id	sid	eid	entity	type
fsr-3421	1	1	australia	GPE
fsr-3421	1	2	d. w. richardsa	PERSON
fsr-3421	1	3	e. f. mortona	PERSON
fsr-3421	1	4	rmit university	ORG
fsr-3421	1	5	melbourne australia	ORG
fsr-3421	2	1	australian	NORP
fsr-3421	5	1	2019	CARDINAL
fsr-3421	5	2	academy of financial services	ORG
fsr-3421	7	1	1	CARDINAL
fsr-3421	7	2	2013	DATE
fsr-3421	9	1	advisor1	ORG
fsr-3421	10	1	3 9925 5935	DATE
fsr-3421	10	2	3 9925 5624	DATE
fsr-3421	11	1	d. w. richards	PERSON
fsr-3421	11	2	1057	CARDINAL
fsr-3421	11	3	2019	CARDINAL
fsr-3421	11	4	academy of financial services	ORG
fsr-3421	13	1	28	CARDINAL
fsr-3421	13	2	133–158	CARDINAL
fsr-3421	16	1	australia	GPE
fsr-3421	18	1	australian	NORP
fsr-3421	20	1	firstly	ORDINAL
fsr-3421	20	2	australian	NORP
fsr-3421	22	1	australian	NORP
fsr-3421	25	1	firstly	ORDINAL
fsr-3421	27	1	second	ORDINAL
fsr-3421	28	1	foerster	PERSON
fsr-3421	28	2	2017	CARDINAL
fsr-3421	28	3	haliassos	PERSON
fsr-3421	28	4	2012	DATE
fsr-3421	28	5	schaub, & schmid	ORG
fsr-3421	28	6	2018	DATE
fsr-3421	28	7	angelova &	ORG
fsr-3421	28	8	2013	DATE
fsr-3421	29	1	australian	NORP
fsr-3421	30	1	australian	NORP
fsr-3421	31	1	third	ORDINAL
fsr-3421	34	1	134	CARDINAL
fsr-3421	34	2	d. w. richards	PERSON
fsr-3421	34	3	e. f. morton	PERSON
fsr-3421	34	4	28	CARDINAL
fsr-3421	34	5	2020	DATE
fsr-3421	34	6	133–158	CARDINAL
fsr-3421	34	7	australia	GPE
fsr-3421	35	1	australian	NORP
fsr-3421	39	1	three	CARDINAL
fsr-3421	39	2	three	CARDINAL
fsr-3421	41	1	2	CARDINAL
fsr-3421	41	2	2.1	CARDINAL
fsr-3421	42	1	2.1.1	CARDINAL
fsr-3421	45	1	australian securities & investment commission	ORG
fsr-3421	45	2	2016	CARDINAL
fsr-3421	45	3	5	CARDINAL
fsr-3421	47	1	2002	DATE
fsr-3421	47	2	204	CARDINAL
fsr-3421	50	1	heckman	PERSON
fsr-3421	50	2	seay	PERSON
fsr-3421	50	3	kim	PERSON
fsr-3421	50	4	2016	CARDINAL
fsr-3421	50	5	442	CARDINAL
fsr-3421	51	1	2.1.2	CARDINAL
fsr-3421	52	1	inderst & ottaviani	ORG
fsr-3421	52	2	2012b	DATE
fsr-3421	53	1	d. w. richards	PERSON
fsr-3421	53	2	e. f. morton	PERSON
fsr-3421	53	3	28	CARDINAL
fsr-3421	53	4	2020	DATE
fsr-3421	53	5	133–158 135	CARDINAL
fsr-3421	53	6	2000	DATE
fsr-3421	53	7	angel & mccabe	ORG
fsr-3421	53	8	2013	DATE
fsr-3421	53	9	maley	ORG
fsr-3421	53	10	2018	DATE
fsr-3421	54	1	boatright	PERSON
fsr-3421	54	2	2000	DATE
fsr-3421	54	3	202	CARDINAL
fsr-3421	56	1	firstly	ORDINAL
fsr-3421	60	1	secondly	ORDINAL
fsr-3421	62	1	2.2	CARDINAL
fsr-3421	64	1	italian	NORP
fsr-3421	64	2	2017	DATE
fsr-3421	66	1	foerster et al	PERSON
fsr-3421	67	1	2017	CARDINAL
fsr-3421	67	2	canada	GPE
fsr-3421	68	1	germany	GPE
fsr-3421	68	2	hackethal et al	PERSON
fsr-3421	69	1	2012	DATE
fsr-3421	70	1	switzerland	GPE
fsr-3421	71	1	2018	DATE
fsr-3421	72	1	kramer	ORG
fsr-3421	72	2	2012	DATE
fsr-3421	72	3	shapira & venezia	ORG
fsr-3421	72	4	2001	DATE
fsr-3421	72	5	von gaudecker	PERSON
fsr-3421	72	6	2015	DATE
fsr-3421	74	1	u.s.	GPE
fsr-3421	74	2	2000	DATE
fsr-3421	75	1	nicolini	PERSON
fsr-3421	75	2	2010	DATE
fsr-3421	75	3	italy	GPE
fsr-3421	75	4	the united states	GPE
fsr-3421	79	1	2009	DATE
fsr-3421	79	2	2012a	DATE
fsr-3421	80	1	136	CARDINAL
fsr-3421	80	2	d. w. richards	PERSON
fsr-3421	80	3	e. f. morton	PERSON
fsr-3421	80	4	28	CARDINAL
fsr-3421	80	5	2020	DATE
fsr-3421	80	6	133–158	CARDINAL
fsr-3421	80	7	2013	DATE
fsr-3421	82	1	2017	CARDINAL
fsr-3421	82	2	the czech republic	GPE
fsr-3421	83	1	2017	CARDINAL
fsr-3421	84	1	huck, & inderst	ORG
fsr-3421	84	2	2010	DATE
fsr-3421	84	3	rubin	GPE
fsr-3421	84	4	2015	DATE
fsr-3421	84	5	shleifer	ORG
fsr-3421	84	6	2015	DATE
fsr-3421	86	1	italy	GPE
fsr-3421	86	2	2017	DATE
fsr-3421	87	1	calcagno et al	PERSON
fsr-3421	88	1	2017	CARDINAL
fsr-3421	88	2	74%	PERCENT
fsr-3421	89	1	26%	PERCENT
fsr-3421	89	2	19%	PERCENT
fsr-3421	89	3	second	ORDINAL
fsr-3421	89	4	3.4%	PERCENT
fsr-3421	89	5	3.3%	PERCENT
fsr-3421	92	1	australian	NORP
fsr-3421	93	1	australian	NORP
fsr-3421	93	2	cull & bowyer	ORG
fsr-3421	93	3	2017	DATE
fsr-3421	94	1	2.3	CARDINAL
fsr-3421	95	1	australian	NORP
fsr-3421	95	2	australian	NORP
fsr-3421	95	3	2002	DATE
fsr-3421	95	4	2009	DATE
fsr-3421	96	1	1996	DATE
fsr-3421	96	2	australia	GPE
fsr-3421	96	3	mcinnes	ORG
fsr-3421	96	4	2020	DATE
fsr-3421	97	1	australian	NORP
fsr-3421	98	1	australia	GPE
fsr-3421	98	2	2015	DATE
fsr-3421	99	1	mcinnes	PERSON
fsr-3421	99	2	2020	DATE
fsr-3421	99	3	2009	DATE
fsr-3421	100	1	mcinnes surveyed financial advisors	ORG
fsr-3421	100	2	australia	GPE
fsr-3421	101	1	australian	NORP
fsr-3421	102	1	2012	DATE
fsr-3421	103	1	2011	DATE
fsr-3421	104	1	d. w. richards	PERSON
fsr-3421	104	2	e. f. morton	PERSON
fsr-3421	104	3	28	CARDINAL
fsr-3421	104	4	2020	DATE
fsr-3421	105	1	133–158	CARDINAL
fsr-3421	105	2	137	CARDINAL
fsr-3421	105	3	australia	GPE
fsr-3421	105	4	cull & sloan	ORG
fsr-3421	105	5	2016	DATE
fsr-3421	106	1	bowyer (	ORG
fsr-3421	106	2	2017	DATE
fsr-3421	107	1	2.4	CARDINAL
fsr-3421	108	1	australia	GPE
fsr-3421	110	1	glover	PERSON
fsr-3421	110	2	2002	DATE
fsr-3421	112	1	glover, 2002	ORG
fsr-3421	112	2	batten & pearson	ORG
fsr-3421	112	3	2013	DATE
fsr-3421	113	1	two	CARDINAL
fsr-3421	113	2	the financial planning association of australia	ORG
fsr-3421	113	3	afa	ORG
fsr-3421	113	4	first	ORDINAL
fsr-3421	113	5	fpa	ORG
fsr-3421	113	6	2013	DATE
fsr-3421	113	7	afa	ORG
fsr-3421	113	8	2018	DATE
fsr-3421	115	1	2019	DATE
fsr-3421	116	1	2001	DATE
fsr-3421	116	2	cth	PERSON
fsr-3421	117	1	2012	DATE
fsr-3421	117	2	2015	DATE
fsr-3421	118	1	2	CARDINAL
fsr-3421	118	2	3	CARDINAL
fsr-3421	118	3	4	CARDINAL
fsr-3421	118	4	5	CARDINAL
fsr-3421	119	1	section 961b(1	LAW
fsr-3421	120	1	batten & pearson	ORG
fsr-3421	120	2	2013	DATE
fsr-3421	122	1	australian	NORP
fsr-3421	123	1	australian	NORP
fsr-3421	123	2	2009	DATE
fsr-3421	123	3	mcinnes 2020	ORG
fsr-3421	123	4	2015	DATE
fsr-3421	124	1	138	CARDINAL
fsr-3421	124	2	d. w. richards	PERSON
fsr-3421	124	3	e. f. morton	PERSON
fsr-3421	124	4	28	CARDINAL
fsr-3421	124	5	2020	DATE
fsr-3421	124	6	133–158	CARDINAL
fsr-3421	127	1	3	CARDINAL
fsr-3421	127	2	2003	DATE
fsr-3421	129	1	three	CARDINAL
fsr-3421	130	1	first	ORDINAL
fsr-3421	130	2	australia	GPE
fsr-3421	131	1	appendix 1	LAW
fsr-3421	131	2	1	CARDINAL
fsr-3421	132	1	11	CARDINAL
fsr-3421	132	2	three	CARDINAL
fsr-3421	132	3	1	CARDINAL
fsr-3421	132	4	2	CARDINAL
fsr-3421	132	5	3	CARDINAL
fsr-3421	133	1	second	ORDINAL
fsr-3421	134	1	eight	CARDINAL
fsr-3421	134	2	one	CARDINAL
fsr-3421	134	3	appendix 1	PERSON
fsr-3421	134	4	2	CARDINAL
fsr-3421	135	1	2011	DATE
fsr-3421	135	2	255	CARDINAL
fsr-3421	138	1	2017	CARDINAL
fsr-3421	138	2	victoria	GPE
fsr-3421	138	3	australia	GPE
fsr-3421	138	4	fpa	ORG
fsr-3421	138	5	afa	ORG
fsr-3421	140	1	54 minutes	TIME
fsr-3421	140	2	between 33 and 79 minutes	CARDINAL
fsr-3421	142	1	appendix 1	LAW
fsr-3421	142	2	3	CARDINAL
fsr-3421	144	1	d. w. richards	PERSON
fsr-3421	144	2	e. f. morton	PERSON
fsr-3421	144	3	28	CARDINAL
fsr-3421	144	4	2020	DATE
fsr-3421	144	5	133–158 139	CARDINAL
fsr-3421	144	6	hsieh & shannon	ORG
fsr-3421	144	7	2005	DATE
fsr-3421	145	1	hsieh & shannon	ORG
fsr-3421	145	2	2005	DATE
fsr-3421	148	1	australia	GPE
fsr-3421	148	2	2018	DATE
fsr-3421	148	3	2019	DATE
fsr-3421	149	1	australia	GPE
fsr-3421	149	2	third	ORDINAL
fsr-3421	152	1	4	CARDINAL
fsr-3421	152	2	4.1	CARDINAL
fsr-3421	153	1	two	CARDINAL
fsr-3421	153	2	two	CARDINAL
fsr-3421	156	1	2001	DATE
fsr-3421	156	2	one	CARDINAL
fsr-3421	157	1	section 766b(4	LAW
fsr-3421	158	1	3	CARDINAL
fsr-3421	158	2	18	CARDINAL
fsr-3421	164	1	two	CARDINAL
fsr-3421	165	1	140	CARDINAL
fsr-3421	165	2	d. w. richards	PERSON
fsr-3421	165	3	e. f. morton	PERSON
fsr-3421	165	4	28	CARDINAL
fsr-3421	165	5	2020	DATE
fsr-3421	165	6	133–158	CARDINAL
fsr-3421	165	7	second	ORDINAL
fsr-3421	166	1	one	CARDINAL
fsr-3421	167	1	2	CARDINAL
fsr-3421	167	2	18	CARDINAL
fsr-3421	167	3	one	CARDINAL
fsr-3421	170	1	2	CARDINAL
fsr-3421	170	2	190	CARDINAL
fsr-3421	172	1	one	CARDINAL
fsr-3421	175	1	two	CARDINAL
fsr-3421	176	1	section 4.2	LAW
fsr-3421	177	1	4.1.2	CARDINAL
fsr-3421	177	2	two	CARDINAL
fsr-3421	177	3	one	CARDINAL
fsr-3421	178	1	3	CARDINAL
fsr-3421	182	1	2	CARDINAL
fsr-3421	184	1	fig	ORG
fsr-3421	185	1	1	CARDINAL
fsr-3421	186	1	four	CARDINAL
fsr-3421	188	1	d. w. richards	PERSON
fsr-3421	188	2	e. f. morton	PERSON
fsr-3421	188	3	28	CARDINAL
fsr-3421	188	4	2020	DATE
fsr-3421	188	5	133–158 141	CARDINAL
fsr-3421	192	1	one	CARDINAL
fsr-3421	208	1	fig	ORG
fsr-3421	209	1	1	CARDINAL
fsr-3421	210	1	142	CARDINAL
fsr-3421	210	2	d. w. richards	PERSON
fsr-3421	210	3	e. f. morton	PERSON
fsr-3421	210	4	28	CARDINAL
fsr-3421	210	5	2020	DATE
fsr-3421	211	1	133–158	CARDINAL
fsr-3421	215	1	1	CARDINAL
fsr-3421	215	2	2	CARDINAL
fsr-3421	217	1	4.2	CARDINAL
fsr-3421	218	1	one	CARDINAL
fsr-3421	218	2	three	CARDINAL
fsr-3421	220	1	australia	GPE
fsr-3421	222	1	firstly	ORDINAL
fsr-3421	225	1	5	CARDINAL
fsr-3421	225	2	3	CARDINAL
fsr-3421	225	3	secondly	ORDINAL
fsr-3421	226	1	6	CARDINAL
fsr-3421	227	1	apls	PERSON
fsr-3421	228	1	6	CARDINAL
fsr-3421	230	1	d. w. richards	PERSON
fsr-3421	230	2	e. f. morton	PERSON
fsr-3421	230	3	28	CARDINAL
fsr-3421	230	4	2020	DATE
fsr-3421	230	5	133–158 143	CARDINAL
fsr-3421	230	6	three	CARDINAL
fsr-3421	230	7	three	CARDINAL
fsr-3421	233	1	2	CARDINAL
fsr-3421	233	2	three	CARDINAL
fsr-3421	234	1	1	CARDINAL
fsr-3421	234	2	1	CARDINAL
fsr-3421	239	1	4.2.2	CARDINAL
fsr-3421	239	2	2	CARDINAL
fsr-3421	239	3	2	CARDINAL
fsr-3421	243	1	2	CARDINAL
fsr-3421	243	2	three	CARDINAL
fsr-3421	244	1	144	CARDINAL
fsr-3421	244	2	d. w. richards	PERSON
fsr-3421	244	3	e. f. morton	PERSON
fsr-3421	244	4	28	CARDINAL
fsr-3421	244	5	2020	DATE
fsr-3421	244	6	133–158	CARDINAL
fsr-3421	245	1	one	CARDINAL
fsr-3421	246	1	2	CARDINAL
fsr-3421	246	2	two	CARDINAL
fsr-3421	250	1	7	CARDINAL
fsr-3421	250	2	2	CARDINAL
fsr-3421	252	1	2	CARDINAL
fsr-3421	255	1	5	CARDINAL
fsr-3421	257	1	2	CARDINAL
fsr-3421	265	1	2	CARDINAL
fsr-3421	265	2	4.2.3	DATE
fsr-3421	266	1	3	CARDINAL
fsr-3421	266	2	one	CARDINAL
fsr-3421	271	1	1	CARDINAL
fsr-3421	272	1	d. w. richards	PERSON
fsr-3421	272	2	e. f. morton	PERSON
fsr-3421	272	3	28	CARDINAL
fsr-3421	272	4	2020	DATE
fsr-3421	272	5	133–158 145	CARDINAL
fsr-3421	274	1	first	ORDINAL
fsr-3421	274	2	two	CARDINAL
fsr-3421	274	3	3	CARDINAL
fsr-3421	276	1	three	CARDINAL
fsr-3421	277	1	approximately 85%	PERCENT
fsr-3421	279	1	6	CARDINAL
fsr-3421	279	2	70	CARDINAL
fsr-3421	283	1	4.3	CARDINAL
fsr-3421	286	1	3	CARDINAL
fsr-3421	289	1	3	CARDINAL
fsr-3421	290	1	146	CARDINAL
fsr-3421	290	2	d. w. richards	PERSON
fsr-3421	290	3	e. f. morton	PERSON
fsr-3421	290	4	28	CARDINAL
fsr-3421	290	5	2020	DATE
fsr-3421	290	6	133–158	CARDINAL
fsr-3421	292	1	two	CARDINAL
fsr-3421	294	1	australian	NORP
fsr-3421	297	1	first	ORDINAL
fsr-3421	298	1	one	CARDINAL
fsr-3421	300	1	5	CARDINAL
fsr-3421	303	1	6	CARDINAL
fsr-3421	303	2	111	CARDINAL
fsr-3421	304	1	2	CARDINAL
fsr-3421	304	2	105	CARDINAL
fsr-3421	306	1	section 4.2	LAW
fsr-3421	310	1	professional bodies	ORG
fsr-3421	312	1	d. w. richards	PERSON
fsr-3421	312	2	e. f. morton	PERSON
fsr-3421	312	3	28	CARDINAL
fsr-3421	312	4	2020	DATE
fsr-3421	313	1	133–158 147	CARDINAL
fsr-3421	320	1	fpa	ORG
fsr-3421	320	2	afa	ORG
fsr-3421	322	1	fpa	ORG
fsr-3421	322	2	afa	ORG
fsr-3421	323	1	afa	PRODUCT
fsr-3421	324	1	1	CARDINAL
fsr-3421	324	2	208	CARDINAL
fsr-3421	327	1	australia	GPE
fsr-3421	329	1	1	CARDINAL
fsr-3421	329	2	2	CARDINAL
fsr-3421	329	3	australian	NORP
fsr-3421	329	4	afca	PERSON
fsr-3421	334	1	2	CARDINAL
fsr-3421	338	1	australia	GPE
fsr-3421	341	1	148	CARDINAL
fsr-3421	341	2	d. w. richards	PERSON
fsr-3421	341	3	e. f. morton	PERSON
fsr-3421	341	4	28	CARDINAL
fsr-3421	341	5	2020	DATE
fsr-3421	341	6	133–158	CARDINAL
fsr-3421	347	1	one	CARDINAL
fsr-3421	349	1	3	CARDINAL
fsr-3421	349	2	15	CARDINAL
fsr-3421	349	3	2019	DATE
fsr-3421	349	4	january 1, 2024	DATE
fsr-3421	349	5	2018	DATE
fsr-3421	353	1	two	CARDINAL
fsr-3421	354	1	firstly	ORDINAL
fsr-3421	355	1	secondly	ORDINAL
fsr-3421	359	1	two	CARDINAL
fsr-3421	360	1	australia	GPE
fsr-3421	361	1	2017	DATE
fsr-3421	362	1	australian	NORP
fsr-3421	362	2	australia	GPE
fsr-3421	364	1	d. w. richards	PERSON
fsr-3421	364	2	e. f. morton	PERSON
fsr-3421	364	3	28	CARDINAL
fsr-3421	364	4	2020	DATE
fsr-3421	365	1	133–158	CARDINAL
fsr-3421	366	1	1	CARDINAL
fsr-3421	368	1	1	CARDINAL
fsr-3421	368	2	209	CARDINAL
fsr-3421	368	3	1	CARDINAL
fsr-3421	378	1	4	CARDINAL
fsr-3421	378	2	second	ORDINAL
fsr-3421	378	3	2017	DATE
fsr-3421	380	1	2017	DATE
fsr-3421	380	2	2018	DATE
fsr-3421	391	1	australia	GPE
fsr-3421	392	1	5	CARDINAL
fsr-3421	392	2	5.1	CARDINAL
fsr-3421	393	1	two	CARDINAL
fsr-3421	394	1	150	CARDINAL
fsr-3421	394	2	d. w. richards	PERSON
fsr-3421	394	3	e. f. morton	PERSON
fsr-3421	394	4	28	CARDINAL
fsr-3421	394	5	2020	DATE
fsr-3421	394	6	133–158	CARDINAL
fsr-3421	396	1	1	CARDINAL
fsr-3421	397	1	second	ORDINAL
fsr-3421	398	1	australia	GPE
fsr-3421	398	2	three	CARDINAL
fsr-3421	399	1	2	CARDINAL
fsr-3421	399	2	•	CARDINAL
fsr-3421	399	3	1	CARDINAL
fsr-3421	401	1	•	CARDINAL
fsr-3421	401	2	2	CARDINAL
fsr-3421	402	1	one	CARDINAL
fsr-3421	404	1	•	CARDINAL
fsr-3421	404	2	3	CARDINAL
fsr-3421	404	3	one	CARDINAL
fsr-3421	407	1	3	CARDINAL
fsr-3421	408	1	3	CARDINAL
fsr-3421	411	1	4	CARDINAL
fsr-3421	413	1	6	CARDINAL
fsr-3421	413	2	d. w. richards	PERSON
fsr-3421	413	3	e. f. morton	PERSON
fsr-3421	413	4	28	CARDINAL
fsr-3421	413	5	2020	DATE
fsr-3421	414	1	133–158	CARDINAL
fsr-3421	414	2	151	MONEY
fsr-3421	415	1	australia	GPE
fsr-3421	426	1	2	CARDINAL
fsr-3421	428	1	4	CARDINAL
fsr-3421	430	1	152	CARDINAL
fsr-3421	430	2	d. w. richards	PERSON
fsr-3421	430	3	e. f. morton	PERSON
fsr-3421	430	4	28	CARDINAL
fsr-3421	430	5	2020	DATE
fsr-3421	430	6	133–158	CARDINAL
fsr-3421	431	1	australia	GPE
fsr-3421	432	1	australian	NORP
fsr-3421	433	1	6.1	CARDINAL
fsr-3421	434	1	australia	GPE
fsr-3421	434	2	switzerland	GPE
fsr-3421	434	3	2018	DATE
fsr-3421	434	4	germany	GPE
fsr-3421	434	5	hackethal et al.	PERSON
fsr-3421	434	6	2012	DATE
fsr-3421	434	7	united states	GPE
fsr-3421	434	8	egan	PERSON
fsr-3421	434	9	& seru	ORG
fsr-3421	434	10	2019	DATE
fsr-3421	434	11	canada	GPE
fsr-3421	434	12	foerster et al.	PERSON
fsr-3421	434	13	2017	DATE
fsr-3421	438	1	2	CARDINAL
fsr-3421	438	2	australian	NORP
fsr-3421	442	1	3	CARDINAL
fsr-3421	444	1	chris robinson	PERSON
fsr-3421	444	2	eva tsahuridu	PERSON
fsr-3421	444	3	two	CARDINAL
fsr-3421	445	1	york university	ORG
fsr-3421	445	2	australian	NORP
fsr-3421	445	3	melbourne	GPE
fsr-3421	445	4	rmit university	ORG
fsr-3421	445	5	melbourne	GPE
fsr-3421	446	1	1	CARDINAL
fsr-3421	448	1	2	CARDINAL
fsr-3421	448	2	justice jacobsen’s	PERSON
fsr-3421	448	3	finn	PERSON
fsr-3421	448	4	1989	DATE
fsr-3421	448	5	46	CARDINAL
fsr-3421	448	6	australian	NORP
fsr-3421	448	7	acn	ORG
fsr-3421	448	8	113	CARDINAL
fsr-3421	448	9	4	CARDINAL
fsr-3421	449	1	2007	DATE
fsr-3421	449	2	963	CARDINAL
fsr-3421	449	3	274	CARDINAL
fsr-3421	450	1	3	CARDINAL
fsr-3421	450	2	www.yellowpages.com.au	GPE
fsr-3421	451	1	asn.au/find-afa-financial-adviser	ORG
fsr-3421	452	1	d. w. richards	PERSON
fsr-3421	452	2	e. f. morton	PERSON
fsr-3421	452	3	28	CARDINAL
fsr-3421	452	4	2020	DATE
fsr-3421	452	5	133–158	CARDINAL
fsr-3421	452	6	153 appendix 1	QUANTITY
fsr-3421	452	7	1	CARDINAL
fsr-3421	452	8	royal commission	ORG
fsr-3421	452	9	1 hayne	PERSON
fsr-3421	452	10	2019	CARDINAL
fsr-3421	452	11	10,323 530	CARDINAL
fsr-3421	452	12	1 2	CARDINAL
fsr-3421	452	13	2018	DATE
fsr-3421	452	14	375	CARDINAL
fsr-3421	452	15	1 3	CARDINAL
fsr-3421	452	16	2014	DATE
fsr-3421	452	17	39 103	CARDINAL
fsr-3421	452	18	2014 4	DATE
fsr-3421	452	19	2012b	ORDINAL
fsr-3421	452	20	77 204	CARDINAL
fsr-3421	452	21	5	CARDINAL
fsr-3421	452	22	2012a	DATE
fsr-3421	452	23	69 220	CARDINAL
fsr-3421	452	24	2011	DATE
fsr-3421	452	25	2011 6	DATE
fsr-3421	452	26	2009	DATE
fsr-3421	452	27	407 209	CARDINAL
fsr-3421	452	28	australia	GPE
fsr-3421	452	29	7	CARDINAL
fsr-3421	452	30	2003	DATE
fsr-3421	452	31	49 86	DATE
fsr-3421	452	32	2	CARDINAL
fsr-3421	452	33	mm	PERSON
fsr-3421	452	34	1 00:53:24	PERCENT
fsr-3421	452	35	12 years	DATE
fsr-3421	452	36	1000	CARDINAL
fsr-3421	452	37	2	CARDINAL
fsr-3421	452	38	29 years	DATE
fsr-3421	452	39	3	CARDINAL
fsr-3421	452	40	17 years	DATE
fsr-3421	452	41	150+	DATE
fsr-3421	452	42	4	CARDINAL
fsr-3421	452	43	16 years	DATE
fsr-3421	452	44	150+ employees	DATE
fsr-3421	452	45	5	CARDINAL
fsr-3421	452	46	10 years	DATE
fsr-3421	452	47	6	CARDINAL
fsr-3421	452	48	5 years	DATE
fsr-3421	452	49	50,000	CARDINAL
fsr-3421	452	50	7	CARDINAL
fsr-3421	452	51	17 years	DATE
fsr-3421	452	52	8	CARDINAL
fsr-3421	452	53	28 years	DATE
fsr-3421	452	54	9	CARDINAL
fsr-3421	452	55	14 years	DATE
fsr-3421	452	56	154	CARDINAL
fsr-3421	452	57	d. w. richards	PERSON
fsr-3421	452	58	e. f. morton	PERSON
fsr-3421	452	59	28	CARDINAL
fsr-3421	452	60	2020	DATE
fsr-3421	453	1	133–158	CARDINAL
fsr-3421	453	2	3	CARDINAL
fsr-3421	454	1	i st	FAC
fsr-3421	455	1	te rv	GPE
fsr-3421	455	2	w	ORG
fsr-3421	455	3	u ct io n	ORG
fsr-3421	455	4	o	DATE
fsr-3421	456	1	te rv	GPE
fsr-3421	456	2	w	GPE
fsr-3421	459	1	g	PERSON
fsr-3421	459	2	ci al	PERSON
fsr-3421	463	1	io	LOC
fsr-3421	464	1	ci al	PERSON
fsr-3421	467	1	ci al	PERSON
fsr-3421	467	2	st ry	PERSON
fsr-3421	468	1	o	DATE
fsr-3421	469	1	io	LOC
fsr-3421	469	2	el h	ORG
fsr-3421	473	1	io	LOC
fsr-3421	475	1	ec	ORG
fsr-3421	476	1	en su	PERSON
fsr-3421	476	2	li ed w	PERSON
fsr-3421	479	1	o	DATE
fsr-3421	480	1	ea	CARDINAL
fsr-3421	480	2	g ro u p	PERSON
fsr-3421	480	3	io n	FAC
fsr-3421	480	4	o	DATE
fsr-3421	480	5	tl	ORG
fsr-3421	480	6	li ce n si n	PERSON
fsr-3421	480	7	g ro u p	PERSON
fsr-3421	481	1	w	GPE
fsr-3421	484	1	ar e n	PERSON
fsr-3421	484	2	w	GPE
fsr-3421	486	1	e w	ORG
fsr-3421	486	2	li ce n	PERSON
fsr-3421	486	3	ea	CARDINAL
fsr-3421	486	4	g ro u p	PERSON
fsr-3421	489	1	o	DATE
fsr-3421	489	2	ci al	PERSON
fsr-3421	490	1	o	DATE
fsr-3421	492	1	io n	FAC
fsr-3421	496	1	st	GPE
fsr-3421	500	1	w	GPE
fsr-3421	502	1	fl u en ce th	GPE
fsr-3421	503	1	ci al	PERSON
fsr-3421	504	1	w	GPE
fsr-3421	504	2	fl u en ce	GPE
fsr-3421	504	3	o	DATE
fsr-3421	508	1	ci al	PERSON
fsr-3421	508	2	u st ry	PERSON
fsr-3421	509	1	w	PERSON
fsr-3421	511	1	w	GPE
fsr-3421	517	1	ar e n	PERSON
fsr-3421	517	2	w	GPE
fsr-3421	520	1	s w h	ORG
fsr-3421	520	2	w	GPE
fsr-3421	520	3	al ifi	PERSON
fsr-3421	523	1	w	GPE
fsr-3421	524	1	o	DATE
fsr-3421	529	1	w	PERSON
fsr-3421	531	1	o	DATE
fsr-3421	533	1	w	GPE
fsr-3421	540	1	ar e n	PERSON
fsr-3421	540	2	w	GPE
fsr-3421	542	1	t se rv	GPE
fsr-3421	546	1	w	GPE
fsr-3421	546	2	w	GPE
fsr-3421	549	1	e/ ar e n	FAC
fsr-3421	549	2	w	GPE
fsr-3421	550	1	t se rv	GPE
fsr-3421	551	1	fl u en ce h	GPE
fsr-3421	552	1	ci al	PERSON
fsr-3421	553	1	o	DATE
fsr-3421	555	1	w	GPE
fsr-3421	555	2	ar e th e	PERSON
fsr-3421	555	3	o	DATE
fsr-3421	556	1	ac	ORG
fsr-3421	556	2	t o n	DATE
fsr-3421	558	1	ct ic	PERSON
fsr-3421	560	1	w	GPE
fsr-3421	560	2	o st n	PERSON
fsr-3421	561	1	ac	ORG
fsr-3421	561	2	t o n	DATE
fsr-3421	562	1	ct ic	PERSON
fsr-3421	565	1	al l ar e b en efi ci al	FAC
fsr-3421	565	2	ci al	PERSON
fsr-3421	565	3	u st ry	PERSON
fsr-3421	566	1	w	GPE
fsr-3421	567	1	o	DATE
fsr-3421	569	1	w	GPE
fsr-3421	570	1	p li	PERSON
fsr-3421	570	2	al ifi	PERSON
fsr-3421	572	1	w	GPE
fsr-3421	573	1	k ed	PERSON
fsr-3421	574	1	e. d. w. richards	PERSON
fsr-3421	574	2	e. f. morton	PERSON
fsr-3421	574	3	28	CARDINAL
fsr-3421	574	4	2020	DATE
fsr-3421	574	5	133–158	CARDINAL
fsr-3421	574	6	american finance association	ORG
fsr-3421	575	1	2018	DATE
fsr-3421	576	1	afa	ORG
fsr-3421	577	1	https://www.afa.asn.au/afa-codeconduct	ORG
fsr-3421	578	1	angel	PERSON
fsr-3421	578	2	j. j., & mccabe	PERSON
fsr-3421	578	3	2013	DATE
fsr-3421	580	1	115	CARDINAL
fsr-3421	580	2	183–193	CARDINAL
fsr-3421	581	1	angelova	ORG
fsr-3421	581	2	t.	GPE
fsr-3421	581	3	2013	DATE
fsr-3421	584	1	93	CARDINAL
fsr-3421	584	2	205	CARDINAL
fsr-3421	586	1	2016	CARDINAL
fsr-3421	588	1	brisbane	GPE
fsr-3421	588	2	australia	GPE
fsr-3421	588	3	australian securities & investment commission	ORG
fsr-3421	591	1	2017	CARDINAL
fsr-3421	593	1	brisbane	GPE
fsr-3421	593	2	australia	GPE
fsr-3421	593	3	australian securities & investment commission	ORG
fsr-3421	594	1	https://www.moneysmart.gov.au/investing/financial-advice/financial-advisers-register	ORG
fsr-3421	595	1	australian	NORP
fsr-3421	595	2	acn	ORG
fsr-3421	595	3	113	CARDINAL
fsr-3421	595	4	4	CARDINAL
fsr-3421	596	1	2007	DATE
fsr-3421	596	2	963	CARDINAL
fsr-3421	596	3	r., & pearson	ORG
fsr-3421	596	4	2013	DATE
fsr-3421	597	1	australia	GPE
fsr-3421	598	1	st	PERSON
fsr-3421	598	2	john	PERSON
fsr-3421	598	3	87	DATE
fsr-3421	598	4	511-559	CARDINAL
fsr-3421	598	5	bigel	PERSON
fsr-3421	598	6	k. (	PERSON
fsr-3421	598	7	2000	DATE
fsr-3421	599	1	united states	GPE
fsr-3421	600	1	journal of business ethics	ORG
fsr-3421	600	2	28	CARDINAL
fsr-3421	600	3	323	CARDINAL
fsr-3421	601	1	j. r.	PERSON
fsr-3421	601	2	2000	DATE
fsr-3421	603	1	105	CARDINAL
fsr-3421	603	2	201	CARDINAL
fsr-3421	604	1	m., & murphy	ORG
fsr-3421	604	2	b.	PERSON
fsr-3421	604	3	2012	DATE
fsr-3421	605	1	tertiary	ORDINAL
fsr-3421	606	1	journal of business ethics	ORG
fsr-3421	606	2	9	CARDINAL
fsr-3421	606	3	105	CARDINAL
fsr-3421	607	1	calcagno	ORG
fsr-3421	607	2	r.	NORP
fsr-3421	607	3	giofre	GPE
fsr-3421	607	4	m., & urzi-brancati	ORG
fsr-3421	607	5	m. c.	PERSON
fsr-3421	607	6	2017	CARDINAL
fsr-3421	609	1	140	CARDINAL
fsr-3421	609	2	287	CARDINAL
fsr-3421	610	1	n., huck	ORG
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fsr-3421	610	3	r.	GPE
fsr-3421	610	4	2010	DATE
fsr-3421	612	1	1, 2019	DATE
fsr-3421	613	1	2001	DATE
fsr-3421	613	2	cth	PERSON
fsr-3421	614	1	2001	DATE
fsr-3421	615	1	chapter 7 act no	LAW
fsr-3421	615	2	50	CARDINAL
fsr-3421	616	1	cull	ORG
fsr-3421	616	2	m.	PERSON
fsr-3421	616	3	2009	DATE
fsr-3421	618	1	australasian accounting business & finance	ORG
fsr-3421	618	2	3	CARDINAL
fsr-3421	618	3	26	CARDINAL
fsr-3421	619	1	cull, m., & bowyer	ORG
fsr-3421	619	2	2017	CARDINAL
fsr-3421	621	1	e journal of social & behavioural research	ORG
fsr-3421	621	2	8	CARDINAL
fsr-3421	621	3	56	CARDINAL
fsr-3421	622	1	cull	ORG
fsr-3421	622	2	m., & sloan	ORG
fsr-3421	622	3	t.	GPE
fsr-3421	622	4	2016	CARDINAL
fsr-3421	624	1	financial planning research journal	ORG
fsr-3421	624	2	2	CARDINAL
fsr-3421	624	3	12	CARDINAL
fsr-3421	625	1	egan	PERSON
fsr-3421	625	2	m.	PERSON
fsr-3421	625	3	a.	PERSON
fsr-3421	625	4	2019	DATE
fsr-3421	627	1	127	CARDINAL
fsr-3421	627	2	233	CARDINAL
fsr-3421	629	1	2018	DATE
fsr-3421	632	1	https://www.fasea.gov.au/wp-content/	TIME
fsr-3421	634	1	2019	CARDINAL
fsr-3421	635	1	2019	DATE
fsr-3421	638	1	foerster	PERSON
fsr-3421	638	2	s.	PERSON
fsr-3421	638	3	j. t.	PERSON
fsr-3421	638	4	b. t.	PERSON
fsr-3421	638	5	a.	PERSON
fsr-3421	638	6	2017	CARDINAL
fsr-3421	639	1	one	CARDINAL
fsr-3421	640	1	72	DATE
fsr-3421	640	2	1441-1482	CARDINAL
fsr-3421	642	1	2013	DATE
fsr-3421	644	1	financial planning association of australia ltd.	ORG
fsr-3421	646	1	gennaioli	PERSON
fsr-3421	646	2	n.	PERSON
fsr-3421	646	3	a., & vishny	ORG
fsr-3421	646	4	r.	PERSON
fsr-3421	646	5	2015	DATE
fsr-3421	648	1	70	CARDINAL
fsr-3421	648	2	91	CARDINAL
fsr-3421	649	1	glover	PERSON
fsr-3421	649	2	2002	DATE
fsr-3421	651	1	adelaide law review	ORG
fsr-3421	651	2	23	CARDINAL
fsr-3421	651	3	215	CARDINAL
fsr-3421	652	1	hackethal, a.	PERSON
fsr-3421	652	2	haliassos	PERSON
fsr-3421	652	3	m., & jappelli	ORG
fsr-3421	652	4	t.	GPE
fsr-3421	652	5	2012	DATE
fsr-3421	654	1	journal of banking & finance	ORG
fsr-3421	654	2	36	CARDINAL
fsr-3421	654	3	509	CARDINAL
fsr-3421	655	1	156	CARDINAL
fsr-3421	655	2	d. w. richards	PERSON
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fsr-3421	655	4	28	CARDINAL
fsr-3421	655	5	2020	DATE
fsr-3421	655	6	133–158	CARDINAL
fsr-3421	655	7	2018	DATE
fsr-3421	656	1	1	CARDINAL
fsr-3421	658	1	hayne	PERSON
fsr-3421	658	2	2019	DATE
fsr-3421	659	1	1	CARDINAL
fsr-3421	660	1	commonwealth	ORG
fsr-3421	660	2	australia	GPE
fsr-3421	662	1	heckman	PERSON
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fsr-3421	662	3	m. c.	PERSON
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fsr-3421	662	5	k. t.	PERSON
fsr-3421	662	6	j. c.	PERSON
fsr-3421	662	7	2016	DATE
fsr-3421	664	1	25	CARDINAL
fsr-3421	664	2	427	CARDINAL
fsr-3421	665	1	d.	NORP
fsr-3421	665	2	s.	PERSON
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fsr-3421	665	5	2018	DATE
fsr-3421	667	1	31	CARDINAL
fsr-3421	667	2	4447-4492	DATE
fsr-3421	668	1	holzmann	ORG
fsr-3421	668	2	r.	PERSON
fsr-3421	668	3	2013	DATE
fsr-3421	670	1	66	CARDINAL
fsr-3421	670	2	1	CARDINAL
fsr-3421	671	1	hsieh	PERSON
fsr-3421	671	2	s. e. (	PERSON
fsr-3421	671	3	2005	DATE
fsr-3421	672	1	three	CARDINAL
fsr-3421	673	1	15	CARDINAL
fsr-3421	673	2	1277-1288	DATE
fsr-3421	674	1	k.	PERSON
fsr-3421	674	2	m., & freudenberg	ORG
fsr-3421	674	3	2011	DATE
fsr-3421	676	1	5	CARDINAL
fsr-3421	676	2	69	CARDINAL
fsr-3421	677	1	inderst,	ORG
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fsr-3421	677	4	2009	DATE
fsr-3421	679	1	american	NORP
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fsr-3421	679	3	883	CARDINAL
fsr-3421	680	1	r., & ottaviani	ORG
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fsr-3421	680	3	2012a	DATE
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fsr-3421	683	4	2012b	TIME
fsr-3421	685	1	50	CARDINAL
fsr-3421	685	2	494	CARDINAL
fsr-3421	686	1	kramer	PERSON
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fsr-3421	686	3	2012	DATE
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fsr-3421	688	2	395	CARDINAL
fsr-3421	689	1	maley	ORG
fsr-3421	689	2	2018	DATE
fsr-3421	694	1	2010	DATE
fsr-3421	696	1	19	CARDINAL
fsr-3421	696	2	307	CARDINAL
fsr-3421	697	1	mcinnes, a. (2020	ORG
fsr-3421	698	1	australia	GPE
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fsr-3421	699	1	abingdon	GPE
fsr-3421	699	2	oxon	PERSON
fsr-3421	700	1	morse	PERSON
fsr-3421	700	2	j. m.	PERSON
fsr-3421	700	3	2003	DATE
fsr-3421	702	1	a. tashakkori & c.	ORG
fsr-3421	703	1	thousands	CARDINAL
fsr-3421	704	1	2015	CARDINAL
fsr-3421	706	1	competition & consumer law journal	ORG
fsr-3421	706	2	22	CARDINAL
fsr-3421	706	3	197	CARDINAL
fsr-3421	708	1	2003	DATE
fsr-3421	710	1	canberra: commonwealth of australia	ORG
fsr-3421	712	1	2009	DATE
fsr-3421	713	1	australia	GPE
fsr-3421	714	1	canberra: commonwealth of australia	ORG
fsr-3421	717	1	2012a	DATE
fsr-3421	718	1	2011	DATE
fsr-3421	718	2	2011	DATE
fsr-3421	719	1	canberra: commonwealth of australia	ORG
fsr-3421	722	1	2012b	TIME
fsr-3421	724	1	canberra: commonwealth of australia	ORG
fsr-3421	726	1	2014	DATE
fsr-3421	728	1	canberra: commonwealth of australia	ORG
fsr-3421	729	1	rubin	GPE
fsr-3421	729	2	g. d.	PERSON
fsr-3421	729	3	2015	CARDINAL
fsr-3421	731	1	120	CARDINAL
fsr-3421	731	2	519	CARDINAL
fsr-3421	732	1	d. w. richards	PERSON
fsr-3421	732	2	e. f. morton	PERSON
fsr-3421	732	3	28	CARDINAL
fsr-3421	732	4	2020	DATE
fsr-3421	733	1	133–158	CARDINAL
fsr-3421	733	2	q. q.	PERSON
fsr-3421	733	3	j. (2011	ORG
fsr-3421	735	1	accounting & management	ORG
fsr-3421	735	2	8	CARDINAL
fsr-3421	735	3	238	CARDINAL
fsr-3421	736	1	shapira	GPE
fsr-3421	736	2	z., & venezia	ORG
fsr-3421	736	3	i. (2001	ORG
fsr-3421	738	1	journal of banking & finance	ORG
fsr-3421	738	2	25	CARDINAL
fsr-3421	738	3	1573-1587	DATE
fsr-3421	739	1	j., & budinský	ORG
fsr-3421	739	2	2017	CARDINAL
fsr-3421	740	1	ifa	ORG
fsr-3421	741	1	26	CARDINAL
fsr-3421	741	2	367	CARDINAL
fsr-3421	742	1	von gaudecker	PERSON
fsr-3421	742	2	h. m.	PERSON
fsr-3421	742	3	2015	DATE
fsr-3421	744	1	70	DATE
fsr-3421	744	2	489	CARDINAL
fsr-3421	744	3	t.	GPE
fsr-3421	744	4	2002	DATE
fsr-3421	746	1	11	CARDINAL
fsr-3421	746	2	201	CARDINAL
fsr-3421	746	3	d. w. richards	PERSON
fsr-3421	746	4	e. f. morton	PERSON
fsr-3421	746	5	28	CARDINAL
fsr-3421	746	6	2020	DATE
fsr-3421	746	7	133–158	CARDINAL