Timing and income
Consider near-term funds, recurring income, and future payments tied to anticipated stages or expenses.
Settlements
Structured settlement guidance for plaintiffs
Build a settlement plan around the life ahead.
Work directly with licensed broker Ramtin Ghaneeian to explore payment approaches in the context of your future care, household needs, major milestones, and personal priorities.
Ramtin Ghaneeian · Licensed Broker · License #4558602
Member of Ringler & Associates
Member of Ringler & Associates
A structured settlement starts with your real needs.
A structured settlement can provide payments over time instead of distributing the entire settlement as one lump sum. The design conversation may consider immediate needs, future expenses, ongoing income, and significant dates that matter to you.
The right questions are personal. What costs are likely to continue? Which obligations need dependable timing? Where is flexibility important? Ramtin helps organize those questions and explain possible payment patterns so you can review them with your attorney and other advisors before settlement documents are finalized.
Tax treatment depends on the nature of the claim and the settlement. Federal law addresses damages received on account of personal physical injuries or physical sickness, but individual circumstances differ. Rockpoint provides general structured settlement education—not legal, tax, or investment advice.
Sources: IRS settlement guidance, 26 U.S.C. §104, and 26 U.S.C. §130.
Questions worth working through early.
A useful planning conversation looks beyond the settlement date and makes room for the details that could shape daily life for years to come.
Care and stability
Discuss ongoing care, housing, family support, education, and other priorities the settlement may need to address.
Coordinated advice
Review options with your attorney and appropriate tax, financial, benefits, or trust professionals before making a final decision.
A clear process for understanding your options.
Rockpoint’s role is to help make a complex decision easier to discuss. The work is coordinated with your legal team and adapted to the facts and timing of your case.
Start with your priorities
Ramtin listens to the needs, concerns, timing, and goals that should inform the settlement-planning conversation.
Review payment approaches
Possible schedules are organized so you can compare when payments would arrive and what each approach is intended to support.
Coordinate before finalization
The selected direction is discussed with the legal team and other appropriate advisors while settlement terms and documents are being completed.
Keep the plan understandable
You receive clear explanations of the proposed payment schedule and the questions that still need to be answered by your legal, tax, or financial advisors.
Explore guidance for your case and community.
This plaintiff hub is the foundation for a growing library of case-type, planning, and service-area resources. These topic groups make it easy to connect future guides without changing the page’s structure.
Case-type guidance
Personal injury settlements
Planning questions for settlements involving physical injury, ongoing care, and long-term household needs.
Case-type guidance
Medical malpractice settlements
Topics that may arise when future treatment, accessibility, caregiving, or life-care needs are part of the discussion.
Case-type guidance
Minors and families
A future resource path for families considering protected funds, future milestones, education, and long-range support.
Planning guides
Payment schedule options
Educational content about immediate, recurring, deferred, and milestone-oriented payment patterns.
Planning guides
Benefits and trust coordination
Questions to take to qualified benefits and trust professionals when settlement planning intersects with other resources.
Service areas
Local structured settlement guidance
Future state and city pages will connect plaintiffs with relevant educational resources and direct access to Ramtin.
Ramtin Ghaneeian
Licensed Broker · License #4558602
Member of Ringler & Associates
Direct access to a licensed broker.
Ramtin Ghaneeian is the licensed broker at the center of Rockpoint Settlements. Plaintiffs and families can speak with him directly about the settlement-planning questions they are trying to understand.
Rockpoint Settlements is a member of Ringler & Associates, pairing a personal, broker-led experience with access to broader structured settlement resources.
Request a consultationPlaintiff structured settlement FAQs
These answers are general education. The facts, documents, and advisor guidance for an individual matter control.
What is a structured settlement?+
It is an arrangement that provides periodic payments over time rather than distributing the entire settlement as a single lump sum. The timing and amount of payments are established in the settlement documents.
Can payments be designed around future needs?+
A proposed schedule can be discussed in relation to anticipated needs and dates. In a qualified assignment under federal law, periodic payments generally must be fixed and determinable as to amount and time and cannot later be accelerated, deferred, increased, or decreased by the recipient. Source: 26 U.S.C. §130
Are structured settlement payments tax-free?+
Do not assume every settlement receives the same tax treatment. Federal law excludes certain damages, other than punitive damages, received on account of personal physical injuries or physical sickness, whether paid as a lump sum or periodically. Ask your tax and legal advisors how the rules apply to your claim. Source: IRS settlement guidance
When should I speak with a structured settlement broker?+
The conversation is most useful before settlement terms and documents are final, while payment approaches can still be evaluated and coordinated with your legal team.
Does Rockpoint replace my attorney or financial advisor?+
No. Rockpoint provides structured settlement education and brokerage support. Legal, tax, investment, benefits, and trust questions should be addressed by the appropriate qualified advisors.
Who will I work with?+
You will have direct access to Ramtin Ghaneeian, Licensed Broker, License #4558602, with Rockpoint Settlements, a member of Ringler & Associates.
Bring your settlement questions into focus.
Share what you are working through and where you are in the settlement process. Ramtin will follow up to learn more and discuss appropriate next steps.