Legend Financial

Princeton, NJ 08540

C A P I T A L   N E E D S   A N A L Y S I S

Mathew Retires at age 62

Mathew & Tammy McCarthey

CAPITAL NEEDS

Funds Needed in Next 52 years

Mortgage Payments

396,825

Household Costs

4,185,022

Medical Expenses

451,250

Food Clothing Transportation

3,655,977

Personal Loan Payments

13,662

Other Living Expenses

803,083

Children's Education

160,000

Nonliquid Assets Purchased

1,162,645

Retirement Plan Contributions

833,564

Income Taxes Paid

3,890,534

Other Needs

       160,344

Total Funds Needed

15,712,906

Funds Available in Next 52 years

Personal Service Income

5,557,112

Liquid Capital Int & Divs

149,358

Other Investment Income

     3,384,371

Total Funds Available

     9,090,841

Capital Needs Exceeding Available Funds

6,622,065

INVESTMENT NEEDS

Desired Capital Reserve

0

Capital Reserve Available

Investment Beg Balance

157,311

Investment Growth

697,518

Client's IRA Beg Balance

26,540

Client's IRA Growth

4,767,922

Spouse's IRA Beg Balance

22,987

Spouse's IRA Growth

     3,421,584

Total Investment Capital Available

     9,093,862

Excess Investment Capital Available

     9,093,862

EXCESS FUNDS AVAILABLE

2,471,798

=========

        You have adequate sources of capital to meet your needs.