<p>SBlake, Some here have suggested that if you are going to transfer assets and move monies around, it is better to do so well in advance of the filing of the FAFSA (not spending on student needs...moving money from account to account). I went to a finaid seminar which suggested that IF you planned to do this, it is best to do it 3 years or more before filing your first finaid form. Do you know if there is any credibility to this?</p>