Surprises Making the most of surprises is a great reason to work with us. Related Content Keep Your Umbrella Handy Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected. Is a Variable Annuity Right for Me? Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right. Saving for College This calculator can help you estimate how much you should be saving for college.