Objective Settlement Consultants
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William D. Durcho
7737 Doneva Avenue
Fair Oaks, CA 95628

916-241-9834 (Office)

916-405-4371 (Fax)

916-206-4773 (Mobile)

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I Enjoy Being a Ringler Consultant Because...

"I was first exposed to structured settlements in 1980. I was able to see first hand the incredible positive impact a structured settlement had on the lives of injured people. Since that time I have made it my mission in life to make sure that the injured person has all the information in hand so that they can make an educated decision about their futures and understand how a well designed structured settlement can make their live a little easier."


Bill has lectured nationally on Medicare Set-Asides to bar associations, claims associations and individual clients. He has used innovative ideas and products such as Medicare Set-Aside Agreements, Pooled Trusts, Custodial Accounts and Special Needs Trusts to assist his clients in bringing difficult claims to a conclusion. Bill is a member of the National Structured Settlements Trade Association (NSSTA) and holds licenses in 25 different states. He has resolved claims with the use of structured settlements in 31 different states.


  • Workers’ Compensation
  • Personal Injury
  • Medicare Set-Asides
  • Medicaid and Special Needs Trusts


Bill is a graduate of Indiana University of Pennsylvania. After graduating, he worked for Liberty Mutual Insurance Company for 18 years in positions throughout the country. He has held claims positions of adjuster, supervisor, home office examiner and director of technical claims.

In 1995, Bill joined Sedgwick James as a claim consultant spending most of his time on site with Bank of America’s risk management department providing consulting services to the legal and risk management departments. He also provided oversight consulting services to the general liability TPA programs of Bank of America. In 1997, Bill joined Galaher Settlements as an assistant vice president and has provided structured settlement services to national and local clients.

In January 2017, Bill joined Ringler through Ringler’s acquisition of Galaher Settlements.


  • B.A. in Criminology, Indiana University of Pennsylvania


  • Life Agent State of California, Non-Resident Licenses in twenty-five other states
  • Member of the National Structured Settlements Trade Association (NSSTA)

Personal Info

Bill resides in the Sacramento, CA area. He is an avid golfer and likes to spend time at the gym. Bill also enjoys the beach as well as the desert.

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