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Iskra, Loretta A. Mrs

Faculty Member

  • School of Accounting, Economics and Finance
  • Discipline: Finance
  • Lecturer - Faculty of Business and Law 2007 -

Overview


Loretta is a fractional Lecturer in the School of Accounting, Economics and Finance. She enjoyed a 25 year career in the finance sector prior to joining the University of Wollongong in 2007.  

Loretta employs her unique Certified Financial Planner practitioner expertise to develop her research and teaching priorities, enabling her to contribute to the areas of finance, banking, financial planning, superannuation and work-integrated learning. 

Loretta teaches specialist finance and financial planning subjects and is involved in work-integrated-learning initiatives, to improve graduate employment prospects. Loretta has been nominated for a number of University of Wollongong Outstanding Contribution to Teaching and Learning awards, and placed 2nd in a national Lecturer of the Year award. 

Loretta is completing PhD studies on retirement income policy for Australian baby boomers, which extends her superannuation research associated with her Master of Finance course completed 2016, and complements her Master of Commerce in Financial Planning studies completed 2009. Loretta has presented at a number of conferences, with her work on sequencing risk published in the Financial Planning Research Journal.

Loretta was invited to join Institute for Research in Retirement Policy Discussion group, and is regularly approached to provide media commentary on areas associated with superannuation, baby boomers, financial literacy and retirement.

Loretta is a member of the Financial Planning Academics Forum, a specialist group that develops national research and teaching strategic objectives for financial planning. Loretta was awarded funding for UOW to host an education forum, leading to the development of national education policies for financial planners.

Loretta maintains a variety of links with industry and advocates for a culture of continuous improvement and accountability. 

Top Publications


    Year Title
    2017 Sequencing risk for baby boomers: Prosperity or poverty
    Published in   Financial Planning Research Journal
    2012 A technical note on Australian default superannuation investment strategies
    Published in   Australasian Accounting Business and Finance Journal

Research Overview


  • The number of baby boomers moving into retirement is growing and yet the level of mandated superannuation available to provide sufficient retirement funding for this group is relatively low.  This group is more sensitive to negative cyclical events and to the impact of sequencing risk through their superannuation as part of their move to retirement. The context of retirement covers a broad range of areas; improved life expectancies are creating an unknown future. Loretta is committed to undertaking research that will provide new ideas and tentative solutions for baby boomers in managing their retirement.

    Loretta received funding for the University of Wollongong to host Financial Planning Academics Forum #14, where tertiary academic members and others engaged in education or research relating to financial planning  gathered at the Wollongong campus. This forum has national support and has been co-chaired by Assoc Profs Mark Brimble (Griffith University) and Martin Hovey (University of New England) and is currently chaired by Dr Deirdre Keogh (Charles Sturt University).

    Loretta provides support to Dean Scholars and is available to assist Honours students with projects connected to superannuation, baby boomers, sequencing risk and financial planning.

Available as Research Supervisor

Available for Collaborative Projects

Member Of


Attended Event


Selected Publications


  • Journal Article

    Year Title
    2017

    Published In
    Financial Planning Research Journal
    2012

    Published In
    Australasian Accounting Business and Finance Journal
  • Chapter

    Year Title
    2019

    Published In
    Australian Master Financial Planning Guide 2019/20
    Publisher
    Sydney, Australia
    2019

    Published In
    Australian Master Financial Planning Guide 2019/20
    Publisher
    Sydney, Australia
    2018

    Published In
    Australian Master Financial Planning Guide 2018/19
    Publisher
    Sydney, Australia
    2018

    Published In
    Australian Master Financial Planning Guide 2018/19
    Publisher
    Sydney, Australia
  • Conference Paper

    Year Title
    2016

    Published In
    The 5th Personal Finance Investment Symposium

Presentations


Featured In


Impact Story


  • National forum of financial planning academics (UOW, Bond, Deakin, Griffith, CQU, CSU, JCU, QUT, UNSW, WSU, UTS, TAFE), professional associations (FPA, AFA), related stakeholders (AMP, NAB, Kaplan, Conexus Financial) and local representatives (Finance Control, All Financial Services (South) Pty Ltd) gathered to workshop new Financial Adviser education standards, with policy paper 'Raising Professional Standards' to be compiled.

Available as Research Supervisor

Potential Supervision Topics


  • Baby boomers
    Financial planning
    Superannuation
    Sequencing risk
    Financial literacy
    Retirement
    Work integrated learning

Education And Training


  • Bachelor of Commerce in Accounting, University of Wollongong, School of Accounting and Finance, Awarded with Merit
  • Master of Commerce in Financial Planning, University of Western Sydney
  • Master of Finance - Research in Superannuation, UOW, School of Accounting, Economics and Finance, Australian Industry Superannuation Default Funds: Implications of Sequencing Risk for Baby Boomers
  • UOW, University Learning and Teaching (ULT) 2010

Teaching Overview


  • Loretta's teaching has included undergraduate finance and financial planning specialised subjects, such as FIN111 Introductory Principles of Finance, FIN222 Corporate Finance, FIN252 Personal Finance, FIN328 Retirement and Estate Planning and FIN329 Advanced Financial Planning.

    Loretta's strategic approach is to link industry perspectives and work skills, encourage peer learning and to support students as they move along their life journey. 

    Loretta has enjoyed participating in a number of student scholarship committees, with funds totaling $17,000 awarded.

Keywords


  • Financial planning, superannuation, baby boomers, sequencing risk, financial literacy, retirement and work integrated learning.

Full Name


  • Mrs. Loretta A. Iskra

Mailing Address


  • School of Accounting, Economics and Finance, UOW

    Northfields Ave

    Wollongong

    NSW

    2522

    Australia

Top Publications


    Year Title
    2017 Sequencing risk for baby boomers: Prosperity or poverty
    Published in   Financial Planning Research Journal
    2012 A technical note on Australian default superannuation investment strategies
    Published in   Australasian Accounting Business and Finance Journal

Research Overview


  • The number of baby boomers moving into retirement is growing and yet the level of mandated superannuation available to provide sufficient retirement funding for this group is relatively low.  This group is more sensitive to negative cyclical events and to the impact of sequencing risk through their superannuation as part of their move to retirement. The context of retirement covers a broad range of areas; improved life expectancies are creating an unknown future. Loretta is committed to undertaking research that will provide new ideas and tentative solutions for baby boomers in managing their retirement.

    Loretta received funding for the University of Wollongong to host Financial Planning Academics Forum #14, where tertiary academic members and others engaged in education or research relating to financial planning  gathered at the Wollongong campus. This forum has national support and has been co-chaired by Assoc Profs Mark Brimble (Griffith University) and Martin Hovey (University of New England) and is currently chaired by Dr Deirdre Keogh (Charles Sturt University).

    Loretta provides support to Dean Scholars and is available to assist Honours students with projects connected to superannuation, baby boomers, sequencing risk and financial planning.

Member Of


Attended Event


Selected Publications


  • Journal Article

    Year Title
    2017

    Published In
    Financial Planning Research Journal
    2012

    Published In
    Australasian Accounting Business and Finance Journal
  • Chapter

    Year Title
    2019

    Published In
    Australian Master Financial Planning Guide 2019/20
    Publisher
    Sydney, Australia
    2019

    Published In
    Australian Master Financial Planning Guide 2019/20
    Publisher
    Sydney, Australia
    2018

    Published In
    Australian Master Financial Planning Guide 2018/19
    Publisher
    Sydney, Australia
    2018

    Published In
    Australian Master Financial Planning Guide 2018/19
    Publisher
    Sydney, Australia
  • Conference Paper

    Year Title
    2016

    Published In
    The 5th Personal Finance Investment Symposium

Presentations


Featured In


Impact Story


  • National forum of financial planning academics (UOW, Bond, Deakin, Griffith, CQU, CSU, JCU, QUT, UNSW, WSU, UTS, TAFE), professional associations (FPA, AFA), related stakeholders (AMP, NAB, Kaplan, Conexus Financial) and local representatives (Finance Control, All Financial Services (South) Pty Ltd) gathered to workshop new Financial Adviser education standards, with policy paper 'Raising Professional Standards' to be compiled.

Potential Supervision Topics


  • Baby boomers
    Financial planning
    Superannuation
    Sequencing risk
    Financial literacy
    Retirement
    Work integrated learning

Education And Training


  • Bachelor of Commerce in Accounting, University of Wollongong, School of Accounting and Finance, Awarded with Merit
  • Master of Commerce in Financial Planning, University of Western Sydney
  • Master of Finance - Research in Superannuation, UOW, School of Accounting, Economics and Finance, Australian Industry Superannuation Default Funds: Implications of Sequencing Risk for Baby Boomers
  • UOW, University Learning and Teaching (ULT) 2010

Teaching Overview


  • Loretta's teaching has included undergraduate finance and financial planning specialised subjects, such as FIN111 Introductory Principles of Finance, FIN222 Corporate Finance, FIN252 Personal Finance, FIN328 Retirement and Estate Planning and FIN329 Advanced Financial Planning.

    Loretta's strategic approach is to link industry perspectives and work skills, encourage peer learning and to support students as they move along their life journey. 

    Loretta has enjoyed participating in a number of student scholarship committees, with funds totaling $17,000 awarded.

Keywords


  • Financial planning, superannuation, baby boomers, sequencing risk, financial literacy, retirement and work integrated learning.

Full Name


  • Mrs. Loretta A. Iskra

Mailing Address


  • School of Accounting, Economics and Finance, UOW

    Northfields Ave

    Wollongong

    NSW

    2522

    Australia

Geographic Focus