Frequently Asked Questions-FAQ

Anyone familiar with our blogs, the settlement planning industry, suitability standards, and the judicial role in approving minors’ settlements will understand that an investment boasting a tempting 99.05% annualized rate of return over 13 years, coupled with an extraordinary 149.87% standard deviation during the same period*, is highly unlikely to be a suitable choice for substantial allocation for injury victims who cannot tolerate such risk. (*Backtest by Curvo.eu, for standard deviaton in USD)  In statistics, the standard deviation is a measure that is used to quantify the amount of variation of a set of data values and used above as a measure of volatility. 

Read what John Darer wrote about Bitcoin  Bitcoin: Understanding Its High Volatility Risks - Structured Settlements 4Real®Blog 2026   November 4, 2025

Last updated December 7, 2025

John Darer is a  highly qualfied and credentialed expert in structured settlements. In addition to more than 30 years of experience in structured settlements, John Darer has earned the professional designations of:

Master Structured Settlement Consultant (MSSC)

Certified Structured Settlement (CSSC),

Registered Settlement Planner (RSP) 

Chartered Financial Consultant (ChFC) and 

Certified Financial Transitionist (CeFT). 

John Darer has also earned the following professional credentials

Chartered Life Underwriter (CLU)

Certified in Long Term Care (CLTC)

Certified Insurance Fiduciary(CIF)

John Darer is an A.M. Best Client Recommended Structured Settlement Expert Service Provider 2025

These diverse credentials and practical experience and humanistic approach add real value to clients.. Tap John Darer's extensive knowledge by calling 888-325-8640 today.  

John Darer is also a longtime member of the National Structured Settlements Trade Association (NSSTA), a founding member of  the Society of Settlement Planners (SSP), and the Society of Financial Services Professionals (SFSP) and National Association of Insurance and Financial Advisers (NAIFA).  John Darer has authored over 5,600 posts on the subject of structured settlements and settlement planning topics and is recognized as The Structured Settlement Watchdog by his peers

Read more about John Darer's credentials and experience here

Last updated December 7, 2025

Because they are often so poorly written and inaccurate that they serve no useful purpose than to attempt to hurt our business and deceive other consumers. who would benefit from our services.  It's clear that these purported reviews are not written by clients.  I believe from experience, that verified clients would actually call us. If the malicious fake reviews were legitimate the perp would not choose to post them anonymously on an extortionate review site.

One such site, 99Consumer, allowed an imposter using John Darer's trademarked name to register as a user and to post a fake review. When the site was put on notice of the trademark violation 99Consumer tried to extort $100 per month forever a "membership fee", plus a $200 set up fee.. Why would anyone pay extortion to 99Consumer, when 99Consumer stated in writing on December 6, 2022 that it "found that most negative reviews violate our strict guidelines, and that out (sic) inspection led to delete negative reviews 99% of the time".

The people who create the junk know what they publish is legally actionable, so they attempt to cloak themselves in anonymity. In 2012, a similar sequence of posts appeared. Didn't take long to find out who it was. It wasn't a client. It wasn't a competitor. It was someone in the secondary market whose deceptful  business practices I exposed as a structured settlement industry watchdog.  Read more about John Darer's Structured Settlement Watchdog activity  structured settlement news

Last updated July 6, 2023