Building Your Financial Future

Our Participant Account Representatives provide education and support.

Do you have questions about your retirement savings? Mutual of America's Participant Account Representatives (PARs) are available to discuss your retirement goals in person or over the phone. Our PARs are dedicated to helping you work toward a financially secure future.

Financial Future"It's important for me to understand an individual's long-term financial objectives so that I can help them develop their own strategies for reaching those objectives," said Amanda Rutan, a PAR in our Akron Regional Office. "Though each person's goals vary, most of us want a secure retirement.

"For example, if you're midcareer or nearing retirement, you may have a more immediate interest in the amount of income you can expect from your retirement savings. At this stage of your career, you're likely visualizing what you want your retirement to look like and considering whether you're close enough to meeting your objectives. You might be thinking about increasing your savings with a catch-up contribution.

"On the other hand, millennials may have different priorities than those further along in their career," she points out. As a millennial herself, Amanda recognizes that she and her generation have a different perspective on the future than their parents and grandparents. A steady increase in student debt, fewer employment opportunities, lower entry-level wages and projected changes to Social Security benefits are among the challenges millennials face as they work to build their retirement savings.

"The bottom line is it's never too early to learn how your retirement plan works. By contributing right away, even in small amounts, and taking advantage of employer contributions, if available, you can significantly increase your chances for building a secure retirement. A sound financial strategy and a relatively long timeline can afford you ample opportunity to work toward a solid financial future."

For more information, and to arrange to meet with your PAR, contact your local Mutual of America Regional Office.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and the underlying investment funds. This and other information is contained in the contract prospectus or brochure and underlying funds prospectuses and summary prospectuses. Please read the contract prospectus or brochure and underlying fund prospectuses and summary prospectuses carefully before investing. The contract prospectus or brochure and underlying fund prospectuses and summary prospectuses can be obtained by mail or by calling 1-800-468-3785.

Mutual of America's group and individual retirement products are variable annuity contracts and are suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment funds you choose. Upon redemption, you could receive more or less than the principal amount invested. A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any qualified retirement plan or IRA by applicable tax law. You should carefully consider a variable annuity contract's other features before making a decision.

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