Finn Financial Group
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About Finn Financial Group
The Finn Financial Group is a full-service, specialty planning firm with a commitment to ensuring the long-term financial stability of its clients.  We believe this can best be achieved through a stream of guaranteed , tax-advantaged payments carefully tailored to each individual's specific needs.  Our diligent work has resulted in a long list of satisfied clients and a high degree of trust.
Contact Us
Finn Financial Group, LLC
260 Newport Center Drive, Suite 100
Newport Beach, CA 92660

Direct: 949.999.3322
Toll Free:  800.531.7466
Cell:  949.274.5485
Fax: 949.999.3375
E-Mail: [email protected]

CA Insurance License: 0A96173
Bonds and Structured Settlements:
No More Tears  
For those who remain unconvinced that Structured Settlements are still "a good deal" in today's economy, it's worth noting how other financial professionals view bonds and bond-based instruments such as Structured Settlements. 
First, a brief comment on how structured settlement companies arrive at their rates.  And I do mean brief.  
OK, that may be a bit of an oversimplification but suffice it to say the portfolios of life companies offering structured settlements generally include a significant percentage of quality bond holdings.  That's because life companies are strictly regulated by the states and must meet certain risk-based capital and other requirements in the interest of consumer safety.  
For the past twenty years or so, state regulators have limited what life insurers (including those offering structured settlements) can invest in.  Years ago, companies could get away with reaching for higher yields by investing in riskier instruments like junk bonds. 
Thankfully those days are long gone. 
Today, take a look at any company offering structured settlements and you will likely find a portfolio containing 80% or more of investment grade bonds.  The balance in cash, short term investments and other "sensible" assets with minimal, if any, exposure to anything considered high risk makes for a very safe bet.
One small difference.  Structured settlement rates of return usually exceed bond rates by quite a few (often fifty or more) basis points!
Which brings us back to the original topic.  A recent article entitled "The Age of No More Tears Investing," which appeared in a recent edition of Fortune magazine, quotes a number of financial experts who seem to think quite a bit of bonds these days.   
Click [HERE] to read "The Age of No More Tears Investing"   
Add it all together and you have a formula that goes something like this:
If Bonds = Safe, and
Structures = Backed Mostly By Bonds, and
Financial Experts = Touting Bonds as Good, and
Structure Rates > Bond Rates, Then
It stands to reason that:
Structures = Safe + Good 4 You!
OK, so maybe my theorem needs a little re-working but you get the gist.  Good economy, bad economy.  Whatever the case, structured settlements are a solid choice for those seeking safety and solid performance commensurate with the risk.
Naturally, it all depends on the numbers so please call if you'd like some comparison quotes or to let me know what I can do to help.  Nothing beats an informed decision.  Wishing you continued success and . . .  
Thank you for the opportunity to be of service! 
Dan Finn, CPCU, CSSC
Certified Structured Settlement Consultant
Our Services

Finn Financial ServicesThe Finn Financial Group provides customized, guaranteed future income options and ancillary services to a variety of clients throughout the United States.  We pride ourselves on our commitment to the overall financial well-being of the individual. For a greater understanding of the services we provide, click on your area of interest.

For Injury Victims
We provide structured settlements for victims of personal, physical and non-physical injuries.

For Attorneys
We help attorneys meet their due diligence obligations, create and analyze proposals, conduct educational seminars, attend mediations, and structure fees - without any charge or out-of-pocket expense to the attorney or client.

For Insurance Companies
We assist insurance companies and self-insured clients by providing structured settlement illustrations and present value analyses, helping to present offers, and consulting with claims management.

For Business and Property Owners
We work with business owners, property owners, and those with certain other qualifying appreciated assets to defer capital gains in the selling process.

For Additional Services
We also offer life insurance, non-structured settlement annuities, retirement annuities, and much more.