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 Question Thank you! Oops! Related Content Travel, Without the Baggage Tips to avoid checking in luggage on your next vacation. Best Vacations: By Car, By Ship, By Foot, Once in a Lifetime Four vacation destinations you might never have thought of. 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.