Our Services


At®, LLC we're happy to offer directly, or in collaboration with strategic partners in our professional network, settlement consulting solutions that you might need to achieve your objectives in the settlement of lawsuits where some or all of the damages are taxable.


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John Darer® has considerable experience in the non qualified settlement consulting niche, having consulted on the use of stable income taxable damages solutions instrumental in concluding significant employment settlements, sounding in claims  for wrongful termination, emotional distress, where damages are not derivative to a physical injury, age discrimination in employment, religious discrimination, sexual discrimination, and failure to promote. John Darer® has also consulted on the use of non qualified structured settlement solutions on environmental clean up cases, construction defect cases, divorce cases, LTD cases, structured attorney fees, breach of contract cases and other commercial disputes.

In addition, for those with high value/ low basis assets, we offer solutions to defer the taxes,known as "structured installment sales" or  "structured sales".

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Last updated January 7, 2024



Defer the Taxes Settlement Consulting is an important niche practice area of ®, LLC., an A.M. Best Client Recommended Settlement Expert and settlement service provider.

John Darer, 4structures' company President has over 40 years experience in financial services, with 30 years in the structured settelment and settlement planning space. 

John Darer maintains insurance licenses in 45 sttaes and the District of Columbia  (Washington DC) and has earned the professional credentials of Master Structured Settlement Consultant (MSSC), Certified Structured Settlement Consultant (CSSC), Registered Settlement Planner (RSP) and Certified Financial Transitionist (CeFT), one of only two settlement experts with the CeFT credential. John Darer has also earned the professional credentials of Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), Certified in Long Term Care (CLTC) and the latest, Certified Insurance Fiduciary (CIF), the latest, earned June 2023.  Lifelong learning is one of John Darer's core values

View John Darer LinkedIn profile.