Attorney
Fee Deferral
grow what you've earned
Defer your contingency fees into a market-based structure and let them grow, tax deferred, on a schedule you determine.
Investment options
Compare every option
Mutual funds, model portfolios, and advisor-managed accounts, with the details that set them apart.
| method | Ticker / mix | Description |
|---|---|---|
Growth Structured Settlements (GSS) Learn about GSS | ||
| Vanguard | VASGX | A single, diversified fund built for long-term growth, about 80% stocks and 20% bonds. |
| BlackRock | PBAIX / BITSX / BDOIX / BMOIX | A blend of four funds for broader diversification across asset classes. |
Fee Structure Plus (FSP)Managed portfolios from NorthCoast Asset Management Learn about FSP | ||
| Balanced | 50% stock / 50% bond | Equal growth and income. Suited to a 5 to 10 year horizon. |
| Strategic Growth | 70% stock / 30% bond | Grows assets with moderate income. Suited to a 10 to 20 year horizon. |
| Aggressive Growth | 90% stock / 10% bond | Built for long-term growth. Suited to a 20+ year horizon. |
Fee Structure Plus (FSP)Advisor managed Learn about FSP | ||
| Your financial advisor | Advisor selects | An advisor of your choosing manages the account under an Investment Policy Statement that can be updated as needs change. |
[Disclosure language pending legal review. Investing involves risk, including possible loss of principal.]
FAQS
Frequently Asked + Answered
How does Prospera expand traditional settlement options?
Prospera adds market-based solutions to the traditional settlement toolkit. Cash, guaranteed annuity payments, and market-based structures can be blended to address immediate needs, provide predictable income, and create long-term growth potential.
Aren't market-based settlements new or unproven?
Market-based structured settlements are built on the same established periodic payment framework used in traditional structured settlements. Prospera combines that framework with diversified investment options from leading asset managers, bringing familiar long-term investment principles to settlement planning.
Isn't the market risky?
Market-based investments involve risk, which is why time horizon and diversification matter. Prospera can blend guaranteed annuity payments for near-term needs with diversified, market-based investments positioned for longer-term growth. This allows the market-based portion to remain invested over a longer horizon, helping manage short-term market volatility while creating greater growth potential over time.
Can I combine this with a traditional annuity?
Yes. Prospera can blend guaranteed annuity payments with market-based investments to address different needs over time. Annuities can provide predictable income for near-term needs, while the market-based portion can remain invested for longer-term growth potential. Together, they create a more flexible approach tailored to the individual settlement.
What happens to my funds if something happens to Prospera?
The structure is designed for long-term continuity. Assets are held in dedicated investment accounts established to fund scheduled payments and are separate from Prospera’s operating assets. The underlying investments are managed by established asset managers, and Prospera is institutionally backed to support long-term stability and continuity.
Does Prospera work with my settlement consultant or broker?
Yes. Prospera works through the settlement professionals you already rely on, not around them. Our solutions expand the options available to your consultant, giving them more ways to build a settlement strategy around your immediate and long-term needs.
