id	sid	eid	entity	type
fsr-3160	1	1	james a. dilellioa	PERSON
fsr-3160	1	2	andreas simonb	GPE
fsr-3160	1	3	decision sciences	ORG
fsr-3160	1	4	24255	CARDINAL
fsr-3160	1	5	pacific coast	LOC
fsr-3160	1	6	malibu	GPE
fsr-3160	1	7	90263	DATE
fsr-3160	1	8	marshall school of business	ORG
fsr-3160	1	9	the university of southern california	ORG
fsr-3160	1	10	3660	CARDINAL
fsr-3160	1	11	trousdale parkway	FAC
fsr-3160	1	12	los angeles	GPE
fsr-3160	2	1	three	CARDINAL
fsr-3160	3	1	0.5%	PERCENT
fsr-3160	3	2	annual	DATE
fsr-3160	6	1	2022	CARDINAL
fsr-3160	8	1	jel	ORG
fsr-3160	8	2	1	CARDINAL
fsr-3160	9	1	st.	GPE
fsr-3160	9	2	louis fed	PERSON
fsr-3160	9	3	approximately 10,000	CARDINAL
fsr-3160	9	4	u.s.	GPE
fsr-3160	9	5	every day	DATE
fsr-3160	9	6	2019	DATE
fsr-3160	9	7	2039.1	CARDINAL
fsr-3160	9	8	the united kingdom	GPE
fsr-3160	9	9	germany	GPE
fsr-3160	9	10	australia	GPE
fsr-3160	9	11	u.s.	GPE
fsr-3160	9	12	1981.3	CARDINAL
fsr-3160	9	13	u.s.	GPE
fsr-3160	9	14	403(b)s	DATE
fsr-3160	9	15	457	CARDINAL
fsr-3160	11	1	+1-714	CARDINAL
fsr-3160	12	1	1057-0810/22/$	DATE
fsr-3160	12	2	2022	CARDINAL
fsr-3160	14	1	30	CARDINAL
fsr-3160	14	2	2022	CARDINAL
fsr-3160	15	1	223–249	CARDINAL
fsr-3160	15	2	u.s.	GPE
fsr-3160	15	3	roth	PERSON
fsr-3160	15	4	401(k)s	DATE
fsr-3160	15	5	403(b)s	DATE
fsr-3160	16	1	the united states	GPE
fsr-3160	17	1	the united states	GPE
fsr-3160	17	2	roth	PERSON
fsr-3160	18	1	brown et al	PERSON
fsr-3160	19	1	2017	CARDINAL
fsr-3160	19	2	the united states	GPE
fsr-3160	19	3	germany	GPE
fsr-3160	19	4	united kingdom	GPE
fsr-3160	19	5	canada	GPE
fsr-3160	19	6	australia	GPE
fsr-3160	20	1	each year	DATE
fsr-3160	21	1	the united states	GPE
fsr-3160	21	2	australia	GPE
fsr-3160	21	3	2009	DATE
fsr-3160	26	1	2014	DATE
fsr-3160	27	1	nobel	WORK_OF_ART
fsr-3160	27	2	bill sharpe	PERSON
fsr-3160	27	3	milesvsky	PERSON
fsr-3160	27	4	2020	DATE
fsr-3160	28	1	0.5%	PERCENT
fsr-3160	30	1	non-linear	ORG
fsr-3160	36	1	2	CARDINAL
fsr-3160	36	2	two	CARDINAL
fsr-3160	38	1	224	CARDINAL
fsr-3160	38	2	j. a. dilellio	PERSON
fsr-3160	38	3	a. simon	PERSON
fsr-3160	38	4	30	CARDINAL
fsr-3160	38	5	2022	CARDINAL
fsr-3160	38	6	223–249 2.1	CARDINAL
fsr-3160	39	1	first	ORDINAL
fsr-3160	40	1	al zaman	PERSON
fsr-3160	40	2	2008	DATE
fsr-3160	40	3	first	ORDINAL
fsr-3160	44	1	2017	CARDINAL
fsr-3160	44	2	three	CARDINAL
fsr-3160	45	1	cook et al	PERSON
fsr-3160	46	1	2015	CARDINAL
fsr-3160	46	2	roth	PERSON
fsr-3160	48	1	2011	DATE
fsr-3160	49	1	2012	DATE
fsr-3160	50	1	solin	PERSON
fsr-3160	50	2	2010	DATE
fsr-3160	50	3	2009	DATE
fsr-3160	50	4	2009	DATE
fsr-3160	50	5	fidelity	ORG
fsr-3160	50	6	2014	DATE
fsr-3160	50	7	2016	DATE
fsr-3160	51	1	first	ORDINAL
fsr-3160	51	2	each year	DATE
fsr-3160	56	1	2013	DATE
fsr-3160	56	2	2016	CARDINAL
fsr-3160	58	1	hulse	PERSON
fsr-3160	58	2	2018	DATE
fsr-3160	60	1	meyer	ORG
fsr-3160	60	2	2013	DATE
fsr-3160	60	3	2018	DATE
fsr-3160	61	1	magi	NORP
fsr-3160	61	2	85%	PERCENT
fsr-3160	61	3	the remaining 15%	PERCENT
fsr-3160	61	4	2011	DATE
fsr-3160	62	1	linear programming	ORG
fsr-3160	62	2	ragsdale et al	PERSON
fsr-3160	63	1	1994	DATE
fsr-3160	64	1	welch	PERSON
fsr-3160	64	2	2016,	DATE
fsr-3160	64	3	2017	DATE
fsr-3160	65	1	3	CARDINAL
fsr-3160	65	2	j. a.	PERSON
fsr-3160	65	3	a. simon	PERSON
fsr-3160	65	4	30	CARDINAL
fsr-3160	65	5	2022	CARDINAL
fsr-3160	66	1	223–249 225	CARDINAL
fsr-3160	66	2	2017	CARDINAL
fsr-3160	67	1	first	ORDINAL
fsr-3160	68	1	2017	CARDINAL
fsr-3160	71	1	2020	DATE
fsr-3160	74	1	horan	PERSON
fsr-3160	74	2	2006	DATE
fsr-3160	74	3	one	CARDINAL
fsr-3160	76	1	three	CARDINAL
fsr-3160	78	1	2.2	CARDINAL
fsr-3160	80	1	2017	CARDINAL
fsr-3160	82	1	2004	DATE
fsr-3160	83	1	fischer	PERSON
fsr-3160	83	2	2017	CARDINAL
fsr-3160	84	1	huang	PERSON
fsr-3160	84	2	2006	DATE
fsr-3160	85	1	muralidhar	ORG
fsr-3160	85	2	2020	DATE
fsr-3160	87	1	lachance	PERSON
fsr-3160	87	2	2013	DATE
fsr-3160	89	1	marekwica et al	PERSON
fsr-3160	90	1	2013	DATE
fsr-3160	91	1	226	CARDINAL
fsr-3160	91	2	j. a. dilellio	PERSON
fsr-3160	91	3	a. simon	PERSON
fsr-3160	91	4	30	CARDINAL
fsr-3160	91	5	2022	CARDINAL
fsr-3160	91	6	223–249	CARDINAL
fsr-3160	92	1	zhou	PERSON
fsr-3160	92	2	2009	DATE
fsr-3160	93	1	zhou	PERSON
fsr-3160	93	2	2012	DATE
fsr-3160	94	1	3	CARDINAL
fsr-3160	95	1	the united states	GPE
fsr-3160	96	1	u.s.	GPE
fsr-3160	96	2	appendix	NORP
fsr-3160	97	1	two	CARDINAL
fsr-3160	98	1	first	ORDINAL
fsr-3160	99	1	2017	CARDINAL
fsr-3160	99	2	2006	DATE
fsr-3160	105	1	fintech	ORG
fsr-3160	106	1	cook et al	PERSON
fsr-3160	107	1	2015	DATE
fsr-3160	107	2	al zaman	PERSON
fsr-3160	107	3	2008	DATE
fsr-3160	107	4	2017, 2020	DATE
fsr-3160	107	5	2011	DATE
fsr-3160	107	6	ragsdale et al	PERSON
fsr-3160	108	1	1994	DATE
fsr-3160	111	1	2012	DATE
fsr-3160	114	1	3.1	CARDINAL
fsr-3160	115	1	each year	DATE
fsr-3160	116	1	mtaxable;t	NORP
fsr-3160	116	2	1	CARDINAL
fsr-3160	116	3	j. a. dilellio	PERSON
fsr-3160	116	4	a. simon	PERSON
fsr-3160	116	5	30	CARDINAL
fsr-3160	116	6	2022	CARDINAL
fsr-3160	116	7	223–249	CARDINAL
fsr-3160	116	8	227	CARDINAL
fsr-3160	116	9	each year	DATE
fsr-3160	118	1	max g 1	PERSON
fsr-3160	119	1	1	CARDINAL
fsr-3160	121	1	2012	DATE
fsr-3160	122	1	1	CARDINAL
fsr-3160	123	1	10 years	DATE
fsr-3160	123	2	kinsman	PERSON
fsr-3160	123	3	2020	DATE
fsr-3160	124	1	1	CARDINAL
fsr-3160	126	1	the united states	GPE
fsr-3160	126	2	huang	PERSON
fsr-3160	126	3	about 0.2%	PERCENT
fsr-3160	128	1	annually	DATE
fsr-3160	129	1	current-year	DATE
fsr-3160	130	1	3.2	CARDINAL
fsr-3160	132	1	1	CARDINAL
fsr-3160	133	1	2	CARDINAL
fsr-3160	133	2	0	CARDINAL
fsr-3160	133	3	0	CARDINAL
fsr-3160	133	4	0	CARDINAL
fsr-3160	134	1	2	CARDINAL
fsr-3160	134	2	the previous year	DATE
fsr-3160	135	1	june 30, 1949	DATE
fsr-3160	135	2	the end of the year	DATE
fsr-3160	135	3	70.5 years	DATE
fsr-3160	136	1	72 years	DATE
fsr-3160	137	1	irs	ORG
fsr-3160	137	2	590	CARDINAL
fsr-3160	137	3	228	CARDINAL
fsr-3160	137	4	j. a. dilellio	PERSON
fsr-3160	137	5	a. simon	PERSON
fsr-3160	137	6	30	CARDINAL
fsr-3160	137	7	2022	CARDINAL
fsr-3160	137	8	223–249	CARDINAL
fsr-3160	138	1	70:5	CARDINAL
fsr-3160	138	2	72	CARDINAL
fsr-3160	138	3	70:5	CARDINAL
fsr-3160	138	4	72	DATE
fsr-3160	138	5	6	CARDINAL
fsr-3160	138	6	eqs	CARDINAL
fsr-3160	139	1	3–5	CARDINAL
fsr-3160	140	1	each year	DATE
fsr-3160	141	1	year t	DATE
fsr-3160	141	2	1 � mtax	QUANTITY
fsr-3160	141	3	7	CARDINAL
fsr-3160	141	4	mt	GPE
fsr-3160	143	1	85%	PERCENT
fsr-3160	145	1	at least $34,000	MONEY
fsr-3160	145	2	at least $44,00	MONEY
fsr-3160	146	1	year t	DATE
fsr-3160	146	2	1 �mtax	QUANTITY
fsr-3160	146	3	each year	DATE
fsr-3160	148	1	year t, etaxable;t	DATE
fsr-3160	148	2	etaxable;t	GPE
fsr-3160	148	3	1 � mtaxable;t þ	QUANTITY
fsr-3160	148	4	9	CARDINAL
fsr-3160	149	1	first	ORDINAL
fsr-3160	150	1	u.s.	GPE
fsr-3160	151	1	the united kingdom	GPE
fsr-3160	151	2	germany	GPE
fsr-3160	151	3	canada	GPE
fsr-3160	151	4	australia	GPE
fsr-3160	152	1	j. a. dilellio	PERSON
fsr-3160	152	2	a. simon	PERSON
fsr-3160	152	3	30	CARDINAL
fsr-3160	152	4	2022	CARDINAL
fsr-3160	152	5	223–249 229	CARDINAL
fsr-3160	152	6	u.s.	GPE
fsr-3160	154	1	first	ORDINAL
fsr-3160	155	1	first	ORDINAL
fsr-3160	158	1	current-year	DATE
fsr-3160	159	1	zero	CARDINAL
fsr-3160	160	1	zero	CARDINAL
fsr-3160	160	2	annual	DATE
fsr-3160	162	1	2015	DATE
fsr-3160	165	1	120-age	DATE
fsr-3160	166	1	60-year-old	DATE
fsr-3160	166	2	60%	PERCENT
fsr-3160	166	3	40%	PERCENT
fsr-3160	166	4	1%	PERCENT
fsr-3160	166	5	each year	DATE
fsr-3160	169	1	eqs	ORG
fsr-3160	170	1	7–9	ORDINAL
fsr-3160	172	1	ticker agg	ORG
fsr-3160	176	1	fig	ORG
fsr-3160	177	1	1	CARDINAL
fsr-3160	179	1	u.s.	GPE
fsr-3160	179	2	3.8%	PERCENT
fsr-3160	179	3	medicare	ORG
fsr-3160	181	1	2012	DATE
fsr-3160	181	2	u.s.	GPE
fsr-3160	183	1	230	CARDINAL
fsr-3160	183	2	j. a. dilellio	PERSON
fsr-3160	183	3	a. simon	PERSON
fsr-3160	183	4	30	CARDINAL
fsr-3160	183	5	2022	CARDINAL
fsr-3160	184	1	223–249	CARDINAL
fsr-3160	184	2	tð þ þmtda;t þ d�t � tqdiv;t þmta;t � �þmtea;t þ sst;tax free	PERSON
fsr-3160	184	3	10	CARDINAL
fsr-3160	184	4	first	ORDINAL
fsr-3160	184	5	sst	ORG
fsr-3160	185	1	three	CARDINAL
fsr-3160	189	1	10	CARDINAL
fsr-3160	189	2	2021	CARDINAL
fsr-3160	190	1	3.3	CARDINAL
fsr-3160	191	1	three	CARDINAL
fsr-3160	194	1	2	CARDINAL
fsr-3160	195	1	three	CARDINAL
fsr-3160	196	1	2	CARDINAL
fsr-3160	196	2	2011	DATE
fsr-3160	197	1	first	ORDINAL
fsr-3160	198	1	fig	ORG
fsr-3160	199	1	1	CARDINAL
fsr-3160	201	1	j. a. dilellio	PERSON
fsr-3160	201	2	a. simon	PERSON
fsr-3160	201	3	30	CARDINAL
fsr-3160	201	4	2022	CARDINAL
fsr-3160	201	5	223–249	CARDINAL
fsr-3160	201	6	231	CARDINAL
fsr-3160	202	1	2	CARDINAL
fsr-3160	203	1	2017	CARDINAL
fsr-3160	204	1	cook et al	PERSON
fsr-3160	205	1	2015	DATE
fsr-3160	205	2	roth	PERSON
fsr-3160	205	3	early retirement years	DATE
fsr-3160	206	1	three additional years	DATE
fsr-3160	207	1	2015	CARDINAL
fsr-3160	207	2	first	ORDINAL
fsr-3160	210	1	0.35%	PERCENT
fsr-3160	212	1	2	CARDINAL
fsr-3160	215	1	0.54%	PERCENT
fsr-3160	215	2	annual	DATE
fsr-3160	216	1	slsqp	ORG
fsr-3160	216	2	non-linear	ORG
fsr-3160	218	1	2	CARDINAL
fsr-3160	218	2	some years	DATE
fsr-3160	220	1	slsqp	ORG
fsr-3160	221	1	10	CARDINAL
fsr-3160	221	2	some retirement years	DATE
fsr-3160	223	1	2	CARDINAL
fsr-3160	224	1	232	CARDINAL
fsr-3160	224	2	j. a. dilellio	PERSON
fsr-3160	224	3	a. simon	PERSON
fsr-3160	224	4	30	CARDINAL
fsr-3160	224	5	2022	CARDINAL
fsr-3160	224	6	223–249	CARDINAL
fsr-3160	224	7	zero	CARDINAL
fsr-3160	224	8	2016	CARDINAL
fsr-3160	226	1	4	CARDINAL
fsr-3160	226	2	three	CARDINAL
fsr-3160	227	1	2	CARDINAL
fsr-3160	227	2	three	CARDINAL
fsr-3160	228	1	1.	CARDINAL
fsr-3160	229	1	2	CARDINAL
fsr-3160	230	1	3.	CARDINAL
fsr-3160	231	1	4.1	CARDINAL
fsr-3160	231	2	1	CARDINAL
fsr-3160	232	1	3	CARDINAL
fsr-3160	233	1	the year they turn	DATE
fsr-3160	233	2	95 and 100 years	DATE
fsr-3160	233	3	1	CARDINAL
fsr-3160	236	1	may 15, 2000	DATE
fsr-3160	236	2	april 27	DATE
fsr-3160	236	3	2021	DATE
fsr-3160	236	4	7.2%	PERCENT
fsr-3160	237	1	ticker agg	ORG
fsr-3160	237	2	annual	DATE
fsr-3160	237	3	september 22, 2003	DATE
fsr-3160	237	4	april 27	DATE
fsr-3160	237	5	2021	DATE
fsr-3160	237	6	4.0%	PERCENT
fsr-3160	238	1	10 years	DATE
fsr-3160	238	2	50%	PERCENT
fsr-3160	238	3	68%	PERCENT
fsr-3160	239	1	1%	PERCENT
fsr-3160	241	1	2009	DATE
fsr-3160	241	2	samuelson	PERSON
fsr-3160	241	3	1969	DATE
fsr-3160	242	1	1	CARDINAL
fsr-3160	242	2	67.12	CARDINAL
fsr-3160	242	3	11,000	MONEY
fsr-3160	242	4	annual	DATE
fsr-3160	242	5	inflation.13	PERSON
fsr-3160	242	6	1992	DATE
fsr-3160	242	7	2020	DATE
fsr-3160	244	1	j. a. dilellio	PERSON
fsr-3160	244	2	a. simon	PERSON
fsr-3160	244	3	30	CARDINAL
fsr-3160	244	4	2022	CARDINAL
fsr-3160	245	1	223–249	CARDINAL
fsr-3160	245	2	1	CARDINAL
fsr-3160	245	3	the 37th year	DATE
fsr-3160	245	4	36.5 years	DATE
fsr-3160	246	1	fig	ORG
fsr-3160	247	1	3	CARDINAL
fsr-3160	248	1	first	ORDINAL
fsr-3160	249	1	years 5 through 17	DATE
fsr-3160	250	1	each year	DATE
fsr-3160	250	2	the current year	DATE
fsr-3160	250	3	dollars.14	ORG
fsr-3160	250	4	year 31	DATE
fsr-3160	251	1	0%	PERCENT
fsr-3160	251	2	the united states	GPE
fsr-3160	251	3	the united states	GPE
fsr-3160	252	1	fig	ORG
fsr-3160	253	1	3	CARDINAL
fsr-3160	253	2	39.7 years	DATE
fsr-3160	253	3	about 3.2 years	DATE
fsr-3160	254	1	0.35%	PERCENT
fsr-3160	255	1	25%	PERCENT
fsr-3160	255	2	24%	PERCENT
fsr-3160	255	3	32%	PERCENT
fsr-3160	257	1	3	CARDINAL
fsr-3160	257	2	1	CARDINAL
fsr-3160	257	3	65	CARDINAL
fsr-3160	257	4	62	DATE
fsr-3160	257	5	150k	MONEY
fsr-3160	257	6	140k	MONEY
fsr-3160	257	7	30 years	DATE
fsr-3160	257	8	40 years	DATE
fsr-3160	258	1	800,000	MONEY
fsr-3160	258	2	100,000	MONEY
fsr-3160	258	3	400,000	MONEY
fsr-3160	258	4	50,000	MONEY
fsr-3160	258	5	1,000,000	MONEY
fsr-3160	258	6	50%	PERCENT
fsr-3160	258	7	68%	PERCENT
fsr-3160	258	8	60%	PERCENT
fsr-3160	258	9	40%	PERCENT
fsr-3160	258	10	1%	PERCENT
fsr-3160	258	11	2020	DATE
fsr-3160	258	12	18,500	MONEY
fsr-3160	258	13	age 67	DATE
fsr-3160	258	14	18,500	MONEY
fsr-3160	258	15	age 67	DATE
fsr-3160	258	16	age $3,667	MONEY
fsr-3160	258	17	age 65	DATE
fsr-3160	258	18	age $3,667	MONEY
fsr-3160	258	19	age 65	DATE
fsr-3160	258	20	10 years	DATE
fsr-3160	258	21	25%	PERCENT
fsr-3160	258	22	2.1%	PERCENT
fsr-3160	258	23	7.2%	PERCENT
fsr-3160	258	24	4%	PERCENT
fsr-3160	258	25	2%	PERCENT
fsr-3160	258	26	2.5%	PERCENT
fsr-3160	258	27	234	CARDINAL
fsr-3160	258	28	j. a. dilellio	PERSON
fsr-3160	258	29	a. simon	PERSON
fsr-3160	258	30	30	CARDINAL
fsr-3160	258	31	2022	CARDINAL
fsr-3160	258	32	223–249 year	DATE
fsr-3160	259	1	fig	ORG
fsr-3160	260	1	3	CARDINAL
fsr-3160	261	1	4	CARDINAL
fsr-3160	261	2	up to four	CARDINAL
fsr-3160	261	3	each year	DATE
fsr-3160	261	4	two	CARDINAL
fsr-3160	261	5	two	CARDINAL
fsr-3160	262	1	the early retirement years	DATE
fsr-3160	263	1	1	CARDINAL
fsr-3160	265	1	3	CARDINAL
fsr-3160	265	2	1	CARDINAL
fsr-3160	267	1	j. a. dilellio	PERSON
fsr-3160	267	2	a. simon	PERSON
fsr-3160	267	3	30	CARDINAL
fsr-3160	267	4	2022	CARDINAL
fsr-3160	267	5	223–249 235	CARDINAL
fsr-3160	267	6	0%	PERCENT
fsr-3160	268	1	the years 5 to 17	DATE
fsr-3160	269	1	0%	PERCENT
fsr-3160	270	1	year 18	DATE
fsr-3160	270	2	years 19–25	DATE
fsr-3160	271	1	year 26	DATE
fsr-3160	272	1	the later years	DATE
fsr-3160	273	1	fig	ORG
fsr-3160	274	1	4	CARDINAL
fsr-3160	274	2	earlier years	DATE
fsr-3160	275	1	years 1–10	DATE
fsr-3160	277	1	4	CARDINAL
fsr-3160	277	2	1	CARDINAL
fsr-3160	279	1	236	CARDINAL
fsr-3160	279	2	j. a. dilellio	PERSON
fsr-3160	279	3	a. simon	PERSON
fsr-3160	279	4	30	CARDINAL
fsr-3160	279	5	2022	CARDINAL
fsr-3160	280	1	223–249	CARDINAL
fsr-3160	280	2	25%	PERCENT
fsr-3160	280	3	1	CARDINAL
fsr-3160	281	1	the later years	DATE
fsr-3160	282	1	year 31	DATE
fsr-3160	283	1	future years	DATE
fsr-3160	285	1	about 3 years	DATE
fsr-3160	286	1	about 0.35%	PERCENT
fsr-3160	287	1	1	CARDINAL
fsr-3160	287	2	4.2	CARDINAL
fsr-3160	292	1	1	CARDINAL
fsr-3160	292	2	15 years	DATE
fsr-3160	292	3	20 years	DATE
fsr-3160	293	1	2	CARDINAL
fsr-3160	293	2	three	CARDINAL
fsr-3160	294	1	22%	PERCENT
fsr-3160	294	2	slsqp	ORG
fsr-3160	295	1	slsqp	ORG
fsr-3160	295	2	0.54%	PERCENT
fsr-3160	296	1	slsqp	ORG
fsr-3160	297	1	5	CARDINAL
fsr-3160	299	1	first	ORDINAL
fsr-3160	299	2	slsqp	ORG
fsr-3160	300	1	the later years	DATE
fsr-3160	300	2	years 16–20	DATE
fsr-3160	302	1	2	CARDINAL
fsr-3160	302	2	$461,937 $798,355	MONEY
fsr-3160	303	1	$57,742 $	MONEY
fsr-3160	303	2	99,794	MONEY
fsr-3160	303	3	1,287,908	MONEY
fsr-3160	303	4	0 $798,355 $632,418 $	MONEY
fsr-3160	303	5	99,794	MONEY
fsr-3160	303	6	1,530,567	MONEY
fsr-3160	303	7	$20,186 $	MONEY
fsr-3160	303	8	265,305	MONEY
fsr-3160	303	9	2,523	MONEY
fsr-3160	303	10	33,163	MONEY
fsr-3160	303	11	1,571,185	MONEY
fsr-3160	304	1	slsqp	ORG
fsr-3160	305	1	j. a. dilellio	PERSON
fsr-3160	305	2	a. simon	PERSON
fsr-3160	305	3	30	CARDINAL
fsr-3160	305	4	2022	CARDINAL
fsr-3160	306	1	223–249 237	CARDINAL
fsr-3160	306	2	fig	ORG
fsr-3160	307	1	6	CARDINAL
fsr-3160	307	2	slsqp	ORG
fsr-3160	308	1	slsqp	ORG
fsr-3160	309	1	slsqp	ORG
fsr-3160	309	2	20,000	MONEY
fsr-3160	309	3	the first seven years	DATE
fsr-3160	309	4	between about $5,000 and $10,000	MONEY
fsr-3160	311	1	years 1–4	DATE
fsr-3160	313	1	5	CARDINAL
fsr-3160	313	2	1	CARDINAL
fsr-3160	315	1	238	CARDINAL
fsr-3160	315	2	j. a. dilellio	PERSON
fsr-3160	315	3	a. simon	PERSON
fsr-3160	315	4	30	CARDINAL
fsr-3160	315	5	2022	CARDINAL
fsr-3160	315	6	223–249	CARDINAL
fsr-3160	315	7	1	CARDINAL
fsr-3160	316	1	years 5–15	DATE
fsr-3160	317	1	years 16–17	DATE
fsr-3160	318	1	five years 18–20	DATE
fsr-3160	319	1	these final years	DATE
fsr-3160	319	2	nearly $35,000	MONEY
fsr-3160	319	3	140,000	MONEY
fsr-3160	320	1	these later years	DATE
fsr-3160	322	1	6	CARDINAL
fsr-3160	322	2	1	CARDINAL
fsr-3160	324	1	j. a. dilellio	PERSON
fsr-3160	324	2	a. simon	PERSON
fsr-3160	324	3	30	CARDINAL
fsr-3160	324	4	2022	CARDINAL
fsr-3160	325	1	223–249	CARDINAL
fsr-3160	325	2	239	CARDINAL
fsr-3160	325	3	fig	ORG
fsr-3160	326	1	6	CARDINAL
fsr-3160	328	1	2012	DATE
fsr-3160	331	1	4.3	CARDINAL
fsr-3160	333	1	1	CARDINAL
fsr-3160	334	1	15 years	DATE
fsr-3160	334	2	20 years	DATE
fsr-3160	335	1	2.7	MONEY
fsr-3160	335	2	180,000	MONEY
fsr-3160	336	1	3	CARDINAL
fsr-3160	336	2	3	CARDINAL
fsr-3160	336	3	about 7%	PERCENT
fsr-3160	337	1	0.24%	PERCENT
fsr-3160	338	1	slsqp	ORG
fsr-3160	339	1	slsqp	ORG
fsr-3160	340	1	10	CARDINAL
fsr-3160	341	1	3,764,923	MONEY
fsr-3160	342	1	slsqp	ORG
fsr-3160	343	1	slsqp	ORG
fsr-3160	344	1	10	CARDINAL
fsr-3160	344	2	10–15 minutes	TIME
fsr-3160	346	1	3	CARDINAL
fsr-3160	346	2	$2,501,404 $798,355 $617,383 $92,645 $	MONEY
fsr-3160	346	3	99,794	MONEY
fsr-3160	346	4	73,004	MONEY
fsr-3160	346	5	3,534,072	MONEY
fsr-3160	346	6	$1,594,256 $798,355 $1,629,133 $59,047 $	MONEY
fsr-3160	346	7	99,794	MONEY
fsr-3160	346	8	3,767,258	MONEY
fsr-3160	347	1	240	CARDINAL
fsr-3160	347	2	j. a. dilellio	PERSON
fsr-3160	347	3	a. simon	PERSON
fsr-3160	347	4	30	CARDINAL
fsr-3160	347	5	2022	CARDINAL
fsr-3160	348	1	223–249	CARDINAL
fsr-3160	349	1	fig	ORG
fsr-3160	350	1	7	CARDINAL
fsr-3160	351	1	years 5–20	DATE
fsr-3160	353	1	over $140,000	MONEY
fsr-3160	353	2	years 14–20	DATE
fsr-3160	353	3	zero	CARDINAL
fsr-3160	354	1	zero	CARDINAL
fsr-3160	354	2	these later years	DATE
fsr-3160	354	3	accounts.16 fig	GPE
fsr-3160	355	1	7	CARDINAL
fsr-3160	355	2	1	CARDINAL
fsr-3160	357	1	j. a. dilellio	PERSON
fsr-3160	357	2	a. simon	PERSON
fsr-3160	357	3	30	CARDINAL
fsr-3160	357	4	2022	CARDINAL
fsr-3160	358	1	223–249 241	CARDINAL
fsr-3160	358	2	fig	ORG
fsr-3160	359	1	7	CARDINAL
fsr-3160	360	1	years 14–20	DATE
fsr-3160	361	1	fig	ORG
fsr-3160	362	1	8	CARDINAL
fsr-3160	363	1	7	CARDINAL
fsr-3160	364	1	6	CARDINAL
fsr-3160	364	2	earlier retirement years	DATE
fsr-3160	365	1	later years	DATE
fsr-3160	367	1	fig	PERSON
fsr-3160	368	1	8	CARDINAL
fsr-3160	368	2	1	CARDINAL
fsr-3160	370	1	242	CARDINAL
fsr-3160	370	2	j. a. dilellio	PERSON
fsr-3160	370	3	a. simon	PERSON
fsr-3160	370	4	30	CARDINAL
fsr-3160	370	5	2022	CARDINAL
fsr-3160	370	6	223–249 5	DATE
fsr-3160	374	1	4	CARDINAL
fsr-3160	377	1	0%	PERCENT
fsr-3160	378	1	2	CARDINAL
fsr-3160	378	2	3	CARDINAL
fsr-3160	378	3	5	CARDINAL
fsr-3160	378	4	25%	PERCENT
fsr-3160	378	5	2	CARDINAL
fsr-3160	379	1	slsqp	ORG
fsr-3160	380	1	slsqp	ORG
fsr-3160	381	1	6	CARDINAL
fsr-3160	381	2	3	CARDINAL
fsr-3160	382	1	slsqp	ORG
fsr-3160	383	1	slsqp	ORG
fsr-3160	383	2	6	CARDINAL
fsr-3160	383	3	4	CARDINAL
fsr-3160	383	4	0%	PERCENT
fsr-3160	383	5	36.5	CARDINAL
fsr-3160	383	6	0.3 0.03%	PERCENT
fsr-3160	383	7	15%	PERCENT
fsr-3160	383	8	36.5	CARDINAL
fsr-3160	383	9	0.11%	PERCENT
fsr-3160	383	10	25%	PERCENT
fsr-3160	383	11	36.5	CARDINAL
fsr-3160	383	12	3.2 0.35%	PERCENT
fsr-3160	383	13	35%	PERCENT
fsr-3160	383	14	36.5	CARDINAL
fsr-3160	383	15	3.2 0.35%	PERCENT
fsr-3160	383	16	1	CARDINAL
fsr-3160	383	17	25%	PERCENT
fsr-3160	385	1	5	CARDINAL
fsr-3160	385	2	0%	PERCENT
fsr-3160	385	3	1,544,800	MONEY
fsr-3160	385	4	126,972	MONEY
fsr-3160	385	5	0.21%	PERCENT
fsr-3160	385	6	15%	PERCENT
fsr-3160	385	7	184,287	MONEY
fsr-3160	385	8	0.33%	PERCENT
fsr-3160	385	9	25%	PERCENT
fsr-3160	385	10	0.54%	PERCENT
fsr-3160	385	11	35%	PERCENT
fsr-3160	385	12	1,568,913	MONEY
fsr-3160	385	13	0.69%	PERCENT
fsr-3160	385	14	1	CARDINAL
fsr-3160	385	15	15 years	DATE
fsr-3160	385	16	20 years	DATE
fsr-3160	387	1	slsqp	ORG
fsr-3160	388	1	j. a. dilellio	PERSON
fsr-3160	388	2	a. simon	PERSON
fsr-3160	388	3	30	CARDINAL
fsr-3160	388	4	2022	CARDINAL
fsr-3160	389	1	223–249 243	CARDINAL
fsr-3160	389	2	4	CARDINAL
fsr-3160	389	3	6	CARDINAL
fsr-3160	390	1	4	CARDINAL
fsr-3160	390	2	5	DATE
fsr-3160	390	3	6	CARDINAL
fsr-3160	391	1	5	CARDINAL
fsr-3160	392	1	slsqp	ORG
fsr-3160	393	1	4	CARDINAL
fsr-3160	393	2	6	CARDINAL
fsr-3160	394	1	6	CARDINAL
fsr-3160	395	1	5.1	CARDINAL
fsr-3160	396	1	7	CARDINAL
fsr-3160	397	1	second	ORDINAL
fsr-3160	397	2	the last row	DATE
fsr-3160	398	1	2026	CARDINAL
fsr-3160	398	2	the year	DATE
fsr-3160	398	3	2017	CARDINAL
fsr-3160	400	1	1916 to 1999	DATE
fsr-3160	400	2	2006	DATE
fsr-3160	401	1	fig	PERSON
fsr-3160	402	1	9	CARDINAL
fsr-3160	402	2	0.35%	PERCENT
fsr-3160	403	1	0.50%	PERCENT
fsr-3160	406	1	fig	ORG
fsr-3160	407	1	10	CARDINAL
fsr-3160	407	2	0.54%	PERCENT
fsr-3160	407	3	15 and 20 years	DATE
fsr-3160	408	1	6	CARDINAL
fsr-3160	408	2	0%	PERCENT
fsr-3160	408	3	4,183,990	MONEY
fsr-3160	408	4	1,405	MONEY
fsr-3160	408	5	0.01%	PERCENT
fsr-3160	408	6	15%	PERCENT
fsr-3160	408	7	3,793,477	MONEY
fsr-3160	408	8	3,935,081	MONEY
fsr-3160	408	9	0.14%	PERCENT
fsr-3160	408	10	25%	PERCENT
fsr-3160	408	11	3,534,072	MONEY
fsr-3160	408	12	3,767,259	MONEY
fsr-3160	408	13	233,187	MONEY
fsr-3160	408	14	0.23%	PERCENT
fsr-3160	408	15	35%	PERCENT
fsr-3160	408	16	3,274,667	MONEY
fsr-3160	408	17	3,601,928	MONEY
fsr-3160	408	18	0.34%	PERCENT
fsr-3160	408	19	1	CARDINAL
fsr-3160	408	20	15 years	DATE
fsr-3160	408	21	20 years	DATE
fsr-3160	408	22	2.7	MONEY
fsr-3160	408	23	180,000	MONEY
fsr-3160	410	1	7	CARDINAL
fsr-3160	410	2	50%	PERCENT
fsr-3160	410	3	50%	PERCENT
fsr-3160	410	4	60%	PERCENT
fsr-3160	410	5	40%	PERCENT
fsr-3160	410	6	70%	PERCENT
fsr-3160	410	7	30%	PERCENT
fsr-3160	410	8	6%	PERCENT
fsr-3160	410	9	7.2%	PERCENT
fsr-3160	410	10	8.4%	PERCENT
fsr-3160	410	11	3%	PERCENT
fsr-3160	410	12	4%	PERCENT
fsr-3160	410	13	5%	PERCENT
fsr-3160	410	14	1.5%	PERCENT
fsr-3160	410	15	2.1%	PERCENT
fsr-3160	410	16	4.2%	PERCENT
fsr-3160	410	17	2026	CARDINAL
fsr-3160	410	18	�40%	PERCENT
fsr-3160	410	19	0%	PERCENT
fsr-3160	410	20	+40%	PERCENT
fsr-3160	410	21	0%	PERCENT
fsr-3160	410	22	1%	PERCENT
fsr-3160	410	23	2%	PERCENT
fsr-3160	410	24	244	CARDINAL
fsr-3160	410	25	j. a. dilellio	PERSON
fsr-3160	410	26	a. simon	PERSON
fsr-3160	410	27	30	CARDINAL
fsr-3160	410	28	2022	CARDINAL
fsr-3160	411	1	223–249	CARDINAL
fsr-3160	414	1	11	CARDINAL
fsr-3160	416	1	5.2	CARDINAL
fsr-3160	416	2	fidelity	ORG
fsr-3160	416	3	2014	DATE
fsr-3160	416	4	2016	CARDINAL
fsr-3160	424	1	9	CARDINAL
fsr-3160	425	1	fig	ORG
fsr-3160	426	1	10	CARDINAL
fsr-3160	428	1	j. a. dilellio	PERSON
fsr-3160	428	2	a. simon	PERSON
fsr-3160	428	3	30	CARDINAL
fsr-3160	428	4	2022	CARDINAL
fsr-3160	429	1	223–249 245	CARDINAL
fsr-3160	431	1	6	CARDINAL
fsr-3160	433	1	three	CARDINAL
fsr-3160	433	2	one	CARDINAL
fsr-3160	434	1	one	CARDINAL
fsr-3160	436	1	about 0.5%	PERCENT
fsr-3160	437	1	three	CARDINAL
fsr-3160	438	1	multiyear	DATE
fsr-3160	439	1	1 https://www.stlouisfed.org/on-the-economy/2019/may/how-many-people-will-beretiring-in-the-years-to-come 2 https://en.wikipedia.org/wiki/mid-20th_century_baby_boom 3	DATE
fsr-3160	439	2	4 https://www.newretirement.com/retirement/what-is-a-403b/ fig.	FAC
fsr-3160	440	1	11	CARDINAL
fsr-3160	442	1	246	CARDINAL
fsr-3160	442	2	j. a. dilellio	PERSON
fsr-3160	442	3	a. simon	PERSON
fsr-3160	442	4	30	CARDINAL
fsr-3160	442	5	2022	CARDINAL
fsr-3160	442	6	223–249 5	CARDINAL
fsr-3160	442	7	2019	DATE
fsr-3160	442	8	70.5	CARDINAL
fsr-3160	442	9	72	CARDINAL
fsr-3160	442	10	june 30, 1949	DATE
fsr-3160	443	1	6	CARDINAL
fsr-3160	443	2	the united states	GPE
fsr-3160	443	3	85%	PERCENT
fsr-3160	443	4	magi	NORP
fsr-3160	443	5	34,000	MONEY
fsr-3160	443	6	44,000	MONEY
fsr-3160	444	1	8	CARDINAL
fsr-3160	445	1	9	CARDINAL
fsr-3160	445	2	the year they turn	DATE
fsr-3160	445	3	72	DATE
fsr-3160	446	1	33.5	CARDINAL
fsr-3160	446	2	37.4	CARDINAL
fsr-3160	446	3	12	CARDINAL
fsr-3160	446	4	13	CARDINAL
fsr-3160	446	5	14	CARDINAL
fsr-3160	446	6	each year	DATE
fsr-3160	447	1	irs	ORG
fsr-3160	447	2	annually	DATE
fsr-3160	448	1	15	CARDINAL
fsr-3160	448	2	0.35%	PERCENT
fsr-3160	448	3	39.7 years	DATE
fsr-3160	449	1	16	CARDINAL
fsr-3160	449	2	zero	CARDINAL
fsr-3160	449	3	etf	ORG
fsr-3160	449	4	first	ORDINAL
fsr-3160	449	5	10b	MONEY
fsr-3160	450	1	the united states	GPE
fsr-3160	450	2	u.s.	GPE
fsr-3160	450	3	2020	DATE
fsr-3160	450	4	10%	PERCENT
fsr-3160	450	5	9,875	MONEY
fsr-3160	450	6	19,750 12%	PERCENT
fsr-3160	450	7	80,250	MONEY
fsr-3160	450	8	22%	PERCENT
fsr-3160	450	9	85,525	MONEY
fsr-3160	450	10	171,050	MONEY
fsr-3160	450	11	24%	PERCENT
fsr-3160	450	12	163,300	MONEY
fsr-3160	450	13	326,600	MONEY
fsr-3160	450	14	32%	PERCENT
fsr-3160	450	15	207,350	MONEY
fsr-3160	450	16	414,700	MONEY
fsr-3160	450	17	35%	PERCENT
fsr-3160	450	18	518,400	MONEY
fsr-3160	450	19	622,050	MONEY
fsr-3160	450	20	37%	PERCENT
fsr-3160	450	21	j. a. dilellio	PERSON
fsr-3160	450	22	a. simon	PERSON
fsr-3160	450	23	30	CARDINAL
fsr-3160	450	24	2022	CARDINAL
fsr-3160	450	25	223–249	CARDINAL
fsr-3160	450	26	the graziadio business school	ORG
fsr-3160	451	1	sophia venegas	PERSON
fsr-3160	452	1	d. c.	PERSON
fsr-3160	452	2	cederburg, s., & o’doherty	ORG
fsr-3160	452	3	m. s.	PERSON
fsr-3160	452	4	2017	CARDINAL
fsr-3160	454	1	journal of financial economics	ORG
fsr-3160	454	2	126	CARDINAL
fsr-3160	454	3	689	CARDINAL
fsr-3160	455	1	r.	NORP
fsr-3160	455	2	feng	PERSON
fsr-3160	455	3	j., & gu	ORG
fsr-3160	455	4	2021	CARDINAL
fsr-3160	457	1	accounting & finance	ORG
fsr-3160	457	2	61	CARDINAL
fsr-3160	457	3	645	CARDINAL
fsr-3160	458	1	k. a.	PERSON
fsr-3160	458	2	meyer	ORG
fsr-3160	458	3	w., & reichenstein	ORG
fsr-3160	458	4	w.	PERSON
fsr-3160	458	5	2015	DATE
fsr-3160	460	1	71	CARDINAL
fsr-3160	460	2	16	CARDINAL
fsr-3160	461	1	l. w.	PERSON
fsr-3160	461	2	a. r.	PERSON
fsr-3160	461	3	2011	DATE
fsr-3160	463	1	24	CARDINAL
fsr-3160	463	2	50	CARDINAL
fsr-3160	464	1	l. w.	PERSON
fsr-3160	464	2	a. r.	PERSON
fsr-3160	464	3	2017	CARDINAL
fsr-3160	465	1	roth	PERSON
fsr-3160	466	1	16	CARDINAL
fsr-3160	466	2	29	CARDINAL
fsr-3160	467	1	dammon	ORG
fsr-3160	467	2	r. m.	PERSON
fsr-3160	467	3	h. h.	PERSON
fsr-3160	467	4	2004	DATE
fsr-3160	469	1	59	CARDINAL
fsr-3160	469	2	999	CARDINAL
fsr-3160	470	1	2016	DATE
fsr-3160	472	1	los angeles	GPE
fsr-3160	473	1	j. a.	PERSON
fsr-3160	473	2	d. n.	PERSON
fsr-3160	473	3	2017	CARDINAL
fsr-3160	475	1	48	DATE
fsr-3160	475	2	356	CARDINAL
fsr-3160	475	3	j. a.	PERSON
fsr-3160	475	4	2020	DATE
fsr-3160	476	1	roth	PERSON
fsr-3160	477	1	28	CARDINAL
fsr-3160	477	2	67	CARDINAL
fsr-3160	478	1	j. a.	PERSON
fsr-3160	478	2	2020	DATE
fsr-3160	480	1	23	CARDINAL
fsr-3160	481	1	fidelity	ORG
fsr-3160	482	1	2014	DATE
fsr-3160	485	1	fischer	ORG
fsr-3160	485	2	m., & gallmeyer	ORG
fsr-3160	485	3	2017	CARDINAL
fsr-3160	487	1	21, 1847-1873	DATE
fsr-3160	488	1	l., & huang	ORG
fsr-3160	488	2	j. (	PERSON
fsr-3160	488	3	2006	DATE
fsr-3160	490	1	journal of public economics	ORG
fsr-3160	490	2	90	CARDINAL
fsr-3160	491	1	g., & hulse	ORG
fsr-3160	491	2	2018	DATE
fsr-3160	493	1	31	CARDINAL
fsr-3160	493	2	36	CARDINAL
fsr-3160	494	1	gerrans	NORP
fsr-3160	494	2	clark-murphy	PERSON
fsr-3160	494	3	m., & speelman	ORG
fsr-3160	494	4	2009	DATE
fsr-3160	496	1	accounting & finance	ORG
fsr-3160	496	2	50	CARDINAL
fsr-3160	496	3	301	CARDINAL
fsr-3160	497	1	a., & muralidhar	ORG
fsr-3160	497	2	2020	DATE
fsr-3160	499	1	financial analysts journal	ORG
fsr-3160	499	2	76	DATE
fsr-3160	499	3	38	CARDINAL
fsr-3160	500	1	j.	PERSON
fsr-3160	500	2	2009	DATE
fsr-3160	502	1	hoboken	GPE
fsr-3160	502	2	nj	ORG
fsr-3160	502	3	wiley	PERSON
fsr-3160	503	1	lachance	PERSON
fsr-3160	503	2	m. (	PERSON
fsr-3160	503	3	2013	DATE
fsr-3160	504	1	roth	PERSON
fsr-3160	505	1	12	CARDINAL
fsr-3160	505	2	28	CARDINAL
fsr-3160	506	1	u.s.	GPE
fsr-3160	506	2	2020	DATE
fsr-3160	506	3	0%	PERCENT
fsr-3160	506	4	$40,000 $80,000	MONEY
fsr-3160	506	5	15%	PERCENT
fsr-3160	506	6	441,450	MONEY
fsr-3160	506	7	496,600	MONEY
fsr-3160	506	8	20%	PERCENT
fsr-3160	506	9	248	CARDINAL
fsr-3160	506	10	j. a. dilellio	PERSON
fsr-3160	506	11	a. simon	PERSON
fsr-3160	506	12	30	CARDINAL
fsr-3160	506	13	2022	CARDINAL
fsr-3160	507	1	223–249	CARDINAL
fsr-3160	507	2	m., schaefer, a., & sebastian	ORG
fsr-3160	507	3	s.	PERSON
fsr-3160	507	4	2013	DATE
fsr-3160	509	1	37	CARDINAL
fsr-3160	509	2	1110	CARDINAL
fsr-3160	510	1	horan	PERSON
fsr-3160	510	2	s. m.	PERSON
fsr-3160	510	3	2006	DATE
fsr-3160	512	1	62	CARDINAL
fsr-3160	512	2	77-87	DATE
fsr-3160	513	1	huang	PERSON
fsr-3160	513	2	c. c.	GPE
fsr-3160	513	3	2017	CARDINAL
fsr-3160	514	1	ten	CARDINAL
fsr-3160	515	1	1	CARDINAL
fsr-3160	516	1	meyer	ORG
fsr-3160	516	2	w., & reichenstein	ORG
fsr-3160	516	3	w.	PERSON
fsr-3160	516	4	2013	DATE
fsr-3160	518	1	3	CARDINAL
fsr-3160	518	2	25	CARDINAL
fsr-3160	519	1	milesvsky	PERSON
fsr-3160	519	2	2020	DATE
fsr-3160	520	1	r. switzerland	GPE
fsr-3160	521	1	2013	DATE
fsr-3160	523	1	st. louis	PERSON
fsr-3160	523	2	mo	GPE
fsr-3160	524	1	w., & meyer	ORG
fsr-3160	524	2	w.	PERSON
fsr-3160	524	3	2018	DATE
fsr-3160	526	1	31	CARDINAL
fsr-3160	526	2	38	CARDINAL
fsr-3160	527	1	w.	PERSON
fsr-3160	527	2	horan	PERSON
fsr-3160	527	3	s. m.	PERSON
fsr-3160	527	4	w. w.	PERSON
fsr-3160	527	5	2012	DATE
fsr-3160	528	1	two	CARDINAL
fsr-3160	529	1	68	CARDINAL
fsr-3160	529	2	14	CARDINAL
fsr-3160	530	1	r.	PERSON
fsr-3160	530	2	2009	DATE
fsr-3160	531	1	three	CARDINAL
fsr-3160	532	1	hoboken	GPE
fsr-3160	532	2	nj	ORG
fsr-3160	532	3	wiley	PERSON
fsr-3160	533	1	sialm	PERSON
fsr-3160	533	2	2006	DATE
fsr-3160	535	1	30	CARDINAL
fsr-3160	535	2	511-540	CARDINAL
fsr-3160	536	1	solin	PERSON
fsr-3160	536	2	d. r.	PERSON
fsr-3160	536	3	2010	DATE
fsr-3160	538	1	new york	GPE
fsr-3160	538	2	ny	GPE
fsr-3160	539	1	sumutka	PERSON
fsr-3160	539	2	a. r.	PERSON
fsr-3160	539	3	a. m., & coopersmith	PERSON
fsr-3160	539	4	l. w.	PERSON
fsr-3160	539	5	2012	DATE
fsr-3160	541	1	25	CARDINAL
fsr-3160	541	2	41	CARDINAL
fsr-3160	542	1	j. m.	PERSON
fsr-3160	542	2	2014	DATE
fsr-3160	544	1	american	NORP
fsr-3160	544	2	104	CARDINAL
fsr-3160	544	3	1-30	DATE
fsr-3160	545	1	w.	PERSON
fsr-3160	545	2	j., & vernon	ORG
fsr-3160	545	3	s. (2017	ORG
fsr-3160	547	1	schaumburg	GPE
fsr-3160	548	1	c. t.	PERSON
fsr-3160	548	2	a. f., & little	PERSON
fsr-3160	548	3	p. l.	PERSON
fsr-3160	548	4	1994	DATE
fsr-3160	550	1	3	CARDINAL
fsr-3160	550	2	93	CARDINAL
fsr-3160	551	1	samuelson	ORG
fsr-3160	551	2	p. a.	PERSON
fsr-3160	551	3	1969	DATE
fsr-3160	553	1	51	CARDINAL
fsr-3160	553	2	239	CARDINAL
fsr-3160	554	1	vanguard	ORG
fsr-3160	555	1	2016	CARDINAL
fsr-3160	557	1	j. s.	PERSON
fsr-3160	557	2	2016	DATE
fsr-3160	558	1	roth ira conversions	PERSON
fsr-3160	559	1	15	CARDINAL
fsr-3160	559	2	47	CARDINAL
fsr-3160	560	1	welch	PERSON
fsr-3160	560	2	j. s.	PERSON
fsr-3160	560	3	2017	CARDINAL
fsr-3160	561	1	3	CARDINAL
fsr-3160	562	1	journal of financial planning	ORG
fsr-3160	562	2	30	CARDINAL
fsr-3160	562	3	45	CARDINAL
fsr-3160	563	1	a. a.	PERSON
fsr-3160	563	2	2008	DATE
fsr-3160	564	1	ira	PERSON
fsr-3160	564	2	roth	PERSON
fsr-3160	565	1	11	CARDINAL
fsr-3160	565	2	82	CARDINAL
fsr-3160	566	1	zhou	PERSON
fsr-3160	566	2	j.	PERSON
fsr-3160	566	3	2009	DATE
fsr-3160	568	1	33	CARDINAL
fsr-3160	569	1	zhou	PERSON
fsr-3160	569	2	j.	PERSON
fsr-3160	569	3	2012	DATE
fsr-3160	571	1	36, 1814-1829	DATE
fsr-3160	572	1	j. a. dilellio	PERSON
fsr-3160	572	2	a. simon	PERSON
fsr-3160	572	3	30	CARDINAL
fsr-3160	572	4	2022	CARDINAL
fsr-3160	572	5	223–249	CARDINAL