Structured settlements are common — but they are not always the optimal solution.
For large settlements, the decision between structure and active management should consider:
- Inflation risk
- Liquidity needs
- Tax coordination
- Investment return expectations
- Estate planning objectives
When Structured Settlements Make Sense
- Clients requiring guaranteed income
- Severe disability cases
- Risk-averse recipients
When Active Institutional Management May Be Appropriate
- Younger recipients
- Larger liquidity events
- Multi-generational planning goals
- Sophisticated asset allocation needs
The key is optionality — not default.
Elite planning frameworks analyze both sides objectively.
