id	sid	eid	entity	type
fsr-3458	1	1	steve	PERSON
fsr-3458	1	2	brian c. payneb	PERSON
fsr-3458	1	3	scott schatzlec alutgert college of business	ORG
fsr-3458	1	4	florida gulf coast university	ORG
fsr-3458	1	5	10501	DATE
fsr-3458	1	6	fgcu boulevard south	ORG
fsr-3458	1	7	fort myers	GPE
fsr-3458	1	8	33965	DATE
fsr-3458	1	9	usa bcollege of business administration	ORG
fsr-3458	1	10	university of nebraska	ORG
fsr-3458	1	11	omaha	GPE
fsr-3458	1	12	6708	CARDINAL
fsr-3458	1	13	mammel hall	ORG
fsr-3458	1	14	228	CARDINAL
fsr-3458	1	15	omaha	GPE
fsr-3458	1	16	68182	DATE
fsr-3458	1	17	usa cmutual trust advisory group	ORG
fsr-3458	1	18	23190	CARDINAL
fsr-3458	1	19	estero	GPE
fsr-3458	2	1	aum	ORG
fsr-3458	5	1	2021	CARDINAL
fsr-3458	7	1	jel	ORG
fsr-3458	7	2	1	CARDINAL
fsr-3458	11	1	1057-0810/21/$	CARDINAL
fsr-3458	11	2	2021	CARDINAL
fsr-3458	13	1	29	CARDINAL
fsr-3458	13	2	2021	CARDINAL
fsr-3458	14	1	227–245	CARDINAL
fsr-3458	15	1	2006	DATE
fsr-3458	15	2	2017	CARDINAL
fsr-3458	16	1	aum	ORG
fsr-3458	17	1	aum	ORG
fsr-3458	19	1	aum	ORG
fsr-3458	20	1	aum	ORG
fsr-3458	20	2	aum	ORG
fsr-3458	25	1	hoechle et al	PERSON
fsr-3458	25	2	2018	DATE
fsr-3458	26	1	egan	PERSON
fsr-3458	26	2	2019	DATE
fsr-3458	27	1	cheng	PERSON
fsr-3458	27	2	kalenkoski	PERSON
fsr-3458	27	3	2018	DATE
fsr-3458	27	4	more than 20%	PERCENT
fsr-3458	33	1	aum	ORG
fsr-3458	35	1	228	CARDINAL
fsr-3458	35	2	s. p. fraser et al	PERSON
fsr-3458	35	3	29	CARDINAL
fsr-3458	35	4	2021	CARDINAL
fsr-3458	36	1	227–245 2	CARDINAL
fsr-3458	37	1	fama & french	ORG
fsr-3458	37	2	2010	DATE
fsr-3458	38	1	zero	CARDINAL
fsr-3458	38	2	sec	ORG
fsr-3458	38	3	2014	DATE
fsr-3458	41	1	bae	ORG
fsr-3458	41	2	1997	DATE
fsr-3458	44	1	only 20%	PERCENT
fsr-3458	45	1	2000	DATE
fsr-3458	46	1	huston	PERSON
fsr-3458	46	2	winchester	GPE
fsr-3458	46	3	2011	DATE
fsr-3458	48	1	seay et al	PERSON
fsr-3458	48	2	2017	CARDINAL
fsr-3458	49	1	cheng	PERSON
fsr-3458	49	2	kalenkoski	PERSON
fsr-3458	49	3	2018	DATE
fsr-3458	49	4	27%	PERCENT
fsr-3458	49	5	16%	PERCENT
fsr-3458	49	6	18%	PERCENT
fsr-3458	49	7	15%	PERCENT
fsr-3458	49	8	hourly	TIME
fsr-3458	50	1	more than 20%	PERCENT
fsr-3458	53	1	shipe	PERSON
fsr-3458	53	2	2018	DATE
fsr-3458	53	3	adv	ORG
fsr-3458	53	4	2009	DATE
fsr-3458	53	5	2015	DATE
fsr-3458	53	6	aum	ORG
fsr-3458	53	7	hourly	TIME
fsr-3458	55	1	2017	CARDINAL
fsr-3458	55	2	aum	ORG
fsr-3458	55	3	1%	PERCENT
fsr-3458	55	4	0.50%	PERCENT
fsr-3458	56	1	1.65%	PERCENT
fsr-3458	58	1	s. p. fraser	PERSON
fsr-3458	59	1	29	CARDINAL
fsr-3458	59	2	2021	CARDINAL
fsr-3458	59	3	227–245	CARDINAL
fsr-3458	60	1	aum	PERSON
fsr-3458	61	1	aum	ORG
fsr-3458	62	1	aum	ORG
fsr-3458	64	1	two	CARDINAL
fsr-3458	66	1	aum	ORG
fsr-3458	69	1	1	CARDINAL
fsr-3458	70	1	aum	ORG
fsr-3458	70	2	2	CARDINAL
fsr-3458	71	1	non-aum	PERSON
fsr-3458	74	1	2	CARDINAL
fsr-3458	75	1	1	CARDINAL
fsr-3458	76	1	3	CARDINAL
fsr-3458	77	1	nwt ¼ st þ bt þ ret þ	PERSON
fsr-3458	78	1	1	CARDINAL
fsr-3458	78	2	st þ	PERSON
fsr-3458	80	1	2	CARDINAL
fsr-3458	80	2	þ ret þ	PERSON
fsr-3458	81	1	3	CARDINAL
fsr-3458	81	2	aum	ORG
fsr-3458	83	1	4	CARDINAL
fsr-3458	83	2	aum	ORG
fsr-3458	84	1	5	CARDINAL
fsr-3458	84	2	þ þ	PERSON
fsr-3458	85	1	4	CARDINAL
fsr-3458	85	2	1	CARDINAL
fsr-3458	85	3	1	CARDINAL
fsr-3458	85	4	þ þ	PERSON
fsr-3458	85	5	1 þ rpe	PERSON
fsr-3458	86	1	5	CARDINAL
fsr-3458	87	1	first	ORDINAL
fsr-3458	88	1	6	CARDINAL
fsr-3458	88	2	230	CARDINAL
fsr-3458	88	3	s. p. fraser	PERSON
fsr-3458	89	1	29	CARDINAL
fsr-3458	89	2	2021	CARDINAL
fsr-3458	89	3	227–245 aum feet	QUANTITY
fsr-3458	90	1	6	CARDINAL
fsr-3458	91	1	okw kimk	PERSON
fsr-3458	91	2	t þ olu lnwl	PERSON
fsr-3458	92	1	7	CARDINAL
fsr-3458	92	2	w	ORG
fsr-3458	94	1	7	CARDINAL
fsr-3458	94	2	aum	ORG
fsr-3458	95	1	6	CARDINAL
fsr-3458	96	1	w k	PERSON
fsr-3458	97	1	7	CARDINAL
fsr-3458	98	1	6	CARDINAL
fsr-3458	99	1	aum	ORG
fsr-3458	99	2	w k	PERSON
fsr-3458	100	1	7	CARDINAL
fsr-3458	102	1	aum feet	PERSON
fsr-3458	103	1	w jimj	LOC
fsr-3458	103	2	t þ u jnwj	GPE
fsr-3458	104	1	9	CARDINAL
fsr-3458	104	2	eqs	CARDINAL
fsr-3458	105	1	6	CARDINAL
fsr-3458	105	2	7	CARDINAL
fsr-3458	107	1	9	CARDINAL
fsr-3458	112	1	w	GPE
fsr-3458	113	1	9	CARDINAL
fsr-3458	113	2	aum þ	PERSON
fsr-3458	114	1	10	CARDINAL
fsr-3458	115	1	10	CARDINAL
fsr-3458	115	2	aum	ORG
fsr-3458	118	1	function.2 s. p. fraser	PERSON
fsr-3458	119	1	29	CARDINAL
fsr-3458	119	2	2021	CARDINAL
fsr-3458	119	3	227–245	CARDINAL
fsr-3458	120	1	one	CARDINAL
fsr-3458	122	1	one	CARDINAL
fsr-3458	125	1	aum	ORG
fsr-3458	125	2	aum	PERSON
fsr-3458	126	1	aum	ORG
fsr-3458	126	2	50	CARDINAL
fsr-3458	126	3	250,000	MONEY
fsr-3458	126	4	aum	ORG
fsr-3458	126	5	aum	ORG
fsr-3458	127	1	aum	ORG
fsr-3458	131	1	the first year	DATE
fsr-3458	132	1	the first year	DATE
fsr-3458	133	1	years	DATE
fsr-3458	133	2	one-half	CARDINAL
fsr-3458	133	3	the first year	DATE
fsr-3458	137	1	aum	ORG
fsr-3458	139	1	years	DATE
fsr-3458	139	2	1	CARDINAL
fsr-3458	139	3	aum	ORG
fsr-3458	139	4	aum	ORG
fsr-3458	143	1	232	CARDINAL
fsr-3458	143	2	s. p. fraser	PERSON
fsr-3458	145	1	29	CARDINAL
fsr-3458	145	2	2021	CARDINAL
fsr-3458	146	1	227–245	CARDINAL
fsr-3458	146	2	0	MONEY
fsr-3458	146	3	almost 90	CARDINAL
fsr-3458	148	1	charles schwab inc.	ORG
fsr-3458	149	1	brenner	PERSON
fsr-3458	149	2	meyll	PERSON
fsr-3458	149	3	2020	DATE
fsr-3458	150	1	approximately 40	CARDINAL
fsr-3458	151	1	an additional 10	CARDINAL
fsr-3458	151	2	250,000	MONEY
fsr-3458	151	3	uhl	PERSON
fsr-3458	151	4	2018	DATE
fsr-3458	152	1	10	CARDINAL
fsr-3458	152	2	above $2 million	MONEY
fsr-3458	152	3	30	CARDINAL
fsr-3458	153	1	max	PERSON
fsr-3458	153	2	max	PERSON
fsr-3458	156	1	1	CARDINAL
fsr-3458	158	1	aum	ORG
fsr-3458	159	1	aum	ORG
fsr-3458	159	2	third	ORDINAL
fsr-3458	160	1	aum	ORG
fsr-3458	160	2	1	CARDINAL
fsr-3458	160	3	max	PERSON
fsr-3458	160	4	max $	PERSON
fsr-3458	160	5	$ 500,000 60 $ 3,000 $	MONEY
fsr-3458	160	6	$ 250,000 50 $ 1,250 $ 500,000 $ 2,500,000 50 $ 13,000 $ 250,000 $ 2,000,000 40 $ 8,250 $ 2,500,000 $	MONEY
fsr-3458	160	7	40 $2,000,000 $	MONEY
fsr-3458	160	8	30	CARDINAL
fsr-3458	160	9	max $	PERSON
fsr-3458	161	1	250,000	MONEY
fsr-3458	161	2	$ 3,000 $ 250,000 $ 2,000,000 90 $ 18,750 $ 2,000,000 $	MONEY
fsr-3458	161	3	60	CARDINAL
fsr-3458	161	4	50%	PERCENT
fsr-3458	161	5	the year 1	DATE
fsr-3458	163	1	two	CARDINAL
fsr-3458	164	1	s. p. fraser	PERSON
fsr-3458	165	1	29	CARDINAL
fsr-3458	165	2	2021	CARDINAL
fsr-3458	165	3	227–245	CARDINAL
fsr-3458	165	4	ab le 2	ORG
fsr-3458	165	5	u la ti	PERSON
fsr-3458	166	1	1	CARDINAL
fsr-3458	166	2	ea	CARDINAL
fsr-3458	167	1	u rn s	FAC
fsr-3458	168	1	io n s	FAC
fsr-3458	171	1	5	CARDINAL
fsr-3458	171	2	0 %	PERCENT
fsr-3458	171	3	2 %	PERCENT
fsr-3458	171	4	1 4	DATE
fsr-3458	172	1	5 %	PERCENT
fsr-3458	175	1	1 0 .7 3	TIME
fsr-3458	178	1	2 %	PERCENT
fsr-3458	178	2	3 .3 3 %	PERCENT
fsr-3458	179	1	0 .2 2	MONEY
fsr-3458	179	2	ea	CARDINAL
fsr-3458	181	1	5 .7 9 %	PERCENT
fsr-3458	181	2	7 %	PERCENT
fsr-3458	181	3	7 %	PERCENT
fsr-3458	181	4	0 .4	PERCENT
fsr-3458	181	5	8 .8	PERCENT
fsr-3458	182	1	8 .7 6 %	PERCENT
fsr-3458	182	2	2	CARDINAL
fsr-3458	182	3	0 .1 7 %	PERCENT
fsr-3458	182	4	2 %	PERCENT
fsr-3458	182	5	0	CARDINAL
fsr-3458	182	6	0	CARDINAL
fsr-3458	184	1	u la te	PERSON
fsr-3458	185	1	u la ti o n	PERSON
fsr-3458	186	1	u la ti o n	PERSON
fsr-3458	186	2	rr el	GPE
fsr-3458	186	3	io	LOC
fsr-3458	186	4	o	DATE
fsr-3458	187	1	t ar g	FAC
fsr-3458	187	2	o	DATE
fsr-3458	187	3	2	CARDINAL
fsr-3458	192	1	al m ar k	PERSON
fsr-3458	192	2	234	CARDINAL
fsr-3458	192	3	s. p. fraser	PERSON
fsr-3458	193	1	29	CARDINAL
fsr-3458	193	2	2021	CARDINAL
fsr-3458	193	3	227–245	CARDINAL
fsr-3458	193	4	aum	ORG
fsr-3458	194	1	aum	ORG
fsr-3458	195	1	aum	ORG
fsr-3458	196	1	three	CARDINAL
fsr-3458	196	2	some remaining work years	DATE
fsr-3458	197	1	three	CARDINAL
fsr-3458	197	2	aum	ORG
fsr-3458	197	3	aum	ORG
fsr-3458	197	4	1.5x	CARDINAL
fsr-3458	197	5	aum	ORG
fsr-3458	197	6	2x	CARDINAL
fsr-3458	197	7	aum	ORG
fsr-3458	198	1	40 years	DATE
fsr-3458	198	2	20 years	DATE
fsr-3458	198	3	10 years	DATE
fsr-3458	199	1	first	ORDINAL
fsr-3458	200	1	first-year	DATE
fsr-3458	200	2	aum	ORG
fsr-3458	201	1	year two	DATE
fsr-3458	202	1	•	CARDINAL
fsr-3458	203	1	•	CARDINAL
fsr-3458	203	2	three	CARDINAL
fsr-3458	204	1	80/ 20, 60/40	DATE
fsr-3458	204	2	40/60	CARDINAL
fsr-3458	205	1	•	CARDINAL
fsr-3458	205	2	aum	ORG
fsr-3458	207	1	•	CARDINAL
fsr-3458	207	2	annually	DATE
fsr-3458	208	1	four	CARDINAL
fsr-3458	208	2	2020	DATE
fsr-3458	209	1	•	CARDINAL
fsr-3458	210	1	2	CARDINAL
fsr-3458	210	2	10-year	DATE
fsr-3458	210	3	10,000	CARDINAL
fsr-3458	210	4	monte carlo runs.4	PERSON
fsr-3458	211	1	s. p. fraser et	PERSON
fsr-3458	212	1	29	CARDINAL
fsr-3458	212	2	2021	CARDINAL
fsr-3458	212	3	227–245 235	CARDINAL
fsr-3458	212	4	aum	ORG
fsr-3458	213	1	4	CARDINAL
fsr-3458	214	1	3	CARDINAL
fsr-3458	214	2	1	CARDINAL
fsr-3458	215	1	annual	DATE
fsr-3458	215	2	aum	ORG
fsr-3458	216	1	6	CARDINAL
fsr-3458	216	2	7	CARDINAL
fsr-3458	217	1	three	CARDINAL
fsr-3458	218	1	three	CARDINAL
fsr-3458	218	2	nine	CARDINAL
fsr-3458	219	1	one	CARDINAL
fsr-3458	219	2	600,000	MONEY
fsr-3458	220	1	aum	ORG
fsr-3458	221	1	600,000	MONEY
fsr-3458	221	2	1	CARDINAL
fsr-3458	221	3	600,000	MONEY
fsr-3458	221	4	1.5	CARDINAL
fsr-3458	222	1	400,000	MONEY
fsr-3458	222	2	2	CARDINAL
fsr-3458	222	3	600,000	MONEY
fsr-3458	222	4	2	CARDINAL
fsr-3458	223	1	300,000	MONEY
fsr-3458	223	2	3	CARDINAL
fsr-3458	225	1	three	CARDINAL
fsr-3458	225	2	c3	PERSON
fsr-3458	226	1	aum	ORG
fsr-3458	227	1	3	CARDINAL
fsr-3458	227	2	aum	ORG
fsr-3458	227	3	1	CARDINAL
fsr-3458	229	1	nine	CARDINAL
fsr-3458	232	1	236	CARDINAL
fsr-3458	232	2	s. p. fraser	PERSON
fsr-3458	233	1	29	CARDINAL
fsr-3458	233	2	2021	CARDINAL
fsr-3458	233	3	227–245	CARDINAL
fsr-3458	233	4	3	CARDINAL
fsr-3458	233	5	ia l fe	FAC
fsr-3458	234	1	1 2	CARDINAL
fsr-3458	234	2	n et w o	ORG
fsr-3458	235	1	rt h $	ORG
fsr-3458	235	2	6	MONEY
fsr-3458	235	3	6	MONEY
fsr-3458	235	4	6	MONEY
fsr-3458	235	5	2	MONEY
fsr-3458	235	6	4	CARDINAL
fsr-3458	235	7	2	MONEY
fsr-3458	235	8	4	CARDINAL
fsr-3458	235	9	2	MONEY
fsr-3458	235	10	4	CARDINAL
fsr-3458	236	1	6	MONEY
fsr-3458	236	2	0	CARDINAL
fsr-3458	236	3	6	MONEY
fsr-3458	236	4	0	CARDINAL
fsr-3458	236	5	6	MONEY
fsr-3458	236	6	0	CARDINAL
fsr-3458	237	1	6	MONEY
fsr-3458	237	2	4	MONEY
fsr-3458	237	3	3	MONEY
fsr-3458	237	4	2	MONEY
fsr-3458	237	5	4	CARDINAL
fsr-3458	237	6	1	MONEY
fsr-3458	237	7	6	CARDINAL
fsr-3458	237	8	1	MONEY
fsr-3458	237	9	2	CARDINAL
fsr-3458	237	10	6	MONEY
fsr-3458	237	11	0	CARDINAL
fsr-3458	237	12	4	MONEY
fsr-3458	237	13	0	CARDINAL
fsr-3458	237	14	3	MONEY
fsr-3458	237	15	0	CARDINAL
fsr-3458	240	1	6	CARDINAL
fsr-3458	240	2	5	MONEY
fsr-3458	240	3	3	CARDINAL
fsr-3458	240	4	4	MONEY
fsr-3458	240	5	9	CARDINAL
fsr-3458	240	6	$ 2 1	MONEY
fsr-3458	240	7	2 5	CARDINAL
fsr-3458	240	8	$ 4 1	MONEY
fsr-3458	240	9	2 5	CARDINAL
fsr-3458	240	10	6	DATE
fsr-3458	240	11	1 5	CARDINAL
fsr-3458	240	12	4	MONEY
fsr-3458	240	13	3	CARDINAL
fsr-3458	240	14	0 $ 3	MONEY
fsr-3458	240	15	4 5	CARDINAL
fsr-3458	240	16	$ 2 1	MONEY
fsr-3458	240	17	1 5	CARDINAL
fsr-3458	240	18	1 5	CARDINAL
fsr-3458	240	19	$ 1 1	MONEY
fsr-3458	240	20	$ 4 2	MONEY
fsr-3458	241	1	3	MONEY
fsr-3458	241	2	7	CARDINAL
fsr-3458	243	1	ia l $	FAC
fsr-3458	243	2	1	MONEY
fsr-3458	243	3	0 $ 1	MONEY
fsr-3458	243	4	5	CARDINAL
fsr-3458	243	5	0 $ 8	MONEY
fsr-3458	243	6	0 $ 4	MONEY
fsr-3458	243	7	0 $ 6	MONEY
fsr-3458	243	8	0	CARDINAL
fsr-3458	243	9	0 $ 4	MONEY
fsr-3458	243	10	5	CARDINAL
fsr-3458	243	11	0 $ 1	MONEY
fsr-3458	243	12	5	CARDINAL
fsr-3458	243	13	0 $ 1 3	MONEY
fsr-3458	244	1	s %	PERCENT
fsr-3458	245	1	0 %	PERCENT
fsr-3458	245	2	0 .1 7 %	PERCENT
fsr-3458	246	1	5 %	PERCENT
fsr-3458	246	2	0 .0 3 %	PERCENT
fsr-3458	246	3	0 .1 7 %	PERCENT
fsr-3458	247	1	5 %	PERCENT
fsr-3458	247	2	0 .0 8 %	PERCENT
fsr-3458	247	3	0 .1 8 %	PERCENT
fsr-3458	248	1	3 %	PERCENT
fsr-3458	249	1	o	DATE
fsr-3458	249	2	o	DATE
fsr-3458	249	3	t h	GPE
fsr-3458	249	4	ia l fe	FAC
fsr-3458	251	1	ea	CARDINAL
fsr-3458	252	1	n et w o rt h (n w	ORG
fsr-3458	254	1	li	PERSON
fsr-3458	254	2	st ru ct u	LOC
fsr-3458	256	1	o	DATE
fsr-3458	256	2	w	PERSON
fsr-3458	256	3	ed fe e. p	PERSON
fsr-3458	259	1	st ru ct u	FAC
fsr-3458	260	1	s. s. p. fraser	PERSON
fsr-3458	261	1	29	CARDINAL
fsr-3458	261	2	2021	CARDINAL
fsr-3458	261	3	227–245 237	CARDINAL
fsr-3458	262	1	1, 4	DATE
fsr-3458	262	2	7	CARDINAL
fsr-3458	262	3	3	CARDINAL
fsr-3458	262	4	6	DATE
fsr-3458	262	5	9	CARDINAL
fsr-3458	263	1	25	CARDINAL
fsr-3458	264	1	two	CARDINAL
fsr-3458	264	2	one	CARDINAL
fsr-3458	264	3	aum	ORG
fsr-3458	264	4	today	DATE
fsr-3458	268	1	one	CARDINAL
fsr-3458	268	2	aum	ORG
fsr-3458	268	3	1	CARDINAL
fsr-3458	268	4	4	DATE
fsr-3458	268	5	7	CARDINAL
fsr-3458	268	6	3	CARDINAL
fsr-3458	269	1	1	CARDINAL
fsr-3458	274	1	years	DATE
fsr-3458	275	1	subsequent years	DATE
fsr-3458	276	1	50%	PERCENT
fsr-3458	276	2	the initial year	DATE
fsr-3458	277	1	60	CARDINAL
fsr-3458	277	2	50	DATE
fsr-3458	277	3	40	CARDINAL
fsr-3458	277	4	1	CARDINAL
fsr-3458	277	5	30	CARDINAL
fsr-3458	277	6	25	DATE
fsr-3458	277	7	20	CARDINAL
fsr-3458	277	8	every year	DATE
fsr-3458	277	9	the initial year	DATE
fsr-3458	280	1	4	CARDINAL
fsr-3458	280	2	two	CARDINAL
fsr-3458	281	1	10,000	CARDINAL
fsr-3458	281	2	aum	ORG
fsr-3458	281	3	nine	CARDINAL
fsr-3458	282	1	year 1 and year 2	DATE
fsr-3458	283	1	aum	ORG
fsr-3458	284	1	238	CARDINAL
fsr-3458	284	2	s. p. fraser	PERSON
fsr-3458	285	1	29	CARDINAL
fsr-3458	285	2	2021	CARDINAL
fsr-3458	285	3	227–245	CARDINAL
fsr-3458	285	4	4	CARDINAL
fsr-3458	285	5	li	PERSON
fsr-3458	285	6	su lt s	PERSON
fsr-3458	285	7	1 2	CARDINAL
fsr-3458	285	8	n et w o	ORG
fsr-3458	286	1	rt h $	ORG
fsr-3458	286	2	6	MONEY
fsr-3458	286	3	6	MONEY
fsr-3458	286	4	6	MONEY
fsr-3458	286	5	2	MONEY
fsr-3458	286	6	4	CARDINAL
fsr-3458	286	7	2	MONEY
fsr-3458	286	8	4	CARDINAL
fsr-3458	286	9	2	MONEY
fsr-3458	286	10	4	CARDINAL
fsr-3458	287	1	6	MONEY
fsr-3458	287	2	0	CARDINAL
fsr-3458	287	3	6	MONEY
fsr-3458	287	4	0	CARDINAL
fsr-3458	287	5	6	MONEY
fsr-3458	287	6	0	CARDINAL
fsr-3458	288	1	6	MONEY
fsr-3458	288	2	4	MONEY
fsr-3458	288	3	3	MONEY
fsr-3458	288	4	2	MONEY
fsr-3458	288	5	4	CARDINAL
fsr-3458	288	6	1	MONEY
fsr-3458	288	7	6	CARDINAL
fsr-3458	288	8	1	MONEY
fsr-3458	288	9	2	CARDINAL
fsr-3458	288	10	6	MONEY
fsr-3458	288	11	0	CARDINAL
fsr-3458	288	12	4	MONEY
fsr-3458	288	13	0	CARDINAL
fsr-3458	288	14	3	MONEY
fsr-3458	288	15	0	CARDINAL
fsr-3458	290	1	0	CARDINAL
fsr-3458	291	1	0	CARDINAL
fsr-3458	292	1	ea	CARDINAL
fsr-3458	292	2	4	CARDINAL
fsr-3458	292	3	2	CARDINAL
fsr-3458	292	4	st ru ct u	LOC
fsr-3458	292	5	1	CARDINAL
fsr-3458	292	6	ea	CARDINAL
fsr-3458	292	7	1	CARDINAL
fsr-3458	292	8	ta l $6	MONEY
fsr-3458	292	9	33 $ 5	MONEY
fsr-3458	292	10	6	CARDINAL
fsr-3458	292	11	5	MONEY
fsr-3458	292	12	2 24 $ 2 2	MONEY
fsr-3458	292	13	0 4 2 $ 1 8	MONEY
fsr-3458	292	14	0 1 5 $ 4 3	MONEY
fsr-3458	292	15	0	CARDINAL
fsr-3458	292	16	3	MONEY
fsr-3458	292	17	3	MONEY
fsr-3458	292	18	6 8	CARDINAL
fsr-3458	292	19	3	MONEY
fsr-3458	292	20	6	CARDINAL
fsr-3458	292	21	7 1 $ 1 3	MONEY
fsr-3458	292	22	0	CARDINAL
fsr-3458	292	23	0 9 $ 2 8	MONEY
fsr-3458	292	24	4 1 5 3	TIME
fsr-3458	292	25	2	MONEY
fsr-3458	292	26	7	CARDINAL
fsr-3458	292	27	1	MONEY
fsr-3458	292	28	9	CARDINAL
fsr-3458	292	29	1	MONEY
fsr-3458	292	30	5	CARDINAL
fsr-3458	292	31	7	CARDINAL
fsr-3458	292	32	0 $ 6	MONEY
fsr-3458	292	33	9	CARDINAL
fsr-3458	292	34	5	MONEY
fsr-3458	292	35	2	CARDINAL
fsr-3458	292	36	0	CARDINAL
fsr-3458	292	37	0 6 $ 1 4	MONEY
fsr-3458	292	38	ea	CARDINAL
fsr-3458	292	39	2	CARDINAL
fsr-3458	292	40	7 61 $ 3	MONEY
fsr-3458	292	41	9	CARDINAL
fsr-3458	292	42	3	MONEY
fsr-3458	292	43	01 $ 1 6	MONEY
fsr-3458	292	44	0 6 $ 2 9	MONEY
fsr-3458	292	45	1	MONEY
fsr-3458	292	46	1	MONEY
fsr-3458	292	47	9	CARDINAL
fsr-3458	292	48	1	MONEY
fsr-3458	292	49	9	CARDINAL
fsr-3458	292	50	6	MONEY
fsr-3458	292	51	6	CARDINAL
fsr-3458	292	52	6	MONEY
fsr-3458	292	53	7	CARDINAL
fsr-3458	292	54	0 $ 6	MONEY
fsr-3458	292	55	8 2	CARDINAL
fsr-3458	292	56	$ 1 4	MONEY
fsr-3458	292	57	4	CARDINAL
fsr-3458	292	58	2 $ 1 4	MONEY
fsr-3458	292	59	2	MONEY
fsr-3458	292	60	8	CARDINAL
fsr-3458	292	61	1	MONEY
fsr-3458	292	62	9	CARDINAL
fsr-3458	292	63	1	MONEY
fsr-3458	292	64	5	CARDINAL
fsr-3458	292	65	0	CARDINAL
fsr-3458	292	66	1	CARDINAL
fsr-3458	292	67	5	MONEY
fsr-3458	292	68	4	CARDINAL
fsr-3458	292	69	6	CARDINAL
fsr-3458	292	70	3 $ 1 5	MONEY
fsr-3458	292	71	1 2	CARDINAL
fsr-3458	292	72	$ 1 1	MONEY
fsr-3458	292	73	4	MONEY
fsr-3458	292	74	8	CARDINAL
fsr-3458	292	75	3	MONEY
fsr-3458	292	76	2	CARDINAL
fsr-3458	292	77	3	MONEY
fsr-3458	292	78	2 8	DATE
fsr-3458	292	79	0 2 4 $ 2	MONEY
fsr-3458	292	80	6	CARDINAL
fsr-3458	292	81	2	CARDINAL
fsr-3458	293	1	6 1 $ 1 2 3	MONEY
fsr-3458	293	2	6	CARDINAL
fsr-3458	293	3	9 $ 2	MONEY
fsr-3458	293	4	4	CARDINAL
fsr-3458	293	5	al	GPE
fsr-3458	295	1	li	PERSON
fsr-3458	295	2	o	DATE
fsr-3458	295	3	3	MONEY
fsr-3458	295	4	3 3 1	DATE
fsr-3458	295	5	5	MONEY
fsr-3458	295	6	8 8 5	DATE
fsr-3458	295	7	3	CARDINAL
fsr-3458	295	8	1 6 8	DATE
fsr-3458	295	9	9 3 $ 5	MONEY
fsr-3458	295	10	1 9	CARDINAL
fsr-3458	295	11	7	CARDINAL
fsr-3458	295	12	6	MONEY
fsr-3458	295	13	7 2 3	DATE
fsr-3458	295	14	2	CARDINAL
fsr-3458	295	15	7	MONEY
fsr-3458	295	16	4	CARDINAL
fsr-3458	295	17	8	MONEY
fsr-3458	295	18	4 4 3	DATE
fsr-3458	295	19	9	MONEY
fsr-3458	295	20	6 1 2	DATE
fsr-3458	295	21	1 9 7	DATE
fsr-3458	295	22	7 9 1 1	TIME
fsr-3458	297	1	li	PERSON
fsr-3458	297	2	o	DATE
fsr-3458	297	3	3	MONEY
fsr-3458	297	4	3 3 1	DATE
fsr-3458	297	5	0 $ 1	MONEY
fsr-3458	297	6	9 8 3	DATE
fsr-3458	297	7	1	MONEY
fsr-3458	297	8	3 1 5	DATE
fsr-3458	297	9	5	MONEY
fsr-3458	297	10	1 9	CARDINAL
fsr-3458	297	11	7	CARDINAL
fsr-3458	297	12	3	MONEY
fsr-3458	297	13	3	CARDINAL
fsr-3458	297	14	2	MONEY
fsr-3458	297	15	3 9 3	DATE
fsr-3458	297	16	4 4 3	DATE
fsr-3458	297	17	5	MONEY
fsr-3458	297	18	5 3 7	DATE
fsr-3458	297	19	4	MONEY
fsr-3458	297	20	0 8 5	DATE
fsr-3458	297	21	2	CARDINAL
fsr-3458	297	22	st ru ct u	FAC
fsr-3458	297	23	1 2	CARDINAL
fsr-3458	297	24	ea	CARDINAL
fsr-3458	297	25	1	CARDINAL
fsr-3458	297	26	ta l $6	MONEY
fsr-3458	297	27	4 53 $ 4	MONEY
fsr-3458	297	28	5	CARDINAL
fsr-3458	297	29	3	MONEY
fsr-3458	297	30	6 10 $ 2 1	MONEY
fsr-3458	297	31	5	CARDINAL
fsr-3458	297	32	ea	CARDINAL
fsr-3458	297	33	2	CARDINAL
fsr-3458	297	34	ta l $6	MONEY
fsr-3458	297	35	4	MONEY
fsr-3458	297	36	7	CARDINAL
fsr-3458	297	37	2 $3	MONEY
fsr-3458	297	38	14 $ 2 2	MONEY
fsr-3458	297	39	5	CARDINAL
fsr-3458	297	40	6 $ 3 2	MONEY
fsr-3458	297	41	$ 2 6	MONEY
fsr-3458	297	42	3	CARDINAL
fsr-3458	297	43	2	MONEY
fsr-3458	297	44	6	CARDINAL
fsr-3458	297	45	4	CARDINAL
fsr-3458	297	46	2 2	CARDINAL
fsr-3458	297	47	3	MONEY
fsr-3458	297	48	2	MONEY
fsr-3458	297	49	al p	ORG
fsr-3458	298	1	li	PERSON
fsr-3458	298	2	o	DATE
fsr-3458	298	3	3	MONEY
fsr-3458	298	4	0 1 7	DATE
fsr-3458	298	5	1	MONEY
fsr-3458	298	6	9	CARDINAL
fsr-3458	298	7	1	MONEY
fsr-3458	298	8	4	CARDINAL
fsr-3458	298	9	5	MONEY
fsr-3458	298	10	0 1 0	DATE
fsr-3458	298	11	1	CARDINAL
fsr-3458	298	12	7 $ 3	MONEY
fsr-3458	298	13	2 8 6	DATE
fsr-3458	298	14	2	MONEY
fsr-3458	298	15	4	CARDINAL
fsr-3458	298	16	8	MONEY
fsr-3458	298	17	3	CARDINAL
fsr-3458	298	18	9 5 $ 5	MONEY
fsr-3458	298	19	5	CARDINAL
fsr-3458	298	20	0	CARDINAL
fsr-3458	298	21	0 $ 4	MONEY
fsr-3458	298	22	1 3 1	DATE
fsr-3458	298	23	3	CARDINAL
fsr-3458	299	1	ea	CARDINAL
fsr-3458	300	1	n et w o rt h (n w	ORG
fsr-3458	302	1	li	PERSON
fsr-3458	302	2	st ru ct u	LOC
fsr-3458	304	1	o	DATE
fsr-3458	304	2	w	PERSON
fsr-3458	304	3	ed fe e.	PERSON
fsr-3458	306	1	29	CARDINAL
fsr-3458	306	2	2021	CARDINAL
fsr-3458	306	3	227–245	CARDINAL
fsr-3458	308	1	aum	ORG
fsr-3458	309	1	1	CARDINAL
fsr-3458	309	2	4	DATE
fsr-3458	309	3	7	CARDINAL
fsr-3458	311	1	2, 3,	DATE
fsr-3458	311	2	5	DATE
fsr-3458	311	3	6	DATE
fsr-3458	311	4	8	DATE
fsr-3458	311	5	9	DATE
fsr-3458	313	1	subsequent years	DATE
fsr-3458	313	2	the first year	DATE
fsr-3458	315	1	2, 3,	DATE
fsr-3458	315	2	5	DATE
fsr-3458	315	3	6	DATE
fsr-3458	315	4	8	DATE
fsr-3458	315	5	9	CARDINAL
fsr-3458	315	6	aum	ORG
fsr-3458	315	7	aum	ORG
fsr-3458	315	8	aum	ORG
fsr-3458	315	9	4	CARDINAL
fsr-3458	316	1	aum	ORG
fsr-3458	317	1	year 1	DATE
fsr-3458	317	2	aum	ORG
fsr-3458	318	1	aum	ORG
fsr-3458	320	1	1	CARDINAL
fsr-3458	320	2	4	DATE
fsr-3458	320	3	7	CARDINAL
fsr-3458	321	1	2	CARDINAL
fsr-3458	321	2	years	DATE
fsr-3458	322	1	year 2	DATE
fsr-3458	322	2	50%	PERCENT
fsr-3458	322	3	2	CARDINAL
fsr-3458	324	1	two	CARDINAL
fsr-3458	325	1	aum	ORG
fsr-3458	327	1	4	CARDINAL
fsr-3458	327	2	a lower year	DATE
fsr-3458	327	3	2	CARDINAL
fsr-3458	327	4	1	CARDINAL
fsr-3458	327	5	12	CARDINAL
fsr-3458	327	6	4	CARDINAL
fsr-3458	327	7	13	CARDINAL
fsr-3458	327	8	1	CARDINAL
fsr-3458	327	9	4	DATE
fsr-3458	327	10	7	CARDINAL
fsr-3458	329	1	aum	ORG
fsr-3458	329	2	the end of year 1	DATE
fsr-3458	329	3	240	CARDINAL
fsr-3458	329	4	s. p. fraser	PERSON
fsr-3458	330	1	29	CARDINAL
fsr-3458	330	2	2021	CARDINAL
fsr-3458	330	3	227–245	CARDINAL
fsr-3458	330	4	aum	ORG
fsr-3458	331	1	a.	PERSON
fsr-3458	331	2	year 1	DATE
fsr-3458	331	3	aum	ORG
fsr-3458	332	1	1	CARDINAL
fsr-3458	332	2	12	CARDINAL
fsr-3458	332	3	3	CARDINAL
fsr-3458	335	1	50%	PERCENT
fsr-3458	335	2	year 2	DATE
fsr-3458	336	1	7	CARDINAL
fsr-3458	336	2	aum	ORG
fsr-3458	336	3	14	CARDINAL
fsr-3458	337	1	aum	ORG
fsr-3458	337	2	year 1	DATE
fsr-3458	337	3	year 2	DATE
fsr-3458	337	4	40-year	DATE
fsr-3458	337	5	aum	ORG
fsr-3458	338	1	8)	CARDINAL
fsr-3458	338	2	9	CARDINAL
fsr-3458	339	1	annual	DATE
fsr-3458	340	1	8	CARDINAL
fsr-3458	341	1	one	CARDINAL
fsr-3458	342	1	aum	ORG
fsr-3458	342	2	two	CARDINAL
fsr-3458	344	1	4	CARDINAL
fsr-3458	344	2	10,000	CARDINAL
fsr-3458	344	3	2	CARDINAL
fsr-3458	346	1	10	CARDINAL
fsr-3458	347	1	$3.3 million	MONEY
fsr-3458	347	2	$7.1 million	MONEY
fsr-3458	349	1	s. p. fraser	PERSON
fsr-3458	350	1	29	CARDINAL
fsr-3458	350	2	2021	CARDINAL
fsr-3458	350	3	227–245 241	CARDINAL
fsr-3458	350	4	blanchett	PERSON
fsr-3458	350	5	kaplan	GPE
fsr-3458	350	6	2013	DATE
fsr-3458	351	1	year 1	DATE
fsr-3458	353	1	5	CARDINAL
fsr-3458	353	2	aum	ORG
fsr-3458	354	1	aum	ORG
fsr-3458	354	2	today	DATE
fsr-3458	357	1	aum	ORG
fsr-3458	357	2	nicolini 2010	PERSON
fsr-3458	359	1	two	CARDINAL
fsr-3458	360	1	first	ORDINAL
fsr-3458	360	2	2013	DATE
fsr-3458	361	1	secondly	ORDINAL
fsr-3458	361	2	aum	ORG
fsr-3458	362	1	aum	ORG
fsr-3458	365	1	aum	ORG
fsr-3458	365	2	aum	ORG
fsr-3458	367	1	242	CARDINAL
fsr-3458	367	2	s. p. fraser et al	PERSON
fsr-3458	367	3	29	CARDINAL
fsr-3458	367	4	2021	CARDINAL
fsr-3458	367	5	227–245	CARDINAL
fsr-3458	368	1	first	ORDINAL
fsr-3458	370	1	second	ORDINAL
fsr-3458	374	1	aum	ORG
fsr-3458	384	1	two	CARDINAL
fsr-3458	384	2	two	CARDINAL
fsr-3458	385	1	the first year	DATE
fsr-3458	386	1	nine	CARDINAL
fsr-3458	391	1	aum	ORG
fsr-3458	393	1	the nearly 20%	PERCENT
fsr-3458	393	2	cheng	PERSON
fsr-3458	393	3	kalenkoski	PERSON
fsr-3458	393	4	2018	DATE
fsr-3458	395	1	s. p. fraser	PERSON
fsr-3458	396	1	29	CARDINAL
fsr-3458	396	2	2021	CARDINAL
fsr-3458	396	3	227–245	CARDINAL
fsr-3458	396	4	1	CARDINAL
fsr-3458	397	1	2	CARDINAL
fsr-3458	397	2	each year	DATE
fsr-3458	398	1	3	CARDINAL
fsr-3458	398	2	annual	DATE
fsr-3458	398	3	ia	GPE
fsr-3458	399	1	the end of each year	DATE
fsr-3458	401	1	9.95	MONEY
fsr-3458	401	2	2	CARDINAL
fsr-3458	403	1	4	CARDINAL
fsr-3458	403	2	40-year	DATE
fsr-3458	404	1	2020	DATE
fsr-3458	405	1	5	CARDINAL
fsr-3458	407	1	6	CARDINAL
fsr-3458	407	2	zero	CARDINAL
fsr-3458	408	1	bae	ORG
fsr-3458	408	2	s. c., & sandager	PERSON
fsr-3458	408	3	j. p.	PERSON
fsr-3458	408	4	1997	DATE
fsr-3458	410	1	8	CARDINAL
fsr-3458	410	2	9–16	CARDINAL
fsr-3458	411	1	blanchett	PERSON
fsr-3458	411	2	d.	NORP
fsr-3458	411	3	kaplan	GPE
fsr-3458	411	4	2013	DATE
fsr-3458	414	1	1	CARDINAL
fsr-3458	415	1	brenner	PERSON
fsr-3458	415	2	l., & meyll	ORG
fsr-3458	415	3	t.	GPE
fsr-3458	415	4	2020	DATE
fsr-3458	417	1	25	CARDINAL
fsr-3458	417	2	100275–100278	CARDINAL
fsr-3458	418	1	cheng	PERSON
fsr-3458	418	2	2018	DATE
fsr-3458	420	1	46–54	DATE
fsr-3458	421	1	egan	PERSON
fsr-3458	421	2	2019	DATE
fsr-3458	423	1	74	CARDINAL
fsr-3458	423	2	1217–1260	DATE
fsr-3458	424	1	fama	ORG
fsr-3458	424	2	e. f., & french	PERSON
fsr-3458	424	3	k. r.	PERSON
fsr-3458	424	4	2010	DATE
fsr-3458	426	1	65	CARDINAL
fsr-3458	426	2	1915–1947	DATE
fsr-3458	427	1	m. s.	PERSON
fsr-3458	427	2	huston	PERSON
fsr-3458	427	3	s. j., & winchester	PERSON
fsr-3458	427	4	d. d.	NORP
fsr-3458	427	5	2011	DATE
fsr-3458	429	1	22	CARDINAL
fsr-3458	430	1	haslem	ORG
fsr-3458	430	2	j. a.	PERSON
fsr-3458	430	3	2010	DATE
fsr-3458	432	1	19	CARDINAL
fsr-3458	433	1	d.	NORP
fsr-3458	433	2	s.	PERSON
fsr-3458	433	3	schaub	PERSON
fsr-3458	433	4	n., & schmid	ORG
fsr-3458	433	5	2018	DATE
fsr-3458	435	1	31	CARDINAL
fsr-3458	435	2	4447–4492	CARDINAL
fsr-3458	436	1	m. e.	PERSON
fsr-3458	436	2	2013	DATE
fsr-3458	438	1	26	CARDINAL
fsr-3458	438	2	16	CARDINAL
fsr-3458	439	1	m. e.	PERSON
fsr-3458	439	2	2017	CARDINAL
fsr-3458	440	1	k. d.	PERSON
fsr-3458	440	2	s. (2018	ORG
fsr-3458	442	1	27	CARDINAL
fsr-3458	443	1	244	CARDINAL
fsr-3458	443	2	s. p. fraser et al	PERSON
fsr-3458	443	3	29	CARDINAL
fsr-3458	443	4	2021	CARDINAL
fsr-3458	443	5	227–245	CARDINAL
fsr-3458	443	6	s. (2017	ORG
fsr-3458	445	1	journal of financial planning	ORG
fsr-3458	445	2	30	CARDINAL
fsr-3458	445	3	34	DATE
fsr-3458	446	1	2010	DATE
fsr-3458	448	1	19	CARDINAL
fsr-3458	448	2	307–322	CARDINAL
fsr-3458	449	1	opiela	PERSON
fsr-3458	449	2	2006	DATE
fsr-3458	451	1	journal of financial planning	ORG
fsr-3458	451	2	19	CARDINAL
fsr-3458	451	3	24–31	CARDINAL
fsr-3458	452	1	seay	PERSON
fsr-3458	452	2	m. c.	PERSON
fsr-3458	452	3	anderson	PERSON
fsr-3458	452	4	s. g.	PERSON
fsr-3458	452	5	lawson	PERSON
fsr-3458	452	6	d. r.	NORP
fsr-3458	452	7	kim	PERSON
fsr-3458	452	8	k. t.	PERSON
fsr-3458	452	9	2017	CARDINAL
fsr-3458	454	1	30	DATE
fsr-3458	454	2	40–51	DATE
fsr-3458	454	3	sec	ORG
fsr-3458	455	1	2014	DATE
fsr-3458	458	1	164	CARDINAL
fsr-3458	459	1	m. (	PERSON
fsr-3458	459	2	2000	DATE
fsr-3458	460	1	93.6%	PERCENT
fsr-3458	461	1	9	CARDINAL
fsr-3458	461	2	16–20	DATE
fsr-3458	462	1	uhl	PERSON
fsr-3458	462	2	m. w.	PERSON
fsr-3458	462	3	2018	DATE
fsr-3458	464	1	21	CARDINAL
fsr-3458	464	2	44–50	CARDINAL
fsr-3458	465	1	s. p. fraser	PERSON
fsr-3458	466	1	29	CARDINAL
fsr-3458	466	2	2021	CARDINAL
fsr-3458	466	3	227–245 245	CARDINAL