Our Editorial Standards

Why Editorial Standards Matter

Catalina Structured Funding helps people make significant financial decisions about their structured settlements, annuities, lottery winnings, and inheritances. The information on our site directly influences those decisions. We believe you deserve content that is accurate, transparent, and regularly verified against authoritative legal and financial sources.

These standards apply to every page on catalinastructuredfunding.com, including service pages, state-specific guides, blog posts, calculator pages, and comparison content.

Our Editorial Process

Every piece of content on our site goes through a structured review process before publication:

1. Research. Our editorial team identifies the topic, researches primary sources (state statutes, IRS publications, court records, industry data), and reviews competitor content to identify gaps and inaccuracies in existing coverage.
2. Writing. Content is drafted following our internal writing guide, which prioritizes clarity, factual accuracy, and plain language. We write for readers who may be encountering these topics for the first time.
3. Attorney review. A licensed attorney on our team reviews every piece of content for legal accuracy. Our four attorneys are licensed across multiple states and bring direct experience with structured settlement transfers, court proceedings, and state-specific regulations.
4. Fact verification. Legal claims, statute citations, and financial figures are verified against primary sources using professional legal research tools. We maintain an internal registry of every verified claim and correction.
5. Publication and monitoring. After publication, content is monitored for accuracy. When laws change, tax rates update, or court decisions affect our content, we update the affected pages and note the revision date.

Who Reviews Our Content

CSF's content is produced by our Legal Editorial Team and individually reviewed by one of four licensed attorneys:

• Chris M., Esq., President, CEO & Founder. Licensed in California. Over 15 years of experience in structured settlement transactions.
• Greg S., Esq., Principal. Licensed in California. Expertise in annuity and lottery payment transfers.
• Evan C., Esq., SVP, Operations. Licensed in New York. Manages day-to-day transaction operations and technology.
• Sunny G., Esq., General Counsel. Licensed in Georgia. Oversees legal compliance and regulatory matters.

Each blog post and service page displays the reviewing attorney's name and bar state. State-specific content is reviewed by the attorney licensed in that jurisdiction when possible.

How We Verify Legal Claims

Legal claims on our site are verified through a formal audit process using professional legal research tools. This includes:

• Statute citations. Every state statute referenced on the site (Structured Settlement Protection Acts, lottery assignment statutes, probate codes) is verified against the current text of the law.
• Tax figures. Federal tax brackets, state tax rates, and IRS withholding percentages are verified against current IRS publications and updated when rates change.
• Financial claims. Discount rate ranges, timeline estimates, and cost figures are cross-referenced against industry data and primary sources.
• Corrections registry. When our verification process identifies an error, we correct the content immediately and log both the original claim and the correction in our internal registry.

Content Update Policy

We update content when the underlying facts change. Common triggers include:

• New IRS tax brackets or withholding rates (updated annually)
• State statute amendments affecting structured settlement, lottery, or probate laws
• Changes to insurance company policies (issuer mergers, name changes, VOB procedures)
• Updates to Federal Reserve prime rate data (affects discount rate caps in North Carolina, New York, and Illinois)
• New court decisions that affect the transfer process

Updated pages display a "Last updated" date reflecting the most recent substantive revision. Minor formatting or typographical corrections do not trigger a date change.

Corrections Policy

If we discover an error in our content, or if a reader or professional brings an error to our attention, we correct it promptly. Our corrections process:

1. The reported claim is reviewed against primary sources (statute text, IRS publications, court records).
2. If the claim is incorrect, the content is updated immediately.
3. The correction is logged in our internal verification registry with the original text, corrected text, source, and date.
4. The page's "Last updated" date is revised to reflect the change.

To report a potential error, contact us at info@csfcap.com or call (800) 317-3769.

External Source Standards

When we cite external sources, we prioritize the following (in order):

1. Primary legal sources: State statutes, IRS publications, federal regulations, court opinions
2. Government agencies: IRS.gov, state lottery commissions, state court websites, CFPB, FTC, SEC
3. Industry organizations: National Structured Settlements Trade Association (NSSTA), National Association of Insurance Commissioners (NAIC), Uniform Law Commission
4. Academic and research institutions: Federal Reserve Economic Data (FRED), U.S. Census Bureau, Social Security Administration actuarial tables
5. Reputable financial media: Major financial publications used only for supplementary context, not as primary authority

We do not cite anonymous sources, social media posts, or unverified claims. Every external link on our site points to a verifiable, authoritative source.

What We Do Not Do

• We do not fabricate legal citations or statute references.
• We do not present opinion as fact. When a topic involves professional judgment (such as whether to sell a settlement), we present the considerations and recommend consulting a qualified advisor.
• We do not accept payment for editorial content. Our blog posts, guides, and educational pages are not sponsored or influenced by third parties.
• We do not make guarantees about transaction outcomes. Court approval is never guaranteed, and individual results vary.