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

How Ingles Markets Retirees Are Using AI to Simplify Everyday Life

Healthcare Provider Update: Ingles Markets, a regional grocery store chain, partners with UnitedHealthcare for its employee healthcare benefits. As we look ahead to 2026, potential healthcare cost increases for Ingles Markets and similar employers are concerning. The projected rise in health insurance premiums linked to the Affordable Care Act (ACA) suggests many employees could see out-of-pocket costs soar by over 75%. This surge is driven by several factors, including higher medical expenses, the potential expiration of enhanced federal subsidies, and significant rate hikes from major insurers, all of which combine to create a challenging financial landscape for both employers and their employees. Click here to learn more

'Artificial intelligence is helping many Ingles Markets employees simplify their transition into retirement by organizing finances and daily routines, but the key is to use these tools as support—not substitution—for thoughtful planning and professional guidance.' — Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

'Ingles Markets employees are finding that AI can streamline everything from budgeting to wellness, but lasting success in retirement comes from combining technology’s efficiency with informed financial decision-making.' — Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

How artificial intelligence (AI) is helping Ingles Markets retirees simplify daily life and handle complex tasks.
The ways AI can enhance health, home, and financial organization in retirement.
Why retirees are increasingly confident using AI to boost efficiency and reclaim valuable time.

Many Ingles Markets retirees are discovering that slowing down isn’t always easy, despite looking for respite from decades of early mornings, complex undertakings, and global operations. Handling investments, planning vacations, and staying organized can still feel demanding during retirement.

That’s where artificial intelligence (AI) has stepped in. What once seemed futuristic is now a practical tool for Ingles Markets’s retired professionals who want to streamline routines and reclaim valuable time.

According to Wealth Enhancement financial planner Kevin Won, CFP®, AWMA®, CRPC®, “we’re seeing older adults experimenting with AI tools for efficiency. They understand that these tools can help them reclaim time, which is one of life’s most precious resources.”

Simplifying Complex Tasks

While still in the workforce, AI is helping Ingles Markets employees transform their daily workflow. Tasks that once took hours—such as reviewing financial reports or tracking industry or market data—now take minutes with the help of AI assistants that can summarize data, highlight key performance trends, and draft personal reports.

Others are using AI to enhance their personal lives. For instance, with an AI-powered trip planner, it's possible to enter your preferred travel destinations, dates, and hobbies, and have the chatbot design an itinerary for you complete with dining, sightseeing, and activity suggestions.

The same is true after retirement. “The retirees I work with value how AI brings order and clarity,” Won adds. “Whether it’s comparing health care options or managing monthly expenses, these tools can handle the heavy lifting so retirees can focus on other areas of their lives.”

Improving Health and Home Management

Many former Ingles Markets professionals are also turning to AI for personal wellness and home organization. Some use chatbots for home maintenance guidance, while others leverage AI to build custom workout plans that adapt to travel schedules or physical limitations. These tools help retirees maintain consistency without needing advanced tech skills or expensive memberships.

According to Won, “AI can give older adults autonomy. They don’t need to wait for instruction or assistance. Technology enables them to take the lead in their daily lives, including finances and health care choices.”

A Modern Assistant for Financial Confidence

Retirees can also use AI to help arrange their financial information before meetings with advisors. From summarizing financial articles to preparing questions, AI helps retirees save time while staying informed. Some even use it as a digital filing assistant, categorizing tax documents, receipts, and travel logs for the upcoming year.

Won cautions, however, that “AI should be viewed as guidance, not a promise. It’s a powerful assistant, but it can still make errors—especially on topics like health or finance—so always double-check important information.”

From Skepticism to Confidence

While some retirees were initially hesitant to adopt AI, many have now incorporated it into their routines. Surveys show that, while older generations are slower to adopt new technologies, comfort and usage are steadily rising.¹

Won explains, “Retirees who’ve spent decades adapting to innovation in corporate environments, like Ingles Markets, already have the resilience and mindset needed to learn new tools. Now, AI works for them—reducing complexity, not adding to it.”

A Smart Way to Simplify Retirement

For many retirees, using AI is about boosting productivity, not just curiosity. Automating travel planning, organizing budgets, and reducing decision fatigue can make retirement more manageable and less stressful.

According to Won, “you’re really adding peace of mind when you integrate smart tools into daily life. The goal isn’t to master the technology. It’s to let it operate behind the scenes so you can focus on what matters most.”

If you’re a Ingles Markets retiree looking to organize your finances, streamline health care costs, or enjoy your retirement with fewer hassles, The Retirement Group can help. Call (800) 900-5867 to speak with a knowledgeable representative today.

For more information, visit WealthEnhancement.com or call Wealth Enhancement Group at (800) 492-1222 to speak with a Certified Financial Planner.

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Sources:

1. Kakulla, Brittne, Laura Skufca, Patty David, Jessica Boothe, and Kristen Garrett. ' Empowering Independence With Technology Among Adults Age 50-Plus .' Washington, DC: AARP Research, Jan. 2025.
2. “Young Adults Are Leading the Way in AI Adoption.” AP-NORC Center for Public Affairs Research, 29 July 2025.
3. Chui, Michael, et al. The Economic Potential of Generative AI: The Next Productivity Frontier. McKinsey Global Institute, June 2023.
4. Chatbots in Consumer Finance. Consumer Financial Protection Bureau, June 2023.
5. “Older Adults Express Mixed Views on Artificial Intelligence.” NORC at the University of Chicago, Oct. 2023.

What type of retirement plan does Ingles Markets offer to its employees?

Ingles Markets offers a 401(k) retirement savings plan to its employees.

How can employees of Ingles Markets enroll in the 401(k) plan?

Employees of Ingles Markets can enroll in the 401(k) plan by completing the enrollment process through the company's HR portal or by contacting the HR department for assistance.

Does Ingles Markets provide any matching contributions to the 401(k) plan?

Yes, Ingles Markets provides matching contributions to the 401(k) plan, subject to certain conditions and limits.

What is the eligibility requirement to participate in the Ingles Markets 401(k) plan?

Employees of Ingles Markets typically become eligible to participate in the 401(k) plan after completing a specified period of service, as outlined in the plan documents.

Can employees of Ingles Markets change their contribution percentage to the 401(k) plan?

Yes, employees of Ingles Markets can change their contribution percentage to the 401(k) plan at any time, following the guidelines set forth in the plan.

What investment options are available in the Ingles Markets 401(k) plan?

The Ingles Markets 401(k) plan offers a variety of investment options, including mutual funds, target date funds, and other investment vehicles.

Is there a loan provision available in the Ingles Markets 401(k) plan?

Yes, the Ingles Markets 401(k) plan may allow participants to take loans against their account balance, subject to specific terms and conditions.

At what age can employees of Ingles Markets begin to withdraw funds from their 401(k) plan without penalties?

Employees of Ingles Markets can typically begin to withdraw funds from their 401(k) plan without penalties at age 59½, following IRS regulations.

How does Ingles Markets communicate changes to the 401(k) plan to its employees?

Ingles Markets communicates changes to the 401(k) plan through employee newsletters, meetings, and updates on the HR portal.

Are there any fees associated with the Ingles Markets 401(k) plan?

Yes, there may be administrative and investment fees associated with the Ingles Markets 401(k) plan, which are detailed in the plan documents.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Name of Pension Plan: Ingles Markets does not appear to have a traditional defined benefit pension plan. Instead, they offer a 401(k) plan with company matching. Years of Service and Age Qualification: Ingles Markets primarily offers a 401(k) plan rather than a pension plan. For specific qualifications related to pension plans, further details would need to be reviewed from additional sources or contact Ingles Markets directly. Name of 401(k) Plan: Ingles Markets 401(k) Plan. Who Qualifies: Employees of Ingles Markets who are at least 21 years old and have completed 90 days of service are eligible to participate in the Ingles Markets 401(k) Plan. 401(k) Plan Details: Matching Contributions: Ingles Markets offers a match of 50% on the first 6% of employee contributions. Vesting: The employee’s contributions are always vested; company contributions vest according to a specified schedule.

Layoffs and Restructuring: In 2023, Ingles Markets underwent a significant restructuring plan aimed at optimizing their operations. The company announced a reduction in its workforce in several departments to streamline processes and cut costs. This move was largely driven by the need to adapt to changing market conditions and enhance efficiency. As economic pressures continue, such restructurings become crucial for companies to remain competitive and financially stable.

Ingles Markets offers stock options and RSUs as part of its compensation package. The stock options typically include stock option grants with specific vesting schedules. RSUs are awarded to certain employees based on performance and seniority.

Health Insurance: Ingles Markets offers health insurance plans, including medical, dental, and vision coverage. They provide options for both employees and their dependents. Flexible Spending Accounts (FSAs): Employees can use FSAs for medical expenses. 401(k) Retirement Plan: Includes company matching contributions. Paid Time Off: Includes vacation days, personal days, and sick leave. Employee Assistance Program (EAP): Provides support for personal and professional challenges.