id	sid	tid	token	lemma	pos
fsr-3290	1	1	from	from	ADP
fsr-3290	1	2	the	the	DET
fsr-3290	1	3	editor	editor	NOUN
fsr-3290	1	4	this	this	DET
fsr-3290	1	5	issue	issue	NOUN
fsr-3290	1	6	contains	contain	VERB
fsr-3290	1	7	issue	issue	NOUN
fsr-3290	1	8	4	4	NUM
fsr-3290	1	9	of	of	ADP
fsr-3290	1	10	volume	volume	NOUN
fsr-3290	1	11	25	25	NUM
fsr-3290	1	12	of	of	ADP
fsr-3290	1	13	financial	financial	ADJ
fsr-3290	1	14	services	service	NOUN
fsr-3290	1	15	review	review	NOUN
fsr-3290	1	16	(	(	PUNCT
fsr-3290	1	17	fsr	fsr	PROPN
fsr-3290	1	18	)	)	PUNCT
fsr-3290	1	19	.	.	PUNCT
fsr-3290	2	1	i	i	PRON
fsr-3290	2	2	would	would	AUX
fsr-3290	2	3	like	like	VERB
fsr-3290	2	4	to	to	PART
fsr-3290	2	5	thank	thank	VERB
fsr-3290	2	6	the	the	DET
fsr-3290	2	7	board	board	NOUN
fsr-3290	2	8	and	and	CCONJ
fsr-3290	2	9	members	member	NOUN
fsr-3290	2	10	of	of	ADP
fsr-3290	2	11	the	the	DET
fsr-3290	2	12	academy	academy	NOUN
fsr-3290	2	13	of	of	ADP
fsr-3290	2	14	financial	financial	ADJ
fsr-3290	2	15	services	service	NOUN
fsr-3290	2	16	for	for	ADP
fsr-3290	2	17	their	their	PRON
fsr-3290	2	18	continued	continue	VERB
fsr-3290	2	19	support	support	NOUN
fsr-3290	2	20	.	.	PUNCT
fsr-3290	3	1	i	i	PRON
fsr-3290	3	2	continue	continue	VERB
fsr-3290	3	3	to	to	PART
fsr-3290	3	4	work	work	VERB
fsr-3290	3	5	in	in	ADP
fsr-3290	3	6	broadening	broaden	VERB
fsr-3290	3	7	the	the	DET
fsr-3290	3	8	scope	scope	NOUN
fsr-3290	3	9	of	of	ADP
fsr-3290	3	10	articles	article	NOUN
fsr-3290	3	11	,	,	PUNCT
fsr-3290	3	12	while	while	SCONJ
fsr-3290	3	13	still	still	ADV
fsr-3290	3	14	focusing	focus	VERB
fsr-3290	3	15	on	on	ADP
fsr-3290	3	16	individual	individual	ADJ
fsr-3290	3	17	financial	financial	ADJ
fsr-3290	3	18	management	management	NOUN
fsr-3290	3	19	and	and	CCONJ
fsr-3290	3	20	personal	personal	ADJ
fsr-3290	3	21	financial	financial	ADJ
fsr-3290	3	22	planning	planning	NOUN
fsr-3290	3	23	.	.	PUNCT
fsr-3290	4	1	i	i	PRON
fsr-3290	4	2	encourage	encourage	VERB
fsr-3290	4	3	authors	author	NOUN
fsr-3290	4	4	to	to	PART
fsr-3290	4	5	reach	reach	VERB
fsr-3290	4	6	out	out	ADP
fsr-3290	4	7	when	when	SCONJ
fsr-3290	4	8	discussing	discuss	VERB
fsr-3290	4	9	implications	implication	NOUN
fsr-3290	4	10	of	of	ADP
fsr-3290	4	11	their	their	PRON
fsr-3290	4	12	findings	finding	NOUN
fsr-3290	4	13	in	in	ADP
fsr-3290	4	14	a	a	DET
fsr-3290	4	15	more	more	ADV
fsr-3290	4	16	comprehensive	comprehensive	ADJ
fsr-3290	4	17	way	way	NOUN
fsr-3290	4	18	.	.	PUNCT
fsr-3290	5	1	as	as	SCONJ
fsr-3290	5	2	such	such	ADJ
fsr-3290	5	3	,	,	PUNCT
fsr-3290	5	4	all	all	DET
fsr-3290	5	5	articles	article	NOUN
fsr-3290	5	6	in	in	ADP
fsr-3290	5	7	the	the	DET
fsr-3290	5	8	journal	journal	NOUN
fsr-3290	5	9	more	more	ADV
fsr-3290	5	10	appropriately	appropriately	ADV
fsr-3290	5	11	relate	relate	VERB
fsr-3290	5	12	to	to	ADP
fsr-3290	5	13	financial	financial	ADJ
fsr-3290	5	14	planning	planning	NOUN
fsr-3290	5	15	issues	issue	NOUN
fsr-3290	5	16	.	.	PUNCT
fsr-3290	6	1	the	the	DET
fsr-3290	6	2	lead	lead	ADJ
fsr-3290	6	3	article	article	NOUN
fsr-3290	6	4	“	"	PUNCT
fsr-3290	6	5	exploring	explore	VERB
fsr-3290	6	6	the	the	DET
fsr-3290	6	7	demand	demand	NOUN
fsr-3290	6	8	for	for	ADP
fsr-3290	6	9	retirement	retirement	NOUN
fsr-3290	6	10	planning	planning	NOUN
fsr-3290	6	11	advice	advice	NOUN
fsr-3290	6	12	:	:	PUNCT
fsr-3290	6	13	the	the	DET
fsr-3290	6	14	role	role	NOUN
fsr-3290	6	15	of	of	ADP
fsr-3290	6	16	financial	financial	ADJ
fsr-3290	6	17	literacy	literacy	NOUN
fsr-3290	6	18	”	"	PUNCT
fsr-3290	6	19	is	be	AUX
fsr-3290	6	20	coauthored	coauthore	VERB
fsr-3290	6	21	by	by	ADP
fsr-3290	6	22	martin	martin	PROPN
fsr-3290	6	23	c.	c.	PROPN
fsr-3290	6	24	seay	seay	PROPN
fsr-3290	6	25	at	at	ADP
fsr-3290	6	26	kansas	kansas	PROPN
fsr-3290	6	27	state	state	PROPN
fsr-3290	6	28	university	university	PROPN
fsr-3290	6	29	,	,	PUNCT
fsr-3290	6	30	kyoung	kyoung	PROPN
fsr-3290	6	31	tae	tae	PROPN
fsr-3290	6	32	kim	kim	PROPN
fsr-3290	6	33	at	at	ADP
fsr-3290	6	34	university	university	PROPN
fsr-3290	6	35	of	of	ADP
fsr-3290	6	36	alabama	alabama	PROPN
fsr-3290	6	37	,	,	PUNCT
fsr-3290	6	38	and	and	CCONJ
fsr-3290	6	39	stuart	stuart	PROPN
fsr-3290	6	40	j.	j.	PROPN
fsr-3290	6	41	heckman	heckman	PROPN
fsr-3290	6	42	at	at	ADP
fsr-3290	6	43	kansas	kansas	PROPN
fsr-3290	6	44	state	state	PROPN
fsr-3290	6	45	university	university	PROPN
fsr-3290	6	46	.	.	PUNCT
fsr-3290	7	1	the	the	DET
fsr-3290	7	2	authors	author	NOUN
fsr-3290	7	3	extend	extend	VERB
fsr-3290	7	4	previous	previous	ADJ
fsr-3290	7	5	research	research	NOUN
fsr-3290	7	6	on	on	ADP
fsr-3290	7	7	the	the	DET
fsr-3290	7	8	relationship	relationship	NOUN
fsr-3290	7	9	between	between	ADP
fsr-3290	7	10	financial	financial	ADJ
fsr-3290	7	11	literacy	literacy	NOUN
fsr-3290	7	12	and	and	CCONJ
fsr-3290	7	13	financial	financial	ADJ
fsr-3290	7	14	advice	advice	NOUN
fsr-3290	7	15	seeking	seek	VERB
fsr-3290	7	16	in	in	ADP
fsr-3290	7	17	three	three	NUM
fsr-3290	7	18	ways	way	NOUN
fsr-3290	7	19	:	:	PUNCT
fsr-3290	7	20	(	(	PUNCT
fsr-3290	7	21	1	1	X
fsr-3290	7	22	)	)	PUNCT
fsr-3290	7	23	examine	examine	VERB
fsr-3290	7	24	financial	financial	ADJ
fsr-3290	7	25	planner	planner	NOUN
fsr-3290	7	26	use	use	NOUN
fsr-3290	7	27	specifically	specifically	ADV
fsr-3290	7	28	within	within	ADP
fsr-3290	7	29	the	the	DET
fsr-3290	7	30	context	context	NOUN
fsr-3290	7	31	of	of	ADP
fsr-3290	7	32	retirement	retirement	NOUN
fsr-3290	7	33	planning	planning	NOUN
fsr-3290	7	34	,	,	PUNCT
fsr-3290	7	35	(	(	PUNCT
fsr-3290	7	36	2	2	X
fsr-3290	7	37	)	)	PUNCT
fsr-3290	7	38	incorporate	incorporate	NOUN
fsr-3290	7	39	huston	huston	PROPN
fsr-3290	7	40	’s	’s	PART
fsr-3290	7	41	(	(	PUNCT
fsr-3290	7	42	2010	2010	NUM
fsr-3290	7	43	)	)	PUNCT
fsr-3290	7	44	framework	framework	NOUN
fsr-3290	7	45	of	of	ADP
fsr-3290	7	46	financial	financial	ADJ
fsr-3290	7	47	literacy	literacy	NOUN
fsr-3290	7	48	,	,	PUNCT
fsr-3290	7	49	and	and	CCONJ
fsr-3290	7	50	(	(	PUNCT
fsr-3290	7	51	3	3	X
fsr-3290	7	52	)	)	PUNCT
fsr-3290	7	53	use	use	VERB
fsr-3290	7	54	longitudinal	longitudinal	ADJ
fsr-3290	7	55	data	datum	NOUN
fsr-3290	7	56	to	to	PART
fsr-3290	7	57	investigate	investigate	VERB
fsr-3290	7	58	the	the	DET
fsr-3290	7	59	initiation	initiation	NOUN
fsr-3290	7	60	,	,	PUNCT
fsr-3290	7	61	maintenance	maintenance	NOUN
fsr-3290	7	62	,	,	PUNCT
fsr-3290	7	63	and	and	CCONJ
fsr-3290	7	64	termination	termination	NOUN
fsr-3290	7	65	of	of	ADP
fsr-3290	7	66	financial	financial	ADJ
fsr-3290	7	67	planner	planner	NOUN
fsr-3290	7	68	use	use	NOUN
fsr-3290	7	69	.	.	PUNCT
fsr-3290	8	1	they	they	PRON
fsr-3290	8	2	find	find	VERB
fsr-3290	8	3	that	that	SCONJ
fsr-3290	8	4	their	their	PRON
fsr-3290	8	5	results	result	NOUN
fsr-3290	8	6	(	(	PUNCT
fsr-3290	8	7	from	from	ADP
fsr-3290	8	8	the	the	DET
fsr-3290	8	9	2010	2010	NUM
fsr-3290	8	10	and	and	CCONJ
fsr-3290	8	11	2012	2012	NUM
fsr-3290	8	12	national	national	ADJ
fsr-3290	8	13	longitudinal	longitudinal	ADJ
fsr-3290	8	14	survey	survey	NOUN
fsr-3290	8	15	of	of	ADP
fsr-3290	8	16	youth	youth	NOUN
fsr-3290	8	17	1979	1979	NUM
fsr-3290	8	18	)	)	PUNCT
fsr-3290	8	19	show	show	VERB
fsr-3290	8	20	a	a	DET
fsr-3290	8	21	positive	positive	ADJ
fsr-3290	8	22	association	association	NOUN
fsr-3290	8	23	between	between	ADP
fsr-3290	8	24	the	the	DET
fsr-3290	8	25	components	component	NOUN
fsr-3290	8	26	of	of	ADP
fsr-3290	8	27	financial	financial	ADJ
fsr-3290	8	28	literacy	literacy	NOUN
fsr-3290	8	29	and	and	CCONJ
fsr-3290	8	30	financial	financial	ADJ
fsr-3290	8	31	planner	planner	NOUN
fsr-3290	8	32	use	use	NOUN
fsr-3290	8	33	for	for	ADP
fsr-3290	8	34	retirement	retirement	NOUN
fsr-3290	8	35	planning	planning	NOUN
fsr-3290	8	36	.	.	PUNCT
fsr-3290	9	1	the	the	DET
fsr-3290	9	2	second	second	ADJ
fsr-3290	9	3	article	article	NOUN
fsr-3290	9	4	“	"	PUNCT
fsr-3290	9	5	college	college	NOUN
fsr-3290	9	6	student	student	NOUN
fsr-3290	9	7	interest	interest	NOUN
fsr-3290	9	8	in	in	ADP
fsr-3290	9	9	personal	personal	ADJ
fsr-3290	9	10	finance	finance	NOUN
fsr-3290	9	11	education	education	NOUN
fsr-3290	9	12	”	"	PUNCT
fsr-3290	9	13	is	be	AUX
fsr-3290	9	14	coauthored	coauthore	VERB
fsr-3290	9	15	by	by	ADP
fsr-3290	9	16	christine	christine	PROPN
fsr-3290	9	17	harrington	harrington	PROPN
fsr-3290	9	18	and	and	CCONJ
fsr-3290	9	19	walter	walter	PROPN
fsr-3290	9	20	smith	smith	PROPN
fsr-3290	9	21	,	,	PUNCT
fsr-3290	9	22	both	both	CCONJ
fsr-3290	9	23	at	at	ADP
fsr-3290	9	24	auburn	auburn	PROPN
fsr-3290	9	25	university	university	PROPN
fsr-3290	9	26	at	at	ADP
fsr-3290	9	27	montgomery	montgomery	PROPN
fsr-3290	9	28	.	.	PUNCT
fsr-3290	10	1	the	the	DET
fsr-3290	10	2	authors	author	NOUN
fsr-3290	10	3	investigate	investigate	VERB
fsr-3290	10	4	demand	demand	NOUN
fsr-3290	10	5	for	for	ADP
fsr-3290	10	6	investing	invest	VERB
fsr-3290	10	7	in	in	ADP
fsr-3290	10	8	financial	financial	ADJ
fsr-3290	10	9	literacy	literacy	NOUN
fsr-3290	10	10	while	while	SCONJ
fsr-3290	10	11	in	in	ADP
fsr-3290	10	12	college	college	NOUN
fsr-3290	10	13	using	use	VERB
fsr-3290	10	14	survey	survey	NOUN
fsr-3290	10	15	responses	response	NOUN
fsr-3290	10	16	from	from	ADP
fsr-3290	10	17	a	a	DET
fsr-3290	10	18	cross	cross	NOUN
fsr-3290	10	19	-	-	NOUN
fsr-3290	10	20	section	section	NOUN
fsr-3290	10	21	of	of	ADP
fsr-3290	10	22	students	student	NOUN
fsr-3290	10	23	.	.	PUNCT
fsr-3290	11	1	their	their	PRON
fsr-3290	11	2	results	result	NOUN
fsr-3290	11	3	indicate	indicate	VERB
fsr-3290	11	4	that	that	PRON
fsr-3290	11	5	student	student	NOUN
fsr-3290	11	6	interest	interest	NOUN
fsr-3290	11	7	in	in	ADP
fsr-3290	11	8	personal	personal	ADJ
fsr-3290	11	9	finance	finance	NOUN
fsr-3290	11	10	education	education	NOUN
fsr-3290	11	11	is	be	AUX
fsr-3290	11	12	largely	largely	ADV
fsr-3290	11	13	a	a	DET
fsr-3290	11	14	function	function	NOUN
fsr-3290	11	15	of	of	ADP
fsr-3290	11	16	perceived	perceive	VERB
fsr-3290	11	17	return	return	NOUN
fsr-3290	11	18	,	,	PUNCT
fsr-3290	11	19	time	time	NOUN
fsr-3290	11	20	cost	cost	NOUN
fsr-3290	11	21	,	,	PUNCT
fsr-3290	11	22	financial	financial	ADJ
fsr-3290	11	23	independence	independence	NOUN
fsr-3290	11	24	,	,	PUNCT
fsr-3290	11	25	and	and	CCONJ
fsr-3290	11	26	gender	gender	NOUN
fsr-3290	11	27	where	where	SCONJ
fsr-3290	11	28	female	female	ADJ
fsr-3290	11	29	students	student	NOUN
fsr-3290	11	30	have	have	VERB
fsr-3290	11	31	relatively	relatively	ADV
fsr-3290	11	32	more	more	ADJ
fsr-3290	11	33	interest	interest	NOUN
fsr-3290	11	34	.	.	PUNCT
fsr-3290	12	1	income	income	NOUN
fsr-3290	12	2	,	,	PUNCT
fsr-3290	12	3	patience	patience	NOUN
fsr-3290	12	4	in	in	ADP
fsr-3290	12	5	consumption	consumption	NOUN
fsr-3290	12	6	,	,	PUNCT
fsr-3290	12	7	credit	credit	NOUN
fsr-3290	12	8	experience	experience	NOUN
fsr-3290	12	9	,	,	PUNCT
fsr-3290	12	10	and	and	CCONJ
fsr-3290	12	11	numerical	numerical	ADJ
fsr-3290	12	12	ability	ability	NOUN
fsr-3290	12	13	.	.	PUNCT
fsr-3290	13	1	their	their	PRON
fsr-3290	13	2	results	result	NOUN
fsr-3290	13	3	support	support	VERB
fsr-3290	13	4	offering	offer	VERB
fsr-3290	13	5	learning	learn	VERB
fsr-3290	13	6	opportunities	opportunity	NOUN
fsr-3290	13	7	for	for	ADP
fsr-3290	13	8	individual	individual	ADJ
fsr-3290	13	9	personal	personal	ADJ
fsr-3290	13	10	finance	finance	NOUN
fsr-3290	13	11	topics	topic	NOUN
fsr-3290	13	12	in	in	ADP
fsr-3290	13	13	addition	addition	NOUN
fsr-3290	13	14	to	to	ADP
fsr-3290	13	15	a	a	DET
fsr-3290	13	16	personal	personal	ADJ
fsr-3290	13	17	finance	finance	NOUN
fsr-3290	13	18	course	course	NOUN
fsr-3290	13	19	.	.	PUNCT
fsr-3290	14	1	the	the	DET
fsr-3290	14	2	third	third	ADJ
fsr-3290	14	3	article	article	NOUN
fsr-3290	14	4	,	,	PUNCT
fsr-3290	14	5	“	"	PUNCT
fsr-3290	14	6	procedure	procedure	NOUN
fsr-3290	14	7	to	to	PART
fsr-3290	14	8	determine	determine	VERB
fsr-3290	14	9	the	the	DET
fsr-3290	14	10	optimal	optimal	ADJ
fsr-3290	14	11	roth	roth	PROPN
fsr-3290	14	12	ira	ira	PROPN
fsr-3290	14	13	versus	versus	ADP
fsr-3290	14	14	deductible	deductible	ADJ
fsr-3290	14	15	ira	ira	PROPN
fsr-3290	14	16	allocation	allocation	NOUN
fsr-3290	14	17	”	"	PUNCT
fsr-3290	14	18	is	be	AUX
fsr-3290	14	19	coauthored	coauthore	VERB
fsr-3290	14	20	by	by	ADP
fsr-3290	14	21	robert	robert	PROPN
fsr-3290	14	22	m.	m.	PROPN
fsr-3290	14	23	hull	hull	PROPN
fsr-3290	14	24	at	at	ADP
fsr-3290	14	25	washburn	washburn	PROPN
fsr-3290	14	26	university	university	PROPN
fsr-3290	14	27	and	and	CCONJ
fsr-3290	14	28	john	john	PROPN
fsr-3290	14	29	b.	b.	PROPN
fsr-3290	14	30	hull	hull	PROPN
fsr-3290	14	31	at	at	ADP
fsr-3290	14	32	american	american	ADJ
fsr-3290	14	33	century	century	PROPN
fsr-3290	14	34	investment	investment	NOUN
fsr-3290	14	35	services	services	PROPN
fsr-3290	14	36	,	,	PUNCT
fsr-3290	14	37	inc	inc	PROPN
fsr-3290	14	38	.	.	PUNCT
fsr-3290	15	1	the	the	DET
fsr-3290	15	2	authors	author	NOUN
fsr-3290	15	3	develop	develop	VERB
fsr-3290	15	4	a	a	DET
fsr-3290	15	5	procedure	procedure	NOUN
fsr-3290	15	6	to	to	PART
fsr-3290	15	7	guide	guide	VERB
fsr-3290	15	8	the	the	DET
fsr-3290	15	9	roth	roth	PROPN
fsr-3290	15	10	ira	ira	PROPN
fsr-3290	15	11	versus	versus	ADP
fsr-3290	15	12	deductible	deductible	ADJ
fsr-3290	15	13	ira	ira	PROPN
fsr-3290	15	14	(	(	PUNCT
fsr-3290	15	15	rvd	rvd	PROPN
fsr-3290	15	16	)	)	PUNCT
fsr-3290	15	17	allocation	allocation	NOUN
fsr-3290	15	18	decision	decision	NOUN
fsr-3290	15	19	.	.	PUNCT
fsr-3290	16	1	they	they	PRON
fsr-3290	16	2	find	find	VERB
fsr-3290	16	3	that	that	SCONJ
fsr-3290	16	4	a	a	DET
fsr-3290	16	5	modest	modest	ADJ
fsr-3290	16	6	earning	earn	VERB
fsr-3290	16	7	couple	couple	NOUN
fsr-3290	16	8	can	can	AUX
fsr-3290	16	9	achieve	achieve	VERB
fsr-3290	16	10	a	a	DET
fsr-3290	16	11	lifetime	lifetime	NOUN
fsr-3290	16	12	wealth	wealth	NOUN
fsr-3290	16	13	gain	gain	NOUN
fsr-3290	16	14	amounting	amount	VERB
fsr-3290	16	15	to	to	ADP
fsr-3290	16	16	about	about	ADP
fsr-3290	16	17	$	$	SYM
fsr-3290	16	18	180,000	180,000	NUM
fsr-3290	16	19	in	in	ADP
fsr-3290	16	20	today	today	NOUN
fsr-3290	16	21	’s	’s	PART
fsr-3290	16	22	dollars	dollar	NOUN
fsr-3290	16	23	.	.	PUNCT
fsr-3290	17	1	their	their	PRON
fsr-3290	17	2	models	model	NOUN
fsr-3290	17	3	allows	allow	VERB
fsr-3290	17	4	changes	change	NOUN
fsr-3290	17	5	in	in	ADP
fsr-3290	17	6	key	key	ADJ
fsr-3290	17	7	variables	variable	NOUN
fsr-3290	17	8	such	such	ADJ
fsr-3290	17	9	as	as	ADP
fsr-3290	17	10	salary	salary	NOUN
fsr-3290	17	11	match	match	NOUN
fsr-3290	17	12	,	,	PUNCT
fsr-3290	17	13	adjusted	adjust	VERB
fsr-3290	17	14	gross	gross	ADJ
fsr-3290	17	15	income	income	NOUN
fsr-3290	17	16	,	,	PUNCT
fsr-3290	17	17	portfolio	portfolio	NOUN
fsr-3290	17	18	returns	return	NOUN
fsr-3290	17	19	,	,	PUNCT
fsr-3290	17	20	and	and	CCONJ
fsr-3290	17	21	withdrawal	withdrawal	NOUN
fsr-3290	17	22	years	year	NOUN
fsr-3290	17	23	.	.	PUNCT
fsr-3290	18	1	the	the	DET
fsr-3290	18	2	fourth	fourth	ADJ
fsr-3290	18	3	article	article	NOUN
fsr-3290	18	4	,	,	PUNCT
fsr-3290	18	5	“	"	PUNCT
fsr-3290	18	6	determining	determine	VERB
fsr-3290	18	7	the	the	DET
fsr-3290	18	8	return	return	NOUN
fsr-3290	18	9	-	-	PUNCT
fsr-3290	18	10	maximizing	maximize	VERB
fsr-3290	18	11	portfolio	portfolio	NOUN
fsr-3290	18	12	leverage	leverage	NOUN
fsr-3290	18	13	and	and	CCONJ
fsr-3290	18	14	its	its	PRON
fsr-3290	18	15	limitations	limitation	NOUN
fsr-3290	18	16	”	"	PUNCT
fsr-3290	18	17	is	be	AUX
fsr-3290	18	18	coauthored	coauthore	VERB
fsr-3290	18	19	by	by	ADP
fsr-3290	18	20	robert	robert	PROPN
fsr-3290	18	21	a.	a.	PROPN
fsr-3290	18	22	ott	ott	PROPN
fsr-3290	18	23	and	and	CCONJ
fsr-3290	18	24	timothy	timothy	PROPN
fsr-3290	18	25	e.	e.	PROPN
fsr-3290	18	26	zimmer	zimmer	PROPN
fsr-3290	18	27	,	,	PUNCT
fsr-3290	18	28	both	both	PRON
fsr-3290	18	29	at	at	ADP
fsr-3290	18	30	university	university	NOUN
fsr-3290	18	31	of	of	ADP
fsr-3290	18	32	indianapolis	indianapolis	PROPN
fsr-3290	18	33	.	.	PUNCT
fsr-3290	19	1	financial	financial	ADJ
fsr-3290	19	2	services	service	NOUN
fsr-3290	19	3	review	review	VERB
fsr-3290	19	4	25	25	NUM
fsr-3290	19	5	(	(	PUNCT
fsr-3290	19	6	2016	2016	NUM
fsr-3290	19	7	)	)	PUNCT
fsr-3290	19	8	v	v	PROPN
fsr-3290	19	9	–	–	PUNCT
fsr-3290	19	10	vii	vii	PROPN
fsr-3290	19	11	1057	1057	NUM
fsr-3290	19	12	-	-	PUNCT
fsr-3290	19	13	0810/16/$	0810/16/$	ADV
fsr-3290	19	14	–	–	PUNCT
fsr-3290	19	15	see	see	VERB
fsr-3290	19	16	front	front	ADJ
fsr-3290	19	17	matter	matter	NOUN
fsr-3290	19	18	©	©	PROPN
fsr-3290	19	19	2016	2016	NUM
fsr-3290	19	20	academy	academy	NOUN
fsr-3290	19	21	of	of	ADP
fsr-3290	19	22	financial	financial	ADJ
fsr-3290	19	23	services	service	NOUN
fsr-3290	19	24	.	.	PUNCT
fsr-3290	20	1	all	all	DET
fsr-3290	20	2	rights	right	NOUN
fsr-3290	20	3	reserved	reserve	VERB
fsr-3290	20	4	.	.	PUNCT
fsr-3290	21	1	the	the	DET
fsr-3290	21	2	authors	author	NOUN
fsr-3290	21	3	hypothesize	hypothesize	VERB
fsr-3290	21	4	that	that	SCONJ
fsr-3290	21	5	leverage	leverage	NOUN
fsr-3290	21	6	in	in	ADP
fsr-3290	21	7	the	the	DET
fsr-3290	21	8	risk	risk	NOUN
fsr-3290	21	9	allocation	allocation	NOUN
fsr-3290	21	10	of	of	ADP
fsr-3290	21	11	an	an	DET
fsr-3290	21	12	investment	investment	NOUN
fsr-3290	21	13	portfolio	portfolio	NOUN
fsr-3290	21	14	can	can	AUX
fsr-3290	21	15	be	be	AUX
fsr-3290	21	16	an	an	DET
fsr-3290	21	17	effective	effective	ADJ
fsr-3290	21	18	strategy	strategy	NOUN
fsr-3290	21	19	in	in	ADP
fsr-3290	21	20	achieving	achieve	VERB
fsr-3290	21	21	overall	overall	ADJ
fsr-3290	21	22	portfolio	portfolio	NOUN
fsr-3290	21	23	goals	goal	NOUN
fsr-3290	21	24	.	.	PUNCT
fsr-3290	22	1	their	their	PRON
fsr-3290	22	2	research	research	NOUN
fsr-3290	22	3	focuses	focus	VERB
fsr-3290	22	4	on	on	ADP
fsr-3290	22	5	the	the	DET
fsr-3290	22	6	limitations	limitation	NOUN
fsr-3290	22	7	by	by	ADP
fsr-3290	22	8	explicitly	explicitly	ADV
fsr-3290	22	9	including	include	VERB
fsr-3290	22	10	the	the	DET
fsr-3290	22	11	volatility	volatility	NOUN
fsr-3290	22	12	drag	drag	NOUN
fsr-3290	22	13	from	from	ADP
fsr-3290	22	14	leveraging	leverage	VERB
fsr-3290	22	15	the	the	DET
fsr-3290	22	16	expected	expect	VERB
fsr-3290	22	17	portfolio	portfolio	NOUN
fsr-3290	22	18	returns	return	NOUN
fsr-3290	22	19	.	.	PUNCT
fsr-3290	23	1	they	they	PRON
fsr-3290	23	2	show	show	VERB
fsr-3290	23	3	that	that	SCONJ
fsr-3290	23	4	maximizing	maximize	VERB
fsr-3290	23	5	the	the	DET
fsr-3290	23	6	expected	expect	VERB
fsr-3290	23	7	portfolio	portfolio	NOUN
fsr-3290	23	8	returns	return	NOUN
fsr-3290	23	9	with	with	ADP
fsr-3290	23	10	respect	respect	NOUN
fsr-3290	23	11	to	to	ADP
fsr-3290	23	12	leverage	leverage	NOUN
fsr-3290	23	13	results	result	NOUN
fsr-3290	23	14	in	in	ADP
fsr-3290	23	15	a	a	DET
fsr-3290	23	16	returnmaximizing	returnmaximize	VERB
fsr-3290	23	17	condition	condition	NOUN
fsr-3290	23	18	that	that	PRON
fsr-3290	23	19	balances	balance	VERB
fsr-3290	23	20	the	the	DET
fsr-3290	23	21	gains	gain	NOUN
fsr-3290	23	22	from	from	ADP
fsr-3290	23	23	leverage	leverage	NOUN
fsr-3290	23	24	with	with	ADP
fsr-3290	23	25	the	the	DET
fsr-3290	23	26	losses	loss	NOUN
fsr-3290	23	27	in	in	ADP
fsr-3290	23	28	the	the	DET
fsr-3290	23	29	volatility	volatility	NOUN
fsr-3290	23	30	drag	drag	VERB
fsr-3290	23	31	.	.	PUNCT
fsr-3290	24	1	they	they	PRON
fsr-3290	24	2	graphically	graphically	ADV
fsr-3290	24	3	illustrate	illustrate	VERB
fsr-3290	24	4	the	the	DET
fsr-3290	24	5	return	return	NOUN
fsr-3290	24	6	-	-	PUNCT
fsr-3290	24	7	maximizing	maximize	VERB
fsr-3290	24	8	condition	condition	NOUN
fsr-3290	24	9	over	over	ADP
fsr-3290	24	10	a	a	DET
fsr-3290	24	11	range	range	NOUN
fsr-3290	24	12	of	of	ADP
fsr-3290	24	13	investment	investment	NOUN
fsr-3290	24	14	returns	return	NOUN
fsr-3290	24	15	to	to	PART
fsr-3290	24	16	produce	produce	VERB
fsr-3290	24	17	a	a	DET
fsr-3290	24	18	return	return	NOUN
fsr-3290	24	19	-	-	PUNCT
fsr-3290	24	20	maximizing	maximize	VERB
fsr-3290	24	21	leverage	leverage	NOUN
fsr-3290	24	22	curve	curve	NOUN
fsr-3290	24	23	.	.	PUNCT
fsr-3290	25	1	the	the	DET
fsr-3290	25	2	final	final	ADJ
fsr-3290	25	3	article	article	NOUN
fsr-3290	25	4	,	,	PUNCT
fsr-3290	25	5	“	"	PUNCT
fsr-3290	25	6	household	household	NOUN
fsr-3290	25	7	use	use	NOUN
fsr-3290	25	8	of	of	ADP
fsr-3290	25	9	financial	financial	ADJ
fsr-3290	25	10	planners	planner	NOUN
fsr-3290	25	11	:	:	PUNCT
fsr-3290	25	12	measurement	measurement	NOUN
fsr-3290	25	13	considerations	consideration	NOUN
fsr-3290	25	14	for	for	ADP
fsr-3290	25	15	researchers	researcher	NOUN
fsr-3290	25	16	”	"	PUNCT
fsr-3290	25	17	is	be	AUX
fsr-3290	25	18	coauthored	coauthore	VERB
fsr-3290	25	19	by	by	ADP
fsr-3290	25	20	stuart	stuart	PROPN
fsr-3290	25	21	j.	j.	PROPN
fsr-3290	25	22	heckman	heckman	PROPN
fsr-3290	25	23	at	at	ADP
fsr-3290	25	24	kansas	kansas	PROPN
fsr-3290	25	25	state	state	PROPN
fsr-3290	25	26	university	university	PROPN
fsr-3290	25	27	,	,	PUNCT
fsr-3290	25	28	martin	martin	PROPN
fsr-3290	25	29	c.	c.	PROPN
fsr-3290	25	30	seay	seay	PROPN
fsr-3290	25	31	at	at	ADP
fsr-3290	25	32	kansas	kansas	PROPN
fsr-3290	25	33	state	state	PROPN
fsr-3290	25	34	university	university	PROPN
fsr-3290	25	35	,	,	PUNCT
fsr-3290	25	36	kyoung	kyoung	PROPN
fsr-3290	25	37	tae	tae	PROPN
fsr-3290	25	38	kim	kim	PROPN
fsr-3290	25	39	at	at	ADP
fsr-3290	25	40	university	university	PROPN
fsr-3290	25	41	of	of	ADP
fsr-3290	25	42	alabama	alabama	PROPN
fsr-3290	25	43	,	,	PUNCT
fsr-3290	25	44	and	and	CCONJ
fsr-3290	25	45	jodi	jodi	PROPN
fsr-3290	25	46	c.	c.	PROPN
fsr-3290	25	47	letkiewicz	letkiewicz	PROPN
fsr-3290	25	48	at	at	ADP
fsr-3290	25	49	york	york	PROPN
fsr-3290	25	50	university	university	PROPN
fsr-3290	25	51	.	.	PUNCT
fsr-3290	26	1	using	use	VERB
fsr-3290	26	2	the	the	DET
fsr-3290	26	3	certified	certify	VERB
fsr-3290	26	4	financial	financial	ADJ
fsr-3290	26	5	planner	planner	NOUN
fsr-3290	26	6	(	(	PUNCT
fsr-3290	26	7	cfp	cfp	PROPN
fsr-3290	26	8	)	)	PUNCT
fsr-3290	26	9	board	board	NOUN
fsr-3290	26	10	’s	’s	PART
fsr-3290	26	11	definition	definition	NOUN
fsr-3290	26	12	of	of	ADP
fsr-3290	26	13	financial	financial	ADJ
fsr-3290	26	14	planning	planning	NOUN
fsr-3290	26	15	,	,	PUNCT
fsr-3290	26	16	the	the	DET
fsr-3290	26	17	authors	author	NOUN
fsr-3290	26	18	evaluate	evaluate	VERB
fsr-3290	26	19	the	the	DET
fsr-3290	26	20	validity	validity	NOUN
fsr-3290	26	21	of	of	ADP
fsr-3290	26	22	the	the	DET
fsr-3290	26	23	measures	measure	NOUN
fsr-3290	26	24	of	of	ADP
fsr-3290	26	25	financial	financial	ADJ
fsr-3290	26	26	planner	planner	NOUN
fsr-3290	26	27	use	use	NOUN
fsr-3290	26	28	in	in	ADP
fsr-3290	26	29	publicly	publicly	ADV
fsr-3290	26	30	available	available	ADJ
fsr-3290	26	31	datasets	dataset	NOUN
fsr-3290	26	32	.	.	PUNCT
fsr-3290	27	1	the	the	DET
fsr-3290	27	2	author	author	NOUN
fsr-3290	27	3	’s	’s	PART
fsr-3290	27	4	review	review	NOUN
fsr-3290	27	5	of	of	ADP
fsr-3290	27	6	financial	financial	ADJ
fsr-3290	27	7	services	service	NOUN
fsr-3290	27	8	review	review	NOUN
fsr-3290	27	9	,	,	PUNCT
fsr-3290	27	10	journal	journal	NOUN
fsr-3290	27	11	of	of	ADP
fsr-3290	27	12	personal	personal	ADJ
fsr-3290	27	13	finance	finance	NOUN
fsr-3290	27	14	,	,	PUNCT
fsr-3290	27	15	journal	journal	NOUN
fsr-3290	27	16	of	of	ADP
fsr-3290	27	17	financial	financial	ADJ
fsr-3290	27	18	planning	planning	NOUN
fsr-3290	27	19	,	,	PUNCT
fsr-3290	27	20	journal	journal	NOUN
fsr-3290	27	21	of	of	ADP
fsr-3290	27	22	family	family	NOUN
fsr-3290	27	23	and	and	CCONJ
fsr-3290	27	24	economic	economic	ADJ
fsr-3290	27	25	issues	issue	NOUN
fsr-3290	27	26	,	,	PUNCT
fsr-3290	27	27	journal	journal	NOUN
fsr-3290	27	28	of	of	ADP
fsr-3290	27	29	consumer	consumer	NOUN
fsr-3290	27	30	affairs	affair	NOUN
fsr-3290	27	31	,	,	PUNCT
fsr-3290	27	32	and	and	CCONJ
fsr-3290	27	33	journal	journal	NOUN
fsr-3290	27	34	of	of	ADP
fsr-3290	27	35	financial	financial	ADJ
fsr-3290	27	36	counseling	counseling	NOUN
fsr-3290	27	37	and	and	CCONJ
fsr-3290	27	38	planning	planning	NOUN
fsr-3290	27	39	identified	identify	VERB
fsr-3290	27	40	seven	seven	NUM
fsr-3290	27	41	datasets	dataset	NOUN
fsr-3290	27	42	that	that	PRON
fsr-3290	27	43	were	be	AUX
fsr-3290	27	44	commonly	commonly	ADV
fsr-3290	27	45	used	use	VERB
fsr-3290	27	46	to	to	PART
fsr-3290	27	47	investigate	investigate	VERB
fsr-3290	27	48	financial	financial	ADJ
fsr-3290	27	49	planner	planner	NOUN
fsr-3290	27	50	use	use	NOUN
fsr-3290	27	51	.	.	PUNCT
fsr-3290	28	1	they	they	PRON
fsr-3290	28	2	find	find	VERB
fsr-3290	28	3	that	that	PRON
fsr-3290	28	4	of	of	ADP
fsr-3290	28	5	these	these	PRON
fsr-3290	28	6	,	,	PUNCT
fsr-3290	28	7	the	the	DET
fsr-3290	28	8	two	two	NUM
fsr-3290	28	9	most	most	ADV
fsr-3290	28	10	promising	promising	ADJ
fsr-3290	28	11	measures	measure	NOUN
fsr-3290	28	12	were	be	AUX
fsr-3290	28	13	found	find	VERB
fsr-3290	28	14	in	in	ADP
fsr-3290	28	15	the	the	DET
fsr-3290	28	16	survey	survey	NOUN
fsr-3290	28	17	of	of	ADP
fsr-3290	28	18	consumer	consumer	NOUN
fsr-3290	28	19	finances	finance	NOUN
fsr-3290	28	20	and	and	CCONJ
fsr-3290	28	21	the	the	DET
fsr-3290	28	22	national	national	ADJ
fsr-3290	28	23	longitudinal	longitudinal	ADJ
fsr-3290	28	24	study	study	NOUN
fsr-3290	28	25	of	of	ADP
fsr-3290	28	26	youth	youth	NOUN
fsr-3290	28	27	(	(	PUNCT
fsr-3290	28	28	1979	1979	NUM
fsr-3290	28	29	)	)	PUNCT
fsr-3290	28	30	.	.	PUNCT
fsr-3290	29	1	this	this	DET
fsr-3290	29	2	article	article	NOUN
fsr-3290	29	3	critically	critically	ADV
fsr-3290	29	4	evaluates	evaluate	VERB
fsr-3290	29	5	these	these	DET
fsr-3290	29	6	measures	measure	NOUN
fsr-3290	29	7	and	and	CCONJ
fsr-3290	29	8	provides	provide	VERB
fsr-3290	29	9	insights	insight	NOUN
fsr-3290	29	10	into	into	ADP
fsr-3290	29	11	the	the	DET
fsr-3290	29	12	development	development	NOUN
fsr-3290	29	13	of	of	ADP
fsr-3290	29	14	better	well	ADJ
fsr-3290	29	15	measures	measure	NOUN
fsr-3290	29	16	of	of	ADP
fsr-3290	29	17	financial	financial	ADJ
fsr-3290	29	18	planner	planner	NOUN
fsr-3290	29	19	use	use	NOUN
fsr-3290	29	20	for	for	ADP
fsr-3290	29	21	the	the	DET
fsr-3290	29	22	future	future	NOUN
fsr-3290	29	23	.	.	PUNCT
fsr-3290	30	1	thanks	thank	NOUN
fsr-3290	30	2	to	to	ADP
fsr-3290	30	3	those	those	PRON
fsr-3290	30	4	who	who	PRON
fsr-3290	30	5	make	make	VERB
fsr-3290	30	6	the	the	DET
fsr-3290	30	7	journal	journal	NOUN
fsr-3290	30	8	possible	possible	ADJ
fsr-3290	30	9	,	,	PUNCT
fsr-3290	30	10	especially	especially	ADV
fsr-3290	30	11	the	the	DET
fsr-3290	30	12	referees	referee	NOUN
fsr-3290	30	13	and	and	CCONJ
fsr-3290	30	14	contributing	contribute	VERB
fsr-3290	30	15	authors	author	NOUN
fsr-3290	30	16	.	.	PUNCT
fsr-3290	31	1	over	over	ADP
fsr-3290	31	2	the	the	DET
fsr-3290	31	3	past	past	ADJ
fsr-3290	31	4	year	year	NOUN
fsr-3290	31	5	,	,	PUNCT
fsr-3290	31	6	the	the	DET
fsr-3290	31	7	following	follow	VERB
fsr-3290	31	8	reviewers	reviewer	NOUN
fsr-3290	31	9	provided	provide	VERB
fsr-3290	31	10	excellent	excellent	ADJ
fsr-3290	31	11	reviews	review	NOUN
fsr-3290	31	12	of	of	ADP
fsr-3290	31	13	the	the	DET
fsr-3290	31	14	articles	article	NOUN
fsr-3290	31	15	you	you	PRON
fsr-3290	31	16	enjoyed	enjoy	VERB
fsr-3290	31	17	within	within	ADP
fsr-3290	31	18	the	the	DET
fsr-3290	31	19	pages	page	NOUN
fsr-3290	31	20	of	of	ADP
fsr-3290	31	21	financial	financial	ADJ
fsr-3290	31	22	services	service	NOUN
fsr-3290	31	23	review	review	NOUN
fsr-3290	31	24	.	.	PUNCT
fsr-3290	32	1	i	i	PRON
fsr-3290	32	2	would	would	AUX
fsr-3290	32	3	like	like	VERB
fsr-3290	32	4	to	to	PART
fsr-3290	32	5	send	send	VERB
fsr-3290	32	6	a	a	DET
fsr-3290	32	7	special	special	ADJ
fsr-3290	32	8	thank	thank	NOUN
fsr-3290	32	9	you	you	PRON
fsr-3290	32	10	to	to	ADP
fsr-3290	32	11	the	the	DET
fsr-3290	32	12	many	many	ADJ
fsr-3290	32	13	reviewers	reviewer	NOUN
fsr-3290	32	14	that	that	PRON
fsr-3290	32	15	have	have	AUX
fsr-3290	32	16	significantly	significantly	ADV
fsr-3290	32	17	contributed	contribute	VERB
fsr-3290	32	18	to	to	ADP
fsr-3290	32	19	the	the	DET
fsr-3290	32	20	quality	quality	NOUN
fsr-3290	32	21	of	of	ADP
fsr-3290	32	22	our	our	PRON
fsr-3290	32	23	journal	journal	NOUN
fsr-3290	32	24	by	by	ADP
fsr-3290	32	25	providing	provide	VERB
fsr-3290	32	26	timely	timely	ADJ
fsr-3290	32	27	and	and	CCONJ
fsr-3290	32	28	thorough	thorough	ADJ
fsr-3290	32	29	reviews	review	NOUN
fsr-3290	32	30	of	of	ADP
fsr-3290	32	31	the	the	DET
fsr-3290	32	32	submissions	submission	NOUN
fsr-3290	32	33	to	to	ADP
fsr-3290	32	34	our	our	PRON
fsr-3290	32	35	journal	journal	NOUN
fsr-3290	32	36	.	.	PUNCT
fsr-3290	33	1	yasser	yasser	PROPN
fsr-3290	33	2	alhenawi	alhenawi	PROPN
fsr-3290	33	3	university	university	PROPN
fsr-3290	33	4	of	of	ADP
fsr-3290	33	5	evansville	evansville	PROPN
fsr-3290	33	6	phil	phil	PROPN
fsr-3290	33	7	baird	baird	PROPN
fsr-3290	33	8	duquesne	duquesne	PROPN
fsr-3290	33	9	university	university	PROPN
fsr-3290	33	10	anup	anup	PROPN
fsr-3290	33	11	basu	basu	PROPN
fsr-3290	33	12	australia	australia	PROPN
fsr-3290	33	13	lew	lew	PROPN
fsr-3290	33	14	coopersmith	coopersmith	PROPN
fsr-3290	33	15	rider	rider	PROPN
fsr-3290	33	16	university	university	PROPN
fsr-3290	33	17	brenda	brenda	PROPN
fsr-3290	33	18	cude	cude	VERB
fsr-3290	33	19	university	university	PROPN
fsr-3290	33	20	of	of	ADP
fsr-3290	33	21	georgia	georgia	PROPN
fsr-3290	33	22	gio	gio	PROPN
fsr-3290	33	23	fernandez	fernandez	PROPN
fsr-3290	33	24	stetson	stetson	PROPN
fsr-3290	33	25	university	university	PROPN
fsr-3290	33	26	greg	greg	PROPN
fsr-3290	33	27	filbeck	filbeck	PROPN
fsr-3290	33	28	penn	penn	PROPN
fsr-3290	33	29	state	state	PROPN
fsr-3290	33	30	university	university	PROPN
fsr-3290	33	31	philip	philip	PROPN
fsr-3290	33	32	gharghori	gharghori	PROPN
fsr-3290	33	33	monash	monash	PROPN
fsr-3290	33	34	university	university	PROPN
fsr-3290	33	35	angelica	angelica	PROPN
fsr-3290	33	36	gonzalez	gonzalez	PROPN
fsr-3290	33	37	united	united	PROPN
fsr-3290	33	38	kingdom	kingdom	PROPN
fsr-3290	33	39	john	john	PROPN
fsr-3290	33	40	grable	grable	PROPN
fsr-3290	33	41	university	university	PROPN
fsr-3290	33	42	of	of	ADP
fsr-3290	33	43	georgia	georgia	PROPN
fsr-3290	33	44	suzanne	suzanne	PROPN
fsr-3290	33	45	gradisher	gradisher	PROPN
fsr-3290	33	46	akron	akron	PROPN
fsr-3290	33	47	university	university	PROPN
fsr-3290	33	48	vickie	vickie	PROPN
fsr-3290	33	49	hampton	hampton	PROPN
fsr-3290	33	50	texas	texas	PROPN
fsr-3290	33	51	tech	tech	PROPN
fsr-3290	33	52	university	university	PROPN
fsr-3290	33	53	andrea	andrea	PROPN
fsr-3290	33	54	hershatter	hershatter	PROPN
fsr-3290	33	55	emory	emory	PROPN
fsr-3290	33	56	dieter	dieter	PROPN
fsr-3290	33	57	hess	hess	PROPN
fsr-3290	33	58	university	university	PROPN
fsr-3290	33	59	of	of	ADP
fsr-3290	33	60	colgne	colgne	PROPN
fsr-3290	33	61	matthew	matthew	PROPN
fsr-3290	33	62	hurst	hurst	PROPN
fsr-3290	33	63	stetson	stetson	PROPN
fsr-3290	33	64	university	university	PROPN
fsr-3290	33	65	david	david	PROPN
fsr-3290	33	66	hunter	hunter	PROPN
fsr-3290	33	67	university	university	PROPN
fsr-3290	33	68	of	of	ADP
fsr-3290	33	69	hawaii	hawaii	PROPN
fsr-3290	33	70	richard	richard	PROPN
fsr-3290	33	71	kish	kish	PROPN
fsr-3290	33	72	lehigh	lehigh	PROPN
fsr-3290	33	73	university	university	PROPN
fsr-3290	33	74	van	van	PROPN
fsr-3290	33	75	son	son	PROPN
fsr-3290	33	76	lai	lai	PROPN
fsr-3290	33	77	universite	universite	PROPN
fsr-3290	33	78	laval	laval	PROPN
fsr-3290	33	79	kc	kc	PROPN
fsr-3290	33	80	ma	ma	PROPN
fsr-3290	33	81	stetson	stetson	PROPN
fsr-3290	33	82	university	university	PROPN
fsr-3290	33	83	charles	charles	PROPN
fsr-3290	33	84	larkin	larkin	PROPN
fsr-3290	33	85	trinity	trinity	PROPN
fsr-3290	33	86	college	college	PROPN
fsr-3290	33	87	dublin	dublin	PROPN
fsr-3290	33	88	camilla	camilla	PROPN
fsr-3290	33	89	mazzoli	mazzoli	PROPN
fsr-3290	33	90	università	università	PROPN
fsr-3290	33	91	politecnica	politecnica	PROPN
fsr-3290	33	92	david	david	PROPN
fsr-3290	33	93	michayluk	michayluk	PROPN
fsr-3290	33	94	australia	australia	PROPN
fsr-3290	33	95	vi	vi	PROPN
fsr-3290	33	96	editorial	editorial	NOUN
fsr-3290	33	97	/	/	SYM
fsr-3290	33	98	financial	financial	ADJ
fsr-3290	33	99	services	service	NOUN
fsr-3290	33	100	review	review	VERB
fsr-3290	33	101	25	25	NUM
fsr-3290	33	102	(	(	PUNCT
fsr-3290	33	103	2016	2016	NUM
fsr-3290	33	104	)	)	PUNCT
fsr-3290	33	105	v	v	NOUN
fsr-3290	33	106	–	–	PUNCT
fsr-3290	33	107	vii	vii	PROPN
fsr-3290	33	108	please	please	INTJ
fsr-3290	33	109	consider	consider	VERB
fsr-3290	33	110	submission	submission	NOUN
fsr-3290	33	111	to	to	ADP
fsr-3290	33	112	the	the	DET
fsr-3290	33	113	financial	financial	ADJ
fsr-3290	33	114	services	service	NOUN
fsr-3290	33	115	review	review	NOUN
fsr-3290	33	116	and	and	CCONJ
fsr-3290	33	117	rely	rely	VERB
fsr-3290	33	118	on	on	ADP
fsr-3290	33	119	the	the	DET
fsr-3290	33	120	style	style	NOUN
fsr-3290	33	121	information	information	NOUN
fsr-3290	33	122	provided	provide	VERB
fsr-3290	33	123	to	to	PART
fsr-3290	33	124	ease	ease	VERB
fsr-3290	33	125	readability	readability	NOUN
fsr-3290	33	126	and	and	CCONJ
fsr-3290	33	127	streamline	streamline	VERB
fsr-3290	33	128	the	the	DET
fsr-3290	33	129	review	review	NOUN
fsr-3290	33	130	process	process	NOUN
fsr-3290	33	131	.	.	PUNCT
fsr-3290	34	1	the	the	DET
fsr-3290	34	2	journal	journal	NOUN
fsr-3290	34	3	welcomes	welcome	VERB
fsr-3290	34	4	articles	article	NOUN
fsr-3290	34	5	over	over	ADP
fsr-3290	34	6	the	the	DET
fsr-3290	34	7	range	range	NOUN
fsr-3290	34	8	of	of	ADP
fsr-3290	34	9	areas	area	NOUN
fsr-3290	34	10	that	that	PRON
fsr-3290	34	11	comprise	comprise	VERB
fsr-3290	34	12	personal	personal	ADJ
fsr-3290	34	13	financial	financial	ADJ
fsr-3290	34	14	planning	planning	NOUN
fsr-3290	34	15	.	.	PUNCT
fsr-3290	35	1	while	while	SCONJ
fsr-3290	35	2	fsr	fsr	PROPN
fsr-3290	35	3	articles	article	NOUN
fsr-3290	35	4	are	be	AUX
fsr-3290	35	5	certainly	certainly	ADV
fsr-3290	35	6	diverse	diverse	ADJ
fsr-3290	35	7	in	in	ADP
fsr-3290	35	8	terms	term	NOUN
fsr-3290	35	9	of	of	ADP
fsr-3290	35	10	topic	topic	NOUN
fsr-3290	35	11	,	,	PUNCT
fsr-3290	35	12	data	datum	NOUN
fsr-3290	35	13	,	,	PUNCT
fsr-3290	35	14	and	and	CCONJ
fsr-3290	35	15	method	method	NOUN
fsr-3290	35	16	,	,	PUNCT
fsr-3290	35	17	they	they	PRON
fsr-3290	35	18	are	be	AUX
fsr-3290	35	19	focused	focus	VERB
fsr-3290	35	20	in	in	ADP
fsr-3290	35	21	terms	term	NOUN
fsr-3290	35	22	of	of	ADP
fsr-3290	35	23	motivation	motivation	NOUN
fsr-3290	35	24	.	.	PUNCT
fsr-3290	36	1	fsr	fsr	PROPN
fsr-3290	36	2	exists	exist	VERB
fsr-3290	36	3	to	to	PART
fsr-3290	36	4	produce	produce	VERB
fsr-3290	36	5	research	research	NOUN
fsr-3290	36	6	that	that	PRON
fsr-3290	36	7	addresses	address	VERB
fsr-3290	36	8	issues	issue	NOUN
fsr-3290	36	9	that	that	PRON
fsr-3290	36	10	matter	matter	VERB
fsr-3290	36	11	to	to	ADP
fsr-3290	36	12	individuals	individual	NOUN
fsr-3290	36	13	.	.	PUNCT
fsr-3290	37	1	i	i	PRON
fsr-3290	37	2	remain	remain	VERB
fsr-3290	37	3	committed	committed	ADJ
fsr-3290	37	4	to	to	ADP
fsr-3290	37	5	the	the	DET
fsr-3290	37	6	goal	goal	NOUN
fsr-3290	37	7	of	of	ADP
fsr-3290	37	8	making	make	VERB
fsr-3290	37	9	financial	financial	ADJ
fsr-3290	37	10	services	service	NOUN
fsr-3290	37	11	review	review	VERB
fsr-3290	37	12	the	the	DET
fsr-3290	37	13	best	good	ADJ
fsr-3290	37	14	academic	academic	ADJ
fsr-3290	37	15	journal	journal	NOUN
fsr-3290	37	16	in	in	ADP
fsr-3290	37	17	individual	individual	ADJ
fsr-3290	37	18	financial	financial	ADJ
fsr-3290	37	19	management	management	NOUN
fsr-3290	37	20	and	and	CCONJ
fsr-3290	37	21	personal	personal	ADJ
fsr-3290	37	22	financial	financial	ADJ
fsr-3290	37	23	planning	planning	NOUN
fsr-3290	37	24	.	.	PUNCT
fsr-3290	38	1	best	good	ADJ
fsr-3290	38	2	regards	regard	VERB
fsr-3290	38	3	,	,	PUNCT
fsr-3290	38	4	stuart	stuart	PROPN
fsr-3290	38	5	michelson	michelson	PROPN
fsr-3290	38	6	editor	editor	PROPN
fsr-3290	38	7	financial	financial	PROPN
fsr-3290	38	8	services	services	PROPN
fsr-3290	38	9	review	review	VERB
fsr-3290	38	10	david	david	PROPN
fsr-3290	38	11	nanigian	nanigian	PROPN
fsr-3290	38	12	csu	csu	PROPN
fsr-3290	38	13	fullerton	fullerton	PROPN
fsr-3290	38	14	david	david	PROPN
fsr-3290	38	15	north	north	PROPN
fsr-3290	38	16	university	university	PROPN
fsr-3290	38	17	of	of	ADP
fsr-3290	38	18	richmond	richmond	PROPN
fsr-3290	38	19	barbera	barbera	PROPN
fsr-3290	38	20	o’neill	o’neill	PROPN
fsr-3290	38	21	rutgers	rutgers	PROPN
fsr-3290	38	22	wade	wade	PROPN
fsr-3290	38	23	pfau	pfau	VERB
fsr-3290	38	24	the	the	DET
fsr-3290	38	25	american	american	PROPN
fsr-3290	38	26	college	college	PROPN
fsr-3290	38	27	kenneth	kenneth	PROPN
fsr-3290	38	28	ryack	ryack	PROPN
fsr-3290	38	29	quinnipiac	quinnipiac	PROPN
fsr-3290	38	30	university	university	PROPN
fsr-3290	38	31	kathyrn	kathyrn	PROPN
fsr-3290	38	32	simms	simms	PROPN
fsr-3290	38	33	old	old	ADJ
fsr-3290	38	34	dominion	dominion	PROPN
fsr-3290	38	35	university	university	PROPN
fsr-3290	38	36	sandeep	sandeep	PROPN
fsr-3290	38	37	singh	singh	PROPN
fsr-3290	38	38	brockport	brockport	PROPN
fsr-3290	38	39	university	university	PROPN
fsr-3290	38	40	jerry	jerry	PROPN
fsr-3290	38	41	stevens	stevens	PROPN
fsr-3290	38	42	university	university	PROPN
fsr-3290	38	43	of	of	ADP
fsr-3290	38	44	richmond	richmond	PROPN
fsr-3290	38	45	gene	gene	NOUN
fsr-3290	38	46	stout	stout	ADP
fsr-3290	38	47	central	central	PROPN
fsr-3290	38	48	michigan	michigan	PROPN
fsr-3290	38	49	dante	dante	PROPN
fsr-3290	38	50	suarez	suarez	PROPN
fsr-3290	38	51	trinity	trinity	PROPN
fsr-3290	38	52	college	college	PROPN
fsr-3290	38	53	ning	ning	PROPN
fsr-3290	38	54	tang	tang	PROPN
fsr-3290	38	55	san	san	PROPN
fsr-3290	38	56	diego	diego	PROPN
fsr-3290	38	57	state	state	PROPN
fsr-3290	38	58	university	university	PROPN
fsr-3290	38	59	barton	barton	PROPN
fsr-3290	38	60	waring	waring	NOUN
fsr-3290	38	61	bartonwaring	bartonware	VERB
fsr-3290	38	62	viieditorial	viieditorial	ADJ
fsr-3290	38	63	/	/	SYM
fsr-3290	38	64	financial	financial	ADJ
fsr-3290	38	65	services	service	NOUN
fsr-3290	38	66	review	review	VERB
fsr-3290	38	67	25	25	NUM
fsr-3290	38	68	(	(	PUNCT
fsr-3290	38	69	2016	2016	NUM
fsr-3290	38	70	)	)	PUNCT
fsr-3290	38	71	v	v	NOUN
fsr-3290	38	72	–	–	PUNCT
fsr-3290	38	73	vii	vii	NOUN