Ringler Associates

What Ringler Associates does

Ringler Associates, Inc. is the largest U.S. structured settlement planning company, founded in 1975 and headquartered in Newport Beach, California. The firm designs customized settlement plans that convert injury-related legal awards into tax-free periodic payment streams funded by annuities issued by top-rated life insurance carriers (American General, MetLife, Prudential, New York Life, Pacific Life, USAA, Mutual of Omaha, and Berkshire Hathaway). Its service stack includes life care planning, sophisticated damage analysis, Medicare Set-Aside allocation, and special needs trust structuring — capabilities the firm says it pioneered within the structured settlement industry. Since inception, Ringler consultants have reportedly placed more than $33 billion in annuity premiums across 228,000+ settlement plans and participate in roughly one-third of all U.S. structured settlements annually.

Ringler distributes its services through a network of 170+ independent consultant-owners operating across 70 offices in 70 cities nationwide, supported by a corporate team of approximately 100 additional professionals covering finance, marketing, IT, HR, and operations. Revenue is generated via commissions paid by insurance carriers on annuity sales; in most cases, claimants pay no fee for consulting services. The go-to-market motion is consultative and relationship-driven, with consultants embedded in local attorney and insurance adjuster networks and supported by the Ringler Radio podcast, Ringler Insights publication, and a state-by-state consultant directory. The customer base spans injured individuals and their families, plaintiff and defense attorneys, insurance carriers, and Medicare/Medicaid recipients requiring benefits-protective structuring.

The firm is privately held with no public revenue disclosure and no parent company. Leadership transitioned in 2023 with Gerardo Monroy appointed President and CEO (succeeding interim CEO Peter Jachym) and Brian M. Farrell, Jr. named Chairman succeeding Ross Duncan. Ringler is an active member of the National Structured Settlement Trade Association (NSSTA) and supporter of the American Association of People with Disabilities, anchoring its advocacy and industry positioning.

Name

Ringler Associates

Legal name

Ringler Associates, Inc.

Website

https://ringlerassociates.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

251–500 employees

Short description

Ringler Associates is the largest U.S. structured settlement planning company, designing tax-free annuity-based payment plans for injury victims across 70 offices nationwide since 1975.

Ownership category

akta.pro rank

Product category

Structured Settlement Planning Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Structured Settlement Annuities (FSAIACAJ)

Keywords

• Structured settlement planning
• Structured settlement annuities
• Settlement consulting services
• Medicare set-aside planning
• Life care planning

Headquarters

HQ city

Aliso Viejo

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Annuity Commission Revenue: Ringler consultants are compensated via commissions from the sale of structured settlement annuities and other investment products. The annuity providers (insurance companies) pay the consultant fees as part of the settlement transaction. This is a commission-based model where client services are free to the injured party.
2. Consultant Services: In most cases, if a lawsuit is resolved with a structured settlement, the consultant's services are paid by the financial institution that guarantees the future payments. No fees are charged directly to the client.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Ringler Associates is a professional settlement planning company that helps injury victims, plaintiff attorneys, and insurance professionals structure legal settlements through tax-free structured settlement annuities issued by top-rated life insurance companies. Its independent consultants provide objective, customized settlement plans, life care planning analysis, and Medicare/Medicaid compliance (including Medicare Set-Asides and special needs trusts), coordinating with all parties at the settlement table to deliver long-term, guaranteed payment streams instead of lump-sum payouts.

Product overview

Ringler Associates offers a unified settlement planning platform built around structured settlement annuities—the core financial product. The company's main offering is structured settlement planning services for injured people, with specialized modules for Medicare and Medicaid planning, attorney settlement services, and insurance professional services. Supporting offerings include the Ringler Radio podcast series, and various tools and resources including illustrations and calculators. The platform is fundamentally a service-based model, not a software product, and does not operate on a modular software architecture.

Differentiator

Problem solved

Functional benefit

Brands

• Ringler Radio™: Award-winning podcast series from Ringler covering settlement industry news, nationwide litigation, trends in legal and insurance industries. Producing the podcast since 2005 with over 2.5 million listeners.
• Ringler Insights

Quantifiable outcome

• 57% of lump-sum recipients had nothing left after just a few years, compared to guaranteed structured settlement payments
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• American General Life CompaniescoreTechnology or IntegrationAmerican General Life Companies provides structured settlement annuity products that fund Ringler settlement plans. Ringler works with American General and other major life insurance companies to provide guaranteed, tax-free payment streams for injured parties.
• MetLifecoreTechnology or IntegrationMetLife issues structured settlement annuities that back Ringler settlement plans. Ringler recommends annuities backed by top-rated life insurance companies including MetLife.
• Prudential FinancialcoreTechnology or IntegrationPrudential provides structured settlement annuity products as part of Ringler's network of top-rated life insurance company partners.
• New York LifecoreTechnology or IntegrationNew York Life Insurance Company is one of the major life insurance companies providing annuity contracts that fund Ringler structured settlement plans.
• Pacific LifecoreTechnology or IntegrationPacific Life provides structured settlement annuity products through Ringler's national network of settlement planning consultants.
• USAAcoreTechnology or IntegrationUSAA provides structured settlement annuity products that complement Ringler's settlement planning services for military-affiliated and other clients.
• Mutual of OmahacoreTechnology or IntegrationMutual of Omaha is among the top-rated insurance companies whose annuity products fund Ringler structured settlement plans.
• Berkshire HathawaycoreTechnology or IntegrationBerkshire Hathaway insurance subsidiaries provide structured settlement annuity products as part of Ringler's network of highly-rated insurance company partners.
• National Structured Settlement Trade Association (NSSTA)minorOthersRingler supports and participates in NSSTA as part of its advocacy priorities, connecting with industry peers and advancing the structured settlement profession.
• American Association of People with Disabilities (AAPD)minorOthersRingler supports the AAPD as part of its advocacy priorities, demonstrating commitment to disability rights and ensuring injured people have access to fair settlement solutions.

Scale indicators10 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Structured Financial Associates: One of the largest independent structured settlement broker firms in the US, directly competing with Ringler for plaintiff attorney, defendant carrier, and claimant relationships. Former employer of Ringler's current National Director of Marketing Andrea Haupert, indicating direct talent and market overlap.
• Alliant Structured Settlements: National independent structured settlement consulting firm placing annuities from major life carriers for personal injury and workers' comp claimants. Competes head-to-head with Ringler in the same consultant-driven, commission-based distribution model.
• Independent Life Settlements / Sage Settlements: Independent structured settlement and life insurance consulting firm serving plaintiff attorneys and injured claimants. Operates in the same annuity-brokerage category with comparable carrier relationships and consultant-driven GTM.
• BidRx Settlements / The Settlement Alliance: Multi-firm alliance of independent structured settlement consultants providing services comparable to Ringler's network model. Competes for the same plaintiff and defense bar relationships with a collective national footprint.
• OMS National Structured Settlements: Independent structured settlement broker with national reach placing annuities for injured claimants. Competes directly with Ringler for plaintiff attorney relationships and workers' compensation settlement planning mandates.

Broad incumbents

• MetLife Structured Settlements: One of Ringler's largest carrier partners, MetLife also issues structured settlement annuities directly and competes with Ringler for placement influence. Represents both a partnership and competitive overlap as a major insurance carrier with in-house settlement capabilities.
• Prudential Financial Structured Settlements: Major annuity issuer and Ringler partner, Prudential operates structured settlement business lines that both supply Ringler and compete for direct carrier placement. Represents the broad incumbent insurance carrier model overlapping with Ringler's broker function.
• Liberty Mutual Structured Settlements: Large national carrier with its own structured settlement desk (formerly Liberty Life), employing former Ringler executives. Operates both as carrier partner and direct competitor in carrier-side structured settlement placements.

Others

• National Structured Settlement Trade Association (NSSTA): Industry trade association of which Ringler is an active member and in which multiple competing structured settlement brokers participate. Represents the broader competitive ecosystem and regulatory advocacy environment for the category.

Emerging players

• Medicare Set-Aside Allocator / Ametros: Specialized MSA administration and settlement planning company focused on Medicare Set-Aside arrangements — directly adjacent to Ringler's Medicare/Medicaid planning services. Represents an emerging technology-enabled specialist in a Ringler service line.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks4 records

Customer concentration

• YouTubeyoutube.com/user/RinglerAssociates/videos
• Facebookfacebook.com/RinglerAssociates
• LinkedInlinkedin.com/company/43180
• Instagraminstagram.com/ringlerassociates
• Xx.com/RinglerUS

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ringler Associates