id	sid	tid	token	lemma	pos
fsr-3326	1	1	financial	financial	PROPN
fsr-3326	1	2	services	service	NOUN
fsr-3326	1	3	review	review	PROPN
fsr-3326	1	4	,	,	PUNCT
fsr-3326	1	5	32(3	32(3	NUM
fsr-3326	1	6	)	)	PUNCT
fsr-3326	1	7	32	32	NUM
fsr-3326	1	8	impact	impact	NOUN
fsr-3326	1	9	of	of	ADP
fsr-3326	1	10	the	the	DET
fsr-3326	1	11	financial	financial	ADJ
fsr-3326	1	12	advisor	advisor	NOUN
fsr-3326	1	13	on	on	ADP
fsr-3326	1	14	clients	client	NOUN
fsr-3326	1	15	’	'	PUNCT
fsr-3326	1	16	financial	financial	ADJ
fsr-3326	1	17	outcomes	outcome	NOUN
fsr-3326	1	18	:	:	PUNCT
fsr-3326	1	19	an	an	DET
fsr-3326	1	20	integrative	integrative	ADJ
fsr-3326	1	21	model	model	NOUN
fsr-3326	1	22	pierre	pierre	PROPN
fsr-3326	1	23	-	-	PUNCT
fsr-3326	1	24	etienne	etienne	PROPN
fsr-3326	1	25	pilote,1	pilote,1	PROPN
fsr-3326	1	26	emilio	emilio	PROPN
fsr-3326	1	27	boulianne,2	boulianne,2	PROPN
fsr-3326	1	28	and	and	CCONJ
fsr-3326	1	29	michel	michel	PROPN
fsr-3326	1	30	magnan3	magnan3	PROPN
fsr-3326	1	31	abstract	abstract	ADJ
fsr-3326	1	32	a	a	DET
fsr-3326	1	33	financial	financial	ADJ
fsr-3326	1	34	advisor	advisor	NOUN
fsr-3326	1	35	may	may	AUX
fsr-3326	1	36	either	either	CCONJ
fsr-3326	1	37	act	act	VERB
fsr-3326	1	38	as	as	ADP
fsr-3326	1	39	a	a	DET
fsr-3326	1	40	consultant	consultant	NOUN
fsr-3326	1	41	or	or	CCONJ
fsr-3326	1	42	may	may	AUX
fsr-3326	1	43	be	be	AUX
fsr-3326	1	44	delegated	delegate	VERB
fsr-3326	1	45	the	the	DET
fsr-3326	1	46	entire	entire	ADJ
fsr-3326	1	47	financial	financial	ADJ
fsr-3326	1	48	advising	advising	NOUN
fsr-3326	1	49	process	process	NOUN
fsr-3326	1	50	.	.	PUNCT
fsr-3326	2	1	in	in	ADP
fsr-3326	2	2	both	both	DET
fsr-3326	2	3	cases	case	NOUN
fsr-3326	2	4	,	,	PUNCT
fsr-3326	2	5	researchers	researcher	NOUN
fsr-3326	2	6	tend	tend	VERB
fsr-3326	2	7	to	to	PART
fsr-3326	2	8	conclude	conclude	VERB
fsr-3326	2	9	that	that	SCONJ
fsr-3326	2	10	advisors	advisor	NOUN
fsr-3326	2	11	have	have	VERB
fsr-3326	2	12	an	an	DET
fsr-3326	2	13	impact	impact	NOUN
fsr-3326	2	14	on	on	ADP
fsr-3326	2	15	their	their	PRON
fsr-3326	2	16	clients	client	NOUN
fsr-3326	2	17	’	’	PART
fsr-3326	2	18	financial	financial	ADJ
fsr-3326	2	19	outcomes	outcome	NOUN
fsr-3326	2	20	.	.	PUNCT
fsr-3326	3	1	however	however	ADV
fsr-3326	3	2	,	,	PUNCT
fsr-3326	3	3	there	there	PRON
fsr-3326	3	4	is	be	VERB
fsr-3326	3	5	no	no	DET
fsr-3326	3	6	agreement	agreement	NOUN
fsr-3326	3	7	on	on	ADP
fsr-3326	3	8	the	the	DET
fsr-3326	3	9	nature	nature	NOUN
fsr-3326	3	10	and	and	CCONJ
fsr-3326	3	11	extent	extent	NOUN
fsr-3326	3	12	of	of	ADP
fsr-3326	3	13	this	this	DET
fsr-3326	3	14	impact	impact	NOUN
fsr-3326	3	15	.	.	PUNCT
fsr-3326	4	1	we	we	PRON
fsr-3326	4	2	argue	argue	VERB
fsr-3326	4	3	that	that	SCONJ
fsr-3326	4	4	such	such	ADJ
fsr-3326	4	5	discordance	discordance	NOUN
fsr-3326	4	6	in	in	ADP
fsr-3326	4	7	the	the	DET
fsr-3326	4	8	results	result	NOUN
fsr-3326	4	9	being	be	AUX
fsr-3326	4	10	reported	report	VERB
fsr-3326	4	11	in	in	ADP
fsr-3326	4	12	prior	prior	ADJ
fsr-3326	4	13	research	research	NOUN
fsr-3326	4	14	arises	arise	VERB
fsr-3326	4	15	from	from	ADP
fsr-3326	4	16	the	the	DET
fsr-3326	4	17	different	different	ADJ
fsr-3326	4	18	theoretical	theoretical	ADJ
fsr-3326	4	19	lens	lens	NOUN
fsr-3326	4	20	used	use	VERB
fsr-3326	4	21	to	to	PART
fsr-3326	4	22	observe	observe	VERB
fsr-3326	4	23	the	the	DET
fsr-3326	4	24	phenomenon	phenomenon	NOUN
fsr-3326	4	25	:	:	PUNCT
fsr-3326	4	26	agency	agency	NOUN
fsr-3326	4	27	theory	theory	NOUN
fsr-3326	4	28	,	,	PUNCT
fsr-3326	4	29	trust	trust	NOUN
fsr-3326	4	30	theory	theory	NOUN
fsr-3326	4	31	,	,	PUNCT
fsr-3326	4	32	and	and	CCONJ
fsr-3326	4	33	the	the	DET
fsr-3326	4	34	concept	concept	NOUN
fsr-3326	4	35	of	of	ADP
fsr-3326	4	36	knowledge	knowledge	NOUN
fsr-3326	4	37	.	.	PUNCT
fsr-3326	5	1	in	in	ADP
fsr-3326	5	2	our	our	PRON
fsr-3326	5	3	view	view	NOUN
fsr-3326	5	4	,	,	PUNCT
fsr-3326	5	5	the	the	DET
fsr-3326	5	6	complexity	complexity	NOUN
fsr-3326	5	7	of	of	ADP
fsr-3326	5	8	advisors	advisor	NOUN
fsr-3326	5	9	’	'	PUNCT
fsr-3326	5	10	contribution	contribution	NOUN
fsr-3326	5	11	to	to	ADP
fsr-3326	5	12	their	their	PRON
fsr-3326	5	13	clients	client	NOUN
fsr-3326	5	14	’	'	PUNCT
fsr-3326	5	15	outcomes	outcome	NOUN
fsr-3326	5	16	requires	require	VERB
fsr-3326	5	17	a	a	DET
fsr-3326	5	18	novel	novel	ADJ
fsr-3326	5	19	approach	approach	NOUN
fsr-3326	5	20	that	that	PRON
fsr-3326	5	21	extends	extend	VERB
fsr-3326	5	22	beyond	beyond	ADP
fsr-3326	5	23	a	a	DET
fsr-3326	5	24	single	single	ADJ
fsr-3326	5	25	theory	theory	NOUN
fsr-3326	5	26	.	.	PUNCT
fsr-3326	6	1	relying	rely	VERB
fsr-3326	6	2	upon	upon	SCONJ
fsr-3326	6	3	a	a	DET
fsr-3326	6	4	literature	literature	NOUN
fsr-3326	6	5	review	review	NOUN
fsr-3326	6	6	,	,	PUNCT
fsr-3326	6	7	we	we	PRON
fsr-3326	6	8	propose	propose	VERB
fsr-3326	6	9	an	an	DET
fsr-3326	6	10	integrative	integrative	ADJ
fsr-3326	6	11	multi	multi	ADJ
fsr-3326	6	12	-	-	ADJ
fsr-3326	6	13	theory	theory	ADJ
fsr-3326	6	14	model	model	NOUN
fsr-3326	6	15	that	that	PRON
fsr-3326	6	16	reconciles	reconcile	VERB
fsr-3326	6	17	prior	prior	ADJ
fsr-3326	6	18	findings	finding	NOUN
fsr-3326	6	19	and	and	CCONJ
fsr-3326	6	20	illustrates	illustrate	VERB
fsr-3326	6	21	how	how	SCONJ
fsr-3326	6	22	financial	financial	ADJ
fsr-3326	6	23	advisers	adviser	NOUN
fsr-3326	6	24	impact	impact	VERB
fsr-3326	6	25	clients	client	NOUN
fsr-3326	6	26	’	'	PUNCT
fsr-3326	6	27	outcomes	outcome	NOUN
fsr-3326	6	28	at	at	ADP
fsr-3326	6	29	each	each	DET
fsr-3326	6	30	step	step	NOUN
fsr-3326	6	31	within	within	ADP
fsr-3326	6	32	the	the	DET
fsr-3326	6	33	financial	financial	ADJ
fsr-3326	6	34	advising	advise	VERB
fsr-3326	6	35	process	process	NOUN
fsr-3326	6	36	.	.	PUNCT
fsr-3326	7	1	practice	practice	NOUN
fsr-3326	7	2	-	-	PUNCT
fsr-3326	7	3	grounded	ground	VERB
fsr-3326	7	4	,	,	PUNCT
fsr-3326	7	5	the	the	DET
fsr-3326	7	6	model	model	NOUN
fsr-3326	7	7	also	also	ADV
fsr-3326	7	8	provides	provide	VERB
fsr-3326	7	9	a	a	DET
fsr-3326	7	10	causal	causal	ADJ
fsr-3326	7	11	mechanism	mechanism	NOUN
fsr-3326	7	12	clarifying	clarify	VERB
fsr-3326	7	13	the	the	DET
fsr-3326	7	14	opaque	opaque	ADJ
fsr-3326	7	15	and	and	CCONJ
fsr-3326	7	16	complex	complex	ADJ
fsr-3326	7	17	services	service	NOUN
fsr-3326	7	18	provided	provide	VERB
fsr-3326	7	19	by	by	ADP
fsr-3326	7	20	the	the	DET
fsr-3326	7	21	financial	financial	ADJ
fsr-3326	7	22	advisor	advisor	NOUN
fsr-3326	7	23	.	.	PUNCT
fsr-3326	8	1	creative	creative	ADJ
fsr-3326	8	2	commons	commons	PROPN
fsr-3326	8	3	license	license	NOUN
fsr-3326	8	4	this	this	DET
fsr-3326	8	5	work	work	NOUN
fsr-3326	8	6	is	be	AUX
fsr-3326	8	7	licensed	license	VERB
fsr-3326	8	8	under	under	ADP
fsr-3326	8	9	a	a	DET
fsr-3326	8	10	creative	creative	ADJ
fsr-3326	8	11	commons	common	NOUN
fsr-3326	8	12	attribution	attribution	NOUN
fsr-3326	8	13	-	-	PUNCT
fsr-3326	8	14	noncommercial	noncommercial	ADJ
fsr-3326	8	15	4.0	4.0	NUM
fsr-3326	8	16	license	license	NOUN
fsr-3326	8	17	recommended	recommend	VERB
fsr-3326	8	18	citation	citation	NOUN
fsr-3326	8	19	pilote	pilote	X
fsr-3326	8	20	,	,	PUNCT
fsr-3326	8	21	p	p	PROPN
fsr-3326	8	22	-	-	PUNCT
fsr-3326	8	23	e.	e.	PROPN
fsr-3326	8	24	,	,	PUNCT
fsr-3326	8	25	boulianne	boulianne	PROPN
fsr-3326	8	26	,	,	PUNCT
fsr-3326	8	27	e.	e.	PROPN
fsr-3326	8	28	,	,	PUNCT
fsr-3326	8	29	&	&	CCONJ
fsr-3326	8	30	magnan	magnan	PROPN
fsr-3326	8	31	,	,	PUNCT
fsr-3326	8	32	m.	m.	NOUN
fsr-3326	8	33	(	(	PUNCT
fsr-3326	8	34	2024	2024	NUM
fsr-3326	8	35	)	)	PUNCT
fsr-3326	8	36	.	.	PUNCT
fsr-3326	9	1	impact	impact	NOUN
fsr-3326	9	2	of	of	ADP
fsr-3326	9	3	the	the	DET
fsr-3326	9	4	financial	financial	ADJ
fsr-3326	9	5	advisor	advisor	NOUN
fsr-3326	9	6	on	on	ADP
fsr-3326	9	7	clients	client	NOUN
fsr-3326	9	8	’	'	PUNCT
fsr-3326	9	9	financial	financial	ADJ
fsr-3326	9	10	outcomes	outcome	NOUN
fsr-3326	9	11	:	:	PUNCT
fsr-3326	9	12	an	an	DET
fsr-3326	9	13	integrative	integrative	ADJ
fsr-3326	9	14	model	model	NOUN
fsr-3326	9	15	.	.	PUNCT
fsr-3326	10	1	financial	financial	ADJ
fsr-3326	10	2	services	service	NOUN
fsr-3326	10	3	review	review	PROPN
fsr-3326	10	4	,	,	PUNCT
fsr-3326	10	5	32(3	32(3	NUM
fsr-3326	10	6	)	)	PUNCT
fsr-3326	10	7	,	,	PUNCT
fsr-3326	10	8	32	32	NUM
fsr-3326	10	9	-	-	SYM
fsr-3326	10	10	67	67	NUM
fsr-3326	10	11	.	.	PUNCT
fsr-3326	11	1	introduction	introduction	NOUN
fsr-3326	11	2	there	there	PRON
fsr-3326	11	3	is	be	VERB
fsr-3326	11	4	extensive	extensive	ADJ
fsr-3326	11	5	evidence	evidence	NOUN
fsr-3326	11	6	indicating	indicate	VERB
fsr-3326	11	7	that	that	SCONJ
fsr-3326	11	8	financial	financial	ADJ
fsr-3326	11	9	advisors	advisor	NOUN
fsr-3326	11	10	impact	impact	VERB
fsr-3326	11	11	their	their	PRON
fsr-3326	11	12	clients	client	NOUN
fsr-3326	11	13	’	’	PART
fsr-3326	11	14	financial	financial	ADJ
fsr-3326	11	15	outcomes	outcome	NOUN
fsr-3326	11	16	(	(	PUNCT
fsr-3326	11	17	angelova	angelova	PROPN
fsr-3326	11	18	&	&	CCONJ
fsr-3326	11	19	regner	regner	PROPN
fsr-3326	11	20	,	,	PUNCT
fsr-3326	11	21	2013	2013	NUM
fsr-3326	11	22	;	;	PUNCT
fsr-3326	11	23	cici	cici	PROPN
fsr-3326	11	24	et	et	PROPN
fsr-3326	11	25	al	al	PROPN
fsr-3326	11	26	.	.	PROPN
fsr-3326	11	27	,	,	PUNCT
fsr-3326	11	28	1	1	NUM
fsr-3326	11	29	corresponding	correspond	VERB
fsr-3326	11	30	author	author	NOUN
fsr-3326	11	31	(	(	PUNCT
fsr-3326	11	32	pilote.pierre-etienne@uqam.ca	pilote.pierre-etienne@uqam.ca	NOUN
fsr-3326	11	33	)	)	PUNCT
fsr-3326	11	34	.	.	PUNCT
fsr-3326	12	1	école	école	PROPN
fsr-3326	12	2	des	des	PROPN
fsr-3326	12	3	sciences	sciences	PROPN
fsr-3326	12	4	de	de	X
fsr-3326	12	5	la	la	PROPN
fsr-3326	12	6	gestion	gestion	PROPN
fsr-3326	12	7	,	,	PUNCT
fsr-3326	12	8	université	université	PROPN
fsr-3326	12	9	du	du	PROPN
fsr-3326	12	10	québec	québec	PROPN
fsr-3326	12	11	à	à	PROPN
fsr-3326	12	12	montréal	montréal	PROPN
fsr-3326	12	13	,	,	PUNCT
fsr-3326	12	14	montréal	montréal	PROPN
fsr-3326	12	15	,	,	PUNCT
fsr-3326	12	16	canada	canada	PROPN
fsr-3326	12	17	and	and	CCONJ
fsr-3326	12	18	john	john	PROPN
fsr-3326	12	19	molson	molson	PROPN
fsr-3326	12	20	school	school	PROPN
fsr-3326	12	21	of	of	ADP
fsr-3326	12	22	business	business	NOUN
fsr-3326	12	23	,	,	PUNCT
fsr-3326	12	24	concordia	concordia	PROPN
fsr-3326	12	25	university	university	PROPN
fsr-3326	12	26	,	,	PUNCT
fsr-3326	12	27	montréal	montréal	PROPN
fsr-3326	12	28	,	,	PUNCT
fsr-3326	12	29	canada	canada	PROPN
fsr-3326	12	30	.	.	PUNCT
fsr-3326	13	1	for	for	ADP
fsr-3326	13	2	valuable	valuable	ADJ
fsr-3326	13	3	comments	comment	NOUN
fsr-3326	13	4	,	,	PUNCT
fsr-3326	13	5	we	we	PRON
fsr-3326	13	6	thank	thank	VERB
fsr-3326	13	7	participants	participant	NOUN
fsr-3326	13	8	and	and	CCONJ
fsr-3326	13	9	discussants	discussant	NOUN
fsr-3326	13	10	at	at	ADP
fsr-3326	13	11	the	the	DET
fsr-3326	13	12	2024	2024	NUM
fsr-3326	13	13	research	research	NOUN
fsr-3326	13	14	workshop	workshop	NOUN
fsr-3326	13	15	on	on	ADP
fsr-3326	13	16	management	management	NOUN
fsr-3326	13	17	control	control	NOUN
fsr-3326	13	18	(	(	PUNCT
fsr-3326	13	19	jason	jason	PROPN
fsr-3326	13	20	moschella	moschella	PROPN
fsr-3326	13	21	,	,	PUNCT
fsr-3326	13	22	hec	hec	PROPN
fsr-3326	13	23	montréal	montréal	PROPN
fsr-3326	13	24	)	)	PUNCT
fsr-3326	13	25	,	,	PUNCT
fsr-3326	13	26	2023	2023	NUM
fsr-3326	13	27	montreal	montreal	PROPN
fsr-3326	13	28	business	business	PROPN
fsr-3326	13	29	schools	schools	PROPN
fsr-3326	13	30	phd	phd	NOUN
fsr-3326	13	31	symposium	symposium	NOUN
fsr-3326	13	32	(	(	PUNCT
fsr-3326	13	33	olivier	olivier	PROPN
fsr-3326	13	34	greusard	greusard	PROPN
fsr-3326	13	35	,	,	PUNCT
fsr-3326	13	36	esguqam	esguqam	PROPN
fsr-3326	13	37	)	)	PUNCT
fsr-3326	13	38	and	and	CCONJ
fsr-3326	13	39	2023	2023	NUM
fsr-3326	13	40	esg	esg	PROPN
fsr-3326	13	41	-	-	PROPN
fsr-3326	13	42	uqam	uqam	PROPN
fsr-3326	13	43	workshop	workshop	NOUN
fsr-3326	13	44	.	.	PUNCT
fsr-3326	14	1	2	2	NUM
fsr-3326	14	2	john	john	PROPN
fsr-3326	14	3	molson	molson	PROPN
fsr-3326	14	4	school	school	PROPN
fsr-3326	14	5	of	of	ADP
fsr-3326	14	6	business	business	NOUN
fsr-3326	14	7	,	,	PUNCT
fsr-3326	14	8	concordia	concordia	PROPN
fsr-3326	14	9	university	university	PROPN
fsr-3326	14	10	,	,	PUNCT
fsr-3326	14	11	montréal	montréal	PROPN
fsr-3326	14	12	,	,	PUNCT
fsr-3326	14	13	canada	canada	PROPN
fsr-3326	14	14	.	.	PUNCT
fsr-3326	15	1	emilio	emilio	PROPN
fsr-3326	15	2	boulianne	boulianne	PROPN
fsr-3326	15	3	acknowledges	acknowledge	VERB
fsr-3326	15	4	the	the	DET
fsr-3326	15	5	financial	financial	ADJ
fsr-3326	15	6	support	support	NOUN
fsr-3326	15	7	from	from	ADP
fsr-3326	15	8	the	the	DET
fsr-3326	15	9	kpmg	kpmg	PROPN
fsr-3326	15	10	entrepreneurial	entrepreneurial	ADJ
fsr-3326	15	11	research	research	NOUN
fsr-3326	15	12	studies	study	NOUN
fsr-3326	15	13	and	and	CCONJ
fsr-3326	15	14	the	the	DET
fsr-3326	15	15	autorité	autorité	X
fsr-3326	15	16	des	des	PROPN
fsr-3326	15	17	marchés	marchés	PROPN
fsr-3326	15	18	financiers	financier	NOUN
fsr-3326	15	19	(	(	PUNCT
fsr-3326	15	20	amf	amf	PROPN
fsr-3326	15	21	)	)	PUNCT
fsr-3326	15	22	.	.	PUNCT
fsr-3326	16	1	3	3	NUM
fsr-3326	16	2	john	john	PROPN
fsr-3326	16	3	molson	molson	PROPN
fsr-3326	16	4	school	school	PROPN
fsr-3326	16	5	of	of	ADP
fsr-3326	16	6	business	business	NOUN
fsr-3326	16	7	,	,	PUNCT
fsr-3326	16	8	concordia	concordia	PROPN
fsr-3326	16	9	university	university	PROPN
fsr-3326	16	10	,	,	PUNCT
fsr-3326	16	11	montréal	montréal	PROPN
fsr-3326	16	12	,	,	PUNCT
fsr-3326	16	13	canada	canada	PROPN
fsr-3326	16	14	and	and	CCONJ
fsr-3326	16	15	cirano	cirano	PROPN
fsr-3326	16	16	,	,	PUNCT
fsr-3326	16	17	montréal	montréal	PROPN
fsr-3326	16	18	,	,	PUNCT
fsr-3326	16	19	canada	canada	PROPN
fsr-3326	16	20	.	.	PUNCT
fsr-3326	17	1	michel	michel	PROPN
fsr-3326	17	2	magnan	magnan	PROPN
fsr-3326	17	3	acknowledges	acknowledge	VERB
fsr-3326	17	4	the	the	DET
fsr-3326	17	5	financial	financial	ADJ
fsr-3326	17	6	support	support	NOUN
fsr-3326	17	7	from	from	ADP
fsr-3326	17	8	the	the	DET
fsr-3326	17	9	s.a	s.a	PROPN
fsr-3326	17	10	.	.	PROPN
fsr-3326	17	11	jarislowsky	jarislowsky	PROPN
fsr-3326	17	12	chair	chair	NOUN
fsr-3326	17	13	of	of	ADP
fsr-3326	17	14	corporate	corporate	ADJ
fsr-3326	17	15	governance	governance	NOUN
fsr-3326	17	16	as	as	ADV
fsr-3326	17	17	well	well	ADV
fsr-3326	17	18	as	as	ADP
fsr-3326	17	19	from	from	ADP
fsr-3326	17	20	the	the	DET
fsr-3326	17	21	institute	institute	NOUN
fsr-3326	17	22	for	for	ADP
fsr-3326	17	23	the	the	DET
fsr-3326	17	24	governance	governance	NOUN
fsr-3326	17	25	of	of	ADP
fsr-3326	17	26	private	private	ADJ
fsr-3326	17	27	and	and	CCONJ
fsr-3326	17	28	public	public	ADJ
fsr-3326	17	29	organizations	organization	NOUN
fsr-3326	17	30	.	.	PUNCT
fsr-3326	18	1	2017	2017	NUM
fsr-3326	18	2	;	;	PUNCT
fsr-3326	18	3	martin	martin	PROPN
fsr-3326	18	4	&	&	CCONJ
fsr-3326	18	5	finke	finke	PROPN
fsr-3326	18	6	,	,	PUNCT
fsr-3326	18	7	2014	2014	NUM
fsr-3326	18	8	)	)	PUNCT
fsr-3326	18	9	.	.	PUNCT
fsr-3326	19	1	however	however	ADV
fsr-3326	19	2	,	,	PUNCT
fsr-3326	19	3	the	the	DET
fsr-3326	19	4	scope	scope	NOUN
fsr-3326	19	5	and	and	CCONJ
fsr-3326	19	6	nature	nature	NOUN
fsr-3326	19	7	of	of	ADP
fsr-3326	19	8	such	such	ADJ
fsr-3326	19	9	impacts	impact	NOUN
fsr-3326	19	10	diverge	diverge	VERB
fsr-3326	19	11	.	.	PUNCT
fsr-3326	20	1	this	this	DET
fsr-3326	20	2	situation	situation	NOUN
fsr-3326	20	3	leads	lead	VERB
fsr-3326	20	4	us	we	PRON
fsr-3326	20	5	to	to	PART
fsr-3326	20	6	put	put	VERB
fsr-3326	20	7	forward	forward	ADV
fsr-3326	20	8	the	the	DET
fsr-3326	20	9	following	follow	VERB
fsr-3326	20	10	research	research	NOUN
fsr-3326	20	11	question	question	NOUN
fsr-3326	20	12	:	:	PUNCT
fsr-3326	20	13	“	"	PUNCT
fsr-3326	20	14	what	what	PRON
fsr-3326	20	15	is	be	AUX
fsr-3326	20	16	the	the	DET
fsr-3326	20	17	impact	impact	NOUN
fsr-3326	20	18	of	of	ADP
fsr-3326	20	19	the	the	DET
fsr-3326	20	20	financial	financial	ADJ
fsr-3326	20	21	advisor	advisor	NOUN
fsr-3326	20	22	on	on	ADP
fsr-3326	20	23	their	their	PRON
fsr-3326	20	24	clients	client	NOUN
fsr-3326	20	25	’	’	PART
fsr-3326	20	26	financial	financial	ADJ
fsr-3326	20	27	outcomes	outcome	NOUN
fsr-3326	20	28	?	?	PUNCT
fsr-3326	20	29	”	"	PUNCT
fsr-3326	20	30	to	to	ADP
fsr-3326	20	31	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-3326	20	32	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3326	20	33	financial	financial	ADJ
fsr-3326	20	34	services	service	NOUN
fsr-3326	20	35	review	review	NOUN
fsr-3326	20	36	,	,	PUNCT
fsr-3326	20	37	32(3	32(3	NUM
fsr-3326	20	38	)	)	PUNCT
fsr-3326	20	39	33	33	NUM
fsr-3326	20	40	achieve	achieve	VERB
fsr-3326	20	41	this	this	DET
fsr-3326	20	42	aim	aim	NOUN
fsr-3326	20	43	,	,	PUNCT
fsr-3326	20	44	this	this	DET
fsr-3326	20	45	paper	paper	NOUN
fsr-3326	20	46	reviews	review	VERB
fsr-3326	20	47	the	the	DET
fsr-3326	20	48	literature	literature	NOUN
fsr-3326	20	49	and	and	CCONJ
fsr-3326	20	50	analyzes	analyze	VERB
fsr-3326	20	51	such	such	ADJ
fsr-3326	20	52	research	research	NOUN
fsr-3326	20	53	to	to	PART
fsr-3326	20	54	propose	propose	VERB
fsr-3326	20	55	an	an	DET
fsr-3326	20	56	integrated	integrated	ADJ
fsr-3326	20	57	view	view	NOUN
fsr-3326	20	58	on	on	ADP
fsr-3326	20	59	the	the	DET
fsr-3326	20	60	relation	relation	NOUN
fsr-3326	20	61	between	between	ADP
fsr-3326	20	62	financial	financial	ADJ
fsr-3326	20	63	advisors	advisor	NOUN
fsr-3326	20	64	and	and	CCONJ
fsr-3326	20	65	clients	client	NOUN
fsr-3326	20	66	’	’	PART
fsr-3326	20	67	financial	financial	ADJ
fsr-3326	20	68	outcomes	outcome	NOUN
fsr-3326	20	69	.	.	PUNCT
fsr-3326	21	1	financial	financial	ADJ
fsr-3326	21	2	advisors	advisor	NOUN
fsr-3326	21	3	are	be	AUX
fsr-3326	21	4	the	the	DET
fsr-3326	21	5	professionals	professional	NOUN
fsr-3326	21	6	to	to	PART
fsr-3326	21	7	whom	whom	PRON
fsr-3326	21	8	clients	client	NOUN
fsr-3326	21	9	turn	turn	VERB
fsr-3326	21	10	when	when	SCONJ
fsr-3326	21	11	they	they	PRON
fsr-3326	21	12	do	do	AUX
fsr-3326	21	13	not	not	PART
fsr-3326	21	14	want	want	VERB
fsr-3326	21	15	to	to	PART
fsr-3326	21	16	deal	deal	VERB
fsr-3326	21	17	with	with	ADP
fsr-3326	21	18	their	their	PRON
fsr-3326	21	19	personal	personal	ADJ
fsr-3326	21	20	finances	finance	NOUN
fsr-3326	21	21	alone	alone	ADV
fsr-3326	21	22	.	.	PUNCT
fsr-3326	22	1	when	when	SCONJ
fsr-3326	22	2	an	an	DET
fsr-3326	22	3	individual	individual	NOUN
fsr-3326	22	4	considers	consider	VERB
fsr-3326	22	5	their	their	PRON
fsr-3326	22	6	personal	personal	ADJ
fsr-3326	22	7	finances	finance	NOUN
fsr-3326	22	8	,	,	PUNCT
fsr-3326	22	9	three	three	NUM
fsr-3326	22	10	options	option	NOUN
fsr-3326	22	11	are	be	AUX
fsr-3326	22	12	available	available	ADJ
fsr-3326	22	13	:	:	PUNCT
fsr-3326	22	14	(	(	PUNCT
fsr-3326	22	15	1	1	X
fsr-3326	22	16	)	)	PUNCT
fsr-3326	22	17	acting	act	VERB
fsr-3326	22	18	alone	alone	ADV
fsr-3326	22	19	,	,	PUNCT
fsr-3326	22	20	unassisted	unassiste	VERB
fsr-3326	22	21	,	,	PUNCT
fsr-3326	22	22	(	(	PUNCT
fsr-3326	22	23	2	2	X
fsr-3326	22	24	)	)	PUNCT
fsr-3326	22	25	consulting	consult	VERB
fsr-3326	22	26	a	a	DET
fsr-3326	22	27	financial	financial	ADJ
fsr-3326	22	28	advisor	advisor	NOUN
fsr-3326	22	29	while	while	SCONJ
fsr-3326	22	30	keeping	keep	VERB
fsr-3326	22	31	decision	decision	NOUN
fsr-3326	22	32	-	-	PUNCT
fsr-3326	22	33	making	make	VERB
fsr-3326	22	34	autonomy	autonomy	NOUN
fsr-3326	22	35	,	,	PUNCT
fsr-3326	22	36	or	or	CCONJ
fsr-3326	22	37	(	(	PUNCT
fsr-3326	22	38	3	3	X
fsr-3326	22	39	)	)	PUNCT
fsr-3326	22	40	delegating	delegate	VERB
fsr-3326	22	41	all	all	DET
fsr-3326	22	42	steps	step	NOUN
fsr-3326	22	43	to	to	ADP
fsr-3326	22	44	a	a	DET
fsr-3326	22	45	financial	financial	ADJ
fsr-3326	22	46	advisor	advisor	NOUN
fsr-3326	22	47	(	(	PUNCT
fsr-3326	22	48	calcagno	calcagno	NOUN
fsr-3326	22	49	et	et	PROPN
fsr-3326	22	50	al	al	PROPN
fsr-3326	22	51	.	.	PROPN
fsr-3326	22	52	,	,	PUNCT
fsr-3326	22	53	2017	2017	NUM
fsr-3326	22	54	;	;	PUNCT
fsr-3326	22	55	tang	tang	PROPN
fsr-3326	22	56	&	&	CCONJ
fsr-3326	22	57	hu	hu	PROPN
fsr-3326	22	58	,	,	PUNCT
fsr-3326	22	59	2019	2019	NUM
fsr-3326	22	60	)	)	PUNCT
fsr-3326	22	61	.	.	PUNCT
fsr-3326	23	1	many	many	ADJ
fsr-3326	23	2	factors	factor	NOUN
fsr-3326	23	3	come	come	VERB
fsr-3326	23	4	into	into	ADP
fsr-3326	23	5	play	play	NOUN
fsr-3326	23	6	in	in	ADP
fsr-3326	23	7	deciding	decide	VERB
fsr-3326	23	8	whether	whether	SCONJ
fsr-3326	23	9	to	to	PART
fsr-3326	23	10	act	act	VERB
fsr-3326	23	11	alone	alone	ADV
fsr-3326	23	12	or	or	CCONJ
fsr-3326	23	13	to	to	PART
fsr-3326	23	14	seek	seek	VERB
fsr-3326	23	15	a	a	DET
fsr-3326	23	16	financial	financial	ADJ
fsr-3326	23	17	advisor	advisor	NOUN
fsr-3326	23	18	(	(	PUNCT
fsr-3326	23	19	balasubramnian	balasubramnian	PROPN
fsr-3326	23	20	&	&	CCONJ
fsr-3326	23	21	brisker	brisk	ADJ
fsr-3326	23	22	,	,	PUNCT
fsr-3326	23	23	2016	2016	NUM
fsr-3326	23	24	;	;	PUNCT
fsr-3326	23	25	finke	finke	PROPN
fsr-3326	23	26	et	et	PROPN
fsr-3326	23	27	al	al	PROPN
fsr-3326	23	28	.	.	PROPN
fsr-3326	23	29	,	,	PUNCT
fsr-3326	23	30	2011	2011	NUM
fsr-3326	23	31	;	;	PUNCT
fsr-3326	23	32	west	w	ADJ
fsr-3326	23	33	,	,	PUNCT
fsr-3326	23	34	2012	2012	NUM
fsr-3326	23	35	)	)	PUNCT
fsr-3326	23	36	.	.	PUNCT
fsr-3326	24	1	the	the	DET
fsr-3326	24	2	evolving	evolve	VERB
fsr-3326	24	3	complexity	complexity	NOUN
fsr-3326	24	4	of	of	ADP
fsr-3326	24	5	personal	personal	ADJ
fsr-3326	24	6	finance	finance	NOUN
fsr-3326	24	7	resulting	result	VERB
fsr-3326	24	8	from	from	ADP
fsr-3326	24	9	the	the	DET
fsr-3326	24	10	advent	advent	NOUN
fsr-3326	24	11	of	of	ADP
fsr-3326	24	12	new	new	ADJ
fsr-3326	24	13	regulations	regulation	NOUN
fsr-3326	24	14	,	,	PUNCT
fsr-3326	24	15	novel	novel	ADJ
fsr-3326	24	16	financial	financial	ADJ
fsr-3326	24	17	products	product	NOUN
fsr-3326	24	18	,	,	PUNCT
fsr-3326	24	19	and	and	CCONJ
fsr-3326	24	20	wealth	wealth	NOUN
fsr-3326	24	21	accumulation	accumulation	NOUN
fsr-3326	24	22	increasingly	increasingly	ADV
fsr-3326	24	23	leads	lead	VERB
fsr-3326	24	24	individuals	individual	NOUN
fsr-3326	24	25	to	to	PART
fsr-3326	24	26	solicit	solicit	VERB
fsr-3326	24	27	the	the	DET
fsr-3326	24	28	services	service	NOUN
fsr-3326	24	29	of	of	ADP
fsr-3326	24	30	financial	financial	ADJ
fsr-3326	24	31	advisors.4	advisors.4	PROPN
fsr-3326	24	32	according	accord	VERB
fsr-3326	24	33	to	to	ADP
fsr-3326	24	34	the	the	DET
fsr-3326	24	35	financial	financial	ADJ
fsr-3326	24	36	industry	industry	NOUN
fsr-3326	24	37	regulatory	regulatory	ADJ
fsr-3326	24	38	authority	authority	NOUN
fsr-3326	24	39	(	(	PUNCT
fsr-3326	24	40	finra	finra	PROPN
fsr-3326	24	41	)	)	PUNCT
fsr-3326	24	42	,	,	PUNCT
fsr-3326	24	43	the	the	DET
fsr-3326	24	44	term	term	NOUN
fsr-3326	24	45	“	"	PUNCT
fsr-3326	24	46	financial	financial	ADJ
fsr-3326	24	47	planners	planner	NOUN
fsr-3326	24	48	”	"	PUNCT
fsr-3326	24	49	refers	refer	VERB
fsr-3326	24	50	to	to	ADP
fsr-3326	24	51	investment	investment	NOUN
fsr-3326	24	52	advisors	advisor	NOUN
fsr-3326	24	53	,	,	PUNCT
fsr-3326	24	54	brokers	broker	NOUN
fsr-3326	24	55	,	,	PUNCT
fsr-3326	24	56	insurance	insurance	NOUN
fsr-3326	24	57	agents	agent	NOUN
fsr-3326	24	58	,	,	PUNCT
fsr-3326	24	59	and	and	CCONJ
fsr-3326	24	60	accountants.5	accountants.5	ADV
fsr-3326	24	61	the	the	DET
fsr-3326	24	62	financial	financial	ADJ
fsr-3326	24	63	consumer	consumer	NOUN
fsr-3326	24	64	agency	agency	NOUN
fsr-3326	24	65	of	of	ADP
fsr-3326	24	66	canada	canada	PROPN
fsr-3326	24	67	also	also	ADV
fsr-3326	24	68	states	state	VERB
fsr-3326	24	69	that	that	SCONJ
fsr-3326	24	70	“	"	PUNCT
fsr-3326	24	71	a	a	DET
fsr-3326	24	72	financial	financial	ADJ
fsr-3326	24	73	advisor	advisor	NOUN
fsr-3326	24	74	is	be	AUX
fsr-3326	24	75	a	a	DET
fsr-3326	24	76	general	general	ADJ
fsr-3326	24	77	term	term	NOUN
fsr-3326	24	78	that	that	PRON
fsr-3326	24	79	can	can	AUX
fsr-3326	24	80	apply	apply	VERB
fsr-3326	24	81	to	to	ADP
fsr-3326	24	82	anybody	anybody	PRON
fsr-3326	24	83	who	who	PRON
fsr-3326	24	84	helps	help	VERB
fsr-3326	24	85	you	you	PRON
fsr-3326	24	86	manage	manage	VERB
fsr-3326	24	87	your	your	PRON
fsr-3326	24	88	money	money	NOUN
fsr-3326	24	89	.	.	PUNCT
fsr-3326	25	1	this	this	PRON
fsr-3326	25	2	could	could	AUX
fsr-3326	25	3	include	include	VERB
fsr-3326	25	4	an	an	DET
fsr-3326	25	5	employee	employee	NOUN
fsr-3326	25	6	of	of	ADP
fsr-3326	25	7	your	your	PRON
fsr-3326	25	8	financial	financial	ADJ
fsr-3326	25	9	institution	institution	NOUN
fsr-3326	25	10	,	,	PUNCT
fsr-3326	25	11	a	a	DET
fsr-3326	25	12	stockbroker	stockbroker	NOUN
fsr-3326	25	13	or	or	CCONJ
fsr-3326	25	14	an	an	DET
fsr-3326	25	15	insurance	insurance	NOUN
fsr-3326	25	16	agent	agent	NOUN
fsr-3326	25	17	.	.	PUNCT
fsr-3326	25	18	”6,7	”6,7	X
fsr-3326	26	1	in	in	ADP
fsr-3326	26	2	this	this	DET
fsr-3326	26	3	study	study	NOUN
fsr-3326	26	4	,	,	PUNCT
fsr-3326	26	5	a	a	DET
fsr-3326	26	6	financial	financial	ADJ
fsr-3326	26	7	advisor	advisor	NOUN
fsr-3326	26	8	is	be	AUX
fsr-3326	26	9	a	a	DET
fsr-3326	26	10	professional	professional	ADJ
fsr-3326	26	11	working	working	NOUN
fsr-3326	26	12	in	in	ADP
fsr-3326	26	13	one	one	NUM
fsr-3326	26	14	of	of	ADP
fsr-3326	26	15	the	the	DET
fsr-3326	26	16	fields	field	NOUN
fsr-3326	26	17	related	relate	VERB
fsr-3326	26	18	to	to	ADP
fsr-3326	26	19	personal	personal	ADJ
fsr-3326	26	20	finance	finance	NOUN
fsr-3326	26	21	and	and	CCONJ
fsr-3326	26	22	offering	offer	VERB
fsr-3326	26	23	services	service	NOUN
fsr-3326	26	24	to	to	ADP
fsr-3326	26	25	individuals	individual	NOUN
fsr-3326	26	26	.	.	PUNCT
fsr-3326	27	1	in	in	ADP
fsr-3326	27	2	using	use	VERB
fsr-3326	27	3	a	a	DET
fsr-3326	27	4	broad	broad	ADJ
fsr-3326	27	5	definition	definition	NOUN
fsr-3326	27	6	of	of	ADP
fsr-3326	27	7	the	the	DET
fsr-3326	27	8	term	term	NOUN
fsr-3326	27	9	“	"	PUNCT
fsr-3326	27	10	financial	financial	ADJ
fsr-3326	27	11	advisor	advisor	NOUN
fsr-3326	27	12	,	,	PUNCT
fsr-3326	27	13	”	"	PUNCT
fsr-3326	27	14	we	we	PRON
fsr-3326	27	15	take	take	VERB
fsr-3326	27	16	the	the	DET
fsr-3326	27	17	same	same	ADJ
fsr-3326	27	18	approach	approach	NOUN
fsr-3326	27	19	as	as	ADP
fsr-3326	27	20	prior	prior	ADJ
fsr-3326	27	21	research	research	NOUN
fsr-3326	27	22	that	that	PRON
fsr-3326	27	23	counts	count	VERB
fsr-3326	27	24	financial	financial	ADJ
fsr-3326	27	25	planners	planner	NOUN
fsr-3326	27	26	,	,	PUNCT
fsr-3326	27	27	financial	financial	ADJ
fsr-3326	27	28	advisor	advisor	NOUN
fsr-3326	27	29	,	,	PUNCT
fsr-3326	27	30	accountants	accountant	NOUN
fsr-3326	27	31	,	,	PUNCT
fsr-3326	27	32	lawyers	lawyer	NOUN
fsr-3326	27	33	,	,	PUNCT
fsr-3326	27	34	notaries	notary	NOUN
fsr-3326	27	35	,	,	PUNCT
fsr-3326	27	36	brokers	broker	NOUN
fsr-3326	27	37	,	,	PUNCT
fsr-3326	27	38	bankers	banker	NOUN
fsr-3326	27	39	,	,	PUNCT
fsr-3326	27	40	insurance	insurance	NOUN
fsr-3326	27	41	agents	agent	NOUN
fsr-3326	27	42	,	,	PUNCT
fsr-3326	27	43	and	and	CCONJ
fsr-3326	27	44	related	relate	VERB
fsr-3326	27	45	financial	financial	ADJ
fsr-3326	27	46	credentials	credential	NOUN
fsr-3326	27	47	as	as	ADP
fsr-3326	27	48	advisors	advisor	NOUN
fsr-3326	27	49	(	(	PUNCT
fsr-3326	27	50	see	see	VERB
fsr-3326	27	51	4	4	NUM
fsr-3326	27	52	in	in	ADP
fsr-3326	27	53	the	the	DET
fsr-3326	27	54	united	united	PROPN
fsr-3326	27	55	states	states	PROPN
fsr-3326	27	56	,	,	PUNCT
fsr-3326	27	57	the	the	DET
fsr-3326	27	58	cfp	cfp	PROPN
fsr-3326	27	59	board	board	NOUN
fsr-3326	27	60	(	(	PUNCT
fsr-3326	27	61	2023	2023	NUM
fsr-3326	27	62	)	)	PUNCT
fsr-3326	27	63	reports	report	VERB
fsr-3326	27	64	that	that	SCONJ
fsr-3326	27	65	53	53	NUM
fsr-3326	27	66	%	%	NOUN
fsr-3326	27	67	of	of	ADP
fsr-3326	27	68	americans	americans	PROPN
fsr-3326	27	69	have	have	VERB
fsr-3326	27	70	a	a	DET
fsr-3326	27	71	financial	financial	ADJ
fsr-3326	27	72	planner	planner	NOUN
fsr-3326	27	73	.	.	PUNCT
fsr-3326	28	1	in	in	ADP
fsr-3326	28	2	canada	canada	PROPN
fsr-3326	28	3	,	,	PUNCT
fsr-3326	28	4	49	49	NUM
fsr-3326	28	5	%	%	NOUN
fsr-3326	28	6	of	of	ADP
fsr-3326	28	7	canadians	canadian	NOUN
fsr-3326	28	8	obtain	obtain	VERB
fsr-3326	28	9	advice	advice	NOUN
fsr-3326	28	10	from	from	ADP
fsr-3326	28	11	a	a	DET
fsr-3326	28	12	professional	professional	ADJ
fsr-3326	28	13	financial	financial	ADJ
fsr-3326	28	14	advisor	advisor	NOUN
fsr-3326	28	15	/	/	SYM
fsr-3326	28	16	planner	planner	NOUN
fsr-3326	28	17	(	(	PUNCT
fsr-3326	28	18	financial	financial	ADJ
fsr-3326	28	19	consumer	consumer	NOUN
fsr-3326	28	20	agency	agency	NOUN
fsr-3326	28	21	of	of	ADP
fsr-3326	28	22	canada	canada	PROPN
fsr-3326	28	23	,	,	PUNCT
fsr-3326	28	24	2019	2019	NUM
fsr-3326	28	25	)	)	PUNCT
fsr-3326	28	26	.	.	PUNCT
fsr-3326	29	1	5	5	NUM
fsr-3326	29	2	retrieved	retrieve	VERB
fsr-3326	29	3	from	from	ADP
fsr-3326	29	4	:	:	PUNCT
fsr-3326	29	5	https://www.finra.org/investors/investing/workingwith-investment-professional/financial-planners	https://www.finra.org/investors/investing/workingwith-investment-professional/financial-planner	NOUN
fsr-3326	29	6	(	(	PUNCT
fsr-3326	29	7	accessed	access	VERB
fsr-3326	29	8	on	on	ADP
fsr-3326	29	9	january	january	PROPN
fsr-3326	29	10	14	14	NUM
fsr-3326	29	11	,	,	PUNCT
fsr-3326	29	12	2024	2024	NUM
fsr-3326	29	13	)	)	PUNCT
fsr-3326	29	14	.	.	PUNCT
fsr-3326	30	1	gennaioli	gennaioli	INTJ
fsr-3326	30	2	et	et	PROPN
fsr-3326	30	3	al	al	PROPN
fsr-3326	30	4	.	.	PROPN
fsr-3326	30	5	,	,	PUNCT
fsr-3326	30	6	2015	2015	NUM
fsr-3326	30	7	;	;	PUNCT
fsr-3326	30	8	hudson	hudson	PROPN
fsr-3326	30	9	&	&	CCONJ
fsr-3326	30	10	palmer	palmer	PROPN
fsr-3326	30	11	,	,	PUNCT
fsr-3326	30	12	2014	2014	NUM
fsr-3326	30	13	;	;	PUNCT
fsr-3326	30	14	kim	kim	PROPN
fsr-3326	30	15	et	et	PROPN
fsr-3326	30	16	al	al	PROPN
fsr-3326	30	17	.	.	PROPN
fsr-3326	30	18	,	,	PUNCT
fsr-3326	30	19	2018	2018	NUM
fsr-3326	30	20	;	;	PUNCT
fsr-3326	30	21	lei	lei	X
fsr-3326	30	22	,	,	PUNCT
fsr-3326	30	23	2019	2019	NUM
fsr-3326	30	24	)	)	PUNCT
fsr-3326	30	25	.	.	PUNCT
fsr-3326	31	1	financial	financial	ADJ
fsr-3326	31	2	advice	advice	NOUN
fsr-3326	31	3	covers	cover	VERB
fsr-3326	31	4	a	a	DET
fsr-3326	31	5	broad	broad	ADJ
fsr-3326	31	6	range	range	NOUN
fsr-3326	31	7	of	of	ADP
fsr-3326	31	8	activities	activity	NOUN
fsr-3326	31	9	.	.	PUNCT
fsr-3326	32	1	for	for	ADP
fsr-3326	32	2	instance	instance	NOUN
fsr-3326	32	3	,	,	PUNCT
fsr-3326	32	4	personal	personal	ADJ
fsr-3326	32	5	financial	financial	ADJ
fsr-3326	32	6	planning	planning	NOUN
fsr-3326	32	7	(	(	PUNCT
fsr-3326	32	8	pfp	pfp	PROPN
fsr-3326	32	9	)	)	PUNCT
fsr-3326	32	10	associations	association	NOUN
fsr-3326	32	11	and	and	CCONJ
fsr-3326	32	12	accreditation	accreditation	NOUN
fsr-3326	32	13	bodies	body	NOUN
fsr-3326	32	14	generally	generally	ADV
fsr-3326	32	15	identify	identify	VERB
fsr-3326	32	16	six	six	NUM
fsr-3326	32	17	or	or	CCONJ
fsr-3326	32	18	seven	seven	NUM
fsr-3326	32	19	core	core	NOUN
fsr-3326	32	20	areas	area	NOUN
fsr-3326	32	21	of	of	ADP
fsr-3326	32	22	financial	financial	ADJ
fsr-3326	32	23	advising	advising	NOUN
fsr-3326	32	24	,	,	PUNCT
fsr-3326	32	25	namely	namely	ADV
fsr-3326	32	26	:	:	PUNCT
fsr-3326	32	27	(	(	PUNCT
fsr-3326	32	28	1	1	X
fsr-3326	32	29	)	)	PUNCT
fsr-3326	32	30	financial	financial	ADJ
fsr-3326	32	31	management	management	NOUN
fsr-3326	32	32	,	,	PUNCT
fsr-3326	32	33	(	(	PUNCT
fsr-3326	32	34	2	2	X
fsr-3326	32	35	)	)	PUNCT
fsr-3326	32	36	insurance	insurance	NOUN
fsr-3326	32	37	and	and	CCONJ
fsr-3326	32	38	risk	risk	NOUN
fsr-3326	32	39	management	management	NOUN
fsr-3326	32	40	,	,	PUNCT
fsr-3326	32	41	(	(	PUNCT
fsr-3326	32	42	3	3	X
fsr-3326	32	43	)	)	PUNCT
fsr-3326	32	44	investment	investment	NOUN
fsr-3326	32	45	planning	planning	NOUN
fsr-3326	32	46	,	,	PUNCT
fsr-3326	32	47	(	(	PUNCT
fsr-3326	32	48	4	4	X
fsr-3326	32	49	)	)	PUNCT
fsr-3326	32	50	retirement	retirement	NOUN
fsr-3326	32	51	planning	planning	NOUN
fsr-3326	32	52	,	,	PUNCT
fsr-3326	32	53	(	(	PUNCT
fsr-3326	32	54	5	5	X
fsr-3326	32	55	)	)	PUNCT
fsr-3326	32	56	tax	tax	NOUN
fsr-3326	32	57	planning	planning	NOUN
fsr-3326	32	58	,	,	PUNCT
fsr-3326	32	59	and	and	CCONJ
fsr-3326	32	60	(	(	PUNCT
fsr-3326	32	61	6/7	6/7	NUM
fsr-3326	32	62	)	)	PUNCT
fsr-3326	32	63	estate	estate	NOUN
fsr-3326	32	64	planning	planning	NOUN
fsr-3326	32	65	and	and	CCONJ
fsr-3326	32	66	legal	legal	ADJ
fsr-3326	32	67	aspects	aspect	NOUN
fsr-3326	32	68	(	(	PUNCT
fsr-3326	32	69	finke	finke	PROPN
fsr-3326	32	70	et	et	PROPN
fsr-3326	32	71	al	al	PROPN
fsr-3326	32	72	.	.	PROPN
fsr-3326	32	73	,	,	PUNCT
fsr-3326	32	74	2009	2009	NUM
fsr-3326	32	75	;	;	PUNCT
fsr-3326	32	76	fp	fp	PROPN
fsr-3326	32	77	canada	canada	PROPN
fsr-3326	32	78	,	,	PUNCT
fsr-3326	32	79	2019	2019	NUM
fsr-3326	32	80	)	)	PUNCT
fsr-3326	32	81	.	.	PUNCT
fsr-3326	33	1	an	an	DET
fsr-3326	33	2	individual	individual	ADJ
fsr-3326	33	3	consulting	consulting	NOUN
fsr-3326	33	4	with	with	ADP
fsr-3326	33	5	an	an	DET
fsr-3326	33	6	advisor	advisor	NOUN
fsr-3326	33	7	may	may	AUX
fsr-3326	33	8	seek	seek	VERB
fsr-3326	33	9	advice	advice	NOUN
fsr-3326	33	10	on	on	ADP
fsr-3326	33	11	a	a	DET
fsr-3326	33	12	specific	specific	ADJ
fsr-3326	33	13	topic	topic	NOUN
fsr-3326	33	14	or	or	CCONJ
fsr-3326	33	15	they	they	PRON
fsr-3326	33	16	may	may	AUX
fsr-3326	33	17	wish	wish	VERB
fsr-3326	33	18	to	to	PART
fsr-3326	33	19	implement	implement	VERB
fsr-3326	33	20	a	a	DET
fsr-3326	33	21	comprehensive	comprehensive	ADJ
fsr-3326	33	22	plan	plan	NOUN
fsr-3326	33	23	(	(	PUNCT
fsr-3326	33	24	winchester	winchester	PROPN
fsr-3326	33	25	&	&	CCONJ
fsr-3326	33	26	huston	huston	PROPN
fsr-3326	33	27	,	,	PUNCT
fsr-3326	33	28	2015	2015	NUM
fsr-3326	33	29	)	)	PUNCT
fsr-3326	33	30	,	,	PUNCT
fsr-3326	33	31	but	but	CCONJ
fsr-3326	33	32	regardless	regardless	ADV
fsr-3326	33	33	,	,	PUNCT
fsr-3326	33	34	they	they	PRON
fsr-3326	33	35	expect	expect	VERB
fsr-3326	33	36	added	add	VERB
fsr-3326	33	37	value	value	NOUN
fsr-3326	33	38	(	(	PUNCT
fsr-3326	33	39	sweeney	sweeney	PROPN
fsr-3326	33	40	et	et	PROPN
fsr-3326	33	41	al	al	PROPN
fsr-3326	33	42	.	.	PROPN
fsr-3326	33	43	,	,	PUNCT
fsr-3326	33	44	2018	2018	NUM
fsr-3326	33	45	)	)	PUNCT
fsr-3326	33	46	.	.	PUNCT
fsr-3326	34	1	financial	financial	ADJ
fsr-3326	34	2	advisors	advisor	NOUN
fsr-3326	34	3	aim	aim	VERB
fsr-3326	34	4	to	to	PART
fsr-3326	34	5	fill	fill	VERB
fsr-3326	34	6	a	a	DET
fsr-3326	34	7	knowledge	knowledge	NOUN
fsr-3326	34	8	gap	gap	NOUN
fsr-3326	34	9	or	or	CCONJ
fsr-3326	34	10	provide	provide	VERB
fsr-3326	34	11	a	a	DET
fsr-3326	34	12	sense	sense	NOUN
fsr-3326	34	13	of	of	ADP
fsr-3326	34	14	security	security	NOUN
fsr-3326	34	15	to	to	ADP
fsr-3326	34	16	the	the	DET
fsr-3326	34	17	client	client	NOUN
fsr-3326	34	18	(	(	PUNCT
fsr-3326	34	19	bae	bae	PROPN
fsr-3326	34	20	&	&	CCONJ
fsr-3326	34	21	sandager	sandager	PROPN
fsr-3326	34	22	,	,	PUNCT
fsr-3326	34	23	1997	1997	NUM
fsr-3326	34	24	)	)	PUNCT
fsr-3326	34	25	.	.	PUNCT
fsr-3326	35	1	the	the	DET
fsr-3326	35	2	outcomes	outcome	NOUN
fsr-3326	35	3	associated	associate	VERB
fsr-3326	35	4	with	with	ADP
fsr-3326	35	5	the	the	DET
fsr-3326	35	6	advising	advise	VERB
fsr-3326	35	7	process	process	NOUN
fsr-3326	35	8	depend	depend	VERB
fsr-3326	35	9	not	not	PART
fsr-3326	35	10	only	only	ADV
fsr-3326	35	11	on	on	ADP
fsr-3326	35	12	the	the	DET
fsr-3326	35	13	steps	step	NOUN
fsr-3326	35	14	in	in	ADP
fsr-3326	35	15	which	which	PRON
fsr-3326	35	16	the	the	DET
fsr-3326	35	17	advisor	advisor	NOUN
fsr-3326	35	18	is	be	AUX
fsr-3326	35	19	involved	involve	VERB
fsr-3326	35	20	,	,	PUNCT
fsr-3326	35	21	but	but	CCONJ
fsr-3326	35	22	also	also	ADV
fsr-3326	35	23	on	on	ADP
fsr-3326	35	24	how	how	SCONJ
fsr-3326	35	25	the	the	DET
fsr-3326	35	26	advisor	advisor	NOUN
fsr-3326	35	27	acts	act	VERB
fsr-3326	35	28	.	.	PUNCT
fsr-3326	36	1	to	to	PART
fsr-3326	36	2	answer	answer	VERB
fsr-3326	36	3	our	our	PRON
fsr-3326	36	4	research	research	NOUN
fsr-3326	36	5	question	question	NOUN
fsr-3326	36	6	,	,	PUNCT
fsr-3326	36	7	we	we	PRON
fsr-3326	36	8	use	use	VERB
fsr-3326	36	9	a	a	DET
fsr-3326	36	10	theoretical	theoretical	ADJ
fsr-3326	36	11	review	review	NOUN
fsr-3326	36	12	(	(	PUNCT
fsr-3326	36	13	paré	paré	PROPN
fsr-3326	36	14	et	et	PROPN
fsr-3326	36	15	al	al	PROPN
fsr-3326	36	16	.	.	PROPN
fsr-3326	36	17	,	,	PUNCT
fsr-3326	36	18	2015	2015	NUM
fsr-3326	36	19	)	)	PUNCT
fsr-3326	36	20	with	with	ADP
fsr-3326	36	21	the	the	DET
fsr-3326	36	22	goal	goal	NOUN
fsr-3326	36	23	of	of	ADP
fsr-3326	36	24	developing	develop	VERB
fsr-3326	36	25	a	a	DET
fsr-3326	36	26	model	model	NOUN
fsr-3326	36	27	of	of	ADP
fsr-3326	36	28	the	the	DET
fsr-3326	36	29	financial	financial	ADJ
fsr-3326	36	30	advice	advice	NOUN
fsr-3326	36	31	process	process	NOUN
fsr-3326	36	32	that	that	PRON
fsr-3326	36	33	integrates	integrate	VERB
fsr-3326	36	34	three	three	NUM
fsr-3326	36	35	theoretical	theoretical	ADJ
fsr-3326	36	36	perspectives	perspective	NOUN
fsr-3326	36	37	underlying	underlie	VERB
fsr-3326	36	38	prior	prior	ADJ
fsr-3326	36	39	research	research	NOUN
fsr-3326	36	40	on	on	ADP
fsr-3326	36	41	financial	financial	ADJ
fsr-3326	36	42	advising	advising	NOUN
fsr-3326	36	43	.	.	PUNCT
fsr-3326	37	1	first	first	ADV
fsr-3326	37	2	,	,	PUNCT
fsr-3326	37	3	agency	agency	NOUN
fsr-3326	37	4	theory	theory	NOUN
fsr-3326	37	5	places	place	VERB
fsr-3326	37	6	the	the	DET
fsr-3326	37	7	financial	financial	ADJ
fsr-3326	37	8	advisor	advisor	NOUN
fsr-3326	37	9	’s	’s	PART
fsr-3326	37	10	self	self	NOUN
fsr-3326	37	11	-	-	PUNCT
fsr-3326	37	12	interest	interest	NOUN
fsr-3326	37	13	at	at	ADP
fsr-3326	37	14	the	the	DET
fsr-3326	37	15	forefront	forefront	NOUN
fsr-3326	37	16	,	,	PUNCT
fsr-3326	37	17	ahead	ahead	ADV
fsr-3326	37	18	of	of	ADP
fsr-3326	37	19	the	the	DET
fsr-3326	37	20	client	client	NOUN
fsr-3326	37	21	’s	’s	PART
fsr-3326	37	22	interests	interest	NOUN
fsr-3326	37	23	,	,	PUNCT
fsr-3326	37	24	resulting	result	VERB
fsr-3326	37	25	in	in	ADP
fsr-3326	37	26	a	a	DET
fsr-3326	37	27	negative	negative	ADJ
fsr-3326	37	28	impact	impact	NOUN
fsr-3326	37	29	for	for	ADP
fsr-3326	37	30	the	the	DET
fsr-3326	37	31	client	client	NOUN
fsr-3326	37	32	(	(	PUNCT
fsr-3326	37	33	angelova	angelova	PROPN
fsr-3326	37	34	&	&	CCONJ
fsr-3326	37	35	regner	regner	PROPN
fsr-3326	37	36	,	,	PUNCT
fsr-3326	37	37	2013	2013	NUM
fsr-3326	37	38	;	;	PUNCT
fsr-3326	37	39	beyer	beyer	PROPN
fsr-3326	37	40	et	et	PROPN
fsr-3326	37	41	al	al	PROPN
fsr-3326	37	42	.	.	PROPN
fsr-3326	37	43	,	,	PUNCT
fsr-3326	37	44	2013	2013	NUM
fsr-3326	37	45	;	;	PUNCT
fsr-3326	37	46	mullainathan	mullainathan	PROPN
fsr-3326	37	47	et	et	PROPN
fsr-3326	37	48	al	al	PROPN
fsr-3326	37	49	.	.	PROPN
fsr-3326	37	50	,	,	PUNCT
fsr-3326	37	51	2012	2012	NUM
fsr-3326	37	52	)	)	PUNCT
fsr-3326	37	53	.	.	PUNCT
fsr-3326	38	1	second	second	ADV
fsr-3326	38	2	,	,	PUNCT
fsr-3326	38	3	trust	trust	NOUN
fsr-3326	38	4	theory	theory	NOUN
fsr-3326	38	5	implies	imply	VERB
fsr-3326	38	6	that	that	SCONJ
fsr-3326	38	7	the	the	DET
fsr-3326	38	8	advisor	advisor	NOUN
fsr-3326	38	9	inspires	inspire	VERB
fsr-3326	38	10	trust	trust	NOUN
fsr-3326	38	11	and	and	CCONJ
fsr-3326	38	12	makes	make	VERB
fsr-3326	38	13	recommendations	recommendation	NOUN
fsr-3326	38	14	in	in	ADP
fsr-3326	38	15	the	the	DET
fsr-3326	38	16	client	client	NOUN
fsr-3326	38	17	’s	’s	PART
fsr-3326	38	18	best	good	ADJ
fsr-3326	38	19	interest	interest	NOUN
fsr-3326	38	20	(	(	PUNCT
fsr-3326	38	21	barnett	barnett	PROPN
fsr-3326	38	22	white	white	PROPN
fsr-3326	38	23	,	,	PUNCT
fsr-3326	38	24	2005	2005	NUM
fsr-3326	38	25	;	;	PUNCT
fsr-3326	38	26	lachance	lachance	PROPN
fsr-3326	38	27	&	&	CCONJ
fsr-3326	38	28	tang	tang	PROPN
fsr-3326	38	29	,	,	PUNCT
fsr-3326	38	30	2012	2012	NUM
fsr-3326	38	31	)	)	PUNCT
fsr-3326	38	32	.	.	PUNCT
fsr-3326	39	1	how	how	SCONJ
fsr-3326	39	2	trust	trust	NOUN
fsr-3326	39	3	in	in	ADP
fsr-3326	39	4	the	the	DET
fsr-3326	39	5	advisor	advisor	NOUN
fsr-3326	39	6	may	may	AUX
fsr-3326	39	7	impact	impact	VERB
fsr-3326	39	8	the	the	DET
fsr-3326	39	9	outcomes	outcome	NOUN
fsr-3326	39	10	of	of	ADP
fsr-3326	39	11	the	the	DET
fsr-3326	39	12	advising	advise	VERB
fsr-3326	39	13	process	process	NOUN
fsr-3326	39	14	remains	remain	VERB
fsr-3326	39	15	an	an	DET
fsr-3326	39	16	open	open	ADJ
fsr-3326	39	17	question	question	NOUN
fsr-3326	39	18	.	.	PUNCT
fsr-3326	40	1	third	third	ADJ
fsr-3326	40	2	,	,	PUNCT
fsr-3326	40	3	the	the	DET
fsr-3326	40	4	concept	concept	NOUN
fsr-3326	40	5	of	of	ADP
fsr-3326	40	6	knowledge	knowledge	NOUN
fsr-3326	40	7	emphasizes	emphasize	VERB
fsr-3326	40	8	the	the	DET
fsr-3326	40	9	role	role	NOUN
fsr-3326	40	10	played	play	VERB
fsr-3326	40	11	by	by	ADP
fsr-3326	40	12	the	the	DET
fsr-3326	40	13	advisor	advisor	NOUN
fsr-3326	40	14	’s	’s	PART
fsr-3326	40	15	proven	prove	VERB
fsr-3326	40	16	knowledge	knowledge	NOUN
fsr-3326	40	17	6	6	NUM
fsr-3326	40	18	retrieved	retrieve	VERB
fsr-3326	40	19	from	from	ADP
fsr-3326	40	20	:	:	PUNCT
fsr-3326	40	21	https://www.canada.ca/en/financialconsumer-agency/services/savingsinvestments/choose-financial-advisor.html	https://www.canada.ca/en/financialconsumer-agency/services/savingsinvestments/choose-financial-advisor.html	PROPN
fsr-3326	40	22	(	(	PUNCT
fsr-3326	40	23	accessed	access	VERB
fsr-3326	40	24	on	on	ADP
fsr-3326	40	25	january	january	PROPN
fsr-3326	40	26	14	14	NUM
fsr-3326	40	27	,	,	PUNCT
fsr-3326	40	28	2024	2024	NUM
fsr-3326	40	29	)	)	PUNCT
fsr-3326	40	30	.	.	PUNCT
fsr-3326	41	1	7	7	NUM
fsr-3326	41	2	in	in	ADP
fsr-3326	41	3	the	the	DET
fsr-3326	41	4	united	united	PROPN
fsr-3326	41	5	states	states	PROPN
fsr-3326	41	6	,	,	PUNCT
fsr-3326	41	7	the	the	DET
fsr-3326	41	8	public	public	NOUN
fsr-3326	41	9	often	often	ADV
fsr-3326	41	10	misunderstand	misunderstand	VERB
fsr-3326	41	11	the	the	DET
fsr-3326	41	12	term	term	NOUN
fsr-3326	41	13	“	"	PUNCT
fsr-3326	41	14	financial	financial	ADJ
fsr-3326	41	15	advisor	advisor	NOUN
fsr-3326	41	16	”	"	PUNCT
fsr-3326	41	17	(	(	PUNCT
fsr-3326	41	18	lach	lach	PROPN
fsr-3326	41	19	et	et	PROPN
fsr-3326	41	20	al	al	PROPN
fsr-3326	41	21	.	.	PROPN
fsr-3326	41	22	,	,	PUNCT
fsr-3326	41	23	2019	2019	NUM
fsr-3326	41	24	;	;	PUNCT
fsr-3326	41	25	tharp	tharp	PROPN
fsr-3326	41	26	,	,	PUNCT
fsr-3326	41	27	2019	2019	NUM
fsr-3326	41	28	)	)	PUNCT
fsr-3326	41	29	.	.	PUNCT
fsr-3326	42	1	https://www.finra.org/investors/investing/working-with-investment-professional/financial-planners	https://www.finra.org/investors/investing/working-with-investment-professional/financial-planner	NOUN
fsr-3326	42	2	https://www.finra.org/investors/investing/working-with-investment-professional/financial-planners	https://www.finra.org/investors/investing/working-with-investment-professional/financial-planner	NOUN
fsr-3326	42	3	https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.html	https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.html	VERB
fsr-3326	42	4	https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.html	https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.html	VERB
fsr-3326	42	5	https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.html	https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.html	PROPN
fsr-3326	42	6	pilote	pilote	PROPN
fsr-3326	42	7	et	et	PROPN
fsr-3326	42	8	al	al	PROPN
fsr-3326	42	9	.	.	PROPN
fsr-3326	42	10	34	34	NUM
fsr-3326	42	11	and	and	CCONJ
fsr-3326	42	12	expertise	expertise	NOUN
fsr-3326	42	13	compared	compare	VERB
fsr-3326	42	14	to	to	ADP
fsr-3326	42	15	the	the	DET
fsr-3326	42	16	client	client	NOUN
fsr-3326	42	17	’s	’s	PART
fsr-3326	42	18	limited	limited	ADJ
fsr-3326	42	19	knowledge	knowledge	NOUN
fsr-3326	42	20	,	,	PUNCT
fsr-3326	42	21	suggesting	suggest	VERB
fsr-3326	42	22	a	a	DET
fsr-3326	42	23	positive	positive	ADJ
fsr-3326	42	24	impact	impact	NOUN
fsr-3326	42	25	for	for	ADP
fsr-3326	42	26	the	the	DET
fsr-3326	42	27	client	client	NOUN
fsr-3326	42	28	(	(	PUNCT
fsr-3326	42	29	hershey	hershey	PROPN
fsr-3326	42	30	et	et	PROPN
fsr-3326	42	31	al	al	PROPN
fsr-3326	42	32	.	.	PROPN
fsr-3326	42	33	,	,	PUNCT
fsr-3326	42	34	1990	1990	NUM
fsr-3326	42	35	;	;	PUNCT
fsr-3326	42	36	hershey	hershey	PROPN
fsr-3326	42	37	&	&	CCONJ
fsr-3326	42	38	walsh	walsh	PROPN
fsr-3326	42	39	,	,	PUNCT
fsr-3326	42	40	2000	2000	NUM
fsr-3326	42	41	)	)	PUNCT
fsr-3326	42	42	.	.	PUNCT
fsr-3326	43	1	the	the	DET
fsr-3326	43	2	theoretical	theoretical	ADJ
fsr-3326	43	3	perspectives	perspective	NOUN
fsr-3326	43	4	we	we	PRON
fsr-3326	43	5	adopt	adopt	VERB
fsr-3326	43	6	to	to	PART
fsr-3326	43	7	analyze	analyze	VERB
fsr-3326	43	8	the	the	DET
fsr-3326	43	9	literature	literature	NOUN
fsr-3326	43	10	on	on	ADP
fsr-3326	43	11	the	the	DET
fsr-3326	43	12	financial	financial	ADJ
fsr-3326	43	13	advising	advise	VERB
fsr-3326	43	14	process	process	NOUN
fsr-3326	43	15	embed	embe	VERB
fsr-3326	43	16	the	the	DET
fsr-3326	43	17	concept	concept	NOUN
fsr-3326	43	18	that	that	SCONJ
fsr-3326	43	19	services	service	NOUN
fsr-3326	43	20	rendered	render	VERB
fsr-3326	43	21	by	by	ADP
fsr-3326	43	22	the	the	DET
fsr-3326	43	23	advisor	advisor	NOUN
fsr-3326	43	24	qualify	qualify	VERB
fsr-3326	43	25	as	as	ADP
fsr-3326	43	26	a	a	DET
fsr-3326	43	27	“	"	PUNCT
fsr-3326	43	28	credence	credence	NOUN
fsr-3326	43	29	good	good	NOUN
fsr-3326	43	30	”	"	PUNCT
fsr-3326	43	31	as	as	SCONJ
fsr-3326	43	32	the	the	DET
fsr-3326	43	33	client	client	NOUN
fsr-3326	43	34	may	may	AUX
fsr-3326	43	35	have	have	VERB
fsr-3326	43	36	difficulty	difficulty	NOUN
fsr-3326	43	37	evaluating	evaluate	VERB
fsr-3326	43	38	their	their	PRON
fsr-3326	43	39	ultimate	ultimate	ADJ
fsr-3326	43	40	effectiveness	effectiveness	NOUN
fsr-3326	43	41	because	because	SCONJ
fsr-3326	43	42	of	of	ADP
fsr-3326	43	43	a	a	DET
fsr-3326	43	44	lack	lack	NOUN
fsr-3326	43	45	of	of	ADP
fsr-3326	43	46	knowledge	knowledge	NOUN
fsr-3326	43	47	(	(	PUNCT
fsr-3326	43	48	bruhn	bruhn	NOUN
fsr-3326	43	49	&	&	CCONJ
fsr-3326	43	50	miller	miller	PROPN
fsr-3326	43	51	,	,	PUNCT
fsr-3326	43	52	2014	2014	NUM
fsr-3326	43	53	;	;	PUNCT
fsr-3326	43	54	gennaioli	gennaioli	X
fsr-3326	43	55	et	et	PROPN
fsr-3326	43	56	al	al	PROPN
fsr-3326	43	57	.	.	PROPN
fsr-3326	43	58	,	,	PUNCT
fsr-3326	43	59	2015	2015	NUM
fsr-3326	43	60	;	;	PUNCT
fsr-3326	43	61	winchester	winchester	PROPN
fsr-3326	43	62	&	&	CCONJ
fsr-3326	43	63	huston	huston	PROPN
fsr-3326	43	64	,	,	PUNCT
fsr-3326	43	65	2017	2017	NUM
fsr-3326	43	66	)	)	PUNCT
fsr-3326	43	67	.	.	PUNCT
fsr-3326	44	1	a	a	DET
fsr-3326	44	2	credence	credence	NOUN
fsr-3326	44	3	good	good	ADJ
fsr-3326	44	4	consists	consist	VERB
fsr-3326	44	5	of	of	ADP
fsr-3326	44	6	a	a	DET
fsr-3326	44	7	complex	complex	ADJ
fsr-3326	44	8	and	and	CCONJ
fsr-3326	44	9	opaque	opaque	ADJ
fsr-3326	44	10	service	service	NOUN
fsr-3326	44	11	that	that	PRON
fsr-3326	44	12	requires	require	VERB
fsr-3326	44	13	specialized	specialized	ADJ
fsr-3326	44	14	knowledge	knowledge	NOUN
fsr-3326	44	15	(	(	PUNCT
fsr-3326	44	16	darby	darby	PROPN
fsr-3326	44	17	&	&	CCONJ
fsr-3326	44	18	karni	karni	PROPN
fsr-3326	44	19	1973	1973	NUM
fsr-3326	44	20	;	;	PUNCT
fsr-3326	44	21	dulleck	dulleck	NOUN
fsr-3326	44	22	&	&	CCONJ
fsr-3326	44	23	kerschbamer	kerschbamer	PROPN
fsr-3326	44	24	,	,	PUNCT
fsr-3326	44	25	2006	2006	NUM
fsr-3326	44	26	;	;	PUNCT
fsr-3326	44	27	dulleck	dulleck	NOUN
fsr-3326	44	28	et	et	PROPN
fsr-3326	44	29	al	al	PROPN
fsr-3326	44	30	.	.	PROPN
fsr-3326	44	31	,	,	PUNCT
fsr-3326	44	32	2011	2011	NUM
fsr-3326	44	33	;	;	PUNCT
fsr-3326	44	34	fong	fong	PROPN
fsr-3326	44	35	,	,	PUNCT
fsr-3326	44	36	2005	2005	NUM
fsr-3326	44	37	)	)	PUNCT
fsr-3326	44	38	.	.	PUNCT
fsr-3326	45	1	as	as	SCONJ
fsr-3326	45	2	the	the	DET
fsr-3326	45	3	client	client	NOUN
fsr-3326	45	4	may	may	AUX
fsr-3326	45	5	only	only	ADV
fsr-3326	45	6	see	see	VERB
fsr-3326	45	7	the	the	DET
fsr-3326	45	8	outcomes	outcome	NOUN
fsr-3326	45	9	of	of	ADP
fsr-3326	45	10	financial	financial	ADJ
fsr-3326	45	11	advice	advice	NOUN
fsr-3326	45	12	without	without	ADP
fsr-3326	45	13	knowing	know	VERB
fsr-3326	45	14	or	or	CCONJ
fsr-3326	45	15	understanding	understand	VERB
fsr-3326	45	16	how	how	SCONJ
fsr-3326	45	17	the	the	DET
fsr-3326	45	18	advisor	advisor	NOUN
fsr-3326	45	19	gets	get	VERB
fsr-3326	45	20	there	there	ADV
fsr-3326	45	21	,	,	PUNCT
fsr-3326	45	22	agency	agency	NOUN
fsr-3326	45	23	problems	problem	NOUN
fsr-3326	45	24	may	may	AUX
fsr-3326	45	25	arise	arise	VERB
fsr-3326	45	26	,	,	PUNCT
fsr-3326	45	27	explaining	explain	VERB
fsr-3326	45	28	why	why	SCONJ
fsr-3326	45	29	agency	agency	NOUN
fsr-3326	45	30	theory	theory	NOUN
fsr-3326	45	31	is	be	AUX
fsr-3326	45	32	widely	widely	ADV
fsr-3326	45	33	used	use	VERB
fsr-3326	45	34	in	in	ADP
fsr-3326	45	35	financial	financial	ADJ
fsr-3326	45	36	services	service	NOUN
fsr-3326	45	37	research	research	NOUN
fsr-3326	45	38	.	.	PUNCT
fsr-3326	46	1	the	the	DET
fsr-3326	46	2	information	information	NOUN
fsr-3326	46	3	gap	gap	NOUN
fsr-3326	46	4	between	between	ADP
fsr-3326	46	5	client	client	NOUN
fsr-3326	46	6	and	and	CCONJ
fsr-3326	46	7	advisor	advisor	NOUN
fsr-3326	46	8	also	also	ADV
fsr-3326	46	9	explains	explain	VERB
fsr-3326	46	10	the	the	DET
fsr-3326	46	11	use	use	NOUN
fsr-3326	46	12	of	of	ADP
fsr-3326	46	13	trust	trust	NOUN
fsr-3326	46	14	theory	theory	NOUN
fsr-3326	46	15	as	as	SCONJ
fsr-3326	46	16	clients	client	NOUN
fsr-3326	46	17	are	be	AUX
fsr-3326	46	18	taking	take	VERB
fsr-3326	46	19	a	a	DET
fsr-3326	46	20	risk	risk	NOUN
fsr-3326	46	21	by	by	ADP
fsr-3326	46	22	entrusting	entrust	VERB
fsr-3326	46	23	advisors	advisor	NOUN
fsr-3326	46	24	with	with	ADP
fsr-3326	46	25	their	their	PRON
fsr-3326	46	26	financial	financial	ADJ
fsr-3326	46	27	affairs	affair	NOUN
fsr-3326	46	28	since	since	SCONJ
fsr-3326	46	29	they	they	PRON
fsr-3326	46	30	are	be	AUX
fsr-3326	46	31	unable	unable	ADJ
fsr-3326	46	32	to	to	PART
fsr-3326	46	33	know	know	VERB
fsr-3326	46	34	the	the	DET
fsr-3326	46	35	details	detail	NOUN
fsr-3326	46	36	of	of	ADP
fsr-3326	46	37	their	their	PRON
fsr-3326	46	38	advisor	advisor	NOUN
fsr-3326	46	39	’s	’s	PART
fsr-3326	46	40	actions	action	NOUN
fsr-3326	46	41	and	and	CCONJ
fsr-3326	46	42	decisions	decision	NOUN
fsr-3326	46	43	.	.	PUNCT
fsr-3326	47	1	finally	finally	ADV
fsr-3326	47	2	,	,	PUNCT
fsr-3326	47	3	the	the	DET
fsr-3326	47	4	specialized	specialized	ADJ
fsr-3326	47	5	nature	nature	NOUN
fsr-3326	47	6	of	of	ADP
fsr-3326	47	7	the	the	DET
fsr-3326	47	8	services	service	NOUN
fsr-3326	47	9	rendered	render	VERB
fsr-3326	47	10	by	by	ADP
fsr-3326	47	11	the	the	DET
fsr-3326	47	12	advisor	advisor	NOUN
fsr-3326	47	13	explains	explain	VERB
fsr-3326	47	14	the	the	DET
fsr-3326	47	15	use	use	NOUN
fsr-3326	47	16	of	of	ADP
fsr-3326	47	17	the	the	DET
fsr-3326	47	18	concept	concept	NOUN
fsr-3326	47	19	of	of	ADP
fsr-3326	47	20	knowledge	knowledge	NOUN
fsr-3326	47	21	in	in	ADP
fsr-3326	47	22	our	our	PRON
fsr-3326	47	23	analysis	analysis	NOUN
fsr-3326	47	24	.	.	PUNCT
fsr-3326	48	1	from	from	ADP
fsr-3326	48	2	a	a	DET
fsr-3326	48	3	practical	practical	ADJ
fsr-3326	48	4	standpoint	standpoint	NOUN
fsr-3326	48	5	,	,	PUNCT
fsr-3326	48	6	our	our	PRON
fsr-3326	48	7	review	review	NOUN
fsr-3326	48	8	relies	rely	VERB
fsr-3326	48	9	on	on	ADP
fsr-3326	48	10	the	the	DET
fsr-3326	48	11	six	six	NUM
fsr-3326	48	12	steps8	steps8	NOUN
fsr-3326	48	13	of	of	ADP
fsr-3326	48	14	the	the	DET
fsr-3326	48	15	pfp	pfp	PROPN
fsr-3326	48	16	process	process	NOUN
fsr-3326	48	17	developed	develop	VERB
fsr-3326	48	18	by	by	ADP
fsr-3326	48	19	the	the	DET
fsr-3326	48	20	certified	certify	VERB
fsr-3326	48	21	financial	financial	ADJ
fsr-3326	48	22	planner	planner	NOUN
fsr-3326	48	23	(	(	PUNCT
fsr-3326	48	24	cfp	cfp	PROPN
fsr-3326	48	25	)	)	PUNCT
fsr-3326	48	26	board	board	NOUN
fsr-3326	48	27	of	of	ADP
fsr-3326	48	28	standards	standard	NOUN
fsr-3326	48	29	,	,	PUNCT
fsr-3326	48	30	inc	inc	PROPN
fsr-3326	48	31	.	.	PROPN
fsr-3326	48	32	(	(	PUNCT
fsr-3326	48	33	2017	2017	NUM
fsr-3326	48	34	)	)	PUNCT
fsr-3326	48	35	to	to	PART
fsr-3326	48	36	proxy	proxy	VERB
fsr-3326	48	37	for	for	ADP
fsr-3326	48	38	the	the	DET
fsr-3326	48	39	process	process	NOUN
fsr-3326	48	40	of	of	ADP
fsr-3326	48	41	providing	provide	VERB
fsr-3326	48	42	financial	financial	ADJ
fsr-3326	48	43	advice	advice	NOUN
fsr-3326	48	44	:	:	PUNCT
fsr-3326	48	45	(	(	PUNCT
fsr-3326	48	46	1	1	X
fsr-3326	48	47	)	)	PUNCT
fsr-3326	48	48	agreeing	agree	VERB
fsr-3326	48	49	on	on	ADP
fsr-3326	48	50	how	how	SCONJ
fsr-3326	48	51	to	to	PART
fsr-3326	48	52	work	work	VERB
fsr-3326	48	53	together	together	ADV
fsr-3326	48	54	,	,	PUNCT
fsr-3326	48	55	(	(	PUNCT
fsr-3326	48	56	2	2	X
fsr-3326	48	57	)	)	PUNCT
fsr-3326	48	58	gathering	gather	VERB
fsr-3326	48	59	information	information	NOUN
fsr-3326	48	60	,	,	PUNCT
fsr-3326	48	61	(	(	PUNCT
fsr-3326	48	62	3	3	X
fsr-3326	48	63	)	)	PUNCT
fsr-3326	48	64	analyzing	analyze	VERB
fsr-3326	48	65	the	the	DET
fsr-3326	48	66	client	client	NOUN
fsr-3326	48	67	's	's	PART
fsr-3326	48	68	situation	situation	NOUN
fsr-3326	48	69	,	,	PUNCT
fsr-3326	48	70	(	(	PUNCT
fsr-3326	48	71	4	4	X
fsr-3326	48	72	)	)	PUNCT
fsr-3326	48	73	providing	provide	VERB
fsr-3326	48	74	recommendations	recommendation	NOUN
fsr-3326	48	75	,	,	PUNCT
fsr-3326	48	76	(	(	PUNCT
fsr-3326	48	77	5	5	X
fsr-3326	48	78	)	)	PUNCT
fsr-3326	48	79	implementing	implement	VERB
fsr-3326	48	80	the	the	DET
fsr-3326	48	81	recommendations	recommendation	NOUN
fsr-3326	48	82	,	,	PUNCT
fsr-3326	48	83	and	and	CCONJ
fsr-3326	48	84	(	(	PUNCT
fsr-3326	48	85	6	6	X
fsr-3326	48	86	)	)	PUNCT
fsr-3326	48	87	monitoring	monitor	VERB
fsr-3326	48	88	progress	progress	NOUN
fsr-3326	48	89	(	(	PUNCT
fsr-3326	48	90	cfp	cfp	PROPN
fsr-3326	48	91	board	board	NOUN
fsr-3326	48	92	,	,	PUNCT
fsr-3326	48	93	2017	2017	NUM
fsr-3326	48	94	)	)	PUNCT
fsr-3326	48	95	.	.	PUNCT
fsr-3326	49	1	put	put	VERB
fsr-3326	49	2	forward	forward	ADV
fsr-3326	49	3	to	to	PART
fsr-3326	49	4	frame	frame	VERB
fsr-3326	49	5	the	the	DET
fsr-3326	49	6	work	work	NOUN
fsr-3326	49	7	of	of	ADP
fsr-3326	49	8	cfp	cfp	PROPN
fsr-3326	49	9	professionals	professional	NOUN
fsr-3326	49	10	,	,	PUNCT
fsr-3326	49	11	we	we	PRON
fsr-3326	49	12	consider	consider	VERB
fsr-3326	49	13	that	that	SCONJ
fsr-3326	49	14	these	these	DET
fsr-3326	49	15	steps	step	NOUN
fsr-3326	49	16	represent	represent	VERB
fsr-3326	49	17	a	a	DET
fsr-3326	49	18	golden	golden	ADJ
fsr-3326	49	19	standard	standard	NOUN
fsr-3326	49	20	in	in	ADP
fsr-3326	49	21	financial	financial	ADJ
fsr-3326	49	22	services	service	NOUN
fsr-3326	49	23	and	and	CCONJ
fsr-3326	49	24	remain	remain	VERB
fsr-3326	49	25	general	general	ADJ
fsr-3326	49	26	enough	enough	ADV
fsr-3326	49	27	to	to	PART
fsr-3326	49	28	fit	fit	VERB
fsr-3326	49	29	most	most	ADV
fsr-3326	49	30	financial	financial	ADJ
fsr-3326	49	31	advisory	advisory	ADJ
fsr-3326	49	32	services	service	NOUN
fsr-3326	49	33	.	.	PUNCT
fsr-3326	50	1	in	in	ADP
fsr-3326	50	2	this	this	DET
fsr-3326	50	3	regard	regard	NOUN
fsr-3326	50	4	,	,	PUNCT
fsr-3326	50	5	we	we	PRON
fsr-3326	50	6	8	8	NUM
fsr-3326	50	7	we	we	PRON
fsr-3326	50	8	constructed	construct	VERB
fsr-3326	50	9	our	our	PRON
fsr-3326	50	10	model	model	NOUN
fsr-3326	50	11	based	base	VERB
fsr-3326	50	12	on	on	ADP
fsr-3326	50	13	these	these	DET
fsr-3326	50	14	six	six	NUM
fsr-3326	50	15	steps	step	NOUN
fsr-3326	50	16	.	.	PUNCT
fsr-3326	51	1	we	we	PRON
fsr-3326	51	2	are	be	AUX
fsr-3326	51	3	aware	aware	ADJ
fsr-3326	51	4	that	that	SCONJ
fsr-3326	51	5	the	the	DET
fsr-3326	51	6	cfp	cfp	PROPN
fsr-3326	51	7	board	board	PROPN
fsr-3326	51	8	recently	recently	ADV
fsr-3326	51	9	introduced	introduce	VERB
fsr-3326	51	10	a	a	DET
fsr-3326	51	11	seven	seven	NUM
fsr-3326	51	12	-	-	PUNCT
fsr-3326	51	13	step	step	NOUN
fsr-3326	51	14	model	model	NOUN
fsr-3326	51	15	,	,	PUNCT
fsr-3326	51	16	which	which	PRON
fsr-3326	51	17	is	be	AUX
fsr-3326	51	18	very	very	ADV
fsr-3326	51	19	similar	similar	ADJ
fsr-3326	51	20	to	to	ADP
fsr-3326	51	21	the	the	DET
fsr-3326	51	22	six	six	NUM
fsr-3326	51	23	steps	step	NOUN
fsr-3326	51	24	.	.	PUNCT
fsr-3326	52	1	our	our	PRON
fsr-3326	52	2	rationale	rationale	NOUN
fsr-3326	52	3	to	to	PART
fsr-3326	52	4	keep	keep	VERB
fsr-3326	52	5	the	the	DET
fsr-3326	52	6	six	six	NUM
fsr-3326	52	7	-	-	PUNCT
fsr-3326	52	8	step	step	NOUN
fsr-3326	52	9	model	model	NOUN
fsr-3326	52	10	is	be	AUX
fsr-3326	52	11	that	that	SCONJ
fsr-3326	52	12	prior	prior	ADJ
fsr-3326	52	13	research	research	NOUN
fsr-3326	52	14	used	use	VERB
fsr-3326	52	15	for	for	ADP
fsr-3326	52	16	the	the	DET
fsr-3326	52	17	model	model	NOUN
fsr-3326	52	18	has	have	AUX
fsr-3326	52	19	been	be	AUX
fsr-3326	52	20	published	publish	VERB
fsr-3326	52	21	expect	expect	VERB
fsr-3326	52	22	most	most	ADJ
fsr-3326	52	23	financial	financial	ADJ
fsr-3326	52	24	advisors	advisor	NOUN
fsr-3326	52	25	to	to	PART
fsr-3326	52	26	follow	follow	VERB
fsr-3326	52	27	similar	similar	ADJ
fsr-3326	52	28	steps	step	NOUN
fsr-3326	52	29	as	as	ADP
fsr-3326	52	30	those	those	PRON
fsr-3326	52	31	proposed	propose	VERB
fsr-3326	52	32	by	by	ADP
fsr-3326	52	33	the	the	DET
fsr-3326	52	34	cfp	cfp	PROPN
fsr-3326	52	35	board	board	NOUN
fsr-3326	52	36	.	.	PUNCT
fsr-3326	53	1	although	although	SCONJ
fsr-3326	53	2	some	some	DET
fsr-3326	53	3	articles	article	NOUN
fsr-3326	53	4	specify	specify	VERB
fsr-3326	53	5	which	which	DET
fsr-3326	53	6	step	step	NOUN
fsr-3326	53	7	they	they	PRON
fsr-3326	53	8	address	address	VERB
fsr-3326	53	9	(	(	PUNCT
fsr-3326	53	10	e.g.	e.g.	ADV
fsr-3326	53	11	,	,	PUNCT
fsr-3326	53	12	angelova	angelova	PROPN
fsr-3326	53	13	&	&	CCONJ
fsr-3326	53	14	regner	regner	PROPN
fsr-3326	53	15	,	,	PUNCT
fsr-3326	53	16	2013	2013	NUM
fsr-3326	53	17	;	;	PUNCT
fsr-3326	53	18	barnett	barnett	PROPN
fsr-3326	53	19	white	white	PROPN
fsr-3326	53	20	,	,	PUNCT
fsr-3326	53	21	2005	2005	NUM
fsr-3326	53	22	;	;	PUNCT
fsr-3326	53	23	hershey	hershey	PROPN
fsr-3326	53	24	et	et	PROPN
fsr-3326	53	25	al	al	PROPN
fsr-3326	53	26	.	.	PROPN
fsr-3326	53	27	,	,	PUNCT
fsr-3326	53	28	1990	1990	NUM
fsr-3326	53	29	)	)	PUNCT
fsr-3326	53	30	,	,	PUNCT
fsr-3326	53	31	the	the	DET
fsr-3326	53	32	usage	usage	NOUN
fsr-3326	53	33	of	of	ADP
fsr-3326	53	34	steps	step	NOUN
fsr-3326	53	35	to	to	PART
fsr-3326	53	36	analyze	analyze	VERB
fsr-3326	53	37	the	the	DET
fsr-3326	53	38	articles	article	NOUN
fsr-3326	53	39	is	be	AUX
fsr-3326	53	40	mainly	mainly	ADV
fsr-3326	53	41	ours	ours	ADJ
fsr-3326	53	42	.	.	PUNCT
fsr-3326	54	1	in	in	ADP
fsr-3326	54	2	our	our	PRON
fsr-3326	54	3	view	view	NOUN
fsr-3326	54	4	,	,	PUNCT
fsr-3326	54	5	using	use	VERB
fsr-3326	54	6	these	these	DET
fsr-3326	54	7	steps	step	NOUN
fsr-3326	54	8	allows	allow	VERB
fsr-3326	54	9	researchers	researcher	NOUN
fsr-3326	54	10	to	to	PART
fsr-3326	54	11	bridge	bridge	VERB
fsr-3326	54	12	the	the	DET
fsr-3326	54	13	gap	gap	NOUN
fsr-3326	54	14	between	between	ADP
fsr-3326	54	15	research	research	NOUN
fsr-3326	54	16	and	and	CCONJ
fsr-3326	54	17	practice	practice	NOUN
fsr-3326	54	18	.	.	PUNCT
fsr-3326	55	1	our	our	PRON
fsr-3326	55	2	main	main	ADJ
fsr-3326	55	3	research	research	NOUN
fsr-3326	55	4	contributions	contribution	NOUN
fsr-3326	55	5	are	be	AUX
fsr-3326	55	6	as	as	SCONJ
fsr-3326	55	7	follows	follow	VERB
fsr-3326	55	8	.	.	PUNCT
fsr-3326	56	1	first	first	ADV
fsr-3326	56	2	,	,	PUNCT
fsr-3326	56	3	we	we	PRON
fsr-3326	56	4	propose	propose	VERB
fsr-3326	56	5	a	a	DET
fsr-3326	56	6	theory	theory	NOUN
fsr-3326	56	7	-	-	PUNCT
fsr-3326	56	8	driven	drive	VERB
fsr-3326	56	9	review	review	NOUN
fsr-3326	56	10	of	of	ADP
fsr-3326	56	11	the	the	DET
fsr-3326	56	12	financial	financial	ADJ
fsr-3326	56	13	advising	advise	VERB
fsr-3326	56	14	literature	literature	NOUN
fsr-3326	56	15	,	,	PUNCT
fsr-3326	56	16	relying	rely	VERB
fsr-3326	56	17	on	on	ADP
fsr-3326	56	18	three	three	NUM
fsr-3326	56	19	theoretical	theoretical	ADJ
fsr-3326	56	20	lenses	lense	NOUN
fsr-3326	56	21	to	to	PART
fsr-3326	56	22	explain	explain	VERB
fsr-3326	56	23	the	the	DET
fsr-3326	56	24	financial	financial	ADJ
fsr-3326	56	25	advisor	advisor	NOUN
fsr-3326	56	26	’s	’s	PART
fsr-3326	56	27	impact	impact	NOUN
fsr-3326	56	28	.	.	PUNCT
fsr-3326	57	1	second	second	ADJ
fsr-3326	57	2	,	,	PUNCT
fsr-3326	57	3	we	we	PRON
fsr-3326	57	4	propose	propose	VERB
fsr-3326	57	5	an	an	DET
fsr-3326	57	6	integrative	integrative	ADJ
fsr-3326	57	7	model	model	NOUN
fsr-3326	57	8	of	of	ADP
fsr-3326	57	9	the	the	DET
fsr-3326	57	10	financial	financial	ADJ
fsr-3326	57	11	advisor	advisor	NOUN
fsr-3326	57	12	’s	’s	PART
fsr-3326	57	13	impact	impact	NOUN
fsr-3326	57	14	,	,	PUNCT
fsr-3326	57	15	linking	link	VERB
fsr-3326	57	16	the	the	DET
fsr-3326	57	17	three	three	NUM
fsr-3326	57	18	theoretical	theoretical	ADJ
fsr-3326	57	19	lenses	lense	NOUN
fsr-3326	57	20	and	and	CCONJ
fsr-3326	57	21	explaining	explain	VERB
fsr-3326	57	22	the	the	DET
fsr-3326	57	23	divergent	divergent	ADJ
fsr-3326	57	24	results	result	NOUN
fsr-3326	57	25	found	find	VERB
fsr-3326	57	26	in	in	ADP
fsr-3326	57	27	prior	prior	ADJ
fsr-3326	57	28	research	research	NOUN
fsr-3326	57	29	.	.	PUNCT
fsr-3326	58	1	this	this	DET
fsr-3326	58	2	model	model	NOUN
fsr-3326	58	3	allows	allow	VERB
fsr-3326	58	4	one	one	NUM
fsr-3326	58	5	to	to	PART
fsr-3326	58	6	integrate	integrate	VERB
fsr-3326	58	7	the	the	DET
fsr-3326	58	8	reality	reality	NOUN
fsr-3326	58	9	of	of	ADP
fsr-3326	58	10	the	the	DET
fsr-3326	58	11	financial	financial	ADJ
fsr-3326	58	12	advising	advise	VERB
fsr-3326	58	13	environment	environment	NOUN
fsr-3326	58	14	by	by	ADP
fsr-3326	58	15	linking	link	VERB
fsr-3326	58	16	the	the	DET
fsr-3326	58	17	effects	effect	NOUN
fsr-3326	58	18	of	of	ADP
fsr-3326	58	19	the	the	DET
fsr-3326	58	20	advisor	advisor	NOUN
fsr-3326	58	21	’s	’s	PART
fsr-3326	58	22	level	level	NOUN
fsr-3326	58	23	of	of	ADP
fsr-3326	58	24	involvement	involvement	NOUN
fsr-3326	58	25	to	to	ADP
fsr-3326	58	26	the	the	DET
fsr-3326	58	27	steps	step	NOUN
fsr-3326	58	28	performed	perform	VERB
fsr-3326	58	29	in	in	ADP
fsr-3326	58	30	practice	practice	NOUN
fsr-3326	58	31	,	,	PUNCT
fsr-3326	58	32	thus	thus	ADV
fsr-3326	58	33	enhancing	enhance	VERB
fsr-3326	58	34	the	the	DET
fsr-3326	58	35	model	model	NOUN
fsr-3326	58	36	’s	’s	PART
fsr-3326	58	37	relevance	relevance	NOUN
fsr-3326	58	38	for	for	ADP
fsr-3326	58	39	both	both	DET
fsr-3326	58	40	academics	academic	NOUN
fsr-3326	58	41	and	and	CCONJ
fsr-3326	58	42	practitioners	practitioner	NOUN
fsr-3326	58	43	.	.	PUNCT
fsr-3326	59	1	lastly	lastly	ADV
fsr-3326	59	2	,	,	PUNCT
fsr-3326	59	3	based	base	VERB
fsr-3326	59	4	on	on	ADP
fsr-3326	59	5	four	four	NUM
fsr-3326	59	6	financial	financial	ADJ
fsr-3326	59	7	advising	advise	VERB
fsr-3326	59	8	core	core	NOUN
fsr-3326	59	9	questions	question	NOUN
fsr-3326	59	10	developed	develop	VERB
fsr-3326	59	11	in	in	ADP
fsr-3326	59	12	this	this	DET
fsr-3326	59	13	paper	paper	NOUN
fsr-3326	59	14	,	,	PUNCT
fsr-3326	59	15	we	we	PRON
fsr-3326	59	16	contribute	contribute	VERB
fsr-3326	59	17	to	to	ADP
fsr-3326	59	18	better	well	ADV
fsr-3326	59	19	capturing	capture	VERB
fsr-3326	59	20	the	the	DET
fsr-3326	59	21	key	key	ADJ
fsr-3326	59	22	concept	concept	NOUN
fsr-3326	59	23	of	of	ADP
fsr-3326	59	24	credence	credence	NOUN
fsr-3326	59	25	good	good	ADJ
fsr-3326	59	26	,	,	PUNCT
fsr-3326	59	27	as	as	SCONJ
fsr-3326	59	28	provided	provide	VERB
fsr-3326	59	29	by	by	ADP
fsr-3326	59	30	a	a	DET
fsr-3326	59	31	financial	financial	ADJ
fsr-3326	59	32	advisor	advisor	NOUN
fsr-3326	59	33	’s	’s	PART
fsr-3326	59	34	services	service	NOUN
fsr-3326	59	35	,	,	PUNCT
fsr-3326	59	36	and	and	CCONJ
fsr-3326	59	37	provide	provide	VERB
fsr-3326	59	38	explanations	explanation	NOUN
fsr-3326	59	39	on	on	ADP
fsr-3326	59	40	how	how	SCONJ
fsr-3326	59	41	an	an	DET
fsr-3326	59	42	advisor	advisor	NOUN
fsr-3326	59	43	’s	’s	PART
fsr-3326	59	44	involvement	involvement	NOUN
fsr-3326	59	45	will	will	AUX
fsr-3326	59	46	impact	impact	VERB
fsr-3326	59	47	their	their	PRON
fsr-3326	59	48	clients	client	NOUN
fsr-3326	59	49	’	’	PART
fsr-3326	59	50	financial	financial	ADJ
fsr-3326	59	51	outcomes	outcome	NOUN
fsr-3326	59	52	compared	compare	VERB
fsr-3326	59	53	to	to	ADP
fsr-3326	59	54	when	when	SCONJ
fsr-3326	59	55	an	an	DET
fsr-3326	59	56	individual	individual	NOUN
fsr-3326	59	57	decides	decide	VERB
fsr-3326	59	58	to	to	PART
fsr-3326	59	59	act	act	VERB
fsr-3326	59	60	in	in	ADP
fsr-3326	59	61	an	an	DET
fsr-3326	59	62	unassisted	unassiste	VERB
fsr-3326	59	63	manner	manner	NOUN
fsr-3326	59	64	.	.	PUNCT
fsr-3326	60	1	theorization	theorization	NOUN
fsr-3326	60	2	of	of	ADP
fsr-3326	60	3	financial	financial	ADJ
fsr-3326	60	4	advising	advise	VERB
fsr-3326	60	5	agency	agency	NOUN
fsr-3326	60	6	theory	theory	NOUN
fsr-3326	60	7	agency	agency	NOUN
fsr-3326	60	8	theory	theory	NOUN
fsr-3326	60	9	refers	refer	VERB
fsr-3326	60	10	to	to	ADP
fsr-3326	60	11	an	an	DET
fsr-3326	60	12	arrangement	arrangement	NOUN
fsr-3326	60	13	whereby	whereby	SCONJ
fsr-3326	60	14	the	the	DET
fsr-3326	60	15	principal	principal	ADJ
fsr-3326	60	16	delegates	delegate	VERB
fsr-3326	60	17	some	some	PRON
fsr-3326	60	18	of	of	ADP
fsr-3326	60	19	their	their	PRON
fsr-3326	60	20	decisionmaking	decisionmake	VERB
fsr-3326	60	21	power	power	NOUN
fsr-3326	60	22	to	to	ADP
fsr-3326	60	23	an	an	DET
fsr-3326	60	24	agent	agent	NOUN
fsr-3326	60	25	.	.	PUNCT
fsr-3326	61	1	as	as	SCONJ
fsr-3326	61	2	each	each	DET
fsr-3326	61	3	party	party	NOUN
fsr-3326	61	4	seeks	seek	VERB
fsr-3326	61	5	to	to	PART
fsr-3326	61	6	maximize	maximize	VERB
fsr-3326	61	7	their	their	PRON
fsr-3326	61	8	personal	personal	ADJ
fsr-3326	61	9	interests	interest	NOUN
fsr-3326	61	10	,	,	PUNCT
fsr-3326	61	11	the	the	DET
fsr-3326	61	12	goals	goal	NOUN
fsr-3326	61	13	pursued	pursue	VERB
fsr-3326	61	14	by	by	ADP
fsr-3326	61	15	the	the	DET
fsr-3326	61	16	principal	principal	NOUN
fsr-3326	61	17	are	be	AUX
fsr-3326	61	18	in	in	ADP
fsr-3326	61	19	opposition	opposition	NOUN
fsr-3326	61	20	with	with	ADP
fsr-3326	61	21	the	the	DET
fsr-3326	61	22	goals	goal	NOUN
fsr-3326	61	23	pursued	pursue	VERB
fsr-3326	61	24	by	by	ADP
fsr-3326	61	25	the	the	DET
fsr-3326	61	26	agent	agent	NOUN
fsr-3326	61	27	(	(	PUNCT
fsr-3326	61	28	jensen	jensen	PROPN
fsr-3326	61	29	&	&	CCONJ
fsr-3326	61	30	meckling	meckling	PROPN
fsr-3326	61	31	,	,	PUNCT
fsr-3326	61	32	1976	1976	NUM
fsr-3326	61	33	)	)	PUNCT
fsr-3326	61	34	.	.	PUNCT
fsr-3326	62	1	this	this	DET
fsr-3326	62	2	conflict	conflict	NOUN
fsr-3326	62	3	is	be	AUX
fsr-3326	62	4	embedded	embed	VERB
fsr-3326	62	5	in	in	ADP
fsr-3326	62	6	an	an	PRON
fsr-3326	62	7	during	during	ADP
fsr-3326	62	8	the	the	DET
fsr-3326	62	9	tenure	tenure	NOUN
fsr-3326	62	10	of	of	ADP
fsr-3326	62	11	the	the	DET
fsr-3326	62	12	six	six	NUM
fsr-3326	62	13	-	-	PUNCT
fsr-3326	62	14	step	step	NOUN
fsr-3326	62	15	model	model	NOUN
fsr-3326	62	16	,	,	PUNCT
fsr-3326	62	17	and	and	CCONJ
fsr-3326	62	18	the	the	DET
fsr-3326	62	19	new	new	ADJ
fsr-3326	62	20	step	step	NOUN
fsr-3326	62	21	is	be	AUX
fsr-3326	62	22	a	a	DET
fsr-3326	62	23	split	split	NOUN
fsr-3326	62	24	of	of	ADP
fsr-3326	62	25	existing	exist	VERB
fsr-3326	62	26	ones	one	NOUN
fsr-3326	62	27	.	.	PUNCT
fsr-3326	63	1	after	after	ADP
fsr-3326	63	2	analysis	analysis	NOUN
fsr-3326	63	3	,	,	PUNCT
fsr-3326	63	4	we	we	PRON
fsr-3326	63	5	did	do	AUX
fsr-3326	63	6	not	not	PART
fsr-3326	63	7	find	find	VERB
fsr-3326	63	8	significant	significant	ADJ
fsr-3326	63	9	differences	difference	NOUN
fsr-3326	63	10	when	when	SCONJ
fsr-3326	63	11	we	we	PRON
fsr-3326	63	12	looked	look	VERB
fsr-3326	63	13	at	at	ADP
fsr-3326	63	14	our	our	PRON
fsr-3326	63	15	data	datum	NOUN
fsr-3326	63	16	with	with	ADP
fsr-3326	63	17	an	an	DET
fsr-3326	63	18	additional	additional	ADJ
fsr-3326	63	19	step	step	NOUN
fsr-3326	63	20	.	.	PUNCT
fsr-3326	64	1	financial	financial	ADJ
fsr-3326	64	2	services	service	NOUN
fsr-3326	64	3	review	review	PROPN
fsr-3326	64	4	,	,	PUNCT
fsr-3326	64	5	32(3	32(3	NUM
fsr-3326	64	6	)	)	PUNCT
fsr-3326	64	7	35	35	NUM
fsr-3326	64	8	asymmetry	asymmetry	NOUN
fsr-3326	64	9	of	of	ADP
fsr-3326	64	10	information	information	NOUN
fsr-3326	64	11	favoring	favor	VERB
fsr-3326	64	12	the	the	DET
fsr-3326	64	13	agent	agent	NOUN
fsr-3326	64	14	(	(	PUNCT
fsr-3326	64	15	ross	ross	PROPN
fsr-3326	64	16	,	,	PUNCT
fsr-3326	64	17	1973	1973	NUM
fsr-3326	64	18	;	;	PUNCT
fsr-3326	64	19	wright	wright	PROPN
fsr-3326	64	20	et	et	PROPN
fsr-3326	64	21	al	al	PROPN
fsr-3326	64	22	.	.	PROPN
fsr-3326	64	23	,	,	PUNCT
fsr-3326	64	24	2001	2001	NUM
fsr-3326	64	25	)	)	PUNCT
fsr-3326	64	26	.	.	PUNCT
fsr-3326	65	1	financial	financial	ADJ
fsr-3326	65	2	advising	advising	NOUN
fsr-3326	65	3	meets	meet	VERB
fsr-3326	65	4	the	the	DET
fsr-3326	65	5	characteristics	characteristic	NOUN
fsr-3326	65	6	associated	associate	VERB
fsr-3326	65	7	with	with	ADP
fsr-3326	65	8	agency	agency	NOUN
fsr-3326	65	9	theory	theory	NOUN
fsr-3326	65	10	.	.	PUNCT
fsr-3326	66	1	there	there	PRON
fsr-3326	66	2	exists	exist	VERB
fsr-3326	66	3	a	a	DET
fsr-3326	66	4	contractual	contractual	ADJ
fsr-3326	66	5	relationship	relationship	NOUN
fsr-3326	66	6	between	between	ADP
fsr-3326	66	7	a	a	DET
fsr-3326	66	8	principal	principal	NOUN
fsr-3326	66	9	(	(	PUNCT
fsr-3326	66	10	the	the	DET
fsr-3326	66	11	client	client	NOUN
fsr-3326	66	12	)	)	PUNCT
fsr-3326	66	13	and	and	CCONJ
fsr-3326	66	14	an	an	DET
fsr-3326	66	15	agent	agent	NOUN
fsr-3326	66	16	(	(	PUNCT
fsr-3326	66	17	the	the	DET
fsr-3326	66	18	advisor	advisor	NOUN
fsr-3326	66	19	)	)	PUNCT
fsr-3326	66	20	,	,	PUNCT
fsr-3326	66	21	a	a	DET
fsr-3326	66	22	clash	clash	NOUN
fsr-3326	66	23	of	of	ADP
fsr-3326	66	24	goals	goal	NOUN
fsr-3326	66	25	wherein	wherein	SCONJ
fsr-3326	66	26	the	the	DET
fsr-3326	66	27	client	client	NOUN
fsr-3326	66	28	wants	want	VERB
fsr-3326	66	29	their	their	PRON
fsr-3326	66	30	assets	asset	NOUN
fsr-3326	66	31	to	to	PART
fsr-3326	66	32	grow	grow	VERB
fsr-3326	66	33	,	,	PUNCT
fsr-3326	66	34	while	while	SCONJ
fsr-3326	66	35	the	the	DET
fsr-3326	66	36	advisor	advisor	NOUN
fsr-3326	66	37	seeks	seek	VERB
fsr-3326	66	38	to	to	PART
fsr-3326	66	39	derive	derive	VERB
fsr-3326	66	40	personal	personal	ADJ
fsr-3326	66	41	benefit	benefit	NOUN
fsr-3326	66	42	from	from	ADP
fsr-3326	66	43	the	the	DET
fsr-3326	66	44	actions	action	NOUN
fsr-3326	66	45	taken	take	VERB
fsr-3326	66	46	on	on	ADP
fsr-3326	66	47	the	the	DET
fsr-3326	66	48	client	client	NOUN
fsr-3326	66	49	’s	’s	PART
fsr-3326	66	50	behalf	behalf	NOUN
fsr-3326	66	51	.	.	PUNCT
fsr-3326	67	1	to	to	PART
fsr-3326	67	2	overcome	overcome	VERB
fsr-3326	67	3	this	this	DET
fsr-3326	67	4	conflict	conflict	NOUN
fsr-3326	67	5	of	of	ADP
fsr-3326	67	6	interest	interest	NOUN
fsr-3326	67	7	,	,	PUNCT
fsr-3326	67	8	the	the	DET
fsr-3326	67	9	client	client	NOUN
fsr-3326	67	10	can	can	AUX
fsr-3326	67	11	either	either	CCONJ
fsr-3326	67	12	set	set	VERB
fsr-3326	67	13	up	up	ADP
fsr-3326	67	14	control	control	NOUN
fsr-3326	67	15	mechanisms	mechanism	NOUN
fsr-3326	67	16	to	to	PART
fsr-3326	67	17	monitor	monitor	VERB
fsr-3326	67	18	the	the	DET
fsr-3326	67	19	advisor	advisor	NOUN
fsr-3326	67	20	’s	’s	PART
fsr-3326	67	21	actions	action	NOUN
fsr-3326	67	22	or	or	CCONJ
fsr-3326	67	23	motivate	motivate	VERB
fsr-3326	67	24	the	the	DET
fsr-3326	67	25	advisor	advisor	NOUN
fsr-3326	67	26	to	to	PART
fsr-3326	67	27	act	act	VERB
fsr-3326	67	28	in	in	ADP
fsr-3326	67	29	the	the	DET
fsr-3326	67	30	best	good	ADJ
fsr-3326	67	31	interests	interest	NOUN
fsr-3326	67	32	of	of	ADP
fsr-3326	67	33	both	both	DET
fsr-3326	67	34	parties	party	NOUN
fsr-3326	67	35	by	by	ADP
fsr-3326	67	36	offering	offer	VERB
fsr-3326	67	37	incentives	incentive	NOUN
fsr-3326	67	38	(	(	PUNCT
fsr-3326	67	39	jensen	jensen	PROPN
fsr-3326	67	40	&	&	CCONJ
fsr-3326	67	41	meckling	meckling	PROPN
fsr-3326	67	42	,	,	PUNCT
fsr-3326	67	43	1976	1976	NUM
fsr-3326	67	44	;	;	PUNCT
fsr-3326	67	45	wright	wright	PROPN
fsr-3326	67	46	et	et	PROPN
fsr-3326	67	47	al	al	PROPN
fsr-3326	67	48	.	.	PROPN
fsr-3326	67	49	,	,	PUNCT
fsr-3326	67	50	2001	2001	NUM
fsr-3326	67	51	)	)	PUNCT
fsr-3326	67	52	.	.	PUNCT
fsr-3326	68	1	unfortunately	unfortunately	ADV
fsr-3326	68	2	,	,	PUNCT
fsr-3326	68	3	the	the	DET
fsr-3326	68	4	impact	impact	NOUN
fsr-3326	68	5	on	on	ADP
fsr-3326	68	6	the	the	DET
fsr-3326	68	7	outcomes	outcome	NOUN
fsr-3326	68	8	of	of	ADP
fsr-3326	68	9	these	these	DET
fsr-3326	68	10	controls	control	NOUN
fsr-3326	68	11	is	be	AUX
fsr-3326	68	12	uncertain	uncertain	ADJ
fsr-3326	68	13	,	,	PUNCT
fsr-3326	68	14	and	and	CCONJ
fsr-3326	68	15	controls	control	NOUN
fsr-3326	68	16	and	and	CCONJ
fsr-3326	68	17	incentives	incentive	NOUN
fsr-3326	68	18	add	add	VERB
fsr-3326	68	19	costs	cost	NOUN
fsr-3326	68	20	to	to	ADP
fsr-3326	68	21	the	the	DET
fsr-3326	68	22	client	client	NOUN
fsr-3326	68	23	.	.	PUNCT
fsr-3326	69	1	for	for	ADP
fsr-3326	69	2	instance	instance	NOUN
fsr-3326	69	3	,	,	PUNCT
fsr-3326	69	4	research	research	NOUN
fsr-3326	69	5	indicates	indicate	VERB
fsr-3326	69	6	that	that	SCONJ
fsr-3326	69	7	individuals	individual	NOUN
fsr-3326	69	8	are	be	AUX
fsr-3326	69	9	unable	unable	ADJ
fsr-3326	69	10	to	to	PART
fsr-3326	69	11	answer	answer	VERB
fsr-3326	69	12	basic	basic	ADJ
fsr-3326	69	13	financial	financial	ADJ
fsr-3326	69	14	literacy	literacy	NOUN
fsr-3326	69	15	questions	question	NOUN
fsr-3326	69	16	(	(	PUNCT
fsr-3326	69	17	boisclair	boisclair	NOUN
fsr-3326	69	18	et	et	PROPN
fsr-3326	69	19	al	al	PROPN
fsr-3326	69	20	.	.	PROPN
fsr-3326	69	21	,	,	PUNCT
fsr-3326	69	22	2017	2017	NUM
fsr-3326	69	23	;	;	PUNCT
fsr-3326	69	24	lusardi	lusardi	PROPN
fsr-3326	69	25	&	&	CCONJ
fsr-3326	69	26	mitchell	mitchell	PROPN
fsr-3326	69	27	,	,	PUNCT
fsr-3326	69	28	2011	2011	NUM
fsr-3326	69	29	,	,	PUNCT
fsr-3326	69	30	2014).9	2014).9	NUM
fsr-3326	69	31	thus	thus	ADV
fsr-3326	69	32	,	,	PUNCT
fsr-3326	69	33	clients	client	NOUN
fsr-3326	69	34	lack	lack	VERB
fsr-3326	69	35	the	the	DET
fsr-3326	69	36	knowledge	knowledge	NOUN
fsr-3326	69	37	to	to	PART
fsr-3326	69	38	assess	assess	VERB
fsr-3326	69	39	the	the	DET
fsr-3326	69	40	complex	complex	ADJ
fsr-3326	69	41	steps	step	NOUN
fsr-3326	69	42	and	and	CCONJ
fsr-3326	69	43	actions	action	NOUN
fsr-3326	69	44	carried	carry	VERB
fsr-3326	69	45	out	out	ADP
fsr-3326	69	46	by	by	ADP
fsr-3326	69	47	an	an	DET
fsr-3326	69	48	advisor	advisor	NOUN
fsr-3326	69	49	,	,	PUNCT
fsr-3326	69	50	challenging	challenge	VERB
fsr-3326	69	51	their	their	PRON
fsr-3326	69	52	ability	ability	NOUN
fsr-3326	69	53	to	to	PART
fsr-3326	69	54	implement	implement	VERB
fsr-3326	69	55	effective	effective	ADJ
fsr-3326	69	56	controls	control	NOUN
fsr-3326	69	57	.	.	PUNCT
fsr-3326	70	1	further	far	ADV
fsr-3326	70	2	,	,	PUNCT
fsr-3326	70	3	clients	client	NOUN
fsr-3326	70	4	are	be	AUX
fsr-3326	70	5	in	in	ADP
fsr-3326	70	6	a	a	DET
fsr-3326	70	7	difficult	difficult	ADJ
fsr-3326	70	8	position	position	NOUN
fsr-3326	70	9	to	to	PART
fsr-3326	70	10	incentivize	incentivize	VERB
fsr-3326	70	11	advisors	advisor	NOUN
fsr-3326	70	12	,	,	PUNCT
fsr-3326	70	13	since	since	SCONJ
fsr-3326	70	14	they	they	PRON
fsr-3326	70	15	do	do	AUX
fsr-3326	70	16	not	not	PART
fsr-3326	70	17	have	have	VERB
fsr-3326	70	18	full	full	ADJ
fsr-3326	70	19	control	control	NOUN
fsr-3326	70	20	over	over	ADP
fsr-3326	70	21	all	all	DET
fsr-3326	70	22	the	the	DET
fsr-3326	70	23	incentives	incentive	NOUN
fsr-3326	70	24	offered	offer	VERB
fsr-3326	70	25	to	to	ADP
fsr-3326	70	26	the	the	DET
fsr-3326	70	27	advisor	advisor	NOUN
fsr-3326	70	28	.	.	PUNCT
fsr-3326	71	1	for	for	ADP
fsr-3326	71	2	example	example	NOUN
fsr-3326	71	3	,	,	PUNCT
fsr-3326	71	4	the	the	DET
fsr-3326	71	5	advisor	advisor	NOUN
fsr-3326	71	6	’s	’s	PART
fsr-3326	71	7	employer	employer	NOUN
fsr-3326	71	8	may	may	AUX
fsr-3326	71	9	compensate	compensate	VERB
fsr-3326	71	10	the	the	DET
fsr-3326	71	11	advisor	advisor	NOUN
fsr-3326	71	12	to	to	PART
fsr-3326	71	13	sell	sell	VERB
fsr-3326	71	14	certain	certain	ADJ
fsr-3326	71	15	products	product	NOUN
fsr-3326	71	16	,	,	PUNCT
fsr-3326	71	17	which	which	PRON
fsr-3326	71	18	influences	influence	VERB
fsr-3326	71	19	the	the	DET
fsr-3326	71	20	advisor	advisor	NOUN
fsr-3326	71	21	’s	’s	PART
fsr-3326	71	22	recommendations	recommendation	NOUN
fsr-3326	71	23	and	and	CCONJ
fsr-3326	71	24	actions	action	NOUN
fsr-3326	71	25	(	(	PUNCT
fsr-3326	71	26	inderst	inderst	PROPN
fsr-3326	71	27	&	&	CCONJ
fsr-3326	71	28	ottaviani	ottaviani	PROPN
fsr-3326	71	29	,	,	PUNCT
fsr-3326	71	30	2012a	2012a	NUM
fsr-3326	71	31	,	,	PUNCT
fsr-3326	71	32	2012b	2012b	NUM
fsr-3326	71	33	;	;	PUNCT
fsr-3326	71	34	kingston	kingston	PROPN
fsr-3326	71	35	&	&	CCONJ
fsr-3326	71	36	weng	weng	PROPN
fsr-3326	71	37	,	,	PUNCT
fsr-3326	71	38	2014	2014	NUM
fsr-3326	71	39	)	)	PUNCT
fsr-3326	71	40	.	.	PUNCT
fsr-3326	72	1	in	in	ADP
fsr-3326	72	2	such	such	DET
fsr-3326	72	3	a	a	DET
fsr-3326	72	4	case	case	NOUN
fsr-3326	72	5	,	,	PUNCT
fsr-3326	72	6	it	it	PRON
fsr-3326	72	7	becomes	become	VERB
fsr-3326	72	8	difficult	difficult	ADJ
fsr-3326	72	9	and	and	CCONJ
fsr-3326	72	10	costly	costly	ADJ
fsr-3326	72	11	for	for	SCONJ
fsr-3326	72	12	the	the	DET
fsr-3326	72	13	client	client	NOUN
fsr-3326	72	14	to	to	PART
fsr-3326	72	15	implement	implement	VERB
fsr-3326	72	16	incentives	incentive	NOUN
fsr-3326	72	17	that	that	PRON
fsr-3326	72	18	can	can	AUX
fsr-3326	72	19	really	really	ADV
fsr-3326	72	20	drive	drive	VERB
fsr-3326	72	21	behavior	behavior	NOUN
fsr-3326	72	22	,	,	PUNCT
fsr-3326	72	23	such	such	ADJ
fsr-3326	72	24	as	as	ADP
fsr-3326	72	25	prioritizing	prioritize	VERB
fsr-3326	72	26	the	the	DET
fsr-3326	72	27	client	client	NOUN
fsr-3326	72	28	’s	’s	PART
fsr-3326	72	29	interest	interest	NOUN
fsr-3326	72	30	.	.	PUNCT
fsr-3326	73	1	moreover	moreover	ADV
fsr-3326	73	2	,	,	PUNCT
fsr-3326	73	3	most	most	ADJ
fsr-3326	73	4	clients	client	NOUN
fsr-3326	73	5	can	can	AUX
fsr-3326	73	6	not	not	PART
fsr-3326	73	7	estimate	estimate	VERB
fsr-3326	73	8	how	how	SCONJ
fsr-3326	73	9	much	much	ADJ
fsr-3326	73	10	their	their	PRON
fsr-3326	73	11	advisor	advisor	NOUN
fsr-3326	73	12	’s	’s	PART
fsr-3326	73	13	services	service	NOUN
fsr-3326	73	14	cost	cost	VERB
fsr-3326	73	15	9	9	NUM
fsr-3326	73	16	research	research	NOUN
fsr-3326	73	17	around	around	ADP
fsr-3326	73	18	the	the	DET
fsr-3326	73	19	world	world	NOUN
fsr-3326	73	20	indicates	indicate	VERB
fsr-3326	73	21	that	that	SCONJ
fsr-3326	73	22	between	between	ADP
fsr-3326	73	23	30	30	NUM
fsr-3326	73	24	%	%	NOUN
fsr-3326	73	25	and	and	CCONJ
fsr-3326	73	26	55	55	NUM
fsr-3326	73	27	%	%	NOUN
fsr-3326	73	28	of	of	ADP
fsr-3326	73	29	respondents	respondent	NOUN
fsr-3326	73	30	correctly	correctly	ADV
fsr-3326	73	31	answer	answer	VERB
fsr-3326	73	32	the	the	DET
fsr-3326	73	33	three	three	NUM
fsr-3326	73	34	core	core	ADJ
fsr-3326	73	35	questions	question	NOUN
fsr-3326	73	36	on	on	ADP
fsr-3326	73	37	financial	financial	ADJ
fsr-3326	73	38	literacy	literacy	NOUN
fsr-3326	73	39	.	.	PUNCT
fsr-3326	74	1	in	in	ADP
fsr-3326	74	2	canada	canada	PROPN
fsr-3326	74	3	,	,	PUNCT
fsr-3326	74	4	the	the	DET
fsr-3326	74	5	rate	rate	NOUN
fsr-3326	74	6	is	be	AUX
fsr-3326	74	7	42	42	NUM
fsr-3326	74	8	%	%	NOUN
fsr-3326	74	9	(	(	PUNCT
fsr-3326	74	10	boisclair	boisclair	NOUN
fsr-3326	74	11	et	et	PROPN
fsr-3326	74	12	al	al	PROPN
fsr-3326	74	13	.	.	PROPN
fsr-3326	74	14	,	,	PUNCT
fsr-3326	74	15	2017	2017	NUM
fsr-3326	74	16	)	)	PUNCT
fsr-3326	74	17	,	,	PUNCT
fsr-3326	74	18	while	while	SCONJ
fsr-3326	74	19	in	in	ADP
fsr-3326	74	20	the	the	DET
fsr-3326	74	21	united	united	PROPN
fsr-3326	74	22	states	states	PROPN
fsr-3326	74	23	the	the	DET
fsr-3326	74	24	rate	rate	NOUN
fsr-3326	74	25	is	be	AUX
fsr-3326	74	26	30	30	NUM
fsr-3326	74	27	%	%	NOUN
fsr-3326	74	28	(	(	PUNCT
fsr-3326	74	29	lusardi	lusardi	PROPN
fsr-3326	74	30	&	&	CCONJ
fsr-3326	74	31	mitchell	mitchell	PROPN
fsr-3326	74	32	,	,	PUNCT
fsr-3326	74	33	2011	2011	NUM
fsr-3326	74	34	)	)	PUNCT
fsr-3326	74	35	.	.	PUNCT
fsr-3326	75	1	the	the	DET
fsr-3326	75	2	three	three	NUM
fsr-3326	75	3	core	core	NOUN
fsr-3326	75	4	questions	question	NOUN
fsr-3326	75	5	are	be	AUX
fsr-3326	75	6	:	:	PUNCT
fsr-3326	75	7	question	question	NOUN
fsr-3326	75	8	1	1	NUM
fsr-3326	75	9	,	,	PUNCT
fsr-3326	75	10	on	on	ADP
fsr-3326	75	11	interest	interest	NOUN
fsr-3326	75	12	rates	rate	NOUN
fsr-3326	75	13	:	:	PUNCT
fsr-3326	75	14	“	"	PUNCT
fsr-3326	75	15	suppose	suppose	VERB
fsr-3326	75	16	you	you	PRON
fsr-3326	75	17	had	have	VERB
fsr-3326	75	18	$	$	SYM
fsr-3326	75	19	100	100	NUM
fsr-3326	75	20	in	in	ADP
fsr-3326	75	21	a	a	DET
fsr-3326	75	22	savings	saving	NOUN
fsr-3326	75	23	account	account	NOUN
fsr-3326	75	24	and	and	CCONJ
fsr-3326	75	25	the	the	DET
fsr-3326	75	26	interest	interest	NOUN
fsr-3326	75	27	rate	rate	NOUN
fsr-3326	75	28	was	be	AUX
fsr-3326	75	29	2	2	NUM
fsr-3326	75	30	%	%	NOUN
fsr-3326	75	31	per	per	ADP
fsr-3326	75	32	year	year	NOUN
fsr-3326	75	33	.	.	PUNCT
fsr-3326	76	1	after	after	ADP
fsr-3326	76	2	five	five	NUM
fsr-3326	76	3	years	year	NOUN
fsr-3326	76	4	,	,	PUNCT
fsr-3326	76	5	how	how	SCONJ
fsr-3326	76	6	much	much	ADJ
fsr-3326	76	7	do	do	AUX
fsr-3326	76	8	you	you	PRON
fsr-3326	76	9	think	think	VERB
fsr-3326	76	10	you	you	PRON
fsr-3326	76	11	would	would	AUX
fsr-3326	76	12	have	have	VERB
fsr-3326	76	13	in	in	ADP
fsr-3326	76	14	the	the	DET
fsr-3326	76	15	account	account	NOUN
fsr-3326	76	16	if	if	SCONJ
fsr-3326	76	17	you	you	PRON
fsr-3326	76	18	left	leave	VERB
fsr-3326	76	19	the	the	DET
fsr-3326	76	20	money	money	NOUN
fsr-3326	76	21	to	to	PART
fsr-3326	76	22	grow	grow	VERB
fsr-3326	76	23	?	?	PUNCT
fsr-3326	77	1	more	more	ADJ
fsr-3326	77	2	than	than	ADP
fsr-3326	77	3	them	they	PRON
fsr-3326	77	4	,	,	PUNCT
fsr-3326	77	5	or	or	CCONJ
fsr-3326	77	6	do	do	AUX
fsr-3326	77	7	not	not	PART
fsr-3326	77	8	know	know	VERB
fsr-3326	77	9	how	how	SCONJ
fsr-3326	77	10	their	their	PRON
fsr-3326	77	11	advisor	advisor	NOUN
fsr-3326	77	12	is	be	AUX
fsr-3326	77	13	compensated	compensate	VERB
fsr-3326	77	14	(	(	PUNCT
fsr-3326	77	15	cheng	cheng	PROPN
fsr-3326	77	16	&	&	CCONJ
fsr-3326	77	17	kalenkoski	kalenkoski	PROPN
fsr-3326	77	18	,	,	PUNCT
fsr-3326	77	19	2018	2018	NUM
fsr-3326	77	20	)	)	PUNCT
fsr-3326	77	21	.	.	PUNCT
fsr-3326	78	1	trust	trust	NOUN
fsr-3326	78	2	theory	theory	NOUN
fsr-3326	78	3	several	several	ADJ
fsr-3326	78	4	definitions	definition	NOUN
fsr-3326	78	5	of	of	ADP
fsr-3326	78	6	trust	trust	NOUN
fsr-3326	78	7	exist	exist	VERB
fsr-3326	78	8	,	,	PUNCT
fsr-3326	78	9	but	but	CCONJ
fsr-3326	78	10	the	the	DET
fsr-3326	78	11	one	one	NOUN
fsr-3326	78	12	posited	posit	VERB
fsr-3326	78	13	by	by	ADP
fsr-3326	78	14	mayer	mayer	PROPN
fsr-3326	78	15	et	et	PROPN
fsr-3326	78	16	al	al	PROPN
fsr-3326	78	17	.	.	PROPN
fsr-3326	79	1	(	(	PUNCT
fsr-3326	79	2	1995	1995	NUM
fsr-3326	79	3	)	)	PUNCT
fsr-3326	79	4	is	be	AUX
fsr-3326	79	5	relevant	relevant	ADJ
fsr-3326	79	6	to	to	ADP
fsr-3326	79	7	our	our	PRON
fsr-3326	79	8	study	study	NOUN
fsr-3326	79	9	:	:	PUNCT
fsr-3326	79	10	“	"	PUNCT
fsr-3326	79	11	the	the	DET
fsr-3326	79	12	willingness	willingness	NOUN
fsr-3326	79	13	of	of	ADP
fsr-3326	79	14	a	a	DET
fsr-3326	79	15	party	party	NOUN
fsr-3326	79	16	to	to	PART
fsr-3326	79	17	be	be	AUX
fsr-3326	79	18	vulnerable	vulnerable	ADJ
fsr-3326	79	19	to	to	ADP
fsr-3326	79	20	the	the	DET
fsr-3326	79	21	actions	action	NOUN
fsr-3326	79	22	of	of	ADP
fsr-3326	79	23	another	another	DET
fsr-3326	79	24	party	party	NOUN
fsr-3326	79	25	based	base	VERB
fsr-3326	79	26	on	on	ADP
fsr-3326	79	27	the	the	DET
fsr-3326	79	28	expectation	expectation	NOUN
fsr-3326	79	29	that	that	SCONJ
fsr-3326	79	30	the	the	DET
fsr-3326	79	31	other	other	ADJ
fsr-3326	79	32	will	will	AUX
fsr-3326	79	33	perform	perform	VERB
fsr-3326	79	34	a	a	DET
fsr-3326	79	35	particular	particular	ADJ
fsr-3326	79	36	action	action	NOUN
fsr-3326	79	37	important	important	ADJ
fsr-3326	79	38	to	to	ADP
fsr-3326	79	39	the	the	DET
fsr-3326	79	40	trustor	trustor	NOUN
fsr-3326	79	41	,	,	PUNCT
fsr-3326	79	42	irrespective	irrespective	ADV
fsr-3326	79	43	of	of	ADP
fsr-3326	79	44	the	the	DET
fsr-3326	79	45	ability	ability	NOUN
fsr-3326	79	46	to	to	PART
fsr-3326	79	47	monitor	monitor	VERB
fsr-3326	79	48	or	or	CCONJ
fsr-3326	79	49	control	control	VERB
fsr-3326	79	50	that	that	SCONJ
fsr-3326	79	51	other	other	ADJ
fsr-3326	79	52	party	party	NOUN
fsr-3326	79	53	”	"	PUNCT
fsr-3326	79	54	(	(	PUNCT
fsr-3326	79	55	p.	p.	NOUN
fsr-3326	79	56	712	712	NUM
fsr-3326	79	57	)	)	PUNCT
fsr-3326	79	58	.	.	PUNCT
fsr-3326	80	1	common	common	ADJ
fsr-3326	80	2	to	to	ADP
fsr-3326	80	3	most	most	ADJ
fsr-3326	80	4	definitions	definition	NOUN
fsr-3326	80	5	is	be	AUX
fsr-3326	80	6	that	that	SCONJ
fsr-3326	80	7	a	a	DET
fsr-3326	80	8	trust	trust	NOUN
fsr-3326	80	9	relationship	relationship	NOUN
fsr-3326	80	10	can	can	AUX
fsr-3326	80	11	not	not	PART
fsr-3326	80	12	exist	exist	VERB
fsr-3326	80	13	without	without	ADP
fsr-3326	80	14	the	the	DET
fsr-3326	80	15	presence	presence	NOUN
fsr-3326	80	16	of	of	ADP
fsr-3326	80	17	a	a	DET
fsr-3326	80	18	person	person	NOUN
fsr-3326	80	19	who	who	PRON
fsr-3326	80	20	trusts	trust	VERB
fsr-3326	80	21	(	(	PUNCT
fsr-3326	80	22	trustor	trustor	NOUN
fsr-3326	80	23	)	)	PUNCT
fsr-3326	80	24	,	,	PUNCT
fsr-3326	80	25	a	a	DET
fsr-3326	80	26	trusted	trust	VERB
fsr-3326	80	27	party	party	NOUN
fsr-3326	80	28	(	(	PUNCT
fsr-3326	80	29	trustee	trustee	NOUN
fsr-3326	80	30	)	)	PUNCT
fsr-3326	80	31	,	,	PUNCT
fsr-3326	80	32	and	and	CCONJ
fsr-3326	80	33	a	a	DET
fsr-3326	80	34	context	context	NOUN
fsr-3326	80	35	involving	involve	VERB
fsr-3326	80	36	risk	risk	NOUN
fsr-3326	80	37	-	-	PUNCT
fsr-3326	80	38	taking	taking	NOUN
fsr-3326	80	39	by	by	ADP
fsr-3326	80	40	the	the	DET
fsr-3326	80	41	trustor	trustor	NOUN
fsr-3326	80	42	.	.	PUNCT
fsr-3326	81	1	it	it	PRON
fsr-3326	81	2	is	be	AUX
fsr-3326	81	3	remarkable	remarkable	ADJ
fsr-3326	81	4	how	how	SCONJ
fsr-3326	81	5	financial	financial	ADJ
fsr-3326	81	6	advising	advising	NOUN
fsr-3326	81	7	meets	meet	VERB
fsr-3326	81	8	the	the	DET
fsr-3326	81	9	characteristics	characteristic	NOUN
fsr-3326	81	10	of	of	ADP
fsr-3326	81	11	trust	trust	NOUN
fsr-3326	81	12	theory	theory	NOUN
fsr-3326	81	13	.	.	PUNCT
fsr-3326	82	1	first	first	ADV
fsr-3326	82	2	,	,	PUNCT
fsr-3326	82	3	it	it	PRON
fsr-3326	82	4	involves	involve	VERB
fsr-3326	82	5	a	a	DET
fsr-3326	82	6	relationship	relationship	NOUN
fsr-3326	82	7	between	between	ADP
fsr-3326	82	8	a	a	DET
fsr-3326	82	9	person	person	NOUN
fsr-3326	82	10	who	who	PRON
fsr-3326	82	11	trusts	trust	VERB
fsr-3326	82	12	(	(	PUNCT
fsr-3326	82	13	the	the	DET
fsr-3326	82	14	client	client	NOUN
fsr-3326	82	15	)	)	PUNCT
fsr-3326	82	16	and	and	CCONJ
fsr-3326	82	17	a	a	DET
fsr-3326	82	18	person	person	NOUN
fsr-3326	82	19	the	the	DET
fsr-3326	82	20	client	client	NOUN
fsr-3326	82	21	trusts	trust	VERB
fsr-3326	82	22	(	(	PUNCT
fsr-3326	82	23	the	the	DET
fsr-3326	82	24	advisor	advisor	NOUN
fsr-3326	82	25	)	)	PUNCT
fsr-3326	82	26	.	.	PUNCT
fsr-3326	83	1	second	second	ADJ
fsr-3326	83	2	,	,	PUNCT
fsr-3326	83	3	by	by	ADP
fsr-3326	83	4	delegating	delegate	VERB
fsr-3326	83	5	all	all	DET
fsr-3326	83	6	or	or	CCONJ
fsr-3326	83	7	some	some	PRON
fsr-3326	83	8	steps	step	NOUN
fsr-3326	83	9	to	to	ADP
fsr-3326	83	10	the	the	DET
fsr-3326	83	11	advisor	advisor	NOUN
fsr-3326	83	12	,	,	PUNCT
fsr-3326	83	13	the	the	DET
fsr-3326	83	14	client	client	NOUN
fsr-3326	83	15	is	be	AUX
fsr-3326	83	16	de	de	X
fsr-3326	83	17	facto	facto	X
fsr-3326	83	18	taking	take	VERB
fsr-3326	83	19	a	a	DET
fsr-3326	83	20	large	large	ADJ
fsr-3326	83	21	risk	risk	NOUN
fsr-3326	83	22	and	and	CCONJ
fsr-3326	83	23	finds	find	VERB
fsr-3326	83	24	themselves	themselves	PRON
fsr-3326	83	25	in	in	ADP
fsr-3326	83	26	a	a	DET
fsr-3326	83	27	vulnerable	vulnerable	ADJ
fsr-3326	83	28	position	position	NOUN
fsr-3326	83	29	.	.	PUNCT
fsr-3326	84	1	for	for	ADP
fsr-3326	84	2	instance	instance	NOUN
fsr-3326	84	3	,	,	PUNCT
fsr-3326	84	4	at	at	ADP
fsr-3326	84	5	the	the	DET
fsr-3326	84	6	gathering	gathering	NOUN
fsr-3326	84	7	information	information	NOUN
fsr-3326	84	8	,	,	PUNCT
fsr-3326	84	9	analysis	analysis	NOUN
fsr-3326	84	10	,	,	PUNCT
fsr-3326	84	11	and	and	CCONJ
fsr-3326	84	12	recommendation	recommendation	NOUN
fsr-3326	84	13	steps	step	NOUN
fsr-3326	84	14	of	of	ADP
fsr-3326	84	15	the	the	DET
fsr-3326	84	16	financial	financial	ADJ
fsr-3326	84	17	advising	advising	NOUN
fsr-3326	84	18	process	process	NOUN
fsr-3326	84	19	,	,	PUNCT
fsr-3326	84	20	the	the	DET
fsr-3326	84	21	client	client	NOUN
fsr-3326	84	22	must	must	AUX
fsr-3326	84	23	let	let	VERB
fsr-3326	84	24	the	the	DET
fsr-3326	84	25	advisor	advisor	NOUN
fsr-3326	84	26	take	take	VERB
fsr-3326	84	27	actions	action	NOUN
fsr-3326	84	28	that	that	PRON
fsr-3326	84	29	not	not	PART
fsr-3326	84	30	only	only	ADV
fsr-3326	84	31	influence	influence	VERB
fsr-3326	84	32	their	their	PRON
fsr-3326	84	33	financial	financial	ADJ
fsr-3326	84	34	outcomes	outcome	NOUN
fsr-3326	84	35	,	,	PUNCT
fsr-3326	84	36	but	but	CCONJ
fsr-3326	84	37	whose	whose	DET
fsr-3326	84	38	accuracy	accuracy	NOUN
fsr-3326	84	39	can	can	AUX
fsr-3326	84	40	not	not	PART
fsr-3326	84	41	be	be	AUX
fsr-3326	84	42	fully	fully	ADV
fsr-3326	84	43	assessed	assess	VERB
fsr-3326	84	44	.	.	PUNCT
fsr-3326	85	1	the	the	DET
fsr-3326	85	2	concept	concept	NOUN
fsr-3326	85	3	of	of	ADP
fsr-3326	85	4	knowledge	knowledge	NOUN
fsr-3326	85	5	three	three	NUM
fsr-3326	85	6	types	type	NOUN
fsr-3326	85	7	of	of	ADP
fsr-3326	85	8	knowledge	knowledge	NOUN
fsr-3326	85	9	are	be	AUX
fsr-3326	85	10	widely	widely	ADV
fsr-3326	85	11	recognized	recognize	VERB
fsr-3326	85	12	(	(	PUNCT
fsr-3326	85	13	paris	paris	PROPN
fsr-3326	85	14	et	et	PROPN
fsr-3326	85	15	al	al	PROPN
fsr-3326	85	16	.	.	PROPN
fsr-3326	85	17	,	,	PUNCT
fsr-3326	85	18	1983	1983	NUM
fsr-3326	85	19	)	)	PUNCT
fsr-3326	85	20	.	.	PUNCT
fsr-3326	86	1	first	first	ADV
fsr-3326	86	2	,	,	PUNCT
fsr-3326	86	3	declarative	declarative	ADJ
fsr-3326	86	4	knowledge	knowledge	NOUN
fsr-3326	86	5	(	(	PUNCT
fsr-3326	86	6	“	"	PUNCT
fsr-3326	86	7	know	know	VERB
fsr-3326	86	8	what	what	PRON
fsr-3326	86	9	”	"	PUNCT
fsr-3326	86	10	)	)	PUNCT
fsr-3326	86	11	is	be	AUX
fsr-3326	86	12	the	the	DET
fsr-3326	86	13	accumulation	accumulation	NOUN
fsr-3326	86	14	of	of	ADP
fsr-3326	86	15	concepts	concept	NOUN
fsr-3326	86	16	,	,	PUNCT
fsr-3326	86	17	facts	fact	NOUN
fsr-3326	86	18	,	,	PUNCT
fsr-3326	86	19	rules	rule	NOUN
fsr-3326	86	20	,	,	PUNCT
fsr-3326	86	21	laws	law	NOUN
fsr-3326	86	22	,	,	PUNCT
fsr-3326	86	23	and	and	CCONJ
fsr-3326	86	24	principles	principle	NOUN
fsr-3326	86	25	(	(	PUNCT
fsr-3326	86	26	anderson	anderson	PROPN
fsr-3326	86	27	,	,	PUNCT
fsr-3326	86	28	1982	1982	NUM
fsr-3326	86	29	,	,	PUNCT
fsr-3326	86	30	1983	1983	NUM
fsr-3326	86	31	;	;	PUNCT
fsr-3326	86	32	gupta	gupta	PROPN
fsr-3326	86	33	&	&	CCONJ
fsr-3326	86	34	cohen	cohen	PROPN
fsr-3326	86	35	,	,	PUNCT
fsr-3326	86	36	2002	2002	NUM
fsr-3326	86	37	;	;	PUNCT
fsr-3326	86	38	paris	paris	PROPN
fsr-3326	86	39	et	et	PROPN
fsr-3326	86	40	al	al	PROPN
fsr-3326	86	41	.	.	PROPN
fsr-3326	86	42	,	,	PUNCT
fsr-3326	86	43	1983	1983	NUM
fsr-3326	86	44	)	)	PUNCT
fsr-3326	86	45	.	.	PUNCT
fsr-3326	87	1	tardif	tardif	PROPN
fsr-3326	87	2	(	(	PUNCT
fsr-3326	87	3	1992	1992	NUM
fsr-3326	87	4	)	)	PUNCT
fsr-3326	87	5	considers	consider	VERB
fsr-3326	87	6	declarative	declarative	ADJ
fsr-3326	87	7	knowledge	knowledge	NOUN
fsr-3326	87	8	as	as	ADP
fsr-3326	87	9	fundamentally	fundamentally	ADV
fsr-3326	87	10	static	static	ADJ
fsr-3326	87	11	,	,	PUNCT
fsr-3326	87	12	rather	rather	ADV
fsr-3326	87	13	than	than	ADP
fsr-3326	87	14	dynamic	dynamic	ADJ
fsr-3326	87	15	,	,	PUNCT
fsr-3326	87	16	and	and	CCONJ
fsr-3326	87	17	$	$	SYM
fsr-3326	87	18	102	102	NUM
fsr-3326	87	19	;	;	PUNCT
fsr-3326	87	20	exactly	exactly	ADV
fsr-3326	87	21	$	$	SYM
fsr-3326	87	22	102	102	NUM
fsr-3326	87	23	;	;	PUNCT
fsr-3326	87	24	less	less	ADJ
fsr-3326	87	25	than	than	ADP
fsr-3326	87	26	$	$	SYM
fsr-3326	87	27	102	102	NUM
fsr-3326	87	28	;	;	PUNCT
fsr-3326	87	29	do	do	AUX
fsr-3326	87	30	n’t	not	PART
fsr-3326	87	31	know	know	VERB
fsr-3326	87	32	”	"	PUNCT
fsr-3326	87	33	;	;	PUNCT
fsr-3326	87	34	question	question	NOUN
fsr-3326	87	35	2	2	NUM
fsr-3326	87	36	,	,	PUNCT
fsr-3326	87	37	on	on	ADP
fsr-3326	87	38	inflation	inflation	NOUN
fsr-3326	87	39	:	:	PUNCT
fsr-3326	87	40	“	"	PUNCT
fsr-3326	87	41	imagine	imagine	VERB
fsr-3326	87	42	that	that	SCONJ
fsr-3326	87	43	the	the	DET
fsr-3326	87	44	interest	interest	NOUN
fsr-3326	87	45	rate	rate	NOUN
fsr-3326	87	46	on	on	ADP
fsr-3326	87	47	your	your	PRON
fsr-3326	87	48	savings	saving	NOUN
fsr-3326	87	49	account	account	NOUN
fsr-3326	87	50	was	be	AUX
fsr-3326	87	51	1	1	NUM
fsr-3326	87	52	%	%	NOUN
fsr-3326	87	53	per	per	ADP
fsr-3326	87	54	year	year	NOUN
fsr-3326	87	55	and	and	CCONJ
fsr-3326	87	56	inflation	inflation	NOUN
fsr-3326	87	57	was	be	AUX
fsr-3326	87	58	2	2	NUM
fsr-3326	87	59	%	%	NOUN
fsr-3326	87	60	per	per	ADP
fsr-3326	87	61	year	year	NOUN
fsr-3326	87	62	.	.	PUNCT
fsr-3326	88	1	after	after	ADP
fsr-3326	88	2	one	one	NUM
fsr-3326	88	3	year	year	NOUN
fsr-3326	88	4	,	,	PUNCT
fsr-3326	88	5	how	how	SCONJ
fsr-3326	88	6	much	much	ADJ
fsr-3326	88	7	would	would	AUX
fsr-3326	88	8	you	you	PRON
fsr-3326	88	9	be	be	AUX
fsr-3326	88	10	able	able	ADJ
fsr-3326	88	11	to	to	PART
fsr-3326	88	12	buy	buy	VERB
fsr-3326	88	13	with	with	ADP
fsr-3326	88	14	the	the	DET
fsr-3326	88	15	money	money	NOUN
fsr-3326	88	16	in	in	ADP
fsr-3326	88	17	this	this	DET
fsr-3326	88	18	account	account	NOUN
fsr-3326	88	19	?	?	PUNCT
fsr-3326	89	1	more	more	ADJ
fsr-3326	89	2	than	than	ADP
fsr-3326	89	3	today	today	NOUN
fsr-3326	89	4	;	;	PUNCT
fsr-3326	89	5	exactly	exactly	ADV
fsr-3326	89	6	the	the	DET
fsr-3326	89	7	same	same	ADJ
fsr-3326	89	8	;	;	PUNCT
fsr-3326	89	9	less	less	ADJ
fsr-3326	89	10	than	than	ADP
fsr-3326	89	11	today	today	NOUN
fsr-3326	89	12	;	;	PUNCT
fsr-3326	89	13	do	do	AUX
fsr-3326	89	14	n’t	not	PART
fsr-3326	89	15	know	know	VERB
fsr-3326	89	16	;	;	PUNCT
fsr-3326	89	17	”	"	PUNCT
fsr-3326	89	18	and	and	CCONJ
fsr-3326	89	19	question	question	NOUN
fsr-3326	89	20	3	3	NUM
fsr-3326	89	21	,	,	PUNCT
fsr-3326	89	22	on	on	ADP
fsr-3326	89	23	diversification	diversification	NOUN
fsr-3326	89	24	:	:	PUNCT
fsr-3326	89	25	“	"	PUNCT
fsr-3326	89	26	is	be	AUX
fsr-3326	89	27	the	the	DET
fsr-3326	89	28	following	follow	VERB
fsr-3326	89	29	statement	statement	NOUN
fsr-3326	89	30	true	true	ADJ
fsr-3326	89	31	or	or	CCONJ
fsr-3326	89	32	false	false	ADJ
fsr-3326	89	33	?	?	PUNCT
fsr-3326	90	1	buying	buy	VERB
fsr-3326	90	2	a	a	DET
fsr-3326	90	3	single	single	ADJ
fsr-3326	90	4	company	company	NOUN
fsr-3326	90	5	’s	’s	PART
fsr-3326	90	6	stock	stock	NOUN
fsr-3326	90	7	usually	usually	ADV
fsr-3326	90	8	provides	provide	VERB
fsr-3326	90	9	a	a	DET
fsr-3326	90	10	safer	safe	ADJ
fsr-3326	90	11	return	return	NOUN
fsr-3326	90	12	than	than	ADP
fsr-3326	90	13	a	a	DET
fsr-3326	90	14	stock	stock	NOUN
fsr-3326	90	15	mutual	mutual	ADJ
fsr-3326	90	16	fund	fund	NOUN
fsr-3326	90	17	.	.	PUNCT
fsr-3326	91	1	true	true	ADJ
fsr-3326	91	2	;	;	PUNCT
fsr-3326	91	3	false	false	ADJ
fsr-3326	91	4	;	;	PUNCT
fsr-3326	91	5	do	do	AUX
fsr-3326	91	6	n’t	not	PART
fsr-3326	91	7	know	know	VERB
fsr-3326	91	8	.	.	PUNCT
fsr-3326	91	9	”	"	PUNCT
fsr-3326	92	1	pilote	pilote	PROPN
fsr-3326	92	2	et	et	PROPN
fsr-3326	92	3	al	al	PROPN
fsr-3326	92	4	.	.	PROPN
fsr-3326	92	5	36	36	NUM
fsr-3326	92	6	thus	thus	ADV
fsr-3326	92	7	must	must	AUX
fsr-3326	92	8	be	be	AUX
fsr-3326	92	9	translated	translate	VERB
fsr-3326	92	10	into	into	ADP
fsr-3326	92	11	procedural	procedural	ADJ
fsr-3326	92	12	or	or	CCONJ
fsr-3326	92	13	conditional	conditional	ADJ
fsr-3326	92	14	knowledge	knowledge	NOUN
fsr-3326	92	15	to	to	PART
fsr-3326	92	16	enable	enable	VERB
fsr-3326	92	17	action	action	NOUN
fsr-3326	92	18	.	.	PUNCT
fsr-3326	93	1	second	second	ADJ
fsr-3326	93	2	,	,	PUNCT
fsr-3326	93	3	procedural	procedural	ADJ
fsr-3326	93	4	knowledge	knowledge	NOUN
fsr-3326	93	5	(	(	PUNCT
fsr-3326	93	6	“	"	PUNCT
fsr-3326	93	7	know	know	VERB
fsr-3326	93	8	how	how	SCONJ
fsr-3326	93	9	”	"	PUNCT
fsr-3326	93	10	)	)	PUNCT
fsr-3326	93	11	relates	relate	VERB
fsr-3326	93	12	to	to	ADP
fsr-3326	93	13	the	the	DET
fsr-3326	93	14	steps	step	NOUN
fsr-3326	93	15	and	and	CCONJ
fsr-3326	93	16	procedure	procedure	NOUN
fsr-3326	93	17	followed	follow	VERB
fsr-3326	93	18	to	to	PART
fsr-3326	93	19	carry	carry	VERB
fsr-3326	93	20	out	out	ADP
fsr-3326	93	21	an	an	DET
fsr-3326	93	22	action	action	NOUN
fsr-3326	93	23	(	(	PUNCT
fsr-3326	93	24	tardif	tardif	PROPN
fsr-3326	93	25	,	,	PUNCT
fsr-3326	93	26	1992	1992	NUM
fsr-3326	93	27	)	)	PUNCT
fsr-3326	93	28	.	.	PUNCT
fsr-3326	94	1	but	but	CCONJ
fsr-3326	94	2	,	,	PUNCT
fsr-3326	94	3	as	as	SCONJ
fsr-3326	94	4	anderson	anderson	PROPN
fsr-3326	94	5	(	(	PUNCT
fsr-3326	94	6	1982	1982	NUM
fsr-3326	94	7	)	)	PUNCT
fsr-3326	94	8	points	point	VERB
fsr-3326	94	9	out	out	ADP
fsr-3326	94	10	,	,	PUNCT
fsr-3326	94	11	declarative	declarative	ADJ
fsr-3326	94	12	knowledge	knowledge	NOUN
fsr-3326	94	13	is	be	AUX
fsr-3326	94	14	necessary	necessary	ADJ
fsr-3326	94	15	to	to	PART
fsr-3326	94	16	implement	implement	VERB
fsr-3326	94	17	procedural	procedural	ADJ
fsr-3326	94	18	knowledge	knowledge	NOUN
fsr-3326	94	19	,	,	PUNCT
fsr-3326	94	20	as	as	SCONJ
fsr-3326	94	21	it	it	PRON
fsr-3326	94	22	would	would	AUX
fsr-3326	94	23	not	not	PART
fsr-3326	94	24	be	be	AUX
fsr-3326	94	25	useful	useful	ADJ
fsr-3326	94	26	to	to	PART
fsr-3326	94	27	know	know	VERB
fsr-3326	94	28	“	"	PUNCT
fsr-3326	94	29	how	how	SCONJ
fsr-3326	94	30	to	to	PART
fsr-3326	94	31	do	do	VERB
fsr-3326	94	32	”	"	PUNCT
fsr-3326	94	33	if	if	SCONJ
fsr-3326	94	34	one	one	PRON
fsr-3326	94	35	does	do	AUX
fsr-3326	94	36	not	not	PART
fsr-3326	94	37	know	know	VERB
fsr-3326	94	38	“	"	PUNCT
fsr-3326	94	39	what	what	PRON
fsr-3326	94	40	to	to	PART
fsr-3326	94	41	do	do	VERB
fsr-3326	94	42	.	.	PUNCT
fsr-3326	94	43	”	"	PUNCT
fsr-3326	95	1	third	third	ADJ
fsr-3326	95	2	,	,	PUNCT
fsr-3326	95	3	conditional	conditional	ADJ
fsr-3326	95	4	knowledge	knowledge	NOUN
fsr-3326	95	5	(	(	PUNCT
fsr-3326	95	6	“	"	PUNCT
fsr-3326	95	7	know	know	VERB
fsr-3326	95	8	when	when	SCONJ
fsr-3326	95	9	and	and	CCONJ
fsr-3326	95	10	why	why	SCONJ
fsr-3326	95	11	”	"	PUNCT
fsr-3326	95	12	)	)	PUNCT
fsr-3326	95	13	refers	refer	VERB
fsr-3326	95	14	to	to	ADP
fsr-3326	95	15	the	the	DET
fsr-3326	95	16	conditions	condition	NOUN
fsr-3326	95	17	surrounding	surround	VERB
fsr-3326	95	18	the	the	DET
fsr-3326	95	19	action	action	NOUN
fsr-3326	95	20	(	(	PUNCT
fsr-3326	95	21	schunk	schunk	NOUN
fsr-3326	95	22	,	,	PUNCT
fsr-3326	95	23	2012	2012	NUM
fsr-3326	95	24	;	;	PUNCT
fsr-3326	95	25	tardif	tardif	PROPN
fsr-3326	95	26	,	,	PUNCT
fsr-3326	95	27	1992	1992	NUM
fsr-3326	95	28	)	)	PUNCT
fsr-3326	95	29	.	.	PUNCT
fsr-3326	96	1	for	for	ADP
fsr-3326	96	2	instance	instance	NOUN
fsr-3326	96	3	,	,	PUNCT
fsr-3326	96	4	when	when	SCONJ
fsr-3326	96	5	and	and	CCONJ
fsr-3326	96	6	in	in	ADP
fsr-3326	96	7	what	what	DET
fsr-3326	96	8	context	context	NOUN
fsr-3326	96	9	is	be	AUX
fsr-3326	96	10	it	it	PRON
fsr-3326	96	11	appropriate	appropriate	ADJ
fsr-3326	96	12	to	to	PART
fsr-3326	96	13	use	use	VERB
fsr-3326	96	14	a	a	DET
fsr-3326	96	15	specific	specific	ADJ
fsr-3326	96	16	strategy	strategy	NOUN
fsr-3326	96	17	,	,	PUNCT
fsr-3326	96	18	to	to	PART
fsr-3326	96	19	favor	favor	VERB
fsr-3326	96	20	this	this	PRON
fsr-3326	96	21	or	or	CCONJ
fsr-3326	96	22	that	that	DET
fsr-3326	96	23	approach	approach	NOUN
fsr-3326	96	24	,	,	PUNCT
fsr-3326	96	25	or	or	CCONJ
fsr-3326	96	26	to	to	PART
fsr-3326	96	27	take	take	VERB
fsr-3326	96	28	this	this	PRON
fsr-3326	96	29	or	or	CCONJ
fsr-3326	96	30	that	that	DET
fsr-3326	96	31	action	action	NOUN
fsr-3326	96	32	?	?	PUNCT
fsr-3326	97	1	gaining	gain	VERB
fsr-3326	97	2	an	an	DET
fsr-3326	97	3	understanding	understanding	NOUN
fsr-3326	97	4	of	of	ADP
fsr-3326	97	5	“	"	PUNCT
fsr-3326	97	6	what	what	PRON
fsr-3326	97	7	,	,	PUNCT
fsr-3326	97	8	how	how	SCONJ
fsr-3326	97	9	,	,	PUNCT
fsr-3326	97	10	when	when	SCONJ
fsr-3326	97	11	,	,	PUNCT
fsr-3326	97	12	and	and	CCONJ
fsr-3326	97	13	why	why	SCONJ
fsr-3326	97	14	,	,	PUNCT
fsr-3326	97	15	”	"	PUNCT
fsr-3326	97	16	based	base	VERB
fsr-3326	97	17	on	on	ADP
fsr-3326	97	18	declarative	declarative	ADJ
fsr-3326	97	19	and	and	CCONJ
fsr-3326	97	20	procedural	procedural	ADJ
fsr-3326	97	21	knowledge	knowledge	NOUN
fsr-3326	97	22	,	,	PUNCT
fsr-3326	97	23	positions	position	NOUN
fsr-3326	97	24	conditional	conditional	ADJ
fsr-3326	97	25	knowledge	knowledge	NOUN
fsr-3326	97	26	at	at	ADP
fsr-3326	97	27	the	the	DET
fsr-3326	97	28	top	top	NOUN
fsr-3326	97	29	of	of	ADP
fsr-3326	97	30	the	the	DET
fsr-3326	97	31	knowledge	knowledge	NOUN
fsr-3326	97	32	pyramid	pyramid	PROPN
fsr-3326	97	33	.	.	PUNCT
fsr-3326	98	1	knowledge	knowledge	NOUN
fsr-3326	98	2	may	may	AUX
fsr-3326	98	3	also	also	ADV
fsr-3326	98	4	be	be	AUX
fsr-3326	98	5	viewed	view	VERB
fsr-3326	98	6	as	as	ADP
fsr-3326	98	7	domainspecific	domainspecific	NOUN
fsr-3326	98	8	or	or	CCONJ
fsr-3326	98	9	general	general	ADJ
fsr-3326	98	10	(	(	PUNCT
fsr-3326	98	11	perkins	perkins	PROPN
fsr-3326	98	12	&	&	CCONJ
fsr-3326	98	13	salomon	salomon	PROPN
fsr-3326	98	14	,	,	PUNCT
fsr-3326	98	15	1989	1989	NUM
fsr-3326	98	16	;	;	PUNCT
fsr-3326	98	17	schunk	schunk	NOUN
fsr-3326	98	18	,	,	PUNCT
fsr-3326	98	19	2012	2012	NUM
fsr-3326	98	20	)	)	PUNCT
fsr-3326	98	21	.	.	PUNCT
fsr-3326	99	1	specific	specific	ADJ
fsr-3326	99	2	knowledge	knowledge	NOUN
fsr-3326	99	3	applies	apply	VERB
fsr-3326	99	4	to	to	ADP
fsr-3326	99	5	explicit	explicit	ADJ
fsr-3326	99	6	domains	domain	NOUN
fsr-3326	99	7	and	and	CCONJ
fsr-3326	99	8	is	be	AUX
fsr-3326	99	9	of	of	ADP
fsr-3326	99	10	more	more	ADV
fsr-3326	99	11	limited	limited	ADJ
fsr-3326	99	12	use	use	NOUN
fsr-3326	99	13	,	,	PUNCT
fsr-3326	99	14	while	while	SCONJ
fsr-3326	99	15	general	general	ADJ
fsr-3326	99	16	knowledge	knowledge	NOUN
fsr-3326	99	17	refers	refer	VERB
fsr-3326	99	18	to	to	ADP
fsr-3326	99	19	skills	skill	NOUN
fsr-3326	99	20	like	like	ADP
fsr-3326	99	21	reading	reading	NOUN
fsr-3326	99	22	and	and	CCONJ
fsr-3326	99	23	writing	writing	NOUN
fsr-3326	99	24	,	,	PUNCT
fsr-3326	99	25	transcending	transcend	VERB
fsr-3326	99	26	disciplinary	disciplinary	ADJ
fsr-3326	99	27	fields	field	NOUN
fsr-3326	99	28	and	and	CCONJ
fsr-3326	99	29	extending	extend	VERB
fsr-3326	99	30	to	to	ADP
fsr-3326	99	31	many	many	ADJ
fsr-3326	99	32	domains	domain	NOUN
fsr-3326	99	33	and	and	CCONJ
fsr-3326	99	34	situations	situation	NOUN
fsr-3326	99	35	(	(	PUNCT
fsr-3326	99	36	perkins	perkins	PROPN
fsr-3326	99	37	&	&	CCONJ
fsr-3326	99	38	salomon	salomon	PROPN
fsr-3326	99	39	,	,	PUNCT
fsr-3326	99	40	1989	1989	NUM
fsr-3326	99	41	;	;	PUNCT
fsr-3326	99	42	schunk	schunk	NOUN
fsr-3326	99	43	,	,	PUNCT
fsr-3326	99	44	2012	2012	NUM
fsr-3326	99	45	)	)	PUNCT
fsr-3326	99	46	.	.	PUNCT
fsr-3326	100	1	researchers	researcher	NOUN
fsr-3326	100	2	agree	agree	VERB
fsr-3326	100	3	that	that	SCONJ
fsr-3326	100	4	solving	solve	VERB
fsr-3326	100	5	a	a	DET
fsr-3326	100	6	given	give	VERB
fsr-3326	100	7	problem	problem	NOUN
fsr-3326	100	8	requires	require	VERB
fsr-3326	100	9	both	both	CCONJ
fsr-3326	100	10	specific	specific	ADJ
fsr-3326	100	11	and	and	CCONJ
fsr-3326	100	12	general	general	ADJ
fsr-3326	100	13	knowledge	knowledge	NOUN
fsr-3326	100	14	.	.	PUNCT
fsr-3326	101	1	further	far	ADV
fsr-3326	101	2	,	,	PUNCT
fsr-3326	101	3	domain	domain	NOUN
fsr-3326	101	4	-	-	PUNCT
fsr-3326	101	5	specific	specific	ADJ
fsr-3326	101	6	and	and	CCONJ
fsr-3326	101	7	general	general	ADJ
fsr-3326	101	8	knowledge	knowledge	NOUN
fsr-3326	101	9	do	do	AUX
fsr-3326	101	10	not	not	PART
fsr-3326	101	11	add	add	VERB
fsr-3326	101	12	to	to	ADP
fsr-3326	101	13	the	the	DET
fsr-3326	101	14	three	three	NUM
fsr-3326	101	15	categories	category	NOUN
fsr-3326	101	16	presented	present	VERB
fsr-3326	101	17	above	above	ADV
fsr-3326	101	18	,	,	PUNCT
fsr-3326	101	19	but	but	CCONJ
fsr-3326	101	20	rather	rather	ADV
fsr-3326	101	21	complement	complement	VERB
fsr-3326	101	22	them	they	PRON
fsr-3326	101	23	(	(	PUNCT
fsr-3326	101	24	tardif	tardif	PROPN
fsr-3326	101	25	,	,	PUNCT
fsr-3326	101	26	1992	1992	NUM
fsr-3326	101	27	)	)	PUNCT
fsr-3326	101	28	.	.	PUNCT
fsr-3326	102	1	when	when	SCONJ
fsr-3326	102	2	it	it	PRON
fsr-3326	102	3	comes	come	VERB
fsr-3326	102	4	to	to	ADP
fsr-3326	102	5	financial	financial	ADJ
fsr-3326	102	6	advising	advising	NOUN
fsr-3326	102	7	,	,	PUNCT
fsr-3326	102	8	individuals	individual	NOUN
fsr-3326	102	9	who	who	PRON
fsr-3326	102	10	deal	deal	VERB
fsr-3326	102	11	with	with	ADP
fsr-3326	102	12	an	an	DET
fsr-3326	102	13	advisor	advisor	NOUN
fsr-3326	102	14	do	do	VERB
fsr-3326	102	15	so	so	ADV
fsr-3326	102	16	on	on	ADP
fsr-3326	102	17	the	the	DET
fsr-3326	102	18	premise	premise	NOUN
fsr-3326	102	19	that	that	SCONJ
fsr-3326	102	20	,	,	PUNCT
fsr-3326	102	21	due	due	ADP
fsr-3326	102	22	to	to	ADP
fsr-3326	102	23	their	their	PRON
fsr-3326	102	24	cumulative	cumulative	ADJ
fsr-3326	102	25	general	general	ADJ
fsr-3326	102	26	and	and	CCONJ
fsr-3326	102	27	specific	specific	ADJ
fsr-3326	102	28	knowledge	knowledge	NOUN
fsr-3326	102	29	,	,	PUNCT
fsr-3326	102	30	the	the	DET
fsr-3326	102	31	advisor	advisor	NOUN
fsr-3326	102	32	will	will	AUX
fsr-3326	102	33	add	add	VERB
fsr-3326	102	34	value	value	NOUN
fsr-3326	102	35	to	to	ADP
fsr-3326	102	36	their	their	PRON
fsr-3326	102	37	outcomes	outcome	NOUN
fsr-3326	102	38	(	(	PUNCT
fsr-3326	102	39	sweeney	sweeney	PROPN
fsr-3326	102	40	et	et	PROPN
fsr-3326	102	41	al	al	PROPN
fsr-3326	102	42	.	.	PROPN
fsr-3326	102	43	,	,	PUNCT
fsr-3326	102	44	2018	2018	NUM
fsr-3326	102	45	)	)	PUNCT
fsr-3326	102	46	.	.	PUNCT
fsr-3326	103	1	financial	financial	ADJ
fsr-3326	103	2	advisors	advisor	NOUN
fsr-3326	103	3	possess	possess	VERB
fsr-3326	103	4	higher	high	ADJ
fsr-3326	103	5	levels	level	NOUN
fsr-3326	103	6	of	of	ADP
fsr-3326	103	7	financial	financial	ADJ
fsr-3326	103	8	literacy	literacy	NOUN
fsr-3326	103	9	knowledge	knowledge	NOUN
fsr-3326	103	10	than	than	ADP
fsr-3326	103	11	individuals	individual	NOUN
fsr-3326	103	12	(	(	PUNCT
fsr-3326	103	13	azamian	azamian	PROPN
fsr-3326	103	14	et	et	PROPN
fsr-3326	103	15	al	al	PROPN
fsr-3326	103	16	.	.	PROPN
fsr-3326	103	17	,	,	PUNCT
fsr-3326	103	18	2022	2022	NUM
fsr-3326	103	19	)	)	PUNCT
fsr-3326	103	20	,	,	PUNCT
fsr-3326	103	21	are	be	AUX
fsr-3326	103	22	more	more	ADV
fsr-3326	103	23	analytical	analytical	ADJ
fsr-3326	103	24	(	(	PUNCT
fsr-3326	103	25	nofsinger	nofsinger	PROPN
fsr-3326	103	26	&	&	CCONJ
fsr-3326	103	27	varma	varma	PROPN
fsr-3326	103	28	,	,	PUNCT
fsr-3326	103	29	2007	2007	NUM
fsr-3326	103	30	)	)	PUNCT
fsr-3326	103	31	,	,	PUNCT
fsr-3326	103	32	and	and	CCONJ
fsr-3326	103	33	rely	rely	VERB
fsr-3326	103	34	on	on	ADP
fsr-3326	103	35	an	an	DET
fsr-3326	103	36	established	establish	VERB
fsr-3326	103	37	problem	problem	NOUN
fsr-3326	103	38	-	-	PUNCT
fsr-3326	103	39	solving	solve	VERB
fsr-3326	103	40	approach	approach	NOUN
fsr-3326	103	41	(	(	PUNCT
fsr-3326	103	42	hershey	hershey	PROPN
fsr-3326	103	43	et	et	PROPN
fsr-3326	103	44	al	al	PROPN
fsr-3326	103	45	.	.	PROPN
fsr-3326	103	46	,	,	PUNCT
fsr-3326	103	47	1990	1990	NUM
fsr-3326	103	48	)	)	PUNCT
fsr-3326	103	49	.	.	PUNCT
fsr-3326	104	1	furthermore	furthermore	ADV
fsr-3326	104	2	,	,	PUNCT
fsr-3326	104	3	the	the	DET
fsr-3326	104	4	understanding	understanding	NOUN
fsr-3326	104	5	acquired	acquire	VERB
fsr-3326	104	6	by	by	ADP
fsr-3326	104	7	financial	financial	ADJ
fsr-3326	104	8	advisors	advisor	NOUN
fsr-3326	104	9	encompasses	encompass	VERB
fsr-3326	104	10	all	all	DET
fsr-3326	104	11	kinds	kind	NOUN
fsr-3326	104	12	of	of	ADP
fsr-3326	104	13	knowledge	knowledge	NOUN
fsr-3326	104	14	(	(	PUNCT
fsr-3326	104	15	declarative	declarative	NOUN
fsr-3326	104	16	,	,	PUNCT
fsr-3326	104	17	procedural	procedural	ADJ
fsr-3326	104	18	,	,	PUNCT
fsr-3326	104	19	and	and	CCONJ
fsr-3326	104	20	conditional	conditional	ADJ
fsr-3326	104	21	)	)	PUNCT
fsr-3326	104	22	,	,	PUNCT
fsr-3326	104	23	namely	namely	ADV
fsr-3326	104	24	,	,	PUNCT
fsr-3326	104	25	the	the	DET
fsr-3326	104	26	“	"	PUNCT
fsr-3326	104	27	what	what	PRON
fsr-3326	104	28	,	,	PUNCT
fsr-3326	104	29	how	how	SCONJ
fsr-3326	104	30	,	,	PUNCT
fsr-3326	104	31	when	when	SCONJ
fsr-3326	104	32	,	,	PUNCT
fsr-3326	104	33	and	and	CCONJ
fsr-3326	104	34	10	10	NUM
fsr-3326	104	35	at	at	ADP
fsr-3326	104	36	this	this	DET
fsr-3326	104	37	point	point	NOUN
fsr-3326	104	38	,	,	PUNCT
fsr-3326	104	39	an	an	DET
fsr-3326	104	40	article	article	NOUN
fsr-3326	104	41	can	can	AUX
fsr-3326	104	42	be	be	AUX
fsr-3326	104	43	counted	count	VERB
fsr-3326	104	44	more	more	ADJ
fsr-3326	104	45	than	than	ADP
fsr-3326	104	46	once	once	ADV
fsr-3326	104	47	if	if	SCONJ
fsr-3326	104	48	it	it	PRON
fsr-3326	104	49	appears	appear	VERB
fsr-3326	104	50	in	in	ADP
fsr-3326	104	51	more	more	ADJ
fsr-3326	104	52	than	than	ADP
fsr-3326	104	53	one	one	NUM
fsr-3326	104	54	database	database	NOUN
fsr-3326	104	55	.	.	PUNCT
fsr-3326	105	1	why	why	SCONJ
fsr-3326	105	2	.	.	PUNCT
fsr-3326	105	3	”	"	PUNCT
fsr-3326	106	1	a	a	DET
fsr-3326	106	2	large	large	ADJ
fsr-3326	106	3	majority	majority	NOUN
fsr-3326	106	4	of	of	ADP
fsr-3326	106	5	individuals	individual	NOUN
fsr-3326	106	6	do	do	AUX
fsr-3326	106	7	not	not	PART
fsr-3326	106	8	have	have	VERB
fsr-3326	106	9	such	such	DET
fsr-3326	106	10	an	an	DET
fsr-3326	106	11	advanced	advanced	ADJ
fsr-3326	106	12	level	level	NOUN
fsr-3326	106	13	of	of	ADP
fsr-3326	106	14	personal	personal	ADJ
fsr-3326	106	15	finance	finance	NOUN
fsr-3326	106	16	knowledge	knowledge	NOUN
fsr-3326	106	17	.	.	PUNCT
fsr-3326	107	1	in	in	ADP
fsr-3326	107	2	other	other	ADJ
fsr-3326	107	3	words	word	NOUN
fsr-3326	107	4	,	,	PUNCT
fsr-3326	107	5	due	due	ADP
fsr-3326	107	6	to	to	ADP
fsr-3326	107	7	their	their	PRON
fsr-3326	107	8	lack	lack	NOUN
fsr-3326	107	9	of	of	ADP
fsr-3326	107	10	knowledge	knowledge	NOUN
fsr-3326	107	11	,	,	PUNCT
fsr-3326	107	12	individuals	individual	NOUN
fsr-3326	107	13	are	be	AUX
fsr-3326	107	14	very	very	ADV
fsr-3326	107	15	unlikely	unlikely	ADJ
fsr-3326	107	16	to	to	PART
fsr-3326	107	17	be	be	AUX
fsr-3326	107	18	able	able	ADJ
fsr-3326	107	19	to	to	PART
fsr-3326	107	20	adequately	adequately	ADV
fsr-3326	107	21	manage	manage	VERB
fsr-3326	107	22	their	their	PRON
fsr-3326	107	23	personal	personal	ADJ
fsr-3326	107	24	finances	finance	NOUN
fsr-3326	107	25	,	,	PUNCT
fsr-3326	107	26	and	and	CCONJ
fsr-3326	107	27	more	more	ADV
fsr-3326	107	28	specifically	specifically	ADV
fsr-3326	107	29	when	when	SCONJ
fsr-3326	107	30	compared	compare	VERB
fsr-3326	107	31	to	to	ADP
fsr-3326	107	32	financial	financial	ADJ
fsr-3326	107	33	advisors	advisor	NOUN
fsr-3326	107	34	.	.	PUNCT
fsr-3326	108	1	method	method	NOUN
fsr-3326	108	2	based	base	VERB
fsr-3326	108	3	upon	upon	SCONJ
fsr-3326	108	4	a	a	DET
fsr-3326	108	5	literature	literature	NOUN
fsr-3326	108	6	review	review	NOUN
fsr-3326	108	7	,	,	PUNCT
fsr-3326	108	8	we	we	PRON
fsr-3326	108	9	developed	develop	VERB
fsr-3326	108	10	a	a	DET
fsr-3326	108	11	theory	theory	NOUN
fsr-3326	108	12	-	-	PUNCT
fsr-3326	108	13	grounded	ground	VERB
fsr-3326	108	14	integrative	integrative	ADJ
fsr-3326	108	15	model	model	NOUN
fsr-3326	108	16	showing	show	VERB
fsr-3326	108	17	the	the	DET
fsr-3326	108	18	impact	impact	NOUN
fsr-3326	108	19	of	of	ADP
fsr-3326	108	20	the	the	DET
fsr-3326	108	21	financial	financial	ADJ
fsr-3326	108	22	advisor	advisor	NOUN
fsr-3326	108	23	on	on	ADP
fsr-3326	108	24	their	their	PRON
fsr-3326	108	25	clients	client	NOUN
fsr-3326	108	26	’	’	PART
fsr-3326	108	27	financial	financial	ADJ
fsr-3326	108	28	outcomes	outcome	NOUN
fsr-3326	108	29	.	.	PUNCT
fsr-3326	109	1	our	our	PRON
fsr-3326	109	2	choice	choice	NOUN
fsr-3326	109	3	of	of	ADP
fsr-3326	109	4	a	a	DET
fsr-3326	109	5	theoretical	theoretical	ADJ
fsr-3326	109	6	review	review	NOUN
fsr-3326	109	7	rests	rest	VERB
fsr-3326	109	8	on	on	ADP
fsr-3326	109	9	the	the	DET
fsr-3326	109	10	following	follow	VERB
fsr-3326	109	11	premises	premise	NOUN
fsr-3326	109	12	.	.	PUNCT
fsr-3326	110	1	first	first	ADV
fsr-3326	110	2	,	,	PUNCT
fsr-3326	110	3	from	from	ADP
fsr-3326	110	4	such	such	DET
fsr-3326	110	5	a	a	DET
fsr-3326	110	6	review	review	NOUN
fsr-3326	110	7	may	may	AUX
fsr-3326	110	8	emerge	emerge	VERB
fsr-3326	110	9	theoretical	theoretical	ADJ
fsr-3326	110	10	conceptualizations	conceptualization	NOUN
fsr-3326	110	11	of	of	ADP
fsr-3326	110	12	a	a	DET
fsr-3326	110	13	phenomenon	phenomenon	NOUN
fsr-3326	110	14	,	,	PUNCT
fsr-3326	110	15	or	or	CCONJ
fsr-3326	110	16	advancement	advancement	NOUN
fsr-3326	110	17	at	at	ADP
fsr-3326	110	18	a	a	DET
fsr-3326	110	19	theoretical	theoretical	ADJ
fsr-3326	110	20	level	level	NOUN
fsr-3326	110	21	,	,	PUNCT
fsr-3326	110	22	otherwise	otherwise	ADV
fsr-3326	110	23	known	know	VERB
fsr-3326	110	24	as	as	ADP
fsr-3326	110	25	a	a	DET
fsr-3326	110	26	theoretical	theoretical	ADJ
fsr-3326	110	27	review	review	NOUN
fsr-3326	110	28	(	(	PUNCT
fsr-3326	110	29	paré	paré	PROPN
fsr-3326	110	30	et	et	PROPN
fsr-3326	110	31	al	al	PROPN
fsr-3326	110	32	.	.	PROPN
fsr-3326	110	33	,	,	PUNCT
fsr-3326	110	34	2015	2015	NUM
fsr-3326	110	35	)	)	PUNCT
fsr-3326	110	36	,	,	PUNCT
fsr-3326	110	37	a	a	DET
fsr-3326	110	38	theory	theory	NOUN
fsr-3326	110	39	development	development	NOUN
fsr-3326	110	40	review	review	NOUN
fsr-3326	110	41	(	(	PUNCT
fsr-3326	110	42	templier	templier	PROPN
fsr-3326	110	43	&	&	CCONJ
fsr-3326	110	44	paré	paré	PROPN
fsr-3326	110	45	,	,	PUNCT
fsr-3326	110	46	2018	2018	NUM
fsr-3326	110	47	)	)	PUNCT
fsr-3326	110	48	,	,	PUNCT
fsr-3326	110	49	or	or	CCONJ
fsr-3326	110	50	an	an	DET
fsr-3326	110	51	integrative	integrative	ADJ
fsr-3326	110	52	review	review	NOUN
fsr-3326	110	53	(	(	PUNCT
fsr-3326	110	54	snyder	snyder	NOUN
fsr-3326	110	55	,	,	PUNCT
fsr-3326	110	56	2019	2019	NUM
fsr-3326	110	57	)	)	PUNCT
fsr-3326	110	58	.	.	PUNCT
fsr-3326	111	1	second	second	ADJ
fsr-3326	111	2	,	,	PUNCT
fsr-3326	111	3	a	a	DET
fsr-3326	111	4	theoretical	theoretical	ADJ
fsr-3326	111	5	literature	literature	NOUN
fsr-3326	111	6	review	review	NOUN
fsr-3326	111	7	proves	prove	VERB
fsr-3326	111	8	especially	especially	ADV
fsr-3326	111	9	appropriate	appropriate	ADJ
fsr-3326	111	10	when	when	SCONJ
fsr-3326	111	11	studying	study	VERB
fsr-3326	111	12	a	a	DET
fsr-3326	111	13	phenomenon	phenomenon	NOUN
fsr-3326	111	14	that	that	PRON
fsr-3326	111	15	covers	cover	VERB
fsr-3326	111	16	different	different	ADJ
fsr-3326	111	17	fields	field	NOUN
fsr-3326	111	18	of	of	ADP
fsr-3326	111	19	expertise	expertise	NOUN
fsr-3326	111	20	drawing	draw	VERB
fsr-3326	111	21	on	on	ADP
fsr-3326	111	22	various	various	ADJ
fsr-3326	111	23	research	research	NOUN
fsr-3326	111	24	perspectives	perspective	NOUN
fsr-3326	111	25	(	(	PUNCT
fsr-3326	111	26	torraco	torraco	NOUN
fsr-3326	111	27	,	,	PUNCT
fsr-3326	111	28	2005	2005	NUM
fsr-3326	111	29	)	)	PUNCT
fsr-3326	111	30	.	.	PUNCT
fsr-3326	112	1	in	in	ADP
fsr-3326	112	2	addition	addition	NOUN
fsr-3326	112	3	,	,	PUNCT
fsr-3326	112	4	advisors	advisor	NOUN
fsr-3326	112	5	,	,	PUNCT
fsr-3326	112	6	coming	come	VERB
fsr-3326	112	7	from	from	ADP
fsr-3326	112	8	different	different	ADJ
fsr-3326	112	9	fields	field	NOUN
fsr-3326	112	10	such	such	ADJ
fsr-3326	112	11	as	as	ADP
fsr-3326	112	12	financial	financial	ADJ
fsr-3326	112	13	planning	planning	NOUN
fsr-3326	112	14	,	,	PUNCT
fsr-3326	112	15	accounting	accounting	NOUN
fsr-3326	112	16	,	,	PUNCT
fsr-3326	112	17	law	law	NOUN
fsr-3326	112	18	,	,	PUNCT
fsr-3326	112	19	notarial	notarial	ADJ
fsr-3326	112	20	law	law	NOUN
fsr-3326	112	21	,	,	PUNCT
fsr-3326	112	22	securities	security	NOUN
fsr-3326	112	23	brokerage	brokerage	NOUN
fsr-3326	112	24	,	,	PUNCT
fsr-3326	112	25	insurance	insurance	NOUN
fsr-3326	112	26	,	,	PUNCT
fsr-3326	112	27	and	and	CCONJ
fsr-3326	112	28	banking	banking	NOUN
fsr-3326	112	29	,	,	PUNCT
fsr-3326	112	30	to	to	PART
fsr-3326	112	31	name	name	VERB
fsr-3326	112	32	a	a	DET
fsr-3326	112	33	few	few	ADJ
fsr-3326	112	34	,	,	PUNCT
fsr-3326	112	35	may	may	AUX
fsr-3326	112	36	be	be	AUX
fsr-3326	112	37	involved	involve	VERB
fsr-3326	112	38	at	at	ADP
fsr-3326	112	39	different	different	ADJ
fsr-3326	112	40	steps	step	NOUN
fsr-3326	112	41	of	of	ADP
fsr-3326	112	42	the	the	DET
fsr-3326	112	43	financial	financial	ADJ
fsr-3326	112	44	advising	advise	VERB
fsr-3326	112	45	process	process	NOUN
fsr-3326	112	46	.	.	PUNCT
fsr-3326	113	1	data	datum	NOUN
fsr-3326	113	2	collection	collection	NOUN
fsr-3326	113	3	the	the	DET
fsr-3326	113	4	review	review	NOUN
fsr-3326	113	5	comprised	comprise	VERB
fsr-3326	113	6	four	four	NUM
fsr-3326	113	7	phases	phase	NOUN
fsr-3326	113	8	as	as	SCONJ
fsr-3326	113	9	described	describe	VERB
fsr-3326	113	10	below	below	ADV
fsr-3326	113	11	(	(	PUNCT
fsr-3326	113	12	figure	figure	NOUN
fsr-3326	113	13	1	1	NUM
fsr-3326	113	14	)	)	PUNCT
fsr-3326	113	15	.	.	PUNCT
fsr-3326	114	1	first	first	ADV
fsr-3326	114	2	,	,	PUNCT
fsr-3326	114	3	we	we	PRON
fsr-3326	114	4	searched	search	VERB
fsr-3326	114	5	,	,	PUNCT
fsr-3326	114	6	using	use	VERB
fsr-3326	114	7	three	three	NUM
fsr-3326	114	8	databases	database	NOUN
fsr-3326	114	9	,	,	PUNCT
fsr-3326	114	10	the	the	DET
fsr-3326	114	11	possible	possible	ADJ
fsr-3326	114	12	combinations	combination	NOUN
fsr-3326	114	13	of	of	ADP
fsr-3326	114	14	financial	financial	ADJ
fsr-3326	114	15	advisor	advisor	NOUN
fsr-3326	114	16	and	and	CCONJ
fsr-3326	114	17	the	the	DET
fsr-3326	114	18	three	three	NUM
fsr-3326	114	19	theoretical	theoretical	ADJ
fsr-3326	114	20	lenses	lense	NOUN
fsr-3326	114	21	.	.	PUNCT
fsr-3326	115	1	the	the	DET
fsr-3326	115	2	search	search	NOUN
fsr-3326	115	3	terms	term	NOUN
fsr-3326	115	4	(	(	PUNCT
fsr-3326	115	5	presented	present	VERB
fsr-3326	115	6	in	in	ADP
fsr-3326	115	7	figure	figure	NOUN
fsr-3326	115	8	1	1	NUM
fsr-3326	115	9	)	)	PUNCT
fsr-3326	115	10	needed	need	VERB
fsr-3326	115	11	to	to	PART
fsr-3326	115	12	appear	appear	VERB
fsr-3326	115	13	either	either	CCONJ
fsr-3326	115	14	in	in	ADP
fsr-3326	115	15	the	the	DET
fsr-3326	115	16	title	title	NOUN
fsr-3326	115	17	,	,	PUNCT
fsr-3326	115	18	the	the	DET
fsr-3326	115	19	keywords	keyword	NOUN
fsr-3326	115	20	,	,	PUNCT
fsr-3326	115	21	or	or	CCONJ
fsr-3326	115	22	the	the	DET
fsr-3326	115	23	abstract	abstract	NOUN
fsr-3326	115	24	of	of	ADP
fsr-3326	115	25	articles	article	NOUN
fsr-3326	115	26	.	.	PUNCT
fsr-3326	116	1	based	base	VERB
fsr-3326	116	2	on	on	ADP
fsr-3326	116	3	these	these	DET
fsr-3326	116	4	criteria	criterion	NOUN
fsr-3326	116	5	,	,	PUNCT
fsr-3326	116	6	we	we	PRON
fsr-3326	116	7	identified	identify	VERB
fsr-3326	116	8	2,160	2,160	NUM
fsr-3326	116	9	results.10	results.10	NOUN
fsr-3326	116	10	second	second	ADJ
fsr-3326	116	11	,	,	PUNCT
fsr-3326	116	12	we	we	PRON
fsr-3326	116	13	sought	seek	VERB
fsr-3326	116	14	to	to	PART
fsr-3326	116	15	narrow	narrow	VERB
fsr-3326	116	16	down	down	ADP
fsr-3326	116	17	the	the	DET
fsr-3326	116	18	results	result	NOUN
fsr-3326	116	19	.	.	PUNCT
fsr-3326	117	1	we	we	PRON
fsr-3326	117	2	analyzed	analyze	VERB
fsr-3326	117	3	the	the	DET
fsr-3326	117	4	title	title	NOUN
fsr-3326	117	5	and	and	CCONJ
fsr-3326	117	6	abstract	abstract	NOUN
fsr-3326	117	7	of	of	ADP
fsr-3326	117	8	each	each	DET
fsr-3326	117	9	article	article	NOUN
fsr-3326	117	10	based	base	VERB
fsr-3326	117	11	on	on	ADP
fsr-3326	117	12	three	three	NUM
fsr-3326	117	13	preestablished	preestablished	ADJ
fsr-3326	117	14	criteria	criterion	NOUN
fsr-3326	117	15	:	:	PUNCT
fsr-3326	117	16	(	(	PUNCT
fsr-3326	117	17	1	1	X
fsr-3326	117	18	)	)	PUNCT
fsr-3326	117	19	the	the	DET
fsr-3326	117	20	article	article	NOUN
fsr-3326	117	21	must	must	AUX
fsr-3326	117	22	focus	focus	VERB
fsr-3326	117	23	on	on	ADP
fsr-3326	117	24	the	the	DET
fsr-3326	117	25	presence	presence	NOUN
fsr-3326	117	26	of	of	ADP
fsr-3326	117	27	an	an	DET
fsr-3326	117	28	advisor	advisor	NOUN
fsr-3326	117	29	in	in	ADP
fsr-3326	117	30	the	the	DET
fsr-3326	117	31	financial	financial	ADJ
fsr-3326	117	32	advising	advising	NOUN
fsr-3326	117	33	process	process	NOUN
fsr-3326	117	34	,	,	PUNCT
fsr-3326	117	35	(	(	PUNCT
fsr-3326	117	36	2	2	X
fsr-3326	117	37	)	)	PUNCT
fsr-3326	117	38	the	the	DET
fsr-3326	117	39	article	article	NOUN
fsr-3326	117	40	must	must	AUX
fsr-3326	117	41	explicitly	explicitly	ADV
fsr-3326	117	42	or	or	CCONJ
fsr-3326	117	43	implicitly	implicitly	ADV
fsr-3326	117	44	be	be	AUX
fsr-3326	117	45	linked	link	VERB
fsr-3326	117	46	to	to	ADP
fsr-3326	117	47	one	one	NUM
fsr-3326	117	48	of	of	ADP
fsr-3326	117	49	the	the	DET
fsr-3326	117	50	three	three	NUM
fsr-3326	117	51	theoretical	theoretical	ADJ
fsr-3326	117	52	financial	financial	ADJ
fsr-3326	117	53	services	service	NOUN
fsr-3326	117	54	review	review	NOUN
fsr-3326	117	55	,	,	PUNCT
fsr-3326	117	56	32(3	32(3	NUM
fsr-3326	117	57	)	)	PUNCT
fsr-3326	117	58	37	37	NUM
fsr-3326	117	59	lenses	lense	NOUN
fsr-3326	117	60	,	,	PUNCT
fsr-3326	117	61	and	and	CCONJ
fsr-3326	117	62	(	(	PUNCT
fsr-3326	117	63	3	3	X
fsr-3326	117	64	)	)	PUNCT
fsr-3326	117	65	the	the	DET
fsr-3326	117	66	article	article	NOUN
fsr-3326	117	67	must	must	AUX
fsr-3326	117	68	be	be	AUX
fsr-3326	117	69	from	from	ADP
fsr-3326	117	70	an	an	DET
fsr-3326	117	71	academic	academic	ADJ
fsr-3326	117	72	journal.11	journal.11	NOUN
fsr-3326	117	73	based	base	VERB
fsr-3326	117	74	on	on	ADP
fsr-3326	117	75	these	these	DET
fsr-3326	117	76	criteria	criterion	NOUN
fsr-3326	117	77	,	,	PUNCT
fsr-3326	117	78	we	we	PRON
fsr-3326	117	79	retained	retain	VERB
fsr-3326	117	80	131	131	NUM
fsr-3326	117	81	articles.12	articles.12	NOUN
fsr-3326	117	82	third	third	ADJ
fsr-3326	117	83	,	,	PUNCT
fsr-3326	117	84	focusing	focus	VERB
fsr-3326	117	85	on	on	ADP
fsr-3326	117	86	these	these	DET
fsr-3326	117	87	131	131	NUM
fsr-3326	117	88	articles	article	NOUN
fsr-3326	117	89	and	and	CCONJ
fsr-3326	117	90	their	their	PRON
fsr-3326	117	91	references	reference	NOUN
fsr-3326	117	92	,	,	PUNCT
fsr-3326	117	93	we	we	PRON
fsr-3326	117	94	identified	identify	VERB
fsr-3326	117	95	relevant	relevant	ADJ
fsr-3326	117	96	articles	article	NOUN
fsr-3326	117	97	that	that	PRON
fsr-3326	117	98	may	may	AUX
fsr-3326	117	99	not	not	PART
fsr-3326	117	100	have	have	AUX
fsr-3326	117	101	been	be	AUX
fsr-3326	117	102	identified	identify	VERB
fsr-3326	117	103	in	in	ADP
fsr-3326	117	104	the	the	DET
fsr-3326	117	105	initial	initial	ADJ
fsr-3326	117	106	search	search	NOUN
fsr-3326	117	107	(	(	PUNCT
fsr-3326	117	108	see	see	VERB
fsr-3326	117	109	webster	webster	PROPN
fsr-3326	117	110	&	&	CCONJ
fsr-3326	117	111	watson	watson	PROPN
fsr-3326	117	112	,	,	PUNCT
fsr-3326	117	113	2002	2002	NUM
fsr-3326	117	114	)	)	PUNCT
fsr-3326	117	115	.	.	PUNCT
fsr-3326	118	1	following	follow	VERB
fsr-3326	118	2	this	this	DET
fsr-3326	118	3	review	review	NOUN
fsr-3326	118	4	,	,	PUNCT
fsr-3326	118	5	we	we	PRON
fsr-3326	118	6	added	add	VERB
fsr-3326	118	7	106	106	NUM
fsr-3326	118	8	articles	article	NOUN
fsr-3326	118	9	,	,	PUNCT
fsr-3326	118	10	thus	thus	ADV
fsr-3326	118	11	bringing	bring	VERB
fsr-3326	118	12	the	the	DET
fsr-3326	118	13	total	total	ADJ
fsr-3326	118	14	number	number	NOUN
fsr-3326	118	15	of	of	ADP
fsr-3326	118	16	articles	article	NOUN
fsr-3326	118	17	to	to	ADP
fsr-3326	118	18	237	237	NUM
fsr-3326	118	19	.	.	PUNCT
fsr-3326	119	1	finally	finally	ADV
fsr-3326	119	2	,	,	PUNCT
fsr-3326	119	3	we	we	PRON
fsr-3326	119	4	read	read	VERB
fsr-3326	119	5	the	the	DET
fsr-3326	119	6	237	237	NUM
fsr-3326	119	7	articles	article	NOUN
fsr-3326	119	8	in	in	ADP
fsr-3326	119	9	their	their	PRON
fsr-3326	119	10	entirety	entirety	NOUN
fsr-3326	119	11	and	and	CCONJ
fsr-3326	119	12	evaluated	evaluate	VERB
fsr-3326	119	13	them	they	PRON
fsr-3326	119	14	using	use	VERB
fsr-3326	119	15	the	the	DET
fsr-3326	119	16	same	same	ADJ
fsr-3326	119	17	criteria	criterion	NOUN
fsr-3326	119	18	used	use	VERB
fsr-3326	119	19	in	in	ADP
fsr-3326	119	20	the	the	DET
fsr-3326	119	21	second	second	ADJ
fsr-3326	119	22	phase	phase	NOUN
fsr-3326	119	23	,	,	PUNCT
fsr-3326	119	24	thus	thus	ADV
fsr-3326	119	25	bringing	bring	VERB
fsr-3326	119	26	our	our	PRON
fsr-3326	119	27	final	final	ADJ
fsr-3326	119	28	dataset	dataset	NOUN
fsr-3326	119	29	to	to	PART
fsr-3326	119	30	include	include	VERB
fsr-3326	119	31	88	88	NUM
fsr-3326	119	32	articles	article	NOUN
fsr-3326	119	33	.	.	PUNCT
fsr-3326	120	1	appendix	appendix	VERB
fsr-3326	120	2	a	a	DET
fsr-3326	120	3	summarizes	summarize	NOUN
fsr-3326	120	4	the	the	DET
fsr-3326	120	5	88	88	NUM
fsr-3326	120	6	articles	article	NOUN
fsr-3326	120	7	.	.	PUNCT
fsr-3326	121	1	for	for	ADP
fsr-3326	121	2	each	each	DET
fsr-3326	121	3	article	article	NOUN
fsr-3326	121	4	,	,	PUNCT
fsr-3326	121	5	the	the	DET
fsr-3326	121	6	table	table	NOUN
fsr-3326	121	7	provides	provide	VERB
fsr-3326	121	8	the	the	DET
fsr-3326	121	9	authors	author	NOUN
fsr-3326	121	10	,	,	PUNCT
fsr-3326	121	11	the	the	DET
fsr-3326	121	12	type	type	NOUN
fsr-3326	121	13	of	of	ADP
fsr-3326	121	14	financial	financial	ADJ
fsr-3326	121	15	advisor	advisor	NOUN
fsr-3326	121	16	,	,	PUNCT
fsr-3326	121	17	the	the	DET
fsr-3326	121	18	method	method	NOUN
fsr-3326	121	19	used	use	VERB
fsr-3326	121	20	,	,	PUNCT
fsr-3326	121	21	the	the	DET
fsr-3326	121	22	measurement	measurement	NOUN
fsr-3326	121	23	,	,	PUNCT
fsr-3326	121	24	the	the	DET
fsr-3326	121	25	outcome	outcome	NOUN
fsr-3326	121	26	,	,	PUNCT
fsr-3326	121	27	and	and	CCONJ
fsr-3326	121	28	the	the	DET
fsr-3326	121	29	study	study	NOUN
fsr-3326	121	30	findings	finding	NOUN
fsr-3326	121	31	.	.	PUNCT
fsr-3326	122	1	for	for	ADP
fsr-3326	122	2	a	a	DET
fsr-3326	122	3	better	well	ADJ
fsr-3326	122	4	analysis	analysis	NOUN
fsr-3326	122	5	,	,	PUNCT
fsr-3326	122	6	and	and	CCONJ
fsr-3326	122	7	in	in	ADP
fsr-3326	122	8	line	line	NOUN
fsr-3326	122	9	with	with	ADP
fsr-3326	122	10	the	the	DET
fsr-3326	122	11	integrative	integrative	ADJ
fsr-3326	122	12	model	model	NOUN
fsr-3326	122	13	,	,	PUNCT
fsr-3326	122	14	we	we	PRON
fsr-3326	122	15	present	present	VERB
fsr-3326	122	16	the	the	DET
fsr-3326	122	17	articles	article	NOUN
fsr-3326	122	18	categorized	categorize	VERB
fsr-3326	122	19	through	through	ADP
fsr-3326	122	20	the	the	DET
fsr-3326	122	21	three	three	NUM
fsr-3326	122	22	theoretical	theoretical	ADJ
fsr-3326	122	23	lenses	lense	NOUN
fsr-3326	122	24	.	.	PUNCT
fsr-3326	123	1	the	the	DET
fsr-3326	123	2	dataset	dataset	NOUN
fsr-3326	123	3	reflects	reflect	VERB
fsr-3326	123	4	the	the	DET
fsr-3326	123	5	diversity	diversity	NOUN
fsr-3326	123	6	of	of	ADP
fsr-3326	123	7	expertise	expertise	NOUN
fsr-3326	123	8	and	and	CCONJ
fsr-3326	123	9	fields	field	NOUN
fsr-3326	123	10	associated	associate	VERB
fsr-3326	123	11	with	with	ADP
fsr-3326	123	12	financial	financial	ADJ
fsr-3326	123	13	advising	advising	NOUN
fsr-3326	123	14	,	,	PUNCT
fsr-3326	123	15	as	as	SCONJ
fsr-3326	123	16	it	it	PRON
fsr-3326	123	17	includes	include	VERB
fsr-3326	123	18	articles	article	NOUN
fsr-3326	123	19	published	publish	VERB
fsr-3326	123	20	in	in	ADP
fsr-3326	123	21	marketing	marketing	NOUN
fsr-3326	123	22	,	,	PUNCT
fsr-3326	123	23	finance	finance	NOUN
fsr-3326	123	24	,	,	PUNCT
fsr-3326	123	25	economics	economic	NOUN
fsr-3326	123	26	,	,	PUNCT
fsr-3326	123	27	psychology	psychology	NOUN
fsr-3326	123	28	,	,	PUNCT
fsr-3326	123	29	management	management	NOUN
fsr-3326	123	30	,	,	PUNCT
fsr-3326	123	31	accounting	accounting	NOUN
fsr-3326	123	32	,	,	PUNCT
fsr-3326	123	33	and	and	CCONJ
fsr-3326	123	34	financial	financial	ADJ
fsr-3326	123	35	planning	planning	NOUN
fsr-3326	123	36	.	.	PUNCT
fsr-3326	124	1	as	as	ADP
fsr-3326	124	2	an	an	DET
fsr-3326	124	3	aside	aside	NOUN
fsr-3326	124	4	,	,	PUNCT
fsr-3326	124	5	even	even	ADV
fsr-3326	124	6	if	if	SCONJ
fsr-3326	124	7	the	the	DET
fsr-3326	124	8	pfp	pfp	PROPN
fsr-3326	124	9	field	field	NOUN
fsr-3326	124	10	is	be	AUX
fsr-3326	124	11	of	of	ADP
fsr-3326	124	12	prime	prime	ADJ
fsr-3326	124	13	importance	importance	NOUN
fsr-3326	124	14	for	for	ADP
fsr-3326	124	15	individuals	individual	NOUN
fsr-3326	124	16	and	and	CCONJ
fsr-3326	124	17	the	the	DET
fsr-3326	124	18	economy	economy	NOUN
fsr-3326	124	19	,	,	PUNCT
fsr-3326	124	20	it	it	PRON
fsr-3326	124	21	is	be	AUX
fsr-3326	124	22	surprising	surprising	ADJ
fsr-3326	124	23	to	to	PART
fsr-3326	124	24	see	see	VERB
fsr-3326	124	25	the	the	DET
fsr-3326	124	26	limited	limited	ADJ
fsr-3326	124	27	number	number	NOUN
fsr-3326	124	28	of	of	ADP
fsr-3326	124	29	journals	journal	NOUN
fsr-3326	124	30	dedicated	dedicate	VERB
fsr-3326	124	31	to	to	ADP
fsr-3326	124	32	pfp	pfp	PROPN
fsr-3326	124	33	.	.	PUNCT
fsr-3326	125	1	figure	figure	NOUN
fsr-3326	125	2	1	1	NUM
fsr-3326	125	3	.	.	PUNCT
fsr-3326	125	4	literature	literature	NOUN
fsr-3326	125	5	review	review	NOUN
fsr-3326	125	6	search	search	NOUN
fsr-3326	125	7	steps	step	NOUN
fsr-3326	125	8	11	11	NUM
fsr-3326	125	9	this	this	DET
fsr-3326	125	10	criterion	criterion	NOUN
fsr-3326	125	11	mostly	mostly	ADV
fsr-3326	125	12	explains	explain	VERB
fsr-3326	125	13	the	the	DET
fsr-3326	125	14	sharp	sharp	ADJ
fsr-3326	125	15	reduction	reduction	NOUN
fsr-3326	125	16	of	of	ADP
fsr-3326	125	17	articles	article	NOUN
fsr-3326	125	18	since	since	SCONJ
fsr-3326	125	19	there	there	PRON
fsr-3326	125	20	is	be	VERB
fsr-3326	125	21	an	an	DET
fsr-3326	125	22	important	important	ADJ
fsr-3326	125	23	number	number	NOUN
fsr-3326	125	24	of	of	ADP
fsr-3326	125	25	professional	professional	ADJ
fsr-3326	125	26	publications	publication	NOUN
fsr-3326	125	27	in	in	ADP
fsr-3326	125	28	financial	financial	ADJ
fsr-3326	125	29	planning	planning	NOUN
fsr-3326	125	30	.	.	PUNCT
fsr-3326	126	1	12	12	NUM
fsr-3326	126	2	from	from	ADP
fsr-3326	126	3	this	this	DET
fsr-3326	126	4	point	point	NOUN
fsr-3326	126	5	on	on	ADP
fsr-3326	126	6	,	,	PUNCT
fsr-3326	126	7	the	the	DET
fsr-3326	126	8	results	result	NOUN
fsr-3326	126	9	from	from	ADP
fsr-3326	126	10	the	the	DET
fsr-3326	126	11	three	three	NUM
fsr-3326	126	12	databases	database	NOUN
fsr-3326	126	13	were	be	AUX
fsr-3326	126	14	combined	combine	VERB
fsr-3326	126	15	,	,	PUNCT
fsr-3326	126	16	eliminating	eliminate	VERB
fsr-3326	126	17	the	the	DET
fsr-3326	126	18	possibility	possibility	NOUN
fsr-3326	126	19	of	of	ADP
fsr-3326	126	20	the	the	DET
fsr-3326	126	21	same	same	ADJ
fsr-3326	126	22	article	article	NOUN
fsr-3326	126	23	being	be	AUX
fsr-3326	126	24	counted	count	VERB
fsr-3326	126	25	more	more	ADV
fsr-3326	126	26	than	than	ADP
fsr-3326	126	27	once	once	ADV
fsr-3326	126	28	.	.	PUNCT
fsr-3326	127	1	pilote	pilote	PROPN
fsr-3326	127	2	et	et	PROPN
fsr-3326	127	3	al	al	PROPN
fsr-3326	127	4	.	.	PROPN
fsr-3326	128	1	38	38	NUM
fsr-3326	128	2	data	datum	NOUN
fsr-3326	128	3	analysis	analysis	NOUN
fsr-3326	128	4	the	the	DET
fsr-3326	128	5	data	data	NOUN
fsr-3326	128	6	analysis	analysis	NOUN
fsr-3326	128	7	builds	build	VERB
fsr-3326	128	8	upon	upon	SCONJ
fsr-3326	128	9	the	the	DET
fsr-3326	128	10	three	three	NUM
fsr-3326	128	11	theoretical	theoretical	ADJ
fsr-3326	128	12	perspectives	perspective	NOUN
fsr-3326	128	13	and	and	CCONJ
fsr-3326	128	14	relies	rely	VERB
fsr-3326	128	15	on	on	ADP
fsr-3326	128	16	the	the	DET
fsr-3326	128	17	six	six	NUM
fsr-3326	128	18	steps	step	NOUN
fsr-3326	128	19	of	of	ADP
fsr-3326	128	20	the	the	DET
fsr-3326	128	21	pfp	pfp	PROPN
fsr-3326	128	22	process	process	NOUN
fsr-3326	128	23	developed	develop	VERB
fsr-3326	128	24	by	by	ADP
fsr-3326	128	25	the	the	DET
fsr-3326	128	26	cfp	cfp	PROPN
fsr-3326	128	27	board	board	PROPN
fsr-3326	128	28	(	(	PUNCT
fsr-3326	128	29	2017	2017	NUM
fsr-3326	128	30	)	)	PUNCT
fsr-3326	128	31	as	as	ADP
fsr-3326	128	32	a	a	DET
fsr-3326	128	33	proxy	proxy	NOUN
fsr-3326	128	34	for	for	ADP
fsr-3326	128	35	the	the	DET
fsr-3326	128	36	financial	financial	ADJ
fsr-3326	128	37	advising	advising	NOUN
fsr-3326	128	38	process	process	NOUN
fsr-3326	128	39	(	(	PUNCT
fsr-3326	128	40	figure	figure	NOUN
fsr-3326	128	41	2	2	NUM
fsr-3326	128	42	)	)	PUNCT
fsr-3326	128	43	.	.	PUNCT
fsr-3326	129	1	based	base	VERB
fsr-3326	129	2	on	on	ADP
fsr-3326	129	3	the	the	DET
fsr-3326	129	4	combination	combination	NOUN
fsr-3326	129	5	of	of	ADP
fsr-3326	129	6	the	the	DET
fsr-3326	129	7	theoretical	theoretical	ADJ
fsr-3326	129	8	perspectives	perspective	NOUN
fsr-3326	129	9	and	and	CCONJ
fsr-3326	129	10	the	the	DET
fsr-3326	129	11	six	six	NUM
fsr-3326	129	12	steps	step	NOUN
fsr-3326	129	13	,	,	PUNCT
fsr-3326	129	14	we	we	PRON
fsr-3326	129	15	pinpoint	pinpoint	VERB
fsr-3326	129	16	where	where	SCONJ
fsr-3326	129	17	in	in	ADP
fsr-3326	129	18	the	the	DET
fsr-3326	129	19	process	process	NOUN
fsr-3326	129	20	and	and	CCONJ
fsr-3326	129	21	how	how	SCONJ
fsr-3326	129	22	the	the	DET
fsr-3326	129	23	advisor	advisor	NOUN
fsr-3326	129	24	affects	affect	VERB
fsr-3326	129	25	their	their	PRON
fsr-3326	129	26	clients	client	NOUN
fsr-3326	129	27	’	’	PART
fsr-3326	129	28	financial	financial	ADJ
fsr-3326	129	29	outcomes	outcome	NOUN
fsr-3326	129	30	.	.	PUNCT
fsr-3326	130	1	figure	figure	VERB
fsr-3326	130	2	2	2	NUM
fsr-3326	130	3	.	.	NOUN
fsr-3326	130	4	six	six	NUM
fsr-3326	130	5	steps	step	NOUN
fsr-3326	130	6	of	of	ADP
fsr-3326	130	7	the	the	DET
fsr-3326	130	8	financial	financial	ADJ
fsr-3326	130	9	advising	advising	NOUN
fsr-3326	130	10	process	process	NOUN
fsr-3326	130	11	the	the	DET
fsr-3326	130	12	first	first	ADJ
fsr-3326	130	13	step	step	NOUN
fsr-3326	130	14	,	,	PUNCT
fsr-3326	130	15	agreeing	agree	VERB
fsr-3326	130	16	on	on	ADP
fsr-3326	130	17	how	how	SCONJ
fsr-3326	130	18	to	to	PART
fsr-3326	130	19	work	work	VERB
fsr-3326	130	20	together	together	ADV
fsr-3326	130	21	,	,	PUNCT
fsr-3326	130	22	sets	set	VERB
fsr-3326	130	23	the	the	DET
fsr-3326	130	24	parameters	parameter	NOUN
fsr-3326	130	25	of	of	ADP
fsr-3326	130	26	the	the	DET
fsr-3326	130	27	relationship	relationship	NOUN
fsr-3326	130	28	between	between	ADP
fsr-3326	130	29	the	the	DET
fsr-3326	130	30	financial	financial	ADJ
fsr-3326	130	31	advisor	advisor	NOUN
fsr-3326	130	32	and	and	CCONJ
fsr-3326	130	33	the	the	DET
fsr-3326	130	34	client	client	NOUN
fsr-3326	130	35	.	.	PUNCT
fsr-3326	131	1	it	it	PRON
fsr-3326	131	2	consists	consist	VERB
fsr-3326	131	3	of	of	ADP
fsr-3326	131	4	a	a	DET
fsr-3326	131	5	deal	deal	NOUN
fsr-3326	131	6	specifying	specify	VERB
fsr-3326	131	7	the	the	DET
fsr-3326	131	8	services	service	NOUN
fsr-3326	131	9	provided	provide	VERB
fsr-3326	131	10	by	by	ADP
fsr-3326	131	11	the	the	DET
fsr-3326	131	12	advisor	advisor	NOUN
fsr-3326	131	13	,	,	PUNCT
fsr-3326	131	14	such	such	ADJ
fsr-3326	131	15	as	as	ADP
fsr-3326	131	16	the	the	DET
fsr-3326	131	17	next	next	ADJ
fsr-3326	131	18	steps	step	NOUN
fsr-3326	131	19	where	where	SCONJ
fsr-3326	131	20	the	the	DET
fsr-3326	131	21	advisor	advisor	NOUN
fsr-3326	131	22	will	will	AUX
fsr-3326	131	23	be	be	AUX
fsr-3326	131	24	involved	involve	VERB
fsr-3326	131	25	.	.	PUNCT
fsr-3326	132	1	the	the	DET
fsr-3326	132	2	second	second	ADJ
fsr-3326	132	3	step	step	NOUN
fsr-3326	132	4	,	,	PUNCT
fsr-3326	132	5	gathering	gather	VERB
fsr-3326	132	6	information	information	NOUN
fsr-3326	132	7	,	,	PUNCT
fsr-3326	132	8	covers	cover	VERB
fsr-3326	132	9	the	the	DET
fsr-3326	132	10	collection	collection	NOUN
fsr-3326	132	11	of	of	ADP
fsr-3326	132	12	information	information	NOUN
fsr-3326	132	13	and	and	CCONJ
fsr-3326	132	14	documents	document	NOUN
fsr-3326	132	15	from	from	ADP
fsr-3326	132	16	the	the	DET
fsr-3326	132	17	client	client	NOUN
fsr-3326	132	18	for	for	ADP
fsr-3326	132	19	analysis	analysis	NOUN
fsr-3326	132	20	.	.	PUNCT
fsr-3326	133	1	at	at	ADP
fsr-3326	133	2	the	the	DET
fsr-3326	133	3	third	third	ADJ
fsr-3326	133	4	step	step	NOUN
fsr-3326	133	5	,	,	PUNCT
fsr-3326	133	6	analyzing	analyze	VERB
fsr-3326	133	7	the	the	DET
fsr-3326	133	8	situation	situation	NOUN
fsr-3326	133	9	,	,	PUNCT
fsr-3326	133	10	the	the	DET
fsr-3326	133	11	advisor	advisor	NOUN
fsr-3326	133	12	assesses	assess	VERB
fsr-3326	133	13	the	the	DET
fsr-3326	133	14	client	client	NOUN
fsr-3326	133	15	’s	’s	PART
fsr-3326	133	16	financial	financial	ADJ
fsr-3326	133	17	situation	situation	NOUN
fsr-3326	133	18	to	to	PART
fsr-3326	133	19	identify	identify	VERB
fsr-3326	133	20	relevant	relevant	ADJ
fsr-3326	133	21	strategies	strategy	NOUN
fsr-3326	133	22	and	and	CCONJ
fsr-3326	133	23	options	option	NOUN
fsr-3326	133	24	,	,	PUNCT
fsr-3326	133	25	weighing	weigh	VERB
fsr-3326	133	26	the	the	DET
fsr-3326	133	27	benefits	benefit	NOUN
fsr-3326	133	28	of	of	ADP
fsr-3326	133	29	each	each	PRON
fsr-3326	133	30	,	,	PUNCT
fsr-3326	133	31	to	to	PART
fsr-3326	133	32	develop	develop	VERB
fsr-3326	133	33	recommendations	recommendation	NOUN
fsr-3326	133	34	.	.	PUNCT
fsr-3326	134	1	at	at	ADP
fsr-3326	134	2	the	the	DET
fsr-3326	134	3	fourth	fourth	ADJ
fsr-3326	134	4	step	step	NOUN
fsr-3326	134	5	,	,	PUNCT
fsr-3326	134	6	providing	provide	VERB
fsr-3326	134	7	recommendations	recommendation	NOUN
fsr-3326	134	8	,	,	PUNCT
fsr-3326	134	9	the	the	DET
fsr-3326	134	10	advisor	advisor	NOUN
fsr-3326	134	11	provides	provide	VERB
fsr-3326	134	12	recommendations	recommendation	NOUN
fsr-3326	134	13	to	to	ADP
fsr-3326	134	14	the	the	DET
fsr-3326	134	15	client	client	NOUN
fsr-3326	134	16	on	on	ADP
fsr-3326	134	17	how	how	SCONJ
fsr-3326	134	18	to	to	PART
fsr-3326	134	19	best	well	ADV
fsr-3326	134	20	optimize	optimize	VERB
fsr-3326	134	21	their	their	PRON
fsr-3326	134	22	financial	financial	ADJ
fsr-3326	134	23	outcomes	outcome	NOUN
fsr-3326	134	24	.	.	PUNCT
fsr-3326	135	1	the	the	DET
fsr-3326	135	2	fifth	fifth	ADJ
fsr-3326	135	3	step	step	NOUN
fsr-3326	135	4	,	,	PUNCT
fsr-3326	135	5	implementing	implement	VERB
fsr-3326	135	6	the	the	DET
fsr-3326	135	7	recommendations	recommendation	NOUN
fsr-3326	135	8	,	,	PUNCT
fsr-3326	135	9	involves	involve	VERB
fsr-3326	135	10	ensuring	ensure	VERB
fsr-3326	135	11	the	the	DET
fsr-3326	135	12	implementation	implementation	NOUN
fsr-3326	135	13	,	,	PUNCT
fsr-3326	135	14	either	either	CCONJ
fsr-3326	135	15	by	by	ADP
fsr-3326	135	16	the	the	DET
fsr-3326	135	17	client	client	NOUN
fsr-3326	135	18	or	or	CCONJ
fsr-3326	135	19	the	the	DET
fsr-3326	135	20	advisor	advisor	NOUN
fsr-3326	135	21	,	,	PUNCT
fsr-3326	135	22	according	accord	VERB
fsr-3326	135	23	to	to	ADP
fsr-3326	135	24	the	the	DET
fsr-3326	135	25	terms	term	NOUN
fsr-3326	135	26	of	of	ADP
fsr-3326	135	27	the	the	DET
fsr-3326	135	28	deal	deal	NOUN
fsr-3326	135	29	established	establish	VERB
fsr-3326	135	30	in	in	ADP
fsr-3326	135	31	step	step	NOUN
fsr-3326	135	32	1	1	NUM
fsr-3326	135	33	.	.	PUNCT
fsr-3326	136	1	the	the	DET
fsr-3326	136	2	sixth	sixth	ADJ
fsr-3326	136	3	step	step	NOUN
fsr-3326	136	4	,	,	PUNCT
fsr-3326	136	5	monitoring	monitor	VERB
fsr-3326	136	6	progress	progress	NOUN
fsr-3326	136	7	,	,	PUNCT
fsr-3326	136	8	closes	close	VERB
fsr-3326	136	9	the	the	DET
fsr-3326	136	10	loop	loop	NOUN
fsr-3326	136	11	.	.	PUNCT
fsr-3326	137	1	it	it	PRON
fsr-3326	137	2	consists	consist	VERB
fsr-3326	137	3	of	of	ADP
fsr-3326	137	4	assessing	assess	VERB
fsr-3326	137	5	the	the	DET
fsr-3326	137	6	evolution	evolution	NOUN
fsr-3326	137	7	of	of	ADP
fsr-3326	137	8	the	the	DET
fsr-3326	137	9	situation	situation	NOUN
fsr-3326	137	10	and	and	CCONJ
fsr-3326	137	11	adjusting	adjust	VERB
fsr-3326	137	12	when	when	SCONJ
fsr-3326	137	13	the	the	DET
fsr-3326	137	14	conditions	condition	NOUN
fsr-3326	137	15	require	require	VERB
fsr-3326	137	16	it	it	PRON
fsr-3326	137	17	.	.	PUNCT
fsr-3326	138	1	the	the	DET
fsr-3326	138	2	sixth	sixth	ADJ
fsr-3326	138	3	step	step	NOUN
fsr-3326	138	4	brings	bring	VERB
fsr-3326	138	5	a	a	DET
fsr-3326	138	6	circularity	circularity	NOUN
fsr-3326	138	7	to	to	ADP
fsr-3326	138	8	the	the	DET
fsr-3326	138	9	process	process	NOUN
fsr-3326	138	10	as	as	SCONJ
fsr-3326	138	11	it	it	PRON
fsr-3326	138	12	leads	lead	VERB
fsr-3326	138	13	to	to	ADP
fsr-3326	138	14	a	a	DET
fsr-3326	138	15	relaunch	relaunch	NOUN
fsr-3326	138	16	of	of	ADP
fsr-3326	138	17	the	the	DET
fsr-3326	138	18	process	process	NOUN
fsr-3326	138	19	when	when	SCONJ
fsr-3326	138	20	needed	need	VERB
fsr-3326	138	21	.	.	PUNCT
fsr-3326	139	1	winchester	winchester	PROPN
fsr-3326	139	2	and	and	CCONJ
fsr-3326	139	3	huston	huston	PROPN
fsr-3326	139	4	(	(	PUNCT
fsr-3326	139	5	2015	2015	NUM
fsr-3326	139	6	)	)	PUNCT
fsr-3326	139	7	report	report	NOUN
fsr-3326	139	8	that	that	SCONJ
fsr-3326	139	9	financial	financial	ADJ
fsr-3326	139	10	advice	advice	NOUN
fsr-3326	139	11	may	may	AUX
fsr-3326	139	12	fall	fall	VERB
fsr-3326	139	13	into	into	ADP
fsr-3326	139	14	either	either	CCONJ
fsr-3326	139	15	a	a	DET
fsr-3326	139	16	modular	modular	ADJ
fsr-3326	139	17	approach	approach	NOUN
fsr-3326	139	18	,	,	PUNCT
fsr-3326	139	19	when	when	SCONJ
fsr-3326	139	20	happening	happen	VERB
fsr-3326	139	21	on	on	ADP
fsr-3326	139	22	an	an	DET
fsr-3326	139	23	ad	ad	X
fsr-3326	139	24	hoc	hoc	X
fsr-3326	139	25	basis	basis	NOUN
fsr-3326	139	26	regarding	regard	VERB
fsr-3326	139	27	a	a	DET
fsr-3326	139	28	specific	specific	ADJ
fsr-3326	139	29	topic	topic	NOUN
fsr-3326	139	30	,	,	PUNCT
fsr-3326	139	31	or	or	CCONJ
fsr-3326	139	32	an	an	DET
fsr-3326	139	33	integrated	integrated	ADJ
fsr-3326	139	34	approach	approach	NOUN
fsr-3326	139	35	,	,	PUNCT
fsr-3326	139	36	when	when	SCONJ
fsr-3326	139	37	advice	advice	NOUN
fsr-3326	139	38	follows	follow	VERB
fsr-3326	139	39	a	a	DET
fsr-3326	139	40	comprehensive	comprehensive	ADJ
fsr-3326	139	41	process	process	NOUN
fsr-3326	139	42	staggered	stagger	VERB
fsr-3326	139	43	over	over	ADP
fsr-3326	139	44	time	time	NOUN
fsr-3326	139	45	.	.	PUNCT
fsr-3326	140	1	only	only	ADV
fsr-3326	140	2	the	the	DET
fsr-3326	140	3	level	level	NOUN
fsr-3326	140	4	of	of	ADP
fsr-3326	140	5	involvement	involvement	NOUN
fsr-3326	140	6	of	of	ADP
fsr-3326	140	7	the	the	DET
fsr-3326	140	8	actors	actor	NOUN
fsr-3326	140	9	(	(	PUNCT
fsr-3326	140	10	client	client	NOUN
fsr-3326	140	11	or	or	CCONJ
fsr-3326	140	12	advisor	advisor	NOUN
fsr-3326	140	13	)	)	PUNCT
fsr-3326	140	14	changes	change	NOUN
fsr-3326	140	15	according	accord	VERB
fsr-3326	140	16	to	to	ADP
fsr-3326	140	17	the	the	DET
fsr-3326	140	18	six	six	NUM
fsr-3326	140	19	steps	step	NOUN
fsr-3326	140	20	.	.	PUNCT
fsr-3326	141	1	for	for	ADP
fsr-3326	141	2	instance	instance	NOUN
fsr-3326	141	3	,	,	PUNCT
fsr-3326	141	4	figure	figure	VERB
fsr-3326	141	5	3	3	NUM
fsr-3326	141	6	shows	show	VERB
fsr-3326	141	7	the	the	DET
fsr-3326	141	8	six	six	NUM
fsr-3326	141	9	steps	step	NOUN
fsr-3326	141	10	when	when	SCONJ
fsr-3326	141	11	a	a	DET
fsr-3326	141	12	client	client	NOUN
fsr-3326	141	13	delegates	delegate	VERB
fsr-3326	141	14	the	the	DET
fsr-3326	141	15	process	process	NOUN
fsr-3326	141	16	(	(	PUNCT
fsr-3326	141	17	from	from	ADP
fsr-3326	141	18	steps	step	NOUN
fsr-3326	141	19	2	2	NUM
fsr-3326	141	20	through	through	ADP
fsr-3326	141	21	6	6	NUM
fsr-3326	141	22	)	)	PUNCT
fsr-3326	141	23	to	to	ADP
fsr-3326	141	24	an	an	DET
fsr-3326	141	25	advisor	advisor	NOUN
fsr-3326	141	26	,	,	PUNCT
fsr-3326	141	27	while	while	SCONJ
fsr-3326	141	28	,	,	PUNCT
fsr-3326	141	29	when	when	SCONJ
fsr-3326	141	30	clients	client	NOUN
fsr-3326	141	31	opt	opt	VERB
fsr-3326	141	32	for	for	ADP
fsr-3326	141	33	consultation	consultation	NOUN
fsr-3326	141	34	,	,	PUNCT
fsr-3326	141	35	they	they	PRON
fsr-3326	141	36	retain	retain	VERB
fsr-3326	141	37	the	the	DET
fsr-3326	141	38	right	right	NOUN
fsr-3326	141	39	to	to	PART
fsr-3326	141	40	implement	implement	VERB
fsr-3326	141	41	or	or	CCONJ
fsr-3326	141	42	not	not	PART
fsr-3326	141	43	the	the	DET
fsr-3326	141	44	advisor	advisor	NOUN
fsr-3326	141	45	’s	’s	PART
fsr-3326	141	46	recommendations	recommendation	NOUN
fsr-3326	141	47	(	(	PUNCT
fsr-3326	141	48	thus	thus	ADV
fsr-3326	141	49	taking	take	VERB
fsr-3326	141	50	control	control	NOUN
fsr-3326	141	51	of	of	ADP
fsr-3326	141	52	step	step	NOUN
fsr-3326	141	53	5	5	NUM
fsr-3326	141	54	)	)	PUNCT
fsr-3326	141	55	.	.	PUNCT
fsr-3326	142	1	depending	depend	VERB
fsr-3326	142	2	on	on	ADP
fsr-3326	142	3	the	the	DET
fsr-3326	142	4	arrangement	arrangement	NOUN
fsr-3326	142	5	,	,	PUNCT
fsr-3326	142	6	step	step	NOUN
fsr-3326	142	7	6	6	NUM
fsr-3326	142	8	(	(	PUNCT
fsr-3326	142	9	monitoring	monitor	VERB
fsr-3326	142	10	progress	progress	NOUN
fsr-3326	142	11	)	)	PUNCT
fsr-3326	142	12	may	may	AUX
fsr-3326	142	13	either	either	CCONJ
fsr-3326	142	14	be	be	AUX
fsr-3326	142	15	the	the	DET
fsr-3326	142	16	responsibility	responsibility	NOUN
fsr-3326	142	17	of	of	ADP
fsr-3326	142	18	the	the	DET
fsr-3326	142	19	client	client	NOUN
fsr-3326	142	20	or	or	CCONJ
fsr-3326	142	21	part	part	NOUN
fsr-3326	142	22	of	of	ADP
fsr-3326	142	23	the	the	DET
fsr-3326	142	24	mandate	mandate	NOUN
fsr-3326	142	25	given	give	VERB
fsr-3326	142	26	to	to	ADP
fsr-3326	142	27	the	the	DET
fsr-3326	142	28	advisor	advisor	NOUN
fsr-3326	142	29	.	.	PUNCT
fsr-3326	143	1	financial	financial	PROPN
fsr-3326	143	2	services	services	PROPN
fsr-3326	143	3	review	review	PROPN
fsr-3326	143	4	,	,	PUNCT
fsr-3326	143	5	32(3	32(3	NUM
fsr-3326	143	6	)	)	PUNCT
fsr-3326	143	7	39	39	NUM
fsr-3326	143	8	figure	figure	NOUN
fsr-3326	143	9	3	3	NUM
fsr-3326	143	10	.	.	PUNCT
fsr-3326	143	11	possible	possible	ADJ
fsr-3326	143	12	arrangements	arrangement	NOUN
fsr-3326	143	13	between	between	ADP
fsr-3326	143	14	the	the	DET
fsr-3326	143	15	client	client	NOUN
fsr-3326	143	16	and	and	CCONJ
fsr-3326	143	17	the	the	DET
fsr-3326	143	18	advisor	advisor	NOUN
fsr-3326	143	19	we	we	PRON
fsr-3326	143	20	consider	consider	VERB
fsr-3326	143	21	that	that	SCONJ
fsr-3326	143	22	these	these	DET
fsr-3326	143	23	six	six	NUM
fsr-3326	143	24	steps	step	NOUN
fsr-3326	143	25	,	,	PUNCT
fsr-3326	143	26	even	even	ADV
fsr-3326	143	27	if	if	SCONJ
fsr-3326	143	28	developed	develop	VERB
fsr-3326	143	29	to	to	PART
fsr-3326	143	30	frame	frame	VERB
fsr-3326	143	31	the	the	DET
fsr-3326	143	32	financial	financial	ADJ
fsr-3326	143	33	planning	planning	NOUN
fsr-3326	143	34	process	process	NOUN
fsr-3326	143	35	,	,	PUNCT
fsr-3326	143	36	adequately	adequately	ADV
fsr-3326	143	37	capture	capture	VERB
fsr-3326	143	38	the	the	DET
fsr-3326	143	39	financial	financial	ADJ
fsr-3326	143	40	advising	advising	NOUN
fsr-3326	143	41	process	process	NOUN
fsr-3326	143	42	as	as	SCONJ
fsr-3326	143	43	they	they	PRON
fsr-3326	143	44	are	be	AUX
fsr-3326	143	45	quite	quite	ADV
fsr-3326	143	46	generic	generic	ADJ
fsr-3326	143	47	and	and	CCONJ
fsr-3326	143	48	focus	focus	VERB
fsr-3326	143	49	on	on	ADP
fsr-3326	143	50	a	a	DET
fsr-3326	143	51	client	client	NOUN
fsr-3326	143	52	-	-	PUNCT
fsr-3326	143	53	advisor	advisor	NOUN
fsr-3326	143	54	relationship	relationship	NOUN
fsr-3326	143	55	.	.	PUNCT
fsr-3326	144	1	findings	finding	VERB
fsr-3326	144	2	three	three	NUM
fsr-3326	144	3	main	main	ADJ
fsr-3326	144	4	findings	finding	NOUN
fsr-3326	144	5	arise	arise	VERB
fsr-3326	144	6	from	from	ADP
fsr-3326	144	7	our	our	PRON
fsr-3326	144	8	analysis	analysis	NOUN
fsr-3326	144	9	.	.	PUNCT
fsr-3326	145	1	first	first	ADV
fsr-3326	145	2	,	,	PUNCT
fsr-3326	145	3	the	the	DET
fsr-3326	145	4	advisor	advisor	NOUN
fsr-3326	145	5	’s	’s	PART
fsr-3326	145	6	impact	impact	NOUN
fsr-3326	145	7	on	on	ADP
fsr-3326	145	8	their	their	PRON
fsr-3326	145	9	clients	client	NOUN
fsr-3326	145	10	’	’	PART
fsr-3326	145	11	financial	financial	ADJ
fsr-3326	145	12	outcomes	outcome	NOUN
fsr-3326	145	13	depends	depend	VERB
fsr-3326	145	14	upon	upon	SCONJ
fsr-3326	145	15	the	the	DET
fsr-3326	145	16	theoretical	theoretical	ADJ
fsr-3326	145	17	lenses	lense	NOUN
fsr-3326	145	18	used	use	VERB
fsr-3326	145	19	and	and	CCONJ
fsr-3326	145	20	the	the	DET
fsr-3326	145	21	executed	execute	VERB
fsr-3326	145	22	steps	step	NOUN
fsr-3326	145	23	.	.	PUNCT
fsr-3326	146	1	second	second	ADJ
fsr-3326	146	2	,	,	PUNCT
fsr-3326	146	3	the	the	DET
fsr-3326	146	4	review	review	NOUN
fsr-3326	146	5	brings	bring	VERB
fsr-3326	146	6	forward	forward	ADV
fsr-3326	146	7	the	the	DET
fsr-3326	146	8	need	need	NOUN
fsr-3326	146	9	for	for	ADP
fsr-3326	146	10	an	an	DET
fsr-3326	146	11	integrative	integrative	ADJ
fsr-3326	146	12	model	model	NOUN
fsr-3326	146	13	,	,	PUNCT
fsr-3326	146	14	since	since	SCONJ
fsr-3326	146	15	the	the	DET
fsr-3326	146	16	articles	article	NOUN
fsr-3326	146	17	report	report	VERB
fsr-3326	146	18	divergent	divergent	ADJ
fsr-3326	146	19	results	result	NOUN
fsr-3326	146	20	.	.	PUNCT
fsr-3326	147	1	third	third	ADV
fsr-3326	147	2	,	,	PUNCT
fsr-3326	147	3	the	the	DET
fsr-3326	147	4	review	review	NOUN
fsr-3326	147	5	highlights	highlight	VERB
fsr-3326	147	6	other	other	ADJ
fsr-3326	147	7	factors	factor	NOUN
fsr-3326	147	8	,	,	PUNCT
fsr-3326	147	9	such	such	ADJ
fsr-3326	147	10	as	as	ADP
fsr-3326	147	11	the	the	DET
fsr-3326	147	12	type	type	NOUN
fsr-3326	147	13	of	of	ADP
fsr-3326	147	14	advisors	advisor	NOUN
fsr-3326	147	15	involved	involve	VERB
fsr-3326	147	16	,	,	PUNCT
fsr-3326	147	17	which	which	PRON
fsr-3326	147	18	refers	refer	VERB
fsr-3326	147	19	to	to	ADP
fsr-3326	147	20	the	the	DET
fsr-3326	147	21	holding	holding	NOUN
fsr-3326	147	22	of	of	ADP
fsr-3326	147	23	different	different	ADJ
fsr-3326	147	24	professional	professional	ADJ
fsr-3326	147	25	designations	designation	NOUN
fsr-3326	147	26	.	.	PUNCT
fsr-3326	148	1	financial	financial	ADJ
fsr-3326	148	2	advising	advising	NOUN
fsr-3326	148	3	and	and	CCONJ
fsr-3326	148	4	agency	agency	NOUN
fsr-3326	148	5	theory	theory	NOUN
fsr-3326	148	6	prior	prior	ADP
fsr-3326	148	7	research	research	NOUN
fsr-3326	148	8	reports	report	NOUN
fsr-3326	148	9	on	on	ADP
fsr-3326	148	10	the	the	DET
fsr-3326	148	11	clash	clash	NOUN
fsr-3326	148	12	of	of	ADP
fsr-3326	148	13	interests	interest	NOUN
fsr-3326	148	14	at	at	ADP
fsr-3326	148	15	an	an	DET
fsr-3326	148	16	aggregate	aggregate	ADJ
fsr-3326	148	17	level	level	NOUN
fsr-3326	148	18	(	(	PUNCT
fsr-3326	148	19	dvorak	dvorak	NOUN
fsr-3326	148	20	,	,	PUNCT
fsr-3326	148	21	2015	2015	NUM
fsr-3326	148	22	;	;	PUNCT
fsr-3326	148	23	hackethal	hackethal	VERB
fsr-3326	148	24	et	et	PROPN
fsr-3326	148	25	al	al	PROPN
fsr-3326	148	26	.	.	PROPN
fsr-3326	148	27	,	,	PUNCT
fsr-3326	148	28	2012	2012	NUM
fsr-3326	148	29	;	;	PUNCT
fsr-3326	148	30	mullainathan	mullainathan	PROPN
fsr-3326	148	31	et	et	PROPN
fsr-3326	148	32	al	al	PROPN
fsr-3326	148	33	.	.	PROPN
fsr-3326	148	34	,	,	PUNCT
fsr-3326	148	35	2012	2012	NUM
fsr-3326	148	36	)	)	PUNCT
fsr-3326	148	37	,	,	PUNCT
fsr-3326	148	38	as	as	ADV
fsr-3326	148	39	well	well	ADV
fsr-3326	148	40	as	as	ADP
fsr-3326	148	41	at	at	ADP
fsr-3326	148	42	specific	specific	ADJ
fsr-3326	148	43	steps	step	NOUN
fsr-3326	148	44	(	(	PUNCT
fsr-3326	148	45	angelova	angelova	PROPN
fsr-3326	148	46	&	&	CCONJ
fsr-3326	148	47	regner	regner	PROPN
fsr-3326	148	48	,	,	PUNCT
fsr-3326	148	49	2013	2013	NUM
fsr-3326	148	50	,	,	PUNCT
fsr-3326	148	51	2018	2018	NUM
fsr-3326	148	52	;	;	PUNCT
fsr-3326	148	53	chalmers	chalmers	PROPN
fsr-3326	148	54	&	&	CCONJ
fsr-3326	148	55	reuter	reuter	PROPN
fsr-3326	148	56	,	,	PUNCT
fsr-3326	148	57	2020	2020	NUM
fsr-3326	148	58	;	;	PUNCT
fsr-3326	148	59	foerster	foerster	PROPN
fsr-3326	148	60	et	et	PROPN
fsr-3326	148	61	al	al	PROPN
fsr-3326	148	62	.	.	PROPN
fsr-3326	148	63	,	,	PUNCT
fsr-3326	148	64	2017	2017	NUM
fsr-3326	148	65	)	)	PUNCT
fsr-3326	148	66	.	.	PUNCT
fsr-3326	149	1	advisors	advisor	NOUN
fsr-3326	149	2	can	can	AUX
fsr-3326	149	3	maximize	maximize	VERB
fsr-3326	149	4	their	their	PRON
fsr-3326	149	5	own	own	ADJ
fsr-3326	149	6	interest	interest	NOUN
fsr-3326	149	7	at	at	ADP
fsr-3326	149	8	the	the	DET
fsr-3326	149	9	expense	expense	NOUN
fsr-3326	149	10	of	of	ADP
fsr-3326	149	11	their	their	PRON
fsr-3326	149	12	clients	client	NOUN
fsr-3326	149	13	,	,	PUNCT
fsr-3326	149	14	first	first	ADV
fsr-3326	149	15	by	by	ADP
fsr-3326	149	16	taking	take	VERB
fsr-3326	149	17	financial	financial	ADJ
fsr-3326	149	18	advantage	advantage	NOUN
fsr-3326	149	19	of	of	ADP
fsr-3326	149	20	third	third	ADJ
fsr-3326	149	21	-	-	PUNCT
fsr-3326	149	22	party	party	NOUN
fsr-3326	149	23	offerings	offering	NOUN
fsr-3326	149	24	when	when	SCONJ
fsr-3326	149	25	issuing	issue	VERB
fsr-3326	149	26	a	a	DET
fsr-3326	149	27	recommendation	recommendation	NOUN
fsr-3326	149	28	and	and	CCONJ
fsr-3326	149	29	monitoring	monitoring	NOUN
fsr-3326	149	30	(	(	PUNCT
fsr-3326	149	31	anagol	anagol	NOUN
fsr-3326	149	32	et	et	PROPN
fsr-3326	149	33	al	al	PROPN
fsr-3326	149	34	.	.	PROPN
fsr-3326	149	35	,	,	PUNCT
fsr-3326	149	36	2017	2017	NUM
fsr-3326	149	37	;	;	PUNCT
fsr-3326	149	38	christoffersen	christoffersen	VERB
fsr-3326	149	39	et	et	PROPN
fsr-3326	149	40	al	al	PROPN
fsr-3326	149	41	.	.	PROPN
fsr-3326	149	42	,	,	PUNCT
fsr-3326	149	43	2013	2013	NUM
fsr-3326	149	44	;	;	PUNCT
fsr-3326	149	45	hackethal	hackethal	VERB
fsr-3326	149	46	et	et	PROPN
fsr-3326	149	47	al	al	PROPN
fsr-3326	149	48	.	.	PROPN
fsr-3326	149	49	,	,	PUNCT
fsr-3326	149	50	2012	2012	NUM
fsr-3326	149	51	)	)	PUNCT
fsr-3326	149	52	,	,	PUNCT
fsr-3326	149	53	and	and	CCONJ
fsr-3326	149	54	second	second	ADV
fsr-3326	149	55	by	by	ADP
fsr-3326	149	56	providing	provide	VERB
fsr-3326	149	57	minimal	minimal	ADJ
fsr-3326	149	58	effort	effort	NOUN
fsr-3326	149	59	when	when	SCONJ
fsr-3326	149	60	analyzing	analyze	VERB
fsr-3326	149	61	and	and	CCONJ
fsr-3326	149	62	monitoring	monitoring	NOUN
fsr-3326	149	63	(	(	PUNCT
fsr-3326	149	64	dvorak	dvorak	NOUN
fsr-3326	149	65	,	,	PUNCT
fsr-3326	149	66	2015	2015	NUM
fsr-3326	149	67	;	;	PUNCT
fsr-3326	149	68	liu	liu	PROPN
fsr-3326	149	69	,	,	PUNCT
fsr-3326	149	70	2005	2005	NUM
fsr-3326	149	71	)	)	PUNCT
fsr-3326	149	72	.	.	PUNCT
fsr-3326	150	1	the	the	DET
fsr-3326	150	2	financial	financial	ADJ
fsr-3326	150	3	advisor	advisor	NOUN
fsr-3326	150	4	’s	’s	PART
fsr-3326	150	5	effort	effort	NOUN
fsr-3326	150	6	is	be	AUX
fsr-3326	150	7	mainly	mainly	ADV
fsr-3326	150	8	observed	observe	VERB
fsr-3326	150	9	through	through	ADP
fsr-3326	150	10	the	the	DET
fsr-3326	150	11	customization	customization	NOUN
fsr-3326	150	12	of	of	ADP
fsr-3326	150	13	their	their	PRON
fsr-3326	150	14	clients	client	NOUN
fsr-3326	150	15	’	’	PART
fsr-3326	150	16	portfolios	portfolio	NOUN
fsr-3326	150	17	.	.	PUNCT
fsr-3326	151	1	in	in	ADP
fsr-3326	151	2	a	a	DET
fsr-3326	151	3	comparative	comparative	ADJ
fsr-3326	151	4	analysis	analysis	NOUN
fsr-3326	151	5	of	of	ADP
fsr-3326	151	6	advisory	advisory	ADJ
fsr-3326	151	7	firms	firm	NOUN
fsr-3326	151	8	’	’	PART
fsr-3326	151	9	retirement	retirement	NOUN
fsr-3326	151	10	plans	plan	NOUN
fsr-3326	151	11	and	and	CCONJ
fsr-3326	151	12	their	their	PRON
fsr-3326	151	13	clients	client	NOUN
fsr-3326	151	14	’	’	PART
fsr-3326	151	15	retirement	retirement	NOUN
fsr-3326	151	16	plans	plan	NOUN
fsr-3326	151	17	,	,	PUNCT
fsr-3326	151	18	dvorak	dvorak	PROPN
fsr-3326	151	19	(	(	PUNCT
fsr-3326	151	20	2015	2015	NUM
fsr-3326	151	21	)	)	PUNCT
fsr-3326	151	22	shows	show	VERB
fsr-3326	151	23	that	that	SCONJ
fsr-3326	151	24	both	both	DET
fsr-3326	151	25	retirement	retirement	NOUN
fsr-3326	151	26	plans	plan	NOUN
fsr-3326	151	27	are	be	AUX
fsr-3326	151	28	very	very	ADV
fsr-3326	151	29	similar	similar	ADJ
fsr-3326	151	30	,	,	PUNCT
fsr-3326	151	31	with	with	ADP
fsr-3326	151	32	the	the	DET
fsr-3326	151	33	exception	exception	NOUN
fsr-3326	151	34	that	that	PRON
fsr-3326	151	35	plans	plan	NOUN
fsr-3326	151	36	offered	offer	VERB
fsr-3326	151	37	to	to	ADP
fsr-3326	151	38	clients	client	NOUN
fsr-3326	151	39	favor	favor	VERB
fsr-3326	151	40	investments	investment	NOUN
fsr-3326	151	41	with	with	ADP
fsr-3326	151	42	higher	high	ADJ
fsr-3326	151	43	fees	fee	NOUN
fsr-3326	151	44	.	.	PUNCT
fsr-3326	152	1	advisors	advisor	NOUN
fsr-3326	152	2	minimize	minimize	VERB
fsr-3326	152	3	the	the	DET
fsr-3326	152	4	effort	effort	NOUN
fsr-3326	152	5	and	and	CCONJ
fsr-3326	152	6	maximize	maximize	VERB
fsr-3326	152	7	the	the	DET
fsr-3326	152	8	fees	fee	NOUN
fsr-3326	152	9	charged	charge	VERB
fsr-3326	152	10	to	to	ADP
fsr-3326	152	11	clients	client	NOUN
fsr-3326	152	12	by	by	ADP
fsr-3326	152	13	limiting	limit	VERB
fsr-3326	152	14	the	the	DET
fsr-3326	152	15	customization	customization	NOUN
fsr-3326	152	16	of	of	ADP
fsr-3326	152	17	clients	client	NOUN
fsr-3326	152	18	’	’	PART
fsr-3326	152	19	retirement	retirement	NOUN
fsr-3326	152	20	plans	plan	NOUN
fsr-3326	152	21	.	.	PUNCT
fsr-3326	153	1	similarly	similarly	ADV
fsr-3326	153	2	,	,	PUNCT
fsr-3326	153	3	foerster	foerster	PROPN
fsr-3326	153	4	et	et	PROPN
fsr-3326	153	5	al	al	PROPN
fsr-3326	153	6	.	.	PROPN
fsr-3326	154	1	(	(	PUNCT
fsr-3326	154	2	2017	2017	NUM
fsr-3326	154	3	)	)	PUNCT
fsr-3326	154	4	find	find	VERB
fsr-3326	154	5	that	that	SCONJ
fsr-3326	154	6	advisors	advisor	NOUN
fsr-3326	154	7	offer	offer	VERB
fsr-3326	154	8	an	an	DET
fsr-3326	154	9	imperfect	imperfect	ADJ
fsr-3326	154	10	copy	copy	NOUN
fsr-3326	154	11	of	of	ADP
fsr-3326	154	12	their	their	PRON
fsr-3326	154	13	personal	personal	ADJ
fsr-3326	154	14	portfolio	portfolio	NOUN
fsr-3326	154	15	to	to	ADP
fsr-3326	154	16	their	their	PRON
fsr-3326	154	17	clients	client	NOUN
fsr-3326	154	18	.	.	PUNCT
fsr-3326	155	1	by	by	ADP
fsr-3326	155	2	recommending	recommend	VERB
fsr-3326	155	3	a	a	DET
fsr-3326	155	4	comparable	comparable	ADJ
fsr-3326	155	5	asset	asset	NOUN
fsr-3326	155	6	allocation	allocation	NOUN
fsr-3326	155	7	base	base	NOUN
fsr-3326	155	8	to	to	ADP
fsr-3326	155	9	all	all	DET
fsr-3326	155	10	clients	client	NOUN
fsr-3326	155	11	,	,	PUNCT
fsr-3326	155	12	advisors	advisor	NOUN
fsr-3326	155	13	limit	limit	VERB
fsr-3326	155	14	their	their	PRON
fsr-3326	155	15	efforts	effort	NOUN
fsr-3326	155	16	while	while	SCONJ
fsr-3326	155	17	receiving	receive	VERB
fsr-3326	155	18	compensation	compensation	NOUN
fsr-3326	155	19	for	for	ADP
fsr-3326	155	20	the	the	DET
fsr-3326	155	21	actions	action	NOUN
fsr-3326	155	22	taken	take	VERB
fsr-3326	155	23	.	.	PUNCT
fsr-3326	156	1	foerster	foerster	PROPN
fsr-3326	156	2	et	et	PROPN
fsr-3326	156	3	al	al	PROPN
fsr-3326	156	4	.	.	PROPN
fsr-3326	157	1	(	(	PUNCT
fsr-3326	157	2	2017	2017	NUM
fsr-3326	157	3	)	)	PUNCT
fsr-3326	157	4	estimate	estimate	NOUN
fsr-3326	157	5	that	that	SCONJ
fsr-3326	157	6	clients	client	NOUN
fsr-3326	157	7	annually	annually	ADV
fsr-3326	157	8	pay	pay	VERB
fsr-3326	157	9	fees	fee	NOUN
fsr-3326	157	10	of	of	ADP
fsr-3326	157	11	around	around	ADP
fsr-3326	157	12	2.5	2.5	NUM
fsr-3326	157	13	%	%	NOUN
fsr-3326	157	14	of	of	ADP
fsr-3326	157	15	their	their	PRON
fsr-3326	157	16	assets	asset	NOUN
fsr-3326	157	17	to	to	PART
fsr-3326	157	18	obtain	obtain	VERB
fsr-3326	157	19	the	the	DET
fsr-3326	157	20	same	same	ADJ
fsr-3326	157	21	advice	advice	NOUN
fsr-3326	157	22	given	give	VERB
fsr-3326	157	23	to	to	ADP
fsr-3326	157	24	all	all	DET
fsr-3326	157	25	other	other	ADJ
fsr-3326	157	26	clients	client	NOUN
fsr-3326	157	27	.	.	PUNCT
fsr-3326	158	1	bolton	bolton	PROPN
fsr-3326	158	2	et	et	PROPN
fsr-3326	158	3	al	al	PROPN
fsr-3326	158	4	.	.	PROPN
fsr-3326	159	1	(	(	PUNCT
fsr-3326	159	2	2007	2007	NUM
fsr-3326	159	3	)	)	PUNCT
fsr-3326	159	4	find	find	VERB
fsr-3326	159	5	that	that	SCONJ
fsr-3326	159	6	if	if	SCONJ
fsr-3326	159	7	higher	high	ADJ
fsr-3326	159	8	fees	fee	NOUN
fsr-3326	159	9	can	can	AUX
fsr-3326	159	10	be	be	AUX
fsr-3326	159	11	earned	earn	VERB
fsr-3326	159	12	,	,	PUNCT
fsr-3326	159	13	the	the	PRON
fsr-3326	159	14	more	more	ADV
fsr-3326	159	15	the	the	DET
fsr-3326	159	16	recommendations	recommendation	NOUN
fsr-3326	159	17	will	will	AUX
fsr-3326	159	18	be	be	AUX
fsr-3326	159	19	detrimental	detrimental	ADJ
fsr-3326	159	20	to	to	ADP
fsr-3326	159	21	the	the	DET
fsr-3326	159	22	client	client	NOUN
fsr-3326	159	23	.	.	PUNCT
fsr-3326	160	1	other	other	ADJ
fsr-3326	160	2	tactics	tactic	NOUN
fsr-3326	160	3	used	use	VERB
fsr-3326	160	4	by	by	ADP
fsr-3326	160	5	advisors	advisor	NOUN
fsr-3326	160	6	include	include	VERB
fsr-3326	160	7	pressing	press	VERB
fsr-3326	160	8	clients	client	NOUN
fsr-3326	160	9	to	to	PART
fsr-3326	160	10	make	make	VERB
fsr-3326	160	11	more	more	ADJ
fsr-3326	160	12	trades	trade	NOUN
fsr-3326	160	13	,	,	PUNCT
fsr-3326	160	14	which	which	PRON
fsr-3326	160	15	increases	increase	VERB
fsr-3326	160	16	advisors	advisor	NOUN
fsr-3326	160	17	’	'	PUNCT
fsr-3326	160	18	fees	fee	NOUN
fsr-3326	160	19	(	(	PUNCT
fsr-3326	160	20	hackethal	hackethal	VERB
fsr-3326	160	21	et	et	PROPN
fsr-3326	160	22	al	al	PROPN
fsr-3326	160	23	.	.	PROPN
fsr-3326	160	24	,	,	PUNCT
fsr-3326	160	25	2012	2012	NUM
fsr-3326	160	26	;	;	PUNCT
fsr-3326	160	27	hoechle	hoechle	NOUN
fsr-3326	160	28	et	et	PROPN
fsr-3326	160	29	al	al	PROPN
fsr-3326	160	30	.	.	PROPN
fsr-3326	160	31	,	,	PUNCT
fsr-3326	160	32	2017	2017	NUM
fsr-3326	160	33	)	)	PUNCT
fsr-3326	160	34	,	,	PUNCT
fsr-3326	160	35	or	or	CCONJ
fsr-3326	160	36	recommending	recommend	VERB
fsr-3326	160	37	a	a	DET
fsr-3326	160	38	suboptimal	suboptimal	ADJ
fsr-3326	160	39	or	or	CCONJ
fsr-3326	160	40	wrong	wrong	ADJ
fsr-3326	160	41	investment	investment	NOUN
fsr-3326	160	42	option	option	NOUN
fsr-3326	160	43	to	to	ADP
fsr-3326	160	44	clients	client	NOUN
fsr-3326	160	45	while	while	SCONJ
fsr-3326	160	46	favoring	favor	VERB
fsr-3326	160	47	advisors	advisor	NOUN
fsr-3326	160	48	’	'	PUNCT
fsr-3326	160	49	fees	fee	NOUN
fsr-3326	160	50	(	(	PUNCT
fsr-3326	160	51	angelova	angelova	PROPN
fsr-3326	160	52	&	&	CCONJ
fsr-3326	160	53	regner	regner	PROPN
fsr-3326	160	54	,	,	PUNCT
fsr-3326	160	55	2013	2013	NUM
fsr-3326	160	56	,	,	PUNCT
fsr-3326	160	57	2018	2018	NUM
fsr-3326	160	58	;	;	PUNCT
fsr-3326	160	59	kingston	kingston	PROPN
fsr-3326	160	60	&	&	CCONJ
fsr-3326	160	61	weng	weng	PROPN
fsr-3326	160	62	,	,	PUNCT
fsr-3326	160	63	2014	2014	NUM
fsr-3326	160	64	)	)	PUNCT
fsr-3326	160	65	.	.	PUNCT
fsr-3326	161	1	in	in	ADP
fsr-3326	161	2	short	short	ADJ
fsr-3326	161	3	,	,	PUNCT
fsr-3326	161	4	consistent	consistent	ADJ
fsr-3326	161	5	with	with	ADP
fsr-3326	161	6	an	an	DET
fsr-3326	161	7	agency	agency	NOUN
fsr-3326	161	8	theory	theory	NOUN
fsr-3326	161	9	perspective	perspective	NOUN
fsr-3326	161	10	,	,	PUNCT
fsr-3326	161	11	some	some	DET
fsr-3326	161	12	advisors	advisor	NOUN
fsr-3326	161	13	prioritize	prioritize	VERB
fsr-3326	161	14	their	their	PRON
fsr-3326	161	15	own	own	ADJ
fsr-3326	161	16	interests	interest	NOUN
fsr-3326	161	17	over	over	ADP
fsr-3326	161	18	their	their	PRON
fsr-3326	161	19	clients	client	NOUN
fsr-3326	161	20	’	’	PART
fsr-3326	161	21	interests	interest	NOUN
fsr-3326	161	22	(	(	PUNCT
fsr-3326	161	23	burke	burke	PROPN
fsr-3326	161	24	et	et	PROPN
fsr-3326	161	25	al	al	PROPN
fsr-3326	161	26	.	.	PROPN
fsr-3326	161	27	,	,	PUNCT
fsr-3326	161	28	2015	2015	NUM
fsr-3326	161	29	)	)	PUNCT
fsr-3326	161	30	.	.	PUNCT
fsr-3326	162	1	pilote	pilote	PROPN
fsr-3326	162	2	et	et	PROPN
fsr-3326	162	3	al	al	PROPN
fsr-3326	162	4	.	.	PROPN
fsr-3326	162	5	40	40	NUM
fsr-3326	162	6	however	however	ADV
fsr-3326	162	7	,	,	PUNCT
fsr-3326	162	8	a	a	DET
fsr-3326	162	9	long	long	ADJ
fsr-3326	162	10	-	-	PUNCT
fsr-3326	162	11	term	term	NOUN
fsr-3326	162	12	horizon	horizon	NOUN
fsr-3326	162	13	relationship	relationship	NOUN
fsr-3326	162	14	(	(	PUNCT
fsr-3326	162	15	jarratt	jarratt	PROPN
fsr-3326	162	16	et	et	PROPN
fsr-3326	162	17	al	al	PROPN
fsr-3326	162	18	.	.	PROPN
fsr-3326	162	19	,	,	PUNCT
fsr-3326	162	20	2007	2007	NUM
fsr-3326	162	21	)	)	PUNCT
fsr-3326	162	22	,	,	PUNCT
fsr-3326	162	23	a	a	DET
fsr-3326	162	24	competitive	competitive	ADJ
fsr-3326	162	25	market	market	NOUN
fsr-3326	162	26	(	(	PUNCT
fsr-3326	162	27	bolton	bolton	PROPN
fsr-3326	162	28	et	et	PROPN
fsr-3326	162	29	al	al	PROPN
fsr-3326	162	30	.	.	PROPN
fsr-3326	162	31	,	,	PUNCT
fsr-3326	162	32	2007	2007	NUM
fsr-3326	162	33	;	;	PUNCT
fsr-3326	162	34	stoughton	stoughton	PROPN
fsr-3326	162	35	et	et	PROPN
fsr-3326	162	36	al	al	PROPN
fsr-3326	162	37	.	.	PROPN
fsr-3326	162	38	,	,	PUNCT
fsr-3326	162	39	2011	2011	NUM
fsr-3326	162	40	)	)	PUNCT
fsr-3326	162	41	,	,	PUNCT
fsr-3326	162	42	and	and	CCONJ
fsr-3326	162	43	the	the	DET
fsr-3326	162	44	setting	setting	NOUN
fsr-3326	162	45	up	up	ADP
fsr-3326	162	46	of	of	ADP
fsr-3326	162	47	control	control	NOUN
fsr-3326	162	48	mechanisms	mechanism	NOUN
fsr-3326	162	49	(	(	PUNCT
fsr-3326	162	50	calcagno	calcagno	NOUN
fsr-3326	162	51	et	et	PROPN
fsr-3326	162	52	al	al	PROPN
fsr-3326	162	53	.	.	PROPN
fsr-3326	162	54	,	,	PUNCT
fsr-3326	162	55	2017	2017	NUM
fsr-3326	162	56	)	)	PUNCT
fsr-3326	162	57	do	do	AUX
fsr-3326	162	58	mitigate	mitigate	VERB
fsr-3326	162	59	the	the	DET
fsr-3326	162	60	conflict	conflict	NOUN
fsr-3326	162	61	of	of	ADP
fsr-3326	162	62	interests	interest	NOUN
fsr-3326	162	63	in	in	ADP
fsr-3326	162	64	financial	financial	ADJ
fsr-3326	162	65	advising	advising	NOUN
fsr-3326	162	66	.	.	PUNCT
fsr-3326	163	1	considering	consider	VERB
fsr-3326	163	2	the	the	DET
fsr-3326	163	3	precarious	precarious	ADJ
fsr-3326	163	4	position	position	NOUN
fsr-3326	163	5	of	of	ADP
fsr-3326	163	6	the	the	DET
fsr-3326	163	7	clients	client	NOUN
fsr-3326	163	8	,	,	PUNCT
fsr-3326	163	9	chalmers	chalmer	NOUN
fsr-3326	163	10	and	and	CCONJ
fsr-3326	163	11	reuter	reuter	PROPN
fsr-3326	163	12	(	(	PUNCT
fsr-3326	163	13	2020	2020	NUM
fsr-3326	163	14	)	)	PUNCT
fsr-3326	163	15	even	even	ADV
fsr-3326	163	16	suggest	suggest	VERB
fsr-3326	163	17	that	that	SCONJ
fsr-3326	163	18	an	an	DET
fsr-3326	163	19	individual	individual	NOUN
fsr-3326	163	20	would	would	AUX
fsr-3326	163	21	receive	receive	VERB
fsr-3326	163	22	a	a	DET
fsr-3326	163	23	better	well	ADJ
fsr-3326	163	24	service	service	NOUN
fsr-3326	163	25	from	from	ADP
fsr-3326	163	26	well	well	ADV
fsr-3326	163	27	-	-	PUNCT
fsr-3326	163	28	constructed	construct	VERB
fsr-3326	163	29	default	default	NOUN
fsr-3326	163	30	financial	financial	ADJ
fsr-3326	163	31	advice	advice	NOUN
fsr-3326	163	32	than	than	ADP
fsr-3326	163	33	from	from	ADP
fsr-3326	163	34	a	a	DET
fsr-3326	163	35	conflicted	conflicted	ADJ
fsr-3326	163	36	financial	financial	ADJ
fsr-3326	163	37	advisor	advisor	NOUN
fsr-3326	163	38	.	.	PUNCT
fsr-3326	164	1	for	for	ADP
fsr-3326	164	2	instance	instance	NOUN
fsr-3326	164	3	,	,	PUNCT
fsr-3326	164	4	advanced	advanced	ADJ
fsr-3326	164	5	software	software	NOUN
fsr-3326	164	6	makes	make	VERB
fsr-3326	164	7	it	it	PRON
fsr-3326	164	8	possible	possible	ADJ
fsr-3326	164	9	nowadays	nowadays	ADV
fsr-3326	164	10	to	to	PART
fsr-3326	164	11	obtain	obtain	VERB
fsr-3326	164	12	such	such	ADJ
fsr-3326	164	13	default	default	NOUN
fsr-3326	164	14	financial	financial	ADJ
fsr-3326	164	15	advice	advice	NOUN
fsr-3326	164	16	at	at	ADP
fsr-3326	164	17	a	a	DET
fsr-3326	164	18	low	low	ADJ
fsr-3326	164	19	cost	cost	NOUN
fsr-3326	164	20	.	.	PUNCT
fsr-3326	165	1	financial	financial	ADJ
fsr-3326	165	2	advising	advising	NOUN
fsr-3326	165	3	and	and	CCONJ
fsr-3326	165	4	trust	trust	NOUN
fsr-3326	165	5	theory	theory	NOUN
fsr-3326	165	6	clients	client	NOUN
fsr-3326	165	7	may	may	AUX
fsr-3326	165	8	either	either	CCONJ
fsr-3326	165	9	fully	fully	ADV
fsr-3326	165	10	trust	trust	VERB
fsr-3326	165	11	their	their	PRON
fsr-3326	165	12	advisor	advisor	NOUN
fsr-3326	165	13	and	and	CCONJ
fsr-3326	165	14	thereby	thereby	ADV
fsr-3326	165	15	consent	consent	VERB
fsr-3326	165	16	to	to	ADP
fsr-3326	165	17	the	the	DET
fsr-3326	165	18	advisor	advisor	NOUN
fsr-3326	165	19	’s	’s	PART
fsr-3326	165	20	power	power	NOUN
fsr-3326	165	21	on	on	ADP
fsr-3326	165	22	their	their	PRON
fsr-3326	165	23	financial	financial	ADJ
fsr-3326	165	24	outcomes	outcome	NOUN
fsr-3326	165	25	,	,	PUNCT
fsr-3326	165	26	or	or	CCONJ
fsr-3326	165	27	they	they	PRON
fsr-3326	165	28	may	may	AUX
fsr-3326	165	29	not	not	PART
fsr-3326	165	30	fully	fully	ADV
fsr-3326	165	31	trust	trust	VERB
fsr-3326	165	32	the	the	DET
fsr-3326	165	33	advisor	advisor	NOUN
fsr-3326	165	34	,	,	PUNCT
fsr-3326	165	35	for	for	ADP
fsr-3326	165	36	a	a	DET
fsr-3326	165	37	variety	variety	NOUN
fsr-3326	165	38	of	of	ADP
fsr-3326	165	39	reasons	reason	NOUN
fsr-3326	165	40	,	,	PUNCT
fsr-3326	165	41	and	and	CCONJ
fsr-3326	165	42	will	will	AUX
fsr-3326	165	43	prefer	prefer	VERB
fsr-3326	165	44	to	to	PART
fsr-3326	165	45	limit	limit	VERB
fsr-3326	165	46	the	the	DET
fsr-3326	165	47	advisor	advisor	NOUN
fsr-3326	165	48	’s	’s	PART
fsr-3326	165	49	impact	impact	NOUN
fsr-3326	165	50	.	.	PUNCT
fsr-3326	166	1	related	relate	VERB
fsr-3326	166	2	to	to	ADP
fsr-3326	166	3	financial	financial	ADJ
fsr-3326	166	4	advising	advising	NOUN
fsr-3326	166	5	,	,	PUNCT
fsr-3326	166	6	two	two	NUM
fsr-3326	166	7	steps	step	NOUN
fsr-3326	166	8	prove	prove	VERB
fsr-3326	166	9	critical	critical	ADJ
fsr-3326	166	10	regarding	regard	VERB
fsr-3326	166	11	the	the	DET
fsr-3326	166	12	trust	trust	NOUN
fsr-3326	166	13	relationship	relationship	NOUN
fsr-3326	166	14	:	:	PUNCT
fsr-3326	166	15	the	the	DET
fsr-3326	166	16	agreeing	agree	VERB
fsr-3326	166	17	step	step	NOUN
fsr-3326	166	18	,	,	PUNCT
fsr-3326	166	19	when	when	SCONJ
fsr-3326	166	20	the	the	DET
fsr-3326	166	21	client	client	NOUN
fsr-3326	166	22	chooses	choose	VERB
fsr-3326	166	23	to	to	ADP
fsr-3326	166	24	either	either	PRON
fsr-3326	166	25	delegate	delegate	VERB
fsr-3326	166	26	or	or	CCONJ
fsr-3326	166	27	consult	consult	VERB
fsr-3326	166	28	the	the	DET
fsr-3326	166	29	advisor	advisor	NOUN
fsr-3326	166	30	on	on	ADP
fsr-3326	166	31	an	an	DET
fsr-3326	166	32	ad	ad	NOUN
fsr-3326	166	33	hoc	hoc	X
fsr-3326	166	34	basis	basis	NOUN
fsr-3326	166	35	,	,	PUNCT
fsr-3326	166	36	and	and	CCONJ
fsr-3326	166	37	the	the	DET
fsr-3326	166	38	implementing	implement	VERB
fsr-3326	166	39	step	step	NOUN
fsr-3326	166	40	,	,	PUNCT
fsr-3326	166	41	where	where	SCONJ
fsr-3326	166	42	the	the	DET
fsr-3326	166	43	client	client	NOUN
fsr-3326	166	44	relies	rely	VERB
fsr-3326	166	45	on	on	ADP
fsr-3326	166	46	the	the	DET
fsr-3326	166	47	advisor	advisor	NOUN
fsr-3326	166	48	’s	’s	PART
fsr-3326	166	49	recommendations	recommendation	NOUN
fsr-3326	166	50	.	.	PUNCT
fsr-3326	167	1	our	our	PRON
fsr-3326	167	2	review	review	NOUN
fsr-3326	167	3	reveals	reveal	VERB
fsr-3326	167	4	two	two	NUM
fsr-3326	167	5	main	main	ADJ
fsr-3326	167	6	findings	finding	NOUN
fsr-3326	167	7	related	relate	VERB
fsr-3326	167	8	to	to	ADP
fsr-3326	167	9	trust	trust	NOUN
fsr-3326	167	10	theory	theory	NOUN
fsr-3326	167	11	.	.	PUNCT
fsr-3326	168	1	first	first	ADV
fsr-3326	168	2	,	,	PUNCT
fsr-3326	168	3	the	the	PRON
fsr-3326	168	4	more	more	ADV
fsr-3326	168	5	the	the	DET
fsr-3326	168	6	client	client	NOUN
fsr-3326	168	7	trusts	trust	VERB
fsr-3326	168	8	the	the	DET
fsr-3326	168	9	advisor	advisor	NOUN
fsr-3326	168	10	,	,	PUNCT
fsr-3326	168	11	the	the	PRON
fsr-3326	168	12	more	more	ADV
fsr-3326	168	13	likely	likely	ADJ
fsr-3326	168	14	it	it	PRON
fsr-3326	168	15	is	be	AUX
fsr-3326	168	16	that	that	SCONJ
fsr-3326	168	17	the	the	DET
fsr-3326	168	18	client	client	NOUN
fsr-3326	168	19	will	will	AUX
fsr-3326	168	20	completely	completely	ADV
fsr-3326	168	21	delegate	delegate	VERB
fsr-3326	168	22	to	to	ADP
fsr-3326	168	23	the	the	DET
fsr-3326	168	24	advisor	advisor	NOUN
fsr-3326	168	25	(	(	PUNCT
fsr-3326	168	26	calcagno	calcagno	NOUN
fsr-3326	168	27	et	et	PROPN
fsr-3326	168	28	al	al	PROPN
fsr-3326	168	29	.	.	PROPN
fsr-3326	168	30	,	,	PUNCT
fsr-3326	168	31	2017	2017	NUM
fsr-3326	168	32	;	;	PUNCT
fsr-3326	169	1	gennaioli	gennaioli	X
fsr-3326	169	2	et	et	PROPN
fsr-3326	169	3	al	al	PROPN
fsr-3326	169	4	.	.	PROPN
fsr-3326	169	5	,	,	PUNCT
fsr-3326	169	6	2015	2015	NUM
fsr-3326	169	7	;	;	PUNCT
fsr-3326	169	8	monti	monti	PROPN
fsr-3326	169	9	et	et	PROPN
fsr-3326	169	10	al	al	PROPN
fsr-3326	169	11	.	.	PROPN
fsr-3326	169	12	,	,	PUNCT
fsr-3326	169	13	2014	2014	NUM
fsr-3326	169	14	)	)	PUNCT
fsr-3326	169	15	.	.	PUNCT
fsr-3326	170	1	second	second	ADJ
fsr-3326	170	2	,	,	PUNCT
fsr-3326	170	3	the	the	PRON
fsr-3326	170	4	more	more	ADV
fsr-3326	170	5	the	the	DET
fsr-3326	170	6	client	client	NOUN
fsr-3326	170	7	trusts	trust	VERB
fsr-3326	170	8	the	the	DET
fsr-3326	170	9	advisor	advisor	NOUN
fsr-3326	170	10	,	,	PUNCT
fsr-3326	170	11	the	the	DET
fsr-3326	170	12	more	more	ADV
fsr-3326	170	13	likely	likely	ADJ
fsr-3326	170	14	is	be	AUX
fsr-3326	170	15	it	it	PRON
fsr-3326	170	16	that	that	SCONJ
fsr-3326	170	17	the	the	DET
fsr-3326	170	18	client	client	NOUN
fsr-3326	170	19	follows	follow	VERB
fsr-3326	170	20	the	the	DET
fsr-3326	170	21	advisor	advisor	NOUN
fsr-3326	170	22	’s	’s	PART
fsr-3326	170	23	recommendations	recommendation	NOUN
fsr-3326	170	24	(	(	PUNCT
fsr-3326	170	25	barnett	barnett	PROPN
fsr-3326	170	26	white	white	PROPN
fsr-3326	170	27	,	,	PUNCT
fsr-3326	170	28	2005	2005	NUM
fsr-3326	170	29	;	;	PUNCT
fsr-3326	170	30	deng	deng	PROPN
fsr-3326	170	31	&	&	CCONJ
fsr-3326	170	32	liu	liu	PROPN
fsr-3326	170	33	,	,	PUNCT
fsr-3326	170	34	2017	2017	NUM
fsr-3326	170	35	;	;	PUNCT
fsr-3326	170	36	eriksson	eriksson	PROPN
fsr-3326	170	37	&	&	CCONJ
fsr-3326	170	38	hermansson	hermansson	PROPN
fsr-3326	170	39	,	,	PUNCT
fsr-3326	170	40	2019	2019	NUM
fsr-3326	170	41	;	;	PUNCT
fsr-3326	170	42	georgarakos	georgarakos	PROPN
fsr-3326	170	43	&	&	CCONJ
fsr-3326	170	44	inderst	inderst	PROPN
fsr-3326	170	45	,	,	PUNCT
fsr-3326	170	46	2014	2014	NUM
fsr-3326	170	47	;	;	PUNCT
fsr-3326	170	48	johnson	johnson	PROPN
fsr-3326	170	49	&	&	CCONJ
fsr-3326	170	50	grayson	grayson	PROPN
fsr-3326	170	51	,	,	PUNCT
fsr-3326	170	52	2005	2005	NUM
fsr-3326	170	53	;	;	PUNCT
fsr-3326	170	54	lachance	lachance	PROPN
fsr-3326	170	55	&	&	CCONJ
fsr-3326	170	56	tang	tang	PROPN
fsr-3326	170	57	,	,	PUNCT
fsr-3326	170	58	2012	2012	NUM
fsr-3326	170	59	;	;	PUNCT
fsr-3326	170	60	pauls	pauls	PROPN
fsr-3326	170	61	et	et	PROPN
fsr-3326	170	62	al	al	PROPN
fsr-3326	170	63	.	.	PROPN
fsr-3326	170	64	,	,	PUNCT
fsr-3326	170	65	2016	2016	NUM
fsr-3326	170	66	)	)	PUNCT
fsr-3326	170	67	.	.	PUNCT
fsr-3326	171	1	moreover	moreover	ADV
fsr-3326	171	2	,	,	PUNCT
fsr-3326	171	3	trust	trust	NOUN
fsr-3326	171	4	does	do	AUX
fsr-3326	171	5	allow	allow	VERB
fsr-3326	171	6	clients	client	NOUN
fsr-3326	171	7	to	to	PART
fsr-3326	171	8	relieve	relieve	VERB
fsr-3326	171	9	themselves	themselves	PRON
fsr-3326	171	10	of	of	ADP
fsr-3326	171	11	the	the	DET
fsr-3326	171	12	mental	mental	ADJ
fsr-3326	171	13	burden	burden	NOUN
fsr-3326	171	14	of	of	ADP
fsr-3326	171	15	managing	manage	VERB
fsr-3326	171	16	their	their	PRON
fsr-3326	171	17	finances	finance	NOUN
fsr-3326	171	18	.	.	PUNCT
fsr-3326	172	1	for	for	ADP
fsr-3326	172	2	instance	instance	NOUN
fsr-3326	172	3	,	,	PUNCT
fsr-3326	172	4	in	in	ADP
fsr-3326	172	5	the	the	DET
fsr-3326	172	6	context	context	NOUN
fsr-3326	172	7	of	of	ADP
fsr-3326	172	8	a	a	DET
fsr-3326	172	9	laboratory	laboratory	NOUN
fsr-3326	172	10	experiment	experiment	NOUN
fsr-3326	172	11	measuring	measure	VERB
fsr-3326	172	12	brain	brain	NOUN
fsr-3326	172	13	activity	activity	NOUN
fsr-3326	172	14	,	,	PUNCT
fsr-3326	172	15	engelmann	engelmann	PROPN
fsr-3326	172	16	et	et	PROPN
fsr-3326	172	17	al	al	PROPN
fsr-3326	172	18	.	.	PROPN
fsr-3326	172	19	(	(	PUNCT
fsr-3326	172	20	2009	2009	NUM
fsr-3326	172	21	)	)	PUNCT
fsr-3326	172	22	find	find	VERB
fsr-3326	172	23	that	that	SCONJ
fsr-3326	172	24	clients	client	NOUN
fsr-3326	172	25	prefer	prefer	VERB
fsr-3326	172	26	to	to	PART
fsr-3326	172	27	delegate	delegate	VERB
fsr-3326	172	28	the	the	DET
fsr-3326	172	29	mental	mental	ADJ
fsr-3326	172	30	burden	burden	NOUN
fsr-3326	172	31	of	of	ADP
fsr-3326	172	32	making	make	VERB
fsr-3326	172	33	investment	investment	NOUN
fsr-3326	172	34	decisions	decision	NOUN
fsr-3326	172	35	by	by	ADP
fsr-3326	172	36	following	follow	VERB
fsr-3326	172	37	advisors	advisor	NOUN
fsr-3326	172	38	’	'	PUNCT
fsr-3326	172	39	recommendations	recommendation	NOUN
fsr-3326	172	40	.	.	PUNCT
fsr-3326	173	1	financial	financial	ADJ
fsr-3326	173	2	advising	advising	NOUN
fsr-3326	173	3	and	and	CCONJ
fsr-3326	173	4	the	the	DET
fsr-3326	173	5	concept	concept	NOUN
fsr-3326	173	6	of	of	ADP
fsr-3326	173	7	knowledge	knowledge	NOUN
fsr-3326	173	8	the	the	DET
fsr-3326	173	9	advisor	advisor	NOUN
fsr-3326	173	10	’s	’s	PART
fsr-3326	173	11	knowledge	knowledge	NOUN
fsr-3326	173	12	plays	play	VERB
fsr-3326	173	13	a	a	DET
fsr-3326	173	14	key	key	ADJ
fsr-3326	173	15	role	role	NOUN
fsr-3326	173	16	during	during	ADP
fsr-3326	173	17	the	the	DET
fsr-3326	173	18	financial	financial	ADJ
fsr-3326	173	19	advising	advising	NOUN
fsr-3326	173	20	process	process	NOUN
fsr-3326	173	21	and	and	CCONJ
fsr-3326	173	22	ultimately	ultimately	ADV
fsr-3326	173	23	impacts	impact	VERB
fsr-3326	173	24	its	its	PRON
fsr-3326	173	25	effectiveness	effectiveness	NOUN
fsr-3326	173	26	(	(	PUNCT
fsr-3326	173	27	hershey	hershey	PROPN
fsr-3326	173	28	et	et	PROPN
fsr-3326	173	29	al	al	PROPN
fsr-3326	173	30	.	.	PROPN
fsr-3326	173	31	,	,	PUNCT
fsr-3326	173	32	1990	1990	NUM
fsr-3326	173	33	;	;	PUNCT
fsr-3326	173	34	hershey	hershey	PROPN
fsr-3326	173	35	&	&	CCONJ
fsr-3326	173	36	walsh	walsh	PROPN
fsr-3326	173	37	,	,	PUNCT
fsr-3326	173	38	2000	2000	NUM
fsr-3326	173	39	)	)	PUNCT
fsr-3326	173	40	.	.	PUNCT
fsr-3326	174	1	translated	translate	VERB
fsr-3326	174	2	into	into	ADP
fsr-3326	174	3	the	the	DET
fsr-3326	174	4	sixstep	sixstep	NOUN
fsr-3326	174	5	framework	framework	NOUN
fsr-3326	174	6	,	,	PUNCT
fsr-3326	174	7	advisors	advisor	NOUN
fsr-3326	174	8	seem	seem	VERB
fsr-3326	174	9	particularly	particularly	ADV
fsr-3326	174	10	adept	adept	ADJ
fsr-3326	174	11	at	at	ADP
fsr-3326	174	12	:	:	PUNCT
fsr-3326	174	13	(	(	PUNCT
fsr-3326	174	14	1	1	X
fsr-3326	174	15	)	)	PUNCT
fsr-3326	174	16	gathering	gather	VERB
fsr-3326	174	17	information	information	NOUN
fsr-3326	174	18	,	,	PUNCT
fsr-3326	174	19	(	(	PUNCT
fsr-3326	174	20	2	2	X
fsr-3326	174	21	)	)	PUNCT
fsr-3326	174	22	analyzing	analyze	VERB
fsr-3326	174	23	the	the	DET
fsr-3326	174	24	situation	situation	NOUN
fsr-3326	174	25	,	,	PUNCT
fsr-3326	174	26	and	and	CCONJ
fsr-3326	174	27	(	(	PUNCT
fsr-3326	174	28	3	3	X
fsr-3326	174	29	)	)	PUNCT
fsr-3326	174	30	monitoring	monitor	VERB
fsr-3326	174	31	progress	progress	NOUN
fsr-3326	174	32	.	.	PUNCT
fsr-3326	175	1	in	in	ADP
fsr-3326	175	2	short	short	ADJ
fsr-3326	175	3	,	,	PUNCT
fsr-3326	175	4	equipped	equip	VERB
fsr-3326	175	5	with	with	ADP
fsr-3326	175	6	superior	superior	ADJ
fsr-3326	175	7	knowledge	knowledge	NOUN
fsr-3326	175	8	,	,	PUNCT
fsr-3326	175	9	advisors	advisor	NOUN
fsr-3326	175	10	may	may	AUX
fsr-3326	175	11	directly	directly	ADV
fsr-3326	175	12	influence	influence	VERB
fsr-3326	175	13	their	their	PRON
fsr-3326	175	14	client	client	NOUN
fsr-3326	175	15	’s	’s	PART
fsr-3326	175	16	financial	financial	ADJ
fsr-3326	175	17	outcomes	outcome	NOUN
fsr-3326	175	18	.	.	PUNCT
fsr-3326	176	1	for	for	ADP
fsr-3326	176	2	instance	instance	NOUN
fsr-3326	176	3	,	,	PUNCT
fsr-3326	176	4	regarding	regard	VERB
fsr-3326	176	5	their	their	PRON
fsr-3326	176	6	personal	personal	ADJ
fsr-3326	176	7	financial	financial	ADJ
fsr-3326	176	8	situation	situation	NOUN
fsr-3326	176	9	,	,	PUNCT
fsr-3326	176	10	azamian	azamian	PROPN
fsr-3326	176	11	et	et	PROPN
fsr-3326	176	12	al	al	PROPN
fsr-3326	176	13	.	.	PROPN
fsr-3326	177	1	(	(	PUNCT
fsr-3326	177	2	2022	2022	NUM
fsr-3326	177	3	)	)	PUNCT
fsr-3326	177	4	report	report	NOUN
fsr-3326	177	5	that	that	SCONJ
fsr-3326	177	6	financial	financial	ADJ
fsr-3326	177	7	advisors	advisor	NOUN
fsr-3326	177	8	are	be	AUX
fsr-3326	177	9	better	well	ADV
fsr-3326	177	10	prepared	prepare	VERB
fsr-3326	177	11	for	for	ADP
fsr-3326	177	12	retirement	retirement	NOUN
fsr-3326	177	13	,	,	PUNCT
fsr-3326	177	14	have	have	VERB
fsr-3326	177	15	less	less	ADJ
fsr-3326	177	16	debt	debt	NOUN
fsr-3326	177	17	,	,	PUNCT
fsr-3326	177	18	are	be	AUX
fsr-3326	177	19	better	well	ADV
fsr-3326	177	20	insured	insure	VERB
fsr-3326	177	21	,	,	PUNCT
fsr-3326	177	22	and	and	CCONJ
fsr-3326	177	23	are	be	AUX
fsr-3326	177	24	more	more	ADV
fsr-3326	177	25	likely	likely	ADJ
fsr-3326	177	26	to	to	PART
fsr-3326	177	27	have	have	VERB
fsr-3326	177	28	an	an	DET
fsr-3326	177	29	estate	estate	NOUN
fsr-3326	177	30	plan	plan	NOUN
fsr-3326	177	31	than	than	ADP
fsr-3326	177	32	the	the	DET
fsr-3326	177	33	public	public	NOUN
fsr-3326	177	34	.	.	PUNCT
fsr-3326	178	1	for	for	ADP
fsr-3326	178	2	clients	client	NOUN
fsr-3326	178	3	with	with	ADP
fsr-3326	178	4	an	an	DET
fsr-3326	178	5	advisor	advisor	NOUN
fsr-3326	178	6	,	,	PUNCT
fsr-3326	178	7	studies	study	NOUN
fsr-3326	178	8	report	report	VERB
fsr-3326	178	9	greater	great	ADJ
fsr-3326	178	10	value	value	NOUN
fsr-3326	178	11	of	of	ADP
fsr-3326	178	12	assets	asset	NOUN
fsr-3326	178	13	held	hold	VERB
fsr-3326	178	14	(	(	PUNCT
fsr-3326	178	15	liu	liu	PROPN
fsr-3326	178	16	et	et	PROPN
fsr-3326	178	17	al	al	PROPN
fsr-3326	178	18	.	.	PROPN
fsr-3326	178	19	,	,	PUNCT
fsr-3326	178	20	2019	2019	NUM
fsr-3326	178	21	)	)	PUNCT
fsr-3326	178	22	,	,	PUNCT
fsr-3326	178	23	better	well	ADJ
fsr-3326	178	24	portfolio	portfolio	NOUN
fsr-3326	178	25	diversification	diversification	NOUN
fsr-3326	178	26	(	(	PUNCT
fsr-3326	178	27	pan	pan	NOUN
fsr-3326	178	28	et	et	PROPN
fsr-3326	178	29	al	al	PROPN
fsr-3326	178	30	.	.	PROPN
fsr-3326	178	31	,	,	PUNCT
fsr-3326	178	32	2020	2020	NUM
fsr-3326	178	33	)	)	PUNCT
fsr-3326	178	34	,	,	PUNCT
fsr-3326	178	35	better	well	ADJ
fsr-3326	178	36	use	use	NOUN
fsr-3326	178	37	of	of	ADP
fsr-3326	178	38	tax	tax	NOUN
fsr-3326	178	39	instruments	instrument	NOUN
fsr-3326	178	40	(	(	PUNCT
fsr-3326	178	41	cici	cici	PROPN
fsr-3326	178	42	et	et	PROPN
fsr-3326	178	43	al	al	PROPN
fsr-3326	178	44	.	.	PROPN
fsr-3326	178	45	,	,	PUNCT
fsr-3326	178	46	2017	2017	NUM
fsr-3326	178	47	)	)	PUNCT
fsr-3326	178	48	,	,	PUNCT
fsr-3326	178	49	and	and	CCONJ
fsr-3326	178	50	reduced	reduce	VERB
fsr-3326	178	51	wealth	wealth	NOUN
fsr-3326	178	52	volatility	volatility	NOUN
fsr-3326	178	53	(	(	PUNCT
fsr-3326	178	54	grable	grable	PROPN
fsr-3326	178	55	&	&	CCONJ
fsr-3326	178	56	chatterjee	chatterjee	PROPN
fsr-3326	178	57	,	,	PUNCT
fsr-3326	178	58	2014	2014	NUM
fsr-3326	178	59	)	)	PUNCT
fsr-3326	178	60	.	.	PUNCT
fsr-3326	179	1	as	as	ADP
fsr-3326	179	2	positive	positive	ADJ
fsr-3326	179	3	influences	influence	NOUN
fsr-3326	179	4	on	on	ADP
fsr-3326	179	5	their	their	PRON
fsr-3326	179	6	clients	client	NOUN
fsr-3326	179	7	,	,	PUNCT
fsr-3326	179	8	we	we	PRON
fsr-3326	179	9	may	may	AUX
fsr-3326	179	10	cite	cite	VERB
fsr-3326	179	11	the	the	DET
fsr-3326	179	12	clients	client	NOUN
fsr-3326	179	13	’	’	PART
fsr-3326	179	14	saving	saving	NOUN
fsr-3326	179	15	practices	practice	NOUN
fsr-3326	179	16	(	(	PUNCT
fsr-3326	179	17	chatterjee	chatterjee	PROPN
fsr-3326	179	18	&	&	CCONJ
fsr-3326	179	19	lu	lu	PROPN
fsr-3326	179	20	,	,	PUNCT
fsr-3326	179	21	2023	2023	NUM
fsr-3326	179	22	;	;	PUNCT
fsr-3326	179	23	fan	fan	PROPN
fsr-3326	179	24	,	,	PUNCT
fsr-3326	179	25	2021	2021	NUM
fsr-3326	179	26	;	;	PUNCT
fsr-3326	179	27	mountain	mountain	NOUN
fsr-3326	179	28	et	et	PROPN
fsr-3326	179	29	al	al	PROPN
fsr-3326	179	30	.	.	PROPN
fsr-3326	179	31	,	,	PUNCT
fsr-3326	179	32	2021	2021	NUM
fsr-3326	179	33	)	)	PUNCT
fsr-3326	179	34	and	and	CCONJ
fsr-3326	179	35	the	the	DET
fsr-3326	179	36	setting	setting	NOUN
fsr-3326	179	37	and	and	CCONJ
fsr-3326	179	38	committing	commit	VERB
fsr-3326	179	39	to	to	ADP
fsr-3326	179	40	financial	financial	ADJ
fsr-3326	179	41	goals	goal	NOUN
fsr-3326	179	42	(	(	PUNCT
fsr-3326	179	43	marsden	marsden	PROPN
fsr-3326	179	44	et	et	PROPN
fsr-3326	179	45	al	al	PROPN
fsr-3326	179	46	.	.	PROPN
fsr-3326	179	47	,	,	PUNCT
fsr-3326	179	48	2011	2011	NUM
fsr-3326	179	49	;	;	PUNCT
fsr-3326	179	50	martin	martin	PROPN
fsr-3326	179	51	&	&	CCONJ
fsr-3326	179	52	finke	finke	PROPN
fsr-3326	179	53	,	,	PUNCT
fsr-3326	179	54	2014	2014	NUM
fsr-3326	179	55	)	)	PUNCT
fsr-3326	179	56	.	.	PUNCT
fsr-3326	180	1	some	some	DET
fsr-3326	180	2	studies	study	NOUN
fsr-3326	180	3	on	on	ADP
fsr-3326	180	4	advisors	advisor	NOUN
fsr-3326	180	5	’	'	PUNCT
fsr-3326	180	6	knowledge	knowledge	NOUN
fsr-3326	180	7	credit	credit	NOUN
fsr-3326	180	8	their	their	PRON
fsr-3326	180	9	positive	positive	ADJ
fsr-3326	180	10	impact	impact	NOUN
fsr-3326	180	11	on	on	ADP
fsr-3326	180	12	their	their	PRON
fsr-3326	180	13	clients	client	NOUN
fsr-3326	180	14	’	’	PART
fsr-3326	180	15	financial	financial	ADJ
fsr-3326	180	16	outcomes	outcome	NOUN
fsr-3326	180	17	to	to	PART
fsr-3326	180	18	knowledge	knowledge	VERB
fsr-3326	180	19	that	that	PRON
fsr-3326	180	20	can	can	AUX
fsr-3326	180	21	be	be	AUX
fsr-3326	180	22	viewed	view	VERB
fsr-3326	180	23	either	either	CCONJ
fsr-3326	180	24	as	as	ADP
fsr-3326	180	25	declarative	declarative	ADJ
fsr-3326	180	26	(	(	PUNCT
fsr-3326	180	27	i.e.	i.e.	X
fsr-3326	180	28	,	,	PUNCT
fsr-3326	180	29	an	an	DET
fsr-3326	180	30	accumulation	accumulation	NOUN
fsr-3326	180	31	of	of	ADP
fsr-3326	180	32	facts	fact	NOUN
fsr-3326	180	33	,	,	PUNCT
fsr-3326	180	34	concepts	concept	NOUN
fsr-3326	180	35	,	,	PUNCT
fsr-3326	180	36	or	or	CCONJ
fsr-3326	180	37	rules	rule	NOUN
fsr-3326	180	38	)	)	PUNCT
fsr-3326	180	39	(	(	PUNCT
fsr-3326	180	40	cloyd	cloyd	PROPN
fsr-3326	180	41	,	,	PUNCT
fsr-3326	180	42	1995	1995	NUM
fsr-3326	180	43	,	,	PUNCT
fsr-3326	180	44	1997	1997	NUM
fsr-3326	180	45	;	;	PUNCT
fsr-3326	180	46	hershey	hershey	PROPN
fsr-3326	180	47	&	&	CCONJ
fsr-3326	180	48	walsh	walsh	PROPN
fsr-3326	180	49	,	,	PUNCT
fsr-3326	180	50	2000	2000	NUM
fsr-3326	180	51	;	;	PUNCT
fsr-3326	180	52	spilker	spilker	NOUN
fsr-3326	180	53	,	,	PUNCT
fsr-3326	180	54	1995	1995	NUM
fsr-3326	180	55	)	)	PUNCT
fsr-3326	180	56	or	or	CCONJ
fsr-3326	180	57	as	as	ADP
fsr-3326	180	58	procedural	procedural	ADJ
fsr-3326	180	59	(	(	PUNCT
fsr-3326	180	60	i.e.	i.e.	X
fsr-3326	180	61	,	,	PUNCT
fsr-3326	180	62	systematic	systematic	ADJ
fsr-3326	180	63	steps	step	NOUN
fsr-3326	180	64	and	and	CCONJ
fsr-3326	180	65	procedures	procedure	NOUN
fsr-3326	180	66	)	)	PUNCT
fsr-3326	180	67	(	(	PUNCT
fsr-3326	180	68	barrick	barrick	PROPN
fsr-3326	180	69	&	&	CCONJ
fsr-3326	180	70	spilker	spilker	PROPN
fsr-3326	180	71	,	,	PUNCT
fsr-3326	180	72	2003	2003	NUM
fsr-3326	180	73	;	;	PUNCT
fsr-3326	180	74	fischer	fischer	PROPN
fsr-3326	180	75	&	&	CCONJ
fsr-3326	180	76	gerhardt	gerhardt	PROPN
fsr-3326	180	77	,	,	PUNCT
fsr-3326	180	78	2007	2007	NUM
fsr-3326	180	79	;	;	PUNCT
fsr-3326	180	80	hershey	hershey	PROPN
fsr-3326	180	81	et	et	PROPN
fsr-3326	180	82	al	al	PROPN
fsr-3326	180	83	.	.	PROPN
fsr-3326	180	84	,	,	PUNCT
fsr-3326	180	85	1990	1990	NUM
fsr-3326	180	86	)	)	PUNCT
fsr-3326	180	87	.	.	PUNCT
fsr-3326	181	1	research	research	NOUN
fsr-3326	181	2	indicates	indicate	VERB
fsr-3326	181	3	that	that	SCONJ
fsr-3326	181	4	advisors	advisor	NOUN
fsr-3326	181	5	with	with	ADP
fsr-3326	181	6	specialized	specialized	ADJ
fsr-3326	181	7	knowledge	knowledge	NOUN
fsr-3326	181	8	obtain	obtain	VERB
fsr-3326	181	9	better	well	ADJ
fsr-3326	181	10	results	result	NOUN
fsr-3326	181	11	in	in	ADP
fsr-3326	181	12	information	information	NOUN
fsr-3326	181	13	search	search	NOUN
fsr-3326	181	14	strategies	strategy	NOUN
fsr-3326	181	15	,	,	PUNCT
fsr-3326	181	16	the	the	DET
fsr-3326	181	17	quantity	quantity	NOUN
fsr-3326	181	18	of	of	ADP
fsr-3326	181	19	results	result	NOUN
fsr-3326	181	20	,	,	PUNCT
fsr-3326	181	21	and	and	CCONJ
fsr-3326	181	22	the	the	DET
fsr-3326	181	23	relevance	relevance	NOUN
fsr-3326	181	24	of	of	ADP
fsr-3326	181	25	the	the	DET
fsr-3326	181	26	information	information	NOUN
fsr-3326	181	27	found	find	VERB
fsr-3326	181	28	(	(	PUNCT
fsr-3326	181	29	barrick	barrick	PROPN
fsr-3326	181	30	&	&	CCONJ
fsr-3326	181	31	spilker	spilker	PROPN
fsr-3326	181	32	,	,	PUNCT
fsr-3326	181	33	2003	2003	NUM
fsr-3326	181	34	;	;	PUNCT
fsr-3326	181	35	cloyd	cloyd	PROPN
fsr-3326	181	36	,	,	PUNCT
fsr-3326	181	37	1995	1995	NUM
fsr-3326	181	38	,	,	PUNCT
fsr-3326	181	39	1997	1997	NUM
fsr-3326	181	40	;	;	PUNCT
fsr-3326	181	41	hershey	hershey	PROPN
fsr-3326	181	42	&	&	CCONJ
fsr-3326	181	43	walsh	walsh	PROPN
fsr-3326	181	44	,	,	PUNCT
fsr-3326	181	45	2000	2000	NUM
fsr-3326	181	46	;	;	PUNCT
fsr-3326	181	47	spilker	spilker	NOUN
fsr-3326	181	48	,	,	PUNCT
fsr-3326	181	49	1995	1995	NUM
fsr-3326	181	50	)	)	PUNCT
fsr-3326	181	51	.	.	PUNCT
fsr-3326	182	1	hence	hence	ADV
fsr-3326	182	2	,	,	PUNCT
fsr-3326	182	3	an	an	DET
fsr-3326	182	4	advisor	advisor	NOUN
fsr-3326	182	5	’s	’s	PART
fsr-3326	182	6	knowledge	knowledge	NOUN
fsr-3326	182	7	positively	positively	ADV
fsr-3326	182	8	affects	affect	VERB
fsr-3326	182	9	the	the	DET
fsr-3326	182	10	quality	quality	NOUN
fsr-3326	182	11	of	of	ADP
fsr-3326	182	12	the	the	DET
fsr-3326	182	13	analysis	analysis	NOUN
fsr-3326	182	14	performed	perform	VERB
fsr-3326	182	15	(	(	PUNCT
fsr-3326	182	16	hershey	hershey	PROPN
fsr-3326	182	17	&	&	CCONJ
fsr-3326	182	18	walsh	walsh	PROPN
fsr-3326	182	19	,	,	PUNCT
fsr-3326	182	20	2000	2000	NUM
fsr-3326	182	21	)	)	PUNCT
fsr-3326	182	22	,	,	PUNCT
fsr-3326	182	23	with	with	ADP
fsr-3326	182	24	its	its	PRON
fsr-3326	182	25	declarative	declarative	ADJ
fsr-3326	182	26	and	and	CCONJ
fsr-3326	182	27	procedural	procedural	ADJ
fsr-3326	182	28	forms	form	NOUN
fsr-3326	182	29	being	be	AUX
fsr-3326	182	30	the	the	DET
fsr-3326	182	31	most	most	ADV
fsr-3326	182	32	salient	salient	NOUN
fsr-3326	182	33	.	.	PUNCT
fsr-3326	183	1	such	such	ADJ
fsr-3326	183	2	knowledge	knowledge	NOUN
fsr-3326	183	3	permits	permit	VERB
fsr-3326	183	4	them	they	PRON
fsr-3326	183	5	to	to	PART
fsr-3326	183	6	perform	perform	VERB
fsr-3326	183	7	better	well	ADJ
fsr-3326	183	8	problem	problem	NOUN
fsr-3326	183	9	-	-	PUNCT
fsr-3326	183	10	solving	solve	VERB
fsr-3326	183	11	processes	process	NOUN
fsr-3326	183	12	,	,	PUNCT
fsr-3326	183	13	reducing	reduce	VERB
fsr-3326	183	14	errors	error	NOUN
fsr-3326	183	15	,	,	PUNCT
fsr-3326	183	16	and	and	CCONJ
fsr-3326	183	17	thereby	thereby	ADV
fsr-3326	183	18	providing	provide	VERB
fsr-3326	183	19	higher	high	ADJ
fsr-3326	183	20	quality	quality	NOUN
fsr-3326	183	21	solutions	solution	NOUN
fsr-3326	183	22	to	to	ADP
fsr-3326	183	23	clients	client	NOUN
fsr-3326	183	24	(	(	PUNCT
fsr-3326	183	25	hershey	hershey	PROPN
fsr-3326	183	26	et	et	PROPN
fsr-3326	183	27	al	al	PROPN
fsr-3326	183	28	.	.	PROPN
fsr-3326	183	29	,	,	PUNCT
fsr-3326	183	30	1990	1990	NUM
fsr-3326	183	31	)	)	PUNCT
fsr-3326	183	32	.	.	PUNCT
fsr-3326	184	1	financial	financial	ADJ
fsr-3326	184	2	professional	professional	ADJ
fsr-3326	184	3	designations	designation	NOUN
fsr-3326	184	4	financial	financial	PROPN
fsr-3326	184	5	services	services	PROPN
fsr-3326	184	6	review	review	PROPN
fsr-3326	184	7	,	,	PUNCT
fsr-3326	184	8	32(3	32(3	NUM
fsr-3326	184	9	)	)	PUNCT
fsr-3326	184	10	41	41	NUM
fsr-3326	184	11	holding	hold	VERB
fsr-3326	184	12	a	a	DET
fsr-3326	184	13	professional	professional	ADJ
fsr-3326	184	14	designation	designation	NOUN
fsr-3326	184	15	(	(	PUNCT
fsr-3326	184	16	e.g.	e.g.	ADV
fsr-3326	184	17	,	,	PUNCT
fsr-3326	184	18	cfp	cfp	PROPN
fsr-3326	184	19	®	®	PROPN
fsr-3326	184	20	)	)	PUNCT
fsr-3326	184	21	may	may	AUX
fsr-3326	184	22	modulate	modulate	VERB
fsr-3326	184	23	the	the	DET
fsr-3326	184	24	impact	impact	NOUN
fsr-3326	184	25	of	of	ADP
fsr-3326	184	26	the	the	DET
fsr-3326	184	27	advisor	advisor	NOUN
fsr-3326	184	28	on	on	ADP
fsr-3326	184	29	their	their	PRON
fsr-3326	184	30	clients	client	NOUN
fsr-3326	184	31	’	’	PART
fsr-3326	184	32	financial	financial	ADJ
fsr-3326	184	33	outcomes	outcome	NOUN
fsr-3326	184	34	as	as	SCONJ
fsr-3326	184	35	it	it	PRON
fsr-3326	184	36	positively	positively	ADV
fsr-3326	184	37	influences	influence	VERB
fsr-3326	184	38	the	the	DET
fsr-3326	184	39	client	client	NOUN
fsr-3326	184	40	’s	’s	PART
fsr-3326	184	41	trust	trust	NOUN
fsr-3326	184	42	in	in	ADP
fsr-3326	184	43	the	the	DET
fsr-3326	184	44	financial	financial	ADJ
fsr-3326	184	45	advisor	advisor	NOUN
fsr-3326	184	46	(	(	PUNCT
fsr-3326	184	47	agnew	agnew	PROPN
fsr-3326	184	48	et	et	PROPN
fsr-3326	184	49	al	al	PROPN
fsr-3326	184	50	.	.	PROPN
fsr-3326	184	51	,	,	PUNCT
fsr-3326	184	52	2018	2018	NUM
fsr-3326	184	53	;	;	PUNCT
fsr-3326	184	54	dean	dean	PROPN
fsr-3326	184	55	,	,	PUNCT
fsr-3326	184	56	2017	2017	NUM
fsr-3326	184	57	;	;	PUNCT
fsr-3326	184	58	guillemette	guillemette	NOUN
fsr-3326	184	59	&	&	CCONJ
fsr-3326	184	60	jurgenson	jurgenson	PROPN
fsr-3326	184	61	,	,	PUNCT
fsr-3326	184	62	2017	2017	NUM
fsr-3326	184	63	;	;	PUNCT
fsr-3326	184	64	james	james	PROPN
fsr-3326	184	65	,	,	PUNCT
fsr-3326	184	66	2013	2013	NUM
fsr-3326	184	67	)	)	PUNCT
fsr-3326	184	68	as	as	ADV
fsr-3326	184	69	well	well	ADV
fsr-3326	184	70	as	as	ADP
fsr-3326	184	71	the	the	DET
fsr-3326	184	72	level	level	NOUN
fsr-3326	184	73	of	of	ADP
fsr-3326	184	74	knowledge	knowledge	NOUN
fsr-3326	184	75	of	of	ADP
fsr-3326	184	76	financial	financial	ADJ
fsr-3326	184	77	advisors	advisor	NOUN
fsr-3326	184	78	(	(	PUNCT
fsr-3326	184	79	arman	arman	NOUN
fsr-3326	184	80	&	&	CCONJ
fsr-3326	184	81	shackman	shackman	PROPN
fsr-3326	184	82	,	,	PUNCT
fsr-3326	184	83	2012	2012	NUM
fsr-3326	184	84	;	;	PUNCT
fsr-3326	184	85	blanchett	blanchett	PROPN
fsr-3326	184	86	,	,	PUNCT
fsr-3326	184	87	2019	2019	NUM
fsr-3326	184	88	;	;	PUNCT
fsr-3326	184	89	kim	kim	PROPN
fsr-3326	184	90	et	et	PROPN
fsr-3326	184	91	al	al	PROPN
fsr-3326	184	92	.	.	PROPN
fsr-3326	184	93	,	,	PUNCT
fsr-3326	184	94	2018	2018	NUM
fsr-3326	184	95	;	;	PUNCT
fsr-3326	184	96	lei	lei	X
fsr-3326	184	97	,	,	PUNCT
fsr-3326	184	98	2019	2019	NUM
fsr-3326	184	99	)	)	PUNCT
fsr-3326	184	100	.	.	PUNCT
fsr-3326	185	1	underlying	underlie	VERB
fsr-3326	185	2	these	these	DET
fsr-3326	185	3	findings	finding	NOUN
fsr-3326	185	4	is	be	AUX
fsr-3326	185	5	the	the	DET
fsr-3326	185	6	evidence	evidence	NOUN
fsr-3326	185	7	that	that	SCONJ
fsr-3326	185	8	holding	hold	VERB
fsr-3326	185	9	a	a	DET
fsr-3326	185	10	professional	professional	ADJ
fsr-3326	185	11	designation	designation	NOUN
fsr-3326	185	12	that	that	PRON
fsr-3326	185	13	includes	include	VERB
fsr-3326	185	14	a	a	DET
fsr-3326	185	15	code	code	NOUN
fsr-3326	185	16	of	of	ADP
fsr-3326	185	17	ethics	ethic	NOUN
fsr-3326	185	18	induces	induce	VERB
fsr-3326	185	19	the	the	DET
fsr-3326	185	20	advisor	advisor	NOUN
fsr-3326	185	21	to	to	PART
fsr-3326	185	22	put	put	VERB
fsr-3326	185	23	the	the	DET
fsr-3326	185	24	interests	interest	NOUN
fsr-3326	185	25	of	of	ADP
fsr-3326	185	26	their	their	PRON
fsr-3326	185	27	clients	client	NOUN
fsr-3326	185	28	first	first	ADV
fsr-3326	185	29	(	(	PUNCT
fsr-3326	185	30	finke	finke	PROPN
fsr-3326	185	31	et	et	PROPN
fsr-3326	185	32	al	al	PROPN
fsr-3326	185	33	.	.	PROPN
fsr-3326	185	34	,	,	PUNCT
fsr-3326	185	35	2009	2009	NUM
fsr-3326	185	36	)	)	PUNCT
fsr-3326	185	37	.	.	PUNCT
fsr-3326	186	1	for	for	ADP
fsr-3326	186	2	example	example	NOUN
fsr-3326	186	3	,	,	PUNCT
fsr-3326	186	4	both	both	CCONJ
fsr-3326	186	5	in	in	ADP
fsr-3326	186	6	canada	canada	PROPN
fsr-3326	186	7	and	and	CCONJ
fsr-3326	186	8	the	the	DET
fsr-3326	186	9	united	united	PROPN
fsr-3326	186	10	states	states	PROPN
fsr-3326	186	11	,	,	PUNCT
fsr-3326	186	12	cfps	cfps	NOUN
fsr-3326	186	13	must	must	AUX
fsr-3326	186	14	follow	follow	VERB
fsr-3326	186	15	the	the	DET
fsr-3326	186	16	code	code	NOUN
fsr-3326	186	17	of	of	ADP
fsr-3326	186	18	ethics	ethic	NOUN
fsr-3326	186	19	’	'	PUNCT
fsr-3326	186	20	principles	principle	NOUN
fsr-3326	186	21	of	of	ADP
fsr-3326	186	22	their	their	PRON
fsr-3326	186	23	designations	designation	NOUN
fsr-3326	186	24	.	.	PUNCT
fsr-3326	187	1	those	those	DET
fsr-3326	187	2	codes	code	NOUN
fsr-3326	187	3	include	include	VERB
fsr-3326	187	4	notably	notably	ADV
fsr-3326	187	5	fiduciary	fiduciary	ADJ
fsr-3326	187	6	duty	duty	NOUN
fsr-3326	187	7	,	,	PUNCT
fsr-3326	187	8	duty	duty	NOUN
fsr-3326	187	9	of	of	ADP
fsr-3326	187	10	loyalty	loyalty	NOUN
fsr-3326	187	11	to	to	ADP
fsr-3326	187	12	the	the	DET
fsr-3326	187	13	client	client	NOUN
fsr-3326	187	14	,	,	PUNCT
fsr-3326	187	15	integrity	integrity	NOUN
fsr-3326	187	16	,	,	PUNCT
fsr-3326	187	17	competence	competence	NOUN
fsr-3326	187	18	,	,	PUNCT
fsr-3326	187	19	diligence	diligence	NOUN
fsr-3326	187	20	,	,	PUNCT
fsr-3326	187	21	professionalism	professionalism	NOUN
fsr-3326	187	22	,	,	PUNCT
fsr-3326	187	23	and	and	CCONJ
fsr-3326	187	24	confidentiality	confidentiality	NOUN
fsr-3326	187	25	(	(	PUNCT
fsr-3326	187	26	cfp	cfp	PROPN
fsr-3326	187	27	board	board	NOUN
fsr-3326	187	28	,	,	PUNCT
fsr-3326	187	29	2018	2018	NUM
fsr-3326	187	30	;	;	PUNCT
fsr-3326	187	31	fp	fp	PROPN
fsr-3326	187	32	canada	canada	PROPN
fsr-3326	187	33	,	,	PUNCT
fsr-3326	187	34	2022	2022	NUM
fsr-3326	187	35	)	)	PUNCT
fsr-3326	187	36	.	.	PUNCT
fsr-3326	188	1	however	however	ADV
fsr-3326	188	2	,	,	PUNCT
fsr-3326	188	3	we	we	PRON
fsr-3326	188	4	leave	leave	VERB
fsr-3326	188	5	the	the	DET
fsr-3326	188	6	analysis	analysis	NOUN
fsr-3326	188	7	of	of	ADP
fsr-3326	188	8	the	the	DET
fsr-3326	188	9	impact	impact	NOUN
fsr-3326	188	10	of	of	ADP
fsr-3326	188	11	designations	designation	NOUN
fsr-3326	188	12	to	to	ADP
fsr-3326	188	13	future	future	ADJ
fsr-3326	188	14	research	research	NOUN
fsr-3326	188	15	.	.	PUNCT
fsr-3326	189	1	toward	toward	ADP
fsr-3326	189	2	an	an	DET
fsr-3326	189	3	integrative	integrative	ADJ
fsr-3326	189	4	model	model	NOUN
fsr-3326	189	5	of	of	ADP
fsr-3326	189	6	financial	financial	ADJ
fsr-3326	189	7	advising	advising	NOUN
fsr-3326	189	8	we	we	PRON
fsr-3326	189	9	present	present	ADJ
fsr-3326	189	10	in	in	ADP
fsr-3326	189	11	this	this	DET
fsr-3326	189	12	section	section	NOUN
fsr-3326	189	13	an	an	DET
fsr-3326	189	14	integrative	integrative	ADJ
fsr-3326	189	15	model	model	NOUN
fsr-3326	189	16	showing	show	VERB
fsr-3326	189	17	the	the	DET
fsr-3326	189	18	impact	impact	NOUN
fsr-3326	189	19	of	of	ADP
fsr-3326	189	20	the	the	DET
fsr-3326	189	21	financial	financial	ADJ
fsr-3326	189	22	advisor	advisor	NOUN
fsr-3326	189	23	on	on	ADP
fsr-3326	189	24	their	their	PRON
fsr-3326	189	25	clients	client	NOUN
fsr-3326	189	26	’	’	PART
fsr-3326	189	27	financial	financial	ADJ
fsr-3326	189	28	outcomes	outcome	NOUN
fsr-3326	189	29	.	.	PUNCT
fsr-3326	190	1	we	we	PRON
fsr-3326	190	2	elaborate	elaborate	VERB
fsr-3326	190	3	the	the	DET
fsr-3326	190	4	model	model	NOUN
fsr-3326	190	5	in	in	ADP
fsr-3326	190	6	two	two	NUM
fsr-3326	190	7	phases	phase	NOUN
fsr-3326	190	8	.	.	PUNCT
fsr-3326	191	1	first	first	ADV
fsr-3326	191	2	,	,	PUNCT
fsr-3326	191	3	in	in	ADP
fsr-3326	191	4	figure	figure	NOUN
fsr-3326	191	5	4	4	NUM
fsr-3326	191	6	,	,	PUNCT
fsr-3326	191	7	we	we	PRON
fsr-3326	191	8	discuss	discuss	VERB
fsr-3326	191	9	and	and	CCONJ
fsr-3326	191	10	illustrate	illustrate	VERB
fsr-3326	191	11	the	the	DET
fsr-3326	191	12	impacts	impact	NOUN
fsr-3326	191	13	associated	associate	VERB
fsr-3326	191	14	with	with	ADP
fsr-3326	191	15	each	each	PRON
fsr-3326	191	16	of	of	ADP
fsr-3326	191	17	the	the	DET
fsr-3326	191	18	three	three	NUM
fsr-3326	191	19	theories	theory	NOUN
fsr-3326	191	20	for	for	ADP
fsr-3326	191	21	each	each	DET
fsr-3326	191	22	step	step	NOUN
fsr-3326	191	23	where	where	SCONJ
fsr-3326	191	24	they	they	PRON
fsr-3326	191	25	manifest	manifest	VERB
fsr-3326	191	26	.	.	PUNCT
fsr-3326	192	1	second	second	ADJ
fsr-3326	192	2	,	,	PUNCT
fsr-3326	192	3	in	in	ADP
fsr-3326	192	4	figure	figure	NOUN
fsr-3326	192	5	5	5	NUM
fsr-3326	192	6	,	,	PUNCT
fsr-3326	192	7	we	we	PRON
fsr-3326	192	8	present	present	VERB
fsr-3326	192	9	the	the	DET
fsr-3326	192	10	integrative	integrative	ADJ
fsr-3326	192	11	model	model	NOUN
fsr-3326	192	12	of	of	ADP
fsr-3326	192	13	financial	financial	ADJ
fsr-3326	192	14	advising	advising	NOUN
fsr-3326	192	15	across	across	ADP
fsr-3326	192	16	the	the	DET
fsr-3326	192	17	three	three	NUM
fsr-3326	192	18	theories	theory	NOUN
fsr-3326	192	19	,	,	PUNCT
fsr-3326	192	20	when	when	SCONJ
fsr-3326	192	21	the	the	DET
fsr-3326	192	22	process	process	NOUN
fsr-3326	192	23	is	be	AUX
fsr-3326	192	24	performed	perform	VERB
fsr-3326	192	25	alone	alone	ADV
fsr-3326	192	26	(	(	PUNCT
fsr-3326	192	27	unassisted	unassisted	ADJ
fsr-3326	192	28	)	)	PUNCT
fsr-3326	192	29	versus	versus	ADP
fsr-3326	192	30	when	when	SCONJ
fsr-3326	192	31	the	the	DET
fsr-3326	192	32	process	process	NOUN
fsr-3326	192	33	is	be	AUX
fsr-3326	192	34	performed	perform	VERB
fsr-3326	192	35	with	with	ADP
fsr-3326	192	36	a	a	DET
fsr-3326	192	37	financial	financial	ADJ
fsr-3326	192	38	advisor	advisor	NOUN
fsr-3326	192	39	.	.	PUNCT
fsr-3326	193	1	the	the	DET
fsr-3326	193	2	integrative	integrative	ADJ
fsr-3326	193	3	model	model	NOUN
fsr-3326	193	4	shows	show	VERB
fsr-3326	193	5	how	how	SCONJ
fsr-3326	193	6	the	the	DET
fsr-3326	193	7	interactions	interaction	NOUN
fsr-3326	193	8	between	between	ADP
fsr-3326	193	9	the	the	DET
fsr-3326	193	10	three	three	NUM
fsr-3326	193	11	theoretical	theoretical	ADJ
fsr-3326	193	12	lenses	lense	NOUN
fsr-3326	193	13	impact	impact	NOUN
fsr-3326	193	14	clients	client	NOUN
fsr-3326	193	15	’	’	PART
fsr-3326	193	16	financial	financial	ADJ
fsr-3326	193	17	outcomes	outcome	NOUN
fsr-3326	193	18	.	.	PUNCT
fsr-3326	194	1	impacts	impact	NOUN
fsr-3326	194	2	on	on	ADP
fsr-3326	194	3	clients	client	NOUN
fsr-3326	194	4	’	'	PUNCT
fsr-3326	194	5	financial	financial	ADJ
fsr-3326	194	6	outcomes	outcome	NOUN
fsr-3326	194	7	associated	associate	VERB
fsr-3326	194	8	with	with	ADP
fsr-3326	194	9	each	each	DET
fsr-3326	194	10	theoretical	theoretical	ADJ
fsr-3326	194	11	lens	lens	NOUN
fsr-3326	194	12	figure	figure	VERB
fsr-3326	194	13	4	4	NUM
fsr-3326	194	14	summarizes	summarize	NOUN
fsr-3326	194	15	the	the	DET
fsr-3326	194	16	findings	finding	NOUN
fsr-3326	194	17	where	where	SCONJ
fsr-3326	194	18	the	the	DET
fsr-3326	194	19	advisor	advisor	NOUN
fsr-3326	194	20	’s	’s	PART
fsr-3326	194	21	impact	impact	NOUN
fsr-3326	194	22	on	on	ADP
fsr-3326	194	23	their	their	PRON
fsr-3326	194	24	clients	client	NOUN
fsr-3326	194	25	’	'	PUNCT
fsr-3326	194	26	financial	financial	ADJ
fsr-3326	194	27	outcome	outcome	NOUN
fsr-3326	194	28	may	may	AUX
fsr-3326	194	29	be	be	AUX
fsr-3326	194	30	positive	positive	ADJ
fsr-3326	194	31	or	or	CCONJ
fsr-3326	194	32	negative	negative	ADJ
fsr-3326	194	33	.	.	PUNCT
fsr-3326	195	1	figure	figure	NOUN
fsr-3326	195	2	4	4	NUM
fsr-3326	195	3	includes	include	VERB
fsr-3326	195	4	the	the	DET
fsr-3326	195	5	case	case	NOUN
fsr-3326	195	6	when	when	SCONJ
fsr-3326	195	7	clients	client	NOUN
fsr-3326	195	8	choose	choose	VERB
fsr-3326	195	9	to	to	PART
fsr-3326	195	10	delegate	delegate	VERB
fsr-3326	195	11	the	the	DET
fsr-3326	195	12	entire	entire	ADJ
fsr-3326	195	13	process	process	NOUN
fsr-3326	195	14	to	to	ADP
fsr-3326	195	15	an	an	DET
fsr-3326	195	16	advisor	advisor	NOUN
fsr-3326	195	17	,	,	PUNCT
fsr-3326	195	18	as	as	ADV
fsr-3326	195	19	well	well	ADV
fsr-3326	195	20	as	as	ADP
fsr-3326	195	21	when	when	SCONJ
fsr-3326	195	22	clients	client	NOUN
fsr-3326	195	23	opt	opt	VERB
fsr-3326	195	24	for	for	ADP
fsr-3326	195	25	ad	ad	NOUN
fsr-3326	195	26	hoc	hoc	X
fsr-3326	195	27	consultations	consultation	NOUN
fsr-3326	195	28	at	at	ADP
fsr-3326	195	29	certain	certain	ADJ
fsr-3326	195	30	steps	step	NOUN
fsr-3326	195	31	.	.	PUNCT
fsr-3326	196	1	figure	figure	VERB
fsr-3326	196	2	4	4	NUM
fsr-3326	196	3	.	.	PUNCT
fsr-3326	197	1	summary	summary	NOUN
fsr-3326	197	2	of	of	ADP
fsr-3326	197	3	the	the	DET
fsr-3326	197	4	impacts	impact	NOUN
fsr-3326	197	5	(	(	PUNCT
fsr-3326	197	6	positive	positive	ADJ
fsr-3326	197	7	or	or	CCONJ
fsr-3326	197	8	negative	negative	ADJ
fsr-3326	197	9	)	)	PUNCT
fsr-3326	197	10	of	of	ADP
fsr-3326	197	11	the	the	DET
fsr-3326	197	12	financial	financial	ADJ
fsr-3326	197	13	advisor	advisor	NOUN
fsr-3326	197	14	on	on	ADP
fsr-3326	197	15	their	their	PRON
fsr-3326	197	16	clients	client	NOUN
fsr-3326	197	17	’	'	PUNCT
fsr-3326	197	18	financial	financial	ADJ
fsr-3326	197	19	outcome	outcome	NOUN
fsr-3326	197	20	pilote	pilote	PROPN
fsr-3326	197	21	et	et	PROPN
fsr-3326	197	22	al	al	PROPN
fsr-3326	197	23	.	.	PROPN
fsr-3326	198	1	42	42	NUM
fsr-3326	198	2	agency	agency	NOUN
fsr-3326	198	3	theory	theory	NOUN
fsr-3326	198	4	.	.	PUNCT
fsr-3326	199	1	using	use	VERB
fsr-3326	199	2	an	an	DET
fsr-3326	199	3	agency	agency	NOUN
fsr-3326	199	4	theory	theory	NOUN
fsr-3326	199	5	perspective	perspective	NOUN
fsr-3326	199	6	,	,	PUNCT
fsr-3326	199	7	incentives	incentive	VERB
fsr-3326	199	8	outside	outside	ADP
fsr-3326	199	9	the	the	DET
fsr-3326	199	10	client	client	NOUN
fsr-3326	199	11	’s	’s	PART
fsr-3326	199	12	reach	reach	NOUN
fsr-3326	199	13	and	and	CCONJ
fsr-3326	199	14	the	the	DET
fsr-3326	199	15	lack	lack	NOUN
fsr-3326	199	16	of	of	ADP
fsr-3326	199	17	control	control	NOUN
fsr-3326	199	18	over	over	ADP
fsr-3326	199	19	the	the	DET
fsr-3326	199	20	advisor	advisor	NOUN
fsr-3326	199	21	’s	’s	PART
fsr-3326	199	22	actions	action	NOUN
fsr-3326	199	23	creates	create	VERB
fsr-3326	199	24	a	a	DET
fsr-3326	199	25	clash	clash	NOUN
fsr-3326	199	26	of	of	ADP
fsr-3326	199	27	interests	interest	NOUN
fsr-3326	199	28	that	that	PRON
fsr-3326	199	29	leads	lead	VERB
fsr-3326	199	30	advisors	advisor	NOUN
fsr-3326	199	31	to	to	PART
fsr-3326	199	32	maximize	maximize	VERB
fsr-3326	199	33	their	their	PRON
fsr-3326	199	34	own	own	ADJ
fsr-3326	199	35	interests	interest	NOUN
fsr-3326	199	36	at	at	ADP
fsr-3326	199	37	the	the	DET
fsr-3326	199	38	expense	expense	NOUN
fsr-3326	199	39	of	of	ADP
fsr-3326	199	40	the	the	DET
fsr-3326	199	41	client	client	NOUN
fsr-3326	199	42	.	.	PUNCT
fsr-3326	200	1	more	more	ADV
fsr-3326	200	2	specifically	specifically	ADV
fsr-3326	200	3	,	,	PUNCT
fsr-3326	200	4	the	the	DET
fsr-3326	200	5	lack	lack	NOUN
fsr-3326	200	6	of	of	ADP
fsr-3326	200	7	client	client	NOUN
fsr-3326	200	8	control	control	NOUN
fsr-3326	200	9	over	over	ADP
fsr-3326	200	10	the	the	DET
fsr-3326	200	11	advisor	advisor	NOUN
fsr-3326	200	12	’s	’s	PART
fsr-3326	200	13	actions	action	NOUN
fsr-3326	200	14	is	be	AUX
fsr-3326	200	15	seen	see	VERB
fsr-3326	200	16	at	at	ADP
fsr-3326	200	17	the	the	DET
fsr-3326	200	18	analyzing	analyzing	NOUN
fsr-3326	200	19	(	(	PUNCT
fsr-3326	200	20	foerster	foerster	PROPN
fsr-3326	200	21	et	et	PROPN
fsr-3326	200	22	al	al	PROPN
fsr-3326	200	23	.	.	PROPN
fsr-3326	200	24	,	,	PUNCT
fsr-3326	200	25	2017	2017	NUM
fsr-3326	200	26	)	)	PUNCT
fsr-3326	200	27	,	,	PUNCT
fsr-3326	200	28	recommendations	recommendation	NOUN
fsr-3326	200	29	(	(	PUNCT
fsr-3326	200	30	angelova	angelova	PROPN
fsr-3326	200	31	&	&	CCONJ
fsr-3326	200	32	regner	regner	PROPN
fsr-3326	200	33	,	,	PUNCT
fsr-3326	200	34	2013	2013	NUM
fsr-3326	200	35	)	)	PUNCT
fsr-3326	200	36	,	,	PUNCT
fsr-3326	200	37	and	and	CCONJ
fsr-3326	200	38	monitoring	monitor	VERB
fsr-3326	200	39	steps	step	NOUN
fsr-3326	200	40	,	,	PUNCT
fsr-3326	200	41	while	while	SCONJ
fsr-3326	200	42	the	the	DET
fsr-3326	200	43	negative	negative	ADJ
fsr-3326	200	44	impact	impact	NOUN
fsr-3326	200	45	of	of	ADP
fsr-3326	200	46	incentives	incentive	NOUN
fsr-3326	200	47	plays	play	VERB
fsr-3326	200	48	out	out	ADP
fsr-3326	200	49	at	at	ADP
fsr-3326	200	50	the	the	DET
fsr-3326	200	51	recommendations	recommendation	NOUN
fsr-3326	200	52	(	(	PUNCT
fsr-3326	200	53	angelova	angelova	PROPN
fsr-3326	200	54	&	&	CCONJ
fsr-3326	200	55	regner	regner	PROPN
fsr-3326	200	56	,	,	PUNCT
fsr-3326	200	57	2013	2013	NUM
fsr-3326	200	58	)	)	PUNCT
fsr-3326	200	59	and	and	CCONJ
fsr-3326	200	60	monitoring	monitor	VERB
fsr-3326	200	61	steps	step	NOUN
fsr-3326	200	62	(	(	PUNCT
fsr-3326	200	63	hoechle	hoechle	NOUN
fsr-3326	200	64	et	et	PROPN
fsr-3326	200	65	al	al	PROPN
fsr-3326	200	66	.	.	PROPN
fsr-3326	200	67	,	,	PUNCT
fsr-3326	200	68	2017	2017	NUM
fsr-3326	200	69	)	)	PUNCT
fsr-3326	200	70	.	.	PUNCT
fsr-3326	201	1	figure	figure	VERB
fsr-3326	201	2	4	4	NUM
fsr-3326	201	3	illustrates	illustrate	VERB
fsr-3326	201	4	this	this	DET
fsr-3326	201	5	direct	direct	ADJ
fsr-3326	201	6	negative	negative	ADJ
fsr-3326	201	7	impact	impact	NOUN
fsr-3326	201	8	where	where	SCONJ
fsr-3326	201	9	advisors	advisor	NOUN
fsr-3326	201	10	are	be	AUX
fsr-3326	201	11	thinking	think	VERB
fsr-3326	201	12	of	of	ADP
fsr-3326	201	13	themselves	themselves	PRON
fsr-3326	201	14	first	first	ADV
fsr-3326	201	15	when	when	SCONJ
fsr-3326	201	16	they	they	PRON
fsr-3326	201	17	are	be	AUX
fsr-3326	201	18	presented	present	VERB
fsr-3326	201	19	with	with	ADP
fsr-3326	201	20	the	the	DET
fsr-3326	201	21	opportunity	opportunity	NOUN
fsr-3326	201	22	to	to	PART
fsr-3326	201	23	do	do	AUX
fsr-3326	201	24	so	so	ADV
fsr-3326	201	25	.	.	PUNCT
fsr-3326	202	1	trust	trust	NOUN
fsr-3326	202	2	theory	theory	NOUN
fsr-3326	202	3	.	.	PUNCT
fsr-3326	203	1	with	with	ADP
fsr-3326	203	2	a	a	DET
fsr-3326	203	3	client	client	NOUN
fsr-3326	203	4	-	-	PUNCT
fsr-3326	203	5	advisor	advisor	NOUN
fsr-3326	203	6	trust	trust	NOUN
fsr-3326	203	7	relationship	relationship	NOUN
fsr-3326	203	8	,	,	PUNCT
fsr-3326	203	9	it	it	PRON
fsr-3326	203	10	is	be	AUX
fsr-3326	203	11	when	when	SCONJ
fsr-3326	203	12	agreeing	agree	VERB
fsr-3326	203	13	on	on	ADP
fsr-3326	203	14	how	how	SCONJ
fsr-3326	203	15	to	to	PART
fsr-3326	203	16	work	work	VERB
fsr-3326	203	17	together	together	ADV
fsr-3326	203	18	and	and	CCONJ
fsr-3326	203	19	on	on	ADP
fsr-3326	203	20	implementing	implement	VERB
fsr-3326	203	21	the	the	DET
fsr-3326	203	22	recommendations	recommendation	NOUN
fsr-3326	203	23	that	that	PRON
fsr-3326	203	24	trust	trust	NOUN
fsr-3326	203	25	has	have	VERB
fsr-3326	203	26	its	its	PRON
fsr-3326	203	27	greatest	great	ADJ
fsr-3326	203	28	impact	impact	NOUN
fsr-3326	203	29	.	.	PUNCT
fsr-3326	204	1	the	the	DET
fsr-3326	204	2	more	more	ADJ
fsr-3326	204	3	clients	client	NOUN
fsr-3326	204	4	place	place	VERB
fsr-3326	204	5	trust	trust	NOUN
fsr-3326	204	6	in	in	ADP
fsr-3326	204	7	their	their	PRON
fsr-3326	204	8	advisors	advisor	NOUN
fsr-3326	204	9	,	,	PUNCT
fsr-3326	204	10	the	the	PRON
fsr-3326	204	11	more	more	ADV
fsr-3326	204	12	they	they	PRON
fsr-3326	204	13	delegate	delegate	VERB
fsr-3326	204	14	power	power	NOUN
fsr-3326	204	15	(	(	PUNCT
fsr-3326	204	16	monti	monti	PROPN
fsr-3326	204	17	et	et	PROPN
fsr-3326	204	18	al	al	PROPN
fsr-3326	204	19	.	.	PROPN
fsr-3326	204	20	,	,	PUNCT
fsr-3326	204	21	2014	2014	NUM
fsr-3326	204	22	)	)	PUNCT
fsr-3326	204	23	and	and	CCONJ
fsr-3326	204	24	the	the	PRON
fsr-3326	204	25	more	more	ADV
fsr-3326	204	26	they	they	PRON
fsr-3326	204	27	follow	follow	VERB
fsr-3326	204	28	their	their	PRON
fsr-3326	204	29	advisors	advisor	NOUN
fsr-3326	204	30	’	'	PUNCT
fsr-3326	204	31	recommendations	recommendation	NOUN
fsr-3326	204	32	(	(	PUNCT
fsr-3326	204	33	barnett	barnett	PROPN
fsr-3326	204	34	white	white	PROPN
fsr-3326	204	35	,	,	PUNCT
fsr-3326	204	36	2005	2005	NUM
fsr-3326	204	37	)	)	PUNCT
fsr-3326	204	38	.	.	PUNCT
fsr-3326	205	1	accordingly	accordingly	ADV
fsr-3326	205	2	,	,	PUNCT
fsr-3326	205	3	the	the	DET
fsr-3326	205	4	impact	impact	NOUN
fsr-3326	205	5	on	on	ADP
fsr-3326	205	6	the	the	DET
fsr-3326	205	7	clients	client	NOUN
fsr-3326	205	8	’	'	PUNCT
fsr-3326	205	9	financial	financial	ADJ
fsr-3326	205	10	outcome	outcome	NOUN
fsr-3326	205	11	can	can	AUX
fsr-3326	205	12	be	be	AUX
fsr-3326	205	13	positive	positive	ADJ
fsr-3326	205	14	or	or	CCONJ
fsr-3326	205	15	negative	negative	ADJ
fsr-3326	205	16	,	,	PUNCT
fsr-3326	205	17	depending	depend	VERB
fsr-3326	205	18	on	on	ADP
fsr-3326	205	19	the	the	DET
fsr-3326	205	20	level	level	NOUN
fsr-3326	205	21	of	of	ADP
fsr-3326	205	22	trust	trust	NOUN
fsr-3326	205	23	placed	place	VERB
fsr-3326	205	24	in	in	ADP
fsr-3326	205	25	the	the	DET
fsr-3326	205	26	advisor	advisor	NOUN
fsr-3326	205	27	.	.	PUNCT
fsr-3326	206	1	but	but	CCONJ
fsr-3326	206	2	what	what	PRON
fsr-3326	206	3	may	may	AUX
fsr-3326	206	4	be	be	AUX
fsr-3326	206	5	the	the	DET
fsr-3326	206	6	impact	impact	NOUN
fsr-3326	206	7	of	of	ADP
fsr-3326	206	8	trust	trust	NOUN
fsr-3326	206	9	on	on	ADP
fsr-3326	206	10	the	the	DET
fsr-3326	206	11	other	other	ADJ
fsr-3326	206	12	steps	step	NOUN
fsr-3326	206	13	?	?	PUNCT
fsr-3326	207	1	one	one	PRON
fsr-3326	207	2	may	may	AUX
fsr-3326	207	3	say	say	VERB
fsr-3326	207	4	that	that	SCONJ
fsr-3326	207	5	the	the	DET
fsr-3326	207	6	importance	importance	NOUN
fsr-3326	207	7	of	of	ADP
fsr-3326	207	8	trust	trust	NOUN
fsr-3326	207	9	is	be	AUX
fsr-3326	207	10	rather	rather	ADV
fsr-3326	207	11	evident	evident	ADJ
fsr-3326	207	12	when	when	SCONJ
fsr-3326	207	13	gathering	gather	VERB
fsr-3326	207	14	information	information	NOUN
fsr-3326	207	15	,	,	PUNCT
fsr-3326	207	16	since	since	SCONJ
fsr-3326	207	17	an	an	DET
fsr-3326	207	18	advisor	advisor	NOUN
fsr-3326	207	19	’s	’s	PART
fsr-3326	207	20	analysis	analysis	NOUN
fsr-3326	207	21	of	of	ADP
fsr-3326	207	22	a	a	DET
fsr-3326	207	23	client	client	NOUN
fsr-3326	207	24	’s	’s	PART
fsr-3326	207	25	situation	situation	NOUN
fsr-3326	207	26	depends	depend	VERB
fsr-3326	207	27	upon	upon	SCONJ
fsr-3326	207	28	the	the	DET
fsr-3326	207	29	information	information	NOUN
fsr-3326	207	30	available	available	ADJ
fsr-3326	207	31	(	(	PUNCT
fsr-3326	207	32	hershey	hershey	PROPN
fsr-3326	207	33	et	et	PROPN
fsr-3326	207	34	al	al	PROPN
fsr-3326	207	35	.	.	PROPN
fsr-3326	207	36	,	,	PUNCT
fsr-3326	207	37	1990	1990	NUM
fsr-3326	207	38	)	)	PUNCT
fsr-3326	207	39	.	.	PUNCT
fsr-3326	208	1	in	in	ADP
fsr-3326	208	2	other	other	ADJ
fsr-3326	208	3	words	word	NOUN
fsr-3326	208	4	,	,	PUNCT
fsr-3326	208	5	clients	client	NOUN
fsr-3326	208	6	may	may	AUX
fsr-3326	208	7	ask	ask	VERB
fsr-3326	208	8	themselves	themselves	PRON
fsr-3326	208	9	if	if	SCONJ
fsr-3326	208	10	they	they	PRON
fsr-3326	208	11	should	should	AUX
fsr-3326	208	12	provide	provide	VERB
fsr-3326	208	13	all	all	DET
fsr-3326	208	14	relevant	relevant	ADJ
fsr-3326	208	15	personal	personal	ADJ
fsr-3326	208	16	information	information	NOUN
fsr-3326	208	17	to	to	ADP
fsr-3326	208	18	their	their	PRON
fsr-3326	208	19	advisor	advisor	NOUN
fsr-3326	208	20	?	?	PUNCT
fsr-3326	209	1	fischer	fischer	PROPN
fsr-3326	209	2	and	and	CCONJ
fsr-3326	209	3	gerhardt	gerhardt	PROPN
fsr-3326	209	4	(	(	PUNCT
fsr-3326	209	5	2007	2007	NUM
fsr-3326	209	6	)	)	PUNCT
fsr-3326	209	7	and	and	CCONJ
fsr-3326	209	8	foerster	foerster	PROPN
fsr-3326	209	9	et	et	PROPN
fsr-3326	209	10	al	al	PROPN
fsr-3326	209	11	.	.	PROPN
fsr-3326	210	1	(	(	PUNCT
fsr-3326	210	2	2017	2017	NUM
fsr-3326	210	3	)	)	PUNCT
fsr-3326	210	4	argue	argue	VERB
fsr-3326	210	5	that	that	SCONJ
fsr-3326	210	6	when	when	SCONJ
fsr-3326	210	7	the	the	DET
fsr-3326	210	8	client	client	NOUN
fsr-3326	210	9	provides	provide	VERB
fsr-3326	210	10	private	private	ADJ
fsr-3326	210	11	information	information	NOUN
fsr-3326	210	12	,	,	PUNCT
fsr-3326	210	13	this	this	PRON
fsr-3326	210	14	allows	allow	VERB
fsr-3326	210	15	the	the	DET
fsr-3326	210	16	advisor	advisor	NOUN
fsr-3326	210	17	to	to	PART
fsr-3326	210	18	personalize	personalize	VERB
fsr-3326	210	19	recommendations	recommendation	NOUN
fsr-3326	210	20	.	.	PUNCT
fsr-3326	211	1	accordingly	accordingly	ADV
fsr-3326	211	2	,	,	PUNCT
fsr-3326	211	3	the	the	DET
fsr-3326	211	4	client	client	NOUN
fsr-3326	211	5	should	should	AUX
fsr-3326	211	6	provide	provide	VERB
fsr-3326	211	7	all	all	DET
fsr-3326	211	8	available	available	ADJ
fsr-3326	211	9	information	information	NOUN
fsr-3326	211	10	to	to	ADP
fsr-3326	211	11	the	the	DET
fsr-3326	211	12	advisor	advisor	NOUN
fsr-3326	211	13	.	.	PUNCT
fsr-3326	212	1	on	on	ADP
fsr-3326	212	2	this	this	DET
fsr-3326	212	3	point	point	NOUN
fsr-3326	212	4	,	,	PUNCT
fsr-3326	212	5	omarzu	omarzu	NOUN
fsr-3326	212	6	(	(	PUNCT
fsr-3326	212	7	2000	2000	NUM
fsr-3326	212	8	)	)	PUNCT
fsr-3326	212	9	mentions	mention	VERB
fsr-3326	212	10	that	that	SCONJ
fsr-3326	212	11	clients	client	NOUN
fsr-3326	212	12	must	must	AUX
fsr-3326	212	13	consider	consider	VERB
fsr-3326	212	14	the	the	DET
fsr-3326	212	15	risk	risk	NOUN
fsr-3326	212	16	associated	associate	VERB
fsr-3326	212	17	with	with	ADP
fsr-3326	212	18	the	the	DET
fsr-3326	212	19	disclosure	disclosure	NOUN
fsr-3326	212	20	of	of	ADP
fsr-3326	212	21	personal	personal	ADJ
fsr-3326	212	22	information	information	NOUN
fsr-3326	212	23	,	,	PUNCT
fsr-3326	212	24	where	where	SCONJ
fsr-3326	212	25	such	such	ADJ
fsr-3326	212	26	risk	risk	NOUN
fsr-3326	212	27	brings	bring	VERB
fsr-3326	212	28	trust	trust	NOUN
fsr-3326	212	29	theory	theory	NOUN
fsr-3326	212	30	into	into	ADP
fsr-3326	212	31	play	play	NOUN
fsr-3326	212	32	.	.	PUNCT
fsr-3326	213	1	the	the	DET
fsr-3326	213	2	level	level	NOUN
fsr-3326	213	3	of	of	ADP
fsr-3326	213	4	trust	trust	NOUN
fsr-3326	213	5	a	a	DET
fsr-3326	213	6	client	client	NOUN
fsr-3326	213	7	has	have	VERB
fsr-3326	213	8	in	in	ADP
fsr-3326	213	9	the	the	DET
fsr-3326	213	10	advisor	advisor	NOUN
fsr-3326	213	11	will	will	AUX
fsr-3326	213	12	determine	determine	VERB
fsr-3326	213	13	the	the	DET
fsr-3326	213	14	level	level	NOUN
fsr-3326	213	15	of	of	ADP
fsr-3326	213	16	information	information	NOUN
fsr-3326	213	17	sharing	sharing	NOUN
fsr-3326	213	18	.	.	PUNCT
fsr-3326	214	1	here	here	ADV
fsr-3326	214	2	,	,	PUNCT
fsr-3326	214	3	trust	trust	NOUN
fsr-3326	214	4	in	in	ADP
fsr-3326	214	5	the	the	DET
fsr-3326	214	6	advisor	advisor	NOUN
fsr-3326	214	7	can	can	AUX
fsr-3326	214	8	directly	directly	ADV
fsr-3326	214	9	and	and	CCONJ
fsr-3326	214	10	positively	positively	ADV
fsr-3326	214	11	impact	impact	VERB
fsr-3326	214	12	clients	client	NOUN
fsr-3326	214	13	’	’	PART
fsr-3326	214	14	financial	financial	ADJ
fsr-3326	214	15	outcomes	outcome	NOUN
fsr-3326	214	16	.	.	PUNCT
fsr-3326	215	1	figure	figure	VERB
fsr-3326	215	2	4	4	NUM
fsr-3326	215	3	illustrates	illustrate	VERB
fsr-3326	215	4	this	this	DET
fsr-3326	215	5	essential	essential	ADJ
fsr-3326	215	6	element	element	NOUN
fsr-3326	215	7	to	to	PART
fsr-3326	215	8	reflect	reflect	VERB
fsr-3326	215	9	the	the	DET
fsr-3326	215	10	impact	impact	NOUN
fsr-3326	215	11	of	of	ADP
fsr-3326	215	12	trust	trust	NOUN
fsr-3326	215	13	theory	theory	NOUN
fsr-3326	215	14	more	more	ADV
fsr-3326	215	15	accurately	accurately	ADV
fsr-3326	215	16	at	at	ADP
fsr-3326	215	17	the	the	DET
fsr-3326	215	18	gathering	gathering	NOUN
fsr-3326	215	19	information	information	NOUN
fsr-3326	215	20	step	step	NOUN
fsr-3326	215	21	.	.	PUNCT
fsr-3326	216	1	to	to	ADP
fsr-3326	216	2	our	our	PRON
fsr-3326	216	3	knowledge	knowledge	NOUN
fsr-3326	216	4	,	,	PUNCT
fsr-3326	216	5	this	this	DET
fsr-3326	216	6	information	information	NOUN
fsr-3326	216	7	is	be	AUX
fsr-3326	216	8	often	often	ADV
fsr-3326	216	9	overlooked	overlook	VERB
fsr-3326	216	10	in	in	ADP
fsr-3326	216	11	the	the	DET
fsr-3326	216	12	data	datum	NOUN
fsr-3326	216	13	we	we	PRON
fsr-3326	216	14	analyze	analyze	VERB
fsr-3326	216	15	(	(	PUNCT
fsr-3326	216	16	one	one	NUM
fsr-3326	216	17	exception	exception	NOUN
fsr-3326	216	18	is	be	AUX
fsr-3326	216	19	alsemgeest	alsemgeest	NOUN
fsr-3326	216	20	(	(	PUNCT
fsr-3326	216	21	2022	2022	NUM
fsr-3326	216	22	)	)	PUNCT
fsr-3326	216	23	)	)	PUNCT
fsr-3326	216	24	.	.	PUNCT
fsr-3326	217	1	this	this	DET
fsr-3326	217	2	element	element	NOUN
fsr-3326	217	3	appears	appear	VERB
fsr-3326	217	4	in	in	ADP
fsr-3326	217	5	figure	figure	NOUN
fsr-3326	217	6	4	4	NUM
fsr-3326	217	7	as	as	ADP
fsr-3326	217	8	a	a	DET
fsr-3326	217	9	blue	blue	ADJ
fsr-3326	217	10	plus	plus	CCONJ
fsr-3326	217	11	symbol	symbol	NOUN
fsr-3326	217	12	surrounded	surround	VERB
fsr-3326	217	13	by	by	ADP
fsr-3326	217	14	a	a	DET
fsr-3326	217	15	circle	circle	NOUN
fsr-3326	217	16	.	.	PUNCT
fsr-3326	218	1	concept	concept	NOUN
fsr-3326	218	2	of	of	ADP
fsr-3326	218	3	knowledge	knowledge	NOUN
fsr-3326	218	4	.	.	PUNCT
fsr-3326	219	1	based	base	VERB
fsr-3326	219	2	on	on	ADP
fsr-3326	219	3	prior	prior	ADJ
fsr-3326	219	4	research	research	NOUN
fsr-3326	219	5	,	,	PUNCT
fsr-3326	219	6	it	it	PRON
fsr-3326	219	7	is	be	AUX
fsr-3326	219	8	when	when	SCONJ
fsr-3326	219	9	gathering	gather	VERB
fsr-3326	219	10	information	information	NOUN
fsr-3326	219	11	,	,	PUNCT
fsr-3326	219	12	analyzing	analyze	VERB
fsr-3326	219	13	the	the	DET
fsr-3326	219	14	situation	situation	NOUN
fsr-3326	219	15	,	,	PUNCT
fsr-3326	219	16	and	and	CCONJ
fsr-3326	219	17	monitoring	monitor	VERB
fsr-3326	219	18	progress	progress	NOUN
fsr-3326	219	19	that	that	SCONJ
fsr-3326	219	20	the	the	DET
fsr-3326	219	21	concept	concept	NOUN
fsr-3326	219	22	of	of	ADP
fsr-3326	219	23	knowledge	knowledge	NOUN
fsr-3326	219	24	plays	play	VERB
fsr-3326	219	25	an	an	DET
fsr-3326	219	26	important	important	ADJ
fsr-3326	219	27	role	role	NOUN
fsr-3326	219	28	and	and	CCONJ
fsr-3326	219	29	where	where	SCONJ
fsr-3326	219	30	it	it	PRON
fsr-3326	219	31	has	have	VERB
fsr-3326	219	32	a	a	DET
fsr-3326	219	33	positive	positive	ADJ
fsr-3326	219	34	impact	impact	NOUN
fsr-3326	219	35	.	.	PUNCT
fsr-3326	220	1	equipped	equip	VERB
fsr-3326	220	2	with	with	ADP
fsr-3326	220	3	proven	prove	VERB
fsr-3326	220	4	knowledge	knowledge	NOUN
fsr-3326	220	5	,	,	PUNCT
fsr-3326	220	6	the	the	DET
fsr-3326	220	7	financial	financial	ADJ
fsr-3326	220	8	advisor	advisor	NOUN
fsr-3326	220	9	can	can	AUX
fsr-3326	220	10	:	:	PUNCT
fsr-3326	220	11	(	(	PUNCT
fsr-3326	220	12	1	1	X
fsr-3326	220	13	)	)	PUNCT
fsr-3326	220	14	better	well	ADV
fsr-3326	220	15	identify	identify	VERB
fsr-3326	220	16	the	the	DET
fsr-3326	220	17	information	information	NOUN
fsr-3326	220	18	needed	need	VERB
fsr-3326	220	19	for	for	ADP
fsr-3326	220	20	analysis	analysis	NOUN
fsr-3326	220	21	,	,	PUNCT
fsr-3326	220	22	(	(	PUNCT
fsr-3326	220	23	2	2	X
fsr-3326	220	24	)	)	PUNCT
fsr-3326	220	25	better	well	ADJ
fsr-3326	220	26	assess	assess	VERB
fsr-3326	220	27	the	the	DET
fsr-3326	220	28	client	client	NOUN
fsr-3326	220	29	-	-	PUNCT
fsr-3326	220	30	specific	specific	ADJ
fsr-3326	220	31	situation	situation	NOUN
fsr-3326	220	32	and	and	CCONJ
fsr-3326	220	33	possible	possible	ADJ
fsr-3326	220	34	options	option	NOUN
fsr-3326	220	35	,	,	PUNCT
fsr-3326	220	36	and	and	CCONJ
fsr-3326	220	37	(	(	PUNCT
fsr-3326	220	38	3	3	X
fsr-3326	220	39	)	)	PUNCT
fsr-3326	220	40	better	well	ADJ
fsr-3326	220	41	determine	determine	VERB
fsr-3326	220	42	whether	whether	SCONJ
fsr-3326	220	43	to	to	PART
fsr-3326	220	44	restart	restart	VERB
fsr-3326	220	45	the	the	DET
fsr-3326	220	46	process	process	NOUN
fsr-3326	220	47	based	base	VERB
fsr-3326	220	48	on	on	ADP
fsr-3326	220	49	the	the	DET
fsr-3326	220	50	results	result	NOUN
fsr-3326	220	51	obtained	obtain	VERB
fsr-3326	220	52	(	(	PUNCT
fsr-3326	220	53	hershey	hershey	PROPN
fsr-3326	220	54	et	et	PROPN
fsr-3326	220	55	al	al	PROPN
fsr-3326	220	56	.	.	PROPN
fsr-3326	220	57	,	,	PUNCT
fsr-3326	220	58	1990	1990	NUM
fsr-3326	220	59	;	;	PUNCT
fsr-3326	220	60	hershey	hershey	PROPN
fsr-3326	220	61	&	&	CCONJ
fsr-3326	220	62	walsh	walsh	PROPN
fsr-3326	220	63	,	,	PUNCT
fsr-3326	220	64	2000	2000	NUM
fsr-3326	220	65	)	)	PUNCT
fsr-3326	220	66	.	.	PUNCT
fsr-3326	221	1	figure	figure	NOUN
fsr-3326	221	2	4	4	NUM
fsr-3326	221	3	illustrates	illustrate	VERB
fsr-3326	221	4	the	the	DET
fsr-3326	221	5	direct	direct	ADJ
fsr-3326	221	6	and	and	CCONJ
fsr-3326	221	7	positive	positive	ADJ
fsr-3326	221	8	impact	impact	NOUN
fsr-3326	221	9	of	of	ADP
fsr-3326	221	10	the	the	DET
fsr-3326	221	11	advisor	advisor	NOUN
fsr-3326	221	12	’s	’s	PART
fsr-3326	221	13	level	level	NOUN
fsr-3326	221	14	of	of	ADP
fsr-3326	221	15	knowledge	knowledge	NOUN
fsr-3326	221	16	.	.	PUNCT
fsr-3326	222	1	synergistic	synergistic	ADJ
fsr-3326	222	2	effect	effect	NOUN
fsr-3326	222	3	of	of	ADP
fsr-3326	222	4	the	the	DET
fsr-3326	222	5	three	three	NUM
fsr-3326	222	6	theoretical	theoretical	ADJ
fsr-3326	222	7	lenses	lense	NOUN
fsr-3326	222	8	the	the	DET
fsr-3326	222	9	interplay	interplay	NOUN
fsr-3326	222	10	between	between	ADP
fsr-3326	222	11	agency	agency	NOUN
fsr-3326	222	12	theory	theory	NOUN
fsr-3326	222	13	,	,	PUNCT
fsr-3326	222	14	trust	trust	NOUN
fsr-3326	222	15	theory	theory	NOUN
fsr-3326	222	16	,	,	PUNCT
fsr-3326	222	17	and	and	CCONJ
fsr-3326	222	18	the	the	DET
fsr-3326	222	19	concept	concept	NOUN
fsr-3326	222	20	of	of	ADP
fsr-3326	222	21	knowledge	knowledge	NOUN
fsr-3326	222	22	complexifies	complexifie	NOUN
fsr-3326	222	23	an	an	DET
fsr-3326	222	24	advisor	advisor	NOUN
fsr-3326	222	25	’s	’s	PART
fsr-3326	222	26	contribution	contribution	NOUN
fsr-3326	222	27	to	to	ADP
fsr-3326	222	28	their	their	PRON
fsr-3326	222	29	clients	client	NOUN
fsr-3326	222	30	’	’	PART
fsr-3326	222	31	financial	financial	ADJ
fsr-3326	222	32	outcomes	outcome	NOUN
fsr-3326	222	33	due	due	ADP
fsr-3326	222	34	to	to	ADP
fsr-3326	222	35	a	a	DET
fsr-3326	222	36	synergistic	synergistic	ADJ
fsr-3326	222	37	effect	effect	NOUN
fsr-3326	222	38	.	.	PUNCT
fsr-3326	223	1	depending	depend	VERB
fsr-3326	223	2	on	on	ADP
fsr-3326	223	3	the	the	DET
fsr-3326	223	4	theoretical	theoretical	ADJ
fsr-3326	223	5	perspectives	perspective	NOUN
fsr-3326	223	6	taken	take	VERB
fsr-3326	223	7	,	,	PUNCT
fsr-3326	223	8	the	the	DET
fsr-3326	223	9	advisor	advisor	NOUN
fsr-3326	223	10	may	may	AUX
fsr-3326	223	11	have	have	VERB
fsr-3326	223	12	a	a	DET
fsr-3326	223	13	positive	positive	ADJ
fsr-3326	223	14	impact	impact	NOUN
fsr-3326	223	15	or	or	CCONJ
fsr-3326	223	16	a	a	DET
fsr-3326	223	17	negative	negative	ADJ
fsr-3326	223	18	impact	impact	NOUN
fsr-3326	223	19	.	.	PUNCT
fsr-3326	224	1	figure	figure	NOUN
fsr-3326	224	2	5	5	NUM
fsr-3326	224	3	proposes	propose	VERB
fsr-3326	224	4	an	an	DET
fsr-3326	224	5	integrative	integrative	ADJ
fsr-3326	224	6	model	model	NOUN
fsr-3326	224	7	of	of	ADP
fsr-3326	224	8	this	this	DET
fsr-3326	224	9	synergistic	synergistic	ADJ
fsr-3326	224	10	effect	effect	NOUN
fsr-3326	224	11	based	base	VERB
fsr-3326	224	12	on	on	ADP
fsr-3326	224	13	four	four	NUM
fsr-3326	224	14	core	core	NOUN
fsr-3326	224	15	questions	question	NOUN
fsr-3326	224	16	associated	associate	VERB
fsr-3326	224	17	with	with	ADP
fsr-3326	224	18	the	the	DET
fsr-3326	224	19	six	six	NUM
fsr-3326	224	20	steps	step	NOUN
fsr-3326	224	21	,	,	PUNCT
fsr-3326	224	22	namely	namely	ADV
fsr-3326	224	23	:	:	PUNCT
fsr-3326	224	24	1	1	X
fsr-3326	224	25	.	.	PUNCT
fsr-3326	224	26	does	do	AUX
fsr-3326	224	27	the	the	DET
fsr-3326	224	28	client	client	NOUN
fsr-3326	224	29	trust	trust	VERB
fsr-3326	224	30	the	the	DET
fsr-3326	224	31	advisor	advisor	NOUN
fsr-3326	224	32	?	?	PROPN
fsr-3326	225	1	2	2	NUM
fsr-3326	225	2	.	.	PUNCT
fsr-3326	225	3	does	do	AUX
fsr-3326	225	4	the	the	DET
fsr-3326	225	5	advisor	advisor	NOUN
fsr-3326	225	6	prioritize	prioritize	VERB
fsr-3326	225	7	the	the	DET
fsr-3326	225	8	client	client	NOUN
fsr-3326	225	9	’s	’s	PART
fsr-3326	225	10	interest	interest	NOUN
fsr-3326	225	11	?	?	PUNCT
fsr-3326	226	1	3	3	X
fsr-3326	226	2	.	.	X
fsr-3326	226	3	does	do	AUX
fsr-3326	226	4	the	the	DET
fsr-3326	226	5	advisor	advisor	NOUN
fsr-3326	226	6	mobilize	mobilize	VERB
fsr-3326	226	7	their	their	PRON
fsr-3326	226	8	financial	financial	ADJ
fsr-3326	226	9	knowledge	knowledge	NOUN
fsr-3326	226	10	?	?	PUNCT
fsr-3326	227	1	4	4	X
fsr-3326	227	2	.	.	X
fsr-3326	227	3	does	do	AUX
fsr-3326	227	4	the	the	DET
fsr-3326	227	5	client	client	NOUN
fsr-3326	227	6	agree	agree	VERB
fsr-3326	227	7	to	to	PART
fsr-3326	227	8	disclose	disclose	VERB
fsr-3326	227	9	all	all	DET
fsr-3326	227	10	relevant	relevant	ADJ
fsr-3326	227	11	personal	personal	ADJ
fsr-3326	227	12	information	information	NOUN
fsr-3326	227	13	?	?	PUNCT
fsr-3326	228	1	the	the	DET
fsr-3326	228	2	integrative	integrative	ADJ
fsr-3326	228	3	model	model	NOUN
fsr-3326	228	4	resembles	resemble	VERB
fsr-3326	228	5	a	a	DET
fsr-3326	228	6	decision	decision	NOUN
fsr-3326	228	7	tree	tree	NOUN
fsr-3326	228	8	,	,	PUNCT
fsr-3326	228	9	where	where	SCONJ
fsr-3326	228	10	the	the	DET
fsr-3326	228	11	individual	individual	NOUN
fsr-3326	228	12	answers	answer	VERB
fsr-3326	228	13	the	the	DET
fsr-3326	228	14	four	four	NUM
fsr-3326	228	15	questions	question	NOUN
fsr-3326	228	16	by	by	ADP
fsr-3326	228	17	“	"	PUNCT
fsr-3326	228	18	yes	yes	INTJ
fsr-3326	228	19	”	"	PUNCT
fsr-3326	228	20	or	or	CCONJ
fsr-3326	228	21	“	"	PUNCT
fsr-3326	228	22	no	no	INTJ
fsr-3326	228	23	.	.	PUNCT
fsr-3326	228	24	”	"	PUNCT
fsr-3326	229	1	the	the	DET
fsr-3326	229	2	model	model	NOUN
fsr-3326	229	3	helps	help	VERB
fsr-3326	229	4	to	to	PART
fsr-3326	229	5	understand	understand	VERB
fsr-3326	229	6	what	what	PRON
fsr-3326	229	7	is	be	AUX
fsr-3326	229	8	inside	inside	ADP
fsr-3326	229	9	the	the	DET
fsr-3326	229	10	“	"	PUNCT
fsr-3326	229	11	black	black	ADJ
fsr-3326	229	12	box	box	NOUN
fsr-3326	229	13	;	;	PUNCT
fsr-3326	229	14	”	"	PUNCT
fsr-3326	229	15	that	that	PRON
fsr-3326	229	16	is	be	AUX
fsr-3326	229	17	,	,	PUNCT
fsr-3326	229	18	the	the	DET
fsr-3326	229	19	services	service	NOUN
fsr-3326	229	20	financial	financial	PROPN
fsr-3326	229	21	services	service	NOUN
fsr-3326	229	22	review	review	PROPN
fsr-3326	229	23	,	,	PUNCT
fsr-3326	229	24	32(3	32(3	NUM
fsr-3326	229	25	)	)	PUNCT
fsr-3326	229	26	43	43	NUM
fsr-3326	229	27	provided	provide	VERB
fsr-3326	229	28	by	by	ADP
fsr-3326	229	29	the	the	DET
fsr-3326	229	30	advisor	advisor	NOUN
fsr-3326	229	31	,	,	PUNCT
fsr-3326	229	32	a	a	DET
fsr-3326	229	33	credence	credence	NOUN
fsr-3326	229	34	good	good	NOUN
fsr-3326	229	35	.	.	PUNCT
fsr-3326	230	1	three	three	NUM
fsr-3326	230	2	elements	element	NOUN
fsr-3326	230	3	underlie	underlie	VERB
fsr-3326	230	4	the	the	DET
fsr-3326	230	5	integrative	integrative	ADJ
fsr-3326	230	6	model	model	NOUN
fsr-3326	230	7	:	:	PUNCT
fsr-3326	230	8	(	(	PUNCT
fsr-3326	230	9	1	1	X
fsr-3326	230	10	)	)	PUNCT
fsr-3326	230	11	the	the	DET
fsr-3326	230	12	four	four	NUM
fsr-3326	230	13	questions	question	NOUN
fsr-3326	230	14	provide	provide	VERB
fsr-3326	230	15	a	a	DET
fsr-3326	230	16	priority	priority	NOUN
fsr-3326	230	17	order	order	NOUN
fsr-3326	230	18	,	,	PUNCT
fsr-3326	230	19	(	(	PUNCT
fsr-3326	230	20	2	2	X
fsr-3326	230	21	)	)	PUNCT
fsr-3326	230	22	the	the	DET
fsr-3326	230	23	step	step	NOUN
fsr-3326	230	24	in	in	ADP
fsr-3326	230	25	the	the	DET
fsr-3326	230	26	process	process	NOUN
fsr-3326	230	27	determines	determine	NOUN
fsr-3326	230	28	which	which	PRON
fsr-3326	230	29	theoretical	theoretical	ADJ
fsr-3326	230	30	lens	lens	NOUN
fsr-3326	230	31	will	will	AUX
fsr-3326	230	32	dominate	dominate	VERB
fsr-3326	230	33	,	,	PUNCT
fsr-3326	230	34	and	and	CCONJ
fsr-3326	230	35	(	(	PUNCT
fsr-3326	230	36	3	3	X
fsr-3326	230	37	)	)	PUNCT
fsr-3326	230	38	a	a	DET
fsr-3326	230	39	theory	theory	NOUN
fsr-3326	230	40	applies	apply	VERB
fsr-3326	230	41	or	or	CCONJ
fsr-3326	230	42	not	not	PART
fsr-3326	230	43	depending	depend	VERB
fsr-3326	230	44	on	on	ADP
fsr-3326	230	45	whether	whether	SCONJ
fsr-3326	230	46	the	the	DET
fsr-3326	230	47	individual	individual	NOUN
fsr-3326	230	48	performs	perform	VERB
fsr-3326	230	49	the	the	DET
fsr-3326	230	50	process	process	NOUN
fsr-3326	230	51	alone	alone	ADV
fsr-3326	230	52	or	or	CCONJ
fsr-3326	230	53	is	be	AUX
fsr-3326	230	54	assisted	assist	VERB
fsr-3326	230	55	to	to	ADP
fsr-3326	230	56	various	various	ADJ
fsr-3326	230	57	degrees	degree	NOUN
fsr-3326	230	58	by	by	ADP
fsr-3326	230	59	a	a	DET
fsr-3326	230	60	financial	financial	ADJ
fsr-3326	230	61	advisor	advisor	NOUN
fsr-3326	230	62	.	.	PUNCT
fsr-3326	231	1	figure	figure	NOUN
fsr-3326	231	2	5	5	NUM
fsr-3326	231	3	illustrates	illustrate	VERB
fsr-3326	231	4	the	the	DET
fsr-3326	231	5	advisor	advisor	NOUN
fsr-3326	231	6	’s	’s	PART
fsr-3326	231	7	impact	impact	NOUN
fsr-3326	231	8	on	on	ADP
fsr-3326	231	9	outcomes	outcome	NOUN
fsr-3326	231	10	by	by	ADP
fsr-3326	231	11	contrasting	contrast	VERB
fsr-3326	231	12	when	when	SCONJ
fsr-3326	231	13	the	the	DET
fsr-3326	231	14	process	process	NOUN
fsr-3326	231	15	is	be	AUX
fsr-3326	231	16	carried	carry	VERB
fsr-3326	231	17	out	out	ADP
fsr-3326	231	18	alone	alone	ADV
fsr-3326	231	19	(	(	PUNCT
fsr-3326	231	20	unassisted	unassisted	ADJ
fsr-3326	231	21	)	)	PUNCT
fsr-3326	231	22	,	,	PUNCT
fsr-3326	231	23	with	with	SCONJ
fsr-3326	231	24	the	the	DET
fsr-3326	231	25	outcome	outcome	NOUN
fsr-3326	231	26	set	set	VERB
fsr-3326	231	27	to	to	ADP
fsr-3326	231	28	zero	zero	NUM
fsr-3326	231	29	,	,	PUNCT
fsr-3326	231	30	or	or	CCONJ
fsr-3326	231	31	with	with	ADP
fsr-3326	231	32	an	an	DET
fsr-3326	231	33	advisor	advisor	NOUN
fsr-3326	231	34	,	,	PUNCT
fsr-3326	231	35	even	even	ADV
fsr-3326	231	36	if	if	SCONJ
fsr-3326	231	37	factors	factor	NOUN
fsr-3326	231	38	such	such	ADJ
fsr-3326	231	39	as	as	ADP
fsr-3326	231	40	individual	individual	ADJ
fsr-3326	231	41	financial	financial	ADJ
fsr-3326	231	42	knowledge	knowledge	NOUN
fsr-3326	231	43	may	may	AUX
fsr-3326	231	44	affect	affect	VERB
fsr-3326	231	45	the	the	DET
fsr-3326	231	46	financial	financial	ADJ
fsr-3326	231	47	outcome	outcome	NOUN
fsr-3326	231	48	.	.	PUNCT
fsr-3326	232	1	we	we	PRON
fsr-3326	232	2	aim	aim	VERB
fsr-3326	232	3	to	to	PART
fsr-3326	232	4	conceptualize	conceptualize	VERB
fsr-3326	232	5	an	an	DET
fsr-3326	232	6	anticipated	anticipated	ADJ
fsr-3326	232	7	positive	positive	ADJ
fsr-3326	232	8	outcome	outcome	NOUN
fsr-3326	232	9	when	when	SCONJ
fsr-3326	232	10	the	the	DET
fsr-3326	232	11	financial	financial	ADJ
fsr-3326	232	12	advisor	advisor	NOUN
fsr-3326	232	13	is	be	AUX
fsr-3326	232	14	involved	involve	VERB
fsr-3326	232	15	,	,	PUNCT
fsr-3326	232	16	as	as	ADV
fsr-3326	232	17	well	well	ADV
fsr-3326	232	18	as	as	ADP
fsr-3326	232	19	situations	situation	NOUN
fsr-3326	232	20	where	where	SCONJ
fsr-3326	232	21	the	the	DET
fsr-3326	232	22	advisor	advisor	NOUN
fsr-3326	232	23	’s	’s	PART
fsr-3326	232	24	involvement	involvement	NOUN
fsr-3326	232	25	may	may	AUX
fsr-3326	232	26	result	result	VERB
fsr-3326	232	27	in	in	ADP
fsr-3326	232	28	an	an	DET
fsr-3326	232	29	outcome	outcome	NOUN
fsr-3326	232	30	that	that	PRON
fsr-3326	232	31	may	may	AUX
fsr-3326	232	32	be	be	AUX
fsr-3326	232	33	equal	equal	ADJ
fsr-3326	232	34	to	to	ADP
fsr-3326	232	35	or	or	CCONJ
fsr-3326	232	36	worse	bad	ADJ
fsr-3326	232	37	than	than	ADP
fsr-3326	232	38	when	when	SCONJ
fsr-3326	232	39	an	an	DET
fsr-3326	232	40	individual	individual	ADJ
fsr-3326	232	41	acts	act	VERB
fsr-3326	232	42	alone	alone	ADV
fsr-3326	232	43	.	.	PUNCT
fsr-3326	233	1	we	we	PRON
fsr-3326	233	2	will	will	AUX
fsr-3326	233	3	now	now	ADV
fsr-3326	233	4	turn	turn	VERB
fsr-3326	233	5	to	to	ADP
fsr-3326	233	6	an	an	DET
fsr-3326	233	7	analysis	analysis	NOUN
fsr-3326	233	8	of	of	ADP
fsr-3326	233	9	findings	finding	NOUN
fsr-3326	233	10	around	around	ADP
fsr-3326	233	11	the	the	DET
fsr-3326	233	12	four	four	NUM
fsr-3326	233	13	core	core	NOUN
fsr-3326	233	14	questions	question	NOUN
fsr-3326	233	15	.	.	PUNCT
fsr-3326	234	1	figure	figure	VERB
fsr-3326	234	2	5	5	NUM
fsr-3326	234	3	.	.	PUNCT
fsr-3326	234	4	integrative	integrative	ADJ
fsr-3326	234	5	model	model	NOUN
fsr-3326	234	6	of	of	ADP
fsr-3326	234	7	the	the	DET
fsr-3326	234	8	impact	impact	NOUN
fsr-3326	234	9	of	of	ADP
fsr-3326	234	10	financial	financial	ADJ
fsr-3326	234	11	advisors	advisor	NOUN
fsr-3326	234	12	on	on	ADP
fsr-3326	234	13	their	their	PRON
fsr-3326	234	14	clients	client	NOUN
fsr-3326	234	15	’	’	PART
fsr-3326	234	16	financial	financial	ADJ
fsr-3326	234	17	outcomes	outcome	NOUN
fsr-3326	234	18	does	do	AUX
fsr-3326	234	19	the	the	DET
fsr-3326	234	20	client	client	NOUN
fsr-3326	234	21	trust	trust	VERB
fsr-3326	234	22	the	the	DET
fsr-3326	234	23	advisor	advisor	NOUN
fsr-3326	234	24	?	?	PUNCT
fsr-3326	235	1	the	the	DET
fsr-3326	235	2	answer	answer	NOUN
fsr-3326	235	3	to	to	ADP
fsr-3326	235	4	that	that	DET
fsr-3326	235	5	question	question	NOUN
fsr-3326	235	6	underlies	underlie	VERB
fsr-3326	235	7	agreeing	agree	VERB
fsr-3326	235	8	on	on	ADP
fsr-3326	235	9	how	how	SCONJ
fsr-3326	235	10	to	to	PART
fsr-3326	235	11	work	work	VERB
fsr-3326	235	12	together	together	ADV
fsr-3326	235	13	and	and	CCONJ
fsr-3326	235	14	implementing	implement	VERB
fsr-3326	235	15	the	the	DET
fsr-3326	235	16	recommendations	recommendation	NOUN
fsr-3326	235	17	.	.	PUNCT
fsr-3326	236	1	for	for	ADP
fsr-3326	236	2	these	these	DET
fsr-3326	236	3	two	two	NUM
fsr-3326	236	4	steps	step	NOUN
fsr-3326	236	5	,	,	PUNCT
fsr-3326	236	6	trust	trust	NOUN
fsr-3326	236	7	theory	theory	NOUN
fsr-3326	236	8	plays	play	VERB
fsr-3326	236	9	a	a	DET
fsr-3326	236	10	primary	primary	ADJ
fsr-3326	236	11	role	role	NOUN
fsr-3326	236	12	over	over	ADP
fsr-3326	236	13	the	the	DET
fsr-3326	236	14	two	two	NUM
fsr-3326	236	15	other	other	ADJ
fsr-3326	236	16	theoretical	theoretical	ADJ
fsr-3326	236	17	lenses	lense	NOUN
fsr-3326	236	18	since	since	SCONJ
fsr-3326	236	19	the	the	DET
fsr-3326	236	20	client	client	NOUN
fsr-3326	236	21	delegates	delegate	NOUN
fsr-3326	236	22	to	to	ADP
fsr-3326	236	23	the	the	DET
fsr-3326	236	24	advisor	advisor	NOUN
fsr-3326	236	25	.	.	PUNCT
fsr-3326	237	1	when	when	SCONJ
fsr-3326	237	2	the	the	DET
fsr-3326	237	3	client	client	NOUN
fsr-3326	237	4	trusts	trust	VERB
fsr-3326	237	5	the	the	DET
fsr-3326	237	6	advisor	advisor	NOUN
fsr-3326	237	7	,	,	PUNCT
fsr-3326	237	8	then	then	ADV
fsr-3326	237	9	the	the	DET
fsr-3326	237	10	effects	effect	NOUN
fsr-3326	237	11	of	of	ADP
fsr-3326	237	12	agency	agency	NOUN
fsr-3326	237	13	theory	theory	NOUN
fsr-3326	237	14	and	and	CCONJ
fsr-3326	237	15	the	the	DET
fsr-3326	237	16	concept	concept	NOUN
fsr-3326	237	17	of	of	ADP
fsr-3326	237	18	knowledge	knowledge	NOUN
fsr-3326	237	19	may	may	AUX
fsr-3326	237	20	come	come	VERB
fsr-3326	237	21	into	into	ADP
fsr-3326	237	22	play	play	NOUN
fsr-3326	237	23	to	to	PART
fsr-3326	237	24	influence	influence	VERB
fsr-3326	237	25	the	the	DET
fsr-3326	237	26	outcome	outcome	NOUN
fsr-3326	237	27	of	of	ADP
fsr-3326	237	28	the	the	DET
fsr-3326	237	29	process	process	NOUN
fsr-3326	237	30	.	.	PUNCT
fsr-3326	238	1	at	at	ADP
fsr-3326	238	2	the	the	DET
fsr-3326	238	3	implementation	implementation	NOUN
fsr-3326	238	4	step	step	NOUN
fsr-3326	238	5	,	,	PUNCT
fsr-3326	238	6	if	if	SCONJ
fsr-3326	238	7	the	the	DET
fsr-3326	238	8	client	client	NOUN
fsr-3326	238	9	does	do	AUX
fsr-3326	238	10	not	not	PART
fsr-3326	238	11	accept	accept	VERB
fsr-3326	238	12	the	the	DET
fsr-3326	238	13	advisor	advisor	NOUN
fsr-3326	238	14	’s	’s	PART
fsr-3326	238	15	recommendations	recommendation	NOUN
fsr-3326	238	16	,	,	PUNCT
fsr-3326	238	17	the	the	DET
fsr-3326	238	18	negative	negative	ADJ
fsr-3326	238	19	impact	impact	NOUN
fsr-3326	238	20	related	relate	VERB
fsr-3326	238	21	to	to	ADP
fsr-3326	238	22	an	an	DET
fsr-3326	238	23	advisor	advisor	NOUN
fsr-3326	238	24	’s	’s	PART
fsr-3326	238	25	selfinterest	selfinterest	NOUN
fsr-3326	238	26	or	or	CCONJ
fsr-3326	238	27	the	the	DET
fsr-3326	238	28	positive	positive	ADJ
fsr-3326	238	29	impact	impact	NOUN
fsr-3326	238	30	related	relate	VERB
fsr-3326	238	31	to	to	ADP
fsr-3326	238	32	an	an	DET
fsr-3326	238	33	advisor	advisor	NOUN
fsr-3326	238	34	’s	’s	PART
fsr-3326	238	35	knowledge	knowledge	NOUN
fsr-3326	238	36	will	will	AUX
fsr-3326	238	37	not	not	PART
fsr-3326	238	38	manifest	manifest	VERB
fsr-3326	238	39	pilote	pilote	X
fsr-3326	238	40	et	et	PROPN
fsr-3326	238	41	al	al	PROPN
fsr-3326	238	42	.	.	PROPN
fsr-3326	239	1	44	44	NUM
fsr-3326	239	2	themselves	themselves	PRON
fsr-3326	239	3	in	in	ADP
fsr-3326	239	4	the	the	DET
fsr-3326	239	5	financial	financial	ADJ
fsr-3326	239	6	outcome	outcome	NOUN
fsr-3326	239	7	.	.	PUNCT
fsr-3326	240	1	stated	state	VERB
fsr-3326	240	2	otherwise	otherwise	ADV
fsr-3326	240	3	,	,	PUNCT
fsr-3326	240	4	using	use	VERB
fsr-3326	240	5	a	a	DET
fsr-3326	240	6	trust	trust	NOUN
fsr-3326	240	7	theory	theory	NOUN
fsr-3326	240	8	lens	len	NOUN
fsr-3326	240	9	,	,	PUNCT
fsr-3326	240	10	a	a	DET
fsr-3326	240	11	decision	decision	NOUN
fsr-3326	240	12	by	by	ADP
fsr-3326	240	13	a	a	DET
fsr-3326	240	14	client	client	NOUN
fsr-3326	240	15	to	to	PART
fsr-3326	240	16	turn	turn	VERB
fsr-3326	240	17	down	down	ADP
fsr-3326	240	18	an	an	DET
fsr-3326	240	19	advisor	advisor	NOUN
fsr-3326	240	20	’s	’s	PART
fsr-3326	240	21	recommendation	recommendation	NOUN
fsr-3326	240	22	results	result	NOUN
fsr-3326	240	23	in	in	ADP
fsr-3326	240	24	a	a	DET
fsr-3326	240	25	positive	positive	ADJ
fsr-3326	240	26	impact	impact	NOUN
fsr-3326	240	27	if	if	SCONJ
fsr-3326	240	28	the	the	DET
fsr-3326	240	29	recommendation	recommendation	NOUN
fsr-3326	240	30	is	be	AUX
fsr-3326	240	31	harmful	harmful	ADJ
fsr-3326	240	32	,	,	PUNCT
fsr-3326	240	33	and	and	CCONJ
fsr-3326	240	34	in	in	ADP
fsr-3326	240	35	a	a	DET
fsr-3326	240	36	negative	negative	ADJ
fsr-3326	240	37	impact	impact	NOUN
fsr-3326	240	38	if	if	SCONJ
fsr-3326	240	39	the	the	DET
fsr-3326	240	40	recommendation	recommendation	NOUN
fsr-3326	240	41	is	be	AUX
fsr-3326	240	42	beneficial	beneficial	ADJ
fsr-3326	240	43	(	(	PUNCT
fsr-3326	240	44	monti	monti	PROPN
fsr-3326	240	45	et	et	PROPN
fsr-3326	240	46	al	al	PROPN
fsr-3326	240	47	.	.	PROPN
fsr-3326	240	48	,	,	PUNCT
fsr-3326	240	49	2014	2014	NUM
fsr-3326	240	50	)	)	PUNCT
fsr-3326	240	51	.	.	PUNCT
fsr-3326	241	1	however	however	ADV
fsr-3326	241	2	,	,	PUNCT
fsr-3326	241	3	if	if	SCONJ
fsr-3326	241	4	the	the	DET
fsr-3326	241	5	client	client	NOUN
fsr-3326	241	6	accepts	accept	VERB
fsr-3326	241	7	the	the	DET
fsr-3326	241	8	advisor	advisor	NOUN
fsr-3326	241	9	’s	’s	PART
fsr-3326	241	10	recommendations	recommendation	NOUN
fsr-3326	241	11	,	,	PUNCT
fsr-3326	241	12	it	it	PRON
fsr-3326	241	13	places	place	VERB
fsr-3326	241	14	the	the	DET
fsr-3326	241	15	individual	individual	NOUN
fsr-3326	241	16	in	in	ADP
fsr-3326	241	17	a	a	DET
fsr-3326	241	18	vulnerable	vulnerable	ADJ
fsr-3326	241	19	position	position	NOUN
fsr-3326	241	20	where	where	SCONJ
fsr-3326	241	21	they	they	PRON
fsr-3326	241	22	can	can	AUX
fsr-3326	241	23	not	not	PART
fsr-3326	241	24	mitigate	mitigate	VERB
fsr-3326	241	25	the	the	DET
fsr-3326	241	26	effects	effect	NOUN
fsr-3326	241	27	,	,	PUNCT
fsr-3326	241	28	positive	positive	ADJ
fsr-3326	241	29	or	or	CCONJ
fsr-3326	241	30	negative	negative	ADJ
fsr-3326	241	31	,	,	PUNCT
fsr-3326	241	32	associated	associate	VERB
fsr-3326	241	33	with	with	ADP
fsr-3326	241	34	the	the	DET
fsr-3326	241	35	other	other	ADJ
fsr-3326	241	36	steps	step	NOUN
fsr-3326	241	37	of	of	ADP
fsr-3326	241	38	the	the	DET
fsr-3326	241	39	process	process	NOUN
fsr-3326	241	40	.	.	PUNCT
fsr-3326	242	1	as	as	ADP
fsr-3326	242	2	a	a	DET
fsr-3326	242	3	reminder	reminder	NOUN
fsr-3326	242	4	,	,	PUNCT
fsr-3326	242	5	trusting	trust	VERB
fsr-3326	242	6	can	can	AUX
fsr-3326	242	7	be	be	AUX
fsr-3326	242	8	beneficial	beneficial	ADJ
fsr-3326	242	9	,	,	PUNCT
fsr-3326	242	10	but	but	CCONJ
fsr-3326	242	11	overtrusting	overtruste	VERB
fsr-3326	242	12	can	can	AUX
fsr-3326	242	13	lead	lead	VERB
fsr-3326	242	14	to	to	ADP
fsr-3326	242	15	abuse	abuse	NOUN
fsr-3326	242	16	by	by	ADP
fsr-3326	242	17	the	the	DET
fsr-3326	242	18	financial	financial	ADJ
fsr-3326	242	19	advisor	advisor	NOUN
fsr-3326	242	20	(	(	PUNCT
fsr-3326	242	21	gennaioli	gennaioli	PROPN
fsr-3326	242	22	et	et	PROPN
fsr-3326	242	23	al	al	PROPN
fsr-3326	242	24	.	.	PROPN
fsr-3326	242	25	,	,	PUNCT
fsr-3326	242	26	2015	2015	NUM
fsr-3326	242	27	;	;	PUNCT
fsr-3326	242	28	schwartz	schwartz	PROPN
fsr-3326	242	29	et	et	PROPN
fsr-3326	242	30	al	al	PROPN
fsr-3326	242	31	.	.	PROPN
fsr-3326	242	32	,	,	PUNCT
fsr-3326	242	33	2011	2011	NUM
fsr-3326	242	34	)	)	PUNCT
fsr-3326	242	35	.	.	PUNCT
fsr-3326	243	1	does	do	AUX
fsr-3326	243	2	the	the	DET
fsr-3326	243	3	advisor	advisor	NOUN
fsr-3326	243	4	prioritize	prioritize	VERB
fsr-3326	243	5	the	the	DET
fsr-3326	243	6	client	client	NOUN
fsr-3326	243	7	’s	’s	PART
fsr-3326	243	8	interests	interest	NOUN
fsr-3326	243	9	?	?	PUNCT
fsr-3326	244	1	this	this	DET
fsr-3326	244	2	question	question	NOUN
fsr-3326	244	3	puts	put	VERB
fsr-3326	244	4	forward	forward	ADP
fsr-3326	244	5	agency	agency	NOUN
fsr-3326	244	6	theory	theory	NOUN
fsr-3326	244	7	,	,	PUNCT
fsr-3326	244	8	with	with	ADP
fsr-3326	244	9	emphasis	emphasis	NOUN
fsr-3326	244	10	on	on	ADP
fsr-3326	244	11	analyzing	analyze	VERB
fsr-3326	244	12	the	the	DET
fsr-3326	244	13	situation	situation	NOUN
fsr-3326	244	14	,	,	PUNCT
fsr-3326	244	15	providing	provide	VERB
fsr-3326	244	16	recommendations	recommendation	NOUN
fsr-3326	244	17	,	,	PUNCT
fsr-3326	244	18	and	and	CCONJ
fsr-3326	244	19	monitoring	monitor	VERB
fsr-3326	244	20	progress	progress	NOUN
fsr-3326	244	21	.	.	PUNCT
fsr-3326	245	1	here	here	ADV
fsr-3326	245	2	,	,	PUNCT
fsr-3326	245	3	the	the	DET
fsr-3326	245	4	client	client	NOUN
fsr-3326	245	5	trusts	trust	VERB
fsr-3326	245	6	the	the	DET
fsr-3326	245	7	advisor	advisor	NOUN
fsr-3326	245	8	,	,	PUNCT
fsr-3326	245	9	opening	open	VERB
fsr-3326	245	10	the	the	DET
fsr-3326	245	11	door	door	NOUN
fsr-3326	245	12	to	to	ADP
fsr-3326	245	13	potential	potential	ADJ
fsr-3326	245	14	conflicts	conflict	NOUN
fsr-3326	245	15	of	of	ADP
fsr-3326	245	16	interest	interest	NOUN
fsr-3326	245	17	,	,	PUNCT
fsr-3326	245	18	depending	depend	VERB
fsr-3326	245	19	on	on	ADP
fsr-3326	245	20	whether	whether	SCONJ
fsr-3326	245	21	the	the	DET
fsr-3326	245	22	advisor	advisor	NOUN
fsr-3326	245	23	prioritizes	prioritize	VERB
fsr-3326	245	24	their	their	PRON
fsr-3326	245	25	interests	interest	NOUN
fsr-3326	245	26	or	or	CCONJ
fsr-3326	245	27	the	the	DET
fsr-3326	245	28	clients	client	NOUN
fsr-3326	245	29	’	’	PART
fsr-3326	245	30	interests	interest	NOUN
fsr-3326	245	31	.	.	PUNCT
fsr-3326	246	1	if	if	SCONJ
fsr-3326	246	2	an	an	DET
fsr-3326	246	3	advisor	advisor	NOUN
fsr-3326	246	4	maximizes	maximize	VERB
fsr-3326	246	5	their	their	PRON
fsr-3326	246	6	own	own	ADJ
fsr-3326	246	7	interests	interest	NOUN
fsr-3326	246	8	,	,	PUNCT
fsr-3326	246	9	not	not	PART
fsr-3326	246	10	only	only	ADV
fsr-3326	246	11	does	do	AUX
fsr-3326	246	12	it	it	PRON
fsr-3326	246	13	negatively	negatively	ADV
fsr-3326	246	14	impact	impact	VERB
fsr-3326	246	15	their	their	PRON
fsr-3326	246	16	clients	client	NOUN
fsr-3326	246	17	’	’	PART
fsr-3326	246	18	financial	financial	ADJ
fsr-3326	246	19	outcomes	outcome	NOUN
fsr-3326	246	20	,	,	PUNCT
fsr-3326	246	21	but	but	CCONJ
fsr-3326	246	22	it	it	PRON
fsr-3326	246	23	also	also	ADV
fsr-3326	246	24	cancels	cancel	VERB
fsr-3326	246	25	the	the	DET
fsr-3326	246	26	effects	effect	NOUN
fsr-3326	246	27	of	of	ADP
fsr-3326	246	28	the	the	DET
fsr-3326	246	29	concept	concept	NOUN
fsr-3326	246	30	of	of	ADP
fsr-3326	246	31	knowledge	knowledge	NOUN
fsr-3326	246	32	.	.	PUNCT
fsr-3326	247	1	in	in	ADP
fsr-3326	247	2	this	this	DET
fsr-3326	247	3	regard	regard	NOUN
fsr-3326	247	4	,	,	PUNCT
fsr-3326	247	5	blanchett	blanchett	PROPN
fsr-3326	247	6	(	(	PUNCT
fsr-3326	247	7	2019	2019	NUM
fsr-3326	247	8	)	)	PUNCT
fsr-3326	247	9	and	and	CCONJ
fsr-3326	247	10	bergstresser	bergstresser	NOUN
fsr-3326	247	11	et	et	PROPN
fsr-3326	247	12	al	al	PROPN
fsr-3326	247	13	.	.	PROPN
fsr-3326	247	14	(	(	PUNCT
fsr-3326	247	15	2009	2009	NUM
fsr-3326	247	16	)	)	PUNCT
fsr-3326	247	17	report	report	NOUN
fsr-3326	247	18	that	that	SCONJ
fsr-3326	247	19	the	the	DET
fsr-3326	247	20	advisor	advisor	NOUN
fsr-3326	247	21	’s	’s	PART
fsr-3326	247	22	conflict	conflict	NOUN
fsr-3326	247	23	of	of	ADP
fsr-3326	247	24	interest	interest	NOUN
fsr-3326	247	25	can	can	AUX
fsr-3326	247	26	negate	negate	VERB
fsr-3326	247	27	the	the	DET
fsr-3326	247	28	benefits	benefit	NOUN
fsr-3326	247	29	associated	associate	VERB
fsr-3326	247	30	with	with	ADP
fsr-3326	247	31	the	the	DET
fsr-3326	247	32	advisor	advisor	NOUN
fsr-3326	247	33	’s	’s	PART
fsr-3326	247	34	knowledge	knowledge	NOUN
fsr-3326	247	35	and	and	CCONJ
fsr-3326	247	36	expertise	expertise	NOUN
fsr-3326	247	37	.	.	PUNCT
fsr-3326	248	1	alternatively	alternatively	ADV
fsr-3326	248	2	,	,	PUNCT
fsr-3326	248	3	if	if	SCONJ
fsr-3326	248	4	advisors	advisor	NOUN
fsr-3326	248	5	prioritize	prioritize	VERB
fsr-3326	248	6	clients	client	NOUN
fsr-3326	248	7	’	’	PART
fsr-3326	248	8	interests	interest	NOUN
fsr-3326	248	9	,	,	PUNCT
fsr-3326	248	10	then	then	ADV
fsr-3326	248	11	they	they	PRON
fsr-3326	248	12	can	can	AUX
fsr-3326	248	13	make	make	VERB
fsr-3326	248	14	use	use	NOUN
fsr-3326	248	15	of	of	ADP
fsr-3326	248	16	their	their	PRON
fsr-3326	248	17	knowledge	knowledge	NOUN
fsr-3326	248	18	.	.	PUNCT
fsr-3326	249	1	when	when	SCONJ
fsr-3326	249	2	the	the	DET
fsr-3326	249	3	client	client	NOUN
fsr-3326	249	4	and	and	CCONJ
fsr-3326	249	5	advisor	advisor	NOUN
fsr-3326	249	6	’s	’s	PART
fsr-3326	249	7	interests	interest	NOUN
fsr-3326	249	8	coincide	coincide	NOUN
fsr-3326	249	9	,	,	PUNCT
fsr-3326	249	10	the	the	DET
fsr-3326	249	11	advisor	advisor	NOUN
fsr-3326	249	12	can	can	AUX
fsr-3326	249	13	have	have	VERB
fsr-3326	249	14	a	a	DET
fsr-3326	249	15	strong	strong	ADJ
fsr-3326	249	16	positive	positive	ADJ
fsr-3326	249	17	influence	influence	NOUN
fsr-3326	249	18	on	on	ADP
fsr-3326	249	19	a	a	DET
fsr-3326	249	20	client	client	NOUN
fsr-3326	249	21	’s	’s	PART
fsr-3326	249	22	financial	financial	ADJ
fsr-3326	249	23	outcomes	outcome	NOUN
fsr-3326	249	24	(	(	PUNCT
fsr-3326	249	25	finke	finke	PROPN
fsr-3326	249	26	,	,	PUNCT
fsr-3326	249	27	2013	2013	NUM
fsr-3326	249	28	)	)	PUNCT
fsr-3326	249	29	.	.	PUNCT
fsr-3326	250	1	does	do	AUX
fsr-3326	250	2	the	the	DET
fsr-3326	250	3	advisor	advisor	NOUN
fsr-3326	250	4	mobilize	mobilize	VERB
fsr-3326	250	5	their	their	PRON
fsr-3326	250	6	financial	financial	ADJ
fsr-3326	250	7	knowledge	knowledge	NOUN
fsr-3326	250	8	?	?	PUNCT
fsr-3326	251	1	this	this	DET
fsr-3326	251	2	question	question	NOUN
fsr-3326	251	3	comes	come	VERB
fsr-3326	251	4	into	into	ADP
fsr-3326	251	5	play	play	NOUN
fsr-3326	251	6	when	when	SCONJ
fsr-3326	251	7	the	the	DET
fsr-3326	251	8	client	client	NOUN
fsr-3326	251	9	trusts	trust	VERB
fsr-3326	251	10	the	the	DET
fsr-3326	251	11	advisor	advisor	NOUN
fsr-3326	251	12	and	and	CCONJ
fsr-3326	251	13	when	when	SCONJ
fsr-3326	251	14	the	the	DET
fsr-3326	251	15	advisor	advisor	NOUN
fsr-3326	251	16	prioritizes	prioritize	VERB
fsr-3326	251	17	clients	client	NOUN
fsr-3326	251	18	’	’	PART
fsr-3326	251	19	interests	interest	NOUN
fsr-3326	251	20	.	.	PUNCT
fsr-3326	252	1	the	the	DET
fsr-3326	252	2	advisor	advisor	NOUN
fsr-3326	252	3	’s	’s	PART
fsr-3326	252	4	knowledge	knowledge	NOUN
fsr-3326	252	5	will	will	AUX
fsr-3326	252	6	impact	impact	VERB
fsr-3326	252	7	a	a	DET
fsr-3326	252	8	client	client	NOUN
fsr-3326	252	9	’s	’s	PART
fsr-3326	252	10	financial	financial	ADJ
fsr-3326	252	11	outcome	outcome	NOUN
fsr-3326	252	12	when	when	SCONJ
fsr-3326	252	13	gathering	gather	VERB
fsr-3326	252	14	information	information	NOUN
fsr-3326	252	15	,	,	PUNCT
fsr-3326	252	16	analyzing	analyze	VERB
fsr-3326	252	17	the	the	DET
fsr-3326	252	18	situation	situation	NOUN
fsr-3326	252	19	,	,	PUNCT
fsr-3326	252	20	and	and	CCONJ
fsr-3326	252	21	monitoring	monitor	VERB
fsr-3326	252	22	progress	progress	NOUN
fsr-3326	252	23	.	.	PUNCT
fsr-3326	253	1	when	when	SCONJ
fsr-3326	253	2	the	the	DET
fsr-3326	253	3	advisor	advisor	NOUN
fsr-3326	253	4	has	have	VERB
fsr-3326	253	5	specific	specific	ADJ
fsr-3326	253	6	knowledge	knowledge	NOUN
fsr-3326	253	7	helpful	helpful	ADJ
fsr-3326	253	8	for	for	ADP
fsr-3326	253	9	dealing	deal	VERB
fsr-3326	253	10	with	with	ADP
fsr-3326	253	11	a	a	DET
fsr-3326	253	12	given	give	VERB
fsr-3326	253	13	situation	situation	NOUN
fsr-3326	253	14	,	,	PUNCT
fsr-3326	253	15	being	be	AUX
fsr-3326	253	16	able	able	ADJ
fsr-3326	253	17	to	to	PART
fsr-3326	253	18	leverage	leverage	VERB
fsr-3326	253	19	their	their	PRON
fsr-3326	253	20	skills	skill	NOUN
fsr-3326	253	21	and	and	CCONJ
fsr-3326	253	22	expertise	expertise	NOUN
fsr-3326	253	23	to	to	PART
fsr-3326	253	24	maximize	maximize	VERB
fsr-3326	253	25	the	the	DET
fsr-3326	253	26	client	client	NOUN
fsr-3326	253	27	’s	’s	PART
fsr-3326	253	28	interests	interest	NOUN
fsr-3326	253	29	,	,	PUNCT
fsr-3326	253	30	this	this	PRON
fsr-3326	253	31	may	may	AUX
fsr-3326	253	32	have	have	VERB
fsr-3326	253	33	a	a	DET
fsr-3326	253	34	significant	significant	ADJ
fsr-3326	253	35	positive	positive	ADJ
fsr-3326	253	36	impact	impact	NOUN
fsr-3326	253	37	.	.	PUNCT
fsr-3326	254	1	alternatively	alternatively	ADV
fsr-3326	254	2	,	,	PUNCT
fsr-3326	254	3	when	when	SCONJ
fsr-3326	254	4	the	the	DET
fsr-3326	254	5	advisor	advisor	NOUN
fsr-3326	254	6	does	do	AUX
fsr-3326	254	7	not	not	PART
fsr-3326	254	8	have	have	VERB
fsr-3326	254	9	the	the	DET
fsr-3326	254	10	necessary	necessary	ADJ
fsr-3326	254	11	knowledge	knowledge	NOUN
fsr-3326	254	12	or	or	CCONJ
fsr-3326	254	13	is	be	AUX
fsr-3326	254	14	unable	unable	ADJ
fsr-3326	254	15	to	to	PART
fsr-3326	254	16	leverage	leverage	VERB
fsr-3326	254	17	the	the	DET
fsr-3326	254	18	required	required	ADJ
fsr-3326	254	19	knowledge	knowledge	NOUN
fsr-3326	254	20	,	,	PUNCT
fsr-3326	254	21	this	this	PRON
fsr-3326	254	22	will	will	AUX
fsr-3326	254	23	not	not	PART
fsr-3326	254	24	only	only	ADV
fsr-3326	254	25	negate	negate	VERB
fsr-3326	254	26	the	the	DET
fsr-3326	254	27	advisor	advisor	NOUN
fsr-3326	254	28	’s	’s	PART
fsr-3326	254	29	influence	influence	NOUN
fsr-3326	254	30	but	but	CCONJ
fsr-3326	254	31	will	will	AUX
fsr-3326	254	32	also	also	ADV
fsr-3326	254	33	prevent	prevent	VERB
fsr-3326	254	34	trust	trust	NOUN
fsr-3326	254	35	theory	theory	NOUN
fsr-3326	254	36	from	from	ADP
fsr-3326	254	37	manifesting	manifest	VERB
fsr-3326	254	38	itself	itself	PRON
fsr-3326	254	39	at	at	ADP
fsr-3326	254	40	the	the	DET
fsr-3326	254	41	gathering	gathering	NOUN
fsr-3326	254	42	information	information	NOUN
fsr-3326	254	43	step	step	NOUN
fsr-3326	254	44	.	.	PUNCT
fsr-3326	255	1	does	do	AUX
fsr-3326	255	2	the	the	DET
fsr-3326	255	3	client	client	NOUN
fsr-3326	255	4	agree	agree	VERB
fsr-3326	255	5	to	to	PART
fsr-3326	255	6	disclose	disclose	VERB
fsr-3326	255	7	all	all	DET
fsr-3326	255	8	relevant	relevant	ADJ
fsr-3326	255	9	personal	personal	ADJ
fsr-3326	255	10	information	information	NOUN
fsr-3326	255	11	?	?	PUNCT
fsr-3326	256	1	the	the	DET
fsr-3326	256	2	last	last	ADJ
fsr-3326	256	3	question	question	NOUN
fsr-3326	256	4	involves	involve	VERB
fsr-3326	256	5	trust	trust	NOUN
fsr-3326	256	6	theory	theory	NOUN
fsr-3326	256	7	when	when	SCONJ
fsr-3326	256	8	gathering	gather	VERB
fsr-3326	256	9	information	information	NOUN
fsr-3326	256	10	.	.	PUNCT
fsr-3326	257	1	full	full	ADJ
fsr-3326	257	2	disclosure	disclosure	NOUN
fsr-3326	257	3	of	of	ADP
fsr-3326	257	4	clients	client	NOUN
fsr-3326	257	5	’	'	PUNCT
fsr-3326	257	6	personal	personal	ADJ
fsr-3326	257	7	information	information	NOUN
fsr-3326	257	8	to	to	ADP
fsr-3326	257	9	the	the	DET
fsr-3326	257	10	advisor	advisor	NOUN
fsr-3326	257	11	will	will	AUX
fsr-3326	257	12	impact	impact	VERB
fsr-3326	257	13	the	the	DET
fsr-3326	257	14	clients	client	NOUN
fsr-3326	257	15	’	’	PART
fsr-3326	257	16	financial	financial	ADJ
fsr-3326	257	17	outcomes	outcome	NOUN
fsr-3326	257	18	under	under	ADP
fsr-3326	257	19	the	the	DET
fsr-3326	257	20	following	following	ADJ
fsr-3326	257	21	conditions	condition	NOUN
fsr-3326	257	22	:	:	PUNCT
fsr-3326	257	23	(	(	PUNCT
fsr-3326	257	24	1	1	X
fsr-3326	257	25	)	)	PUNCT
fsr-3326	257	26	the	the	DET
fsr-3326	257	27	client	client	NOUN
fsr-3326	257	28	follows	follow	VERB
fsr-3326	257	29	the	the	DET
fsr-3326	257	30	advisor	advisor	NOUN
fsr-3326	257	31	’s	’s	PART
fsr-3326	257	32	recommendations	recommendation	NOUN
fsr-3326	257	33	or	or	CCONJ
fsr-3326	257	34	has	have	AUX
fsr-3326	257	35	delegated	delegate	VERB
fsr-3326	257	36	the	the	DET
fsr-3326	257	37	entire	entire	ADJ
fsr-3326	257	38	process	process	NOUN
fsr-3326	257	39	to	to	ADP
fsr-3326	257	40	the	the	DET
fsr-3326	257	41	advisor	advisor	NOUN
fsr-3326	257	42	,	,	PUNCT
fsr-3326	257	43	(	(	PUNCT
fsr-3326	257	44	2	2	X
fsr-3326	257	45	)	)	PUNCT
fsr-3326	257	46	the	the	DET
fsr-3326	257	47	advisor	advisor	NOUN
fsr-3326	257	48	prioritizes	prioritize	VERB
fsr-3326	257	49	the	the	DET
fsr-3326	257	50	client	client	NOUN
fsr-3326	257	51	’s	’s	PART
fsr-3326	257	52	best	good	ADJ
fsr-3326	257	53	interests	interest	NOUN
fsr-3326	257	54	,	,	PUNCT
fsr-3326	257	55	and	and	CCONJ
fsr-3326	257	56	(	(	PUNCT
fsr-3326	257	57	3	3	X
fsr-3326	257	58	)	)	PUNCT
fsr-3326	257	59	the	the	DET
fsr-3326	257	60	advisor	advisor	NOUN
fsr-3326	257	61	is	be	AUX
fsr-3326	257	62	competent	competent	ADJ
fsr-3326	257	63	and	and	CCONJ
fsr-3326	257	64	mobilizes	mobilize	VERB
fsr-3326	257	65	their	their	PRON
fsr-3326	257	66	knowledge	knowledge	NOUN
fsr-3326	257	67	.	.	PUNCT
fsr-3326	258	1	when	when	SCONJ
fsr-3326	258	2	these	these	DET
fsr-3326	258	3	three	three	NUM
fsr-3326	258	4	conditions	condition	NOUN
fsr-3326	258	5	are	be	AUX
fsr-3326	258	6	present	present	ADJ
fsr-3326	258	7	and	and	CCONJ
fsr-3326	258	8	clients	client	NOUN
fsr-3326	258	9	disclose	disclose	VERB
fsr-3326	258	10	all	all	DET
fsr-3326	258	11	relevant	relevant	ADJ
fsr-3326	258	12	personal	personal	ADJ
fsr-3326	258	13	information	information	NOUN
fsr-3326	258	14	,	,	PUNCT
fsr-3326	258	15	advisors	advisor	NOUN
fsr-3326	258	16	find	find	VERB
fsr-3326	258	17	themselves	themselves	PRON
fsr-3326	258	18	in	in	ADP
fsr-3326	258	19	a	a	DET
fsr-3326	258	20	position	position	NOUN
fsr-3326	258	21	to	to	PART
fsr-3326	258	22	personalize	personalize	VERB
fsr-3326	258	23	their	their	PRON
fsr-3326	258	24	advice	advice	NOUN
fsr-3326	258	25	and	and	CCONJ
fsr-3326	258	26	achieve	achieve	VERB
fsr-3326	258	27	“	"	PUNCT
fsr-3326	258	28	optimal	optimal	ADJ
fsr-3326	258	29	”	"	PUNCT
fsr-3326	258	30	results	result	NOUN
fsr-3326	258	31	(	(	PUNCT
fsr-3326	258	32	fischer	fischer	PROPN
fsr-3326	258	33	&	&	CCONJ
fsr-3326	258	34	gerhardt	gerhardt	PROPN
fsr-3326	258	35	,	,	PUNCT
fsr-3326	258	36	2007	2007	NUM
fsr-3326	258	37	;	;	PUNCT
fsr-3326	258	38	foerster	foerster	PROPN
fsr-3326	258	39	et	et	PROPN
fsr-3326	258	40	al	al	PROPN
fsr-3326	258	41	.	.	PROPN
fsr-3326	258	42	,	,	PUNCT
fsr-3326	258	43	2017	2017	NUM
fsr-3326	258	44	)	)	PUNCT
fsr-3326	258	45	.	.	PUNCT
fsr-3326	259	1	in	in	ADP
fsr-3326	259	2	addition	addition	NOUN
fsr-3326	259	3	,	,	PUNCT
fsr-3326	259	4	sharing	sharing	NOUN
fsr-3326	259	5	of	of	ADP
fsr-3326	259	6	private	private	ADJ
fsr-3326	259	7	information	information	NOUN
fsr-3326	259	8	by	by	ADP
fsr-3326	259	9	the	the	DET
fsr-3326	259	10	client	client	NOUN
fsr-3326	259	11	allows	allow	VERB
fsr-3326	259	12	the	the	DET
fsr-3326	259	13	advisor	advisor	NOUN
fsr-3326	259	14	to	to	PART
fsr-3326	259	15	achieve	achieve	VERB
fsr-3326	259	16	a	a	DET
fsr-3326	259	17	greater	great	ADJ
fsr-3326	259	18	positive	positive	ADJ
fsr-3326	259	19	impact	impact	NOUN
fsr-3326	259	20	on	on	ADP
fsr-3326	259	21	their	their	PRON
fsr-3326	259	22	clients	client	NOUN
fsr-3326	259	23	’	’	PART
fsr-3326	259	24	financial	financial	ADJ
fsr-3326	259	25	outcome	outcome	NOUN
fsr-3326	259	26	.	.	PUNCT
fsr-3326	260	1	conclusion	conclusion	NOUN
fsr-3326	260	2	,	,	PUNCT
fsr-3326	260	3	limitations	limitation	NOUN
fsr-3326	260	4	,	,	PUNCT
fsr-3326	260	5	and	and	CCONJ
fsr-3326	260	6	future	future	ADJ
fsr-3326	260	7	research	research	NOUN
fsr-3326	260	8	this	this	DET
fsr-3326	260	9	paper	paper	NOUN
fsr-3326	260	10	presents	present	VERB
fsr-3326	260	11	the	the	DET
fsr-3326	260	12	current	current	ADJ
fsr-3326	260	13	state	state	NOUN
fsr-3326	260	14	of	of	ADP
fsr-3326	260	15	knowledge	knowledge	NOUN
fsr-3326	260	16	regarding	regard	VERB
fsr-3326	260	17	the	the	DET
fsr-3326	260	18	impact	impact	NOUN
fsr-3326	260	19	of	of	ADP
fsr-3326	260	20	financial	financial	ADJ
fsr-3326	260	21	advisors	advisor	NOUN
fsr-3326	260	22	on	on	ADP
fsr-3326	260	23	their	their	PRON
fsr-3326	260	24	clients	client	NOUN
fsr-3326	260	25	’	’	PART
fsr-3326	260	26	financial	financial	ADJ
fsr-3326	260	27	outcomes	outcome	NOUN
fsr-3326	260	28	.	.	PUNCT
fsr-3326	261	1	based	base	VERB
fsr-3326	261	2	on	on	ADP
fsr-3326	261	3	a	a	DET
fsr-3326	261	4	review	review	NOUN
fsr-3326	261	5	and	and	CCONJ
fsr-3326	261	6	analysis	analysis	NOUN
fsr-3326	261	7	of	of	ADP
fsr-3326	261	8	prior	prior	ADJ
fsr-3326	261	9	research	research	NOUN
fsr-3326	261	10	and	and	CCONJ
fsr-3326	261	11	using	use	VERB
fsr-3326	261	12	the	the	DET
fsr-3326	261	13	six	six	NUM
fsr-3326	261	14	steps	step	NOUN
fsr-3326	261	15	of	of	ADP
fsr-3326	261	16	the	the	DET
fsr-3326	261	17	pfp	pfp	PROPN
fsr-3326	261	18	process	process	NOUN
fsr-3326	261	19	as	as	ADP
fsr-3326	261	20	a	a	DET
fsr-3326	261	21	template	template	NOUN
fsr-3326	261	22	for	for	ADP
fsr-3326	261	23	financial	financial	ADJ
fsr-3326	261	24	advising	advising	NOUN
fsr-3326	261	25	,	,	PUNCT
fsr-3326	261	26	we	we	PRON
fsr-3326	261	27	document	document	VERB
fsr-3326	261	28	in	in	ADP
fsr-3326	261	29	detail	detail	NOUN
fsr-3326	261	30	where	where	SCONJ
fsr-3326	261	31	the	the	DET
fsr-3326	261	32	advisor	advisor	NOUN
fsr-3326	261	33	may	may	AUX
fsr-3326	261	34	play	play	VERB
fsr-3326	261	35	a	a	DET
fsr-3326	261	36	positive	positive	ADJ
fsr-3326	261	37	or	or	CCONJ
fsr-3326	261	38	negative	negative	ADJ
fsr-3326	261	39	role	role	NOUN
fsr-3326	261	40	for	for	ADP
fsr-3326	261	41	their	their	PRON
fsr-3326	261	42	clients	client	NOUN
fsr-3326	261	43	.	.	PUNCT
fsr-3326	262	1	we	we	PRON
fsr-3326	262	2	then	then	ADV
fsr-3326	262	3	propose	propose	VERB
fsr-3326	262	4	an	an	DET
fsr-3326	262	5	integrative	integrative	ADJ
fsr-3326	262	6	model	model	NOUN
fsr-3326	262	7	,	,	PUNCT
fsr-3326	262	8	linking	link	VERB
fsr-3326	262	9	three	three	NUM
fsr-3326	262	10	theoretical	theoretical	ADJ
fsr-3326	262	11	lenses	lense	NOUN
fsr-3326	262	12	,	,	PUNCT
fsr-3326	262	13	namely	namely	ADV
fsr-3326	262	14	agency	agency	NOUN
fsr-3326	262	15	theory	theory	NOUN
fsr-3326	262	16	,	,	PUNCT
fsr-3326	262	17	trust	trust	NOUN
fsr-3326	262	18	theory	theory	NOUN
fsr-3326	262	19	,	,	PUNCT
fsr-3326	262	20	and	and	CCONJ
fsr-3326	262	21	the	the	DET
fsr-3326	262	22	concept	concept	NOUN
fsr-3326	262	23	of	of	ADP
fsr-3326	262	24	knowledge	knowledge	NOUN
fsr-3326	262	25	,	,	PUNCT
fsr-3326	262	26	when	when	SCONJ
fsr-3326	262	27	the	the	DET
fsr-3326	262	28	process	process	NOUN
fsr-3326	262	29	is	be	AUX
fsr-3326	262	30	performed	perform	VERB
fsr-3326	262	31	alone	alone	ADV
fsr-3326	262	32	(	(	PUNCT
fsr-3326	262	33	unassisted	unassisted	ADJ
fsr-3326	262	34	)	)	PUNCT
fsr-3326	262	35	or	or	CCONJ
fsr-3326	262	36	with	with	ADP
fsr-3326	262	37	a	a	DET
fsr-3326	262	38	financial	financial	ADJ
fsr-3326	262	39	advisor	advisor	NOUN
fsr-3326	262	40	.	.	PUNCT
fsr-3326	263	1	the	the	DET
fsr-3326	263	2	integrated	integrated	ADJ
fsr-3326	263	3	model	model	NOUN
fsr-3326	263	4	helps	help	VERB
fsr-3326	263	5	to	to	PART
fsr-3326	263	6	answer	answer	VERB
fsr-3326	263	7	our	our	PRON
fsr-3326	263	8	research	research	NOUN
fsr-3326	263	9	question	question	NOUN
fsr-3326	263	10	,	,	PUNCT
fsr-3326	263	11	which	which	PRON
fsr-3326	263	12	is	be	AUX
fsr-3326	263	13	,	,	PUNCT
fsr-3326	263	14	“	"	PUNCT
fsr-3326	263	15	what	what	PRON
fsr-3326	263	16	is	be	AUX
fsr-3326	263	17	the	the	DET
fsr-3326	263	18	impact	impact	NOUN
fsr-3326	263	19	of	of	ADP
fsr-3326	263	20	the	the	DET
fsr-3326	263	21	financial	financial	ADJ
fsr-3326	263	22	advisor	advisor	NOUN
fsr-3326	263	23	on	on	ADP
fsr-3326	263	24	their	their	PRON
fsr-3326	263	25	clients	client	NOUN
fsr-3326	263	26	’	’	PART
fsr-3326	263	27	financial	financial	ADJ
fsr-3326	263	28	outcome	outcome	NOUN
fsr-3326	263	29	?	?	PUNCT
fsr-3326	263	30	”	"	PUNCT
fsr-3326	264	1	in	in	ADP
fsr-3326	264	2	summary	summary	NOUN
fsr-3326	264	3	,	,	PUNCT
fsr-3326	264	4	agency	agency	NOUN
fsr-3326	264	5	theory	theory	NOUN
fsr-3326	264	6	underlies	underlie	VERB
fsr-3326	264	7	clients	client	NOUN
fsr-3326	264	8	’	’	PART
fsr-3326	264	9	financial	financial	ADJ
fsr-3326	264	10	outcomes	outcome	NOUN
fsr-3326	264	11	via	via	ADP
fsr-3326	264	12	advisor	advisor	NOUN
fsr-3326	264	13	actions	action	NOUN
fsr-3326	264	14	when	when	SCONJ
fsr-3326	264	15	analyzing	analyze	VERB
fsr-3326	264	16	,	,	PUNCT
fsr-3326	264	17	recommending	recommend	VERB
fsr-3326	264	18	,	,	PUNCT
fsr-3326	264	19	and	and	CCONJ
fsr-3326	264	20	monitoring	monitoring	NOUN
fsr-3326	264	21	.	.	PUNCT
fsr-3326	265	1	an	an	DET
fsr-3326	265	2	advisor	advisor	NOUN
fsr-3326	265	3	’s	’s	PART
fsr-3326	265	4	conflict	conflict	NOUN
fsr-3326	265	5	of	of	ADP
fsr-3326	265	6	interests	interest	NOUN
fsr-3326	265	7	will	will	AUX
fsr-3326	265	8	manifest	manifest	VERB
fsr-3326	265	9	itself	itself	PRON
fsr-3326	265	10	directly	directly	ADV
fsr-3326	265	11	and	and	CCONJ
fsr-3326	265	12	negatively	negatively	ADV
fsr-3326	265	13	on	on	ADP
fsr-3326	265	14	clients	client	NOUN
fsr-3326	265	15	’	’	PART
fsr-3326	265	16	financial	financial	ADJ
fsr-3326	265	17	outcomes	outcome	NOUN
fsr-3326	265	18	.	.	PUNCT
fsr-3326	266	1	trust	trust	NOUN
fsr-3326	266	2	theory	theory	NOUN
fsr-3326	266	3	provides	provide	VERB
fsr-3326	266	4	a	a	DET
fsr-3326	266	5	useful	useful	ADJ
fsr-3326	266	6	conceptual	conceptual	ADJ
fsr-3326	266	7	lens	lens	NOUN
fsr-3326	266	8	at	at	ADP
fsr-3326	266	9	various	various	ADJ
fsr-3326	266	10	steps	step	NOUN
fsr-3326	266	11	of	of	ADP
fsr-3326	266	12	the	the	DET
fsr-3326	266	13	financial	financial	ADJ
fsr-3326	266	14	advising	advise	VERB
fsr-3326	266	15	process	process	NOUN
fsr-3326	266	16	.	.	PUNCT
fsr-3326	267	1	when	when	SCONJ
fsr-3326	267	2	gathering	gather	VERB
fsr-3326	267	3	information	information	NOUN
fsr-3326	267	4	,	,	PUNCT
fsr-3326	267	5	financial	financial	ADJ
fsr-3326	267	6	services	service	NOUN
fsr-3326	267	7	review	review	PROPN
fsr-3326	267	8	,	,	PUNCT
fsr-3326	267	9	32(3	32(3	NUM
fsr-3326	267	10	)	)	PUNCT
fsr-3326	267	11	45	45	NUM
fsr-3326	267	12	the	the	DET
fsr-3326	267	13	client	client	NOUN
fsr-3326	267	14	’s	’s	PART
fsr-3326	267	15	trust	trust	NOUN
fsr-3326	267	16	with	with	ADP
fsr-3326	267	17	respect	respect	NOUN
fsr-3326	267	18	to	to	ADP
fsr-3326	267	19	the	the	DET
fsr-3326	267	20	advisor	advisor	NOUN
fsr-3326	267	21	directly	directly	ADV
fsr-3326	267	22	and	and	CCONJ
fsr-3326	267	23	positively	positively	ADV
fsr-3326	267	24	influences	influence	VERB
fsr-3326	267	25	the	the	DET
fsr-3326	267	26	outcome	outcome	NOUN
fsr-3326	267	27	.	.	PUNCT
fsr-3326	268	1	however	however	ADV
fsr-3326	268	2	,	,	PUNCT
fsr-3326	268	3	when	when	SCONJ
fsr-3326	268	4	agreeing	agree	VERB
fsr-3326	268	5	on	on	ADP
fsr-3326	268	6	how	how	SCONJ
fsr-3326	268	7	to	to	PART
fsr-3326	268	8	work	work	VERB
fsr-3326	268	9	together	together	ADV
fsr-3326	268	10	and	and	CCONJ
fsr-3326	268	11	when	when	SCONJ
fsr-3326	268	12	implementing	implement	VERB
fsr-3326	268	13	advisor	advisor	NOUN
fsr-3326	268	14	recommendations	recommendation	NOUN
fsr-3326	268	15	,	,	PUNCT
fsr-3326	268	16	trust	trust	NOUN
fsr-3326	268	17	in	in	ADP
fsr-3326	268	18	the	the	DET
fsr-3326	268	19	advisor	advisor	NOUN
fsr-3326	268	20	may	may	AUX
fsr-3326	268	21	manifest	manifest	VERB
fsr-3326	268	22	indirectly	indirectly	ADV
fsr-3326	268	23	,	,	PUNCT
fsr-3326	268	24	either	either	CCONJ
fsr-3326	268	25	positively	positively	ADV
fsr-3326	268	26	or	or	CCONJ
fsr-3326	268	27	negatively	negatively	ADV
fsr-3326	268	28	.	.	PUNCT
fsr-3326	269	1	as	as	ADP
fsr-3326	269	2	for	for	ADP
fsr-3326	269	3	the	the	DET
fsr-3326	269	4	concept	concept	NOUN
fsr-3326	269	5	of	of	ADP
fsr-3326	269	6	knowledge	knowledge	NOUN
fsr-3326	269	7	,	,	PUNCT
fsr-3326	269	8	it	it	PRON
fsr-3326	269	9	positively	positively	ADV
fsr-3326	269	10	and	and	CCONJ
fsr-3326	269	11	directly	directly	ADV
fsr-3326	269	12	influences	influence	VERB
fsr-3326	269	13	the	the	DET
fsr-3326	269	14	outcome	outcome	NOUN
fsr-3326	269	15	of	of	ADP
fsr-3326	269	16	the	the	DET
fsr-3326	269	17	process	process	NOUN
fsr-3326	269	18	via	via	ADP
fsr-3326	269	19	its	its	PRON
fsr-3326	269	20	impact	impact	NOUN
fsr-3326	269	21	on	on	ADP
fsr-3326	269	22	the	the	DET
fsr-3326	269	23	advisor	advisor	NOUN
fsr-3326	269	24	’s	’s	PART
fsr-3326	269	25	gathering	gathering	NOUN
fsr-3326	269	26	information	information	NOUN
fsr-3326	269	27	,	,	PUNCT
fsr-3326	269	28	analyzing	analyze	VERB
fsr-3326	269	29	,	,	PUNCT
fsr-3326	269	30	and	and	CCONJ
fsr-3326	269	31	monitoring	monitoring	NOUN
fsr-3326	269	32	.	.	PUNCT
fsr-3326	270	1	these	these	DET
fsr-3326	270	2	three	three	NUM
fsr-3326	270	3	theoretical	theoretical	ADJ
fsr-3326	270	4	lenses	lense	NOUN
fsr-3326	270	5	interact	interact	VERB
fsr-3326	270	6	in	in	ADP
fsr-3326	270	7	a	a	DET
fsr-3326	270	8	specific	specific	ADJ
fsr-3326	270	9	sequence	sequence	NOUN
fsr-3326	270	10	,	,	PUNCT
fsr-3326	270	11	as	as	SCONJ
fsr-3326	270	12	shown	show	VERB
fsr-3326	270	13	in	in	ADP
fsr-3326	270	14	figure	figure	NOUN
fsr-3326	270	15	5	5	NUM
fsr-3326	270	16	,	,	PUNCT
fsr-3326	270	17	providing	provide	VERB
fsr-3326	270	18	a	a	DET
fsr-3326	270	19	better	well	ADJ
fsr-3326	270	20	understanding	understanding	NOUN
fsr-3326	270	21	of	of	ADP
fsr-3326	270	22	the	the	DET
fsr-3326	270	23	impact	impact	NOUN
fsr-3326	270	24	of	of	ADP
fsr-3326	270	25	the	the	DET
fsr-3326	270	26	financial	financial	ADJ
fsr-3326	270	27	advisor	advisor	NOUN
fsr-3326	270	28	.	.	PUNCT
fsr-3326	271	1	our	our	PRON
fsr-3326	271	2	main	main	ADJ
fsr-3326	271	3	research	research	NOUN
fsr-3326	271	4	contributions	contribution	NOUN
fsr-3326	271	5	are	be	AUX
fsr-3326	271	6	as	as	SCONJ
fsr-3326	271	7	follows	follow	VERB
fsr-3326	271	8	.	.	PUNCT
fsr-3326	272	1	first	first	ADV
fsr-3326	272	2	,	,	PUNCT
fsr-3326	272	3	we	we	PRON
fsr-3326	272	4	propose	propose	VERB
fsr-3326	272	5	a	a	DET
fsr-3326	272	6	theory	theory	NOUN
fsr-3326	272	7	-	-	PUNCT
fsr-3326	272	8	driven	drive	VERB
fsr-3326	272	9	review	review	NOUN
fsr-3326	272	10	of	of	ADP
fsr-3326	272	11	the	the	DET
fsr-3326	272	12	financial	financial	ADJ
fsr-3326	272	13	advising	advise	VERB
fsr-3326	272	14	literature	literature	NOUN
fsr-3326	272	15	,	,	PUNCT
fsr-3326	272	16	relying	rely	VERB
fsr-3326	272	17	on	on	ADP
fsr-3326	272	18	three	three	NUM
fsr-3326	272	19	theoretical	theoretical	ADJ
fsr-3326	272	20	lenses	lense	NOUN
fsr-3326	272	21	to	to	PART
fsr-3326	272	22	explain	explain	VERB
fsr-3326	272	23	the	the	DET
fsr-3326	272	24	financial	financial	ADJ
fsr-3326	272	25	advisor	advisor	NOUN
fsr-3326	272	26	’s	’s	PART
fsr-3326	272	27	impact	impact	NOUN
fsr-3326	272	28	.	.	PUNCT
fsr-3326	273	1	second	second	ADJ
fsr-3326	273	2	,	,	PUNCT
fsr-3326	273	3	we	we	PRON
fsr-3326	273	4	propose	propose	VERB
fsr-3326	273	5	an	an	DET
fsr-3326	273	6	integrative	integrative	ADJ
fsr-3326	273	7	model	model	NOUN
fsr-3326	273	8	of	of	ADP
fsr-3326	273	9	the	the	DET
fsr-3326	273	10	financial	financial	ADJ
fsr-3326	273	11	advisor	advisor	NOUN
fsr-3326	273	12	’s	’s	PART
fsr-3326	273	13	impact	impact	NOUN
fsr-3326	273	14	,	,	PUNCT
fsr-3326	273	15	linking	link	VERB
fsr-3326	273	16	the	the	DET
fsr-3326	273	17	three	three	NUM
fsr-3326	273	18	theoretical	theoretical	ADJ
fsr-3326	273	19	lenses	lense	NOUN
fsr-3326	273	20	and	and	CCONJ
fsr-3326	273	21	explaining	explain	VERB
fsr-3326	273	22	the	the	DET
fsr-3326	273	23	divergent	divergent	ADJ
fsr-3326	273	24	results	result	NOUN
fsr-3326	273	25	found	find	VERB
fsr-3326	273	26	in	in	ADP
fsr-3326	273	27	prior	prior	ADJ
fsr-3326	273	28	research	research	NOUN
fsr-3326	273	29	.	.	PUNCT
fsr-3326	274	1	this	this	DET
fsr-3326	274	2	model	model	NOUN
fsr-3326	274	3	allows	allow	VERB
fsr-3326	274	4	researchers	researcher	NOUN
fsr-3326	274	5	and	and	CCONJ
fsr-3326	274	6	practitioners	practitioner	NOUN
fsr-3326	274	7	to	to	PART
fsr-3326	274	8	integrate	integrate	VERB
fsr-3326	274	9	the	the	DET
fsr-3326	274	10	reality	reality	NOUN
fsr-3326	274	11	of	of	ADP
fsr-3326	274	12	the	the	DET
fsr-3326	274	13	financial	financial	ADJ
fsr-3326	274	14	advising	advise	VERB
fsr-3326	274	15	environment	environment	NOUN
fsr-3326	274	16	by	by	ADP
fsr-3326	274	17	linking	link	VERB
fsr-3326	274	18	the	the	DET
fsr-3326	274	19	effects	effect	NOUN
fsr-3326	274	20	of	of	ADP
fsr-3326	274	21	the	the	DET
fsr-3326	274	22	advisor	advisor	NOUN
fsr-3326	274	23	’s	’s	PART
fsr-3326	274	24	level	level	NOUN
fsr-3326	274	25	of	of	ADP
fsr-3326	274	26	involvement	involvement	NOUN
fsr-3326	274	27	to	to	ADP
fsr-3326	274	28	the	the	DET
fsr-3326	274	29	steps	step	NOUN
fsr-3326	274	30	performed	perform	VERB
fsr-3326	274	31	in	in	ADP
fsr-3326	274	32	practice	practice	NOUN
fsr-3326	274	33	,	,	PUNCT
fsr-3326	274	34	thus	thus	ADV
fsr-3326	274	35	enhancing	enhance	VERB
fsr-3326	274	36	the	the	DET
fsr-3326	274	37	model	model	NOUN
fsr-3326	274	38	’s	’s	PART
fsr-3326	274	39	relevance	relevance	NOUN
fsr-3326	274	40	for	for	ADP
fsr-3326	274	41	both	both	DET
fsr-3326	274	42	academics	academic	NOUN
fsr-3326	274	43	and	and	CCONJ
fsr-3326	274	44	practitioners	practitioner	NOUN
fsr-3326	274	45	.	.	PUNCT
fsr-3326	275	1	last	last	ADJ
fsr-3326	275	2	,	,	PUNCT
fsr-3326	275	3	based	base	VERB
fsr-3326	275	4	on	on	ADP
fsr-3326	275	5	four	four	NUM
fsr-3326	275	6	financial	financial	ADJ
fsr-3326	275	7	advising	advise	VERB
fsr-3326	275	8	core	core	NOUN
fsr-3326	275	9	questions	question	NOUN
fsr-3326	275	10	developed	develop	VERB
fsr-3326	275	11	in	in	ADP
fsr-3326	275	12	this	this	DET
fsr-3326	275	13	paper	paper	NOUN
fsr-3326	275	14	,	,	PUNCT
fsr-3326	275	15	we	we	PRON
fsr-3326	275	16	seek	seek	VERB
fsr-3326	275	17	to	to	PART
fsr-3326	275	18	better	well	ADV
fsr-3326	275	19	capture	capture	VERB
fsr-3326	275	20	the	the	DET
fsr-3326	275	21	key	key	ADJ
fsr-3326	275	22	concept	concept	NOUN
fsr-3326	275	23	of	of	ADP
fsr-3326	275	24	credence	credence	NOUN
fsr-3326	275	25	good	good	ADJ
fsr-3326	275	26	,	,	PUNCT
fsr-3326	275	27	as	as	SCONJ
fsr-3326	275	28	provided	provide	VERB
fsr-3326	275	29	by	by	ADP
fsr-3326	275	30	a	a	DET
fsr-3326	275	31	financial	financial	ADJ
fsr-3326	275	32	advisor	advisor	NOUN
fsr-3326	275	33	’s	’s	PART
fsr-3326	275	34	services	service	NOUN
fsr-3326	275	35	,	,	PUNCT
fsr-3326	275	36	and	and	CCONJ
fsr-3326	275	37	provide	provide	VERB
fsr-3326	275	38	explanations	explanation	NOUN
fsr-3326	275	39	on	on	ADP
fsr-3326	275	40	how	how	SCONJ
fsr-3326	275	41	the	the	DET
fsr-3326	275	42	advisor	advisor	NOUN
fsr-3326	275	43	’s	’s	PART
fsr-3326	275	44	involvement	involvement	NOUN
fsr-3326	275	45	will	will	AUX
fsr-3326	275	46	impact	impact	VERB
fsr-3326	275	47	their	their	PRON
fsr-3326	275	48	clients	client	NOUN
fsr-3326	275	49	’	'	PUNCT
fsr-3326	275	50	financial	financial	ADJ
fsr-3326	275	51	outcome	outcome	NOUN
fsr-3326	275	52	compared	compare	VERB
fsr-3326	275	53	to	to	ADP
fsr-3326	275	54	when	when	SCONJ
fsr-3326	275	55	an	an	DET
fsr-3326	275	56	individual	individual	NOUN
fsr-3326	275	57	decides	decide	VERB
fsr-3326	275	58	to	to	PART
fsr-3326	275	59	act	act	VERB
fsr-3326	275	60	in	in	ADP
fsr-3326	275	61	an	an	DET
fsr-3326	275	62	unassisted	unassiste	VERB
fsr-3326	275	63	manner	manner	NOUN
fsr-3326	275	64	.	.	PUNCT
fsr-3326	276	1	this	this	DET
fsr-3326	276	2	study	study	NOUN
fsr-3326	276	3	contributes	contribute	VERB
fsr-3326	276	4	to	to	ADP
fsr-3326	276	5	the	the	DET
fsr-3326	276	6	growing	grow	VERB
fsr-3326	276	7	interest	interest	NOUN
fsr-3326	276	8	of	of	ADP
fsr-3326	276	9	academics	academic	NOUN
fsr-3326	276	10	,	,	PUNCT
fsr-3326	276	11	financial	financial	ADJ
fsr-3326	276	12	advisors	advisor	NOUN
fsr-3326	276	13	,	,	PUNCT
fsr-3326	276	14	professional	professional	ADJ
fsr-3326	276	15	associations	association	NOUN
fsr-3326	276	16	,	,	PUNCT
fsr-3326	276	17	regulators	regulator	NOUN
fsr-3326	276	18	,	,	PUNCT
fsr-3326	276	19	financial	financial	ADJ
fsr-3326	276	20	institutions	institution	NOUN
fsr-3326	276	21	,	,	PUNCT
fsr-3326	276	22	and	and	CCONJ
fsr-3326	276	23	society	society	NOUN
fsr-3326	276	24	in	in	ADP
fsr-3326	276	25	examining	examine	VERB
fsr-3326	276	26	the	the	DET
fsr-3326	276	27	role	role	NOUN
fsr-3326	276	28	played	play	VERB
fsr-3326	276	29	by	by	ADP
fsr-3326	276	30	financial	financial	ADJ
fsr-3326	276	31	advisors	advisor	NOUN
fsr-3326	276	32	for	for	ADP
fsr-3326	276	33	their	their	PRON
fsr-3326	276	34	clients	client	NOUN
fsr-3326	276	35	.	.	PUNCT
fsr-3326	277	1	a	a	DET
fsr-3326	277	2	healthy	healthy	ADJ
fsr-3326	277	3	and	and	CCONJ
fsr-3326	277	4	prosperous	prosperous	ADJ
fsr-3326	277	5	economy	economy	NOUN
fsr-3326	277	6	depends	depend	VERB
fsr-3326	277	7	notably	notably	ADV
fsr-3326	277	8	on	on	ADP
fsr-3326	277	9	financially	financially	ADV
fsr-3326	277	10	literate	literate	ADJ
fsr-3326	277	11	individuals	individual	NOUN
fsr-3326	277	12	,	,	PUNCT
fsr-3326	277	13	but	but	CCONJ
fsr-3326	277	14	the	the	DET
fsr-3326	277	15	latter	latter	ADJ
fsr-3326	277	16	are	be	AUX
fsr-3326	277	17	facing	face	VERB
fsr-3326	277	18	an	an	DET
fsr-3326	277	19	increasingly	increasingly	ADV
fsr-3326	277	20	complex	complex	ADJ
fsr-3326	277	21	financial	financial	ADJ
fsr-3326	277	22	marketplace	marketplace	NOUN
fsr-3326	277	23	.	.	PUNCT
fsr-3326	278	1	how	how	SCONJ
fsr-3326	278	2	can	can	AUX
fsr-3326	278	3	individuals	individual	NOUN
fsr-3326	278	4	navigate	navigate	VERB
fsr-3326	278	5	financial	financial	ADJ
fsr-3326	278	6	decisions	decision	NOUN
fsr-3326	278	7	in	in	ADP
fsr-3326	278	8	challenging	challenging	ADJ
fsr-3326	278	9	times	time	NOUN
fsr-3326	278	10	?	?	PUNCT
fsr-3326	279	1	should	should	AUX
fsr-3326	279	2	financial	financial	ADJ
fsr-3326	279	3	decisions	decision	NOUN
fsr-3326	279	4	rest	rest	VERB
fsr-3326	279	5	with	with	ADP
fsr-3326	279	6	the	the	DET
fsr-3326	279	7	individual	individual	NOUN
fsr-3326	279	8	alone	alone	ADV
fsr-3326	279	9	or	or	CCONJ
fsr-3326	279	10	be	be	AUX
fsr-3326	279	11	a	a	DET
fsr-3326	279	12	function	function	NOUN
fsr-3326	279	13	of	of	ADP
fsr-3326	279	14	both	both	PRON
fsr-3326	279	15	individual	individual	ADJ
fsr-3326	279	16	decisions	decision	NOUN
fsr-3326	279	17	and	and	CCONJ
fsr-3326	279	18	advisory	advisory	ADJ
fsr-3326	279	19	assistance	assistance	NOUN
fsr-3326	279	20	?	?	PUNCT
fsr-3326	280	1	in	in	ADP
fsr-3326	280	2	the	the	DET
fsr-3326	280	3	united	united	PROPN
fsr-3326	280	4	states	states	PROPN
fsr-3326	280	5	,	,	PUNCT
fsr-3326	280	6	canada	canada	PROPN
fsr-3326	280	7	,	,	PUNCT
fsr-3326	280	8	and	and	CCONJ
fsr-3326	280	9	abroad	abroad	ADV
fsr-3326	280	10	,	,	PUNCT
fsr-3326	280	11	the	the	DET
fsr-3326	280	12	financial	financial	ADJ
fsr-3326	280	13	advising	advise	VERB
fsr-3326	280	14	ecosystem	ecosystem	NOUN
fsr-3326	280	15	should	should	AUX
fsr-3326	280	16	enable	enable	VERB
fsr-3326	280	17	individuals	individual	NOUN
fsr-3326	280	18	to	to	PART
fsr-3326	280	19	access	access	VERB
fsr-3326	280	20	,	,	PUNCT
fsr-3326	280	21	understand	understand	VERB
fsr-3326	280	22	,	,	PUNCT
fsr-3326	280	23	and	and	CCONJ
fsr-3326	280	24	use	use	VERB
fsr-3326	280	25	financial	financial	ADJ
fsr-3326	280	26	products	product	NOUN
fsr-3326	280	27	and	and	CCONJ
fsr-3326	280	28	services	service	NOUN
fsr-3326	280	29	to	to	ADP
fsr-3326	280	30	their	their	PRON
fsr-3326	280	31	benefit	benefit	NOUN
fsr-3326	280	32	.	.	PUNCT
fsr-3326	281	1	it	it	PRON
fsr-3326	281	2	should	should	AUX
fsr-3326	281	3	be	be	AUX
fsr-3326	281	4	easy	easy	ADJ
fsr-3326	281	5	for	for	SCONJ
fsr-3326	281	6	everyone	everyone	PRON
fsr-3326	281	7	to	to	PART
fsr-3326	281	8	manage	manage	VERB
fsr-3326	281	9	their	their	PRON
fsr-3326	281	10	revenues	revenue	NOUN
fsr-3326	281	11	,	,	PUNCT
fsr-3326	281	12	expenses	expense	NOUN
fsr-3326	281	13	,	,	PUNCT
fsr-3326	281	14	debts	debt	NOUN
fsr-3326	281	15	,	,	PUNCT
fsr-3326	281	16	and	and	CCONJ
fsr-3326	281	17	savings	saving	NOUN
fsr-3326	281	18	.	.	PUNCT
fsr-3326	282	1	accordingly	accordingly	ADV
fsr-3326	282	2	,	,	PUNCT
fsr-3326	282	3	the	the	DET
fsr-3326	282	4	current	current	ADJ
fsr-3326	282	5	study	study	NOUN
fsr-3326	282	6	also	also	ADV
fsr-3326	282	7	adds	add	VERB
fsr-3326	282	8	to	to	ADP
fsr-3326	282	9	the	the	DET
fsr-3326	282	10	financial	financial	ADJ
fsr-3326	282	11	literacy	literacy	NOUN
fsr-3326	282	12	domain	domain	NOUN
fsr-3326	282	13	.	.	PUNCT
fsr-3326	283	1	this	this	DET
fsr-3326	283	2	research	research	NOUN
fsr-3326	283	3	has	have	VERB
fsr-3326	283	4	limitations	limitation	NOUN
fsr-3326	283	5	.	.	PUNCT
fsr-3326	284	1	the	the	DET
fsr-3326	284	2	role	role	NOUN
fsr-3326	284	3	played	play	VERB
fsr-3326	284	4	by	by	ADP
fsr-3326	284	5	financial	financial	ADJ
fsr-3326	284	6	advisors	advisor	NOUN
fsr-3326	284	7	is	be	AUX
fsr-3326	284	8	very	very	ADV
fsr-3326	284	9	important	important	ADJ
fsr-3326	284	10	to	to	PART
fsr-3326	284	11	investigate	investigate	VERB
fsr-3326	284	12	but	but	CCONJ
fsr-3326	284	13	difficult	difficult	ADJ
fsr-3326	284	14	to	to	PART
fsr-3326	284	15	research	research	VERB
fsr-3326	284	16	,	,	PUNCT
fsr-3326	284	17	given	give	VERB
fsr-3326	284	18	the	the	DET
fsr-3326	284	19	complexity	complexity	NOUN
fsr-3326	284	20	of	of	ADP
fsr-3326	284	21	financial	financial	ADJ
fsr-3326	284	22	advisors	advisor	NOUN
fsr-3326	284	23	’	'	PUNCT
fsr-3326	284	24	service	service	NOUN
fsr-3326	284	25	as	as	ADP
fsr-3326	284	26	a	a	DET
fsr-3326	284	27	credence	credence	NOUN
fsr-3326	284	28	good	good	NOUN
fsr-3326	284	29	and	and	CCONJ
fsr-3326	284	30	its	its	PRON
fsr-3326	284	31	impact	impact	NOUN
fsr-3326	284	32	on	on	ADP
fsr-3326	284	33	their	their	PRON
fsr-3326	284	34	clients	client	NOUN
fsr-3326	284	35	’	’	PART
fsr-3326	284	36	financial	financial	ADJ
fsr-3326	284	37	outcome	outcome	NOUN
fsr-3326	284	38	.	.	PUNCT
fsr-3326	285	1	even	even	ADV
fsr-3326	285	2	if	if	SCONJ
fsr-3326	285	3	personal	personal	ADJ
fsr-3326	285	4	finance	finance	NOUN
fsr-3326	285	5	is	be	AUX
fsr-3326	285	6	critical	critical	ADJ
fsr-3326	285	7	for	for	ADP
fsr-3326	285	8	individuals	individual	NOUN
fsr-3326	285	9	and	and	CCONJ
fsr-3326	285	10	in	in	ADP
fsr-3326	285	11	the	the	DET
fsr-3326	285	12	economy	economy	NOUN
fsr-3326	285	13	,	,	PUNCT
fsr-3326	285	14	surprisingly	surprisingly	ADV
fsr-3326	285	15	,	,	PUNCT
fsr-3326	285	16	research	research	NOUN
fsr-3326	285	17	in	in	ADP
fsr-3326	285	18	the	the	DET
fsr-3326	285	19	area	area	NOUN
fsr-3326	285	20	is	be	AUX
fsr-3326	285	21	rather	rather	ADV
fsr-3326	285	22	limited	limited	ADJ
fsr-3326	285	23	and	and	CCONJ
fsr-3326	285	24	scattered	scatter	VERB
fsr-3326	285	25	.	.	PUNCT
fsr-3326	286	1	for	for	ADP
fsr-3326	286	2	instance	instance	NOUN
fsr-3326	286	3	,	,	PUNCT
fsr-3326	286	4	quality	quality	NOUN
fsr-3326	286	5	academic	academic	ADJ
fsr-3326	286	6	journals	journal	NOUN
fsr-3326	286	7	specialized	specialize	VERB
fsr-3326	286	8	in	in	ADP
fsr-3326	286	9	pfp	pfp	PROPN
fsr-3326	286	10	are	be	AUX
fsr-3326	286	11	very	very	ADV
fsr-3326	286	12	rare	rare	ADJ
fsr-3326	286	13	.	.	PUNCT
fsr-3326	287	1	that	that	PRON
fsr-3326	287	2	said	say	VERB
fsr-3326	287	3	,	,	PUNCT
fsr-3326	287	4	our	our	PRON
fsr-3326	287	5	review	review	NOUN
fsr-3326	287	6	of	of	ADP
fsr-3326	287	7	prior	prior	ADJ
fsr-3326	287	8	research	research	NOUN
fsr-3326	287	9	,	,	PUNCT
fsr-3326	287	10	and	and	CCONJ
fsr-3326	287	11	our	our	PRON
fsr-3326	287	12	analysis	analysis	NOUN
fsr-3326	287	13	through	through	ADP
fsr-3326	287	14	theoretical	theoretical	ADJ
fsr-3326	287	15	frameworks	framework	NOUN
fsr-3326	287	16	,	,	PUNCT
fsr-3326	287	17	has	have	AUX
fsr-3326	287	18	still	still	ADV
fsr-3326	287	19	permitted	permit	VERB
fsr-3326	287	20	us	we	PRON
fsr-3326	287	21	to	to	PART
fsr-3326	287	22	identify	identify	VERB
fsr-3326	287	23	relevant	relevant	ADJ
fsr-3326	287	24	articles	article	NOUN
fsr-3326	287	25	to	to	PART
fsr-3326	287	26	develop	develop	VERB
fsr-3326	287	27	an	an	DET
fsr-3326	287	28	integrative	integrative	ADJ
fsr-3326	287	29	model	model	NOUN
fsr-3326	287	30	.	.	PUNCT
fsr-3326	288	1	we	we	PRON
fsr-3326	288	2	agree	agree	VERB
fsr-3326	288	3	that	that	SCONJ
fsr-3326	288	4	our	our	PRON
fsr-3326	288	5	model	model	NOUN
fsr-3326	288	6	provides	provide	VERB
fsr-3326	288	7	a	a	DET
fsr-3326	288	8	limited	limited	ADJ
fsr-3326	288	9	picture	picture	NOUN
fsr-3326	288	10	of	of	ADP
fsr-3326	288	11	a	a	DET
fsr-3326	288	12	complex	complex	ADJ
fsr-3326	288	13	construct	construct	NOUN
fsr-3326	288	14	and	and	CCONJ
fsr-3326	288	15	requires	require	VERB
fsr-3326	288	16	further	further	ADJ
fsr-3326	288	17	investigations	investigation	NOUN
fsr-3326	288	18	.	.	PUNCT
fsr-3326	289	1	for	for	ADP
fsr-3326	289	2	future	future	ADJ
fsr-3326	289	3	research	research	NOUN
fsr-3326	289	4	,	,	PUNCT
fsr-3326	289	5	it	it	PRON
fsr-3326	289	6	would	would	AUX
fsr-3326	289	7	be	be	AUX
fsr-3326	289	8	relevant	relevant	ADJ
fsr-3326	289	9	to	to	PART
fsr-3326	289	10	validate	validate	VERB
fsr-3326	289	11	empirically	empirically	ADV
fsr-3326	289	12	the	the	DET
fsr-3326	289	13	integrative	integrative	ADJ
fsr-3326	289	14	model	model	NOUN
fsr-3326	289	15	developed	develop	VERB
fsr-3326	289	16	.	.	PUNCT
fsr-3326	290	1	case	case	NOUN
fsr-3326	290	2	studies	study	NOUN
fsr-3326	290	3	and	and	CCONJ
fsr-3326	290	4	interviews	interview	NOUN
fsr-3326	290	5	should	should	AUX
fsr-3326	290	6	be	be	AUX
fsr-3326	290	7	conducted	conduct	VERB
fsr-3326	290	8	with	with	ADP
fsr-3326	290	9	stakeholders	stakeholder	NOUN
fsr-3326	290	10	,	,	PUNCT
fsr-3326	290	11	such	such	ADJ
fsr-3326	290	12	as	as	ADP
fsr-3326	290	13	advisors	advisor	NOUN
fsr-3326	290	14	,	,	PUNCT
fsr-3326	290	15	banks	bank	NOUN
fsr-3326	290	16	,	,	PUNCT
fsr-3326	290	17	and	and	CCONJ
fsr-3326	290	18	clients	client	NOUN
fsr-3326	290	19	,	,	PUNCT
fsr-3326	290	20	to	to	PART
fsr-3326	290	21	know	know	VERB
fsr-3326	290	22	more	more	ADJ
fsr-3326	290	23	about	about	ADP
fsr-3326	290	24	the	the	DET
fsr-3326	290	25	financial	financial	ADJ
fsr-3326	290	26	advising	advising	NOUN
fsr-3326	290	27	process	process	NOUN
fsr-3326	290	28	and	and	CCONJ
fsr-3326	290	29	,	,	PUNCT
fsr-3326	290	30	more	more	ADV
fsr-3326	290	31	importantly	importantly	ADV
fsr-3326	290	32	,	,	PUNCT
fsr-3326	290	33	the	the	DET
fsr-3326	290	34	role	role	NOUN
fsr-3326	290	35	played	play	VERB
fsr-3326	290	36	by	by	ADP
fsr-3326	290	37	financial	financial	ADJ
fsr-3326	290	38	advisors	advisor	NOUN
fsr-3326	290	39	.	.	PUNCT
fsr-3326	291	1	professional	professional	ADJ
fsr-3326	291	2	associations	association	NOUN
fsr-3326	291	3	such	such	ADJ
fsr-3326	291	4	as	as	ADP
fsr-3326	291	5	fp	fp	PROPN
fsr-3326	291	6	canada	canada	PROPN
fsr-3326	291	7	or	or	CCONJ
fsr-3326	291	8	the	the	DET
fsr-3326	291	9	us	us	PROPN
fsr-3326	291	10	cfp	cfp	PROPN
fsr-3326	291	11	board	board	NOUN
fsr-3326	291	12	should	should	AUX
fsr-3326	291	13	be	be	AUX
fsr-3326	291	14	involved	involve	VERB
fsr-3326	291	15	.	.	PUNCT
fsr-3326	292	1	collecting	collect	VERB
fsr-3326	292	2	data	datum	NOUN
fsr-3326	292	3	using	use	VERB
fsr-3326	292	4	a	a	DET
fsr-3326	292	5	diversity	diversity	NOUN
fsr-3326	292	6	of	of	ADP
fsr-3326	292	7	methods	method	NOUN
fsr-3326	292	8	among	among	ADP
fsr-3326	292	9	various	various	ADJ
fsr-3326	292	10	stakeholders	stakeholder	NOUN
fsr-3326	292	11	may	may	AUX
fsr-3326	292	12	only	only	ADV
fsr-3326	292	13	help	help	VERB
fsr-3326	292	14	to	to	PART
fsr-3326	292	15	better	well	ADV
fsr-3326	292	16	capture	capture	VERB
fsr-3326	292	17	the	the	DET
fsr-3326	292	18	phenomena	phenomenon	NOUN
fsr-3326	292	19	.	.	PUNCT
fsr-3326	293	1	financial	financial	ADJ
fsr-3326	293	2	professional	professional	ADJ
fsr-3326	293	3	designations	designation	NOUN
fsr-3326	293	4	also	also	ADV
fsr-3326	293	5	seem	seem	VERB
fsr-3326	293	6	to	to	PART
fsr-3326	293	7	modulate	modulate	VERB
fsr-3326	293	8	the	the	DET
fsr-3326	293	9	impact	impact	NOUN
fsr-3326	293	10	of	of	ADP
fsr-3326	293	11	the	the	DET
fsr-3326	293	12	advisor	advisor	NOUN
fsr-3326	293	13	on	on	ADP
fsr-3326	293	14	their	their	PRON
fsr-3326	293	15	clients	client	NOUN
fsr-3326	293	16	’	'	PUNCT
fsr-3326	293	17	outcome	outcome	NOUN
fsr-3326	293	18	through	through	ADP
fsr-3326	293	19	various	various	ADJ
fsr-3326	293	20	training	training	NOUN
fsr-3326	293	21	,	,	PUNCT
fsr-3326	293	22	certifications	certification	NOUN
fsr-3326	293	23	,	,	PUNCT
fsr-3326	293	24	and	and	CCONJ
fsr-3326	293	25	diplomas	diploma	VERB
fsr-3326	293	26	.	.	PUNCT
fsr-3326	294	1	how	how	SCONJ
fsr-3326	294	2	designations	designation	NOUN
fsr-3326	294	3	impact	impact	NOUN
fsr-3326	294	4	clients	client	NOUN
fsr-3326	294	5	’	’	PART
fsr-3326	294	6	perceptions	perception	NOUN
fsr-3326	294	7	in	in	ADP
fsr-3326	294	8	the	the	DET
fsr-3326	294	9	process	process	NOUN
fsr-3326	294	10	requires	require	VERB
fsr-3326	294	11	investigation	investigation	NOUN
fsr-3326	294	12	.	.	PUNCT
fsr-3326	295	1	future	future	ADJ
fsr-3326	295	2	research	research	NOUN
fsr-3326	295	3	may	may	AUX
fsr-3326	295	4	also	also	ADV
fsr-3326	295	5	look	look	VERB
fsr-3326	295	6	at	at	ADP
fsr-3326	295	7	how	how	SCONJ
fsr-3326	295	8	advisors	advisor	NOUN
fsr-3326	295	9	use	use	VERB
fsr-3326	295	10	technology	technology	NOUN
fsr-3326	295	11	,	,	PUNCT
fsr-3326	295	12	such	such	ADJ
fsr-3326	295	13	as	as	ADP
fsr-3326	295	14	software	software	NOUN
fsr-3326	295	15	,	,	PUNCT
fsr-3326	295	16	to	to	PART
fsr-3326	295	17	access	access	VERB
fsr-3326	295	18	specialized	specialized	ADJ
fsr-3326	295	19	knowledge	knowledge	NOUN
fsr-3326	295	20	.	.	PUNCT
fsr-3326	296	1	references	reference	NOUN
fsr-3326	296	2	agnew	agnew	PROPN
fsr-3326	296	3	,	,	PUNCT
fsr-3326	296	4	j.	j.	PROPN
fsr-3326	296	5	r.	r.	PROPN
fsr-3326	296	6	,	,	PUNCT
fsr-3326	296	7	bateman	bateman	PROPN
fsr-3326	296	8	,	,	PUNCT
fsr-3326	296	9	h.	h.	PROPN
fsr-3326	296	10	,	,	PUNCT
fsr-3326	296	11	eckert	eckert	PROPN
fsr-3326	296	12	,	,	PUNCT
fsr-3326	296	13	c.	c.	PROPN
fsr-3326	296	14	,	,	PUNCT
fsr-3326	296	15	iskhakov	iskhakov	PROPN
fsr-3326	296	16	,	,	PUNCT
fsr-3326	296	17	f.	f.	PROPN
fsr-3326	296	18	,	,	PUNCT
fsr-3326	296	19	louviere	louviere	ADV
fsr-3326	296	20	,	,	PUNCT
fsr-3326	296	21	j.	j.	PROPN
fsr-3326	296	22	,	,	PUNCT
fsr-3326	296	23	&	&	CCONJ
fsr-3326	296	24	thorp	thorp	PROPN
fsr-3326	296	25	,	,	PUNCT
fsr-3326	296	26	s.	s.	PROPN
fsr-3326	296	27	(	(	PUNCT
fsr-3326	296	28	2018	2018	NUM
fsr-3326	296	29	)	)	PUNCT
fsr-3326	296	30	.	.	PUNCT
fsr-3326	297	1	first	first	ADJ
fsr-3326	297	2	impressions	impression	NOUN
fsr-3326	297	3	matter	matter	NOUN
fsr-3326	297	4	:	:	PUNCT
fsr-3326	297	5	an	an	DET
fsr-3326	297	6	experimental	experimental	ADJ
fsr-3326	297	7	investigation	investigation	NOUN
fsr-3326	297	8	of	of	ADP
fsr-3326	297	9	online	online	PROPN
fsr-3326	297	10	pilote	pilote	X
fsr-3326	297	11	et	et	PROPN
fsr-3326	297	12	al	al	PROPN
fsr-3326	297	13	.	.	PROPN
fsr-3326	297	14	46	46	NUM
fsr-3326	297	15	financial	financial	ADJ
fsr-3326	297	16	advice	advice	NOUN
fsr-3326	297	17	.	.	PUNCT
fsr-3326	298	1	management	management	NOUN
fsr-3326	298	2	science	science	NOUN
fsr-3326	298	3	,	,	PUNCT
fsr-3326	298	4	64(1	64(1	NUM
fsr-3326	298	5	)	)	PUNCT
fsr-3326	298	6	,	,	PUNCT
fsr-3326	298	7	288	288	NUM
fsr-3326	298	8	-	-	SYM
fsr-3326	298	9	307	307	NUM
fsr-3326	298	10	.	.	PUNCT
fsr-3326	299	1	alsemgeest	alsemgeest	PROPN
fsr-3326	299	2	,	,	PUNCT
fsr-3326	299	3	l.	l.	PROPN
fsr-3326	299	4	(	(	PUNCT
fsr-3326	299	5	2022	2022	NUM
fsr-3326	299	6	)	)	PUNCT
fsr-3326	299	7	.	.	PUNCT
fsr-3326	300	1	the	the	DET
fsr-3326	300	2	truth	truth	NOUN
fsr-3326	300	3	will	will	AUX
fsr-3326	300	4	set	set	VERB
fsr-3326	300	5	you	you	PRON
fsr-3326	300	6	free	free	ADJ
fsr-3326	300	7	:	:	PUNCT
fsr-3326	300	8	the	the	DET
fsr-3326	300	9	perception	perception	NOUN
fsr-3326	300	10	of	of	ADP
fsr-3326	300	11	south	south	ADJ
fsr-3326	300	12	african	african	ADJ
fsr-3326	300	13	financial	financial	ADJ
fsr-3326	300	14	advisors	advisor	NOUN
fsr-3326	300	15	regarding	regard	VERB
fsr-3326	300	16	clients	client	NOUN
fsr-3326	300	17	'	'	PART
fsr-3326	300	18	truthfulness	truthfulness	ADJ
fsr-3326	300	19	when	when	SCONJ
fsr-3326	300	20	sharing	share	VERB
fsr-3326	300	21	information	information	NOUN
fsr-3326	300	22	.	.	PUNCT
fsr-3326	301	1	journal	journal	NOUN
fsr-3326	301	2	of	of	ADP
fsr-3326	301	3	financial	financial	ADJ
fsr-3326	301	4	services	service	NOUN
fsr-3326	301	5	marketing	marketing	NOUN
fsr-3326	301	6	,	,	PUNCT
fsr-3326	301	7	27(3	27(3	NUM
fsr-3326	301	8	)	)	PUNCT
fsr-3326	301	9	,	,	PUNCT
fsr-3326	301	10	221	221	NUM
fsr-3326	301	11	-	-	SYM
fsr-3326	301	12	231	231	NUM
fsr-3326	301	13	.	.	PUNCT
fsr-3326	302	1	anagol	anagol	NOUN
fsr-3326	302	2	,	,	PUNCT
fsr-3326	302	3	s.	s.	PROPN
fsr-3326	302	4	,	,	PUNCT
fsr-3326	302	5	cole	cole	PROPN
fsr-3326	302	6	,	,	PUNCT
fsr-3326	302	7	s.	s.	PROPN
fsr-3326	302	8	,	,	PUNCT
fsr-3326	302	9	&	&	CCONJ
fsr-3326	302	10	sarkar	sarkar	PROPN
fsr-3326	302	11	,	,	PUNCT
fsr-3326	302	12	s.	s.	PROPN
fsr-3326	302	13	(	(	PUNCT
fsr-3326	302	14	2017	2017	NUM
fsr-3326	302	15	)	)	PUNCT
fsr-3326	302	16	.	.	PUNCT
fsr-3326	303	1	understanding	understand	VERB
fsr-3326	303	2	the	the	DET
fsr-3326	303	3	advice	advice	NOUN
fsr-3326	303	4	of	of	ADP
fsr-3326	303	5	commissions	commission	NOUN
fsr-3326	303	6	-	-	PUNCT
fsr-3326	303	7	motivated	motivate	VERB
fsr-3326	303	8	agents	agent	NOUN
fsr-3326	303	9	:	:	PUNCT
fsr-3326	303	10	evidence	evidence	NOUN
fsr-3326	303	11	from	from	ADP
fsr-3326	303	12	the	the	DET
fsr-3326	303	13	indian	indian	ADJ
fsr-3326	303	14	life	life	NOUN
fsr-3326	303	15	insurance	insurance	NOUN
fsr-3326	303	16	market	market	NOUN
fsr-3326	303	17	.	.	PUNCT
fsr-3326	304	1	review	review	NOUN
fsr-3326	304	2	of	of	ADP
fsr-3326	304	3	economics	economic	NOUN
fsr-3326	304	4	and	and	CCONJ
fsr-3326	304	5	statistics	statistic	NOUN
fsr-3326	304	6	,	,	PUNCT
fsr-3326	304	7	99(1	99(1	NUM
fsr-3326	304	8	)	)	PUNCT
fsr-3326	304	9	,	,	PUNCT
fsr-3326	304	10	1	1	NUM
fsr-3326	304	11	-	-	SYM
fsr-3326	304	12	15	15	NUM
fsr-3326	304	13	.	.	PUNCT
fsr-3326	305	1	anderson	anderson	PROPN
fsr-3326	305	2	,	,	PUNCT
fsr-3326	305	3	j.	j.	PROPN
fsr-3326	305	4	r.	r.	PROPN
fsr-3326	305	5	(	(	PUNCT
fsr-3326	305	6	1982	1982	NUM
fsr-3326	305	7	)	)	PUNCT
fsr-3326	305	8	.	.	PUNCT
fsr-3326	306	1	acquisition	acquisition	NOUN
fsr-3326	306	2	of	of	ADP
fsr-3326	306	3	cognitive	cognitive	ADJ
fsr-3326	306	4	skill	skill	NOUN
fsr-3326	306	5	.	.	PUNCT
fsr-3326	307	1	psychological	psychological	ADJ
fsr-3326	307	2	review	review	NOUN
fsr-3326	307	3	,	,	PUNCT
fsr-3326	307	4	89(4	89(4	NOUN
fsr-3326	307	5	)	)	PUNCT
fsr-3326	307	6	,	,	PUNCT
fsr-3326	307	7	369	369	NUM
fsr-3326	307	8	.	.	PUNCT
fsr-3326	308	1	anderson	anderson	PROPN
fsr-3326	308	2	,	,	PUNCT
fsr-3326	308	3	j.	j.	PROPN
fsr-3326	308	4	r.	r.	PROPN
fsr-3326	308	5	(	(	PUNCT
fsr-3326	308	6	1983	1983	NUM
fsr-3326	308	7	)	)	PUNCT
fsr-3326	308	8	.	.	PUNCT
fsr-3326	309	1	the	the	DET
fsr-3326	309	2	architecture	architecture	NOUN
fsr-3326	309	3	of	of	ADP
fsr-3326	309	4	cognition	cognition	NOUN
fsr-3326	309	5	.	.	PUNCT
fsr-3326	310	1	harvard	harvard	PROPN
fsr-3326	310	2	university	university	PROPN
fsr-3326	310	3	press	press	NOUN
fsr-3326	310	4	.	.	PUNCT
fsr-3326	311	1	angelova	angelova	PROPN
fsr-3326	311	2	,	,	PUNCT
fsr-3326	311	3	v.	v.	PROPN
fsr-3326	311	4	,	,	PUNCT
fsr-3326	311	5	&	&	CCONJ
fsr-3326	311	6	regner	regner	NOUN
fsr-3326	311	7	,	,	PUNCT
fsr-3326	311	8	t.	t.	PROPN
fsr-3326	311	9	(	(	PUNCT
fsr-3326	311	10	2013	2013	NUM
fsr-3326	311	11	)	)	PUNCT
fsr-3326	311	12	.	.	PUNCT
fsr-3326	312	1	do	do	AUX
fsr-3326	312	2	voluntary	voluntary	ADJ
fsr-3326	312	3	payments	payment	NOUN
fsr-3326	312	4	to	to	ADP
fsr-3326	312	5	advisors	advisor	NOUN
fsr-3326	312	6	improve	improve	VERB
fsr-3326	312	7	the	the	DET
fsr-3326	312	8	quality	quality	NOUN
fsr-3326	312	9	of	of	ADP
fsr-3326	312	10	financial	financial	ADJ
fsr-3326	312	11	advice	advice	NOUN
fsr-3326	312	12	?	?	PUNCT
fsr-3326	313	1	an	an	DET
fsr-3326	313	2	experimental	experimental	ADJ
fsr-3326	313	3	deception	deception	NOUN
fsr-3326	313	4	game	game	NOUN
fsr-3326	313	5	.	.	PUNCT
fsr-3326	314	1	journal	journal	PROPN
fsr-3326	314	2	of	of	ADP
fsr-3326	314	3	economic	economic	ADJ
fsr-3326	314	4	behavior	behavior	NOUN
fsr-3326	314	5	&	&	CCONJ
fsr-3326	314	6	organization	organization	PROPN
fsr-3326	314	7	,	,	PUNCT
fsr-3326	314	8	93	93	NUM
fsr-3326	314	9	,	,	PUNCT
fsr-3326	314	10	205	205	NUM
fsr-3326	314	11	-	-	SYM
fsr-3326	314	12	218	218	NUM
fsr-3326	314	13	.	.	PUNCT
fsr-3326	315	1	angelova	angelova	PROPN
fsr-3326	315	2	,	,	PUNCT
fsr-3326	315	3	v.	v.	PROPN
fsr-3326	315	4	,	,	PUNCT
fsr-3326	315	5	&	&	CCONJ
fsr-3326	315	6	regner	regner	NOUN
fsr-3326	315	7	,	,	PUNCT
fsr-3326	315	8	t.	t.	PROPN
fsr-3326	315	9	(	(	PUNCT
fsr-3326	315	10	2018	2018	NUM
fsr-3326	315	11	)	)	PUNCT
fsr-3326	315	12	.	.	PUNCT
fsr-3326	316	1	can	can	AUX
fsr-3326	316	2	a	a	DET
fsr-3326	316	3	bonus	bonus	NOUN
fsr-3326	316	4	overcome	overcome	VERB
fsr-3326	316	5	moral	moral	ADJ
fsr-3326	316	6	hazard	hazard	NOUN
fsr-3326	316	7	?	?	PUNCT
fsr-3326	317	1	experimental	experimental	ADJ
fsr-3326	317	2	evidence	evidence	NOUN
fsr-3326	317	3	from	from	ADP
fsr-3326	317	4	markets	market	NOUN
fsr-3326	317	5	for	for	ADP
fsr-3326	317	6	expert	expert	NOUN
fsr-3326	317	7	services	service	NOUN
fsr-3326	317	8	.	.	PUNCT
fsr-3326	318	1	journal	journal	NOUN
fsr-3326	318	2	of	of	ADP
fsr-3326	318	3	economic	economic	ADJ
fsr-3326	318	4	behavior	behavior	NOUN
fsr-3326	318	5	&	&	CCONJ
fsr-3326	318	6	organization	organization	PROPN
fsr-3326	318	7	,	,	PUNCT
fsr-3326	318	8	154	154	NUM
fsr-3326	318	9	,	,	PUNCT
fsr-3326	318	10	362	362	NUM
fsr-3326	318	11	-	-	SYM
fsr-3326	318	12	378	378	NUM
fsr-3326	318	13	.	.	PUNCT
fsr-3326	319	1	arman	arman	PROPN
fsr-3326	319	2	,	,	PUNCT
fsr-3326	319	3	j.	j.	PROPN
fsr-3326	319	4	,	,	PUNCT
fsr-3326	319	5	&	&	CCONJ
fsr-3326	319	6	shackman	shackman	PROPN
fsr-3326	319	7	,	,	PUNCT
fsr-3326	319	8	j.	j.	PROPN
fsr-3326	319	9	(	(	PUNCT
fsr-3326	319	10	2012	2012	NUM
fsr-3326	319	11	)	)	PUNCT
fsr-3326	319	12	.	.	PUNCT
fsr-3326	320	1	the	the	DET
fsr-3326	320	2	impact	impact	NOUN
fsr-3326	320	3	of	of	ADP
fsr-3326	320	4	financial	financial	ADJ
fsr-3326	320	5	planning	planning	NOUN
fsr-3326	320	6	designations	designation	NOUN
fsr-3326	320	7	on	on	ADP
fsr-3326	320	8	financial	financial	ADJ
fsr-3326	320	9	planner	planner	NOUN
fsr-3326	320	10	income	income	NOUN
fsr-3326	320	11	.	.	PUNCT
fsr-3326	321	1	the	the	DET
fsr-3326	321	2	service	service	NOUN
fsr-3326	321	3	industries	industry	NOUN
fsr-3326	321	4	journal	journal	NOUN
fsr-3326	321	5	,	,	PUNCT
fsr-3326	321	6	32(8	32(8	NUM
fsr-3326	321	7	)	)	PUNCT
fsr-3326	321	8	,	,	PUNCT
fsr-3326	321	9	1393	1393	NUM
fsr-3326	321	10	-	-	SYM
fsr-3326	321	11	1409	1409	NUM
fsr-3326	321	12	.	.	PUNCT
fsr-3326	322	1	azamian	azamian	PROPN
fsr-3326	322	2	,	,	PUNCT
fsr-3326	322	3	n.	n.	PROPN
fsr-3326	322	4	,	,	PUNCT
fsr-3326	322	5	beck	beck	PROPN
fsr-3326	322	6	,	,	PUNCT
fsr-3326	322	7	k.	k.	PROPN
fsr-3326	322	8	,	,	PUNCT
fsr-3326	322	9	chiu	chiu	PROPN
fsr-3326	322	10	,	,	PUNCT
fsr-3326	322	11	h.-h	h.-h	NOUN
fsr-3326	322	12	.	.	PUNCT
fsr-3326	322	13	,	,	PUNCT
fsr-3326	322	14	&	&	CCONJ
fsr-3326	322	15	timmerman	timmerman	PROPN
fsr-3326	322	16	,	,	PUNCT
fsr-3326	322	17	i.	i.	PROPN
fsr-3326	322	18	(	(	PUNCT
fsr-3326	322	19	2022	2022	NUM
fsr-3326	322	20	)	)	PUNCT
fsr-3326	322	21	.	.	PUNCT
fsr-3326	323	1	do	do	VERB
fsr-3326	323	2	as	as	SCONJ
fsr-3326	323	3	i	i	PRON
fsr-3326	323	4	tell	tell	VERB
fsr-3326	323	5	you	you	PRON
fsr-3326	323	6	,	,	PUNCT
fsr-3326	323	7	not	not	PART
fsr-3326	323	8	as	as	SCONJ
fsr-3326	323	9	i	i	PRON
fsr-3326	323	10	do	do	VERB
fsr-3326	323	11	:	:	PUNCT
fsr-3326	323	12	financial	financial	ADJ
fsr-3326	323	13	advisors	advisor	NOUN
fsr-3326	323	14	and	and	CCONJ
fsr-3326	323	15	personal	personal	ADJ
fsr-3326	323	16	financial	financial	ADJ
fsr-3326	323	17	decision	decision	NOUN
fsr-3326	323	18	-	-	PUNCT
fsr-3326	323	19	making	making	NOUN
fsr-3326	323	20	.	.	PUNCT
fsr-3326	324	1	financial	financial	ADJ
fsr-3326	324	2	services	service	NOUN
fsr-3326	324	3	review	review	PROPN
fsr-3326	324	4	,	,	PUNCT
fsr-3326	324	5	30(1	30(1	NUM
fsr-3326	324	6	)	)	PUNCT
fsr-3326	324	7	,	,	PUNCT
fsr-3326	324	8	57	57	NUM
fsr-3326	324	9	-	-	SYM
fsr-3326	324	10	68	68	NUM
fsr-3326	324	11	.	.	PUNCT
fsr-3326	325	1	bae	bae	PROPN
fsr-3326	325	2	,	,	PUNCT
fsr-3326	325	3	s.	s.	PROPN
fsr-3326	325	4	c.	c.	PROPN
fsr-3326	325	5	,	,	PUNCT
fsr-3326	325	6	&	&	CCONJ
fsr-3326	325	7	sandager	sandager	PROPN
fsr-3326	325	8	,	,	PUNCT
fsr-3326	325	9	j.	j.	PROPN
fsr-3326	325	10	p.	p.	PROPN
fsr-3326	325	11	(	(	PUNCT
fsr-3326	325	12	1997	1997	NUM
fsr-3326	325	13	)	)	PUNCT
fsr-3326	325	14	.	.	PUNCT
fsr-3326	326	1	what	what	PRON
fsr-3326	326	2	consumers	consumer	NOUN
fsr-3326	326	3	look	look	VERB
fsr-3326	326	4	for	for	ADP
fsr-3326	326	5	in	in	ADP
fsr-3326	326	6	financial	financial	ADJ
fsr-3326	326	7	planners	planner	NOUN
fsr-3326	326	8	.	.	PUNCT
fsr-3326	327	1	journal	journal	NOUN
fsr-3326	327	2	of	of	ADP
fsr-3326	327	3	financial	financial	ADJ
fsr-3326	327	4	counseling	counseling	NOUN
fsr-3326	327	5	and	and	CCONJ
fsr-3326	327	6	planning	planning	NOUN
fsr-3326	327	7	,	,	PUNCT
fsr-3326	327	8	8(2	8(2	NUM
fsr-3326	327	9	)	)	PUNCT
fsr-3326	327	10	,	,	PUNCT
fsr-3326	327	11	9	9	X
fsr-3326	327	12	.	.	X
fsr-3326	327	13	balasubramnian	balasubramnian	PROPN
fsr-3326	327	14	,	,	PUNCT
fsr-3326	327	15	b.	b.	PROPN
fsr-3326	327	16	,	,	PUNCT
fsr-3326	327	17	&	&	CCONJ
fsr-3326	327	18	brisker	brisker	X
fsr-3326	327	19	,	,	PUNCT
fsr-3326	327	20	e.	e.	PROPN
fsr-3326	327	21	r.	r.	PROPN
fsr-3326	327	22	(	(	PUNCT
fsr-3326	327	23	2016	2016	NUM
fsr-3326	327	24	)	)	PUNCT
fsr-3326	327	25	.	.	PUNCT
fsr-3326	328	1	financial	financial	ADJ
fsr-3326	328	2	adviser	adviser	NOUN
fsr-3326	328	3	users	user	NOUN
fsr-3326	328	4	and	and	CCONJ
fsr-3326	328	5	financial	financial	ADJ
fsr-3326	328	6	literacy	literacy	NOUN
fsr-3326	328	7	.	.	PUNCT
fsr-3326	329	1	financial	financial	ADJ
fsr-3326	329	2	services	service	NOUN
fsr-3326	329	3	review	review	PROPN
fsr-3326	329	4	,	,	PUNCT
fsr-3326	329	5	25(2	25(2	NUM
fsr-3326	329	6	)	)	PUNCT
fsr-3326	329	7	,	,	PUNCT
fsr-3326	329	8	127	127	NUM
fsr-3326	329	9	.	.	PUNCT
fsr-3326	330	1	barnett	barnett	PROPN
fsr-3326	330	2	white	white	PROPN
fsr-3326	330	3	,	,	PUNCT
fsr-3326	330	4	t.	t.	PROPN
fsr-3326	330	5	(	(	PUNCT
fsr-3326	330	6	2005	2005	NUM
fsr-3326	330	7	)	)	PUNCT
fsr-3326	330	8	.	.	PUNCT
fsr-3326	331	1	consumer	consumer	NOUN
fsr-3326	331	2	trust	trust	NOUN
fsr-3326	331	3	and	and	CCONJ
fsr-3326	331	4	advice	advice	NOUN
fsr-3326	331	5	acceptance	acceptance	NOUN
fsr-3326	331	6	:	:	PUNCT
fsr-3326	331	7	the	the	DET
fsr-3326	331	8	moderating	moderate	VERB
fsr-3326	331	9	roles	role	NOUN
fsr-3326	331	10	of	of	ADP
fsr-3326	331	11	benevolence	benevolence	NOUN
fsr-3326	331	12	,	,	PUNCT
fsr-3326	331	13	expertise	expertise	NOUN
fsr-3326	331	14	,	,	PUNCT
fsr-3326	331	15	and	and	CCONJ
fsr-3326	331	16	negative	negative	ADJ
fsr-3326	331	17	emotions	emotion	NOUN
fsr-3326	331	18	.	.	PUNCT
fsr-3326	332	1	journal	journal	NOUN
fsr-3326	332	2	of	of	ADP
fsr-3326	332	3	consumer	consumer	NOUN
fsr-3326	332	4	psychology	psychology	NOUN
fsr-3326	332	5	,	,	PUNCT
fsr-3326	332	6	15(2	15(2	NUM
fsr-3326	332	7	)	)	PUNCT
fsr-3326	332	8	,	,	PUNCT
fsr-3326	332	9	141	141	NUM
fsr-3326	332	10	-	-	SYM
fsr-3326	332	11	148	148	NUM
fsr-3326	332	12	.	.	PUNCT
fsr-3326	333	1	barrick	barrick	PROPN
fsr-3326	333	2	,	,	PUNCT
fsr-3326	333	3	j.	j.	PROPN
fsr-3326	333	4	a.	a.	PROPN
fsr-3326	333	5	,	,	PUNCT
fsr-3326	333	6	&	&	CCONJ
fsr-3326	333	7	spilker	spilker	PROPN
fsr-3326	333	8	,	,	PUNCT
fsr-3326	333	9	b.	b.	PROPN
fsr-3326	333	10	c.	c.	PROPN
fsr-3326	333	11	(	(	PUNCT
fsr-3326	333	12	2003	2003	NUM
fsr-3326	333	13	)	)	PUNCT
fsr-3326	333	14	.	.	PUNCT
fsr-3326	334	1	the	the	DET
fsr-3326	334	2	relations	relation	NOUN
fsr-3326	334	3	between	between	ADP
fsr-3326	334	4	knowledge	knowledge	NOUN
fsr-3326	334	5	,	,	PUNCT
fsr-3326	334	6	search	search	NOUN
fsr-3326	334	7	strategy	strategy	NOUN
fsr-3326	334	8	,	,	PUNCT
fsr-3326	334	9	and	and	CCONJ
fsr-3326	334	10	performance	performance	NOUN
fsr-3326	334	11	in	in	ADP
fsr-3326	334	12	unaided	unaided	ADJ
fsr-3326	334	13	and	and	CCONJ
fsr-3326	334	14	aided	aid	VERB
fsr-3326	334	15	information	information	NOUN
fsr-3326	334	16	search	search	NOUN
fsr-3326	334	17	.	.	PUNCT
fsr-3326	335	1	organizational	organizational	ADJ
fsr-3326	335	2	behavior	behavior	NOUN
fsr-3326	335	3	and	and	CCONJ
fsr-3326	335	4	human	human	ADJ
fsr-3326	335	5	decision	decision	NOUN
fsr-3326	335	6	processes	process	NOUN
fsr-3326	335	7	,	,	PUNCT
fsr-3326	335	8	90(1	90(1	NUM
fsr-3326	335	9	)	)	PUNCT
fsr-3326	335	10	,	,	PUNCT
fsr-3326	335	11	1	1	NUM
fsr-3326	335	12	-	-	SYM
fsr-3326	335	13	18	18	NUM
fsr-3326	335	14	.	.	PUNCT
fsr-3326	336	1	bergstresser	bergstresser	NOUN
fsr-3326	336	2	,	,	PUNCT
fsr-3326	336	3	d.	d.	PROPN
fsr-3326	336	4	,	,	PUNCT
fsr-3326	336	5	chalmers	chalmers	PROPN
fsr-3326	336	6	,	,	PUNCT
fsr-3326	336	7	j.	j.	PROPN
fsr-3326	336	8	m.	m.	PROPN
fsr-3326	336	9	r.	r.	PROPN
fsr-3326	336	10	,	,	PUNCT
fsr-3326	336	11	&	&	CCONJ
fsr-3326	336	12	tufano	tufano	ADJ
fsr-3326	336	13	,	,	PUNCT
fsr-3326	336	14	p.	p.	NOUN
fsr-3326	336	15	(	(	PUNCT
fsr-3326	336	16	2009	2009	NUM
fsr-3326	336	17	)	)	PUNCT
fsr-3326	336	18	.	.	PUNCT
fsr-3326	337	1	assessing	assess	VERB
fsr-3326	337	2	the	the	DET
fsr-3326	337	3	costs	cost	NOUN
fsr-3326	337	4	and	and	CCONJ
fsr-3326	337	5	benefits	benefit	NOUN
fsr-3326	337	6	of	of	ADP
fsr-3326	337	7	brokers	broker	NOUN
fsr-3326	337	8	in	in	ADP
fsr-3326	337	9	the	the	DET
fsr-3326	337	10	mutual	mutual	ADJ
fsr-3326	337	11	fund	fund	NOUN
fsr-3326	337	12	industry	industry	NOUN
fsr-3326	337	13	.	.	PUNCT
fsr-3326	338	1	the	the	DET
fsr-3326	338	2	review	review	NOUN
fsr-3326	338	3	of	of	ADP
fsr-3326	338	4	financial	financial	ADJ
fsr-3326	338	5	studies	study	NOUN
fsr-3326	338	6	,	,	PUNCT
fsr-3326	338	7	22(10	22(10	NUM
fsr-3326	338	8	)	)	PUNCT
fsr-3326	338	9	,	,	PUNCT
fsr-3326	338	10	4129	4129	NUM
fsr-3326	338	11	-	-	SYM
fsr-3326	338	12	4156	4156	NUM
fsr-3326	338	13	.	.	PUNCT
fsr-3326	339	1	beyer	beyer	PROPN
fsr-3326	339	2	,	,	PUNCT
fsr-3326	339	3	m.	m.	NOUN
fsr-3326	339	4	,	,	PUNCT
fsr-3326	339	5	de	de	X
fsr-3326	339	6	meza	meza	PROPN
fsr-3326	339	7	,	,	PUNCT
fsr-3326	339	8	d.	d.	PROPN
fsr-3326	339	9	,	,	PUNCT
fsr-3326	339	10	&	&	CCONJ
fsr-3326	339	11	reyniers	reyniers	PROPN
fsr-3326	339	12	,	,	PUNCT
fsr-3326	339	13	d.	d.	PROPN
fsr-3326	339	14	(	(	PUNCT
fsr-3326	339	15	2013	2013	NUM
fsr-3326	339	16	)	)	PUNCT
fsr-3326	339	17	.	.	PUNCT
fsr-3326	340	1	do	do	AUX
fsr-3326	340	2	financial	financial	ADJ
fsr-3326	340	3	advisor	advisor	NOUN
fsr-3326	340	4	commissions	commission	NOUN
fsr-3326	340	5	distort	distort	VERB
fsr-3326	340	6	client	client	NOUN
fsr-3326	340	7	choice	choice	NOUN
fsr-3326	340	8	?	?	PUNCT
fsr-3326	341	1	economics	economic	NOUN
fsr-3326	341	2	letters	letter	NOUN
fsr-3326	341	3	,	,	PUNCT
fsr-3326	341	4	119(2	119(2	NUM
fsr-3326	341	5	)	)	PUNCT
fsr-3326	341	6	,	,	PUNCT
fsr-3326	341	7	117	117	NUM
fsr-3326	341	8	-	-	SYM
fsr-3326	341	9	119	119	NUM
fsr-3326	341	10	.	.	PUNCT
fsr-3326	342	1	bhattacharya	bhattacharya	PROPN
fsr-3326	342	2	,	,	PUNCT
fsr-3326	342	3	u.	u.	PROPN
fsr-3326	342	4	,	,	PUNCT
fsr-3326	342	5	hackethal	hackethal	NOUN
fsr-3326	342	6	,	,	PUNCT
fsr-3326	342	7	a.	a.	NOUN
fsr-3326	342	8	,	,	PUNCT
fsr-3326	342	9	kaesler	kaesler	PROPN
fsr-3326	342	10	,	,	PUNCT
fsr-3326	342	11	s.	s.	PROPN
fsr-3326	342	12	,	,	PUNCT
fsr-3326	342	13	loos	loos	PROPN
fsr-3326	342	14	,	,	PUNCT
fsr-3326	342	15	b.	b.	PROPN
fsr-3326	342	16	,	,	PUNCT
fsr-3326	342	17	&	&	CCONJ
fsr-3326	342	18	meyer	meyer	PROPN
fsr-3326	342	19	,	,	PUNCT
fsr-3326	342	20	s.	s.	PROPN
fsr-3326	342	21	(	(	PUNCT
fsr-3326	342	22	2012	2012	NUM
fsr-3326	342	23	)	)	PUNCT
fsr-3326	342	24	.	.	PUNCT
fsr-3326	342	25	is	be	AUX
fsr-3326	342	26	unbiased	unbiased	ADJ
fsr-3326	342	27	financial	financial	ADJ
fsr-3326	342	28	advice	advice	NOUN
fsr-3326	342	29	to	to	ADP
fsr-3326	342	30	retail	retail	ADJ
fsr-3326	342	31	investors	investor	NOUN
fsr-3326	342	32	sufficient	sufficient	ADJ
fsr-3326	342	33	?	?	PUNCT
fsr-3326	343	1	answers	answer	NOUN
fsr-3326	343	2	from	from	ADP
fsr-3326	343	3	a	a	DET
fsr-3326	343	4	large	large	ADJ
fsr-3326	343	5	field	field	NOUN
fsr-3326	343	6	study	study	NOUN
fsr-3326	343	7	.	.	PUNCT
fsr-3326	344	1	the	the	DET
fsr-3326	344	2	review	review	NOUN
fsr-3326	344	3	of	of	ADP
fsr-3326	344	4	financial	financial	ADJ
fsr-3326	344	5	studies	study	NOUN
fsr-3326	344	6	,	,	PUNCT
fsr-3326	344	7	25(4	25(4	NOUN
fsr-3326	344	8	)	)	PUNCT
fsr-3326	344	9	,	,	PUNCT
fsr-3326	344	10	975	975	NUM
fsr-3326	344	11	-	-	SYM
fsr-3326	344	12	1032	1032	NUM
fsr-3326	344	13	.	.	PUNCT
fsr-3326	345	1	bigel	bigel	NOUN
fsr-3326	345	2	,	,	PUNCT
fsr-3326	345	3	k.	k.	PROPN
fsr-3326	345	4	s.	s.	PROPN
fsr-3326	345	5	(	(	PUNCT
fsr-3326	345	6	2000	2000	NUM
fsr-3326	345	7	)	)	PUNCT
fsr-3326	345	8	.	.	PUNCT
fsr-3326	346	1	the	the	DET
fsr-3326	346	2	ethical	ethical	ADJ
fsr-3326	346	3	orientation	orientation	NOUN
fsr-3326	346	4	of	of	ADP
fsr-3326	346	5	financial	financial	ADJ
fsr-3326	346	6	planners	planner	NOUN
fsr-3326	346	7	who	who	PRON
fsr-3326	346	8	are	be	AUX
fsr-3326	346	9	engaged	engage	VERB
fsr-3326	346	10	in	in	ADP
fsr-3326	346	11	investment	investment	NOUN
fsr-3326	346	12	activities	activity	NOUN
fsr-3326	346	13	:	:	PUNCT
fsr-3326	346	14	a	a	DET
fsr-3326	346	15	comparison	comparison	NOUN
fsr-3326	346	16	of	of	ADP
fsr-3326	346	17	united	united	PROPN
fsr-3326	346	18	states	states	PROPN
fsr-3326	346	19	practitioners	practitioner	NOUN
fsr-3326	346	20	based	base	VERB
fsr-3326	346	21	on	on	ADP
fsr-3326	346	22	professionalization	professionalization	NOUN
fsr-3326	346	23	and	and	CCONJ
fsr-3326	346	24	compensation	compensation	NOUN
fsr-3326	346	25	sources	source	NOUN
fsr-3326	346	26	.	.	PUNCT
fsr-3326	347	1	journal	journal	PROPN
fsr-3326	347	2	of	of	ADP
fsr-3326	347	3	business	business	NOUN
fsr-3326	347	4	ethics	ethic	NOUN
fsr-3326	347	5	,	,	PUNCT
fsr-3326	347	6	28(4	28(4	NUM
fsr-3326	347	7	)	)	PUNCT
fsr-3326	347	8	,	,	PUNCT
fsr-3326	347	9	323	323	NUM
fsr-3326	347	10	-	-	SYM
fsr-3326	347	11	337	337	NUM
fsr-3326	347	12	.	.	PUNCT
fsr-3326	348	1	blanchett	blanchett	PROPN
fsr-3326	348	2	,	,	PUNCT
fsr-3326	348	3	d.	d.	PROPN
fsr-3326	348	4	m.	m.	PROPN
fsr-3326	348	5	(	(	PUNCT
fsr-3326	348	6	2019	2019	NUM
fsr-3326	348	7	)	)	PUNCT
fsr-3326	348	8	.	.	PUNCT
fsr-3326	349	1	financially	financially	ADV
fsr-3326	349	2	sound	sound	ADJ
fsr-3326	349	3	households	household	NOUN
fsr-3326	349	4	use	use	VERB
fsr-3326	349	5	financial	financial	ADJ
fsr-3326	349	6	planners	planner	NOUN
fsr-3326	349	7	,	,	PUNCT
fsr-3326	349	8	not	not	PART
fsr-3326	349	9	transactional	transactional	ADJ
fsr-3326	349	10	advisers	adviser	NOUN
fsr-3326	349	11	.	.	PUNCT
fsr-3326	350	1	journal	journal	PROPN
fsr-3326	350	2	of	of	ADP
fsr-3326	350	3	financial	financial	ADJ
fsr-3326	350	4	planning	planning	NOUN
fsr-3326	350	5	,	,	PUNCT
fsr-3326	350	6	32(4	32(4	NUM
fsr-3326	350	7	)	)	PUNCT
fsr-3326	350	8	,	,	PUNCT
fsr-3326	350	9	30	30	NUM
fsr-3326	350	10	-	-	SYM
fsr-3326	350	11	40	40	NUM
fsr-3326	350	12	.	.	PUNCT
fsr-3326	351	1	bluethgen	bluethgen	PROPN
fsr-3326	351	2	,	,	PUNCT
fsr-3326	351	3	r.	r.	PROPN
fsr-3326	351	4	,	,	PUNCT
fsr-3326	351	5	gintschel	gintschel	PROPN
fsr-3326	351	6	,	,	PUNCT
fsr-3326	351	7	a.	a.	NOUN
fsr-3326	351	8	,	,	PUNCT
fsr-3326	351	9	hackethal	hackethal	NOUN
fsr-3326	351	10	,	,	PUNCT
fsr-3326	351	11	a.	a.	PROPN
fsr-3326	351	12	,	,	PUNCT
fsr-3326	351	13	&	&	CCONJ
fsr-3326	351	14	mueller	mueller	PROPN
fsr-3326	351	15	,	,	PUNCT
fsr-3326	351	16	a.	a.	PROPN
fsr-3326	351	17	(	(	PUNCT
fsr-3326	351	18	2008	2008	NUM
fsr-3326	351	19	)	)	PUNCT
fsr-3326	351	20	.	.	PUNCT
fsr-3326	352	1	financial	financial	ADJ
fsr-3326	352	2	advice	advice	NOUN
fsr-3326	352	3	and	and	CCONJ
fsr-3326	352	4	individual	individual	ADJ
fsr-3326	352	5	investors	investor	NOUN
fsr-3326	352	6	'	'	PART
fsr-3326	352	7	portfolios	portfolio	NOUN
fsr-3326	352	8	.	.	PUNCT
fsr-3326	353	1	available	available	ADJ
fsr-3326	353	2	at	at	ADP
fsr-3326	353	3	ssrn	ssrn	PROPN
fsr-3326	353	4	968197	968197	NUM
fsr-3326	353	5	.	.	PUNCT
fsr-3326	354	1	bluethgen	bluethgen	PROPN
fsr-3326	354	2	,	,	PUNCT
fsr-3326	354	3	r.	r.	PROPN
fsr-3326	354	4	,	,	PUNCT
fsr-3326	354	5	meyer	meyer	PROPN
fsr-3326	354	6	,	,	PUNCT
fsr-3326	354	7	s.	s.	PROPN
fsr-3326	354	8	,	,	PUNCT
fsr-3326	354	9	&	&	CCONJ
fsr-3326	354	10	hackethal	hackethal	PROPN
fsr-3326	354	11	,	,	PUNCT
fsr-3326	354	12	a.	a.	NOUN
fsr-3326	354	13	(	(	PUNCT
fsr-3326	354	14	2008	2008	NUM
fsr-3326	354	15	)	)	PUNCT
fsr-3326	354	16	.	.	PUNCT
fsr-3326	355	1	high	high	ADJ
fsr-3326	355	2	-	-	PUNCT
fsr-3326	355	3	quality	quality	NOUN
fsr-3326	355	4	financial	financial	ADJ
fsr-3326	355	5	advice	advice	NOUN
fsr-3326	355	6	wanted	want	VERB
fsr-3326	355	7	!	!	PUNCT
fsr-3326	355	8	.	.	PUNCT
fsr-3326	356	1	available	available	ADJ
fsr-3326	356	2	at	at	ADP
fsr-3326	356	3	ssrn	ssrn	PROPN
fsr-3326	356	4	1102445	1102445	NUM
fsr-3326	356	5	.	.	PUNCT
fsr-3326	357	1	bodnaruk	bodnaruk	NOUN
fsr-3326	357	2	,	,	PUNCT
fsr-3326	357	3	a.	a.	PROPN
fsr-3326	357	4	,	,	PUNCT
fsr-3326	357	5	&	&	CCONJ
fsr-3326	357	6	simonov	simonov	PROPN
fsr-3326	357	7	,	,	PUNCT
fsr-3326	357	8	a.	a.	NOUN
fsr-3326	357	9	(	(	PUNCT
fsr-3326	357	10	2015	2015	NUM
fsr-3326	357	11	)	)	PUNCT
fsr-3326	357	12	.	.	PUNCT
fsr-3326	358	1	do	do	AUX
fsr-3326	358	2	financial	financial	ADJ
fsr-3326	358	3	experts	expert	NOUN
fsr-3326	358	4	make	make	VERB
fsr-3326	358	5	better	well	ADJ
fsr-3326	358	6	investment	investment	NOUN
fsr-3326	358	7	decisions	decision	NOUN
fsr-3326	358	8	?	?	PUNCT
fsr-3326	358	9	.	.	PUNCT
fsr-3326	359	1	journal	journal	PROPN
fsr-3326	359	2	of	of	ADP
fsr-3326	359	3	financial	financial	ADJ
fsr-3326	359	4	intermediation	intermediation	NOUN
fsr-3326	359	5	,	,	PUNCT
fsr-3326	359	6	24(4	24(4	NUM
fsr-3326	359	7	)	)	PUNCT
fsr-3326	359	8	,	,	PUNCT
fsr-3326	359	9	514	514	NUM
fsr-3326	359	10	-	-	SYM
fsr-3326	359	11	536	536	NUM
fsr-3326	359	12	.	.	PUNCT
fsr-3326	360	1	boisclair	boisclair	NOUN
fsr-3326	360	2	,	,	PUNCT
fsr-3326	360	3	d.	d.	PROPN
fsr-3326	360	4	,	,	PUNCT
fsr-3326	360	5	lusardi	lusardi	PROPN
fsr-3326	360	6	,	,	PUNCT
fsr-3326	360	7	a.	a.	PROPN
fsr-3326	360	8	,	,	PUNCT
fsr-3326	360	9	&	&	CCONJ
fsr-3326	360	10	michaud	michaud	PROPN
fsr-3326	360	11	,	,	PUNCT
fsr-3326	360	12	p.-c	p.-c	PROPN
fsr-3326	360	13	.	.	PUNCT
fsr-3326	361	1	(	(	PUNCT
fsr-3326	361	2	2017	2017	NUM
fsr-3326	361	3	)	)	PUNCT
fsr-3326	361	4	.	.	PUNCT
fsr-3326	362	1	financial	financial	ADJ
fsr-3326	362	2	literacy	literacy	NOUN
fsr-3326	362	3	and	and	CCONJ
fsr-3326	362	4	retirement	retirement	NOUN
fsr-3326	362	5	planning	planning	NOUN
fsr-3326	362	6	in	in	ADP
fsr-3326	362	7	canada	canada	PROPN
fsr-3326	362	8	.	.	PUNCT
fsr-3326	363	1	journal	journal	PROPN
fsr-3326	363	2	of	of	ADP
fsr-3326	363	3	pension	pension	NOUN
fsr-3326	363	4	economics	economic	NOUN
fsr-3326	363	5	&	&	CCONJ
fsr-3326	363	6	finance	finance	PROPN
fsr-3326	363	7	,	,	PUNCT
fsr-3326	363	8	16(3	16(3	PROPN
fsr-3326	363	9	)	)	PUNCT
fsr-3326	363	10	,	,	PUNCT
fsr-3326	363	11	277	277	NUM
fsr-3326	363	12	-	-	SYM
fsr-3326	363	13	296	296	NUM
fsr-3326	363	14	.	.	PUNCT
fsr-3326	364	1	bolton	bolton	PROPN
fsr-3326	364	2	,	,	PUNCT
fsr-3326	364	3	p.	p.	NOUN
fsr-3326	364	4	,	,	PUNCT
fsr-3326	364	5	freixas	freixas	PROPN
fsr-3326	364	6	,	,	PUNCT
fsr-3326	364	7	x.	x.	NOUN
fsr-3326	364	8	,	,	PUNCT
fsr-3326	364	9	&	&	CCONJ
fsr-3326	364	10	shapiro	shapiro	PROPN
fsr-3326	364	11	,	,	PUNCT
fsr-3326	364	12	j.	j.	PROPN
fsr-3326	364	13	(	(	PUNCT
fsr-3326	364	14	2007	2007	NUM
fsr-3326	364	15	)	)	PUNCT
fsr-3326	364	16	.	.	PUNCT
fsr-3326	365	1	conflicts	conflict	NOUN
fsr-3326	365	2	of	of	ADP
fsr-3326	365	3	interest	interest	NOUN
fsr-3326	365	4	,	,	PUNCT
fsr-3326	365	5	information	information	NOUN
fsr-3326	365	6	provision	provision	NOUN
fsr-3326	365	7	,	,	PUNCT
fsr-3326	365	8	and	and	CCONJ
fsr-3326	365	9	competition	competition	NOUN
fsr-3326	365	10	in	in	ADP
fsr-3326	365	11	the	the	DET
fsr-3326	365	12	financial	financial	ADJ
fsr-3326	365	13	services	service	NOUN
fsr-3326	365	14	review	review	NOUN
fsr-3326	365	15	,	,	PUNCT
fsr-3326	365	16	32(3	32(3	NUM
fsr-3326	365	17	)	)	PUNCT
fsr-3326	365	18	47	47	NUM
fsr-3326	365	19	financial	financial	ADJ
fsr-3326	365	20	services	service	NOUN
fsr-3326	365	21	industry	industry	NOUN
fsr-3326	365	22	.	.	PUNCT
fsr-3326	366	1	journal	journal	PROPN
fsr-3326	366	2	of	of	ADP
fsr-3326	366	3	financial	financial	ADJ
fsr-3326	366	4	economics	economic	NOUN
fsr-3326	366	5	,	,	PUNCT
fsr-3326	366	6	85(2	85(2	NUM
fsr-3326	366	7	)	)	PUNCT
fsr-3326	366	8	,	,	PUNCT
fsr-3326	366	9	297	297	NUM
fsr-3326	366	10	-	-	SYM
fsr-3326	366	11	330	330	NUM
fsr-3326	366	12	.	.	PUNCT
fsr-3326	367	1	bruhn	bruhn	NOUN
fsr-3326	367	2	,	,	PUNCT
fsr-3326	367	3	a.	a.	PROPN
fsr-3326	367	4	,	,	PUNCT
fsr-3326	367	5	&	&	CCONJ
fsr-3326	367	6	miller	miller	PROPN
fsr-3326	367	7	,	,	PUNCT
fsr-3326	367	8	m.	m.	NOUN
fsr-3326	367	9	(	(	PUNCT
fsr-3326	367	10	2014	2014	NUM
fsr-3326	367	11	)	)	PUNCT
fsr-3326	367	12	.	.	PUNCT
fsr-3326	368	1	lessons	lesson	NOUN
fsr-3326	368	2	about	about	ADP
fsr-3326	368	3	best	good	ADJ
fsr-3326	368	4	interests	interest	NOUN
fsr-3326	368	5	duty	duty	NOUN
fsr-3326	368	6	.	.	PUNCT
fsr-3326	369	1	australasian	australasian	ADJ
fsr-3326	369	2	accounting	accounting	NOUN
fsr-3326	369	3	business	business	PROPN
fsr-3326	369	4	&	&	CCONJ
fsr-3326	369	5	finance	finance	PROPN
fsr-3326	369	6	journal	journal	PROPN
fsr-3326	369	7	,	,	PUNCT
fsr-3326	369	8	8(4	8(4	NUM
fsr-3326	369	9	)	)	PUNCT
fsr-3326	369	10	,	,	PUNCT
fsr-3326	369	11	23	23	NUM
fsr-3326	369	12	-	-	SYM
fsr-3326	369	13	43	43	NUM
fsr-3326	369	14	.	.	PUNCT
fsr-3326	370	1	burke	burke	PROPN
fsr-3326	370	2	,	,	PUNCT
fsr-3326	370	3	j.	j.	PROPN
fsr-3326	370	4	,	,	PUNCT
fsr-3326	370	5	hung	hung	PROPN
fsr-3326	370	6	,	,	PUNCT
fsr-3326	370	7	a.	a.	NOUN
fsr-3326	370	8	,	,	PUNCT
fsr-3326	370	9	clift	clift	PROPN
fsr-3326	370	10	,	,	PUNCT
fsr-3326	370	11	j.	j.	PROPN
fsr-3326	370	12	,	,	PUNCT
fsr-3326	370	13	garber	garber	PROPN
fsr-3326	370	14	,	,	PUNCT
fsr-3326	370	15	s.	s.	PROPN
fsr-3326	370	16	,	,	PUNCT
fsr-3326	370	17	&	&	CCONJ
fsr-3326	370	18	yoong	yoong	PROPN
fsr-3326	370	19	,	,	PUNCT
fsr-3326	370	20	j.	j.	PROPN
fsr-3326	370	21	(	(	PUNCT
fsr-3326	370	22	2015	2015	NUM
fsr-3326	370	23	)	)	PUNCT
fsr-3326	370	24	.	.	PUNCT
fsr-3326	371	1	impacts	impact	NOUN
fsr-3326	371	2	of	of	ADP
fsr-3326	371	3	conflicts	conflict	NOUN
fsr-3326	371	4	of	of	ADP
fsr-3326	371	5	interest	interest	NOUN
fsr-3326	371	6	in	in	ADP
fsr-3326	371	7	the	the	DET
fsr-3326	371	8	financial	financial	ADJ
fsr-3326	371	9	services	service	NOUN
fsr-3326	371	10	industry	industry	NOUN
fsr-3326	371	11	.	.	PUNCT
fsr-3326	372	1	working	work	VERB
fsr-3326	372	2	paper	paper	PROPN
fsr-3326	372	3	series	series	PROPN
fsr-3326	372	4	no	no	PROPN
fsr-3326	372	5	.	.	PUNCT
fsr-3326	373	1	wr1076	wr1076	PROPN
fsr-3326	373	2	,	,	PUNCT
fsr-3326	373	3	rand	rand	NOUN
fsr-3326	373	4	labor	labor	NOUN
fsr-3326	373	5	and	and	CCONJ
fsr-3326	373	6	population	population	NOUN
fsr-3326	373	7	,	,	PUNCT
fsr-3326	373	8	santa	santa	PROPN
fsr-3326	373	9	monica	monica	PROPN
fsr-3326	373	10	,	,	PUNCT
fsr-3326	373	11	ca	ca	PROPN
fsr-3326	373	12	.	.	PUNCT
fsr-3326	374	1	burke	burke	PROPN
fsr-3326	374	2	,	,	PUNCT
fsr-3326	374	3	j.	j.	PROPN
fsr-3326	374	4	,	,	PUNCT
fsr-3326	374	5	&	&	CCONJ
fsr-3326	374	6	hung	hung	PROPN
fsr-3326	374	7	,	,	PUNCT
fsr-3326	374	8	a.	a.	NOUN
fsr-3326	374	9	a.	a.	NOUN
fsr-3326	374	10	(	(	PUNCT
fsr-3326	374	11	2021	2021	NUM
fsr-3326	374	12	)	)	PUNCT
fsr-3326	374	13	.	.	PUNCT
fsr-3326	375	1	trust	trust	NOUN
fsr-3326	375	2	and	and	CCONJ
fsr-3326	375	3	financial	financial	ADJ
fsr-3326	375	4	advice	advice	NOUN
fsr-3326	375	5	.	.	PUNCT
fsr-3326	376	1	journal	journal	NOUN
fsr-3326	376	2	of	of	ADP
fsr-3326	376	3	pension	pension	NOUN
fsr-3326	376	4	economics	economic	NOUN
fsr-3326	376	5	&	&	CCONJ
fsr-3326	376	6	finance	finance	NOUN
fsr-3326	376	7	,	,	PUNCT
fsr-3326	376	8	20(1	20(1	NUM
fsr-3326	376	9	)	)	PUNCT
fsr-3326	376	10	,	,	PUNCT
fsr-3326	376	11	9	9	NUM
fsr-3326	376	12	-	-	SYM
fsr-3326	376	13	26	26	NUM
fsr-3326	376	14	.	.	PUNCT
fsr-3326	377	1	calcagno	calcagno	PROPN
fsr-3326	377	2	,	,	PUNCT
fsr-3326	377	3	r.	r.	PROPN
fsr-3326	377	4	,	,	PUNCT
fsr-3326	377	5	giofré	giofré	NOUN
fsr-3326	377	6	,	,	PUNCT
fsr-3326	377	7	m.	m.	NOUN
fsr-3326	377	8	,	,	PUNCT
fsr-3326	377	9	&	&	CCONJ
fsr-3326	377	10	urzì	urzì	PROPN
fsr-3326	377	11	-	-	PUNCT
fsr-3326	377	12	brancati	brancati	NOUN
fsr-3326	377	13	,	,	PUNCT
fsr-3326	377	14	m.	m.	NOUN
fsr-3326	377	15	c.	c.	PROPN
fsr-3326	377	16	(	(	PUNCT
fsr-3326	377	17	2017	2017	NUM
fsr-3326	377	18	)	)	PUNCT
fsr-3326	377	19	.	.	PUNCT
fsr-3326	378	1	to	to	PART
fsr-3326	378	2	trust	trust	VERB
fsr-3326	378	3	is	be	AUX
fsr-3326	378	4	good	good	ADJ
fsr-3326	378	5	,	,	PUNCT
fsr-3326	378	6	but	but	CCONJ
fsr-3326	378	7	to	to	PART
fsr-3326	378	8	control	control	NOUN
fsr-3326	378	9	is	be	AUX
fsr-3326	378	10	better	well	ADJ
fsr-3326	378	11	:	:	PUNCT
fsr-3326	378	12	how	how	SCONJ
fsr-3326	378	13	investors	investor	NOUN
fsr-3326	378	14	discipline	discipline	VERB
fsr-3326	378	15	financial	financial	ADJ
fsr-3326	378	16	advisors	advisor	NOUN
fsr-3326	378	17	’	'	PUNCT
fsr-3326	378	18	activity	activity	NOUN
fsr-3326	378	19	.	.	PUNCT
fsr-3326	379	1	journal	journal	NOUN
fsr-3326	379	2	of	of	ADP
fsr-3326	379	3	economic	economic	ADJ
fsr-3326	379	4	behavior	behavior	NOUN
fsr-3326	379	5	&	&	CCONJ
fsr-3326	379	6	organization	organization	PROPN
fsr-3326	379	7	,	,	PUNCT
fsr-3326	379	8	140	140	NUM
fsr-3326	379	9	,	,	PUNCT
fsr-3326	379	10	287	287	NUM
fsr-3326	379	11	-	-	SYM
fsr-3326	379	12	316	316	NUM
fsr-3326	379	13	.	.	PUNCT
fsr-3326	380	1	certified	certify	VERB
fsr-3326	380	2	financial	financial	ADJ
fsr-3326	380	3	planner	planner	NOUN
fsr-3326	380	4	board	board	NOUN
fsr-3326	380	5	of	of	ADP
fsr-3326	380	6	standards	standard	NOUN
fsr-3326	380	7	.	.	PUNCT
fsr-3326	381	1	(	(	PUNCT
fsr-3326	381	2	2017	2017	NUM
fsr-3326	381	3	)	)	PUNCT
fsr-3326	381	4	.	.	PUNCT
fsr-3326	382	1	consumer	consumer	NOUN
fsr-3326	382	2	guide	guide	NOUN
fsr-3326	382	3	to	to	ADP
fsr-3326	382	4	financial	financial	ADJ
fsr-3326	382	5	planning	planning	NOUN
fsr-3326	382	6	.	.	PUNCT
fsr-3326	383	1	available	available	ADJ
fsr-3326	383	2	at	at	ADP
fsr-3326	383	3	:	:	PUNCT
fsr-3326	383	4	https://www.cfp.net/docs/defaultsource/consumeroutreach/cfpboard_consumer_guide_to	https://www.cfp.net/docs/defaultsource/consumeroutreach/cfpboard_consumer_guide_to	NOUN
fsr-3326	383	5	_	_	SYM
fsr-3326	383	6	financial_planning.pdf?sfvrsn=14	financial_planning.pdf?sfvrsn=14	NOUN
fsr-3326	383	7	.	.	PUNCT
fsr-3326	384	1	accessed	access	VERB
fsr-3326	384	2	on	on	ADP
fsr-3326	384	3	september	september	PROPN
fsr-3326	384	4	20	20	NUM
fsr-3326	384	5	,	,	PUNCT
fsr-3326	384	6	2023	2023	NUM
fsr-3326	384	7	.	.	PUNCT
fsr-3326	385	1	certified	certify	VERB
fsr-3326	385	2	financial	financial	ADJ
fsr-3326	385	3	planner	planner	NOUN
fsr-3326	385	4	board	board	NOUN
fsr-3326	385	5	of	of	ADP
fsr-3326	385	6	standards	standard	NOUN
fsr-3326	385	7	.	.	PUNCT
fsr-3326	386	1	(	(	PUNCT
fsr-3326	386	2	2018	2018	NUM
fsr-3326	386	3	)	)	PUNCT
fsr-3326	386	4	.	.	PUNCT
fsr-3326	387	1	code	code	NOUN
fsr-3326	387	2	of	of	ADP
fsr-3326	387	3	ethics	ethic	NOUN
fsr-3326	387	4	and	and	CCONJ
fsr-3326	387	5	standards	standard	NOUN
fsr-3326	387	6	of	of	ADP
fsr-3326	387	7	conduct	conduct	NOUN
fsr-3326	387	8	.	.	PUNCT
fsr-3326	388	1	available	available	ADJ
fsr-3326	388	2	at	at	ADP
fsr-3326	388	3	:	:	PUNCT
fsr-3326	388	4	https://www.cfp.net/-/media/files/cfpboard/standards-and-ethics/cfp-codeandstandards.pdf?la=en&hash=afc0087b5	https://www.cfp.net/-/media/files/cfpboard/standards-and-ethics/cfp-codeandstandards.pdf?la=en&hash=afc0087b5	NOUN
fsr-3326	388	5	3ede26b2a478bd84df7dda3	3ede26b2a478bd84df7dda3	NUM
fsr-3326	388	6	.	.	PUNCT
fsr-3326	389	1	accessed	access	VERB
fsr-3326	389	2	on	on	ADP
fsr-3326	389	3	september	september	PROPN
fsr-3326	389	4	20	20	NUM
fsr-3326	389	5	,	,	PUNCT
fsr-3326	389	6	2023	2023	NUM
fsr-3326	389	7	.	.	PUNCT
fsr-3326	390	1	certified	certify	VERB
fsr-3326	390	2	financial	financial	ADJ
fsr-3326	390	3	planner	planner	NOUN
fsr-3326	390	4	board	board	NOUN
fsr-3326	390	5	of	of	ADP
fsr-3326	390	6	standards	standard	NOUN
fsr-3326	390	7	.	.	PUNCT
fsr-3326	391	1	(	(	PUNCT
fsr-3326	391	2	2023	2023	NUM
fsr-3326	391	3	)	)	PUNCT
fsr-3326	391	4	.	.	PUNCT
fsr-3326	392	1	2023	2023	NUM
fsr-3326	392	2	cfp	cfp	PROPN
fsr-3326	392	3	board	board	NOUN
fsr-3326	392	4	consumer	consumer	NOUN
fsr-3326	392	5	sentiment	sentiment	NOUN
fsr-3326	392	6	survey	survey	NOUN
fsr-3326	392	7	–	–	PUNCT
fsr-3326	392	8	cost	cost	NOUN
fsr-3326	392	9	of	of	ADP
fsr-3326	392	10	living	living	NOUN
fsr-3326	392	11	.	.	PUNCT
fsr-3326	393	1	available	available	ADJ
fsr-3326	393	2	at	at	ADP
fsr-3326	393	3	:	:	PUNCT
fsr-3326	393	4	https://www.cfp.net/knowledge/reportsand-statistics/consumer-surveys/2023cfp-board-consumer-sentiment-surveycost-of-living	https://www.cfp.net/knowledge/reportsand-statistics/consumer-surveys/2023cfp-board-consumer-sentiment-surveycost-of-live	VERB
fsr-3326	393	5	.	.	PROPN
fsr-3326	394	1	accessed	access	VERB
fsr-3326	394	2	on	on	ADP
fsr-3326	394	3	september	september	PROPN
fsr-3326	394	4	20	20	NUM
fsr-3326	394	5	,	,	PUNCT
fsr-3326	394	6	2023	2023	NUM
fsr-3326	394	7	.	.	PUNCT
fsr-3326	395	1	chalmers	chalmers	PROPN
fsr-3326	395	2	,	,	PUNCT
fsr-3326	395	3	j.	j.	PROPN
fsr-3326	395	4	,	,	PUNCT
fsr-3326	395	5	&	&	CCONJ
fsr-3326	395	6	reuter	reuter	PROPN
fsr-3326	395	7	,	,	PUNCT
fsr-3326	395	8	j.	j.	PROPN
fsr-3326	395	9	(	(	PUNCT
fsr-3326	395	10	2020	2020	NUM
fsr-3326	395	11	)	)	PUNCT
fsr-3326	395	12	.	.	PUNCT
fsr-3326	396	1	is	be	AUX
fsr-3326	396	2	conflicted	conflict	VERB
fsr-3326	396	3	investment	investment	NOUN
fsr-3326	396	4	advice	advice	NOUN
fsr-3326	396	5	better	well	ADJ
fsr-3326	396	6	than	than	ADP
fsr-3326	396	7	no	no	DET
fsr-3326	396	8	advice	advice	NOUN
fsr-3326	396	9	?	?	PUNCT
fsr-3326	397	1	journal	journal	NOUN
fsr-3326	397	2	of	of	ADP
fsr-3326	397	3	financial	financial	ADJ
fsr-3326	397	4	economics	economic	NOUN
fsr-3326	397	5	,	,	PUNCT
fsr-3326	397	6	138(2	138(2	NUM
fsr-3326	397	7	)	)	PUNCT
fsr-3326	397	8	,	,	PUNCT
fsr-3326	397	9	366	366	NUM
fsr-3326	397	10	-	-	SYM
fsr-3326	397	11	387	387	NUM
fsr-3326	397	12	.	.	PUNCT
fsr-3326	397	13	chatterjee	chatterjee	PROPN
fsr-3326	397	14	,	,	PUNCT
fsr-3326	397	15	s.	s.	PROPN
fsr-3326	397	16	,	,	PUNCT
fsr-3326	397	17	&	&	CCONJ
fsr-3326	397	18	lu	lu	PROPN
fsr-3326	397	19	,	,	PUNCT
fsr-3326	397	20	f.	f.	PROPN
fsr-3326	397	21	(	(	PUNCT
fsr-3326	397	22	2023	2023	NUM
fsr-3326	397	23	)	)	PUNCT
fsr-3326	397	24	.	.	PUNCT
fsr-3326	398	1	surviving	survive	VERB
fsr-3326	398	2	in	in	ADP
fsr-3326	398	3	financial	financial	ADJ
fsr-3326	398	4	advice	advice	NOUN
fsr-3326	398	5	deserts	desert	NOUN
fsr-3326	398	6	:	:	PUNCT
fsr-3326	398	7	limited	limited	ADJ
fsr-3326	398	8	access	access	NOUN
fsr-3326	398	9	to	to	ADP
fsr-3326	398	10	financial	financial	ADJ
fsr-3326	398	11	advice	advice	NOUN
fsr-3326	398	12	and	and	CCONJ
fsr-3326	398	13	retirement	retirement	NOUN
fsr-3326	398	14	planning	planning	NOUN
fsr-3326	398	15	behavior	behavior	NOUN
fsr-3326	398	16	.	.	PUNCT
fsr-3326	399	1	the	the	DET
fsr-3326	399	2	international	international	ADJ
fsr-3326	399	3	journal	journal	NOUN
fsr-3326	399	4	of	of	ADP
fsr-3326	399	5	bank	bank	PROPN
fsr-3326	399	6	marketing	marketing	NOUN
fsr-3326	399	7	,	,	PUNCT
fsr-3326	399	8	41(1	41(1	NUM
fsr-3326	399	9	)	)	PUNCT
fsr-3326	399	10	,	,	PUNCT
fsr-3326	399	11	70106	70106	NUM
fsr-3326	399	12	.	.	PUNCT
fsr-3326	400	1	https://doi.org/https://doi.org/10.1108/ij	https://doi.org/https://doi.org/10.1108/ij	NOUN
fsr-3326	400	2	bm-01	bm-01	X
fsr-3326	400	3	-	-	SYM
fsr-3326	400	4	2022	2022	NUM
fsr-3326	400	5	-	-	PUNCT
fsr-3326	400	6	0022	0022	NUM
fsr-3326	400	7	chen	chen	PROPN
fsr-3326	400	8	,	,	PUNCT
fsr-3326	400	9	p.	p.	PROPN
fsr-3326	400	10	,	,	PUNCT
fsr-3326	400	11	&	&	CCONJ
fsr-3326	400	12	richardson	richardson	PROPN
fsr-3326	400	13	,	,	PUNCT
fsr-3326	400	14	m.	m.	NOUN
fsr-3326	400	15	(	(	PUNCT
fsr-3326	400	16	2018	2018	NUM
fsr-3326	400	17	)	)	PUNCT
fsr-3326	400	18	.	.	PUNCT
fsr-3326	401	1	conflicted	conflicted	ADJ
fsr-3326	401	2	financial	financial	ADJ
fsr-3326	401	3	advice	advice	NOUN
fsr-3326	401	4	:	:	PUNCT
fsr-3326	401	5	disclosure	disclosure	NOUN
fsr-3326	401	6	revisited	revisit	VERB
fsr-3326	401	7	.	.	PUNCT
fsr-3326	402	1	applied	apply	VERB
fsr-3326	402	2	economics	economic	NOUN
fsr-3326	402	3	letters	letter	NOUN
fsr-3326	402	4	,	,	PUNCT
fsr-3326	402	5	25(12	25(12	NUM
fsr-3326	402	6	)	)	PUNCT
fsr-3326	402	7	,	,	PUNCT
fsr-3326	402	8	826	826	NUM
fsr-3326	402	9	-	-	SYM
fsr-3326	402	10	829	829	NUM
fsr-3326	402	11	.	.	PUNCT
fsr-3326	403	1	chen	chen	PROPN
fsr-3326	403	2	,	,	PUNCT
fsr-3326	403	3	p.	p.	PROPN
fsr-3326	403	4	,	,	PUNCT
fsr-3326	403	5	&	&	CCONJ
fsr-3326	403	6	richardson	richardson	PROPN
fsr-3326	403	7	,	,	PUNCT
fsr-3326	403	8	m.	m.	NOUN
fsr-3326	403	9	(	(	PUNCT
fsr-3326	403	10	2019	2019	NUM
fsr-3326	403	11	)	)	PUNCT
fsr-3326	403	12	.	.	PUNCT
fsr-3326	404	1	conflict	conflict	NOUN
fsr-3326	404	2	of	of	ADP
fsr-3326	404	3	interest	interest	NOUN
fsr-3326	404	4	,	,	PUNCT
fsr-3326	404	5	disclosure	disclosure	NOUN
fsr-3326	404	6	and	and	CCONJ
fsr-3326	404	7	vertical	vertical	ADJ
fsr-3326	404	8	relationships	relationship	NOUN
fsr-3326	404	9	:	:	PUNCT
fsr-3326	404	10	an	an	DET
fsr-3326	404	11	experimental	experimental	ADJ
fsr-3326	404	12	analysis	analysis	NOUN
fsr-3326	404	13	.	.	PUNCT
fsr-3326	405	1	economic	economic	ADJ
fsr-3326	405	2	papers	paper	NOUN
fsr-3326	405	3	:	:	PUNCT
fsr-3326	405	4	a	a	DET
fsr-3326	405	5	journal	journal	NOUN
fsr-3326	405	6	of	of	ADP
fsr-3326	405	7	applied	apply	VERB
fsr-3326	405	8	economics	economic	NOUN
fsr-3326	405	9	and	and	CCONJ
fsr-3326	405	10	policy	policy	NOUN
fsr-3326	405	11	,	,	PUNCT
fsr-3326	405	12	38(3	38(3	NUM
fsr-3326	405	13	)	)	PUNCT
fsr-3326	405	14	,	,	PUNCT
fsr-3326	405	15	167-181.cheng	167-181.cheng	NUM
fsr-3326	405	16	,	,	PUNCT
fsr-3326	405	17	y.	y.	PROPN
fsr-3326	405	18	,	,	PUNCT
fsr-3326	405	19	&	&	CCONJ
fsr-3326	405	20	kalenkoski	kalenkoski	PROPN
fsr-3326	405	21	,	,	PUNCT
fsr-3326	405	22	c.	c.	PROPN
fsr-3326	405	23	m.	m.	NOUN
fsr-3326	405	24	(	(	PUNCT
fsr-3326	405	25	2018	2018	NUM
fsr-3326	405	26	)	)	PUNCT
fsr-3326	405	27	.	.	PUNCT
fsr-3326	406	1	lost	lose	VERB
fsr-3326	406	2	in	in	ADP
fsr-3326	406	3	fees	fee	NOUN
fsr-3326	406	4	:	:	PUNCT
fsr-3326	406	5	an	an	DET
fsr-3326	406	6	analysis	analysis	NOUN
fsr-3326	406	7	of	of	ADP
fsr-3326	406	8	financial	financial	ADJ
fsr-3326	406	9	planning	planning	NOUN
fsr-3326	406	10	compensation	compensation	NOUN
fsr-3326	406	11	.	.	PUNCT
fsr-3326	407	1	the	the	DET
fsr-3326	407	2	journal	journal	NOUN
fsr-3326	407	3	of	of	ADP
fsr-3326	407	4	wealth	wealth	NOUN
fsr-3326	407	5	management	management	NOUN
fsr-3326	407	6	,	,	PUNCT
fsr-3326	407	7	20(4	20(4	NOUN
fsr-3326	407	8	)	)	PUNCT
fsr-3326	407	9	,	,	PUNCT
fsr-3326	407	10	46	46	NUM
fsr-3326	407	11	-	-	SYM
fsr-3326	407	12	54	54	NUM
fsr-3326	407	13	.	.	PUNCT
fsr-3326	408	1	christoffersen	christoffersen	PROPN
fsr-3326	408	2	,	,	PUNCT
fsr-3326	408	3	s.	s.	PROPN
fsr-3326	408	4	e.	e.	PROPN
fsr-3326	408	5	,	,	PUNCT
fsr-3326	408	6	evans	evans	PROPN
fsr-3326	408	7	,	,	PUNCT
fsr-3326	408	8	r.	r.	PROPN
fsr-3326	408	9	,	,	PUNCT
fsr-3326	408	10	&	&	CCONJ
fsr-3326	408	11	musto	musto	PROPN
fsr-3326	408	12	,	,	PUNCT
fsr-3326	408	13	d.	d.	PROPN
fsr-3326	408	14	k.	k.	PROPN
fsr-3326	408	15	(	(	PUNCT
fsr-3326	408	16	2013	2013	NUM
fsr-3326	408	17	)	)	PUNCT
fsr-3326	408	18	.	.	PUNCT
fsr-3326	409	1	what	what	PRON
fsr-3326	409	2	do	do	AUX
fsr-3326	409	3	consumers	consumer	NOUN
fsr-3326	409	4	’	'	PUNCT
fsr-3326	409	5	fund	fund	NOUN
fsr-3326	409	6	flows	flow	NOUN
fsr-3326	409	7	maximize	maximize	VERB
fsr-3326	409	8	?	?	PUNCT
fsr-3326	410	1	evidence	evidence	NOUN
fsr-3326	410	2	from	from	ADP
fsr-3326	410	3	their	their	PRON
fsr-3326	410	4	brokers	broker	NOUN
fsr-3326	410	5	’	'	PUNCT
fsr-3326	410	6	incentives	incentive	NOUN
fsr-3326	410	7	.	.	PUNCT
fsr-3326	411	1	the	the	DET
fsr-3326	411	2	journal	journal	NOUN
fsr-3326	411	3	of	of	ADP
fsr-3326	411	4	finance	finance	NOUN
fsr-3326	411	5	,	,	PUNCT
fsr-3326	411	6	68(1	68(1	NOUN
fsr-3326	411	7	)	)	PUNCT
fsr-3326	411	8	,	,	PUNCT
fsr-3326	411	9	201	201	NUM
fsr-3326	411	10	-	-	SYM
fsr-3326	411	11	235	235	NUM
fsr-3326	411	12	.	.	PUNCT
fsr-3326	412	1	cici	cici	PROPN
fsr-3326	412	2	,	,	PUNCT
fsr-3326	412	3	g.	g.	PROPN
fsr-3326	412	4	,	,	PUNCT
fsr-3326	412	5	kempf	kempf	PROPN
fsr-3326	412	6	,	,	PUNCT
fsr-3326	412	7	a.	a.	PROPN
fsr-3326	412	8	,	,	PUNCT
fsr-3326	412	9	&	&	CCONJ
fsr-3326	412	10	sorhage	sorhage	NOUN
fsr-3326	412	11	,	,	PUNCT
fsr-3326	412	12	c.	c.	NOUN
fsr-3326	412	13	(	(	PUNCT
fsr-3326	412	14	2017	2017	NUM
fsr-3326	412	15	)	)	PUNCT
fsr-3326	412	16	.	.	PUNCT
fsr-3326	413	1	do	do	AUX
fsr-3326	413	2	financial	financial	ADJ
fsr-3326	413	3	advisors	advisor	NOUN
fsr-3326	413	4	provide	provide	VERB
fsr-3326	413	5	tangible	tangible	ADJ
fsr-3326	413	6	benefits	benefit	NOUN
fsr-3326	413	7	for	for	ADP
fsr-3326	413	8	investors	investor	NOUN
fsr-3326	413	9	?	?	PUNCT
fsr-3326	414	1	evidence	evidence	NOUN
fsr-3326	414	2	from	from	ADP
fsr-3326	414	3	tax	tax	NOUN
fsr-3326	414	4	-	-	PUNCT
fsr-3326	414	5	motivated	motivate	VERB
fsr-3326	414	6	mutual	mutual	ADJ
fsr-3326	414	7	fund	fund	NOUN
fsr-3326	414	8	flows	flow	NOUN
fsr-3326	414	9	.	.	PUNCT
fsr-3326	415	1	review	review	NOUN
fsr-3326	415	2	of	of	ADP
fsr-3326	415	3	finance	finance	NOUN
fsr-3326	415	4	,	,	PUNCT
fsr-3326	415	5	21(2	21(2	NUM
fsr-3326	415	6	)	)	PUNCT
fsr-3326	415	7	,	,	PUNCT
fsr-3326	415	8	637	637	NUM
fsr-3326	415	9	-	-	SYM
fsr-3326	415	10	665	665	NUM
fsr-3326	415	11	.	.	PUNCT
fsr-3326	416	1	cloyd	cloyd	PROPN
fsr-3326	416	2	,	,	PUNCT
fsr-3326	416	3	c.	c.	PROPN
fsr-3326	416	4	b.	b.	PROPN
fsr-3326	416	5	(	(	PUNCT
fsr-3326	416	6	1995	1995	NUM
fsr-3326	416	7	)	)	PUNCT
fsr-3326	416	8	.	.	PUNCT
fsr-3326	417	1	prior	prior	ADJ
fsr-3326	417	2	knowledge	knowledge	NOUN
fsr-3326	417	3	,	,	PUNCT
fsr-3326	417	4	information	information	NOUN
fsr-3326	417	5	search	search	NOUN
fsr-3326	417	6	behaviors	behavior	NOUN
fsr-3326	417	7	,	,	PUNCT
fsr-3326	417	8	and	and	CCONJ
fsr-3326	417	9	performance	performance	NOUN
fsr-3326	417	10	in	in	ADP
fsr-3326	417	11	tax	tax	NOUN
fsr-3326	417	12	research	research	NOUN
fsr-3326	417	13	tasks	task	NOUN
fsr-3326	417	14	.	.	PUNCT
fsr-3326	418	1	the	the	DET
fsr-3326	418	2	journal	journal	NOUN
fsr-3326	418	3	of	of	ADP
fsr-3326	418	4	the	the	DET
fsr-3326	418	5	american	american	PROPN
fsr-3326	418	6	taxation	taxation	PROPN
fsr-3326	418	7	association	association	PROPN
fsr-3326	418	8	,	,	PUNCT
fsr-3326	418	9	17	17	NUM
fsr-3326	418	10	,	,	PUNCT
fsr-3326	418	11	82	82	NUM
fsr-3326	418	12	.	.	PUNCT
fsr-3326	418	13	cloyd	cloyd	PROPN
fsr-3326	418	14	,	,	PUNCT
fsr-3326	418	15	c.	c.	PROPN
fsr-3326	418	16	b.	b.	PROPN
fsr-3326	418	17	(	(	PUNCT
fsr-3326	418	18	1997	1997	NUM
fsr-3326	418	19	)	)	PUNCT
fsr-3326	418	20	.	.	PUNCT
fsr-3326	419	1	performance	performance	NOUN
fsr-3326	419	2	in	in	ADP
fsr-3326	419	3	tax	tax	NOUN
fsr-3326	419	4	research	research	NOUN
fsr-3326	419	5	tasks	task	NOUN
fsr-3326	419	6	:	:	PUNCT
fsr-3326	419	7	the	the	DET
fsr-3326	419	8	joint	joint	ADJ
fsr-3326	419	9	effects	effect	NOUN
fsr-3326	419	10	of	of	ADP
fsr-3326	419	11	knowledge	knowledge	NOUN
fsr-3326	419	12	and	and	CCONJ
fsr-3326	419	13	accountability	accountability	NOUN
fsr-3326	419	14	.	.	PUNCT
fsr-3326	420	1	accounting	accounting	NOUN
fsr-3326	420	2	review	review	PROPN
fsr-3326	420	3	,	,	PUNCT
fsr-3326	420	4	111	111	NUM
fsr-3326	420	5	-	-	SYM
fsr-3326	420	6	131	131	NUM
fsr-3326	420	7	.	.	PUNCT
fsr-3326	421	1	cummings	cummings	PROPN
fsr-3326	421	2	,	,	PUNCT
fsr-3326	421	3	b.	b.	PROPN
fsr-3326	421	4	f.	f.	PROPN
fsr-3326	421	5	,	,	PUNCT
fsr-3326	421	6	finke	finke	PROPN
fsr-3326	421	7	,	,	PUNCT
fsr-3326	421	8	m.	m.	NOUN
fsr-3326	421	9	s.	s.	PROPN
fsr-3326	421	10	,	,	PUNCT
fsr-3326	421	11	&	&	CCONJ
fsr-3326	421	12	james	james	PROPN
fsr-3326	421	13	,	,	PUNCT
fsr-3326	421	14	r.	r.	PROPN
fsr-3326	421	15	n.	n.	PROPN
fsr-3326	421	16	(	(	PUNCT
fsr-3326	421	17	2013	2013	NUM
fsr-3326	421	18	)	)	PUNCT
fsr-3326	421	19	.	.	PUNCT
fsr-3326	422	1	bounded	bound	VERB
fsr-3326	422	2	rationality	rationality	NOUN
fsr-3326	422	3	strikes	strike	VERB
fsr-3326	422	4	again	again	ADV
fsr-3326	422	5	:	:	PUNCT
fsr-3326	422	6	the	the	DET
fsr-3326	422	7	impact	impact	NOUN
fsr-3326	422	8	of	of	ADP
fsr-3326	422	9	cognitive	cognitive	ADJ
fsr-3326	422	10	ability	ability	NOUN
fsr-3326	422	11	and	and	CCONJ
fsr-3326	422	12	financial	financial	ADJ
fsr-3326	422	13	planners	planner	NOUN
fsr-3326	422	14	on	on	ADP
fsr-3326	422	15	roth	roth	PROPN
fsr-3326	422	16	ira	ira	PROPN
fsr-3326	422	17	adoption	adoption	NOUN
fsr-3326	422	18	and	and	CCONJ
fsr-3326	422	19	ownership	ownership	NOUN
fsr-3326	422	20	.	.	PUNCT
fsr-3326	423	1	available	available	ADJ
fsr-3326	423	2	at	at	ADP
fsr-3326	423	3	ssrn	ssrn	PROPN
fsr-3326	423	4	1968984	1968984	NUM
fsr-3326	423	5	.	.	PUNCT
fsr-3326	424	1	cupach	cupach	PROPN
fsr-3326	424	2	,	,	PUNCT
fsr-3326	424	3	w.	w.	PROPN
fsr-3326	424	4	r.	r.	PROPN
fsr-3326	424	5	,	,	PUNCT
fsr-3326	424	6	&	&	CCONJ
fsr-3326	424	7	carson	carson	PROPN
fsr-3326	424	8	,	,	PUNCT
fsr-3326	424	9	j.	j.	PROPN
fsr-3326	424	10	m.	m.	PROPN
fsr-3326	424	11	(	(	PUNCT
fsr-3326	424	12	2002	2002	NUM
fsr-3326	424	13	)	)	PUNCT
fsr-3326	424	14	.	.	PUNCT
fsr-3326	425	1	the	the	DET
fsr-3326	425	2	influence	influence	NOUN
fsr-3326	425	3	of	of	ADP
fsr-3326	425	4	compensation	compensation	NOUN
fsr-3326	425	5	on	on	ADP
fsr-3326	425	6	product	product	NOUN
fsr-3326	425	7	recommendations	recommendation	NOUN
fsr-3326	425	8	made	make	VERB
fsr-3326	425	9	by	by	ADP
fsr-3326	425	10	insurance	insurance	NOUN
fsr-3326	425	11	https://www.cfp.net/docs/default-source/consumer-outreach/cfpboard_consumer_guide_to_financial_planning.pdf?sfvrsn=14	https://www.cfp.net/docs/default-source/consumer-outreach/cfpboard_consumer_guide_to_financial_planning.pdf?sfvrsn=14	PROPN
fsr-3326	425	12	https://www.cfp.net/docs/default-source/consumer-outreach/cfpboard_consumer_guide_to_financial_planning.pdf?sfvrsn=14	https://www.cfp.net/docs/default-source/consumer-outreach/cfpboard_consumer_guide_to_financial_planning.pdf?sfvrsn=14	PROPN
fsr-3326	425	13	https://www.cfp.net/docs/default-source/consumer-outreach/cfpboard_consumer_guide_to_financial_planning.pdf?sfvrsn=14	https://www.cfp.net/docs/default-source/consumer-outreach/cfpboard_consumer_guide_to_financial_planning.pdf?sfvrsn=14	PROPN
fsr-3326	425	14	https://www.cfp.net/docs/default-source/consumer-outreach/cfpboard_consumer_guide_to_financial_planning.pdf?sfvrsn=14	https://www.cfp.net/docs/default-source/consumer-outreach/cfpboard_consumer_guide_to_financial_planning.pdf?sfvrsn=14	PROPN
fsr-3326	425	15	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	NUM
fsr-3326	426	1	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	NUM
fsr-3326	427	1	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	NUM
fsr-3326	427	2	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	NOUN
fsr-3326	427	3	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	https://www.cfp.net/-/media/files/cfp-board/standards-and-ethics/cfp-code-and-standards.pdf?la=en&hash=afc0087b53ede26b2a478bd84df7dda3	NOUN
fsr-3326	427	4	https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/2023-cfp-board-consumer-sentiment-survey-cost-of-living	https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/2023-cfp-board-consumer-sentiment-survey-cost-of-living	NOUN
fsr-3326	427	5	https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/2023-cfp-board-consumer-sentiment-survey-cost-of-living	https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/2023-cfp-board-consumer-sentiment-survey-cost-of-live	VERB
fsr-3326	427	6	https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/2023-cfp-board-consumer-sentiment-survey-cost-of-living	https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/2023-cfp-board-consumer-sentiment-survey-cost-of-living	PROPN
fsr-3326	427	7	https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/2023-cfp-board-consumer-sentiment-survey-cost-of-living	https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/2023-cfp-board-consumer-sentiment-survey-cost-of-living	PROPN
fsr-3326	427	8	pilote	pilote	PROPN
fsr-3326	427	9	et	et	PROPN
fsr-3326	427	10	al	al	PROPN
fsr-3326	427	11	.	.	PROPN
fsr-3326	428	1	48	48	NUM
fsr-3326	428	2	agents	agent	NOUN
fsr-3326	428	3	.	.	PUNCT
fsr-3326	429	1	journal	journal	NOUN
fsr-3326	429	2	of	of	ADP
fsr-3326	429	3	business	business	NOUN
fsr-3326	429	4	ethics	ethic	NOUN
fsr-3326	429	5	,	,	PUNCT
fsr-3326	429	6	40(2	40(2	NUM
fsr-3326	429	7	)	)	PUNCT
fsr-3326	429	8	,	,	PUNCT
fsr-3326	429	9	167	167	NUM
fsr-3326	429	10	-	-	SYM
fsr-3326	429	11	176	176	NUM
fsr-3326	429	12	.	.	PUNCT
fsr-3326	430	1	danilov	danilov	PROPN
fsr-3326	430	2	,	,	PUNCT
fsr-3326	430	3	a.	a.	NOUN
fsr-3326	430	4	,	,	PUNCT
fsr-3326	430	5	biemann	biemann	PROPN
fsr-3326	430	6	,	,	PUNCT
fsr-3326	430	7	t.	t.	PROPN
fsr-3326	430	8	,	,	PUNCT
fsr-3326	430	9	kring	kring	PROPN
fsr-3326	430	10	,	,	PUNCT
fsr-3326	430	11	t.	t.	PROPN
fsr-3326	430	12	,	,	PUNCT
fsr-3326	430	13	&	&	CCONJ
fsr-3326	430	14	sliwka	sliwka	PROPN
fsr-3326	430	15	,	,	PUNCT
fsr-3326	430	16	d.	d.	PROPN
fsr-3326	430	17	(	(	PUNCT
fsr-3326	430	18	2013	2013	NUM
fsr-3326	430	19	)	)	PUNCT
fsr-3326	430	20	.	.	PUNCT
fsr-3326	431	1	the	the	DET
fsr-3326	431	2	dark	dark	ADJ
fsr-3326	431	3	side	side	NOUN
fsr-3326	431	4	of	of	ADP
fsr-3326	431	5	team	team	NOUN
fsr-3326	431	6	incentives	incentive	NOUN
fsr-3326	431	7	:	:	PUNCT
fsr-3326	431	8	experimental	experimental	ADJ
fsr-3326	431	9	evidence	evidence	NOUN
fsr-3326	431	10	on	on	ADP
fsr-3326	431	11	advice	advice	NOUN
fsr-3326	431	12	quality	quality	NOUN
fsr-3326	431	13	from	from	ADP
fsr-3326	431	14	financial	financial	ADJ
fsr-3326	431	15	service	service	NOUN
fsr-3326	431	16	professionals	professional	NOUN
fsr-3326	431	17	.	.	PUNCT
fsr-3326	432	1	journal	journal	PROPN
fsr-3326	432	2	of	of	ADP
fsr-3326	432	3	economic	economic	ADJ
fsr-3326	432	4	behavior	behavior	NOUN
fsr-3326	432	5	&	&	CCONJ
fsr-3326	432	6	organization	organization	PROPN
fsr-3326	432	7	,	,	PUNCT
fsr-3326	432	8	93	93	NUM
fsr-3326	432	9	,	,	PUNCT
fsr-3326	432	10	266	266	NUM
fsr-3326	432	11	-	-	SYM
fsr-3326	432	12	272	272	NUM
fsr-3326	432	13	.	.	PUNCT
fsr-3326	433	1	darby	darby	PROPN
fsr-3326	433	2	,	,	PUNCT
fsr-3326	433	3	m.	m.	PROPN
fsr-3326	433	4	r.	r.	PROPN
fsr-3326	433	5	,	,	PUNCT
fsr-3326	433	6	&	&	CCONJ
fsr-3326	433	7	karni	karni	PROPN
fsr-3326	433	8	,	,	PUNCT
fsr-3326	433	9	e.	e.	PROPN
fsr-3326	433	10	(	(	PUNCT
fsr-3326	433	11	1973	1973	NUM
fsr-3326	433	12	)	)	PUNCT
fsr-3326	433	13	.	.	PUNCT
fsr-3326	434	1	free	free	ADJ
fsr-3326	434	2	competition	competition	NOUN
fsr-3326	434	3	and	and	CCONJ
fsr-3326	434	4	the	the	DET
fsr-3326	434	5	optimal	optimal	ADJ
fsr-3326	434	6	amount	amount	NOUN
fsr-3326	434	7	of	of	ADP
fsr-3326	434	8	fraud	fraud	NOUN
fsr-3326	434	9	.	.	PUNCT
fsr-3326	435	1	the	the	DET
fsr-3326	435	2	journal	journal	NOUN
fsr-3326	435	3	of	of	ADP
fsr-3326	435	4	law	law	NOUN
fsr-3326	435	5	and	and	CCONJ
fsr-3326	435	6	economics	economic	NOUN
fsr-3326	435	7	,	,	PUNCT
fsr-3326	435	8	16(1	16(1	NUM
fsr-3326	435	9	)	)	PUNCT
fsr-3326	435	10	,	,	PUNCT
fsr-3326	435	11	67	67	NUM
fsr-3326	435	12	-	-	SYM
fsr-3326	435	13	88	88	NUM
fsr-3326	435	14	.	.	PUNCT
fsr-3326	436	1	dean	dean	PROPN
fsr-3326	436	2	,	,	PUNCT
fsr-3326	436	3	d.	d.	PROPN
fsr-3326	436	4	h.	h.	PROPN
fsr-3326	436	5	(	(	PUNCT
fsr-3326	436	6	2017	2017	NUM
fsr-3326	436	7	)	)	PUNCT
fsr-3326	436	8	.	.	PUNCT
fsr-3326	437	1	the	the	DET
fsr-3326	437	2	benefit	benefit	NOUN
fsr-3326	437	3	of	of	ADP
fsr-3326	437	4	a	a	DET
fsr-3326	437	5	trustworthy	trustworthy	ADJ
fsr-3326	437	6	face	face	NOUN
fsr-3326	437	7	to	to	ADP
fsr-3326	437	8	a	a	DET
fsr-3326	437	9	financial	financial	ADJ
fsr-3326	437	10	services	service	NOUN
fsr-3326	437	11	provider	provider	NOUN
fsr-3326	437	12	.	.	PUNCT
fsr-3326	438	1	journal	journal	PROPN
fsr-3326	438	2	of	of	ADP
fsr-3326	438	3	services	service	NOUN
fsr-3326	438	4	marketing	marketing	NOUN
fsr-3326	438	5	,	,	PUNCT
fsr-3326	438	6	31(7	31(7	NUM
fsr-3326	438	7	)	)	PUNCT
fsr-3326	438	8	,	,	PUNCT
fsr-3326	438	9	771	771	NUM
fsr-3326	438	10	-	-	SYM
fsr-3326	438	11	783	783	NUM
fsr-3326	438	12	.	.	PUNCT
fsr-3326	439	1	deng	deng	PROPN
fsr-3326	439	2	,	,	PUNCT
fsr-3326	439	3	l.	l.	PROPN
fsr-3326	439	4	,	,	PUNCT
fsr-3326	439	5	&	&	CCONJ
fsr-3326	439	6	liu	liu	PROPN
fsr-3326	439	7	,	,	PUNCT
fsr-3326	439	8	z.	z.	PROPN
fsr-3326	439	9	(	(	PUNCT
fsr-3326	439	10	2017	2017	NUM
fsr-3326	439	11	)	)	PUNCT
fsr-3326	439	12	.	.	PUNCT
fsr-3326	440	1	one	one	NUM
fsr-3326	440	2	-	-	PUNCT
fsr-3326	440	3	period	period	NOUN
fsr-3326	440	4	pricing	pricing	NOUN
fsr-3326	440	5	strategy	strategy	NOUN
fsr-3326	440	6	of	of	ADP
fsr-3326	440	7	‘	'	PUNCT
fsr-3326	440	8	money	money	NOUN
fsr-3326	440	9	doctors	doctor	NOUN
fsr-3326	440	10	’	'	PUNCT
fsr-3326	440	11	under	under	ADP
fsr-3326	440	12	cumulative	cumulative	ADJ
fsr-3326	440	13	prospect	prospect	NOUN
fsr-3326	440	14	theory	theory	NOUN
fsr-3326	440	15	.	.	PUNCT
fsr-3326	441	1	portuguese	portuguese	ADJ
fsr-3326	441	2	economic	economic	ADJ
fsr-3326	441	3	journal	journal	PROPN
fsr-3326	441	4	,	,	PUNCT
fsr-3326	441	5	16(2	16(2	NUM
fsr-3326	441	6	)	)	PUNCT
fsr-3326	441	7	,	,	PUNCT
fsr-3326	441	8	113	113	NUM
fsr-3326	441	9	-	-	SYM
fsr-3326	441	10	144	144	NUM
fsr-3326	441	11	.	.	PUNCT
fsr-3326	442	1	direr	direr	PROPN
fsr-3326	442	2	a.	a.	NOUN
fsr-3326	442	3	a.	a.	PROPN
fsr-3326	442	4	,	,	PUNCT
fsr-3326	442	5	&	&	CCONJ
fsr-3326	442	6	visser	visser	PROPN
fsr-3326	442	7	b.	b.	PROPN
fsr-3326	442	8	m.	m.	PROPN
fsr-3326	442	9	(	(	PUNCT
fsr-3326	442	10	2013	2013	NUM
fsr-3326	442	11	)	)	PUNCT
fsr-3326	442	12	.	.	PUNCT
fsr-3326	443	1	portfolio	portfolio	NOUN
fsr-3326	443	2	choice	choice	NOUN
fsr-3326	443	3	and	and	CCONJ
fsr-3326	443	4	financial	financial	ADJ
fsr-3326	443	5	advice	advice	NOUN
fsr-3326	443	6	.	.	PUNCT
fsr-3326	444	1	finance	finance	NOUN
fsr-3326	444	2	,	,	PUNCT
fsr-3326	444	3	34(2	34(2	NUM
fsr-3326	444	4	)	)	PUNCT
fsr-3326	444	5	,	,	PUNCT
fsr-3326	444	6	35	35	NUM
fsr-3326	444	7	-	-	SYM
fsr-3326	444	8	64	64	NUM
fsr-3326	444	9	.	.	PUNCT
fsr-3326	444	10	dulleck	dulleck	NOUN
fsr-3326	444	11	,	,	PUNCT
fsr-3326	444	12	u.	u.	PROPN
fsr-3326	444	13	,	,	PUNCT
fsr-3326	444	14	&	&	CCONJ
fsr-3326	444	15	kerschbamer	kerschbamer	PROPN
fsr-3326	444	16	,	,	PUNCT
fsr-3326	444	17	r.	r.	PROPN
fsr-3326	444	18	(	(	PUNCT
fsr-3326	444	19	2006	2006	NUM
fsr-3326	444	20	)	)	PUNCT
fsr-3326	444	21	.	.	PUNCT
fsr-3326	445	1	on	on	ADP
fsr-3326	445	2	doctors	doctor	NOUN
fsr-3326	445	3	,	,	PUNCT
fsr-3326	445	4	mechanics	mechanic	NOUN
fsr-3326	445	5	,	,	PUNCT
fsr-3326	445	6	and	and	CCONJ
fsr-3326	445	7	computer	computer	NOUN
fsr-3326	445	8	specialists	specialist	NOUN
fsr-3326	445	9	:	:	PUNCT
fsr-3326	445	10	the	the	DET
fsr-3326	445	11	economics	economic	NOUN
fsr-3326	445	12	of	of	ADP
fsr-3326	445	13	credence	credence	NOUN
fsr-3326	445	14	goods	good	NOUN
fsr-3326	445	15	.	.	PUNCT
fsr-3326	446	1	journal	journal	NOUN
fsr-3326	446	2	of	of	ADP
fsr-3326	446	3	economic	economic	ADJ
fsr-3326	446	4	literature	literature	NOUN
fsr-3326	446	5	,	,	PUNCT
fsr-3326	446	6	44(1	44(1	PROPN
fsr-3326	446	7	)	)	PUNCT
fsr-3326	446	8	,	,	PUNCT
fsr-3326	446	9	5	5	NUM
fsr-3326	446	10	-	-	SYM
fsr-3326	446	11	42	42	NUM
fsr-3326	446	12	.	.	PUNCT
fsr-3326	447	1	dulleck	dulleck	NOUN
fsr-3326	447	2	,	,	PUNCT
fsr-3326	447	3	u.	u.	PROPN
fsr-3326	447	4	,	,	PUNCT
fsr-3326	447	5	kerschbamer	kerschbamer	PROPN
fsr-3326	447	6	,	,	PUNCT
fsr-3326	447	7	r.	r.	PROPN
fsr-3326	447	8	,	,	PUNCT
fsr-3326	447	9	&	&	CCONJ
fsr-3326	447	10	sutter	sutter	PROPN
fsr-3326	447	11	,	,	PUNCT
fsr-3326	447	12	m.	m.	NOUN
fsr-3326	447	13	(	(	PUNCT
fsr-3326	447	14	2011	2011	NUM
fsr-3326	447	15	)	)	PUNCT
fsr-3326	447	16	.	.	PUNCT
fsr-3326	448	1	the	the	DET
fsr-3326	448	2	economics	economic	NOUN
fsr-3326	448	3	of	of	ADP
fsr-3326	448	4	credence	credence	NOUN
fsr-3326	448	5	goods	good	NOUN
fsr-3326	448	6	:	:	PUNCT
fsr-3326	448	7	an	an	DET
fsr-3326	448	8	experiment	experiment	NOUN
fsr-3326	448	9	on	on	ADP
fsr-3326	448	10	the	the	DET
fsr-3326	448	11	role	role	NOUN
fsr-3326	448	12	of	of	ADP
fsr-3326	448	13	liability	liability	NOUN
fsr-3326	448	14	,	,	PUNCT
fsr-3326	448	15	verifiability	verifiability	NOUN
fsr-3326	448	16	,	,	PUNCT
fsr-3326	448	17	reputation	reputation	NOUN
fsr-3326	448	18	,	,	PUNCT
fsr-3326	448	19	and	and	CCONJ
fsr-3326	448	20	competition	competition	NOUN
fsr-3326	448	21	.	.	PUNCT
fsr-3326	449	1	american	american	PROPN
fsr-3326	449	2	economic	economic	PROPN
fsr-3326	449	3	review	review	PROPN
fsr-3326	449	4	,	,	PUNCT
fsr-3326	449	5	101(2	101(2	NUM
fsr-3326	449	6	)	)	PUNCT
fsr-3326	449	7	,	,	PUNCT
fsr-3326	449	8	526	526	NUM
fsr-3326	449	9	-	-	SYM
fsr-3326	449	10	555	555	NUM
fsr-3326	449	11	.	.	PUNCT
fsr-3326	450	1	dvorak	dvorak	PROPN
fsr-3326	450	2	,	,	PUNCT
fsr-3326	450	3	t.	t.	PROPN
fsr-3326	450	4	(	(	PUNCT
fsr-3326	450	5	2015	2015	NUM
fsr-3326	450	6	)	)	PUNCT
fsr-3326	450	7	.	.	PUNCT
fsr-3326	451	1	do	do	AUX
fsr-3326	451	2	401k	401k	NOUN
fsr-3326	451	3	plan	plan	NOUN
fsr-3326	451	4	advisors	advisor	NOUN
fsr-3326	451	5	take	take	VERB
fsr-3326	451	6	their	their	PRON
fsr-3326	451	7	own	own	ADJ
fsr-3326	451	8	advice	advice	NOUN
fsr-3326	451	9	?	?	PUNCT
fsr-3326	452	1	journal	journal	NOUN
fsr-3326	452	2	of	of	ADP
fsr-3326	452	3	pension	pension	NOUN
fsr-3326	452	4	economics	economic	NOUN
fsr-3326	452	5	&	&	CCONJ
fsr-3326	452	6	finance	finance	PROPN
fsr-3326	452	7	,	,	PUNCT
fsr-3326	452	8	14(1	14(1	NUM
fsr-3326	452	9	)	)	PUNCT
fsr-3326	452	10	,	,	PUNCT
fsr-3326	452	11	55	55	NUM
fsr-3326	452	12	-	-	SYM
fsr-3326	452	13	75	75	NUM
fsr-3326	452	14	.	.	PUNCT
fsr-3326	453	1	engelmann	engelmann	PROPN
fsr-3326	453	2	,	,	PUNCT
fsr-3326	453	3	j.	j.	PROPN
fsr-3326	453	4	b.	b.	PROPN
fsr-3326	453	5	,	,	PUNCT
fsr-3326	453	6	capra	capra	PROPN
fsr-3326	453	7	,	,	PUNCT
fsr-3326	453	8	c.	c.	PROPN
fsr-3326	453	9	m.	m.	NOUN
fsr-3326	453	10	,	,	PUNCT
fsr-3326	453	11	noussair	noussair	PROPN
fsr-3326	453	12	,	,	PUNCT
fsr-3326	453	13	c.	c.	PROPN
fsr-3326	453	14	,	,	PUNCT
fsr-3326	453	15	&	&	CCONJ
fsr-3326	453	16	berns	berns	PROPN
fsr-3326	453	17	,	,	PUNCT
fsr-3326	453	18	g.	g.	PROPN
fsr-3326	453	19	s.	s.	PROPN
fsr-3326	453	20	(	(	PUNCT
fsr-3326	453	21	2009	2009	NUM
fsr-3326	453	22	)	)	PUNCT
fsr-3326	453	23	.	.	PUNCT
fsr-3326	454	1	expert	expert	ADJ
fsr-3326	454	2	financial	financial	ADJ
fsr-3326	454	3	advice	advice	NOUN
fsr-3326	454	4	neurobiologically	neurobiologically	ADV
fsr-3326	454	5	“	"	PUNCT
fsr-3326	454	6	offloads	offload	NOUN
fsr-3326	454	7	”	"	PUNCT
fsr-3326	454	8	financial	financial	ADJ
fsr-3326	454	9	decision	decision	NOUN
fsr-3326	454	10	-	-	PUNCT
fsr-3326	454	11	making	making	NOUN
fsr-3326	454	12	under	under	ADP
fsr-3326	454	13	risk	risk	NOUN
fsr-3326	454	14	.	.	PUNCT
fsr-3326	455	1	plos	plos	PROPN
fsr-3326	455	2	one	one	NUM
fsr-3326	455	3	,	,	PUNCT
fsr-3326	455	4	4(3	4(3	NUM
fsr-3326	455	5	)	)	PUNCT
fsr-3326	455	6	.	.	PUNCT
fsr-3326	456	1	eriksson	eriksson	PROPN
fsr-3326	456	2	,	,	PUNCT
fsr-3326	456	3	k.	k.	PROPN
fsr-3326	456	4	,	,	PUNCT
fsr-3326	456	5	&	&	CCONJ
fsr-3326	456	6	hermansson	hermansson	PROPN
fsr-3326	456	7	,	,	PUNCT
fsr-3326	456	8	c.	c.	NOUN
fsr-3326	456	9	(	(	PUNCT
fsr-3326	456	10	2019	2019	NUM
fsr-3326	456	11	)	)	PUNCT
fsr-3326	456	12	.	.	PUNCT
fsr-3326	457	1	how	how	SCONJ
fsr-3326	457	2	relationship	relationship	NOUN
fsr-3326	457	3	attributes	attribute	NOUN
fsr-3326	457	4	affect	affect	VERB
fsr-3326	457	5	bank	bank	NOUN
fsr-3326	457	6	customers	customer	NOUN
fsr-3326	457	7	’	'	PUNCT
fsr-3326	457	8	saving	saving	NOUN
fsr-3326	457	9	.	.	PUNCT
fsr-3326	458	1	international	international	ADJ
fsr-3326	458	2	journal	journal	PROPN
fsr-3326	458	3	of	of	ADP
fsr-3326	458	4	bank	bank	PROPN
fsr-3326	458	5	marketing	marketing	NOUN
fsr-3326	458	6	.	.	PUNCT
fsr-3326	459	1	37(1	37(1	NUM
fsr-3326	459	2	)	)	PUNCT
fsr-3326	459	3	,	,	PUNCT
fsr-3326	459	4	156	156	NUM
fsr-3326	459	5	-	-	SYM
fsr-3326	459	6	170	170	NUM
fsr-3326	459	7	.	.	PUNCT
fsr-3326	460	1	fan	fan	PROPN
fsr-3326	460	2	,	,	PUNCT
fsr-3326	460	3	l.	l.	PROPN
fsr-3326	460	4	(	(	PUNCT
fsr-3326	460	5	2021	2021	NUM
fsr-3326	460	6	)	)	PUNCT
fsr-3326	460	7	.	.	PUNCT
fsr-3326	461	1	information	information	NOUN
fsr-3326	461	2	search	search	NOUN
fsr-3326	461	3	,	,	PUNCT
fsr-3326	461	4	financial	financial	ADJ
fsr-3326	461	5	advice	advice	NOUN
fsr-3326	461	6	use	use	NOUN
fsr-3326	461	7	,	,	PUNCT
fsr-3326	461	8	and	and	CCONJ
fsr-3326	461	9	consumer	consumer	NOUN
fsr-3326	461	10	financial	financial	ADJ
fsr-3326	461	11	behavior	behavior	NOUN
fsr-3326	461	12	.	.	PUNCT
fsr-3326	462	1	journal	journal	PROPN
fsr-3326	462	2	of	of	ADP
fsr-3326	462	3	financial	financial	ADJ
fsr-3326	462	4	counseling	counseling	NOUN
fsr-3326	462	5	and	and	CCONJ
fsr-3326	462	6	planning	planning	NOUN
fsr-3326	462	7	.	.	PUNCT
fsr-3326	463	1	32(1	32(1	NUM
fsr-3326	463	2	)	)	PUNCT
fsr-3326	463	3	,	,	PUNCT
fsr-3326	463	4	21	21	NUM
fsr-3326	463	5	-	-	SYM
fsr-3326	463	6	34	34	NUM
fsr-3326	463	7	.	.	PUNCT
fsr-3326	463	8	financial	financial	ADJ
fsr-3326	463	9	consumer	consumer	NOUN
fsr-3326	463	10	agency	agency	NOUN
fsr-3326	463	11	of	of	ADP
fsr-3326	463	12	canada	canada	PROPN
fsr-3326	463	13	.	.	PUNCT
fsr-3326	464	1	(	(	PUNCT
fsr-3326	464	2	2019	2019	NUM
fsr-3326	464	3	)	)	PUNCT
fsr-3326	464	4	.	.	PUNCT
fsr-3326	465	1	canadians	canadian	NOUN
fsr-3326	465	2	and	and	CCONJ
fsr-3326	465	3	their	their	PRON
fsr-3326	465	4	money	money	NOUN
fsr-3326	465	5	:	:	PUNCT
fsr-3326	465	6	key	key	ADJ
fsr-3326	465	7	findings	finding	NOUN
fsr-3326	465	8	from	from	ADP
fsr-3326	465	9	the	the	DET
fsr-3326	465	10	2019	2019	NUM
fsr-3326	465	11	canadian	canadian	ADJ
fsr-3326	465	12	financial	financial	ADJ
fsr-3326	465	13	capability	capability	NOUN
fsr-3326	465	14	survey	survey	NOUN
fsr-3326	465	15	.	.	PUNCT
fsr-3326	466	1	available	available	ADJ
fsr-3326	466	2	at	at	ADP
fsr-3326	466	3	:	:	PUNCT
fsr-3326	466	4	https://www.canada.ca/content/dam/fcac	https://www.canada.ca/content/dam/fcac	ADV
fsr-3326	466	5	-acfc	-acfc	NOUN
fsr-3326	466	6	/	/	SYM
fsr-3326	466	7	documents	document	NOUN
fsr-3326	466	8	/	/	SYM
fsr-3326	466	9	programs	program	NOUN
fsr-3326	466	10	/	/	SYM
fsr-3326	466	11	researchsurveys	researchsurvey	NOUN
fsr-3326	466	12	-	-	PUNCT
fsr-3326	466	13	studies	study	NOUN
fsr-3326	466	14	-	-	PUNCT
fsr-3326	466	15	reports	report	NOUN
fsr-3326	466	16	/	/	SYM
fsr-3326	466	17	canadianfinancial	canadianfinancial	ADJ
fsr-3326	466	18	-	-	PUNCT
fsr-3326	466	19	capability	capability	NOUN
fsr-3326	466	20	-	-	PUNCT
fsr-3326	466	21	survey-2019.pdf	survey-2019.pdf	NOUN
fsr-3326	466	22	.	.	PUNCT
fsr-3326	467	1	accessed	access	VERB
fsr-3326	467	2	on	on	ADP
fsr-3326	467	3	september	september	PROPN
fsr-3326	467	4	20	20	NUM
fsr-3326	467	5	,	,	PUNCT
fsr-3326	467	6	2023	2023	NUM
fsr-3326	467	7	.	.	PUNCT
fsr-3326	468	1	financial	financial	ADJ
fsr-3326	468	2	planning	planning	NOUN
fsr-3326	468	3	standards	standard	NOUN
fsr-3326	468	4	council	council	PROPN
fsr-3326	468	5	and	and	CCONJ
fsr-3326	468	6	institut	institut	PROPN
fsr-3326	468	7	québécois	québécois	PROPN
fsr-3326	468	8	de	de	X
fsr-3326	468	9	planification	planification	PROPN
fsr-3326	468	10	financière	financière	PROPN
fsr-3326	468	11	.	.	PUNCT
fsr-3326	469	1	(	(	PUNCT
fsr-3326	469	2	2020	2020	NUM
fsr-3326	469	3	)	)	PUNCT
fsr-3326	469	4	.	.	PUNCT
fsr-3326	470	1	canadian	canadian	ADJ
fsr-3326	470	2	financial	financial	ADJ
fsr-3326	470	3	planning	planning	NOUN
fsr-3326	470	4	:	:	PUNCT
fsr-3326	470	5	definitions	definition	NOUN
fsr-3326	470	6	,	,	PUNCT
fsr-3326	470	7	standards	standard	NOUN
fsr-3326	470	8	&	&	CCONJ
fsr-3326	470	9	competencies	competency	NOUN
fsr-3326	470	10	.	.	PUNCT
fsr-3326	471	1	available	available	ADJ
fsr-3326	471	2	at	at	ADP
fsr-3326	471	3	:	:	PUNCT
fsr-3326	471	4	https://www.fpcanada.ca/docs/defaultsource/standards/definitions_standards	https://www.fpcanada.ca/docs/defaultsource/standards/definitions_standards	PROPN
fsr-3326	471	5	_	_	NOUN
fsr-3326	471	6	2020_edition_eng_web.pdf	2020_edition_eng_web.pdf	NUM
fsr-3326	471	7	.	.	PUNCT
fsr-3326	472	1	accessed	access	VERB
fsr-3326	472	2	on	on	ADP
fsr-3326	472	3	september	september	PROPN
fsr-3326	472	4	20	20	NUM
fsr-3326	472	5	,	,	PUNCT
fsr-3326	472	6	2023	2023	NUM
fsr-3326	472	7	.	.	PUNCT
fsr-3326	473	1	finke	finke	PROPN
fsr-3326	473	2	,	,	PUNCT
fsr-3326	473	3	m.	m.	NOUN
fsr-3326	473	4	(	(	PUNCT
fsr-3326	473	5	2013	2013	NUM
fsr-3326	473	6	)	)	PUNCT
fsr-3326	473	7	.	.	PUNCT
fsr-3326	474	1	financial	financial	ADJ
fsr-3326	474	2	advice	advice	NOUN
fsr-3326	474	3	:	:	PUNCT
fsr-3326	474	4	does	do	AUX
fsr-3326	474	5	it	it	PRON
fsr-3326	474	6	make	make	VERB
fsr-3326	474	7	a	a	DET
fsr-3326	474	8	difference	difference	NOUN
fsr-3326	474	9	?	?	PUNCT
fsr-3326	475	1	the	the	DET
fsr-3326	475	2	market	market	NOUN
fsr-3326	475	3	for	for	ADP
fsr-3326	475	4	retirement	retirement	NOUN
fsr-3326	475	5	financial	financial	ADJ
fsr-3326	475	6	advice	advice	NOUN
fsr-3326	475	7	,	,	PUNCT
fsr-3326	475	8	oxford	oxford	PROPN
fsr-3326	475	9	academic	academic	NOUN
fsr-3326	475	10	,	,	PUNCT
fsr-3326	475	11	oxford	oxford	PROPN
fsr-3326	475	12	.	.	PUNCT
fsr-3326	476	1	229	229	NUM
fsr-3326	476	2	-	-	SYM
fsr-3326	476	3	248	248	NUM
fsr-3326	476	4	.	.	PUNCT
fsr-3326	477	1	finke	finke	PROPN
fsr-3326	477	2	,	,	PUNCT
fsr-3326	477	3	m.	m.	NOUN
fsr-3326	477	4	,	,	PUNCT
fsr-3326	477	5	huston	huston	PROPN
fsr-3326	477	6	,	,	PUNCT
fsr-3326	477	7	s.	s.	PROPN
fsr-3326	477	8	,	,	PUNCT
fsr-3326	477	9	&	&	CCONJ
fsr-3326	477	10	waller	waller	PROPN
fsr-3326	477	11	,	,	PUNCT
fsr-3326	477	12	w.	w.	PROPN
fsr-3326	477	13	(	(	PUNCT
fsr-3326	477	14	2009	2009	NUM
fsr-3326	477	15	)	)	PUNCT
fsr-3326	477	16	.	.	PUNCT
fsr-3326	478	1	do	do	AUX
fsr-3326	478	2	contracts	contract	NOUN
fsr-3326	478	3	influence	influence	VERB
fsr-3326	478	4	comprehensive	comprehensive	ADJ
fsr-3326	478	5	financial	financial	ADJ
fsr-3326	478	6	advice	advice	NOUN
fsr-3326	478	7	?	?	PUNCT
fsr-3326	479	1	financial	financial	ADJ
fsr-3326	479	2	services	service	NOUN
fsr-3326	479	3	review	review	NOUN
fsr-3326	479	4	,	,	PUNCT
fsr-3326	479	5	18(2	18(2	NUM
fsr-3326	479	6	)	)	PUNCT
fsr-3326	479	7	,	,	PUNCT
fsr-3326	479	8	177	177	NUM
fsr-3326	479	9	-	-	SYM
fsr-3326	479	10	193	193	NUM
fsr-3326	479	11	.	.	PUNCT
fsr-3326	480	1	finke	finke	PROPN
fsr-3326	480	2	,	,	PUNCT
fsr-3326	480	3	m.	m.	NOUN
fsr-3326	480	4	s.	s.	PROPN
fsr-3326	480	5	,	,	PUNCT
fsr-3326	480	6	huston	huston	PROPN
fsr-3326	480	7	,	,	PUNCT
fsr-3326	480	8	s.	s.	PROPN
fsr-3326	480	9	j.	j.	PROPN
fsr-3326	480	10	,	,	PUNCT
fsr-3326	480	11	&	&	CCONJ
fsr-3326	480	12	winchester	winchester	PROPN
fsr-3326	480	13	,	,	PUNCT
fsr-3326	480	14	d.	d.	PROPN
fsr-3326	480	15	d.	d.	PROPN
fsr-3326	480	16	(	(	PUNCT
fsr-3326	480	17	2011	2011	NUM
fsr-3326	480	18	)	)	PUNCT
fsr-3326	480	19	.	.	PUNCT
fsr-3326	481	1	financial	financial	ADJ
fsr-3326	481	2	advice	advice	NOUN
fsr-3326	481	3	:	:	PUNCT
fsr-3326	481	4	who	who	PRON
fsr-3326	481	5	pays	pay	VERB
fsr-3326	481	6	.	.	PUNCT
fsr-3326	482	1	journal	journal	PROPN
fsr-3326	482	2	of	of	ADP
fsr-3326	482	3	financial	financial	ADJ
fsr-3326	482	4	counseling	counseling	NOUN
fsr-3326	482	5	and	and	CCONJ
fsr-3326	482	6	planning	planning	NOUN
fsr-3326	482	7	,	,	PUNCT
fsr-3326	482	8	22(1	22(1	NUM
fsr-3326	482	9	)	)	PUNCT
fsr-3326	482	10	,	,	PUNCT
fsr-3326	482	11	18	18	NUM
fsr-3326	482	12	.	.	PUNCT
fsr-3326	483	1	fischer	fischer	PROPN
fsr-3326	483	2	,	,	PUNCT
fsr-3326	483	3	r.	r.	PROPN
fsr-3326	483	4	,	,	PUNCT
fsr-3326	483	5	&	&	CCONJ
fsr-3326	483	6	gerhardt	gerhardt	PROPN
fsr-3326	483	7	,	,	PUNCT
fsr-3326	483	8	r.	r.	PROPN
fsr-3326	483	9	(	(	PUNCT
fsr-3326	483	10	2007	2007	NUM
fsr-3326	483	11	)	)	PUNCT
fsr-3326	483	12	.	.	PUNCT
fsr-3326	484	1	investment	investment	NOUN
fsr-3326	484	2	mistakes	mistake	NOUN
fsr-3326	484	3	of	of	ADP
fsr-3326	484	4	individual	individual	ADJ
fsr-3326	484	5	investors	investor	NOUN
fsr-3326	484	6	and	and	CCONJ
fsr-3326	484	7	the	the	DET
fsr-3326	484	8	impact	impact	NOUN
fsr-3326	484	9	of	of	ADP
fsr-3326	484	10	financial	financial	ADJ
fsr-3326	484	11	advice	advice	NOUN
fsr-3326	484	12	.	.	PUNCT
fsr-3326	485	1	paper	paper	NOUN
fsr-3326	485	2	presented	present	VERB
fsr-3326	485	3	at	at	ADP
fsr-3326	485	4	the	the	DET
fsr-3326	485	5	20th	20th	ADJ
fsr-3326	485	6	australasian	australasian	ADJ
fsr-3326	485	7	finance	finance	NOUN
fsr-3326	485	8	&	&	CCONJ
fsr-3326	485	9	banking	banking	PROPN
fsr-3326	485	10	conference	conference	NOUN
fsr-3326	485	11	(	(	PUNCT
fsr-3326	485	12	afbc	afbc	ADJ
fsr-3326	485	13	)	)	PUNCT
fsr-3326	485	14	.	.	PUNCT
fsr-3326	486	1	foerster	foerster	PROPN
fsr-3326	486	2	,	,	PUNCT
fsr-3326	486	3	s.	s.	PROPN
fsr-3326	486	4	,	,	PUNCT
fsr-3326	486	5	linnainmaa	linnainmaa	PROPN
fsr-3326	486	6	,	,	PUNCT
fsr-3326	486	7	j.	j.	PROPN
fsr-3326	486	8	t.	t.	PROPN
fsr-3326	486	9	,	,	PUNCT
fsr-3326	486	10	melzer	melzer	PROPN
fsr-3326	486	11	,	,	PUNCT
fsr-3326	486	12	b.	b.	PROPN
fsr-3326	486	13	t.	t.	PROPN
fsr-3326	486	14	,	,	PUNCT
fsr-3326	486	15	&	&	CCONJ
fsr-3326	486	16	previtero	previtero	PROPN
fsr-3326	486	17	,	,	PUNCT
fsr-3326	486	18	a.	a.	NOUN
fsr-3326	486	19	(	(	PUNCT
fsr-3326	486	20	2017	2017	NUM
fsr-3326	486	21	)	)	PUNCT
fsr-3326	486	22	.	.	PUNCT
fsr-3326	487	1	retail	retail	ADJ
fsr-3326	487	2	financial	financial	ADJ
fsr-3326	487	3	advice	advice	NOUN
fsr-3326	487	4	:	:	PUNCT
fsr-3326	487	5	does	do	AUX
fsr-3326	487	6	one	one	NUM
fsr-3326	487	7	size	size	NOUN
fsr-3326	487	8	fit	fit	VERB
fsr-3326	487	9	all	all	PRON
fsr-3326	487	10	?	?	PUNCT
fsr-3326	488	1	the	the	DET
fsr-3326	488	2	journal	journal	NOUN
fsr-3326	488	3	of	of	ADP
fsr-3326	488	4	finance	finance	NOUN
fsr-3326	488	5	,	,	PUNCT
fsr-3326	488	6	72(4	72(4	NUM
fsr-3326	488	7	)	)	PUNCT
fsr-3326	488	8	,	,	PUNCT
fsr-3326	488	9	1441	1441	NUM
fsr-3326	488	10	-	-	SYM
fsr-3326	488	11	1482	1482	NUM
fsr-3326	488	12	.	.	PUNCT
fsr-3326	489	1	fong	fong	PROPN
fsr-3326	489	2	,	,	PUNCT
fsr-3326	489	3	y.-f	y.-f	PROPN
fsr-3326	489	4	.	.	PUNCT
fsr-3326	490	1	(	(	PUNCT
fsr-3326	490	2	2005	2005	NUM
fsr-3326	490	3	)	)	PUNCT
fsr-3326	490	4	.	.	PUNCT
fsr-3326	491	1	when	when	SCONJ
fsr-3326	491	2	do	do	AUX
fsr-3326	491	3	experts	expert	NOUN
fsr-3326	491	4	cheat	cheat	VERB
fsr-3326	491	5	and	and	CCONJ
fsr-3326	491	6	whom	whom	PRON
fsr-3326	491	7	do	do	AUX
fsr-3326	491	8	they	they	PRON
fsr-3326	491	9	target	target	VERB
fsr-3326	491	10	?	?	PUNCT
fsr-3326	492	1	rand	rand	NOUN
fsr-3326	492	2	journal	journal	NOUN
fsr-3326	492	3	of	of	ADP
fsr-3326	492	4	economics	economic	NOUN
fsr-3326	492	5	,	,	PUNCT
fsr-3326	492	6	113	113	NUM
fsr-3326	492	7	-	-	SYM
fsr-3326	492	8	130	130	NUM
fsr-3326	492	9	.	.	PUNCT
fsr-3326	493	1	fp	fp	PROPN
fsr-3326	493	2	canada	canada	PROPN
fsr-3326	493	3	.	.	PUNCT
fsr-3326	494	1	(	(	PUNCT
fsr-3326	494	2	2019	2019	NUM
fsr-3326	494	3	)	)	PUNCT
fsr-3326	494	4	.	.	PUNCT
fsr-3326	495	1	cfp	cfp	PROPN
fsr-3326	495	2	®	®	PROPN
fsr-3326	495	3	professional	professional	ADJ
fsr-3326	495	4	competency	competency	NOUN
fsr-3326	495	5	profile	profile	NOUN
fsr-3326	495	6	.	.	PUNCT
fsr-3326	496	1	available	available	ADJ
fsr-3326	496	2	at	at	ADP
fsr-3326	496	3	:	:	PUNCT
fsr-3326	496	4	https://www.fpcanada.ca/docs/defaultsource/standards/cfp-professionalcompetency-profile.pdf	https://www.fpcanada.ca/docs/defaultsource/standards/cfp-professionalcompetency-profile.pdf	PROPN
fsr-3326	496	5	.	.	PUNCT
fsr-3326	497	1	accessed	access	VERB
fsr-3326	497	2	on	on	ADP
fsr-3326	497	3	september	september	PROPN
fsr-3326	497	4	20	20	NUM
fsr-3326	497	5	,	,	PUNCT
fsr-3326	497	6	2023	2023	NUM
fsr-3326	497	7	.	.	PUNCT
fsr-3326	498	1	https://www.canada.ca/content/dam/fcac-acfc/documents/programs/research-surveys-studies-reports/canadian-financial-capability-survey-2019.pdf	https://www.canada.ca/content/dam/fcac-acfc/documents/programs/research-surveys-studies-reports/canadian-financial-capability-survey-2019.pdf	VERB
fsr-3326	498	2	https://www.canada.ca/content/dam/fcac-acfc/documents/programs/research-surveys-studies-reports/canadian-financial-capability-survey-2019.pdf	https://www.canada.ca/content/dam/fcac-acfc/documents/programs/research-surveys-studies-reports/canadian-financial-capability-survey-2019.pdf	ADJ
fsr-3326	498	3	https://www.canada.ca/content/dam/fcac-acfc/documents/programs/research-surveys-studies-reports/canadian-financial-capability-survey-2019.pdf	https://www.canada.ca/content/dam/fcac-acfc/documents/programs/research-surveys-studies-reports/canadian-financial-capability-survey-2019.pdf	ADJ
fsr-3326	498	4	https://www.canada.ca/content/dam/fcac-acfc/documents/programs/research-surveys-studies-reports/canadian-financial-capability-survey-2019.pdf	https://www.canada.ca/content/dam/fcac-acfc/documents/programs/research-surveys-studies-reports/canadian-financial-capability-survey-2019.pdf	NOUN
fsr-3326	498	5	https://www.fpcanada.ca/docs/default-source/standards/definitions_standards_2020_edition_eng_web.pdf	https://www.fpcanada.ca/docs/default-source/standards/definitions_standards_2020_edition_eng_web.pdf	NOUN
fsr-3326	498	6	https://www.fpcanada.ca/docs/default-source/standards/definitions_standards_2020_edition_eng_web.pdf	https://www.fpcanada.ca/docs/default-source/standards/definitions_standards_2020_edition_eng_web.pdf	NOUN
fsr-3326	498	7	https://www.fpcanada.ca/docs/default-source/standards/definitions_standards_2020_edition_eng_web.pdf	https://www.fpcanada.ca/docs/default-source/standards/definitions_standards_2020_edition_eng_web.pdf	NOUN
fsr-3326	499	1	https://www.fpcanada.ca/docs/default-source/standards/cfp-professional-competency-profile.pdf	https://www.fpcanada.ca/docs/default-source/standards/cfp-professional-competency-profile.pdf	PRON
fsr-3326	500	1	https://www.fpcanada.ca/docs/default-source/standards/cfp-professional-competency-profile.pdf	https://www.fpcanada.ca/docs/default-source/standards/cfp-professional-competency-profile.pdf	NOUN
fsr-3326	500	2	https://www.fpcanada.ca/docs/default-source/standards/cfp-professional-competency-profile.pdf	https://www.fpcanada.ca/docs/default-source/standards/cfp-professional-competency-profile.pdf	ADJ
fsr-3326	500	3	financial	financial	ADJ
fsr-3326	500	4	services	service	NOUN
fsr-3326	500	5	review	review	NOUN
fsr-3326	500	6	,	,	PUNCT
fsr-3326	500	7	32(3	32(3	NUM
fsr-3326	500	8	)	)	PUNCT
fsr-3326	500	9	49	49	NUM
fsr-3326	500	10	fp	fp	PROPN
fsr-3326	500	11	canada	canada	PROPN
fsr-3326	500	12	.	.	PUNCT
fsr-3326	501	1	(	(	PUNCT
fsr-3326	501	2	2022	2022	NUM
fsr-3326	501	3	)	)	PUNCT
fsr-3326	501	4	.	.	PUNCT
fsr-3326	502	1	standards	standard	NOUN
fsr-3326	502	2	of	of	ADP
fsr-3326	502	3	professional	professional	ADJ
fsr-3326	502	4	responsibility	responsibility	NOUN
fsr-3326	502	5	.	.	PUNCT
fsr-3326	503	1	available	available	ADJ
fsr-3326	503	2	at	at	ADP
fsr-3326	503	3	:	:	PUNCT
fsr-3326	503	4	https://fpcanada.ca/docs/defaultsource/standards/standards-ofprofessional-responsibility.pdf	https://fpcanada.ca/docs/defaultsource/standards/standards-ofprofessional-responsibility.pdf	PROPN
fsr-3326	503	5	.	.	PUNCT
fsr-3326	504	1	accessed	access	VERB
fsr-3326	504	2	on	on	ADP
fsr-3326	504	3	september	september	PROPN
fsr-3326	504	4	20	20	NUM
fsr-3326	504	5	,	,	PUNCT
fsr-3326	504	6	2023	2023	NUM
fsr-3326	504	7	.	.	PUNCT
fsr-3326	505	1	gennaioli	gennaioli	ADV
fsr-3326	505	2	,	,	PUNCT
fsr-3326	505	3	n.	n.	NOUN
fsr-3326	505	4	,	,	PUNCT
fsr-3326	505	5	shleifer	shleifer	PROPN
fsr-3326	505	6	,	,	PUNCT
fsr-3326	505	7	a.	a.	PROPN
fsr-3326	505	8	,	,	PUNCT
fsr-3326	505	9	&	&	CCONJ
fsr-3326	505	10	vishny	vishny	PROPN
fsr-3326	505	11	,	,	PUNCT
fsr-3326	505	12	r.	r.	PROPN
fsr-3326	505	13	(	(	PUNCT
fsr-3326	505	14	2015	2015	NUM
fsr-3326	505	15	)	)	PUNCT
fsr-3326	505	16	.	.	PUNCT
fsr-3326	506	1	money	money	NOUN
fsr-3326	506	2	doctors	doctor	NOUN
fsr-3326	506	3	.	.	PUNCT
fsr-3326	507	1	the	the	DET
fsr-3326	507	2	journal	journal	PROPN
fsr-3326	507	3	of	of	ADP
fsr-3326	507	4	finance	finance	NOUN
fsr-3326	507	5	,	,	PUNCT
fsr-3326	507	6	70(1	70(1	NOUN
fsr-3326	507	7	)	)	PUNCT
fsr-3326	507	8	,	,	PUNCT
fsr-3326	507	9	91	91	NUM
fsr-3326	507	10	-	-	SYM
fsr-3326	507	11	114	114	NUM
fsr-3326	507	12	.	.	PUNCT
fsr-3326	508	1	georgarakos	georgarakos	PROPN
fsr-3326	508	2	,	,	PUNCT
fsr-3326	508	3	d.	d.	PROPN
fsr-3326	508	4	,	,	PUNCT
fsr-3326	508	5	&	&	CCONJ
fsr-3326	508	6	inderst	inderst	PROPN
fsr-3326	508	7	,	,	PUNCT
fsr-3326	508	8	r.	r.	PROPN
fsr-3326	508	9	(	(	PUNCT
fsr-3326	508	10	2014	2014	NUM
fsr-3326	508	11	)	)	PUNCT
fsr-3326	508	12	.	.	PUNCT
fsr-3326	509	1	financial	financial	ADJ
fsr-3326	509	2	advice	advice	NOUN
fsr-3326	509	3	and	and	CCONJ
fsr-3326	509	4	stock	stock	NOUN
fsr-3326	509	5	market	market	NOUN
fsr-3326	509	6	participation	participation	NOUN
fsr-3326	509	7	.	.	PUNCT
fsr-3326	510	1	working	working	NOUN
fsr-3326	510	2	paper	paper	NOUN
fsr-3326	510	3	no	no	NOUN
fsr-3326	510	4	.	.	PROPN
fsr-3326	510	5	1296	1296	NUM
fsr-3326	510	6	,	,	PUNCT
fsr-3326	510	7	european	european	PROPN
fsr-3326	510	8	central	central	PROPN
fsr-3326	510	9	bank	bank	PROPN
fsr-3326	510	10	,	,	PUNCT
fsr-3326	510	11	frankfurt	frankfurt	PROPN
fsr-3326	510	12	,	,	PUNCT
fsr-3326	510	13	germany	germany	PROPN
fsr-3326	510	14	.	.	PUNCT
fsr-3326	511	1	golec	golec	PROPN
fsr-3326	511	2	,	,	PUNCT
fsr-3326	511	3	j.	j.	PROPN
fsr-3326	511	4	h.	h.	PROPN
fsr-3326	511	5	(	(	PUNCT
fsr-3326	511	6	1992	1992	NUM
fsr-3326	511	7	)	)	PUNCT
fsr-3326	511	8	.	.	PUNCT
fsr-3326	512	1	empirical	empirical	ADJ
fsr-3326	512	2	tests	test	NOUN
fsr-3326	512	3	of	of	ADP
fsr-3326	512	4	a	a	DET
fsr-3326	512	5	principal	principal	ADJ
fsr-3326	512	6	-	-	PUNCT
fsr-3326	512	7	agent	agent	NOUN
fsr-3326	512	8	model	model	NOUN
fsr-3326	512	9	of	of	ADP
fsr-3326	512	10	the	the	DET
fsr-3326	512	11	investorinvestment	investorinvestment	NOUN
fsr-3326	512	12	advisor	advisor	NOUN
fsr-3326	512	13	relationship	relationship	NOUN
fsr-3326	512	14	.	.	PUNCT
fsr-3326	513	1	journal	journal	PROPN
fsr-3326	513	2	of	of	ADP
fsr-3326	513	3	financial	financial	ADJ
fsr-3326	513	4	and	and	CCONJ
fsr-3326	513	5	quantitative	quantitative	ADJ
fsr-3326	513	6	analysis	analysis	NOUN
fsr-3326	513	7	,	,	PUNCT
fsr-3326	513	8	27(1	27(1	NUM
fsr-3326	513	9	)	)	PUNCT
fsr-3326	513	10	,	,	PUNCT
fsr-3326	513	11	81	81	NUM
fsr-3326	513	12	-	-	SYM
fsr-3326	513	13	95	95	NUM
fsr-3326	513	14	.	.	PUNCT
fsr-3326	514	1	grable	grable	PROPN
fsr-3326	514	2	,	,	PUNCT
fsr-3326	514	3	j.	j.	PROPN
fsr-3326	514	4	e.	e.	PROPN
fsr-3326	514	5	,	,	PUNCT
fsr-3326	514	6	&	&	CCONJ
fsr-3326	514	7	chatterjee	chatterjee	PROPN
fsr-3326	514	8	,	,	PUNCT
fsr-3326	514	9	s.	s.	PROPN
fsr-3326	514	10	(	(	PUNCT
fsr-3326	514	11	2014	2014	NUM
fsr-3326	514	12	)	)	PUNCT
fsr-3326	514	13	.	.	PUNCT
fsr-3326	515	1	reducing	reduce	VERB
fsr-3326	515	2	wealth	wealth	NOUN
fsr-3326	515	3	volatility	volatility	NOUN
fsr-3326	515	4	:	:	PUNCT
fsr-3326	515	5	the	the	DET
fsr-3326	515	6	value	value	NOUN
fsr-3326	515	7	of	of	ADP
fsr-3326	515	8	financial	financial	ADJ
fsr-3326	515	9	advice	advice	NOUN
fsr-3326	515	10	as	as	SCONJ
fsr-3326	515	11	measured	measure	VERB
fsr-3326	515	12	by	by	ADP
fsr-3326	515	13	zeta	zeta	PROPN
fsr-3326	515	14	.	.	PUNCT
fsr-3326	515	15	journal	journal	PROPN
fsr-3326	515	16	of	of	ADP
fsr-3326	515	17	financial	financial	ADJ
fsr-3326	515	18	planning	planning	NOUN
fsr-3326	515	19	,	,	PUNCT
fsr-3326	515	20	27(8	27(8	NUM
fsr-3326	515	21	)	)	PUNCT
fsr-3326	515	22	,	,	PUNCT
fsr-3326	515	23	45	45	NUM
fsr-3326	515	24	-	-	SYM
fsr-3326	515	25	51	51	NUM
fsr-3326	515	26	.	.	PUNCT
fsr-3326	515	27	guillemette	guillemette	NOUN
fsr-3326	515	28	,	,	PUNCT
fsr-3326	515	29	m.	m.	NOUN
fsr-3326	515	30	a.	a.	PROPN
fsr-3326	515	31	,	,	PUNCT
fsr-3326	515	32	&	&	CCONJ
fsr-3326	515	33	jurgenson	jurgenson	PROPN
fsr-3326	515	34	,	,	PUNCT
fsr-3326	515	35	j.	j.	PROPN
fsr-3326	515	36	b.	b.	PROPN
fsr-3326	515	37	(	(	PUNCT
fsr-3326	515	38	2017	2017	NUM
fsr-3326	515	39	)	)	PUNCT
fsr-3326	515	40	.	.	PUNCT
fsr-3326	516	1	the	the	DET
fsr-3326	516	2	impact	impact	NOUN
fsr-3326	516	3	of	of	ADP
fsr-3326	516	4	financial	financial	ADJ
fsr-3326	516	5	advice	advice	NOUN
fsr-3326	516	6	certification	certification	NOUN
fsr-3326	516	7	on	on	ADP
fsr-3326	516	8	investment	investment	NOUN
fsr-3326	516	9	choices	choice	NOUN
fsr-3326	516	10	.	.	PUNCT
fsr-3326	517	1	journal	journal	NOUN
fsr-3326	517	2	of	of	ADP
fsr-3326	517	3	financial	financial	ADJ
fsr-3326	517	4	counseling	counseling	NOUN
fsr-3326	517	5	and	and	CCONJ
fsr-3326	517	6	planning	planning	NOUN
fsr-3326	517	7	,	,	PUNCT
fsr-3326	517	8	28(1	28(1	NOUN
fsr-3326	517	9	)	)	PUNCT
fsr-3326	517	10	,	,	PUNCT
fsr-3326	517	11	129	129	NUM
fsr-3326	517	12	-	-	SYM
fsr-3326	517	13	139	139	NUM
fsr-3326	517	14	.	.	PUNCT
fsr-3326	518	1	gupta	gupta	PROPN
fsr-3326	518	2	,	,	PUNCT
fsr-3326	518	3	p.	p.	NOUN
fsr-3326	518	4	,	,	PUNCT
fsr-3326	518	5	&	&	CCONJ
fsr-3326	518	6	cohen	cohen	PROPN
fsr-3326	518	7	,	,	PUNCT
fsr-3326	518	8	n.	n.	PROPN
fsr-3326	518	9	j.	j.	PROPN
fsr-3326	518	10	(	(	PUNCT
fsr-3326	518	11	2002	2002	NUM
fsr-3326	518	12	)	)	PUNCT
fsr-3326	518	13	.	.	PUNCT
fsr-3326	519	1	theoretical	theoretical	ADJ
fsr-3326	519	2	and	and	CCONJ
fsr-3326	519	3	computational	computational	ADJ
fsr-3326	519	4	analysis	analysis	NOUN
fsr-3326	519	5	of	of	ADP
fsr-3326	519	6	skill	skill	NOUN
fsr-3326	519	7	learning	learning	NOUN
fsr-3326	519	8	,	,	PUNCT
fsr-3326	519	9	repetition	repetition	VERB
fsr-3326	519	10	priming	priming	NOUN
fsr-3326	519	11	,	,	PUNCT
fsr-3326	519	12	and	and	CCONJ
fsr-3326	519	13	procedural	procedural	ADJ
fsr-3326	519	14	memory	memory	NOUN
fsr-3326	519	15	.	.	PUNCT
fsr-3326	520	1	psychological	psychological	ADJ
fsr-3326	520	2	review	review	NOUN
fsr-3326	520	3	,	,	PUNCT
fsr-3326	520	4	109(2	109(2	NUM
fsr-3326	520	5	)	)	PUNCT
fsr-3326	520	6	,	,	PUNCT
fsr-3326	520	7	401	401	NUM
fsr-3326	520	8	.	.	PUNCT
fsr-3326	521	1	gurun	gurun	NOUN
fsr-3326	521	2	,	,	PUNCT
fsr-3326	521	3	u.	u.	PROPN
fsr-3326	521	4	g.	g.	PROPN
fsr-3326	521	5	,	,	PUNCT
fsr-3326	521	6	stoffman	stoffman	NOUN
fsr-3326	521	7	,	,	PUNCT
fsr-3326	521	8	n.	n.	NOUN
fsr-3326	521	9	,	,	PUNCT
fsr-3326	521	10	&	&	CCONJ
fsr-3326	521	11	yonker	yonker	PROPN
fsr-3326	521	12	,	,	PUNCT
fsr-3326	521	13	s.	s.	PROPN
fsr-3326	521	14	e.	e.	PROPN
fsr-3326	521	15	(	(	PUNCT
fsr-3326	521	16	2018	2018	NUM
fsr-3326	521	17	)	)	PUNCT
fsr-3326	521	18	.	.	PUNCT
fsr-3326	522	1	trust	trust	NOUN
fsr-3326	522	2	busting	bust	VERB
fsr-3326	522	3	:	:	PUNCT
fsr-3326	522	4	the	the	DET
fsr-3326	522	5	effect	effect	NOUN
fsr-3326	522	6	of	of	ADP
fsr-3326	522	7	fraud	fraud	NOUN
fsr-3326	522	8	on	on	ADP
fsr-3326	522	9	investor	investor	NOUN
fsr-3326	522	10	behavior	behavior	NOUN
fsr-3326	522	11	.	.	PUNCT
fsr-3326	523	1	the	the	DET
fsr-3326	523	2	review	review	NOUN
fsr-3326	523	3	of	of	ADP
fsr-3326	523	4	financial	financial	ADJ
fsr-3326	523	5	studies	study	NOUN
fsr-3326	523	6	,	,	PUNCT
fsr-3326	523	7	31(4	31(4	NUM
fsr-3326	523	8	)	)	PUNCT
fsr-3326	523	9	,	,	PUNCT
fsr-3326	523	10	1341	1341	NUM
fsr-3326	523	11	-	-	SYM
fsr-3326	523	12	1376	1376	NUM
fsr-3326	523	13	.	.	PUNCT
fsr-3326	524	1	hackethal	hackethal	PROPN
fsr-3326	524	2	,	,	PUNCT
fsr-3326	524	3	a.	a.	NOUN
fsr-3326	524	4	,	,	PUNCT
fsr-3326	524	5	haliassos	haliassos	NOUN
fsr-3326	524	6	,	,	PUNCT
fsr-3326	524	7	m.	m.	NOUN
fsr-3326	524	8	,	,	PUNCT
fsr-3326	524	9	&	&	CCONJ
fsr-3326	524	10	jappelli	jappelli	PROPN
fsr-3326	524	11	,	,	PUNCT
fsr-3326	524	12	t.	t.	PROPN
fsr-3326	524	13	(	(	PUNCT
fsr-3326	524	14	2012	2012	NUM
fsr-3326	524	15	)	)	PUNCT
fsr-3326	524	16	.	.	PUNCT
fsr-3326	525	1	financial	financial	ADJ
fsr-3326	525	2	advisors	advisor	NOUN
fsr-3326	525	3	:	:	PUNCT
fsr-3326	525	4	a	a	DET
fsr-3326	525	5	case	case	NOUN
fsr-3326	525	6	of	of	ADP
fsr-3326	525	7	babysitters	babysitter	NOUN
fsr-3326	525	8	?	?	PUNCT
fsr-3326	526	1	journal	journal	NOUN
fsr-3326	526	2	of	of	ADP
fsr-3326	526	3	banking	banking	NOUN
fsr-3326	526	4	&	&	CCONJ
fsr-3326	526	5	finance	finance	PROPN
fsr-3326	526	6	,	,	PUNCT
fsr-3326	526	7	36(2	36(2	NUM
fsr-3326	526	8	)	)	PUNCT
fsr-3326	526	9	,	,	PUNCT
fsr-3326	526	10	509	509	NUM
fsr-3326	526	11	-	-	SYM
fsr-3326	526	12	524	524	NUM
fsr-3326	526	13	.	.	PUNCT
fsr-3326	527	1	hackethal	hackethal	PROPN
fsr-3326	527	2	,	,	PUNCT
fsr-3326	527	3	a.	a.	NOUN
fsr-3326	527	4	,	,	PUNCT
fsr-3326	527	5	inderst	inderst	PROPN
fsr-3326	527	6	,	,	PUNCT
fsr-3326	527	7	r.	r.	PROPN
fsr-3326	527	8	,	,	PUNCT
fsr-3326	527	9	&	&	CCONJ
fsr-3326	527	10	meyer	meyer	PROPN
fsr-3326	527	11	,	,	PUNCT
fsr-3326	527	12	s.	s.	PROPN
fsr-3326	527	13	(	(	PUNCT
fsr-3326	527	14	2010	2010	NUM
fsr-3326	527	15	)	)	PUNCT
fsr-3326	527	16	.	.	PUNCT
fsr-3326	528	1	trading	trade	VERB
fsr-3326	528	2	on	on	ADP
fsr-3326	528	3	advice	advice	NOUN
fsr-3326	528	4	.	.	PUNCT
fsr-3326	529	1	cepr	cepr	ADJ
fsr-3326	529	2	discussion	discussion	NOUN
fsr-3326	529	3	paper	paper	NOUN
fsr-3326	529	4	no	no	INTJ
fsr-3326	529	5	.	.	PUNCT
fsr-3326	530	1	dp8091	dp8091	PROPN
fsr-3326	530	2	,	,	PUNCT
fsr-3326	530	3	available	available	ADJ
fsr-3326	530	4	at	at	ADP
fsr-3326	530	5	ssrn	ssrn	PROPN
fsr-3326	530	6	:	:	PUNCT
fsr-3326	530	7	https://ssrn.com/abstract=171486	https://ssrn.com/abstract=171486	PROPN
fsr-3326	530	8	3	3	NUM
fsr-3326	530	9	hanna	hanna	NOUN
fsr-3326	530	10	,	,	PUNCT
fsr-3326	530	11	s.	s.	PROPN
fsr-3326	530	12	d.	d.	PROPN
fsr-3326	530	13	,	,	PUNCT
fsr-3326	530	14	&	&	CCONJ
fsr-3326	530	15	lindamood	lindamood	PROPN
fsr-3326	530	16	,	,	PUNCT
fsr-3326	530	17	s.	s.	PROPN
fsr-3326	530	18	(	(	PUNCT
fsr-3326	530	19	2010	2010	NUM
fsr-3326	530	20	)	)	PUNCT
fsr-3326	530	21	.	.	PUNCT
fsr-3326	531	1	quantifying	quantify	VERB
fsr-3326	531	2	the	the	DET
fsr-3326	531	3	economic	economic	ADJ
fsr-3326	531	4	benefits	benefit	NOUN
fsr-3326	531	5	of	of	ADP
fsr-3326	531	6	personal	personal	ADJ
fsr-3326	531	7	financial	financial	ADJ
fsr-3326	531	8	planning	planning	NOUN
fsr-3326	531	9	.	.	PUNCT
fsr-3326	532	1	financial	financial	ADJ
fsr-3326	532	2	services	service	NOUN
fsr-3326	532	3	review	review	PROPN
fsr-3326	532	4	,	,	PUNCT
fsr-3326	532	5	19(2	19(2	NUM
fsr-3326	532	6	)	)	PUNCT
fsr-3326	532	7	,	,	PUNCT
fsr-3326	532	8	1	1	NUM
fsr-3326	532	9	-	-	SYM
fsr-3326	532	10	21	21	NUM
fsr-3326	532	11	.	.	PUNCT
fsr-3326	533	1	hershey	hershey	PROPN
fsr-3326	533	2	,	,	PUNCT
fsr-3326	533	3	d.	d.	PROPN
fsr-3326	533	4	a.	a.	PROPN
fsr-3326	533	5	,	,	PUNCT
fsr-3326	533	6	&	&	CCONJ
fsr-3326	533	7	walsh	walsh	PROPN
fsr-3326	533	8	,	,	PUNCT
fsr-3326	533	9	d.	d.	PROPN
fsr-3326	533	10	a.	a.	PROPN
fsr-3326	533	11	(	(	PUNCT
fsr-3326	533	12	2000	2000	NUM
fsr-3326	533	13	)	)	PUNCT
fsr-3326	533	14	.	.	PUNCT
fsr-3326	534	1	knowledge	knowledge	NOUN
fsr-3326	534	2	versus	versus	ADP
fsr-3326	534	3	experience	experience	NOUN
fsr-3326	534	4	in	in	ADP
fsr-3326	534	5	financial	financial	ADJ
fsr-3326	534	6	problem	problem	NOUN
fsr-3326	534	7	solving	solving	NOUN
fsr-3326	534	8	performance	performance	NOUN
fsr-3326	534	9	.	.	PUNCT
fsr-3326	535	1	current	current	ADJ
fsr-3326	535	2	psychology	psychology	NOUN
fsr-3326	535	3	,	,	PUNCT
fsr-3326	535	4	19(4	19(4	PROPN
fsr-3326	535	5	)	)	PUNCT
fsr-3326	535	6	,	,	PUNCT
fsr-3326	535	7	261	261	NUM
fsr-3326	535	8	.	.	PUNCT
fsr-3326	535	9	hershey	hershey	PROPN
fsr-3326	535	10	,	,	PUNCT
fsr-3326	535	11	d.	d.	PROPN
fsr-3326	535	12	a.	a.	PROPN
fsr-3326	535	13	,	,	PUNCT
fsr-3326	535	14	walsh	walsh	PROPN
fsr-3326	535	15	,	,	PUNCT
fsr-3326	535	16	d.	d.	PROPN
fsr-3326	535	17	a.	a.	PROPN
fsr-3326	535	18	,	,	PUNCT
fsr-3326	535	19	read	read	VERB
fsr-3326	535	20	,	,	PUNCT
fsr-3326	535	21	s.	s.	PROPN
fsr-3326	535	22	j.	j.	PROPN
fsr-3326	535	23	,	,	PUNCT
fsr-3326	535	24	&	&	CCONJ
fsr-3326	535	25	chulef	chulef	PROPN
fsr-3326	535	26	,	,	PUNCT
fsr-3326	535	27	a.	a.	PROPN
fsr-3326	535	28	s.	s.	PROPN
fsr-3326	535	29	(	(	PUNCT
fsr-3326	535	30	1990	1990	NUM
fsr-3326	535	31	)	)	PUNCT
fsr-3326	535	32	.	.	PUNCT
fsr-3326	536	1	the	the	DET
fsr-3326	536	2	effects	effect	NOUN
fsr-3326	536	3	of	of	ADP
fsr-3326	536	4	expertise	expertise	NOUN
fsr-3326	536	5	on	on	ADP
fsr-3326	536	6	financial	financial	ADJ
fsr-3326	536	7	problem	problem	NOUN
fsr-3326	536	8	solving	solving	NOUN
fsr-3326	536	9	:	:	PUNCT
fsr-3326	536	10	evidence	evidence	NOUN
fsr-3326	536	11	for	for	ADP
fsr-3326	536	12	goal	goal	NOUN
fsr-3326	536	13	-	-	PUNCT
fsr-3326	536	14	directed	direct	VERB
fsr-3326	536	15	,	,	PUNCT
fsr-3326	536	16	problemsolving	problemsolve	VERB
fsr-3326	536	17	scripts	script	NOUN
fsr-3326	536	18	.	.	PUNCT
fsr-3326	537	1	organizational	organizational	ADJ
fsr-3326	537	2	behavior	behavior	NOUN
fsr-3326	537	3	and	and	CCONJ
fsr-3326	537	4	human	human	ADJ
fsr-3326	537	5	decision	decision	NOUN
fsr-3326	537	6	processes	process	NOUN
fsr-3326	537	7	,	,	PUNCT
fsr-3326	537	8	46(1	46(1	PROPN
fsr-3326	537	9	)	)	PUNCT
fsr-3326	537	10	,	,	PUNCT
fsr-3326	537	11	77	77	NUM
fsr-3326	537	12	-	-	SYM
fsr-3326	537	13	101	101	NUM
fsr-3326	537	14	.	.	PUNCT
fsr-3326	538	1	hoechle	hoechle	PROPN
fsr-3326	538	2	,	,	PUNCT
fsr-3326	538	3	d.	d.	PROPN
fsr-3326	538	4	,	,	PUNCT
fsr-3326	538	5	ruenzi	ruenzi	PROPN
fsr-3326	538	6	,	,	PUNCT
fsr-3326	538	7	s.	s.	PROPN
fsr-3326	538	8	,	,	PUNCT
fsr-3326	538	9	schaub	schaub	PROPN
fsr-3326	538	10	,	,	PUNCT
fsr-3326	538	11	n.	n.	NOUN
fsr-3326	538	12	,	,	PUNCT
fsr-3326	538	13	&	&	CCONJ
fsr-3326	538	14	schmid	schmid	PROPN
fsr-3326	538	15	,	,	PUNCT
fsr-3326	538	16	m.	m.	NOUN
fsr-3326	538	17	(	(	PUNCT
fsr-3326	538	18	2017	2017	NUM
fsr-3326	538	19	)	)	PUNCT
fsr-3326	538	20	.	.	PUNCT
fsr-3326	539	1	the	the	DET
fsr-3326	539	2	impact	impact	NOUN
fsr-3326	539	3	of	of	ADP
fsr-3326	539	4	financial	financial	ADJ
fsr-3326	539	5	advice	advice	NOUN
fsr-3326	539	6	on	on	ADP
fsr-3326	539	7	trade	trade	NOUN
fsr-3326	539	8	performance	performance	NOUN
fsr-3326	539	9	and	and	CCONJ
fsr-3326	539	10	behavioral	behavioral	ADJ
fsr-3326	539	11	biases	bias	NOUN
fsr-3326	539	12	.	.	PUNCT
fsr-3326	540	1	review	review	NOUN
fsr-3326	540	2	of	of	ADP
fsr-3326	540	3	finance	finance	NOUN
fsr-3326	540	4	,	,	PUNCT
fsr-3326	540	5	21(2	21(2	NUM
fsr-3326	540	6	)	)	PUNCT
fsr-3326	540	7	,	,	PUNCT
fsr-3326	540	8	871	871	NUM
fsr-3326	540	9	-	-	SYM
fsr-3326	540	10	910	910	NUM
fsr-3326	540	11	.	.	PUNCT
fsr-3326	541	1	horn	horn	PROPN
fsr-3326	541	2	,	,	PUNCT
fsr-3326	541	3	l.	l.	PROPN
fsr-3326	541	4	,	,	PUNCT
fsr-3326	541	5	meyer	meyer	PROPN
fsr-3326	541	6	,	,	PUNCT
fsr-3326	541	7	s.	s.	PROPN
fsr-3326	541	8	,	,	PUNCT
fsr-3326	541	9	&	&	CCONJ
fsr-3326	541	10	hackethal	hackethal	PROPN
fsr-3326	541	11	,	,	PUNCT
fsr-3326	541	12	a.	a.	NOUN
fsr-3326	541	13	(	(	PUNCT
fsr-3326	541	14	2009	2009	NUM
fsr-3326	541	15	)	)	PUNCT
fsr-3326	541	16	.	.	PUNCT
fsr-3326	542	1	smart	smart	ADJ
fsr-3326	542	2	investing	investing	NOUN
fsr-3326	542	3	and	and	CCONJ
fsr-3326	542	4	the	the	DET
fsr-3326	542	5	role	role	NOUN
fsr-3326	542	6	of	of	ADP
fsr-3326	542	7	financial	financial	ADJ
fsr-3326	542	8	advice	advice	NOUN
fsr-3326	542	9	-	-	PUNCT
fsr-3326	542	10	evidence	evidence	NOUN
fsr-3326	542	11	from	from	ADP
fsr-3326	542	12	a	a	DET
fsr-3326	542	13	natural	natural	ADJ
fsr-3326	542	14	experiment	experiment	NOUN
fsr-3326	542	15	using	use	VERB
fsr-3326	542	16	data	datum	NOUN
fsr-3326	542	17	around	around	ADP
fsr-3326	542	18	a	a	DET
fsr-3326	542	19	tax	tax	NOUN
fsr-3326	542	20	law	law	NOUN
fsr-3326	542	21	change	change	NOUN
fsr-3326	542	22	.	.	PUNCT
fsr-3326	543	1	available	available	ADJ
fsr-3326	543	2	at	at	ADP
fsr-3326	543	3	ssrn	ssrn	PROPN
fsr-3326	543	4	1343623	1343623	NUM
fsr-3326	543	5	.	.	PUNCT
fsr-3326	544	1	hudson	hudson	PROPN
fsr-3326	544	2	,	,	PUNCT
fsr-3326	544	3	c.	c.	PROPN
fsr-3326	544	4	r.	r.	PROPN
fsr-3326	544	5	,	,	PUNCT
fsr-3326	544	6	&	&	CCONJ
fsr-3326	544	7	palmer	palmer	PROPN
fsr-3326	544	8	,	,	PUNCT
fsr-3326	544	9	l.	l.	PROPN
fsr-3326	544	10	(	(	PUNCT
fsr-3326	544	11	2014	2014	NUM
fsr-3326	544	12	)	)	PUNCT
fsr-3326	544	13	.	.	PUNCT
fsr-3326	545	1	lowincome	lowincome	VERB
fsr-3326	545	2	employees	employee	NOUN
fsr-3326	545	3	:	:	PUNCT
fsr-3326	545	4	the	the	DET
fsr-3326	545	5	relationship	relationship	NOUN
fsr-3326	545	6	between	between	ADP
fsr-3326	545	7	information	information	NOUN
fsr-3326	545	8	from	from	ADP
fsr-3326	545	9	formal	formal	ADJ
fsr-3326	545	10	advisors	advisor	NOUN
fsr-3326	545	11	and	and	CCONJ
fsr-3326	545	12	financial	financial	ADJ
fsr-3326	545	13	behaviors	behavior	NOUN
fsr-3326	545	14	.	.	PUNCT
fsr-3326	546	1	financial	financial	ADJ
fsr-3326	546	2	services	service	NOUN
fsr-3326	546	3	review	review	PROPN
fsr-3326	546	4	,	,	PUNCT
fsr-3326	546	5	23(1	23(1	NUM
fsr-3326	546	6	)	)	PUNCT
fsr-3326	546	7	.	.	PUNCT
fsr-3326	547	1	hung	hung	PROPN
fsr-3326	547	2	,	,	PUNCT
fsr-3326	547	3	a.	a.	PROPN
fsr-3326	547	4	,	,	PUNCT
fsr-3326	547	5	&	&	CCONJ
fsr-3326	547	6	yoong	yoong	PROPN
fsr-3326	547	7	,	,	PUNCT
fsr-3326	547	8	j.	j.	PROPN
fsr-3326	547	9	(	(	PUNCT
fsr-3326	547	10	2013	2013	NUM
fsr-3326	547	11	)	)	PUNCT
fsr-3326	547	12	.	.	PUNCT
fsr-3326	548	1	asking	ask	VERB
fsr-3326	548	2	for	for	ADP
fsr-3326	548	3	help	help	NOUN
fsr-3326	548	4	:	:	PUNCT
fsr-3326	548	5	survey	survey	NOUN
fsr-3326	548	6	and	and	CCONJ
fsr-3326	548	7	experimental	experimental	ADJ
fsr-3326	548	8	evidence	evidence	NOUN
fsr-3326	548	9	on	on	ADP
fsr-3326	548	10	financial	financial	ADJ
fsr-3326	548	11	advice	advice	NOUN
fsr-3326	548	12	and	and	CCONJ
fsr-3326	548	13	behavior	behavior	NOUN
fsr-3326	548	14	change	change	NOUN
fsr-3326	548	15	.	.	PUNCT
fsr-3326	549	1	the	the	DET
fsr-3326	549	2	market	market	NOUN
fsr-3326	549	3	for	for	ADP
fsr-3326	549	4	retirement	retirement	NOUN
fsr-3326	549	5	financial	financial	ADJ
fsr-3326	549	6	advice	advice	NOUN
fsr-3326	549	7	,	,	PUNCT
fsr-3326	549	8	182	182	NUM
fsr-3326	549	9	,	,	PUNCT
fsr-3326	549	10	182	182	NUM
fsr-3326	549	11	-	-	SYM
fsr-3326	549	12	212	212	NUM
fsr-3326	549	13	.	.	PUNCT
fsr-3326	550	1	inderst	inderst	PROPN
fsr-3326	550	2	,	,	PUNCT
fsr-3326	550	3	r.	r.	PROPN
fsr-3326	550	4	,	,	PUNCT
fsr-3326	550	5	&	&	CCONJ
fsr-3326	550	6	ottaviani	ottaviani	PROPN
fsr-3326	550	7	,	,	PUNCT
fsr-3326	550	8	m.	m.	NOUN
fsr-3326	550	9	(	(	PUNCT
fsr-3326	550	10	2012a	2012a	NUM
fsr-3326	550	11	)	)	PUNCT
fsr-3326	550	12	.	.	PUNCT
fsr-3326	551	1	competition	competition	NOUN
fsr-3326	551	2	through	through	ADP
fsr-3326	551	3	commissions	commission	NOUN
fsr-3326	551	4	and	and	CCONJ
fsr-3326	551	5	kickbacks	kickback	NOUN
fsr-3326	551	6	.	.	PUNCT
fsr-3326	552	1	american	american	PROPN
fsr-3326	552	2	economic	economic	PROPN
fsr-3326	552	3	review	review	PROPN
fsr-3326	552	4	,	,	PUNCT
fsr-3326	552	5	102(2	102(2	NUM
fsr-3326	552	6	)	)	PUNCT
fsr-3326	552	7	,	,	PUNCT
fsr-3326	552	8	780	780	NUM
fsr-3326	552	9	-	-	SYM
fsr-3326	552	10	809	809	NUM
fsr-3326	552	11	.	.	PUNCT
fsr-3326	553	1	inderst	inderst	PROPN
fsr-3326	553	2	,	,	PUNCT
fsr-3326	553	3	r.	r.	PROPN
fsr-3326	553	4	,	,	PUNCT
fsr-3326	553	5	&	&	CCONJ
fsr-3326	553	6	ottaviani	ottaviani	PROPN
fsr-3326	553	7	,	,	PUNCT
fsr-3326	553	8	m.	m.	NOUN
fsr-3326	553	9	(	(	PUNCT
fsr-3326	553	10	2012b	2012b	NUM
fsr-3326	553	11	)	)	PUNCT
fsr-3326	553	12	.	.	PUNCT
fsr-3326	554	1	how	how	SCONJ
fsr-3326	554	2	(	(	PUNCT
fsr-3326	554	3	not	not	PART
fsr-3326	554	4	)	)	PUNCT
fsr-3326	554	5	to	to	PART
fsr-3326	554	6	pay	pay	VERB
fsr-3326	554	7	for	for	ADP
fsr-3326	554	8	advice	advice	NOUN
fsr-3326	554	9	:	:	PUNCT
fsr-3326	554	10	a	a	DET
fsr-3326	554	11	framework	framework	NOUN
fsr-3326	554	12	for	for	ADP
fsr-3326	554	13	consumer	consumer	NOUN
fsr-3326	554	14	financial	financial	ADJ
fsr-3326	554	15	protection	protection	NOUN
fsr-3326	554	16	.	.	PUNCT
fsr-3326	555	1	journal	journal	NOUN
fsr-3326	555	2	of	of	ADP
fsr-3326	555	3	financial	financial	ADJ
fsr-3326	555	4	economics	economic	NOUN
fsr-3326	555	5	,	,	PUNCT
fsr-3326	555	6	105(2	105(2	NUM
fsr-3326	555	7	)	)	PUNCT
fsr-3326	555	8	,	,	PUNCT
fsr-3326	555	9	393411	393411	NUM
fsr-3326	555	10	.	.	PUNCT
fsr-3326	556	1	james	james	PROPN
fsr-3326	556	2	iii	iii	PROPN
fsr-3326	556	3	,	,	PUNCT
fsr-3326	556	4	r.	r.	PROPN
fsr-3326	556	5	n.	n.	PROPN
fsr-3326	556	6	(	(	PUNCT
fsr-3326	556	7	2013	2013	NUM
fsr-3326	556	8	)	)	PUNCT
fsr-3326	556	9	.	.	PUNCT
fsr-3326	557	1	brain	brain	NOUN
fsr-3326	557	2	activity	activity	NOUN
fsr-3326	557	3	suggests	suggest	VERB
fsr-3326	557	4	planning	plan	VERB
fsr-3326	557	5	designation	designation	NOUN
fsr-3326	557	6	helps	help	VERB
fsr-3326	557	7	calm	calm	ADJ
fsr-3326	557	8	investors	investor	NOUN
fsr-3326	557	9	.	.	PUNCT
fsr-3326	558	1	journal	journal	PROPN
fsr-3326	558	2	of	of	ADP
fsr-3326	558	3	financial	financial	ADJ
fsr-3326	558	4	planning	planning	NOUN
fsr-3326	558	5	,	,	PUNCT
fsr-3326	558	6	26(2	26(2	NUM
fsr-3326	558	7	)	)	PUNCT
fsr-3326	558	8	,	,	PUNCT
fsr-3326	558	9	52	52	NUM
fsr-3326	558	10	.	.	PUNCT
fsr-3326	559	1	jarratt	jarratt	PROPN
fsr-3326	559	2	,	,	PUNCT
fsr-3326	559	3	d.	d.	PROPN
fsr-3326	559	4	,	,	PUNCT
fsr-3326	559	5	bossomaier	bossomaier	PROPN
fsr-3326	559	6	,	,	PUNCT
fsr-3326	559	7	t.	t.	PROPN
fsr-3326	559	8	,	,	PUNCT
fsr-3326	559	9	&	&	CCONJ
fsr-3326	559	10	thompson	thompson	PROPN
fsr-3326	559	11	,	,	PUNCT
fsr-3326	559	12	j.	j.	PROPN
fsr-3326	559	13	(	(	PUNCT
fsr-3326	559	14	2007	2007	NUM
fsr-3326	559	15	)	)	PUNCT
fsr-3326	559	16	.	.	PUNCT
fsr-3326	560	1	trust	trust	NOUN
fsr-3326	560	2	as	as	ADP
fsr-3326	560	3	an	an	DET
fsr-3326	560	4	emergent	emergent	ADJ
fsr-3326	560	5	phenomenon	phenomenon	NOUN
fsr-3326	560	6	in	in	ADP
fsr-3326	560	7	wealth	wealth	NOUN
fsr-3326	560	8	management	management	NOUN
fsr-3326	560	9	relationships	relationship	NOUN
fsr-3326	560	10	.	.	PUNCT
fsr-3326	561	1	global	global	ADJ
fsr-3326	561	2	business	business	NOUN
fsr-3326	561	3	and	and	CCONJ
fsr-3326	561	4	economics	economic	NOUN
fsr-3326	561	5	review	review	PROPN
fsr-3326	561	6	,	,	PUNCT
fsr-3326	561	7	9(4	9(4	NUM
fsr-3326	561	8	)	)	PUNCT
fsr-3326	561	9	,	,	PUNCT
fsr-3326	561	10	335	335	NUM
fsr-3326	561	11	-	-	SYM
fsr-3326	561	12	352	352	NUM
fsr-3326	561	13	.	.	PUNCT
fsr-3326	562	1	jensen	jensen	PROPN
fsr-3326	562	2	,	,	PUNCT
fsr-3326	562	3	m.	m.	PROPN
fsr-3326	562	4	c.	c.	PROPN
fsr-3326	562	5	,	,	PUNCT
fsr-3326	562	6	&	&	CCONJ
fsr-3326	562	7	meckling	meckling	PROPN
fsr-3326	562	8	,	,	PUNCT
fsr-3326	562	9	w.	w.	PROPN
fsr-3326	562	10	h.	h.	PROPN
fsr-3326	562	11	(	(	PUNCT
fsr-3326	562	12	1976	1976	NUM
fsr-3326	562	13	)	)	PUNCT
fsr-3326	562	14	.	.	PUNCT
fsr-3326	563	1	theory	theory	NOUN
fsr-3326	563	2	of	of	ADP
fsr-3326	563	3	the	the	DET
fsr-3326	563	4	firm	firm	NOUN
fsr-3326	563	5	:	:	PUNCT
fsr-3326	563	6	managerial	managerial	ADJ
fsr-3326	563	7	behavior	behavior	NOUN
fsr-3326	563	8	,	,	PUNCT
fsr-3326	563	9	agency	agency	NOUN
fsr-3326	563	10	costs	cost	NOUN
fsr-3326	563	11	and	and	CCONJ
fsr-3326	563	12	ownership	ownership	NOUN
fsr-3326	563	13	https://fpcanada.ca/docs/default-source/standards/standards-of-professional-responsibility.pdf	https://fpcanada.ca/docs/default-source/standards/standards-of-professional-responsibility.pdf	X
fsr-3326	563	14	https://fpcanada.ca/docs/default-source/standards/standards-of-professional-responsibility.pdf	https://fpcanada.ca/docs/default-source/standards/standards-of-professional-responsibility.pdf	X
fsr-3326	563	15	https://fpcanada.ca/docs/default-source/standards/standards-of-professional-responsibility.pdf	https://fpcanada.ca/docs/default-source/standards/standards-of-professional-responsibility.pdf	PROPN
fsr-3326	563	16	https://ssrn.com/abstract=1714863	https://ssrn.com/abstract=1714863	PROPN
fsr-3326	563	17	https://ssrn.com/abstract=1714863	https://ssrn.com/abstract=1714863	PROPN
fsr-3326	563	18	pilote	pilote	X
fsr-3326	563	19	et	et	PROPN
fsr-3326	563	20	al	al	PROPN
fsr-3326	563	21	.	.	PROPN
fsr-3326	563	22	50	50	NUM
fsr-3326	563	23	structure	structure	NOUN
fsr-3326	563	24	.	.	PUNCT
fsr-3326	564	1	journal	journal	NOUN
fsr-3326	564	2	of	of	ADP
fsr-3326	564	3	financial	financial	ADJ
fsr-3326	564	4	economics	economic	NOUN
fsr-3326	564	5	,	,	PUNCT
fsr-3326	564	6	3(4	3(4	NUM
fsr-3326	564	7	)	)	PUNCT
fsr-3326	564	8	,	,	PUNCT
fsr-3326	564	9	305	305	NUM
fsr-3326	564	10	-	-	SYM
fsr-3326	564	11	360	360	NUM
fsr-3326	564	12	.	.	PUNCT
fsr-3326	565	1	johnson	johnson	PROPN
fsr-3326	565	2	,	,	PUNCT
fsr-3326	565	3	d.	d.	PROPN
fsr-3326	565	4	,	,	PUNCT
fsr-3326	565	5	&	&	CCONJ
fsr-3326	565	6	grayson	grayson	PROPN
fsr-3326	565	7	,	,	PUNCT
fsr-3326	565	8	k.	k.	PROPN
fsr-3326	565	9	(	(	PUNCT
fsr-3326	565	10	2005	2005	NUM
fsr-3326	565	11	)	)	PUNCT
fsr-3326	565	12	.	.	PUNCT
fsr-3326	566	1	cognitive	cognitive	ADJ
fsr-3326	566	2	and	and	CCONJ
fsr-3326	566	3	affective	affective	ADJ
fsr-3326	566	4	trust	trust	NOUN
fsr-3326	566	5	in	in	ADP
fsr-3326	566	6	service	service	NOUN
fsr-3326	566	7	relationships	relationship	NOUN
fsr-3326	566	8	.	.	PUNCT
fsr-3326	567	1	journal	journal	NOUN
fsr-3326	567	2	of	of	ADP
fsr-3326	567	3	business	business	NOUN
fsr-3326	567	4	research	research	NOUN
fsr-3326	567	5	,	,	PUNCT
fsr-3326	567	6	58(4	58(4	NUM
fsr-3326	567	7	)	)	PUNCT
fsr-3326	567	8	,	,	PUNCT
fsr-3326	567	9	500	500	NUM
fsr-3326	567	10	-	-	SYM
fsr-3326	567	11	507	507	NUM
fsr-3326	567	12	.	.	PUNCT
fsr-3326	568	1	kim	kim	PROPN
fsr-3326	568	2	,	,	PUNCT
fsr-3326	568	3	k.	k.	PROPN
fsr-3326	568	4	t.	t.	PROPN
fsr-3326	568	5	,	,	PUNCT
fsr-3326	568	6	pak	pak	PROPN
fsr-3326	568	7	,	,	PUNCT
fsr-3326	568	8	t.	t.	PROPN
fsr-3326	568	9	y.	y.	PROPN
fsr-3326	568	10	,	,	PUNCT
fsr-3326	568	11	shin	shin	PROPN
fsr-3326	568	12	,	,	PUNCT
fsr-3326	568	13	s.	s.	PROPN
fsr-3326	568	14	h.	h.	PROPN
fsr-3326	568	15	,	,	PUNCT
fsr-3326	568	16	&	&	CCONJ
fsr-3326	568	17	hanna	hanna	PROPN
fsr-3326	568	18	,	,	PUNCT
fsr-3326	568	19	s.	s.	PROPN
fsr-3326	568	20	d.	d.	PROPN
fsr-3326	568	21	(	(	PUNCT
fsr-3326	568	22	2018	2018	NUM
fsr-3326	568	23	)	)	PUNCT
fsr-3326	568	24	.	.	PUNCT
fsr-3326	569	1	the	the	DET
fsr-3326	569	2	relationship	relationship	NOUN
fsr-3326	569	3	between	between	ADP
fsr-3326	569	4	financial	financial	ADJ
fsr-3326	569	5	planner	planner	NOUN
fsr-3326	569	6	use	use	NOUN
fsr-3326	569	7	and	and	CCONJ
fsr-3326	569	8	holding	hold	VERB
fsr-3326	569	9	a	a	DET
fsr-3326	569	10	retirement	retirement	NOUN
fsr-3326	569	11	saving	save	VERB
fsr-3326	569	12	goal	goal	NOUN
fsr-3326	569	13	:	:	PUNCT
fsr-3326	569	14	a	a	DET
fsr-3326	569	15	propensity	propensity	NOUN
fsr-3326	569	16	score	score	NOUN
fsr-3326	569	17	matching	match	VERB
fsr-3326	569	18	analysis	analysis	NOUN
fsr-3326	569	19	.	.	PUNCT
fsr-3326	570	1	financial	financial	ADJ
fsr-3326	570	2	planning	planning	NOUN
fsr-3326	570	3	review	review	NOUN
fsr-3326	570	4	,	,	PUNCT
fsr-3326	570	5	1(1	1(1	NUM
fsr-3326	570	6	-	-	SYM
fsr-3326	570	7	2	2	NUM
fsr-3326	570	8	)	)	PUNCT
fsr-3326	570	9	,	,	PUNCT
fsr-3326	570	10	e1008	e1008	PROPN
fsr-3326	570	11	.	.	PUNCT
fsr-3326	570	12	kingston	kingston	PROPN
fsr-3326	570	13	,	,	PUNCT
fsr-3326	570	14	g.	g.	PROPN
fsr-3326	570	15	,	,	PUNCT
fsr-3326	570	16	&	&	CCONJ
fsr-3326	570	17	weng	weng	PROPN
fsr-3326	570	18	,	,	PUNCT
fsr-3326	570	19	h.	h.	PROPN
fsr-3326	570	20	(	(	PUNCT
fsr-3326	570	21	2014	2014	NUM
fsr-3326	570	22	)	)	PUNCT
fsr-3326	570	23	.	.	PUNCT
fsr-3326	571	1	agency	agency	NOUN
fsr-3326	571	2	theory	theory	NOUN
fsr-3326	571	3	and	and	CCONJ
fsr-3326	571	4	financial	financial	ADJ
fsr-3326	571	5	planning	planning	NOUN
fsr-3326	571	6	practice	practice	NOUN
fsr-3326	571	7	.	.	PUNCT
fsr-3326	572	1	australian	australian	ADJ
fsr-3326	572	2	economic	economic	ADJ
fsr-3326	572	3	review	review	NOUN
fsr-3326	572	4	,	,	PUNCT
fsr-3326	572	5	47(3	47(3	NUM
fsr-3326	572	6	)	)	PUNCT
fsr-3326	572	7	,	,	PUNCT
fsr-3326	572	8	290	290	NUM
fsr-3326	572	9	-	-	SYM
fsr-3326	572	10	303	303	NUM
fsr-3326	572	11	.	.	PUNCT
fsr-3326	573	1	kramer	kramer	PROPN
fsr-3326	573	2	,	,	PUNCT
fsr-3326	573	3	m.	m.	NOUN
fsr-3326	573	4	m.	m.	NOUN
fsr-3326	573	5	(	(	PUNCT
fsr-3326	573	6	2012	2012	NUM
fsr-3326	573	7	)	)	PUNCT
fsr-3326	573	8	.	.	PUNCT
fsr-3326	574	1	financial	financial	ADJ
fsr-3326	574	2	advice	advice	NOUN
fsr-3326	574	3	and	and	CCONJ
fsr-3326	574	4	individual	individual	ADJ
fsr-3326	574	5	investor	investor	NOUN
fsr-3326	574	6	portfolio	portfolio	NOUN
fsr-3326	574	7	performance	performance	NOUN
fsr-3326	574	8	.	.	PUNCT
fsr-3326	575	1	financial	financial	ADJ
fsr-3326	575	2	management	management	NOUN
fsr-3326	575	3	,	,	PUNCT
fsr-3326	575	4	41(2	41(2	NUM
fsr-3326	575	5	)	)	PUNCT
fsr-3326	575	6	,	,	PUNCT
fsr-3326	575	7	395	395	NUM
fsr-3326	575	8	-	-	SYM
fsr-3326	575	9	428	428	NUM
fsr-3326	575	10	.	.	PUNCT
fsr-3326	575	11	krausz	krausz	PROPN
fsr-3326	575	12	,	,	PUNCT
fsr-3326	575	13	m.	m.	NOUN
fsr-3326	575	14	,	,	PUNCT
fsr-3326	575	15	&	&	CCONJ
fsr-3326	575	16	paroush	paroush	PROPN
fsr-3326	575	17	,	,	PUNCT
fsr-3326	575	18	j.	j.	PROPN
fsr-3326	575	19	(	(	PUNCT
fsr-3326	575	20	2002	2002	NUM
fsr-3326	575	21	)	)	PUNCT
fsr-3326	575	22	.	.	PUNCT
fsr-3326	576	1	financial	financial	ADJ
fsr-3326	576	2	advising	advising	NOUN
fsr-3326	576	3	in	in	ADP
fsr-3326	576	4	the	the	DET
fsr-3326	576	5	presence	presence	NOUN
fsr-3326	576	6	of	of	ADP
fsr-3326	576	7	conflict	conflict	NOUN
fsr-3326	576	8	of	of	ADP
fsr-3326	576	9	interests	interest	NOUN
fsr-3326	576	10	.	.	PUNCT
fsr-3326	577	1	journal	journal	PROPN
fsr-3326	577	2	of	of	ADP
fsr-3326	577	3	economics	economic	NOUN
fsr-3326	577	4	and	and	CCONJ
fsr-3326	577	5	business	business	NOUN
fsr-3326	577	6	,	,	PUNCT
fsr-3326	577	7	54(1	54(1	NUM
fsr-3326	577	8	)	)	PUNCT
fsr-3326	577	9	,	,	PUNCT
fsr-3326	577	10	55	55	NUM
fsr-3326	577	11	-	-	SYM
fsr-3326	577	12	71	71	NUM
fsr-3326	577	13	.	.	PUNCT
fsr-3326	578	1	lach	lach	PROPN
fsr-3326	578	2	,	,	PUNCT
fsr-3326	578	3	p.	p.	NOUN
fsr-3326	578	4	a.	a.	PROPN
fsr-3326	578	5	,	,	PUNCT
fsr-3326	578	6	flynn	flynn	PROPN
fsr-3326	578	7	,	,	PUNCT
fsr-3326	578	8	l.	l.	PROPN
fsr-3326	578	9	r.	r.	PROPN
fsr-3326	578	10	,	,	PUNCT
fsr-3326	578	11	&	&	CCONJ
fsr-3326	578	12	kelly	kelly	PROPN
fsr-3326	578	13	,	,	PUNCT
fsr-3326	578	14	g.	g.	PROPN
fsr-3326	578	15	w.	w.	PROPN
fsr-3326	578	16	(	(	PUNCT
fsr-3326	578	17	2019	2019	NUM
fsr-3326	578	18	)	)	PUNCT
fsr-3326	578	19	.	.	PUNCT
fsr-3326	579	1	brokers	broker	NOUN
fsr-3326	579	2	or	or	CCONJ
fsr-3326	579	3	investment	investment	NOUN
fsr-3326	579	4	advisers	adviser	NOUN
fsr-3326	579	5	?	?	PUNCT
fsr-3326	580	1	the	the	DET
fsr-3326	580	2	us	us	PROPN
fsr-3326	580	3	public	public	ADJ
fsr-3326	580	4	perception	perception	NOUN
fsr-3326	580	5	.	.	PUNCT
fsr-3326	581	1	financial	financial	ADJ
fsr-3326	581	2	analysts	analyst	NOUN
fsr-3326	581	3	journal	journal	NOUN
fsr-3326	581	4	,	,	PUNCT
fsr-3326	581	5	75(3	75(3	NUM
fsr-3326	581	6	)	)	PUNCT
fsr-3326	581	7	,	,	PUNCT
fsr-3326	581	8	125	125	NUM
fsr-3326	581	9	-	-	SYM
fsr-3326	581	10	131	131	NUM
fsr-3326	581	11	.	.	PUNCT
fsr-3326	582	1	lachance	lachance	PROPN
fsr-3326	582	2	,	,	PUNCT
fsr-3326	582	3	m.-e	m.-e	PROPN
fsr-3326	582	4	.	.	PUNCT
fsr-3326	582	5	,	,	PUNCT
fsr-3326	582	6	&	&	CCONJ
fsr-3326	582	7	tang	tang	PROPN
fsr-3326	582	8	,	,	PUNCT
fsr-3326	582	9	n.	n.	NOUN
fsr-3326	582	10	(	(	PUNCT
fsr-3326	582	11	2012	2012	NUM
fsr-3326	582	12	)	)	PUNCT
fsr-3326	582	13	.	.	PUNCT
fsr-3326	583	1	financial	financial	ADJ
fsr-3326	583	2	advice	advice	NOUN
fsr-3326	583	3	and	and	CCONJ
fsr-3326	583	4	trust	trust	NOUN
fsr-3326	583	5	.	.	PUNCT
fsr-3326	584	1	financial	financial	ADJ
fsr-3326	584	2	services	services	PROPN
fsr-3326	584	3	review	review	PROPN
fsr-3326	584	4	,	,	PUNCT
fsr-3326	584	5	21(3	21(3	NUM
fsr-3326	584	6	)	)	PUNCT
fsr-3326	584	7	.	.	PUNCT
fsr-3326	585	1	lai	lai	PROPN
fsr-3326	585	2	,	,	PUNCT
fsr-3326	585	3	k.	k.	PROPN
fsr-3326	586	1	p.	p.	PROPN
fsr-3326	586	2	(	(	PUNCT
fsr-3326	586	3	2016	2016	NUM
fsr-3326	586	4	)	)	PUNCT
fsr-3326	586	5	.	.	PUNCT
fsr-3326	587	1	financial	financial	ADJ
fsr-3326	587	2	advisors	advisor	NOUN
fsr-3326	587	3	,	,	PUNCT
fsr-3326	587	4	financial	financial	ADJ
fsr-3326	587	5	ecologies	ecology	NOUN
fsr-3326	587	6	and	and	CCONJ
fsr-3326	587	7	the	the	DET
fsr-3326	587	8	variegated	variegate	VERB
fsr-3326	587	9	financialisation	financialisation	NOUN
fsr-3326	587	10	of	of	ADP
fsr-3326	587	11	everyday	everyday	ADJ
fsr-3326	587	12	investors	investor	NOUN
fsr-3326	587	13	.	.	PUNCT
fsr-3326	588	1	transactions	transaction	NOUN
fsr-3326	588	2	of	of	ADP
fsr-3326	588	3	the	the	DET
fsr-3326	588	4	institute	institute	NOUN
fsr-3326	588	5	of	of	ADP
fsr-3326	588	6	british	british	PROPN
fsr-3326	588	7	geographers	geographers	PROPN
fsr-3326	588	8	,	,	PUNCT
fsr-3326	588	9	41(1	41(1	NUM
fsr-3326	588	10	)	)	PUNCT
fsr-3326	588	11	,	,	PUNCT
fsr-3326	588	12	27	27	NUM
fsr-3326	588	13	-	-	SYM
fsr-3326	588	14	40	40	NUM
fsr-3326	588	15	.	.	PUNCT
fsr-3326	589	1	lei	lei	PROPN
fsr-3326	589	2	,	,	PUNCT
fsr-3326	589	3	s.	s.	PROPN
fsr-3326	589	4	(	(	PUNCT
fsr-3326	589	5	2019	2019	NUM
fsr-3326	589	6	)	)	PUNCT
fsr-3326	589	7	.	.	PUNCT
fsr-3326	590	1	financial	financial	ADJ
fsr-3326	590	2	advice	advice	NOUN
fsr-3326	590	3	and	and	CCONJ
fsr-3326	590	4	individual	individual	ADJ
fsr-3326	590	5	investors	investor	NOUN
fsr-3326	590	6	’	’	PART
fsr-3326	590	7	investment	investment	NOUN
fsr-3326	590	8	decisions	decision	NOUN
fsr-3326	590	9	.	.	PUNCT
fsr-3326	591	1	applied	apply	VERB
fsr-3326	591	2	economics	economic	NOUN
fsr-3326	591	3	letters	letter	NOUN
fsr-3326	591	4	,	,	PUNCT
fsr-3326	591	5	26(13	26(13	NUM
fsr-3326	591	6	)	)	PUNCT
fsr-3326	591	7	,	,	PUNCT
fsr-3326	591	8	1129	1129	NUM
fsr-3326	591	9	-	-	SYM
fsr-3326	591	10	1132	1132	NUM
fsr-3326	591	11	.	.	PUNCT
fsr-3326	592	1	linnainmaa	linnainmaa	PROPN
fsr-3326	592	2	,	,	PUNCT
fsr-3326	592	3	j.	j.	PROPN
fsr-3326	592	4	t.	t.	PROPN
fsr-3326	592	5	,	,	PUNCT
fsr-3326	592	6	melzer	melzer	PROPN
fsr-3326	592	7	,	,	PUNCT
fsr-3326	592	8	b.	b.	PROPN
fsr-3326	592	9	,	,	PUNCT
fsr-3326	592	10	previtero	previtero	PROPN
fsr-3326	592	11	,	,	PUNCT
fsr-3326	592	12	a.	a.	PROPN
fsr-3326	592	13	,	,	PUNCT
fsr-3326	592	14	&	&	CCONJ
fsr-3326	592	15	foerster	foerster	PROPN
fsr-3326	592	16	,	,	PUNCT
fsr-3326	592	17	s.	s.	PROPN
fsr-3326	592	18	(	(	PUNCT
fsr-3326	592	19	2018	2018	NUM
fsr-3326	592	20	)	)	PUNCT
fsr-3326	592	21	.	.	PUNCT
fsr-3326	593	1	financial	financial	ADJ
fsr-3326	593	2	advisors	advisor	NOUN
fsr-3326	593	3	and	and	CCONJ
fsr-3326	593	4	risk	risk	NOUN
fsr-3326	593	5	-	-	PUNCT
fsr-3326	593	6	taking	taking	NOUN
fsr-3326	593	7	.	.	PUNCT
fsr-3326	594	1	unpublished	unpublished	ADJ
fsr-3326	594	2	manuscript	manuscript	NOUN
fsr-3326	594	3	.	.	PUNCT
fsr-3326	595	1	https://www.aleprevitero.com/wpcontent/uploads/2019/10/029_previtero	https://www.aleprevitero.com/wpcontent/uploads/2019/10/029_previtero	NOUN
fsr-3326	595	2	_	_	PRON
fsr-3326	595	3	wp_financialadvicerisktaking.pdf	wp_financialadvicerisktaking.pdf	PROPN
fsr-3326	595	4	liu	liu	PROPN
fsr-3326	595	5	,	,	PUNCT
fsr-3326	595	6	f.	f.	PROPN
fsr-3326	595	7	,	,	PUNCT
fsr-3326	595	8	yilmazer	yilmazer	NOUN
fsr-3326	595	9	,	,	PUNCT
fsr-3326	595	10	t.	t.	PROPN
fsr-3326	595	11	,	,	PUNCT
fsr-3326	595	12	loibl	loibl	PROPN
fsr-3326	595	13	,	,	PUNCT
fsr-3326	595	14	c.	c.	PROPN
fsr-3326	595	15	,	,	PUNCT
fsr-3326	595	16	&	&	CCONJ
fsr-3326	595	17	montalto	montalto	PROPN
fsr-3326	595	18	,	,	PUNCT
fsr-3326	595	19	c.	c.	PROPN
fsr-3326	595	20	(	(	PUNCT
fsr-3326	595	21	2019	2019	NUM
fsr-3326	595	22	)	)	PUNCT
fsr-3326	595	23	.	.	PUNCT
fsr-3326	596	1	professional	professional	ADJ
fsr-3326	596	2	financial	financial	ADJ
fsr-3326	596	3	advice	advice	NOUN
fsr-3326	596	4	,	,	PUNCT
fsr-3326	596	5	self‐control	self‐control	NOUN
fsr-3326	596	6	and	and	CCONJ
fsr-3326	596	7	saving	save	VERB
fsr-3326	596	8	behavior	behavior	NOUN
fsr-3326	596	9	.	.	PUNCT
fsr-3326	597	1	international	international	ADJ
fsr-3326	597	2	journal	journal	PROPN
fsr-3326	597	3	of	of	ADP
fsr-3326	597	4	consumer	consumer	NOUN
fsr-3326	597	5	studies	study	NOUN
fsr-3326	597	6	,	,	PUNCT
fsr-3326	597	7	43(1	43(1	NOUN
fsr-3326	597	8	)	)	PUNCT
fsr-3326	597	9	,	,	PUNCT
fsr-3326	597	10	23	23	NUM
fsr-3326	597	11	-	-	SYM
fsr-3326	597	12	34	34	NUM
fsr-3326	597	13	.	.	PUNCT
fsr-3326	598	1	liu	liu	PROPN
fsr-3326	598	2	,	,	PUNCT
fsr-3326	598	3	w.	w.	PROPN
fsr-3326	598	4	l.	l.	PROPN
fsr-3326	598	5	(	(	PUNCT
fsr-3326	598	6	2005	2005	NUM
fsr-3326	598	7	)	)	PUNCT
fsr-3326	598	8	.	.	PUNCT
fsr-3326	599	1	motivating	motivating	NOUN
fsr-3326	599	2	and	and	CCONJ
fsr-3326	599	3	compensating	compensate	VERB
fsr-3326	599	4	investment	investment	NOUN
fsr-3326	599	5	advisors	advisor	NOUN
fsr-3326	599	6	.	.	PUNCT
fsr-3326	600	1	the	the	DET
fsr-3326	600	2	journal	journal	NOUN
fsr-3326	600	3	of	of	ADP
fsr-3326	600	4	business	business	NOUN
fsr-3326	600	5	,	,	PUNCT
fsr-3326	600	6	78(6	78(6	NOUN
fsr-3326	600	7	)	)	PUNCT
fsr-3326	600	8	,	,	PUNCT
fsr-3326	600	9	2317	2317	NUM
fsr-3326	600	10	-	-	SYM
fsr-3326	600	11	2350	2350	NUM
fsr-3326	600	12	.	.	PUNCT
fsr-3326	601	1	lusardi	lusardi	PROPN
fsr-3326	601	2	,	,	PUNCT
fsr-3326	601	3	a.	a.	PROPN
fsr-3326	601	4	,	,	PUNCT
fsr-3326	601	5	&	&	CCONJ
fsr-3326	601	6	mitchell	mitchell	PROPN
fsr-3326	601	7	,	,	PUNCT
fsr-3326	601	8	o.	o.	PROPN
fsr-3326	601	9	s.	s.	PROPN
fsr-3326	601	10	(	(	PUNCT
fsr-3326	601	11	2011	2011	NUM
fsr-3326	601	12	)	)	PUNCT
fsr-3326	601	13	.	.	PUNCT
fsr-3326	602	1	financial	financial	ADJ
fsr-3326	602	2	literacy	literacy	NOUN
fsr-3326	602	3	and	and	CCONJ
fsr-3326	602	4	retirement	retirement	NOUN
fsr-3326	602	5	planning	planning	NOUN
fsr-3326	602	6	in	in	ADP
fsr-3326	602	7	the	the	DET
fsr-3326	602	8	united	united	PROPN
fsr-3326	602	9	states	states	PROPN
fsr-3326	602	10	.	.	PUNCT
fsr-3326	603	1	journal	journal	PROPN
fsr-3326	603	2	of	of	ADP
fsr-3326	603	3	pension	pension	NOUN
fsr-3326	603	4	economics	economic	NOUN
fsr-3326	603	5	&	&	CCONJ
fsr-3326	603	6	finance	finance	PROPN
fsr-3326	603	7	,	,	PUNCT
fsr-3326	603	8	10(4	10(4	NUM
fsr-3326	603	9	)	)	PUNCT
fsr-3326	603	10	,	,	PUNCT
fsr-3326	603	11	509	509	NUM
fsr-3326	603	12	-	-	SYM
fsr-3326	603	13	525	525	NUM
fsr-3326	603	14	.	.	PUNCT
fsr-3326	604	1	lusardi	lusardi	PROPN
fsr-3326	604	2	,	,	PUNCT
fsr-3326	604	3	a.	a.	PROPN
fsr-3326	604	4	,	,	PUNCT
fsr-3326	604	5	&	&	CCONJ
fsr-3326	604	6	mitchell	mitchell	PROPN
fsr-3326	604	7	,	,	PUNCT
fsr-3326	604	8	o.	o.	PROPN
fsr-3326	604	9	s.	s.	PROPN
fsr-3326	604	10	(	(	PUNCT
fsr-3326	604	11	2014	2014	NUM
fsr-3326	604	12	)	)	PUNCT
fsr-3326	604	13	.	.	PUNCT
fsr-3326	605	1	the	the	DET
fsr-3326	605	2	economic	economic	ADJ
fsr-3326	605	3	importance	importance	NOUN
fsr-3326	605	4	of	of	ADP
fsr-3326	605	5	financial	financial	ADJ
fsr-3326	605	6	literacy	literacy	NOUN
fsr-3326	605	7	:	:	PUNCT
fsr-3326	605	8	theory	theory	NOUN
fsr-3326	605	9	and	and	CCONJ
fsr-3326	605	10	evidence	evidence	NOUN
fsr-3326	605	11	.	.	PUNCT
fsr-3326	606	1	journal	journal	NOUN
fsr-3326	606	2	of	of	ADP
fsr-3326	606	3	economic	economic	ADJ
fsr-3326	606	4	literature	literature	NOUN
fsr-3326	606	5	,	,	PUNCT
fsr-3326	606	6	52(1	52(1	NOUN
fsr-3326	606	7	)	)	PUNCT
fsr-3326	606	8	,	,	PUNCT
fsr-3326	606	9	5	5	NUM
fsr-3326	606	10	-	-	SYM
fsr-3326	606	11	44	44	NUM
fsr-3326	606	12	.	.	PUNCT
fsr-3326	607	1	mackinger	mackinger	PROPN
fsr-3326	607	2	,	,	PUNCT
fsr-3326	607	3	b.	b.	PROPN
fsr-3326	607	4	,	,	PUNCT
fsr-3326	607	5	jonas	jonas	PROPN
fsr-3326	607	6	,	,	PUNCT
fsr-3326	607	7	e.	e.	PROPN
fsr-3326	607	8	,	,	PUNCT
fsr-3326	607	9	&	&	CCONJ
fsr-3326	607	10	mühlberger	mühlberger	PROPN
fsr-3326	607	11	,	,	PUNCT
fsr-3326	607	12	c.	c.	NOUN
fsr-3326	607	13	(	(	PUNCT
fsr-3326	607	14	2017	2017	NUM
fsr-3326	607	15	)	)	PUNCT
fsr-3326	607	16	.	.	PUNCT
fsr-3326	608	1	when	when	SCONJ
fsr-3326	608	2	advisors	advisor	NOUN
fsr-3326	608	3	’	'	PUNCT
fsr-3326	608	4	true	true	ADJ
fsr-3326	608	5	intentions	intention	NOUN
fsr-3326	608	6	are	be	AUX
fsr-3326	608	7	in	in	ADP
fsr-3326	608	8	question	question	NOUN
fsr-3326	608	9	.	.	PUNCT
fsr-3326	609	1	how	how	SCONJ
fsr-3326	609	2	do	do	AUX
fsr-3326	609	3	bank	bank	NOUN
fsr-3326	609	4	customers	customer	NOUN
fsr-3326	609	5	cope	cope	VERB
fsr-3326	609	6	with	with	ADP
fsr-3326	609	7	uncertainty	uncertainty	NOUN
fsr-3326	609	8	in	in	ADP
fsr-3326	609	9	financial	financial	ADJ
fsr-3326	609	10	consultancies	consultancy	NOUN
fsr-3326	609	11	?	?	PUNCT
fsr-3326	609	12	.	.	PUNCT
fsr-3326	610	1	frontiers	frontier	NOUN
fsr-3326	610	2	in	in	ADP
fsr-3326	610	3	psychology	psychology	NOUN
fsr-3326	610	4	,	,	PUNCT
fsr-3326	610	5	8	8	NUM
fsr-3326	610	6	,	,	PUNCT
fsr-3326	610	7	219401	219401	NUM
fsr-3326	610	8	.	.	PUNCT
fsr-3326	611	1	marsden	marsden	PROPN
fsr-3326	611	2	,	,	PUNCT
fsr-3326	611	3	m.	m.	NOUN
fsr-3326	611	4	,	,	PUNCT
fsr-3326	611	5	zick	zick	PROPN
fsr-3326	611	6	,	,	PUNCT
fsr-3326	611	7	c.	c.	PROPN
fsr-3326	611	8	d.	d.	PROPN
fsr-3326	611	9	,	,	PUNCT
fsr-3326	611	10	&	&	CCONJ
fsr-3326	611	11	mayer	mayer	PROPN
fsr-3326	611	12	,	,	PUNCT
fsr-3326	611	13	r.	r.	PROPN
fsr-3326	611	14	n.	n.	PROPN
fsr-3326	611	15	(	(	PUNCT
fsr-3326	611	16	2011	2011	NUM
fsr-3326	611	17	)	)	PUNCT
fsr-3326	611	18	.	.	PUNCT
fsr-3326	612	1	the	the	DET
fsr-3326	612	2	value	value	NOUN
fsr-3326	612	3	of	of	ADP
fsr-3326	612	4	seeking	seek	VERB
fsr-3326	612	5	financial	financial	ADJ
fsr-3326	612	6	advice	advice	NOUN
fsr-3326	612	7	.	.	PUNCT
fsr-3326	613	1	journal	journal	NOUN
fsr-3326	613	2	of	of	ADP
fsr-3326	613	3	family	family	NOUN
fsr-3326	613	4	and	and	CCONJ
fsr-3326	613	5	economic	economic	ADJ
fsr-3326	613	6	issues	issue	NOUN
fsr-3326	613	7	,	,	PUNCT
fsr-3326	613	8	32(4	32(4	NUM
fsr-3326	613	9	)	)	PUNCT
fsr-3326	613	10	,	,	PUNCT
fsr-3326	613	11	625	625	NUM
fsr-3326	613	12	-	-	SYM
fsr-3326	613	13	643	643	NUM
fsr-3326	613	14	.	.	PUNCT
fsr-3326	614	1	martin	martin	PROPN
fsr-3326	614	2	,	,	PUNCT
fsr-3326	614	3	t.	t.	PROPN
fsr-3326	614	4	k.	k.	PROPN
fsr-3326	614	5	j.	j.	PROPN
fsr-3326	614	6	,	,	PUNCT
fsr-3326	614	7	&	&	CCONJ
fsr-3326	614	8	finke	finke	PROPN
fsr-3326	614	9	,	,	PUNCT
fsr-3326	614	10	m.	m.	NOUN
fsr-3326	614	11	(	(	PUNCT
fsr-3326	614	12	2014	2014	NUM
fsr-3326	614	13	)	)	PUNCT
fsr-3326	614	14	.	.	PUNCT
fsr-3326	615	1	a	a	DET
fsr-3326	615	2	comparison	comparison	NOUN
fsr-3326	615	3	of	of	ADP
fsr-3326	615	4	retirement	retirement	NOUN
fsr-3326	615	5	strategies	strategy	NOUN
fsr-3326	615	6	and	and	CCONJ
fsr-3326	615	7	financial	financial	ADJ
fsr-3326	615	8	planner	planner	NOUN
fsr-3326	615	9	value	value	NOUN
fsr-3326	615	10	.	.	PUNCT
fsr-3326	616	1	journal	journal	NOUN
fsr-3326	616	2	of	of	ADP
fsr-3326	616	3	financial	financial	ADJ
fsr-3326	616	4	planning	planning	NOUN
fsr-3326	616	5	,	,	PUNCT
fsr-3326	616	6	27(11	27(11	NUM
fsr-3326	616	7	)	)	PUNCT
fsr-3326	616	8	,	,	PUNCT
fsr-3326	616	9	46	46	NUM
fsr-3326	616	10	.	.	PUNCT
fsr-3326	617	1	mayer	mayer	PROPN
fsr-3326	617	2	,	,	PUNCT
fsr-3326	617	3	r.	r.	PROPN
fsr-3326	617	4	c.	c.	PROPN
fsr-3326	617	5	,	,	PUNCT
fsr-3326	617	6	davis	davis	PROPN
fsr-3326	617	7	,	,	PUNCT
fsr-3326	617	8	j.	j.	PROPN
fsr-3326	617	9	h.	h.	PROPN
fsr-3326	617	10	,	,	PUNCT
fsr-3326	617	11	&	&	CCONJ
fsr-3326	617	12	schoorman	schoorman	PROPN
fsr-3326	617	13	,	,	PUNCT
fsr-3326	617	14	f.	f.	PROPN
fsr-3326	617	15	d.	d.	PROPN
fsr-3326	617	16	(	(	PUNCT
fsr-3326	617	17	1995	1995	NUM
fsr-3326	617	18	)	)	PUNCT
fsr-3326	617	19	.	.	PUNCT
fsr-3326	618	1	integrative	integrative	ADJ
fsr-3326	618	2	model	model	NOUN
fsr-3326	618	3	of	of	ADP
fsr-3326	618	4	organizational	organizational	ADJ
fsr-3326	618	5	trust	trust	NOUN
fsr-3326	618	6	.	.	PUNCT
fsr-3326	619	1	academy	academy	PROPN
fsr-3326	619	2	of	of	ADP
fsr-3326	619	3	management	management	PROPN
fsr-3326	619	4	review	review	PROPN
fsr-3326	619	5	,	,	PUNCT
fsr-3326	619	6	20(3	20(3	NOUN
fsr-3326	619	7	)	)	PUNCT
fsr-3326	619	8	,	,	PUNCT
fsr-3326	619	9	709	709	NUM
fsr-3326	619	10	-	-	SYM
fsr-3326	619	11	734	734	NUM
fsr-3326	619	12	.	.	PUNCT
fsr-3326	620	1	mietzner	mietzner	ADJ
fsr-3326	620	2	,	,	PUNCT
fsr-3326	620	3	m.	m.	NOUN
fsr-3326	620	4	,	,	PUNCT
fsr-3326	620	5	&	&	CCONJ
fsr-3326	620	6	molterer	molterer	PROPN
fsr-3326	620	7	,	,	PUNCT
fsr-3326	620	8	m.	m.	NOUN
fsr-3326	620	9	(	(	PUNCT
fsr-3326	620	10	2018	2018	NUM
fsr-3326	620	11	)	)	PUNCT
fsr-3326	620	12	.	.	PUNCT
fsr-3326	621	1	you	you	PRON
fsr-3326	621	2	might	might	AUX
fsr-3326	621	3	not	not	PART
fsr-3326	621	4	get	get	VERB
fsr-3326	621	5	what	what	PRON
fsr-3326	621	6	you	you	PRON
fsr-3326	621	7	need	need	VERB
fsr-3326	621	8	:	:	PUNCT
fsr-3326	621	9	the	the	DET
fsr-3326	621	10	discrepancy	discrepancy	NOUN
fsr-3326	621	11	between	between	ADP
fsr-3326	621	12	financial	financial	ADJ
fsr-3326	621	13	advice	advice	NOUN
fsr-3326	621	14	and	and	CCONJ
fsr-3326	621	15	commissions	commission	NOUN
fsr-3326	621	16	in	in	ADP
fsr-3326	621	17	germany	germany	PROPN
fsr-3326	621	18	.	.	PUNCT
fsr-3326	622	1	economics	economic	NOUN
fsr-3326	622	2	letters	letter	NOUN
fsr-3326	622	3	,	,	PUNCT
fsr-3326	622	4	162	162	NUM
fsr-3326	622	5	,	,	PUNCT
fsr-3326	622	6	167	167	NUM
fsr-3326	622	7	-	-	SYM
fsr-3326	622	8	170	170	NUM
fsr-3326	622	9	.	.	PUNCT
fsr-3326	623	1	monti	monti	PROPN
fsr-3326	623	2	,	,	PUNCT
fsr-3326	623	3	m.	m.	NOUN
fsr-3326	623	4	,	,	PUNCT
fsr-3326	623	5	pelligra	pelligra	PROPN
fsr-3326	623	6	,	,	PUNCT
fsr-3326	623	7	v.	v.	PROPN
fsr-3326	623	8	,	,	PUNCT
fsr-3326	623	9	martignon	martignon	PROPN
fsr-3326	623	10	,	,	PUNCT
fsr-3326	623	11	l.	l.	PROPN
fsr-3326	623	12	,	,	PUNCT
fsr-3326	623	13	&	&	CCONJ
fsr-3326	623	14	berg	berg	PROPN
fsr-3326	623	15	,	,	PUNCT
fsr-3326	623	16	n.	n.	PROPN
fsr-3326	623	17	(	(	PUNCT
fsr-3326	623	18	2014	2014	NUM
fsr-3326	623	19	)	)	PUNCT
fsr-3326	623	20	.	.	PUNCT
fsr-3326	624	1	retail	retail	ADJ
fsr-3326	624	2	investors	investor	NOUN
fsr-3326	624	3	and	and	CCONJ
fsr-3326	624	4	financial	financial	ADJ
fsr-3326	624	5	advisors	advisor	NOUN
fsr-3326	624	6	:	:	PUNCT
fsr-3326	624	7	new	new	ADJ
fsr-3326	624	8	evidence	evidence	NOUN
fsr-3326	624	9	on	on	ADP
fsr-3326	624	10	trust	trust	NOUN
fsr-3326	624	11	and	and	CCONJ
fsr-3326	624	12	advice	advice	NOUN
fsr-3326	624	13	taking	take	VERB
fsr-3326	624	14	heuristics	heuristic	NOUN
fsr-3326	624	15	.	.	PUNCT
fsr-3326	625	1	journal	journal	PROPN
fsr-3326	625	2	of	of	ADP
fsr-3326	625	3	business	business	NOUN
fsr-3326	625	4	research	research	NOUN
fsr-3326	625	5	,	,	PUNCT
fsr-3326	625	6	67(8	67(8	NUM
fsr-3326	625	7	)	)	PUNCT
fsr-3326	625	8	,	,	PUNCT
fsr-3326	625	9	1749	1749	NUM
fsr-3326	625	10	-	-	SYM
fsr-3326	625	11	1757	1757	NUM
fsr-3326	625	12	.	.	PUNCT
fsr-3326	626	1	montmarquette	montmarquette	PROPN
fsr-3326	626	2	,	,	PUNCT
fsr-3326	626	3	c.	c.	PROPN
fsr-3326	626	4	,	,	PUNCT
fsr-3326	626	5	&	&	CCONJ
fsr-3326	626	6	viennot	viennot	PROPN
fsr-3326	626	7	-	-	PUNCT
fsr-3326	626	8	briot	briot	NOUN
fsr-3326	626	9	,	,	PUNCT
fsr-3326	626	10	n.	n.	NOUN
fsr-3326	626	11	(	(	PUNCT
fsr-3326	626	12	2015	2015	NUM
fsr-3326	626	13	)	)	PUNCT
fsr-3326	626	14	.	.	PUNCT
fsr-3326	627	1	the	the	DET
fsr-3326	627	2	value	value	NOUN
fsr-3326	627	3	of	of	ADP
fsr-3326	627	4	financial	financial	ADJ
fsr-3326	627	5	advice	advice	NOUN
fsr-3326	627	6	.	.	PUNCT
fsr-3326	628	1	annals	annal	NOUN
fsr-3326	628	2	of	of	ADP
fsr-3326	628	3	economics	economic	NOUN
fsr-3326	628	4	and	and	CCONJ
fsr-3326	628	5	finance	finance	NOUN
fsr-3326	628	6	,	,	PUNCT
fsr-3326	628	7	16(1	16(1	NUM
fsr-3326	628	8	)	)	PUNCT
fsr-3326	628	9	,	,	PUNCT
fsr-3326	628	10	69	69	NUM
fsr-3326	628	11	-	-	SYM
fsr-3326	628	12	94	94	NUM
fsr-3326	628	13	.	.	PUNCT
fsr-3326	629	1	montmarquette	montmarquette	PROPN
fsr-3326	629	2	,	,	PUNCT
fsr-3326	629	3	c.	c.	PROPN
fsr-3326	629	4	,	,	PUNCT
fsr-3326	629	5	&	&	CCONJ
fsr-3326	629	6	viennot	viennot	PROPN
fsr-3326	629	7	-	-	PUNCT
fsr-3326	629	8	briot	briot	NOUN
fsr-3326	629	9	,	,	PUNCT
fsr-3326	629	10	n.	n.	NOUN
fsr-3326	629	11	(	(	PUNCT
fsr-3326	629	12	2019	2019	NUM
fsr-3326	629	13	)	)	PUNCT
fsr-3326	629	14	.	.	PUNCT
fsr-3326	630	1	the	the	DET
fsr-3326	630	2	gamma	gamma	PROPN
fsr-3326	630	3	factors	factor	NOUN
fsr-3326	630	4	and	and	CCONJ
fsr-3326	630	5	the	the	DET
fsr-3326	630	6	value	value	NOUN
fsr-3326	630	7	of	of	ADP
fsr-3326	630	8	financial	financial	ADJ
fsr-3326	630	9	advice	advice	NOUN
fsr-3326	630	10	.	.	PUNCT
fsr-3326	631	1	annals	annal	NOUN
fsr-3326	631	2	of	of	ADP
fsr-3326	631	3	economics	economic	NOUN
fsr-3326	631	4	and	and	CCONJ
fsr-3326	631	5	finance	finance	NOUN
fsr-3326	631	6	,	,	PUNCT
fsr-3326	631	7	20(1	20(1	NUM
fsr-3326	631	8	)	)	PUNCT
fsr-3326	631	9	,	,	PUNCT
fsr-3326	631	10	387	387	NUM
fsr-3326	631	11	-	-	SYM
fsr-3326	631	12	411	411	NUM
fsr-3326	631	13	.	.	PUNCT
fsr-3326	632	1	moreland	moreland	PROPN
fsr-3326	632	2	,	,	PUNCT
fsr-3326	632	3	k.	k.	PROPN
fsr-3326	632	4	a.	a.	PROPN
fsr-3326	632	5	(	(	PUNCT
fsr-3326	632	6	2018	2018	NUM
fsr-3326	632	7	)	)	PUNCT
fsr-3326	632	8	.	.	PUNCT
fsr-3326	633	1	seeking	seek	VERB
fsr-3326	633	2	financial	financial	ADJ
fsr-3326	633	3	advice	advice	NOUN
fsr-3326	633	4	and	and	CCONJ
fsr-3326	633	5	other	other	ADJ
fsr-3326	633	6	desirable	desirable	ADJ
fsr-3326	633	7	financial	financial	ADJ
fsr-3326	633	8	behaviors	behavior	NOUN
fsr-3326	633	9	.	.	PUNCT
fsr-3326	634	1	journal	journal	NOUN
fsr-3326	634	2	of	of	ADP
fsr-3326	634	3	financial	financial	ADJ
fsr-3326	634	4	counseling	counseling	NOUN
fsr-3326	634	5	and	and	CCONJ
fsr-3326	634	6	planning	planning	NOUN
fsr-3326	634	7	,	,	PUNCT
fsr-3326	634	8	29(2	29(2	NUM
fsr-3326	634	9	)	)	PUNCT
fsr-3326	634	10	,	,	PUNCT
fsr-3326	634	11	198207	198207	NUM
fsr-3326	634	12	.	.	PUNCT
fsr-3326	635	1	financial	financial	ADJ
fsr-3326	635	2	services	service	NOUN
fsr-3326	635	3	review	review	PROPN
fsr-3326	635	4	,	,	PUNCT
fsr-3326	635	5	32(3	32(3	NUM
fsr-3326	635	6	)	)	PUNCT
fsr-3326	635	7	51	51	NUM
fsr-3326	635	8	mountain	mountain	NOUN
fsr-3326	635	9	,	,	PUNCT
fsr-3326	635	10	t.	t.	PROPN
fsr-3326	635	11	p.	p.	PROPN
fsr-3326	635	12	,	,	PUNCT
fsr-3326	635	13	kim	kim	PROPN
fsr-3326	635	14	,	,	PUNCT
fsr-3326	635	15	n.	n.	PROPN
fsr-3326	635	16	,	,	PUNCT
fsr-3326	635	17	serido	serido	PRON
fsr-3326	635	18	,	,	PUNCT
fsr-3326	635	19	j.	j.	PROPN
fsr-3326	635	20	,	,	PUNCT
fsr-3326	635	21	&	&	CCONJ
fsr-3326	635	22	shim	shim	NOUN
fsr-3326	635	23	,	,	PUNCT
fsr-3326	635	24	s.	s.	PROPN
fsr-3326	635	25	(	(	PUNCT
fsr-3326	635	26	2021	2021	NUM
fsr-3326	635	27	)	)	PUNCT
fsr-3326	635	28	.	.	PUNCT
fsr-3326	636	1	does	do	VERB
fsr-3326	636	2	type	type	NOUN
fsr-3326	636	3	of	of	ADP
fsr-3326	636	4	financial	financial	ADJ
fsr-3326	636	5	learning	learning	NOUN
fsr-3326	636	6	matter	matter	NOUN
fsr-3326	636	7	for	for	ADP
fsr-3326	636	8	young	young	ADJ
fsr-3326	636	9	adults	adult	NOUN
fsr-3326	636	10	’	'	PUNCT
fsr-3326	636	11	objective	objective	ADJ
fsr-3326	636	12	financial	financial	ADJ
fsr-3326	636	13	knowledge	knowledge	NOUN
fsr-3326	636	14	and	and	CCONJ
fsr-3326	636	15	financial	financial	ADJ
fsr-3326	636	16	behaviors	behavior	NOUN
fsr-3326	636	17	?	?	PUNCT
fsr-3326	637	1	a	a	DET
fsr-3326	637	2	longitudinal	longitudinal	ADJ
fsr-3326	637	3	and	and	CCONJ
fsr-3326	637	4	mediation	mediation	NOUN
fsr-3326	637	5	analysis	analysis	NOUN
fsr-3326	637	6	.	.	PUNCT
fsr-3326	638	1	journal	journal	NOUN
fsr-3326	638	2	of	of	ADP
fsr-3326	638	3	family	family	NOUN
fsr-3326	638	4	and	and	CCONJ
fsr-3326	638	5	economic	economic	ADJ
fsr-3326	638	6	issues	issue	NOUN
fsr-3326	638	7	,	,	PUNCT
fsr-3326	638	8	42(1	42(1	NOUN
fsr-3326	638	9	)	)	PUNCT
fsr-3326	638	10	,	,	PUNCT
fsr-3326	638	11	113	113	NUM
fsr-3326	638	12	-	-	SYM
fsr-3326	638	13	132	132	NUM
fsr-3326	638	14	.	.	PUNCT
fsr-3326	639	1	mullainathan	mullainathan	PROPN
fsr-3326	639	2	,	,	PUNCT
fsr-3326	639	3	s.	s.	PROPN
fsr-3326	639	4	,	,	PUNCT
fsr-3326	639	5	noeth	noeth	PROPN
fsr-3326	639	6	,	,	PUNCT
fsr-3326	639	7	m.	m.	NOUN
fsr-3326	639	8	,	,	PUNCT
fsr-3326	639	9	&	&	CCONJ
fsr-3326	639	10	schoar	schoar	PROPN
fsr-3326	639	11	,	,	PUNCT
fsr-3326	639	12	a.	a.	NOUN
fsr-3326	639	13	(	(	PUNCT
fsr-3326	639	14	2012	2012	NUM
fsr-3326	639	15	)	)	PUNCT
fsr-3326	639	16	.	.	PUNCT
fsr-3326	640	1	the	the	DET
fsr-3326	640	2	market	market	NOUN
fsr-3326	640	3	for	for	ADP
fsr-3326	640	4	financial	financial	ADJ
fsr-3326	640	5	advice	advice	NOUN
fsr-3326	640	6	:	:	PUNCT
fsr-3326	640	7	an	an	DET
fsr-3326	640	8	audit	audit	NOUN
fsr-3326	640	9	study	study	NOUN
fsr-3326	640	10	.	.	PUNCT
fsr-3326	641	1	working	work	VERB
fsr-3326	641	2	paper	paper	PROPN
fsr-3326	641	3	no	no	INTJ
fsr-3326	641	4	.	.	PUNCT
fsr-3326	642	1	w17929	w17929	NOUN
fsr-3326	642	2	,	,	PUNCT
fsr-3326	642	3	national	national	ADJ
fsr-3326	642	4	bureau	bureau	NOUN
fsr-3326	642	5	of	of	ADP
fsr-3326	642	6	economic	economic	ADJ
fsr-3326	642	7	research	research	NOUN
fsr-3326	642	8	,	,	PUNCT
fsr-3326	642	9	cambridge	cambridge	PROPN
fsr-3326	642	10	,	,	PUNCT
fsr-3326	642	11	ma	ma	PROPN
fsr-3326	642	12	.	.	PROPN
fsr-3326	642	13	nofsinger	nofsinger	PROPN
fsr-3326	642	14	,	,	PUNCT
fsr-3326	642	15	j.	j.	PROPN
fsr-3326	642	16	r.	r.	PROPN
fsr-3326	642	17	,	,	PUNCT
fsr-3326	642	18	&	&	CCONJ
fsr-3326	642	19	varma	varma	PROPN
fsr-3326	642	20	,	,	PUNCT
fsr-3326	642	21	a.	a.	NOUN
fsr-3326	642	22	(	(	PUNCT
fsr-3326	642	23	2007	2007	NUM
fsr-3326	642	24	)	)	PUNCT
fsr-3326	642	25	.	.	PUNCT
fsr-3326	643	1	how	how	SCONJ
fsr-3326	643	2	analytical	analytical	ADJ
fsr-3326	643	3	is	be	AUX
fsr-3326	643	4	your	your	PRON
fsr-3326	643	5	financial	financial	ADJ
fsr-3326	643	6	advisor	advisor	NOUN
fsr-3326	643	7	?	?	PUNCT
fsr-3326	644	1	financial	financial	PROPN
fsr-3326	644	2	services	service	NOUN
fsr-3326	644	3	review	review	PROPN
fsr-3326	644	4	,	,	PUNCT
fsr-3326	644	5	16(4	16(4	PROPN
fsr-3326	644	6	)	)	PUNCT
fsr-3326	644	7	,	,	PUNCT
fsr-3326	644	8	245	245	NUM
fsr-3326	644	9	.	.	PUNCT
fsr-3326	645	1	oehler	oehler	PROPN
fsr-3326	645	2	,	,	PUNCT
fsr-3326	645	3	a.	a.	PROPN
fsr-3326	645	4	,	,	PUNCT
fsr-3326	645	5	&	&	CCONJ
fsr-3326	645	6	kohlert	kohlert	PROPN
fsr-3326	645	7	,	,	PUNCT
fsr-3326	645	8	d.	d.	PROPN
fsr-3326	645	9	(	(	PUNCT
fsr-3326	645	10	2009	2009	NUM
fsr-3326	645	11	)	)	PUNCT
fsr-3326	645	12	.	.	PUNCT
fsr-3326	646	1	financial	financial	ADJ
fsr-3326	646	2	advice	advice	NOUN
fsr-3326	646	3	giving	giving	NOUN
fsr-3326	646	4	and	and	CCONJ
fsr-3326	646	5	taking	taking	NOUN
fsr-3326	646	6	—	—	PUNCT
fsr-3326	646	7	where	where	SCONJ
fsr-3326	646	8	are	be	AUX
fsr-3326	646	9	the	the	DET
fsr-3326	646	10	market	market	NOUN
fsr-3326	646	11	’s	’s	PART
fsr-3326	646	12	self	self	NOUN
fsr-3326	646	13	-	-	PUNCT
fsr-3326	646	14	healing	heal	VERB
fsr-3326	646	15	powers	power	NOUN
fsr-3326	646	16	and	and	CCONJ
fsr-3326	646	17	a	a	DET
fsr-3326	646	18	functioning	function	VERB
fsr-3326	646	19	legal	legal	ADJ
fsr-3326	646	20	framework	framework	NOUN
fsr-3326	646	21	when	when	SCONJ
fsr-3326	646	22	we	we	PRON
fsr-3326	646	23	need	need	VERB
fsr-3326	646	24	them	they	PRON
fsr-3326	646	25	?	?	PUNCT
fsr-3326	647	1	journal	journal	NOUN
fsr-3326	647	2	of	of	ADP
fsr-3326	647	3	consumer	consumer	NOUN
fsr-3326	647	4	policy	policy	NOUN
fsr-3326	647	5	,	,	PUNCT
fsr-3326	647	6	32	32	NUM
fsr-3326	647	7	,	,	PUNCT
fsr-3326	647	8	91	91	NUM
fsr-3326	647	9	-	-	SYM
fsr-3326	647	10	116	116	NUM
fsr-3326	647	11	.	.	PUNCT
fsr-3326	648	1	omarzu	omarzu	PROPN
fsr-3326	648	2	,	,	PUNCT
fsr-3326	648	3	j.	j.	PROPN
fsr-3326	648	4	(	(	PUNCT
fsr-3326	648	5	2000	2000	NUM
fsr-3326	648	6	)	)	PUNCT
fsr-3326	648	7	.	.	PUNCT
fsr-3326	649	1	a	a	DET
fsr-3326	649	2	disclosure	disclosure	NOUN
fsr-3326	649	3	decision	decision	NOUN
fsr-3326	649	4	model	model	NOUN
fsr-3326	649	5	:	:	PUNCT
fsr-3326	649	6	determining	determine	VERB
fsr-3326	649	7	how	how	SCONJ
fsr-3326	649	8	and	and	CCONJ
fsr-3326	649	9	when	when	SCONJ
fsr-3326	649	10	individuals	individual	NOUN
fsr-3326	649	11	will	will	AUX
fsr-3326	649	12	self	self	NOUN
fsr-3326	649	13	-	-	PUNCT
fsr-3326	649	14	disclose	disclose	VERB
fsr-3326	649	15	.	.	PUNCT
fsr-3326	650	1	personality	personality	NOUN
fsr-3326	650	2	and	and	CCONJ
fsr-3326	650	3	social	social	ADJ
fsr-3326	650	4	psychology	psychology	NOUN
fsr-3326	650	5	review	review	NOUN
fsr-3326	650	6	,	,	PUNCT
fsr-3326	650	7	4(2	4(2	NUM
fsr-3326	650	8	)	)	PUNCT
fsr-3326	650	9	,	,	PUNCT
fsr-3326	650	10	174	174	NUM
fsr-3326	650	11	-	-	SYM
fsr-3326	650	12	185	185	NUM
fsr-3326	650	13	.	.	PUNCT
fsr-3326	651	1	pan	pan	PROPN
fsr-3326	651	2	,	,	PUNCT
fsr-3326	651	3	x.	x.	PROPN
fsr-3326	651	4	,	,	PUNCT
fsr-3326	651	5	wu	wu	PROPN
fsr-3326	651	6	,	,	PUNCT
fsr-3326	651	7	w.	w.	PROPN
fsr-3326	651	8	,	,	PUNCT
fsr-3326	651	9	&	&	CCONJ
fsr-3326	651	10	zhang	zhang	PROPN
fsr-3326	651	11	,	,	PUNCT
fsr-3326	651	12	x.	x.	PROPN
fsr-3326	651	13	(	(	PUNCT
fsr-3326	651	14	2020	2020	NUM
fsr-3326	651	15	)	)	PUNCT
fsr-3326	651	16	.	.	PUNCT
fsr-3326	651	17	is	be	AUX
fsr-3326	651	18	financial	financial	ADJ
fsr-3326	651	19	advice	advice	NOUN
fsr-3326	651	20	a	a	DET
fsr-3326	651	21	cure	cure	NOUN
fsr-3326	651	22	-	-	PUNCT
fsr-3326	651	23	all	all	PRON
fsr-3326	651	24	or	or	CCONJ
fsr-3326	651	25	the	the	DET
fsr-3326	651	26	icing	icing	NOUN
fsr-3326	651	27	on	on	ADP
fsr-3326	651	28	the	the	DET
fsr-3326	651	29	cake	cake	NOUN
fsr-3326	651	30	for	for	ADP
fsr-3326	651	31	financial	financial	ADJ
fsr-3326	651	32	literacy	literacy	NOUN
fsr-3326	651	33	?	?	PUNCT
fsr-3326	652	1	evidence	evidence	NOUN
fsr-3326	652	2	from	from	ADP
fsr-3326	652	3	financial	financial	ADJ
fsr-3326	652	4	market	market	NOUN
fsr-3326	652	5	participation	participation	NOUN
fsr-3326	652	6	in	in	ADP
fsr-3326	652	7	china	china	PROPN
fsr-3326	652	8	.	.	PUNCT
fsr-3326	653	1	international	international	ADJ
fsr-3326	653	2	review	review	NOUN
fsr-3326	653	3	of	of	ADP
fsr-3326	653	4	financial	financial	ADJ
fsr-3326	653	5	analysis	analysis	NOUN
fsr-3326	653	6	,	,	PUNCT
fsr-3326	653	7	69	69	NUM
fsr-3326	653	8	,	,	PUNCT
fsr-3326	653	9	101473	101473	NUM
fsr-3326	653	10	.	.	PUNCT
fsr-3326	654	1	paré	paré	PROPN
fsr-3326	654	2	,	,	PUNCT
fsr-3326	654	3	g.	g.	PROPN
fsr-3326	654	4	,	,	PUNCT
fsr-3326	654	5	trudel	trudel	PROPN
fsr-3326	654	6	,	,	PUNCT
fsr-3326	654	7	m.-c	m.-c	NOUN
fsr-3326	654	8	.	.	PUNCT
fsr-3326	654	9	,	,	PUNCT
fsr-3326	654	10	jaana	jaana	PROPN
fsr-3326	654	11	,	,	PUNCT
fsr-3326	654	12	m.	m.	NOUN
fsr-3326	654	13	,	,	PUNCT
fsr-3326	654	14	&	&	CCONJ
fsr-3326	654	15	kitsiou	kitsiou	PROPN
fsr-3326	654	16	,	,	PUNCT
fsr-3326	654	17	s.	s.	PROPN
fsr-3326	654	18	(	(	PUNCT
fsr-3326	654	19	2015	2015	NUM
fsr-3326	654	20	)	)	PUNCT
fsr-3326	654	21	.	.	PUNCT
fsr-3326	655	1	synthesizing	synthesize	VERB
fsr-3326	655	2	information	information	NOUN
fsr-3326	655	3	systems	system	NOUN
fsr-3326	655	4	knowledge	knowledge	NOUN
fsr-3326	655	5	:	:	PUNCT
fsr-3326	655	6	a	a	DET
fsr-3326	655	7	typology	typology	NOUN
fsr-3326	655	8	of	of	ADP
fsr-3326	655	9	literature	literature	NOUN
fsr-3326	655	10	reviews	review	NOUN
fsr-3326	655	11	.	.	PUNCT
fsr-3326	656	1	information	information	NOUN
fsr-3326	656	2	&	&	CCONJ
fsr-3326	656	3	management	management	PROPN
fsr-3326	656	4	,	,	PUNCT
fsr-3326	656	5	52(2	52(2	NUM
fsr-3326	656	6	)	)	PUNCT
fsr-3326	656	7	,	,	PUNCT
fsr-3326	656	8	183	183	NUM
fsr-3326	656	9	-	-	SYM
fsr-3326	656	10	199	199	NUM
fsr-3326	656	11	.	.	PUNCT
fsr-3326	657	1	paris	paris	PROPN
fsr-3326	657	2	,	,	PUNCT
fsr-3326	657	3	s.	s.	PROPN
fsr-3326	657	4	g.	g.	PROPN
fsr-3326	657	5	,	,	PUNCT
fsr-3326	657	6	lipson	lipson	PROPN
fsr-3326	657	7	,	,	PUNCT
fsr-3326	657	8	m.	m.	NOUN
fsr-3326	657	9	y.	y.	PROPN
fsr-3326	657	10	,	,	PUNCT
fsr-3326	657	11	&	&	CCONJ
fsr-3326	657	12	wixson	wixson	PROPN
fsr-3326	657	13	,	,	PUNCT
fsr-3326	657	14	k.	k.	PROPN
fsr-3326	657	15	k.	k.	PROPN
fsr-3326	657	16	(	(	PUNCT
fsr-3326	657	17	1983	1983	NUM
fsr-3326	657	18	)	)	PUNCT
fsr-3326	657	19	.	.	PUNCT
fsr-3326	658	1	becoming	become	VERB
fsr-3326	658	2	a	a	DET
fsr-3326	658	3	strategic	strategic	ADJ
fsr-3326	658	4	reader	reader	NOUN
fsr-3326	658	5	.	.	PUNCT
fsr-3326	659	1	contemporary	contemporary	ADJ
fsr-3326	659	2	educational	educational	ADJ
fsr-3326	659	3	psychology	psychology	NOUN
fsr-3326	659	4	,	,	PUNCT
fsr-3326	659	5	8(3	8(3	NUM
fsr-3326	659	6	)	)	PUNCT
fsr-3326	659	7	,	,	PUNCT
fsr-3326	659	8	293	293	NUM
fsr-3326	659	9	-	-	SYM
fsr-3326	659	10	316	316	NUM
fsr-3326	659	11	.	.	PUNCT
fsr-3326	659	12	park	park	PROPN
fsr-3326	659	13	,	,	PUNCT
fsr-3326	659	14	e.	e.	PROPN
fsr-3326	659	15	,	,	PUNCT
fsr-3326	659	16	&	&	CCONJ
fsr-3326	659	17	yao	yao	PROPN
fsr-3326	659	18	,	,	PUNCT
fsr-3326	659	19	r.	r.	PROPN
fsr-3326	659	20	(	(	PUNCT
fsr-3326	659	21	2016	2016	NUM
fsr-3326	659	22	)	)	PUNCT
fsr-3326	659	23	.	.	PUNCT
fsr-3326	660	1	financial	financial	ADJ
fsr-3326	660	2	risk	risk	NOUN
fsr-3326	660	3	attitude	attitude	NOUN
fsr-3326	660	4	and	and	CCONJ
fsr-3326	660	5	behavior	behavior	NOUN
fsr-3326	660	6	:	:	PUNCT
fsr-3326	661	1	do	do	AUX
fsr-3326	661	2	planners	planner	NOUN
fsr-3326	661	3	help	help	VERB
fsr-3326	661	4	increase	increase	VERB
fsr-3326	661	5	consistency	consistency	NOUN
fsr-3326	661	6	?	?	PUNCT
fsr-3326	662	1	journal	journal	NOUN
fsr-3326	662	2	of	of	ADP
fsr-3326	662	3	family	family	NOUN
fsr-3326	662	4	and	and	CCONJ
fsr-3326	662	5	economic	economic	ADJ
fsr-3326	662	6	issues	issue	NOUN
fsr-3326	662	7	,	,	PUNCT
fsr-3326	662	8	37	37	NUM
fsr-3326	662	9	,	,	PUNCT
fsr-3326	662	10	624638.pauls	624638.pauls	ADJ
fsr-3326	662	11	,	,	PUNCT
fsr-3326	662	12	t.	t.	PROPN
fsr-3326	662	13	,	,	PUNCT
fsr-3326	662	14	stolper	stolper	NOUN
fsr-3326	662	15	,	,	PUNCT
fsr-3326	662	16	o.	o.	PROPN
fsr-3326	662	17	a.	a.	PROPN
fsr-3326	662	18	,	,	PUNCT
fsr-3326	662	19	&	&	CCONJ
fsr-3326	662	20	walter	walter	PROPN
fsr-3326	662	21	,	,	PUNCT
fsr-3326	662	22	a.	a.	PROPN
fsr-3326	662	23	(	(	PUNCT
fsr-3326	662	24	2016	2016	NUM
fsr-3326	662	25	)	)	PUNCT
fsr-3326	662	26	.	.	PUNCT
fsr-3326	663	1	broad	broad	ADJ
fsr-3326	663	2	-	-	PUNCT
fsr-3326	663	3	scope	scope	NOUN
fsr-3326	663	4	trust	trust	NOUN
fsr-3326	663	5	and	and	CCONJ
fsr-3326	663	6	financial	financial	ADJ
fsr-3326	663	7	advice	advice	NOUN
fsr-3326	663	8	.	.	PUNCT
fsr-3326	664	1	working	work	VERB
fsr-3326	664	2	paper	paper	NOUN
fsr-3326	664	3	,	,	PUNCT
fsr-3326	664	4	goethe	goethe	PROPN
fsr-3326	664	5	university	university	PROPN
fsr-3326	664	6	,	,	PUNCT
fsr-3326	664	7	frankfurt	frankfurt	PROPN
fsr-3326	664	8	,	,	PUNCT
fsr-3326	664	9	germany	germany	PROPN
fsr-3326	664	10	.	.	PUNCT
fsr-3326	665	1	perkins	perkins	PROPN
fsr-3326	665	2	,	,	PUNCT
fsr-3326	665	3	d.	d.	PROPN
fsr-3326	665	4	n.	n.	PROPN
fsr-3326	665	5	,	,	PUNCT
fsr-3326	665	6	&	&	CCONJ
fsr-3326	665	7	salomon	salomon	PROPN
fsr-3326	665	8	,	,	PUNCT
fsr-3326	665	9	g.	g.	PROPN
fsr-3326	665	10	(	(	PUNCT
fsr-3326	665	11	1989	1989	NUM
fsr-3326	665	12	)	)	PUNCT
fsr-3326	665	13	.	.	PUNCT
fsr-3326	666	1	are	be	AUX
fsr-3326	666	2	cognitive	cognitive	ADJ
fsr-3326	666	3	skills	skill	NOUN
fsr-3326	666	4	context	context	NOUN
fsr-3326	666	5	-	-	PUNCT
fsr-3326	666	6	bound	bind	VERB
fsr-3326	666	7	?	?	PUNCT
fsr-3326	667	1	educational	educational	ADJ
fsr-3326	667	2	researcher	researcher	NOUN
fsr-3326	667	3	,	,	PUNCT
fsr-3326	667	4	18(1	18(1	NUM
fsr-3326	667	5	)	)	PUNCT
fsr-3326	667	6	,	,	PUNCT
fsr-3326	667	7	16	16	NUM
fsr-3326	667	8	-	-	SYM
fsr-3326	667	9	25	25	NUM
fsr-3326	667	10	.	.	PUNCT
fsr-3326	668	1	ross	ross	PROPN
fsr-3326	668	2	,	,	PUNCT
fsr-3326	668	3	s.	s.	PROPN
fsr-3326	668	4	a.	a.	PROPN
fsr-3326	668	5	(	(	PUNCT
fsr-3326	668	6	1973	1973	NUM
fsr-3326	668	7	)	)	PUNCT
fsr-3326	668	8	.	.	PUNCT
fsr-3326	669	1	the	the	DET
fsr-3326	669	2	economic	economic	ADJ
fsr-3326	669	3	theory	theory	NOUN
fsr-3326	669	4	of	of	ADP
fsr-3326	669	5	agency	agency	NOUN
fsr-3326	669	6	:	:	PUNCT
fsr-3326	669	7	the	the	DET
fsr-3326	669	8	principal	principal	NOUN
fsr-3326	669	9	's	's	PART
fsr-3326	669	10	problem	problem	NOUN
fsr-3326	669	11	.	.	PUNCT
fsr-3326	670	1	the	the	DET
fsr-3326	670	2	american	american	PROPN
fsr-3326	670	3	economic	economic	PROPN
fsr-3326	670	4	review	review	PROPN
fsr-3326	670	5	,	,	PUNCT
fsr-3326	670	6	63(2	63(2	NUM
fsr-3326	670	7	)	)	PUNCT
fsr-3326	670	8	,	,	PUNCT
fsr-3326	670	9	134139	134139	NUM
fsr-3326	670	10	.	.	PUNCT
fsr-3326	671	1	schunk	schunk	PROPN
fsr-3326	671	2	,	,	PUNCT
fsr-3326	671	3	d.	d.	PROPN
fsr-3326	671	4	h.	h.	PROPN
fsr-3326	671	5	(	(	PUNCT
fsr-3326	671	6	2012	2012	NUM
fsr-3326	671	7	)	)	PUNCT
fsr-3326	671	8	.	.	PUNCT
fsr-3326	672	1	learning	learn	VERB
fsr-3326	672	2	theories	theory	NOUN
fsr-3326	672	3	:	:	PUNCT
fsr-3326	672	4	an	an	DET
fsr-3326	672	5	educational	educational	ADJ
fsr-3326	672	6	perspective	perspective	NOUN
fsr-3326	672	7	sixth	sixth	ADJ
fsr-3326	672	8	edition	edition	NOUN
fsr-3326	672	9	.	.	PUNCT
fsr-3326	673	1	pearson	pearson	PROPN
fsr-3326	673	2	.	.	PROPN
fsr-3326	674	1	london	london	PROPN
fsr-3326	674	2	,	,	PUNCT
fsr-3326	674	3	uk	uk	PROPN
fsr-3326	674	4	.	.	PROPN
fsr-3326	674	5	schwartz	schwartz	PROPN
fsr-3326	674	6	,	,	PUNCT
fsr-3326	674	7	j.	j.	PROPN
fsr-3326	674	8	,	,	PUNCT
fsr-3326	674	9	luce	luce	PROPN
fsr-3326	674	10	,	,	PUNCT
fsr-3326	674	11	m.	m.	NOUN
fsr-3326	674	12	f.	f.	PROPN
fsr-3326	674	13	,	,	PUNCT
fsr-3326	674	14	&	&	CCONJ
fsr-3326	674	15	ariely	ariely	ADV
fsr-3326	674	16	,	,	PUNCT
fsr-3326	674	17	d.	d.	PROPN
fsr-3326	674	18	(	(	PUNCT
fsr-3326	674	19	2011	2011	NUM
fsr-3326	674	20	)	)	PUNCT
fsr-3326	674	21	.	.	PUNCT
fsr-3326	675	1	are	be	AUX
fsr-3326	675	2	consumers	consumer	NOUN
fsr-3326	675	3	too	too	ADV
fsr-3326	675	4	trusting	trust	VERB
fsr-3326	675	5	?	?	PUNCT
fsr-3326	676	1	the	the	DET
fsr-3326	676	2	effects	effect	NOUN
fsr-3326	676	3	of	of	ADP
fsr-3326	676	4	relationships	relationship	NOUN
fsr-3326	676	5	with	with	ADP
fsr-3326	676	6	expert	expert	NOUN
fsr-3326	676	7	advisers	adviser	NOUN
fsr-3326	676	8	.	.	PUNCT
fsr-3326	677	1	journal	journal	PROPN
fsr-3326	677	2	of	of	ADP
fsr-3326	677	3	marketing	marketing	NOUN
fsr-3326	677	4	research	research	NOUN
fsr-3326	677	5	,	,	PUNCT
fsr-3326	677	6	48(spl	48(spl	NOUN
fsr-3326	677	7	)	)	PUNCT
fsr-3326	677	8	,	,	PUNCT
fsr-3326	677	9	s163	s163	PROPN
fsr-3326	677	10	-	-	PUNCT
fsr-3326	677	11	s174	s174	PROPN
fsr-3326	677	12	.	.	PUNCT
fsr-3326	678	1	shapira	shapira	PROPN
fsr-3326	678	2	,	,	PUNCT
fsr-3326	678	3	z.	z.	PROPN
fsr-3326	678	4	,	,	PUNCT
fsr-3326	678	5	&	&	CCONJ
fsr-3326	678	6	venezia	venezia	PROPN
fsr-3326	678	7	,	,	PUNCT
fsr-3326	678	8	i.	i.	PROPN
fsr-3326	678	9	(	(	PUNCT
fsr-3326	678	10	2001	2001	NUM
fsr-3326	678	11	)	)	PUNCT
fsr-3326	678	12	.	.	PUNCT
fsr-3326	679	1	patterns	pattern	NOUN
fsr-3326	679	2	of	of	ADP
fsr-3326	679	3	behavior	behavior	NOUN
fsr-3326	679	4	of	of	ADP
fsr-3326	679	5	professionally	professionally	ADV
fsr-3326	679	6	managed	manage	VERB
fsr-3326	679	7	and	and	CCONJ
fsr-3326	679	8	independent	independent	ADJ
fsr-3326	679	9	investors	investor	NOUN
fsr-3326	679	10	.	.	PUNCT
fsr-3326	680	1	journal	journal	PROPN
fsr-3326	680	2	of	of	ADP
fsr-3326	680	3	banking	banking	NOUN
fsr-3326	680	4	&	&	CCONJ
fsr-3326	680	5	finance	finance	PROPN
fsr-3326	680	6	,	,	PUNCT
fsr-3326	680	7	25(8	25(8	NUM
fsr-3326	680	8	)	)	PUNCT
fsr-3326	680	9	,	,	PUNCT
fsr-3326	680	10	1573	1573	NUM
fsr-3326	680	11	-	-	SYM
fsr-3326	680	12	1587	1587	NUM
fsr-3326	680	13	.	.	PUNCT
fsr-3326	681	1	smith	smith	PROPN
fsr-3326	681	2	,	,	PUNCT
fsr-3326	681	3	h.	h.	PROPN
fsr-3326	681	4	,	,	PUNCT
fsr-3326	681	5	finke	finke	PROPN
fsr-3326	681	6	,	,	PUNCT
fsr-3326	681	7	m.	m.	NOUN
fsr-3326	681	8	,	,	PUNCT
fsr-3326	681	9	&	&	CCONJ
fsr-3326	681	10	huston	huston	PROPN
fsr-3326	681	11	,	,	PUNCT
fsr-3326	681	12	s.	s.	PROPN
fsr-3326	681	13	(	(	PUNCT
fsr-3326	681	14	2012	2012	NUM
fsr-3326	681	15	)	)	PUNCT
fsr-3326	681	16	.	.	PUNCT
fsr-3326	682	1	the	the	DET
fsr-3326	682	2	influence	influence	NOUN
fsr-3326	682	3	of	of	ADP
fsr-3326	682	4	financial	financial	ADJ
fsr-3326	682	5	sophistication	sophistication	NOUN
fsr-3326	682	6	and	and	CCONJ
fsr-3326	682	7	financial	financial	ADJ
fsr-3326	682	8	planners	planner	NOUN
fsr-3326	682	9	on	on	ADP
fsr-3326	682	10	roth	roth	PROPN
fsr-3326	682	11	ira	ira	PROPN
fsr-3326	682	12	ownership	ownership	PROPN
fsr-3326	682	13	.	.	PUNCT
fsr-3326	683	1	journal	journal	NOUN
fsr-3326	683	2	of	of	ADP
fsr-3326	683	3	financial	financial	ADJ
fsr-3326	683	4	service	service	NOUN
fsr-3326	683	5	professionals	professional	NOUN
fsr-3326	683	6	,	,	PUNCT
fsr-3326	683	7	66(6	66(6	NUM
fsr-3326	683	8	)	)	PUNCT
fsr-3326	683	9	,	,	PUNCT
fsr-3326	683	10	69	69	NUM
fsr-3326	683	11	.	.	PUNCT
fsr-3326	684	1	snyder	snyder	PROPN
fsr-3326	684	2	,	,	PUNCT
fsr-3326	684	3	h.	h.	PROPN
fsr-3326	684	4	(	(	PUNCT
fsr-3326	684	5	2019	2019	NUM
fsr-3326	684	6	)	)	PUNCT
fsr-3326	684	7	.	.	PUNCT
fsr-3326	685	1	literature	literature	NOUN
fsr-3326	685	2	review	review	PROPN
fsr-3326	685	3	as	as	ADP
fsr-3326	685	4	a	a	DET
fsr-3326	685	5	research	research	NOUN
fsr-3326	685	6	methodology	methodology	NOUN
fsr-3326	685	7	:	:	PUNCT
fsr-3326	685	8	an	an	DET
fsr-3326	685	9	overview	overview	NOUN
fsr-3326	685	10	and	and	CCONJ
fsr-3326	685	11	guidelines	guideline	NOUN
fsr-3326	685	12	.	.	PUNCT
fsr-3326	686	1	journal	journal	NOUN
fsr-3326	686	2	of	of	ADP
fsr-3326	686	3	business	business	NOUN
fsr-3326	686	4	research	research	NOUN
fsr-3326	686	5	,	,	PUNCT
fsr-3326	686	6	104	104	NUM
fsr-3326	686	7	,	,	PUNCT
fsr-3326	686	8	333	333	NUM
fsr-3326	686	9	-	-	SYM
fsr-3326	686	10	339	339	NUM
fsr-3326	686	11	.	.	PUNCT
fsr-3326	686	12	spilker	spilker	NOUN
fsr-3326	686	13	,	,	PUNCT
fsr-3326	686	14	b.	b.	PROPN
fsr-3326	686	15	c.	c.	PROPN
fsr-3326	686	16	(	(	PUNCT
fsr-3326	686	17	1995	1995	NUM
fsr-3326	686	18	)	)	PUNCT
fsr-3326	686	19	.	.	PUNCT
fsr-3326	687	1	the	the	DET
fsr-3326	687	2	effects	effect	NOUN
fsr-3326	687	3	of	of	ADP
fsr-3326	687	4	time	time	NOUN
fsr-3326	687	5	pressure	pressure	NOUN
fsr-3326	687	6	and	and	CCONJ
fsr-3326	687	7	knowledge	knowledge	NOUN
fsr-3326	687	8	on	on	ADP
fsr-3326	687	9	key	key	ADJ
fsr-3326	687	10	word	word	NOUN
fsr-3326	687	11	selection	selection	NOUN
fsr-3326	687	12	behavior	behavior	NOUN
fsr-3326	687	13	in	in	ADP
fsr-3326	687	14	tax	tax	NOUN
fsr-3326	687	15	research	research	NOUN
fsr-3326	687	16	.	.	PUNCT
fsr-3326	688	1	accounting	accounting	NOUN
fsr-3326	688	2	review	review	PROPN
fsr-3326	688	3	,	,	PUNCT
fsr-3326	688	4	49	49	NUM
fsr-3326	688	5	-	-	SYM
fsr-3326	688	6	70	70	NUM
fsr-3326	688	7	.	.	PUNCT
fsr-3326	689	1	stolper	stolper	NOUN
fsr-3326	689	2	,	,	PUNCT
fsr-3326	689	3	o.	o.	PROPN
fsr-3326	689	4	(	(	PUNCT
fsr-3326	689	5	2018	2018	NUM
fsr-3326	689	6	)	)	PUNCT
fsr-3326	689	7	.	.	PUNCT
fsr-3326	690	1	it	it	PRON
fsr-3326	690	2	takes	take	VERB
fsr-3326	690	3	two	two	NUM
fsr-3326	690	4	to	to	ADP
fsr-3326	690	5	tango	tango	NOUN
fsr-3326	690	6	:	:	PUNCT
fsr-3326	690	7	households	household	NOUN
fsr-3326	690	8	’	'	PUNCT
fsr-3326	690	9	response	response	NOUN
fsr-3326	690	10	to	to	ADP
fsr-3326	690	11	financial	financial	ADJ
fsr-3326	690	12	advice	advice	NOUN
fsr-3326	690	13	and	and	CCONJ
fsr-3326	690	14	the	the	DET
fsr-3326	690	15	role	role	NOUN
fsr-3326	690	16	of	of	ADP
fsr-3326	690	17	financial	financial	ADJ
fsr-3326	690	18	literacy	literacy	NOUN
fsr-3326	690	19	.	.	PUNCT
fsr-3326	691	1	journal	journal	NOUN
fsr-3326	691	2	of	of	ADP
fsr-3326	691	3	banking	banking	NOUN
fsr-3326	691	4	&	&	CCONJ
fsr-3326	691	5	finance	finance	PROPN
fsr-3326	691	6	,	,	PUNCT
fsr-3326	691	7	92	92	NUM
fsr-3326	691	8	,	,	PUNCT
fsr-3326	691	9	295	295	NUM
fsr-3326	691	10	-	-	SYM
fsr-3326	691	11	310	310	NUM
fsr-3326	691	12	.	.	PUNCT
fsr-3326	692	1	stoughton	stoughton	PROPN
fsr-3326	692	2	,	,	PUNCT
fsr-3326	692	3	n.	n.	PROPN
fsr-3326	692	4	m.	m.	PROPN
fsr-3326	692	5	,	,	PUNCT
fsr-3326	692	6	wu	wu	PROPN
fsr-3326	692	7	,	,	PUNCT
fsr-3326	692	8	y.	y.	PROPN
fsr-3326	692	9	,	,	PUNCT
fsr-3326	692	10	&	&	CCONJ
fsr-3326	692	11	zechner	zechner	PROPN
fsr-3326	692	12	,	,	PUNCT
fsr-3326	692	13	j.	j.	PROPN
fsr-3326	692	14	(	(	PUNCT
fsr-3326	692	15	2011	2011	NUM
fsr-3326	692	16	)	)	PUNCT
fsr-3326	692	17	.	.	PUNCT
fsr-3326	693	1	intermediated	intermediate	VERB
fsr-3326	693	2	investment	investment	NOUN
fsr-3326	693	3	management	management	NOUN
fsr-3326	693	4	.	.	PUNCT
fsr-3326	694	1	the	the	DET
fsr-3326	694	2	journal	journal	PROPN
fsr-3326	694	3	of	of	ADP
fsr-3326	694	4	finance	finance	NOUN
fsr-3326	694	5	,	,	PUNCT
fsr-3326	694	6	66(3	66(3	NOUN
fsr-3326	694	7	)	)	PUNCT
fsr-3326	694	8	,	,	PUNCT
fsr-3326	694	9	947	947	NUM
fsr-3326	694	10	-	-	SYM
fsr-3326	694	11	980	980	NUM
fsr-3326	694	12	.	.	PUNCT
fsr-3326	695	1	sweeney	sweeney	PROPN
fsr-3326	695	2	,	,	PUNCT
fsr-3326	695	3	j.	j.	PROPN
fsr-3326	695	4	c.	c.	PROPN
fsr-3326	695	5	,	,	PUNCT
fsr-3326	695	6	plewa	plewa	PROPN
fsr-3326	695	7	,	,	PUNCT
fsr-3326	695	8	c.	c.	PROPN
fsr-3326	695	9	,	,	PUNCT
fsr-3326	695	10	&	&	CCONJ
fsr-3326	695	11	zurbruegg	zurbruegg	PROPN
fsr-3326	695	12	,	,	PUNCT
fsr-3326	695	13	r.	r.	PROPN
fsr-3326	695	14	(	(	PUNCT
fsr-3326	695	15	2018	2018	NUM
fsr-3326	695	16	)	)	PUNCT
fsr-3326	695	17	.	.	PUNCT
fsr-3326	696	1	examining	examine	VERB
fsr-3326	696	2	positive	positive	ADJ
fsr-3326	696	3	and	and	CCONJ
fsr-3326	696	4	negative	negative	ADJ
fsr-3326	696	5	value	value	NOUN
fsr-3326	696	6	-	-	PUNCT
fsr-3326	696	7	in	in	ADP
fsr-3326	696	8	-	-	PUNCT
fsr-3326	696	9	use	use	NOUN
fsr-3326	696	10	in	in	ADP
fsr-3326	696	11	a	a	DET
fsr-3326	696	12	complex	complex	ADJ
fsr-3326	696	13	service	service	NOUN
fsr-3326	696	14	setting	setting	NOUN
fsr-3326	696	15	.	.	PUNCT
fsr-3326	697	1	european	european	ADJ
fsr-3326	697	2	journal	journal	PROPN
fsr-3326	697	3	of	of	ADP
fsr-3326	697	4	marketing	marketing	NOUN
fsr-3326	697	5	.	.	PUNCT
fsr-3326	698	1	52(5	52(5	NUM
fsr-3326	698	2	-	-	SYM
fsr-3326	698	3	6	6	NUM
fsr-3326	698	4	)	)	PUNCT
fsr-3326	698	5	,	,	PUNCT
fsr-3326	698	6	1084	1084	NUM
fsr-3326	698	7	-	-	SYM
fsr-3326	698	8	1106	1106	NUM
fsr-3326	698	9	.	.	PUNCT
fsr-3326	698	10	tang	tang	PROPN
fsr-3326	698	11	,	,	PUNCT
fsr-3326	698	12	n.	n.	NOUN
fsr-3326	698	13	,	,	PUNCT
fsr-3326	698	14	&	&	CCONJ
fsr-3326	698	15	hu	hu	PROPN
fsr-3326	698	16	,	,	PUNCT
fsr-3326	698	17	x.	x.	NOUN
fsr-3326	698	18	(	(	PUNCT
fsr-3326	698	19	2019	2019	NUM
fsr-3326	698	20	)	)	PUNCT
fsr-3326	698	21	.	.	PUNCT
fsr-3326	699	1	financial	financial	ADJ
fsr-3326	699	2	literacy	literacy	NOUN
fsr-3326	699	3	and	and	CCONJ
fsr-3326	699	4	the	the	DET
fsr-3326	699	5	use	use	NOUN
fsr-3326	699	6	of	of	ADP
fsr-3326	699	7	financial	financial	ADJ
fsr-3326	699	8	advice	advice	NOUN
fsr-3326	699	9	—	—	PUNCT
fsr-3326	699	10	a	a	DET
fsr-3326	699	11	nonmonotonic	nonmonotonic	ADJ
fsr-3326	699	12	relationship	relationship	NOUN
fsr-3326	699	13	.	.	PUNCT
fsr-3326	700	1	journal	journal	NOUN
fsr-3326	700	2	of	of	ADP
fsr-3326	700	3	trends	trend	NOUN
fsr-3326	700	4	and	and	CCONJ
fsr-3326	700	5	issues	issue	NOUN
fsr-3326	700	6	,	,	PUNCT
fsr-3326	700	7	2(157	2(157	NUM
fsr-3326	700	8	)	)	PUNCT
fsr-3326	700	9	,	,	PUNCT
fsr-3326	700	10	12	12	NUM
fsr-3326	700	11	-	-	SYM
fsr-3326	700	12	32	32	NUM
fsr-3326	700	13	.	.	PUNCT
fsr-3326	701	1	tardif	tardif	PROPN
fsr-3326	701	2	,	,	PUNCT
fsr-3326	701	3	j.	j.	PROPN
fsr-3326	701	4	(	(	PUNCT
fsr-3326	701	5	1992	1992	NUM
fsr-3326	701	6	)	)	PUNCT
fsr-3326	701	7	.	.	PUNCT
fsr-3326	702	1	pour	pour	PROPN
fsr-3326	702	2	un	un	PROPN
fsr-3326	702	3	enseignement	enseignement	PROPN
fsr-3326	702	4	stratégique	stratégique	PROPN
fsr-3326	702	5	:	:	PUNCT
fsr-3326	702	6	l'apport	l'apport	PROPN
fsr-3326	702	7	de	de	X
fsr-3326	702	8	la	la	PROPN
fsr-3326	702	9	psychologie	psychologie	PROPN
fsr-3326	702	10	cognitive	cognitive	NOUN
fsr-3326	702	11	.	.	PUNCT
fsr-3326	703	1	éditions	éditions	PROPN
fsr-3326	703	2	logiques	logiques	PROPN
fsr-3326	703	3	.	.	PUNCT
fsr-3326	704	1	montréal	montréal	PROPN
fsr-3326	704	2	,	,	PUNCT
fsr-3326	704	3	qc	qc	PROPN
fsr-3326	704	4	.	.	PROPN
fsr-3326	704	5	templier	templier	PROPN
fsr-3326	704	6	,	,	PUNCT
fsr-3326	704	7	m.	m.	NOUN
fsr-3326	704	8	,	,	PUNCT
fsr-3326	704	9	&	&	CCONJ
fsr-3326	704	10	paré	paré	PROPN
fsr-3326	704	11	,	,	PUNCT
fsr-3326	704	12	g.	g.	PROPN
fsr-3326	704	13	(	(	PUNCT
fsr-3326	704	14	2018	2018	NUM
fsr-3326	704	15	)	)	PUNCT
fsr-3326	704	16	.	.	PUNCT
fsr-3326	705	1	transparency	transparency	NOUN
fsr-3326	705	2	in	in	ADP
fsr-3326	705	3	literature	literature	NOUN
fsr-3326	705	4	reviews	review	NOUN
fsr-3326	705	5	:	:	PUNCT
fsr-3326	705	6	an	an	DET
fsr-3326	705	7	assessment	assessment	NOUN
fsr-3326	705	8	of	of	ADP
fsr-3326	705	9	pilote	pilote	PROPN
fsr-3326	705	10	et	et	PROPN
fsr-3326	705	11	al	al	PROPN
fsr-3326	705	12	.	.	PROPN
fsr-3326	705	13	52	52	NUM
fsr-3326	705	14	reporting	reporting	NOUN
fsr-3326	705	15	practices	practice	NOUN
fsr-3326	705	16	across	across	ADP
fsr-3326	705	17	review	review	NOUN
fsr-3326	705	18	types	type	NOUN
fsr-3326	705	19	and	and	CCONJ
fsr-3326	705	20	genres	genre	NOUN
fsr-3326	705	21	in	in	ADP
fsr-3326	705	22	top	top	NOUN
fsr-3326	705	23	is	be	AUX
fsr-3326	705	24	journals	journal	NOUN
fsr-3326	705	25	.	.	PUNCT
fsr-3326	706	1	european	european	ADJ
fsr-3326	706	2	journal	journal	PROPN
fsr-3326	706	3	of	of	ADP
fsr-3326	706	4	information	information	NOUN
fsr-3326	706	5	systems	system	NOUN
fsr-3326	706	6	,	,	PUNCT
fsr-3326	706	7	27(5	27(5	PROPN
fsr-3326	706	8	)	)	PUNCT
fsr-3326	706	9	,	,	PUNCT
fsr-3326	706	10	503	503	NUM
fsr-3326	706	11	-	-	SYM
fsr-3326	706	12	550	550	NUM
fsr-3326	706	13	.	.	PUNCT
fsr-3326	707	1	tharp	tharp	PROPN
fsr-3326	707	2	,	,	PUNCT
fsr-3326	707	3	d.	d.	PROPN
fsr-3326	707	4	(	(	PUNCT
fsr-3326	707	5	2019	2019	NUM
fsr-3326	707	6	)	)	PUNCT
fsr-3326	707	7	.	.	PUNCT
fsr-3326	708	1	consumer	consumer	NOUN
fsr-3326	708	2	perceptions	perception	NOUN
fsr-3326	708	3	of	of	ADP
fsr-3326	708	4	financial	financial	ADJ
fsr-3326	708	5	advisory	advisory	ADJ
fsr-3326	708	6	titles	title	NOUN
fsr-3326	708	7	and	and	CCONJ
fsr-3326	708	8	implications	implication	NOUN
fsr-3326	708	9	for	for	ADP
fsr-3326	708	10	title	title	NOUN
fsr-3326	708	11	regulation	regulation	NOUN
fsr-3326	708	12	.	.	PUNCT
fsr-3326	709	1	working	work	VERB
fsr-3326	709	2	paper	paper	NOUN
fsr-3326	709	3	,	,	PUNCT
fsr-3326	709	4	mercatus	mercatus	NOUN
fsr-3326	709	5	center	center	PROPN
fsr-3326	709	6	at	at	ADP
fsr-3326	709	7	george	george	PROPN
fsr-3326	709	8	mason	mason	PROPN
fsr-3326	709	9	university	university	PROPN
fsr-3326	709	10	,	,	PUNCT
fsr-3326	709	11	arlington	arlington	PROPN
fsr-3326	709	12	,	,	PUNCT
fsr-3326	709	13	va	va	PROPN
fsr-3326	709	14	.	.	PROPN
fsr-3326	709	15	torraco	torraco	PROPN
fsr-3326	709	16	,	,	PUNCT
fsr-3326	709	17	r.	r.	PROPN
fsr-3326	709	18	j.	j.	PROPN
fsr-3326	709	19	(	(	PUNCT
fsr-3326	709	20	2005	2005	NUM
fsr-3326	709	21	)	)	PUNCT
fsr-3326	709	22	.	.	PUNCT
fsr-3326	710	1	writing	write	VERB
fsr-3326	710	2	integrative	integrative	ADJ
fsr-3326	710	3	literature	literature	NOUN
fsr-3326	710	4	reviews	review	NOUN
fsr-3326	710	5	:	:	PUNCT
fsr-3326	710	6	guidelines	guideline	NOUN
fsr-3326	710	7	and	and	CCONJ
fsr-3326	710	8	examples	example	NOUN
fsr-3326	710	9	.	.	PUNCT
fsr-3326	711	1	human	human	ADJ
fsr-3326	711	2	resource	resource	PROPN
fsr-3326	711	3	development	development	PROPN
fsr-3326	711	4	review	review	PROPN
fsr-3326	711	5	,	,	PUNCT
fsr-3326	711	6	4(3	4(3	NUM
fsr-3326	711	7	)	)	PUNCT
fsr-3326	711	8	,	,	PUNCT
fsr-3326	711	9	356	356	NUM
fsr-3326	711	10	-	-	SYM
fsr-3326	711	11	367	367	NUM
fsr-3326	711	12	.	.	PUNCT
fsr-3326	712	1	van	van	PROPN
fsr-3326	712	2	dijk	dijk	PROPN
fsr-3326	712	3	,	,	PUNCT
fsr-3326	712	4	m.	m.	NOUN
fsr-3326	712	5	,	,	PUNCT
fsr-3326	712	6	bijlsma	bijlsma	PROPN
fsr-3326	712	7	,	,	PUNCT
fsr-3326	712	8	m.	m.	NOUN
fsr-3326	712	9	,	,	PUNCT
fsr-3326	712	10	&	&	CCONJ
fsr-3326	712	11	pomp	pomp	NOUN
fsr-3326	712	12	,	,	PUNCT
fsr-3326	712	13	m.	m.	NOUN
fsr-3326	712	14	(	(	PUNCT
fsr-3326	712	15	2008	2008	NUM
fsr-3326	712	16	)	)	PUNCT
fsr-3326	712	17	.	.	PUNCT
fsr-3326	713	1	the	the	DET
fsr-3326	713	2	price	price	NOUN
fsr-3326	713	3	of	of	ADP
fsr-3326	713	4	free	free	ADJ
fsr-3326	713	5	advice	advice	NOUN
fsr-3326	713	6	.	.	PUNCT
fsr-3326	714	1	applied	apply	VERB
fsr-3326	714	2	economics	economic	NOUN
fsr-3326	714	3	,	,	PUNCT
fsr-3326	714	4	40(14	40(14	NOUN
fsr-3326	714	5	)	)	PUNCT
fsr-3326	714	6	,	,	PUNCT
fsr-3326	714	7	1889	1889	NUM
fsr-3326	714	8	-	-	SYM
fsr-3326	714	9	1903	1903	NUM
fsr-3326	714	10	.	.	PUNCT
fsr-3326	715	1	von	von	PROPN
fsr-3326	715	2	gaudecker	gaudecker	PROPN
fsr-3326	715	3	,	,	PUNCT
fsr-3326	715	4	h.	h.	PROPN
fsr-3326	715	5	m.	m.	PROPN
fsr-3326	715	6	v.	v.	PROPN
fsr-3326	715	7	(	(	PUNCT
fsr-3326	715	8	2015	2015	NUM
fsr-3326	715	9	)	)	PUNCT
fsr-3326	715	10	.	.	PUNCT
fsr-3326	716	1	how	how	SCONJ
fsr-3326	716	2	does	do	AUX
fsr-3326	716	3	household	household	NOUN
fsr-3326	716	4	portfolio	portfolio	NOUN
fsr-3326	716	5	diversification	diversification	NOUN
fsr-3326	716	6	vary	vary	VERB
fsr-3326	716	7	with	with	ADP
fsr-3326	716	8	financial	financial	ADJ
fsr-3326	716	9	literacy	literacy	NOUN
fsr-3326	716	10	and	and	CCONJ
fsr-3326	716	11	financial	financial	ADJ
fsr-3326	716	12	advice	advice	NOUN
fsr-3326	716	13	?	?	PUNCT
fsr-3326	716	14	.	.	PUNCT
fsr-3326	717	1	the	the	DET
fsr-3326	717	2	journal	journal	NOUN
fsr-3326	717	3	of	of	ADP
fsr-3326	717	4	finance	finance	NOUN
fsr-3326	717	5	,	,	PUNCT
fsr-3326	717	6	70(2	70(2	PROPN
fsr-3326	717	7	)	)	PUNCT
fsr-3326	717	8	,	,	PUNCT
fsr-3326	717	9	489	489	NUM
fsr-3326	717	10	-	-	SYM
fsr-3326	717	11	507	507	NUM
fsr-3326	717	12	.	.	PUNCT
fsr-3326	718	1	webster	webster	PROPN
fsr-3326	718	2	,	,	PUNCT
fsr-3326	718	3	j.	j.	PROPN
fsr-3326	718	4	,	,	PUNCT
fsr-3326	718	5	&	&	CCONJ
fsr-3326	718	6	watson	watson	PROPN
fsr-3326	718	7	,	,	PUNCT
fsr-3326	718	8	r.	r.	PROPN
fsr-3326	718	9	t.	t.	PROPN
fsr-3326	718	10	(	(	PUNCT
fsr-3326	718	11	2002	2002	NUM
fsr-3326	718	12	)	)	PUNCT
fsr-3326	718	13	.	.	PUNCT
fsr-3326	719	1	analyzing	analyze	VERB
fsr-3326	719	2	the	the	DET
fsr-3326	719	3	past	past	NOUN
fsr-3326	719	4	to	to	PART
fsr-3326	719	5	prepare	prepare	VERB
fsr-3326	719	6	for	for	ADP
fsr-3326	719	7	the	the	DET
fsr-3326	719	8	future	future	NOUN
fsr-3326	719	9	:	:	PUNCT
fsr-3326	719	10	writing	write	VERB
fsr-3326	719	11	a	a	DET
fsr-3326	719	12	literature	literature	NOUN
fsr-3326	719	13	review	review	NOUN
fsr-3326	719	14	.	.	PUNCT
fsr-3326	720	1	mis	mis	PROPN
fsr-3326	720	2	quarterly	quarterly	PROPN
fsr-3326	720	3	,	,	PUNCT
fsr-3326	720	4	xiii	xiii	PROPN
fsr-3326	720	5	-	-	PUNCT
fsr-3326	720	6	xxiii	xxiii	PROPN
fsr-3326	720	7	.	.	PUNCT
fsr-3326	721	1	west	west	PROPN
fsr-3326	721	2	,	,	PUNCT
fsr-3326	721	3	j.	j.	PROPN
fsr-3326	721	4	(	(	PUNCT
fsr-3326	721	5	2012	2012	NUM
fsr-3326	721	6	)	)	PUNCT
fsr-3326	721	7	.	.	PUNCT
fsr-3326	722	1	financial	financial	ADJ
fsr-3326	722	2	advisor	advisor	NOUN
fsr-3326	722	3	participation	participation	NOUN
fsr-3326	722	4	rates	rate	NOUN
fsr-3326	722	5	and	and	CCONJ
fsr-3326	722	6	low	low	ADJ
fsr-3326	722	7	net	net	ADJ
fsr-3326	722	8	worth	worth	ADJ
fsr-3326	722	9	investors	investor	NOUN
fsr-3326	722	10	.	.	PUNCT
fsr-3326	723	1	journal	journal	PROPN
fsr-3326	723	2	of	of	ADP
fsr-3326	723	3	financial	financial	ADJ
fsr-3326	723	4	services	service	NOUN
fsr-3326	723	5	marketing	marketing	NOUN
fsr-3326	723	6	,	,	PUNCT
fsr-3326	723	7	17(1	17(1	NUM
fsr-3326	723	8	)	)	PUNCT
fsr-3326	723	9	,	,	PUNCT
fsr-3326	723	10	50	50	NUM
fsr-3326	723	11	-	-	SYM
fsr-3326	723	12	66	66	NUM
fsr-3326	723	13	.	.	PUNCT
fsr-3326	724	1	winchester	winchester	PROPN
fsr-3326	724	2	,	,	PUNCT
fsr-3326	724	3	d.	d.	PROPN
fsr-3326	724	4	,	,	PUNCT
fsr-3326	724	5	&	&	CCONJ
fsr-3326	724	6	huston	huston	PROPN
fsr-3326	724	7	,	,	PUNCT
fsr-3326	724	8	s.	s.	PROPN
fsr-3326	724	9	(	(	PUNCT
fsr-3326	724	10	2017	2017	NUM
fsr-3326	724	11	)	)	PUNCT
fsr-3326	724	12	.	.	PUNCT
fsr-3326	725	1	trust	trust	NOUN
fsr-3326	725	2	reduces	reduce	VERB
fsr-3326	725	3	costs	cost	NOUN
fsr-3326	725	4	associated	associate	VERB
fsr-3326	725	5	with	with	ADP
fsr-3326	725	6	consumer	consumer	NOUN
fsr-3326	725	7	-	-	PUNCT
fsr-3326	725	8	financial	financial	ADJ
fsr-3326	725	9	planner	planner	NOUN
fsr-3326	725	10	relationship	relationship	NOUN
fsr-3326	725	11	.	.	PUNCT
fsr-3326	726	1	journal	journal	PROPN
fsr-3326	726	2	of	of	ADP
fsr-3326	726	3	financial	financial	ADJ
fsr-3326	726	4	service	service	NOUN
fsr-3326	726	5	professionals	professional	NOUN
fsr-3326	726	6	,	,	PUNCT
fsr-3326	726	7	71(4	71(4	NUM
fsr-3326	726	8	)	)	PUNCT
fsr-3326	726	9	,	,	PUNCT
fsr-3326	726	10	80	80	NUM
fsr-3326	726	11	-	-	SYM
fsr-3326	726	12	91	91	NUM
fsr-3326	726	13	.	.	PUNCT
fsr-3326	727	1	winchester	winchester	PROPN
fsr-3326	727	2	,	,	PUNCT
fsr-3326	727	3	d.	d.	PROPN
fsr-3326	727	4	d.	d.	PROPN
fsr-3326	727	5	,	,	PUNCT
fsr-3326	727	6	&	&	CCONJ
fsr-3326	727	7	huston	huston	PROPN
fsr-3326	727	8	,	,	PUNCT
fsr-3326	727	9	s.	s.	PROPN
fsr-3326	727	10	j.	j.	PROPN
fsr-3326	727	11	(	(	PUNCT
fsr-3326	727	12	2014	2014	NUM
fsr-3326	727	13	)	)	PUNCT
fsr-3326	727	14	.	.	PUNCT
fsr-3326	728	1	does	do	AUX
fsr-3326	728	2	a	a	DET
fsr-3326	728	3	relationship	relationship	NOUN
fsr-3326	728	4	with	with	ADP
fsr-3326	728	5	a	a	DET
fsr-3326	728	6	financial	financial	ADJ
fsr-3326	728	7	service	service	NOUN
fsr-3326	728	8	professional	professional	NOUN
fsr-3326	728	9	overcome	overcome	VERB
fsr-3326	728	10	a	a	DET
fsr-3326	728	11	client	client	NOUN
fsr-3326	728	12	’s	’s	PART
fsr-3326	728	13	sense	sense	NOUN
fsr-3326	728	14	of	of	ADP
fsr-3326	728	15	not	not	PART
fsr-3326	728	16	being	be	AUX
fsr-3326	728	17	in	in	ADP
fsr-3326	728	18	control	control	NOUN
fsr-3326	728	19	of	of	ADP
fsr-3326	728	20	achieving	achieve	VERB
fsr-3326	728	21	their	their	PRON
fsr-3326	728	22	goals	goal	NOUN
fsr-3326	728	23	?	?	PUNCT
fsr-3326	729	1	financial	financial	ADJ
fsr-3326	729	2	services	service	NOUN
fsr-3326	729	3	review	review	PROPN
fsr-3326	729	4	,	,	PUNCT
fsr-3326	729	5	23(1	23(1	NOUN
fsr-3326	729	6	)	)	PUNCT
fsr-3326	729	7	,	,	PUNCT
fsr-3326	729	8	1	1	NUM
fsr-3326	729	9	-	-	SYM
fsr-3326	729	10	23	23	NUM
fsr-3326	729	11	.	.	PUNCT
fsr-3326	730	1	winchester	winchester	PROPN
fsr-3326	730	2	,	,	PUNCT
fsr-3326	730	3	d.	d.	PROPN
fsr-3326	730	4	d.	d.	PROPN
fsr-3326	730	5	,	,	PUNCT
fsr-3326	730	6	&	&	CCONJ
fsr-3326	730	7	huston	huston	PROPN
fsr-3326	730	8	,	,	PUNCT
fsr-3326	730	9	s.	s.	PROPN
fsr-3326	730	10	j.	j.	PROPN
fsr-3326	730	11	(	(	PUNCT
fsr-3326	730	12	2015	2015	NUM
fsr-3326	730	13	)	)	PUNCT
fsr-3326	730	14	.	.	PUNCT
fsr-3326	731	1	all	all	DET
fsr-3326	731	2	financial	financial	ADJ
fsr-3326	731	3	advice	advice	NOUN
fsr-3326	731	4	for	for	ADP
fsr-3326	731	5	the	the	DET
fsr-3326	731	6	middle	middle	ADJ
fsr-3326	731	7	class	class	NOUN
fsr-3326	731	8	is	be	AUX
fsr-3326	731	9	not	not	PART
fsr-3326	731	10	equal	equal	ADJ
fsr-3326	731	11	.	.	PUNCT
fsr-3326	732	1	journal	journal	NOUN
fsr-3326	732	2	of	of	ADP
fsr-3326	732	3	consumer	consumer	NOUN
fsr-3326	732	4	policy	policy	NOUN
fsr-3326	732	5	,	,	PUNCT
fsr-3326	732	6	38(3	38(3	NUM
fsr-3326	732	7	)	)	PUNCT
fsr-3326	732	8	,	,	PUNCT
fsr-3326	732	9	247	247	NUM
fsr-3326	732	10	-	-	SYM
fsr-3326	732	11	264	264	NUM
fsr-3326	732	12	.	.	PUNCT
fsr-3326	733	1	winchester	winchester	PROPN
fsr-3326	733	2	,	,	PUNCT
fsr-3326	733	3	d.	d.	PROPN
fsr-3326	733	4	d.	d.	PROPN
fsr-3326	733	5	,	,	PUNCT
fsr-3326	733	6	huston	huston	PROPN
fsr-3326	733	7	,	,	PUNCT
fsr-3326	733	8	s.	s.	PROPN
fsr-3326	733	9	j.	j.	PROPN
fsr-3326	733	10	,	,	PUNCT
fsr-3326	733	11	&	&	CCONJ
fsr-3326	733	12	finke	finke	PROPN
fsr-3326	733	13	,	,	PUNCT
fsr-3326	733	14	m.	m.	NOUN
fsr-3326	733	15	s.	s.	PROPN
fsr-3326	733	16	(	(	PUNCT
fsr-3326	733	17	2011	2011	NUM
fsr-3326	733	18	)	)	PUNCT
fsr-3326	733	19	.	.	PUNCT
fsr-3326	734	1	investor	investor	NOUN
fsr-3326	734	2	prudence	prudence	NOUN
fsr-3326	734	3	and	and	CCONJ
fsr-3326	734	4	the	the	DET
fsr-3326	734	5	role	role	NOUN
fsr-3326	734	6	of	of	ADP
fsr-3326	734	7	financial	financial	ADJ
fsr-3326	734	8	advice	advice	NOUN
fsr-3326	734	9	.	.	PUNCT
fsr-3326	735	1	journal	journal	NOUN
fsr-3326	735	2	of	of	ADP
fsr-3326	735	3	financial	financial	ADJ
fsr-3326	735	4	service	service	NOUN
fsr-3326	735	5	professionals	professional	NOUN
fsr-3326	735	6	,	,	PUNCT
fsr-3326	735	7	65(4	65(4	PROPN
fsr-3326	735	8	)	)	PUNCT
fsr-3326	735	9	,	,	PUNCT
fsr-3326	735	10	43	43	NUM
fsr-3326	735	11	.	.	PUNCT
fsr-3326	736	1	wright	wright	PROPN
fsr-3326	736	2	,	,	PUNCT
fsr-3326	736	3	p.	p.	PROPN
fsr-3326	736	4	,	,	PUNCT
fsr-3326	736	5	mukherji	mukherji	PROPN
fsr-3326	736	6	,	,	PUNCT
fsr-3326	736	7	a.	a.	PROPN
fsr-3326	736	8	,	,	PUNCT
fsr-3326	736	9	&	&	CCONJ
fsr-3326	736	10	kroll	kroll	PROPN
fsr-3326	736	11	,	,	PUNCT
fsr-3326	736	12	m.	m.	NOUN
fsr-3326	736	13	j.	j.	PROPN
fsr-3326	736	14	(	(	PUNCT
fsr-3326	736	15	2001	2001	NUM
fsr-3326	736	16	)	)	PUNCT
fsr-3326	736	17	.	.	PUNCT
fsr-3326	737	1	a	a	DET
fsr-3326	737	2	reexamination	reexamination	NOUN
fsr-3326	737	3	of	of	ADP
fsr-3326	737	4	agency	agency	NOUN
fsr-3326	737	5	theory	theory	NOUN
fsr-3326	737	6	assumptions	assumption	VERB
fsr-3326	737	7	:	:	PUNCT
fsr-3326	737	8	extensions	extension	NOUN
fsr-3326	737	9	and	and	CCONJ
fsr-3326	737	10	extrapolations	extrapolation	NOUN
fsr-3326	737	11	.	.	PUNCT
fsr-3326	738	1	the	the	DET
fsr-3326	738	2	journal	journal	NOUN
fsr-3326	738	3	of	of	ADP
fsr-3326	738	4	socioeconomics	socioeconomic	NOUN
fsr-3326	738	5	,	,	PUNCT
fsr-3326	738	6	30(5	30(5	NUM
fsr-3326	738	7	)	)	PUNCT
fsr-3326	738	8	,	,	PUNCT
fsr-3326	738	9	413	413	NUM
fsr-3326	738	10	-	-	SYM
fsr-3326	738	11	429	429	NUM
fsr-3326	738	12	.	.	PUNCT
fsr-3326	739	1	zhang	zhang	PROPN
fsr-3326	739	2	,	,	PUNCT
fsr-3326	739	3	a.	a.	PROPN
fsr-3326	739	4	c.	c.	PROPN
fsr-3326	739	5	(	(	PUNCT
fsr-3326	739	6	2014	2014	NUM
fsr-3326	739	7	)	)	PUNCT
fsr-3326	739	8	.	.	PUNCT
fsr-3326	740	1	financial	financial	ADJ
fsr-3326	740	2	advice	advice	NOUN
fsr-3326	740	3	and	and	CCONJ
fsr-3326	740	4	asset	asset	NOUN
fsr-3326	740	5	allocation	allocation	NOUN
fsr-3326	740	6	of	of	ADP
fsr-3326	740	7	individual	individual	ADJ
fsr-3326	740	8	investors	investor	NOUN
fsr-3326	740	9	.	.	PUNCT
fsr-3326	741	1	pacific	pacific	PROPN
fsr-3326	741	2	accounting	accounting	PROPN
fsr-3326	741	3	review	review	PROPN
fsr-3326	741	4	,	,	PUNCT
fsr-3326	741	5	26(3	26(3	NUM
fsr-3326	741	6	)	)	PUNCT
fsr-3326	741	7	,	,	PUNCT
fsr-3326	741	8	226247	226247	NUM
fsr-3326	741	9	.	.	PUNCT
fsr-3326	742	1	financial	financial	ADJ
fsr-3326	742	2	services	service	NOUN
fsr-3326	742	3	review	review	PROPN
fsr-3326	742	4	,	,	PUNCT
fsr-3326	742	5	32(3	32(3	NUM
fsr-3326	742	6	)	)	PUNCT
fsr-3326	742	7	53	53	NUM
fsr-3326	742	8	appendix	appendix	VERB
fsr-3326	742	9	a	a	DET
fsr-3326	742	10	table	table	NOUN
fsr-3326	742	11	of	of	ADP
fsr-3326	742	12	articles	article	NOUN
fsr-3326	742	13	authors	author	NOUN
fsr-3326	742	14	type	type	VERB
fsr-3326	742	15	of	of	ADP
fsr-3326	742	16	financial	financial	ADJ
fsr-3326	742	17	advisor	advisor	NOUN
fsr-3326	742	18	methodology	methodology	NOUN
fsr-3326	742	19	measurement	measurement	NOUN
fsr-3326	742	20	of	of	ADP
fsr-3326	742	21	agency	agency	PROPN
fsr-3326	742	22	,	,	PUNCT
fsr-3326	742	23	trust	trust	NOUN
fsr-3326	742	24	,	,	PUNCT
fsr-3326	742	25	or	or	CCONJ
fsr-3326	742	26	knowledge	knowledge	NOUN
fsr-3326	742	27	outcome	outcome	NOUN
fsr-3326	742	28	measurement	measurement	NOUN
fsr-3326	742	29	findings	finding	VERB
fsr-3326	742	30	agency	agency	PROPN
fsr-3326	742	31	theory	theory	PROPN
fsr-3326	742	32	anagol	anagol	VERB
fsr-3326	742	33	et	et	PROPN
fsr-3326	742	34	al	al	PROPN
fsr-3326	742	35	.	.	PROPN
fsr-3326	743	1	(	(	PUNCT
fsr-3326	743	2	2017	2017	NUM
fsr-3326	743	3	)	)	PUNCT
fsr-3326	743	4	insurance	insurance	NOUN
fsr-3326	743	5	agents	agent	NOUN
fsr-3326	743	6	field	field	NOUN
fsr-3326	743	7	experiment	experiment	NOUN
fsr-3326	743	8	(	(	PUNCT
fsr-3326	743	9	audit	audit	NOUN
fsr-3326	743	10	study	study	NOUN
fsr-3326	743	11	)	)	PUNCT
fsr-3326	743	12	choice	choice	NOUN
fsr-3326	743	13	of	of	ADP
fsr-3326	743	14	self	self	NOUN
fsr-3326	743	15	-	-	PUNCT
fsr-3326	743	16	serving	serve	VERB
fsr-3326	743	17	recommendations	recommendation	NOUN
fsr-3326	743	18	different	different	ADJ
fsr-3326	743	19	life	life	NOUN
fsr-3326	743	20	insurance	insurance	NOUN
fsr-3326	743	21	options	option	NOUN
fsr-3326	743	22	advisors	advisor	NOUN
fsr-3326	743	23	are	be	AUX
fsr-3326	743	24	more	more	ADV
fsr-3326	743	25	likely	likely	ADJ
fsr-3326	743	26	to	to	PART
fsr-3326	743	27	recommend	recommend	VERB
fsr-3326	743	28	the	the	DET
fsr-3326	743	29	option	option	NOUN
fsr-3326	743	30	that	that	PRON
fsr-3326	743	31	maximizes	maximize	VERB
fsr-3326	743	32	their	their	PRON
fsr-3326	743	33	commission	commission	PROPN
fsr-3326	743	34	angelova	angelova	PROPN
fsr-3326	743	35	&	&	CCONJ
fsr-3326	743	36	regner	regner	PROPN
fsr-3326	743	37	(	(	PUNCT
fsr-3326	743	38	2013	2013	NUM
fsr-3326	743	39	)	)	PUNCT
fsr-3326	743	40	participants	participant	NOUN
fsr-3326	743	41	acting	act	VERB
fsr-3326	743	42	as	as	ADP
fsr-3326	743	43	financial	financial	ADJ
fsr-3326	743	44	advisors	advisor	NOUN
fsr-3326	743	45	lab	lab	NOUN
fsr-3326	743	46	experiment	experiment	NOUN
fsr-3326	743	47	choice	choice	NOUN
fsr-3326	743	48	of	of	ADP
fsr-3326	743	49	self	self	NOUN
fsr-3326	743	50	-	-	PUNCT
fsr-3326	743	51	serving	serve	VERB
fsr-3326	743	52	recommendations	recommendation	NOUN
fsr-3326	743	53	different	different	ADJ
fsr-3326	743	54	investment	investment	NOUN
fsr-3326	743	55	options	option	NOUN
fsr-3326	743	56	advisors	advisor	NOUN
fsr-3326	743	57	are	be	AUX
fsr-3326	743	58	more	more	ADV
fsr-3326	743	59	likely	likely	ADJ
fsr-3326	743	60	to	to	PART
fsr-3326	743	61	recommend	recommend	VERB
fsr-3326	743	62	the	the	DET
fsr-3326	743	63	option	option	NOUN
fsr-3326	743	64	that	that	PRON
fsr-3326	743	65	maximizes	maximize	VERB
fsr-3326	743	66	their	their	PRON
fsr-3326	743	67	commission	commission	NOUN
fsr-3326	743	68	lump	lump	NOUN
fsr-3326	743	69	sums	sum	NOUN
fsr-3326	743	70	lead	lead	VERB
fsr-3326	743	71	the	the	DET
fsr-3326	743	72	advisor	advisor	NOUN
fsr-3326	743	73	to	to	PART
fsr-3326	743	74	recommend	recommend	VERB
fsr-3326	743	75	more	more	ADV
fsr-3326	743	76	the	the	DET
fsr-3326	743	77	favorable	favorable	ADJ
fsr-3326	743	78	option	option	NOUN
fsr-3326	743	79	for	for	ADP
fsr-3326	743	80	the	the	DET
fsr-3326	743	81	client	client	PROPN
fsr-3326	743	82	angelova	angelova	PROPN
fsr-3326	743	83	&	&	CCONJ
fsr-3326	743	84	regner	regner	PROPN
fsr-3326	743	85	(	(	PUNCT
fsr-3326	743	86	2018	2018	NUM
fsr-3326	743	87	)	)	PUNCT
fsr-3326	743	88	participants	participant	NOUN
fsr-3326	743	89	acting	act	VERB
fsr-3326	743	90	as	as	ADP
fsr-3326	743	91	financial	financial	ADJ
fsr-3326	743	92	advisors	advisor	NOUN
fsr-3326	743	93	lab	lab	NOUN
fsr-3326	743	94	experiment	experiment	NOUN
fsr-3326	743	95	choice	choice	NOUN
fsr-3326	743	96	of	of	ADP
fsr-3326	743	97	self	self	NOUN
fsr-3326	743	98	-	-	PUNCT
fsr-3326	743	99	serving	serve	VERB
fsr-3326	743	100	recommendations	recommendation	NOUN
fsr-3326	743	101	different	different	ADJ
fsr-3326	743	102	investment	investment	NOUN
fsr-3326	743	103	options	option	NOUN
fsr-3326	743	104	advisors	advisor	NOUN
fsr-3326	743	105	are	be	AUX
fsr-3326	743	106	more	more	ADV
fsr-3326	743	107	likely	likely	ADJ
fsr-3326	743	108	to	to	PART
fsr-3326	743	109	recommend	recommend	VERB
fsr-3326	743	110	the	the	DET
fsr-3326	743	111	option	option	NOUN
fsr-3326	743	112	that	that	PRON
fsr-3326	743	113	maximizes	maximize	VERB
fsr-3326	743	114	their	their	PRON
fsr-3326	743	115	commission	commission	NOUN
fsr-3326	743	116	competition	competition	NOUN
fsr-3326	743	117	and	and	CCONJ
fsr-3326	743	118	reputation	reputation	NOUN
fsr-3326	743	119	can	can	AUX
fsr-3326	743	120	lead	lead	VERB
fsr-3326	743	121	the	the	DET
fsr-3326	743	122	advisor	advisor	NOUN
fsr-3326	743	123	to	to	PART
fsr-3326	743	124	recommend	recommend	VERB
fsr-3326	743	125	more	more	ADV
fsr-3326	743	126	the	the	DET
fsr-3326	743	127	favorable	favorable	ADJ
fsr-3326	743	128	option	option	NOUN
fsr-3326	743	129	for	for	ADP
fsr-3326	743	130	the	the	DET
fsr-3326	743	131	client	client	NOUN
fsr-3326	743	132	beyer	beyer	PROPN
fsr-3326	743	133	et	et	PROPN
fsr-3326	743	134	al	al	PROPN
fsr-3326	743	135	.	.	PROPN
fsr-3326	744	1	(	(	PUNCT
fsr-3326	744	2	2013	2013	NUM
fsr-3326	744	3	)	)	PUNCT
fsr-3326	744	4	participants	participant	NOUN
fsr-3326	744	5	acting	act	VERB
fsr-3326	744	6	as	as	ADP
fsr-3326	744	7	insurance	insurance	NOUN
fsr-3326	744	8	advisors	advisor	NOUN
fsr-3326	744	9	lab	lab	NOUN
fsr-3326	744	10	experiment	experiment	NOUN
fsr-3326	744	11	choice	choice	NOUN
fsr-3326	744	12	of	of	ADP
fsr-3326	744	13	self	self	NOUN
fsr-3326	744	14	-	-	PUNCT
fsr-3326	744	15	serving	serve	VERB
fsr-3326	744	16	recommendations	recommendation	NOUN
fsr-3326	744	17	different	different	ADJ
fsr-3326	744	18	extended	extended	ADJ
fsr-3326	744	19	coverage	coverage	NOUN
fsr-3326	744	20	options	option	NOUN
fsr-3326	744	21	advisors	advisor	NOUN
fsr-3326	744	22	are	be	AUX
fsr-3326	744	23	more	more	ADV
fsr-3326	744	24	likely	likely	ADJ
fsr-3326	744	25	to	to	PART
fsr-3326	744	26	recommend	recommend	VERB
fsr-3326	744	27	the	the	DET
fsr-3326	744	28	option	option	NOUN
fsr-3326	744	29	that	that	PRON
fsr-3326	744	30	maximizes	maximize	VERB
fsr-3326	744	31	their	their	PRON
fsr-3326	744	32	commission	commission	NOUN
fsr-3326	744	33	bigel	bigel	NOUN
fsr-3326	744	34	(	(	PUNCT
fsr-3326	744	35	2000	2000	NUM
fsr-3326	744	36	)	)	PUNCT
fsr-3326	744	37	certified	certify	VERB
fsr-3326	744	38	financial	financial	ADJ
fsr-3326	744	39	planners	planner	NOUN
fsr-3326	744	40	(	(	PUNCT
fsr-3326	744	41	cfp	cfp	NOUN
fsr-3326	744	42	)	)	PUNCT
fsr-3326	744	43	and	and	CCONJ
fsr-3326	744	44	non	non	ADJ
fsr-3326	744	45	-	-	ADJ
fsr-3326	744	46	certified	certified	ADJ
fsr-3326	744	47	financial	financial	ADJ
fsr-3326	744	48	advisors	advisor	NOUN
fsr-3326	744	49	mail	mail	NOUN
fsr-3326	744	50	survey	survey	VERB
fsr-3326	744	51	no	no	DET
fsr-3326	744	52	explicit	explicit	ADJ
fsr-3326	744	53	measure	measure	NOUN
fsr-3326	744	54	,	,	PUNCT
fsr-3326	744	55	but	but	CCONJ
fsr-3326	744	56	a	a	DET
fsr-3326	744	57	measure	measure	NOUN
fsr-3326	744	58	of	of	ADP
fsr-3326	744	59	ethics	ethic	NOUN
fsr-3326	744	60	comparison	comparison	NOUN
fsr-3326	744	61	of	of	ADP
fsr-3326	744	62	the	the	DET
fsr-3326	744	63	results	result	NOUN
fsr-3326	744	64	on	on	ADP
fsr-3326	744	65	the	the	DET
fsr-3326	744	66	ethical	ethical	ADJ
fsr-3326	744	67	questions	question	NOUN
fsr-3326	744	68	holding	hold	VERB
fsr-3326	744	69	a	a	DET
fsr-3326	744	70	professional	professional	ADJ
fsr-3326	744	71	title	title	NOUN
fsr-3326	744	72	is	be	AUX
fsr-3326	744	73	linked	link	VERB
fsr-3326	744	74	to	to	ADP
fsr-3326	744	75	a	a	DET
fsr-3326	744	76	higher	high	ADJ
fsr-3326	744	77	level	level	NOUN
fsr-3326	744	78	of	of	ADP
fsr-3326	744	79	ethics	ethic	NOUN
fsr-3326	744	80	the	the	DET
fsr-3326	744	81	form	form	NOUN
fsr-3326	744	82	of	of	ADP
fsr-3326	744	83	compensation	compensation	NOUN
fsr-3326	744	84	does	do	AUX
fsr-3326	744	85	not	not	PART
fsr-3326	744	86	affect	affect	VERB
fsr-3326	744	87	the	the	DET
fsr-3326	744	88	level	level	NOUN
fsr-3326	744	89	of	of	ADP
fsr-3326	744	90	ethics	ethic	NOUN
fsr-3326	744	91	of	of	ADP
fsr-3326	744	92	planners	planner	NOUN
fsr-3326	744	93	pilote	pilote	PROPN
fsr-3326	744	94	et	et	PROPN
fsr-3326	744	95	al	al	PROPN
fsr-3326	744	96	.	.	PROPN
fsr-3326	745	1	54	54	NUM
fsr-3326	745	2	bluethgen	bluethgen	NOUN
fsr-3326	745	3	et	et	PROPN
fsr-3326	745	4	al	al	PROPN
fsr-3326	745	5	.	.	PROPN
fsr-3326	746	1	(	(	PUNCT
fsr-3326	746	2	2008	2008	NUM
fsr-3326	746	3	)	)	PUNCT
fsr-3326	746	4	independent	independent	ADJ
fsr-3326	746	5	financial	financial	ADJ
fsr-3326	746	6	advisors	advisor	NOUN
fsr-3326	746	7	,	,	PUNCT
fsr-3326	746	8	title	title	NOUN
fsr-3326	746	9	not	not	PART
fsr-3326	746	10	specified	specify	VERB
fsr-3326	746	11	survey	survey	NOUN
fsr-3326	746	12	choice	choice	NOUN
fsr-3326	746	13	of	of	ADP
fsr-3326	746	14	self	self	NOUN
fsr-3326	746	15	-	-	PUNCT
fsr-3326	746	16	serving	serve	VERB
fsr-3326	746	17	assets	asset	NOUN
fsr-3326	746	18	and	and	CCONJ
fsr-3326	746	19	the	the	DET
fsr-3326	746	20	choice	choice	NOUN
fsr-3326	746	21	of	of	ADP
fsr-3326	746	22	actively	actively	ADV
fsr-3326	746	23	managing	manage	VERB
fsr-3326	746	24	portfolios	portfolio	NOUN
fsr-3326	746	25	assets	asset	NOUN
fsr-3326	746	26	allocation	allocation	NOUN
fsr-3326	746	27	compensation	compensation	NOUN
fsr-3326	746	28	structure	structure	NOUN
fsr-3326	746	29	and	and	CCONJ
fsr-3326	746	30	advisor	advisor	NOUN
fsr-3326	746	31	’s	’s	PART
fsr-3326	746	32	rationality	rationality	NOUN
fsr-3326	746	33	are	be	AUX
fsr-3326	746	34	the	the	DET
fsr-3326	746	35	two	two	NUM
fsr-3326	746	36	most	most	ADV
fsr-3326	746	37	important	important	ADJ
fsr-3326	746	38	predictors	predictor	NOUN
fsr-3326	746	39	of	of	ADP
fsr-3326	746	40	the	the	DET
fsr-3326	746	41	quality	quality	NOUN
fsr-3326	746	42	of	of	ADP
fsr-3326	746	43	advice	advice	NOUN
fsr-3326	746	44	provided	provide	VERB
fsr-3326	746	45	to	to	ADP
fsr-3326	746	46	clients	client	NOUN
fsr-3326	746	47	bolton	bolton	PROPN
fsr-3326	746	48	et	et	PROPN
fsr-3326	746	49	al	al	PROPN
fsr-3326	746	50	.	.	PROPN
fsr-3326	747	1	(	(	PUNCT
fsr-3326	747	2	2007	2007	NUM
fsr-3326	747	3	)	)	PUNCT
fsr-3326	747	4	not	not	PART
fsr-3326	747	5	applicable	applicable	ADJ
fsr-3326	747	6	analytical	analytical	ADJ
fsr-3326	747	7	model	model	NOUN
fsr-3326	747	8	choice	choice	NOUN
fsr-3326	747	9	of	of	ADP
fsr-3326	747	10	self	self	NOUN
fsr-3326	747	11	-	-	PUNCT
fsr-3326	747	12	serving	serve	VERB
fsr-3326	747	13	recommendations	recommendation	NOUN
fsr-3326	747	14	recommendation	recommendation	NOUN
fsr-3326	747	15	choice	choice	NOUN
fsr-3326	747	16	the	the	DET
fsr-3326	747	17	more	more	ADJ
fsr-3326	747	18	profit	profit	NOUN
fsr-3326	747	19	the	the	DET
fsr-3326	747	20	financial	financial	ADJ
fsr-3326	747	21	institution	institution	NOUN
fsr-3326	747	22	can	can	AUX
fsr-3326	747	23	make	make	VERB
fsr-3326	747	24	by	by	ADP
fsr-3326	747	25	directing	direct	VERB
fsr-3326	747	26	clients	client	NOUN
fsr-3326	747	27	to	to	ADP
fsr-3326	747	28	a	a	DET
fsr-3326	747	29	particular	particular	ADJ
fsr-3326	747	30	type	type	NOUN
fsr-3326	747	31	of	of	ADP
fsr-3326	747	32	investment	investment	NOUN
fsr-3326	747	33	,	,	PUNCT
fsr-3326	747	34	the	the	PRON
fsr-3326	747	35	more	more	ADV
fsr-3326	747	36	tempted	tempt	VERB
fsr-3326	747	37	it	it	PRON
fsr-3326	747	38	will	will	AUX
fsr-3326	747	39	be	be	AUX
fsr-3326	747	40	to	to	PART
fsr-3326	747	41	do	do	VERB
fsr-3326	747	42	so	so	ADV
fsr-3326	747	43	,	,	PUNCT
fsr-3326	747	44	even	even	ADV
fsr-3326	747	45	if	if	SCONJ
fsr-3326	747	46	this	this	PRON
fsr-3326	747	47	affects	affect	VERB
fsr-3326	747	48	its	its	PRON
fsr-3326	747	49	credibility	credibility	NOUN
fsr-3326	747	50	.	.	PUNCT
fsr-3326	748	1	burke	burke	PROPN
fsr-3326	748	2	et	et	PROPN
fsr-3326	748	3	al	al	PROPN
fsr-3326	748	4	.	.	PROPN
fsr-3326	749	1	(	(	PUNCT
fsr-3326	749	2	2015	2015	NUM
fsr-3326	749	3	)	)	PUNCT
fsr-3326	749	4	financial	financial	ADJ
fsr-3326	749	5	advisors	advisor	NOUN
fsr-3326	749	6	,	,	PUNCT
fsr-3326	749	7	title	title	NOUN
fsr-3326	749	8	not	not	PART
fsr-3326	749	9	specified	specify	VERB
fsr-3326	749	10	literature	literature	NOUN
fsr-3326	749	11	review	review	NOUN
fsr-3326	749	12	not	not	PART
fsr-3326	749	13	applicable	applicable	ADJ
fsr-3326	749	14	not	not	PART
fsr-3326	749	15	applicable	applicable	ADJ
fsr-3326	749	16	financial	financial	ADJ
fsr-3326	749	17	advisors	advisor	NOUN
fsr-3326	749	18	maximize	maximize	VERB
fsr-3326	749	19	their	their	PRON
fsr-3326	749	20	own	own	ADJ
fsr-3326	749	21	interests	interest	NOUN
fsr-3326	749	22	at	at	ADP
fsr-3326	749	23	the	the	DET
fsr-3326	749	24	expense	expense	NOUN
fsr-3326	749	25	of	of	ADP
fsr-3326	749	26	their	their	PRON
fsr-3326	749	27	clients	client	NOUN
fsr-3326	749	28	'	'	PART
fsr-3326	749	29	interests	interest	NOUN
fsr-3326	749	30	chalmers	chalmer	NOUN
fsr-3326	749	31	&	&	CCONJ
fsr-3326	749	32	reuter	reuter	PROPN
fsr-3326	749	33	(	(	PUNCT
fsr-3326	749	34	2020	2020	NUM
fsr-3326	749	35	)	)	PUNCT
fsr-3326	749	36	brokers	broker	NOUN
fsr-3326	749	37	,	,	PUNCT
fsr-3326	749	38	title	title	NOUN
fsr-3326	749	39	not	not	PART
fsr-3326	749	40	specified	specify	VERB
fsr-3326	749	41	archival	archival	NOUN
fsr-3326	749	42	data	datum	NOUN
fsr-3326	749	43	with	with	ADP
fsr-3326	749	44	field	field	NOUN
fsr-3326	749	45	experiment	experiment	NOUN
fsr-3326	749	46	and	and	CCONJ
fsr-3326	749	47	online	online	ADJ
fsr-3326	749	48	survey	survey	NOUN
fsr-3326	749	49	the	the	DET
fsr-3326	749	50	conflict	conflict	NOUN
fsr-3326	749	51	of	of	ADP
fsr-3326	749	52	interest	interest	NOUN
fsr-3326	749	53	of	of	ADP
fsr-3326	749	54	brokers	broker	NOUN
fsr-3326	749	55	is	be	AUX
fsr-3326	749	56	assumed	assume	VERB
fsr-3326	749	57	annual	annual	ADJ
fsr-3326	749	58	return	return	NOUN
fsr-3326	749	59	and	and	CCONJ
fsr-3326	749	60	volatility	volatility	NOUN
fsr-3326	749	61	of	of	ADP
fsr-3326	749	62	assets	asset	NOUN
fsr-3326	749	63	if	if	SCONJ
fsr-3326	749	64	a	a	DET
fsr-3326	749	65	default	default	NOUN
fsr-3326	749	66	option	option	NOUN
fsr-3326	749	67	for	for	ADP
fsr-3326	749	68	a	a	DET
fsr-3326	749	69	retirement	retirement	NOUN
fsr-3326	749	70	plan	plan	NOUN
fsr-3326	749	71	exists	exist	VERB
fsr-3326	749	72	and	and	CCONJ
fsr-3326	749	73	it	it	PRON
fsr-3326	749	74	is	be	AUX
fsr-3326	749	75	well	well	ADV
fsr-3326	749	76	designed	design	VERB
fsr-3326	749	77	,	,	PUNCT
fsr-3326	749	78	individuals	individual	NOUN
fsr-3326	749	79	are	be	AUX
fsr-3326	749	80	better	well	ADJ
fsr-3326	749	81	off	off	ADP
fsr-3326	749	82	with	with	ADP
fsr-3326	749	83	it	it	PRON
fsr-3326	749	84	than	than	ADP
fsr-3326	749	85	with	with	ADP
fsr-3326	749	86	financial	financial	ADJ
fsr-3326	749	87	advice	advice	NOUN
fsr-3326	749	88	with	with	ADP
fsr-3326	749	89	a	a	DET
fsr-3326	749	90	conflict	conflict	NOUN
fsr-3326	749	91	of	of	ADP
fsr-3326	749	92	interest	interest	NOUN
fsr-3326	749	93	advisors	advisor	NOUN
fsr-3326	749	94	recommend	recommend	VERB
fsr-3326	749	95	assets	asset	NOUN
fsr-3326	749	96	with	with	ADP
fsr-3326	749	97	high	high	ADJ
fsr-3326	749	98	commissions	commission	NOUN
fsr-3326	749	99	chen	chen	PROPN
fsr-3326	749	100	&	&	CCONJ
fsr-3326	749	101	richardson	richardson	PROPN
fsr-3326	749	102	(	(	PUNCT
fsr-3326	749	103	2018	2018	NUM
fsr-3326	749	104	)	)	PUNCT
fsr-3326	749	105	participants	participant	NOUN
fsr-3326	749	106	acting	act	VERB
fsr-3326	749	107	as	as	ADP
fsr-3326	749	108	financial	financial	ADJ
fsr-3326	749	109	advisors	advisor	NOUN
fsr-3326	749	110	lab	lab	NOUN
fsr-3326	749	111	experiment	experiment	NOUN
fsr-3326	749	112	choice	choice	NOUN
fsr-3326	749	113	of	of	ADP
fsr-3326	749	114	self	self	NOUN
fsr-3326	749	115	-	-	PUNCT
fsr-3326	749	116	serving	serve	VERB
fsr-3326	749	117	recommendations	recommendation	NOUN
fsr-3326	749	118	client	client	NOUN
fsr-3326	749	119	’s	’s	PART
fsr-3326	749	120	monetary	monetary	ADJ
fsr-3326	749	121	results	result	NOUN
fsr-3326	749	122	minus	minus	ADP
fsr-3326	749	123	the	the	DET
fsr-3326	749	124	amount	amount	NOUN
fsr-3326	749	125	paid	pay	VERB
fsr-3326	749	126	advisors	advisor	NOUN
fsr-3326	749	127	are	be	AUX
fsr-3326	749	128	more	more	ADV
fsr-3326	749	129	likely	likely	ADJ
fsr-3326	749	130	to	to	PART
fsr-3326	749	131	recommend	recommend	VERB
fsr-3326	749	132	the	the	DET
fsr-3326	749	133	option	option	NOUN
fsr-3326	749	134	that	that	PRON
fsr-3326	749	135	maximizes	maximize	VERB
fsr-3326	749	136	their	their	PRON
fsr-3326	749	137	commission	commission	PROPN
fsr-3326	749	138	chen	chen	PROPN
fsr-3326	749	139	&	&	CCONJ
fsr-3326	749	140	richardson	richardson	PROPN
fsr-3326	749	141	(	(	PUNCT
fsr-3326	749	142	2019	2019	NUM
fsr-3326	749	143	)	)	PUNCT
fsr-3326	749	144	participants	participant	NOUN
fsr-3326	749	145	acting	act	VERB
fsr-3326	749	146	as	as	SCONJ
fsr-3326	749	147	financial	financial	ADJ
fsr-3326	749	148	advisors	advisor	NOUN
fsr-3326	749	149	lab	lab	NOUN
fsr-3326	749	150	experiment	experiment	NOUN
fsr-3326	749	151	choice	choice	NOUN
fsr-3326	749	152	of	of	ADP
fsr-3326	749	153	self	self	NOUN
fsr-3326	749	154	-	-	PUNCT
fsr-3326	749	155	serving	serve	VERB
fsr-3326	749	156	recommendations	recommendation	NOUN
fsr-3326	749	157	client	client	NOUN
fsr-3326	749	158	’s	’s	PART
fsr-3326	749	159	monetary	monetary	ADJ
fsr-3326	749	160	results	result	NOUN
fsr-3326	749	161	advisors	advisor	NOUN
fsr-3326	749	162	are	be	AUX
fsr-3326	749	163	more	more	ADV
fsr-3326	749	164	likely	likely	ADJ
fsr-3326	749	165	to	to	PART
fsr-3326	749	166	recommend	recommend	VERB
fsr-3326	749	167	the	the	DET
fsr-3326	749	168	option	option	NOUN
fsr-3326	749	169	that	that	PRON
fsr-3326	749	170	maximizes	maximize	VERB
fsr-3326	749	171	their	their	PRON
fsr-3326	749	172	commission	commission	NOUN
fsr-3326	749	173	christoffersen	christoffersen	VERB
fsr-3326	749	174	et	et	NOUN
fsr-3326	749	175	al	al	PROPN
fsr-3326	749	176	.	.	PROPN
fsr-3326	750	1	(	(	PUNCT
fsr-3326	750	2	2013	2013	NUM
fsr-3326	750	3	)	)	PUNCT
fsr-3326	750	4	mutual	mutual	ADJ
fsr-3326	750	5	funds	fund	NOUN
fsr-3326	750	6	broker	broker	PROPN
fsr-3326	750	7	archival	archival	NOUN
fsr-3326	750	8	data	datum	NOUN
fsr-3326	750	9	choice	choice	NOUN
fsr-3326	750	10	of	of	ADP
fsr-3326	750	11	mutual	mutual	ADJ
fsr-3326	750	12	funds	fund	NOUN
fsr-3326	750	13	with	with	ADP
fsr-3326	750	14	higher	high	ADJ
fsr-3326	750	15	incentive	incentive	NOUN
fsr-3326	750	16	the	the	DET
fsr-3326	750	17	positive	positive	ADJ
fsr-3326	750	18	or	or	CCONJ
fsr-3326	750	19	negative	negative	ADJ
fsr-3326	750	20	flow	flow	NOUN
fsr-3326	750	21	to	to	ADP
fsr-3326	750	22	a	a	DET
fsr-3326	750	23	mutual	mutual	ADJ
fsr-3326	750	24	fund	fund	NOUN
fsr-3326	750	25	commissions	commission	NOUN
fsr-3326	750	26	from	from	ADP
fsr-3326	750	27	mutual	mutual	ADJ
fsr-3326	750	28	funds	fund	NOUN
fsr-3326	750	29	affect	affect	VERB
fsr-3326	750	30	broker	broker	NOUN
fsr-3326	750	31	recommendations	recommendation	NOUN
fsr-3326	750	32	cupach	cupach	PROPN
fsr-3326	750	33	&	&	CCONJ
fsr-3326	750	34	carson	carson	PROPN
fsr-3326	750	35	(	(	PUNCT
fsr-3326	750	36	2002	2002	NUM
fsr-3326	750	37	)	)	PUNCT
fsr-3326	750	38	insurance	insurance	NOUN
fsr-3326	750	39	agents	agent	NOUN
fsr-3326	750	40	mail	mail	NOUN
fsr-3326	750	41	survey	survey	NOUN
fsr-3326	750	42	choice	choice	NOUN
fsr-3326	750	43	of	of	ADP
fsr-3326	750	44	self	self	NOUN
fsr-3326	750	45	-	-	PUNCT
fsr-3326	750	46	serving	serve	VERB
fsr-3326	750	47	recommendations	recommendation	NOUN
fsr-3326	750	48	amount	amount	NOUN
fsr-3326	750	49	and	and	CCONJ
fsr-3326	750	50	type	type	NOUN
fsr-3326	750	51	of	of	ADP
fsr-3326	750	52	insurance	insurance	NOUN
fsr-3326	750	53	recommended	recommend	VERB
fsr-3326	750	54	the	the	DET
fsr-3326	750	55	form	form	NOUN
fsr-3326	750	56	of	of	ADP
fsr-3326	750	57	compensation	compensation	NOUN
fsr-3326	750	58	for	for	ADP
fsr-3326	750	59	insurance	insurance	NOUN
fsr-3326	750	60	agents	agent	NOUN
fsr-3326	750	61	does	do	AUX
fsr-3326	750	62	not	not	PART
fsr-3326	750	63	financial	financial	ADJ
fsr-3326	750	64	services	service	NOUN
fsr-3326	750	65	review	review	NOUN
fsr-3326	750	66	,	,	PUNCT
fsr-3326	750	67	32(3	32(3	NUM
fsr-3326	750	68	)	)	PUNCT
fsr-3326	750	69	55	55	NUM
fsr-3326	750	70	affect	affect	VERB
fsr-3326	750	71	their	their	PRON
fsr-3326	750	72	product	product	NOUN
fsr-3326	750	73	recommendations	recommendation	NOUN
fsr-3326	750	74	danilov	danilov	VERB
fsr-3326	750	75	et	et	PROPN
fsr-3326	750	76	al	al	PROPN
fsr-3326	750	77	.	.	PROPN
fsr-3326	751	1	(	(	PUNCT
fsr-3326	751	2	2013	2013	NUM
fsr-3326	751	3	)	)	PUNCT
fsr-3326	751	4	bank	bank	NOUN
fsr-3326	751	5	employees	employee	NOUN
fsr-3326	751	6	lab	lab	VERB
fsr-3326	751	7	experiment	experiment	NOUN
fsr-3326	751	8	choice	choice	NOUN
fsr-3326	751	9	of	of	ADP
fsr-3326	751	10	self	self	NOUN
fsr-3326	751	11	-	-	PUNCT
fsr-3326	751	12	serving	serve	VERB
fsr-3326	751	13	recommendations	recommendation	NOUN
fsr-3326	751	14	different	different	ADJ
fsr-3326	751	15	financial	financial	ADJ
fsr-3326	751	16	product	product	NOUN
fsr-3326	751	17	options	option	NOUN
fsr-3326	751	18	advisors	advisor	NOUN
fsr-3326	751	19	are	be	AUX
fsr-3326	751	20	more	more	ADV
fsr-3326	751	21	likely	likely	ADJ
fsr-3326	751	22	to	to	PART
fsr-3326	751	23	recommend	recommend	VERB
fsr-3326	751	24	the	the	DET
fsr-3326	751	25	option	option	NOUN
fsr-3326	751	26	that	that	PRON
fsr-3326	751	27	maximizes	maximize	VERB
fsr-3326	751	28	their	their	PRON
fsr-3326	751	29	commission	commission	NOUN
fsr-3326	751	30	group	group	NOUN
fsr-3326	751	31	incentives	incentive	NOUN
fsr-3326	751	32	amplified	amplify	VERB
fsr-3326	751	33	the	the	DET
fsr-3326	751	34	effect	effect	NOUN
fsr-3326	751	35	dvorak	dvorak	NOUN
fsr-3326	751	36	(	(	PUNCT
fsr-3326	751	37	2015	2015	NUM
fsr-3326	751	38	)	)	PUNCT
fsr-3326	751	39	financial	financial	ADJ
fsr-3326	751	40	advisory	advisory	ADJ
fsr-3326	751	41	firms	firm	NOUN
fsr-3326	751	42	archival	archival	VERB
fsr-3326	751	43	data	datum	NOUN
fsr-3326	751	44	choice	choice	NOUN
fsr-3326	751	45	of	of	ADP
fsr-3326	751	46	mutual	mutual	ADJ
fsr-3326	751	47	funds	fund	NOUN
fsr-3326	751	48	with	with	ADP
fsr-3326	751	49	higher	high	ADJ
fsr-3326	751	50	fees	fee	NOUN
fsr-3326	751	51	the	the	DET
fsr-3326	751	52	variation	variation	NOUN
fsr-3326	751	53	in	in	ADP
fsr-3326	751	54	fees	fee	NOUN
fsr-3326	751	55	between	between	ADP
fsr-3326	751	56	the	the	DET
fsr-3326	751	57	funds	fund	NOUN
fsr-3326	751	58	held	hold	VERB
fsr-3326	751	59	in	in	ADP
fsr-3326	751	60	the	the	DET
fsr-3326	751	61	retirement	retirement	NOUN
fsr-3326	751	62	plan	plan	NOUN
fsr-3326	751	63	for	for	ADP
fsr-3326	751	64	their	their	PRON
fsr-3326	751	65	own	own	ADJ
fsr-3326	751	66	employees	employee	NOUN
fsr-3326	751	67	and	and	CCONJ
fsr-3326	751	68	their	their	PRON
fsr-3326	751	69	clients	client	NOUN
fsr-3326	751	70	the	the	DET
fsr-3326	751	71	retirement	retirement	NOUN
fsr-3326	751	72	plans	plan	NOUN
fsr-3326	751	73	for	for	ADP
fsr-3326	751	74	their	their	PRON
fsr-3326	751	75	clients	client	NOUN
fsr-3326	751	76	and	and	CCONJ
fsr-3326	751	77	their	their	PRON
fsr-3326	751	78	employees	employee	NOUN
fsr-3326	751	79	are	be	AUX
fsr-3326	751	80	very	very	ADV
fsr-3326	751	81	similar	similar	ADJ
fsr-3326	751	82	,	,	PUNCT
fsr-3326	751	83	except	except	SCONJ
fsr-3326	751	84	that	that	SCONJ
fsr-3326	751	85	the	the	DET
fsr-3326	751	86	clients	client	NOUN
fsr-3326	751	87	have	have	AUX
fsr-3326	751	88	higher	high	ADJ
fsr-3326	751	89	fees	fee	NOUN
fsr-3326	751	90	finke	finke	PROPN
fsr-3326	751	91	(	(	PUNCT
fsr-3326	751	92	2013	2013	NUM
fsr-3326	751	93	)	)	PUNCT
fsr-3326	751	94	financial	financial	ADJ
fsr-3326	751	95	advisor	advisor	NOUN
fsr-3326	751	96	,	,	PUNCT
fsr-3326	751	97	title	title	NOUN
fsr-3326	751	98	not	not	PART
fsr-3326	751	99	specified	specify	VERB
fsr-3326	751	100	literature	literature	NOUN
fsr-3326	751	101	review	review	NOUN
fsr-3326	751	102	not	not	PART
fsr-3326	751	103	applicable	applicable	ADJ
fsr-3326	751	104	not	not	PART
fsr-3326	751	105	applicable	applicable	ADJ
fsr-3326	751	106	the	the	DET
fsr-3326	751	107	positive	positive	ADJ
fsr-3326	751	108	contribution	contribution	NOUN
fsr-3326	751	109	of	of	ADP
fsr-3326	751	110	the	the	DET
fsr-3326	751	111	financial	financial	ADJ
fsr-3326	751	112	advisor	advisor	NOUN
fsr-3326	751	113	could	could	AUX
fsr-3326	751	114	be	be	AUX
fsr-3326	751	115	negated	negate	VERB
fsr-3326	751	116	by	by	ADP
fsr-3326	751	117	the	the	DET
fsr-3326	751	118	presence	presence	NOUN
fsr-3326	751	119	of	of	ADP
fsr-3326	751	120	a	a	DET
fsr-3326	751	121	conflict	conflict	NOUN
fsr-3326	751	122	of	of	ADP
fsr-3326	751	123	interest	interest	NOUN
fsr-3326	751	124	between	between	ADP
fsr-3326	751	125	the	the	DET
fsr-3326	751	126	advisor	advisor	NOUN
fsr-3326	751	127	and	and	CCONJ
fsr-3326	751	128	the	the	DET
fsr-3326	751	129	client	client	NOUN
fsr-3326	751	130	foerster	foerster	PROPN
fsr-3326	751	131	et	et	PROPN
fsr-3326	751	132	al	al	PROPN
fsr-3326	751	133	.	.	PROPN
fsr-3326	752	1	(	(	PUNCT
fsr-3326	752	2	2017	2017	NUM
fsr-3326	752	3	)	)	PUNCT
fsr-3326	752	4	financial	financial	ADJ
fsr-3326	752	5	advisor	advisor	NOUN
fsr-3326	752	6	,	,	PUNCT
fsr-3326	752	7	title	title	NOUN
fsr-3326	752	8	not	not	PART
fsr-3326	752	9	specified	specify	VERB
fsr-3326	752	10	archival	archival	NOUN
fsr-3326	752	11	data	datum	NOUN
fsr-3326	752	12	no	no	DET
fsr-3326	752	13	explicit	explicit	ADJ
fsr-3326	752	14	measure	measure	NOUN
fsr-3326	752	15	investors	investor	NOUN
fsr-3326	752	16	'	'	PART
fsr-3326	752	17	portfolio	portfolio	NOUN
fsr-3326	752	18	of	of	ADP
fsr-3326	752	19	assets	asset	NOUN
fsr-3326	752	20	clients	client	NOUN
fsr-3326	752	21	'	'	PART
fsr-3326	752	22	portfolio	portfolio	NOUN
fsr-3326	752	23	is	be	AUX
fsr-3326	752	24	an	an	DET
fsr-3326	752	25	imperfect	imperfect	ADJ
fsr-3326	752	26	copy	copy	NOUN
fsr-3326	752	27	of	of	ADP
fsr-3326	752	28	their	their	PRON
fsr-3326	752	29	advisor	advisor	NOUN
fsr-3326	752	30	's	's	PART
fsr-3326	752	31	clients	client	NOUN
fsr-3326	752	32	pay	pay	VERB
fsr-3326	752	33	2.5	2.5	NUM
fsr-3326	752	34	%	%	NOUN
fsr-3326	752	35	of	of	ADP
fsr-3326	752	36	the	the	DET
fsr-3326	752	37	value	value	NOUN
fsr-3326	752	38	of	of	ADP
fsr-3326	752	39	the	the	DET
fsr-3326	752	40	portfolio	portfolio	NOUN
fsr-3326	752	41	annually	annually	ADV
fsr-3326	752	42	to	to	PART
fsr-3326	752	43	receive	receive	VERB
fsr-3326	752	44	the	the	DET
fsr-3326	752	45	same	same	ADJ
fsr-3326	752	46	advice	advice	NOUN
fsr-3326	752	47	as	as	SCONJ
fsr-3326	752	48	all	all	PRON
fsr-3326	752	49	of	of	ADP
fsr-3326	752	50	the	the	DET
fsr-3326	752	51	advisor	advisor	NOUN
fsr-3326	752	52	's	's	PART
fsr-3326	752	53	other	other	ADJ
fsr-3326	752	54	clients	client	NOUN
fsr-3326	752	55	golec	golec	NOUN
fsr-3326	752	56	(	(	PUNCT
fsr-3326	752	57	1992	1992	NUM
fsr-3326	752	58	)	)	PUNCT
fsr-3326	752	59	financial	financial	ADJ
fsr-3326	752	60	advisor	advisor	NOUN
fsr-3326	752	61	,	,	PUNCT
fsr-3326	752	62	title	title	NOUN
fsr-3326	752	63	not	not	PART
fsr-3326	752	64	specified	specify	VERB
fsr-3326	752	65	archival	archival	NOUN
fsr-3326	752	66	data	datum	NOUN
fsr-3326	752	67	incentives	incentive	NOUN
fsr-3326	752	68	provided	provide	VERB
fsr-3326	752	69	by	by	ADP
fsr-3326	752	70	the	the	DET
fsr-3326	752	71	mutual	mutual	ADJ
fsr-3326	752	72	funds	fund	NOUN
fsr-3326	752	73	to	to	ADP
fsr-3326	752	74	the	the	DET
fsr-3326	752	75	advisor	advisor	NOUN
fsr-3326	752	76	performance	performance	NOUN
fsr-3326	752	77	of	of	ADP
fsr-3326	752	78	the	the	DET
fsr-3326	752	79	mutual	mutual	ADJ
fsr-3326	752	80	funds	fund	NOUN
fsr-3326	752	81	mutual	mutual	ADJ
fsr-3326	752	82	funds	fund	NOUN
fsr-3326	752	83	with	with	ADP
fsr-3326	752	84	base	base	NOUN
fsr-3326	752	85	fees	fee	NOUN
fsr-3326	752	86	and	and	CCONJ
fsr-3326	752	87	advisor	advisor	NOUN
fsr-3326	752	88	incentives	incentive	NOUN
fsr-3326	752	89	attract	attract	VERB
fsr-3326	752	90	more	more	ADJ
fsr-3326	752	91	investment	investment	NOUN
fsr-3326	752	92	and	and	CCONJ
fsr-3326	752	93	have	have	VERB
fsr-3326	752	94	better	well	ADJ
fsr-3326	752	95	financial	financial	ADJ
fsr-3326	752	96	results	result	NOUN
fsr-3326	752	97	hackethal	hackethal	VERB
fsr-3326	752	98	et	et	PROPN
fsr-3326	752	99	al	al	PROPN
fsr-3326	752	100	.	.	PROPN
fsr-3326	753	1	(	(	PUNCT
fsr-3326	753	2	2012	2012	NUM
fsr-3326	753	3	)	)	PUNCT
fsr-3326	753	4	independent	independent	ADJ
fsr-3326	753	5	financial	financial	ADJ
fsr-3326	753	6	advisor	advisor	NOUN
fsr-3326	753	7	and	and	CCONJ
fsr-3326	753	8	bank	bank	NOUN
fsr-3326	753	9	-	-	PUNCT
fsr-3326	753	10	related	relate	VERB
fsr-3326	753	11	financial	financial	ADJ
fsr-3326	753	12	advisor	advisor	NOUN
fsr-3326	753	13	,	,	PUNCT
fsr-3326	753	14	title	title	NOUN
fsr-3326	753	15	not	not	PART
fsr-3326	753	16	specified	specify	VERB
fsr-3326	753	17	archival	archival	NOUN
fsr-3326	753	18	data	datum	NOUN
fsr-3326	753	19	incentive	incentive	NOUN
fsr-3326	753	20	to	to	PART
fsr-3326	753	21	do	do	AUX
fsr-3326	753	22	more	more	ADJ
fsr-3326	753	23	trade	trade	NOUN
fsr-3326	753	24	performance	performance	NOUN
fsr-3326	753	25	of	of	ADP
fsr-3326	753	26	the	the	DET
fsr-3326	753	27	investment	investment	NOUN
fsr-3326	753	28	portfolio	portfolio	NOUN
fsr-3326	753	29	clients	client	NOUN
fsr-3326	753	30	with	with	ADP
fsr-3326	753	31	either	either	DET
fsr-3326	753	32	type	type	NOUN
fsr-3326	753	33	of	of	ADP
fsr-3326	753	34	advisor	advisor	NOUN
fsr-3326	753	35	perform	perform	VERB
fsr-3326	753	36	worse	bad	ADJ
fsr-3326	753	37	than	than	ADP
fsr-3326	753	38	those	those	PRON
fsr-3326	753	39	investing	invest	VERB
fsr-3326	753	40	alone	alone	ADV
fsr-3326	753	41	the	the	DET
fsr-3326	753	42	portfolios	portfolio	NOUN
fsr-3326	753	43	of	of	ADP
fsr-3326	753	44	advised	advise	VERB
fsr-3326	753	45	clients	client	NOUN
fsr-3326	753	46	have	have	VERB
fsr-3326	753	47	more	more	ADJ
fsr-3326	753	48	trades	trade	NOUN
fsr-3326	753	49	than	than	ADP
fsr-3326	753	50	those	those	PRON
fsr-3326	753	51	of	of	ADP
fsr-3326	753	52	clients	client	NOUN
fsr-3326	753	53	investing	invest	VERB
fsr-3326	753	54	alone	alone	ADV
fsr-3326	753	55	pilote	pilote	X
fsr-3326	753	56	et	et	PROPN
fsr-3326	753	57	al	al	PROPN
fsr-3326	753	58	.	.	PROPN
fsr-3326	754	1	56	56	NUM
fsr-3326	754	2	hackethal	hackethal	NOUN
fsr-3326	754	3	et	et	PROPN
fsr-3326	754	4	al	al	PROPN
fsr-3326	754	5	.	.	PROPN
fsr-3326	754	6	(	(	PUNCT
fsr-3326	754	7	2010	2010	NUM
fsr-3326	754	8	)	)	PUNCT
fsr-3326	754	9	financial	financial	ADJ
fsr-3326	754	10	advisor	advisor	NOUN
fsr-3326	754	11	,	,	PUNCT
fsr-3326	754	12	title	title	NOUN
fsr-3326	754	13	not	not	PART
fsr-3326	754	14	specified	specify	VERB
fsr-3326	754	15	archival	archival	NOUN
fsr-3326	754	16	data	datum	NOUN
fsr-3326	754	17	and	and	CCONJ
fsr-3326	754	18	phone	phone	NOUN
fsr-3326	754	19	survey	survey	NOUN
fsr-3326	754	20	advisor	advisor	NOUN
fsr-3326	754	21	’s	’s	PART
fsr-3326	754	22	willingness	willingness	NOUN
fsr-3326	754	23	to	to	PART
fsr-3326	754	24	initiate	initiate	VERB
fsr-3326	754	25	contact	contact	NOUN
fsr-3326	754	26	with	with	ADP
fsr-3326	754	27	clients	client	NOUN
fsr-3326	754	28	transaction	transaction	NOUN
fsr-3326	754	29	volume	volume	NOUN
fsr-3326	754	30	and	and	CCONJ
fsr-3326	754	31	type	type	NOUN
fsr-3326	754	32	of	of	ADP
fsr-3326	754	33	product	product	NOUN
fsr-3326	754	34	acquired	acquire	VERB
fsr-3326	754	35	based	base	VERB
fsr-3326	754	36	on	on	ADP
fsr-3326	754	37	financial	financial	ADJ
fsr-3326	754	38	advice	advice	NOUN
fsr-3326	754	39	,	,	PUNCT
fsr-3326	754	40	clients	client	NOUN
fsr-3326	754	41	trade	trade	VERB
fsr-3326	754	42	more	more	ADV
fsr-3326	754	43	and	and	CCONJ
fsr-3326	754	44	purchase	purchase	VERB
fsr-3326	754	45	more	more	ADJ
fsr-3326	754	46	products	product	NOUN
fsr-3326	754	47	,	,	PUNCT
fsr-3326	754	48	which	which	PRON
fsr-3326	754	49	benefits	benefit	VERB
fsr-3326	754	50	the	the	DET
fsr-3326	754	51	bank	bank	NOUN
fsr-3326	754	52	hoechle	hoechle	NOUN
fsr-3326	754	53	et	et	PROPN
fsr-3326	754	54	al	al	PROPN
fsr-3326	754	55	.	.	PROPN
fsr-3326	755	1	(	(	PUNCT
fsr-3326	755	2	2017	2017	NUM
fsr-3326	755	3	)	)	PUNCT
fsr-3326	755	4	financial	financial	ADJ
fsr-3326	755	5	advisor	advisor	NOUN
fsr-3326	755	6	,	,	PUNCT
fsr-3326	755	7	title	title	NOUN
fsr-3326	755	8	not	not	PART
fsr-3326	755	9	specified	specify	VERB
fsr-3326	755	10	archival	archival	NOUN
fsr-3326	755	11	data	datum	NOUN
fsr-3326	755	12	no	no	DET
fsr-3326	755	13	explicit	explicit	ADJ
fsr-3326	755	14	measure	measure	NOUN
fsr-3326	755	15	comparison	comparison	NOUN
fsr-3326	755	16	of	of	ADP
fsr-3326	755	17	the	the	DET
fsr-3326	755	18	performance	performance	NOUN
fsr-3326	755	19	of	of	ADP
fsr-3326	755	20	advisory	advisory	ADJ
fsr-3326	755	21	and	and	CCONJ
fsr-3326	755	22	nonadvisory	nonadvisory	ADJ
fsr-3326	755	23	trades	trade	NOUN
fsr-3326	755	24	with	with	ADP
fsr-3326	755	25	benchmarks	benchmark	NOUN
fsr-3326	755	26	trades	trade	NOUN
fsr-3326	755	27	following	follow	VERB
fsr-3326	755	28	the	the	DET
fsr-3326	755	29	advisor	advisor	NOUN
fsr-3326	755	30	's	's	PART
fsr-3326	755	31	recommendations	recommendation	NOUN
fsr-3326	755	32	perform	perform	VERB
fsr-3326	755	33	worse	bad	ADJ
fsr-3326	755	34	than	than	ADP
fsr-3326	755	35	independent	independent	ADJ
fsr-3326	755	36	trades	trade	NOUN
fsr-3326	755	37	and	and	CCONJ
fsr-3326	755	38	benchmarks	benchmark	NOUN
fsr-3326	755	39	the	the	DET
fsr-3326	755	40	effect	effect	NOUN
fsr-3326	755	41	is	be	AUX
fsr-3326	755	42	worse	bad	ADJ
fsr-3326	755	43	when	when	SCONJ
fsr-3326	755	44	it	it	PRON
fsr-3326	755	45	is	be	AUX
fsr-3326	755	46	the	the	DET
fsr-3326	755	47	advisor	advisor	NOUN
fsr-3326	755	48	who	who	PRON
fsr-3326	755	49	initiates	initiate	VERB
fsr-3326	755	50	the	the	DET
fsr-3326	755	51	contact	contact	NOUN
fsr-3326	755	52	for	for	SCONJ
fsr-3326	755	53	the	the	DET
fsr-3326	755	54	client	client	NOUN
fsr-3326	755	55	to	to	PART
fsr-3326	755	56	trade	trade	VERB
fsr-3326	755	57	inderst	inderst	PROPN
fsr-3326	755	58	&	&	CCONJ
fsr-3326	755	59	ottaviani	ottaviani	PROPN
fsr-3326	755	60	(	(	PUNCT
fsr-3326	755	61	2012b	2012b	NOUN
fsr-3326	755	62	)	)	PUNCT
fsr-3326	755	63	financial	financial	ADJ
fsr-3326	755	64	advisor	advisor	NOUN
fsr-3326	755	65	,	,	PUNCT
fsr-3326	755	66	title	title	NOUN
fsr-3326	755	67	not	not	PART
fsr-3326	755	68	specified	specify	VERB
fsr-3326	755	69	analytical	analytical	ADJ
fsr-3326	755	70	model	model	NOUN
fsr-3326	755	71	choice	choice	NOUN
fsr-3326	755	72	of	of	ADP
fsr-3326	755	73	self	self	NOUN
fsr-3326	755	74	-	-	PUNCT
fsr-3326	755	75	serving	serve	VERB
fsr-3326	755	76	recommendations	recommendation	NOUN
fsr-3326	755	77	advice	advice	NOUN
fsr-3326	755	78	on	on	ADP
fsr-3326	755	79	which	which	DET
fsr-3326	755	80	option	option	NOUN
fsr-3326	755	81	to	to	PART
fsr-3326	755	82	choose	choose	VERB
fsr-3326	755	83	commission	commission	NOUN
fsr-3326	755	84	-	-	PUNCT
fsr-3326	755	85	based	base	VERB
fsr-3326	755	86	compensation	compensation	NOUN
fsr-3326	755	87	promotes	promote	VERB
fsr-3326	755	88	the	the	DET
fsr-3326	755	89	maximization	maximization	NOUN
fsr-3326	755	90	of	of	ADP
fsr-3326	755	91	the	the	DET
fsr-3326	755	92	advisor	advisor	NOUN
fsr-3326	755	93	’s	’s	PART
fsr-3326	755	94	interests	interest	NOUN
fsr-3326	755	95	with	with	ADP
fsr-3326	755	96	naïve	naïve	ADJ
fsr-3326	755	97	clients	client	NOUN
fsr-3326	755	98	,	,	PUNCT
fsr-3326	755	99	but	but	CCONJ
fsr-3326	755	100	not	not	PART
fsr-3326	755	101	with	with	ADP
fsr-3326	755	102	wary	wary	ADJ
fsr-3326	755	103	clients	client	NOUN
fsr-3326	755	104	jarratt	jarratt	PROPN
fsr-3326	755	105	et	et	PROPN
fsr-3326	755	106	al	al	PROPN
fsr-3326	755	107	.	.	PROPN
fsr-3326	756	1	(	(	PUNCT
fsr-3326	756	2	2007	2007	NUM
fsr-3326	756	3	)	)	PUNCT
fsr-3326	756	4	wealth	wealth	NOUN
fsr-3326	756	5	management	management	NOUN
fsr-3326	756	6	advisor	advisor	PROPN
fsr-3326	756	7	analytical	analytical	ADJ
fsr-3326	756	8	model	model	NOUN
fsr-3326	756	9	choice	choice	NOUN
fsr-3326	756	10	of	of	ADP
fsr-3326	756	11	self	self	NOUN
fsr-3326	756	12	-	-	PUNCT
fsr-3326	756	13	serving	serve	VERB
fsr-3326	756	14	recommendations	recommendation	NOUN
fsr-3326	756	15	investment	investment	NOUN
fsr-3326	756	16	choices	choice	NOUN
fsr-3326	756	17	advisors	advisor	NOUN
fsr-3326	756	18	have	have	VERB
fsr-3326	756	19	a	a	DET
fsr-3326	756	20	vested	vested	ADJ
fsr-3326	756	21	interest	interest	NOUN
fsr-3326	756	22	in	in	ADP
fsr-3326	756	23	finding	find	VERB
fsr-3326	756	24	a	a	DET
fsr-3326	756	25	balance	balance	NOUN
fsr-3326	756	26	between	between	ADP
fsr-3326	756	27	maximizing	maximize	VERB
fsr-3326	756	28	their	their	PRON
fsr-3326	756	29	own	own	ADJ
fsr-3326	756	30	shortterm	shortterm	NOUN
fsr-3326	756	31	interest	interest	NOUN
fsr-3326	756	32	and	and	CCONJ
fsr-3326	756	33	retaining	retain	VERB
fsr-3326	756	34	the	the	DET
fsr-3326	756	35	trust	trust	NOUN
fsr-3326	756	36	of	of	ADP
fsr-3326	756	37	clients	client	NOUN
fsr-3326	756	38	so	so	SCONJ
fsr-3326	756	39	that	that	SCONJ
fsr-3326	756	40	they	they	PRON
fsr-3326	756	41	remain	remain	VERB
fsr-3326	756	42	their	their	PRON
fsr-3326	756	43	clients	client	NOUN
fsr-3326	756	44	kingston	kingston	PROPN
fsr-3326	756	45	&	&	CCONJ
fsr-3326	756	46	weng	weng	PROPN
fsr-3326	756	47	(	(	PUNCT
fsr-3326	756	48	2014	2014	NUM
fsr-3326	756	49	)	)	PUNCT
fsr-3326	756	50	financial	financial	ADJ
fsr-3326	756	51	advisor	advisor	NOUN
fsr-3326	756	52	,	,	PUNCT
fsr-3326	756	53	title	title	NOUN
fsr-3326	756	54	not	not	PART
fsr-3326	756	55	specified	specify	VERB
fsr-3326	756	56	analytical	analytical	ADJ
fsr-3326	756	57	model	model	NOUN
fsr-3326	756	58	choice	choice	NOUN
fsr-3326	756	59	of	of	ADP
fsr-3326	756	60	self	self	NOUN
fsr-3326	756	61	-	-	PUNCT
fsr-3326	756	62	serving	serve	VERB
fsr-3326	756	63	assets	asset	NOUN
fsr-3326	756	64	allocation	allocation	NOUN
fsr-3326	756	65	assets	asset	NOUN
fsr-3326	756	66	allocation	allocation	NOUN
fsr-3326	756	67	advisors	advisor	NOUN
fsr-3326	756	68	favorize	favorize	VERB
fsr-3326	756	69	their	their	PRON
fsr-3326	756	70	own	own	ADJ
fsr-3326	756	71	interest	interest	NOUN
fsr-3326	756	72	by	by	ADP
fsr-3326	756	73	selecting	select	VERB
fsr-3326	756	74	growthmaximizing	growthmaximizing	NOUN
fsr-3326	756	75	assets	asset	NOUN
fsr-3326	756	76	when	when	SCONJ
fsr-3326	756	77	they	they	PRON
fsr-3326	756	78	receive	receive	VERB
fsr-3326	756	79	a	a	DET
fsr-3326	756	80	percentage	percentage	NOUN
fsr-3326	756	81	of	of	ADP
fsr-3326	756	82	assets	asset	NOUN
fsr-3326	756	83	under	under	ADP
fsr-3326	756	84	management	management	NOUN
fsr-3326	756	85	krausz	krausz	PROPN
fsr-3326	756	86	&	&	CCONJ
fsr-3326	756	87	paroush	paroush	PROPN
fsr-3326	756	88	(	(	PUNCT
fsr-3326	756	89	2002	2002	NUM
fsr-3326	756	90	)	)	PUNCT
fsr-3326	756	91	financial	financial	ADJ
fsr-3326	756	92	advisor	advisor	NOUN
fsr-3326	756	93	,	,	PUNCT
fsr-3326	756	94	title	title	NOUN
fsr-3326	756	95	not	not	PART
fsr-3326	756	96	specified	specify	VERB
fsr-3326	756	97	analytical	analytical	ADJ
fsr-3326	756	98	model	model	NOUN
fsr-3326	756	99	choice	choice	NOUN
fsr-3326	756	100	of	of	ADP
fsr-3326	756	101	self	self	NOUN
fsr-3326	756	102	-	-	PUNCT
fsr-3326	756	103	serving	serve	VERB
fsr-3326	756	104	recommendations	recommendation	NOUN
fsr-3326	756	105	advice	advice	NOUN
fsr-3326	756	106	on	on	ADP
fsr-3326	756	107	which	which	DET
fsr-3326	756	108	option	option	NOUN
fsr-3326	756	109	to	to	PART
fsr-3326	756	110	choose	choose	VERB
fsr-3326	756	111	advisor	advisor	NOUN
fsr-3326	756	112	pushes	push	VERB
fsr-3326	756	113	the	the	DET
fsr-3326	756	114	risky	risky	ADJ
fsr-3326	756	115	option	option	NOUN
fsr-3326	756	116	,	,	PUNCT
fsr-3326	756	117	which	which	PRON
fsr-3326	756	118	is	be	AUX
fsr-3326	756	119	associated	associate	VERB
fsr-3326	756	120	with	with	ADP
fsr-3326	756	121	a	a	DET
fsr-3326	756	122	better	well	ADJ
fsr-3326	756	123	return	return	NOUN
fsr-3326	756	124	for	for	ADP
fsr-3326	756	125	himself	himself	PRON
fsr-3326	756	126	,	,	PUNCT
fsr-3326	756	127	even	even	ADV
fsr-3326	756	128	if	if	SCONJ
fsr-3326	756	129	the	the	DET
fsr-3326	756	130	client	client	NOUN
fsr-3326	756	131	is	be	AUX
fsr-3326	756	132	risk	risk	NOUN
fsr-3326	756	133	-	-	PUNCT
fsr-3326	756	134	averse	averse	ADJ
fsr-3326	756	135	lai	lai	NOUN
fsr-3326	756	136	(	(	PUNCT
fsr-3326	756	137	2016	2016	NUM
fsr-3326	756	138	)	)	PUNCT
fsr-3326	756	139	insurance	insurance	NOUN
fsr-3326	756	140	agents	agent	NOUN
fsr-3326	756	141	,	,	PUNCT
fsr-3326	756	142	wealth	wealth	NOUN
fsr-3326	756	143	managers	manager	NOUN
fsr-3326	756	144	,	,	PUNCT
fsr-3326	756	145	and	and	CCONJ
fsr-3326	756	146	independent	independent	ADJ
fsr-3326	756	147	financial	financial	ADJ
fsr-3326	756	148	advisors	advisor	NOUN
fsr-3326	756	149	mixed	mix	VERB
fsr-3326	756	150	methodology	methodology	NOUN
fsr-3326	756	151	presence	presence	NOUN
fsr-3326	756	152	of	of	ADP
fsr-3326	756	153	incentives	incentive	NOUN
fsr-3326	756	154	not	not	PART
fsr-3326	756	155	applicable	applicable	ADJ
fsr-3326	756	156	recommendations	recommendation	NOUN
fsr-3326	756	157	made	make	VERB
fsr-3326	756	158	by	by	ADP
fsr-3326	756	159	financial	financial	ADJ
fsr-3326	756	160	advisors	advisor	NOUN
fsr-3326	756	161	are	be	AUX
fsr-3326	756	162	strongly	strongly	ADV
fsr-3326	756	163	affected	affect	VERB
fsr-3326	756	164	by	by	ADP
fsr-3326	756	165	commissions	commission	NOUN
fsr-3326	756	166	,	,	PUNCT
fsr-3326	756	167	bonuses	bonus	NOUN
fsr-3326	756	168	,	,	PUNCT
fsr-3326	756	169	and	and	CCONJ
fsr-3326	756	170	sales	sale	NOUN
fsr-3326	756	171	quotas	quota	NOUN
fsr-3326	756	172	financial	financial	ADJ
fsr-3326	756	173	services	service	NOUN
fsr-3326	756	174	review	review	PROPN
fsr-3326	756	175	,	,	PUNCT
fsr-3326	756	176	32(3	32(3	NUM
fsr-3326	756	177	)	)	PUNCT
fsr-3326	756	178	57	57	NUM
fsr-3326	756	179	liu	liu	PROPN
fsr-3326	756	180	(	(	PUNCT
fsr-3326	756	181	2005	2005	NUM
fsr-3326	756	182	)	)	PUNCT
fsr-3326	756	183	financial	financial	ADJ
fsr-3326	756	184	advisor	advisor	NOUN
fsr-3326	756	185	,	,	PUNCT
fsr-3326	756	186	title	title	NOUN
fsr-3326	756	187	not	not	PART
fsr-3326	756	188	specified	specify	VERB
fsr-3326	756	189	analytical	analytical	ADJ
fsr-3326	756	190	model	model	NOUN
fsr-3326	756	191	choice	choice	NOUN
fsr-3326	756	192	of	of	ADP
fsr-3326	756	193	self	self	NOUN
fsr-3326	756	194	-	-	PUNCT
fsr-3326	756	195	serving	serve	VERB
fsr-3326	756	196	recommendations	recommendation	NOUN
fsr-3326	756	197	and	and	CCONJ
fsr-3326	756	198	efforts	effort	NOUN
fsr-3326	756	199	clients	client	NOUN
fsr-3326	756	200	’	'	PUNCT
fsr-3326	756	201	return	return	NOUN
fsr-3326	756	202	on	on	ADP
fsr-3326	756	203	investment	investment	NOUN
fsr-3326	756	204	simply	simply	ADV
fsr-3326	756	205	sharing	share	VERB
fsr-3326	756	206	the	the	DET
fsr-3326	756	207	return	return	NOUN
fsr-3326	756	208	on	on	ADP
fsr-3326	756	209	the	the	DET
fsr-3326	756	210	investment	investment	NOUN
fsr-3326	756	211	fails	fail	VERB
fsr-3326	756	212	to	to	PART
fsr-3326	756	213	maximize	maximize	VERB
fsr-3326	756	214	the	the	DET
fsr-3326	756	215	advisor	advisor	NOUN
fsr-3326	756	216	's	's	PART
fsr-3326	756	217	effort	effort	NOUN
fsr-3326	756	218	mietzner	mietzner	NOUN
fsr-3326	756	219	&	&	CCONJ
fsr-3326	756	220	molterer	molterer	PROPN
fsr-3326	756	221	(	(	PUNCT
fsr-3326	756	222	2018	2018	NUM
fsr-3326	756	223	)	)	PUNCT
fsr-3326	756	224	bankers	banker	NOUN
fsr-3326	756	225	,	,	PUNCT
fsr-3326	756	226	title	title	NOUN
fsr-3326	756	227	not	not	PART
fsr-3326	756	228	specified	specify	VERB
fsr-3326	756	229	archival	archival	NOUN
fsr-3326	756	230	data	datum	NOUN
fsr-3326	756	231	choice	choice	NOUN
fsr-3326	756	232	of	of	ADP
fsr-3326	756	233	self	self	NOUN
fsr-3326	756	234	-	-	PUNCT
fsr-3326	756	235	serving	serve	VERB
fsr-3326	756	236	recommendations	recommendation	NOUN
fsr-3326	756	237	investment	investment	NOUN
fsr-3326	756	238	in	in	ADP
fsr-3326	756	239	a	a	DET
fsr-3326	756	240	specific	specific	ADJ
fsr-3326	756	241	type	type	NOUN
fsr-3326	756	242	of	of	ADP
fsr-3326	756	243	asset	asset	NOUN
fsr-3326	756	244	commissions	commission	NOUN
fsr-3326	756	245	create	create	VERB
fsr-3326	756	246	a	a	DET
fsr-3326	756	247	gap	gap	NOUN
fsr-3326	756	248	between	between	ADP
fsr-3326	756	249	the	the	DET
fsr-3326	756	250	recommendations	recommendation	NOUN
fsr-3326	756	251	made	make	VERB
fsr-3326	756	252	by	by	ADP
fsr-3326	756	253	the	the	DET
fsr-3326	756	254	advisor	advisor	NOUN
fsr-3326	756	255	and	and	CCONJ
fsr-3326	756	256	those	those	PRON
fsr-3326	756	257	that	that	PRON
fsr-3326	756	258	would	would	AUX
fsr-3326	756	259	optimize	optimize	VERB
fsr-3326	756	260	the	the	DET
fsr-3326	756	261	client	client	NOUN
fsr-3326	756	262	's	's	PART
fsr-3326	756	263	situation	situation	NOUN
fsr-3326	756	264	mullainathan	mullainathan	VERB
fsr-3326	756	265	et	et	PROPN
fsr-3326	756	266	al	al	PROPN
fsr-3326	756	267	.	.	PROPN
fsr-3326	757	1	(	(	PUNCT
fsr-3326	757	2	2012	2012	NUM
fsr-3326	757	3	)	)	PUNCT
fsr-3326	757	4	financial	financial	ADJ
fsr-3326	757	5	advisor	advisor	NOUN
fsr-3326	757	6	,	,	PUNCT
fsr-3326	757	7	title	title	NOUN
fsr-3326	757	8	not	not	PART
fsr-3326	757	9	specified	specify	VERB
fsr-3326	757	10	field	field	NOUN
fsr-3326	757	11	experiment	experiment	NOUN
fsr-3326	757	12	(	(	PUNCT
fsr-3326	757	13	audit	audit	NOUN
fsr-3326	757	14	study	study	NOUN
fsr-3326	757	15	)	)	PUNCT
fsr-3326	757	16	choice	choice	NOUN
fsr-3326	757	17	of	of	ADP
fsr-3326	757	18	self	self	NOUN
fsr-3326	757	19	-	-	PUNCT
fsr-3326	757	20	serving	serve	VERB
fsr-3326	757	21	modifications	modification	NOUN
fsr-3326	757	22	to	to	ADP
fsr-3326	757	23	the	the	DET
fsr-3326	757	24	initial	initial	ADJ
fsr-3326	757	25	portfolio	portfolio	NOUN
fsr-3326	757	26	variation	variation	NOUN
fsr-3326	757	27	on	on	ADP
fsr-3326	757	28	the	the	DET
fsr-3326	757	29	initial	initial	ADJ
fsr-3326	757	30	portfolio	portfolio	NOUN
fsr-3326	757	31	based	base	VERB
fsr-3326	757	32	on	on	ADP
fsr-3326	757	33	advice	advice	NOUN
fsr-3326	757	34	advisors	advisor	NOUN
fsr-3326	757	35	encourage	encourage	VERB
fsr-3326	757	36	the	the	DET
fsr-3326	757	37	acquisition	acquisition	NOUN
fsr-3326	757	38	of	of	ADP
fsr-3326	757	39	funds	fund	NOUN
fsr-3326	757	40	with	with	ADP
fsr-3326	757	41	high	high	ADJ
fsr-3326	757	42	fees	fee	NOUN
fsr-3326	757	43	and	and	CCONJ
fsr-3326	757	44	the	the	DET
fsr-3326	757	45	multiplication	multiplication	NOUN
fsr-3326	757	46	of	of	ADP
fsr-3326	757	47	transactions	transaction	NOUN
fsr-3326	757	48	advisors	advisor	NOUN
fsr-3326	757	49	are	be	AUX
fsr-3326	757	50	willing	willing	ADJ
fsr-3326	757	51	to	to	PART
fsr-3326	757	52	accommodate	accommodate	VERB
fsr-3326	757	53	client	client	NOUN
fsr-3326	757	54	wishes	wish	VERB
fsr-3326	757	55	when	when	SCONJ
fsr-3326	757	56	they	they	PRON
fsr-3326	757	57	coincide	coincide	VERB
fsr-3326	757	58	with	with	ADP
fsr-3326	757	59	their	their	PRON
fsr-3326	757	60	own	own	ADJ
fsr-3326	757	61	interests	interest	NOUN
fsr-3326	757	62	,	,	PUNCT
fsr-3326	757	63	but	but	CCONJ
fsr-3326	757	64	try	try	VERB
fsr-3326	757	65	to	to	PART
fsr-3326	757	66	reverse	reverse	VERB
fsr-3326	757	67	the	the	DET
fsr-3326	757	68	situation	situation	NOUN
fsr-3326	757	69	when	when	SCONJ
fsr-3326	757	70	the	the	DET
fsr-3326	757	71	client	client	NOUN
fsr-3326	757	72	's	's	PART
fsr-3326	757	73	vision	vision	NOUN
fsr-3326	757	74	does	do	AUX
fsr-3326	757	75	not	not	PART
fsr-3326	757	76	favor	favor	VERB
fsr-3326	757	77	their	their	PRON
fsr-3326	757	78	own	own	ADJ
fsr-3326	757	79	interests	interest	NOUN
fsr-3326	757	80	oehler	oehler	NOUN
fsr-3326	757	81	&	&	CCONJ
fsr-3326	757	82	kohlert	kohlert	PROPN
fsr-3326	757	83	(	(	PUNCT
fsr-3326	757	84	2009	2009	NUM
fsr-3326	757	85	)	)	PUNCT
fsr-3326	757	86	financial	financial	ADJ
fsr-3326	757	87	advisor	advisor	NOUN
fsr-3326	757	88	working	work	VERB
fsr-3326	757	89	in	in	ADP
fsr-3326	757	90	a	a	DET
fsr-3326	757	91	bank	bank	NOUN
fsr-3326	757	92	,	,	PUNCT
fsr-3326	757	93	title	title	NOUN
fsr-3326	757	94	not	not	PART
fsr-3326	757	95	specified	specify	VERB
fsr-3326	757	96	field	field	NOUN
fsr-3326	757	97	experiment	experiment	NOUN
fsr-3326	757	98	(	(	PUNCT
fsr-3326	757	99	audit	audit	NOUN
fsr-3326	757	100	study	study	NOUN
fsr-3326	757	101	)	)	PUNCT
fsr-3326	757	102	choice	choice	NOUN
fsr-3326	757	103	of	of	ADP
fsr-3326	757	104	self	self	NOUN
fsr-3326	757	105	-	-	PUNCT
fsr-3326	757	106	serving	serve	VERB
fsr-3326	757	107	recommendations	recommendation	NOUN
fsr-3326	757	108	variation	variation	NOUN
fsr-3326	757	109	of	of	ADP
fsr-3326	757	110	advisors	advisor	NOUN
fsr-3326	757	111	’	'	PUNCT
fsr-3326	757	112	recommendations	recommendation	NOUN
fsr-3326	757	113	advice	advice	NOUN
fsr-3326	757	114	provided	provide	VERB
fsr-3326	757	115	by	by	ADP
fsr-3326	757	116	the	the	DET
fsr-3326	757	117	advisor	advisor	NOUN
fsr-3326	757	118	is	be	AUX
fsr-3326	757	119	of	of	ADP
fsr-3326	757	120	higher	high	ADJ
fsr-3326	757	121	quality	quality	NOUN
fsr-3326	757	122	when	when	SCONJ
fsr-3326	757	123	the	the	DET
fsr-3326	757	124	client	client	NOUN
fsr-3326	757	125	is	be	AUX
fsr-3326	757	126	more	more	ADV
fsr-3326	757	127	financially	financially	ADV
fsr-3326	757	128	literate	literate	ADJ
fsr-3326	757	129	the	the	DET
fsr-3326	757	130	information	information	NOUN
fsr-3326	757	131	provided	provide	VERB
fsr-3326	757	132	by	by	ADP
fsr-3326	757	133	the	the	DET
fsr-3326	757	134	advisor	advisor	NOUN
fsr-3326	757	135	to	to	ADP
fsr-3326	757	136	the	the	DET
fsr-3326	757	137	client	client	NOUN
fsr-3326	757	138	is	be	AUX
fsr-3326	757	139	generally	generally	ADV
fsr-3326	757	140	of	of	ADP
fsr-3326	757	141	low	low	ADJ
fsr-3326	757	142	quality	quality	PROPN
fsr-3326	757	143	stoughton	stoughton	PROPN
fsr-3326	757	144	et	et	PROPN
fsr-3326	757	145	al	al	PROPN
fsr-3326	757	146	.	.	PROPN
fsr-3326	758	1	(	(	PUNCT
fsr-3326	758	2	2011	2011	NUM
fsr-3326	758	3	)	)	PUNCT
fsr-3326	758	4	financial	financial	ADJ
fsr-3326	758	5	advisor	advisor	NOUN
fsr-3326	758	6	,	,	PUNCT
fsr-3326	758	7	title	title	NOUN
fsr-3326	758	8	not	not	PART
fsr-3326	758	9	specified	specify	VERB
fsr-3326	758	10	analytical	analytical	ADJ
fsr-3326	758	11	model	model	NOUN
fsr-3326	758	12	presence	presence	NOUN
fsr-3326	758	13	of	of	ADP
fsr-3326	758	14	kickbacks	kickback	NOUN
fsr-3326	758	15	clients	client	NOUN
fsr-3326	758	16	’	’	PART
fsr-3326	758	17	wealth	wealth	NOUN
fsr-3326	758	18	kickbacks	kickback	NOUN
fsr-3326	758	19	offered	offer	VERB
fsr-3326	758	20	by	by	ADP
fsr-3326	758	21	portfolio	portfolio	NOUN
fsr-3326	758	22	managers	manager	NOUN
fsr-3326	758	23	to	to	ADP
fsr-3326	758	24	financial	financial	ADJ
fsr-3326	758	25	advisors	advisor	NOUN
fsr-3326	758	26	negatively	negatively	ADV
fsr-3326	758	27	affect	affect	VERB
fsr-3326	758	28	clients	client	NOUN
fsr-3326	758	29	’	’	PART
fsr-3326	758	30	wealth	wealth	NOUN
fsr-3326	758	31	van	van	PROPN
fsr-3326	758	32	dijk	dijk	PROPN
fsr-3326	758	33	et	et	PROPN
fsr-3326	758	34	al	al	PROPN
fsr-3326	758	35	.	.	PROPN
fsr-3326	759	1	(	(	PUNCT
fsr-3326	759	2	2008	2008	NUM
fsr-3326	759	3	)	)	PUNCT
fsr-3326	759	4	insurance	insurance	NOUN
fsr-3326	759	5	brokers	broker	NOUN
fsr-3326	759	6	archival	archival	VERB
fsr-3326	759	7	data	datum	NOUN
fsr-3326	759	8	and	and	CCONJ
fsr-3326	759	9	online	online	ADJ
fsr-3326	759	10	survey	survey	NOUN
fsr-3326	759	11	choice	choice	NOUN
fsr-3326	759	12	of	of	ADP
fsr-3326	759	13	self	self	NOUN
fsr-3326	759	14	-	-	PUNCT
fsr-3326	759	15	serving	serve	VERB
fsr-3326	759	16	recommendations	recommendation	NOUN
fsr-3326	759	17	the	the	DET
fsr-3326	759	18	return	return	NOUN
fsr-3326	759	19	on	on	ADP
fsr-3326	759	20	investment	investment	NOUN
fsr-3326	759	21	of	of	ADP
fsr-3326	759	22	the	the	DET
fsr-3326	759	23	life	life	NOUN
fsr-3326	759	24	insurance	insurance	NOUN
fsr-3326	759	25	policy	policy	NOUN
fsr-3326	759	26	insurance	insurance	NOUN
fsr-3326	759	27	brokers	broker	NOUN
fsr-3326	759	28	do	do	AUX
fsr-3326	759	29	not	not	PART
fsr-3326	759	30	generally	generally	ADV
fsr-3326	759	31	recommend	recommend	VERB
fsr-3326	759	32	the	the	DET
fsr-3326	759	33	best	good	ADJ
fsr-3326	759	34	product	product	NOUN
fsr-3326	759	35	to	to	ADP
fsr-3326	759	36	their	their	PRON
fsr-3326	759	37	clients	client	NOUN
fsr-3326	759	38	trust	trust	NOUN
fsr-3326	759	39	theory	theory	NOUN
fsr-3326	759	40	pilote	pilote	PROPN
fsr-3326	759	41	et	et	PROPN
fsr-3326	759	42	al	al	PROPN
fsr-3326	759	43	.	.	PROPN
fsr-3326	760	1	58	58	NUM
fsr-3326	760	2	barnett	barnett	PROPN
fsr-3326	760	3	white	white	PROPN
fsr-3326	760	4	(	(	PUNCT
fsr-3326	760	5	2005	2005	NUM
fsr-3326	760	6	)	)	PUNCT
fsr-3326	760	7	participants	participant	NOUN
fsr-3326	760	8	acting	act	VERB
fsr-3326	760	9	as	as	ADP
fsr-3326	760	10	financial	financial	ADJ
fsr-3326	760	11	advisors	advisor	NOUN
fsr-3326	760	12	lab	lab	NOUN
fsr-3326	760	13	experiment	experiment	NOUN
fsr-3326	760	14	a	a	DET
fsr-3326	760	15	7	7	NUM
fsr-3326	760	16	-	-	PUNCT
fsr-3326	760	17	point	point	NOUN
fsr-3326	760	18	likert	likert	ADJ
fsr-3326	760	19	scale	scale	NOUN
fsr-3326	760	20	question	question	NOUN
fsr-3326	760	21	the	the	DET
fsr-3326	760	22	decision	decision	NOUN
fsr-3326	760	23	to	to	PART
fsr-3326	760	24	follow	follow	VERB
fsr-3326	760	25	the	the	DET
fsr-3326	760	26	recommendation	recommendation	NOUN
fsr-3326	760	27	clients	client	NOUN
fsr-3326	760	28	’	’	PART
fsr-3326	760	29	decision	decision	NOUN
fsr-3326	760	30	to	to	PART
fsr-3326	760	31	follow	follow	VERB
fsr-3326	760	32	the	the	DET
fsr-3326	760	33	recommendation	recommendation	NOUN
fsr-3326	760	34	is	be	AUX
fsr-3326	760	35	based	base	VERB
fsr-3326	760	36	on	on	ADP
fsr-3326	760	37	the	the	DET
fsr-3326	760	38	advisor	advisor	NOUN
fsr-3326	760	39	’s	’s	PART
fsr-3326	760	40	ability	ability	NOUN
fsr-3326	760	41	in	in	ADP
fsr-3326	760	42	risky	risky	ADJ
fsr-3326	760	43	and	and	CCONJ
fsr-3326	760	44	non	non	ADJ
fsr-3326	760	45	-	-	ADJ
fsr-3326	760	46	emotional	emotional	ADJ
fsr-3326	760	47	situations	situation	NOUN
fsr-3326	760	48	and	and	CCONJ
fsr-3326	760	49	on	on	ADP
fsr-3326	760	50	the	the	DET
fsr-3326	760	51	advisor	advisor	NOUN
fsr-3326	760	52	’s	’s	PART
fsr-3326	760	53	benevolence	benevolence	NOUN
fsr-3326	760	54	in	in	ADP
fsr-3326	760	55	risky	risky	ADJ
fsr-3326	760	56	and	and	CCONJ
fsr-3326	760	57	emotional	emotional	ADJ
fsr-3326	760	58	situations	situation	NOUN
fsr-3326	760	59	bhattacharya	bhattacharya	VERB
fsr-3326	760	60	et	et	PROPN
fsr-3326	760	61	al	al	PROPN
fsr-3326	760	62	.	.	PROPN
fsr-3326	761	1	(	(	PUNCT
fsr-3326	761	2	2012	2012	NUM
fsr-3326	761	3	)	)	PUNCT
fsr-3326	761	4	softwaregenerated	softwaregenerate	VERB
fsr-3326	761	5	advice	advice	NOUN
fsr-3326	761	6	archival	archival	NOUN
fsr-3326	761	7	data	datum	NOUN
fsr-3326	761	8	with	with	ADP
fsr-3326	761	9	field	field	NOUN
fsr-3326	761	10	experiment	experiment	NOUN
fsr-3326	761	11	no	no	DET
fsr-3326	761	12	explicit	explicit	ADJ
fsr-3326	761	13	measure	measure	NOUN
fsr-3326	761	14	the	the	DET
fsr-3326	761	15	decision	decision	NOUN
fsr-3326	761	16	to	to	PART
fsr-3326	761	17	implement	implement	VERB
fsr-3326	761	18	the	the	DET
fsr-3326	761	19	recommendation	recommendation	NOUN
fsr-3326	761	20	very	very	ADV
fsr-3326	761	21	few	few	ADJ
fsr-3326	761	22	clients	client	NOUN
fsr-3326	761	23	(	(	PUNCT
fsr-3326	761	24	about	about	ADV
fsr-3326	761	25	5	5	NUM
fsr-3326	761	26	%	%	NOUN
fsr-3326	761	27	)	)	PUNCT
fsr-3326	761	28	implement	implement	VERB
fsr-3326	761	29	unsolicited	unsolicited	ADJ
fsr-3326	761	30	recommendations	recommendation	NOUN
fsr-3326	761	31	the	the	DET
fsr-3326	761	32	presence	presence	NOUN
fsr-3326	761	33	of	of	ADP
fsr-3326	761	34	unbiased	unbiased	ADJ
fsr-3326	761	35	advice	advice	NOUN
fsr-3326	761	36	is	be	AUX
fsr-3326	761	37	not	not	PART
fsr-3326	761	38	enough	enough	ADJ
fsr-3326	761	39	to	to	PART
fsr-3326	761	40	ensure	ensure	VERB
fsr-3326	761	41	that	that	SCONJ
fsr-3326	761	42	clients	client	NOUN
fsr-3326	761	43	follow	follow	VERB
fsr-3326	761	44	it	it	PRON
fsr-3326	761	45	burke	burke	PROPN
fsr-3326	761	46	&	&	CCONJ
fsr-3326	761	47	hung	hung	PROPN
fsr-3326	761	48	(	(	PUNCT
fsr-3326	761	49	2021	2021	NUM
fsr-3326	761	50	)	)	PUNCT
fsr-3326	761	51	financial	financial	ADJ
fsr-3326	761	52	advisors	advisor	NOUN
fsr-3326	761	53	,	,	PUNCT
fsr-3326	761	54	different	different	ADJ
fsr-3326	761	55	denominations	denomination	NOUN
fsr-3326	761	56	archival	archival	VERB
fsr-3326	761	57	data	data	VERB
fsr-3326	761	58	a	a	DET
fsr-3326	761	59	combination	combination	NOUN
fsr-3326	761	60	of	of	ADP
fsr-3326	761	61	multiple	multiple	ADJ
fsr-3326	761	62	questions	question	NOUN
fsr-3326	761	63	using	use	VERB
fsr-3326	761	64	likert	likert	ADJ
fsr-3326	761	65	scale	scale	NOUN
fsr-3326	761	66	the	the	DET
fsr-3326	761	67	underdiversification	underdiversification	NOUN
fsr-3326	761	68	of	of	ADP
fsr-3326	761	69	assets	asset	NOUN
fsr-3326	761	70	and	and	CCONJ
fsr-3326	761	71	the	the	DET
fsr-3326	761	72	holding	holding	NOUN
fsr-3326	761	73	of	of	ADP
fsr-3326	761	74	risky	risky	ADJ
fsr-3326	761	75	assets	asset	NOUN
fsr-3326	761	76	individuals	individual	NOUN
fsr-3326	761	77	who	who	PRON
fsr-3326	761	78	trust	trust	VERB
fsr-3326	761	79	are	be	AUX
fsr-3326	761	80	more	more	ADV
fsr-3326	761	81	likely	likely	ADJ
fsr-3326	761	82	to	to	PART
fsr-3326	761	83	get	get	VERB
fsr-3326	761	84	financial	financial	ADJ
fsr-3326	761	85	advice	advice	NOUN
fsr-3326	761	86	individuals	individual	NOUN
fsr-3326	761	87	who	who	PRON
fsr-3326	761	88	trust	trust	VERB
fsr-3326	761	89	hold	hold	VERB
fsr-3326	761	90	more	more	ADV
fsr-3326	761	91	publicly	publicly	ADV
fsr-3326	761	92	traded	trade	VERB
fsr-3326	761	93	stocks	stock	NOUN
fsr-3326	761	94	unsolicited	unsolicite	VERB
fsr-3326	761	95	financial	financial	ADJ
fsr-3326	761	96	advice	advice	NOUN
fsr-3326	761	97	has	have	VERB
fsr-3326	761	98	no	no	DET
fsr-3326	761	99	real	real	ADJ
fsr-3326	761	100	impact	impact	NOUN
fsr-3326	761	101	on	on	ADP
fsr-3326	761	102	clients	client	NOUN
fsr-3326	761	103	’	’	PART
fsr-3326	761	104	behavior	behavior	NOUN
fsr-3326	761	105	calcagno	calcagno	NOUN
fsr-3326	761	106	et	et	PROPN
fsr-3326	761	107	al	al	PROPN
fsr-3326	761	108	.	.	PROPN
fsr-3326	762	1	(	(	PUNCT
fsr-3326	762	2	2017	2017	NUM
fsr-3326	762	3	)	)	PUNCT
fsr-3326	762	4	financial	financial	ADJ
fsr-3326	762	5	advisor	advisor	NOUN
fsr-3326	762	6	,	,	PUNCT
fsr-3326	762	7	title	title	NOUN
fsr-3326	762	8	not	not	PART
fsr-3326	762	9	specified	specify	VERB
fsr-3326	762	10	archival	archival	NOUN
fsr-3326	762	11	data	datum	NOUN
fsr-3326	762	12	a	a	DET
fsr-3326	762	13	5	5	NUM
fsr-3326	762	14	-	-	PUNCT
fsr-3326	762	15	point	point	NOUN
fsr-3326	762	16	likert	likert	ADJ
fsr-3326	762	17	scale	scale	NOUN
fsr-3326	762	18	question	question	NOUN
fsr-3326	762	19	the	the	DET
fsr-3326	762	20	decision	decision	NOUN
fsr-3326	762	21	to	to	PART
fsr-3326	762	22	delegate	delegate	VERB
fsr-3326	762	23	decision	decision	NOUN
fsr-3326	762	24	-	-	PUNCT
fsr-3326	762	25	making	making	NOUN
fsr-3326	762	26	to	to	ADP
fsr-3326	762	27	the	the	DET
fsr-3326	762	28	advisor	advisor	NOUN
fsr-3326	762	29	clients	client	NOUN
fsr-3326	762	30	who	who	PRON
fsr-3326	762	31	trust	trust	VERB
fsr-3326	762	32	more	more	ADV
fsr-3326	762	33	their	their	PRON
fsr-3326	762	34	advisor	advisor	NOUN
fsr-3326	762	35	are	be	AUX
fsr-3326	762	36	more	more	ADV
fsr-3326	762	37	likely	likely	ADJ
fsr-3326	762	38	to	to	PART
fsr-3326	762	39	completely	completely	ADV
fsr-3326	762	40	delegate	delegate	VERB
fsr-3326	762	41	financial	financial	ADJ
fsr-3326	762	42	decision	decision	NOUN
fsr-3326	762	43	-	-	PUNCT
fsr-3326	762	44	making	make	VERB
fsr-3326	762	45	deng	deng	PROPN
fsr-3326	762	46	&	&	CCONJ
fsr-3326	762	47	liu	liu	PROPN
fsr-3326	762	48	(	(	PUNCT
fsr-3326	762	49	2017	2017	NUM
fsr-3326	762	50	)	)	PUNCT
fsr-3326	762	51	financial	financial	ADJ
fsr-3326	762	52	advisor	advisor	NOUN
fsr-3326	762	53	in	in	ADP
fsr-3326	762	54	a	a	DET
fsr-3326	762	55	broad	broad	ADJ
fsr-3326	762	56	sense	sense	NOUN
fsr-3326	762	57	analytical	analytical	ADJ
fsr-3326	762	58	model	model	NOUN
fsr-3326	762	59	represented	represent	VERB
fsr-3326	762	60	by	by	ADP
fsr-3326	762	61	a	a	DET
fsr-3326	762	62	variable	variable	NOUN
fsr-3326	762	63	in	in	ADP
fsr-3326	762	64	the	the	DET
fsr-3326	762	65	model	model	NOUN
fsr-3326	762	66	the	the	DET
fsr-3326	762	67	portfolio	portfolio	NOUN
fsr-3326	762	68	at	at	ADP
fsr-3326	762	69	the	the	DET
fsr-3326	762	70	end	end	NOUN
fsr-3326	762	71	of	of	ADP
fsr-3326	762	72	the	the	DET
fsr-3326	762	73	period	period	NOUN
fsr-3326	762	74	the	the	DET
fsr-3326	762	75	more	more	ADJ
fsr-3326	762	76	trust	trust	NOUN
fsr-3326	762	77	the	the	DET
fsr-3326	762	78	client	client	NOUN
fsr-3326	762	79	has	have	VERB
fsr-3326	762	80	in	in	ADP
fsr-3326	762	81	the	the	DET
fsr-3326	762	82	advisor	advisor	NOUN
fsr-3326	762	83	,	,	PUNCT
fsr-3326	762	84	the	the	PRON
fsr-3326	762	85	more	more	ADV
fsr-3326	762	86	inclined	inclined	ADJ
fsr-3326	762	87	the	the	DET
fsr-3326	762	88	client	client	NOUN
fsr-3326	762	89	is	be	AUX
fsr-3326	762	90	to	to	PART
fsr-3326	762	91	invest	invest	VERB
fsr-3326	762	92	in	in	ADP
fsr-3326	762	93	the	the	DET
fsr-3326	762	94	risky	risky	ADJ
fsr-3326	762	95	asset	asset	NOUN
fsr-3326	762	96	engelmann	engelmann	PROPN
fsr-3326	762	97	et	et	PROPN
fsr-3326	762	98	al	al	PROPN
fsr-3326	762	99	.	.	PROPN
fsr-3326	763	1	(	(	PUNCT
fsr-3326	763	2	2009	2009	NUM
fsr-3326	763	3	)	)	PUNCT
fsr-3326	763	4	the	the	DET
fsr-3326	763	5	expert	expert	NOUN
fsr-3326	763	6	providing	provide	VERB
fsr-3326	763	7	advice	advice	NOUN
fsr-3326	763	8	is	be	AUX
fsr-3326	763	9	presented	present	VERB
fsr-3326	763	10	as	as	ADP
fsr-3326	763	11	a	a	DET
fsr-3326	763	12	professor	professor	NOUN
fsr-3326	763	13	of	of	ADP
fsr-3326	763	14	economics	economic	NOUN
fsr-3326	763	15	lab	lab	NOUN
fsr-3326	763	16	experiment	experiment	NOUN
fsr-3326	763	17	neural	neural	ADJ
fsr-3326	763	18	activity	activity	NOUN
fsr-3326	763	19	visible	visible	ADJ
fsr-3326	763	20	by	by	ADP
fsr-3326	763	21	fmri	fmri	NOUN
fsr-3326	763	22	during	during	ADP
fsr-3326	763	23	the	the	DET
fsr-3326	763	24	decision	decision	NOUN
fsr-3326	763	25	-	-	PUNCT
fsr-3326	763	26	making	make	VERB
fsr-3326	763	27	the	the	DET
fsr-3326	763	28	decision	decision	NOUN
fsr-3326	763	29	to	to	PART
fsr-3326	763	30	follow	follow	VERB
fsr-3326	763	31	the	the	DET
fsr-3326	763	32	expert	expert	NOUN
fsr-3326	763	33	’s	’s	PART
fsr-3326	763	34	recommendation	recommendation	NOUN
fsr-3326	763	35	access	access	NOUN
fsr-3326	763	36	to	to	ADP
fsr-3326	763	37	expert	expert	ADJ
fsr-3326	763	38	advice	advice	NOUN
fsr-3326	763	39	leads	lead	VERB
fsr-3326	763	40	participants	participant	NOUN
fsr-3326	763	41	to	to	PART
fsr-3326	763	42	rely	rely	VERB
fsr-3326	763	43	on	on	ADP
fsr-3326	763	44	the	the	DET
fsr-3326	763	45	expert	expert	NOUN
fsr-3326	763	46	's	's	PART
fsr-3326	763	47	opinion	opinion	NOUN
fsr-3326	763	48	and	and	CCONJ
fsr-3326	763	49	to	to	PART
fsr-3326	763	50	offload	offload	VERB
fsr-3326	763	51	the	the	DET
fsr-3326	763	52	mental	mental	ADJ
fsr-3326	763	53	burden	burden	NOUN
fsr-3326	763	54	of	of	ADP
fsr-3326	763	55	decisionmaking	decisionmake	VERB
fsr-3326	763	56	eriksson	eriksson	PROPN
fsr-3326	763	57	&	&	CCONJ
fsr-3326	763	58	hermansson	hermansson	PROPN
fsr-3326	763	59	(	(	PUNCT
fsr-3326	763	60	2019	2019	NUM
fsr-3326	763	61	)	)	PUNCT
fsr-3326	763	62	financial	financial	ADJ
fsr-3326	763	63	advisor	advisor	NOUN
fsr-3326	763	64	working	work	VERB
fsr-3326	763	65	in	in	ADP
fsr-3326	763	66	a	a	DET
fsr-3326	763	67	bank	bank	NOUN
fsr-3326	763	68	,	,	PUNCT
fsr-3326	763	69	title	title	NOUN
fsr-3326	763	70	not	not	PART
fsr-3326	763	71	specified	specify	VERB
fsr-3326	763	72	online	online	ADJ
fsr-3326	763	73	survey	survey	NOUN
fsr-3326	763	74	a	a	DET
fsr-3326	763	75	combination	combination	NOUN
fsr-3326	763	76	of	of	ADP
fsr-3326	763	77	two	two	NUM
fsr-3326	763	78	questions	question	NOUN
fsr-3326	763	79	financial	financial	ADJ
fsr-3326	763	80	assets	asset	NOUN
fsr-3326	763	81	purchased	purchase	VERB
fsr-3326	763	82	from	from	ADP
fsr-3326	763	83	the	the	DET
fsr-3326	763	84	bank	bank	NOUN
fsr-3326	763	85	and	and	CCONJ
fsr-3326	763	86	monthly	monthly	ADJ
fsr-3326	763	87	flow	flow	NOUN
fsr-3326	763	88	the	the	DET
fsr-3326	763	89	length	length	NOUN
fsr-3326	763	90	of	of	ADP
fsr-3326	763	91	the	the	DET
fsr-3326	763	92	relationship	relationship	NOUN
fsr-3326	763	93	with	with	ADP
fsr-3326	763	94	the	the	DET
fsr-3326	763	95	advisor	advisor	NOUN
fsr-3326	763	96	,	,	PUNCT
fsr-3326	763	97	the	the	DET
fsr-3326	763	98	environment	environment	NOUN
fsr-3326	763	99	and	and	CCONJ
fsr-3326	763	100	the	the	DET
fsr-3326	763	101	trust	trust	PROPN
fsr-3326	763	102	financial	financial	PROPN
fsr-3326	763	103	services	service	NOUN
fsr-3326	763	104	review	review	PROPN
fsr-3326	763	105	,	,	PUNCT
fsr-3326	763	106	32(3	32(3	NUM
fsr-3326	763	107	)	)	PUNCT
fsr-3326	763	108	59	59	NUM
fsr-3326	763	109	invested	invest	VERB
fsr-3326	763	110	in	in	ADP
fsr-3326	763	111	mutual	mutual	ADJ
fsr-3326	763	112	funds	fund	NOUN
fsr-3326	763	113	placed	place	VERB
fsr-3326	763	114	in	in	ADP
fsr-3326	763	115	the	the	DET
fsr-3326	763	116	advisor	advisor	NOUN
fsr-3326	763	117	positively	positively	ADV
fsr-3326	763	118	affect	affect	VERB
fsr-3326	763	119	the	the	DET
fsr-3326	763	120	total	total	ADJ
fsr-3326	763	121	assets	asset	NOUN
fsr-3326	763	122	held	hold	VERB
fsr-3326	763	123	by	by	ADP
fsr-3326	763	124	the	the	DET
fsr-3326	763	125	client	client	NOUN
fsr-3326	763	126	with	with	ADP
fsr-3326	763	127	the	the	DET
fsr-3326	763	128	bank	bank	NOUN
fsr-3326	763	129	as	as	ADV
fsr-3326	763	130	well	well	ADV
fsr-3326	763	131	as	as	ADP
fsr-3326	763	132	the	the	DET
fsr-3326	763	133	amounts	amount	NOUN
fsr-3326	763	134	invested	invest	VERB
fsr-3326	763	135	monthly	monthly	ADV
fsr-3326	763	136	in	in	ADP
fsr-3326	763	137	mutual	mutual	ADJ
fsr-3326	763	138	funds	fund	NOUN
fsr-3326	763	139	gennaioli	gennaioli	ADV
fsr-3326	763	140	et	et	PROPN
fsr-3326	763	141	al	al	PROPN
fsr-3326	763	142	.	.	PROPN
fsr-3326	764	1	(	(	PUNCT
fsr-3326	764	2	2015	2015	NUM
fsr-3326	764	3	)	)	PUNCT
fsr-3326	764	4	financial	financial	ADJ
fsr-3326	764	5	advisor	advisor	NOUN
fsr-3326	764	6	in	in	ADP
fsr-3326	764	7	a	a	DET
fsr-3326	764	8	broad	broad	ADJ
fsr-3326	764	9	sense	sense	NOUN
fsr-3326	764	10	analytical	analytical	ADJ
fsr-3326	764	11	model	model	NOUN
fsr-3326	764	12	represented	represent	VERB
fsr-3326	764	13	by	by	ADP
fsr-3326	764	14	a	a	DET
fsr-3326	764	15	variable	variable	NOUN
fsr-3326	764	16	in	in	ADP
fsr-3326	764	17	the	the	DET
fsr-3326	764	18	model	model	NOUN
fsr-3326	764	19	the	the	DET
fsr-3326	764	20	portfolio	portfolio	NOUN
fsr-3326	764	21	at	at	ADP
fsr-3326	764	22	the	the	DET
fsr-3326	764	23	end	end	NOUN
fsr-3326	764	24	of	of	ADP
fsr-3326	764	25	the	the	DET
fsr-3326	764	26	period	period	NOUN
fsr-3326	764	27	the	the	DET
fsr-3326	764	28	more	more	ADJ
fsr-3326	764	29	trust	trust	NOUN
fsr-3326	764	30	the	the	DET
fsr-3326	764	31	client	client	NOUN
fsr-3326	764	32	has	have	VERB
fsr-3326	764	33	in	in	ADP
fsr-3326	764	34	the	the	DET
fsr-3326	764	35	advisor	advisor	NOUN
fsr-3326	764	36	,	,	PUNCT
fsr-3326	764	37	the	the	PRON
fsr-3326	764	38	more	more	ADV
fsr-3326	764	39	likely	likely	ADJ
fsr-3326	764	40	they	they	PRON
fsr-3326	764	41	are	be	AUX
fsr-3326	764	42	to	to	PART
fsr-3326	764	43	completely	completely	ADV
fsr-3326	764	44	delegate	delegate	VERB
fsr-3326	764	45	the	the	DET
fsr-3326	764	46	process	process	NOUN
fsr-3326	764	47	georgarakos	georgarakos	NOUN
fsr-3326	764	48	&	&	CCONJ
fsr-3326	764	49	inderst	inderst	PROPN
fsr-3326	764	50	(	(	PUNCT
fsr-3326	764	51	2014	2014	NUM
fsr-3326	764	52	)	)	PUNCT
fsr-3326	764	53	financial	financial	ADJ
fsr-3326	764	54	advisor	advisor	NOUN
fsr-3326	764	55	,	,	PUNCT
fsr-3326	764	56	title	title	NOUN
fsr-3326	764	57	not	not	PART
fsr-3326	764	58	specified	specify	VERB
fsr-3326	764	59	archival	archival	NOUN
fsr-3326	764	60	data	datum	NOUN
fsr-3326	764	61	and	and	CCONJ
fsr-3326	764	62	analytical	analytical	ADJ
fsr-3326	764	63	model	model	NOUN
fsr-3326	764	64	a	a	DET
fsr-3326	764	65	dichotomous	dichotomous	ADJ
fsr-3326	764	66	question	question	NOUN
fsr-3326	764	67	the	the	DET
fsr-3326	764	68	decision	decision	NOUN
fsr-3326	764	69	to	to	PART
fsr-3326	764	70	invest	invest	VERB
fsr-3326	764	71	in	in	ADP
fsr-3326	764	72	the	the	DET
fsr-3326	764	73	stock	stock	NOUN
fsr-3326	764	74	market	market	NOUN
fsr-3326	764	75	the	the	DET
fsr-3326	764	76	more	more	ADJ
fsr-3326	764	77	clients	client	NOUN
fsr-3326	764	78	trust	trust	VERB
fsr-3326	764	79	their	their	PRON
fsr-3326	764	80	advisor	advisor	NOUN
fsr-3326	764	81	,	,	PUNCT
fsr-3326	764	82	the	the	PRON
fsr-3326	764	83	more	more	ADV
fsr-3326	764	84	likely	likely	ADJ
fsr-3326	764	85	they	they	PRON
fsr-3326	764	86	are	be	AUX
fsr-3326	764	87	to	to	PART
fsr-3326	764	88	follow	follow	VERB
fsr-3326	764	89	their	their	PRON
fsr-3326	764	90	advisor	advisor	NOUN
fsr-3326	764	91	's	's	PART
fsr-3326	764	92	recommendations	recommendation	NOUN
fsr-3326	764	93	for	for	ADP
fsr-3326	764	94	participating	participate	VERB
fsr-3326	764	95	in	in	ADP
fsr-3326	764	96	the	the	DET
fsr-3326	764	97	stock	stock	NOUN
fsr-3326	764	98	market	market	NOUN
fsr-3326	764	99	gurun	gurun	NOUN
fsr-3326	764	100	et	et	PROPN
fsr-3326	764	101	al	al	PROPN
fsr-3326	764	102	.	.	PROPN
fsr-3326	765	1	(	(	PUNCT
fsr-3326	765	2	2018	2018	NUM
fsr-3326	765	3	)	)	PUNCT
fsr-3326	765	4	registered	register	VERB
fsr-3326	765	5	investment	investment	NOUN
fsr-3326	765	6	advisor	advisor	NOUN
fsr-3326	765	7	archival	archival	PROPN
fsr-3326	765	8	data	data	VERB
fsr-3326	765	9	comparison	comparison	NOUN
fsr-3326	765	10	of	of	ADP
fsr-3326	765	11	the	the	DET
fsr-3326	765	12	decision	decision	NOUN
fsr-3326	765	13	to	to	PART
fsr-3326	765	14	move	move	VERB
fsr-3326	765	15	their	their	PRON
fsr-3326	765	16	assets	asset	NOUN
fsr-3326	765	17	to	to	ADP
fsr-3326	765	18	a	a	DET
fsr-3326	765	19	checking	checking	NOUN
fsr-3326	765	20	account	account	NOUN
fsr-3326	765	21	the	the	DET
fsr-3326	765	22	decision	decision	NOUN
fsr-3326	765	23	to	to	PART
fsr-3326	765	24	continue	continue	VERB
fsr-3326	765	25	the	the	DET
fsr-3326	765	26	relationship	relationship	NOUN
fsr-3326	765	27	with	with	ADP
fsr-3326	765	28	the	the	DET
fsr-3326	765	29	advisor	advisor	NOUN
fsr-3326	765	30	clients	client	NOUN
fsr-3326	765	31	who	who	PRON
fsr-3326	765	32	have	have	AUX
fsr-3326	765	33	been	be	AUX
fsr-3326	765	34	affected	affect	VERB
fsr-3326	765	35	by	by	ADP
fsr-3326	765	36	financial	financial	ADJ
fsr-3326	765	37	fraud	fraud	NOUN
fsr-3326	765	38	stop	stop	VERB
fsr-3326	765	39	doing	do	VERB
fsr-3326	765	40	business	business	NOUN
fsr-3326	765	41	with	with	ADP
fsr-3326	765	42	the	the	DET
fsr-3326	765	43	advisor	advisor	NOUN
fsr-3326	765	44	who	who	PRON
fsr-3326	765	45	suggested	suggest	VERB
fsr-3326	765	46	the	the	DET
fsr-3326	765	47	investment	investment	NOUN
fsr-3326	765	48	johnson	johnson	PROPN
fsr-3326	765	49	&	&	CCONJ
fsr-3326	765	50	grayson	grayson	PROPN
fsr-3326	765	51	(	(	PUNCT
fsr-3326	765	52	2005	2005	NUM
fsr-3326	765	53	)	)	PUNCT
fsr-3326	765	54	financial	financial	ADJ
fsr-3326	765	55	advisor	advisor	NOUN
fsr-3326	765	56	,	,	PUNCT
fsr-3326	765	57	title	title	NOUN
fsr-3326	765	58	not	not	PART
fsr-3326	765	59	specified	specify	VERB
fsr-3326	765	60	mail	mail	NOUN
fsr-3326	765	61	survey	survey	NOUN
fsr-3326	765	62	cognitive	cognitive	ADJ
fsr-3326	765	63	and	and	CCONJ
fsr-3326	765	64	affective	affective	ADJ
fsr-3326	765	65	trust	trust	NOUN
fsr-3326	765	66	are	be	AUX
fsr-3326	765	67	both	both	PRON
fsr-3326	765	68	based	base	VERB
fsr-3326	765	69	on	on	ADP
fsr-3326	765	70	five	five	NUM
fsr-3326	765	71	questions	question	NOUN
fsr-3326	765	72	the	the	DET
fsr-3326	765	73	value	value	NOUN
fsr-3326	765	74	of	of	ADP
fsr-3326	765	75	sales	sale	NOUN
fsr-3326	765	76	per	per	ADP
fsr-3326	765	77	account	account	NOUN
fsr-3326	765	78	and	and	CCONJ
fsr-3326	765	79	the	the	DET
fsr-3326	765	80	number	number	NOUN
fsr-3326	765	81	of	of	ADP
fsr-3326	765	82	different	different	ADJ
fsr-3326	765	83	products	product	NOUN
fsr-3326	765	84	owns	own	VERB
fsr-3326	765	85	by	by	ADP
fsr-3326	765	86	the	the	DET
fsr-3326	765	87	client	client	NOUN
fsr-3326	765	88	clients	client	NOUN
fsr-3326	765	89	who	who	PRON
fsr-3326	765	90	trust	trust	VERB
fsr-3326	765	91	more	more	ADV
fsr-3326	765	92	their	their	PRON
fsr-3326	765	93	advisor	advisor	NOUN
fsr-3326	765	94	are	be	AUX
fsr-3326	765	95	more	more	ADV
fsr-3326	765	96	likely	likely	ADJ
fsr-3326	765	97	to	to	PART
fsr-3326	765	98	want	want	VERB
fsr-3326	765	99	to	to	PART
fsr-3326	765	100	return	return	VERB
fsr-3326	765	101	to	to	ADP
fsr-3326	765	102	them	they	PRON
fsr-3326	765	103	in	in	ADP
fsr-3326	765	104	the	the	DET
fsr-3326	765	105	future	future	ADJ
fsr-3326	765	106	advisors	advisor	NOUN
fsr-3326	765	107	who	who	PRON
fsr-3326	765	108	have	have	VERB
fsr-3326	765	109	more	more	ADJ
fsr-3326	765	110	cognitive	cognitive	ADJ
fsr-3326	765	111	trust	trust	NOUN
fsr-3326	765	112	from	from	ADP
fsr-3326	765	113	their	their	PRON
fsr-3326	765	114	clients	client	NOUN
fsr-3326	765	115	have	have	VERB
fsr-3326	765	116	better	well	ADJ
fsr-3326	765	117	sales	sale	NOUN
fsr-3326	765	118	effectiveness	effectiveness	NOUN
fsr-3326	765	119	lachance	lachance	PROPN
fsr-3326	765	120	&	&	CCONJ
fsr-3326	765	121	tang	tang	PROPN
fsr-3326	765	122	(	(	PUNCT
fsr-3326	765	123	2012	2012	NUM
fsr-3326	765	124	)	)	PUNCT
fsr-3326	765	125	five	five	NUM
fsr-3326	765	126	types	type	NOUN
fsr-3326	765	127	of	of	ADP
fsr-3326	765	128	financial	financial	ADJ
fsr-3326	765	129	advisor	advisor	NOUN
fsr-3326	765	130	archival	archival	NOUN
fsr-3326	765	131	data	data	VERB
fsr-3326	765	132	a	a	DET
fsr-3326	765	133	7	7	NUM
fsr-3326	765	134	-	-	PUNCT
fsr-3326	765	135	point	point	NOUN
fsr-3326	765	136	likert	likert	ADJ
fsr-3326	765	137	scale	scale	NOUN
fsr-3326	765	138	question	question	NOUN
fsr-3326	765	139	soliciting	solicit	VERB
fsr-3326	765	140	the	the	DET
fsr-3326	765	141	services	service	NOUN
fsr-3326	765	142	of	of	ADP
fsr-3326	765	143	a	a	DET
fsr-3326	765	144	financial	financial	ADJ
fsr-3326	765	145	advisor	advisor	NOUN
fsr-3326	765	146	individuals	individual	NOUN
fsr-3326	765	147	who	who	PRON
fsr-3326	765	148	trust	trust	VERB
fsr-3326	765	149	financial	financial	ADJ
fsr-3326	765	150	advisors	advisor	NOUN
fsr-3326	765	151	more	more	ADV
fsr-3326	765	152	seek	seek	VERB
fsr-3326	765	153	their	their	PRON
fsr-3326	765	154	services	service	NOUN
fsr-3326	765	155	in	in	ADP
fsr-3326	765	156	all	all	DET
fsr-3326	765	157	five	five	NUM
fsr-3326	765	158	areas	area	NOUN
fsr-3326	766	1	linnainmaa	linnainmaa	VERB
fsr-3326	766	2	et	et	PROPN
fsr-3326	766	3	al	al	PROPN
fsr-3326	766	4	.	.	PROPN
fsr-3326	767	1	(	(	PUNCT
fsr-3326	767	2	2018	2018	NUM
fsr-3326	767	3	)	)	PUNCT
fsr-3326	767	4	financial	financial	ADJ
fsr-3326	767	5	advisor	advisor	NOUN
fsr-3326	767	6	,	,	PUNCT
fsr-3326	767	7	title	title	NOUN
fsr-3326	767	8	not	not	PART
fsr-3326	767	9	specified	specify	VERB
fsr-3326	767	10	archival	archival	NOUN
fsr-3326	767	11	data	datum	NOUN
fsr-3326	767	12	the	the	DET
fsr-3326	767	13	length	length	NOUN
fsr-3326	767	14	of	of	ADP
fsr-3326	767	15	clientadvisor	clientadvisor	NOUN
fsr-3326	767	16	relationship	relationship	NOUN
fsr-3326	767	17	participation	participation	NOUN
fsr-3326	767	18	in	in	ADP
fsr-3326	767	19	the	the	DET
fsr-3326	767	20	stock	stock	NOUN
fsr-3326	767	21	market	market	NOUN
fsr-3326	767	22	,	,	PUNCT
fsr-3326	767	23	i.e.	i.e.	X
fsr-3326	767	24	,	,	PUNCT
fsr-3326	767	25	holding	hold	VERB
fsr-3326	767	26	risky	risky	ADJ
fsr-3326	767	27	assets	asset	NOUN
fsr-3326	767	28	the	the	PRON
fsr-3326	767	29	more	more	ADJ
fsr-3326	767	30	clients	client	NOUN
fsr-3326	767	31	trust	trust	VERB
fsr-3326	767	32	their	their	PRON
fsr-3326	767	33	advisor	advisor	NOUN
fsr-3326	767	34	,	,	PUNCT
fsr-3326	767	35	the	the	DET
fsr-3326	767	36	more	more	ADV
fsr-3326	767	37	likely	likely	ADJ
fsr-3326	767	38	they	they	PRON
fsr-3326	767	39	are	be	AUX
fsr-3326	767	40	to	to	PART
fsr-3326	767	41	follow	follow	VERB
fsr-3326	767	42	their	their	PRON
fsr-3326	767	43	advisor	advisor	NOUN
fsr-3326	767	44	's	's	PART
fsr-3326	767	45	recommendations	recommendation	NOUN
fsr-3326	767	46	to	to	PART
fsr-3326	767	47	participate	participate	VERB
fsr-3326	767	48	in	in	ADP
fsr-3326	767	49	the	the	DET
fsr-3326	767	50	stock	stock	NOUN
fsr-3326	767	51	market	market	NOUN
fsr-3326	767	52	clients	client	NOUN
fsr-3326	767	53	who	who	PRON
fsr-3326	767	54	seek	seek	VERB
fsr-3326	767	55	out	out	ADP
fsr-3326	767	56	an	an	DET
fsr-3326	767	57	advisor	advisor	NOUN
fsr-3326	767	58	participate	participate	VERB
fsr-3326	767	59	more	more	ADV
fsr-3326	767	60	in	in	ADP
fsr-3326	767	61	the	the	DET
fsr-3326	767	62	pilote	pilote	X
fsr-3326	767	63	et	et	PROPN
fsr-3326	767	64	al	al	PROPN
fsr-3326	767	65	.	.	PROPN
fsr-3326	768	1	60	60	NUM
fsr-3326	768	2	stock	stock	NOUN
fsr-3326	768	3	market	market	NOUN
fsr-3326	769	1	and	and	CCONJ
fsr-3326	769	2	take	take	VERB
fsr-3326	769	3	more	more	ADJ
fsr-3326	769	4	risk	risk	NOUN
fsr-3326	769	5	(	(	PUNCT
fsr-3326	769	6	30	30	NUM
fsr-3326	769	7	%	%	NOUN
fsr-3326	769	8	more	more	ADJ
fsr-3326	769	9	)	)	PUNCT
fsr-3326	769	10	in	in	ADP
fsr-3326	769	11	their	their	PRON
fsr-3326	769	12	investments	investment	NOUN
fsr-3326	769	13	mackinger	macking	ADJ
fsr-3326	769	14	et	et	PROPN
fsr-3326	769	15	al	al	PROPN
fsr-3326	769	16	.	.	PROPN
fsr-3326	770	1	(	(	PUNCT
fsr-3326	770	2	2017	2017	NUM
fsr-3326	770	3	)	)	PUNCT
fsr-3326	770	4	financial	financial	ADJ
fsr-3326	770	5	advisor	advisor	NOUN
fsr-3326	770	6	,	,	PUNCT
fsr-3326	770	7	title	title	NOUN
fsr-3326	770	8	not	not	PART
fsr-3326	770	9	specified	specify	VERB
fsr-3326	770	10	survey	survey	NOUN
fsr-3326	770	11	a	a	DET
fsr-3326	770	12	combination	combination	NOUN
fsr-3326	770	13	of	of	ADP
fsr-3326	770	14	five	five	NUM
fsr-3326	770	15	questions	question	NOUN
fsr-3326	770	16	willingness	willingness	NOUN
fsr-3326	770	17	to	to	PART
fsr-3326	770	18	cooperate	cooperate	VERB
fsr-3326	770	19	with	with	ADP
fsr-3326	770	20	the	the	DET
fsr-3326	770	21	advisor	advisor	NOUN
fsr-3326	770	22	trust	trust	NOUN
fsr-3326	770	23	in	in	ADP
fsr-3326	770	24	the	the	DET
fsr-3326	770	25	advisor	advisor	NOUN
fsr-3326	770	26	affects	affect	NOUN
fsr-3326	770	27	clients	client	NOUN
fsr-3326	770	28	’	’	PART
fsr-3326	770	29	intention	intention	NOUN
fsr-3326	770	30	to	to	PART
fsr-3326	770	31	cooperate	cooperate	VERB
fsr-3326	770	32	under	under	ADP
fsr-3326	770	33	uncertainty	uncertainty	NOUN
fsr-3326	770	34	monti	monti	PROPN
fsr-3326	770	35	et	et	PROPN
fsr-3326	770	36	al	al	PROPN
fsr-3326	770	37	.	.	PROPN
fsr-3326	771	1	(	(	PUNCT
fsr-3326	771	2	2014	2014	NUM
fsr-3326	771	3	)	)	PUNCT
fsr-3326	771	4	financial	financial	ADJ
fsr-3326	771	5	advisor	advisor	NOUN
fsr-3326	771	6	,	,	PUNCT
fsr-3326	771	7	title	title	NOUN
fsr-3326	771	8	not	not	PART
fsr-3326	771	9	specified	specify	VERB
fsr-3326	771	10	interviews	interview	NOUN
fsr-3326	771	11	and	and	CCONJ
fsr-3326	771	12	survey	survey	VERB
fsr-3326	771	13	a	a	DET
fsr-3326	771	14	combination	combination	NOUN
fsr-3326	771	15	of	of	ADP
fsr-3326	771	16	four	four	NUM
fsr-3326	771	17	questions	question	NOUN
fsr-3326	771	18	clients	client	NOUN
fsr-3326	771	19	’	'	PUNCT
fsr-3326	771	20	indication	indication	NOUN
fsr-3326	771	21	on	on	ADP
fsr-3326	771	22	whether	whether	SCONJ
fsr-3326	771	23	they	they	PRON
fsr-3326	771	24	would	would	AUX
fsr-3326	771	25	completely	completely	ADV
fsr-3326	771	26	delegate	delegate	VERB
fsr-3326	771	27	clients	client	NOUN
fsr-3326	771	28	report	report	VERB
fsr-3326	771	29	that	that	SCONJ
fsr-3326	771	30	they	they	PRON
fsr-3326	771	31	delegate	delegate	VERB
fsr-3326	771	32	primarily	primarily	ADV
fsr-3326	771	33	because	because	SCONJ
fsr-3326	771	34	they	they	PRON
fsr-3326	771	35	trust	trust	VERB
fsr-3326	771	36	their	their	PRON
fsr-3326	771	37	advisor	advisor	NOUN
fsr-3326	771	38	and	and	CCONJ
fsr-3326	771	39	lack	lack	ADJ
fsr-3326	771	40	financial	financial	ADJ
fsr-3326	771	41	knowledge	knowledge	NOUN
fsr-3326	771	42	(	(	PUNCT
fsr-3326	771	43	77	77	NUM
fsr-3326	771	44	%	%	NOUN
fsr-3326	771	45	say	say	VERB
fsr-3326	771	46	they	they	PRON
fsr-3326	771	47	delegate	delegate	VERB
fsr-3326	771	48	and	and	CCONJ
fsr-3326	771	49	trust	trust	VERB
fsr-3326	771	50	their	their	PRON
fsr-3326	771	51	advisor	advisor	NOUN
fsr-3326	771	52	)	)	PUNCT
fsr-3326	771	53	pauls	pauls	PROPN
fsr-3326	771	54	et	et	PROPN
fsr-3326	771	55	al	al	PROPN
fsr-3326	771	56	.	.	PROPN
fsr-3326	772	1	(	(	PUNCT
fsr-3326	772	2	2016	2016	NUM
fsr-3326	772	3	)	)	PUNCT
fsr-3326	772	4	financial	financial	ADJ
fsr-3326	772	5	advisor	advisor	NOUN
fsr-3326	772	6	,	,	PUNCT
fsr-3326	772	7	title	title	NOUN
fsr-3326	772	8	not	not	PART
fsr-3326	772	9	specified	specify	VERB
fsr-3326	772	10	archival	archival	NOUN
fsr-3326	772	11	data	datum	NOUN
fsr-3326	772	12	a	a	DET
fsr-3326	772	13	dichotomous	dichotomous	ADJ
fsr-3326	772	14	question	question	NOUN
fsr-3326	772	15	the	the	DET
fsr-3326	772	16	decision	decision	NOUN
fsr-3326	772	17	to	to	PART
fsr-3326	772	18	follow	follow	VERB
fsr-3326	772	19	the	the	DET
fsr-3326	772	20	advisors	advisor	NOUN
fsr-3326	772	21	’	'	PUNCT
fsr-3326	772	22	recommendation	recommendation	NOUN
fsr-3326	772	23	the	the	DET
fsr-3326	772	24	more	more	ADJ
fsr-3326	772	25	trust	trust	NOUN
fsr-3326	772	26	the	the	DET
fsr-3326	772	27	client	client	NOUN
fsr-3326	772	28	has	have	VERB
fsr-3326	772	29	in	in	ADP
fsr-3326	772	30	the	the	DET
fsr-3326	772	31	advisor	advisor	NOUN
fsr-3326	772	32	,	,	PUNCT
fsr-3326	772	33	the	the	PRON
fsr-3326	772	34	more	more	ADV
fsr-3326	772	35	likely	likely	ADJ
fsr-3326	772	36	they	they	PRON
fsr-3326	772	37	are	be	AUX
fsr-3326	772	38	to	to	PART
fsr-3326	772	39	follow	follow	VERB
fsr-3326	772	40	the	the	DET
fsr-3326	772	41	advisor	advisor	NOUN
fsr-3326	772	42	's	's	PART
fsr-3326	772	43	recommendations	recommendation	NOUN
fsr-3326	772	44	stolper	stolper	NOUN
fsr-3326	772	45	(	(	PUNCT
fsr-3326	772	46	2018	2018	NUM
fsr-3326	772	47	)	)	PUNCT
fsr-3326	772	48	softwaregenerated	softwaregenerate	VERB
fsr-3326	772	49	advice	advice	NOUN
fsr-3326	772	50	archival	archival	NOUN
fsr-3326	772	51	data	data	VERB
fsr-3326	772	52	no	no	DET
fsr-3326	772	53	explicit	explicit	ADJ
fsr-3326	772	54	measure	measure	NOUN
fsr-3326	772	55	the	the	DET
fsr-3326	772	56	decision	decision	NOUN
fsr-3326	772	57	to	to	PART
fsr-3326	772	58	implement	implement	VERB
fsr-3326	772	59	the	the	DET
fsr-3326	772	60	recommendation	recommendation	NOUN
fsr-3326	772	61	very	very	ADV
fsr-3326	772	62	few	few	ADJ
fsr-3326	772	63	clients	client	NOUN
fsr-3326	772	64	(	(	PUNCT
fsr-3326	772	65	8.8	8.8	NUM
fsr-3326	772	66	%	%	NOUN
fsr-3326	772	67	)	)	PUNCT
fsr-3326	772	68	implement	implement	VERB
fsr-3326	772	69	the	the	DET
fsr-3326	772	70	recommendations	recommendation	NOUN
fsr-3326	772	71	within	within	ADP
fsr-3326	772	72	a	a	DET
fsr-3326	772	73	year	year	NOUN
fsr-3326	772	74	of	of	ADP
fsr-3326	772	75	receiving	receive	VERB
fsr-3326	772	76	the	the	DET
fsr-3326	772	77	advice	advice	NOUN
fsr-3326	772	78	the	the	DET
fsr-3326	772	79	presence	presence	NOUN
fsr-3326	772	80	of	of	ADP
fsr-3326	772	81	unbiased	unbiased	ADJ
fsr-3326	772	82	advice	advice	NOUN
fsr-3326	772	83	is	be	AUX
fsr-3326	772	84	not	not	PART
fsr-3326	772	85	enough	enough	ADJ
fsr-3326	772	86	to	to	PART
fsr-3326	772	87	ensure	ensure	VERB
fsr-3326	772	88	that	that	SCONJ
fsr-3326	772	89	clients	client	NOUN
fsr-3326	772	90	follow	follow	VERB
fsr-3326	772	91	it	it	PRON
fsr-3326	772	92	winchester	winchester	PROPN
fsr-3326	772	93	&	&	CCONJ
fsr-3326	772	94	huston	huston	PROPN
fsr-3326	772	95	(	(	PUNCT
fsr-3326	772	96	2017	2017	NUM
fsr-3326	772	97	)	)	PUNCT
fsr-3326	772	98	financial	financial	ADJ
fsr-3326	772	99	services	service	NOUN
fsr-3326	772	100	professional	professional	ADJ
fsr-3326	772	101	,	,	PUNCT
fsr-3326	772	102	title	title	NOUN
fsr-3326	772	103	not	not	PART
fsr-3326	772	104	specified	specify	VERB
fsr-3326	772	105	survey	survey	NOUN
fsr-3326	772	106	clients	client	NOUN
fsr-3326	772	107	’	’	PART
fsr-3326	772	108	willingness	willingness	NOUN
fsr-3326	772	109	to	to	PART
fsr-3326	772	110	recommend	recommend	VERB
fsr-3326	772	111	the	the	DET
fsr-3326	772	112	advisor	advisor	NOUN
fsr-3326	772	113	to	to	ADP
fsr-3326	772	114	someone	someone	PRON
fsr-3326	772	115	else	else	ADV
fsr-3326	772	116	the	the	DET
fsr-3326	772	117	value	value	NOUN
fsr-3326	772	118	of	of	ADP
fsr-3326	772	119	financial	financial	ADJ
fsr-3326	772	120	advice	advice	NOUN
fsr-3326	772	121	after	after	SCONJ
fsr-3326	772	122	cost	cost	NOUN
fsr-3326	772	123	trust	trust	NOUN
fsr-3326	772	124	in	in	ADP
fsr-3326	772	125	the	the	DET
fsr-3326	772	126	advisor	advisor	NOUN
fsr-3326	772	127	increases	increase	VERB
fsr-3326	772	128	the	the	DET
fsr-3326	772	129	value	value	NOUN
fsr-3326	772	130	of	of	ADP
fsr-3326	772	131	consulting	consult	VERB
fsr-3326	772	132	an	an	DET
fsr-3326	772	133	advisor	advisor	NOUN
fsr-3326	772	134	by	by	ADP
fsr-3326	772	135	reducing	reduce	VERB
fsr-3326	772	136	the	the	DET
fsr-3326	772	137	costs	cost	NOUN
fsr-3326	772	138	associated	associate	VERB
fsr-3326	772	139	with	with	ADP
fsr-3326	772	140	the	the	DET
fsr-3326	772	141	client	client	NOUN
fsr-3326	772	142	's	's	PART
fsr-3326	772	143	control	control	NOUN
fsr-3326	772	144	of	of	ADP
fsr-3326	772	145	the	the	DET
fsr-3326	772	146	advisor	advisor	NOUN
fsr-3326	772	147	.	.	PUNCT
fsr-3326	773	1	when	when	SCONJ
fsr-3326	773	2	the	the	DET
fsr-3326	773	3	client	client	NOUN
fsr-3326	773	4	has	have	VERB
fsr-3326	773	5	more	more	ADJ
fsr-3326	773	6	trust	trust	NOUN
fsr-3326	773	7	,	,	PUNCT
fsr-3326	773	8	they	they	PRON
fsr-3326	773	9	control	control	VERB
fsr-3326	773	10	less	less	ADJ
fsr-3326	773	11	concept	concept	NOUN
fsr-3326	773	12	of	of	ADP
fsr-3326	773	13	knowledge	knowledge	NOUN
fsr-3326	773	14	azamian	azamian	PROPN
fsr-3326	773	15	et	et	PROPN
fsr-3326	773	16	al	al	PROPN
fsr-3326	773	17	.	.	PROPN
fsr-3326	774	1	(	(	PUNCT
fsr-3326	774	2	2022	2022	NUM
fsr-3326	774	3	)	)	PUNCT
fsr-3326	774	4	financial	financial	ADJ
fsr-3326	774	5	advisor	advisor	NOUN
fsr-3326	774	6	,	,	PUNCT
fsr-3326	774	7	63	63	NUM
fsr-3326	774	8	%	%	NOUN
fsr-3326	774	9	of	of	ADP
fsr-3326	774	10	the	the	DET
fsr-3326	774	11	respondents	respondent	NOUN
fsr-3326	774	12	are	be	AUX
fsr-3326	774	13	online	online	ADJ
fsr-3326	774	14	survey	survey	NOUN
fsr-3326	774	15	no	no	DET
fsr-3326	774	16	explicit	explicit	ADJ
fsr-3326	774	17	measure	measure	NOUN
fsr-3326	774	18	,	,	PUNCT
fsr-3326	774	19	but	but	CCONJ
fsr-3326	774	20	advisors	advisor	NOUN
fsr-3326	774	21	are	be	AUX
fsr-3326	774	22	considered	consider	VERB
fsr-3326	774	23	as	as	ADP
fsr-3326	774	24	professional	professional	ADJ
fsr-3326	774	25	in	in	ADP
fsr-3326	774	26	debt	debt	NOUN
fsr-3326	774	27	,	,	PUNCT
fsr-3326	774	28	retirement	retirement	NOUN
fsr-3326	774	29	plan	plan	NOUN
fsr-3326	774	30	,	,	PUNCT
fsr-3326	774	31	investment	investment	NOUN
fsr-3326	774	32	,	,	PUNCT
fsr-3326	774	33	estate	estate	NOUN
fsr-3326	774	34	plan	plan	NOUN
fsr-3326	774	35	,	,	PUNCT
fsr-3326	774	36	and	and	CCONJ
fsr-3326	774	37	cash	cash	NOUN
fsr-3326	774	38	flow	flow	NOUN
fsr-3326	774	39	the	the	DET
fsr-3326	774	40	financial	financial	ADJ
fsr-3326	774	41	advisor	advisor	NOUN
fsr-3326	774	42	group	group	NOUN
fsr-3326	774	43	is	be	AUX
fsr-3326	774	44	better	well	ADV
fsr-3326	774	45	prepared	prepare	VERB
fsr-3326	774	46	for	for	ADP
fsr-3326	774	47	retirement	retirement	NOUN
fsr-3326	774	48	,	,	PUNCT
fsr-3326	774	49	has	have	VERB
fsr-3326	774	50	less	less	ADJ
fsr-3326	774	51	debt	debt	NOUN
fsr-3326	774	52	,	,	PUNCT
fsr-3326	774	53	has	have	VERB
fsr-3326	774	54	more	more	ADJ
fsr-3326	774	55	liquidity	liquidity	NOUN
fsr-3326	774	56	,	,	PUNCT
fsr-3326	774	57	is	be	AUX
fsr-3326	774	58	better	well	ADV
fsr-3326	774	59	insured	insure	VERB
fsr-3326	774	60	and	and	CCONJ
fsr-3326	774	61	financial	financial	ADJ
fsr-3326	774	62	services	service	NOUN
fsr-3326	774	63	review	review	NOUN
fsr-3326	774	64	,	,	PUNCT
fsr-3326	774	65	32(3	32(3	NUM
fsr-3326	774	66	)	)	PUNCT
fsr-3326	774	67	61	61	NUM
fsr-3326	774	68	certified	certify	VERB
fsr-3326	774	69	financial	financial	ADJ
fsr-3326	774	70	planners	planner	NOUN
fsr-3326	774	71	(	(	PUNCT
fsr-3326	774	72	cfp	cfp	PROPN
fsr-3326	774	73	)	)	PUNCT
fsr-3326	774	74	comparison	comparison	NOUN
fsr-3326	774	75	with	with	ADP
fsr-3326	774	76	the	the	DET
fsr-3326	774	77	general	general	ADJ
fsr-3326	774	78	population	population	NOUN
fsr-3326	774	79	is	be	AUX
fsr-3326	774	80	more	more	ADV
fsr-3326	774	81	likely	likely	ADJ
fsr-3326	774	82	to	to	PART
fsr-3326	774	83	have	have	VERB
fsr-3326	774	84	an	an	DET
fsr-3326	774	85	estate	estate	NOUN
fsr-3326	774	86	plan	plan	NOUN
fsr-3326	774	87	barrick	barrick	PROPN
fsr-3326	774	88	&	&	CCONJ
fsr-3326	774	89	spilker	spilker	PROPN
fsr-3326	774	90	(	(	PUNCT
fsr-3326	774	91	2003	2003	NUM
fsr-3326	774	92	)	)	PUNCT
fsr-3326	774	93	tax	tax	NOUN
fsr-3326	774	94	specialists	specialist	NOUN
fsr-3326	774	95	lab	lab	NOUN
fsr-3326	774	96	experiment	experiment	NOUN
fsr-3326	774	97	a	a	DET
fsr-3326	774	98	combination	combination	NOUN
fsr-3326	774	99	of	of	ADP
fsr-3326	774	100	eight	eight	NUM
fsr-3326	774	101	questions	question	NOUN
fsr-3326	774	102	on	on	ADP
fsr-3326	774	103	the	the	DET
fsr-3326	774	104	topic	topic	NOUN
fsr-3326	774	105	the	the	DET
fsr-3326	774	106	information	information	NOUN
fsr-3326	774	107	collected	collect	VERB
fsr-3326	774	108	by	by	ADP
fsr-3326	774	109	the	the	DET
fsr-3326	774	110	participants	participant	NOUN
fsr-3326	774	111	are	be	AUX
fsr-3326	774	112	compared	compare	VERB
fsr-3326	774	113	with	with	ADP
fsr-3326	774	114	those	those	PRON
fsr-3326	774	115	of	of	ADP
fsr-3326	774	116	an	an	DET
fsr-3326	774	117	experts	expert	NOUN
fsr-3326	774	118	’	’	PART
fsr-3326	774	119	panel	panel	NOUN
fsr-3326	774	120	problem	problem	NOUN
fsr-3326	774	121	-	-	PUNCT
fsr-3326	774	122	specific	specific	ADJ
fsr-3326	774	123	knowledge	knowledge	NOUN
fsr-3326	774	124	positively	positively	ADV
fsr-3326	774	125	and	and	CCONJ
fsr-3326	774	126	directly	directly	ADV
fsr-3326	774	127	(	(	PUNCT
fsr-3326	774	128	indirectly	indirectly	ADV
fsr-3326	774	129	,	,	PUNCT
fsr-3326	774	130	via	via	ADP
fsr-3326	774	131	the	the	DET
fsr-3326	774	132	search	search	NOUN
fsr-3326	774	133	strategy	strategy	NOUN
fsr-3326	774	134	)	)	PUNCT
fsr-3326	774	135	affects	affect	VERB
fsr-3326	774	136	information	information	NOUN
fsr-3326	774	137	collection	collection	NOUN
fsr-3326	774	138	performance	performance	NOUN
fsr-3326	774	139	in	in	ADP
fsr-3326	774	140	the	the	DET
fsr-3326	774	141	presence	presence	NOUN
fsr-3326	774	142	(	(	PUNCT
fsr-3326	774	143	absence	absence	NOUN
fsr-3326	774	144	)	)	PUNCT
fsr-3326	774	145	of	of	ADP
fsr-3326	774	146	collecting	collect	VERB
fsr-3326	774	147	assistance	assistance	NOUN
fsr-3326	774	148	bergstresser	bergstresser	NOUN
fsr-3326	774	149	et	et	PROPN
fsr-3326	774	150	al	al	PROPN
fsr-3326	774	151	.	.	PROPN
fsr-3326	775	1	(	(	PUNCT
fsr-3326	775	2	2009	2009	NUM
fsr-3326	775	3	)	)	PUNCT
fsr-3326	775	4	mutual	mutual	ADJ
fsr-3326	775	5	funds	fund	NOUN
fsr-3326	775	6	broker	broker	PROPN
fsr-3326	775	7	archival	archival	NOUN
fsr-3326	775	8	data	datum	NOUN
fsr-3326	775	9	no	no	DET
fsr-3326	775	10	explicit	explicit	ADJ
fsr-3326	775	11	measure	measure	NOUN
fsr-3326	775	12	,	,	PUNCT
fsr-3326	775	13	but	but	CCONJ
fsr-3326	775	14	brokers	broker	NOUN
fsr-3326	775	15	are	be	AUX
fsr-3326	775	16	considered	consider	VERB
fsr-3326	775	17	as	as	ADP
fsr-3326	775	18	professional	professional	ADJ
fsr-3326	775	19	in	in	ADP
fsr-3326	775	20	comparison	comparison	NOUN
fsr-3326	775	21	to	to	ADP
fsr-3326	775	22	their	their	PRON
fsr-3326	775	23	clients	client	NOUN
fsr-3326	775	24	the	the	DET
fsr-3326	775	25	performance	performance	NOUN
fsr-3326	775	26	of	of	ADP
fsr-3326	775	27	mutual	mutual	ADJ
fsr-3326	775	28	funds	fund	NOUN
fsr-3326	775	29	sold	sell	VERB
fsr-3326	775	30	or	or	CCONJ
fsr-3326	775	31	acquired	acquire	VERB
fsr-3326	775	32	through	through	ADP
fsr-3326	775	33	a	a	DET
fsr-3326	775	34	broker	broker	NOUN
fsr-3326	775	35	or	or	CCONJ
fsr-3326	775	36	directly	directly	ADV
fsr-3326	775	37	by	by	ADP
fsr-3326	775	38	the	the	DET
fsr-3326	775	39	client	client	NOUN
fsr-3326	775	40	mutual	mutual	ADJ
fsr-3326	775	41	funds	fund	NOUN
fsr-3326	775	42	purchased	purchase	VERB
fsr-3326	775	43	through	through	ADP
fsr-3326	775	44	a	a	DET
fsr-3326	775	45	broker	broker	NOUN
fsr-3326	775	46	perform	perform	VERB
fsr-3326	775	47	worse	bad	ADJ
fsr-3326	775	48	than	than	ADP
fsr-3326	775	49	those	those	PRON
fsr-3326	775	50	purchased	purchase	VERB
fsr-3326	775	51	directly	directly	ADV
fsr-3326	775	52	by	by	ADP
fsr-3326	775	53	the	the	DET
fsr-3326	775	54	client	client	NOUN
fsr-3326	775	55	results	result	NOUN
fsr-3326	775	56	could	could	AUX
fsr-3326	775	57	be	be	AUX
fsr-3326	775	58	explained	explain	VERB
fsr-3326	775	59	by	by	ADP
fsr-3326	775	60	the	the	DET
fsr-3326	775	61	conflict	conflict	NOUN
fsr-3326	775	62	of	of	ADP
fsr-3326	775	63	interest	interest	NOUN
fsr-3326	775	64	between	between	ADP
fsr-3326	775	65	the	the	DET
fsr-3326	775	66	broker	broker	NOUN
fsr-3326	775	67	and	and	CCONJ
fsr-3326	775	68	the	the	DET
fsr-3326	775	69	client	client	NOUN
fsr-3326	775	70	bluethgen	bluethgen	PROPN
fsr-3326	775	71	et	et	PROPN
fsr-3326	775	72	al	al	PROPN
fsr-3326	775	73	.	.	PROPN
fsr-3326	776	1	(	(	PUNCT
fsr-3326	776	2	2008	2008	NUM
fsr-3326	776	3	)	)	PUNCT
fsr-3326	776	4	financial	financial	ADJ
fsr-3326	776	5	advisor	advisor	NOUN
fsr-3326	776	6	,	,	PUNCT
fsr-3326	776	7	title	title	NOUN
fsr-3326	776	8	not	not	PART
fsr-3326	776	9	specified	specify	VERB
fsr-3326	776	10	archival	archival	NOUN
fsr-3326	776	11	data	datum	NOUN
fsr-3326	776	12	no	no	DET
fsr-3326	776	13	explicit	explicit	ADJ
fsr-3326	776	14	measure	measure	NOUN
fsr-3326	776	15	,	,	PUNCT
fsr-3326	776	16	but	but	CCONJ
fsr-3326	776	17	advisors	advisor	NOUN
fsr-3326	776	18	are	be	AUX
fsr-3326	776	19	considered	consider	VERB
fsr-3326	776	20	as	as	ADP
fsr-3326	776	21	professional	professional	ADJ
fsr-3326	776	22	in	in	SCONJ
fsr-3326	776	23	comparison	comparison	NOUN
fsr-3326	776	24	to	to	ADP
fsr-3326	776	25	their	their	PRON
fsr-3326	776	26	clients	client	NOUN
fsr-3326	776	27	diversification	diversification	NOUN
fsr-3326	776	28	of	of	ADP
fsr-3326	776	29	assets	asset	NOUN
fsr-3326	776	30	in	in	ADP
fsr-3326	776	31	the	the	DET
fsr-3326	776	32	clients	client	NOUN
fsr-3326	776	33	’	’	PART
fsr-3326	776	34	portfolio	portfolio	NOUN
fsr-3326	776	35	advisory	advisory	NOUN
fsr-3326	776	36	-	-	PUNCT
fsr-3326	776	37	assisted	assist	VERB
fsr-3326	776	38	clients	client	NOUN
fsr-3326	776	39	have	have	VERB
fsr-3326	776	40	better	well	ADJ
fsr-3326	776	41	portfolio	portfolio	NOUN
fsr-3326	776	42	diversification	diversification	NOUN
fsr-3326	776	43	clients	client	NOUN
fsr-3326	776	44	who	who	PRON
fsr-3326	776	45	receive	receive	VERB
fsr-3326	776	46	advice	advice	NOUN
fsr-3326	776	47	trade	trade	NOUN
fsr-3326	776	48	more	more	ADV
fsr-3326	776	49	and	and	CCONJ
fsr-3326	776	50	therefore	therefore	ADV
fsr-3326	776	51	have	have	VERB
fsr-3326	776	52	higher	high	ADJ
fsr-3326	776	53	transaction	transaction	NOUN
fsr-3326	776	54	costs	cost	NOUN
fsr-3326	776	55	bodnaruk	bodnaruk	NOUN
fsr-3326	776	56	&	&	CCONJ
fsr-3326	776	57	simonov	simonov	PROPN
fsr-3326	776	58	(	(	PUNCT
fsr-3326	776	59	2015	2015	NUM
fsr-3326	776	60	)	)	PUNCT
fsr-3326	776	61	mutual	mutual	ADJ
fsr-3326	776	62	fund	fund	NOUN
fsr-3326	776	63	managers	manager	NOUN
fsr-3326	776	64	archival	archival	VERB
fsr-3326	776	65	data	datum	NOUN
fsr-3326	776	66	no	no	DET
fsr-3326	776	67	explicit	explicit	ADJ
fsr-3326	776	68	measure	measure	NOUN
fsr-3326	776	69	,	,	PUNCT
fsr-3326	776	70	but	but	CCONJ
fsr-3326	776	71	managers	manager	NOUN
fsr-3326	776	72	are	be	AUX
fsr-3326	776	73	considered	consider	VERB
fsr-3326	776	74	as	as	ADP
fsr-3326	776	75	professional	professional	ADJ
fsr-3326	776	76	in	in	ADP
fsr-3326	776	77	comparison	comparison	NOUN
fsr-3326	776	78	to	to	ADP
fsr-3326	776	79	their	their	PRON
fsr-3326	776	80	clients	client	NOUN
fsr-3326	776	81	comparison	comparison	NOUN
fsr-3326	776	82	of	of	ADP
fsr-3326	776	83	the	the	DET
fsr-3326	776	84	results	result	NOUN
fsr-3326	776	85	of	of	ADP
fsr-3326	776	86	mutual	mutual	ADJ
fsr-3326	776	87	fund	fund	NOUN
fsr-3326	776	88	managers	manager	NOUN
fsr-3326	776	89	with	with	ADP
fsr-3326	776	90	those	those	PRON
fsr-3326	776	91	of	of	ADP
fsr-3326	776	92	individuals	individual	NOUN
fsr-3326	776	93	mutual	mutual	ADJ
fsr-3326	776	94	fund	fund	NOUN
fsr-3326	776	95	managers	manager	NOUN
fsr-3326	776	96	are	be	AUX
fsr-3326	776	97	no	no	ADV
fsr-3326	776	98	better	well	ADJ
fsr-3326	776	99	than	than	ADP
fsr-3326	776	100	individuals	individual	NOUN
fsr-3326	776	101	when	when	SCONJ
fsr-3326	776	102	it	it	PRON
fsr-3326	776	103	comes	come	VERB
fsr-3326	776	104	to	to	ADP
fsr-3326	776	105	their	their	PRON
fsr-3326	776	106	personal	personal	ADJ
fsr-3326	776	107	investments	investment	NOUN
fsr-3326	776	108	chatterjee	chatterjee	PROPN
fsr-3326	776	109	&	&	CCONJ
fsr-3326	776	110	fan	fan	PROPN
fsr-3326	776	111	(	(	PUNCT
fsr-3326	776	112	2023	2023	NUM
fsr-3326	776	113	)	)	PUNCT
fsr-3326	776	114	financial	financial	ADJ
fsr-3326	776	115	advisor	advisor	NOUN
fsr-3326	776	116	and	and	CCONJ
fsr-3326	776	117	cfp	cfp	PROPN
fsr-3326	776	118	archival	archival	NOUN
fsr-3326	776	119	data	data	VERB
fsr-3326	776	120	no	no	DET
fsr-3326	776	121	explicit	explicit	ADJ
fsr-3326	776	122	measure	measure	NOUN
fsr-3326	776	123	,	,	PUNCT
fsr-3326	776	124	but	but	CCONJ
fsr-3326	776	125	the	the	DET
fsr-3326	776	126	presence	presence	NOUN
fsr-3326	776	127	of	of	ADP
fsr-3326	776	128	a	a	DET
fsr-3326	776	129	professional	professional	NOUN
fsr-3326	776	130	is	be	AUX
fsr-3326	776	131	considered	consider	VERB
fsr-3326	776	132	retirement	retirement	NOUN
fsr-3326	776	133	savings	saving	NOUN
fsr-3326	776	134	,	,	PUNCT
fsr-3326	776	135	6	6	NUM
fsr-3326	776	136	components	component	NOUN
fsr-3326	776	137	people	people	NOUN
fsr-3326	776	138	living	live	VERB
fsr-3326	776	139	in	in	ADP
fsr-3326	776	140	financial	financial	ADJ
fsr-3326	776	141	advice	advice	NOUN
fsr-3326	776	142	deserts	desert	NOUN
fsr-3326	776	143	are	be	AUX
fsr-3326	776	144	less	less	ADV
fsr-3326	776	145	likely	likely	ADJ
fsr-3326	776	146	to	to	PART
fsr-3326	776	147	have	have	VERB
fsr-3326	776	148	retirement	retirement	NOUN
fsr-3326	776	149	accounts	account	NOUN
fsr-3326	776	150	and	and	CCONJ
fsr-3326	776	151	to	to	PART
fsr-3326	776	152	contribute	contribute	VERB
fsr-3326	776	153	regularly	regularly	ADV
fsr-3326	776	154	to	to	ADP
fsr-3326	776	155	their	their	PRON
fsr-3326	776	156	retirement	retirement	NOUN
fsr-3326	776	157	accounts	account	NOUN
fsr-3326	776	158	cici	cici	VERB
fsr-3326	776	159	et	et	PROPN
fsr-3326	776	160	al	al	PROPN
fsr-3326	776	161	.	.	PROPN
fsr-3326	777	1	(	(	PUNCT
fsr-3326	777	2	2017	2017	NUM
fsr-3326	777	3	)	)	PUNCT
fsr-3326	777	4	financial	financial	ADJ
fsr-3326	777	5	advisor	advisor	NOUN
fsr-3326	777	6	,	,	PUNCT
fsr-3326	777	7	title	title	NOUN
fsr-3326	777	8	not	not	PART
fsr-3326	777	9	specified	specify	VERB
fsr-3326	777	10	archival	archival	NOUN
fsr-3326	777	11	data	datum	NOUN
fsr-3326	777	12	no	no	DET
fsr-3326	777	13	explicit	explicit	ADJ
fsr-3326	777	14	measure	measure	NOUN
fsr-3326	777	15	,	,	PUNCT
fsr-3326	777	16	but	but	CCONJ
fsr-3326	777	17	advisors	advisor	NOUN
fsr-3326	777	18	are	be	AUX
fsr-3326	777	19	considered	consider	VERB
fsr-3326	777	20	as	as	SCONJ
fsr-3326	777	21	the	the	DET
fsr-3326	777	22	change	change	NOUN
fsr-3326	777	23	in	in	ADP
fsr-3326	777	24	equity	equity	NOUN
fsr-3326	777	25	ownership	ownership	NOUN
fsr-3326	777	26	in	in	ADP
fsr-3326	777	27	the	the	DET
fsr-3326	777	28	funds	fund	NOUN
fsr-3326	777	29	financial	financial	ADJ
fsr-3326	777	30	advisors	advisor	NOUN
fsr-3326	777	31	provide	provide	VERB
fsr-3326	777	32	tangible	tangible	ADJ
fsr-3326	777	33	benefits	benefit	NOUN
fsr-3326	777	34	to	to	ADP
fsr-3326	777	35	investors	investor	NOUN
fsr-3326	777	36	,	,	PUNCT
fsr-3326	777	37	pilote	pilote	X
fsr-3326	777	38	et	et	PROPN
fsr-3326	777	39	al	al	PROPN
fsr-3326	777	40	.	.	PROPN
fsr-3326	778	1	62	62	NUM
fsr-3326	778	2	professional	professional	ADJ
fsr-3326	778	3	in	in	ADP
fsr-3326	778	4	comparison	comparison	NOUN
fsr-3326	778	5	to	to	ADP
fsr-3326	778	6	their	their	PRON
fsr-3326	778	7	clients	client	NOUN
fsr-3326	778	8	before	before	ADP
fsr-3326	778	9	and	and	CCONJ
fsr-3326	778	10	after	after	ADP
fsr-3326	778	11	a	a	DET
fsr-3326	778	12	tax	tax	NOUN
fsr-3326	778	13	distribution	distribution	NOUN
fsr-3326	778	14	particularly	particularly	ADV
fsr-3326	778	15	with	with	ADP
fsr-3326	778	16	respect	respect	NOUN
fsr-3326	778	17	to	to	ADP
fsr-3326	778	18	taxation	taxation	NOUN
fsr-3326	778	19	cloyd	cloyd	PROPN
fsr-3326	778	20	(	(	PUNCT
fsr-3326	778	21	1995	1995	NUM
fsr-3326	778	22	)	)	PUNCT
fsr-3326	778	23	tax	tax	NOUN
fsr-3326	778	24	specialists	specialist	NOUN
fsr-3326	778	25	lab	lab	NOUN
fsr-3326	778	26	experiment	experiment	NOUN
fsr-3326	778	27	a	a	DET
fsr-3326	778	28	combination	combination	NOUN
fsr-3326	778	29	of	of	ADP
fsr-3326	778	30	eighteen	eighteen	NUM
fsr-3326	778	31	questions	question	NOUN
fsr-3326	778	32	on	on	ADP
fsr-3326	778	33	the	the	DET
fsr-3326	778	34	topic	topic	NOUN
fsr-3326	778	35	the	the	DET
fsr-3326	778	36	information	information	NOUN
fsr-3326	778	37	collected	collect	VERB
fsr-3326	778	38	by	by	ADP
fsr-3326	778	39	the	the	DET
fsr-3326	778	40	participants	participant	NOUN
fsr-3326	778	41	are	be	AUX
fsr-3326	778	42	compared	compare	VERB
fsr-3326	778	43	with	with	ADP
fsr-3326	778	44	those	those	PRON
fsr-3326	778	45	of	of	ADP
fsr-3326	778	46	an	an	DET
fsr-3326	778	47	experts	expert	NOUN
fsr-3326	778	48	’	’	PART
fsr-3326	778	49	panel	panel	NOUN
fsr-3326	778	50	prior	prior	ADJ
fsr-3326	778	51	knowledge	knowledge	NOUN
fsr-3326	778	52	positively	positively	ADV
fsr-3326	778	53	affects	affect	VERB
fsr-3326	778	54	the	the	DET
fsr-3326	778	55	number	number	NOUN
fsr-3326	778	56	of	of	ADP
fsr-3326	778	57	relevant	relevant	ADJ
fsr-3326	778	58	items	item	NOUN
fsr-3326	778	59	found	find	VERB
fsr-3326	778	60	,	,	PUNCT
fsr-3326	778	61	the	the	DET
fsr-3326	778	62	ability	ability	NOUN
fsr-3326	778	63	to	to	PART
fsr-3326	778	64	differentiate	differentiate	VERB
fsr-3326	778	65	between	between	ADP
fsr-3326	778	66	relevant	relevant	ADJ
fsr-3326	778	67	and	and	CCONJ
fsr-3326	778	68	irrelevant	irrelevant	ADJ
fsr-3326	778	69	items	item	NOUN
fsr-3326	778	70	,	,	PUNCT
fsr-3326	778	71	and	and	CCONJ
fsr-3326	778	72	reduces	reduce	VERB
fsr-3326	778	73	the	the	DET
fsr-3326	778	74	amount	amount	NOUN
fsr-3326	778	75	of	of	ADP
fsr-3326	778	76	time	time	NOUN
fsr-3326	778	77	needed	need	VERB
fsr-3326	778	78	to	to	PART
fsr-3326	778	79	complete	complete	VERB
fsr-3326	778	80	the	the	DET
fsr-3326	778	81	information	information	NOUN
fsr-3326	778	82	search	search	NOUN
fsr-3326	778	83	cloyd	cloyd	NOUN
fsr-3326	778	84	(	(	PUNCT
fsr-3326	778	85	1997	1997	NUM
fsr-3326	778	86	)	)	PUNCT
fsr-3326	778	87	tax	tax	NOUN
fsr-3326	778	88	specialists	specialist	NOUN
fsr-3326	778	89	lab	lab	NOUN
fsr-3326	778	90	experiment	experiment	NOUN
fsr-3326	778	91	a	a	DET
fsr-3326	778	92	combination	combination	NOUN
fsr-3326	778	93	of	of	ADP
fsr-3326	778	94	eighteen	eighteen	NUM
fsr-3326	778	95	questions	question	NOUN
fsr-3326	778	96	on	on	ADP
fsr-3326	778	97	the	the	DET
fsr-3326	778	98	topic	topic	NOUN
fsr-3326	778	99	the	the	DET
fsr-3326	778	100	information	information	NOUN
fsr-3326	778	101	collected	collect	VERB
fsr-3326	778	102	by	by	ADP
fsr-3326	778	103	the	the	DET
fsr-3326	778	104	participants	participant	NOUN
fsr-3326	778	105	are	be	AUX
fsr-3326	778	106	compared	compare	VERB
fsr-3326	778	107	with	with	ADP
fsr-3326	778	108	those	those	PRON
fsr-3326	778	109	of	of	ADP
fsr-3326	778	110	an	an	DET
fsr-3326	778	111	experts	expert	NOUN
fsr-3326	778	112	’	’	PART
fsr-3326	778	113	panel	panel	NOUN
fsr-3326	778	114	prior	prior	ADJ
fsr-3326	778	115	knowledge	knowledge	NOUN
fsr-3326	778	116	positively	positively	ADV
fsr-3326	778	117	affects	affect	VERB
fsr-3326	778	118	the	the	DET
fsr-3326	778	119	number	number	NOUN
fsr-3326	778	120	of	of	ADP
fsr-3326	778	121	relevant	relevant	ADJ
fsr-3326	778	122	items	item	NOUN
fsr-3326	778	123	found	find	VERB
fsr-3326	778	124	cummings	cummings	PROPN
fsr-3326	778	125	et	et	PROPN
fsr-3326	778	126	al	al	PROPN
fsr-3326	778	127	.	.	PROPN
fsr-3326	779	1	(	(	PUNCT
fsr-3326	779	2	2013	2013	NUM
fsr-3326	779	3	)	)	PUNCT
fsr-3326	779	4	financial	financial	ADJ
fsr-3326	779	5	advisor	advisor	NOUN
fsr-3326	779	6	,	,	PUNCT
fsr-3326	779	7	title	title	NOUN
fsr-3326	779	8	not	not	PART
fsr-3326	779	9	specified	specify	VERB
fsr-3326	779	10	archival	archival	NOUN
fsr-3326	779	11	data	datum	NOUN
fsr-3326	779	12	no	no	DET
fsr-3326	779	13	explicit	explicit	ADJ
fsr-3326	779	14	measure	measure	NOUN
fsr-3326	779	15	,	,	PUNCT
fsr-3326	779	16	but	but	CCONJ
fsr-3326	779	17	the	the	DET
fsr-3326	779	18	presence	presence	NOUN
fsr-3326	779	19	of	of	ADP
fsr-3326	779	20	an	an	DET
fsr-3326	779	21	advisor	advisor	NOUN
fsr-3326	779	22	is	be	AUX
fsr-3326	779	23	considered	consider	VERB
fsr-3326	779	24	a	a	DET
fsr-3326	779	25	positive	positive	ADJ
fsr-3326	779	26	influx	influx	NOUN
fsr-3326	779	27	of	of	ADP
fsr-3326	779	28	knowledge	knowledge	NOUN
fsr-3326	779	29	holding	hold	VERB
fsr-3326	779	30	an	an	DET
fsr-3326	779	31	individual	individual	ADJ
fsr-3326	779	32	tax	tax	NOUN
fsr-3326	779	33	-	-	PUNCT
fsr-3326	779	34	free	free	ADJ
fsr-3326	779	35	account	account	NOUN
fsr-3326	779	36	(	(	PUNCT
fsr-3326	779	37	roth	roth	PROPN
fsr-3326	779	38	ira	ira	PROPN
fsr-3326	779	39	)	)	PUNCT
fsr-3326	779	40	solicitation	solicitation	NOUN
fsr-3326	779	41	of	of	ADP
fsr-3326	779	42	a	a	DET
fsr-3326	779	43	financial	financial	ADJ
fsr-3326	779	44	planner	planner	NOUN
fsr-3326	779	45	positively	positively	ADV
fsr-3326	779	46	influences	influence	VERB
fsr-3326	779	47	ownership	ownership	NOUN
fsr-3326	779	48	of	of	ADP
fsr-3326	779	49	an	an	DET
fsr-3326	779	50	individual	individual	ADJ
fsr-3326	779	51	taxfree	taxfree	PROPN
fsr-3326	779	52	account	account	PROPN
fsr-3326	779	53	direr	direr	NOUN
fsr-3326	779	54	&	&	CCONJ
fsr-3326	779	55	visser	visser	PROPN
fsr-3326	779	56	(	(	PUNCT
fsr-3326	779	57	2013	2013	NUM
fsr-3326	779	58	)	)	PUNCT
fsr-3326	779	59	financial	financial	ADJ
fsr-3326	779	60	advisor	advisor	NOUN
fsr-3326	779	61	,	,	PUNCT
fsr-3326	779	62	title	title	NOUN
fsr-3326	779	63	not	not	PART
fsr-3326	779	64	specified	specify	VERB
fsr-3326	779	65	archival	archival	NOUN
fsr-3326	779	66	data	datum	NOUN
fsr-3326	779	67	the	the	DET
fsr-3326	779	68	holding	holding	NOUN
fsr-3326	779	69	of	of	ADP
fsr-3326	779	70	a	a	DET
fsr-3326	779	71	university	university	NOUN
fsr-3326	779	72	degree	degree	NOUN
fsr-3326	779	73	the	the	DET
fsr-3326	779	74	percentage	percentage	NOUN
fsr-3326	779	75	of	of	ADP
fsr-3326	779	76	assets	asset	NOUN
fsr-3326	779	77	invested	invest	VERB
fsr-3326	779	78	in	in	ADP
fsr-3326	779	79	the	the	DET
fsr-3326	779	80	stock	stock	NOUN
fsr-3326	779	81	market	market	NOUN
fsr-3326	779	82	in	in	ADP
fsr-3326	779	83	relation	relation	NOUN
fsr-3326	779	84	to	to	ADP
fsr-3326	779	85	total	total	ADJ
fsr-3326	779	86	assets	asset	NOUN
fsr-3326	779	87	individuals	individual	NOUN
fsr-3326	779	88	who	who	PRON
fsr-3326	779	89	consult	consult	VERB
fsr-3326	779	90	with	with	ADP
fsr-3326	779	91	financial	financial	ADJ
fsr-3326	779	92	advisors	advisor	NOUN
fsr-3326	779	93	with	with	ADP
fsr-3326	779	94	higher	high	ADJ
fsr-3326	779	95	levels	level	NOUN
fsr-3326	779	96	of	of	ADP
fsr-3326	779	97	education	education	NOUN
fsr-3326	779	98	are	be	AUX
fsr-3326	779	99	more	more	ADV
fsr-3326	779	100	likely	likely	ADJ
fsr-3326	779	101	to	to	PART
fsr-3326	779	102	invest	invest	VERB
fsr-3326	779	103	in	in	ADP
fsr-3326	779	104	the	the	DET
fsr-3326	779	105	stock	stock	NOUN
fsr-3326	779	106	market	market	NOUN
fsr-3326	779	107	than	than	ADP
fsr-3326	779	108	clients	client	NOUN
fsr-3326	779	109	of	of	ADP
fsr-3326	779	110	those	those	PRON
fsr-3326	779	111	with	with	ADP
fsr-3326	779	112	lower	low	ADJ
fsr-3326	779	113	levels	level	NOUN
fsr-3326	779	114	of	of	ADP
fsr-3326	779	115	education	education	PROPN
fsr-3326	779	116	fan	fan	NOUN
fsr-3326	779	117	(	(	PUNCT
fsr-3326	779	118	2021	2021	NUM
fsr-3326	779	119	)	)	PUNCT
fsr-3326	779	120	financial	financial	ADJ
fsr-3326	779	121	advisor	advisor	NOUN
fsr-3326	779	122	,	,	PUNCT
fsr-3326	779	123	title	title	NOUN
fsr-3326	779	124	not	not	PART
fsr-3326	779	125	specified	specify	VERB
fsr-3326	779	126	archival	archival	NOUN
fsr-3326	779	127	data	datum	NOUN
fsr-3326	779	128	no	no	DET
fsr-3326	779	129	explicit	explicit	ADJ
fsr-3326	779	130	measure	measure	NOUN
fsr-3326	779	131	,	,	PUNCT
fsr-3326	779	132	but	but	CCONJ
fsr-3326	779	133	the	the	DET
fsr-3326	779	134	presence	presence	NOUN
fsr-3326	779	135	of	of	ADP
fsr-3326	779	136	an	an	DET
fsr-3326	779	137	advisor	advisor	NOUN
fsr-3326	779	138	is	be	AUX
fsr-3326	779	139	considered	consider	VERB
fsr-3326	779	140	a	a	DET
fsr-3326	779	141	positive	positive	ADJ
fsr-3326	779	142	influx	influx	NOUN
fsr-3326	779	143	of	of	ADP
fsr-3326	779	144	knowledge	knowledge	NOUN
fsr-3326	779	145	saving	saving	NOUN
fsr-3326	779	146	behaviors	behavior	NOUN
fsr-3326	779	147	and	and	CCONJ
fsr-3326	779	148	credit	credit	NOUN
fsr-3326	779	149	usage	usage	NOUN
fsr-3326	779	150	individual	individual	NOUN
fsr-3326	779	151	's	's	PART
fsr-3326	779	152	search	search	NOUN
fsr-3326	779	153	for	for	ADP
fsr-3326	779	154	information	information	NOUN
fsr-3326	779	155	and	and	CCONJ
fsr-3326	779	156	the	the	DET
fsr-3326	779	157	external	external	ADJ
fsr-3326	779	158	search	search	NOUN
fsr-3326	779	159	for	for	ADP
fsr-3326	779	160	information	information	NOUN
fsr-3326	779	161	(	(	PUNCT
fsr-3326	779	162	financial	financial	ADJ
fsr-3326	779	163	advisor	advisor	NOUN
fsr-3326	779	164	)	)	PUNCT
fsr-3326	779	165	are	be	AUX
fsr-3326	779	166	positively	positively	ADV
fsr-3326	779	167	associated	associate	VERB
fsr-3326	779	168	with	with	ADP
fsr-3326	779	169	saving	saving	NOUN
fsr-3326	779	170	and	and	CCONJ
fsr-3326	779	171	good	good	ADJ
fsr-3326	779	172	credit	credit	NOUN
fsr-3326	779	173	usage	usage	NOUN
fsr-3326	779	174	fischer	fischer	PROPN
fsr-3326	779	175	&	&	CCONJ
fsr-3326	779	176	gerhardt	gerhardt	PROPN
fsr-3326	779	177	(	(	PUNCT
fsr-3326	779	178	2007	2007	NUM
fsr-3326	779	179	)	)	PUNCT
fsr-3326	779	180	financial	financial	ADJ
fsr-3326	779	181	advisor	advisor	NOUN
fsr-3326	779	182	,	,	PUNCT
fsr-3326	779	183	title	title	NOUN
fsr-3326	779	184	not	not	PART
fsr-3326	779	185	specified	specify	VERB
fsr-3326	779	186	analytical	analytical	ADJ
fsr-3326	779	187	model	model	NOUN
fsr-3326	779	188	no	no	DET
fsr-3326	779	189	explicit	explicit	ADJ
fsr-3326	779	190	measure	measure	NOUN
fsr-3326	779	191	,	,	PUNCT
fsr-3326	779	192	but	but	CCONJ
fsr-3326	779	193	advisors	advisor	NOUN
fsr-3326	779	194	are	be	AUX
fsr-3326	779	195	considered	consider	VERB
fsr-3326	779	196	as	as	SCONJ
fsr-3326	779	197	the	the	DET
fsr-3326	779	198	extent	extent	NOUN
fsr-3326	779	199	of	of	ADP
fsr-3326	779	200	investment	investment	NOUN
fsr-3326	779	201	errors	error	NOUN
fsr-3326	779	202	made	make	VERB
fsr-3326	779	203	by	by	ADP
fsr-3326	779	204	individuals	individual	NOUN
fsr-3326	779	205	financial	financial	ADJ
fsr-3326	779	206	advice	advice	NOUN
fsr-3326	779	207	helps	help	VERB
fsr-3326	779	208	individuals	individual	NOUN
fsr-3326	779	209	reduce	reduce	VERB
fsr-3326	779	210	their	their	PRON
fsr-3326	779	211	investment	investment	NOUN
fsr-3326	779	212	mistakes	mistake	NOUN
fsr-3326	779	213	financial	financial	ADJ
fsr-3326	779	214	services	service	NOUN
fsr-3326	779	215	review	review	PROPN
fsr-3326	779	216	,	,	PUNCT
fsr-3326	779	217	32(3	32(3	NUM
fsr-3326	779	218	)	)	PUNCT
fsr-3326	779	219	63	63	NUM
fsr-3326	779	220	professional	professional	ADJ
fsr-3326	779	221	in	in	ADP
fsr-3326	779	222	comparison	comparison	NOUN
fsr-3326	779	223	to	to	ADP
fsr-3326	779	224	their	their	PRON
fsr-3326	779	225	clients	client	NOUN
fsr-3326	779	226	grable	grable	PROPN
fsr-3326	779	227	&	&	CCONJ
fsr-3326	779	228	chatterjee	chatterjee	PROPN
fsr-3326	779	229	(	(	PUNCT
fsr-3326	779	230	2014	2014	NUM
fsr-3326	779	231	)	)	PUNCT
fsr-3326	779	232	financial	financial	ADJ
fsr-3326	779	233	advisor	advisor	NOUN
fsr-3326	779	234	,	,	PUNCT
fsr-3326	779	235	title	title	NOUN
fsr-3326	779	236	not	not	PART
fsr-3326	779	237	specified	specify	VERB
fsr-3326	779	238	archival	archival	NOUN
fsr-3326	779	239	data	datum	NOUN
fsr-3326	779	240	no	no	DET
fsr-3326	779	241	explicit	explicit	ADJ
fsr-3326	779	242	measure	measure	NOUN
fsr-3326	779	243	,	,	PUNCT
fsr-3326	779	244	but	but	CCONJ
fsr-3326	779	245	the	the	DET
fsr-3326	779	246	presence	presence	NOUN
fsr-3326	779	247	of	of	ADP
fsr-3326	779	248	an	an	DET
fsr-3326	779	249	advisor	advisor	NOUN
fsr-3326	779	250	is	be	AUX
fsr-3326	779	251	considered	consider	VERB
fsr-3326	779	252	an	an	DET
fsr-3326	779	253	added	add	VERB
fsr-3326	779	254	value	value	NOUN
fsr-3326	779	255	wealth	wealth	NOUN
fsr-3326	779	256	change	change	NOUN
fsr-3326	779	257	individuals	individual	NOUN
fsr-3326	779	258	who	who	PRON
fsr-3326	779	259	sought	seek	VERB
fsr-3326	779	260	a	a	DET
fsr-3326	779	261	financial	financial	ADJ
fsr-3326	779	262	advisor	advisor	NOUN
fsr-3326	779	263	experienced	experience	VERB
fsr-3326	779	264	a	a	DET
fsr-3326	779	265	6.25	6.25	NUM
fsr-3326	779	266	%	%	NOUN
fsr-3326	779	267	lower	low	ADJ
fsr-3326	779	268	loss	loss	NOUN
fsr-3326	779	269	of	of	ADP
fsr-3326	779	270	wealth	wealth	NOUN
fsr-3326	779	271	as	as	ADP
fsr-3326	779	272	a	a	DET
fsr-3326	779	273	result	result	NOUN
fsr-3326	779	274	of	of	ADP
fsr-3326	779	275	a	a	DET
fsr-3326	779	276	recession	recession	NOUN
fsr-3326	779	277	compared	compare	VERB
fsr-3326	779	278	to	to	ADP
fsr-3326	779	279	those	those	PRON
fsr-3326	779	280	who	who	PRON
fsr-3326	779	281	did	do	AUX
fsr-3326	779	282	not	not	PART
fsr-3326	779	283	seek	seek	VERB
fsr-3326	779	284	an	an	DET
fsr-3326	779	285	advisor	advisor	NOUN
fsr-3326	779	286	hanna	hanna	PROPN
fsr-3326	779	287	&	&	CCONJ
fsr-3326	779	288	lindamood	lindamood	PROPN
fsr-3326	779	289	(	(	PUNCT
fsr-3326	779	290	2010	2010	NUM
fsr-3326	779	291	)	)	PUNCT
fsr-3326	779	292	unspecified	unspecified	ADJ
fsr-3326	779	293	analytical	analytical	ADJ
fsr-3326	779	294	model	model	NOUN
fsr-3326	779	295	no	no	DET
fsr-3326	779	296	explicit	explicit	ADJ
fsr-3326	779	297	measure	measure	NOUN
fsr-3326	779	298	no	no	DET
fsr-3326	779	299	explicit	explicit	ADJ
fsr-3326	779	300	measure	measure	NOUN
fsr-3326	779	301	the	the	DET
fsr-3326	779	302	value	value	NOUN
fsr-3326	779	303	of	of	ADP
fsr-3326	779	304	advice	advice	NOUN
fsr-3326	779	305	increases	increase	VERB
fsr-3326	779	306	the	the	DET
fsr-3326	779	307	more	more	ADJ
fsr-3326	779	308	of	of	ADP
fsr-3326	779	309	the	the	DET
fsr-3326	779	310	client	client	NOUN
fsr-3326	779	311	's	's	PART
fsr-3326	779	312	wealth	wealth	NOUN
fsr-3326	779	313	may	may	AUX
fsr-3326	779	314	be	be	AUX
fsr-3326	779	315	lost	lose	VERB
fsr-3326	779	316	,	,	PUNCT
fsr-3326	779	317	i.e.	i.e.	X
fsr-3326	779	318	,	,	PUNCT
fsr-3326	779	319	wealth	wealth	NOUN
fsr-3326	779	320	volatility	volatility	NOUN
fsr-3326	779	321	hershey	hershey	PROPN
fsr-3326	779	322	et	et	PROPN
fsr-3326	779	323	al	al	PROPN
fsr-3326	779	324	.	.	PROPN
fsr-3326	780	1	(	(	PUNCT
fsr-3326	780	2	1990	1990	NUM
fsr-3326	780	3	)	)	PUNCT
fsr-3326	780	4	financial	financial	ADJ
fsr-3326	780	5	planning	planning	NOUN
fsr-3326	780	6	professional	professional	NOUN
fsr-3326	780	7	,	,	PUNCT
fsr-3326	780	8	title	title	NOUN
fsr-3326	780	9	not	not	PART
fsr-3326	780	10	specified	specify	VERB
fsr-3326	780	11	lab	lab	NOUN
fsr-3326	780	12	experiment	experiment	NOUN
fsr-3326	780	13	a	a	DET
fsr-3326	780	14	combination	combination	NOUN
fsr-3326	780	15	of	of	ADP
fsr-3326	780	16	a	a	DET
fsr-3326	780	17	ten	ten	NUM
fsr-3326	780	18	-	-	PUNCT
fsr-3326	780	19	page	page	NOUN
fsr-3326	780	20	test	test	NOUN
fsr-3326	780	21	and	and	CCONJ
fsr-3326	780	22	professional	professional	ADJ
fsr-3326	780	23	functions	function	NOUN
fsr-3326	780	24	the	the	DET
fsr-3326	780	25	type	type	NOUN
fsr-3326	780	26	of	of	ADP
fsr-3326	780	27	information	information	NOUN
fsr-3326	780	28	requested	request	VERB
fsr-3326	780	29	and	and	CCONJ
fsr-3326	780	30	the	the	DET
fsr-3326	780	31	spoken	spoken	ADJ
fsr-3326	780	32	process	process	NOUN
fsr-3326	780	33	experts	expert	NOUN
fsr-3326	780	34	solved	solve	VERB
fsr-3326	780	35	the	the	DET
fsr-3326	780	36	problem	problem	NOUN
fsr-3326	780	37	in	in	ADP
fsr-3326	780	38	less	less	ADJ
fsr-3326	780	39	time	time	NOUN
fsr-3326	780	40	and	and	CCONJ
fsr-3326	780	41	in	in	ADP
fsr-3326	780	42	fewer	few	ADJ
fsr-3326	780	43	steps	step	NOUN
fsr-3326	780	44	than	than	ADP
fsr-3326	780	45	novices	novice	NOUN
fsr-3326	780	46	experts	expert	NOUN
fsr-3326	780	47	have	have	VERB
fsr-3326	780	48	a	a	DET
fsr-3326	780	49	more	more	ADV
fsr-3326	780	50	structured	structured	ADJ
fsr-3326	780	51	resolution	resolution	NOUN
fsr-3326	780	52	process	process	NOUN
fsr-3326	780	53	than	than	SCONJ
fsr-3326	780	54	novices	novice	NOUN
fsr-3326	780	55	experts	expert	NOUN
fsr-3326	780	56	select	select	VERB
fsr-3326	780	57	more	more	ADV
fsr-3326	780	58	relevant	relevant	ADJ
fsr-3326	780	59	information	information	NOUN
fsr-3326	780	60	than	than	ADP
fsr-3326	780	61	novices	novice	NOUN
fsr-3326	780	62	hershey	hershey	PROPN
fsr-3326	780	63	&	&	CCONJ
fsr-3326	780	64	walsh	walsh	PROPN
fsr-3326	780	65	(	(	PUNCT
fsr-3326	780	66	2000	2000	NUM
fsr-3326	780	67	)	)	PUNCT
fsr-3326	780	68	accountants	accountant	NOUN
fsr-3326	780	69	and	and	CCONJ
fsr-3326	780	70	financial	financial	ADJ
fsr-3326	780	71	planners	planner	NOUN
fsr-3326	780	72	lab	lab	NOUN
fsr-3326	780	73	experiment	experiment	NOUN
fsr-3326	780	74	a	a	DET
fsr-3326	780	75	combination	combination	NOUN
fsr-3326	780	76	of	of	ADP
fsr-3326	780	77	thirty	thirty	NUM
fsr-3326	780	78	-	-	PUNCT
fsr-3326	780	79	two	two	NUM
fsr-3326	780	80	questions	question	NOUN
fsr-3326	780	81	on	on	ADP
fsr-3326	780	82	the	the	DET
fsr-3326	780	83	topic	topic	NOUN
fsr-3326	780	84	the	the	DET
fsr-3326	780	85	deviation	deviation	NOUN
fsr-3326	780	86	between	between	ADP
fsr-3326	780	87	the	the	DET
fsr-3326	780	88	participants	participant	NOUN
fsr-3326	780	89	’	'	PUNCT
fsr-3326	780	90	solutions	solution	NOUN
fsr-3326	780	91	and	and	CCONJ
fsr-3326	780	92	those	those	PRON
fsr-3326	780	93	of	of	ADP
fsr-3326	780	94	an	an	DET
fsr-3326	780	95	experts	expert	NOUN
fsr-3326	780	96	’	’	PART
fsr-3326	780	97	panel	panel	NOUN
fsr-3326	780	98	individuals	individual	NOUN
fsr-3326	780	99	with	with	ADP
fsr-3326	780	100	specialized	specialized	ADJ
fsr-3326	780	101	knowledge	knowledge	NOUN
fsr-3326	780	102	select	select	VERB
fsr-3326	780	103	more	more	ADV
fsr-3326	780	104	relevant	relevant	ADJ
fsr-3326	780	105	information	information	NOUN
fsr-3326	780	106	than	than	ADP
fsr-3326	780	107	those	those	PRON
fsr-3326	780	108	with	with	ADP
fsr-3326	780	109	general	general	ADJ
fsr-3326	780	110	knowledge	knowledge	NOUN
fsr-3326	780	111	,	,	PUNCT
fsr-3326	780	112	who	who	PRON
fsr-3326	780	113	still	still	ADV
fsr-3326	780	114	select	select	VERB
fsr-3326	780	115	more	more	ADV
fsr-3326	780	116	relevant	relevant	ADJ
fsr-3326	780	117	information	information	NOUN
fsr-3326	780	118	than	than	SCONJ
fsr-3326	780	119	naïve	naïve	ADJ
fsr-3326	780	120	individuals	individual	NOUN
fsr-3326	780	121	individuals	individual	NOUN
fsr-3326	780	122	with	with	ADP
fsr-3326	780	123	specialized	specialized	ADJ
fsr-3326	780	124	knowledge	knowledge	NOUN
fsr-3326	780	125	deviate	deviate	VERB
fsr-3326	780	126	less	less	ADV
fsr-3326	780	127	from	from	ADP
fsr-3326	780	128	the	the	DET
fsr-3326	780	129	experts	expert	NOUN
fsr-3326	780	130	’	’	PART
fsr-3326	780	131	solution	solution	NOUN
fsr-3326	780	132	than	than	ADP
fsr-3326	780	133	those	those	PRON
fsr-3326	780	134	with	with	ADP
fsr-3326	780	135	general	general	ADJ
fsr-3326	780	136	knowledge	knowledge	NOUN
fsr-3326	780	137	,	,	PUNCT
fsr-3326	780	138	who	who	PRON
fsr-3326	780	139	still	still	ADV
fsr-3326	780	140	perform	perform	VERB
fsr-3326	780	141	better	well	ADV
fsr-3326	780	142	than	than	ADP
fsr-3326	780	143	naïve	naïve	ADJ
fsr-3326	780	144	individuals	individual	NOUN
fsr-3326	780	145	horn	horn	VERB
fsr-3326	780	146	et	et	NOUN
fsr-3326	780	147	al	al	PROPN
fsr-3326	780	148	.	.	PROPN
fsr-3326	781	1	(	(	PUNCT
fsr-3326	781	2	2009	2009	NUM
fsr-3326	781	3	)	)	PUNCT
fsr-3326	781	4	financial	financial	ADJ
fsr-3326	781	5	advisor	advisor	NOUN
fsr-3326	781	6	,	,	PUNCT
fsr-3326	781	7	title	title	NOUN
fsr-3326	781	8	not	not	PART
fsr-3326	781	9	specified	specify	VERB
fsr-3326	781	10	archival	archival	NOUN
fsr-3326	781	11	data	datum	NOUN
fsr-3326	781	12	no	no	DET
fsr-3326	781	13	explicit	explicit	ADJ
fsr-3326	781	14	measure	measure	NOUN
fsr-3326	781	15	,	,	PUNCT
fsr-3326	781	16	but	but	CCONJ
fsr-3326	781	17	advisors	advisor	NOUN
fsr-3326	781	18	are	be	AUX
fsr-3326	781	19	considered	consider	VERB
fsr-3326	781	20	as	as	SCONJ
fsr-3326	781	21	the	the	DET
fsr-3326	781	22	composition	composition	NOUN
fsr-3326	781	23	of	of	ADP
fsr-3326	781	24	the	the	DET
fsr-3326	781	25	asset	asset	NOUN
fsr-3326	781	26	portfolio	portfolio	NOUN
fsr-3326	781	27	investors	investor	NOUN
fsr-3326	781	28	who	who	PRON
fsr-3326	781	29	seek	seek	VERB
fsr-3326	781	30	out	out	ADP
fsr-3326	781	31	a	a	DET
fsr-3326	781	32	financial	financial	ADJ
fsr-3326	781	33	advisor	advisor	NOUN
fsr-3326	781	34	make	make	VERB
fsr-3326	781	35	better	well	ADJ
fsr-3326	781	36	investment	investment	NOUN
fsr-3326	781	37	choices	choice	NOUN
fsr-3326	781	38	pilote	pilote	X
fsr-3326	781	39	et	et	PROPN
fsr-3326	781	40	al	al	PROPN
fsr-3326	781	41	.	.	PROPN
fsr-3326	782	1	64	64	NUM
fsr-3326	782	2	professional	professional	ADJ
fsr-3326	782	3	in	in	ADP
fsr-3326	782	4	comparison	comparison	NOUN
fsr-3326	782	5	to	to	ADP
fsr-3326	782	6	their	their	PRON
fsr-3326	782	7	clients	client	NOUN
fsr-3326	782	8	hudson	hudson	PROPN
fsr-3326	782	9	&	&	CCONJ
fsr-3326	782	10	palmer	palmer	PROPN
fsr-3326	782	11	(	(	PUNCT
fsr-3326	782	12	2014	2014	NUM
fsr-3326	782	13	)	)	PUNCT
fsr-3326	782	14	financial	financial	ADJ
fsr-3326	782	15	advisor	advisor	NOUN
fsr-3326	782	16	in	in	ADP
fsr-3326	782	17	a	a	DET
fsr-3326	782	18	broad	broad	ADJ
fsr-3326	782	19	sense	sense	NOUN
fsr-3326	782	20	archival	archival	NOUN
fsr-3326	782	21	data	datum	NOUN
fsr-3326	782	22	no	no	DET
fsr-3326	782	23	explicit	explicit	ADJ
fsr-3326	782	24	measure	measure	NOUN
fsr-3326	782	25	,	,	PUNCT
fsr-3326	782	26	but	but	CCONJ
fsr-3326	782	27	advisors	advisor	NOUN
fsr-3326	782	28	are	be	AUX
fsr-3326	782	29	considered	consider	VERB
fsr-3326	782	30	as	as	ADP
fsr-3326	782	31	professional	professional	ADJ
fsr-3326	782	32	in	in	ADP
fsr-3326	782	33	comparison	comparison	NOUN
fsr-3326	782	34	to	to	ADP
fsr-3326	782	35	their	their	PRON
fsr-3326	782	36	clients	client	NOUN
fsr-3326	782	37	a	a	DET
fsr-3326	782	38	combination	combination	NOUN
fsr-3326	782	39	of	of	ADP
fsr-3326	782	40	ten	ten	NUM
fsr-3326	782	41	questions	question	NOUN
fsr-3326	782	42	on	on	ADP
fsr-3326	782	43	financial	financial	ADJ
fsr-3326	782	44	behaviors	behavior	NOUN
fsr-3326	782	45	low	low	ADJ
fsr-3326	782	46	-	-	PUNCT
fsr-3326	782	47	income	income	NOUN
fsr-3326	782	48	individuals	individual	NOUN
fsr-3326	782	49	who	who	PRON
fsr-3326	782	50	seek	seek	VERB
fsr-3326	782	51	out	out	ADP
fsr-3326	782	52	a	a	DET
fsr-3326	782	53	financial	financial	ADJ
fsr-3326	782	54	advisor	advisor	NOUN
fsr-3326	782	55	have	have	VERB
fsr-3326	782	56	better	well	ADJ
fsr-3326	782	57	savings	saving	NOUN
fsr-3326	782	58	behaviors	behavior	NOUN
fsr-3326	782	59	and	and	CCONJ
fsr-3326	782	60	better	well	ADJ
fsr-3326	782	61	budget	budget	NOUN
fsr-3326	782	62	management	management	NOUN
fsr-3326	782	63	hung	hung	PROPN
fsr-3326	782	64	&	&	CCONJ
fsr-3326	782	65	yoong	yoong	PROPN
fsr-3326	782	66	(	(	PUNCT
fsr-3326	782	67	2013	2013	NUM
fsr-3326	782	68	)	)	PUNCT
fsr-3326	782	69	financial	financial	ADJ
fsr-3326	782	70	advisor	advisor	NOUN
fsr-3326	782	71	,	,	PUNCT
fsr-3326	782	72	title	title	NOUN
fsr-3326	782	73	not	not	PART
fsr-3326	782	74	specified	specify	VERB
fsr-3326	782	75	lab	lab	NOUN
fsr-3326	782	76	experiment	experiment	NOUN
fsr-3326	782	77	and	and	CCONJ
fsr-3326	782	78	archival	archival	NOUN
fsr-3326	782	79	data	datum	NOUN
fsr-3326	782	80	no	no	DET
fsr-3326	782	81	explicit	explicit	ADJ
fsr-3326	782	82	measure	measure	NOUN
fsr-3326	782	83	,	,	PUNCT
fsr-3326	782	84	but	but	CCONJ
fsr-3326	782	85	the	the	DET
fsr-3326	782	86	presence	presence	NOUN
fsr-3326	782	87	of	of	ADP
fsr-3326	782	88	an	an	DET
fsr-3326	782	89	advisor	advisor	NOUN
fsr-3326	782	90	is	be	AUX
fsr-3326	782	91	considered	consider	VERB
fsr-3326	782	92	an	an	DET
fsr-3326	782	93	added	add	VERB
fsr-3326	782	94	value	value	NOUN
fsr-3326	782	95	the	the	DET
fsr-3326	782	96	choice	choice	NOUN
fsr-3326	782	97	of	of	ADP
fsr-3326	782	98	asset	asset	NOUN
fsr-3326	782	99	allocation	allocation	NOUN
fsr-3326	782	100	respondents	respondent	NOUN
fsr-3326	782	101	who	who	PRON
fsr-3326	782	102	seek	seek	VERB
fsr-3326	782	103	financial	financial	ADJ
fsr-3326	782	104	advice	advice	NOUN
fsr-3326	782	105	perform	perform	VERB
fsr-3326	782	106	better	well	ADV
fsr-3326	782	107	than	than	ADP
fsr-3326	782	108	those	those	PRON
fsr-3326	782	109	who	who	PRON
fsr-3326	782	110	do	do	AUX
fsr-3326	782	111	not	not	PART
fsr-3326	782	112	seek	seek	VERB
fsr-3326	782	113	advice	advice	NOUN
fsr-3326	782	114	unsolicited	unsolicite	VERB
fsr-3326	782	115	financial	financial	ADJ
fsr-3326	782	116	advice	advice	NOUN
fsr-3326	782	117	is	be	AUX
fsr-3326	782	118	not	not	PART
fsr-3326	782	119	followed	follow	VERB
fsr-3326	782	120	by	by	ADP
fsr-3326	782	121	participants	participant	NOUN
fsr-3326	782	122	in	in	ADP
fsr-3326	782	123	the	the	DET
fsr-3326	782	124	experiment	experiment	NOUN
fsr-3326	782	125	kramer	kramer	NOUN
fsr-3326	782	126	(	(	PUNCT
fsr-3326	782	127	2012	2012	NUM
fsr-3326	782	128	)	)	PUNCT
fsr-3326	782	129	financial	financial	ADJ
fsr-3326	782	130	advisor	advisor	NOUN
fsr-3326	782	131	,	,	PUNCT
fsr-3326	782	132	title	title	NOUN
fsr-3326	782	133	not	not	PART
fsr-3326	782	134	specified	specify	VERB
fsr-3326	782	135	archival	archival	NOUN
fsr-3326	782	136	data	datum	NOUN
fsr-3326	782	137	no	no	DET
fsr-3326	782	138	explicit	explicit	ADJ
fsr-3326	782	139	measure	measure	NOUN
fsr-3326	782	140	,	,	PUNCT
fsr-3326	782	141	but	but	CCONJ
fsr-3326	782	142	advisors	advisor	NOUN
fsr-3326	782	143	are	be	AUX
fsr-3326	782	144	considered	consider	VERB
fsr-3326	782	145	as	as	ADP
fsr-3326	782	146	professional	professional	ADJ
fsr-3326	782	147	in	in	ADP
fsr-3326	782	148	comparison	comparison	NOUN
fsr-3326	782	149	to	to	ADP
fsr-3326	782	150	their	their	PRON
fsr-3326	782	151	clients	client	NOUN
fsr-3326	782	152	the	the	DET
fsr-3326	782	153	performance	performance	NOUN
fsr-3326	782	154	of	of	ADP
fsr-3326	782	155	the	the	DET
fsr-3326	782	156	asset	asset	NOUN
fsr-3326	782	157	portfolio	portfolio	NOUN
fsr-3326	782	158	there	there	PRON
fsr-3326	782	159	is	be	VERB
fsr-3326	782	160	no	no	DET
fsr-3326	782	161	difference	difference	NOUN
fsr-3326	782	162	in	in	ADP
fsr-3326	782	163	riskadjusted	riskadjusted	ADJ
fsr-3326	782	164	performance	performance	NOUN
fsr-3326	782	165	between	between	ADP
fsr-3326	782	166	individuals	individual	NOUN
fsr-3326	782	167	investing	invest	VERB
fsr-3326	782	168	alone	alone	ADJ
fsr-3326	782	169	or	or	CCONJ
fsr-3326	782	170	with	with	ADP
fsr-3326	782	171	an	an	DET
fsr-3326	782	172	advisor	advisor	NOUN
fsr-3326	782	173	the	the	DET
fsr-3326	782	174	asset	asset	NOUN
fsr-3326	782	175	portfolio	portfolio	NOUN
fsr-3326	782	176	of	of	ADP
fsr-3326	782	177	clients	client	NOUN
fsr-3326	782	178	seeking	seek	VERB
fsr-3326	782	179	an	an	DET
fsr-3326	782	180	advisor	advisor	NOUN
fsr-3326	782	181	is	be	AUX
fsr-3326	782	182	better	well	ADV
fsr-3326	782	183	diversified	diversify	VERB
fsr-3326	782	184	liu	liu	PROPN
fsr-3326	782	185	et	et	PROPN
fsr-3326	782	186	al	al	PROPN
fsr-3326	782	187	.	.	PROPN
fsr-3326	783	1	(	(	PUNCT
fsr-3326	783	2	2019	2019	NUM
fsr-3326	783	3	)	)	PUNCT
fsr-3326	783	4	financial	financial	ADJ
fsr-3326	783	5	advisor	advisor	NOUN
fsr-3326	783	6	in	in	ADP
fsr-3326	783	7	a	a	DET
fsr-3326	783	8	broad	broad	ADJ
fsr-3326	783	9	sense	sense	NOUN
fsr-3326	783	10	archival	archival	NOUN
fsr-3326	783	11	data	datum	NOUN
fsr-3326	783	12	no	no	DET
fsr-3326	783	13	explicit	explicit	ADJ
fsr-3326	783	14	measure	measure	NOUN
fsr-3326	783	15	,	,	PUNCT
fsr-3326	783	16	but	but	CCONJ
fsr-3326	783	17	advisors	advisor	NOUN
fsr-3326	783	18	are	be	AUX
fsr-3326	783	19	considered	consider	VERB
fsr-3326	783	20	as	as	ADP
fsr-3326	783	21	professional	professional	ADJ
fsr-3326	783	22	in	in	ADP
fsr-3326	783	23	comparison	comparison	NOUN
fsr-3326	783	24	to	to	ADP
fsr-3326	783	25	their	their	PRON
fsr-3326	783	26	clients	client	NOUN
fsr-3326	783	27	annual	annual	ADJ
fsr-3326	783	28	investment	investment	NOUN
fsr-3326	783	29	,	,	PUNCT
fsr-3326	783	30	financial	financial	ADJ
fsr-3326	783	31	asset	asset	NOUN
fsr-3326	783	32	holdings	holding	NOUN
fsr-3326	783	33	and	and	CCONJ
fsr-3326	783	34	total	total	ADJ
fsr-3326	783	35	assets	asset	NOUN
fsr-3326	783	36	individuals	individual	NOUN
fsr-3326	783	37	who	who	PRON
fsr-3326	783	38	receive	receive	VERB
fsr-3326	783	39	financial	financial	ADJ
fsr-3326	783	40	advice	advice	NOUN
fsr-3326	783	41	hold	hold	VERB
fsr-3326	783	42	more	more	ADJ
fsr-3326	783	43	financial	financial	ADJ
fsr-3326	783	44	assets	asset	NOUN
fsr-3326	783	45	marsden	marsden	PROPN
fsr-3326	783	46	et	et	PROPN
fsr-3326	783	47	al	al	PROPN
fsr-3326	783	48	.	.	PROPN
fsr-3326	784	1	(	(	PUNCT
fsr-3326	784	2	2011	2011	NUM
fsr-3326	784	3	)	)	PUNCT
fsr-3326	784	4	financial	financial	ADJ
fsr-3326	784	5	advisor	advisor	NOUN
fsr-3326	784	6	,	,	PUNCT
fsr-3326	784	7	title	title	NOUN
fsr-3326	784	8	not	not	PART
fsr-3326	784	9	specified	specify	VERB
fsr-3326	784	10	online	online	ADJ
fsr-3326	784	11	survey	survey	NOUN
fsr-3326	784	12	no	no	DET
fsr-3326	784	13	explicit	explicit	ADJ
fsr-3326	784	14	measure	measure	NOUN
fsr-3326	784	15	,	,	PUNCT
fsr-3326	784	16	but	but	CCONJ
fsr-3326	784	17	advisors	advisor	NOUN
fsr-3326	784	18	are	be	AUX
fsr-3326	784	19	considered	consider	VERB
fsr-3326	784	20	as	as	ADP
fsr-3326	784	21	professional	professional	ADJ
fsr-3326	784	22	in	in	ADP
fsr-3326	784	23	comparison	comparison	NOUN
fsr-3326	784	24	to	to	ADP
fsr-3326	784	25	their	their	PRON
fsr-3326	784	26	clients	client	NOUN
fsr-3326	784	27	having	having	AUX
fsr-3326	784	28	established	establish	VERB
fsr-3326	784	29	long	long	ADJ
fsr-3326	784	30	-	-	PUNCT
fsr-3326	784	31	term	term	NOUN
fsr-3326	784	32	financial	financial	ADJ
fsr-3326	784	33	goals	goal	NOUN
fsr-3326	784	34	,	,	PUNCT
fsr-3326	784	35	calculating	calculate	VERB
fsr-3326	784	36	the	the	DET
fsr-3326	784	37	amount	amount	NOUN
fsr-3326	784	38	needed	need	VERB
fsr-3326	784	39	for	for	ADP
fsr-3326	784	40	retirement	retirement	NOUN
fsr-3326	784	41	or	or	CCONJ
fsr-3326	784	42	having	have	VERB
fsr-3326	784	43	an	an	DET
fsr-3326	784	44	emergency	emergency	NOUN
fsr-3326	784	45	fund	fund	NOUN
fsr-3326	784	46	respondents	respondent	NOUN
fsr-3326	784	47	who	who	PRON
fsr-3326	784	48	consult	consult	VERB
fsr-3326	784	49	a	a	DET
fsr-3326	784	50	financial	financial	ADJ
fsr-3326	784	51	advisor	advisor	NOUN
fsr-3326	784	52	have	have	VERB
fsr-3326	784	53	better	well	ADJ
fsr-3326	784	54	financial	financial	ADJ
fsr-3326	784	55	habits	habit	NOUN
fsr-3326	784	56	financial	financial	PROPN
fsr-3326	784	57	services	service	NOUN
fsr-3326	784	58	review	review	PROPN
fsr-3326	784	59	,	,	PUNCT
fsr-3326	784	60	32(3	32(3	NUM
fsr-3326	784	61	)	)	PUNCT
fsr-3326	784	62	65	65	NUM
fsr-3326	784	63	martin	martin	PROPN
fsr-3326	784	64	&	&	CCONJ
fsr-3326	784	65	finke	finke	PROPN
fsr-3326	784	66	(	(	PUNCT
fsr-3326	784	67	2014	2014	NUM
fsr-3326	784	68	)	)	PUNCT
fsr-3326	784	69	financial	financial	ADJ
fsr-3326	784	70	advisor	advisor	NOUN
fsr-3326	784	71	,	,	PUNCT
fsr-3326	784	72	title	title	NOUN
fsr-3326	784	73	not	not	PART
fsr-3326	784	74	specified	specify	VERB
fsr-3326	784	75	archival	archival	NOUN
fsr-3326	784	76	data	datum	NOUN
fsr-3326	784	77	no	no	DET
fsr-3326	784	78	explicit	explicit	ADJ
fsr-3326	784	79	measure	measure	NOUN
fsr-3326	784	80	,	,	PUNCT
fsr-3326	784	81	but	but	CCONJ
fsr-3326	784	82	advisors	advisor	NOUN
fsr-3326	784	83	are	be	AUX
fsr-3326	784	84	considered	consider	VERB
fsr-3326	784	85	as	as	ADP
fsr-3326	784	86	professional	professional	ADJ
fsr-3326	784	87	in	in	ADP
fsr-3326	784	88	comparison	comparison	NOUN
fsr-3326	784	89	to	to	ADP
fsr-3326	784	90	their	their	PRON
fsr-3326	784	91	clients	client	NOUN
fsr-3326	784	92	wealth	wealth	NOUN
fsr-3326	784	93	accumulated	accumulate	VERB
fsr-3326	784	94	for	for	ADP
fsr-3326	784	95	retirement	retirement	NOUN
fsr-3326	784	96	individuals	individual	NOUN
fsr-3326	784	97	who	who	PRON
fsr-3326	784	98	seek	seek	VERB
fsr-3326	784	99	the	the	DET
fsr-3326	784	100	help	help	NOUN
fsr-3326	784	101	of	of	ADP
fsr-3326	784	102	a	a	DET
fsr-3326	784	103	financial	financial	ADJ
fsr-3326	784	104	planner	planner	NOUN
fsr-3326	784	105	and	and	CCONJ
fsr-3326	784	106	follow	follow	VERB
fsr-3326	784	107	a	a	DET
fsr-3326	784	108	comprehensive	comprehensive	ADJ
fsr-3326	784	109	retirement	retirement	NOUN
fsr-3326	784	110	plan	plan	NOUN
fsr-3326	784	111	are	be	AUX
fsr-3326	784	112	building	build	VERB
fsr-3326	784	113	greater	great	ADJ
fsr-3326	784	114	wealth	wealth	NOUN
fsr-3326	784	115	for	for	ADP
fsr-3326	784	116	retirement	retirement	NOUN
fsr-3326	784	117	montmarquette	montmarquette	PROPN
fsr-3326	784	118	&	&	CCONJ
fsr-3326	784	119	viennot	viennot	PROPN
fsr-3326	784	120	-	-	PUNCT
fsr-3326	784	121	briot	briot	NOUN
fsr-3326	784	122	(	(	PUNCT
fsr-3326	784	123	2015	2015	NUM
fsr-3326	784	124	)	)	PUNCT
fsr-3326	784	125	financial	financial	ADJ
fsr-3326	784	126	advisor	advisor	NOUN
fsr-3326	784	127	,	,	PUNCT
fsr-3326	784	128	title	title	NOUN
fsr-3326	784	129	not	not	PART
fsr-3326	784	130	specified	specify	VERB
fsr-3326	784	131	online	online	ADJ
fsr-3326	784	132	survey	survey	NOUN
fsr-3326	784	133	no	no	DET
fsr-3326	784	134	explicit	explicit	ADJ
fsr-3326	784	135	measure	measure	NOUN
fsr-3326	784	136	,	,	PUNCT
fsr-3326	784	137	but	but	CCONJ
fsr-3326	784	138	advisors	advisor	NOUN
fsr-3326	784	139	are	be	AUX
fsr-3326	784	140	considered	consider	VERB
fsr-3326	784	141	as	as	ADP
fsr-3326	784	142	professional	professional	ADJ
fsr-3326	784	143	in	in	ADP
fsr-3326	784	144	comparison	comparison	NOUN
fsr-3326	784	145	to	to	ADP
fsr-3326	784	146	their	their	PRON
fsr-3326	784	147	clients	client	NOUN
fsr-3326	784	148	assets	asset	NOUN
fsr-3326	784	149	held	hold	VERB
fsr-3326	784	150	individuals	individual	NOUN
fsr-3326	784	151	with	with	ADP
fsr-3326	784	152	a	a	DET
fsr-3326	784	153	financial	financial	ADJ
fsr-3326	784	154	advisor	advisor	NOUN
fsr-3326	784	155	for	for	ADP
fsr-3326	784	156	a	a	DET
fsr-3326	784	157	minimum	minimum	NOUN
fsr-3326	784	158	of	of	ADP
fsr-3326	784	159	four	four	NUM
fsr-3326	784	160	years	year	NOUN
fsr-3326	784	161	have	have	VERB
fsr-3326	784	162	more	more	ADJ
fsr-3326	784	163	financial	financial	ADJ
fsr-3326	784	164	assets	asset	NOUN
fsr-3326	784	165	than	than	ADP
fsr-3326	784	166	those	those	PRON
fsr-3326	784	167	without	without	ADP
fsr-3326	784	168	an	an	DET
fsr-3326	784	169	advisor	advisor	NOUN
fsr-3326	784	170	the	the	DET
fsr-3326	784	171	influence	influence	NOUN
fsr-3326	784	172	of	of	ADP
fsr-3326	784	173	the	the	DET
fsr-3326	784	174	financial	financial	ADJ
fsr-3326	784	175	advisor	advisor	NOUN
fsr-3326	784	176	is	be	AUX
fsr-3326	784	177	primarily	primarily	ADV
fsr-3326	784	178	through	through	ADP
fsr-3326	784	179	improved	improved	ADJ
fsr-3326	784	180	client	client	NOUN
fsr-3326	784	181	savings	saving	NOUN
fsr-3326	784	182	practices	practice	NOUN
fsr-3326	784	183	montmarquette	montmarquette	NOUN
fsr-3326	784	184	&	&	CCONJ
fsr-3326	784	185	viennot	viennot	PROPN
fsr-3326	784	186	-	-	PUNCT
fsr-3326	784	187	briot	briot	NOUN
fsr-3326	784	188	(	(	PUNCT
fsr-3326	784	189	2019	2019	NUM
fsr-3326	784	190	)	)	PUNCT
fsr-3326	784	191	financial	financial	ADJ
fsr-3326	784	192	advisor	advisor	NOUN
fsr-3326	784	193	,	,	PUNCT
fsr-3326	784	194	title	title	NOUN
fsr-3326	784	195	not	not	PART
fsr-3326	784	196	specified	specify	VERB
fsr-3326	784	197	online	online	ADJ
fsr-3326	784	198	survey	survey	NOUN
fsr-3326	784	199	no	no	DET
fsr-3326	784	200	explicit	explicit	ADJ
fsr-3326	784	201	measure	measure	NOUN
fsr-3326	784	202	,	,	PUNCT
fsr-3326	784	203	but	but	CCONJ
fsr-3326	784	204	advisors	advisor	NOUN
fsr-3326	784	205	are	be	AUX
fsr-3326	784	206	considered	consider	VERB
fsr-3326	784	207	as	as	ADP
fsr-3326	784	208	professional	professional	ADJ
fsr-3326	784	209	in	in	ADP
fsr-3326	784	210	comparison	comparison	NOUN
fsr-3326	784	211	to	to	ADP
fsr-3326	784	212	their	their	PRON
fsr-3326	784	213	clients	client	NOUN
fsr-3326	784	214	assets	asset	NOUN
fsr-3326	784	215	held	hold	VERB
fsr-3326	784	216	for	for	ADP
fsr-3326	784	217	the	the	DET
fsr-3326	784	218	period	period	NOUN
fsr-3326	784	219	from	from	ADP
fsr-3326	784	220	2009	2009	NUM
fsr-3326	784	221	to	to	ADP
fsr-3326	784	222	2013	2013	NUM
fsr-3326	784	223	,	,	PUNCT
fsr-3326	784	224	individuals	individual	NOUN
fsr-3326	784	225	who	who	PRON
fsr-3326	784	226	retained	retain	VERB
fsr-3326	784	227	their	their	PRON
fsr-3326	784	228	financial	financial	ADJ
fsr-3326	784	229	advisor	advisor	NOUN
fsr-3326	784	230	saw	see	VERB
fsr-3326	784	231	the	the	DET
fsr-3326	784	232	value	value	NOUN
fsr-3326	784	233	of	of	ADP
fsr-3326	784	234	their	their	PRON
fsr-3326	784	235	assets	asset	NOUN
fsr-3326	784	236	grow	grow	VERB
fsr-3326	784	237	by	by	ADP
fsr-3326	784	238	16.4	16.4	NUM
fsr-3326	784	239	%	%	NOUN
fsr-3326	784	240	,	,	PUNCT
fsr-3326	784	241	while	while	SCONJ
fsr-3326	784	242	the	the	DET
fsr-3326	784	243	value	value	NOUN
fsr-3326	784	244	of	of	ADP
fsr-3326	784	245	assets	asset	NOUN
fsr-3326	784	246	for	for	ADP
fsr-3326	784	247	those	those	PRON
fsr-3326	784	248	who	who	PRON
fsr-3326	784	249	left	leave	VERB
fsr-3326	784	250	their	their	PRON
fsr-3326	784	251	advisor	advisor	NOUN
fsr-3326	784	252	grew	grow	VERB
fsr-3326	784	253	by	by	ADP
fsr-3326	784	254	1.7	1.7	NUM
fsr-3326	784	255	%	%	NOUN
fsr-3326	784	256	for	for	ADP
fsr-3326	784	257	the	the	DET
fsr-3326	784	258	same	same	ADJ
fsr-3326	784	259	period	period	NOUN
fsr-3326	784	260	.	.	PUNCT
fsr-3326	785	1	moreland	moreland	PROPN
fsr-3326	785	2	(	(	PUNCT
fsr-3326	785	3	2018	2018	NUM
fsr-3326	785	4	)	)	PUNCT
fsr-3326	785	5	financial	financial	ADJ
fsr-3326	785	6	advisor	advisor	NOUN
fsr-3326	785	7	in	in	ADP
fsr-3326	785	8	a	a	DET
fsr-3326	785	9	broad	broad	ADJ
fsr-3326	785	10	sense	sense	NOUN
fsr-3326	785	11	archival	archival	NOUN
fsr-3326	785	12	data	datum	NOUN
fsr-3326	785	13	no	no	DET
fsr-3326	785	14	explicit	explicit	ADJ
fsr-3326	785	15	measure	measure	NOUN
fsr-3326	785	16	,	,	PUNCT
fsr-3326	785	17	but	but	CCONJ
fsr-3326	785	18	the	the	DET
fsr-3326	785	19	presence	presence	NOUN
fsr-3326	785	20	of	of	ADP
fsr-3326	785	21	an	an	DET
fsr-3326	785	22	advisor	advisor	NOUN
fsr-3326	785	23	is	be	AUX
fsr-3326	785	24	considered	consider	VERB
fsr-3326	785	25	an	an	DET
fsr-3326	785	26	added	add	VERB
fsr-3326	785	27	value	value	NOUN
fsr-3326	785	28	financial	financial	ADJ
fsr-3326	785	29	behaviors	behavior	NOUN
fsr-3326	785	30	individuals	individual	NOUN
fsr-3326	785	31	who	who	PRON
fsr-3326	785	32	consult	consult	VERB
fsr-3326	785	33	a	a	DET
fsr-3326	785	34	financial	financial	ADJ
fsr-3326	785	35	advisor	advisor	NOUN
fsr-3326	785	36	have	have	VERB
fsr-3326	785	37	better	well	ADJ
fsr-3326	785	38	financial	financial	ADJ
fsr-3326	785	39	behaviors	behavior	NOUN
fsr-3326	785	40	,	,	PUNCT
fsr-3326	785	41	such	such	ADJ
fsr-3326	785	42	as	as	ADP
fsr-3326	785	43	holding	hold	VERB
fsr-3326	785	44	a	a	DET
fsr-3326	785	45	savings	savings	NOUN
fsr-3326	785	46	account	account	NOUN
fsr-3326	785	47	or	or	CCONJ
fsr-3326	785	48	paying	pay	VERB
fsr-3326	785	49	their	their	PRON
fsr-3326	785	50	credit	credit	NOUN
fsr-3326	785	51	card	card	NOUN
fsr-3326	785	52	on	on	ADP
fsr-3326	785	53	time	time	NOUN
fsr-3326	785	54	and	and	CCONJ
fsr-3326	785	55	in	in	ADP
fsr-3326	785	56	full	full	ADJ
fsr-3326	785	57	mountain	mountain	NOUN
fsr-3326	785	58	et	et	PROPN
fsr-3326	785	59	al	al	PROPN
fsr-3326	785	60	.	.	PROPN
fsr-3326	786	1	(	(	PUNCT
fsr-3326	786	2	2021	2021	NUM
fsr-3326	786	3	)	)	PUNCT
fsr-3326	786	4	financial	financial	ADJ
fsr-3326	786	5	advisor	advisor	NOUN
fsr-3326	786	6	,	,	PUNCT
fsr-3326	786	7	title	title	NOUN
fsr-3326	786	8	not	not	PART
fsr-3326	786	9	specified	specify	VERB
fsr-3326	786	10	online	online	ADJ
fsr-3326	786	11	survey	survey	NOUN
fsr-3326	786	12	no	no	DET
fsr-3326	786	13	explicit	explicit	ADJ
fsr-3326	786	14	measure	measure	NOUN
fsr-3326	786	15	,	,	PUNCT
fsr-3326	786	16	but	but	CCONJ
fsr-3326	786	17	the	the	DET
fsr-3326	786	18	presence	presence	NOUN
fsr-3326	786	19	of	of	ADP
fsr-3326	786	20	an	an	DET
fsr-3326	786	21	advisor	advisor	NOUN
fsr-3326	786	22	is	be	AUX
fsr-3326	786	23	considered	consider	VERB
fsr-3326	786	24	as	as	ADP
fsr-3326	786	25	a	a	DET
fsr-3326	786	26	source	source	NOUN
fsr-3326	786	27	of	of	ADP
fsr-3326	786	28	learning	learn	VERB
fsr-3326	786	29	financial	financial	ADJ
fsr-3326	786	30	behaviors	behavior	NOUN
fsr-3326	786	31	individuals	individual	NOUN
fsr-3326	786	32	who	who	PRON
fsr-3326	786	33	consult	consult	VERB
fsr-3326	786	34	a	a	DET
fsr-3326	786	35	financial	financial	ADJ
fsr-3326	786	36	advisor	advisor	NOUN
fsr-3326	786	37	have	have	VERB
fsr-3326	786	38	better	well	ADJ
fsr-3326	786	39	financial	financial	ADJ
fsr-3326	786	40	behaviors	behavior	NOUN
fsr-3326	786	41	pan	pan	VERB
fsr-3326	786	42	et	et	PROPN
fsr-3326	786	43	al	al	PROPN
fsr-3326	786	44	.	.	PROPN
fsr-3326	787	1	(	(	PUNCT
fsr-3326	787	2	2020	2020	NUM
fsr-3326	787	3	)	)	PUNCT
fsr-3326	787	4	financial	financial	ADJ
fsr-3326	787	5	advisor	advisor	NOUN
fsr-3326	787	6	,	,	PUNCT
fsr-3326	787	7	title	title	NOUN
fsr-3326	787	8	not	not	PART
fsr-3326	787	9	specified	specify	VERB
fsr-3326	787	10	archival	archival	NOUN
fsr-3326	787	11	data	datum	NOUN
fsr-3326	787	12	no	no	DET
fsr-3326	787	13	explicit	explicit	ADJ
fsr-3326	787	14	measure	measure	NOUN
fsr-3326	787	15	,	,	PUNCT
fsr-3326	787	16	but	but	CCONJ
fsr-3326	787	17	the	the	DET
fsr-3326	787	18	presence	presence	NOUN
fsr-3326	787	19	of	of	ADP
fsr-3326	787	20	an	an	DET
fsr-3326	787	21	participation	participation	NOUN
fsr-3326	787	22	in	in	ADP
fsr-3326	787	23	the	the	DET
fsr-3326	787	24	stock	stock	NOUN
fsr-3326	787	25	market	market	NOUN
fsr-3326	787	26	financial	financial	ADJ
fsr-3326	787	27	advice	advice	NOUN
fsr-3326	787	28	affects	affect	VERB
fsr-3326	787	29	stock	stock	NOUN
fsr-3326	787	30	market	market	NOUN
fsr-3326	787	31	participation	participation	NOUN
fsr-3326	787	32	for	for	ADP
fsr-3326	787	33	individuals	individual	NOUN
fsr-3326	787	34	with	with	ADP
fsr-3326	787	35	high	high	ADJ
fsr-3326	787	36	financial	financial	ADJ
fsr-3326	787	37	pilote	pilote	X
fsr-3326	787	38	et	et	PROPN
fsr-3326	787	39	al	al	PROPN
fsr-3326	787	40	.	.	PROPN
fsr-3326	788	1	66	66	NUM
fsr-3326	788	2	advisor	advisor	NOUN
fsr-3326	788	3	is	be	AUX
fsr-3326	788	4	considered	consider	VERB
fsr-3326	788	5	an	an	DET
fsr-3326	788	6	added	add	VERB
fsr-3326	788	7	value	value	NOUN
fsr-3326	788	8	literacy	literacy	NOUN
fsr-3326	788	9	and	and	CCONJ
fsr-3326	788	10	a	a	DET
fsr-3326	788	11	preference	preference	NOUN
fsr-3326	788	12	for	for	ADP
fsr-3326	788	13	diversification	diversification	NOUN
fsr-3326	788	14	park	park	NOUN
fsr-3326	788	15	&	&	CCONJ
fsr-3326	788	16	yao	yao	PROPN
fsr-3326	788	17	(	(	PUNCT
fsr-3326	788	18	2016	2016	NUM
fsr-3326	788	19	)	)	PUNCT
fsr-3326	788	20	financial	financial	ADJ
fsr-3326	788	21	advisor	advisor	NOUN
fsr-3326	788	22	in	in	ADP
fsr-3326	788	23	a	a	DET
fsr-3326	788	24	broad	broad	ADJ
fsr-3326	788	25	sense	sense	NOUN
fsr-3326	788	26	archival	archival	NOUN
fsr-3326	788	27	data	datum	NOUN
fsr-3326	788	28	no	no	DET
fsr-3326	788	29	explicit	explicit	ADJ
fsr-3326	788	30	measure	measure	NOUN
fsr-3326	788	31	,	,	PUNCT
fsr-3326	788	32	but	but	CCONJ
fsr-3326	788	33	advisors	advisor	NOUN
fsr-3326	788	34	are	be	AUX
fsr-3326	788	35	considered	consider	VERB
fsr-3326	788	36	as	as	ADP
fsr-3326	788	37	professional	professional	ADJ
fsr-3326	788	38	in	in	ADP
fsr-3326	788	39	comparison	comparison	NOUN
fsr-3326	788	40	to	to	ADP
fsr-3326	788	41	their	their	PRON
fsr-3326	788	42	clients	client	NOUN
fsr-3326	788	43	attitude	attitude	NOUN
fsr-3326	788	44	to	to	ADP
fsr-3326	788	45	risk	risk	NOUN
fsr-3326	788	46	and	and	CCONJ
fsr-3326	788	47	asset	asset	NOUN
fsr-3326	788	48	ownership	ownership	NOUN
fsr-3326	788	49	individuals	individual	NOUN
fsr-3326	788	50	who	who	PRON
fsr-3326	788	51	use	use	VERB
fsr-3326	788	52	a	a	DET
fsr-3326	788	53	financial	financial	ADJ
fsr-3326	788	54	planner	planner	NOUN
fsr-3326	788	55	are	be	AUX
fsr-3326	788	56	more	more	ADV
fsr-3326	788	57	consistent	consistent	ADJ
fsr-3326	788	58	in	in	ADP
fsr-3326	788	59	their	their	PRON
fsr-3326	788	60	risk	risk	NOUN
fsr-3326	788	61	taking	taking	NOUN
fsr-3326	788	62	and	and	CCONJ
fsr-3326	788	63	financial	financial	ADJ
fsr-3326	788	64	behaviors	behavior	NOUN
fsr-3326	788	65	shapira	shapira	PROPN
fsr-3326	788	66	&	&	CCONJ
fsr-3326	788	67	venezia	venezia	PROPN
fsr-3326	788	68	(	(	PUNCT
fsr-3326	788	69	2001	2001	NUM
fsr-3326	788	70	)	)	PUNCT
fsr-3326	788	71	financial	financial	ADJ
fsr-3326	788	72	advisor	advisor	NOUN
fsr-3326	788	73	,	,	PUNCT
fsr-3326	788	74	title	title	NOUN
fsr-3326	788	75	not	not	PART
fsr-3326	788	76	specified	specify	VERB
fsr-3326	788	77	archival	archival	NOUN
fsr-3326	788	78	data	datum	NOUN
fsr-3326	788	79	no	no	DET
fsr-3326	788	80	explicit	explicit	ADJ
fsr-3326	788	81	measure	measure	NOUN
fsr-3326	788	82	,	,	PUNCT
fsr-3326	788	83	but	but	CCONJ
fsr-3326	788	84	the	the	DET
fsr-3326	788	85	presence	presence	NOUN
fsr-3326	788	86	of	of	ADP
fsr-3326	788	87	an	an	DET
fsr-3326	788	88	advisor	advisor	NOUN
fsr-3326	788	89	is	be	AUX
fsr-3326	788	90	considered	consider	VERB
fsr-3326	788	91	a	a	DET
fsr-3326	788	92	positive	positive	ADJ
fsr-3326	788	93	influx	influx	NOUN
fsr-3326	788	94	of	of	ADP
fsr-3326	788	95	knowledge	knowledge	NOUN
fsr-3326	788	96	timing	timing	NOUN
fsr-3326	788	97	of	of	ADP
fsr-3326	788	98	transactions	transaction	NOUN
fsr-3326	788	99	,	,	PUNCT
fsr-3326	788	100	transaction	transaction	NOUN
fsr-3326	788	101	volume	volume	NOUN
fsr-3326	788	102	and	and	CCONJ
fsr-3326	788	103	yield	yield	VERB
fsr-3326	788	104	clients	client	NOUN
fsr-3326	788	105	investing	invest	VERB
fsr-3326	788	106	with	with	ADP
fsr-3326	788	107	an	an	DET
fsr-3326	788	108	advisor	advisor	NOUN
fsr-3326	788	109	make	make	VERB
fsr-3326	788	110	more	more	ADJ
fsr-3326	788	111	trades	trade	NOUN
fsr-3326	788	112	than	than	SCONJ
fsr-3326	788	113	those	those	PRON
fsr-3326	788	114	investing	invest	VERB
fsr-3326	788	115	alone	alone	ADJ
fsr-3326	788	116	clients	client	NOUN
fsr-3326	788	117	investing	invest	VERB
fsr-3326	788	118	with	with	ADP
fsr-3326	788	119	an	an	DET
fsr-3326	788	120	advisor	advisor	NOUN
fsr-3326	788	121	earn	earn	VERB
fsr-3326	788	122	a	a	DET
fsr-3326	788	123	higher	high	ADJ
fsr-3326	788	124	return	return	NOUN
fsr-3326	788	125	before	before	ADP
fsr-3326	788	126	commissions	commission	NOUN
fsr-3326	788	127	than	than	ADP
fsr-3326	788	128	those	those	PRON
fsr-3326	788	129	investing	invest	VERB
fsr-3326	788	130	alone	alone	ADV
fsr-3326	788	131	smith	smith	PROPN
fsr-3326	788	132	et	et	PROPN
fsr-3326	788	133	al	al	PROPN
fsr-3326	788	134	.	.	PROPN
fsr-3326	789	1	(	(	PUNCT
fsr-3326	789	2	2012	2012	NUM
fsr-3326	789	3	)	)	PUNCT
fsr-3326	789	4	financial	financial	ADJ
fsr-3326	789	5	advisor	advisor	NOUN
fsr-3326	789	6	,	,	PUNCT
fsr-3326	789	7	title	title	NOUN
fsr-3326	789	8	not	not	PART
fsr-3326	789	9	specified	specify	VERB
fsr-3326	789	10	archival	archival	NOUN
fsr-3326	789	11	data	datum	NOUN
fsr-3326	789	12	no	no	DET
fsr-3326	789	13	explicit	explicit	ADJ
fsr-3326	789	14	measure	measure	NOUN
fsr-3326	789	15	,	,	PUNCT
fsr-3326	789	16	but	but	CCONJ
fsr-3326	789	17	the	the	DET
fsr-3326	789	18	presence	presence	NOUN
fsr-3326	789	19	of	of	ADP
fsr-3326	789	20	an	an	DET
fsr-3326	789	21	advisor	advisor	NOUN
fsr-3326	789	22	is	be	AUX
fsr-3326	789	23	considered	consider	VERB
fsr-3326	789	24	a	a	DET
fsr-3326	789	25	positive	positive	ADJ
fsr-3326	789	26	influx	influx	NOUN
fsr-3326	789	27	of	of	ADP
fsr-3326	789	28	knowledge	knowledge	NOUN
fsr-3326	789	29	holding	hold	VERB
fsr-3326	789	30	an	an	DET
fsr-3326	789	31	individual	individual	ADJ
fsr-3326	789	32	tax	tax	NOUN
fsr-3326	789	33	-	-	PUNCT
fsr-3326	789	34	free	free	ADJ
fsr-3326	789	35	account	account	NOUN
fsr-3326	789	36	(	(	PUNCT
fsr-3326	789	37	roth	roth	PROPN
fsr-3326	789	38	ira	ira	PROPN
fsr-3326	789	39	)	)	PUNCT
fsr-3326	789	40	individuals	individual	NOUN
fsr-3326	789	41	with	with	ADP
fsr-3326	789	42	a	a	DET
fsr-3326	789	43	financial	financial	ADJ
fsr-3326	789	44	advisor	advisor	NOUN
fsr-3326	789	45	or	or	CCONJ
fsr-3326	789	46	higher	high	ADJ
fsr-3326	789	47	level	level	NOUN
fsr-3326	789	48	of	of	ADP
fsr-3326	789	49	financial	financial	ADJ
fsr-3326	789	50	literacy	literacy	NOUN
fsr-3326	789	51	are	be	AUX
fsr-3326	789	52	more	more	ADV
fsr-3326	789	53	likely	likely	ADJ
fsr-3326	789	54	to	to	PART
fsr-3326	789	55	hold	hold	VERB
fsr-3326	789	56	an	an	DET
fsr-3326	789	57	individual	individual	ADJ
fsr-3326	789	58	taxfree	taxfree	PROPN
fsr-3326	789	59	account	account	NOUN
fsr-3326	789	60	spilker	spilker	NOUN
fsr-3326	789	61	(	(	PUNCT
fsr-3326	789	62	1995	1995	NUM
fsr-3326	789	63	)	)	PUNCT
fsr-3326	789	64	tax	tax	NOUN
fsr-3326	789	65	specialists	specialist	NOUN
fsr-3326	789	66	lab	lab	NOUN
fsr-3326	789	67	experiment	experiment	NOUN
fsr-3326	789	68	a	a	DET
fsr-3326	789	69	combination	combination	NOUN
fsr-3326	789	70	of	of	ADP
fsr-3326	789	71	ten	ten	NUM
fsr-3326	789	72	questions	question	NOUN
fsr-3326	789	73	on	on	ADP
fsr-3326	789	74	the	the	DET
fsr-3326	789	75	topic	topic	NOUN
fsr-3326	789	76	the	the	DET
fsr-3326	789	77	keywords	keyword	NOUN
fsr-3326	789	78	selected	select	VERB
fsr-3326	789	79	by	by	ADP
fsr-3326	789	80	the	the	DET
fsr-3326	789	81	participants	participant	NOUN
fsr-3326	789	82	are	be	AUX
fsr-3326	789	83	compared	compare	VERB
fsr-3326	789	84	with	with	ADP
fsr-3326	789	85	those	those	PRON
fsr-3326	789	86	of	of	ADP
fsr-3326	789	87	an	an	DET
fsr-3326	789	88	experts	expert	NOUN
fsr-3326	789	89	’	’	PART
fsr-3326	789	90	panel	panel	NOUN
fsr-3326	789	91	knowledge	knowledge	NOUN
fsr-3326	789	92	positively	positively	ADV
fsr-3326	789	93	affects	affect	VERB
fsr-3326	789	94	the	the	DET
fsr-3326	789	95	number	number	NOUN
fsr-3326	789	96	of	of	ADP
fsr-3326	789	97	relevant	relevant	ADJ
fsr-3326	789	98	keywords	keyword	NOUN
fsr-3326	789	99	selected	select	VERB
fsr-3326	789	100	the	the	DET
fsr-3326	789	101	procedural	procedural	ADJ
fsr-3326	789	102	group	group	NOUN
fsr-3326	789	103	selects	select	VERB
fsr-3326	789	104	the	the	DET
fsr-3326	789	105	most	most	ADV
fsr-3326	789	106	relevant	relevant	ADJ
fsr-3326	789	107	keywords	keyword	NOUN
fsr-3326	789	108	,	,	PUNCT
fsr-3326	789	109	followed	follow	VERB
fsr-3326	789	110	by	by	ADP
fsr-3326	789	111	the	the	DET
fsr-3326	789	112	declarative	declarative	ADJ
fsr-3326	789	113	group	group	NOUN
fsr-3326	789	114	and	and	CCONJ
fsr-3326	789	115	finally	finally	ADV
fsr-3326	789	116	the	the	DET
fsr-3326	789	117	naive	naive	ADJ
fsr-3326	789	118	group	group	NOUN
fsr-3326	789	119	von	von	PROPN
fsr-3326	789	120	gaudecker	gaudecker	PROPN
fsr-3326	789	121	(	(	PUNCT
fsr-3326	789	122	2015	2015	NUM
fsr-3326	789	123	)	)	PUNCT
fsr-3326	789	124	financial	financial	ADJ
fsr-3326	789	125	advisor	advisor	NOUN
fsr-3326	789	126	,	,	PUNCT
fsr-3326	789	127	title	title	NOUN
fsr-3326	789	128	not	not	PART
fsr-3326	789	129	specified	specify	VERB
fsr-3326	789	130	archival	archival	NOUN
fsr-3326	789	131	data	datum	NOUN
fsr-3326	789	132	no	no	DET
fsr-3326	789	133	explicit	explicit	ADJ
fsr-3326	789	134	measure	measure	NOUN
fsr-3326	789	135	,	,	PUNCT
fsr-3326	789	136	but	but	CCONJ
fsr-3326	789	137	advisors	advisor	NOUN
fsr-3326	789	138	are	be	AUX
fsr-3326	789	139	considered	consider	VERB
fsr-3326	789	140	as	as	ADP
fsr-3326	789	141	professional	professional	ADJ
fsr-3326	789	142	in	in	ADP
fsr-3326	789	143	comparison	comparison	NOUN
fsr-3326	789	144	to	to	ADP
fsr-3326	789	145	their	their	PRON
fsr-3326	789	146	clients	client	NOUN
fsr-3326	789	147	the	the	DET
fsr-3326	789	148	cost	cost	NOUN
fsr-3326	789	149	of	of	ADP
fsr-3326	789	150	underdiversification	underdiversification	NOUN
fsr-3326	789	151	of	of	ADP
fsr-3326	789	152	assets	asset	NOUN
fsr-3326	789	153	individuals	individual	NOUN
fsr-3326	789	154	who	who	PRON
fsr-3326	789	155	do	do	AUX
fsr-3326	789	156	not	not	PART
fsr-3326	789	157	consult	consult	VERB
fsr-3326	789	158	a	a	DET
fsr-3326	789	159	financial	financial	ADJ
fsr-3326	789	160	advisor	advisor	NOUN
fsr-3326	789	161	or	or	CCONJ
fsr-3326	789	162	who	who	PRON
fsr-3326	789	163	do	do	AUX
fsr-3326	789	164	not	not	PART
fsr-3326	789	165	have	have	VERB
fsr-3326	789	166	a	a	DET
fsr-3326	789	167	high	high	ADJ
fsr-3326	789	168	level	level	NOUN
fsr-3326	789	169	of	of	ADP
fsr-3326	789	170	financial	financial	ADJ
fsr-3326	789	171	literacy	literacy	NOUN
fsr-3326	789	172	are	be	AUX
fsr-3326	789	173	at	at	ADP
fsr-3326	789	174	the	the	DET
fsr-3326	789	175	greatest	great	ADJ
fsr-3326	789	176	risk	risk	NOUN
fsr-3326	789	177	of	of	ADP
fsr-3326	789	178	experiencing	experience	VERB
fsr-3326	789	179	losses	loss	NOUN
fsr-3326	789	180	related	relate	VERB
fsr-3326	789	181	to	to	ADP
fsr-3326	789	182	asset	asset	NOUN
fsr-3326	789	183	underdiversification	underdiversification	NOUN
fsr-3326	789	184	financial	financial	ADJ
fsr-3326	789	185	services	service	NOUN
fsr-3326	789	186	review	review	NOUN
fsr-3326	789	187	,	,	PUNCT
fsr-3326	789	188	32(3	32(3	NUM
fsr-3326	789	189	)	)	PUNCT
fsr-3326	789	190	67	67	NUM
fsr-3326	789	191	winchester	winchester	PROPN
fsr-3326	789	192	&	&	CCONJ
fsr-3326	789	193	huston	huston	PROPN
fsr-3326	789	194	(	(	PUNCT
fsr-3326	789	195	2014	2014	NUM
fsr-3326	789	196	)	)	PUNCT
fsr-3326	789	197	financial	financial	ADJ
fsr-3326	789	198	advisor	advisor	NOUN
fsr-3326	789	199	,	,	PUNCT
fsr-3326	789	200	title	title	NOUN
fsr-3326	789	201	not	not	PART
fsr-3326	789	202	specified	specify	VERB
fsr-3326	789	203	survey	survey	NOUN
fsr-3326	789	204	no	no	DET
fsr-3326	789	205	explicit	explicit	ADJ
fsr-3326	789	206	measure	measure	NOUN
fsr-3326	789	207	,	,	PUNCT
fsr-3326	789	208	but	but	CCONJ
fsr-3326	789	209	advice	advice	NOUN
fsr-3326	789	210	comes	come	VERB
fsr-3326	789	211	from	from	ADP
fsr-3326	789	212	experts	expert	NOUN
fsr-3326	789	213	the	the	DET
fsr-3326	789	214	progress	progress	NOUN
fsr-3326	789	215	individuals	individual	NOUN
fsr-3326	789	216	felt	feel	VERB
fsr-3326	789	217	they	they	PRON
fsr-3326	789	218	had	have	AUX
fsr-3326	789	219	made	make	VERB
fsr-3326	789	220	in	in	ADP
fsr-3326	789	221	achieving	achieve	VERB
fsr-3326	789	222	their	their	PRON
fsr-3326	789	223	financial	financial	ADJ
fsr-3326	789	224	goal	goal	NOUN
fsr-3326	789	225	an	an	DET
fsr-3326	789	226	ongoing	ongoing	ADJ
fsr-3326	789	227	relationship	relationship	NOUN
fsr-3326	789	228	with	with	ADP
fsr-3326	789	229	a	a	DET
fsr-3326	789	230	financial	financial	ADJ
fsr-3326	789	231	advisor	advisor	NOUN
fsr-3326	789	232	improves	improve	VERB
fsr-3326	789	233	the	the	DET
fsr-3326	789	234	financial	financial	ADJ
fsr-3326	789	235	goal	goal	NOUN
fsr-3326	789	236	attainment	attainment	NOUN
fsr-3326	789	237	of	of	ADP
fsr-3326	789	238	individuals	individual	NOUN
fsr-3326	789	239	who	who	PRON
fsr-3326	789	240	perceive	perceive	VERB
fsr-3326	789	241	themselves	themselves	PRON
fsr-3326	789	242	to	to	PART
fsr-3326	789	243	be	be	AUX
fsr-3326	789	244	less	less	ADJ
fsr-3326	789	245	in	in	ADP
fsr-3326	789	246	control	control	PROPN
fsr-3326	789	247	winchester	winchester	PROPN
fsr-3326	789	248	&	&	CCONJ
fsr-3326	789	249	huston	huston	PROPN
fsr-3326	789	250	(	(	PUNCT
fsr-3326	789	251	2015	2015	NUM
fsr-3326	789	252	)	)	PUNCT
fsr-3326	789	253	financial	financial	ADJ
fsr-3326	789	254	advisor	advisor	NOUN
fsr-3326	789	255	,	,	PUNCT
fsr-3326	789	256	title	title	NOUN
fsr-3326	789	257	not	not	PART
fsr-3326	789	258	specified	specify	VERB
fsr-3326	789	259	survey	survey	NOUN
fsr-3326	789	260	no	no	DET
fsr-3326	789	261	explicit	explicit	ADJ
fsr-3326	789	262	measure	measure	NOUN
fsr-3326	789	263	,	,	PUNCT
fsr-3326	789	264	but	but	CCONJ
fsr-3326	789	265	advice	advice	NOUN
fsr-3326	789	266	comes	come	VERB
fsr-3326	789	267	from	from	ADP
fsr-3326	789	268	experts	expert	NOUN
fsr-3326	789	269	individuals	individual	NOUN
fsr-3326	789	270	rate	rate	VERB
fsr-3326	789	271	their	their	PRON
fsr-3326	789	272	performance	performance	NOUN
fsr-3326	789	273	in	in	ADP
fsr-3326	789	274	accumulating	accumulate	VERB
fsr-3326	789	275	wealth	wealth	NOUN
fsr-3326	789	276	,	,	PUNCT
fsr-3326	789	277	preventing	prevent	VERB
fsr-3326	789	278	losses	loss	NOUN
fsr-3326	789	279	,	,	PUNCT
fsr-3326	789	280	and	and	CCONJ
fsr-3326	789	281	smoothing	smooth	VERB
fsr-3326	789	282	consumption	consumption	NOUN
fsr-3326	789	283	middle	middle	ADJ
fsr-3326	789	284	-	-	PUNCT
fsr-3326	789	285	class	class	NOUN
fsr-3326	789	286	individuals	individual	NOUN
fsr-3326	789	287	who	who	PRON
fsr-3326	789	288	receive	receive	VERB
fsr-3326	789	289	integrated	integrate	VERB
fsr-3326	789	290	financial	financial	ADJ
fsr-3326	789	291	advice	advice	NOUN
fsr-3326	789	292	are	be	AUX
fsr-3326	789	293	3	3	NUM
fsr-3326	789	294	times	time	NOUN
fsr-3326	789	295	more	more	ADV
fsr-3326	789	296	ready	ready	ADJ
fsr-3326	789	297	for	for	ADP
fsr-3326	789	298	retirement	retirement	NOUN
fsr-3326	789	299	,	,	PUNCT
fsr-3326	789	300	2	2	NUM
fsr-3326	789	301	times	time	NOUN
fsr-3326	789	302	more	more	ADV
fsr-3326	789	303	able	able	ADJ
fsr-3326	789	304	to	to	PART
fsr-3326	789	305	use	use	VERB
fsr-3326	789	306	their	their	PRON
fsr-3326	789	307	benefits	benefit	NOUN
fsr-3326	789	308	,	,	PUNCT
fsr-3326	789	309	and	and	CCONJ
fsr-3326	789	310	nearly	nearly	ADV
fsr-3326	789	311	2	2	NUM
fsr-3326	789	312	times	time	NOUN
fsr-3326	789	313	more	more	ADV
fsr-3326	789	314	likely	likely	ADJ
fsr-3326	789	315	to	to	PART
fsr-3326	789	316	have	have	VERB
fsr-3326	789	317	an	an	DET
fsr-3326	789	318	emergency	emergency	NOUN
fsr-3326	789	319	fund	fund	NOUN
fsr-3326	789	320	winchester	winchester	PROPN
fsr-3326	789	321	et	et	PROPN
fsr-3326	789	322	al	al	PROPN
fsr-3326	789	323	.	.	PROPN
fsr-3326	790	1	(	(	PUNCT
fsr-3326	790	2	2011	2011	NUM
fsr-3326	790	3	)	)	PUNCT
fsr-3326	790	4	financial	financial	ADJ
fsr-3326	790	5	advisor	advisor	NOUN
fsr-3326	790	6	,	,	PUNCT
fsr-3326	790	7	title	title	NOUN
fsr-3326	790	8	not	not	PART
fsr-3326	790	9	specified	specify	VERB
fsr-3326	790	10	survey	survey	NOUN
fsr-3326	790	11	no	no	DET
fsr-3326	790	12	explicit	explicit	ADJ
fsr-3326	790	13	measure	measure	NOUN
fsr-3326	790	14	,	,	PUNCT
fsr-3326	790	15	but	but	CCONJ
fsr-3326	790	16	advice	advice	NOUN
fsr-3326	790	17	comes	come	VERB
fsr-3326	790	18	from	from	ADP
fsr-3326	790	19	experts	expert	NOUN
fsr-3326	790	20	long	long	ADJ
fsr-3326	790	21	-	-	PUNCT
fsr-3326	790	22	term	term	NOUN
fsr-3326	790	23	commitment	commitment	NOUN
fsr-3326	790	24	to	to	ADP
fsr-3326	790	25	a	a	DET
fsr-3326	790	26	financial	financial	ADJ
fsr-3326	790	27	goal	goal	NOUN
fsr-3326	790	28	individuals	individual	NOUN
fsr-3326	790	29	who	who	PRON
fsr-3326	790	30	consult	consult	VERB
fsr-3326	790	31	a	a	DET
fsr-3326	790	32	financial	financial	ADJ
fsr-3326	790	33	advisor	advisor	NOUN
fsr-3326	790	34	have	have	VERB
fsr-3326	790	35	a	a	DET
fsr-3326	790	36	greater	great	ADJ
fsr-3326	790	37	long	long	ADJ
fsr-3326	790	38	-	-	PUNCT
fsr-3326	790	39	term	term	NOUN
fsr-3326	790	40	commitment	commitment	NOUN
fsr-3326	790	41	to	to	ADP
fsr-3326	790	42	their	their	PRON
fsr-3326	790	43	financial	financial	ADJ
fsr-3326	790	44	goals	goal	NOUN
fsr-3326	790	45	,	,	PUNCT
fsr-3326	790	46	i.e.	i.e.	X
fsr-3326	790	47	,	,	PUNCT
fsr-3326	790	48	they	they	PRON
fsr-3326	790	49	rebalance	rebalance	VERB
fsr-3326	790	50	their	their	PRON
fsr-3326	790	51	portfolio	portfolio	NOUN
fsr-3326	790	52	more	more	ADJ
fsr-3326	790	53	zhang	zhang	PROPN
fsr-3326	790	54	(	(	PUNCT
fsr-3326	790	55	2014	2014	NUM
fsr-3326	790	56	)	)	PUNCT
fsr-3326	790	57	authorized	authorize	VERB
fsr-3326	790	58	financial	financial	ADJ
fsr-3326	790	59	adviser	adviser	NOUN
fsr-3326	790	60	(	(	PUNCT
fsr-3326	790	61	afa	afa	PROPN
fsr-3326	790	62	)	)	PUNCT
fsr-3326	790	63	archival	archival	NOUN
fsr-3326	790	64	data	datum	NOUN
fsr-3326	790	65	no	no	DET
fsr-3326	790	66	explicit	explicit	ADJ
fsr-3326	790	67	measure	measure	NOUN
fsr-3326	790	68	,	,	PUNCT
fsr-3326	790	69	but	but	CCONJ
fsr-3326	790	70	advice	advice	NOUN
fsr-3326	790	71	comes	come	VERB
fsr-3326	790	72	from	from	ADP
fsr-3326	790	73	experts	expert	NOUN
fsr-3326	790	74	annual	annual	ADJ
fsr-3326	790	75	return	return	NOUN
fsr-3326	790	76	on	on	ADP
fsr-3326	790	77	investment	investment	NOUN
fsr-3326	790	78	and	and	CCONJ
fsr-3326	790	79	asset	asset	NOUN
fsr-3326	790	80	allocation	allocation	NOUN
fsr-3326	790	81	the	the	DET
fsr-3326	790	82	return	return	NOUN
fsr-3326	790	83	on	on	ADP
fsr-3326	790	84	investment	investment	NOUN
fsr-3326	790	85	of	of	ADP
fsr-3326	790	86	individuals	individual	NOUN
fsr-3326	790	87	receiving	receive	VERB
fsr-3326	790	88	financial	financial	ADJ
fsr-3326	790	89	advice	advice	NOUN
fsr-3326	790	90	is	be	AUX
fsr-3326	790	91	not	not	PART
fsr-3326	790	92	significantly	significantly	ADV
fsr-3326	790	93	higher	high	ADJ
fsr-3326	790	94	than	than	ADP
fsr-3326	790	95	that	that	PRON
fsr-3326	790	96	of	of	ADP
fsr-3326	790	97	individuals	individual	NOUN
fsr-3326	790	98	investing	invest	VERB
fsr-3326	790	99	alone	alone	ADJ
fsr-3326	790	100	individuals	individual	NOUN
fsr-3326	790	101	receiving	receive	VERB
fsr-3326	790	102	financial	financial	ADJ
fsr-3326	790	103	advice	advice	NOUN
fsr-3326	790	104	hold	hold	VERB
fsr-3326	790	105	more	more	ADJ
fsr-3326	790	106	risky	risky	ADJ
fsr-3326	790	107	assets	asset	NOUN
fsr-3326	790	108	(	(	PUNCT
fsr-3326	790	109	stocks	stock	NOUN
fsr-3326	790	110	and	and	CCONJ
fsr-3326	790	111	property	property	NOUN
fsr-3326	790	112	)	)	PUNCT
fsr-3326	790	113	than	than	ADP
fsr-3326	790	114	individuals	individual	NOUN
fsr-3326	790	115	investing	invest	VERB
fsr-3326	790	116	alone	alone	ADV