Creative Capital

What Creative Capital does

Creative Capital Inc. (CCI) is a privately held, nationwide structured settlement consulting firm headquartered in East Brunswick, New Jersey, founded in 1980 as a founder of the structured settlement industry. The firm partners with trial attorneys and personal injury law firms to design, negotiate, and document structured settlement arrangements, periodic judgments under New York CPLR Articles 50-A and 50-B, attorneys' fee tax deferrals, and mediation/negotiation strategies. Its underlying offering is the arrangement of annuity-based payment streams issued by highly rated life insurance carriers, with all consulting services delivered free of charge to attorneys and plaintiffs.

The company's core products include structured settlements, periodic judgment analysis and drafting, settlement document preparation, mediation and negotiation support, attorneys' fee tax deferrals, Medical Indemnity Fund calculations, and lien resolution/MSA allocation delivered through its sister company Precision Resolution. Its proprietary CORA (Certificate of Reliability and Assurances) affidavit — a sworn-oath certificate of transparency and accountability applied to every case — is exclusive to CCI and has been incorporated into court rules by some judges. The technology stack is fundamentally advisory and document-based rather than software-platform-based; no AI/ML capabilities are evidenced.

Creative Capital generates revenue exclusively through commissions paid by the life insurance companies that issue the underlying annuities — no fees are charged to attorneys or plaintiffs. It goes to market through a sales-led model anchored by long-tenured bar-association partnerships (NYSTLA Skyline Partner at $100K/year, AAJ Platinum Sponsor, SITLA preferred provider, NSSTA founding member) and CLE programming, with referrals flowing through professional legal networks. The firm operates with 11-50 employees and has been voted Best Structured Settlement Provider in the New York Law Journal's Best of Survey for 15 consecutive years.

Name

Creative Capital

Legal name

Creative Capital Inc.

Website

https://creative-capital.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Creative Capital is a nationwide structured settlement consulting firm founded in 1980 that partners with trial attorneys and personal injury law firms to design annuity-based settlements and periodic judgments, earning commission revenue from life insurance carriers while providing all services free to clients.

Ownership category

akta.pro rank

Product category

Structured Settlement Consulting

NAICS

Offices of Lawyers (541110), Legal Services (5411)

SIC

Services-Legal Services (8111), Life Insurance (6311)

akta.pro primary industry

Structured Settlement Annuities (FSAIACAJ)

akta.pro secondary industry

Litigation & Dispute Resolution (BPAHAAAB)

Keywords

• Structured settlement consulting
• Periodic judgment analysis
• Attorney fee deferrals
• Settlement document drafting
• Lien resolution services

Headquarters

HQ city

East Brunswick

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Annuity Commission Revenue: Creative Capital provides all structured settlement services free of charge to attorneys and their clients. Revenue is generated through commissions paid directly by the life insurance companies that issue the annuities used in structured settlements. This model aligns incentives - the company is compensated by the insurance providers, not by adding costs to the settlement.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Creative Capital provides structured settlement consulting to trial attorneys and law firms, designing customized annuity-based payment streams for plaintiffs using products from highly rated life insurance carriers. The firm also drafts periodic judgments under New York CPLR Articles 50-A and 50-B, prepares settlement documents, supports mediations and negotiations, handles attorneys' fee tax deferrals, and offers lien resolution and MSA allocation through its sister company Precision Resolution. All structured settlement services are provided free of charge to attorneys and plaintiffs, with the firm compensated through insurance carrier commissions.

Product overview

Creative Capital is a nationwide structured settlement consulting firm and founder of the structured settlement industry, offering a comprehensive suite of services centered on structured settlements and related legal financial solutions. The core offerings include Traditional Structured Settlements (providing guaranteed tax-free periodic payments for plaintiffs in physical injury, workers' compensation, and employment cases), Attorneys' Fee Tax Deferrals (enabling contingent fee lawyers to defer taxes on contingency fees), Periodic Judgments under CPLR Articles 50-A and 50-B (pre/post-trial exposure analysis), Mediation and Negotiation services, Settlement Document preparation, Lien Resolution and MSA Analysis (via sister company Precision Resolution), and CLE Programs for the legal community. The proprietary CORA (Certificate of Reliability and Assurances) affidavit distinguishes their service by providing transparency and fraud protection on every case. All structured settlement services are provided free of charge to clients, with the company compensated by the life insurance companies issuing annuities.

Differentiator

Problem solved

Functional benefit

Brands

• CORA (Certificate of Reliability and Assurances): A structured settlement affidavit developed by CCI that provides transparency and accountability, protecting clients from fraud and misrepresentation.

Products and services

• Structured Settlements Provides plaintiffs with scheduled, guaranteed payments from highly rated life insurers over time, delivering tax-free benefits and protection from market volatility. Used in physical injury cases, workers' compensation claims, and employment cases.
• Attorneys' Fee Tax Deferrals A tax strategy enabling contingent fee lawyers to defer their contingency fees into future periodic payments, providing tax-deferred income similar to an uncapped 401(k) plan. Allows attorneys to spread tax liability over time and create guaranteed income streams.
• Periodic Judgments (CPLR 50-A & 50-B) Pre- and post-verdict analysis that measures present value and potential exposure before trial and the actual cost after trial. Converts verdicts into judgments under New York CPLR Articles 50-A and 50-B, demonstrating the multiplier effect on defense exposure.
• Mediation & Negotiation Settlement negotiation services where CCI presents exposure-based analysis to defendants, carriers, mediators, and JHOs to achieve favorable settlements for plaintiffs through the Creative Approach.
• Settlement Documents Drafting, reviewing, and revising various settlement documents and proposed orders to ensure compliance with all tax and legal requirements, including general releases, infant compromise orders, and court orders.
• Lien Resolution & MSA Analysis Lien resolution services and MSA (Medical/Settlement) allocation analysis provided through sister company Precision Resolution to ensure fair treatment of all settlement components.
• Medical Indemnity Fund (MIF) Calculations Expert preparation and explanation of Medical Indemnity Fund settlement calculations for cases involving minors and catastrophically injured plaintiffs in New York State.

Quantifiable outcome

• Over 7,000 cases handled for NYSTLA members over 20-year partnership
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and minor.

• New York State Trial Lawyers Association (NYSTLA)coreGTM or Marketing Partner · 1 January 2023Creative Capital has been a Partner for Justice with NYSTLA for 20 years (since 2003). They are NYSTLA's longest-tenured Structured Settlement Partner and current Skyline Partner contributing $100,000/year. The company has assisted NYSTLA members in over 7,000 cases. CCI team members serve as faculty for NYSTLI CLEs, author articles for NYSTLI BOP, and serve on NYSTLA task forces.
• National Structured Settlement Trade Association (NSSTA)coreStrategic or Co-development Partner · 1 January 2021Creative Capital is a founding member of NSSTA. The company participates in industry initiatives, including efforts related to Department of Justice cases and structured settlement standards.
• Staten Island Trial Lawyers Association (SITLA)coreGTM or Marketing Partner · 1 January 2020Creative Capital is a proud sponsor and the preferred Structured Settlement Provider of SITLA. The company celebrated SITLA's 57th anniversary gala.
• American Association for Justice (AAJ)coreGTM or Marketing Partner · 1 January 2020Creative Capital launched as a Platinum Sponsor of AAJ, supporting their mission and members. The company has been involved in cases across AAJ's membership and continues support of the civil justice system.
• Brain Injury Association of America (BIAA)minorGTM or Marketing Partner · 1 January 2014Creative Capital is a supporter of BIAA and contributed to their Spring 2014 issue. VP Martin Jacobson authored an article on TBI financial security published in BIAA's THE Challenge! magazine. Company sponsored and participated in BIAA webinars.
• Precision ResolutioncoreStrategic or Co-development PartnerPrecision Resolution is Creative Capital's sister company providing lien resolution and MSA (Medical-Surgical Analysis) allocation services. This partnership extends CCI's service offerings to provide comprehensive settlement solutions.
• American Association of People with Disabilities (AAPD)minorGTM or Marketing PartnerCreative Capital is a supporter of AAPD, working to ensure plaintiffs and attorneys are provided with structured settlement solutions.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• MetLife Structured Settlements: One of the largest life insurance carriers issuing structured settlement annuities, sitting on the other side of the transaction from CCI as a carrier counterparty and indirect competitor for the underlying placement.
• Prudential Financial Structured Settlements: Major life insurer with a structured settlements division that issues annuities behind many plaintiff settlements, functioning as a key counterparty and an indirect competitor through its in-house brokerage affiliates.
• Berkshire Hathaway Specialty Insurance: Broader specialty insurance arm that has historically been active in structured settlement transactions through Berkshire's life and annuity affiliates, competing for carrier-side placements behind CCI's transactions.

Direct peers

• Ringler Associates: Largest and most established structured settlement consulting firm in the US, competing head-to-head with Creative Capital on plaintiff-side structured settlements, periodic judgments, and annuity placements for trial attorneys nationwide.
• Sage Settlement Consultants: Plaintiff-side structured settlement consultancy offering settlement planning, annuity placement, and attorney fee deferrals; competes directly with CCI for the same trial lawyer customer base.
• Structured Financial Associates: Direct competitor providing structured settlement consulting, attorney fee deferrals, and trial exhibit services to plaintiff attorneys across multiple states, closely overlapping CCI's core service offering.
• Delta Settlement Planning: Plaintiff-focused structured settlement consultancy providing mediation support, settlement document drafting, and annuity placements comparable to CCI's services.
• National Structured Settlements: Nationwide structured settlement provider offering plaintiff-side consulting, mediation support, and annuity placements; directly comparable on service breadth and target customer to CCI.
• Anchor Planning: Structured settlement firm providing consulting and annuity-based solutions to plaintiff attorneys, often cited alongside Creative Capital in plaintiff-bar rankings and CLE programs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/CCI_Structures
• YouTubeyoutube.com/channel/UCli72YU-F7k4wp_glNWjkhg/featured
• LinkedInlinkedin.com/company/creative-capital-inc-

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 Creative Capital