That the sale of a each structured settlement payment is unique and should be tailored to meet a person’s specific needs. Further that there is no “one size fits all formula”. And the best advice to give any potential seller of payment stream is to become as educated as possible about the process and the nature of the transaction and to obtain proper representation to assist in the sale. This advice is mirrored in all States’ structured settlement protection acts which either strongly recommend and/or mandate that a seller obtain the services of an expert, to wit, an independent professional advisor, to assist in a sale a payment stream.