Profile sometimes asks. There are supplemental questions required by some schools that ask for the VALUE of your retirement accounts. Somemom is right...no one seems to know what is done with the info. The contributions you make during the tax year you are using for your Profile info IS added back in as income. So...for those who did the 2008-08 Profile, it would be based on the 2007 tax year information. Any contributions to your retirement accounts made during 2007 would be added back in as income.