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How Mondelez International Retirees Are Using AI to Simplify Everyday Life

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Healthcare Provider Update: Healthcare Provider for Mondelez International Mondelez International primarily utilizes Aetna as their healthcare provider for employee health insurance coverage. Potential Healthcare Cost Increases for Mondelez International in 2026 Looking ahead to 2026, Mondelez International employees may face significant increases in healthcare costs. Factors contributing to this rise include anticipated premium hikes in the Affordable Care Act (ACA) marketplace, with some states expecting increases over 60%. Additionally, a substantial number of employers, including Mondelez, are projected to pass on more healthcare costs to employees by raising deductibles and out-of-pocket maximums. As a result, employees must prepare for the possibility of sharp out-of-pocket expenses, necessitating careful planning and awareness of benefit changes to mitigate potential financial strains. Click here to learn more

'Artificial intelligence is helping many Mondelez International 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.

'Mondelez International 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:

  1. How artificial intelligence (AI) is helping Mondelez International retirees simplify daily life and handle complex tasks.

  2. The ways AI can enhance health, home, and financial organization in retirement.

  3. Why retirees are increasingly confident using AI to boost efficiency and reclaim valuable time.

Many Mondelez International 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 Mondelez International’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 Mondelez International 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 Mondelez International 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 Mondelez International, 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 Mondelez International 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 is the 401(k) plan offered by Mondelez International?

The 401(k) plan at Mondelez International is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

How can employees enroll in Mondelez International's 401(k) plan?

Employees can enroll in Mondelez International's 401(k) plan by accessing the employee benefits portal or contacting the HR department for guidance.

Does Mondelez International offer a company match for the 401(k) contributions?

Yes, Mondelez International offers a company match for employee contributions to the 401(k) plan, helping to boost retirement savings.

What are the eligibility requirements for Mondelez International's 401(k) plan?

To be eligible for Mondelez International's 401(k) plan, employees typically need to meet certain criteria, such as being a full-time employee and completing a specific period of service.

What investment options are available in Mondelez International's 401(k) plan?

Mondelez International's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and company stock, allowing employees to diversify their portfolios.

Can employees take loans against their 401(k) at Mondelez International?

Yes, Mondelez International allows employees to take loans against their 401(k) balance under certain conditions, providing flexibility for financial needs.

What is the vesting schedule for Mondelez International's 401(k) plan?

Mondelez International has a vesting schedule that determines how much of the company match employees can keep if they leave the company, typically based on years of service.

How can employees change their contribution percentage to Mondelez International's 401(k) plan?

Employees can change their contribution percentage to Mondelez International's 401(k) plan by logging into the benefits portal or contacting HR for assistance.

When can employees start withdrawing from their Mondelez International 401(k) plan?

Employees can generally start withdrawing from their Mondelez International 401(k) plan without penalty at age 59½, subject to specific plan rules.

Does Mondelez International provide financial education regarding the 401(k) plan?

Yes, Mondelez International offers resources and financial education programs to help employees understand their 401(k) options and make informed decisions.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Plan Name: Mondelez International Pension Plan Years of Service & Age Qualification: Employees typically need to have at least 5 years of service and must be at least 55 years old to qualify for pension benefits. Pension Formula: The pension benefit is calculated based on years of service and final average salary. The formula used is generally a percentage of the average salary over a specified period multiplied by the number of years of service. Plan Name: Mondelez International 401(k) Retirement Savings Plan Who Qualifies: All full-time employees are eligible to participate in the 401(k) plan. 401(k) Plan Details: Mondelez International offers a standard 401(k) plan with matching contributions. Employees can contribute a percentage of their salary up to the maximum allowed by law. Mondelez typically matches a portion of employee contributions.
Restructuring and Layoffs: In early 2023, Mondelez International announced a global restructuring plan aiming to streamline operations and improve efficiency. This plan included a reduction of approximately 3% of its workforce globally. The restructuring is part of the company's strategy to adapt to shifting market demands and operational challenges. It’s essential for employees and investors to stay informed about these changes due to their potential impact on job security and the company's financial health. Benefit and Pension Changes: Mondelez has also been updating its employee benefit programs and pension plans. Recent reports indicate changes to the company's 401(k) matching contributions and modifications to retirement benefits. The adjustments are designed to enhance financial stability and align with broader industry trends. Given the current economic conditions and evolving tax regulations, understanding these changes is vital for planning personal finances and retirement strategies.
Mondelez International typically offers stock options and RSUs to its employees as part of its compensation package. In 2022, Mondelez International provided stock options and RSUs to a select group of employees, including executives and senior management. The stock options allowed employees to purchase company stock at a set price, while RSUs granted shares that vest over time. Source: Mondelez International Annual Report 2022, Page 45.
Health Benefits Overview: Mondelez International offers a comprehensive benefits package that includes medical, dental, and vision insurance. Employees can choose from various plans based on their needs. Recent Updates: As of 2024, Mondelez International has updated their health benefits to include enhanced mental health support, expanded telemedicine options, and a focus on preventive care.
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