P R O T E C T Y O U R C L I E N T ’ S F U T U R E . To d a y . To m o r r o w . F o r Ye a r s t o C o m e .

“Expertise, Compassion, and Care for Those Who Need it Most.”

OUR PROMISE TO YOU...

Not many things in life are guaranteed...

but in a world of uncertainty, volatile investment markets, and ever-increasing longevity it is possible

to obtain the security and protection of a guaranteed income...

for life.

As the country’s leading and fastest growing plaintiff-based structured settlements provider,Millennium Settlement Consulting recognizes that whatever one’s personal settlement needs require, every successful outcome begins with a comprehensive plan.

Extraordinary Needs Require Extraordinary Solutions

Injuries and catastrophic events are traumatic and destabilizing. We work with plaintiffs to tailor a financial plan to secure income, medi-cal care, education, retirement and other future financial needs.

With Millennium at your side, you can help your clients plan more, control more, and expect more...for life!

WHAT IS A STRUCTURED SETTLEMENT?

The ultimate solution for ensuring peace of mind and financial security...

It is the freedom to live life without the doubt of what tomorrow may bring.

A structured settlement is a voluntary agree-ment reached between an injured party and the defendant during the settlement process. The claimant / plaintiff receives guaranteed tax-free periodic payments designed to meet his or her unique financial needs.

The structured settlement is issued by either a highly-rated life insurance company or a trust company.

The specific tax rules of a structured settlement are governed by Section 104(a) and Section 130 of the Internal Revenue Code. Once a settlement agreement is reached, it is irrevocable. As every individual and case is unique, it is essential to seek appropriate legal and financial advisement.

“Powerful Protection for the Road Ahead.”

IMPORTANT BENEFITS

Benefits to structuring personal injury settlements:

• Custom-designed guaranteed payments are funded by the safest investments possible - life insurance company annuities and United States Treasuries. The injured party can be confident and trust that he or she will have the money they need to fund their future financial and medical needs. • The full amount of the settlement award is tax-free - exempt from federal and state income taxes under 104(a) of the IRS Code. The future periodic payments are based on a fixed guaranteed rate and flow tax free to the recipient. (Conversely, if the injured party were to accept and invest the payment on their own then the potential gains must be reported as taxable income.) • The injured party receives payments over time based on a unique plan developed to meet all future financial and medical needs. • Injured parties have the ability to remain eligible for government means-tested programs.

WHAT YOU SHOULD KNOW

Q: What cases are best suited for structured settlements?A: Structured settlements may be ideally suited for cases involving the following: • Temporarily or permanently disabled plaintiffs or claimants • Guardianship cases, including minors or disabled • Wrongful death cases to help supplement the monthly income for the surviving spouse and/or children • Severe injury (especially with long-term needs for medical care, living expenses, and support of family) • Workers’ compensation disability, Medicare Set-Asides, and fatality claims

Q: What’s the difference between a structured settlement and accepting a lump sum and investing the cash on my own?A: The growth you will receive by investing the settlement money yourself is reportable taxable income. Structured Settlements provide tax-free growth.

Q: Are structured settlements only available in monthly annuities?A: No. Every structured settlement is designed specifically to meet the needs of the injured party. This may include a combination of: • Up-front Cash: A payment made at the time of the settlement made directly to the plaintiff • Monthly Annuity: Annuity paid out on a monthly basis to help assist with routine, on-going expenses • Lump Sum Annuity: Payment designed to take care of non-routine expenses that may occur in the future • The design of the payments is very flexible and may include a combination of all of the above.

“Powerful Protection for the Road Ahead.”

OUR EXPERTISE

Structured Settlements

We offer structured settlement annuities to guarantee the plaintiff a protected stream of tax free payments tailored to his or her specific needs.

In addition to settlements for personal injury cases, Millennium offers solutions for taxable settlements and other transactions. Non-qualified structured settle-ments offer the plaintiff / claimant tax deferral and customized timing of pay-ments. This product applies to the following types of cases: employment cases, wrongful imprisonment, business/real estate sales, punitive damages, divorce, and celebrity endorsements.

Attorney Fee StructuresMillennium provides several options for attorneys who want to defer income and taxes - from traditional structured settlement annuities to proprietary programs that offer market-related returns. Our consultants are truly the experts on attorney fee structuring.

Types of Structured Attorneys Fees

Structured Settlement AnnuityEach payment is fixed and determined at the time the structure is established during the settlement. The funding vehicle is an annuity from highly rated life insurance companies.

Treasury Funded Structured Settlement (TFSS)TFSS is similar to the structured settlement annuity, but it is funded with Unit-ed States Treasuries rather than an annuity. This option is ideal for the attorney who wants to structure fees and defer the income and taxes but is looking for a funding vehicle backed by United States Treasuries.

Enhanced Attorney Fee Structure (EAFS) EAFS is also a structured settlement, but it allows the attorney to invest the fee in one or several pre-selected Vanguard Life-Strategy Funds that are adminis-tered by Midwest Trust. This program is for the attorney who is looking for a potentially higher internal rate of return and desires more control over how his or her money is invested.

Fee Structure Plus (FSP) FSP is a similar product to EAFS in that it allows the attorney to invest their fee in order to attempt to realize market related returns. With FSP, the attorney has the flexibility to allow the funds to be managed by their own personal fi-nancial advisor or by an established and reputable trust company that has been designated for the program.

Millennium Settlement Consulting® is unique in the industry.

Through our extensive case preparation and litigation support services, we customize

each settlement plan to protect our clients’ financial futures.

With Millennium, our clients can plan more, control more,

and expect more…for life!

OVER 30 YEARS OF EXPERIENCE AT WORK...FOR YOU.

Annuity Cost Evaluations

Millennium will analyze settlement proposals to deter-mine the defendant’s cost to fund illustrated benefits. Un-derstanding the exact cost is crucial in determining the adequacy and competitiveness of a settlement proposal.

Financial Needs Analysis

We develop a complete financial assessment of the plain-tiff’s immediate and long-term financial needs enabling us to tailor a financial plan that meets those needs.

Mediation Attendance

We attend mediation and settlement conferences to assist plaintiff’s counsel during the negotiation process to fulfill council’s obligation to advise the plaintiff regarding his or her financial options.

Present Value Calculations

We evaluate, compare, and calculate values in present val-ue vs. future values over time, adding clarity and insights to the case valuation process.

Life Care Plan Analysis

Millennium will analyze available life care plans to help match the desired benefits with the anticipated medical needs of the client. This analysis also aides plaintiff’s counsel with the settlement negotiations.

OUR SERVICES

Millennium Settlement Consulting - Leading the Waywith the Most Comprehensive Advisory Services

and Financial Solutions in the Industry.

“Experience You Can Trust...

The Respect You Deserve.”

Access to Highly Rated Life Insurance Companies

Millennium represents highly rated life insurance and trust companies participating in the structured settlement industry. We provide in-depth information regarding the financial condition and ratings of all life insurance com-panies proposed.

Special Needs Trust and Pooled Trust Advisement

Millennium partners with the field’s leading experts in the creation and implementation of settlement trusts. We will assist counsel to avoid the legal malpractice pitfalls con-cerning the implementation of these trusts.

Medicare Set-Asides

Medicare Set-Asides are becoming more commonplace in both worker’s compensation and liability cases. Millen-nium’s consultants can effectively help plaintiff’s counsel navigate the rules surrounding Medicare Set-Asides.

Qualified Settlement Funds (QSFs)

Simply described, Qualified Settlement Funds (QSFs) al-low plaintiff attorneys to settle a case for cash while still preserving the claimants’ rights to receive tax-free treat-ment on future benefits if created through the purchase of a settlement annuity without violating the Constructive Receipt Doctrine. Any case involving multiple claimants or claims can be a candidate for a QSF.

Complete Document Preparation & Review

Millennium will review the Settlement Agreement and Release to ensure that the necessary language protecting the claimant’s tax-free interests are preserved. We will prepare all assignment forms in the event that the defen-dant agrees to make a qualified assignment pursuant to Section 130 of the Internal Revenue Code. While we do not provide legal advice, we have extensive experience with all the necessary documents and key provisions that should be included in a structured settlement transaction.

LIFE AFTER TRAGEDY

“My husband, Robert, was in a catastrophic motorcycle accident and spent two weeks in in-tensive care prior to passing away. Not only did Robert leave me behind, but also he left our son, Gage, who was three years old at the time. Fi-nancial worries of how I would be able to afford to raise a child as a single mother quickly over-came me. These fears were just as quickly put to rest when a friend who experienced a similar loss told me about Millennium Settlements. Millennium Settlements remained by my side throughout the entire legal process that ulti-mately led to the settlement of Robert’s case. My settlement consultant went through all of the possible financial scenarios that could arise throughout Gage’s lifetime and what we could do to help ensure his financial stability. One of the best decisions I have made for my son has been establishing a structured settlement. When Gage turns 16, he will have enough money to buy a car. At 18, he will start receiving payments to help fund his college education, and Gage will eventu-ally receive a lump sum payment to buy a house. Millennium Settlements has truly allowed me not to worry about my son’s financial future. When you’re going through the aftermath of a loved one being involved in a catastrophic event, it’s an overwhelming feeling not knowing what to do with the money and to make sure you’re doing the right thing. Millennium Settlements stepped in and gave me the financial answers and security

I was looking for.

-Hillary M., Jupiter, Florida

Security in the Midst of Uncertainty...

Self-Confidence and Control...

After my accident, I had to endure almost two years of legal bat-tles before reaching a settlement. It’s hard to describe the constant emotional toll from this process. It drains you physically and emo-tionally. I chose a structured settlement because it was the best way to fund my rehabilitation and guarantee that I’ll have enough money to raise my kids properly. There’s a tremendous self-confi-dence that builds inside you when you know that you can control your future through these guaranteed payments. Self-confidence and control — that’s what my structured settlement means to me.

- Todd H., Minneapolis, MN

Ability to Live Your Life...

Everything with our structured settlement is in place thanks to your expertise and professionalism. You were great to work with and helped to guide us through the little known waters. Kim, our two kids, and I are most appreciative and ready to get on with our lives. Thanks so much again.”

- Lee S., Moultonborough, NH

PROTECTION & SAFETY

“Let’s face it: life is unpredictable. That’s why when it comes to securing a client’s financial future, struc-tured settlements, as part of a comprehensive finan-cial plan, can bring a client the security they need for the long haul. Clients can rest assured their assets are being handled in an ethical, secure and tax-ad-vantaged manner, all while having their fiscal needs and desires met. Millennium Settlements is there to ensure even the most modest of settlements are funded so the recipients have the financial protec-tion they require and can look forward to a secure economic future.”

- John Romano, Esq. The Romano Law Group

My clients were very complimentary about your ef-forts and services during their settlement negotia-tions. You took time with them and explained every-thing in a way that they could understand. You made them very comfortable with the entire settlement planning process and you took your time and never made them feel rushed. It was comforting for me to be able to spend time mediating their case knowing that you were covering the ins and outs of struc-tured settlements and helping us all make decisions that were in the clients’ best interest. Once again thank you for a job well done. When my clients are happy it makes my job that much easier!”

- John Alpizar, Alpizar Law

For the Road Ahead...

“Millennium Settlements assisted me in the $1M settlement of a wrongful death claim of an elderly woman. She left twelve grown children, some of whom decided to take advantage of a structure and others who did not. [Millennium] assisted me in clearly explain-ing the program and its advantages to the siblings, some of whom were overseas and some of whom had language and educational is-sues. [The Millennium Consultant’s] patience and expertise were a truly valuable asset to me through the case. He helped analyze the defense’s structure offers, reducing them to today’s dollars. Addition-ally, he assisted in structuring attorneys’ fees, saving me substantial tax dollars. I would recommend him to anyone who wants an expert in the area of structured settlements and who is very sensitive to individual client and attorney’s needs.”

Jerrold M. Bodow, Esq.The Law Office of Jerrold M. Bodow, A.P.L.C.

“[Millennium’s advisors] are ardent supporters of the plaintiff bar community, and we consider them an integral part of our team.”

- Brian Panish, Esq. Panish, Shea & Boyle, LLP

“With an extraordinary commitment and exceptional qualifications, Millennium’s financial specialists served as an invaluable resource on my legal team.”

- Donald M. Hinkle, Esq. Hinkle & Foran, P.A.

PART OF YOUR TEAM

Accidents can change people’s worlds in seconds—leaving them catastrophi-

cally injured—perhaps indefinitely in a wheelchair or with the life-long need

of assisted care. The Millennium Angel Foundation is an exclusively chari-

table organization of structured settlement industry professionals committed

to raising funds to be allocated to individuals with extraordinary needs.

Working in the structured settlement industry is already very rewarding as

each day we strive to help individuals who have been catastrophically injured.

We aim to maximize financial returns for these individuals, so that they and

their families have the opportunity to live as comfortably as possible given

whatever unfortunate circumstance they have gone through.

The Millennium Angel Foundation was established in 2009 as a way to

better serve injured victims beyond what we do everyday. The purpose of the

foundation is to raise money for a foundation fund which will then be al-

located to injured victims who are not fortunate enough to support themselves.

The foundation is funded by generous contributors, including participating

settlement consultants and employees who have dedicated a portion of their

commission dollars and salaries.

We hope that through fund raising, donations, and partnerships with other

charitable organizations, we will be able to spread national awareness and

shine light on the extraordinary needs of catastrophically injured individuals.

Help us help others TRANSCEND LIMITATIONS.

MILLENNIUM ANGEL FOUNDATION

WWW.MILLENNIUMANGELFOUNDATION.ORG

Millennium Settlement Consulting® is a leading provider of structured settlements. Our consultants offer clients the most comprehensive advisory services and products in the

industry designed to best serve claimants, loved ones, and caretakers.

With Millennium, our clients can plan more, control more, and expect more…for life!

WWW.M I L L E N N I U M S E T T L E M E N T S .COM

OFFICES NATIONWIDE1-800-573-8853

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