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Liquid Assets Nj - Excel

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									ExecPlan Equities                                                                              Page 1
Princeton, NJ 08540
05/12/09            CAPITAL NEEDS ANALYSIS
Richard & Cheryl Tobasco
60 Chichester Lane
Princeton, NJ 08540

           CAPITAL NEEDS
                    Funds Needed in Next 47 years
                              Mortgage Payments                  601,567
                              Household Costs                  5,420,907
                              Medical Expenses                   211,247
                              Food Clothing Transportation     5,310,866
                              Other Living Expenses            2,770,808
                              Children's Education               308,680
                              Nonliquid Assets Purchased         979,248
                              Retirement Plan Contributions      469,500
                              Income Taxes Paid                7,793,655
                              Other Needs                        506,617
                    Total Funds Needed                                     24,373,094
                    Funds Available in Next 47 years
                              Personal Service Income          7,745,564
                              Liquid Capital Int & Divs        4,454,365
                              Other Investment Income          1,840,670
                              Social Security Benefits         3,001,102
                              Retirement Plan Withdrawals        307,321
                              Other Income                       124,266
                    Total Funds Available                                  17,473,288
           Capital Needs Exceeding Available Funds                                       6,899,805
           INVESTMENT NEEDS
                    Desired Capital Reserve                                        0
                    Capital Reserve Available
                              Investment Beg Balance             784,536
                              Investment Growth                9,416,845
                              Client's IRA Beg Balance            96,459
                              Client's IRA Growth              6,872,023
                              Client's Rollovers into IRA's    2,179,674
                              Spouse's IRA Beg Balance            47,662
                              Spouse's IRA Growth                535,786
                    Total Investment Capital Available                     19,932,984
           Excess Investment Capital Available                                          19,932,984
           EXCESS FUNDS AVAILABLE                                                       13,033,180

    You have adequate sources of capital to meet your needs.
ExecPlan Equities                                                          Page 2
Princeton, NJ 08540
05/12/09                                    FINANCIAL INDEPENDENCE
Richard & Cheryl Tobasco
60 Chichester Lane
Princeton, NJ 08540


  In order to achieve financial independence , you must maintain a solid
  financial position. This is achieved if your projection shows no
  deficits.

  At the end of 2055, you will be in a sound financial position. You
  will not have a deficit, and your assets available for liquidation
  will be worth $13,033,180, which will be available as an emergency
  reserve.

  This analysis of your capital needs is based on the following
  assumptions:
     Richard will retire in 2026 at the age of 62. Richard will
     continue to live for another 28 years, until reaching an age
     of 90 in 2054.

     Cheryl will retire in 2026 at the age of 61. Cheryl will
     continue to live for another 29 years, until reaching an age
     of 90 in 2055.

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

  Your projected investments will appreciate at an average rate of
  6.69%.
         ExecPlan Equities                                                          Page 3
         Princeton, NJ 08540
NDENCE   05/12/09                     FINANCIAL INDEPENDENCE
         Richard & Cheryl Tobasco
         60 Chichester Lane
         Princeton, NJ 08540


           In order to achieve financial independence , you must maintain a solid
           financial position. This is achieved if your projection shows no
           deficits.

           At the end of 2055, you will be in a sound financial position. You
           will not have a deficit, and your assets available for liquidation
           will be worth $13,033,180, which will be available as an emergency
           reserve.

           This analysis of your capital needs is based on the following
           assumptions:
              Richard will retire in 2026 at the age of 62. Richard will
              continue to live for another 28 years, until reaching an age
              of 90 in 2054.

              Cheryl will retire in 2026 at the age of 61. Cheryl will
              continue to live for another 29 years, until reaching an age
              of 90 in 2055.

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

           Your projected investments will appreciate at an average rate of
           6.69%.
         Page 4

NDENCE
ExecPlan Equities                                                                       Page 5
Princeton, NJ 08540
05/12/09                   AMOUNTS TO MEET SHORTFALL
Richard & Cheryl Tobasco
60 Chichester Lane
Princeton, NJ 08540



                                                      0
                           Increase in monthly net income needed over next 47 years


                                                      0
                           Increase in monthly gross income needed over next 47 years


                                                  in
                           Lump sum amount needed 0 first year


                                                  in
                           Lump sum amount needed 0 2026

								
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