id	sid	tid	token	lemma	pos
fsr-3288	1	1	household	household	NOUN
fsr-3288	1	2	use	use	NOUN
fsr-3288	1	3	of	of	ADP
fsr-3288	1	4	financial	financial	ADJ
fsr-3288	1	5	planners	planner	NOUN
fsr-3288	1	6	:	:	PUNCT
fsr-3288	1	7	measurement	measurement	NOUN
fsr-3288	1	8	considerations	consideration	NOUN
fsr-3288	1	9	for	for	ADP
fsr-3288	1	10	researchers	researcher	NOUN
fsr-3288	1	11	stuart	stuart	PROPN
fsr-3288	1	12	j.	j.	PROPN
fsr-3288	1	13	heckman	heckman	PROPN
fsr-3288	1	14	,	,	PUNCT
fsr-3288	1	15	ph.d	ph.d	PROPN
fsr-3288	1	16	.	.	PROPN
fsr-3288	1	17	,	,	PUNCT
fsr-3288	1	18	cfpa	cfpa	NOUN
fsr-3288	1	19	,	,	PUNCT
fsr-3288	1	20	*	*	PROPN
fsr-3288	1	21	,	,	PUNCT
fsr-3288	1	22	martin	martin	PROPN
fsr-3288	1	23	c.	c.	PROPN
fsr-3288	1	24	seay	seay	PROPN
fsr-3288	1	25	,	,	PUNCT
fsr-3288	1	26	ph.d	ph.d	PROPN
fsr-3288	1	27	.	.	PROPN
fsr-3288	1	28	,	,	PUNCT
fsr-3288	1	29	cfpb	cfpb	NOUN
fsr-3288	1	30	,	,	PUNCT
fsr-3288	1	31	kyoung	kyoung	PROPN
fsr-3288	1	32	tae	tae	PROPN
fsr-3288	1	33	kim	kim	PROPN
fsr-3288	1	34	,	,	PUNCT
fsr-3288	1	35	ph.d.c	ph.d.c	PROPN
fsr-3288	1	36	,	,	PUNCT
fsr-3288	1	37	jodi	jodi	PROPN
fsr-3288	1	38	c.	c.	PROPN
fsr-3288	1	39	letkiewicz	letkiewicz	PROPN
fsr-3288	1	40	,	,	PUNCT
fsr-3288	1	41	ph.d.d	ph.d.d	PROPN
fsr-3288	1	42	aassistant	aassistant	NOUN
fsr-3288	1	43	professor	professor	NOUN
fsr-3288	1	44	of	of	ADP
fsr-3288	1	45	personal	personal	ADJ
fsr-3288	1	46	financial	financial	ADJ
fsr-3288	1	47	planning	planning	NOUN
fsr-3288	1	48	,	,	PUNCT
fsr-3288	1	49	kansas	kansas	PROPN
fsr-3288	1	50	state	state	PROPN
fsr-3288	1	51	university	university	PROPN
fsr-3288	1	52	,	,	PUNCT
fsr-3288	1	53	1324	1324	NUM
fsr-3288	1	54	lovers	lover	NOUN
fsr-3288	1	55	lane	lane	NOUN
fsr-3288	1	56	,	,	PUNCT
fsr-3288	1	57	319	319	NUM
fsr-3288	1	58	justin	justin	PROPN
fsr-3288	1	59	hall	hall	PROPN
fsr-3288	1	60	,	,	PUNCT
fsr-3288	1	61	manhattan	manhattan	PROPN
fsr-3288	1	62	,	,	PUNCT
fsr-3288	1	63	ks	ks	PROPN
fsr-3288	1	64	66505	66505	NUM
fsr-3288	1	65	,	,	PUNCT
fsr-3288	1	66	usa	usa	PROPN
fsr-3288	1	67	bassistant	bassistant	PROPN
fsr-3288	1	68	professor	professor	NOUN
fsr-3288	1	69	of	of	ADP
fsr-3288	1	70	personal	personal	ADJ
fsr-3288	1	71	financial	financial	ADJ
fsr-3288	1	72	planning	planning	NOUN
fsr-3288	1	73	,	,	PUNCT
fsr-3288	1	74	kansas	kansas	PROPN
fsr-3288	1	75	state	state	PROPN
fsr-3288	1	76	university	university	PROPN
fsr-3288	1	77	,	,	PUNCT
fsr-3288	1	78	1324	1324	NUM
fsr-3288	1	79	lovers	lover	NOUN
fsr-3288	1	80	lane	lane	NOUN
fsr-3288	1	81	,	,	PUNCT
fsr-3288	1	82	318	318	NUM
fsr-3288	1	83	justin	justin	PROPN
fsr-3288	1	84	hall	hall	PROPN
fsr-3288	1	85	,	,	PUNCT
fsr-3288	1	86	manhattan	manhattan	PROPN
fsr-3288	1	87	,	,	PUNCT
fsr-3288	1	88	ks	ks	PROPN
fsr-3288	1	89	66505	66505	NUM
fsr-3288	1	90	,	,	PUNCT
fsr-3288	1	91	usa	usa	PROPN
fsr-3288	1	92	cassistant	cassistant	PROPN
fsr-3288	1	93	professor	professor	PROPN
fsr-3288	1	94	,	,	PUNCT
fsr-3288	1	95	department	department	NOUN
fsr-3288	1	96	of	of	ADP
fsr-3288	1	97	consumer	consumer	NOUN
fsr-3288	1	98	sciences	sciences	PROPN
fsr-3288	1	99	,	,	PUNCT
fsr-3288	1	100	university	university	NOUN
fsr-3288	1	101	of	of	ADP
fsr-3288	1	102	alabama	alabama	PROPN
fsr-3288	1	103	,	,	PUNCT
fsr-3288	1	104	312	312	NUM
fsr-3288	1	105	adams	adams	PROPN
fsr-3288	1	106	hall	hall	PROPN
fsr-3288	1	107	,	,	PUNCT
fsr-3288	1	108	tuscaloosa	tuscaloosa	PROPN
fsr-3288	1	109	,	,	PUNCT
fsr-3288	1	110	al	al	PROPN
fsr-3288	1	111	35487	35487	NUM
fsr-3288	1	112	,	,	PUNCT
fsr-3288	1	113	usa	usa	PROPN
fsr-3288	1	114	dassistant	dassistant	PROPN
fsr-3288	1	115	professor	professor	NOUN
fsr-3288	1	116	,	,	PUNCT
fsr-3288	1	117	school	school	NOUN
fsr-3288	1	118	of	of	ADP
fsr-3288	1	119	administrative	administrative	ADJ
fsr-3288	1	120	studies	study	NOUN
fsr-3288	1	121	,	,	PUNCT
fsr-3288	1	122	4700	4700	NUM
fsr-3288	1	123	keele	keele	PROPN
fsr-3288	1	124	street	street	PROPN
fsr-3288	1	125	,	,	PUNCT
fsr-3288	1	126	282	282	NUM
fsr-3288	1	127	atkinson	atkinson	PROPN
fsr-3288	1	128	,	,	PUNCT
fsr-3288	1	129	york	york	PROPN
fsr-3288	1	130	university	university	PROPN
fsr-3288	1	131	,	,	PUNCT
fsr-3288	1	132	toronto	toronto	PROPN
fsr-3288	1	133	,	,	PUNCT
fsr-3288	1	134	on	on	ADP
fsr-3288	1	135	m3j	m3j	PROPN
fsr-3288	1	136	1p3	1p3	NUM
fsr-3288	1	137	,	,	PUNCT
fsr-3288	1	138	canada	canada	PROPN
fsr-3288	1	139	abstract	abstract	NOUN
fsr-3288	1	140	using	use	VERB
fsr-3288	1	141	the	the	DET
fsr-3288	1	142	certified	certify	VERB
fsr-3288	1	143	financial	financial	ADJ
fsr-3288	1	144	planner	planner	NOUN
fsr-3288	1	145	(	(	PUNCT
fsr-3288	1	146	cfp	cfp	PROPN
fsr-3288	1	147	)	)	PUNCT
fsr-3288	1	148	board	board	NOUN
fsr-3288	1	149	’s	’s	PART
fsr-3288	1	150	definition	definition	NOUN
fsr-3288	1	151	of	of	ADP
fsr-3288	1	152	financial	financial	ADJ
fsr-3288	1	153	planning	planning	NOUN
fsr-3288	1	154	,	,	PUNCT
fsr-3288	1	155	this	this	DET
fsr-3288	1	156	article	article	NOUN
fsr-3288	1	157	evaluates	evaluate	VERB
fsr-3288	1	158	the	the	DET
fsr-3288	1	159	validity	validity	NOUN
fsr-3288	1	160	of	of	ADP
fsr-3288	1	161	the	the	DET
fsr-3288	1	162	measures	measure	NOUN
fsr-3288	1	163	of	of	ADP
fsr-3288	1	164	financial	financial	ADJ
fsr-3288	1	165	planner	planner	NOUN
fsr-3288	1	166	use	use	NOUN
fsr-3288	1	167	in	in	ADP
fsr-3288	1	168	publicly	publicly	ADV
fsr-3288	1	169	available	available	ADJ
fsr-3288	1	170	datasets	dataset	NOUN
fsr-3288	1	171	.	.	PUNCT
fsr-3288	2	1	a	a	DET
fsr-3288	2	2	review	review	NOUN
fsr-3288	2	3	of	of	ADP
fsr-3288	2	4	financial	financial	ADJ
fsr-3288	2	5	services	service	NOUN
fsr-3288	2	6	review	review	NOUN
fsr-3288	2	7	,	,	PUNCT
fsr-3288	2	8	journal	journal	NOUN
fsr-3288	2	9	of	of	ADP
fsr-3288	2	10	personal	personal	ADJ
fsr-3288	2	11	finance	finance	NOUN
fsr-3288	2	12	,	,	PUNCT
fsr-3288	2	13	journal	journal	NOUN
fsr-3288	2	14	of	of	ADP
fsr-3288	2	15	financial	financial	ADJ
fsr-3288	2	16	planning	planning	NOUN
fsr-3288	2	17	,	,	PUNCT
fsr-3288	2	18	journal	journal	NOUN
fsr-3288	2	19	of	of	ADP
fsr-3288	2	20	family	family	NOUN
fsr-3288	2	21	and	and	CCONJ
fsr-3288	2	22	economic	economic	ADJ
fsr-3288	2	23	issues	issue	NOUN
fsr-3288	2	24	,	,	PUNCT
fsr-3288	2	25	journal	journal	NOUN
fsr-3288	2	26	of	of	ADP
fsr-3288	2	27	consumer	consumer	NOUN
fsr-3288	2	28	affairs	affair	NOUN
fsr-3288	2	29	,	,	PUNCT
fsr-3288	2	30	and	and	CCONJ
fsr-3288	2	31	journal	journal	NOUN
fsr-3288	2	32	of	of	ADP
fsr-3288	2	33	financial	financial	ADJ
fsr-3288	2	34	counseling	counseling	NOUN
fsr-3288	2	35	and	and	CCONJ
fsr-3288	2	36	planning	planning	NOUN
fsr-3288	2	37	identified	identify	VERB
fsr-3288	2	38	seven	seven	NUM
fsr-3288	2	39	datasets	dataset	NOUN
fsr-3288	2	40	that	that	PRON
fsr-3288	2	41	were	be	AUX
fsr-3288	2	42	commonly	commonly	ADV
fsr-3288	2	43	used	use	VERB
fsr-3288	2	44	to	to	PART
fsr-3288	2	45	investigate	investigate	VERB
fsr-3288	2	46	financial	financial	ADJ
fsr-3288	2	47	planner	planner	NOUN
fsr-3288	2	48	use	use	NOUN
fsr-3288	2	49	.	.	PUNCT
fsr-3288	3	1	of	of	ADP
fsr-3288	3	2	these	these	PRON
fsr-3288	3	3	,	,	PUNCT
fsr-3288	3	4	the	the	DET
fsr-3288	3	5	two	two	NUM
fsr-3288	3	6	most	most	ADV
fsr-3288	3	7	promising	promising	ADJ
fsr-3288	3	8	measures	measure	NOUN
fsr-3288	3	9	were	be	AUX
fsr-3288	3	10	found	find	VERB
fsr-3288	3	11	in	in	ADP
fsr-3288	3	12	the	the	DET
fsr-3288	3	13	survey	survey	NOUN
fsr-3288	3	14	of	of	ADP
fsr-3288	3	15	consumer	consumer	NOUN
fsr-3288	3	16	finances	finance	NOUN
fsr-3288	3	17	and	and	CCONJ
fsr-3288	3	18	the	the	DET
fsr-3288	3	19	national	national	ADJ
fsr-3288	3	20	longitudinal	longitudinal	ADJ
fsr-3288	3	21	study	study	NOUN
fsr-3288	3	22	of	of	ADP
fsr-3288	3	23	youth	youth	NOUN
fsr-3288	3	24	(	(	PUNCT
fsr-3288	3	25	1979	1979	NUM
fsr-3288	3	26	)	)	PUNCT
fsr-3288	3	27	.	.	PUNCT
fsr-3288	4	1	however	however	ADV
fsr-3288	4	2	,	,	PUNCT
fsr-3288	4	3	an	an	DET
fsr-3288	4	4	evaluation	evaluation	NOUN
fsr-3288	4	5	of	of	ADP
fsr-3288	4	6	these	these	DET
fsr-3288	4	7	measures	measure	NOUN
fsr-3288	4	8	raises	raise	VERB
fsr-3288	4	9	significant	significant	ADJ
fsr-3288	4	10	concerns	concern	NOUN
fsr-3288	4	11	related	relate	VERB
fsr-3288	4	12	to	to	ADP
fsr-3288	4	13	their	their	PRON
fsr-3288	4	14	validity	validity	NOUN
fsr-3288	4	15	.	.	PUNCT
fsr-3288	5	1	this	this	DET
fsr-3288	5	2	article	article	NOUN
fsr-3288	5	3	critically	critically	ADV
fsr-3288	5	4	evaluates	evaluate	VERB
fsr-3288	5	5	these	these	DET
fsr-3288	5	6	measures	measure	NOUN
fsr-3288	5	7	and	and	CCONJ
fsr-3288	5	8	provides	provide	VERB
fsr-3288	5	9	insights	insight	NOUN
fsr-3288	5	10	into	into	ADP
fsr-3288	5	11	the	the	DET
fsr-3288	5	12	development	development	NOUN
fsr-3288	5	13	of	of	ADP
fsr-3288	5	14	better	well	ADJ
fsr-3288	5	15	measures	measure	NOUN
fsr-3288	5	16	of	of	ADP
fsr-3288	5	17	financial	financial	ADJ
fsr-3288	5	18	planner	planner	NOUN
fsr-3288	5	19	use	use	NOUN
fsr-3288	5	20	for	for	ADP
fsr-3288	5	21	the	the	DET
fsr-3288	5	22	future	future	NOUN
fsr-3288	5	23	.	.	PUNCT
fsr-3288	6	1	©	©	PROPN
fsr-3288	6	2	2016	2016	NUM
fsr-3288	6	3	academy	academy	NOUN
fsr-3288	6	4	of	of	ADP
fsr-3288	6	5	financial	financial	ADJ
fsr-3288	6	6	services	service	NOUN
fsr-3288	6	7	.	.	PUNCT
fsr-3288	7	1	all	all	DET
fsr-3288	7	2	rights	right	NOUN
fsr-3288	7	3	reserved	reserve	VERB
fsr-3288	7	4	.	.	PUNCT
fsr-3288	8	1	jel	jel	PROPN
fsr-3288	8	2	classification	classification	NOUN
fsr-3288	8	3	:	:	PUNCT
fsr-3288	8	4	c81	c81	ADJ
fsr-3288	8	5	;	;	PUNCT
fsr-3288	8	6	d14	d14	NOUN
fsr-3288	8	7	;	;	PUNCT
fsr-3288	8	8	g20	g20	NOUN
fsr-3288	8	9	keywords	keyword	NOUN
fsr-3288	8	10	:	:	PUNCT
fsr-3288	8	11	financial	financial	ADJ
fsr-3288	8	12	planner	planner	NOUN
fsr-3288	8	13	use	use	NOUN
fsr-3288	8	14	;	;	PUNCT
fsr-3288	8	15	financial	financial	ADJ
fsr-3288	8	16	advice	advice	NOUN
fsr-3288	8	17	;	;	PUNCT
fsr-3288	8	18	measurement	measurement	NOUN
fsr-3288	8	19	*	*	PUNCT
fsr-3288	8	20	corresponding	correspond	VERB
fsr-3288	8	21	author	author	NOUN
fsr-3288	8	22	.	.	PUNCT
fsr-3288	9	1	tel	tel	PROPN
fsr-3288	9	2	.	.	PUNCT
fsr-3288	9	3	:	:	PUNCT
fsr-3288	10	1	�	�	PROPN
fsr-3288	10	2	1	1	NUM
fsr-3288	10	3	-	-	SYM
fsr-3288	10	4	785	785	NUM
fsr-3288	10	5	-	-	PUNCT
fsr-3288	10	6	532	532	NUM
fsr-3288	10	7	-	-	NUM
fsr-3288	10	8	1371	1371	NUM
fsr-3288	10	9	;	;	PUNCT
fsr-3288	10	10	fax	fax	NOUN
fsr-3288	10	11	:	:	PUNCT
fsr-3288	10	12	�	�	PROPN
fsr-3288	10	13	1	1	NUM
fsr-3288	10	14	-	-	SYM
fsr-3288	10	15	785	785	NUM
fsr-3288	10	16	-	-	PUNCT
fsr-3288	10	17	532	532	NUM
fsr-3288	10	18	-	-	SYM
fsr-3288	10	19	5505	5505	NUM
fsr-3288	10	20	.	.	PUNCT
fsr-3288	11	1	e	e	X
fsr-3288	11	2	-	-	NOUN
fsr-3288	11	3	mail	mail	NOUN
fsr-3288	11	4	address	address	NOUN
fsr-3288	11	5	:	:	PUNCT
fsr-3288	11	6	sheckman@ksu.edu	sheckman@ksu.edu	PROPN
fsr-3288	11	7	(	(	PUNCT
fsr-3288	11	8	s.	s.	PROPN
fsr-3288	11	9	j.	j.	PROPN
fsr-3288	11	10	heckman	heckman	PROPN
fsr-3288	11	11	)	)	PUNCT
fsr-3288	11	12	financial	financial	PROPN
fsr-3288	11	13	services	service	NOUN
fsr-3288	11	14	review	review	VERB
fsr-3288	11	15	25	25	NUM
fsr-3288	11	16	(	(	PUNCT
fsr-3288	11	17	2016	2016	NUM
fsr-3288	11	18	)	)	PUNCT
fsr-3288	11	19	427–446	427–446	NUM
fsr-3288	11	20	1057	1057	NUM
fsr-3288	11	21	-	-	SYM
fsr-3288	11	22	0810/16/$	0810/16/$	ADV
fsr-3288	11	23	–	–	PUNCT
fsr-3288	11	24	see	see	VERB
fsr-3288	11	25	front	front	ADJ
fsr-3288	11	26	matter	matter	NOUN
fsr-3288	11	27	©	©	PROPN
fsr-3288	11	28	2016	2016	NUM
fsr-3288	11	29	academy	academy	NOUN
fsr-3288	11	30	of	of	ADP
fsr-3288	11	31	financial	financial	ADJ
fsr-3288	11	32	services	service	NOUN
fsr-3288	11	33	.	.	PUNCT
fsr-3288	12	1	all	all	DET
fsr-3288	12	2	rights	right	NOUN
fsr-3288	12	3	reserved	reserve	VERB
fsr-3288	12	4	.	.	PUNCT
fsr-3288	13	1	1	1	X
fsr-3288	13	2	.	.	X
fsr-3288	13	3	introduction	introduction	NOUN
fsr-3288	13	4	as	as	ADP
fsr-3288	13	5	an	an	DET
fsr-3288	13	6	academic	academic	ADJ
fsr-3288	13	7	discipline	discipline	NOUN
fsr-3288	13	8	,	,	PUNCT
fsr-3288	13	9	personal	personal	ADJ
fsr-3288	13	10	financial	financial	ADJ
fsr-3288	13	11	planning	planning	NOUN
fsr-3288	13	12	is	be	AUX
fsr-3288	13	13	still	still	ADV
fsr-3288	13	14	relatively	relatively	ADV
fsr-3288	13	15	new	new	ADJ
fsr-3288	13	16	.	.	PUNCT
fsr-3288	14	1	the	the	DET
fsr-3288	14	2	first	first	ADJ
fsr-3288	14	3	doctoral	doctoral	ADJ
fsr-3288	14	4	program	program	NOUN
fsr-3288	14	5	in	in	ADP
fsr-3288	14	6	personal	personal	ADJ
fsr-3288	14	7	financial	financial	ADJ
fsr-3288	14	8	planning	planning	NOUN
fsr-3288	14	9	was	be	AUX
fsr-3288	14	10	established	establish	VERB
fsr-3288	14	11	at	at	ADP
fsr-3288	14	12	texas	texas	PROPN
fsr-3288	14	13	tech	tech	PROPN
fsr-3288	14	14	university	university	PROPN
fsr-3288	14	15	in	in	ADP
fsr-3288	14	16	2000	2000	NUM
fsr-3288	14	17	(	(	PUNCT
fsr-3288	14	18	brandon	brandon	PROPN
fsr-3288	14	19	and	and	CCONJ
fsr-3288	14	20	welch	welch	PROPN
fsr-3288	14	21	,	,	PUNCT
fsr-3288	14	22	2009)—a	2009)—a	NUM
fsr-3288	14	23	mere	mere	ADJ
fsr-3288	14	24	16	16	NUM
fsr-3288	14	25	years	year	NOUN
fsr-3288	14	26	ago	ago	ADV
fsr-3288	14	27	.	.	PUNCT
fsr-3288	15	1	although	although	SCONJ
fsr-3288	15	2	researchers	researcher	NOUN
fsr-3288	15	3	have	have	AUX
fsr-3288	15	4	been	be	AUX
fsr-3288	15	5	investigating	investigate	VERB
fsr-3288	15	6	issues	issue	NOUN
fsr-3288	15	7	related	relate	VERB
fsr-3288	15	8	to	to	ADP
fsr-3288	15	9	personal	personal	ADJ
fsr-3288	15	10	financial	financial	ADJ
fsr-3288	15	11	planning	planning	NOUN
fsr-3288	15	12	for	for	ADP
fsr-3288	15	13	some	some	DET
fsr-3288	15	14	time	time	NOUN
fsr-3288	15	15	,	,	PUNCT
fsr-3288	15	16	the	the	DET
fsr-3288	15	17	development	development	NOUN
fsr-3288	15	18	of	of	ADP
fsr-3288	15	19	a	a	DET
fsr-3288	15	20	dedicated	dedicated	ADJ
fsr-3288	15	21	doctoral	doctoral	ADJ
fsr-3288	15	22	program	program	NOUN
fsr-3288	15	23	is	be	AUX
fsr-3288	15	24	indicative	indicative	ADJ
fsr-3288	15	25	of	of	ADP
fsr-3288	15	26	the	the	DET
fsr-3288	15	27	developmental	developmental	ADJ
fsr-3288	15	28	stage	stage	NOUN
fsr-3288	15	29	of	of	ADP
fsr-3288	15	30	the	the	DET
fsr-3288	15	31	field	field	NOUN
fsr-3288	15	32	.	.	PUNCT
fsr-3288	16	1	since	since	SCONJ
fsr-3288	16	2	the	the	DET
fsr-3288	16	3	first	first	ADJ
fsr-3288	16	4	program	program	NOUN
fsr-3288	16	5	at	at	ADP
fsr-3288	16	6	texas	texas	PROPN
fsr-3288	16	7	tech	tech	PROPN
fsr-3288	16	8	,	,	PUNCT
fsr-3288	16	9	three	three	NUM
fsr-3288	16	10	additional	additional	ADJ
fsr-3288	16	11	universities	university	NOUN
fsr-3288	16	12	(	(	PUNCT
fsr-3288	16	13	kansas	kansas	PROPN
fsr-3288	16	14	state	state	PROPN
fsr-3288	16	15	university	university	PROPN
fsr-3288	16	16	,	,	PUNCT
fsr-3288	16	17	university	university	PROPN
fsr-3288	16	18	of	of	ADP
fsr-3288	16	19	georgia	georgia	PROPN
fsr-3288	16	20	,	,	PUNCT
fsr-3288	16	21	and	and	CCONJ
fsr-3288	16	22	university	university	PROPN
fsr-3288	16	23	of	of	ADP
fsr-3288	16	24	missouri	missouri	PROPN
fsr-3288	16	25	)	)	PUNCT
fsr-3288	16	26	have	have	AUX
fsr-3288	16	27	established	establish	VERB
fsr-3288	16	28	certified	certify	VERB
fsr-3288	16	29	financial	financial	ADJ
fsr-3288	16	30	planner	planner	NOUN
fsr-3288	16	31	(	(	PUNCT
fsr-3288	16	32	cfp	cfp	PROPN
fsr-3288	16	33	)	)	PUNCT
fsr-3288	16	34	board	board	NOUN
fsr-3288	16	35	registered	register	VERB
fsr-3288	16	36	doctoral	doctoral	ADJ
fsr-3288	16	37	programs	program	NOUN
fsr-3288	16	38	that	that	PRON
fsr-3288	16	39	have	have	AUX
fsr-3288	16	40	led	lead	VERB
fsr-3288	16	41	to	to	ADP
fsr-3288	16	42	a	a	DET
fsr-3288	16	43	growth	growth	NOUN
fsr-3288	16	44	in	in	ADP
fsr-3288	16	45	the	the	DET
fsr-3288	16	46	number	number	NOUN
fsr-3288	16	47	of	of	ADP
fsr-3288	16	48	financial	financial	ADJ
fsr-3288	16	49	planning	planning	NOUN
fsr-3288	16	50	researchers	researcher	NOUN
fsr-3288	16	51	and	and	CCONJ
fsr-3288	16	52	a	a	DET
fsr-3288	16	53	corresponding	corresponding	ADJ
fsr-3288	16	54	increase	increase	NOUN
fsr-3288	16	55	in	in	ADP
fsr-3288	16	56	the	the	DET
fsr-3288	16	57	scientific	scientific	ADJ
fsr-3288	16	58	knowledge	knowledge	NOUN
fsr-3288	16	59	base	base	NOUN
fsr-3288	16	60	.	.	PUNCT
fsr-3288	17	1	however	however	ADV
fsr-3288	17	2	,	,	PUNCT
fsr-3288	17	3	as	as	ADP
fsr-3288	17	4	in	in	ADP
fsr-3288	17	5	any	any	DET
fsr-3288	17	6	field	field	NOUN
fsr-3288	17	7	of	of	ADP
fsr-3288	17	8	knowledge	knowledge	NOUN
fsr-3288	17	9	,	,	PUNCT
fsr-3288	17	10	scientific	scientific	ADJ
fsr-3288	17	11	advancement	advancement	NOUN
fsr-3288	17	12	is	be	AUX
fsr-3288	17	13	dependent	dependent	ADJ
fsr-3288	17	14	upon	upon	SCONJ
fsr-3288	17	15	proper	proper	ADJ
fsr-3288	17	16	measurement	measurement	NOUN
fsr-3288	17	17	of	of	ADP
fsr-3288	17	18	the	the	DET
fsr-3288	17	19	relevant	relevant	ADJ
fsr-3288	17	20	objects	object	NOUN
fsr-3288	17	21	or	or	CCONJ
fsr-3288	17	22	concepts	concept	NOUN
fsr-3288	17	23	.	.	PUNCT
fsr-3288	18	1	in	in	ADP
fsr-3288	18	2	personal	personal	ADJ
fsr-3288	18	3	financial	financial	ADJ
fsr-3288	18	4	planning	planning	NOUN
fsr-3288	18	5	,	,	PUNCT
fsr-3288	18	6	an	an	DET
fsr-3288	18	7	important	important	ADJ
fsr-3288	18	8	research	research	NOUN
fsr-3288	18	9	objective	objective	NOUN
fsr-3288	18	10	is	be	AUX
fsr-3288	18	11	to	to	PART
fsr-3288	18	12	determine	determine	VERB
fsr-3288	18	13	the	the	DET
fsr-3288	18	14	effect	effect	NOUN
fsr-3288	18	15	of	of	ADP
fsr-3288	18	16	financial	financial	ADJ
fsr-3288	18	17	planner	planner	NOUN
fsr-3288	18	18	use	use	NOUN
fsr-3288	18	19	on	on	ADP
fsr-3288	18	20	household	household	NOUN
fsr-3288	18	21	well	well	ADV
fsr-3288	18	22	-	-	PUNCT
fsr-3288	18	23	being.1	being.1	NOUN
fsr-3288	18	24	to	to	PART
fsr-3288	18	25	properly	properly	ADV
fsr-3288	18	26	investigate	investigate	VERB
fsr-3288	18	27	this	this	DET
fsr-3288	18	28	relationship	relationship	NOUN
fsr-3288	18	29	,	,	PUNCT
fsr-3288	18	30	it	it	PRON
fsr-3288	18	31	is	be	AUX
fsr-3288	18	32	necessary	necessary	ADJ
fsr-3288	18	33	to	to	PART
fsr-3288	18	34	determine	determine	VERB
fsr-3288	18	35	whether	whether	SCONJ
fsr-3288	18	36	or	or	CCONJ
fsr-3288	18	37	not	not	PART
fsr-3288	18	38	a	a	DET
fsr-3288	18	39	household	household	NOUN
fsr-3288	18	40	receives	receive	VERB
fsr-3288	18	41	financial	financial	ADJ
fsr-3288	18	42	planning	planning	NOUN
fsr-3288	18	43	advice	advice	NOUN
fsr-3288	18	44	.	.	PUNCT
fsr-3288	19	1	at	at	ADP
fsr-3288	19	2	first	first	ADJ
fsr-3288	19	3	glance	glance	NOUN
fsr-3288	19	4	,	,	PUNCT
fsr-3288	19	5	this	this	PRON
fsr-3288	19	6	may	may	AUX
fsr-3288	19	7	seem	seem	VERB
fsr-3288	19	8	simple	simple	ADJ
fsr-3288	19	9	.	.	PUNCT
fsr-3288	20	1	however	however	ADV
fsr-3288	20	2	,	,	PUNCT
fsr-3288	20	3	a	a	DET
fsr-3288	20	4	careful	careful	ADJ
fsr-3288	20	5	assessment	assessment	NOUN
fsr-3288	20	6	of	of	ADP
fsr-3288	20	7	publically	publically	ADV
fsr-3288	20	8	available	available	ADJ
fsr-3288	20	9	datasets	dataset	NOUN
fsr-3288	20	10	indicates	indicate	VERB
fsr-3288	20	11	that	that	SCONJ
fsr-3288	20	12	this	this	DET
fsr-3288	20	13	measurement	measurement	NOUN
fsr-3288	20	14	is	be	AUX
fsr-3288	20	15	not	not	PART
fsr-3288	20	16	straightforward	straightforward	ADJ
fsr-3288	20	17	.	.	PUNCT
fsr-3288	21	1	the	the	DET
fsr-3288	21	2	objective	objective	NOUN
fsr-3288	21	3	of	of	ADP
fsr-3288	21	4	this	this	DET
fsr-3288	21	5	study	study	NOUN
fsr-3288	21	6	is	be	AUX
fsr-3288	21	7	to	to	PART
fsr-3288	21	8	promote	promote	VERB
fsr-3288	21	9	increased	increased	ADJ
fsr-3288	21	10	rigor	rigor	NOUN
fsr-3288	21	11	in	in	ADP
fsr-3288	21	12	the	the	DET
fsr-3288	21	13	field	field	NOUN
fsr-3288	21	14	of	of	ADP
fsr-3288	21	15	personal	personal	ADJ
fsr-3288	21	16	financial	financial	ADJ
fsr-3288	21	17	planning	planning	NOUN
fsr-3288	21	18	research	research	NOUN
fsr-3288	21	19	by	by	ADP
fsr-3288	21	20	examining	examine	VERB
fsr-3288	21	21	the	the	DET
fsr-3288	21	22	important	important	ADJ
fsr-3288	21	23	issue	issue	NOUN
fsr-3288	21	24	of	of	ADP
fsr-3288	21	25	measurement	measurement	NOUN
fsr-3288	21	26	as	as	SCONJ
fsr-3288	21	27	it	it	PRON
fsr-3288	21	28	relates	relate	VERB
fsr-3288	21	29	to	to	ADP
fsr-3288	21	30	household	household	NOUN
fsr-3288	21	31	use	use	NOUN
fsr-3288	21	32	of	of	ADP
fsr-3288	21	33	financial	financial	ADJ
fsr-3288	21	34	planners	planner	NOUN
fsr-3288	21	35	.	.	PUNCT
fsr-3288	22	1	specifically	specifically	ADV
fsr-3288	22	2	,	,	PUNCT
fsr-3288	22	3	we	we	PRON
fsr-3288	22	4	analyze	analyze	VERB
fsr-3288	22	5	the	the	DET
fsr-3288	22	6	validity	validity	NOUN
fsr-3288	22	7	of	of	ADP
fsr-3288	22	8	available	available	ADJ
fsr-3288	22	9	measures	measure	NOUN
fsr-3288	22	10	of	of	ADP
fsr-3288	22	11	household	household	NOUN
fsr-3288	22	12	financial	financial	ADJ
fsr-3288	22	13	planner	planner	NOUN
fsr-3288	22	14	use	use	NOUN
fsr-3288	22	15	in	in	ADP
fsr-3288	22	16	publicly	publicly	ADV
fsr-3288	22	17	available	available	ADJ
fsr-3288	22	18	datasets	dataset	NOUN
fsr-3288	22	19	and	and	CCONJ
fsr-3288	22	20	provide	provide	VERB
fsr-3288	22	21	recommendations	recommendation	NOUN
fsr-3288	22	22	for	for	ADP
fsr-3288	22	23	the	the	DET
fsr-3288	22	24	development	development	NOUN
fsr-3288	22	25	of	of	ADP
fsr-3288	22	26	new	new	ADJ
fsr-3288	22	27	measures	measure	NOUN
fsr-3288	22	28	of	of	ADP
fsr-3288	22	29	financial	financial	ADJ
fsr-3288	22	30	planner	planner	NOUN
fsr-3288	22	31	use	use	NOUN
fsr-3288	22	32	.	.	PUNCT
fsr-3288	23	1	2	2	X
fsr-3288	23	2	.	.	X
fsr-3288	23	3	measurement	measurement	NOUN
fsr-3288	23	4	although	although	SCONJ
fsr-3288	23	5	measurement	measurement	NOUN
fsr-3288	23	6	has	have	AUX
fsr-3288	23	7	been	be	AUX
fsr-3288	23	8	defined	define	VERB
fsr-3288	23	9	in	in	ADP
fsr-3288	23	10	a	a	DET
fsr-3288	23	11	variety	variety	NOUN
fsr-3288	23	12	of	of	ADP
fsr-3288	23	13	ways	way	NOUN
fsr-3288	23	14	,	,	PUNCT
fsr-3288	23	15	two	two	NUM
fsr-3288	23	16	definitions	definition	NOUN
fsr-3288	23	17	are	be	AUX
fsr-3288	23	18	especially	especially	ADV
fsr-3288	23	19	important	important	ADJ
fsr-3288	23	20	to	to	ADP
fsr-3288	23	21	the	the	DET
fsr-3288	23	22	current	current	ADJ
fsr-3288	23	23	study	study	NOUN
fsr-3288	23	24	.	.	PUNCT
fsr-3288	24	1	stevens	stevens	PROPN
fsr-3288	24	2	(	(	PUNCT
fsr-3288	24	3	1951	1951	NUM
fsr-3288	24	4	)	)	PUNCT
fsr-3288	24	5	defines	define	VERB
fsr-3288	24	6	measurement	measurement	NOUN
fsr-3288	24	7	as	as	ADP
fsr-3288	24	8	“	"	PUNCT
fsr-3288	24	9	the	the	DET
fsr-3288	24	10	assignment	assignment	NOUN
fsr-3288	24	11	of	of	ADP
fsr-3288	24	12	numbers	number	NOUN
fsr-3288	24	13	to	to	PART
fsr-3288	24	14	objects	object	NOUN
fsr-3288	24	15	or	or	CCONJ
fsr-3288	24	16	events	event	NOUN
fsr-3288	24	17	according	accord	VERB
fsr-3288	24	18	to	to	ADP
fsr-3288	24	19	rules	rule	NOUN
fsr-3288	24	20	”	"	PUNCT
fsr-3288	24	21	(	(	PUNCT
fsr-3288	24	22	p.	p.	NOUN
fsr-3288	24	23	22	22	NUM
fsr-3288	24	24	)	)	PUNCT
fsr-3288	24	25	.	.	PUNCT
fsr-3288	25	1	while	while	SCONJ
fsr-3288	25	2	this	this	DET
fsr-3288	25	3	definition	definition	NOUN
fsr-3288	25	4	is	be	AUX
fsr-3288	25	5	quite	quite	ADV
fsr-3288	25	6	good	good	ADJ
fsr-3288	25	7	for	for	ADP
fsr-3288	25	8	the	the	DET
fsr-3288	25	9	natural	natural	ADJ
fsr-3288	25	10	sciences	science	NOUN
fsr-3288	25	11	,	,	PUNCT
fsr-3288	25	12	it	it	PRON
fsr-3288	25	13	may	may	AUX
fsr-3288	25	14	be	be	AUX
fsr-3288	25	15	limited	limit	VERB
fsr-3288	25	16	in	in	ADP
fsr-3288	25	17	social	social	ADJ
fsr-3288	25	18	science	science	NOUN
fsr-3288	25	19	applications	application	NOUN
fsr-3288	25	20	in	in	ADP
fsr-3288	25	21	which	which	PRON
fsr-3288	25	22	abstract	abstract	ADJ
fsr-3288	25	23	concepts	concept	NOUN
fsr-3288	25	24	are	be	AUX
fsr-3288	25	25	more	more	ADV
fsr-3288	25	26	often	often	ADV
fsr-3288	25	27	the	the	DET
fsr-3288	25	28	subject	subject	NOUN
fsr-3288	25	29	of	of	ADP
fsr-3288	25	30	investigation	investigation	NOUN
fsr-3288	25	31	(	(	PUNCT
fsr-3288	25	32	rather	rather	ADV
fsr-3288	25	33	than	than	ADP
fsr-3288	25	34	objects	object	NOUN
fsr-3288	25	35	)	)	PUNCT
fsr-3288	25	36	(	(	PUNCT
fsr-3288	25	37	carmines	carmine	NOUN
fsr-3288	25	38	and	and	CCONJ
fsr-3288	25	39	zeller	zeller	NOUN
fsr-3288	25	40	,	,	PUNCT
fsr-3288	25	41	1979	1979	NUM
fsr-3288	25	42	)	)	PUNCT
fsr-3288	25	43	.	.	PUNCT
fsr-3288	26	1	zeller	zeller	PROPN
fsr-3288	26	2	and	and	CCONJ
fsr-3288	26	3	carmines	carmines	PROPN
fsr-3288	26	4	(	(	PUNCT
fsr-3288	26	5	1980	1980	NUM
fsr-3288	26	6	)	)	PUNCT
fsr-3288	26	7	define	define	VERB
fsr-3288	26	8	measurement	measurement	NOUN
fsr-3288	26	9	as	as	ADP
fsr-3288	26	10	“	"	PUNCT
fsr-3288	26	11	a	a	DET
fsr-3288	26	12	process	process	NOUN
fsr-3288	26	13	of	of	ADP
fsr-3288	26	14	linking	link	VERB
fsr-3288	26	15	abstract	abstract	ADJ
fsr-3288	26	16	concepts	concept	NOUN
fsr-3288	26	17	to	to	ADP
fsr-3288	26	18	empirical	empirical	ADJ
fsr-3288	26	19	indicants	indicant	NOUN
fsr-3288	26	20	”	"	PUNCT
fsr-3288	26	21	(	(	PUNCT
fsr-3288	26	22	p.	p.	NOUN
fsr-3288	26	23	2	2	NUM
fsr-3288	26	24	)	)	PUNCT
fsr-3288	26	25	.	.	PUNCT
fsr-3288	27	1	carmines	carmine	NOUN
fsr-3288	27	2	and	and	CCONJ
fsr-3288	27	3	zeller	zeller	PROPN
fsr-3288	27	4	(	(	PUNCT
fsr-3288	27	5	1979	1979	NUM
fsr-3288	27	6	)	)	PUNCT
fsr-3288	27	7	emphasize	emphasize	VERB
fsr-3288	27	8	the	the	DET
fsr-3288	27	9	importance	importance	NOUN
fsr-3288	27	10	of	of	ADP
fsr-3288	27	11	measurement	measurement	NOUN
fsr-3288	27	12	as	as	SCONJ
fsr-3288	27	13	it	it	PRON
fsr-3288	27	14	allows	allow	VERB
fsr-3288	27	15	scientists	scientist	NOUN
fsr-3288	27	16	to	to	PART
fsr-3288	27	17	test	test	VERB
fsr-3288	27	18	theoretical	theoretical	ADJ
fsr-3288	27	19	propositions	proposition	NOUN
fsr-3288	27	20	—	—	PUNCT
fsr-3288	27	21	if	if	SCONJ
fsr-3288	27	22	the	the	DET
fsr-3288	27	23	empirical	empirical	ADJ
fsr-3288	27	24	indicant	indicant	NOUN
fsr-3288	27	25	(	(	PUNCT
fsr-3288	27	26	i.e.	i.e.	X
fsr-3288	27	27	,	,	PUNCT
fsr-3288	27	28	a	a	DET
fsr-3288	27	29	variable	variable	NOUN
fsr-3288	27	30	that	that	PRON
fsr-3288	27	31	can	can	AUX
fsr-3288	27	32	be	be	AUX
fsr-3288	27	33	observed	observe	VERB
fsr-3288	27	34	)	)	PUNCT
fsr-3288	27	35	is	be	AUX
fsr-3288	27	36	weakly	weakly	ADV
fsr-3288	27	37	related	related	ADJ
fsr-3288	27	38	to	to	ADP
fsr-3288	27	39	the	the	DET
fsr-3288	27	40	underlying	underlie	VERB
fsr-3288	27	41	phenomenon	phenomenon	NOUN
fsr-3288	27	42	of	of	ADP
fsr-3288	27	43	interest	interest	NOUN
fsr-3288	27	44	(	(	PUNCT
fsr-3288	27	45	i.e.	i.e.	X
fsr-3288	27	46	,	,	PUNCT
fsr-3288	27	47	the	the	DET
fsr-3288	27	48	unobserved	unobserved	ADJ
fsr-3288	27	49	concept	concept	NOUN
fsr-3288	27	50	)	)	PUNCT
fsr-3288	27	51	,	,	PUNCT
fsr-3288	27	52	any	any	DET
fsr-3288	27	53	analysis	analysis	NOUN
fsr-3288	27	54	of	of	ADP
fsr-3288	27	55	the	the	DET
fsr-3288	27	56	data	datum	NOUN
fsr-3288	27	57	may	may	AUX
fsr-3288	27	58	lead	lead	VERB
fsr-3288	27	59	to	to	ADP
fsr-3288	27	60	incorrect	incorrect	ADJ
fsr-3288	27	61	inferences	inference	NOUN
fsr-3288	27	62	.	.	PUNCT
fsr-3288	28	1	therefore	therefore	ADV
fsr-3288	28	2	,	,	PUNCT
fsr-3288	28	3	we	we	PRON
fsr-3288	28	4	consider	consider	VERB
fsr-3288	28	5	measurement	measurement	NOUN
fsr-3288	28	6	to	to	PART
fsr-3288	28	7	be	be	AUX
fsr-3288	28	8	a	a	DET
fsr-3288	28	9	process	process	NOUN
fsr-3288	28	10	in	in	ADP
fsr-3288	28	11	which	which	PRON
fsr-3288	28	12	objects	object	VERB
fsr-3288	28	13	,	,	PUNCT
fsr-3288	28	14	events	event	NOUN
fsr-3288	28	15	,	,	PUNCT
fsr-3288	28	16	or	or	CCONJ
fsr-3288	28	17	concepts	concept	NOUN
fsr-3288	28	18	are	be	AUX
fsr-3288	28	19	systemically	systemically	ADV
fsr-3288	28	20	classified	classify	VERB
fsr-3288	28	21	and	and	CCONJ
fsr-3288	28	22	represented	represent	VERB
fsr-3288	28	23	to	to	PART
fsr-3288	28	24	advance	advance	VERB
fsr-3288	28	25	knowledge	knowledge	NOUN
fsr-3288	28	26	.	.	PUNCT
fsr-3288	29	1	with	with	ADP
fsr-3288	29	2	this	this	DET
fsr-3288	29	3	understanding	understanding	NOUN
fsr-3288	29	4	of	of	ADP
fsr-3288	29	5	measurement	measurement	NOUN
fsr-3288	29	6	,	,	PUNCT
fsr-3288	29	7	we	we	PRON
fsr-3288	29	8	can	can	AUX
fsr-3288	29	9	return	return	VERB
fsr-3288	29	10	to	to	ADP
fsr-3288	29	11	the	the	DET
fsr-3288	29	12	objective	objective	NOUN
fsr-3288	29	13	of	of	ADP
fsr-3288	29	14	the	the	DET
fsr-3288	29	15	current	current	ADJ
fsr-3288	29	16	analysis	analysis	NOUN
fsr-3288	29	17	.	.	PUNCT
fsr-3288	30	1	to	to	PART
fsr-3288	30	2	properly	properly	ADV
fsr-3288	30	3	classify	classify	VERB
fsr-3288	30	4	households	household	NOUN
fsr-3288	30	5	according	accord	VERB
fsr-3288	30	6	to	to	ADP
fsr-3288	30	7	whether	whether	SCONJ
fsr-3288	30	8	or	or	CCONJ
fsr-3288	30	9	not	not	PART
fsr-3288	30	10	they	they	PRON
fsr-3288	30	11	use	use	VERB
fsr-3288	30	12	a	a	DET
fsr-3288	30	13	financial	financial	ADJ
fsr-3288	30	14	planner	planner	NOUN
fsr-3288	30	15	,	,	PUNCT
fsr-3288	30	16	several	several	ADJ
fsr-3288	30	17	challenges	challenge	NOUN
fsr-3288	30	18	become	become	VERB
fsr-3288	30	19	apparent	apparent	ADJ
fsr-3288	30	20	.	.	PUNCT
fsr-3288	31	1	even	even	ADV
fsr-3288	31	2	among	among	ADP
fsr-3288	31	3	professionals	professional	NOUN
fsr-3288	31	4	who	who	PRON
fsr-3288	31	5	refer	refer	VERB
fsr-3288	31	6	to	to	ADP
fsr-3288	31	7	themselves	themselves	PRON
fsr-3288	31	8	as	as	ADP
fsr-3288	31	9	financial	financial	ADJ
fsr-3288	31	10	planners	planner	NOUN
fsr-3288	31	11	,	,	PUNCT
fsr-3288	31	12	there	there	PRON
fsr-3288	31	13	is	be	VERB
fsr-3288	31	14	great	great	ADJ
fsr-3288	31	15	diversity	diversity	NOUN
fsr-3288	31	16	in	in	ADP
fsr-3288	31	17	the	the	DET
fsr-3288	31	18	scope	scope	NOUN
fsr-3288	31	19	of	of	ADP
fsr-3288	31	20	services	service	NOUN
fsr-3288	31	21	provided	provide	VERB
fsr-3288	31	22	,	,	PUNCT
fsr-3288	31	23	ranging	range	VERB
fsr-3288	31	24	from	from	ADP
fsr-3288	31	25	primarily	primarily	ADV
fsr-3288	31	26	investment	investment	NOUN
fsr-3288	31	27	advice	advice	NOUN
fsr-3288	31	28	or	or	CCONJ
fsr-3288	31	29	another	another	DET
fsr-3288	31	30	specialized	specialized	ADJ
fsr-3288	31	31	area	area	NOUN
fsr-3288	31	32	to	to	ADP
fsr-3288	31	33	comprehensive	comprehensive	ADJ
fsr-3288	31	34	financial	financial	ADJ
fsr-3288	31	35	428	428	NUM
fsr-3288	31	36	s.j	s.j	PROPN
fsr-3288	31	37	.	.	PUNCT
fsr-3288	32	1	heckman	heckman	PROPN
fsr-3288	32	2	et	et	PROPN
fsr-3288	32	3	al	al	PROPN
fsr-3288	32	4	.	.	PUNCT
fsr-3288	32	5	/	/	SYM
fsr-3288	32	6	financial	financial	ADJ
fsr-3288	32	7	services	service	NOUN
fsr-3288	32	8	review	review	VERB
fsr-3288	32	9	25	25	NUM
fsr-3288	32	10	(	(	PUNCT
fsr-3288	32	11	2016	2016	NUM
fsr-3288	32	12	)	)	PUNCT
fsr-3288	32	13	427–446	427–446	NUM
fsr-3288	32	14	planning	planning	NOUN
fsr-3288	32	15	.	.	PUNCT
fsr-3288	33	1	consequently	consequently	ADV
fsr-3288	33	2	,	,	PUNCT
fsr-3288	33	3	self	self	NOUN
fsr-3288	33	4	-	-	PUNCT
fsr-3288	33	5	reported	report	VERB
fsr-3288	33	6	data	datum	NOUN
fsr-3288	33	7	from	from	ADP
fsr-3288	33	8	households	household	NOUN
fsr-3288	33	9	will	will	AUX
fsr-3288	33	10	be	be	AUX
fsr-3288	33	11	noisy	noisy	ADJ
fsr-3288	33	12	as	as	SCONJ
fsr-3288	33	13	there	there	PRON
fsr-3288	33	14	is	be	VERB
fsr-3288	33	15	likely	likely	ADJ
fsr-3288	33	16	substantial	substantial	ADJ
fsr-3288	33	17	variation	variation	NOUN
fsr-3288	33	18	between	between	ADP
fsr-3288	33	19	households	household	NOUN
fsr-3288	33	20	in	in	ADP
fsr-3288	33	21	the	the	DET
fsr-3288	33	22	types	type	NOUN
fsr-3288	33	23	of	of	ADP
fsr-3288	33	24	financial	financial	ADJ
fsr-3288	33	25	service	service	NOUN
fsr-3288	33	26	professionals	professional	NOUN
fsr-3288	33	27	(	(	PUNCT
fsr-3288	33	28	e.g.	e.g.	ADV
fsr-3288	33	29	,	,	PUNCT
fsr-3288	33	30	banker	banker	NOUN
fsr-3288	33	31	,	,	PUNCT
fsr-3288	33	32	stock	stock	NOUN
fsr-3288	33	33	broker	broker	PROPN
fsr-3288	33	34	,	,	PUNCT
fsr-3288	33	35	insurance	insurance	NOUN
fsr-3288	33	36	agent	agent	NOUN
fsr-3288	33	37	,	,	PUNCT
fsr-3288	33	38	etc	etc	X
fsr-3288	33	39	.	.	X
fsr-3288	33	40	)	)	PUNCT
fsr-3288	34	1	that	that	PRON
fsr-3288	34	2	come	come	VERB
fsr-3288	34	3	to	to	ADP
fsr-3288	34	4	mind	mind	NOUN
fsr-3288	34	5	when	when	SCONJ
fsr-3288	34	6	they	they	PRON
fsr-3288	34	7	hear	hear	VERB
fsr-3288	34	8	the	the	DET
fsr-3288	34	9	term	term	NOUN
fsr-3288	34	10	,	,	PUNCT
fsr-3288	34	11	“	"	PUNCT
fsr-3288	34	12	financial	financial	ADJ
fsr-3288	34	13	planner	planner	NOUN
fsr-3288	34	14	.	.	PUNCT
fsr-3288	34	15	”	"	PUNCT
fsr-3288	35	1	therefore	therefore	ADV
fsr-3288	35	2	,	,	PUNCT
fsr-3288	35	3	an	an	DET
fsr-3288	35	4	important	important	ADJ
fsr-3288	35	5	starting	starting	NOUN
fsr-3288	35	6	point	point	NOUN
fsr-3288	35	7	for	for	ADP
fsr-3288	35	8	research	research	NOUN
fsr-3288	35	9	regarding	regard	VERB
fsr-3288	35	10	financial	financial	ADJ
fsr-3288	35	11	planner	planner	NOUN
fsr-3288	35	12	use	use	NOUN
fsr-3288	35	13	is	be	AUX
fsr-3288	35	14	to	to	PART
fsr-3288	35	15	clearly	clearly	ADV
fsr-3288	35	16	define	define	VERB
fsr-3288	35	17	the	the	DET
fsr-3288	35	18	intended	intend	VERB
fsr-3288	35	19	event	event	NOUN
fsr-3288	35	20	to	to	PART
fsr-3288	35	21	be	be	AUX
fsr-3288	35	22	measured	measure	VERB
fsr-3288	35	23	.	.	PUNCT
fsr-3288	36	1	although	although	SCONJ
fsr-3288	36	2	a	a	DET
fsr-3288	36	3	number	number	NOUN
fsr-3288	36	4	of	of	ADP
fsr-3288	36	5	studies	study	NOUN
fsr-3288	36	6	examine	examine	VERB
fsr-3288	36	7	the	the	DET
fsr-3288	36	8	effect	effect	NOUN
fsr-3288	36	9	of	of	ADP
fsr-3288	36	10	financial	financial	ADJ
fsr-3288	36	11	planner	planner	NOUN
fsr-3288	36	12	use	use	NOUN
fsr-3288	36	13	,	,	PUNCT
fsr-3288	36	14	little	little	ADJ
fsr-3288	36	15	attention	attention	NOUN
fsr-3288	36	16	is	be	AUX
fsr-3288	36	17	given	give	VERB
fsr-3288	36	18	to	to	ADP
fsr-3288	36	19	clearly	clearly	ADV
fsr-3288	36	20	defining	define	VERB
fsr-3288	36	21	what	what	PRON
fsr-3288	36	22	is	be	AUX
fsr-3288	36	23	meant	mean	VERB
fsr-3288	36	24	by	by	ADP
fsr-3288	36	25	use	use	NOUN
fsr-3288	36	26	of	of	ADP
fsr-3288	36	27	a	a	DET
fsr-3288	36	28	financial	financial	ADJ
fsr-3288	36	29	planner	planner	NOUN
fsr-3288	36	30	.	.	PUNCT
fsr-3288	37	1	in	in	ADP
fsr-3288	37	2	measuring	measure	VERB
fsr-3288	37	3	whether	whether	SCONJ
fsr-3288	37	4	an	an	DET
fsr-3288	37	5	individual	individual	NOUN
fsr-3288	37	6	received	receive	VERB
fsr-3288	37	7	financial	financial	ADJ
fsr-3288	37	8	planning	planning	NOUN
fsr-3288	37	9	services	service	NOUN
fsr-3288	37	10	,	,	PUNCT
fsr-3288	37	11	a	a	DET
fsr-3288	37	12	clear	clear	ADJ
fsr-3288	37	13	definitional	definitional	ADJ
fsr-3288	37	14	framework	framework	NOUN
fsr-3288	37	15	is	be	AUX
fsr-3288	37	16	needed	need	VERB
fsr-3288	37	17	.	.	PUNCT
fsr-3288	38	1	the	the	DET
fsr-3288	38	2	cfp	cfp	PROPN
fsr-3288	38	3	board	board	PROPN
fsr-3288	38	4	(	(	PUNCT
fsr-3288	38	5	2013	2013	NUM
fsr-3288	38	6	)	)	PUNCT
fsr-3288	38	7	defines	define	VERB
fsr-3288	38	8	financial	financial	ADJ
fsr-3288	38	9	planning	planning	NOUN
fsr-3288	38	10	as	as	ADP
fsr-3288	38	11	“	"	PUNCT
fsr-3288	38	12	the	the	DET
fsr-3288	38	13	process	process	NOUN
fsr-3288	38	14	of	of	ADP
fsr-3288	38	15	determining	determine	VERB
fsr-3288	38	16	whether	whether	SCONJ
fsr-3288	38	17	and	and	CCONJ
fsr-3288	38	18	how	how	SCONJ
fsr-3288	38	19	an	an	DET
fsr-3288	38	20	individual	individual	NOUN
fsr-3288	38	21	can	can	AUX
fsr-3288	38	22	meet	meet	VERB
fsr-3288	38	23	life	life	NOUN
fsr-3288	38	24	goals	goal	NOUN
fsr-3288	38	25	through	through	ADP
fsr-3288	38	26	the	the	DET
fsr-3288	38	27	proper	proper	ADJ
fsr-3288	38	28	management	management	NOUN
fsr-3288	38	29	of	of	ADP
fsr-3288	38	30	financial	financial	ADJ
fsr-3288	38	31	resources	resource	NOUN
fsr-3288	38	32	”	"	PUNCT
fsr-3288	38	33	(	(	PUNCT
fsr-3288	38	34	p.	p.	NOUN
fsr-3288	38	35	9	9	NUM
fsr-3288	38	36	)	)	PUNCT
fsr-3288	38	37	.	.	PUNCT
fsr-3288	39	1	the	the	DET
fsr-3288	39	2	subject	subject	ADJ
fsr-3288	39	3	areas	area	NOUN
fsr-3288	39	4	of	of	ADP
fsr-3288	39	5	the	the	DET
fsr-3288	39	6	financial	financial	ADJ
fsr-3288	39	7	planning	planning	NOUN
fsr-3288	39	8	process	process	NOUN
fsr-3288	39	9	include	include	VERB
fsr-3288	39	10	,	,	PUNCT
fsr-3288	39	11	but	but	CCONJ
fsr-3288	39	12	are	be	AUX
fsr-3288	39	13	not	not	PART
fsr-3288	39	14	limited	limit	VERB
fsr-3288	39	15	to	to	ADP
fsr-3288	39	16	:	:	PUNCT
fsr-3288	39	17	“	"	PUNCT
fsr-3288	39	18	financial	financial	ADJ
fsr-3288	39	19	statement	statement	NOUN
fsr-3288	39	20	preparation	preparation	NOUN
fsr-3288	39	21	and	and	CCONJ
fsr-3288	39	22	analysis	analysis	NOUN
fsr-3288	39	23	(	(	PUNCT
fsr-3288	39	24	including	include	VERB
fsr-3288	39	25	cash	cash	NOUN
fsr-3288	39	26	flow	flow	NOUN
fsr-3288	39	27	analysis	analysis	NOUN
fsr-3288	39	28	/	/	SYM
fsr-3288	39	29	planning	planning	NOUN
fsr-3288	39	30	and	and	CCONJ
fsr-3288	39	31	budgeting	budgeting	NOUN
fsr-3288	39	32	)	)	PUNCT
fsr-3288	39	33	,	,	PUNCT
fsr-3288	39	34	insurance	insurance	NOUN
fsr-3288	39	35	planning	planning	NOUN
fsr-3288	39	36	and	and	CCONJ
fsr-3288	39	37	risk	risk	NOUN
fsr-3288	39	38	management	management	NOUN
fsr-3288	39	39	,	,	PUNCT
fsr-3288	39	40	employee	employee	NOUN
fsr-3288	39	41	benefits	benefit	NOUN
fsr-3288	39	42	planning	planning	NOUN
fsr-3288	39	43	,	,	PUNCT
fsr-3288	39	44	investment	investment	NOUN
fsr-3288	39	45	planning	planning	NOUN
fsr-3288	39	46	,	,	PUNCT
fsr-3288	39	47	tax	tax	NOUN
fsr-3288	39	48	planning	planning	NOUN
fsr-3288	39	49	,	,	PUNCT
fsr-3288	39	50	retirement	retirement	NOUN
fsr-3288	39	51	planning	planning	NOUN
fsr-3288	39	52	,	,	PUNCT
fsr-3288	39	53	and	and	CCONJ
fsr-3288	39	54	estate	estate	NOUN
fsr-3288	39	55	planning	planning	NOUN
fsr-3288	39	56	”	"	PUNCT
fsr-3288	39	57	(	(	PUNCT
fsr-3288	39	58	cfp	cfp	PROPN
fsr-3288	39	59	board	board	NOUN
fsr-3288	39	60	,	,	PUNCT
fsr-3288	39	61	2013	2013	NUM
fsr-3288	39	62	,	,	PUNCT
fsr-3288	39	63	p.	p.	NOUN
fsr-3288	39	64	9	9	NUM
fsr-3288	39	65	)	)	PUNCT
fsr-3288	39	66	.	.	PUNCT
fsr-3288	40	1	considerations	consideration	NOUN
fsr-3288	40	2	in	in	ADP
fsr-3288	40	3	evaluating	evaluate	VERB
fsr-3288	40	4	whether	whether	SCONJ
fsr-3288	40	5	financial	financial	ADJ
fsr-3288	40	6	planning	planning	NOUN
fsr-3288	40	7	occurred	occur	VERB
fsr-3288	40	8	include	include	VERB
fsr-3288	40	9	“	"	PUNCT
fsr-3288	40	10	the	the	DET
fsr-3288	40	11	client	client	NOUN
fsr-3288	40	12	’s	’s	PART
fsr-3288	40	13	understanding	understanding	NOUN
fsr-3288	40	14	and	and	CCONJ
fsr-3288	40	15	intent	intent	NOUN
fsr-3288	40	16	in	in	ADP
fsr-3288	40	17	engaging	engage	VERB
fsr-3288	40	18	in	in	ADP
fsr-3288	40	19	financial	financial	ADJ
fsr-3288	40	20	planning	planning	NOUN
fsr-3288	40	21	,	,	PUNCT
fsr-3288	40	22	the	the	DET
fsr-3288	40	23	degree	degree	NOUN
fsr-3288	40	24	to	to	PART
fsr-3288	40	25	which	which	PRON
fsr-3288	40	26	multiple	multiple	ADJ
fsr-3288	40	27	financial	financial	ADJ
fsr-3288	40	28	planning	planning	NOUN
fsr-3288	40	29	subject	subject	NOUN
fsr-3288	40	30	areas	area	NOUN
fsr-3288	40	31	are	be	AUX
fsr-3288	40	32	involved	involve	VERB
fsr-3288	40	33	,	,	PUNCT
fsr-3288	40	34	the	the	DET
fsr-3288	40	35	comprehensiveness	comprehensiveness	NOUN
fsr-3288	40	36	of	of	ADP
fsr-3288	40	37	data	datum	NOUN
fsr-3288	40	38	gathering	gathering	NOUN
fsr-3288	40	39	,	,	PUNCT
fsr-3288	40	40	and	and	CCONJ
fsr-3288	40	41	the	the	DET
fsr-3288	40	42	depth	depth	NOUN
fsr-3288	40	43	and	and	CCONJ
fsr-3288	40	44	breadth	breadth	NOUN
fsr-3288	40	45	of	of	ADP
fsr-3288	40	46	planning	planning	NOUN
fsr-3288	40	47	recommendations	recommendation	NOUN
fsr-3288	40	48	”	"	PUNCT
fsr-3288	40	49	(	(	PUNCT
fsr-3288	40	50	cfp	cfp	PROPN
fsr-3288	40	51	board	board	NOUN
fsr-3288	40	52	,	,	PUNCT
fsr-3288	40	53	2013	2013	NUM
fsr-3288	40	54	,	,	PUNCT
fsr-3288	40	55	p.	p.	NOUN
fsr-3288	40	56	9	9	NUM
fsr-3288	40	57	)	)	PUNCT
fsr-3288	40	58	.	.	PUNCT
fsr-3288	41	1	2.1	2.1	NUM
fsr-3288	41	2	.	.	PUNCT
fsr-3288	41	3	measurement	measurement	NOUN
fsr-3288	41	4	evaluation	evaluation	NOUN
fsr-3288	41	5	:	:	PUNCT
fsr-3288	41	6	reliability	reliability	NOUN
fsr-3288	41	7	and	and	CCONJ
fsr-3288	41	8	validity	validity	NOUN
fsr-3288	41	9	once	once	SCONJ
fsr-3288	41	10	the	the	DET
fsr-3288	41	11	event	event	NOUN
fsr-3288	41	12	(	(	PUNCT
fsr-3288	41	13	or	or	CCONJ
fsr-3288	41	14	other	other	ADJ
fsr-3288	41	15	phenomenon	phenomenon	NOUN
fsr-3288	41	16	)	)	PUNCT
fsr-3288	41	17	is	be	AUX
fsr-3288	41	18	clearly	clearly	ADV
fsr-3288	41	19	defined	define	VERB
fsr-3288	41	20	and	and	CCONJ
fsr-3288	41	21	a	a	DET
fsr-3288	41	22	possible	possible	ADJ
fsr-3288	41	23	measure	measure	NOUN
fsr-3288	41	24	(	(	PUNCT
fsr-3288	41	25	or	or	CCONJ
fsr-3288	41	26	set	set	VERB
fsr-3288	41	27	of	of	ADP
fsr-3288	41	28	measures	measure	NOUN
fsr-3288	41	29	)	)	PUNCT
fsr-3288	41	30	is	be	AUX
fsr-3288	41	31	identified	identify	VERB
fsr-3288	41	32	,	,	PUNCT
fsr-3288	41	33	the	the	DET
fsr-3288	41	34	next	next	ADJ
fsr-3288	41	35	step	step	NOUN
fsr-3288	41	36	is	be	AUX
fsr-3288	41	37	to	to	PART
fsr-3288	41	38	determine	determine	VERB
fsr-3288	41	39	how	how	SCONJ
fsr-3288	41	40	well	well	ADV
fsr-3288	41	41	the	the	DET
fsr-3288	41	42	measure	measure	NOUN
fsr-3288	41	43	performs	perform	VERB
fsr-3288	41	44	.	.	PUNCT
fsr-3288	42	1	for	for	ADP
fsr-3288	42	2	evaluation	evaluation	NOUN
fsr-3288	42	3	purposes	purpose	NOUN
fsr-3288	42	4	,	,	PUNCT
fsr-3288	42	5	carmines	carmine	NOUN
fsr-3288	42	6	and	and	CCONJ
fsr-3288	42	7	zeller	zeller	PROPN
fsr-3288	42	8	(	(	PUNCT
fsr-3288	42	9	1979	1979	NUM
fsr-3288	42	10	)	)	PUNCT
fsr-3288	42	11	identify	identify	VERB
fsr-3288	42	12	two	two	NUM
fsr-3288	42	13	basic	basic	ADJ
fsr-3288	42	14	properties	property	NOUN
fsr-3288	42	15	of	of	ADP
fsr-3288	42	16	a	a	DET
fsr-3288	42	17	measure	measure	NOUN
fsr-3288	42	18	:	:	PUNCT
fsr-3288	42	19	reliability	reliability	NOUN
fsr-3288	42	20	and	and	CCONJ
fsr-3288	42	21	validity	validity	NOUN
fsr-3288	42	22	.	.	PUNCT
fsr-3288	43	1	reliability	reliability	NOUN
fsr-3288	43	2	refers	refer	VERB
fsr-3288	43	3	to	to	ADP
fsr-3288	43	4	a	a	DET
fsr-3288	43	5	measure	measure	NOUN
fsr-3288	43	6	’s	’s	PART
fsr-3288	43	7	ability	ability	NOUN
fsr-3288	43	8	to	to	PART
fsr-3288	43	9	yield	yield	VERB
fsr-3288	43	10	consistent	consistent	ADJ
fsr-3288	43	11	results	result	NOUN
fsr-3288	43	12	over	over	ADP
fsr-3288	43	13	repeated	repeat	VERB
fsr-3288	43	14	trials	trial	NOUN
fsr-3288	43	15	.	.	PUNCT
fsr-3288	44	1	although	although	SCONJ
fsr-3288	44	2	there	there	PRON
fsr-3288	44	3	will	will	AUX
fsr-3288	44	4	always	always	ADV
fsr-3288	44	5	be	be	AUX
fsr-3288	44	6	random	random	ADJ
fsr-3288	44	7	variation	variation	NOUN
fsr-3288	44	8	in	in	ADP
fsr-3288	44	9	any	any	DET
fsr-3288	44	10	measurement	measurement	NOUN
fsr-3288	44	11	,	,	PUNCT
fsr-3288	44	12	the	the	DET
fsr-3288	44	13	goal	goal	NOUN
fsr-3288	44	14	is	be	AUX
fsr-3288	44	15	to	to	PART
fsr-3288	44	16	have	have	VERB
fsr-3288	44	17	a	a	DET
fsr-3288	44	18	measure	measure	NOUN
fsr-3288	44	19	that	that	PRON
fsr-3288	44	20	yields	yield	VERB
fsr-3288	44	21	consistent	consistent	ADJ
fsr-3288	44	22	results	result	NOUN
fsr-3288	44	23	.	.	PUNCT
fsr-3288	45	1	validity	validity	NOUN
fsr-3288	45	2	refers	refer	VERB
fsr-3288	45	3	to	to	ADP
fsr-3288	45	4	the	the	DET
fsr-3288	45	5	extent	extent	NOUN
fsr-3288	45	6	to	to	PART
fsr-3288	45	7	which	which	PRON
fsr-3288	45	8	a	a	DET
fsr-3288	45	9	measure	measure	NOUN
fsr-3288	45	10	“	"	PUNCT
fsr-3288	45	11	.	.	PUNCT
fsr-3288	45	12	.	.	PUNCT
fsr-3288	45	13	.	.	PUNCT
fsr-3288	46	1	does	do	VERB
fsr-3288	46	2	what	what	PRON
fsr-3288	46	3	is	be	AUX
fsr-3288	46	4	intended	intend	VERB
fsr-3288	46	5	to	to	PART
fsr-3288	46	6	do	do	VERB
fsr-3288	46	7	”	"	PUNCT
fsr-3288	46	8	(	(	PUNCT
fsr-3288	46	9	carmines	carmine	NOUN
fsr-3288	46	10	and	and	CCONJ
fsr-3288	46	11	zeller	zeller	NOUN
fsr-3288	46	12	,	,	PUNCT
fsr-3288	46	13	1979	1979	NUM
fsr-3288	46	14	,	,	PUNCT
fsr-3288	46	15	p.	p.	NOUN
fsr-3288	46	16	12	12	NUM
fsr-3288	46	17	)	)	PUNCT
fsr-3288	46	18	.	.	PUNCT
fsr-3288	47	1	there	there	PRON
fsr-3288	47	2	are	be	VERB
fsr-3288	47	3	three	three	NUM
fsr-3288	47	4	commonly	commonly	ADV
fsr-3288	47	5	accepted	accept	VERB
fsr-3288	47	6	components	component	NOUN
fsr-3288	47	7	of	of	ADP
fsr-3288	47	8	validity	validity	NOUN
fsr-3288	47	9	:	:	PUNCT
fsr-3288	47	10	(	(	PUNCT
fsr-3288	47	11	1	1	X
fsr-3288	47	12	)	)	PUNCT
fsr-3288	47	13	content	content	NOUN
fsr-3288	47	14	validity	validity	NOUN
fsr-3288	47	15	,	,	PUNCT
fsr-3288	47	16	(	(	PUNCT
fsr-3288	47	17	2	2	NUM
fsr-3288	47	18	)	)	PUNCT
fsr-3288	47	19	criterion	criterion	NOUN
fsr-3288	47	20	-	-	PUNCT
fsr-3288	47	21	related	relate	VERB
fsr-3288	47	22	validity	validity	NOUN
fsr-3288	47	23	,	,	PUNCT
fsr-3288	47	24	and	and	CCONJ
fsr-3288	47	25	(	(	PUNCT
fsr-3288	47	26	3	3	X
fsr-3288	47	27	)	)	PUNCT
fsr-3288	47	28	construct	construct	VERB
fsr-3288	47	29	validity	validity	NOUN
fsr-3288	47	30	.	.	PUNCT
fsr-3288	48	1	content	content	NOUN
fsr-3288	48	2	validity	validity	NOUN
fsr-3288	48	3	refers	refer	VERB
fsr-3288	48	4	to	to	ADP
fsr-3288	48	5	the	the	DET
fsr-3288	48	6	extent	extent	NOUN
fsr-3288	48	7	to	to	PART
fsr-3288	48	8	which	which	PRON
fsr-3288	48	9	an	an	DET
fsr-3288	48	10	empirical	empirical	ADJ
fsr-3288	48	11	measurement	measurement	NOUN
fsr-3288	48	12	reflects	reflect	VERB
fsr-3288	48	13	a	a	DET
fsr-3288	48	14	specific	specific	ADJ
fsr-3288	48	15	domain	domain	NOUN
fsr-3288	48	16	of	of	ADP
fsr-3288	48	17	context	context	NOUN
fsr-3288	48	18	(	(	PUNCT
fsr-3288	48	19	carmines	carmine	NOUN
fsr-3288	48	20	and	and	CCONJ
fsr-3288	48	21	zeller	zeller	NOUN
fsr-3288	48	22	,	,	PUNCT
fsr-3288	48	23	1979	1979	NUM
fsr-3288	48	24	)	)	PUNCT
fsr-3288	48	25	.	.	PUNCT
fsr-3288	49	1	for	for	ADP
fsr-3288	49	2	example	example	NOUN
fsr-3288	49	3	,	,	PUNCT
fsr-3288	49	4	a	a	DET
fsr-3288	49	5	measure	measure	NOUN
fsr-3288	49	6	of	of	ADP
fsr-3288	49	7	investment	investment	NOUN
fsr-3288	49	8	knowledge	knowledge	NOUN
fsr-3288	49	9	among	among	ADP
fsr-3288	49	10	u.s	u.s	PROPN
fsr-3288	49	11	.	.	PROPN
fsr-3288	49	12	adults	adult	NOUN
fsr-3288	49	13	that	that	PRON
fsr-3288	49	14	assessed	assess	VERB
fsr-3288	49	15	understanding	understanding	NOUN
fsr-3288	49	16	of	of	ADP
fsr-3288	49	17	asset	asset	NOUN
fsr-3288	49	18	return	return	NOUN
fsr-3288	49	19	but	but	CCONJ
fsr-3288	49	20	not	not	PART
fsr-3288	49	21	asset	asset	NOUN
fsr-3288	49	22	risk	risk	NOUN
fsr-3288	49	23	would	would	AUX
fsr-3288	49	24	lack	lack	VERB
fsr-3288	49	25	content	content	NOUN
fsr-3288	49	26	validity	validity	NOUN
fsr-3288	49	27	.	.	PUNCT
fsr-3288	50	1	devellis	devellis	PROPN
fsr-3288	50	2	(	(	PUNCT
fsr-3288	50	3	2012	2012	NUM
fsr-3288	50	4	)	)	PUNCT
fsr-3288	50	5	points	point	VERB
fsr-3288	50	6	out	out	ADP
fsr-3288	50	7	that	that	SCONJ
fsr-3288	50	8	content	content	NOUN
fsr-3288	50	9	validity	validity	NOUN
fsr-3288	50	10	is	be	AUX
fsr-3288	50	11	closely	closely	ADV
fsr-3288	50	12	related	relate	VERB
fsr-3288	50	13	to	to	ADP
fsr-3288	50	14	the	the	DET
fsr-3288	50	15	definition	definition	NOUN
fsr-3288	50	16	of	of	ADP
fsr-3288	50	17	the	the	DET
fsr-3288	50	18	phenomenon	phenomenon	NOUN
fsr-3288	50	19	of	of	ADP
fsr-3288	50	20	interest	interest	NOUN
fsr-3288	50	21	.	.	PUNCT
fsr-3288	51	1	to	to	PART
fsr-3288	51	2	be	be	AUX
fsr-3288	51	3	valid	valid	ADJ
fsr-3288	51	4	,	,	PUNCT
fsr-3288	51	5	a	a	DET
fsr-3288	51	6	measure	measure	NOUN
fsr-3288	51	7	must	must	AUX
fsr-3288	51	8	capture	capture	VERB
fsr-3288	51	9	the	the	DET
fsr-3288	51	10	aspects	aspect	NOUN
fsr-3288	51	11	of	of	ADP
fsr-3288	51	12	the	the	DET
fsr-3288	51	13	occurrence	occurrence	NOUN
fsr-3288	51	14	identified	identify	VERB
fsr-3288	51	15	in	in	ADP
fsr-3288	51	16	its	its	PRON
fsr-3288	51	17	conceptual	conceptual	ADJ
fsr-3288	51	18	definition	definition	NOUN
fsr-3288	51	19	.	.	PUNCT
fsr-3288	52	1	criterion	criterion	NOUN
fsr-3288	52	2	-	-	PUNCT
fsr-3288	52	3	related	relate	VERB
fsr-3288	52	4	validity	validity	NOUN
fsr-3288	52	5	refers	refer	VERB
fsr-3288	52	6	to	to	ADP
fsr-3288	52	7	the	the	DET
fsr-3288	52	8	extent	extent	NOUN
fsr-3288	52	9	to	to	PART
fsr-3288	52	10	which	which	PRON
fsr-3288	52	11	a	a	DET
fsr-3288	52	12	measure	measure	NOUN
fsr-3288	52	13	is	be	AUX
fsr-3288	52	14	related	relate	VERB
fsr-3288	52	15	to	to	ADP
fsr-3288	52	16	an	an	DET
fsr-3288	52	17	empirical	empirical	ADJ
fsr-3288	52	18	behavior	behavior	NOUN
fsr-3288	52	19	that	that	PRON
fsr-3288	52	20	is	be	AUX
fsr-3288	52	21	external	external	ADJ
fsr-3288	52	22	to	to	ADP
fsr-3288	52	23	the	the	DET
fsr-3288	52	24	measure	measure	NOUN
fsr-3288	52	25	(	(	PUNCT
fsr-3288	52	26	carmines	carmine	NOUN
fsr-3288	52	27	and	and	CCONJ
fsr-3288	52	28	zeller	zeller	NOUN
fsr-3288	52	29	,	,	PUNCT
fsr-3288	52	30	1979	1979	NUM
fsr-3288	52	31	;	;	PUNCT
fsr-3288	52	32	devellis	develli	NOUN
fsr-3288	52	33	,	,	PUNCT
fsr-3288	52	34	2012	2012	NUM
fsr-3288	52	35	)	)	PUNCT
fsr-3288	52	36	.	.	PUNCT
fsr-3288	53	1	for	for	ADP
fsr-3288	53	2	example	example	NOUN
fsr-3288	53	3	,	,	PUNCT
fsr-3288	53	4	a	a	DET
fsr-3288	53	5	measure	measure	NOUN
fsr-3288	53	6	of	of	ADP
fsr-3288	53	7	risk	risk	NOUN
fsr-3288	53	8	tolerance	tolerance	NOUN
fsr-3288	53	9	may	may	AUX
fsr-3288	53	10	have	have	VERB
fsr-3288	53	11	evidence	evidence	NOUN
fsr-3288	53	12	of	of	ADP
fsr-3288	53	13	criterion	criterion	NOUN
fsr-3288	53	14	-	-	PUNCT
fsr-3288	53	15	related	relate	VERB
fsr-3288	53	16	validity	validity	NOUN
fsr-3288	53	17	if	if	SCONJ
fsr-3288	53	18	it	it	PRON
fsr-3288	53	19	is	be	AUX
fsr-3288	53	20	strongly	strongly	ADV
fsr-3288	53	21	related	relate	VERB
fsr-3288	53	22	to	to	ADP
fsr-3288	53	23	amount	amount	NOUN
fsr-3288	53	24	of	of	ADP
fsr-3288	53	25	risk	risk	NOUN
fsr-3288	53	26	held	hold	VERB
fsr-3288	53	27	in	in	ADP
fsr-3288	53	28	a	a	DET
fsr-3288	53	29	portfolio	portfolio	NOUN
fsr-3288	53	30	.	.	PUNCT
fsr-3288	54	1	lastly	lastly	ADV
fsr-3288	54	2	,	,	PUNCT
fsr-3288	54	3	construct	construct	VERB
fsr-3288	54	4	validity	validity	NOUN
fsr-3288	54	5	refers	refer	VERB
fsr-3288	54	6	to	to	ADP
fsr-3288	54	7	the	the	DET
fsr-3288	54	8	degree	degree	NOUN
fsr-3288	54	9	to	to	PART
fsr-3288	54	10	which	which	PRON
fsr-3288	54	11	a	a	DET
fsr-3288	54	12	certain	certain	ADJ
fsr-3288	54	13	measure	measure	NOUN
fsr-3288	54	14	relates	relate	VERB
fsr-3288	54	15	to	to	ADP
fsr-3288	54	16	other	other	ADJ
fsr-3288	54	17	measures	measure	NOUN
fsr-3288	54	18	in	in	ADP
fsr-3288	54	19	line	line	NOUN
fsr-3288	54	20	with	with	ADP
fsr-3288	54	21	theory	theory	NOUN
fsr-3288	54	22	-	-	PUNCT
fsr-3288	54	23	based	base	VERB
fsr-3288	54	24	hypotheses	hypothesis	NOUN
fsr-3288	54	25	concerning	concern	VERB
fsr-3288	54	26	the	the	DET
fsr-3288	54	27	constructs	construct	NOUN
fsr-3288	54	28	being	be	AUX
fsr-3288	54	29	measured	measure	VERB
fsr-3288	54	30	(	(	PUNCT
fsr-3288	54	31	carmines	carmine	NOUN
fsr-3288	54	32	and	and	CCONJ
fsr-3288	54	33	zeller	zeller	NOUN
fsr-3288	54	34	,	,	PUNCT
fsr-3288	54	35	1979	1979	NUM
fsr-3288	54	36	)	)	PUNCT
fsr-3288	54	37	.	.	PUNCT
fsr-3288	55	1	for	for	ADP
fsr-3288	55	2	example	example	NOUN
fsr-3288	55	3	,	,	PUNCT
fsr-3288	55	4	if	if	SCONJ
fsr-3288	55	5	a	a	DET
fsr-3288	55	6	theoretical	theoretical	ADJ
fsr-3288	55	7	framework	framework	NOUN
fsr-3288	55	8	suggests	suggest	VERB
fsr-3288	55	9	that	that	SCONJ
fsr-3288	55	10	increased	increase	VERB
fsr-3288	55	11	financial	financial	ADJ
fsr-3288	55	12	stress	stress	NOUN
fsr-3288	55	13	should	should	AUX
fsr-3288	55	14	predict	predict	VERB
fsr-3288	55	15	increased	increase	VERB
fsr-3288	55	16	likelihood	likelihood	NOUN
fsr-3288	55	17	of	of	ADP
fsr-3288	55	18	429s.j	429s.j	PROPN
fsr-3288	55	19	.	.	PUNCT
fsr-3288	56	1	heckman	heckman	PROPN
fsr-3288	56	2	et	et	PROPN
fsr-3288	56	3	al	al	PROPN
fsr-3288	56	4	.	.	PUNCT
fsr-3288	56	5	/	/	SYM
fsr-3288	56	6	financial	financial	ADJ
fsr-3288	56	7	services	service	NOUN
fsr-3288	56	8	review	review	VERB
fsr-3288	56	9	25	25	NUM
fsr-3288	56	10	(	(	PUNCT
fsr-3288	56	11	2016	2016	NUM
fsr-3288	56	12	)	)	PUNCT
fsr-3288	56	13	427–446	427–446	NUM
fsr-3288	56	14	financial	financial	ADJ
fsr-3288	56	15	planner	planner	NOUN
fsr-3288	56	16	use	use	NOUN
fsr-3288	56	17	,	,	PUNCT
fsr-3288	56	18	a	a	DET
fsr-3288	56	19	measure	measure	NOUN
fsr-3288	56	20	of	of	ADP
fsr-3288	56	21	financial	financial	ADJ
fsr-3288	56	22	stress	stress	NOUN
fsr-3288	56	23	would	would	AUX
fsr-3288	56	24	have	have	VERB
fsr-3288	56	25	evidence	evidence	NOUN
fsr-3288	56	26	of	of	ADP
fsr-3288	56	27	construct	construct	VERB
fsr-3288	56	28	validity	validity	NOUN
fsr-3288	56	29	if	if	SCONJ
fsr-3288	56	30	there	there	PRON
fsr-3288	56	31	was	be	VERB
fsr-3288	56	32	a	a	DET
fsr-3288	56	33	strong	strong	ADJ
fsr-3288	56	34	,	,	PUNCT
fsr-3288	56	35	positive	positive	ADJ
fsr-3288	56	36	correlation	correlation	NOUN
fsr-3288	56	37	between	between	ADP
fsr-3288	56	38	the	the	DET
fsr-3288	56	39	measure	measure	NOUN
fsr-3288	56	40	and	and	CCONJ
fsr-3288	56	41	financial	financial	ADJ
fsr-3288	56	42	planner	planner	NOUN
fsr-3288	56	43	use	use	NOUN
fsr-3288	56	44	.	.	PUNCT
fsr-3288	57	1	for	for	ADP
fsr-3288	57	2	the	the	DET
fsr-3288	57	3	purpose	purpose	NOUN
fsr-3288	57	4	of	of	ADP
fsr-3288	57	5	this	this	DET
fsr-3288	57	6	article	article	NOUN
fsr-3288	57	7	,	,	PUNCT
fsr-3288	57	8	we	we	PRON
fsr-3288	57	9	focus	focus	VERB
fsr-3288	57	10	on	on	ADP
fsr-3288	57	11	evaluating	evaluate	VERB
fsr-3288	57	12	the	the	DET
fsr-3288	57	13	content	content	NOUN
fsr-3288	57	14	validity	validity	NOUN
fsr-3288	57	15	of	of	ADP
fsr-3288	57	16	publically	publically	ADV
fsr-3288	57	17	available	available	ADJ
fsr-3288	57	18	measures	measure	NOUN
fsr-3288	57	19	of	of	ADP
fsr-3288	57	20	financial	financial	ADJ
fsr-3288	57	21	planner	planner	NOUN
fsr-3288	57	22	use	use	NOUN
fsr-3288	57	23	.	.	PUNCT
fsr-3288	58	1	2.2	2.2	NUM
fsr-3288	58	2	.	.	PUNCT
fsr-3288	58	3	measures	measure	NOUN
fsr-3288	58	4	in	in	ADP
fsr-3288	58	5	publicly	publicly	ADV
fsr-3288	58	6	available	available	ADJ
fsr-3288	58	7	datasets	dataset	NOUN
fsr-3288	58	8	to	to	PART
fsr-3288	58	9	identify	identify	VERB
fsr-3288	58	10	publicly	publicly	ADV
fsr-3288	58	11	available	available	ADJ
fsr-3288	58	12	,	,	PUNCT
fsr-3288	58	13	nationally	nationally	ADV
fsr-3288	58	14	representative	representative	ADJ
fsr-3288	58	15	datasets	dataset	NOUN
fsr-3288	58	16	in	in	ADP
fsr-3288	58	17	the	the	DET
fsr-3288	58	18	united	united	PROPN
fsr-3288	58	19	states	states	PROPN
fsr-3288	58	20	that	that	PRON
fsr-3288	58	21	contain	contain	VERB
fsr-3288	58	22	information	information	NOUN
fsr-3288	58	23	regarding	regard	VERB
fsr-3288	58	24	household	household	NOUN
fsr-3288	58	25	use	use	NOUN
fsr-3288	58	26	of	of	ADP
fsr-3288	58	27	financial	financial	ADJ
fsr-3288	58	28	planners	planner	NOUN
fsr-3288	58	29	,	,	PUNCT
fsr-3288	58	30	articles	article	NOUN
fsr-3288	58	31	published	publish	VERB
fsr-3288	58	32	between	between	ADP
fsr-3288	58	33	2013	2013	NUM
fsr-3288	58	34	and	and	CCONJ
fsr-3288	58	35	2015	2015	NUM
fsr-3288	58	36	in	in	ADP
fsr-3288	58	37	financial	financial	ADJ
fsr-3288	58	38	services	service	NOUN
fsr-3288	58	39	review	review	NOUN
fsr-3288	58	40	,	,	PUNCT
fsr-3288	58	41	journal	journal	NOUN
fsr-3288	58	42	of	of	ADP
fsr-3288	58	43	personal	personal	ADJ
fsr-3288	58	44	finance	finance	NOUN
fsr-3288	58	45	,	,	PUNCT
fsr-3288	58	46	journal	journal	NOUN
fsr-3288	58	47	of	of	ADP
fsr-3288	58	48	financial	financial	ADJ
fsr-3288	58	49	planning	planning	NOUN
fsr-3288	58	50	,	,	PUNCT
fsr-3288	58	51	journal	journal	NOUN
fsr-3288	58	52	of	of	ADP
fsr-3288	58	53	family	family	NOUN
fsr-3288	58	54	and	and	CCONJ
fsr-3288	58	55	economic	economic	ADJ
fsr-3288	58	56	issues	issue	NOUN
fsr-3288	58	57	,	,	PUNCT
fsr-3288	58	58	journal	journal	NOUN
fsr-3288	58	59	of	of	ADP
fsr-3288	58	60	consumer	consumer	NOUN
fsr-3288	58	61	affairs	affair	NOUN
fsr-3288	58	62	,	,	PUNCT
fsr-3288	58	63	and	and	CCONJ
fsr-3288	58	64	journal	journal	NOUN
fsr-3288	58	65	of	of	ADP
fsr-3288	58	66	financial	financial	ADJ
fsr-3288	58	67	counseling	counseling	NOUN
fsr-3288	58	68	and	and	CCONJ
fsr-3288	58	69	planning	planning	NOUN
fsr-3288	58	70	were	be	AUX
fsr-3288	58	71	reviewed	review	VERB
fsr-3288	58	72	.	.	PUNCT
fsr-3288	59	1	from	from	ADP
fsr-3288	59	2	this	this	DET
fsr-3288	59	3	list	list	NOUN
fsr-3288	59	4	,	,	PUNCT
fsr-3288	59	5	seven	seven	NUM
fsr-3288	59	6	datasets	dataset	NOUN
fsr-3288	59	7	were	be	AUX
fsr-3288	59	8	identified	identify	VERB
fsr-3288	59	9	that	that	PRON
fsr-3288	59	10	contain	contain	VERB
fsr-3288	59	11	information	information	NOUN
fsr-3288	59	12	about	about	ADP
fsr-3288	59	13	seeking	seek	VERB
fsr-3288	59	14	financial	financial	ADJ
fsr-3288	59	15	help	help	NOUN
fsr-3288	59	16	from	from	ADP
fsr-3288	59	17	professionals	professional	NOUN
fsr-3288	59	18	:	:	PUNCT
fsr-3288	59	19	asset	asset	NOUN
fsr-3288	59	20	and	and	CCONJ
fsr-3288	59	21	health	health	NOUN
fsr-3288	59	22	dynamics	dynamic	NOUN
fsr-3288	59	23	among	among	ADP
fsr-3288	59	24	the	the	DET
fsr-3288	59	25	oldest	old	ADJ
fsr-3288	59	26	old	old	ADJ
fsr-3288	59	27	(	(	PUNCT
fsr-3288	59	28	ahead	ahead	ADV
fsr-3288	59	29	)	)	PUNCT
fsr-3288	59	30	,	,	PUNCT
fsr-3288	59	31	american	american	ADJ
fsr-3288	59	32	life	life	PROPN
fsr-3288	59	33	panel	panel	NOUN
fsr-3288	59	34	(	(	PUNCT
fsr-3288	59	35	alp	alp	PROPN
fsr-3288	59	36	)	)	PUNCT
fsr-3288	59	37	,	,	PUNCT
fsr-3288	59	38	health	health	NOUN
fsr-3288	59	39	and	and	CCONJ
fsr-3288	59	40	retirement	retirement	NOUN
fsr-3288	59	41	study	study	NOUN
fsr-3288	59	42	(	(	PUNCT
fsr-3288	59	43	hrs	hrs	NOUN
fsr-3288	59	44	)	)	PUNCT
fsr-3288	59	45	,	,	PUNCT
fsr-3288	59	46	national	national	ADJ
fsr-3288	59	47	financial	financial	ADJ
fsr-3288	59	48	capability	capability	NOUN
fsr-3288	59	49	survey	survey	NOUN
fsr-3288	59	50	(	(	PUNCT
fsr-3288	59	51	nfcs	nfc	NOUN
fsr-3288	59	52	)	)	PUNCT
fsr-3288	59	53	,	,	PUNCT
fsr-3288	59	54	national	national	ADJ
fsr-3288	59	55	longitudinal	longitudinal	ADJ
fsr-3288	59	56	survey	survey	NOUN
fsr-3288	59	57	of	of	ADP
fsr-3288	59	58	youth	youth	NOUN
fsr-3288	59	59	1979	1979	NUM
fsr-3288	59	60	(	(	PUNCT
fsr-3288	59	61	nlsy79	nlsy79	NOUN
fsr-3288	59	62	)	)	PUNCT
fsr-3288	59	63	,	,	PUNCT
fsr-3288	59	64	national	national	ADJ
fsr-3288	59	65	longitudinal	longitudinal	ADJ
fsr-3288	59	66	survey	survey	NOUN
fsr-3288	59	67	of	of	ADP
fsr-3288	59	68	youth	youth	NOUN
fsr-3288	59	69	1997	1997	NUM
fsr-3288	59	70	(	(	PUNCT
fsr-3288	59	71	nlsy97	nlsy97	NOUN
fsr-3288	59	72	)	)	PUNCT
fsr-3288	59	73	,	,	PUNCT
fsr-3288	59	74	and	and	CCONJ
fsr-3288	59	75	survey	survey	NOUN
fsr-3288	59	76	of	of	ADP
fsr-3288	59	77	consumer	consumer	NOUN
fsr-3288	59	78	finances	finance	NOUN
fsr-3288	59	79	(	(	PUNCT
fsr-3288	59	80	scf	scf	PROPN
fsr-3288	59	81	)	)	PUNCT
fsr-3288	59	82	.	.	PUNCT
fsr-3288	60	1	the	the	DET
fsr-3288	60	2	following	follow	VERB
fsr-3288	60	3	discussion	discussion	NOUN
fsr-3288	60	4	highlights	highlight	VERB
fsr-3288	60	5	the	the	DET
fsr-3288	60	6	available	available	ADJ
fsr-3288	60	7	survey	survey	NOUN
fsr-3288	60	8	questions	question	NOUN
fsr-3288	60	9	and	and	CCONJ
fsr-3288	60	10	the	the	DET
fsr-3288	60	11	ways	way	NOUN
fsr-3288	60	12	in	in	ADP
fsr-3288	60	13	which	which	PRON
fsr-3288	60	14	the	the	DET
fsr-3288	60	15	literature	literature	NOUN
fsr-3288	60	16	has	have	AUX
fsr-3288	60	17	used	use	VERB
fsr-3288	60	18	the	the	DET
fsr-3288	60	19	questions	question	NOUN
fsr-3288	60	20	to	to	PART
fsr-3288	60	21	measure	measure	VERB
fsr-3288	60	22	financial	financial	ADJ
fsr-3288	60	23	planner	planner	NOUN
fsr-3288	60	24	use	use	NOUN
fsr-3288	60	25	.	.	PUNCT
fsr-3288	61	1	table	table	NOUN
fsr-3288	61	2	1	1	NUM
fsr-3288	61	3	summarizes	summarize	NOUN
fsr-3288	61	4	each	each	DET
fsr-3288	61	5	dataset	dataset	NOUN
fsr-3288	61	6	’s	’s	PART
fsr-3288	61	7	available	available	ADJ
fsr-3288	61	8	measures	measure	NOUN
fsr-3288	61	9	.	.	PUNCT
fsr-3288	62	1	the	the	DET
fsr-3288	62	2	ahead	ahead	ADJ
fsr-3288	62	3	survey	survey	NOUN
fsr-3288	62	4	,	,	PUNCT
fsr-3288	62	5	which	which	PRON
fsr-3288	62	6	was	be	AUX
fsr-3288	62	7	integrated	integrate	VERB
fsr-3288	62	8	with	with	ADP
fsr-3288	62	9	the	the	DET
fsr-3288	62	10	hrs	hrs	NOUN
fsr-3288	62	11	in	in	ADP
fsr-3288	62	12	1998	1998	NUM
fsr-3288	62	13	,	,	PUNCT
fsr-3288	62	14	contains	contain	VERB
fsr-3288	62	15	a	a	DET
fsr-3288	62	16	question	question	NOUN
fsr-3288	62	17	in	in	ADP
fsr-3288	62	18	1993	1993	NUM
fsr-3288	62	19	and	and	CCONJ
fsr-3288	62	20	1995	1995	NUM
fsr-3288	62	21	that	that	PRON
fsr-3288	62	22	ask	ask	VERB
fsr-3288	62	23	respondents	respondent	NOUN
fsr-3288	62	24	“	"	PUNCT
fsr-3288	62	25	do	do	AUX
fsr-3288	62	26	you	you	PRON
fsr-3288	62	27	have	have	VERB
fsr-3288	62	28	a	a	DET
fsr-3288	62	29	financial	financial	ADJ
fsr-3288	62	30	advisor	advisor	NOUN
fsr-3288	62	31	who	who	PRON
fsr-3288	62	32	helps	help	VERB
fsr-3288	62	33	make	make	VERB
fsr-3288	62	34	decisions	decision	NOUN
fsr-3288	62	35	?	?	PUNCT
fsr-3288	62	36	”	"	PUNCT
fsr-3288	62	37	only	only	ADV
fsr-3288	62	38	one	one	NUM
fsr-3288	62	39	study	study	NOUN
fsr-3288	62	40	published	publish	VERB
fsr-3288	62	41	in	in	ADP
fsr-3288	62	42	the	the	DET
fsr-3288	62	43	journals	journal	NOUN
fsr-3288	62	44	reviewed	review	VERB
fsr-3288	62	45	used	use	VERB
fsr-3288	62	46	this	this	DET
fsr-3288	62	47	question	question	NOUN
fsr-3288	62	48	;	;	PUNCT
fsr-3288	62	49	cummings	cummings	PROPN
fsr-3288	62	50	and	and	CCONJ
fsr-3288	62	51	james	james	PROPN
fsr-3288	62	52	(	(	PUNCT
fsr-3288	62	53	2014	2014	NUM
fsr-3288	62	54	)	)	PUNCT
fsr-3288	62	55	analyze	analyze	VERB
fsr-3288	62	56	factors	factor	NOUN
fsr-3288	62	57	associated	associate	VERB
fsr-3288	62	58	with	with	ADP
fsr-3288	62	59	getting	get	VERB
fsr-3288	62	60	and	and	CCONJ
fsr-3288	62	61	dropping	drop	VERB
fsr-3288	62	62	a	a	DET
fsr-3288	62	63	financial	financial	ADJ
fsr-3288	62	64	advisor	advisor	NOUN
fsr-3288	62	65	.	.	PUNCT
fsr-3288	63	1	the	the	DET
fsr-3288	63	2	alp	alp	PROPN
fsr-3288	63	3	has	have	AUX
fsr-3288	63	4	administered	administer	VERB
fsr-3288	63	5	at	at	ADP
fsr-3288	63	6	least	least	ADJ
fsr-3288	63	7	four	four	NUM
fsr-3288	63	8	surveys	survey	NOUN
fsr-3288	63	9	(	(	PUNCT
fsr-3288	63	10	surveys	survey	NOUN
fsr-3288	63	11	5	5	NUM
fsr-3288	63	12	,	,	PUNCT
fsr-3288	63	13	13	13	NUM
fsr-3288	63	14	,	,	PUNCT
fsr-3288	63	15	21	21	NUM
fsr-3288	63	16	,	,	PUNCT
fsr-3288	63	17	and	and	CCONJ
fsr-3288	63	18	332	332	NUM
fsr-3288	63	19	)	)	PUNCT
fsr-3288	63	20	that	that	PRON
fsr-3288	63	21	collect	collect	VERB
fsr-3288	63	22	information	information	NOUN
fsr-3288	63	23	regarding	regard	VERB
fsr-3288	63	24	the	the	DET
fsr-3288	63	25	use	use	NOUN
fsr-3288	63	26	of	of	ADP
fsr-3288	63	27	financial	financial	ADJ
fsr-3288	63	28	professionals	professional	NOUN
fsr-3288	63	29	.	.	PUNCT
fsr-3288	64	1	surveys	survey	NOUN
fsr-3288	64	2	5	5	NUM
fsr-3288	64	3	and	and	CCONJ
fsr-3288	64	4	21	21	NUM
fsr-3288	64	5	asked	ask	VERB
fsr-3288	64	6	whether	whether	SCONJ
fsr-3288	64	7	the	the	DET
fsr-3288	64	8	respondent	respondent	NOUN
fsr-3288	64	9	consulted	consult	VERB
fsr-3288	64	10	“	"	PUNCT
fsr-3288	64	11	a	a	DET
fsr-3288	64	12	financial	financial	ADJ
fsr-3288	64	13	planner	planner	NOUN
fsr-3288	64	14	or	or	CCONJ
fsr-3288	64	15	advisor	advisor	NOUN
fsr-3288	64	16	or	or	CCONJ
fsr-3288	64	17	an	an	DET
fsr-3288	64	18	accountant	accountant	NOUN
fsr-3288	64	19	”	"	PUNCT
fsr-3288	64	20	for	for	ADP
fsr-3288	64	21	retirement	retirement	NOUN
fsr-3288	64	22	planning	planning	NOUN
fsr-3288	64	23	.	.	PUNCT
fsr-3288	65	1	survey	survey	NOUN
fsr-3288	65	2	13	13	NUM
fsr-3288	65	3	of	of	ADP
fsr-3288	65	4	the	the	DET
fsr-3288	65	5	alp	alp	NOUN
fsr-3288	65	6	is	be	AUX
fsr-3288	65	7	especially	especially	ADV
fsr-3288	65	8	note	note	NOUN
fsr-3288	65	9	-	-	PUNCT
fsr-3288	65	10	worthy	worthy	ADJ
fsr-3288	65	11	as	as	SCONJ
fsr-3288	65	12	it	it	PRON
fsr-3288	65	13	includes	include	VERB
fsr-3288	65	14	detailed	detailed	ADJ
fsr-3288	65	15	financial	financial	ADJ
fsr-3288	65	16	service	service	NOUN
fsr-3288	65	17	use	use	NOUN
fsr-3288	65	18	questions	question	NOUN
fsr-3288	65	19	,	,	PUNCT
fsr-3288	65	20	including	include	VERB
fsr-3288	65	21	whether	whether	SCONJ
fsr-3288	65	22	the	the	DET
fsr-3288	65	23	respondent	respondent	NOUN
fsr-3288	65	24	uses	use	VERB
fsr-3288	65	25	a	a	DET
fsr-3288	65	26	financial	financial	ADJ
fsr-3288	65	27	professional	professional	NOUN
fsr-3288	65	28	,	,	PUNCT
fsr-3288	65	29	how	how	SCONJ
fsr-3288	65	30	the	the	DET
fsr-3288	65	31	professional(s	professional(s	NOUN
fsr-3288	65	32	)	)	PUNCT
fsr-3288	65	33	is	be	AUX
fsr-3288	65	34	compensated	compensate	VERB
fsr-3288	65	35	,	,	PUNCT
fsr-3288	65	36	how	how	SCONJ
fsr-3288	65	37	long	long	ADV
fsr-3288	65	38	they	they	PRON
fsr-3288	65	39	have	have	AUX
fsr-3288	65	40	been	be	AUX
fsr-3288	65	41	doing	do	VERB
fsr-3288	65	42	business	business	NOUN
fsr-3288	65	43	,	,	PUNCT
fsr-3288	65	44	and	and	CCONJ
fsr-3288	65	45	how	how	SCONJ
fsr-3288	65	46	satisfied	satisfied	ADJ
fsr-3288	65	47	they	they	PRON
fsr-3288	65	48	are	be	AUX
fsr-3288	65	49	with	with	ADP
fsr-3288	65	50	the	the	DET
fsr-3288	65	51	services	service	NOUN
fsr-3288	65	52	.	.	PUNCT
fsr-3288	66	1	survey	survey	VERB
fsr-3288	66	2	33	33	NUM
fsr-3288	66	3	asks	ask	VERB
fsr-3288	66	4	whether	whether	SCONJ
fsr-3288	66	5	respondents	respondent	NOUN
fsr-3288	66	6	relied	rely	VERB
fsr-3288	66	7	on	on	ADP
fsr-3288	66	8	a	a	DET
fsr-3288	66	9	broker	broker	NOUN
fsr-3288	66	10	of	of	ADP
fsr-3288	66	11	financial	financial	ADJ
fsr-3288	66	12	advisor	advisor	NOUN
fsr-3288	66	13	for	for	ADP
fsr-3288	66	14	retirement	retirement	NOUN
fsr-3288	66	15	planning	planning	NOUN
fsr-3288	66	16	.	.	PUNCT
fsr-3288	67	1	our	our	PRON
fsr-3288	67	2	analysis	analysis	NOUN
fsr-3288	67	3	indicates	indicate	VERB
fsr-3288	67	4	that	that	SCONJ
fsr-3288	67	5	only	only	ADV
fsr-3288	67	6	one	one	NUM
fsr-3288	67	7	study	study	NOUN
fsr-3288	67	8	in	in	ADP
fsr-3288	67	9	the	the	DET
fsr-3288	67	10	journals	journal	NOUN
fsr-3288	67	11	reviewed	review	VERB
fsr-3288	67	12	has	have	AUX
fsr-3288	67	13	used	use	VERB
fsr-3288	67	14	a	a	DET
fsr-3288	67	15	financial	financial	ADJ
fsr-3288	67	16	professional	professional	ADJ
fsr-3288	67	17	use	use	NOUN
fsr-3288	67	18	measure	measure	NOUN
fsr-3288	67	19	from	from	ADP
fsr-3288	67	20	the	the	DET
fsr-3288	67	21	alp3	alp3	NOUN
fsr-3288	67	22	:	:	PUNCT
fsr-3288	67	23	knoll	knoll	NOUN
fsr-3288	67	24	and	and	CCONJ
fsr-3288	67	25	houts	hout	NOUN
fsr-3288	67	26	(	(	PUNCT
fsr-3288	67	27	2012	2012	NUM
fsr-3288	67	28	)	)	PUNCT
fsr-3288	67	29	use	use	VERB
fsr-3288	67	30	a	a	DET
fsr-3288	67	31	concatenated	concatenate	VERB
fsr-3288	67	32	sample	sample	NOUN
fsr-3288	67	33	of	of	ADP
fsr-3288	67	34	the	the	DET
fsr-3288	67	35	alp	alp	PROPN
fsr-3288	67	36	,	,	PUNCT
fsr-3288	67	37	hrs	hrs	NOUN
fsr-3288	67	38	,	,	PUNCT
fsr-3288	67	39	and	and	CCONJ
fsr-3288	67	40	nfcs	nfc	NOUN
fsr-3288	67	41	to	to	PART
fsr-3288	67	42	investigate	investigate	VERB
fsr-3288	67	43	financial	financial	ADJ
fsr-3288	67	44	literacy	literacy	NOUN
fsr-3288	67	45	.	.	PUNCT
fsr-3288	68	1	they	they	PRON
fsr-3288	68	2	assess	assess	VERB
fsr-3288	68	3	the	the	DET
fsr-3288	68	4	validity	validity	NOUN
fsr-3288	68	5	of	of	ADP
fsr-3288	68	6	their	their	PRON
fsr-3288	68	7	financial	financial	ADJ
fsr-3288	68	8	literacy	literacy	NOUN
fsr-3288	68	9	measure	measure	NOUN
fsr-3288	68	10	by	by	ADP
fsr-3288	68	11	correlating	correlate	VERB
fsr-3288	68	12	it	it	PRON
fsr-3288	68	13	with	with	ADP
fsr-3288	68	14	“	"	PUNCT
fsr-3288	68	15	financial	financial	ADJ
fsr-3288	68	16	planner	planner	NOUN
fsr-3288	68	17	use	use	NOUN
fsr-3288	68	18	,	,	PUNCT
fsr-3288	68	19	”	"	PUNCT
fsr-3288	68	20	which	which	PRON
fsr-3288	68	21	was	be	AUX
fsr-3288	68	22	measured	measure	VERB
fsr-3288	68	23	using	use	VERB
fsr-3288	68	24	the	the	DET
fsr-3288	68	25	questions	question	NOUN
fsr-3288	68	26	from	from	ADP
fsr-3288	68	27	the	the	DET
fsr-3288	68	28	2004	2004	NUM
fsr-3288	68	29	hrs	hrs	NOUN
fsr-3288	68	30	and	and	CCONJ
fsr-3288	68	31	alp	alp	NOUN
fsr-3288	68	32	surveys	survey	NOUN
fsr-3288	68	33	5	5	NUM
fsr-3288	68	34	and	and	CCONJ
fsr-3288	68	35	21.4	21.4	NUM
fsr-3288	68	36	note	note	NOUN
fsr-3288	68	37	that	that	SCONJ
fsr-3288	68	38	the	the	DET
fsr-3288	68	39	2004	2004	NUM
fsr-3288	68	40	hrs	hrs	NOUN
fsr-3288	68	41	questions	question	NOUN
fsr-3288	68	42	and	and	CCONJ
fsr-3288	68	43	alp	alp	NOUN
fsr-3288	68	44	questions	question	NOUN
fsr-3288	68	45	from	from	ADP
fsr-3288	68	46	surveys	survey	NOUN
fsr-3288	68	47	5	5	NUM
fsr-3288	68	48	and	and	CCONJ
fsr-3288	68	49	21	21	NUM
fsr-3288	68	50	are	be	AUX
fsr-3288	68	51	the	the	DET
fsr-3288	68	52	same	same	ADJ
fsr-3288	68	53	question	question	NOUN
fsr-3288	68	54	asked	ask	VERB
fsr-3288	68	55	with	with	ADP
fsr-3288	68	56	the	the	DET
fsr-3288	68	57	same	same	ADJ
fsr-3288	68	58	lead	lead	NOUN
fsr-3288	68	59	-	-	PUNCT
fsr-3288	68	60	in	in	ADP
fsr-3288	68	61	questions	question	NOUN
fsr-3288	68	62	about	about	ADP
fsr-3288	68	63	retirement	retirement	NOUN
fsr-3288	68	64	planning	planning	NOUN
fsr-3288	68	65	.	.	PUNCT
fsr-3288	69	1	the	the	DET
fsr-3288	69	2	hrs	hrs	NOUN
fsr-3288	69	3	has	have	VERB
fsr-3288	69	4	several	several	ADJ
fsr-3288	69	5	different	different	ADJ
fsr-3288	69	6	measures	measure	NOUN
fsr-3288	69	7	of	of	ADP
fsr-3288	69	8	financial	financial	ADJ
fsr-3288	69	9	planner	planner	NOUN
fsr-3288	69	10	use	use	NOUN
fsr-3288	69	11	.	.	PUNCT
fsr-3288	70	1	a	a	DET
fsr-3288	70	2	topical	topical	ADJ
fsr-3288	70	3	module	module	NOUN
fsr-3288	70	4	in	in	ADP
fsr-3288	70	5	2000	2000	NUM
fsr-3288	70	6	asks	ask	VERB
fsr-3288	70	7	preretirees	preretiree	NOUN
fsr-3288	70	8	if	if	SCONJ
fsr-3288	70	9	they	they	PRON
fsr-3288	70	10	consulted	consult	VERB
fsr-3288	70	11	a	a	DET
fsr-3288	70	12	financial	financial	ADJ
fsr-3288	70	13	planner	planner	NOUN
fsr-3288	70	14	for	for	ADP
fsr-3288	70	15	retirement	retirement	NOUN
fsr-3288	70	16	savings	saving	NOUN
fsr-3288	70	17	and	and	CCONJ
fsr-3288	70	18	asks	ask	VERB
fsr-3288	70	19	retirees	retiree	NOUN
fsr-3288	70	20	to	to	PART
fsr-3288	70	21	(	(	PUNCT
fsr-3288	70	22	retrospectively	retrospectively	ADV
fsr-3288	70	23	)	)	PUNCT
fsr-3288	70	24	indicate	indicate	VERB
fsr-3288	70	25	if	if	SCONJ
fsr-3288	70	26	they	they	PRON
fsr-3288	70	27	consulted	consult	VERB
fsr-3288	70	28	a	a	DET
fsr-3288	70	29	financial	financial	ADJ
fsr-3288	70	30	planner	planner	NOUN
fsr-3288	70	31	in	in	ADP
fsr-3288	70	32	their	their	PRON
fsr-3288	70	33	preretirement	preretirement	ADJ
fsr-3288	70	34	years	year	NOUN
fsr-3288	70	35	.	.	PUNCT
fsr-3288	71	1	a	a	DET
fsr-3288	71	2	different	different	ADJ
fsr-3288	71	3	2004	2004	NUM
fsr-3288	71	4	topical	topical	ADJ
fsr-3288	71	5	module	module	NOUN
fsr-3288	71	6	asks	ask	VERB
fsr-3288	71	7	respondents	respondent	NOUN
fsr-3288	71	8	if	if	SCONJ
fsr-3288	71	9	,	,	PUNCT
fsr-3288	71	10	in	in	ADP
fsr-3288	71	11	the	the	DET
fsr-3288	71	12	context	context	NOUN
fsr-3288	71	13	of	of	ADP
fsr-3288	71	14	retirement	retirement	NOUN
fsr-3288	71	15	planning	planning	NOUN
fsr-3288	71	16	,	,	PUNCT
fsr-3288	71	17	they	they	PRON
fsr-3288	71	18	had	have	VERB
fsr-3288	71	19	“	"	PUNCT
fsr-3288	71	20	.	.	PUNCT
fsr-3288	71	21	.	.	PUNCT
fsr-3288	71	22	.	.	PUNCT
fsr-3288	72	1	consulted	consult	VERB
fsr-3288	72	2	a	a	DET
fsr-3288	72	3	financial	financial	ADJ
fsr-3288	72	4	planner	planner	NOUN
fsr-3288	72	5	or	or	CCONJ
fsr-3288	72	6	advisor	advisor	NOUN
fsr-3288	72	7	or	or	CCONJ
fsr-3288	72	8	an	an	DET
fsr-3288	72	9	accountant	accountant	NOUN
fsr-3288	72	10	.	.	PUNCT
fsr-3288	72	11	”	"	PUNCT
fsr-3288	73	1	the	the	DET
fsr-3288	73	2	2014	2014	NUM
fsr-3288	73	3	hrs	hrs	NOUN
fsr-3288	73	4	asks	ask	VERB
fsr-3288	73	5	430	430	NUM
fsr-3288	73	6	s.j	s.j	PROPN
fsr-3288	73	7	.	.	PUNCT
fsr-3288	74	1	heckman	heckman	PROPN
fsr-3288	74	2	et	et	PROPN
fsr-3288	74	3	al	al	PROPN
fsr-3288	74	4	.	.	PUNCT
fsr-3288	74	5	/	/	SYM
fsr-3288	74	6	financial	financial	ADJ
fsr-3288	74	7	services	service	NOUN
fsr-3288	74	8	review	review	VERB
fsr-3288	74	9	25	25	NUM
fsr-3288	74	10	(	(	PUNCT
fsr-3288	74	11	2016	2016	NUM
fsr-3288	74	12	)	)	PUNCT
fsr-3288	74	13	427–446	427–446	NUM
fsr-3288	74	14	table	table	NOUN
fsr-3288	74	15	1	1	NUM
fsr-3288	74	16	review	review	NOUN
fsr-3288	74	17	of	of	ADP
fsr-3288	74	18	public	public	ADJ
fsr-3288	74	19	,	,	PUNCT
fsr-3288	74	20	nationally	nationally	ADV
fsr-3288	74	21	representative	representative	ADJ
fsr-3288	74	22	datasets	dataset	NOUN
fsr-3288	74	23	dataset	dataset	VERB
fsr-3288	74	24	question	question	NOUN
fsr-3288	74	25	text	text	NOUN
fsr-3288	74	26	of	of	ADP
fsr-3288	74	27	available	available	ADJ
fsr-3288	74	28	measuresa	measuresa	ADJ
fsr-3288	74	29	variable	variable	ADJ
fsr-3288	74	30	numbers	number	NOUN
fsr-3288	74	31	notes	note	VERB
fsr-3288	74	32	ahead	ahead	ADV
fsr-3288	74	33	do	do	AUX
fsr-3288	74	34	you	you	PRON
fsr-3288	74	35	have	have	VERB
fsr-3288	74	36	a	a	DET
fsr-3288	74	37	financial	financial	ADJ
fsr-3288	74	38	advisor	advisor	NOUN
fsr-3288	74	39	that	that	PRON
fsr-3288	74	40	helps	help	VERB
fsr-3288	74	41	make	make	VERB
fsr-3288	74	42	decisions	decision	NOUN
fsr-3288	74	43	?	?	PUNCT
fsr-3288	75	1	v1921	v1921	NOUN
fsr-3288	75	2	(	(	PUNCT
fsr-3288	75	3	1993	1993	NUM
fsr-3288	75	4	)	)	PUNCT
fsr-3288	75	5	merged	merge	VERB
fsr-3288	75	6	with	with	ADP
fsr-3288	75	7	the	the	DET
fsr-3288	75	8	hrs	hrs	NOUN
fsr-3288	75	9	dataset	dataset	NOUN
fsr-3288	75	10	in	in	ADP
fsr-3288	75	11	1998	1998	NUM
fsr-3288	75	12	;	;	PUNCT
fsr-3288	75	13	question	question	NOUN
fsr-3288	75	14	has	have	AUX
fsr-3288	75	15	not	not	PART
fsr-3288	75	16	used	use	VERB
fsr-3288	75	17	since	since	ADV
fsr-3288	75	18	.	.	PUNCT
fsr-3288	76	1	d5318	d5318	PROPN
fsr-3288	76	2	(	(	PUNCT
fsr-3288	76	3	1995	1995	NUM
fsr-3288	76	4	)	)	PUNCT
fsr-3288	76	5	alp	alp	PROPN
fsr-3288	76	6	survey	survey	NOUN
fsr-3288	76	7	5	5	NUM
fsr-3288	76	8	and	and	CCONJ
fsr-3288	76	9	21	21	NUM
fsr-3288	76	10	(	(	PUNCT
fsr-3288	76	11	lead	lead	VERB
fsr-3288	76	12	questions	question	NOUN
fsr-3288	76	13	:	:	PUNCT
fsr-3288	76	14	have	have	AUX
fsr-3288	76	15	you	you	PRON
fsr-3288	76	16	ever	ever	ADV
fsr-3288	76	17	tried	try	VERB
fsr-3288	76	18	to	to	PART
fsr-3288	76	19	figure	figure	VERB
fsr-3288	76	20	out	out	ADP
fsr-3288	76	21	how	how	SCONJ
fsr-3288	76	22	much	much	ADJ
fsr-3288	76	23	your	your	PRON
fsr-3288	76	24	household	household	NOUN
fsr-3288	76	25	would	would	AUX
fsr-3288	76	26	need	need	VERB
fsr-3288	76	27	to	to	PART
fsr-3288	76	28	save	save	VERB
fsr-3288	76	29	for	for	ADP
fsr-3288	76	30	retirement	retirement	NOUN
fsr-3288	76	31	?	?	PUNCT
fsr-3288	77	1	tell	tell	VERB
fsr-3288	77	2	me	i	PRON
fsr-3288	77	3	about	about	ADP
fsr-3288	77	4	the	the	DET
fsr-3288	77	5	ways	way	NOUN
fsr-3288	77	6	you	you	PRON
fsr-3288	77	7	tried	try	VERB
fsr-3288	77	8	to	to	PART
fsr-3288	77	9	figure	figure	VERB
fsr-3288	77	10	out	out	ADP
fsr-3288	77	11	how	how	SCONJ
fsr-3288	77	12	much	much	ADJ
fsr-3288	77	13	your	your	PRON
fsr-3288	77	14	household	household	NOUN
fsr-3288	77	15	would	would	AUX
fsr-3288	77	16	need	need	VERB
fsr-3288	77	17	.	.	PUNCT
fsr-3288	77	18	)	)	PUNCT
fsr-3288	78	1	same	same	ADJ
fsr-3288	78	2	questions	question	NOUN
fsr-3288	78	3	as	as	ADP
fsr-3288	78	4	hrs	hrs	NOUN
fsr-3288	78	5	retirement	retirement	NOUN
fsr-3288	78	6	planning	planning	NOUN
fsr-3288	78	7	questions	question	NOUN
fsr-3288	78	8	.	.	PUNCT
fsr-3288	79	1	questions	question	NOUN
fsr-3288	79	2	in	in	ADP
fsr-3288	79	3	survey	survey	NOUN
fsr-3288	79	4	13	13	NUM
fsr-3288	79	5	are	be	AUX
fsr-3288	79	6	asked	ask	VERB
fsr-3288	79	7	for	for	ADP
fsr-3288	79	8	up	up	ADP
fsr-3288	79	9	to	to	PART
fsr-3288	79	10	5	5	NUM
fsr-3288	79	11	different	different	ADJ
fsr-3288	79	12	individual	individual	ADJ
fsr-3288	79	13	professionals	professional	NOUN
fsr-3288	79	14	and	and	CCONJ
fsr-3288	79	15	firms	firm	NOUN
fsr-3288	79	16	.	.	PUNCT
fsr-3288	80	1	did	do	AUX
fsr-3288	80	2	you	you	PRON
fsr-3288	80	3	consult	consult	VERB
fsr-3288	80	4	a	a	DET
fsr-3288	80	5	financial	financial	ADJ
fsr-3288	80	6	planner	planner	NOUN
fsr-3288	80	7	or	or	CCONJ
fsr-3288	80	8	advisor	advisor	NOUN
fsr-3288	80	9	or	or	CCONJ
fsr-3288	80	10	an	an	DET
fsr-3288	80	11	accountant	accountant	NOUN
fsr-3288	80	12	?	?	PUNCT
fsr-3288	81	1	r003_5	r003_5	PROPN
fsr-3288	81	2	survey	survey	NOUN
fsr-3288	81	3	13	13	NUM
fsr-3288	81	4	do	do	AUX
fsr-3288	81	5	you	you	PRON
fsr-3288	81	6	currently	currently	ADV
fsr-3288	81	7	use	use	VERB
fsr-3288	81	8	any	any	DET
fsr-3288	81	9	professional	professional	ADJ
fsr-3288	81	10	financial	financial	ADJ
fsr-3288	81	11	service	service	NOUN
fsr-3288	81	12	providers	provider	NOUN
fsr-3288	81	13	—	—	PUNCT
fsr-3288	81	14	include	include	VERB
fsr-3288	81	15	individual	individual	ADJ
fsr-3288	81	16	professionals	professional	NOUN
fsr-3288	81	17	and/or	and/or	CCONJ
fsr-3288	81	18	firms	firm	NOUN
fsr-3288	81	19	—	—	PUNCT
fsr-3288	81	20	for	for	ADP
fsr-3288	81	21	:	:	PUNCT
fsr-3288	81	22	conducting	conduct	VERB
fsr-3288	81	23	stock	stock	NOUN
fsr-3288	81	24	market	market	NOUN
fsr-3288	81	25	and/or	and/or	CCONJ
fsr-3288	81	26	mutual	mutual	ADJ
fsr-3288	81	27	fund	fund	NOUN
fsr-3288	81	28	transactions	transaction	NOUN
fsr-3288	81	29	:	:	PUNCT
fsr-3288	81	30	(	(	PUNCT
fsr-3288	81	31	e.g.	e.g.	ADV
fsr-3288	81	32	,	,	PUNCT
fsr-3288	81	33	,	,	PUNCT
fsr-3288	81	34	purchases	purchase	NOUN
fsr-3288	81	35	and	and	CCONJ
fsr-3288	81	36	sales	sale	NOUN
fsr-3288	81	37	of	of	ADP
fsr-3288	81	38	stocks	stock	NOUN
fsr-3288	81	39	,	,	PUNCT
fsr-3288	81	40	shares	share	NOUN
fsr-3288	81	41	in	in	ADP
fsr-3288	81	42	mutual	mutual	ADJ
fsr-3288	81	43	funds	fund	NOUN
fsr-3288	81	44	,	,	PUNCT
fsr-3288	81	45	options	option	NOUN
fsr-3288	81	46	contracts	contract	NOUN
fsr-3288	81	47	,	,	PUNCT
fsr-3288	81	48	short	short	ADJ
fsr-3288	81	49	selling	selling	NOUN
fsr-3288	81	50	,	,	PUNCT
fsr-3288	81	51	and	and	CCONJ
fsr-3288	81	52	so	so	ADV
fsr-3288	81	53	forth	forth	ADV
fsr-3288	81	54	)	)	PUNCT
fsr-3288	81	55	.	.	PUNCT
fsr-3288	82	1	please	please	AUX
fsr-3288	82	2	exclude	exclude	VERB
fsr-3288	82	3	transactions	transaction	NOUN
fsr-3288	82	4	that	that	PRON
fsr-3288	82	5	involve	involve	VERB
fsr-3288	82	6	an	an	DET
fsr-3288	82	7	employer	employer	NOUN
fsr-3288	82	8	sponsored	sponsor	VERB
fsr-3288	82	9	retirement	retirement	NOUN
fsr-3288	82	10	account	account	NOUN
fsr-3288	82	11	.	.	PUNCT
fsr-3288	83	1	advising	advise	VERB
fsr-3288	83	2	,	,	PUNCT
fsr-3288	83	3	management	management	NOUN
fsr-3288	83	4	,	,	PUNCT
fsr-3288	83	5	and/or	and/or	CCONJ
fsr-3288	83	6	planning	plan	VERB
fsr-3288	83	7	:	:	PUNCT
fsr-3288	83	8	(	(	PUNCT
fsr-3288	83	9	e.g.	e.g.	ADV
fsr-3288	83	10	,	,	PUNCT
fsr-3288	83	11	financial	financial	ADJ
fsr-3288	83	12	advising	advising	NOUN
fsr-3288	83	13	,	,	PUNCT
fsr-3288	83	14	investment	investment	NOUN
fsr-3288	83	15	advising	advising	NOUN
fsr-3288	83	16	,	,	PUNCT
fsr-3288	83	17	financial	financial	ADJ
fsr-3288	83	18	planning	planning	NOUN
fsr-3288	83	19	,	,	PUNCT
fsr-3288	83	20	money	money	NOUN
fsr-3288	83	21	management	management	NOUN
fsr-3288	83	22	,	,	PUNCT
fsr-3288	83	23	retirement	retirement	NOUN
fsr-3288	83	24	planning	planning	NOUN
fsr-3288	83	25	,	,	PUNCT
fsr-3288	83	26	estate	estate	NOUN
fsr-3288	83	27	planning	planning	NOUN
fsr-3288	83	28	,	,	PUNCT
fsr-3288	83	29	and	and	CCONJ
fsr-3288	83	30	so	so	ADV
fsr-3288	83	31	forth	forth	ADV
fsr-3288	83	32	)	)	PUNCT
fsr-3288	83	33	.	.	PUNCT
fsr-3288	84	1	check	check	VERB
fsr-3288	84	2	all	all	DET
fsr-3288	84	3	that	that	PRON
fsr-3288	84	4	apply	apply	VERB
fsr-3288	84	5	.	.	PUNCT
fsr-3288	85	1	fs1	fs1	PROPN
fsr-3288	85	2	first	first	ADV
fsr-3288	85	3	we	we	PRON
fsr-3288	85	4	would	would	AUX
fsr-3288	85	5	like	like	VERB
fsr-3288	85	6	to	to	PART
fsr-3288	85	7	ask	ask	VERB
fsr-3288	85	8	you	you	PRON
fsr-3288	85	9	about	about	ADP
fsr-3288	85	10	[	[	X
fsr-3288	85	11	conducting	conduct	VERB
fsr-3288	85	12	stock	stock	NOUN
fsr-3288	85	13	market	market	NOUN
fsr-3288	85	14	and/or	and/or	CCONJ
fsr-3288	85	15	mutual	mutual	ADJ
fsr-3288	85	16	fund	fund	NOUN
fsr-3288	85	17	transactions/	transactions/	NUM
fsr-3288	85	18	advising	advising	NOUN
fsr-3288	85	19	,	,	PUNCT
fsr-3288	85	20	management	management	NOUN
fsr-3288	85	21	,	,	PUNCT
fsr-3288	85	22	and/or	and/or	CCONJ
fsr-3288	85	23	planning	plan	VERB
fsr-3288	85	24	]	]	PUNCT
fsr-3288	85	25	.	.	PUNCT
fsr-3288	86	1	is	be	AUX
fsr-3288	86	2	there	there	PRON
fsr-3288	86	3	an	an	DET
fsr-3288	86	4	individual	individual	ADJ
fsr-3288	86	5	professional	professional	NOUN
fsr-3288	86	6	with	with	ADP
fsr-3288	86	7	whom	whom	PRON
fsr-3288	86	8	you	you	PRON
fsr-3288	86	9	personally	personally	ADV
fsr-3288	86	10	interact	interact	VERB
fsr-3288	86	11	regarding	regard	VERB
fsr-3288	86	12	[	[	X
fsr-3288	86	13	conducting	conduct	VERB
fsr-3288	86	14	stock	stock	NOUN
fsr-3288	86	15	market	market	NOUN
fsr-3288	86	16	and/or	and/or	CCONJ
fsr-3288	86	17	mutual	mutual	ADJ
fsr-3288	86	18	fund	fund	NOUN
fsr-3288	86	19	transactions/	transactions/	NUM
fsr-3288	86	20	advising	advising	NOUN
fsr-3288	86	21	,	,	PUNCT
fsr-3288	86	22	management	management	NOUN
fsr-3288	86	23	,	,	PUNCT
fsr-3288	86	24	and/or	and/or	CCONJ
fsr-3288	86	25	planning	plan	VERB
fsr-3288	86	26	]	]	PUNCT
fsr-3288	86	27	services	service	NOUN
fsr-3288	86	28	?	?	PUNCT
fsr-3288	87	1	fs2	fs2	PROPN
fsr-3288	87	2	how	how	SCONJ
fsr-3288	87	3	do	do	AUX
fsr-3288	87	4	you	you	PRON
fsr-3288	87	5	pay	pay	VERB
fsr-3288	87	6	this	this	PRON
fsr-3288	88	1	[	[	X
fsr-3288	88	2	individual	individual	ADJ
fsr-3288	88	3	professional/	professional/	NUM
fsr-3288	88	4	firm	firm	NOUN
fsr-3288	88	5	]	]	PUNCT
fsr-3288	88	6	for	for	ADP
fsr-3288	88	7	[	[	X
fsr-3288	88	8	conducting	conduct	VERB
fsr-3288	88	9	stock	stock	NOUN
fsr-3288	88	10	market	market	NOUN
fsr-3288	88	11	and/or	and/or	CCONJ
fsr-3288	88	12	mutual	mutual	ADJ
fsr-3288	88	13	fund	fund	NOUN
fsr-3288	88	14	transactions	transaction	NOUN
fsr-3288	88	15	/	/	SYM
fsr-3288	88	16	advising	advise	VERB
fsr-3288	88	17	,	,	PUNCT
fsr-3288	88	18	management	management	NOUN
fsr-3288	88	19	,	,	PUNCT
fsr-3288	88	20	and/or	and/or	CCONJ
fsr-3288	88	21	planning	plan	VERB
fsr-3288	88	22	]	]	PUNCT
fsr-3288	88	23	services	service	NOUN
fsr-3288	88	24	?	?	PUNCT
fsr-3288	89	1	please	please	INTJ
fsr-3288	89	2	check	check	VERB
fsr-3288	89	3	all	all	PRON
fsr-3288	89	4	that	that	PRON
fsr-3288	89	5	apply	apply	VERB
fsr-3288	89	6	[	[	X
fsr-3288	89	7	commission	commission	NOUN
fsr-3288	89	8	(	(	PUNCT
fsr-3288	89	9	e.g.	e.g.	ADV
fsr-3288	89	10	,	,	PUNCT
fsr-3288	89	11	per	per	ADP
fsr-3288	89	12	transaction	transaction	NOUN
fsr-3288	89	13	)	)	PUNCT
fsr-3288	89	14	,	,	PUNCT
fsr-3288	89	15	hourly	hourly	ADV
fsr-3288	89	16	,	,	PUNCT
fsr-3288	89	17	monthly	monthly	ADJ
fsr-3288	89	18	,	,	PUNCT
fsr-3288	89	19	or	or	CCONJ
fsr-3288	89	20	annual	annual	ADJ
fsr-3288	89	21	rate	rate	NOUN
fsr-3288	89	22	,	,	PUNCT
fsr-3288	89	23	flat	flat	ADJ
fsr-3288	89	24	fee	fee	NOUN
fsr-3288	89	25	,	,	PUNCT
fsr-3288	89	26	percentage	percentage	NOUN
fsr-3288	89	27	fee	fee	NOUN
fsr-3288	89	28	(	(	PUNCT
fsr-3288	89	29	e.g.	e.g.	ADV
fsr-3288	89	30	,	,	PUNCT
fsr-3288	89	31	%	%	NOUN
fsr-3288	89	32	of	of	ADP
fsr-3288	89	33	my	my	PRON
fsr-3288	89	34	account	account	NOUN
fsr-3288	89	35	balance	balance	NOUN
fsr-3288	89	36	)	)	PUNCT
fsr-3288	89	37	,	,	PUNCT
fsr-3288	89	38	other	other	ADJ
fsr-3288	89	39	]	]	PUNCT
fsr-3288	89	40	fs5	fs5	NOUN
fsr-3288	89	41	what	what	PRON
fsr-3288	89	42	is	be	AUX
fsr-3288	89	43	the	the	DET
fsr-3288	89	44	rate	rate	NOUN
fsr-3288	89	45	that	that	PRON
fsr-3288	89	46	you	you	PRON
fsr-3288	89	47	pay	pay	VERB
fsr-3288	89	48	for	for	ADP
fsr-3288	89	49	[	[	X
fsr-3288	89	50	conducting	conduct	VERB
fsr-3288	89	51	stock	stock	NOUN
fsr-3288	89	52	market	market	NOUN
fsr-3288	89	53	and/or	and/or	CCONJ
fsr-3288	89	54	mutual	mutual	ADJ
fsr-3288	89	55	fund	fund	NOUN
fsr-3288	89	56	transactions/	transactions/	NUM
fsr-3288	89	57	advising	advising	NOUN
fsr-3288	89	58	,	,	PUNCT
fsr-3288	89	59	management	management	NOUN
fsr-3288	89	60	,	,	PUNCT
fsr-3288	89	61	and/or	and/or	CCONJ
fsr-3288	89	62	planning	plan	VERB
fsr-3288	89	63	]	]	PUNCT
fsr-3288	89	64	services	service	NOUN
fsr-3288	89	65	?	?	PUNCT
fsr-3288	90	1	fs5b	fs5b	PROPN
fsr-3288	90	2	about	about	ADP
fsr-3288	90	3	how	how	SCONJ
fsr-3288	90	4	long	long	ADV
fsr-3288	90	5	have	have	AUX
fsr-3288	90	6	you	you	PRON
fsr-3288	90	7	been	be	AUX
fsr-3288	90	8	doing	do	VERB
fsr-3288	90	9	business	business	NOUN
fsr-3288	90	10	with	with	ADP
fsr-3288	90	11	this	this	DET
fsr-3288	90	12	[	[	X
fsr-3288	90	13	individual	individual	ADJ
fsr-3288	90	14	professional	professional	ADJ
fsr-3288	90	15	/	/	SYM
fsr-3288	90	16	firm	firm	NOUN
fsr-3288	90	17	]	]	PUNCT
fsr-3288	90	18	?	?	PUNCT
fsr-3288	91	1	fs7	fs7	PROPN
fsr-3288	91	2	survey	survey	NOUN
fsr-3288	91	3	33	33	NUM
fsr-3288	91	4	for	for	ADP
fsr-3288	91	5	your	your	PRON
fsr-3288	91	6	retirement	retirement	NOUN
fsr-3288	91	7	planning	planning	NOUN
fsr-3288	91	8	,	,	PUNCT
fsr-3288	91	9	do	do	AUX
fsr-3288	91	10	you	you	PRON
fsr-3288	91	11	rely	rely	VERB
fsr-3288	91	12	on	on	ADP
fsr-3288	91	13	financial	financial	ADJ
fsr-3288	91	14	software	software	NOUN
fsr-3288	91	15	,	,	PUNCT
fsr-3288	91	16	a	a	DET
fsr-3288	91	17	website	website	NOUN
fsr-3288	91	18	with	with	ADP
fsr-3288	91	19	a	a	DET
fsr-3288	91	20	financial	financial	ADJ
fsr-3288	91	21	calculator	calculator	NOUN
fsr-3288	91	22	,	,	PUNCT
fsr-3288	91	23	or	or	CCONJ
fsr-3288	91	24	a	a	DET
fsr-3288	91	25	broker	broker	NOUN
fsr-3288	91	26	or	or	CCONJ
fsr-3288	91	27	financial	financial	ADJ
fsr-3288	91	28	advisor	advisor	NOUN
fsr-3288	91	29	?	?	PUNCT
fsr-3288	92	1	you	you	PRON
fsr-3288	92	2	may	may	AUX
fsr-3288	92	3	check	check	VERB
fsr-3288	92	4	several	several	ADJ
fsr-3288	92	5	answers	answer	NOUN
fsr-3288	92	6	.	.	PUNCT
fsr-3288	93	1	fsftexp	fsftexp	VERB
fsr-3288	93	2	hrsa	hrsa	NOUN
fsr-3288	93	3	(	(	PUNCT
fsr-3288	93	4	lead	lead	NOUN
fsr-3288	93	5	question	question	NOUN
fsr-3288	93	6	:	:	PUNCT
fsr-3288	93	7	have	have	AUX
fsr-3288	93	8	you	you	PRON
fsr-3288	93	9	ever	ever	ADV
fsr-3288	93	10	made	make	VERB
fsr-3288	93	11	a	a	DET
fsr-3288	93	12	plan	plan	NOUN
fsr-3288	93	13	and	and	CCONJ
fsr-3288	93	14	calculated	calculate	VERB
fsr-3288	93	15	what	what	PRON
fsr-3288	93	16	you	you	PRON
fsr-3288	93	17	would	would	AUX
fsr-3288	93	18	need	need	VERB
fsr-3288	93	19	at	at	ADP
fsr-3288	93	20	retirement	retirement	NOUN
fsr-3288	93	21	?	?	PUNCT
fsr-3288	93	22	)	)	PUNCT
fsr-3288	94	1	g6802	g6802	NOUN
fsr-3288	94	2	is	be	AUX
fsr-3288	94	3	asked	ask	VERB
fsr-3288	94	4	of	of	ADP
fsr-3288	94	5	preretirees	preretiree	NOUN
fsr-3288	94	6	.	.	PUNCT
fsr-3288	95	1	did	do	AUX
fsr-3288	95	2	you	you	PRON
fsr-3288	95	3	consult	consult	VERB
fsr-3288	95	4	a	a	DET
fsr-3288	95	5	financial	financial	ADJ
fsr-3288	95	6	planner	planner	NOUN
fsr-3288	95	7	?	?	PUNCT
fsr-3288	96	1	(	(	PUNCT
fsr-3288	96	2	lead	lead	NOUN
fsr-3288	96	3	question	question	NOUN
fsr-3288	96	4	:	:	PUNCT
fsr-3288	96	5	before	before	SCONJ
fsr-3288	96	6	you	you	PRON
fsr-3288	96	7	retired	retire	VERB
fsr-3288	96	8	did	do	AUX
fsr-3288	96	9	you	you	PRON
fsr-3288	96	10	make	make	VERB
fsr-3288	96	11	a	a	DET
fsr-3288	96	12	plan	plan	NOUN
fsr-3288	96	13	and	and	CCONJ
fsr-3288	96	14	calculate	calculate	VERB
fsr-3288	96	15	what	what	PRON
fsr-3288	96	16	you	you	PRON
fsr-3288	96	17	would	would	AUX
fsr-3288	96	18	need	need	VERB
fsr-3288	96	19	at	at	ADP
fsr-3288	96	20	retirement	retirement	NOUN
fsr-3288	96	21	?	?	PUNCT
fsr-3288	96	22	)	)	PUNCT
fsr-3288	97	1	g6802	g6802	NOUN
fsr-3288	97	2	(	(	PUNCT
fsr-3288	97	3	2000	2000	NUM
fsr-3288	97	4	)	)	PUNCT
fsr-3288	97	5	g6789	g6789	NOUN
fsr-3288	97	6	is	be	AUX
fsr-3288	97	7	asked	ask	VERB
fsr-3288	97	8	of	of	ADP
fsr-3288	97	9	retirees	retiree	NOUN
fsr-3288	97	10	to	to	PART
fsr-3288	97	11	retrospectively	retrospectively	ADV
fsr-3288	97	12	report	report	VERB
fsr-3288	97	13	whether	whether	SCONJ
fsr-3288	97	14	they	they	PRON
fsr-3288	97	15	consulted	consult	VERB
fsr-3288	97	16	a	a	DET
fsr-3288	97	17	planner	planner	NOUN
fsr-3288	97	18	.	.	PUNCT
fsr-3288	98	1	431s.j	431s.j	NUM
fsr-3288	98	2	.	.	PUNCT
fsr-3288	99	1	heckman	heckman	PROPN
fsr-3288	99	2	et	et	PROPN
fsr-3288	99	3	al	al	PROPN
fsr-3288	99	4	.	.	PUNCT
fsr-3288	99	5	/	/	SYM
fsr-3288	99	6	financial	financial	ADJ
fsr-3288	99	7	services	service	NOUN
fsr-3288	99	8	review	review	VERB
fsr-3288	99	9	25	25	NUM
fsr-3288	99	10	(	(	PUNCT
fsr-3288	99	11	2016	2016	NUM
fsr-3288	99	12	)	)	PUNCT
fsr-3288	99	13	427–446	427–446	NUM
fsr-3288	99	14	table	table	NOUN
fsr-3288	99	15	1	1	NUM
fsr-3288	99	16	(	(	PUNCT
fsr-3288	99	17	continued	continue	VERB
fsr-3288	99	18	)	)	PUNCT
fsr-3288	99	19	dataset	dataset	NOUN
fsr-3288	99	20	question	question	NOUN
fsr-3288	99	21	text	text	NOUN
fsr-3288	99	22	of	of	ADP
fsr-3288	99	23	available	available	ADJ
fsr-3288	99	24	measuresa	measuresa	ADJ
fsr-3288	99	25	variable	variable	ADJ
fsr-3288	99	26	numbers	number	NOUN
fsr-3288	99	27	notes	note	NOUN
fsr-3288	99	28	did	do	AUX
fsr-3288	99	29	you	you	PRON
fsr-3288	99	30	consult	consult	VERB
fsr-3288	99	31	a	a	DET
fsr-3288	99	32	financial	financial	ADJ
fsr-3288	99	33	planner	planner	NOUN
fsr-3288	99	34	?	?	PUNCT
fsr-3288	100	1	g6789	g6789	ADV
fsr-3288	100	2	(	(	PUNCT
fsr-3288	100	3	2000	2000	NUM
fsr-3288	100	4	)	)	PUNCT
fsr-3288	100	5	(	(	PUNCT
fsr-3288	100	6	lead	lead	VERB
fsr-3288	100	7	questions	question	NOUN
fsr-3288	100	8	:	:	PUNCT
fsr-3288	100	9	have	have	AUX
fsr-3288	100	10	you	you	PRON
fsr-3288	100	11	ever	ever	ADV
fsr-3288	100	12	tried	try	VERB
fsr-3288	100	13	to	to	PART
fsr-3288	100	14	figure	figure	VERB
fsr-3288	100	15	out	out	ADP
fsr-3288	100	16	how	how	SCONJ
fsr-3288	100	17	much	much	ADJ
fsr-3288	100	18	your	your	PRON
fsr-3288	100	19	household	household	NOUN
fsr-3288	100	20	would	would	AUX
fsr-3288	100	21	need	need	VERB
fsr-3288	100	22	to	to	PART
fsr-3288	100	23	save	save	VERB
fsr-3288	100	24	for	for	ADP
fsr-3288	100	25	retirement	retirement	NOUN
fsr-3288	100	26	?	?	PUNCT
fsr-3288	101	1	tell	tell	VERB
fsr-3288	101	2	me	i	PRON
fsr-3288	101	3	about	about	ADP
fsr-3288	101	4	the	the	DET
fsr-3288	101	5	ways	way	NOUN
fsr-3288	101	6	you	you	PRON
fsr-3288	101	7	tried	try	VERB
fsr-3288	101	8	to	to	PART
fsr-3288	101	9	figure	figure	VERB
fsr-3288	101	10	out	out	ADP
fsr-3288	101	11	how	how	SCONJ
fsr-3288	101	12	much	much	ADJ
fsr-3288	101	13	your	your	PRON
fsr-3288	101	14	household	household	NOUN
fsr-3288	101	15	would	would	AUX
fsr-3288	101	16	need	need	VERB
fsr-3288	101	17	.	.	PUNCT
fsr-3288	101	18	)	)	PUNCT
fsr-3288	102	1	did	do	AUX
fsr-3288	102	2	you	you	PRON
fsr-3288	102	3	consult	consult	VERB
fsr-3288	102	4	a	a	DET
fsr-3288	102	5	financial	financial	ADJ
fsr-3288	102	6	planner	planner	NOUN
fsr-3288	102	7	or	or	CCONJ
fsr-3288	102	8	advisor	advisor	NOUN
fsr-3288	102	9	or	or	CCONJ
fsr-3288	102	10	an	an	DET
fsr-3288	102	11	accountant	accountant	NOUN
fsr-3288	102	12	?	?	PUNCT
fsr-3288	103	1	jv356	jv356	NOUN
fsr-3288	103	2	(	(	PUNCT
fsr-3288	103	3	2004	2004	NUM
fsr-3288	103	4	)	)	PUNCT
fsr-3288	103	5	(	(	PUNCT
fsr-3288	103	6	lead	lead	NOUN
fsr-3288	103	7	question	question	NOUN
fsr-3288	103	8	:	:	PUNCT
fsr-3288	103	9	do	do	AUX
fsr-3288	103	10	you	you	PRON
fsr-3288	103	11	have	have	VERB
fsr-3288	103	12	someone	someone	PRON
fsr-3288	103	13	such	such	ADJ
fsr-3288	103	14	as	as	ADP
fsr-3288	103	15	a	a	DET
fsr-3288	103	16	friend	friend	NOUN
fsr-3288	103	17	or	or	CCONJ
fsr-3288	103	18	relative	relative	ADJ
fsr-3288	103	19	,	,	PUNCT
fsr-3288	103	20	or	or	CCONJ
fsr-3288	103	21	bank	bank	NOUN
fsr-3288	103	22	officer	officer	NOUN
fsr-3288	103	23	,	,	PUNCT
fsr-3288	103	24	lawyer	lawyer	NOUN
fsr-3288	103	25	or	or	CCONJ
fsr-3288	103	26	financial	financial	ADJ
fsr-3288	103	27	consultant	consultant	NOUN
fsr-3288	103	28	who	who	PRON
fsr-3288	103	29	regularly	regularly	ADV
fsr-3288	103	30	helps	help	VERB
fsr-3288	103	31	you	you	PRON
fsr-3288	103	32	with	with	ADP
fsr-3288	103	33	handling	handle	VERB
fsr-3288	103	34	your	your	PRON
fsr-3288	103	35	money	money	NOUN
fsr-3288	103	36	or	or	CCONJ
fsr-3288	103	37	property	property	NOUN
fsr-3288	103	38	or	or	CCONJ
fsr-3288	103	39	other	other	ADJ
fsr-3288	103	40	financial	financial	ADJ
fsr-3288	103	41	matters	matter	NOUN
fsr-3288	103	42	such	such	ADJ
fsr-3288	103	43	as	as	ADP
fsr-3288	103	44	signing	sign	VERB
fsr-3288	103	45	checks	check	NOUN
fsr-3288	103	46	,	,	PUNCT
fsr-3288	103	47	paying	pay	VERB
fsr-3288	103	48	bills	bill	NOUN
fsr-3288	103	49	,	,	PUNCT
fsr-3288	103	50	dealing	deal	VERB
fsr-3288	103	51	with	with	ADP
fsr-3288	103	52	banks	bank	NOUN
fsr-3288	103	53	and	and	CCONJ
fsr-3288	103	54	making	make	VERB
fsr-3288	103	55	investments	investment	NOUN
fsr-3288	103	56	?	?	PUNCT
fsr-3288	103	57	)	)	PUNCT
fsr-3288	103	58	who	who	PRON
fsr-3288	103	59	helps	help	VERB
fsr-3288	103	60	you	you	PRON
fsr-3288	103	61	[	[	X
fsr-3288	103	62	and	and	CCONJ
fsr-3288	103	63	your	your	PRON
fsr-3288	103	64	[	[	ADJ
fsr-3288	103	65	partner	partner	NOUN
fsr-3288	103	66	/	/	SYM
fsr-3288	103	67	husband	husband	NOUN
fsr-3288	103	68	/	/	SYM
fsr-3288	103	69	wife	wife	NOUN
fsr-3288	103	70	]	]	X
fsr-3288	103	71	]	]	PUNCT
fsr-3288	103	72	with	with	ADP
fsr-3288	103	73	your	your	PRON
fsr-3288	103	74	finances	finance	NOUN
fsr-3288	103	75	?	?	PUNCT
fsr-3288	104	1	choose	choose	VERB
fsr-3288	104	2	all	all	PRON
fsr-3288	104	3	that	that	PRON
fsr-3288	104	4	apply	apply	VERB
fsr-3288	104	5	.	.	PUNCT
fsr-3288	105	1	[	[	X
fsr-3288	105	2	one	one	NUM
fsr-3288	105	3	response	response	NOUN
fsr-3288	105	4	option	option	NOUN
fsr-3288	105	5	is	be	AUX
fsr-3288	105	6	“	"	PUNCT
fsr-3288	105	7	financial	financial	ADJ
fsr-3288	105	8	consultant	consultant	NOUN
fsr-3288	105	9	,	,	PUNCT
fsr-3288	105	10	accountant	accountant	NOUN
fsr-3288	105	11	,	,	PUNCT
fsr-3288	105	12	or	or	CCONJ
fsr-3288	105	13	other	other	ADJ
fsr-3288	105	14	professional	professional	ADJ
fsr-3288	105	15	investment	investment	NOUN
fsr-3288	105	16	counselor	counselor	NOUN
fsr-3288	105	17	”	"	PUNCT
fsr-3288	105	18	]	]	X
fsr-3288	105	19	ov502m1	ov502m1	X
fsr-3288	105	20	(	(	PUNCT
fsr-3288	105	21	2014	2014	NUM
fsr-3288	105	22	)	)	PUNCT
fsr-3288	105	23	(	(	PUNCT
fsr-3288	105	24	lead	lead	NOUN
fsr-3288	105	25	question	question	NOUN
fsr-3288	105	26	:	:	PUNCT
fsr-3288	105	27	have	have	AUX
fsr-3288	105	28	you	you	PRON
fsr-3288	105	29	given	give	VERB
fsr-3288	105	30	permission	permission	NOUN
fsr-3288	105	31	to	to	ADP
fsr-3288	105	32	a	a	DET
fsr-3288	105	33	bank	bank	NOUN
fsr-3288	105	34	,	,	PUNCT
fsr-3288	105	35	lawyer	lawyer	NOUN
fsr-3288	105	36	,	,	PUNCT
fsr-3288	105	37	broker	broker	NOUN
fsr-3288	105	38	or	or	CCONJ
fsr-3288	105	39	other	other	ADJ
fsr-3288	105	40	financial	financial	ADJ
fsr-3288	105	41	advisor	advisor	NOUN
fsr-3288	105	42	to	to	PART
fsr-3288	105	43	be	be	AUX
fsr-3288	105	44	able	able	ADJ
fsr-3288	105	45	to	to	PART
fsr-3288	105	46	share	share	VERB
fsr-3288	105	47	your	your	PRON
fsr-3288	105	48	information	information	NOUN
fsr-3288	105	49	with	with	ADP
fsr-3288	105	50	family	family	NOUN
fsr-3288	105	51	members	member	NOUN
fsr-3288	105	52	,	,	PUNCT
fsr-3288	105	53	friends	friend	NOUN
fsr-3288	105	54	,	,	PUNCT
fsr-3288	105	55	or	or	CCONJ
fsr-3288	105	56	others	other	NOUN
fsr-3288	105	57	?	?	PUNCT
fsr-3288	105	58	)	)	PUNCT
fsr-3288	106	1	with	with	ADP
fsr-3288	106	2	whom	whom	PRON
fsr-3288	106	3	can	can	AUX
fsr-3288	106	4	your	your	PRON
fsr-3288	106	5	financial	financial	ADJ
fsr-3288	106	6	information	information	NOUN
fsr-3288	106	7	be	be	AUX
fsr-3288	106	8	shared	share	VERB
fsr-3288	106	9	?	?	PUNCT
fsr-3288	107	1	[	[	X
fsr-3288	107	2	one	one	NUM
fsr-3288	107	3	response	response	NOUN
fsr-3288	107	4	option	option	NOUN
fsr-3288	107	5	is	be	AUX
fsr-3288	107	6	“	"	PUNCT
fsr-3288	107	7	financial	financial	ADJ
fsr-3288	107	8	consultant	consultant	NOUN
fsr-3288	107	9	,	,	PUNCT
fsr-3288	107	10	accountant	accountant	NOUN
fsr-3288	107	11	,	,	PUNCT
fsr-3288	107	12	or	or	CCONJ
fsr-3288	107	13	other	other	ADJ
fsr-3288	107	14	professional	professional	ADJ
fsr-3288	107	15	investment	investment	NOUN
fsr-3288	107	16	counselor	counselor	NOUN
fsr-3288	107	17	”	"	PUNCT
fsr-3288	107	18	]	]	PUNCT
fsr-3288	107	19	ov531	ov531	PROPN
fsr-3288	107	20	(	(	PUNCT
fsr-3288	107	21	2014	2014	NUM
fsr-3288	107	22	)	)	PUNCT
fsr-3288	107	23	who	who	PRON
fsr-3288	107	24	is	be	AUX
fsr-3288	107	25	designated	designate	VERB
fsr-3288	107	26	(	(	PUNCT
fsr-3288	107	27	as	as	ADP
fsr-3288	107	28	power	power	NOUN
fsr-3288	107	29	of	of	ADP
fsr-3288	107	30	attorney	attorney	NOUN
fsr-3288	107	31	)	)	PUNCT
fsr-3288	107	32	?	?	PUNCT
fsr-3288	108	1	[	[	X
fsr-3288	108	2	one	one	NUM
fsr-3288	108	3	response	response	NOUN
fsr-3288	108	4	option	option	NOUN
fsr-3288	108	5	is	be	AUX
fsr-3288	108	6	financial	financial	ADJ
fsr-3288	108	7	consultant	consultant	NOUN
fsr-3288	108	8	,	,	PUNCT
fsr-3288	108	9	accountant	accountant	NOUN
fsr-3288	108	10	or	or	CCONJ
fsr-3288	108	11	other	other	ADJ
fsr-3288	108	12	professional	professional	ADJ
fsr-3288	108	13	investment	investment	NOUN
fsr-3288	108	14	counselor	counselor	NOUN
fsr-3288	108	15	]	]	X
fsr-3288	108	16	ov509	ov509	PROPN
fsr-3288	108	17	(	(	PUNCT
fsr-3288	108	18	2014	2014	NUM
fsr-3288	108	19	)	)	PUNCT
fsr-3288	108	20	nfcs	nfc	NOUN
fsr-3288	108	21	in	in	ADP
fsr-3288	108	22	the	the	DET
fsr-3288	108	23	last	last	ADJ
fsr-3288	108	24	5	5	NUM
fsr-3288	108	25	years	year	NOUN
fsr-3288	108	26	,	,	PUNCT
fsr-3288	108	27	have	have	AUX
fsr-3288	108	28	you	you	PRON
fsr-3288	108	29	asked	ask	VERB
fsr-3288	108	30	for	for	ADP
fsr-3288	108	31	any	any	DET
fsr-3288	108	32	advice	advice	NOUN
fsr-3288	108	33	from	from	ADP
fsr-3288	108	34	a	a	DET
fsr-3288	108	35	financial	financial	ADJ
fsr-3288	108	36	professional	professional	NOUN
fsr-3288	108	37	about	about	ADP
fsr-3288	108	38	any	any	PRON
fsr-3288	108	39	of	of	ADP
fsr-3288	108	40	the	the	DET
fsr-3288	108	41	following	following	NOUN
fsr-3288	108	42	?	?	PUNCT
fsr-3288	109	1	[	[	X
fsr-3288	109	2	debt	debt	NOUN
fsr-3288	109	3	counseling	counseling	NOUN
fsr-3288	109	4	,	,	PUNCT
fsr-3288	109	5	savings	saving	NOUN
fsr-3288	109	6	or	or	CCONJ
fsr-3288	109	7	investments	investment	NOUN
fsr-3288	109	8	,	,	PUNCT
fsr-3288	109	9	taking	take	VERB
fsr-3288	109	10	out	out	ADP
fsr-3288	109	11	a	a	DET
fsr-3288	109	12	mortgage	mortgage	NOUN
fsr-3288	109	13	or	or	CCONJ
fsr-3288	109	14	a	a	DET
fsr-3288	109	15	loan	loan	NOUN
fsr-3288	109	16	,	,	PUNCT
fsr-3288	109	17	insurance	insurance	NOUN
fsr-3288	109	18	of	of	ADP
fsr-3288	109	19	any	any	DET
fsr-3288	109	20	type	type	NOUN
fsr-3288	109	21	,	,	PUNCT
fsr-3288	109	22	tax	tax	NOUN
fsr-3288	109	23	planning	planning	NOUN
fsr-3288	109	24	]	]	PUNCT
fsr-3288	109	25	k_1	k_1	AUX
fsr-3288	109	26	–	–	PUNCT
fsr-3288	109	27	k_5	k_5	VERB
fsr-3288	109	28	available	available	ADJ
fsr-3288	109	29	in	in	ADP
fsr-3288	109	30	2009	2009	NUM
fsr-3288	109	31	and	and	CCONJ
fsr-3288	109	32	2012	2012	NUM
fsr-3288	109	33	surveys	survey	NOUN
fsr-3288	109	34	.	.	PUNCT
fsr-3288	110	1	nlsy79	nlsy79	ADJ
fsr-3288	110	2	people	people	NOUN
fsr-3288	110	3	begin	begin	VERB
fsr-3288	110	4	learning	learn	VERB
fsr-3288	110	5	about	about	ADP
fsr-3288	110	6	and	and	CCONJ
fsr-3288	110	7	preparing	prepare	VERB
fsr-3288	110	8	for	for	ADP
fsr-3288	110	9	retirement	retirement	NOUN
fsr-3288	110	10	at	at	ADP
fsr-3288	110	11	different	different	ADJ
fsr-3288	110	12	ages	age	NOUN
fsr-3288	110	13	and	and	CCONJ
fsr-3288	110	14	in	in	ADP
fsr-3288	110	15	different	different	ADJ
fsr-3288	110	16	ways	way	NOUN
fsr-3288	110	17	.	.	PUNCT
fsr-3288	111	1	have	have	AUX
fsr-3288	111	2	you	you	PRON
fsr-3288	111	3	consulted	consult	VERB
fsr-3288	111	4	a	a	DET
fsr-3288	111	5	financial	financial	ADJ
fsr-3288	111	6	planner	planner	NOUN
fsr-3288	111	7	about	about	ADP
fsr-3288	111	8	how	how	SCONJ
fsr-3288	111	9	to	to	PART
fsr-3288	111	10	plan	plan	VERB
fsr-3288	111	11	your	your	PRON
fsr-3288	111	12	finances	finance	NOUN
fsr-3288	111	13	after	after	ADP
fsr-3288	111	14	retirement	retirement	NOUN
fsr-3288	111	15	?	?	PUNCT
fsr-3288	112	1	t09628.01	t09628.01	PRON
fsr-3288	112	2	(	(	PUNCT
fsr-3288	112	3	2006	2006	NUM
fsr-3288	112	4	)	)	PUNCT
fsr-3288	112	5	available	available	ADJ
fsr-3288	112	6	2006–2012	2006–2012	NUM
fsr-3288	112	7	.	.	PUNCT
fsr-3288	113	1	t21836.01	t21836.01	PROPN
fsr-3288	113	2	(	(	PUNCT
fsr-3288	113	3	2008	2008	NUM
fsr-3288	113	4	)	)	PUNCT
fsr-3288	114	1	t30959.01	t30959.01	PROPN
fsr-3288	114	2	(	(	PUNCT
fsr-3288	114	3	2010	2010	NUM
fsr-3288	114	4	)	)	PUNCT
fsr-3288	114	5	t40951.01	t40951.01	PROPN
fsr-3288	114	6	(	(	PUNCT
fsr-3288	114	7	2012	2012	NUM
fsr-3288	114	8	)	)	PUNCT
fsr-3288	114	9	nlsy97	nlsy97	NOUN
fsr-3288	114	10	in	in	ADP
fsr-3288	114	11	the	the	DET
fsr-3288	114	12	past	past	ADJ
fsr-3288	114	13	12	12	NUM
fsr-3288	114	14	months	month	NOUN
fsr-3288	114	15	,	,	PUNCT
fsr-3288	114	16	who	who	PRON
fsr-3288	114	17	have	have	AUX
fsr-3288	114	18	you	you	PRON
fsr-3288	114	19	talked	talk	VERB
fsr-3288	114	20	with	with	ADP
fsr-3288	114	21	about	about	ADP
fsr-3288	114	22	money	money	NOUN
fsr-3288	114	23	issues	issue	NOUN
fsr-3288	114	24	most	most	ADV
fsr-3288	114	25	often	often	ADV
fsr-3288	114	26	?	?	PUNCT
fsr-3288	115	1	[	[	X
fsr-3288	115	2	one	one	NUM
fsr-3288	115	3	response	response	NOUN
fsr-3288	115	4	option	option	NOUN
fsr-3288	115	5	is	be	AUX
fsr-3288	115	6	“	"	PUNCT
fsr-3288	115	7	someone	someone	PRON
fsr-3288	115	8	with	with	ADP
fsr-3288	115	9	professional	professional	ADJ
fsr-3288	115	10	expertise	expertise	NOUN
fsr-3288	115	11	in	in	ADP
fsr-3288	115	12	the	the	DET
fsr-3288	115	13	field	field	NOUN
fsr-3288	115	14	’	'	PUNCT
fsr-3288	115	15	]	]	PUNCT
fsr-3288	115	16	s84959.00	s84959.00	PROPN
fsr-3288	115	17	(	(	PUNCT
fsr-3288	115	18	2006	2006	NUM
fsr-3288	115	19	)	)	PUNCT
fsr-3288	115	20	t08892.00	t08892.00	PUNCT
fsr-3288	116	1	(	(	PUNCT
fsr-3288	116	2	2007	2007	NUM
fsr-3288	116	3	)	)	PUNCT
fsr-3288	116	4	t30024.00	t30024.00	PROPN
fsr-3288	117	1	(	(	PUNCT
fsr-3288	117	2	2008	2008	NUM
fsr-3288	117	3	)	)	PUNCT
fsr-3288	117	4	t44054.00	t44054.00	PROPN
fsr-3288	118	1	(	(	PUNCT
fsr-3288	118	2	2009	2009	NUM
fsr-3288	118	3	)	)	PUNCT
fsr-3288	118	4	available	available	ADJ
fsr-3288	118	5	in	in	ADP
fsr-3288	118	6	the	the	DET
fsr-3288	118	7	2006–2013	2006–2013	NUM
fsr-3288	118	8	,	,	PUNCT
fsr-3288	118	9	asked	ask	VERB
fsr-3288	118	10	of	of	ADP
fsr-3288	118	11	respondents	respondent	NOUN
fsr-3288	118	12	who	who	PRON
fsr-3288	118	13	talked	talk	VERB
fsr-3288	118	14	to	to	ADP
fsr-3288	118	15	someone	someone	PRON
fsr-3288	118	16	about	about	ADP
fsr-3288	118	17	finances	finance	NOUN
fsr-3288	118	18	in	in	ADP
fsr-3288	118	19	past	past	ADJ
fsr-3288	118	20	12	12	NUM
fsr-3288	118	21	months	month	NOUN
fsr-3288	118	22	.	.	PUNCT
fsr-3288	119	1	t60549.00	t60549.00	PROPN
fsr-3288	119	2	(	(	PUNCT
fsr-3288	119	3	2010	2010	NUM
fsr-3288	119	4	)	)	PUNCT
fsr-3288	119	5	t75450.00	t75450.00	PROPN
fsr-3288	120	1	(	(	PUNCT
fsr-3288	120	2	2011	2011	NUM
fsr-3288	120	3	)	)	PUNCT
fsr-3288	120	4	t89760.00	t89760.00	PROPN
fsr-3288	120	5	(	(	PUNCT
fsr-3288	120	6	2013	2013	NUM
fsr-3288	120	7	)	)	PUNCT
fsr-3288	120	8	scf	scf	VERB
fsr-3288	120	9	what	what	PRON
fsr-3288	120	10	sources	source	NOUN
fsr-3288	120	11	of	of	ADP
fsr-3288	120	12	information	information	NOUN
fsr-3288	120	13	do	do	AUX
fsr-3288	120	14	you	you	PRON
fsr-3288	120	15	use	use	VERB
fsr-3288	120	16	to	to	PART
fsr-3288	120	17	make	make	VERB
fsr-3288	120	18	decisions	decision	NOUN
fsr-3288	120	19	about	about	ADP
fsr-3288	120	20	borrowing	borrowing	NOUN
fsr-3288	120	21	or	or	CCONJ
fsr-3288	120	22	credit	credit	NOUN
fsr-3288	120	23	?	?	PUNCT
fsr-3288	121	1	(	(	PUNCT
fsr-3288	121	2	do	do	AUX
fsr-3288	121	3	you	you	PRON
fsr-3288	121	4	call	call	VERB
fsr-3288	121	5	around	around	ADV
fsr-3288	121	6	,	,	PUNCT
fsr-3288	121	7	read	read	VERB
fsr-3288	121	8	newspapers	newspaper	NOUN
fsr-3288	121	9	,	,	PUNCT
fsr-3288	121	10	magazines	magazine	NOUN
fsr-3288	121	11	,	,	PUNCT
fsr-3288	121	12	material	material	NOUN
fsr-3288	121	13	you	you	PRON
fsr-3288	121	14	get	get	VERB
fsr-3288	121	15	in	in	ADP
fsr-3288	121	16	the	the	DET
fsr-3288	121	17	mail	mail	NOUN
fsr-3288	121	18	,	,	PUNCT
fsr-3288	121	19	use	use	VERB
fsr-3288	121	20	information	information	NOUN
fsr-3288	121	21	from	from	ADP
fsr-3288	121	22	television	television	NOUN
fsr-3288	121	23	,	,	PUNCT
fsr-3288	121	24	radio	radio	NOUN
fsr-3288	121	25	,	,	PUNCT
fsr-3288	121	26	the	the	DET
fsr-3288	121	27	internet	internet	NOUN
fsr-3288	121	28	or	or	CCONJ
fsr-3288	121	29	advertisements	advertisement	NOUN
fsr-3288	121	30	?	?	PUNCT
fsr-3288	122	1	do	do	AUX
fsr-3288	122	2	you	you	PRON
fsr-3288	122	3	get	get	VERB
fsr-3288	122	4	advice	advice	NOUN
fsr-3288	122	5	from	from	ADP
fsr-3288	122	6	a	a	DET
fsr-3288	122	7	friend	friend	NOUN
fsr-3288	122	8	,	,	PUNCT
fsr-3288	122	9	relative	relative	ADJ
fsr-3288	122	10	,	,	PUNCT
fsr-3288	122	11	lawyer	lawyer	NOUN
fsr-3288	122	12	,	,	PUNCT
fsr-3288	122	13	accountant	accountant	NOUN
fsr-3288	122	14	,	,	PUNCT
fsr-3288	122	15	banker	banker	NOUN
fsr-3288	122	16	,	,	PUNCT
fsr-3288	122	17	broker	broker	NOUN
fsr-3288	122	18	,	,	PUNCT
fsr-3288	122	19	or	or	CCONJ
fsr-3288	122	20	financial	financial	ADJ
fsr-3288	122	21	planner	planner	NOUN
fsr-3288	122	22	?	?	PUNCT
fsr-3288	123	1	or	or	CCONJ
fsr-3288	123	2	do	do	AUX
fsr-3288	123	3	you	you	PRON
fsr-3288	123	4	do	do	VERB
fsr-3288	123	5	something	something	PRON
fsr-3288	123	6	else	else	ADV
fsr-3288	123	7	?	?	PUNCT
fsr-3288	123	8	)	)	PUNCT
fsr-3288	123	9	borrowing	borrowing	NOUN
fsr-3288	123	10	/	/	SYM
fsr-3288	123	11	credit	credit	NOUN
fsr-3288	123	12	x7101	x7101	PROPN
fsr-3288	123	13	-	-	PROPN
fsr-3288	123	14	x7110	x7110	PROPN
fsr-3288	123	15	,	,	PUNCT
fsr-3288	123	16	x68479	x68479	PROPN
fsr-3288	123	17	,	,	PUNCT
fsr-3288	123	18	x6861	x6861	PROPN
fsr-3288	123	19	-	-	PUNCT
fsr-3288	123	20	x6864	x6864	PROPN
fsr-3288	123	21	available	available	ADJ
fsr-3288	123	22	in	in	ADP
fsr-3288	123	23	all	all	DET
fsr-3288	123	24	survey	survey	NOUN
fsr-3288	123	25	waves	wave	NOUN
fsr-3288	123	26	;	;	PUNCT
fsr-3288	123	27	however	however	ADV
fsr-3288	123	28	,	,	PUNCT
fsr-3288	123	29	the	the	DET
fsr-3288	123	30	financial	financial	ADJ
fsr-3288	123	31	planner	planner	NOUN
fsr-3288	123	32	response	response	NOUN
fsr-3288	123	33	option	option	NOUN
fsr-3288	123	34	was	be	AUX
fsr-3288	123	35	not	not	PART
fsr-3288	123	36	added	add	VERB
fsr-3288	123	37	until	until	ADP
fsr-3288	123	38	1998	1998	NUM
fsr-3288	123	39	.	.	PUNCT
fsr-3288	124	1	reponses	reponse	NOUN
fsr-3288	124	2	are	be	AUX
fsr-3288	124	3	recorded	record	VERB
fsr-3288	124	4	for	for	ADP
fsr-3288	124	5	up	up	ADP
fsr-3288	124	6	to	to	PART
fsr-3288	124	7	15	15	NUM
fsr-3288	124	8	responses	response	NOUN
fsr-3288	124	9	.	.	PUNCT
fsr-3288	125	1	432	432	NUM
fsr-3288	125	2	s.j	s.j	PROPN
fsr-3288	125	3	.	.	PUNCT
fsr-3288	125	4	heckman	heckman	PROPN
fsr-3288	125	5	et	et	PROPN
fsr-3288	125	6	al	al	PROPN
fsr-3288	125	7	.	.	PUNCT
fsr-3288	125	8	/	/	SYM
fsr-3288	125	9	financial	financial	ADJ
fsr-3288	125	10	services	service	NOUN
fsr-3288	125	11	review	review	VERB
fsr-3288	125	12	25	25	NUM
fsr-3288	125	13	(	(	PUNCT
fsr-3288	125	14	2016	2016	NUM
fsr-3288	125	15	)	)	PUNCT
fsr-3288	125	16	427–446	427–446	NUM
fsr-3288	125	17	“	"	PUNCT
fsr-3288	125	18	who	who	PRON
fsr-3288	125	19	helps	help	VERB
fsr-3288	125	20	you	you	PRON
fsr-3288	125	21	with	with	ADP
fsr-3288	125	22	your	your	PRON
fsr-3288	125	23	finances	finance	NOUN
fsr-3288	125	24	?	?	PUNCT
fsr-3288	125	25	”	"	PUNCT
fsr-3288	126	1	and	and	CCONJ
fsr-3288	126	2	one	one	NUM
fsr-3288	126	3	response	response	NOUN
fsr-3288	126	4	category	category	NOUN
fsr-3288	126	5	is	be	AUX
fsr-3288	126	6	“	"	PUNCT
fsr-3288	126	7	financial	financial	ADJ
fsr-3288	126	8	consultant	consultant	NOUN
fsr-3288	126	9	,	,	PUNCT
fsr-3288	126	10	accountant	accountant	NOUN
fsr-3288	126	11	,	,	PUNCT
fsr-3288	126	12	or	or	CCONJ
fsr-3288	126	13	other	other	ADJ
fsr-3288	126	14	professional	professional	ADJ
fsr-3288	126	15	investment	investment	NOUN
fsr-3288	126	16	counselor	counselor	NOUN
fsr-3288	126	17	.	.	PUNCT
fsr-3288	126	18	”	"	PUNCT
fsr-3288	127	1	as	as	SCONJ
fsr-3288	127	2	shown	show	VERB
fsr-3288	127	3	in	in	ADP
fsr-3288	127	4	table	table	NOUN
fsr-3288	127	5	1	1	NUM
fsr-3288	127	6	,	,	PUNCT
fsr-3288	127	7	the	the	DET
fsr-3288	127	8	2014	2014	NUM
fsr-3288	127	9	hrs	hrs	NOUN
fsr-3288	127	10	also	also	ADV
fsr-3288	127	11	contains	contain	VERB
fsr-3288	127	12	a	a	DET
fsr-3288	127	13	few	few	ADJ
fsr-3288	127	14	other	other	ADJ
fsr-3288	127	15	questions	question	NOUN
fsr-3288	127	16	that	that	PRON
fsr-3288	127	17	include	include	VERB
fsr-3288	127	18	a	a	DET
fsr-3288	127	19	response	response	NOUN
fsr-3288	127	20	option	option	NOUN
fsr-3288	127	21	that	that	PRON
fsr-3288	127	22	identifies	identify	VERB
fsr-3288	127	23	a	a	DET
fsr-3288	127	24	financial	financial	ADJ
fsr-3288	127	25	consultant	consultant	NOUN
fsr-3288	127	26	.	.	PUNCT
fsr-3288	128	1	only	only	ADV
fsr-3288	128	2	one	one	NUM
fsr-3288	128	3	study	study	NOUN
fsr-3288	128	4	(	(	PUNCT
fsr-3288	128	5	knoll	knoll	NOUN
fsr-3288	128	6	and	and	CCONJ
fsr-3288	128	7	houts	hout	NOUN
fsr-3288	128	8	,	,	PUNCT
fsr-3288	128	9	2012	2012	NUM
fsr-3288	128	10	)	)	PUNCT
fsr-3288	128	11	published	publish	VERB
fsr-3288	128	12	in	in	ADP
fsr-3288	128	13	the	the	DET
fsr-3288	128	14	journals	journal	NOUN
fsr-3288	128	15	reviewed	review	VERB
fsr-3288	128	16	used	use	VERB
fsr-3288	128	17	the	the	DET
fsr-3288	128	18	(	(	PUNCT
fsr-3288	128	19	2004	2004	NUM
fsr-3288	128	20	)	)	PUNCT
fsr-3288	128	21	hrs	hrs	NOUN
fsr-3288	128	22	measure	measure	NOUN
fsr-3288	128	23	of	of	ADP
fsr-3288	128	24	financial	financial	ADJ
fsr-3288	128	25	professional	professional	ADJ
fsr-3288	128	26	use	use	NOUN
fsr-3288	128	27	.	.	PUNCT
fsr-3288	129	1	the	the	DET
fsr-3288	129	2	nfcs	nfcs	PROPN
fsr-3288	129	3	asks	ask	VERB
fsr-3288	129	4	respondents	respondent	NOUN
fsr-3288	129	5	if	if	SCONJ
fsr-3288	129	6	,	,	PUNCT
fsr-3288	129	7	in	in	ADP
fsr-3288	129	8	the	the	DET
fsr-3288	129	9	last	last	ADJ
fsr-3288	129	10	five	five	NUM
fsr-3288	129	11	years	year	NOUN
fsr-3288	129	12	,	,	PUNCT
fsr-3288	129	13	they	they	PRON
fsr-3288	129	14	sought	seek	VERB
fsr-3288	129	15	advice	advice	NOUN
fsr-3288	129	16	from	from	ADP
fsr-3288	129	17	a	a	DET
fsr-3288	129	18	financial	financial	ADJ
fsr-3288	129	19	professional	professional	NOUN
fsr-3288	129	20	about	about	ADP
fsr-3288	129	21	the	the	DET
fsr-3288	129	22	following	follow	VERB
fsr-3288	129	23	categories	category	NOUN
fsr-3288	129	24	(	(	PUNCT
fsr-3288	129	25	allowing	allow	VERB
fsr-3288	129	26	for	for	ADP
fsr-3288	129	27	unique	unique	ADJ
fsr-3288	129	28	responses	response	NOUN
fsr-3288	129	29	for	for	ADP
fsr-3288	129	30	each	each	DET
fsr-3288	129	31	category	category	NOUN
fsr-3288	129	32	):	):	PUNCT
fsr-3288	129	33	debt	debt	NOUN
fsr-3288	129	34	counseling	counseling	NOUN
fsr-3288	129	35	,	,	PUNCT
fsr-3288	129	36	savings	saving	NOUN
fsr-3288	129	37	or	or	CCONJ
fsr-3288	129	38	investments	investment	NOUN
fsr-3288	129	39	,	,	PUNCT
fsr-3288	129	40	taking	take	VERB
fsr-3288	129	41	out	out	ADP
fsr-3288	129	42	a	a	DET
fsr-3288	129	43	mortgage	mortgage	NOUN
fsr-3288	129	44	or	or	CCONJ
fsr-3288	129	45	loan	loan	NOUN
fsr-3288	129	46	,	,	PUNCT
fsr-3288	129	47	insurance	insurance	NOUN
fsr-3288	129	48	of	of	ADP
fsr-3288	129	49	any	any	DET
fsr-3288	129	50	type	type	NOUN
fsr-3288	129	51	,	,	PUNCT
fsr-3288	129	52	or	or	CCONJ
fsr-3288	129	53	tax	tax	NOUN
fsr-3288	129	54	planning	planning	NOUN
fsr-3288	129	55	.	.	PUNCT
fsr-3288	130	1	a	a	DET
fsr-3288	130	2	number	number	NOUN
fsr-3288	130	3	of	of	ADP
fsr-3288	130	4	researchers	researcher	NOUN
fsr-3288	130	5	have	have	AUX
fsr-3288	130	6	used	use	VERB
fsr-3288	130	7	the	the	DET
fsr-3288	130	8	nfcs	nfc	NOUN
fsr-3288	130	9	to	to	PART
fsr-3288	130	10	explore	explore	VERB
fsr-3288	130	11	financial	financial	ADJ
fsr-3288	130	12	advice	advice	NOUN
fsr-3288	130	13	in	in	ADP
fsr-3288	130	14	different	different	ADJ
fsr-3288	130	15	capacities	capacity	NOUN
fsr-3288	130	16	(	(	PUNCT
fsr-3288	130	17	balasubramnian	balasubramnian	ADJ
fsr-3288	130	18	,	,	PUNCT
fsr-3288	130	19	brisker	brisk	ADJ
fsr-3288	130	20	,	,	PUNCT
fsr-3288	130	21	and	and	CCONJ
fsr-3288	130	22	gradisher	gradisher	NOUN
fsr-3288	130	23	,	,	PUNCT
fsr-3288	130	24	2014	2014	NUM
fsr-3288	130	25	;	;	PUNCT
fsr-3288	130	26	collins	collin	NOUN
fsr-3288	130	27	,	,	PUNCT
fsr-3288	130	28	2012	2012	NUM
fsr-3288	130	29	;	;	PUNCT
fsr-3288	130	30	lachance	lachance	NOUN
fsr-3288	130	31	and	and	CCONJ
fsr-3288	130	32	tang	tang	PROPN
fsr-3288	130	33	,	,	PUNCT
fsr-3288	130	34	2012	2012	NUM
fsr-3288	130	35	;	;	PUNCT
fsr-3288	130	36	robb	robb	NOUN
fsr-3288	130	37	,	,	PUNCT
fsr-3288	130	38	babiarz	babiarz	NOUN
fsr-3288	130	39	,	,	PUNCT
fsr-3288	130	40	and	and	CCONJ
fsr-3288	130	41	woodyard	woodyard	PROPN
fsr-3288	130	42	,	,	PUNCT
fsr-3288	130	43	2012	2012	NUM
fsr-3288	130	44	;	;	PUNCT
fsr-3288	130	45	sass	sas	VERB
fsr-3288	130	46	,	,	PUNCT
fsr-3288	130	47	belbase	belbase	NOUN
fsr-3288	130	48	,	,	PUNCT
fsr-3288	130	49	cooperrider	cooperrider	NOUN
fsr-3288	130	50	,	,	PUNCT
fsr-3288	130	51	and	and	CCONJ
fsr-3288	130	52	ramos	ramo	NOUN
fsr-3288	130	53	-	-	NOUN
fsr-3288	130	54	mercado	mercado	NOUN
fsr-3288	130	55	,	,	PUNCT
fsr-3288	130	56	2015	2015	NUM
fsr-3288	130	57	;	;	PUNCT
fsr-3288	130	58	simms	simms	PROPN
fsr-3288	130	59	,	,	PUNCT
fsr-3288	130	60	2014	2014	NUM
fsr-3288	130	61	;	;	PUNCT
fsr-3288	130	62	tang	tang	NOUN
fsr-3288	130	63	and	and	CCONJ
fsr-3288	130	64	lu	lu	PROPN
fsr-3288	130	65	,	,	PUNCT
fsr-3288	130	66	2014	2014	NUM
fsr-3288	130	67	)	)	PUNCT
fsr-3288	130	68	.	.	PUNCT
fsr-3288	131	1	balasubramnian	balasubramnian	PROPN
fsr-3288	131	2	et	et	PROPN
fsr-3288	131	3	al	al	PROPN
fsr-3288	131	4	.	.	PROPN
fsr-3288	132	1	(	(	PUNCT
fsr-3288	132	2	2014	2014	NUM
fsr-3288	132	3	)	)	PUNCT
fsr-3288	132	4	analyze	analyze	VERB
fsr-3288	132	5	households	household	NOUN
fsr-3288	132	6	who	who	PRON
fsr-3288	132	7	reported	report	VERB
fsr-3288	132	8	using	use	VERB
fsr-3288	132	9	a	a	DET
fsr-3288	132	10	financial	financial	ADJ
fsr-3288	132	11	adviser	adviser	NOUN
fsr-3288	132	12	for	for	ADP
fsr-3288	132	13	any	any	DET
fsr-3288	132	14	subject	subject	ADJ
fsr-3288	132	15	area	area	NOUN
fsr-3288	132	16	and	and	CCONJ
fsr-3288	132	17	examine	examine	VERB
fsr-3288	132	18	which	which	DET
fsr-3288	132	19	households	household	NOUN
fsr-3288	132	20	conduct	conduct	VERB
fsr-3288	132	21	regulatory	regulatory	ADJ
fsr-3288	132	22	searches	search	NOUN
fsr-3288	132	23	when	when	SCONJ
fsr-3288	132	24	choosing	choose	VERB
fsr-3288	132	25	an	an	DET
fsr-3288	132	26	adviser	adviser	NOUN
fsr-3288	132	27	.	.	PUNCT
fsr-3288	133	1	collins	collins	PROPN
fsr-3288	133	2	(	(	PUNCT
fsr-3288	133	3	2012	2012	NUM
fsr-3288	133	4	)	)	PUNCT
fsr-3288	133	5	and	and	CCONJ
fsr-3288	133	6	robb	robb	VERB
fsr-3288	133	7	et	et	PROPN
fsr-3288	133	8	al	al	PROPN
fsr-3288	133	9	.	.	PROPN
fsr-3288	133	10	(	(	PUNCT
fsr-3288	133	11	2012	2012	NUM
fsr-3288	133	12	)	)	PUNCT
fsr-3288	133	13	both	both	PRON
fsr-3288	133	14	examine	examine	VERB
fsr-3288	133	15	financial	financial	ADJ
fsr-3288	133	16	advice	advice	NOUN
fsr-3288	133	17	use	use	NOUN
fsr-3288	133	18	measured	measure	VERB
fsr-3288	133	19	as	as	ADP
fsr-3288	133	20	each	each	PRON
fsr-3288	133	21	of	of	ADP
fsr-3288	133	22	the	the	DET
fsr-3288	133	23	five	five	NUM
fsr-3288	133	24	categories	category	NOUN
fsr-3288	133	25	independently	independently	ADV
fsr-3288	133	26	plus	plus	CCONJ
fsr-3288	133	27	a	a	DET
fsr-3288	133	28	category	category	NOUN
fsr-3288	133	29	for	for	ADP
fsr-3288	133	30	any	any	DET
fsr-3288	133	31	advice	advice	NOUN
fsr-3288	133	32	.	.	PUNCT
fsr-3288	134	1	lachance	lachance	NOUN
fsr-3288	134	2	and	and	CCONJ
fsr-3288	134	3	tang	tang	PROPN
fsr-3288	134	4	(	(	PUNCT
fsr-3288	134	5	2012	2012	NUM
fsr-3288	134	6	)	)	PUNCT
fsr-3288	134	7	investigate	investigate	VERB
fsr-3288	134	8	the	the	DET
fsr-3288	134	9	relationship	relationship	NOUN
fsr-3288	134	10	between	between	ADP
fsr-3288	134	11	trust	trust	NOUN
fsr-3288	134	12	and	and	CCONJ
fsr-3288	134	13	financial	financial	ADJ
fsr-3288	134	14	advice	advice	NOUN
fsr-3288	134	15	and	and	CCONJ
fsr-3288	134	16	measure	measure	VERB
fsr-3288	134	17	financial	financial	ADJ
fsr-3288	134	18	advice	advice	NOUN
fsr-3288	134	19	using	use	VERB
fsr-3288	134	20	each	each	PRON
fsr-3288	134	21	of	of	ADP
fsr-3288	134	22	the	the	DET
fsr-3288	134	23	five	five	NUM
fsr-3288	134	24	categories	category	NOUN
fsr-3288	134	25	independently	independently	ADV
fsr-3288	134	26	.	.	PUNCT
fsr-3288	135	1	sass	sass	VERB
fsr-3288	135	2	et	et	NOUN
fsr-3288	135	3	al	al	PROPN
fsr-3288	135	4	.	.	PROPN
fsr-3288	136	1	(	(	PUNCT
fsr-3288	136	2	2015	2015	NUM
fsr-3288	136	3	)	)	PUNCT
fsr-3288	136	4	examine	examine	VERB
fsr-3288	136	5	financial	financial	ADJ
fsr-3288	136	6	well	well	NOUN
fsr-3288	136	7	-	-	PUNCT
fsr-3288	136	8	being	being	NOUN
fsr-3288	136	9	and	and	CCONJ
fsr-3288	136	10	include	include	VERB
fsr-3288	136	11	financial	financial	ADJ
fsr-3288	136	12	advice	advice	NOUN
fsr-3288	136	13	use	use	NOUN
fsr-3288	136	14	as	as	ADP
fsr-3288	136	15	a	a	DET
fsr-3288	136	16	covariate	covariate	NOUN
fsr-3288	136	17	,	,	PUNCT
fsr-3288	136	18	measured	measure	VERB
fsr-3288	136	19	as	as	ADP
fsr-3288	136	20	consulting	consult	VERB
fsr-3288	136	21	a	a	DET
fsr-3288	136	22	financial	financial	ADJ
fsr-3288	136	23	professional	professional	NOUN
fsr-3288	136	24	on	on	ADP
fsr-3288	136	25	any	any	DET
fsr-3288	136	26	subject	subject	ADJ
fsr-3288	136	27	area	area	NOUN
fsr-3288	136	28	.	.	PUNCT
fsr-3288	137	1	tang	tang	PROPN
fsr-3288	137	2	and	and	CCONJ
fsr-3288	137	3	lu	lu	PROPN
fsr-3288	137	4	(	(	PUNCT
fsr-3288	137	5	2014	2014	NUM
fsr-3288	137	6	)	)	PUNCT
fsr-3288	137	7	analyze	analyze	NOUN
fsr-3288	137	8	loan	loan	NOUN
fsr-3288	137	9	decisions	decision	NOUN
fsr-3288	137	10	to	to	PART
fsr-3288	137	11	see	see	VERB
fsr-3288	137	12	whether	whether	SCONJ
fsr-3288	137	13	consulting	consult	VERB
fsr-3288	137	14	a	a	DET
fsr-3288	137	15	financial	financial	ADJ
fsr-3288	137	16	professional	professional	NOUN
fsr-3288	137	17	,	,	PUNCT
fsr-3288	137	18	measured	measure	VERB
fsr-3288	137	19	using	use	VERB
fsr-3288	137	20	only	only	ADV
fsr-3288	137	21	the	the	DET
fsr-3288	137	22	debt	debt	NOUN
fsr-3288	137	23	counseling	counseling	NOUN
fsr-3288	137	24	and	and	CCONJ
fsr-3288	137	25	taking	take	VERB
fsr-3288	137	26	out	out	ADP
fsr-3288	137	27	a	a	DET
fsr-3288	137	28	mortgage	mortgage	NOUN
fsr-3288	137	29	or	or	CCONJ
fsr-3288	137	30	loan	loan	NOUN
fsr-3288	137	31	responses	response	NOUN
fsr-3288	137	32	,	,	PUNCT
fsr-3288	137	33	influenced	influence	VERB
fsr-3288	137	34	the	the	DET
fsr-3288	137	35	use	use	NOUN
fsr-3288	137	36	of	of	ADP
fsr-3288	137	37	401(k	401(k	NOUN
fsr-3288	137	38	)	)	PUNCT
fsr-3288	137	39	loans	loan	NOUN
fsr-3288	137	40	.	.	PUNCT
fsr-3288	138	1	simms	simms	PROPN
fsr-3288	138	2	(	(	PUNCT
fsr-3288	138	3	2014	2014	NUM
fsr-3288	138	4	)	)	PUNCT
fsr-3288	138	5	analyzes	analyze	VERB
fsr-3288	138	6	women	woman	NOUN
fsr-3288	138	7	’s	’s	PART
fsr-3288	138	8	use	use	NOUN
fsr-3288	138	9	of	of	ADP
fsr-3288	138	10	investment	investment	NOUN
fsr-3288	138	11	advice	advice	NOUN
fsr-3288	138	12	by	by	ADP
fsr-3288	138	13	using	use	VERB
fsr-3288	138	14	only	only	ADV
fsr-3288	138	15	the	the	DET
fsr-3288	138	16	saving	saving	NOUN
fsr-3288	138	17	or	or	CCONJ
fsr-3288	138	18	investment	investment	NOUN
fsr-3288	138	19	response	response	NOUN
fsr-3288	138	20	on	on	ADP
fsr-3288	138	21	the	the	DET
fsr-3288	138	22	financial	financial	ADJ
fsr-3288	138	23	professional	professional	ADJ
fsr-3288	138	24	question	question	NOUN
fsr-3288	138	25	.	.	PUNCT
fsr-3288	139	1	table	table	NOUN
fsr-3288	139	2	1	1	NUM
fsr-3288	139	3	(	(	PUNCT
fsr-3288	139	4	continued	continue	VERB
fsr-3288	139	5	)	)	PUNCT
fsr-3288	139	6	dataset	dataset	NOUN
fsr-3288	139	7	question	question	NOUN
fsr-3288	139	8	text	text	NOUN
fsr-3288	139	9	of	of	ADP
fsr-3288	139	10	available	available	ADJ
fsr-3288	139	11	measuresa	measuresa	ADJ
fsr-3288	139	12	variable	variable	ADJ
fsr-3288	139	13	numbers	number	NOUN
fsr-3288	139	14	notes	note	VERB
fsr-3288	139	15	what	what	PRON
fsr-3288	139	16	sources	source	NOUN
fsr-3288	139	17	of	of	ADP
fsr-3288	139	18	information	information	NOUN
fsr-3288	139	19	do	do	AUX
fsr-3288	139	20	you	you	PRON
fsr-3288	139	21	use	use	VERB
fsr-3288	139	22	to	to	PART
fsr-3288	139	23	make	make	VERB
fsr-3288	139	24	decisions	decision	NOUN
fsr-3288	139	25	about	about	ADP
fsr-3288	139	26	saving	saving	NOUN
fsr-3288	139	27	and	and	CCONJ
fsr-3288	139	28	investments	investment	NOUN
fsr-3288	139	29	?	?	PUNCT
fsr-3288	140	1	(	(	PUNCT
fsr-3288	140	2	do	do	AUX
fsr-3288	140	3	you	you	PRON
fsr-3288	140	4	call	call	VERB
fsr-3288	140	5	around	around	ADV
fsr-3288	140	6	,	,	PUNCT
fsr-3288	140	7	read	read	VERB
fsr-3288	140	8	newspapers	newspaper	NOUN
fsr-3288	140	9	,	,	PUNCT
fsr-3288	140	10	magazines	magazine	NOUN
fsr-3288	140	11	,	,	PUNCT
fsr-3288	140	12	material	material	NOUN
fsr-3288	140	13	you	you	PRON
fsr-3288	140	14	get	get	VERB
fsr-3288	140	15	in	in	ADP
fsr-3288	140	16	the	the	DET
fsr-3288	140	17	mail	mail	NOUN
fsr-3288	140	18	,	,	PUNCT
fsr-3288	140	19	use	use	VERB
fsr-3288	140	20	information	information	NOUN
fsr-3288	140	21	from	from	ADP
fsr-3288	140	22	television	television	NOUN
fsr-3288	140	23	,	,	PUNCT
fsr-3288	140	24	radio	radio	NOUN
fsr-3288	140	25	,	,	PUNCT
fsr-3288	140	26	the	the	DET
fsr-3288	140	27	internet	internet	NOUN
fsr-3288	140	28	or	or	CCONJ
fsr-3288	140	29	advertisements	advertisement	NOUN
fsr-3288	140	30	?	?	PUNCT
fsr-3288	141	1	do	do	AUX
fsr-3288	141	2	you	you	PRON
fsr-3288	141	3	get	get	VERB
fsr-3288	141	4	advice	advice	NOUN
fsr-3288	141	5	from	from	ADP
fsr-3288	141	6	a	a	DET
fsr-3288	141	7	friend	friend	NOUN
fsr-3288	141	8	,	,	PUNCT
fsr-3288	141	9	relative	relative	ADJ
fsr-3288	141	10	,	,	PUNCT
fsr-3288	141	11	lawyer	lawyer	NOUN
fsr-3288	141	12	,	,	PUNCT
fsr-3288	141	13	accountant	accountant	NOUN
fsr-3288	141	14	,	,	PUNCT
fsr-3288	141	15	banker	banker	NOUN
fsr-3288	141	16	,	,	PUNCT
fsr-3288	141	17	broker	broker	NOUN
fsr-3288	141	18	,	,	PUNCT
fsr-3288	141	19	or	or	CCONJ
fsr-3288	141	20	financial	financial	ADJ
fsr-3288	141	21	planner	planner	NOUN
fsr-3288	141	22	?	?	PUNCT
fsr-3288	142	1	or	or	CCONJ
fsr-3288	142	2	do	do	AUX
fsr-3288	142	3	you	you	PRON
fsr-3288	142	4	do	do	VERB
fsr-3288	142	5	something	something	PRON
fsr-3288	142	6	else	else	ADV
fsr-3288	142	7	?	?	PUNCT
fsr-3288	142	8	)	)	PUNCT
fsr-3288	143	1	saving	saving	NOUN
fsr-3288	143	2	/	/	SYM
fsr-3288	143	3	investment	investment	NOUN
fsr-3288	143	4	x7112	x7112	PROPN
fsr-3288	143	5	-	-	PUNCT
fsr-3288	143	6	x7121	x7121	PROPN
fsr-3288	143	7	,	,	PUNCT
fsr-3288	143	8	x6865	x6865	PROPN
fsr-3288	143	9	-	-	PUNCT
fsr-3288	143	10	x6869	x6869	PROPN
fsr-3288	143	11	notes	note	NOUN
fsr-3288	143	12	:	:	PUNCT
fsr-3288	143	13	question	question	NOUN
fsr-3288	143	14	text	text	NOUN
fsr-3288	143	15	allowing	allow	VERB
fsr-3288	143	16	the	the	DET
fsr-3288	143	17	interviewer	interviewer	NOUN
fsr-3288	143	18	to	to	PART
fsr-3288	143	19	ask	ask	VERB
fsr-3288	143	20	the	the	DET
fsr-3288	143	21	question	question	NOUN
fsr-3288	143	22	appropriately	appropriately	ADV
fsr-3288	143	23	for	for	ADP
fsr-3288	143	24	couples	couple	NOUN
fsr-3288	143	25	or	or	CCONJ
fsr-3288	143	26	other	other	ADJ
fsr-3288	143	27	grammatical	grammatical	ADJ
fsr-3288	143	28	adjustments	adjustment	NOUN
fsr-3288	143	29	have	have	AUX
fsr-3288	143	30	been	be	AUX
fsr-3288	143	31	omitted	omit	VERB
fsr-3288	143	32	for	for	ADP
fsr-3288	143	33	simplicity	simplicity	NOUN
fsr-3288	143	34	.	.	PUNCT
fsr-3288	144	1	ahead	ahead	PROPN
fsr-3288	144	2	�	�	PROPN
fsr-3288	144	3	asset	asset	PROPN
fsr-3288	144	4	and	and	CCONJ
fsr-3288	144	5	health	health	NOUN
fsr-3288	144	6	dynamics	dynamic	NOUN
fsr-3288	144	7	among	among	ADP
fsr-3288	144	8	the	the	DET
fsr-3288	144	9	oldest	old	ADJ
fsr-3288	144	10	old	old	ADJ
fsr-3288	144	11	;	;	PUNCT
fsr-3288	144	12	alp	alp	PROPN
fsr-3288	144	13	�	�	PROPN
fsr-3288	144	14	american	american	PROPN
fsr-3288	144	15	life	life	PROPN
fsr-3288	144	16	panel	panel	PROPN
fsr-3288	144	17	&	&	CCONJ
fsr-3288	144	18	hrs	hrs	PROPN
fsr-3288	144	19	�	�	PROPN
fsr-3288	144	20	health	health	PROPN
fsr-3288	144	21	and	and	CCONJ
fsr-3288	144	22	retirement	retirement	NOUN
fsr-3288	144	23	study	study	NOUN
fsr-3288	144	24	;	;	PUNCT
fsr-3288	144	25	alp13	alp13	PROPN
fsr-3288	144	26	�	�	PROPN
fsr-3288	144	27	american	american	PROPN
fsr-3288	144	28	life	life	PROPN
fsr-3288	144	29	panel	panel	NOUN
fsr-3288	144	30	survey	survey	VERB
fsr-3288	144	31	13	13	NUM
fsr-3288	144	32	;	;	PUNCT
fsr-3288	144	33	nfcs	nfcs	PROPN
fsr-3288	144	34	�	�	PROPN
fsr-3288	144	35	national	national	ADJ
fsr-3288	144	36	financial	financial	ADJ
fsr-3288	144	37	capability	capability	NOUN
fsr-3288	144	38	survey	survey	NOUN
fsr-3288	144	39	;	;	PUNCT
fsr-3288	144	40	nlsy79	nlsy79	ADJ
fsr-3288	144	41	�	�	PROPN
fsr-3288	144	42	national	national	PROPN
fsr-3288	144	43	longitudinal	longitudinal	ADJ
fsr-3288	144	44	survey	survey	NOUN
fsr-3288	144	45	of	of	ADP
fsr-3288	144	46	youth	youth	NOUN
fsr-3288	144	47	1979	1979	NUM
fsr-3288	144	48	;	;	PUNCT
fsr-3288	144	49	nlsy97	nlsy97	X
fsr-3288	144	50	�	�	PROPN
fsr-3288	144	51	national	national	PROPN
fsr-3288	144	52	longitudinal	longitudinal	ADJ
fsr-3288	144	53	survey	survey	NOUN
fsr-3288	144	54	of	of	ADP
fsr-3288	144	55	youth	youth	NOUN
fsr-3288	144	56	1997	1997	NUM
fsr-3288	144	57	;	;	PUNCT
fsr-3288	144	58	scf	scf	PROPN
fsr-3288	144	59	�	�	PROPN
fsr-3288	144	60	survey	survey	NOUN
fsr-3288	144	61	of	of	ADP
fsr-3288	144	62	consumer	consumer	NOUN
fsr-3288	144	63	finances	finance	NOUN
fsr-3288	144	64	.	.	PUNCT
fsr-3288	145	1	aquestions	aquestion	NOUN
fsr-3288	145	2	were	be	AUX
fsr-3288	145	3	identified	identify	VERB
fsr-3288	145	4	using	use	VERB
fsr-3288	145	5	the	the	DET
fsr-3288	145	6	hrs	hrs	NOUN
fsr-3288	145	7	concordance	concordance	NOUN
fsr-3288	145	8	,	,	PUNCT
fsr-3288	145	9	http://hrsonline.isr.umich.edu/index.php?p�concord	http://hrsonline.isr.umich.edu/index.php?p�concord	PRON
fsr-3288	145	10	,	,	PUNCT
fsr-3288	145	11	and	and	CCONJ
fsr-3288	145	12	searching	search	VERB
fsr-3288	145	13	the	the	DET
fsr-3288	145	14	following	follow	VERB
fsr-3288	145	15	phrases	phrase	NOUN
fsr-3288	145	16	:	:	PUNCT
fsr-3288	145	17	“	"	PUNCT
fsr-3288	145	18	financial	financial	ADJ
fsr-3288	145	19	planner	planner	NOUN
fsr-3288	145	20	,	,	PUNCT
fsr-3288	145	21	”	"	PUNCT
fsr-3288	145	22	“	"	PUNCT
fsr-3288	145	23	financial	financial	ADJ
fsr-3288	145	24	advisor	advisor	NOUN
fsr-3288	145	25	,	,	PUNCT
fsr-3288	145	26	”	"	PUNCT
fsr-3288	145	27	“	"	PUNCT
fsr-3288	145	28	financial	financial	ADJ
fsr-3288	145	29	professional	professional	NOUN
fsr-3288	145	30	,	,	PUNCT
fsr-3288	145	31	”	"	PUNCT
fsr-3288	145	32	and	and	CCONJ
fsr-3288	145	33	“	"	PUNCT
fsr-3288	145	34	financial	financial	ADJ
fsr-3288	145	35	consultant	consultant	NOUN
fsr-3288	145	36	.	.	PUNCT
fsr-3288	145	37	”	"	PUNCT
fsr-3288	146	1	the	the	DET
fsr-3288	146	2	hrs	hrs	NOUN
fsr-3288	146	3	may	may	AUX
fsr-3288	146	4	contain	contain	VERB
fsr-3288	146	5	other	other	ADJ
fsr-3288	146	6	questions	question	NOUN
fsr-3288	146	7	that	that	PRON
fsr-3288	146	8	include	include	VERB
fsr-3288	146	9	some	some	DET
fsr-3288	146	10	information	information	NOUN
fsr-3288	146	11	about	about	ADP
fsr-3288	146	12	financial	financial	ADJ
fsr-3288	146	13	professional	professional	ADJ
fsr-3288	146	14	use	use	NOUN
fsr-3288	146	15	.	.	PUNCT
fsr-3288	147	1	for	for	ADP
fsr-3288	147	2	example	example	NOUN
fsr-3288	147	3	,	,	PUNCT
fsr-3288	147	4	there	there	PRON
fsr-3288	147	5	are	be	VERB
fsr-3288	147	6	questions	question	NOUN
fsr-3288	147	7	about	about	ADP
fsr-3288	147	8	who	who	PRON
fsr-3288	147	9	serves	serve	VERB
fsr-3288	147	10	as	as	ADP
fsr-3288	147	11	trustee	trustee	NOUN
fsr-3288	147	12	(	(	PUNCT
fsr-3288	147	13	e.g.	e.g.	ADV
fsr-3288	147	14	,	,	PUNCT
fsr-3288	147	15	ov517m1	ov517m1	ADV
fsr-3288	147	16	)	)	PUNCT
fsr-3288	147	17	that	that	PRON
fsr-3288	147	18	contain	contain	VERB
fsr-3288	147	19	a	a	DET
fsr-3288	147	20	response	response	NOUN
fsr-3288	147	21	code	code	NOUN
fsr-3288	147	22	identifying	identify	VERB
fsr-3288	147	23	an	an	DET
fsr-3288	147	24	“	"	PUNCT
fsr-3288	147	25	investment	investment	NOUN
fsr-3288	147	26	counselor	counselor	NOUN
fsr-3288	147	27	”	"	PUNCT
fsr-3288	147	28	or	or	CCONJ
fsr-3288	147	29	“	"	PUNCT
fsr-3288	147	30	consultant	consultant	NOUN
fsr-3288	147	31	.	.	PUNCT
fsr-3288	147	32	”	"	PUNCT
fsr-3288	148	1	those	those	DET
fsr-3288	148	2	questions	question	NOUN
fsr-3288	148	3	are	be	AUX
fsr-3288	148	4	not	not	PART
fsr-3288	148	5	included	include	VERB
fsr-3288	148	6	here	here	ADV
fsr-3288	148	7	because	because	SCONJ
fsr-3288	148	8	of	of	ADP
fsr-3288	148	9	the	the	DET
fsr-3288	148	10	narrow	narrow	ADJ
fsr-3288	148	11	role	role	NOUN
fsr-3288	148	12	the	the	DET
fsr-3288	148	13	advisor	advisor	NOUN
fsr-3288	148	14	plays	play	NOUN
fsr-3288	148	15	,	,	PUNCT
fsr-3288	148	16	but	but	CCONJ
fsr-3288	148	17	these	these	DET
fsr-3288	148	18	questions	question	NOUN
fsr-3288	148	19	may	may	AUX
fsr-3288	148	20	be	be	AUX
fsr-3288	148	21	useful	useful	ADJ
fsr-3288	148	22	in	in	ADP
fsr-3288	148	23	other	other	ADJ
fsr-3288	148	24	applications	application	NOUN
fsr-3288	148	25	.	.	PUNCT
fsr-3288	149	1	433s.j	433s.j	NOUN
fsr-3288	149	2	.	.	PUNCT
fsr-3288	150	1	heckman	heckman	PROPN
fsr-3288	150	2	et	et	PROPN
fsr-3288	150	3	al	al	PROPN
fsr-3288	150	4	.	.	PUNCT
fsr-3288	150	5	/	/	SYM
fsr-3288	150	6	financial	financial	ADJ
fsr-3288	150	7	services	service	NOUN
fsr-3288	150	8	review	review	VERB
fsr-3288	150	9	25	25	NUM
fsr-3288	150	10	(	(	PUNCT
fsr-3288	150	11	2016	2016	NUM
fsr-3288	150	12	)	)	PUNCT
fsr-3288	150	13	427–446	427–446	NUM
fsr-3288	150	14	both	both	CCONJ
fsr-3288	150	15	the	the	DET
fsr-3288	150	16	nlsy79	nlsy79	NOUN
fsr-3288	150	17	and	and	CCONJ
fsr-3288	150	18	nlsy97	nlsy97	NOUN
fsr-3288	150	19	cohort	cohort	NOUN
fsr-3288	150	20	surveys	survey	NOUN
fsr-3288	150	21	contain	contain	VERB
fsr-3288	150	22	questions	question	NOUN
fsr-3288	150	23	about	about	ADP
fsr-3288	150	24	financial	financial	ADJ
fsr-3288	150	25	advice	advice	NOUN
fsr-3288	150	26	.	.	PUNCT
fsr-3288	151	1	the	the	DET
fsr-3288	151	2	nlsy79	nlsy79	NOUN
fsr-3288	151	3	contains	contain	VERB
fsr-3288	151	4	one	one	NUM
fsr-3288	151	5	question	question	NOUN
fsr-3288	151	6	that	that	PRON
fsr-3288	151	7	states	state	VERB
fsr-3288	151	8	the	the	DET
fsr-3288	151	9	following	following	NOUN
fsr-3288	151	10	:	:	PUNCT
fsr-3288	151	11	“	"	PUNCT
fsr-3288	151	12	people	people	NOUN
fsr-3288	151	13	begin	begin	VERB
fsr-3288	151	14	learning	learn	VERB
fsr-3288	151	15	about	about	ADP
fsr-3288	151	16	and	and	CCONJ
fsr-3288	151	17	preparing	prepare	VERB
fsr-3288	151	18	for	for	ADP
fsr-3288	151	19	retirement	retirement	NOUN
fsr-3288	151	20	at	at	ADP
fsr-3288	151	21	different	different	ADJ
fsr-3288	151	22	ages	age	NOUN
fsr-3288	151	23	and	and	CCONJ
fsr-3288	151	24	in	in	ADP
fsr-3288	151	25	different	different	ADJ
fsr-3288	151	26	ways	way	NOUN
fsr-3288	151	27	.	.	PUNCT
fsr-3288	152	1	have	have	VERB
fsr-3288	152	2	you	you	PRON
fsr-3288	152	3	[	[	X
fsr-3288	152	4	or	or	CCONJ
fsr-3288	152	5	]	]	PUNCT
fsr-3288	152	6	[	[	X
fsr-3288	152	7	spouse	spouse	NOUN
fsr-3288	152	8	/	/	SYM
fsr-3288	152	9	partner	partner	NOUN
fsr-3288	152	10	’s	’s	PART
fsr-3288	152	11	name	name	NOUN
fsr-3288	152	12	]	]	PUNCT
fsr-3288	152	13	consulted	consult	VERB
fsr-3288	152	14	a	a	DET
fsr-3288	152	15	financial	financial	ADJ
fsr-3288	152	16	planner	planner	NOUN
fsr-3288	152	17	about	about	ADP
fsr-3288	152	18	how	how	SCONJ
fsr-3288	152	19	to	to	PART
fsr-3288	152	20	plan	plan	VERB
fsr-3288	152	21	your	your	PRON
fsr-3288	152	22	finances	finance	NOUN
fsr-3288	152	23	after	after	ADP
fsr-3288	152	24	retirement	retirement	NOUN
fsr-3288	152	25	?	?	PUNCT
fsr-3288	152	26	”	"	PUNCT
fsr-3288	152	27	several	several	ADJ
fsr-3288	152	28	studies	study	NOUN
fsr-3288	152	29	have	have	AUX
fsr-3288	152	30	analyzed	analyze	VERB
fsr-3288	152	31	financial	financial	ADJ
fsr-3288	152	32	planner	planner	NOUN
fsr-3288	152	33	use	use	NOUN
fsr-3288	152	34	in	in	ADP
fsr-3288	152	35	the	the	DET
fsr-3288	152	36	2008	2008	NUM
fsr-3288	152	37	wave	wave	NOUN
fsr-3288	152	38	of	of	ADP
fsr-3288	152	39	the	the	DET
fsr-3288	152	40	nlsy79	nlsy79	NOUN
fsr-3288	152	41	by	by	ADP
fsr-3288	152	42	using	use	VERB
fsr-3288	152	43	this	this	DET
fsr-3288	152	44	question	question	NOUN
fsr-3288	152	45	(	(	PUNCT
fsr-3288	152	46	martin	martin	PROPN
fsr-3288	152	47	,	,	PUNCT
fsr-3288	152	48	finke	finke	PROPN
fsr-3288	152	49	,	,	PUNCT
fsr-3288	152	50	and	and	CCONJ
fsr-3288	152	51	gibson	gibson	PROPN
fsr-3288	152	52	,	,	PUNCT
fsr-3288	152	53	2014	2014	NUM
fsr-3288	152	54	;	;	PUNCT
fsr-3288	152	55	martin	martin	PROPN
fsr-3288	152	56	and	and	CCONJ
fsr-3288	152	57	finke	finke	PROPN
fsr-3288	152	58	,	,	PUNCT
fsr-3288	152	59	2014	2014	NUM
fsr-3288	152	60	)	)	PUNCT
fsr-3288	152	61	.	.	PUNCT
fsr-3288	153	1	martin	martin	PROPN
fsr-3288	153	2	and	and	CCONJ
fsr-3288	153	3	finke	finke	PROPN
fsr-3288	153	4	(	(	PUNCT
fsr-3288	153	5	2014	2014	NUM
fsr-3288	153	6	)	)	PUNCT
fsr-3288	153	7	create	create	VERB
fsr-3288	153	8	a	a	DET
fsr-3288	153	9	category	category	NOUN
fsr-3288	153	10	they	they	PRON
fsr-3288	153	11	refer	refer	VERB
fsr-3288	153	12	to	to	ADP
fsr-3288	153	13	as	as	ADP
fsr-3288	153	14	“	"	PUNCT
fsr-3288	153	15	comprehensive	comprehensive	ADJ
fsr-3288	153	16	financial	financial	ADJ
fsr-3288	153	17	planner	planner	NOUN
fsr-3288	153	18	”	"	PUNCT
fsr-3288	153	19	that	that	PRON
fsr-3288	153	20	was	be	AUX
fsr-3288	153	21	measured	measure	VERB
fsr-3288	153	22	by	by	ADP
fsr-3288	153	23	two	two	NUM
fsr-3288	153	24	components	component	NOUN
fsr-3288	153	25	.	.	PUNCT
fsr-3288	154	1	the	the	DET
fsr-3288	154	2	first	first	ADJ
fsr-3288	154	3	component	component	NOUN
fsr-3288	154	4	was	be	AUX
fsr-3288	154	5	based	base	VERB
fsr-3288	154	6	on	on	ADP
fsr-3288	154	7	the	the	DET
fsr-3288	154	8	financial	financial	ADJ
fsr-3288	154	9	planner	planner	NOUN
fsr-3288	154	10	question	question	NOUN
fsr-3288	154	11	and	and	CCONJ
fsr-3288	154	12	the	the	DET
fsr-3288	154	13	second	second	ADJ
fsr-3288	154	14	was	be	AUX
fsr-3288	154	15	based	base	VERB
fsr-3288	154	16	on	on	ADP
fsr-3288	154	17	a	a	DET
fsr-3288	154	18	question	question	NOUN
fsr-3288	154	19	that	that	PRON
fsr-3288	154	20	asked	ask	VERB
fsr-3288	154	21	,	,	PUNCT
fsr-3288	154	22	“	"	PUNCT
fsr-3288	154	23	have	have	VERB
fsr-3288	154	24	you	you	PRON
fsr-3288	154	25	[	[	X
fsr-3288	154	26	or	or	CCONJ
fsr-3288	154	27	]	]	X
fsr-3288	155	1	[	[	X
fsr-3288	155	2	spouse/	spouse/	NUM
fsr-3288	155	3	partner	partner	NOUN
fsr-3288	155	4	’s	’s	PART
fsr-3288	155	5	name	name	NOUN
fsr-3288	155	6	]	]	PUNCT
fsr-3288	155	7	ever	ever	ADV
fsr-3288	155	8	calculated	calculate	VERB
fsr-3288	155	9	how	how	SCONJ
fsr-3288	155	10	much	much	ADJ
fsr-3288	155	11	retirement	retirement	NOUN
fsr-3288	155	12	income	income	NOUN
fsr-3288	155	13	you	you	PRON
fsr-3288	155	14	would	would	AUX
fsr-3288	155	15	need	need	VERB
fsr-3288	155	16	at	at	ADP
fsr-3288	155	17	retirement	retirement	NOUN
fsr-3288	155	18	?	?	PUNCT
fsr-3288	155	19	”	"	PUNCT
fsr-3288	155	20	as	as	SCONJ
fsr-3288	155	21	shown	show	VERB
fsr-3288	155	22	in	in	ADP
fsr-3288	155	23	table	table	NOUN
fsr-3288	155	24	1	1	NUM
fsr-3288	155	25	,	,	PUNCT
fsr-3288	155	26	these	these	DET
fsr-3288	155	27	nlsy79	nlsy79	ADJ
fsr-3288	155	28	questions	question	NOUN
fsr-3288	155	29	are	be	AUX
fsr-3288	155	30	available	available	ADJ
fsr-3288	155	31	in	in	ADP
fsr-3288	155	32	survey	survey	NOUN
fsr-3288	155	33	waves	wave	NOUN
fsr-3288	155	34	from	from	ADP
fsr-3288	155	35	2006	2006	NUM
fsr-3288	155	36	to	to	ADP
fsr-3288	155	37	2012	2012	NUM
fsr-3288	155	38	.	.	PUNCT
fsr-3288	156	1	the	the	DET
fsr-3288	156	2	nsly97	nsly97	NOUN
fsr-3288	156	3	asks	ask	VERB
fsr-3288	156	4	,	,	PUNCT
fsr-3288	156	5	“	"	PUNCT
fsr-3288	156	6	in	in	ADP
fsr-3288	156	7	the	the	DET
fsr-3288	156	8	past	past	ADJ
fsr-3288	156	9	twelve	twelve	NUM
fsr-3288	156	10	months	month	NOUN
fsr-3288	156	11	,	,	PUNCT
fsr-3288	156	12	who	who	PRON
fsr-3288	156	13	have	have	AUX
fsr-3288	156	14	you	you	PRON
fsr-3288	156	15	talked	talk	VERB
fsr-3288	156	16	with	with	ADP
fsr-3288	156	17	about	about	ADP
fsr-3288	156	18	money	money	NOUN
fsr-3288	156	19	issues	issue	NOUN
fsr-3288	156	20	most	most	ADV
fsr-3288	156	21	often	often	ADV
fsr-3288	156	22	?	?	PUNCT
fsr-3288	156	23	”	"	PUNCT
fsr-3288	156	24	of	of	ADP
fsr-3288	156	25	the	the	DET
fsr-3288	156	26	possible	possible	ADJ
fsr-3288	156	27	responses	response	NOUN
fsr-3288	156	28	,	,	PUNCT
fsr-3288	156	29	one	one	NUM
fsr-3288	156	30	category	category	NOUN
fsr-3288	156	31	is	be	AUX
fsr-3288	156	32	“	"	PUNCT
fsr-3288	156	33	someone	someone	PRON
fsr-3288	156	34	with	with	ADP
fsr-3288	156	35	professional	professional	ADJ
fsr-3288	156	36	expertise	expertise	NOUN
fsr-3288	156	37	in	in	ADP
fsr-3288	156	38	the	the	DET
fsr-3288	156	39	field	field	NOUN
fsr-3288	156	40	.	.	PUNCT
fsr-3288	156	41	”	"	PUNCT
fsr-3288	157	1	this	this	DET
fsr-3288	157	2	question	question	NOUN
fsr-3288	157	3	has	have	AUX
fsr-3288	157	4	not	not	PART
fsr-3288	157	5	been	be	AUX
fsr-3288	157	6	used	use	VERB
fsr-3288	157	7	to	to	PART
fsr-3288	157	8	assess	assess	VERB
fsr-3288	157	9	the	the	DET
fsr-3288	157	10	use	use	NOUN
fsr-3288	157	11	of	of	ADP
fsr-3288	157	12	a	a	DET
fsr-3288	157	13	financial	financial	ADJ
fsr-3288	157	14	planner	planner	NOUN
fsr-3288	157	15	in	in	ADP
fsr-3288	157	16	the	the	DET
fsr-3288	157	17	publications	publication	NOUN
fsr-3288	157	18	reviewed	review	VERB
fsr-3288	157	19	.	.	PUNCT
fsr-3288	158	1	the	the	DET
fsr-3288	158	2	scf	scf	PROPN
fsr-3288	158	3	contains	contain	VERB
fsr-3288	158	4	two	two	NUM
fsr-3288	158	5	questions	question	NOUN
fsr-3288	158	6	about	about	ADP
fsr-3288	158	7	the	the	DET
fsr-3288	158	8	source(s	source(s	NOUN
fsr-3288	158	9	)	)	PUNCT
fsr-3288	158	10	of	of	ADP
fsr-3288	158	11	information	information	NOUN
fsr-3288	158	12	used	use	VERB
fsr-3288	158	13	by	by	ADP
fsr-3288	158	14	the	the	DET
fsr-3288	158	15	respondent	respondent	NOUN
fsr-3288	158	16	and	and	CCONJ
fsr-3288	158	17	spouse	spouse	NOUN
fsr-3288	158	18	/	/	SYM
fsr-3288	158	19	partner	partner	NOUN
fsr-3288	158	20	(	(	PUNCT
fsr-3288	158	21	if	if	SCONJ
fsr-3288	158	22	applicable	applicable	ADJ
fsr-3288	158	23	)	)	PUNCT
fsr-3288	158	24	for	for	ADP
fsr-3288	158	25	(	(	PUNCT
fsr-3288	158	26	1	1	X
fsr-3288	158	27	)	)	PUNCT
fsr-3288	158	28	saving	saving	NOUN
fsr-3288	158	29	and	and	CCONJ
fsr-3288	158	30	investment	investment	NOUN
fsr-3288	158	31	decisions	decision	NOUN
fsr-3288	158	32	and	and	CCONJ
fsr-3288	158	33	(	(	PUNCT
fsr-3288	158	34	2	2	X
fsr-3288	158	35	)	)	PUNCT
fsr-3288	158	36	borrowing	borrowing	NOUN
fsr-3288	158	37	and	and	CCONJ
fsr-3288	158	38	credit	credit	NOUN
fsr-3288	158	39	decisions	decision	NOUN
fsr-3288	158	40	.	.	PUNCT
fsr-3288	159	1	respondents	respondent	NOUN
fsr-3288	159	2	who	who	PRON
fsr-3288	159	3	were	be	AUX
fsr-3288	159	4	interviewed	interview	VERB
fsr-3288	159	5	in	in	ADP
fsr-3288	159	6	person	person	NOUN
fsr-3288	159	7	were	be	AUX
fsr-3288	159	8	shown	show	VERB
fsr-3288	159	9	a	a	DET
fsr-3288	159	10	list	list	NOUN
fsr-3288	159	11	of	of	ADP
fsr-3288	159	12	information	information	NOUN
fsr-3288	159	13	sources	source	NOUN
fsr-3288	159	14	and	and	CCONJ
fsr-3288	159	15	interviewers	interviewer	NOUN
fsr-3288	159	16	read	read	VERB
fsr-3288	159	17	the	the	DET
fsr-3288	159	18	same	same	ADJ
fsr-3288	159	19	list	list	NOUN
fsr-3288	159	20	to	to	ADP
fsr-3288	159	21	respondents	respondent	NOUN
fsr-3288	159	22	for	for	ADP
fsr-3288	159	23	telephone	telephone	NOUN
fsr-3288	159	24	interviews	interview	NOUN
fsr-3288	159	25	.	.	PUNCT
fsr-3288	160	1	the	the	DET
fsr-3288	160	2	list	list	NOUN
fsr-3288	160	3	includes	include	VERB
fsr-3288	160	4	the	the	DET
fsr-3288	160	5	following	following	NOUN
fsr-3288	160	6	:	:	PUNCT
fsr-3288	160	7	call	call	VERB
fsr-3288	160	8	around	around	ADV
fsr-3288	160	9	,	,	PUNCT
fsr-3288	160	10	read	read	VERB
fsr-3288	160	11	newspapers	newspaper	NOUN
fsr-3288	160	12	or	or	CCONJ
fsr-3288	160	13	magazines	magazine	NOUN
fsr-3288	160	14	,	,	PUNCT
fsr-3288	160	15	information	information	NOUN
fsr-3288	160	16	received	receive	VERB
fsr-3288	160	17	in	in	ADP
fsr-3288	160	18	the	the	DET
fsr-3288	160	19	mail	mail	NOUN
fsr-3288	160	20	,	,	PUNCT
fsr-3288	160	21	information	information	NOUN
fsr-3288	160	22	from	from	ADP
fsr-3288	160	23	television	television	NOUN
fsr-3288	160	24	,	,	PUNCT
fsr-3288	160	25	radio	radio	NOUN
fsr-3288	160	26	,	,	PUNCT
fsr-3288	160	27	internet	internet	NOUN
fsr-3288	160	28	,	,	PUNCT
fsr-3288	160	29	advertisements	advertisement	NOUN
fsr-3288	160	30	,	,	PUNCT
fsr-3288	160	31	or	or	CCONJ
fsr-3288	160	32	advice	advice	NOUN
fsr-3288	160	33	from	from	ADP
fsr-3288	160	34	a	a	DET
fsr-3288	160	35	friend	friend	NOUN
fsr-3288	160	36	,	,	PUNCT
fsr-3288	160	37	relative	relative	ADJ
fsr-3288	160	38	,	,	PUNCT
fsr-3288	160	39	lawyer	lawyer	NOUN
fsr-3288	160	40	,	,	PUNCT
fsr-3288	160	41	accountant	accountant	NOUN
fsr-3288	160	42	,	,	PUNCT
fsr-3288	160	43	banker	banker	NOUN
fsr-3288	160	44	,	,	PUNCT
fsr-3288	160	45	broker	broker	NOUN
fsr-3288	160	46	,	,	PUNCT
fsr-3288	160	47	financial	financial	ADJ
fsr-3288	160	48	planner	planner	NOUN
fsr-3288	160	49	,	,	PUNCT
fsr-3288	160	50	or	or	CCONJ
fsr-3288	160	51	other	other	ADJ
fsr-3288	160	52	.	.	PUNCT
fsr-3288	161	1	responses	response	NOUN
fsr-3288	161	2	to	to	ADP
fsr-3288	161	3	these	these	DET
fsr-3288	161	4	questions	question	NOUN
fsr-3288	161	5	are	be	AUX
fsr-3288	161	6	coded	code	VERB
fsr-3288	161	7	in	in	ADP
fsr-3288	161	8	the	the	DET
fsr-3288	161	9	order	order	NOUN
fsr-3288	161	10	that	that	SCONJ
fsr-3288	161	11	they	they	PRON
fsr-3288	161	12	are	be	AUX
fsr-3288	161	13	listed	list	VERB
fsr-3288	161	14	by	by	ADP
fsr-3288	161	15	the	the	DET
fsr-3288	161	16	respondent	respondent	NOUN
fsr-3288	161	17	for	for	ADP
fsr-3288	161	18	up	up	ADP
fsr-3288	161	19	to	to	PART
fsr-3288	161	20	15	15	NUM
fsr-3288	161	21	responses	response	NOUN
fsr-3288	161	22	.	.	PUNCT
fsr-3288	162	1	the	the	DET
fsr-3288	162	2	scf	scf	PROPN
fsr-3288	162	3	has	have	AUX
fsr-3288	162	4	been	be	AUX
fsr-3288	162	5	used	use	VERB
fsr-3288	162	6	to	to	PART
fsr-3288	162	7	investigate	investigate	VERB
fsr-3288	162	8	financial	financial	ADJ
fsr-3288	162	9	planner	planner	NOUN
fsr-3288	162	10	use	use	NOUN
fsr-3288	162	11	as	as	ADP
fsr-3288	162	12	an	an	DET
fsr-3288	162	13	outcome	outcome	NOUN
fsr-3288	162	14	(	(	PUNCT
fsr-3288	162	15	elmerick	elmerick	PROPN
fsr-3288	162	16	,	,	PUNCT
fsr-3288	162	17	montalto	montalto	NOUN
fsr-3288	162	18	,	,	PUNCT
fsr-3288	162	19	and	and	CCONJ
fsr-3288	162	20	fox	fox	PROPN
fsr-3288	162	21	,	,	PUNCT
fsr-3288	162	22	2002	2002	NUM
fsr-3288	162	23	;	;	PUNCT
fsr-3288	162	24	hanna	hanna	PROPN
fsr-3288	162	25	,	,	PUNCT
fsr-3288	162	26	2011	2011	NUM
fsr-3288	162	27	)	)	PUNCT
fsr-3288	162	28	and	and	CCONJ
fsr-3288	162	29	as	as	ADP
fsr-3288	162	30	a	a	DET
fsr-3288	162	31	predictor	predictor	NOUN
fsr-3288	162	32	of	of	ADP
fsr-3288	162	33	perception	perception	NOUN
fsr-3288	162	34	of	of	ADP
fsr-3288	162	35	retirement	retirement	NOUN
fsr-3288	162	36	preparedness	preparedness	NOUN
fsr-3288	162	37	(	(	PUNCT
fsr-3288	162	38	kim	kim	PROPN
fsr-3288	162	39	and	and	CCONJ
fsr-3288	162	40	hanna	hanna	PROPN
fsr-3288	162	41	,	,	PUNCT
fsr-3288	162	42	2015	2015	NUM
fsr-3288	162	43	)	)	PUNCT
fsr-3288	162	44	,	,	PUNCT
fsr-3288	162	45	life	life	NOUN
fsr-3288	162	46	insurance	insurance	NOUN
fsr-3288	162	47	adequacy	adequacy	NOUN
fsr-3288	162	48	(	(	PUNCT
fsr-3288	162	49	scott	scott	PROPN
fsr-3288	162	50	and	and	CCONJ
fsr-3288	162	51	gilliam	gilliam	PROPN
fsr-3288	162	52	,	,	PUNCT
fsr-3288	162	53	2014	2014	NUM
fsr-3288	162	54	)	)	PUNCT
fsr-3288	162	55	,	,	PUNCT
fsr-3288	162	56	disability	disability	NOUN
fsr-3288	162	57	insurance	insurance	NOUN
fsr-3288	162	58	ownership	ownership	NOUN
fsr-3288	162	59	(	(	PUNCT
fsr-3288	162	60	scott	scott	PROPN
fsr-3288	162	61	and	and	CCONJ
fsr-3288	162	62	finke	finke	PROPN
fsr-3288	162	63	,	,	PUNCT
fsr-3288	162	64	2013	2013	NUM
fsr-3288	162	65	)	)	PUNCT
fsr-3288	162	66	,	,	PUNCT
fsr-3288	162	67	and	and	CCONJ
fsr-3288	162	68	consistency	consistency	NOUN
fsr-3288	162	69	of	of	ADP
fsr-3288	162	70	risk	risk	NOUN
fsr-3288	162	71	attitudes	attitude	NOUN
fsr-3288	162	72	and	and	CCONJ
fsr-3288	162	73	risky	risky	ADJ
fsr-3288	162	74	behavior	behavior	NOUN
fsr-3288	162	75	(	(	PUNCT
fsr-3288	162	76	park	park	NOUN
fsr-3288	162	77	and	and	CCONJ
fsr-3288	162	78	yao	yao	NOUN
fsr-3288	162	79	,	,	PUNCT
fsr-3288	162	80	2015	2015	NUM
fsr-3288	162	81	)	)	PUNCT
fsr-3288	162	82	.	.	PUNCT
fsr-3288	163	1	hanna	hanna	PROPN
fsr-3288	163	2	(	(	PUNCT
fsr-3288	163	3	2011	2011	NUM
fsr-3288	163	4	)	)	PUNCT
fsr-3288	163	5	identifies	identify	VERB
fsr-3288	163	6	a	a	DET
fsr-3288	163	7	household	household	NOUN
fsr-3288	163	8	as	as	ADP
fsr-3288	163	9	using	use	VERB
fsr-3288	163	10	a	a	DET
fsr-3288	163	11	financial	financial	ADJ
fsr-3288	163	12	planner	planner	NOUN
fsr-3288	163	13	if	if	SCONJ
fsr-3288	163	14	“	"	PUNCT
fsr-3288	163	15	financial	financial	ADJ
fsr-3288	163	16	planner	planner	NOUN
fsr-3288	163	17	”	"	PUNCT
fsr-3288	163	18	was	be	AUX
fsr-3288	163	19	selected	select	VERB
fsr-3288	163	20	on	on	ADP
fsr-3288	163	21	either	either	CCONJ
fsr-3288	163	22	the	the	DET
fsr-3288	163	23	saving	saving	NOUN
fsr-3288	163	24	/	/	SYM
fsr-3288	163	25	investment	investment	NOUN
fsr-3288	163	26	or	or	CCONJ
fsr-3288	163	27	borrowing/	borrowing/	VERB
fsr-3288	163	28	credit	credit	NOUN
fsr-3288	163	29	question	question	NOUN
fsr-3288	163	30	.	.	PUNCT
fsr-3288	164	1	other	other	ADJ
fsr-3288	164	2	scf	scf	PROPN
fsr-3288	164	3	researchers	researcher	NOUN
fsr-3288	164	4	have	have	AUX
fsr-3288	164	5	used	use	VERB
fsr-3288	164	6	only	only	ADJ
fsr-3288	164	7	responses	response	NOUN
fsr-3288	164	8	on	on	ADP
fsr-3288	164	9	the	the	DET
fsr-3288	164	10	saving	save	VERB
fsr-3288	164	11	question	question	NOUN
fsr-3288	164	12	to	to	PART
fsr-3288	164	13	indicate	indicate	VERB
fsr-3288	164	14	financial	financial	ADJ
fsr-3288	164	15	planner	planner	NOUN
fsr-3288	164	16	use	use	NOUN
fsr-3288	164	17	,	,	PUNCT
fsr-3288	164	18	for	for	ADP
fsr-3288	164	19	example	example	NOUN
fsr-3288	164	20	,	,	PUNCT
fsr-3288	164	21	kim	kim	PROPN
fsr-3288	164	22	and	and	CCONJ
fsr-3288	164	23	hanna	hanna	PROPN
fsr-3288	164	24	(	(	PUNCT
fsr-3288	164	25	2015	2015	NUM
fsr-3288	164	26	)	)	PUNCT
fsr-3288	164	27	.	.	PUNCT
fsr-3288	165	1	park	park	NOUN
fsr-3288	165	2	and	and	CCONJ
fsr-3288	165	3	yao	yao	PROPN
fsr-3288	165	4	(	(	PUNCT
fsr-3288	165	5	2015	2015	NUM
fsr-3288	165	6	)	)	PUNCT
fsr-3288	165	7	measure	measure	NOUN
fsr-3288	165	8	financial	financial	ADJ
fsr-3288	165	9	planner	planner	NOUN
fsr-3288	165	10	use	use	NOUN
fsr-3288	165	11	by	by	ADP
fsr-3288	165	12	utilizing	utilize	VERB
fsr-3288	165	13	only	only	ADV
fsr-3288	165	14	the	the	DET
fsr-3288	165	15	first	first	ADJ
fsr-3288	165	16	response	response	NOUN
fsr-3288	165	17	to	to	ADP
fsr-3288	165	18	the	the	DET
fsr-3288	165	19	saving	saving	NOUN
fsr-3288	165	20	/	/	SYM
fsr-3288	165	21	investment	investment	NOUN
fsr-3288	165	22	question	question	NOUN
fsr-3288	165	23	and	and	CCONJ
fsr-3288	165	24	including	include	VERB
fsr-3288	165	25	the	the	DET
fsr-3288	165	26	following	following	ADJ
fsr-3288	165	27	categories	category	NOUN
fsr-3288	165	28	:	:	PUNCT
fsr-3288	165	29	lawyer	lawyer	NOUN
fsr-3288	165	30	,	,	PUNCT
fsr-3288	165	31	accountant	accountant	NOUN
fsr-3288	165	32	,	,	PUNCT
fsr-3288	165	33	and	and	CCONJ
fsr-3288	165	34	financial	financial	ADJ
fsr-3288	165	35	planner.5	planner.5	PROPN
fsr-3288	165	36	scott	scott	PROPN
fsr-3288	165	37	and	and	CCONJ
fsr-3288	165	38	finke	finke	PROPN
fsr-3288	165	39	(	(	PUNCT
fsr-3288	165	40	2013	2013	NUM
fsr-3288	165	41	)	)	PUNCT
fsr-3288	165	42	include	include	VERB
fsr-3288	165	43	accountant	accountant	NOUN
fsr-3288	165	44	,	,	PUNCT
fsr-3288	165	45	banker	banker	NOUN
fsr-3288	165	46	,	,	PUNCT
fsr-3288	165	47	and	and	CCONJ
fsr-3288	165	48	broker	broker	NOUN
fsr-3288	165	49	in	in	ADP
fsr-3288	165	50	their	their	PRON
fsr-3288	165	51	measure	measure	NOUN
fsr-3288	165	52	of	of	ADP
fsr-3288	165	53	financial	financial	ADJ
fsr-3288	165	54	planner	planner	NOUN
fsr-3288	165	55	while	while	SCONJ
fsr-3288	165	56	scott	scott	PROPN
fsr-3288	165	57	and	and	CCONJ
fsr-3288	165	58	gilliam	gilliam	PROPN
fsr-3288	165	59	(	(	PUNCT
fsr-3288	165	60	2014	2014	NUM
fsr-3288	165	61	)	)	PUNCT
fsr-3288	165	62	measure	measure	NOUN
fsr-3288	165	63	financial	financial	ADJ
fsr-3288	165	64	planner	planner	NOUN
fsr-3288	165	65	and	and	CCONJ
fsr-3288	165	66	nonfinancial	nonfinancial	ADJ
fsr-3288	165	67	planner	planner	NOUN
fsr-3288	165	68	use	use	NOUN
fsr-3288	165	69	,	,	PUNCT
fsr-3288	165	70	although	although	SCONJ
fsr-3288	165	71	it	it	PRON
fsr-3288	165	72	is	be	AUX
fsr-3288	165	73	not	not	PART
fsr-3288	165	74	clear	clear	ADJ
fsr-3288	165	75	if	if	SCONJ
fsr-3288	165	76	the	the	DET
fsr-3288	165	77	saving	saving	NOUN
fsr-3288	165	78	or	or	CCONJ
fsr-3288	165	79	borrowing	borrowing	NOUN
fsr-3288	165	80	question	question	NOUN
fsr-3288	165	81	was	be	AUX
fsr-3288	165	82	used	use	VERB
fsr-3288	165	83	in	in	ADP
fsr-3288	165	84	either	either	DET
fsr-3288	165	85	study	study	NOUN
fsr-3288	165	86	.	.	PUNCT
fsr-3288	166	1	researchers	researcher	NOUN
fsr-3288	166	2	have	have	AUX
fsr-3288	166	3	also	also	ADV
fsr-3288	166	4	used	use	VERB
fsr-3288	166	5	the	the	DET
fsr-3288	166	6	scf	scf	PROPN
fsr-3288	166	7	to	to	PART
fsr-3288	166	8	examine	examine	VERB
fsr-3288	166	9	“	"	PUNCT
fsr-3288	166	10	comprehensive	comprehensive	ADJ
fsr-3288	166	11	”	"	PUNCT
fsr-3288	166	12	financial	financial	ADJ
fsr-3288	166	13	planner	planner	NOUN
fsr-3288	166	14	use	use	NOUN
fsr-3288	166	15	,	,	PUNCT
fsr-3288	166	16	defined	define	VERB
fsr-3288	166	17	as	as	ADP
fsr-3288	166	18	households	household	NOUN
fsr-3288	166	19	reporting	report	VERB
fsr-3288	166	20	the	the	DET
fsr-3288	166	21	use	use	NOUN
fsr-3288	166	22	of	of	ADP
fsr-3288	166	23	a	a	DET
fsr-3288	166	24	financial	financial	ADJ
fsr-3288	166	25	planner	planner	NOUN
fsr-3288	166	26	on	on	ADP
fsr-3288	166	27	both	both	CCONJ
fsr-3288	166	28	the	the	DET
fsr-3288	166	29	saving	saving	NOUN
fsr-3288	166	30	/	/	SYM
fsr-3288	166	31	investment	investment	NOUN
fsr-3288	166	32	and	and	CCONJ
fsr-3288	166	33	borrowing	borrowing	NOUN
fsr-3288	166	34	/	/	SYM
fsr-3288	166	35	credit	credit	NOUN
fsr-3288	166	36	questions	question	NOUN
fsr-3288	166	37	(	(	PUNCT
fsr-3288	166	38	elmerick	elmerick	NOUN
fsr-3288	166	39	et	et	PROPN
fsr-3288	166	40	al	al	PROPN
fsr-3288	166	41	.	.	PROPN
fsr-3288	166	42	,	,	PUNCT
fsr-3288	166	43	2002	2002	NUM
fsr-3288	166	44	)	)	PUNCT
fsr-3288	166	45	.	.	PUNCT
fsr-3288	167	1	lastly	lastly	ADV
fsr-3288	167	2	,	,	PUNCT
fsr-3288	167	3	researchers	researcher	NOUN
fsr-3288	167	4	have	have	AUX
fsr-3288	167	5	classified	classify	VERB
fsr-3288	167	6	financial	financial	ADJ
fsr-3288	167	7	planner	planner	NOUN
fsr-3288	167	8	use	use	NOUN
fsr-3288	167	9	as	as	ADP
fsr-3288	167	10	a	a	DET
fsr-3288	167	11	more	more	ADV
fsr-3288	167	12	general	general	ADJ
fsr-3288	167	13	financial	financial	ADJ
fsr-3288	167	14	professional	professional	ADJ
fsr-3288	167	15	measure	measure	NOUN
fsr-3288	167	16	to	to	PART
fsr-3288	167	17	examine	examine	VERB
fsr-3288	167	18	lowincome	lowincome	NOUN
fsr-3288	167	19	household	household	NOUN
fsr-3288	167	20	saving	saving	NOUN
fsr-3288	167	21	behavior	behavior	NOUN
fsr-3288	167	22	(	(	PUNCT
fsr-3288	167	23	heckman	heckman	PROPN
fsr-3288	167	24	and	and	CCONJ
fsr-3288	167	25	hanna	hanna	PROPN
fsr-3288	167	26	,	,	PUNCT
fsr-3288	167	27	2015	2015	NUM
fsr-3288	167	28	)	)	PUNCT
fsr-3288	167	29	and	and	CCONJ
fsr-3288	167	30	low	low	ADJ
fsr-3288	167	31	-	-	PUNCT
fsr-3288	167	32	income	income	NOUN
fsr-3288	167	33	household	household	NOUN
fsr-3288	167	34	434	434	NUM
fsr-3288	167	35	s.j	s.j	PROPN
fsr-3288	167	36	.	.	PUNCT
fsr-3288	168	1	heckman	heckman	PROPN
fsr-3288	168	2	et	et	PROPN
fsr-3288	168	3	al	al	PROPN
fsr-3288	168	4	.	.	PUNCT
fsr-3288	168	5	/	/	SYM
fsr-3288	168	6	financial	financial	ADJ
fsr-3288	168	7	services	service	NOUN
fsr-3288	168	8	review	review	VERB
fsr-3288	168	9	25	25	NUM
fsr-3288	168	10	(	(	PUNCT
fsr-3288	168	11	2016	2016	NUM
fsr-3288	168	12	)	)	PUNCT
fsr-3288	168	13	427–446	427–446	NUM
fsr-3288	168	14	financial	financial	ADJ
fsr-3288	168	15	behaviors	behavior	NOUN
fsr-3288	168	16	(	(	PUNCT
fsr-3288	168	17	hudson	hudson	NOUN
fsr-3288	168	18	and	and	CCONJ
fsr-3288	168	19	palmer	palmer	PROPN
fsr-3288	168	20	,	,	PUNCT
fsr-3288	168	21	2014	2014	NUM
fsr-3288	168	22	)	)	PUNCT
fsr-3288	168	23	.	.	PUNCT
fsr-3288	169	1	heckman	heckman	PROPN
fsr-3288	169	2	and	and	CCONJ
fsr-3288	169	3	hanna	hanna	PROPN
fsr-3288	169	4	(	(	PUNCT
fsr-3288	169	5	2015	2015	NUM
fsr-3288	169	6	)	)	PUNCT
fsr-3288	169	7	use	use	VERB
fsr-3288	169	8	responses	response	NOUN
fsr-3288	169	9	on	on	ADP
fsr-3288	169	10	either	either	CCONJ
fsr-3288	169	11	the	the	DET
fsr-3288	169	12	saving	saving	NOUN
fsr-3288	169	13	or	or	CCONJ
fsr-3288	169	14	borrowing	borrowing	NOUN
fsr-3288	169	15	question	question	NOUN
fsr-3288	169	16	,	,	PUNCT
fsr-3288	169	17	and	and	CCONJ
fsr-3288	169	18	hudson	hudson	PROPN
fsr-3288	169	19	and	and	CCONJ
fsr-3288	169	20	palmer	palmer	PROPN
fsr-3288	169	21	(	(	PUNCT
fsr-3288	169	22	2014	2014	NUM
fsr-3288	169	23	)	)	PUNCT
fsr-3288	169	24	use	use	VERB
fsr-3288	169	25	only	only	ADV
fsr-3288	169	26	the	the	DET
fsr-3288	169	27	saving	saving	NOUN
fsr-3288	169	28	/	/	SYM
fsr-3288	169	29	investment	investment	NOUN
fsr-3288	169	30	question	question	NOUN
fsr-3288	169	31	.	.	PUNCT
fsr-3288	170	1	2.3	2.3	NUM
fsr-3288	170	2	.	.	PUNCT
fsr-3288	170	3	measures	measure	NOUN
fsr-3288	170	4	in	in	ADP
fsr-3288	170	5	other	other	ADJ
fsr-3288	170	6	datasets	dataset	NOUN
fsr-3288	170	7	the	the	DET
fsr-3288	170	8	review	review	NOUN
fsr-3288	170	9	of	of	ADP
fsr-3288	170	10	literature	literature	NOUN
fsr-3288	170	11	also	also	ADV
fsr-3288	170	12	revealed	reveal	VERB
fsr-3288	170	13	a	a	DET
fsr-3288	170	14	number	number	NOUN
fsr-3288	170	15	of	of	ADP
fsr-3288	170	16	proprietary	proprietary	ADJ
fsr-3288	170	17	and	and	CCONJ
fsr-3288	170	18	primary	primary	ADJ
fsr-3288	170	19	datasets	dataset	NOUN
fsr-3288	170	20	that	that	PRON
fsr-3288	170	21	contained	contain	VERB
fsr-3288	170	22	information	information	NOUN
fsr-3288	170	23	about	about	ADP
fsr-3288	170	24	financial	financial	ADJ
fsr-3288	170	25	planner	planner	NOUN
fsr-3288	170	26	use	use	NOUN
fsr-3288	170	27	.	.	PUNCT
fsr-3288	171	1	although	although	SCONJ
fsr-3288	171	2	these	these	DET
fsr-3288	171	3	datasets	dataset	NOUN
fsr-3288	171	4	may	may	AUX
fsr-3288	171	5	not	not	PART
fsr-3288	171	6	be	be	AUX
fsr-3288	171	7	accessible	accessible	ADJ
fsr-3288	171	8	to	to	ADP
fsr-3288	171	9	other	other	ADJ
fsr-3288	171	10	researchers	researcher	NOUN
fsr-3288	171	11	,	,	PUNCT
fsr-3288	171	12	understanding	understand	VERB
fsr-3288	171	13	the	the	DET
fsr-3288	171	14	measures	measure	NOUN
fsr-3288	171	15	in	in	ADP
fsr-3288	171	16	these	these	DET
fsr-3288	171	17	studies	study	NOUN
fsr-3288	171	18	is	be	AUX
fsr-3288	171	19	helpful	helpful	ADJ
fsr-3288	171	20	in	in	ADP
fsr-3288	171	21	terms	term	NOUN
fsr-3288	171	22	of	of	ADP
fsr-3288	171	23	developing	develop	VERB
fsr-3288	171	24	recommendations	recommendation	NOUN
fsr-3288	171	25	for	for	ADP
fsr-3288	171	26	future	future	ADJ
fsr-3288	171	27	measures	measure	NOUN
fsr-3288	171	28	,	,	PUNCT
fsr-3288	171	29	discussed	discuss	VERB
fsr-3288	171	30	later	later	ADV
fsr-3288	171	31	in	in	ADP
fsr-3288	171	32	this	this	DET
fsr-3288	171	33	article	article	NOUN
fsr-3288	171	34	.	.	PUNCT
fsr-3288	172	1	winchester	winchester	PROPN
fsr-3288	172	2	and	and	CCONJ
fsr-3288	172	3	huston	huston	PROPN
fsr-3288	172	4	(	(	PUNCT
fsr-3288	172	5	2014	2014	NUM
fsr-3288	172	6	)	)	PUNCT
fsr-3288	172	7	analyze	analyze	VERB
fsr-3288	172	8	a	a	DET
fsr-3288	172	9	proprietary	proprietary	ADJ
fsr-3288	172	10	dataset	dataset	NOUN
fsr-3288	172	11	,	,	PUNCT
fsr-3288	172	12	cosponsored	cosponsor	VERB
fsr-3288	172	13	by	by	ADP
fsr-3288	172	14	a	a	DET
fsr-3288	172	15	large	large	ADJ
fsr-3288	172	16	independent	independent	ADJ
fsr-3288	172	17	financial	financial	ADJ
fsr-3288	172	18	services	service	NOUN
fsr-3288	172	19	company	company	NOUN
fsr-3288	172	20	and	and	CCONJ
fsr-3288	172	21	a	a	DET
fsr-3288	172	22	financial	financial	ADJ
fsr-3288	172	23	planning	planning	NOUN
fsr-3288	172	24	professional	professional	ADJ
fsr-3288	172	25	association	association	PROPN
fsr-3288	172	26	,	,	PUNCT
fsr-3288	172	27	in	in	ADP
fsr-3288	172	28	which	which	PRON
fsr-3288	172	29	financial	financial	ADJ
fsr-3288	172	30	planner	planner	NOUN
fsr-3288	172	31	use	use	NOUN
fsr-3288	172	32	was	be	AUX
fsr-3288	172	33	based	base	VERB
fsr-3288	172	34	on	on	ADP
fsr-3288	172	35	responses	response	NOUN
fsr-3288	172	36	to	to	ADP
fsr-3288	172	37	two	two	NUM
fsr-3288	172	38	questions	question	NOUN
fsr-3288	172	39	.	.	PUNCT
fsr-3288	173	1	the	the	DET
fsr-3288	173	2	first	first	ADJ
fsr-3288	173	3	question	question	NOUN
fsr-3288	173	4	asked	ask	VERB
fsr-3288	173	5	if	if	SCONJ
fsr-3288	173	6	the	the	DET
fsr-3288	173	7	respondent	respondent	NOUN
fsr-3288	173	8	had	have	VERB
fsr-3288	173	9	a	a	DET
fsr-3288	173	10	written	write	VERB
fsr-3288	173	11	financial	financial	ADJ
fsr-3288	173	12	plan	plan	NOUN
fsr-3288	173	13	and	and	CCONJ
fsr-3288	173	14	the	the	DET
fsr-3288	173	15	second	second	ADJ
fsr-3288	173	16	asked	ask	VERB
fsr-3288	173	17	how	how	SCONJ
fsr-3288	173	18	that	that	DET
fsr-3288	173	19	plan	plan	NOUN
fsr-3288	173	20	was	be	AUX
fsr-3288	173	21	developed	develop	VERB
fsr-3288	173	22	.	.	PUNCT
fsr-3288	174	1	respondents	respondent	NOUN
fsr-3288	174	2	were	be	AUX
fsr-3288	174	3	identified	identify	VERB
fsr-3288	174	4	as	as	ADP
fsr-3288	174	5	using	use	VERB
fsr-3288	174	6	a	a	DET
fsr-3288	174	7	financial	financial	ADJ
fsr-3288	174	8	planner	planner	NOUN
fsr-3288	174	9	if	if	SCONJ
fsr-3288	174	10	they	they	PRON
fsr-3288	174	11	had	have	VERB
fsr-3288	174	12	a	a	DET
fsr-3288	174	13	written	write	VERB
fsr-3288	174	14	plan	plan	NOUN
fsr-3288	174	15	and	and	CCONJ
fsr-3288	174	16	indicated	indicate	VERB
fsr-3288	174	17	that	that	SCONJ
fsr-3288	174	18	the	the	DET
fsr-3288	174	19	plan	plan	NOUN
fsr-3288	174	20	had	have	AUX
fsr-3288	174	21	been	be	AUX
fsr-3288	174	22	tailored	tailor	VERB
fsr-3288	174	23	to	to	ADP
fsr-3288	174	24	their	their	PRON
fsr-3288	174	25	financial	financial	ADJ
fsr-3288	174	26	goals	goal	NOUN
fsr-3288	174	27	after	after	ADP
fsr-3288	174	28	a	a	DET
fsr-3288	174	29	meeting	meeting	NOUN
fsr-3288	174	30	with	with	ADP
fsr-3288	174	31	a	a	DET
fsr-3288	174	32	financial	financial	ADJ
fsr-3288	174	33	planner	planner	NOUN
fsr-3288	174	34	.	.	PUNCT
fsr-3288	175	1	a	a	DET
fsr-3288	175	2	report	report	NOUN
fsr-3288	175	3	from	from	ADP
fsr-3288	175	4	the	the	DET
fsr-3288	175	5	society	society	NOUN
fsr-3288	175	6	of	of	ADP
fsr-3288	175	7	actuaries	actuary	NOUN
fsr-3288	175	8	(	(	PUNCT
fsr-3288	175	9	soa	soa	PROPN
fsr-3288	175	10	)	)	PUNCT
fsr-3288	175	11	and	and	CCONJ
fsr-3288	175	12	a	a	DET
fsr-3288	175	13	joint	joint	ADJ
fsr-3288	175	14	report	report	NOUN
fsr-3288	175	15	from	from	ADP
fsr-3288	175	16	the	the	DET
fsr-3288	175	17	cfp	cfp	PROPN
fsr-3288	175	18	board	board	PROPN
fsr-3288	175	19	and	and	CCONJ
fsr-3288	175	20	consumer	consumer	PROPN
fsr-3288	175	21	federation	federation	PROPN
fsr-3288	175	22	of	of	ADP
fsr-3288	175	23	american	american	PROPN
fsr-3288	175	24	(	(	PUNCT
fsr-3288	175	25	cfa	cfa	PROPN
fsr-3288	175	26	)	)	PUNCT
fsr-3288	175	27	also	also	ADV
fsr-3288	175	28	examine	examine	VERB
fsr-3288	175	29	financial	financial	ADJ
fsr-3288	175	30	planner	planner	NOUN
fsr-3288	175	31	use	use	NOUN
fsr-3288	175	32	among	among	ADP
fsr-3288	175	33	u.s	u.s	PROPN
fsr-3288	175	34	.	.	PROPN
fsr-3288	175	35	households	household	NOUN
fsr-3288	175	36	.	.	PUNCT
fsr-3288	176	1	one	one	NUM
fsr-3288	176	2	question	question	NOUN
fsr-3288	176	3	in	in	ADP
fsr-3288	176	4	the	the	DET
fsr-3288	176	5	soa	soa	PROPN
fsr-3288	176	6	survey	survey	NOUN
fsr-3288	176	7	asked	ask	VERB
fsr-3288	176	8	respondents	respondent	NOUN
fsr-3288	176	9	the	the	DET
fsr-3288	176	10	following	following	NOUN
fsr-3288	176	11	:	:	PUNCT
fsr-3288	176	12	“	"	PUNCT
fsr-3288	176	13	about	about	ADP
fsr-3288	176	14	how	how	SCONJ
fsr-3288	176	15	often	often	ADV
fsr-3288	176	16	do	do	AUX
fsr-3288	176	17	you	you	PRON
fsr-3288	176	18	(	(	PUNCT
fsr-3288	176	19	and	and	CCONJ
fsr-3288	176	20	your	your	PRON
fsr-3288	176	21	spouse	spouse	NOUN
fsr-3288	176	22	/	/	SYM
fsr-3288	176	23	partner	partner	NOUN
fsr-3288	176	24	)	)	PUNCT
fsr-3288	176	25	consult	consult	VERB
fsr-3288	176	26	with	with	ADP
fsr-3288	176	27	a	a	DET
fsr-3288	176	28	financial	financial	ADJ
fsr-3288	176	29	planner	planner	NOUN
fsr-3288	176	30	or	or	CCONJ
fsr-3288	176	31	adviser	adviser	NOUN
fsr-3288	176	32	who	who	PRON
fsr-3288	176	33	helps	help	VERB
fsr-3288	176	34	you	you	PRON
fsr-3288	176	35	make	make	VERB
fsr-3288	176	36	decisions	decision	NOUN
fsr-3288	176	37	about	about	ADP
fsr-3288	176	38	your	your	PRON
fsr-3288	176	39	retirement	retirement	NOUN
fsr-3288	176	40	/	/	SYM
fsr-3288	176	41	financial	financial	ADJ
fsr-3288	176	42	planning	planning	NOUN
fsr-3288	176	43	and	and	CCONJ
fsr-3288	176	44	is	be	AUX
fsr-3288	176	45	paid	pay	VERB
fsr-3288	176	46	through	through	ADP
fsr-3288	176	47	fees	fee	NOUN
fsr-3288	176	48	or	or	CCONJ
fsr-3288	176	49	commissions	commission	NOUN
fsr-3288	176	50	?	?	PUNCT
fsr-3288	176	51	”	"	PUNCT
fsr-3288	177	1	(	(	PUNCT
fsr-3288	177	2	society	society	NOUN
fsr-3288	177	3	of	of	ADP
fsr-3288	177	4	actuaries	actuary	NOUN
fsr-3288	177	5	,	,	PUNCT
fsr-3288	177	6	2013	2013	NUM
fsr-3288	177	7	,	,	PUNCT
fsr-3288	177	8	p.	p.	NOUN
fsr-3288	177	9	88	88	NUM
fsr-3288	177	10	)	)	PUNCT
fsr-3288	177	11	.	.	PUNCT
fsr-3288	178	1	the	the	DET
fsr-3288	178	2	cfp	cfp	PROPN
fsr-3288	178	3	board	board	PROPN
fsr-3288	178	4	and	and	CCONJ
fsr-3288	178	5	cfa	cfa	PROPN
fsr-3288	178	6	survey	survey	NOUN
fsr-3288	178	7	includes	include	VERB
fsr-3288	178	8	several	several	ADJ
fsr-3288	178	9	items	item	NOUN
fsr-3288	178	10	related	relate	VERB
fsr-3288	178	11	to	to	ADP
fsr-3288	178	12	financial	financial	ADJ
fsr-3288	178	13	plans	plan	NOUN
fsr-3288	178	14	,	,	PUNCT
fsr-3288	178	15	including	include	VERB
fsr-3288	178	16	type	type	NOUN
fsr-3288	178	17	(	(	PUNCT
fsr-3288	178	18	e.g.	e.g.	ADV
fsr-3288	178	19	,	,	PUNCT
fsr-3288	178	20	written	write	VERB
fsr-3288	178	21	)	)	PUNCT
fsr-3288	178	22	and	and	CCONJ
fsr-3288	178	23	recency,6	recency,6	ADJ
fsr-3288	178	24	and	and	CCONJ
fsr-3288	178	25	financial	financial	ADJ
fsr-3288	178	26	planner	planner	NOUN
fsr-3288	178	27	use	use	NOUN
fsr-3288	178	28	in	in	ADP
fsr-3288	178	29	preparing	prepare	VERB
fsr-3288	178	30	those	those	DET
fsr-3288	178	31	plans	plan	NOUN
fsr-3288	178	32	(	(	PUNCT
fsr-3288	178	33	see	see	VERB
fsr-3288	178	34	princeton	princeton	PROPN
fsr-3288	178	35	survey	survey	PROPN
fsr-3288	178	36	research	research	PROPN
fsr-3288	178	37	associates	associates	PROPN
fsr-3288	178	38	international	international	ADJ
fsr-3288	178	39	,	,	PUNCT
fsr-3288	178	40	2013	2013	NUM
fsr-3288	178	41	)	)	PUNCT
fsr-3288	178	42	.	.	PUNCT
fsr-3288	179	1	among	among	ADP
fsr-3288	179	2	respondents	respondent	NOUN
fsr-3288	179	3	who	who	PRON
fsr-3288	179	4	reported	report	VERB
fsr-3288	179	5	having	have	VERB
fsr-3288	179	6	a	a	DET
fsr-3288	179	7	financial	financial	ADJ
fsr-3288	179	8	plan	plan	NOUN
fsr-3288	179	9	,	,	PUNCT
fsr-3288	179	10	two	two	NUM
fsr-3288	179	11	follow	follow	VERB
fsr-3288	179	12	-	-	PUNCT
fsr-3288	179	13	up	up	ADP
fsr-3288	179	14	questions	question	NOUN
fsr-3288	179	15	were	be	AUX
fsr-3288	179	16	asked	ask	VERB
fsr-3288	179	17	:	:	PUNCT
fsr-3288	179	18	“	"	PUNCT
fsr-3288	179	19	did	do	VERB
fsr-3288	179	20	a	a	DET
fsr-3288	179	21	financial	financial	ADJ
fsr-3288	179	22	professional	professional	ADJ
fsr-3288	179	23	help	help	NOUN
fsr-3288	179	24	you	you	PRON
fsr-3288	179	25	to	to	PART
fsr-3288	179	26	prepare	prepare	VERB
fsr-3288	179	27	this	this	DET
fsr-3288	179	28	plan	plan	NOUN
fsr-3288	179	29	?	?	PUNCT
fsr-3288	180	1	for	for	ADP
fsr-3288	180	2	example	example	NOUN
fsr-3288	180	3	,	,	PUNCT
fsr-3288	180	4	a	a	DET
fsr-3288	180	5	financial	financial	ADJ
fsr-3288	180	6	planner	planner	NOUN
fsr-3288	180	7	,	,	PUNCT
fsr-3288	180	8	banker	banker	NOUN
fsr-3288	180	9	,	,	PUNCT
fsr-3288	180	10	stock	stock	NOUN
fsr-3288	180	11	broker	broker	PROPN
fsr-3288	180	12	,	,	PUNCT
fsr-3288	180	13	accountant	accountant	NOUN
fsr-3288	180	14	,	,	PUNCT
fsr-3288	180	15	insurance	insurance	NOUN
fsr-3288	180	16	agent	agent	NOUN
fsr-3288	180	17	,	,	PUNCT
fsr-3288	180	18	or	or	CCONJ
fsr-3288	180	19	investment	investment	NOUN
fsr-3288	180	20	advisor	advisor	NOUN
fsr-3288	180	21	”	"	PUNCT
fsr-3288	180	22	(	(	PUNCT
fsr-3288	180	23	princeton	princeton	PROPN
fsr-3288	180	24	survey	survey	PROPN
fsr-3288	180	25	research	research	PROPN
fsr-3288	180	26	associates	associates	PROPN
fsr-3288	180	27	international	international	PROPN
fsr-3288	180	28	,	,	PUNCT
fsr-3288	180	29	2013	2013	NUM
fsr-3288	180	30	,	,	PUNCT
fsr-3288	180	31	p.	p.	NOUN
fsr-3288	180	32	53	53	NUM
fsr-3288	180	33	)	)	PUNCT
fsr-3288	180	34	.	.	PUNCT
fsr-3288	181	1	“	"	PUNCT
fsr-3288	181	2	some	some	DET
fsr-3288	181	3	financial	financial	ADJ
fsr-3288	181	4	professionals	professional	NOUN
fsr-3288	181	5	who	who	PRON
fsr-3288	181	6	help	help	VERB
fsr-3288	181	7	people	people	NOUN
fsr-3288	181	8	with	with	ADP
fsr-3288	181	9	their	their	PRON
fsr-3288	181	10	plans	plan	NOUN
fsr-3288	181	11	,	,	PUNCT
fsr-3288	181	12	such	such	ADJ
fsr-3288	181	13	as	as	ADP
fsr-3288	181	14	certified	certified	ADJ
fsr-3288	181	15	financial	financial	ADJ
fsr-3288	181	16	planners	planner	NOUN
fsr-3288	181	17	and	and	CCONJ
fsr-3288	181	18	registered	register	VERB
fsr-3288	181	19	investment	investment	NOUN
fsr-3288	181	20	advisors	advisor	NOUN
fsr-3288	181	21	,	,	PUNCT
fsr-3288	181	22	have	have	VERB
fsr-3288	181	23	a	a	DET
fsr-3288	181	24	fiduciary	fiduciary	ADJ
fsr-3288	181	25	duty	duty	NOUN
fsr-3288	181	26	.	.	PUNCT
fsr-3288	182	1	this	this	PRON
fsr-3288	182	2	means	mean	VERB
fsr-3288	182	3	they	they	PRON
fsr-3288	182	4	are	be	AUX
fsr-3288	182	5	required	require	VERB
fsr-3288	182	6	to	to	PART
fsr-3288	182	7	act	act	VERB
fsr-3288	182	8	in	in	ADP
fsr-3288	182	9	the	the	DET
fsr-3288	182	10	best	good	ADJ
fsr-3288	182	11	interest	interest	NOUN
fsr-3288	182	12	of	of	ADP
fsr-3288	182	13	their	their	PRON
fsr-3288	182	14	clients	client	NOUN
fsr-3288	182	15	,	,	PUNCT
fsr-3288	182	16	when	when	SCONJ
fsr-3288	182	17	providing	provide	VERB
fsr-3288	182	18	financial	financial	ADJ
fsr-3288	182	19	planning	planning	NOUN
fsr-3288	182	20	or	or	CCONJ
fsr-3288	182	21	investment	investment	NOUN
fsr-3288	182	22	advice	advice	NOUN
fsr-3288	182	23	.	.	PUNCT
fsr-3288	183	1	as	as	ADV
fsr-3288	183	2	far	far	ADV
fsr-3288	183	3	as	as	SCONJ
fsr-3288	183	4	you	you	PRON
fsr-3288	183	5	know	know	VERB
fsr-3288	183	6	,	,	PUNCT
fsr-3288	183	7	is	be	AUX
fsr-3288	183	8	the	the	DET
fsr-3288	183	9	financial	financial	ADJ
fsr-3288	183	10	professional	professional	NOUN
fsr-3288	183	11	who	who	PRON
fsr-3288	183	12	helped	help	VERB
fsr-3288	183	13	you	you	PRON
fsr-3288	183	14	with	with	ADP
fsr-3288	183	15	your	your	PRON
fsr-3288	183	16	most	most	ADV
fsr-3288	183	17	recent	recent	ADJ
fsr-3288	183	18	plan	plan	NOUN
fsr-3288	183	19	a	a	DET
fsr-3288	183	20	certified	certified	ADJ
fsr-3288	183	21	financial	financial	ADJ
fsr-3288	183	22	planner	planner	NOUN
fsr-3288	183	23	,	,	PUNCT
fsr-3288	183	24	a	a	DET
fsr-3288	183	25	registered	register	VERB
fsr-3288	183	26	investment	investment	NOUN
fsr-3288	183	27	advisor	advisor	NOUN
fsr-3288	183	28	,	,	PUNCT
fsr-3288	183	29	or	or	CCONJ
fsr-3288	183	30	other	other	ADJ
fsr-3288	183	31	professional	professional	NOUN
fsr-3288	183	32	with	with	ADP
fsr-3288	183	33	a	a	DET
fsr-3288	183	34	fiduciary	fiduciary	ADJ
fsr-3288	183	35	duty	duty	NOUN
fsr-3288	183	36	to	to	PART
fsr-3288	183	37	act	act	VERB
fsr-3288	183	38	in	in	ADP
fsr-3288	183	39	your	your	PRON
fsr-3288	183	40	best	good	ADJ
fsr-3288	183	41	interest	interest	NOUN
fsr-3288	183	42	?	?	PUNCT
fsr-3288	183	43	”	"	PUNCT
fsr-3288	184	1	(	(	PUNCT
fsr-3288	184	2	princeton	princeton	PROPN
fsr-3288	184	3	survey	survey	PROPN
fsr-3288	184	4	research	research	PROPN
fsr-3288	184	5	associates	associates	PROPN
fsr-3288	184	6	international	international	PROPN
fsr-3288	184	7	,	,	PUNCT
fsr-3288	184	8	2013	2013	NUM
fsr-3288	184	9	,	,	PUNCT
fsr-3288	184	10	p.	p.	NOUN
fsr-3288	184	11	53	53	NUM
fsr-3288	184	12	)	)	PUNCT
fsr-3288	184	13	.	.	PUNCT
fsr-3288	185	1	several	several	ADJ
fsr-3288	185	2	studies	study	NOUN
fsr-3288	185	3	have	have	AUX
fsr-3288	185	4	used	use	VERB
fsr-3288	185	5	primary	primary	ADJ
fsr-3288	185	6	data	datum	NOUN
fsr-3288	185	7	and	and	CCONJ
fsr-3288	185	8	included	include	VERB
fsr-3288	185	9	measures	measure	NOUN
fsr-3288	185	10	of	of	ADP
fsr-3288	185	11	professional	professional	ADJ
fsr-3288	185	12	financial	financial	ADJ
fsr-3288	185	13	advice	advice	NOUN
fsr-3288	185	14	in	in	ADP
fsr-3288	185	15	general	general	ADJ
fsr-3288	185	16	(	(	PUNCT
fsr-3288	185	17	i.e.	i.e.	X
fsr-3288	185	18	,	,	PUNCT
fsr-3288	185	19	not	not	PART
fsr-3288	185	20	specific	specific	ADJ
fsr-3288	185	21	to	to	ADP
fsr-3288	185	22	financial	financial	ADJ
fsr-3288	185	23	planners	planner	NOUN
fsr-3288	185	24	)	)	PUNCT
fsr-3288	185	25	.	.	PUNCT
fsr-3288	186	1	survey	survey	NOUN
fsr-3288	186	2	questions	question	NOUN
fsr-3288	186	3	include	include	VERB
fsr-3288	186	4	whether	whether	SCONJ
fsr-3288	186	5	respondents	respondent	NOUN
fsr-3288	186	6	relied	rely	VERB
fsr-3288	186	7	on	on	ADP
fsr-3288	186	8	someone	someone	PRON
fsr-3288	186	9	else	else	ADV
fsr-3288	186	10	’s	’s	PART
fsr-3288	186	11	advice	advice	NOUN
fsr-3288	186	12	when	when	SCONJ
fsr-3288	186	13	making	make	VERB
fsr-3288	186	14	investment	investment	NOUN
fsr-3288	186	15	decisions	decision	NOUN
fsr-3288	186	16	(	(	PUNCT
fsr-3288	186	17	kuzniak	kuzniak	PROPN
fsr-3288	186	18	,	,	PUNCT
fsr-3288	186	19	rabbani	rabbani	PROPN
fsr-3288	186	20	,	,	PUNCT
fsr-3288	186	21	heo	heo	PROPN
fsr-3288	186	22	,	,	PUNCT
fsr-3288	186	23	ruiz	ruiz	NOUN
fsr-3288	186	24	-	-	PUNCT
fsr-3288	186	25	menjivar	menjivar	NOUN
fsr-3288	186	26	,	,	PUNCT
fsr-3288	186	27	and	and	CCONJ
fsr-3288	186	28	grable	grable	ADJ
fsr-3288	186	29	,	,	PUNCT
fsr-3288	186	30	2015	2015	NUM
fsr-3288	186	31	)	)	PUNCT
fsr-3288	186	32	,	,	PUNCT
fsr-3288	186	33	whether	whether	SCONJ
fsr-3288	186	34	respondents	respondent	NOUN
fsr-3288	186	35	met	meet	VERB
fsr-3288	186	36	with	with	ADP
fsr-3288	186	37	a	a	DET
fsr-3288	186	38	financial	financial	ADJ
fsr-3288	186	39	advisor	advisor	NOUN
fsr-3288	186	40	in	in	ADP
fsr-3288	186	41	the	the	DET
fsr-3288	186	42	last	last	ADJ
fsr-3288	186	43	12	12	NUM
fsr-3288	186	44	months	month	NOUN
fsr-3288	186	45	(	(	PUNCT
fsr-3288	186	46	zick	zick	PROPN
fsr-3288	186	47	,	,	PUNCT
fsr-3288	186	48	mayer	mayer	PROPN
fsr-3288	186	49	,	,	PUNCT
fsr-3288	186	50	and	and	CCONJ
fsr-3288	186	51	kara	kara	NOUN
fsr-3288	186	52	,	,	PUNCT
fsr-3288	186	53	2012	2012	NUM
fsr-3288	186	54	)	)	PUNCT
fsr-3288	186	55	,	,	PUNCT
fsr-3288	186	56	whether	whether	SCONJ
fsr-3288	186	57	respondents	respondent	NOUN
fsr-3288	186	58	took	take	VERB
fsr-3288	186	59	advantage	advantage	NOUN
fsr-3288	186	60	of	of	ADP
fsr-3288	186	61	meeting	meet	VERB
fsr-3288	186	62	with	with	ADP
fsr-3288	186	63	a	a	DET
fsr-3288	186	64	financial	financial	ADJ
fsr-3288	186	65	coach7	coach7	X
fsr-3288	186	66	(	(	PUNCT
fsr-3288	186	67	moulton	moulton	PROPN
fsr-3288	186	68	,	,	PUNCT
fsr-3288	186	69	loibl	loibl	PROPN
fsr-3288	186	70	,	,	PUNCT
fsr-3288	186	71	samak	samak	PROPN
fsr-3288	186	72	,	,	PUNCT
fsr-3288	186	73	and	and	CCONJ
fsr-3288	186	74	collins	collin	NOUN
fsr-3288	186	75	,	,	PUNCT
fsr-3288	186	76	2013	2013	NUM
fsr-3288	186	77	)	)	PUNCT
fsr-3288	186	78	,	,	PUNCT
fsr-3288	186	79	435s.j	435s.j	NOUN
fsr-3288	186	80	.	.	PUNCT
fsr-3288	187	1	heckman	heckman	PROPN
fsr-3288	187	2	et	et	PROPN
fsr-3288	187	3	al	al	PROPN
fsr-3288	187	4	.	.	PUNCT
fsr-3288	187	5	/	/	SYM
fsr-3288	187	6	financial	financial	ADJ
fsr-3288	187	7	services	service	NOUN
fsr-3288	187	8	review	review	VERB
fsr-3288	187	9	25	25	NUM
fsr-3288	187	10	(	(	PUNCT
fsr-3288	187	11	2016	2016	NUM
fsr-3288	187	12	)	)	PUNCT
fsr-3288	187	13	427–446	427–446	NUM
fsr-3288	187	14	and	and	CCONJ
fsr-3288	187	15	whether	whether	SCONJ
fsr-3288	187	16	respondents	respondent	NOUN
fsr-3288	187	17	consulted	consult	VERB
fsr-3288	187	18	a	a	DET
fsr-3288	187	19	financial	financial	ADJ
fsr-3288	187	20	professional	professional	NOUN
fsr-3288	187	21	or	or	CCONJ
fsr-3288	187	22	advisor	advisor	NOUN
fsr-3288	187	23	(	(	PUNCT
fsr-3288	187	24	eccles	eccles	PROPN
fsr-3288	187	25	,	,	PUNCT
fsr-3288	187	26	ward	ward	NOUN
fsr-3288	187	27	,	,	PUNCT
fsr-3288	187	28	goldsmith	goldsmith	NOUN
fsr-3288	187	29	,	,	PUNCT
fsr-3288	187	30	and	and	CCONJ
fsr-3288	187	31	arsal	arsal	NOUN
fsr-3288	187	32	,	,	PUNCT
fsr-3288	187	33	2013	2013	NUM
fsr-3288	187	34	;	;	PUNCT
fsr-3288	187	35	gibson	gibson	PROPN
fsr-3288	187	36	,	,	PUNCT
fsr-3288	187	37	michayluk	michayluk	NOUN
fsr-3288	187	38	,	,	PUNCT
fsr-3288	187	39	and	and	CCONJ
fsr-3288	187	40	van	van	PROPN
fsr-3288	187	41	de	de	PROPN
fsr-3288	187	42	venter	venter	PROPN
fsr-3288	187	43	,	,	PUNCT
fsr-3288	187	44	2013	2013	NUM
fsr-3288	187	45	)	)	PUNCT
fsr-3288	187	46	.	.	PUNCT
fsr-3288	188	1	gibson	gibson	PROPN
fsr-3288	188	2	et	et	PROPN
fsr-3288	188	3	al	al	PROPN
fsr-3288	188	4	.	.	PROPN
fsr-3288	189	1	(	(	PUNCT
fsr-3288	189	2	2013	2013	NUM
fsr-3288	189	3	)	)	PUNCT
fsr-3288	189	4	also	also	ADV
fsr-3288	189	5	included	include	VERB
fsr-3288	189	6	whether	whether	SCONJ
fsr-3288	189	7	the	the	DET
fsr-3288	189	8	respondent	respondent	NOUN
fsr-3288	189	9	used	use	VERB
fsr-3288	189	10	an	an	DET
fsr-3288	189	11	advisor	advisor	NOUN
fsr-3288	189	12	two	two	NUM
fsr-3288	189	13	years	year	NOUN
fsr-3288	189	14	ago	ago	ADV
fsr-3288	189	15	and	and	CCONJ
fsr-3288	189	16	whether	whether	SCONJ
fsr-3288	189	17	or	or	CCONJ
fsr-3288	189	18	not	not	PART
fsr-3288	189	19	the	the	DET
fsr-3288	189	20	current	current	ADJ
fsr-3288	189	21	and	and	CCONJ
fsr-3288	189	22	previous	previous	ADJ
fsr-3288	189	23	advisor	advisor	NOUN
fsr-3288	189	24	(	(	PUNCT
fsr-3288	189	25	i.e.	i.e.	X
fsr-3288	189	26	,	,	PUNCT
fsr-3288	189	27	from	from	ADP
fsr-3288	189	28	two	two	NUM
fsr-3288	189	29	years	year	NOUN
fsr-3288	189	30	ago	ago	ADV
fsr-3288	189	31	)	)	PUNCT
fsr-3288	189	32	were	be	AUX
fsr-3288	189	33	the	the	DET
fsr-3288	189	34	same	same	ADJ
fsr-3288	189	35	person	person	NOUN
fsr-3288	189	36	.	.	PUNCT
fsr-3288	190	1	warschauer	warschauer	NOUN
fsr-3288	190	2	and	and	CCONJ
fsr-3288	190	3	sciglimpaglia	sciglimpaglia	NOUN
fsr-3288	190	4	(	(	PUNCT
fsr-3288	190	5	2012	2012	NUM
fsr-3288	190	6	)	)	PUNCT
fsr-3288	190	7	obtained	obtain	VERB
fsr-3288	190	8	the	the	DET
fsr-3288	190	9	most	most	ADV
fsr-3288	190	10	detailed	detailed	ADJ
fsr-3288	190	11	information	information	NOUN
fsr-3288	190	12	about	about	ADP
fsr-3288	190	13	household	household	NOUN
fsr-3288	190	14	financial	financial	ADJ
fsr-3288	190	15	planner	planner	NOUN
fsr-3288	190	16	use	use	NOUN
fsr-3288	190	17	to	to	ADP
fsr-3288	190	18	date	date	NOUN
fsr-3288	190	19	.	.	PUNCT
fsr-3288	191	1	they	they	PRON
fsr-3288	191	2	examine	examine	VERB
fsr-3288	191	3	consumer	consumer	NOUN
fsr-3288	191	4	perceptions	perception	NOUN
fsr-3288	191	5	about	about	ADP
fsr-3288	191	6	the	the	DET
fsr-3288	191	7	value	value	NOUN
fsr-3288	191	8	of	of	ADP
fsr-3288	191	9	financial	financial	ADJ
fsr-3288	191	10	planning	planning	NOUN
fsr-3288	191	11	services	service	NOUN
fsr-3288	191	12	and	and	CCONJ
fsr-3288	191	13	their	their	PRON
fsr-3288	191	14	survey	survey	NOUN
fsr-3288	191	15	included	include	VERB
fsr-3288	191	16	questions	question	NOUN
fsr-3288	191	17	about	about	ADP
fsr-3288	191	18	previous	previous	ADJ
fsr-3288	191	19	experience	experience	NOUN
fsr-3288	191	20	with	with	ADP
fsr-3288	191	21	financial	financial	ADJ
fsr-3288	191	22	planners	planner	NOUN
fsr-3288	191	23	and	and	CCONJ
fsr-3288	191	24	the	the	DET
fsr-3288	191	25	perceived	perceive	VERB
fsr-3288	191	26	qualifications	qualification	NOUN
fsr-3288	191	27	of	of	ADP
fsr-3288	191	28	the	the	DET
fsr-3288	191	29	respondents	respondent	NOUN
fsr-3288	191	30	’	’	PART
fsr-3288	191	31	financial	financial	ADJ
fsr-3288	191	32	planners	planner	NOUN
fsr-3288	191	33	.	.	PUNCT
fsr-3288	192	1	experience	experience	NOUN
fsr-3288	192	2	questions	question	NOUN
fsr-3288	192	3	included	include	VERB
fsr-3288	192	4	whether	whether	SCONJ
fsr-3288	192	5	the	the	DET
fsr-3288	192	6	respondent	respondent	NOUN
fsr-3288	192	7	had	have	VERB
fsr-3288	192	8	(	(	PUNCT
fsr-3288	192	9	1	1	NUM
fsr-3288	192	10	)	)	PUNCT
fsr-3288	192	11	an	an	DET
fsr-3288	192	12	up	up	ADP
fsr-3288	192	13	-	-	PUNCT
fsr-3288	192	14	to	to	ADP
fsr-3288	192	15	-	-	PUNCT
fsr-3288	192	16	date	date	NOUN
fsr-3288	192	17	comprehensive	comprehensive	ADJ
fsr-3288	192	18	written	write	VERB
fsr-3288	192	19	plan	plan	NOUN
fsr-3288	192	20	,	,	PUNCT
fsr-3288	192	21	(	(	PUNCT
fsr-3288	192	22	2	2	X
fsr-3288	192	23	)	)	PUNCT
fsr-3288	192	24	a	a	DET
fsr-3288	192	25	written	write	VERB
fsr-3288	192	26	plan	plan	NOUN
fsr-3288	192	27	focused	focus	VERB
fsr-3288	192	28	on	on	ADP
fsr-3288	192	29	one	one	NUM
fsr-3288	192	30	or	or	CCONJ
fsr-3288	192	31	two	two	NUM
fsr-3288	192	32	issues	issue	NOUN
fsr-3288	192	33	,	,	PUNCT
fsr-3288	192	34	(	(	PUNCT
fsr-3288	192	35	3	3	X
fsr-3288	192	36	)	)	PUNCT
fsr-3288	192	37	received	receive	VERB
fsr-3288	192	38	professional	professional	ADJ
fsr-3288	192	39	advice	advice	NOUN
fsr-3288	192	40	orally	orally	ADV
fsr-3288	192	41	but	but	CCONJ
fsr-3288	192	42	did	do	AUX
fsr-3288	192	43	not	not	PART
fsr-3288	192	44	have	have	VERB
fsr-3288	192	45	a	a	DET
fsr-3288	192	46	written	write	VERB
fsr-3288	192	47	plan	plan	NOUN
fsr-3288	192	48	,	,	PUNCT
fsr-3288	192	49	and	and	CCONJ
fsr-3288	192	50	(	(	PUNCT
fsr-3288	192	51	4	4	X
fsr-3288	192	52	)	)	PUNCT
fsr-3288	192	53	had	have	VERB
fsr-3288	192	54	a	a	DET
fsr-3288	192	55	plan	plan	NOUN
fsr-3288	192	56	but	but	CCONJ
fsr-3288	192	57	it	it	PRON
fsr-3288	192	58	is	be	AUX
fsr-3288	192	59	out	out	ADV
fsr-3288	192	60	-	-	PUNCT
fsr-3288	192	61	of	of	ADP
fsr-3288	192	62	-	-	PUNCT
fsr-3288	192	63	date	date	NOUN
fsr-3288	192	64	(	(	PUNCT
fsr-3288	192	65	warschauer	warschauer	NOUN
fsr-3288	192	66	and	and	CCONJ
fsr-3288	192	67	sciglimpaglia	sciglimpaglia	NOUN
fsr-3288	192	68	,	,	PUNCT
fsr-3288	192	69	2012	2012	NUM
fsr-3288	192	70	,	,	PUNCT
fsr-3288	192	71	p.	p.	NOUN
fsr-3288	192	72	199	199	NUM
fsr-3288	192	73	)	)	PUNCT
fsr-3288	192	74	.	.	PUNCT
fsr-3288	193	1	among	among	ADP
fsr-3288	193	2	respondents	respondent	NOUN
fsr-3288	193	3	who	who	PRON
fsr-3288	193	4	reported	report	VERB
fsr-3288	193	5	experience	experience	NOUN
fsr-3288	193	6	with	with	ADP
fsr-3288	193	7	a	a	DET
fsr-3288	193	8	financial	financial	ADJ
fsr-3288	193	9	planner	planner	NOUN
fsr-3288	193	10	,	,	PUNCT
fsr-3288	193	11	the	the	DET
fsr-3288	193	12	survey	survey	NOUN
fsr-3288	193	13	asked	ask	VERB
fsr-3288	193	14	for	for	ADP
fsr-3288	193	15	the	the	DET
fsr-3288	193	16	planner	planner	NOUN
fsr-3288	193	17	’s	’s	PART
fsr-3288	193	18	qualifications	qualification	NOUN
fsr-3288	193	19	with	with	ADP
fsr-3288	193	20	the	the	DET
fsr-3288	193	21	following	follow	VERB
fsr-3288	193	22	response	response	NOUN
fsr-3288	193	23	categories	category	NOUN
fsr-3288	193	24	:	:	PUNCT
fsr-3288	193	25	(	(	PUNCT
fsr-3288	193	26	1	1	X
fsr-3288	193	27	)	)	PUNCT
fsr-3288	193	28	“	"	PUNCT
fsr-3288	193	29	cfp	cfp	NOUN
fsr-3288	193	30	licenses	license	NOUN
fsr-3288	193	31	,	,	PUNCT
fsr-3288	193	32	”	"	PUNCT
fsr-3288	193	33	(	(	PUNCT
fsr-3288	193	34	2	2	X
fsr-3288	193	35	)	)	PUNCT
fsr-3288	193	36	“	"	PUNCT
fsr-3288	193	37	cpa	cpa	NOUN
fsr-3288	193	38	,	,	PUNCT
fsr-3288	193	39	enrolled	enrol	VERB
fsr-3288	193	40	agents	agent	NOUN
fsr-3288	193	41	,	,	PUNCT
fsr-3288	193	42	or	or	CCONJ
fsr-3288	193	43	licensed	license	VERB
fsr-3288	193	44	tax	tax	NOUN
fsr-3288	193	45	preparers	preparer	NOUN
fsr-3288	193	46	,	,	PUNCT
fsr-3288	193	47	”	"	PUNCT
fsr-3288	193	48	(	(	PUNCT
fsr-3288	193	49	3	3	X
fsr-3288	193	50	)	)	PUNCT
fsr-3288	193	51	“	"	PUNCT
fsr-3288	193	52	licensed	licensed	ADJ
fsr-3288	193	53	attorney	attorney	NOUN
fsr-3288	193	54	,	,	PUNCT
fsr-3288	193	55	”	"	PUNCT
fsr-3288	193	56	(	(	PUNCT
fsr-3288	193	57	4	4	NUM
fsr-3288	193	58	)	)	PUNCT
fsr-3288	193	59	“	"	PUNCT
fsr-3288	193	60	stock	stock	NOUN
fsr-3288	193	61	broker	broker	NOUN
fsr-3288	193	62	or	or	CCONJ
fsr-3288	193	63	insurance	insurance	NOUN
fsr-3288	193	64	agent	agent	NOUN
fsr-3288	193	65	,	,	PUNCT
fsr-3288	193	66	”	"	PUNCT
fsr-3288	193	67	(	(	PUNCT
fsr-3288	193	68	5	5	NUM
fsr-3288	193	69	)	)	PUNCT
fsr-3288	193	70	“	"	PUNCT
fsr-3288	193	71	private	private	ADJ
fsr-3288	193	72	or	or	CCONJ
fsr-3288	193	73	personal	personal	ADJ
fsr-3288	193	74	banker	banker	NOUN
fsr-3288	193	75	,	,	PUNCT
fsr-3288	193	76	”	"	PUNCT
fsr-3288	193	77	(	(	PUNCT
fsr-3288	193	78	6	6	NUM
fsr-3288	193	79	)	)	PUNCT
fsr-3288	193	80	“	"	PUNCT
fsr-3288	193	81	fee	fee	NOUN
fsr-3288	193	82	-	-	PUNCT
fsr-3288	193	83	only	only	ADV
fsr-3288	193	84	planner	planner	NOUN
fsr-3288	193	85	,	,	PUNCT
fsr-3288	193	86	”	"	PUNCT
fsr-3288	193	87	and	and	CCONJ
fsr-3288	193	88	(	(	PUNCT
fsr-3288	193	89	7	7	X
fsr-3288	193	90	)	)	PUNCT
fsr-3288	193	91	“	"	PUNCT
fsr-3288	193	92	do	do	AUX
fsr-3288	193	93	n’t	not	PART
fsr-3288	193	94	know	know	VERB
fsr-3288	193	95	”	"	PUNCT
fsr-3288	193	96	(	(	PUNCT
fsr-3288	193	97	warschauer	warschauer	NOUN
fsr-3288	193	98	and	and	CCONJ
fsr-3288	193	99	sciglimpaglia	sciglimpaglia	NOUN
fsr-3288	193	100	,	,	PUNCT
fsr-3288	193	101	2012	2012	NUM
fsr-3288	193	102	,	,	PUNCT
fsr-3288	193	103	p.	p.	NOUN
fsr-3288	193	104	200	200	NUM
fsr-3288	193	105	)	)	PUNCT
fsr-3288	193	106	.	.	PUNCT
fsr-3288	194	1	2.4	2.4	NUM
fsr-3288	194	2	.	.	PUNCT
fsr-3288	194	3	summary	summary	NOUN
fsr-3288	194	4	and	and	CCONJ
fsr-3288	194	5	gap	gap	NOUN
fsr-3288	194	6	to	to	PART
fsr-3288	194	7	summarize	summarize	VERB
fsr-3288	194	8	,	,	PUNCT
fsr-3288	194	9	researchers	researcher	NOUN
fsr-3288	194	10	have	have	AUX
fsr-3288	194	11	measured	measure	VERB
fsr-3288	194	12	financial	financial	ADJ
fsr-3288	194	13	planner	planner	NOUN
fsr-3288	194	14	use	use	NOUN
fsr-3288	194	15	among	among	ADP
fsr-3288	194	16	u.s	u.s	PROPN
fsr-3288	194	17	.	.	PROPN
fsr-3288	194	18	households	household	NOUN
fsr-3288	194	19	in	in	ADP
fsr-3288	194	20	a	a	DET
fsr-3288	194	21	variety	variety	NOUN
fsr-3288	194	22	of	of	ADP
fsr-3288	194	23	ways	way	NOUN
fsr-3288	194	24	.	.	PUNCT
fsr-3288	195	1	although	although	SCONJ
fsr-3288	195	2	publicly	publicly	ADV
fsr-3288	195	3	available	available	ADJ
fsr-3288	195	4	datasets	dataset	NOUN
fsr-3288	195	5	provide	provide	VERB
fsr-3288	195	6	survey	survey	NOUN
fsr-3288	195	7	items	item	NOUN
fsr-3288	195	8	regarding	regard	VERB
fsr-3288	195	9	u.s	u.s	PROPN
fsr-3288	195	10	.	.	PROPN
fsr-3288	195	11	household	household	NOUN
fsr-3288	195	12	use	use	NOUN
fsr-3288	195	13	of	of	ADP
fsr-3288	195	14	financial	financial	ADJ
fsr-3288	195	15	planners	planner	NOUN
fsr-3288	195	16	the	the	DET
fsr-3288	195	17	literature	literature	NOUN
fsr-3288	195	18	to	to	ADP
fsr-3288	195	19	date	date	NOUN
fsr-3288	195	20	has	have	AUX
fsr-3288	195	21	not	not	PART
fsr-3288	195	22	carefully	carefully	ADV
fsr-3288	195	23	evaluated	evaluate	VERB
fsr-3288	195	24	the	the	DET
fsr-3288	195	25	validity	validity	NOUN
fsr-3288	195	26	of	of	ADP
fsr-3288	195	27	such	such	ADJ
fsr-3288	195	28	data	datum	NOUN
fsr-3288	195	29	.	.	PUNCT
fsr-3288	196	1	to	to	ADP
fsr-3288	196	2	the	the	DET
fsr-3288	196	3	authors	author	NOUN
fsr-3288	196	4	’	’	PART
fsr-3288	196	5	knowledge	knowledge	NOUN
fsr-3288	196	6	,	,	PUNCT
fsr-3288	196	7	there	there	PRON
fsr-3288	196	8	are	be	VERB
fsr-3288	196	9	no	no	DET
fsr-3288	196	10	studies	study	NOUN
fsr-3288	196	11	that	that	PRON
fsr-3288	196	12	focus	focus	VERB
fsr-3288	196	13	on	on	ADP
fsr-3288	196	14	the	the	DET
fsr-3288	196	15	measurement	measurement	NOUN
fsr-3288	196	16	of	of	ADP
fsr-3288	196	17	financial	financial	ADJ
fsr-3288	196	18	planner	planner	NOUN
fsr-3288	196	19	use	use	NOUN
fsr-3288	196	20	.	.	PUNCT
fsr-3288	197	1	therefore	therefore	ADV
fsr-3288	197	2	,	,	PUNCT
fsr-3288	197	3	this	this	DET
fsr-3288	197	4	study	study	NOUN
fsr-3288	197	5	contributes	contribute	VERB
fsr-3288	197	6	to	to	ADP
fsr-3288	197	7	the	the	DET
fsr-3288	197	8	literature	literature	NOUN
fsr-3288	197	9	by	by	ADP
fsr-3288	197	10	providing	provide	VERB
fsr-3288	197	11	an	an	DET
fsr-3288	197	12	evaluation	evaluation	NOUN
fsr-3288	197	13	of	of	ADP
fsr-3288	197	14	current	current	ADJ
fsr-3288	197	15	publicly	publicly	ADV
fsr-3288	197	16	available	available	ADJ
fsr-3288	197	17	measures	measure	NOUN
fsr-3288	197	18	of	of	ADP
fsr-3288	197	19	financial	financial	ADJ
fsr-3288	197	20	planner	planner	NOUN
fsr-3288	197	21	use	use	NOUN
fsr-3288	197	22	and	and	CCONJ
fsr-3288	197	23	by	by	ADP
fsr-3288	197	24	concluding	conclude	VERB
fsr-3288	197	25	with	with	ADP
fsr-3288	197	26	measurement	measurement	NOUN
fsr-3288	197	27	recommendations	recommendation	NOUN
fsr-3288	197	28	for	for	ADP
fsr-3288	197	29	researchers	researcher	NOUN
fsr-3288	197	30	.	.	PUNCT
fsr-3288	198	1	3	3	X
fsr-3288	198	2	.	.	X
fsr-3288	198	3	method	method	PROPN
fsr-3288	198	4	3.1	3.1	NUM
fsr-3288	198	5	.	.	PUNCT
fsr-3288	199	1	sample	sample	NOUN
fsr-3288	199	2	and	and	CCONJ
fsr-3288	199	3	analysis	analysis	NOUN
fsr-3288	199	4	we	we	PRON
fsr-3288	199	5	evaluate	evaluate	VERB
fsr-3288	199	6	the	the	DET
fsr-3288	199	7	validity	validity	NOUN
fsr-3288	199	8	of	of	ADP
fsr-3288	199	9	the	the	DET
fsr-3288	199	10	financial	financial	ADJ
fsr-3288	199	11	planner	planner	NOUN
fsr-3288	199	12	use	use	VERB
fsr-3288	199	13	measures	measure	NOUN
fsr-3288	199	14	in	in	ADP
fsr-3288	199	15	seven	seven	NUM
fsr-3288	199	16	national	national	ADJ
fsr-3288	199	17	datasets8	datasets8	NOUN
fsr-3288	199	18	by	by	ADP
fsr-3288	199	19	providing	provide	VERB
fsr-3288	199	20	a	a	DET
fsr-3288	199	21	careful	careful	ADJ
fsr-3288	199	22	examination	examination	NOUN
fsr-3288	199	23	of	of	ADP
fsr-3288	199	24	the	the	DET
fsr-3288	199	25	content	content	NOUN
fsr-3288	199	26	validity	validity	NOUN
fsr-3288	199	27	of	of	ADP
fsr-3288	199	28	the	the	DET
fsr-3288	199	29	individual	individual	ADJ
fsr-3288	199	30	survey	survey	NOUN
fsr-3288	199	31	questions	question	NOUN
fsr-3288	199	32	in	in	ADP
fsr-3288	199	33	two	two	NUM
fsr-3288	199	34	ways	way	NOUN
fsr-3288	199	35	.	.	PUNCT
fsr-3288	200	1	first	first	ADV
fsr-3288	200	2	,	,	PUNCT
fsr-3288	200	3	we	we	PRON
fsr-3288	200	4	evaluate	evaluate	VERB
fsr-3288	200	5	the	the	DET
fsr-3288	200	6	content	content	NOUN
fsr-3288	200	7	validity	validity	NOUN
fsr-3288	200	8	of	of	ADP
fsr-3288	200	9	each	each	DET
fsr-3288	200	10	measure	measure	NOUN
fsr-3288	200	11	using	use	VERB
fsr-3288	200	12	the	the	DET
fsr-3288	200	13	cfp	cfp	PROPN
fsr-3288	200	14	board	board	PROPN
fsr-3288	200	15	’s	’s	PART
fsr-3288	200	16	definition	definition	NOUN
fsr-3288	200	17	of	of	ADP
fsr-3288	200	18	financial	financial	ADJ
fsr-3288	200	19	planning	planning	NOUN
fsr-3288	200	20	.	.	PUNCT
fsr-3288	201	1	the	the	DET
fsr-3288	201	2	cfp	cfp	PROPN
fsr-3288	201	3	board	board	PROPN
fsr-3288	201	4	’s	’s	PART
fsr-3288	201	5	definitional	definitional	ADJ
fsr-3288	201	6	framework	framework	NOUN
fsr-3288	201	7	provides	provide	VERB
fsr-3288	201	8	nine	nine	NUM
fsr-3288	201	9	distinct	distinct	ADJ
fsr-3288	201	10	content	content	NOUN
fsr-3288	201	11	domains	domain	NOUN
fsr-3288	201	12	that	that	PRON
fsr-3288	201	13	are	be	AUX
fsr-3288	201	14	critical	critical	ADJ
fsr-3288	201	15	to	to	ADP
fsr-3288	201	16	determining	determine	VERB
fsr-3288	201	17	whether	whether	SCONJ
fsr-3288	201	18	financial	financial	ADJ
fsr-3288	201	19	planning	planning	NOUN
fsr-3288	201	20	has	have	AUX
fsr-3288	201	21	occurred	occur	VERB
fsr-3288	201	22	.	.	PUNCT
fsr-3288	202	1	consequently	consequently	ADV
fsr-3288	202	2	,	,	PUNCT
fsr-3288	202	3	each	each	DET
fsr-3288	202	4	measure	measure	NOUN
fsr-3288	202	5	is	be	AUX
fsr-3288	202	6	evaluated	evaluate	VERB
fsr-3288	202	7	based	base	VERB
fsr-3288	202	8	on	on	ADP
fsr-3288	202	9	the	the	DET
fsr-3288	202	10	extent	extent	NOUN
fsr-3288	202	11	it	it	PRON
fsr-3288	202	12	addresses	address	VERB
fsr-3288	202	13	each	each	PRON
fsr-3288	202	14	of	of	ADP
fsr-3288	202	15	these	these	DET
fsr-3288	202	16	domains	domain	NOUN
fsr-3288	202	17	.	.	PUNCT
fsr-3288	203	1	second	second	ADJ
fsr-3288	203	2	,	,	PUNCT
fsr-3288	203	3	longitudinal	longitudinal	ADJ
fsr-3288	203	4	datasets	dataset	NOUN
fsr-3288	203	5	are	be	AUX
fsr-3288	203	6	used	use	VERB
fsr-3288	203	7	to	to	PART
fsr-3288	203	8	evaluate	evaluate	VERB
fsr-3288	203	9	the	the	DET
fsr-3288	203	10	extent	extent	NOUN
fsr-3288	203	11	that	that	SCONJ
fsr-3288	203	12	each	each	DET
fsr-3288	203	13	measure	measure	NOUN
fsr-3288	203	14	validly	validly	ADV
fsr-3288	203	15	tracks	track	VERB
fsr-3288	203	16	a	a	DET
fsr-3288	203	17	household	household	NOUN
fsr-3288	203	18	’s	’s	PART
fsr-3288	203	19	use	use	NOUN
fsr-3288	203	20	of	of	ADP
fsr-3288	203	21	a	a	DET
fsr-3288	203	22	financial	financial	ADJ
fsr-3288	203	23	planner	planner	NOUN
fsr-3288	203	24	over	over	ADP
fsr-3288	203	25	time	time	NOUN
fsr-3288	203	26	.	.	PUNCT
fsr-3288	204	1	specifically	specifically	ADV
fsr-3288	204	2	,	,	PUNCT
fsr-3288	204	3	we	we	PRON
fsr-3288	204	4	evaluate	evaluate	VERB
fsr-3288	204	5	what	what	PRON
fsr-3288	204	6	these	these	DET
fsr-3288	204	7	measures	measure	NOUN
fsr-3288	204	8	imply	imply	VERB
fsr-3288	204	9	about	about	ADP
fsr-3288	204	10	respondents	respondent	NOUN
fsr-3288	204	11	’	'	PUNCT
fsr-3288	204	12	changes	change	NOUN
fsr-3288	204	13	in	in	ADP
fsr-3288	204	14	financial	financial	ADJ
fsr-3288	204	15	planner	planner	NOUN
fsr-3288	204	16	use	use	NOUN
fsr-3288	204	17	between	between	ADP
fsr-3288	204	18	two	two	NUM
fsr-3288	204	19	time	time	NOUN
fsr-3288	204	20	periods	period	NOUN
fsr-3288	204	21	.	.	PUNCT
fsr-3288	205	1	although	although	SCONJ
fsr-3288	205	2	the	the	DET
fsr-3288	205	3	alp	alp	PROPN
fsr-3288	205	4	,	,	PUNCT
fsr-3288	205	5	hrs	hrs	NOUN
fsr-3288	205	6	,	,	PUNCT
fsr-3288	205	7	nlsy97	nlsy97	X
fsr-3288	205	8	are	be	AUX
fsr-3288	205	9	all	all	ADV
fsr-3288	205	10	longitudinal	longitudinal	ADJ
fsr-3288	205	11	,	,	PUNCT
fsr-3288	205	12	none	none	NOUN
fsr-3288	205	13	are	be	AUX
fsr-3288	205	14	suitable	suitable	ADJ
fsr-3288	205	15	for	for	ADP
fsr-3288	205	16	this	this	DET
fsr-3288	205	17	436	436	NUM
fsr-3288	205	18	s.j	s.j	PROPN
fsr-3288	205	19	.	.	PUNCT
fsr-3288	206	1	heckman	heckman	PROPN
fsr-3288	206	2	et	et	PROPN
fsr-3288	206	3	al	al	PROPN
fsr-3288	206	4	.	.	PUNCT
fsr-3288	206	5	/	/	SYM
fsr-3288	206	6	financial	financial	ADJ
fsr-3288	206	7	services	service	NOUN
fsr-3288	206	8	review	review	VERB
fsr-3288	206	9	25	25	NUM
fsr-3288	206	10	(	(	PUNCT
fsr-3288	206	11	2016	2016	NUM
fsr-3288	206	12	)	)	PUNCT
fsr-3288	206	13	427–446	427–446	NUM
fsr-3288	206	14	type	type	NOUN
fsr-3288	206	15	of	of	ADP
fsr-3288	206	16	analysis	analysis	NOUN
fsr-3288	206	17	.	.	PUNCT
fsr-3288	207	1	only	only	ADV
fsr-3288	207	2	five	five	NUM
fsr-3288	207	3	individuals	individual	NOUN
fsr-3288	207	4	participate	participate	VERB
fsr-3288	207	5	in	in	ADP
fsr-3288	207	6	both	both	PRON
fsr-3288	207	7	survey	survey	NOUN
fsr-3288	207	8	5	5	NUM
fsr-3288	207	9	and	and	CCONJ
fsr-3288	207	10	survey	survey	NOUN
fsr-3288	207	11	21	21	NUM
fsr-3288	207	12	of	of	ADP
fsr-3288	207	13	the	the	DET
fsr-3288	207	14	alp	alp	NOUN
fsr-3288	207	15	;	;	PUNCT
fsr-3288	207	16	the	the	DET
fsr-3288	207	17	hrs	hrs	NOUN
fsr-3288	207	18	does	do	AUX
fsr-3288	207	19	not	not	PART
fsr-3288	207	20	use	use	VERB
fsr-3288	207	21	consistent	consistent	ADJ
fsr-3288	207	22	questions	question	NOUN
fsr-3288	207	23	in	in	ADP
fsr-3288	207	24	different	different	ADJ
fsr-3288	207	25	survey	survey	NOUN
fsr-3288	207	26	years	year	NOUN
fsr-3288	207	27	;	;	PUNCT
fsr-3288	207	28	and	and	CCONJ
fsr-3288	207	29	the	the	DET
fsr-3288	207	30	nlsy97	nlsy97	NOUN
fsr-3288	207	31	question	question	NOUN
fsr-3288	207	32	is	be	AUX
fsr-3288	207	33	too	too	ADV
fsr-3288	207	34	vague	vague	ADJ
fsr-3288	207	35	for	for	ADP
fsr-3288	207	36	inference	inference	NOUN
fsr-3288	207	37	.	.	PUNCT
fsr-3288	208	1	the	the	DET
fsr-3288	208	2	remaining	remain	VERB
fsr-3288	208	3	datasets	dataset	NOUN
fsr-3288	208	4	(	(	PUNCT
fsr-3288	208	5	ahead	ahead	ADV
fsr-3288	208	6	,	,	PUNCT
fsr-3288	208	7	nlsy79	nlsy79	ADJ
fsr-3288	208	8	,	,	PUNCT
fsr-3288	208	9	and	and	CCONJ
fsr-3288	208	10	scf	scf	PROPN
fsr-3288	208	11	)	)	PUNCT
fsr-3288	208	12	are	be	AUX
fsr-3288	208	13	all	all	PRON
fsr-3288	208	14	good	good	ADJ
fsr-3288	208	15	candidates	candidate	NOUN
fsr-3288	208	16	for	for	ADP
fsr-3288	208	17	this	this	DET
fsr-3288	208	18	analysis	analysis	NOUN
fsr-3288	208	19	.	.	PUNCT
fsr-3288	209	1	we	we	PRON
fsr-3288	209	2	utilize	utilize	VERB
fsr-3288	209	3	the	the	DET
fsr-3288	209	4	financial	financial	ADJ
fsr-3288	209	5	planner	planner	NOUN
fsr-3288	209	6	use	use	NOUN
fsr-3288	209	7	rates	rate	NOUN
fsr-3288	209	8	reported	report	VERB
fsr-3288	209	9	by	by	ADP
fsr-3288	209	10	cummings	cummings	PROPN
fsr-3288	209	11	and	and	CCONJ
fsr-3288	209	12	james	james	PROPN
fsr-3288	209	13	(	(	PUNCT
fsr-3288	209	14	2014	2014	NUM
fsr-3288	209	15	)	)	PUNCT
fsr-3288	209	16	in	in	ADP
fsr-3288	209	17	their	their	PRON
fsr-3288	209	18	analysis	analysis	NOUN
fsr-3288	209	19	of	of	ADP
fsr-3288	209	20	the	the	DET
fsr-3288	209	21	ahead	ahead	ADJ
fsr-3288	209	22	data	datum	NOUN
fsr-3288	209	23	and	and	CCONJ
fsr-3288	209	24	analyze	analyze	VERB
fsr-3288	209	25	financial	financial	ADJ
fsr-3288	209	26	planner	planner	NOUN
fsr-3288	209	27	use	use	NOUN
fsr-3288	209	28	in	in	ADP
fsr-3288	209	29	the	the	DET
fsr-3288	209	30	2007–2009	2007–2009	NUM
fsr-3288	209	31	scf	scf	PROPN
fsr-3288	209	32	panel	panel	NOUN
fsr-3288	209	33	and	and	CCONJ
fsr-3288	209	34	the	the	DET
fsr-3288	209	35	2010–2012	2010–2012	NUM
fsr-3288	209	36	waves	wave	NOUN
fsr-3288	209	37	of	of	ADP
fsr-3288	209	38	the	the	DET
fsr-3288	209	39	nlsy79	nlsy79	NOUN
fsr-3288	209	40	to	to	PART
fsr-3288	209	41	test	test	VERB
fsr-3288	209	42	whether	whether	SCONJ
fsr-3288	209	43	observed	observe	VERB
fsr-3288	209	44	usage	usage	NOUN
fsr-3288	209	45	rates	rate	NOUN
fsr-3288	209	46	are	be	AUX
fsr-3288	209	47	consistent	consistent	ADJ
fsr-3288	209	48	with	with	ADP
fsr-3288	209	49	what	what	PRON
fsr-3288	209	50	we	we	PRON
fsr-3288	209	51	might	might	AUX
fsr-3288	209	52	expect	expect	VERB
fsr-3288	209	53	based	base	VERB
fsr-3288	209	54	on	on	ADP
fsr-3288	209	55	industry	industry	NOUN
fsr-3288	209	56	reports	report	NOUN
fsr-3288	209	57	.	.	PUNCT
fsr-3288	210	1	4	4	X
fsr-3288	210	2	.	.	NOUN
fsr-3288	210	3	results	result	VERB
fsr-3288	210	4	4.1	4.1	NUM
fsr-3288	210	5	.	.	PUNCT
fsr-3288	211	1	content	content	NOUN
fsr-3288	211	2	validity	validity	NOUN
fsr-3288	211	3	recall	recall	VERB
fsr-3288	211	4	that	that	SCONJ
fsr-3288	211	5	we	we	PRON
fsr-3288	211	6	adopt	adopt	VERB
fsr-3288	211	7	the	the	DET
fsr-3288	211	8	cfp	cfp	PROPN
fsr-3288	211	9	board	board	PROPN
fsr-3288	211	10	’s	’s	PART
fsr-3288	211	11	definition	definition	NOUN
fsr-3288	211	12	of	of	ADP
fsr-3288	211	13	financial	financial	ADJ
fsr-3288	211	14	planning	planning	NOUN
fsr-3288	211	15	that	that	PRON
fsr-3288	211	16	includes	include	VERB
fsr-3288	211	17	essentially	essentially	ADV
fsr-3288	211	18	three	three	NUM
fsr-3288	211	19	components	component	NOUN
fsr-3288	211	20	:	:	PUNCT
fsr-3288	211	21	(	(	PUNCT
fsr-3288	211	22	1	1	X
fsr-3288	211	23	)	)	PUNCT
fsr-3288	211	24	receipt	receipt	NOUN
fsr-3288	211	25	of	of	ADP
fsr-3288	211	26	financial	financial	ADJ
fsr-3288	211	27	planning	planning	NOUN
fsr-3288	211	28	services	service	NOUN
fsr-3288	211	29	with	with	ADP
fsr-3288	211	30	an	an	DET
fsr-3288	211	31	emphasis	emphasis	NOUN
fsr-3288	211	32	on	on	ADP
fsr-3288	211	33	life	life	NOUN
fsr-3288	211	34	goals	goal	NOUN
fsr-3288	211	35	,	,	PUNCT
fsr-3288	211	36	(	(	PUNCT
fsr-3288	211	37	2	2	X
fsr-3288	211	38	)	)	PUNCT
fsr-3288	211	39	subject	subject	NOUN
fsr-3288	211	40	areas	area	NOUN
fsr-3288	211	41	addressed	address	VERB
fsr-3288	211	42	,	,	PUNCT
fsr-3288	211	43	and	and	CCONJ
fsr-3288	211	44	(	(	PUNCT
fsr-3288	211	45	3	3	X
fsr-3288	211	46	)	)	PUNCT
fsr-3288	211	47	the	the	DET
fsr-3288	211	48	depth	depth	NOUN
fsr-3288	211	49	and	and	CCONJ
fsr-3288	211	50	breadth	breadth	NOUN
fsr-3288	211	51	of	of	ADP
fsr-3288	211	52	the	the	DET
fsr-3288	211	53	relationship	relationship	NOUN
fsr-3288	211	54	and	and	CCONJ
fsr-3288	211	55	recommendations	recommendation	NOUN
fsr-3288	211	56	.	.	PUNCT
fsr-3288	212	1	therefore	therefore	ADV
fsr-3288	212	2	,	,	PUNCT
fsr-3288	212	3	a	a	DET
fsr-3288	212	4	valid	valid	ADJ
fsr-3288	212	5	measure	measure	NOUN
fsr-3288	212	6	of	of	ADP
fsr-3288	212	7	financial	financial	ADJ
fsr-3288	212	8	planning	planning	NOUN
fsr-3288	212	9	should	should	AUX
fsr-3288	212	10	identify	identify	VERB
fsr-3288	212	11	that	that	SCONJ
fsr-3288	212	12	a	a	DET
fsr-3288	212	13	process	process	NOUN
fsr-3288	212	14	has	have	AUX
fsr-3288	212	15	occurred	occur	VERB
fsr-3288	212	16	and	and	CCONJ
fsr-3288	212	17	include	include	VERB
fsr-3288	212	18	questions	question	NOUN
fsr-3288	212	19	that	that	PRON
fsr-3288	212	20	ask	ask	VERB
fsr-3288	212	21	life	life	NOUN
fsr-3288	212	22	goals	goal	NOUN
fsr-3288	212	23	and	and	CCONJ
fsr-3288	212	24	financial	financial	ADJ
fsr-3288	212	25	management	management	NOUN
fsr-3288	212	26	decisions	decision	NOUN
fsr-3288	212	27	,	,	PUNCT
fsr-3288	212	28	allow	allow	VERB
fsr-3288	212	29	for	for	ADP
fsr-3288	212	30	the	the	DET
fsr-3288	212	31	identification	identification	NOUN
fsr-3288	212	32	of	of	ADP
fsr-3288	212	33	one	one	NUM
fsr-3288	212	34	more	more	ADJ
fsr-3288	212	35	content	content	NOUN
fsr-3288	212	36	areas	area	NOUN
fsr-3288	212	37	covered	cover	VERB
fsr-3288	212	38	by	by	ADP
fsr-3288	212	39	financial	financial	ADJ
fsr-3288	212	40	planning	planning	NOUN
fsr-3288	212	41	services	service	NOUN
fsr-3288	212	42	,	,	PUNCT
fsr-3288	212	43	and	and	CCONJ
fsr-3288	212	44	include	include	VERB
fsr-3288	212	45	questions	question	NOUN
fsr-3288	212	46	that	that	PRON
fsr-3288	212	47	address	address	VERB
fsr-3288	212	48	the	the	DET
fsr-3288	212	49	various	various	ADJ
fsr-3288	212	50	aspects	aspect	NOUN
fsr-3288	212	51	of	of	ADP
fsr-3288	212	52	planning	planning	NOUN
fsr-3288	212	53	engagement	engagement	NOUN
fsr-3288	212	54	.	.	PUNCT
fsr-3288	213	1	as	as	SCONJ
fsr-3288	213	2	shown	show	VERB
fsr-3288	213	3	in	in	ADP
fsr-3288	213	4	table	table	NOUN
fsr-3288	213	5	2	2	NUM
fsr-3288	213	6	,	,	PUNCT
fsr-3288	213	7	the	the	DET
fsr-3288	213	8	nlsy79	nlsy79	NOUN
fsr-3288	213	9	specifically	specifically	ADV
fsr-3288	213	10	identifies	identify	VERB
fsr-3288	213	11	“	"	PUNCT
fsr-3288	213	12	financial	financial	ADJ
fsr-3288	213	13	planner	planner	NOUN
fsr-3288	213	14	”	"	PUNCT
fsr-3288	213	15	as	as	SCONJ
fsr-3288	213	16	the	the	DET
fsr-3288	213	17	professional	professional	ADJ
fsr-3288	213	18	being	be	AUX
fsr-3288	213	19	consulted	consult	VERB
fsr-3288	213	20	and	and	CCONJ
fsr-3288	213	21	the	the	DET
fsr-3288	213	22	scf	scf	PROPN
fsr-3288	213	23	and	and	CCONJ
fsr-3288	213	24	alp	alp	PROPN
fsr-3288	213	25	survey	survey	PROPN
fsr-3288	213	26	13	13	NUM
fsr-3288	213	27	allow	allow	VERB
fsr-3288	213	28	clear	clear	ADJ
fsr-3288	213	29	identification	identification	NOUN
fsr-3288	213	30	for	for	ADP
fsr-3288	213	31	a	a	DET
fsr-3288	213	32	variety	variety	NOUN
fsr-3288	213	33	of	of	ADP
fsr-3288	213	34	professionals	professional	NOUN
fsr-3288	213	35	,	,	PUNCT
fsr-3288	213	36	including	include	VERB
fsr-3288	213	37	financial	financial	ADJ
fsr-3288	213	38	planner	planner	NOUN
fsr-3288	213	39	;	;	PUNCT
fsr-3288	213	40	the	the	DET
fsr-3288	213	41	question	question	NOUN
fsr-3288	213	42	phrasing	phrase	VERB
fsr-3288	213	43	in	in	ADP
fsr-3288	213	44	the	the	DET
fsr-3288	213	45	alp/	alp/	ADJ
fsr-3288	213	46	hrs	hrs	NOUN
fsr-3288	213	47	,	,	PUNCT
fsr-3288	213	48	nfcs	nfc	NOUN
fsr-3288	213	49	,	,	PUNCT
fsr-3288	213	50	and	and	CCONJ
fsr-3288	213	51	nlsy97	nlsy97	NOUN
fsr-3288	213	52	questions	question	NOUN
fsr-3288	213	53	do	do	AUX
fsr-3288	213	54	not	not	PART
fsr-3288	213	55	allow	allow	VERB
fsr-3288	213	56	for	for	ADP
fsr-3288	213	57	a	a	DET
fsr-3288	213	58	clear	clear	ADJ
fsr-3288	213	59	identification	identification	NOUN
fsr-3288	213	60	of	of	ADP
fsr-3288	213	61	the	the	DET
fsr-3288	213	62	type	type	NOUN
fsr-3288	213	63	of	of	ADP
fsr-3288	213	64	professional	professional	ADJ
fsr-3288	213	65	used	use	VERB
fsr-3288	213	66	.	.	PUNCT
fsr-3288	214	1	none	none	NOUN
fsr-3288	214	2	of	of	ADP
fsr-3288	214	3	the	the	DET
fsr-3288	214	4	questions	question	NOUN
fsr-3288	214	5	refer	refer	VERB
fsr-3288	214	6	to	to	ADP
fsr-3288	214	7	a	a	DET
fsr-3288	214	8	process	process	NOUN
fsr-3288	214	9	or	or	CCONJ
fsr-3288	214	10	life	life	NOUN
fsr-3288	214	11	goals	goal	NOUN
fsr-3288	214	12	.	.	PUNCT
fsr-3288	215	1	the	the	DET
fsr-3288	215	2	alp	alp	PROPN
fsr-3288	215	3	/	/	SYM
fsr-3288	215	4	hrs	hrs	NOUN
fsr-3288	215	5	,	,	PUNCT
fsr-3288	215	6	nlsy79	nlsy79	ADJ
fsr-3288	215	7	,	,	PUNCT
fsr-3288	215	8	and	and	CCONJ
fsr-3288	215	9	scf	scf	PROPN
fsr-3288	215	10	each	each	PRON
fsr-3288	215	11	have	have	VERB
fsr-3288	215	12	clear	clear	ADJ
fsr-3288	215	13	references	reference	NOUN
fsr-3288	215	14	to	to	ADP
fsr-3288	215	15	using	use	VERB
fsr-3288	215	16	advice	advice	NOUN
fsr-3288	215	17	for	for	ADP
fsr-3288	215	18	management	management	NOUN
fsr-3288	215	19	decisions	decision	NOUN
fsr-3288	215	20	.	.	PUNCT
fsr-3288	216	1	except	except	SCONJ
fsr-3288	216	2	for	for	ADP
fsr-3288	216	3	the	the	DET
fsr-3288	216	4	nlsy97	nlsy97	NOUN
fsr-3288	216	5	,	,	PUNCT
fsr-3288	216	6	all	all	DET
fsr-3288	216	7	measures	measure	NOUN
fsr-3288	216	8	contain	contain	VERB
fsr-3288	216	9	information	information	NOUN
fsr-3288	216	10	regarding	regard	VERB
fsr-3288	216	11	the	the	DET
fsr-3288	216	12	subject	subject	ADJ
fsr-3288	216	13	area	area	NOUN
fsr-3288	216	14	covered	cover	VERB
fsr-3288	216	15	,	,	PUNCT
fsr-3288	216	16	however	however	ADV
fsr-3288	216	17	,	,	PUNCT
fsr-3288	216	18	the	the	DET
fsr-3288	216	19	alp	alp	PROPN
fsr-3288	216	20	/	/	SYM
fsr-3288	216	21	hrs	hrs	NOUN
fsr-3288	216	22	and	and	CCONJ
fsr-3288	216	23	nlsy79	nlsy79	NOUN
fsr-3288	216	24	only	only	ADV
fsr-3288	216	25	ask	ask	VERB
fsr-3288	216	26	about	about	ADP
fsr-3288	216	27	retirement	retirement	NOUN
fsr-3288	216	28	.	.	PUNCT
fsr-3288	217	1	the	the	DET
fsr-3288	217	2	scf	scf	PROPN
fsr-3288	217	3	includes	include	VERB
fsr-3288	217	4	two	two	NUM
fsr-3288	217	5	different	different	ADJ
fsr-3288	217	6	areas	area	NOUN
fsr-3288	217	7	(	(	PUNCT
fsr-3288	217	8	i.e.	i.e.	X
fsr-3288	217	9	,	,	PUNCT
fsr-3288	217	10	saving	saving	NOUN
fsr-3288	217	11	and	and	CCONJ
fsr-3288	217	12	borrowing	borrowing	NOUN
fsr-3288	217	13	)	)	PUNCT
fsr-3288	217	14	and	and	CCONJ
fsr-3288	217	15	the	the	DET
fsr-3288	217	16	nfcs	nfcs	PROPN
fsr-3288	217	17	and	and	CCONJ
fsr-3288	217	18	alp	alp	PROPN
fsr-3288	217	19	survey	survey	PROPN
fsr-3288	217	20	13	13	NUM
fsr-3288	217	21	are	be	AUX
fsr-3288	217	22	the	the	DET
fsr-3288	217	23	most	most	ADV
fsr-3288	217	24	comprehensive	comprehensive	ADJ
fsr-3288	217	25	with	with	SCONJ
fsr-3288	217	26	five	five	NUM
fsr-3288	217	27	or	or	CCONJ
fsr-3288	217	28	more	more	ADJ
fsr-3288	217	29	areas	area	NOUN
fsr-3288	217	30	covered	cover	VERB
fsr-3288	217	31	.	.	PUNCT
fsr-3288	218	1	the	the	DET
fsr-3288	218	2	identification	identification	NOUN
fsr-3288	218	3	of	of	ADP
fsr-3288	218	4	multiple	multiple	ADJ
fsr-3288	218	5	subject	subject	ADJ
fsr-3288	218	6	areas	area	NOUN
fsr-3288	218	7	may	may	AUX
fsr-3288	218	8	explain	explain	VERB
fsr-3288	218	9	why	why	SCONJ
fsr-3288	218	10	the	the	DET
fsr-3288	218	11	nfcs	nfc	NOUN
fsr-3288	218	12	and	and	CCONJ
fsr-3288	218	13	scf	scf	PROPN
fsr-3288	218	14	have	have	AUX
fsr-3288	218	15	been	be	AUX
fsr-3288	218	16	so	so	ADV
fsr-3288	218	17	widely	widely	ADV
fsr-3288	218	18	used	use	VERB
fsr-3288	218	19	in	in	ADP
fsr-3288	218	20	the	the	DET
fsr-3288	218	21	literature	literature	NOUN
fsr-3288	218	22	.	.	PUNCT
fsr-3288	219	1	none	none	NOUN
fsr-3288	219	2	of	of	ADP
fsr-3288	219	3	the	the	DET
fsr-3288	219	4	measures	measure	NOUN
fsr-3288	219	5	used	use	VERB
fsr-3288	219	6	contain	contain	VERB
fsr-3288	219	7	information	information	NOUN
fsr-3288	219	8	regarding	regard	VERB
fsr-3288	219	9	client	client	NOUN
fsr-3288	219	10	intent	intent	NOUN
fsr-3288	219	11	,	,	PUNCT
fsr-3288	219	12	comprehensiveness	comprehensiveness	NOUN
fsr-3288	219	13	of	of	ADP
fsr-3288	219	14	data	datum	NOUN
fsr-3288	219	15	gathering	gathering	NOUN
fsr-3288	219	16	,	,	PUNCT
fsr-3288	219	17	or	or	CCONJ
fsr-3288	219	18	depth	depth	NOUN
fsr-3288	219	19	and	and	CCONJ
fsr-3288	219	20	breadth	breadth	NOUN
fsr-3288	219	21	of	of	ADP
fsr-3288	219	22	recommendations	recommendation	NOUN
fsr-3288	219	23	.	.	PUNCT
fsr-3288	220	1	overall	overall	ADV
fsr-3288	220	2	,	,	PUNCT
fsr-3288	220	3	the	the	DET
fsr-3288	220	4	questions	question	NOUN
fsr-3288	220	5	from	from	ADP
fsr-3288	220	6	the	the	DET
fsr-3288	220	7	analyzed	analyze	VERB
fsr-3288	220	8	nationally	nationally	ADV
fsr-3288	220	9	representative	representative	ADJ
fsr-3288	220	10	datasets	dataset	NOUN
fsr-3288	220	11	were	be	AUX
fsr-3288	220	12	found	find	VERB
fsr-3288	220	13	to	to	PART
fsr-3288	220	14	perform	perform	VERB
fsr-3288	220	15	poorly	poorly	ADV
fsr-3288	220	16	on	on	ADP
fsr-3288	220	17	tests	test	NOUN
fsr-3288	220	18	of	of	ADP
fsr-3288	220	19	content	content	NOUN
fsr-3288	220	20	validity	validity	NOUN
fsr-3288	220	21	.	.	PUNCT
fsr-3288	221	1	this	this	PRON
fsr-3288	221	2	suggests	suggest	VERB
fsr-3288	221	3	that	that	SCONJ
fsr-3288	221	4	the	the	DET
fsr-3288	221	5	measures	measure	NOUN
fsr-3288	221	6	fail	fail	VERB
fsr-3288	221	7	to	to	PART
fsr-3288	221	8	address	address	VERB
fsr-3288	221	9	the	the	DET
fsr-3288	221	10	components	component	NOUN
fsr-3288	221	11	of	of	ADP
fsr-3288	221	12	financial	financial	ADJ
fsr-3288	221	13	planning	planning	NOUN
fsr-3288	221	14	,	,	PUNCT
fsr-3288	221	15	providing	provide	VERB
fsr-3288	221	16	sufficient	sufficient	ADJ
fsr-3288	221	17	doubt	doubt	NOUN
fsr-3288	221	18	as	as	ADP
fsr-3288	221	19	to	to	ADP
fsr-3288	221	20	whether	whether	SCONJ
fsr-3288	221	21	they	they	PRON
fsr-3288	221	22	effectively	effectively	ADV
fsr-3288	221	23	measure	measure	VERB
fsr-3288	221	24	financial	financial	ADJ
fsr-3288	221	25	planner	planner	NOUN
fsr-3288	221	26	use	use	NOUN
fsr-3288	221	27	.	.	PUNCT
fsr-3288	222	1	further	far	ADV
fsr-3288	222	2	,	,	PUNCT
fsr-3288	222	3	they	they	PRON
fsr-3288	222	4	fail	fail	VERB
fsr-3288	222	5	to	to	PART
fsr-3288	222	6	allow	allow	VERB
fsr-3288	222	7	a	a	DET
fsr-3288	222	8	researcher	researcher	NOUN
fsr-3288	222	9	to	to	PART
fsr-3288	222	10	distinguish	distinguish	VERB
fsr-3288	222	11	between	between	ADP
fsr-3288	222	12	the	the	DET
fsr-3288	222	13	type	type	NOUN
fsr-3288	222	14	of	of	ADP
fsr-3288	222	15	services	service	NOUN
fsr-3288	222	16	received	receive	VERB
fsr-3288	222	17	and	and	CCONJ
fsr-3288	222	18	the	the	DET
fsr-3288	222	19	extent	extent	NOUN
fsr-3288	222	20	of	of	ADP
fsr-3288	222	21	the	the	DET
fsr-3288	222	22	planning	planning	NOUN
fsr-3288	222	23	engagement	engagement	NOUN
fsr-3288	222	24	.	.	PUNCT
fsr-3288	223	1	while	while	SCONJ
fsr-3288	223	2	the	the	DET
fsr-3288	223	3	questions	question	NOUN
fsr-3288	223	4	have	have	VERB
fsr-3288	223	5	utility	utility	NOUN
fsr-3288	223	6	in	in	ADP
fsr-3288	223	7	narrow	narrow	ADJ
fsr-3288	223	8	applications	application	NOUN
fsr-3288	223	9	,	,	PUNCT
fsr-3288	223	10	they	they	PRON
fsr-3288	223	11	do	do	AUX
fsr-3288	223	12	not	not	PART
fsr-3288	223	13	withstand	withstand	VERB
fsr-3288	223	14	any	any	DET
fsr-3288	223	15	rigorous	rigorous	ADJ
fsr-3288	223	16	evaluation	evaluation	NOUN
fsr-3288	223	17	of	of	ADP
fsr-3288	223	18	their	their	PRON
fsr-3288	223	19	validity	validity	NOUN
fsr-3288	223	20	in	in	ADP
fsr-3288	223	21	measuring	measure	VERB
fsr-3288	223	22	financial	financial	ADJ
fsr-3288	223	23	planner	planner	NOUN
fsr-3288	223	24	use	use	NOUN
fsr-3288	223	25	as	as	SCONJ
fsr-3288	223	26	outlined	outline	VERB
fsr-3288	223	27	by	by	ADP
fsr-3288	223	28	the	the	DET
fsr-3288	223	29	cfp	cfp	PROPN
fsr-3288	223	30	board	board	PROPN
fsr-3288	223	31	(	(	PUNCT
fsr-3288	223	32	2013	2013	NUM
fsr-3288	223	33	)	)	PUNCT
fsr-3288	223	34	.	.	PUNCT
fsr-3288	224	1	437s.j	437s.j	PROPN
fsr-3288	224	2	.	.	PUNCT
fsr-3288	225	1	heckman	heckman	PROPN
fsr-3288	225	2	et	et	PROPN
fsr-3288	225	3	al	al	PROPN
fsr-3288	225	4	.	.	PUNCT
fsr-3288	225	5	/	/	SYM
fsr-3288	225	6	financial	financial	ADJ
fsr-3288	225	7	services	service	NOUN
fsr-3288	225	8	review	review	VERB
fsr-3288	225	9	25	25	NUM
fsr-3288	225	10	(	(	PUNCT
fsr-3288	225	11	2016	2016	NUM
fsr-3288	225	12	)	)	PUNCT
fsr-3288	225	13	427–446	427–446	NUM
fsr-3288	225	14	t	t	PROPN
fsr-3288	225	15	ab	ab	X
fsr-3288	225	16	le	le	X
fsr-3288	225	17	2	2	NUM
fsr-3288	225	18	e	e	X
fsr-3288	225	19	xi	xi	X
fsr-3288	225	20	st	st	PROPN
fsr-3288	226	1	in	in	ADP
fsr-3288	226	2	g	g	PROPN
fsr-3288	226	3	m	m	PROPN
fsr-3288	226	4	ea	ea	PROPN
fsr-3288	226	5	su	su	PROPN
fsr-3288	226	6	re	re	PROPN
fsr-3288	226	7	s	s	PROPN
fsr-3288	226	8	an	an	DET
fsr-3288	226	9	d	d	X
fsr-3288	226	10	co	co	NOUN
fsr-3288	226	11	m	m	PROPN
fsr-3288	226	12	po	po	NOUN
fsr-3288	226	13	ne	ne	X
fsr-3288	226	14	nt	nt	PROPN
fsr-3288	226	15	s	s	PROPN
fsr-3288	226	16	of	of	ADP
fsr-3288	226	17	co	co	ADJ
fsr-3288	226	18	nt	not	PART
fsr-3288	226	19	en	en	X
fsr-3288	226	20	t	t	PROPN
fsr-3288	226	21	va	va	PROPN
fsr-3288	226	22	lid	lid	NOUN
fsr-3288	226	23	ity	ity	PROPN
fsr-3288	226	24	fo	fo	ADP
fsr-3288	226	25	r	r	NOUN
fsr-3288	226	26	fin	fin	NOUN
fsr-3288	226	27	an	an	DET
fsr-3288	226	28	ci	ci	NOUN
fsr-3288	226	29	al	al	PROPN
fsr-3288	226	30	pl	pl	PROPN
fsr-3288	226	31	an	an	DET
fsr-3288	226	32	ne	ne	NOUN
fsr-3288	226	33	r	r	VERB
fsr-3288	226	34	us	we	PRON
fsr-3288	226	35	e	e	X
fsr-3288	226	36	c	c	PROPN
fsr-3288	226	37	om	om	PROPN
fsr-3288	226	38	po	po	PROPN
fsr-3288	226	39	ne	ne	PROPN
fsr-3288	226	40	nt	nt	PROPN
fsr-3288	226	41	a	a	DET
fsr-3288	226	42	ss	ss	VERB
fsr-3288	226	43	et	et	NOUN
fsr-3288	226	44	an	an	DET
fsr-3288	226	45	d	d	NOUN
fsr-3288	226	46	h	h	NOUN
fsr-3288	226	47	ea	ea	NOUN
fsr-3288	226	48	lth	lth	PROPN
fsr-3288	226	49	d	d	PROPN
fsr-3288	226	50	yn	yn	PROPN
fsr-3288	226	51	am	be	AUX
fsr-3288	226	52	ic	ic	PROPN
fsr-3288	226	53	s	s	NOUN
fsr-3288	226	54	am	be	AUX
fsr-3288	226	55	on	on	ADP
fsr-3288	226	56	g	g	PROPN
fsr-3288	226	57	th	th	X
fsr-3288	226	58	e	e	X
fsr-3288	226	59	o	o	X
fsr-3288	226	60	ld	ld	PROPN
fsr-3288	227	1	es	es	X
fsr-3288	227	2	t	t	PROPN
fsr-3288	227	3	o	o	X
fsr-3288	227	4	ld	ld	PROPN
fsr-3288	227	5	(	(	PUNCT
fsr-3288	227	6	a	a	DET
fsr-3288	227	7	h	h	NOUN
fsr-3288	227	8	e	e	NOUN
fsr-3288	227	9	a	a	PROPN
fsr-3288	227	10	d	d	NOUN
fsr-3288	227	11	)	)	PUNCT
fsr-3288	227	12	n	n	CCONJ
fsr-3288	227	13	at	at	ADP
fsr-3288	227	14	io	io	PROPN
fsr-3288	227	15	na	na	PROPN
fsr-3288	227	16	l	l	NOUN
fsr-3288	227	17	da	da	X
fsr-3288	227	18	ta	ta	X
fsr-3288	227	19	se	se	PROPN
fsr-3288	227	20	ts	ts	ADP
fsr-3288	227	21	a	a	DET
fsr-3288	227	22	m	m	NOUN
fsr-3288	227	23	er	er	INTJ
fsr-3288	227	24	ic	ic	INTJ
fsr-3288	227	25	an	an	DET
fsr-3288	227	26	l	l	NOUN
fsr-3288	227	27	if	if	SCONJ
fsr-3288	227	28	e	e	PROPN
fsr-3288	227	29	pa	pa	PROPN
fsr-3288	227	30	ne	ne	PROPN
fsr-3288	227	31	l	l	PROPN
fsr-3288	227	32	(	(	PUNCT
fsr-3288	227	33	a	a	DET
fsr-3288	227	34	l	l	NOUN
fsr-3288	227	35	p	p	NOUN
fsr-3288	227	36	)	)	PUNCT
fsr-3288	227	37	&	&	CCONJ
fsr-3288	227	38	h	h	PROPN
fsr-3288	227	39	ea	ea	PROPN
fsr-3288	227	40	lth	lth	VERB
fsr-3288	228	1	an	an	PRON
fsr-3288	228	2	d	d	NOUN
fsr-3288	228	3	r	r	X
fsr-3288	228	4	et	et	NOUN
fsr-3288	228	5	ir	ir	VERB
fsr-3288	228	6	em	em	PRON
fsr-3288	228	7	en	en	PROPN
fsr-3288	228	8	t	t	PROPN
fsr-3288	228	9	st	st	PROPN
fsr-3288	228	10	ud	ud	INTJ
fsr-3288	228	11	y	y	PROPN
fsr-3288	228	12	(	(	PUNCT
fsr-3288	228	13	h	h	NOUN
fsr-3288	228	14	r	r	NOUN
fsr-3288	228	15	s	s	PROPN
fsr-3288	228	16	)	)	PUNCT
fsr-3288	228	17	a	a	DET
fsr-3288	228	18	m	m	NOUN
fsr-3288	228	19	er	er	INTJ
fsr-3288	228	20	ic	ic	INTJ
fsr-3288	228	21	an	an	DET
fsr-3288	228	22	l	l	NOUN
fsr-3288	228	23	if	if	SCONJ
fsr-3288	228	24	e	e	PROPN
fsr-3288	228	25	pa	pa	PROPN
fsr-3288	228	26	ne	ne	PROPN
fsr-3288	228	27	l	l	PROPN
fsr-3288	228	28	su	su	PROPN
fsr-3288	228	29	rv	rv	PROPN
fsr-3288	228	30	ey	ey	PRON
fsr-3288	228	31	13	13	NUM
fsr-3288	228	32	(	(	PUNCT
fsr-3288	228	33	a	a	DET
fsr-3288	228	34	l	l	PROPN
fsr-3288	228	35	p1	p1	NOUN
fsr-3288	228	36	3	3	NUM
fsr-3288	228	37	)	)	PUNCT
fsr-3288	228	38	n	n	CCONJ
fsr-3288	228	39	at	at	ADP
fsr-3288	228	40	io	io	X
fsr-3288	228	41	na	na	PROPN
fsr-3288	228	42	l	l	PROPN
fsr-3288	228	43	fi	fi	NOUN
fsr-3288	228	44	na	na	PROPN
fsr-3288	228	45	nc	nc	PROPN
fsr-3288	228	46	ia	ia	PROPN
fsr-3288	228	47	l	l	PROPN
fsr-3288	228	48	c	c	PROPN
fsr-3288	228	49	ap	ap	PROPN
fsr-3288	228	50	ab	ab	PROPN
fsr-3288	228	51	ili	ili	PROPN
fsr-3288	229	1	ty	ty	INTJ
fsr-3288	229	2	su	su	PROPN
fsr-3288	229	3	rv	rv	PROPN
fsr-3288	229	4	ey	ey	INTJ
fsr-3288	229	5	(	(	PUNCT
fsr-3288	229	6	n	n	PROPN
fsr-3288	229	7	fc	fc	PROPN
fsr-3288	229	8	s	s	PROPN
fsr-3288	229	9	)	)	PUNCT
fsr-3288	229	10	n	n	CCONJ
fsr-3288	229	11	at	at	ADP
fsr-3288	229	12	io	io	X
fsr-3288	229	13	na	na	ADP
fsr-3288	229	14	l	l	NOUN
fsr-3288	229	15	l	l	NOUN
fsr-3288	229	16	on	on	ADP
fsr-3288	229	17	gi	gi	INTJ
fsr-3288	229	18	tu	tu	X
fsr-3288	229	19	di	di	INTJ
fsr-3288	229	20	na	na	PROPN
fsr-3288	229	21	l	l	PROPN
fsr-3288	230	1	su	su	PROPN
fsr-3288	230	2	rv	rv	PROPN
fsr-3288	230	3	ey	ey	PROPN
fsr-3288	230	4	of	of	ADP
fsr-3288	230	5	y	y	PROPN
fsr-3288	230	6	ou	ou	ADP
fsr-3288	230	7	th	th	NUM
fsr-3288	230	8	19	19	NUM
fsr-3288	230	9	79	79	NUM
fsr-3288	230	10	(	(	PUNCT
fsr-3288	230	11	n	n	NOUN
fsr-3288	230	12	l	l	NOUN
fsr-3288	230	13	sy	sy	NOUN
fsr-3288	230	14	79	79	NUM
fsr-3288	230	15	)	)	PUNCT
fsr-3288	230	16	n	n	CCONJ
fsr-3288	230	17	at	at	ADP
fsr-3288	230	18	io	io	X
fsr-3288	230	19	na	na	ADP
fsr-3288	230	20	l	l	NOUN
fsr-3288	230	21	l	l	NOUN
fsr-3288	230	22	on	on	ADP
fsr-3288	230	23	gi	gi	INTJ
fsr-3288	230	24	tu	tu	X
fsr-3288	230	25	di	di	INTJ
fsr-3288	230	26	na	na	PROPN
fsr-3288	230	27	l	l	PROPN
fsr-3288	230	28	su	su	PROPN
fsr-3288	231	1	rv	rv	PROPN
fsr-3288	231	2	ey	ey	PROPN
fsr-3288	231	3	of	of	ADP
fsr-3288	231	4	y	y	PROPN
fsr-3288	231	5	ou	ou	ADP
fsr-3288	231	6	th	th	NUM
fsr-3288	231	7	19	19	NUM
fsr-3288	231	8	97	97	NUM
fsr-3288	231	9	(	(	PUNCT
fsr-3288	231	10	n	n	NUM
fsr-3288	231	11	l	l	NOUN
fsr-3288	231	12	sy	sy	NOUN
fsr-3288	231	13	97	97	NUM
fsr-3288	231	14	)	)	PUNCT
fsr-3288	231	15	su	su	PROPN
fsr-3288	232	1	rv	rv	PROPN
fsr-3288	232	2	ey	ey	PROPN
fsr-3288	232	3	of	of	ADP
fsr-3288	232	4	c	c	PROPN
fsr-3288	232	5	on	on	ADP
fsr-3288	232	6	su	su	PROPN
fsr-3288	232	7	m	m	PROPN
fsr-3288	232	8	er	er	INTJ
fsr-3288	232	9	fi	fi	INTJ
fsr-3288	232	10	na	na	INTJ
fsr-3288	232	11	nc	nc	PROPN
fsr-3288	232	12	es	es	PROPN
fsr-3288	232	13	(	(	PUNCT
fsr-3288	232	14	s	s	PROPN
fsr-3288	232	15	c	c	NOUN
fsr-3288	232	16	f	f	X
fsr-3288	232	17	)	)	PUNCT
fsr-3288	232	18	c	c	PROPN
fsr-3288	232	19	le	le	X
fsr-3288	232	20	ar	ar	PROPN
fsr-3288	233	1	i	i	PROPN
fsr-3288	233	2	d	d	PROPN
fsr-3288	233	3	en	en	INTJ
fsr-3288	233	4	tifi	tifi	NOUN
fsr-3288	233	5	ca	can	AUX
fsr-3288	233	6	tio	tio	VERB
fsr-3288	233	7	n	n	PROPN
fsr-3288	233	8	of	of	ADP
fsr-3288	233	9	pr	pr	NOUN
fsr-3288	233	10	of	of	ADP
fsr-3288	233	11	es	es	X
fsr-3288	233	12	si	si	X
fsr-3288	233	13	on	on	ADP
fsr-3288	233	14	al	al	PROPN
fsr-3288	233	15	n	n	PROPN
fsr-3288	233	16	o	o	NOUN
fsr-3288	234	1	n	n	ADP
fsr-3288	234	2	o	o	X
fsr-3288	234	3	y	y	NOUN
fsr-3288	234	4	es	es	PROPN
fsr-3288	234	5	–	–	PUNCT
fsr-3288	234	6	m	m	VERB
fsr-3288	234	7	ul	ul	INTJ
fsr-3288	234	8	tip	tip	NOUN
fsr-3288	234	9	le	le	X
fsr-3288	234	10	n	n	ADV
fsr-3288	234	11	o	o	X
fsr-3288	234	12	y	y	NOUN
fsr-3288	234	13	es	es	PROPN
fsr-3288	234	14	–	–	PUNCT
fsr-3288	234	15	f	f	PROPN
fsr-3288	234	16	in	in	ADP
fsr-3288	234	17	an	an	DET
fsr-3288	234	18	ci	ci	NOUN
fsr-3288	234	19	al	al	PROPN
fsr-3288	234	20	pl	pl	PROPN
fsr-3288	234	21	an	an	DET
fsr-3288	234	22	ne	ne	X
fsr-3288	234	23	r	r	NOUN
fsr-3288	234	24	n	n	NOUN
fsr-3288	234	25	o	o	NOUN
fsr-3288	234	26	y	y	NOUN
fsr-3288	234	27	es	es	PROPN
fsr-3288	234	28	–	–	PUNCT
fsr-3288	234	29	m	m	VERB
fsr-3288	234	30	ul	ul	INTJ
fsr-3288	234	31	tip	tip	NOUN
fsr-3288	235	1	le	le	X
fsr-3288	235	2	pr	pr	VERB
fsr-3288	235	3	oc	oc	ADP
fsr-3288	235	4	es	es	X
fsr-3288	235	5	s	s	NOUN
fsr-3288	235	6	n	n	PRON
fsr-3288	235	7	o	o	NOUN
fsr-3288	235	8	n	n	CCONJ
fsr-3288	235	9	o	o	NOUN
fsr-3288	235	10	n	n	CCONJ
fsr-3288	235	11	o	o	NOUN
fsr-3288	235	12	n	n	CCONJ
fsr-3288	235	13	o	o	NOUN
fsr-3288	235	14	n	n	CCONJ
fsr-3288	235	15	o	o	NOUN
fsr-3288	235	16	n	n	CCONJ
fsr-3288	235	17	o	o	NOUN
fsr-3288	235	18	n	n	ADP
fsr-3288	235	19	o	o	NOUN
fsr-3288	235	20	l	l	NOUN
fsr-3288	236	1	if	if	SCONJ
fsr-3288	236	2	e	e	PROPN
fsr-3288	236	3	g	g	NOUN
fsr-3288	236	4	oa	oa	PROPN
fsr-3288	236	5	ls	ls	PROPN
fsr-3288	236	6	n	n	INTJ
fsr-3288	236	7	o	o	NOUN
fsr-3288	236	8	n	n	ADP
fsr-3288	236	9	o	o	NOUN
fsr-3288	236	10	n	n	CCONJ
fsr-3288	236	11	o	o	NOUN
fsr-3288	236	12	n	n	CCONJ
fsr-3288	236	13	o	o	NOUN
fsr-3288	236	14	n	n	CCONJ
fsr-3288	236	15	o	o	NOUN
fsr-3288	236	16	n	n	CCONJ
fsr-3288	236	17	o	o	NOUN
fsr-3288	236	18	n	n	X
fsr-3288	236	19	o	o	NOUN
fsr-3288	236	20	m	m	VERB
fsr-3288	236	21	an	an	DET
fsr-3288	236	22	ag	ag	PROPN
fsr-3288	236	23	em	em	PRON
fsr-3288	236	24	en	en	PROPN
fsr-3288	236	25	t	t	PROPN
fsr-3288	236	26	of	of	ADP
fsr-3288	236	27	r	r	PROPN
fsr-3288	236	28	es	es	X
fsr-3288	236	29	ou	ou	X
fsr-3288	236	30	rc	rc	PROPN
fsr-3288	236	31	es	es	ADP
fsr-3288	236	32	y	y	PROPN
fsr-3288	236	33	es	es	X
fsr-3288	236	34	:	:	PUNCT
fsr-3288	236	35	h	h	PROPN
fsr-3288	237	1	el	el	PROPN
fsr-3288	237	2	ps	ps	PROPN
fsr-3288	237	3	m	m	PROPN
fsr-3288	237	4	ak	ak	PROPN
fsr-3288	237	5	e	e	PROPN
fsr-3288	237	6	de	de	X
fsr-3288	237	7	ci	ci	PROPN
fsr-3288	237	8	si	si	X
fsr-3288	237	9	on	on	ADP
fsr-3288	237	10	s	s	PROPN
fsr-3288	237	11	y	y	NOUN
fsr-3288	237	12	es	es	X
fsr-3288	237	13	:	:	PUNCT
fsr-3288	237	14	h	h	PROPN
fsr-3288	238	1	el	el	PROPN
fsr-3288	238	2	pe	pe	PROPN
fsr-3288	238	3	d	d	PROPN
fsr-3288	238	4	de	de	PROPN
fsr-3288	238	5	te	te	PROPN
fsr-3288	238	6	rm	rm	PROPN
fsr-3288	238	7	in	in	ADP
fsr-3288	238	8	e	e	PROPN
fsr-3288	238	9	ne	ne	PROPN
fsr-3288	238	10	ed	ed	NOUN
fsr-3288	238	11	fo	fo	SCONJ
fsr-3288	238	12	r	r	NOUN
fsr-3288	238	13	re	re	AUX
fsr-3288	238	14	tir	tir	VERB
fsr-3288	238	15	em	em	PRON
fsr-3288	238	16	en	en	PROPN
fsr-3288	238	17	t	t	PROPN
fsr-3288	238	18	sa	sa	PROPN
fsr-3288	238	19	vi	vi	PROPN
fsr-3288	238	20	ng	ng	PROPN
fsr-3288	238	21	s	s	PROPN
fsr-3288	238	22	n	n	PRON
fsr-3288	238	23	ot	ot	INTJ
fsr-3288	238	24	di	di	X
fsr-3288	238	25	re	re	PROPN
fsr-3288	238	26	ct	ct	NOUN
fsr-3288	238	27	ly	ly	X
fsr-3288	238	28	,	,	PUNCT
fsr-3288	238	29	bu	bu	PROPN
fsr-3288	238	30	t	t	PROPN
fsr-3288	238	31	m	m	VERB
fsr-3288	238	32	ay	ay	NOUN
fsr-3288	238	33	be	be	AUX
fsr-3288	238	34	i	i	PRON
fsr-3288	238	35	m	m	VERB
fsr-3288	238	36	pl	pl	X
fsr-3288	238	37	ie	ie	X
fsr-3288	238	38	d	d	PROPN
fsr-3288	238	39	n	n	NUM
fsr-3288	238	40	o	o	X
fsr-3288	238	41	y	y	NOUN
fsr-3288	238	42	es	es	PROPN
fsr-3288	238	43	:	:	PUNCT
fsr-3288	238	44	pl	pl	X
fsr-3288	238	45	an	an	DET
fsr-3288	238	46	ni	ni	PROPN
fsr-3288	238	47	ng	ng	PROPN
fsr-3288	238	48	fin	fin	PROPN
fsr-3288	238	49	an	an	PROPN
fsr-3288	238	50	ce	ce	PROPN
fsr-3288	238	51	s	s	PART
fsr-3288	238	52	af	af	NOUN
fsr-3288	238	53	te	te	ADP
fsr-3288	238	54	r	r	X
fsr-3288	238	55	re	re	AUX
fsr-3288	238	56	tir	tir	VERB
fsr-3288	238	57	em	em	PRON
fsr-3288	238	58	en	en	PROPN
fsr-3288	238	59	t	t	PROPN
fsr-3288	238	60	n	n	CCONJ
fsr-3288	238	61	o	o	X
fsr-3288	238	62	y	y	NOUN
fsr-3288	238	63	es	es	X
fsr-3288	238	64	:	:	PUNCT
fsr-3288	238	65	in	in	ADP
fsr-3288	238	66	fo	fo	ADP
fsr-3288	238	67	rm	rm	PROPN
fsr-3288	238	68	at	at	ADP
fsr-3288	238	69	io	io	PROPN
fsr-3288	238	70	n	n	PROPN
fsr-3288	238	71	us	we	PRON
fsr-3288	238	72	ed	ed	NOUN
fsr-3288	238	73	to	to	ADP
fsr-3288	238	74	m	m	PROPN
fsr-3288	238	75	ak	ak	PROPN
fsr-3288	238	76	e	e	PROPN
fsr-3288	238	77	de	de	X
fsr-3288	238	78	ci	ci	PROPN
fsr-3288	238	79	si	si	X
fsr-3288	239	1	on	on	ADP
fsr-3288	239	2	s	s	PROPN
fsr-3288	239	3	m	m	VERB
fsr-3288	239	4	ul	ul	INTJ
fsr-3288	239	5	tip	tip	NOUN
fsr-3288	239	6	le	le	X
fsr-3288	239	7	a	a	DET
fsr-3288	239	8	re	re	NOUN
fsr-3288	239	9	as	as	ADP
fsr-3288	239	10	c	c	NOUN
fsr-3288	239	11	ov	ov	INTJ
fsr-3288	239	12	er	er	INTJ
fsr-3288	239	13	ed	ed	NOUN
fsr-3288	239	14	n	n	ADP
fsr-3288	239	15	o	o	NOUN
fsr-3288	239	16	n	n	ADP
fsr-3288	239	17	o	o	X
fsr-3288	239	18	y	y	NOUN
fsr-3288	239	19	es	es	VERB
fsr-3288	239	20	y	y	PROPN
fsr-3288	239	21	es	es	NOUN
fsr-3288	239	22	n	n	INTJ
fsr-3288	239	23	o	o	X
fsr-3288	239	24	y	y	NOUN
fsr-3288	239	25	es	es	X
fsr-3288	239	26	y	y	PROPN
fsr-3288	239	27	es	es	NOUN
fsr-3288	239	28	sp	sp	ADP
fsr-3288	239	29	ec	ec	PROPN
fsr-3288	239	30	ifi	ifi	PROPN
fsr-3288	239	31	c	c	PROPN
fsr-3288	239	32	a	a	DET
fsr-3288	239	33	re	re	X
fsr-3288	239	34	as	as	ADP
fsr-3288	239	35	i	i	PROPN
fsr-3288	239	36	d	d	PROPN
fsr-3288	239	37	en	en	INTJ
fsr-3288	239	38	tifi	tifi	PROPN
fsr-3288	239	39	ed	ed	NOUN
fsr-3288	239	40	n	n	ADP
fsr-3288	239	41	o	o	NOUN
fsr-3288	239	42	r	r	NOUN
fsr-3288	239	43	et	et	NOUN
fsr-3288	239	44	ir	ir	VERB
fsr-3288	239	45	em	em	PRON
fsr-3288	239	46	en	en	PROPN
fsr-3288	239	47	t	t	PROPN
fsr-3288	239	48	fi	fi	NOUN
fsr-3288	239	49	na	na	PROPN
fsr-3288	239	50	nc	nc	PROPN
fsr-3288	239	51	ia	ia	PROPN
fsr-3288	239	52	l	l	PROPN
fsr-3288	239	53	ad	ad	PROPN
fsr-3288	239	54	vi	vi	PROPN
fsr-3288	239	55	si	si	PROPN
fsr-3288	239	56	ng	ng	PROPN
fsr-3288	239	57	in	in	ADP
fsr-3288	239	58	ve	ve	PROPN
fsr-3288	239	59	st	st	PROPN
fsr-3288	239	60	m	m	PROPN
fsr-3288	239	61	en	en	ADP
fsr-3288	239	62	ts	ts	X
fsr-3288	239	63	fi	fi	NOUN
fsr-3288	239	64	na	na	PROPN
fsr-3288	239	65	nc	nc	PROPN
fsr-3288	239	66	ia	ia	PROPN
fsr-3288	239	67	l	l	PROPN
fsr-3288	239	68	pl	pl	PROPN
fsr-3288	239	69	an	an	DET
fsr-3288	239	70	ni	ni	PROPN
fsr-3288	239	71	ng	ng	PROPN
fsr-3288	239	72	m	m	PROPN
fsr-3288	239	73	on	on	ADP
fsr-3288	239	74	ey	ey	PRON
fsr-3288	239	75	m	m	VERB
fsr-3288	239	76	an	an	DET
fsr-3288	239	77	ag	ag	PROPN
fsr-3288	239	78	em	em	PRON
fsr-3288	239	79	en	en	INTJ
fsr-3288	239	80	t	t	PROPN
fsr-3288	239	81	r	r	NOUN
fsr-3288	239	82	et	et	NOUN
fsr-3288	239	83	ir	ir	VERB
fsr-3288	239	84	em	em	PRON
fsr-3288	239	85	en	en	INTJ
fsr-3288	239	86	t	t	X
fsr-3288	239	87	pl	pl	PROPN
fsr-3288	239	88	an	an	DET
fsr-3288	239	89	ni	ni	PROPN
fsr-3288	239	90	ng	ng	PROPN
fsr-3288	239	91	,	,	PUNCT
fsr-3288	239	92	e	e	PROPN
fsr-3288	239	93	st	st	PROPN
fsr-3288	239	94	at	at	ADP
fsr-3288	239	95	e	e	PROPN
fsr-3288	239	96	pl	pl	PROPN
fsr-3288	239	97	an	an	DET
fsr-3288	239	98	ni	ni	PROPN
fsr-3288	239	99	ng	ng	PROPN
fsr-3288	239	100	an	an	PROPN
fsr-3288	240	1	d	d	NOUN
fsr-3288	240	2	so	so	ADV
fsr-3288	240	3	fo	fo	ADP
fsr-3288	240	4	rt	rt	PROPN
fsr-3288	240	5	h	h	PROPN
fsr-3288	241	1	(	(	PUNCT
fsr-3288	241	2	o	o	X
fsr-3288	241	3	th	th	X
fsr-3288	241	4	er	er	INTJ
fsr-3288	241	5	)	)	PUNCT
fsr-3288	241	6	d	d	PROPN
fsr-3288	241	7	eb	eb	PROPN
fsr-3288	241	8	t	t	PROPN
fsr-3288	241	9	co	co	PROPN
fsr-3288	241	10	un	un	PROPN
fsr-3288	241	11	se	se	PROPN
fsr-3288	241	12	lin	lin	PROPN
fsr-3288	241	13	g	g	PROPN
fsr-3288	241	14	sa	sa	PROPN
fsr-3288	241	15	vi	vi	PROPN
fsr-3288	241	16	ng	ng	PROPN
fsr-3288	241	17	s/	s/	VERB
fsr-3288	241	18	in	in	ADP
fsr-3288	241	19	ve	ve	PROPN
fsr-3288	241	20	st	st	PROPN
fsr-3288	241	21	m	m	PROPN
fsr-3288	241	22	en	en	ADP
fsr-3288	241	23	ts	ts	ADP
fsr-3288	241	24	m	m	PROPN
fsr-3288	241	25	or	or	CCONJ
fsr-3288	241	26	tg	tg	PROPN
fsr-3288	241	27	ag	ag	PROPN
fsr-3288	241	28	es	es	X
fsr-3288	241	29	in	in	ADP
fsr-3288	241	30	su	su	PROPN
fsr-3288	241	31	ra	ra	PROPN
fsr-3288	241	32	nc	nc	PROPN
fsr-3288	241	33	e	e	PROPN
fsr-3288	241	34	t	t	PROPN
fsr-3288	241	35	ax	ax	NOUN
fsr-3288	241	36	pl	pl	X
fsr-3288	241	37	an	an	DET
fsr-3288	241	38	ni	ni	PROPN
fsr-3288	241	39	ng	ng	PROPN
fsr-3288	241	40	r	r	NOUN
fsr-3288	241	41	et	et	NOUN
fsr-3288	241	42	ir	ir	VERB
fsr-3288	241	43	em	em	PRON
fsr-3288	241	44	en	en	PROPN
fsr-3288	241	45	t	t	PROPN
fsr-3288	241	46	n	n	CCONJ
fsr-3288	241	47	o	o	PROPN
fsr-3288	241	48	sa	sa	PROPN
fsr-3288	241	49	vi	vi	PROPN
fsr-3288	241	50	ng	ng	PROPN
fsr-3288	241	51	/i	/i	PUNCT
fsr-3288	241	52	nv	nv	PROPN
fsr-3288	241	53	es	es	PROPN
fsr-3288	241	54	tm	tm	PROPN
fsr-3288	241	55	en	en	PROPN
fsr-3288	241	56	t	t	PROPN
fsr-3288	241	57	b	b	PROPN
fsr-3288	241	58	or	or	CCONJ
fsr-3288	241	59	ro	ro	INTJ
fsr-3288	241	60	w	w	NOUN
fsr-3288	241	61	in	in	ADP
fsr-3288	241	62	g/	g/	NOUN
fsr-3288	241	63	c	c	AUX
fsr-3288	241	64	re	re	ADP
fsr-3288	241	65	di	di	PROPN
fsr-3288	241	66	t	t	PROPN
fsr-3288	241	67	c	c	PROPN
fsr-3288	241	68	lie	lie	VERB
fsr-3288	241	69	nt	not	PART
fsr-3288	241	70	’s	’	VERB
fsr-3288	241	71	in	in	ADP
fsr-3288	241	72	te	te	PROPN
fsr-3288	241	73	nt	not	PART
fsr-3288	241	74	to	to	ADP
fsr-3288	241	75	e	e	PROPN
fsr-3288	241	76	ng	ng	PROPN
fsr-3288	241	77	ag	ag	PROPN
fsr-3288	241	78	e	e	PROPN
fsr-3288	241	79	a	a	DET
fsr-3288	241	80	fi	fi	NOUN
fsr-3288	241	81	na	na	PROPN
fsr-3288	241	82	nc	nc	PROPN
fsr-3288	241	83	ia	ia	PROPN
fsr-3288	241	84	l	l	PROPN
fsr-3288	241	85	pl	pl	PROPN
fsr-3288	241	86	an	an	DET
fsr-3288	241	87	ne	ne	X
fsr-3288	241	88	r	r	NOUN
fsr-3288	241	89	n	n	NUM
fsr-3288	241	90	o	o	NOUN
fsr-3288	241	91	,	,	PUNCT
fsr-3288	241	92	bu	bu	PROPN
fsr-3288	241	93	t	t	PROPN
fsr-3288	241	94	m	m	VERB
fsr-3288	241	95	ay	ay	NOUN
fsr-3288	241	96	be	be	AUX
fsr-3288	241	97	i	i	PRON
fsr-3288	241	98	m	m	VERB
fsr-3288	241	99	pl	pl	X
fsr-3288	242	1	ie	ie	X
fsr-3288	242	2	d	d	PROPN
fsr-3288	242	3	n	n	NUM
fsr-3288	242	4	o	o	NOUN
fsr-3288	242	5	n	n	ADP
fsr-3288	242	6	o	o	NOUN
fsr-3288	242	7	,	,	PUNCT
fsr-3288	242	8	bu	bu	PROPN
fsr-3288	242	9	t	t	PROPN
fsr-3288	242	10	m	m	VERB
fsr-3288	242	11	ay	ay	NOUN
fsr-3288	242	12	be	be	AUX
fsr-3288	242	13	i	i	PRON
fsr-3288	242	14	m	m	VERB
fsr-3288	242	15	pl	pl	X
fsr-3288	242	16	ie	ie	X
fsr-3288	242	17	d	d	PROPN
fsr-3288	242	18	n	n	NUM
fsr-3288	242	19	o	o	NOUN
fsr-3288	242	20	n	n	ADP
fsr-3288	242	21	o	o	NOUN
fsr-3288	242	22	,	,	PUNCT
fsr-3288	242	23	bu	bu	PROPN
fsr-3288	242	24	t	t	PROPN
fsr-3288	242	25	m	m	VERB
fsr-3288	242	26	ay	ay	NOUN
fsr-3288	242	27	be	be	AUX
fsr-3288	242	28	i	i	PRON
fsr-3288	242	29	m	m	VERB
fsr-3288	242	30	pl	pl	X
fsr-3288	243	1	ie	ie	X
fsr-3288	243	2	d	d	PROPN
fsr-3288	243	3	n	n	NUM
fsr-3288	243	4	o	o	NOUN
fsr-3288	243	5	n	n	ADP
fsr-3288	243	6	o	o	NOUN
fsr-3288	243	7	,	,	PUNCT
fsr-3288	243	8	bu	bu	PROPN
fsr-3288	243	9	t	t	PROPN
fsr-3288	243	10	m	m	VERB
fsr-3288	243	11	ay	ay	NOUN
fsr-3288	243	12	be	be	AUX
fsr-3288	243	13	i	i	PRON
fsr-3288	243	14	m	m	VERB
fsr-3288	243	15	pl	pl	X
fsr-3288	243	16	ie	ie	X
fsr-3288	244	1	d	d	PROPN
fsr-3288	244	2	c	c	NOUN
fsr-3288	244	3	om	om	PROPN
fsr-3288	244	4	pr	pr	INTJ
fsr-3288	244	5	eh	eh	INTJ
fsr-3288	244	6	en	en	X
fsr-3288	244	7	si	si	X
fsr-3288	244	8	ve	ve	VERB
fsr-3288	244	9	ne	ne	X
fsr-3288	244	10	ss	ss	PROPN
fsr-3288	244	11	of	of	ADP
fsr-3288	244	12	d	d	PROPN
fsr-3288	244	13	at	at	ADP
fsr-3288	244	14	ac	ac	PROPN
fsr-3288	244	15	ol	ol	PROPN
fsr-3288	244	16	le	le	PROPN
fsr-3288	244	17	ct	ct	PROPN
fsr-3288	244	18	io	io	PROPN
fsr-3288	244	19	n	n	CCONJ
fsr-3288	244	20	n	n	NOUN
fsr-3288	244	21	o	o	NOUN
fsr-3288	244	22	n	n	CCONJ
fsr-3288	244	23	o	o	NOUN
fsr-3288	244	24	n	n	CCONJ
fsr-3288	244	25	o	o	NOUN
fsr-3288	244	26	n	n	CCONJ
fsr-3288	244	27	o	o	NOUN
fsr-3288	244	28	n	n	CCONJ
fsr-3288	244	29	o	o	NOUN
fsr-3288	244	30	n	n	X
fsr-3288	244	31	o	o	NOUN
fsr-3288	244	32	n	n	X
fsr-3288	244	33	o	o	X
fsr-3288	245	1	d	d	X
fsr-3288	245	2	ep	ep	X
fsr-3288	245	3	th	th	X
fsr-3288	245	4	an	an	DET
fsr-3288	245	5	d	d	X
fsr-3288	245	6	b	b	X
fsr-3288	245	7	re	re	X
fsr-3288	245	8	ad	ad	NOUN
fsr-3288	245	9	th	th	X
fsr-3288	245	10	of	of	ADP
fsr-3288	245	11	r	r	NOUN
fsr-3288	245	12	ec	ec	PROPN
fsr-3288	245	13	om	om	PROPN
fsr-3288	245	14	m	m	PROPN
fsr-3288	245	15	en	en	X
fsr-3288	245	16	da	da	X
fsr-3288	245	17	tio	tio	PROPN
fsr-3288	245	18	n	n	CCONJ
fsr-3288	245	19	n	n	NOUN
fsr-3288	245	20	o	o	NOUN
fsr-3288	245	21	n	n	CCONJ
fsr-3288	245	22	o	o	NOUN
fsr-3288	245	23	n	n	CCONJ
fsr-3288	245	24	o	o	NOUN
fsr-3288	245	25	n	n	CCONJ
fsr-3288	245	26	o	o	NOUN
fsr-3288	245	27	n	n	CCONJ
fsr-3288	245	28	o	o	NOUN
fsr-3288	245	29	n	n	CCONJ
fsr-3288	245	30	o	o	NOUN
fsr-3288	245	31	n	n	CCONJ
fsr-3288	245	32	o	o	NOUN
fsr-3288	245	33	n	n	X
fsr-3288	245	34	ot	ot	X
fsr-3288	245	35	e	e	NOUN
fsr-3288	245	36	:	:	PUNCT
fsr-3288	245	37	b	b	X
fsr-3288	245	38	ec	ec	PROPN
fsr-3288	245	39	au	au	PROPN
fsr-3288	245	40	se	se	PROPN
fsr-3288	245	41	th	th	X
fsr-3288	245	42	e	e	X
fsr-3288	245	43	a	a	DET
fsr-3288	245	44	l	l	NOUN
fsr-3288	245	45	p	p	NOUN
fsr-3288	245	46	an	an	DET
fsr-3288	245	47	d	d	NOUN
fsr-3288	245	48	h	h	NOUN
fsr-3288	245	49	r	r	NOUN
fsr-3288	245	50	s	s	X
fsr-3288	245	51	(	(	PUNCT
fsr-3288	245	52	a	a	DET
fsr-3288	245	53	l	l	X
fsr-3288	245	54	p	p	X
fsr-3288	245	55	�	�	PROPN
fsr-3288	245	56	a	a	DET
fsr-3288	245	57	m	m	NOUN
fsr-3288	245	58	er	er	INTJ
fsr-3288	245	59	ic	ic	INTJ
fsr-3288	245	60	an	an	DET
fsr-3288	245	61	l	l	NOUN
fsr-3288	245	62	if	if	SCONJ
fsr-3288	245	63	e	e	PROPN
fsr-3288	245	64	pa	pa	PROPN
fsr-3288	245	65	ne	ne	PROPN
fsr-3288	245	66	l	l	PROPN
fsr-3288	245	67	&	&	CCONJ
fsr-3288	245	68	h	h	PROPN
fsr-3288	246	1	r	r	PROPN
fsr-3288	246	2	s	s	PROPN
fsr-3288	246	3	�	�	PROPN
fsr-3288	246	4	h	h	NOUN
fsr-3288	246	5	ea	ea	NOUN
fsr-3288	246	6	lth	lth	VERB
fsr-3288	246	7	an	an	PRON
fsr-3288	246	8	d	d	NOUN
fsr-3288	246	9	r	r	X
fsr-3288	246	10	et	et	NOUN
fsr-3288	246	11	ir	ir	VERB
fsr-3288	246	12	em	em	PRON
fsr-3288	246	13	en	en	PROPN
fsr-3288	246	14	t	t	PROPN
fsr-3288	246	15	st	st	PROPN
fsr-3288	246	16	ud	ud	INTJ
fsr-3288	246	17	y	y	PROPN
fsr-3288	246	18	)	)	PUNCT
fsr-3288	246	19	co	co	AUX
fsr-3288	246	20	nt	not	PART
fsr-3288	246	21	ai	ai	VERB
fsr-3288	246	22	n	n	ADV
fsr-3288	246	23	a	a	DET
fsr-3288	246	24	va	va	NOUN
fsr-3288	246	25	ri	ri	PROPN
fsr-3288	246	26	et	et	PROPN
fsr-3288	246	27	y	y	PROPN
fsr-3288	246	28	of	of	ADP
fsr-3288	246	29	qu	qu	PROPN
fsr-3288	246	30	es	es	X
fsr-3288	246	31	tio	tio	PROPN
fsr-3288	247	1	ns	ns	INTJ
fsr-3288	247	2	,	,	PUNCT
fsr-3288	247	3	w	w	NOUN
fsr-3288	247	4	e	e	NOUN
fsr-3288	247	5	fo	fo	ADP
fsr-3288	247	6	cu	cu	PROPN
fsr-3288	247	7	s	s	PART
fsr-3288	247	8	th	th	X
fsr-3288	247	9	is	be	AUX
fsr-3288	247	10	co	co	INTJ
fsr-3288	247	11	nt	not	PART
fsr-3288	247	12	en	en	X
fsr-3288	247	13	tv	tv	PROPN
fsr-3288	247	14	al	al	PROPN
fsr-3288	247	15	i	i	PROPN
fsr-3288	247	16	d	d	PROPN
fsr-3288	247	17	ity	ity	PROPN
fsr-3288	247	18	an	an	DET
fsr-3288	247	19	al	al	PROPN
fsr-3288	247	20	ys	ys	PROPN
fsr-3288	247	21	is	be	AUX
fsr-3288	247	22	on	on	ADP
fsr-3288	247	23	th	th	NUM
fsr-3288	247	24	e	e	NOUN
fsr-3288	247	25	m	m	NOUN
fsr-3288	247	26	ea	ea	X
fsr-3288	247	27	su	su	PROPN
fsr-3288	247	28	re	re	PROPN
fsr-3288	247	29	s	s	PROPN
fsr-3288	247	30	th	th	X
fsr-3288	247	31	at	at	ADP
fsr-3288	247	32	ha	ha	INTJ
fsr-3288	247	33	ve	ve	AUX
fsr-3288	247	34	be	be	AUX
fsr-3288	247	35	en	en	ADP
fsr-3288	247	36	us	we	PRON
fsr-3288	247	37	ed	ed	NOUN
fsr-3288	247	38	by	by	ADP
fsr-3288	247	39	pr	pr	NOUN
fsr-3288	248	1	ev	ev	AUX
fsr-3288	248	2	io	io	VERB
fsr-3288	248	3	us	us	PROPN
fsr-3288	248	4	lit	light	VERB
fsr-3288	248	5	er	er	INTJ
fsr-3288	248	6	at	at	ADP
fsr-3288	248	7	ur	ur	PROPN
fsr-3288	248	8	e	e	NOUN
fsr-3288	248	9	,	,	PUNCT
fsr-3288	248	10	w	w	PROPN
fsr-3288	248	11	hi	hi	INTJ
fsr-3288	248	12	ch	ch	NOUN
fsr-3288	248	13	in	in	ADP
fsr-3288	248	14	cl	cl	INTJ
fsr-3288	248	15	ud	ud	INTJ
fsr-3288	248	16	e	e	PROPN
fsr-3288	248	17	qu	qu	NOUN
fsr-3288	248	18	es	es	X
fsr-3288	248	19	tio	tio	PROPN
fsr-3288	249	1	ns	ns	INTJ
fsr-3288	250	1	fr	fr	INTJ
fsr-3288	250	2	om	om	PROPN
fsr-3288	250	3	a	a	DET
fsr-3288	250	4	l	l	NOUN
fsr-3288	250	5	p	p	X
fsr-3288	250	6	su	su	PROPN
fsr-3288	250	7	rv	rv	PROPN
fsr-3288	251	1	ey	ey	INTJ
fsr-3288	251	2	5	5	NUM
fsr-3288	251	3	an	an	DET
fsr-3288	251	4	d	d	PROPN
fsr-3288	251	5	21	21	NUM
fsr-3288	251	6	an	an	PRON
fsr-3288	251	7	d	d	X
fsr-3288	251	8	th	th	X
fsr-3288	251	9	e	e	NOUN
fsr-3288	251	10	h	h	NOUN
fsr-3288	251	11	r	r	NOUN
fsr-3288	251	12	s	s	PROPN
fsr-3288	251	13	20	20	NUM
fsr-3288	251	14	04	04	NUM
fsr-3288	251	15	.	.	PUNCT
fsr-3288	252	1	w	w	PROPN
fsr-3288	252	2	e	e	X
fsr-3288	252	3	co	co	NOUN
fsr-3288	252	4	m	m	PROPN
fsr-3288	252	5	bi	bi	PROPN
fsr-3288	252	6	ne	ne	X
fsr-3288	252	7	th	th	X
fsr-3288	252	8	e	e	PROPN
fsr-3288	252	9	a	a	DET
fsr-3288	252	10	l	l	NOUN
fsr-3288	252	11	p	p	NOUN
fsr-3288	252	12	an	an	PRON
fsr-3288	252	13	d	d	NOUN
fsr-3288	252	14	h	h	NOUN
fsr-3288	252	15	r	r	NOUN
fsr-3288	252	16	s	s	PROPN
fsr-3288	252	17	an	an	DET
fsr-3288	252	18	al	al	PROPN
fsr-3288	252	19	ys	ys	PROPN
fsr-3288	252	20	is	be	AUX
fsr-3288	252	21	be	be	AUX
fsr-3288	252	22	ca	ca	PRON
fsr-3288	252	23	us	we	PRON
fsr-3288	252	24	e	e	X
fsr-3288	252	25	th	th	X
fsr-3288	252	26	e	e	X
fsr-3288	252	27	qu	qu	X
fsr-3288	252	28	es	es	X
fsr-3288	252	29	tio	tio	PROPN
fsr-3288	252	30	ns	ns	PROPN
fsr-3288	252	31	ar	ar	PROPN
fsr-3288	252	32	e	e	PROPN
fsr-3288	252	33	th	th	X
fsr-3288	252	34	e	e	X
fsr-3288	252	35	sa	sa	NOUN
fsr-3288	252	36	m	m	PROPN
fsr-3288	252	37	e	e	NOUN
fsr-3288	252	38	in	in	ADP
fsr-3288	252	39	th	th	NUM
fsr-3288	252	40	os	os	NOUN
fsr-3288	252	41	e	e	PROPN
fsr-3288	252	42	su	su	PROPN
fsr-3288	252	43	rv	rv	PROPN
fsr-3288	252	44	ey	ey	PROPN
fsr-3288	252	45	ye	ye	PROPN
fsr-3288	252	46	ar	ar	PROPN
fsr-3288	252	47	s.	s.	PROPN
fsr-3288	252	48	a	a	DET
fsr-3288	252	49	lth	lth	PROPN
fsr-3288	252	50	ou	ou	ADP
fsr-3288	252	51	gh	gh	PROPN
fsr-3288	252	52	a	a	PRON
fsr-3288	252	53	l	l	NOUN
fsr-3288	252	54	p	p	X
fsr-3288	252	55	su	su	PROPN
fsr-3288	252	56	rv	rv	PROPN
fsr-3288	252	57	ey	ey	INTJ
fsr-3288	252	58	13	13	NUM
fsr-3288	252	59	ha	ha	INTJ
fsr-3288	252	60	s	s	VERB
fsr-3288	252	61	no	no	DET
fsr-3288	252	62	t	t	NOUN
fsr-3288	252	63	be	be	AUX
fsr-3288	252	64	en	en	ADP
fsr-3288	252	65	us	we	PRON
fsr-3288	252	66	ed	ed	NOUN
fsr-3288	252	67	pr	pr	INTJ
fsr-3288	253	1	ev	ev	AUX
fsr-3288	253	2	io	io	VERB
fsr-3288	253	3	us	us	PROPN
fsr-3288	253	4	ly	ly	X
fsr-3288	253	5	to	to	ADP
fsr-3288	253	6	ou	ou	PROPN
fsr-3288	253	7	r	r	NOUN
fsr-3288	253	8	kn	kn	PROPN
fsr-3288	253	9	ow	ow	INTJ
fsr-3288	253	10	le	le	X
fsr-3288	253	11	dg	dg	X
fsr-3288	253	12	e	e	PROPN
fsr-3288	253	13	,	,	PUNCT
fsr-3288	253	14	w	w	PROPN
fsr-3288	253	15	e	e	NOUN
fsr-3288	253	16	al	al	PROPN
fsr-3288	253	17	so	so	ADV
fsr-3288	253	18	in	in	ADP
fsr-3288	253	19	cl	cl	NOUN
fsr-3288	253	20	ud	ud	INTJ
fsr-3288	254	1	e	e	NOUN
fsr-3288	254	2	it	it	PRON
fsr-3288	254	3	be	be	AUX
fsr-3288	254	4	ca	can	AUX
fsr-3288	254	5	us	us	PROPN
fsr-3288	254	6	e	e	PROPN
fsr-3288	254	7	of	of	ADP
fsr-3288	254	8	th	th	X
fsr-3288	254	9	e	e	PROPN
fsr-3288	254	10	un	un	PROPN
fsr-3288	254	11	iq	iq	PROPN
fsr-3288	255	1	ue	ue	PROPN
fsr-3288	255	2	m	m	PROPN
fsr-3288	255	3	ea	ea	PROPN
fsr-3288	255	4	su	su	PROPN
fsr-3288	255	5	re	re	PROPN
fsr-3288	255	6	s.	s.	PROPN
fsr-3288	255	7	438	438	NUM
fsr-3288	255	8	s.j	s.j	PROPN
fsr-3288	255	9	.	.	PUNCT
fsr-3288	256	1	heckman	heckman	PROPN
fsr-3288	256	2	et	et	PROPN
fsr-3288	256	3	al	al	PROPN
fsr-3288	256	4	.	.	PUNCT
fsr-3288	256	5	/	/	SYM
fsr-3288	256	6	financial	financial	ADJ
fsr-3288	256	7	services	service	NOUN
fsr-3288	256	8	review	review	VERB
fsr-3288	256	9	25	25	NUM
fsr-3288	256	10	(	(	PUNCT
fsr-3288	256	11	2016	2016	NUM
fsr-3288	256	12	)	)	PUNCT
fsr-3288	256	13	427–446	427–446	NUM
fsr-3288	256	14	4.2	4.2	NUM
fsr-3288	256	15	.	.	PUNCT
fsr-3288	257	1	evidence	evidence	NOUN
fsr-3288	257	2	of	of	ADP
fsr-3288	257	3	validity	validity	NOUN
fsr-3288	257	4	from	from	ADP
fsr-3288	257	5	financial	financial	ADJ
fsr-3288	257	6	planner	planner	NOUN
fsr-3288	257	7	use	use	NOUN
fsr-3288	257	8	over	over	ADP
fsr-3288	257	9	time	time	NOUN
fsr-3288	257	10	both	both	CCONJ
fsr-3288	257	11	the	the	DET
fsr-3288	257	12	nlsy79	nlsy79	NOUN
fsr-3288	257	13	and	and	CCONJ
fsr-3288	257	14	the	the	DET
fsr-3288	257	15	scf	scf	PROPN
fsr-3288	257	16	panel	panel	NOUN
fsr-3288	257	17	have	have	VERB
fsr-3288	257	18	longitudinal	longitudinal	ADJ
fsr-3288	257	19	data	datum	NOUN
fsr-3288	257	20	enabling	enable	VERB
fsr-3288	257	21	us	we	PRON
fsr-3288	257	22	to	to	PART
fsr-3288	257	23	assess	assess	VERB
fsr-3288	257	24	whether	whether	SCONJ
fsr-3288	257	25	the	the	DET
fsr-3288	257	26	measures	measure	NOUN
fsr-3288	257	27	yield	yield	VERB
fsr-3288	257	28	results	result	NOUN
fsr-3288	257	29	consistent	consistent	ADJ
fsr-3288	257	30	with	with	ADP
fsr-3288	257	31	expected	expect	VERB
fsr-3288	257	32	behavior	behavior	NOUN
fsr-3288	257	33	patterns	pattern	NOUN
fsr-3288	257	34	over	over	ADP
fsr-3288	257	35	time	time	NOUN
fsr-3288	257	36	.	.	PUNCT
fsr-3288	258	1	use	use	NOUN
fsr-3288	258	2	of	of	ADP
fsr-3288	258	3	a	a	DET
fsr-3288	258	4	financial	financial	ADJ
fsr-3288	258	5	planner	planner	NOUN
fsr-3288	258	6	in	in	ADP
fsr-3288	258	7	the	the	DET
fsr-3288	258	8	scf	scf	PROPN
fsr-3288	258	9	is	be	AUX
fsr-3288	258	10	classified	classify	VERB
fsr-3288	258	11	in	in	ADP
fsr-3288	258	12	four	four	NUM
fsr-3288	258	13	ways	way	NOUN
fsr-3288	258	14	:	:	PUNCT
fsr-3288	258	15	(	(	PUNCT
fsr-3288	258	16	1	1	X
fsr-3288	258	17	)	)	PUNCT
fsr-3288	258	18	whether	whether	SCONJ
fsr-3288	258	19	a	a	DET
fsr-3288	258	20	respondent	respondent	NOUN
fsr-3288	258	21	consulted	consult	VERB
fsr-3288	258	22	a	a	DET
fsr-3288	258	23	financial	financial	ADJ
fsr-3288	258	24	planner	planner	NOUN
fsr-3288	258	25	in	in	ADP
fsr-3288	258	26	both	both	DET
fsr-3288	258	27	domains	domain	NOUN
fsr-3288	258	28	(	(	PUNCT
fsr-3288	258	29	comprehensive	comprehensive	ADJ
fsr-3288	258	30	planner	planner	NOUN
fsr-3288	258	31	)	)	PUNCT
fsr-3288	258	32	,	,	PUNCT
fsr-3288	258	33	(	(	PUNCT
fsr-3288	258	34	2	2	X
fsr-3288	258	35	)	)	PUNCT
fsr-3288	258	36	whether	whether	SCONJ
fsr-3288	258	37	a	a	DET
fsr-3288	258	38	respondent	respondent	NOUN
fsr-3288	258	39	consulted	consult	VERB
fsr-3288	258	40	a	a	DET
fsr-3288	258	41	financial	financial	ADJ
fsr-3288	258	42	planner	planner	NOUN
fsr-3288	258	43	in	in	ADP
fsr-3288	258	44	making	make	VERB
fsr-3288	258	45	saving	saving	NOUN
fsr-3288	258	46	/	/	SYM
fsr-3288	258	47	investment	investment	NOUN
fsr-3288	258	48	decisions	decision	NOUN
fsr-3288	258	49	,	,	PUNCT
fsr-3288	258	50	(	(	PUNCT
fsr-3288	258	51	3	3	X
fsr-3288	258	52	)	)	PUNCT
fsr-3288	258	53	whether	whether	SCONJ
fsr-3288	258	54	a	a	DET
fsr-3288	258	55	respondent	respondent	NOUN
fsr-3288	258	56	consulted	consult	VERB
fsr-3288	258	57	a	a	DET
fsr-3288	258	58	financial	financial	ADJ
fsr-3288	258	59	planner	planner	NOUN
fsr-3288	258	60	in	in	ADP
fsr-3288	258	61	making	make	VERB
fsr-3288	258	62	credit	credit	NOUN
fsr-3288	258	63	/	/	SYM
fsr-3288	258	64	borrowing	borrowing	NOUN
fsr-3288	258	65	decision	decision	NOUN
fsr-3288	258	66	,	,	PUNCT
fsr-3288	258	67	and	and	CCONJ
fsr-3288	258	68	(	(	PUNCT
fsr-3288	258	69	4	4	X
fsr-3288	258	70	)	)	PUNCT
fsr-3288	258	71	whether	whether	SCONJ
fsr-3288	258	72	a	a	DET
fsr-3288	258	73	respondent	respondent	NOUN
fsr-3288	258	74	consulted	consult	VERB
fsr-3288	258	75	a	a	DET
fsr-3288	258	76	financial	financial	ADJ
fsr-3288	258	77	planner	planner	NOUN
fsr-3288	258	78	in	in	ADP
fsr-3288	258	79	either	either	DET
fsr-3288	258	80	domain	domain	NOUN
fsr-3288	258	81	(	(	PUNCT
fsr-3288	258	82	any	any	DET
fsr-3288	258	83	planner	planner	NOUN
fsr-3288	258	84	)	)	PUNCT
fsr-3288	258	85	.	.	PUNCT
fsr-3288	259	1	further	far	ADV
fsr-3288	259	2	,	,	PUNCT
fsr-3288	259	3	patterns	pattern	NOUN
fsr-3288	259	4	in	in	ADP
fsr-3288	259	5	financial	financial	ADJ
fsr-3288	259	6	planner	planner	NOUN
fsr-3288	259	7	use	use	NOUN
fsr-3288	259	8	were	be	AUX
fsr-3288	259	9	measured	measure	VERB
fsr-3288	259	10	with	with	ADP
fsr-3288	259	11	four	four	NUM
fsr-3288	259	12	dummy	dummy	ADJ
fsr-3288	259	13	variables	variable	NOUN
fsr-3288	259	14	indicating	indicate	VERB
fsr-3288	259	15	use	use	NOUN
fsr-3288	259	16	of	of	ADP
fsr-3288	259	17	a	a	DET
fsr-3288	259	18	financial	financial	ADJ
fsr-3288	259	19	planner	planner	NOUN
fsr-3288	259	20	in	in	ADP
fsr-3288	259	21	both	both	DET
fsr-3288	259	22	periods	period	NOUN
fsr-3288	259	23	,	,	PUNCT
fsr-3288	259	24	dropped	drop	VERB
fsr-3288	259	25	a	a	DET
fsr-3288	259	26	planner	planner	NOUN
fsr-3288	259	27	in	in	ADP
fsr-3288	259	28	2009	2009	NUM
fsr-3288	259	29	,	,	PUNCT
fsr-3288	259	30	adopted	adopt	VERB
fsr-3288	259	31	a	a	DET
fsr-3288	259	32	planner	planner	NOUN
fsr-3288	259	33	in	in	ADP
fsr-3288	259	34	2009	2009	NUM
fsr-3288	259	35	,	,	PUNCT
fsr-3288	259	36	and	and	CCONJ
fsr-3288	259	37	no	no	DET
fsr-3288	259	38	financial	financial	ADJ
fsr-3288	259	39	planning	planning	NOUN
fsr-3288	259	40	service	service	NOUN
fsr-3288	259	41	in	in	ADP
fsr-3288	259	42	both	both	DET
fsr-3288	259	43	survey	survey	NOUN
fsr-3288	259	44	waves	wave	NOUN
fsr-3288	259	45	.	.	PUNCT
fsr-3288	260	1	descriptive	descriptive	ADJ
fsr-3288	260	2	statistics	statistic	NOUN
fsr-3288	260	3	related	relate	VERB
fsr-3288	260	4	to	to	ADP
fsr-3288	260	5	the	the	DET
fsr-3288	260	6	use	use	NOUN
fsr-3288	260	7	of	of	ADP
fsr-3288	260	8	financial	financial	ADJ
fsr-3288	260	9	planners	planner	NOUN
fsr-3288	260	10	in	in	ADP
fsr-3288	260	11	the	the	DET
fsr-3288	260	12	2007–2009	2007–2009	NUM
fsr-3288	260	13	scf	scf	NOUN
fsr-3288	260	14	and	and	CCONJ
fsr-3288	260	15	2010–2012	2010–2012	NUM
fsr-3288	260	16	nlsy79	nlsy79	NOUN
fsr-3288	260	17	can	can	AUX
fsr-3288	260	18	be	be	AUX
fsr-3288	260	19	found	find	VERB
fsr-3288	260	20	in	in	ADP
fsr-3288	260	21	table	table	NOUN
fsr-3288	260	22	3	3	NUM
fsr-3288	260	23	and	and	CCONJ
fsr-3288	260	24	are	be	AUX
fsr-3288	260	25	depicted	depict	VERB
fsr-3288	260	26	in	in	ADP
fsr-3288	260	27	fig	fig	NOUN
fsr-3288	260	28	.	.	PUNCT
fsr-3288	261	1	1	1	X
fsr-3288	261	2	.	.	X
fsr-3288	261	3	both	both	DET
fsr-3288	261	4	descriptive	descriptive	ADJ
fsr-3288	261	5	analyses	analysis	NOUN
fsr-3288	261	6	are	be	AUX
fsr-3288	261	7	weighted	weight	VERB
fsr-3288	261	8	to	to	PART
fsr-3288	261	9	be	be	AUX
fsr-3288	261	10	representative	representative	NOUN
fsr-3288	261	11	of	of	ADP
fsr-3288	261	12	the	the	DET
fsr-3288	261	13	u.s	u.s	PROPN
fsr-3288	261	14	.	.	PROPN
fsr-3288	261	15	population	population	NOUN
fsr-3288	261	16	.	.	PUNCT
fsr-3288	262	1	the	the	DET
fsr-3288	262	2	2007–2009	2007–2009	NUM
fsr-3288	262	3	scf	scf	NOUN
fsr-3288	262	4	includes	include	VERB
fsr-3288	262	5	3,857	3,857	NUM
fsr-3288	262	6	households	household	NOUN
fsr-3288	262	7	and	and	CCONJ
fsr-3288	262	8	the	the	DET
fsr-3288	262	9	2010–2012	2010–2012	NUM
fsr-3288	262	10	waves	wave	NOUN
fsr-3288	262	11	of	of	ADP
fsr-3288	262	12	the	the	DET
fsr-3288	262	13	nsly79	nsly79	NOUN
fsr-3288	262	14	include	include	VERB
fsr-3288	262	15	5,584	5,584	NUM
fsr-3288	262	16	respondents	respondent	NOUN
fsr-3288	262	17	.	.	PUNCT
fsr-3288	263	1	results	result	NOUN
fsr-3288	263	2	from	from	ADP
fsr-3288	263	3	the	the	DET
fsr-3288	263	4	2007–2009	2007–2009	NUM
fsr-3288	263	5	scf	scf	NOUN
fsr-3288	263	6	indicated	indicate	VERB
fsr-3288	263	7	that	that	SCONJ
fsr-3288	263	8	9.2	9.2	NUM
fsr-3288	263	9	%	%	NOUN
fsr-3288	263	10	of	of	ADP
fsr-3288	263	11	all	all	DET
fsr-3288	263	12	households	household	NOUN
fsr-3288	263	13	used	use	VERB
fsr-3288	263	14	a	a	DET
fsr-3288	263	15	comprehensive	comprehensive	ADJ
fsr-3288	263	16	planner	planner	NOUN
fsr-3288	263	17	in	in	ADP
fsr-3288	263	18	2007	2007	NUM
fsr-3288	263	19	,	,	PUNCT
fsr-3288	263	20	22.3	22.3	NUM
fsr-3288	263	21	%	%	NOUN
fsr-3288	263	22	consulted	consult	VERB
fsr-3288	263	23	a	a	DET
fsr-3288	263	24	financial	financial	ADJ
fsr-3288	263	25	planner	planner	NOUN
fsr-3288	263	26	for	for	ADP
fsr-3288	263	27	savings	saving	NOUN
fsr-3288	263	28	decisions	decision	NOUN
fsr-3288	263	29	,	,	PUNCT
fsr-3288	263	30	12.5	12.5	NUM
fsr-3288	263	31	%	%	NOUN
fsr-3288	263	32	used	use	VERB
fsr-3288	263	33	a	a	DET
fsr-3288	263	34	financial	financial	ADJ
fsr-3288	263	35	planner	planner	NOUN
fsr-3288	263	36	for	for	ADP
fsr-3288	263	37	borrowing	borrowing	NOUN
fsr-3288	263	38	decisions	decision	NOUN
fsr-3288	263	39	,	,	PUNCT
fsr-3288	263	40	and	and	CCONJ
fsr-3288	263	41	25.5	25.5	NUM
fsr-3288	263	42	%	%	NOUN
fsr-3288	263	43	reported	report	VERB
fsr-3288	263	44	consulting	consult	VERB
fsr-3288	263	45	a	a	DET
fsr-3288	263	46	financial	financial	ADJ
fsr-3288	263	47	planner	planner	NOUN
fsr-3288	263	48	when	when	SCONJ
fsr-3288	263	49	making	make	VERB
fsr-3288	263	50	either	either	CCONJ
fsr-3288	263	51	saving	saving	NOUN
fsr-3288	263	52	or	or	CCONJ
fsr-3288	263	53	credit	credit	NOUN
fsr-3288	263	54	decisions	decision	NOUN
fsr-3288	263	55	.	.	PUNCT
fsr-3288	264	1	minor	minor	ADJ
fsr-3288	264	2	decreases	decrease	NOUN
fsr-3288	264	3	in	in	ADP
fsr-3288	264	4	planner	planner	NOUN
fsr-3288	264	5	use	use	NOUN
fsr-3288	264	6	is	be	AUX
fsr-3288	264	7	noted	note	VERB
fsr-3288	264	8	across	across	ADP
fsr-3288	264	9	the	the	DET
fsr-3288	264	10	board	board	NOUN
fsr-3288	264	11	by	by	ADP
fsr-3288	264	12	2009	2009	NUM
fsr-3288	264	13	,	,	PUNCT
fsr-3288	264	14	with	with	ADP
fsr-3288	264	15	the	the	DET
fsr-3288	264	16	percentage	percentage	NOUN
fsr-3288	264	17	of	of	ADP
fsr-3288	264	18	the	the	DET
fsr-3288	264	19	population	population	NOUN
fsr-3288	264	20	consulting	consult	VERB
fsr-3288	264	21	a	a	DET
fsr-3288	264	22	planner	planner	NOUN
fsr-3288	264	23	declining	decline	VERB
fsr-3288	264	24	between	between	ADP
fsr-3288	264	25	1.1	1.1	NUM
fsr-3288	264	26	percentage	percentage	NOUN
fsr-3288	264	27	points	point	NOUN
fsr-3288	264	28	and	and	CCONJ
fsr-3288	264	29	2.3	2.3	NUM
fsr-3288	264	30	percentage	percentage	NOUN
fsr-3288	264	31	points	point	NOUN
fsr-3288	264	32	depending	depend	VERB
fsr-3288	264	33	on	on	ADP
fsr-3288	264	34	the	the	DET
fsr-3288	264	35	measure	measure	NOUN
fsr-3288	264	36	.	.	PUNCT
fsr-3288	265	1	despite	despite	SCONJ
fsr-3288	265	2	these	these	DET
fsr-3288	265	3	modest	modest	ADJ
fsr-3288	265	4	changes	change	NOUN
fsr-3288	265	5	,	,	PUNCT
fsr-3288	265	6	great	great	ADJ
fsr-3288	265	7	volatility	volatility	NOUN
fsr-3288	265	8	in	in	ADP
fsr-3288	265	9	planner	planner	NOUN
fsr-3288	265	10	use	use	NOUN
fsr-3288	265	11	was	be	AUX
fsr-3288	265	12	noted	note	VERB
fsr-3288	265	13	.	.	PUNCT
fsr-3288	266	1	almost	almost	ADV
fsr-3288	266	2	two	two	NUM
fsr-3288	266	3	-	-	PUNCT
fsr-3288	266	4	thirds	third	NOUN
fsr-3288	266	5	(	(	PUNCT
fsr-3288	266	6	63.6	63.6	NUM
fsr-3288	266	7	%	%	NOUN
fsr-3288	266	8	,	,	PUNCT
fsr-3288	266	9	n	n	X
fsr-3288	266	10	�	�	PROPN
fsr-3288	266	11	321	321	NUM
fsr-3288	266	12	)	)	PUNCT
fsr-3288	266	13	of	of	ADP
fsr-3288	266	14	respondents	respondent	NOUN
fsr-3288	266	15	who	who	PRON
fsr-3288	266	16	engaged	engage	VERB
fsr-3288	266	17	in	in	ADP
fsr-3288	266	18	comprehensive	comprehensive	ADJ
fsr-3288	266	19	planning	planning	NOUN
fsr-3288	266	20	in	in	ADP
fsr-3288	266	21	2007	2007	NUM
fsr-3288	266	22	reported	report	VERB
fsr-3288	266	23	that	that	SCONJ
fsr-3288	266	24	they	they	PRON
fsr-3288	266	25	did	do	AUX
fsr-3288	266	26	not	not	PART
fsr-3288	266	27	engage	engage	VERB
fsr-3288	266	28	again	again	ADV
fsr-3288	266	29	in	in	ADP
fsr-3288	266	30	2009	2009	NUM
fsr-3288	266	31	.	.	PUNCT
fsr-3288	267	1	on	on	ADP
fsr-3288	267	2	the	the	DET
fsr-3288	267	3	aggregate	aggregate	NOUN
fsr-3288	267	4	,	,	PUNCT
fsr-3288	267	5	this	this	PRON
fsr-3288	267	6	was	be	AUX
fsr-3288	267	7	largely	largely	ADV
fsr-3288	267	8	offset	offset	VERB
fsr-3288	267	9	by	by	ADP
fsr-3288	267	10	the	the	DET
fsr-3288	267	11	6.4	6.4	NUM
fsr-3288	267	12	%	%	NOUN
fsr-3288	267	13	(	(	PUNCT
fsr-3288	267	14	n	n	X
fsr-3288	267	15	�	�	PROPN
fsr-3288	267	16	246	246	NUM
fsr-3288	267	17	)	)	PUNCT
fsr-3288	267	18	of	of	ADP
fsr-3288	267	19	the	the	DET
fsr-3288	267	20	sample	sample	NOUN
fsr-3288	267	21	that	that	PRON
fsr-3288	267	22	adopted	adopt	VERB
fsr-3288	267	23	a	a	DET
fsr-3288	267	24	comprehensive	comprehensive	ADJ
fsr-3288	267	25	planner	planner	NOUN
fsr-3288	267	26	in	in	ADP
fsr-3288	267	27	2009	2009	NUM
fsr-3288	267	28	.	.	PUNCT
fsr-3288	268	1	similarly	similarly	ADV
fsr-3288	268	2	,	,	PUNCT
fsr-3288	268	3	exit	exit	NOUN
fsr-3288	268	4	rates	rate	NOUN
fsr-3288	268	5	of	of	ADP
fsr-3288	268	6	46.7	46.7	NUM
fsr-3288	268	7	%	%	NOUN
fsr-3288	268	8	,	,	PUNCT
fsr-3288	268	9	64.6	64.6	NUM
fsr-3288	268	10	%	%	NOUN
fsr-3288	268	11	,	,	PUNCT
fsr-3288	268	12	and	and	CCONJ
fsr-3288	268	13	45.3	45.3	NUM
fsr-3288	268	14	%	%	NOUN
fsr-3288	268	15	were	be	AUX
fsr-3288	268	16	found	find	VERB
fsr-3288	268	17	for	for	ADP
fsr-3288	268	18	respondents	respondent	NOUN
fsr-3288	268	19	using	use	VERB
fsr-3288	268	20	investment	investment	NOUN
fsr-3288	268	21	planners	planner	NOUN
fsr-3288	268	22	,	,	PUNCT
fsr-3288	268	23	credit	credit	NOUN
fsr-3288	268	24	planners	planner	NOUN
fsr-3288	268	25	,	,	PUNCT
fsr-3288	268	26	and	and	CCONJ
fsr-3288	268	27	any	any	DET
fsr-3288	268	28	planner	planner	NOUN
fsr-3288	268	29	,	,	PUNCT
fsr-3288	268	30	respectively	respectively	ADV
fsr-3288	268	31	.	.	PUNCT
fsr-3288	269	1	a	a	DET
fsr-3288	269	2	similar	similar	ADJ
fsr-3288	269	3	pattern	pattern	NOUN
fsr-3288	269	4	was	be	AUX
fsr-3288	269	5	noted	note	VERB
fsr-3288	269	6	in	in	ADP
fsr-3288	269	7	financial	financial	ADJ
fsr-3288	269	8	planner	planner	NOUN
fsr-3288	269	9	use	use	NOUN
fsr-3288	269	10	in	in	ADP
fsr-3288	269	11	the	the	DET
fsr-3288	269	12	2010–2012	2010–2012	NUM
fsr-3288	269	13	nlsy79	nlsy79	NOUN
fsr-3288	269	14	.	.	PUNCT
fsr-3288	270	1	consulting	consult	VERB
fsr-3288	270	2	a	a	DET
fsr-3288	270	3	financial	financial	ADJ
fsr-3288	270	4	planner	planner	NOUN
fsr-3288	270	5	for	for	ADP
fsr-3288	270	6	retirement	retirement	NOUN
fsr-3288	270	7	was	be	AUX
fsr-3288	270	8	measured	measure	VERB
fsr-3288	270	9	as	as	SCONJ
fsr-3288	270	10	follows	follow	VERB
fsr-3288	270	11	:	:	PUNCT
fsr-3288	270	12	use	use	NOUN
fsr-3288	270	13	of	of	ADP
fsr-3288	270	14	a	a	DET
fsr-3288	270	15	financial	financial	ADJ
fsr-3288	270	16	planner	planner	NOUN
fsr-3288	270	17	in	in	ADP
fsr-3288	270	18	both	both	DET
fsr-3288	270	19	survey	survey	NOUN
fsr-3288	270	20	waves	wave	NOUN
fsr-3288	270	21	,	,	PUNCT
fsr-3288	270	22	dropped	drop	VERB
fsr-3288	270	23	a	a	DET
fsr-3288	270	24	planner	planner	NOUN
fsr-3288	270	25	in	in	ADP
fsr-3288	270	26	2012	2012	NUM
fsr-3288	270	27	,	,	PUNCT
fsr-3288	270	28	adopted	adopt	VERB
fsr-3288	270	29	a	a	DET
fsr-3288	270	30	planner	planner	NOUN
fsr-3288	270	31	in	in	ADP
fsr-3288	270	32	2012	2012	NUM
fsr-3288	270	33	,	,	PUNCT
fsr-3288	270	34	and	and	CCONJ
fsr-3288	270	35	no	no	DET
fsr-3288	270	36	financial	financial	ADJ
fsr-3288	270	37	planning	planning	NOUN
fsr-3288	270	38	service	service	NOUN
fsr-3288	270	39	in	in	ADP
fsr-3288	270	40	either	either	DET
fsr-3288	270	41	period	period	NOUN
fsr-3288	270	42	.	.	PUNCT
fsr-3288	271	1	overall	overall	ADV
fsr-3288	271	2	,	,	PUNCT
fsr-3288	271	3	the	the	DET
fsr-3288	271	4	proportion	proportion	NOUN
fsr-3288	271	5	of	of	ADP
fsr-3288	271	6	households	household	NOUN
fsr-3288	271	7	who	who	PRON
fsr-3288	271	8	consulted	consult	VERB
fsr-3288	271	9	a	a	DET
fsr-3288	271	10	financial	financial	ADJ
fsr-3288	271	11	planner	planner	NOUN
fsr-3288	271	12	for	for	ADP
fsr-3288	271	13	retirement	retirement	NOUN
fsr-3288	271	14	decreased	decrease	VERB
fsr-3288	271	15	between	between	ADP
fsr-3288	271	16	2010	2010	NUM
fsr-3288	271	17	and	and	CCONJ
fsr-3288	271	18	2012	2012	NUM
fsr-3288	271	19	(	(	PUNCT
fsr-3288	271	20	from	from	ADP
fsr-3288	271	21	24.7	24.7	NUM
fsr-3288	271	22	%	%	NOUN
fsr-3288	271	23	to	to	ADP
fsr-3288	271	24	23.1	23.1	NUM
fsr-3288	271	25	%	%	NOUN
fsr-3288	271	26	)	)	PUNCT
fsr-3288	271	27	.	.	PUNCT
fsr-3288	272	1	as	as	ADP
fsr-3288	272	2	in	in	ADP
fsr-3288	272	3	the	the	DET
fsr-3288	272	4	scf	scf	PROPN
fsr-3288	272	5	,	,	PUNCT
fsr-3288	272	6	similar	similar	ADJ
fsr-3288	272	7	volatility	volatility	NOUN
fsr-3288	272	8	in	in	ADP
fsr-3288	272	9	planner	planner	NOUN
fsr-3288	272	10	use	use	NOUN
fsr-3288	272	11	was	be	AUX
fsr-3288	272	12	noted	note	VERB
fsr-3288	272	13	;	;	PUNCT
fsr-3288	272	14	43.1	43.1	NUM
fsr-3288	272	15	%	%	NOUN
fsr-3288	272	16	of	of	ADP
fsr-3288	272	17	respondents	respondent	NOUN
fsr-3288	272	18	who	who	PRON
fsr-3288	272	19	consulted	consult	VERB
fsr-3288	272	20	a	a	DET
fsr-3288	272	21	planner	planner	NOUN
fsr-3288	272	22	in	in	ADP
fsr-3288	272	23	2010	2010	NUM
fsr-3288	272	24	dropped	drop	VERB
fsr-3288	272	25	their	their	PRON
fsr-3288	272	26	service	service	NOUN
fsr-3288	272	27	by	by	ADP
fsr-3288	272	28	2012	2012	NUM
fsr-3288	272	29	.	.	PUNCT
fsr-3288	273	1	our	our	PRON
fsr-3288	273	2	results	result	NOUN
fsr-3288	273	3	are	be	AUX
fsr-3288	273	4	consistent	consistent	ADJ
fsr-3288	273	5	with	with	ADP
fsr-3288	273	6	the	the	DET
fsr-3288	273	7	ahead	ahead	ADJ
fsr-3288	273	8	data	data	NOUN
fsr-3288	273	9	results	result	NOUN
fsr-3288	273	10	reported	report	VERB
fsr-3288	273	11	by	by	ADP
fsr-3288	273	12	cummings	cummings	PROPN
fsr-3288	273	13	and	and	CCONJ
fsr-3288	273	14	james	james	PROPN
fsr-3288	273	15	(	(	PUNCT
fsr-3288	273	16	2014)—they	2014)—they	PRON
fsr-3288	273	17	found	find	VERB
fsr-3288	273	18	that	that	SCONJ
fsr-3288	273	19	52.7	52.7	NUM
fsr-3288	273	20	%	%	NOUN
fsr-3288	273	21	of	of	ADP
fsr-3288	273	22	respondents	respondent	NOUN
fsr-3288	273	23	who	who	PRON
fsr-3288	273	24	reported	report	VERB
fsr-3288	273	25	using	use	VERB
fsr-3288	273	26	a	a	DET
fsr-3288	273	27	financial	financial	ADJ
fsr-3288	273	28	advisor	advisor	NOUN
fsr-3288	273	29	in	in	ADP
fsr-3288	273	30	1993	1993	NUM
fsr-3288	273	31	no	no	ADV
fsr-3288	273	32	longer	long	ADV
fsr-3288	273	33	reported	report	VERB
fsr-3288	273	34	using	use	VERB
fsr-3288	273	35	a	a	DET
fsr-3288	273	36	financial	financial	ADJ
fsr-3288	273	37	advisor	advisor	NOUN
fsr-3288	273	38	in	in	ADP
fsr-3288	273	39	1995	1995	NUM
fsr-3288	273	40	.	.	PUNCT
fsr-3288	274	1	information	information	NOUN
fsr-3288	274	2	on	on	ADP
fsr-3288	274	3	client	client	NOUN
fsr-3288	274	4	retention	retention	NOUN
fsr-3288	274	5	rates	rate	NOUN
fsr-3288	274	6	for	for	ADP
fsr-3288	274	7	financial	financial	ADJ
fsr-3288	274	8	planners	planner	NOUN
fsr-3288	274	9	is	be	AUX
fsr-3288	274	10	limited	limit	VERB
fsr-3288	274	11	.	.	PUNCT
fsr-3288	275	1	the	the	DET
fsr-3288	275	2	best	good	ADJ
fsr-3288	275	3	estimate	estimate	NOUN
fsr-3288	275	4	is	be	AUX
fsr-3288	275	5	provided	provide	VERB
fsr-3288	275	6	by	by	ADP
fsr-3288	275	7	pricemetrix	pricemetrix	NOUN
fsr-3288	275	8	(	(	PUNCT
fsr-3288	275	9	2013	2013	NUM
fsr-3288	275	10	)	)	PUNCT
fsr-3288	275	11	,	,	PUNCT
fsr-3288	275	12	which	which	PRON
fsr-3288	275	13	used	use	VERB
fsr-3288	275	14	aggregated	aggregate	VERB
fsr-3288	275	15	data	datum	NOUN
fsr-3288	275	16	from	from	ADP
fsr-3288	275	17	7	7	NUM
fsr-3288	275	18	million	million	NUM
fsr-3288	275	19	retail	retail	ADJ
fsr-3288	275	20	investors	investor	NOUN
fsr-3288	275	21	to	to	PART
fsr-3288	275	22	investigate	investigate	VERB
fsr-3288	275	23	advisor	advisor	NOUN
fsr-3288	275	24	retention	retention	NOUN
fsr-3288	275	25	rates	rate	NOUN
fsr-3288	275	26	between	between	ADP
fsr-3288	275	27	2009	2009	NUM
fsr-3288	275	28	and	and	CCONJ
fsr-3288	275	29	2013	2013	NUM
fsr-3288	275	30	.	.	PUNCT
fsr-3288	276	1	the	the	DET
fsr-3288	276	2	report	report	NOUN
fsr-3288	276	3	found	find	VERB
fsr-3288	276	4	that	that	SCONJ
fsr-3288	276	5	the	the	DET
fsr-3288	276	6	median	median	ADJ
fsr-3288	276	7	advisor	advisor	NOUN
fsr-3288	276	8	retained	retain	VERB
fsr-3288	276	9	roughly	roughly	ADV
fsr-3288	276	10	94	94	NUM
fsr-3288	276	11	%	%	NOUN
fsr-3288	276	12	percent	percent	NOUN
fsr-3288	276	13	of	of	ADP
fsr-3288	276	14	clients	client	NOUN
fsr-3288	276	15	each	each	DET
fsr-3288	276	16	year	year	NOUN
fsr-3288	276	17	between	between	ADP
fsr-3288	276	18	2009	2009	NUM
fsr-3288	276	19	and	and	CCONJ
fsr-3288	276	20	2013	2013	NUM
fsr-3288	276	21	.	.	PUNCT
fsr-3288	277	1	poor	poor	ADJ
fsr-3288	277	2	performing	performing	NOUN
fsr-3288	277	3	advisors	advisor	NOUN
fsr-3288	277	4	,	,	PUNCT
fsr-3288	277	5	those	those	PRON
fsr-3288	277	6	in	in	ADP
fsr-3288	277	7	the	the	DET
fsr-3288	277	8	10th	10th	ADJ
fsr-3288	277	9	percentile	percentile	NOUN
fsr-3288	277	10	,	,	PUNCT
fsr-3288	277	11	were	be	AUX
fsr-3288	277	12	still	still	ADV
fsr-3288	277	13	found	find	VERB
fsr-3288	277	14	to	to	PART
fsr-3288	277	15	annually	annually	ADV
fsr-3288	277	16	retain	retain	VERB
fsr-3288	277	17	between	between	ADP
fsr-3288	277	18	81	81	NUM
fsr-3288	277	19	%	%	NOUN
fsr-3288	277	20	and	and	CCONJ
fsr-3288	277	21	87	87	NUM
fsr-3288	277	22	%	%	NOUN
fsr-3288	277	23	of	of	ADP
fsr-3288	277	24	clients	client	NOUN
fsr-3288	277	25	over	over	ADP
fsr-3288	277	26	this	this	DET
fsr-3288	277	27	same	same	ADJ
fsr-3288	277	28	time	time	NOUN
fsr-3288	277	29	period	period	NOUN
fsr-3288	277	30	.	.	PUNCT
fsr-3288	278	1	while	while	SCONJ
fsr-3288	278	2	client	client	NOUN
fsr-3288	278	3	retention	retention	NOUN
fsr-3288	278	4	rates	rate	NOUN
fsr-3288	278	5	were	be	AUX
fsr-3288	278	6	439s.j	439s.j	PROPN
fsr-3288	278	7	.	.	PUNCT
fsr-3288	279	1	heckman	heckman	PROPN
fsr-3288	279	2	et	et	PROPN
fsr-3288	279	3	al	al	PROPN
fsr-3288	279	4	.	.	PUNCT
fsr-3288	279	5	/	/	SYM
fsr-3288	279	6	financial	financial	ADJ
fsr-3288	279	7	services	service	NOUN
fsr-3288	279	8	review	review	VERB
fsr-3288	279	9	25	25	NUM
fsr-3288	279	10	(	(	PUNCT
fsr-3288	279	11	2016	2016	NUM
fsr-3288	279	12	)	)	PUNCT
fsr-3288	279	13	427–446	427–446	NUM
fsr-3288	279	14	t	t	PROPN
fsr-3288	279	15	ab	ab	X
fsr-3288	279	16	le	le	PROPN
fsr-3288	279	17	3	3	NUM
fsr-3288	279	18	fi	fi	NOUN
fsr-3288	279	19	na	na	PROPN
fsr-3288	279	20	nc	nc	PROPN
fsr-3288	279	21	ia	ia	PROPN
fsr-3288	279	22	l	l	PROPN
fsr-3288	279	23	pl	pl	PROPN
fsr-3288	279	24	an	an	DET
fsr-3288	279	25	ne	ne	NOUN
fsr-3288	279	26	r	r	VERB
fsr-3288	279	27	us	us	PROPN
fsr-3288	279	28	e	e	NOUN
fsr-3288	279	29	in	in	ADP
fsr-3288	279	30	th	th	NUM
fsr-3288	279	31	e	e	NOUN
fsr-3288	279	32	20	20	NUM
fsr-3288	279	33	07	07	NUM
fsr-3288	279	34	–	–	PUNCT
fsr-3288	279	35	2	2	NUM
fsr-3288	279	36	00	00	NUM
fsr-3288	279	37	9	9	NUM
fsr-3288	279	38	sc	sc	NOUN
fsr-3288	279	39	f	f	PROPN
fsr-3288	279	40	pa	pa	PROPN
fsr-3288	279	41	ne	ne	PROPN
fsr-3288	279	42	l	l	PROPN
fsr-3288	280	1	an	an	DET
fsr-3288	280	2	d	d	PROPN
fsr-3288	280	3	20	20	NUM
fsr-3288	280	4	10	10	NUM
fsr-3288	280	5	–	–	SYM
fsr-3288	280	6	2	2	NUM
fsr-3288	280	7	01	01	NUM
fsr-3288	280	8	2	2	NUM
fsr-3288	280	9	n	n	NUM
fsr-3288	280	10	l	l	NOUN
fsr-3288	280	11	sy	sy	NOUN
fsr-3288	280	12	79	79	NUM
fsr-3288	280	13	20	20	NUM
fsr-3288	280	14	07	07	NUM
fsr-3288	280	15	–	–	PUNCT
fsr-3288	280	16	2	2	NUM
fsr-3288	280	17	00	00	NUM
fsr-3288	280	18	9	9	NUM
fsr-3288	280	19	sc	sc	NOUN
fsr-3288	280	20	f	f	PROPN
fsr-3288	280	21	pa	pa	PROPN
fsr-3288	280	22	ne	ne	PROPN
fsr-3288	280	23	l	l	PROPN
fsr-3288	280	24	20	20	NUM
fsr-3288	280	25	10	10	NUM
fsr-3288	280	26	–	–	SYM
fsr-3288	280	27	2	2	NUM
fsr-3288	280	28	01	01	NUM
fsr-3288	280	29	2	2	NUM
fsr-3288	280	30	n	n	NOUN
fsr-3288	280	31	sl	sl	NOUN
fsr-3288	280	32	y	y	PROPN
fsr-3288	280	33	79	79	NUM
fsr-3288	280	34	c	c	NOUN
fsr-3288	280	35	om	om	PROPN
fsr-3288	280	36	pr	pr	INTJ
fsr-3288	280	37	eh	eh	INTJ
fsr-3288	280	38	en	en	INTJ
fsr-3288	280	39	si	si	X
fsr-3288	281	1	ve	ve	VERB
fsr-3288	281	2	pl	pl	X
fsr-3288	281	3	an	an	DET
fsr-3288	281	4	ne	ne	X
fsr-3288	281	5	r	r	PROPN
fsr-3288	281	6	sa	sa	PROPN
fsr-3288	281	7	vi	vi	PROPN
fsr-3288	282	1	ng	ng	PROPN
fsr-3288	282	2	/in	/in	X
fsr-3288	282	3	ve	ve	AUX
fsr-3288	282	4	st	st	PROPN
fsr-3288	282	5	m	m	PROPN
fsr-3288	282	6	en	en	PROPN
fsr-3288	282	7	t	t	X
fsr-3288	282	8	pl	pl	PROPN
fsr-3288	282	9	an	an	DET
fsr-3288	282	10	ne	ne	NOUN
fsr-3288	282	11	r	r	NOUN
fsr-3288	282	12	on	on	ADP
fsr-3288	282	13	ly	ly	X
fsr-3288	282	14	c	c	NOUN
fsr-3288	282	15	re	re	X
fsr-3288	282	16	di	di	PROPN
fsr-3288	282	17	t	t	PROPN
fsr-3288	282	18	/	/	SYM
fsr-3288	282	19	b	b	PROPN
fsr-3288	282	20	or	or	CCONJ
fsr-3288	282	21	ro	ro	INTJ
fsr-3288	282	22	w	w	NOUN
fsr-3288	282	23	in	in	ADP
fsr-3288	282	24	g	g	PROPN
fsr-3288	282	25	pl	pl	PROPN
fsr-3288	282	26	an	an	DET
fsr-3288	282	27	ne	ne	NOUN
fsr-3288	282	28	r	r	NOUN
fsr-3288	282	29	on	on	ADP
fsr-3288	282	30	ly	ly	ADP
fsr-3288	282	31	a	a	DET
fsr-3288	282	32	ny	ny	NOUN
fsr-3288	282	33	pl	pl	PROPN
fsr-3288	282	34	an	an	DET
fsr-3288	282	35	ne	ne	X
fsr-3288	282	36	r	r	PROPN
fsr-3288	282	37	sa	sa	NOUN
fsr-3288	282	38	m	m	VERB
fsr-3288	282	39	pl	pl	X
fsr-3288	282	40	e	e	X
fsr-3288	282	41	(	(	PUNCT
fsr-3288	282	42	n	n	CCONJ
fsr-3288	282	43	)	)	PUNCT
fsr-3288	282	44	pr	pr	ADP
fsr-3288	282	45	op	op	NOUN
fsr-3288	282	46	or	or	CCONJ
fsr-3288	282	47	tio	tio	NOUN
fsr-3288	282	48	n	n	PROPN
fsr-3288	282	49	(	(	PUNCT
fsr-3288	282	50	%	%	NOUN
fsr-3288	282	51	)	)	PUNCT
fsr-3288	282	52	sa	sa	PROPN
fsr-3288	282	53	m	m	VERB
fsr-3288	282	54	pl	pl	X
fsr-3288	282	55	e	e	X
fsr-3288	282	56	(	(	PUNCT
fsr-3288	282	57	n	n	CCONJ
fsr-3288	282	58	)	)	PUNCT
fsr-3288	282	59	pr	pr	ADP
fsr-3288	282	60	op	op	NOUN
fsr-3288	282	61	or	or	CCONJ
fsr-3288	282	62	tio	tio	NOUN
fsr-3288	282	63	n	n	PROPN
fsr-3288	282	64	(	(	PUNCT
fsr-3288	282	65	%	%	NOUN
fsr-3288	282	66	)	)	PUNCT
fsr-3288	283	1	sa	sa	PROPN
fsr-3288	283	2	m	m	VERB
fsr-3288	283	3	pl	pl	X
fsr-3288	283	4	e	e	X
fsr-3288	283	5	(	(	PUNCT
fsr-3288	283	6	n	n	CCONJ
fsr-3288	283	7	)	)	PUNCT
fsr-3288	283	8	pr	pr	ADP
fsr-3288	283	9	op	op	NOUN
fsr-3288	283	10	or	or	CCONJ
fsr-3288	283	11	tio	tio	NOUN
fsr-3288	283	12	n	n	PROPN
fsr-3288	283	13	(	(	PUNCT
fsr-3288	283	14	%	%	NOUN
fsr-3288	283	15	)	)	PUNCT
fsr-3288	283	16	sa	sa	PROPN
fsr-3288	283	17	m	m	VERB
fsr-3288	283	18	pl	pl	X
fsr-3288	283	19	e	e	X
fsr-3288	283	20	(	(	PUNCT
fsr-3288	283	21	n	n	CCONJ
fsr-3288	283	22	)	)	PUNCT
fsr-3288	283	23	pr	pr	ADP
fsr-3288	283	24	op	op	NOUN
fsr-3288	283	25	or	or	CCONJ
fsr-3288	283	26	tio	tio	NOUN
fsr-3288	283	27	n	n	PROPN
fsr-3288	283	28	(	(	PUNCT
fsr-3288	283	29	%	%	NOUN
fsr-3288	283	30	)	)	PUNCT
fsr-3288	284	1	sa	sa	PROPN
fsr-3288	284	2	m	m	VERB
fsr-3288	284	3	pl	pl	X
fsr-3288	284	4	e	e	X
fsr-3288	284	5	(	(	PUNCT
fsr-3288	284	6	n	n	CCONJ
fsr-3288	284	7	)	)	PUNCT
fsr-3288	284	8	pr	pr	ADP
fsr-3288	284	9	op	op	NOUN
fsr-3288	284	10	or	or	CCONJ
fsr-3288	284	11	tio	tio	NOUN
fsr-3288	284	12	n	n	PROPN
fsr-3288	284	13	(	(	PUNCT
fsr-3288	284	14	%	%	NOUN
fsr-3288	284	15	)	)	PUNCT
fsr-3288	284	16	pl	pl	PROPN
fsr-3288	284	17	an	an	DET
fsr-3288	284	18	ne	ne	X
fsr-3288	284	19	r	r	NOUN
fsr-3288	284	20	in	in	ADP
fsr-3288	284	21	20	20	NUM
fsr-3288	284	22	07	07	NUM
fsr-3288	284	23	50	50	NUM
fsr-3288	284	24	5	5	NUM
fsr-3288	284	25	9	9	NUM
fsr-3288	284	26	.	.	NOUN
fsr-3288	284	27	2	2	NUM
fsr-3288	284	28	1	1	NUM
fsr-3288	284	29	,	,	PUNCT
fsr-3288	284	30	14	14	NUM
fsr-3288	284	31	0	0	NUM
fsr-3288	284	32	22	22	NUM
fsr-3288	284	33	.3	.3	NUM
fsr-3288	284	34	63	63	NUM
fsr-3288	284	35	0	0	NUM
fsr-3288	284	36	12	12	NUM
fsr-3288	284	37	.5	.5	NUM
fsr-3288	284	38	1	1	NUM
fsr-3288	284	39	,	,	PUNCT
fsr-3288	284	40	26	26	NUM
fsr-3288	284	41	6	6	NUM
fsr-3288	284	42	25	25	NUM
fsr-3288	284	43	.5	.5	NUM
fsr-3288	284	44	pl	pl	PROPN
fsr-3288	284	45	an	an	DET
fsr-3288	284	46	ne	ne	NOUN
fsr-3288	284	47	r	r	NOUN
fsr-3288	284	48	in	in	ADP
fsr-3288	284	49	20	20	NUM
fsr-3288	284	50	10	10	NUM
fsr-3288	284	51	1	1	NUM
fsr-3288	284	52	,	,	PUNCT
fsr-3288	284	53	42	42	NUM
fsr-3288	284	54	1	1	NUM
fsr-3288	284	55	24	24	NUM
fsr-3288	284	56	.7	.7	PROPN
fsr-3288	284	57	pl	pl	PROPN
fsr-3288	284	58	an	an	DET
fsr-3288	284	59	ne	ne	NOUN
fsr-3288	284	60	r	r	NOUN
fsr-3288	284	61	in	in	ADP
fsr-3288	284	62	20	20	NUM
fsr-3288	284	63	09	09	NUM
fsr-3288	284	64	43	43	NUM
fsr-3288	284	65	0	0	NUM
fsr-3288	284	66	8	8	NUM
fsr-3288	284	67	.	.	NOUN
fsr-3288	284	68	1	1	NUM
fsr-3288	284	69	1	1	NUM
fsr-3288	284	70	,	,	PUNCT
fsr-3288	284	71	05	05	NUM
fsr-3288	284	72	9	9	NUM
fsr-3288	284	73	20	20	NUM
fsr-3288	284	74	.7	.7	NUM
fsr-3288	284	75	53	53	NUM
fsr-3288	284	76	2	2	NUM
fsr-3288	284	77	10	10	NUM
fsr-3288	284	78	.6	.6	NUM
fsr-3288	284	79	1	1	NUM
fsr-3288	284	80	,	,	PUNCT
fsr-3288	284	81	16	16	NUM
fsr-3288	284	82	0	0	NUM
fsr-3288	284	83	23	23	NUM
fsr-3288	284	84	.2	.2	NUM
fsr-3288	284	85	pl	pl	PROPN
fsr-3288	284	86	an	an	DET
fsr-3288	284	87	ne	ne	NOUN
fsr-3288	284	88	r	r	NOUN
fsr-3288	284	89	in	in	ADP
fsr-3288	284	90	20	20	NUM
fsr-3288	284	91	12	12	NUM
fsr-3288	284	92	1	1	NUM
fsr-3288	284	93	,	,	PUNCT
fsr-3288	284	94	27	27	NUM
fsr-3288	284	95	2	2	NUM
fsr-3288	284	96	23	23	NUM
fsr-3288	284	97	.1	.1	NUM
fsr-3288	284	98	pl	pl	X
fsr-3288	284	99	an	an	DET
fsr-3288	284	100	ne	ne	X
fsr-3288	284	101	r	r	NOUN
fsr-3288	284	102	in	in	ADP
fsr-3288	284	103	20	20	NUM
fsr-3288	284	104	07	07	NUM
fsr-3288	284	105	an	an	DET
fsr-3288	284	106	d	d	PROPN
fsr-3288	284	107	20	20	NUM
fsr-3288	284	108	09	09	NUM
fsr-3288	284	109	18	18	NUM
fsr-3288	284	110	4	4	NUM
fsr-3288	284	111	2	2	NUM
fsr-3288	284	112	.	.	NOUN
fsr-3288	284	113	9	9	NUM
fsr-3288	284	114	60	60	NUM
fsr-3288	284	115	8	8	NUM
fsr-3288	284	116	10	10	NUM
fsr-3288	284	117	.4	.4	NUM
fsr-3288	284	118	22	22	NUM
fsr-3288	284	119	3	3	NUM
fsr-3288	284	120	3	3	NUM
fsr-3288	284	121	.	.	NOUN
fsr-3288	284	122	7	7	NUM
fsr-3288	284	123	69	69	NUM
fsr-3288	284	124	2	2	NUM
fsr-3288	284	125	12	12	NUM
fsr-3288	284	126	.1	.1	NUM
fsr-3288	284	127	pl	pl	X
fsr-3288	284	128	an	an	DET
fsr-3288	284	129	ne	ne	X
fsr-3288	284	130	r	r	NOUN
fsr-3288	284	131	in	in	ADP
fsr-3288	284	132	20	20	NUM
fsr-3288	284	133	10	10	NUM
fsr-3288	284	134	an	an	DET
fsr-3288	284	135	d	d	NUM
fsr-3288	284	136	20	20	NUM
fsr-3288	284	137	12	12	NUM
fsr-3288	284	138	80	80	NUM
fsr-3288	284	139	8	8	NUM
fsr-3288	284	140	15	15	NUM
fsr-3288	284	141	.3	.3	NUM
fsr-3288	285	1	d	d	NOUN
fsr-3288	285	2	ro	ro	PROPN
fsr-3288	286	1	pp	pp	ADV
fsr-3288	286	2	ed	ed	PROPN
fsr-3288	286	3	a	a	DET
fsr-3288	286	4	pl	pl	PROPN
fsr-3288	286	5	an	an	DET
fsr-3288	286	6	ne	ne	NOUN
fsr-3288	286	7	r	r	NOUN
fsr-3288	286	8	in	in	ADP
fsr-3288	286	9	20	20	NUM
fsr-3288	286	10	09	09	NUM
fsr-3288	286	11	32	32	NUM
fsr-3288	286	12	1	1	NUM
fsr-3288	286	13	6	6	NUM
fsr-3288	286	14	.	.	SYM
fsr-3288	286	15	3	3	NUM
fsr-3288	286	16	53	53	NUM
fsr-3288	286	17	2	2	NUM
fsr-3288	286	18	11	11	NUM
fsr-3288	286	19	.9	.9	NUM
fsr-3288	286	20	40	40	NUM
fsr-3288	286	21	7	7	NUM
fsr-3288	286	22	8	8	NUM
fsr-3288	286	23	.	.	NOUN
fsr-3288	286	24	8	8	NUM
fsr-3288	286	25	57	57	NUM
fsr-3288	286	26	3	3	NUM
fsr-3288	286	27	13	13	NUM
fsr-3288	286	28	.4	.4	NUM
fsr-3288	287	1	d	d	NOUN
fsr-3288	287	2	ro	ro	INTJ
fsr-3288	288	1	pp	pp	ADV
fsr-3288	288	2	ed	ed	PROPN
fsr-3288	288	3	a	a	DET
fsr-3288	288	4	pl	pl	PROPN
fsr-3288	288	5	an	an	DET
fsr-3288	288	6	ne	ne	NOUN
fsr-3288	288	7	r	r	NOUN
fsr-3288	288	8	in	in	ADP
fsr-3288	288	9	20	20	NUM
fsr-3288	288	10	12	12	NUM
fsr-3288	288	11	61	61	NUM
fsr-3288	288	12	3	3	NUM
fsr-3288	288	13	9	9	NUM
fsr-3288	288	14	.	.	ADP
fsr-3288	288	15	4	4	NUM
fsr-3288	289	1	a	a	DET
fsr-3288	289	2	do	do	NOUN
fsr-3288	289	3	pt	pt	INTJ
fsr-3288	289	4	ed	ed	NOUN
fsr-3288	289	5	a	a	PRON
fsr-3288	289	6	pl	pl	PROPN
fsr-3288	289	7	an	an	DET
fsr-3288	289	8	ne	ne	NOUN
fsr-3288	289	9	r	r	NOUN
fsr-3288	289	10	in	in	ADP
fsr-3288	289	11	20	20	NUM
fsr-3288	289	12	09	09	NUM
fsr-3288	289	13	24	24	NUM
fsr-3288	289	14	6	6	NUM
fsr-3288	289	15	5	5	NUM
fsr-3288	289	16	.	.	SYM
fsr-3288	289	17	2	2	NUM
fsr-3288	289	18	45	45	NUM
fsr-3288	289	19	1	1	NUM
fsr-3288	289	20	10	10	NUM
fsr-3288	289	21	.3	.3	NUM
fsr-3288	289	22	30	30	NUM
fsr-3288	289	23	9	9	NUM
fsr-3288	289	24	6	6	NUM
fsr-3288	289	25	.	.	NOUN
fsr-3288	290	1	9	9	NUM
fsr-3288	290	2	46	46	NUM
fsr-3288	290	3	8	8	NUM
fsr-3288	290	4	11	11	NUM
fsr-3288	290	5	.1	.1	NUM
fsr-3288	290	6	a	a	DET
fsr-3288	290	7	do	do	AUX
fsr-3288	290	8	pt	pt	INTJ
fsr-3288	290	9	ed	ed	NOUN
fsr-3288	290	10	a	a	PRON
fsr-3288	290	11	pl	pl	PROPN
fsr-3288	290	12	an	an	DET
fsr-3288	290	13	ne	ne	NOUN
fsr-3288	290	14	r	r	NOUN
fsr-3288	290	15	in	in	ADP
fsr-3288	290	16	20	20	NUM
fsr-3288	290	17	12	12	NUM
fsr-3288	290	18	46	46	NUM
fsr-3288	290	19	4	4	NUM
fsr-3288	290	20	7	7	NUM
fsr-3288	290	21	.	.	NOUN
fsr-3288	290	22	8	8	NUM
fsr-3288	290	23	n	n	DET
fsr-3288	290	24	ei	ei	X
fsr-3288	290	25	th	th	X
fsr-3288	290	26	er	er	INTJ
fsr-3288	290	27	20	20	NUM
fsr-3288	290	28	07	07	NUM
fsr-3288	290	29	no	no	DET
fsr-3288	290	30	r	r	NOUN
fsr-3288	290	31	20	20	NUM
fsr-3288	290	32	09	09	NUM
fsr-3288	290	33	3	3	NUM
fsr-3288	290	34	,	,	PUNCT
fsr-3288	290	35	10	10	NUM
fsr-3288	290	36	6	6	NUM
fsr-3288	290	37	85	85	NUM
fsr-3288	290	38	.6	.6	NUM
fsr-3288	290	39	2	2	NUM
fsr-3288	290	40	,	,	PUNCT
fsr-3288	290	41	26	26	NUM
fsr-3288	290	42	6	6	NUM
fsr-3288	290	43	67	67	NUM
fsr-3288	290	44	.4	.4	NUM
fsr-3288	290	45	2	2	NUM
fsr-3288	290	46	,	,	PUNCT
fsr-3288	290	47	91	91	NUM
fsr-3288	290	48	8	8	NUM
fsr-3288	290	49	80	80	NUM
fsr-3288	290	50	.6	.6	NUM
fsr-3288	290	51	2	2	NUM
fsr-3288	290	52	,	,	PUNCT
fsr-3288	290	53	12	12	NUM
fsr-3288	290	54	4	4	NUM
fsr-3288	290	55	63	63	NUM
fsr-3288	290	56	.4	.4	NUM
fsr-3288	290	57	n	n	INTJ
fsr-3288	290	58	ei	ei	X
fsr-3288	290	59	th	th	X
fsr-3288	290	60	er	er	INTJ
fsr-3288	290	61	20	20	NUM
fsr-3288	290	62	10	10	NUM
fsr-3288	290	63	no	no	DET
fsr-3288	290	64	r	r	NOUN
fsr-3288	290	65	20	20	NUM
fsr-3288	290	66	12	12	NUM
fsr-3288	290	67	4	4	NUM
fsr-3288	290	68	,	,	PUNCT
fsr-3288	290	69	83	83	NUM
fsr-3288	290	70	2	2	NUM
fsr-3288	290	71	67	67	NUM
fsr-3288	290	72	.5	.5	NUM
fsr-3288	291	1	t	t	INTJ
fsr-3288	291	2	ot	ot	NOUN
fsr-3288	291	3	al	al	PROPN
fsr-3288	291	4	3	3	NUM
fsr-3288	291	5	,	,	PUNCT
fsr-3288	291	6	85	85	NUM
fsr-3288	291	7	7	7	NUM
fsr-3288	291	8	10	10	NUM
fsr-3288	291	9	0	0	NUM
fsr-3288	291	10	3	3	NUM
fsr-3288	291	11	,	,	PUNCT
fsr-3288	291	12	85	85	NUM
fsr-3288	291	13	7	7	NUM
fsr-3288	291	14	10	10	NUM
fsr-3288	291	15	0	0	NUM
fsr-3288	291	16	3	3	NUM
fsr-3288	291	17	,	,	PUNCT
fsr-3288	291	18	85	85	NUM
fsr-3288	291	19	7	7	NUM
fsr-3288	291	20	10	10	NUM
fsr-3288	291	21	0	0	NUM
fsr-3288	291	22	3	3	NUM
fsr-3288	291	23	,	,	PUNCT
fsr-3288	291	24	85	85	NUM
fsr-3288	291	25	7	7	NUM
fsr-3288	291	26	10	10	NUM
fsr-3288	291	27	0	0	NUM
fsr-3288	291	28	t	t	NOUN
fsr-3288	291	29	ot	ot	NOUN
fsr-3288	291	30	al	al	PROPN
fsr-3288	291	31	6	6	NUM
fsr-3288	291	32	,	,	PUNCT
fsr-3288	291	33	71	71	NUM
fsr-3288	291	34	7	7	NUM
fsr-3288	291	35	10	10	NUM
fsr-3288	291	36	0	0	NUM
fsr-3288	291	37	n	n	PRON
fsr-3288	291	38	ot	ot	NOUN
fsr-3288	291	39	es	es	X
fsr-3288	291	40	:	:	PUNCT
fsr-3288	291	41	sa	sa	NOUN
fsr-3288	291	42	m	m	VERB
fsr-3288	291	43	pl	pl	PROPN
fsr-3288	291	44	e	e	X
fsr-3288	291	45	si	si	PROPN
fsr-3288	291	46	ze	ze	PROPN
fsr-3288	291	47	re	re	AUX
fsr-3288	291	48	fle	fle	PROPN
fsr-3288	291	49	ct	ct	PROPN
fsr-3288	291	50	s	s	PROPN
fsr-3288	291	51	th	th	X
fsr-3288	291	52	e	e	X
fsr-3288	291	53	ac	ac	PROPN
fsr-3288	291	54	tu	tu	PROPN
fsr-3288	291	55	al	al	PROPN
fsr-3288	291	56	(	(	PUNCT
fsr-3288	291	57	t	t	PROPN
fsr-3288	291	58	ha	ha	INTJ
fsr-3288	291	59	t	t	PROPN
fsr-3288	291	60	is	be	AUX
fsr-3288	291	61	,	,	PUNCT
fsr-3288	291	62	un	un	PROPN
fsr-3288	291	63	w	w	PROPN
fsr-3288	291	64	ei	ei	PROPN
fsr-3288	291	65	gh	gh	PROPN
fsr-3288	291	66	te	te	PROPN
fsr-3288	291	67	d	d	PROPN
fsr-3288	291	68	)	)	PUNCT
fsr-3288	292	1	nu	nu	INTJ
fsr-3288	292	2	m	m	AUX
fsr-3288	292	3	be	be	VERB
fsr-3288	292	4	r	r	NOUN
fsr-3288	292	5	of	of	ADP
fsr-3288	292	6	ob	ob	X
fsr-3288	292	7	se	se	PROPN
fsr-3288	292	8	rv	rv	PROPN
fsr-3288	292	9	at	at	ADP
fsr-3288	292	10	io	io	PROPN
fsr-3288	292	11	ns	ns	INTJ
fsr-3288	292	12	an	an	DET
fsr-3288	292	13	d	d	NOUN
fsr-3288	292	14	pr	pr	NOUN
fsr-3288	292	15	op	op	NOUN
fsr-3288	292	16	or	or	CCONJ
fsr-3288	292	17	tio	tio	VERB
fsr-3288	292	18	ns	ns	NUM
fsr-3288	292	19	ar	ar	PROPN
fsr-3288	292	20	e	e	PROPN
fsr-3288	292	21	w	w	PROPN
fsr-3288	292	22	ei	ei	X
fsr-3288	292	23	gh	gh	PROPN
fsr-3288	292	24	te	te	PROPN
fsr-3288	292	25	d	d	X
fsr-3288	292	26	to	to	PART
fsr-3288	292	27	be	be	AUX
fsr-3288	292	28	na	na	PART
fsr-3288	292	29	tio	tio	VERB
fsr-3288	292	30	na	na	X
fsr-3288	292	31	lly	lly	ADV
fsr-3288	292	32	re	re	AUX
fsr-3288	292	33	pr	pr	VERB
fsr-3288	292	34	es	es	VERB
fsr-3288	292	35	en	en	X
fsr-3288	292	36	ta	ta	X
fsr-3288	292	37	tiv	tiv	PROPN
fsr-3288	292	38	e.	e.	PROPN
fsr-3288	292	39	440	440	PROPN
fsr-3288	292	40	s.j	s.j	PROPN
fsr-3288	292	41	.	.	PROPN
fsr-3288	293	1	heckman	heckman	PROPN
fsr-3288	293	2	et	et	PROPN
fsr-3288	293	3	al	al	PROPN
fsr-3288	293	4	.	.	PUNCT
fsr-3288	293	5	/	/	SYM
fsr-3288	293	6	financial	financial	ADJ
fsr-3288	293	7	services	service	NOUN
fsr-3288	293	8	review	review	VERB
fsr-3288	293	9	25	25	NUM
fsr-3288	293	10	(	(	PUNCT
fsr-3288	293	11	2016	2016	NUM
fsr-3288	293	12	)	)	PUNCT
fsr-3288	293	13	427–446	427–446	NOUN
fsr-3288	293	14	found	find	VERB
fsr-3288	293	15	to	to	PART
fsr-3288	293	16	vary	vary	VERB
fsr-3288	293	17	by	by	ADP
fsr-3288	293	18	advisor	advisor	NOUN
fsr-3288	293	19	,	,	PUNCT
fsr-3288	293	20	this	this	DET
fsr-3288	293	21	report	report	NOUN
fsr-3288	293	22	would	would	AUX
fsr-3288	293	23	indicate	indicate	VERB
fsr-3288	293	24	the	the	DET
fsr-3288	293	25	tremendous	tremendous	ADJ
fsr-3288	293	26	volatility	volatility	NOUN
fsr-3288	293	27	in	in	ADP
fsr-3288	293	28	households	household	NOUN
fsr-3288	293	29	reporting	report	VERB
fsr-3288	293	30	the	the	DET
fsr-3288	293	31	use	use	NOUN
fsr-3288	293	32	of	of	ADP
fsr-3288	293	33	a	a	DET
fsr-3288	293	34	financial	financial	ADJ
fsr-3288	293	35	planner	planner	NOUN
fsr-3288	293	36	,	,	PUNCT
fsr-3288	293	37	and	and	CCONJ
fsr-3288	293	38	more	more	ADV
fsr-3288	293	39	specifically	specifically	ADV
fsr-3288	293	40	the	the	DET
fsr-3288	293	41	large	large	ADJ
fsr-3288	293	42	exit	exit	NOUN
fsr-3288	293	43	from	from	ADP
fsr-3288	293	44	the	the	DET
fsr-3288	293	45	financial	financial	ADJ
fsr-3288	293	46	advisory	advisory	ADJ
fsr-3288	293	47	market	market	NOUN
fsr-3288	293	48	,	,	PUNCT
fsr-3288	293	49	observed	observe	VERB
fsr-3288	293	50	in	in	ADP
fsr-3288	293	51	the	the	DET
fsr-3288	293	52	ahead	ahead	ADV
fsr-3288	293	53	,	,	PUNCT
fsr-3288	293	54	nlsy79	nlsy79	ADJ
fsr-3288	293	55	,	,	PUNCT
fsr-3288	293	56	and	and	CCONJ
fsr-3288	293	57	scf	scf	PROPN
fsr-3288	293	58	datasets	dataset	NOUN
fsr-3288	293	59	exceeds	exceed	VERB
fsr-3288	293	60	reasonable	reasonable	ADJ
fsr-3288	293	61	expectations	expectation	NOUN
fsr-3288	293	62	.	.	PUNCT
fsr-3288	294	1	it	it	PRON
fsr-3288	294	2	is	be	AUX
fsr-3288	294	3	important	important	ADJ
fsr-3288	294	4	to	to	PART
fsr-3288	294	5	note	note	VERB
fsr-3288	294	6	that	that	SCONJ
fsr-3288	294	7	none	none	NOUN
fsr-3288	294	8	of	of	ADP
fsr-3288	294	9	the	the	DET
fsr-3288	294	10	measures	measure	NOUN
fsr-3288	294	11	would	would	AUX
fsr-3288	294	12	detect	detect	VERB
fsr-3288	294	13	individuals	individual	NOUN
fsr-3288	294	14	that	that	PRON
fsr-3288	294	15	changed	change	VERB
fsr-3288	294	16	planners	planner	NOUN
fsr-3288	294	17	,	,	PUNCT
fsr-3288	294	18	transitions	transition	NOUN
fsr-3288	294	19	that	that	PRON
fsr-3288	294	20	would	would	AUX
fsr-3288	294	21	serve	serve	VERB
fsr-3288	294	22	to	to	PART
fsr-3288	294	23	decrease	decrease	VERB
fsr-3288	294	24	retention	retention	NOUN
fsr-3288	294	25	rates	rate	NOUN
fsr-3288	294	26	reported	report	VERB
fsr-3288	294	27	by	by	ADP
fsr-3288	294	28	pricemetrix	pricemetrix	NOUN
fsr-3288	294	29	(	(	PUNCT
fsr-3288	294	30	2013	2013	NUM
fsr-3288	294	31	)	)	PUNCT
fsr-3288	294	32	,	,	PUNCT
fsr-3288	294	33	but	but	CCONJ
fsr-3288	294	34	rather	rather	ADV
fsr-3288	294	35	those	those	PRON
fsr-3288	294	36	that	that	PRON
fsr-3288	294	37	no	no	ADV
fsr-3288	294	38	longer	long	ADV
fsr-3288	294	39	consulted	consult	VERB
fsr-3288	294	40	any	any	DET
fsr-3288	294	41	planner	planner	NOUN
fsr-3288	294	42	.	.	PUNCT
fsr-3288	295	1	consequently	consequently	ADV
fsr-3288	295	2	,	,	PUNCT
fsr-3288	295	3	it	it	PRON
fsr-3288	295	4	would	would	AUX
fsr-3288	295	5	appear	appear	VERB
fsr-3288	295	6	these	these	DET
fsr-3288	295	7	measures	measure	NOUN
fsr-3288	295	8	may	may	AUX
fsr-3288	295	9	not	not	PART
fsr-3288	295	10	be	be	AUX
fsr-3288	295	11	validly	validly	ADV
fsr-3288	295	12	representing	represent	VERB
fsr-3288	295	13	planner	planner	NOUN
fsr-3288	295	14	use	use	NOUN
fsr-3288	295	15	over	over	ADP
fsr-3288	295	16	time	time	NOUN
fsr-3288	295	17	.	.	PUNCT
fsr-3288	296	1	this	this	DET
fsr-3288	296	2	measurement	measurement	NOUN
fsr-3288	296	3	error	error	NOUN
fsr-3288	296	4	may	may	AUX
fsr-3288	296	5	be	be	AUX
fsr-3288	296	6	because	because	SCONJ
fsr-3288	296	7	of	of	ADP
fsr-3288	296	8	inconsistent	inconsistent	ADJ
fsr-3288	296	9	definitions	definition	NOUN
fsr-3288	296	10	of	of	ADP
fsr-3288	296	11	financial	financial	ADJ
fsr-3288	296	12	planning	planning	NOUN
fsr-3288	296	13	among	among	ADP
fsr-3288	296	14	the	the	DET
fsr-3288	296	15	general	general	ADJ
fsr-3288	296	16	populace	populace	NOUN
fsr-3288	296	17	and/or	and/or	CCONJ
fsr-3288	296	18	the	the	DET
fsr-3288	296	19	vagueness	vagueness	NOUN
fsr-3288	296	20	of	of	ADP
fsr-3288	296	21	the	the	DET
fsr-3288	296	22	questions	question	NOUN
fsr-3288	296	23	in	in	ADP
fsr-3288	296	24	addressing	address	VERB
fsr-3288	296	25	the	the	DET
fsr-3288	296	26	extent	extent	NOUN
fsr-3288	296	27	of	of	ADP
fsr-3288	296	28	a	a	DET
fsr-3288	296	29	financial	financial	ADJ
fsr-3288	296	30	planning	planning	NOUN
fsr-3288	296	31	engagement	engagement	NOUN
fsr-3288	296	32	(	(	PUNCT
fsr-3288	296	33	e.g.	e.g.	ADV
fsr-3288	296	34	,	,	PUNCT
fsr-3288	296	35	regular	regular	ADJ
fsr-3288	296	36	or	or	CCONJ
fsr-3288	296	37	sporadic	sporadic	ADJ
fsr-3288	296	38	one	one	NUM
fsr-3288	296	39	-	-	PUNCT
fsr-3288	296	40	on	on	ADP
fsr-3288	296	41	-	-	PUNCT
fsr-3288	296	42	one	one	NUM
fsr-3288	296	43	consulting	consulting	NOUN
fsr-3288	296	44	,	,	PUNCT
fsr-3288	296	45	attending	attend	VERB
fsr-3288	296	46	a	a	DET
fsr-3288	296	47	seminar	seminar	NOUN
fsr-3288	296	48	,	,	PUNCT
fsr-3288	296	49	etc	etc	X
fsr-3288	296	50	.	.	X
fsr-3288	296	51	)	)	PUNCT
fsr-3288	296	52	.	.	PUNCT
fsr-3288	297	1	another	another	DET
fsr-3288	297	2	challenging	challenging	ADJ
fsr-3288	297	3	aspect	aspect	NOUN
fsr-3288	297	4	of	of	ADP
fsr-3288	297	5	the	the	DET
fsr-3288	297	6	nlsy79	nlsy79	ADJ
fsr-3288	297	7	question	question	NOUN
fsr-3288	297	8	is	be	AUX
fsr-3288	297	9	that	that	SCONJ
fsr-3288	297	10	it	it	PRON
fsr-3288	297	11	asks	ask	VERB
fsr-3288	297	12	about	about	ADP
fsr-3288	297	13	historical	historical	ADJ
fsr-3288	297	14	use	use	NOUN
fsr-3288	297	15	of	of	ADP
fsr-3288	297	16	a	a	DET
fsr-3288	297	17	financial	financial	ADJ
fsr-3288	297	18	planner	planner	NOUN
fsr-3288	297	19	and	and	CCONJ
fsr-3288	297	20	not	not	PART
fsr-3288	297	21	whether	whether	SCONJ
fsr-3288	297	22	the	the	DET
fsr-3288	297	23	respondent	respondent	NOUN
fsr-3288	297	24	is	be	AUX
fsr-3288	297	25	currently	currently	ADV
fsr-3288	297	26	engaged	engage	VERB
fsr-3288	297	27	with	with	ADP
fsr-3288	297	28	a	a	DET
fsr-3288	297	29	planner	planner	NOUN
fsr-3288	297	30	.	.	PUNCT
fsr-3288	298	1	notably	notably	ADV
fsr-3288	298	2	,	,	PUNCT
fsr-3288	298	3	the	the	DET
fsr-3288	298	4	inconsistency	inconsistency	NOUN
fsr-3288	298	5	in	in	ADP
fsr-3288	298	6	the	the	DET
fsr-3288	298	7	scf	scf	PROPN
fsr-3288	298	8	’s	’s	PART
fsr-3288	298	9	measure	measure	NOUN
fsr-3288	298	10	of	of	ADP
fsr-3288	298	11	planner	planner	NOUN
fsr-3288	298	12	use	use	NOUN
fsr-3288	298	13	was	be	AUX
fsr-3288	298	14	only	only	ADV
fsr-3288	298	15	detectable	detectable	ADJ
fsr-3288	298	16	because	because	SCONJ
fsr-3288	298	17	of	of	ADP
fsr-3288	298	18	the	the	DET
fsr-3288	298	19	limited	limited	ADJ
fsr-3288	298	20	availability	availability	NOUN
fsr-3288	298	21	of	of	ADP
fsr-3288	298	22	panel	panel	NOUN
fsr-3288	298	23	data	datum	NOUN
fsr-3288	298	24	in	in	ADP
fsr-3288	298	25	the	the	DET
fsr-3288	298	26	scf	scf	PROPN
fsr-3288	298	27	;	;	PUNCT
fsr-3288	298	28	usage	usage	NOUN
fsr-3288	298	29	rates	rate	NOUN
fsr-3288	298	30	from	from	ADP
fsr-3288	298	31	period	period	NOUN
fsr-3288	298	32	-	-	PUNCT
fsr-3288	298	33	to	to	ADP
fsr-3288	298	34	-	-	PUNCT
fsr-3288	298	35	period	period	NOUN
fsr-3288	298	36	look	look	VERB
fsr-3288	298	37	consistent	consistent	ADJ
fsr-3288	298	38	when	when	SCONJ
fsr-3288	298	39	examining	examine	VERB
fsr-3288	298	40	the	the	DET
fsr-3288	298	41	cross	cross	NOUN
fsr-3288	298	42	sectional	sectional	PROPN
fsr-3288	298	43	scf	scf	PROPN
fsr-3288	298	44	data	datum	NOUN
fsr-3288	298	45	but	but	CCONJ
fsr-3288	298	46	the	the	DET
fsr-3288	298	47	follow	follow	NOUN
fsr-3288	298	48	up	up	ADP
fsr-3288	298	49	survey	survey	NOUN
fsr-3288	298	50	on	on	ADP
fsr-3288	298	51	the	the	DET
fsr-3288	298	52	same	same	ADJ
fsr-3288	298	53	respondents	respondent	NOUN
fsr-3288	298	54	reveals	reveal	VERB
fsr-3288	298	55	poor	poor	ADJ
fsr-3288	298	56	representation	representation	NOUN
fsr-3288	298	57	of	of	ADP
fsr-3288	298	58	planner	planner	NOUN
fsr-3288	298	59	use	use	NOUN
fsr-3288	298	60	.	.	PUNCT
fsr-3288	299	1	5	5	X
fsr-3288	299	2	.	.	X
fsr-3288	299	3	discussion	discussion	NOUN
fsr-3288	299	4	and	and	CCONJ
fsr-3288	299	5	implications	implication	NOUN
fsr-3288	299	6	this	this	DET
fsr-3288	299	7	article	article	NOUN
fsr-3288	299	8	evaluates	evaluate	VERB
fsr-3288	299	9	the	the	DET
fsr-3288	299	10	content	content	ADJ
fsr-3288	299	11	validity	validity	NOUN
fsr-3288	299	12	of	of	ADP
fsr-3288	299	13	measures	measure	NOUN
fsr-3288	299	14	of	of	ADP
fsr-3288	299	15	financial	financial	ADJ
fsr-3288	299	16	planner	planner	NOUN
fsr-3288	299	17	use	use	NOUN
fsr-3288	299	18	in	in	ADP
fsr-3288	299	19	publically	publically	ADV
fsr-3288	299	20	available	available	ADJ
fsr-3288	299	21	datasets	dataset	NOUN
fsr-3288	299	22	employed	employ	VERB
fsr-3288	299	23	by	by	ADP
fsr-3288	299	24	the	the	DET
fsr-3288	299	25	literature	literature	NOUN
fsr-3288	299	26	.	.	PUNCT
fsr-3288	300	1	a	a	DET
fsr-3288	300	2	three	three	NUM
fsr-3288	300	3	-	-	PUNCT
fsr-3288	300	4	year	year	NOUN
fsr-3288	300	5	review	review	NOUN
fsr-3288	300	6	of	of	ADP
fsr-3288	300	7	financial	financial	ADJ
fsr-3288	300	8	services	service	NOUN
fsr-3288	300	9	review	review	NOUN
fsr-3288	300	10	,	,	PUNCT
fsr-3288	300	11	journal	journal	NOUN
fsr-3288	300	12	of	of	ADP
fsr-3288	300	13	personal	personal	ADJ
fsr-3288	300	14	finance	finance	NOUN
fsr-3288	300	15	,	,	PUNCT
fsr-3288	300	16	the	the	DET
fsr-3288	300	17	journal	journal	NOUN
fsr-3288	300	18	of	of	ADP
fsr-3288	300	19	financial	financial	ADJ
fsr-3288	300	20	planning	planning	NOUN
fsr-3288	300	21	,	,	PUNCT
fsr-3288	300	22	journal	journal	NOUN
fsr-3288	300	23	of	of	ADP
fsr-3288	300	24	family	family	NOUN
fsr-3288	300	25	and	and	CCONJ
fsr-3288	300	26	economic	economic	ADJ
fsr-3288	300	27	issues	issue	NOUN
fsr-3288	300	28	,	,	PUNCT
fsr-3288	300	29	journal	journal	NOUN
fsr-3288	300	30	of	of	ADP
fsr-3288	300	31	consumer	consumer	NOUN
fsr-3288	300	32	affairs	affair	NOUN
fsr-3288	300	33	,	,	PUNCT
fsr-3288	300	34	and	and	CCONJ
fsr-3288	300	35	journal	journal	NOUN
fsr-3288	300	36	of	of	ADP
fsr-3288	300	37	financial	financial	ADJ
fsr-3288	300	38	counseling	counseling	NOUN
fsr-3288	300	39	and	and	CCONJ
fsr-3288	300	40	planning	planning	NOUN
fsr-3288	300	41	identified	identify	VERB
fsr-3288	300	42	seven	seven	NUM
fsr-3288	300	43	datasets	dataset	NOUN
fsr-3288	300	44	that	that	PRON
fsr-3288	300	45	warranted	warrant	VERB
fsr-3288	300	46	further	further	ADJ
fsr-3288	300	47	investigation	investigation	NOUN
fsr-3288	300	48	.	.	PUNCT
fsr-3288	301	1	of	of	ADP
fsr-3288	301	2	these	these	DET
fsr-3288	301	3	datasets	dataset	NOUN
fsr-3288	301	4	,	,	PUNCT
fsr-3288	301	5	the	the	DET
fsr-3288	301	6	scf	scf	PROPN
fsr-3288	301	7	and	and	CCONJ
fsr-3288	301	8	nlsy79	nlsy79	NOUN
fsr-3288	301	9	were	be	AUX
fsr-3288	301	10	found	find	VERB
fsr-3288	301	11	to	to	PART
fsr-3288	301	12	have	have	VERB
fsr-3288	301	13	the	the	DET
fsr-3288	301	14	most	most	ADV
fsr-3288	301	15	promising	promising	ADJ
fsr-3288	301	16	measures	measure	NOUN
fsr-3288	301	17	.	.	PUNCT
fsr-3288	302	1	when	when	SCONJ
fsr-3288	302	2	evaluated	evaluate	VERB
fsr-3288	302	3	within	within	ADP
fsr-3288	302	4	the	the	DET
fsr-3288	302	5	cfp	cfp	PROPN
fsr-3288	302	6	board	board	PROPN
fsr-3288	302	7	’s	’s	PART
fsr-3288	302	8	definition	definition	NOUN
fsr-3288	302	9	of	of	ADP
fsr-3288	302	10	financial	financial	ADJ
fsr-3288	302	11	planning	planning	NOUN
fsr-3288	302	12	,	,	PUNCT
fsr-3288	302	13	significant	significant	ADJ
fsr-3288	302	14	validity	validity	NOUN
fsr-3288	302	15	concerns	concern	NOUN
fsr-3288	302	16	are	be	AUX
fsr-3288	302	17	noted	note	VERB
fsr-3288	302	18	in	in	ADP
fsr-3288	302	19	fig	fig	NOUN
fsr-3288	302	20	.	.	PUNCT
fsr-3288	303	1	1	1	X
fsr-3288	303	2	.	.	X
fsr-3288	303	3	percentage	percentage	NOUN
fsr-3288	303	4	of	of	ADP
fsr-3288	303	5	respondents	respondent	NOUN
fsr-3288	303	6	who	who	PRON
fsr-3288	303	7	report	report	VERB
fsr-3288	303	8	adopting	adopt	VERB
fsr-3288	303	9	or	or	CCONJ
fsr-3288	303	10	dropping	drop	VERB
fsr-3288	303	11	financial	financial	ADJ
fsr-3288	303	12	planning	planning	NOUN
fsr-3288	303	13	services	service	NOUN
fsr-3288	303	14	between	between	ADP
fsr-3288	303	15	periods	period	NOUN
fsr-3288	303	16	.	.	PUNCT
fsr-3288	304	1	441s.j	441s.j	NOUN
fsr-3288	304	2	.	.	PUNCT
fsr-3288	305	1	heckman	heckman	PROPN
fsr-3288	305	2	et	et	PROPN
fsr-3288	305	3	al	al	PROPN
fsr-3288	305	4	.	.	PUNCT
fsr-3288	305	5	/	/	SYM
fsr-3288	305	6	financial	financial	ADJ
fsr-3288	305	7	services	service	NOUN
fsr-3288	305	8	review	review	VERB
fsr-3288	305	9	25	25	NUM
fsr-3288	305	10	(	(	PUNCT
fsr-3288	305	11	2016	2016	NUM
fsr-3288	305	12	)	)	PUNCT
fsr-3288	305	13	427–446	427–446	NUM
fsr-3288	305	14	both	both	DET
fsr-3288	305	15	measures	measure	NOUN
fsr-3288	305	16	.	.	PUNCT
fsr-3288	306	1	specifically	specifically	ADV
fsr-3288	306	2	,	,	PUNCT
fsr-3288	306	3	each	each	PRON
fsr-3288	306	4	fails	fail	VERB
fsr-3288	306	5	to	to	PART
fsr-3288	306	6	assess	assess	VERB
fsr-3288	306	7	the	the	DET
fsr-3288	306	8	comprehensiveness	comprehensiveness	NOUN
fsr-3288	306	9	of	of	ADP
fsr-3288	306	10	data	datum	NOUN
fsr-3288	306	11	collection	collection	NOUN
fsr-3288	306	12	,	,	PUNCT
fsr-3288	306	13	the	the	DET
fsr-3288	306	14	breadth	breadth	NOUN
fsr-3288	306	15	and	and	CCONJ
fsr-3288	306	16	depth	depth	NOUN
fsr-3288	306	17	of	of	ADP
fsr-3288	306	18	planning	planning	NOUN
fsr-3288	306	19	recommendations	recommendation	NOUN
fsr-3288	306	20	,	,	PUNCT
fsr-3288	306	21	the	the	DET
fsr-3288	306	22	focus	focus	NOUN
fsr-3288	306	23	on	on	ADP
fsr-3288	306	24	the	the	DET
fsr-3288	306	25	achievement	achievement	NOUN
fsr-3288	306	26	of	of	ADP
fsr-3288	306	27	life	life	NOUN
fsr-3288	306	28	goals	goal	NOUN
fsr-3288	306	29	,	,	PUNCT
fsr-3288	306	30	and	and	CCONJ
fsr-3288	306	31	the	the	DET
fsr-3288	306	32	comprehensiveness	comprehensiveness	NOUN
fsr-3288	306	33	of	of	ADP
fsr-3288	306	34	financial	financial	ADJ
fsr-3288	306	35	planning	planning	NOUN
fsr-3288	306	36	subject	subject	NOUN
fsr-3288	306	37	areas	area	NOUN
fsr-3288	306	38	addressed	address	VERB
fsr-3288	306	39	.	.	PUNCT
fsr-3288	307	1	further	far	ADV
fsr-3288	307	2	,	,	PUNCT
fsr-3288	307	3	an	an	DET
fsr-3288	307	4	investigation	investigation	NOUN
fsr-3288	307	5	of	of	ADP
fsr-3288	307	6	household	household	NOUN
fsr-3288	307	7	responses	response	NOUN
fsr-3288	307	8	over	over	ADP
fsr-3288	307	9	time	time	NOUN
fsr-3288	307	10	raises	raise	VERB
fsr-3288	307	11	additional	additional	ADJ
fsr-3288	307	12	concerns	concern	NOUN
fsr-3288	307	13	.	.	PUNCT
fsr-3288	308	1	significant	significant	ADJ
fsr-3288	308	2	variation	variation	NOUN
fsr-3288	308	3	in	in	ADP
fsr-3288	308	4	household	household	NOUN
fsr-3288	308	5	’s	’s	PART
fsr-3288	308	6	responses	response	NOUN
fsr-3288	308	7	that	that	PRON
fsr-3288	308	8	exceed	exceed	VERB
fsr-3288	308	9	behavioral	behavioral	ADJ
fsr-3288	308	10	expectations	expectation	NOUN
fsr-3288	308	11	suggests	suggest	VERB
fsr-3288	308	12	that	that	SCONJ
fsr-3288	308	13	sizable	sizable	ADJ
fsr-3288	308	14	measurement	measurement	NOUN
fsr-3288	308	15	error	error	NOUN
fsr-3288	308	16	is	be	AUX
fsr-3288	308	17	present	present	ADJ
fsr-3288	308	18	.	.	PUNCT
fsr-3288	309	1	the	the	DET
fsr-3288	309	2	results	result	NOUN
fsr-3288	309	3	indicate	indicate	VERB
fsr-3288	309	4	that	that	SCONJ
fsr-3288	309	5	existing	exist	VERB
fsr-3288	309	6	financial	financial	ADJ
fsr-3288	309	7	planner	planner	NOUN
fsr-3288	309	8	use	use	NOUN
fsr-3288	309	9	measures	measure	NOUN
fsr-3288	309	10	are	be	AUX
fsr-3288	309	11	insufficient	insufficient	ADJ
fsr-3288	309	12	and	and	CCONJ
fsr-3288	309	13	do	do	AUX
fsr-3288	309	14	not	not	PART
fsr-3288	309	15	allow	allow	VERB
fsr-3288	309	16	researchers	researcher	NOUN
fsr-3288	309	17	to	to	PART
fsr-3288	309	18	capture	capture	VERB
fsr-3288	309	19	the	the	DET
fsr-3288	309	20	diversity	diversity	NOUN
fsr-3288	309	21	and	and	CCONJ
fsr-3288	309	22	complexity	complexity	NOUN
fsr-3288	309	23	of	of	ADP
fsr-3288	309	24	financial	financial	ADJ
fsr-3288	309	25	planning	planning	NOUN
fsr-3288	309	26	engagements	engagement	NOUN
fsr-3288	309	27	.	.	PUNCT
fsr-3288	310	1	given	give	VERB
fsr-3288	310	2	these	these	DET
fsr-3288	310	3	results	result	NOUN
fsr-3288	310	4	,	,	PUNCT
fsr-3288	310	5	better	well	ADJ
fsr-3288	310	6	measures	measure	NOUN
fsr-3288	310	7	of	of	ADP
fsr-3288	310	8	financial	financial	ADJ
fsr-3288	310	9	planner	planner	NOUN
fsr-3288	310	10	use	use	NOUN
fsr-3288	310	11	are	be	AUX
fsr-3288	310	12	needed	need	VERB
fsr-3288	310	13	.	.	PUNCT
fsr-3288	311	1	a	a	DET
fsr-3288	311	2	single	single	ADJ
fsr-3288	311	3	question	question	NOUN
fsr-3288	311	4	is	be	AUX
fsr-3288	311	5	likely	likely	ADV
fsr-3288	311	6	insufficient	insufficient	ADJ
fsr-3288	311	7	to	to	PART
fsr-3288	311	8	adequately	adequately	ADV
fsr-3288	311	9	measure	measure	VERB
fsr-3288	311	10	financial	financial	ADJ
fsr-3288	311	11	planner	planner	NOUN
fsr-3288	311	12	use	use	NOUN
fsr-3288	311	13	given	give	VERB
fsr-3288	311	14	the	the	DET
fsr-3288	311	15	variety	variety	NOUN
fsr-3288	311	16	of	of	ADP
fsr-3288	311	17	forms	form	NOUN
fsr-3288	311	18	that	that	SCONJ
fsr-3288	311	19	financial	financial	ADJ
fsr-3288	311	20	planning	planning	NOUN
fsr-3288	311	21	may	may	AUX
fsr-3288	311	22	undertake	undertake	VERB
fsr-3288	311	23	.	.	PUNCT
fsr-3288	312	1	the	the	DET
fsr-3288	312	2	cfp	cfp	PROPN
fsr-3288	312	3	board	board	PROPN
fsr-3288	312	4	’s	’s	PART
fsr-3288	312	5	definition	definition	NOUN
fsr-3288	312	6	of	of	ADP
fsr-3288	312	7	financial	financial	ADJ
fsr-3288	312	8	planning	planning	NOUN
fsr-3288	312	9	provides	provide	VERB
fsr-3288	312	10	significant	significant	ADJ
fsr-3288	312	11	insight	insight	NOUN
fsr-3288	312	12	into	into	ADP
fsr-3288	312	13	the	the	DET
fsr-3288	312	14	type	type	NOUN
fsr-3288	312	15	of	of	ADP
fsr-3288	312	16	questions	question	NOUN
fsr-3288	312	17	that	that	PRON
fsr-3288	312	18	would	would	AUX
fsr-3288	312	19	be	be	AUX
fsr-3288	312	20	needed	need	VERB
fsr-3288	312	21	.	.	PUNCT
fsr-3288	313	1	specifically	specifically	ADV
fsr-3288	313	2	,	,	PUNCT
fsr-3288	313	3	we	we	PRON
fsr-3288	313	4	suggest	suggest	VERB
fsr-3288	313	5	that	that	SCONJ
fsr-3288	313	6	survey	survey	NOUN
fsr-3288	313	7	questions	question	NOUN
fsr-3288	313	8	be	be	AUX
fsr-3288	313	9	designed	design	VERB
fsr-3288	313	10	to	to	PART
fsr-3288	313	11	address	address	VERB
fsr-3288	313	12	each	each	DET
fsr-3288	313	13	aspect	aspect	NOUN
fsr-3288	313	14	of	of	ADP
fsr-3288	313	15	the	the	DET
fsr-3288	313	16	definitional	definitional	ADJ
fsr-3288	313	17	framework	framework	NOUN
fsr-3288	313	18	.	.	PUNCT
fsr-3288	314	1	recall	recall	VERB
fsr-3288	314	2	that	that	SCONJ
fsr-3288	314	3	the	the	DET
fsr-3288	314	4	cfp	cfp	PROPN
fsr-3288	314	5	board	board	PROPN
fsr-3288	314	6	defines	define	VERB
fsr-3288	314	7	financial	financial	ADJ
fsr-3288	314	8	planning	planning	NOUN
fsr-3288	314	9	as	as	ADP
fsr-3288	314	10	“	"	PUNCT
fsr-3288	314	11	the	the	DET
fsr-3288	314	12	process	process	NOUN
fsr-3288	314	13	of	of	ADP
fsr-3288	314	14	determining	determine	VERB
fsr-3288	314	15	whether	whether	SCONJ
fsr-3288	314	16	and	and	CCONJ
fsr-3288	314	17	how	how	SCONJ
fsr-3288	314	18	an	an	DET
fsr-3288	314	19	individual	individual	NOUN
fsr-3288	314	20	can	can	AUX
fsr-3288	314	21	meet	meet	VERB
fsr-3288	314	22	life	life	NOUN
fsr-3288	314	23	goals	goal	NOUN
fsr-3288	314	24	through	through	ADP
fsr-3288	314	25	the	the	DET
fsr-3288	314	26	proper	proper	ADJ
fsr-3288	314	27	management	management	NOUN
fsr-3288	314	28	of	of	ADP
fsr-3288	314	29	financial	financial	ADJ
fsr-3288	314	30	resources	resource	NOUN
fsr-3288	314	31	”	"	PUNCT
fsr-3288	314	32	(	(	PUNCT
fsr-3288	314	33	p.	p.	NOUN
fsr-3288	314	34	9	9	NUM
fsr-3288	314	35	)	)	PUNCT
fsr-3288	314	36	.	.	PUNCT
fsr-3288	315	1	additionally	additionally	ADV
fsr-3288	315	2	,	,	PUNCT
fsr-3288	315	3	there	there	PRON
fsr-3288	315	4	are	be	VERB
fsr-3288	315	5	other	other	ADJ
fsr-3288	315	6	factors	factor	NOUN
fsr-3288	315	7	that	that	PRON
fsr-3288	315	8	should	should	AUX
fsr-3288	315	9	be	be	AUX
fsr-3288	315	10	considered	consider	VERB
fsr-3288	315	11	in	in	ADP
fsr-3288	315	12	determining	determine	VERB
fsr-3288	315	13	whether	whether	SCONJ
fsr-3288	315	14	professional	professional	ADJ
fsr-3288	315	15	financial	financial	ADJ
fsr-3288	315	16	planning	planning	NOUN
fsr-3288	315	17	has	have	AUX
fsr-3288	315	18	occurred	occur	VERB
fsr-3288	315	19	,	,	PUNCT
fsr-3288	315	20	such	such	ADJ
fsr-3288	315	21	as	as	ADP
fsr-3288	315	22	client	client	NOUN
fsr-3288	315	23	perceptions	perception	NOUN
fsr-3288	315	24	of	of	ADP
fsr-3288	315	25	the	the	DET
fsr-3288	315	26	financial	financial	ADJ
fsr-3288	315	27	planning	planning	NOUN
fsr-3288	315	28	engagement	engagement	NOUN
fsr-3288	315	29	and	and	CCONJ
fsr-3288	315	30	the	the	DET
fsr-3288	315	31	breadth	breadth	NOUN
fsr-3288	315	32	and	and	CCONJ
fsr-3288	315	33	depth	depth	NOUN
fsr-3288	315	34	of	of	ADP
fsr-3288	315	35	financial	financial	ADJ
fsr-3288	315	36	planning	planning	NOUN
fsr-3288	315	37	subject	subject	NOUN
fsr-3288	315	38	areas	area	NOUN
fsr-3288	315	39	,	,	PUNCT
fsr-3288	315	40	data	data	NOUN
fsr-3288	315	41	collection	collection	NOUN
fsr-3288	315	42	,	,	PUNCT
fsr-3288	315	43	and	and	CCONJ
fsr-3288	315	44	recommendations	recommendation	NOUN
fsr-3288	315	45	(	(	PUNCT
fsr-3288	315	46	cfp	cfp	PROPN
fsr-3288	315	47	board	board	NOUN
fsr-3288	315	48	,	,	PUNCT
fsr-3288	315	49	2013	2013	NUM
fsr-3288	315	50	)	)	PUNCT
fsr-3288	315	51	.	.	PUNCT
fsr-3288	316	1	although	although	SCONJ
fsr-3288	316	2	primary	primary	ADJ
fsr-3288	316	3	data	datum	NOUN
fsr-3288	316	4	were	be	AUX
fsr-3288	316	5	not	not	PART
fsr-3288	316	6	directly	directly	ADV
fsr-3288	316	7	analyzed	analyze	VERB
fsr-3288	316	8	in	in	ADP
fsr-3288	316	9	the	the	DET
fsr-3288	316	10	current	current	ADJ
fsr-3288	316	11	study	study	NOUN
fsr-3288	316	12	,	,	PUNCT
fsr-3288	316	13	warschauer	warschauer	NOUN
fsr-3288	316	14	and	and	CCONJ
fsr-3288	316	15	sciglimpaglia	sciglimpaglia	NOUN
fsr-3288	316	16	(	(	PUNCT
fsr-3288	316	17	2012	2012	NUM
fsr-3288	316	18	)	)	PUNCT
fsr-3288	316	19	collected	collect	VERB
fsr-3288	316	20	the	the	DET
fsr-3288	316	21	most	most	ADV
fsr-3288	316	22	detailed	detailed	ADJ
fsr-3288	316	23	information	information	NOUN
fsr-3288	316	24	about	about	ADP
fsr-3288	316	25	financial	financial	ADJ
fsr-3288	316	26	planner	planner	NOUN
fsr-3288	316	27	use	use	NOUN
fsr-3288	316	28	to	to	ADP
fsr-3288	316	29	date	date	NOUN
fsr-3288	316	30	–	–	PUNCT
fsr-3288	316	31	their	their	PRON
fsr-3288	316	32	study	study	NOUN
fsr-3288	316	33	is	be	AUX
fsr-3288	316	34	a	a	DET
fsr-3288	316	35	useful	useful	ADJ
fsr-3288	316	36	source	source	NOUN
fsr-3288	316	37	of	of	ADP
fsr-3288	316	38	items	item	NOUN
fsr-3288	316	39	that	that	PRON
fsr-3288	316	40	may	may	AUX
fsr-3288	316	41	be	be	AUX
fsr-3288	316	42	adopted	adopt	VERB
fsr-3288	316	43	in	in	ADP
fsr-3288	316	44	the	the	DET
fsr-3288	316	45	future	future	NOUN
fsr-3288	316	46	.	.	PUNCT
fsr-3288	317	1	additionally	additionally	ADV
fsr-3288	317	2	,	,	PUNCT
fsr-3288	317	3	table	table	NOUN
fsr-3288	317	4	4	4	NUM
fsr-3288	317	5	provides	provide	VERB
fsr-3288	317	6	example	example	NOUN
fsr-3288	317	7	survey	survey	NOUN
fsr-3288	317	8	items	item	NOUN
fsr-3288	317	9	that	that	PRON
fsr-3288	317	10	may	may	AUX
fsr-3288	317	11	be	be	AUX
fsr-3288	317	12	used	use	VERB
fsr-3288	317	13	to	to	PART
fsr-3288	317	14	create	create	VERB
fsr-3288	317	15	a	a	DET
fsr-3288	317	16	more	more	ADV
fsr-3288	317	17	informative	informative	ADJ
fsr-3288	317	18	measure	measure	NOUN
fsr-3288	317	19	of	of	ADP
fsr-3288	317	20	financial	financial	ADJ
fsr-3288	317	21	planner	planner	NOUN
fsr-3288	317	22	use	use	NOUN
fsr-3288	317	23	.	.	PUNCT
fsr-3288	318	1	the	the	DET
fsr-3288	318	2	questions	question	NOUN
fsr-3288	318	3	are	be	AUX
fsr-3288	318	4	intended	intend	VERB
fsr-3288	318	5	as	as	ADP
fsr-3288	318	6	a	a	DET
fsr-3288	318	7	guide	guide	NOUN
fsr-3288	318	8	and	and	CCONJ
fsr-3288	318	9	have	have	AUX
fsr-3288	318	10	not	not	PART
fsr-3288	318	11	been	be	AUX
fsr-3288	318	12	tested	test	VERB
fsr-3288	318	13	for	for	ADP
fsr-3288	318	14	rigor	rigor	NOUN
fsr-3288	318	15	or	or	CCONJ
fsr-3288	318	16	validity	validity	NOUN
fsr-3288	318	17	.	.	PUNCT
fsr-3288	319	1	future	future	ADJ
fsr-3288	319	2	research	research	NOUN
fsr-3288	319	3	is	be	AUX
fsr-3288	319	4	needed	need	VERB
fsr-3288	319	5	to	to	PART
fsr-3288	319	6	develop	develop	VERB
fsr-3288	319	7	these	these	DET
fsr-3288	319	8	measures	measure	NOUN
fsr-3288	319	9	further	far	ADV
fsr-3288	319	10	.	.	PUNCT
fsr-3288	320	1	when	when	SCONJ
fsr-3288	320	2	measuring	measure	VERB
fsr-3288	320	3	financial	financial	ADJ
fsr-3288	320	4	planner	planner	NOUN
fsr-3288	320	5	use	use	NOUN
fsr-3288	320	6	,	,	PUNCT
fsr-3288	320	7	an	an	DET
fsr-3288	320	8	important	important	ADJ
fsr-3288	320	9	consideration	consideration	NOUN
fsr-3288	320	10	for	for	ADP
fsr-3288	320	11	researchers	researcher	NOUN
fsr-3288	320	12	is	be	AUX
fsr-3288	320	13	that	that	SCONJ
fsr-3288	320	14	perceptions	perception	NOUN
fsr-3288	320	15	regarding	regard	VERB
fsr-3288	320	16	the	the	DET
fsr-3288	320	17	financial	financial	ADJ
fsr-3288	320	18	planning	planning	NOUN
fsr-3288	320	19	process	process	NOUN
fsr-3288	320	20	(	(	PUNCT
fsr-3288	320	21	i.e.	i.e.	X
fsr-3288	320	22	,	,	PUNCT
fsr-3288	320	23	what	what	PRON
fsr-3288	320	24	is	be	AUX
fsr-3288	320	25	financial	financial	ADJ
fsr-3288	320	26	planning	planning	NOUN
fsr-3288	320	27	?	?	PUNCT
fsr-3288	320	28	)	)	PUNCT
fsr-3288	320	29	and	and	CCONJ
fsr-3288	320	30	financial	financial	ADJ
fsr-3288	320	31	planners	planner	NOUN
fsr-3288	320	32	(	(	PUNCT
fsr-3288	320	33	i.e.	i.e.	X
fsr-3288	320	34	,	,	PUNCT
fsr-3288	320	35	who	who	PRON
fsr-3288	320	36	is	be	AUX
fsr-3288	320	37	a	a	DET
fsr-3288	320	38	financial	financial	ADJ
fsr-3288	320	39	planner	planner	NOUN
fsr-3288	320	40	?	?	PUNCT
fsr-3288	320	41	)	)	PUNCT
fsr-3288	320	42	may	may	AUX
fsr-3288	320	43	vary	vary	VERB
fsr-3288	320	44	widely	widely	ADV
fsr-3288	320	45	among	among	ADP
fsr-3288	320	46	both	both	DET
fsr-3288	320	47	professionals	professional	NOUN
fsr-3288	320	48	and	and	CCONJ
fsr-3288	320	49	households	household	NOUN
fsr-3288	320	50	.	.	PUNCT
fsr-3288	321	1	for	for	ADP
fsr-3288	321	2	example	example	NOUN
fsr-3288	321	3	,	,	PUNCT
fsr-3288	321	4	some	some	DET
fsr-3288	321	5	professionals	professional	NOUN
fsr-3288	321	6	may	may	AUX
fsr-3288	321	7	use	use	VERB
fsr-3288	321	8	the	the	DET
fsr-3288	321	9	title	title	NOUN
fsr-3288	321	10	“	"	PUNCT
fsr-3288	321	11	financial	financial	ADJ
fsr-3288	321	12	planner	planner	NOUN
fsr-3288	321	13	”	"	PUNCT
fsr-3288	321	14	loosely	loosely	ADV
fsr-3288	321	15	and	and	CCONJ
fsr-3288	321	16	households	household	NOUN
fsr-3288	321	17	may	may	AUX
fsr-3288	321	18	see	see	VERB
fsr-3288	321	19	“	"	PUNCT
fsr-3288	321	20	financial	financial	ADJ
fsr-3288	321	21	planner	planner	NOUN
fsr-3288	321	22	”	"	PUNCT
fsr-3288	321	23	as	as	ADP
fsr-3288	321	24	a	a	DET
fsr-3288	321	25	synonym	synonym	NOUN
fsr-3288	321	26	for	for	ADP
fsr-3288	321	27	investment	investment	NOUN
fsr-3288	321	28	adviser	adviser	NOUN
fsr-3288	321	29	,	,	PUNCT
fsr-3288	321	30	stock	stock	NOUN
fsr-3288	321	31	broker	broker	NOUN
fsr-3288	321	32	,	,	PUNCT
fsr-3288	321	33	or	or	CCONJ
fsr-3288	321	34	banker	banker	NOUN
fsr-3288	321	35	.	.	PUNCT
fsr-3288	322	1	the	the	DET
fsr-3288	322	2	cfp	cfp	PROPN
fsr-3288	322	3	board	board	PROPN
fsr-3288	322	4	clearly	clearly	ADV
fsr-3288	322	5	indicates	indicate	VERB
fsr-3288	322	6	that	that	SCONJ
fsr-3288	322	7	not	not	PART
fsr-3288	322	8	all	all	DET
fsr-3288	322	9	client	client	NOUN
fsr-3288	322	10	engagements	engagement	NOUN
fsr-3288	322	11	should	should	AUX
fsr-3288	322	12	be	be	AUX
fsr-3288	322	13	considered	consider	VERB
fsr-3288	322	14	financial	financial	ADJ
fsr-3288	322	15	planning	planning	NOUN
fsr-3288	322	16	,	,	PUNCT
fsr-3288	322	17	even	even	ADV
fsr-3288	322	18	if	if	SCONJ
fsr-3288	322	19	a	a	DET
fsr-3288	322	20	client	client	NOUN
fsr-3288	322	21	works	work	VERB
fsr-3288	322	22	with	with	ADP
fsr-3288	322	23	a	a	DET
fsr-3288	322	24	professional	professional	NOUN
fsr-3288	322	25	who	who	PRON
fsr-3288	322	26	often	often	ADV
fsr-3288	322	27	operates	operate	VERB
fsr-3288	322	28	as	as	ADP
fsr-3288	322	29	a	a	DET
fsr-3288	322	30	financial	financial	ADJ
fsr-3288	322	31	planner	planner	NOUN
fsr-3288	322	32	.	.	PUNCT
fsr-3288	323	1	while	while	SCONJ
fsr-3288	323	2	there	there	PRON
fsr-3288	323	3	is	be	VERB
fsr-3288	323	4	some	some	DET
fsr-3288	323	5	merit	merit	NOUN
fsr-3288	323	6	to	to	ADP
fsr-3288	323	7	this	this	PRON
fsr-3288	323	8	,	,	PUNCT
fsr-3288	323	9	we	we	PRON
fsr-3288	323	10	believe	believe	VERB
fsr-3288	323	11	it	it	PRON
fsr-3288	323	12	is	be	AUX
fsr-3288	323	13	important	important	ADJ
fsr-3288	323	14	to	to	PART
fsr-3288	323	15	gather	gather	VERB
fsr-3288	323	16	information	information	NOUN
fsr-3288	323	17	about	about	ADP
fsr-3288	323	18	all	all	DET
fsr-3288	323	19	financial	financial	ADJ
fsr-3288	323	20	planning	planning	NOUN
fsr-3288	323	21	activities	activity	NOUN
fsr-3288	323	22	to	to	PART
fsr-3288	323	23	properly	properly	ADV
fsr-3288	323	24	measure	measure	VERB
fsr-3288	323	25	and	and	CCONJ
fsr-3288	323	26	understand	understand	VERB
fsr-3288	323	27	the	the	DET
fsr-3288	323	28	types	type	NOUN
fsr-3288	323	29	of	of	ADP
fsr-3288	323	30	help	help	NOUN
fsr-3288	323	31	consumers	consumer	NOUN
fsr-3288	323	32	demand	demand	VERB
fsr-3288	323	33	.	.	PUNCT
fsr-3288	324	1	while	while	SCONJ
fsr-3288	324	2	someone	someone	PRON
fsr-3288	324	3	may	may	AUX
fsr-3288	324	4	not	not	PART
fsr-3288	324	5	receive	receive	VERB
fsr-3288	324	6	comprehensive	comprehensive	ADJ
fsr-3288	324	7	financial	financial	ADJ
fsr-3288	324	8	planning	planning	NOUN
fsr-3288	324	9	help	help	NOUN
fsr-3288	324	10	,	,	PUNCT
fsr-3288	324	11	there	there	PRON
fsr-3288	324	12	is	be	VERB
fsr-3288	324	13	some	some	DET
fsr-3288	324	14	utility	utility	NOUN
fsr-3288	324	15	in	in	ADP
fsr-3288	324	16	understanding	understand	VERB
fsr-3288	324	17	the	the	DET
fsr-3288	324	18	different	different	ADJ
fsr-3288	324	19	types	type	NOUN
fsr-3288	324	20	of	of	ADP
fsr-3288	324	21	services	service	NOUN
fsr-3288	324	22	people	people	NOUN
fsr-3288	324	23	are	be	AUX
fsr-3288	324	24	getting	get	VERB
fsr-3288	324	25	.	.	PUNCT
fsr-3288	325	1	future	future	ADJ
fsr-3288	325	2	research	research	NOUN
fsr-3288	325	3	might	might	AUX
fsr-3288	325	4	also	also	ADV
fsr-3288	325	5	consider	consider	VERB
fsr-3288	325	6	surveying	surveying	NOUN
fsr-3288	325	7	professionals	professional	NOUN
fsr-3288	325	8	to	to	PART
fsr-3288	325	9	understand	understand	VERB
fsr-3288	325	10	these	these	DET
fsr-3288	325	11	service	service	NOUN
fsr-3288	325	12	offerings	offering	NOUN
fsr-3288	325	13	.	.	PUNCT
fsr-3288	326	1	this	this	DET
fsr-3288	326	2	knowledge	knowledge	NOUN
fsr-3288	326	3	will	will	AUX
fsr-3288	326	4	help	help	VERB
fsr-3288	326	5	financial	financial	ADJ
fsr-3288	326	6	services	service	NOUN
fsr-3288	326	7	professionals	professional	NOUN
fsr-3288	326	8	better	well	ADV
fsr-3288	326	9	serve	serve	VERB
fsr-3288	326	10	consumers	consumer	NOUN
fsr-3288	326	11	and	and	CCONJ
fsr-3288	326	12	help	help	VERB
fsr-3288	326	13	policy	policy	NOUN
fsr-3288	326	14	makers	maker	NOUN
fsr-3288	326	15	understand	understand	VERB
fsr-3288	326	16	the	the	DET
fsr-3288	326	17	areas	area	NOUN
fsr-3288	326	18	of	of	ADP
fsr-3288	326	19	consumer	consumer	NOUN
fsr-3288	326	20	finance	finance	NOUN
fsr-3288	326	21	that	that	PRON
fsr-3288	326	22	may	may	AUX
fsr-3288	326	23	be	be	AUX
fsr-3288	326	24	too	too	ADV
fsr-3288	326	25	complex	complex	ADJ
fsr-3288	326	26	for	for	ADP
fsr-3288	326	27	the	the	DET
fsr-3288	326	28	ordinary	ordinary	ADJ
fsr-3288	326	29	american	american	PROPN
fsr-3288	326	30	.	.	PUNCT
fsr-3288	327	1	nonetheless	nonetheless	ADV
fsr-3288	327	2	,	,	PUNCT
fsr-3288	327	3	researchers	researcher	NOUN
fsr-3288	327	4	must	must	AUX
fsr-3288	327	5	be	be	AUX
fsr-3288	327	6	careful	careful	ADJ
fsr-3288	327	7	to	to	PART
fsr-3288	327	8	distinguish	distinguish	VERB
fsr-3288	327	9	between	between	ADP
fsr-3288	327	10	consulting	consult	VERB
fsr-3288	327	11	a	a	DET
fsr-3288	327	12	professional	professional	NOUN
fsr-3288	327	13	who	who	PRON
fsr-3288	327	14	holds	hold	VERB
fsr-3288	327	15	the	the	DET
fsr-3288	327	16	title	title	NOUN
fsr-3288	327	17	of	of	ADP
fsr-3288	327	18	financial	financial	ADJ
fsr-3288	327	19	planner	planner	NOUN
fsr-3288	327	20	and	and	CCONJ
fsr-3288	327	21	engaging	engage	VERB
fsr-3288	327	22	in	in	ADP
fsr-3288	327	23	financial	financial	ADJ
fsr-3288	327	24	planning	planning	NOUN
fsr-3288	327	25	as	as	SCONJ
fsr-3288	327	26	these	these	PRON
fsr-3288	327	27	are	be	AUX
fsr-3288	327	28	not	not	PART
fsr-3288	327	29	442	442	NUM
fsr-3288	327	30	s.j	s.j	PROPN
fsr-3288	327	31	.	.	PUNCT
fsr-3288	328	1	heckman	heckman	PROPN
fsr-3288	328	2	et	et	PROPN
fsr-3288	328	3	al	al	PROPN
fsr-3288	328	4	.	.	PUNCT
fsr-3288	328	5	/	/	SYM
fsr-3288	328	6	financial	financial	ADJ
fsr-3288	328	7	services	service	NOUN
fsr-3288	328	8	review	review	VERB
fsr-3288	328	9	25	25	NUM
fsr-3288	328	10	(	(	PUNCT
fsr-3288	328	11	2016	2016	NUM
fsr-3288	328	12	)	)	PUNCT
fsr-3288	328	13	427–446	427–446	NUM
fsr-3288	328	14	necessarily	necessarily	ADV
fsr-3288	328	15	one	one	NUM
fsr-3288	328	16	in	in	ADP
fsr-3288	328	17	the	the	DET
fsr-3288	328	18	same	same	ADJ
fsr-3288	328	19	.	.	PUNCT
fsr-3288	329	1	we	we	PRON
fsr-3288	329	2	suggest	suggest	VERB
fsr-3288	329	3	either	either	CCONJ
fsr-3288	329	4	clearly	clearly	ADV
fsr-3288	329	5	defining	define	VERB
fsr-3288	329	6	what	what	PRON
fsr-3288	329	7	is	be	AUX
fsr-3288	329	8	meant	mean	VERB
fsr-3288	329	9	by	by	ADP
fsr-3288	329	10	a	a	DET
fsr-3288	329	11	financial	financial	ADJ
fsr-3288	329	12	planner	planner	NOUN
fsr-3288	329	13	in	in	ADP
fsr-3288	329	14	the	the	DET
fsr-3288	329	15	survey	survey	NOUN
fsr-3288	329	16	or	or	CCONJ
fsr-3288	329	17	perhaps	perhaps	ADV
fsr-3288	329	18	avoid	avoid	VERB
fsr-3288	329	19	using	use	VERB
fsr-3288	329	20	the	the	DET
fsr-3288	329	21	term	term	NOUN
fsr-3288	329	22	to	to	PART
fsr-3288	329	23	limit	limit	VERB
fsr-3288	329	24	measurement	measurement	NOUN
fsr-3288	329	25	error	error	NOUN
fsr-3288	329	26	.	.	PUNCT
fsr-3288	330	1	using	use	VERB
fsr-3288	330	2	a	a	DET
fsr-3288	330	3	set	set	NOUN
fsr-3288	330	4	of	of	ADP
fsr-3288	330	5	questions	question	NOUN
fsr-3288	330	6	to	to	PART
fsr-3288	330	7	determine	determine	VERB
fsr-3288	330	8	whether	whether	SCONJ
fsr-3288	330	9	a	a	DET
fsr-3288	330	10	financial	financial	ADJ
fsr-3288	330	11	planning	planning	NOUN
fsr-3288	330	12	engagement	engagement	NOUN
fsr-3288	330	13	has	have	AUX
fsr-3288	330	14	occurred	occur	VERB
fsr-3288	330	15	may	may	AUX
fsr-3288	330	16	be	be	AUX
fsr-3288	330	17	more	more	ADV
fsr-3288	330	18	informative	informative	ADJ
fsr-3288	330	19	than	than	ADP
fsr-3288	330	20	simply	simply	ADV
fsr-3288	330	21	asking	ask	VERB
fsr-3288	330	22	about	about	ADP
fsr-3288	330	23	financial	financial	ADJ
fsr-3288	330	24	planner	planner	NOUN
fsr-3288	330	25	use	use	NOUN
fsr-3288	330	26	as	as	SCONJ
fsr-3288	330	27	it	it	PRON
fsr-3288	330	28	will	will	AUX
fsr-3288	330	29	capture	capture	VERB
fsr-3288	330	30	some	some	PRON
fsr-3288	330	31	of	of	ADP
fsr-3288	330	32	the	the	DET
fsr-3288	330	33	heterogeneity	heterogeneity	NOUN
fsr-3288	330	34	in	in	ADP
fsr-3288	330	35	financial	financial	ADJ
fsr-3288	330	36	planning	planning	NOUN
fsr-3288	330	37	engagements	engagement	NOUN
fsr-3288	330	38	(	(	PUNCT
fsr-3288	330	39	e.g.	e.g.	ADV
fsr-3288	330	40	,	,	PUNCT
fsr-3288	330	41	subjects	subject	NOUN
fsr-3288	330	42	covered	cover	VERB
fsr-3288	330	43	,	,	PUNCT
fsr-3288	330	44	depth	depth	NOUN
fsr-3288	330	45	of	of	ADP
fsr-3288	330	46	data	datum	NOUN
fsr-3288	330	47	collection	collection	NOUN
fsr-3288	330	48	,	,	PUNCT
fsr-3288	330	49	breadth	breadth	NOUN
fsr-3288	330	50	of	of	ADP
fsr-3288	330	51	recommendations	recommendation	NOUN
fsr-3288	330	52	,	,	PUNCT
fsr-3288	330	53	etc	etc	X
fsr-3288	330	54	.	.	X
fsr-3288	330	55	)	)	PUNCT
fsr-3288	330	56	.	.	PUNCT
fsr-3288	331	1	table	table	NOUN
fsr-3288	331	2	4	4	NUM
fsr-3288	331	3	example	example	NOUN
fsr-3288	331	4	survey	survey	NOUN
fsr-3288	331	5	items	item	NOUN
fsr-3288	331	6	for	for	ADP
fsr-3288	331	7	measuring	measure	VERB
fsr-3288	331	8	professional	professional	ADJ
fsr-3288	331	9	financial	financial	ADJ
fsr-3288	331	10	planning	planning	NOUN
fsr-3288	331	11	engagements	engagement	NOUN
fsr-3288	331	12	aspect	aspect	VERB
fsr-3288	331	13	of	of	ADP
fsr-3288	331	14	financial	financial	ADJ
fsr-3288	331	15	planning	planning	NOUN
fsr-3288	331	16	definition	definition	NOUN
fsr-3288	331	17	example	example	NOUN
fsr-3288	331	18	survey	survey	NOUN
fsr-3288	331	19	question	question	NOUN
fsr-3288	331	20	process	process	NOUN
fsr-3288	331	21	,	,	PUNCT
fsr-3288	331	22	goals	goal	NOUN
fsr-3288	331	23	,	,	PUNCT
fsr-3288	331	24	management	management	NOUN
fsr-3288	331	25	of	of	ADP
fsr-3288	331	26	resources	resource	NOUN
fsr-3288	331	27	,	,	PUNCT
fsr-3288	331	28	intent	intent	ADJ
fsr-3288	331	29	to	to	PART
fsr-3288	331	30	engage	engage	VERB
fsr-3288	331	31	do	do	AUX
fsr-3288	331	32	you	you	PRON
fsr-3288	331	33	consult	consult	VERB
fsr-3288	331	34	a	a	DET
fsr-3288	331	35	financial	financial	ADJ
fsr-3288	331	36	professional	professional	NOUN
fsr-3288	331	37	when	when	SCONJ
fsr-3288	331	38	managing	manage	VERB
fsr-3288	331	39	your	your	PRON
fsr-3288	331	40	finances	finance	NOUN
fsr-3288	331	41	to	to	PART
fsr-3288	331	42	achieve	achieve	VERB
fsr-3288	331	43	your	your	PRON
fsr-3288	331	44	financial	financial	ADJ
fsr-3288	331	45	goals	goal	NOUN
fsr-3288	331	46	?	?	PUNCT
fsr-3288	332	1	more	more	ADJ
fsr-3288	332	2	than	than	ADP
fsr-3288	332	3	one	one	NUM
fsr-3288	332	4	subject	subject	ADJ
fsr-3288	332	5	area	area	NOUN
fsr-3288	332	6	which	which	DET
fsr-3288	332	7	personal	personal	ADJ
fsr-3288	332	8	finance	finance	NOUN
fsr-3288	332	9	subject	subject	NOUN
fsr-3288	332	10	areas	area	NOUN
fsr-3288	332	11	do	do	AUX
fsr-3288	332	12	you	you	PRON
fsr-3288	332	13	discuss	discuss	VERB
fsr-3288	332	14	with	with	ADP
fsr-3288	332	15	a	a	DET
fsr-3288	332	16	financial	financial	ADJ
fsr-3288	332	17	professional	professional	NOUN
fsr-3288	332	18	?	?	PUNCT
fsr-3288	333	1	select	select	VERB
fsr-3288	333	2	all	all	PRON
fsr-3288	333	3	that	that	PRON
fsr-3288	333	4	apply	apply	VERB
fsr-3288	333	5	.	.	PUNCT
fsr-3288	334	1	financial	financial	ADJ
fsr-3288	334	2	statement	statement	NOUN
fsr-3288	334	3	preparation	preparation	NOUN
fsr-3288	334	4	and	and	CCONJ
fsr-3288	334	5	analysis	analysis	NOUN
fsr-3288	334	6	insurance	insurance	NOUN
fsr-3288	334	7	planning	planning	NOUN
fsr-3288	334	8	and	and	CCONJ
fsr-3288	334	9	risk	risk	NOUN
fsr-3288	334	10	management	management	NOUN
fsr-3288	334	11	education	education	NOUN
fsr-3288	334	12	planning	planning	NOUN
fsr-3288	334	13	employee	employee	NOUN
fsr-3288	334	14	benefits	benefit	NOUN
fsr-3288	334	15	planning	plan	VERB
fsr-3288	334	16	investment	investment	NOUN
fsr-3288	334	17	planning	planning	NOUN
fsr-3288	334	18	income	income	NOUN
fsr-3288	334	19	tax	tax	NOUN
fsr-3288	334	20	planning	planning	NOUN
fsr-3288	334	21	retirement	retirement	NOUN
fsr-3288	334	22	planning	planning	NOUN
fsr-3288	334	23	estate	estate	NOUN
fsr-3288	334	24	planning	planning	NOUN
fsr-3288	334	25	comprehensiveness	comprehensiveness	NOUN
fsr-3288	334	26	of	of	ADP
fsr-3288	334	27	data	datum	NOUN
fsr-3288	334	28	collection	collection	NOUN
fsr-3288	334	29	how	how	SCONJ
fsr-3288	334	30	much	much	ADJ
fsr-3288	334	31	of	of	ADP
fsr-3288	334	32	your	your	PRON
fsr-3288	334	33	financial	financial	ADJ
fsr-3288	334	34	information	information	NOUN
fsr-3288	334	35	does	do	VERB
fsr-3288	334	36	your	your	PRON
fsr-3288	334	37	financial	financial	ADJ
fsr-3288	334	38	professional	professional	ADJ
fsr-3288	334	39	collect	collect	NOUN
fsr-3288	334	40	before	before	ADP
fsr-3288	334	41	making	make	VERB
fsr-3288	334	42	recommendations	recommendation	NOUN
fsr-3288	334	43	?	?	PUNCT
fsr-3288	335	1	1	1	NUM
fsr-3288	335	2	(	(	PUNCT
fsr-3288	335	3	minimal	minimal	ADJ
fsr-3288	335	4	)	)	PUNCT
fsr-3288	335	5	.	.	PUNCT
fsr-3288	335	6	.	.	PUNCT
fsr-3288	336	1	.	.	PUNCT
fsr-3288	337	1	10	10	NUM
fsr-3288	337	2	(	(	PUNCT
fsr-3288	337	3	everything	everything	PRON
fsr-3288	337	4	)	)	PUNCT
fsr-3288	337	5	breadth	breadth	NOUN
fsr-3288	337	6	of	of	ADP
fsr-3288	337	7	recommendations	recommendation	NOUN
fsr-3288	337	8	how	how	SCONJ
fsr-3288	337	9	thoroughly	thoroughly	ADV
fsr-3288	337	10	does	do	VERB
fsr-3288	337	11	your	your	PRON
fsr-3288	337	12	financial	financial	ADJ
fsr-3288	337	13	professional	professional	ADJ
fsr-3288	337	14	address	address	NOUN
fsr-3288	337	15	the	the	DET
fsr-3288	337	16	following	follow	VERB
fsr-3288	337	17	areas	area	NOUN
fsr-3288	337	18	?	?	PUNCT
fsr-3288	338	1	(	(	PUNCT
fsr-3288	338	2	same	same	ADJ
fsr-3288	338	3	list	list	NOUN
fsr-3288	338	4	as	as	ADP
fsr-3288	338	5	above	above	ADJ
fsr-3288	338	6	)	)	PUNCT
fsr-3288	338	7	1	1	NUM
fsr-3288	338	8	(	(	PUNCT
fsr-3288	338	9	not	not	PART
fsr-3288	338	10	addressed	address	VERB
fsr-3288	338	11	)	)	PUNCT
fsr-3288	338	12	.	.	PUNCT
fsr-3288	338	13	.	.	PUNCT
fsr-3288	339	1	.	.	PUNCT
fsr-3288	340	1	10	10	NUM
fsr-3288	340	2	(	(	PUNCT
fsr-3288	340	3	thoroughly	thoroughly	ADV
fsr-3288	340	4	addressed	address	VERB
fsr-3288	340	5	)	)	PUNCT
fsr-3288	340	6	other	other	ADJ
fsr-3288	340	7	sources	source	NOUN
fsr-3288	340	8	of	of	ADP
fsr-3288	340	9	heterogeneity	heterogeneity	NOUN
fsr-3288	340	10	diversity	diversity	NOUN
fsr-3288	340	11	of	of	ADP
fsr-3288	340	12	professional	professional	ADJ
fsr-3288	340	13	training	training	NOUN
fsr-3288	340	14	and	and	CCONJ
fsr-3288	340	15	professional	professional	ADJ
fsr-3288	340	16	expertise	expertise	NOUN
fsr-3288	340	17	what	what	PRON
fsr-3288	340	18	kind	kind	NOUN
fsr-3288	340	19	of	of	ADP
fsr-3288	340	20	financial	financial	ADJ
fsr-3288	340	21	professional	professional	NOUN
fsr-3288	340	22	do	do	AUX
fsr-3288	340	23	you	you	PRON
fsr-3288	340	24	consult	consult	VERB
fsr-3288	340	25	?	?	PUNCT
fsr-3288	341	1	select	select	VERB
fsr-3288	341	2	all	all	PRON
fsr-3288	341	3	that	that	PRON
fsr-3288	341	4	apply	apply	VERB
fsr-3288	341	5	.	.	PUNCT
fsr-3288	342	1	accountant	accountant	NOUN
fsr-3288	342	2	investment	investment	NOUN
fsr-3288	342	3	advisor	advisor	PROPN
fsr-3288	342	4	attorney	attorney	NOUN
fsr-3288	342	5	insurance	insurance	PROPN
fsr-3288	342	6	agent	agent	NOUN
fsr-3288	342	7	investment	investment	NOUN
fsr-3288	342	8	broker	broker	PROPN
fsr-3288	342	9	financial	financial	ADJ
fsr-3288	342	10	planner	planner	NOUN
fsr-3288	342	11	financial	financial	ADJ
fsr-3288	342	12	counselor	counselor	NOUN
fsr-3288	342	13	frequency	frequency	NOUN
fsr-3288	342	14	and	and	CCONJ
fsr-3288	342	15	duration	duration	NOUN
fsr-3288	342	16	of	of	ADP
fsr-3288	342	17	professional	professional	ADJ
fsr-3288	342	18	engagement	engagement	NOUN
fsr-3288	342	19	how	how	SCONJ
fsr-3288	342	20	long	long	ADV
fsr-3288	342	21	have	have	AUX
fsr-3288	342	22	you	you	PRON
fsr-3288	342	23	been	be	AUX
fsr-3288	342	24	working	work	VERB
fsr-3288	342	25	a	a	DET
fsr-3288	342	26	financial	financial	ADJ
fsr-3288	342	27	professional	professional	NOUN
fsr-3288	342	28	?	?	PUNCT
fsr-3288	343	1	how	how	SCONJ
fsr-3288	343	2	often	often	ADV
fsr-3288	343	3	do	do	AUX
fsr-3288	343	4	you	you	PRON
fsr-3288	343	5	meet	meet	VERB
fsr-3288	343	6	with	with	ADP
fsr-3288	343	7	a	a	DET
fsr-3288	343	8	financial	financial	ADJ
fsr-3288	343	9	professional	professional	NOUN
fsr-3288	343	10	to	to	PART
fsr-3288	343	11	discuss	discuss	VERB
fsr-3288	343	12	topics	topic	NOUN
fsr-3288	343	13	related	relate	VERB
fsr-3288	343	14	to	to	ADP
fsr-3288	343	15	your	your	PRON
fsr-3288	343	16	financial	financial	ADJ
fsr-3288	343	17	goals	goal	NOUN
fsr-3288	343	18	?	?	PUNCT
fsr-3288	344	1	payment	payment	NOUN
fsr-3288	344	2	type	type	NOUN
fsr-3288	344	3	of	of	ADP
fsr-3288	344	4	financial	financial	ADJ
fsr-3288	344	5	professional	professional	ADJ
fsr-3288	344	6	service	service	NOUN
fsr-3288	344	7	how	how	SCONJ
fsr-3288	344	8	do	do	AUX
fsr-3288	344	9	you	you	PRON
fsr-3288	344	10	pay	pay	VERB
fsr-3288	344	11	this	this	DET
fsr-3288	344	12	financial	financial	ADJ
fsr-3288	344	13	planning	planning	NOUN
fsr-3288	344	14	service	service	NOUN
fsr-3288	344	15	for	for	ADP
fsr-3288	344	16	?	?	PUNCT
fsr-3288	345	1	please	please	INTJ
fsr-3288	345	2	check	check	VERB
fsr-3288	345	3	all	all	PRON
fsr-3288	345	4	that	that	PRON
fsr-3288	345	5	apply	apply	VERB
fsr-3288	345	6	[	[	X
fsr-3288	345	7	commission	commission	NOUN
fsr-3288	345	8	(	(	PUNCT
fsr-3288	345	9	e.g.	e.g.	ADV
fsr-3288	345	10	,	,	PUNCT
fsr-3288	345	11	per	per	ADP
fsr-3288	345	12	transaction	transaction	NOUN
fsr-3288	345	13	)	)	PUNCT
fsr-3288	345	14	,	,	PUNCT
fsr-3288	345	15	hourly	hourly	ADV
fsr-3288	345	16	,	,	PUNCT
fsr-3288	345	17	monthly	monthly	ADJ
fsr-3288	345	18	,	,	PUNCT
fsr-3288	345	19	or	or	CCONJ
fsr-3288	345	20	annual	annual	ADJ
fsr-3288	345	21	rate	rate	NOUN
fsr-3288	345	22	,	,	PUNCT
fsr-3288	345	23	flat	flat	ADJ
fsr-3288	345	24	fee	fee	NOUN
fsr-3288	345	25	,	,	PUNCT
fsr-3288	345	26	percentage	percentage	NOUN
fsr-3288	345	27	fee	fee	NOUN
fsr-3288	345	28	(	(	PUNCT
fsr-3288	345	29	e.g.	e.g.	ADV
fsr-3288	345	30	,	,	PUNCT
fsr-3288	345	31	%	%	NOUN
fsr-3288	345	32	of	of	ADP
fsr-3288	345	33	my	my	PRON
fsr-3288	345	34	account	account	NOUN
fsr-3288	345	35	balance	balance	NOUN
fsr-3288	345	36	)	)	PUNCT
fsr-3288	345	37	]	]	PUNCT
fsr-3288	346	1	443s.j	443s.j	X
fsr-3288	346	2	.	.	PUNCT
fsr-3288	347	1	heckman	heckman	PROPN
fsr-3288	347	2	et	et	PROPN
fsr-3288	347	3	al	al	PROPN
fsr-3288	347	4	.	.	PUNCT
fsr-3288	347	5	/	/	SYM
fsr-3288	347	6	financial	financial	ADJ
fsr-3288	347	7	services	service	NOUN
fsr-3288	347	8	review	review	VERB
fsr-3288	347	9	25	25	NUM
fsr-3288	347	10	(	(	PUNCT
fsr-3288	347	11	2016	2016	NUM
fsr-3288	347	12	)	)	PUNCT
fsr-3288	348	1	427–446	427–446	NOUN
fsr-3288	348	2	this	this	DET
fsr-3288	348	3	analysis	analysis	NOUN
fsr-3288	348	4	demonstrates	demonstrate	VERB
fsr-3288	348	5	that	that	SCONJ
fsr-3288	348	6	existing	exist	VERB
fsr-3288	348	7	measures	measure	NOUN
fsr-3288	348	8	of	of	ADP
fsr-3288	348	9	households	household	NOUN
fsr-3288	348	10	’	'	PUNCT
fsr-3288	348	11	financial	financial	ADJ
fsr-3288	348	12	planner	planner	NOUN
fsr-3288	348	13	use	use	NOUN
fsr-3288	348	14	,	,	PUNCT
fsr-3288	348	15	especially	especially	ADV
fsr-3288	348	16	in	in	ADP
fsr-3288	348	17	public	public	ADJ
fsr-3288	348	18	,	,	PUNCT
fsr-3288	348	19	nationally	nationally	ADV
fsr-3288	348	20	representative	representative	ADJ
fsr-3288	348	21	datasets	dataset	NOUN
fsr-3288	348	22	,	,	PUNCT
fsr-3288	348	23	lack	lack	NOUN
fsr-3288	348	24	content	content	NOUN
fsr-3288	348	25	validity	validity	NOUN
fsr-3288	348	26	.	.	PUNCT
fsr-3288	349	1	as	as	SCONJ
fsr-3288	349	2	the	the	DET
fsr-3288	349	3	field	field	NOUN
fsr-3288	349	4	continues	continue	VERB
fsr-3288	349	5	to	to	PART
fsr-3288	349	6	grow	grow	VERB
fsr-3288	349	7	,	,	PUNCT
fsr-3288	349	8	definitions	definition	NOUN
fsr-3288	349	9	of	of	ADP
fsr-3288	349	10	financial	financial	ADJ
fsr-3288	349	11	planning	planning	NOUN
fsr-3288	349	12	,	,	PUNCT
fsr-3288	349	13	measures	measure	NOUN
fsr-3288	349	14	of	of	ADP
fsr-3288	349	15	financial	financial	ADJ
fsr-3288	349	16	planner	planner	NOUN
fsr-3288	349	17	use	use	NOUN
fsr-3288	349	18	,	,	PUNCT
fsr-3288	349	19	and	and	CCONJ
fsr-3288	349	20	the	the	DET
fsr-3288	349	21	effects	effect	NOUN
fsr-3288	349	22	of	of	ADP
fsr-3288	349	23	engaging	engage	VERB
fsr-3288	349	24	in	in	ADP
fsr-3288	349	25	professional	professional	ADJ
fsr-3288	349	26	financial	financial	ADJ
fsr-3288	349	27	planning	planning	NOUN
fsr-3288	349	28	on	on	ADP
fsr-3288	349	29	consumer	consumer	NOUN
fsr-3288	349	30	well	well	ADV
fsr-3288	349	31	-	-	PUNCT
fsr-3288	349	32	being	being	NOUN
fsr-3288	349	33	is	be	AUX
fsr-3288	349	34	of	of	ADP
fsr-3288	349	35	utmost	utmost	ADJ
fsr-3288	349	36	importance	importance	NOUN
fsr-3288	349	37	.	.	PUNCT
fsr-3288	350	1	financial	financial	ADJ
fsr-3288	350	2	planning	planning	NOUN
fsr-3288	350	3	researchers	researcher	NOUN
fsr-3288	350	4	,	,	PUNCT
fsr-3288	350	5	however	however	ADV
fsr-3288	350	6	,	,	PUNCT
fsr-3288	350	7	will	will	AUX
fsr-3288	350	8	be	be	AUX
fsr-3288	350	9	significantly	significantly	ADV
fsr-3288	350	10	limited	limit	VERB
fsr-3288	350	11	until	until	SCONJ
fsr-3288	350	12	better	well	ADJ
fsr-3288	350	13	measures	measure	NOUN
fsr-3288	350	14	of	of	ADP
fsr-3288	350	15	financial	financial	ADJ
fsr-3288	350	16	planner	planner	NOUN
fsr-3288	350	17	use	use	NOUN
fsr-3288	350	18	are	be	AUX
fsr-3288	350	19	available	available	ADJ
fsr-3288	350	20	.	.	PUNCT
fsr-3288	351	1	future	future	ADJ
fsr-3288	351	2	research	research	NOUN
fsr-3288	351	3	should	should	AUX
fsr-3288	351	4	focus	focus	VERB
fsr-3288	351	5	on	on	ADP
fsr-3288	351	6	developing	develop	VERB
fsr-3288	351	7	and	and	CCONJ
fsr-3288	351	8	testing	test	VERB
fsr-3288	351	9	questions	question	NOUN
fsr-3288	351	10	and	and	CCONJ
fsr-3288	351	11	measures	measure	NOUN
fsr-3288	351	12	to	to	PART
fsr-3288	351	13	address	address	VERB
fsr-3288	351	14	this	this	DET
fsr-3288	351	15	gap	gap	NOUN
fsr-3288	351	16	in	in	ADP
fsr-3288	351	17	the	the	DET
fsr-3288	351	18	field	field	NOUN
fsr-3288	351	19	.	.	PUNCT
fsr-3288	352	1	additionally	additionally	ADV
fsr-3288	352	2	,	,	PUNCT
fsr-3288	352	3	researchers	researcher	NOUN
fsr-3288	352	4	should	should	AUX
fsr-3288	352	5	be	be	AUX
fsr-3288	352	6	careful	careful	ADJ
fsr-3288	352	7	to	to	PART
fsr-3288	352	8	consider	consider	VERB
fsr-3288	352	9	other	other	ADJ
fsr-3288	352	10	aspects	aspect	NOUN
fsr-3288	352	11	of	of	ADP
fsr-3288	352	12	measurement	measurement	NOUN
fsr-3288	352	13	,	,	PUNCT
fsr-3288	352	14	including	include	VERB
fsr-3288	352	15	reliability	reliability	NOUN
fsr-3288	352	16	,	,	PUNCT
fsr-3288	352	17	criterion	criterion	NOUN
fsr-3288	352	18	-	-	PUNCT
fsr-3288	352	19	related	relate	VERB
fsr-3288	352	20	validity	validity	NOUN
fsr-3288	352	21	,	,	PUNCT
fsr-3288	352	22	and	and	CCONJ
fsr-3288	352	23	construct	construct	VERB
fsr-3288	352	24	validity	validity	NOUN
fsr-3288	352	25	.	.	PUNCT
fsr-3288	353	1	notes	note	VERB
fsr-3288	353	2	1	1	NUM
fsr-3288	353	3	the	the	DET
fsr-3288	353	4	purpose	purpose	NOUN
fsr-3288	353	5	of	of	ADP
fsr-3288	353	6	this	this	DET
fsr-3288	353	7	study	study	NOUN
fsr-3288	353	8	not	not	PART
fsr-3288	353	9	to	to	PART
fsr-3288	353	10	answer	answer	VERB
fsr-3288	353	11	this	this	DET
fsr-3288	353	12	question	question	NOUN
fsr-3288	353	13	,	,	PUNCT
fsr-3288	353	14	but	but	CCONJ
fsr-3288	353	15	rather	rather	ADV
fsr-3288	353	16	to	to	PART
fsr-3288	353	17	clearly	clearly	ADV
fsr-3288	353	18	articulate	articulate	VERB
fsr-3288	353	19	the	the	DET
fsr-3288	353	20	measurement	measurement	NOUN
fsr-3288	353	21	issues	issue	NOUN
fsr-3288	353	22	involved	involve	VERB
fsr-3288	353	23	in	in	ADP
fsr-3288	353	24	pursuing	pursue	VERB
fsr-3288	353	25	research	research	NOUN
fsr-3288	353	26	questions	question	NOUN
fsr-3288	353	27	related	relate	VERB
fsr-3288	353	28	to	to	ADP
fsr-3288	353	29	the	the	DET
fsr-3288	353	30	influence	influence	NOUN
fsr-3288	353	31	of	of	ADP
fsr-3288	353	32	financial	financial	ADJ
fsr-3288	353	33	planner	planner	NOUN
fsr-3288	353	34	use	use	NOUN
fsr-3288	353	35	.	.	PUNCT
fsr-3288	354	1	2	2	NUM
fsr-3288	354	2	the	the	DET
fsr-3288	354	3	alp	alp	PROPN
fsr-3288	354	4	contains	contain	VERB
fsr-3288	354	5	over	over	ADP
fsr-3288	354	6	400	400	NUM
fsr-3288	354	7	surveys	survey	NOUN
fsr-3288	354	8	that	that	PRON
fsr-3288	354	9	have	have	AUX
fsr-3288	354	10	been	be	AUX
fsr-3288	354	11	administered	administer	VERB
fsr-3288	354	12	so	so	SCONJ
fsr-3288	354	13	this	this	DET
fsr-3288	354	14	list	list	NOUN
fsr-3288	354	15	of	of	ADP
fsr-3288	354	16	surveys	survey	NOUN
fsr-3288	354	17	may	may	AUX
fsr-3288	354	18	not	not	PART
fsr-3288	354	19	be	be	AUX
fsr-3288	354	20	exhaustive	exhaustive	ADJ
fsr-3288	354	21	.	.	PUNCT
fsr-3288	355	1	3	3	NUM
fsr-3288	355	2	as	as	ADP
fsr-3288	355	3	an	an	DET
fsr-3288	355	4	example	example	NOUN
fsr-3288	355	5	of	of	ADP
fsr-3288	355	6	work	work	NOUN
fsr-3288	355	7	published	publish	VERB
fsr-3288	355	8	elsewhere	elsewhere	ADV
fsr-3288	355	9	that	that	PRON
fsr-3288	355	10	has	have	AUX
fsr-3288	355	11	used	use	VERB
fsr-3288	355	12	the	the	DET
fsr-3288	355	13	financial	financial	ADJ
fsr-3288	355	14	professional	professional	ADJ
fsr-3288	355	15	use	use	NOUN
fsr-3288	355	16	question	question	NOUN
fsr-3288	355	17	in	in	ADP
fsr-3288	355	18	the	the	DET
fsr-3288	355	19	alp	alp	PROPN
fsr-3288	355	20	,	,	PUNCT
fsr-3288	355	21	parker	parker	PROPN
fsr-3288	355	22	,	,	PUNCT
fsr-3288	355	23	bruine	bruine	PROPN
fsr-3288	355	24	de	de	PROPN
fsr-3288	355	25	bruin	bruin	PROPN
fsr-3288	355	26	,	,	PUNCT
fsr-3288	355	27	yoong	yoong	PROPN
fsr-3288	355	28	,	,	PUNCT
fsr-3288	355	29	and	and	CCONJ
fsr-3288	355	30	willis	willis	PROPN
fsr-3288	355	31	(	(	PUNCT
fsr-3288	355	32	2012	2012	NUM
fsr-3288	355	33	)	)	PUNCT
fsr-3288	355	34	investigated	investigate	VERB
fsr-3288	355	35	the	the	DET
fsr-3288	355	36	relationship	relationship	NOUN
fsr-3288	355	37	between	between	ADP
fsr-3288	355	38	confidence	confidence	NOUN
fsr-3288	355	39	and	and	CCONJ
fsr-3288	355	40	financial	financial	ADJ
fsr-3288	355	41	planning	planning	NOUN
fsr-3288	355	42	.	.	PUNCT
fsr-3288	356	1	the	the	DET
fsr-3288	356	2	researchers	researcher	NOUN
fsr-3288	356	3	used	use	VERB
fsr-3288	356	4	three	three	NUM
fsr-3288	356	5	questions	question	NOUN
fsr-3288	356	6	(	(	PUNCT
fsr-3288	356	7	1	1	NUM
fsr-3288	356	8	)	)	PUNCT
fsr-3288	356	9	“	"	PUNCT
fsr-3288	356	10	have	have	AUX
fsr-3288	356	11	you	you	PRON
fsr-3288	356	12	or	or	CCONJ
fsr-3288	356	13	your	your	PRON
fsr-3288	356	14	partner	partner	NOUN
fsr-3288	356	15	ever	ever	ADV
fsr-3288	356	16	tried	try	VERB
fsr-3288	356	17	to	to	PART
fsr-3288	356	18	figure	figure	VERB
fsr-3288	356	19	out	out	ADP
fsr-3288	356	20	how	how	SCONJ
fsr-3288	356	21	your	your	PRON
fsr-3288	356	22	household	household	NOUN
fsr-3288	356	23	would	would	AUX
fsr-3288	356	24	need	need	VERB
fsr-3288	356	25	to	to	PART
fsr-3288	356	26	save	save	VERB
fsr-3288	356	27	for	for	ADP
fsr-3288	356	28	retirement	retirement	NOUN
fsr-3288	356	29	?	?	PUNCT
fsr-3288	356	30	”	"	PUNCT
fsr-3288	356	31	;	;	PUNCT
fsr-3288	356	32	(	(	PUNCT
fsr-3288	356	33	2	2	X
fsr-3288	356	34	)	)	PUNCT
fsr-3288	356	35	“	"	PUNCT
fsr-3288	356	36	have	have	AUX
fsr-3288	356	37	you	you	PRON
fsr-3288	356	38	consulted	consult	VERB
fsr-3288	356	39	a	a	DET
fsr-3288	356	40	financial	financial	ADJ
fsr-3288	356	41	planner	planner	NOUN
fsr-3288	356	42	or	or	CCONJ
fsr-3288	356	43	advisor	advisor	NOUN
fsr-3288	356	44	or	or	CCONJ
fsr-3288	356	45	an	an	DET
fsr-3288	356	46	accountant	accountant	NOUN
fsr-3288	356	47	?	?	PUNCT
fsr-3288	356	48	”	"	PUNCT
fsr-3288	356	49	;	;	PUNCT
fsr-3288	356	50	and	and	CCONJ
fsr-3288	356	51	(	(	PUNCT
fsr-3288	356	52	3	3	X
fsr-3288	356	53	)	)	PUNCT
fsr-3288	356	54	“	"	PUNCT
fsr-3288	356	55	have	have	AUX
fsr-3288	356	56	you	you	PRON
fsr-3288	356	57	or	or	CCONJ
fsr-3288	356	58	your	your	PRON
fsr-3288	356	59	partner	partner	NOUN
fsr-3288	356	60	developed	develop	VERB
fsr-3288	356	61	a	a	DET
fsr-3288	356	62	plan	plan	NOUN
fsr-3288	356	63	for	for	ADP
fsr-3288	356	64	retirement	retirement	NOUN
fsr-3288	356	65	saving	saving	NOUN
fsr-3288	356	66	?	?	PUNCT
fsr-3288	356	67	”	"	PUNCT
fsr-3288	356	68	to	to	PART
fsr-3288	356	69	create	create	VERB
fsr-3288	356	70	a	a	DET
fsr-3288	356	71	single	single	ADJ
fsr-3288	356	72	mean	mean	NOUN
fsr-3288	356	73	score	score	NOUN
fsr-3288	356	74	reflecting	reflect	VERB
fsr-3288	356	75	what	what	PRON
fsr-3288	356	76	they	they	PRON
fsr-3288	356	77	refer	refer	VERB
fsr-3288	356	78	to	to	ADP
fsr-3288	356	79	as	as	ADP
fsr-3288	356	80	a	a	DET
fsr-3288	356	81	“	"	PUNCT
fsr-3288	356	82	retirement	retirement	NOUN
fsr-3288	356	83	planning	planning	NOUN
fsr-3288	356	84	index	index	NOUN
fsr-3288	356	85	.	.	PUNCT
fsr-3288	356	86	”	"	PUNCT
fsr-3288	357	1	4	4	NUM
fsr-3288	357	2	this	this	PRON
fsr-3288	357	3	was	be	AUX
fsr-3288	357	4	confirmed	confirm	VERB
fsr-3288	357	5	via	via	ADP
fsr-3288	357	6	personal	personal	ADJ
fsr-3288	357	7	correspondence	correspondence	NOUN
fsr-3288	357	8	with	with	ADP
fsr-3288	357	9	the	the	DET
fsr-3288	357	10	authors	author	NOUN
fsr-3288	357	11	.	.	PUNCT
fsr-3288	358	1	5	5	NUM
fsr-3288	358	2	park	park	NOUN
fsr-3288	358	3	and	and	CCONJ
fsr-3288	358	4	yao	yao	NOUN
fsr-3288	358	5	created	create	VERB
fsr-3288	358	6	five	five	NUM
fsr-3288	358	7	categories	category	NOUN
fsr-3288	358	8	of	of	ADP
fsr-3288	358	9	information	information	NOUN
fsr-3288	358	10	sources	source	NOUN
fsr-3288	358	11	:	:	PUNCT
fsr-3288	358	12	self	self	NOUN
fsr-3288	358	13	and	and	CCONJ
fsr-3288	358	14	social	social	ADJ
fsr-3288	358	15	network	network	NOUN
fsr-3288	358	16	,	,	PUNCT
fsr-3288	358	17	financial	financial	ADJ
fsr-3288	358	18	planner	planner	NOUN
fsr-3288	358	19	,	,	PUNCT
fsr-3288	358	20	financial	financial	ADJ
fsr-3288	358	21	institutions	institution	NOUN
fsr-3288	358	22	,	,	PUNCT
fsr-3288	358	23	media	medium	NOUN
fsr-3288	358	24	,	,	PUNCT
fsr-3288	358	25	and	and	CCONJ
fsr-3288	358	26	other	other	ADJ
fsr-3288	358	27	.	.	PUNCT
fsr-3288	359	1	the	the	DET
fsr-3288	359	2	rationale	rationale	NOUN
fsr-3288	359	3	for	for	ADP
fsr-3288	359	4	including	include	VERB
fsr-3288	359	5	lawyer	lawyer	NOUN
fsr-3288	359	6	and	and	CCONJ
fsr-3288	359	7	accountant	accountant	NOUN
fsr-3288	359	8	with	with	ADP
fsr-3288	359	9	financial	financial	ADJ
fsr-3288	359	10	planner	planner	NOUN
fsr-3288	359	11	is	be	AUX
fsr-3288	359	12	that	that	SCONJ
fsr-3288	359	13	these	these	DET
fsr-3288	359	14	professionals	professional	NOUN
fsr-3288	359	15	“	"	PUNCT
fsr-3288	359	16	often	often	ADV
fsr-3288	359	17	work	work	VERB
fsr-3288	359	18	as	as	ADP
fsr-3288	359	19	a	a	DET
fsr-3288	359	20	team	team	NOUN
fsr-3288	359	21	to	to	PART
fsr-3288	359	22	assist	assist	VERB
fsr-3288	359	23	financial	financial	ADJ
fsr-3288	359	24	planners	planner	NOUN
fsr-3288	359	25	in	in	ADP
fsr-3288	359	26	helping	help	VERB
fsr-3288	359	27	clients	client	NOUN
fsr-3288	359	28	make	make	VERB
fsr-3288	359	29	saving	saving	NOUN
fsr-3288	359	30	and	and	CCONJ
fsr-3288	359	31	investment	investment	NOUN
fsr-3288	359	32	decisions	decision	NOUN
fsr-3288	359	33	”	"	PUNCT
fsr-3288	359	34	(	(	PUNCT
fsr-3288	359	35	p.	p.	NOUN
fsr-3288	359	36	6	6	NUM
fsr-3288	359	37	)	)	PUNCT
fsr-3288	359	38	.	.	PUNCT
fsr-3288	360	1	6	6	NUM
fsr-3288	360	2	fifty	fifty	NUM
fsr-3288	360	3	-	-	PUNCT
fsr-3288	360	4	four	four	NUM
fsr-3288	360	5	percent	percent	NOUN
fsr-3288	360	6	reported	report	VERB
fsr-3288	360	7	that	that	SCONJ
fsr-3288	360	8	the	the	DET
fsr-3288	360	9	plan	plan	NOUN
fsr-3288	360	10	was	be	AUX
fsr-3288	360	11	prepared	prepare	VERB
fsr-3288	360	12	or	or	CCONJ
fsr-3288	360	13	updated	update	VERB
fsr-3288	360	14	in	in	ADP
fsr-3288	360	15	the	the	DET
fsr-3288	360	16	last	last	ADJ
fsr-3288	360	17	12	12	NUM
fsr-3288	360	18	months	month	NOUN
fsr-3288	360	19	.	.	PUNCT
fsr-3288	361	1	7	7	NUM
fsr-3288	361	2	use	use	NOUN
fsr-3288	361	3	of	of	ADP
fsr-3288	361	4	a	a	DET
fsr-3288	361	5	financial	financial	ADJ
fsr-3288	361	6	coach	coach	NOUN
fsr-3288	361	7	was	be	AUX
fsr-3288	361	8	part	part	NOUN
fsr-3288	361	9	of	of	ADP
fsr-3288	361	10	a	a	DET
fsr-3288	361	11	field	field	NOUN
fsr-3288	361	12	-	-	PUNCT
fsr-3288	361	13	experiment	experiment	NOUN
fsr-3288	361	14	involving	involve	VERB
fsr-3288	361	15	first	first	ADJ
fsr-3288	361	16	-	-	PUNCT
fsr-3288	361	17	time	time	NOUN
fsr-3288	361	18	homebuyers	homebuyer	NOUN
fsr-3288	361	19	.	.	PUNCT
fsr-3288	362	1	8	8	NUM
fsr-3288	362	2	in	in	ADP
fsr-3288	362	3	the	the	DET
fsr-3288	362	4	case	case	NOUN
fsr-3288	362	5	of	of	ADP
fsr-3288	362	6	the	the	DET
fsr-3288	362	7	alp	alp	NOUN
fsr-3288	362	8	and	and	CCONJ
fsr-3288	362	9	hrs	hrs	NOUN
fsr-3288	362	10	,	,	PUNCT
fsr-3288	362	11	the	the	DET
fsr-3288	362	12	evaluation	evaluation	NOUN
fsr-3288	362	13	focuses	focus	VERB
fsr-3288	362	14	on	on	ADP
fsr-3288	362	15	measures	measure	NOUN
fsr-3288	362	16	that	that	PRON
fsr-3288	362	17	have	have	AUX
fsr-3288	362	18	been	be	AUX
fsr-3288	362	19	used	use	VERB
fsr-3288	362	20	by	by	ADP
fsr-3288	362	21	previous	previous	ADJ
fsr-3288	362	22	literature	literature	NOUN
fsr-3288	362	23	.	.	PUNCT
fsr-3288	363	1	additionally	additionally	ADV
fsr-3288	363	2	,	,	PUNCT
fsr-3288	363	3	we	we	PRON
fsr-3288	363	4	analyze	analyze	VERB
fsr-3288	363	5	alp	alp	PROPN
fsr-3288	363	6	survey	survey	PROPN
fsr-3288	363	7	13	13	NUM
fsr-3288	363	8	because	because	SCONJ
fsr-3288	363	9	of	of	ADP
fsr-3288	363	10	its	its	PRON
fsr-3288	363	11	unique	unique	ADJ
fsr-3288	363	12	measures	measure	NOUN
fsr-3288	363	13	.	.	PUNCT
fsr-3288	364	1	references	reference	NOUN
fsr-3288	364	2	balasubramnian	balasubramnian	PROPN
fsr-3288	364	3	,	,	PUNCT
fsr-3288	364	4	b.	b.	PROPN
fsr-3288	364	5	,	,	PUNCT
fsr-3288	364	6	brisker	brisker	X
fsr-3288	364	7	,	,	PUNCT
fsr-3288	364	8	e.	e.	PROPN
fsr-3288	364	9	r.	r.	PROPN
fsr-3288	364	10	,	,	PUNCT
fsr-3288	364	11	&	&	CCONJ
fsr-3288	364	12	gradisher	gradisher	PROPN
fsr-3288	364	13	,	,	PUNCT
fsr-3288	364	14	s.	s.	PROPN
fsr-3288	364	15	(	(	PUNCT
fsr-3288	364	16	2014	2014	NUM
fsr-3288	364	17	)	)	PUNCT
fsr-3288	364	18	.	.	PUNCT
fsr-3288	365	1	financial	financial	ADJ
fsr-3288	365	2	adviser	adviser	NOUN
fsr-3288	365	3	background	background	NOUN
fsr-3288	365	4	checks	check	NOUN
fsr-3288	365	5	.	.	PUNCT
fsr-3288	366	1	financial	financial	ADJ
fsr-3288	366	2	services	service	NOUN
fsr-3288	366	3	review	review	PROPN
fsr-3288	366	4	,	,	PUNCT
fsr-3288	366	5	23	23	NUM
fsr-3288	366	6	,	,	PUNCT
fsr-3288	366	7	305–324	305–324	NUM
fsr-3288	366	8	.	.	NOUN
fsr-3288	366	9	444	444	NUM
fsr-3288	366	10	s.j	s.j	PROPN
fsr-3288	366	11	.	.	PUNCT
fsr-3288	367	1	heckman	heckman	PROPN
fsr-3288	367	2	et	et	PROPN
fsr-3288	367	3	al	al	PROPN
fsr-3288	367	4	.	.	PUNCT
fsr-3288	367	5	/	/	SYM
fsr-3288	367	6	financial	financial	ADJ
fsr-3288	367	7	services	service	NOUN
fsr-3288	367	8	review	review	VERB
fsr-3288	367	9	25	25	NUM
fsr-3288	367	10	(	(	PUNCT
fsr-3288	367	11	2016	2016	NUM
fsr-3288	367	12	)	)	PUNCT
fsr-3288	367	13	427–446	427–446	NUM
fsr-3288	367	14	brandon	brandon	PROPN
fsr-3288	367	15	jr	jr	PROPN
fsr-3288	367	16	.	.	PROPN
fsr-3288	367	17	,	,	PUNCT
fsr-3288	367	18	e.	e.	PROPN
fsr-3288	367	19	d.	d.	PROPN
fsr-3288	367	20	,	,	PUNCT
fsr-3288	367	21	&	&	CCONJ
fsr-3288	367	22	welch	welch	PROPN
fsr-3288	367	23	,	,	PUNCT
fsr-3288	367	24	h.	h.	PROPN
fsr-3288	367	25	o.	o.	PROPN
fsr-3288	367	26	(	(	PUNCT
fsr-3288	367	27	2009	2009	NUM
fsr-3288	367	28	)	)	PUNCT
fsr-3288	367	29	.	.	PUNCT
fsr-3288	368	1	the	the	DET
fsr-3288	368	2	history	history	NOUN
fsr-3288	368	3	of	of	ADP
fsr-3288	368	4	financial	financial	ADJ
fsr-3288	368	5	planning	planning	NOUN
fsr-3288	368	6	:	:	PUNCT
fsr-3288	368	7	the	the	DET
fsr-3288	368	8	transformation	transformation	NOUN
fsr-3288	368	9	of	of	ADP
fsr-3288	368	10	financial	financial	ADJ
fsr-3288	368	11	services	service	NOUN
fsr-3288	368	12	.	.	PUNCT
fsr-3288	369	1	hoboken	hoboken	PROPN
fsr-3288	369	2	,	,	PUNCT
fsr-3288	369	3	nj	nj	PROPN
fsr-3288	369	4	:	:	PUNCT
fsr-3288	369	5	john	john	PROPN
fsr-3288	369	6	wiley	wiley	PROPN
fsr-3288	369	7	&	&	CCONJ
fsr-3288	369	8	sons	son	NOUN
fsr-3288	369	9	.	.	PUNCT
fsr-3288	370	1	carmines	carmines	PROPN
fsr-3288	370	2	,	,	PUNCT
fsr-3288	370	3	e.	e.	PROPN
fsr-3288	370	4	g.	g.	PROPN
fsr-3288	370	5	,	,	PUNCT
fsr-3288	370	6	&	&	CCONJ
fsr-3288	370	7	zeller	zeller	PROPN
fsr-3288	370	8	,	,	PUNCT
fsr-3288	370	9	r.	r.	PROPN
fsr-3288	370	10	a.	a.	PROPN
fsr-3288	370	11	(	(	PUNCT
fsr-3288	370	12	1979	1979	NUM
fsr-3288	370	13	)	)	PUNCT
fsr-3288	370	14	.	.	PUNCT
fsr-3288	371	1	reliability	reliability	NOUN
fsr-3288	371	2	and	and	CCONJ
fsr-3288	371	3	validity	validity	NOUN
fsr-3288	371	4	assessment	assessment	NOUN
fsr-3288	371	5	.	.	PUNCT
fsr-3288	372	1	thousand	thousand	NUM
fsr-3288	372	2	oaks	oak	NOUN
fsr-3288	372	3	,	,	PUNCT
fsr-3288	372	4	ca	can	AUX
fsr-3288	372	5	:	:	PUNCT
fsr-3288	372	6	sage	sage	NOUN
fsr-3288	372	7	publications	publication	NOUN
fsr-3288	372	8	,	,	PUNCT
fsr-3288	372	9	inc	inc	PROPN
fsr-3288	372	10	.	.	PROPN
fsr-3288	372	11	cfp	cfp	PROPN
fsr-3288	372	12	board	board	PROPN
fsr-3288	372	13	.	.	PUNCT
fsr-3288	373	1	(	(	PUNCT
fsr-3288	373	2	2013	2013	NUM
fsr-3288	373	3	)	)	PUNCT
fsr-3288	373	4	.	.	PUNCT
fsr-3288	374	1	standard	standard	NOUN
fsr-3288	374	2	of	of	ADP
fsr-3288	374	3	professional	professional	ADJ
fsr-3288	374	4	conduct	conduct	NOUN
fsr-3288	374	5	(	(	PUNCT
fsr-3288	374	6	available	available	ADJ
fsr-3288	374	7	at	at	ADP
fsr-3288	374	8	:	:	PUNCT
fsr-3288	374	9	https://www.cfp.net/docs/ethics-enforcement/	https://www.cfp.net/docs/ethics-enforcement/	PROPN
fsr-3288	374	10	standards-of-professional-conduct-final.pdf?sfvrsn�2	standards-of-professional-conduct-final.pdf?sfvrsn�2	PROPN
fsr-3288	374	11	)	)	PUNCT
fsr-3288	374	12	.	.	PUNCT
fsr-3288	375	1	collins	collins	PROPN
fsr-3288	375	2	,	,	PUNCT
fsr-3288	375	3	j.	j.	PROPN
fsr-3288	375	4	m.	m.	PROPN
fsr-3288	375	5	(	(	PUNCT
fsr-3288	375	6	2012	2012	NUM
fsr-3288	375	7	)	)	PUNCT
fsr-3288	375	8	.	.	PUNCT
fsr-3288	376	1	financial	financial	ADJ
fsr-3288	376	2	advice	advice	NOUN
fsr-3288	376	3	:	:	PUNCT
fsr-3288	376	4	a	a	DET
fsr-3288	376	5	substitute	substitute	NOUN
fsr-3288	376	6	for	for	ADP
fsr-3288	376	7	financial	financial	ADJ
fsr-3288	376	8	literacy	literacy	NOUN
fsr-3288	376	9	?	?	PUNCT
fsr-3288	377	1	financial	financial	ADJ
fsr-3288	377	2	services	service	NOUN
fsr-3288	377	3	review	review	PROPN
fsr-3288	377	4	,	,	PUNCT
fsr-3288	377	5	21	21	NUM
fsr-3288	377	6	,	,	PUNCT
fsr-3288	377	7	307–322	307–322	NUM
fsr-3288	377	8	.	.	PUNCT
fsr-3288	377	9	cummings	cummings	PROPN
fsr-3288	377	10	,	,	PUNCT
fsr-3288	377	11	b.	b.	PROPN
fsr-3288	377	12	f.	f.	PROPN
fsr-3288	377	13	,	,	PUNCT
fsr-3288	377	14	&	&	CCONJ
fsr-3288	377	15	james	james	PROPN
fsr-3288	377	16	iii	iii	PROPN
fsr-3288	377	17	,	,	PUNCT
fsr-3288	377	18	r.	r.	PROPN
fsr-3288	377	19	n.	n.	PROPN
fsr-3288	377	20	(	(	PUNCT
fsr-3288	377	21	2014	2014	NUM
fsr-3288	377	22	)	)	PUNCT
fsr-3288	377	23	.	.	PUNCT
fsr-3288	378	1	factors	factor	NOUN
fsr-3288	378	2	associated	associate	VERB
fsr-3288	378	3	with	with	ADP
fsr-3288	378	4	getting	get	VERB
fsr-3288	378	5	and	and	CCONJ
fsr-3288	378	6	dropping	drop	VERB
fsr-3288	378	7	financial	financial	ADJ
fsr-3288	378	8	advisors	advisor	NOUN
fsr-3288	378	9	among	among	ADP
fsr-3288	378	10	older	old	ADJ
fsr-3288	378	11	adults	adult	NOUN
fsr-3288	378	12	:	:	PUNCT
fsr-3288	378	13	evidence	evidence	NOUN
fsr-3288	378	14	from	from	ADP
fsr-3288	378	15	longitudinal	longitudinal	ADJ
fsr-3288	378	16	data	datum	NOUN
fsr-3288	378	17	.	.	PUNCT
fsr-3288	379	1	journal	journal	PROPN
fsr-3288	379	2	of	of	ADP
fsr-3288	379	3	financial	financial	ADJ
fsr-3288	379	4	counseling	counseling	NOUN
fsr-3288	379	5	and	and	CCONJ
fsr-3288	379	6	planning	planning	NOUN
fsr-3288	379	7	,	,	PUNCT
fsr-3288	379	8	25	25	NUM
fsr-3288	379	9	,	,	PUNCT
fsr-3288	379	10	129–147	129–147	NUM
fsr-3288	379	11	.	.	PUNCT
fsr-3288	380	1	devellis	devellis	PROPN
fsr-3288	380	2	,	,	PUNCT
fsr-3288	380	3	r.	r.	PROPN
fsr-3288	380	4	f.	f.	PROPN
fsr-3288	380	5	(	(	PUNCT
fsr-3288	380	6	2012	2012	NUM
fsr-3288	380	7	)	)	PUNCT
fsr-3288	380	8	.	.	PUNCT
fsr-3288	381	1	scale	scale	NOUN
fsr-3288	381	2	development	development	NOUN
fsr-3288	381	3	:	:	PUNCT
fsr-3288	381	4	theory	theory	NOUN
fsr-3288	381	5	and	and	CCONJ
fsr-3288	381	6	applications	application	NOUN
fsr-3288	381	7	(	(	PUNCT
fsr-3288	381	8	3rd	3rd	ADJ
fsr-3288	381	9	ed	ed	NOUN
fsr-3288	381	10	.	.	PUNCT
fsr-3288	381	11	)	)	PUNCT
fsr-3288	381	12	.	.	PUNCT
fsr-3288	382	1	thousand	thousand	NUM
fsr-3288	382	2	oaks	oak	NOUN
fsr-3288	382	3	,	,	PUNCT
fsr-3288	382	4	ca	can	AUX
fsr-3288	382	5	:	:	PUNCT
fsr-3288	382	6	sage	sage	NOUN
fsr-3288	382	7	publications	publication	NOUN
fsr-3288	382	8	.	.	PUNCT
fsr-3288	383	1	eccles	eccles	PROPN
fsr-3288	383	2	,	,	PUNCT
fsr-3288	383	3	d.	d.	PROPN
fsr-3288	383	4	w.	w.	PROPN
fsr-3288	383	5	,	,	PUNCT
fsr-3288	383	6	ward	ward	NOUN
fsr-3288	383	7	,	,	PUNCT
fsr-3288	383	8	p.	p.	NOUN
fsr-3288	383	9	,	,	PUNCT
fsr-3288	383	10	goldsmith	goldsmith	PROPN
fsr-3288	383	11	,	,	PUNCT
fsr-3288	383	12	e.	e.	PROPN
fsr-3288	383	13	,	,	PUNCT
fsr-3288	383	14	&	&	CCONJ
fsr-3288	383	15	arsal	arsal	PROPN
fsr-3288	383	16	,	,	PUNCT
fsr-3288	383	17	g.	g.	PROPN
fsr-3288	383	18	(	(	PUNCT
fsr-3288	383	19	2013	2013	NUM
fsr-3288	383	20	)	)	PUNCT
fsr-3288	383	21	.	.	PUNCT
fsr-3288	384	1	the	the	DET
fsr-3288	384	2	relationship	relationship	NOUN
fsr-3288	384	3	between	between	ADP
fsr-3288	384	4	retirement	retirement	NOUN
fsr-3288	384	5	wealth	wealth	NOUN
fsr-3288	384	6	and	and	CCONJ
fsr-3288	384	7	householders	householder	NOUN
fsr-3288	384	8	’	’	PART
fsr-3288	384	9	lifetime	lifetime	NOUN
fsr-3288	384	10	personal	personal	ADJ
fsr-3288	384	11	financial	financial	ADJ
fsr-3288	384	12	and	and	CCONJ
fsr-3288	384	13	investing	investing	NOUN
fsr-3288	384	14	behaviors	behavior	NOUN
fsr-3288	384	15	.	.	PUNCT
fsr-3288	385	1	journal	journal	NOUN
fsr-3288	385	2	of	of	ADP
fsr-3288	385	3	consumer	consumer	NOUN
fsr-3288	385	4	affairs	affair	NOUN
fsr-3288	385	5	,	,	PUNCT
fsr-3288	385	6	47	47	NUM
fsr-3288	385	7	,	,	PUNCT
fsr-3288	385	8	432–464	432–464	NUM
fsr-3288	385	9	.	.	PUNCT
fsr-3288	386	1	doi:10.1111	doi:10.1111	PROPN
fsr-3288	386	2	/	/	SYM
fsr-3288	386	3	joca.12022	joca.12022	PROPN
fsr-3288	386	4	.	.	PUNCT
fsr-3288	386	5	elmerick	elmerick	PROPN
fsr-3288	386	6	,	,	PUNCT
fsr-3288	386	7	s.	s.	PROPN
fsr-3288	386	8	a.	a.	PROPN
fsr-3288	386	9	,	,	PUNCT
fsr-3288	386	10	montalto	montalto	PROPN
fsr-3288	386	11	,	,	PUNCT
fsr-3288	386	12	c.	c.	PROPN
fsr-3288	386	13	p.	p.	PROPN
fsr-3288	386	14	,	,	PUNCT
fsr-3288	386	15	&	&	CCONJ
fsr-3288	386	16	fox	fox	PROPN
fsr-3288	386	17	,	,	PUNCT
fsr-3288	386	18	j.	j.	PROPN
fsr-3288	386	19	j.	j.	PROPN
fsr-3288	386	20	(	(	PUNCT
fsr-3288	386	21	2002	2002	NUM
fsr-3288	386	22	)	)	PUNCT
fsr-3288	386	23	.	.	PUNCT
fsr-3288	387	1	use	use	NOUN
fsr-3288	387	2	of	of	ADP
fsr-3288	387	3	financial	financial	ADJ
fsr-3288	387	4	planners	planner	NOUN
fsr-3288	387	5	by	by	ADP
fsr-3288	387	6	u.s	u.s	PROPN
fsr-3288	387	7	.	.	PROPN
fsr-3288	387	8	households	household	NOUN
fsr-3288	387	9	.	.	PUNCT
fsr-3288	388	1	financial	financial	ADJ
fsr-3288	388	2	services	service	NOUN
fsr-3288	388	3	review	review	NOUN
fsr-3288	388	4	,	,	PUNCT
fsr-3288	388	5	11	11	NUM
fsr-3288	388	6	,	,	PUNCT
fsr-3288	388	7	217–231	217–231	NUM
fsr-3288	388	8	.	.	PUNCT
fsr-3288	389	1	gibson	gibson	PROPN
fsr-3288	389	2	,	,	PUNCT
fsr-3288	389	3	r.	r.	PROPN
fsr-3288	389	4	,	,	PUNCT
fsr-3288	389	5	michayluk	michayluk	PROPN
fsr-3288	389	6	,	,	PUNCT
fsr-3288	389	7	d.	d.	PROPN
fsr-3288	389	8	,	,	PUNCT
fsr-3288	389	9	&	&	CCONJ
fsr-3288	389	10	van	van	PROPN
fsr-3288	389	11	de	de	PROPN
fsr-3288	389	12	venter	venter	PROPN
fsr-3288	389	13	,	,	PUNCT
fsr-3288	389	14	g.	g.	PROPN
fsr-3288	389	15	(	(	PUNCT
fsr-3288	389	16	2013	2013	NUM
fsr-3288	389	17	)	)	PUNCT
fsr-3288	389	18	.	.	PUNCT
fsr-3288	390	1	financial	financial	ADJ
fsr-3288	390	2	risk	risk	NOUN
fsr-3288	390	3	tolerance	tolerance	NOUN
fsr-3288	390	4	:	:	PUNCT
fsr-3288	390	5	an	an	DET
fsr-3288	390	6	analysis	analysis	NOUN
fsr-3288	390	7	of	of	ADP
fsr-3288	390	8	unexplored	unexplored	ADJ
fsr-3288	390	9	factors	factor	NOUN
fsr-3288	390	10	.	.	PUNCT
fsr-3288	391	1	financial	financial	ADJ
fsr-3288	391	2	services	service	NOUN
fsr-3288	391	3	review	review	PROPN
fsr-3288	391	4	,	,	PUNCT
fsr-3288	391	5	22	22	NUM
fsr-3288	391	6	,	,	PUNCT
fsr-3288	391	7	23–50	23–50	NUM
fsr-3288	391	8	.	.	PUNCT
fsr-3288	392	1	hanna	hanna	PROPN
fsr-3288	392	2	,	,	PUNCT
fsr-3288	392	3	s.	s.	PROPN
fsr-3288	392	4	d.	d.	PROPN
fsr-3288	392	5	(	(	PUNCT
fsr-3288	392	6	2011	2011	NUM
fsr-3288	392	7	)	)	PUNCT
fsr-3288	392	8	.	.	PUNCT
fsr-3288	393	1	the	the	DET
fsr-3288	393	2	demand	demand	NOUN
fsr-3288	393	3	for	for	ADP
fsr-3288	393	4	financial	financial	ADJ
fsr-3288	393	5	planning	planning	NOUN
fsr-3288	393	6	services	service	NOUN
fsr-3288	393	7	.	.	PUNCT
fsr-3288	394	1	journal	journal	NOUN
fsr-3288	394	2	of	of	ADP
fsr-3288	394	3	personal	personal	ADJ
fsr-3288	394	4	finance	finance	NOUN
fsr-3288	394	5	,	,	PUNCT
fsr-3288	394	6	10	10	NUM
fsr-3288	394	7	,	,	PUNCT
fsr-3288	394	8	36–62	36–62	NUM
fsr-3288	394	9	.	.	PUNCT
fsr-3288	395	1	heckman	heckman	PROPN
fsr-3288	395	2	,	,	PUNCT
fsr-3288	395	3	s.	s.	PROPN
fsr-3288	395	4	j.	j.	PROPN
fsr-3288	395	5	,	,	PUNCT
fsr-3288	395	6	&	&	CCONJ
fsr-3288	395	7	hanna	hanna	PROPN
fsr-3288	395	8	,	,	PUNCT
fsr-3288	395	9	s.	s.	PROPN
fsr-3288	395	10	d.	d.	PROPN
fsr-3288	395	11	(	(	PUNCT
fsr-3288	395	12	2015	2015	NUM
fsr-3288	395	13	)	)	PUNCT
fsr-3288	395	14	.	.	PUNCT
fsr-3288	396	1	individual	individual	ADJ
fsr-3288	396	2	and	and	CCONJ
fsr-3288	396	3	institutional	institutional	ADJ
fsr-3288	396	4	factors	factor	NOUN
fsr-3288	396	5	related	relate	VERB
fsr-3288	396	6	to	to	ADP
fsr-3288	396	7	low	low	ADJ
fsr-3288	396	8	-	-	PUNCT
fsr-3288	396	9	income	income	NOUN
fsr-3288	396	10	household	household	NOUN
fsr-3288	396	11	saving	saving	NOUN
fsr-3288	396	12	behavior	behavior	NOUN
fsr-3288	396	13	.	.	PUNCT
fsr-3288	397	1	journal	journal	PROPN
fsr-3288	397	2	of	of	ADP
fsr-3288	397	3	financial	financial	ADJ
fsr-3288	397	4	counseling	counseling	NOUN
fsr-3288	397	5	&	&	CCONJ
fsr-3288	397	6	planning	planning	NOUN
fsr-3288	397	7	,	,	PUNCT
fsr-3288	397	8	26	26	NUM
fsr-3288	397	9	,	,	PUNCT
fsr-3288	397	10	187–199	187–199	NUM
fsr-3288	397	11	.	.	PUNCT
fsr-3288	398	1	hudson	hudson	PROPN
fsr-3288	398	2	,	,	PUNCT
fsr-3288	398	3	c.	c.	PROPN
fsr-3288	398	4	r.	r.	PROPN
fsr-3288	398	5	,	,	PUNCT
fsr-3288	398	6	&	&	CCONJ
fsr-3288	398	7	palmer	palmer	PROPN
fsr-3288	398	8	,	,	PUNCT
fsr-3288	398	9	l.	l.	PROPN
fsr-3288	398	10	(	(	PUNCT
fsr-3288	398	11	2014	2014	NUM
fsr-3288	398	12	)	)	PUNCT
fsr-3288	398	13	.	.	PUNCT
fsr-3288	399	1	low	low	ADJ
fsr-3288	399	2	-	-	PUNCT
fsr-3288	399	3	income	income	NOUN
fsr-3288	399	4	employees	employee	NOUN
fsr-3288	399	5	:	:	PUNCT
fsr-3288	399	6	the	the	DET
fsr-3288	399	7	relationship	relationship	NOUN
fsr-3288	399	8	between	between	ADP
fsr-3288	399	9	information	information	NOUN
fsr-3288	399	10	from	from	ADP
fsr-3288	399	11	formal	formal	ADJ
fsr-3288	399	12	advisors	advisor	NOUN
fsr-3288	399	13	and	and	CCONJ
fsr-3288	399	14	financial	financial	ADJ
fsr-3288	399	15	behaviors	behavior	NOUN
fsr-3288	399	16	.	.	PUNCT
fsr-3288	400	1	financial	financial	ADJ
fsr-3288	400	2	services	service	NOUN
fsr-3288	400	3	review	review	PROPN
fsr-3288	400	4	,	,	PUNCT
fsr-3288	400	5	23	23	NUM
fsr-3288	400	6	,	,	PUNCT
fsr-3288	400	7	25–43	25–43	NUM
fsr-3288	400	8	.	.	PUNCT
fsr-3288	401	1	kim	kim	PROPN
fsr-3288	401	2	,	,	PUNCT
fsr-3288	401	3	k.	k.	PROPN
fsr-3288	401	4	,	,	PUNCT
fsr-3288	401	5	&	&	CCONJ
fsr-3288	401	6	hanna	hanna	PROPN
fsr-3288	401	7	,	,	PUNCT
fsr-3288	401	8	s.	s.	PROPN
fsr-3288	401	9	d.	d.	PROPN
fsr-3288	401	10	(	(	PUNCT
fsr-3288	401	11	2015	2015	NUM
fsr-3288	401	12	)	)	PUNCT
fsr-3288	401	13	.	.	PUNCT
fsr-3288	402	1	do	do	AUX
fsr-3288	402	2	u.s	u.s	PROPN
fsr-3288	402	3	.	.	PROPN
fsr-3288	402	4	households	household	NOUN
fsr-3288	402	5	perceive	perceive	VERB
fsr-3288	402	6	their	their	PRON
fsr-3288	402	7	retirement	retirement	NOUN
fsr-3288	402	8	preparedness	preparedness	NOUN
fsr-3288	402	9	realistically	realistically	ADV
fsr-3288	402	10	?	?	PUNCT
fsr-3288	403	1	financial	financial	ADJ
fsr-3288	403	2	services	service	NOUN
fsr-3288	403	3	review	review	NOUN
fsr-3288	403	4	,	,	PUNCT
fsr-3288	403	5	24	24	NUM
fsr-3288	403	6	,	,	PUNCT
fsr-3288	403	7	139–155	139–155	NUM
fsr-3288	403	8	.	.	PUNCT
fsr-3288	404	1	knoll	knoll	PROPN
fsr-3288	404	2	,	,	PUNCT
fsr-3288	404	3	m.	m.	NOUN
fsr-3288	404	4	a.	a.	PROPN
fsr-3288	404	5	z.	z.	PROPN
fsr-3288	404	6	,	,	PUNCT
fsr-3288	404	7	&	&	CCONJ
fsr-3288	404	8	houts	hout	NOUN
fsr-3288	404	9	,	,	PUNCT
fsr-3288	404	10	c.	c.	PROPN
fsr-3288	404	11	r.	r.	PROPN
fsr-3288	404	12	(	(	PUNCT
fsr-3288	404	13	2012	2012	NUM
fsr-3288	404	14	)	)	PUNCT
fsr-3288	404	15	.	.	PUNCT
fsr-3288	405	1	the	the	DET
fsr-3288	405	2	financial	financial	ADJ
fsr-3288	405	3	knowledge	knowledge	NOUN
fsr-3288	405	4	scale	scale	NOUN
fsr-3288	405	5	:	:	PUNCT
fsr-3288	405	6	an	an	DET
fsr-3288	405	7	application	application	NOUN
fsr-3288	405	8	of	of	ADP
fsr-3288	405	9	item	item	NOUN
fsr-3288	405	10	response	response	NOUN
fsr-3288	405	11	theory	theory	NOUN
fsr-3288	405	12	to	to	ADP
fsr-3288	405	13	the	the	DET
fsr-3288	405	14	assessment	assessment	NOUN
fsr-3288	405	15	of	of	ADP
fsr-3288	405	16	financial	financial	ADJ
fsr-3288	405	17	literacy	literacy	NOUN
fsr-3288	405	18	.	.	PUNCT
fsr-3288	406	1	journal	journal	NOUN
fsr-3288	406	2	of	of	ADP
fsr-3288	406	3	consumer	consumer	NOUN
fsr-3288	406	4	affairs	affair	NOUN
fsr-3288	406	5	,	,	PUNCT
fsr-3288	406	6	46	46	NUM
fsr-3288	406	7	,	,	PUNCT
fsr-3288	406	8	381–410	381–410	NUM
fsr-3288	406	9	.	.	PUNCT
fsr-3288	407	1	doi:10.1111	doi:10.1111	ADJ
fsr-3288	407	2	/	/	SYM
fsr-3288	407	3	j.17456606.2012.01241.x	j.17456606.2012.01241.x	NOUN
fsr-3288	407	4	.	.	PUNCT
fsr-3288	408	1	kuzniak	kuzniak	PROPN
fsr-3288	408	2	,	,	PUNCT
fsr-3288	408	3	s.	s.	PROPN
fsr-3288	408	4	,	,	PUNCT
fsr-3288	408	5	rabbani	rabbani	PROPN
fsr-3288	408	6	,	,	PUNCT
fsr-3288	408	7	a.	a.	PROPN
fsr-3288	408	8	,	,	PUNCT
fsr-3288	408	9	heo	heo	PROPN
fsr-3288	408	10	,	,	PUNCT
fsr-3288	408	11	w.	w.	PROPN
fsr-3288	408	12	,	,	PUNCT
fsr-3288	408	13	ruiz	ruiz	NOUN
fsr-3288	408	14	-	-	PUNCT
fsr-3288	408	15	menjivar	menjivar	NOUN
fsr-3288	408	16	,	,	PUNCT
fsr-3288	408	17	j.	j.	PROPN
fsr-3288	408	18	,	,	PUNCT
fsr-3288	408	19	&	&	CCONJ
fsr-3288	408	20	grable	grable	PROPN
fsr-3288	408	21	,	,	PUNCT
fsr-3288	408	22	j.	j.	PROPN
fsr-3288	408	23	e.	e.	PROPN
fsr-3288	408	24	(	(	PUNCT
fsr-3288	408	25	2015	2015	NUM
fsr-3288	408	26	)	)	PUNCT
fsr-3288	408	27	.	.	PUNCT
fsr-3288	409	1	the	the	DET
fsr-3288	409	2	grable	grable	PROPN
fsr-3288	409	3	and	and	CCONJ
fsr-3288	409	4	lytton	lytton	PROPN
fsr-3288	409	5	risktolerance	risktolerance	PROPN
fsr-3288	409	6	scale	scale	PROPN
fsr-3288	409	7	:	:	PUNCT
fsr-3288	409	8	a	a	DET
fsr-3288	409	9	15	15	NUM
fsr-3288	409	10	-	-	PUNCT
fsr-3288	409	11	year	year	NOUN
fsr-3288	409	12	retrospective	retrospective	NOUN
fsr-3288	409	13	.	.	PUNCT
fsr-3288	410	1	financial	financial	ADJ
fsr-3288	410	2	services	service	NOUN
fsr-3288	410	3	review	review	PROPN
fsr-3288	410	4	,	,	PUNCT
fsr-3288	410	5	24	24	NUM
fsr-3288	410	6	,	,	PUNCT
fsr-3288	410	7	177–192	177–192	NUM
fsr-3288	410	8	.	.	PUNCT
fsr-3288	411	1	lachance	lachance	NOUN
fsr-3288	411	2	,	,	PUNCT
fsr-3288	411	3	m.-e	m.-e	PROPN
fsr-3288	411	4	.	.	PUNCT
fsr-3288	411	5	,	,	PUNCT
fsr-3288	411	6	&	&	CCONJ
fsr-3288	411	7	tang	tang	PROPN
fsr-3288	411	8	,	,	PUNCT
fsr-3288	411	9	n.	n.	NOUN
fsr-3288	411	10	(	(	PUNCT
fsr-3288	411	11	2012	2012	NUM
fsr-3288	411	12	)	)	PUNCT
fsr-3288	411	13	.	.	PUNCT
fsr-3288	412	1	financial	financial	ADJ
fsr-3288	412	2	advice	advice	NOUN
fsr-3288	412	3	and	and	CCONJ
fsr-3288	412	4	trust	trust	NOUN
fsr-3288	412	5	.	.	PUNCT
fsr-3288	413	1	financial	financial	ADJ
fsr-3288	413	2	services	services	PROPN
fsr-3288	413	3	review	review	PROPN
fsr-3288	413	4	,	,	PUNCT
fsr-3288	413	5	21	21	NUM
fsr-3288	413	6	,	,	PUNCT
fsr-3288	413	7	209–226	209–226	NUM
fsr-3288	413	8	.	.	PUNCT
fsr-3288	414	1	martin	martin	PROPN
fsr-3288	414	2	jr	jr	PROPN
fsr-3288	414	3	.	.	PROPN
fsr-3288	414	4	,	,	PUNCT
fsr-3288	414	5	t.	t.	PROPN
fsr-3288	414	6	k.	k.	PROPN
fsr-3288	414	7	,	,	PUNCT
fsr-3288	414	8	finke	finke	PROPN
fsr-3288	414	9	,	,	PUNCT
fsr-3288	414	10	m.	m.	NOUN
fsr-3288	414	11	,	,	PUNCT
fsr-3288	414	12	&	&	CCONJ
fsr-3288	414	13	gibson	gibson	PROPN
fsr-3288	414	14	,	,	PUNCT
fsr-3288	414	15	p.	p.	NOUN
fsr-3288	414	16	(	(	PUNCT
fsr-3288	414	17	2014	2014	NUM
fsr-3288	414	18	)	)	PUNCT
fsr-3288	414	19	.	.	PUNCT
fsr-3288	415	1	race	race	NOUN
fsr-3288	415	2	,	,	PUNCT
fsr-3288	415	3	trust	trust	NOUN
fsr-3288	415	4	,	,	PUNCT
fsr-3288	415	5	and	and	CCONJ
fsr-3288	415	6	retirement	retirement	NOUN
fsr-3288	415	7	decisions	decision	NOUN
fsr-3288	415	8	.	.	PUNCT
fsr-3288	416	1	journal	journal	NOUN
fsr-3288	416	2	of	of	ADP
fsr-3288	416	3	personal	personal	ADJ
fsr-3288	416	4	finance	finance	NOUN
fsr-3288	416	5	,	,	PUNCT
fsr-3288	416	6	13	13	NUM
fsr-3288	416	7	,	,	PUNCT
fsr-3288	416	8	62–71	62–71	NOUN
fsr-3288	416	9	.	.	PUNCT
fsr-3288	417	1	martin	martin	PROPN
fsr-3288	417	2	jr	jr	PROPN
fsr-3288	417	3	.	.	PROPN
fsr-3288	417	4	,	,	PUNCT
fsr-3288	417	5	t.	t.	PROPN
fsr-3288	417	6	k.	k.	PROPN
fsr-3288	417	7	,	,	PUNCT
fsr-3288	417	8	&	&	CCONJ
fsr-3288	417	9	finke	finke	PROPN
fsr-3288	417	10	,	,	PUNCT
fsr-3288	417	11	m.	m.	NOUN
fsr-3288	417	12	s.	s.	PROPN
fsr-3288	417	13	(	(	PUNCT
fsr-3288	417	14	2014	2014	NUM
fsr-3288	417	15	)	)	PUNCT
fsr-3288	417	16	.	.	PUNCT
fsr-3288	418	1	a	a	DET
fsr-3288	418	2	comparison	comparison	NOUN
fsr-3288	418	3	of	of	ADP
fsr-3288	418	4	retirement	retirement	NOUN
fsr-3288	418	5	strategies	strategy	NOUN
fsr-3288	418	6	and	and	CCONJ
fsr-3288	418	7	financial	financial	ADJ
fsr-3288	418	8	planner	planner	NOUN
fsr-3288	418	9	value	value	NOUN
fsr-3288	418	10	.	.	PUNCT
fsr-3288	419	1	journal	journal	NOUN
fsr-3288	419	2	of	of	ADP
fsr-3288	419	3	financial	financial	ADJ
fsr-3288	419	4	planning	planning	NOUN
fsr-3288	419	5	,	,	PUNCT
fsr-3288	419	6	27	27	NUM
fsr-3288	419	7	,	,	PUNCT
fsr-3288	419	8	46–53	46–53	NUM
fsr-3288	419	9	.	.	PUNCT
fsr-3288	420	1	moulton	moulton	PROPN
fsr-3288	420	2	,	,	PUNCT
fsr-3288	420	3	s.	s.	PROPN
fsr-3288	420	4	,	,	PUNCT
fsr-3288	420	5	loibl	loibl	PROPN
fsr-3288	420	6	,	,	PUNCT
fsr-3288	420	7	c.	c.	PROPN
fsr-3288	420	8	,	,	PUNCT
fsr-3288	420	9	samak	samak	PROPN
fsr-3288	420	10	,	,	PUNCT
fsr-3288	420	11	a.	a.	PROPN
fsr-3288	420	12	,	,	PUNCT
fsr-3288	420	13	&	&	CCONJ
fsr-3288	420	14	collins	collins	PROPN
fsr-3288	420	15	,	,	PUNCT
fsr-3288	420	16	j.	j.	PROPN
fsr-3288	420	17	m.	m.	PROPN
fsr-3288	420	18	(	(	PUNCT
fsr-3288	420	19	2013	2013	NUM
fsr-3288	420	20	)	)	PUNCT
fsr-3288	420	21	.	.	PUNCT
fsr-3288	421	1	borrowing	borrowing	NOUN
fsr-3288	421	2	capacity	capacity	NOUN
fsr-3288	421	3	and	and	CCONJ
fsr-3288	421	4	financial	financial	ADJ
fsr-3288	421	5	decisions	decision	NOUN
fsr-3288	421	6	of	of	ADP
fsr-3288	421	7	low	low	ADJ
fsr-3288	421	8	-	-	PUNCT
fsr-3288	421	9	to	to	ADP
fsr-3288	421	10	-	-	PUNCT
fsr-3288	421	11	moderate	moderate	ADJ
fsr-3288	421	12	income	income	NOUN
fsr-3288	421	13	first	first	ADJ
fsr-3288	421	14	-	-	PUNCT
fsr-3288	421	15	time	time	NOUN
fsr-3288	421	16	homebuyers	homebuyer	NOUN
fsr-3288	421	17	.	.	PUNCT
fsr-3288	422	1	journal	journal	NOUN
fsr-3288	422	2	of	of	ADP
fsr-3288	422	3	consumer	consumer	NOUN
fsr-3288	422	4	affairs	affair	NOUN
fsr-3288	422	5	,	,	PUNCT
fsr-3288	422	6	47	47	NUM
fsr-3288	422	7	,	,	PUNCT
fsr-3288	422	8	375–403	375–403	NUM
fsr-3288	422	9	.	.	PUNCT
fsr-3288	423	1	doi:10.1111/	doi:10.1111/	PROPN
fsr-3288	423	2	joca.12021	joca.12021	PROPN
fsr-3288	423	3	.	.	PROPN
fsr-3288	423	4	park	park	PROPN
fsr-3288	423	5	,	,	PUNCT
fsr-3288	423	6	e.	e.	PROPN
fsr-3288	423	7	,	,	PUNCT
fsr-3288	423	8	&	&	CCONJ
fsr-3288	423	9	yao	yao	PROPN
fsr-3288	423	10	,	,	PUNCT
fsr-3288	423	11	r.	r.	PROPN
fsr-3288	423	12	(	(	PUNCT
fsr-3288	423	13	2015	2015	NUM
fsr-3288	423	14	)	)	PUNCT
fsr-3288	423	15	.	.	PUNCT
fsr-3288	424	1	financial	financial	ADJ
fsr-3288	424	2	risk	risk	NOUN
fsr-3288	424	3	attitude	attitude	NOUN
fsr-3288	424	4	and	and	CCONJ
fsr-3288	424	5	behavior	behavior	NOUN
fsr-3288	424	6	:	:	PUNCT
fsr-3288	425	1	do	do	AUX
fsr-3288	425	2	planners	planner	NOUN
fsr-3288	425	3	help	help	VERB
fsr-3288	425	4	increase	increase	VERB
fsr-3288	425	5	consistency	consistency	NOUN
fsr-3288	425	6	?	?	PUNCT
fsr-3288	426	1	journal	journal	NOUN
fsr-3288	426	2	of	of	ADP
fsr-3288	426	3	family	family	NOUN
fsr-3288	426	4	and	and	CCONJ
fsr-3288	426	5	economic	economic	ADJ
fsr-3288	426	6	issues	issue	NOUN
fsr-3288	426	7	.	.	PUNCT
fsr-3288	427	1	advance	advance	VERB
fsr-3288	427	2	online	online	ADJ
fsr-3288	427	3	publication	publication	NOUN
fsr-3288	427	4	.	.	PUNCT
fsr-3288	428	1	doi:10.1007	doi:10.1007	VERB
fsr-3288	428	2	/	/	PUNCT
fsr-3288	429	1	s10834	s10834	NOUN
fsr-3288	429	2	-	-	PUNCT
fsr-3288	429	3	015	015	NUM
fsr-3288	429	4	-	-	PUNCT
fsr-3288	429	5	9469	9469	NUM
fsr-3288	429	6	-	-	SYM
fsr-3288	429	7	9	9	NUM
fsr-3288	429	8	.	.	X
fsr-3288	429	9	parker	parker	PROPN
fsr-3288	429	10	,	,	PUNCT
fsr-3288	429	11	a.	a.	NOUN
fsr-3288	429	12	m.	m.	NOUN
fsr-3288	429	13	,	,	PUNCT
fsr-3288	429	14	bruine	bruine	PROPN
fsr-3288	429	15	de	de	PROPN
fsr-3288	429	16	bruin	bruin	PROPN
fsr-3288	429	17	,	,	PUNCT
fsr-3288	429	18	w.	w.	PROPN
fsr-3288	429	19	,	,	PUNCT
fsr-3288	429	20	yoong	yoong	PROPN
fsr-3288	429	21	,	,	PUNCT
fsr-3288	429	22	j.	j.	PROPN
fsr-3288	429	23	,	,	PUNCT
fsr-3288	429	24	&	&	CCONJ
fsr-3288	429	25	willis	willis	PROPN
fsr-3288	429	26	,	,	PUNCT
fsr-3288	429	27	r.	r.	PROPN
fsr-3288	429	28	(	(	PUNCT
fsr-3288	429	29	2012	2012	NUM
fsr-3288	429	30	)	)	PUNCT
fsr-3288	429	31	.	.	PUNCT
fsr-3288	430	1	inappropriate	inappropriate	ADJ
fsr-3288	430	2	confidence	confidence	NOUN
fsr-3288	430	3	and	and	CCONJ
fsr-3288	430	4	retirement	retirement	NOUN
fsr-3288	430	5	planning	planning	NOUN
fsr-3288	430	6	:	:	PUNCT
fsr-3288	430	7	four	four	NUM
fsr-3288	430	8	studies	study	NOUN
fsr-3288	430	9	with	with	ADP
fsr-3288	430	10	a	a	DET
fsr-3288	430	11	national	national	ADJ
fsr-3288	430	12	sample	sample	NOUN
fsr-3288	430	13	.	.	PUNCT
fsr-3288	431	1	journal	journal	NOUN
fsr-3288	431	2	of	of	ADP
fsr-3288	431	3	behavioral	behavioral	ADJ
fsr-3288	431	4	decision	decision	NOUN
fsr-3288	431	5	making	making	NOUN
fsr-3288	431	6	,	,	PUNCT
fsr-3288	431	7	25	25	NUM
fsr-3288	431	8	,	,	PUNCT
fsr-3288	431	9	382–389	382–389	NUM
fsr-3288	431	10	.	.	PUNCT
fsr-3288	432	1	doi:10.1002	doi:10.1002	NOUN
fsr-3288	432	2	/	/	SYM
fsr-3288	432	3	bdm.745	bdm.745	NOUN
fsr-3288	432	4	.	.	PUNCT
fsr-3288	433	1	pricemetrix	pricemetrix	NOUN
fsr-3288	433	2	.	.	PUNCT
fsr-3288	434	1	(	(	PUNCT
fsr-3288	434	2	2013	2013	NUM
fsr-3288	434	3	)	)	PUNCT
fsr-3288	434	4	.	.	PUNCT
fsr-3288	435	1	stay	stay	VERB
fsr-3288	435	2	or	or	CCONJ
fsr-3288	435	3	stray	stray	VERB
fsr-3288	435	4	:	:	PUNCT
fsr-3288	435	5	putting	put	VERB
fsr-3288	435	6	some	some	DET
fsr-3288	435	7	number	number	NOUN
fsr-3288	435	8	behind	behind	ADP
fsr-3288	435	9	client	client	NOUN
fsr-3288	435	10	retention	retention	NOUN
fsr-3288	435	11	(	(	PUNCT
fsr-3288	435	12	available	available	ADJ
fsr-3288	435	13	at	at	ADP
fsr-3288	435	14	:	:	PUNCT
fsr-3288	435	15	http://www	http://www	PROPN
fsr-3288	435	16	.	.	PUNCT
fsr-3288	436	1	pricemetrix.com/cms/wp-content/uploads/pricemetrix-insights_stay-or-stray_english.pdf?t�1393101724	pricemetrix.com/cms/wp-content/uploads/pricemetrix-insights_stay-or-stray_english.pdf?t�1393101724	NOUN
fsr-3288	436	2	)	)	PUNCT
fsr-3288	436	3	.	.	PUNCT
fsr-3288	437	1	princeton	princeton	PROPN
fsr-3288	437	2	survey	survey	PROPN
fsr-3288	437	3	research	research	PROPN
fsr-3288	437	4	associates	associates	PROPN
fsr-3288	437	5	international	international	PROPN
fsr-3288	437	6	.	.	PUNCT
fsr-3288	438	1	(	(	PUNCT
fsr-3288	438	2	2013	2013	NUM
fsr-3288	438	3	)	)	PUNCT
fsr-3288	438	4	.	.	PUNCT
fsr-3288	439	1	financial	financial	ADJ
fsr-3288	439	2	planning	planning	NOUN
fsr-3288	439	3	profiles	profile	NOUN
fsr-3288	439	4	of	of	ADP
fsr-3288	439	5	american	american	ADJ
fsr-3288	439	6	households	household	NOUN
fsr-3288	439	7	:	:	PUNCT
fsr-3288	439	8	the	the	DET
fsr-3288	439	9	2013	2013	NUM
fsr-3288	439	10	household	household	NOUN
fsr-3288	439	11	financial	financial	ADJ
fsr-3288	439	12	planning	planning	NOUN
fsr-3288	439	13	survey	survey	NOUN
fsr-3288	439	14	and	and	CCONJ
fsr-3288	439	15	index	index	NOUN
fsr-3288	439	16	(	(	PUNCT
fsr-3288	439	17	available	available	ADJ
fsr-3288	439	18	at	at	ADP
fsr-3288	439	19	:	:	PUNCT
fsr-3288	439	20	http://www.cfp.net/docs/	http://www.cfp.net/docs/	PROPN
fsr-3288	439	21	public	public	ADJ
fsr-3288	439	22	-	-	PUNCT
fsr-3288	439	23	policy/2013	policy/2013	NOUN
fsr-3288	439	24	-	-	PUNCT
fsr-3288	439	25	fin	fin	NOUN
fsr-3288	439	26	-	-	PUNCT
fsr-3288	439	27	planning	planning	NOUN
fsr-3288	439	28	-	-	PUNCT
fsr-3288	439	29	profiles	profile	NOUN
fsr-3288	439	30	-	-	PUNCT
fsr-3288	439	31	of	of	ADP
fsr-3288	439	32	-	-	PUNCT
fsr-3288	439	33	amer	amer	NOUN
fsr-3288	439	34	-	-	PUNCT
fsr-3288	439	35	households.pdf	households.pdf	NOUN
fsr-3288	439	36	)	)	PUNCT
fsr-3288	439	37	.	.	PUNCT
fsr-3288	440	1	445s.j	445s.j	PROPN
fsr-3288	440	2	.	.	PUNCT
fsr-3288	441	1	heckman	heckman	PROPN
fsr-3288	441	2	et	et	PROPN
fsr-3288	441	3	al	al	PROPN
fsr-3288	441	4	.	.	PUNCT
fsr-3288	441	5	/	/	SYM
fsr-3288	441	6	financial	financial	ADJ
fsr-3288	441	7	services	service	NOUN
fsr-3288	441	8	review	review	VERB
fsr-3288	441	9	25	25	NUM
fsr-3288	441	10	(	(	PUNCT
fsr-3288	441	11	2016	2016	NUM
fsr-3288	441	12	)	)	PUNCT
fsr-3288	441	13	427–446	427–446	NUM
fsr-3288	441	14	robb	robb	NOUN
fsr-3288	441	15	,	,	PUNCT
fsr-3288	441	16	c.	c.	PROPN
fsr-3288	441	17	a.	a.	PROPN
fsr-3288	441	18	,	,	PUNCT
fsr-3288	441	19	babiarz	babiarz	PROPN
fsr-3288	441	20	,	,	PUNCT
fsr-3288	441	21	p.	p.	NOUN
fsr-3288	441	22	,	,	PUNCT
fsr-3288	441	23	&	&	CCONJ
fsr-3288	441	24	woodyard	woodyard	PROPN
fsr-3288	441	25	,	,	PUNCT
fsr-3288	441	26	a.	a.	NOUN
fsr-3288	441	27	(	(	PUNCT
fsr-3288	441	28	2012	2012	NUM
fsr-3288	441	29	)	)	PUNCT
fsr-3288	441	30	.	.	PUNCT
fsr-3288	442	1	the	the	DET
fsr-3288	442	2	demand	demand	NOUN
fsr-3288	442	3	for	for	ADP
fsr-3288	442	4	financial	financial	ADJ
fsr-3288	442	5	professionals	professional	NOUN
fsr-3288	442	6	’	'	PUNCT
fsr-3288	442	7	advice	advice	NOUN
fsr-3288	442	8	:	:	PUNCT
fsr-3288	442	9	the	the	DET
fsr-3288	442	10	role	role	NOUN
fsr-3288	442	11	of	of	ADP
fsr-3288	442	12	financial	financial	ADJ
fsr-3288	442	13	knowledge	knowledge	NOUN
fsr-3288	442	14	,	,	PUNCT
fsr-3288	442	15	satisfaction	satisfaction	NOUN
fsr-3288	442	16	,	,	PUNCT
fsr-3288	442	17	and	and	CCONJ
fsr-3288	442	18	confidence	confidence	NOUN
fsr-3288	442	19	.	.	PUNCT
fsr-3288	443	1	financial	financial	ADJ
fsr-3288	443	2	services	service	NOUN
fsr-3288	443	3	review	review	PROPN
fsr-3288	443	4	,	,	PUNCT
fsr-3288	443	5	21	21	NUM
fsr-3288	443	6	,	,	PUNCT
fsr-3288	443	7	291–305	291–305	NUM
fsr-3288	443	8	.	.	PUNCT
fsr-3288	444	1	sass	sas	VERB
fsr-3288	444	2	,	,	PUNCT
fsr-3288	444	3	s.	s.	PROPN
fsr-3288	444	4	a.	a.	PROPN
fsr-3288	444	5	,	,	PUNCT
fsr-3288	444	6	belbase	belbase	VERB
fsr-3288	444	7	,	,	PUNCT
fsr-3288	444	8	a.	a.	NOUN
fsr-3288	444	9	,	,	PUNCT
fsr-3288	444	10	cooperrider	cooperrider	NOUN
fsr-3288	444	11	,	,	PUNCT
fsr-3288	444	12	t.	t.	PROPN
fsr-3288	444	13	,	,	PUNCT
fsr-3288	444	14	&	&	CCONJ
fsr-3288	444	15	ramos	ramos	PROPN
fsr-3288	444	16	-	-	PROPN
fsr-3288	444	17	mercado	mercado	PROPN
fsr-3288	444	18	,	,	PUNCT
fsr-3288	444	19	j.	j.	PROPN
fsr-3288	444	20	d.	d.	PROPN
fsr-3288	444	21	(	(	PUNCT
fsr-3288	444	22	2015	2015	NUM
fsr-3288	444	23	)	)	PUNCT
fsr-3288	444	24	.	.	PUNCT
fsr-3288	445	1	what	what	PRON
fsr-3288	445	2	do	do	VERB
fsr-3288	445	3	subjective	subjective	ADJ
fsr-3288	445	4	assessments	assessment	NOUN
fsr-3288	445	5	of	of	ADP
fsr-3288	445	6	financial	financial	ADJ
fsr-3288	445	7	well	well	ADV
fsr-3288	445	8	-	-	PUNCT
fsr-3288	445	9	being	being	NOUN
fsr-3288	445	10	reflect	reflect	ADJ
fsr-3288	445	11	?	?	PUNCT
fsr-3288	446	1	journal	journal	NOUN
fsr-3288	446	2	of	of	ADP
fsr-3288	446	3	personal	personal	ADJ
fsr-3288	446	4	finance	finance	NOUN
fsr-3288	446	5	,	,	PUNCT
fsr-3288	446	6	14	14	NUM
fsr-3288	446	7	,	,	PUNCT
fsr-3288	446	8	21–33	21–33	NUM
fsr-3288	446	9	.	.	PUNCT
fsr-3288	446	10	scott	scott	PROPN
fsr-3288	446	11	,	,	PUNCT
fsr-3288	446	12	j.	j.	PROPN
fsr-3288	446	13	k.	k.	PROPN
fsr-3288	446	14	,	,	PUNCT
fsr-3288	446	15	&	&	CCONJ
fsr-3288	446	16	finke	finke	PROPN
fsr-3288	446	17	,	,	PUNCT
fsr-3288	446	18	m.	m.	NOUN
fsr-3288	446	19	s.	s.	PROPN
fsr-3288	446	20	(	(	PUNCT
fsr-3288	446	21	2013	2013	NUM
fsr-3288	446	22	)	)	PUNCT
fsr-3288	446	23	.	.	PUNCT
fsr-3288	447	1	the	the	DET
fsr-3288	447	2	demand	demand	NOUN
fsr-3288	447	3	for	for	ADP
fsr-3288	447	4	disability	disability	NOUN
fsr-3288	447	5	insurance	insurance	NOUN
fsr-3288	447	6	.	.	PUNCT
fsr-3288	448	1	financial	financial	ADJ
fsr-3288	448	2	services	service	NOUN
fsr-3288	448	3	review	review	PROPN
fsr-3288	448	4	,	,	PUNCT
fsr-3288	448	5	22	22	NUM
fsr-3288	448	6	,	,	PUNCT
fsr-3288	448	7	1–12	1–12	NOUN
fsr-3288	448	8	.	.	PUNCT
fsr-3288	449	1	scott	scott	PROPN
fsr-3288	449	2	,	,	PUNCT
fsr-3288	449	3	j.	j.	PROPN
fsr-3288	449	4	k.	k.	PROPN
fsr-3288	449	5	,	,	PUNCT
fsr-3288	449	6	&	&	CCONJ
fsr-3288	449	7	gilliam	gilliam	PROPN
fsr-3288	449	8	,	,	PUNCT
fsr-3288	449	9	j.	j.	PROPN
fsr-3288	449	10	(	(	PUNCT
fsr-3288	449	11	2014	2014	NUM
fsr-3288	449	12	)	)	PUNCT
fsr-3288	449	13	.	.	PUNCT
fsr-3288	450	1	boomers	boomer	NOUN
fsr-3288	450	2	’	’	PART
fsr-3288	450	3	life	life	NOUN
fsr-3288	450	4	insurance	insurance	NOUN
fsr-3288	450	5	adequacy	adequacy	NOUN
fsr-3288	450	6	pre	pre	X
fsr-3288	450	7	&	&	CCONJ
fsr-3288	450	8	post	post	VERB
fsr-3288	450	9	the	the	DET
fsr-3288	450	10	2008	2008	NUM
fsr-3288	450	11	financial	financial	ADJ
fsr-3288	450	12	crisis	crisis	NOUN
fsr-3288	450	13	.	.	PUNCT
fsr-3288	451	1	financial	financial	ADJ
fsr-3288	451	2	services	service	NOUN
fsr-3288	451	3	review	review	PROPN
fsr-3288	451	4	,	,	PUNCT
fsr-3288	451	5	23	23	NUM
fsr-3288	451	6	,	,	PUNCT
fsr-3288	451	7	287–304	287–304	NUM
fsr-3288	451	8	.	.	PUNCT
fsr-3288	452	1	simms	simms	PROPN
fsr-3288	452	2	,	,	PUNCT
fsr-3288	452	3	k.	k.	PROPN
fsr-3288	452	4	(	(	PUNCT
fsr-3288	452	5	2014	2014	NUM
fsr-3288	452	6	)	)	PUNCT
fsr-3288	452	7	.	.	PUNCT
fsr-3288	453	1	investor	investor	NOUN
fsr-3288	453	2	profiles	profile	NOUN
fsr-3288	453	3	:	:	PUNCT
fsr-3288	453	4	meaningful	meaningful	ADJ
fsr-3288	453	5	differences	difference	NOUN
fsr-3288	453	6	in	in	ADP
fsr-3288	453	7	women	woman	NOUN
fsr-3288	453	8	’s	’s	PART
fsr-3288	453	9	use	use	NOUN
fsr-3288	453	10	of	of	ADP
fsr-3288	453	11	investment	investment	NOUN
fsr-3288	453	12	advice	advice	NOUN
fsr-3288	453	13	?	?	PUNCT
fsr-3288	454	1	financial	financial	ADJ
fsr-3288	454	2	services	service	NOUN
fsr-3288	454	3	review	review	NOUN
fsr-3288	454	4	,	,	PUNCT
fsr-3288	454	5	23	23	NUM
fsr-3288	454	6	,	,	PUNCT
fsr-3288	454	7	273–286	273–286	NUM
fsr-3288	454	8	.	.	PUNCT
fsr-3288	455	1	society	society	NOUN
fsr-3288	455	2	of	of	ADP
fsr-3288	455	3	actuaries	actuary	NOUN
fsr-3288	455	4	.	.	PUNCT
fsr-3288	456	1	(	(	PUNCT
fsr-3288	456	2	2013	2013	NUM
fsr-3288	456	3	)	)	PUNCT
fsr-3288	456	4	.	.	PUNCT
fsr-3288	457	1	2013	2013	NUM
fsr-3288	457	2	risks	risk	NOUN
fsr-3288	457	3	and	and	CCONJ
fsr-3288	457	4	process	process	NOUN
fsr-3288	457	5	of	of	ADP
fsr-3288	457	6	retirement	retirement	NOUN
fsr-3288	457	7	survey	survey	NOUN
fsr-3288	457	8	(	(	PUNCT
fsr-3288	457	9	available	available	ADJ
fsr-3288	457	10	at	at	ADP
fsr-3288	457	11	:	:	PUNCT
fsr-3288	457	12	https://www.soa.org/	https://www.soa.org/	NOUN
fsr-3288	457	13	files	file	NOUN
fsr-3288	457	14	/	/	SYM
fsr-3288	457	15	research	research	NOUN
fsr-3288	457	16	/	/	SYM
fsr-3288	457	17	projects	project	NOUN
fsr-3288	457	18	/	/	SYM
fsr-3288	457	19	research-2013	research-2013	NOUN
fsr-3288	457	20	-	-	PUNCT
fsr-3288	457	21	retirement	retirement	NOUN
fsr-3288	457	22	-	-	PUNCT
fsr-3288	457	23	survey.pdf	survey.pdf	NOUN
fsr-3288	457	24	)	)	PUNCT
fsr-3288	457	25	.	.	PUNCT
fsr-3288	458	1	stevens	stevens	PROPN
fsr-3288	458	2	,	,	PUNCT
fsr-3288	458	3	s.	s.	PROPN
fsr-3288	458	4	s.	s.	PROPN
fsr-3288	458	5	(	(	PUNCT
fsr-3288	458	6	1951	1951	NUM
fsr-3288	458	7	)	)	PUNCT
fsr-3288	458	8	.	.	PUNCT
fsr-3288	459	1	mathematics	mathematic	NOUN
fsr-3288	459	2	,	,	PUNCT
fsr-3288	459	3	measurement	measurement	NOUN
fsr-3288	459	4	,	,	PUNCT
fsr-3288	459	5	and	and	CCONJ
fsr-3288	459	6	psychophysics	psychophysic	NOUN
fsr-3288	459	7	.	.	PUNCT
fsr-3288	460	1	in	in	ADP
fsr-3288	460	2	s.	s.	PROPN
fsr-3288	460	3	s.	s.	PROPN
fsr-3288	460	4	stevens	stevens	PROPN
fsr-3288	460	5	(	(	PUNCT
fsr-3288	460	6	ed	ed	NOUN
fsr-3288	460	7	.	.	PUNCT
fsr-3288	460	8	)	)	PUNCT
fsr-3288	460	9	,	,	PUNCT
fsr-3288	460	10	handbook	handbook	NOUN
fsr-3288	460	11	of	of	ADP
fsr-3288	460	12	experimental	experimental	ADJ
fsr-3288	460	13	psychology	psychology	NOUN
fsr-3288	460	14	(	(	PUNCT
fsr-3288	460	15	pp	pp	ADJ
fsr-3288	460	16	.	.	PUNCT
fsr-3288	460	17	1–49	1–49	PROPN
fsr-3288	460	18	)	)	PUNCT
fsr-3288	460	19	.	.	PUNCT
fsr-3288	461	1	new	new	PROPN
fsr-3288	461	2	york	york	PROPN
fsr-3288	461	3	,	,	PUNCT
fsr-3288	461	4	ny	ny	PROPN
fsr-3288	461	5	:	:	PUNCT
fsr-3288	461	6	wiley	wiley	PROPN
fsr-3288	461	7	.	.	PUNCT
fsr-3288	461	8	tang	tang	PROPN
fsr-3288	461	9	,	,	PUNCT
fsr-3288	461	10	n.	n.	NOUN
fsr-3288	461	11	,	,	PUNCT
fsr-3288	461	12	&	&	CCONJ
fsr-3288	461	13	lu	lu	PROPN
fsr-3288	461	14	,	,	PUNCT
fsr-3288	461	15	t.	t.	PROPN
fsr-3288	461	16	(	(	PUNCT
fsr-3288	461	17	2014	2014	NUM
fsr-3288	461	18	)	)	PUNCT
fsr-3288	461	19	.	.	PUNCT
fsr-3288	462	1	are	be	AUX
fsr-3288	462	2	your	your	PRON
fsr-3288	462	3	clients	client	NOUN
fsr-3288	462	4	making	make	VERB
fsr-3288	462	5	the	the	DET
fsr-3288	462	6	right	right	ADJ
fsr-3288	462	7	loan	loan	NOUN
fsr-3288	462	8	choice	choice	NOUN
fsr-3288	462	9	?	?	PUNCT
fsr-3288	463	1	journal	journal	NOUN
fsr-3288	463	2	of	of	ADP
fsr-3288	463	3	financial	financial	ADJ
fsr-3288	463	4	planning	planning	NOUN
fsr-3288	463	5	,	,	PUNCT
fsr-3288	463	6	27	27	NUM
fsr-3288	463	7	,	,	PUNCT
fsr-3288	463	8	39–47	39–47	NUM
fsr-3288	463	9	.	.	PUNCT
fsr-3288	463	10	warschauer	warschauer	NOUN
fsr-3288	463	11	,	,	PUNCT
fsr-3288	463	12	t.	t.	PROPN
fsr-3288	463	13	,	,	PUNCT
fsr-3288	463	14	&	&	CCONJ
fsr-3288	463	15	sciglimpaglia	sciglimpaglia	PROPN
fsr-3288	463	16	,	,	PUNCT
fsr-3288	463	17	d.	d.	PROPN
fsr-3288	463	18	(	(	PUNCT
fsr-3288	463	19	2012	2012	NUM
fsr-3288	463	20	)	)	PUNCT
fsr-3288	463	21	.	.	PUNCT
fsr-3288	464	1	the	the	DET
fsr-3288	464	2	economic	economic	ADJ
fsr-3288	464	3	benefits	benefit	NOUN
fsr-3288	464	4	of	of	ADP
fsr-3288	464	5	personal	personal	ADJ
fsr-3288	464	6	financial	financial	ADJ
fsr-3288	464	7	planning	planning	NOUN
fsr-3288	464	8	:	:	PUNCT
fsr-3288	464	9	an	an	DET
fsr-3288	464	10	empirical	empirical	ADJ
fsr-3288	464	11	analysis	analysis	NOUN
fsr-3288	464	12	.	.	PUNCT
fsr-3288	465	1	financial	financial	ADJ
fsr-3288	465	2	services	service	NOUN
fsr-3288	465	3	review	review	PROPN
fsr-3288	465	4	,	,	PUNCT
fsr-3288	465	5	21	21	NUM
fsr-3288	465	6	,	,	PUNCT
fsr-3288	465	7	195–208	195–208	NUM
fsr-3288	465	8	.	.	PUNCT
fsr-3288	466	1	winchester	winchester	PROPN
fsr-3288	466	2	,	,	PUNCT
fsr-3288	466	3	d.	d.	PROPN
fsr-3288	466	4	d.	d.	PROPN
fsr-3288	466	5	,	,	PUNCT
fsr-3288	466	6	&	&	CCONJ
fsr-3288	466	7	huston	huston	PROPN
fsr-3288	466	8	,	,	PUNCT
fsr-3288	466	9	s.	s.	PROPN
fsr-3288	466	10	j.	j.	PROPN
fsr-3288	466	11	(	(	PUNCT
fsr-3288	466	12	2014	2014	NUM
fsr-3288	466	13	)	)	PUNCT
fsr-3288	466	14	.	.	PUNCT
fsr-3288	467	1	does	do	AUX
fsr-3288	467	2	a	a	DET
fsr-3288	467	3	relationship	relationship	NOUN
fsr-3288	467	4	with	with	ADP
fsr-3288	467	5	a	a	DET
fsr-3288	467	6	financial	financial	ADJ
fsr-3288	467	7	service	service	NOUN
fsr-3288	467	8	professional	professional	NOUN
fsr-3288	467	9	overcome	overcome	VERB
fsr-3288	467	10	a	a	DET
fsr-3288	467	11	client	client	NOUN
fsr-3288	467	12	’s	’s	PART
fsr-3288	467	13	sense	sense	NOUN
fsr-3288	467	14	of	of	ADP
fsr-3288	467	15	not	not	PART
fsr-3288	467	16	being	be	AUX
fsr-3288	467	17	in	in	ADP
fsr-3288	467	18	control	control	NOUN
fsr-3288	467	19	of	of	ADP
fsr-3288	467	20	achieving	achieve	VERB
fsr-3288	467	21	their	their	PRON
fsr-3288	467	22	goals	goal	NOUN
fsr-3288	467	23	?	?	PUNCT
fsr-3288	468	1	financial	financial	ADJ
fsr-3288	468	2	services	service	NOUN
fsr-3288	468	3	review	review	PROPN
fsr-3288	468	4	,	,	PUNCT
fsr-3288	468	5	23	23	NUM
fsr-3288	468	6	,	,	PUNCT
fsr-3288	468	7	1–23	1–23	PROPN
fsr-3288	468	8	.	.	PUNCT
fsr-3288	469	1	zeller	zeller	PROPN
fsr-3288	469	2	,	,	PUNCT
fsr-3288	469	3	r.	r.	PROPN
fsr-3288	469	4	a.	a.	PROPN
fsr-3288	469	5	,	,	PUNCT
fsr-3288	469	6	&	&	CCONJ
fsr-3288	469	7	carmines	carmines	PROPN
fsr-3288	469	8	,	,	PUNCT
fsr-3288	469	9	e.	e.	PROPN
fsr-3288	469	10	g.	g.	PROPN
fsr-3288	469	11	(	(	PUNCT
fsr-3288	469	12	1980	1980	NUM
fsr-3288	469	13	)	)	PUNCT
fsr-3288	469	14	.	.	PUNCT
fsr-3288	470	1	measurement	measurement	NOUN
fsr-3288	470	2	in	in	ADP
fsr-3288	470	3	the	the	DET
fsr-3288	470	4	social	social	ADJ
fsr-3288	470	5	sciences	science	NOUN
fsr-3288	470	6	:	:	PUNCT
fsr-3288	470	7	the	the	DET
fsr-3288	470	8	link	link	NOUN
fsr-3288	470	9	between	between	ADP
fsr-3288	470	10	theory	theory	NOUN
fsr-3288	470	11	and	and	CCONJ
fsr-3288	470	12	data	datum	NOUN
fsr-3288	470	13	.	.	PUNCT
fsr-3288	471	1	cambridge	cambridge	PROPN
fsr-3288	471	2	,	,	PUNCT
fsr-3288	471	3	ma	ma	PROPN
fsr-3288	471	4	:	:	PUNCT
fsr-3288	471	5	cambridge	cambridge	PROPN
fsr-3288	471	6	university	university	PROPN
fsr-3288	471	7	press	press	NOUN
fsr-3288	471	8	.	.	PUNCT
fsr-3288	472	1	zick	zick	PROPN
fsr-3288	472	2	,	,	PUNCT
fsr-3288	472	3	c.	c.	PROPN
fsr-3288	472	4	d.	d.	PROPN
fsr-3288	472	5	,	,	PUNCT
fsr-3288	472	6	mayer	mayer	PROPN
fsr-3288	472	7	,	,	PUNCT
fsr-3288	472	8	r.	r.	PROPN
fsr-3288	472	9	n.	n.	PROPN
fsr-3288	472	10	,	,	PUNCT
fsr-3288	472	11	&	&	CCONJ
fsr-3288	472	12	kara	kara	PROPN
fsr-3288	472	13	,	,	PUNCT
fsr-3288	472	14	g.	g.	PROPN
fsr-3288	472	15	(	(	PUNCT
fsr-3288	472	16	2012	2012	NUM
fsr-3288	472	17	)	)	PUNCT
fsr-3288	472	18	.	.	PUNCT
fsr-3288	473	1	the	the	DET
fsr-3288	473	2	kids	kid	NOUN
fsr-3288	473	3	are	be	AUX
fsr-3288	473	4	all	all	ADV
fsr-3288	473	5	right	right	ADJ
fsr-3288	473	6	:	:	PUNCT
fsr-3288	473	7	generational	generational	ADJ
fsr-3288	473	8	differences	difference	NOUN
fsr-3288	473	9	in	in	ADP
fsr-3288	473	10	responses	response	NOUN
fsr-3288	473	11	to	to	ADP
fsr-3288	473	12	the	the	DET
fsr-3288	473	13	great	great	ADJ
fsr-3288	473	14	recession	recession	NOUN
fsr-3288	473	15	.	.	PUNCT
fsr-3288	474	1	journal	journal	NOUN
fsr-3288	474	2	of	of	ADP
fsr-3288	474	3	financial	financial	ADJ
fsr-3288	474	4	counseling	counseling	NOUN
fsr-3288	474	5	and	and	CCONJ
fsr-3288	474	6	planning	planning	NOUN
fsr-3288	474	7	,	,	PUNCT
fsr-3288	474	8	23	23	NUM
fsr-3288	474	9	,	,	PUNCT
fsr-3288	474	10	3–16	3–16	PROPN
fsr-3288	474	11	.	.	PROPN
fsr-3288	474	12	446	446	NUM
fsr-3288	474	13	s.j	s.j	PROPN
fsr-3288	474	14	.	.	PUNCT
fsr-3288	475	1	heckman	heckman	PROPN
fsr-3288	475	2	et	et	PROPN
fsr-3288	475	3	al	al	PROPN
fsr-3288	475	4	.	.	PUNCT
fsr-3288	475	5	/	/	SYM
fsr-3288	475	6	financial	financial	ADJ
fsr-3288	475	7	services	service	NOUN
fsr-3288	475	8	review	review	VERB
fsr-3288	475	9	25	25	NUM
fsr-3288	475	10	(	(	PUNCT
fsr-3288	475	11	2016	2016	NUM
fsr-3288	475	12	)	)	PUNCT
fsr-3288	475	13	427–446	427–446	NUM