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About New York Structured Settlements Expert John Darer®

John Darer® CLU ChFC MSSC CeFT® RSP CLTC

New York Structured Settlement Experts   646-849-1588

New York Structured Settlements  and Structured Judgments

​​​​​​New York structured settlements expert John Darer® CLU ChFC MSSC CeFT® RSP CLTC is a 2024 A.M. Best Recommended Structured Settlement Expert (12th consecutive year) To qualify, no fewer than eight professional references must be submitted , independently contacted, with the responses reviewed and verified by A.M. Best in order to qualify. John Darer® is a Certified Financial Transitionist (one of only 2 settlement experts to hold this credential) and member of the Financial Transitionist Institute, a  division of the Sudden Money® Institute,  with a keen interest in behavioral finance and financial psychology, having over 30 years of experience in financial services to offer his New York clients.  John was born in New York City at Mt. Sinai Hospital, has family roots in New York going back 130 years and graduating from Syracuse University, in Syracuse New York. 


4structures.com®, LLC is committed to providing New York lawyers and their clients with top notch structured settlement expertise, including an expertise with structured judgments under CPLR Articles 50A and 50B. We approach every client with a focus on integrity, reliability, compassion, and understanding. We're there for you when you need us!

4structures.com® LLC has also held an accredited A+ rating from the Better Business Bureau for over 19 years and was a NYSTLA Partner for Justice for more than a decade.


In addition to holding the FINRA 66, John Darer® has earned the following"


Professional Designations and Certifications earned by John Darer


Chartered Life Underwriter  (CLU) from the American College

Chartered Financial Consultant (ChFC) from the American College

Certified Structured Settlement Consultant professional certifications (CSSC)

Master Structured Settlement Consultant  (MSSC), both developed by the NSSTA in conjunction with the  Stayer Executive Education Center at the University of Notre Dame (since 2023 in conjunction with the University of Texas at Austin)

Certified Financial Transitionist (CeFT®) program at the Financial Transitionist Institute, a division of the Sudden Money Institute

Registered Settlement Planner  (RSP), through the Settlement Planning Education Center, Texas Tech University and the Registry of Settlement Planners

Certified in Long Term Care (CLTC) through the Corporation for Long Term Care, Inc. 


John Darer's broad background in structured settlements, mediation and post trial support   (e.g. CPLR 50A and 50B calculations and projections), diversified financial planning and his significant practical experience, combined with Sudden Money training and experience working with people going through life transitions, brings a valuable asset to the table for his clients.

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John Darer® is the producer of Talking Settlement™, an online legal, insurance and financial channel established in June 2016 that aims to engage viewers with high quality educational content about all aspects of settlements and "talking settlement" with insurance and financial experts across a wide spectrum of topics.  From 2009-2016 John Darer® was a subject matter expert commentator on Sequence Media's Legal Broadcast Network and has created and/or appeared in over 140 videos and audio podcasts. Watch some of John Darer's videos . John Darer is a prolific writer and structured settlement industry thought leader, having personally authored over 5,400 blog posts, had six articles published in  the Connecticut Law Tribune and is now in his 19th year as the Structured Settlement Watchdog®, with a writing style that is informative, irreverent and effective.  John also enjoys copywriting and writes and produces many of the 4structures.com LLC commercials.

In addition to being a  New York structured settlement expert, John Darer®  also provides structured settlement expertise, Sudden Money® transition expertise and comprehensive settlement planning services to New York based clients with legal matters, or centers of influence, located outside of New York. He holds insurance licenses in New York and the states of  AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MN, MT, NC, ND, NE, NH, NJ, NM, NV, OR, PA, SC, SD,  TN, TX, RI, VA, VT, WA, WI, WV, and Washington DC.