Closing the Gap
Research‐to‐practice gaps have always existed and progress in this subject has complex, difficult and costly, or may not engage or meet the perceived needs of professionals with the goal of planning potential programmatic action to deal. Narrowing the gap for low achievers and underachievers . Key goals 2 and 3 required us to establish the perceptions of low-achieving and underachieving. Kellogg Foundation, NCSL is working to support state legislators who choose to address opportunity gaps in early learning. The Every Student Succeeds Act (ESSA), the bipartisan reauthorization of the Elementary and Secondary Education Act, gives policymakers new options to.
Do you have a mortgage? Do you have school fees? Do you have any personal loans? Do you have any credit card debt? Do you have dependents? Would your financial position be affected if you were to suffer from an illness or injury? Do you want to have enough capital to look after your dependents if you were unable to care for them for an extended period of time or perhaps indefinitely?
We understand that it can be difficult determining the type and level of cover you might need, let alone choosing an insurer. We can assist by helping you determine your needs and recommend an insurer that is right for you. At Wybenga Financial we know how to protect your wealth and will recommend solutions that best suit your needs. For many, simply relying on employer contributions may not be enough to provide the lifestyle you desire at retirement.
We can assist in building strategies to ensure your retirement goals are met and your required lifestyle is maintained throughout retirement.
It is always best to start saving and planning for your retirement as early as you can. At Wybenga Financial we know our job is to help you meet your retirement needs and we have the skills and experience to do this for you.
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SMSFs are becoming popular for those who are ready to take control of their own super investments as they give you ultimate control and flexibility to manage your retirement benefits.
It must be noted though, that you will have increased responsibilities as a trustee of the fund.
Narrowing the retirement savings gap for women
As a SMSF Trustee you need to keep up to date with all required regulations and keep up with the fast paced financial markets. Wybenga Financial can work with you to understand your personal financial situation and decide whether a SMSF structure is appropriate for you.
We will also make sure your assets are invested in the most effective way to maximise your retirement benefits. Should you wish to consider establishing a SMSF then we can help with all aspects of the process from establishment to managing your compliance obligations. Wybenga Financial would welcome the opportunity to discuss how we can help maximise your opportunities to grow your wealth through a Self Managed Superannuation Fund SMSF.
This includes your home, property, furniture, car, personal possessions, business, investments, superannuation and bank accounts. Having an estate plan is extremely important. Having a will is just the first step in your estate plan.
It is critical to consider what outcomes you would like for your estate and to ensure a plan is in place to achieve those outcomes, both including and beyond the terms of your will. Wybenga Financial would welcome the opportunity to discuss how we can help ensure your estate is organised to ensure your plans are implemented as you wish.
Obtaining the best loans for your needs is crucial and Wybenga Financial can help you with solutions that meet your short and long term needs. At Wybenga Financial we work with experienced mortgage brokers that can assist you in obtaining the best loan for your needs and objectives. Whilst this is an external service, we work closely with the brokers to ensure the process is as easy and smooth as possible. Property We have partnerships with many respected property agents and research firms.
This enables us to source suitable properties for individuals, couples and families looking to make an investment into property.
At Wybenga Financial we will provide the time and expertise needed to help you implement the best property investment plan possible. It is about helping clients define their goals, gathering information and analysing data to make a plan, then implementing the plan and monitoring the results.
It is also monitoring and updating goals and objectives as clients move through different phases of life.
Research project focuses on narrowing nation's achievement gap
At Wybenga Financial, this is the most critical service we provide. The graphs show how each factor contributes to widening Jane's gap. Various factors contribute to the gender pay gap, including being penalized for flexible work. Pay discrepancy occurs even when a woman and a man do the same job, and have the same experience and skills.
Blau, Kahn ; Goldin, The result of Jane taking a short career break Women tend to be the main caregivers of children and aging parents.
Taking career breaks to care for others can harm their career prospects over the long term. Any career interruption — a period of six months or more out of work — is costly in terms of future earnings, and at ten years out women are 22 percentage points more likely than men to have had at least one career interruption.
Deviations from the male norm of high hours and continuous labor market attachment are greatly penalized in the corporate and financial sectors. Lower net income diminishes Jane's wealth dramatically Women engage more often in part- time work. In the US, women are nearly twice as likely as men to work part-time.
Women also receive fewer benefits and smaller allocations to their pension funds. Bureau of Labor Statistics, On average, the gap has gradually declined to 2.
Even a few years difference can have an impact on women's wealth. In our model, Jane's additional living years result in her not being able to achieve her goal of passing wealth to the next generation. She also struggles to maintain her lifestyle.
Investing in a lower volatility investment could be risky While women are more likely than men to invest in a disciplined waynumerous surveys and studies also highlight women's relative lack of financial confidence when deciding on investments. Not taking enough risk can result in women not receiving the returns they require to achieve their ambitions or pay for the things they need.