Offices of Noah S. A. Schwartz at Ringler

06/23/2026

Most people never hear the term “structured settlement” until they’re already dealing with a difficult life event.

Now, the conversation around structured settlements and factoring companies is becoming part of a much larger national discussion about consumer protection and financial decision-making.

This NSSTA article takes a closer look at why the topic is receiving renewed attention — and why understanding long-term financial choices matters before signing away future payments.

Read the article here:
https://loom.ly/YvhTbR0

06/21/2026

Wishing all Dad's a wonderful Father's Day today!

06/18/2026

Inflation moves slowly. Then it adds up. 📈

A payment that feels right today may not stretch as far ten years from now. Some structured settlements can be designed with built-in adjustments, like a cost-of-living increase, or with periodic lump sums spaced out over the years.

The catch: these features have to be built in from the start. That's why the upfront conversation with our team matters so much.

06/16/2026

Lump sum or structured payments?

A lump sum hands you full control today. A structured settlement provides steady, periodic payments, with qualifying payments for personal physical injury generally received income tax-free under federal law.

Neither option is automatically right. The choice depends on:

Your long-term care and income needs. How comfortable are you managing investments and tax planning? Whether you want to preserve eligibility for needs-based benefits. Who else depends on the funds?

Many settlement plans blend both approaches. The structure should fit your life, not the other way around.

🔗https://loom.ly/HRBjn_w

When a personal injury case settles, one decision carries long-term financial consequences. Understanding how you’ll manage your settlement funds—whether as a lump sum or through structured payments—shapes your security for decades.

06/11/2026

Settlement factoring = trading your future financial security for a discounted lump sum today.

Before making any decisions about your structured settlement, make sure you understand what's at stake.

06/08/2026

A structured settlement is designed to provide long-term financial security, but what happens when that security is at risk?

National Structured Settlements Trade Association's latest Settle Smart conversation breaks down what actually works to protect recipients from predatory factoring.

Worth a read for anyone involved in the process.
🔗 https://loom.ly/ZXjQUco

06/05/2026

Most people recognize the commercials.
Far fewer understand how structured settlements actually work.

This recent *Last Week Tonight with John Oliver* clip takes a closer look at structured settlements, factoring companies, and why these financial decisions deserve careful consideration.

🔗https://loom.ly/dk6NQ3s

06/02/2026

Last Week Tonight with John Oliver recently featured a segment on structured settlements and those “cash now” factoring company commercials that seem to be everywhere.

One thing worth remembering: structured settlements themselves are designed to help provide long-term financial stability. The bigger concern is when future payments are sold away too quickly without fully understanding the long-term impact.

Financial decisions tied to settlements are rarely simple, which is why education and asking questions matter.

Worth a few minutes to watch📽️

John Oliver discusses structured settlements – the incremental payments designed to sustain victims of injury or wrongful death over long periods of time. An...

05/29/2026

Most people only go through settlement planning once. There is usually no reason to know how it works ahead of time.

That is why simple, clear information matters. Understanding the basics early can make the entire process easier to navigate.

If you are looking for a place to start, Ringler’s blog is a helpful resource:
🔗 https://loom.ly/g3ov0Jg

05/27/2026

A few questions come up in almost every settlement conversation:

-- How long do the funds need to last
-- What does monthly life look like
-- What if circumstances change
-- How are taxes handled

Asking these early can make tcan make the entire process smoother and easier to understand.