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Charting GXO Logistics Retirement Success: Five Essential Reads

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Healthcare Provider Update: Healthcare Provider for GXO Logistics GXO Logistics employees utilize the services provided through various health insurance companies, particularly those participating in the Affordable Care Act (ACA) marketplace. These providers vary by location and may include major insurers like UnitedHealthcare, Anthem, and others, depending on the state in which the employees reside. Anticipated Healthcare Cost Increases in 2026 As employees of GXO Logistics prepare for 2026, they should brace for considerable healthcare cost increases driven primarily by surging insurance premiums in the ACA marketplace. Reports indicate that many states will experience steep hikes, with some insurers proposing increases exceeding 60%. This trend is largely attributed to rising medical costs, projected losses of enhanced federal premium subsidies, and the pressure on employers to shift more healthcare costs onto workers. As a result, GXO Logistics employees could face significantly higher out-of-pocket expenses, making it crucial to review benefit selections and options available early in the upcoming enrollment period. Click here to learn more

“By integrating disciplined market strategies, proactive healthspan practices, and a clear sense of purpose, GXO Logistics employees can create a retirement plan resilient enough to weather uncertainty and enrich their post-career life” – Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

“GXO Logistics employees who blend disciplined saving approaches with proactive healthspan management are poised to achieve both financial confidence and improved well-being” – Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article we will discuss:

  1. The challenges of market volatility, rising health care costs, and potential entitlement changes on retirement planning.

  2. Five must-read books offering strategies on investing, longevity, benefit planning, and lifestyle alignment.

  3. How to integrate financial discipline, healthspan management, and purposeful living for a fulfilling retirement.

For those who are saving for the future, these are uncertain times. Concerns about whether current nest egg tactics will be adequate have increased due to volatile markets, growing health care expenses, and continuous talks about possible reductions to government entitlements. Twenty-five percent of adults with retirement savings have only saved one year’s worth of their current income for the years ahead, according to research by Northwestern Mutual. 1

The financial or lifestyle planning book is one tool that is frequently overlooked during times of market volatility. In addition to providing timeless truths, a well-chosen title can offer readers practical advice, serve as a reminder of important ideas, and present fresh approaches to decision-making. Senior advisors at Wealth Enhancement—Patrick Ray, Tyson Mavar, and Brent Wolf—have chosen the following five books to aid GXO Logistics professionals in navigating the current environment because of their blend of academic rigor and usefulness.

Mastering the Market Cycle  by Howard Marks explores the psychological factors that influence cyclical changes in asset values. According to Marks, investor sentiment—which fluctuates between excitement and fear—often determines the timing and size of market movements, even when underlying value is important. “Fear can take over; it’s to be expected during the lifetime of any long-term investor,” says Brent Wolf. Long-term objectives can be safeguarded by knowing when and why to rebalance or de-risk a portfolio, even though market timing is still difficult to anticipate. GXO Logistics employees can benefit from the clear distinction this book makes between purely emotional reactions and strategic adjustments, essential for remaining disciplined when prices change.

Winning the Loser’s Game  by Charles D. Ellis is sometimes written off as outdated, but it still holds valuable lessons. Tyson Mavar praises it as an “unsung classic,” highlighting how it reinforces core investing principles that have stood the test of time. Ellis promotes long-term dedication, diversification, and steering clear of expensive practices like market timing. His strongest endorsement is for passive investing with inexpensive index funds, which can shield investors from transient noise. For GXO Logistics staff seeking to focus on techniques that boost compounding power and lessen the drag of fees and emotional trading, this book offers a timeless roadmap.

Outlive: The Art and Science of Living a Long Life  by Dr. Peter Attia and Bill Gifford reminds readers that physical health directly impacts retirement readiness. “What good is a healthy portfolio if your body can’t keep up?” asks Patrick Ray. Drawing on clinical data and epidemiological studies, the authors provide evidence-based suggestions for increasing lifespan and healthspan—strength training, mobility exercises, optimal sleep, and targeted nutrition. Actionable procedures for evaluating metabolic health, increasing muscle resilience, and reducing chronic disease risk can help GXO Logistics team members better match longevity forecasts with retirement funding plans and lower the likelihood of incapacitating health events.

Cookin’ Up Your Retirement Plan  by Marcia MacDonald Mantell approaches Medicare and Social Security elections in a conversational, kitchen-table manner. Tyson Mavar also recommends her sequels— What’s the Deal With Women’s Social Security?  and  Developing Your Medicare Recipe —for anyone seeking guidance on making the most of benefits. Mantell breaks down complex regulations into manageable chunks, reducing the possibility of costly errors. While these books don’t directly address market volatility, they reinforce that successful retirement from companies like GXO Logistics depends on more than just investment returns; it also requires well-informed decisions and careful lifestyle alignment.

The Good Life  by Dr. Robert Waldinger and Marc Schulz shifts the emphasis from balance sheets to life satisfaction. Based on an 80-year Harvard study of adult development, it finds that strong connections, meaningful hobbies, and community involvement often indicate long-term happiness more powerfully than financial prosperity. According to Patrick Ray, this book serves as an essential reminder for GXO Logistics retirees that money is just one component of a fulfilling retirement. Cultivating purpose, social ties, and enriching interests can yield non-linear returns unmatched by any portfolio.

When combined, these five books offer complementary perspectives on investment methodology, market behavior, healthspan management, and the socioeconomic factors influencing retirement decision-making. Each title has been recommended by seasoned advisors who have guided clients through both bull and bear markets, offering GXO Logistics employees lessons on purpose, cost-effective investing, preventive health care, efficient benefit management, and emotional discipline.

And here's one bonus publication: With more than 1.5 million copies in circulation, Morgan Housel’s  The Psychology of Money  was placed #1 on BookWeb’s Indie Personal Finance Bestseller List in April 2025, reflecting growing demand for behavior-focused investment insights that supplement conventional planning techniques.

Discover five highly regarded retirement planning books that provide professional insights on market cycles, passive index fund strategies, longevity optimization, Social Security elections, and Medicare planning—equipping GXO Logistics pre-retirees and retirees with tried-and-true advice for long-term retirement resilience and portfolio fortitude.

Consider the process of preparing a solid ocean vessel for a long journey: understanding the market cycle gives you the compass you need to navigate choppy waters;  Winning the Loser’s Game  supplies the provisions and medical kit to endure the journey;  Outlive  strengthens the hull against health risks;  Cookin’ Up Your Retirement Plan  equips your lifeboats with Social Security and Medicare expertise; and  The Good Life  charts rewarding ports of call—helping you sail comfortably through both calm seas and storms for GXO Logistics professionals.

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Sources:

1. Northwestern Mutual.  Planning & Progress Study 2025 . 14 Apr. 2025, pp. 1–2.

Other Resources:

1. Baker, Brian F. “ Principles of Investing .”  Marriott Alumni Magazine , BYU Marriott School, June 2025, pp. 9–10.

2. Kennedy, Robert. “ 2024 Retiree Health Care Cost Estimate .”  Fidelity Investments , 8 Aug. 2024, pp. 1–2.

3. LeValley, Donna. “ Five Changes to Social Security in 2025 .”  Kiplinger , 3 Jan. 2025, pp. 1–2.

What is the 401(k) plan offered by GXO Logistics?

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

How can I enroll in the 401(k) plan at GXO Logistics?

Employees can enroll in the GXO Logistics 401(k) plan by completing the enrollment form available on the company’s HR portal or by contacting the HR department for assistance.

Does GXO Logistics offer a company match for the 401(k) contributions?

Yes, GXO Logistics offers a company match for employee contributions to the 401(k) plan, which helps employees maximize their retirement savings.

What is the vesting schedule for the GXO Logistics 401(k) company match?

The vesting schedule for the GXO Logistics 401(k) company match typically follows a graded vesting schedule, where employees earn ownership of the company match over a period of years.

Can I change my contribution percentage to the GXO Logistics 401(k) plan?

Yes, employees can change their contribution percentage to the GXO Logistics 401(k) plan at any time by submitting a request through the HR portal.

What types of investment options are available in the GXO Logistics 401(k) plan?

The GXO Logistics 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

When can I start withdrawing funds from my GXO Logistics 401(k) account?

Employees can start withdrawing funds from their GXO Logistics 401(k) account without penalty after reaching the age of 59½, although there are specific rules regarding hardship withdrawals.

How does GXO Logistics handle loan provisions in the 401(k) plan?

The GXO Logistics 401(k) plan allows employees to take loans against their account balance, subject to certain limits and repayment terms.

Is there a minimum contribution requirement for the GXO Logistics 401(k) plan?

Yes, there is a minimum contribution requirement for the GXO Logistics 401(k) plan, which is typically set at a percentage of the employee's salary.

What happens to my GXO Logistics 401(k) account if I leave the company?

If you leave GXO Logistics, you can choose to roll over your 401(k) balance to another retirement account, cash out your balance (subject to taxes and penalties), or leave it in the GXO Logistics plan if you have a sufficient balance.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Pension Plan Name of Pension Plan: GXO Logistics does not appear to offer a traditional defined benefit pension plan. The company primarily provides a 401(k) plan for retirement savings. Years of Service and Age Qualification: Not applicable for a traditional pension plan as GXO Logistics does not provide one. Pension Formula: Not applicable as there is no traditional pension plan. Source Document: Information on the lack of a traditional pension plan is available in the company's annual report and benefits guide. 401(k) Plan Name of 401(k) Plan: GXO Logistics 401(k) Plan Qualification Criteria: Employees are generally eligible to participate in the 401(k) plan after 30 days of employment. Eligibility details may vary based on employment status and job role. 401(k) Plan Details: The company matches contributions up to a certain percentage of employee contributions. Specific match rates and contribution limits are detailed in the plan documents.
GXO Logistics has been undergoing significant restructuring in 2023, focusing on optimizing its operations and expanding its technology-driven logistics solutions. The company announced a series of layoffs as part of its efforts to streamline operations and reduce costs. This restructuring move is aimed at enhancing operational efficiency and positioning the company for future growth in the evolving logistics market. As economic and investment conditions fluctuate, it's crucial to stay informed about such developments. Changes in company structure and workforce can have broader implications for the job market and investment landscape.
GXO Logistics Stock Options: GXO Logistics typically offers stock options to executives and key employees as part of their compensation package. The specific terms of these options, including vesting schedules and exercise prices, are detailed in the company’s annual proxy statements and financial reports. RSUs: GXO Logistics provides RSUs to a broader range of employees, including senior management and high-performing employees. The vesting of RSUs usually occurs over a period of several years, with the specific vesting conditions outlined in the company’s equity compensation plan.
Company Official Website Healthcare Coverage: GXO Logistics offers a range of health benefits including medical, dental, and vision insurance. Plans often include options for Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). Terms and Acronyms: HSA: Health Savings Account FSA: Flexible Spending Account HDHP: High Deductible Health Plan EAP: Employee Assistance Program LinkedIn Healthcare Plans: Information on LinkedIn highlights that GXO provides comprehensive health plans that may include wellness programs and preventive care services. Employee Feedback: Reviews mention that benefits are competitive, but the extent of coverage can vary depending on the employee's role and location. Glassdoor Benefits Details: Employees have reported that GXO offers a standard benefits package including medical, dental, and vision insurance, with some flexibility in choosing plans. There are also mentions of additional perks like wellness initiatives. Recent Updates: No major changes to health benefits were noted in recent reviews. Indeed Healthcare Benefits: Similar to other sources, Indeed confirms GXO’s provision of health insurance options including HSAs and FSAs. Employee reviews often highlight the benefits package as a positive aspect of working for GXO. Acronyms: Commonly used terms include PPO (Preferred Provider Organization) and EPO (Exclusive Provider Organization). Company News Outlets Recent Employee Healthcare News: GXO has been focusing on enhancing employee wellness programs. Recent news includes investments in mental health resources and expanding telemedicine options. No significant recent changes to core health benefits were reported.
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