GREENPOINT · SETTLEMENTS × RENAISSANCE · FINANCIAL
A tutorial for plaintiff lawyers

Structures for Lawyers:
A Tutorial.

Attorney fee deferral. Injury recovery structures. Administered via the Prospera Fee Structure Plus℠ platform. Pre-tax compounding for the lawyer; tax-free periodic payments for the injury victim — two structures that close at the same moment, into the same release.

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[Advisor Name], Senior Wealth Advisor
advisor@renaissancefinancial.com · (555) 123-4567
Four sections — start anywhere, or follow in order
The problem

Successful contingency practices produce lumpy taxable income — here's where it goes.

~50%
Combined marginal tax rate on a top-bracket contingent fee in a high-tax state.
$0.50
Working dollars left per $1 of fee, after federal and state tax, before investing.
−140 bps
Annual drag on after-tax compounding from ongoing tax on dividends and realized gains.

The dollars that survive the tax bite compound at a permanently slower rate in a taxable account. There's another option.

The two structures

Two structures. One settlement. Both close at the same release.

For your clients
Injury victims receive tax-free periodic payments over time, tailored to specific needs.
For their clients
You differentiate at intake. Outcomes drive referrals. Reputational compounding.
For you
Pre-tax compounding on contingency fees over an 18+ year horizon.

A win for your clients. A win for their clients. A win for you.

Part One

Maximize Expected Proceeds on Contingency Fees

Childs-method fee deferral preserves the full pre-tax base and compounds it under your investment policy for an 18+ year horizon. The open-architecture FSP tier hits $5.92M on a $1M fee at 20 years, versus $2.29M for the same fee taken as cash and equity-invested.

Read the full tutorial
Part Two

Optimize Injury Recovery Structure

§104(a)(2) excludes the entire payment stream — principal and growth — from federal and state tax for the full life of the annuity. Four default-fit case types: minor settlements, catastrophic injury, wrongful death, and MSA-funded workers' comp.

Read the full tutorial
The integrated picture

A win for everyone at the table.

Lawyer
Fee deferred under Childs
Pre-tax compounding, 18+ year horizon
Settlement
Injury victim
Recovery structured under §104(a)(2)
Tax-free periodic payments for life
Renaissance Financial
Manages the deferred dollars
Open architecture, ~2× wallet share, sticky AUM
Plaintiffs firm
Client acquisition and reputational compounding
Structured offerings differentiate the firm; outcomes drive referrals
Next steps

Two steps. One immediate, one standing.

IMMEDIATE

Case-specific illustration

Identify one upcoming fee event in the next 60–90 days. We model the deferral against your actual numbers — fee size, horizon, projected investment policy, target receipt year — and return a tailored projection with your numbers in it.

STANDING

Pre-mediation case review

Every future significant matter on your docket gets a 30-minute review with Greenpoint, in advance of mediation, before the parties paper anything that creates constructive receipt. Designed in parallel; papered into the release together.