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# Finn Financial Group

Structured Settlement Firm

## Sitemaps

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## Posts

- [Harvesting the Bull](https://finnfinancialgroup.com/2018/08/harvesting-the-bull/) - August 23, 2018 - As the current stock market is busy toasting itself for the longest bull run in history, at least one chief investment officer is keeping his bubbly on ice while cautioning investors about a market he believes is on a "collision course with disaster." Guggenheim chief investment officer Scott Minerd sounded two
- [Sparring With Bears](https://finnfinancialgroup.com/2018/04/sparring-with-bears/) - April 6, 2018 - With today's close of the Dow Jones Industrial Average ending the day down 572.46 points (2.34%), some market forecasters are speculating that we may, after a prolonged run up of equity values, finally be dipping our toes into bearish waters. Of course, it's always important to take these forecasts with a
- [Roubini has a bad feeling on this one, all right?](https://finnfinancialgroup.com/2020/03/roubini-has-a-bad-feeling-on-this-one-all-right/) - Remember the line in Platoon when Sgt. O'Neill (John C. McGinley) expresses his concerns about a pending military conflict with Staff Sgt. Barnes (Tom Berenger)? "Bob, I got a bad feeling on this one, all right? I mean, I got a bad feeling. I don't think I'm gonna make it outta here! D'ya understand what
- [Coronavirus Auto Injury Data](https://finnfinancialgroup.com/2020/05/coronavirus-auto-injury-data/) - Remember that credit you received on your auto insurance bill last month due to the anticipated lower claims costs since fewer people would be on the road during the coronavirus pandemic shelter-in-place orders? Don't be surprised if that ends rather quickly. According to a recent article in Digital Insurance, a periodical aimed at senior insurance
- [Pension vs. Lump Sum](https://finnfinancialgroup.com/2020/09/pension-vs-lump-sum/) - Two related AARP Bulletin articles may have bearing on your retirement plans. In short, companies are temping retirees with offers to pay their retirement benefits as a single, commuted lump sum instead of honoring their monthly pension obligations. If you or anyone you know works for an organization that even offers a pension anymore, it's
- [The Buffett Indicator](https://finnfinancialgroup.com/2020/11/the-buffett-indicator/) - Please, please, please, PLEASE understand the stock market is not without risk. The stock market has had a phenomenal run over the course of the past decade. Fortunes have been made, lost for a bit, then made again. If you're among those who have benefited from this prolonged bull run, CONGRATULATIONS! You beat the house
- [IRS: Tax Implications of Settlements and Judgments](https://finnfinancialgroup.com/2020/12/irs-tax-implications-of-settlements-and-judgments/) - Special thanks to the National Structured Settlements Trade Association (NSSTA) for calling our attention to a recent brief from the IRS which addresses important distinctions in the tax treatment of various personal injury damages. [Click HERE] to read the brief. Today, we share this summary with our clients who require guidance on matters involving taxation
- [Who's Ready for 2021?](https://finnfinancialgroup.com/2020/12/whos-ready-for-2021/) - As we wind down the year that couldn't have been crazier, today we focus on everything positive and reach out to express our heartfelt thanks to all who helped contribute to our success. This past year, we helped secure the futures of 85 individuals facing assorted financial challenges in 2020. They valued our expertise sufficiently
- [Social Inflation and Its Impact on BI Settlements](https://finnfinancialgroup.com/2021/01/social-inflation-and-its-impact-on-bi-settlements/) - What is social inflation? If you're a stat junkie who happens to work in or around the personal injury litigation arena, have I got a white paper for you! Last June, the Insurance Research Council published Social Inflation: Evidence and Impact on Property-Casualty Insurance. This fascinating 18-pager is very readable. Further, it lays bare the
- [Car Accident Statistics](https://finnfinancialgroup.com/2021/03/car-accident-statistics-2/) - Structured settlements and automobile accidents are inextricably linked. The vast majority of structured settlements we place each year stem from motor vehicle accidents. If you are unfortunate enough to be one of the six million people in the United States involved in an automobile accident each year, there is a less than 1% chance your
- [Structured Installment Sales for Tax Efficiency](https://finnfinancialgroup.com/2021/07/structured-installment-sales-for-tax-efficiency/) - Since my article in Realty Times on structured installment sales last year, housing appreciation has continued unabated and interest by many in "cashing in by cashing out" of their paper wealth has increased. With some talk of interest rates ticking up in the coming year and phase four of the real estate cycle, recession, overdue,
- [Same-Sex J&S Structured Settlement Annuities](https://finnfinancialgroup.com/2013/08/same-sex-js-structured-settlement-annuities/) - August 29, 2013 - On the heels of the Supreme Court's June decision to repeal a key provision of the Defense of Marriage Act (DOMA) which barred recognition of gay marriages, the U.S. Treasury and the Internal Revenue Service announced today that same-sex married couples will be indistinguishable from opposite-sex married couples for Federal tax
- [Bill Gross Finally Agrees With Me](https://finnfinancialgroup.com/2013/10/bill-gross-finally-agrees-with-me/) - October 2, 2013 - For years, I have been working hard to help clients temper their enthusiasm about the prospects of interest rates rising significantly anytime soon. Even though I wish the message were different, it's somewhat gratifying when a world renowned "bond king" finally seems to agree with what I've been saying for some
- [Locking in Your Gains . . . For Life](https://finnfinancialgroup.com/2013/12/locking-in-your-gains-for-life/) - December 5, 2013 - If you're among the lucky ones, you had some retirement money saved up in your 401(k) or IRA in 2008, lost a bunch of it in the ensuing Great Recession years, gutted it out through 2013 and now have recovered most, if not all, of the wealth you originally watched evaporate.
- [Buffett's Bet](https://finnfinancialgroup.com/2014/01/buffetts-bet/) - January 21, 2014 - We're used to reading about Warren Buffett's sensible, folksy investing philosophy that has made him one of the world's all-time most successful - and richest - financiers. But who knew he was such a sports wagering junkie? And we're not talking about the few dollars or bragging rights most of us
- [Lump Sum Cautionary Tale](https://finnfinancialgroup.com/2014/02/lump-sum-cautionary-tale/) - February 7, 2014 - You don't have to look too hard to find stories about people who are worse off because they completely undervalued the concept of planning for the future. People who choose today at the expense of tomorrow. I'm talking about people who opt for a lump sum of cash instead of the
- [Quantifying Life](https://finnfinancialgroup.com/2014/06/quantifying-life/) - June 4, 2014 - When I began my insurance career more than thirty years ago, I started out as a Homeowners Claims Examiner. Then, as today, the job involved investigating a policyholder's claim for damages and, once coverage was verified, paying the claim subject to any limitations, policy provisions and company procedures. If hail damaged
- [Annuities: The Volatility Antidote](https://finnfinancialgroup.com/2014/07/annuities-the-volatility-antidote/) - July 14, 2014 - 2013 was a dream year for most people invested in the stock market. And with the bulls still running so far in 2014, people are left wondering just how long King Midas' reign over Wall Street will last. But every realist understands the bears will return someday once volatility rears its
- [Retirement: How Ready Are You?](https://finnfinancialgroup.com/2015/01/retirement-how-ready-are-you/) - January 9, 2015 - "Apples, peaches, pumpkin pie...." Remember that? If you once lived in a house without satellite, cable or, heck, even color television, you likely recognize this familiar jingle as part of something you shouted, before opening your eyes, when you were "it" during a neighborhood game of hide-and-go-seek you played as a
- [Oops! . . . It Did It Again](https://finnfinancialgroup.com/2015/02/oops-it-did-it-again/) - CAUTION: Blog post contains musical references which some readers may find bubble gummingly offensive February 2, 2015 - If the stock market were a song and January were Britney Spears, right about now it would be singing a paraphrased version of the former teeny bopping icon's hit, "Oops! . . . I Did It Again."
- [Financial Health Assessment](https://finnfinancialgroup.com/2015/02/financial-health-assessment/) - February 13, 2015 - In less than the time it takes you to read this blog, you can give yourself a quick financial health check-up to learn where you stand financially. While I can't attest to the accuracy of the Financial Health Calculator I stumbled across on CNNMoney's website today, I found it personally very
- [Great News for Annuities](https://finnfinancialgroup.com/2015/04/great-news-for-annuities/) - April 15, 2015 - Yesterday was a great day for annuities! According to a report in InvestmentNews, Ken Fisher is leaving the building. You may have never heard of Ken Fisher but you'd be hard pressed to miss him if you've ever spent any time on Google trying to figure out what to do with
- [Structured Settlements for Airline Disaster Survivors](https://finnfinancialgroup.com/2013/07/structured-settlements-for-airline-disaster-survivors/) - July 9, 2013 - The first fatal airline crash in the United States in nearly four years naturally stirs interest and speculation. What happened and why? What happens to the families of those killed? What happens to those on board who lived? And as with any accident, the conversation always turns to who's at fault
- [Expect Retirement Rain](https://finnfinancialgroup.com/2013/05/expect-retirement-rain/) - May 15, 2013 - Expect the unexpected. Sage advice generally but a recent Ameriprise Financial Retirement Derailers Survey finds these words of wisdom to be especially true for those with retirement goals in mind. This comes on the heels of another study we referenced in yesterday's blog, "Peace and the New Retirement Realities," so we're
- [Annuities:  6 Questions](https://finnfinancialgroup.com/2013/03/annuities-6-questions/) - March 7, 2013 - All it takes is 2:20 to learn what questions you should ask before purchasing an annuity. And that even includes the three seconds it takes to click on the video we posted here for you, produced by the Insurance Information Institute: "Buying an Annuity: 6 Questions to Ask" While there, spend some
- [College Costs Rising II](https://finnfinancialgroup.com/2011/10/college-costs-rising-ii/) - October 28, 2011 - Just a brief postscript to yesterday's blog about college tuition increases. To accent the tuition increases we discussed yesterday, CNNMoney today features the article "More colleges charging $50,000 or more a year." When settling a personal injury claim, it's important to consider all future needs. For those contemplating helping out with college for their
- [College Affordability Improves](https://finnfinancialgroup.com/2012/03/college-affordability-improves/) - "I believe that we parents must encourage our children to become educated, so they can get into a good college we cannot afford." - Dave Barry - In a classic example of supply-and-demand and in response to the realities of an economy that has left many people lacking the wherewithal to meet the post-secondary educational needs of
- [Consumer Reports:  Artificial hips never tested](https://finnfinancialgroup.com/2012/03/consumer-reports-artificial-hips-never-tested/) - Recalled DePuy ASR hips among devices untested March 29, 2012 - In its upcoming May edition, Consumer Reports presents the results of its investigation which calls into question the current process of medical device regulation that their advocacy wing, Consumers Union, believes fails to "protect patients from harm." Entitled "CR Investigates: Dangerous medical devices," CR
- [The Secret to Living Well at 100](https://finnfinancialgroup.com/2012/05/the-secret-to-living-well-at-100/) - Be Healthy and Have Money Many Financial Planners Now Recommend You Plan to Live Until Age 100 or Beyond OK, so it's not really a "secret" that being healthy and having money are essentials to a comfortable retirement. Pretty obvious actually. But how prepared are you for the possibility that you just might be a
- [A New at Ease](https://finnfinancialgroup.com/2012/06/a-new-at-ease/) - Annuities Sometimes it's just fun to find new ways to talk about annuities. (Get it? A-new-at-ease?) A few days ago, MONEY senior editor Walter Updegrave dispensed some helpful advice to a 55-year old woman worried about protecting her nest egg now that she's ten years away from retirement in his column "55 and scared: 'How
- [Pension Choices](https://finnfinancialgroup.com/2012/08/pension-choices/) - Lifetime Income or Lump Sum? There's no such thing as a one-size-fits-all when it comes to making decisions about your retirement options. But choosing lifetime income instead of a lump sum for your pension distribution makes tremendous sense for a variety of reasons. The simple truth is . . . "Nothing provides you with a
- [Structured Settlements:  Bonding Your Future](https://finnfinancialgroup.com/2012/09/bond-your-future/) - Adjusting Your Expectations in a Post-Economic Meltdown World If you were fortunate enough to have invested in stocks over the past 30 or so years; and, If you were fortunate enough to have stayed with it through the past four years when the financial world went crazy; and, If you still have a good portion
- [The Good Old Days](https://finnfinancialgroup.com/2012/10/the-good-old-days/) - When my great-great-grandfather, Patrick Finn, arrived in Winsted, Connecticut as a young lad from County Cork, Ireland in the mid-1850s, he couldn't have had any kind of future planned for himself yet. How could he? He was only four years old. But by the time he was a teenager, young Patrick successfully landed a good
- [Many Cars Flunk Safety Test](https://finnfinancialgroup.com/2012/12/many-cars-flunk-safety-test/) - December 20, 2012 - While car safety has generally improved in recent years, a new, more specific, crash test designed and administered by the Insurance Institute for Highway Safety (IIHS), revealed that eight of eleven luxury and near luxury cars weren't up to the challenge. They flunked the test. This new test, which replicates certain
- [2013 So Far . . .](https://finnfinancialgroup.com/2013/02/2013-so-far/) - February 17, 2013 - Before the year gets away from us as years are wont to do, I thought we'd pause for a moment to reflect upon the number of people whose lives have been positively impacted in these first few weeks of 2013 as a result of our firm's involvement in many changes in
- [College Tuition Rising](https://finnfinancialgroup.com/2011/10/college-tuition-rising/) - Structuring Settlements for Future Success October 27, 2011 - The cost of earning a college degree just got pricier. In some states, a whole lot pricier. In its article "5 biggest state tuition hikes," CNNMoney reports an "alarming" increase in college tuition increases. The hikes they discuss are not of the walking variety by the way. California,
- [Structured Settlement Talk:  Retiring Attorneys, "Now What?"](https://finnfinancialgroup.com/2011/02/retiring-attorneys-now-what/) - You've spent a career laser focused on advocating for your clients. You've tried cases. You've negotiated settlements. But now you're thinking it may be time to "hang up the laces," hand the reigns over to someone else and head for the barn. Mixed metaphors aside, are you ready for this transition? Risk is inherent in the life of any
- [2014 Poised To Be "The Year of The Annuity"](https://finnfinancialgroup.com/2013/12/2014-poised-to-be-the-year-of-the-annuity/) - December 23, 2013 - It's always nice to read something that gives you reason for optimism as you prepare to change calendars and head into a new year. An article in today's InvestmentNews caught our eye because it predicts 2014 could "be a big one" for a certain financial option near and dear to our
- [What's Your Retirement Vulnerability?](https://finnfinancialgroup.com/2011/01/whats-your-retirement-vulnerability/) - Ernst & Young Analysis: "Longevity Risk" Increasing Finn Financial Group's October, 2009 newsletter, Live Longer - Buy Annuities, featured research from a smattering of sources emphasizing the value and importance of annuities to one's overall financial health. As part of our commitment to helping clients achieve lifetime financial stability, we wanted to pass along some
- [Structured Settlement Talk:  Bonds, Not James Bonds](https://finnfinancialgroup.com/2010/08/bonds-not-james-bonds/) - Bonds and Structured Settlements: No More Tears For those who remain unconvinced that Structured Settlements are still "a good deal" in today's economy, it's worth noting how other financial professionals view bonds and bond-based instruments such as Structured Settlements. First, a brief comment on how structured settlement companies arrive at their rates. And I do mean
- [Structured Settlement Talk:  Woe is Muni](https://finnfinancialgroup.com/2010/06/woe-is-muni/) - Munis May Be Losing Some Luster Long touted as the ultimate secure choice for investors seeking tax-free income, some municipal bonds may be creeping up the risk ladder according to an article which appeared online yesterday at money.cnn.com. In his article, "Is there a muni bomb in your portfolio?," staff writer David Ellis reports that
- [Structured Settlement Talk:  Live Longer - Buy Annuities](https://finnfinancialgroup.com/2009/10/310/) - No Tricks Today! All Treats! Treat One: According to data collected, compiled and analyzed by the authors of the recently published SuperFreakonomics, there are three ways a person can extend their life span: Win a Nobel Prize. Get inducted into the Baseball Hall of Fame. Buy Annuities! Since prospects of Ponce de Leon-ing our way
- [I Prefer The Revenant Bear](https://finnfinancialgroup.com/2016/01/i-prefer-the-revenant-bear/) - January 14, 2016 - If you haven't yet seen The Revenant, I won't spoil the movie for you by telling you all about it. But surely you've seen the commercials advertising the film which earned Golden Globe Awards for Best Motion Picture, Drama and Best Actor in a Motion Picture, Drama for its star Leonardo
- [Indexed Annuity Surge Continues](https://finnfinancialgroup.com/2016/02/indexed-annuity-surge-continues/) - February 29, 2016 - According to a recent InvestmentNews article citing a LIMRA Secure Retirement Institute report, 2015 saw a 13% increase in indexed annuity purchases over the prior year to a record $54.5 billion. To put this figure into perspective, Starbucks' Fiscal 2015 Annual Report indicates $54.5 billion is just $3 billion MORE than
- [Fast Annuity Stats](https://finnfinancialgroup.com/2016/06/fast-annuity-stats/) - June 13, 2016 - Some quick statistics we singled out from among the Key Findings of the 2013 Survey of Owners of Individual Annuity Contracts, conducted jointly by The Gallup Organization and Matthew Greenwald & Associates for The Committee of Annuity Insurers: When Do People First Buy Annuities? 47% purchased between age 50-64 38% purchased
- [Outliving Your Retirement](https://finnfinancialgroup.com/2016/08/outliving-your-retirement/) - August 23, 2016 - They call it "The Longevity Paradox" - People recognize they're living longer but don't seem to be taking the necessary steps to ensure long life financial security. A few staggering facts from yesterday's InvestmentNews article of the same name: There are 44% more American centenarians today (77,197) than there were a
- [A Cure for the CD Blues](https://finnfinancialgroup.com/2018/05/a-cure-for-the-cd-blues/) - May 2, 2018 - Stored lovingly in the back of a closet in my house rests a box filled with vinyl record albums of (mostly) rock 'n' roll artists whose music I listened to growing up. From The Allman Brothers Band to The Zombies, these Long Player, or LP, discs, once turntable-revolving staples of my
- [Dewayne Johnson v. Monsanto Company Tax Surprise](https://finnfinancialgroup.com/2018/08/dewayne-johnson-v-monsanto-company-tax-surprise/) - August 13, 2018 - The "Tax Cuts and Jobs Act" presumably did not factor into a San Francisco jury's decision last week to award Dewayne Johnson $289.2 million in his lawsuit against Monsanto Company, et al. His case is potentially affected by it nonetheless. In addition to $39.2 million in compensatory damages awarded to the
- [Structured Settlements: Minors](https://finnfinancialgroup.com/2019/05/structured-settlements-minors/) - First in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered Today's Installment: Minors May 1, 2019 - I once had a plaintiff attorney tell me he hated structured settlements "except for minors." "It's the only way I can get a judge to grant my petitions," he
- [Car Accident Statistics](https://finnfinancialgroup.com/2019/05/car-accident-statistics/) - May 2, 2019 - Although Distracted Driving Awareness Month officially ended Tuesday, we feel no shame in reminding our clients that attentiveness behind the wheel and vigilance in carrying out driving responsibilities should never take a vacation. Thus, our belated post on the topic. If we had our way, however, the U.S. Department of Transportation
- [Structured Settlements: Fatalities](https://finnfinancialgroup.com/2019/05/structured-settlements-fatalities/) - Second in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered Today's Installment: Fatalities May 7, 2019 - "Death is a crisis that all families encounter, and it is recognized as the most stressful life event families face . . ." The preceding quote was excerpted from
- [Structured Settlements: Catastrophic Injuries](https://finnfinancialgroup.com/2019/05/structured-settlements-catastrophic-injuries/) - Third in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered Today's Installment: Catastrophic Injuries May 10, 2019 - While structured settlements are useful in resolving a wide variety of liability disputes, those involving catastrophic injuries are especially well-suited to this method of claims resolution. When an
- [Structured Settlements: Post-Verdict Negotiations](https://finnfinancialgroup.com/2019/05/structured-settlements-post-verdict-negotiations/) - Fourth in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered. Today’s Installment: Post-Verdict Negotiations May 15, 2019 - When personal injury lawsuits are adjudicated, it's a safe bet that one side or the other will be displeased with the end result. Usually it's just a matter
- [Structured Settlements: Policy Limits](https://finnfinancialgroup.com/2019/05/structured-settlements-policy-limits/) - Fifth in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered. Today’s Installment: Policy Limits May 17, 2019 - People and businesses buy liability insurance to protect against personal or corporate financial loss when lawsuits are brought against them. Resolving lawsuits can be problematic enough under the
- [Structured Settlements: Taxable Damages](https://finnfinancialgroup.com/2019/05/structured-settlements-taxable-damages/) - Sixth in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered.
- [Structured Settlements: Special Damages](https://finnfinancialgroup.com/2019/07/structured-settlements-special-damages/) - Seventh in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered. Today's Installment: Special Damages July 17, 2019 - Like wine & cheese, Rodgers & Hammerstein, peanut butter & jelly, and countless other famous pairings, certain combinations are greater than the sum of their parts. Special damages
- [Structured Settlements: Medicare Secondary Payer Act](https://finnfinancialgroup.com/2019/08/structured-settlements-medicare-secondary-payer-act/) - Eighth in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered. Today's Installment: Medicare Secondary Payer Act August 13, 2019 - If there's one area of claims resolution where structured settlements attain near universal acceptance, it's when they are used in conjunction with settling a claim impacted
- [Structured Settlements: Fire Losses](https://finnfinancialgroup.com/2019/08/structured-settlements-fire-losses/) - Ninth in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered. Today's Installment: Fire Losses August 27, 2019 - The vast majority of claims and lawsuits requiring structured settlements involve some form of personal, physical injury. Structured settlements can come in handy when resolving a wide variety
- [Structured Settlement Market Strength](https://finnfinancialgroup.com/2019/09/structured-settlement-market-strength/) - September 11, 2019 - As volatile markets continue to spook some investors while inspiring others, we take pleasure in being able to constantly reassure our clients they make wise decisions and are in good company when they choose structured settlements and retirement income annuities. Safe. Steady. Secure. Strong. That's what we're all about. In addition,
- [June is National Annuity Awareness Month](https://finnfinancialgroup.com/2022/06/june-is-national-annuity-awareness-month/) - Lost amid all the National "Fill in the Blank" Month celebrations recognized in June (my personal favorite just might be National Accordion Awareness Month), perhaps none hits closer to the pocketbook than the one created by the National Association for Fixed Annuities (NAFA): National Annuity Awareness Month. While all the stock market indexes continue their
- [The Taylor Swift - Structured Settlement Connection](https://finnfinancialgroup.com/2015/05/the-taylor-swift-structured-settlement-connection/) - May 29, 2015 - Hopefully the hook worked and you're reading this post to find out what possible connection could exist between superstar recording sensation Taylor Swift and Structured Settlements. Truth be told, there are probably about 535 connections and you can find them all in Washington, DC every so often. It turns out, in
- [Best Retirement Income Choice](https://finnfinancialgroup.com/2015/06/best-retirement-income-choice/) - June 18, 2015 - So you've saved a bunch of money during your working life and are finally getting serious about making some decisions about how to make sure this gob of money lasts for as long as you do. Maybe you're lucky and worked for an employer that still offered a pension. Social Security
- [EBRI Conclusion: Annuities = Good](https://finnfinancialgroup.com/2015/09/ebri-conclusion-annuities-good/) - September 10, 2015 - Despite ongoing efforts by many in the financial planning community-at-large to downplay the importance of annuities in helping people address their retirement financing challenges, unbiased research keeps surfacing, leading astute retirees and retirees-to-be to the exact opposite conclusion: Retirement annuities can be very, very good for you! Today, I'm pleased to
- [When You're Sixty-Four](https://finnfinancialgroup.com/2015/09/when-youre-sixty-four/) - September 14, 2015 - Even some of the staunchest Beatles fans are surprised to learn that one catchy tune from the Sgt. Pepper's Lonely Hearts Club Band album about reaching a certain age was one of the first songs Paul McCartney ever wrote, by some accounts as early as age 16 when the band was
- [2015 Interest Rates Survey](https://finnfinancialgroup.com/2015/09/2015-interest-rates-survey/) - September 28, 2015 - If you've been sitting around waiting for interest rates to rise in a meaningful way sometime soon, a recent report from the Executive Office of the President of the United States might give you an unhappy pause. Not that a reading of "Long-Term Interest Rates: A Survey," published July, 2015, predicts
- [Fixed-Indexed Annuity Popularity Grows](https://finnfinancialgroup.com/2015/12/fixed-indexed-annuity-popularity-grows/) - December 8, 2015 - In both the Retirement and Structured Settlements sections of The Finn Blog, we strive to keep our clients updated on current research and statistics relevant to their retirement and post-injury settlement decision making. Because we believe people like to make their own decisions about their own lives based on facts, not
- [Structured Settlements Industry Friend is a Civil Rights Icon](https://finnfinancialgroup.com/2013/08/structured-settlements-industry-friend-is-a-civil-rights-icon/) - August 28, 2013 - As we celebrate today's 50th anniversary of the March on Washington for Jobs and Freedom, I'm honored to be able to say I have a friend in Congress who has a very personal connection to this historic event. Congressman John Lewis (D-GA 5th District), Chairman of the Student Nonviolent Coordinating Committee
- [DePuy Hip Recall & Tea Leaves](https://finnfinancialgroup.com/2013/11/depuy-hip-recall-tea-leaves/) - November 7, 2013 - When you follow large, complex class action or mass tort products liability litigation matters, as we have been doing for several years with the DePuy ASR artificial hip lawsuits, it's hard to predict with any degree of accuracy when things are finally going to end. But there are signs that things
- [DePuy Hip Lawsuit Settlement](https://finnfinancialgroup.com/2013/11/depuy-hip-lawsuit-settlement/) - November 13, 2013 - Rumors began circulating this afternoon that Johnson & Johnson has agreed to a $4.0 billion products liability settlement to end the litigation of more than 7,500 pending lawsuits in state and federal courts, alleging metal-on-metal artificial hips, manufactured be subsidiary DePuy Orthopaedics, were defective. If this turns out to be true
- [Structured Settlements vs. Stocks](https://finnfinancialgroup.com/2013/11/structured-settlements-vs-stocks/) - November 20, 2013 - It's too bad Las Vegas isn't taking bets on this hypothetical match-up: Structured settlements vs. stocks. I'm not much of a gambler myself but if I were and they were, I'd put a whole lot of money on structured settlements coming out on top. And if yesterday's CNNMoney article, "Welcome to
- [2014 Financial Resolutions Study](https://finnfinancialgroup.com/2013/12/2014-financial-resolutions-study/) - December 31, 2013 - According to the recently published Fidelity 2014 New Year Financial Resolutions Study, 54% of you are making financial resolutions for the coming year. While we can't help you save more, spend less or pay down debt - the top three financial resolutions cited in the study - there are two specific
- [Where's the fourth bucket?](https://finnfinancialgroup.com/2014/01/wheres-the-fourth-bucket/) - January 7, 2014 - Some seemingly sensible retirement planning ideas just don't hold water when scrutinized. Take Jane Bryant Quinn's article, "Don't Be Too Cautious," appearing in this month's AARP Bulletin for instance. While the underlying premise of her article - allocating one's retirement funds into a series of "buckets" designed to maximize retirement cash
- [Promising Research for Spinal Cord Injuries](https://finnfinancialgroup.com/2014/04/promising-research-for-spinal-cord-injuries/) - April 8, 201 4 - According to the National Spinal Cord Injury Statistical Center, approximately 12,000 new cases of spinal cord injury (SCI) are reported each year with motor vehicle crashes accounting for a plurality of those reported since 2010 (36.5%). In what is being heralded today as a major scientific breakthrough, paralyzed patients may
- [Treasury Green Lights New Retirement Safety Net Option](https://finnfinancialgroup.com/2014/07/treasury-green-lights-new-retirement-safety-net-option/) - July 1, 2014 - Your retirement safety net options just got a whole lot better. Effective today, 401(k) plan participants now can choose to dedicate a portion of their retirement funds toward the purchase of "longevity insurance," otherwise known as a deferred income annuity, in an effort to shore up their retirement security. Here's a
- [Both Sides, Now . . . and Later](https://finnfinancialgroup.com/2014/08/both-sides-now-and-later/) - I've looked at life from both sides now from win and lose and still somehow it's life's illusions I recall. I really don't know life at all. August 29, 2014 - Almost fifty years ago, a blossoming 24-year old singer songwriter just a few years removed from her Saskatchewan homeland, wrote a song which would
- [Kim's Story](https://finnfinancialgroup.com/2014/10/kims-story/) - Reprinted from our October 22, 2014 Newsletter Structured Settlements Changing Lives Several months ago, I shared Robin's Story with you. Today, I'm pleased to pass along the second in a series of first person testimonials on the benefits of structured settlements, produced by Prudential Structured Settlements. This is Kim's Story: Click [HERE] for link to
- [Why Retirees Don't Buy Annuities](https://finnfinancialgroup.com/2015/02/why-retirees-dont-buy-annuities/) - February 15, 2015 Are you among the 76 million people born between 1946 and 1964? Worked most of your adult life? Have some money sitting in a 401(k) or similar retirement account? Want to make sure it lasts the rest of your life? If you answered yes to any of these questions and are retired
- [Happy Birthday, George](https://finnfinancialgroup.com/2015/02/happy-birthday-george/) - February 16, 2015 - If you're off work today here in the United States, it may surprise you to know that it's not because Presidents Day is a federal holiday since no such holiday exists. 5 USC § 6103(a) does, however, make Washington's Birthday, celebrated the third Monday of each year, a federal holiday. As
- [Economists Say YES to Annuities](https://finnfinancialgroup.com/2015/03/economists-say-yes-to-annuities/) - March 2, 2015 -With Superbowl XLIX recently concluded, if you played for the New England Patriots, CONGRATULATIONS! Earning a Superbowl ring puts you in very elite company. With the 87th Academy Awards now behind us, if you were among the select few to take home an Oscar, CONGRATULATIONS! You own a rare piece of hardware.
- [Life Insurance Industry Forecast: Smooth Sailing Ahead](https://finnfinancialgroup.com/2015/03/life-insurance-industry-forecast-smooth-sailing-ahead/) - March 16, 2015 - Demonstrating that good news often travels in threes, I'm pleased to unfurl the attached triad of recent links which point to "smooth sailing" for the life insurance industry in 2015: A.M. Best: U.S. Life/Annuity Health Rating Outlook Remains Stable Fitch: Stable Outlook for Life Insurers in 2015 Moody's outlook for
- [Survey Says . . .](https://finnfinancialgroup.com/2015/05/survey-says/) - From our May 28, 2015 Newsletter With the structured settlements industry recently concluding its best first quarter since the Great Recession officially ended six years ago, 2015 is shaping up to be a banner year for successful utilization of this proven settlement option and claims resolution tool that helps so many. Wonder what's driving this
- [Structured Settlement Myths](https://finnfinancialgroup.com/2011/11/structured-settlement-myths/) - Read Our Latest E-Guide In an effort to help clients make more informed decisions about structured settlements in these tumultuous economic times, we created this mini e-guide to help them make wiser choices about their futures. There's plenty of reading inside so we'll keep it short here. [Click Here] To learn why structured settlements remain
- [Public Policy Discussion on Longevity Risk](https://finnfinancialgroup.com/2013/08/public-policy-discussion-on-longevity-risk/) - August 12, 2013 - If you were hosting a party and wanted to make sure your guests left your house with great memories of fun times and plenty of belly laughs, the American Academy of Actuaries likely wouldn't top your list of potential entertainers. Real or imagined, this group has the reputation of being nothing
- [Popularity of Deferred Annuities Increasing](https://finnfinancialgroup.com/2013/09/popularity-of-deferred-annuities-increasing/) - September 4, 2013 - Sales of deferred-income annuities, the exchange of a lump sum today for a future guaranteed fixed cash flow at some point in the future, have increased 151% in the first six months of 2013 versus the same period a year earlier. The total deferred premium sales ($930 million) is still less
- [Substitute For Security](https://finnfinancialgroup.com/2013/10/substitute-for-security/) - "Substitute me for him - Substitute my coke for gin - Substitute you for my mum - At least I'll get my washing done" - Pete Townshend - October 4, 2013 - Ever try to find a good substitute for security? Betcha can't. At least not on synonym.com you can't. I tried but all I
- [Structured Settlements and College](https://finnfinancialgroup.com/2013/07/structured-settlements-and-college/) - July 13, 2013 - One of the more common applications of a structured settlement occurs when an injured party allocates all or some of their settlement proceeds to coincide with anticipated college expenses to help themselves or their children or grandchildren pursue higher education. Courts across America strongly support the use of structured settlement "College
- [Verdict:  J&J was Negligent](https://finnfinancialgroup.com/2013/03/verdict-jj-was-negligent/) - March 8, 2013 - Jury deliberations have ended in the trial of Kransky v DePuy, the first lawsuit to go to trial in the United States for defective design of the recalled ASR metal-on-metal artificial hip manufactured by DePuy Orthopaedics, a division of Johnson & Johnson. The verdict? Guilty of negligence. The award: Mixed. While
- [Say Hello to Collaborative Courts Foundation of Orange County's Newest Board Member](https://finnfinancialgroup.com/2013/03/say-hello-to-collaborative-courts-foundation-of-orange-countys-newest-board-member/) - Dan Finn joins CCFOC Board of Directors March 29, 2013 - The Collaborative Courts Foundation of Orange County (CCFOC) recently invited me to join its distinguished Board of Directors. I was only too honored to enthusiastically accept the opportunity to become part of an organization that positively impacts the lives of so many people while
- [Young and Not-So-Foolish After All](https://finnfinancialgroup.com/2013/04/young-and-not-so-foolish-after-all-2/) - April 22, 2013 - With all apologies to Dean Martin, Tony Bennett and anyone else who ever crooned the old Hague/Horwit standard, it turns out "young" folks aren't so foolish after all. At least not when it comes to making financial decisions if you believe two recent articles published in InvestmentNews. The first article, "Throw
- [Thank You, Senator Baucus!](https://finnfinancialgroup.com/2013/04/thank-you-senator-baucus/) - April 23, 2013 - Today's announcement that Sen. Max Baucus (D-MT) will NOT be seeking a seventh term is indeed a "mixed emotions" news item for the structured settlements community. While we all wish our industry's long time friend the absolute best life has to offer as he retires to the magnificent Big Sky country
- [Taxable Damage Structured Settlements](https://finnfinancialgroup.com/2013/05/3290/) - From our May 6, 2013 Newsletter: Be sure to read my latest article "Taxable Damage Structured Settlements: Solving the unintentional verdict and settlement unfairness problem caused by Prop 30 and ATRA" appearing in the May, 2013 issue of Advocate: Click [HERE] to read the article online For those outside the area who may be unfamiliar
- [FINRA, SEC Investor Alert](https://finnfinancialgroup.com/2013/05/finra-sec-investor-alert/) - May 9, 2013 - You've seen the silly commercials. Your intuition told you there was something wrong, possibly immoral, about a company advertising on TV to buy future income payments from someone in a wheelchair at a very steep discount only to turn around and sell those benefits to others at a hefty profit. You
- [Mass pension and "structured settlement" probe](https://finnfinancialgroup.com/2013/05/mass-pension-and-structured-settlement-probe/) - May 13, 2013 - No sooner does FINRA and the SEC come out with warnings to, for and on behalf of people who might be considering buying and/or selling structured settlements and pensions (see our May 9 blog post) than we read about one state, Massachusetts, looking into practices of nine firms that buy these
- [Peace and the New Retirement Realities](https://finnfinancialgroup.com/2013/05/peace-and-the-new-retirement-realities/) - May 14, 2013 - Art Buchwald once said, "The best things in life aren't things." Baby boomers heading into retirement have taken the late Pulitzer Prize winning columnist's philosophy to heart according to a new retirement study entitled "Americans' Perspectives on New Retirement Realities and the Longevity Bonus." A recognition that the rules of the
- [Structured Settlement Video from Prudential](https://finnfinancialgroup.com/2013/06/structured-settlement-video-from-prudential/) - June 5, 2013 - In a tremendous display of support for structured settlements, Prudential Insurance Company of America recently produced a powerful video featuring two senior executives from the company describing the many benefits of structured settlements. The video captures Prudential Retirement's Christine Marcks, President and Phil Waldeck, Head of Pensions and Structured Solutions, sharing
- [Lifetime Income Disclosure Act](https://finnfinancialgroup.com/2013/06/lifetime-income-disclosure-act/) - June 21, 2013 - While still a very long way from ever becoming law, the Lifetime Income Disclosure Act (H. R. 2171) was introduced in the United States Congress last month seeking to amend the Employee Retirement Income Security Act of 1974 (ERISA) to include disclosures on lifetime income. The bill was referred to the
- [The Structured Settlement Expert's Value Revisited](https://finnfinancialgroup.com/2013/07/the-structured-settlement-experts-value-revisited/) - July 3, 2013 - The June, 2013 issue of For The Defense features an excellent article on the role of the Structured Settlement Consultant in a negotiation setting. Co-authored by Past President of the American Bar Association William T. "Bill" Robinson, III and attorney/mediator Bruce B. McIntosh, considered one of the "Best Lawyers in America,"
- [Structured Settlement Markets:  "Long Strong"](https://finnfinancialgroup.com/2013/07/structured-settlement-markets-long-strong/) - July 8, 2013 - Strong. Safe. Secure. The other three little words everybody loves to hear. Especially when it comes to money. Everybody needs reassured that their money will be there when it's promised. According to the U.S Census Bureau, there are fewer than half the number of life insurance companies in the United States
- [Retirement Annuities](https://finnfinancialgroup.com/2013/02/retirement-annuities/) - Annuities: Best Choice for Security, Satisfaction and Serenity February 26, 2013 - We have been advising clients for years about the benefits of lifetime annuities for retirement. We've extolled their virtues and provided empirical evidence about the correlation between retirement and satisfaction in several previous newsletters and blogs about retirement annuities. Here's a sampling: A
- [The "Original" Structured Settlements](https://finnfinancialgroup.com/2011/11/the-original-structured-settlements/) - (NOTE: Some blogs simply cannot be improved upon. Here's one we couldn't have said better ourselves. The following is reprinted in its entirety with permission from The National Structured Settlements Trade Association) Some structured settlements may offer significant advantages Kudos to CBS News financial writers Larry Swedroe and Tiya Lim for today’s CBS News’ post on structured settlements.
- [DePuy Hip Replacement Poisoning](https://finnfinancialgroup.com/2011/08/depuy-hip-replacement-poisoning/) - In yet another example of the adverse consequences stemming from some implanted DePuy metal-on-metal artificial hip devices, a number of San Diegans claim their hip surgeries poisoned them. ABC affiliate Channel 10 in San Diego recently featured a report which focused on 62 year-old hip replacement patient Tony Stauffer who describes his painful ordeal. The link includes an embedded
- [Retirement Risk Research:  The New Three R's](https://finnfinancialgroup.com/2011/07/retirement-risk-research-the-new-three-rs/) - Center for Retirement Research at Boston College Among the growing body of academic research focusing on retirement vulnerability, a Special Project of the Center for Retirement Research at Boston College provides additional insights into one of the challenges facing all of us who worry about living comfortably during retirement. Running out of money. This project,
- [Life/Health Industry is . . . Healthy!](https://finnfinancialgroup.com/2011/07/lifehealth-industry-is-healthy/) - Life/Health Industry Admitted Assets Increased 7.1% in 2010 Admitted assets for the top 200 writers of life/health insurance increased approximately $404 billion during 2010 according the most recent edition of Best's Review. Structured Settlement Markets Shine Eight of the twelve life markets active in the structured settlement industry saw their admitted assets increase an average of 10%,
- [Take Your Financial Vitamins](https://finnfinancialgroup.com/2011/07/take-your-financial-vitamins/) - The Annuity Puzzle Why does human nature permit an individual to choose Option A over Option B even when overwhelming evidence assures even the most casual observer that Option B is the superior choice? Ever chosen unwisely when dating? Marrying? Buying a car, a house or a stock? Ever fail to follow a doctor's advice? Ever skip taking vitamins
- [These Irish Eyes Aren't Smiling](https://finnfinancialgroup.com/2011/07/these-irish-eyes-arent-smiling/) - Recalled DePuy Hip Problem Growing in Ireland Two recent articles further illustrate the far-reaching nature of the DePuy Hip Recall. The Irish Independent recently featured an article which claims 113 Irish patients have already endured two hip surgeries due to the faulty hips while as many as 3,500 might be next in line to suffer. Further north,
- [A Paycheck For Life](https://finnfinancialgroup.com/2011/07/a-paycheck-for-life/) - GAO Report Emphasizes Annuities as a Smart Choice for Retirement Security Last month, the United States Government Accountability Office (GAO), in its Report to the Chairman, Special Committee on Aging, U. S. Senate, made an extremely strong case for annuities in retirement planning. Entitled Retirement Income: Ensuring Income throughout Retirement Requires Difficult Choices, this report was prepared
- [New Zealanders' DePuy ASR Compensation Limited](https://finnfinancialgroup.com/2011/07/new-zealanders-depuy-asr-compensation-limited/) - July 2, 2011 - While the legal system in the United States and many other countries permit patients to sue for damages caused by alleged defective medical devices, those in New Zealand are limited due to that country's "no fault" system. Today's New Zealand Herald carries a story about the dilemma this presents for patients who received the
- [DePuy Recall Impacting FDA Review Procedure](https://finnfinancialgroup.com/2011/06/depuy-recall-impacting-fda-review-procedure/) - June 25, 2011 - In the Health section of today's edition of the New York Times, columnist Barry Meier points out that Americans' "impulse to covet the new and improved" may be at the root of the DePuy Hip Recall. ("In Medicine, New Isn't Always Improved") While stopping far short of blaming the patients themselves for
- [ABA President-Elect Shares Structured Settlement Insights](https://finnfinancialgroup.com/2011/06/aba-president-elect-shares-structured-settlement-insights/) - A Career of Endorsing Structured Settlements "For the almost 40 years I've been practicing, structured settlements have played an integral role in the positive outcome of many cases I have settled." - William T. "Bill" Robinson III, Esq. - Last month, members of the National Structured Settlements Trade Association were treated to a keynote address
- [Johnson & Johnson:  Longing For The Band-Aid Days](https://finnfinancialgroup.com/2011/04/johnson-johnson-longing-for-the-band-aid-days/) - The once trusted and highly respected Johnson & Johnson name has taken some major image hits in the last 15 months according to a recent article. During this time, the $60 Billion company has voluntarily recalled over 50 products. In its cover story, Johnson & Johnson's Quality Catastrophe, Bloomberg/ Businessweek highlights a number of the products
- [Kiddie Tax Risk on Personal Injury Settlements](https://finnfinancialgroup.com/2011/03/kiddie-tax-risk-on-personal-injury-settlements/) - Among the many positive reasons parents, courts and plaintiff attorneys choose structured settlements when settling a minor's injury claim, one of the most overlooked is the fact that it can shield the minor's recovery from the dreaded Kiddie Tax. Faster than a child can grow from cradle to car keys, the Kiddie Tax can sneak up
- [Structured Settlement Talk:  DePuy Hip Failure Rate Worse Than Originally Cited](https://finnfinancialgroup.com/2011/03/depuy-hip-failure-rate-worse-than-originally-cited/) - As reported today on Bloomberg.com, the British Orthopaedic Association and the British Hip Society issued a statement that the failure rate of the DePuy ASR XL Acetabular System is more than twice what was originally represented when the device was recalled in 2010. According to the article, nearly half of all patients who received the recalled device require
- [Structured Settlement Talk:  History of DePuy ASR Hip Recall](https://finnfinancialgroup.com/2011/01/history-of-depuy-asr-hip-recall/) - Much is being written about the worldwide recall of ASR hip implants manufactured by DePuy Companies, a division of Johnson & Johnson. According to attorneys at Walkup, Melodia, Kelly & Schoenberger, who filed the first DePuy ASR products liability lawsuit in the country, the manufacturers knew of the defect long before it recalled the device in August of
- [Income Floor Strategy for Retirement](https://finnfinancialgroup.com/2010/12/income-floor-strategy-for-retirement/) - "Make Your Money Last a Lifetime." That's the title of a December 1, 2010 article by personal finance expert Jane Bryant Quinn in her most recent AARP Bulletin column "Financially Speaking." On a personal and professional level, I'm always drawn to articles about retirement planning in hopes of gleaning some new nugget of wisdom I
- [Structured Settlement Talk:  Annuities Are The New Black](https://finnfinancialgroup.com/2010/10/annuities-are-the-new-black/) - Safety of Principal + Modest Return = The New Normal Fresh on the heels of last week's newsletter which featured the insights of Laura Tarbox, one of the nation's most respected and honored Certified Financial Planners and principal of the wealth management firm The Tarbox Group in Newport Beach (CA), I thought it helpful to
- [Top Financial Advisor’s Views on Structured Settlements](https://finnfinancialgroup.com/2010/09/top-financial-advisors-views-on-structured-settlements/) - A Conversation with: Laura Tarbox, CFP Top American Financial Planner Discusses Her Views on Structured Settlements and Fixed Annuities For more than 30 years, Laura Tarbox has distinguished herself as the kind of financial planner many other financial planners aspire to be like. Regularly ranked among the "Best Financial Advisors" in the country by Worth
- [National Structured Settlement Advocacy Group Elects Dan Finn President](https://finnfinancialgroup.com/2010/07/national-advocacy-group-elects-dan-finn-president/) - Press Release: National Structured Settlements Trade Association Elects Dan Finn Its Next President I am proud and humbled to be writing to you today to announce that I recently was elected to serve as the incoming president of America's premier advocacy group dedicated to protecting and preserving the tax benefits associated with structured settlements for
- [NFL Players, Dementia and the CA Workers’ Comp System](https://finnfinancialgroup.com/2010/04/nfl-players-dementia-and-the-ca-workers-comp-system/) - Ex-NFL Players Find Safe Haven in the California Workers' Compensation System: Is Dementia an Occupational Hazard? An interesting article, published April 5, 2010 by The New York Times highlights the plight of former NFL lineman Ralph Wenzel who, at age 67, now lives in an assisted living facility due to dementia allegedly caused or aggravated
- [The Truth Behind Structured Settlement Buyouts](https://finnfinancialgroup.com/2010/04/the-truth-behind-structured-settlement-buyouts/) - "I Want My Money and I Want It Now!" (Or, Can I Pay You To Take My Money From Me?) You've seen the commercials. A distraught person is shown screaming out the window at the top of their lungs in frustration because some evil, unnamed annuity company has separated them from their money like some
- [Pro-Bowl QB Facing Financial Ruin](https://finnfinancialgroup.com/2012/03/pro-bowl-qb-facing-financial-ruin/) - Mark Brunell's Career Earnings of $50 Million . . . Gone! March 9, 2012 - With the NFL Scouting Combine recently concluded and Draft Day fast approaching, many college football players, no doubt giddy with anticipation, will soon be eagerly awaiting that life-changing phone call from an NFL team which will hopefully set them on
- [Retirement Decumulation](https://finnfinancialgroup.com/2013/09/retirement-decumulation/) - September 25, 2013 - From the time a person enters the workforce until one's last day on the job, nearly all the emphasis on retirement planning centers around what a person should do to amass as much money as possible. For essentially one's entire work life, the goal is the same: Save as much money
- [The Next Big Short](https://finnfinancialgroup.com/2016/01/the-next-big-short/) - January 11, 2016 - I watched the Screen Actors Guild and Golden Globe Awards nominated film The Big Short over the weekend. The movie made me feel anxious all over again. Prior to the Great Recession, investors were accustomed to seeing their account values rise and fall with some degree of regularity when exposed to
- [AirCraft Casualty Emotional Support Services](https://finnfinancialgroup.com/2009/09/aircraft-casualty-emotional-support-services/) - The Finn Financial Group Proudly Supports: AirCraft Casualty Emotional Support Services 1996 was shaping up to be an amazing year for Heidi Snow! The Honors graduate of the University of Wisconsin had recently begun a promising career as a trading assistant on Wall Street. She was living the dream in the always dynamic City That
- [21st Century Security Scoreboard: 130-0](https://finnfinancialgroup.com/2009/08/21st-century-security-scoreboard-130-0/) - Safety. Security. Solvency. These "other three little words" that mean so much have taken on renewed importance this past year for anyone making decisions about their financial futures. "Winning" suddenly seems a whole lot less important than simply "Not Losing." At least as far as account balances are concerned. And since we no longer can
- [NYT:  DePuy Hip Risk Assessment Inadequate](https://finnfinancialgroup.com/2013/01/nyt-depuy-hip-risk-assessment-inadequate/) - ASRHipSettlement.com News January 31, 2013 - As the nation's first trial alleging defective design among other causes of action against DePuy Orthopaedics regarding the recalled Articular Surface Replacement (ASR) artificial hip implant device moves forward in Los Angeles, some headlines are painting a bleak picture for the Johnson & Johnson subsidiary. Today's New York Times
- [Is Football Worth The Risk?](https://finnfinancialgroup.com/2013/01/is-football-worth-the-risk/) - January 27, 2013 - With the Superbowl only a week away, the future of the sport is coming into question because of the seriousness of the injuries some players have suffered. Just this past week, the family of former San Diego Chargers star linebacker Tiaina Baul "Junior" Seau, Jr. filed a multi-count lawsuit against the
- [The Eye of the Be Bolder](https://finnfinancialgroup.com/2013/01/the-eye-of-the-be-bolder/) - January 22, 2013 - Taking the time to share an article from a colleague of mine who truly understands the under-appreciated and fragile interconnection between risk, loss, security, pride and how structured settlements fit into the picture. Don McNay is a best selling author from Kentucky I've had the pleasure of knowing my entire career.
- [Structuring WC Claims](https://finnfinancialgroup.com/2013/01/structuring-wc-claims/) - January 16, 2013 - Passing along today's blog from the National Structured Settlements Trade Association (NSSTA), entitled "The Key to Workers' Compensation," which highlights the benefits of structuring workers' compensation claims. The blog provides an excellent summary of an article which appeared in last month's Claims Management on the benefits of structuring these types of
- [Is Oil Boom for California Nigh?](https://finnfinancialgroup.com/2013/01/is-oil-boom-for-california-nigh/) - January 16, 2013 - Yesterday's CNN/Money column "California Shale Boom Possible" was a timely article for us to remind our clients about a money-saving option available to those who lease their land for oil and gas exploration. In August of 2011 we announced the availability of a new application of the structured settlement concept designed
- [DePuy Maryland Case Off, On to California](https://finnfinancialgroup.com/2013/01/depuy-maryland-case-off-on-to-california/) - January 10, 2012 - The lawsuit against artificial hip manufacturer DePuy Orthopaedics (Moira Jackson v. DePuy Orthopaedics) scheduled for trial in Prince George's County, Maryland this past week ended when the plaintiff dropped her lawsuit just after jury selection was concluded according to Bloomberg. According to some web reports which have yet to be confirmed,
- [When A Tax Attacks](https://finnfinancialgroup.com/2013/01/when-a-tax-attacks/) - Tax Deal Could Bring Unwelcome Surprises January 7, 2013 - While those earning less than $400,000 ($450,000 for married couples) may be breathing a collective sigh of relief because Congress made their tax brackets "permanent" on New Year's Day, a little digging reveals that maybe they shouldn't sigh too deeply. Not just yet anyway. According
- [Money Talks](https://finnfinancialgroup.com/2012/10/money-talks/) - And it usually says, "Spend me, spend me, spend me!" This is one of the underlying fears of extremely wealthy people who fret about leaving too much money to their heirs. People unaccustomed to handling large sums of money often end up in a dark place and/or are easy targets for others seeking to separate
- [A Happier Retirement](https://finnfinancialgroup.com/2012/09/a-happier-retirement/) - Managing the Risks - A Delicate Balance Achieving a happy, comfortable retirement is largely dependent upon how successful one is at managing the many retirement risks we all face leading up to, and during, retirement. Depending on whose literature you read there are anywhere from six to ten or more risks people should consider when
- [First DePuy ASR Hip Lawsuits Settling](https://finnfinancialgroup.com/2012/08/first-depuy-asr-hip-lawsuits-settling/) - Bloomberg: Nevada Claims Settling for About $200,000 Apiece August 21, 2012 - Early this morning, reports surfaced citing unnamed sources about Johnson & Johnson's agreement to resolve three DePuy artificial hip lawsuits. If confirmed, these will be the first known DePuy settlements to occur. This news comes less than a week shy of the two-year
- [5-Year CD vs. Structured Settlement](https://finnfinancialgroup.com/2012/08/5-year-cd-vs-structured-settlement/) - Tax Advantage Still Favors Structured Settlement (Maybe) August 16, 2012 - Two days ago, with a headline that couldn't have been more blunt, Bloomberg News reported that the 5-Year CD fell below 1% for the first time ever. While you'd be hard-pressed to find anyone championing this sobering report, it's important to keep this news
- [DePuy Exhibited "Bad Behavior"](https://finnfinancialgroup.com/2012/05/depuy-exhibited-bad-behavior/) - This, according to Motley Fool contributor Sarah E. Wright in her column today entitled "4 Stocks Proving That Regulation Matters." Ms. Wright goes on to describe the 501(k) process which enables medical device manufacturers like DePuy to win approval for new products by simply claiming they are not materially different from existing approved devices. As
- [Finns with Faulty Hip Implants](https://finnfinancialgroup.com/2012/04/finns-with-faulty-hip-implants/) - April 10, 2012 - Sometimes, you just need to let the headline do the talking. Case in point from today's International Edition of Scandinavia's largest subscription-based newspaper, Helsingin Sanomat: "Thousands of Finns may have faulty hip implants" To view a short video about one particular "Finn" who underwent bilateral hip replacement surgery and understands, go
- [FDA Warned DePuy of ASR Hip Problems](https://finnfinancialgroup.com/2012/02/fda-warned-depuy-of-asr-hip-problems/) - A Full Year Before World Wide Recall The New York Times reports that an executive for DePuy Orthopaedics, a subsidiary of Johnson & Johnson, sent an email to top executives of the company about the U. S. Food and Drug Administration's unwillingness to approve one of the metal-on-metal artificial hips it manufactured because "a significant
- [Google's Most Expensive Adword](https://finnfinancialgroup.com/2012/02/googles-most-expensive-adword/) - "Structured Settlements" That's right! The phrase "structured settlements" is the most expensive Google Adword in the solar system according to Harvard behavioral economist Sendhil Mullainathan. On January 31, 2012, National Public Radio's Marketplace segment featured a revealing conversation with Professor Mullainathan entitled "How Google searches are leading economic indicators." What is a structured settlement? In
- [NYT:  DePuy Recall Leads to $3 Billion Charge for Parent Company](https://finnfinancialgroup.com/2012/01/nyt-depuy-recall-leads-to-3-billion-charge-for-parent-company/) - January 25, 2012 - Johnson & Johnson, parent company of DePuy Orthopedics, maker of the since recalled metal-on-metal ASR artificial hip systems, recently took quarterly charges of more than $3.0 Billion according to the New York Times. As a structured settlement company with a personal interest in the litigation that has developed in light of
- [Why You Should Consider a "Personal Pension"](https://finnfinancialgroup.com/2012/01/why-you-should-consider-a-personal-pension/) - Because Your Longevity Risk is Increasing, That's Why! With apologies to our younger readers, remember the 1977 Dannon commercial that linked the high centenarian population of then-Soviet Georgia to eating yogurt? What a difference a generation makes! When Congress passed the Social Security Act in 1935, average life expectancy at birth was only 62.81 years.
- [NYT:  Senate Introduces Legislation on Implant Monitoring](https://finnfinancialgroup.com/2011/12/nyt-senate-introduces-legislation-on-implant-monitoring/) - In a Congress that is often criticized for its inability to find common ground, today's New York Times features an article which illustrates that bipartisanship is alive and well when it comes to medical implant device safety. Titled "Bill Would Require More Monitoring of Implants," the article describes efforts by key Senators to address what
- [Thurman, Joe, and Me](https://finnfinancialgroup.com/2011/11/thurman-joe-and-me/) - Canton (OH) Lehman High School Distinguished Alumni It's not often one finds himself mentioned in the same conversation with luminaries like one of the greatest New York Yankees of all time and one of rock 'n' roll's most accomplished drummers ever. But that's exactly the situation I find myself in having recently been honored as Canton (OH)
- [CEB Employment Blog Post](https://finnfinancialgroup.com/2013/02/ceb-employment-blog-post/) - February 11, 2013 - An excellent blog written by Julie Brook for the Continuing Education of the Bar (CEBblog) last August is being revisited here today for one very good reason. The American Taxpayer Relief Act of 2012 (ATRA). The straightforwardly titled "Is the Money You Got in Your Employment Case Taxable?" blog very succinctly
- [Interest Rate Perspective](https://finnfinancialgroup.com/2013/10/interest-rate-perspective/) - October 10, 2013 - With all this talk about quantitative easing, shutdowns, debt ceilings and similar esoterica, it's easy to lose perspective about interest rates. True, interest rates might seem low by historical standards but it really depends on your frame of reference. That's why we created this one-page flyer for you: Historical Long-Term Interest
- [The Interest Rate Dance](https://finnfinancialgroup.com/2017/08/the-interest-rate-dance/) - August 31, 2017 - Ever since the global financial near-apocalypse of 2009 caused everybody everywhere to rethink everything we thought we knew about money, saving, the market, investing, et cetera, I've noticed a pattern here in America. If you've been paying attention, you probably noticed it, too. Once a year or more, we hear "they"
- [Structured Attorney Fees](https://finnfinancialgroup.com/2013/05/structured-attorney-fees/) - May 24, 2013 - Message I received earlier this week from a long-time plaintiff attorney client after I assisted him and several of his co-counsel with placing some structured attorney fees: "Thank you, Dan, for being so great to work with the last 20 years." Talk about a nice way to end your day! Receiving
- [Our Half Time Check List](https://finnfinancialgroup.com/2013/06/our-half-time-check-list/) - June 27, 2013 - As we head toward half-time of the 2013 structured settlement and annuity season, we pause to reflect on our firm's successes for the first half of the year. What a great year it's been and, as Paul McCartney once sang, "getting better all the time." Clients choose us because they know
- [A.M. Best Insurance Law Podcast on Structured Settlements](https://finnfinancialgroup.com/2013/07/a-m-best-insurance-law-podcast-on-structured-settlements/) - Mobile users: Click Here July 26, 2013 - A.M. Best interviewed me last week as a featured expert for their Insurance Legal Podcast Series, a series that "examines timely and important legal issues affecting the insurance industry from an attorney's point of view." Even though I'm not an attorney, my firm interacts with and provides
- ["Annuities Are Hot"](https://finnfinancialgroup.com/2022/06/annuities-are-hot/) - That's the word on the street according to the author of "Rising Interest Rates Means Annuities Are Hot." The article goes on to promote the current environment as an excellent time to consider dedicating a portion of one's retirement portfolio toward annuities, especially if near retirement. Not discussed in the article but still relevant is
- [Just Posted: Structured Installment Sales Case Study on Our YouTube Channel](https://finnfinancialgroup.com/2023/08/just-posted-structured-installment-sales-case-study-on-our-youtube-channel/) - For those seeking to defer, reduce, or in some rare instances, completely eliminate capital gains taxes on the sale of a business, real estate, or other qualifying appreciated asset, perhaps no method of tax deferral holds more promise than a Structured Installment Sale (SIS). They're easy to implement, straightforward, and, when implemented properly, fully compliant
- [Structured Settlements: Structured Installment Sales](https://finnfinancialgroup.com/2020/02/structured-settlements-structured-installment-sales/) - Eleventh in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered. Today's Installment (npi): Structured Installment Sales February 5, 2020 - For this segment in our series of educational offerings, we're going off-topic slightly because we wish to present a structured settlement offshoot product designed to help
- [Life Company Videos](https://finnfinancialgroup.com/2019/04/life-company-videos/) - April 2, 2019 - To help spread the good word about structured settlements, several of our life company partners have recently unveiled some professional videos designed to help clients better understand this dynamic claims resolution tool. In no particular order, here are links to some of these videos designed to enlighten you: About Structured Settlements
- [World's Largest Insurers](https://finnfinancialgroup.com/2020/02/worlds-largest-insurers/) - February 3, 2020 - Of the Top 25 largest insurers in the world in terms of (2108) non-banking assets, five of them are domiciled in the United States. ("Best's Review," February 2020, p. 27) Those who resolve their personal injury claims and lawsuits with structured settlements can take comfort in knowing that all five of
- [Recognizing a Noble Profession](https://finnfinancialgroup.com/2020/01/recognizing-a-noble-profession/) - This Week We're Celebrating: Claims Professionals Appreciation Week January 27, 2020 - January 31, 2020 What's that you say? Didn't know such a holiday existed? Don't feel too bad. According to Google (and every other source I could think to consult), it doesn't. That's why I invented it in 2013. Full Disclosure: I'm from a
- [Structured Settlements: Contractual Agreements](https://finnfinancialgroup.com/2020/01/structured-settlements-contractual-agreements/) - Tenth in a series of blog posts dedicated to helping clients decide when a structured settlement should be considered. Today's Installment: Contractual Agreements January 16, 2020 - As the applications of the structured settlement concept continue to evolve, potential clients and practitioners should be aware of the less traditional, but equally valuable, opportunities to satisfy
- [The Sultan of Annuities](https://finnfinancialgroup.com/2018/09/the-sultan-of-annuities/) - September 17, 2018 - The Los Angeles Angels have been officially eliminated from the 2018 postseason. Drat! The year started with such promise, too. Not only do we have a perennial MVP candidate in Mike Trout, but this year brought some new excitement when the Angels signed Japanese phenom Shohei Ohtani, a young player who
- [Yanny or Laurel Justice](https://finnfinancialgroup.com/2018/05/yanny-or-laurel-justice/) - May 18, 2018 - Have you caught wind of this Yanny/Laurel thing yet? There are few things that can cause you to question your own sanity more than being positively convinced of something that others are equally convinced is untrue. I listen to this clip and hear Yanny. Absolutely, 100%, no doubt about it. But
- [Dear Congress: This is Wrong!](https://finnfinancialgroup.com/2018/08/dear-congress-this-is-wrong/) - August 6, 2018 - When the Tax Cuts and Jobs Act, as it's known, went into effect earlier this year, many hailed the legislation for simplifying things and saving the average taxpayer money. Others protested the legislation disproportionately benefits the ultra-wealthy who didn't need and weren't asking to have their taxes reduced. Whichever side of
- [Football Annuities](https://finnfinancialgroup.com/2018/08/football-annuities/) - August 25, 2018 - With college football upon us and the NFL's 2018 season right around the corner, this is the perfect time to discuss fixed indexed annuities. Hunh? OK, so maybe I'm stretching a bit but as this year's first kick-off approaches, it occurs to me there's a perfect parallel between something that happens
- [Fixed Indexed Annuities On Fire](https://finnfinancialgroup.com/2018/09/fixed-indexed-annuities-on-fire/) - September 24, 2018 - If you still believe that guy on the radio castigating you to hate annuities, it might be worth seeing what the top industry research association's statistics reveal about 2018 YTD fixed indexed annuities (FIAs). Hint: They're HOT! Through the first half of 2018, $32.1 billion worth of fixed indexed annuity purchases
- [Financial Strength of Structured Settlement Markets](https://finnfinancialgroup.com/2018/11/financial-strength-of-structured-settlement-markets/) - November 1, 2018 - The 2018 edition of "Understanding the Insurance Industry," a supplement to the November issue of Best Review, identifies the Top 10 U.S. Life/Health Companies ranked by 2017 Capital and Surplus, along with other rankings. Best Review is a publication of the A.M. Best Company, "the only global credit rating agency with
- [Ignore Medicare in Liability Settlements at Your Own Peril](https://finnfinancialgroup.com/2019/04/ignore-medicare-in-liability-settlements-at-your-own-peril/) - April 5, 2019 - Since its passage in 1980, the Medicare Secondary Payer Act has been largely ignored by the personal injury litigation community. But like the person who continues to drive under the influence of alcohol rationalizing they've never been caught, it's unwise to continue depending on luck to avoid adverse consequences of failure
- [The Illogic of Annuity Trashers](https://finnfinancialgroup.com/2019/04/the-illogic-of-annuity-trashers/) - April 29, 2019 - Articles, commercials and opinions of those who trash annuities shouldn't bother me as much they do. But seeing the general public constantly bombarded with misleading information on the issue, I can't help wondering how many people are swayed by them to their detriment. And feeling angry about the disingenuous and self-serving
- [New Structured Settlement Video](https://finnfinancialgroup.com/2018/04/new-structured-settlement-video/) - April 11, 2018 - Courtesy of our friends at Pacific Life, we're happy share with you today a new educational video designed to help plaintiffs answer a few very basic questions they're likely to ask themselves when in the process of resolving their personal injury claim: https://www.youtube.com/embed/Cu0w6k78oP0 At two minutes nineteen seconds, the video is
- [Christmas Magic](https://finnfinancialgroup.com/2017/12/christmas-magic/) - December 15, 2017 - Sometimes Christmas magic arrives unexpectedly. Take this Christmas card I just received from a client our firm helped nearly two years ago: "Dan, Not sure if you remember us or not. However, just wanted to say THANK YOU for everything. Since our last meeting, we have purchased a house in (redacted),
- [Sexual Misconduct Lawsuit Considerations](https://finnfinancialgroup.com/2017/11/sexual-misconduct-lawsuit-considerations/) - November 18, 2017 - Having helped countless individuals who prevailed with claims of sexual misconduct against their perpetrators deal with the financial aftermath of their civil settlements and judgments, I wish I could say I am surprised by all these recent allegations. I am not. I've met the plaintiffs who prevailed against their transgressor priests,
- [Future Income Balancing Act](https://finnfinancialgroup.com/2017/08/future-income-balancing-act/) - August 21, 2017 - A lot of people pretend to know a lot about retirement income planning. But few are truly as knowledgeable on the subject as Dr. Wade Pfau, Professor of Retirement Income at The American College and retirement researcher extraordinaire. Not only does he analyze retirement alternatives with the precision of a Swiss
- [Warren Buffett Talks Structured Settlements](https://finnfinancialgroup.com/2017/05/8796/) - Berkshire Hathaway's 2017 Annual Meeting Excerpt Warren Buffett Knows (and Likes) Structured Settlements May 22, 2017 - Earlier this month, attendees of Berkshire Hathaway, Inc.'s Annual Meeting witnessed Chairman and principal shareholder Warren Buffett respond to a question about the company's structured settlement holdings. You can watch the four minute excerpt of this exchange
- [Managed or Mangled Money](https://finnfinancialgroup.com/2017/04/managed-or-mangled-money/) - April 20, 2017 - If you've had money in an actively managed large cap fund in the United States for the past five years, there's an 88.40% chance your manager underperformed and you would have been better off in a simple, low expense S&P 500 indexed fund instead. Would you board an airplane that only
- [California DOI Press Release on Annuities](https://finnfinancialgroup.com/2017/04/california-doi-press-release-on-annuities/) - April 18, 2017 - Earlier this month during National Retirement Planning Week, the California Department of Insurance issued a Press Release urging Californians to "plan for retirement and carefully consider annuities." This statement serves as a timely reminder that annuities offer many benefits that simply cannot be matched by traditional retirement investing approaches and often go
- [Just Published: "A Good Fit"](https://finnfinancialgroup.com/2017/02/just-published-a-good-fit/) - February 16, 2017 - Proud to announce the recent publication of "A Good Fit," an article I co-authored for Workers' Compensation (WC), a quarterly periodical of CLM Publishing. Subtitled "Structured settlements and MSA arrangements are complementary claims resolution tools," the article highlights the laws surrounding the Medicare Secondary Payer Act and gives examples of how
- [With Friends Like These . . .](https://finnfinancialgroup.com/2017/01/with-friends-like-these/) - January 23, 2017 - As a post-settlement income planning specialist for more than 25 years, I have countless examples of situations where clients anticipating large sums of money improved their lives greatly by choosing to allocate some of their settlement proceeds toward a structured settlement arrangement. If properly implemented, structured settlements pay future income that
- [The S&P 500 by Presidents](https://finnfinancialgroup.com/2017/01/the-sp-500-by-presidents/) - January 20, 2017 - On Inauguration Day, here's a little financial food for thought as you contemplate your own financial future and the decisions you'll be making over the next few years. Twelve of the last fourteen presidents served at least one full term in office (Kennedy and Ford did not). As measured purely by
- [Major Milestone Surpassed](https://finnfinancialgroup.com/2016/07/major-milestone-surpassed/) - July 29, 2016 - In March of 2009, in the depths of the Great Recession, I launched the Finn Financial Group with a pledge to help clients achieve maximum financial success and security through the effective use of structured settlements and related specialty products and services. Pretty dumb of me, right? I mean, who starts
- [Just Published: Nonphysical Injury Structured Settlements Article](https://finnfinancialgroup.com/2016/07/just-published-nonphysical-injury-structured-settlements-article/) - July 18, 2016 - This brief post exists simply to call your attention to my most recently published article: "Understanding Nonphysical Injury Structured Settlements" I developed the article for Claims Management, a publication of the Claims & Litigation Management Alliance, for the benefit of my fellow CLM Fellows. (That was NOT a typo. I am
- [Brexit, Stage Left](https://finnfinancialgroup.com/2016/06/brexit-stage-left/) - June 28, 2016- Financial markets like predictability. So when voters in the United Kingdom decided to pull a Snagglepuss by telling the European Union they were going it alone, the financial markets reacted accordingly. They went barking mad, as it were. With the pound sinking to its lowest level against the dollar in more than
- [Dream On, Don](https://finnfinancialgroup.com/2016/06/dream-on-don/) - June 3, 2016 - It's been less than a week since I read about the abrupt death of one of the structured settlement industry's greatest champions Don McNay and I'm still struggling to come to grips with this tragic news. Sing with me Don and I only ever met in person at industry functions a
- [Structured Settlements or U.S. Treasuries for Better Yields?](https://finnfinancialgroup.com/2016/05/structured-settlements-or-u-s-treasuries-for-better-yields/) - May 27, 2016 - Yesterday the United States Treasury sold $28 billion worth of 7-year notes. Probably safe to assume the collective wisdom of those doing the buying don't believe rates are going to improve anytime soon. Otherwise, they'd sit on the sidelines and wait for a better bargain, wouldn't they? The 7-year Treasury yields
- [Retirement Surprise](https://finnfinancialgroup.com/2016/04/retirement-surprise/) - April 20, 2016 - "Lynn" called me recently for help with a few structured settlement annuities I helped place on her behalf about five years ago. Our firm occasionally fields calls from former clients who are moving, changing beneficiaries or banks and simply need help submitting the correct documents to make sure their money arrives
- [Structured Settlement Markets Ranked Among World's Largest Insurers](https://finnfinancialgroup.com/2016/02/structured-settlement-markets-ranked-among-worlds-largest-insurers/) - February 18, 2016 - It's always nice when the structured settlement companies active in the structured settlement marketplace make the news for their superior financial size and strength. Such was the case when half of the structured settlement companies we currently represent ended up on Best Review's recently published 2014 rankings of the world's largest insurers
- ["You Saved My Life"](https://finnfinancialgroup.com/2016/01/you-saved-my-life/) - January 13, 2016 - As a structured settlement expert for nearly twenty-five years, I've always been grateful I chose a career path that allows me to help people. Not everyone has that honor or special responsibility. It's a privilege assisting those who need your help. People whose lives have been turned upside down because of
- [Ziggy's Wall Street Oddity](https://finnfinancialgroup.com/2016/01/ziggys-wall-street-oddity/) - January 12, 2016 - With tributes to the late rock icon David Bowie continuing to pour in across the globe, the debate about which David Bowie song was the greatest will likely rage on for a few weeks at least. Whether you liked his music or didn't, one irrefutable truth follows his legend: David Bowie
- [Our Year In Review: 2015](https://finnfinancialgroup.com/2015/12/our-year-in-review-2015/) - December 31, 2015 - As 2015 draws to a close, we thought we'd take a moment to give you an inside look at what kind of year it's been here at Finn Financial Group. Finn Financial Group: 2014 Versus 2015 2014 was a very good year. But 2015 was a SENSATIONAL year! By every possible
- [Thinking of Thanking](https://finnfinancialgroup.com/2015/12/thinking-of-thanking/) - December 17, 2015 - As children, our sense of holiday cheer is often limited due to a preoccupation with how we can personally and materially benefit from the season of goodwill. Case in point: I never once sat on Santa's lap to talk about what my brothers wanted for Christmas. But sometimes children witness such
- [Structured Settlements for Employment Disputes](https://finnfinancialgroup.com/2015/11/7634/) - New Brochure Added Liberty Life Assurance Company of Boston's Structured Settlements for Employment Disputes November 4, 2015 - An article published in the National Law Review a little more than a year ago couldn't be more straightforward: "Employment Related Lawsuits Are on the Rise. Are You Covered?" While we strongly encourage all businesses with employees
- [Market-Linked Structured Settlement News](https://finnfinancialgroup.com/2015/10/7589/) - From Our Newsletter: New Brochure Added Pacific Life's Index-Linked Annuity Payment Adjustment Rider Blending Traditional and Market-Linked Structured Settlements for the Best of Both Worlds October 20, 2015 - We'll keep this newsletter short since we hope you'll spend most of your time reading the latest brochure we just received from one of our structured
- [Structured Settlement Usage Improves in 2015](https://finnfinancialgroup.com/2015/09/structured-settlement-usage-improves-in-2015/) - September 3, 2015 - Of the nine categories of fixed annuities tracked by LIMRA Secure Retirement Institute, only one has shown a positive trend over 2014: Structured Settlements. An estimated 46.2 billion dollars' worth of fixed annuity contracts were issued through the half-way point of 2015 and the data reveal that structured settlements are up
- [Mastering Structured Settlements](https://finnfinancialgroup.com/2015/08/mastering-structured-settlements/) - August 18, 2015 - In furtherance of our ongoing commitment to do our absolute best to help clients navigate the complex and often daunting personal injury pre-and-post-settlement resolution process, I'm proud to announce today that I am officially among the first in the country who can formally lay claim to the title: Master's Certified Structured
- [Structuring for Life (Insurance)](https://finnfinancialgroup.com/2015/07/structuring-for-life-insurance/) - July 29, 2015 - Investors call it leverage. Taking (or borrowing) money from one source in an effort to multiply gains or address other financial objectives. Outside of the stock market, leverage need not be motivated by desire for profit, however. Sometimes it's just about balance. Take the following hypothetical example based on a true
- [MetLife Ad in Trial Magazine](https://finnfinancialgroup.com/2015/07/metlife-ad-in-trial-magazine/) - July 8, 2015 - Just wanted to take a moment to pass along the attached advertisement appearing in this month's issue of Trial which we have been authorized to share with our clients. MetLife is one of the excellent life markets we are proud to represent and we are appreciative of their efforts to
- [Special Needs Trust Fairness Act of 2015](https://finnfinancialgroup.com/2015/06/special-needs-trust-fairness-act-of-2015/) - June 25, 2015 - Please join us in urging Congress to pass Senate Bill 349, the "Special Needs Trust Fairness Act of 2015." The bill, introduced by Sen. Chuck Grassley (R-IA) earlier this year, is supported by the National Structured Settlements Trade Association (NSSTA), the Special Needs Alliance, the National Academy of Elder Law Attorneys,
- [Celebrating Our 263rd Anniversary](https://finnfinancialgroup.com/2015/03/celebrating-our-263rd-anniversary/) - April 1, 2015 - Although most of our clients have come to think of the Finn Financial Group as the people who help them meet their 21st century future financial security needs, it is with great pride that we pause today to pay tribute to our firm's original founding father who, on this day in
- [2014 Reflections, 2015 Intentions](https://finnfinancialgroup.com/2014/12/2014-reflections-2015-intentions/) - December 24, 2014 - A year ago, we prognosticated that 2014 would be "the year of the annuity" based on financial articles we were reading at the time. Boy, was it ever! Thanks to the faith and confidence our loyal clientele continue to place in us, 2014 was Finn Financial Group's BEST YEAR EVER in
- [Master Class Highlights](https://finnfinancialgroup.com/2014/10/master-class-highlights/) - October 21, 2014 - Last week, I had the great honor of participating in the inaugural class of the structured settlement industry's newest designation and will soon be able to call myself a . . . Master Structured Settlement Consultant (MSSC) Offered through the National Structured Settlements Trade Association (NSSTA) working in tandem with the
- [IRS on S&P 500 Linked Structured Settlement:  It Works!](https://finnfinancialgroup.com/2014/09/irs-on-sp-500-linked-structured-settlement-it-works/) - September 13, 2014 - Every Friday morning, when the Internal Revenue Service releases its written determinations to the public as required by law, not much fanfare is usually made of the event. (Insert chirping crickets soundtrack here) But with the release of Private Letter Ruling 201435006 on August 29, 2014, everyone involved in the resolution
- [A True Independence Day](https://finnfinancialgroup.com/2014/09/a-true-independence-day/) - September 12, 2014 - A couple of months ago, while many of us were celebrating Independence Day grilling hot dogs and watching fireworks, retired U.S. Army sergeant Theresa Hannigan was celebrating a very different kind of independence. She was "walking" for the first time in three years. Confined to a wheelchair since 2011, Sgt. Hannigan
- [Structured Settlement Talk:  ABA Journal's Film Feature Misses One](https://finnfinancialgroup.com/2014/08/structured-settlement-talk-aba-journals-film-feature-misses-one/) - August 4, 2014 - This month's ABA Journal has a very engaging cover story about lawyers in movies guaranteed to evoke a few good motion picture memories. Who among us hasn't borrowed Joe Pesci's "two Utes" line at least once? But as much fun as "12 movies with pivotal lessons featuring lawyers" was to read,
- [Structured Settlement Security](https://finnfinancialgroup.com/2014/07/structured-settlement-security/) - July 12, 2014 - In a world where security means everything and often seems in short supply, it's reassuring to know the life companies currently offering structured settlements have all retained their "secure" ratings even throughout the dog days of The Great Recession. And every single one of them is still going strong! When one's
- [$2.5 Billion DePuy ASR Hip Settlement Accepted](https://finnfinancialgroup.com/2014/05/2-5-billion-depuy-asr-hip-settlement-accepted/) - May 16, 2014 - The law firm responsible for filing the very first law suit in the nation against DePuy Orthopaedics alleging an artificial metal-on-metal hip the company manufactured was defective, announced today that the landmark $2.5 billion settlement negotiated last November has been accepted by the required number of plaintiffs and can now proceed.
- [Law Day, USA](https://finnfinancialgroup.com/2014/05/law-day-usa/) - May 1, 2014 - Today our firm celebrates Law Day in honor of our many friends, clients and business partners who serve in the legal, insurance and law enforcement communities and related fields. Some excerpts from Public Law 87-20 " ... a special day of celebration by the people of the United States ... ...
- [Life Expectancy Calculator](https://finnfinancialgroup.com/2014/04/life-expectancy-calculator/) - April 7, 2014 - If you're tired of those boring life expectancy tables that lump everyone into two categories - male and female - to estimate how long you're most likely going to live, have we got a calculator for you. The Living to 100 Life Expectancy Calculator is a free online, interactive tool which
- [Our 5th Anniversary](https://finnfinancialgroup.com/2014/04/our-5th-anniversary/) - April 1, 2014 - Five years ago, in the midst of the greatest economic calamity in more than three-quarters of a century, Finn Financial Group opened its doors for business with a pledge to help others "achieve maximum financial success and security through the effective use of structured settlements and other specialty annuity products and
- [AirCraft Casualty Emotional Support Services](https://finnfinancialgroup.com/2014/03/aircraft-casualty-emotional-support-services-2/) - March 25, 2014 - With the reality of Malaysia Airlines Flight 370 now coming into focus, families and friends of those lost on that ill-fated flight will begin the long, personal and very painful journey of grief processing. Nothing prepares anyone for the sudden loss of a loved one. There are no classes, no books,
- [Robin's Story](https://finnfinancialgroup.com/2014/03/robins-story/) - Reprinted from our March 5, 2014 newsletter: Structured Settlements Changing Lives Looking for proof that structured settlements change lives? Then please take a few minutes to watch this short video of Robin, a woman whose touching first person account of her journey following the untimely death of her husband underscores why so many people -
- [Social Security, Pensions and Annuities](https://finnfinancialgroup.com/2014/02/social-security-pensions-and-annuities/) - February 28, 2014 - For years, many "experts" in the financial advice-giving business have cautioned clients to shy away from annuities when it comes time to getting serious about retirement planning. Setting aside the possibility that this bias against annuities may have more to do with lack of education or a personal financial self-interest that
- [February 9, 1964 Reflections](https://finnfinancialgroup.com/2014/02/february-9-1964-reflections/) - February 9, 2014 - I don't remember when I actually heard my first Beatles song but I distinctly remember the anticipation leading up to their February 9, 1964 debut on "The Ed Sullivan Show." I was eight years old and hadn't been this excited since the year before when I learned that cigar-smoking chimpanzees were
- [The Real Gamble](https://finnfinancialgroup.com/2014/01/the-real-gamble/) - January 16, 2014 - There's no shortage of stories about people blowing large sums of money in a short period of time with little or nothing to show for it. Professional athletes. Rock stars. Movie stars. Everyday people. While the high profile celebrity-types (who people generally don't feel sorry for) are the ones who usually
- ["I was very irresponsible"](https://finnfinancialgroup.com/2014/01/i-was-very-irresponsible/) - January 8, 2014 - Most people who accept structured settlements when settling their personal, physical injury claims are not repeat customers. After all, most people never file significant injury claims in the first place let alone doing so on multiple occasions. And since our involvement with a client typically ends once a policy is issued
- [Structured Settlements Looking Up](https://finnfinancialgroup.com/2014/01/structured-settlements-looking-up/) - January 6, 2014 - Structured settlements were created to specifically help address the long term financial needs of those settling personal, physical injury claims. Because injury settlement proceeds represent neither savings nor investment dollars, comparing their returns to other "investments" can be a dangerous method of evaluating their imporatance to someone who can't risk losing
- [November 22, 1963 Reflections](https://finnfinancialgroup.com/2013/11/november-22-1963-reflections/) - November 22, 2013 - Average life expectancy at birth being what it was in pre-war America, it's a sobering reality that a significant percentage of Americans who were adults aged 30 and older in 1963 are no longer around to share their "I remember the day President Kennedy was shot" stories with us. In another
- [Retired Claims Adjuster is Top JFK Assassination Researcher](https://finnfinancialgroup.com/2013/11/retired-claims-adjuster-is-top-jfk-assassination-researcher/) - November 21, 2013 - My dad was a claims adjuster. Thirty years ago, I began my insurance career as claims adjuster. My wife, too, was a claims adjuster. We met at work. One of my brothers was a claims adjuster. So was his godfather. All told, my family and our assorted godparents can lay claim
- [2 Steps To A Happier Life](https://finnfinancialgroup.com/2013/11/2-steps-to-a-happier-life/) - Click on the Smiley Face . . . . . . to be transferred to our November 15, 2013 newsletter where you can learn about two choices you can make that are scientifically proven to make you happier.
- [E + R = O](https://finnfinancialgroup.com/2013/11/e-r-o/) - November 5, 2013 - About a decade ago, someone came up with a novel way for people to promote a particular belief or to advance a personal cause or organization about which they felt strongly. Silicone wrist bands. Part fashion statement and part statement PERIOD, wearing one was a creative way to tell others how
- [Year-End Tax Strategy for Plaintiff Attorneys](https://finnfinancialgroup.com/2013/10/year-end-tax-strategy-for-plaintiff-attorneys/) - October 25, 2013 - In just about eight more weeks, the 2013 calendar will be ready for the recycle bin. For contingency fee-based plaintiff attorneys who've had a successful year, recycling one of the best-ever tax deferral strategies is also on their minds as 2013 winds down: Structured Attorney Fees. Since the passage of the
- [Health Insurance Exchanges](https://finnfinancialgroup.com/2013/10/health-insurance-exchanges/) - October 1, 2013 - Day One of the Affordable Care Act mandated Insurance Exchanges. I am a licensed life and health insurance agent. Although the majority of business I have conducted since forming my own company in 2009 has involved structured settlements and fixed annuities, I have had one client who, each year, chooses to
- [Structured Settlements for Taxable Damage Awards](https://finnfinancialgroup.com/2013/08/structured-settlements-for-taxable-damage-awards/) - From our August 19, 2013 Newsletter: We're Published Again "Taxable damage awards and the use of structured settlements" appears in the August, 2013 issue of: "The magazine for Northern California Plaintiffs' Attorneys" Click [HERE] to read the article online In 2013, our firm has been exceptionally focused on the the topic of structuring taxable settlements,
- [On the Rise:  Structured Settlement Payouts](https://finnfinancialgroup.com/2013/08/on-the-rise-structured-settlement-payouts/) - August 16, 2013 - Remember our blog post from January when we cheered the fact that the 10-Year Treasury closed above 2.0% for the first time in almost six months? Dramatic Interlude: That's OK, that's what we're here for. Here you go: 10-Year Treasury Closes Above 2% Back then, we gave you three reasons why
- ["Best Structured Settlement Resource" Honor Awarded](https://finnfinancialgroup.com/2013/08/best-structured-settlement-resource-honor-awarded/) - For Immediate Release: August 7, 2013 Newport Beach, CA - The Finn Financial Group proudly announces that it has been honored with a 2013 APEX Award for Publication Excellence in the Education & Training Electronic Media category. " . . . based on excellence in graphic design, editorial content and the ability to achieve overall
- [Spinal Cord Injury Lifestyle Revolution](https://finnfinancialgroup.com/2013/07/spinal-cord-injury-lifestyle-revolution/) - July 16, 2013 - I'm apparently a little late to this party but I ran across the most fascinating video today. Scientists in Turkey have created an amazing looking (and acting) robotics alternative to the wheelchair which gives paraplegics significantly more mobility. The TEK Robotic Mobilization Device (TekRMD) could very well be the most liberating
- [Asiana Airlines Flight 214 Help](https://finnfinancialgroup.com/2013/07/asiana-airlines-flight-214-help/) - July 7, 2013 - Most of us will never know the heartache that accompanies the loss one experiences when a loved one is killed as a result of an air disaster. Unfortunately, the family, classmates and friends of the two 16-year old Chinese schoolgirls who died yesterday during the Asiana Airlines Flight 214 crash in
- [Meet CCF's Newest Vice Chairman](https://finnfinancialgroup.com/2013/06/meet-ccfs-newest-vice-chairman/) - Jun 28, 2013 - At our monthly Collaborative Courts Foundation Board of Directors meeting this past week, I proudly accepted my fellow Directors' nomination to serve as its Vice Chairman for the coming term. I feel privileged to serve my community in this capacity and look forward to seeing how much good we can do together.
- [Bracing For The Next Recession](https://finnfinancialgroup.com/2013/06/bracing-for-the-next-recession/) - June 20, 2013 - You sock away as many hard-earned dollars as you can spare, invest in a solid low-cost mutual fund or follow your advisor's investment recommendations in anticipation of some day being able to convert your next egg to a retirement cash flow that will help support you and your family comfortably after
- [Structured Settlement Testimonial to a Great Senator](https://finnfinancialgroup.com/2013/06/structured-settlement-testimonial-to-a-great-senator/) - June 6, 2013 - Just this afternoon, a terrific guest column was published in the Missoulian by the area's 2013 personal injury "Lawyer of the Year" Doug Buxbaum. The op-ed testimonial, "Sen, Baucus' greatest achievement," personalizes one of the greatest, if most unheralded, accomplishments in the storied political career of the senior senator from Montana,
- [Structured Attorney Fees PS](https://finnfinancialgroup.com/2013/05/structured-attorney-fees-ps/) - May 24, 2013 - Shortly after I posted my blog on Structured Attorney Fees earlier today, the following MarketWatch article popped up on my in-box: "3 money moves to beat back higher taxes - How to navigate new rules and put more cash in your pocket" Money Move No. 1 from this Dow Jones affiliate
- [Pensions Boost Economies](https://finnfinancialgroup.com/2013/05/pensions-boost-economies/) - May 15, 2013 - A note of appreciation to one of my colleagues in the structured settlements industry and best selling author, Don McNay, for calling my attention to an interesting article appearing in The Lane Report, a periodical focusing on business and economic issues in and around Don's home state of Kentucky. The article,
- [The Dawning of the Age of Annuities](https://finnfinancialgroup.com/2013/05/the-dawning-of-the-age-of-annuities/) - May 2, 2013 - When HAIR: The American Tribal Love-Rock Musical debuted at The Public Theater in 1967 as the venue's first-ever production, our country's social fabric was in the midst of a rinse cycle involving some pretty harsh chemicals. Literally and figuratively. Just twelve years earlier, the most popular album of the time was
- [Structured Settlements in Claims](https://finnfinancialgroup.com/2013/04/structured-settlements-in-claims/) - April 8, 2013 - Things were so different in 1983 when I began my claims career than they are today. Notices of loss were still being taken by hand. Pretty much every claims manager had his own secretary. (And I used "his" intentionally since nearly every claims manager was male) Among the tools in common
- [DePuy Deserves Blame for Failed Hips](https://finnfinancialgroup.com/2013/03/depuy-deserves-blame-for-failed-hips/) - March 25, 2013 - That's the conclusion of the USA Today Editorial Board following its analysis of the recently concluded Los Angeles Kransky v DePuy trial in which a jury found the device manufacturer negligent to the tune of $8.3 million in compensatory damages awarded to a retired Montana prison guard who sued DePuy over
- [Annuities Hold the Key](https://finnfinancialgroup.com/2013/03/annuities-hold-the-key/) - March 7, 2013 - Shortly after posting an earlier blog on annuities today, I ran across an article I missed earlier in the week that reinforces the value of annuities in retirement planning. Titled "Say Goodbye to the 4% Rule," this Wall Street Journal column analyses a conventional retirement "draw down" strategy and comes to
- [Our "Best" Structured Settlement Endorsement Yet](https://finnfinancialgroup.com/2013/03/our-best-endorsement-yet/) - With great pride we announce today our firm's inclusion in Best's Directory of Recommended Expert Service Providers in its Structured Settlement listing. America's premier independent insurance rating organization, A.M. Best Company, Inc. is designated as a Nationally Recognized Statistical Rating Organization (NRSRO) by the National Association of Insurance Commissioners (NAIC). Directory listing eligibility is based
- [Who Likes Annuities?](https://finnfinancialgroup.com/2013/03/who-likes-annuities/) - "We like annuities!" March 3, 2013 - And by "we," we mean YOU! This according to a recent study conducted by Life Insurance and Market Research Association (LIMRA). Reinforcing a theme we're quite familiar with at our firm, the study overwhelmingly concludes: People who choose annuities are glad they did. Among the LIMRA study findings, published
- [Faded Glory](https://finnfinancialgroup.com/2013/02/faded-glory/) - February 28, 2013 - Professional sports and big money go hand in hand. One is not possible without the other. Contracts are signed, big money changes hands and athletes and team owners smile for the cameras. For the lucky ones, this cycle repeats itself a few times as the prospects of ongoing riches loom ever
- [Bow WOW:  Breeds Matter](https://finnfinancialgroup.com/2013/02/bow-wow-breeds-matter/) - Dog Breeds, Bites and Insurance Claims February 18, 2013 - According to the Insurance Information Institute, dog bites accounted for more than one-third of ALL homeowners liability dollars paid in 2011. It took a total of about $479 million to satisfy more than 16,000 claims that year. That's $3.53 trillion in dog dollars. Laws vary
- [Taxes and Structured Settlements](https://finnfinancialgroup.com/2013/02/taxes-and-structured-settlements/) - February 18, 2013 - An article from last week's issue of Claims Journal serves as a timely reminder to claims professionals everywhere of the interconnectivity between structured settlements, the current debate on income taxes and effective claims resolution. In short, rising tax rates make tax-free income more attractive when settling injury claims. This is but
- [What Are The Odds?](https://finnfinancialgroup.com/2013/02/what-are-the-odds/) - February 14, 2013 - Let's start with the obvious: It depends on the event. But since it's St. Valentine's Day and our thoughts turn to romance, let's start with the odds that any given person will ever date a Supermodel. The answer? 1 in 88,000. At least according to "What Are Your Odds Of Winning
- [Phil's (Tax) Pill](https://finnfinancialgroup.com/2013/02/phils-tax-pill/) - February 3, 2013 Dear Phil, Congratulations on winning the 2013 Waste Management Phoenix Open! It was well deserved and, quite literally, couldn't happen to a nicer guy. But knowing how you feel about your current tax situation (even though you backtracked a little on your original stance as one would expect a habitual nice guy
- [Structured Medicare Set-Aside Settlements](https://finnfinancialgroup.com/2013/01/structured-medicare-set-aside-settlements/) - January 31, 2013 - While most parties involved in settling Workers' Compensation claims are familiar with the concept of Structured Medicare Set-Aside Arrangements (MSAs), it remains a surprisingly underutilized approach to satisfying the parties' obligations under the Medicare Secondary Payer (MSP) laws. That's why we were pleased to read the straightforwardly titled "The Value of
- [AGL Structured Settlements:  Stars of YouTube](https://finnfinancialgroup.com/2013/01/agl-structured-settlements-stars-of-youtube/) - January 31, 2013 - A few days ago, we passed along the news that A. M. Best has just upgraded the outlook for American General Life from stable to positive. We cheered that good news. Today, we're cheering even louder because of the 2 minute YouTube video we just watched which was produced by American
- [10-Year Treasury Closes Above 2%](https://finnfinancialgroup.com/2013/01/10-year-treasury-closes-above-2/) - January 30, 2013 - At first blush, this may seem like news to yawn about. But today's close of the 10-Year Treasury yield above 2% for the first time in nine months is important for a couple reasons. Reason One Today's close at 2.03% means the yield is 42% better than it was at its
- [Best Boost For American General](https://finnfinancialgroup.com/2013/01/best-boost-for-american-general/) - January 29, 2013 - Independent rating agency A. M. Best has revised its credit rating outlook of American General Life from "stable" to "positive" according to last week's press release on the topic. American General is one of the four domestic life/health subsidies impacted by this action taken on parent company American International Group, Inc.
- [First DePuy Trial Underway](https://finnfinancialgroup.com/2013/01/first-depuy-trial-underway/) - January 22, 2013 - The first trial in the nation involving the recalled ASR artificial hip implant devices, manufactured by DePuy Orthopaedics, is scheduled to begin this week in a California court room according to today's Wall Street Journal. Tomorrow's Washington Post includes some interesting details about the pre-trial expert testimony on the case styled
- [Hey, Phil: Chill.](https://finnfinancialgroup.com/2013/01/hey-phil-chill/) - Don't Sweat the Big Stuff January 21, 2013 - There are few golfers on tour more popular than Phil Michelson. Movie star good looks. Four major championships. Second on the "all-time money" list of tournament prize money won. Endorsements through the roof. And apparently it's the latter that's finally catching up to Lefty. According to Sports
- [First DePuy Trial To Begin](https://finnfinancialgroup.com/2013/01/first-depuy-trial-to-begin/) - January 4, 2013 - According to various sources, the first state trial in the United States involving the much maligned DePuy ASR artificial hip is scheduled to go out on Monday, January 7, 2013 in Prince George County, Maryland. While industry insiders will be watching this state trial with great interest, more interest will likely
- [Best Defense Against Defense Contractor Award](https://finnfinancialgroup.com/2012/11/best-defense-against-defense-contractor-award/) - 88% of $7.1 Million Award Attributed to Punitive Damages November 3, 2012 - Defense contractor KBR was recently found negligent by an Oregon jury for "knowingly" exposing National Guard soldiers to toxic chemicals while they were serving their country in Iraq according to CNN. Each plaintiff was awarded $850,000 in non-economic damages and $6.25 Million
- ["News You Can Use"](https://finnfinancialgroup.com/2012/07/news-you-can-use/) - New FREE Webinar Series Announced As part of our firm's ongoing commitment to helping clients meet their long-term financial security needs, we are beginning to convert many of the popular lectures and seminars we've given over the years into a format that will make them more accessible to all. Keep your eye on the Finn
- [Advisors Say "Yea" to Annuities](https://finnfinancialgroup.com/2012/07/advisors-say-yea-to-annuities/) - Guaranteed Income Solutions Appropriate for Most Regular readers of our blog will notice a few recurring themes in our posts when it comes to retirement planning and post-settlement planning: Protecting yourself from the risk of outliving your money is wise Slow and steady wins the race Things that look too good to be true usually
- ["Doggone Insurance Claims!"](https://finnfinancialgroup.com/2012/05/doggone-insurance-claims/) - Dog Bite Claims Costs Increase 16% in 2011 to $479 Million Despite the best intentions of National Dog Bite Prevention Week which occurs the third week of May every year, statistics reveal that the cost of claims for dog bites increased from a year earlier according to estimates from the Insurance Information Institute. The average
- [Retirement Goggles](https://finnfinancialgroup.com/2012/05/retirement-goggles/) - Are Your Eyes Open About Your Retirement? Expanding on the theme of yesterday's newsletter, "The Secret to Living Well at 100," which we sent our clients so they can properly plan for their financial futures, here's some supplemental information you're sure to find helpful. And probably more than a little disconcerting. Simply put, we all
- [Wrongful Convictions Tax Relief Act of 2012](https://finnfinancialgroup.com/2012/04/wrongful-convictions-tax-relief-act-of-2012/) - Legislation would provide tax break for the wrongfully convicted April 19, 2012 - With DNA evidence helping lead the way toward exoneration of those who have been falsely convicted and wrongfully imprisoned, a bill in Congress introduced last month by Congressmen Sam Johnson (R-TX) and John Larson (D-CT), would institute fairness to countless men and
- [Treasury Says "No" to Single Claimant QSF Request](https://finnfinancialgroup.com/2012/01/treasury-says-no-to-single-claimant-qsf-request/) - January 20, 2012 Treasury Issues Final Regulations Under 104(a)(2) Physical Injury Damages Exclusion Internal Revenue Code Section 104(a)(2) is the foundation upon which structured settlements, which provide guaranteed future periodic payments on an income tax-free basis for personal, physical injury claimants, is built. On January 20, 2012, Treasury issued its FINAL regulations under
- [Motor Vehicle Mishaps Tops Accidental Death List](https://finnfinancialgroup.com/2012/01/motor-vehicle-mishaps-tops-accidental-death-list/) - In its post Top 5 Causes of Accidental Death in the United States, list-oriented website Listosaur.com takes a look at some statistics that contribute to the rankings of a list we all strive to avoid being featured in. Their blog suggests that if people would simply stop drinking, being distracted and being young while driving,
- [Claims Journal Interview on Structured Settlements](https://finnfinancialgroup.com/2011/11/claims-journal-interview-on-structured-settlements/) - (Reprinted from Finn Financial Group E-Newsletter) Claims Journal Article Touts Advantages of Structured Settlements During Claims Negotiations I was recently interviewed, in my capacity as President of the National Structured Settlements Trade Association (NSSTA), for an article which appears in the October 31 issue of Claims Journal. Entitled "Benefits of Using Structured Settlements in Claims
- [ABA President on Structured Settlements and Civil Justice](https://finnfinancialgroup.com/2011/10/aba-president-on-structured-settlements-and-civil-justice/) - A very brief blog to call your attention to our firm's most recent e-newsletter featuring a re-cap of the American Bar Association President's views on two topics vital to the success of our civil justice system: Structured settlements and the funding challenges facing our state courts. Required reading for anyone concerned about civil justice. [Click Here] to read the newsletter and
- [Admitted Assets Up](https://finnfinancialgroup.com/2011/10/admitted-assets-up/) - Life Industry Shores Up Balance Sheets October 18, 2011 - The life insurance industry's admitted assets stood at $5.4 trillion as of June 30, 2011 according to A. M. Best. This represents a 3% increase over the first six months of 2010. Why should this matter to our clients? In an economy where ALL industries are
- [We're PRIME for You](https://finnfinancialgroup.com/2011/10/were-prime-for-you/) - "Anyone can get old. All you have to do is live long enough." -- Groucho Marx -- For most, the realization starts to take root when you hit the age 30 milestone. For others, it's age 40. But without a doubt, by the time that AARP application hits your mailbox at age 50, you begrudgingly begin
- [My 9/11 Story](https://finnfinancialgroup.com/2011/09/my-911-story/) - The only thing unusual about the way September 11, 2001 unfolded for me in Orange County, California was the fact that my alarm went off at 4:00 o'clock. In the morning. Not normally an early riser, I was scheduled to participate in a settlement conference in the Bay Area that day and logistics required such an early wake-up call.
- [Structured Oil & Gas Leases](https://finnfinancialgroup.com/2011/08/structured-oil-gas-leases/) - Tax Savings Strategy Helps Save You Money, Secure Your Future Background With domestic oil & gas exploration on the rise, landowners around the country are being approached by landmen representing oil & gas companies who want to lease their land and the rights to minerals they believe lie beneath the surface. In addition to potential
- [Joint Replacement Primer](https://finnfinancialgroup.com/2011/07/joint-replacement-primer/) - For those lucky enough to have avoided joint replacement surgery thus far in their lives, a helpful article appeared recently in The Huffington Post. Entitled 13 Must-Know Facts About Joint Replacements, the article shares some timely tips for those who are contemplating surgery. While our firm continues to follow the DePuy Hip Recall with great interest
- [Blasting Caps in North Carolina](https://finnfinancialgroup.com/2011/07/blasting-caps-in-north-carolina/) - NC House: $500,000 caps on MedMal Noneconomic Damages Continuing a trend across the country, the North Carolina House voted to override Gov. Beverly Perdue's veto of legislation that caps medical malpractice noneconomic damages at $500,000 for medical malpractice cases. This North Carolina change tracks with similar tort reform efforts and court decisions recently occurring in Texas, Oklahoma, Pennsylvania,
- [Hot Coffee...And Other Myths About Justice](https://finnfinancialgroup.com/2011/06/hot-coffee-and-other-myths-about-justice/) - Just a brief alert to make sure everyone sets their DVRs to HBO this coming Monday, June 27 for the premiere of: Hot Coffee is the award winning, critically acclaimed documentary that tells the inside story of Stella Liebeck, the woman who unfairly became a national symbol of legal system frivolity when she was awarded $2.9 million stemming from a
- [Employment Survey: What's Old May Be New Again](https://finnfinancialgroup.com/2011/04/employment-survey-whats-old-may-be-new-again/) - Seems people have a penchant for going "Back to the Future." "Old" ideas get a fresh coat of paint and are recycled for the next generation who embrace them as their own. Just think of all the successful TV shows that focus on a particular historical period in time but are produced a decade or
- [New Tax Deferral Strategy for Business Brokers and Realtors](https://finnfinancialgroup.com/2011/04/new-tax-deferral-strategy-for-business-brokers-and-realtors/) - The same tax deferral benefit enjoyed by contingency fee lawyers for years is now available for another group of professionals often looking for a sensible tax break: Business Brokers and Real Estate Agents. This is terrific news for any realtor or business broker who has always sought a way to safely and conveniently defer taxes on commissions they earn
- [2010 Financial Results:  Life/Health Industry Rebounding](https://finnfinancialgroup.com/2011/03/2010-financial-results-lifehealth-industry-rebounding/) - As March Madness heads into its final rounds, it seems an appropriate time to share with clients the good news that NCAA cagers aren't the only ones rebounding. According to A. M. Best, the life/health industry continues to recover from the financial crisis as evidenced by the improvement of key economic indicators. Among the highlights: Total admitted assets improved
- [Structured Settlement Talk:  DePuy ASR Hip Recall Litigation](https://finnfinancialgroup.com/2011/03/depuy-asr-hip-recall-litigation/) - And Why This Matters to Me Less than a year ago, I underwent bilateral total hip replacement surgery. It was one trip to the doctor's I would have sooner avoided. But I had no choice and the surgery, fortunately, appears to have been successful. Then, just a few months out of the operating room, I learned of a
- [Structured Settlement Talk:  The Best Thing Since Sliced Bread](https://finnfinancialgroup.com/2011/02/the-best-thing-since-sliced-bread/) - Although it's impossible to know who first ventured into culinary lore by slicing a loaf of bread instead of pulling it apart, historians pretty much agree that it wasn't until July 7, 1928 when commercially produced, pre-sliced bread was first sold to the public from a bakery in Chillicothe, Missouri. So when former justice Jerry
- [Structured Settlement Talk:  Be Happier - Take The Annuity](https://finnfinancialgroup.com/2011/01/be-happier-take-the-annuity/) - With the birth of every new lottery "Mega-Millionaire," stories warning about the perils of sudden money begin to re-circulate. Last week's headline that two more people joined the Mega-Millions fraternity saw a resurgence of such stories. The moral of the stories all have a familiar ring: Money doesn't always buy happiness. Or, it turns out, stability either! Last Friday, CNNHealth featured
- [Structured Settlement Talk:  You've Got a Friend](https://finnfinancialgroup.com/2011/01/youve-got-a-friend/) - "With a friend at hand you will see the light If your friends are there then everything's all right" - Elton John, Bernie Taupin - Way back in the dark ages of communication, prior to 2004, people kept in touch in all sorts of ways that seem almost quaint by today's standards. They wrote
- [Structured Settlements for Exonerated Prisoners](https://finnfinancialgroup.com/2010/11/structured-settlements-for-exonerated-prisoners/) - IRS Confirms: Wrongfully Imprisoned Exonerees Can Receive Tax-Free Structured Settlements Affirming what's generally been accepted as true for many wrongfully convicted individuals upon earning their freedom, the Internal Revenue Service published a Written Determination this past Friday (Number: 201045023) that removes any ambiguity surrounding the tax-treatment of compensation exonerees receive on account of personal, physical
- [Entertainment Expert Discovers Structured Settlements](https://finnfinancialgroup.com/2010/11/entertainment-expert-discovers-structured-settlements/) - For more than 20 years, Kathryn Arnold has been involved in the entertainment industry. Her professional experience has run the gamut from production and development to financing and fund-raising on everything from major motion pictures and television to the Los Angeles Olympic Organizing Committee. Several productions she's been involved with have gone on to win
- [STRUCTURE ALERT: Gov. Schwarzenegger Signs SB 1408](https://finnfinancialgroup.com/2010/10/structure-alert-gov-schwarzenegger-signs-sb-1408/) - CLHIGA Limits for Structured Settlements Increased to $250,000 In a move long overdue in the eyes of many, Gov. Arnold Schwarzenegger signed Senate Bill No. 1408 into California Law last weekend. The bill was sent to the Secretary of State on Monday, September 27, 2010. This is welcome news for recipients of structured settlement benefits
- [Social Justice “Living Legend” Talks Structured Settlements](https://finnfinancialgroup.com/2010/08/social-justice-living-legend-talks-structures/) - Greetings Fellow Supporters of Justice! Today's featured video highlights comments of esteemed Civil Rights Leader, the Hon. John Lewis (D-GA), in his address before the National Structured Settlements Trade Association a few months ago. Recipient of more than 50 honorary degrees and countless awards for his dedication to the Civil Rights Movement, Rep. Lewis personifies
- [WSJ Sheds Light on “After Market” Structured Settlements](https://finnfinancialgroup.com/2010/07/wsj-sheds-light-on-after-market-structured-settlements/) - You've seen the late night TV commercials. You can get "CASH" for your structured settlement payments NOW! "Let us help you out of that burdensome, extremely attractive and secure guaranteed income tax-free cash flow you are receiving," the paid spokesperson suggests. "We understand your problem and will give you the money YOU deserve such is
- [Structured Settlement Talk:  You, Me and Those Darned Assumptions](https://finnfinancialgroup.com/2010/07/you-me-and-those-darned-assumptions/) - A few days ago, an attorney client-friend I hadn't spoken with in awhile called for some structured settlement proposals. "Business must be terrible since rates are so bad, right?" I acknowledged some cases recently where clients who were excellent candidates for guaranteed tax-free income desperately needed cash to stave off foreclosure, support a laid-off spouse,
- [Structured Settlement Talk:  New York Life Improves Attorney Fee Choice](https://finnfinancialgroup.com/2010/06/new-york-life-improves-attorney-fee-choice/) - Product Enhancement Announcement From: New York Life Fixed Annuity Leader Now Accepting "Stand-Alone" Structured Attorney Fees! Plaintiff attorneys in the know have been structuring their fees for many years. They have long valued the certainty, the security and the tax advantage that comes from deferring fees into a future year. New York Life has always
- [Structured Settlement Talk:  Too Old for Financial Security?](https://finnfinancialgroup.com/2010/05/too-old-for-financial-security/) - Think Again, My Mellowing Friend! I recently participated in a mediation where the plaintiff attorney denied his client an opportunity to structure her settlement because his client was "too old." She was 59. While 59 years of age may have been considered "too old" to think about lifetime financial security in another era (like, maybe
- [Attorneys Agree on Benefits of Structured Settlements](https://finnfinancialgroup.com/2010/03/attorneys-agree-on-benefits-of-structured-settlements/) - Defense and Plaintiff Attorneys Agree: Structured Settlements Work! Just because plaintiff and defense attorneys are legal adversaries doesn't mean they always disagree. For instance, clearly they agree on their obligation to advocate for the clients who retain their services click here to hire a lawyer. I'm pretty sure both agree it's a good idea to
- [Retirement and Benefit Funding Solutions](https://finnfinancialgroup.com/2010/03/retirement-and-benefit-funding-solutions/) - For most of the last 30 years, the idea of fixed term retirement solutions seemed about as trendy as Brylcreem. Companies offering Defined Benefit plans dwindled and serious efforts were afoot to privatize Social Security. Years of generally positive returns seduced people into believing that the stock market posed no inherent risk to their retirement
- [Structured Celebrity Endorsements](https://finnfinancialgroup.com/2010/03/structured-celebrity-endorsements/) - "You must pay taxes. But there's no law that says you gotta leave a tip." - Author Unknown - As Structured Settlements continue to evolve beyond their traditional personal, physical injury roots, many people have enjoyed the benefits of having taxable income deferred into a future year while earning pre-tax interest along the way. "Structured Settlement-like" offerings
- [Then and Now](https://finnfinancialgroup.com/2010/02/then-and-now/) - Then and Now: Fifty Years of Automobile Safety The Insurance Institute for Highway Safety celebrated its 50th anniversary in 2009. To commemorate this milestone and to demonstrate how far automobile safety has come in the past half century, the Institute arranged a crash test pitting a 1959 Chevrolet Bel Air against a 2009 Chevrolet Malibu.
- [Structured Settlement Talk:  It's Oscar Time!](https://finnfinancialgroup.com/2010/01/its-oscar-time/) - With the Golden Globes and SAG Awards behind us and Oscar nominations just around the corner, I thought it might be fun to dive into the film vaults to see what roles, if any, Structured Settlements have ever played in the movies. If you're a sucker for courtroom dramas like I am, you probably can
- [My Letter to the Editor on Structured Settlements](https://finnfinancialgroup.com/2010/01/my-letter-to-the-editor/) - I'm not usually one to throw stones. But an article recently appeared in the Daily Journal that raised my ire sufficiently to elicit a response. I'm attaching a copy of my rebuttal Letter to the Editor, published January 13, 2010 in both the San Francisco and Los Angeles editions, for your convenience. Structured Settlements Offer
- [Structured Settlement Talk:  A Boost for Structured Attorney Fees!](https://finnfinancialgroup.com/2010/01/a-boost-for-structured-attorney-fees/) - For years, contingency fee-based attorneys-in-the-know have practiced the tax-deferral strategy known as Structured Attorney Fees. This simple, yet amazingly effective method of financial planning supplementation has allowed them to set aside funds earned during their prime income-producing years in exchange for a flow of guaranteed, uber-secure, tax-advantaged retirement income. For those who ever doubted the
- [Structured Settlement Talk:  Never Give Up](https://finnfinancialgroup.com/2009/11/319/) - I recently had the privilege of assisting with the structured settlement choices made by two men who spent more than a decade in prison for crimes they did not commit. Eventually freed and vindicated of all criminal charges, they were wise to have selected excellent counsel to work on their behalf when it came time
- [Got Life...?](https://finnfinancialgroup.com/2009/11/got-life/) - . . . Insurance, That Is. or Is Group Life Right For You? For more than 25 years I did what most employees do when it comes to choosing life insurance. I checked the box that came with my open enrollment materials and chose the amount of coverage I needed. It seemed affordable enough and
- [Daily Journal Article on Attorney Fee Structured Settlements](https://finnfinancialgroup.com/2009/10/daily-journal-article-on-attorney-fee-structures/) - Let's face it! Plaintiff attorneys ride a roller coaster when it comes to cash flow. When cases settle, the money can be very rewarding. When a dry spell hits, the cash flow stinks! Especially when handling class action and similar cases where the costs associated with developing and trying the case can be high and
- [Structured Settlement Talk:  Historical Interest Rates](https://finnfinancialgroup.com/2009/09/historical-interest-rates/) - Interest rates got you down? Are you holding off making financial commitments that are tied to long-term interest rates (i.e. structured settlements) because you believe rates are certain to bounce higher in the near future? While it may seem sensible to stash your cash in liquid, low interest bearing accounts because you believe brighter days
- [Sen. Dick Durbin (D-IL) on Structured Settlements](https://finnfinancialgroup.com/2009/08/284/) - As part of our commitment to keeping you abreast of developments affecting your lives and careers, we plan to periodically feature videos that we hope you find insightful. If "a picture is worth a thousand words" then thousands of pictures moving really fast should be worth a billion words! I hope you'll take the time

## Pages

- [Finn Financial Group](https://finnfinancialgroup.com/) - Tax-Advantaged SecurityTrusted Advisors When it Matters Most Book Appointment Helping You Achieve Stability in Life We’re Here to Help With over 35 years of industry experience, Finn Financial Group helps you make important financial choices during life's most important transitions. Whether you're settling a personal injury claim, selling the family business, or planning retirement, we
- [Attorney Fees](https://finnfinancialgroup.com/learn-more/save-money-by-structuring-your-attorney-fees/) - Defer contingency fees and spread your tax liability over time. Dan Finn, MSSC — nationally published expert & 35-year structured attorney fees specialist. Newport Beach, CA.
- [Structured Settlements](https://finnfinancialgroup.com/settlements/) - Tax-free structured settlements guaranteed by top-rated insurers. Dan Finn, MSSC — nationally published expert & 35-year specialist. Newport Beach, CA.
- [Structured Installment Sales](https://finnfinancialgroup.com/save-money-by-structuring-the-sale-of-your-business-or-property/) - Defer capital gains taxes when selling your business or property. Structured installment sales offer guaranteed payments and no out-of-pocket cost. Dan Finn, MSSC, CEPA — nationally published expert.
- [Brochures](https://finnfinancialgroup.com/learn-more/brochures/) - To help you better understand the benefits of structured settlements and annuities, we've assembled helpful brochures designed to support informed decision-making about your financial future. (Special thanks to the National Structured Settlements Trade Association for producing several of these brochures.) Security and Stability to Last a Lifetime Structured settlements are backed by life insurance companies
- [Our Services](https://finnfinancialgroup.com/services/) - About UsWhat We Do The Finn Financial Group is a full-service, specialty planning firm with a commitment to the well-being of the client. For a greater understanding of the services we provide, click on your area of interest. Structured Settlement Planning Let's talk about how we can help you Contact Us
- [About Us](https://finnfinancialgroup.com/about/) - About UsWho We Are Specialized expertise. Personalized solutions. Lasting security. At Finn Financial Group, we specialize in structured settlements, structured attorney fees, structured installment sales, and other tax-advantaged payment solutions that safeguard your financial future. We partner with you to create a guaranteed payment plan designed around your life, your goals, and your family's needs.
- [Learn More](https://finnfinancialgroup.com/learn-more/) - Learn More Finn Financial Group offers a comprehensive library of resources—including videos, guides, articles, and blog posts—to help clients and professionals better understand structured settlements and tax-advantaged payment solutions. Finn Financial Group is committed to helping industry professionals and clients better understand structured settlements and the tax-advantaged payment solutions we offer. Explore the resources below
- [Save Money by Structuring Your Taxable Settlements](https://finnfinancialgroup.com/save-money-by-structuring-your-taxable-settlements/) - Traditional structured settlements are widely endorsed by the nation's top attorneys, disability advocacy groups, claims professionals, and policymakers—and for good reason. With cash flows that are 100% income tax-free and tailored to individual needs, structured settlements have been securing financial futures for over 40 years. Yet many of these same advocates who encourage structured settlements
- [Publications](https://finnfinancialgroup.com/learn-more/publications/) - Articles Structured Installment Sales: The Baby Boomer’s Best Friend When Selling Real Estate, Realty Times (August 21, 2023) An Introduction to Structured Installment Sales, The CPA Journal, (October/November, 2021), pp. 12-15 Structured Installment Sales: Leave Capital Gains Taxes Behind When You Leave California, Realty Times (December 29, 2020) Are You Too Trusting?, Plaintiff (November, 2018),
- [Contact Us](https://finnfinancialgroup.com/contact/) - Finn Financial Group, LLC260 Newport Center Drive, Suite 100Newport Beach, CA 92660 Phone: 949.999.3322Cell: 949.274.5485Fax: 949.999.3375E-Mail: Dan@FinnFinancialGroup.comCA Insurance License: 0A96173 The information on this web site is not intended to provide legal or tax advice. Various tax codes and regulations can be complex and clients are encouraged to seek independent legal and tax counsel.
- [Videos](https://finnfinancialgroup.com/learn-more/videos/) - What Industry Leaders Are Saying Discover the many benefits of structured settlements through insights from legal professionals, policymakers, judges, and industry experts who have seen firsthand how these solutions protect injured individuals and their families. Personal Stories Kim's Story In this touching video produced by Prudential Structured Settlements, Kim discusses the many benefits her structured
- [For Business & Property Owners](https://finnfinancialgroup.com/services/realtors-and-property-owners/) - Beyond personal injury settlements, Finn Financial Group specializes in applying structured payment strategies to business and real estate transactions. As experts in Structured Installment Sales, we help business owners and property owners defer taxes and create secure, long-term income. We assist by: Helping business owners and property owners defer capital gains taxes when selling qualifying
- [For Attorneys](https://finnfinancialgroup.com/services/attorneys/) - Keeping current on the evolving laws, options, and best practices around structured settlements can be challenging unless it's your primary focus. That's where Finn Financial Group comes in. With a commitment to the well-being of injured individuals, we partner with you throughout the settlement process to support your clients' best interests. We assist by: Providing
- [For Injured Parties](https://finnfinancialgroup.com/services/injury-victims/) - Contact Us To find out how we can help you achieve stability in life, contact us today.
- [The Finn Blog](https://finnfinancialgroup.com/learn-more/blog/)
- [Additional Services](https://finnfinancialgroup.com/services/additional-services/) - Beyond our core expertise in structured settlements, Structured Installment Sales, and structured attorney fees, Finn Financial Group provides additional financial solutions designed for safety, security, and guaranteed outcomes. Life Insurance Life insurance is often an important component of comprehensive settlement and financial planning. We help you evaluate your options and make informed choices based on
- [For Claims Professionals](https://finnfinancialgroup.com/services/insurance-companies/) - Finn Financial Group partners with insurance carriers, self-insured organizations, and government agencies to facilitate successful structured settlements. Our attention to detail, industry expertise, and commitment to transparency make us a trusted resource for claims departments nationwide. For Claims Professionals Providing structured settlement illustrations and present value analysis Helping present settlement offers to claimants and their
- [Structure Your Oil or Gas Lease Bonus](https://finnfinancialgroup.com/structure-your-oil-gas-lease-bonus/) - Save Money by 'Structuring' Your Oil or Gas Lease Bonus With the country’s energy demands evolving, domestic mineral exploration is on the rise creating financial windfalls for many landowners. In addition to potential royalties, most landowners receive an upfront bonus payment. These one-time payments can be quite substantial, but they almost always catapult the landowner
- [Factoring Settlements Comic](https://finnfinancialgroup.com/factoring-settlements-comic/) - A Day in the Life of a Factoring Transaction “Should I sell my structured settlement annuity?” Owners of structured settlement payment rights are often tempted to sell those rights to third party settlement purchasers, many of whom vie for their attention through aggressive online marketing and outrageous television advertising. But just because a person can
- [E-GUIDE Download](https://finnfinancialgroup.com/e-guide/) - OUR E-GUIDE TO STRUCTURED SETTLEMENTS CLICK HERE TO DOWNLOAD our latest E-GUIDEStructured Settlements: Debunking Four Common Myths In a climate of economic uncertainty, people naturally worry about their financial future more so than usual. For those settling personal injury claims, the fear is compounded because the stakes can be so much higher. To make matters
- [DePuy ASR Hip Settlement](https://finnfinancialgroup.com/depuy-asr-hip-settlement/) - If you have been impacted by the recent DePuy ASR Hip Recall, Finn Financial Group is here to help. For over 20 years, Dan Finn has personally helped thousands of people achieve financial stability after a life-altering experience through what is known as a structured settlement. How a Structured SettlementCan Help You Achieve Stability A
- [Structure Myths](https://finnfinancialgroup.com/learn-more/structured-settlement-myths/) - OUR E-GUIDE TO STRUCTURED SETTLEMENTS In a climate of economic uncertainty, people naturally worry about their financial future more so than usual. For those settling personal injury claims, the fear is compounded because the stakes can be so much higher. To make matters worse, fearmongers with hidden agendas prey upon unnerved plaintiffs by spreading false

## Categories

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