Structured Settlement Planning

What Is a Structured Settlement?

A structured settlement allows a plaintiff to receive their settlement through a customized series of tax-free payments, rather than as a single lump sum. These payments can be scheduled monthly, annually, or in any way that supports the claimant’s long-term needs.

Structured settlements are especially valuable in cases involving:

  • Catastrophic injury

  • Minors or individuals with disabilities

  • Wrongful death

  • Long-term care needs

  • Guardianship or trust involvement

Why Structured Settlements Work

For many injury victims, managing a large cash settlement can feel overwhelming — and dangerous. Without proper planning, funds can disappear far too quickly, leaving clients vulnerable to financial hardship.

That’s why structured settlements are often the best option for long-term stability.

✔️ Tax-Free Payments

Payments from a structured settlement are 100% tax-free under IRS Code Section 104(a)(2), making them one of the most powerful planning tools available to personal injury plaintiffs.

✔️ Customized Cash Flow

Set up payments to match real-life needs — from monthly income to future education, home care, or retirement. Payment schedules are designed case-by-case.

✔️ Protection from Mismanagement

Eliminates the risk of quickly spending down a lump sum. Structured settlements create built-in financial discipline while still offering flexibility through tailored schedules.

✔️ Lifetime Income Options

Payments can be guaranteed for life, ensuring that injury victims will always have a source of income — no matter how long they live.

✔️ Peace of Mind for Families

Structured settlements reduce stress and financial uncertainty, allowing families to focus on recovery, care, and quality of life.

Our Process at Wahlstrom & Associates

Every case is personal. Every plan is unique.

Our structured settlement planning process includes:

  • Collaboration with trial counsel to understand medical and life-care needs

  • Comprehensive future financial analysis for each client

  • Integration with trusts, Medicare Set-Asides (MSAs), and public benefit planning

  • Clear communication with families, guardians, and court-appointed advisors

  • National access to top-rated life insurance carriers and annuity providers

We ensure that the plan aligns not just with the case value — but with the human need behind it.

Who We Help

Wahlstrom & Associates partners with:

  • Trial lawyers handling personal injury, medical malpractice, and wrongful death cases

  • Guardians and conservators managing funds for minors or incapacitated adults

  • Families needing long-term care planning

  • Law firms seeking a trusted expert in settlement protection

From single-plaintiff cases to large-scale multi-claimant litigation, we bring the same focus: helping injury victims live with dignity and financial stability.

National Reputation. Personal Service.

With thousands of structured settlements placed over three decades, Wahlstrom & Associates is a recognized name in settlement planning across the United States.

We don’t just process settlements — we plan lives. And we do it with fidelity, compassion, and deep legal insight.