Healthcare Provider Update: Waters provides health insurance coverage to its U.S.-based employees through a selection of medical plans that include options for dental, vision, and life insurance. Employees can access Health Savings Accounts (HSAs) with employer contributions, along with wellness programs, disability coverage, and retirement savings plans. The company emphasizes preventive care and offers resources to support physical and mental well-being. Waters Healthcare costs in the United States are projected to continue rising through 2026, with insurers proposing significant premium increases for Affordable Care Act (ACA) plans. A recent analysis found that ACA insurers are seeking a median premium increase of 15% for 2026, marking the largest hike since 2018. This surge is attributed to factors such as the anticipated expiration of enhanced premium tax credits, rising medical costsincluding expensive medications and increased hospital staysand a shift in the risk pool towards higher-cost enrollees. Without the renewal of enhanced subsidies, out-of-pocket premiums for ACA marketplace enrollees could increase by more than 75% on average. Click here to learn more
The American landscape is dotted with small towns that offer a unique blend of nostalgia, tradition, and modern living. These towns provide an idyllic setting for Waters retirees seeking a blend of comfort, culture, and convenience. With populations ranging from under 10,000 to several times that, these towns are characterized not just by their size, but also by their distinct lifestyle and strong sense of community. This exploration takes into account various factors crucial for a fulfilling Waters retirement life, including cost of living, crime rates, healthcare facilities, housing options, and cultural and recreational activities.
1. Greer, South Carolina
Greer, with a population of about 39,000, epitomizes small-town charm with a revitalized downtown area, abundant recreational activities, and a range of cultural events. Its strategic location near Greenville-Spartanburg International Airport and Amtrak services enhances its accessibility.
2. Coolidge, Arizona
Set in the Sonoran Desert, Coolidge is a haven for those preferring a desert climate. With just over 14,700 residents, it offers a lower cost of living than the national and Arizona average. The town is also notable for the Casa Grande Ruins National Monument and Central Arizona College's community educational programs.
3. Dillsboro, North Carolina
Nestled on the banks of the Tuckasegee River, Dillsboro is a historic railroad town with fewer than 300 residents. Its 19th-century charm is complemented by a variety of arts and crafts centered activities. The cost of living here aligns with the national average, and Asheville is less than an hour away for Waters retirees seeking urban amenities.
4. Fredericksburg, Texas
This town, in the heart of Texas Hill Country, has a rich German heritage. Home to over 100 wineries and designated as a Dark Sky Community, Fredericksburg offers a diverse cultural experience. It is also conveniently located within 70 miles of San Antonio and Austin.
5. Cedar Key, Florida
A quintessential small Florida town, Cedar Key boasts a population of fewer than 900. It is renowned for its tranquil environment, proximity to nature reserves, and a rich seafood culture. The town's low to moderate cost of living is an added advantage.
6. Paso Robles, California
Positioned between San Francisco and Los Angeles, Paso Robles is known for its wineries, vibrant downtown area, and a variety of outdoor activities. It provides a perfect blend of rural charm and urban convenience.
7. Stroudsburg, Pennsylvania
Located in the Pocono Mountains, Stroudsburg offers a mix of historical and modern amenities with a population of fewer than 6,000. The town is a hub for local arts and crafts and provides various family-oriented activities.
8. Mequon, Wisconsin
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Mequon, near Milwaukee, offers a balance of open spaces and urban amenities. The Village of Thiensville within Mequon is a focal point for community events and local celebrations, enhancing its small-town appeal.
9. Bristol, Vermont
Bristol, with less than 4,000 residents, is a New England town known for its scenic beauty and vibrant community events. It offers a tranquil environment with a historic downtown area.
10. Hamilton, Montana
Hamilton is ideal for active Waters retirees who love the outdoors. With fewer than 5,000 residents, it offers a rural lifestyle with the convenience of a nearby city, Missoula. The town is noted for its historical museum and local college.
These towns offer a unique combination of affordability, safety, wellness, and cultural richness, making them attractive destinations for Waters retirees seeking a simpler yet fulfilling lifestyle. They each provide a distinctive living experience, ensuring that every retiree can find a town that best suits their preferences and lifestyle needs.
A notable trend among retirees, particularly those from high-level corporate backgrounds, is the increasing interest in 'lifelong learning' opportunities offered in small towns. For example, Fredericksburg, Texas, not only offers cultural and wine experiences but is also in proximity to several colleges offering a range of adult education courses. This aligns with a study by the National Center for Education Statistics, which found that individuals over 50 are increasingly enrolling in courses for personal growth, skill development, and intellectual stimulation. This trend underlines the appeal of small towns that provide not just leisure but also avenues for continuous learning and engagement (National Center for Education Statistics, 2022).
Discover the top small towns in the U.S. perfect for Waters retirees seeking a blend of tranquility, cultural richness, and lifestyle convenience. Explore our curated list of destinations, from Greer, South Carolina's charming downtown to Fredericksburg, Texas, a haven for wine lovers and lifelong learners. Uncover hidden gems like Dillsboro, North Carolina, for its historic charm, and Cedar Key, Florida, for its serene coastal life. Learn about each town's unique offerings, including healthcare, safety, and cost of living. Ideal for those planning retirement or seeking a peaceful getaway. Dive into our guide to find your perfect small-town retirement haven.
Selecting a small town for retirement is akin to choosing the perfect wine from a well-curated cellar. Just as a connoisseur selects a wine that suits their palate, balancing notes of flavor, aroma, and vintage, so too does a retiree choose a town that harmonizes with their lifestyle, interests, and needs. Each town, like each bottle of wine, has its unique character and charm. From the historic and culturally rich streets of Fredericksburg, Texas, reminiscent of a robust, aged Bordeaux, to the tranquil, seaside serenity of Cedar Key, Florida, echoing the crisp freshness of a Pinot Grigio, the choice caters to the diverse tastes of those seasoned in life and looking for the perfect blend of comfort, culture, and community in their retirement years.
What is the primary purpose of Waters' 401(k) Savings Plan?
The primary purpose of Waters' 401(k) Savings Plan is to help employees save for retirement through tax-advantaged contributions.
Who is eligible to participate in Waters' 401(k) Savings Plan?
All full-time employees of Waters are eligible to participate in the 401(k) Savings Plan after completing a specified period of service.
Does Waters offer a company match for contributions to the 401(k) Savings Plan?
Yes, Waters offers a company match for employee contributions to the 401(k) Savings Plan, subject to certain limits.
How can employees enroll in Waters' 401(k) Savings Plan?
Employees can enroll in Waters' 401(k) Savings Plan through the company’s benefits portal or by contacting the HR department for assistance.
What types of contributions can employees make to Waters' 401(k) Savings Plan?
Employees can make pre-tax contributions, Roth (after-tax) contributions, and may also have the option for catch-up contributions if they are age 50 or older.
Are there any fees associated with Waters' 401(k) Savings Plan?
Yes, Waters' 401(k) Savings Plan may have administrative fees, investment fees, and other costs that are disclosed in the plan documents.
How often can employees change their contribution rates to Waters' 401(k) Savings Plan?
Employees can change their contribution rates to Waters' 401(k) Savings Plan during designated enrollment periods or as permitted by the plan guidelines.
What investment options are available in Waters' 401(k) Savings Plan?
Waters' 401(k) Savings Plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.
Can employees take loans against their 401(k) accounts at Waters?
Yes, Waters allows employees to take loans against their 401(k) accounts, subject to specific terms and conditions outlined in the plan.
What happens to my 401(k) savings if I leave Waters?
If you leave Waters, you have several options for your 401(k) savings, including rolling it over to another retirement account, cashing it out, or leaving it in the Waters plan if permitted.