Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates. What Is a 1035 Exchange? 1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability. Retirement Is a Beginning Key questions to answer when you are considering retirement.