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You've got questions

We've got answers

You’ve got questions

We’ve got answers

Call us at (719) 687-6220

or email us at Information@CampbellFin.com

Call us at (719) 687-6220 or email us at Information@CampbellFin.com.


SS
FAQ


Is there a minimum purchase?

No. Structured Settlements come in all sorts of “shapes and sizes.” Each settlement contract stands on its own but must be purchased in its entirety. Check the Current WB Inventory or Current SMA Inventory for examples.


What happens if the original payee dies before all purchased payments are issued?

As long as the payments are not life-contingent (which is clearly specified when applicable prior to any offer to purchase being accepted), the death of the original payee does not affect the buyer’s right to continue to receive the purchased payments.


What if I am interested in purchasing life-contingent payments?

Though a few life-contingent settlements are usually listed on our website inventory, Campbell Financial Corp does not currently sell any. At this time, these specific types of settlements carry a degree of risk that is not acceptable to us. Life-contingent payment stream purchases do tend to involve a higher annualized pre-tax rate of return than guaranteed payment streams and are usually, but not always, backed by a life insurance policy to address the risk associated with payment cessation due to the death of the measuring life.


Why would someone sell an income stream?

Sometimes Structured Settlement recipients and fixed annuity owners decide that they want their future payments now instead of later. These annuity owners can sell all or part of their future payments for a discounted price thereby receiving a lump sum of cash. Their attitude is often expressed by the phrase, “It’s my money and I want it now!”


What is your minimum order quantity?

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Why would someone buy an income stream?

Individuals can buy these income streams at substantial discounts. The nature of this income alternative allows the purchaser to know the exact total income to be received as well as the  yield and the date of each payment and any future increases for inflation, if applicable. The purchaser is not buying an annuity but rather the income generated by the annuity. These types of income streams are safer due to the high credit rating of the insurance companies and the multiple layers of protection provided by state and Federal laws.


From whom would I receive payments?

The Structured Settlement owner’s rights to receive payments are transferred, by court order, to the purchaser. Thus, payments are made directly to the new owner by a US based insurance company with a credit rating that is generally rated AAA to A by major credit rating agencies.


Why should I consider purchasing structured settlement payments?

The two reasons that we believe are most compelling are (a) the payments are issued through paid-up annuities issued by insurers that are household names and that have some of the highest financial strength ratings assigned by The A.M. Best Rating Agencies, (b) payment direction to your or your designee is set forth in a court order.


What can buyers expect when it comes to pre-tax returns on their purchases?

Effective pre-tax rates of return, on an annualized basis, tend to be in the range of between 3% and 7%, depending on the dates and amounts of payments purchased. We describe returns as being on an annualized basis because yields and payment dates and amounts are fixed (e.g., non-variable). Purchasers buy specific future payments scheduled to be issued on specific dates at a discount of their stated face value.


Through what vehicles can I purchase structured settlement payments through Campbell Financial Corp?

You have a wide array of choices available to you when you work with Campbell Financial Corp. Depending on your situation, you can make your purchase individually, jointly, through an IRA, or through a trust, corporation, limited liability company, partnership, pension, or 401(k) account, just to name a few possibilities.


I’ve Never Heard Of Structured Settlements. This Seems Kind of Confusing.

If you do not appear to understand what you are seeking to buy, or you seem uncomfortable in any aspect of the decision making process then, it is not yet time to begin your search for a specific settlement. It is best to keep reviewing the new lists and the purchase process until you are comfortable. This is particularly important because certain types of income streams are in higher demand and if you are not comfortable making a quick decision you will be unable to purchase them. If you do not feel you are in a position to immediately say “Yes” or “No” regarding a Structured Settlement you may desire, then it is not yet time to begin a serious contract search.


How are structured settlement payments taxed?

While we do not provide tax or financial advice or guidance, it is our understanding that interest (i.e., yield, profit, etc.) that you receive through such a purchase is treated as ordinary income for tax purposes, so we recommend that you review your tax objectives with your independent financial advisor before making a purchase through us.


Is it possible to divest myself of future structured settlement payments after I buy those?

While the purchase is illiquid, there is a secondary market for structured settlement payments through which a buyer may be able to sell remaining future payments should the want or need to do so arise.


Now that I understand this better, I would like to take the next step. What do I do?

If you would like more information or are ready to begin the purchase process, simply contact Campbell Financial Corp at 719-587-6220 or submit a request online using any of the forms on our website.


Want to talk to someone now?

You can either fill out this form on the right, or call us directly at (719) 687-6220
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Keith Donley
Keith Donley
18:25 03 Jun 14
James and I had recently met and had a great conversation. I found his knowledge was vast and comprehensive not to mention his experience in many areas of the financial world. Even though I learned much and gained a new perspective, we both came to the conclusion that it would be better, for my circumstance, that I not use his services at this time. He thought it best for me to continue diversifying into a broader range of vehicles with emphasis on stabilization in the short term. I will touch base with him in the future after my situation smooths out and go from there. I would recommend his services to those seeking a path of safety and security.read more
Ray Barry
Ray Barry
14:21 26 Mar 14
My wife and I met James about 5 years ago at a presentation he gave concerning preserving existing capital in retirement. I was on guard, as usual, but after spending individual time with him I quickly learned of his integrity and sincere caring for prospective investors, and people in general. He spent numerous hours explaining our options, without knowing if we would decide to use any of what he had to offer; he was very patient. James is a professional, competent, and trustworthy friend to this day.read more
Ray Greenway
Ray Greenway
01:35 06 Mar 14
We have known and worked with James for over ten years. He is one of the most conscientious financial planners I have ever met. James is truly interested in helping people with retirement planning. Anyone who works with James can be assured they are working with someone who's integrity is without question and who's primary goal is to help hes clients.read more
Linda Allred
Linda Allred
16:07 25 Feb 14
In the short time that I have known and worked with James, I have found him to be a very conscientious and knowledgeable advisor. He is well informed and honest about his approach. He readily admits what he can and cannot do which is a rare quality these days in the world of financial planning.read more
Jim Thompson
Jim Thompson
22:59 23 Feb 14
I have known James for 9 years now, and his advice has been invaluable! Because of following his wise counsel beforehand, we didn’t lose any money in the great financial crash of 2008. In many other ways James has made money for us, while totally protecting our assets. He always goes the extra mile to listen carefully and then taylor a plan that meets the client’s goals and desires completely. I can’t recommend James highly enough! Jim Thompson/ Flagstaff, AZ read more
Beverly Jopek
Beverly Jopek
20:18 23 Feb 14
I had a retirement account with a large company in Colorado Springs and the company moved several departments out of the U.S. I left the account with them and it was eventually moved to one of the big investment companies. When it was time for me to start taking yearly withdrawals from the account I did not have any success with their representatives. That's then James came into my circle of friends. With his guidance I finally received my investment and with the vast knowledge of James I was able to reinvest this money so there was not a penalty by the IRS. James has not only been my advisor but a true trusted friend and would recommend him to any of my friendsread more
Evelyn Adams
Evelyn Adams
16:14 22 Feb 14
We have had very good advice and tools given to us by James Campbell. He has always been very honest with us in presenting the pros and cons of any financial instrument. James has kept us up to date on plans that he knows are of interest to us and our financial goals.read more
Next Reviews
Campbell
5.0
powered by Facebook
Geoff Meiser
Geoff Meiser
2016-08-10T19:53:51+0000
Thank you James for your time and your knowledge. I will be recommending Campbell Financial Corp not only to my friends, but my business associates as well. Dont take my word for it, give them a call.read more
Nathan Yencha
Nathan Yencha
2016-05-23T19:05:17+0000

Now, through Campbell Financial Corp you can purchase fixed income products with safety that is unparalleled in the industry. Many people choose to move their IRAs to self-directed IRAs in order to take advantage of these very reliable products. These are appropriate for your “Must Be Secured” money, the money you CANNOT afford to lose; the money you need for income for the rest of your life. Some of our products are also appropriate for when you'd like to earn higher interest than you would in a savings account or CD, but don't need to access the money within 12 months.

A First Position Commercial Mortgage Note (also known as Secured Bridge Loans) offers 12-month terms with interest rates of 5% to 7% annualized, with other products offering up to 10% annualized interest. If you're looking for retirement income or a high yield safer financial vehicle, this is one of the best options available.

Until recently Structured Settlement Income Streams were only available to institutional investors but now they can be purchased through Campbell Financial Corp. Structured Settlements are one of the best low-risk investments available today and can offer retirement security.

 

Campbell Financial is located at: 350 W. Henrietta Ave Woodland Park, CO 80863

Now, through Campbell Financial Corp you can purchase fixed income products with safety that is unparalleled in the industry. Many people choose to move their IRAs to self-directed IRAs in order to take advantage of these very reliable products. These are appropriate for your “Must Be Secured” money, the money you CANNOT afford to lose; the money you need for income for the rest of your life. Some of our products are also appropriate for when you'd like to earn higher interest than you would in a savings account or CD, but don't need to access the money within 12 months.

A First Position Commercial Mortgage Note (also known as Secured Bridge Loans) offers 12-month terms with interest rates of 5% to 7% annualized, with other products offering up to 10% annualized interest. If you're looking for retirement income or a high yield safer financial vehicle, this is one of the best options available.

Until recently Structured Settlement Income Streams were only available to institutional investors but now they can be purchased through Campbell Financial Corp. Structured Settlements are one of the best low-risk investments available today and can offer retirement security.

Keith Donley
Keith Donley
18:25 03 Jun 14
James and I had recently met and had a great conversation. I found his knowledge was vast and comprehensive not to mention his experience in many areas of the financial world. Even though I learned much and gained a new perspective, we both came to the conclusion that it would be better, for my circumstance, that I not use his services at this time. He thought it best for me to continue diversifying into a broader range of vehicles with emphasis on stabilization in the short term. I will touch base with him in the future after my situation smooths out and go from there. I would recommend his services to those seeking a path of safety and security.read more
Ray Barry
Ray Barry
14:21 26 Mar 14
My wife and I met James about 5 years ago at a presentation he gave concerning preserving existing capital in retirement. I was on guard, as usual, but after spending individual time with him I quickly learned of his integrity and sincere caring for prospective investors, and people in general. He spent numerous hours explaining our options, without knowing if we would decide to use any of what he had to offer; he was very patient. James is a professional, competent, and trustworthy friend to this day.read more
Ray Greenway
Ray Greenway
01:35 06 Mar 14
We have known and worked with James for over ten years. He is one of the most conscientious financial planners I have ever met. James is truly interested in helping people with retirement planning. Anyone who works with James can be assured they are working with someone who's integrity is without question and who's primary goal is to help hes clients.read more
Linda Allred
Linda Allred
16:07 25 Feb 14
In the short time that I have known and worked with James, I have found him to be a very conscientious and knowledgeable advisor. He is well informed and honest about his approach. He readily admits what he can and cannot do which is a rare quality these days in the world of financial planning.read more
Jim Thompson
Jim Thompson
22:59 23 Feb 14
I have known James for 9 years now, and his advice has been invaluable! Because of following his wise counsel beforehand, we didn’t lose any money in the great financial crash of 2008. In many other ways James has made money for us, while totally protecting our assets. He always goes the extra mile to listen carefully and then taylor a plan that meets the client’s goals and desires completely. I can’t recommend James highly enough! Jim Thompson/ Flagstaff, AZ read more
Beverly Jopek
Beverly Jopek
20:18 23 Feb 14
I had a retirement account with a large company in Colorado Springs and the company moved several departments out of the U.S. I left the account with them and it was eventually moved to one of the big investment companies. When it was time for me to start taking yearly withdrawals from the account I did not have any success with their representatives. That's then James came into my circle of friends. With his guidance I finally received my investment and with the vast knowledge of James I was able to reinvest this money so there was not a penalty by the IRS. James has not only been my advisor but a true trusted friend and would recommend him to any of my friendsread more
Evelyn Adams
Evelyn Adams
16:14 22 Feb 14
We have had very good advice and tools given to us by James Campbell. He has always been very honest with us in presenting the pros and cons of any financial instrument. James has kept us up to date on plans that he knows are of interest to us and our financial goals.read more
Next Reviews
Campbell
5.0
powered by Facebook
Geoff Meiser
Geoff Meiser
2016-08-10T19:53:51+0000
Thank you James for your time and your knowledge. I will be recommending Campbell Financial Corp not only to my friends, but my business associates as well. Dont take my word for it, give them a call.read more
Nathan Yencha
Nathan Yencha
2016-05-23T19:05:17+0000

Campbell Financial is located at:
350 W. Henrietta Ave
Woodland Park, CO 80863

Mailing address:
PO Box 5167
Woodland Park, CO 80866

Call us at (719) 687-6220 or email us at Information@CampbellFin.com.