Money Budgeting After a Divorce Full Size VersionDownload the Worksheet Related Content Forecast The market is as unpredictable as the weather. We'd love to help you prepare. 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 Fed and How It Got That Way Here is a quick history of the Federal Reserve and an overview of what it does.