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Why World Fuel Services 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 World Fuel Services. 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 World Fuel Services 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 World Fuel Services. 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 is the 401(k) plan offered by World Fuel Services?

The 401(k) plan at World Fuel Services 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 World Fuel Services 401(k) plan?

Employees can enroll in the World Fuel Services 401(k) plan by completing the enrollment form available through the HR portal or by contacting the HR department for assistance.

Does World Fuel Services match contributions to the 401(k) plan?

Yes, World Fuel Services offers a matching contribution to the 401(k) plan, helping employees maximize their retirement savings.

What is the vesting schedule for the World Fuel Services 401(k) matching contributions?

The vesting schedule for World Fuel Services' 401(k) matching contributions typically follows a graded vesting schedule over a period of years, which is outlined in the plan documents.

Can I change my contribution percentage to the World Fuel Services 401(k) plan?

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

What investment options are available in the World Fuel Services 401(k) plan?

The World Fuel Services 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 from my World Fuel Services 401(k) plan?

Employees can typically start withdrawing from their World Fuel Services 401(k) plan without penalty at age 59½, subject to specific plan rules and regulations.

Are there any loans available against my World Fuel Services 401(k) plan?

Yes, World Fuel Services may allow employees to take loans against their 401(k) balance, subject to the terms and conditions of the plan.

What happens to my World Fuel Services 401(k) if I leave the company?

If you leave World Fuel Services, you have several options for your 401(k), including rolling it over to another retirement account, cashing it out, or leaving it in the World Fuel Services plan if allowed.

How often can I make changes to my investment choices in the World Fuel Services 401(k) plan?

Employees can make changes to their investment choices in the World Fuel Services 401(k) plan on a regular basis, typically quarterly or as specified 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.
World Fuel Services provides RSUs and stock options as part of their compensation packages.
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For more information you can reach the plan administrator for World Fuel Services at 9800 NW 41st St. Miami, FL 33178; or by calling them at 800-345-3818.

*Please see disclaimer for more information

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