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Reliant Investment Review

BlackRock Study:

Lifetime Income Can Boost 401(k) Spending Power by 22%

New research from BlackRock underscores the growing role of annuities in turning retirement savings into durable, predictable income. Their latest analysis suggests that embedding guaranteed lifetime income within a 401(k) can significantly increase how much retirees can safely spend each year without raising contribution rates.

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By running 100,000 retirement simulations, BlackRock found that participants who allocate a portion of their savings to a lifetime income solution can, on average, increase sustainable retirement spending power by about 22%. The uplift is even more pronounced for lower‑income savers, who may see around a 25% increase in potential spending.

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The mechanism is straightforward: a slice of the portfolio is converted into guaranteed income, creating a pension‑like payment stream that lasts for life, while the remainder stays invested for growth and liquidity. With a dependable income floor in place, retirees can draw more confidently from their remaining assets instead of underspending out of fear of outliving their savings or facing market volatility at the wrong time.

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The comprehensive study reinforces the idea that retirement outcomes are driven not only by how much participants save, but also by how efficiently those savings are converted into income. Adding a lifetime income component to professionally managed account solutions may be one of the highest‑impact levers available to improve retirement security across income levels.

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At Reliant Investment Management, we see this as part of a broader evolution from “balance thinking” to “paycheck thinking” in retirement planning—shifting the focus from account size at retirement to the reliability and durability of income over a retiree’s lifetime. Many of our clients have already taken advantage of employing a guaranteed lifetime income strategy within their overall retirement portfolio. 

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Legal services are provided by Reliant Law Group PLLC (RLG). RLG is a Licensed ABS in the State of Arizona (license number 70169).  RLG provides legal services to the public and is not an agent of, nor endorsed by, any Arizona court.

Insurance products and services are provided by Reliant Estate & Insurance Services LLC (REIS). REIS is licensed by the Arizona Department of Insurance (agent number 3002393123). REIS does not charge a fee for it's services. Instead, if you purchase any insurance products through REIS, REIS will be compensated by the insurance companies you choose to work with. Insurance products sold by REIS provide for a 30-day free look period as required by A.R.S. § 20-1233 allowing you, as the consumer, time to review your policy.

 

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There are no warranties implied. Reliant Investment Management LLC is a registered investment adviser located in Phoenix, Arizona. Reliant Investment Management LLC may only transact business in those states in which it is registered, or qualifies for an
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all users thereof should be guided accordingly. This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice. 
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Investment advisory services offered through Brookstone Wealth Advisors, LLC (BWA), a registered investment advisor and an affiliate of Brookstone Capital Management, LLC. BWA and Michael Rojas, Kevin Clark and Derek Mills (all dually registered) are independent of each other. Insurance products and services are not offered through BWA but are offered and sold through individually licensed and appointed agents.

 
Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer. Please refer to our firm brochure, the ADV 2A Item 4, for additional information.

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Tax Strategies: Consult your tax advisor prior to finalizing any plans, decisions or products which may affect your tax exposure. 

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