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 A Primer on Irrevocable Life Insurance Trusts Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives. How Financial Professionals Are Compensated Read this overview to learn how financial advisors are compensated. Filing Final Tax Returns for the Deceased The federal government requires deceased individuals to file a final income tax return.