Legend Financial

Princeton, NJ 08540

05/18/07

F I N A N C I A L   I N D E P E N D E N C E

Assuming Mathew's Death in 2008

Mathew & Tammy McCarthey

     In order to achieve financial independence in the event of your

     premature death in 2008, you must maintain a solid financial position.

     This is achieved if your projection shows no deficits.

     At the end of 2060, you will have a deficit of $2,338,238. 

     Consequently, you must take steps to improve your financial situation

     in order to achieve financial independence.

     In order to provide for Tammy's financial security in the event of

     your premature death, you should provide an additional life insurance

     policy. If you  purchase  additional life insurance in the amount of

     $255,583, your capital base will be sufficient to meet your

     requirements.

     This analysis of your capital needs is based on the following

     assumptions:

          Mathew will suffer a premature death in 2008.

          Tammy will retire in 2033 at the age of 62. Tammy will

          continue to live for another 28 years, until reaching an age

          of 90 in 2061.

     Inflation will average 3% over the course of the plan.

     Your projected investments will appreciate at an average rate of

     5.09%.

     If funds are added as recommended, they will first be used to reduce

     deficits. Any remaining funds will be invested at an after-tax rate of

     return of 5%.

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