Financial Planning - Directory for CFP

Structured Settlements, in their simplest form, are payments made to one party by another party that will be made over a period of time.

Generally the payments are based on a large sum of money and provide the security of long-term income rather than the Recipient needing to invest and administer a lump-sum payment.

Financial Structures for the payments are created by purchasing one or more Annuities, which quarantee the future payments, and offer an unlimited number of payment options that are equal or vary over time. Payments can be deferred until needed and can be structured to continue as long as the Recipient desires.

The most publicized Structured Settlements are used with lottery payments and law suit damage cases. Rather than taking a single payment for thousands or millions of dollars, the Recipient takes periodic payments that generally reduce the tax liability.

Benefitplace highly recommends that individuals who may be parties to a Structured Settlement consult with a qualified attorney or an organization that specializes in structuring settlements to meet individual and family needs!

Selling Structured Settlements - Individuals who consider selling a Structure Settlement, whether in part or in whole, generally are in need on a lump-sum of money to meet current needs. There are various institutions that purchase Structured Settlements and a number of Brokers that specialize in negotiating the sale.

It is important to ensure that the Broker represents you, the Sellor, and has no exclusive arrangements with the Buying Institution. Brokers, and their Consultants, will assist in valuing the Settlement and in marketing the package to potential Buyers. Ideally, the Broker will work with an Attorney in the negotiation process and provide the Sellor with financial input relevant to their fiduciary responsibilities. The combined expertise of a Broker and an Attorney can be critical to maximizing the Sellors return before and after taxes.

Who buys Structured Settlements? - Organizations and Individuals that buy Structured Settlements do so for a profit! The amount the Sellor receives is not equal to the total value of the Settlement. The purchase price may be considerably less than the total long-term payout. These Buying Parties are attracted by the guarantee of a safe cash flow and because the transaction is generally not taxable. When determining the amount offered to the Sellor the buyer must take a number of factors into account including the fees to the Broker if one is involved. When the Buyer and Sellor are brought together by experienced Third-Parties, Brokers & Consultants, all parties can meet their financial needs!

Structured Settlements -- Brokers & Consultants

MAIN LINE GUARANTEE LLC - (www.mainlineguaranteellc.com)
Start Your Own Agency-Sell Structured Settlements. Earn 50%
Payout on your production & earn overrides. Receive many of
the advantages of owning your own agency without the overhead.

                              Call - ERROL M. KOFSKY - (dir) 856.396.0900
                                                                          (c) 610-247-1369
                                Email – ekofsky@mainlineguaranteellc.com

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              Vantage PointBank - www.vantagepointbank.com