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Why Toll Brothers Employees Can Thrive in Retirement Without a Bucket List

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The first few years of retirement are frequently a time of transitions for many, including those leaving Toll Brothers. It is a critical period that can influence the next few decades financially and emotionally. At the age of sixty-six, Wall Street Journal distinguished editor Stephen Kreider Yoder announced his retirement. His wife, sixty-seven-year-old Karen Kreider Yoder, followed suit. Their experiences, highlighted in the 'Retirement Rookies' column each month, demonstrate a departure from conventional retirement preparation. They emphasize crafting adaptable, meaningful experiences that serve as a foundation for future undertakings over following predetermined bucket lists.


This approach to retirement highlights a larger movement among individuals reimagining their post-employment years. By focusing on personal development and continual exploration, retirees can ensure a fuller, more satisfying experience. This narrative offers invaluable insights for Toll Brothers employees looking to maximize their life-changing retirement years.

Recent studies by the American Psychological Association (APA) underline the advantages of the Yoders' method of unstructured retirement planning. The research indicates that retirees adhering rigidly to their pre-planned bucket lists report lower levels of satisfaction and fulfillment compared to those who engage in activities based on their own interests and whims. This suggests that a flexible retirement lifestyle can lead to more fulfilling and significant experiences, an important consideration as employees transition from structured careers to the freedom of retirement.


In the Retirement Rookies column, Stephen and Karen Kreider Yoder share their journeys and offer a fresh perspective on retirement planning. Learn why they're passing on typical bucket lists in favor of flexible, meaningful experiences, and how this strategy might enhance your post-work years at Toll Brothers. Discover how embracing an unstructured retirement can lead to increased contentment and pleasure, setting the stage for a rewarding future.

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Forgoing a conventional retirement plan is akin to sailing a ship without a defined course. Retirees like the Yoders choose to navigate the waters of their golden years with the liberty to uncover new horizons as they appear, rather than charting every port of call. This method, much like a sailor discovering new adventures in uncharted waters, allows them to encounter unexpected joys and experiences, enriching each day with personal growth and satisfaction.

What type of retirement plan does Toll Brothers offer to its employees?

Toll Brothers offers a 401(k) retirement savings plan to its employees.

Does Toll Brothers match employee contributions to the 401(k) plan?

Yes, Toll Brothers provides a matching contribution to the 401(k) plan, helping employees maximize their retirement savings.

What is the eligibility requirement for Toll Brothers' 401(k) plan?

Employees of Toll Brothers are generally eligible to participate in the 401(k) plan after completing a specified period of service.

How can employees at Toll Brothers enroll in the 401(k) plan?

Employees at Toll Brothers can enroll in the 401(k) plan through the company’s benefits portal or by contacting the HR department for assistance.

What investment options are available in Toll Brothers' 401(k) plan?

Toll Brothers' 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and company stock.

Can employees at Toll Brothers take loans against their 401(k) savings?

Yes, Toll Brothers allows employees to take loans against their 401(k) savings, subject to certain terms and conditions.

What is the vesting schedule for Toll Brothers' 401(k) matching contributions?

The vesting schedule for Toll Brothers' 401(k) matching contributions typically follows a graded vesting schedule, which means employees earn ownership of the contributions over time.

How often can employees at Toll Brothers change their 401(k) contribution amount?

Employees at Toll Brothers can change their 401(k) contribution amount at specified times throughout the year, usually during open enrollment or after a qualifying event.

What happens to the 401(k) savings if an employee leaves Toll Brothers?

If an employee leaves Toll Brothers, they can roll over their 401(k) savings into another retirement account, cash out, or leave the funds in the Toll Brothers plan, subject to plan rules.

Is there a limit to how much employees can contribute to their 401(k) at Toll Brothers?

Yes, there are annual contribution limits set by the IRS that apply to Toll Brothers' 401(k) plan, which may change each year.

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For more information you can reach the plan administrator for Toll Brothers at , ; or by calling them at .

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