id	sid	eid	entity	type
fsr-3243	1	1	e. dante suareza	PERSON
fsr-3243	1	2	antonio suarezb	PERSON
fsr-3243	1	3	daniel t.	PERSON
fsr-3243	1	4	san antonio	GPE
fsr-3243	1	5	tx 78212	ORG
fsr-3243	1	6	usa bindependent financial advisor	ORG
fsr-3243	1	7	monterrey	GPE
fsr-3243	1	8	mexico ctrinity university	ORG
fsr-3243	1	9	san antonio	GPE
fsr-3243	1	10	tx 78212, usa	ORG
fsr-3243	6	1	2015	CARDINAL
fsr-3243	6	2	academy of financial services	ORG
fsr-3243	8	1	jel classification	ORG
fsr-3243	8	2	1	CARDINAL
fsr-3243	9	1	every year	DATE
fsr-3243	10	1	the years	DATE
fsr-3243	13	1	1-210-999	CARDINAL
fsr-3243	14	1	e. d. suarez	PERSON
fsr-3243	14	2	24	CARDINAL
fsr-3243	14	3	2015	CARDINAL
fsr-3243	14	4	331–357	CARDINAL
fsr-3243	14	5	2015	CARDINAL
fsr-3243	14	6	academy of financial services	ORG
fsr-3243	15	1	the “golden years	DATE
fsr-3243	17	1	three	CARDINAL
fsr-3243	24	1	pwa	ORG
fsr-3243	26	1	2	CARDINAL
fsr-3243	26	2	1994	DATE
fsr-3243	26	3	4%	PERCENT
fsr-3243	27	1	4%	PERCENT
fsr-3243	28	1	cooley, hubbard	ORG
fsr-3243	28	2	1998, 1999,	DATE
fsr-3243	28	3	2003	DATE
fsr-3243	28	4	2011	DATE
fsr-3243	29	1	first	ORDINAL
fsr-3243	31	1	guyton	PERSON
fsr-3243	31	2	klinger	PERSON
fsr-3243	31	3	2006	DATE
fsr-3243	32	1	mitchell	PERSON
fsr-3243	32	2	blanchett	PERSON
fsr-3243	32	3	2011	DATE
fsr-3243	33	1	zolt	PERSON
fsr-3243	33	2	2013	DATE
fsr-3243	35	1	spitzer	PERSON
fsr-3243	35	2	2008	DATE
fsr-3243	35	3	332	CARDINAL
fsr-3243	35	4	suarez et al	PERSON
fsr-3243	35	5	24	CARDINAL
fsr-3243	35	6	2015	CARDINAL
fsr-3243	35	7	331–357	CARDINAL
fsr-3243	35	8	five years	DATE
fsr-3243	36	1	blanchett	PERSON
fsr-3243	36	2	2009	DATE
fsr-3243	36	3	annually	DATE
fsr-3243	37	1	3%	PERCENT
fsr-3243	39	1	years	DATE
fsr-3243	40	1	2006	DATE
fsr-3243	41	1	2008	DATE
fsr-3243	42	1	mitchell	PERSON
fsr-3243	42	2	2011	DATE
fsr-3243	44	1	milevsky	PERSON
fsr-3243	44	2	huang	PERSON
fsr-3243	44	3	2011	DATE
fsr-3243	45	1	williams	PERSON
fsr-3243	45	2	finke	PERSON
fsr-3243	45	3	2011	DATE
fsr-3243	46	1	blanchett	PERSON
fsr-3243	46	2	chen	PERSON
fsr-3243	46	3	2012	DATE
fsr-3243	48	1	blanchett	GPE
fsr-3243	48	2	blanchett	PERSON
fsr-3243	48	3	2008	DATE
fsr-3243	48	4	2012	DATE
fsr-3243	48	5	blanchett	PERSON
fsr-3243	48	6	2014	DATE
fsr-3243	49	1	pwa	ORG
fsr-3243	50	1	3	CARDINAL
fsr-3243	50	2	annual	DATE
fsr-3243	50	3	the first day of the year	DATE
fsr-3243	50	4	annual	DATE
fsr-3243	52	1	annual	DATE
fsr-3243	52	2	only one	CARDINAL
fsr-3243	52	3	n years	DATE
fsr-3243	53	1	n years	DATE
fsr-3243	55	1	suarez et al	PERSON
fsr-3243	55	2	24	CARDINAL
fsr-3243	55	3	2015	CARDINAL
fsr-3243	55	4	331–357	CARDINAL
fsr-3243	55	5	three	CARDINAL
fsr-3243	55	6	1	CARDINAL
fsr-3243	55	7	2	CARDINAL
fsr-3243	55	8	zero	CARDINAL
fsr-3243	55	9	3	CARDINAL
fsr-3243	55	10	1	CARDINAL
fsr-3243	55	11	1	CARDINAL
fsr-3243	55	12	ki	PERSON
fsr-3243	55	13	the beginning of year	DATE
fsr-3243	55	14	w	GPE
fsr-3243	55	15	ri	GPE
fsr-3243	55	16	annual	DATE
fsr-3243	57	1	1	CARDINAL
fsr-3243	57	2	ks	ORG
fsr-3243	57	3	kn	PERSON
fsr-3243	57	4	ke	PERSON
fsr-3243	57	5	ks	GPE
fsr-3243	57	6	1	CARDINAL
fsr-3243	58	1	1	CARDINAL
fsr-3243	58	2	1 � r3	QUANTITY
fsr-3243	59	1	1	CARDINAL
fsr-3243	59	2	2	CARDINAL
fsr-3243	59	3	2	CARDINAL
fsr-3243	60	1	3	CARDINAL
fsr-3243	61	1	3	CARDINAL
fsr-3243	61	2	5%	PERCENT
fsr-3243	61	3	the first year	DATE
fsr-3243	61	4	3%	PERCENT
fsr-3243	61	5	the second year	DATE
fsr-3243	61	6	minus 6%	PERCENT
fsr-3243	61	7	the third year	DATE
fsr-3243	61	8	annual	DATE
fsr-3243	62	1	pwa	ORG
fsr-3243	63	1	one	CARDINAL
fsr-3243	63	2	pwa	ORG
fsr-3243	63	3	pwa	ORG
fsr-3243	64	1	the next 30 years	DATE
fsr-3243	65	1	1	CARDINAL
fsr-3243	66	1	monte carlo	PERSON
fsr-3243	67	1	334	CARDINAL
fsr-3243	67	2	suarez et al	PERSON
fsr-3243	67	3	24	CARDINAL
fsr-3243	67	4	2015	CARDINAL
fsr-3243	67	5	331–357	CARDINAL
fsr-3243	67	6	30 years	DATE
fsr-3243	68	1	3	CARDINAL
fsr-3243	68	2	each year	DATE
fsr-3243	68	3	7.2556 cents	MONEY
fsr-3243	70	1	2	CARDINAL
fsr-3243	71	1	$1 million	MONEY
fsr-3243	71	2	zero	CARDINAL
fsr-3243	71	3	72,556	MONEY
fsr-3243	73	1	one	CARDINAL
fsr-3243	73	2	pwa	ORG
fsr-3243	74	1	pwa	ORG
fsr-3243	75	1	2	CARDINAL
fsr-3243	75	2	pwa	ORG
fsr-3243	75	3	1	CARDINAL
fsr-3243	75	4	$1 million	MONEY
fsr-3243	75	5	0	MONEY
fsr-3243	75	6	72,556	MONEY
fsr-3243	76	1	335e.d	CARDINAL
fsr-3243	77	1	suarez et al	PERSON
fsr-3243	77	2	24	CARDINAL
fsr-3243	77	3	2015	CARDINAL
fsr-3243	77	4	331–357	CARDINAL
fsr-3243	81	1	first	ORDINAL
fsr-3243	82	1	3	CARDINAL
fsr-3243	85	1	1	CARDINAL
fsr-3243	85	2	1	CARDINAL
fsr-3243	85	3	1 � r3	QUANTITY
fsr-3243	86	1	1	CARDINAL
fsr-3243	86	2	1	CARDINAL
fsr-3243	86	3	1 � r3	QUANTITY
fsr-3243	87	1	1	CARDINAL
fsr-3243	87	2	1 � r3	QUANTITY
fsr-3243	87	3	1 � r4	QUANTITY
fsr-3243	88	1	1	CARDINAL
fsr-3243	89	1	1	CARDINAL
fsr-3243	89	2	1	CARDINAL
fsr-3243	89	3	4	CARDINAL
fsr-3243	89	4	first	ORDINAL
fsr-3243	90	1	1/	CARDINAL
fsr-3243	90	2	favorable.4	ORG
fsr-3243	90	3	sn	ORG
fsr-3243	90	4	two	CARDINAL
fsr-3243	92	1	3	CARDINAL
fsr-3243	92	2	sn	ORG
fsr-3243	92	3	5	CARDINAL
fsr-3243	92	4	sn	ORG
fsr-3243	97	1	first	ORDINAL
fsr-3243	98	1	blanchett	GPE
fsr-3243	98	2	2010	DATE
fsr-3243	98	3	mitchell	PERSON
fsr-3243	98	4	blanchett	GPE
fsr-3243	98	5	2011	DATE
fsr-3243	99	1	2014	DATE
fsr-3243	101	1	5	CARDINAL
fsr-3243	101	2	sn	ORG
fsr-3243	102	1	sn	ORG
fsr-3243	102	2	336	CARDINAL
fsr-3243	102	3	suarez et al	PERSON
fsr-3243	102	4	24	CARDINAL
fsr-3243	102	5	2015	CARDINAL
fsr-3243	102	6	331–357	CARDINAL
fsr-3243	103	1	second	ORDINAL
fsr-3243	104	1	5	CARDINAL
fsr-3243	104	2	6	CARDINAL
fsr-3243	106	1	zero	CARDINAL
fsr-3243	106	2	2006	DATE
fsr-3243	106	3	bernard, 2011	ORG
fsr-3243	106	4	spitzer	ORG
fsr-3243	106	5	2008	DATE
fsr-3243	108	1	zero	CARDINAL
fsr-3243	109	1	two	CARDINAL
fsr-3243	109	2	bernard, 2011	ORG
fsr-3243	113	1	4.	CARDINAL
fsr-3243	113	2	pwa	ORG
fsr-3243	113	3	100%	PERCENT
fsr-3243	115	1	pwa	ORG
fsr-3243	116	1	pwa	ORG
fsr-3243	117	1	monthly	DATE
fsr-3243	117	2	april 2013	DATE
fsr-3243	117	3	360	CARDINAL
fsr-3243	118	1	monthly	DATE
fsr-3243	118	2	30-year	DATE
fsr-3243	118	3	first	ORDINAL
fsr-3243	118	4	12	CARDINAL
fsr-3243	118	5	annual	DATE
fsr-3243	118	6	year 1	DATE
fsr-3243	118	7	the next 12 values became	DATE
fsr-3243	118	8	year 2	DATE
fsr-3243	118	9	20,000	CARDINAL
fsr-3243	118	10	sn	ORG
fsr-3243	119	1	20,000	CARDINAL
fsr-3243	119	2	sn	ORG
fsr-3243	119	3	30 entries.7 fig	DATE
fsr-3243	120	1	337e.d	TIME
fsr-3243	121	1	suarez et al	PERSON
fsr-3243	121	2	24	CARDINAL
fsr-3243	121	3	2015	CARDINAL
fsr-3243	121	4	331–357 3	CARDINAL
fsr-3243	121	5	pwa	ORG
fsr-3243	122	1	5	CARDINAL
fsr-3243	122	2	20,000	CARDINAL
fsr-3243	122	3	sn	ORG
fsr-3243	122	4	$1 million	MONEY
fsr-3243	122	5	0	MONEY
fsr-3243	124	1	4	CARDINAL
fsr-3243	127	1	62,000	MONEY
fsr-3243	127	2	64%	PERCENT
fsr-3243	127	3	62,000	MONEY
fsr-3243	127	4	36%	PERCENT
fsr-3243	128	1	0	MONEY
fsr-3243	129	1	pwa	ORG
fsr-3243	130	1	two	CARDINAL
fsr-3243	132	1	5	CARDINAL
fsr-3243	134	1	sn	ORG
fsr-3243	134	2	sn	ORG
fsr-3243	134	3	43,000	MONEY
fsr-3243	134	4	first	ORDINAL
fsr-3243	134	5	pwa	ORG
fsr-3243	135	1	close to 90%	PERCENT
fsr-3243	137	1	3	CARDINAL
fsr-3243	137	2	annual	DATE
fsr-3243	137	3	20,000	CARDINAL
fsr-3243	137	4	monte carlo	PERSON
fsr-3243	139	1	338	CARDINAL
fsr-3243	139	2	suarez et al	PERSON
fsr-3243	139	3	24	CARDINAL
fsr-3243	139	4	2015	DATE
fsr-3243	139	5	331–357	CARDINAL
fsr-3243	140	1	4	CARDINAL
fsr-3243	141	1	3	CARDINAL
fsr-3243	141	2	10%	PERCENT
fsr-3243	142	1	annual	DATE
fsr-3243	143	1	fig	ORG
fsr-3243	144	1	5	CARDINAL
fsr-3243	145	1	3	CARDINAL
fsr-3243	145	2	pwa	ORG
fsr-3243	145	3	500k	MONEY
fsr-3243	146	1	62k	MONEY
fsr-3243	146	2	36%	PERCENT
fsr-3243	146	3	46%	PERCENT
fsr-3243	146	4	500k	MONEY
fsr-3243	147	1	between $0 and $500k	MONEY
fsr-3243	147	2	10%	PERCENT
fsr-3243	148	1	339e.d	CARDINAL
fsr-3243	149	1	suarez et al	PERSON
fsr-3243	149	2	24	CARDINAL
fsr-3243	149	3	2015	CARDINAL
fsr-3243	149	4	331–357	CARDINAL
fsr-3243	149	5	74%	PERCENT
fsr-3243	149	6	zero	CARDINAL
fsr-3243	150	1	two	CARDINAL
fsr-3243	150	2	58%	PERCENT
fsr-3243	151	1	one	CARDINAL
fsr-3243	151	2	4.3%	PERCENT
fsr-3243	151	3	100%	PERCENT
fsr-3243	151	4	12%	PERCENT
fsr-3243	151	5	10	CARDINAL
fsr-3243	152	1	hubbard	GPE
fsr-3243	152	2	1998	DATE
fsr-3243	154	1	each year	DATE
fsr-3243	155	1	5	CARDINAL
fsr-3243	155	2	pwa	ORG
fsr-3243	155	3	the beginning of retirement	DATE
fsr-3243	155	4	year 1	DATE
fsr-3243	155	5	the previous 12 months	DATE
fsr-3243	156	1	pwa	ORG
fsr-3243	157	1	5	CARDINAL
fsr-3243	157	2	one	CARDINAL
fsr-3243	158	1	20,000	CARDINAL
fsr-3243	158	2	sn	ORG
fsr-3243	158	3	12	CARDINAL
fsr-3243	158	4	one year	DATE
fsr-3243	159	1	year 2	DATE
fsr-3243	159	2	year 1	DATE
fsr-3243	160	1	every year	DATE
fsr-3243	161	1	pwa	ORG
fsr-3243	163	1	pwa	ORG
fsr-3243	164	1	a year	DATE
fsr-3243	165	1	years	DATE
fsr-3243	165	2	one	CARDINAL
fsr-3243	169	1	pwa	ORG
fsr-3243	170	1	every year	DATE
fsr-3243	171	1	340	CARDINAL
fsr-3243	171	2	suarez et al	PERSON
fsr-3243	171	3	24	CARDINAL
fsr-3243	171	4	2015	CARDINAL
fsr-3243	171	5	331–357	CARDINAL
fsr-3243	173	1	6	CARDINAL
fsr-3243	173	2	7	CARDINAL
fsr-3243	174	1	6	CARDINAL
fsr-3243	174	2	sn	ORG
fsr-3243	174	3	100%	PERCENT
fsr-3243	175	1	$1 million	MONEY
fsr-3243	175	2	30 years	DATE
fsr-3243	176	1	90%	PERCENT
fsr-3243	178	1	43,000	MONEY
fsr-3243	178	2	4.3%	PERCENT
fsr-3243	179	1	her first year	DATE
fsr-3243	179	2	10%	PERCENT
fsr-3243	179	3	957,000	MONEY
fsr-3243	179	4	43k	MONEY
fsr-3243	179	5	861,000	MONEY
fsr-3243	180	1	43,000	MONEY
fsr-3243	180	2	the second year	DATE
fsr-3243	181	1	43k	MONEY
fsr-3243	181	2	5.0%	PERCENT
fsr-3243	181	3	29 years	DATE
fsr-3243	181	4	90%	PERCENT
fsr-3243	183	1	fig	ORG
fsr-3243	184	1	6	CARDINAL
fsr-3243	185	1	each year	DATE
fsr-3243	186	1	90%	PERCENT
fsr-3243	186	2	each year	DATE
fsr-3243	186	3	the last row	DATE
fsr-3243	188	1	suarez et al	PERSON
fsr-3243	188	2	24	CARDINAL
fsr-3243	188	3	2015	CARDINAL
fsr-3243	188	4	331–357	CARDINAL
fsr-3243	188	5	bernard, 2011	ORG
fsr-3243	188	6	blanchett	PERSON
fsr-3243	188	7	frank	PERSON
fsr-3243	188	8	2009	DATE
fsr-3243	188	9	guyton	PERSON
fsr-3243	188	10	2004	DATE
fsr-3243	188	11	mitchell,	ORG
fsr-3243	188	12	2011	DATE
fsr-3243	188	13	pye	ORG
fsr-3243	188	14	2000	DATE
fsr-3243	188	15	robinson	PERSON
fsr-3243	188	16	2007	DATE
fsr-3243	188	17	2006	DATE
fsr-3243	189	1	guyton	PERSON
fsr-3243	189	2	klinger	PERSON
fsr-3243	189	3	2006	DATE
fsr-3243	189	4	year to year	DATE
fsr-3243	189	5	a year	DATE
fsr-3243	189	6	year	DATE
fsr-3243	189	7	5	CARDINAL
fsr-3243	189	8	a current year	DATE
fsr-3243	189	9	more than 20%	PERCENT
fsr-3243	189	10	the current year’s	DATE
fsr-3243	189	11	10%	PERCENT
fsr-3243	189	12	15 years	DATE
fsr-3243	189	13	7	CARDINAL
fsr-3243	191	1	pwa	ORG
fsr-3243	191	2	every year	DATE
fsr-3243	196	1	6	CARDINAL
fsr-3243	196	2	6	CARDINAL
fsr-3243	197	1	previous years	DATE
fsr-3243	198	1	6	CARDINAL
fsr-3243	200	1	90%	PERCENT
fsr-3243	200	2	90%	PERCENT
fsr-3243	201	1	90%	PERCENT
fsr-3243	204	1	pwa	ORG
fsr-3243	205	1	pwa	ORG
fsr-3243	205	2	this year	DATE
fsr-3243	206	1	342 e.d	QUANTITY
fsr-3243	206	2	suarez et al	PERSON
fsr-3243	206	3	24	CARDINAL
fsr-3243	206	4	2015	CARDINAL
fsr-3243	206	5	331–357	CARDINAL
fsr-3243	206	6	ks	GPE
fsr-3243	206	7	pwa	ORG
fsr-3243	206	8	the subsequent years	DATE
fsr-3243	206	9	w*	GPE
fsr-3243	206	10	this year	DATE
fsr-3243	206	11	2	CARDINAL
fsr-3243	207	1	year 1 to year	DATE
fsr-3243	207	2	year 2 to year	DATE
fsr-3243	209	1	ks	GPE
fsr-3243	209	2	9	CARDINAL
fsr-3243	209	3	pwa	ORG
fsr-3243	209	4	w	ORG
fsr-3243	209	5	sn	ORG
fsr-3243	209	6	pwa	ORG
fsr-3243	209	7	1	CARDINAL
fsr-3243	209	8	1	CARDINAL
fsr-3243	209	9	10	CARDINAL
fsr-3243	209	10	pwa	ORG
fsr-3243	209	11	sn	ORG
fsr-3243	211	1	7	CARDINAL
fsr-3243	211	2	two	CARDINAL
fsr-3243	211	3	w*�$100,000	ORG
fsr-3243	214	1	pwa	ORG
fsr-3243	214	2	first	ORDINAL
fsr-3243	214	3	first	ORDINAL
fsr-3243	216	1	3	CARDINAL
fsr-3243	217	1	this year	DATE
fsr-3243	217	2	pwa	ORG
fsr-3243	219	1	suarez et al	PERSON
fsr-3243	219	2	24	CARDINAL
fsr-3243	219	3	2015	CARDINAL
fsr-3243	219	4	331–357	CARDINAL
fsr-3243	219	5	one year	DATE
fsr-3243	222	1	8	CARDINAL
fsr-3243	223	1	10	CARDINAL
fsr-3243	223	2	pwa	ORG
fsr-3243	223	3	streams.11	ORG
fsr-3243	225	1	a number of years	DATE
fsr-3243	226	1	two	CARDINAL
fsr-3243	228	1	8	CARDINAL
fsr-3243	228	2	pwa	ORG
fsr-3243	228	3	year 1	DATE
fsr-3243	229	1	7	CARDINAL
fsr-3243	230	1	40,000	MONEY
fsr-3243	230	2	4%	PERCENT
fsr-3243	230	3	110,000	MONEY
fsr-3243	230	4	year 1	DATE
fsr-3243	230	5	90%	PERCENT
fsr-3243	231	1	344 e.d	QUANTITY
fsr-3243	231	2	suarez et al	PERSON
fsr-3243	231	3	24	CARDINAL
fsr-3243	231	4	2015	CARDINAL
fsr-3243	231	5	331–357	CARDINAL
fsr-3243	232	1	3	CARDINAL
fsr-3243	232	2	the first years	DATE
fsr-3243	233	1	1	CARDINAL
fsr-3243	237	1	6	CARDINAL
fsr-3243	239	1	$1 million	MONEY
fsr-3243	239	2	30-year	DATE
fsr-3243	239	3	500,000	MONEY
fsr-3243	239	4	90%	PERCENT
fsr-3243	239	5	34,600	MONEY
fsr-3243	240	1	400,000	MONEY
fsr-3243	240	2	90%-safe	CARDINAL
fsr-3243	240	3	36,157	MONEY
fsr-3243	240	4	4.5%	PERCENT
fsr-3243	241	1	just $200,000	MONEY
fsr-3243	241	2	an additional 10.4%	PERCENT
fsr-3243	241	3	39,921	MONEY
fsr-3243	243	1	4	CARDINAL
fsr-3243	243	2	90%-safe	CARDINAL
fsr-3243	243	3	43,316	MONEY
fsr-3243	244	1	fig	ORG
fsr-3243	245	1	9	CARDINAL
fsr-3243	247	1	a number of years	DATE
fsr-3243	248	1	pwa	ORG
fsr-3243	250	1	9	CARDINAL
fsr-3243	250	2	1	MONEY
fsr-3243	250	3	30-year	DATE
fsr-3243	252	1	close to $52k	MONEY
fsr-3243	252	2	500k	MONEY
fsr-3243	252	3	70%	PERCENT
fsr-3243	253	1	80%	PERCENT
fsr-3243	255	1	suarez et al	PERSON
fsr-3243	255	2	24	CARDINAL
fsr-3243	255	3	2015	CARDINAL
fsr-3243	255	4	331–357 7	DATE
fsr-3243	255	5	pwa	ORG
fsr-3243	256	1	between one year	DATE
fsr-3243	258	1	two	CARDINAL
fsr-3243	259	1	50%	PERCENT
fsr-3243	261	1	30-year	DATE
fsr-3243	261	2	pwa	ORG
fsr-3243	262	1	first	ORDINAL
fsr-3243	262	2	the end of the year	DATE
fsr-3243	262	3	year 2	DATE
fsr-3243	263	1	the previous year	DATE
fsr-3243	263	2	15%-to-85%	PERCENT
fsr-3243	263	3	70	CARDINAL
fsr-3243	263	4	pwa	ORG
fsr-3243	263	5	1 year	DATE
fsr-3243	265	1	every year	DATE
fsr-3243	266	1	monte carlo	PERSON
fsr-3243	266	2	$1 million	MONEY
fsr-3243	266	3	0	MONEY
fsr-3243	268	1	10, 11	DATE
fsr-3243	268	2	12	CARDINAL
fsr-3243	268	3	three	CARDINAL
fsr-3243	269	1	one	CARDINAL
fsr-3243	269	2	three	CARDINAL
fsr-3243	271	1	one	CARDINAL
fsr-3243	274	1	346	CARDINAL
fsr-3243	274	2	suarez et al	PERSON
fsr-3243	274	3	24	CARDINAL
fsr-3243	274	4	331–357 8	DATE
fsr-3243	275	1	three	CARDINAL
fsr-3243	275	2	1	CARDINAL
fsr-3243	275	3	three	CARDINAL
fsr-3243	275	4	$1 million	MONEY
fsr-3243	275	5	0	MONEY
fsr-3243	277	1	1	CARDINAL
fsr-3243	277	2	14.5	CARDINAL
fsr-3243	277	3	12.0%	PERCENT
fsr-3243	277	4	year 29	DATE
fsr-3243	277	5	44.2%	PERCENT
fsr-3243	277	6	year 8	DATE
fsr-3243	278	1	fig	ORG
fsr-3243	278	2	2	CARDINAL
fsr-3243	278	3	pwa	ORG
fsr-3243	278	4	72,556	MONEY
fsr-3243	279	1	3	CARDINAL
fsr-3243	279	2	4	CARDINAL
fsr-3243	287	1	10	CARDINAL
fsr-3243	288	1	30-year	DATE
fsr-3243	288	2	pwa	ORG
fsr-3243	289	1	more than 85%	PERCENT
fsr-3243	289	2	less than 15%	PERCENT
fsr-3243	290	1	pwa	ORG
fsr-3243	291	1	pwa	ORG
fsr-3243	291	2	84,792	MONEY
fsr-3243	291	3	fig.	DATE
fsr-3243	292	1	4	CARDINAL
fsr-3243	294	1	suarez et al	PERSON
fsr-3243	294	2	24	CARDINAL
fsr-3243	294	3	2015	CARDINAL
fsr-3243	294	4	331–357	CARDINAL
fsr-3243	294	5	pwa	ORG
fsr-3243	295	1	30-year	DATE
fsr-3243	296	1	first	ORDINAL
fsr-3243	296	2	4%	PERCENT
fsr-3243	296	3	40,000	MONEY
fsr-3243	297	1	13	CARDINAL
fsr-3243	298	1	pwa	ORG
fsr-3243	298	2	72,556	MONEY
fsr-3243	299	1	3,013,737	MONEY
fsr-3243	299	2	year 30	DATE
fsr-3243	300	1	only one	CARDINAL
fsr-3243	300	2	the last year	DATE
fsr-3243	301	1	40,000	MONEY
fsr-3243	301	2	one	CARDINAL
fsr-3243	301	3	9.3%	PERCENT
fsr-3243	301	4	bequeaths	ORG
fsr-3243	301	5	3,250,295	MONEY
fsr-3243	302	1	98%	PERCENT
fsr-3243	302	2	year 3	DATE
fsr-3243	303	1	year 15	DATE
fsr-3243	303	2	40,000	MONEY
fsr-3243	303	3	1,832,363	MONEY
fsr-3243	303	4	year 15	DATE
fsr-3243	304	1	above 100%	PERCENT
fsr-3243	305	1	second	ORDINAL
fsr-3243	306	1	14	CARDINAL
fsr-3243	306	2	70	CARDINAL
fsr-3243	307	1	30-year	DATE
fsr-3243	307	2	pwa	ORG
fsr-3243	308	1	11	CARDINAL
fsr-3243	310	1	10	CARDINAL
fsr-3243	310	2	pwa	ORG
fsr-3243	310	3	118,498	MONEY
fsr-3243	311	1	fig	ORG
fsr-3243	312	1	4	CARDINAL
fsr-3243	313	1	348	CARDINAL
fsr-3243	313	2	suarez et al	PERSON
fsr-3243	313	3	24	CARDINAL
fsr-3243	313	4	2015	CARDINAL
fsr-3243	313	5	331–357	CARDINAL
fsr-3243	315	1	70	CARDINAL
fsr-3243	315	2	50%	PERCENT
fsr-3243	315	3	between 85% and 15%	PERCENT
fsr-3243	315	4	pwa	ORG
fsr-3243	317	1	30-year	DATE
fsr-3243	317	2	pwa	ORG
fsr-3243	317	3	70,465	MONEY
fsr-3243	318	1	4	CARDINAL
fsr-3243	318	2	a number of years	DATE
fsr-3243	319	1	year 7	DATE
fsr-3243	319	2	25%	PERCENT
fsr-3243	320	1	year 20	DATE
fsr-3243	320	2	75%	PERCENT
fsr-3243	321	1	year 23	DATE
fsr-3243	321	2	91%	PERCENT
fsr-3243	322	1	615,189	MONEY
fsr-3243	322	2	pwa	ORG
fsr-3243	322	3	8 years	DATE
fsr-3243	322	4	year 23	DATE
fsr-3243	322	5	94,648	MONEY
fsr-3243	323	1	only two years later	DATE
fsr-3243	323	2	16%	PERCENT
fsr-3243	324	1	the beginning of year 30	DATE
fsr-3243	324	2	71,908	MONEY
fsr-3243	324	3	24%	PERCENT
fsr-3243	325	1	year 29	DATE
fsr-3243	325	2	12.0%	PERCENT
fsr-3243	327	1	12	CARDINAL
fsr-3243	329	1	10 and 11	DATE
fsr-3243	329	2	53,691	MONEY
fsr-3243	331	1	4	CARDINAL
fsr-3243	331	2	the lower half	DATE
fsr-3243	333	1	suarez et al	PERSON
fsr-3243	333	2	24	CARDINAL
fsr-3243	333	3	2015	CARDINAL
fsr-3243	333	4	331–357	CARDINAL
fsr-3243	333	5	the first two decades	DATE
fsr-3243	333	6	4%	PERCENT
fsr-3243	334	1	third	ORDINAL
fsr-3243	334	2	second	ORDINAL
fsr-3243	335	1	three	CARDINAL
fsr-3243	335	2	pwa	ORG
fsr-3243	336	1	75%	PERCENT
fsr-3243	336	2	pwa	ORG
fsr-3243	336	3	50%	PERCENT
fsr-3243	337	1	30	CARDINAL
fsr-3243	337	2	60% to 90%	PERCENT
fsr-3243	339	1	third	ORDINAL
fsr-3243	339	2	75%	PERCENT
fsr-3243	340	1	some years	DATE
fsr-3243	341	1	first	ORDINAL
fsr-3243	341	2	30	CARDINAL
fsr-3243	342	1	15.13	CARDINAL
fsr-3243	343	1	55,025	MONEY
fsr-3243	343	2	75%	PERCENT
fsr-3243	344	1	13	CARDINAL
fsr-3243	345	1	4%	PERCENT
fsr-3243	346	1	1	CARDINAL
fsr-3243	346	2	40,000	MONEY
fsr-3243	346	3	pwa	ORG
fsr-3243	348	1	30 years	DATE
fsr-3243	348	2	bequeaths more than $3 million	MONEY
fsr-3243	349	1	350	CARDINAL
fsr-3243	349	2	suarez et al	PERSON
fsr-3243	349	3	24	CARDINAL
fsr-3243	349	4	2015	CARDINAL
fsr-3243	349	5	331–357	CARDINAL
fsr-3243	351	1	199,620	MONEY
fsr-3243	351	2	year 29	DATE
fsr-3243	351	3	12.0%	PERCENT
fsr-3243	351	4	199,197	MONEY
fsr-3243	352	1	three	CARDINAL
fsr-3243	353	1	4%	PERCENT
fsr-3243	355	1	first	ORDINAL
fsr-3243	356	1	fig	ORG
fsr-3243	357	1	16	CARDINAL
fsr-3243	357	2	three	CARDINAL
fsr-3243	359	1	1	CARDINAL
fsr-3243	359	2	one	CARDINAL
fsr-3243	360	1	12	CARDINAL
fsr-3243	362	1	17	CARDINAL
fsr-3243	362	2	pwa	ORG
fsr-3243	362	3	just $53,691	MONEY
fsr-3243	362	4	$1 million	MONEY
fsr-3243	362	5	0	MONEY
fsr-3243	363	1	fig	ORG
fsr-3243	364	1	18	CARDINAL
fsr-3243	365	1	16	CARDINAL
fsr-3243	367	1	14	CARDINAL
fsr-3243	369	1	13	CARDINAL
fsr-3243	369	2	70	CARDINAL
fsr-3243	370	1	4%	PERCENT
fsr-3243	371	1	year 30	DATE
fsr-3243	373	1	suarez et al	PERSON
fsr-3243	373	2	24	CARDINAL
fsr-3243	373	3	331–357 9	DATE
fsr-3243	376	1	pwa	ORG
fsr-3243	378	1	pwa	ORG
fsr-3243	383	1	50%	PERCENT
fsr-3243	384	1	pwa	ORG
fsr-3243	384	2	pwa	ORG
fsr-3243	385	1	close to 50%	PERCENT
fsr-3243	387	1	15	CARDINAL
fsr-3243	388	1	13	CARDINAL
fsr-3243	388	2	14	DATE
fsr-3243	388	3	first	ORDINAL
fsr-3243	388	4	30	CARDINAL
fsr-3243	389	1	fig	ORG
fsr-3243	389	2	14	DATE
fsr-3243	389	3	around 75%	PERCENT
fsr-3243	389	4	50%	PERCENT
fsr-3243	389	5	30	CARDINAL
fsr-3243	389	6	70	CARDINAL
fsr-3243	390	1	352	CARDINAL
fsr-3243	390	2	suarez et al	PERSON
fsr-3243	390	3	24	CARDINAL
fsr-3243	390	4	2015	CARDINAL
fsr-3243	391	1	331–357	CARDINAL
fsr-3243	391	2	close to half	CARDINAL
fsr-3243	393	1	the other half	DATE
fsr-3243	394	1	16	CARDINAL
fsr-3243	397	1	13	CARDINAL
fsr-3243	397	2	14	DATE
fsr-3243	397	3	15	CARDINAL
fsr-3243	398	1	4%	PERCENT
fsr-3243	400	1	first	ORDINAL
fsr-3243	401	1	fig	ORG
fsr-3243	402	1	17	CARDINAL
fsr-3243	403	1	monte carlo	ORG
fsr-3243	405	1	12	CARDINAL
fsr-3243	407	1	suarez et al	PERSON
fsr-3243	407	2	24	CARDINAL
fsr-3243	407	3	2015	CARDINAL
fsr-3243	407	4	331–357	CARDINAL
fsr-3243	409	1	à la bengen	PERSON
fsr-3243	409	2	pwa	ORG
fsr-3243	411	1	pwa	ORG
fsr-3243	412	1	pwa	ORG
fsr-3243	414	1	pwa	ORG
fsr-3243	417	1	18	CARDINAL
fsr-3243	417	2	three	CARDINAL
fsr-3243	418	1	16	CARDINAL
fsr-3243	419	1	17	CARDINAL
fsr-3243	420	1	1	CARDINAL
fsr-3243	421	1	4%	PERCENT
fsr-3243	421	2	two	CARDINAL
fsr-3243	421	3	735,059	MONEY
fsr-3243	422	1	354 e.d	QUANTITY
fsr-3243	422	2	suarez et al	PERSON
fsr-3243	422	3	24	CARDINAL
fsr-3243	422	4	2015	CARDINAL
fsr-3243	423	1	331–357	CARDINAL
fsr-3243	423	2	1	CARDINAL
fsr-3243	423	3	annual	DATE
fsr-3243	423	4	1994	DATE
fsr-3243	424	1	2	CARDINAL
fsr-3243	425	1	3	CARDINAL
fsr-3243	425	2	chen	PERSON
fsr-3243	425	3	2012	DATE
fsr-3243	425	4	pwa	ORG
fsr-3243	426	1	pwa	ORG
fsr-3243	426	2	pwa	ORG
fsr-3243	426	3	1	MONEY
fsr-3243	426	4	zero	CARDINAL
fsr-3243	426	5	4	CARDINAL
fsr-3243	427	1	5	CARDINAL
fsr-3243	428	1	6	CARDINAL
fsr-3243	428	2	blanchett	GPE
fsr-3243	428	3	2007	DATE
fsr-3243	428	4	blanchett	PERSON
fsr-3243	428	5	2009	DATE
fsr-3243	428	6	spitzer	ORG
fsr-3243	428	7	2008	DATE
fsr-3243	428	8	spitzer	ORG
fsr-3243	428	9	strieter	PERSON
fsr-3243	428	10	singh	GPE
fsr-3243	428	11	2007	DATE
fsr-3243	428	12	zolt	PERSON
fsr-3243	428	13	2013	DATE
fsr-3243	429	1	7	CARDINAL
fsr-3243	429	2	pwa	ORG
fsr-3243	430	1	sn	ORG
fsr-3243	431	1	pwa	ORG
fsr-3243	431	2	8	CARDINAL
fsr-3243	431	3	sn	ORG
fsr-3243	434	1	the current year’s	DATE
fsr-3243	434	2	the current year’s	DATE
fsr-3243	435	1	the middle of the year	DATE
fsr-3243	436	1	ks	GPE
fsr-3243	436	2	ks	GPE
fsr-3243	437	1	10	CARDINAL
fsr-3243	438	1	8 and 9	DATE
fsr-3243	438	2	11	CARDINAL
fsr-3243	438	3	robinson	PERSON
fsr-3243	438	4	2010	DATE
fsr-3243	439	1	12	CARDINAL
fsr-3243	439	2	three	CARDINAL
fsr-3243	439	3	the monte carlo engine	ORG
fsr-3243	440	1	20,000	CARDINAL
fsr-3243	441	1	13	CARDINAL
fsr-3243	443	1	suarez et al	PERSON
fsr-3243	443	2	24	CARDINAL
fsr-3243	443	3	2015	CARDINAL
fsr-3243	443	4	331–357	CARDINAL
fsr-3243	443	5	david blanchett	PERSON
fsr-3243	443	6	2014	DATE
fsr-3243	443	7	annual	DATE
fsr-3243	443	8	the academy of financial services	ORG
fsr-3243	443	9	nashville	GPE
fsr-3243	444	1	w. p.	PERSON
fsr-3243	444	2	1994	DATE
fsr-3243	446	1	journal of financial planning	ORG
fsr-3243	446	2	7	CARDINAL
fsr-3243	446	3	171–180	CARDINAL
fsr-3243	446	4	bengen	GPE
fsr-3243	446	5	w. p.	PERSON
fsr-3243	446	6	2006	DATE
fsr-3243	448	1	19	CARDINAL
fsr-3243	448	2	44–51	CARDINAL
fsr-3243	449	1	bernard, g. a. (	PERSON
fsr-3243	449	2	2011	DATE
fsr-3243	451	1	journal of financial service	ORG
fsr-3243	451	2	65	DATE
fsr-3243	451	3	44–61	CARDINAL
fsr-3243	452	1	blanchett	PERSON
fsr-3243	452	2	d. m.	PERSON
fsr-3243	452	3	2007	DATE
fsr-3243	454	1	20	CARDINAL
fsr-3243	455	1	blanchett	PERSON
fsr-3243	455	2	d. m.	PERSON
fsr-3243	455	3	b. c. (	PERSON
fsr-3243	455	4	2008	DATE
fsr-3243	457	1	journal of financial planning	ORG
fsr-3243	457	2	21	CARDINAL
fsr-3243	458	1	blanchett	PERSON
fsr-3243	458	2	d.	NORP
fsr-3243	458	3	m., & pfau	ORG
fsr-3243	458	4	w. d.	PERSON
fsr-3243	458	5	2014	DATE
fsr-3243	460	1	the retirement management journal	ORG
fsr-3243	460	2	4	CARDINAL
fsr-3243	461	1	blanchett	PERSON
fsr-3243	461	2	d. m.	PERSON
fsr-3243	461	3	l. r.	PERSON
fsr-3243	461	4	2009	DATE
fsr-3243	463	1	22	CARDINAL
fsr-3243	464	1	blanchett	PERSON
fsr-3243	464	2	d. m.	PERSON
fsr-3243	464	3	kowara	GPE
fsr-3243	464	4	m., & chen	ORG
fsr-3243	464	5	2012	DATE
fsr-3243	466	1	the retirement management journal	ORG
fsr-3243	466	2	2	CARDINAL
fsr-3243	466	3	cooley, p. l.	ORG
fsr-3243	466	4	hubbard	GPE
fsr-3243	466	5	d. t.	PERSON
fsr-3243	466	6	1998	DATE
fsr-3243	468	1	the american association of individual investors	ORG
fsr-3243	468	2	20	CARDINAL
fsr-3243	469	1	cooley, p. l.	ORG
fsr-3243	469	2	hubbard	GPE
fsr-3243	469	3	d. t.	PERSON
fsr-3243	469	4	1999	DATE
fsr-3243	471	1	10	CARDINAL
fsr-3243	471	2	cooley, p. l.	ORG
fsr-3243	471	3	hubbard	GPE
fsr-3243	471	4	d. t.	PERSON
fsr-3243	471	5	2003	DATE
fsr-3243	473	1	12	CARDINAL
fsr-3243	473	2	115–129	CARDINAL
fsr-3243	474	1	cooley, p. l.	ORG
fsr-3243	474	2	hubbard	GPE
fsr-3243	474	3	d. t.	PERSON
fsr-3243	474	4	2011	DATE
fsr-3243	476	1	journal of financial planning	ORG
fsr-3243	476	2	24	CARDINAL
fsr-3243	477	1	frank sr.	PERSON
fsr-3243	477	2	l. r.	PERSON
fsr-3243	477	3	d. m.	PERSON
fsr-3243	477	4	2010	DATE
fsr-3243	479	1	23	CARDINAL
fsr-3243	479	2	52–61	DATE
fsr-3243	480	1	frank sr.	PERSON
fsr-3243	480	2	l. r.	PERSON
fsr-3243	480	3	mitchell	PERSON
fsr-3243	480	4	j. b.	PERSON
fsr-3243	480	5	d. m.	PERSON
fsr-3243	480	6	2011	DATE
fsr-3243	482	1	24	CARDINAL
fsr-3243	482	2	46–55	DATE
fsr-3243	483	1	guyton	PERSON
fsr-3243	483	2	j. t.	PERSON
fsr-3243	483	3	2004	DATE
fsr-3243	485	1	17	CARDINAL
fsr-3243	485	2	54–62	CARDINAL
fsr-3243	486	1	guyton	PERSON
fsr-3243	486	2	j. t.	PERSON
fsr-3243	486	3	w. j. (	PERSON
fsr-3243	486	4	2006	DATE
fsr-3243	488	1	19	CARDINAL
fsr-3243	488	2	49–57	DATE
fsr-3243	489	1	milevsky	ORG
fsr-3243	489	2	m., & huang	ORG
fsr-3243	489	3	2011	DATE
fsr-3243	491	1	23	CARDINAL
fsr-3243	492	1	mitchell	PERSON
fsr-3243	492	2	j. b.	PERSON
fsr-3243	492	3	2011	DATE
fsr-3243	494	1	20	CARDINAL
fsr-3243	495	1	w. d.	PERSON
fsr-3243	495	2	2012	DATE
fsr-3243	497	1	25	CARDINAL
fsr-3243	497	2	36–43	CARDINAL
fsr-3243	498	1	w. d.	PERSON
fsr-3243	498	2	2014	DATE
fsr-3243	500	1	8	CARDINAL
fsr-3243	500	2	1–7	CARDINAL
fsr-3243	500	3	pye	PERSON
fsr-3243	500	4	g. b.	PERSON
fsr-3243	500	5	2000	DATE
fsr-3243	502	1	26	CARDINAL
fsr-3243	502	2	356	CARDINAL
fsr-3243	502	3	suarez et al	PERSON
fsr-3243	502	4	24	CARDINAL
fsr-3243	502	5	2015	CARDINAL
fsr-3243	502	6	331–357 robinson	DATE
fsr-3243	502	7	c. d.	PERSON
fsr-3243	502	8	2007	DATE
fsr-3243	504	1	20	CARDINAL
fsr-3243	504	2	44–56	CARDINAL
fsr-3243	505	1	robinson	PERSON
fsr-3243	505	2	c., & tahani	ORG
fsr-3243	505	3	n.	PERSON
fsr-3243	505	4	2010	DATE
fsr-3243	507	1	19	CARDINAL
fsr-3243	507	2	187–202	CARDINAL
fsr-3243	508	1	spitzer	ORG
fsr-3243	508	2	j. j. (	PERSON
fsr-3243	508	3	2008	DATE
fsr-3243	510	1	17	CARDINAL
fsr-3243	510	2	17–29	DATE
fsr-3243	511	1	spitzer	ORG
fsr-3243	511	2	j. j.	PERSON
fsr-3243	511	3	strieter	PERSON
fsr-3243	511	4	j. c., & singh	PERSON
fsr-3243	511	5	s.	GPE
fsr-3243	511	6	2007	DATE
fsr-3243	513	1	20	CARDINAL
fsr-3243	514	1	r. g.	PERSON
fsr-3243	514	2	2008	DATE
fsr-3243	516	1	17	CARDINAL
fsr-3243	516	2	1–15	CARDINAL
fsr-3243	517	1	r. g.	PERSON
fsr-3243	517	2	j. b.	PERSON
fsr-3243	517	3	2006	DATE
fsr-3243	519	1	15	CARDINAL
fsr-3243	519	2	117–131	CARDINAL
fsr-3243	520	1	williams	PERSON
fsr-3243	520	2	d., & finke	ORG
fsr-3243	520	3	m. s.	PERSON
fsr-3243	520	4	2011	DATE
fsr-3243	522	1	the retirement management journal	ORG
fsr-3243	522	2	1	CARDINAL
fsr-3243	523	1	zolt	PERSON
fsr-3243	523	2	d. m.	PERSON
fsr-3243	523	3	2013	DATE
fsr-3243	525	1	journal of financial planning	ORG
fsr-3243	525	2	26	CARDINAL
fsr-3243	525	3	51–59	CARDINAL
fsr-3243	526	1	suarez et al	PERSON
fsr-3243	526	2	24	CARDINAL
fsr-3243	526	3	2015	CARDINAL
fsr-3243	526	4	331–357	CARDINAL