Legend Financial

Princeton, NJ 08540

05/17/07

F I N A N C I A L   S U M M A R Y

Mathew Retires at age 62

Mathew & Tammy McCarthey

Sample Plan

2007

2008

2009

2010

2011

Age:

37/36

38/37

39/38

40/39

41/40

Gross Real Income

Personal Earnings

162,600

167,478

172,502

177,677

183,008

Interest Income

885

907

929

952

975

Dividends Rcvd

819

868

919

974

1,033

BeachHouse

         40,000

         41,200

         42,436

         43,709

         45,020

204,304

210,453

216,787

223,313

230,036

Income & Inflation

Gross Real Inc

204,304

210,453

216,787

223,313

230,036

Total Inc Tax

        -45,638

        -48,140

        -50,574

        -53,454

        -56,574

Net Real Income

158,666

162,313

166,213

169,859

173,462

Cur Real Inc =

158,666

163,402

168,280

173,303

178,476

Purch Power Drop

0

1,090

2,067

3,444

5,014

At Infltn Rate Of

3

3

3

3

3

Cash Flow

Idle Cash On Hand

1,000

1,000

1,000

1,000

1,000

Norml Cash Inflow

202,680

208,761

215,025

221,477

228,122

Norml Cash Outflw

191,550

194,473

198,007

203,425

203,228

Cash Invested

         11,130

         14,289

         17,018

         18,051

         24,894

Cash Balance

1,000

1,000

1,000

1,000

1,000

Net Worth

Personal Assets

696,236

715,523

735,404

755,897

777,021

Investment Assets

1,000,742

1,089,137

1,183,833

1,285,522

1,400,596

Personal Liabilities

-244,894

-234,264

-222,926

-211,428

-205,934

Investmt Liabilities

-219,831

-214,900

-209,665

-204,107

-198,206

Personal Net Worth

451,342

481,259

512,478

544,469

571,087

Investment Net Worth

       780,911

       874,237

       974,168

     1,081,415

     1,202,390

Net Worth

1,232,253

1,355,497

1,486,646

1,625,884

1,773,476

You may include a footnote to be automatically included at the bottom of all of your reports,.

Legend Financial

Princeton, NJ 08540

05/17/07

F I N A N C I A L   S U M M A R Y

Mathew Retires at age 62

Mathew & Tammy McCarthey

Sample Plan

2012

2013

2014

2015

2016

Age:

42/41

43/42

44/43

45/44

46/45

Gross Real Income

Personal Earnings

188,498

194,153

199,977

205,977

212,156

Interest Income

999

1,025

1,050

1,076

1,102

Dividends Rcvd

1,094

1,160

1,229

1,303

1,381

BeachHouse

         46,371

         47,762

         49,195

         50,671

         52,191

236,962

244,100

251,452

259,027

266,830

Income & Inflation

Gross Real Inc

236,962

244,100

251,452

259,027

266,830

Total Inc Tax

        -59,680

        -62,838

        -66,096

        -69,466

        -72,759

Net Real Income

177,282

181,261

185,355

189,560

194,071

Cur Real Inc =

183,804

189,290

194,940

200,759

206,752

Purch Power Drop

6,522

8,029

9,585

11,199

12,681

At Infltn Rate Of

3

3

3

3

3

Cash Flow

Idle Cash On Hand

1,000

1,000

1,000

1,000

1,000

Norml Cash Inflow

234,966

242,016

249,278

256,757

264,461

Norml Cash Outflw

209,640

223,393

230,356

231,934

239,642

Cash Invested

         25,326

         18,623

         18,922

         24,822

         24,820

Cash Balance

1,000

1,000

1,000

1,000

1,000

Net Worth

Personal Assets

798,796

821,242

844,379

868,231

892,818

Investment Assets

1,523,249

1,646,577

1,777,824

1,918,074

2,067,456

Personal Liabilities

-200,116

-193,955

-187,430

-180,520

-173,202

Investmt Liabilities

-191,942

-185,291

-178,230

-170,733

-162,774

Personal Net Worth

598,680

627,287

656,949

687,711

719,616

Investment Net Worth

     1,331,307

     1,461,286

     1,599,594

     1,747,341

     1,904,682

Net Worth

1,929,987

2,088,573

2,256,543

2,435,052

2,624,298

You may include a footnote to be automatically included at the bottom of all of your reports,.

Legend Financial

Princeton, NJ 08540

05/18/07

F I N A N C I A L   S U M M A R Y

Assuming Mathew's Death in 2008

Mathew & Tammy McCarthey

Sample Plan

2020

2025

2030

2035

2060

Age:

49

54

59

64

89

Gross Real Income

Personal Earnings

88,112

102,146

118,415

0

0

Interest Income

1,217

1,378

0

0

0

Dividends Rcvd

1,744

2,335

0

0

0

Matt's IRA

0

0

27,572

0

0

Soc Security Inc Ta

0

0

0

0

54,034

BeachHouse

         58,741

         68,097

         78,943

         91,517

       191,616

149,814

173,957

224,931

91,517

245,651

Income & Inflation

Gross Real Inc

149,814

173,957

224,931

91,517

245,651

Total Inc Tax

        -40,788

        -58,134

        -69,964

        -10,516

        -54,193

Net Real Income

109,027

115,823

154,966

81,001

191,458

Cur Real Inc =

232,566

269,411

312,094

361,539

754,232

Purch Power Drop

123,539

153,588

157,128

280,538

562,774

At Infltn Rate Of

3

3

3

3

3

Cash Flow

Idle Cash On Hand

989

983

958

977

-2,127,717

Norml Cash Inflow

146,987

235,406

197,359

91,517

245,651

Assets Sold

55,964

71,243

64,660

33,925

0

Norml Cash Outflw

       202,965

       306,653

       262,020

       191,757

       456,171

Cash Balance

975

979

957

-65,337

-2,338,238

Net Worth

Personal Assets

998,964

1,151,197

1,328,438

1,468,597

867,546

Investment Assets

2,311,807

2,394,616

2,580,225

2,847,881

3,281,193

Personal Liabilities

-139,346

-84,495

-11,424

0

0

Investmt Liabilities

-125,717

-64,997

0

0

0

Personal Net Worth

859,618

1,066,702

1,317,014

1,468,597

867,546

Investment Net Worth

     2,186,090

     2,329,619

     2,580,225

     2,847,881

     3,281,193

Net Worth

3,045,707

3,396,321

3,897,240

4,316,477

4,148,739

You may include a footnote to be automatically included at the bottom of all of your reports,.