4structures.com® LLC

NY Structured Settlements Blog

Expert commentary on structured settlements, New York law, IRC §104 tax treatment, settlement planning, and attorney fee structures — by John Darer CLU ChFC MSSC CeFT® RSP CLTC.

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Archive note:When Typepad gave just 30 days' notice of shutdown in fall 2025, John Darer worked 6am–1am every day of the weekend for 5 weeks — 72 hours — to migrate all 5,500+ posts to WordPress in full. Every post preserved. Nothing lost.
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About the Author

John Darer® CLU ChFC MSSC CeFT® RSP CLTC

Founder, 4structures.com® LLC · New York Structured Settlement Consultant

John Darer has over 40 years in financial services and more than 30 years focused on structured settlements and settlement planning in New York. He holds six professional designations including the MSSC — the highest designation in the structured settlement field — and the CeFT®, making him one of only two structured settlement consultants in the country with that credential.

Questions About a Structured Settlement?

John Darer is available for no-obligation consultations with plaintiffs and attorneys throughout New York State.

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