Structured Settlement Advisor Now In the Pikes Peak Region

WOODLAND PARK, Colo. - April 2, 2013 - PRLog -- James E. Campbell, Jr., CFEd ® has been selected to provide structured settlement advice on behalf of Woodbridge Structured Funding, LLC. to meet the demands of more clients in the Pikes Peak Region.

“So far, the investment world is not talking much about Structured Settlements, which are not securities,” Campbell said. “These investment vehicles deliver exactly what they promise, guaranteed by state and Federal laws.”

Historically, compensation claims for injuries, liability and malpractice were paid out in lump sums. But, as the dollar amount of these awards began to rise dramatically in the 1970s, the courts began awarding structured settlements that protected the interests of both plaintiff and injured party.

“These court-ordered agreements allowed the award to be paid out in installments over an extended period of time,” Campbell said.

“For investors who choose predictability over risk, purchasing a structured settlement for a discounted price offers peace of mind along with above average returns. It's also a great way to balance out a portfolio that may lean heavily toward risk.

Here is how it works: An insurance company is assigned to set up a guaranteed stream of payments to the claimant on a monthly, quarterly or annual basis for a specified number of years.

By relieving the burden of a lump sum cash award, structured settlements help the party judged responsible avoid bankruptcy, according to Campbell. “More importantly, they provide a secure income stream to the claimant.”

The injured party receives a guaranteed, long-term flow of income. But sometimes their circumstances change and it would be better for them to receive the remaining payments in an immediate lump sum. To achieve this, the claimant is willing to sell those payments for a discount.

Campbell lists these 10 reasons to own Structured Settlements:

1.          Better interest rates than bank CDs & Money Markets (4 to 8%)

2.          Safer than banks; no uncertainty

3.          Many to choose from; diverse income possibilities

4.          Income payments are guaranteed by additional insurance

5.          Fixed interest rate is guaranteed for full term

6.          Can be safely ignored; don’t have to be watched

7.          Safety of being backed and assigned by Court order

8.          Can be passed on to heirs

9.          Pay for college without counting against the FAFSA (Free Application for

         Federal Student Aid)

10.          Know exact future payments before investment

On the downside, the periodic payments are fixed and offer no liquidity—and payments cannot be accelerated, increased or deferred. “Before purchasing, remember that this is a non-liquid, fixed rate investment. Carefully review each offer you are considering and weigh all your options before making a decision, is my advice,” Campbell said.

“The decision to purchase a structured settlement depends heavily upon your financial goals,” Campbell said. “For individuals looking for a low-risk investment that pays a higher yield than today's Certificates of Deposit and Money Market accounts, structured settlement transfers offer an attractive alternative,” he said.

Campbell is a financial professional located in Woodland Park, CO, who also can provide current structured settlement owners whose circumstances have changed with the ability to convert their settlement into a lump sum payment. James helps match owners with investors.

“Even in this economic climate, we are helping more clients reach financial security sooner,” Campbell said.

Campbell can be found on the very popular KFEZ FM 101.3 radio show “ProsOnCall.”

More information at www.ProsOnCallLive.com.  Previous radio shows can be found at www.CampbellFinancialCorp.com

Campbell is also on FB (http://www.facebook.com/campbellfinancialco) and LinkedIn

http://www.linkedin.com/in/jamesecampbelljr

About Campbell Financial Corp:  Our goal is to help you achieve your retirement goals in a manner that helps you feel more secure through Structured Settlements.  Headquartered in Woodland Park, Colorado.  719.687.6220.

Campbell Financial is a Colorado State licensed Investment Advisor and Insurance Agency.