<p>This is a tricky question and I was wondering if any of you know how these actions are treated. It's been a bad year from an income point of view, so we have a lot of tax deductions that will be wasted unless we use them up by transferring some money from a regular IRA to a Roth. This is pretty standard tax planning, the complexity is that I am thinking that it will adversely affect the schools assessment of our financial need, since it increases the AGI. Has any one out there dealt with this issue before and know the answer.</p>
<p>Thanks.</p>