Melissa Baldwin Settlements

Melissa Baldwin Settlements is comprised of a team of professional, highly experienced settlement consultants whose personal attention is unmatched anywhere in the industry.  Our goal is to utilize our expertise and integrity to help our clients reach successful settlement outcomes.  Our nationwide structured settlement services are provided at no cost to our clients or their attorneys.  We have an extensive network of settlement resources, including Trust Attorneys, Life Care Planners, Medicare Set Aside Specialists, and Trust Administrators.  We work closely with everyone involved in the case to ensure a successful settlement result.

We understand the overwhelming position the injured party is in during the settlement process.  Making important financial decisions is difficult under the best circumstances, and even harder when also dealing with an injury or the death of a family member. We customize and tailor the financial and structured annuity plans to meet each individuals immediate and long-term needs.  

With our combined decades of expertise and over 10,000 settled cases, our structured settlement solutions and innovative financial planning are a viable and secure option during this unpredictable financial environment.  We are able to give our clients the peace of mind and financial security they deserve.


Types of Cases We Specialize in

  • Physical Injury
  • Medical Malpractice
  • Wrongful Death
  • Catastrophic Injury
  • Products Liability
  • Class Action & Mass Torts
  • Workers Compensation
  • Employment
  • Involving Minors

Our Services

  • Comprehensive Settlement Planning
  • Customized plans tailored to each client
  • Assistance for Special Needs Trusts
  • Public Benefit Preservation
  • Qualified Settlement Funds
  • Attorney's Fees Financial Planning
  • NO costs or fees to Clients or Attorneys

Melissa Baldwin
Senior Settlement Consultant

Melissa Baldwin has been a Settlement Consultant for over 10 years, assisting attorneys and their clients in physical injury cases related to medical malpractice, personal injury, wrongful death, injured minors and product liability as well as non-physical injury cases such as employment and discrimination, mass torts and attorney fees. As a consultant throughout California, Melissa focuses on the immediate and long-term financial needs of Plaintiffs, tailoring structured annuities and financial plans to meet each person's unique and specific set of present and future income needs.  Whether it be payments for ongoing medical care, children's education, retirement planning, and other financial concerns, Melissa's focus is always her clients' best interest and ensuring financial security.  

In addition to financial assessment and annuity planning, Melissa reviews legal documents involved, assists with case evaluation, prepares proposals and attends mediations and settlement conferences across the United States, free of charge.   She enjoys helping her clients facilitate a successful settlement while making the process as easy as possible for all parties involved. Melissa is a proud member and supporter of Consumer Attorneys of California (CAOC), Consumer Attorneys Association of Los Angeles (CAALA), San Francisco Trial Lawyers Association (SFTLA), Orange County Trial Lawyers Association (OCTLA) and National Structured Settlement Trade Association (NSSTA).

A native of California, Melissa earned her Bachelor degree in Political Science with a minor in Law from University of California, San Diego. Melissa enjoys hiking, family camping trips with her husband and their two children, and seeing live music shows all over California.

California Insurance License # 0C83536

Tracy Westoby
Consultant & Case Manager

Tracy began her structured settlement career in 1996 while working for Pacific Life Insurance Company in Orange County, California.  During her 16 years with Pacific Life, her duties included internal sales, settlement quoting and document compliance. Tracy quickly became Customer Service Team Lead, providingher with a wealth of knowledge in all facets of structured settlement annuities and planning. 

In 2010, she earned the distinguished Certified Structured Settlement Consultant designation through the National Structured Settlements Trade Association program in conjunction with the University of Notre Dame Mendoza College of Business Executive Education Program.  

Tracy joined Melissa’s team in November 2014 as a Consultant and Case Manager.  Her vast experience in the structured settlement industry provides her with the ability to assist clients with achieving a win-win solution for all parties.

A California native, Tracy enjoys spending time with friends and their children, going to concerts, plays, and soaking up the sun.  She is an avid animal lover and has 3 cats, which are all rescues.