Estate Test Your Estate Strategy Knowledge Related Content Investment Challenges of the Affluent Investor Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind. 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. The Value of Insuring Against Life’s Risks Building wealth requires protection from the forces of wealth destruction.