The three engines that fund your retirement paycheck.
Every Blueprint splits your investable assets into three purpose-built engines — Liquidity, Income, and Growth — each with one job. Here’s what that actually looks like, using a real household’s numbers.
One portfolio. Three jobs.
The Liquidity Engine covers what you need to draw right now. The Income Engine is sized to generate the bulk of your paycheck, year after year. The Growth Engine holds what's left to keep pace with a retirement that could last 30+ years — without ever being sold on a schedule to fund your spending.
Example household · $2,050,000 invested: $2,000,000 split across the three engines, plus a $50,000 ACA Bridge held separately in cash. Your own Blueprint recalculates this from your real accounts and spending.
Built from real, approved holdings — not a black box.
Every dollar in every engine is assigned to a specific, named holding sized to the job that engine performs — cash-like stability for Liquidity, income-generating bonds and dividend funds for Income, broad growth funds for Growth.
Fund names and tickers are redacted for this public preview. Inside your own Blueprint, every holding is named, sized, and explained.
Not picked for yield. Picked for the job.
Blueprint selects investments based on the job they perform inside your retirement paycheck — not simply the highest yield or historical return. That structure is then challenged across materially different market environments to see whether those jobs still hold up.
See how it runs every month
The engines aren’t just a portfolio split — BOSS uses them to tell you exactly what to do, every month and every year.
Explore BOSS →Build your own reports
Compare the three engines against your own timeline, taxes, and healthcare costs.
Reports & Scenarios →Ready to see your own numbers?
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Blueprint Tomorrow provides educational planning tools, not individualized investment, tax or legal advice. The holdings, allocations and dollar amounts shown above belong to an illustrative example household and are not a recommendation to buy, sell or hold any specific security. Your own Blueprint is built from your real accounts, goals and constraints.