id	sid	tid	token	lemma	pos
fsr-3302	1	1	from	from	ADP
fsr-3302	1	2	the	the	DET
fsr-3302	1	3	editor	editor	NOUN
fsr-3302	1	4	this	this	DET
fsr-3302	1	5	issue	issue	NOUN
fsr-3302	1	6	contains	contain	VERB
fsr-3302	1	7	issue	issue	NOUN
fsr-3302	1	8	2	2	NUM
fsr-3302	1	9	of	of	ADP
fsr-3302	1	10	volume	volume	NOUN
fsr-3302	1	11	26	26	NUM
fsr-3302	1	12	of	of	ADP
fsr-3302	1	13	financial	financial	ADJ
fsr-3302	1	14	services	service	NOUN
fsr-3302	1	15	review	review	NOUN
fsr-3302	1	16	(	(	PUNCT
fsr-3302	1	17	fsr	fsr	PROPN
fsr-3302	1	18	)	)	PUNCT
fsr-3302	1	19	.	.	PUNCT
fsr-3302	2	1	i	i	PRON
fsr-3302	2	2	would	would	AUX
fsr-3302	2	3	like	like	VERB
fsr-3302	2	4	to	to	PART
fsr-3302	2	5	thank	thank	VERB
fsr-3302	2	6	the	the	DET
fsr-3302	2	7	board	board	NOUN
fsr-3302	2	8	and	and	CCONJ
fsr-3302	2	9	members	member	NOUN
fsr-3302	2	10	of	of	ADP
fsr-3302	2	11	the	the	DET
fsr-3302	2	12	academy	academy	NOUN
fsr-3302	2	13	of	of	ADP
fsr-3302	2	14	financial	financial	ADJ
fsr-3302	2	15	services	service	NOUN
fsr-3302	2	16	for	for	ADP
fsr-3302	2	17	their	their	PRON
fsr-3302	2	18	continued	continue	VERB
fsr-3302	2	19	support	support	NOUN
fsr-3302	2	20	.	.	PUNCT
fsr-3302	3	1	i	i	PRON
fsr-3302	3	2	continue	continue	VERB
fsr-3302	3	3	to	to	PART
fsr-3302	3	4	work	work	VERB
fsr-3302	3	5	in	in	ADP
fsr-3302	3	6	broadening	broaden	VERB
fsr-3302	3	7	the	the	DET
fsr-3302	3	8	scope	scope	NOUN
fsr-3302	3	9	of	of	ADP
fsr-3302	3	10	articles	article	NOUN
fsr-3302	3	11	,	,	PUNCT
fsr-3302	3	12	while	while	SCONJ
fsr-3302	3	13	still	still	ADV
fsr-3302	3	14	focusing	focus	VERB
fsr-3302	3	15	on	on	ADP
fsr-3302	3	16	individual	individual	ADJ
fsr-3302	3	17	financial	financial	ADJ
fsr-3302	3	18	management	management	NOUN
fsr-3302	3	19	and	and	CCONJ
fsr-3302	3	20	personal	personal	ADJ
fsr-3302	3	21	financial	financial	ADJ
fsr-3302	3	22	planning	planning	NOUN
fsr-3302	3	23	.	.	PUNCT
fsr-3302	4	1	i	i	PRON
fsr-3302	4	2	encourage	encourage	VERB
fsr-3302	4	3	authors	author	NOUN
fsr-3302	4	4	to	to	PART
fsr-3302	4	5	reach	reach	VERB
fsr-3302	4	6	out	out	ADP
fsr-3302	4	7	when	when	SCONJ
fsr-3302	4	8	discussing	discuss	VERB
fsr-3302	4	9	implications	implication	NOUN
fsr-3302	4	10	of	of	ADP
fsr-3302	4	11	their	their	PRON
fsr-3302	4	12	findings	finding	NOUN
fsr-3302	4	13	in	in	ADP
fsr-3302	4	14	a	a	DET
fsr-3302	4	15	more	more	ADV
fsr-3302	4	16	comprehensive	comprehensive	ADJ
fsr-3302	4	17	way	way	NOUN
fsr-3302	4	18	.	.	PUNCT
fsr-3302	5	1	as	as	SCONJ
fsr-3302	5	2	such	such	ADJ
fsr-3302	5	3	,	,	PUNCT
fsr-3302	5	4	all	all	DET
fsr-3302	5	5	articles	article	NOUN
fsr-3302	5	6	in	in	ADP
fsr-3302	5	7	the	the	DET
fsr-3302	5	8	journal	journal	NOUN
fsr-3302	5	9	more	more	ADV
fsr-3302	5	10	appropriately	appropriately	ADV
fsr-3302	5	11	relate	relate	VERB
fsr-3302	5	12	to	to	ADP
fsr-3302	5	13	financial	financial	ADJ
fsr-3302	5	14	planning	planning	NOUN
fsr-3302	5	15	issues	issue	NOUN
fsr-3302	5	16	.	.	PUNCT
fsr-3302	6	1	the	the	DET
fsr-3302	6	2	lead	lead	ADJ
fsr-3302	6	3	article	article	NOUN
fsr-3302	6	4	“	"	PUNCT
fsr-3302	6	5	retirement	retirement	NOUN
fsr-3302	6	6	income	income	NOUN
fsr-3302	6	7	strategies	strategy	NOUN
fsr-3302	6	8	designed	design	VERB
fsr-3302	6	9	in	in	ADP
fsr-3302	6	10	an	an	DET
fsr-3302	6	11	expected	expect	VERB
fsr-3302	6	12	utility	utility	NOUN
fsr-3302	6	13	framework	framework	NOUN
fsr-3302	6	14	”	"	PUNCT
fsr-3302	6	15	is	be	AUX
fsr-3302	6	16	authored	author	VERB
fsr-3302	6	17	by	by	ADP
fsr-3302	6	18	mark	mark	PROPN
fsr-3302	6	19	j.	j.	PROPN
fsr-3302	6	20	warshawsky	warshawsky	PROPN
fsr-3302	6	21	at	at	ADP
fsr-3302	6	22	relias	relias	PROPN
fsr-3302	6	23	llc	llc	PROPN
fsr-3302	6	24	.	.	PUNCT
fsr-3302	7	1	in	in	ADP
fsr-3302	7	2	this	this	DET
fsr-3302	7	3	paper	paper	NOUN
fsr-3302	7	4	,	,	PUNCT
fsr-3302	7	5	the	the	DET
fsr-3302	7	6	author	author	NOUN
fsr-3302	7	7	evaluates	evaluate	VERB
fsr-3302	7	8	various	various	ADJ
fsr-3302	7	9	classes	class	NOUN
fsr-3302	7	10	of	of	ADP
fsr-3302	7	11	retirement	retirement	NOUN
fsr-3302	7	12	income	income	NOUN
fsr-3302	7	13	strategies	strategy	NOUN
fsr-3302	7	14	and	and	CCONJ
fsr-3302	7	15	tests	test	VERB
fsr-3302	7	16	their	their	PRON
fsr-3302	7	17	robustness	robustness	NOUN
fsr-3302	7	18	in	in	ADP
fsr-3302	7	19	an	an	DET
fsr-3302	7	20	expected	expect	VERB
fsr-3302	7	21	utility	utility	NOUN
fsr-3302	7	22	framework	framework	NOUN
fsr-3302	7	23	.	.	PUNCT
fsr-3302	8	1	he	he	PRON
fsr-3302	8	2	finds	find	VERB
fsr-3302	8	3	that	that	SCONJ
fsr-3302	8	4	fixed	fix	VERB
fsr-3302	8	5	percentage	percentage	NOUN
fsr-3302	8	6	systematic	systematic	ADJ
fsr-3302	8	7	withdrawals	withdrawal	NOUN
fsr-3302	8	8	from	from	ADP
fsr-3302	8	9	an	an	DET
fsr-3302	8	10	investment	investment	NOUN
fsr-3302	8	11	portfolio	portfolio	NOUN
fsr-3302	8	12	combined	combine	VERB
fsr-3302	8	13	with	with	ADP
fsr-3302	8	14	laddered	ladder	VERB
fsr-3302	8	15	purchases	purchase	NOUN
fsr-3302	8	16	of	of	ADP
fsr-3302	8	17	immediate	immediate	ADJ
fsr-3302	8	18	life	life	NOUN
fsr-3302	8	19	annuities	annuity	NOUN
fsr-3302	8	20	stand	stand	VERB
fsr-3302	8	21	out	out	ADP
fsr-3302	8	22	as	as	ADP
fsr-3302	8	23	a	a	DET
fsr-3302	8	24	superior	superior	ADJ
fsr-3302	8	25	strategy	strategy	NOUN
fsr-3302	8	26	for	for	ADP
fsr-3302	8	27	retired	retire	VERB
fsr-3302	8	28	defined	define	VERB
fsr-3302	8	29	contribution	contribution	NOUN
fsr-3302	8	30	plan	plan	NOUN
fsr-3302	8	31	participants	participant	NOUN
fsr-3302	8	32	and	and	CCONJ
fsr-3302	8	33	ira	ira	PROPN
fsr-3302	8	34	holders	holder	NOUN
fsr-3302	8	35	,	,	PUNCT
fsr-3302	8	36	yielding	yield	VERB
fsr-3302	8	37	better	well	ADJ
fsr-3302	8	38	outcomes	outcome	NOUN
fsr-3302	8	39	than	than	ADP
fsr-3302	8	40	alternatives	alternative	NOUN
fsr-3302	8	41	,	,	PUNCT
fsr-3302	8	42	including	include	VERB
fsr-3302	8	43	longevity	longevity	NOUN
fsr-3302	8	44	insurance	insurance	NOUN
fsr-3302	8	45	.	.	PUNCT
fsr-3302	9	1	the	the	DET
fsr-3302	9	2	second	second	ADJ
fsr-3302	9	3	article	article	NOUN
fsr-3302	9	4	“	"	PUNCT
fsr-3302	9	5	the	the	DET
fsr-3302	9	6	financial	financial	ADJ
fsr-3302	9	7	literacy	literacy	NOUN
fsr-3302	9	8	of	of	ADP
fsr-3302	9	9	generation	generation	NOUN
fsr-3302	9	10	y	y	PROPN
fsr-3302	9	11	and	and	CCONJ
fsr-3302	9	12	the	the	DET
fsr-3302	9	13	influence	influence	NOUN
fsr-3302	9	14	that	that	PRON
fsr-3302	9	15	personality	personality	NOUN
fsr-3302	9	16	traits	trait	NOUN
fsr-3302	9	17	have	have	VERB
fsr-3302	9	18	on	on	ADP
fsr-3302	9	19	financial	financial	ADJ
fsr-3302	9	20	knowledge	knowledge	NOUN
fsr-3302	9	21	:	:	PUNCT
fsr-3302	9	22	evidence	evidence	NOUN
fsr-3302	9	23	from	from	ADP
fsr-3302	9	24	canada	canada	PROPN
fsr-3302	9	25	”	"	PUNCT
fsr-3302	9	26	is	be	AUX
fsr-3302	9	27	authored	author	VERB
fsr-3302	9	28	by	by	ADP
fsr-3302	9	29	robert	robert	PROPN
fsr-3302	9	30	n.	n.	PROPN
fsr-3302	9	31	killins	killins	PROPN
fsr-3302	9	32	at	at	ADP
fsr-3302	9	33	seneca	seneca	PROPN
fsr-3302	9	34	college	college	PROPN
fsr-3302	9	35	of	of	ADP
fsr-3302	9	36	applied	apply	VERB
fsr-3302	9	37	arts	art	NOUN
fsr-3302	9	38	and	and	CCONJ
fsr-3302	9	39	technology	technology	NOUN
fsr-3302	9	40	.	.	PUNCT
fsr-3302	10	1	in	in	ADP
fsr-3302	10	2	this	this	DET
fsr-3302	10	3	paper	paper	NOUN
fsr-3302	10	4	,	,	PUNCT
fsr-3302	10	5	the	the	DET
fsr-3302	10	6	author	author	NOUN
fsr-3302	10	7	examines	examine	VERB
fsr-3302	10	8	the	the	DET
fsr-3302	10	9	financial	financial	ADJ
fsr-3302	10	10	literacy	literacy	NOUN
fsr-3302	10	11	of	of	ADP
fsr-3302	10	12	generation	generation	NOUN
fsr-3302	10	13	y	y	PROPN
fsr-3302	10	14	and	and	CCONJ
fsr-3302	10	15	explores	explore	VERB
fsr-3302	10	16	how	how	SCONJ
fsr-3302	10	17	personality	personality	NOUN
fsr-3302	10	18	traits	trait	VERB
fsr-3302	10	19	influence	influence	NOUN
fsr-3302	10	20	individual	individual	NOUN
fsr-3302	10	21	’s	’s	PART
fsr-3302	10	22	financial	financial	ADJ
fsr-3302	10	23	knowledge	knowledge	NOUN
fsr-3302	10	24	.	.	PUNCT
fsr-3302	11	1	he	he	PRON
fsr-3302	11	2	uses	use	VERB
fsr-3302	11	3	a	a	DET
fsr-3302	11	4	financial	financial	ADJ
fsr-3302	11	5	literacy	literacy	NOUN
fsr-3302	11	6	survey	survey	NOUN
fsr-3302	11	7	and	and	CCONJ
fsr-3302	11	8	multiple	multiple	ADJ
fsr-3302	11	9	areas	area	NOUN
fsr-3302	11	10	of	of	ADP
fsr-3302	11	11	financial	financial	ADJ
fsr-3302	11	12	literacy	literacy	NOUN
fsr-3302	11	13	are	be	AUX
fsr-3302	11	14	measured	measure	VERB
fsr-3302	11	15	(	(	PUNCT
fsr-3302	11	16	investments	investment	NOUN
fsr-3302	11	17	,	,	PUNCT
fsr-3302	11	18	budgeting	budgeting	NOUN
fsr-3302	11	19	,	,	PUNCT
fsr-3302	11	20	economics	economic	NOUN
fsr-3302	11	21	,	,	PUNCT
fsr-3302	11	22	risk	risk	NOUN
fsr-3302	11	23	management	management	NOUN
fsr-3302	11	24	,	,	PUNCT
fsr-3302	11	25	and	and	CCONJ
fsr-3302	11	26	retirement	retirement	NOUN
fsr-3302	11	27	planning	planning	NOUN
fsr-3302	11	28	)	)	PUNCT
fsr-3302	11	29	along	along	ADP
fsr-3302	11	30	with	with	ADP
fsr-3302	11	31	the	the	DET
fsr-3302	11	32	well	well	ADV
fsr-3302	11	33	-	-	PUNCT
fsr-3302	11	34	known	know	VERB
fsr-3302	11	35	big	big	ADJ
fsr-3302	11	36	five	five	NUM
fsr-3302	11	37	personality	personality	NOUN
fsr-3302	11	38	traits	trait	NOUN
fsr-3302	11	39	.	.	PUNCT
fsr-3302	12	1	the	the	DET
fsr-3302	12	2	author	author	NOUN
fsr-3302	12	3	finds	find	VERB
fsr-3302	12	4	that	that	SCONJ
fsr-3302	12	5	the	the	DET
fsr-3302	12	6	generation	generation	NOUN
fsr-3302	12	7	y	y	PROPN
fsr-3302	12	8	cohort	cohort	NOUN
fsr-3302	12	9	is	be	AUX
fsr-3302	12	10	more	more	ADV
fsr-3302	12	11	knowledgeable	knowledgeable	ADJ
fsr-3302	12	12	in	in	ADP
fsr-3302	12	13	budgeting	budgeting	NOUN
fsr-3302	12	14	and	and	CCONJ
fsr-3302	12	15	risk	risk	NOUN
fsr-3302	12	16	management	management	NOUN
fsr-3302	12	17	segments	segment	NOUN
fsr-3302	12	18	of	of	ADP
fsr-3302	12	19	financial	financial	ADJ
fsr-3302	12	20	literacy	literacy	NOUN
fsr-3302	12	21	,	,	PUNCT
fsr-3302	12	22	but	but	CCONJ
fsr-3302	12	23	they	they	PRON
fsr-3302	12	24	lack	lack	VERB
fsr-3302	12	25	knowledge	knowledge	NOUN
fsr-3302	12	26	in	in	ADP
fsr-3302	12	27	retirement	retirement	NOUN
fsr-3302	12	28	planning	planning	NOUN
fsr-3302	12	29	.	.	PUNCT
fsr-3302	13	1	additionally	additionally	ADV
fsr-3302	13	2	,	,	PUNCT
fsr-3302	13	3	he	he	PRON
fsr-3302	13	4	finds	find	VERB
fsr-3302	13	5	that	that	SCONJ
fsr-3302	13	6	extraversion	extraversion	NOUN
fsr-3302	13	7	and	and	CCONJ
fsr-3302	13	8	conscientiousness	conscientiousness	NOUN
fsr-3302	13	9	are	be	AUX
fsr-3302	13	10	both	both	PRON
fsr-3302	13	11	important	important	ADJ
fsr-3302	13	12	personality	personality	NOUN
fsr-3302	13	13	traits	trait	NOUN
fsr-3302	13	14	when	when	SCONJ
fsr-3302	13	15	regressed	regress	VERB
fsr-3302	13	16	on	on	ADP
fsr-3302	13	17	individuals	individual	NOUN
fsr-3302	13	18	overall	overall	ADJ
fsr-3302	13	19	financial	financial	ADJ
fsr-3302	13	20	literacy	literacy	NOUN
fsr-3302	13	21	levels	level	NOUN
fsr-3302	13	22	.	.	PUNCT
fsr-3302	14	1	the	the	DET
fsr-3302	14	2	third	third	ADJ
fsr-3302	14	3	article	article	NOUN
fsr-3302	14	4	,	,	PUNCT
fsr-3302	14	5	“	"	PUNCT
fsr-3302	14	6	active	active	ADJ
fsr-3302	14	7	asset	asset	NOUN
fsr-3302	14	8	allocation	allocation	NOUN
fsr-3302	14	9	for	for	ADP
fsr-3302	14	10	retirement	retirement	NOUN
fsr-3302	14	11	funds	fund	NOUN
fsr-3302	14	12	using	use	VERB
fsr-3302	14	13	the	the	DET
fsr-3302	14	14	fed	fed	PROPN
fsr-3302	14	15	model	model	NOUN
fsr-3302	14	16	”	"	PUNCT
fsr-3302	14	17	is	be	AUX
fsr-3302	14	18	coauthored	coauthore	VERB
fsr-3302	14	19	by	by	ADP
fsr-3302	14	20	john	john	PROPN
fsr-3302	14	21	m.	m.	PROPN
fsr-3302	14	22	clinebell	clinebell	PROPN
fsr-3302	14	23	at	at	ADP
fsr-3302	14	24	university	university	PROPN
fsr-3302	14	25	of	of	ADP
fsr-3302	14	26	northern	northern	PROPN
fsr-3302	14	27	colorado	colorado	PROPN
fsr-3302	14	28	,	,	PUNCT
fsr-3302	14	29	douglas	douglas	PROPN
fsr-3302	14	30	r.	r.	PROPN
fsr-3302	14	31	kahl	kahl	PROPN
fsr-3302	14	32	at	at	ADP
fsr-3302	14	33	university	university	PROPN
fsr-3302	14	34	of	of	ADP
fsr-3302	14	35	akron	akron	PROPN
fsr-3302	14	36	,	,	PUNCT
fsr-3302	14	37	and	and	CCONJ
fsr-3302	14	38	jerry	jerry	PROPN
fsr-3302	14	39	l.	l.	PROPN
fsr-3302	14	40	stevens	stevens	PROPN
fsr-3302	14	41	at	at	ADP
fsr-3302	14	42	university	university	PROPN
fsr-3302	14	43	of	of	ADP
fsr-3302	14	44	richmond	richmond	PROPN
fsr-3302	14	45	.	.	PUNCT
fsr-3302	15	1	active	active	ADJ
fsr-3302	15	2	asset	asset	NOUN
fsr-3302	15	3	allocation	allocation	NOUN
fsr-3302	15	4	,	,	PUNCT
fsr-3302	15	5	also	also	ADV
fsr-3302	15	6	known	know	VERB
fsr-3302	15	7	as	as	ADP
fsr-3302	15	8	market	market	NOUN
fsr-3302	15	9	timing	timing	NOUN
fsr-3302	15	10	,	,	PUNCT
fsr-3302	15	11	is	be	AUX
fsr-3302	15	12	controversial	controversial	ADJ
fsr-3302	15	13	but	but	CCONJ
fsr-3302	15	14	potentially	potentially	ADV
fsr-3302	15	15	effective	effective	ADJ
fsr-3302	15	16	for	for	ADP
fsr-3302	15	17	individual	individual	ADJ
fsr-3302	15	18	investors	investor	NOUN
fsr-3302	15	19	and	and	CCONJ
fsr-3302	15	20	financial	financial	ADJ
fsr-3302	15	21	advisors	advisor	NOUN
fsr-3302	15	22	.	.	PUNCT
fsr-3302	16	1	this	this	DET
fsr-3302	16	2	study	study	NOUN
fsr-3302	16	3	addresses	address	VERB
fsr-3302	16	4	many	many	ADJ
fsr-3302	16	5	of	of	ADP
fsr-3302	16	6	the	the	DET
fsr-3302	16	7	concerns	concern	NOUN
fsr-3302	16	8	related	relate	VERB
fsr-3302	16	9	to	to	ADP
fsr-3302	16	10	market	market	NOUN
fsr-3302	16	11	timing	timing	NOUN
fsr-3302	16	12	studies	study	NOUN
fsr-3302	16	13	.	.	PUNCT
fsr-3302	17	1	the	the	DET
fsr-3302	17	2	authors	author	NOUN
fsr-3302	17	3	control	control	VERB
fsr-3302	17	4	for	for	ADP
fsr-3302	17	5	transaction	transaction	NOUN
fsr-3302	17	6	costs	cost	NOUN
fsr-3302	17	7	and	and	CCONJ
fsr-3302	17	8	tax	tax	NOUN
fsr-3302	17	9	effects	effect	NOUN
fsr-3302	17	10	by	by	ADP
fsr-3302	17	11	focusing	focus	VERB
fsr-3302	17	12	on	on	ADP
fsr-3302	17	13	funds	fund	NOUN
fsr-3302	17	14	available	available	ADJ
fsr-3302	17	15	for	for	ADP
fsr-3302	17	16	retirement	retirement	NOUN
fsr-3302	17	17	accounts	account	NOUN
fsr-3302	17	18	within	within	ADP
fsr-3302	17	19	a	a	DET
fsr-3302	17	20	vanguard	vanguard	NOUN
fsr-3302	17	21	fund	fund	PROPN
fsr-3302	17	22	family	family	NOUN
fsr-3302	17	23	which	which	PRON
fsr-3302	17	24	allows	allow	VERB
fsr-3302	17	25	for	for	ADP
fsr-3302	17	26	costless	costless	NOUN
fsr-3302	17	27	monthly	monthly	ADJ
fsr-3302	17	28	transfers	transfer	NOUN
fsr-3302	17	29	.	.	PUNCT
fsr-3302	18	1	they	they	PRON
fsr-3302	18	2	use	use	VERB
fsr-3302	18	3	a	a	DET
fsr-3302	18	4	“	"	PUNCT
fsr-3302	18	5	risk	risk	NOUN
fsr-3302	18	6	on	on	ADP
fsr-3302	18	7	”	"	PUNCT
fsr-3302	18	8	or	or	CCONJ
fsr-3302	18	9	“	"	PUNCT
fsr-3302	18	10	risk	risk	VERB
fsr-3302	18	11	off	off	ADP
fsr-3302	18	12	”	"	PUNCT
fsr-3302	18	13	approach	approach	NOUN
fsr-3302	18	14	rather	rather	ADV
fsr-3302	18	15	than	than	ADP
fsr-3302	18	16	experiment	experiment	NOUN
fsr-3302	18	17	with	with	ADP
fsr-3302	18	18	arbitrary	arbitrary	ADJ
fsr-3302	18	19	cutoff	cutoff	NOUN
fsr-3302	18	20	rules	rule	NOUN
fsr-3302	18	21	for	for	ADP
fsr-3302	18	22	switching	switch	VERB
fsr-3302	18	23	funds	fund	NOUN
fsr-3302	18	24	.	.	PUNCT
fsr-3302	19	1	they	they	PRON
fsr-3302	19	2	test	test	VERB
fsr-3302	19	3	the	the	DET
fsr-3302	19	4	time	time	NOUN
fsr-3302	19	5	series	series	NOUN
fsr-3302	19	6	properties	property	NOUN
fsr-3302	19	7	of	of	ADP
fsr-3302	19	8	the	the	DET
fsr-3302	19	9	fed	fed	PROPN
fsr-3302	19	10	financial	financial	ADJ
fsr-3302	19	11	services	service	NOUN
fsr-3302	19	12	review	review	VERB
fsr-3302	19	13	26	26	NUM
fsr-3302	19	14	(	(	PUNCT
fsr-3302	19	15	2017	2017	NUM
fsr-3302	19	16	)	)	PUNCT
fsr-3302	19	17	v	v	NOUN
fsr-3302	19	18	–	–	PUNCT
fsr-3302	19	19	vi	vi	NOUN
fsr-3302	19	20	1057	1057	NUM
fsr-3302	19	21	-	-	SYM
fsr-3302	19	22	0810/17/$	0810/17/$	NUM
fsr-3302	19	23	–	–	PUNCT
fsr-3302	19	24	see	see	VERB
fsr-3302	19	25	front	front	ADJ
fsr-3302	19	26	matter	matter	NOUN
fsr-3302	19	27	©	©	PROPN
fsr-3302	19	28	2017	2017	NUM
fsr-3302	19	29	academy	academy	NOUN
fsr-3302	19	30	of	of	ADP
fsr-3302	19	31	financial	financial	ADJ
fsr-3302	19	32	services	service	NOUN
fsr-3302	19	33	.	.	PUNCT
fsr-3302	20	1	all	all	DET
fsr-3302	20	2	rights	right	NOUN
fsr-3302	20	3	reserved	reserve	VERB
fsr-3302	20	4	.	.	PUNCT
fsr-3302	20	5	model	model	NOUN
fsr-3302	20	6	to	to	PART
fsr-3302	20	7	build	build	VERB
fsr-3302	20	8	a	a	DET
fsr-3302	20	9	prediction	prediction	NOUN
fsr-3302	20	10	model	model	NOUN
fsr-3302	20	11	and	and	CCONJ
fsr-3302	20	12	then	then	ADV
fsr-3302	20	13	apply	apply	VERB
fsr-3302	20	14	it	it	PRON
fsr-3302	20	15	over	over	ADP
fsr-3302	20	16	a	a	DET
fsr-3302	20	17	recent	recent	ADJ
fsr-3302	20	18	five	five	NUM
fsr-3302	20	19	-	-	PUNCT
fsr-3302	20	20	year	year	NOUN
fsr-3302	20	21	hold	hold	NOUN
fsr-3302	20	22	-	-	PUNCT
fsr-3302	20	23	out	out	NOUN
fsr-3302	20	24	of	of	ADP
fsr-3302	20	25	period	period	NOUN
fsr-3302	20	26	.	.	PUNCT
fsr-3302	21	1	their	their	PRON
fsr-3302	21	2	findings	finding	NOUN
fsr-3302	21	3	show	show	VERB
fsr-3302	21	4	that	that	SCONJ
fsr-3302	21	5	the	the	DET
fsr-3302	21	6	switching	switch	VERB
fsr-3302	21	7	portfolio	portfolio	NOUN
fsr-3302	21	8	offers	offer	VERB
fsr-3302	21	9	attractive	attractive	ADJ
fsr-3302	21	10	performance	performance	NOUN
fsr-3302	21	11	compared	compare	VERB
fsr-3302	21	12	to	to	ADP
fsr-3302	21	13	either	either	PRON
fsr-3302	21	14	of	of	ADP
fsr-3302	21	15	the	the	DET
fsr-3302	21	16	vanguard	vanguard	NOUN
fsr-3302	21	17	funds	fund	NOUN
fsr-3302	21	18	,	,	PUNCT
fsr-3302	21	19	especially	especially	ADV
fsr-3302	21	20	with	with	ADP
fsr-3302	21	21	respect	respect	NOUN
fsr-3302	21	22	to	to	ADP
fsr-3302	21	23	enhancing	enhance	VERB
fsr-3302	21	24	upside	upside	ADV
fsr-3302	21	25	to	to	PART
fsr-3302	21	26	downside	downside	VERB
fsr-3302	21	27	risk	risk	NOUN
fsr-3302	21	28	ratios	ratio	NOUN
fsr-3302	21	29	.	.	PUNCT
fsr-3302	22	1	the	the	DET
fsr-3302	22	2	fourth	fourth	ADJ
fsr-3302	22	3	article	article	NOUN
fsr-3302	22	4	,	,	PUNCT
fsr-3302	22	5	“	"	PUNCT
fsr-3302	22	6	bond	bond	NOUN
fsr-3302	22	7	laddering	laddering	NOUN
fsr-3302	22	8	and	and	CCONJ
fsr-3302	22	9	bond	bond	NOUN
fsr-3302	22	10	indexing	indexing	NOUN
fsr-3302	22	11	:	:	PUNCT
fsr-3302	22	12	an	an	DET
fsr-3302	22	13	empirical	empirical	ADJ
fsr-3302	22	14	comparison	comparison	NOUN
fsr-3302	22	15	”	"	PUNCT
fsr-3302	22	16	is	be	AUX
fsr-3302	22	17	coauthored	coauthore	VERB
fsr-3302	22	18	by	by	ADP
fsr-3302	22	19	c.	c.	PROPN
fsr-3302	22	20	sherman	sherman	PROPN
fsr-3302	22	21	cheung	cheung	PROPN
fsr-3302	22	22	and	and	CCONJ
fsr-3302	22	23	peter	peter	PROPN
fsr-3302	22	24	miu	miu	PROPN
fsr-3302	22	25	at	at	ADP
fsr-3302	22	26	mcmaster	mcmaster	PROPN
fsr-3302	22	27	university	university	PROPN
fsr-3302	22	28	.	.	PUNCT
fsr-3302	23	1	bond	bond	NOUN
fsr-3302	23	2	laddering	laddering	NOUN
fsr-3302	23	3	and	and	CCONJ
fsr-3302	23	4	bond	bond	NOUN
fsr-3302	23	5	indexing	indexing	NOUN
fsr-3302	23	6	have	have	AUX
fsr-3302	23	7	been	be	AUX
fsr-3302	23	8	widely	widely	ADV
fsr-3302	23	9	accepted	accept	VERB
fsr-3302	23	10	approaches	approach	NOUN
fsr-3302	23	11	to	to	ADP
fsr-3302	23	12	bond	bond	NOUN
fsr-3302	23	13	investing	invest	VERB
fsr-3302	23	14	among	among	ADP
fsr-3302	23	15	retail	retail	ADJ
fsr-3302	23	16	investors	investor	NOUN
fsr-3302	23	17	,	,	PUNCT
fsr-3302	23	18	although	although	SCONJ
fsr-3302	23	19	bond	bond	NOUN
fsr-3302	23	20	laddering	laddering	NOUN
fsr-3302	23	21	has	have	AUX
fsr-3302	23	22	virtually	virtually	ADV
fsr-3302	23	23	been	be	AUX
fsr-3302	23	24	ignored	ignore	VERB
fsr-3302	23	25	in	in	ADP
fsr-3302	23	26	the	the	DET
fsr-3302	23	27	academic	academic	ADJ
fsr-3302	23	28	literature	literature	NOUN
fsr-3302	23	29	.	.	PUNCT
fsr-3302	24	1	both	both	DET
fsr-3302	24	2	approaches	approach	NOUN
fsr-3302	24	3	are	be	AUX
fsr-3302	24	4	passive	passive	ADJ
fsr-3302	24	5	strategies	strategy	NOUN
fsr-3302	24	6	with	with	AUX
fsr-3302	24	7	do	do	AUX
fsr-3302	24	8	not	not	PART
fsr-3302	24	9	attempt	attempt	VERB
fsr-3302	24	10	to	to	PART
fsr-3302	24	11	beat	beat	VERB
fsr-3302	24	12	the	the	DET
fsr-3302	24	13	market	market	NOUN
fsr-3302	24	14	.	.	PUNCT
fsr-3302	25	1	open	open	ADJ
fsr-3302	25	2	questions	question	NOUN
fsr-3302	25	3	are	be	AUX
fsr-3302	25	4	:	:	PUNCT
fsr-3302	25	5	which	which	DET
fsr-3302	25	6	approach	approach	NOUN
fsr-3302	25	7	should	should	AUX
fsr-3302	25	8	an	an	DET
fsr-3302	25	9	investor	investor	NOUN
fsr-3302	25	10	favor	favor	NOUN
fsr-3302	25	11	,	,	PUNCT
fsr-3302	25	12	is	be	AUX
fsr-3302	25	13	there	there	PRON
fsr-3302	25	14	any	any	DET
fsr-3302	25	15	room	room	NOUN
fsr-3302	25	16	for	for	SCONJ
fsr-3302	25	17	both	both	PRON
fsr-3302	25	18	to	to	PART
fsr-3302	25	19	be	be	AUX
fsr-3302	25	20	used	use	VERB
fsr-3302	25	21	at	at	ADP
fsr-3302	25	22	the	the	DET
fsr-3302	25	23	same	same	ADJ
fsr-3302	25	24	time	time	NOUN
fsr-3302	25	25	,	,	PUNCT
fsr-3302	25	26	and	and	CCONJ
fsr-3302	25	27	what	what	PRON
fsr-3302	25	28	is	be	AUX
fsr-3302	25	29	the	the	DET
fsr-3302	25	30	appropriate	appropriate	ADJ
fsr-3302	25	31	term	term	NOUN
fsr-3302	25	32	to	to	ADP
fsr-3302	25	33	maturity	maturity	NOUN
fsr-3302	25	34	for	for	ADP
fsr-3302	25	35	the	the	DET
fsr-3302	25	36	ladder	ladder	NOUN
fsr-3302	25	37	.	.	PUNCT
fsr-3302	26	1	the	the	DET
fsr-3302	26	2	authors	author	NOUN
fsr-3302	26	3	investigate	investigate	VERB
fsr-3302	26	4	the	the	DET
fsr-3302	26	5	relative	relative	ADJ
fsr-3302	26	6	attractiveness	attractiveness	NOUN
fsr-3302	26	7	of	of	ADP
fsr-3302	26	8	the	the	DET
fsr-3302	26	9	two	two	NUM
fsr-3302	26	10	approaches	approach	NOUN
fsr-3302	26	11	and	and	CCONJ
fsr-3302	26	12	identify	identify	VERB
fsr-3302	26	13	conditions	condition	NOUN
fsr-3302	26	14	that	that	PRON
fsr-3302	26	15	favor	favor	VERB
fsr-3302	26	16	one	one	NUM
fsr-3302	26	17	over	over	ADP
fsr-3302	26	18	the	the	DET
fsr-3302	26	19	other	other	ADJ
fsr-3302	26	20	.	.	PUNCT
fsr-3302	27	1	further	far	ADV
fsr-3302	27	2	,	,	PUNCT
fsr-3302	27	3	the	the	DET
fsr-3302	27	4	authors	author	NOUN
fsr-3302	27	5	examine	examine	VERB
fsr-3302	27	6	conditions	condition	NOUN
fsr-3302	27	7	under	under	ADP
fsr-3302	27	8	which	which	PRON
fsr-3302	27	9	both	both	DET
fsr-3302	27	10	instruments	instrument	NOUN
fsr-3302	27	11	should	should	AUX
fsr-3302	27	12	be	be	AUX
fsr-3302	27	13	held	hold	VERB
fsr-3302	27	14	within	within	ADP
fsr-3302	27	15	an	an	DET
fsr-3302	27	16	optimal	optimal	ADJ
fsr-3302	27	17	portfolio	portfolio	NOUN
fsr-3302	27	18	and	and	CCONJ
fsr-3302	27	19	identify	identify	VERB
fsr-3302	27	20	situations	situation	NOUN
fsr-3302	27	21	in	in	ADP
fsr-3302	27	22	which	which	PRON
fsr-3302	27	23	a	a	DET
fsr-3302	27	24	longer	long	ADJ
fsr-3302	27	25	-	-	PUNCT
fsr-3302	27	26	term	term	NOUN
fsr-3302	27	27	ladder	ladder	NOUN
fsr-3302	27	28	is	be	AUX
fsr-3302	27	29	more	more	ADV
fsr-3302	27	30	appropriate	appropriate	ADJ
fsr-3302	27	31	than	than	ADP
fsr-3302	27	32	a	a	DET
fsr-3302	27	33	shorter	short	ADJ
fsr-3302	27	34	-	-	PUNCT
fsr-3302	27	35	term	term	NOUN
fsr-3302	27	36	ladder	ladder	NOUN
fsr-3302	27	37	.	.	PUNCT
fsr-3302	28	1	the	the	DET
fsr-3302	28	2	final	final	ADJ
fsr-3302	28	3	article	article	NOUN
fsr-3302	28	4	,	,	PUNCT
fsr-3302	28	5	“	"	PUNCT
fsr-3302	28	6	the	the	DET
fsr-3302	28	7	impact	impact	NOUN
fsr-3302	28	8	of	of	ADP
fsr-3302	28	9	the	the	DET
fsr-3302	28	10	capitalization	capitalization	NOUN
fsr-3302	28	11	of	of	ADP
fsr-3302	28	12	operating	operating	NOUN
fsr-3302	28	13	leases	lease	NOUN
fsr-3302	28	14	:	:	PUNCT
fsr-3302	28	15	a	a	DET
fsr-3302	28	16	guide	guide	NOUN
fsr-3302	28	17	for	for	ADP
fsr-3302	28	18	individual	individual	ADJ
fsr-3302	28	19	investors	investor	NOUN
fsr-3302	28	20	”	"	PUNCT
fsr-3302	28	21	is	be	AUX
fsr-3302	28	22	coauthored	coauthore	VERB
fsr-3302	28	23	by	by	ADP
fsr-3302	28	24	jack	jack	PROPN
fsr-3302	28	25	trifts	trift	NOUN
fsr-3302	28	26	at	at	ADP
fsr-3302	28	27	bryant	bryant	PROPN
fsr-3302	28	28	university	university	PROPN
fsr-3302	28	29	and	and	CCONJ
fsr-3302	28	30	gary	gary	PROPN
fsr-3302	28	31	e.	e.	PROPN
fsr-3302	28	32	porter	porter	PROPN
fsr-3302	28	33	at	at	ADP
fsr-3302	28	34	northeastern	northeastern	ADJ
fsr-3302	28	35	university	university	NOUN
fsr-3302	28	36	.	.	PUNCT
fsr-3302	29	1	in	in	ADP
fsr-3302	29	2	this	this	DET
fsr-3302	29	3	paper	paper	NOUN
fsr-3302	29	4	,	,	PUNCT
fsr-3302	29	5	the	the	DET
fsr-3302	29	6	authors	author	NOUN
fsr-3302	29	7	provide	provide	VERB
fsr-3302	29	8	an	an	DET
fsr-3302	29	9	explanation	explanation	NOUN
fsr-3302	29	10	of	of	ADP
fsr-3302	29	11	the	the	DET
fsr-3302	29	12	new	new	ADJ
fsr-3302	29	13	fasb	fasb	PROPN
fsr-3302	29	14	standard	standard	NOUN
fsr-3302	29	15	requiring	require	VERB
fsr-3302	29	16	firms	firm	NOUN
fsr-3302	29	17	to	to	PART
fsr-3302	29	18	move	move	VERB
fsr-3302	29	19	their	their	PRON
fsr-3302	29	20	off	off	ADP
fsr-3302	29	21	-	-	PUNCT
fsr-3302	29	22	balance	balance	NOUN
fsr-3302	29	23	sheet	sheet	NOUN
fsr-3302	29	24	operating	operating	NOUN
fsr-3302	29	25	leases	lease	NOUN
fsr-3302	29	26	onto	onto	ADP
fsr-3302	29	27	the	the	DET
fsr-3302	29	28	balance	balance	NOUN
fsr-3302	29	29	sheet	sheet	NOUN
fsr-3302	29	30	beginning	begin	VERB
fsr-3302	29	31	in	in	ADP
fsr-3302	29	32	2019	2019	NUM
fsr-3302	29	33	and	and	CCONJ
fsr-3302	29	34	discuss	discuss	VERB
fsr-3302	29	35	how	how	SCONJ
fsr-3302	29	36	the	the	DET
fsr-3302	29	37	new	new	ADJ
fsr-3302	29	38	rule	rule	NOUN
fsr-3302	29	39	might	might	AUX
fsr-3302	29	40	affect	affect	VERB
fsr-3302	29	41	the	the	DET
fsr-3302	29	42	stock	stock	NOUN
fsr-3302	29	43	and	and	CCONJ
fsr-3302	29	44	bond	bond	NOUN
fsr-3302	29	45	values	value	NOUN
fsr-3302	29	46	.	.	PUNCT
fsr-3302	30	1	despite	despite	SCONJ
fsr-3302	30	2	large	large	ADJ
fsr-3302	30	3	increases	increase	NOUN
fsr-3302	30	4	in	in	ADP
fsr-3302	30	5	on	on	ADP
fsr-3302	30	6	-	-	PUNCT
fsr-3302	30	7	balance	balance	NOUN
fsr-3302	30	8	sheet	sheet	NOUN
fsr-3302	30	9	liabilities	liability	NOUN
fsr-3302	30	10	for	for	ADP
fsr-3302	30	11	some	some	DET
fsr-3302	30	12	industries	industry	NOUN
fsr-3302	30	13	,	,	PUNCT
fsr-3302	30	14	the	the	DET
fsr-3302	30	15	authors	author	NOUN
fsr-3302	30	16	caution	caution	VERB
fsr-3302	30	17	investors	investor	NOUN
fsr-3302	30	18	not	not	PART
fsr-3302	30	19	to	to	PART
fsr-3302	30	20	anticipate	anticipate	VERB
fsr-3302	30	21	changes	change	NOUN
fsr-3302	30	22	in	in	ADP
fsr-3302	30	23	their	their	PRON
fsr-3302	30	24	stock	stock	NOUN
fsr-3302	30	25	or	or	CCONJ
fsr-3302	30	26	bond	bond	NOUN
fsr-3302	30	27	valuations	valuation	NOUN
fsr-3302	30	28	resulting	result	VERB
fsr-3302	30	29	from	from	ADP
fsr-3302	30	30	this	this	DET
fsr-3302	30	31	change	change	NOUN
fsr-3302	30	32	.	.	PUNCT
fsr-3302	31	1	because	because	SCONJ
fsr-3302	31	2	asset	asset	NOUN
fsr-3302	31	3	values	value	NOUN
fsr-3302	31	4	change	change	VERB
fsr-3302	31	5	in	in	ADP
fsr-3302	31	6	response	response	NOUN
fsr-3302	31	7	to	to	ADP
fsr-3302	31	8	new	new	ADJ
fsr-3302	31	9	information	information	NOUN
fsr-3302	31	10	,	,	PUNCT
fsr-3302	31	11	and	and	CCONJ
fsr-3302	31	12	information	information	NOUN
fsr-3302	31	13	regarding	regard	VERB
fsr-3302	31	14	changes	change	NOUN
fsr-3302	31	15	in	in	ADP
fsr-3302	31	16	total	total	ADJ
fsr-3302	31	17	assets	asset	NOUN
fsr-3302	31	18	and	and	CCONJ
fsr-3302	31	19	debt	debt	NOUN
fsr-3302	31	20	ratios	ratio	NOUN
fsr-3302	31	21	is	be	AUX
fsr-3302	31	22	currently	currently	ADV
fsr-3302	31	23	available	available	ADJ
fsr-3302	31	24	in	in	ADP
fsr-3302	31	25	the	the	DET
fsr-3302	31	26	notes	note	NOUN
fsr-3302	31	27	to	to	ADP
fsr-3302	31	28	financial	financial	ADJ
fsr-3302	31	29	statements	statement	NOUN
fsr-3302	31	30	and	and	CCONJ
fsr-3302	31	31	from	from	ADP
fsr-3302	31	32	data	data	NOUN
fsr-3302	31	33	providers	provider	NOUN
fsr-3302	31	34	,	,	PUNCT
fsr-3302	31	35	such	such	ADJ
fsr-3302	31	36	as	as	ADP
fsr-3302	31	37	bloomberg	bloomberg	PROPN
fsr-3302	31	38	,	,	PUNCT
fsr-3302	31	39	this	this	DET
fsr-3302	31	40	information	information	NOUN
fsr-3302	31	41	is	be	AUX
fsr-3302	31	42	already	already	ADV
fsr-3302	31	43	incorporated	incorporate	VERB
fsr-3302	31	44	in	in	ADP
fsr-3302	31	45	forecast	forecast	NOUN
fsr-3302	31	46	asset	asset	NOUN
fsr-3302	31	47	values	value	NOUN
fsr-3302	31	48	developed	develop	VERB
fsr-3302	31	49	by	by	ADP
fsr-3302	31	50	professionals	professional	NOUN
fsr-3302	31	51	.	.	PUNCT
fsr-3302	32	1	thanks	thank	NOUN
fsr-3302	32	2	to	to	ADP
fsr-3302	32	3	those	those	PRON
fsr-3302	32	4	who	who	PRON
fsr-3302	32	5	make	make	VERB
fsr-3302	32	6	the	the	DET
fsr-3302	32	7	journal	journal	NOUN
fsr-3302	32	8	possible	possible	ADJ
fsr-3302	32	9	,	,	PUNCT
fsr-3302	32	10	especially	especially	ADV
fsr-3302	32	11	the	the	DET
fsr-3302	32	12	referees	referee	NOUN
fsr-3302	32	13	and	and	CCONJ
fsr-3302	32	14	contributing	contribute	VERB
fsr-3302	32	15	authors	author	NOUN
fsr-3302	32	16	.	.	PUNCT
fsr-3302	33	1	over	over	ADP
fsr-3302	33	2	the	the	DET
fsr-3302	33	3	past	past	ADJ
fsr-3302	33	4	year	year	NOUN
fsr-3302	33	5	,	,	PUNCT
fsr-3302	33	6	the	the	DET
fsr-3302	33	7	following	follow	VERB
fsr-3302	33	8	reviewers	reviewer	NOUN
fsr-3302	33	9	provided	provide	VERB
fsr-3302	33	10	excellent	excellent	ADJ
fsr-3302	33	11	reviews	review	NOUN
fsr-3302	33	12	of	of	ADP
fsr-3302	33	13	the	the	DET
fsr-3302	33	14	articles	article	NOUN
fsr-3302	33	15	you	you	PRON
fsr-3302	33	16	enjoyed	enjoy	VERB
fsr-3302	33	17	within	within	ADP
fsr-3302	33	18	the	the	DET
fsr-3302	33	19	pages	page	NOUN
fsr-3302	33	20	of	of	ADP
fsr-3302	33	21	financial	financial	ADJ
fsr-3302	33	22	services	service	NOUN
fsr-3302	33	23	review	review	NOUN
fsr-3302	33	24	.	.	PUNCT
fsr-3302	34	1	i	i	PRON
fsr-3302	34	2	would	would	AUX
fsr-3302	34	3	like	like	VERB
fsr-3302	34	4	to	to	PART
fsr-3302	34	5	send	send	VERB
fsr-3302	34	6	a	a	DET
fsr-3302	34	7	special	special	ADJ
fsr-3302	34	8	thank	thank	NOUN
fsr-3302	34	9	you	you	PRON
fsr-3302	34	10	to	to	ADP
fsr-3302	34	11	the	the	DET
fsr-3302	34	12	many	many	ADJ
fsr-3302	34	13	reviewers	reviewer	NOUN
fsr-3302	34	14	that	that	PRON
fsr-3302	34	15	have	have	AUX
fsr-3302	34	16	significantly	significantly	ADV
fsr-3302	34	17	contributed	contribute	VERB
fsr-3302	34	18	to	to	ADP
fsr-3302	34	19	the	the	DET
fsr-3302	34	20	quality	quality	NOUN
fsr-3302	34	21	of	of	ADP
fsr-3302	34	22	our	our	PRON
fsr-3302	34	23	journal	journal	NOUN
fsr-3302	34	24	by	by	ADP
fsr-3302	34	25	providing	provide	VERB
fsr-3302	34	26	timely	timely	ADJ
fsr-3302	34	27	and	and	CCONJ
fsr-3302	34	28	thorough	thorough	ADJ
fsr-3302	34	29	reviews	review	NOUN
fsr-3302	34	30	of	of	ADP
fsr-3302	34	31	the	the	DET
fsr-3302	34	32	submissions	submission	NOUN
fsr-3302	34	33	to	to	ADP
fsr-3302	34	34	our	our	PRON
fsr-3302	34	35	journal	journal	NOUN
fsr-3302	34	36	.	.	PUNCT
fsr-3302	35	1	please	please	INTJ
fsr-3302	35	2	consider	consider	VERB
fsr-3302	35	3	submission	submission	NOUN
fsr-3302	35	4	to	to	ADP
fsr-3302	35	5	the	the	DET
fsr-3302	35	6	financial	financial	ADJ
fsr-3302	35	7	services	service	NOUN
fsr-3302	35	8	review	review	NOUN
fsr-3302	35	9	and	and	CCONJ
fsr-3302	35	10	rely	rely	VERB
fsr-3302	35	11	on	on	ADP
fsr-3302	35	12	the	the	DET
fsr-3302	35	13	style	style	NOUN
fsr-3302	35	14	information	information	NOUN
fsr-3302	35	15	provided	provide	VERB
fsr-3302	35	16	to	to	PART
fsr-3302	35	17	ease	ease	VERB
fsr-3302	35	18	readability	readability	NOUN
fsr-3302	35	19	and	and	CCONJ
fsr-3302	35	20	streamline	streamline	VERB
fsr-3302	35	21	the	the	DET
fsr-3302	35	22	review	review	NOUN
fsr-3302	35	23	process	process	NOUN
fsr-3302	35	24	.	.	PUNCT
fsr-3302	36	1	the	the	DET
fsr-3302	36	2	journal	journal	NOUN
fsr-3302	36	3	welcomes	welcome	VERB
fsr-3302	36	4	articles	article	NOUN
fsr-3302	36	5	over	over	ADP
fsr-3302	36	6	the	the	DET
fsr-3302	36	7	range	range	NOUN
fsr-3302	36	8	of	of	ADP
fsr-3302	36	9	areas	area	NOUN
fsr-3302	36	10	that	that	PRON
fsr-3302	36	11	comprise	comprise	VERB
fsr-3302	36	12	personal	personal	ADJ
fsr-3302	36	13	financial	financial	ADJ
fsr-3302	36	14	planning	planning	NOUN
fsr-3302	36	15	.	.	PUNCT
fsr-3302	37	1	while	while	SCONJ
fsr-3302	37	2	fsr	fsr	PROPN
fsr-3302	37	3	articles	article	NOUN
fsr-3302	37	4	are	be	AUX
fsr-3302	37	5	certainly	certainly	ADV
fsr-3302	37	6	diverse	diverse	ADJ
fsr-3302	37	7	in	in	ADP
fsr-3302	37	8	terms	term	NOUN
fsr-3302	37	9	of	of	ADP
fsr-3302	37	10	topic	topic	NOUN
fsr-3302	37	11	,	,	PUNCT
fsr-3302	37	12	data	datum	NOUN
fsr-3302	37	13	,	,	PUNCT
fsr-3302	37	14	and	and	CCONJ
fsr-3302	37	15	method	method	NOUN
fsr-3302	37	16	,	,	PUNCT
fsr-3302	37	17	they	they	PRON
fsr-3302	37	18	are	be	AUX
fsr-3302	37	19	focused	focus	VERB
fsr-3302	37	20	in	in	ADP
fsr-3302	37	21	terms	term	NOUN
fsr-3302	37	22	of	of	ADP
fsr-3302	37	23	motivation	motivation	NOUN
fsr-3302	37	24	.	.	PUNCT
fsr-3302	38	1	fsr	fsr	PROPN
fsr-3302	38	2	exists	exist	VERB
fsr-3302	38	3	to	to	PART
fsr-3302	38	4	produce	produce	VERB
fsr-3302	38	5	research	research	NOUN
fsr-3302	38	6	that	that	PRON
fsr-3302	38	7	addresses	address	VERB
fsr-3302	38	8	issues	issue	NOUN
fsr-3302	38	9	that	that	PRON
fsr-3302	38	10	matter	matter	VERB
fsr-3302	38	11	to	to	ADP
fsr-3302	38	12	individuals	individual	NOUN
fsr-3302	38	13	.	.	PUNCT
fsr-3302	39	1	i	i	PRON
fsr-3302	39	2	remain	remain	VERB
fsr-3302	39	3	committed	committed	ADJ
fsr-3302	39	4	to	to	ADP
fsr-3302	39	5	the	the	DET
fsr-3302	39	6	goal	goal	NOUN
fsr-3302	39	7	of	of	ADP
fsr-3302	39	8	making	make	VERB
fsr-3302	39	9	financial	financial	ADJ
fsr-3302	39	10	services	service	NOUN
fsr-3302	39	11	review	review	VERB
fsr-3302	39	12	the	the	DET
fsr-3302	39	13	best	good	ADJ
fsr-3302	39	14	academic	academic	ADJ
fsr-3302	39	15	journal	journal	NOUN
fsr-3302	39	16	in	in	ADP
fsr-3302	39	17	individual	individual	ADJ
fsr-3302	39	18	financial	financial	ADJ
fsr-3302	39	19	management	management	NOUN
fsr-3302	39	20	and	and	CCONJ
fsr-3302	39	21	personal	personal	ADJ
fsr-3302	39	22	financial	financial	ADJ
fsr-3302	39	23	planning	planning	NOUN
fsr-3302	39	24	.	.	PUNCT
fsr-3302	40	1	best	good	ADJ
fsr-3302	40	2	regards	regard	VERB
fsr-3302	40	3	,	,	PUNCT
fsr-3302	40	4	stuart	stuart	PROPN
fsr-3302	40	5	michelson	michelson	PROPN
fsr-3302	40	6	editor	editor	PROPN
fsr-3302	40	7	financial	financial	PROPN
fsr-3302	40	8	services	services	PROPN
fsr-3302	40	9	review	review	VERB
fsr-3302	40	10	vi	vi	PROPN
fsr-3302	40	11	editorial	editorial	NOUN
fsr-3302	40	12	/	/	SYM
fsr-3302	40	13	financial	financial	ADJ
fsr-3302	40	14	services	service	NOUN
fsr-3302	40	15	review	review	VERB
fsr-3302	40	16	26	26	NUM
fsr-3302	40	17	(	(	PUNCT
fsr-3302	40	18	2017	2017	NUM
fsr-3302	40	19	)	)	PUNCT
fsr-3302	40	20	v	v	NOUN
fsr-3302	40	21	–	–	PUNCT
fsr-3302	40	22	vi	vi	NOUN