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New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

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Why Kimberly-Clark Employees Should Consider These Top Retirement Locations for Affordability and Ideal Weather

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Healthcare Provider Update: Healthcare Provider for Kimberly-Clark: Kimberly-Clark does not typically provide direct healthcare services as a core aspect of its business. However, it does offer healthcare products under its brand portfolio, which includes items like medical gloves and protective wear used in various healthcare settings. The company primarily focuses on consumer products in personal care and hygiene, and while it may collaborate with organizations in the healthcare sector, it is not a traditional healthcare provider. Potential Healthcare Cost Increases for Kimberly-Clark in 2026: As we approach 2026, Kimberly-Clark and its consumers may face significant increases in healthcare costs due to anticipated steep hikes in health insurance premiums. The Affordable Care Act (ACA) marketplace is expected to see rate increases exceeding 60% in certain regions, driven by factors such as rising medical costs and potential loss of enhanced federal premium subsidies. Without intervention, these escalating premiums could drastically affect affordability for millions, with some policyholders at risk of experiencing up to a 75% rise in out-of-pocket expenses. This perfect storm of rising costs could pressure both Kimberly-Clark's employees and consumers, impacting the overall demand for its healthcare-related products. Click here to learn more

'Kimberly-Clark employees nearing retirement should consider cities like Cary, North Carolina, that balance affordable living, great weather, and top-tier healthcare, as these factors are essential in ensuring a financially comfortable and healthy retirement.' – Wesley Boudreaux, a representative of The Retirement Group, a division of Wealth Enhancement Group.

'Retirees from Kimberly-Clark companies should prioritize locations that offer both cost-effective living and excellent healthcare, such as Cary, North Carolina, ensuring a fulfilling and stable retirement experience.' – Patrick Ray, a representative of The Retirement Group, a division of Wealth Enhancement Group.

In this article, we will discuss:

  1. The best affordable cities for retirement, with a focus on Cary, North Carolina.

  2. How weather and cost of living are key factors for Kimberly-Clark employees planning their retirement.

  3. The importance of healthcare access in choosing a retirement destination.

Combining great weather with affordability, Cary, North Carolina, has emerged as one of the top spots for Kimberly-Clark employees planning their retirement. Located just nine miles west of Raleigh, this charming city offers retirees a year-round climate with temperatures between 32°F and 89°F. With an average monthly cost of living of $3,615, Cary provides an excellent balance of affordable housing and beautiful weather—two key considerations for Kimberly-Clark employees looking to make the most of their retirement years.

Cary's exceptional quality of life is reflected in its impressive livability score of 90 out of 100. The city offers a community that supports retirees, with 12% of its population being over 65, according to GoBankingRates. The temperature is generally mild, though seasonal fluctuations are expected, with the hottest months being late May through early October. Despite some fluctuations, Cary's facilities, low crime rate, and healthcare services all earned favorable ratings, even though its cost of living score on AreaVibes was slightly lower.

Cary is not the only city with the perfect mix of affordability and great weather for retirement. For example, Metairie, Louisiana, scored 84 out of 100 on the livability scale. This city boasts a reasonably low cost of living, a mild climate, and a hint of Southern charm. For Kimberly-Clark retirees seeking relief from the hotter Southern U.S., Perry Hall, Maryland, is an excellent option due to its consistently milder temperatures.

With its reasonably priced housing and dry, sunny climate, Laughlin, Nevada, offers the lowest anticipated monthly cost of living on the list for retirees who are considering the desert lifestyle. In contrast, Oro Valley, Arizona, located in the heart of the Sonoran Desert, is particularly attractive to retirees, with more than one-third of its population being 65 or older. The area's year-round, outdoor-friendly temperatures further enhance its appeal.

Although Florida remains a popular retirement destination, the living costs in cities like Miami and Orlando can surpass $60,000 annually. High real estate prices and increasing property taxes might deter some retirees from making the move. For those still drawn to Florida's warm climate, alternatives like Perry Hall and Metairie offer similar weather conditions but at a more affordable cost of living.

GoBankingRates compiled a detailed list of affordable and appealing retirement destinations in 2024 by evaluating cities on several criteria, including rent, weather, cost of living, and overall desirability. At the top of the list is Cary, North Carolina, with its active retiree community and temperate climate. Laughlin, Nevada, and Oro Valley, Arizona, also stand out as great retirement options, showcasing that there are plenty of affordable places to retire while still enjoying a comfortable and pleasant lifestyle.

When planning retirement, Kimberly-Clark employees must strike a balance between living costs and a healthy, active environment. Whether in Cary or another well-regarded location, retirement planning should factor in both lifestyle preferences and financial considerations to help create a fulfilling retirement experience.

In addition to affordability and pleasant weather, healthcare access plays a critical role in selecting a retirement location. Cary, North Carolina, stands out for its top-notch healthcare offerings, including facilities like WakeMed Cary Hospital. U.S. News & World Report (March 2024) named Cary as a top choice for retirees who value both financial stability and healthcare quality, making it an ideal place for Kimberly-Clark employees nearing retirement.

If you're looking for an affordable and desirable retirement destination, Cary, North Carolina, with its 90/100 livability score, is one of the best cities for retirees. Offering a mild climate, affordable living costs, and excellent healthcare services, it's a standout location. Other affordable places with favorable weather for retirement include Metairie, Louisiana, and Oro Valley, Arizona. Discover why these cities are gaining popularity due to their appealing combination of amenities, climate, and affordability.

Choosing the right retirement destination is much like selecting the perfect vacation spot: it should offer the amenities you desire, such as great weather, reasonable prices, and convenient access to the services you need. Like a year-round vacation, cities like Cary, North Carolina, and Metairie, Louisiana, provide a perfect mix of relaxation, adventure, and practicality, allowing Kimberly-Clark retirees to enjoy both financial comfort and peace of mind. These locations promise a long-term 'staycation' with affordable living, pleasant weather, and excellent healthcare throughout the year.

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Sources:

1. GoBankingRates.  “12 Surprisingly Affordable Cities With Great Weather for Retirees.”  GoBankingRates , October 2024, pp. 1-2.

2. U.S. News & World Report.  “The 2 Best Independent Living Communities in Cary, NC.”  U.S. News & World Report , March 2025, pp. 1-3.

3. Investopedia.  “Why Arizona Could Be the Perfect Retirement Destination for You.”  Investopedia , May 2025, pp. 1-2.

4. CarePatrol.  “Beyond Cost: A Different Perspective on Choosing a Retirement Location.”  CarePatrol , April 2025, pp. 1-2.

5. Nasdaq.  “Retirement Relocation: Choosing the Perfect Place to Call Home.”  Nasdaq , April 2025, pp. 1-2.

What is the 401(k) plan offered by Kimberly-Clark?

The 401(k) plan offered by Kimberly-Clark is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

How does Kimberly-Clark match employee contributions to the 401(k) plan?

Kimberly-Clark provides a matching contribution to the 401(k) plan, which typically matches a percentage of what employees contribute, up to a specified limit.

Can employees at Kimberly-Clark choose how their 401(k) contributions are invested?

Yes, employees at Kimberly-Clark can choose from a variety of investment options within the 401(k) plan to align with their retirement goals.

When can employees at Kimberly-Clark enroll in the 401(k) plan?

Employees at Kimberly-Clark can enroll in the 401(k) plan during their initial onboarding period or during designated open enrollment periods.

Is there a vesting schedule for Kimberly-Clark's 401(k) matching contributions?

Yes, Kimberly-Clark has a vesting schedule for matching contributions, meaning employees must work for the company for a certain period before they fully own the matched funds.

What is the maximum contribution limit for Kimberly-Clark's 401(k) plan?

The maximum contribution limit for Kimberly-Clark's 401(k) plan is subject to IRS regulations, which are updated annually. Employees should refer to the latest guidelines for specific limits.

Does Kimberly-Clark offer any financial education resources for employees regarding their 401(k)?

Yes, Kimberly-Clark provides financial education resources and tools to help employees make informed decisions about their 401(k) savings and investments.

Can employees take loans against their 401(k) savings at Kimberly-Clark?

Yes, Kimberly-Clark allows employees to take loans against their 401(k) savings, subject to specific terms and conditions outlined in the plan.

What happens to my 401(k) if I leave Kimberly-Clark?

If you leave Kimberly-Clark, you have several options for your 401(k), including rolling it over to another retirement account, cashing it out, or leaving it in the Kimberly-Clark plan if allowed.

How often can employees change their contribution amounts to the 401(k) at Kimberly-Clark?

Employees at Kimberly-Clark can typically change their contribution amounts to the 401(k) plan during designated enrollment periods or as specified by the plan guidelines.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Kimberly-Clark offers both a defined benefit pension plan and a defined contribution plan. The defined benefit plan provides retirement income based on years of service and compensation, with benefits frozen but payable upon reaching specific milestones. In 2015, the company transferred payment responsibilities for retirees to Prudential and MassMutual.
Restructuring and Layoffs: Kimberly-Clark announced it will lay off approximately 1,000 employees globally as part of a restructuring plan to improve operational efficiency (Source: Reuters). Cost Management: The company aims to save $500 million annually through these measures. Financial Performance: Kimberly-Clark reported a 5% increase in net sales for Q3 2023, driven by strong demand for personal care products (Source: Kimberly-Clark).
Kimberly-Clark grants RSUs that vest over time, providing shares upon meeting vesting conditions. Stock options are also part of their compensation plan, allowing employees to purchase shares at a fixed price.
Kimberly-Clark has been actively enhancing its employee healthcare benefits to adapt to the current economic, investment, tax, and political environment. In 2022, the company introduced several new healthcare initiatives aimed at improving employee well-being. These included comprehensive health insurance plans covering medical, dental, and vision care, along with mental health support through Employee Assistance Programs. The company also offered flexible work arrangements and wellness programs to help employees manage stress and maintain a healthy work-life balance. These enhancements reflect Kimberly-Clark's commitment to fostering a supportive and healthy workplace, which is essential for maintaining productivity and morale in a competitive market. In 2023, Kimberly-Clark continued to build on these initiatives by introducing additional benefits, such as increased access to telemedicine services and expanded support for mental health and wellness. The company's focus on employee healthcare aligns with its broader strategy to create a resilient and engaged workforce capable of navigating the complexities of the current economic landscape. These efforts are particularly important given the ongoing economic uncertainties and the increasing importance of employee well-being in driving business success. By investing in comprehensive healthcare benefits, Kimberly-Clark aims to attract and retain top talent, ensuring long-term sustainability and growth.
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For more information you can reach the plan administrator for Kimberly-Clark at 100 centurylink drive Monroe, LA 71203; or by calling them at 800-871-9244.

https://annualreport.stocklight.com/nyse/kmb/23601986.pdf - Page 5, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2022.pdf - Page 12, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2023.pdf - Page 15, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2024.pdf - Page 8, https://www.kimberly-clark.com/documents/benefits-guide-2023.pdf - Page 22, https://www.kimberly-clark.com/documents/benefits-guide-2024.pdf - Page 28, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2022.pdf - Page 20, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2023.pdf - Page 14, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2024.pdf - Page 17, https://www.kimberly-clark.com/documents/healthcare-plan-2023.pdf - Page 23

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