When Tim first came to Walmart, it was two months before the first customer stepped into the store. He is the last of the original group of associates who helped open Store 1541, and he remembers getting to meet Sam Walton at the grand opening celebration. 

Over the years, the store has grown with the community, and Tim has supported nearly every department. He’s spent time working in sporting goods, electronics, grocery, fresh, and more before landing in his latest role as a Hardlines Team Lead. 

“I work hard, stay the course, and do everything asked of me, along with a bit extra,” Tim says, reflecting on a career shaped byand dedication.  

Tim’s journey with Walmart’s financial well-being benefits began early. As the financial programs evolved, Tim saw the value in participating in and setting aside money for his future with the Associate Stock Purchase Plan (ASPP). 

In addition to taking part in the ASPP, Tim also started contributing to his 401(k) plan to help prepare for retirement. For Tim, the decision to invest was simple, especially when he became eligible for matching contributions.

“You decide how much to contribute, get the company match, and over time, I’ve been able to see my money grow,” said Tim.

Over the years, Tim watched his 401(k) program change, now offering up to a 6% match on eligible base pay.

Tim’s advice to new associates is clear: “Listen. You’ve always got to think about your future. Just put it in—you’ll never even miss it. Whether you invest in the Associate Stock Purchase Plan or the company 401(k), put $25 in every pay period. You can’t afford NOT to do it.”

Now 63 years old, Tim has set, and surpassed, ambitious goals for his retirement savings.    

As Tim looks forward to retirement, he’s grateful for the financial security he’s built. 

“Working at Walmart and maximizing programs that help me plan for the future have been life-changing,” said Tim. “When I walk, I’m done—with work, but not with life.” 

His story is a testament to the power of planning, perseverance, and taking advantage of the financial well-being benefits Walmart offers. 

“If you can look in the mirror and like what you see, you’re ahead of the game,” said Tim, gearing up to unload a few pallets. “Integrity is huge. Believe in yourself, live our values, and never hesitate to invest in your future.” 

To learn more about Walmart’s financial well-being benefits, including the ASPP
and 401(k) program, visitOne.Walmart.com/Wellbeing.

This communication provides information about certain Walmart benefits. Receipt of this communication does not automatically entitle you to the benefits described and these materials

do not create an express or implied contract of employment or other contractual commitment. Every effort has been made to ensure the accuracy of this communication. However, if there

are discrepancies between this communication and the official plan or program documents, the official plan or program document will control. For information about most health and

welfare benefits, the 401(k) plan and the Associate Stock Purchase Plan, see the 2026 Associate Benefits Book. For information about other benefits, see One.Walmart.com/Me.

Walmart, and where applicable, the plan’s fiduciary, retains the discretion to interpret the terms and language used in this communication according to the provisions of the plan or program

documents. Walmart also reserves the right to amend or terminate any benefit plan or policy in its sole discretion at any time for any reason.