I have a CD (large size), but was considering transferring the name of the CD from mine to my parents'. (My parents do not list me as a dependent). I don't want to have to be forced to use the CD money because I want to keep that as savings for the future. I also have a large amount in a company Investment Plan (for which I will be penalized if I withdraw money from it before the age of 55). Without the CD, my financial status will change to being in need of more loans. So, if the CD's are in my parents' name, is that a way of avoiding having to use the CD money?? Also, if I don't have the CD, will I be forced to withdraw money from my company's Investment Plan (even though I'll be penalized)?