New York's Structured Settlement Specialists
4structures.com® LLC, led by John Darer® CLU ChFC MSSC CeFT RSP CLTC, provides independent structured settlement consulting to personal injury plaintiffs, their attorneys, and legal professionals throughout New York State. With over 40 years in financial services and more than 30 years focused on structured settlements and settlement planning, John Darer brings unmatched depth of experience to every engagement.
Whether you need a straightforward structured settlement quote or a comprehensive Sudden Money® financial transition plan, we are dedicated to achieving the best outcome for every client — whether young, old, big or small.
Our Services
Structured Settlement Consulting
Expert guidance on structuring personal injury, medical malpractice, wrongful death, and workers compensation settlements using income tax-free annuity payments from highly rated, New York licensed life insurance companies.
Structured Judgment Consulting
Assistance with NY CPLR 50A and 50B periodic payment judgments in medical malpractice and other qualifying cases, including cost projections, financial analysis, and coordination with defense counsel.
Taxable Damage Structuring
For employment discrimination, wrongful termination, harassment, and intellectual property claims, structured settlements offer powerful tax deferral benefits — even when payments are not fully income tax-free.
Attorney Fee Structures & Deferred Compensation
Plaintiff attorneys can defer contingency fees through structured attorney fee arrangements, providing long-term income planning and significant tax advantages under IRC §130 and related provisions.
Sudden Money® Settlement Planning
As one of only two Certified Financial Transitionists (CeFT®) in the structured settlement industry, John Darer brings Sudden Money® protocols to help plaintiffs navigate the emotional and financial transition that follows a major settlement.
Index Based, Market Based & Treasury Funded Options
Beyond traditional fixed annuities, we offer access to Index Linked Structured Settlements and Treasury-Funded Structured Settlements, providing additional flexibility and potential upside for qualifying clients.
Why Choose 4structures.com® LLC?
Our credentials, independence, and commitment to every client — regardless of case size — set us apart from other structured settlement consultants in New York.
- Over 40 years in financial services, 30+ years in structured settlements
- One of the few Master Structured Settlement Consultants (MSSC) in the USA
- Certified Financial Transitionist (CeFT®) — one of only two in the settlement industry
- Perennial A.M. Best Client Recommended Service Provider since 2013
- CLU, ChFC, RSP, CLTC credentials — deep technical and planning expertise
- New York insurance licensed — serving all of New York State: Manhattan, Five Boroughs, Long Island, Upstate NY
- Independent — not captive to any single insurance carrier
- Dedicated to achieving the best outcome for every client, regardless of case size
Ready to Discuss Your Case?
Call us today for a no-obligation consultation. We serve attorneys and plaintiffs throughout New York State.