Only retirement assets in IRA's and 401ks are not counted; perhaps annuities and insuracne policies, too, thou I do not recall the details.Yes. And in fact insurance policies are the primary way those companies that market themselves as being able to help you minimize your FAFSA Effective Family Contribution tell you to put your free assets into so that they are not counted against you. Non-tax deferred funds that you intend to use for retirement are not considered as retirement funds. You have to have more proof than your say so.IP
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