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    <loc>https://www.unitedsettlementsolutions.com/home</loc>
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    <lastmod>2026-01-05</lastmod>
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      <image:title>Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61ae57239073eb49a8e39f5d/6a4d214f-a242-4987-b50d-c247af52422c/Why-Choose.jpg</image:loc>
      <image:title>Home - Why Choose a Market-Based Structured Settlement?</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61ae57239073eb49a8e39f5d/72504d56-4da8-4c9e-80d0-f41fc1e7c648/Smart-Tax-Strategy.jpg</image:loc>
      <image:title>Home - Smart Tax Strategy</image:title>
      <image:caption>United Settlement Advantage® payments- including gains- are income tax-free for personal injury, workers’ compensation, and wrongful death cases. In contrast, if you accept your settlement as a cash lump sum and invest it, investment income earned on the funds will be subject to income tax. United Settlement Advantage® and United Fee Advantage® payments are income tax-deferred for non-physical injury cases and attorney contingency fees. Rather than paying a large tax bill on a lump sum cash settlement or attorney fees, the gross amount of your taxable payment will grow income tax-deferred and your tax liability will be spread out over time.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61ae57239073eb49a8e39f5d/753f1775-7515-4a44-acfe-f48685266878/opportunity.jpg</image:loc>
      <image:title>Home - Opportunity for Growth</image:title>
      <image:caption>Market-based structured settlements can help you reach your investment goals by providing model investment portfolio options managed by a financial institution with significant settlement-related experience. Alternatively, your financial advisor can manage the investments within your market-based structured settlement.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61ae57239073eb49a8e39f5d/6f4a2b01-50d1-4616-a530-900e442a1484/No-Contribution-Limit.jpg</image:loc>
      <image:title>Home - No Contribution Limit</image:title>
      <image:caption>Unlike traditional retirement accounts, United Settlement Advantage® and United Fee Advantage® do not have contribution limits. You can use the funds to pay for specific life events, supplement your retirement nest egg, or design a payment stream to meet your other financial goals.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61ae57239073eb49a8e39f5d/ee25f975-efce-46bf-8fe4-f87fb893b3e5/Personalized%2C-Flexible-Design.jpg</image:loc>
      <image:title>Home - Personalized, Flexible Design</image:title>
      <image:caption>Payments can be aligned to meet your financial goals, with quarterly, semi-annual, annual, and lump sum payment options. You have extensive flexibility to defer payments to a time of your choosing. You can also choose to combine a market-based structured settlement with a structured settlement annuity. The annuity portion of your plan provides fixed income regardless of market performance, while the market-based portion adds market exposure and the potential for growth.</image:caption>
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  </url>
  <url>
    <loc>https://www.unitedsettlementsolutions.com/how-it-works</loc>
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    <priority>0.75</priority>
    <lastmod>2023-06-01</lastmod>
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      <image:title>How It Works - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61ae57239073eb49a8e39f5d/746f32e9-815e-41da-bd8b-e22c54ab0ded/Market-Based+Structured+Settlement+Process.png</image:loc>
      <image:title>How It Works - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61ae57239073eb49a8e39f5d/21e981e0-5d6f-4b18-b5ab-0c6a0895396e/Why-Does-An-Assignment-Company.jpg</image:loc>
      <image:title>How It Works - Why does a third-party assignment company need to be involved?</image:title>
      <image:caption>To receive favorable tax treatment, neither the claimant nor their attorney/law firm can have “constructive receipt” of any settlement funds. To be released from liability, however, the defendant needs to distribute the settlement funds. The defendant assigns liability for the structured settlement payments to a third-party assignment company, which is then responsible for funding the structured settlement.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61ae57239073eb49a8e39f5d/c5e15c13-665e-4f73-baf2-95a83a7a49c0/What-Assignment.jpg</image:loc>
      <image:title>How It Works - What assignment company does United Settlement Solutions use?</image:title>
      <image:caption>United Settlement Solutions utilizes United Assignments, SCC, a third-party assignment company based in Barbados. Barbados is the location of choice for market-based structured settlements due to its unique tax treaty with the United States that prevents double taxation on financial vehicles like a structured settlement. As soon as the money is wired from the defendant to the assignment company, the assignment company immediately wires the money to a United States-domiciled financial institution. The funds stay in the United States for the entirety of the contract.</image:caption>
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  <url>
    <loc>https://www.unitedsettlementsolutions.com/contact</loc>
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    <lastmod>2023-05-31</lastmod>
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  <url>
    <loc>https://www.unitedsettlementsolutions.com/about-us</loc>
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    <lastmod>2025-11-18</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>About Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>About Us - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.unitedsettlementsolutions.com/privacy-policy</loc>
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    <lastmod>2021-12-17</lastmod>
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    <loc>https://www.unitedsettlementsolutions.com/kyle-bollman-ceo-president</loc>
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    <lastmod>2025-11-18</lastmod>
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      <image:title>Kyle Bollman, CEO &amp; President - Make it stand out</image:title>
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    <loc>https://www.unitedsettlementsolutions.com/gale-murphy-executive-vice-president</loc>
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    <lastmod>2026-02-27</lastmod>
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      <image:title>Gale Murphy Executive Vice President - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.unitedsettlementsolutions.com/katie-dunn-vice-president-of-marketing</loc>
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    <lastmod>2024-10-23</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.unitedsettlementsolutions.com/faq</loc>
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    <lastmod>2025-02-11</lastmod>
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    <lastmod>2025-06-10</lastmod>
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    <loc>https://www.unitedsettlementsolutions.com/sulita-winston-operations-specialist</loc>
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    <lastmod>2026-02-27</lastmod>
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      <image:title>Sulita Winston - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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