Structured Settlements built to keep pace
time is an asset
Markets move up and down year to year. But over the decades a settlement actually spans, time turns volatility into the claimant's advantage.
The modern approach to settlement structures
Everyone at the table wants to do right: the consultant for the attorney, the attorney for their client. Prospera helps them get there, with market-based structures designed to grow the settlement instead of letting it erode.
Consultant
Plaintiff Attorney
Defense
Claimant
Bring more to the table
Your clients rely on you to find the right solution for every case. Prospera expands your toolkit with market-based structures that complement traditional annuities, supported by the expertise and resources to help you put them to work.
Consultant
Plaintiff Attorney
Defense
Claimant
Bring more to the table
Your clients rely on you to find the right solution for every case. Prospera expands your toolkit with market-based structures that complement traditional annuities, supported by the expertise and resources to help you put them to work.
Built to suit
Choose how the money is invested
Choose how the money is invested
The market-based portion of a settlement can be invested three ways. Each one sits alongside a fixed annuity.
The market-based portion of a settlement can be invested three ways. Each one sits alongside a fixed annuity.
The market-based portion of a settlement can be invested three ways. Each one sits alongside a fixed annuity.
Growth Structured Settlements
Mutual funds
Set the strategy once. Funds from Vanguard and BlackRock do the rest.
Growth Structured Settlements
Mutual funds
Set the strategy once. Funds from Vanguard and BlackRock do the rest.
Growth Structured Settlements
Mutual funds
Set the strategy once. Funds from Vanguard and BlackRock do the rest.
Settlements Plus
Model portfolios
NorthCoast portfolios matched to the time horizon, from balanced to aggressive growth.
Settlements Plus
Model portfolios
NorthCoast portfolios matched to the time horizon, from balanced to aggressive growth.
Settlements Plus
Model portfolios
NorthCoast portfolios matched to the time horizon, from balanced to aggressive growth.
Settlements Plus
With your advisor
An advisor of your choosing manages the account under an Investment Policy Statement.
Settlements Plus
With your advisor
An advisor of your choosing manages the account under an Investment Policy Statement.
Settlements Plus
With your advisor
An advisor of your choosing manages the account under an Investment Policy Statement.
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. |
Settlements Plus (SP)Managed portfolios from NorthCoast Asset Management Learn about SP → | ||
| 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. |
Settlements Plus (SP)Advisor managed Learn about SP → | ||
| 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. |
For informational purposes only; not a recommendation. Investing involves risk, including possible loss of principal, and there is no assurance that any investment option will achieve its objectives. Asset allocations are approximate and may change. Time horizons are general illustrations, not personalized advice. Past performance does not guarantee future results. Tax treatment depends on individual circumstances. Consult your own tax, legal, and financial advisors.
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. |
Settlements Plus (SP)Managed portfolios from NorthCoast Asset Management Learn about SP → | ||
| 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. |
Settlements Plus (SP)Advisor managed Learn about SP → | ||
| 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. |
For informational purposes only; not a recommendation. Investing involves risk, including possible loss of principal, and there is no assurance that any investment option will achieve its objectives. Asset allocations are approximate and may change. Time horizons are general illustrations, not personalized advice. Past performance does not guarantee future results. Tax treatment depends on individual circumstances. Consult your own tax, legal, and financial advisors.
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. |
Settlements Plus (SP)Managed portfolios from NorthCoast Asset Management Learn about SP → | ||
| 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. |
Settlements Plus (SP)Advisor managed Learn about SP → | ||
| 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. |
For informational purposes only; not a recommendation. Investing involves risk, including possible loss of principal, and there is no assurance that any investment option will achieve its objectives. Asset allocations are approximate and may change. Time horizons are general illustrations, not personalized advice. Past performance does not guarantee future results. Tax treatment depends on individual circumstances. Consult your own tax, legal, and financial advisors.
THE PROSPERA ILLUSTRATOR
Don't just imagine your future. See it.
1. Define
2. Design
3. Refine
Step 01
Define the
Amount
Enter the amount and relevant case details
Set the deferral period
Establish the starting point for your structure
For illustration only, using sample inputs. Actual results will vary.
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.
How established are market-based structures?
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.
What about market risk?
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 by an assignment company in dedicated investment accounts through third-party master custodial relationships, separate from Prospera’s operating assets. The underlying investments are managed by established asset managers.
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.
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.
How established are market-based structures?
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.
What about market risk?
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 by an assignment company in dedicated investment accounts through third-party master custodial relationships, separate from Prospera’s operating assets. The underlying investments are managed by established asset managers.
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.
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.
How established are market-based structures?
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.
What about market risk?
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 by an assignment company in dedicated investment accounts through third-party master custodial relationships, separate from Prospera’s operating assets. The underlying investments are managed by established asset managers.
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.
Feel Connected
Imagine what we
could do together.
Take advantage of institutional-grade structures for your settlement.
Feel Connected
Imagine what we
could do together.
Prospera Market Strategies create market-based structures that turn simple settlements into meangful legacies.
Feel Connected
Imagine what we
could do together.
Prospera Market Strategies creates market-based structures that turn simple settlements into meangful legacies.