What Smart Investors Know Savvy investors take the time to separate emotion from fact. Share | Related Content Separating the Signal From the Noise A good professional provides important guidance and insight through the years. How Financially Literate Are You? Every day, we make hundreds of financial decisions. Some are in-the-moment: Where should I buy my morning coffee? Others... 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.