Sudden Money – How Quickly it Can Be Gone: Don’t Blow a Personal Injury Recovery

By: Jason D. Lazarus, J.D., LL.M., MSCC, CSSC In a February 11, 2015 article from the Business Insider, Michael Kelly and Pamela Engel detail twenty one lottery winners who blew it all (see In the article, there are details regarding the myriad of ways fortunes were lost. For example, “Lara and Roger Griffiths bought…

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Settlement Planning – What is IRR and Does It Matter?

At Synergy, we spend a lot of time in mediations helping attorneys and their seriously injured clients to plan for their post settlement future.  We try to create holistic settlement plans that meet our client’s needs while taking the least possible amount of risk.  The majority of financial products in the settlement industry are fixed income or fixed interest products.

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A Response to the SEC Bulletin: The Truth about Factored Structured Settlements as an Investment Vehicle

On May 13, 2013 the US Securities and Exchange Commission, Office of Investor Education and Advocacy, issued an Investor Bulletin entitled, “Pension or Settlement Income Streams: What you need to know before buying or selling them.” It is the opinion of the authors that this bulletin is misleading and in some cases inaccurate concerning the sale of structured settlement payment streams and factored structured settlements as an investment vehicle.


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From Roger Baron: 5th Circuit rules in favor of ERISA beneficiary and his wife where funds are in a structured settlement

Reprinted with Permission from Roger Baron

The 5th Circuit handed down ACS Recovery Services, Inc. v. Griffin today, April 2, 2012.  Mr. Griffin was seriously injured in an auto accident. The ERISA plan paid medical bills of $50,076.19.  The plaintiff’s attorney secured a settlement of $294,439.82 and arranged for a structured settlement annuity “in an effort to avoid any equitable lien assertion” by the ERISA Plan.  Mrs. Griffin received $40,000 for loss of consortium.  The ERISA plan sued Mr. Griffin and his wife, as well as the trustee and the trust designated to receive the annuity payments.  The trial court “dismissed the claims against all of the defendants.”  This decision by the 5th Circuit affirms that dismissal.

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“Synergy is our guiding light for deferring our contingent legal fees and planning for retirement. The lawyers at Panter Panter & Sampedro, myself included, have been working with them for over ten years using different methods to defer comp and plan for retirement.”

Brett Panter
Panter, Panter & Sampedro

"I don't think I've directly said "thank you" for helping us with Bridgett’s case. We sent the reduced payment to Medicaid and called Bridgett's mom to tell her approximately how much money was going to be left for Bridgett and she broke down over the telephone. Given only $25k of insurance and a $850k medical bill from the hospital she didn't think Bridgett would ever see a penny."

Tom L. Copeland
Jeffrey Meldon & Associates, P.A.

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