CSS Profile/Sibling Assets

PA-105A - Include funds in custodial accounts, Uniform Gifts to Minors accounts, or other savings and investment accounts held by your parents in the names of your brothers and sisters, who are under age 19 and not enrolled in college.
Funds held in Section 529 college savings or prepaid tuition plans are parent assets and should be reported as parent owned investments in PA-120.

You should only include assets your parents own in your siblings’ names, not assets owned by your siblings.

To recap:
If an asset is held by your parents in the name of a sibling, it is reported in PA-105
If an asset is held by your parents in your parents’ names, even if it’s for your sibling (e.g. a 529 plan), it is reported in PA-120.
If an asset is owned by your sibling, it is not reported on your PROFILE application.


My younger son received money following an accident when he was little. The money is in a UTMA account, which he owns. Does this get reported? The instructions are confusing because while they specifically mention Uniform Gifts to Minors accounts, they do not specifically mention Uniform Transfer to Minors accounts. Additionally, the instructions provide that “you should only include assets your parents own in your siblings’ names” and that “if an asset is owned by the sibling, it is not reported.” Here, the UTMA is owned by the sibling–NOT the parent, so is it reported?

No. It’s his money in his account.

Most states have adopted UTMA, while some still use the older UGMA. In this context, the terms can be used interchangeably.

Again, no. It is not reported.

Thank you so much!