id	sid	eid	entity	type
fsr-3288	1	1	stuart j. heckman	PERSON
fsr-3288	1	2	ph.d	ORG
fsr-3288	1	3	cfpa	PERSON
fsr-3288	1	4	martin c. seay	PERSON
fsr-3288	1	5	ph.d	ORG
fsr-3288	1	6	kyoung tae kim	PERSON
fsr-3288	1	7	ph.d.c	GPE
fsr-3288	1	8	jodi c. letkiewicz	PERSON
fsr-3288	1	9	ph.d.d aassistant	PERSON
fsr-3288	1	10	kansas state university	ORG
fsr-3288	1	11	1324	CARDINAL
fsr-3288	1	12	319	CARDINAL
fsr-3288	1	13	justin hall	ORG
fsr-3288	1	14	manhattan	GPE
fsr-3288	1	15	ks 66505	ORG
fsr-3288	1	16	usa bassistant	GPE
fsr-3288	1	17	kansas state university	ORG
fsr-3288	1	18	1324	CARDINAL
fsr-3288	1	19	318	CARDINAL
fsr-3288	1	20	justin hall	ORG
fsr-3288	1	21	manhattan	GPE
fsr-3288	1	22	ks 66505	ORG
fsr-3288	1	23	usa cassistant	PERSON
fsr-3288	1	24	university of alabama	ORG
fsr-3288	1	25	312	CARDINAL
fsr-3288	1	26	adams hall	ORG
fsr-3288	1	27	tuscaloosa	GPE
fsr-3288	1	28	usa dassistant	PERSON
fsr-3288	1	29	4700	CARDINAL
fsr-3288	1	30	282 atkinson	GPE
fsr-3288	1	31	york university	ORG
fsr-3288	1	32	toronto	GPE
fsr-3288	1	33	1p3	CARDINAL
fsr-3288	1	34	canada	GPE
fsr-3288	1	35	cfp) board’s	ORG
fsr-3288	2	1	seven	CARDINAL
fsr-3288	3	1	two	CARDINAL
fsr-3288	3	2	1979	DATE
fsr-3288	6	1	2016	CARDINAL
fsr-3288	8	1	jel	ORG
fsr-3288	10	1	1-785	CARDINAL
fsr-3288	10	2	1-785	CARDINAL
fsr-3288	11	1	s. j. heckman	PERSON
fsr-3288	11	2	25	CARDINAL
fsr-3288	11	3	2016	CARDINAL
fsr-3288	11	4	427–446	CARDINAL
fsr-3288	11	5	2016	CARDINAL
fsr-3288	13	1	1	CARDINAL
fsr-3288	14	1	first	ORDINAL
fsr-3288	14	2	texas tech university	ORG
fsr-3288	14	3	2000	DATE
fsr-3288	14	4	brandon	ORG
fsr-3288	14	5	welch	PERSON
fsr-3288	14	6	2009)—a	CARDINAL
fsr-3288	14	7	16 years ago	DATE
fsr-3288	16	1	first	ORDINAL
fsr-3288	16	2	texas tech	ORG
fsr-3288	16	3	three	CARDINAL
fsr-3288	16	4	kansas state university, university of georgia	ORG
fsr-3288	16	5	university of missouri	ORG
fsr-3288	16	6	cfp	ORG
fsr-3288	19	1	first	ORDINAL
fsr-3288	23	1	2	CARDINAL
fsr-3288	23	2	two	CARDINAL
fsr-3288	24	1	stevens	PERSON
fsr-3288	24	2	1951	DATE
fsr-3288	24	3	22	CARDINAL
fsr-3288	25	1	carmines	ORG
fsr-3288	25	2	zeller	ORG
fsr-3288	25	3	1979	DATE
fsr-3288	26	1	zeller	ORG
fsr-3288	26	2	carmines	ORG
fsr-3288	26	3	1980	DATE
fsr-3288	26	4	2	CARDINAL
fsr-3288	27	1	carmines	ORG
fsr-3288	27	2	zeller	ORG
fsr-3288	27	3	1979	DATE
fsr-3288	31	1	428	CARDINAL
fsr-3288	32	1	heckman et al	PERSON
fsr-3288	32	2	25	CARDINAL
fsr-3288	32	3	2016	CARDINAL
fsr-3288	32	4	427–446	CARDINAL
fsr-3288	38	1	the cfp board	ORG
fsr-3288	38	2	2013	DATE
fsr-3288	38	3	9	CARDINAL
fsr-3288	39	1	cfp board	ORG
fsr-3288	39	2	2013	DATE
fsr-3288	39	3	9	CARDINAL
fsr-3288	40	1	cfp board	ORG
fsr-3288	40	2	2013	DATE
fsr-3288	40	3	9	CARDINAL
fsr-3288	41	1	2.1	CARDINAL
fsr-3288	42	1	carmines	ORG
fsr-3288	42	2	zeller	ORG
fsr-3288	42	3	1979	DATE
fsr-3288	42	4	two	CARDINAL
fsr-3288	46	1	carmines	ORG
fsr-3288	46	2	zeller	GPE
fsr-3288	46	3	1979	DATE
fsr-3288	46	4	12	CARDINAL
fsr-3288	47	1	three	CARDINAL
fsr-3288	47	2	1	CARDINAL
fsr-3288	47	3	2	CARDINAL
fsr-3288	47	4	3	CARDINAL
fsr-3288	48	1	carmines	ORG
fsr-3288	48	2	zeller	ORG
fsr-3288	48	3	1979	DATE
fsr-3288	49	1	u.s.	GPE
fsr-3288	50	1	2012	DATE
fsr-3288	52	1	carmines	ORG
fsr-3288	52	2	zeller	ORG
fsr-3288	52	3	1979	DATE
fsr-3288	52	4	2012	DATE
fsr-3288	54	1	carmines	ORG
fsr-3288	54	2	zeller	ORG
fsr-3288	54	3	1979	DATE
fsr-3288	55	1	429s.j	CARDINAL
fsr-3288	56	1	heckman et al	PERSON
fsr-3288	56	2	25	CARDINAL
fsr-3288	56	3	2016	CARDINAL
fsr-3288	56	4	427–446	CARDINAL
fsr-3288	58	1	2.2	CARDINAL
fsr-3288	58	2	the united states	GPE
fsr-3288	58	3	2013	DATE
fsr-3288	58	4	2015	DATE
fsr-3288	59	1	seven	CARDINAL
fsr-3288	59	2	american	NORP
fsr-3288	59	3	1979	DATE
fsr-3288	59	4	1997	DATE
fsr-3288	61	1	1	CARDINAL
fsr-3288	62	1	1998	DATE
fsr-3288	62	2	1993	DATE
fsr-3288	62	3	1995	DATE
fsr-3288	62	4	only one	CARDINAL
fsr-3288	62	5	james	PERSON
fsr-3288	62	6	2014	DATE
fsr-3288	63	1	at least four	CARDINAL
fsr-3288	63	2	5	CARDINAL
fsr-3288	63	3	13	DATE
fsr-3288	63	4	21	DATE
fsr-3288	63	5	332	CARDINAL
fsr-3288	64	1	5	CARDINAL
fsr-3288	65	1	13	CARDINAL
fsr-3288	66	1	33	CARDINAL
fsr-3288	67	1	only one	CARDINAL
fsr-3288	67	2	alp3	GPE
fsr-3288	67	3	2012	DATE
fsr-3288	68	1	2004	DATE
fsr-3288	68	2	5	CARDINAL
fsr-3288	68	3	21.4	CARDINAL
fsr-3288	68	4	2004	DATE
fsr-3288	68	5	5	CARDINAL
fsr-3288	70	1	2000	DATE
fsr-3288	70	2	years	DATE
fsr-3288	71	1	2004	DATE
fsr-3288	73	1	2014	DATE
fsr-3288	73	2	430	CARDINAL
fsr-3288	74	1	heckman et al	PERSON
fsr-3288	74	2	25	CARDINAL
fsr-3288	74	3	2016	CARDINAL
fsr-3288	74	4	427–446	CARDINAL
fsr-3288	74	5	1	CARDINAL
fsr-3288	75	1	1993	DATE
fsr-3288	75	2	1998	DATE
fsr-3288	76	1	1995	DATE
fsr-3288	76	2	5	CARDINAL
fsr-3288	76	3	21	CARDINAL
fsr-3288	79	1	13	CARDINAL
fsr-3288	79	2	up to 5	CARDINAL
fsr-3288	81	1	13	CARDINAL
fsr-3288	85	1	first	ORDINAL
fsr-3288	89	1	hourly	TIME
fsr-3288	89	2	monthly	DATE
fsr-3288	89	3	annual	DATE
fsr-3288	91	1	fs7	CARDINAL
fsr-3288	91	2	33	CARDINAL
fsr-3288	97	1	2000	DATE
fsr-3288	98	1	431s.j	ORG
fsr-3288	99	1	heckman et al	PERSON
fsr-3288	99	2	25	CARDINAL
fsr-3288	99	3	2016	CARDINAL
fsr-3288	99	4	427–446	CARDINAL
fsr-3288	99	5	1	CARDINAL
fsr-3288	100	1	2000	DATE
fsr-3288	103	1	2004	DATE
fsr-3288	105	1	one	CARDINAL
fsr-3288	105	2	2014	DATE
fsr-3288	107	1	one	CARDINAL
fsr-3288	107	2	ov531	PERSON
fsr-3288	107	3	2014	DATE
fsr-3288	108	1	one	CARDINAL
fsr-3288	108	2	2014	DATE
fsr-3288	108	3	the last 5 years	DATE
fsr-3288	109	1	k_1	PERSON
fsr-3288	109	2	2009	DATE
fsr-3288	109	3	2012	DATE
fsr-3288	112	1	2006	DATE
fsr-3288	112	2	2006–2012	CARDINAL
fsr-3288	113	1	2008	DATE
fsr-3288	114	1	2010	DATE
fsr-3288	114	2	2012	DATE
fsr-3288	114	3	the past 12 months	DATE
fsr-3288	115	1	one	CARDINAL
fsr-3288	115	2	2006	DATE
fsr-3288	116	1	2007	DATE
fsr-3288	117	1	2008	DATE
fsr-3288	117	2	t44054.00	ORG
fsr-3288	118	1	2009	DATE
fsr-3288	118	2	2006–2013	DATE
fsr-3288	118	3	past 12 months	DATE
fsr-3288	119	1	2010	DATE
fsr-3288	120	1	2011	DATE
fsr-3288	120	2	2013	DATE
fsr-3288	123	1	x68479	ORG
fsr-3288	123	2	x6861-x6864	PERSON
fsr-3288	123	3	1998	DATE
fsr-3288	124	1	up to 15	CARDINAL
fsr-3288	125	1	432	CARDINAL
fsr-3288	125	2	heckman et al	PERSON
fsr-3288	125	3	25	CARDINAL
fsr-3288	125	4	2016	CARDINAL
fsr-3288	125	5	427–446	CARDINAL
fsr-3288	126	1	one	CARDINAL
fsr-3288	127	1	1	CARDINAL
fsr-3288	127	2	2014	DATE
fsr-3288	128	1	only one	CARDINAL
fsr-3288	128	2	2012	DATE
fsr-3288	128	3	the (2004	DATE
fsr-3288	129	1	the last five years	DATE
fsr-3288	130	1	balasubramnian	NORP
fsr-3288	130	2	2014	DATE
fsr-3288	130	3	collins	GPE
fsr-3288	130	4	2012	DATE
fsr-3288	130	5	lachance	PERSON
fsr-3288	130	6	tang	PERSON
fsr-3288	130	7	2012	DATE
fsr-3288	130	8	robb	PERSON
fsr-3288	130	9	woodyard	PERSON
fsr-3288	130	10	2012	DATE
fsr-3288	130	11	ramos-mercado	PERSON
fsr-3288	130	12	2015	DATE
fsr-3288	130	13	simms	ORG
fsr-3288	130	14	2014	DATE
fsr-3288	130	15	lu	ORG
fsr-3288	130	16	2014	DATE
fsr-3288	131	1	balasubramnian et al	PERSON
fsr-3288	132	1	2014	DATE
fsr-3288	133	1	collins	PERSON
fsr-3288	133	2	2012	DATE
fsr-3288	133	3	robb et al	PERSON
fsr-3288	133	4	2012	DATE
fsr-3288	133	5	five	CARDINAL
fsr-3288	134	1	lachance	PERSON
fsr-3288	134	2	2012	DATE
fsr-3288	134	3	five	CARDINAL
fsr-3288	136	1	2015	CARDINAL
fsr-3288	137	1	2014	DATE
fsr-3288	138	1	simms	PERSON
fsr-3288	138	2	2014	DATE
fsr-3288	139	1	1	CARDINAL
fsr-3288	143	1	x6865-x6869	ORG
fsr-3288	144	1	american life panel & hrs	ORG
fsr-3288	144	2	american	NORP
fsr-3288	144	3	13	CARDINAL
fsr-3288	144	4	nlsy79 � national longitudinal survey	ORG
fsr-3288	144	5	1979	DATE
fsr-3288	144	6	1997	DATE
fsr-3288	149	1	433s.j	ORG
fsr-3288	150	1	heckman et al	PERSON
fsr-3288	150	2	25	CARDINAL
fsr-3288	150	3	2016	CARDINAL
fsr-3288	150	4	427–446	CARDINAL
fsr-3288	150	5	nlsy79	ORG
fsr-3288	151	1	nlsy79	ORG
fsr-3288	152	1	2008	DATE
fsr-3288	152	2	martin	PERSON
fsr-3288	152	3	gibson	PERSON
fsr-3288	152	4	2014	DATE
fsr-3288	152	5	martin	PERSON
fsr-3288	152	6	finke	PERSON
fsr-3288	152	7	2014	DATE
fsr-3288	153	1	martin	PERSON
fsr-3288	153	2	finke	PERSON
fsr-3288	153	3	2014	DATE
fsr-3288	153	4	two	CARDINAL
fsr-3288	154	1	first	ORDINAL
fsr-3288	154	2	second	ORDINAL
fsr-3288	155	1	1	CARDINAL
fsr-3288	155	2	2006 to 2012	DATE
fsr-3288	156	1	nsly97	PERSON
fsr-3288	156	2	the past twelve months	DATE
fsr-3288	156	3	one	CARDINAL
fsr-3288	158	1	scf	PERSON
fsr-3288	158	2	two	CARDINAL
fsr-3288	158	3	1	CARDINAL
fsr-3288	158	4	2	CARDINAL
fsr-3288	161	1	up to 15	CARDINAL
fsr-3288	162	1	montalto	PERSON
fsr-3288	162	2	fox	ORG
fsr-3288	162	3	2002	DATE
fsr-3288	162	4	hanna, 2011	ORG
fsr-3288	162	5	kim	PERSON
fsr-3288	162	6	hanna	PERSON
fsr-3288	162	7	2015	DATE
fsr-3288	162	8	scott	ORG
fsr-3288	162	9	gilliam	PERSON
fsr-3288	162	10	2014	DATE
fsr-3288	162	11	scott	ORG
fsr-3288	162	12	2013	DATE
fsr-3288	162	13	2015	DATE
fsr-3288	163	1	hanna	PERSON
fsr-3288	163	2	2011	DATE
fsr-3288	164	1	kim	PERSON
fsr-3288	164	2	hanna	PERSON
fsr-3288	164	3	2015	CARDINAL
fsr-3288	165	1	2015	CARDINAL
fsr-3288	165	2	first	ORDINAL
fsr-3288	165	3	2013	DATE
fsr-3288	165	4	scott	ORG
fsr-3288	165	5	gilliam	PERSON
fsr-3288	165	6	2014	DATE
fsr-3288	166	1	2002	DATE
fsr-3288	167	1	heckman	PERSON
fsr-3288	167	2	hanna	PERSON
fsr-3288	167	3	2015	DATE
fsr-3288	167	4	434	CARDINAL
fsr-3288	168	1	heckman et al	PERSON
fsr-3288	168	2	25	CARDINAL
fsr-3288	168	3	2016	CARDINAL
fsr-3288	168	4	427–446	CARDINAL
fsr-3288	168	5	2014	DATE
fsr-3288	169	1	heckman	PERSON
fsr-3288	169	2	hanna	PERSON
fsr-3288	169	3	2015	DATE
fsr-3288	169	4	hudson	PERSON
fsr-3288	169	5	2014	DATE
fsr-3288	170	1	2.3	CARDINAL
fsr-3288	172	1	winchester	PERSON
fsr-3288	172	2	huston	PERSON
fsr-3288	172	3	2014	DATE
fsr-3288	172	4	two	CARDINAL
fsr-3288	173	1	first	ORDINAL
fsr-3288	173	2	second	ORDINAL
fsr-3288	175	1	the cfp board	ORG
fsr-3288	175	2	american	NORP
fsr-3288	175	3	cfa	ORG
fsr-3288	175	4	u.s.	GPE
fsr-3288	176	1	one	CARDINAL
fsr-3288	177	1	2013	DATE
fsr-3288	177	2	88	CARDINAL
fsr-3288	178	1	the cfp board	ORG
fsr-3288	178	2	cfa	ORG
fsr-3288	178	3	princeton	ORG
fsr-3288	178	4	2013	DATE
fsr-3288	179	1	two	CARDINAL
fsr-3288	180	1	princeton survey research associates international	ORG
fsr-3288	180	2	2013	DATE
fsr-3288	180	3	53	CARDINAL
fsr-3288	184	1	princeton survey research associates international	ORG
fsr-3288	184	2	2013	DATE
fsr-3288	184	3	53	CARDINAL
fsr-3288	186	1	kuzniak	PERSON
fsr-3288	186	2	rabbani	PERSON
fsr-3288	186	3	grable,	ORG
fsr-3288	186	4	2015	DATE
fsr-3288	186	5	the last 12 months	DATE
fsr-3288	186	6	zick, mayer	ORG
fsr-3288	186	7	kara	PERSON
fsr-3288	186	8	2012	DATE
fsr-3288	186	9	coach7	GPE
fsr-3288	186	10	moulton	GPE
fsr-3288	186	11	samak	ORG
fsr-3288	186	12	collins	PERSON
fsr-3288	186	13	2013	DATE
fsr-3288	187	1	heckman et al	PERSON
fsr-3288	187	2	25	CARDINAL
fsr-3288	187	3	2016	CARDINAL
fsr-3288	187	4	2013	DATE
fsr-3288	187	5	gibson	PERSON
fsr-3288	187	6	van de venter	ORG
fsr-3288	187	7	2013	DATE
fsr-3288	188	1	gibson et al	PERSON
fsr-3288	189	1	2013	DATE
fsr-3288	189	2	two years ago	DATE
fsr-3288	189	3	two years ago	DATE
fsr-3288	190	1	2012	DATE
fsr-3288	192	1	1	CARDINAL
fsr-3288	192	2	2	CARDINAL
fsr-3288	192	3	one	CARDINAL
fsr-3288	192	4	two	CARDINAL
fsr-3288	192	5	3	CARDINAL
fsr-3288	192	6	4	CARDINAL
fsr-3288	192	7	2012	DATE
fsr-3288	192	8	199	CARDINAL
fsr-3288	193	1	1	CARDINAL
fsr-3288	193	2	2	CARDINAL
fsr-3288	193	3	3	CARDINAL
fsr-3288	193	4	4	CARDINAL
fsr-3288	193	5	5	CARDINAL
fsr-3288	193	6	6	CARDINAL
fsr-3288	193	7	2012	DATE
fsr-3288	193	8	200	CARDINAL
fsr-3288	194	1	2.4	CARDINAL
fsr-3288	194	2	u.s.	GPE
fsr-3288	195	1	u.s.	GPE
fsr-3288	198	1	3	CARDINAL
fsr-3288	198	2	3.1	CARDINAL
fsr-3288	199	1	seven	CARDINAL
fsr-3288	199	2	datasets8	PERSON
fsr-3288	199	3	two	CARDINAL
fsr-3288	200	1	first	ORDINAL
fsr-3288	200	2	the cfp board’s	ORG
fsr-3288	201	1	the cfp board’s	ORG
fsr-3288	201	2	nine	CARDINAL
fsr-3288	203	1	second	ORDINAL
fsr-3288	204	1	two	CARDINAL
fsr-3288	205	1	nlsy97	ORG
fsr-3288	205	2	436	CARDINAL
fsr-3288	206	1	heckman et al	PERSON
fsr-3288	206	2	25	CARDINAL
fsr-3288	206	3	2016	CARDINAL
fsr-3288	206	4	427–446	CARDINAL
fsr-3288	207	1	only five	CARDINAL
fsr-3288	207	2	5	CARDINAL
fsr-3288	207	3	21	CARDINAL
fsr-3288	207	4	years	DATE
fsr-3288	207	5	nlsy97	ORG
fsr-3288	208	1	nlsy79	ORG
fsr-3288	209	1	cummings	ORG
fsr-3288	209	2	james	PERSON
fsr-3288	209	3	2014	DATE
fsr-3288	209	4	2007–2009	CARDINAL
fsr-3288	209	5	2010–2012	PRODUCT
fsr-3288	210	1	4	CARDINAL
fsr-3288	210	2	4.1	CARDINAL
fsr-3288	211	1	the cfp board’s	ORG
fsr-3288	211	2	three	CARDINAL
fsr-3288	211	3	1	CARDINAL
fsr-3288	211	4	2	CARDINAL
fsr-3288	211	5	3	CARDINAL
fsr-3288	212	1	one	CARDINAL
fsr-3288	213	1	2	CARDINAL
fsr-3288	213	2	13	CARDINAL
fsr-3288	213	3	nlsy97	ORG
fsr-3288	216	1	nlsy97	ORG
fsr-3288	217	1	scf	PERSON
fsr-3288	217	2	two	CARDINAL
fsr-3288	217	3	alp	ORG
fsr-3288	217	4	13	CARDINAL
fsr-3288	217	5	five	CARDINAL
fsr-3288	223	1	the cfp board	ORG
fsr-3288	223	2	2013	DATE
fsr-3288	224	1	437s.j	CARDINAL
fsr-3288	225	1	heckman et al	PERSON
fsr-3288	225	2	25	CARDINAL
fsr-3288	225	3	2016	CARDINAL
fsr-3288	225	4	427–446	CARDINAL
fsr-3288	225	5	2	CARDINAL
fsr-3288	226	1	ea su	PERSON
fsr-3288	226	2	ci al pl	PERSON
fsr-3288	226	3	ic s am	PERSON
fsr-3288	227	1	ea	CARDINAL
fsr-3288	228	1	13	CARDINAL
fsr-3288	229	1	su rv ey	PERSON
fsr-3288	229	2	gi tu di na l	PERSON
fsr-3288	230	1	19 79	CARDINAL
fsr-3288	230	2	gi tu di na l su	PERSON
fsr-3288	231	1	19 97	CARDINAL
fsr-3288	232	1	nc	GPE
fsr-3288	233	1	al n	ORG
fsr-3288	234	1	ci al pl an ne r	PERSON
fsr-3288	235	1	es s n o n o n o n o n o n o n o l	ORG
fsr-3288	237	1	de ci si	PERSON
fsr-3288	238	1	vi ng s n ot di	PERSON
fsr-3288	238	2	io	LOC
fsr-3288	238	3	m ak e de ci si	FAC
fsr-3288	239	1	ec	ORG
fsr-3288	239	2	nc	GPE
fsr-3288	239	3	vi si ng	PERSON
fsr-3288	239	4	nc	GPE
fsr-3288	240	1	rt h	ORG
fsr-3288	241	1	eb t co	ORG
fsr-3288	241	2	un	ORG
fsr-3288	241	3	lin g sa vi ng s/	PERSON
fsr-3288	241	4	nc e	GPE
fsr-3288	241	5	vi ng	PERSON
fsr-3288	241	6	nv	GPE
fsr-3288	241	7	ng ag e	ORG
fsr-3288	241	8	nc	GPE
fsr-3288	244	1	ac ol le ct io n n o n o n o n o n o n o n	ORG
fsr-3288	245	1	ec	ORG
fsr-3288	245	2	ec	ORG
fsr-3288	245	3	e pa ne l & h	ORG
fsr-3288	246	1	n a va ri	GPE
fsr-3288	247	1	w	GPE
fsr-3288	247	2	ea su	PERSON
fsr-3288	248	1	ev io	PERSON
fsr-3288	248	2	w	GPE
fsr-3288	251	1	5	CARDINAL
fsr-3288	251	2	20 04	DATE
fsr-3288	252	1	e su rv ey ye ar s.	PERSON
fsr-3288	252	2	lth	ORG
fsr-3288	252	3	13	CARDINAL
fsr-3288	253	1	ev io	PERSON
fsr-3288	253	2	w e al	PERSON
fsr-3288	255	1	ea su	PERSON
fsr-3288	255	2	s. 438	ORG
fsr-3288	256	1	heckman et al	PERSON
fsr-3288	256	2	25	CARDINAL
fsr-3288	256	3	2016	CARDINAL
fsr-3288	256	4	427–446 4.2	CARDINAL
fsr-3288	258	1	four	CARDINAL
fsr-3288	258	2	1	CARDINAL
fsr-3288	258	3	2	CARDINAL
fsr-3288	258	4	3	CARDINAL
fsr-3288	258	5	4	CARDINAL
fsr-3288	259	1	four	CARDINAL
fsr-3288	259	2	2009	DATE
fsr-3288	259	3	2009	DATE
fsr-3288	260	1	2007–2009	CARDINAL
fsr-3288	260	2	2010–2012	PRODUCT
fsr-3288	260	3	3	CARDINAL
fsr-3288	261	1	1	CARDINAL
fsr-3288	261	2	u.s.	GPE
fsr-3288	262	1	2007–2009	CARDINAL
fsr-3288	262	2	3,857	CARDINAL
fsr-3288	262	3	2010–2012	PRODUCT
fsr-3288	262	4	nsly79	ORG
fsr-3288	262	5	5,584	CARDINAL
fsr-3288	263	1	2007–2009	CARDINAL
fsr-3288	263	2	9.2%	PERCENT
fsr-3288	263	3	2007	DATE
fsr-3288	263	4	22.3%	PERCENT
fsr-3288	263	5	12.5%	PERCENT
fsr-3288	263	6	25.5%	PERCENT
fsr-3288	264	1	2009	DATE
fsr-3288	264	2	between 1.1	CARDINAL
fsr-3288	264	3	2.3	CARDINAL
fsr-3288	266	1	almost two-thirds	CARDINAL
fsr-3288	266	2	63.6%	PERCENT
fsr-3288	266	3	321	CARDINAL
fsr-3288	266	4	2007	DATE
fsr-3288	266	5	2009	DATE
fsr-3288	267	1	6.4%	PERCENT
fsr-3288	267	2	2009	DATE
fsr-3288	268	1	46.7%	PERCENT
fsr-3288	268	2	64.6%	PERCENT
fsr-3288	268	3	45.3%	PERCENT
fsr-3288	269	1	2010–2012	PRODUCT
fsr-3288	270	1	2012	DATE
fsr-3288	270	2	2012	DATE
fsr-3288	271	1	between 2010 and 2012	DATE
fsr-3288	271	2	24.7%	PERCENT
fsr-3288	271	3	23.1%	PERCENT
fsr-3288	272	1	43.1%	PERCENT
fsr-3288	272	2	2010	DATE
fsr-3288	272	3	2012	DATE
fsr-3288	273	1	cummings	ORG
fsr-3288	273	2	james	PERSON
fsr-3288	273	3	2014)—they	ORDINAL
fsr-3288	273	4	52.7%	PERCENT
fsr-3288	273	5	1993	DATE
fsr-3288	273	6	1995	DATE
fsr-3288	275	1	2013	DATE
fsr-3288	275	2	7 million	CARDINAL
fsr-3288	275	3	between 2009 and 2013	DATE
fsr-3288	276	1	roughly 94% percent	PERCENT
fsr-3288	276	2	each year	DATE
fsr-3288	276	3	between 2009 and 2013	DATE
fsr-3288	277	1	10th	ORDINAL
fsr-3288	277	2	annually	DATE
fsr-3288	277	3	between 81% and 87%	PERCENT
fsr-3288	278	1	439s.j	CARDINAL
fsr-3288	279	1	heckman et al	PERSON
fsr-3288	279	2	25	CARDINAL
fsr-3288	279	3	2016	CARDINAL
fsr-3288	279	4	427–446	CARDINAL
fsr-3288	279	5	nc	GPE
fsr-3288	279	6	20 07	DATE
fsr-3288	279	7	2	CARDINAL
fsr-3288	279	8	sc f pa ne l	ORG
fsr-3288	280	1	2	CARDINAL
fsr-3288	280	2	sc f pa ne l 20 10 –2 01	ORG
fsr-3288	280	3	79	CARDINAL
fsr-3288	282	1	ve st m en t pl an ne	ORG
fsr-3288	282	2	ny	GPE
fsr-3288	284	1	20 07 50 5 9	DATE
fsr-3288	284	2	2 1	DATE
fsr-3288	284	3	14	CARDINAL
fsr-3288	284	4	22	CARDINAL
fsr-3288	284	5	12 .5 1	DATE
fsr-3288	284	6	26	CARDINAL
fsr-3288	284	7	20 10 1	DATE
fsr-3288	284	8	42 1 24 .7	QUANTITY
fsr-3288	284	9	20 09 43	DATE
fsr-3288	284	10	8	CARDINAL
fsr-3288	284	11	16	CARDINAL
fsr-3288	284	12	23 .2	MONEY
fsr-3288	284	13	20 12 1	DATE
fsr-3288	284	14	27	CARDINAL
fsr-3288	284	15	20 07	DATE
fsr-3288	284	16	20 10	DATE
fsr-3288	286	1	20 09	DATE
fsr-3288	286	2	3	CARDINAL
fsr-3288	286	3	8	CARDINAL
fsr-3288	288	1	20 12 61 3 9	DATE
fsr-3288	288	2	4	CARDINAL
fsr-3288	289	1	20 09	DATE
fsr-3288	289	2	2 45 1 10 .3 30	TIME
fsr-3288	290	1	9	CARDINAL
fsr-3288	290	2	20 12	DATE
fsr-3288	290	3	20 07	CARDINAL
fsr-3288	290	4	20 09 3	DATE
fsr-3288	290	5	26	CARDINAL
fsr-3288	290	6	91	CARDINAL
fsr-3288	290	7	12 4 63 .4	PERCENT
fsr-3288	290	8	20 10	CARDINAL
fsr-3288	290	9	20 12 4	DATE
fsr-3288	291	1	10	CARDINAL
fsr-3288	291	2	10	CARDINAL
fsr-3288	291	3	10	CARDINAL
fsr-3288	291	4	10	CARDINAL
fsr-3288	291	5	10	CARDINAL
fsr-3288	291	6	ac tu al	PERSON
fsr-3288	291	7	un	ORG
fsr-3288	291	8	gh te	PERSON
fsr-3288	292	1	io	LOC
fsr-3288	292	2	gh te	PERSON
fsr-3288	292	3	tiv e. 440	PERSON
fsr-3288	293	1	heckman et al	PERSON
fsr-3288	293	2	25	CARDINAL
fsr-3288	293	3	2016	CARDINAL
fsr-3288	293	4	427–446	CARDINAL
fsr-3288	293	5	nlsy79	ORG
fsr-3288	294	1	2013	DATE
fsr-3288	296	1	one	CARDINAL
fsr-3288	299	1	5	CARDINAL
fsr-3288	300	1	three-year	DATE
fsr-3288	300	2	the journal of financial planning	ORG
fsr-3288	300	3	seven	CARDINAL
fsr-3288	301	1	nlsy79	PERSON
fsr-3288	302	1	the cfp board’s	ORG
fsr-3288	303	1	1	CARDINAL
fsr-3288	305	1	heckman et al	PERSON
fsr-3288	305	2	25	CARDINAL
fsr-3288	305	3	2016	CARDINAL
fsr-3288	305	4	427–446	CARDINAL
fsr-3288	312	1	the cfp board’s	ORG
fsr-3288	314	1	the cfp board defines financial planning	ORG
fsr-3288	314	2	9	CARDINAL
fsr-3288	315	1	cfp board	ORG
fsr-3288	315	2	2013	DATE
fsr-3288	316	1	2012	DATE
fsr-3288	317	1	4	CARDINAL
fsr-3288	322	1	the cfp board	ORG
fsr-3288	326	1	american	NORP
fsr-3288	327	1	442	CARDINAL
fsr-3288	328	1	heckman et al	PERSON
fsr-3288	328	2	25	CARDINAL
fsr-3288	328	3	2016	CARDINAL
fsr-3288	328	4	427–446	CARDINAL
fsr-3288	328	5	one	CARDINAL
fsr-3288	331	1	4	CARDINAL
fsr-3288	332	1	more than one	CARDINAL
fsr-3288	335	1	1	CARDINAL
fsr-3288	337	1	10	CARDINAL
fsr-3288	338	1	1	CARDINAL
fsr-3288	340	1	10	CARDINAL
fsr-3288	345	1	hourly	TIME
fsr-3288	345	2	monthly	DATE
fsr-3288	345	3	annual	DATE
fsr-3288	347	1	heckman et al	PERSON
fsr-3288	347	2	25	CARDINAL
fsr-3288	347	3	2016	CARDINAL
fsr-3288	348	1	427–446	CARDINAL
fsr-3288	353	1	1	CARDINAL
fsr-3288	354	1	2	CARDINAL
fsr-3288	354	2	400	CARDINAL
fsr-3288	355	1	3	CARDINAL
fsr-3288	355	2	parker	ORG
fsr-3288	355	3	bruine de bruin	PERSON
fsr-3288	355	4	yoong	PERSON
fsr-3288	355	5	willis	PERSON
fsr-3288	355	6	2012	DATE
fsr-3288	356	1	three	CARDINAL
fsr-3288	356	2	1	CARDINAL
fsr-3288	356	3	2	CARDINAL
fsr-3288	356	4	3	CARDINAL
fsr-3288	357	1	4	CARDINAL
fsr-3288	358	1	5	CARDINAL
fsr-3288	358	2	five	CARDINAL
fsr-3288	359	1	6	CARDINAL
fsr-3288	360	1	6 fifty-four percent	CARDINAL
fsr-3288	360	2	the last 12 months	DATE
fsr-3288	361	1	7	CARDINAL
fsr-3288	361	2	first	ORDINAL
fsr-3288	362	1	8	CARDINAL
fsr-3288	363	1	13	CARDINAL
fsr-3288	364	1	balasubramnian	NORP
fsr-3288	364	2	b.	PERSON
fsr-3288	364	3	e. r., & gradisher	PERSON
fsr-3288	364	4	s.	PERSON
fsr-3288	364	5	2014	DATE
fsr-3288	366	1	23	CARDINAL
fsr-3288	366	2	305–324	DATE
fsr-3288	366	3	444	CARDINAL
fsr-3288	367	1	heckman et al	PERSON
fsr-3288	367	2	25	CARDINAL
fsr-3288	367	3	2016	CARDINAL
fsr-3288	367	4	427–446	CARDINAL
fsr-3288	367	5	brandon jr.	PERSON
fsr-3288	367	6	e. d.	PERSON
fsr-3288	367	7	h. o.	PERSON
fsr-3288	367	8	2009	DATE
fsr-3288	369	1	hoboken	GPE
fsr-3288	369	2	nj	ORG
fsr-3288	369	3	john wiley & sons	ORG
fsr-3288	370	1	carmines	ORG
fsr-3288	370	2	e. g.	PERSON
fsr-3288	370	3	r. a.	PERSON
fsr-3288	370	4	1979	DATE
fsr-3288	372	1	thousand	CARDINAL
fsr-3288	372	2	cfp board	ORG
fsr-3288	373	1	2013	DATE
fsr-3288	375	1	collins	PERSON
fsr-3288	375	2	j. m.	PERSON
fsr-3288	375	3	2012	DATE
fsr-3288	377	1	21	CARDINAL
fsr-3288	377	2	307–322	CARDINAL
fsr-3288	377	3	b. f., & james iii	PERSON
fsr-3288	377	4	r. n.	PERSON
fsr-3288	377	5	2014	DATE
fsr-3288	379	1	25	CARDINAL
fsr-3288	379	2	129–147	CARDINAL
fsr-3288	380	1	r. f.	PERSON
fsr-3288	380	2	2012	DATE
fsr-3288	381	1	3rd	ORDINAL
fsr-3288	382	1	thousand	CARDINAL
fsr-3288	383	1	eccles	GPE
fsr-3288	383	2	d. w.	PERSON
fsr-3288	383	3	e., & arsal	ORG
fsr-3288	383	4	2013	DATE
fsr-3288	385	1	47	DATE
fsr-3288	385	2	432–464	CARDINAL
fsr-3288	386	1	doi:10.1111	ORG
fsr-3288	386	2	elmerick	PERSON
fsr-3288	386	3	s. a.	PERSON
fsr-3288	386	4	montalto	GPE
fsr-3288	386	5	c. p.,	PERSON
fsr-3288	386	6	j. j.	PERSON
fsr-3288	386	7	2002	DATE
fsr-3288	387	1	u.s.	GPE
fsr-3288	388	1	11	CARDINAL
fsr-3288	388	2	217–231	CARDINAL
fsr-3288	389	1	gibson	PERSON
fsr-3288	389	2	r.	NORP
fsr-3288	389	3	michayluk	GPE
fsr-3288	389	4	d., & van de venter	ORG
fsr-3288	389	5	g.	PERSON
fsr-3288	389	6	2013	DATE
fsr-3288	391	1	22	CARDINAL
fsr-3288	392	1	hanna	ORG
fsr-3288	392	2	s. d.	PERSON
fsr-3288	392	3	2011	DATE
fsr-3288	394	1	journal of personal finance	ORG
fsr-3288	394	2	10	CARDINAL
fsr-3288	394	3	36–62	DATE
fsr-3288	395	1	heckman	PERSON
fsr-3288	395	2	s. j., & hanna	PERSON
fsr-3288	395	3	s. d.	PERSON
fsr-3288	395	4	2015	CARDINAL
fsr-3288	397	1	financial counseling & planning	ORG
fsr-3288	397	2	26	CARDINAL
fsr-3288	397	3	187–199	CARDINAL
fsr-3288	398	1	hudson	ORG
fsr-3288	398	2	c. r., & palmer	PERSON
fsr-3288	398	3	2014	DATE
fsr-3288	400	1	23	CARDINAL
fsr-3288	401	1	kim	PERSON
fsr-3288	401	2	k., & hanna	ORG
fsr-3288	401	3	s. d.	PERSON
fsr-3288	401	4	2015	CARDINAL
fsr-3288	402	1	u.s.	GPE
fsr-3288	403	1	24	CARDINAL
fsr-3288	403	2	139–155	CARDINAL
fsr-3288	404	1	m. a. z.	PERSON
fsr-3288	404	2	c. r.	PERSON
fsr-3288	404	3	2012	DATE
fsr-3288	406	1	46	DATE
fsr-3288	406	2	381–410	CARDINAL
fsr-3288	407	1	doi:10.1111	ORG
fsr-3288	408	1	kuzniak	PERSON
fsr-3288	408	2	s.	PERSON
fsr-3288	408	3	rabbani, a.	PERSON
fsr-3288	408	4	w.	PERSON
fsr-3288	408	5	ruiz-menjivar	PERSON
fsr-3288	408	6	j., & grable	ORG
fsr-3288	408	7	j. e.	PERSON
fsr-3288	408	8	2015	DATE
fsr-3288	409	1	grable	PERSON
fsr-3288	409	2	lytton risktolerance	PERSON
fsr-3288	409	3	15-year	DATE
fsr-3288	410	1	24	CARDINAL
fsr-3288	410	2	177–192	DATE
fsr-3288	411	1	lachance	PERSON
fsr-3288	411	2	2012	DATE
fsr-3288	413	1	21	CARDINAL
fsr-3288	413	2	209–226	CARDINAL
fsr-3288	414	1	martin jr.	PERSON
fsr-3288	414	2	t. k.	PERSON
fsr-3288	414	3	finke	PERSON
fsr-3288	414	4	m., & gibson	ORG
fsr-3288	414	5	2014	DATE
fsr-3288	416	1	13	CARDINAL
fsr-3288	416	2	62–71	CARDINAL
fsr-3288	417	1	martin jr.	PERSON
fsr-3288	417	2	t. k.	PERSON
fsr-3288	417	3	m. s.	PERSON
fsr-3288	417	4	2014	DATE
fsr-3288	419	1	journal of financial planning	ORG
fsr-3288	419	2	27	CARDINAL
fsr-3288	419	3	46–53	CARDINAL
fsr-3288	420	1	moulton	GPE
fsr-3288	420	2	s.	GPE
fsr-3288	420	3	loibl	GPE
fsr-3288	420	4	a., & collins	ORG
fsr-3288	420	5	j. m.	PERSON
fsr-3288	420	6	2013	DATE
fsr-3288	421	1	first	ORDINAL
fsr-3288	422	1	47	CARDINAL
fsr-3288	422	2	375–403	CARDINAL
fsr-3288	423	1	doi:10.1111/ joca.12021. park	PERSON
fsr-3288	423	2	e., & yao	ORG
fsr-3288	423	3	r.	PERSON
fsr-3288	423	4	2015	CARDINAL
fsr-3288	429	1	parker	ORG
fsr-3288	429	2	a. m.	PERSON
fsr-3288	429	3	bruine de bruin	PERSON
fsr-3288	429	4	yoong	PERSON
fsr-3288	429	5	j., & willis	ORG
fsr-3288	429	6	r.	PERSON
fsr-3288	429	7	2012	DATE
fsr-3288	430	1	four	CARDINAL
fsr-3288	431	1	25	CARDINAL
fsr-3288	431	2	382–389	CARDINAL
fsr-3288	434	1	2013	DATE
fsr-3288	437	1	princeton survey research associates international.	ORG
fsr-3288	438	1	2013	DATE
fsr-3288	439	1	american	NORP
fsr-3288	439	2	2013	DATE
fsr-3288	439	3	http://www.cfp.net/docs/	PERSON
fsr-3288	441	1	heckman et al	PERSON
fsr-3288	441	2	25	CARDINAL
fsr-3288	441	3	2016	CARDINAL
fsr-3288	441	4	427–446	CARDINAL
fsr-3288	441	5	c. a.	PERSON
fsr-3288	441	6	2012	DATE
fsr-3288	443	1	21	DATE
fsr-3288	443	2	291–305	CARDINAL
fsr-3288	444	1	s. a.	PERSON
fsr-3288	444	2	a.	PERSON
fsr-3288	444	3	t., & ramos-mercado	ORG
fsr-3288	444	4	j. d.	PERSON
fsr-3288	444	5	2015	CARDINAL
fsr-3288	446	1	14	CARDINAL
fsr-3288	446	2	scott	ORG
fsr-3288	446	3	j. k.	PERSON
fsr-3288	446	4	m. s.	PERSON
fsr-3288	446	5	2013	DATE
fsr-3288	448	1	22	CARDINAL
fsr-3288	448	2	1–12	DATE
fsr-3288	449	1	scott	ORG
fsr-3288	449	2	j. k.	PERSON
fsr-3288	449	3	j.	PERSON
fsr-3288	449	4	2014	DATE
fsr-3288	450	1	2008	DATE
fsr-3288	451	1	23	CARDINAL
fsr-3288	451	2	287–304	CARDINAL
fsr-3288	452	1	simms	ORG
fsr-3288	452	2	k.	PERSON
fsr-3288	452	3	2014	DATE
fsr-3288	454	1	23	CARDINAL
fsr-3288	454	2	273–286	CARDINAL
fsr-3288	456	1	2013	DATE
fsr-3288	457	1	2013	DATE
fsr-3288	458	1	stevens	PERSON
fsr-3288	458	2	s. s.	PERSON
fsr-3288	458	3	1951	DATE
fsr-3288	460	1	s. s. stevens	PERSON
fsr-3288	460	2	ed	PERSON
fsr-3288	461	1	new york	GPE
fsr-3288	461	2	ny	GPE
fsr-3288	461	3	wiley	PERSON
fsr-3288	461	4	tang	PERSON
fsr-3288	461	5	t.	GPE
fsr-3288	461	6	2014	DATE
fsr-3288	463	1	27	CARDINAL
fsr-3288	463	2	warschauer	ORG
fsr-3288	463	3	t., & sciglimpaglia	ORG
fsr-3288	463	4	d.	GPE
fsr-3288	463	5	2012	DATE
fsr-3288	465	1	21	DATE
fsr-3288	465	2	195–208	DATE
fsr-3288	466	1	winchester	ORG
fsr-3288	466	2	d. d.	NORP
fsr-3288	466	3	& huston	ORG
fsr-3288	466	4	s. j.	PERSON
fsr-3288	466	5	2014	DATE
fsr-3288	468	1	23	CARDINAL
fsr-3288	468	2	1–23	CARDINAL
fsr-3288	469	1	zeller	ORG
fsr-3288	469	2	r. a.	PERSON
fsr-3288	469	3	e. g.	PERSON
fsr-3288	469	4	1980	DATE
fsr-3288	471	1	cambridge	GPE
fsr-3288	471	2	ma: cambridge university press	ORG
fsr-3288	472	1	zick	PERSON
fsr-3288	472	2	c. d.	PERSON
fsr-3288	472	3	mayer	GPE
fsr-3288	472	4	r. n.	PERSON
fsr-3288	472	5	2012	DATE
fsr-3288	474	1	23	CARDINAL
fsr-3288	474	2	3–16	CARDINAL
fsr-3288	474	3	446	CARDINAL
fsr-3288	475	1	heckman et al	PERSON
fsr-3288	475	2	25	CARDINAL
fsr-3288	475	3	2016	CARDINAL
fsr-3288	475	4	427–446	CARDINAL