ABOUT
Built by a Retiree, for Retirees
The Problem
My wife and I decided we wanted to retire in our 50s. That decision started a journey neither of us expected — one that became the foundation for Blueprint Tomorrow.
We had the usual scattered accounts: active and old 401(k)s, IRAs, a Roth, brokerage accounts — plus one actively managed account costing us over 1% a year. Like most people, we’d never actually tracked our spending, so we spent nearly two years logging every expense just to understand our real budget and what our plan would need to fund.
We also had a long runway before Medicare — which meant figuring out how to bridge the gap to 65 was its own puzzle.
The Realization
Step one was consolidation: closing out the actively managed account and bringing everything together. Once consolidated, we calculated the income our savings needed to generate — only to realize that income would push our Modified Adjusted Gross Income over the ACA’s 400% subsidy cliff. Income planning and tax strategy weren’t separate problems; they were the same problem.
That’s when a quote from Charles J. Givens, read in my 20s, came back to me: “Wealth is not defined by your income — only by your outcome. Wealth is not what you make, it’s what’s left over.” We learned how to build a plan that maximized what we kept, not just what we earned.
The Blueprint
The last hurdle was sequence-of-returns risk — the danger of a black-swan event like 2008 or 2020 wiping out a big chunk of your savings right as you start drawing from them. I turned to online retirement calculators for answers and found Monte Carlo analysis and confidence scores. But a confidence score wasn’t what I wanted. I wanted a blueprint — a way to invest without handing 1% to active managers, limit my exposure, and know my lifestyle income would arrive every month like a paycheck. Instead of me working for money, I wanted my money working for me.
That idea — giving your money jobs so you’re never forced to sell assets in a downturn — became Blueprint Tomorrow’s three-engine design. At the time, it was just for us, so I could sleep at night.
Why I Built It
My wife suggested early on that I turn this into a business for others. I didn’t listen — until friends approaching retirement started asking me the same questions I’d once asked myself. She was right. That’s why she’s the BOSS.
So after years of sitting on it, I built Blueprint Tomorrow — priced so the peace of mind it gave my family is affordable to everyone.
Meet the Founder
Hi, I’m Rob Jones.
I’m a former Army infantry officer and veteran with an MBA from The Citadel. I spent my career analyzing financial performance, identifying opportunities, and implementing strategies to improve results.
As a financial operations consultant, I worked with multi-billion-dollar health systems to identify revenue-cycle challenges, develop practical recommendations, and implement changes that improved results. I later served as Senior Vice President of a revenue-enhancement consulting practice.
That experience shaped the way I approach retirement planning: understand the financial picture, identify what needs to change, and turn the analysis into an actionable plan.
Those same principles became the foundation for Blueprint Tomorrow.
Retire from work. Not from life.
Retiring in our 50s taught us that the paycheck is only half the plan. The other half is the life it pays for: staying healthy, deciding where to live, the trips and experiences we waited years for, and what we want to leave behind.
Health has always been central for me. I’m a lifelong endurance athlete: I’ve finished dozens of marathons and ultramarathons and an Ironman, and I competed as part of Team USA at the Triathlon Age Group World Championships in London and Edmonton. I also spent my career in healthcare finance. I’ve seen how much staying active shapes what you can do, and how much health costs can reshape a retirement budget.
So Blueprint Tomorrow starts with the retirement you want, plans each part of it, and brings everything together in one retirement paycheck that pays for it.
Meet the Paycheck Planner →
Healthspan Is Wealthspan
“It’s not the years in your life. It’s the life in your years.”
Meet the authors
Two professional perspectives.
One shared philosophy.
Rob Jones spent much of his career inside the financial operations of healthcare, including leadership responsibility for revenue cycle and patient financial services. Dr. Jason Kitchen is an emergency medicine physician who sees the clinical side of healthcare firsthand. Both have competed in endurance sports at a high level, and both believe that the greatest value of preparation is the freedom it creates to live well.
This book brings their perspectives together—not to promise a longer life or prescribe a single version of retirement, but to ask a question too often overlooked: what good is financial security if you have lost the health to enjoy it, or good health if you lack the financial freedom to use it?