id	sid	tid	token	lemma	pos
fsr-3355	1	1	financial	financial	PROPN
fsr-3355	1	2	services	service	NOUN
fsr-3355	1	3	review	review	NOUN
fsr-3355	1	4	,	,	PUNCT
fsr-3355	1	5	32(4	32(4	NUM
fsr-3355	1	6	)	)	PUNCT
fsr-3355	1	7	27	27	NUM
fsr-3355	1	8	racial	racial	ADJ
fsr-3355	1	9	/	/	SYM
fsr-3355	1	10	ethnic	ethnic	ADJ
fsr-3355	1	11	disparities	disparity	NOUN
fsr-3355	1	12	in	in	ADP
fsr-3355	1	13	financial	financial	ADJ
fsr-3355	1	14	advice	advice	NOUN
fsr-3355	1	15	seeking	seeking	NOUN
fsr-3355	1	16	:	:	PUNCT
fsr-3355	2	1	a	a	DET
fsr-3355	2	2	decomposition	decomposition	NOUN
fsr-3355	2	3	analysis	analysis	NOUN
fsr-3355	2	4	di	di	X
fsr-3355	2	5	qing1	qing1	PROPN
fsr-3355	2	6	and	and	CCONJ
fsr-3355	2	7	miranda	miranda	PROPN
fsr-3355	2	8	reiter2	reiter2	PROPN
fsr-3355	2	9	abstract	abstract	ADJ
fsr-3355	2	10	financial	financial	ADJ
fsr-3355	2	11	advice	advice	NOUN
fsr-3355	2	12	seeking	seek	VERB
fsr-3355	2	13	is	be	AUX
fsr-3355	2	14	associated	associate	VERB
fsr-3355	2	15	with	with	ADP
fsr-3355	2	16	many	many	ADJ
fsr-3355	2	17	positive	positive	ADJ
fsr-3355	2	18	benefits	benefit	NOUN
fsr-3355	2	19	for	for	ADP
fsr-3355	2	20	consumers	consumer	NOUN
fsr-3355	2	21	.	.	PUNCT
fsr-3355	3	1	yet	yet	ADV
fsr-3355	3	2	,	,	PUNCT
fsr-3355	3	3	most	most	ADJ
fsr-3355	3	4	u.s	u.s	PROPN
fsr-3355	3	5	.	.	PROPN
fsr-3355	3	6	households	household	NOUN
fsr-3355	3	7	are	be	AUX
fsr-3355	3	8	not	not	PART
fsr-3355	3	9	working	work	VERB
fsr-3355	3	10	with	with	ADP
fsr-3355	3	11	a	a	DET
fsr-3355	3	12	financial	financial	ADJ
fsr-3355	3	13	planner	planner	NOUN
fsr-3355	3	14	and	and	CCONJ
fsr-3355	3	15	research	research	NOUN
fsr-3355	3	16	has	have	AUX
fsr-3355	3	17	pointed	point	VERB
fsr-3355	3	18	to	to	ADP
fsr-3355	3	19	the	the	DET
fsr-3355	3	20	lack	lack	NOUN
fsr-3355	3	21	of	of	ADP
fsr-3355	3	22	racial	racial	ADJ
fsr-3355	3	23	and	and	CCONJ
fsr-3355	3	24	ethnic	ethnic	ADJ
fsr-3355	3	25	diversity	diversity	NOUN
fsr-3355	3	26	among	among	ADP
fsr-3355	3	27	those	those	PRON
fsr-3355	3	28	who	who	PRON
fsr-3355	3	29	do	do	VERB
fsr-3355	3	30	.	.	PUNCT
fsr-3355	4	1	this	this	DET
fsr-3355	4	2	study	study	NOUN
fsr-3355	4	3	examines	examine	VERB
fsr-3355	4	4	racial	racial	ADJ
fsr-3355	4	5	/	/	SYM
fsr-3355	4	6	ethnic	ethnic	ADJ
fsr-3355	4	7	disparities	disparity	NOUN
fsr-3355	4	8	in	in	ADP
fsr-3355	4	9	using	use	VERB
fsr-3355	4	10	a	a	DET
fsr-3355	4	11	financial	financial	ADJ
fsr-3355	4	12	planner	planner	NOUN
fsr-3355	4	13	.	.	PUNCT
fsr-3355	5	1	logistic	logistic	ADJ
fsr-3355	5	2	regression	regression	NOUN
fsr-3355	5	3	analyses	analysis	NOUN
fsr-3355	5	4	show	show	VERB
fsr-3355	5	5	that	that	SCONJ
fsr-3355	5	6	black	black	ADJ
fsr-3355	5	7	and	and	CCONJ
fsr-3355	5	8	white	white	ADJ
fsr-3355	5	9	consumers	consumer	NOUN
fsr-3355	5	10	are	be	AUX
fsr-3355	5	11	more	more	ADV
fsr-3355	5	12	likely	likely	ADJ
fsr-3355	5	13	than	than	ADP
fsr-3355	5	14	asian	asian	ADJ
fsr-3355	5	15	and	and	CCONJ
fsr-3355	5	16	hispanic	hispanic	ADJ
fsr-3355	5	17	consumers	consumer	NOUN
fsr-3355	5	18	to	to	PART
fsr-3355	5	19	use	use	VERB
fsr-3355	5	20	financial	financial	ADJ
fsr-3355	5	21	planners	planner	NOUN
fsr-3355	5	22	for	for	ADP
fsr-3355	5	23	saving	saving	NOUN
fsr-3355	5	24	and	and	CCONJ
fsr-3355	5	25	investment	investment	NOUN
fsr-3355	5	26	decisions	decision	NOUN
fsr-3355	5	27	.	.	PUNCT
fsr-3355	6	1	a	a	DET
fsr-3355	6	2	fairlie	fairlie	PROPN
fsr-3355	6	3	decomposition	decomposition	NOUN
fsr-3355	6	4	analysis	analysis	NOUN
fsr-3355	6	5	shows	show	VERB
fsr-3355	6	6	racial	racial	ADJ
fsr-3355	6	7	/	/	SYM
fsr-3355	6	8	ethnic	ethnic	ADJ
fsr-3355	6	9	differences	difference	NOUN
fsr-3355	6	10	among	among	ADP
fsr-3355	6	11	the	the	DET
fsr-3355	6	12	determinants	determinant	NOUN
fsr-3355	6	13	that	that	PRON
fsr-3355	6	14	are	be	AUX
fsr-3355	6	15	associated	associate	VERB
fsr-3355	6	16	with	with	ADP
fsr-3355	6	17	financial	financial	ADJ
fsr-3355	6	18	advice	advice	NOUN
fsr-3355	6	19	seeking	seeking	NOUN
fsr-3355	6	20	.	.	PUNCT
fsr-3355	7	1	the	the	DET
fsr-3355	7	2	differences	difference	NOUN
fsr-3355	7	3	in	in	ADP
fsr-3355	7	4	the	the	DET
fsr-3355	7	5	determinants	determinant	NOUN
fsr-3355	7	6	were	be	AUX
fsr-3355	7	7	large	large	ADJ
fsr-3355	7	8	between	between	ADP
fsr-3355	7	9	white	white	ADJ
fsr-3355	7	10	and	and	CCONJ
fsr-3355	7	11	hispanic	hispanic	ADJ
fsr-3355	7	12	consumers	consumer	NOUN
fsr-3355	7	13	and	and	CCONJ
fsr-3355	7	14	much	much	ADV
fsr-3355	7	15	narrower	narrow	ADJ
fsr-3355	7	16	between	between	ADP
fsr-3355	7	17	black	black	ADJ
fsr-3355	7	18	and	and	CCONJ
fsr-3355	7	19	hispanic	hispanic	ADJ
fsr-3355	7	20	consumers	consumer	NOUN
fsr-3355	7	21	.	.	PUNCT
fsr-3355	8	1	risk	risk	NOUN
fsr-3355	8	2	tolerance	tolerance	NOUN
fsr-3355	8	3	,	,	PUNCT
fsr-3355	8	4	objective	objective	ADJ
fsr-3355	8	5	financial	financial	ADJ
fsr-3355	8	6	knowledge	knowledge	NOUN
fsr-3355	8	7	,	,	PUNCT
fsr-3355	8	8	and	and	CCONJ
fsr-3355	8	9	income	income	NOUN
fsr-3355	8	10	were	be	AUX
fsr-3355	8	11	the	the	DET
fsr-3355	8	12	most	most	ADV
fsr-3355	8	13	important	important	ADJ
fsr-3355	8	14	determinants	determinant	NOUN
fsr-3355	8	15	to	to	PART
fsr-3355	8	16	explain	explain	VERB
fsr-3355	8	17	racial	racial	ADJ
fsr-3355	8	18	/	/	SYM
fsr-3355	8	19	ethnic	ethnic	ADJ
fsr-3355	8	20	differences	difference	NOUN
fsr-3355	8	21	in	in	ADP
fsr-3355	8	22	financial	financial	ADJ
fsr-3355	8	23	planner	planner	NOUN
fsr-3355	8	24	use	use	NOUN
fsr-3355	8	25	.	.	PUNCT
fsr-3355	9	1	this	this	DET
fsr-3355	9	2	study	study	NOUN
fsr-3355	9	3	provides	provide	VERB
fsr-3355	9	4	insight	insight	NOUN
fsr-3355	9	5	into	into	ADP
fsr-3355	9	6	possible	possible	ADJ
fsr-3355	9	7	barriers	barrier	NOUN
fsr-3355	9	8	to	to	ADP
fsr-3355	9	9	working	work	VERB
fsr-3355	9	10	with	with	ADP
fsr-3355	9	11	financial	financial	ADJ
fsr-3355	9	12	planners	planner	NOUN
fsr-3355	9	13	for	for	ADP
fsr-3355	9	14	a	a	DET
fsr-3355	9	15	diverse	diverse	ADJ
fsr-3355	9	16	group	group	NOUN
fsr-3355	9	17	of	of	ADP
fsr-3355	9	18	consumers	consumer	NOUN
fsr-3355	9	19	.	.	PUNCT
fsr-3355	10	1	creative	creative	ADJ
fsr-3355	10	2	commons	commons	PROPN
fsr-3355	10	3	license	license	NOUN
fsr-3355	10	4	this	this	DET
fsr-3355	10	5	work	work	NOUN
fsr-3355	10	6	is	be	AUX
fsr-3355	10	7	licensed	license	VERB
fsr-3355	10	8	under	under	ADP
fsr-3355	10	9	a	a	DET
fsr-3355	10	10	creative	creative	ADJ
fsr-3355	10	11	commons	common	NOUN
fsr-3355	10	12	attribution	attribution	NOUN
fsr-3355	10	13	-	-	PUNCT
fsr-3355	10	14	noncommercial	noncommercial	ADJ
fsr-3355	10	15	4.0	4.0	NUM
fsr-3355	10	16	license	license	NOUN
fsr-3355	10	17	recommended	recommend	VERB
fsr-3355	10	18	citation	citation	NOUN
fsr-3355	10	19	qing	qing	PROPN
fsr-3355	10	20	,	,	PUNCT
fsr-3355	10	21	d.	d.	PROPN
fsr-3355	10	22	,	,	PUNCT
fsr-3355	10	23	&	&	CCONJ
fsr-3355	10	24	reiter	reiter	PROPN
fsr-3355	10	25	,	,	PUNCT
fsr-3355	10	26	m.	m.	NOUN
fsr-3355	10	27	(	(	PUNCT
fsr-3355	10	28	2024	2024	NUM
fsr-3355	10	29	)	)	PUNCT
fsr-3355	10	30	.	.	PUNCT
fsr-3355	11	1	racial	racial	ADJ
fsr-3355	11	2	/	/	SYM
fsr-3355	11	3	ethnic	ethnic	ADJ
fsr-3355	11	4	disparities	disparity	NOUN
fsr-3355	11	5	in	in	ADP
fsr-3355	11	6	financial	financial	ADJ
fsr-3355	11	7	advice	advice	NOUN
fsr-3355	11	8	seeking	seeking	NOUN
fsr-3355	11	9	:	:	PUNCT
fsr-3355	11	10	a	a	DET
fsr-3355	11	11	decomposition	decomposition	NOUN
fsr-3355	11	12	analysis	analysis	NOUN
fsr-3355	11	13	.	.	PUNCT
fsr-3355	12	1	financial	financial	ADJ
fsr-3355	12	2	services	service	NOUN
fsr-3355	12	3	review	review	PROPN
fsr-3355	12	4	,	,	PUNCT
fsr-3355	12	5	32(4	32(4	NUM
fsr-3355	12	6	)	)	PUNCT
fsr-3355	12	7	,	,	PUNCT
fsr-3355	12	8	27	27	NUM
fsr-3355	12	9	-	-	SYM
fsr-3355	12	10	50	50	NUM
fsr-3355	12	11	.	.	PUNCT
fsr-3355	13	1	introduction	introduction	NOUN
fsr-3355	13	2	there	there	PRON
fsr-3355	13	3	is	be	VERB
fsr-3355	13	4	a	a	DET
fsr-3355	13	5	growing	grow	VERB
fsr-3355	13	6	demand	demand	NOUN
fsr-3355	13	7	for	for	ADP
fsr-3355	13	8	financial	financial	ADJ
fsr-3355	13	9	planners	planner	NOUN
fsr-3355	13	10	(	(	PUNCT
fsr-3355	13	11	u.s	u.s	PROPN
fsr-3355	13	12	.	.	PROPN
fsr-3355	13	13	bureau	bureau	PROPN
fsr-3355	13	14	of	of	ADP
fsr-3355	13	15	labor	labor	PROPN
fsr-3355	13	16	statistics	statistic	NOUN
fsr-3355	13	17	,	,	PUNCT
fsr-3355	13	18	2023	2023	NUM
fsr-3355	13	19	)	)	PUNCT
fsr-3355	13	20	as	as	SCONJ
fsr-3355	13	21	financial	financial	ADJ
fsr-3355	13	22	advice	advice	NOUN
fsr-3355	13	23	is	be	AUX
fsr-3355	13	24	becoming	become	VERB
fsr-3355	13	25	more	more	ADV
fsr-3355	13	26	important	important	ADJ
fsr-3355	13	27	to	to	PART
fsr-3355	13	28	ensure	ensure	VERB
fsr-3355	13	29	the	the	DET
fsr-3355	13	30	success	success	NOUN
fsr-3355	13	31	of	of	ADP
fsr-3355	13	32	long	long	ADJ
fsr-3355	13	33	-	-	PUNCT
fsr-3355	13	34	term	term	NOUN
fsr-3355	13	35	financial	financial	ADJ
fsr-3355	13	36	goals	goal	NOUN
fsr-3355	13	37	for	for	ADP
fsr-3355	13	38	consumers	consumer	NOUN
fsr-3355	13	39	in	in	ADP
fsr-3355	13	40	the	the	DET
fsr-3355	13	41	united	united	PROPN
fsr-3355	13	42	states	states	PROPN
fsr-3355	13	43	(	(	PUNCT
fsr-3355	13	44	harlow	harlow	PROPN
fsr-3355	13	45	et	et	PROPN
fsr-3355	13	46	al	al	PROPN
fsr-3355	13	47	.	.	PROPN
fsr-3355	13	48	,	,	PUNCT
fsr-3355	13	49	2020	2020	NUM
fsr-3355	13	50	)	)	PUNCT
fsr-3355	13	51	.	.	PUNCT
fsr-3355	14	1	financial	financial	ADJ
fsr-3355	14	2	advice	advice	NOUN
fsr-3355	14	3	is	be	AUX
fsr-3355	14	4	particularly	particularly	ADV
fsr-3355	14	5	important	important	ADJ
fsr-3355	14	6	given	give	VERB
fsr-3355	14	7	the	the	DET
fsr-3355	14	8	change	change	NOUN
fsr-3355	14	9	in	in	ADP
fsr-3355	14	10	the	the	DET
fsr-3355	14	11	types	type	NOUN
fsr-3355	14	12	of	of	ADP
fsr-3355	14	13	employersponsored	employersponsored	ADJ
fsr-3355	14	14	retirement	retirement	NOUN
fsr-3355	14	15	plans	plan	NOUN
fsr-3355	14	16	offered	offer	VERB
fsr-3355	14	17	to	to	ADP
fsr-3355	14	18	workers	worker	NOUN
fsr-3355	14	19	.	.	PUNCT
fsr-3355	15	1	over	over	ADP
fsr-3355	15	2	the	the	DET
fsr-3355	15	3	past	past	ADJ
fsr-3355	15	4	few	few	ADJ
fsr-3355	15	5	decades	decade	NOUN
fsr-3355	15	6	,	,	PUNCT
fsr-3355	15	7	the	the	DET
fsr-3355	15	8	industry	industry	NOUN
fsr-3355	15	9	has	have	AUX
fsr-3355	15	10	gradually	gradually	ADV
fsr-3355	15	11	shifted	shift	VERB
fsr-3355	15	12	from	from	ADP
fsr-3355	15	13	offering	offer	VERB
fsr-3355	15	14	employees	employee	NOUN
fsr-3355	15	15	defined	define	VERB
fsr-3355	15	16	benefit	benefit	NOUN
fsr-3355	15	17	plans	plan	NOUN
fsr-3355	15	18	to	to	PART
fsr-3355	15	19	defined	define	VERB
fsr-3355	15	20	contribution	contribution	NOUN
fsr-3355	15	21	1	1	NUM
fsr-3355	15	22	corresponding	correspond	VERB
fsr-3355	15	23	author	author	NOUN
fsr-3355	15	24	(	(	PUNCT
fsr-3355	15	25	dzq0007@auburn.edu	dzq0007@auburn.edu	PROPN
fsr-3355	15	26	)	)	PUNCT
fsr-3355	15	27	.	.	PUNCT
fsr-3355	16	1	auburn	auburn	PROPN
fsr-3355	16	2	university	university	PROPN
fsr-3355	16	3	,	,	PUNCT
fsr-3355	16	4	auburn	auburn	NOUN
fsr-3355	16	5	,	,	PUNCT
fsr-3355	16	6	usa	usa	PROPN
fsr-3355	16	7	2	2	NUM
fsr-3355	16	8	texas	texas	PROPN
fsr-3355	16	9	tech	tech	PROPN
fsr-3355	16	10	university	university	PROPN
fsr-3355	16	11	,	,	PUNCT
fsr-3355	16	12	lubbock	lubbock	PROPN
fsr-3355	16	13	,	,	PUNCT
fsr-3355	16	14	texas	texas	PROPN
fsr-3355	16	15	,	,	PUNCT
fsr-3355	16	16	usa	usa	PROPN
fsr-3355	16	17	plans	plan	NOUN
fsr-3355	16	18	(	(	PUNCT
fsr-3355	16	19	estreicher	estreicher	NOUN
fsr-3355	16	20	&	&	CCONJ
fsr-3355	16	21	gold	gold	NOUN
fsr-3355	16	22	,	,	PUNCT
fsr-3355	16	23	2007	2007	NUM
fsr-3355	16	24	;	;	PUNCT
fsr-3355	16	25	myers	myers	PROPN
fsr-3355	16	26	&	&	CCONJ
fsr-3355	16	27	topoleski	topoleski	PROPN
fsr-3355	16	28	,	,	PUNCT
fsr-3355	16	29	2021	2021	NUM
fsr-3355	16	30	)	)	PUNCT
fsr-3355	16	31	.	.	PUNCT
fsr-3355	17	1	in	in	ADP
fsr-3355	17	2	1975	1975	NUM
fsr-3355	17	3	,	,	PUNCT
fsr-3355	17	4	27.2	27.2	NUM
fsr-3355	17	5	million	million	NUM
fsr-3355	17	6	private	private	ADJ
fsr-3355	17	7	sector	sector	NOUN
fsr-3355	17	8	employees	employee	NOUN
fsr-3355	17	9	reported	report	VERB
fsr-3355	17	10	having	having	AUX
fsr-3355	17	11	defined	define	VERB
fsr-3355	17	12	benefit	benefit	NOUN
fsr-3355	17	13	plans	plan	NOUN
fsr-3355	17	14	,	,	PUNCT
fsr-3355	17	15	whereas	whereas	SCONJ
fsr-3355	17	16	11.2	11.2	NUM
fsr-3355	17	17	million	million	NUM
fsr-3355	17	18	reported	report	VERB
fsr-3355	17	19	having	have	VERB
fsr-3355	17	20	defined	define	VERB
fsr-3355	17	21	contribution	contribution	NOUN
fsr-3355	17	22	plans	plan	NOUN
fsr-3355	17	23	.	.	PUNCT
fsr-3355	18	1	by	by	ADP
fsr-3355	18	2	2021	2021	NUM
fsr-3355	18	3	,	,	PUNCT
fsr-3355	18	4	less	less	ADJ
fsr-3355	18	5	than	than	ADP
fsr-3355	18	6	15	15	NUM
fsr-3355	18	7	million	million	NUM
fsr-3355	18	8	employees	employee	NOUN
fsr-3355	18	9	reported	report	VERB
fsr-3355	18	10	having	having	AUX
fsr-3355	18	11	defined	define	VERB
fsr-3355	18	12	benefit	benefit	NOUN
fsr-3355	18	13	plans	plan	NOUN
fsr-3355	18	14	,	,	PUNCT
fsr-3355	18	15	and	and	CCONJ
fsr-3355	18	16	over	over	ADP
fsr-3355	18	17	85	85	NUM
fsr-3355	18	18	million	million	NUM
fsr-3355	18	19	reported	report	VERB
fsr-3355	18	20	defined	define	VERB
fsr-3355	18	21	contribution	contribution	NOUN
fsr-3355	18	22	plans	plan	NOUN
fsr-3355	18	23	(	(	PUNCT
fsr-3355	18	24	myers	myers	PROPN
fsr-3355	18	25	&	&	CCONJ
fsr-3355	18	26	topoleski	topoleski	PROPN
fsr-3355	18	27	,	,	PUNCT
fsr-3355	18	28	2021	2021	NUM
fsr-3355	18	29	)	)	PUNCT
fsr-3355	18	30	.	.	PUNCT
fsr-3355	19	1	as	as	ADP
fsr-3355	19	2	a	a	DET
fsr-3355	19	3	result	result	NOUN
fsr-3355	19	4	,	,	PUNCT
fsr-3355	19	5	responsibility	responsibility	NOUN
fsr-3355	19	6	for	for	ADP
fsr-3355	19	7	funding	fund	VERB
fsr-3355	19	8	employee	employee	NOUN
fsr-3355	19	9	retirement	retirement	NOUN
fsr-3355	19	10	plans	plan	NOUN
fsr-3355	19	11	has	have	AUX
fsr-3355	19	12	shifted	shift	VERB
fsr-3355	19	13	from	from	ADP
fsr-3355	19	14	the	the	DET
fsr-3355	19	15	employer	employer	NOUN
fsr-3355	19	16	to	to	ADP
fsr-3355	19	17	the	the	DET
fsr-3355	19	18	employee	employee	NOUN
fsr-3355	19	19	.	.	PUNCT
fsr-3355	20	1	one	one	NUM
fsr-3355	20	2	unintended	unintended	ADJ
fsr-3355	20	3	consequence	consequence	NOUN
fsr-3355	20	4	of	of	ADP
fsr-3355	20	5	this	this	DET
fsr-3355	20	6	shift	shift	NOUN
fsr-3355	20	7	is	be	AUX
fsr-3355	20	8	lower	low	ADJ
fsr-3355	20	9	levels	level	NOUN
fsr-3355	20	10	of	of	ADP
fsr-3355	20	11	retirement	retirement	NOUN
fsr-3355	20	12	preparedness	preparedness	NOUN
fsr-3355	20	13	.	.	PUNCT
fsr-3355	21	1	munnell	munnell	VERB
fsr-3355	21	2	and	and	CCONJ
fsr-3355	21	3	suden	suden	ADJ
fsr-3355	21	4	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	DET
fsr-3355	21	5	mailto:dzq0007@auburn.edu	mailto:dzq0007@auburn.edu	NOUN
fsr-3355	21	6	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-3355	21	7	financial	financial	ADJ
fsr-3355	21	8	services	service	NOUN
fsr-3355	21	9	review	review	NOUN
fsr-3355	21	10	,	,	PUNCT
fsr-3355	21	11	32(4	32(4	NUM
fsr-3355	21	12	)	)	PUNCT
fsr-3355	21	13	28	28	NUM
fsr-3355	21	14	(	(	PUNCT
fsr-3355	21	15	2006	2006	NUM
fsr-3355	21	16	)	)	PUNCT
fsr-3355	21	17	note	note	VERB
fsr-3355	21	18	that	that	SCONJ
fsr-3355	21	19	employees	employee	NOUN
fsr-3355	21	20	with	with	ADP
fsr-3355	21	21	401(k	401(k	NOUN
fsr-3355	21	22	)	)	PUNCT
fsr-3355	21	23	contribution	contribution	NOUN
fsr-3355	21	24	plans	plan	NOUN
fsr-3355	21	25	will	will	AUX
fsr-3355	21	26	likely	likely	ADV
fsr-3355	21	27	have	have	VERB
fsr-3355	21	28	a	a	DET
fsr-3355	21	29	shortfall	shortfall	NOUN
fsr-3355	21	30	in	in	ADP
fsr-3355	21	31	retirement	retirement	NOUN
fsr-3355	21	32	assets	asset	NOUN
fsr-3355	21	33	.	.	PUNCT
fsr-3355	22	1	the	the	DET
fsr-3355	22	2	authors	author	NOUN
fsr-3355	22	3	note	note	VERB
fsr-3355	22	4	that	that	SCONJ
fsr-3355	22	5	this	this	DET
fsr-3355	22	6	shortfall	shortfall	NOUN
fsr-3355	22	7	may	may	AUX
fsr-3355	22	8	be	be	AUX
fsr-3355	22	9	possibly	possibly	ADV
fsr-3355	22	10	due	due	ADJ
fsr-3355	22	11	to	to	ADP
fsr-3355	22	12	the	the	DET
fsr-3355	22	13	fact	fact	NOUN
fsr-3355	22	14	that	that	SCONJ
fsr-3355	22	15	employees	employee	NOUN
fsr-3355	22	16	are	be	AUX
fsr-3355	22	17	now	now	ADV
fsr-3355	22	18	faced	face	VERB
fsr-3355	22	19	with	with	ADP
fsr-3355	22	20	multiple	multiple	ADJ
fsr-3355	22	21	investment	investment	NOUN
fsr-3355	22	22	decisions	decision	NOUN
fsr-3355	22	23	,	,	PUNCT
fsr-3355	22	24	such	such	ADJ
fsr-3355	22	25	as	as	ADP
fsr-3355	22	26	diversification	diversification	NOUN
fsr-3355	22	27	and	and	CCONJ
fsr-3355	22	28	rebalancing	rebalancing	NOUN
fsr-3355	22	29	(	(	PUNCT
fsr-3355	22	30	munnell	munnell	PROPN
fsr-3355	22	31	&	&	CCONJ
fsr-3355	22	32	suden	suden	PROPN
fsr-3355	22	33	,	,	PUNCT
fsr-3355	22	34	2006	2006	NUM
fsr-3355	22	35	)	)	PUNCT
fsr-3355	22	36	.	.	PUNCT
fsr-3355	23	1	many	many	ADJ
fsr-3355	23	2	of	of	ADP
fsr-3355	23	3	these	these	DET
fsr-3355	23	4	decisions	decision	NOUN
fsr-3355	23	5	,	,	PUNCT
fsr-3355	23	6	which	which	PRON
fsr-3355	23	7	traditionally	traditionally	ADV
fsr-3355	23	8	fall	fall	VERB
fsr-3355	23	9	on	on	ADP
fsr-3355	23	10	employers	employer	NOUN
fsr-3355	23	11	,	,	PUNCT
fsr-3355	23	12	can	can	AUX
fsr-3355	23	13	leave	leave	VERB
fsr-3355	23	14	employees	employee	NOUN
fsr-3355	23	15	feeling	feel	VERB
fsr-3355	23	16	unequipped	unequipped	ADJ
fsr-3355	23	17	to	to	PART
fsr-3355	23	18	make	make	VERB
fsr-3355	23	19	the	the	DET
fsr-3355	23	20	right	right	ADJ
fsr-3355	23	21	choices	choice	NOUN
fsr-3355	23	22	.	.	PUNCT
fsr-3355	24	1	financial	financial	ADJ
fsr-3355	24	2	advice	advice	NOUN
fsr-3355	24	3	can	can	AUX
fsr-3355	24	4	help	help	VERB
fsr-3355	24	5	consumers	consumer	NOUN
fsr-3355	24	6	improve	improve	VERB
fsr-3355	24	7	savings	saving	NOUN
fsr-3355	24	8	behavior	behavior	NOUN
fsr-3355	24	9	(	(	PUNCT
fsr-3355	24	10	liu	liu	PROPN
fsr-3355	24	11	et	et	PROPN
fsr-3355	24	12	al	al	PROPN
fsr-3355	24	13	.	.	PROPN
fsr-3355	24	14	,	,	PUNCT
fsr-3355	24	15	2019	2019	NUM
fsr-3355	24	16	)	)	PUNCT
fsr-3355	24	17	,	,	PUNCT
fsr-3355	24	18	stock	stock	NOUN
fsr-3355	24	19	market	market	NOUN
fsr-3355	24	20	expectations	expectation	NOUN
fsr-3355	24	21	(	(	PUNCT
fsr-3355	24	22	reiter	reiter	PROPN
fsr-3355	24	23	&	&	CCONJ
fsr-3355	24	24	seay	seay	PROPN
fsr-3355	24	25	,	,	PUNCT
fsr-3355	24	26	2022	2022	NUM
fsr-3355	24	27	)	)	PUNCT
fsr-3355	24	28	,	,	PUNCT
fsr-3355	24	29	investment	investment	NOUN
fsr-3355	24	30	outcomes	outcome	NOUN
fsr-3355	24	31	(	(	PUNCT
fsr-3355	24	32	gaudecker	gaudecker	NOUN
fsr-3355	24	33	,	,	PUNCT
fsr-3355	24	34	2015	2015	NUM
fsr-3355	24	35	)	)	PUNCT
fsr-3355	24	36	,	,	PUNCT
fsr-3355	24	37	asset	asset	NOUN
fsr-3355	24	38	allocation	allocation	NOUN
fsr-3355	24	39	(	(	PUNCT
fsr-3355	24	40	marsden	marsden	PROPN
fsr-3355	24	41	et	et	PROPN
fsr-3355	24	42	al	al	PROPN
fsr-3355	24	43	.	.	PROPN
fsr-3355	24	44	,	,	PUNCT
fsr-3355	24	45	2011	2011	NUM
fsr-3355	24	46	)	)	PUNCT
fsr-3355	24	47	,	,	PUNCT
fsr-3355	24	48	and	and	CCONJ
fsr-3355	24	49	the	the	DET
fsr-3355	24	50	value	value	NOUN
fsr-3355	24	51	of	of	ADP
fsr-3355	24	52	their	their	PRON
fsr-3355	24	53	assets	asset	NOUN
fsr-3355	24	54	(	(	PUNCT
fsr-3355	24	55	goetz	goetz	PROPN
fsr-3355	24	56	et	et	PROPN
fsr-3355	24	57	al	al	PROPN
fsr-3355	24	58	.	.	PROPN
fsr-3355	24	59	,	,	PUNCT
fsr-3355	24	60	2020	2020	NUM
fsr-3355	24	61	;	;	PUNCT
fsr-3355	24	62	montmarquette	montmarquette	PROPN
fsr-3355	24	63	&	&	CCONJ
fsr-3355	24	64	viennot	viennot	PROPN
fsr-3355	24	65	-	-	PUNCT
fsr-3355	24	66	briot	briot	NOUN
fsr-3355	24	67	,	,	PUNCT
fsr-3355	24	68	2015	2015	NUM
fsr-3355	24	69	)	)	PUNCT
fsr-3355	24	70	.	.	PUNCT
fsr-3355	25	1	specifically	specifically	ADV
fsr-3355	25	2	for	for	ADP
fsr-3355	25	3	long	long	ADJ
fsr-3355	25	4	-	-	PUNCT
fsr-3355	25	5	term	term	NOUN
fsr-3355	25	6	goals	goal	NOUN
fsr-3355	25	7	,	,	PUNCT
fsr-3355	25	8	financial	financial	ADJ
fsr-3355	25	9	planners	planner	NOUN
fsr-3355	25	10	,	,	PUNCT
fsr-3355	25	11	when	when	SCONJ
fsr-3355	25	12	compared	compare	VERB
fsr-3355	25	13	to	to	ADP
fsr-3355	25	14	other	other	ADJ
fsr-3355	25	15	financial	financial	ADJ
fsr-3355	25	16	professionals	professional	NOUN
fsr-3355	25	17	,	,	PUNCT
fsr-3355	25	18	play	play	VERB
fsr-3355	25	19	a	a	DET
fsr-3355	25	20	more	more	ADV
fsr-3355	25	21	important	important	ADJ
fsr-3355	25	22	role	role	NOUN
fsr-3355	25	23	in	in	ADP
fsr-3355	25	24	helping	help	VERB
fsr-3355	25	25	clients	client	NOUN
fsr-3355	25	26	(	(	PUNCT
fsr-3355	25	27	kim	kim	PROPN
fsr-3355	25	28	et	et	PROPN
fsr-3355	25	29	al	al	PROPN
fsr-3355	25	30	.	.	PROPN
fsr-3355	25	31	,	,	PUNCT
fsr-3355	25	32	2018	2018	NUM
fsr-3355	25	33	)	)	PUNCT
fsr-3355	25	34	.	.	PUNCT
fsr-3355	26	1	as	as	ADP
fsr-3355	26	2	such	such	ADJ
fsr-3355	26	3	,	,	PUNCT
fsr-3355	26	4	a	a	DET
fsr-3355	26	5	financial	financial	ADJ
fsr-3355	26	6	planner	planner	NOUN
fsr-3355	26	7	may	may	AUX
fsr-3355	26	8	serve	serve	VERB
fsr-3355	26	9	as	as	ADP
fsr-3355	26	10	an	an	DET
fsr-3355	26	11	invaluable	invaluable	ADJ
fsr-3355	26	12	resource	resource	NOUN
fsr-3355	26	13	for	for	ADP
fsr-3355	26	14	increasing	increase	VERB
fsr-3355	26	15	the	the	DET
fsr-3355	26	16	overall	overall	ADJ
fsr-3355	26	17	financial	financial	ADJ
fsr-3355	26	18	wellbeing	wellbeing	NOUN
fsr-3355	26	19	of	of	ADP
fsr-3355	26	20	consumers	consumer	NOUN
fsr-3355	26	21	as	as	ADV
fsr-3355	26	22	well	well	ADV
fsr-3355	26	23	as	as	ADP
fsr-3355	26	24	preparing	prepare	VERB
fsr-3355	26	25	a	a	DET
fsr-3355	26	26	diverse	diverse	ADJ
fsr-3355	26	27	group	group	NOUN
fsr-3355	26	28	of	of	ADP
fsr-3355	26	29	clients	client	NOUN
fsr-3355	26	30	for	for	ADP
fsr-3355	26	31	long	long	ADJ
fsr-3355	26	32	-	-	PUNCT
fsr-3355	26	33	term	term	NOUN
fsr-3355	26	34	financial	financial	ADJ
fsr-3355	26	35	success	success	NOUN
fsr-3355	26	36	.	.	PUNCT
fsr-3355	27	1	non	non	ADJ
fsr-3355	27	2	-	-	ADJ
fsr-3355	27	3	white	white	ADJ
fsr-3355	27	4	consumers	consumer	NOUN
fsr-3355	27	5	may	may	AUX
fsr-3355	27	6	face	face	VERB
fsr-3355	27	7	unique	unique	ADJ
fsr-3355	27	8	financial	financial	ADJ
fsr-3355	27	9	challenges	challenge	NOUN
fsr-3355	27	10	that	that	PRON
fsr-3355	27	11	make	make	VERB
fsr-3355	27	12	financial	financial	ADJ
fsr-3355	27	13	planning	planning	NOUN
fsr-3355	27	14	even	even	ADV
fsr-3355	27	15	more	more	ADV
fsr-3355	27	16	relevant	relevant	ADJ
fsr-3355	27	17	to	to	ADP
fsr-3355	27	18	addressing	address	VERB
fsr-3355	27	19	their	their	PRON
fsr-3355	27	20	needs	need	NOUN
fsr-3355	27	21	.	.	PUNCT
fsr-3355	28	1	for	for	ADP
fsr-3355	28	2	black	black	ADJ
fsr-3355	28	3	consumers	consumer	NOUN
fsr-3355	28	4	,	,	PUNCT
fsr-3355	28	5	given	give	VERB
fsr-3355	28	6	historical	historical	ADJ
fsr-3355	28	7	events	event	NOUN
fsr-3355	28	8	and	and	CCONJ
fsr-3355	28	9	systemic	systemic	ADJ
fsr-3355	28	10	challenges	challenge	NOUN
fsr-3355	28	11	,	,	PUNCT
fsr-3355	28	12	there	there	PRON
fsr-3355	28	13	are	be	VERB
fsr-3355	28	14	considerable	considerable	ADJ
fsr-3355	28	15	financial	financial	ADJ
fsr-3355	28	16	barriers	barrier	NOUN
fsr-3355	28	17	and	and	CCONJ
fsr-3355	28	18	constraints	constraint	NOUN
fsr-3355	28	19	compared	compare	VERB
fsr-3355	28	20	to	to	ADP
fsr-3355	28	21	their	their	PRON
fsr-3355	28	22	white	white	ADJ
fsr-3355	28	23	peers	peer	NOUN
fsr-3355	28	24	(	(	PUNCT
fsr-3355	28	25	craemer	craemer	NOUN
fsr-3355	28	26	et	et	PROPN
fsr-3355	28	27	al	al	PROPN
fsr-3355	28	28	.	.	PROPN
fsr-3355	28	29	,	,	PUNCT
fsr-3355	28	30	2020	2020	NUM
fsr-3355	28	31	)	)	PUNCT
fsr-3355	28	32	.	.	PUNCT
fsr-3355	29	1	for	for	ADP
fsr-3355	29	2	example	example	NOUN
fsr-3355	29	3	,	,	PUNCT
fsr-3355	29	4	black	black	ADJ
fsr-3355	29	5	consumers	consumer	NOUN
fsr-3355	29	6	report	report	VERB
fsr-3355	29	7	the	the	DET
fsr-3355	29	8	lowest	low	ADJ
fsr-3355	29	9	median	median	ADJ
fsr-3355	29	10	household	household	NOUN
fsr-3355	29	11	wealth	wealth	NOUN
fsr-3355	29	12	when	when	SCONJ
fsr-3355	29	13	compared	compare	VERB
fsr-3355	29	14	to	to	ADP
fsr-3355	29	15	other	other	ADJ
fsr-3355	29	16	racial	racial	ADJ
fsr-3355	29	17	/	/	SYM
fsr-3355	29	18	ethnic	ethnic	ADJ
fsr-3355	29	19	groups	group	NOUN
fsr-3355	29	20	(	(	PUNCT
fsr-3355	29	21	aladangady	aladangady	PROPN
fsr-3355	29	22	et	et	PROPN
fsr-3355	29	23	al	al	PROPN
fsr-3355	29	24	.	.	PROPN
fsr-3355	29	25	,	,	PUNCT
fsr-3355	29	26	2023	2023	NUM
fsr-3355	29	27	)	)	PUNCT
fsr-3355	29	28	and	and	CCONJ
fsr-3355	29	29	have	have	VERB
fsr-3355	29	30	lower	low	ADJ
fsr-3355	29	31	ownership	ownership	NOUN
fsr-3355	29	32	than	than	ADP
fsr-3355	29	33	white	white	ADJ
fsr-3355	29	34	consumers	consumer	NOUN
fsr-3355	29	35	in	in	ADP
fsr-3355	29	36	high	high	ADJ
fsr-3355	29	37	-	-	PUNCT
fsr-3355	29	38	return	return	NOUN
fsr-3355	29	39	investments	investment	NOUN
fsr-3355	29	40	such	such	ADJ
fsr-3355	29	41	as	as	ADP
fsr-3355	29	42	stocks	stock	NOUN
fsr-3355	29	43	,	,	PUNCT
fsr-3355	29	44	real	real	ADJ
fsr-3355	29	45	estate	estate	NOUN
fsr-3355	29	46	,	,	PUNCT
fsr-3355	29	47	and	and	CCONJ
fsr-3355	29	48	business	business	NOUN
fsr-3355	29	49	assets	asset	NOUN
fsr-3355	29	50	(	(	PUNCT
fsr-3355	29	51	hanna	hanna	PROPN
fsr-3355	29	52	et	et	PROPN
fsr-3355	29	53	al	al	PROPN
fsr-3355	29	54	.	.	PROPN
fsr-3355	29	55	,	,	PUNCT
fsr-3355	29	56	2010	2010	NUM
fsr-3355	29	57	)	)	PUNCT
fsr-3355	29	58	.	.	PUNCT
fsr-3355	30	1	black	black	ADJ
fsr-3355	30	2	households	household	NOUN
fsr-3355	30	3	are	be	AUX
fsr-3355	30	4	also	also	ADV
fsr-3355	30	5	more	more	ADV
fsr-3355	30	6	susceptible	susceptible	ADJ
fsr-3355	30	7	to	to	ADP
fsr-3355	30	8	economic	economic	ADJ
fsr-3355	30	9	shocks	shock	NOUN
fsr-3355	30	10	,	,	PUNCT
fsr-3355	30	11	such	such	ADJ
fsr-3355	30	12	as	as	ADP
fsr-3355	30	13	the	the	DET
fsr-3355	30	14	great	great	ADJ
fsr-3355	30	15	recession	recession	NOUN
fsr-3355	30	16	than	than	ADP
fsr-3355	30	17	white	white	ADJ
fsr-3355	30	18	households	household	NOUN
fsr-3355	30	19	,	,	PUNCT
fsr-3355	30	20	which	which	PRON
fsr-3355	30	21	may	may	AUX
fsr-3355	30	22	decrease	decrease	VERB
fsr-3355	30	23	retirement	retirement	NOUN
fsr-3355	30	24	preparedness	preparedness	NOUN
fsr-3355	30	25	(	(	PUNCT
fsr-3355	30	26	wolff	wolff	NOUN
fsr-3355	30	27	,	,	PUNCT
fsr-3355	30	28	2023	2023	NUM
fsr-3355	30	29	)	)	PUNCT
fsr-3355	30	30	.	.	PUNCT
fsr-3355	31	1	in	in	ADP
fsr-3355	31	2	addition	addition	NOUN
fsr-3355	31	3	,	,	PUNCT
fsr-3355	31	4	black	black	ADJ
fsr-3355	31	5	consumers	consumer	NOUN
fsr-3355	31	6	have	have	AUX
fsr-3355	31	7	historically	historically	ADV
fsr-3355	31	8	had	have	VERB
fsr-3355	31	9	lower	low	ADJ
fsr-3355	31	10	retirement	retirement	NOUN
fsr-3355	31	11	plan	plan	NOUN
fsr-3355	31	12	participation	participation	NOUN
fsr-3355	31	13	than	than	ADP
fsr-3355	31	14	whites	white	NOUN
fsr-3355	31	15	(	(	PUNCT
fsr-3355	31	16	porto	porto	PROPN
fsr-3355	31	17	,	,	PUNCT
fsr-3355	31	18	2016	2016	NUM
fsr-3355	31	19	)	)	PUNCT
fsr-3355	31	20	.	.	PUNCT
fsr-3355	32	1	similarly	similarly	ADV
fsr-3355	32	2	,	,	PUNCT
fsr-3355	32	3	research	research	NOUN
fsr-3355	32	4	on	on	ADP
fsr-3355	32	5	hispanic	hispanic	ADJ
fsr-3355	32	6	households	household	NOUN
fsr-3355	32	7	has	have	AUX
fsr-3355	32	8	found	find	VERB
fsr-3355	32	9	that	that	SCONJ
fsr-3355	32	10	they	they	PRON
fsr-3355	32	11	have	have	VERB
fsr-3355	32	12	lower	low	ADJ
fsr-3355	32	13	retirement	retirement	NOUN
fsr-3355	32	14	preparedness	preparedness	NOUN
fsr-3355	32	15	than	than	ADP
fsr-3355	32	16	white	white	ADJ
fsr-3355	32	17	households	household	NOUN
fsr-3355	32	18	.	.	PUNCT
fsr-3355	33	1	blanco	blanco	PROPN
fsr-3355	33	2	et	et	PROPN
fsr-3355	33	3	al	al	PROPN
fsr-3355	33	4	.	.	PROPN
fsr-3355	34	1	(	(	PUNCT
fsr-3355	34	2	2017	2017	NUM
fsr-3355	34	3	)	)	PUNCT
fsr-3355	34	4	posit	posit	VERB
fsr-3355	34	5	that	that	SCONJ
fsr-3355	34	6	this	this	PRON
fsr-3355	34	7	is	be	AUX
fsr-3355	34	8	partially	partially	ADV
fsr-3355	34	9	attributed	attribute	VERB
fsr-3355	34	10	to	to	ADP
fsr-3355	34	11	hispanic	hispanic	ADJ
fsr-3355	34	12	consumers	consumer	NOUN
fsr-3355	34	13	’	'	PUNCT
fsr-3355	34	14	plans	plan	VERB
fsr-3355	34	15	to	to	PART
fsr-3355	34	16	continue	continue	VERB
fsr-3355	34	17	working	work	VERB
fsr-3355	34	18	rather	rather	ADV
fsr-3355	34	19	than	than	ADP
fsr-3355	34	20	retire	retire	VERB
fsr-3355	34	21	,	,	PUNCT
fsr-3355	34	22	which	which	PRON
fsr-3355	34	23	could	could	AUX
fsr-3355	34	24	be	be	AUX
fsr-3355	34	25	attributed	attribute	VERB
fsr-3355	34	26	to	to	ADP
fsr-3355	34	27	lower	low	ADJ
fsr-3355	34	28	savings	saving	NOUN
fsr-3355	34	29	rates	rate	NOUN
fsr-3355	34	30	during	during	ADP
fsr-3355	34	31	working	working	ADJ
fsr-3355	34	32	years	year	NOUN
fsr-3355	34	33	or	or	CCONJ
fsr-3355	34	34	a	a	DET
fsr-3355	34	35	lack	lack	NOUN
fsr-3355	34	36	of	of	ADP
fsr-3355	34	37	retirement	retirement	NOUN
fsr-3355	34	38	savings	saving	NOUN
fsr-3355	34	39	.	.	PUNCT
fsr-3355	35	1	moreover	moreover	ADV
fsr-3355	35	2	,	,	PUNCT
fsr-3355	35	3	hispanic	hispanic	ADJ
fsr-3355	35	4	consumers	consumer	NOUN
fsr-3355	35	5	may	may	AUX
fsr-3355	35	6	feel	feel	VERB
fsr-3355	35	7	greater	great	ADJ
fsr-3355	35	8	financial	financial	ADJ
fsr-3355	35	9	responsibility	responsibility	NOUN
fsr-3355	35	10	towards	towards	ADP
fsr-3355	35	11	their	their	PRON
fsr-3355	35	12	families	family	NOUN
fsr-3355	35	13	.	.	PUNCT
fsr-3355	36	1	for	for	ADP
fsr-3355	36	2	example	example	NOUN
fsr-3355	36	3	,	,	PUNCT
fsr-3355	36	4	hispanic	hispanic	ADJ
fsr-3355	36	5	individuals	individual	NOUN
fsr-3355	36	6	report	report	VERB
fsr-3355	36	7	a	a	DET
fsr-3355	36	8	greater	great	ADJ
fsr-3355	36	9	tendency	tendency	NOUN
fsr-3355	36	10	than	than	SCONJ
fsr-3355	36	11	non	non	ADJ
fsr-3355	36	12	-	-	ADJ
fsr-3355	36	13	hispanic	hispanic	ADJ
fsr-3355	36	14	individuals	individual	NOUN
fsr-3355	36	15	to	to	PART
fsr-3355	36	16	financially	financially	ADV
fsr-3355	36	17	support	support	VERB
fsr-3355	36	18	family	family	NOUN
fsr-3355	36	19	abroad	abroad	ADV
fsr-3355	36	20	through	through	ADP
fsr-3355	36	21	remittances	remittance	NOUN
fsr-3355	36	22	(	(	PUNCT
fsr-3355	36	23	lópez	lópez	NOUN
fsr-3355	36	24	-	-	PUNCT
fsr-3355	36	25	anuarbe	anuarbe	NOUN
fsr-3355	36	26	et	et	PROPN
fsr-3355	36	27	al	al	PROPN
fsr-3355	36	28	.	.	PROPN
fsr-3355	36	29	,	,	PUNCT
fsr-3355	36	30	2016	2016	NUM
fsr-3355	36	31	)	)	PUNCT
fsr-3355	36	32	.	.	PUNCT
fsr-3355	37	1	similarly	similarly	ADV
fsr-3355	37	2	,	,	PUNCT
fsr-3355	37	3	some	some	DET
fsr-3355	37	4	asian	asian	ADJ
fsr-3355	37	5	consumers	consumer	NOUN
fsr-3355	37	6	face	face	VERB
fsr-3355	37	7	familyoriented	familyoriente	VERB
fsr-3355	37	8	financial	financial	ADJ
fsr-3355	37	9	pressures	pressure	NOUN
fsr-3355	37	10	,	,	PUNCT
fsr-3355	37	11	such	such	ADJ
fsr-3355	37	12	as	as	ADP
fsr-3355	37	13	supporting	support	VERB
fsr-3355	37	14	aging	age	VERB
fsr-3355	37	15	parents	parent	NOUN
fsr-3355	37	16	(	(	PUNCT
fsr-3355	37	17	merril	merril	NOUN
fsr-3355	37	18	,	,	PUNCT
fsr-3355	37	19	2023a	2023a	NUM
fsr-3355	37	20	)	)	PUNCT
fsr-3355	37	21	.	.	PUNCT
fsr-3355	38	1	while	while	SCONJ
fsr-3355	38	2	the	the	DET
fsr-3355	38	3	literature	literature	NOUN
fsr-3355	38	4	is	be	AUX
fsr-3355	38	5	scant	scant	ADJ
fsr-3355	38	6	on	on	ADP
fsr-3355	38	7	the	the	DET
fsr-3355	38	8	experience	experience	NOUN
fsr-3355	38	9	of	of	ADP
fsr-3355	38	10	asian	asian	ADJ
fsr-3355	38	11	americans	americans	PROPN
fsr-3355	38	12	in	in	ADP
fsr-3355	38	13	financial	financial	ADJ
fsr-3355	38	14	services	service	NOUN
fsr-3355	38	15	(	(	PUNCT
fsr-3355	38	16	hanna	hanna	PROPN
fsr-3355	38	17	et	et	PROPN
fsr-3355	38	18	al	al	PROPN
fsr-3355	38	19	.	.	PROPN
fsr-3355	38	20	,	,	PUNCT
fsr-3355	38	21	2015	2015	NUM
fsr-3355	38	22	)	)	PUNCT
fsr-3355	38	23	,	,	PUNCT
fsr-3355	38	24	asian	asian	ADJ
fsr-3355	38	25	consumers	consumer	NOUN
fsr-3355	38	26	generally	generally	ADV
fsr-3355	38	27	have	have	VERB
fsr-3355	38	28	lower	low	ADJ
fsr-3355	38	29	risk	risk	NOUN
fsr-3355	38	30	tolerances	tolerance	NOUN
fsr-3355	38	31	,	,	PUNCT
fsr-3355	38	32	higher	high	ADJ
fsr-3355	38	33	levels	level	NOUN
fsr-3355	38	34	of	of	ADP
fsr-3355	38	35	aversion	aversion	NOUN
fsr-3355	38	36	towards	towards	ADP
fsr-3355	38	37	debt	debt	NOUN
fsr-3355	38	38	,	,	PUNCT
fsr-3355	38	39	and	and	CCONJ
fsr-3355	38	40	a	a	DET
fsr-3355	38	41	greater	great	ADJ
fsr-3355	38	42	sense	sense	NOUN
fsr-3355	38	43	of	of	ADP
fsr-3355	38	44	self	self	NOUN
fsr-3355	38	45	-	-	PUNCT
fsr-3355	38	46	reliance	reliance	NOUN
fsr-3355	38	47	compared	compare	VERB
fsr-3355	38	48	to	to	ADP
fsr-3355	38	49	consumers	consumer	NOUN
fsr-3355	38	50	from	from	ADP
fsr-3355	38	51	other	other	ADJ
fsr-3355	38	52	racial	racial	ADJ
fsr-3355	38	53	/	/	SYM
fsr-3355	38	54	ethnic	ethnic	ADJ
fsr-3355	38	55	backgrounds	background	NOUN
fsr-3355	38	56	(	(	PUNCT
fsr-3355	38	57	merril	merril	NOUN
fsr-3355	38	58	,	,	PUNCT
fsr-3355	38	59	2023a	2023a	NUM
fsr-3355	38	60	)	)	PUNCT
fsr-3355	38	61	.	.	PUNCT
fsr-3355	39	1	however	however	ADV
fsr-3355	39	2	,	,	PUNCT
fsr-3355	39	3	there	there	PRON
fsr-3355	39	4	is	be	VERB
fsr-3355	39	5	evidence	evidence	NOUN
fsr-3355	39	6	that	that	SCONJ
fsr-3355	39	7	asian	asian	ADJ
fsr-3355	39	8	consumers	consumer	NOUN
fsr-3355	39	9	save	save	VERB
fsr-3355	39	10	for	for	ADP
fsr-3355	39	11	retirement	retirement	NOUN
fsr-3355	39	12	on	on	ADP
fsr-3355	39	13	par	par	NOUN
fsr-3355	39	14	with	with	ADP
fsr-3355	39	15	white	white	ADJ
fsr-3355	39	16	consumers	consumer	NOUN
fsr-3355	39	17	,	,	PUNCT
fsr-3355	39	18	which	which	PRON
fsr-3355	39	19	is	be	AUX
fsr-3355	39	20	higher	high	ADJ
fsr-3355	39	21	than	than	ADP
fsr-3355	39	22	that	that	PRON
fsr-3355	39	23	of	of	ADP
fsr-3355	39	24	black	black	ADJ
fsr-3355	39	25	and	and	CCONJ
fsr-3355	39	26	hispanic	hispanic	ADJ
fsr-3355	39	27	consumers	consumer	NOUN
fsr-3355	39	28	(	(	PUNCT
fsr-3355	39	29	yao	yao	NOUN
fsr-3355	39	30	,	,	PUNCT
fsr-3355	39	31	2016	2016	NUM
fsr-3355	39	32	)	)	PUNCT
fsr-3355	39	33	.	.	PUNCT
fsr-3355	40	1	research	research	NOUN
fsr-3355	40	2	investigating	investigate	VERB
fsr-3355	40	3	racial	racial	ADJ
fsr-3355	40	4	/	/	SYM
fsr-3355	40	5	ethnic	ethnic	ADJ
fsr-3355	40	6	differences	difference	NOUN
fsr-3355	40	7	in	in	ADP
fsr-3355	40	8	financial	financial	ADJ
fsr-3355	40	9	planner	planner	NOUN
fsr-3355	40	10	use	use	NOUN
fsr-3355	40	11	has	have	AUX
fsr-3355	40	12	uncovered	uncover	VERB
fsr-3355	40	13	that	that	SCONJ
fsr-3355	40	14	the	the	DET
fsr-3355	40	15	majority	majority	NOUN
fsr-3355	40	16	of	of	ADP
fsr-3355	40	17	financial	financial	ADJ
fsr-3355	40	18	planning	planning	NOUN
fsr-3355	40	19	clients	client	NOUN
fsr-3355	40	20	are	be	AUX
fsr-3355	40	21	white	white	ADJ
fsr-3355	40	22	individuals	individual	NOUN
fsr-3355	40	23	.	.	PUNCT
fsr-3355	41	1	despite	despite	SCONJ
fsr-3355	41	2	this	this	PRON
fsr-3355	41	3	,	,	PUNCT
fsr-3355	41	4	there	there	PRON
fsr-3355	41	5	is	be	VERB
fsr-3355	41	6	also	also	ADV
fsr-3355	41	7	demand	demand	NOUN
fsr-3355	41	8	from	from	ADP
fsr-3355	41	9	individuals	individual	NOUN
fsr-3355	41	10	of	of	ADP
fsr-3355	41	11	color	color	NOUN
fsr-3355	41	12	for	for	ADP
fsr-3355	41	13	financial	financial	ADJ
fsr-3355	41	14	advice	advice	NOUN
fsr-3355	41	15	.	.	PUNCT
fsr-3355	42	1	some	some	DET
fsr-3355	42	2	research	research	NOUN
fsr-3355	42	3	has	have	AUX
fsr-3355	42	4	shown	show	VERB
fsr-3355	42	5	that	that	SCONJ
fsr-3355	42	6	black	black	ADJ
fsr-3355	42	7	consumers	consumer	NOUN
fsr-3355	42	8	are	be	AUX
fsr-3355	42	9	more	more	ADV
fsr-3355	42	10	likely	likely	ADJ
fsr-3355	42	11	to	to	PART
fsr-3355	42	12	hire	hire	VERB
fsr-3355	42	13	a	a	DET
fsr-3355	42	14	financial	financial	ADJ
fsr-3355	42	15	planner	planner	NOUN
fsr-3355	42	16	when	when	SCONJ
fsr-3355	42	17	factors	factor	NOUN
fsr-3355	42	18	such	such	ADJ
fsr-3355	42	19	as	as	ADP
fsr-3355	42	20	income	income	NOUN
fsr-3355	42	21	and	and	CCONJ
fsr-3355	42	22	education	education	NOUN
fsr-3355	42	23	are	be	AUX
fsr-3355	42	24	controlled	control	VERB
fsr-3355	42	25	for	for	ADP
fsr-3355	42	26	in	in	ADP
fsr-3355	42	27	regression	regression	NOUN
fsr-3355	42	28	models	model	NOUN
fsr-3355	42	29	(	(	PUNCT
fsr-3355	42	30	elmerick	elmerick	NOUN
fsr-3355	42	31	et	et	PROPN
fsr-3355	42	32	al	al	PROPN
fsr-3355	42	33	.	.	PROPN
fsr-3355	42	34	,	,	PUNCT
fsr-3355	42	35	2002	2002	NUM
fsr-3355	42	36	;	;	PUNCT
fsr-3355	42	37	hanna	hanna	PROPN
fsr-3355	42	38	,	,	PUNCT
fsr-3355	42	39	2011	2011	NUM
fsr-3355	42	40	;	;	PUNCT
fsr-3355	42	41	reiter	reiter	PROPN
fsr-3355	42	42	&	&	CCONJ
fsr-3355	42	43	qing	qing	PROPN
fsr-3355	42	44	,	,	PUNCT
fsr-3355	42	45	2023	2023	NUM
fsr-3355	42	46	;	;	PUNCT
fsr-3355	42	47	white	white	PROPN
fsr-3355	42	48	&	&	CCONJ
fsr-3355	42	49	heckman	heckman	PROPN
fsr-3355	42	50	,	,	PUNCT
fsr-3355	42	51	2016	2016	NUM
fsr-3355	42	52	)	)	PUNCT
fsr-3355	42	53	.	.	PUNCT
fsr-3355	43	1	conversely	conversely	ADV
fsr-3355	43	2	,	,	PUNCT
fsr-3355	43	3	hispanic	hispanic	ADJ
fsr-3355	43	4	consumers	consumer	NOUN
fsr-3355	43	5	are	be	AUX
fsr-3355	43	6	less	less	ADV
fsr-3355	43	7	likely	likely	ADJ
fsr-3355	43	8	to	to	PART
fsr-3355	43	9	work	work	VERB
fsr-3355	43	10	with	with	ADP
fsr-3355	43	11	financial	financial	ADJ
fsr-3355	43	12	planners	planner	NOUN
fsr-3355	43	13	(	(	PUNCT
fsr-3355	43	14	hanna	hanna	NOUN
fsr-3355	43	15	,	,	PUNCT
fsr-3355	43	16	2011	2011	NUM
fsr-3355	43	17	;	;	PUNCT
fsr-3355	43	18	white	white	PROPN
fsr-3355	43	19	&	&	CCONJ
fsr-3355	43	20	heckman	heckman	PROPN
fsr-3355	43	21	,	,	PUNCT
fsr-3355	43	22	2016	2016	NUM
fsr-3355	43	23	)	)	PUNCT
fsr-3355	43	24	.	.	PUNCT
fsr-3355	44	1	current	current	ADJ
fsr-3355	44	2	literature	literature	NOUN
fsr-3355	44	3	on	on	ADP
fsr-3355	44	4	asian	asian	ADJ
fsr-3355	44	5	consumers	consumer	NOUN
fsr-3355	44	6	shows	show	VERB
fsr-3355	44	7	some	some	DET
fsr-3355	44	8	mixed	mixed	ADJ
fsr-3355	44	9	results	result	NOUN
fsr-3355	44	10	.	.	PUNCT
fsr-3355	45	1	while	while	SCONJ
fsr-3355	45	2	some	some	DET
fsr-3355	45	3	sources	source	NOUN
fsr-3355	45	4	show	show	VERB
fsr-3355	45	5	that	that	SCONJ
fsr-3355	45	6	asian	asian	ADJ
fsr-3355	45	7	consumers	consumer	NOUN
fsr-3355	45	8	are	be	AUX
fsr-3355	45	9	less	less	ADV
fsr-3355	45	10	likely	likely	ADJ
fsr-3355	45	11	to	to	PART
fsr-3355	45	12	seek	seek	VERB
fsr-3355	45	13	financial	financial	ADJ
fsr-3355	45	14	advice	advice	NOUN
fsr-3355	45	15	(	(	PUNCT
fsr-3355	45	16	hanna	hanna	PROPN
fsr-3355	45	17	et	et	PROPN
fsr-3355	45	18	al	al	PROPN
fsr-3355	45	19	.	.	PROPN
fsr-3355	45	20	,	,	PUNCT
fsr-3355	45	21	2015	2015	NUM
fsr-3355	45	22	)	)	PUNCT
fsr-3355	45	23	,	,	PUNCT
fsr-3355	45	24	other	other	ADJ
fsr-3355	45	25	sources	source	NOUN
fsr-3355	45	26	show	show	VERB
fsr-3355	45	27	that	that	SCONJ
fsr-3355	45	28	asian	asian	ADJ
fsr-3355	45	29	consumers	consumer	NOUN
fsr-3355	45	30	are	be	AUX
fsr-3355	45	31	more	more	ADV
fsr-3355	45	32	likely	likely	ADJ
fsr-3355	45	33	to	to	PART
fsr-3355	45	34	seek	seek	VERB
fsr-3355	45	35	financial	financial	ADJ
fsr-3355	45	36	advice	advice	NOUN
fsr-3355	45	37	(	(	PUNCT
fsr-3355	45	38	white	white	PROPN
fsr-3355	45	39	&	&	CCONJ
fsr-3355	45	40	heckman	heckman	PROPN
fsr-3355	45	41	,	,	PUNCT
fsr-3355	45	42	2016	2016	NUM
fsr-3355	45	43	)	)	PUNCT
fsr-3355	45	44	.	.	PUNCT
fsr-3355	46	1	ultimately	ultimately	ADV
fsr-3355	46	2	,	,	PUNCT
fsr-3355	46	3	it	it	PRON
fsr-3355	46	4	may	may	AUX
fsr-3355	46	5	depend	depend	VERB
fsr-3355	46	6	on	on	ADP
fsr-3355	46	7	the	the	DET
fsr-3355	46	8	type	type	NOUN
fsr-3355	46	9	of	of	ADP
fsr-3355	46	10	financial	financial	ADJ
fsr-3355	46	11	advice	advice	NOUN
fsr-3355	46	12	sought	seek	VERB
fsr-3355	46	13	(	(	PUNCT
fsr-3355	46	14	white	white	PROPN
fsr-3355	46	15	&	&	CCONJ
fsr-3355	46	16	heckman	heckman	PROPN
fsr-3355	46	17	,	,	PUNCT
fsr-3355	46	18	2016	2016	NUM
fsr-3355	46	19	)	)	PUNCT
fsr-3355	46	20	.	.	PUNCT
fsr-3355	47	1	while	while	SCONJ
fsr-3355	47	2	researchers	researcher	NOUN
fsr-3355	47	3	have	have	AUX
fsr-3355	47	4	investigated	investigate	VERB
fsr-3355	47	5	racial	racial	ADJ
fsr-3355	47	6	/	/	SYM
fsr-3355	47	7	ethnic	ethnic	ADJ
fsr-3355	47	8	differences	difference	NOUN
fsr-3355	47	9	in	in	ADP
fsr-3355	47	10	seeking	seek	VERB
fsr-3355	47	11	financial	financial	ADJ
fsr-3355	47	12	advice	advice	NOUN
fsr-3355	47	13	,	,	PUNCT
fsr-3355	47	14	it	it	PRON
fsr-3355	47	15	is	be	AUX
fsr-3355	47	16	important	important	ADJ
fsr-3355	47	17	to	to	PART
fsr-3355	47	18	understand	understand	VERB
fsr-3355	47	19	what	what	PRON
fsr-3355	47	20	contributes	contribute	VERB
fsr-3355	47	21	to	to	ADP
fsr-3355	47	22	these	these	DET
fsr-3355	47	23	differences	difference	NOUN
fsr-3355	47	24	.	.	PUNCT
fsr-3355	48	1	reiter	reiter	PROPN
fsr-3355	48	2	and	and	CCONJ
fsr-3355	48	3	qing	qing	PROPN
fsr-3355	48	4	(	(	PUNCT
fsr-3355	48	5	2023	2023	NUM
fsr-3355	48	6	)	)	PUNCT
fsr-3355	48	7	conducted	conduct	VERB
fsr-3355	48	8	a	a	DET
fsr-3355	48	9	study	study	NOUN
fsr-3355	48	10	on	on	ADP
fsr-3355	48	11	both	both	PRON
fsr-3355	48	12	gender	gender	NOUN
fsr-3355	48	13	and	and	CCONJ
fsr-3355	48	14	black	black	ADJ
fsr-3355	48	15	-	-	PUNCT
fsr-3355	48	16	white	white	ADJ
fsr-3355	48	17	racial	racial	ADJ
fsr-3355	48	18	qing	qing	PROPN
fsr-3355	48	19	&	&	CCONJ
fsr-3355	48	20	reiter	reiter	PROPN
fsr-3355	48	21	29	29	NUM
fsr-3355	48	22	differences	difference	NOUN
fsr-3355	48	23	in	in	ADP
fsr-3355	48	24	seeking	seek	VERB
fsr-3355	48	25	financial	financial	ADJ
fsr-3355	48	26	advice	advice	NOUN
fsr-3355	48	27	using	use	VERB
fsr-3355	48	28	2012	2012	NUM
fsr-3355	48	29	data	datum	NOUN
fsr-3355	48	30	from	from	ADP
fsr-3355	48	31	the	the	DET
fsr-3355	48	32	national	national	ADJ
fsr-3355	48	33	financial	financial	ADJ
fsr-3355	48	34	capability	capability	NOUN
fsr-3355	48	35	study	study	NOUN
fsr-3355	48	36	(	(	PUNCT
fsr-3355	48	37	nfcs	nfcs	PROPN
fsr-3355	48	38	)	)	PUNCT
fsr-3355	48	39	dataset	dataset	NOUN
fsr-3355	48	40	.	.	PUNCT
fsr-3355	49	1	they	they	PRON
fsr-3355	49	2	employed	employ	VERB
fsr-3355	49	3	a	a	DET
fsr-3355	49	4	decomposition	decomposition	NOUN
fsr-3355	49	5	technique	technique	NOUN
fsr-3355	49	6	from	from	ADP
fsr-3355	49	7	jackson	jackson	PROPN
fsr-3355	49	8	and	and	CCONJ
fsr-3355	49	9	lindley	lindley	PROPN
fsr-3355	49	10	(	(	PUNCT
fsr-3355	49	11	1989	1989	NUM
fsr-3355	49	12	)	)	PUNCT
fsr-3355	49	13	.	.	PUNCT
fsr-3355	50	1	this	this	DET
fsr-3355	50	2	technique	technique	NOUN
fsr-3355	50	3	allowed	allow	VERB
fsr-3355	50	4	them	they	PRON
fsr-3355	50	5	to	to	PART
fsr-3355	50	6	examine	examine	VERB
fsr-3355	50	7	the	the	DET
fsr-3355	50	8	effects	effect	NOUN
fsr-3355	50	9	of	of	ADP
fsr-3355	50	10	independent	independent	ADJ
fsr-3355	50	11	variables	variable	NOUN
fsr-3355	50	12	,	,	PUNCT
fsr-3355	50	13	which	which	PRON
fsr-3355	50	14	varied	varied	ADJ
fsr-3355	50	15	by	by	ADP
fsr-3355	50	16	race	race	NOUN
fsr-3355	50	17	,	,	PUNCT
fsr-3355	50	18	and	and	CCONJ
fsr-3355	50	19	to	to	PART
fsr-3355	50	20	isolate	isolate	VERB
fsr-3355	50	21	the	the	DET
fsr-3355	50	22	effects	effect	NOUN
fsr-3355	50	23	,	,	PUNCT
fsr-3355	50	24	specifically	specifically	ADV
fsr-3355	50	25	,	,	PUNCT
fsr-3355	50	26	of	of	ADP
fsr-3355	50	27	being	be	AUX
fsr-3355	50	28	black	black	ADJ
fsr-3355	50	29	or	or	CCONJ
fsr-3355	50	30	white	white	ADJ
fsr-3355	50	31	on	on	ADP
fsr-3355	50	32	seeking	seek	VERB
fsr-3355	50	33	financial	financial	ADJ
fsr-3355	50	34	advice	advice	NOUN
fsr-3355	50	35	.	.	PUNCT
fsr-3355	51	1	in	in	ADP
fsr-3355	51	2	other	other	ADJ
fsr-3355	51	3	words	word	NOUN
fsr-3355	51	4	,	,	PUNCT
fsr-3355	51	5	reiter	reiter	NOUN
fsr-3355	51	6	and	and	CCONJ
fsr-3355	51	7	qing	qing	PROPN
fsr-3355	51	8	(	(	PUNCT
fsr-3355	51	9	2023	2023	NUM
fsr-3355	51	10	)	)	PUNCT
fsr-3355	51	11	interacted	interact	VERB
fsr-3355	51	12	the	the	DET
fsr-3355	51	13	race	race	NOUN
fsr-3355	51	14	variable	variable	NOUN
fsr-3355	51	15	with	with	ADP
fsr-3355	51	16	all	all	DET
fsr-3355	51	17	other	other	ADJ
fsr-3355	51	18	predictors	predictor	NOUN
fsr-3355	51	19	and	and	CCONJ
fsr-3355	51	20	utilized	utilize	VERB
fsr-3355	51	21	the	the	DET
fsr-3355	51	22	likelihood	likelihood	NOUN
fsr-3355	51	23	ratio	ratio	NOUN
fsr-3355	51	24	test	test	NOUN
fsr-3355	51	25	to	to	PART
fsr-3355	51	26	compare	compare	VERB
fsr-3355	51	27	the	the	DET
fsr-3355	51	28	intermediate	intermediate	ADJ
fsr-3355	51	29	model	model	NOUN
fsr-3355	51	30	(	(	PUNCT
fsr-3355	51	31	model	model	NOUN
fsr-3355	51	32	without	without	ADP
fsr-3355	51	33	interaction	interaction	NOUN
fsr-3355	51	34	)	)	PUNCT
fsr-3355	51	35	and	and	CCONJ
fsr-3355	51	36	the	the	DET
fsr-3355	51	37	interacted	interacted	ADJ
fsr-3355	51	38	model	model	NOUN
fsr-3355	51	39	(	(	PUNCT
fsr-3355	51	40	model	model	NOUN
fsr-3355	51	41	with	with	ADP
fsr-3355	51	42	interaction	interaction	NOUN
fsr-3355	51	43	)	)	PUNCT
fsr-3355	51	44	.	.	PUNCT
fsr-3355	52	1	the	the	DET
fsr-3355	52	2	results	result	NOUN
fsr-3355	52	3	showed	show	VERB
fsr-3355	52	4	a	a	DET
fsr-3355	52	5	statistically	statistically	ADV
fsr-3355	52	6	significant	significant	ADJ
fsr-3355	52	7	difference	difference	NOUN
fsr-3355	52	8	between	between	ADP
fsr-3355	52	9	the	the	DET
fsr-3355	52	10	two	two	NUM
fsr-3355	52	11	models	model	NOUN
fsr-3355	52	12	and	and	CCONJ
fsr-3355	52	13	suggested	suggest	VERB
fsr-3355	52	14	that	that	SCONJ
fsr-3355	52	15	the	the	DET
fsr-3355	52	16	interacted	interact	VERB
fsr-3355	52	17	model	model	NOUN
fsr-3355	52	18	was	be	AUX
fsr-3355	52	19	more	more	ADV
fsr-3355	52	20	appropriate	appropriate	ADJ
fsr-3355	52	21	.	.	PUNCT
fsr-3355	53	1	the	the	DET
fsr-3355	53	2	results	result	NOUN
fsr-3355	53	3	indicated	indicate	VERB
fsr-3355	53	4	that	that	SCONJ
fsr-3355	53	5	asking	ask	VERB
fsr-3355	53	6	for	for	ADP
fsr-3355	53	7	financial	financial	ADJ
fsr-3355	53	8	advice	advice	NOUN
fsr-3355	53	9	is	be	AUX
fsr-3355	53	10	not	not	PART
fsr-3355	53	11	determined	determine	VERB
fsr-3355	53	12	by	by	ADP
fsr-3355	53	13	race	race	NOUN
fsr-3355	53	14	or	or	CCONJ
fsr-3355	53	15	gender	gender	NOUN
fsr-3355	53	16	in	in	ADP
fsr-3355	53	17	and	and	CCONJ
fsr-3355	53	18	of	of	ADP
fsr-3355	53	19	itself	itself	PRON
fsr-3355	53	20	but	but	CCONJ
fsr-3355	53	21	by	by	ADP
fsr-3355	53	22	other	other	ADJ
fsr-3355	53	23	variables	variable	NOUN
fsr-3355	53	24	.	.	PUNCT
fsr-3355	54	1	however	however	ADV
fsr-3355	54	2	,	,	PUNCT
fsr-3355	54	3	the	the	DET
fsr-3355	54	4	decomposition	decomposition	NOUN
fsr-3355	54	5	technique	technique	NOUN
fsr-3355	54	6	from	from	ADP
fsr-3355	54	7	jackson	jackson	PROPN
fsr-3355	54	8	and	and	CCONJ
fsr-3355	54	9	lindley	lindley	PROPN
fsr-3355	54	10	(	(	PUNCT
fsr-3355	54	11	1989	1989	NUM
fsr-3355	54	12	)	)	PUNCT
fsr-3355	54	13	could	could	AUX
fsr-3355	54	14	not	not	PART
fsr-3355	54	15	capture	capture	VERB
fsr-3355	54	16	specific	specific	ADJ
fsr-3355	54	17	differences	difference	NOUN
fsr-3355	54	18	in	in	ADP
fsr-3355	54	19	predictors	predictor	NOUN
fsr-3355	54	20	when	when	SCONJ
fsr-3355	54	21	comparing	compare	VERB
fsr-3355	54	22	racial	racial	ADJ
fsr-3355	54	23	groups	group	NOUN
fsr-3355	54	24	;	;	PUNCT
fsr-3355	54	25	specifically	specifically	ADV
fsr-3355	54	26	,	,	PUNCT
fsr-3355	54	27	the	the	DET
fsr-3355	54	28	results	result	NOUN
fsr-3355	54	29	could	could	AUX
fsr-3355	54	30	not	not	PART
fsr-3355	54	31	show	show	VERB
fsr-3355	54	32	which	which	DET
fsr-3355	54	33	predictor	predictor	NOUN
fsr-3355	54	34	contributes	contribute	VERB
fsr-3355	54	35	the	the	DET
fsr-3355	54	36	most	most	ADJ
fsr-3355	54	37	difference	difference	NOUN
fsr-3355	54	38	in	in	ADP
fsr-3355	54	39	seeking	seek	VERB
fsr-3355	54	40	financial	financial	ADJ
fsr-3355	54	41	advice	advice	NOUN
fsr-3355	54	42	between	between	ADP
fsr-3355	54	43	the	the	DET
fsr-3355	54	44	two	two	NUM
fsr-3355	54	45	groups	group	NOUN
fsr-3355	54	46	.	.	PUNCT
fsr-3355	55	1	as	as	ADP
fsr-3355	55	2	such	such	ADJ
fsr-3355	55	3	,	,	PUNCT
fsr-3355	55	4	fairlie	fairlie	PROPN
fsr-3355	55	5	's	's	PART
fsr-3355	55	6	(	(	PUNCT
fsr-3355	55	7	2005	2005	NUM
fsr-3355	55	8	)	)	PUNCT
fsr-3355	55	9	decomposition	decomposition	NOUN
fsr-3355	55	10	technique	technique	NOUN
fsr-3355	55	11	is	be	AUX
fsr-3355	55	12	required	require	VERB
fsr-3355	55	13	.	.	PUNCT
fsr-3355	56	1	the	the	DET
fsr-3355	56	2	fairlie	fairlie	PROPN
fsr-3355	56	3	(	(	PUNCT
fsr-3355	56	4	2005	2005	NUM
fsr-3355	56	5	)	)	PUNCT
fsr-3355	56	6	decomposition	decomposition	NOUN
fsr-3355	56	7	method	method	NOUN
fsr-3355	56	8	can	can	AUX
fsr-3355	56	9	estimate	estimate	VERB
fsr-3355	56	10	the	the	DET
fsr-3355	56	11	significance	significance	NOUN
fsr-3355	56	12	of	of	ADP
fsr-3355	56	13	various	various	ADJ
fsr-3355	56	14	observed	observed	ADJ
fsr-3355	56	15	characteristics	characteristic	NOUN
fsr-3355	56	16	that	that	PRON
fsr-3355	56	17	account	account	VERB
fsr-3355	56	18	for	for	ADP
fsr-3355	56	19	differences	difference	NOUN
fsr-3355	56	20	in	in	ADP
fsr-3355	56	21	financial	financial	ADJ
fsr-3355	56	22	planner	planner	NOUN
fsr-3355	56	23	use	use	NOUN
fsr-3355	56	24	between	between	ADP
fsr-3355	56	25	groups	group	NOUN
fsr-3355	56	26	.	.	PUNCT
fsr-3355	57	1	this	this	DET
fsr-3355	57	2	study	study	NOUN
fsr-3355	57	3	aims	aim	VERB
fsr-3355	57	4	to	to	PART
fsr-3355	57	5	investigate	investigate	VERB
fsr-3355	57	6	racial	racial	ADJ
fsr-3355	57	7	/	/	SYM
fsr-3355	57	8	ethnic	ethnic	ADJ
fsr-3355	57	9	differences	difference	NOUN
fsr-3355	57	10	in	in	ADP
fsr-3355	57	11	using	use	VERB
fsr-3355	57	12	financial	financial	ADJ
fsr-3355	57	13	planners	planner	NOUN
fsr-3355	57	14	to	to	PART
fsr-3355	57	15	make	make	VERB
fsr-3355	57	16	investment	investment	NOUN
fsr-3355	57	17	and	and	CCONJ
fsr-3355	57	18	saving	saving	NOUN
fsr-3355	57	19	decisions	decision	NOUN
fsr-3355	57	20	.	.	PUNCT
fsr-3355	58	1	we	we	PRON
fsr-3355	58	2	use	use	VERB
fsr-3355	58	3	the	the	DET
fsr-3355	58	4	fairlie	fairlie	PROPN
fsr-3355	58	5	(	(	PUNCT
fsr-3355	58	6	2005	2005	NUM
fsr-3355	58	7	)	)	PUNCT
fsr-3355	58	8	decomposition	decomposition	NOUN
fsr-3355	58	9	technique	technique	NOUN
fsr-3355	58	10	to	to	PART
fsr-3355	58	11	examine	examine	VERB
fsr-3355	58	12	if	if	SCONJ
fsr-3355	58	13	racial	racial	ADJ
fsr-3355	58	14	/	/	SYM
fsr-3355	58	15	ethnic	ethnic	ADJ
fsr-3355	58	16	differences	difference	NOUN
fsr-3355	58	17	are	be	AUX
fsr-3355	58	18	attributed	attribute	VERB
fsr-3355	58	19	to	to	ADP
fsr-3355	58	20	various	various	ADJ
fsr-3355	58	21	consumer	consumer	NOUN
fsr-3355	58	22	and	and	CCONJ
fsr-3355	58	23	household	household	NOUN
fsr-3355	58	24	characteristics	characteristic	NOUN
fsr-3355	58	25	or	or	CCONJ
fsr-3355	58	26	unobserved	unobserved	ADJ
fsr-3355	58	27	variables	variable	NOUN
fsr-3355	58	28	.	.	PUNCT
fsr-3355	59	1	specifically	specifically	ADV
fsr-3355	59	2	,	,	PUNCT
fsr-3355	59	3	we	we	PRON
fsr-3355	59	4	examine	examine	VERB
fsr-3355	59	5	which	which	PRON
fsr-3355	59	6	determinants	determinant	VERB
fsr-3355	59	7	help	help	VERB
fsr-3355	59	8	explain	explain	VERB
fsr-3355	59	9	racial	racial	ADJ
fsr-3355	59	10	/	/	SYM
fsr-3355	59	11	ethnic	ethnic	ADJ
fsr-3355	59	12	differences	difference	NOUN
fsr-3355	59	13	in	in	ADP
fsr-3355	59	14	financial	financial	ADJ
fsr-3355	59	15	planner	planner	NOUN
fsr-3355	59	16	use	use	NOUN
fsr-3355	59	17	and	and	CCONJ
fsr-3355	59	18	which	which	DET
fsr-3355	59	19	determinants	determinant	NOUN
fsr-3355	59	20	contribute	contribute	VERB
fsr-3355	59	21	to	to	ADP
fsr-3355	59	22	the	the	DET
fsr-3355	59	23	gap	gap	NOUN
fsr-3355	59	24	in	in	ADP
fsr-3355	59	25	financial	financial	ADJ
fsr-3355	59	26	planner	planner	NOUN
fsr-3355	59	27	use	use	NOUN
fsr-3355	59	28	between	between	ADP
fsr-3355	59	29	racial	racial	ADJ
fsr-3355	59	30	/	/	SYM
fsr-3355	59	31	ethnic	ethnic	ADJ
fsr-3355	59	32	groups	group	NOUN
fsr-3355	59	33	.	.	PUNCT
fsr-3355	60	1	in	in	ADP
fsr-3355	60	2	this	this	DET
fsr-3355	60	3	study	study	NOUN
fsr-3355	60	4	,	,	PUNCT
fsr-3355	60	5	six	six	NUM
fsr-3355	60	6	pairwise	pairwise	NOUN
fsr-3355	60	7	comparisons	comparison	NOUN
fsr-3355	60	8	were	be	AUX
fsr-3355	60	9	conducted	conduct	VERB
fsr-3355	60	10	:	:	PUNCT
fsr-3355	60	11	(	(	PUNCT
fsr-3355	60	12	1	1	X
fsr-3355	60	13	)	)	PUNCT
fsr-3355	60	14	blacks	black	NOUN
fsr-3355	60	15	versus	versus	ADP
fsr-3355	60	16	whites	white	NOUN
fsr-3355	60	17	,	,	PUNCT
fsr-3355	60	18	(	(	PUNCT
fsr-3355	60	19	3	3	X
fsr-3355	60	20	)	)	PUNCT
fsr-3355	60	21	blacks	black	NOUN
fsr-3355	60	22	versus	versus	ADP
fsr-3355	60	23	hispanics	hispanic	NOUN
fsr-3355	60	24	,	,	PUNCT
fsr-3355	60	25	(	(	PUNCT
fsr-3355	60	26	3	3	X
fsr-3355	60	27	)	)	PUNCT
fsr-3355	60	28	blacks	black	NOUN
fsr-3355	60	29	versus	versus	ADP
fsr-3355	60	30	asians	asians	PROPN
fsr-3355	60	31	/	/	SYM
fsr-3355	60	32	others	other	NOUN
fsr-3355	60	33	,	,	PUNCT
fsr-3355	60	34	(	(	PUNCT
fsr-3355	60	35	4	4	X
fsr-3355	60	36	)	)	PUNCT
fsr-3355	60	37	whites	white	NOUN
fsr-3355	60	38	versus	versus	ADP
fsr-3355	60	39	hispanics	hispanic	NOUN
fsr-3355	60	40	,	,	PUNCT
fsr-3355	60	41	(	(	PUNCT
fsr-3355	60	42	5	5	X
fsr-3355	60	43	)	)	PUNCT
fsr-3355	60	44	whites	white	NOUN
fsr-3355	60	45	versus	versus	ADP
fsr-3355	60	46	asians	asians	PROPN
fsr-3355	60	47	/	/	SYM
fsr-3355	60	48	others	other	NOUN
fsr-3355	60	49	,	,	PUNCT
fsr-3355	60	50	and	and	CCONJ
fsr-3355	60	51	(	(	PUNCT
fsr-3355	60	52	6	6	NUM
fsr-3355	60	53	)	)	PUNCT
fsr-3355	60	54	asians	asians	PROPN
fsr-3355	60	55	/	/	SYM
fsr-3355	60	56	others	other	NOUN
fsr-3355	60	57	versus	versus	ADP
fsr-3355	60	58	hispanics	hispanic	NOUN
fsr-3355	60	59	.	.	PUNCT
fsr-3355	61	1	we	we	PRON
fsr-3355	61	2	calculate	calculate	VERB
fsr-3355	61	3	the	the	DET
fsr-3355	61	4	part	part	NOUN
fsr-3355	61	5	of	of	ADP
fsr-3355	61	6	the	the	DET
fsr-3355	61	7	observed	observe	VERB
fsr-3355	61	8	differences	difference	NOUN
fsr-3355	61	9	in	in	ADP
fsr-3355	61	10	the	the	DET
fsr-3355	61	11	utilization	utilization	NOUN
fsr-3355	61	12	of	of	ADP
fsr-3355	61	13	financial	financial	ADJ
fsr-3355	61	14	planners	planner	NOUN
fsr-3355	61	15	attributable	attributable	ADJ
fsr-3355	61	16	to	to	ADP
fsr-3355	61	17	variations	variation	NOUN
fsr-3355	61	18	in	in	ADP
fsr-3355	61	19	household	household	NOUN
fsr-3355	61	20	and	and	CCONJ
fsr-3355	61	21	economic	economic	ADJ
fsr-3355	61	22	characteristics	characteristic	NOUN
fsr-3355	61	23	.	.	PUNCT
fsr-3355	62	1	this	this	DET
fsr-3355	62	2	paper	paper	NOUN
fsr-3355	62	3	contributes	contribute	VERB
fsr-3355	62	4	to	to	ADP
fsr-3355	62	5	the	the	DET
fsr-3355	62	6	literature	literature	NOUN
fsr-3355	62	7	in	in	ADP
fsr-3355	62	8	a	a	DET
fsr-3355	62	9	few	few	ADJ
fsr-3355	62	10	important	important	ADJ
fsr-3355	62	11	ways	way	NOUN
fsr-3355	62	12	.	.	PUNCT
fsr-3355	63	1	first	first	ADV
fsr-3355	63	2	,	,	PUNCT
fsr-3355	63	3	we	we	PRON
fsr-3355	63	4	investigate	investigate	VERB
fsr-3355	63	5	the	the	DET
fsr-3355	63	6	racial	racial	ADJ
fsr-3355	63	7	/	/	SYM
fsr-3355	63	8	ethnic	ethnic	ADJ
fsr-3355	63	9	differences	difference	NOUN
fsr-3355	63	10	in	in	ADP
fsr-3355	63	11	seeking	seek	VERB
fsr-3355	63	12	financial	financial	ADJ
fsr-3355	63	13	advice	advice	NOUN
fsr-3355	63	14	(	(	PUNCT
fsr-3355	63	15	i.e.	i.e.	X
fsr-3355	63	16	,	,	PUNCT
fsr-3355	63	17	using	use	VERB
fsr-3355	63	18	a	a	DET
fsr-3355	63	19	financial	financial	ADJ
fsr-3355	63	20	planner	planner	NOUN
fsr-3355	63	21	)	)	PUNCT
fsr-3355	63	22	for	for	ADP
fsr-3355	63	23	saving	saving	NOUN
fsr-3355	63	24	and	and	CCONJ
fsr-3355	63	25	investment	investment	NOUN
fsr-3355	63	26	decisions	decision	NOUN
fsr-3355	63	27	using	use	VERB
fsr-3355	63	28	the	the	DET
fsr-3355	63	29	more	more	ADV
fsr-3355	63	30	recent	recent	ADJ
fsr-3355	63	31	2016	2016	NUM
fsr-3355	63	32	and	and	CCONJ
fsr-3355	63	33	2019	2019	NUM
fsr-3355	63	34	waves	wave	NOUN
fsr-3355	63	35	of	of	ADP
fsr-3355	63	36	the	the	DET
fsr-3355	63	37	survey	survey	NOUN
fsr-3355	63	38	of	of	ADP
fsr-3355	63	39	consumer	consumer	NOUN
fsr-3355	63	40	finances	finance	NOUN
fsr-3355	63	41	(	(	PUNCT
fsr-3355	63	42	scf	scf	PROPN
fsr-3355	63	43	)	)	PUNCT
fsr-3355	63	44	.	.	PUNCT
fsr-3355	64	1	the	the	DET
fsr-3355	64	2	data	datum	NOUN
fsr-3355	64	3	from	from	ADP
fsr-3355	64	4	the	the	DET
fsr-3355	64	5	scf	scf	PROPN
fsr-3355	64	6	allow	allow	VERB
fsr-3355	64	7	us	we	PRON
fsr-3355	64	8	to	to	PART
fsr-3355	64	9	include	include	VERB
fsr-3355	64	10	net	net	ADJ
fsr-3355	64	11	worth	worth	NOUN
fsr-3355	64	12	as	as	ADP
fsr-3355	64	13	a	a	DET
fsr-3355	64	14	variable	variable	NOUN
fsr-3355	64	15	,	,	PUNCT
fsr-3355	64	16	unlike	unlike	ADP
fsr-3355	64	17	the	the	DET
fsr-3355	64	18	work	work	NOUN
fsr-3355	64	19	from	from	ADP
fsr-3355	64	20	reiter	reiter	NOUN
fsr-3355	64	21	and	and	CCONJ
fsr-3355	64	22	qing	qing	PROPN
fsr-3355	64	23	(	(	PUNCT
fsr-3355	64	24	2023	2023	NUM
fsr-3355	64	25	)	)	PUNCT
fsr-3355	64	26	,	,	PUNCT
fsr-3355	64	27	which	which	PRON
fsr-3355	64	28	does	do	AUX
fsr-3355	64	29	not	not	PART
fsr-3355	64	30	include	include	VERB
fsr-3355	64	31	this	this	DET
fsr-3355	64	32	important	important	ADJ
fsr-3355	64	33	variable	variable	NOUN
fsr-3355	64	34	,	,	PUNCT
fsr-3355	64	35	due	due	ADP
fsr-3355	64	36	to	to	ADP
fsr-3355	64	37	a	a	DET
fsr-3355	64	38	limitation	limitation	NOUN
fsr-3355	64	39	with	with	ADP
fsr-3355	64	40	the	the	DET
fsr-3355	64	41	nfcs	nfc	NOUN
fsr-3355	64	42	dataset	dataset	NOUN
fsr-3355	64	43	.	.	PUNCT
fsr-3355	65	1	also	also	ADV
fsr-3355	65	2	,	,	PUNCT
fsr-3355	65	3	the	the	DET
fsr-3355	65	4	financial	financial	ADJ
fsr-3355	65	5	advice	advice	NOUN
fsr-3355	65	6	seeking	seek	VERB
fsr-3355	65	7	question	question	NOUN
fsr-3355	65	8	from	from	ADP
fsr-3355	65	9	the	the	DET
fsr-3355	65	10	nfcs	nfcs	PROPN
fsr-3355	65	11	asks	ask	VERB
fsr-3355	65	12	about	about	ADP
fsr-3355	65	13	financial	financial	ADJ
fsr-3355	65	14	planner	planner	NOUN
fsr-3355	65	15	use	use	NOUN
fsr-3355	65	16	within	within	ADP
fsr-3355	65	17	the	the	DET
fsr-3355	65	18	past	past	ADJ
fsr-3355	65	19	five	five	NUM
fsr-3355	65	20	years	year	NOUN
fsr-3355	65	21	,	,	PUNCT
fsr-3355	65	22	whereas	whereas	SCONJ
fsr-3355	65	23	the	the	DET
fsr-3355	65	24	scf	scf	PROPN
fsr-3355	65	25	uses	use	VERB
fsr-3355	65	26	a	a	DET
fsr-3355	65	27	broader	broad	ADJ
fsr-3355	65	28	question	question	NOUN
fsr-3355	65	29	.	.	PUNCT
fsr-3355	66	1	second	second	ADJ
fsr-3355	66	2	,	,	PUNCT
fsr-3355	66	3	we	we	PRON
fsr-3355	66	4	employ	employ	VERB
fsr-3355	66	5	the	the	DET
fsr-3355	66	6	fairlie	fairlie	PROPN
fsr-3355	66	7	decomposition	decomposition	NOUN
fsr-3355	66	8	method	method	NOUN
fsr-3355	66	9	to	to	PART
fsr-3355	66	10	understand	understand	VERB
fsr-3355	66	11	the	the	DET
fsr-3355	66	12	significance	significance	NOUN
fsr-3355	66	13	of	of	ADP
fsr-3355	66	14	the	the	DET
fsr-3355	66	15	racial	racial	ADJ
fsr-3355	66	16	/	/	SYM
fsr-3355	66	17	ethnic	ethnic	ADJ
fsr-3355	66	18	differences	difference	NOUN
fsr-3355	66	19	in	in	ADP
fsr-3355	66	20	financial	financial	ADJ
fsr-3355	66	21	advice	advice	NOUN
fsr-3355	66	22	seeking	seek	VERB
fsr-3355	66	23	characteristics	characteristic	NOUN
fsr-3355	66	24	for	for	ADP
fsr-3355	66	25	six	six	NUM
fsr-3355	66	26	pairwise	pairwise	NOUN
fsr-3355	66	27	groups	group	NOUN
fsr-3355	66	28	,	,	PUNCT
fsr-3355	66	29	which	which	PRON
fsr-3355	66	30	,	,	PUNCT
fsr-3355	66	31	to	to	ADP
fsr-3355	66	32	the	the	DET
fsr-3355	66	33	best	good	ADJ
fsr-3355	66	34	of	of	ADP
fsr-3355	66	35	our	our	PRON
fsr-3355	66	36	knowledge	knowledge	NOUN
fsr-3355	66	37	,	,	PUNCT
fsr-3355	66	38	has	have	AUX
fsr-3355	66	39	not	not	PART
fsr-3355	66	40	been	be	AUX
fsr-3355	66	41	examined	examine	VERB
fsr-3355	66	42	before	before	ADV
fsr-3355	66	43	.	.	PUNCT
fsr-3355	67	1	as	as	ADP
fsr-3355	67	2	such	such	ADJ
fsr-3355	67	3	,	,	PUNCT
fsr-3355	67	4	this	this	DET
fsr-3355	67	5	paper	paper	NOUN
fsr-3355	67	6	provides	provide	VERB
fsr-3355	67	7	additional	additional	ADJ
fsr-3355	67	8	insights	insight	NOUN
fsr-3355	67	9	beyond	beyond	ADP
fsr-3355	67	10	the	the	DET
fsr-3355	67	11	findings	finding	NOUN
fsr-3355	67	12	of	of	ADP
fsr-3355	67	13	reiter	reiter	NOUN
fsr-3355	67	14	and	and	CCONJ
fsr-3355	67	15	qing	qing	PROPN
fsr-3355	67	16	(	(	PUNCT
fsr-3355	67	17	2023	2023	NUM
fsr-3355	67	18	)	)	PUNCT
fsr-3355	67	19	,	,	PUNCT
fsr-3355	67	20	who	who	PRON
fsr-3355	67	21	examined	examine	VERB
fsr-3355	67	22	disparities	disparity	NOUN
fsr-3355	67	23	in	in	ADP
fsr-3355	67	24	financial	financial	ADJ
fsr-3355	67	25	planner	planner	NOUN
fsr-3355	67	26	use	use	NOUN
fsr-3355	67	27	between	between	ADP
fsr-3355	67	28	black	black	ADJ
fsr-3355	67	29	and	and	CCONJ
fsr-3355	67	30	white	white	ADJ
fsr-3355	67	31	consumers	consumer	NOUN
fsr-3355	67	32	.	.	PUNCT
fsr-3355	68	1	the	the	DET
fsr-3355	68	2	paper	paper	NOUN
fsr-3355	68	3	will	will	AUX
fsr-3355	68	4	be	be	AUX
fsr-3355	68	5	organized	organize	VERB
fsr-3355	68	6	as	as	SCONJ
fsr-3355	68	7	follows	follow	VERB
fsr-3355	68	8	.	.	PUNCT
fsr-3355	69	1	first	first	ADV
fsr-3355	69	2	,	,	PUNCT
fsr-3355	69	3	we	we	PRON
fsr-3355	69	4	introduce	introduce	VERB
fsr-3355	69	5	theoretical	theoretical	ADJ
fsr-3355	69	6	considerations	consideration	NOUN
fsr-3355	69	7	,	,	PUNCT
fsr-3355	69	8	and	and	CCONJ
fsr-3355	69	9	then	then	ADV
fsr-3355	69	10	,	,	PUNCT
fsr-3355	69	11	we	we	PRON
fsr-3355	69	12	discuss	discuss	VERB
fsr-3355	69	13	our	our	PRON
fsr-3355	69	14	methodology	methodology	NOUN
fsr-3355	69	15	,	,	PUNCT
fsr-3355	69	16	including	include	VERB
fsr-3355	69	17	the	the	DET
fsr-3355	69	18	dataset	dataset	NOUN
fsr-3355	69	19	,	,	PUNCT
fsr-3355	69	20	sample	sample	NOUN
fsr-3355	69	21	,	,	PUNCT
fsr-3355	69	22	dependent	dependent	ADJ
fsr-3355	69	23	variable	variable	NOUN
fsr-3355	69	24	,	,	PUNCT
fsr-3355	69	25	independent	independent	ADJ
fsr-3355	69	26	variables	variable	NOUN
fsr-3355	69	27	,	,	PUNCT
fsr-3355	69	28	and	and	CCONJ
fsr-3355	69	29	the	the	DET
fsr-3355	69	30	empirical	empirical	ADJ
fsr-3355	69	31	model	model	NOUN
fsr-3355	69	32	specification	specification	NOUN
fsr-3355	69	33	.	.	PUNCT
fsr-3355	70	1	next	next	ADV
fsr-3355	70	2	,	,	PUNCT
fsr-3355	70	3	we	we	PRON
fsr-3355	70	4	provide	provide	VERB
fsr-3355	70	5	an	an	DET
fsr-3355	70	6	analysis	analysis	NOUN
fsr-3355	70	7	of	of	ADP
fsr-3355	70	8	the	the	DET
fsr-3355	70	9	results	result	NOUN
fsr-3355	70	10	,	,	PUNCT
fsr-3355	70	11	which	which	PRON
fsr-3355	70	12	include	include	VERB
fsr-3355	70	13	descriptive	descriptive	ADJ
fsr-3355	70	14	statistics	statistic	NOUN
fsr-3355	70	15	,	,	PUNCT
fsr-3355	70	16	logistic	logistic	ADJ
fsr-3355	70	17	regression	regression	NOUN
fsr-3355	70	18	analyses	analysis	NOUN
fsr-3355	70	19	,	,	PUNCT
fsr-3355	70	20	and	and	CCONJ
fsr-3355	70	21	decomposition	decomposition	NOUN
fsr-3355	70	22	analyses	analysis	NOUN
fsr-3355	70	23	.	.	PUNCT
fsr-3355	71	1	finally	finally	ADV
fsr-3355	71	2	,	,	PUNCT
fsr-3355	71	3	we	we	PRON
fsr-3355	71	4	discuss	discuss	VERB
fsr-3355	71	5	the	the	DET
fsr-3355	71	6	results	result	NOUN
fsr-3355	71	7	with	with	ADP
fsr-3355	71	8	implications	implication	NOUN
fsr-3355	71	9	,	,	PUNCT
fsr-3355	71	10	suggestions	suggestion	NOUN
fsr-3355	71	11	for	for	ADP
fsr-3355	71	12	future	future	ADJ
fsr-3355	71	13	research	research	NOUN
fsr-3355	71	14	,	,	PUNCT
fsr-3355	71	15	and	and	CCONJ
fsr-3355	71	16	limitations	limitation	NOUN
fsr-3355	71	17	.	.	PUNCT
fsr-3355	72	1	theoretical	theoretical	ADJ
fsr-3355	72	2	considerations	consideration	NOUN
fsr-3355	72	3	according	accord	VERB
fsr-3355	72	4	to	to	ADP
fsr-3355	72	5	the	the	DET
fsr-3355	72	6	life	life	NOUN
fsr-3355	72	7	-	-	PUNCT
fsr-3355	72	8	cycle	cycle	NOUN
fsr-3355	72	9	hypothesis	hypothesis	NOUN
fsr-3355	72	10	by	by	ADP
fsr-3355	72	11	ando	ando	PROPN
fsr-3355	72	12	and	and	CCONJ
fsr-3355	72	13	modigliani	modigliani	PROPN
fsr-3355	72	14	(	(	PUNCT
fsr-3355	72	15	1963	1963	NUM
fsr-3355	72	16	)	)	PUNCT
fsr-3355	72	17	,	,	PUNCT
fsr-3355	72	18	seeking	seek	VERB
fsr-3355	72	19	help	help	NOUN
fsr-3355	72	20	from	from	ADP
fsr-3355	72	21	financial	financial	ADJ
fsr-3355	72	22	professionals	professional	NOUN
fsr-3355	72	23	assists	assist	VERB
fsr-3355	72	24	individuals	individual	NOUN
fsr-3355	72	25	with	with	ADP
fsr-3355	72	26	making	make	VERB
fsr-3355	72	27	financial	financial	ADJ
fsr-3355	72	28	decisions	decision	NOUN
fsr-3355	72	29	that	that	PRON
fsr-3355	72	30	maximize	maximize	VERB
fsr-3355	72	31	utility	utility	NOUN
fsr-3355	72	32	over	over	ADP
fsr-3355	72	33	the	the	DET
fsr-3355	72	34	life	life	NOUN
fsr-3355	72	35	cycle	cycle	NOUN
fsr-3355	72	36	.	.	PUNCT
fsr-3355	73	1	the	the	DET
fsr-3355	73	2	pattern	pattern	NOUN
fsr-3355	73	3	of	of	ADP
fsr-3355	73	4	wealth	wealth	NOUN
fsr-3355	73	5	accumulation	accumulation	NOUN
fsr-3355	73	6	follows	follow	VERB
fsr-3355	73	7	a	a	DET
fsr-3355	73	8	“	"	PUNCT
fsr-3355	73	9	hump	hump	NOUN
fsr-3355	73	10	shape	shape	NOUN
fsr-3355	73	11	”	"	PUNCT
fsr-3355	73	12	;	;	PUNCT
fsr-3355	73	13	in	in	ADP
fsr-3355	73	14	other	other	ADJ
fsr-3355	73	15	words	word	NOUN
fsr-3355	73	16	,	,	PUNCT
fsr-3355	73	17	individuals	individual	NOUN
fsr-3355	73	18	accumulate	accumulate	VERB
fsr-3355	73	19	wealth	wealth	NOUN
fsr-3355	73	20	when	when	SCONJ
fsr-3355	73	21	they	they	PRON
fsr-3355	73	22	are	be	AUX
fsr-3355	73	23	young	young	ADJ
fsr-3355	73	24	and	and	CCONJ
fsr-3355	73	25	distribute	distribute	VERB
fsr-3355	73	26	wealth	wealth	NOUN
fsr-3355	73	27	when	when	SCONJ
fsr-3355	73	28	they	they	PRON
fsr-3355	73	29	are	be	AUX
fsr-3355	73	30	old	old	ADJ
fsr-3355	73	31	.	.	PUNCT
fsr-3355	74	1	to	to	PART
fsr-3355	74	2	allocate	allocate	VERB
fsr-3355	74	3	resources	resource	NOUN
fsr-3355	74	4	optimally	optimally	ADV
fsr-3355	74	5	,	,	PUNCT
fsr-3355	74	6	asking	ask	VERB
fsr-3355	74	7	for	for	ADP
fsr-3355	74	8	help	help	NOUN
fsr-3355	74	9	from	from	ADP
fsr-3355	74	10	financial	financial	ADJ
fsr-3355	74	11	professionals	professional	NOUN
fsr-3355	74	12	helps	help	VERB
fsr-3355	74	13	smooth	smooth	ADJ
fsr-3355	74	14	utility	utility	NOUN
fsr-3355	74	15	during	during	ADP
fsr-3355	74	16	a	a	DET
fsr-3355	74	17	lifetime	lifetime	NOUN
fsr-3355	74	18	.	.	PUNCT
fsr-3355	75	1	according	accord	VERB
fsr-3355	75	2	to	to	ADP
fsr-3355	75	3	economic	economic	ADJ
fsr-3355	75	4	theory	theory	NOUN
fsr-3355	75	5	,	,	PUNCT
fsr-3355	75	6	there	there	PRON
fsr-3355	75	7	should	should	AUX
fsr-3355	75	8	be	be	AUX
fsr-3355	75	9	no	no	DET
fsr-3355	75	10	racial	racial	ADJ
fsr-3355	75	11	/	/	SYM
fsr-3355	75	12	ethnic	ethnic	ADJ
fsr-3355	75	13	financial	financial	ADJ
fsr-3355	75	14	services	service	NOUN
fsr-3355	75	15	review	review	NOUN
fsr-3355	75	16	,	,	PUNCT
fsr-3355	75	17	32(4	32(4	NUM
fsr-3355	75	18	)	)	PUNCT
fsr-3355	75	19	30	30	NUM
fsr-3355	75	20	differences	difference	NOUN
fsr-3355	75	21	when	when	SCONJ
fsr-3355	75	22	seeking	seek	VERB
fsr-3355	75	23	help	help	NOUN
fsr-3355	75	24	from	from	ADP
fsr-3355	75	25	financial	financial	ADJ
fsr-3355	75	26	professionals	professional	NOUN
fsr-3355	75	27	.	.	PUNCT
fsr-3355	76	1	however	however	ADV
fsr-3355	76	2	,	,	PUNCT
fsr-3355	76	3	economic	economic	ADJ
fsr-3355	76	4	theories	theory	NOUN
fsr-3355	76	5	may	may	AUX
fsr-3355	76	6	not	not	PART
fsr-3355	76	7	explain	explain	VERB
fsr-3355	76	8	why	why	SCONJ
fsr-3355	76	9	those	those	PRON
fsr-3355	76	10	who	who	PRON
fsr-3355	76	11	belong	belong	VERB
fsr-3355	76	12	to	to	ADP
fsr-3355	76	13	non	non	ADJ
fsr-3355	76	14	-	-	ADJ
fsr-3355	76	15	white	white	ADJ
fsr-3355	76	16	groups	group	NOUN
fsr-3355	76	17	behave	behave	VERB
fsr-3355	76	18	differently	differently	ADV
fsr-3355	76	19	from	from	ADP
fsr-3355	76	20	whites	white	NOUN
fsr-3355	76	21	,	,	PUNCT
fsr-3355	76	22	even	even	ADV
fsr-3355	76	23	if	if	SCONJ
fsr-3355	76	24	they	they	PRON
fsr-3355	76	25	have	have	VERB
fsr-3355	76	26	the	the	DET
fsr-3355	76	27	same	same	ADJ
fsr-3355	76	28	characteristics	characteristic	NOUN
fsr-3355	76	29	,	,	PUNCT
fsr-3355	76	30	such	such	ADJ
fsr-3355	76	31	as	as	ADP
fsr-3355	76	32	income	income	NOUN
fsr-3355	76	33	,	,	PUNCT
fsr-3355	76	34	net	net	ADJ
fsr-3355	76	35	worth	worth	NOUN
fsr-3355	76	36	,	,	PUNCT
fsr-3355	76	37	or	or	CCONJ
fsr-3355	76	38	financial	financial	ADJ
fsr-3355	76	39	knowledge	knowledge	NOUN
fsr-3355	76	40	(	(	PUNCT
fsr-3355	76	41	shin	shin	PROPN
fsr-3355	76	42	&	&	CCONJ
fsr-3355	76	43	hanna	hanna	PROPN
fsr-3355	76	44	,	,	PUNCT
fsr-3355	76	45	2015	2015	NUM
fsr-3355	76	46	)	)	PUNCT
fsr-3355	76	47	.	.	PUNCT
fsr-3355	77	1	grable	grable	PROPN
fsr-3355	77	2	and	and	CCONJ
fsr-3355	77	3	joo	joo	PROPN
fsr-3355	77	4	(	(	PUNCT
fsr-3355	77	5	1999	1999	NUM
fsr-3355	77	6	)	)	PUNCT
fsr-3355	77	7	introduced	introduce	VERB
fsr-3355	77	8	the	the	DET
fsr-3355	77	9	financial	financial	ADJ
fsr-3355	77	10	help	help	NOUN
fsr-3355	77	11	-	-	PUNCT
fsr-3355	77	12	seeking	seek	VERB
fsr-3355	77	13	framework	framework	NOUN
fsr-3355	77	14	as	as	ADP
fsr-3355	77	15	an	an	DET
fsr-3355	77	16	expansion	expansion	NOUN
fsr-3355	77	17	of	of	ADP
fsr-3355	77	18	suchman	suchman	NOUN
fsr-3355	77	19	’s	’s	PART
fsr-3355	77	20	(	(	PUNCT
fsr-3355	77	21	1966	1966	NUM
fsr-3355	77	22	)	)	PUNCT
fsr-3355	77	23	help	help	AUX
fsr-3355	77	24	-	-	PUNCT
fsr-3355	77	25	seeking	seek	VERB
fsr-3355	77	26	framework	framework	NOUN
fsr-3355	77	27	.	.	PUNCT
fsr-3355	78	1	the	the	DET
fsr-3355	78	2	framework	framework	NOUN
fsr-3355	78	3	posits	posit	NOUN
fsr-3355	78	4	that	that	SCONJ
fsr-3355	78	5	seeking	seek	VERB
fsr-3355	78	6	financial	financial	ADJ
fsr-3355	78	7	advice	advice	NOUN
fsr-3355	78	8	happens	happen	VERB
fsr-3355	78	9	in	in	ADP
fsr-3355	78	10	five	five	NUM
fsr-3355	78	11	steps	step	NOUN
fsr-3355	78	12	:	:	PUNCT
fsr-3355	78	13	exhibiting	exhibit	VERB
fsr-3355	78	14	financial	financial	ADJ
fsr-3355	78	15	behaviors	behavior	NOUN
fsr-3355	78	16	,	,	PUNCT
fsr-3355	78	17	analyzing	analyze	VERB
fsr-3355	78	18	one	one	NUM
fsr-3355	78	19	's	's	PART
fsr-3355	78	20	financial	financial	ADJ
fsr-3355	78	21	behaviors	behavior	NOUN
fsr-3355	78	22	,	,	PUNCT
fsr-3355	78	23	identifying	identify	VERB
fsr-3355	78	24	the	the	DET
fsr-3355	78	25	causes	cause	NOUN
fsr-3355	78	26	of	of	ADP
fsr-3355	78	27	the	the	DET
fsr-3355	78	28	behaviors	behavior	NOUN
fsr-3355	78	29	,	,	PUNCT
fsr-3355	78	30	deciding	decide	VERB
fsr-3355	78	31	to	to	PART
fsr-3355	78	32	seek	seek	VERB
fsr-3355	78	33	help	help	NOUN
fsr-3355	78	34	,	,	PUNCT
fsr-3355	78	35	and	and	CCONJ
fsr-3355	78	36	finally	finally	ADV
fsr-3355	78	37	choosing	choose	VERB
fsr-3355	78	38	among	among	ADP
fsr-3355	78	39	help	help	NOUN
fsr-3355	78	40	options	option	NOUN
fsr-3355	78	41	.	.	PUNCT
fsr-3355	79	1	while	while	SCONJ
fsr-3355	79	2	the	the	DET
fsr-3355	79	3	framework	framework	NOUN
fsr-3355	79	4	does	do	AUX
fsr-3355	79	5	not	not	PART
fsr-3355	79	6	explain	explain	VERB
fsr-3355	79	7	racial	racial	ADJ
fsr-3355	79	8	/	/	SYM
fsr-3355	79	9	ethnic	ethnic	ADJ
fsr-3355	79	10	differences	difference	NOUN
fsr-3355	79	11	in	in	ADP
fsr-3355	79	12	seeking	seek	VERB
fsr-3355	79	13	financial	financial	ADJ
fsr-3355	79	14	help	help	NOUN
fsr-3355	79	15	,	,	PUNCT
fsr-3355	79	16	it	it	PRON
fsr-3355	79	17	establishes	establish	VERB
fsr-3355	79	18	the	the	DET
fsr-3355	79	19	process	process	NOUN
fsr-3355	79	20	that	that	PRON
fsr-3355	79	21	individuals	individual	NOUN
fsr-3355	79	22	take	take	VERB
fsr-3355	79	23	to	to	PART
fsr-3355	79	24	arrive	arrive	VERB
fsr-3355	79	25	at	at	ADP
fsr-3355	79	26	the	the	DET
fsr-3355	79	27	action	action	NOUN
fsr-3355	79	28	of	of	ADP
fsr-3355	79	29	seeking	seek	VERB
fsr-3355	79	30	advice	advice	NOUN
fsr-3355	79	31	,	,	PUNCT
fsr-3355	79	32	and	and	CCONJ
fsr-3355	79	33	it	it	PRON
fsr-3355	79	34	highlights	highlight	VERB
fsr-3355	79	35	some	some	PRON
fsr-3355	79	36	of	of	ADP
fsr-3355	79	37	the	the	DET
fsr-3355	79	38	characteristics	characteristic	NOUN
fsr-3355	79	39	attributed	attribute	VERB
fsr-3355	79	40	to	to	ADP
fsr-3355	79	41	advice	advice	NOUN
fsr-3355	79	42	seekers	seeker	NOUN
fsr-3355	79	43	.	.	PUNCT
fsr-3355	80	1	contrary	contrary	ADJ
fsr-3355	80	2	to	to	ADP
fsr-3355	80	3	some	some	DET
fsr-3355	80	4	other	other	ADJ
fsr-3355	80	5	studies	study	NOUN
fsr-3355	80	6	,	,	PUNCT
fsr-3355	80	7	grable	grable	NOUN
fsr-3355	80	8	and	and	CCONJ
fsr-3355	80	9	joo	joo	PROPN
fsr-3355	80	10	(	(	PUNCT
fsr-3355	80	11	1999	1999	NUM
fsr-3355	80	12	)	)	PUNCT
fsr-3355	80	13	found	find	VERB
fsr-3355	80	14	that	that	SCONJ
fsr-3355	80	15	those	those	PRON
fsr-3355	80	16	most	most	ADV
fsr-3355	80	17	likely	likely	ADJ
fsr-3355	80	18	to	to	PART
fsr-3355	80	19	seek	seek	VERB
fsr-3355	80	20	a	a	DET
fsr-3355	80	21	third	third	ADJ
fsr-3355	80	22	party	party	NOUN
fsr-3355	80	23	for	for	ADP
fsr-3355	80	24	financial	financial	ADJ
fsr-3355	80	25	assistance	assistance	NOUN
fsr-3355	80	26	had	have	VERB
fsr-3355	80	27	undesirable	undesirable	ADJ
fsr-3355	80	28	financial	financial	ADJ
fsr-3355	80	29	behaviors	behavior	NOUN
fsr-3355	80	30	and	and	CCONJ
fsr-3355	80	31	financial	financial	ADJ
fsr-3355	80	32	stressors	stressor	NOUN
fsr-3355	80	33	.	.	PUNCT
fsr-3355	81	1	grable	grable	NOUN
fsr-3355	81	2	and	and	CCONJ
fsr-3355	81	3	joo	joo	PROPN
fsr-3355	81	4	(	(	PUNCT
fsr-3355	81	5	1999	1999	NUM
fsr-3355	81	6	)	)	PUNCT
fsr-3355	81	7	explained	explain	VERB
fsr-3355	81	8	that	that	SCONJ
fsr-3355	81	9	seeking	seek	VERB
fsr-3355	81	10	financial	financial	ADJ
fsr-3355	81	11	help	help	NOUN
fsr-3355	81	12	could	could	AUX
fsr-3355	81	13	be	be	AUX
fsr-3355	81	14	a	a	DET
fsr-3355	81	15	coping	cope	VERB
fsr-3355	81	16	response	response	NOUN
fsr-3355	81	17	.	.	PUNCT
fsr-3355	82	1	using	use	VERB
fsr-3355	82	2	the	the	DET
fsr-3355	82	3	2012	2012	NUM
fsr-3355	82	4	national	national	ADJ
fsr-3355	82	5	financial	financial	ADJ
fsr-3355	82	6	capability	capability	NOUN
fsr-3355	82	7	study	study	NOUN
fsr-3355	82	8	,	,	PUNCT
fsr-3355	82	9	fan	fan	NOUN
fsr-3355	82	10	(	(	PUNCT
fsr-3355	82	11	2021	2021	NUM
fsr-3355	82	12	)	)	PUNCT
fsr-3355	82	13	used	use	VERB
fsr-3355	82	14	stress	stress	NOUN
fsr-3355	82	15	-	-	PUNCT
fsr-3355	82	16	coping	cope	VERB
fsr-3355	82	17	theories	theory	NOUN
fsr-3355	82	18	to	to	PART
fsr-3355	82	19	understand	understand	VERB
fsr-3355	82	20	more	more	ADJ
fsr-3355	82	21	about	about	ADP
fsr-3355	82	22	individuals	individual	NOUN
fsr-3355	82	23	’	'	PUNCT
fsr-3355	82	24	propensity	propensity	NOUN
fsr-3355	82	25	to	to	PART
fsr-3355	82	26	engage	engage	VERB
fsr-3355	82	27	in	in	ADP
fsr-3355	82	28	professional	professional	ADJ
fsr-3355	82	29	financial	financial	ADJ
fsr-3355	82	30	advice	advice	NOUN
fsr-3355	82	31	.	.	PUNCT
fsr-3355	83	1	like	like	ADP
fsr-3355	83	2	grable	grable	NOUN
fsr-3355	83	3	and	and	CCONJ
fsr-3355	83	4	joo	joo	PROPN
fsr-3355	83	5	(	(	PUNCT
fsr-3355	83	6	1999	1999	NUM
fsr-3355	83	7	)	)	PUNCT
fsr-3355	83	8	,	,	PUNCT
fsr-3355	83	9	fan	fan	PROPN
fsr-3355	83	10	found	find	VERB
fsr-3355	83	11	that	that	SCONJ
fsr-3355	83	12	having	have	VERB
fsr-3355	83	13	a	a	DET
fsr-3355	83	14	recent	recent	ADJ
fsr-3355	83	15	experience	experience	NOUN
fsr-3355	83	16	with	with	ADP
fsr-3355	83	17	financial	financial	ADJ
fsr-3355	83	18	stress	stress	NOUN
fsr-3355	83	19	is	be	AUX
fsr-3355	83	20	positively	positively	ADV
fsr-3355	83	21	associated	associate	VERB
fsr-3355	83	22	with	with	ADP
fsr-3355	83	23	seeking	seek	VERB
fsr-3355	83	24	assistance	assistance	NOUN
fsr-3355	83	25	from	from	ADP
fsr-3355	83	26	a	a	DET
fsr-3355	83	27	financial	financial	ADJ
fsr-3355	83	28	advisor	advisor	NOUN
fsr-3355	83	29	.	.	PUNCT
fsr-3355	84	1	this	this	DET
fsr-3355	84	2	association	association	NOUN
fsr-3355	84	3	could	could	AUX
fsr-3355	84	4	explain	explain	VERB
fsr-3355	84	5	the	the	DET
fsr-3355	84	6	greater	great	ADJ
fsr-3355	84	7	propensity	propensity	NOUN
fsr-3355	84	8	for	for	ADP
fsr-3355	84	9	black	black	ADJ
fsr-3355	84	10	consumers	consumer	NOUN
fsr-3355	84	11	to	to	PART
fsr-3355	84	12	seek	seek	VERB
fsr-3355	84	13	financial	financial	ADJ
fsr-3355	84	14	advice	advice	NOUN
fsr-3355	84	15	,	,	PUNCT
fsr-3355	84	16	as	as	SCONJ
fsr-3355	84	17	they	they	PRON
fsr-3355	84	18	have	have	AUX
fsr-3355	84	19	been	be	AUX
fsr-3355	84	20	found	find	VERB
fsr-3355	84	21	to	to	PART
fsr-3355	84	22	experience	experience	VERB
fsr-3355	84	23	greater	great	ADJ
fsr-3355	84	24	financial	financial	ADJ
fsr-3355	84	25	challenges	challenge	NOUN
fsr-3355	84	26	when	when	SCONJ
fsr-3355	84	27	compared	compare	VERB
fsr-3355	84	28	to	to	ADP
fsr-3355	84	29	others	other	NOUN
fsr-3355	84	30	in	in	ADP
fsr-3355	84	31	general	general	ADJ
fsr-3355	84	32	(	(	PUNCT
fsr-3355	84	33	lim	lim	PROPN
fsr-3355	84	34	et	et	PROPN
fsr-3355	84	35	al	al	PROPN
fsr-3355	84	36	.	.	PROPN
fsr-3355	84	37	,	,	PUNCT
fsr-3355	84	38	2014	2014	NUM
fsr-3355	84	39	)	)	PUNCT
fsr-3355	84	40	.	.	PUNCT
fsr-3355	85	1	however	however	ADV
fsr-3355	85	2	,	,	PUNCT
fsr-3355	85	3	it	it	PRON
fsr-3355	85	4	does	do	AUX
fsr-3355	85	5	not	not	PART
fsr-3355	85	6	explain	explain	VERB
fsr-3355	85	7	the	the	DET
fsr-3355	85	8	lack	lack	NOUN
fsr-3355	85	9	of	of	ADP
fsr-3355	85	10	financial	financial	ADJ
fsr-3355	85	11	professional	professional	ADJ
fsr-3355	85	12	use	use	NOUN
fsr-3355	85	13	among	among	ADP
fsr-3355	85	14	hispanic	hispanic	ADJ
fsr-3355	85	15	consumers	consumer	NOUN
fsr-3355	85	16	,	,	PUNCT
fsr-3355	85	17	as	as	SCONJ
fsr-3355	85	18	they	they	PRON
fsr-3355	85	19	also	also	ADV
fsr-3355	85	20	experience	experience	VERB
fsr-3355	85	21	financial	financial	ADJ
fsr-3355	85	22	issues	issue	NOUN
fsr-3355	85	23	similar	similar	ADJ
fsr-3355	85	24	to	to	ADP
fsr-3355	85	25	those	those	PRON
fsr-3355	85	26	of	of	ADP
fsr-3355	85	27	black	black	ADJ
fsr-3355	85	28	consumers	consumer	NOUN
fsr-3355	85	29	(	(	PUNCT
fsr-3355	85	30	martin	martin	PROPN
fsr-3355	85	31	&	&	CCONJ
fsr-3355	85	32	dwyer	dwyer	PROPN
fsr-3355	85	33	,	,	PUNCT
fsr-3355	85	34	2021	2021	NUM
fsr-3355	85	35	)	)	PUNCT
fsr-3355	85	36	.	.	PUNCT
fsr-3355	86	1	it	it	PRON
fsr-3355	86	2	is	be	AUX
fsr-3355	86	3	imperative	imperative	ADJ
fsr-3355	86	4	to	to	PART
fsr-3355	86	5	understand	understand	VERB
fsr-3355	86	6	more	more	ADJ
fsr-3355	86	7	about	about	ADP
fsr-3355	86	8	these	these	DET
fsr-3355	86	9	disparities	disparity	NOUN
fsr-3355	86	10	in	in	ADP
fsr-3355	86	11	seeking	seek	VERB
fsr-3355	86	12	financial	financial	ADJ
fsr-3355	86	13	advice	advice	NOUN
fsr-3355	86	14	.	.	PUNCT
fsr-3355	87	1	based	base	VERB
fsr-3355	87	2	on	on	ADP
fsr-3355	87	3	prior	prior	ADJ
fsr-3355	87	4	literature	literature	NOUN
fsr-3355	87	5	and	and	CCONJ
fsr-3355	87	6	theoretical	theoretical	ADJ
fsr-3355	87	7	considerations	consideration	NOUN
fsr-3355	87	8	,	,	PUNCT
fsr-3355	87	9	we	we	PRON
fsr-3355	87	10	propose	propose	VERB
fsr-3355	87	11	the	the	DET
fsr-3355	87	12	following	following	ADJ
fsr-3355	87	13	hypotheses	hypothesis	NOUN
fsr-3355	87	14	:	:	PUNCT
fsr-3355	87	15	h1	h1	NOUN
fsr-3355	87	16	:	:	PUNCT
fsr-3355	87	17	white	white	ADJ
fsr-3355	87	18	consumers	consumer	NOUN
fsr-3355	87	19	will	will	AUX
fsr-3355	87	20	be	be	AUX
fsr-3355	87	21	less	less	ADV
fsr-3355	87	22	likely	likely	ADJ
fsr-3355	87	23	to	to	PART
fsr-3355	87	24	seek	seek	VERB
fsr-3355	87	25	financial	financial	ADJ
fsr-3355	87	26	advice	advice	NOUN
fsr-3355	87	27	for	for	ADP
fsr-3355	87	28	savings	saving	NOUN
fsr-3355	87	29	and	and	CCONJ
fsr-3355	87	30	investing	investing	NOUN
fsr-3355	87	31	decisions	decision	NOUN
fsr-3355	87	32	when	when	SCONJ
fsr-3355	87	33	compared	compare	VERB
fsr-3355	87	34	to	to	ADP
fsr-3355	87	35	black	black	ADJ
fsr-3355	87	36	consumers	consumer	NOUN
fsr-3355	87	37	.	.	PUNCT
fsr-3355	88	1	h2a	h2a	PRON
fsr-3355	88	2	:	:	PUNCT
fsr-3355	88	3	hispanic	hispanic	ADJ
fsr-3355	88	4	consumers	consumer	NOUN
fsr-3355	88	5	will	will	AUX
fsr-3355	88	6	be	be	AUX
fsr-3355	88	7	less	less	ADV
fsr-3355	88	8	likely	likely	ADJ
fsr-3355	88	9	to	to	PART
fsr-3355	88	10	seek	seek	VERB
fsr-3355	88	11	financial	financial	ADJ
fsr-3355	88	12	advice	advice	NOUN
fsr-3355	88	13	for	for	ADP
fsr-3355	88	14	savings	saving	NOUN
fsr-3355	88	15	and	and	CCONJ
fsr-3355	88	16	investing	investing	NOUN
fsr-3355	88	17	decisions	decision	NOUN
fsr-3355	88	18	when	when	SCONJ
fsr-3355	88	19	compared	compare	VERB
fsr-3355	88	20	to	to	ADP
fsr-3355	88	21	black	black	ADJ
fsr-3355	88	22	consumers	consumer	NOUN
fsr-3355	88	23	.	.	PUNCT
fsr-3355	89	1	h2b	h2b	PROPN
fsr-3355	89	2	:	:	PUNCT
fsr-3355	89	3	hispanic	hispanic	ADJ
fsr-3355	89	4	consumers	consumer	NOUN
fsr-3355	89	5	will	will	AUX
fsr-3355	89	6	be	be	AUX
fsr-3355	89	7	less	less	ADV
fsr-3355	89	8	likely	likely	ADJ
fsr-3355	89	9	to	to	PART
fsr-3355	89	10	seek	seek	VERB
fsr-3355	89	11	financial	financial	ADJ
fsr-3355	89	12	advice	advice	NOUN
fsr-3355	89	13	for	for	ADP
fsr-3355	89	14	savings	saving	NOUN
fsr-3355	89	15	and	and	CCONJ
fsr-3355	89	16	investing	investing	NOUN
fsr-3355	89	17	decisions	decision	NOUN
fsr-3355	89	18	when	when	SCONJ
fsr-3355	89	19	compared	compare	VERB
fsr-3355	89	20	to	to	ADP
fsr-3355	89	21	white	white	ADJ
fsr-3355	89	22	consumers	consumer	NOUN
fsr-3355	89	23	.	.	PUNCT
fsr-3355	90	1	h3a	h3a	NOUN
fsr-3355	90	2	:	:	PUNCT
fsr-3355	90	3	asian	asian	ADJ
fsr-3355	90	4	consumers	consumer	NOUN
fsr-3355	90	5	will	will	AUX
fsr-3355	90	6	be	be	AUX
fsr-3355	90	7	less	less	ADV
fsr-3355	90	8	likely	likely	ADJ
fsr-3355	90	9	to	to	PART
fsr-3355	90	10	seek	seek	VERB
fsr-3355	90	11	financial	financial	ADJ
fsr-3355	90	12	advice	advice	NOUN
fsr-3355	90	13	for	for	ADP
fsr-3355	90	14	savings	saving	NOUN
fsr-3355	90	15	and	and	CCONJ
fsr-3355	90	16	investing	investing	NOUN
fsr-3355	90	17	decisions	decision	NOUN
fsr-3355	90	18	when	when	SCONJ
fsr-3355	90	19	compared	compare	VERB
fsr-3355	90	20	to	to	ADP
fsr-3355	90	21	black	black	ADJ
fsr-3355	90	22	consumers	consumer	NOUN
fsr-3355	90	23	.	.	PUNCT
fsr-3355	91	1	h3b	h3b	NOUN
fsr-3355	91	2	:	:	PUNCT
fsr-3355	91	3	asian	asian	ADJ
fsr-3355	91	4	consumers	consumer	NOUN
fsr-3355	91	5	will	will	AUX
fsr-3355	91	6	be	be	AUX
fsr-3355	91	7	less	less	ADV
fsr-3355	91	8	likely	likely	ADJ
fsr-3355	91	9	to	to	PART
fsr-3355	91	10	seek	seek	VERB
fsr-3355	91	11	financial	financial	ADJ
fsr-3355	91	12	advice	advice	NOUN
fsr-3355	91	13	for	for	ADP
fsr-3355	91	14	savings	saving	NOUN
fsr-3355	91	15	and	and	CCONJ
fsr-3355	91	16	investing	investing	NOUN
fsr-3355	91	17	decisions	decision	NOUN
fsr-3355	91	18	when	when	SCONJ
fsr-3355	91	19	compared	compare	VERB
fsr-3355	91	20	to	to	ADP
fsr-3355	91	21	white	white	ADJ
fsr-3355	91	22	consumers	consumer	NOUN
fsr-3355	91	23	.	.	PUNCT
fsr-3355	92	1	h4	h4	NOUN
fsr-3355	92	2	:	:	PUNCT
fsr-3355	92	3	the	the	DET
fsr-3355	92	4	factors	factor	NOUN
fsr-3355	92	5	associated	associate	VERB
fsr-3355	92	6	with	with	ADP
fsr-3355	92	7	seeking	seek	VERB
fsr-3355	92	8	financial	financial	ADJ
fsr-3355	92	9	advice	advice	NOUN
fsr-3355	92	10	for	for	ADP
fsr-3355	92	11	savings	saving	NOUN
fsr-3355	92	12	and	and	CCONJ
fsr-3355	92	13	investing	investing	NOUN
fsr-3355	92	14	decisions	decision	NOUN
fsr-3355	92	15	will	will	AUX
fsr-3355	92	16	differ	differ	VERB
fsr-3355	92	17	across	across	ADP
fsr-3355	92	18	racial	racial	ADJ
fsr-3355	92	19	/	/	SYM
fsr-3355	92	20	ethnic	ethnic	ADJ
fsr-3355	92	21	groups	group	NOUN
fsr-3355	92	22	.	.	PUNCT
fsr-3355	93	1	h5	h5	PROPN
fsr-3355	93	2	:	:	PUNCT
fsr-3355	93	3	the	the	DET
fsr-3355	93	4	determinants	determinant	NOUN
fsr-3355	93	5	that	that	PRON
fsr-3355	93	6	explain	explain	VERB
fsr-3355	93	7	the	the	DET
fsr-3355	93	8	racial	racial	ADJ
fsr-3355	93	9	/	/	SYM
fsr-3355	93	10	ethnic	ethnic	ADJ
fsr-3355	93	11	disparities	disparity	NOUN
fsr-3355	93	12	in	in	ADP
fsr-3355	93	13	seeking	seek	VERB
fsr-3355	93	14	financial	financial	ADJ
fsr-3355	93	15	advice	advice	NOUN
fsr-3355	93	16	for	for	ADP
fsr-3355	93	17	savings	saving	NOUN
fsr-3355	93	18	and	and	CCONJ
fsr-3355	93	19	investing	investing	NOUN
fsr-3355	93	20	decisions	decision	NOUN
fsr-3355	93	21	will	will	AUX
fsr-3355	93	22	differ	differ	VERB
fsr-3355	93	23	between	between	ADP
fsr-3355	93	24	racial	racial	ADJ
fsr-3355	93	25	/	/	SYM
fsr-3355	93	26	ethnic	ethnic	ADJ
fsr-3355	93	27	groups	group	NOUN
fsr-3355	93	28	.	.	PUNCT
fsr-3355	94	1	methods	method	NOUN
fsr-3355	94	2	dataset	dataset	VERB
fsr-3355	94	3	and	and	CCONJ
fsr-3355	94	4	sample	sample	VERB
fsr-3355	94	5	this	this	DET
fsr-3355	94	6	study	study	NOUN
fsr-3355	94	7	utilizes	utilize	VERB
fsr-3355	94	8	the	the	DET
fsr-3355	94	9	2016	2016	NUM
fsr-3355	94	10	and	and	CCONJ
fsr-3355	94	11	2019	2019	NUM
fsr-3355	94	12	waves	wave	NOUN
fsr-3355	94	13	of	of	ADP
fsr-3355	94	14	the	the	DET
fsr-3355	94	15	survey	survey	NOUN
fsr-3355	94	16	of	of	ADP
fsr-3355	94	17	consumer	consumer	NOUN
fsr-3355	94	18	finances	finance	NOUN
fsr-3355	94	19	(	(	PUNCT
fsr-3355	94	20	scf	scf	PROPN
fsr-3355	94	21	)	)	PUNCT
fsr-3355	94	22	,	,	PUNCT
fsr-3355	94	23	a	a	DET
fsr-3355	94	24	nationally	nationally	ADV
fsr-3355	94	25	representative	representative	ADJ
fsr-3355	94	26	triennial	triennial	ADJ
fsr-3355	94	27	cross	cross	ADJ
fsr-3355	94	28	-	-	ADJ
fsr-3355	94	29	sectional	sectional	ADJ
fsr-3355	94	30	survey	survey	NOUN
fsr-3355	94	31	of	of	ADP
fsr-3355	94	32	families	family	NOUN
fsr-3355	94	33	in	in	ADP
fsr-3355	94	34	the	the	DET
fsr-3355	94	35	united	united	PROPN
fsr-3355	94	36	states	states	PROPN
fsr-3355	94	37	.	.	PUNCT
fsr-3355	95	1	the	the	DET
fsr-3355	95	2	scf	scf	PROPN
fsr-3355	95	3	,	,	PUNCT
fsr-3355	95	4	sponsored	sponsor	VERB
fsr-3355	95	5	by	by	ADP
fsr-3355	95	6	the	the	DET
fsr-3355	95	7	federal	federal	PROPN
fsr-3355	95	8	reserve	reserve	PROPN
fsr-3355	95	9	board	board	PROPN
fsr-3355	95	10	,	,	PUNCT
fsr-3355	95	11	collects	collect	VERB
fsr-3355	95	12	consumer	consumer	NOUN
fsr-3355	95	13	data	datum	NOUN
fsr-3355	95	14	on	on	ADP
fsr-3355	95	15	various	various	ADJ
fsr-3355	95	16	topics	topic	NOUN
fsr-3355	95	17	.	.	PUNCT
fsr-3355	96	1	for	for	ADP
fsr-3355	96	2	the	the	DET
fsr-3355	96	3	2016	2016	NUM
fsr-3355	96	4	wave	wave	NOUN
fsr-3355	96	5	of	of	ADP
fsr-3355	96	6	the	the	DET
fsr-3355	96	7	survey	survey	NOUN
fsr-3355	96	8	,	,	PUNCT
fsr-3355	96	9	6,248	6,248	NUM
fsr-3355	96	10	households	household	NOUN
fsr-3355	96	11	were	be	AUX
fsr-3355	96	12	interviewed	interview	VERB
fsr-3355	96	13	,	,	PUNCT
fsr-3355	96	14	and	and	CCONJ
fsr-3355	96	15	5,777	5,777	NUM
fsr-3355	96	16	households	household	NOUN
fsr-3355	96	17	were	be	AUX
fsr-3355	96	18	interviewed	interview	VERB
fsr-3355	96	19	for	for	ADP
fsr-3355	96	20	the	the	DET
fsr-3355	96	21	2019	2019	NUM
fsr-3355	96	22	survey	survey	NOUN
fsr-3355	96	23	.	.	PUNCT
fsr-3355	97	1	multiple	multiple	ADJ
fsr-3355	97	2	imputation	imputation	NOUN
fsr-3355	97	3	is	be	AUX
fsr-3355	97	4	used	use	VERB
fsr-3355	97	5	within	within	ADP
fsr-3355	97	6	the	the	DET
fsr-3355	97	7	scf	scf	NOUN
fsr-3355	97	8	to	to	PART
fsr-3355	97	9	provide	provide	VERB
fsr-3355	97	10	respondent	respondent	NOUN
fsr-3355	97	11	privacy	privacy	NOUN
fsr-3355	97	12	and	and	CCONJ
fsr-3355	97	13	avoid	avoid	VERB
fsr-3355	97	14	missing	miss	VERB
fsr-3355	97	15	data	datum	NOUN
fsr-3355	97	16	.	.	PUNCT
fsr-3355	98	1	multiple	multiple	ADJ
fsr-3355	98	2	imputation	imputation	NOUN
fsr-3355	98	3	produces	produce	VERB
fsr-3355	98	4	five	five	NUM
fsr-3355	98	5	sets	set	NOUN
fsr-3355	98	6	of	of	ADP
fsr-3355	98	7	data	datum	NOUN
fsr-3355	98	8	,	,	PUNCT
fsr-3355	98	9	called	call	VERB
fsr-3355	98	10	implicates	implicate	NOUN
fsr-3355	98	11	,	,	PUNCT
fsr-3355	98	12	for	for	ADP
fsr-3355	98	13	each	each	DET
fsr-3355	98	14	respondent	respondent	NOUN
fsr-3355	98	15	,	,	PUNCT
fsr-3355	98	16	representing	represent	VERB
fsr-3355	98	17	a	a	DET
fsr-3355	98	18	range	range	NOUN
fsr-3355	98	19	of	of	ADP
fsr-3355	98	20	likely	likely	ADJ
fsr-3355	98	21	responses	response	NOUN
fsr-3355	98	22	(	(	PUNCT
fsr-3355	98	23	lindamood	lindamood	NOUN
fsr-3355	98	24	et	et	PROPN
fsr-3355	98	25	al	al	PROPN
fsr-3355	98	26	.	.	PROPN
fsr-3355	98	27	,	,	PUNCT
fsr-3355	98	28	2007	2007	NUM
fsr-3355	98	29	)	)	PUNCT
fsr-3355	98	30	.	.	PUNCT
fsr-3355	99	1	previous	previous	ADJ
fsr-3355	99	2	literature	literature	NOUN
fsr-3355	99	3	(	(	PUNCT
fsr-3355	99	4	lindamood	lindamood	NOUN
fsr-3355	99	5	et	et	PROPN
fsr-3355	99	6	al	al	PROPN
fsr-3355	99	7	.	.	PROPN
fsr-3355	99	8	,	,	PUNCT
fsr-3355	99	9	2007	2007	NUM
fsr-3355	99	10	;	;	PUNCT
fsr-3355	99	11	rubin	rubin	PROPN
fsr-3355	99	12	,	,	PUNCT
fsr-3355	99	13	1987	1987	NUM
fsr-3355	99	14	)	)	PUNCT
fsr-3355	99	15	recommends	recommend	VERB
fsr-3355	99	16	using	use	VERB
fsr-3355	99	17	all	all	DET
fsr-3355	99	18	five	five	NUM
fsr-3355	99	19	implicates	implicate	NOUN
fsr-3355	99	20	via	via	ADP
fsr-3355	99	21	repeated	repeat	VERB
fsr-3355	99	22	imputation	imputation	NOUN
fsr-3355	99	23	inference	inference	NOUN
fsr-3355	99	24	(	(	PUNCT
fsr-3355	99	25	rii	rii	NOUN
fsr-3355	99	26	)	)	PUNCT
fsr-3355	99	27	.	.	PUNCT
fsr-3355	100	1	as	as	ADP
fsr-3355	100	2	such	such	ADJ
fsr-3355	100	3	,	,	PUNCT
fsr-3355	100	4	the	the	DET
fsr-3355	100	5	current	current	ADJ
fsr-3355	100	6	study	study	NOUN
fsr-3355	100	7	uses	uses	AUX
fsr-3355	100	8	rii	rii	VERB
fsr-3355	100	9	to	to	PART
fsr-3355	100	10	apply	apply	VERB
fsr-3355	100	11	all	all	DET
fsr-3355	100	12	five	five	NUM
fsr-3355	100	13	implicates	implicate	NOUN
fsr-3355	100	14	(	(	PUNCT
fsr-3355	100	15	montalto	montalto	PROPN
fsr-3355	100	16	&	&	CCONJ
fsr-3355	100	17	sung	sung	PROPN
fsr-3355	100	18	,	,	PUNCT
fsr-3355	100	19	1996	1996	NUM
fsr-3355	100	20	)	)	PUNCT
fsr-3355	100	21	.	.	PUNCT
fsr-3355	101	1	according	accord	VERB
fsr-3355	101	2	to	to	ADP
fsr-3355	101	3	pence	penny	NOUN
fsr-3355	101	4	(	(	PUNCT
fsr-3355	101	5	2015	2015	NUM
fsr-3355	101	6	)	)	PUNCT
fsr-3355	101	7	,	,	PUNCT
fsr-3355	101	8	the	the	DET
fsr-3355	101	9	“	"	PUNCT
fsr-3355	101	10	scfcombo	scfcombo	NOUN
fsr-3355	101	11	”	"	PUNCT
fsr-3355	101	12	command	command	NOUN
fsr-3355	101	13	in	in	ADP
fsr-3355	101	14	stata	stata	PROPN
fsr-3355	101	15	qing	qing	PROPN
fsr-3355	101	16	&	&	CCONJ
fsr-3355	101	17	reiter	reiter	PROPN
fsr-3355	101	18	31	31	NUM
fsr-3355	101	19	software	software	NOUN
fsr-3355	101	20	combines	combine	VERB
fsr-3355	101	21	imputation	imputation	NOUN
fsr-3355	101	22	uncertainty	uncertainty	NOUN
fsr-3355	101	23	and	and	CCONJ
fsr-3355	101	24	bootstrapped	bootstrappe	VERB
fsr-3355	101	25	standard	standard	ADJ
fsr-3355	101	26	errors	error	NOUN
fsr-3355	101	27	;	;	PUNCT
fsr-3355	101	28	in	in	ADP
fsr-3355	101	29	other	other	ADJ
fsr-3355	101	30	words	word	NOUN
fsr-3355	101	31	,	,	PUNCT
fsr-3355	101	32	this	this	DET
fsr-3355	101	33	command	command	NOUN
fsr-3355	101	34	applies	apply	VERB
fsr-3355	101	35	rii	rii	VERB
fsr-3355	101	36	to	to	PART
fsr-3355	101	37	improve	improve	VERB
fsr-3355	101	38	the	the	DET
fsr-3355	101	39	accuracy	accuracy	NOUN
fsr-3355	101	40	of	of	ADP
fsr-3355	101	41	the	the	DET
fsr-3355	101	42	estimation	estimation	NOUN
fsr-3355	101	43	.	.	PUNCT
fsr-3355	102	1	previous	previous	ADJ
fsr-3355	102	2	studies	study	NOUN
fsr-3355	102	3	using	use	VERB
fsr-3355	102	4	the	the	DET
fsr-3355	102	5	survey	survey	NOUN
fsr-3355	102	6	of	of	ADP
fsr-3355	102	7	consumer	consumer	NOUN
fsr-3355	102	8	finances	finance	NOUN
fsr-3355	102	9	(	(	PUNCT
fsr-3355	102	10	chang	chang	PROPN
fsr-3355	102	11	,	,	PUNCT
fsr-3355	102	12	2005	2005	NUM
fsr-3355	102	13	;	;	PUNCT
fsr-3355	102	14	lei	lei	PROPN
fsr-3355	102	15	&	&	CCONJ
fsr-3355	102	16	kordes	kordes	PROPN
fsr-3355	102	17	,	,	PUNCT
fsr-3355	102	18	2020	2020	NUM
fsr-3355	102	19	;	;	PUNCT
fsr-3355	102	20	white	white	PROPN
fsr-3355	102	21	&	&	CCONJ
fsr-3355	102	22	heckman	heckman	PROPN
fsr-3355	102	23	,	,	PUNCT
fsr-3355	102	24	2016	2016	NUM
fsr-3355	102	25	)	)	PUNCT
fsr-3355	102	26	applied	apply	VERB
fsr-3355	102	27	weights	weight	NOUN
fsr-3355	102	28	for	for	ADP
fsr-3355	102	29	descriptive	descriptive	ADJ
fsr-3355	102	30	statistics	statistic	NOUN
fsr-3355	102	31	.	.	PUNCT
fsr-3355	103	1	however	however	ADV
fsr-3355	103	2	,	,	PUNCT
fsr-3355	103	3	applying	apply	VERB
fsr-3355	103	4	weights	weight	NOUN
fsr-3355	103	5	to	to	ADP
fsr-3355	103	6	logistic	logistic	ADJ
fsr-3355	103	7	regression	regression	NOUN
fsr-3355	103	8	models	model	NOUN
fsr-3355	103	9	has	have	AUX
fsr-3355	103	10	yielded	yield	VERB
fsr-3355	103	11	more	more	ADJ
fsr-3355	103	12	conservative	conservative	ADJ
fsr-3355	103	13	results	result	NOUN
fsr-3355	103	14	(	(	PUNCT
fsr-3355	103	15	lindamood	lindamood	NOUN
fsr-3355	103	16	et	et	PROPN
fsr-3355	103	17	al	al	PROPN
fsr-3355	103	18	.	.	PROPN
fsr-3355	103	19	,	,	PUNCT
fsr-3355	103	20	2007	2007	NUM
fsr-3355	103	21	)	)	PUNCT
fsr-3355	103	22	.	.	PUNCT
fsr-3355	104	1	therefore	therefore	ADV
fsr-3355	104	2	,	,	PUNCT
fsr-3355	104	3	we	we	PRON
fsr-3355	104	4	applied	apply	VERB
fsr-3355	104	5	weights	weight	NOUN
fsr-3355	104	6	to	to	ADP
fsr-3355	104	7	our	our	PRON
fsr-3355	104	8	descriptive	descriptive	ADJ
fsr-3355	104	9	analyses	analysis	NOUN
fsr-3355	104	10	but	but	CCONJ
fsr-3355	104	11	not	not	PART
fsr-3355	104	12	to	to	ADP
fsr-3355	104	13	the	the	DET
fsr-3355	104	14	regression	regression	NOUN
fsr-3355	104	15	models	model	NOUN
fsr-3355	104	16	,	,	PUNCT
fsr-3355	104	17	consistent	consistent	ADJ
fsr-3355	104	18	with	with	ADP
fsr-3355	104	19	previous	previous	ADJ
fsr-3355	104	20	research	research	NOUN
fsr-3355	104	21	(	(	PUNCT
fsr-3355	104	22	e.g.	e.g.	ADV
fsr-3355	104	23	,	,	PUNCT
fsr-3355	104	24	shin	shin	PROPN
fsr-3355	104	25	&	&	CCONJ
fsr-3355	104	26	hanna	hanna	PROPN
fsr-3355	104	27	(	(	PUNCT
fsr-3355	104	28	2015	2015	NUM
fsr-3355	104	29	)	)	PUNCT
fsr-3355	104	30	)	)	PUNCT
fsr-3355	104	31	.	.	PUNCT
fsr-3355	105	1	dependent	dependent	ADJ
fsr-3355	105	2	variable	variable	NOUN
fsr-3355	105	3	there	there	PRON
fsr-3355	105	4	were	be	VERB
fsr-3355	105	5	two	two	NUM
fsr-3355	105	6	questions	question	NOUN
fsr-3355	105	7	asked	ask	VERB
fsr-3355	105	8	in	in	ADP
fsr-3355	105	9	the	the	DET
fsr-3355	105	10	2016	2016	NUM
fsr-3355	105	11	and	and	CCONJ
fsr-3355	105	12	2019	2019	NUM
fsr-3355	105	13	waves	wave	NOUN
fsr-3355	105	14	of	of	ADP
fsr-3355	105	15	the	the	DET
fsr-3355	105	16	scf	scf	NOUN
fsr-3355	105	17	related	relate	VERB
fsr-3355	105	18	to	to	ADP
fsr-3355	105	19	financial	financial	ADJ
fsr-3355	105	20	advice	advice	NOUN
fsr-3355	105	21	seeking	seek	VERB
fsr-3355	105	22	:	:	PUNCT
fsr-3355	105	23	(	(	PUNCT
fsr-3355	105	24	1	1	X
fsr-3355	105	25	)	)	PUNCT
fsr-3355	105	26	“	"	PUNCT
fsr-3355	105	27	what	what	PRON
fsr-3355	105	28	sources	source	NOUN
fsr-3355	105	29	of	of	ADP
fsr-3355	105	30	information	information	NOUN
fsr-3355	105	31	do	do	AUX
fsr-3355	105	32	you	you	PRON
fsr-3355	105	33	(	(	PUNCT
fsr-3355	105	34	and	and	CCONJ
fsr-3355	105	35	your	your	PRON
fsr-3355	105	36	husband	husband	NOUN
fsr-3355	105	37	/	/	SYM
fsr-3355	105	38	wife	wife	NOUN
fsr-3355	105	39	/	/	SYM
fsr-3355	105	40	partner	partner	NOUN
fsr-3355	105	41	)	)	PUNCT
fsr-3355	105	42	use	use	NOUN
fsr-3355	105	43	to	to	PART
fsr-3355	105	44	make	make	VERB
fsr-3355	105	45	decisions	decision	NOUN
fsr-3355	105	46	about	about	ADP
fsr-3355	105	47	borrowing	borrowing	NOUN
fsr-3355	105	48	or	or	CCONJ
fsr-3355	105	49	credit	credit	NOUN
fsr-3355	105	50	?	?	PUNCT
fsr-3355	105	51	”	"	PUNCT
fsr-3355	106	1	and	and	CCONJ
fsr-3355	106	2	(	(	PUNCT
fsr-3355	106	3	2	2	X
fsr-3355	106	4	)	)	PUNCT
fsr-3355	106	5	what	what	PRON
fsr-3355	106	6	sources	source	NOUN
fsr-3355	106	7	of	of	ADP
fsr-3355	106	8	information	information	NOUN
fsr-3355	106	9	do	do	AUX
fsr-3355	106	10	you	you	PRON
fsr-3355	106	11	(	(	PUNCT
fsr-3355	106	12	and	and	CCONJ
fsr-3355	106	13	your	your	PRON
fsr-3355	106	14	husband	husband	NOUN
fsr-3355	106	15	/	/	SYM
fsr-3355	106	16	wife	wife	NOUN
fsr-3355	106	17	/	/	SYM
fsr-3355	106	18	partner	partner	NOUN
fsr-3355	106	19	)	)	PUNCT
fsr-3355	106	20	use	use	NOUN
fsr-3355	106	21	to	to	PART
fsr-3355	106	22	make	make	VERB
fsr-3355	106	23	decisions	decision	NOUN
fsr-3355	106	24	about	about	ADP
fsr-3355	106	25	saving	saving	NOUN
fsr-3355	106	26	and	and	CCONJ
fsr-3355	106	27	investments	investment	NOUN
fsr-3355	106	28	?	?	PUNCT
fsr-3355	106	29	”	"	PUNCT
fsr-3355	106	30	.	.	PUNCT
fsr-3355	107	1	for	for	ADP
fsr-3355	107	2	the	the	DET
fsr-3355	107	3	current	current	ADJ
fsr-3355	107	4	study	study	NOUN
fsr-3355	107	5	,	,	PUNCT
fsr-3355	107	6	the	the	DET
fsr-3355	107	7	authors	author	NOUN
fsr-3355	107	8	are	be	AUX
fsr-3355	107	9	mostly	mostly	ADV
fsr-3355	107	10	concerned	concerned	ADJ
fsr-3355	107	11	with	with	ADP
fsr-3355	107	12	consumers	consumer	NOUN
fsr-3355	107	13	’	'	PUNCT
fsr-3355	107	14	decisions	decision	NOUN
fsr-3355	107	15	related	relate	VERB
fsr-3355	107	16	to	to	ADP
fsr-3355	107	17	using	use	VERB
fsr-3355	107	18	a	a	DET
fsr-3355	107	19	financial	financial	ADJ
fsr-3355	107	20	planner	planner	NOUN
fsr-3355	107	21	in	in	ADP
fsr-3355	107	22	a	a	DET
fsr-3355	107	23	more	more	ADV
fsr-3355	107	24	traditional	traditional	ADJ
fsr-3355	107	25	sense	sense	NOUN
fsr-3355	107	26	,	,	PUNCT
fsr-3355	107	27	which	which	PRON
fsr-3355	107	28	would	would	AUX
fsr-3355	107	29	include	include	VERB
fsr-3355	107	30	seeking	seek	VERB
fsr-3355	107	31	help	help	NOUN
fsr-3355	107	32	for	for	ADP
fsr-3355	107	33	investments	investment	NOUN
fsr-3355	107	34	and	and	CCONJ
fsr-3355	107	35	savings	saving	NOUN
fsr-3355	107	36	rather	rather	ADV
fsr-3355	107	37	than	than	ADP
fsr-3355	107	38	debt	debt	NOUN
fsr-3355	107	39	or	or	CCONJ
fsr-3355	107	40	credit	credit	NOUN
fsr-3355	107	41	.	.	PUNCT
fsr-3355	108	1	the	the	DET
fsr-3355	108	2	scf	scf	PROPN
fsr-3355	108	3	provides	provide	VERB
fsr-3355	108	4	many	many	ADJ
fsr-3355	108	5	answer	answer	NOUN
fsr-3355	108	6	choices	choice	NOUN
fsr-3355	108	7	for	for	ADP
fsr-3355	108	8	information	information	NOUN
fsr-3355	108	9	sources	source	NOUN
fsr-3355	108	10	,	,	PUNCT
fsr-3355	108	11	including	include	VERB
fsr-3355	108	12	service	service	NOUN
fsr-3355	108	13	professionals	professional	NOUN
fsr-3355	108	14	such	such	ADJ
fsr-3355	108	15	as	as	ADP
fsr-3355	108	16	lawyers	lawyer	NOUN
fsr-3355	108	17	,	,	PUNCT
fsr-3355	108	18	accountants	accountant	NOUN
fsr-3355	108	19	,	,	PUNCT
fsr-3355	108	20	bankers	banker	NOUN
fsr-3355	108	21	,	,	PUNCT
fsr-3355	108	22	brokers	broker	NOUN
fsr-3355	108	23	,	,	PUNCT
fsr-3355	108	24	and	and	CCONJ
fsr-3355	108	25	financial	financial	ADJ
fsr-3355	108	26	planners	planner	NOUN
fsr-3355	108	27	.	.	PUNCT
fsr-3355	109	1	however	however	ADV
fsr-3355	109	2	,	,	PUNCT
fsr-3355	109	3	the	the	DET
fsr-3355	109	4	“	"	PUNCT
fsr-3355	109	5	financial	financial	ADJ
fsr-3355	109	6	planner	planner	NOUN
fsr-3355	109	7	”	"	PUNCT
fsr-3355	109	8	answer	answer	NOUN
fsr-3355	109	9	choice	choice	NOUN
fsr-3355	109	10	was	be	AUX
fsr-3355	109	11	the	the	DET
fsr-3355	109	12	only	only	ADJ
fsr-3355	109	13	one	one	NUM
fsr-3355	109	14	used	use	VERB
fsr-3355	109	15	for	for	ADP
fsr-3355	109	16	the	the	DET
fsr-3355	109	17	current	current	ADJ
fsr-3355	109	18	study	study	NOUN
fsr-3355	109	19	.	.	PUNCT
fsr-3355	110	1	the	the	DET
fsr-3355	110	2	responses	response	NOUN
fsr-3355	110	3	were	be	AUX
fsr-3355	110	4	coded	code	VERB
fsr-3355	110	5	as	as	ADP
fsr-3355	110	6	1	1	NUM
fsr-3355	110	7	if	if	SCONJ
fsr-3355	110	8	respondents	respondent	NOUN
fsr-3355	110	9	chose	choose	VERB
fsr-3355	110	10	“	"	PUNCT
fsr-3355	110	11	financial	financial	ADJ
fsr-3355	110	12	planner	planner	NOUN
fsr-3355	110	13	”	"	PUNCT
fsr-3355	110	14	and	and	CCONJ
fsr-3355	110	15	0	0	NUM
fsr-3355	110	16	if	if	SCONJ
fsr-3355	110	17	they	they	PRON
fsr-3355	110	18	did	do	VERB
fsr-3355	110	19	not	not	PART
fsr-3355	110	20	.	.	PUNCT
fsr-3355	111	1	if	if	SCONJ
fsr-3355	111	2	respondents	respondent	NOUN
fsr-3355	111	3	chose	choose	VERB
fsr-3355	111	4	“	"	PUNCT
fsr-3355	111	5	other	other	ADJ
fsr-3355	111	6	”	"	PUNCT
fsr-3355	111	7	or	or	CCONJ
fsr-3355	111	8	“	"	PUNCT
fsr-3355	111	9	inappropriate	inappropriate	ADJ
fsr-3355	111	10	,	,	PUNCT
fsr-3355	111	11	”	"	PUNCT
fsr-3355	111	12	the	the	DET
fsr-3355	111	13	responses	response	NOUN
fsr-3355	111	14	were	be	AUX
fsr-3355	111	15	coded	code	VERB
fsr-3355	111	16	as	as	ADP
fsr-3355	111	17	missing	miss	VERB
fsr-3355	111	18	values	value	NOUN
fsr-3355	111	19	.	.	PUNCT
fsr-3355	112	1	independent	independent	ADJ
fsr-3355	112	2	variables	variable	NOUN
fsr-3355	112	3	the	the	DET
fsr-3355	112	4	factors	factor	NOUN
fsr-3355	112	5	associated	associate	VERB
fsr-3355	112	6	with	with	ADP
fsr-3355	112	7	financial	financial	ADJ
fsr-3355	112	8	planner	planner	NOUN
fsr-3355	112	9	use	use	NOUN
fsr-3355	112	10	have	have	AUX
fsr-3355	112	11	been	be	AUX
fsr-3355	112	12	well	well	ADV
fsr-3355	112	13	-	-	PUNCT
fsr-3355	112	14	investigated	investigate	VERB
fsr-3355	112	15	.	.	PUNCT
fsr-3355	113	1	independent	independent	ADJ
fsr-3355	113	2	variables	variable	NOUN
fsr-3355	113	3	included	include	VERB
fsr-3355	113	4	race	race	NOUN
fsr-3355	113	5	/	/	SYM
fsr-3355	113	6	ethnicity	ethnicity	NOUN
fsr-3355	113	7	,	,	PUNCT
fsr-3355	113	8	gender	gender	NOUN
fsr-3355	113	9	,	,	PUNCT
fsr-3355	113	10	age	age	NOUN
fsr-3355	113	11	,	,	PUNCT
fsr-3355	113	12	marital	marital	ADJ
fsr-3355	113	13	status	status	NOUN
fsr-3355	113	14	,	,	PUNCT
fsr-3355	113	15	income	income	NOUN
fsr-3355	113	16	,	,	PUNCT
fsr-3355	113	17	net	net	ADJ
fsr-3355	113	18	worth	worth	NOUN
fsr-3355	113	19	,	,	PUNCT
fsr-3355	113	20	risk	risk	NOUN
fsr-3355	113	21	tolerance	tolerance	NOUN
fsr-3355	113	22	,	,	PUNCT
fsr-3355	113	23	investment	investment	NOUN
fsr-3355	113	24	horizon	horizon	NOUN
fsr-3355	113	25	,	,	PUNCT
fsr-3355	113	26	subjective	subjective	ADJ
fsr-3355	113	27	knowledge	knowledge	NOUN
fsr-3355	113	28	,	,	PUNCT
fsr-3355	113	29	objective	objective	ADJ
fsr-3355	113	30	knowledge	knowledge	NOUN
fsr-3355	113	31	,	,	PUNCT
fsr-3355	113	32	household	household	NOUN
fsr-3355	113	33	size	size	NOUN
fsr-3355	113	34	,	,	PUNCT
fsr-3355	113	35	educational	educational	ADJ
fsr-3355	113	36	attainment	attainment	NOUN
fsr-3355	113	37	,	,	PUNCT
fsr-3355	113	38	homeownership	homeownership	NOUN
fsr-3355	113	39	,	,	PUNCT
fsr-3355	113	40	employment	employment	NOUN
fsr-3355	113	41	status	status	NOUN
fsr-3355	113	42	,	,	PUNCT
fsr-3355	113	43	and	and	CCONJ
fsr-3355	113	44	emergency	emergency	NOUN
fsr-3355	113	45	account	account	NOUN
fsr-3355	113	46	access	access	NOUN
fsr-3355	113	47	.	.	PUNCT
fsr-3355	114	1	race	race	NOUN
fsr-3355	114	2	/	/	SYM
fsr-3355	114	3	ethnicity	ethnicity	NOUN
fsr-3355	114	4	,	,	PUNCT
fsr-3355	114	5	as	as	SCONJ
fsr-3355	114	6	categorized	categorize	VERB
fsr-3355	114	7	in	in	ADP
fsr-3355	114	8	the	the	DET
fsr-3355	114	9	survey	survey	NOUN
fsr-3355	114	10	of	of	ADP
fsr-3355	114	11	consumer	consumer	NOUN
fsr-3355	114	12	finances	finance	NOUN
fsr-3355	114	13	,	,	PUNCT
fsr-3355	114	14	includes	include	VERB
fsr-3355	114	15	black	black	ADJ
fsr-3355	114	16	/	/	SYM
fsr-3355	114	17	african	african	ADJ
fsr-3355	114	18	american	american	ADJ
fsr-3355	114	19	,	,	PUNCT
fsr-3355	114	20	hispanic	hispanic	ADJ
fsr-3355	114	21	/	/	SYM
fsr-3355	114	22	latino	latino	ADJ
fsr-3355	114	23	,	,	PUNCT
fsr-3355	114	24	asian	asian	ADJ
fsr-3355	114	25	,	,	PUNCT
fsr-3355	114	26	american	american	PROPN
fsr-3355	114	27	indian	indian	PROPN
fsr-3355	114	28	/	/	SYM
fsr-3355	114	29	alaska	alaska	PROPN
fsr-3355	114	30	native	native	NOUN
fsr-3355	114	31	,	,	PUNCT
fsr-3355	114	32	native	native	ADJ
fsr-3355	114	33	hawaiian	hawaiian	PROPN
fsr-3355	114	34	/	/	SYM
fsr-3355	114	35	pacific	pacific	PROPN
fsr-3355	114	36	islander	islander	PROPN
fsr-3355	114	37	,	,	PUNCT
fsr-3355	114	38	and	and	CCONJ
fsr-3355	114	39	white	white	ADJ
fsr-3355	114	40	.	.	PUNCT
fsr-3355	115	1	for	for	ADP
fsr-3355	115	2	the	the	DET
fsr-3355	115	3	current	current	ADJ
fsr-3355	115	4	study	study	NOUN
fsr-3355	115	5	,	,	PUNCT
fsr-3355	115	6	race	race	NOUN
fsr-3355	115	7	/	/	SYM
fsr-3355	115	8	ethnicity	ethnicity	NOUN
fsr-3355	115	9	was	be	AUX
fsr-3355	115	10	grouped	group	VERB
fsr-3355	115	11	into	into	ADP
fsr-3355	115	12	four	four	NUM
fsr-3355	115	13	categories	category	NOUN
fsr-3355	115	14	:	:	PUNCT
fsr-3355	115	15	white	white	ADJ
fsr-3355	115	16	,	,	PUNCT
fsr-3355	115	17	black	black	ADJ
fsr-3355	115	18	,	,	PUNCT
fsr-3355	115	19	hispanic	hispanic	ADJ
fsr-3355	115	20	,	,	PUNCT
fsr-3355	115	21	and	and	CCONJ
fsr-3355	115	22	asian	asian	ADJ
fsr-3355	115	23	/	/	SYM
fsr-3355	115	24	other	other	ADJ
fsr-3355	115	25	.	.	PUNCT
fsr-3355	116	1	the	the	DET
fsr-3355	116	2	asian	asian	ADJ
fsr-3355	116	3	/	/	SYM
fsr-3355	116	4	other	other	ADJ
fsr-3355	116	5	category	category	NOUN
fsr-3355	116	6	is	be	AUX
fsr-3355	116	7	made	make	VERB
fsr-3355	116	8	up	up	ADP
fsr-3355	116	9	of	of	ADP
fsr-3355	116	10	mostly	mostly	ADV
fsr-3355	116	11	asian	asian	ADJ
fsr-3355	116	12	respondents	respondent	NOUN
fsr-3355	116	13	(	(	PUNCT
fsr-3355	116	14	hanna	hanna	PROPN
fsr-3355	116	15	&	&	CCONJ
fsr-3355	116	16	lindamood	lindamood	NOUN
fsr-3355	116	17	,	,	PUNCT
fsr-3355	116	18	2015	2015	NUM
fsr-3355	116	19	)	)	PUNCT
fsr-3355	116	20	but	but	CCONJ
fsr-3355	116	21	also	also	ADV
fsr-3355	116	22	includes	include	VERB
fsr-3355	116	23	american	american	PROPN
fsr-3355	116	24	indian	indian	PROPN
fsr-3355	116	25	/	/	SYM
fsr-3355	116	26	alaska	alaska	PROPN
fsr-3355	116	27	native	native	NOUN
fsr-3355	116	28	,	,	PUNCT
fsr-3355	116	29	native	native	ADJ
fsr-3355	116	30	hawaiian	hawaiian	PROPN
fsr-3355	116	31	/	/	SYM
fsr-3355	116	32	pacific	pacific	PROPN
fsr-3355	116	33	islander	islander	PROPN
fsr-3355	116	34	,	,	PUNCT
fsr-3355	116	35	and	and	CCONJ
fsr-3355	116	36	anyone	anyone	PRON
fsr-3355	116	37	who	who	PRON
fsr-3355	116	38	chose	choose	VERB
fsr-3355	116	39	“	"	PUNCT
fsr-3355	116	40	another	another	DET
fsr-3355	116	41	race	race	NOUN
fsr-3355	116	42	.	.	PUNCT
fsr-3355	116	43	”	"	PUNCT
fsr-3355	117	1	combining	combine	VERB
fsr-3355	117	2	these	these	DET
fsr-3355	117	3	groups	group	NOUN
fsr-3355	117	4	into	into	ADP
fsr-3355	117	5	one	one	NUM
fsr-3355	117	6	was	be	AUX
fsr-3355	117	7	necessary	necessary	ADJ
fsr-3355	117	8	due	due	ADP
fsr-3355	117	9	to	to	ADP
fsr-3355	117	10	the	the	DET
fsr-3355	117	11	low	low	ADJ
fsr-3355	117	12	sample	sample	NOUN
fsr-3355	117	13	sizes	size	NOUN
fsr-3355	117	14	of	of	ADP
fsr-3355	117	15	each	each	DET
fsr-3355	117	16	group	group	NOUN
fsr-3355	117	17	alone	alone	ADV
fsr-3355	117	18	.	.	PUNCT
fsr-3355	118	1	gender	gender	NOUN
fsr-3355	118	2	has	have	AUX
fsr-3355	118	3	been	be	AUX
fsr-3355	118	4	identified	identify	VERB
fsr-3355	118	5	as	as	ADP
fsr-3355	118	6	a	a	DET
fsr-3355	118	7	predictor	predictor	NOUN
fsr-3355	118	8	for	for	ADP
fsr-3355	118	9	financial	financial	ADJ
fsr-3355	118	10	advice	advice	NOUN
fsr-3355	118	11	.	.	PUNCT
fsr-3355	119	1	for	for	ADP
fsr-3355	119	2	example	example	NOUN
fsr-3355	119	3	,	,	PUNCT
fsr-3355	119	4	women	woman	NOUN
fsr-3355	119	5	are	be	AUX
fsr-3355	119	6	more	more	ADV
fsr-3355	119	7	likely	likely	ADJ
fsr-3355	119	8	to	to	PART
fsr-3355	119	9	pay	pay	VERB
fsr-3355	119	10	for	for	ADP
fsr-3355	119	11	financial	financial	ADJ
fsr-3355	119	12	advice	advice	NOUN
fsr-3355	119	13	compared	compare	VERB
fsr-3355	119	14	to	to	ADP
fsr-3355	119	15	men	man	NOUN
fsr-3355	119	16	and	and	CCONJ
fsr-3355	119	17	are	be	AUX
fsr-3355	119	18	more	more	ADV
fsr-3355	119	19	likely	likely	ADJ
fsr-3355	119	20	to	to	PART
fsr-3355	119	21	seek	seek	VERB
fsr-3355	119	22	advice	advice	NOUN
fsr-3355	119	23	for	for	ADP
fsr-3355	119	24	retirement	retirement	NOUN
fsr-3355	119	25	planning	planning	NOUN
fsr-3355	119	26	(	(	PUNCT
fsr-3355	119	27	finke	finke	PROPN
fsr-3355	119	28	et	et	PROPN
fsr-3355	119	29	al	al	PROPN
fsr-3355	119	30	.	.	PROPN
fsr-3355	119	31	,	,	PUNCT
fsr-3355	119	32	2011	2011	NUM
fsr-3355	119	33	;	;	PUNCT
fsr-3355	119	34	joo	joo	PROPN
fsr-3355	119	35	&	&	CCONJ
fsr-3355	119	36	grable	grable	PROPN
fsr-3355	119	37	,	,	PUNCT
fsr-3355	119	38	2001	2001	NUM
fsr-3355	119	39	)	)	PUNCT
fsr-3355	119	40	.	.	PUNCT
fsr-3355	120	1	if	if	SCONJ
fsr-3355	120	2	respondents	respondent	NOUN
fsr-3355	120	3	were	be	AUX
fsr-3355	120	4	women	woman	NOUN
fsr-3355	120	5	(	(	PUNCT
fsr-3355	120	6	or	or	CCONJ
fsr-3355	120	7	female	female	ADJ
fsr-3355	120	8	,	,	PUNCT
fsr-3355	120	9	as	as	SCONJ
fsr-3355	120	10	described	describe	VERB
fsr-3355	120	11	in	in	ADP
fsr-3355	120	12	the	the	DET
fsr-3355	120	13	survey	survey	NOUN
fsr-3355	120	14	)	)	PUNCT
fsr-3355	120	15	,	,	PUNCT
fsr-3355	120	16	the	the	DET
fsr-3355	120	17	value	value	NOUN
fsr-3355	120	18	was	be	AUX
fsr-3355	120	19	coded	code	VERB
fsr-3355	120	20	as	as	ADP
fsr-3355	120	21	1	1	NUM
fsr-3355	120	22	,	,	PUNCT
fsr-3355	120	23	and	and	CCONJ
fsr-3355	120	24	0	0	NUM
fsr-3355	121	1	if	if	SCONJ
fsr-3355	121	2	respondents	respondent	NOUN
fsr-3355	121	3	identified	identify	VERB
fsr-3355	121	4	as	as	ADP
fsr-3355	121	5	men	man	NOUN
fsr-3355	121	6	(	(	PUNCT
fsr-3355	121	7	male	male	NOUN
fsr-3355	121	8	)	)	PUNCT
fsr-3355	121	9	.	.	PUNCT
fsr-3355	121	10	age	age	NOUN
fsr-3355	121	11	is	be	AUX
fsr-3355	121	12	associated	associate	VERB
fsr-3355	121	13	with	with	ADP
fsr-3355	121	14	financial	financial	ADJ
fsr-3355	121	15	advice	advice	NOUN
fsr-3355	121	16	seeking	seeking	NOUN
fsr-3355	121	17	(	(	PUNCT
fsr-3355	121	18	robb	robb	NOUN
fsr-3355	121	19	et	et	PROPN
fsr-3355	121	20	al	al	PROPN
fsr-3355	121	21	.	.	PROPN
fsr-3355	121	22	,	,	PUNCT
fsr-3355	121	23	2012	2012	NUM
fsr-3355	121	24	)	)	PUNCT
fsr-3355	121	25	.	.	PUNCT
fsr-3355	122	1	there	there	PRON
fsr-3355	122	2	is	be	VERB
fsr-3355	122	3	evidence	evidence	NOUN
fsr-3355	122	4	that	that	SCONJ
fsr-3355	122	5	older	old	ADJ
fsr-3355	122	6	consumers	consumer	NOUN
fsr-3355	122	7	are	be	AUX
fsr-3355	122	8	more	more	ADV
fsr-3355	122	9	likely	likely	ADJ
fsr-3355	122	10	to	to	PART
fsr-3355	122	11	seek	seek	VERB
fsr-3355	122	12	specific	specific	ADJ
fsr-3355	122	13	types	type	NOUN
fsr-3355	122	14	of	of	ADP
fsr-3355	122	15	financial	financial	ADJ
fsr-3355	122	16	advice	advice	NOUN
fsr-3355	122	17	,	,	PUNCT
fsr-3355	122	18	such	such	ADJ
fsr-3355	122	19	as	as	ADP
fsr-3355	122	20	investment	investment	NOUN
fsr-3355	122	21	and	and	CCONJ
fsr-3355	122	22	savings	saving	NOUN
fsr-3355	122	23	advice	advice	NOUN
fsr-3355	122	24	(	(	PUNCT
fsr-3355	122	25	hackethal	hackethal	PROPN
fsr-3355	122	26	et	et	PROPN
fsr-3355	122	27	al	al	PROPN
fsr-3355	122	28	.	.	PROPN
fsr-3355	122	29	,	,	PUNCT
fsr-3355	122	30	2012	2012	NUM
fsr-3355	122	31	;	;	PUNCT
fsr-3355	122	32	lachance	lachance	PROPN
fsr-3355	122	33	&	&	CCONJ
fsr-3355	122	34	tang	tang	PROPN
fsr-3355	122	35	,	,	PUNCT
fsr-3355	122	36	2012	2012	NUM
fsr-3355	122	37	)	)	PUNCT
fsr-3355	122	38	.	.	PUNCT
fsr-3355	123	1	for	for	ADP
fsr-3355	123	2	the	the	DET
fsr-3355	123	3	current	current	ADJ
fsr-3355	123	4	study	study	NOUN
fsr-3355	123	5	,	,	PUNCT
fsr-3355	123	6	age	age	NOUN
fsr-3355	123	7	was	be	AUX
fsr-3355	123	8	treated	treat	VERB
fsr-3355	123	9	as	as	ADP
fsr-3355	123	10	a	a	DET
fsr-3355	123	11	continuous	continuous	ADJ
fsr-3355	123	12	variable	variable	NOUN
fsr-3355	123	13	.	.	PUNCT
fsr-3355	124	1	in	in	ADP
fsr-3355	124	2	addition	addition	NOUN
fsr-3355	124	3	,	,	PUNCT
fsr-3355	124	4	some	some	DET
fsr-3355	124	5	previous	previous	ADJ
fsr-3355	124	6	research	research	NOUN
fsr-3355	124	7	has	have	AUX
fsr-3355	124	8	indicated	indicate	VERB
fsr-3355	124	9	that	that	SCONJ
fsr-3355	124	10	the	the	DET
fsr-3355	124	11	relationship	relationship	NOUN
fsr-3355	124	12	between	between	ADP
fsr-3355	124	13	age	age	NOUN
fsr-3355	124	14	and	and	CCONJ
fsr-3355	124	15	financial	financial	ADJ
fsr-3355	124	16	planner	planner	NOUN
fsr-3355	124	17	use	use	NOUN
fsr-3355	124	18	may	may	AUX
fsr-3355	124	19	be	be	AUX
fsr-3355	124	20	nonlinear	nonlinear	ADJ
fsr-3355	124	21	(	(	PUNCT
fsr-3355	124	22	white	white	PROPN
fsr-3355	124	23	&	&	CCONJ
fsr-3355	124	24	heckman	heckman	PROPN
fsr-3355	124	25	,	,	PUNCT
fsr-3355	124	26	2016	2016	NUM
fsr-3355	124	27	)	)	PUNCT
fsr-3355	124	28	,	,	PUNCT
fsr-3355	124	29	and	and	CCONJ
fsr-3355	124	30	therefore	therefore	ADV
fsr-3355	124	31	,	,	PUNCT
fsr-3355	124	32	age	age	NOUN
fsr-3355	124	33	-	-	PUNCT
fsr-3355	124	34	squared	squared	PROPN
fsr-3355	124	35	was	be	AUX
fsr-3355	124	36	also	also	ADV
fsr-3355	124	37	included	include	VERB
fsr-3355	124	38	as	as	ADP
fsr-3355	124	39	an	an	DET
fsr-3355	124	40	independent	independent	ADJ
fsr-3355	124	41	variable	variable	NOUN
fsr-3355	124	42	.	.	PUNCT
fsr-3355	125	1	marriage	marriage	NOUN
fsr-3355	125	2	has	have	AUX
fsr-3355	125	3	been	be	AUX
fsr-3355	125	4	long	long	ADV
fsr-3355	125	5	understood	understand	VERB
fsr-3355	125	6	as	as	ADP
fsr-3355	125	7	a	a	DET
fsr-3355	125	8	financially	financially	ADV
fsr-3355	125	9	-	-	PUNCT
fsr-3355	125	10	advantaged	advantaged	ADJ
fsr-3355	125	11	status	status	NOUN
fsr-3355	125	12	compared	compare	VERB
fsr-3355	125	13	to	to	ADP
fsr-3355	125	14	being	be	AUX
fsr-3355	125	15	single	single	ADJ
fsr-3355	125	16	.	.	PUNCT
fsr-3355	126	1	as	as	SCONJ
fsr-3355	126	2	such	such	ADJ
fsr-3355	126	3	,	,	PUNCT
fsr-3355	126	4	married	married	ADJ
fsr-3355	126	5	individuals	individual	NOUN
fsr-3355	126	6	tend	tend	VERB
fsr-3355	126	7	to	to	PART
fsr-3355	126	8	do	do	VERB
fsr-3355	126	9	better	well	ADV
fsr-3355	126	10	financially	financially	ADV
fsr-3355	126	11	than	than	ADP
fsr-3355	126	12	those	those	PRON
fsr-3355	126	13	who	who	PRON
fsr-3355	126	14	are	be	AUX
fsr-3355	126	15	not	not	PART
fsr-3355	126	16	married	married	ADJ
fsr-3355	126	17	and	and	CCONJ
fsr-3355	126	18	are	be	AUX
fsr-3355	126	19	more	more	ADV
fsr-3355	126	20	likely	likely	ADJ
fsr-3355	126	21	to	to	PART
fsr-3355	126	22	work	work	VERB
fsr-3355	126	23	with	with	ADP
fsr-3355	126	24	financial	financial	ADJ
fsr-3355	126	25	planners	planner	NOUN
fsr-3355	126	26	than	than	ADP
fsr-3355	126	27	those	those	PRON
fsr-3355	126	28	who	who	PRON
fsr-3355	126	29	are	be	AUX
fsr-3355	126	30	single	single	ADJ
fsr-3355	126	31	(	(	PUNCT
fsr-3355	126	32	lachance	lachance	PROPN
fsr-3355	126	33	&	&	CCONJ
fsr-3355	126	34	tang	tang	PROPN
fsr-3355	126	35	,	,	PUNCT
fsr-3355	126	36	2012	2012	NUM
fsr-3355	126	37	;	;	PUNCT
fsr-3355	126	38	robb	robb	VERB
fsr-3355	126	39	et	et	PROPN
fsr-3355	126	40	al	al	PROPN
fsr-3355	126	41	.	.	PROPN
fsr-3355	126	42	,	,	PUNCT
fsr-3355	126	43	2012	2012	NUM
fsr-3355	126	44	)	)	PUNCT
fsr-3355	126	45	.	.	PUNCT
fsr-3355	127	1	marital	marital	ADJ
fsr-3355	127	2	status	status	NOUN
fsr-3355	127	3	was	be	AUX
fsr-3355	127	4	used	use	VERB
fsr-3355	127	5	as	as	ADP
fsr-3355	127	6	a	a	DET
fsr-3355	127	7	dummy	dummy	ADJ
fsr-3355	127	8	variable	variable	NOUN
fsr-3355	127	9	;	;	PUNCT
fsr-3355	127	10	those	those	PRON
fsr-3355	127	11	who	who	PRON
fsr-3355	127	12	were	be	AUX
fsr-3355	127	13	married	married	ADJ
fsr-3355	127	14	were	be	AUX
fsr-3355	127	15	coded	code	VERB
fsr-3355	127	16	as	as	ADP
fsr-3355	127	17	1	1	NUM
fsr-3355	127	18	,	,	PUNCT
fsr-3355	127	19	and	and	CCONJ
fsr-3355	127	20	all	all	DET
fsr-3355	127	21	others	other	NOUN
fsr-3355	127	22	were	be	AUX
fsr-3355	127	23	coded	code	VERB
fsr-3355	127	24	as	as	ADP
fsr-3355	127	25	0	0	NUM
fsr-3355	127	26	.	.	PUNCT
fsr-3355	128	1	other	other	ADJ
fsr-3355	128	2	household	household	NOUN
fsr-3355	128	3	characteristics	characteristic	NOUN
fsr-3355	128	4	,	,	PUNCT
fsr-3355	128	5	such	such	ADJ
fsr-3355	128	6	as	as	ADP
fsr-3355	128	7	household	household	NOUN
fsr-3355	128	8	size	size	NOUN
fsr-3355	128	9	(	(	PUNCT
fsr-3355	128	10	elmerick	elmerick	NOUN
fsr-3355	128	11	et	et	PROPN
fsr-3355	128	12	al	al	PROPN
fsr-3355	128	13	.	.	PROPN
fsr-3355	128	14	,	,	PUNCT
fsr-3355	128	15	2002	2002	NUM
fsr-3355	128	16	)	)	PUNCT
fsr-3355	128	17	,	,	PUNCT
fsr-3355	128	18	educational	educational	ADJ
fsr-3355	128	19	attainment	attainment	NOUN
fsr-3355	128	20	(	(	PUNCT
fsr-3355	128	21	chatterjee	chatterjee	PROPN
fsr-3355	128	22	&	&	CCONJ
fsr-3355	128	23	zahirovicherbert	zahirovicherbert	PROPN
fsr-3355	128	24	,	,	PUNCT
fsr-3355	128	25	2010	2010	NUM
fsr-3355	128	26	)	)	PUNCT
fsr-3355	128	27	,	,	PUNCT
fsr-3355	128	28	and	and	CCONJ
fsr-3355	128	29	employment	employment	NOUN
fsr-3355	128	30	status	status	NOUN
fsr-3355	128	31	(	(	PUNCT
fsr-3355	128	32	elmerick	elmerick	NOUN
fsr-3355	128	33	et	et	PROPN
fsr-3355	128	34	al	al	PROPN
fsr-3355	128	35	.	.	PROPN
fsr-3355	128	36	,	,	PUNCT
fsr-3355	128	37	2002	2002	NUM
fsr-3355	128	38	)	)	PUNCT
fsr-3355	128	39	,	,	PUNCT
fsr-3355	128	40	have	have	AUX
fsr-3355	128	41	been	be	AUX
fsr-3355	128	42	associated	associate	VERB
fsr-3355	128	43	with	with	ADP
fsr-3355	128	44	using	use	VERB
fsr-3355	128	45	a	a	DET
fsr-3355	128	46	financial	financial	ADJ
fsr-3355	128	47	services	service	NOUN
fsr-3355	128	48	review	review	NOUN
fsr-3355	128	49	,	,	PUNCT
fsr-3355	128	50	32(4	32(4	NUM
fsr-3355	128	51	)	)	PUNCT
fsr-3355	128	52	32	32	NUM
fsr-3355	128	53	financial	financial	ADJ
fsr-3355	128	54	planner	planner	NOUN
fsr-3355	128	55	.	.	PUNCT
fsr-3355	129	1	household	household	NOUN
fsr-3355	129	2	size	size	NOUN
fsr-3355	129	3	was	be	AUX
fsr-3355	129	4	used	use	VERB
fsr-3355	129	5	as	as	ADP
fsr-3355	129	6	a	a	DET
fsr-3355	129	7	continuous	continuous	ADJ
fsr-3355	129	8	variable	variable	NOUN
fsr-3355	129	9	that	that	PRON
fsr-3355	129	10	indicated	indicate	VERB
fsr-3355	129	11	the	the	DET
fsr-3355	129	12	number	number	NOUN
fsr-3355	129	13	of	of	ADP
fsr-3355	129	14	people	people	NOUN
fsr-3355	129	15	within	within	ADP
fsr-3355	129	16	the	the	DET
fsr-3355	129	17	same	same	ADJ
fsr-3355	129	18	household	household	NOUN
fsr-3355	129	19	.	.	PUNCT
fsr-3355	130	1	educational	educational	ADJ
fsr-3355	130	2	attainment	attainment	NOUN
fsr-3355	130	3	was	be	AUX
fsr-3355	130	4	organized	organize	VERB
fsr-3355	130	5	into	into	ADP
fsr-3355	130	6	the	the	DET
fsr-3355	130	7	following	follow	VERB
fsr-3355	130	8	categories	category	NOUN
fsr-3355	130	9	:	:	PUNCT
fsr-3355	130	10	(	(	PUNCT
fsr-3355	130	11	a	a	X
fsr-3355	130	12	)	)	PUNCT
fsr-3355	130	13	lower	low	ADJ
fsr-3355	130	14	than	than	ADP
fsr-3355	130	15	high	high	ADJ
fsr-3355	130	16	school	school	NOUN
fsr-3355	130	17	,	,	PUNCT
fsr-3355	130	18	(	(	PUNCT
fsr-3355	130	19	b	b	X
fsr-3355	130	20	)	)	PUNCT
fsr-3355	130	21	a	a	DET
fsr-3355	130	22	high	high	ADJ
fsr-3355	130	23	school	school	NOUN
fsr-3355	130	24	diploma	diploma	NOUN
fsr-3355	130	25	,	,	PUNCT
fsr-3355	130	26	(	(	PUNCT
fsr-3355	130	27	c	c	X
fsr-3355	130	28	)	)	PUNCT
fsr-3355	130	29	some	some	DET
fsr-3355	130	30	college	college	NOUN
fsr-3355	130	31	,	,	PUNCT
fsr-3355	130	32	(	(	PUNCT
fsr-3355	130	33	d	d	X
fsr-3355	130	34	)	)	PUNCT
fsr-3355	130	35	a	a	DET
fsr-3355	130	36	bachelor	bachelor	NOUN
fsr-3355	130	37	’s	’s	PART
fsr-3355	130	38	degree	degree	NOUN
fsr-3355	130	39	,	,	PUNCT
fsr-3355	130	40	and	and	CCONJ
fsr-3355	130	41	(	(	PUNCT
fsr-3355	130	42	d	d	X
fsr-3355	130	43	)	)	PUNCT
fsr-3355	130	44	a	a	DET
fsr-3355	130	45	graduate	graduate	NOUN
fsr-3355	130	46	degree	degree	NOUN
fsr-3355	130	47	.	.	PUNCT
fsr-3355	131	1	employment	employment	NOUN
fsr-3355	131	2	status	status	NOUN
fsr-3355	131	3	was	be	AUX
fsr-3355	131	4	categorized	categorize	VERB
fsr-3355	131	5	into	into	ADP
fsr-3355	131	6	four	four	NUM
fsr-3355	131	7	groups	group	NOUN
fsr-3355	131	8	for	for	ADP
fsr-3355	131	9	the	the	DET
fsr-3355	131	10	current	current	ADJ
fsr-3355	131	11	study	study	NOUN
fsr-3355	131	12	:	:	PUNCT
fsr-3355	131	13	(	(	PUNCT
fsr-3355	131	14	a	a	X
fsr-3355	131	15	)	)	PUNCT
fsr-3355	131	16	unemployed	unemployed	ADJ
fsr-3355	131	17	,	,	PUNCT
fsr-3355	131	18	(	(	PUNCT
fsr-3355	131	19	b	b	X
fsr-3355	131	20	)	)	PUNCT
fsr-3355	131	21	employed	employ	VERB
fsr-3355	131	22	(	(	PUNCT
fsr-3355	131	23	e.g.	e.g.	ADV
fsr-3355	131	24	,	,	PUNCT
fsr-3355	131	25	working	work	VERB
fsr-3355	131	26	for	for	ADP
fsr-3355	131	27	someone	someone	PRON
fsr-3355	131	28	else	else	ADV
fsr-3355	131	29	)	)	PUNCT
fsr-3355	131	30	,	,	PUNCT
fsr-3355	131	31	(	(	PUNCT
fsr-3355	131	32	c	c	X
fsr-3355	131	33	)	)	PUNCT
fsr-3355	131	34	selfemployed	selfemploye	VERB
fsr-3355	131	35	,	,	PUNCT
fsr-3355	131	36	and	and	CCONJ
fsr-3355	131	37	(	(	PUNCT
fsr-3355	131	38	d	d	X
fsr-3355	131	39	)	)	PUNCT
fsr-3355	131	40	retired	retire	VERB
fsr-3355	131	41	.	.	PUNCT
fsr-3355	132	1	financial	financial	ADJ
fsr-3355	132	2	variables	variable	NOUN
fsr-3355	132	3	such	such	ADJ
fsr-3355	132	4	as	as	ADP
fsr-3355	132	5	wealth	wealth	NOUN
fsr-3355	132	6	(	(	PUNCT
fsr-3355	132	7	harlow	harlow	PROPN
fsr-3355	132	8	et	et	PROPN
fsr-3355	132	9	al	al	PROPN
fsr-3355	132	10	.	.	PROPN
fsr-3355	132	11	,	,	PUNCT
fsr-3355	132	12	2022	2022	NUM
fsr-3355	132	13	)	)	PUNCT
fsr-3355	132	14	and	and	CCONJ
fsr-3355	132	15	income	income	NOUN
fsr-3355	132	16	(	(	PUNCT
fsr-3355	132	17	cummings	cummings	PROPN
fsr-3355	132	18	&	&	CCONJ
fsr-3355	132	19	james	james	PROPN
fsr-3355	132	20	,	,	PUNCT
fsr-3355	132	21	2014	2014	NUM
fsr-3355	132	22	;	;	PUNCT
fsr-3355	132	23	finke	finke	PROPN
fsr-3355	132	24	et	et	PROPN
fsr-3355	132	25	al	al	PROPN
fsr-3355	132	26	.	.	PROPN
fsr-3355	132	27	,	,	PUNCT
fsr-3355	132	28	2011	2011	NUM
fsr-3355	132	29	;	;	PUNCT
fsr-3355	132	30	joo	joo	PROPN
fsr-3355	132	31	&	&	CCONJ
fsr-3355	132	32	grable	grable	PROPN
fsr-3355	132	33	,	,	PUNCT
fsr-3355	132	34	2001	2001	NUM
fsr-3355	132	35	)	)	PUNCT
fsr-3355	132	36	are	be	AUX
fsr-3355	132	37	positively	positively	ADV
fsr-3355	132	38	associated	associate	VERB
fsr-3355	132	39	with	with	ADP
fsr-3355	132	40	seeking	seek	VERB
fsr-3355	132	41	financial	financial	ADJ
fsr-3355	132	42	advice	advice	NOUN
fsr-3355	132	43	.	.	PUNCT
fsr-3355	133	1	income	income	NOUN
fsr-3355	133	2	was	be	AUX
fsr-3355	133	3	made	make	VERB
fsr-3355	133	4	into	into	ADP
fsr-3355	133	5	a	a	DET
fsr-3355	133	6	categorical	categorical	ADJ
fsr-3355	133	7	variable	variable	NOUN
fsr-3355	133	8	and	and	CCONJ
fsr-3355	133	9	comprised	comprise	VERB
fsr-3355	133	10	three	three	NUM
fsr-3355	133	11	groups	group	NOUN
fsr-3355	133	12	:	:	PUNCT
fsr-3355	133	13	(	(	PUNCT
fsr-3355	133	14	1	1	X
fsr-3355	133	15	)	)	PUNCT
fsr-3355	133	16	less	less	ADJ
fsr-3355	133	17	than	than	ADP
fsr-3355	133	18	$	$	SYM
fsr-3355	133	19	50,000	50,000	NUM
fsr-3355	133	20	;	;	PUNCT
fsr-3355	133	21	(	(	PUNCT
fsr-3355	133	22	2	2	X
fsr-3355	133	23	)	)	PUNCT
fsr-3355	133	24	between	between	ADP
fsr-3355	133	25	$	$	SYM
fsr-3355	133	26	50,000	50,000	NUM
fsr-3355	133	27	and	and	CCONJ
fsr-3355	133	28	$	$	SYM
fsr-3355	133	29	99,999	99,999	NUM
fsr-3355	133	30	;	;	PUNCT
fsr-3355	133	31	and	and	CCONJ
fsr-3355	133	32	(	(	PUNCT
fsr-3355	133	33	3	3	X
fsr-3355	133	34	)	)	PUNCT
fsr-3355	133	35	$	$	SYM
fsr-3355	133	36	100,000	100,000	NUM
fsr-3355	133	37	or	or	CCONJ
fsr-3355	133	38	higher	high	ADJ
fsr-3355	133	39	.	.	PUNCT
fsr-3355	134	1	net	net	ADJ
fsr-3355	134	2	worth	worth	NOUN
fsr-3355	134	3	was	be	AUX
fsr-3355	134	4	used	use	VERB
fsr-3355	134	5	as	as	ADP
fsr-3355	134	6	a	a	DET
fsr-3355	134	7	continuous	continuous	ADJ
fsr-3355	134	8	variable	variable	NOUN
fsr-3355	134	9	.	.	PUNCT
fsr-3355	135	1	if	if	SCONJ
fsr-3355	135	2	net	net	ADJ
fsr-3355	135	3	worth	worth	NOUN
fsr-3355	135	4	was	be	AUX
fsr-3355	135	5	greater	great	ADJ
fsr-3355	135	6	than	than	ADP
fsr-3355	135	7	0	0	NUM
fsr-3355	135	8	,	,	PUNCT
fsr-3355	135	9	the	the	DET
fsr-3355	135	10	log	log	NOUN
fsr-3355	135	11	-	-	PUNCT
fsr-3355	135	12	value	value	NOUN
fsr-3355	135	13	was	be	AUX
fsr-3355	135	14	used	use	VERB
fsr-3355	135	15	.	.	PUNCT
fsr-3355	136	1	if	if	SCONJ
fsr-3355	136	2	net	net	ADJ
fsr-3355	136	3	worth	worth	NOUN
fsr-3355	136	4	was	be	AUX
fsr-3355	136	5	smaller	small	ADJ
fsr-3355	136	6	than	than	ADP
fsr-3355	136	7	0	0	NUM
fsr-3355	136	8	,	,	PUNCT
fsr-3355	136	9	the	the	DET
fsr-3355	136	10	log	log	NOUN
fsr-3355	136	11	(	(	PUNCT
fsr-3355	136	12	0.01	0.01	NUM
fsr-3355	136	13	)	)	PUNCT
fsr-3355	136	14	was	be	AUX
fsr-3355	136	15	utilized	utilize	VERB
fsr-3355	136	16	.	.	PUNCT
fsr-3355	137	1	homeownership	homeownership	NOUN
fsr-3355	137	2	(	(	PUNCT
fsr-3355	137	3	hanna	hanna	NOUN
fsr-3355	137	4	,	,	PUNCT
fsr-3355	137	5	2011	2011	NUM
fsr-3355	137	6	)	)	PUNCT
fsr-3355	137	7	and	and	CCONJ
fsr-3355	137	8	having	have	VERB
fsr-3355	137	9	an	an	DET
fsr-3355	137	10	emergency	emergency	NOUN
fsr-3355	137	11	fund	fund	NOUN
fsr-3355	137	12	(	(	PUNCT
fsr-3355	137	13	white	white	PROPN
fsr-3355	137	14	&	&	CCONJ
fsr-3355	137	15	heckman	heckman	PROPN
fsr-3355	137	16	,	,	PUNCT
fsr-3355	137	17	2016	2016	NUM
fsr-3355	137	18	)	)	PUNCT
fsr-3355	137	19	are	be	AUX
fsr-3355	137	20	predictors	predictor	NOUN
fsr-3355	137	21	associated	associate	VERB
fsr-3355	137	22	with	with	ADP
fsr-3355	137	23	using	use	VERB
fsr-3355	137	24	a	a	DET
fsr-3355	137	25	financial	financial	ADJ
fsr-3355	137	26	planner	planner	NOUN
fsr-3355	137	27	(	(	PUNCT
fsr-3355	137	28	hanna	hanna	NOUN
fsr-3355	137	29	,	,	PUNCT
fsr-3355	137	30	2011	2011	NUM
fsr-3355	137	31	)	)	PUNCT
fsr-3355	137	32	.	.	PUNCT
fsr-3355	138	1	homeownership	homeownership	NOUN
fsr-3355	138	2	and	and	CCONJ
fsr-3355	138	3	emergency	emergency	NOUN
fsr-3355	138	4	access	access	NOUN
fsr-3355	138	5	were	be	AUX
fsr-3355	138	6	used	use	VERB
fsr-3355	138	7	as	as	ADP
fsr-3355	138	8	binary	binary	ADJ
fsr-3355	138	9	dummy	dummy	ADJ
fsr-3355	138	10	variables	variable	NOUN
fsr-3355	138	11	.	.	PUNCT
fsr-3355	139	1	emergency	emergency	NOUN
fsr-3355	139	2	access	access	NOUN
fsr-3355	139	3	is	be	AUX
fsr-3355	139	4	determined	determine	VERB
fsr-3355	139	5	by	by	ADP
fsr-3355	139	6	answering	answer	VERB
fsr-3355	139	7	the	the	DET
fsr-3355	139	8	following	follow	VERB
fsr-3355	139	9	question	question	NOUN
fsr-3355	139	10	:	:	PUNCT
fsr-3355	139	11	“	"	PUNCT
fsr-3355	139	12	in	in	ADP
fsr-3355	139	13	an	an	DET
fsr-3355	139	14	emergency	emergency	NOUN
fsr-3355	139	15	could	could	AUX
fsr-3355	139	16	you	you	PRON
fsr-3355	139	17	(	(	PUNCT
fsr-3355	139	18	or	or	CCONJ
fsr-3355	139	19	your	your	PRON
fsr-3355	139	20	husband	husband	NOUN
fsr-3355	139	21	/	/	SYM
fsr-3355	139	22	wife	wife	NOUN
fsr-3355	139	23	/	/	SYM
fsr-3355	139	24	partner	partner	NOUN
fsr-3355	139	25	)	)	PUNCT
fsr-3355	139	26	get	get	VERB
fsr-3355	139	27	financial	financial	ADJ
fsr-3355	139	28	assistance	assistance	NOUN
fsr-3355	139	29	of	of	ADP
fsr-3355	139	30	$	$	SYM
fsr-3355	139	31	3,000	3,000	NUM
fsr-3355	139	32	or	or	CCONJ
fsr-3355	139	33	more	more	ADJ
fsr-3355	139	34	from	from	ADP
fsr-3355	139	35	any	any	DET
fsr-3355	139	36	friends	friend	NOUN
fsr-3355	139	37	or	or	CCONJ
fsr-3355	139	38	relatives	relative	NOUN
fsr-3355	139	39	who	who	PRON
fsr-3355	139	40	do	do	AUX
fsr-3355	139	41	not	not	PART
fsr-3355	139	42	live	live	VERB
fsr-3355	139	43	with	with	ADP
fsr-3355	139	44	you	you	PRON
fsr-3355	139	45	?	?	PUNCT
fsr-3355	139	46	”	"	PUNCT
fsr-3355	140	1	if	if	SCONJ
fsr-3355	140	2	the	the	DET
fsr-3355	140	3	respondent	respondent	NOUN
fsr-3355	140	4	answered	answer	VERB
fsr-3355	140	5	“	"	PUNCT
fsr-3355	140	6	yes	yes	INTJ
fsr-3355	140	7	,	,	PUNCT
fsr-3355	140	8	”	"	PUNCT
fsr-3355	140	9	the	the	DET
fsr-3355	140	10	value	value	NOUN
fsr-3355	140	11	was	be	AUX
fsr-3355	140	12	coded	code	VERB
fsr-3355	140	13	as	as	ADP
fsr-3355	140	14	1	1	NUM
fsr-3355	140	15	,	,	PUNCT
fsr-3355	140	16	and	and	CCONJ
fsr-3355	140	17	0	0	NUM
fsr-3355	140	18	if	if	SCONJ
fsr-3355	140	19	the	the	DET
fsr-3355	140	20	respondent	respondent	NOUN
fsr-3355	140	21	answered	answer	VERB
fsr-3355	140	22	“	"	PUNCT
fsr-3355	140	23	no	no	INTJ
fsr-3355	140	24	.	.	PUNCT
fsr-3355	140	25	”	"	PUNCT
fsr-3355	141	1	risk	risk	NOUN
fsr-3355	141	2	tolerance	tolerance	NOUN
fsr-3355	141	3	has	have	AUX
fsr-3355	141	4	been	be	AUX
fsr-3355	141	5	correlated	correlate	VERB
fsr-3355	141	6	with	with	ADP
fsr-3355	141	7	a	a	DET
fsr-3355	141	8	higher	high	ADJ
fsr-3355	141	9	likelihood	likelihood	NOUN
fsr-3355	141	10	of	of	ADP
fsr-3355	141	11	seeking	seek	VERB
fsr-3355	141	12	financial	financial	ADJ
fsr-3355	141	13	advice	advice	NOUN
fsr-3355	141	14	in	in	ADP
fsr-3355	141	15	numerous	numerous	ADJ
fsr-3355	141	16	studies	study	NOUN
fsr-3355	141	17	(	(	PUNCT
fsr-3355	141	18	chang	chang	PROPN
fsr-3355	141	19	,	,	PUNCT
fsr-3355	141	20	2005	2005	NUM
fsr-3355	141	21	;	;	PUNCT
fsr-3355	141	22	joo	joo	PROPN
fsr-3355	141	23	&	&	CCONJ
fsr-3355	141	24	grable	grable	PROPN
fsr-3355	141	25	,	,	PUNCT
fsr-3355	141	26	2001	2001	NUM
fsr-3355	141	27	;	;	PUNCT
fsr-3355	141	28	moreland	moreland	PROPN
fsr-3355	141	29	,	,	PUNCT
fsr-3355	141	30	2018	2018	NUM
fsr-3355	141	31	;	;	PUNCT
fsr-3355	141	32	white	white	PROPN
fsr-3355	141	33	&	&	CCONJ
fsr-3355	141	34	heckman	heckman	PROPN
fsr-3355	141	35	,	,	PUNCT
fsr-3355	141	36	2016	2016	NUM
fsr-3355	141	37	)	)	PUNCT
fsr-3355	141	38	.	.	PUNCT
fsr-3355	142	1	risk	risk	NOUN
fsr-3355	142	2	tolerance	tolerance	NOUN
fsr-3355	142	3	was	be	AUX
fsr-3355	142	4	categorized	categorize	VERB
fsr-3355	142	5	into	into	ADP
fsr-3355	142	6	four	four	NUM
fsr-3355	142	7	groups	group	NOUN
fsr-3355	142	8	:	:	PUNCT
fsr-3355	142	9	(	(	PUNCT
fsr-3355	142	10	1	1	X
fsr-3355	142	11	)	)	PUNCT
fsr-3355	142	12	not	not	PART
fsr-3355	142	13	willing	willing	ADJ
fsr-3355	142	14	to	to	PART
fsr-3355	142	15	take	take	VERB
fsr-3355	142	16	any	any	DET
fsr-3355	142	17	financial	financial	ADJ
fsr-3355	142	18	risks	risk	NOUN
fsr-3355	142	19	;	;	PUNCT
fsr-3355	142	20	(	(	PUNCT
fsr-3355	142	21	2	2	X
fsr-3355	142	22	)	)	PUNCT
fsr-3355	142	23	willing	willing	ADJ
fsr-3355	142	24	to	to	PART
fsr-3355	142	25	take	take	VERB
fsr-3355	142	26	average	average	ADJ
fsr-3355	142	27	financial	financial	ADJ
fsr-3355	142	28	risks	risk	NOUN
fsr-3355	142	29	expecting	expect	VERB
fsr-3355	142	30	to	to	PART
fsr-3355	142	31	earn	earn	VERB
fsr-3355	142	32	average	average	ADJ
fsr-3355	142	33	returns	return	NOUN
fsr-3355	142	34	;	;	PUNCT
fsr-3355	142	35	(	(	PUNCT
fsr-3355	142	36	3	3	X
fsr-3355	142	37	)	)	PUNCT
fsr-3355	142	38	willing	willing	ADJ
fsr-3355	142	39	to	to	PART
fsr-3355	142	40	take	take	VERB
fsr-3355	142	41	above	above	ADV
fsr-3355	142	42	average	average	ADJ
fsr-3355	142	43	financial	financial	ADJ
fsr-3355	142	44	risks	risk	NOUN
fsr-3355	142	45	expecting	expect	VERB
fsr-3355	142	46	to	to	PART
fsr-3355	142	47	earn	earn	VERB
fsr-3355	142	48	above	above	ADP
fsr-3355	142	49	average	average	ADJ
fsr-3355	142	50	returns	return	NOUN
fsr-3355	142	51	;	;	PUNCT
fsr-3355	142	52	and	and	CCONJ
fsr-3355	142	53	(	(	PUNCT
fsr-3355	142	54	4	4	X
fsr-3355	142	55	)	)	PUNCT
fsr-3355	142	56	willing	willing	ADJ
fsr-3355	142	57	take	take	VERB
fsr-3355	142	58	substantial	substantial	ADJ
fsr-3355	142	59	financial	financial	ADJ
fsr-3355	142	60	risks	risk	NOUN
fsr-3355	142	61	expecting	expect	VERB
fsr-3355	142	62	to	to	PART
fsr-3355	142	63	earn	earn	VERB
fsr-3355	142	64	substantial	substantial	ADJ
fsr-3355	142	65	returns	return	NOUN
fsr-3355	142	66	.	.	PUNCT
fsr-3355	143	1	investment	investment	NOUN
fsr-3355	143	2	time	time	NOUN
fsr-3355	143	3	horizons	horizon	NOUN
fsr-3355	143	4	may	may	AUX
fsr-3355	143	5	also	also	ADV
fsr-3355	143	6	impact	impact	VERB
fsr-3355	143	7	financial	financial	ADJ
fsr-3355	143	8	help	help	NOUN
fsr-3355	143	9	-	-	PUNCT
fsr-3355	143	10	seeking	seek	VERB
fsr-3355	143	11	behavior	behavior	NOUN
fsr-3355	143	12	,	,	PUNCT
fsr-3355	143	13	as	as	SCONJ
fsr-3355	143	14	households	household	NOUN
fsr-3355	143	15	with	with	ADP
fsr-3355	143	16	long	long	ADJ
fsr-3355	143	17	-	-	PUNCT
fsr-3355	143	18	term	term	NOUN
fsr-3355	143	19	investment	investment	NOUN
fsr-3355	143	20	horizons	horizon	NOUN
fsr-3355	143	21	are	be	AUX
fsr-3355	143	22	likelier	likeli	ADJ
fsr-3355	143	23	to	to	PART
fsr-3355	143	24	work	work	VERB
fsr-3355	143	25	with	with	ADP
fsr-3355	143	26	a	a	DET
fsr-3355	143	27	financial	financial	ADJ
fsr-3355	143	28	planner	planner	NOUN
fsr-3355	143	29	than	than	ADP
fsr-3355	143	30	households	household	NOUN
fsr-3355	143	31	with	with	ADP
fsr-3355	143	32	intermediateor	intermediateor	PROPN
fsr-3355	143	33	short	short	ADJ
fsr-3355	143	34	-	-	PUNCT
fsr-3355	143	35	term	term	NOUN
fsr-3355	143	36	investment	investment	NOUN
fsr-3355	143	37	horizons	horizon	NOUN
fsr-3355	143	38	(	(	PUNCT
fsr-3355	143	39	white	white	PROPN
fsr-3355	143	40	&	&	CCONJ
fsr-3355	143	41	heckman	heckman	PROPN
fsr-3355	143	42	,	,	PUNCT
fsr-3355	143	43	2016	2016	NUM
fsr-3355	143	44	)	)	PUNCT
fsr-3355	143	45	.	.	PUNCT
fsr-3355	144	1	investment	investment	NOUN
fsr-3355	144	2	time	time	NOUN
fsr-3355	144	3	horizon	horizon	PROPN
fsr-3355	144	4	was	be	AUX
fsr-3355	144	5	used	use	VERB
fsr-3355	144	6	as	as	ADP
fsr-3355	144	7	a	a	DET
fsr-3355	144	8	categorical	categorical	ADJ
fsr-3355	144	9	variable	variable	NOUN
fsr-3355	144	10	and	and	CCONJ
fsr-3355	144	11	included	include	VERB
fsr-3355	144	12	the	the	DET
fsr-3355	144	13	following	follow	VERB
fsr-3355	144	14	choices	choice	NOUN
fsr-3355	144	15	:	:	PUNCT
fsr-3355	144	16	(	(	PUNCT
fsr-3355	144	17	a	a	X
fsr-3355	144	18	)	)	PUNCT
fsr-3355	144	19	next	next	ADJ
fsr-3355	144	20	few	few	ADJ
fsr-3355	144	21	months	month	NOUN
fsr-3355	144	22	;	;	PUNCT
fsr-3355	144	23	(	(	PUNCT
fsr-3355	144	24	b	b	X
fsr-3355	144	25	)	)	PUNCT
fsr-3355	144	26	next	next	ADJ
fsr-3355	144	27	year	year	NOUN
fsr-3355	144	28	;	;	PUNCT
fsr-3355	144	29	(	(	PUNCT
fsr-3355	144	30	c	c	X
fsr-3355	144	31	)	)	PUNCT
fsr-3355	144	32	next	next	ADJ
fsr-3355	144	33	few	few	ADJ
fsr-3355	144	34	years	year	NOUN
fsr-3355	144	35	;	;	PUNCT
fsr-3355	144	36	(	(	PUNCT
fsr-3355	144	37	d	d	X
fsr-3355	144	38	)	)	PUNCT
fsr-3355	144	39	next	next	ADV
fsr-3355	144	40	5	5	NUM
fsr-3355	144	41	-	-	SYM
fsr-3355	144	42	10	10	NUM
fsr-3355	144	43	years	year	NOUN
fsr-3355	144	44	;	;	PUNCT
fsr-3355	144	45	and	and	CCONJ
fsr-3355	144	46	(	(	PUNCT
fsr-3355	144	47	e	e	NOUN
fsr-3355	144	48	)	)	PUNCT
fsr-3355	144	49	longer	long	ADJ
fsr-3355	144	50	than	than	ADP
fsr-3355	144	51	10	10	NUM
fsr-3355	144	52	years	year	NOUN
fsr-3355	144	53	.	.	PUNCT
fsr-3355	145	1	objective	objective	ADJ
fsr-3355	145	2	and	and	CCONJ
fsr-3355	145	3	subjective	subjective	ADJ
fsr-3355	145	4	financial	financial	ADJ
fsr-3355	145	5	knowledge	knowledge	NOUN
fsr-3355	145	6	predict	predict	VERB
fsr-3355	145	7	the	the	DET
fsr-3355	145	8	likelihood	likelihood	NOUN
fsr-3355	145	9	of	of	ADP
fsr-3355	145	10	working	work	VERB
fsr-3355	145	11	with	with	ADP
fsr-3355	145	12	a	a	DET
fsr-3355	145	13	financial	financial	ADJ
fsr-3355	145	14	planner	planner	NOUN
fsr-3355	145	15	,	,	PUNCT
fsr-3355	145	16	although	although	SCONJ
fsr-3355	145	17	results	result	NOUN
fsr-3355	145	18	are	be	AUX
fsr-3355	145	19	mixed	mix	VERB
fsr-3355	145	20	depending	depend	VERB
fsr-3355	145	21	on	on	ADP
fsr-3355	145	22	whether	whether	SCONJ
fsr-3355	145	23	the	the	DET
fsr-3355	145	24	association	association	NOUN
fsr-3355	145	25	is	be	AUX
fsr-3355	145	26	positive	positive	ADJ
fsr-3355	145	27	or	or	CCONJ
fsr-3355	145	28	negative	negative	ADJ
fsr-3355	145	29	.	.	PUNCT
fsr-3355	146	1	there	there	PRON
fsr-3355	146	2	tends	tend	VERB
fsr-3355	146	3	to	to	PART
fsr-3355	146	4	be	be	AUX
fsr-3355	146	5	more	more	ADJ
fsr-3355	146	6	support	support	NOUN
fsr-3355	146	7	in	in	ADP
fsr-3355	146	8	the	the	DET
fsr-3355	146	9	literature	literature	NOUN
fsr-3355	146	10	for	for	ADP
fsr-3355	146	11	a	a	DET
fsr-3355	146	12	positive	positive	ADJ
fsr-3355	146	13	association	association	NOUN
fsr-3355	146	14	between	between	ADP
fsr-3355	146	15	objective	objective	ADJ
fsr-3355	146	16	financial	financial	ADJ
fsr-3355	146	17	knowledge	knowledge	NOUN
fsr-3355	146	18	and	and	CCONJ
fsr-3355	146	19	financial	financial	ADJ
fsr-3355	146	20	advice	advice	NOUN
fsr-3355	146	21	seeking	seeking	NOUN
fsr-3355	146	22	(	(	PUNCT
fsr-3355	146	23	alyousif	alyousif	NOUN
fsr-3355	146	24	&	&	CCONJ
fsr-3355	146	25	kalenkoski	kalenkoski	PROPN
fsr-3355	146	26	,	,	PUNCT
fsr-3355	146	27	2017	2017	NUM
fsr-3355	146	28	;	;	PUNCT
fsr-3355	146	29	calcagno	calcagno	NOUN
fsr-3355	146	30	&	&	CCONJ
fsr-3355	146	31	monticone	monticone	PROPN
fsr-3355	146	32	,	,	PUNCT
fsr-3355	146	33	2015	2015	NUM
fsr-3355	146	34	;	;	PUNCT
fsr-3355	146	35	seay	seay	PROPN
fsr-3355	146	36	et	et	PROPN
fsr-3355	146	37	al	al	PROPN
fsr-3355	146	38	.	.	PROPN
fsr-3355	146	39	,	,	PUNCT
fsr-3355	146	40	2016	2016	NUM
fsr-3355	146	41	)	)	PUNCT
fsr-3355	146	42	,	,	PUNCT
fsr-3355	146	43	but	but	CCONJ
fsr-3355	146	44	some	some	DET
fsr-3355	146	45	research	research	NOUN
fsr-3355	146	46	has	have	AUX
fsr-3355	146	47	found	find	VERB
fsr-3355	146	48	the	the	DET
fsr-3355	146	49	opposite	opposite	ADJ
fsr-3355	146	50	(	(	PUNCT
fsr-3355	146	51	hsu	hsu	PROPN
fsr-3355	146	52	,	,	PUNCT
fsr-3355	146	53	2022	2022	NUM
fsr-3355	146	54	;	;	PUNCT
fsr-3355	146	55	sommer	sommer	NOUN
fsr-3355	146	56	&	&	CCONJ
fsr-3355	146	57	lim	lim	PROPN
fsr-3355	146	58	,	,	PUNCT
fsr-3355	146	59	2022	2022	NUM
fsr-3355	146	60	)	)	PUNCT
fsr-3355	146	61	.	.	PUNCT
fsr-3355	147	1	kramer	kramer	PROPN
fsr-3355	147	2	(	(	PUNCT
fsr-3355	147	3	2016	2016	NUM
fsr-3355	147	4	)	)	PUNCT
fsr-3355	147	5	found	find	VERB
fsr-3355	147	6	that	that	SCONJ
fsr-3355	147	7	subjective	subjective	ADJ
fsr-3355	147	8	financial	financial	ADJ
fsr-3355	147	9	knowledge	knowledge	NOUN
fsr-3355	147	10	is	be	AUX
fsr-3355	147	11	associated	associate	VERB
fsr-3355	147	12	with	with	ADP
fsr-3355	147	13	a	a	DET
fsr-3355	147	14	lower	low	ADJ
fsr-3355	147	15	likelihood	likelihood	NOUN
fsr-3355	147	16	of	of	ADP
fsr-3355	147	17	seeking	seek	VERB
fsr-3355	147	18	financial	financial	ADJ
fsr-3355	147	19	advice	advice	NOUN
fsr-3355	147	20	,	,	PUNCT
fsr-3355	147	21	but	but	CCONJ
fsr-3355	147	22	others	other	NOUN
fsr-3355	147	23	report	report	VERB
fsr-3355	147	24	a	a	DET
fsr-3355	147	25	positive	positive	ADJ
fsr-3355	147	26	association	association	NOUN
fsr-3355	147	27	(	(	PUNCT
fsr-3355	147	28	fan	fan	NOUN
fsr-3355	147	29	,	,	PUNCT
fsr-3355	147	30	2021	2021	NUM
fsr-3355	147	31	)	)	PUNCT
fsr-3355	147	32	.	.	PUNCT
fsr-3355	148	1	the	the	DET
fsr-3355	148	2	current	current	ADJ
fsr-3355	148	3	study	study	NOUN
fsr-3355	148	4	measured	measure	VERB
fsr-3355	148	5	objective	objective	ADJ
fsr-3355	148	6	financial	financial	ADJ
fsr-3355	148	7	knowledge	knowledge	NOUN
fsr-3355	148	8	using	use	VERB
fsr-3355	148	9	the	the	DET
fsr-3355	148	10	big	big	ADJ
fsr-3355	148	11	three	three	NUM
fsr-3355	148	12	scale	scale	NOUN
fsr-3355	148	13	(	(	PUNCT
fsr-3355	148	14	lusardi	lusardi	PROPN
fsr-3355	148	15	&	&	CCONJ
fsr-3355	148	16	mitchell	mitchell	PROPN
fsr-3355	148	17	,	,	PUNCT
fsr-3355	148	18	2011	2011	NUM
fsr-3355	148	19	)	)	PUNCT
fsr-3355	148	20	,	,	PUNCT
fsr-3355	148	21	which	which	PRON
fsr-3355	148	22	evaluates	evaluate	VERB
fsr-3355	148	23	respondents	respondent	NOUN
fsr-3355	148	24	’	'	PUNCT
fsr-3355	148	25	knowledge	knowledge	NOUN
fsr-3355	148	26	of	of	ADP
fsr-3355	148	27	stocks	stock	NOUN
fsr-3355	148	28	,	,	PUNCT
fsr-3355	148	29	interest	interest	NOUN
fsr-3355	148	30	rates	rate	NOUN
fsr-3355	148	31	,	,	PUNCT
fsr-3355	148	32	and	and	CCONJ
fsr-3355	148	33	inflation	inflation	NOUN
fsr-3355	148	34	.	.	PUNCT
fsr-3355	149	1	if	if	SCONJ
fsr-3355	149	2	respondents	respondent	NOUN
fsr-3355	149	3	answered	answer	VERB
fsr-3355	149	4	a	a	DET
fsr-3355	149	5	question	question	NOUN
fsr-3355	149	6	correctly	correctly	ADV
fsr-3355	149	7	,	,	PUNCT
fsr-3355	149	8	one	one	NUM
fsr-3355	149	9	point	point	NOUN
fsr-3355	149	10	was	be	AUX
fsr-3355	149	11	allotted	allot	VERB
fsr-3355	149	12	;	;	PUNCT
fsr-3355	149	13	therefore	therefore	ADV
fsr-3355	149	14	,	,	PUNCT
fsr-3355	149	15	a	a	DET
fsr-3355	149	16	summation	summation	NOUN
fsr-3355	149	17	scale	scale	NOUN
fsr-3355	149	18	ranged	range	VERB
fsr-3355	149	19	from	from	ADP
fsr-3355	149	20	0	0	NUM
fsr-3355	149	21	to	to	ADP
fsr-3355	149	22	3	3	NUM
fsr-3355	149	23	,	,	PUNCT
fsr-3355	149	24	where	where	SCONJ
fsr-3355	149	25	0	0	NUM
fsr-3355	149	26	indicated	indicate	VERB
fsr-3355	149	27	that	that	SCONJ
fsr-3355	149	28	respondents	respondent	NOUN
fsr-3355	149	29	had	have	VERB
fsr-3355	149	30	low	low	ADJ
fsr-3355	149	31	objective	objective	ADJ
fsr-3355	149	32	financial	financial	ADJ
fsr-3355	149	33	knowledge	knowledge	NOUN
fsr-3355	149	34	and	and	CCONJ
fsr-3355	149	35	3	3	NUM
fsr-3355	149	36	indicated	indicate	VERB
fsr-3355	149	37	that	that	SCONJ
fsr-3355	149	38	respondents	respondent	NOUN
fsr-3355	149	39	had	have	VERB
fsr-3355	149	40	high	high	ADJ
fsr-3355	149	41	objective	objective	ADJ
fsr-3355	149	42	financial	financial	ADJ
fsr-3355	149	43	knowledge	knowledge	NOUN
fsr-3355	149	44	.	.	PUNCT
fsr-3355	150	1	subjective	subjective	ADJ
fsr-3355	150	2	financial	financial	ADJ
fsr-3355	150	3	knowledge	knowledge	NOUN
fsr-3355	150	4	was	be	AUX
fsr-3355	150	5	measured	measure	VERB
fsr-3355	150	6	by	by	ADP
fsr-3355	150	7	the	the	DET
fsr-3355	150	8	question	question	NOUN
fsr-3355	150	9	:	:	PUNCT
fsr-3355	150	10	“	"	PUNCT
fsr-3355	150	11	on	on	ADP
fsr-3355	150	12	a	a	DET
fsr-3355	150	13	scale	scale	NOUN
fsr-3355	150	14	from	from	ADP
fsr-3355	150	15	0	0	NUM
fsr-3355	150	16	to	to	ADP
fsr-3355	150	17	10	10	NUM
fsr-3355	150	18	,	,	PUNCT
fsr-3355	150	19	where	where	SCONJ
fsr-3355	150	20	zero	zero	NUM
fsr-3355	150	21	is	be	AUX
fsr-3355	150	22	not	not	PART
fsr-3355	150	23	at	at	ADV
fsr-3355	150	24	all	all	ADV
fsr-3355	150	25	knowledgeable	knowledgeable	ADJ
fsr-3355	150	26	about	about	ADP
fsr-3355	150	27	personal	personal	ADJ
fsr-3355	150	28	finance	finance	NOUN
fsr-3355	150	29	and	and	CCONJ
fsr-3355	150	30	ten	ten	NOUN
fsr-3355	150	31	is	be	AUX
fsr-3355	150	32	very	very	ADV
fsr-3355	150	33	knowledgeable	knowledgeable	ADJ
fsr-3355	150	34	about	about	ADP
fsr-3355	150	35	personal	personal	ADJ
fsr-3355	150	36	finance	finance	NOUN
fsr-3355	150	37	,	,	PUNCT
fsr-3355	150	38	what	what	DET
fsr-3355	150	39	number	number	NOUN
fsr-3355	150	40	would	would	AUX
fsr-3355	150	41	you	you	PRON
fsr-3355	150	42	be	be	AUX
fsr-3355	150	43	on	on	ADP
fsr-3355	150	44	the	the	DET
fsr-3355	150	45	scale	scale	NOUN
fsr-3355	150	46	?	?	PUNCT
fsr-3355	150	47	”	"	PUNCT
fsr-3355	151	1	subjective	subjective	ADJ
fsr-3355	151	2	financial	financial	ADJ
fsr-3355	151	3	knowledge	knowledge	NOUN
fsr-3355	151	4	was	be	AUX
fsr-3355	151	5	treated	treat	VERB
fsr-3355	151	6	as	as	ADP
fsr-3355	151	7	a	a	DET
fsr-3355	151	8	continuous	continuous	ADJ
fsr-3355	151	9	variable	variable	NOUN
fsr-3355	151	10	.	.	PUNCT
fsr-3355	152	1	empirical	empirical	ADJ
fsr-3355	152	2	model	model	NOUN
fsr-3355	152	3	specification	specification	NOUN
fsr-3355	152	4	a	a	DET
fsr-3355	152	5	binomial	binomial	ADJ
fsr-3355	152	6	logistic	logistic	ADJ
fsr-3355	152	7	regression	regression	NOUN
fsr-3355	152	8	model	model	NOUN
fsr-3355	152	9	was	be	AUX
fsr-3355	152	10	used	use	VERB
fsr-3355	152	11	among	among	ADP
fsr-3355	152	12	a	a	DET
fsr-3355	152	13	pooled	pooled	ADJ
fsr-3355	152	14	sample	sample	NOUN
fsr-3355	152	15	to	to	PART
fsr-3355	152	16	investigate	investigate	VERB
fsr-3355	152	17	the	the	DET
fsr-3355	152	18	determinants	determinant	NOUN
fsr-3355	152	19	of	of	ADP
fsr-3355	152	20	financial	financial	ADJ
fsr-3355	152	21	advice	advice	NOUN
fsr-3355	152	22	seeking	seek	VERB
fsr-3355	152	23	when	when	SCONJ
fsr-3355	152	24	making	make	VERB
fsr-3355	152	25	decisions	decision	NOUN
fsr-3355	152	26	about	about	ADP
fsr-3355	152	27	saving	saving	NOUN
fsr-3355	152	28	and	and	CCONJ
fsr-3355	152	29	investments	investment	NOUN
fsr-3355	152	30	.	.	PUNCT
fsr-3355	153	1	four	four	NUM
fsr-3355	153	2	additional	additional	ADJ
fsr-3355	153	3	logistic	logistic	ADJ
fsr-3355	153	4	regression	regression	NOUN
fsr-3355	153	5	models	model	NOUN
fsr-3355	153	6	were	be	AUX
fsr-3355	153	7	used	use	VERB
fsr-3355	153	8	to	to	PART
fsr-3355	153	9	examine	examine	VERB
fsr-3355	153	10	racial	racial	ADJ
fsr-3355	153	11	/	/	SYM
fsr-3355	153	12	ethnic	ethnic	ADJ
fsr-3355	153	13	groups	group	NOUN
fsr-3355	153	14	separately	separately	ADV
fsr-3355	153	15	.	.	PUNCT
fsr-3355	154	1	the	the	DET
fsr-3355	154	2	main	main	ADJ
fsr-3355	154	3	assumption	assumption	NOUN
fsr-3355	154	4	of	of	ADP
fsr-3355	154	5	the	the	DET
fsr-3355	154	6	regression	regression	NOUN
fsr-3355	154	7	or	or	CCONJ
fsr-3355	154	8	logit	logit	PROPN
fsr-3355	154	9	model	model	NOUN
fsr-3355	154	10	indicates	indicate	VERB
fsr-3355	154	11	that	that	SCONJ
fsr-3355	154	12	all	all	DET
fsr-3355	154	13	racial	racial	ADJ
fsr-3355	154	14	/	/	SYM
fsr-3355	154	15	ethnic	ethnic	ADJ
fsr-3355	154	16	groups	group	NOUN
fsr-3355	154	17	have	have	VERB
fsr-3355	154	18	the	the	DET
fsr-3355	154	19	same	same	ADJ
fsr-3355	154	20	slope	slope	NOUN
fsr-3355	154	21	and	and	CCONJ
fsr-3355	154	22	intercept	intercept	NOUN
fsr-3355	154	23	because	because	SCONJ
fsr-3355	154	24	it	it	PRON
fsr-3355	154	25	is	be	AUX
fsr-3355	154	26	an	an	DET
fsr-3355	154	27	identical	identical	ADJ
fsr-3355	154	28	independent	independent	ADJ
fsr-3355	154	29	variable	variable	NOUN
fsr-3355	154	30	.	.	PUNCT
fsr-3355	155	1	however	however	ADV
fsr-3355	155	2	,	,	PUNCT
fsr-3355	155	3	the	the	DET
fsr-3355	155	4	qing	qing	PROPN
fsr-3355	155	5	&	&	CCONJ
fsr-3355	155	6	reiter	reiter	PROPN
fsr-3355	155	7	33	33	NUM
fsr-3355	155	8	slope	slope	NOUN
fsr-3355	155	9	and	and	CCONJ
fsr-3355	155	10	intercept	intercept	NOUN
fsr-3355	155	11	can	can	AUX
fsr-3355	155	12	change	change	VERB
fsr-3355	155	13	depending	depend	VERB
fsr-3355	155	14	on	on	ADP
fsr-3355	155	15	the	the	DET
fsr-3355	155	16	specific	specific	ADJ
fsr-3355	155	17	group	group	NOUN
fsr-3355	155	18	due	due	ADP
fsr-3355	155	19	to	to	ADP
fsr-3355	155	20	different	different	ADJ
fsr-3355	155	21	characteristics	characteristic	NOUN
fsr-3355	155	22	based	base	VERB
fsr-3355	155	23	on	on	ADP
fsr-3355	155	24	the	the	DET
fsr-3355	155	25	group	group	NOUN
fsr-3355	155	26	.	.	PUNCT
fsr-3355	156	1	this	this	DET
fsr-3355	156	2	study	study	NOUN
fsr-3355	156	3	utilizes	utilize	VERB
fsr-3355	156	4	fairlie	fairlie	PROPN
fsr-3355	156	5	decomposition	decomposition	NOUN
fsr-3355	156	6	techniques	technique	NOUN
fsr-3355	156	7	(	(	PUNCT
fsr-3355	156	8	2005	2005	NUM
fsr-3355	156	9	)	)	PUNCT
fsr-3355	156	10	,	,	PUNCT
fsr-3355	156	11	developed	develop	VERB
fsr-3355	156	12	by	by	ADP
fsr-3355	156	13	blinder	blinder	PROPN
fsr-3355	156	14	-	-	PUNCT
fsr-3355	156	15	oaxaca	oaxaca	PROPN
fsr-3355	156	16	(	(	PUNCT
fsr-3355	156	17	1994	1994	NUM
fsr-3355	156	18	)	)	PUNCT
fsr-3355	156	19	,	,	PUNCT
fsr-3355	156	20	which	which	PRON
fsr-3355	156	21	capture	capture	VERB
fsr-3355	156	22	intercept	intercept	NOUN
fsr-3355	156	23	and	and	CCONJ
fsr-3355	156	24	slope	slope	NOUN
fsr-3355	156	25	differences	difference	NOUN
fsr-3355	156	26	in	in	ADP
fsr-3355	156	27	racial	racial	ADJ
fsr-3355	156	28	/	/	SYM
fsr-3355	156	29	ethnic	ethnic	ADJ
fsr-3355	156	30	groups	group	NOUN
fsr-3355	156	31	.	.	PUNCT
fsr-3355	157	1	fairlie	fairlie	PROPN
fsr-3355	157	2	’s	’s	PART
fsr-3355	157	3	decomposition	decomposition	NOUN
fsr-3355	157	4	technique	technique	NOUN
fsr-3355	157	5	is	be	AUX
fsr-3355	157	6	an	an	DET
fsr-3355	157	7	ideal	ideal	ADJ
fsr-3355	157	8	research	research	NOUN
fsr-3355	157	9	method	method	NOUN
fsr-3355	157	10	to	to	PART
fsr-3355	157	11	identify	identify	VERB
fsr-3355	157	12	inter	inter	ADJ
fsr-3355	157	13	-	-	NOUN
fsr-3355	157	14	group	group	NOUN
fsr-3355	157	15	differences	difference	NOUN
fsr-3355	157	16	.	.	PUNCT
fsr-3355	158	1	it	it	PRON
fsr-3355	158	2	allows	allow	VERB
fsr-3355	158	3	us	we	PRON
fsr-3355	158	4	to	to	PART
fsr-3355	158	5	address	address	VERB
fsr-3355	158	6	the	the	DET
fsr-3355	158	7	explained	explain	VERB
fsr-3355	158	8	and	and	CCONJ
fsr-3355	158	9	unexplained	unexplained	ADJ
fsr-3355	158	10	segments	segment	NOUN
fsr-3355	158	11	and	and	CCONJ
fsr-3355	158	12	quantify	quantify	VERB
fsr-3355	158	13	the	the	DET
fsr-3355	158	14	significance	significance	NOUN
fsr-3355	158	15	levels	level	NOUN
fsr-3355	158	16	of	of	ADP
fsr-3355	158	17	different	different	ADJ
fsr-3355	158	18	variables	variable	NOUN
fsr-3355	158	19	.	.	PUNCT
fsr-3355	159	1	the	the	DET
fsr-3355	159	2	explained	explain	VERB
fsr-3355	159	3	segments	segment	NOUN
fsr-3355	159	4	indicate	indicate	VERB
fsr-3355	159	5	how	how	SCONJ
fsr-3355	159	6	well	well	ADV
fsr-3355	159	7	the	the	DET
fsr-3355	159	8	observed	observed	ADJ
fsr-3355	159	9	variables	variable	NOUN
fsr-3355	159	10	explain	explain	VERB
fsr-3355	159	11	financial	financial	ADJ
fsr-3355	159	12	advice	advice	NOUN
fsr-3355	159	13	seeking	seek	VERB
fsr-3355	159	14	when	when	SCONJ
fsr-3355	159	15	making	make	VERB
fsr-3355	159	16	decisions	decision	NOUN
fsr-3355	159	17	about	about	ADP
fsr-3355	159	18	savings	saving	NOUN
fsr-3355	159	19	and	and	CCONJ
fsr-3355	159	20	investments	investment	NOUN
fsr-3355	159	21	.	.	PUNCT
fsr-3355	160	1	in	in	ADP
fsr-3355	160	2	contrast	contrast	NOUN
fsr-3355	160	3	,	,	PUNCT
fsr-3355	160	4	the	the	DET
fsr-3355	160	5	unexplained	unexplained	ADJ
fsr-3355	160	6	segments	segment	NOUN
fsr-3355	160	7	demonstrate	demonstrate	VERB
fsr-3355	160	8	how	how	SCONJ
fsr-3355	160	9	the	the	DET
fsr-3355	160	10	unobserved	unobserved	ADJ
fsr-3355	160	11	variables	variable	NOUN
fsr-3355	160	12	,	,	PUNCT
fsr-3355	160	13	which	which	PRON
fsr-3355	160	14	are	be	AUX
fsr-3355	160	15	not	not	PART
fsr-3355	160	16	included	include	VERB
fsr-3355	160	17	in	in	ADP
fsr-3355	160	18	this	this	DET
fsr-3355	160	19	model	model	NOUN
fsr-3355	160	20	,	,	PUNCT
fsr-3355	160	21	explain	explain	VERB
fsr-3355	160	22	financial	financial	ADJ
fsr-3355	160	23	advice	advice	NOUN
fsr-3355	160	24	seeking	seeking	NOUN
fsr-3355	160	25	.	.	PUNCT
fsr-3355	161	1	this	this	DET
fsr-3355	161	2	research	research	NOUN
fsr-3355	161	3	method	method	NOUN
fsr-3355	161	4	has	have	AUX
fsr-3355	161	5	been	be	AUX
fsr-3355	161	6	previously	previously	ADV
fsr-3355	161	7	used	use	VERB
fsr-3355	161	8	to	to	PART
fsr-3355	161	9	explore	explore	VERB
fsr-3355	161	10	racial	racial	ADJ
fsr-3355	161	11	/	/	SYM
fsr-3355	161	12	ethnic	ethnic	ADJ
fsr-3355	161	13	differences	difference	NOUN
fsr-3355	161	14	in	in	ADP
fsr-3355	161	15	financial	financial	ADJ
fsr-3355	161	16	behaviors	behavior	NOUN
fsr-3355	161	17	.	.	PUNCT
fsr-3355	162	1	for	for	ADP
fsr-3355	162	2	example	example	NOUN
fsr-3355	162	3	,	,	PUNCT
fsr-3355	162	4	shin	shin	NOUN
fsr-3355	162	5	and	and	CCONJ
fsr-3355	162	6	hanna	hanna	PROPN
fsr-3355	162	7	(	(	PUNCT
fsr-3355	162	8	2015	2015	NUM
fsr-3355	162	9	)	)	PUNCT
fsr-3355	162	10	utilized	utilize	VERB
fsr-3355	162	11	a	a	DET
fsr-3355	162	12	decomposition	decomposition	NOUN
fsr-3355	162	13	analysis	analysis	NOUN
fsr-3355	162	14	to	to	PART
fsr-3355	162	15	examine	examine	VERB
fsr-3355	162	16	the	the	DET
fsr-3355	162	17	racial	racial	ADJ
fsr-3355	162	18	/	/	SYM
fsr-3355	162	19	ethnic	ethnic	ADJ
fsr-3355	162	20	differences	difference	NOUN
fsr-3355	162	21	in	in	ADP
fsr-3355	162	22	high	high	ADJ
fsr-3355	162	23	-	-	PUNCT
fsr-3355	162	24	return	return	NOUN
fsr-3355	162	25	investment	investment	NOUN
fsr-3355	162	26	ownership	ownership	NOUN
fsr-3355	162	27	after	after	ADP
fsr-3355	162	28	the	the	DET
fsr-3355	162	29	great	great	ADJ
fsr-3355	162	30	recession	recession	NOUN
fsr-3355	162	31	.	.	PUNCT
fsr-3355	163	1	lee	lee	PROPN
fsr-3355	163	2	and	and	CCONJ
fsr-3355	163	3	kim	kim	PROPN
fsr-3355	163	4	(	(	PUNCT
fsr-3355	163	5	2022	2022	NUM
fsr-3355	163	6	)	)	PUNCT
fsr-3355	163	7	investigated	investigate	VERB
fsr-3355	163	8	racial	racial	ADJ
fsr-3355	163	9	/	/	SYM
fsr-3355	163	10	ethnic	ethnic	ADJ
fsr-3355	163	11	differences	difference	NOUN
fsr-3355	163	12	in	in	ADP
fsr-3355	163	13	financial	financial	ADJ
fsr-3355	163	14	knowledge	knowledge	NOUN
fsr-3355	163	15	using	use	VERB
fsr-3355	163	16	decomposition	decomposition	NOUN
fsr-3355	163	17	techniques	technique	NOUN
fsr-3355	163	18	.	.	PUNCT
fsr-3355	164	1	however	however	ADV
fsr-3355	164	2	,	,	PUNCT
fsr-3355	164	3	to	to	ADP
fsr-3355	164	4	the	the	DET
fsr-3355	164	5	best	good	ADJ
fsr-3355	164	6	of	of	ADP
fsr-3355	164	7	our	our	PRON
fsr-3355	164	8	knowledge	knowledge	NOUN
fsr-3355	164	9	,	,	PUNCT
fsr-3355	164	10	this	this	DET
fsr-3355	164	11	technique	technique	NOUN
fsr-3355	164	12	has	have	AUX
fsr-3355	164	13	not	not	PART
fsr-3355	164	14	yet	yet	ADV
fsr-3355	164	15	been	be	AUX
fsr-3355	164	16	applied	apply	VERB
fsr-3355	164	17	to	to	ADP
fsr-3355	164	18	racial	racial	ADJ
fsr-3355	164	19	/	/	SYM
fsr-3355	164	20	ethnic	ethnic	ADJ
fsr-3355	164	21	differences	difference	NOUN
fsr-3355	164	22	in	in	ADP
fsr-3355	164	23	seeking	seek	VERB
fsr-3355	164	24	financial	financial	ADJ
fsr-3355	164	25	advice	advice	NOUN
fsr-3355	164	26	.	.	PUNCT
fsr-3355	165	1	for	for	ADP
fsr-3355	165	2	the	the	DET
fsr-3355	165	3	current	current	ADJ
fsr-3355	165	4	study	study	NOUN
fsr-3355	165	5	,	,	PUNCT
fsr-3355	165	6	the	the	DET
fsr-3355	165	7	decomposition	decomposition	NOUN
fsr-3355	165	8	of	of	ADP
fsr-3355	165	9	the	the	DET
fsr-3355	165	10	racial	racial	ADJ
fsr-3355	165	11	/	/	SYM
fsr-3355	165	12	ethnic	ethnic	ADJ
fsr-3355	165	13	groups	group	NOUN
fsr-3355	165	14	was	be	AUX
fsr-3355	165	15	estimated	estimate	VERB
fsr-3355	165	16	as	as	SCONJ
fsr-3355	165	17	follows	follow	VERB
fsr-3355	165	18	:	:	PUNCT
fsr-3355	165	19	𝐻	𝐻	PROPN
fsr-3355	165	20	=	=	PUNCT
fsr-3355	165	21	𝐹(𝑋	𝐹(𝑋	PROPN
fsr-3355	165	22	�	�	NOUN
fsr-3355	165	23	̂	̂	NOUN
fsr-3355	165	24	�	�	NOUN
fsr-3355	165	25	)	)	PUNCT
fsr-3355	165	26	(	(	PUNCT
fsr-3355	165	27	1	1	X
fsr-3355	165	28	)	)	PUNCT
fsr-3355	165	29	�	�	PROPN
fsr-3355	165	30	̄	̄	NOUN
fsr-3355	165	31	�	�	PROPN
fsr-3355	165	32	1	1	NUM
fsr-3355	165	33	−	−	PROPN
fsr-3355	165	34	�	�	PROPN
fsr-3355	165	35	̄	̄	NOUN
fsr-3355	165	36	�	�	NOUN
fsr-3355	165	37	2	2	NUM
fsr-3355	165	38	=	=	SYM
fsr-3355	165	39	[	[	PUNCT
fsr-3355	165	40	1	1	NUM
fsr-3355	165	41	𝑁1	𝑁1	NOUN
fsr-3355	165	42	∑	∑	PROPN
fsr-3355	165	43	𝐹(𝑋𝑖	𝐹(𝑋𝑖	PROPN
fsr-3355	165	44	1	1	NUM
fsr-3355	165	45	�	�	PROPN
fsr-3355	165	46	̂	̂	VERB
fsr-3355	165	47	�	�	NOUN
fsr-3355	165	48	1	1	NUM
fsr-3355	165	49	)	)	PUNCT
fsr-3355	165	50	−𝑁1	−𝑁1	VERB
fsr-3355	165	51	𝑖=1	𝑖=1	PROPN
fsr-3355	165	52	1	1	NUM
fsr-3355	165	53	𝑁2	𝑁2	NOUN
fsr-3355	165	54	∑	∑	PUNCT
fsr-3355	165	55	𝐹(𝑋𝑖	𝐹(𝑋𝑖	ADV
fsr-3355	165	56	2	2	NUM
fsr-3355	165	57	�	�	PROPN
fsr-3355	165	58	̂	̂	NUM
fsr-3355	165	59	�	�	PROPN
fsr-3355	165	60	1)𝑁2	1)𝑁2	NUM
fsr-3355	165	61	𝑖=1	𝑖=1	PUNCT
fsr-3355	165	62	]	]	PUNCT
fsr-3355	166	1	+	+	CCONJ
fsr-3355	166	2	[	[	PUNCT
fsr-3355	166	3	1	1	NUM
fsr-3355	166	4	𝑁2	𝑁2	NOUN
fsr-3355	166	5	∑	∑	PUNCT
fsr-3355	166	6	𝐹(𝑋𝑖	𝐹(𝑋𝑖	ADV
fsr-3355	166	7	2	2	NUM
fsr-3355	166	8	�	�	PROPN
fsr-3355	166	9	̂	̂	VERB
fsr-3355	166	10	�	�	NOUN
fsr-3355	166	11	1	1	NUM
fsr-3355	166	12	)	)	PUNCT
fsr-3355	166	13	−𝑁2	−𝑁2	X
fsr-3355	166	14	𝑖=1	𝑖=1	PROPN
fsr-3355	166	15	1	1	NUM
fsr-3355	166	16	𝑁2	𝑁2	NOUN
fsr-3355	166	17	∑	∑	PUNCT
fsr-3355	166	18	𝐹(𝑋𝑖	𝐹(𝑋𝑖	ADV
fsr-3355	166	19	2	2	NUM
fsr-3355	166	20	�	�	PROPN
fsr-3355	166	21	̂	̂	NUM
fsr-3355	166	22	�	�	NOUN
fsr-3355	166	23	2)𝑁2	2)𝑁2	NUM
fsr-3355	166	24	𝑖=1	𝑖=1	PUNCT
fsr-3355	166	25	]	]	X
fsr-3355	166	26	(	(	PUNCT
fsr-3355	166	27	2	2	X
fsr-3355	166	28	)	)	PUNCT
fsr-3355	166	29	the	the	DET
fsr-3355	166	30	first	first	ADJ
fsr-3355	166	31	equation	equation	NOUN
fsr-3355	166	32	indicates	indicate	VERB
fsr-3355	166	33	general	general	ADJ
fsr-3355	166	34	logistic	logistic	ADJ
fsr-3355	166	35	regression	regression	NOUN
fsr-3355	166	36	.	.	PUNCT
fsr-3355	167	1	the	the	DET
fsr-3355	167	2	second	second	ADJ
fsr-3355	167	3	equation	equation	NOUN
fsr-3355	167	4	addresses	address	VERB
fsr-3355	167	5	the	the	DET
fsr-3355	167	6	differences	difference	NOUN
fsr-3355	167	7	between	between	ADP
fsr-3355	167	8	two	two	NUM
fsr-3355	167	9	groups	group	NOUN
fsr-3355	167	10	.	.	PUNCT
fsr-3355	168	1	more	more	ADV
fsr-3355	168	2	specifically	specifically	ADV
fsr-3355	168	3	,	,	PUNCT
fsr-3355	168	4	this	this	DET
fsr-3355	168	5	paper	paper	NOUN
fsr-3355	168	6	examined	examine	VERB
fsr-3355	168	7	differences	difference	NOUN
fsr-3355	168	8	in	in	ADP
fsr-3355	168	9	financial	financial	ADJ
fsr-3355	168	10	planner	planner	NOUN
fsr-3355	168	11	use	use	NOUN
fsr-3355	168	12	between	between	ADP
fsr-3355	168	13	blacks	black	NOUN
fsr-3355	168	14	and	and	CCONJ
fsr-3355	168	15	whites	white	NOUN
fsr-3355	168	16	,	,	PUNCT
fsr-3355	168	17	hispanics	hispanic	NOUN
fsr-3355	168	18	and	and	CCONJ
fsr-3355	168	19	whites	white	NOUN
fsr-3355	168	20	,	,	PUNCT
fsr-3355	168	21	asians	asians	PROPN
fsr-3355	168	22	/	/	SYM
fsr-3355	168	23	others	other	NOUN
fsr-3355	168	24	and	and	CCONJ
fsr-3355	168	25	whites	white	NOUN
fsr-3355	168	26	,	,	PUNCT
fsr-3355	168	27	blacks	black	NOUN
fsr-3355	168	28	and	and	CCONJ
fsr-3355	168	29	hispanics	hispanic	NOUN
fsr-3355	168	30	,	,	PUNCT
fsr-3355	168	31	blacks	black	NOUN
fsr-3355	168	32	and	and	CCONJ
fsr-3355	168	33	asians	asians	PROPN
fsr-3355	168	34	/	/	SYM
fsr-3355	168	35	others	other	NOUN
fsr-3355	168	36	,	,	PUNCT
fsr-3355	168	37	and	and	CCONJ
fsr-3355	168	38	hispanics	hispanic	NOUN
fsr-3355	168	39	and	and	CCONJ
fsr-3355	168	40	asians	asians	PROPN
fsr-3355	168	41	/	/	SYM
fsr-3355	168	42	others	other	NOUN
fsr-3355	168	43	.	.	PUNCT
fsr-3355	169	1	the	the	DET
fsr-3355	169	2	second	second	ADJ
fsr-3355	169	3	equation	equation	NOUN
fsr-3355	169	4	�	�	PROPN
fsr-3355	169	5	̄	̄	PROPN
fsr-3355	169	6	�	�	PROPN
fsr-3355	169	7	𝑗(	𝑗(	PROPN
fsr-3355	169	8	�	�	PROPN
fsr-3355	169	9	̄	̄	NOUN
fsr-3355	169	10	�	�	PROPN
fsr-3355	169	11	1	1	NUM
fsr-3355	169	12	,	,	PUNCT
fsr-3355	169	13	�	�	PROPN
fsr-3355	169	14	̄	̄	NOUN
fsr-3355	169	15	�	�	NOUN
fsr-3355	169	16	2	2	NUM
fsr-3355	169	17	)	)	PUNCT
fsr-3355	169	18	indicates	indicate	VERB
fsr-3355	169	19	the	the	DET
fsr-3355	169	20	average	average	ADJ
fsr-3355	169	21	probability	probability	NOUN
fsr-3355	169	22	of	of	ADP
fsr-3355	169	23	using	use	VERB
fsr-3355	169	24	a	a	DET
fsr-3355	169	25	financial	financial	ADJ
fsr-3355	169	26	planner	planner	NOUN
fsr-3355	169	27	for	for	ADP
fsr-3355	169	28	different	different	ADJ
fsr-3355	169	29	racial	racial	ADJ
fsr-3355	169	30	/	/	SYM
fsr-3355	169	31	ethnic	ethnic	ADJ
fsr-3355	169	32	groups	group	NOUN
fsr-3355	169	33	(	(	PUNCT
fsr-3355	169	34	j	j	NOUN
fsr-3355	169	35	)	)	PUNCT
fsr-3355	169	36	;	;	PUNCT
fsr-3355	169	37	𝑁𝑗(𝑁1	𝑁𝑗(𝑁1	PROPN
fsr-3355	169	38	,	,	PUNCT
fsr-3355	169	39	𝑁2	𝑁2	NOUN
fsr-3355	169	40	)	)	PUNCT
fsr-3355	169	41	represents	represent	VERB
fsr-3355	169	42	the	the	DET
fsr-3355	169	43	sample	sample	NOUN
fsr-3355	169	44	size	size	NOUN
fsr-3355	169	45	for	for	ADP
fsr-3355	169	46	group	group	NOUN
fsr-3355	169	47	1	1	NUM
fsr-3355	169	48	and	and	CCONJ
fsr-3355	169	49	group	group	NOUN
fsr-3355	169	50	2	2	NUM
fsr-3355	169	51	;	;	PUNCT
fsr-3355	169	52	�	�	PROPN
fsr-3355	169	53	̂	̂	SYM
fsr-3355	169	54	�	�	PROPN
fsr-3355	169	55	𝑗(	𝑗(	PROPN
fsr-3355	169	56	�	�	PROPN
fsr-3355	169	57	̂	̂	VERB
fsr-3355	169	58	�	�	NOUN
fsr-3355	169	59	1	1	NUM
fsr-3355	169	60	,	,	PUNCT
fsr-3355	169	61	�	�	NOUN
fsr-3355	169	62	̂	̂	VERB
fsr-3355	169	63	�	�	NOUN
fsr-3355	169	64	2	2	NUM
fsr-3355	169	65	)	)	PUNCT
fsr-3355	169	66	shows	show	VERB
fsr-3355	169	67	the	the	DET
fsr-3355	169	68	vector	vector	NOUN
fsr-3355	169	69	of	of	ADP
fsr-3355	169	70	coefficient	coefficient	NOUN
fsr-3355	169	71	estimates	estimate	NOUN
fsr-3355	169	72	for	for	ADP
fsr-3355	169	73	group	group	NOUN
fsr-3355	169	74	1	1	NUM
fsr-3355	169	75	and	and	CCONJ
fsr-3355	169	76	group	group	NOUN
fsr-3355	169	77	2	2	NUM
fsr-3355	169	78	;	;	PUNCT
fsr-3355	169	79	𝑋𝑖	𝑋𝑖	PROPN
fsr-3355	169	80	𝑗	𝑗	X
fsr-3355	169	81	(	(	PUNCT
fsr-3355	169	82	𝑋𝑖	𝑋𝑖	PROPN
fsr-3355	169	83	1	1	NUM
fsr-3355	169	84	,	,	PUNCT
fsr-3355	169	85	𝑋𝑖	𝑋𝑖	PROPN
fsr-3355	169	86	2	2	NUM
fsr-3355	169	87	)	)	PUNCT
fsr-3355	169	88	is	be	AUX
fsr-3355	169	89	a	a	DET
fsr-3355	169	90	row	row	NOUN
fsr-3355	169	91	vector	vector	NOUN
fsr-3355	169	92	of	of	ADP
fsr-3355	169	93	average	average	ADJ
fsr-3355	169	94	values	value	NOUN
fsr-3355	169	95	of	of	ADP
fsr-3355	169	96	the	the	DET
fsr-3355	169	97	independent	independent	ADJ
fsr-3355	169	98	variables	variable	NOUN
fsr-3355	169	99	.	.	PUNCT
fsr-3355	170	1	[	[	PUNCT
fsr-3355	170	2	1	1	NUM
fsr-3355	170	3	𝑁1	𝑁1	PRON
fsr-3355	170	4	∑	∑	PROPN
fsr-3355	170	5	𝐹(𝑋𝑖	𝐹(𝑋𝑖	PROPN
fsr-3355	170	6	1	1	NUM
fsr-3355	170	7	�	�	PROPN
fsr-3355	170	8	̂	̂	VERB
fsr-3355	170	9	�	�	NOUN
fsr-3355	170	10	1	1	NUM
fsr-3355	170	11	)	)	PUNCT
fsr-3355	170	12	−	−	NOUN
fsr-3355	170	13	1	1	NUM
fsr-3355	170	14	𝑁2	𝑁2	NOUN
fsr-3355	170	15	∑	∑	PUNCT
fsr-3355	170	16	𝐹(𝑋𝑖	𝐹(𝑋𝑖	ADV
fsr-3355	170	17	2	2	NUM
fsr-3355	170	18	�	�	PROPN
fsr-3355	170	19	̂	̂	SYM
fsr-3355	170	20	�	�	PROPN
fsr-3355	170	21	1)𝑁2	1)𝑁2	NUM
fsr-3355	170	22	𝑖=1	𝑖=1	PROPN
fsr-3355	170	23	𝑁1	𝑁1	PROPN
fsr-3355	170	24	𝑖=1	𝑖=1	PUNCT
fsr-3355	170	25	]	]	PUNCT
fsr-3355	170	26	(	(	PUNCT
fsr-3355	170	27	3	3	X
fsr-3355	170	28	)	)	PUNCT
fsr-3355	170	29	[	[	PUNCT
fsr-3355	170	30	1	1	NUM
fsr-3355	170	31	𝑁2	𝑁2	NOUN
fsr-3355	170	32	∑	∑	PUNCT
fsr-3355	170	33	𝐹(𝑋𝑖	𝐹(𝑋𝑖	ADV
fsr-3355	170	34	2	2	NUM
fsr-3355	170	35	�	�	PROPN
fsr-3355	170	36	̂	̂	VERB
fsr-3355	170	37	�	�	NOUN
fsr-3355	170	38	1	1	NUM
fsr-3355	170	39	)	)	PUNCT
fsr-3355	170	40	−	−	NOUN
fsr-3355	170	41	1	1	NUM
fsr-3355	170	42	𝑁2	𝑁2	NOUN
fsr-3355	170	43	∑	∑	PUNCT
fsr-3355	170	44	𝐹(𝑋𝑖	𝐹(𝑋𝑖	ADV
fsr-3355	170	45	2	2	NUM
fsr-3355	170	46	�	�	PROPN
fsr-3355	170	47	̂	̂	SYM
fsr-3355	170	48	�	�	NOUN
fsr-3355	170	49	2)𝑁2	2)𝑁2	NUM
fsr-3355	170	50	𝑖=1	𝑖=1	PROPN
fsr-3355	170	51	𝑁2	𝑁2	NOUN
fsr-3355	170	52	𝑖=1	𝑖=1	PUNCT
fsr-3355	170	53	]	]	PUNCT
fsr-3355	170	54	(	(	PUNCT
fsr-3355	170	55	4	4	X
fsr-3355	170	56	)	)	PUNCT
fsr-3355	170	57	following	follow	VERB
fsr-3355	170	58	fairlie	fairlie	PROPN
fsr-3355	170	59	’s	’s	PART
fsr-3355	170	60	techniques	technique	NOUN
fsr-3355	170	61	(	(	PUNCT
fsr-3355	170	62	2005	2005	NUM
fsr-3355	170	63	)	)	PUNCT
fsr-3355	170	64	,	,	PUNCT
fsr-3355	170	65	equation	equation	NOUN
fsr-3355	170	66	(	(	PUNCT
fsr-3355	170	67	3	3	X
fsr-3355	170	68	)	)	PUNCT
fsr-3355	170	69	is	be	AUX
fsr-3355	170	70	the	the	DET
fsr-3355	170	71	first	first	ADJ
fsr-3355	170	72	part	part	NOUN
fsr-3355	170	73	of	of	ADP
fsr-3355	170	74	equation	equation	NOUN
fsr-3355	170	75	(	(	PUNCT
fsr-3355	170	76	2	2	NUM
fsr-3355	170	77	)	)	PUNCT
fsr-3355	170	78	and	and	CCONJ
fsr-3355	170	79	measures	measure	VERB
fsr-3355	170	80	the	the	DET
fsr-3355	170	81	racial	racial	ADJ
fsr-3355	170	82	/	/	SYM
fsr-3355	170	83	ethnic	ethnic	ADJ
fsr-3355	170	84	gap	gap	NOUN
fsr-3355	170	85	due	due	ADP
fsr-3355	170	86	to	to	ADP
fsr-3355	170	87	the	the	DET
fsr-3355	170	88	different	different	ADJ
fsr-3355	170	89	distribution	distribution	NOUN
fsr-3355	170	90	of	of	ADP
fsr-3355	170	91	groups	group	NOUN
fsr-3355	170	92	𝑋𝑖	𝑋𝑖	PROPN
fsr-3355	170	93	𝑗	𝑗	INTJ
fsr-3355	170	94	(	(	PUNCT
fsr-3355	170	95	𝑋𝑖	𝑋𝑖	PROPN
fsr-3355	170	96	1	1	NUM
fsr-3355	170	97	,	,	PUNCT
fsr-3355	170	98	𝑋𝑖	𝑋𝑖	PROPN
fsr-3355	170	99	2	2	NUM
fsr-3355	170	100	)	)	PUNCT
fsr-3355	170	101	.	.	PUNCT
fsr-3355	171	1	equation	equation	NOUN
fsr-3355	171	2	(	(	PUNCT
fsr-3355	171	3	4	4	X
fsr-3355	171	4	)	)	PUNCT
fsr-3355	171	5	is	be	AUX
fsr-3355	171	6	the	the	DET
fsr-3355	171	7	second	second	ADJ
fsr-3355	171	8	part	part	NOUN
fsr-3355	171	9	of	of	ADP
fsr-3355	171	10	equation	equation	NOUN
fsr-3355	171	11	(	(	PUNCT
fsr-3355	171	12	2	2	NUM
fsr-3355	171	13	)	)	PUNCT
fsr-3355	171	14	and	and	CCONJ
fsr-3355	171	15	measures	measure	VERB
fsr-3355	171	16	the	the	DET
fsr-3355	171	17	“	"	PUNCT
fsr-3355	171	18	unexplained	unexplained	ADJ
fsr-3355	171	19	”	"	PUNCT
fsr-3355	171	20	portion	portion	NOUN
fsr-3355	171	21	of	of	ADP
fsr-3355	171	22	the	the	DET
fsr-3355	171	23	racial	racial	ADJ
fsr-3355	171	24	/	/	SYM
fsr-3355	171	25	ethnic	ethnic	ADJ
fsr-3355	171	26	gap	gap	NOUN
fsr-3355	171	27	due	due	ADJ
fsr-3355	171	28	to	to	ADP
fsr-3355	171	29	unobservable	unobservable	ADJ
fsr-3355	171	30	or	or	CCONJ
fsr-3355	171	31	unmeasurable	unmeasurable	ADJ
fsr-3355	171	32	endowments	endowment	NOUN
fsr-3355	171	33	,	,	PUNCT
fsr-3355	171	34	such	such	ADJ
fsr-3355	171	35	as	as	ADP
fsr-3355	171	36	data	datum	NOUN
fsr-3355	171	37	limitations	limitation	NOUN
fsr-3355	171	38	.	.	PUNCT
fsr-3355	172	1	this	this	DET
fsr-3355	172	2	study	study	NOUN
fsr-3355	172	3	focuses	focus	VERB
fsr-3355	172	4	on	on	ADP
fsr-3355	172	5	explaining	explain	VERB
fsr-3355	172	6	the	the	DET
fsr-3355	172	7	“	"	PUNCT
fsr-3355	172	8	explained	explain	VERB
fsr-3355	172	9	”	"	PUNCT
fsr-3355	172	10	part	part	NOUN
fsr-3355	172	11	from	from	ADP
fsr-3355	172	12	the	the	DET
fsr-3355	172	13	first	first	ADJ
fsr-3355	172	14	part	part	NOUN
fsr-3355	172	15	of	of	ADP
fsr-3355	172	16	equation	equation	NOUN
fsr-3355	172	17	(	(	PUNCT
fsr-3355	172	18	2	2	NUM
fsr-3355	172	19	)	)	PUNCT
fsr-3355	172	20	.	.	PUNCT
fsr-3355	173	1	since	since	SCONJ
fsr-3355	173	2	most	most	ADJ
fsr-3355	173	3	of	of	ADP
fsr-3355	173	4	the	the	DET
fsr-3355	173	5	respondents	respondent	NOUN
fsr-3355	173	6	in	in	ADP
fsr-3355	173	7	the	the	DET
fsr-3355	173	8	scf	scf	PROPN
fsr-3355	173	9	are	be	AUX
fsr-3355	173	10	white	white	ADJ
fsr-3355	173	11	,	,	PUNCT
fsr-3355	173	12	fairlie	fairlie	PROPN
fsr-3355	173	13	’s	’s	PART
fsr-3355	173	14	measurement	measurement	NOUN
fsr-3355	173	15	provides	provide	VERB
fsr-3355	173	16	for	for	ADP
fsr-3355	173	17	an	an	DET
fsr-3355	173	18	adjustment	adjustment	NOUN
fsr-3355	173	19	in	in	ADP
fsr-3355	173	20	sample	sample	NOUN
fsr-3355	173	21	selection	selection	NOUN
fsr-3355	173	22	bias	bias	NOUN
fsr-3355	173	23	due	due	ADP
fsr-3355	173	24	to	to	ADP
fsr-3355	173	25	an	an	DET
fsr-3355	173	26	uneven	uneven	ADJ
fsr-3355	173	27	sample	sample	NOUN
fsr-3355	173	28	size	size	NOUN
fsr-3355	173	29	.	.	PUNCT
fsr-3355	174	1	in	in	ADP
fsr-3355	174	2	this	this	DET
fsr-3355	174	3	study	study	NOUN
fsr-3355	174	4	,	,	PUNCT
fsr-3355	174	5	we	we	PRON
fsr-3355	174	6	specified	specify	VERB
fsr-3355	174	7	100	100	NUM
fsr-3355	174	8	decomposition	decomposition	NOUN
fsr-3355	174	9	replications	replication	NOUN
fsr-3355	174	10	and	and	CCONJ
fsr-3355	174	11	utilized	utilize	VERB
fsr-3355	174	12	the	the	DET
fsr-3355	174	13	mean	mean	NOUN
fsr-3355	174	14	of	of	ADP
fsr-3355	174	15	100	100	NUM
fsr-3355	174	16	estimations	estimation	NOUN
fsr-3355	174	17	to	to	PART
fsr-3355	174	18	conduct	conduct	VERB
fsr-3355	174	19	the	the	DET
fsr-3355	174	20	differences	difference	NOUN
fsr-3355	174	21	across	across	ADP
fsr-3355	174	22	racial	racial	ADJ
fsr-3355	174	23	/	/	SYM
fsr-3355	174	24	ethnic	ethnic	ADJ
fsr-3355	174	25	groups	group	NOUN
fsr-3355	174	26	.	.	PUNCT
fsr-3355	175	1	the	the	DET
fsr-3355	175	2	degree	degree	NOUN
fsr-3355	175	3	to	to	PART
fsr-3355	175	4	which	which	PRON
fsr-3355	175	5	a	a	DET
fsr-3355	175	6	variable	variable	NOUN
fsr-3355	175	7	contributes	contribute	VERB
fsr-3355	175	8	to	to	ADP
fsr-3355	175	9	the	the	DET
fsr-3355	175	10	racial	racial	ADJ
fsr-3355	175	11	/	/	SYM
fsr-3355	175	12	ethnic	ethnic	ADJ
fsr-3355	175	13	gap	gap	NOUN
fsr-3355	175	14	in	in	ADP
fsr-3355	175	15	financial	financial	ADJ
fsr-3355	175	16	planner	planner	NOUN
fsr-3355	175	17	use	use	NOUN
fsr-3355	175	18	could	could	AUX
fsr-3355	175	19	vary	vary	AUX
fsr-3355	175	20	slightly	slightly	ADV
fsr-3355	175	21	based	base	VERB
fsr-3355	175	22	on	on	ADP
fsr-3355	175	23	the	the	DET
fsr-3355	175	24	order	order	NOUN
fsr-3355	175	25	in	in	ADP
fsr-3355	175	26	which	which	PRON
fsr-3355	175	27	an	an	DET
fsr-3355	175	28	independent	independent	ADJ
fsr-3355	175	29	variable	variable	NOUN
fsr-3355	175	30	is	be	AUX
fsr-3355	175	31	placed	place	VERB
fsr-3355	175	32	in	in	ADP
fsr-3355	175	33	the	the	DET
fsr-3355	175	34	model	model	NOUN
fsr-3355	175	35	(	(	PUNCT
fsr-3355	175	36	fairlie	fairlie	PROPN
fsr-3355	175	37	,	,	PUNCT
fsr-3355	175	38	2005	2005	NUM
fsr-3355	175	39	)	)	PUNCT
fsr-3355	175	40	.	.	PUNCT
fsr-3355	176	1	for	for	ADP
fsr-3355	176	2	the	the	DET
fsr-3355	176	3	decomposition	decomposition	NOUN
fsr-3355	176	4	analyses	analysis	NOUN
fsr-3355	176	5	in	in	ADP
fsr-3355	176	6	this	this	DET
fsr-3355	176	7	paper	paper	NOUN
fsr-3355	176	8	,	,	PUNCT
fsr-3355	176	9	the	the	DET
fsr-3355	176	10	independent	independent	ADJ
fsr-3355	176	11	variables	variable	NOUN
fsr-3355	176	12	will	will	AUX
fsr-3355	176	13	be	be	AUX
fsr-3355	176	14	ordered	order	VERB
fsr-3355	176	15	as	as	SCONJ
fsr-3355	176	16	follows	follow	VERB
fsr-3355	176	17	:	:	PUNCT
fsr-3355	176	18	gender	gender	NOUN
fsr-3355	176	19	,	,	PUNCT
fsr-3355	176	20	age	age	NOUN
fsr-3355	176	21	,	,	PUNCT
fsr-3355	176	22	marital	marital	ADJ
fsr-3355	176	23	status	status	NOUN
fsr-3355	176	24	,	,	PUNCT
fsr-3355	176	25	income	income	NOUN
fsr-3355	176	26	,	,	PUNCT
fsr-3355	176	27	net	net	ADJ
fsr-3355	176	28	worth	worth	NOUN
fsr-3355	176	29	,	,	PUNCT
fsr-3355	176	30	risk	risk	NOUN
fsr-3355	176	31	tolerance	tolerance	NOUN
fsr-3355	176	32	,	,	PUNCT
fsr-3355	176	33	investment	investment	NOUN
fsr-3355	176	34	horizon	horizon	NOUN
fsr-3355	176	35	,	,	PUNCT
fsr-3355	176	36	subjective	subjective	ADJ
fsr-3355	176	37	financial	financial	ADJ
fsr-3355	176	38	knowledge	knowledge	NOUN
fsr-3355	176	39	,	,	PUNCT
fsr-3355	176	40	objective	objective	ADJ
fsr-3355	176	41	financial	financial	ADJ
fsr-3355	176	42	knowledge	knowledge	NOUN
fsr-3355	176	43	,	,	PUNCT
fsr-3355	176	44	household	household	NOUN
fsr-3355	176	45	size	size	NOUN
fsr-3355	176	46	,	,	PUNCT
fsr-3355	176	47	educational	educational	ADJ
fsr-3355	176	48	attainment	attainment	NOUN
fsr-3355	176	49	,	,	PUNCT
fsr-3355	176	50	homeownership	homeownership	NOUN
fsr-3355	176	51	,	,	PUNCT
fsr-3355	176	52	employment	employment	NOUN
fsr-3355	176	53	status	status	NOUN
fsr-3355	176	54	,	,	PUNCT
fsr-3355	176	55	and	and	CCONJ
fsr-3355	176	56	emergency	emergency	NOUN
fsr-3355	176	57	account	account	NOUN
fsr-3355	176	58	access	access	NOUN
fsr-3355	176	59	.	.	PUNCT
fsr-3355	177	1	results	result	NOUN
fsr-3355	177	2	descriptive	descriptive	ADJ
fsr-3355	177	3	statistics	statistic	NOUN
fsr-3355	177	4	table	table	NOUN
fsr-3355	177	5	1	1	NUM
fsr-3355	177	6	shows	show	VERB
fsr-3355	177	7	the	the	DET
fsr-3355	177	8	percentage	percentage	NOUN
fsr-3355	177	9	of	of	ADP
fsr-3355	177	10	populations	population	NOUN
fsr-3355	177	11	using	use	VERB
fsr-3355	177	12	a	a	DET
fsr-3355	177	13	financial	financial	ADJ
fsr-3355	177	14	planner	planner	NOUN
fsr-3355	177	15	for	for	ADP
fsr-3355	177	16	saving	saving	NOUN
fsr-3355	177	17	and	and	CCONJ
fsr-3355	177	18	investment	investment	NOUN
fsr-3355	177	19	decisions	decision	NOUN
fsr-3355	177	20	by	by	ADP
fsr-3355	177	21	race	race	NOUN
fsr-3355	177	22	and	and	CCONJ
fsr-3355	177	23	ethnicity	ethnicity	NOUN
fsr-3355	177	24	.	.	PUNCT
fsr-3355	178	1	for	for	ADP
fsr-3355	178	2	the	the	DET
fsr-3355	178	3	2016	2016	NUM
fsr-3355	178	4	wave	wave	NOUN
fsr-3355	178	5	of	of	ADP
fsr-3355	178	6	the	the	DET
fsr-3355	178	7	scf	scf	PROPN
fsr-3355	178	8	,	,	PUNCT
fsr-3355	178	9	about	about	ADV
fsr-3355	178	10	24	24	NUM
fsr-3355	178	11	%	%	NOUN
fsr-3355	178	12	of	of	ADP
fsr-3355	178	13	black	black	ADJ
fsr-3355	178	14	,	,	PUNCT
fsr-3355	178	15	17	17	NUM
fsr-3355	178	16	%	%	NOUN
fsr-3355	178	17	of	of	ADP
fsr-3355	178	18	hispanic	hispanic	NOUN
fsr-3355	178	19	,	,	PUNCT
fsr-3355	178	20	30	30	NUM
fsr-3355	178	21	%	%	NOUN
fsr-3355	178	22	of	of	ADP
fsr-3355	178	23	asian	asian	ADJ
fsr-3355	178	24	/	/	SYM
fsr-3355	178	25	other	other	ADJ
fsr-3355	178	26	,	,	PUNCT
fsr-3355	178	27	and	and	CCONJ
fsr-3355	178	28	38	38	NUM
fsr-3355	178	29	%	%	NOUN
fsr-3355	178	30	of	of	ADP
fsr-3355	178	31	white	white	ADJ
fsr-3355	178	32	households	household	NOUN
fsr-3355	178	33	used	use	VERB
fsr-3355	178	34	financial	financial	ADJ
fsr-3355	178	35	planners	planner	NOUN
fsr-3355	178	36	for	for	ADP
fsr-3355	178	37	financial	financial	ADJ
fsr-3355	178	38	services	service	NOUN
fsr-3355	178	39	review	review	NOUN
fsr-3355	178	40	,	,	PUNCT
fsr-3355	178	41	32(4	32(4	NUM
fsr-3355	178	42	)	)	PUNCT
fsr-3355	178	43	34	34	NUM
fsr-3355	178	44	saving	save	VERB
fsr-3355	178	45	and	and	CCONJ
fsr-3355	178	46	investing	investing	NOUN
fsr-3355	178	47	decisions	decision	NOUN
fsr-3355	178	48	.	.	PUNCT
fsr-3355	179	1	usage	usage	NOUN
fsr-3355	179	2	was	be	AUX
fsr-3355	179	3	similar	similar	ADJ
fsr-3355	179	4	for	for	ADP
fsr-3355	179	5	the	the	DET
fsr-3355	179	6	2019	2019	NUM
fsr-3355	179	7	wave	wave	NOUN
fsr-3355	179	8	at	at	ADP
fsr-3355	179	9	23	23	NUM
fsr-3355	179	10	%	%	NOUN
fsr-3355	179	11	,	,	PUNCT
fsr-3355	179	12	21	21	NUM
fsr-3355	179	13	%	%	NOUN
fsr-3355	179	14	,	,	PUNCT
fsr-3355	179	15	32	32	NUM
fsr-3355	179	16	%	%	NOUN
fsr-3355	179	17	and	and	CCONJ
fsr-3355	179	18	37	37	NUM
fsr-3355	179	19	%	%	NOUN
fsr-3355	179	20	,	,	PUNCT
fsr-3355	179	21	respectively	respectively	ADV
fsr-3355	179	22	.	.	PUNCT
fsr-3355	180	1	when	when	SCONJ
fsr-3355	180	2	combining	combine	VERB
fsr-3355	180	3	the	the	DET
fsr-3355	180	4	2016	2016	NUM
fsr-3355	180	5	and	and	CCONJ
fsr-3355	180	6	2019	2019	NUM
fsr-3355	180	7	waves	wave	NOUN
fsr-3355	180	8	,	,	PUNCT
fsr-3355	180	9	about	about	ADV
fsr-3355	180	10	24	24	NUM
fsr-3355	180	11	%	%	NOUN
fsr-3355	180	12	of	of	ADP
fsr-3355	180	13	black	black	ADJ
fsr-3355	180	14	,	,	PUNCT
fsr-3355	180	15	19	19	NUM
fsr-3355	180	16	%	%	NOUN
fsr-3355	180	17	of	of	ADP
fsr-3355	180	18	hispanic	hispanic	NOUN
fsr-3355	180	19	,	,	PUNCT
fsr-3355	180	20	31	31	NUM
fsr-3355	180	21	%	%	NOUN
fsr-3355	180	22	of	of	ADP
fsr-3355	180	23	asian	asian	ADJ
fsr-3355	180	24	/	/	SYM
fsr-3355	180	25	other	other	ADJ
fsr-3355	180	26	,	,	PUNCT
fsr-3355	180	27	and	and	CCONJ
fsr-3355	180	28	38	38	NUM
fsr-3355	180	29	%	%	NOUN
fsr-3355	180	30	of	of	ADP
fsr-3355	180	31	white	white	ADJ
fsr-3355	180	32	consumers	consumer	NOUN
fsr-3355	180	33	used	use	VERB
fsr-3355	180	34	financial	financial	ADJ
fsr-3355	180	35	planners	planner	NOUN
fsr-3355	180	36	for	for	ADP
fsr-3355	180	37	saving	save	VERB
fsr-3355	180	38	and	and	CCONJ
fsr-3355	180	39	investing	investing	NOUN
fsr-3355	180	40	decisions	decision	NOUN
fsr-3355	180	41	.	.	PUNCT
fsr-3355	181	1	table	table	NOUN
fsr-3355	181	2	1	1	NUM
fsr-3355	181	3	.	.	PUNCT
fsr-3355	182	1	mean	mean	ADJ
fsr-3355	182	2	levels	level	NOUN
fsr-3355	182	3	of	of	ADP
fsr-3355	182	4	financial	financial	ADJ
fsr-3355	182	5	planner	planner	NOUN
fsr-3355	182	6	use	use	NOUN
fsr-3355	182	7	for	for	ADP
fsr-3355	182	8	savings	saving	NOUN
fsr-3355	182	9	and	and	CCONJ
fsr-3355	182	10	investments	investment	NOUN
fsr-3355	182	11	decisions	decision	NOUN
fsr-3355	182	12	by	by	ADP
fsr-3355	182	13	race	race	NOUN
fsr-3355	182	14	/	/	SYM
fsr-3355	182	15	ethnicity	ethnicity	NOUN
fsr-3355	182	16	racial	racial	ADJ
fsr-3355	182	17	/	/	SYM
fsr-3355	182	18	ethnic	ethnic	ADJ
fsr-3355	182	19	category	category	NOUN
fsr-3355	182	20	black	black	ADJ
fsr-3355	182	21	hispanic	hispanic	ADJ
fsr-3355	182	22	asian	asian	ADJ
fsr-3355	182	23	/	/	SYM
fsr-3355	182	24	other	other	ADJ
fsr-3355	182	25	white	white	ADJ
fsr-3355	182	26	total	total	ADJ
fsr-3355	182	27	survey	survey	NOUN
fsr-3355	182	28	year	year	NOUN
fsr-3355	182	29	2016	2016	NUM
fsr-3355	182	30	percent	percent	NOUN
fsr-3355	182	31	of	of	ADP
fsr-3355	182	32	group	group	NOUN
fsr-3355	182	33	using	use	VERB
fsr-3355	182	34	24	24	NUM
fsr-3355	182	35	%	%	NOUN
fsr-3355	182	36	17	17	NUM
fsr-3355	182	37	%	%	NOUN
fsr-3355	182	38	30	30	NUM
fsr-3355	182	39	%	%	NOUN
fsr-3355	182	40	38	38	NUM
fsr-3355	182	41	%	%	NOUN
fsr-3355	182	42	34	34	NUM
fsr-3355	182	43	%	%	NOUN
fsr-3355	182	44	n	n	CCONJ
fsr-3355	182	45	204	204	NUM
fsr-3355	182	46	106	106	NUM
fsr-3355	182	47	97	97	NUM
fsr-3355	182	48	1,723	1,723	NUM
fsr-3355	182	49	2,130	2,130	NUM
fsr-3355	182	50	survey	survey	NOUN
fsr-3355	182	51	year	year	NOUN
fsr-3355	182	52	2019	2019	NUM
fsr-3355	182	53	percent	percent	NOUN
fsr-3355	182	54	of	of	ADP
fsr-3355	182	55	group	group	NOUN
fsr-3355	182	56	using	use	VERB
fsr-3355	182	57	23	23	NUM
fsr-3355	182	58	%	%	NOUN
fsr-3355	182	59	21	21	NUM
fsr-3355	182	60	%	%	NOUN
fsr-3355	182	61	32	32	NUM
fsr-3355	182	62	%	%	NOUN
fsr-3355	182	63	37	37	NUM
fsr-3355	182	64	%	%	NOUN
fsr-3355	182	65	33	33	NUM
fsr-3355	182	66	%	%	NOUN
fsr-3355	182	67	n	n	CCONJ
fsr-3355	182	68	174	174	NUM
fsr-3355	182	69	115	115	NUM
fsr-3355	182	70	103	103	NUM
fsr-3355	182	71	1,537	1,537	NUM
fsr-3355	182	72	1,929	1,929	NUM
fsr-3355	182	73	pooled	pool	VERB
fsr-3355	182	74	years	year	NOUN
fsr-3355	182	75	(	(	PUNCT
fsr-3355	182	76	2016	2016	NUM
fsr-3355	182	77	and	and	CCONJ
fsr-3355	182	78	2019	2019	NUM
fsr-3355	182	79	)	)	PUNCT
fsr-3355	182	80	percent	percent	NOUN
fsr-3355	182	81	of	of	ADP
fsr-3355	182	82	group	group	NOUN
fsr-3355	182	83	using	use	VERB
fsr-3355	182	84	24	24	NUM
fsr-3355	182	85	%	%	NOUN
fsr-3355	182	86	19	19	NUM
fsr-3355	182	87	%	%	NOUN
fsr-3355	182	88	31	31	NUM
fsr-3355	182	89	%	%	NOUN
fsr-3355	182	90	38	38	NUM
fsr-3355	182	91	%	%	NOUN
fsr-3355	182	92	34	34	NUM
fsr-3355	182	93	%	%	NOUN
fsr-3355	182	94	n	n	CCONJ
fsr-3355	182	95	378	378	NUM
fsr-3355	182	96	221	221	NUM
fsr-3355	182	97	200	200	NUM
fsr-3355	182	98	3,260	3,260	NUM
fsr-3355	182	99	4,059	4,059	NUM
fsr-3355	182	100	note	note	NOUN
fsr-3355	182	101	:	:	PUNCT
fsr-3355	182	102	weighted	weight	VERB
fsr-3355	182	103	proportion	proportion	NOUN
fsr-3355	182	104	.	.	PUNCT
fsr-3355	183	1	table	table	NOUN
fsr-3355	183	2	2	2	NUM
fsr-3355	183	3	shows	show	VERB
fsr-3355	183	4	the	the	DET
fsr-3355	183	5	characteristics	characteristic	NOUN
fsr-3355	183	6	of	of	ADP
fsr-3355	183	7	respondents	respondent	NOUN
fsr-3355	183	8	who	who	PRON
fsr-3355	183	9	used	use	VERB
fsr-3355	183	10	financial	financial	ADJ
fsr-3355	183	11	planners	planner	NOUN
fsr-3355	183	12	for	for	ADP
fsr-3355	183	13	savings	saving	NOUN
fsr-3355	183	14	and	and	CCONJ
fsr-3355	183	15	investment	investment	NOUN
fsr-3355	183	16	decisions	decision	NOUN
fsr-3355	183	17	in	in	ADP
fsr-3355	183	18	the	the	DET
fsr-3355	183	19	combined	combine	VERB
fsr-3355	183	20	2016	2016	NUM
fsr-3355	183	21	and	and	CCONJ
fsr-3355	183	22	2019	2019	NUM
fsr-3355	183	23	waves	wave	NOUN
fsr-3355	183	24	of	of	ADP
fsr-3355	183	25	the	the	DET
fsr-3355	183	26	scf	scf	PROPN
fsr-3355	183	27	.	.	PUNCT
fsr-3355	184	1	about	about	ADV
fsr-3355	184	2	80	80	NUM
fsr-3355	184	3	%	%	NOUN
fsr-3355	184	4	of	of	ADP
fsr-3355	184	5	the	the	DET
fsr-3355	184	6	respondents	respondent	NOUN
fsr-3355	184	7	were	be	AUX
fsr-3355	184	8	white	white	ADJ
fsr-3355	184	9	,	,	PUNCT
fsr-3355	184	10	while	while	SCONJ
fsr-3355	184	11	the	the	DET
fsr-3355	184	12	rest	rest	NOUN
fsr-3355	184	13	were	be	AUX
fsr-3355	184	14	9	9	NUM
fsr-3355	184	15	%	%	NOUN
fsr-3355	184	16	black	black	NOUN
fsr-3355	184	17	,	,	PUNCT
fsr-3355	184	18	5	5	NUM
fsr-3355	184	19	%	%	NOUN
fsr-3355	184	20	hispanic	hispanic	NOUN
fsr-3355	184	21	and	and	CCONJ
fsr-3355	184	22	5	5	NUM
fsr-3355	184	23	%	%	NOUN
fsr-3355	184	24	asian	asian	ADJ
fsr-3355	184	25	/	/	SYM
fsr-3355	184	26	other	other	ADJ
fsr-3355	184	27	.	.	PUNCT
fsr-3355	185	1	about	about	ADV
fsr-3355	185	2	58	58	NUM
fsr-3355	185	3	%	%	NOUN
fsr-3355	185	4	of	of	ADP
fsr-3355	185	5	black	black	ADJ
fsr-3355	185	6	respondents	respondent	NOUN
fsr-3355	185	7	were	be	AUX
fsr-3355	185	8	women	woman	NOUN
fsr-3355	185	9	,	,	PUNCT
fsr-3355	185	10	compared	compare	VERB
fsr-3355	185	11	to	to	ADP
fsr-3355	185	12	39	39	NUM
fsr-3355	185	13	%	%	NOUN
fsr-3355	185	14	white	white	ADJ
fsr-3355	185	15	,	,	PUNCT
fsr-3355	185	16	49	49	NUM
fsr-3355	185	17	%	%	NOUN
fsr-3355	185	18	hispanic	hispanic	NOUN
fsr-3355	185	19	,	,	PUNCT
fsr-3355	185	20	and	and	CCONJ
fsr-3355	185	21	35	35	NUM
fsr-3355	185	22	%	%	NOUN
fsr-3355	185	23	asian	asian	ADJ
fsr-3355	185	24	/	/	SYM
fsr-3355	185	25	other	other	ADJ
fsr-3355	185	26	respondents	respondent	NOUN
fsr-3355	185	27	.	.	PUNCT
fsr-3355	186	1	white	white	ADJ
fsr-3355	186	2	respondents	respondent	NOUN
fsr-3355	186	3	had	have	VERB
fsr-3355	186	4	the	the	DET
fsr-3355	186	5	oldest	old	ADJ
fsr-3355	186	6	mean	mean	ADJ
fsr-3355	186	7	age	age	NOUN
fsr-3355	186	8	of	of	ADP
fsr-3355	186	9	56	56	NUM
fsr-3355	186	10	,	,	PUNCT
fsr-3355	186	11	while	while	SCONJ
fsr-3355	186	12	hispanic	hispanic	ADJ
fsr-3355	186	13	respondents	respondent	NOUN
fsr-3355	186	14	were	be	AUX
fsr-3355	186	15	the	the	DET
fsr-3355	186	16	youngest	young	ADJ
fsr-3355	186	17	,	,	PUNCT
fsr-3355	186	18	with	with	ADP
fsr-3355	186	19	a	a	DET
fsr-3355	186	20	mean	mean	ADJ
fsr-3355	186	21	age	age	NOUN
fsr-3355	186	22	of	of	ADP
fsr-3355	186	23	45	45	NUM
fsr-3355	186	24	.	.	PUNCT
fsr-3355	187	1	white	white	ADJ
fsr-3355	187	2	,	,	PUNCT
fsr-3355	187	3	hispanic	hispanic	ADJ
fsr-3355	187	4	,	,	PUNCT
fsr-3355	187	5	and	and	CCONJ
fsr-3355	187	6	asian	asian	ADJ
fsr-3355	187	7	/	/	SYM
fsr-3355	187	8	other	other	ADJ
fsr-3355	187	9	respondents	respondent	NOUN
fsr-3355	187	10	were	be	AUX
fsr-3355	187	11	more	more	ADV
fsr-3355	187	12	likely	likely	ADJ
fsr-3355	187	13	to	to	PART
fsr-3355	187	14	be	be	AUX
fsr-3355	187	15	married	marry	VERB
fsr-3355	187	16	than	than	ADP
fsr-3355	187	17	black	black	ADJ
fsr-3355	187	18	respondents	respondent	NOUN
fsr-3355	187	19	.	.	PUNCT
fsr-3355	188	1	white	white	ADJ
fsr-3355	188	2	and	and	CCONJ
fsr-3355	188	3	asian	asian	ADJ
fsr-3355	188	4	/	/	SYM
fsr-3355	188	5	other	other	ADJ
fsr-3355	188	6	respondents	respondent	NOUN
fsr-3355	188	7	tended	tend	VERB
fsr-3355	188	8	to	to	PART
fsr-3355	188	9	have	have	VERB
fsr-3355	188	10	higher	high	ADJ
fsr-3355	188	11	levels	level	NOUN
fsr-3355	188	12	of	of	ADP
fsr-3355	188	13	income	income	NOUN
fsr-3355	188	14	.	.	PUNCT
fsr-3355	189	1	as	as	ADP
fsr-3355	189	2	for	for	ADP
fsr-3355	189	3	risk	risk	NOUN
fsr-3355	189	4	tolerance	tolerance	NOUN
fsr-3355	189	5	,	,	PUNCT
fsr-3355	189	6	black	black	ADJ
fsr-3355	189	7	and	and	CCONJ
fsr-3355	189	8	hispanic	hispanic	ADJ
fsr-3355	189	9	respondents	respondent	NOUN
fsr-3355	189	10	had	have	VERB
fsr-3355	189	11	higher	high	ADJ
fsr-3355	189	12	proportions	proportion	NOUN
fsr-3355	189	13	who	who	PRON
fsr-3355	189	14	reported	report	VERB
fsr-3355	189	15	taking	take	VERB
fsr-3355	189	16	no	no	DET
fsr-3355	189	17	risk	risk	NOUN
fsr-3355	189	18	or	or	CCONJ
fsr-3355	189	19	taking	take	VERB
fsr-3355	189	20	substantial	substantial	ADJ
fsr-3355	189	21	risk	risk	NOUN
fsr-3355	189	22	compared	compare	VERB
fsr-3355	189	23	to	to	ADP
fsr-3355	189	24	white	white	ADJ
fsr-3355	189	25	and	and	CCONJ
fsr-3355	189	26	asian	asian	ADJ
fsr-3355	189	27	/	/	SYM
fsr-3355	189	28	other	other	ADJ
fsr-3355	189	29	respondents	respondent	NOUN
fsr-3355	189	30	.	.	PUNCT
fsr-3355	190	1	in	in	ADP
fsr-3355	190	2	terms	term	NOUN
fsr-3355	190	3	of	of	ADP
fsr-3355	190	4	investment	investment	NOUN
fsr-3355	190	5	horizon	horizon	NOUN
fsr-3355	190	6	,	,	PUNCT
fsr-3355	190	7	a	a	DET
fsr-3355	190	8	higher	high	ADJ
fsr-3355	190	9	percentage	percentage	NOUN
fsr-3355	190	10	of	of	ADP
fsr-3355	190	11	white	white	ADJ
fsr-3355	190	12	(	(	PUNCT
fsr-3355	190	13	32	32	NUM
fsr-3355	190	14	%	%	NOUN
fsr-3355	190	15	)	)	PUNCT
fsr-3355	190	16	,	,	PUNCT
fsr-3355	190	17	hispanic	hispanic	ADJ
fsr-3355	190	18	(	(	PUNCT
fsr-3355	190	19	27	27	NUM
fsr-3355	190	20	%	%	NOUN
fsr-3355	190	21	)	)	PUNCT
fsr-3355	190	22	,	,	PUNCT
fsr-3355	190	23	and	and	CCONJ
fsr-3355	190	24	asian	asian	ADJ
fsr-3355	190	25	/	/	SYM
fsr-3355	190	26	other	other	ADJ
fsr-3355	190	27	(	(	PUNCT
fsr-3355	190	28	30	30	NUM
fsr-3355	190	29	%	%	NOUN
fsr-3355	190	30	)	)	PUNCT
fsr-3355	190	31	fell	fall	VERB
fsr-3355	190	32	into	into	ADP
fsr-3355	190	33	the	the	DET
fsr-3355	190	34	“	"	PUNCT
fsr-3355	190	35	5	5	NUM
fsr-3355	190	36	-	-	SYM
fsr-3355	190	37	10	10	NUM
fsr-3355	190	38	years	year	NOUN
fsr-3355	190	39	investment	investment	NOUN
fsr-3355	190	40	horizon	horizon	NOUN
fsr-3355	190	41	"	"	PUNCT
fsr-3355	190	42	category	category	NOUN
fsr-3355	190	43	.	.	PUNCT
fsr-3355	191	1	in	in	ADP
fsr-3355	191	2	comparison	comparison	NOUN
fsr-3355	191	3	,	,	PUNCT
fsr-3355	191	4	more	more	ADJ
fsr-3355	191	5	black	black	ADJ
fsr-3355	191	6	respondents	respondent	NOUN
fsr-3355	191	7	(	(	PUNCT
fsr-3355	191	8	28	28	NUM
fsr-3355	191	9	%	%	NOUN
fsr-3355	191	10	)	)	PUNCT
fsr-3355	191	11	chose	choose	VERB
fsr-3355	191	12	“	"	PUNCT
fsr-3355	191	13	next	next	ADJ
fsr-3355	191	14	few	few	ADJ
fsr-3355	191	15	years	year	NOUN
fsr-3355	191	16	”	"	PUNCT
fsr-3355	191	17	as	as	ADP
fsr-3355	191	18	their	their	PRON
fsr-3355	191	19	investment	investment	NOUN
fsr-3355	191	20	time	time	NOUN
fsr-3355	191	21	horizon	horizon	NOUN
fsr-3355	191	22	.	.	PUNCT
fsr-3355	192	1	in	in	ADP
fsr-3355	192	2	addition	addition	NOUN
fsr-3355	192	3	,	,	PUNCT
fsr-3355	192	4	white	white	ADJ
fsr-3355	192	5	and	and	CCONJ
fsr-3355	192	6	asian	asian	ADJ
fsr-3355	192	7	/	/	SYM
fsr-3355	192	8	other	other	ADJ
fsr-3355	192	9	respondents	respondent	NOUN
fsr-3355	192	10	had	have	VERB
fsr-3355	192	11	higher	high	ADJ
fsr-3355	192	12	subjective	subjective	ADJ
fsr-3355	192	13	and	and	CCONJ
fsr-3355	192	14	objective	objective	ADJ
fsr-3355	192	15	financial	financial	ADJ
fsr-3355	192	16	knowledge	knowledge	NOUN
fsr-3355	192	17	scores	score	NOUN
fsr-3355	192	18	than	than	ADP
fsr-3355	192	19	black	black	ADJ
fsr-3355	192	20	and	and	CCONJ
fsr-3355	192	21	hispanic	hispanic	ADJ
fsr-3355	192	22	respondents	respondent	NOUN
fsr-3355	192	23	.	.	PUNCT
fsr-3355	193	1	white	white	ADJ
fsr-3355	193	2	and	and	CCONJ
fsr-3355	193	3	asian	asian	ADJ
fsr-3355	193	4	/	/	SYM
fsr-3355	193	5	other	other	ADJ
fsr-3355	193	6	respondents	respondent	NOUN
fsr-3355	193	7	had	have	VERB
fsr-3355	193	8	similar	similar	ADJ
fsr-3355	193	9	educational	educational	ADJ
fsr-3355	193	10	attainment	attainment	ADJ
fsr-3355	193	11	rates	rate	NOUN
fsr-3355	193	12	at	at	ADP
fsr-3355	193	13	the	the	DET
fsr-3355	193	14	bachelor	bachelor	NOUN
fsr-3355	193	15	’s	’s	PART
fsr-3355	193	16	degree	degree	NOUN
fsr-3355	193	17	or	or	CCONJ
fsr-3355	193	18	higher	high	ADJ
fsr-3355	193	19	level	level	NOUN
fsr-3355	193	20	,	,	PUNCT
fsr-3355	193	21	with	with	ADP
fsr-3355	193	22	over	over	ADP
fsr-3355	193	23	70	70	NUM
fsr-3355	193	24	%	%	NOUN
fsr-3355	193	25	of	of	ADP
fsr-3355	193	26	their	their	PRON
fsr-3355	193	27	samples	sample	NOUN
fsr-3355	193	28	represented	represent	VERB
fsr-3355	193	29	in	in	ADP
fsr-3355	193	30	this	this	DET
fsr-3355	193	31	category	category	NOUN
fsr-3355	193	32	.	.	PUNCT
fsr-3355	194	1	black	black	ADJ
fsr-3355	194	2	and	and	CCONJ
fsr-3355	194	3	hispanic	hispanic	ADJ
fsr-3355	194	4	respondents	respondent	NOUN
fsr-3355	194	5	were	be	AUX
fsr-3355	194	6	also	also	ADV
fsr-3355	194	7	similar	similar	ADJ
fsr-3355	194	8	to	to	ADP
fsr-3355	194	9	one	one	NUM
fsr-3355	194	10	another	another	DET
fsr-3355	194	11	in	in	ADP
fsr-3355	194	12	that	that	DET
fsr-3355	194	13	44	44	NUM
fsr-3355	194	14	%	%	NOUN
fsr-3355	194	15	and	and	CCONJ
fsr-3355	194	16	47	47	NUM
fsr-3355	194	17	%	%	NOUN
fsr-3355	194	18	of	of	ADP
fsr-3355	194	19	these	these	DET
fsr-3355	194	20	groups	group	NOUN
fsr-3355	194	21	had	have	AUX
fsr-3355	194	22	attained	attain	VERB
fsr-3355	194	23	a	a	DET
fsr-3355	194	24	bachelor	bachelor	NOUN
fsr-3355	194	25	’s	’s	PART
fsr-3355	194	26	degree	degree	NOUN
fsr-3355	194	27	or	or	CCONJ
fsr-3355	194	28	higher	high	ADJ
fsr-3355	194	29	.	.	PUNCT
fsr-3355	195	1	about	about	ADV
fsr-3355	195	2	80	80	NUM
fsr-3355	195	3	%	%	NOUN
fsr-3355	195	4	of	of	ADP
fsr-3355	195	5	the	the	DET
fsr-3355	195	6	sample	sample	NOUN
fsr-3355	195	7	owned	own	VERB
fsr-3355	195	8	homes	home	NOUN
fsr-3355	195	9	,	,	PUNCT
fsr-3355	195	10	and	and	CCONJ
fsr-3355	195	11	about	about	ADV
fsr-3355	195	12	75	75	NUM
fsr-3355	195	13	%	%	NOUN
fsr-3355	195	14	were	be	AUX
fsr-3355	195	15	employed	employ	VERB
fsr-3355	195	16	.	.	PUNCT
fsr-3355	196	1	about	about	ADV
fsr-3355	196	2	78	78	NUM
fsr-3355	196	3	%	%	NOUN
fsr-3355	196	4	had	have	VERB
fsr-3355	196	5	access	access	NOUN
fsr-3355	196	6	to	to	ADP
fsr-3355	196	7	emergency	emergency	NOUN
fsr-3355	196	8	funds	fund	NOUN
fsr-3355	196	9	,	,	PUNCT
fsr-3355	196	10	with	with	ADP
fsr-3355	196	11	black	black	ADJ
fsr-3355	196	12	and	and	CCONJ
fsr-3355	196	13	hispanic	hispanic	ADJ
fsr-3355	196	14	respondents	respondent	NOUN
fsr-3355	196	15	having	have	VERB
fsr-3355	196	16	the	the	DET
fsr-3355	196	17	least	least	ADJ
fsr-3355	196	18	access	access	NOUN
fsr-3355	196	19	compared	compare	VERB
fsr-3355	196	20	to	to	ADP
fsr-3355	196	21	the	the	DET
fsr-3355	196	22	other	other	ADJ
fsr-3355	196	23	groups	group	NOUN
fsr-3355	196	24	.	.	PUNCT
fsr-3355	197	1	qing	qing	PROPN
fsr-3355	197	2	&	&	CCONJ
fsr-3355	197	3	reiter	reiter	PROPN
fsr-3355	197	4	35	35	NUM
fsr-3355	197	5	table	table	NOUN
fsr-3355	197	6	2	2	NUM
fsr-3355	197	7	.	.	PUNCT
fsr-3355	197	8	descriptive	descriptive	ADJ
fsr-3355	197	9	statistics	statistic	NOUN
fsr-3355	197	10	of	of	ADP
fsr-3355	197	11	respondents	respondent	NOUN
fsr-3355	197	12	using	use	VERB
fsr-3355	197	13	financial	financial	ADJ
fsr-3355	197	14	planners	planner	NOUN
fsr-3355	197	15	by	by	ADP
fsr-3355	197	16	race	race	NOUN
fsr-3355	197	17	/	/	SYM
fsr-3355	197	18	ethnicity	ethnicity	NOUN
fsr-3355	197	19	pooled	pool	VERB
fsr-3355	197	20	sample	sample	NOUN
fsr-3355	197	21	n=4,059	n=4,059	PROPN
fsr-3355	197	22	black	black	PROPN
fsr-3355	197	23	n=	n=	ADJ
fsr-3355	197	24	378	378	NUM
fsr-3355	197	25	hispanic	hispanic	NOUN
fsr-3355	197	26	n=221	n=221	PUNCT
fsr-3355	197	27	asian	asian	ADJ
fsr-3355	197	28	/	/	SYM
fsr-3355	197	29	other	other	ADJ
fsr-3355	197	30	n=200	n=200	PROPN
fsr-3355	197	31	white	white	PROPN
fsr-3355	197	32	n=	n=	ADJ
fsr-3355	197	33	3,260	3,260	NUM
fsr-3355	197	34	variables	variable	NOUN
fsr-3355	197	35	mean	mean	VERB
fsr-3355	197	36	s.d	s.d	PROPN
fsr-3355	197	37	.	.	PROPN
fsr-3355	197	38	mean	mean	PROPN
fsr-3355	197	39	s.d	s.d	PROPN
fsr-3355	197	40	.	.	PROPN
fsr-3355	197	41	mean	mean	PROPN
fsr-3355	197	42	s.d	s.d	PROPN
fsr-3355	197	43	.	.	PROPN
fsr-3355	197	44	mean	mean	PROPN
fsr-3355	197	45	s.d	s.d	PROPN
fsr-3355	198	1	.	.	PROPN
fsr-3355	198	2	mean	mean	PROPN
fsr-3355	198	3	s.d	s.d	PROPN
fsr-3355	198	4	.	.	PROPN
fsr-3355	198	5	race	race	PROPN
fsr-3355	198	6	/	/	SYM
fsr-3355	198	7	ethnicity	ethnicity	NOUN
fsr-3355	198	8	white	white	ADJ
fsr-3355	198	9	0.8031	0.8031	NUM
fsr-3355	198	10	0.3977	0.3977	NUM
fsr-3355	198	11	black	black	ADJ
fsr-3355	198	12	0.0931	0.0931	NUM
fsr-3355	198	13	0.2906	0.2906	NUM
fsr-3355	198	14	hispanic	hispanic	ADJ
fsr-3355	198	15	0.0544	0.0544	NUM
fsr-3355	198	16	0.2269	0.2269	NUM
fsr-3355	198	17	asian	asian	ADJ
fsr-3355	198	18	/	/	SYM
fsr-3355	198	19	other	other	ADJ
fsr-3355	198	20	0.0494	0.0494	NUM
fsr-3355	198	21	0.2167	0.2167	NUM
fsr-3355	198	22	female	female	ADJ
fsr-3355	198	23	0.4102	0.4102	NUM
fsr-3355	198	24	0.4919	0.4919	NUM
fsr-3355	198	25	0.5788	0.5788	NUM
fsr-3355	198	26	0.4944	0.4944	NUM
fsr-3355	198	27	0.4932	0.4932	NUM
fsr-3355	198	28	0.5011	0.5011	NUM
fsr-3355	198	29	0.3533	0.3533	NUM
fsr-3355	198	30	0.4792	0.4792	NUM
fsr-3355	198	31	0.3885	0.3885	NUM
fsr-3355	198	32	0.4875	0.4875	NUM
fsr-3355	198	33	age	age	NOUN
fsr-3355	198	34	54.9076	54.9076	NUM
fsr-3355	198	35	14.7980	14.7980	NUM
fsr-3355	198	36	49.6646	49.6646	NUM
fsr-3355	198	37	14.1296	14.1296	NUM
fsr-3355	198	38	45.3765	45.3765	NUM
fsr-3355	198	39	12.9053	12.9053	NUM
fsr-3355	198	40	49.9232	49.9232	NUM
fsr-3355	198	41	14.2646	14.2646	NUM
fsr-3355	198	42	56.4682	56.4682	NUM
fsr-3355	198	43	14.5806	14.5806	NUM
fsr-3355	198	44	married	marry	VERB
fsr-3355	198	45	0.6738	0.6738	NUM
fsr-3355	198	46	0.4689	0.4689	NUM
fsr-3355	198	47	0.4132	0.4132	NUM
fsr-3355	198	48	0.4931	0.4931	NUM
fsr-3355	198	49	0.5656	0.5656	NUM
fsr-3355	198	50	0.4968	0.4968	NUM
fsr-3355	198	51	0.6836	0.6836	NUM
fsr-3355	198	52	0.4662	0.4662	NUM
fsr-3355	198	53	0.7108	0.7108	NUM
fsr-3355	198	54	0.4535	0.4535	NUM
fsr-3355	198	55	income	income	NOUN
fsr-3355	198	56	less	less	ADJ
fsr-3355	198	57	than	than	ADP
fsr-3355	198	58	$	$	SYM
fsr-3355	198	59	50k	50k	NUM
fsr-3355	198	60	0.1954	0.1954	NUM
fsr-3355	198	61	0.3966	0.3966	NUM
fsr-3355	198	62	0.4434	0.4434	NUM
fsr-3355	198	63	0.4974	0.4974	NUM
fsr-3355	198	64	0.3339	0.3339	NUM
fsr-3355	198	65	0.4727	0.4727	NUM
fsr-3355	198	66	0.1916	0.1916	NUM
fsr-3355	198	67	0.3946	0.3946	NUM
fsr-3355	198	68	0.1575	0.1575	NUM
fsr-3355	198	69	0.3643	0.3643	NUM
fsr-3355	198	70	$	$	SYM
fsr-3355	198	71	50k-$99,999	50k-$99,999	NUM
fsr-3355	198	72	0.2069	0.2069	NUM
fsr-3355	198	73	0.4051	0.4051	NUM
fsr-3355	198	74	0.2741	0.2741	NUM
fsr-3355	198	75	0.4466	0.4466	NUM
fsr-3355	198	76	0.3050	0.3050	NUM
fsr-3355	198	77	0.4614	0.4614	NUM
fsr-3355	198	78	0.1786	0.1786	NUM
fsr-3355	198	79	0.3840	0.3840	NUM
fsr-3355	198	80	0.1942	0.1942	NUM
fsr-3355	198	81	0.3956	0.3956	NUM
fsr-3355	198	82	$	$	SYM
fsr-3355	198	83	100k	100k	NUM
fsr-3355	198	84	above	above	ADP
fsr-3355	198	85	0.5977	0.5977	NUM
fsr-3355	198	86	0.4904	0.4904	NUM
fsr-3355	198	87	0.2825	0.2825	NUM
fsr-3355	198	88	0.4508	0.4508	NUM
fsr-3355	198	89	0.3611	0.3611	NUM
fsr-3355	198	90	0.4814	0.4814	NUM
fsr-3355	198	91	0.6297	0.6297	NUM
fsr-3355	198	92	0.4841	0.4841	NUM
fsr-3355	198	93	0.6483	0.6483	NUM
fsr-3355	198	94	0.4776	0.4776	NUM
fsr-3355	198	95	net	net	ADJ
fsr-3355	198	96	worth	worth	NOUN
fsr-3355	198	97	(	(	PUNCT
fsr-3355	198	98	log	log	NOUN
fsr-3355	198	99	value	value	NOUN
fsr-3355	198	100	)	)	PUNCT
fsr-3355	198	101	12.8774	12.8774	NUM
fsr-3355	198	102	4.9852	4.9852	NUM
fsr-3355	198	103	8.5356	8.5356	NUM
fsr-3355	198	104	6.6113	6.6113	NUM
fsr-3355	198	105	10.0247	10.0247	NUM
fsr-3355	198	106	5.6837	5.6837	NUM
fsr-3355	198	107	12.6897	12.6897	NUM
fsr-3355	198	108	5.2382	5.2382	NUM
fsr-3355	198	109	13.5858	13.5858	NUM
fsr-3355	198	110	4.3346	4.3346	NUM
fsr-3355	198	111	risk	risk	NOUN
fsr-3355	198	112	tolerance	tolerance	NOUN
fsr-3355	198	113	no	no	DET
fsr-3355	198	114	risk	risk	NOUN
fsr-3355	198	115	0.1620	0.1620	NUM
fsr-3355	198	116	0.3685	0.3685	NUM
fsr-3355	198	117	0.2942	0.2942	NUM
fsr-3355	198	118	0.4563	0.4563	NUM
fsr-3355	198	119	0.2941	0.2941	NUM
fsr-3355	198	120	0.4567	0.4567	NUM
fsr-3355	198	121	0.1507	0.1507	NUM
fsr-3355	199	1	0.3587	0.3587	NUM
fsr-3355	199	2	0.1384	0.1384	NUM
fsr-3355	199	3	0.3454	0.3454	NUM
fsr-3355	199	4	average	average	ADJ
fsr-3355	199	5	risk	risk	NOUN
fsr-3355	199	6	0.4948	0.4948	NUM
fsr-3355	199	7	0.5000	0.5000	NUM
fsr-3355	199	8	0.4307	0.4307	NUM
fsr-3355	199	9	0.4958	0.4958	NUM
fsr-3355	199	10	0.3937	0.3937	NUM
fsr-3355	199	11	0.4897	0.4897	NUM
fsr-3355	199	12	0.4860	0.4860	NUM
fsr-3355	199	13	0.5011	0.5011	NUM
fsr-3355	199	14	0.5096	0.5096	NUM
fsr-3355	199	15	0.5000	0.5000	NUM
fsr-3355	199	16	above	above	ADP
fsr-3355	199	17	average	average	ADJ
fsr-3355	199	18	risk	risk	NOUN
fsr-3355	199	19	0.2898	0.2898	NUM
fsr-3355	199	20	0.4537	0.4537	NUM
fsr-3355	199	21	0.1931	0.1931	NUM
fsr-3355	199	22	0.3953	0.3953	NUM
fsr-3355	199	23	0.2262	0.2262	NUM
fsr-3355	199	24	0.4193	0.4193	NUM
fsr-3355	199	25	0.3134	0.3134	NUM
fsr-3355	199	26	0.4650	0.4650	NUM
fsr-3355	199	27	0.3038	0.3038	NUM
fsr-3355	199	28	0.4600	0.4600	NUM
fsr-3355	199	29	substantial	substantial	ADJ
fsr-3355	199	30	risk	risk	NOUN
fsr-3355	199	31	0.0535	0.0535	NUM
fsr-3355	199	32	0.2250	0.2250	NUM
fsr-3355	199	33	0.0820	0.0820	NUM
fsr-3355	199	34	0.2747	0.2747	NUM
fsr-3355	199	35	0.0860	0.0860	NUM
fsr-3355	199	36	0.2810	0.2810	NUM
fsr-3355	199	37	0.0499	0.0499	NUM
fsr-3355	199	38	0.2183	0.2183	NUM
fsr-3355	199	39	0.0482	0.0482	NUM
fsr-3355	199	40	0.2141	0.2141	NUM
fsr-3355	199	41	investment	investment	NOUN
fsr-3355	199	42	horizon	horizon	NOUN
fsr-3355	199	43	next	next	ADJ
fsr-3355	199	44	few	few	ADJ
fsr-3355	199	45	months	month	NOUN
fsr-3355	199	46	0.1101	0.1101	NUM
fsr-3355	199	47	0.3130	0.3130	NUM
fsr-3355	199	48	0.2196	0.2196	NUM
fsr-3355	199	49	0.4145	0.4145	NUM
fsr-3355	199	50	0.2380	0.2380	NUM
fsr-3355	199	51	0.4268	0.4268	NUM
fsr-3355	199	52	0.1277	0.1277	NUM
fsr-3355	199	53	0.3346	0.3346	NUM
fsr-3355	199	54	0.0876	0.0876	NUM
fsr-3355	199	55	0.2828	0.2828	NUM
fsr-3355	199	56	next	next	ADJ
fsr-3355	199	57	year	year	NOUN
fsr-3355	199	58	0.0929	0.0929	NUM
fsr-3355	200	1	0.2903	0.2903	NUM
fsr-3355	200	2	0.1492	0.1492	NUM
fsr-3355	200	3	0.3568	0.3568	NUM
fsr-3355	200	4	0.1457	0.1457	NUM
fsr-3355	200	5	0.3536	0.3536	NUM
fsr-3355	200	6	0.0998	0.0998	NUM
fsr-3355	200	7	0.3005	0.3005	NUM
fsr-3355	200	8	0.0823	0.0823	NUM
fsr-3355	200	9	0.2749	0.2749	NUM
fsr-3355	200	10	next	next	ADJ
fsr-3355	200	11	few	few	ADJ
fsr-3355	200	12	years	year	NOUN
fsr-3355	200	13	0.2513	0.2513	NUM
fsr-3355	200	14	0.4338	0.4338	NUM
fsr-3355	200	15	0.2783	0.2783	NUM
fsr-3355	200	16	0.4488	0.4488	NUM
fsr-3355	200	17	0.2344	0.2344	NUM
fsr-3355	200	18	0.4246	0.4246	NUM
fsr-3355	200	19	0.2605	0.2605	NUM
fsr-3355	200	20	0.4400	0.4400	NUM
fsr-3355	200	21	0.2488	0.2488	NUM
fsr-3355	200	22	0.4324	0.4324	NUM
fsr-3355	200	23	next	next	ADJ
fsr-3355	200	24	5	5	NUM
fsr-3355	200	25	-	-	SYM
fsr-3355	200	26	10	10	NUM
fsr-3355	200	27	years	year	NOUN
fsr-3355	200	28	0.3093	0.3093	NUM
fsr-3355	200	29	0.4623	0.4623	NUM
fsr-3355	200	30	0.2317	0.2317	NUM
fsr-3355	200	31	0.4225	0.4225	NUM
fsr-3355	201	1	0.2688	0.2688	NUM
fsr-3355	201	2	0.4443	0.4443	NUM
fsr-3355	201	3	0.2954	0.2954	NUM
fsr-3355	201	4	0.4574	0.4574	NUM
fsr-3355	201	5	0.3219	0.3219	NUM
fsr-3355	201	6	0.4673	0.4673	NUM
fsr-3355	201	7	longer	long	ADJ
fsr-3355	201	8	than	than	ADP
fsr-3355	201	9	10	10	NUM
fsr-3355	201	10	years	year	NOUN
fsr-3355	201	11	0.2364	0.2364	NUM
fsr-3355	201	12	0.4249	0.4249	NUM
fsr-3355	201	13	0.1212	0.1212	NUM
fsr-3355	201	14	0.3268	0.3268	NUM
fsr-3355	201	15	0.1131	0.1131	NUM
fsr-3355	201	16	0.3175	0.3175	NUM
fsr-3355	201	17	0.2166	0.2166	NUM
fsr-3355	201	18	0.4129	0.4129	NUM
fsr-3355	201	19	0.2593	0.2593	NUM
fsr-3355	201	20	0.4383	0.4383	NUM
fsr-3355	201	21	subjective	subjective	ADJ
fsr-3355	201	22	knowledge	knowledge	NOUN
fsr-3355	201	23	7.8257	7.8257	NUM
fsr-3355	201	24	1.7832	1.7832	NUM
fsr-3355	201	25	7.4884	7.4884	NUM
fsr-3355	201	26	1.9814	1.9814	NUM
fsr-3355	201	27	7.3955	7.3955	NUM
fsr-3355	201	28	2.0136	2.0136	NUM
fsr-3355	201	29	7.5798	7.5798	NUM
fsr-3355	201	30	1.9066	1.9066	NUM
fsr-3355	201	31	7.9091	7.9091	NUM
fsr-3355	201	32	1.7243	1.7243	NUM
fsr-3355	201	33	objective	objective	ADJ
fsr-3355	201	34	knowledge	knowledge	NOUN
fsr-3355	201	35	2.5424	2.5424	NUM
fsr-3355	201	36	0.7204	0.7204	NUM
fsr-3355	201	37	2.0466	2.0466	NUM
fsr-3355	201	38	0.8980	0.8980	NUM
fsr-3355	201	39	2.1520	2.1520	NUM
fsr-3355	201	40	0.8814	0.8814	NUM
fsr-3355	201	41	2.5788	2.5788	NUM
fsr-3355	201	42	0.6600	0.6600	NUM
fsr-3355	201	43	2.6241	2.6241	NUM
fsr-3355	201	44	0.6544	0.6544	NUM
fsr-3355	201	45	household	household	NOUN
fsr-3355	201	46	size	size	NOUN
fsr-3355	201	47	2.5599	2.5599	NUM
fsr-3355	201	48	1.3205	1.3205	NUM
fsr-3355	201	49	2.3799	2.3799	NUM
fsr-3355	201	50	1.3330	1.3330	NUM
fsr-3355	201	51	3.1548	3.1548	NUM
fsr-3355	201	52	1.5813	1.5813	NUM
fsr-3355	201	53	2.9371	2.9371	NUM
fsr-3355	201	54	1.5826	1.5826	NUM
fsr-3355	201	55	2.5172	2.5172	NUM
fsr-3355	201	56	1.2670	1.2670	NUM
fsr-3355	201	57	educational	educational	ADJ
fsr-3355	201	58	attainment	attainment	NOUN
fsr-3355	201	59	less	less	ADJ
fsr-3355	201	60	than	than	ADP
fsr-3355	201	61	high	high	ADJ
fsr-3355	201	62	school	school	NOUN
fsr-3355	201	63	0.0184	0.0184	NUM
fsr-3355	201	64	0.1345	0.1345	NUM
fsr-3355	201	65	0.0667	0.0667	NUM
fsr-3355	201	66	0.2498	0.2498	NUM
fsr-3355	201	67	0.0814	0.0814	NUM
fsr-3355	201	68	0.2741	0.2741	NUM
fsr-3355	201	69	0.0120	0.0120	NUM
fsr-3355	201	70	0.1091	0.1091	NUM
fsr-3355	201	71	0.0090	0.0090	NUM
fsr-3355	201	72	0.0942	0.0942	NUM
fsr-3355	201	73	high	high	ADJ
fsr-3355	201	74	school	school	NOUN
fsr-3355	201	75	0.1021	0.1021	NUM
fsr-3355	201	76	0.3029	0.3029	NUM
fsr-3355	201	77	0.1497	0.1497	NUM
fsr-3355	201	78	0.3573	0.3573	NUM
fsr-3355	201	79	0.1864	0.1864	NUM
fsr-3355	201	80	0.3903	0.3903	NUM
fsr-3355	201	81	0.0539	0.0539	NUM
fsr-3355	201	82	0.2264	0.2264	NUM
fsr-3355	201	83	0.0939	0.0939	NUM
fsr-3355	201	84	0.2917	0.2917	NUM
fsr-3355	201	85	financial	financial	ADJ
fsr-3355	201	86	services	service	NOUN
fsr-3355	201	87	review	review	NOUN
fsr-3355	201	88	,	,	PUNCT
fsr-3355	201	89	32(4	32(4	NUM
fsr-3355	201	90	)	)	PUNCT
fsr-3355	201	91	36	36	NUM
fsr-3355	202	1	some	some	DET
fsr-3355	202	2	college	college	NOUN
fsr-3355	202	3	0.1970	0.1970	NUM
fsr-3355	202	4	0.3978	0.3978	NUM
fsr-3355	202	5	0.3127	0.3127	NUM
fsr-3355	202	6	0.4642	0.4642	NUM
fsr-3355	203	1	0.2896	0.2896	NUM
fsr-3355	203	2	0.4546	0.4546	NUM
fsr-3355	203	3	0.1667	0.1667	NUM
fsr-3355	203	4	0.3736	0.3736	NUM
fsr-3355	203	5	0.1792	0.1792	NUM
fsr-3355	203	6	0.3835	0.3835	NUM
fsr-3355	203	7	bachelor	bachelor	NOUN
fsr-3355	203	8	0.2996	0.2996	NUM
fsr-3355	203	9	0.4581	0.4581	NUM
fsr-3355	203	10	0.2429	0.2429	NUM
fsr-3355	203	11	0.4294	0.4294	NUM
fsr-3355	203	12	0.2489	0.2489	NUM
fsr-3355	203	13	0.4333	0.4333	NUM
fsr-3355	203	14	0.2345	0.2345	NUM
fsr-3355	203	15	0.4248	0.4248	NUM
fsr-3355	203	16	0.3136	0.3136	NUM
fsr-3355	203	17	0.4640	0.4640	NUM
fsr-3355	203	18	graduate	graduate	NOUN
fsr-3355	203	19	0.3828	0.3828	NUM
fsr-3355	203	20	0.4861	0.4861	NUM
fsr-3355	203	21	0.2280	0.2280	NUM
fsr-3355	203	22	0.4201	0.4201	NUM
fsr-3355	203	23	0.1937	0.1937	NUM
fsr-3355	203	24	0.3961	0.3961	NUM
fsr-3355	203	25	0.5329	0.5329	NUM
fsr-3355	203	26	0.5002	0.5002	NUM
fsr-3355	203	27	0.4044	0.4044	NUM
fsr-3355	203	28	0.4908	0.4908	NUM
fsr-3355	203	29	homeownership	homeownership	NOUN
fsr-3355	203	30	0.8087	0.8087	NUM
fsr-3355	203	31	0.3934	0.3934	NUM
fsr-3355	203	32	0.5397	0.5397	NUM
fsr-3355	203	33	0.4991	0.4991	NUM
fsr-3355	203	34	0.6054	0.6054	NUM
fsr-3355	203	35	0.4899	0.4899	NUM
fsr-3355	203	36	0.7595	0.7595	NUM
fsr-3355	203	37	0.4285	0.4285	NUM
fsr-3355	203	38	0.8567	0.8567	NUM
fsr-3355	203	39	0.3505	0.3505	NUM
fsr-3355	203	40	employment	employment	NOUN
fsr-3355	203	41	unemployed	unemploye	VERB
fsr-3355	203	42	0.0251	0.0251	NUM
fsr-3355	203	43	0.1565	0.1565	NUM
fsr-3355	203	44	0.0556	0.0556	NUM
fsr-3355	203	45	0.2294	0.2294	NUM
fsr-3355	203	46	0.0181	0.0181	NUM
fsr-3355	203	47	0.1336	0.1336	NUM
fsr-3355	203	48	0.0549	0.0549	NUM
fsr-3355	203	49	0.2283	0.2283	NUM
fsr-3355	203	50	0.0202	0.0202	NUM
fsr-3355	203	51	0.1409	0.1409	NUM
fsr-3355	203	52	employee	employee	NOUN
fsr-3355	203	53	0.4716	0.4716	NUM
fsr-3355	203	54	0.4993	0.4993	NUM
fsr-3355	203	55	0.5799	0.5799	NUM
fsr-3355	203	56	0.4942	0.4942	NUM
fsr-3355	203	57	0.6561	0.6561	NUM
fsr-3355	203	58	0.4761	0.4761	NUM
fsr-3355	203	59	0.5160	0.5160	NUM
fsr-3355	203	60	0.5010	0.5010	NUM
fsr-3355	203	61	0.4438	0.4438	NUM
fsr-3355	203	62	0.4969	0.4969	NUM
fsr-3355	203	63	self	self	NOUN
fsr-3355	203	64	-	-	PUNCT
fsr-3355	203	65	employed	employ	VERB
fsr-3355	203	66	0.2768	0.2768	NUM
fsr-3355	203	67	0.4474	0.4474	NUM
fsr-3355	203	68	0.1413	0.1413	NUM
fsr-3355	203	69	0.3488	0.3488	NUM
fsr-3355	204	1	0.1810	0.1810	NUM
fsr-3355	204	2	0.3859	0.3859	NUM
fsr-3355	204	3	0.2854	0.2854	NUM
fsr-3355	204	4	0.4527	0.4527	NUM
fsr-3355	204	5	0.2984	0.2984	NUM
fsr-3355	204	6	0.4576	0.4576	NUM
fsr-3355	204	7	retired	retire	VERB
fsr-3355	204	8	0.2265	0.2265	NUM
fsr-3355	204	9	0.4186	0.4186	NUM
fsr-3355	204	10	0.2233	0.2233	NUM
fsr-3355	204	11	0.4170	0.4170	NUM
fsr-3355	204	12	0.1448	0.1448	NUM
fsr-3355	204	13	0.3527	0.3527	NUM
fsr-3355	204	14	0.1437	0.1437	NUM
fsr-3355	204	15	0.3517	0.3517	NUM
fsr-3355	204	16	0.2376	0.2376	NUM
fsr-3355	204	17	0.4257	0.4257	NUM
fsr-3355	204	18	access	access	NOUN
fsr-3355	204	19	to	to	ADP
fsr-3355	204	20	emergency	emergency	NOUN
fsr-3355	204	21	funds	fund	NOUN
fsr-3355	204	22	0.7775	0.7775	NUM
fsr-3355	204	23	0.4160	0.4160	NUM
fsr-3355	204	24	0.5624	0.5624	NUM
fsr-3355	204	25	0.4967	0.4967	NUM
fsr-3355	204	26	0.6389	0.6389	NUM
fsr-3355	204	27	0.4814	0.4814	NUM
fsr-3355	204	28	0.7754	0.7754	NUM
fsr-3355	204	29	0.4183	0.4183	NUM
fsr-3355	204	30	0.8120	0.8120	NUM
fsr-3355	204	31	0.3908	0.3908	NUM
fsr-3355	204	32	note	note	NOUN
fsr-3355	204	33	:	:	PUNCT
fsr-3355	204	34	weighted	weight	VERB
fsr-3355	204	35	;	;	PUNCT
fsr-3355	204	36	2016	2016	NUM
fsr-3355	204	37	and	and	CCONJ
fsr-3355	204	38	2019	2019	NUM
fsr-3355	204	39	survey	survey	NOUN
fsr-3355	204	40	of	of	ADP
fsr-3355	204	41	consumer	consumer	NOUN
fsr-3355	204	42	finances	finance	NOUN
fsr-3355	204	43	logistic	logistic	ADJ
fsr-3355	204	44	regression	regression	NOUN
fsr-3355	204	45	analyses	analyse	VERB
fsr-3355	204	46	table	table	NOUN
fsr-3355	204	47	3	3	NUM
fsr-3355	204	48	shows	show	VERB
fsr-3355	204	49	the	the	DET
fsr-3355	204	50	results	result	NOUN
fsr-3355	204	51	of	of	ADP
fsr-3355	204	52	five	five	NUM
fsr-3355	204	53	logistic	logistic	ADJ
fsr-3355	204	54	regression	regression	NOUN
fsr-3355	204	55	models	model	NOUN
fsr-3355	204	56	.	.	PUNCT
fsr-3355	205	1	the	the	DET
fsr-3355	205	2	first	first	ADJ
fsr-3355	205	3	model	model	NOUN
fsr-3355	205	4	represents	represent	VERB
fsr-3355	205	5	a	a	DET
fsr-3355	205	6	binomial	binomial	ADJ
fsr-3355	205	7	regression	regression	NOUN
fsr-3355	205	8	for	for	ADP
fsr-3355	205	9	the	the	DET
fsr-3355	205	10	pooled	pooled	ADJ
fsr-3355	205	11	sample	sample	NOUN
fsr-3355	205	12	,	,	PUNCT
fsr-3355	205	13	including	include	VERB
fsr-3355	205	14	all	all	DET
fsr-3355	205	15	racial	racial	ADJ
fsr-3355	205	16	/	/	SYM
fsr-3355	205	17	ethnic	ethnic	ADJ
fsr-3355	205	18	groups	group	NOUN
fsr-3355	205	19	,	,	PUNCT
fsr-3355	205	20	with	with	ADP
fsr-3355	205	21	the	the	DET
fsr-3355	205	22	black	black	ADJ
fsr-3355	205	23	respondent	respondent	NOUN
fsr-3355	205	24	category	category	NOUN
fsr-3355	205	25	as	as	ADP
fsr-3355	205	26	the	the	DET
fsr-3355	205	27	reference	reference	NOUN
fsr-3355	205	28	group	group	NOUN
fsr-3355	205	29	.	.	PUNCT
fsr-3355	206	1	we	we	PRON
fsr-3355	206	2	also	also	ADV
fsr-3355	206	3	ran	run	VERB
fsr-3355	206	4	a	a	DET
fsr-3355	206	5	binomial	binomial	ADJ
fsr-3355	206	6	regression	regression	NOUN
fsr-3355	206	7	for	for	ADP
fsr-3355	206	8	the	the	DET
fsr-3355	206	9	pooled	pooled	ADJ
fsr-3355	206	10	sample	sample	NOUN
fsr-3355	206	11	with	with	ADP
fsr-3355	206	12	white	white	ADJ
fsr-3355	206	13	as	as	ADP
fsr-3355	206	14	the	the	DET
fsr-3355	206	15	reference	reference	NOUN
fsr-3355	206	16	group	group	NOUN
fsr-3355	206	17	(	(	PUNCT
fsr-3355	206	18	see	see	VERB
fsr-3355	206	19	appendix	appendix	NOUN
fsr-3355	206	20	)	)	PUNCT
fsr-3355	206	21	.	.	PUNCT
fsr-3355	207	1	the	the	DET
fsr-3355	207	2	other	other	ADJ
fsr-3355	207	3	four	four	NUM
fsr-3355	207	4	regression	regression	NOUN
fsr-3355	207	5	models	model	NOUN
fsr-3355	207	6	represent	represent	VERB
fsr-3355	207	7	the	the	DET
fsr-3355	207	8	findings	finding	NOUN
fsr-3355	207	9	related	relate	VERB
fsr-3355	207	10	to	to	ADP
fsr-3355	207	11	the	the	DET
fsr-3355	207	12	factors	factor	NOUN
fsr-3355	207	13	significant	significant	ADJ
fsr-3355	207	14	for	for	ADP
fsr-3355	207	15	financial	financial	ADJ
fsr-3355	207	16	planner	planner	NOUN
fsr-3355	207	17	use	use	NOUN
fsr-3355	207	18	when	when	SCONJ
fsr-3355	207	19	making	make	VERB
fsr-3355	207	20	decisions	decision	NOUN
fsr-3355	207	21	about	about	ADP
fsr-3355	207	22	saving	saving	NOUN
fsr-3355	207	23	and	and	CCONJ
fsr-3355	207	24	investments	investment	NOUN
fsr-3355	207	25	within	within	ADP
fsr-3355	207	26	the	the	DET
fsr-3355	207	27	black	black	ADJ
fsr-3355	207	28	,	,	PUNCT
fsr-3355	207	29	hispanic	hispanic	ADJ
fsr-3355	207	30	,	,	PUNCT
fsr-3355	207	31	asian	asian	ADJ
fsr-3355	207	32	/	/	SYM
fsr-3355	207	33	other	other	ADJ
fsr-3355	207	34	,	,	PUNCT
fsr-3355	207	35	and	and	CCONJ
fsr-3355	207	36	white	white	ADJ
fsr-3355	207	37	groups	group	NOUN
fsr-3355	207	38	.	.	PUNCT
fsr-3355	208	1	in	in	ADP
fsr-3355	208	2	the	the	DET
fsr-3355	208	3	pooled	pooled	ADJ
fsr-3355	208	4	sample	sample	NOUN
fsr-3355	208	5	,	,	PUNCT
fsr-3355	208	6	hispanic	hispanic	ADJ
fsr-3355	208	7	and	and	CCONJ
fsr-3355	208	8	asian	asian	ADJ
fsr-3355	208	9	/	/	SYM
fsr-3355	208	10	other	other	ADJ
fsr-3355	208	11	respondents	respondent	NOUN
fsr-3355	208	12	were	be	AUX
fsr-3355	208	13	significantly	significantly	ADV
fsr-3355	208	14	less	less	ADV
fsr-3355	208	15	likely	likely	ADJ
fsr-3355	208	16	to	to	PART
fsr-3355	208	17	work	work	VERB
fsr-3355	208	18	with	with	ADP
fsr-3355	208	19	a	a	DET
fsr-3355	208	20	financial	financial	ADJ
fsr-3355	208	21	planner	planner	NOUN
fsr-3355	208	22	when	when	SCONJ
fsr-3355	208	23	making	make	VERB
fsr-3355	208	24	decisions	decision	NOUN
fsr-3355	208	25	about	about	ADP
fsr-3355	208	26	saving	saving	NOUN
fsr-3355	208	27	and	and	CCONJ
fsr-3355	208	28	investments	investment	NOUN
fsr-3355	208	29	than	than	ADP
fsr-3355	208	30	black	black	ADJ
fsr-3355	208	31	respondents	respondent	NOUN
fsr-3355	208	32	.	.	PUNCT
fsr-3355	209	1	no	no	DET
fsr-3355	209	2	significant	significant	ADJ
fsr-3355	209	3	difference	difference	NOUN
fsr-3355	209	4	was	be	AUX
fsr-3355	209	5	found	find	VERB
fsr-3355	209	6	when	when	SCONJ
fsr-3355	209	7	comparing	compare	VERB
fsr-3355	209	8	black	black	ADJ
fsr-3355	209	9	consumers	consumer	NOUN
fsr-3355	209	10	to	to	ADP
fsr-3355	209	11	white	white	ADJ
fsr-3355	209	12	consumers	consumer	NOUN
fsr-3355	209	13	.	.	PUNCT
fsr-3355	210	1	gender	gender	NOUN
fsr-3355	210	2	,	,	PUNCT
fsr-3355	210	3	age	age	NOUN
fsr-3355	210	4	,	,	PUNCT
fsr-3355	210	5	income	income	NOUN
fsr-3355	210	6	,	,	PUNCT
fsr-3355	210	7	net	net	ADJ
fsr-3355	210	8	worth	worth	NOUN
fsr-3355	210	9	,	,	PUNCT
fsr-3355	210	10	risk	risk	NOUN
fsr-3355	210	11	tolerance	tolerance	NOUN
fsr-3355	210	12	,	,	PUNCT
fsr-3355	210	13	investment	investment	NOUN
fsr-3355	210	14	horizon	horizon	NOUN
fsr-3355	210	15	,	,	PUNCT
fsr-3355	210	16	financial	financial	ADJ
fsr-3355	210	17	knowledge	knowledge	NOUN
fsr-3355	210	18	,	,	PUNCT
fsr-3355	210	19	educational	educational	ADJ
fsr-3355	210	20	attainment	attainment	NOUN
fsr-3355	210	21	,	,	PUNCT
fsr-3355	210	22	homeownership	homeownership	NOUN
fsr-3355	210	23	,	,	PUNCT
fsr-3355	210	24	and	and	CCONJ
fsr-3355	210	25	access	access	NOUN
fsr-3355	210	26	to	to	ADP
fsr-3355	210	27	emergency	emergency	NOUN
fsr-3355	210	28	funds	fund	NOUN
fsr-3355	210	29	were	be	AUX
fsr-3355	210	30	all	all	PRON
fsr-3355	210	31	positively	positively	ADV
fsr-3355	210	32	associated	associate	VERB
fsr-3355	210	33	with	with	ADP
fsr-3355	210	34	seeking	seek	VERB
fsr-3355	210	35	financial	financial	ADJ
fsr-3355	210	36	advice	advice	NOUN
fsr-3355	210	37	.	.	PUNCT
fsr-3355	211	1	the	the	DET
fsr-3355	211	2	authors	author	NOUN
fsr-3355	211	3	conducted	conduct	VERB
fsr-3355	211	4	a	a	DET
fsr-3355	211	5	joint	joint	ADJ
fsr-3355	211	6	hypothesis	hypothesis	NOUN
fsr-3355	211	7	test	test	NOUN
fsr-3355	211	8	and	and	CCONJ
fsr-3355	211	9	likelihood	likelihood	NOUN
fsr-3355	211	10	ratio	ratio	NOUN
fsr-3355	211	11	test	test	NOUN
fsr-3355	211	12	(	(	PUNCT
fsr-3355	211	13	lrt	lrt	PROPN
fsr-3355	211	14	)	)	PUNCT
fsr-3355	211	15	to	to	PART
fsr-3355	211	16	test	test	VERB
fsr-3355	211	17	the	the	DET
fsr-3355	211	18	nonlinear	nonlinear	ADJ
fsr-3355	211	19	effect	effect	NOUN
fsr-3355	211	20	of	of	ADP
fsr-3355	211	21	age	age	NOUN
fsr-3355	211	22	.	.	PUNCT
fsr-3355	212	1	the	the	DET
fsr-3355	212	2	coefficient	coefficient	NOUN
fsr-3355	212	3	of	of	ADP
fsr-3355	212	4	the	the	DET
fsr-3355	212	5	squared	square	VERB
fsr-3355	212	6	term	term	NOUN
fsr-3355	212	7	is	be	AUX
fsr-3355	212	8	significant	significant	ADJ
fsr-3355	212	9	and	and	CCONJ
fsr-3355	212	10	indicates	indicate	VERB
fsr-3355	212	11	that	that	SCONJ
fsr-3355	212	12	there	there	PRON
fsr-3355	212	13	is	be	VERB
fsr-3355	212	14	evidence	evidence	NOUN
fsr-3355	212	15	to	to	PART
fsr-3355	212	16	suggest	suggest	VERB
fsr-3355	212	17	a	a	DET
fsr-3355	212	18	nonlinear	nonlinear	ADJ
fsr-3355	212	19	association	association	NOUN
fsr-3355	212	20	.	.	PUNCT
fsr-3355	213	1	also	also	ADV
fsr-3355	213	2	,	,	PUNCT
fsr-3355	213	3	when	when	SCONJ
fsr-3355	213	4	comparing	compare	VERB
fsr-3355	213	5	the	the	DET
fsr-3355	213	6	full	full	ADJ
fsr-3355	213	7	model	model	NOUN
fsr-3355	213	8	(	(	PUNCT
fsr-3355	213	9	age	age	NOUN
fsr-3355	213	10	-	-	PUNCT
fsr-3355	213	11	squared	square	VERB
fsr-3355	213	12	included	include	VERB
fsr-3355	213	13	)	)	PUNCT
fsr-3355	213	14	and	and	CCONJ
fsr-3355	213	15	nested	nested	ADJ
fsr-3355	213	16	model	model	NOUN
fsr-3355	213	17	(	(	PUNCT
fsr-3355	213	18	agesquared	agesquare	VERB
fsr-3355	213	19	excluded	exclude	VERB
fsr-3355	213	20	)	)	PUNCT
fsr-3355	213	21	,	,	PUNCT
fsr-3355	213	22	the	the	DET
fsr-3355	213	23	result	result	NOUN
fsr-3355	213	24	of	of	ADP
fsr-3355	213	25	the	the	DET
fsr-3355	213	26	likelihood	likelihood	NOUN
fsr-3355	213	27	ratio	ratio	NOUN
fsr-3355	213	28	test	test	NOUN
fsr-3355	213	29	was	be	AUX
fsr-3355	213	30	statistically	statistically	ADV
fsr-3355	213	31	significant	significant	ADJ
fsr-3355	213	32	(	(	PUNCT
fsr-3355	213	33	p	p	NOUN
fsr-3355	213	34	=	=	NOUN
fsr-3355	213	35	0.0000	0.0000	NUM
fsr-3355	213	36	)	)	PUNCT
fsr-3355	213	37	,	,	PUNCT
fsr-3355	213	38	indicating	indicate	VERB
fsr-3355	213	39	that	that	SCONJ
fsr-3355	213	40	age	age	NOUN
fsr-3355	213	41	-	-	PUNCT
fsr-3355	213	42	squared	square	VERB
fsr-3355	213	43	is	be	AUX
fsr-3355	213	44	an	an	DET
fsr-3355	213	45	important	important	ADJ
fsr-3355	213	46	predictor	predictor	NOUN
fsr-3355	213	47	when	when	SCONJ
fsr-3355	213	48	determining	determine	VERB
fsr-3355	213	49	adviceseeking	adviceseeke	VERB
fsr-3355	213	50	behavior	behavior	NOUN
fsr-3355	213	51	.	.	PUNCT
fsr-3355	214	1	qing	qing	PROPN
fsr-3355	214	2	&	&	CCONJ
fsr-3355	214	3	reiter	reiter	PROPN
fsr-3355	214	4	37	37	NUM
fsr-3355	214	5	table	table	NOUN
fsr-3355	214	6	3	3	NUM
fsr-3355	214	7	.	.	PUNCT
fsr-3355	214	8	binomial	binomial	ADJ
fsr-3355	214	9	logistic	logistic	ADJ
fsr-3355	214	10	regressions	regression	NOUN
fsr-3355	214	11	of	of	ADP
fsr-3355	214	12	financial	financial	ADJ
fsr-3355	214	13	planner	planner	NOUN
fsr-3355	214	14	use	use	NOUN
fsr-3355	214	15	pooled	pool	VERB
fsr-3355	214	16	sample	sample	NOUN
fsr-3355	214	17	black	black	ADJ
fsr-3355	214	18	hispanic	hispanic	ADJ
fsr-3355	214	19	asian	asian	ADJ
fsr-3355	214	20	/	/	SYM
fsr-3355	214	21	other	other	ADJ
fsr-3355	214	22	white	white	PROPN
fsr-3355	214	23	variables	variable	NOUN
fsr-3355	214	24	coef	coef	PROPN
fsr-3355	214	25	.	.	PUNCT
fsr-3355	215	1	s.e	s.e	PROPN
fsr-3355	215	2	.	.	PROPN
fsr-3355	215	3	coef	coef	PROPN
fsr-3355	215	4	.	.	PUNCT
fsr-3355	216	1	s.e	s.e	PROPN
fsr-3355	216	2	.	.	PROPN
fsr-3355	216	3	coef	coef	PROPN
fsr-3355	216	4	.	.	PUNCT
fsr-3355	217	1	s.e	s.e	PROPN
fsr-3355	217	2	.	.	PROPN
fsr-3355	217	3	coef	coef	PROPN
fsr-3355	217	4	.	.	PUNCT
fsr-3355	218	1	s.e	s.e	PROPN
fsr-3355	218	2	.	.	PROPN
fsr-3355	218	3	coef	coef	PROPN
fsr-3355	218	4	.	.	PUNCT
fsr-3355	219	1	s.e	s.e	PROPN
fsr-3355	219	2	.	.	PROPN
fsr-3355	219	3	race/	race/	NUM
fsr-3355	219	4	ethnicity	ethnicity	NOUN
fsr-3355	219	5	(	(	PUNCT
fsr-3355	219	6	ref.=	ref.=	NOUN
fsr-3355	219	7	black	black	ADJ
fsr-3355	219	8	)	)	PUNCT
fsr-3355	219	9	white	white	NOUN
fsr-3355	219	10	-0.0435	-0.0435	NOUN
fsr-3355	219	11	0.0588	0.0588	NUM
fsr-3355	219	12	hispanic	hispanic	ADJ
fsr-3355	219	13	-0.1897	-0.1897	NOUN
fsr-3355	219	14	*	*	PUNCT
fsr-3355	220	1	*	*	PUNCT
fsr-3355	220	2	0.0708	0.0708	NUM
fsr-3355	220	3	asian	asian	ADJ
fsr-3355	220	4	/	/	SYM
fsr-3355	220	5	other	other	ADJ
fsr-3355	220	6	-0.2794	-0.2794	NOUN
fsr-3355	220	7	*	*	PUNCT
fsr-3355	220	8	*	*	PUNCT
fsr-3355	220	9	0.1011	0.1011	NUM
fsr-3355	220	10	female	female	ADJ
fsr-3355	220	11	(	(	PUNCT
fsr-3355	220	12	ref.=	ref.=	NOUN
fsr-3355	220	13	male	male	NOUN
fsr-3355	220	14	)	)	PUNCT
fsr-3355	221	1	0.3284	0.3284	NUM
fsr-3355	221	2	*	*	PUNCT
fsr-3355	222	1	*	*	PUNCT
fsr-3355	222	2	*	*	PUNCT
fsr-3355	223	1	0.0324	0.0324	NUM
fsr-3355	223	2	0.2601	0.2601	NUM
fsr-3355	223	3	*	*	SYM
fsr-3355	223	4	*	*	NOUN
fsr-3355	223	5	0.0977	0.0977	NUM
fsr-3355	223	6	0.0738	0.0738	NUM
fsr-3355	224	1	0.1126	0.1126	NUM
fsr-3355	224	2	0.1776	0.1776	NUM
fsr-3355	224	3	0.1749	0.1749	NUM
fsr-3355	224	4	0.3784	0.3784	NUM
fsr-3355	224	5	*	*	PUNCT
fsr-3355	224	6	*	*	PUNCT
fsr-3355	224	7	*	*	PUNCT
fsr-3355	224	8	0.0538	0.0538	NUM
fsr-3355	224	9	age	age	NOUN
fsr-3355	224	10	0.0343	0.0343	NUM
fsr-3355	224	11	*	*	PUNCT
fsr-3355	224	12	*	*	PUNCT
fsr-3355	224	13	*	*	X
fsr-3355	225	1	0.0072	0.0072	NUM
fsr-3355	225	2	0.0795	0.0795	NUM
fsr-3355	225	3	*	*	PUNCT
fsr-3355	225	4	*	*	PUNCT
fsr-3355	225	5	*	*	PUNCT
fsr-3355	225	6	0.0188	0.0188	NUM
fsr-3355	225	7	0.0673	0.0673	NUM
fsr-3355	225	8	*	*	PUNCT
fsr-3355	225	9	0.0312	0.0312	NUM
fsr-3355	225	10	0.0308	0.0308	NUM
fsr-3355	225	11	0.0337	0.0337	NUM
fsr-3355	225	12	0.0292	0.0292	NUM
fsr-3355	225	13	*	*	PUNCT
fsr-3355	225	14	*	*	PUNCT
fsr-3355	225	15	0.0099	0.0099	NUM
fsr-3355	225	16	age	age	NOUN
fsr-3355	225	17	squared	square	VERB
fsr-3355	225	18	0.0003	0.0003	NUM
fsr-3355	225	19	*	*	NOUN
fsr-3355	225	20	*	*	PUNCT
fsr-3355	225	21	*	*	PUNCT
fsr-3355	225	22	0.0001	0.0001	NUM
fsr-3355	225	23	0.0007	0.0007	NUM
fsr-3355	225	24	*	*	PUNCT
fsr-3355	225	25	*	*	PUNCT
fsr-3355	225	26	*	*	PUNCT
fsr-3355	225	27	0.0001	0.0001	NUM
fsr-3355	225	28	-0.0008	-0.0008	NOUN
fsr-3355	225	29	*	*	SYM
fsr-3355	225	30	0.0003	0.0003	NUM
fsr-3355	225	31	-0.0002	-0.0002	NOUN
fsr-3355	225	32	0.0003	0.0003	NUM
fsr-3355	225	33	-0.0002	-0.0002	NOUN
fsr-3355	225	34	*	*	PUNCT
fsr-3355	225	35	*	*	PUNCT
fsr-3355	225	36	0.0001	0.0001	NUM
fsr-3355	225	37	married	married	ADJ
fsr-3355	225	38	(	(	PUNCT
fsr-3355	225	39	ref.=	ref.=	NOUN
fsr-3355	225	40	not	not	PART
fsr-3355	225	41	married	married	ADJ
fsr-3355	225	42	)	)	PUNCT
fsr-3355	225	43	-0.0706	-0.0706	PUNCT
fsr-3355	226	1	0.0472	0.0472	NUM
fsr-3355	226	2	0.1885	0.1885	NUM
fsr-3355	226	3	0.0976	0.0976	NUM
fsr-3355	226	4	-0.3143	-0.3143	PROPN
fsr-3355	226	5	*	*	PROPN
fsr-3355	226	6	0.1520	0.1520	NUM
fsr-3355	226	7	-0.5766	-0.5766	X
fsr-3355	226	8	*	*	NUM
fsr-3355	226	9	0.1891	0.1891	NUM
fsr-3355	226	10	-0.0427	-0.0427	NOUN
fsr-3355	226	11	0.0600	0.0600	NUM
fsr-3355	226	12	income	income	NOUN
fsr-3355	226	13	(	(	PUNCT
fsr-3355	226	14	ref.=	ref.=	NOUN
fsr-3355	226	15	less	less	ADJ
fsr-3355	226	16	than	than	ADP
fsr-3355	226	17	$	$	SYM
fsr-3355	226	18	50k	50k	NUM
fsr-3355	226	19	)	)	PUNCT
fsr-3355	227	1	$	$	SYM
fsr-3355	227	2	50k-$99,999	50k-$99,999	NUM
fsr-3355	227	3	0.2189	0.2189	NUM
fsr-3355	227	4	*	*	PUNCT
fsr-3355	227	5	*	*	PUNCT
fsr-3355	227	6	*	*	PUNCT
fsr-3355	227	7	0.0487	0.0487	NUM
fsr-3355	227	8	0.1173	0.1173	NUM
fsr-3355	227	9	0.1244	0.1244	NUM
fsr-3355	227	10	0.3837	0.3837	NUM
fsr-3355	227	11	*	*	PUNCT
fsr-3355	228	1	0.1831	0.1831	NUM
fsr-3355	228	2	0.1271	0.1271	NUM
fsr-3355	228	3	0.2409	0.2409	NUM
fsr-3355	228	4	0.2003	0.2003	NUM
fsr-3355	228	5	*	*	PUNCT
fsr-3355	228	6	*	*	PUNCT
fsr-3355	228	7	0.0667	0.0667	NUM
fsr-3355	228	8	$	$	SYM
fsr-3355	228	9	100k	100k	NUM
fsr-3355	228	10	and	and	CCONJ
fsr-3355	228	11	above	above	ADP
fsr-3355	228	12	0.5294	0.5294	NUM
fsr-3355	228	13	*	*	PUNCT
fsr-3355	228	14	*	*	PUNCT
fsr-3355	228	15	*	*	PUNCT
fsr-3355	228	16	0.0506	0.0506	NUM
fsr-3355	228	17	0.4951	0.4951	NUM
fsr-3355	228	18	*	*	PUNCT
fsr-3355	228	19	*	*	PUNCT
fsr-3355	228	20	0.1801	0.1801	NUM
fsr-3355	228	21	0.6671	0.6671	NUM
fsr-3355	228	22	*	*	PUNCT
fsr-3355	228	23	*	*	PUNCT
fsr-3355	228	24	0.2116	0.2116	NUM
fsr-3355	228	25	0.4884	0.4884	NUM
fsr-3355	228	26	0.2949	0.2949	NUM
fsr-3355	228	27	0.4893	0.4893	NUM
fsr-3355	228	28	*	*	PUNCT
fsr-3355	228	29	*	*	PUNCT
fsr-3355	228	30	*	*	PUNCT
fsr-3355	228	31	0.0687	0.0687	NUM
fsr-3355	228	32	net	net	NOUN
fsr-3355	228	33	worth	worth	ADJ
fsr-3355	228	34	0.0225	0.0225	NUM
fsr-3355	228	35	*	*	PUNCT
fsr-3355	228	36	*	*	PUNCT
fsr-3355	228	37	*	*	PUNCT
fsr-3355	228	38	0.0052	0.0052	NUM
fsr-3355	228	39	0.0001	0.0001	NUM
fsr-3355	228	40	0.0087	0.0087	NUM
fsr-3355	228	41	0.0070	0.0070	NUM
fsr-3355	228	42	0.0164	0.0164	NUM
fsr-3355	228	43	0.0097	0.0097	NUM
fsr-3355	228	44	0.0225	0.0225	NUM
fsr-3355	228	45	0.0350	0.0350	NUM
fsr-3355	228	46	*	*	PUNCT
fsr-3355	228	47	*	*	PUNCT
fsr-3355	228	48	*	*	PUNCT
fsr-3355	228	49	0.0067	0.0067	NUM
fsr-3355	228	50	risk	risk	NOUN
fsr-3355	228	51	tolerance	tolerance	NOUN
fsr-3355	228	52	(	(	PUNCT
fsr-3355	228	53	ref.=not	ref.=not	PROPN
fsr-3355	228	54	willing	willing	ADJ
fsr-3355	228	55	)	)	PUNCT
fsr-3355	228	56	average	average	ADJ
fsr-3355	228	57	risk	risk	NOUN
fsr-3355	228	58	0.7900	0.7900	NUM
fsr-3355	228	59	*	*	PUNCT
fsr-3355	228	60	*	*	PUNCT
fsr-3355	228	61	*	*	PUNCT
fsr-3355	228	62	0.0480	0.0480	NUM
fsr-3355	228	63	0.7158	0.7158	NUM
fsr-3355	228	64	*	*	PUNCT
fsr-3355	228	65	*	*	PUNCT
fsr-3355	228	66	*	*	PUNCT
fsr-3355	228	67	0.1468	0.1468	NUM
fsr-3355	228	68	0.6853	0.6853	NUM
fsr-3355	228	69	*	*	PUNCT
fsr-3355	228	70	*	*	PUNCT
fsr-3355	228	71	*	*	PUNCT
fsr-3355	228	72	0.1368	0.1368	NUM
fsr-3355	228	73	0.7487	0.7487	NUM
fsr-3355	228	74	*	*	PUNCT
fsr-3355	228	75	*	*	PUNCT
fsr-3355	228	76	*	*	X
fsr-3355	228	77	0.2118	0.2118	NUM
fsr-3355	229	1	0.7993	0.7993	NUM
fsr-3355	229	2	*	*	PUNCT
fsr-3355	229	3	*	*	PUNCT
fsr-3355	229	4	*	*	X
fsr-3355	229	5	0.0553	0.0553	NUM
fsr-3355	229	6	above	above	ADP
fsr-3355	229	7	average	average	ADJ
fsr-3355	229	8	risk	risk	NOUN
fsr-3355	229	9	0.7823	0.7823	NUM
fsr-3355	229	10	*	*	PUNCT
fsr-3355	229	11	*	*	PUNCT
fsr-3355	229	12	*	*	PUNCT
fsr-3355	229	13	0.0518	0.0518	NUM
fsr-3355	229	14	0.6966	0.6966	NUM
fsr-3355	229	15	*	*	PUNCT
fsr-3355	229	16	*	*	PUNCT
fsr-3355	229	17	*	*	PUNCT
fsr-3355	229	18	0.1469	0.1469	NUM
fsr-3355	229	19	0.7672	0.7672	NUM
fsr-3355	229	20	*	*	PUNCT
fsr-3355	229	21	*	*	PUNCT
fsr-3355	229	22	*	*	X
fsr-3355	230	1	0.1741	0.1741	NUM
fsr-3355	230	2	0.6821	0.6821	NUM
fsr-3355	230	3	*	*	PUNCT
fsr-3355	230	4	*	*	PUNCT
fsr-3355	230	5	0.2420	0.2420	NUM
fsr-3355	230	6	0.7932	0.7932	NUM
fsr-3355	230	7	*	*	PUNCT
fsr-3355	230	8	*	*	PUNCT
fsr-3355	230	9	*	*	PUNCT
fsr-3355	230	10	0.0618	0.0618	NUM
fsr-3355	230	11	substantial	substantial	ADJ
fsr-3355	230	12	risk	risk	NOUN
fsr-3355	230	13	0.5862	0.5862	NUM
fsr-3355	230	14	*	*	PUNCT
fsr-3355	230	15	*	*	PUNCT
fsr-3355	230	16	*	*	NOUN
fsr-3355	230	17	0.0919	0.0919	NUM
fsr-3355	230	18	0.8746	0.8746	NUM
fsr-3355	230	19	*	*	PUNCT
fsr-3355	230	20	*	*	PUNCT
fsr-3355	230	21	*	*	PUNCT
fsr-3355	230	22	0.1896	0.1896	NUM
fsr-3355	230	23	0.8479	0.8479	NUM
fsr-3355	230	24	*	*	PUNCT
fsr-3355	230	25	*	*	PUNCT
fsr-3355	231	1	0.2677	0.2677	NUM
fsr-3355	231	2	0.2795	0.2795	NUM
fsr-3355	231	3	0.4098	0.4098	NUM
fsr-3355	231	4	0.4911	0.4911	NUM
fsr-3355	231	5	*	*	PUNCT
fsr-3355	231	6	*	*	PUNCT
fsr-3355	231	7	*	*	PUNCT
fsr-3355	231	8	0.1114	0.1114	PRON
fsr-3355	231	9	invest	invest	VERB
fsr-3355	231	10	horizon	horizon	NOUN
fsr-3355	231	11	(	(	PUNCT
fsr-3355	231	12	ref.=next	ref.=next	VERB
fsr-3355	231	13	few	few	ADJ
fsr-3355	231	14	months	month	NOUN
fsr-3355	231	15	)	)	PUNCT
fsr-3355	231	16	next	next	ADJ
fsr-3355	231	17	year	year	NOUN
fsr-3355	231	18	0.0105	0.0105	NUM
fsr-3355	231	19	0.0591	0.0591	NUM
fsr-3355	231	20	-0.0909	-0.0909	NOUN
fsr-3355	232	1	0.1763	0.1763	NUM
fsr-3355	232	2	-0.2527	-0.2527	NUM
fsr-3355	232	3	0.2072	0.2072	NUM
fsr-3355	232	4	-0.0690	-0.0690	NOUN
fsr-3355	232	5	0.3401	0.3401	NUM
fsr-3355	232	6	0.0938	0.0938	NUM
fsr-3355	232	7	0.0774	0.0774	NUM
fsr-3355	232	8	next	next	ADJ
fsr-3355	232	9	few	few	ADJ
fsr-3355	232	10	years	year	NOUN
fsr-3355	232	11	0.1714	0.1714	NUM
fsr-3355	232	12	*	*	PUNCT
fsr-3355	232	13	*	*	PUNCT
fsr-3355	232	14	0.0560	0.0560	NUM
fsr-3355	232	15	0.0397	0.0397	NUM
fsr-3355	232	16	0.1243	0.1243	NUM
fsr-3355	232	17	-0.1782	-0.1782	NOUN
fsr-3355	233	1	0.1894	0.1894	NUM
fsr-3355	233	2	0.0353	0.0353	NUM
fsr-3355	233	3	0.2884	0.2884	NUM
fsr-3355	233	4	0.2694	0.2694	NUM
fsr-3355	233	5	*	*	PUNCT
fsr-3355	233	6	*	*	PUNCT
fsr-3355	233	7	*	*	PUNCT
fsr-3355	233	8	0.0683	0.0683	NUM
fsr-3355	233	9	next	next	ADJ
fsr-3355	233	10	5	5	NUM
fsr-3355	233	11	-	-	SYM
fsr-3355	233	12	10	10	NUM
fsr-3355	233	13	years	year	NOUN
fsr-3355	233	14	0.3205	0.3205	NUM
fsr-3355	233	15	*	*	PUNCT
fsr-3355	233	16	*	*	PUNCT
fsr-3355	233	17	*	*	PUNCT
fsr-3355	233	18	0.0605	0.0605	NUM
fsr-3355	233	19	0.0219	0.0219	NUM
fsr-3355	233	20	0.1509	0.1509	NUM
fsr-3355	233	21	0.2480	0.2480	NUM
fsr-3355	233	22	0.2148	0.2148	NUM
fsr-3355	233	23	-0.0876	-0.0876	NOUN
fsr-3355	233	24	0.3232	0.3232	NUM
fsr-3355	233	25	0.4359	0.4359	PUNCT
fsr-3355	233	26	*	*	PUNCT
fsr-3355	233	27	*	*	PUNCT
fsr-3355	233	28	*	*	PUNCT
fsr-3355	233	29	0.0692	0.0692	NUM
fsr-3355	233	30	longer	long	ADJ
fsr-3355	233	31	than	than	ADP
fsr-3355	233	32	10	10	NUM
fsr-3355	233	33	years	year	NOUN
fsr-3355	233	34	0.3778	0.3778	NUM
fsr-3355	233	35	*	*	PUNCT
fsr-3355	233	36	*	*	PUNCT
fsr-3355	233	37	*	*	X
fsr-3355	233	38	0.0618	0.0618	NUM
fsr-3355	233	39	0.3793	0.3793	NUM
fsr-3355	233	40	*	*	PUNCT
fsr-3355	233	41	0.1673	0.1673	NUM
fsr-3355	233	42	0.1078	0.1078	NUM
fsr-3355	233	43	0.2381	0.2381	NUM
fsr-3355	233	44	-0.0147	-0.0147	NOUN
fsr-3355	233	45	0.3919	0.3919	NUM
fsr-3355	233	46	0.4751	0.4751	NUM
fsr-3355	233	47	*	*	PUNCT
fsr-3355	233	48	*	*	PUNCT
fsr-3355	233	49	*	*	X
fsr-3355	233	50	0.0686	0.0686	NUM
fsr-3355	233	51	subjective	subjective	ADJ
fsr-3355	233	52	knowledge	knowledge	NOUN
fsr-3355	233	53	0.0172	0.0172	NUM
fsr-3355	233	54	*	*	SYM
fsr-3355	233	55	0.0080	0.0080	NUM
fsr-3355	233	56	0.0608	0.0608	NUM
fsr-3355	233	57	*	*	PUNCT
fsr-3355	233	58	*	*	PUNCT
fsr-3355	233	59	0.0212	0.0212	NUM
fsr-3355	233	60	0.0690	0.0690	NUM
fsr-3355	233	61	*	*	PUNCT
fsr-3355	233	62	*	*	PUNCT
fsr-3355	233	63	0.0246	0.0246	NUM
fsr-3355	233	64	0.0560	0.0560	NUM
fsr-3355	233	65	0.0468	0.0468	NUM
fsr-3355	233	66	-0.0041	-0.0041	NOUN
fsr-3355	233	67	0.0103	0.0103	NUM
fsr-3355	233	68	objective	objective	ADJ
fsr-3355	233	69	knowledge	knowledge	NOUN
fsr-3355	233	70	0.1770	0.1770	NUM
fsr-3355	233	71	*	*	PUNCT
fsr-3355	233	72	*	*	PUNCT
fsr-3355	233	73	*	*	PUNCT
fsr-3355	233	74	0.0254	0.0254	NUM
fsr-3355	233	75	0.0142	0.0142	NUM
fsr-3355	233	76	0.0577	0.0577	NUM
fsr-3355	233	77	0.0741	0.0741	NUM
fsr-3355	233	78	0.0752	0.0752	NUM
fsr-3355	233	79	0.3352	0.3352	NUM
fsr-3355	233	80	*	*	PUNCT
fsr-3355	233	81	*	*	PUNCT
fsr-3355	233	82	0.1131	0.1131	NUM
fsr-3355	234	1	0.2147	0.2147	NUM
fsr-3355	234	2	*	*	PUNCT
fsr-3355	234	3	*	*	PUNCT
fsr-3355	234	4	*	*	X
fsr-3355	234	5	0.0315	0.0315	NUM
fsr-3355	234	6	household	household	NOUN
fsr-3355	234	7	size	size	NOUN
fsr-3355	234	8	-0.0353	-0.0353	PROPN
fsr-3355	234	9	*	*	PROPN
fsr-3355	235	1	0.0145	0.0145	NUM
fsr-3355	235	2	-0.0921	-0.0921	NOUN
fsr-3355	235	3	*	*	NUM
fsr-3355	235	4	0.0403	0.0403	NUM
fsr-3355	235	5	0.0134	0.0134	NUM
fsr-3355	235	6	0.0573	0.0573	NUM
fsr-3355	235	7	0.0270	0.0270	NUM
fsr-3355	235	8	0.0644	0.0644	NUM
fsr-3355	235	9	-0.0331	-0.0331	NOUN
fsr-3355	235	10	0.0186	0.0186	NUM
fsr-3355	235	11	educational	educational	ADJ
fsr-3355	235	12	attainment	attainment	NOUN
fsr-3355	235	13	(	(	PUNCT
fsr-3355	235	14	ref	ref	NOUN
fsr-3355	235	15	.	.	PUNCT
fsr-3355	236	1	=	=	PUNCT
fsr-3355	236	2	less	less	ADJ
fsr-3355	236	3	than	than	ADP
fsr-3355	236	4	high	high	ADJ
fsr-3355	236	5	school	school	NOUN
fsr-3355	236	6	)	)	PUNCT
fsr-3355	236	7	high	high	ADJ
fsr-3355	236	8	school	school	NOUN
fsr-3355	236	9	0.5133	0.5133	NUM
fsr-3355	236	10	*	*	PUNCT
fsr-3355	236	11	*	*	PUNCT
fsr-3355	236	12	*	*	PUNCT
fsr-3355	236	13	0.1091	0.1091	NUM
fsr-3355	236	14	-0.1838	-0.1838	NOUN
fsr-3355	236	15	0.2087	0.2087	NUM
fsr-3355	236	16	0.6932	0.6932	NUM
fsr-3355	236	17	*	*	PUNCT
fsr-3355	236	18	0.3344	0.3344	NUM
fsr-3355	236	19	0.7375	0.7375	NUM
fsr-3355	236	20	3.9594	3.9594	NUM
fsr-3355	236	21	0.6930	0.6930	NUM
fsr-3355	236	22	*	*	PUNCT
fsr-3355	236	23	*	*	PUNCT
fsr-3355	236	24	*	*	PUNCT
fsr-3355	236	25	0.1500	0.1500	NUM
fsr-3355	236	26	some	some	DET
fsr-3355	236	27	college	college	NOUN
fsr-3355	236	28	0.6238	0.6238	NUM
fsr-3355	236	29	*	*	PUNCT
fsr-3355	236	30	*	*	PUNCT
fsr-3355	236	31	*	*	PUNCT
fsr-3355	236	32	0.1011	0.1011	NUM
fsr-3355	236	33	0.0575	0.0575	NUM
fsr-3355	236	34	0.1873	0.1873	NUM
fsr-3355	236	35	0.7778	0.7778	NUM
fsr-3355	236	36	*	*	PUNCT
fsr-3355	236	37	*	*	PUNCT
fsr-3355	236	38	*	*	PUNCT
fsr-3355	236	39	0.2385	0.2385	NUM
fsr-3355	236	40	1.1054	1.1054	NUM
fsr-3355	236	41	3.9382	3.9382	NUM
fsr-3355	236	42	0.7575	0.7575	NUM
fsr-3355	236	43	*	*	PUNCT
fsr-3355	236	44	*	*	PUNCT
fsr-3355	236	45	*	*	PUNCT
fsr-3355	236	46	0.1489	0.1489	NUM
fsr-3355	236	47	bachelor	bachelor	NOUN
fsr-3355	236	48	0.8328	0.8328	NUM
fsr-3355	236	49	*	*	PUNCT
fsr-3355	236	50	*	*	PUNCT
fsr-3355	236	51	*	*	PUNCT
fsr-3355	237	1	0.1031	0.1031	NUM
fsr-3355	237	2	0.4592	0.4592	NUM
fsr-3355	237	3	*	*	PUNCT
fsr-3355	237	4	0.1954	0.1954	NUM
fsr-3355	237	5	1.1322	1.1322	NUM
fsr-3355	237	6	*	*	PUNCT
fsr-3355	237	7	*	*	PUNCT
fsr-3355	237	8	*	*	PUNCT
fsr-3355	237	9	0.2261	0.2261	NUM
fsr-3355	237	10	0.7006	0.7006	NUM
fsr-3355	237	11	3.9447	3.9447	NUM
fsr-3355	237	12	0.9628	0.9628	NUM
fsr-3355	237	13	*	*	PUNCT
fsr-3355	237	14	*	*	PUNCT
fsr-3355	237	15	*	*	PUNCT
fsr-3355	237	16	0.1606	0.1606	NUM
fsr-3355	237	17	graduate	graduate	NOUN
fsr-3355	237	18	0.9187	0.9187	NUM
fsr-3355	237	19	*	*	PUNCT
fsr-3355	237	20	*	*	PUNCT
fsr-3355	237	21	*	*	PUNCT
fsr-3355	237	22	0.1025	0.1025	NUM
fsr-3355	237	23	0.4118	0.4118	NUM
fsr-3355	237	24	0.2159	0.2159	NUM
fsr-3355	237	25	1.1356	1.1356	NUM
fsr-3355	237	26	*	*	PUNCT
fsr-3355	237	27	*	*	PUNCT
fsr-3355	237	28	*	*	PUNCT
fsr-3355	237	29	0.3134	0.3134	NUM
fsr-3355	237	30	0.8684	0.8684	NUM
fsr-3355	237	31	3.9347	3.9347	NUM
fsr-3355	237	32	1.0648	1.0648	NUM
fsr-3355	237	33	*	*	PUNCT
fsr-3355	237	34	*	*	PUNCT
fsr-3355	237	35	*	*	PUNCT
fsr-3355	237	36	0.1579	0.1579	NUM
fsr-3355	237	37	homeownership	homeownership	NOUN
fsr-3355	237	38	(	(	PUNCT
fsr-3355	237	39	ref.=no	ref.=no	PROPN
fsr-3355	237	40	)	)	PUNCT
fsr-3355	237	41	0.1552	0.1552	NUM
fsr-3355	237	42	*	*	PUNCT
fsr-3355	237	43	*	*	PUNCT
fsr-3355	237	44	*	*	PUNCT
fsr-3355	237	45	0.0486	0.0486	NUM
fsr-3355	237	46	0.1994	0.1994	NUM
fsr-3355	237	47	0.1201	0.1201	NUM
fsr-3355	237	48	0.2511	0.2511	NUM
fsr-3355	237	49	0.1397	0.1397	NUM
fsr-3355	237	50	0.3785	0.3785	NUM
fsr-3355	237	51	0.2478	0.2478	NUM
fsr-3355	237	52	0.1252	0.1252	NUM
fsr-3355	237	53	*	*	PUNCT
fsr-3355	237	54	0.0623	0.0623	NUM
fsr-3355	237	55	employed	employ	VERB
fsr-3355	237	56	(	(	PUNCT
fsr-3355	237	57	ref.=unemployed	ref.=unemployed	NUM
fsr-3355	237	58	)	)	PUNCT
fsr-3355	237	59	employee	employee	NOUN
fsr-3355	237	60	0.0093	0.0093	NUM
fsr-3355	237	61	0.0990	0.0990	NUM
fsr-3355	237	62	-0.2892	-0.2892	NOUN
fsr-3355	237	63	0.2378	0.2378	NUM
fsr-3355	237	64	0.8489	0.8489	NUM
fsr-3355	237	65	1.2875	1.2875	NUM
fsr-3355	237	66	-0.0384	-0.0384	VERB
fsr-3355	237	67	0.2724	0.2724	NUM
fsr-3355	237	68	0.0139	0.0139	NUM
fsr-3355	237	69	0.1186	0.1186	NUM
fsr-3355	237	70	self	self	NOUN
fsr-3355	237	71	-	-	PUNCT
fsr-3355	237	72	employed	employ	VERB
fsr-3355	237	73	0.0397	0.0397	NUM
fsr-3355	237	74	0.1013	0.1013	NUM
fsr-3355	238	1	0.1145	0.1145	NUM
fsr-3355	238	2	0.2411	0.2411	NUM
fsr-3355	238	3	0.9846	0.9846	NUM
fsr-3355	238	4	1.2813	1.2813	NUM
fsr-3355	238	5	0.2671	0.2671	NUM
fsr-3355	238	6	0.2994	0.2994	NUM
fsr-3355	238	7	-0.0236	-0.0236	NOUN
fsr-3355	238	8	0.1155	0.1155	NUM
fsr-3355	238	9	retired	retire	VERB
fsr-3355	238	10	0.1318	0.1318	NUM
fsr-3355	238	11	0.1046	0.1046	NUM
fsr-3355	238	12	-0.2158	-0.2158	NOUN
fsr-3355	239	1	0.2830	0.2830	NUM
fsr-3355	239	2	1.4831	1.4831	NUM
fsr-3355	239	3	1.2767	1.2767	NUM
fsr-3355	239	4	0.2627	0.2627	NUM
fsr-3355	239	5	0.3974	0.3974	NUM
fsr-3355	239	6	0.0895	0.0895	NUM
fsr-3355	239	7	0.1191	0.1191	NUM
fsr-3355	239	8	financial	financial	ADJ
fsr-3355	239	9	services	service	NOUN
fsr-3355	239	10	review	review	NOUN
fsr-3355	239	11	,	,	PUNCT
fsr-3355	239	12	32(4	32(4	NUM
fsr-3355	239	13	)	)	PUNCT
fsr-3355	239	14	38	38	NUM
fsr-3355	239	15	have	have	VERB
fsr-3355	239	16	emergency	emergency	NOUN
fsr-3355	239	17	funds	fund	NOUN
fsr-3355	239	18	(	(	PUNCT
fsr-3355	239	19	ref.=	ref.=	NOUN
fsr-3355	239	20	no	no	NOUN
fsr-3355	239	21	)	)	PUNCT
fsr-3355	239	22	0.1014	0.1014	NUM
fsr-3355	239	23	*	*	PUNCT
fsr-3355	239	24	0.0433	0.0433	NUM
fsr-3355	239	25	0.3116	0.3116	PUNCT
fsr-3355	239	26	*	*	PUNCT
fsr-3355	239	27	*	*	PUNCT
fsr-3355	239	28	0.0986	0.0986	NUM
fsr-3355	239	29	-0.0153	-0.0153	VERB
fsr-3355	239	30	0.1414	0.1414	NUM
fsr-3355	239	31	0.0617	0.0617	NUM
fsr-3355	239	32	0.1769	0.1769	NUM
fsr-3355	239	33	0.0725	0.0725	NUM
fsr-3355	239	34	0.0530	0.0530	NUM
fsr-3355	239	35	intercept	intercept	NOUN
fsr-3355	239	36	4.4140	4.4140	NUM
fsr-3355	239	37	*	*	PUNCT
fsr-3355	239	38	*	*	PUNCT
fsr-3355	239	39	*	*	PUNCT
fsr-3355	239	40	0.2608	0.2608	NUM
fsr-3355	239	41	4.3920	4.3920	NUM
fsr-3355	239	42	*	*	PUNCT
fsr-3355	239	43	*	*	PUNCT
fsr-3355	239	44	*	*	PUNCT
fsr-3355	239	45	0.6276	0.6276	NUM
fsr-3355	239	46	5.7947	5.7947	NUM
fsr-3355	239	47	*	*	PUNCT
fsr-3355	239	48	*	*	PUNCT
fsr-3355	239	49	*	*	X
fsr-3355	239	50	1.5528	1.5528	NUM
fsr-3355	239	51	-4.7735	-4.7735	NOUN
fsr-3355	239	52	4.0514	4.0514	NUM
fsr-3355	239	53	4.6304	4.6304	NUM
fsr-3355	239	54	*	*	PUNCT
fsr-3355	239	55	*	*	PUNCT
fsr-3355	239	56	*	*	PUNCT
fsr-3355	239	57	0.2751	0.2751	NUM
fsr-3355	239	58	sample	sample	NOUN
fsr-3355	239	59	size	size	NOUN
fsr-3355	239	60	4,059	4,059	NUM
fsr-3355	239	61	378	378	NUM
fsr-3355	239	62	221	221	NUM
fsr-3355	239	63	200	200	NUM
fsr-3355	239	64	3,260	3,260	NUM
fsr-3355	239	65	r	r	NOUN
fsr-3355	239	66	-	-	PUNCT
fsr-3355	239	67	squared	square	VERB
fsr-3355	239	68	0.1172	0.1172	NUM
fsr-3355	239	69	0.0966	0.0966	NUM
fsr-3355	239	70	0.1298	0.1298	NUM
fsr-3355	239	71	0.0889	0.0889	NUM
fsr-3355	239	72	0.1085	0.1085	NUM
fsr-3355	239	73	note	note	NOUN
fsr-3355	239	74	:	:	PUNCT
fsr-3355	239	75	unweighted	unweighted	ADJ
fsr-3355	239	76	analysis	analysis	NOUN
fsr-3355	239	77	,	,	PUNCT
fsr-3355	239	78	2016	2016	NUM
fsr-3355	239	79	&	&	CCONJ
fsr-3355	239	80	2019	2019	NUM
fsr-3355	239	81	scf	scf	PROPN
fsr-3355	239	82	.	.	PUNCT
fsr-3355	240	1	*	*	PUNCT
fsr-3355	240	2	p<0.05	p<0.05	NOUN
fsr-3355	240	3	;	;	PUNCT
fsr-3355	240	4	*	*	PUNCT
fsr-3355	240	5	*	*	PUNCT
fsr-3355	240	6	p<0.01	p<0.01	PROPN
fsr-3355	240	7	;	;	PUNCT
fsr-3355	240	8	*	*	PUNCT
fsr-3355	240	9	*	*	PUNCT
fsr-3355	240	10	*	*	PUNCT
fsr-3355	240	11	p<0.001	p<0.001	ADJ
fsr-3355	240	12	black	black	ADJ
fsr-3355	240	13	respondents	respondent	NOUN
fsr-3355	240	14	.	.	PUNCT
fsr-3355	241	1	among	among	ADP
fsr-3355	241	2	black	black	ADJ
fsr-3355	241	3	respondents	respondent	NOUN
fsr-3355	241	4	who	who	PRON
fsr-3355	241	5	use	use	VERB
fsr-3355	241	6	a	a	DET
fsr-3355	241	7	financial	financial	ADJ
fsr-3355	241	8	planner	planner	NOUN
fsr-3355	241	9	,	,	PUNCT
fsr-3355	241	10	being	be	AUX
fsr-3355	241	11	a	a	DET
fsr-3355	241	12	woman	woman	NOUN
fsr-3355	241	13	,	,	PUNCT
fsr-3355	241	14	age	age	NOUN
fsr-3355	241	15	,	,	PUNCT
fsr-3355	241	16	being	be	AUX
fsr-3355	241	17	married	marry	VERB
fsr-3355	241	18	,	,	PUNCT
fsr-3355	241	19	having	have	VERB
fsr-3355	241	20	an	an	DET
fsr-3355	241	21	income	income	NOUN
fsr-3355	241	22	that	that	PRON
fsr-3355	241	23	was	be	AUX
fsr-3355	241	24	$	$	SYM
fsr-3355	241	25	100,000	100,000	NUM
fsr-3355	241	26	or	or	CCONJ
fsr-3355	241	27	more	more	ADJ
fsr-3355	241	28	,	,	PUNCT
fsr-3355	241	29	being	be	AUX
fsr-3355	241	30	willing	willing	ADJ
fsr-3355	241	31	to	to	PART
fsr-3355	241	32	take	take	VERB
fsr-3355	241	33	at	at	ADV
fsr-3355	241	34	least	least	ADJ
fsr-3355	241	35	some	some	PRON
fsr-3355	241	36	risk	risk	NOUN
fsr-3355	241	37	,	,	PUNCT
fsr-3355	241	38	having	have	VERB
fsr-3355	241	39	a	a	DET
fsr-3355	241	40	time	time	NOUN
fsr-3355	241	41	horizon	horizon	NOUN
fsr-3355	241	42	greater	great	ADJ
fsr-3355	241	43	than	than	ADP
fsr-3355	241	44	10	10	NUM
fsr-3355	241	45	years	year	NOUN
fsr-3355	241	46	,	,	PUNCT
fsr-3355	241	47	subjective	subjective	ADJ
fsr-3355	241	48	financial	financial	ADJ
fsr-3355	241	49	knowledge	knowledge	NOUN
fsr-3355	241	50	,	,	PUNCT
fsr-3355	241	51	holding	hold	VERB
fsr-3355	241	52	at	at	ADP
fsr-3355	241	53	least	least	ADJ
fsr-3355	241	54	a	a	DET
fsr-3355	241	55	bachelor	bachelor	NOUN
fsr-3355	241	56	’s	’s	PART
fsr-3355	241	57	degree	degree	NOUN
fsr-3355	241	58	,	,	PUNCT
fsr-3355	241	59	and	and	CCONJ
fsr-3355	241	60	having	have	VERB
fsr-3355	241	61	access	access	NOUN
fsr-3355	241	62	to	to	ADP
fsr-3355	241	63	emergency	emergency	NOUN
fsr-3355	241	64	funds	fund	NOUN
fsr-3355	241	65	were	be	AUX
fsr-3355	241	66	all	all	PRON
fsr-3355	241	67	positively	positively	ADV
fsr-3355	241	68	associated	associate	VERB
fsr-3355	241	69	with	with	ADP
fsr-3355	241	70	using	use	VERB
fsr-3355	241	71	a	a	DET
fsr-3355	241	72	financial	financial	ADJ
fsr-3355	241	73	planner	planner	NOUN
fsr-3355	241	74	when	when	SCONJ
fsr-3355	241	75	making	make	VERB
fsr-3355	241	76	decisions	decision	NOUN
fsr-3355	241	77	about	about	ADP
fsr-3355	241	78	saving	save	VERB
fsr-3355	241	79	and	and	CCONJ
fsr-3355	241	80	investing	investing	NOUN
fsr-3355	241	81	.	.	PUNCT
fsr-3355	242	1	household	household	NOUN
fsr-3355	242	2	size	size	NOUN
fsr-3355	242	3	and	and	CCONJ
fsr-3355	242	4	age	age	NOUN
fsr-3355	242	5	squared	square	VERB
fsr-3355	242	6	were	be	AUX
fsr-3355	242	7	negatively	negatively	ADV
fsr-3355	242	8	associated	associate	VERB
fsr-3355	242	9	with	with	ADP
fsr-3355	242	10	using	use	VERB
fsr-3355	242	11	a	a	DET
fsr-3355	242	12	financial	financial	ADJ
fsr-3355	242	13	planner	planner	NOUN
fsr-3355	242	14	for	for	ADP
fsr-3355	242	15	saving	saving	NOUN
fsr-3355	242	16	and	and	CCONJ
fsr-3355	242	17	investment	investment	NOUN
fsr-3355	242	18	decisions	decision	NOUN
fsr-3355	242	19	.	.	PUNCT
fsr-3355	243	1	hispanic	hispanic	ADJ
fsr-3355	243	2	respondents	respondent	NOUN
fsr-3355	243	3	.	.	PUNCT
fsr-3355	244	1	for	for	ADP
fsr-3355	244	2	hispanic	hispanic	ADJ
fsr-3355	244	3	respondents	respondent	NOUN
fsr-3355	244	4	,	,	PUNCT
fsr-3355	244	5	age	age	NOUN
fsr-3355	244	6	,	,	PUNCT
fsr-3355	244	7	having	have	VERB
fsr-3355	244	8	an	an	DET
fsr-3355	244	9	income	income	NOUN
fsr-3355	244	10	of	of	ADP
fsr-3355	244	11	$	$	SYM
fsr-3355	244	12	50,000	50,000	NUM
fsr-3355	244	13	or	or	CCONJ
fsr-3355	244	14	more	more	ADJ
fsr-3355	244	15	,	,	PUNCT
fsr-3355	244	16	having	have	VERB
fsr-3355	244	17	at	at	ADP
fsr-3355	244	18	least	least	ADJ
fsr-3355	244	19	some	some	PRON
fsr-3355	244	20	risk	risk	NOUN
fsr-3355	244	21	tolerance	tolerance	NOUN
fsr-3355	244	22	,	,	PUNCT
fsr-3355	244	23	subjective	subjective	ADJ
fsr-3355	244	24	financial	financial	ADJ
fsr-3355	244	25	knowledge	knowledge	NOUN
fsr-3355	244	26	,	,	PUNCT
fsr-3355	244	27	and	and	CCONJ
fsr-3355	244	28	having	have	VERB
fsr-3355	244	29	at	at	ADV
fsr-3355	244	30	least	least	ADJ
fsr-3355	244	31	a	a	DET
fsr-3355	244	32	high	high	ADJ
fsr-3355	244	33	school	school	NOUN
fsr-3355	244	34	diploma	diploma	NOUN
fsr-3355	244	35	were	be	AUX
fsr-3355	244	36	associated	associate	VERB
fsr-3355	244	37	positively	positively	ADV
fsr-3355	244	38	with	with	ADP
fsr-3355	244	39	financial	financial	ADJ
fsr-3355	244	40	planner	planner	NOUN
fsr-3355	244	41	use	use	NOUN
fsr-3355	244	42	.	.	PUNCT
fsr-3355	245	1	age	age	NOUN
fsr-3355	245	2	squared	square	VERB
fsr-3355	245	3	and	and	CCONJ
fsr-3355	245	4	marriage	marriage	NOUN
fsr-3355	245	5	were	be	AUX
fsr-3355	245	6	negatively	negatively	ADV
fsr-3355	245	7	associated	associate	VERB
fsr-3355	245	8	with	with	ADP
fsr-3355	245	9	using	use	VERB
fsr-3355	245	10	a	a	DET
fsr-3355	245	11	financial	financial	ADJ
fsr-3355	245	12	planner	planner	NOUN
fsr-3355	245	13	.	.	PUNCT
fsr-3355	246	1	asian	asian	ADJ
fsr-3355	246	2	/	/	SYM
fsr-3355	246	3	other	other	ADJ
fsr-3355	246	4	respondents	respondent	NOUN
fsr-3355	246	5	.	.	PUNCT
fsr-3355	247	1	for	for	ADP
fsr-3355	247	2	the	the	DET
fsr-3355	247	3	asian	asian	ADJ
fsr-3355	247	4	/	/	SYM
fsr-3355	247	5	other	other	ADJ
fsr-3355	247	6	group	group	NOUN
fsr-3355	247	7	,	,	PUNCT
fsr-3355	247	8	having	have	VERB
fsr-3355	247	9	average	average	ADJ
fsr-3355	247	10	or	or	CCONJ
fsr-3355	247	11	above	above	ADP
fsr-3355	247	12	average	average	ADJ
fsr-3355	247	13	risk	risk	NOUN
fsr-3355	247	14	compared	compare	VERB
fsr-3355	247	15	to	to	ADP
fsr-3355	247	16	no	no	DET
fsr-3355	247	17	risk	risk	NOUN
fsr-3355	247	18	was	be	AUX
fsr-3355	247	19	associated	associate	VERB
fsr-3355	247	20	with	with	ADP
fsr-3355	247	21	seeking	seek	VERB
fsr-3355	247	22	advice	advice	NOUN
fsr-3355	247	23	.	.	PUNCT
fsr-3355	248	1	in	in	ADP
fsr-3355	248	2	addition	addition	NOUN
fsr-3355	248	3	,	,	PUNCT
fsr-3355	248	4	objective	objective	ADJ
fsr-3355	248	5	financial	financial	ADJ
fsr-3355	248	6	knowledge	knowledge	NOUN
fsr-3355	248	7	was	be	AUX
fsr-3355	248	8	positively	positively	ADV
fsr-3355	248	9	associated	associate	VERB
fsr-3355	248	10	,	,	PUNCT
fsr-3355	248	11	while	while	SCONJ
fsr-3355	248	12	marriage	marriage	NOUN
fsr-3355	248	13	was	be	AUX
fsr-3355	248	14	negatively	negatively	ADV
fsr-3355	248	15	associated	associate	VERB
fsr-3355	248	16	.	.	PUNCT
fsr-3355	249	1	white	white	ADJ
fsr-3355	249	2	respondents	respondent	NOUN
fsr-3355	249	3	.	.	PUNCT
fsr-3355	250	1	among	among	ADP
fsr-3355	250	2	white	white	ADJ
fsr-3355	250	3	respondents	respondent	NOUN
fsr-3355	250	4	,	,	PUNCT
fsr-3355	250	5	being	be	AUX
fsr-3355	250	6	a	a	DET
fsr-3355	250	7	woman	woman	NOUN
fsr-3355	250	8	,	,	PUNCT
fsr-3355	250	9	age	age	NOUN
fsr-3355	250	10	,	,	PUNCT
fsr-3355	250	11	having	have	VERB
fsr-3355	250	12	income	income	NOUN
fsr-3355	250	13	greater	great	ADJ
fsr-3355	250	14	than	than	ADP
fsr-3355	250	15	$	$	SYM
fsr-3355	250	16	50,000	50,000	NUM
fsr-3355	250	17	,	,	PUNCT
fsr-3355	250	18	having	have	VERB
fsr-3355	250	19	at	at	ADP
fsr-3355	250	20	least	least	ADJ
fsr-3355	250	21	some	some	PRON
fsr-3355	250	22	risk	risk	NOUN
fsr-3355	250	23	tolerance	tolerance	NOUN
fsr-3355	250	24	,	,	PUNCT
fsr-3355	250	25	having	have	VERB
fsr-3355	250	26	an	an	DET
fsr-3355	250	27	investment	investment	NOUN
fsr-3355	250	28	time	time	NOUN
fsr-3355	250	29	horizon	horizon	NOUN
fsr-3355	250	30	of	of	ADP
fsr-3355	250	31	the	the	DET
fsr-3355	250	32	next	next	ADJ
fsr-3355	250	33	few	few	ADJ
fsr-3355	250	34	years	year	NOUN
fsr-3355	250	35	or	or	CCONJ
fsr-3355	250	36	more	more	ADJ
fsr-3355	250	37	,	,	PUNCT
fsr-3355	250	38	and	and	CCONJ
fsr-3355	250	39	objective	objective	ADJ
fsr-3355	250	40	financial	financial	ADJ
fsr-3355	250	41	knowledge	knowledge	NOUN
fsr-3355	250	42	were	be	AUX
fsr-3355	250	43	associated	associate	VERB
fsr-3355	250	44	positively	positively	ADV
fsr-3355	250	45	with	with	ADP
fsr-3355	250	46	financial	financial	ADJ
fsr-3355	250	47	advice	advice	NOUN
fsr-3355	250	48	seeking	seeking	NOUN
fsr-3355	250	49	.	.	PUNCT
fsr-3355	251	1	net	net	ADJ
fsr-3355	251	2	worth	worth	NOUN
fsr-3355	251	3	was	be	AUX
fsr-3355	251	4	also	also	ADV
fsr-3355	251	5	positively	positively	ADV
fsr-3355	251	6	associated	associate	VERB
fsr-3355	251	7	with	with	ADP
fsr-3355	251	8	using	use	VERB
fsr-3355	251	9	a	a	DET
fsr-3355	251	10	financial	financial	ADJ
fsr-3355	251	11	planner	planner	NOUN
fsr-3355	251	12	.	.	PUNCT
fsr-3355	252	1	as	as	SCONJ
fsr-3355	252	2	the	the	DET
fsr-3355	252	3	findings	finding	NOUN
fsr-3355	252	4	show	show	VERB
fsr-3355	252	5	,	,	PUNCT
fsr-3355	252	6	there	there	PRON
fsr-3355	252	7	were	be	VERB
fsr-3355	252	8	differences	difference	NOUN
fsr-3355	252	9	in	in	ADP
fsr-3355	252	10	the	the	DET
fsr-3355	252	11	characteristics	characteristic	NOUN
fsr-3355	252	12	of	of	ADP
fsr-3355	252	13	seeking	seek	VERB
fsr-3355	252	14	financial	financial	ADJ
fsr-3355	252	15	advice	advice	NOUN
fsr-3355	252	16	among	among	ADP
fsr-3355	252	17	racial	racial	ADJ
fsr-3355	252	18	/	/	SYM
fsr-3355	252	19	ethnic	ethnic	ADJ
fsr-3355	252	20	groups	group	NOUN
fsr-3355	252	21	.	.	PUNCT
fsr-3355	253	1	as	as	SCONJ
fsr-3355	253	2	such	such	ADJ
fsr-3355	253	3	,	,	PUNCT
fsr-3355	253	4	decomposition	decomposition	NOUN
fsr-3355	253	5	estimation	estimation	NOUN
fsr-3355	253	6	was	be	AUX
fsr-3355	253	7	used	use	VERB
fsr-3355	253	8	to	to	PART
fsr-3355	253	9	investigate	investigate	VERB
fsr-3355	253	10	further	far	ADV
fsr-3355	253	11	and	and	CCONJ
fsr-3355	253	12	measure	measure	VERB
fsr-3355	253	13	the	the	DET
fsr-3355	253	14	intergroup	intergroup	NOUN
fsr-3355	253	15	differences	difference	NOUN
fsr-3355	253	16	among	among	ADP
fsr-3355	253	17	these	these	DET
fsr-3355	253	18	variables	variable	NOUN
fsr-3355	253	19	.	.	PUNCT
fsr-3355	254	1	decomposition	decomposition	NOUN
fsr-3355	254	2	analyses	analysis	NOUN
fsr-3355	254	3	according	accord	VERB
fsr-3355	254	4	to	to	ADP
fsr-3355	254	5	fairlie	fairlie	PROPN
fsr-3355	254	6	(	(	PUNCT
fsr-3355	254	7	2005	2005	NUM
fsr-3355	254	8	)	)	PUNCT
fsr-3355	254	9	,	,	PUNCT
fsr-3355	254	10	when	when	SCONJ
fsr-3355	254	11	conducting	conduct	VERB
fsr-3355	254	12	decomposition	decomposition	NOUN
fsr-3355	254	13	analyses	analysis	NOUN
fsr-3355	254	14	,	,	PUNCT
fsr-3355	254	15	the	the	DET
fsr-3355	254	16	reference	reference	NOUN
fsr-3355	254	17	group	group	NOUN
fsr-3355	254	18	should	should	AUX
fsr-3355	254	19	typically	typically	ADV
fsr-3355	254	20	be	be	AUX
fsr-3355	254	21	the	the	DET
fsr-3355	254	22	group	group	NOUN
fsr-3355	254	23	with	with	ADP
fsr-3355	254	24	the	the	DET
fsr-3355	254	25	lower	low	ADJ
fsr-3355	254	26	rate	rate	NOUN
fsr-3355	254	27	of	of	ADP
fsr-3355	254	28	financial	financial	ADJ
fsr-3355	254	29	planner	planner	NOUN
fsr-3355	254	30	use	use	NOUN
fsr-3355	254	31	at	at	ADP
fsr-3355	254	32	the	the	DET
fsr-3355	254	33	descriptive	descriptive	ADJ
fsr-3355	254	34	level	level	NOUN
fsr-3355	254	35	.	.	PUNCT
fsr-3355	255	1	for	for	ADP
fsr-3355	255	2	example	example	NOUN
fsr-3355	255	3	,	,	PUNCT
fsr-3355	255	4	the	the	DET
fsr-3355	255	5	hispanic	hispanic	ADJ
fsr-3355	255	6	group	group	NOUN
fsr-3355	255	7	served	serve	VERB
fsr-3355	255	8	as	as	ADP
fsr-3355	255	9	the	the	DET
fsr-3355	255	10	reference	reference	NOUN
fsr-3355	255	11	group	group	NOUN
fsr-3355	255	12	compared	compare	VERB
fsr-3355	255	13	with	with	ADP
fsr-3355	255	14	other	other	ADJ
fsr-3355	255	15	groups	group	NOUN
fsr-3355	255	16	since	since	SCONJ
fsr-3355	255	17	only	only	ADV
fsr-3355	255	18	19	19	NUM
fsr-3355	255	19	%	%	NOUN
fsr-3355	255	20	of	of	ADP
fsr-3355	255	21	hispanic	hispanic	ADJ
fsr-3355	255	22	respondents	respondent	NOUN
fsr-3355	255	23	from	from	ADP
fsr-3355	255	24	the	the	DET
fsr-3355	255	25	pooled	pooled	ADJ
fsr-3355	255	26	sample	sample	NOUN
fsr-3355	255	27	reported	report	VERB
fsr-3355	255	28	using	use	VERB
fsr-3355	255	29	a	a	DET
fsr-3355	255	30	financial	financial	ADJ
fsr-3355	255	31	planner	planner	NOUN
fsr-3355	255	32	when	when	SCONJ
fsr-3355	255	33	making	make	VERB
fsr-3355	255	34	decisions	decision	NOUN
fsr-3355	255	35	about	about	ADP
fsr-3355	255	36	saving	saving	NOUN
fsr-3355	255	37	and	and	CCONJ
fsr-3355	255	38	investments	investment	NOUN
fsr-3355	255	39	.	.	PUNCT
fsr-3355	256	1	black	black	ADJ
fsr-3355	256	2	respondents	respondent	NOUN
fsr-3355	256	3	had	have	VERB
fsr-3355	256	4	lower	low	ADJ
fsr-3355	256	5	rates	rate	NOUN
fsr-3355	256	6	(	(	PUNCT
fsr-3355	256	7	24	24	NUM
fsr-3355	256	8	%	%	NOUN
fsr-3355	256	9	)	)	PUNCT
fsr-3355	256	10	than	than	ADP
fsr-3355	256	11	white	white	ADJ
fsr-3355	256	12	respondents	respondent	NOUN
fsr-3355	256	13	(	(	PUNCT
fsr-3355	256	14	38	38	NUM
fsr-3355	256	15	%	%	NOUN
fsr-3355	256	16	)	)	PUNCT
fsr-3355	256	17	,	,	PUNCT
fsr-3355	256	18	and	and	CCONJ
fsr-3355	256	19	as	as	ADP
fsr-3355	256	20	such	such	ADJ
fsr-3355	256	21	,	,	PUNCT
fsr-3355	256	22	they	they	PRON
fsr-3355	256	23	were	be	AUX
fsr-3355	256	24	the	the	DET
fsr-3355	256	25	reference	reference	NOUN
fsr-3355	256	26	group	group	NOUN
fsr-3355	256	27	.	.	PUNCT
fsr-3355	257	1	asian	asian	ADJ
fsr-3355	257	2	/	/	SYM
fsr-3355	257	3	other	other	ADJ
fsr-3355	257	4	respondents	respondent	NOUN
fsr-3355	257	5	had	have	VERB
fsr-3355	257	6	a	a	DET
fsr-3355	257	7	rate	rate	NOUN
fsr-3355	257	8	of	of	ADP
fsr-3355	257	9	31	31	NUM
fsr-3355	257	10	%	%	NOUN
fsr-3355	257	11	and	and	CCONJ
fsr-3355	257	12	,	,	PUNCT
fsr-3355	257	13	therefore	therefore	ADV
fsr-3355	257	14	,	,	PUNCT
fsr-3355	257	15	were	be	AUX
fsr-3355	257	16	used	use	VERB
fsr-3355	257	17	as	as	ADP
fsr-3355	257	18	the	the	DET
fsr-3355	257	19	reference	reference	NOUN
fsr-3355	257	20	group	group	NOUN
fsr-3355	257	21	compared	compare	VERB
fsr-3355	257	22	to	to	ADP
fsr-3355	257	23	white	white	ADJ
fsr-3355	257	24	respondents	respondent	NOUN
fsr-3355	257	25	.	.	PUNCT
fsr-3355	258	1	table	table	NOUN
fsr-3355	258	2	4	4	NUM
fsr-3355	258	3	represents	represent	VERB
fsr-3355	258	4	the	the	DET
fsr-3355	258	5	decomposition	decomposition	NOUN
fsr-3355	258	6	analyses	analysis	NOUN
fsr-3355	258	7	utilizing	utilize	VERB
fsr-3355	258	8	fairlie	fairlie	PROPN
fsr-3355	258	9	’s	’s	PART
fsr-3355	258	10	estimation	estimation	NOUN
fsr-3355	258	11	(	(	PUNCT
fsr-3355	258	12	2005	2005	NUM
fsr-3355	258	13	)	)	PUNCT
fsr-3355	258	14	across	across	ADP
fsr-3355	258	15	three	three	NUM
fsr-3355	258	16	pairwise	pairwise	NOUN
fsr-3355	258	17	comparisons	comparison	NOUN
fsr-3355	258	18	between	between	ADP
fsr-3355	258	19	racial	racial	ADJ
fsr-3355	258	20	/	/	SYM
fsr-3355	258	21	ethnic	ethnic	ADJ
fsr-3355	258	22	groups	group	NOUN
fsr-3355	258	23	(	(	PUNCT
fsr-3355	258	24	e.g.	e.g.	ADV
fsr-3355	258	25	,	,	PUNCT
fsr-3355	258	26	black	black	ADJ
fsr-3355	258	27	respondents	respondent	NOUN
fsr-3355	258	28	versus	versus	ADP
fsr-3355	258	29	other	other	ADJ
fsr-3355	258	30	groups	group	NOUN
fsr-3355	258	31	)	)	PUNCT
fsr-3355	258	32	.	.	PUNCT
fsr-3355	259	1	specification	specification	NOUN
fsr-3355	259	2	1	1	NUM
fsr-3355	259	3	shows	show	VERB
fsr-3355	259	4	the	the	DET
fsr-3355	259	5	comparison	comparison	NOUN
fsr-3355	259	6	between	between	ADP
fsr-3355	259	7	black	black	ADJ
fsr-3355	259	8	and	and	CCONJ
fsr-3355	259	9	white	white	ADJ
fsr-3355	259	10	respondents	respondent	NOUN
fsr-3355	259	11	.	.	PUNCT
fsr-3355	260	1	the	the	DET
fsr-3355	260	2	total	total	ADJ
fsr-3355	260	3	difference	difference	NOUN
fsr-3355	260	4	in	in	ADP
fsr-3355	260	5	using	use	VERB
fsr-3355	260	6	financial	financial	ADJ
fsr-3355	260	7	planners	planner	NOUN
fsr-3355	260	8	when	when	SCONJ
fsr-3355	260	9	making	make	VERB
fsr-3355	260	10	decisions	decision	NOUN
fsr-3355	260	11	about	about	ADP
fsr-3355	260	12	saving	saving	NOUN
fsr-3355	260	13	and	and	CCONJ
fsr-3355	260	14	investments	investment	NOUN
fsr-3355	260	15	between	between	ADP
fsr-3355	260	16	these	these	DET
fsr-3355	260	17	two	two	NUM
fsr-3355	260	18	groups	group	NOUN
fsr-3355	260	19	was	be	AUX
fsr-3355	260	20	0.1399	0.1399	NUM
fsr-3355	260	21	based	base	VERB
fsr-3355	260	22	on	on	ADP
fsr-3355	260	23	the	the	DET
fsr-3355	260	24	mean	mean	ADJ
fsr-3355	260	25	predictions	prediction	NOUN
fsr-3355	260	26	of	of	ADP
fsr-3355	260	27	each	each	DET
fsr-3355	260	28	group	group	NOUN
fsr-3355	260	29	.	.	PUNCT
fsr-3355	261	1	the	the	DET
fsr-3355	261	2	explained	explain	VERB
fsr-3355	261	3	difference	difference	NOUN
fsr-3355	261	4	to	to	ADP
fsr-3355	261	5	the	the	DET
fsr-3355	261	6	total	total	ADJ
fsr-3355	261	7	difference	difference	NOUN
fsr-3355	261	8	was	be	AUX
fsr-3355	261	9	110	110	NUM
fsr-3355	261	10	%	%	NOUN
fsr-3355	261	11	,	,	PUNCT
fsr-3355	261	12	which	which	PRON
fsr-3355	261	13	indicates	indicate	VERB
fsr-3355	261	14	that	that	SCONJ
fsr-3355	261	15	the	the	DET
fsr-3355	261	16	observed	observed	ADJ
fsr-3355	261	17	differences	difference	NOUN
fsr-3355	261	18	in	in	ADP
fsr-3355	261	19	respondents	respondent	NOUN
fsr-3355	261	20	’	'	PUNCT
fsr-3355	261	21	characteristics	characteristic	NOUN
fsr-3355	261	22	explained	explain	VERB
fsr-3355	261	23	approximately	approximately	ADV
fsr-3355	261	24	110	110	NUM
fsr-3355	261	25	%	%	NOUN
fsr-3355	261	26	of	of	ADP
fsr-3355	261	27	the	the	DET
fsr-3355	261	28	difference	difference	NOUN
fsr-3355	261	29	.	.	PUNCT
fsr-3355	262	1	if	if	SCONJ
fsr-3355	262	2	white	white	ADJ
fsr-3355	262	3	respondents	respondent	NOUN
fsr-3355	262	4	had	have	VERB
fsr-3355	262	5	the	the	DET
fsr-3355	262	6	same	same	ADJ
fsr-3355	262	7	characteristics	characteristic	NOUN
fsr-3355	262	8	as	as	ADP
fsr-3355	262	9	black	black	ADJ
fsr-3355	262	10	respondents	respondent	NOUN
fsr-3355	262	11	,	,	PUNCT
fsr-3355	262	12	their	their	PRON
fsr-3355	262	13	probability	probability	NOUN
fsr-3355	262	14	of	of	ADP
fsr-3355	262	15	seeking	seek	VERB
fsr-3355	262	16	financial	financial	ADJ
fsr-3355	262	17	advice	advice	NOUN
fsr-3355	262	18	for	for	ADP
fsr-3355	262	19	saving	saving	NOUN
fsr-3355	262	20	and	and	CCONJ
fsr-3355	262	21	investment	investment	NOUN
fsr-3355	262	22	decisions	decision	NOUN
fsr-3355	262	23	would	would	AUX
fsr-3355	262	24	be	be	AUX
fsr-3355	262	25	lower	low	ADJ
fsr-3355	262	26	than	than	ADP
fsr-3355	262	27	that	that	PRON
fsr-3355	262	28	of	of	ADP
fsr-3355	262	29	black	black	ADJ
fsr-3355	262	30	respondents	respondent	NOUN
fsr-3355	262	31	.	.	PUNCT
fsr-3355	263	1	because	because	SCONJ
fsr-3355	263	2	the	the	DET
fsr-3355	263	3	total	total	ADJ
fsr-3355	263	4	difference	difference	NOUN
fsr-3355	263	5	is	be	AUX
fsr-3355	263	6	greater	great	ADJ
fsr-3355	263	7	than	than	ADP
fsr-3355	263	8	100	100	NUM
fsr-3355	263	9	%	%	NOUN
fsr-3355	263	10	,	,	PUNCT
fsr-3355	263	11	this	this	PRON
fsr-3355	263	12	indicates	indicate	VERB
fsr-3355	263	13	that	that	SCONJ
fsr-3355	263	14	the	the	DET
fsr-3355	263	15	qing	qing	NOUN
fsr-3355	263	16	&	&	CCONJ
fsr-3355	263	17	reiter	reiter	PROPN
fsr-3355	263	18	39	39	NUM
fsr-3355	263	19	unexplained	unexplained	ADJ
fsr-3355	263	20	difference	difference	NOUN
fsr-3355	263	21	is	be	AUX
fsr-3355	263	22	having	have	VERB
fsr-3355	263	23	a	a	DET
fsr-3355	263	24	negative	negative	ADJ
fsr-3355	263	25	effect	effect	NOUN
fsr-3355	263	26	on	on	ADP
fsr-3355	263	27	the	the	DET
fsr-3355	263	28	propensity	propensity	NOUN
fsr-3355	263	29	to	to	PART
fsr-3355	263	30	use	use	VERB
fsr-3355	263	31	financial	financial	ADJ
fsr-3355	263	32	planners	planner	NOUN
fsr-3355	263	33	.	.	PUNCT
fsr-3355	264	1	income	income	NOUN
fsr-3355	264	2	accounted	account	VERB
fsr-3355	264	3	for	for	ADP
fsr-3355	264	4	23.7	23.7	NUM
fsr-3355	264	5	%	%	NOUN
fsr-3355	264	6	of	of	ADP
fsr-3355	264	7	the	the	DET
fsr-3355	264	8	racial	racial	ADJ
fsr-3355	264	9	/	/	SYM
fsr-3355	264	10	ethnic	ethnic	ADJ
fsr-3355	264	11	gap	gap	NOUN
fsr-3355	264	12	,	,	PUNCT
fsr-3355	264	13	followed	follow	VERB
fsr-3355	264	14	by	by	ADP
fsr-3355	264	15	20.2	20.2	NUM
fsr-3355	264	16	%	%	NOUN
fsr-3355	264	17	for	for	ADP
fsr-3355	264	18	net	net	ADJ
fsr-3355	264	19	worth	worth	NOUN
fsr-3355	264	20	and	and	CCONJ
fsr-3355	264	21	19.3	19.3	NUM
fsr-3355	264	22	%	%	NOUN
fsr-3355	264	23	for	for	ADP
fsr-3355	264	24	risk	risk	NOUN
fsr-3355	264	25	tolerance	tolerance	NOUN
fsr-3355	264	26	.	.	PUNCT
fsr-3355	265	1	negative	negative	ADJ
fsr-3355	265	2	percentages	percentage	NOUN
fsr-3355	265	3	indicate	indicate	VERB
fsr-3355	265	4	a	a	DET
fsr-3355	265	5	narrowing	narrow	VERB
fsr-3355	265	6	effect	effect	NOUN
fsr-3355	265	7	of	of	ADP
fsr-3355	265	8	that	that	DET
fsr-3355	265	9	factor	factor	NOUN
fsr-3355	265	10	on	on	ADP
fsr-3355	265	11	the	the	DET
fsr-3355	265	12	racial	racial	ADJ
fsr-3355	265	13	/	/	SYM
fsr-3355	265	14	ethnic	ethnic	ADJ
fsr-3355	265	15	gap	gap	NOUN
fsr-3355	265	16	in	in	ADP
fsr-3355	265	17	financial	financial	ADJ
fsr-3355	265	18	planner	planner	NOUN
fsr-3355	265	19	use	use	NOUN
fsr-3355	265	20	.	.	PUNCT
fsr-3355	266	1	gender	gender	NOUN
fsr-3355	266	2	contributed	contribute	VERB
fsr-3355	266	3	to	to	ADP
fsr-3355	266	4	narrowing	narrow	VERB
fsr-3355	266	5	the	the	DET
fsr-3355	266	6	racial	racial	ADJ
fsr-3355	266	7	gap	gap	NOUN
fsr-3355	266	8	by	by	ADP
fsr-3355	266	9	10.86	10.86	NUM
fsr-3355	266	10	%	%	NOUN
fsr-3355	266	11	between	between	ADP
fsr-3355	266	12	black	black	ADJ
fsr-3355	266	13	and	and	CCONJ
fsr-3355	266	14	white	white	ADJ
fsr-3355	266	15	respondents	respondent	NOUN
fsr-3355	266	16	.	.	PUNCT
fsr-3355	267	1	as	as	ADP
fsr-3355	267	2	such	such	ADJ
fsr-3355	267	3	,	,	PUNCT
fsr-3355	267	4	this	this	PRON
fsr-3355	267	5	means	mean	VERB
fsr-3355	267	6	that	that	SCONJ
fsr-3355	267	7	gender	gender	NOUN
fsr-3355	267	8	narrows	narrow	VERB
fsr-3355	267	9	the	the	DET
fsr-3355	267	10	gap	gap	NOUN
fsr-3355	267	11	in	in	ADP
fsr-3355	267	12	financial	financial	ADJ
fsr-3355	267	13	planner	planner	NOUN
fsr-3355	267	14	use	use	NOUN
fsr-3355	267	15	between	between	ADP
fsr-3355	267	16	black	black	ADJ
fsr-3355	267	17	and	and	CCONJ
fsr-3355	267	18	white	white	ADJ
fsr-3355	267	19	consumers	consumer	NOUN
fsr-3355	267	20	.	.	PUNCT
fsr-3355	268	1	table	table	NOUN
fsr-3355	268	2	4	4	NUM
fsr-3355	268	3	.	.	PUNCT
fsr-3355	269	1	decomposition	decomposition	NOUN
fsr-3355	269	2	analysis	analysis	NOUN
fsr-3355	269	3	of	of	ADP
fsr-3355	269	4	financial	financial	ADJ
fsr-3355	269	5	planner	planner	NOUN
fsr-3355	269	6	use	use	NOUN
fsr-3355	269	7	(	(	PUNCT
fsr-3355	269	8	1	1	X
fsr-3355	269	9	)	)	PUNCT
fsr-3355	269	10	black	black	ADJ
fsr-3355	269	11	vs.	vs.	X
fsr-3355	269	12	white	white	ADJ
fsr-3355	269	13	(	(	PUNCT
fsr-3355	269	14	2	2	NUM
fsr-3355	269	15	)	)	PUNCT
fsr-3355	269	16	black	black	NOUN
fsr-3355	269	17	vs.	vs.	X
fsr-3355	269	18	hispanic	hispanic	ADJ
fsr-3355	269	19	(	(	PUNCT
fsr-3355	269	20	3	3	X
fsr-3355	269	21	)	)	PUNCT
fsr-3355	269	22	black	black	NOUN
fsr-3355	269	23	vs.	vs.	X
fsr-3355	269	24	asian	asian	ADJ
fsr-3355	269	25	/	/	SYM
fsr-3355	269	26	other	other	ADJ
fsr-3355	269	27	variables	variable	NOUN
fsr-3355	269	28	contribution	contribution	NOUN
fsr-3355	269	29	to	to	ADP
fsr-3355	269	30	difference	difference	NOUN
fsr-3355	269	31	percent	percent	NOUN
fsr-3355	269	32	of	of	ADP
fsr-3355	269	33	explained	explain	VERB
fsr-3355	269	34	difference	difference	NOUN
fsr-3355	269	35	contribution	contribution	NOUN
fsr-3355	269	36	to	to	ADP
fsr-3355	269	37	difference	difference	NOUN
fsr-3355	269	38	percent	percent	NOUN
fsr-3355	269	39	of	of	ADP
fsr-3355	269	40	explained	explain	VERB
fsr-3355	269	41	difference	difference	NOUN
fsr-3355	269	42	contribution	contribution	NOUN
fsr-3355	269	43	to	to	ADP
fsr-3355	269	44	difference	difference	NOUN
fsr-3355	269	45	percent	percent	NOUN
fsr-3355	269	46	of	of	ADP
fsr-3355	269	47	explained	explain	VERB
fsr-3355	269	48	difference	difference	NOUN
fsr-3355	269	49	female	female	NOUN
fsr-3355	269	50	-0.0167	-0.0167	ADJ
fsr-3355	269	51	*	*	PUNCT
fsr-3355	269	52	*	*	PUNCT
fsr-3355	269	53	*	*	PUNCT
fsr-3355	269	54	-10.86	-10.86	NOUN
fsr-3355	269	55	%	%	NOUN
fsr-3355	269	56	0.0018	0.0018	NUM
fsr-3355	269	57	*	*	PUNCT
fsr-3355	269	58	*	*	PUNCT
fsr-3355	270	1	*	*	X
fsr-3355	270	2	13.21	13.21	NUM
fsr-3355	270	3	%	%	NOUN
fsr-3355	270	4	-0.0082	-0.0082	PUNCT
fsr-3355	271	1	-11.46	-11.46	PUNCT
fsr-3355	271	2	%	%	NOUN
fsr-3355	271	3	age	age	NOUN
fsr-3355	271	4	0.0077	0.0077	NUM
fsr-3355	271	5	*	*	PUNCT
fsr-3355	271	6	*	*	PUNCT
fsr-3355	271	7	*	*	PUNCT
fsr-3355	271	8	5.01	5.01	NUM
fsr-3355	271	9	%	%	NOUN
fsr-3355	271	10	-0.0016	-0.0016	PUNCT
fsr-3355	272	1	-11.85	-11.85	NUM
fsr-3355	272	2	%	%	NOUN
fsr-3355	272	3	-0.0018	-0.0018	VERB
fsr-3355	272	4	-2.50	-2.50	NUM
fsr-3355	272	5	%	%	NOUN
fsr-3355	272	6	marital	marital	ADJ
fsr-3355	272	7	status	status	NOUN
fsr-3355	272	8	-0.0029	-0.0029	PROPN
fsr-3355	272	9	-1.92	-1.92	NUM
fsr-3355	272	10	%	%	NOUN
fsr-3355	272	11	-0.0069	-0.0069	NOUN
fsr-3355	272	12	*	*	PUNCT
fsr-3355	273	1	-51.12	-51.12	NOUN
fsr-3355	273	2	%	%	NOUN
fsr-3355	273	3	-0.0441	-0.0441	NOUN
fsr-3355	273	4	*	*	PUNCT
fsr-3355	273	5	*	*	PUNCT
fsr-3355	273	6	*	*	PUNCT
fsr-3355	273	7	-61.73	-61.73	NOUN
fsr-3355	273	8	%	%	NOUN
fsr-3355	273	9	income	income	NOUN
fsr-3355	273	10	0.0365	0.0365	NUM
fsr-3355	273	11	*	*	PUNCT
fsr-3355	273	12	*	*	PUNCT
fsr-3355	273	13	*	*	PUNCT
fsr-3355	273	14	23.71	23.71	NUM
fsr-3355	273	15	%	%	NOUN
fsr-3355	273	16	-0.0046	-0.0046	NOUN
fsr-3355	273	17	*	*	PUNCT
fsr-3355	273	18	*	*	PUNCT
fsr-3355	273	19	*	*	PUNCT
fsr-3355	274	1	-34.09	-34.09	INTJ
fsr-3355	274	2	%	%	NOUN
fsr-3355	274	3	0.0359	0.0359	PUNCT
fsr-3355	274	4	*	*	PUNCT
fsr-3355	274	5	*	*	PUNCT
fsr-3355	275	1	*	*	PUNCT
fsr-3355	275	2	50.29	50.29	NUM
fsr-3355	275	3	%	%	NOUN
fsr-3355	275	4	net	net	NOUN
fsr-3355	275	5	worth	worth	ADJ
fsr-3355	275	6	0.0310	0.0310	NUM
fsr-3355	275	7	*	*	PUNCT
fsr-3355	275	8	*	*	PUNCT
fsr-3355	275	9	*	*	X
fsr-3355	275	10	20.15	20.15	NUM
fsr-3355	275	11	%	%	NOUN
fsr-3355	275	12	-0.00001	-0.00001	NOUN
fsr-3355	276	1	-0.09	-0.09	NUM
fsr-3355	276	2	%	%	NOUN
fsr-3355	276	3	0.0102	0.0102	NUM
fsr-3355	276	4	14.27	14.27	NUM
fsr-3355	276	5	%	%	NOUN
fsr-3355	276	6	risk	risk	NOUN
fsr-3355	276	7	tolerance	tolerance	NOUN
fsr-3355	276	8	0.0297	0.0297	NUM
fsr-3355	276	9	*	*	PUNCT
fsr-3355	276	10	*	*	PUNCT
fsr-3355	276	11	*	*	PUNCT
fsr-3355	276	12	19.29	19.29	NUM
fsr-3355	276	13	%	%	NOUN
fsr-3355	276	14	0.0075	0.0075	NUM
fsr-3355	276	15	*	*	PUNCT
fsr-3355	276	16	*	*	PUNCT
fsr-3355	276	17	*	*	PUNCT
fsr-3355	276	18	55.49	55.49	NUM
fsr-3355	276	19	%	%	NOUN
fsr-3355	276	20	0.0251	0.0251	NUM
fsr-3355	276	21	*	*	PUNCT
fsr-3355	276	22	*	*	PUNCT
fsr-3355	276	23	*	*	PUNCT
fsr-3355	276	24	35.13	35.13	NUM
fsr-3355	276	25	%	%	NOUN
fsr-3355	276	26	investment	investment	NOUN
fsr-3355	276	27	horizon	horizon	NOUN
fsr-3355	276	28	0.0152	0.0152	NUM
fsr-3355	276	29	*	*	PUNCT
fsr-3355	276	30	*	*	PUNCT
fsr-3355	276	31	*	*	PUNCT
fsr-3355	276	32	9.88	9.88	NUM
fsr-3355	276	33	%	%	NOUN
fsr-3355	276	34	0.0006	0.0006	NUM
fsr-3355	276	35	4.79	4.79	NUM
fsr-3355	276	36	%	%	NOUN
fsr-3355	276	37	-0.0002	-0.0002	NOUN
fsr-3355	276	38	-0.21	-0.21	ADJ
fsr-3355	276	39	%	%	NOUN
fsr-3355	276	40	subjective	subjective	ADJ
fsr-3355	276	41	financial	financial	ADJ
fsr-3355	276	42	knowledge	knowledge	NOUN
fsr-3355	276	43	-0.0005	-0.0005	X
fsr-3355	276	44	-0.35	-0.35	NUM
fsr-3355	276	45	%	%	NOUN
fsr-3355	276	46	0.0034	0.0034	NUM
fsr-3355	276	47	*	*	NOUN
fsr-3355	276	48	*	*	PUNCT
fsr-3355	276	49	*	*	PUNCT
fsr-3355	276	50	25.60	25.60	NUM
fsr-3355	276	51	%	%	NOUN
fsr-3355	276	52	0.0017	0.0017	NUM
fsr-3355	276	53	*	*	NOUN
fsr-3355	276	54	*	*	PROPN
fsr-3355	276	55	2.41	2.41	NUM
fsr-3355	276	56	%	%	NOUN
fsr-3355	276	57	objective	objective	ADJ
fsr-3355	276	58	financial	financial	ADJ
fsr-3355	276	59	knowledge	knowledge	NOUN
fsr-3355	276	60	0.0218	0.0218	NUM
fsr-3355	276	61	*	*	PUNCT
fsr-3355	276	62	*	*	PUNCT
fsr-3355	276	63	*	*	PUNCT
fsr-3355	276	64	14.17	14.17	NUM
fsr-3355	276	65	%	%	NOUN
fsr-3355	276	66	0.00001	0.00001	NUM
fsr-3355	276	67	0.05	0.05	NUM
fsr-3355	276	68	%	%	NOUN
fsr-3355	276	69	0.0290	0.0290	NUM
fsr-3355	276	70	*	*	PUNCT
fsr-3355	276	71	*	*	PUNCT
fsr-3355	276	72	*	*	PUNCT
fsr-3355	276	73	40.63	40.63	NUM
fsr-3355	276	74	%	%	NOUN
fsr-3355	276	75	household	household	NOUN
fsr-3355	276	76	size	size	NOUN
fsr-3355	276	77	-0.0004	-0.0004	NOUN
fsr-3355	276	78	*	*	PUNCT
fsr-3355	276	79	*	*	PUNCT
fsr-3355	276	80	*	*	PUNCT
fsr-3355	276	81	-0.27	-0.27	NUM
fsr-3355	276	82	%	%	NOUN
fsr-3355	276	83	0.0108	0.0108	NUM
fsr-3355	276	84	*	*	PUNCT
fsr-3355	276	85	*	*	PUNCT
fsr-3355	276	86	*	*	PUNCT
fsr-3355	276	87	80.06	80.06	NUM
fsr-3355	276	88	%	%	NOUN
fsr-3355	276	89	0.0030	0.0030	NUM
fsr-3355	276	90	4.17	4.17	NUM
fsr-3355	276	91	%	%	NOUN
fsr-3355	276	92	education	education	NOUN
fsr-3355	276	93	0.0226	0.0226	PRON
fsr-3355	276	94	*	*	PUNCT
fsr-3355	276	95	*	*	PUNCT
fsr-3355	276	96	*	*	PUNCT
fsr-3355	276	97	14.70	14.70	NUM
fsr-3355	276	98	%	%	NOUN
fsr-3355	276	99	0.0061	0.0061	NUM
fsr-3355	276	100	*	*	PROPN
fsr-3355	276	101	*	*	PROPN
fsr-3355	276	102	44.93	44.93	NUM
fsr-3355	276	103	%	%	NOUN
fsr-3355	276	104	0.0023	0.0023	NUM
fsr-3355	276	105	3.20	3.20	NUM
fsr-3355	276	106	%	%	NOUN
fsr-3355	276	107	homeownership	homeownership	NOUN
fsr-3355	276	108	0.0072	0.0072	NUM
fsr-3355	276	109	*	*	PUNCT
fsr-3355	276	110	*	*	PUNCT
fsr-3355	276	111	*	*	PUNCT
fsr-3355	276	112	4.70	4.70	NUM
fsr-3355	276	113	%	%	NOUN
fsr-3355	276	114	-0.0010	-0.0010	NOUN
fsr-3355	276	115	*	*	PUNCT
fsr-3355	276	116	*	*	PUNCT
fsr-3355	276	117	-7.45	-7.45	NUM
fsr-3355	276	118	%	%	NOUN
fsr-3355	276	119	0.0173	0.0173	NUM
fsr-3355	276	120	*	*	PUNCT
fsr-3355	276	121	*	*	PROPN
fsr-3355	276	122	24.27	24.27	NUM
fsr-3355	276	123	%	%	NOUN
fsr-3355	276	124	employment	employment	NOUN
fsr-3355	276	125	-0.0002	-0.0002	NOUN
fsr-3355	276	126	*	*	PUNCT
fsr-3355	277	1	*	*	PUNCT
fsr-3355	277	2	-0.14	-0.14	NUM
fsr-3355	277	3	%	%	NOUN
fsr-3355	277	4	0.0010	0.0010	NUM
fsr-3355	277	5	7.31	7.31	NUM
fsr-3355	277	6	%	%	NOUN
fsr-3355	277	7	-0.0013	-0.0013	ADJ
fsr-3355	277	8	-1.76	-1.76	NUM
fsr-3355	277	9	%	%	NOUN
fsr-3355	277	10	emergency	emergency	NOUN
fsr-3355	277	11	access	access	NOUN
fsr-3355	277	12	0.0034	0.0034	NUM
fsr-3355	277	13	*	*	NOUN
fsr-3355	277	14	*	*	PROPN
fsr-3355	277	15	2.23	2.23	NUM
fsr-3355	277	16	%	%	NOUN
fsr-3355	277	17	-0.0036	-0.0036	NOUN
fsr-3355	277	18	*	*	PUNCT
fsr-3355	277	19	*	*	PUNCT
fsr-3355	277	20	*	*	PUNCT
fsr-3355	277	21	-27.06	-27.06	VERB
fsr-3355	277	22	%	%	NOUN
fsr-3355	277	23	0.0022	0.0022	NUM
fsr-3355	277	24	3.13	3.13	NUM
fsr-3355	277	25	%	%	NOUN
fsr-3355	277	26	total	total	ADJ
fsr-3355	277	27	difference	difference	NOUN
fsr-3355	277	28	0.1399	0.1399	NUM
fsr-3355	277	29	0.0493	0.0493	NUM
fsr-3355	277	30	0.0713	0.0713	NUM
fsr-3355	277	31	explained	explain	VERB
fsr-3355	277	32	difference	difference	NOUN
fsr-3355	277	33	0.1538	0.1538	NUM
fsr-3355	277	34	0.0135	0.0135	NUM
fsr-3355	277	35	0.0714	0.0714	NUM
fsr-3355	277	36	unexplained	unexplained	ADJ
fsr-3355	277	37	difference	difference	NOUN
fsr-3355	277	38	-0.0138	-0.0138	VERB
fsr-3355	277	39	0.0359	0.0359	NUM
fsr-3355	277	40	-0.00004	-0.00004	NOUN
fsr-3355	277	41	percent	percent	NOUN
fsr-3355	277	42	of	of	ADP
fsr-3355	277	43	explained	explain	VERB
fsr-3355	277	44	difference	difference	NOUN
fsr-3355	277	45	to	to	ADP
fsr-3355	277	46	total	total	ADJ
fsr-3355	277	47	difference	difference	NOUN
fsr-3355	277	48	110	110	NUM
fsr-3355	277	49	%	%	NOUN
fsr-3355	277	50	27	27	NUM
fsr-3355	277	51	%	%	NOUN
fsr-3355	277	52	100	100	NUM
fsr-3355	277	53	%	%	NOUN
fsr-3355	277	54	note	note	NOUN
fsr-3355	277	55	:	:	PUNCT
fsr-3355	277	56	*	*	PUNCT
fsr-3355	277	57	p<0.05	p<0.05	NOUN
fsr-3355	277	58	;	;	PUNCT
fsr-3355	277	59	*	*	PUNCT
fsr-3355	277	60	*	*	PUNCT
fsr-3355	277	61	p<0.01	p<0.01	PROPN
fsr-3355	277	62	;	;	PUNCT
fsr-3355	277	63	*	*	PUNCT
fsr-3355	277	64	*	*	PUNCT
fsr-3355	277	65	*	*	PUNCT
fsr-3355	277	66	p<0.001	p<0.001	ADJ
fsr-3355	277	67	;	;	PUNCT
fsr-3355	277	68	decomposition	decomposition	NOUN
fsr-3355	277	69	analysis	analysis	NOUN
fsr-3355	277	70	using	use	VERB
fsr-3355	277	71	2016	2016	NUM
fsr-3355	277	72	&	&	CCONJ
fsr-3355	277	73	2019	2019	NUM
fsr-3355	277	74	scf	scf	PROPN
fsr-3355	277	75	.	.	PUNCT
fsr-3355	278	1	the	the	DET
fsr-3355	278	2	reference	reference	NOUN
fsr-3355	278	3	group	group	NOUN
fsr-3355	278	4	is	be	AUX
fsr-3355	278	5	the	the	DET
fsr-3355	278	6	one	one	NOUN
fsr-3355	278	7	that	that	PRON
fsr-3355	278	8	has	have	VERB
fsr-3355	278	9	the	the	DET
fsr-3355	278	10	lower	low	ADJ
fsr-3355	278	11	rate	rate	NOUN
fsr-3355	278	12	of	of	ADP
fsr-3355	278	13	financial	financial	ADJ
fsr-3355	278	14	planner	planner	NOUN
fsr-3355	278	15	usage	usage	NOUN
fsr-3355	278	16	.	.	PUNCT
fsr-3355	279	1	financial	financial	ADJ
fsr-3355	279	2	services	service	NOUN
fsr-3355	279	3	review	review	PROPN
fsr-3355	279	4	,	,	PUNCT
fsr-3355	279	5	32(4	32(4	NUM
fsr-3355	279	6	)	)	PUNCT
fsr-3355	279	7	40	40	NUM
fsr-3355	279	8	specification	specification	NOUN
fsr-3355	279	9	2	2	NUM
fsr-3355	279	10	in	in	ADP
fsr-3355	279	11	table	table	NOUN
fsr-3355	279	12	4	4	NUM
fsr-3355	279	13	shows	show	VERB
fsr-3355	279	14	the	the	DET
fsr-3355	279	15	decomposition	decomposition	NOUN
fsr-3355	279	16	analysis	analysis	NOUN
fsr-3355	279	17	between	between	ADP
fsr-3355	279	18	black	black	ADJ
fsr-3355	279	19	and	and	CCONJ
fsr-3355	279	20	hispanic	hispanic	ADJ
fsr-3355	279	21	respondents	respondent	NOUN
fsr-3355	279	22	.	.	PUNCT
fsr-3355	280	1	the	the	DET
fsr-3355	280	2	probability	probability	NOUN
fsr-3355	280	3	of	of	ADP
fsr-3355	280	4	using	use	VERB
fsr-3355	280	5	a	a	DET
fsr-3355	280	6	financial	financial	ADJ
fsr-3355	280	7	planner	planner	NOUN
fsr-3355	280	8	between	between	ADP
fsr-3355	280	9	black	black	ADJ
fsr-3355	280	10	and	and	CCONJ
fsr-3355	280	11	hispanic	hispanic	ADJ
fsr-3355	280	12	respondents	respondent	NOUN
fsr-3355	280	13	was	be	AUX
fsr-3355	280	14	much	much	ADV
fsr-3355	280	15	smaller	small	ADJ
fsr-3355	280	16	than	than	ADP
fsr-3355	280	17	that	that	PRON
fsr-3355	280	18	of	of	ADP
fsr-3355	280	19	the	the	DET
fsr-3355	280	20	other	other	ADJ
fsr-3355	280	21	racial	racial	ADJ
fsr-3355	280	22	/	/	SYM
fsr-3355	280	23	ethnic	ethnic	ADJ
fsr-3355	280	24	groups	group	NOUN
fsr-3355	280	25	versus	versus	ADP
fsr-3355	280	26	black	black	ADJ
fsr-3355	280	27	respondents	respondent	NOUN
fsr-3355	280	28	.	.	PUNCT
fsr-3355	281	1	the	the	DET
fsr-3355	281	2	total	total	ADJ
fsr-3355	281	3	difference	difference	NOUN
fsr-3355	281	4	in	in	ADP
fsr-3355	281	5	the	the	DET
fsr-3355	281	6	predicted	predict	VERB
fsr-3355	281	7	mean	mean	ADJ
fsr-3355	281	8	likelihood	likelihood	NOUN
fsr-3355	281	9	of	of	ADP
fsr-3355	281	10	seeking	seek	VERB
fsr-3355	281	11	financial	financial	ADJ
fsr-3355	281	12	advice	advice	NOUN
fsr-3355	281	13	was	be	AUX
fsr-3355	281	14	estimated	estimate	VERB
fsr-3355	281	15	at	at	ADP
fsr-3355	281	16	0.0493	0.0493	NUM
fsr-3355	281	17	.	.	PUNCT
fsr-3355	282	1	however	however	ADV
fsr-3355	282	2	,	,	PUNCT
fsr-3355	282	3	the	the	DET
fsr-3355	282	4	characteristics	characteristic	NOUN
fsr-3355	282	5	of	of	ADP
fsr-3355	282	6	respondents	respondent	NOUN
fsr-3355	282	7	accounted	account	VERB
fsr-3355	282	8	for	for	ADP
fsr-3355	282	9	27	27	NUM
fsr-3355	282	10	%	%	NOUN
fsr-3355	282	11	of	of	ADP
fsr-3355	282	12	the	the	DET
fsr-3355	282	13	gap	gap	NOUN
fsr-3355	282	14	in	in	ADP
fsr-3355	282	15	the	the	DET
fsr-3355	282	16	rate	rate	NOUN
fsr-3355	282	17	of	of	ADP
fsr-3355	282	18	using	use	VERB
fsr-3355	282	19	financial	financial	ADJ
fsr-3355	282	20	planners	planner	NOUN
fsr-3355	282	21	between	between	ADP
fsr-3355	282	22	these	these	DET
fsr-3355	282	23	two	two	NUM
fsr-3355	282	24	groups	group	NOUN
fsr-3355	282	25	.	.	PUNCT
fsr-3355	283	1	if	if	SCONJ
fsr-3355	283	2	hispanic	hispanic	ADJ
fsr-3355	283	3	respondents	respondent	NOUN
fsr-3355	283	4	had	have	VERB
fsr-3355	283	5	the	the	DET
fsr-3355	283	6	same	same	ADJ
fsr-3355	283	7	characteristics	characteristic	NOUN
fsr-3355	283	8	as	as	ADP
fsr-3355	283	9	black	black	ADJ
fsr-3355	283	10	respondents	respondent	NOUN
fsr-3355	283	11	,	,	PUNCT
fsr-3355	283	12	the	the	DET
fsr-3355	283	13	probability	probability	NOUN
fsr-3355	283	14	of	of	ADP
fsr-3355	283	15	using	use	VERB
fsr-3355	283	16	a	a	DET
fsr-3355	283	17	financial	financial	ADJ
fsr-3355	283	18	planner	planner	NOUN
fsr-3355	283	19	when	when	SCONJ
fsr-3355	283	20	making	make	VERB
fsr-3355	283	21	decisions	decision	NOUN
fsr-3355	283	22	about	about	ADP
fsr-3355	283	23	saving	saving	NOUN
fsr-3355	283	24	and	and	CCONJ
fsr-3355	283	25	investments	investment	NOUN
fsr-3355	283	26	would	would	AUX
fsr-3355	283	27	be	be	AUX
fsr-3355	283	28	lower	low	ADJ
fsr-3355	283	29	than	than	ADP
fsr-3355	283	30	that	that	PRON
fsr-3355	283	31	of	of	ADP
fsr-3355	283	32	blacks	black	NOUN
fsr-3355	283	33	.	.	PUNCT
fsr-3355	284	1	household	household	NOUN
fsr-3355	284	2	size	size	NOUN
fsr-3355	284	3	(	(	PUNCT
fsr-3355	284	4	80.1	80.1	NUM
fsr-3355	284	5	%	%	NOUN
fsr-3355	284	6	)	)	PUNCT
fsr-3355	284	7	,	,	PUNCT
fsr-3355	284	8	risk	risk	NOUN
fsr-3355	284	9	tolerance	tolerance	NOUN
fsr-3355	284	10	(	(	PUNCT
fsr-3355	284	11	55.5	55.5	NUM
fsr-3355	284	12	%	%	NOUN
fsr-3355	284	13	)	)	PUNCT
fsr-3355	284	14	,	,	PUNCT
fsr-3355	284	15	and	and	CCONJ
fsr-3355	284	16	education	education	NOUN
fsr-3355	284	17	(	(	PUNCT
fsr-3355	284	18	44.9	44.9	NUM
fsr-3355	284	19	%	%	NOUN
fsr-3355	284	20	)	)	PUNCT
fsr-3355	284	21	were	be	AUX
fsr-3355	284	22	the	the	DET
fsr-3355	284	23	most	most	ADV
fsr-3355	284	24	important	important	ADJ
fsr-3355	284	25	factors	factor	NOUN
fsr-3355	284	26	.	.	PUNCT
fsr-3355	285	1	the	the	DET
fsr-3355	285	2	largest	large	ADJ
fsr-3355	285	3	contributors	contributor	NOUN
fsr-3355	285	4	to	to	ADP
fsr-3355	285	5	narrowing	narrow	VERB
fsr-3355	285	6	the	the	DET
fsr-3355	285	7	gap	gap	NOUN
fsr-3355	285	8	were	be	AUX
fsr-3355	285	9	marital	marital	ADJ
fsr-3355	285	10	status	status	NOUN
fsr-3355	285	11	(	(	PUNCT
fsr-3355	285	12	51.1	51.1	NUM
fsr-3355	285	13	%	%	NOUN
fsr-3355	285	14	)	)	PUNCT
fsr-3355	285	15	and	and	CCONJ
fsr-3355	285	16	income	income	NOUN
fsr-3355	285	17	(	(	PUNCT
fsr-3355	285	18	34.1	34.1	NUM
fsr-3355	285	19	%	%	NOUN
fsr-3355	285	20	)	)	PUNCT
fsr-3355	285	21	.	.	PUNCT
fsr-3355	286	1	the	the	DET
fsr-3355	286	2	results	result	NOUN
fsr-3355	286	3	imply	imply	VERB
fsr-3355	286	4	that	that	SCONJ
fsr-3355	286	5	,	,	PUNCT
fsr-3355	286	6	for	for	ADP
fsr-3355	286	7	instance	instance	NOUN
fsr-3355	286	8	,	,	PUNCT
fsr-3355	286	9	because	because	SCONJ
fsr-3355	286	10	hispanic	hispanic	ADJ
fsr-3355	286	11	respondents	respondent	NOUN
fsr-3355	286	12	had	have	VERB
fsr-3355	286	13	higher	high	ADJ
fsr-3355	286	14	income	income	NOUN
fsr-3355	286	15	levels	level	NOUN
fsr-3355	286	16	than	than	ADP
fsr-3355	286	17	blacks	black	NOUN
fsr-3355	286	18	,	,	PUNCT
fsr-3355	286	19	if	if	SCONJ
fsr-3355	286	20	they	they	PRON
fsr-3355	286	21	had	have	VERB
fsr-3355	286	22	the	the	DET
fsr-3355	286	23	same	same	ADJ
fsr-3355	286	24	level	level	NOUN
fsr-3355	286	25	of	of	ADP
fsr-3355	286	26	income	income	NOUN
fsr-3355	286	27	as	as	ADP
fsr-3355	286	28	black	black	ADJ
fsr-3355	286	29	respondents	respondent	NOUN
fsr-3355	286	30	,	,	PUNCT
fsr-3355	286	31	they	they	PRON
fsr-3355	286	32	would	would	AUX
fsr-3355	286	33	have	have	VERB
fsr-3355	286	34	a	a	DET
fsr-3355	286	35	lower	low	ADJ
fsr-3355	286	36	probability	probability	NOUN
fsr-3355	286	37	of	of	ADP
fsr-3355	286	38	using	use	VERB
fsr-3355	286	39	a	a	DET
fsr-3355	286	40	financial	financial	ADJ
fsr-3355	286	41	planner	planner	NOUN
fsr-3355	286	42	.	.	PUNCT
fsr-3355	287	1	specification	specification	NOUN
fsr-3355	287	2	3	3	NUM
fsr-3355	287	3	in	in	ADP
fsr-3355	287	4	table	table	NOUN
fsr-3355	287	5	4	4	NUM
fsr-3355	287	6	shows	show	VERB
fsr-3355	287	7	the	the	DET
fsr-3355	287	8	contribution	contribution	NOUN
fsr-3355	287	9	of	of	ADP
fsr-3355	287	10	each	each	DET
fsr-3355	287	11	characteristic	characteristic	NOUN
fsr-3355	287	12	of	of	ADP
fsr-3355	287	13	households	household	NOUN
fsr-3355	287	14	to	to	ADP
fsr-3355	287	15	the	the	DET
fsr-3355	287	16	racial	racial	ADJ
fsr-3355	287	17	/	/	SYM
fsr-3355	287	18	ethnic	ethnic	ADJ
fsr-3355	287	19	difference	difference	NOUN
fsr-3355	287	20	financial	financial	ADJ
fsr-3355	287	21	advisor	advisor	NOUN
fsr-3355	287	22	use	use	NOUN
fsr-3355	287	23	between	between	ADP
fsr-3355	287	24	black	black	ADJ
fsr-3355	287	25	and	and	CCONJ
fsr-3355	287	26	asian	asian	ADJ
fsr-3355	287	27	/	/	SYM
fsr-3355	287	28	other	other	ADJ
fsr-3355	287	29	respondents	respondent	NOUN
fsr-3355	287	30	;	;	PUNCT
fsr-3355	287	31	the	the	DET
fsr-3355	287	32	total	total	ADJ
fsr-3355	287	33	difference	difference	NOUN
fsr-3355	287	34	was	be	AUX
fsr-3355	287	35	0.0713	0.0713	NUM
fsr-3355	287	36	based	base	VERB
fsr-3355	287	37	on	on	ADP
fsr-3355	287	38	the	the	DET
fsr-3355	287	39	mean	mean	ADJ
fsr-3355	287	40	predictions	prediction	NOUN
fsr-3355	287	41	of	of	ADP
fsr-3355	287	42	each	each	DET
fsr-3355	287	43	group	group	NOUN
fsr-3355	287	44	.	.	PUNCT
fsr-3355	288	1	the	the	DET
fsr-3355	288	2	explained	explain	VERB
fsr-3355	288	3	difference	difference	NOUN
fsr-3355	288	4	to	to	ADP
fsr-3355	288	5	the	the	DET
fsr-3355	288	6	total	total	ADJ
fsr-3355	288	7	difference	difference	NOUN
fsr-3355	288	8	was	be	AUX
fsr-3355	288	9	100	100	NUM
fsr-3355	288	10	%	%	NOUN
fsr-3355	288	11	.	.	PUNCT
fsr-3355	289	1	that	that	PRON
fsr-3355	289	2	is	be	AUX
fsr-3355	289	3	,	,	PUNCT
fsr-3355	289	4	if	if	SCONJ
fsr-3355	289	5	black	black	ADJ
fsr-3355	289	6	respondents	respondent	NOUN
fsr-3355	289	7	had	have	VERB
fsr-3355	289	8	the	the	DET
fsr-3355	289	9	same	same	ADJ
fsr-3355	289	10	respondent	respondent	NOUN
fsr-3355	289	11	characteristics	characteristic	NOUN
fsr-3355	289	12	as	as	ADP
fsr-3355	289	13	asian	asian	ADJ
fsr-3355	289	14	/	/	SYM
fsr-3355	289	15	other	other	ADJ
fsr-3355	289	16	respondents	respondent	NOUN
fsr-3355	289	17	,	,	PUNCT
fsr-3355	289	18	the	the	DET
fsr-3355	289	19	probability	probability	NOUN
fsr-3355	289	20	of	of	ADP
fsr-3355	289	21	using	use	VERB
fsr-3355	289	22	financial	financial	ADJ
fsr-3355	289	23	planners	planner	NOUN
fsr-3355	289	24	to	to	PART
fsr-3355	289	25	make	make	VERB
fsr-3355	289	26	saving	saving	NOUN
fsr-3355	289	27	and	and	CCONJ
fsr-3355	289	28	investment	investment	NOUN
fsr-3355	289	29	decisions	decision	NOUN
fsr-3355	289	30	would	would	AUX
fsr-3355	289	31	be	be	AUX
fsr-3355	289	32	similar	similar	ADJ
fsr-3355	289	33	.	.	PUNCT
fsr-3355	290	1	the	the	DET
fsr-3355	290	2	most	most	ADV
fsr-3355	290	3	important	important	ADJ
fsr-3355	290	4	factor	factor	NOUN
fsr-3355	290	5	was	be	AUX
fsr-3355	290	6	income	income	NOUN
fsr-3355	290	7	,	,	PUNCT
fsr-3355	290	8	which	which	PRON
fsr-3355	290	9	contributed	contribute	VERB
fsr-3355	290	10	to	to	ADP
fsr-3355	290	11	the	the	DET
fsr-3355	290	12	racial	racial	ADJ
fsr-3355	290	13	/	/	SYM
fsr-3355	290	14	ethnic	ethnic	ADJ
fsr-3355	290	15	gap	gap	NOUN
fsr-3355	290	16	by	by	ADP
fsr-3355	290	17	50.29	50.29	NUM
fsr-3355	290	18	%	%	NOUN
fsr-3355	290	19	.	.	PUNCT
fsr-3355	291	1	objective	objective	ADJ
fsr-3355	291	2	financial	financial	ADJ
fsr-3355	291	3	knowledge	knowledge	NOUN
fsr-3355	291	4	contributed	contribute	VERB
fsr-3355	291	5	40.63	40.63	NUM
fsr-3355	291	6	%	%	NOUN
fsr-3355	291	7	to	to	ADP
fsr-3355	291	8	the	the	DET
fsr-3355	291	9	gap	gap	NOUN
fsr-3355	291	10	.	.	PUNCT
fsr-3355	292	1	in	in	ADP
fsr-3355	292	2	addition	addition	NOUN
fsr-3355	292	3	,	,	PUNCT
fsr-3355	292	4	marital	marital	ADJ
fsr-3355	292	5	status	status	NOUN
fsr-3355	292	6	contributed	contribute	VERB
fsr-3355	292	7	to	to	ADP
fsr-3355	292	8	narrowing	narrow	VERB
fsr-3355	292	9	the	the	DET
fsr-3355	292	10	financial	financial	ADJ
fsr-3355	292	11	advisor	advisor	NOUN
fsr-3355	292	12	use	use	NOUN
fsr-3355	292	13	gap	gap	NOUN
fsr-3355	292	14	by	by	ADP
fsr-3355	292	15	61.73	61.73	NUM
fsr-3355	292	16	%	%	NOUN
fsr-3355	292	17	,	,	PUNCT
fsr-3355	292	18	which	which	PRON
fsr-3355	292	19	indicates	indicate	VERB
fsr-3355	292	20	that	that	SCONJ
fsr-3355	292	21	if	if	SCONJ
fsr-3355	292	22	black	black	ADJ
fsr-3355	292	23	respondents	respondent	NOUN
fsr-3355	292	24	had	have	VERB
fsr-3355	292	25	the	the	DET
fsr-3355	292	26	same	same	ADJ
fsr-3355	292	27	marital	marital	ADJ
fsr-3355	292	28	status	status	NOUN
fsr-3355	292	29	as	as	ADP
fsr-3355	292	30	asian	asian	ADJ
fsr-3355	292	31	/	/	SYM
fsr-3355	292	32	other	other	ADJ
fsr-3355	292	33	respondents	respondent	NOUN
fsr-3355	292	34	,	,	PUNCT
fsr-3355	292	35	they	they	PRON
fsr-3355	292	36	would	would	AUX
fsr-3355	292	37	have	have	VERB
fsr-3355	292	38	a	a	DET
fsr-3355	292	39	lower	low	ADJ
fsr-3355	292	40	probability	probability	NOUN
fsr-3355	292	41	of	of	ADP
fsr-3355	292	42	using	use	VERB
fsr-3355	292	43	a	a	DET
fsr-3355	292	44	financial	financial	ADJ
fsr-3355	292	45	planner	planner	NOUN
fsr-3355	292	46	.	.	PUNCT
fsr-3355	293	1	table	table	NOUN
fsr-3355	293	2	5	5	NUM
fsr-3355	293	3	represents	represent	VERB
fsr-3355	293	4	the	the	DET
fsr-3355	293	5	decomposition	decomposition	NOUN
fsr-3355	293	6	analyses	analysis	NOUN
fsr-3355	293	7	comparing	compare	VERB
fsr-3355	293	8	three	three	NUM
fsr-3355	293	9	pairwise	pairwise	NOUN
fsr-3355	293	10	groups	group	NOUN
fsr-3355	293	11	:	:	PUNCT
fsr-3355	293	12	(	(	PUNCT
fsr-3355	293	13	1	1	X
fsr-3355	293	14	)	)	PUNCT
fsr-3355	293	15	whitehispanic	whitehispanic	ADJ
fsr-3355	293	16	,	,	PUNCT
fsr-3355	293	17	(	(	PUNCT
fsr-3355	293	18	2	2	X
fsr-3355	293	19	)	)	PUNCT
fsr-3355	293	20	white	white	ADJ
fsr-3355	293	21	-	-	PUNCT
fsr-3355	293	22	asian	asian	ADJ
fsr-3355	293	23	/	/	SYM
fsr-3355	293	24	other	other	ADJ
fsr-3355	293	25	,	,	PUNCT
fsr-3355	293	26	and	and	CCONJ
fsr-3355	293	27	(	(	PUNCT
fsr-3355	293	28	3	3	X
fsr-3355	293	29	)	)	PUNCT
fsr-3355	293	30	asian	asian	ADJ
fsr-3355	293	31	/	/	SYM
fsr-3355	293	32	other	other	ADJ
fsr-3355	293	33	-	-	PUNCT
fsr-3355	293	34	hispanic	hispanic	ADJ
fsr-3355	293	35	.	.	PUNCT
fsr-3355	294	1	specification	specification	NOUN
fsr-3355	294	2	1	1	NUM
fsr-3355	294	3	of	of	ADP
fsr-3355	294	4	table	table	NOUN
fsr-3355	294	5	5	5	NUM
fsr-3355	294	6	shows	show	VERB
fsr-3355	294	7	the	the	DET
fsr-3355	294	8	decomposition	decomposition	NOUN
fsr-3355	294	9	estimation	estimation	NOUN
fsr-3355	294	10	between	between	ADP
fsr-3355	294	11	white	white	ADJ
fsr-3355	294	12	and	and	CCONJ
fsr-3355	294	13	hispanic	hispanic	ADJ
fsr-3355	294	14	respondents	respondent	NOUN
fsr-3355	294	15	.	.	PUNCT
fsr-3355	295	1	the	the	DET
fsr-3355	295	2	total	total	ADJ
fsr-3355	295	3	difference	difference	NOUN
fsr-3355	295	4	in	in	ADP
fsr-3355	295	5	using	use	VERB
fsr-3355	295	6	financial	financial	ADJ
fsr-3355	295	7	planners	planner	NOUN
fsr-3355	295	8	when	when	SCONJ
fsr-3355	295	9	making	make	VERB
fsr-3355	295	10	decisions	decision	NOUN
fsr-3355	295	11	about	about	ADP
fsr-3355	295	12	saving	saving	NOUN
fsr-3355	295	13	and	and	CCONJ
fsr-3355	295	14	investments	investment	NOUN
fsr-3355	295	15	between	between	ADP
fsr-3355	295	16	these	these	DET
fsr-3355	295	17	two	two	NUM
fsr-3355	295	18	groups	group	NOUN
fsr-3355	295	19	was	be	AUX
fsr-3355	295	20	0.1892	0.1892	NUM
fsr-3355	295	21	based	base	VERB
fsr-3355	295	22	on	on	ADP
fsr-3355	295	23	the	the	DET
fsr-3355	295	24	mean	mean	ADJ
fsr-3355	295	25	predictions	prediction	NOUN
fsr-3355	295	26	of	of	ADP
fsr-3355	295	27	each	each	DET
fsr-3355	295	28	group	group	NOUN
fsr-3355	295	29	.	.	PUNCT
fsr-3355	296	1	the	the	DET
fsr-3355	296	2	explained	explain	VERB
fsr-3355	296	3	difference	difference	NOUN
fsr-3355	296	4	to	to	ADP
fsr-3355	296	5	total	total	ADJ
fsr-3355	296	6	difference	difference	NOUN
fsr-3355	296	7	was	be	AUX
fsr-3355	296	8	92	92	NUM
fsr-3355	296	9	%	%	NOUN
fsr-3355	296	10	,	,	PUNCT
fsr-3355	296	11	which	which	PRON
fsr-3355	296	12	indicates	indicate	VERB
fsr-3355	296	13	that	that	SCONJ
fsr-3355	296	14	respondents	respondent	NOUN
fsr-3355	296	15	’	'	PUNCT
fsr-3355	296	16	characteristics	characteristic	NOUN
fsr-3355	296	17	accounted	account	VERB
fsr-3355	296	18	for	for	ADP
fsr-3355	296	19	92	92	NUM
fsr-3355	296	20	%	%	NOUN
fsr-3355	296	21	of	of	ADP
fsr-3355	296	22	the	the	DET
fsr-3355	296	23	gap	gap	NOUN
fsr-3355	296	24	in	in	ADP
fsr-3355	296	25	using	use	VERB
fsr-3355	296	26	financial	financial	ADJ
fsr-3355	296	27	advisors	advisor	NOUN
fsr-3355	296	28	.	.	PUNCT
fsr-3355	297	1	if	if	SCONJ
fsr-3355	297	2	hispanic	hispanic	ADJ
fsr-3355	297	3	respondents	respondent	NOUN
fsr-3355	297	4	had	have	VERB
fsr-3355	297	5	the	the	DET
fsr-3355	297	6	same	same	ADJ
fsr-3355	297	7	characteristics	characteristic	NOUN
fsr-3355	297	8	as	as	ADP
fsr-3355	297	9	white	white	ADJ
fsr-3355	297	10	respondents	respondent	NOUN
fsr-3355	297	11	,	,	PUNCT
fsr-3355	297	12	the	the	DET
fsr-3355	297	13	probability	probability	NOUN
fsr-3355	297	14	of	of	ADP
fsr-3355	297	15	using	use	VERB
fsr-3355	297	16	financial	financial	ADJ
fsr-3355	297	17	planners	planner	NOUN
fsr-3355	297	18	would	would	AUX
fsr-3355	297	19	be	be	AUX
fsr-3355	297	20	lower	low	ADJ
fsr-3355	297	21	.	.	PUNCT
fsr-3355	298	1	in	in	ADP
fsr-3355	298	2	addition	addition	NOUN
fsr-3355	298	3	,	,	PUNCT
fsr-3355	298	4	the	the	DET
fsr-3355	298	5	results	result	NOUN
fsr-3355	298	6	suggest	suggest	VERB
fsr-3355	298	7	that	that	SCONJ
fsr-3355	298	8	most	most	ADJ
fsr-3355	298	9	of	of	ADP
fsr-3355	298	10	the	the	DET
fsr-3355	298	11	racial	racial	ADJ
fsr-3355	298	12	/	/	SYM
fsr-3355	298	13	ethnic	ethnic	ADJ
fsr-3355	298	14	gap	gap	NOUN
fsr-3355	298	15	in	in	ADP
fsr-3355	298	16	having	have	VERB
fsr-3355	298	17	financial	financial	ADJ
fsr-3355	298	18	planners	planner	NOUN
fsr-3355	298	19	when	when	SCONJ
fsr-3355	298	20	making	make	VERB
fsr-3355	298	21	decisions	decision	NOUN
fsr-3355	298	22	about	about	ADP
fsr-3355	298	23	saving	saving	NOUN
fsr-3355	298	24	and	and	CCONJ
fsr-3355	298	25	investments	investment	NOUN
fsr-3355	298	26	between	between	ADP
fsr-3355	298	27	white	white	ADJ
fsr-3355	298	28	and	and	CCONJ
fsr-3355	298	29	hispanic	hispanic	ADJ
fsr-3355	298	30	respondents	respondent	NOUN
fsr-3355	298	31	was	be	AUX
fsr-3355	298	32	determined	determine	VERB
fsr-3355	298	33	by	by	ADP
fsr-3355	298	34	the	the	DET
fsr-3355	298	35	difference	difference	NOUN
fsr-3355	298	36	in	in	ADP
fsr-3355	298	37	characteristics	characteristic	NOUN
fsr-3355	298	38	of	of	ADP
fsr-3355	298	39	respondents	respondent	NOUN
fsr-3355	298	40	in	in	ADP
fsr-3355	298	41	racial	racial	ADJ
fsr-3355	298	42	/	/	SYM
fsr-3355	298	43	ethnic	ethnic	ADJ
fsr-3355	298	44	groups	group	NOUN
fsr-3355	298	45	,	,	PUNCT
fsr-3355	298	46	not	not	PART
fsr-3355	298	47	by	by	ADP
fsr-3355	298	48	racial	racial	ADJ
fsr-3355	298	49	/	/	SYM
fsr-3355	298	50	ethnicity	ethnicity	NOUN
fsr-3355	298	51	itself	itself	PRON
fsr-3355	298	52	.	.	PUNCT
fsr-3355	299	1	risk	risk	NOUN
fsr-3355	299	2	tolerance	tolerance	NOUN
fsr-3355	299	3	(	(	PUNCT
fsr-3355	299	4	22.30	22.30	NUM
fsr-3355	299	5	%	%	NOUN
fsr-3355	299	6	)	)	PUNCT
fsr-3355	299	7	and	and	CCONJ
fsr-3355	299	8	educational	educational	ADJ
fsr-3355	299	9	attainment	attainment	NOUN
fsr-3355	299	10	(	(	PUNCT
fsr-3355	299	11	19.20	19.20	NUM
fsr-3355	299	12	%	%	NOUN
fsr-3355	299	13	)	)	PUNCT
fsr-3355	299	14	contributed	contribute	VERB
fsr-3355	299	15	the	the	DET
fsr-3355	299	16	most	most	ADJ
fsr-3355	299	17	among	among	ADP
fsr-3355	299	18	the	the	DET
fsr-3355	299	19	predictors	predictor	NOUN
fsr-3355	299	20	.	.	PUNCT
fsr-3355	300	1	specification	specification	NOUN
fsr-3355	300	2	2	2	NUM
fsr-3355	300	3	of	of	ADP
fsr-3355	300	4	table	table	NOUN
fsr-3355	300	5	5	5	NUM
fsr-3355	300	6	shows	show	VERB
fsr-3355	300	7	the	the	DET
fsr-3355	300	8	decomposition	decomposition	NOUN
fsr-3355	300	9	of	of	ADP
fsr-3355	300	10	white	white	ADJ
fsr-3355	300	11	-	-	PUNCT
fsr-3355	300	12	asian	asian	ADJ
fsr-3355	300	13	/	/	SYM
fsr-3355	300	14	other	other	ADJ
fsr-3355	300	15	differences	difference	NOUN
fsr-3355	300	16	.	.	PUNCT
fsr-3355	301	1	however	however	ADV
fsr-3355	301	2	,	,	PUNCT
fsr-3355	301	3	the	the	DET
fsr-3355	301	4	characteristics	characteristic	NOUN
fsr-3355	301	5	of	of	ADP
fsr-3355	301	6	respondents	respondent	NOUN
fsr-3355	301	7	accounted	account	VERB
fsr-3355	301	8	for	for	ADP
fsr-3355	301	9	32	32	NUM
fsr-3355	301	10	%	%	NOUN
fsr-3355	301	11	of	of	ADP
fsr-3355	301	12	the	the	DET
fsr-3355	301	13	gap	gap	NOUN
fsr-3355	301	14	in	in	ADP
fsr-3355	301	15	the	the	DET
fsr-3355	301	16	rate	rate	NOUN
fsr-3355	301	17	of	of	ADP
fsr-3355	301	18	using	use	VERB
fsr-3355	301	19	financial	financial	ADJ
fsr-3355	301	20	planners	planner	NOUN
fsr-3355	301	21	between	between	ADP
fsr-3355	301	22	these	these	DET
fsr-3355	301	23	two	two	NUM
fsr-3355	301	24	groups	group	NOUN
fsr-3355	301	25	.	.	PUNCT
fsr-3355	302	1	if	if	SCONJ
fsr-3355	302	2	asian	asian	ADJ
fsr-3355	302	3	/	/	SYM
fsr-3355	302	4	other	other	ADJ
fsr-3355	302	5	respondents	respondent	NOUN
fsr-3355	302	6	had	have	VERB
fsr-3355	302	7	the	the	DET
fsr-3355	302	8	same	same	ADJ
fsr-3355	302	9	characteristics	characteristic	NOUN
fsr-3355	302	10	as	as	ADP
fsr-3355	302	11	white	white	ADJ
fsr-3355	302	12	respondents	respondent	NOUN
fsr-3355	302	13	,	,	PUNCT
fsr-3355	302	14	the	the	DET
fsr-3355	302	15	probability	probability	NOUN
fsr-3355	302	16	of	of	ADP
fsr-3355	302	17	using	use	VERB
fsr-3355	302	18	financial	financial	ADJ
fsr-3355	302	19	planners	planner	NOUN
fsr-3355	302	20	would	would	AUX
fsr-3355	302	21	be	be	AUX
fsr-3355	302	22	lower	low	ADJ
fsr-3355	302	23	than	than	ADP
fsr-3355	302	24	white	white	ADJ
fsr-3355	302	25	respondents	respondent	NOUN
fsr-3355	302	26	.	.	PUNCT
fsr-3355	303	1	age	age	NOUN
fsr-3355	303	2	was	be	AUX
fsr-3355	303	3	the	the	DET
fsr-3355	303	4	most	most	ADV
fsr-3355	303	5	important	important	ADJ
fsr-3355	303	6	factor	factor	NOUN
fsr-3355	303	7	in	in	ADP
fsr-3355	303	8	explaining	explain	VERB
fsr-3355	303	9	differences	difference	NOUN
fsr-3355	303	10	and	and	CCONJ
fsr-3355	303	11	contributed	contribute	VERB
fsr-3355	303	12	30.73	30.73	NUM
fsr-3355	303	13	%	%	NOUN
fsr-3355	303	14	,	,	PUNCT
fsr-3355	303	15	followed	follow	VERB
fsr-3355	303	16	by	by	ADP
fsr-3355	303	17	objective	objective	ADJ
fsr-3355	303	18	financial	financial	ADJ
fsr-3355	303	19	knowledge	knowledge	NOUN
fsr-3355	303	20	at	at	ADP
fsr-3355	303	21	20.53	20.53	NUM
fsr-3355	303	22	%	%	NOUN
fsr-3355	303	23	.	.	PUNCT
fsr-3355	304	1	in	in	ADP
fsr-3355	304	2	addition	addition	NOUN
fsr-3355	304	3	,	,	PUNCT
fsr-3355	304	4	because	because	SCONJ
fsr-3355	304	5	asian	asian	ADJ
fsr-3355	304	6	/	/	SYM
fsr-3355	304	7	other	other	ADJ
fsr-3355	304	8	respondents	respondent	NOUN
fsr-3355	304	9	had	have	VERB
fsr-3355	304	10	more	more	ADJ
fsr-3355	304	11	education	education	NOUN
fsr-3355	304	12	than	than	ADP
fsr-3355	304	13	white	white	ADJ
fsr-3355	304	14	respondents	respondent	NOUN
fsr-3355	304	15	,	,	PUNCT
fsr-3355	304	16	if	if	SCONJ
fsr-3355	304	17	they	they	PRON
fsr-3355	304	18	had	have	VERB
fsr-3355	304	19	the	the	DET
fsr-3355	304	20	same	same	ADJ
fsr-3355	304	21	level	level	NOUN
fsr-3355	304	22	of	of	ADP
fsr-3355	304	23	education	education	NOUN
fsr-3355	304	24	as	as	ADP
fsr-3355	304	25	white	white	ADJ
fsr-3355	304	26	respondents	respondent	NOUN
fsr-3355	304	27	,	,	PUNCT
fsr-3355	304	28	they	they	PRON
fsr-3355	304	29	would	would	AUX
fsr-3355	304	30	have	have	VERB
fsr-3355	304	31	a	a	DET
fsr-3355	304	32	lower	low	ADJ
fsr-3355	304	33	probability	probability	NOUN
fsr-3355	304	34	of	of	ADP
fsr-3355	304	35	using	use	VERB
fsr-3355	304	36	financial	financial	ADJ
fsr-3355	304	37	planners	planner	NOUN
fsr-3355	304	38	.	.	PUNCT
fsr-3355	305	1	when	when	SCONJ
fsr-3355	305	2	comparing	compare	VERB
fsr-3355	305	3	asians	asian	NOUN
fsr-3355	305	4	/	/	SYM
fsr-3355	305	5	others	other	NOUN
fsr-3355	305	6	to	to	ADP
fsr-3355	305	7	hispanics	hispanic	NOUN
fsr-3355	305	8	(	(	PUNCT
fsr-3355	305	9	specification	specification	NOUN
fsr-3355	305	10	3	3	NUM
fsr-3355	305	11	)	)	PUNCT
fsr-3355	305	12	,	,	PUNCT
fsr-3355	305	13	the	the	DET
fsr-3355	305	14	explained	explain	VERB
fsr-3355	305	15	difference	difference	NOUN
fsr-3355	305	16	to	to	ADP
fsr-3355	305	17	total	total	ADJ
fsr-3355	305	18	difference	difference	NOUN
fsr-3355	305	19	was	be	AUX
fsr-3355	305	20	87	87	NUM
fsr-3355	305	21	%	%	NOUN
fsr-3355	305	22	.	.	PUNCT
fsr-3355	306	1	the	the	DET
fsr-3355	306	2	result	result	NOUN
fsr-3355	306	3	indicates	indicate	VERB
fsr-3355	306	4	that	that	SCONJ
fsr-3355	306	5	if	if	SCONJ
fsr-3355	306	6	hispanic	hispanic	ADJ
fsr-3355	306	7	respondents	respondent	NOUN
fsr-3355	306	8	had	have	VERB
fsr-3355	306	9	the	the	DET
fsr-3355	306	10	same	same	ADJ
fsr-3355	306	11	characteristics	characteristic	NOUN
fsr-3355	306	12	as	as	ADP
fsr-3355	306	13	asian	asian	ADJ
fsr-3355	306	14	/	/	SYM
fsr-3355	306	15	other	other	ADJ
fsr-3355	306	16	respondents	respondent	NOUN
fsr-3355	306	17	,	,	PUNCT
fsr-3355	306	18	the	the	DET
fsr-3355	306	19	probability	probability	NOUN
fsr-3355	306	20	of	of	ADP
fsr-3355	306	21	using	use	VERB
fsr-3355	306	22	financial	financial	ADJ
fsr-3355	306	23	planners	planner	NOUN
fsr-3355	306	24	would	would	AUX
fsr-3355	306	25	be	be	AUX
fsr-3355	306	26	lower	low	ADJ
fsr-3355	306	27	than	than	ADP
fsr-3355	306	28	asian	asian	ADJ
fsr-3355	306	29	/	/	SYM
fsr-3355	306	30	other	other	ADJ
fsr-3355	306	31	respondents	respondent	NOUN
fsr-3355	306	32	.	.	PUNCT
fsr-3355	307	1	risk	risk	NOUN
fsr-3355	307	2	tolerance	tolerance	NOUN
fsr-3355	307	3	(	(	PUNCT
fsr-3355	307	4	30.31	30.31	NUM
fsr-3355	307	5	%	%	NOUN
fsr-3355	307	6	)	)	PUNCT
fsr-3355	307	7	,	,	PUNCT
fsr-3355	307	8	income	income	NOUN
fsr-3355	307	9	(	(	PUNCT
fsr-3355	307	10	28.68	28.68	NUM
fsr-3355	307	11	%	%	NOUN
fsr-3355	307	12	)	)	PUNCT
fsr-3355	307	13	,	,	PUNCT
fsr-3355	307	14	and	and	CCONJ
fsr-3355	307	15	objective	objective	ADJ
fsr-3355	307	16	financial	financial	ADJ
fsr-3355	307	17	knowledge	knowledge	NOUN
fsr-3355	307	18	qing	qing	PROPN
fsr-3355	307	19	&	&	CCONJ
fsr-3355	307	20	reiter	reiter	PROPN
fsr-3355	307	21	41	41	NUM
fsr-3355	308	1	(	(	PUNCT
fsr-3355	308	2	25.20	25.20	NUM
fsr-3355	308	3	%	%	NOUN
fsr-3355	308	4	)	)	PUNCT
fsr-3355	308	5	were	be	AUX
fsr-3355	308	6	the	the	DET
fsr-3355	308	7	biggest	big	ADJ
fsr-3355	308	8	contributors	contributor	NOUN
fsr-3355	308	9	to	to	ADP
fsr-3355	308	10	the	the	DET
fsr-3355	308	11	gap	gap	NOUN
fsr-3355	308	12	,	,	PUNCT
fsr-3355	308	13	while	while	SCONJ
fsr-3355	308	14	marital	marital	ADJ
fsr-3355	308	15	status	status	NOUN
fsr-3355	308	16	and	and	CCONJ
fsr-3355	308	17	being	be	AUX
fsr-3355	308	18	female	female	ADJ
fsr-3355	308	19	narrowed	narrow	VERB
fsr-3355	308	20	the	the	DET
fsr-3355	308	21	gap	gap	NOUN
fsr-3355	308	22	.	.	PUNCT
fsr-3355	309	1	that	that	PRON
fsr-3355	309	2	is	be	AUX
fsr-3355	309	3	,	,	PUNCT
fsr-3355	309	4	if	if	SCONJ
fsr-3355	309	5	hispanics	hispanic	NOUN
fsr-3355	309	6	had	have	VERB
fsr-3355	309	7	the	the	DET
fsr-3355	309	8	same	same	ADJ
fsr-3355	309	9	marital	marital	ADJ
fsr-3355	309	10	status	status	NOUN
fsr-3355	309	11	as	as	ADP
fsr-3355	309	12	asian	asian	ADJ
fsr-3355	309	13	/	/	SYM
fsr-3355	309	14	other	other	ADJ
fsr-3355	309	15	respondents	respondent	NOUN
fsr-3355	309	16	,	,	PUNCT
fsr-3355	309	17	they	they	PRON
fsr-3355	309	18	would	would	AUX
fsr-3355	309	19	have	have	VERB
fsr-3355	309	20	a	a	DET
fsr-3355	309	21	lower	low	ADJ
fsr-3355	309	22	probability	probability	NOUN
fsr-3355	309	23	of	of	ADP
fsr-3355	309	24	using	use	VERB
fsr-3355	309	25	financial	financial	ADJ
fsr-3355	309	26	planners	planner	NOUN
fsr-3355	309	27	.	.	PUNCT
fsr-3355	310	1	table	table	NOUN
fsr-3355	310	2	5	5	NUM
fsr-3355	310	3	.	.	PUNCT
fsr-3355	311	1	decomposition	decomposition	NOUN
fsr-3355	311	2	analysis	analysis	NOUN
fsr-3355	311	3	of	of	ADP
fsr-3355	311	4	financial	financial	ADJ
fsr-3355	311	5	planner	planner	NOUN
fsr-3355	311	6	use	use	NOUN
fsr-3355	311	7	(	(	PUNCT
fsr-3355	311	8	1	1	X
fsr-3355	311	9	)	)	PUNCT
fsr-3355	311	10	white	white	NOUN
fsr-3355	311	11	vs.	vs.	X
fsr-3355	311	12	hispanic	hispanic	ADJ
fsr-3355	311	13	(	(	PUNCT
fsr-3355	311	14	2	2	NUM
fsr-3355	311	15	)	)	PUNCT
fsr-3355	311	16	white	white	NOUN
fsr-3355	311	17	vs.	vs.	ADP
fsr-3355	311	18	asian	asian	ADJ
fsr-3355	311	19	/	/	SYM
fsr-3355	311	20	other	other	ADJ
fsr-3355	311	21	(	(	PUNCT
fsr-3355	311	22	3	3	NUM
fsr-3355	311	23	)	)	PUNCT
fsr-3355	311	24	asian	asian	ADJ
fsr-3355	311	25	/	/	SYM
fsr-3355	311	26	other	other	ADJ
fsr-3355	311	27	vs.	vs.	ADP
fsr-3355	311	28	hispanic	hispanic	ADJ
fsr-3355	311	29	variables	variable	NOUN
fsr-3355	311	30	contribution	contribution	NOUN
fsr-3355	311	31	to	to	ADP
fsr-3355	311	32	difference	difference	NOUN
fsr-3355	311	33	percent	percent	NOUN
fsr-3355	311	34	of	of	ADP
fsr-3355	311	35	explained	explain	VERB
fsr-3355	311	36	difference	difference	NOUN
fsr-3355	311	37	contribution	contribution	NOUN
fsr-3355	311	38	to	to	ADP
fsr-3355	311	39	difference	difference	NOUN
fsr-3355	311	40	percent	percent	NOUN
fsr-3355	311	41	of	of	ADP
fsr-3355	311	42	explained	explain	VERB
fsr-3355	311	43	difference	difference	NOUN
fsr-3355	311	44	contribution	contribution	NOUN
fsr-3355	311	45	to	to	ADP
fsr-3355	311	46	difference	difference	NOUN
fsr-3355	311	47	percent	percent	NOUN
fsr-3355	311	48	of	of	ADP
fsr-3355	311	49	explained	explain	VERB
fsr-3355	311	50	difference	difference	NOUN
fsr-3355	311	51	female	female	ADJ
fsr-3355	311	52	-0.0112	-0.0112	NOUN
fsr-3355	311	53	*	*	PUNCT
fsr-3355	312	1	*	*	PUNCT
fsr-3355	312	2	*	*	PUNCT
fsr-3355	312	3	-6.42	-6.42	NUM
fsr-3355	312	4	%	%	NOUN
fsr-3355	312	5	0.0020	0.0020	NUM
fsr-3355	312	6	*	*	PUNCT
fsr-3355	312	7	*	*	PUNCT
fsr-3355	312	8	*	*	PUNCT
fsr-3355	312	9	9.04	9.04	NUM
fsr-3355	312	10	%	%	NOUN
fsr-3355	312	11	-0.0058	-0.0058	NOUN
fsr-3355	312	12	-5.47	-5.47	NOUN
fsr-3355	312	13	%	%	NOUN
fsr-3355	312	14	age	age	NOUN
fsr-3355	312	15	0.0114	0.0114	NUM
fsr-3355	312	16	*	*	PUNCT
fsr-3355	312	17	*	*	PUNCT
fsr-3355	312	18	*	*	PUNCT
fsr-3355	312	19	6.56	6.56	NUM
fsr-3355	312	20	%	%	NOUN
fsr-3355	312	21	0.0067	0.0067	NUM
fsr-3355	312	22	*	*	PUNCT
fsr-3355	312	23	*	*	PUNCT
fsr-3355	312	24	*	*	PUNCT
fsr-3355	312	25	30.73	30.73	NUM
fsr-3355	312	26	%	%	NOUN
fsr-3355	312	27	0.0045	0.0045	NUM
fsr-3355	312	28	*	*	PUNCT
fsr-3355	312	29	*	*	PUNCT
fsr-3355	312	30	*	*	PUNCT
fsr-3355	312	31	4.22	4.22	NUM
fsr-3355	312	32	%	%	NOUN
fsr-3355	312	33	marital	marital	ADJ
fsr-3355	312	34	status	status	NOUN
fsr-3355	312	35	-0.0011	-0.0011	X
fsr-3355	312	36	-0.64	-0.64	PRON
fsr-3355	312	37	%	%	NOUN
fsr-3355	312	38	0.0003	0.0003	NUM
fsr-3355	312	39	1.20	1.20	NUM
fsr-3355	312	40	%	%	NOUN
fsr-3355	312	41	-0.0208	-0.0208	NOUN
fsr-3355	313	1	*	*	PUNCT
fsr-3355	313	2	*	*	PUNCT
fsr-3355	313	3	*	*	PUNCT
fsr-3355	314	1	-19.70	-19.70	NUM
fsr-3355	314	2	%	%	NOUN
fsr-3355	314	3	income	income	NOUN
fsr-3355	314	4	0.0312	0.0312	NUM
fsr-3355	314	5	*	*	PUNCT
fsr-3355	314	6	*	*	PUNCT
fsr-3355	314	7	*	*	X
fsr-3355	314	8	17.93	17.93	NUM
fsr-3355	314	9	%	%	NOUN
fsr-3355	314	10	-0.0003	-0.0003	NOUN
fsr-3355	314	11	*	*	PUNCT
fsr-3355	314	12	*	*	PUNCT
fsr-3355	314	13	*	*	PUNCT
fsr-3355	314	14	-1.41	-1.41	NUM
fsr-3355	314	15	%	%	NOUN
fsr-3355	314	16	0.0303	0.0303	NUM
fsr-3355	314	17	*	*	PUNCT
fsr-3355	314	18	*	*	PUNCT
fsr-3355	314	19	*	*	X
fsr-3355	314	20	28.68	28.68	NUM
fsr-3355	314	21	%	%	NOUN
fsr-3355	314	22	net	net	NOUN
fsr-3355	314	23	worth	worth	ADJ
fsr-3355	314	24	0.0224	0.0224	NUM
fsr-3355	314	25	*	*	PUNCT
fsr-3355	314	26	*	*	PUNCT
fsr-3355	314	27	*	*	PUNCT
fsr-3355	314	28	12.85	12.85	NUM
fsr-3355	314	29	%	%	NOUN
fsr-3355	314	30	0.0029	0.0029	NUM
fsr-3355	314	31	*	*	PUNCT
fsr-3355	314	32	*	*	PUNCT
fsr-3355	314	33	*	*	PUNCT
fsr-3355	314	34	13.02	13.02	NUM
fsr-3355	314	35	%	%	NOUN
fsr-3355	314	36	0.0067	0.0067	NUM
fsr-3355	314	37	6.31	6.31	NUM
fsr-3355	314	38	%	%	NOUN
fsr-3355	314	39	risk	risk	NOUN
fsr-3355	314	40	tolerance	tolerance	NOUN
fsr-3355	314	41	0.0388	0.0388	NUM
fsr-3355	314	42	*	*	PUNCT
fsr-3355	314	43	*	*	PUNCT
fsr-3355	314	44	*	*	PUNCT
fsr-3355	314	45	22.30	22.30	NUM
fsr-3355	314	46	%	%	NOUN
fsr-3355	314	47	0.0025	0.0025	NUM
fsr-3355	314	48	*	*	PUNCT
fsr-3355	314	49	*	*	PUNCT
fsr-3355	314	50	*	*	PUNCT
fsr-3355	314	51	11.51	11.51	NUM
fsr-3355	314	52	%	%	NOUN
fsr-3355	314	53	0.0320	0.0320	NUM
fsr-3355	314	54	*	*	NOUN
fsr-3355	314	55	*	*	PUNCT
fsr-3355	314	56	*	*	X
fsr-3355	314	57	30.31	30.31	NUM
fsr-3355	314	58	%	%	NOUN
fsr-3355	314	59	investment	investment	NOUN
fsr-3355	314	60	horizon	horizon	NOUN
fsr-3355	314	61	0.0174	0.0174	NUM
fsr-3355	314	62	*	*	PUNCT
fsr-3355	314	63	*	*	PUNCT
fsr-3355	314	64	*	*	PUNCT
fsr-3355	314	65	10.00	10.00	NUM
fsr-3355	314	66	%	%	NOUN
fsr-3355	314	67	0.0023	0.0023	NUM
fsr-3355	314	68	*	*	PUNCT
fsr-3355	314	69	*	*	PUNCT
fsr-3355	314	70	*	*	NOUN
fsr-3355	314	71	10.43	10.43	NUM
fsr-3355	314	72	%	%	NOUN
fsr-3355	314	73	-0.0002	-0.0002	NOUN
fsr-3355	314	74	-0.21	-0.21	ADJ
fsr-3355	314	75	%	%	NOUN
fsr-3355	314	76	subjective	subjective	ADJ
fsr-3355	314	77	financial	financial	ADJ
fsr-3355	314	78	knowledge	knowledge	NOUN
fsr-3355	314	79	-0.0007	-0.0007	PROPN
fsr-3355	314	80	-0.42	-0.42	NUM
fsr-3355	314	81	%	%	NOUN
fsr-3355	314	82	-0.0004	-0.0004	NOUN
fsr-3355	314	83	-1.77	-1.77	NOUN
fsr-3355	314	84	%	%	NOUN
fsr-3355	314	85	0.0045	0.0045	NUM
fsr-3355	314	86	*	*	NOUN
fsr-3355	314	87	*	*	PROPN
fsr-3355	314	88	4.31	4.31	NUM
fsr-3355	314	89	%	%	NOUN
fsr-3355	314	90	objective	objective	ADJ
fsr-3355	314	91	financial	financial	ADJ
fsr-3355	314	92	knowledge	knowledge	NOUN
fsr-3355	314	93	0.0204	0.0204	NUM
fsr-3355	314	94	*	*	PUNCT
fsr-3355	314	95	*	*	PUNCT
fsr-3355	314	96	*	*	PUNCT
fsr-3355	314	97	11.71	11.71	NUM
fsr-3355	314	98	%	%	NOUN
fsr-3355	314	99	0.0045	0.0045	NUM
fsr-3355	314	100	*	*	PUNCT
fsr-3355	314	101	*	*	PUNCT
fsr-3355	314	102	*	*	PUNCT
fsr-3355	314	103	20.53	20.53	NUM
fsr-3355	314	104	%	%	NOUN
fsr-3355	314	105	0.0266	0.0266	NUM
fsr-3355	314	106	*	*	PUNCT
fsr-3355	314	107	*	*	PUNCT
fsr-3355	314	108	*	*	SYM
fsr-3355	314	109	25.20	25.20	NUM
fsr-3355	314	110	%	%	NOUN
fsr-3355	314	111	household	household	NOUN
fsr-3355	314	112	size	size	NOUN
fsr-3355	314	113	0.0037	0.0037	NUM
fsr-3355	314	114	*	*	PUNCT
fsr-3355	314	115	*	*	PUNCT
fsr-3355	314	116	*	*	PUNCT
fsr-3355	314	117	2.10	2.10	NUM
fsr-3355	314	118	%	%	NOUN
fsr-3355	314	119	0.0032	0.0032	NUM
fsr-3355	314	120	*	*	PUNCT
fsr-3355	314	121	*	*	PUNCT
fsr-3355	314	122	*	*	X
fsr-3355	314	123	14.37	14.37	NUM
fsr-3355	314	124	%	%	NOUN
fsr-3355	314	125	-0.0005	-0.0005	NOUN
fsr-3355	315	1	-0.49	-0.49	NOUN
fsr-3355	315	2	%	%	NOUN
fsr-3355	315	3	education	education	NOUN
fsr-3355	315	4	0.0334	0.0334	NUM
fsr-3355	315	5	*	*	PUNCT
fsr-3355	315	6	*	*	PUNCT
fsr-3355	315	7	*	*	PUNCT
fsr-3355	315	8	19.20	19.20	NUM
fsr-3355	315	9	%	%	NOUN
fsr-3355	315	10	-0.0065	-0.0065	NOUN
fsr-3355	316	1	*	*	PUNCT
fsr-3355	316	2	*	*	PUNCT
fsr-3355	316	3	*	*	PUNCT
fsr-3355	316	4	-29.77	-29.77	NOUN
fsr-3355	316	5	%	%	NOUN
fsr-3355	316	6	0.0144	0.0144	NUM
fsr-3355	316	7	13.69	13.69	NUM
fsr-3355	316	8	%	%	NOUN
fsr-3355	316	9	homeownership	homeownership	NOUN
fsr-3355	316	10	0.0056	0.0056	NUM
fsr-3355	316	11	*	*	PUNCT
fsr-3355	316	12	*	*	PUNCT
fsr-3355	316	13	*	*	PUNCT
fsr-3355	316	14	3.20	3.20	NUM
fsr-3355	316	15	%	%	NOUN
fsr-3355	316	16	0.0032	0.0032	NUM
fsr-3355	316	17	*	*	PUNCT
fsr-3355	316	18	*	*	PUNCT
fsr-3355	317	1	*	*	PUNCT
fsr-3355	317	2	14.36	14.36	NUM
fsr-3355	317	3	%	%	NOUN
fsr-3355	317	4	0.0125	0.0125	NUM
fsr-3355	317	5	*	*	PUNCT
fsr-3355	317	6	*	*	PROPN
fsr-3355	317	7	11.84	11.84	NUM
fsr-3355	317	8	%	%	NOUN
fsr-3355	317	9	employment	employment	NOUN
fsr-3355	317	10	0.0009	0.0009	NUM
fsr-3355	317	11	*	*	NOUN
fsr-3355	317	12	*	*	PROPN
fsr-3355	317	13	0.50	0.50	NUM
fsr-3355	317	14	%	%	NOUN
fsr-3355	317	15	0.0011	0.0011	NUM
fsr-3355	317	16	*	*	NOUN
fsr-3355	317	17	*	*	PROPN
fsr-3355	317	18	5.12	5.12	NUM
fsr-3355	317	19	%	%	NOUN
fsr-3355	317	20	0.0001	0.0001	NUM
fsr-3355	317	21	0.06	0.06	NUM
fsr-3355	317	22	%	%	NOUN
fsr-3355	317	23	emergency	emergency	NOUN
fsr-3355	317	24	access	access	NOUN
fsr-3355	317	25	0.0021	0.0021	NUM
fsr-3355	317	26	*	*	X
fsr-3355	317	27	*	*	PROPN
fsr-3355	317	28	1.18	1.18	NUM
fsr-3355	317	29	%	%	NOUN
fsr-3355	317	30	0.0003	0.0003	NUM
fsr-3355	317	31	*	*	NUM
fsr-3355	317	32	1.42	1.42	NUM
fsr-3355	317	33	%	%	NOUN
fsr-3355	317	34	0.0012	0.0012	NUM
fsr-3355	317	35	1.11	1.11	NUM
fsr-3355	317	36	%	%	NOUN
fsr-3355	317	37	total	total	ADJ
fsr-3355	317	38	difference	difference	NOUN
fsr-3355	317	39	0.1892	0.1892	NUM
fsr-3355	317	40	0.0686	0.0686	NUM
fsr-3355	317	41	0.1207	0.1207	NUM
fsr-3355	317	42	explained	explain	VERB
fsr-3355	317	43	difference	difference	NOUN
fsr-3355	317	44	0.1740	0.1740	NUM
fsr-3355	317	45	0.0220	0.0220	NUM
fsr-3355	317	46	0.1055	0.1055	NUM
fsr-3355	317	47	unexplained	unexplained	ADJ
fsr-3355	317	48	difference	difference	NOUN
fsr-3355	317	49	0.0153	0.0153	NUM
fsr-3355	317	50	0.0466	0.0466	NUM
fsr-3355	317	51	0.0151	0.0151	NUM
fsr-3355	317	52	percent	percent	NOUN
fsr-3355	317	53	of	of	ADP
fsr-3355	317	54	explained	explain	VERB
fsr-3355	317	55	difference	difference	NOUN
fsr-3355	317	56	to	to	ADP
fsr-3355	317	57	total	total	ADJ
fsr-3355	317	58	difference	difference	NOUN
fsr-3355	317	59	92	92	NUM
fsr-3355	317	60	%	%	NOUN
fsr-3355	317	61	32	32	NUM
fsr-3355	317	62	%	%	NOUN
fsr-3355	317	63	87	87	NUM
fsr-3355	317	64	%	%	NOUN
fsr-3355	317	65	note	note	NOUN
fsr-3355	317	66	:	:	PUNCT
fsr-3355	317	67	decomposition	decomposition	NOUN
fsr-3355	317	68	analysis	analysis	NOUN
fsr-3355	317	69	using	use	VERB
fsr-3355	317	70	2016	2016	NUM
fsr-3355	317	71	&	&	CCONJ
fsr-3355	317	72	2016	2016	NUM
fsr-3355	317	73	scf	scf	PROPN
fsr-3355	317	74	.	.	PUNCT
fsr-3355	318	1	the	the	DET
fsr-3355	318	2	reference	reference	NOUN
fsr-3355	318	3	group	group	NOUN
fsr-3355	318	4	is	be	AUX
fsr-3355	318	5	the	the	DET
fsr-3355	318	6	group	group	NOUN
fsr-3355	318	7	that	that	PRON
fsr-3355	318	8	has	have	VERB
fsr-3355	318	9	the	the	DET
fsr-3355	318	10	lower	low	ADJ
fsr-3355	318	11	rate	rate	NOUN
fsr-3355	318	12	of	of	ADP
fsr-3355	318	13	financial	financial	ADJ
fsr-3355	318	14	planner	planner	NOUN
fsr-3355	318	15	usage	usage	NOUN
fsr-3355	318	16	.	.	PUNCT
fsr-3355	319	1	*	*	PUNCT
fsr-3355	319	2	p<0.05	p<0.05	NOUN
fsr-3355	319	3	;	;	PUNCT
fsr-3355	319	4	*	*	PUNCT
fsr-3355	319	5	*	*	PUNCT
fsr-3355	319	6	p<0.01	p<0.01	PROPN
fsr-3355	319	7	;	;	PUNCT
fsr-3355	319	8	*	*	PUNCT
fsr-3355	319	9	*	*	PUNCT
fsr-3355	319	10	*	*	PUNCT
fsr-3355	319	11	p<0.001	p<0.001	ADJ
fsr-3355	319	12	financial	financial	ADJ
fsr-3355	319	13	services	service	NOUN
fsr-3355	319	14	review	review	NOUN
fsr-3355	319	15	,	,	PUNCT
fsr-3355	319	16	32(4	32(4	NUM
fsr-3355	319	17	)	)	PUNCT
fsr-3355	319	18	42	42	NUM
fsr-3355	319	19	discussion	discussion	NOUN
fsr-3355	319	20	and	and	CCONJ
fsr-3355	319	21	implications	implication	NOUN
fsr-3355	319	22	this	this	DET
fsr-3355	319	23	study	study	NOUN
fsr-3355	319	24	examined	examine	VERB
fsr-3355	319	25	the	the	DET
fsr-3355	319	26	racial	racial	ADJ
fsr-3355	319	27	/	/	SYM
fsr-3355	319	28	ethnic	ethnic	ADJ
fsr-3355	319	29	differences	difference	NOUN
fsr-3355	319	30	in	in	ADP
fsr-3355	319	31	financial	financial	ADJ
fsr-3355	319	32	advice	advice	NOUN
fsr-3355	319	33	seeking	seek	VERB
fsr-3355	319	34	for	for	ADP
fsr-3355	319	35	saving	saving	NOUN
fsr-3355	319	36	and	and	CCONJ
fsr-3355	319	37	investment	investment	NOUN
fsr-3355	319	38	decisions	decision	NOUN
fsr-3355	319	39	using	use	VERB
fsr-3355	319	40	the	the	DET
fsr-3355	319	41	2016	2016	NUM
fsr-3355	319	42	and	and	CCONJ
fsr-3355	319	43	2019	2019	NUM
fsr-3355	319	44	waves	wave	NOUN
fsr-3355	319	45	of	of	ADP
fsr-3355	319	46	the	the	DET
fsr-3355	319	47	survey	survey	NOUN
fsr-3355	319	48	of	of	ADP
fsr-3355	319	49	consumer	consumer	NOUN
fsr-3355	319	50	finances	finance	NOUN
fsr-3355	319	51	.	.	PUNCT
fsr-3355	320	1	logistic	logistic	ADJ
fsr-3355	320	2	regression	regression	NOUN
fsr-3355	320	3	was	be	AUX
fsr-3355	320	4	used	use	VERB
fsr-3355	320	5	to	to	PART
fsr-3355	320	6	determine	determine	VERB
fsr-3355	320	7	if	if	SCONJ
fsr-3355	320	8	there	there	PRON
fsr-3355	320	9	were	be	VERB
fsr-3355	320	10	significant	significant	ADJ
fsr-3355	320	11	racial	racial	ADJ
fsr-3355	320	12	/	/	SYM
fsr-3355	320	13	ethnic	ethnic	ADJ
fsr-3355	320	14	differences	difference	NOUN
fsr-3355	320	15	using	use	VERB
fsr-3355	320	16	a	a	DET
fsr-3355	320	17	financial	financial	ADJ
fsr-3355	320	18	planner	planner	NOUN
fsr-3355	320	19	.	.	PUNCT
fsr-3355	321	1	the	the	DET
fsr-3355	321	2	results	result	NOUN
fsr-3355	321	3	showed	show	VERB
fsr-3355	321	4	that	that	SCONJ
fsr-3355	321	5	compared	compare	VERB
fsr-3355	321	6	to	to	ADP
fsr-3355	321	7	black	black	ADJ
fsr-3355	321	8	and	and	CCONJ
fsr-3355	321	9	white	white	ADJ
fsr-3355	321	10	respondents	respondent	NOUN
fsr-3355	321	11	(	(	PUNCT
fsr-3355	321	12	see	see	VERB
fsr-3355	321	13	appendix	appendix	NOUN
fsr-3355	321	14	)	)	PUNCT
fsr-3355	321	15	,	,	PUNCT
fsr-3355	321	16	hispanic	hispanic	ADJ
fsr-3355	321	17	and	and	CCONJ
fsr-3355	321	18	asian	asian	ADJ
fsr-3355	321	19	/	/	SYM
fsr-3355	321	20	other	other	ADJ
fsr-3355	321	21	respondents	respondent	NOUN
fsr-3355	321	22	were	be	AUX
fsr-3355	321	23	less	less	ADV
fsr-3355	321	24	likely	likely	ADJ
fsr-3355	321	25	to	to	PART
fsr-3355	321	26	use	use	VERB
fsr-3355	321	27	a	a	DET
fsr-3355	321	28	financial	financial	ADJ
fsr-3355	321	29	planner	planner	NOUN
fsr-3355	321	30	when	when	SCONJ
fsr-3355	321	31	making	make	VERB
fsr-3355	321	32	decisions	decision	NOUN
fsr-3355	321	33	about	about	ADP
fsr-3355	321	34	savings	saving	NOUN
fsr-3355	321	35	and	and	CCONJ
fsr-3355	321	36	investments	investment	NOUN
fsr-3355	321	37	,	,	PUNCT
fsr-3355	321	38	which	which	PRON
fsr-3355	321	39	supported	support	VERB
fsr-3355	321	40	hypotheses	hypothesis	NOUN
fsr-3355	321	41	2	2	NUM
fsr-3355	321	42	and	and	CCONJ
fsr-3355	321	43	3	3	NUM
fsr-3355	321	44	.	.	PUNCT
fsr-3355	322	1	these	these	DET
fsr-3355	322	2	findings	finding	NOUN
fsr-3355	322	3	have	have	AUX
fsr-3355	322	4	been	be	AUX
fsr-3355	322	5	corroborated	corroborate	VERB
fsr-3355	322	6	in	in	ADP
fsr-3355	322	7	other	other	ADJ
fsr-3355	322	8	studies	study	NOUN
fsr-3355	322	9	(	(	PUNCT
fsr-3355	322	10	hanna	hanna	NOUN
fsr-3355	322	11	,	,	PUNCT
fsr-3355	322	12	2011	2011	NUM
fsr-3355	322	13	;	;	PUNCT
fsr-3355	322	14	white	white	PROPN
fsr-3355	322	15	&	&	CCONJ
fsr-3355	322	16	heckman	heckman	PROPN
fsr-3355	322	17	,	,	PUNCT
fsr-3355	322	18	2016	2016	NUM
fsr-3355	322	19	)	)	PUNCT
fsr-3355	322	20	and	and	CCONJ
fsr-3355	322	21	may	may	AUX
fsr-3355	322	22	result	result	VERB
fsr-3355	322	23	from	from	ADP
fsr-3355	322	24	cultural	cultural	ADJ
fsr-3355	322	25	differences	difference	NOUN
fsr-3355	322	26	among	among	ADP
fsr-3355	322	27	racial	racial	ADJ
fsr-3355	322	28	/	/	SYM
fsr-3355	322	29	ethnic	ethnic	ADJ
fsr-3355	322	30	groups	group	NOUN
fsr-3355	322	31	.	.	PUNCT
fsr-3355	323	1	in	in	ADP
fsr-3355	323	2	particular	particular	ADJ
fsr-3355	323	3	,	,	PUNCT
fsr-3355	323	4	hispanic	hispanic	ADJ
fsr-3355	323	5	clients	client	NOUN
fsr-3355	323	6	may	may	AUX
fsr-3355	323	7	be	be	AUX
fsr-3355	323	8	less	less	ADV
fsr-3355	323	9	likely	likely	ADJ
fsr-3355	323	10	to	to	PART
fsr-3355	323	11	seek	seek	VERB
fsr-3355	323	12	financial	financial	ADJ
fsr-3355	323	13	advice	advice	NOUN
fsr-3355	323	14	if	if	SCONJ
fsr-3355	323	15	they	they	PRON
fsr-3355	323	16	do	do	AUX
fsr-3355	323	17	not	not	PART
fsr-3355	323	18	intend	intend	VERB
fsr-3355	323	19	to	to	PART
fsr-3355	323	20	retire	retire	VERB
fsr-3355	323	21	(	(	PUNCT
fsr-3355	323	22	blanco	blanco	PROPN
fsr-3355	323	23	et	et	PROPN
fsr-3355	323	24	al	al	PROPN
fsr-3355	323	25	.	.	PROPN
fsr-3355	323	26	,	,	PUNCT
fsr-3355	323	27	2017	2017	NUM
fsr-3355	323	28	)	)	PUNCT
fsr-3355	323	29	.	.	PUNCT
fsr-3355	324	1	this	this	PRON
fsr-3355	324	2	would	would	AUX
fsr-3355	324	3	partially	partially	ADV
fsr-3355	324	4	explain	explain	VERB
fsr-3355	324	5	why	why	SCONJ
fsr-3355	324	6	nearly	nearly	ADV
fsr-3355	324	7	three	three	NUM
fsr-3355	324	8	-	-	PUNCT
fsr-3355	324	9	quarters	quarter	NOUN
fsr-3355	324	10	of	of	ADP
fsr-3355	324	11	hispanic	hispanic	ADJ
fsr-3355	324	12	consumers	consumer	NOUN
fsr-3355	324	13	indicate	indicate	VERB
fsr-3355	324	14	they	they	PRON
fsr-3355	324	15	are	be	AUX
fsr-3355	324	16	not	not	PART
fsr-3355	324	17	actively	actively	ADV
fsr-3355	324	18	engaging	engage	VERB
fsr-3355	324	19	in	in	ADP
fsr-3355	324	20	retirement	retirement	NOUN
fsr-3355	324	21	planning	planning	NOUN
fsr-3355	324	22	(	(	PUNCT
fsr-3355	324	23	hasler	hasler	NOUN
fsr-3355	324	24	et	et	PROPN
fsr-3355	324	25	al	al	PROPN
fsr-3355	324	26	.	.	PROPN
fsr-3355	324	27	,	,	PUNCT
fsr-3355	324	28	2023	2023	NUM
fsr-3355	324	29	)	)	PUNCT
fsr-3355	324	30	.	.	PUNCT
fsr-3355	325	1	additionally	additionally	ADV
fsr-3355	325	2	,	,	PUNCT
fsr-3355	325	3	asian	asian	ADJ
fsr-3355	325	4	clients	client	NOUN
fsr-3355	325	5	may	may	AUX
fsr-3355	325	6	prefer	prefer	VERB
fsr-3355	325	7	to	to	PART
fsr-3355	325	8	selfmanage	selfmanage	VERB
fsr-3355	325	9	accounts	account	NOUN
fsr-3355	325	10	instead	instead	ADV
fsr-3355	325	11	of	of	ADP
fsr-3355	325	12	seeking	seek	VERB
fsr-3355	325	13	financial	financial	ADJ
fsr-3355	325	14	advice	advice	NOUN
fsr-3355	325	15	(	(	PUNCT
fsr-3355	325	16	merrill	merrill	PROPN
fsr-3355	325	17	lynch	lynch	PROPN
fsr-3355	325	18	,	,	PUNCT
fsr-3355	325	19	2023a	2023a	NUM
fsr-3355	325	20	)	)	PUNCT
fsr-3355	325	21	.	.	PUNCT
fsr-3355	326	1	one	one	NUM
fsr-3355	326	2	commonality	commonality	NOUN
fsr-3355	326	3	between	between	ADP
fsr-3355	326	4	hispanic	hispanic	ADJ
fsr-3355	326	5	americans	americans	PROPN
fsr-3355	326	6	and	and	CCONJ
fsr-3355	326	7	asian	asian	ADJ
fsr-3355	326	8	americans	americans	PROPN
fsr-3355	326	9	is	be	AUX
fsr-3355	326	10	that	that	SCONJ
fsr-3355	326	11	these	these	DET
fsr-3355	326	12	groups	group	NOUN
fsr-3355	326	13	make	make	VERB
fsr-3355	326	14	up	up	ADP
fsr-3355	326	15	a	a	DET
fsr-3355	326	16	higher	high	ADJ
fsr-3355	326	17	percentage	percentage	NOUN
fsr-3355	326	18	of	of	ADP
fsr-3355	326	19	first	first	ADJ
fsr-3355	326	20	-	-	PUNCT
fsr-3355	326	21	generation	generation	NOUN
fsr-3355	326	22	immigrants	immigrant	NOUN
fsr-3355	326	23	compared	compare	VERB
fsr-3355	326	24	to	to	ADP
fsr-3355	326	25	white	white	ADJ
fsr-3355	326	26	and	and	CCONJ
fsr-3355	326	27	black	black	ADJ
fsr-3355	326	28	americans	americans	PROPN
fsr-3355	326	29	(	(	PUNCT
fsr-3355	326	30	budiman	budiman	NOUN
fsr-3355	326	31	et	et	PROPN
fsr-3355	326	32	al	al	PROPN
fsr-3355	326	33	.	.	PROPN
fsr-3355	326	34	,	,	PUNCT
fsr-3355	326	35	2020	2020	NUM
fsr-3355	326	36	;	;	PUNCT
fsr-3355	326	37	budiman	budiman	NOUN
fsr-3355	326	38	&	&	CCONJ
fsr-3355	326	39	ruiz	ruiz	NOUN
fsr-3355	326	40	,	,	PUNCT
fsr-3355	326	41	2021	2021	NUM
fsr-3355	326	42	)	)	PUNCT
fsr-3355	326	43	.	.	PUNCT
fsr-3355	327	1	it	it	PRON
fsr-3355	327	2	may	may	AUX
fsr-3355	327	3	be	be	AUX
fsr-3355	327	4	possible	possible	ADJ
fsr-3355	327	5	that	that	SCONJ
fsr-3355	327	6	a	a	DET
fsr-3355	327	7	sense	sense	NOUN
fsr-3355	327	8	of	of	ADP
fsr-3355	327	9	isolation	isolation	NOUN
fsr-3355	327	10	and	and	CCONJ
fsr-3355	327	11	language	language	NOUN
fsr-3355	327	12	barriers	barrier	NOUN
fsr-3355	327	13	dissuade	dissuade	VERB
fsr-3355	327	14	these	these	DET
fsr-3355	327	15	individuals	individual	NOUN
fsr-3355	327	16	from	from	ADP
fsr-3355	327	17	seeking	seek	VERB
fsr-3355	327	18	financial	financial	ADJ
fsr-3355	327	19	advice	advice	NOUN
fsr-3355	327	20	(	(	PUNCT
fsr-3355	327	21	pisnanont	pisnanont	NOUN
fsr-3355	327	22	et	et	PROPN
fsr-3355	327	23	al	al	PROPN
fsr-3355	327	24	.	.	PROPN
fsr-3355	327	25	,	,	PUNCT
fsr-3355	327	26	2015	2015	NUM
fsr-3355	327	27	)	)	PUNCT
fsr-3355	327	28	.	.	PUNCT
fsr-3355	328	1	one	one	NUM
fsr-3355	328	2	final	final	ADJ
fsr-3355	328	3	point	point	NOUN
fsr-3355	328	4	is	be	AUX
fsr-3355	328	5	that	that	SCONJ
fsr-3355	328	6	hispanic	hispanic	ADJ
fsr-3355	328	7	and	and	CCONJ
fsr-3355	328	8	asian	asian	ADJ
fsr-3355	328	9	individuals	individual	NOUN
fsr-3355	328	10	may	may	AUX
fsr-3355	328	11	be	be	AUX
fsr-3355	328	12	more	more	ADV
fsr-3355	328	13	likely	likely	ADJ
fsr-3355	328	14	to	to	PART
fsr-3355	328	15	support	support	VERB
fsr-3355	328	16	aging	age	VERB
fsr-3355	328	17	parents	parent	NOUN
fsr-3355	328	18	and	and	CCONJ
fsr-3355	328	19	other	other	ADJ
fsr-3355	328	20	family	family	NOUN
fsr-3355	328	21	members	member	NOUN
fsr-3355	328	22	(	(	PUNCT
fsr-3355	328	23	merrill	merrill	PROPN
fsr-3355	328	24	lynch	lynch	PROPN
fsr-3355	328	25	,	,	PUNCT
fsr-3355	328	26	2023b	2023b	NUM
fsr-3355	328	27	;	;	PUNCT
fsr-3355	328	28	merrill	merrill	PROPN
fsr-3355	328	29	lynch	lynch	PROPN
fsr-3355	328	30	,	,	PUNCT
fsr-3355	328	31	2023a	2023a	NUM
fsr-3355	328	32	)	)	PUNCT
fsr-3355	328	33	.	.	PUNCT
fsr-3355	329	1	arguably	arguably	ADV
fsr-3355	329	2	,	,	PUNCT
fsr-3355	329	3	the	the	DET
fsr-3355	329	4	burden	burden	NOUN
fsr-3355	329	5	of	of	ADP
fsr-3355	329	6	supporting	support	VERB
fsr-3355	329	7	family	family	NOUN
fsr-3355	329	8	members	member	NOUN
fsr-3355	329	9	might	might	AUX
fsr-3355	329	10	warrant	warrant	VERB
fsr-3355	329	11	financial	financial	ADJ
fsr-3355	329	12	advice	advice	NOUN
fsr-3355	329	13	seeking	seeking	NOUN
fsr-3355	329	14	;	;	PUNCT
fsr-3355	329	15	however	however	ADV
fsr-3355	329	16	,	,	PUNCT
fsr-3355	329	17	it	it	PRON
fsr-3355	329	18	may	may	AUX
fsr-3355	329	19	also	also	ADV
fsr-3355	329	20	reduce	reduce	VERB
fsr-3355	329	21	one	one	NUM
fsr-3355	329	22	's	's	PART
fsr-3355	329	23	level	level	NOUN
fsr-3355	329	24	of	of	ADP
fsr-3355	329	25	disposable	disposable	ADJ
fsr-3355	329	26	income	income	NOUN
fsr-3355	329	27	.	.	PUNCT
fsr-3355	330	1	with	with	ADP
fsr-3355	330	2	less	less	ADV
fsr-3355	330	3	disposable	disposable	ADJ
fsr-3355	330	4	income	income	NOUN
fsr-3355	330	5	,	,	PUNCT
fsr-3355	330	6	these	these	DET
fsr-3355	330	7	consumers	consumer	NOUN
fsr-3355	330	8	may	may	AUX
fsr-3355	330	9	feel	feel	VERB
fsr-3355	330	10	that	that	SCONJ
fsr-3355	330	11	financial	financial	ADJ
fsr-3355	330	12	advice	advice	NOUN
fsr-3355	330	13	is	be	AUX
fsr-3355	330	14	too	too	ADV
fsr-3355	330	15	expensive	expensive	ADJ
fsr-3355	330	16	,	,	PUNCT
fsr-3355	330	17	or	or	CCONJ
fsr-3355	330	18	they	they	PRON
fsr-3355	330	19	do	do	AUX
fsr-3355	330	20	not	not	PART
fsr-3355	330	21	perceive	perceive	VERB
fsr-3355	330	22	themselves	themselves	PRON
fsr-3355	330	23	as	as	ADP
fsr-3355	330	24	having	have	VERB
fsr-3355	330	25	enough	enough	ADJ
fsr-3355	330	26	wealth	wealth	NOUN
fsr-3355	330	27	to	to	PART
fsr-3355	330	28	warrant	warrant	VERB
fsr-3355	330	29	seeking	seek	VERB
fsr-3355	330	30	advice	advice	NOUN
fsr-3355	330	31	.	.	PUNCT
fsr-3355	331	1	the	the	DET
fsr-3355	331	2	logistic	logistic	ADJ
fsr-3355	331	3	regression	regression	NOUN
fsr-3355	331	4	analyses	analysis	NOUN
fsr-3355	331	5	also	also	ADV
fsr-3355	331	6	showed	show	VERB
fsr-3355	331	7	that	that	SCONJ
fsr-3355	331	8	factors	factor	NOUN
fsr-3355	331	9	associated	associate	VERB
fsr-3355	331	10	with	with	ADP
fsr-3355	331	11	seeking	seek	VERB
fsr-3355	331	12	financial	financial	ADJ
fsr-3355	331	13	advice	advice	NOUN
fsr-3355	331	14	for	for	ADP
fsr-3355	331	15	savings	saving	NOUN
fsr-3355	331	16	and	and	CCONJ
fsr-3355	331	17	investing	investing	NOUN
fsr-3355	331	18	decisions	decision	NOUN
fsr-3355	331	19	were	be	AUX
fsr-3355	331	20	different	different	ADJ
fsr-3355	331	21	across	across	ADP
fsr-3355	331	22	racial	racial	ADJ
fsr-3355	331	23	/	/	SYM
fsr-3355	331	24	ethnic	ethnic	ADJ
fsr-3355	331	25	groups	group	NOUN
fsr-3355	331	26	,	,	PUNCT
fsr-3355	331	27	which	which	PRON
fsr-3355	331	28	supported	support	VERB
fsr-3355	331	29	hypothesis	hypothesis	NOUN
fsr-3355	331	30	4	4	NUM
fsr-3355	331	31	.	.	PUNCT
fsr-3355	332	1	for	for	ADP
fsr-3355	332	2	example	example	NOUN
fsr-3355	332	3	,	,	PUNCT
fsr-3355	332	4	net	net	ADJ
fsr-3355	332	5	worth	worth	NOUN
fsr-3355	332	6	and	and	CCONJ
fsr-3355	332	7	homeownership	homeownership	NOUN
fsr-3355	332	8	were	be	AUX
fsr-3355	332	9	significant	significant	ADJ
fsr-3355	332	10	,	,	PUNCT
fsr-3355	332	11	but	but	CCONJ
fsr-3355	332	12	only	only	ADV
fsr-3355	332	13	among	among	ADP
fsr-3355	332	14	white	white	ADJ
fsr-3355	332	15	consumers	consumer	NOUN
fsr-3355	332	16	.	.	PUNCT
fsr-3355	333	1	having	have	VERB
fsr-3355	333	2	an	an	DET
fsr-3355	333	3	education	education	NOUN
fsr-3355	333	4	beyond	beyond	ADP
fsr-3355	333	5	high	high	ADJ
fsr-3355	333	6	school	school	NOUN
fsr-3355	333	7	and	and	CCONJ
fsr-3355	333	8	age	age	NOUN
fsr-3355	333	9	were	be	AUX
fsr-3355	333	10	factors	factor	NOUN
fsr-3355	333	11	in	in	ADP
fsr-3355	333	12	seeking	seek	VERB
fsr-3355	333	13	advice	advice	NOUN
fsr-3355	333	14	for	for	ADP
fsr-3355	333	15	all	all	DET
fsr-3355	333	16	consumers	consumer	NOUN
fsr-3355	333	17	except	except	SCONJ
fsr-3355	333	18	for	for	ADP
fsr-3355	333	19	asian	asian	ADJ
fsr-3355	333	20	/	/	SYM
fsr-3355	333	21	other	other	ADJ
fsr-3355	333	22	consumers	consumer	NOUN
fsr-3355	333	23	.	.	PUNCT
fsr-3355	334	1	subjective	subjective	ADJ
fsr-3355	334	2	financial	financial	ADJ
fsr-3355	334	3	knowledge	knowledge	NOUN
fsr-3355	334	4	was	be	AUX
fsr-3355	334	5	a	a	DET
fsr-3355	334	6	positive	positive	ADJ
fsr-3355	334	7	and	and	CCONJ
fsr-3355	334	8	significant	significant	ADJ
fsr-3355	334	9	factor	factor	NOUN
fsr-3355	334	10	among	among	ADP
fsr-3355	334	11	black	black	ADJ
fsr-3355	334	12	and	and	CCONJ
fsr-3355	334	13	hispanic	hispanic	ADJ
fsr-3355	334	14	consumers	consumer	NOUN
fsr-3355	334	15	,	,	PUNCT
fsr-3355	334	16	while	while	SCONJ
fsr-3355	334	17	objective	objective	ADJ
fsr-3355	334	18	financial	financial	ADJ
fsr-3355	334	19	knowledge	knowledge	NOUN
fsr-3355	334	20	was	be	AUX
fsr-3355	334	21	a	a	DET
fsr-3355	334	22	positive	positive	ADJ
fsr-3355	334	23	and	and	CCONJ
fsr-3355	334	24	significant	significant	ADJ
fsr-3355	334	25	factor	factor	NOUN
fsr-3355	334	26	among	among	ADP
fsr-3355	334	27	white	white	ADJ
fsr-3355	334	28	and	and	CCONJ
fsr-3355	334	29	asian	asian	ADJ
fsr-3355	334	30	/	/	SYM
fsr-3355	334	31	other	other	ADJ
fsr-3355	334	32	consumers	consumer	NOUN
fsr-3355	334	33	.	.	PUNCT
fsr-3355	335	1	marriage	marriage	NOUN
fsr-3355	335	2	was	be	AUX
fsr-3355	335	3	significant	significant	ADJ
fsr-3355	335	4	only	only	ADV
fsr-3355	335	5	for	for	ADP
fsr-3355	335	6	hispanics	hispanic	NOUN
fsr-3355	335	7	and	and	CCONJ
fsr-3355	335	8	asians	asians	PROPN
fsr-3355	335	9	/	/	SYM
fsr-3355	335	10	others	other	NOUN
fsr-3355	335	11	.	.	PUNCT
fsr-3355	336	1	for	for	ADP
fsr-3355	336	2	black	black	ADJ
fsr-3355	336	3	consumers	consumer	NOUN
fsr-3355	336	4	,	,	PUNCT
fsr-3355	336	5	emergency	emergency	NOUN
fsr-3355	336	6	funds	fund	NOUN
fsr-3355	336	7	were	be	AUX
fsr-3355	336	8	positively	positively	ADV
fsr-3355	336	9	associated	associate	VERB
fsr-3355	336	10	with	with	ADP
fsr-3355	336	11	seeking	seek	VERB
fsr-3355	336	12	advice	advice	NOUN
fsr-3355	336	13	,	,	PUNCT
fsr-3355	336	14	while	while	SCONJ
fsr-3355	336	15	household	household	NOUN
fsr-3355	336	16	size	size	NOUN
fsr-3355	336	17	was	be	AUX
fsr-3355	336	18	negatively	negatively	ADV
fsr-3355	336	19	associated	associate	VERB
fsr-3355	336	20	.	.	PUNCT
fsr-3355	337	1	differences	difference	NOUN
fsr-3355	337	2	in	in	ADP
fsr-3355	337	3	family	family	NOUN
fsr-3355	337	4	dynamics	dynamic	NOUN
fsr-3355	337	5	,	,	PUNCT
fsr-3355	337	6	traditions	tradition	NOUN
fsr-3355	337	7	,	,	PUNCT
fsr-3355	337	8	customs	custom	NOUN
fsr-3355	337	9	,	,	PUNCT
fsr-3355	337	10	and	and	CCONJ
fsr-3355	337	11	culture	culture	NOUN
fsr-3355	337	12	and	and	CCONJ
fsr-3355	337	13	their	their	PRON
fsr-3355	337	14	influence	influence	NOUN
fsr-3355	337	15	on	on	ADP
fsr-3355	337	16	financial	financial	ADJ
fsr-3355	337	17	advice	advice	NOUN
fsr-3355	337	18	seeking	seek	VERB
fsr-3355	337	19	warrant	warrant	NOUN
fsr-3355	337	20	further	further	ADJ
fsr-3355	337	21	research	research	NOUN
fsr-3355	337	22	.	.	PUNCT
fsr-3355	338	1	no	no	DET
fsr-3355	338	2	significant	significant	ADJ
fsr-3355	338	3	difference	difference	NOUN
fsr-3355	338	4	was	be	AUX
fsr-3355	338	5	found	find	VERB
fsr-3355	338	6	between	between	ADP
fsr-3355	338	7	black	black	ADJ
fsr-3355	338	8	and	and	CCONJ
fsr-3355	338	9	white	white	ADJ
fsr-3355	338	10	respondents	respondent	NOUN
fsr-3355	338	11	seeking	seek	VERB
fsr-3355	338	12	financial	financial	ADJ
fsr-3355	338	13	advice	advice	NOUN
fsr-3355	338	14	for	for	ADP
fsr-3355	338	15	saving	saving	NOUN
fsr-3355	338	16	and	and	CCONJ
fsr-3355	338	17	investment	investment	NOUN
fsr-3355	338	18	decisions	decision	NOUN
fsr-3355	338	19	,	,	PUNCT
fsr-3355	338	20	and	and	CCONJ
fsr-3355	338	21	as	as	ADP
fsr-3355	338	22	such	such	ADJ
fsr-3355	338	23	,	,	PUNCT
fsr-3355	338	24	hypothesis	hypothesis	NOUN
fsr-3355	338	25	1	1	NUM
fsr-3355	338	26	was	be	AUX
fsr-3355	338	27	not	not	PART
fsr-3355	338	28	supported	support	VERB
fsr-3355	338	29	.	.	PUNCT
fsr-3355	339	1	this	this	PRON
fsr-3355	339	2	contradicts	contradict	VERB
fsr-3355	339	3	some	some	DET
fsr-3355	339	4	previous	previous	ADJ
fsr-3355	339	5	studies	study	NOUN
fsr-3355	339	6	that	that	PRON
fsr-3355	339	7	found	find	VERB
fsr-3355	339	8	differences	difference	NOUN
fsr-3355	339	9	in	in	ADP
fsr-3355	339	10	blackwhite	blackwhite	ADJ
fsr-3355	339	11	financial	financial	ADJ
fsr-3355	339	12	planner	planner	NOUN
fsr-3355	339	13	use	use	NOUN
fsr-3355	339	14	(	(	PUNCT
fsr-3355	339	15	chang	chang	PROPN
fsr-3355	339	16	,	,	PUNCT
fsr-3355	339	17	2005	2005	NUM
fsr-3355	339	18	;	;	PUNCT
fsr-3355	339	19	elmerick	elmerick	VERB
fsr-3355	339	20	et	et	PROPN
fsr-3355	339	21	al	al	PROPN
fsr-3355	339	22	.	.	PROPN
fsr-3355	339	23	,	,	PUNCT
fsr-3355	339	24	2002	2002	NUM
fsr-3355	339	25	;	;	PUNCT
fsr-3355	339	26	hanna	hanna	PROPN
fsr-3355	339	27	,	,	PUNCT
fsr-3355	339	28	2011	2011	NUM
fsr-3355	339	29	;	;	PUNCT
fsr-3355	339	30	reiter	reiter	PROPN
fsr-3355	339	31	&	&	CCONJ
fsr-3355	339	32	qing	qing	PROPN
fsr-3355	339	33	,	,	PUNCT
fsr-3355	339	34	2023	2023	NUM
fsr-3355	339	35	)	)	PUNCT
fsr-3355	339	36	.	.	PUNCT
fsr-3355	340	1	however	however	ADV
fsr-3355	340	2	,	,	PUNCT
fsr-3355	340	3	the	the	DET
fsr-3355	340	4	discrepancy	discrepancy	NOUN
fsr-3355	340	5	may	may	AUX
fsr-3355	340	6	be	be	AUX
fsr-3355	340	7	related	relate	VERB
fsr-3355	340	8	to	to	ADP
fsr-3355	340	9	the	the	DET
fsr-3355	340	10	fact	fact	NOUN
fsr-3355	340	11	that	that	SCONJ
fsr-3355	340	12	some	some	DET
fsr-3355	340	13	previous	previous	ADJ
fsr-3355	340	14	studies	study	NOUN
fsr-3355	340	15	investigated	investigate	VERB
fsr-3355	340	16	financial	financial	ADJ
fsr-3355	340	17	professional	professional	ADJ
fsr-3355	340	18	usage	usage	NOUN
fsr-3355	340	19	by	by	ADP
fsr-3355	340	20	including	include	VERB
fsr-3355	340	21	financial	financial	ADJ
fsr-3355	340	22	advice	advice	NOUN
fsr-3355	340	23	seeking	seek	VERB
fsr-3355	340	24	behavior	behavior	NOUN
fsr-3355	340	25	around	around	ADP
fsr-3355	340	26	debt	debt	NOUN
fsr-3355	340	27	,	,	PUNCT
fsr-3355	340	28	which	which	PRON
fsr-3355	340	29	this	this	DET
fsr-3355	340	30	study	study	NOUN
fsr-3355	340	31	excluded	exclude	VERB
fsr-3355	340	32	,	,	PUNCT
fsr-3355	340	33	or	or	CCONJ
fsr-3355	340	34	by	by	ADP
fsr-3355	340	35	defining	define	VERB
fsr-3355	340	36	financial	financial	ADJ
fsr-3355	340	37	planner	planner	NOUN
fsr-3355	340	38	differently	differently	ADV
fsr-3355	340	39	than	than	ADP
fsr-3355	340	40	the	the	DET
fsr-3355	340	41	current	current	ADJ
fsr-3355	340	42	study	study	NOUN
fsr-3355	340	43	.	.	PUNCT
fsr-3355	341	1	fairlie	fairlie	PROPN
fsr-3355	341	2	’s	’s	PART
fsr-3355	341	3	decomposition	decomposition	NOUN
fsr-3355	341	4	estimation	estimation	NOUN
fsr-3355	341	5	(	(	PUNCT
fsr-3355	341	6	2005	2005	NUM
fsr-3355	341	7	)	)	PUNCT
fsr-3355	341	8	was	be	AUX
fsr-3355	341	9	employed	employ	VERB
fsr-3355	341	10	to	to	PART
fsr-3355	341	11	investigate	investigate	VERB
fsr-3355	341	12	the	the	DET
fsr-3355	341	13	most	most	ADV
fsr-3355	341	14	important	important	ADJ
fsr-3355	341	15	determinants	determinant	NOUN
fsr-3355	341	16	that	that	PRON
fsr-3355	341	17	explain	explain	VERB
fsr-3355	341	18	the	the	DET
fsr-3355	341	19	racial	racial	ADJ
fsr-3355	341	20	/	/	SYM
fsr-3355	341	21	ethnic	ethnic	ADJ
fsr-3355	341	22	gaps	gap	NOUN
fsr-3355	341	23	in	in	ADP
fsr-3355	341	24	financial	financial	ADJ
fsr-3355	341	25	planner	planner	NOUN
fsr-3355	341	26	use	use	NOUN
fsr-3355	341	27	.	.	PUNCT
fsr-3355	342	1	results	result	NOUN
fsr-3355	342	2	indicated	indicate	VERB
fsr-3355	342	3	that	that	SCONJ
fsr-3355	342	4	the	the	DET
fsr-3355	342	5	determinants	determinant	NOUN
fsr-3355	342	6	used	use	VERB
fsr-3355	342	7	to	to	PART
fsr-3355	342	8	explain	explain	VERB
fsr-3355	342	9	the	the	DET
fsr-3355	342	10	racial	racial	ADJ
fsr-3355	342	11	/	/	SYM
fsr-3355	342	12	ethnic	ethnic	ADJ
fsr-3355	342	13	disparities	disparity	NOUN
fsr-3355	342	14	in	in	ADP
fsr-3355	342	15	seeking	seek	VERB
fsr-3355	342	16	financial	financial	ADJ
fsr-3355	342	17	advice	advice	NOUN
fsr-3355	342	18	for	for	ADP
fsr-3355	342	19	savings	saving	NOUN
fsr-3355	342	20	and	and	CCONJ
fsr-3355	342	21	investing	investing	NOUN
fsr-3355	342	22	decisions	decision	NOUN
fsr-3355	342	23	differed	differ	VERB
fsr-3355	342	24	between	between	ADP
fsr-3355	342	25	racial	racial	ADJ
fsr-3355	342	26	/	/	SYM
fsr-3355	342	27	ethnic	ethnic	ADJ
fsr-3355	342	28	groups	group	NOUN
fsr-3355	342	29	,	,	PUNCT
fsr-3355	342	30	supporting	support	VERB
fsr-3355	342	31	hypothesis	hypothesis	NOUN
fsr-3355	342	32	5	5	NUM
fsr-3355	342	33	.	.	PUNCT
fsr-3355	343	1	the	the	DET
fsr-3355	343	2	findings	finding	NOUN
fsr-3355	343	3	show	show	VERB
fsr-3355	343	4	that	that	SCONJ
fsr-3355	343	5	white	white	ADJ
fsr-3355	343	6	and	and	CCONJ
fsr-3355	343	7	hispanic	hispanic	ADJ
fsr-3355	343	8	households	household	NOUN
fsr-3355	343	9	had	have	VERB
fsr-3355	343	10	the	the	DET
fsr-3355	343	11	most	most	ADV
fsr-3355	343	12	significant	significant	ADJ
fsr-3355	343	13	total	total	ADJ
fsr-3355	343	14	difference	difference	NOUN
fsr-3355	343	15	between	between	ADP
fsr-3355	343	16	groups	group	NOUN
fsr-3355	343	17	(	(	PUNCT
fsr-3355	343	18	0.1892	0.1892	NUM
fsr-3355	343	19	)	)	PUNCT
fsr-3355	343	20	,	,	PUNCT
fsr-3355	343	21	and	and	CCONJ
fsr-3355	343	22	black	black	ADJ
fsr-3355	343	23	and	and	CCONJ
fsr-3355	343	24	hispanic	hispanic	ADJ
fsr-3355	343	25	households	household	NOUN
fsr-3355	343	26	had	have	VERB
fsr-3355	343	27	the	the	DET
fsr-3355	343	28	least	least	ADJ
fsr-3355	343	29	significant	significant	ADJ
fsr-3355	343	30	total	total	ADJ
fsr-3355	343	31	difference	difference	NOUN
fsr-3355	343	32	between	between	ADP
fsr-3355	343	33	groups	group	NOUN
fsr-3355	343	34	(	(	PUNCT
fsr-3355	343	35	0.0493	0.0493	NUM
fsr-3355	343	36	)	)	PUNCT
fsr-3355	343	37	.	.	PUNCT
fsr-3355	344	1	previous	previous	ADJ
fsr-3355	344	2	research	research	NOUN
fsr-3355	344	3	indicates	indicate	VERB
fsr-3355	344	4	that	that	SCONJ
fsr-3355	344	5	black	black	ADJ
fsr-3355	344	6	and	and	CCONJ
fsr-3355	344	7	hispanic	hispanic	ADJ
fsr-3355	344	8	consumers	consumer	NOUN
fsr-3355	344	9	track	track	VERB
fsr-3355	344	10	similarly	similarly	ADV
fsr-3355	344	11	in	in	ADP
fsr-3355	344	12	the	the	DET
fsr-3355	344	13	personal	personal	ADJ
fsr-3355	344	14	finance	finance	NOUN
fsr-3355	344	15	domain	domain	NOUN
fsr-3355	344	16	(	(	PUNCT
fsr-3355	344	17	white	white	PROPN
fsr-3355	344	18	et	et	PROPN
fsr-3355	344	19	al	al	PROPN
fsr-3355	344	20	.	.	PROPN
fsr-3355	344	21	,	,	PUNCT
fsr-3355	344	22	2021	2021	NUM
fsr-3355	344	23	)	)	PUNCT
fsr-3355	344	24	.	.	PUNCT
fsr-3355	345	1	at	at	ADP
fsr-3355	345	2	the	the	DET
fsr-3355	345	3	same	same	ADJ
fsr-3355	345	4	time	time	NOUN
fsr-3355	345	5	,	,	PUNCT
fsr-3355	345	6	cultural	cultural	ADJ
fsr-3355	345	7	,	,	PUNCT
fsr-3355	345	8	language	language	NOUN
fsr-3355	345	9	,	,	PUNCT
fsr-3355	345	10	and	and	CCONJ
fsr-3355	345	11	migration	migration	NOUN
fsr-3355	345	12	differences	difference	NOUN
fsr-3355	345	13	may	may	AUX
fsr-3355	345	14	explain	explain	VERB
fsr-3355	345	15	why	why	SCONJ
fsr-3355	345	16	there	there	PRON
fsr-3355	345	17	are	be	VERB
fsr-3355	345	18	differences	difference	NOUN
fsr-3355	345	19	in	in	ADP
fsr-3355	345	20	financial	financial	ADJ
fsr-3355	345	21	planner	planner	NOUN
fsr-3355	345	22	use	use	NOUN
fsr-3355	345	23	when	when	SCONJ
fsr-3355	345	24	these	these	DET
fsr-3355	345	25	two	two	NUM
fsr-3355	345	26	groups	group	NOUN
fsr-3355	345	27	qing	qe	VERB
fsr-3355	345	28	&	&	CCONJ
fsr-3355	345	29	reiter	reiter	PROPN
fsr-3355	345	30	43	43	NUM
fsr-3355	345	31	are	be	AUX
fsr-3355	345	32	compared	compare	VERB
fsr-3355	345	33	.	.	PUNCT
fsr-3355	346	1	this	this	DET
fsr-3355	346	2	difference	difference	NOUN
fsr-3355	346	3	deserves	deserve	VERB
fsr-3355	346	4	further	further	ADJ
fsr-3355	346	5	investigation	investigation	NOUN
fsr-3355	346	6	.	.	PUNCT
fsr-3355	347	1	the	the	DET
fsr-3355	347	2	decomposition	decomposition	NOUN
fsr-3355	347	3	analyses	analysis	NOUN
fsr-3355	347	4	found	find	VERB
fsr-3355	347	5	that	that	SCONJ
fsr-3355	347	6	risk	risk	NOUN
fsr-3355	347	7	tolerance	tolerance	NOUN
fsr-3355	347	8	was	be	AUX
fsr-3355	347	9	a	a	DET
fsr-3355	347	10	key	key	ADJ
fsr-3355	347	11	variable	variable	NOUN
fsr-3355	347	12	in	in	ADP
fsr-3355	347	13	explaining	explain	VERB
fsr-3355	347	14	racial	racial	ADJ
fsr-3355	347	15	/	/	SYM
fsr-3355	347	16	ethnic	ethnic	ADJ
fsr-3355	347	17	differences	difference	NOUN
fsr-3355	347	18	in	in	ADP
fsr-3355	347	19	financial	financial	ADJ
fsr-3355	347	20	advice	advice	NOUN
fsr-3355	347	21	seeking	seeking	NOUN
fsr-3355	347	22	.	.	PUNCT
fsr-3355	348	1	in	in	ADP
fsr-3355	348	2	four	four	NUM
fsr-3355	348	3	out	out	ADP
fsr-3355	348	4	of	of	ADP
fsr-3355	348	5	six	six	NUM
fsr-3355	348	6	pairwise	pairwise	NOUN
fsr-3355	348	7	decomposition	decomposition	NOUN
fsr-3355	348	8	analyses	analysis	NOUN
fsr-3355	348	9	,	,	PUNCT
fsr-3355	348	10	risk	risk	NOUN
fsr-3355	348	11	tolerance	tolerance	NOUN
fsr-3355	348	12	was	be	AUX
fsr-3355	348	13	attributed	attribute	VERB
fsr-3355	348	14	to	to	ADP
fsr-3355	348	15	differences	difference	NOUN
fsr-3355	348	16	,	,	PUNCT
fsr-3355	348	17	and	and	CCONJ
fsr-3355	348	18	it	it	PRON
fsr-3355	348	19	explained	explain	VERB
fsr-3355	348	20	most	most	ADJ
fsr-3355	348	21	of	of	ADP
fsr-3355	348	22	the	the	DET
fsr-3355	348	23	differences	difference	NOUN
fsr-3355	348	24	in	in	ADP
fsr-3355	348	25	using	use	VERB
fsr-3355	348	26	a	a	DET
fsr-3355	348	27	financial	financial	ADJ
fsr-3355	348	28	planner	planner	NOUN
fsr-3355	348	29	between	between	ADP
fsr-3355	348	30	white	white	ADJ
fsr-3355	348	31	and	and	CCONJ
fsr-3355	348	32	hispanic	hispanic	ADJ
fsr-3355	348	33	households	household	NOUN
fsr-3355	348	34	and	and	CCONJ
fsr-3355	348	35	asian	asian	ADJ
fsr-3355	348	36	/	/	SYM
fsr-3355	348	37	other	other	ADJ
fsr-3355	348	38	and	and	CCONJ
fsr-3355	348	39	hispanic	hispanic	ADJ
fsr-3355	348	40	households	household	NOUN
fsr-3355	348	41	.	.	PUNCT
fsr-3355	349	1	this	this	DET
fsr-3355	349	2	finding	finding	NOUN
fsr-3355	349	3	is	be	AUX
fsr-3355	349	4	consistent	consistent	ADJ
fsr-3355	349	5	with	with	ADP
fsr-3355	349	6	previous	previous	ADJ
fsr-3355	349	7	research	research	NOUN
fsr-3355	349	8	in	in	ADP
fsr-3355	349	9	that	that	DET
fsr-3355	349	10	risk	risk	NOUN
fsr-3355	349	11	tolerance	tolerance	NOUN
fsr-3355	349	12	has	have	AUX
fsr-3355	349	13	been	be	AUX
fsr-3355	349	14	positively	positively	ADV
fsr-3355	349	15	associated	associate	VERB
fsr-3355	349	16	with	with	ADP
fsr-3355	349	17	financial	financial	ADJ
fsr-3355	349	18	advice	advice	NOUN
fsr-3355	349	19	seeking	seeking	NOUN
fsr-3355	349	20	(	(	PUNCT
fsr-3355	349	21	chang	chang	PROPN
fsr-3355	349	22	,	,	PUNCT
fsr-3355	349	23	2005	2005	NUM
fsr-3355	349	24	;	;	PUNCT
fsr-3355	349	25	joo	joo	PROPN
fsr-3355	349	26	&	&	CCONJ
fsr-3355	349	27	grable	grable	PROPN
fsr-3355	349	28	,	,	PUNCT
fsr-3355	349	29	2001	2001	NUM
fsr-3355	349	30	;	;	PUNCT
fsr-3355	349	31	moreland	moreland	PROPN
fsr-3355	349	32	,	,	PUNCT
fsr-3355	349	33	2018	2018	NUM
fsr-3355	349	34	;	;	PUNCT
fsr-3355	349	35	white	white	PROPN
fsr-3355	349	36	&	&	CCONJ
fsr-3355	349	37	heckman	heckman	PROPN
fsr-3355	349	38	,	,	PUNCT
fsr-3355	349	39	2016	2016	NUM
fsr-3355	349	40	)	)	PUNCT
fsr-3355	349	41	.	.	PUNCT
fsr-3355	350	1	in	in	ADP
fsr-3355	350	2	addition	addition	NOUN
fsr-3355	350	3	,	,	PUNCT
fsr-3355	350	4	research	research	NOUN
fsr-3355	350	5	has	have	AUX
fsr-3355	350	6	pointed	point	VERB
fsr-3355	350	7	to	to	ADP
fsr-3355	350	8	racial	racial	ADJ
fsr-3355	350	9	/	/	SYM
fsr-3355	350	10	ethnic	ethnic	ADJ
fsr-3355	350	11	differences	difference	NOUN
fsr-3355	350	12	in	in	ADP
fsr-3355	350	13	risk	risk	NOUN
fsr-3355	350	14	tolerance	tolerance	NOUN
fsr-3355	350	15	between	between	ADP
fsr-3355	350	16	whites	white	NOUN
fsr-3355	350	17	and	and	CCONJ
fsr-3355	350	18	hispanics	hispanic	NOUN
fsr-3355	350	19	,	,	PUNCT
fsr-3355	350	20	with	with	ADP
fsr-3355	350	21	hispanic	hispanic	ADJ
fsr-3355	350	22	consumers	consumer	NOUN
fsr-3355	350	23	generally	generally	ADV
fsr-3355	350	24	taking	take	VERB
fsr-3355	350	25	less	less	ADJ
fsr-3355	350	26	risk	risk	NOUN
fsr-3355	350	27	(	(	PUNCT
fsr-3355	350	28	fisher	fisher	NOUN
fsr-3355	350	29	,	,	PUNCT
fsr-3355	350	30	2020	2020	NUM
fsr-3355	350	31	)	)	PUNCT
fsr-3355	350	32	.	.	PUNCT
fsr-3355	351	1	previous	previous	ADJ
fsr-3355	351	2	studies	study	NOUN
fsr-3355	351	3	have	have	AUX
fsr-3355	351	4	shown	show	VERB
fsr-3355	351	5	that	that	SCONJ
fsr-3355	351	6	objective	objective	ADJ
fsr-3355	351	7	financial	financial	ADJ
fsr-3355	351	8	knowledge	knowledge	NOUN
fsr-3355	351	9	is	be	AUX
fsr-3355	351	10	positively	positively	ADV
fsr-3355	351	11	related	relate	VERB
fsr-3355	351	12	to	to	ADP
fsr-3355	351	13	seeking	seek	VERB
fsr-3355	351	14	financial	financial	ADJ
fsr-3355	351	15	advice	advice	NOUN
fsr-3355	351	16	(	(	PUNCT
fsr-3355	351	17	alyousif	alyousif	NOUN
fsr-3355	351	18	&	&	CCONJ
fsr-3355	351	19	kalenkoski	kalenkoski	PROPN
fsr-3355	351	20	,	,	PUNCT
fsr-3355	351	21	2017	2017	NUM
fsr-3355	351	22	;	;	PUNCT
fsr-3355	351	23	calcagno	calcagno	NOUN
fsr-3355	351	24	&	&	CCONJ
fsr-3355	351	25	monticone	monticone	PROPN
fsr-3355	351	26	,	,	PUNCT
fsr-3355	351	27	2015	2015	NUM
fsr-3355	351	28	;	;	PUNCT
fsr-3355	351	29	seay	seay	PROPN
fsr-3355	351	30	et	et	PROPN
fsr-3355	351	31	al	al	PROPN
fsr-3355	351	32	.	.	PROPN
fsr-3355	351	33	,	,	PUNCT
fsr-3355	351	34	2016	2016	NUM
fsr-3355	351	35	)	)	PUNCT
fsr-3355	351	36	.	.	PUNCT
fsr-3355	352	1	our	our	PRON
fsr-3355	352	2	decomposition	decomposition	NOUN
fsr-3355	352	3	estimations	estimation	NOUN
fsr-3355	352	4	showed	show	VERB
fsr-3355	352	5	that	that	SCONJ
fsr-3355	352	6	in	in	ADP
fsr-3355	352	7	three	three	NUM
fsr-3355	352	8	out	out	ADP
fsr-3355	352	9	of	of	ADP
fsr-3355	352	10	six	six	NUM
fsr-3355	352	11	specifications	specification	NOUN
fsr-3355	352	12	,	,	PUNCT
fsr-3355	352	13	objective	objective	ADJ
fsr-3355	352	14	financial	financial	ADJ
fsr-3355	352	15	knowledge	knowledge	NOUN
fsr-3355	352	16	was	be	AUX
fsr-3355	352	17	a	a	DET
fsr-3355	352	18	key	key	ADJ
fsr-3355	352	19	indicator	indicator	NOUN
fsr-3355	352	20	for	for	ADP
fsr-3355	352	21	racial	racial	ADJ
fsr-3355	352	22	/	/	SYM
fsr-3355	352	23	ethnic	ethnic	ADJ
fsr-3355	352	24	differences	difference	NOUN
fsr-3355	352	25	in	in	ADP
fsr-3355	352	26	financial	financial	ADJ
fsr-3355	352	27	planner	planner	NOUN
fsr-3355	352	28	use	use	NOUN
fsr-3355	352	29	.	.	PUNCT
fsr-3355	353	1	there	there	PRON
fsr-3355	353	2	has	have	AUX
fsr-3355	353	3	been	be	AUX
fsr-3355	353	4	an	an	DET
fsr-3355	353	5	ongoing	ongoing	ADJ
fsr-3355	353	6	discussion	discussion	NOUN
fsr-3355	353	7	on	on	ADP
fsr-3355	353	8	how	how	SCONJ
fsr-3355	353	9	to	to	PART
fsr-3355	353	10	improve	improve	VERB
fsr-3355	353	11	racial	racial	ADJ
fsr-3355	353	12	/	/	SYM
fsr-3355	353	13	ethnic	ethnic	ADJ
fsr-3355	353	14	differences	difference	NOUN
fsr-3355	353	15	in	in	ADP
fsr-3355	353	16	objective	objective	ADJ
fsr-3355	353	17	financial	financial	ADJ
fsr-3355	353	18	knowledge	knowledge	NOUN
fsr-3355	353	19	,	,	PUNCT
fsr-3355	353	20	and	and	CCONJ
fsr-3355	353	21	our	our	PRON
fsr-3355	353	22	findings	finding	NOUN
fsr-3355	353	23	serve	serve	VERB
fsr-3355	353	24	as	as	ADP
fsr-3355	353	25	further	further	ADJ
fsr-3355	353	26	evidence	evidence	NOUN
fsr-3355	353	27	that	that	SCONJ
fsr-3355	353	28	this	this	PRON
fsr-3355	353	29	is	be	AUX
fsr-3355	353	30	a	a	DET
fsr-3355	353	31	worthy	worthy	ADJ
fsr-3355	353	32	cause	cause	NOUN
fsr-3355	353	33	.	.	PUNCT
fsr-3355	354	1	findings	finding	NOUN
fsr-3355	354	2	indicate	indicate	VERB
fsr-3355	354	3	that	that	PRON
fsr-3355	354	4	black	black	ADJ
fsr-3355	354	5	and	and	CCONJ
fsr-3355	354	6	hispanic	hispanic	ADJ
fsr-3355	354	7	consumers	consumer	NOUN
fsr-3355	354	8	often	often	ADV
fsr-3355	354	9	have	have	VERB
fsr-3355	354	10	lower	low	ADJ
fsr-3355	354	11	levels	level	NOUN
fsr-3355	354	12	of	of	ADP
fsr-3355	354	13	financial	financial	ADJ
fsr-3355	354	14	literacy	literacy	NOUN
fsr-3355	354	15	than	than	ADP
fsr-3355	354	16	white	white	ADJ
fsr-3355	354	17	consumers	consumer	NOUN
fsr-3355	354	18	(	(	PUNCT
fsr-3355	354	19	anong	anong	PROPN
fsr-3355	354	20	,	,	PUNCT
fsr-3355	354	21	2016	2016	NUM
fsr-3355	354	22	;	;	PUNCT
fsr-3355	354	23	porto	porto	PROPN
fsr-3355	354	24	,	,	PUNCT
fsr-3355	354	25	2016	2016	NUM
fsr-3355	354	26	)	)	PUNCT
fsr-3355	354	27	and	and	CCONJ
fsr-3355	354	28	face	face	VERB
fsr-3355	354	29	barriers	barrier	NOUN
fsr-3355	354	30	to	to	ADP
fsr-3355	354	31	accessing	access	VERB
fsr-3355	354	32	the	the	DET
fsr-3355	354	33	resources	resource	NOUN
fsr-3355	354	34	and	and	CCONJ
fsr-3355	354	35	services	service	NOUN
fsr-3355	354	36	necessary	necessary	ADJ
fsr-3355	354	37	for	for	ADP
fsr-3355	354	38	improving	improve	VERB
fsr-3355	354	39	financial	financial	ADJ
fsr-3355	354	40	knowledge	knowledge	NOUN
fsr-3355	354	41	.	.	PUNCT
fsr-3355	355	1	while	while	SCONJ
fsr-3355	355	2	it	it	PRON
fsr-3355	355	3	is	be	AUX
fsr-3355	355	4	easy	easy	ADJ
fsr-3355	355	5	to	to	PART
fsr-3355	355	6	suggest	suggest	VERB
fsr-3355	355	7	that	that	SCONJ
fsr-3355	355	8	these	these	DET
fsr-3355	355	9	groups	group	NOUN
fsr-3355	355	10	need	need	VERB
fsr-3355	355	11	more	more	ADJ
fsr-3355	355	12	education	education	NOUN
fsr-3355	355	13	,	,	PUNCT
fsr-3355	355	14	it	it	PRON
fsr-3355	355	15	might	might	AUX
fsr-3355	355	16	be	be	AUX
fsr-3355	355	17	more	more	ADV
fsr-3355	355	18	effective	effective	ADJ
fsr-3355	355	19	to	to	PART
fsr-3355	355	20	consider	consider	VERB
fsr-3355	355	21	the	the	DET
fsr-3355	355	22	policy	policy	NOUN
fsr-3355	355	23	and	and	CCONJ
fsr-3355	355	24	institutional	institutional	ADJ
fsr-3355	355	25	changes	change	NOUN
fsr-3355	355	26	that	that	PRON
fsr-3355	355	27	can	can	AUX
fsr-3355	355	28	be	be	AUX
fsr-3355	355	29	made	make	VERB
fsr-3355	355	30	to	to	PART
fsr-3355	355	31	improve	improve	VERB
fsr-3355	355	32	their	their	PRON
fsr-3355	355	33	realities	reality	NOUN
fsr-3355	355	34	.	.	PUNCT
fsr-3355	356	1	some	some	PRON
fsr-3355	356	2	may	may	AUX
fsr-3355	356	3	argue	argue	VERB
fsr-3355	356	4	that	that	SCONJ
fsr-3355	356	5	individual	individual	ADJ
fsr-3355	356	6	or	or	CCONJ
fsr-3355	356	7	group	group	NOUN
fsr-3355	356	8	characteristics	characteristic	NOUN
fsr-3355	356	9	are	be	AUX
fsr-3355	356	10	to	to	PART
fsr-3355	356	11	blame	blame	VERB
fsr-3355	356	12	for	for	ADP
fsr-3355	356	13	low	low	ADJ
fsr-3355	356	14	financial	financial	ADJ
fsr-3355	356	15	literacy	literacy	NOUN
fsr-3355	356	16	in	in	ADP
fsr-3355	356	17	black	black	ADJ
fsr-3355	356	18	and	and	CCONJ
fsr-3355	356	19	hispanic	hispanic	ADJ
fsr-3355	356	20	groups	group	NOUN
fsr-3355	356	21	.	.	PUNCT
fsr-3355	357	1	however	however	ADV
fsr-3355	357	2	,	,	PUNCT
fsr-3355	357	3	history	history	NOUN
fsr-3355	357	4	suggests	suggest	VERB
fsr-3355	357	5	that	that	SCONJ
fsr-3355	357	6	systemic	systemic	ADJ
fsr-3355	357	7	socioeconomic	socioeconomic	ADJ
fsr-3355	357	8	and	and	CCONJ
fsr-3355	357	9	political	political	ADJ
fsr-3355	357	10	barriers	barrier	NOUN
fsr-3355	357	11	,	,	PUNCT
fsr-3355	357	12	as	as	ADV
fsr-3355	357	13	well	well	ADV
fsr-3355	357	14	as	as	ADP
fsr-3355	357	15	discrimination	discrimination	NOUN
fsr-3355	357	16	,	,	PUNCT
fsr-3355	357	17	have	have	VERB
fsr-3355	357	18	roles	role	NOUN
fsr-3355	357	19	to	to	PART
fsr-3355	357	20	play	play	VERB
fsr-3355	357	21	as	as	ADV
fsr-3355	357	22	well	well	ADV
fsr-3355	357	23	(	(	PUNCT
fsr-3355	357	24	hamilton	hamilton	PROPN
fsr-3355	357	25	&	&	CCONJ
fsr-3355	357	26	darity	darity	PROPN
fsr-3355	357	27	,	,	PUNCT
fsr-3355	357	28	2017	2017	NUM
fsr-3355	357	29	)	)	PUNCT
fsr-3355	357	30	.	.	PUNCT
fsr-3355	358	1	as	as	ADP
fsr-3355	358	2	such	such	ADJ
fsr-3355	358	3	,	,	PUNCT
fsr-3355	358	4	policymakers	policymaker	NOUN
fsr-3355	358	5	should	should	AUX
fsr-3355	358	6	seek	seek	VERB
fsr-3355	358	7	effective	effective	ADJ
fsr-3355	358	8	solutions	solution	NOUN
fsr-3355	358	9	to	to	PART
fsr-3355	358	10	increase	increase	VERB
fsr-3355	358	11	the	the	DET
fsr-3355	358	12	financial	financial	ADJ
fsr-3355	358	13	literacy	literacy	NOUN
fsr-3355	358	14	levels	level	NOUN
fsr-3355	358	15	of	of	ADP
fsr-3355	358	16	marginalized	marginalize	VERB
fsr-3355	358	17	groups	group	NOUN
fsr-3355	358	18	.	.	PUNCT
fsr-3355	359	1	however	however	ADV
fsr-3355	359	2	,	,	PUNCT
fsr-3355	359	3	lifting	lift	VERB
fsr-3355	359	4	financial	financial	ADJ
fsr-3355	359	5	literacy	literacy	NOUN
fsr-3355	359	6	levels	level	NOUN
fsr-3355	359	7	alone	alone	ADV
fsr-3355	359	8	is	be	AUX
fsr-3355	359	9	not	not	PART
fsr-3355	359	10	enough	enough	ADJ
fsr-3355	359	11	.	.	PUNCT
fsr-3355	360	1	financial	financial	ADJ
fsr-3355	360	2	literacy	literacy	NOUN
fsr-3355	360	3	is	be	AUX
fsr-3355	360	4	also	also	ADV
fsr-3355	360	5	associated	associate	VERB
fsr-3355	360	6	with	with	ADP
fsr-3355	360	7	other	other	ADJ
fsr-3355	360	8	factors	factor	NOUN
fsr-3355	360	9	,	,	PUNCT
fsr-3355	360	10	such	such	ADJ
fsr-3355	360	11	as	as	ADP
fsr-3355	360	12	higher	high	ADJ
fsr-3355	360	13	educational	educational	ADJ
fsr-3355	360	14	levels	level	NOUN
fsr-3355	360	15	,	,	PUNCT
fsr-3355	360	16	so	so	SCONJ
fsr-3355	360	17	a	a	DET
fsr-3355	360	18	holistic	holistic	ADJ
fsr-3355	360	19	approach	approach	NOUN
fsr-3355	360	20	to	to	ADP
fsr-3355	360	21	financial	financial	ADJ
fsr-3355	360	22	well	well	ADV
fsr-3355	360	23	-	-	PUNCT
fsr-3355	360	24	being	being	NOUN
fsr-3355	360	25	is	be	AUX
fsr-3355	360	26	necessary	necessary	ADJ
fsr-3355	360	27	.	.	PUNCT
fsr-3355	361	1	income	income	NOUN
fsr-3355	361	2	has	have	AUX
fsr-3355	361	3	been	be	AUX
fsr-3355	361	4	positively	positively	ADV
fsr-3355	361	5	associated	associate	VERB
fsr-3355	361	6	with	with	ADP
fsr-3355	361	7	financial	financial	ADJ
fsr-3355	361	8	planner	planner	NOUN
fsr-3355	361	9	use	use	NOUN
fsr-3355	361	10	in	in	ADP
fsr-3355	361	11	prior	prior	ADJ
fsr-3355	361	12	research	research	NOUN
fsr-3355	361	13	(	(	PUNCT
fsr-3355	361	14	elmerick	elmerick	NOUN
fsr-3355	361	15	et	et	PROPN
fsr-3355	361	16	al	al	PROPN
fsr-3355	361	17	.	.	PROPN
fsr-3355	361	18	,	,	PUNCT
fsr-3355	361	19	2002	2002	NUM
fsr-3355	361	20	;	;	PUNCT
fsr-3355	361	21	hanna	hanna	PROPN
fsr-3355	361	22	,	,	PUNCT
fsr-3355	361	23	2011	2011	NUM
fsr-3355	361	24	)	)	PUNCT
fsr-3355	361	25	,	,	PUNCT
fsr-3355	361	26	and	and	CCONJ
fsr-3355	361	27	the	the	DET
fsr-3355	361	28	decomposition	decomposition	NOUN
fsr-3355	361	29	analyses	analysis	NOUN
fsr-3355	361	30	revealed	reveal	VERB
fsr-3355	361	31	that	that	SCONJ
fsr-3355	361	32	it	it	PRON
fsr-3355	361	33	is	be	AUX
fsr-3355	361	34	also	also	ADV
fsr-3355	361	35	a	a	DET
fsr-3355	361	36	factor	factor	NOUN
fsr-3355	361	37	in	in	ADP
fsr-3355	361	38	racial	racial	ADJ
fsr-3355	361	39	/	/	SYM
fsr-3355	361	40	ethnic	ethnic	ADJ
fsr-3355	361	41	differences	difference	NOUN
fsr-3355	361	42	in	in	ADP
fsr-3355	361	43	seeking	seek	VERB
fsr-3355	361	44	financial	financial	ADJ
fsr-3355	361	45	advice	advice	NOUN
fsr-3355	361	46	for	for	ADP
fsr-3355	361	47	savings	saving	NOUN
fsr-3355	361	48	and	and	CCONJ
fsr-3355	361	49	investing	investing	NOUN
fsr-3355	361	50	.	.	PUNCT
fsr-3355	362	1	it	it	PRON
fsr-3355	362	2	was	be	AUX
fsr-3355	362	3	a	a	DET
fsr-3355	362	4	factor	factor	NOUN
fsr-3355	362	5	when	when	SCONJ
fsr-3355	362	6	looking	look	VERB
fsr-3355	362	7	at	at	ADP
fsr-3355	362	8	three	three	NUM
fsr-3355	362	9	pairwise	pairwise	NOUN
fsr-3355	362	10	groups	group	NOUN
fsr-3355	362	11	:	:	PUNCT
fsr-3355	362	12	blackwhite	blackwhite	NOUN
fsr-3355	362	13	,	,	PUNCT
fsr-3355	362	14	black	black	ADJ
fsr-3355	362	15	-	-	PUNCT
fsr-3355	362	16	asian	asian	ADJ
fsr-3355	362	17	/	/	SYM
fsr-3355	362	18	other	other	ADJ
fsr-3355	362	19	,	,	PUNCT
fsr-3355	362	20	and	and	CCONJ
fsr-3355	362	21	asian	asian	ADJ
fsr-3355	362	22	/	/	SYM
fsr-3355	362	23	otherhispanic	otherhispanic	ADJ
fsr-3355	362	24	differences	difference	NOUN
fsr-3355	362	25	.	.	PUNCT
fsr-3355	363	1	it	it	PRON
fsr-3355	363	2	has	have	AUX
fsr-3355	363	3	long	long	ADV
fsr-3355	363	4	been	be	AUX
fsr-3355	363	5	recognized	recognize	VERB
fsr-3355	363	6	that	that	SCONJ
fsr-3355	363	7	there	there	PRON
fsr-3355	363	8	are	be	VERB
fsr-3355	363	9	persistent	persistent	ADJ
fsr-3355	363	10	racial	racial	ADJ
fsr-3355	363	11	/	/	SYM
fsr-3355	363	12	ethnic	ethnic	ADJ
fsr-3355	363	13	differences	difference	NOUN
fsr-3355	363	14	in	in	ADP
fsr-3355	363	15	income	income	NOUN
fsr-3355	363	16	,	,	PUNCT
fsr-3355	363	17	with	with	ADP
fsr-3355	363	18	white	white	ADJ
fsr-3355	363	19	and	and	CCONJ
fsr-3355	363	20	asian	asian	ADJ
fsr-3355	363	21	/	/	SYM
fsr-3355	363	22	other	other	ADJ
fsr-3355	363	23	consumers	consumer	NOUN
fsr-3355	363	24	making	make	VERB
fsr-3355	363	25	more	more	ADJ
fsr-3355	363	26	,	,	PUNCT
fsr-3355	363	27	on	on	ADP
fsr-3355	363	28	average	average	ADJ
fsr-3355	363	29	,	,	PUNCT
fsr-3355	363	30	than	than	ADP
fsr-3355	363	31	black	black	ADJ
fsr-3355	363	32	and	and	CCONJ
fsr-3355	363	33	hispanic	hispanic	ADJ
fsr-3355	363	34	consumers	consumer	NOUN
fsr-3355	363	35	(	(	PUNCT
fsr-3355	363	36	wilson	wilson	PROPN
fsr-3355	363	37	,	,	PUNCT
fsr-3355	363	38	2020	2020	NUM
fsr-3355	363	39	)	)	PUNCT
fsr-3355	363	40	.	.	PUNCT
fsr-3355	364	1	net	net	ADJ
fsr-3355	364	2	worth	worth	NOUN
fsr-3355	364	3	also	also	ADV
fsr-3355	364	4	explained	explain	VERB
fsr-3355	364	5	some	some	PRON
fsr-3355	364	6	of	of	ADP
fsr-3355	364	7	the	the	DET
fsr-3355	364	8	racial	racial	ADJ
fsr-3355	364	9	/	/	SYM
fsr-3355	364	10	ethnic	ethnic	ADJ
fsr-3355	364	11	differences	difference	NOUN
fsr-3355	364	12	between	between	ADP
fsr-3355	364	13	white	white	ADJ
fsr-3355	364	14	and	and	CCONJ
fsr-3355	364	15	black	black	ADJ
fsr-3355	364	16	households	household	NOUN
fsr-3355	364	17	,	,	PUNCT
fsr-3355	364	18	white	white	ADJ
fsr-3355	364	19	and	and	CCONJ
fsr-3355	364	20	hispanic	hispanic	ADJ
fsr-3355	364	21	households	household	NOUN
fsr-3355	364	22	,	,	PUNCT
fsr-3355	364	23	and	and	CCONJ
fsr-3355	364	24	white	white	ADJ
fsr-3355	364	25	and	and	CCONJ
fsr-3355	364	26	asian	asian	ADJ
fsr-3355	364	27	/	/	SYM
fsr-3355	364	28	other	other	ADJ
fsr-3355	364	29	households	household	NOUN
fsr-3355	364	30	,	,	PUNCT
fsr-3355	364	31	albeit	albeit	SCONJ
fsr-3355	364	32	at	at	ADP
fsr-3355	364	33	lower	low	ADJ
fsr-3355	364	34	percentage	percentage	NOUN
fsr-3355	364	35	rates	rate	NOUN
fsr-3355	364	36	.	.	PUNCT
fsr-3355	365	1	net	net	ADJ
fsr-3355	365	2	worth	worth	NOUN
fsr-3355	365	3	has	have	AUX
fsr-3355	365	4	often	often	ADV
fsr-3355	365	5	been	be	AUX
fsr-3355	365	6	touted	tout	VERB
fsr-3355	365	7	as	as	ADP
fsr-3355	365	8	a	a	DET
fsr-3355	365	9	key	key	ADJ
fsr-3355	365	10	variable	variable	NOUN
fsr-3355	365	11	in	in	ADP
fsr-3355	365	12	one	one	NUM
fsr-3355	365	13	’s	’s	PART
fsr-3355	365	14	ability	ability	NOUN
fsr-3355	365	15	to	to	PART
fsr-3355	365	16	engage	engage	VERB
fsr-3355	365	17	the	the	DET
fsr-3355	365	18	services	service	NOUN
fsr-3355	365	19	of	of	ADP
fsr-3355	365	20	a	a	DET
fsr-3355	365	21	financial	financial	ADJ
fsr-3355	365	22	planner	planner	NOUN
fsr-3355	365	23	(	(	PUNCT
fsr-3355	365	24	west	west	PROPN
fsr-3355	365	25	,	,	PUNCT
fsr-3355	365	26	2012	2012	NUM
fsr-3355	365	27	)	)	PUNCT
fsr-3355	365	28	.	.	PUNCT
fsr-3355	366	1	in	in	ADP
fsr-3355	366	2	summary	summary	NOUN
fsr-3355	366	3	,	,	PUNCT
fsr-3355	366	4	our	our	PRON
fsr-3355	366	5	findings	finding	NOUN
fsr-3355	366	6	show	show	VERB
fsr-3355	366	7	racial	racial	ADJ
fsr-3355	366	8	/	/	SYM
fsr-3355	366	9	ethnic	ethnic	ADJ
fsr-3355	366	10	gaps	gap	NOUN
fsr-3355	366	11	in	in	ADP
fsr-3355	366	12	financial	financial	ADJ
fsr-3355	366	13	advice	advice	NOUN
fsr-3355	366	14	seeking	seeking	NOUN
fsr-3355	366	15	.	.	PUNCT
fsr-3355	367	1	hispanic	hispanic	ADJ
fsr-3355	367	2	and	and	CCONJ
fsr-3355	367	3	asian	asian	ADJ
fsr-3355	367	4	consumers	consumer	NOUN
fsr-3355	367	5	were	be	AUX
fsr-3355	367	6	significantly	significantly	ADV
fsr-3355	367	7	less	less	ADV
fsr-3355	367	8	likely	likely	ADJ
fsr-3355	367	9	to	to	PART
fsr-3355	367	10	seek	seek	VERB
fsr-3355	367	11	financial	financial	ADJ
fsr-3355	367	12	advice	advice	NOUN
fsr-3355	367	13	for	for	ADP
fsr-3355	367	14	saving	saving	NOUN
fsr-3355	367	15	and	and	CCONJ
fsr-3355	367	16	investments	investment	NOUN
fsr-3355	367	17	than	than	ADP
fsr-3355	367	18	black	black	ADJ
fsr-3355	367	19	and	and	CCONJ
fsr-3355	367	20	white	white	ADJ
fsr-3355	367	21	consumers	consumer	NOUN
fsr-3355	367	22	.	.	PUNCT
fsr-3355	368	1	these	these	DET
fsr-3355	368	2	results	result	NOUN
fsr-3355	368	3	indicate	indicate	VERB
fsr-3355	368	4	that	that	SCONJ
fsr-3355	368	5	there	there	PRON
fsr-3355	368	6	is	be	VERB
fsr-3355	368	7	more	more	ADJ
fsr-3355	368	8	to	to	PART
fsr-3355	368	9	understand	understand	VERB
fsr-3355	368	10	regarding	regard	VERB
fsr-3355	368	11	attracting	attract	VERB
fsr-3355	368	12	hispanic	hispanic	ADJ
fsr-3355	368	13	and	and	CCONJ
fsr-3355	368	14	asian	asian	ADJ
fsr-3355	368	15	/	/	SYM
fsr-3355	368	16	other	other	ADJ
fsr-3355	368	17	clients	client	NOUN
fsr-3355	368	18	to	to	ADP
fsr-3355	368	19	financial	financial	ADJ
fsr-3355	368	20	planning	planning	NOUN
fsr-3355	368	21	and	and	CCONJ
fsr-3355	368	22	minimizing	minimize	VERB
fsr-3355	368	23	barriers	barrier	NOUN
fsr-3355	368	24	.	.	PUNCT
fsr-3355	369	1	the	the	DET
fsr-3355	369	2	decomposition	decomposition	NOUN
fsr-3355	369	3	analyses	analysis	NOUN
fsr-3355	369	4	revealed	reveal	VERB
fsr-3355	369	5	more	more	ADJ
fsr-3355	369	6	information	information	NOUN
fsr-3355	369	7	about	about	ADP
fsr-3355	369	8	the	the	DET
fsr-3355	369	9	disparities	disparity	NOUN
fsr-3355	369	10	in	in	ADP
fsr-3355	369	11	seeking	seek	VERB
fsr-3355	369	12	advice	advice	NOUN
fsr-3355	369	13	.	.	PUNCT
fsr-3355	370	1	the	the	DET
fsr-3355	370	2	findings	finding	NOUN
fsr-3355	370	3	show	show	VERB
fsr-3355	370	4	that	that	SCONJ
fsr-3355	370	5	income	income	NOUN
fsr-3355	370	6	and	and	CCONJ
fsr-3355	370	7	risk	risk	NOUN
fsr-3355	370	8	tolerance	tolerance	NOUN
fsr-3355	370	9	explained	explain	VERB
fsr-3355	370	10	the	the	DET
fsr-3355	370	11	gaps	gap	NOUN
fsr-3355	370	12	in	in	ADP
fsr-3355	370	13	several	several	ADJ
fsr-3355	370	14	of	of	ADP
fsr-3355	370	15	the	the	DET
fsr-3355	370	16	pairwise	pairwise	NOUN
fsr-3355	370	17	analyses	analysis	NOUN
fsr-3355	370	18	.	.	PUNCT
fsr-3355	371	1	income	income	NOUN
fsr-3355	371	2	was	be	AUX
fsr-3355	371	3	either	either	CCONJ
fsr-3355	371	4	the	the	DET
fsr-3355	371	5	largest	large	ADJ
fsr-3355	371	6	or	or	CCONJ
fsr-3355	371	7	second	second	ADV
fsr-3355	371	8	largest	large	ADJ
fsr-3355	371	9	contributor	contributor	NOUN
fsr-3355	371	10	to	to	ADP
fsr-3355	371	11	the	the	DET
fsr-3355	371	12	gap	gap	NOUN
fsr-3355	371	13	in	in	ADP
fsr-3355	371	14	seeking	seek	VERB
fsr-3355	371	15	financial	financial	ADJ
fsr-3355	371	16	advice	advice	NOUN
fsr-3355	371	17	among	among	ADP
fsr-3355	371	18	four	four	NUM
fsr-3355	371	19	pairwise	pairwise	NOUN
fsr-3355	371	20	groups	group	NOUN
fsr-3355	371	21	:	:	PUNCT
fsr-3355	371	22	(	(	PUNCT
fsr-3355	371	23	a	a	X
fsr-3355	371	24	)	)	PUNCT
fsr-3355	371	25	black	black	NOUN
fsr-3355	371	26	-	-	PUNCT
fsr-3355	371	27	white	white	ADJ
fsr-3355	371	28	,	,	PUNCT
fsr-3355	371	29	(	(	PUNCT
fsr-3355	371	30	b	b	NOUN
fsr-3355	371	31	)	)	PUNCT
fsr-3355	371	32	black	black	ADJ
fsr-3355	371	33	-	-	PUNCT
fsr-3355	371	34	asian	asian	ADJ
fsr-3355	371	35	/	/	SYM
fsr-3355	371	36	other	other	ADJ
fsr-3355	371	37	,	,	PUNCT
fsr-3355	371	38	(	(	PUNCT
fsr-3355	371	39	c	c	X
fsr-3355	371	40	)	)	PUNCT
fsr-3355	371	41	whitehispanic	whitehispanic	ADJ
fsr-3355	371	42	,	,	PUNCT
fsr-3355	371	43	and	and	CCONJ
fsr-3355	371	44	(	(	PUNCT
fsr-3355	371	45	d	d	NOUN
fsr-3355	371	46	)	)	PUNCT
fsr-3355	371	47	asian	asian	ADJ
fsr-3355	371	48	/	/	SYM
fsr-3355	371	49	other	other	ADJ
fsr-3355	371	50	-	-	PUNCT
fsr-3355	371	51	hispanic	hispanic	ADJ
fsr-3355	371	52	comparisons	comparison	NOUN
fsr-3355	371	53	.	.	PUNCT
fsr-3355	372	1	risk	risk	NOUN
fsr-3355	372	2	tolerance	tolerance	NOUN
fsr-3355	372	3	was	be	AUX
fsr-3355	372	4	the	the	DET
fsr-3355	372	5	largest	large	ADJ
fsr-3355	372	6	or	or	CCONJ
fsr-3355	372	7	second	second	ADV
fsr-3355	372	8	largest	large	ADJ
fsr-3355	372	9	factor	factor	NOUN
fsr-3355	372	10	contributing	contribute	VERB
fsr-3355	372	11	to	to	ADP
fsr-3355	372	12	the	the	DET
fsr-3355	372	13	financial	financial	ADJ
fsr-3355	372	14	advice	advice	NOUN
fsr-3355	372	15	seeking	seek	VERB
fsr-3355	372	16	gap	gap	NOUN
fsr-3355	372	17	when	when	SCONJ
fsr-3355	372	18	comparing	compare	VERB
fsr-3355	372	19	(	(	PUNCT
fsr-3355	372	20	a	a	PRON
fsr-3355	372	21	)	)	PUNCT
fsr-3355	372	22	blackhispanic	blackhispanic	ADJ
fsr-3355	372	23	,	,	PUNCT
fsr-3355	372	24	(	(	PUNCT
fsr-3355	372	25	b	b	NOUN
fsr-3355	372	26	)	)	PUNCT
fsr-3355	372	27	white	white	ADJ
fsr-3355	372	28	-	-	PUNCT
fsr-3355	372	29	hispanic	hispanic	ADJ
fsr-3355	372	30	,	,	PUNCT
fsr-3355	372	31	and	and	CCONJ
fsr-3355	372	32	(	(	PUNCT
fsr-3355	372	33	c	c	NOUN
fsr-3355	372	34	)	)	PUNCT
fsr-3355	372	35	asian	asian	ADJ
fsr-3355	372	36	/	/	SYM
fsr-3355	372	37	other	other	ADJ
fsr-3355	372	38	-	-	PUNCT
fsr-3355	372	39	hispanic	hispanic	ADJ
fsr-3355	372	40	pairwise	pairwise	NOUN
fsr-3355	372	41	groups	group	NOUN
fsr-3355	372	42	.	.	PUNCT
fsr-3355	373	1	these	these	DET
fsr-3355	373	2	results	result	NOUN
fsr-3355	373	3	show	show	VERB
fsr-3355	373	4	that	that	SCONJ
fsr-3355	373	5	if	if	SCONJ
fsr-3355	373	6	the	the	DET
fsr-3355	373	7	racial	racial	ADJ
fsr-3355	373	8	/	/	SYM
fsr-3355	373	9	ethnic	ethnic	ADJ
fsr-3355	373	10	income	income	NOUN
fsr-3355	373	11	gap	gap	NOUN
fsr-3355	373	12	and	and	CCONJ
fsr-3355	373	13	risk	risk	NOUN
fsr-3355	373	14	tolerance	tolerance	NOUN
fsr-3355	373	15	gaps	gap	NOUN
fsr-3355	373	16	were	be	AUX
fsr-3355	373	17	remedied	remedied	ADJ
fsr-3355	373	18	,	,	PUNCT
fsr-3355	373	19	there	there	PRON
fsr-3355	373	20	would	would	AUX
fsr-3355	373	21	be	be	AUX
fsr-3355	373	22	less	less	ADJ
fsr-3355	373	23	disparity	disparity	NOUN
fsr-3355	373	24	in	in	ADP
fsr-3355	373	25	financial	financial	ADJ
fsr-3355	373	26	planner	planner	NOUN
fsr-3355	373	27	use	use	NOUN
fsr-3355	373	28	.	.	PUNCT
fsr-3355	374	1	black	black	ADJ
fsr-3355	374	2	and	and	CCONJ
fsr-3355	374	3	hispanic	hispanic	ADJ
fsr-3355	374	4	consumers	consumer	NOUN
fsr-3355	374	5	lag	lag	VERB
fsr-3355	374	6	behind	behind	ADP
fsr-3355	374	7	white	white	ADJ
fsr-3355	374	8	financial	financial	PROPN
fsr-3355	374	9	services	services	PROPN
fsr-3355	374	10	review	review	PROPN
fsr-3355	374	11	,	,	PUNCT
fsr-3355	374	12	32(4	32(4	NUM
fsr-3355	374	13	)	)	PUNCT
fsr-3355	374	14	44	44	NUM
fsr-3355	374	15	and	and	CCONJ
fsr-3355	374	16	asian	asian	ADJ
fsr-3355	374	17	consumers	consumer	NOUN
fsr-3355	374	18	in	in	ADP
fsr-3355	374	19	income	income	NOUN
fsr-3355	374	20	(	(	PUNCT
fsr-3355	374	21	greig	greig	PROPN
fsr-3355	374	22	&	&	CCONJ
fsr-3355	374	23	eckerd	eckerd	PROPN
fsr-3355	374	24	,	,	PUNCT
fsr-3355	374	25	2022	2022	NUM
fsr-3355	374	26	)	)	PUNCT
fsr-3355	374	27	.	.	PUNCT
fsr-3355	375	1	evidence	evidence	NOUN
fsr-3355	375	2	supports	support	VERB
fsr-3355	375	3	the	the	DET
fsr-3355	375	4	idea	idea	NOUN
fsr-3355	375	5	that	that	SCONJ
fsr-3355	375	6	racial	racial	ADJ
fsr-3355	375	7	differences	difference	NOUN
fsr-3355	375	8	in	in	ADP
fsr-3355	375	9	income	income	NOUN
fsr-3355	375	10	help	help	NOUN
fsr-3355	375	11	explain	explain	VERB
fsr-3355	375	12	the	the	DET
fsr-3355	375	13	racial	racial	ADJ
fsr-3355	375	14	wealth	wealth	NOUN
fsr-3355	375	15	gap	gap	NOUN
fsr-3355	375	16	(	(	PUNCT
fsr-3355	375	17	ashman	ashman	NOUN
fsr-3355	375	18	&	&	CCONJ
fsr-3355	375	19	neumeuller	neumeuller	PROPN
fsr-3355	375	20	,	,	PUNCT
fsr-3355	375	21	2020	2020	NUM
fsr-3355	375	22	)	)	PUNCT
fsr-3355	375	23	.	.	PUNCT
fsr-3355	376	1	while	while	SCONJ
fsr-3355	376	2	there	there	PRON
fsr-3355	376	3	is	be	VERB
fsr-3355	376	4	no	no	DET
fsr-3355	376	5	quick	quick	ADJ
fsr-3355	376	6	solution	solution	NOUN
fsr-3355	376	7	to	to	ADP
fsr-3355	376	8	narrowing	narrow	VERB
fsr-3355	376	9	either	either	CCONJ
fsr-3355	376	10	the	the	DET
fsr-3355	376	11	racial	racial	ADJ
fsr-3355	376	12	income	income	NOUN
fsr-3355	376	13	or	or	CCONJ
fsr-3355	376	14	wealth	wealth	NOUN
fsr-3355	376	15	gaps	gap	NOUN
fsr-3355	376	16	,	,	PUNCT
fsr-3355	376	17	our	our	PRON
fsr-3355	376	18	findings	finding	NOUN
fsr-3355	376	19	are	be	AUX
fsr-3355	376	20	further	further	ADJ
fsr-3355	376	21	evidence	evidence	NOUN
fsr-3355	376	22	that	that	SCONJ
fsr-3355	376	23	these	these	DET
fsr-3355	376	24	gaps	gap	NOUN
fsr-3355	376	25	have	have	AUX
fsr-3355	376	26	broad	broad	ADJ
fsr-3355	376	27	implications	implication	NOUN
fsr-3355	376	28	that	that	PRON
fsr-3355	376	29	reach	reach	VERB
fsr-3355	376	30	beyond	beyond	ADP
fsr-3355	376	31	mere	mere	ADJ
fsr-3355	376	32	finances	finance	NOUN
fsr-3355	376	33	.	.	PUNCT
fsr-3355	377	1	this	this	PRON
fsr-3355	377	2	is	be	AUX
fsr-3355	377	3	an	an	DET
fsr-3355	377	4	area	area	NOUN
fsr-3355	377	5	in	in	ADP
fsr-3355	377	6	which	which	PRON
fsr-3355	377	7	policy	policy	NOUN
fsr-3355	377	8	can	can	AUX
fsr-3355	377	9	be	be	AUX
fsr-3355	377	10	implemented	implement	VERB
fsr-3355	377	11	to	to	PART
fsr-3355	377	12	assist	assist	VERB
fsr-3355	377	13	consumers	consumer	NOUN
fsr-3355	377	14	with	with	ADP
fsr-3355	377	15	gaining	gain	VERB
fsr-3355	377	16	access	access	NOUN
fsr-3355	377	17	to	to	ADP
fsr-3355	377	18	financial	financial	ADJ
fsr-3355	377	19	planning	planning	NOUN
fsr-3355	377	20	.	.	PUNCT
fsr-3355	378	1	the	the	DET
fsr-3355	378	2	u.s	u.s	PROPN
fsr-3355	378	3	.	.	PROPN
fsr-3355	378	4	government	government	NOUN
fsr-3355	378	5	has	have	AUX
fsr-3355	378	6	developed	develop	VERB
fsr-3355	378	7	such	such	ADJ
fsr-3355	378	8	solutions	solution	NOUN
fsr-3355	378	9	to	to	PART
fsr-3355	378	10	assist	assist	VERB
fsr-3355	378	11	consumers	consumer	NOUN
fsr-3355	378	12	with	with	ADP
fsr-3355	378	13	financial	financial	ADJ
fsr-3355	378	14	issues	issue	NOUN
fsr-3355	378	15	.	.	PUNCT
fsr-3355	379	1	for	for	ADP
fsr-3355	379	2	example	example	NOUN
fsr-3355	379	3	,	,	PUNCT
fsr-3355	379	4	an	an	DET
fsr-3355	379	5	initiative	initiative	NOUN
fsr-3355	379	6	was	be	AUX
fsr-3355	379	7	established	establish	VERB
fsr-3355	379	8	in	in	ADP
fsr-3355	379	9	2021	2021	NUM
fsr-3355	379	10	by	by	ADP
fsr-3355	379	11	the	the	DET
fsr-3355	379	12	presidential	presidential	ADJ
fsr-3355	379	13	administration	administration	NOUN
fsr-3355	379	14	to	to	PART
fsr-3355	379	15	help	help	VERB
fsr-3355	379	16	build	build	VERB
fsr-3355	379	17	wealth	wealth	NOUN
fsr-3355	379	18	in	in	ADP
fsr-3355	379	19	marginalized	marginalize	VERB
fsr-3355	379	20	communities	community	NOUN
fsr-3355	379	21	in	in	ADP
fsr-3355	379	22	an	an	DET
fsr-3355	379	23	attempt	attempt	NOUN
fsr-3355	379	24	to	to	PART
fsr-3355	379	25	ameliorate	ameliorate	VERB
fsr-3355	379	26	the	the	DET
fsr-3355	379	27	long	long	ADV
fsr-3355	379	28	-	-	PUNCT
fsr-3355	379	29	standing	stand	VERB
fsr-3355	379	30	and	and	CCONJ
fsr-3355	379	31	persistent	persistent	ADJ
fsr-3355	379	32	racial	racial	ADJ
fsr-3355	379	33	wealth	wealth	NOUN
fsr-3355	379	34	gap	gap	NOUN
fsr-3355	379	35	(	(	PUNCT
fsr-3355	379	36	the	the	DET
fsr-3355	379	37	white	white	PROPN
fsr-3355	379	38	house	house	PROPN
fsr-3355	379	39	,	,	PUNCT
fsr-3355	379	40	2021	2021	NUM
fsr-3355	379	41	)	)	PUNCT
fsr-3355	379	42	.	.	PUNCT
fsr-3355	380	1	closing	close	VERB
fsr-3355	380	2	the	the	DET
fsr-3355	380	3	racial	racial	ADJ
fsr-3355	380	4	wealth	wealth	NOUN
fsr-3355	380	5	gap	gap	NOUN
fsr-3355	380	6	is	be	AUX
fsr-3355	380	7	a	a	DET
fsr-3355	380	8	goal	goal	NOUN
fsr-3355	380	9	that	that	PRON
fsr-3355	380	10	could	could	AUX
fsr-3355	380	11	help	help	VERB
fsr-3355	380	12	increase	increase	VERB
fsr-3355	380	13	the	the	DET
fsr-3355	380	14	number	number	NOUN
fsr-3355	380	15	of	of	ADP
fsr-3355	380	16	marginalized	marginalize	VERB
fsr-3355	380	17	consumers	consumer	NOUN
fsr-3355	380	18	seeking	seek	VERB
fsr-3355	380	19	financial	financial	ADJ
fsr-3355	380	20	advice	advice	NOUN
fsr-3355	380	21	.	.	PUNCT
fsr-3355	381	1	similarly	similarly	ADV
fsr-3355	381	2	,	,	PUNCT
fsr-3355	381	3	policy	policy	NOUN
fsr-3355	381	4	could	could	AUX
fsr-3355	381	5	provide	provide	VERB
fsr-3355	381	6	governmental	governmental	ADJ
fsr-3355	381	7	financial	financial	ADJ
fsr-3355	381	8	support	support	NOUN
fsr-3355	381	9	to	to	PART
fsr-3355	381	10	minimize	minimize	VERB
fsr-3355	381	11	the	the	DET
fsr-3355	381	12	gap	gap	NOUN
fsr-3355	381	13	in	in	ADP
fsr-3355	381	14	accessing	access	VERB
fsr-3355	381	15	financial	financial	ADJ
fsr-3355	381	16	planners	planner	NOUN
fsr-3355	381	17	.	.	PUNCT
fsr-3355	382	1	in	in	ADP
fsr-3355	382	2	the	the	DET
fsr-3355	382	3	current	current	ADJ
fsr-3355	382	4	study	study	NOUN
fsr-3355	382	5	,	,	PUNCT
fsr-3355	382	6	the	the	DET
fsr-3355	382	7	descriptive	descriptive	ADJ
fsr-3355	382	8	statistics	statistic	NOUN
fsr-3355	382	9	show	show	VERB
fsr-3355	382	10	that	that	SCONJ
fsr-3355	382	11	while	while	SCONJ
fsr-3355	382	12	only	only	ADV
fsr-3355	382	13	15	15	NUM
fsr-3355	382	14	%	%	NOUN
fsr-3355	382	15	and	and	CCONJ
fsr-3355	382	16	14	14	NUM
fsr-3355	382	17	%	%	NOUN
fsr-3355	382	18	of	of	ADP
fsr-3355	382	19	whites	white	NOUN
fsr-3355	382	20	and	and	CCONJ
fsr-3355	382	21	asians	asians	PROPN
fsr-3355	382	22	were	be	AUX
fsr-3355	382	23	willing	willing	ADJ
fsr-3355	382	24	to	to	PART
fsr-3355	382	25	take	take	VERB
fsr-3355	382	26	no	no	DET
fsr-3355	382	27	investment	investment	NOUN
fsr-3355	382	28	risk	risk	NOUN
fsr-3355	382	29	,	,	PUNCT
fsr-3355	382	30	nearly	nearly	ADV
fsr-3355	382	31	30	30	NUM
fsr-3355	382	32	%	%	NOUN
fsr-3355	382	33	of	of	ADP
fsr-3355	382	34	black	black	ADJ
fsr-3355	382	35	and	and	CCONJ
fsr-3355	382	36	hispanics	hispanic	NOUN
fsr-3355	382	37	were	be	AUX
fsr-3355	382	38	willing	willing	ADJ
fsr-3355	382	39	to	to	PART
fsr-3355	382	40	take	take	VERB
fsr-3355	382	41	no	no	DET
fsr-3355	382	42	risk	risk	NOUN
fsr-3355	382	43	.	.	PUNCT
fsr-3355	383	1	on	on	ADP
fsr-3355	383	2	the	the	DET
fsr-3355	383	3	other	other	ADJ
fsr-3355	383	4	hand	hand	NOUN
fsr-3355	383	5	,	,	PUNCT
fsr-3355	383	6	nearly	nearly	ADV
fsr-3355	383	7	8	8	NUM
fsr-3355	383	8	%	%	NOUN
fsr-3355	383	9	of	of	ADP
fsr-3355	383	10	black	black	ADJ
fsr-3355	383	11	and	and	CCONJ
fsr-3355	383	12	hispanic	hispanic	ADJ
fsr-3355	383	13	consumers	consumer	NOUN
fsr-3355	383	14	stated	state	VERB
fsr-3355	383	15	they	they	PRON
fsr-3355	383	16	would	would	AUX
fsr-3355	383	17	be	be	AUX
fsr-3355	383	18	willing	willing	ADJ
fsr-3355	383	19	to	to	PART
fsr-3355	383	20	take	take	VERB
fsr-3355	383	21	substantial	substantial	ADJ
fsr-3355	383	22	risk	risk	NOUN
fsr-3355	383	23	,	,	PUNCT
fsr-3355	383	24	while	while	SCONJ
fsr-3355	383	25	only	only	ADV
fsr-3355	383	26	4	4	NUM
fsr-3355	383	27	%	%	NOUN
fsr-3355	383	28	of	of	ADP
fsr-3355	383	29	white	white	ADJ
fsr-3355	383	30	and	and	CCONJ
fsr-3355	383	31	asian	asian	ADJ
fsr-3355	383	32	/	/	SYM
fsr-3355	383	33	other	other	ADJ
fsr-3355	383	34	consumers	consumer	NOUN
fsr-3355	383	35	reported	report	VERB
fsr-3355	383	36	the	the	DET
fsr-3355	383	37	same	same	ADJ
fsr-3355	383	38	.	.	PUNCT
fsr-3355	384	1	these	these	DET
fsr-3355	384	2	results	result	NOUN
fsr-3355	384	3	align	align	VERB
fsr-3355	384	4	with	with	ADP
fsr-3355	384	5	findings	finding	NOUN
fsr-3355	384	6	from	from	ADP
fsr-3355	384	7	yao	yao	PROPN
fsr-3355	384	8	et	et	PROPN
fsr-3355	384	9	al	al	PROPN
fsr-3355	384	10	.	.	PROPN
fsr-3355	385	1	(	(	PUNCT
fsr-3355	385	2	2005	2005	NUM
fsr-3355	385	3	)	)	PUNCT
fsr-3355	385	4	,	,	PUNCT
fsr-3355	385	5	which	which	PRON
fsr-3355	385	6	found	find	VERB
fsr-3355	385	7	that	that	PRON
fsr-3355	385	8	black	black	ADJ
fsr-3355	385	9	and	and	CCONJ
fsr-3355	385	10	hispanic	hispanic	ADJ
fsr-3355	385	11	consumers	consumer	NOUN
fsr-3355	385	12	were	be	AUX
fsr-3355	385	13	more	more	ADV
fsr-3355	385	14	likely	likely	ADJ
fsr-3355	385	15	to	to	PART
fsr-3355	385	16	take	take	VERB
fsr-3355	385	17	very	very	ADV
fsr-3355	385	18	high	high	ADJ
fsr-3355	385	19	risks	risk	NOUN
fsr-3355	385	20	but	but	CCONJ
fsr-3355	385	21	were	be	AUX
fsr-3355	385	22	less	less	ADV
fsr-3355	385	23	likely	likely	ADJ
fsr-3355	385	24	to	to	PART
fsr-3355	385	25	take	take	VERB
fsr-3355	385	26	some	some	DET
fsr-3355	385	27	risks	risk	NOUN
fsr-3355	385	28	.	.	PUNCT
fsr-3355	386	1	the	the	DET
fsr-3355	386	2	results	result	NOUN
fsr-3355	386	3	seem	seem	VERB
fsr-3355	386	4	to	to	PART
fsr-3355	386	5	indicate	indicate	VERB
fsr-3355	386	6	that	that	SCONJ
fsr-3355	386	7	if	if	SCONJ
fsr-3355	386	8	black	black	ADJ
fsr-3355	386	9	and	and	CCONJ
fsr-3355	386	10	hispanic	hispanic	ADJ
fsr-3355	386	11	consumers	consumer	NOUN
fsr-3355	386	12	had	have	VERB
fsr-3355	386	13	more	more	ADJ
fsr-3355	386	14	moderate	moderate	ADJ
fsr-3355	386	15	risk	risk	NOUN
fsr-3355	386	16	tolerance	tolerance	NOUN
fsr-3355	386	17	profiles	profile	NOUN
fsr-3355	386	18	,	,	PUNCT
fsr-3355	386	19	this	this	PRON
fsr-3355	386	20	would	would	AUX
fsr-3355	386	21	help	help	VERB
fsr-3355	386	22	close	close	VERB
fsr-3355	386	23	the	the	DET
fsr-3355	386	24	financial	financial	ADJ
fsr-3355	386	25	planner	planner	NOUN
fsr-3355	386	26	use	use	NOUN
fsr-3355	386	27	gap	gap	NOUN
fsr-3355	386	28	.	.	PUNCT
fsr-3355	387	1	while	while	SCONJ
fsr-3355	387	2	risk	risk	NOUN
fsr-3355	387	3	tolerance	tolerance	NOUN
fsr-3355	387	4	may	may	AUX
fsr-3355	387	5	not	not	PART
fsr-3355	387	6	be	be	AUX
fsr-3355	387	7	static	static	ADJ
fsr-3355	387	8	,	,	PUNCT
fsr-3355	387	9	it	it	PRON
fsr-3355	387	10	may	may	AUX
fsr-3355	387	11	be	be	AUX
fsr-3355	387	12	a	a	DET
fsr-3355	387	13	stretch	stretch	NOUN
fsr-3355	387	14	to	to	PART
fsr-3355	387	15	suggest	suggest	VERB
fsr-3355	387	16	that	that	SCONJ
fsr-3355	387	17	one	one	NUM
fsr-3355	387	18	’s	’s	PART
fsr-3355	387	19	risk	risk	NOUN
fsr-3355	387	20	tolerance	tolerance	NOUN
fsr-3355	387	21	should	should	AUX
fsr-3355	387	22	change	change	VERB
fsr-3355	387	23	.	.	PUNCT
fsr-3355	388	1	many	many	ADJ
fsr-3355	388	2	precipitating	precipitate	VERB
fsr-3355	388	3	factors	factor	NOUN
fsr-3355	388	4	influence	influence	VERB
fsr-3355	388	5	one	one	NUM
fsr-3355	388	6	’s	’s	PART
fsr-3355	388	7	risk	risk	NOUN
fsr-3355	388	8	tolerance	tolerance	NOUN
fsr-3355	388	9	,	,	PUNCT
fsr-3355	388	10	including	include	VERB
fsr-3355	388	11	experience	experience	NOUN
fsr-3355	388	12	,	,	PUNCT
fsr-3355	388	13	knowledge	knowledge	NOUN
fsr-3355	388	14	,	,	PUNCT
fsr-3355	388	15	skills	skill	NOUN
fsr-3355	388	16	,	,	PUNCT
fsr-3355	388	17	cognition	cognition	NOUN
fsr-3355	388	18	,	,	PUNCT
fsr-3355	388	19	and	and	CCONJ
fsr-3355	388	20	financial	financial	ADJ
fsr-3355	388	21	satisfaction	satisfaction	NOUN
fsr-3355	388	22	(	(	PUNCT
fsr-3355	388	23	grable	grable	ADJ
fsr-3355	388	24	,	,	PUNCT
fsr-3355	388	25	2016	2016	NUM
fsr-3355	388	26	)	)	PUNCT
fsr-3355	388	27	.	.	PUNCT
fsr-3355	389	1	as	as	ADP
fsr-3355	389	2	such	such	ADJ
fsr-3355	389	3	,	,	PUNCT
fsr-3355	389	4	it	it	PRON
fsr-3355	389	5	is	be	AUX
fsr-3355	389	6	insufficient	insufficient	ADJ
fsr-3355	389	7	to	to	PART
fsr-3355	389	8	suggest	suggest	VERB
fsr-3355	389	9	that	that	SCONJ
fsr-3355	389	10	education	education	NOUN
fsr-3355	389	11	alone	alone	ADV
fsr-3355	389	12	can	can	AUX
fsr-3355	389	13	help	help	VERB
fsr-3355	389	14	improve	improve	VERB
fsr-3355	389	15	risk	risk	NOUN
fsr-3355	389	16	tolerance	tolerance	NOUN
fsr-3355	389	17	gaps	gap	NOUN
fsr-3355	389	18	.	.	PUNCT
fsr-3355	390	1	however	however	ADV
fsr-3355	390	2	,	,	PUNCT
fsr-3355	390	3	a	a	DET
fsr-3355	390	4	multi	multi	ADJ
fsr-3355	390	5	-	-	ADJ
fsr-3355	390	6	prong	prong	ADJ
fsr-3355	390	7	approach	approach	NOUN
fsr-3355	390	8	to	to	PART
fsr-3355	390	9	increase	increase	VERB
fsr-3355	390	10	awareness	awareness	NOUN
fsr-3355	390	11	and	and	CCONJ
fsr-3355	390	12	financial	financial	ADJ
fsr-3355	390	13	literacy	literacy	NOUN
fsr-3355	390	14	play	play	VERB
fsr-3355	390	15	a	a	DET
fsr-3355	390	16	meaningful	meaningful	ADJ
fsr-3355	390	17	role	role	NOUN
fsr-3355	390	18	.	.	PUNCT
fsr-3355	391	1	ultimately	ultimately	ADV
fsr-3355	391	2	,	,	PUNCT
fsr-3355	391	3	we	we	PRON
fsr-3355	391	4	recommend	recommend	VERB
fsr-3355	391	5	conducting	conduct	VERB
fsr-3355	391	6	further	further	ADJ
fsr-3355	391	7	research	research	NOUN
fsr-3355	391	8	on	on	ADP
fsr-3355	391	9	financial	financial	ADJ
fsr-3355	391	10	planner	planner	NOUN
fsr-3355	391	11	use	use	NOUN
fsr-3355	391	12	among	among	ADP
fsr-3355	391	13	different	different	ADJ
fsr-3355	391	14	racial	racial	ADJ
fsr-3355	391	15	/	/	SYM
fsr-3355	391	16	ethnic	ethnic	ADJ
fsr-3355	391	17	groups	group	NOUN
fsr-3355	391	18	.	.	PUNCT
fsr-3355	392	1	specifically	specifically	ADV
fsr-3355	392	2	,	,	PUNCT
fsr-3355	392	3	future	future	ADJ
fsr-3355	392	4	research	research	NOUN
fsr-3355	392	5	should	should	AUX
fsr-3355	392	6	investigate	investigate	VERB
fsr-3355	392	7	cultural	cultural	ADJ
fsr-3355	392	8	,	,	PUNCT
fsr-3355	392	9	immigration	immigration	NOUN
fsr-3355	392	10	,	,	PUNCT
fsr-3355	392	11	language	language	NOUN
fsr-3355	392	12	,	,	PUNCT
fsr-3355	392	13	and	and	CCONJ
fsr-3355	392	14	other	other	ADJ
fsr-3355	392	15	factors	factor	NOUN
fsr-3355	392	16	that	that	PRON
fsr-3355	392	17	may	may	AUX
fsr-3355	392	18	play	play	VERB
fsr-3355	392	19	a	a	DET
fsr-3355	392	20	role	role	NOUN
fsr-3355	392	21	in	in	ADP
fsr-3355	392	22	seeking	seek	VERB
fsr-3355	392	23	financial	financial	ADJ
fsr-3355	392	24	advice	advice	NOUN
fsr-3355	392	25	.	.	PUNCT
fsr-3355	393	1	qualitative	qualitative	ADJ
fsr-3355	393	2	research	research	NOUN
fsr-3355	393	3	would	would	AUX
fsr-3355	393	4	be	be	AUX
fsr-3355	393	5	particularly	particularly	ADV
fsr-3355	393	6	useful	useful	ADJ
fsr-3355	393	7	in	in	ADP
fsr-3355	393	8	this	this	DET
fsr-3355	393	9	process	process	NOUN
fsr-3355	393	10	.	.	PUNCT
fsr-3355	394	1	it	it	PRON
fsr-3355	394	2	would	would	AUX
fsr-3355	394	3	allow	allow	VERB
fsr-3355	394	4	researchers	researcher	NOUN
fsr-3355	394	5	to	to	PART
fsr-3355	394	6	learn	learn	VERB
fsr-3355	394	7	more	more	ADJ
fsr-3355	394	8	about	about	ADP
fsr-3355	394	9	information	information	NOUN
fsr-3355	394	10	-	-	PUNCT
fsr-3355	394	11	seeking	seek	VERB
fsr-3355	394	12	among	among	ADP
fsr-3355	394	13	diverse	diverse	ADJ
fsr-3355	394	14	racial	racial	ADJ
fsr-3355	394	15	/	/	SYM
fsr-3355	394	16	ethnic	ethnic	ADJ
fsr-3355	394	17	groups	group	NOUN
fsr-3355	394	18	in	in	ADP
fsr-3355	394	19	their	their	PRON
fsr-3355	394	20	own	own	ADJ
fsr-3355	394	21	words	word	NOUN
fsr-3355	394	22	.	.	PUNCT
fsr-3355	395	1	limitations	limitation	NOUN
fsr-3355	395	2	some	some	DET
fsr-3355	395	3	limitations	limitation	NOUN
fsr-3355	395	4	in	in	ADP
fsr-3355	395	5	this	this	DET
fsr-3355	395	6	study	study	NOUN
fsr-3355	395	7	should	should	AUX
fsr-3355	395	8	be	be	AUX
fsr-3355	395	9	noted	note	VERB
fsr-3355	395	10	for	for	ADP
fsr-3355	395	11	subsequent	subsequent	ADJ
fsr-3355	395	12	studies	study	NOUN
fsr-3355	395	13	.	.	PUNCT
fsr-3355	396	1	first	first	ADV
fsr-3355	396	2	,	,	PUNCT
fsr-3355	396	3	as	as	SCONJ
fsr-3355	396	4	stated	state	VERB
fsr-3355	396	5	by	by	ADP
fsr-3355	396	6	fairlie	fairlie	PROPN
fsr-3355	396	7	(	(	PUNCT
fsr-3355	396	8	2005	2005	NUM
fsr-3355	396	9	)	)	PUNCT
fsr-3355	396	10	,	,	PUNCT
fsr-3355	396	11	unlike	unlike	ADP
fsr-3355	396	12	in	in	ADP
fsr-3355	396	13	the	the	DET
fsr-3355	396	14	case	case	NOUN
fsr-3355	396	15	of	of	ADP
fsr-3355	396	16	linear	linear	PROPN
fsr-3355	396	17	models	model	NOUN
fsr-3355	396	18	,	,	PUNCT
fsr-3355	396	19	the	the	DET
fsr-3355	396	20	matrix	matrix	NOUN
fsr-3355	396	21	of	of	ADP
fsr-3355	396	22	independent	independent	ADJ
fsr-3355	396	23	predictors	predictor	NOUN
fsr-3355	396	24	from	from	ADP
fsr-3355	396	25	two	two	NUM
fsr-3355	396	26	groups	group	NOUN
fsr-3355	396	27	(	(	PUNCT
fsr-3355	396	28	x1	x1	PROPN
fsr-3355	396	29	and	and	CCONJ
fsr-3355	396	30	x2	x2	NUM
fsr-3355	396	31	)	)	PUNCT
fsr-3355	396	32	depends	depend	VERB
fsr-3355	396	33	on	on	ADP
fsr-3355	396	34	the	the	DET
fsr-3355	396	35	value	value	NOUN
fsr-3355	396	36	of	of	ADP
fsr-3355	396	37	other	other	ADJ
fsr-3355	396	38	variables	variable	NOUN
fsr-3355	396	39	;	;	PUNCT
fsr-3355	396	40	as	as	ADP
fsr-3355	396	41	a	a	DET
fsr-3355	396	42	result	result	NOUN
fsr-3355	396	43	,	,	PUNCT
fsr-3355	396	44	the	the	DET
fsr-3355	396	45	order	order	NOUN
fsr-3355	396	46	of	of	ADP
fsr-3355	396	47	switching	switch	VERB
fsr-3355	396	48	the	the	DET
fsr-3355	396	49	distribution	distribution	NOUN
fsr-3355	396	50	may	may	AUX
fsr-3355	396	51	result	result	VERB
fsr-3355	396	52	in	in	ADP
fsr-3355	396	53	small	small	ADJ
fsr-3355	396	54	differences	difference	NOUN
fsr-3355	396	55	in	in	ADP
fsr-3355	396	56	the	the	DET
fsr-3355	396	57	outcome	outcome	NOUN
fsr-3355	396	58	.	.	PUNCT
fsr-3355	397	1	second	second	ADJ
fsr-3355	397	2	,	,	PUNCT
fsr-3355	397	3	this	this	DET
fsr-3355	397	4	study	study	NOUN
fsr-3355	397	5	mainly	mainly	ADV
fsr-3355	397	6	examined	examine	VERB
fsr-3355	397	7	the	the	DET
fsr-3355	397	8	disparities	disparity	NOUN
fsr-3355	397	9	from	from	ADP
fsr-3355	397	10	an	an	DET
fsr-3355	397	11	economic	economic	ADJ
fsr-3355	397	12	behavior	behavior	NOUN
fsr-3355	397	13	perspective	perspective	NOUN
fsr-3355	397	14	;	;	PUNCT
fsr-3355	397	15	however	however	ADV
fsr-3355	397	16	,	,	PUNCT
fsr-3355	397	17	hiring	hire	VERB
fsr-3355	397	18	a	a	DET
fsr-3355	397	19	financial	financial	ADJ
fsr-3355	397	20	planner	planner	NOUN
fsr-3355	397	21	is	be	AUX
fsr-3355	397	22	a	a	DET
fsr-3355	397	23	complex	complex	ADJ
fsr-3355	397	24	decision	decision	NOUN
fsr-3355	397	25	-	-	PUNCT
fsr-3355	397	26	making	make	VERB
fsr-3355	397	27	process	process	NOUN
fsr-3355	397	28	.	.	PUNCT
fsr-3355	398	1	for	for	ADP
fsr-3355	398	2	example	example	NOUN
fsr-3355	398	3	,	,	PUNCT
fsr-3355	398	4	future	future	ADJ
fsr-3355	398	5	research	research	NOUN
fsr-3355	398	6	should	should	AUX
fsr-3355	398	7	consider	consider	VERB
fsr-3355	398	8	respondents	respondent	NOUN
fsr-3355	398	9	’	'	PUNCT
fsr-3355	398	10	psychological	psychological	ADJ
fsr-3355	398	11	perspectives	perspective	NOUN
fsr-3355	398	12	and	and	CCONJ
fsr-3355	398	13	cognitive	cognitive	ADJ
fsr-3355	398	14	abilities	ability	NOUN
fsr-3355	398	15	.	.	PUNCT
fsr-3355	399	1	third	third	ADJ
fsr-3355	399	2	,	,	PUNCT
fsr-3355	399	3	there	there	PRON
fsr-3355	399	4	are	be	VERB
fsr-3355	399	5	likely	likely	ADJ
fsr-3355	399	6	unobservable	unobservable	ADJ
fsr-3355	399	7	factors	factor	NOUN
fsr-3355	399	8	,	,	PUNCT
fsr-3355	399	9	such	such	ADJ
fsr-3355	399	10	as	as	ADP
fsr-3355	399	11	cultural	cultural	ADJ
fsr-3355	399	12	differences	difference	NOUN
fsr-3355	399	13	,	,	PUNCT
fsr-3355	399	14	at	at	ADP
fsr-3355	399	15	play	play	NOUN
fsr-3355	399	16	in	in	ADP
fsr-3355	399	17	addition	addition	NOUN
fsr-3355	399	18	to	to	ADP
fsr-3355	399	19	those	those	PRON
fsr-3355	399	20	included	include	VERB
fsr-3355	399	21	in	in	ADP
fsr-3355	399	22	this	this	DET
fsr-3355	399	23	study	study	NOUN
fsr-3355	399	24	’s	’s	PART
fsr-3355	399	25	model	model	NOUN
fsr-3355	399	26	.	.	PUNCT
fsr-3355	400	1	for	for	ADP
fsr-3355	400	2	example	example	NOUN
fsr-3355	400	3	,	,	PUNCT
fsr-3355	400	4	it	it	PRON
fsr-3355	400	5	must	must	AUX
fsr-3355	400	6	be	be	AUX
fsr-3355	400	7	noted	note	VERB
fsr-3355	400	8	that	that	SCONJ
fsr-3355	400	9	certain	certain	ADJ
fsr-3355	400	10	consumers	consumer	NOUN
fsr-3355	400	11	may	may	AUX
fsr-3355	400	12	face	face	VERB
fsr-3355	400	13	barriers	barrier	NOUN
fsr-3355	400	14	in	in	ADP
fsr-3355	400	15	seeking	seek	VERB
fsr-3355	400	16	financial	financial	ADJ
fsr-3355	400	17	advice	advice	NOUN
fsr-3355	400	18	due	due	ADP
fsr-3355	400	19	to	to	ADP
fsr-3355	400	20	the	the	DET
fsr-3355	400	21	lack	lack	NOUN
fsr-3355	400	22	of	of	ADP
fsr-3355	400	23	access	access	NOUN
fsr-3355	400	24	to	to	ADP
fsr-3355	400	25	professionals	professional	NOUN
fsr-3355	400	26	who	who	PRON
fsr-3355	400	27	share	share	VERB
fsr-3355	400	28	the	the	DET
fsr-3355	400	29	same	same	ADJ
fsr-3355	400	30	language	language	NOUN
fsr-3355	400	31	and	and	CCONJ
fsr-3355	400	32	cultural	cultural	ADJ
fsr-3355	400	33	background	background	NOUN
fsr-3355	400	34	.	.	PUNCT
fsr-3355	401	1	also	also	ADV
fsr-3355	401	2	,	,	PUNCT
fsr-3355	401	3	differences	difference	NOUN
fsr-3355	401	4	in	in	ADP
fsr-3355	401	5	results	result	NOUN
fsr-3355	401	6	may	may	AUX
fsr-3355	401	7	be	be	AUX
fsr-3355	401	8	related	relate	VERB
fsr-3355	401	9	to	to	ADP
fsr-3355	401	10	differences	difference	NOUN
fsr-3355	401	11	between	between	ADP
fsr-3355	401	12	u.s.-born	u.s.-born	ADJ
fsr-3355	401	13	respondents	respondent	NOUN
fsr-3355	401	14	and	and	CCONJ
fsr-3355	401	15	respondents	respondent	NOUN
fsr-3355	401	16	who	who	PRON
fsr-3355	401	17	migrated	migrate	VERB
fsr-3355	401	18	to	to	ADP
fsr-3355	401	19	the	the	DET
fsr-3355	401	20	u.s	u.s	PROPN
fsr-3355	401	21	.	.	PROPN
fsr-3355	402	1	it	it	PRON
fsr-3355	402	2	is	be	AUX
fsr-3355	402	3	likely	likely	ADJ
fsr-3355	402	4	these	these	DET
fsr-3355	402	5	two	two	NUM
fsr-3355	402	6	groups	group	NOUN
fsr-3355	402	7	may	may	AUX
fsr-3355	402	8	have	have	VERB
fsr-3355	402	9	differing	differ	VERB
fsr-3355	402	10	perspectives	perspective	NOUN
fsr-3355	402	11	on	on	ADP
fsr-3355	402	12	financial	financial	ADJ
fsr-3355	402	13	advice	advice	NOUN
fsr-3355	402	14	seeking	seeking	NOUN
fsr-3355	402	15	.	.	PUNCT
fsr-3355	403	1	fourth	fourth	ADJ
fsr-3355	403	2	,	,	PUNCT
fsr-3355	403	3	asians	asian	NOUN
fsr-3355	403	4	and	and	CCONJ
fsr-3355	403	5	consumers	consumer	NOUN
fsr-3355	403	6	from	from	ADP
fsr-3355	403	7	racial	racial	ADJ
fsr-3355	403	8	/	/	SYM
fsr-3355	403	9	ethnic	ethnic	ADJ
fsr-3355	403	10	groups	group	NOUN
fsr-3355	403	11	with	with	ADP
fsr-3355	403	12	a	a	DET
fsr-3355	403	13	comparatively	comparatively	ADV
fsr-3355	403	14	small	small	ADJ
fsr-3355	403	15	representation	representation	NOUN
fsr-3355	403	16	in	in	ADP
fsr-3355	403	17	the	the	DET
fsr-3355	403	18	sample	sample	NOUN
fsr-3355	403	19	(	(	PUNCT
fsr-3355	403	20	i.e.	i.e.	X
fsr-3355	403	21	,	,	PUNCT
fsr-3355	403	22	native	native	ADJ
fsr-3355	403	23	americans	americans	PROPN
fsr-3355	403	24	)	)	PUNCT
fsr-3355	403	25	were	be	AUX
fsr-3355	403	26	combined	combine	VERB
fsr-3355	403	27	to	to	PART
fsr-3355	403	28	make	make	VERB
fsr-3355	403	29	one	one	NUM
fsr-3355	403	30	category	category	NOUN
fsr-3355	403	31	,	,	PUNCT
fsr-3355	403	32	given	give	VERB
fsr-3355	403	33	the	the	DET
fsr-3355	403	34	limitations	limitation	NOUN
fsr-3355	403	35	in	in	ADP
fsr-3355	403	36	the	the	DET
fsr-3355	403	37	data	datum	NOUN
fsr-3355	403	38	.	.	PUNCT
fsr-3355	404	1	interpretations	interpretation	NOUN
fsr-3355	404	2	of	of	ADP
fsr-3355	404	3	the	the	DET
fsr-3355	404	4	results	result	NOUN
fsr-3355	404	5	for	for	ADP
fsr-3355	404	6	this	this	DET
fsr-3355	404	7	group	group	NOUN
fsr-3355	404	8	should	should	AUX
fsr-3355	404	9	be	be	AUX
fsr-3355	404	10	read	read	VERB
fsr-3355	404	11	with	with	ADP
fsr-3355	404	12	an	an	DET
fsr-3355	404	13	understanding	understanding	NOUN
fsr-3355	404	14	that	that	PRON
fsr-3355	404	15	respondents	respondent	NOUN
fsr-3355	404	16	with	with	ADP
fsr-3355	404	17	diverse	diverse	ADJ
fsr-3355	404	18	racial	racial	ADJ
fsr-3355	404	19	,	,	PUNCT
fsr-3355	404	20	ethnic	ethnic	ADJ
fsr-3355	404	21	,	,	PUNCT
fsr-3355	404	22	and	and	CCONJ
fsr-3355	404	23	cultural	cultural	ADJ
fsr-3355	404	24	identities	identity	NOUN
fsr-3355	404	25	and	and	CCONJ
fsr-3355	404	26	languages	language	NOUN
fsr-3355	404	27	were	be	AUX
fsr-3355	404	28	combined	combine	VERB
fsr-3355	404	29	.	.	PUNCT
fsr-3355	405	1	finally	finally	ADV
fsr-3355	405	2	,	,	PUNCT
fsr-3355	405	3	this	this	DET
fsr-3355	405	4	study	study	NOUN
fsr-3355	405	5	used	use	VERB
fsr-3355	405	6	cross	cross	ADJ
fsr-3355	405	7	-	-	ADJ
fsr-3355	405	8	sectional	sectional	ADJ
fsr-3355	405	9	data	datum	NOUN
fsr-3355	405	10	.	.	PUNCT
fsr-3355	406	1	it	it	PRON
fsr-3355	406	2	would	would	AUX
fsr-3355	406	3	be	be	AUX
fsr-3355	406	4	worthwhile	worthwhile	ADJ
fsr-3355	406	5	to	to	PART
fsr-3355	406	6	estimate	estimate	VERB
fsr-3355	406	7	differences	difference	NOUN
fsr-3355	406	8	over	over	ADP
fsr-3355	406	9	time	time	NOUN
fsr-3355	406	10	utilizing	utilize	VERB
fsr-3355	406	11	panel	panel	NOUN
fsr-3355	406	12	data	datum	NOUN
fsr-3355	406	13	.	.	PUNCT
fsr-3355	407	1	qing	qing	PROPN
fsr-3355	407	2	&	&	CCONJ
fsr-3355	407	3	reiter	reiter	PROPN
fsr-3355	407	4	45	45	NUM
fsr-3355	407	5	references	reference	NOUN
fsr-3355	407	6	aladangady	aladangady	PROPN
fsr-3355	407	7	,	,	PUNCT
fsr-3355	407	8	a.	a.	PROPN
fsr-3355	407	9	,	,	PUNCT
fsr-3355	407	10	chang	chang	PROPN
fsr-3355	407	11	c.	c.	PROPN
fsr-3355	407	12	a.	a.	PROPN
fsr-3355	407	13	,	,	PUNCT
fsr-3355	407	14	&	&	CCONJ
fsr-3355	407	15	krimmel	krimmel	PROPN
fsr-3355	407	16	j.	j.	PROPN
fsr-3355	407	17	(	(	PUNCT
fsr-3355	407	18	2023	2023	NUM
fsr-3355	407	19	)	)	PUNCT
fsr-3355	407	20	.	.	PUNCT
fsr-3355	408	1	"	"	PUNCT
fsr-3355	408	2	greater	great	ADJ
fsr-3355	408	3	wealth	wealth	NOUN
fsr-3355	408	4	,	,	PUNCT
fsr-3355	408	5	greater	great	ADJ
fsr-3355	408	6	uncertainty	uncertainty	NOUN
fsr-3355	408	7	:	:	PUNCT
fsr-3355	408	8	changes	change	NOUN
fsr-3355	408	9	in	in	ADP
fsr-3355	408	10	racial	racial	ADJ
fsr-3355	408	11	inequality	inequality	NOUN
fsr-3355	408	12	in	in	ADP
fsr-3355	408	13	the	the	DET
fsr-3355	408	14	survey	survey	NOUN
fsr-3355	408	15	of	of	ADP
fsr-3355	408	16	consumer	consumer	NOUN
fsr-3355	408	17	finances	finance	NOUN
fsr-3355	408	18	,	,	PUNCT
fsr-3355	408	19	"	"	PUNCT
fsr-3355	408	20	feds	fed	NOUN
fsr-3355	408	21	notes	note	NOUN
fsr-3355	408	22	.	.	PUNCT
fsr-3355	409	1	washington	washington	PROPN
fsr-3355	409	2	:	:	PUNCT
fsr-3355	409	3	board	board	NOUN
fsr-3355	409	4	of	of	ADP
fsr-3355	409	5	governors	governor	NOUN
fsr-3355	409	6	of	of	ADP
fsr-3355	409	7	the	the	DET
fsr-3355	409	8	federal	federal	PROPN
fsr-3355	409	9	reserve	reserve	PROPN
fsr-3355	409	10	system	system	PROPN
fsr-3355	409	11	https://doi.org/10.17016/23807172.3405	https://doi.org/10.17016/23807172.3405	NOUN
fsr-3355	409	12	alyousif	alyousif	NOUN
fsr-3355	409	13	,	,	PUNCT
fsr-3355	409	14	m.	m.	NOUN
fsr-3355	409	15	,	,	PUNCT
fsr-3355	409	16	&	&	CCONJ
fsr-3355	409	17	kalenkoski	kalenkoski	PROPN
fsr-3355	409	18	,	,	PUNCT
fsr-3355	409	19	c.	c.	PROPN
fsr-3355	409	20	(	(	PUNCT
fsr-3355	409	21	2017	2017	NUM
fsr-3355	409	22	)	)	PUNCT
fsr-3355	409	23	.	.	PUNCT
fsr-3355	410	1	who	who	PRON
fsr-3355	410	2	seeks	seek	VERB
fsr-3355	410	3	financial	financial	ADJ
fsr-3355	410	4	advice	advice	NOUN
fsr-3355	410	5	?	?	PUNCT
fsr-3355	411	1	financial	financial	ADJ
fsr-3355	411	2	services	service	NOUN
fsr-3355	411	3	review	review	VERB
fsr-3355	411	4	26(4	26(4	NUM
fsr-3355	411	5	)	)	PUNCT
fsr-3355	411	6	,	,	PUNCT
fsr-3355	411	7	405	405	NUM
fsr-3355	411	8	-	-	SYM
fsr-3355	411	9	432	432	NUM
fsr-3355	411	10	.	.	PUNCT
fsr-3355	412	1	ando	ando	PROPN
fsr-3355	412	2	,	,	PUNCT
fsr-3355	412	3	a.	a.	PROPN
fsr-3355	412	4	,	,	PUNCT
fsr-3355	412	5	&	&	CCONJ
fsr-3355	412	6	modigliani	modigliani	PROPN
fsr-3355	412	7	,	,	PUNCT
fsr-3355	412	8	f.	f.	PROPN
fsr-3355	412	9	(	(	PUNCT
fsr-3355	412	10	1963	1963	NUM
fsr-3355	412	11	)	)	PUNCT
fsr-3355	412	12	.	.	PUNCT
fsr-3355	413	1	the	the	DET
fsr-3355	413	2	“	"	PUNCT
fsr-3355	413	3	life	life	NOUN
fsr-3355	413	4	cycle	cycle	NOUN
fsr-3355	413	5	”	"	PUNCT
fsr-3355	413	6	hypothesis	hypothesis	NOUN
fsr-3355	413	7	of	of	ADP
fsr-3355	413	8	saving	saving	NOUN
fsr-3355	413	9	:	:	PUNCT
fsr-3355	413	10	aggregate	aggregate	VERB
fsr-3355	413	11	implications	implication	NOUN
fsr-3355	413	12	and	and	CCONJ
fsr-3355	413	13	tests	test	NOUN
fsr-3355	413	14	.	.	PUNCT
fsr-3355	414	1	the	the	DET
fsr-3355	414	2	american	american	PROPN
fsr-3355	414	3	economic	economic	PROPN
fsr-3355	414	4	review	review	PROPN
fsr-3355	414	5	,	,	PUNCT
fsr-3355	414	6	53(1	53(1	NOUN
fsr-3355	414	7	)	)	PUNCT
fsr-3355	414	8	,	,	PUNCT
fsr-3355	414	9	55	55	NUM
fsr-3355	414	10	-	-	SYM
fsr-3355	414	11	84	84	NUM
fsr-3355	414	12	.	.	PUNCT
fsr-3355	415	1	anong	anong	PROPN
fsr-3355	415	2	,	,	PUNCT
fsr-3355	415	3	s.t	s.t	PROPN
fsr-3355	415	4	.	.	PROPN
fsr-3355	415	5	(	(	PUNCT
fsr-3355	415	6	2016	2016	NUM
fsr-3355	415	7	)	)	PUNCT
fsr-3355	415	8	.	.	PUNCT
fsr-3355	416	1	financial	financial	ADJ
fsr-3355	416	2	issues	issue	NOUN
fsr-3355	416	3	of	of	ADP
fsr-3355	416	4	african	african	ADJ
fsr-3355	416	5	americans	americans	PROPN
fsr-3355	416	6	.	.	PUNCT
fsr-3355	417	1	in	in	ADP
fsr-3355	417	2	j.	j.	PROPN
fsr-3355	417	3	j.	j.	PROPN
fsr-3355	417	4	xiao	xiao	PROPN
fsr-3355	417	5	(	(	PUNCT
fsr-3355	417	6	ed	ed	NOUN
fsr-3355	417	7	.	.	PUNCT
fsr-3355	417	8	)	)	PUNCT
fsr-3355	417	9	,	,	PUNCT
fsr-3355	417	10	handbook	handbook	NOUN
fsr-3355	417	11	of	of	ADP
fsr-3355	417	12	consumer	consumer	NOUN
fsr-3355	417	13	finance	finance	NOUN
fsr-3355	417	14	research	research	NOUN
fsr-3355	417	15	(	(	PUNCT
fsr-3355	417	16	pp	pp	ADJ
fsr-3355	417	17	.	.	PUNCT
fsr-3355	417	18	215	215	NUM
fsr-3355	417	19	–	–	PUNCT
fsr-3355	417	20	224	224	NUM
fsr-3355	417	21	)	)	PUNCT
fsr-3355	417	22	.	.	PUNCT
fsr-3355	417	23	springer	springer	NOUN
fsr-3355	417	24	.	.	PUNCT
fsr-3355	418	1	https://doi.org/10.1007/978-3-31928887-1_18	https://doi.org/10.1007/978-3-31928887-1_18	PROPN
fsr-3355	418	2	ashman	ashman	PROPN
fsr-3355	418	3	,	,	PUNCT
fsr-3355	418	4	h.	h.	PROPN
fsr-3355	418	5	,	,	PUNCT
fsr-3355	418	6	&	&	CCONJ
fsr-3355	418	7	neumuller	neumuller	PROPN
fsr-3355	418	8	,	,	PUNCT
fsr-3355	418	9	s.	s.	PROPN
fsr-3355	418	10	(	(	PUNCT
fsr-3355	418	11	2020	2020	NUM
fsr-3355	418	12	)	)	PUNCT
fsr-3355	418	13	.	.	PUNCT
fsr-3355	419	1	can	can	AUX
fsr-3355	419	2	income	income	VERB
fsr-3355	419	3	differences	difference	NOUN
fsr-3355	419	4	explain	explain	VERB
fsr-3355	419	5	the	the	DET
fsr-3355	419	6	racial	racial	ADJ
fsr-3355	419	7	wealth	wealth	NOUN
fsr-3355	419	8	gap	gap	NOUN
fsr-3355	419	9	?	?	PUNCT
fsr-3355	420	1	a	a	DET
fsr-3355	420	2	quantitative	quantitative	ADJ
fsr-3355	420	3	analysis	analysis	NOUN
fsr-3355	420	4	.	.	PUNCT
fsr-3355	421	1	review	review	NOUN
fsr-3355	421	2	of	of	ADP
fsr-3355	421	3	economic	economic	ADJ
fsr-3355	421	4	dynamics	dynamic	NOUN
fsr-3355	421	5	,	,	PUNCT
fsr-3355	421	6	35	35	NUM
fsr-3355	421	7	,	,	PUNCT
fsr-3355	421	8	220	220	NUM
fsr-3355	421	9	–	–	SYM
fsr-3355	421	10	239	239	NUM
fsr-3355	421	11	.	.	PUNCT
fsr-3355	422	1	blanco	blanco	PROPN
fsr-3355	422	2	,	,	PUNCT
fsr-3355	422	3	l.	l.	PROPN
fsr-3355	422	4	r.	r.	PROPN
fsr-3355	422	5	,	,	PUNCT
fsr-3355	422	6	aguila	aguila	PROPN
fsr-3355	422	7	,	,	PUNCT
fsr-3355	422	8	e.	e.	PROPN
fsr-3355	422	9	,	,	PUNCT
fsr-3355	422	10	gongora	gongora	PROPN
fsr-3355	422	11	,	,	PUNCT
fsr-3355	422	12	a.	a.	PROPN
fsr-3355	422	13	,	,	PUNCT
fsr-3355	422	14	&	&	CCONJ
fsr-3355	422	15	duru	duru	PROPN
fsr-3355	422	16	,	,	PUNCT
fsr-3355	422	17	o.	o.	PROPN
fsr-3355	422	18	k.	k.	PROPN
fsr-3355	422	19	(	(	PUNCT
fsr-3355	422	20	2017	2017	NUM
fsr-3355	422	21	)	)	PUNCT
fsr-3355	422	22	.	.	PUNCT
fsr-3355	423	1	retirement	retirement	NOUN
fsr-3355	423	2	planning	planning	NOUN
fsr-3355	423	3	among	among	ADP
fsr-3355	423	4	hispanics	hispanic	NOUN
fsr-3355	423	5	:	:	PUNCT
fsr-3355	423	6	in	in	ADP
fsr-3355	423	7	god	god	PROPN
fsr-3355	423	8	’s	’s	PART
fsr-3355	423	9	hands	hand	NOUN
fsr-3355	423	10	?	?	PUNCT
fsr-3355	424	1	journal	journal	NOUN
fsr-3355	424	2	of	of	ADP
fsr-3355	424	3	aging	age	VERB
fsr-3355	424	4	&	&	CCONJ
fsr-3355	424	5	social	social	ADJ
fsr-3355	424	6	policy	policy	NOUN
fsr-3355	424	7	,	,	PUNCT
fsr-3355	424	8	29(4	29(4	NOUN
fsr-3355	424	9	)	)	PUNCT
fsr-3355	424	10	,	,	PUNCT
fsr-3355	424	11	311–331	311–331	NUM
fsr-3355	424	12	.	.	PUNCT
fsr-3355	425	1	https://doi.org/10.1080/08959420.2016	https://doi.org/10.1080/08959420.2016	PROPN
fsr-3355	425	2	.	.	PUNCT
fsr-3355	426	1	1272161	1272161	NUM
fsr-3355	426	2	budiman	budiman	NOUN
fsr-3355	426	3	,	,	PUNCT
fsr-3355	426	4	a.	a.	PROPN
fsr-3355	426	5	,	,	PUNCT
fsr-3355	426	6	tamir	tamir	PROPN
fsr-3355	426	7	,	,	PUNCT
fsr-3355	426	8	c.	c.	PROPN
fsr-3355	426	9	,	,	PUNCT
fsr-3355	426	10	mora	mora	PROPN
fsr-3355	426	11	,	,	PUNCT
fsr-3355	426	12	l.	l.	PROPN
fsr-3355	426	13	,	,	PUNCT
fsr-3355	426	14	&	&	CCONJ
fsr-3355	426	15	noebustamante	noebustamante	PROPN
fsr-3355	426	16	,	,	PUNCT
fsr-3355	426	17	l.	l.	PROPN
fsr-3355	426	18	,	,	PUNCT
fsr-3355	426	19	(	(	PUNCT
fsr-3355	426	20	2020	2020	NUM
fsr-3355	426	21	,	,	PUNCT
fsr-3355	426	22	august	august	PROPN
fsr-3355	426	23	20	20	NUM
fsr-3355	426	24	)	)	PUNCT
fsr-3355	426	25	.	.	PUNCT
fsr-3355	427	1	facts	fact	NOUN
fsr-3355	427	2	on	on	ADP
fsr-3355	427	3	u.s	u.s	PROPN
fsr-3355	427	4	.	.	PROPN
fsr-3355	427	5	immigrants	immigrant	NOUN
fsr-3355	427	6	,	,	PUNCT
fsr-3355	427	7	2018	2018	NUM
fsr-3355	427	8	.	.	PUNCT
fsr-3355	428	1	pew	pew	NOUN
fsr-3355	428	2	research	research	NOUN
fsr-3355	428	3	center	center	NOUN
fsr-3355	428	4	.	.	PUNCT
fsr-3355	429	1	https://www.pewresearch.org/hispanic/2	https://www.pewresearch.org/hispanic/2	PROPN
fsr-3355	429	2	020/08/20	020/08/20	NUM
fsr-3355	429	3	/	/	SYM
fsr-3355	429	4	facts	fact	NOUN
fsr-3355	429	5	-	-	PUNCT
fsr-3355	429	6	on	on	ADP
fsr-3355	429	7	-	-	PUNCT
fsr-3355	429	8	u	u	NOUN
fsr-3355	429	9	-	-	NOUN
fsr-3355	429	10	s	s	NOUN
fsr-3355	429	11	-	-	PUNCT
fsr-3355	429	12	immigrants/	immigrants/	NOUN
fsr-3355	429	13	budiman	budiman	NOUN
fsr-3355	429	14	,	,	PUNCT
fsr-3355	429	15	a.	a.	NOUN
fsr-3355	429	16	,	,	PUNCT
fsr-3355	429	17	&	&	CCONJ
fsr-3355	429	18	ruiz	ruiz	PROPN
fsr-3355	429	19	,	,	PUNCT
fsr-3355	429	20	n.	n.	NOUN
fsr-3355	429	21	g.	g.	PROPN
fsr-3355	429	22	(	(	PUNCT
fsr-3355	429	23	2021	2021	NUM
fsr-3355	429	24	,	,	PUNCT
fsr-3355	429	25	april	april	PROPN
fsr-3355	429	26	29	29	NUM
fsr-3355	429	27	)	)	PUNCT
fsr-3355	429	28	.	.	PUNCT
fsr-3355	430	1	key	key	ADJ
fsr-3355	430	2	facts	fact	NOUN
fsr-3355	430	3	about	about	ADP
fsr-3355	430	4	asian	asian	ADJ
fsr-3355	430	5	americans	americans	PROPN
fsr-3355	430	6	,	,	PUNCT
fsr-3355	430	7	a	a	DET
fsr-3355	430	8	diverse	diverse	ADJ
fsr-3355	430	9	and	and	CCONJ
fsr-3355	430	10	growing	grow	VERB
fsr-3355	430	11	population	population	NOUN
fsr-3355	430	12	.	.	PUNCT
fsr-3355	431	1	pew	pew	NOUN
fsr-3355	431	2	research	research	NOUN
fsr-3355	431	3	center	center	NOUN
fsr-3355	431	4	.	.	PUNCT
fsr-3355	432	1	https://www.pewresearch.org/shortreads/2021/04/29/key-facts-about-asianamericans/	https://www.pewresearch.org/shortreads/2021/04/29/key-facts-about-asianamericans/	PROPN
fsr-3355	432	2	calcagno	calcagno	PROPN
fsr-3355	432	3	,	,	PUNCT
fsr-3355	432	4	r.	r.	PROPN
fsr-3355	432	5	,	,	PUNCT
fsr-3355	432	6	&	&	CCONJ
fsr-3355	432	7	monticone	monticone	PROPN
fsr-3355	432	8	,	,	PUNCT
fsr-3355	432	9	c.	c.	PROPN
fsr-3355	432	10	(	(	PUNCT
fsr-3355	432	11	2015	2015	NUM
fsr-3355	432	12	)	)	PUNCT
fsr-3355	432	13	.	.	PUNCT
fsr-3355	433	1	financial	financial	ADJ
fsr-3355	433	2	literacy	literacy	NOUN
fsr-3355	433	3	and	and	CCONJ
fsr-3355	433	4	the	the	DET
fsr-3355	433	5	demand	demand	NOUN
fsr-3355	433	6	for	for	ADP
fsr-3355	433	7	financial	financial	ADJ
fsr-3355	433	8	advice	advice	NOUN
fsr-3355	433	9	.	.	PUNCT
fsr-3355	434	1	journal	journal	NOUN
fsr-3355	434	2	of	of	ADP
fsr-3355	434	3	banking	banking	NOUN
fsr-3355	434	4	&	&	CCONJ
fsr-3355	434	5	finance	finance	PROPN
fsr-3355	434	6	,	,	PUNCT
fsr-3355	434	7	50	50	NUM
fsr-3355	434	8	,	,	PUNCT
fsr-3355	434	9	363	363	NUM
fsr-3355	434	10	-	-	SYM
fsr-3355	434	11	380	380	NUM
fsr-3355	434	12	.	.	PUNCT
fsr-3355	435	1	chang	chang	PROPN
fsr-3355	435	2	,	,	PUNCT
fsr-3355	435	3	m.	m.	PROPN
fsr-3355	435	4	l.	l.	PROPN
fsr-3355	435	5	(	(	PUNCT
fsr-3355	435	6	2005	2005	NUM
fsr-3355	435	7	)	)	PUNCT
fsr-3355	435	8	.	.	PUNCT
fsr-3355	436	1	with	with	ADP
fsr-3355	436	2	a	a	DET
fsr-3355	436	3	little	little	ADJ
fsr-3355	436	4	help	help	NOUN
fsr-3355	436	5	from	from	ADP
fsr-3355	436	6	my	my	PRON
fsr-3355	436	7	friends	friend	NOUN
fsr-3355	436	8	(	(	PUNCT
fsr-3355	436	9	and	and	CCONJ
fsr-3355	436	10	my	my	PRON
fsr-3355	436	11	financial	financial	ADJ
fsr-3355	436	12	planner	planner	NOUN
fsr-3355	436	13	)	)	PUNCT
fsr-3355	436	14	.	.	PUNCT
fsr-3355	437	1	social	social	ADJ
fsr-3355	437	2	forces	force	NOUN
fsr-3355	437	3	,	,	PUNCT
fsr-3355	437	4	83(4	83(4	NUM
fsr-3355	437	5	)	)	PUNCT
fsr-3355	437	6	,	,	PUNCT
fsr-3355	437	7	1469–1498	1469–1498	NUM
fsr-3355	437	8	.	.	PUNCT
fsr-3355	438	1	https://doi.org/10.1353/sof.2005.0061	https://doi.org/10.1353/sof.2005.0061	PROPN
fsr-3355	438	2	chatterjee	chatterjee	PROPN
fsr-3355	438	3	,	,	PUNCT
fsr-3355	438	4	s.	s.	PROPN
fsr-3355	438	5	,	,	PUNCT
fsr-3355	438	6	&	&	CCONJ
fsr-3355	438	7	zahirovic	zahirovic	PROPN
fsr-3355	438	8	-	-	PUNCT
fsr-3355	438	9	herbert	herbert	PROPN
fsr-3355	438	10	,	,	PUNCT
fsr-3355	438	11	v.	v.	PROPN
fsr-3355	438	12	(	(	PUNCT
fsr-3355	438	13	2010	2010	NUM
fsr-3355	438	14	)	)	PUNCT
fsr-3355	438	15	.	.	PUNCT
fsr-3355	439	1	retirement	retirement	NOUN
fsr-3355	439	2	planning	planning	NOUN
fsr-3355	439	3	of	of	ADP
fsr-3355	439	4	younger	young	ADJ
fsr-3355	439	5	babyboomers	babyboomer	NOUN
fsr-3355	439	6	:	:	PUNCT
fsr-3355	439	7	who	who	PRON
fsr-3355	439	8	wants	want	VERB
fsr-3355	439	9	financial	financial	ADJ
fsr-3355	439	10	advice	advice	NOUN
fsr-3355	439	11	?	?	PUNCT
fsr-3355	440	1	financial	financial	ADJ
fsr-3355	440	2	decisions	decision	NOUN
fsr-3355	440	3	,	,	PUNCT
fsr-3355	440	4	22(2	22(2	NUM
fsr-3355	440	5	)	)	PUNCT
fsr-3355	440	6	,	,	PUNCT
fsr-3355	440	7	1–12	1–12	NOUN
fsr-3355	440	8	.	.	PUNCT
fsr-3355	441	1	craemer	craemer	NOUN
fsr-3355	441	2	,	,	PUNCT
fsr-3355	441	3	t.	t.	PROPN
fsr-3355	441	4	,	,	PUNCT
fsr-3355	441	5	smith	smith	PROPN
fsr-3355	441	6	,	,	PUNCT
fsr-3355	441	7	t.	t.	PROPN
fsr-3355	441	8	,	,	PUNCT
fsr-3355	441	9	harrison	harrison	PROPN
fsr-3355	441	10	,	,	PUNCT
fsr-3355	441	11	b.	b.	PROPN
fsr-3355	441	12	,	,	PUNCT
fsr-3355	441	13	logan	logan	PROPN
fsr-3355	441	14	,	,	PUNCT
fsr-3355	441	15	t.	t.	PROPN
fsr-3355	441	16	,	,	PUNCT
fsr-3355	441	17	bellamy	bellamy	PROPN
fsr-3355	441	18	,	,	PUNCT
fsr-3355	441	19	w.	w.	PROPN
fsr-3355	441	20	,	,	PUNCT
fsr-3355	441	21	&	&	CCONJ
fsr-3355	441	22	darity	darity	PROPN
fsr-3355	441	23	jr	jr	PROPN
fsr-3355	441	24	,	,	PUNCT
fsr-3355	441	25	w.	w.	PROPN
fsr-3355	441	26	(	(	PUNCT
fsr-3355	441	27	2020	2020	NUM
fsr-3355	441	28	)	)	PUNCT
fsr-3355	441	29	.	.	PUNCT
fsr-3355	442	1	wealth	wealth	NOUN
fsr-3355	442	2	implications	implication	NOUN
fsr-3355	442	3	of	of	ADP
fsr-3355	442	4	slavery	slavery	NOUN
fsr-3355	442	5	and	and	CCONJ
fsr-3355	442	6	racial	racial	ADJ
fsr-3355	442	7	discrimination	discrimination	NOUN
fsr-3355	442	8	for	for	ADP
fsr-3355	442	9	african	african	ADJ
fsr-3355	442	10	american	american	ADJ
fsr-3355	442	11	descendants	descendant	NOUN
fsr-3355	442	12	of	of	ADP
fsr-3355	442	13	the	the	DET
fsr-3355	442	14	enslaved	enslave	VERB
fsr-3355	442	15	.	.	PUNCT
fsr-3355	443	1	the	the	DET
fsr-3355	443	2	review	review	NOUN
fsr-3355	443	3	of	of	ADP
fsr-3355	443	4	black	black	ADJ
fsr-3355	443	5	political	political	ADJ
fsr-3355	443	6	economy	economy	NOUN
fsr-3355	443	7	,	,	PUNCT
fsr-3355	443	8	47(3	47(3	NOUN
fsr-3355	443	9	)	)	PUNCT
fsr-3355	443	10	,	,	PUNCT
fsr-3355	443	11	218	218	NUM
fsr-3355	443	12	–	–	PUNCT
fsr-3355	443	13	254	254	NUM
fsr-3355	443	14	.	.	PUNCT
fsr-3355	444	1	cummings	cummings	PROPN
fsr-3355	444	2	,	,	PUNCT
fsr-3355	444	3	b.	b.	PROPN
fsr-3355	444	4	f.	f.	PROPN
fsr-3355	444	5	,	,	PUNCT
fsr-3355	444	6	&	&	CCONJ
fsr-3355	444	7	james	james	PROPN
fsr-3355	444	8	iii	iii	PROPN
fsr-3355	444	9	,	,	PUNCT
fsr-3355	444	10	r.	r.	PROPN
fsr-3355	444	11	n.	n.	PROPN
fsr-3355	444	12	(	(	PUNCT
fsr-3355	444	13	2014	2014	NUM
fsr-3355	444	14	)	)	PUNCT
fsr-3355	444	15	.	.	PUNCT
fsr-3355	445	1	factors	factor	NOUN
fsr-3355	445	2	associated	associate	VERB
fsr-3355	445	3	with	with	ADP
fsr-3355	445	4	getting	get	VERB
fsr-3355	445	5	and	and	CCONJ
fsr-3355	445	6	dropping	drop	VERB
fsr-3355	445	7	financial	financial	ADJ
fsr-3355	445	8	advisors	advisor	NOUN
fsr-3355	445	9	among	among	ADP
fsr-3355	445	10	older	old	ADJ
fsr-3355	445	11	adults	adult	NOUN
fsr-3355	445	12	:	:	PUNCT
fsr-3355	445	13	evidence	evidence	NOUN
fsr-3355	445	14	from	from	ADP
fsr-3355	445	15	longitudinal	longitudinal	ADJ
fsr-3355	445	16	data	datum	NOUN
fsr-3355	445	17	.	.	PUNCT
fsr-3355	446	1	journal	journal	PROPN
fsr-3355	446	2	of	of	ADP
fsr-3355	446	3	financial	financial	ADJ
fsr-3355	446	4	counseling	counseling	NOUN
fsr-3355	446	5	and	and	CCONJ
fsr-3355	446	6	planning	planning	NOUN
fsr-3355	446	7	,	,	PUNCT
fsr-3355	446	8	25(2	25(2	NUM
fsr-3355	446	9	)	)	PUNCT
fsr-3355	446	10	,	,	PUNCT
fsr-3355	446	11	129–147	129–147	NUM
fsr-3355	446	12	.	.	PUNCT
fsr-3355	447	1	elmerick	elmerick	PROPN
fsr-3355	447	2	,	,	PUNCT
fsr-3355	447	3	s.	s.	PROPN
fsr-3355	447	4	,	,	PUNCT
fsr-3355	447	5	montalto	montalto	PROPN
fsr-3355	447	6	,	,	PUNCT
fsr-3355	447	7	c.	c.	PROPN
fsr-3355	447	8	,	,	PUNCT
fsr-3355	447	9	&	&	CCONJ
fsr-3355	447	10	fox	fox	PROPN
fsr-3355	447	11	,	,	PUNCT
fsr-3355	447	12	j.	j.	PROPN
fsr-3355	447	13	(	(	PUNCT
fsr-3355	447	14	2002	2002	NUM
fsr-3355	447	15	)	)	PUNCT
fsr-3355	447	16	.	.	PUNCT
fsr-3355	448	1	use	use	NOUN
fsr-3355	448	2	of	of	ADP
fsr-3355	448	3	financial	financial	ADJ
fsr-3355	448	4	planners	planner	NOUN
fsr-3355	448	5	by	by	ADP
fsr-3355	448	6	u.s	u.s	PROPN
fsr-3355	448	7	.	.	PROPN
fsr-3355	448	8	households	household	NOUN
fsr-3355	448	9	.	.	PUNCT
fsr-3355	449	1	financial	financial	ADJ
fsr-3355	449	2	services	service	NOUN
fsr-3355	449	3	review	review	PROPN
fsr-3355	449	4	,	,	PUNCT
fsr-3355	449	5	11(3	11(3	NUM
fsr-3355	449	6	)	)	PUNCT
fsr-3355	449	7	,	,	PUNCT
fsr-3355	449	8	217231	217231	NUM
fsr-3355	449	9	.	.	PUNCT
fsr-3355	450	1	estreicher	estreicher	PROPN
fsr-3355	450	2	,	,	PUNCT
fsr-3355	450	3	s.	s.	PROPN
fsr-3355	450	4	,	,	PUNCT
fsr-3355	450	5	&	&	CCONJ
fsr-3355	450	6	gold	gold	NOUN
fsr-3355	450	7	,	,	PUNCT
fsr-3355	450	8	l.	l.	PROPN
fsr-3355	450	9	(	(	PUNCT
fsr-3355	450	10	2007	2007	NUM
fsr-3355	450	11	)	)	PUNCT
fsr-3355	450	12	.	.	PUNCT
fsr-3355	451	1	the	the	DET
fsr-3355	451	2	shift	shift	NOUN
fsr-3355	451	3	from	from	ADP
fsr-3355	451	4	defined	define	VERB
fsr-3355	451	5	benefit	benefit	NOUN
fsr-3355	451	6	plans	plan	NOUN
fsr-3355	451	7	to	to	PART
fsr-3355	451	8	defined	define	VERB
fsr-3355	451	9	contribution	contribution	NOUN
fsr-3355	451	10	plans	plan	NOUN
fsr-3355	451	11	.	.	PUNCT
fsr-3355	452	1	lewis	lewis	PROPN
fsr-3355	452	2	&	&	CCONJ
fsr-3355	452	3	clark	clark	PROPN
fsr-3355	452	4	l.	l.	PROPN
fsr-3355	452	5	rev	rev	PROPN
fsr-3355	452	6	.	.	PROPN
fsr-3355	452	7	,	,	PUNCT
fsr-3355	452	8	11	11	NUM
fsr-3355	452	9	,	,	PUNCT
fsr-3355	452	10	331	331	NUM
fsr-3355	452	11	.	.	PUNCT
fsr-3355	453	1	fairlie	fairlie	PROPN
fsr-3355	453	2	,	,	PUNCT
fsr-3355	453	3	w	w	PROPN
fsr-3355	453	4	,	,	PUNCT
fsr-3355	453	5	r	r	NOUN
fsr-3355	453	6	,	,	PUNCT
fsr-3355	453	7	(	(	PUNCT
fsr-3355	453	8	2005	2005	NUM
fsr-3355	453	9	)	)	PUNCT
fsr-3355	453	10	.	.	PUNCT
fsr-3355	454	1	an	an	DET
fsr-3355	454	2	extension	extension	NOUN
fsr-3355	454	3	of	of	ADP
fsr-3355	454	4	the	the	DET
fsr-3355	454	5	blinder	blinder	NOUN
fsr-3355	454	6	-	-	PUNCT
fsr-3355	454	7	oaxaca	oaxaca	PROPN
fsr-3355	454	8	decomposition	decomposition	NOUN
fsr-3355	454	9	technique	technique	NOUN
fsr-3355	454	10	to	to	AUX
fsr-3355	454	11	logit	logit	PROPN
fsr-3355	454	12	and	and	CCONJ
fsr-3355	454	13	probit	probit	NOUN
fsr-3355	454	14	models	model	NOUN
fsr-3355	454	15	.	.	PUNCT
fsr-3355	455	1	journal	journal	NOUN
fsr-3355	455	2	of	of	ADP
fsr-3355	455	3	economic	economic	ADJ
fsr-3355	455	4	and	and	CCONJ
fsr-3355	455	5	social	social	ADJ
fsr-3355	455	6	measurement	measurement	NOUN
fsr-3355	455	7	,	,	PUNCT
fsr-3355	455	8	30(4	30(4	NUM
fsr-3355	455	9	)	)	PUNCT
fsr-3355	455	10	,	,	PUNCT
fsr-3355	455	11	305–316	305–316	NUM
fsr-3355	455	12	.	.	PUNCT
fsr-3355	456	1	https://doi.org/10.3233/jem-2005-0259	https://doi.org/10.3233/jem-2005-0259	PROPN
fsr-3355	456	2	fan	fan	PROPN
fsr-3355	456	3	,	,	PUNCT
fsr-3355	456	4	l.	l.	PROPN
fsr-3355	456	5	(	(	PUNCT
fsr-3355	456	6	2021	2021	NUM
fsr-3355	456	7	)	)	PUNCT
fsr-3355	456	8	.	.	PUNCT
fsr-3355	457	1	a	a	DET
fsr-3355	457	2	conceptual	conceptual	ADJ
fsr-3355	457	3	framework	framework	NOUN
fsr-3355	457	4	of	of	ADP
fsr-3355	457	5	financial	financial	ADJ
fsr-3355	457	6	advice	advice	NOUN
fsr-3355	457	7	-	-	PUNCT
fsr-3355	457	8	seeking	seeking	NOUN
fsr-3355	457	9	and	and	CCONJ
fsr-3355	457	10	short	short	ADJ
fsr-3355	457	11	-	-	PUNCT
fsr-3355	457	12	and	and	CCONJ
fsr-3355	457	13	long	long	ADJ
fsr-3355	457	14	-	-	PUNCT
fsr-3355	457	15	term	term	NOUN
fsr-3355	457	16	financial	financial	ADJ
fsr-3355	457	17	behaviors	behavior	NOUN
fsr-3355	457	18	:	:	PUNCT
fsr-3355	457	19	an	an	DET
fsr-3355	457	20	age	age	NOUN
fsr-3355	457	21	comparison	comparison	NOUN
fsr-3355	457	22	.	.	PUNCT
fsr-3355	458	1	journal	journal	NOUN
fsr-3355	458	2	of	of	ADP
fsr-3355	458	3	family	family	NOUN
fsr-3355	458	4	and	and	CCONJ
fsr-3355	458	5	economic	economic	ADJ
fsr-3355	458	6	issues	issue	NOUN
fsr-3355	458	7	,	,	PUNCT
fsr-3355	458	8	42(1	42(1	NOUN
fsr-3355	458	9	)	)	PUNCT
fsr-3355	458	10	,	,	PUNCT
fsr-3355	458	11	90	90	NUM
fsr-3355	458	12	-	-	SYM
fsr-3355	458	13	112	112	NUM
fsr-3355	458	14	.	.	PUNCT
fsr-3355	459	1	https://doi.org/10.1007/s10834-02009727-3	https://doi.org/10.1007/s10834-02009727-3	PROPN
fsr-3355	459	2	https://doi.org/10.17016/2380-7172.3405	https://doi.org/10.17016/2380-7172.3405	PROPN
fsr-3355	459	3	https://doi.org/10.17016/2380-7172.3405	https://doi.org/10.17016/2380-7172.3405	PROPN
fsr-3355	460	1	https://doi.org/10.1007/978-3-319-28887-1_18	https://doi.org/10.1007/978-3-319-28887-1_18	INTJ
fsr-3355	460	2	https://doi.org/10.1007/978-3-319-28887-1_18	https://doi.org/10.1007/978-3-319-28887-1_18	PUNCT
fsr-3355	461	1	https://doi.org/10.1080/08959420.2016.1272161	https://doi.org/10.1080/08959420.2016.1272161	PUNCT
fsr-3355	461	2	https://doi.org/10.1080/08959420.2016.1272161	https://doi.org/10.1080/08959420.2016.1272161	ADJ
fsr-3355	461	3	https://www.pewresearch.org/hispanic/2020/08/20/facts-on-u-s-immigrants/	https://www.pewresearch.org/hispanic/2020/08/20/facts-on-u-s-immigrants/	NOUN
fsr-3355	461	4	https://www.pewresearch.org/hispanic/2020/08/20/facts-on-u-s-immigrants/	https://www.pewresearch.org/hispanic/2020/08/20/facts-on-u-s-immigrants/	NOUN
fsr-3355	461	5	https://www.pewresearch.org/short-reads/2021/04/29/key-facts-about-asian-americans/	https://www.pewresearch.org/short-reads/2021/04/29/key-facts-about-asian-americans/	NOUN
fsr-3355	461	6	https://www.pewresearch.org/short-reads/2021/04/29/key-facts-about-asian-americans/	https://www.pewresearch.org/short-reads/2021/04/29/key-facts-about-asian-americans/	SYM
fsr-3355	461	7	https://www.pewresearch.org/short-reads/2021/04/29/key-facts-about-asian-americans/	https://www.pewresearch.org/short-reads/2021/04/29/key-facts-about-asian-americans/	NOUN
fsr-3355	461	8	https://doi.org/10.1353/sof.2005.0061	https://doi.org/10.1353/sof.2005.0061	ADJ
fsr-3355	461	9	https://doi.org/10.3233/jem-2005-0259	https://doi.org/10.3233/jem-2005-0259	NOUN
fsr-3355	461	10	https://doi.org/10.1007/s10834-020-09727-3	https://doi.org/10.1007/s10834-020-09727-3	PROPN
fsr-3355	461	11	https://doi.org/10.1007/s10834-020-09727-3	https://doi.org/10.1007/s10834-020-09727-3	PROPN
fsr-3355	461	12	financial	financial	ADJ
fsr-3355	461	13	services	service	NOUN
fsr-3355	461	14	review	review	NOUN
fsr-3355	461	15	,	,	PUNCT
fsr-3355	461	16	32(4	32(4	NUM
fsr-3355	461	17	)	)	PUNCT
fsr-3355	461	18	46	46	NUM
fsr-3355	461	19	finke	finke	PROPN
fsr-3355	461	20	,	,	PUNCT
fsr-3355	461	21	m.	m.	NOUN
fsr-3355	461	22	s.	s.	PROPN
fsr-3355	461	23	,	,	PUNCT
fsr-3355	461	24	huston	huston	PROPN
fsr-3355	461	25	,	,	PUNCT
fsr-3355	461	26	s.	s.	PROPN
fsr-3355	461	27	j.	j.	PROPN
fsr-3355	461	28	,	,	PUNCT
fsr-3355	461	29	&	&	CCONJ
fsr-3355	461	30	winchester	winchester	PROPN
fsr-3355	461	31	,	,	PUNCT
fsr-3355	461	32	d.	d.	PROPN
fsr-3355	461	33	d.	d.	PROPN
fsr-3355	461	34	(	(	PUNCT
fsr-3355	461	35	2011	2011	NUM
fsr-3355	461	36	)	)	PUNCT
fsr-3355	461	37	.	.	PUNCT
fsr-3355	462	1	financial	financial	ADJ
fsr-3355	462	2	advice	advice	NOUN
fsr-3355	462	3	:	:	PUNCT
fsr-3355	462	4	who	who	PRON
fsr-3355	462	5	pays	pay	VERB
fsr-3355	462	6	.	.	PUNCT
fsr-3355	463	1	journal	journal	PROPN
fsr-3355	463	2	of	of	ADP
fsr-3355	463	3	financial	financial	ADJ
fsr-3355	463	4	counseling	counseling	NOUN
fsr-3355	463	5	and	and	CCONJ
fsr-3355	463	6	planning	planning	NOUN
fsr-3355	463	7	,	,	PUNCT
fsr-3355	463	8	22(1	22(1	NUM
fsr-3355	463	9	)	)	PUNCT
fsr-3355	463	10	,	,	PUNCT
fsr-3355	463	11	18–26	18–26	NUM
fsr-3355	463	12	.	.	PUNCT
fsr-3355	464	1	fisher	fisher	PROPN
fsr-3355	464	2	,	,	PUNCT
fsr-3355	464	3	p.	p.	PROPN
fsr-3355	464	4	j.	j.	PROPN
fsr-3355	464	5	(	(	PUNCT
fsr-3355	464	6	2020	2020	NUM
fsr-3355	464	7	)	)	PUNCT
fsr-3355	464	8	.	.	PUNCT
fsr-3355	465	1	financial	financial	ADJ
fsr-3355	465	2	risk	risk	NOUN
fsr-3355	465	3	tolerance	tolerance	NOUN
fsr-3355	465	4	among	among	ADP
fsr-3355	465	5	white	white	ADJ
fsr-3355	465	6	and	and	CCONJ
fsr-3355	465	7	hispanic	hispanic	ADJ
fsr-3355	465	8	households	household	NOUN
fsr-3355	465	9	.	.	PUNCT
fsr-3355	466	1	journal	journal	NOUN
fsr-3355	466	2	of	of	ADP
fsr-3355	466	3	personal	personal	ADJ
fsr-3355	466	4	finance	finance	NOUN
fsr-3355	466	5	,	,	PUNCT
fsr-3355	466	6	19(1	19(1	NUM
fsr-3355	466	7	)	)	PUNCT
fsr-3355	466	8	,	,	PUNCT
fsr-3355	466	9	33–47	33–47	PROPN
fsr-3355	466	10	.	.	PUNCT
fsr-3355	466	11	gaudecker	gaudecker	NOUN
fsr-3355	466	12	,	,	PUNCT
fsr-3355	466	13	h.	h.	PROPN
fsr-3355	466	14	v.	v.	PROPN
fsr-3355	466	15	(	(	PUNCT
fsr-3355	466	16	2015	2015	NUM
fsr-3355	466	17	)	)	PUNCT
fsr-3355	466	18	.	.	PUNCT
fsr-3355	467	1	“	"	PUNCT
fsr-3355	467	2	how	how	SCONJ
fsr-3355	467	3	does	do	AUX
fsr-3355	467	4	household	household	NOUN
fsr-3355	467	5	portfolio	portfolio	NOUN
fsr-3355	467	6	diversification	diversification	NOUN
fsr-3355	467	7	vary	vary	VERB
fsr-3355	467	8	with	with	ADP
fsr-3355	467	9	financial	financial	ADJ
fsr-3355	467	10	literacy	literacy	NOUN
fsr-3355	467	11	and	and	CCONJ
fsr-3355	467	12	financial	financial	ADJ
fsr-3355	467	13	advice	advice	NOUN
fsr-3355	467	14	?	?	PUNCT
fsr-3355	467	15	”	"	PUNCT
fsr-3355	468	1	the	the	DET
fsr-3355	468	2	journal	journal	NOUN
fsr-3355	468	3	of	of	ADP
fsr-3355	468	4	finance	finance	NOUN
fsr-3355	468	5	,	,	PUNCT
fsr-3355	468	6	70(2	70(2	PROPN
fsr-3355	468	7	)	)	PUNCT
fsr-3355	468	8	,	,	PUNCT
fsr-3355	468	9	489–507	489–507	NUM
fsr-3355	468	10	.	.	PUNCT
fsr-3355	469	1	goetz	goetz	PROPN
fsr-3355	469	2	,	,	PUNCT
fsr-3355	469	3	j.	j.	PROPN
fsr-3355	469	4	w.	w.	PROPN
fsr-3355	469	5	,	,	PUNCT
fsr-3355	469	6	palmer	palmer	PROPN
fsr-3355	469	7	,	,	PUNCT
fsr-3355	469	8	l.	l.	PROPN
fsr-3355	469	9	,	,	PUNCT
fsr-3355	469	10	zhang	zhang	PROPN
fsr-3355	469	11	,	,	PUNCT
fsr-3355	469	12	l.	l.	PROPN
fsr-3355	469	13	,	,	PUNCT
fsr-3355	469	14	&	&	CCONJ
fsr-3355	469	15	chatterjee	chatterjee	PROPN
fsr-3355	469	16	,	,	PUNCT
fsr-3355	469	17	s.	s.	PROPN
fsr-3355	469	18	(	(	PUNCT
fsr-3355	469	19	2020	2020	NUM
fsr-3355	469	20	)	)	PUNCT
fsr-3355	469	21	.	.	PUNCT
fsr-3355	470	1	changes	change	NOUN
fsr-3355	470	2	in	in	ADP
fsr-3355	470	3	household	household	NOUN
fsr-3355	470	4	net	net	ADJ
fsr-3355	470	5	financial	financial	ADJ
fsr-3355	470	6	assets	asset	NOUN
fsr-3355	470	7	after	after	ADP
fsr-3355	470	8	the	the	DET
fsr-3355	470	9	great	great	ADJ
fsr-3355	470	10	recession	recession	NOUN
fsr-3355	470	11	:	:	PUNCT
fsr-3355	470	12	did	do	AUX
fsr-3355	470	13	financial	financial	ADJ
fsr-3355	470	14	planners	planner	NOUN
fsr-3355	470	15	make	make	VERB
fsr-3355	470	16	a	a	DET
fsr-3355	470	17	difference	difference	NOUN
fsr-3355	470	18	?	?	PUNCT
fsr-3355	471	1	journal	journal	NOUN
fsr-3355	471	2	of	of	ADP
fsr-3355	471	3	personal	personal	ADJ
fsr-3355	471	4	finance	finance	NOUN
fsr-3355	471	5	,	,	PUNCT
fsr-3355	471	6	19(1	19(1	NUM
fsr-3355	471	7	)	)	PUNCT
fsr-3355	471	8	,	,	PUNCT
fsr-3355	471	9	9	9	NUM
fsr-3355	471	10	-	-	SYM
fsr-3355	471	11	17	17	NUM
fsr-3355	471	12	.	.	PUNCT
fsr-3355	472	1	grable	grable	PROPN
fsr-3355	472	2	,	,	PUNCT
fsr-3355	472	3	j.	j.	PROPN
fsr-3355	472	4	e.	e.	PROPN
fsr-3355	472	5	(	(	PUNCT
fsr-3355	472	6	2016	2016	NUM
fsr-3355	472	7	)	)	PUNCT
fsr-3355	472	8	.	.	PUNCT
fsr-3355	473	1	financial	financial	ADJ
fsr-3355	473	2	risk	risk	NOUN
fsr-3355	473	3	tolerance	tolerance	NOUN
fsr-3355	473	4	.	.	PUNCT
fsr-3355	474	1	in	in	ADP
fsr-3355	474	2	j.	j.	PROPN
fsr-3355	474	3	j.	j.	PROPN
fsr-3355	474	4	xiao	xiao	PROPN
fsr-3355	474	5	(	(	PUNCT
fsr-3355	474	6	ed	ed	NOUN
fsr-3355	474	7	.	.	PUNCT
fsr-3355	474	8	)	)	PUNCT
fsr-3355	474	9	,	,	PUNCT
fsr-3355	474	10	handbook	handbook	NOUN
fsr-3355	474	11	of	of	ADP
fsr-3355	474	12	consumer	consumer	NOUN
fsr-3355	474	13	finance	finance	NOUN
fsr-3355	474	14	research	research	NOUN
fsr-3355	474	15	(	(	PUNCT
fsr-3355	474	16	pp	pp	ADJ
fsr-3355	474	17	.	.	PUNCT
fsr-3355	474	18	19	19	NUM
fsr-3355	474	19	-	-	SYM
fsr-3355	474	20	26	26	NUM
fsr-3355	474	21	)	)	PUNCT
fsr-3355	474	22	.	.	PUNCT
fsr-3355	475	1	springer	springer	NOUN
fsr-3355	475	2	.	.	PUNCT
fsr-3355	476	1	https://doi.org/10.1007/978-3-31928887-1_2	https://doi.org/10.1007/978-3-31928887-1_2	PROPN
fsr-3355	477	1	grable	grable	PROPN
fsr-3355	477	2	,	,	PUNCT
fsr-3355	477	3	j.	j.	PROPN
fsr-3355	477	4	e.	e.	PROPN
fsr-3355	477	5	,	,	PUNCT
fsr-3355	477	6	&	&	CCONJ
fsr-3355	477	7	joo	joo	PROPN
fsr-3355	477	8	,	,	PUNCT
fsr-3355	477	9	s.	s.	PROPN
fsr-3355	477	10	h.	h.	PROPN
fsr-3355	477	11	(	(	PUNCT
fsr-3355	477	12	1999	1999	NUM
fsr-3355	477	13	)	)	PUNCT
fsr-3355	477	14	.	.	PUNCT
fsr-3355	478	1	financial	financial	ADJ
fsr-3355	478	2	helpseeking	helpseeke	VERB
fsr-3355	478	3	behavior	behavior	NOUN
fsr-3355	478	4	:	:	PUNCT
fsr-3355	478	5	theory	theory	NOUN
fsr-3355	478	6	and	and	CCONJ
fsr-3355	478	7	implications	implication	NOUN
fsr-3355	478	8	.	.	PUNCT
fsr-3355	479	1	journal	journal	NOUN
fsr-3355	479	2	of	of	ADP
fsr-3355	479	3	financial	financial	ADJ
fsr-3355	479	4	counseling	counseling	NOUN
fsr-3355	479	5	and	and	CCONJ
fsr-3355	479	6	planning	planning	NOUN
fsr-3355	479	7	,	,	PUNCT
fsr-3355	479	8	10(1	10(1	NUM
fsr-3355	479	9	)	)	PUNCT
fsr-3355	479	10	,	,	PUNCT
fsr-3355	479	11	14	14	NUM
fsr-3355	479	12	-	-	SYM
fsr-3355	479	13	25	25	NUM
fsr-3355	479	14	.	.	PUNCT
fsr-3355	480	1	greig	greig	PROPN
fsr-3355	480	2	,	,	PUNCT
fsr-3355	480	3	f.	f.	PROPN
fsr-3355	480	4	,	,	PUNCT
fsr-3355	480	5	&	&	CCONJ
fsr-3355	480	6	eckerd	eckerd	PROPN
fsr-3355	480	7	,	,	PUNCT
fsr-3355	480	8	g.	g.	PROPN
fsr-3355	480	9	(	(	PUNCT
fsr-3355	480	10	2022	2022	NUM
fsr-3355	480	11	)	)	PUNCT
fsr-3355	480	12	.	.	PUNCT
fsr-3355	481	1	racial	racial	ADJ
fsr-3355	481	2	income	income	NOUN
fsr-3355	481	3	inequality	inequality	NOUN
fsr-3355	481	4	dynamics	dynamic	NOUN
fsr-3355	481	5	:	:	PUNCT
fsr-3355	481	6	big	big	ADJ
fsr-3355	481	7	data	data	NOUN
fsr-3355	481	8	insights	insight	NOUN
fsr-3355	481	9	from	from	ADP
fsr-3355	481	10	2013	2013	NUM
fsr-3355	481	11	through	through	ADP
fsr-3355	481	12	covid-19	covid-19	PROPN
fsr-3355	481	13	.	.	PUNCT
fsr-3355	481	14	jpmorgan	jpmorgan	PROPN
fsr-3355	481	15	chase	chase	PROPN
fsr-3355	481	16	institute	institute	PROPN
fsr-3355	481	17	.	.	PUNCT
fsr-3355	481	18	https://www.jpmorganchase.com/institut	https://www.jpmorganchase.com/institut	X
fsr-3355	482	1	e	e	X
fsr-3355	482	2	/	/	SYM
fsr-3355	482	3	research	research	NOUN
fsr-3355	482	4	/	/	SYM
fsr-3355	482	5	household	household	NOUN
fsr-3355	482	6	-	-	PUNCT
fsr-3355	482	7	incomespending	incomespending	NOUN
fsr-3355	482	8	/	/	SYM
fsr-3355	482	9	racial	racial	ADJ
fsr-3355	482	10	-	-	PUNCT
fsr-3355	482	11	income	income	NOUN
fsr-3355	482	12	-	-	PUNCT
fsr-3355	482	13	inequalitydynamics	inequalitydynamic	NOUN
fsr-3355	482	14	hackethal	hackethal	NOUN
fsr-3355	482	15	,	,	PUNCT
fsr-3355	482	16	a.	a.	NOUN
fsr-3355	482	17	,	,	PUNCT
fsr-3355	482	18	haliassos	haliassos	NOUN
fsr-3355	482	19	,	,	PUNCT
fsr-3355	482	20	m.	m.	NOUN
fsr-3355	482	21	,	,	PUNCT
fsr-3355	482	22	&	&	CCONJ
fsr-3355	482	23	jappelli	jappelli	PROPN
fsr-3355	482	24	,	,	PUNCT
fsr-3355	482	25	t.	t.	PROPN
fsr-3355	482	26	(	(	PUNCT
fsr-3355	482	27	2012	2012	NUM
fsr-3355	482	28	)	)	PUNCT
fsr-3355	482	29	.	.	PUNCT
fsr-3355	483	1	financial	financial	ADJ
fsr-3355	483	2	advisors	advisor	NOUN
fsr-3355	483	3	:	:	PUNCT
fsr-3355	483	4	a	a	DET
fsr-3355	483	5	case	case	NOUN
fsr-3355	483	6	of	of	ADP
fsr-3355	483	7	babysitters	babysitter	NOUN
fsr-3355	483	8	?	?	PUNCT
fsr-3355	484	1	journal	journal	NOUN
fsr-3355	484	2	of	of	ADP
fsr-3355	484	3	banking	banking	NOUN
fsr-3355	484	4	&	&	CCONJ
fsr-3355	484	5	finance	finance	PROPN
fsr-3355	484	6	,	,	PUNCT
fsr-3355	484	7	36(2	36(2	NUM
fsr-3355	484	8	)	)	PUNCT
fsr-3355	484	9	,	,	PUNCT
fsr-3355	484	10	509–524	509–524	NUM
fsr-3355	484	11	.	.	PUNCT
fsr-3355	485	1	https://doi.org/10.1016/j.jbankfin.2011.0	https://doi.org/10.1016/j.jbankfin.2011.0	NUM
fsr-3355	485	2	8.008	8.008	NUM
fsr-3355	485	3	hamilton	hamilton	PROPN
fsr-3355	485	4	,	,	PUNCT
fsr-3355	485	5	d.	d.	PROPN
fsr-3355	485	6	&	&	CCONJ
fsr-3355	485	7	darity	darity	PROPN
fsr-3355	485	8	,	,	PUNCT
fsr-3355	485	9	w.a	w.a	PROPN
fsr-3355	485	10	.	.	PROPN
fsr-3355	485	11	(	(	PUNCT
fsr-3355	485	12	2017	2017	NUM
fsr-3355	485	13	)	)	PUNCT
fsr-3355	485	14	.	.	PUNCT
fsr-3355	486	1	the	the	DET
fsr-3355	486	2	political	political	ADJ
fsr-3355	486	3	economy	economy	NOUN
fsr-3355	486	4	of	of	ADP
fsr-3355	486	5	education	education	NOUN
fsr-3355	486	6	,	,	PUNCT
fsr-3355	486	7	financial	financial	ADJ
fsr-3355	486	8	literacy	literacy	NOUN
fsr-3355	486	9	,	,	PUNCT
fsr-3355	486	10	and	and	CCONJ
fsr-3355	486	11	the	the	DET
fsr-3355	486	12	racial	racial	ADJ
fsr-3355	486	13	wealth	wealth	NOUN
fsr-3355	486	14	gap	gap	NOUN
fsr-3355	486	15	.	.	PUNCT
fsr-3355	487	1	federal	federal	PROPN
fsr-3355	487	2	reserve	reserve	PROPN
fsr-3355	487	3	bank	bank	PROPN
fsr-3355	487	4	of	of	ADP
fsr-3355	487	5	st	st	PROPN
fsr-3355	487	6	.	.	PROPN
fsr-3355	487	7	louis	louis	PROPN
fsr-3355	487	8	review	review	PROPN
fsr-3355	487	9	,	,	PUNCT
fsr-3355	487	10	99(1	99(1	NUM
fsr-3355	487	11	)	)	PUNCT
fsr-3355	487	12	,	,	PUNCT
fsr-3355	487	13	59–76	59–76	NUM
fsr-3355	487	14	.	.	PUNCT
fsr-3355	488	1	hanna	hanna	PROPN
fsr-3355	488	2	,	,	PUNCT
fsr-3355	488	3	s.	s.	PROPN
fsr-3355	488	4	d.	d.	PROPN
fsr-3355	488	5	(	(	PUNCT
fsr-3355	488	6	2011	2011	NUM
fsr-3355	488	7	)	)	PUNCT
fsr-3355	488	8	.	.	PUNCT
fsr-3355	489	1	the	the	DET
fsr-3355	489	2	demand	demand	NOUN
fsr-3355	489	3	for	for	ADP
fsr-3355	489	4	financial	financial	ADJ
fsr-3355	489	5	planning	planning	NOUN
fsr-3355	489	6	services	service	NOUN
fsr-3355	489	7	.	.	PUNCT
fsr-3355	490	1	journal	journal	NOUN
fsr-3355	490	2	of	of	ADP
fsr-3355	490	3	personal	personal	ADJ
fsr-3355	490	4	finance	finance	NOUN
fsr-3355	490	5	,	,	PUNCT
fsr-3355	490	6	10(1	10(1	NUM
fsr-3355	490	7	)	)	PUNCT
fsr-3355	490	8	,	,	PUNCT
fsr-3355	490	9	36–62	36–62	NUM
fsr-3355	490	10	.	.	PUNCT
fsr-3355	491	1	hanna	hanna	PROPN
fsr-3355	491	2	,	,	PUNCT
fsr-3355	491	3	s.	s.	PROPN
fsr-3355	491	4	d.	d.	PROPN
fsr-3355	491	5	,	,	PUNCT
fsr-3355	491	6	wang	wang	PROPN
fsr-3355	491	7	,	,	PUNCT
fsr-3355	491	8	c.	c.	PROPN
fsr-3355	491	9	,	,	PUNCT
fsr-3355	491	10	&	&	CCONJ
fsr-3355	491	11	yuh	yuh	PROPN
fsr-3355	491	12	,	,	PUNCT
fsr-3355	491	13	y.	y.	PROPN
fsr-3355	491	14	(	(	PUNCT
fsr-3355	491	15	2010	2010	NUM
fsr-3355	491	16	)	)	PUNCT
fsr-3355	491	17	.	.	PUNCT
fsr-3355	492	1	racial	racial	ADJ
fsr-3355	492	2	/	/	SYM
fsr-3355	492	3	ethnic	ethnic	ADJ
fsr-3355	492	4	differences	difference	NOUN
fsr-3355	492	5	in	in	ADP
fsr-3355	492	6	high	high	ADJ
fsr-3355	492	7	return	return	NOUN
fsr-3355	492	8	investment	investment	NOUN
fsr-3355	492	9	ownership	ownership	NOUN
fsr-3355	492	10	:	:	PUNCT
fsr-3355	492	11	a	a	DET
fsr-3355	492	12	decomposition	decomposition	NOUN
fsr-3355	492	13	analysis	analysis	NOUN
fsr-3355	492	14	.	.	PUNCT
fsr-3355	493	1	journal	journal	NOUN
fsr-3355	493	2	of	of	ADP
fsr-3355	493	3	financial	financial	ADJ
fsr-3355	493	4	counseling	counseling	NOUN
fsr-3355	493	5	and	and	CCONJ
fsr-3355	493	6	planning	planning	NOUN
fsr-3355	493	7	,	,	PUNCT
fsr-3355	493	8	21(2	21(2	NUM
fsr-3355	493	9	)	)	PUNCT
fsr-3355	493	10	,	,	PUNCT
fsr-3355	493	11	44–59	44–59	PROPN
fsr-3355	493	12	.	.	PUNCT
fsr-3355	494	1	hanna	hanna	PROPN
fsr-3355	494	2	,	,	PUNCT
fsr-3355	494	3	s.	s.	PROPN
fsr-3355	494	4	,	,	PUNCT
fsr-3355	494	5	lee	lee	PROPN
fsr-3355	494	6	,	,	PUNCT
fsr-3355	494	7	j.	j.	PROPN
fsr-3355	494	8	&	&	CCONJ
fsr-3355	494	9	lindamood	lindamood	PROPN
fsr-3355	494	10	,	,	PUNCT
fsr-3355	494	11	s.	s.	PROPN
fsr-3355	494	12	(	(	PUNCT
fsr-3355	494	13	2015	2015	NUM
fsr-3355	494	14	)	)	PUNCT
fsr-3355	494	15	.	.	PUNCT
fsr-3355	495	1	financial	financial	ADJ
fsr-3355	495	2	behavior	behavior	NOUN
fsr-3355	495	3	and	and	CCONJ
fsr-3355	495	4	attitudes	attitude	NOUN
fsr-3355	495	5	of	of	ADP
fsr-3355	495	6	asians	asian	NOUN
fsr-3355	495	7	compared	compare	VERB
fsr-3355	495	8	to	to	ADP
fsr-3355	495	9	other	other	ADJ
fsr-3355	495	10	racial	racial	ADJ
fsr-3355	495	11	/	/	SYM
fsr-3355	495	12	ethnic	ethnic	ADJ
fsr-3355	495	13	groups	group	NOUN
fsr-3355	495	14	in	in	ADP
fsr-3355	495	15	the	the	DET
fsr-3355	495	16	united	united	PROPN
fsr-3355	495	17	states	states	PROPN
fsr-3355	495	18	.	.	PUNCT
fsr-3355	496	1	journal	journal	PROPN
fsr-3355	496	2	of	of	ADP
fsr-3355	496	3	family	family	NOUN
fsr-3355	496	4	and	and	CCONJ
fsr-3355	496	5	economic	economic	ADJ
fsr-3355	496	6	issues	issue	NOUN
fsr-3355	496	7	,	,	PUNCT
fsr-3355	496	8	36(3	36(3	NOUN
fsr-3355	496	9	)	)	PUNCT
fsr-3355	496	10	,	,	PUNCT
fsr-3355	496	11	309–318	309–318	NUM
fsr-3355	496	12	.	.	PUNCT
fsr-3355	497	1	https://doi.org/10.1007/s10834-0159447-2	https://doi.org/10.1007/s10834-0159447-2	NOUN
fsr-3355	497	2	harlow	harlow	PROPN
fsr-3355	497	3	,	,	PUNCT
fsr-3355	497	4	w.	w.	PROPN
fsr-3355	497	5	v.	v.	PROPN
fsr-3355	497	6	,	,	PUNCT
fsr-3355	497	7	brown	brown	PROPN
fsr-3355	497	8	,	,	PUNCT
fsr-3355	497	9	k.	k.	PROPN
fsr-3355	497	10	c.	c.	PROPN
fsr-3355	497	11	,	,	PUNCT
fsr-3355	497	12	&	&	CCONJ
fsr-3355	497	13	jenks	jenks	PROPN
fsr-3355	497	14	,	,	PUNCT
fsr-3355	497	15	s.	s.	PROPN
fsr-3355	497	16	e.	e.	PROPN
fsr-3355	497	17	(	(	PUNCT
fsr-3355	497	18	2020	2020	NUM
fsr-3355	497	19	)	)	PUNCT
fsr-3355	497	20	.	.	PUNCT
fsr-3355	498	1	the	the	DET
fsr-3355	498	2	use	use	NOUN
fsr-3355	498	3	and	and	CCONJ
fsr-3355	498	4	value	value	NOUN
fsr-3355	498	5	of	of	ADP
fsr-3355	498	6	financial	financial	ADJ
fsr-3355	498	7	advice	advice	NOUN
fsr-3355	498	8	for	for	ADP
fsr-3355	498	9	retirement	retirement	NOUN
fsr-3355	498	10	planning	planning	NOUN
fsr-3355	498	11	.	.	PUNCT
fsr-3355	499	1	the	the	DET
fsr-3355	499	2	journal	journal	PROPN
fsr-3355	499	3	of	of	ADP
fsr-3355	499	4	retirement	retirement	NOUN
fsr-3355	499	5	,	,	PUNCT
fsr-3355	499	6	7(3	7(3	NUM
fsr-3355	499	7	)	)	PUNCT
fsr-3355	499	8	,	,	PUNCT
fsr-3355	499	9	46–79	46–79	ADV
fsr-3355	499	10	.	.	PUNCT
fsr-3355	500	1	hasler	hasler	PROPN
fsr-3355	500	2	,	,	PUNCT
fsr-3355	500	3	a.	a.	NOUN
fsr-3355	500	4	,	,	PUNCT
fsr-3355	500	5	lusardi	lusardi	PROPN
fsr-3355	500	6	,	,	PUNCT
fsr-3355	500	7	a.	a.	PROPN
fsr-3355	500	8	,	,	PUNCT
fsr-3355	500	9	mitchell	mitchell	PROPN
fsr-3355	500	10	,	,	PUNCT
fsr-3355	500	11	o.	o.	PROPN
fsr-3355	500	12	s.	s.	PROPN
fsr-3355	500	13	,	,	PUNCT
fsr-3355	500	14	&	&	CCONJ
fsr-3355	500	15	sconti	sconti	PROPN
fsr-3355	500	16	,	,	PUNCT
fsr-3355	500	17	a.	a.	NOUN
fsr-3355	500	18	(	(	PUNCT
fsr-3355	500	19	2023	2023	NUM
fsr-3355	500	20	)	)	PUNCT
fsr-3355	500	21	.	.	PUNCT
fsr-3355	501	1	understanding	understand	VERB
fsr-3355	501	2	financial	financial	ADJ
fsr-3355	501	3	vulnerability	vulnerability	NOUN
fsr-3355	501	4	among	among	ADP
fsr-3355	501	5	asians	asians	PROPN
fsr-3355	501	6	,	,	PUNCT
fsr-3355	501	7	blacks	black	NOUN
fsr-3355	501	8	,	,	PUNCT
fsr-3355	501	9	and	and	CCONJ
fsr-3355	501	10	hispanics	hispanic	NOUN
fsr-3355	501	11	in	in	ADP
fsr-3355	501	12	the	the	DET
fsr-3355	501	13	united	united	PROPN
fsr-3355	501	14	states	states	PROPN
fsr-3355	501	15	.	.	PUNCT
fsr-3355	502	1	teachers	teacher	NOUN
fsr-3355	502	2	insurance	insurance	PROPN
fsr-3355	502	3	and	and	CCONJ
fsr-3355	502	4	annuity	annuity	NOUN
fsr-3355	502	5	association	association	PROPN
fsr-3355	502	6	of	of	ADP
fsr-3355	502	7	america	america	PROPN
fsr-3355	502	8	,	,	PUNCT
fsr-3355	502	9	200	200	NUM
fsr-3355	502	10	,	,	PUNCT
fsr-3355	502	11	1–34	1–34	NOUN
fsr-3355	502	12	.	.	PUNCT
fsr-3355	503	1	https://doi.org/10.2139/ssrn.4425740	https://doi.org/10.2139/ssrn.4425740	ADP
fsr-3355	503	2	hsu	hsu	PROPN
fsr-3355	503	3	,	,	PUNCT
fsr-3355	503	4	y.	y.	PROPN
fsr-3355	503	5	l.	l.	PROPN
fsr-3355	503	6	(	(	PUNCT
fsr-3355	503	7	2022	2022	NUM
fsr-3355	503	8	)	)	PUNCT
fsr-3355	503	9	.	.	PUNCT
fsr-3355	504	1	financial	financial	ADJ
fsr-3355	504	2	advice	advice	NOUN
fsr-3355	504	3	seeking	seeking	NOUN
fsr-3355	504	4	and	and	CCONJ
fsr-3355	504	5	behavioral	behavioral	ADJ
fsr-3355	504	6	bias	bias	NOUN
fsr-3355	504	7	.	.	PUNCT
fsr-3355	505	1	finance	finance	NOUN
fsr-3355	505	2	research	research	NOUN
fsr-3355	505	3	letters	letter	NOUN
fsr-3355	505	4	,	,	PUNCT
fsr-3355	505	5	46	46	NUM
fsr-3355	505	6	,	,	PUNCT
fsr-3355	505	7	102505	102505	NUM
fsr-3355	505	8	.	.	PUNCT
fsr-3355	506	1	https://doi.org/10.1016/j.frl.2021.10250	https://doi.org/10.1016/j.frl.2021.10250	PROPN
fsr-3355	506	2	5	5	NUM
fsr-3355	506	3	jackson	jackson	PROPN
fsr-3355	506	4	,	,	PUNCT
fsr-3355	506	5	j.	j.	PROPN
fsr-3355	506	6	d.	d.	PROPN
fsr-3355	506	7	,	,	PUNCT
fsr-3355	506	8	&	&	CCONJ
fsr-3355	506	9	lindley	lindley	PROPN
fsr-3355	506	10	,	,	PUNCT
fsr-3355	506	11	j.	j.	PROPN
fsr-3355	506	12	t.	t.	PROPN
fsr-3355	506	13	(	(	PUNCT
fsr-3355	506	14	1989	1989	NUM
fsr-3355	506	15	)	)	PUNCT
fsr-3355	506	16	.	.	PUNCT
fsr-3355	507	1	measuring	measure	VERB
fsr-3355	507	2	the	the	DET
fsr-3355	507	3	extent	extent	NOUN
fsr-3355	507	4	of	of	ADP
fsr-3355	507	5	wage	wage	NOUN
fsr-3355	507	6	discrimination	discrimination	NOUN
fsr-3355	507	7	:	:	PUNCT
fsr-3355	507	8	a	a	DET
fsr-3355	507	9	statistical	statistical	ADJ
fsr-3355	507	10	test	test	NOUN
fsr-3355	507	11	and	and	CCONJ
fsr-3355	507	12	a	a	DET
fsr-3355	507	13	caveat	caveat	NOUN
fsr-3355	507	14	.	.	PUNCT
fsr-3355	508	1	applied	apply	VERB
fsr-3355	508	2	economics	economic	NOUN
fsr-3355	508	3	,	,	PUNCT
fsr-3355	508	4	21(4	21(4	NUM
fsr-3355	508	5	)	)	PUNCT
fsr-3355	508	6	,	,	PUNCT
fsr-3355	508	7	515–540	515–540	NUM
fsr-3355	508	8	.	.	PUNCT
fsr-3355	509	1	joo	joo	PROPN
fsr-3355	509	2	,	,	PUNCT
fsr-3355	509	3	s.	s.	PROPN
fsr-3355	509	4	h.	h.	PROPN
fsr-3355	509	5	,	,	PUNCT
fsr-3355	509	6	&	&	CCONJ
fsr-3355	509	7	grable	grable	PROPN
fsr-3355	509	8	,	,	PUNCT
fsr-3355	509	9	j.	j.	PROPN
fsr-3355	509	10	e.	e.	PROPN
fsr-3355	509	11	(	(	PUNCT
fsr-3355	509	12	2001	2001	NUM
fsr-3355	509	13	)	)	PUNCT
fsr-3355	509	14	.	.	PUNCT
fsr-3355	510	1	factors	factor	NOUN
fsr-3355	510	2	associated	associate	VERB
fsr-3355	510	3	with	with	ADP
fsr-3355	510	4	seeking	seek	VERB
fsr-3355	510	5	and	and	CCONJ
fsr-3355	510	6	using	use	VERB
fsr-3355	510	7	professional	professional	ADJ
fsr-3355	510	8	retirement‐planning	retirement‐planne	VERB
fsr-3355	510	9	help	help	NOUN
fsr-3355	510	10	.	.	PUNCT
fsr-3355	511	1	family	family	NOUN
fsr-3355	511	2	and	and	CCONJ
fsr-3355	511	3	consumer	consumer	NOUN
fsr-3355	511	4	sciences	sciences	PROPN
fsr-3355	511	5	research	research	NOUN
fsr-3355	511	6	journal	journal	NOUN
fsr-3355	511	7	,	,	PUNCT
fsr-3355	511	8	30(1	30(1	NUM
fsr-3355	511	9	)	)	PUNCT
fsr-3355	511	10	,	,	PUNCT
fsr-3355	511	11	37	37	NUM
fsr-3355	511	12	-	-	SYM
fsr-3355	511	13	63	63	NUM
fsr-3355	511	14	.	.	PUNCT
fsr-3355	512	1	https://doi.org/10.1007/978-3-319-28887-1_2	https://doi.org/10.1007/978-3-319-28887-1_2	X
fsr-3355	512	2	https://doi.org/10.1007/978-3-319-28887-1_2	https://doi.org/10.1007/978-3-319-28887-1_2	X
fsr-3355	513	1	https://www.jpmorganchase.com/institute/research/household-income-spending/racial-income-inequality-dynamics	https://www.jpmorganchase.com/institute/research/household-income-spending/racial-income-inequality-dynamics	PROPN
fsr-3355	513	2	https://www.jpmorganchase.com/institute/research/household-income-spending/racial-income-inequality-dynamics	https://www.jpmorganchase.com/institute/research/household-income-spending/racial-income-inequality-dynamics	PROPN
fsr-3355	513	3	https://www.jpmorganchase.com/institute/research/household-income-spending/racial-income-inequality-dynamics	https://www.jpmorganchase.com/institute/research/household-income-spending/racial-income-inequality-dynamics	PROPN
fsr-3355	513	4	https://www.jpmorganchase.com/institute/research/household-income-spending/racial-income-inequality-dynamics	https://www.jpmorganchase.com/institute/research/household-income-spending/racial-income-inequality-dynamics	PROPN
fsr-3355	513	5	https://doi.org/10.1016/j.jbankfin.2011.08.008	https://doi.org/10.1016/j.jbankfin.2011.08.008	PROPN
fsr-3355	513	6	https://doi.org/10.1016/j.jbankfin.2011.08.008	https://doi.org/10.1016/j.jbankfin.2011.08.008	NOUN
fsr-3355	513	7	https://doi.org/10.1007/s10834-015-9447-2	https://doi.org/10.1007/s10834-015-9447-2	NUM
fsr-3355	513	8	https://doi.org/10.1007/s10834-015-9447-2	https://doi.org/10.1007/s10834-015-9447-2	NUM
fsr-3355	513	9	https://doi.org/10.2139/ssrn.4425740	https://doi.org/10.2139/ssrn.4425740	ADP
fsr-3355	513	10	https://doi.org/10.1016/j.frl.2021.102505	https://doi.org/10.1016/j.frl.2021.102505	PROPN
fsr-3355	513	11	https://doi.org/10.1016/j.frl.2021.102505	https://doi.org/10.1016/j.frl.2021.102505	PROPN
fsr-3355	513	12	qing	qing	PROPN
fsr-3355	513	13	&	&	CCONJ
fsr-3355	513	14	reiter	reiter	PROPN
fsr-3355	513	15	47	47	NUM
fsr-3355	513	16	kim	kim	PROPN
fsr-3355	513	17	,	,	PUNCT
fsr-3355	513	18	k.	k.	PROPN
fsr-3355	513	19	t.	t.	PROPN
fsr-3355	513	20	,	,	PUNCT
fsr-3355	513	21	pak	pak	PROPN
fsr-3355	513	22	,	,	PUNCT
fsr-3355	513	23	t.	t.	PROPN
fsr-3355	513	24	y.	y.	PROPN
fsr-3355	513	25	,	,	PUNCT
fsr-3355	513	26	shin	shin	PROPN
fsr-3355	513	27	,	,	PUNCT
fsr-3355	513	28	s.	s.	PROPN
fsr-3355	513	29	h.	h.	PROPN
fsr-3355	513	30	,	,	PUNCT
fsr-3355	513	31	&	&	CCONJ
fsr-3355	513	32	hanna	hanna	PROPN
fsr-3355	513	33	,	,	PUNCT
fsr-3355	513	34	s.	s.	PROPN
fsr-3355	513	35	d.	d.	PROPN
fsr-3355	513	36	(	(	PUNCT
fsr-3355	513	37	2018	2018	NUM
fsr-3355	513	38	)	)	PUNCT
fsr-3355	513	39	.	.	PUNCT
fsr-3355	514	1	the	the	DET
fsr-3355	514	2	relationship	relationship	NOUN
fsr-3355	514	3	between	between	ADP
fsr-3355	514	4	financial	financial	ADJ
fsr-3355	514	5	planner	planner	NOUN
fsr-3355	514	6	use	use	NOUN
fsr-3355	514	7	and	and	CCONJ
fsr-3355	514	8	holding	hold	VERB
fsr-3355	514	9	a	a	DET
fsr-3355	514	10	retirement	retirement	NOUN
fsr-3355	514	11	saving	save	VERB
fsr-3355	514	12	goal	goal	NOUN
fsr-3355	514	13	:	:	PUNCT
fsr-3355	514	14	a	a	DET
fsr-3355	514	15	propensity	propensity	NOUN
fsr-3355	514	16	score	score	NOUN
fsr-3355	514	17	matching	match	VERB
fsr-3355	514	18	analysis	analysis	NOUN
fsr-3355	514	19	.	.	PUNCT
fsr-3355	515	1	financial	financial	ADJ
fsr-3355	515	2	planning	planning	NOUN
fsr-3355	515	3	review	review	NOUN
fsr-3355	515	4	,	,	PUNCT
fsr-3355	515	5	1(1	1(1	NUM
fsr-3355	515	6	-	-	SYM
fsr-3355	515	7	2	2	NUM
fsr-3355	515	8	)	)	PUNCT
fsr-3355	515	9	,	,	PUNCT
fsr-3355	515	10	e1008	e1008	PROPN
fsr-3355	515	11	.	.	PUNCT
fsr-3355	516	1	https://doi/10.1002	https://doi/10.1002	PROPN
fsr-3355	516	2	/	/	SYM
fsr-3355	516	3	cfp2.1008	cfp2.1008	PROPN
fsr-3355	516	4	kramer	kramer	PROPN
fsr-3355	516	5	,	,	PUNCT
fsr-3355	516	6	m.	m.	NOUN
fsr-3355	516	7	m.	m.	NOUN
fsr-3355	516	8	(	(	PUNCT
fsr-3355	516	9	2016	2016	NUM
fsr-3355	516	10	)	)	PUNCT
fsr-3355	516	11	.	.	PUNCT
fsr-3355	517	1	financial	financial	ADJ
fsr-3355	517	2	literacy	literacy	NOUN
fsr-3355	517	3	,	,	PUNCT
fsr-3355	517	4	confidence	confidence	NOUN
fsr-3355	517	5	,	,	PUNCT
fsr-3355	517	6	and	and	CCONJ
fsr-3355	517	7	financial	financial	ADJ
fsr-3355	517	8	advice	advice	NOUN
fsr-3355	517	9	seeking	seeking	NOUN
fsr-3355	517	10	.	.	PUNCT
fsr-3355	518	1	journal	journal	PROPN
fsr-3355	518	2	of	of	ADP
fsr-3355	518	3	economic	economic	ADJ
fsr-3355	518	4	behavior	behavior	NOUN
fsr-3355	518	5	&	&	CCONJ
fsr-3355	518	6	organization	organization	PROPN
fsr-3355	518	7	,	,	PUNCT
fsr-3355	518	8	131	131	NUM
fsr-3355	518	9	,	,	PUNCT
fsr-3355	518	10	198	198	NUM
fsr-3355	518	11	-	-	SYM
fsr-3355	518	12	217	217	NUM
fsr-3355	518	13	.	.	PUNCT
fsr-3355	519	1	https://doi.org/10.1016/j.jebo.2016.08.0	https://doi.org/10.1016/j.jebo.2016.08.0	PROPN
fsr-3355	519	2	16	16	NUM
fsr-3355	519	3	lachance	lachance	PROPN
fsr-3355	519	4	,	,	PUNCT
fsr-3355	519	5	m.	m.	PROPN
fsr-3355	519	6	e.	e.	PROPN
fsr-3355	519	7	,	,	PUNCT
fsr-3355	519	8	&	&	CCONJ
fsr-3355	519	9	tang	tang	PROPN
fsr-3355	519	10	,	,	PUNCT
fsr-3355	519	11	n.	n.	NOUN
fsr-3355	519	12	(	(	PUNCT
fsr-3355	519	13	2012	2012	NUM
fsr-3355	519	14	)	)	PUNCT
fsr-3355	519	15	.	.	PUNCT
fsr-3355	520	1	financial	financial	ADJ
fsr-3355	520	2	advice	advice	NOUN
fsr-3355	520	3	and	and	CCONJ
fsr-3355	520	4	trust	trust	NOUN
fsr-3355	520	5	.	.	PUNCT
fsr-3355	521	1	financial	financial	ADJ
fsr-3355	521	2	services	services	PROPN
fsr-3355	521	3	review	review	PROPN
fsr-3355	521	4	,	,	PUNCT
fsr-3355	521	5	21(3	21(3	NUM
fsr-3355	521	6	)	)	PUNCT
fsr-3355	521	7	,	,	PUNCT
fsr-3355	521	8	209–226	209–226	NUM
fsr-3355	521	9	.	.	PUNCT
fsr-3355	522	1	lee	lee	PROPN
fsr-3355	522	2	,	,	PUNCT
fsr-3355	522	3	s.	s.	PROPN
fsr-3355	522	4	t.	t.	PROPN
fsr-3355	522	5	,	,	PUNCT
fsr-3355	522	6	kim	kim	PROPN
fsr-3355	522	7	,	,	PUNCT
fsr-3355	522	8	k.	k.	PROPN
fsr-3355	522	9	t.	t.	PROPN
fsr-3355	522	10	(	(	PUNCT
fsr-3355	522	11	2022	2022	NUM
fsr-3355	522	12	)	)	PUNCT
fsr-3355	522	13	.	.	PUNCT
fsr-3355	523	1	a	a	DET
fsr-3355	523	2	decomposition	decomposition	NOUN
fsr-3355	523	3	analysis	analysis	NOUN
fsr-3355	523	4	of	of	ADP
fsr-3355	523	5	racial	racial	ADJ
fsr-3355	523	6	/	/	SYM
fsr-3355	523	7	ethnic	ethnic	ADJ
fsr-3355	523	8	differences	difference	NOUN
fsr-3355	523	9	in	in	ADP
fsr-3355	523	10	financial	financial	ADJ
fsr-3355	523	11	knowledge	knowledge	NOUN
fsr-3355	523	12	and	and	CCONJ
fsr-3355	523	13	overconfidence	overconfidence	NOUN
fsr-3355	523	14	.	.	PUNCT
fsr-3355	524	1	journal	journal	PROPN
fsr-3355	524	2	of	of	ADP
fsr-3355	524	3	family	family	NOUN
fsr-3355	524	4	and	and	CCONJ
fsr-3355	524	5	economics	economic	NOUN
fsr-3355	524	6	,	,	PUNCT
fsr-3355	524	7	43(4	43(4	NOUN
fsr-3355	524	8	)	)	PUNCT
fsr-3355	524	9	,	,	PUNCT
fsr-3355	524	10	815–831	815–831	NUM
fsr-3355	524	11	.	.	PUNCT
fsr-3355	525	1	https://doi.org/10.1007/s10834-02109795-z	https://doi.org/10.1007/s10834-02109795-z	PRON
fsr-3355	525	2	lei	lei	PROPN
fsr-3355	525	3	,	,	PUNCT
fsr-3355	525	4	s.	s.	PROPN
fsr-3355	525	5	,	,	PUNCT
fsr-3355	525	6	&	&	CCONJ
fsr-3355	525	7	kordes	kordes	PROPN
fsr-3355	525	8	,	,	PUNCT
fsr-3355	525	9	m.	m.	NOUN
fsr-3355	525	10	h.	h.	PROPN
fsr-3355	525	11	(	(	PUNCT
fsr-3355	525	12	2020	2020	NUM
fsr-3355	525	13	)	)	PUNCT
fsr-3355	525	14	.	.	PUNCT
fsr-3355	526	1	women	woman	NOUN
fsr-3355	526	2	,	,	PUNCT
fsr-3355	526	3	wealth	wealth	NOUN
fsr-3355	526	4	,	,	PUNCT
fsr-3355	526	5	and	and	CCONJ
fsr-3355	526	6	demand	demand	NOUN
fsr-3355	526	7	for	for	ADP
fsr-3355	526	8	financial	financial	ADJ
fsr-3355	526	9	planning	planning	NOUN
fsr-3355	526	10	services	service	NOUN
fsr-3355	526	11	.	.	PUNCT
fsr-3355	527	1	journal	journal	NOUN
fsr-3355	527	2	of	of	ADP
fsr-3355	527	3	financial	financial	ADJ
fsr-3355	527	4	planning	planning	NOUN
fsr-3355	527	5	,	,	PUNCT
fsr-3355	527	6	33(8	33(8	NUM
fsr-3355	527	7	)	)	PUNCT
fsr-3355	527	8	,	,	PUNCT
fsr-3355	527	9	48	48	NUM
fsr-3355	527	10	-	-	SYM
fsr-3355	527	11	55	55	NUM
fsr-3355	527	12	.	.	PUNCT
fsr-3355	528	1	lim	lim	PROPN
fsr-3355	528	2	,	,	PUNCT
fsr-3355	528	3	h.	h.	PROPN
fsr-3355	528	4	,	,	PUNCT
fsr-3355	528	5	heckman	heckman	PROPN
fsr-3355	528	6	,	,	PUNCT
fsr-3355	528	7	s.	s.	PROPN
fsr-3355	528	8	,	,	PUNCT
fsr-3355	528	9	montalto	montalto	PROPN
fsr-3355	528	10	,	,	PUNCT
fsr-3355	528	11	c.	c.	PROPN
fsr-3355	528	12	p.	p.	PROPN
fsr-3355	528	13	,	,	PUNCT
fsr-3355	528	14	&	&	CCONJ
fsr-3355	528	15	letkiewicz	letkiewicz	PROPN
fsr-3355	528	16	,	,	PUNCT
fsr-3355	528	17	j.	j.	PROPN
fsr-3355	528	18	(	(	PUNCT
fsr-3355	528	19	2014	2014	NUM
fsr-3355	528	20	)	)	PUNCT
fsr-3355	528	21	.	.	PUNCT
fsr-3355	529	1	financial	financial	ADJ
fsr-3355	529	2	stress	stress	NOUN
fsr-3355	529	3	,	,	PUNCT
fsr-3355	529	4	self	self	NOUN
fsr-3355	529	5	-	-	PUNCT
fsr-3355	529	6	efficacy	efficacy	NOUN
fsr-3355	529	7	,	,	PUNCT
fsr-3355	529	8	and	and	CCONJ
fsr-3355	529	9	financial	financial	ADJ
fsr-3355	529	10	help	help	NOUN
fsr-3355	529	11	-	-	PUNCT
fsr-3355	529	12	seeking	seek	VERB
fsr-3355	529	13	behavior	behavior	NOUN
fsr-3355	529	14	of	of	ADP
fsr-3355	529	15	college	college	NOUN
fsr-3355	529	16	students	student	NOUN
fsr-3355	529	17	.	.	PUNCT
fsr-3355	530	1	journal	journal	NOUN
fsr-3355	530	2	of	of	ADP
fsr-3355	530	3	financial	financial	ADJ
fsr-3355	530	4	counseling	counseling	NOUN
fsr-3355	530	5	and	and	CCONJ
fsr-3355	530	6	planning	planning	NOUN
fsr-3355	530	7	,	,	PUNCT
fsr-3355	530	8	25(2	25(2	NUM
fsr-3355	530	9	)	)	PUNCT
fsr-3355	530	10	,	,	PUNCT
fsr-3355	530	11	148	148	NUM
fsr-3355	530	12	-	-	SYM
fsr-3355	530	13	160	160	NUM
fsr-3355	530	14	.	.	PUNCT
fsr-3355	531	1	lindamood	lindamood	PROPN
fsr-3355	531	2	d	d	PROPN
fsr-3355	531	3	,	,	PUNCT
fsr-3355	531	4	s.	s.	PROPN
fsr-3355	531	5	,	,	PUNCT
fsr-3355	531	6	hanna	hanna	PROPN
fsr-3355	531	7	,	,	PUNCT
fsr-3355	531	8	s.	s.	PROPN
fsr-3355	531	9	d.	d.	PROPN
fsr-3355	531	10	and	and	CCONJ
fsr-3355	531	11	bi	bi	PROPN
fsr-3355	531	12	,	,	PUNCT
fsr-3355	531	13	l.	l.	PROPN
fsr-3355	531	14	(	(	PUNCT
fsr-3355	531	15	2007	2007	NUM
fsr-3355	531	16	)	)	PUNCT
fsr-3355	531	17	.	.	PUNCT
fsr-3355	532	1	using	use	VERB
fsr-3355	532	2	the	the	DET
fsr-3355	532	3	survey	survey	NOUN
fsr-3355	532	4	of	of	ADP
fsr-3355	532	5	consumer	consumer	NOUN
fsr-3355	532	6	finances	finance	NOUN
fsr-3355	532	7	:	:	PUNCT
fsr-3355	532	8	some	some	DET
fsr-3355	532	9	methodological	methodological	ADJ
fsr-3355	532	10	considerations	consideration	NOUN
fsr-3355	532	11	and	and	CCONJ
fsr-3355	532	12	issues	issue	NOUN
fsr-3355	532	13	.	.	PUNCT
fsr-3355	533	1	journal	journal	NOUN
fsr-3355	533	2	of	of	ADP
fsr-3355	533	3	consumer	consumer	NOUN
fsr-3355	533	4	affairs	affair	NOUN
fsr-3355	533	5	,	,	PUNCT
fsr-3355	533	6	41(2	41(2	NUM
fsr-3355	533	7	)	)	PUNCT
fsr-3355	533	8	,	,	PUNCT
fsr-3355	533	9	195–222	195–222	NUM
fsr-3355	533	10	.	.	PUNCT
fsr-3355	534	1	https://doi.org/10.1111/j.1745	https://doi.org/10.1111/j.1745	PROPN
fsr-3355	534	2	6606.2007.00075_1.x	6606.2007.00075_1.x	PROPN
fsr-3355	534	3	liu	liu	PROPN
fsr-3355	534	4	,	,	PUNCT
fsr-3355	534	5	f.	f.	PROPN
fsr-3355	534	6	,	,	PUNCT
fsr-3355	534	7	yilmazer	yilmazer	NOUN
fsr-3355	534	8	,	,	PUNCT
fsr-3355	534	9	t.	t.	PROPN
fsr-3355	534	10	,	,	PUNCT
fsr-3355	534	11	loibl	loibl	PROPN
fsr-3355	534	12	,	,	PUNCT
fsr-3355	534	13	c.	c.	PROPN
fsr-3355	534	14	,	,	PUNCT
fsr-3355	534	15	&	&	CCONJ
fsr-3355	534	16	montalto	montalto	PROPN
fsr-3355	534	17	,	,	PUNCT
fsr-3355	534	18	c.	c.	PROPN
fsr-3355	534	19	(	(	PUNCT
fsr-3355	534	20	2019	2019	NUM
fsr-3355	534	21	)	)	PUNCT
fsr-3355	534	22	.	.	PUNCT
fsr-3355	535	1	professional	professional	ADJ
fsr-3355	535	2	financial	financial	ADJ
fsr-3355	535	3	advice	advice	NOUN
fsr-3355	535	4	,	,	PUNCT
fsr-3355	535	5	self‐control	self‐control	NOUN
fsr-3355	535	6	,	,	PUNCT
fsr-3355	535	7	and	and	CCONJ
fsr-3355	535	8	saving	save	VERB
fsr-3355	535	9	behavior	behavior	NOUN
fsr-3355	535	10	.	.	PUNCT
fsr-3355	536	1	international	international	ADJ
fsr-3355	536	2	journal	journal	PROPN
fsr-3355	536	3	of	of	ADP
fsr-3355	536	4	consumer	consumer	NOUN
fsr-3355	536	5	studies	study	NOUN
fsr-3355	536	6	,	,	PUNCT
fsr-3355	536	7	43(1	43(1	NOUN
fsr-3355	536	8	)	)	PUNCT
fsr-3355	536	9	,	,	PUNCT
fsr-3355	536	10	23	23	NUM
fsr-3355	536	11	-	-	SYM
fsr-3355	536	12	34	34	NUM
fsr-3355	536	13	.	.	PUNCT
fsr-3355	537	1	lusardi	lusardi	PROPN
fsr-3355	537	2	,	,	PUNCT
fsr-3355	537	3	a.	a.	PROPN
fsr-3355	537	4	,	,	PUNCT
fsr-3355	537	5	&	&	CCONJ
fsr-3355	537	6	mitchell	mitchell	PROPN
fsr-3355	537	7	,	,	PUNCT
fsr-3355	537	8	o.	o.	PROPN
fsr-3355	537	9	s.	s.	PROPN
fsr-3355	537	10	(	(	PUNCT
fsr-3355	537	11	2011	2011	NUM
fsr-3355	537	12	)	)	PUNCT
fsr-3355	537	13	.	.	PUNCT
fsr-3355	538	1	financial	financial	ADJ
fsr-3355	538	2	literacy	literacy	NOUN
fsr-3355	538	3	around	around	ADP
fsr-3355	538	4	the	the	DET
fsr-3355	538	5	world	world	NOUN
fsr-3355	538	6	:	:	PUNCT
fsr-3355	538	7	an	an	DET
fsr-3355	538	8	overview	overview	NOUN
fsr-3355	538	9	.	.	PUNCT
fsr-3355	539	1	journal	journal	NOUN
fsr-3355	539	2	of	of	ADP
fsr-3355	539	3	pension	pension	NOUN
fsr-3355	539	4	economics	economic	NOUN
fsr-3355	539	5	&	&	CCONJ
fsr-3355	539	6	finance	finance	PROPN
fsr-3355	539	7	,	,	PUNCT
fsr-3355	539	8	10(4	10(4	NUM
fsr-3355	539	9	)	)	PUNCT
fsr-3355	539	10	,	,	PUNCT
fsr-3355	539	11	497	497	NUM
fsr-3355	539	12	-	-	SYM
fsr-3355	539	13	508	508	NUM
fsr-3355	539	14	.	.	PUNCT
fsr-3355	540	1	lópez	lópez	NOUN
fsr-3355	540	2	-	-	PUNCT
fsr-3355	540	3	anuarbe	anuarbe	NOUN
fsr-3355	540	4	,	,	PUNCT
fsr-3355	540	5	m.	m.	NOUN
fsr-3355	540	6	,	,	PUNCT
fsr-3355	540	7	cruz	cruz	PROPN
fsr-3355	540	8	-	-	PUNCT
fsr-3355	540	9	saco	saco	PROPN
fsr-3355	540	10	,	,	PUNCT
fsr-3355	540	11	m.	m.	NOUN
fsr-3355	540	12	a.	a.	PROPN
fsr-3355	540	13	,	,	PUNCT
fsr-3355	540	14	&	&	CCONJ
fsr-3355	540	15	park	park	PROPN
fsr-3355	540	16	,	,	PUNCT
fsr-3355	540	17	y.	y.	PROPN
fsr-3355	540	18	(	(	PUNCT
fsr-3355	540	19	2016	2016	NUM
fsr-3355	540	20	)	)	PUNCT
fsr-3355	540	21	.	.	PUNCT
fsr-3355	541	1	more	more	ADJ
fsr-3355	541	2	than	than	ADP
fsr-3355	541	3	altruism	altruism	NOUN
fsr-3355	541	4	:	:	PUNCT
fsr-3355	541	5	cultural	cultural	ADJ
fsr-3355	541	6	norms	norm	NOUN
fsr-3355	541	7	and	and	CCONJ
fsr-3355	541	8	remittances	remittance	NOUN
fsr-3355	541	9	among	among	ADP
fsr-3355	541	10	hispanics	hispanic	NOUN
fsr-3355	541	11	in	in	ADP
fsr-3355	541	12	the	the	DET
fsr-3355	541	13	usa	usa	PROPN
fsr-3355	541	14	.	.	PROPN
fsr-3355	541	15	journal	journal	PROPN
fsr-3355	541	16	of	of	ADP
fsr-3355	541	17	international	international	ADJ
fsr-3355	541	18	migration	migration	NOUN
fsr-3355	541	19	and	and	CCONJ
fsr-3355	541	20	integration	integration	NOUN
fsr-3355	541	21	,	,	PUNCT
fsr-3355	541	22	17	17	NUM
fsr-3355	541	23	,	,	PUNCT
fsr-3355	541	24	539	539	NUM
fsr-3355	541	25	-	-	SYM
fsr-3355	541	26	567	567	NUM
fsr-3355	541	27	.	.	PUNCT
fsr-3355	542	1	marsden	marsden	PROPN
fsr-3355	542	2	,	,	PUNCT
fsr-3355	542	3	m.	m.	NOUN
fsr-3355	542	4	,	,	PUNCT
fsr-3355	542	5	zick	zick	PROPN
fsr-3355	542	6	,	,	PUNCT
fsr-3355	542	7	c.	c.	PROPN
fsr-3355	542	8	d.	d.	PROPN
fsr-3355	542	9	,	,	PUNCT
fsr-3355	542	10	&	&	CCONJ
fsr-3355	542	11	mayer	mayer	PROPN
fsr-3355	542	12	,	,	PUNCT
fsr-3355	542	13	r.	r.	PROPN
fsr-3355	542	14	n.	n.	PROPN
fsr-3355	542	15	(	(	PUNCT
fsr-3355	542	16	2011	2011	NUM
fsr-3355	542	17	)	)	PUNCT
fsr-3355	542	18	.	.	PUNCT
fsr-3355	543	1	the	the	DET
fsr-3355	543	2	value	value	NOUN
fsr-3355	543	3	of	of	ADP
fsr-3355	543	4	seeking	seek	VERB
fsr-3355	543	5	financial	financial	ADJ
fsr-3355	543	6	advice	advice	NOUN
fsr-3355	543	7	.	.	PUNCT
fsr-3355	544	1	journal	journal	NOUN
fsr-3355	544	2	of	of	ADP
fsr-3355	544	3	family	family	NOUN
fsr-3355	544	4	and	and	CCONJ
fsr-3355	544	5	economic	economic	ADJ
fsr-3355	544	6	issues	issue	NOUN
fsr-3355	544	7	,	,	PUNCT
fsr-3355	544	8	32(4	32(4	NUM
fsr-3355	544	9	)	)	PUNCT
fsr-3355	544	10	,	,	PUNCT
fsr-3355	544	11	625–643	625–643	NUM
fsr-3355	544	12	.	.	PUNCT
fsr-3355	545	1	https://doi.org/10.1007/s10834-0119258-z	https://doi.org/10.1007/s10834-0119258-z	PROPN
fsr-3355	545	2	martin	martin	PROPN
fsr-3355	545	3	,	,	PUNCT
fsr-3355	545	4	e.	e.	PROPN
fsr-3355	545	5	c.	c.	PROPN
fsr-3355	545	6	,	,	PUNCT
fsr-3355	545	7	&	&	CCONJ
fsr-3355	545	8	dwyer	dwyer	PROPN
fsr-3355	545	9	,	,	PUNCT
fsr-3355	545	10	r.	r.	PROPN
fsr-3355	545	11	e.	e.	PROPN
fsr-3355	545	12	(	(	PUNCT
fsr-3355	545	13	2021	2021	NUM
fsr-3355	545	14	)	)	PUNCT
fsr-3355	545	15	.	.	PUNCT
fsr-3355	546	1	financial	financial	ADJ
fsr-3355	546	2	stress	stress	NOUN
fsr-3355	546	3	,	,	PUNCT
fsr-3355	546	4	race	race	NOUN
fsr-3355	546	5	,	,	PUNCT
fsr-3355	546	6	and	and	CCONJ
fsr-3355	546	7	student	student	NOUN
fsr-3355	546	8	debt	debt	NOUN
fsr-3355	546	9	during	during	ADP
fsr-3355	546	10	the	the	DET
fsr-3355	546	11	great	great	ADJ
fsr-3355	546	12	recession	recession	NOUN
fsr-3355	546	13	.	.	PUNCT
fsr-3355	547	1	social	social	ADJ
fsr-3355	547	2	currents	current	NOUN
fsr-3355	547	3	,	,	PUNCT
fsr-3355	547	4	8(5	8(5	NUM
fsr-3355	547	5	)	)	PUNCT
fsr-3355	547	6	,	,	PUNCT
fsr-3355	547	7	424–445	424–445	NUM
fsr-3355	547	8	.	.	PUNCT
fsr-3355	548	1	merrill	merrill	PROPN
fsr-3355	548	2	lynch	lynch	PROPN
fsr-3355	548	3	.	.	PUNCT
fsr-3355	549	1	(	(	PUNCT
fsr-3355	549	2	2023a	2023a	NUM
fsr-3355	549	3	)	)	PUNCT
fsr-3355	549	4	.	.	PUNCT
fsr-3355	550	1	diverse	diverse	ADJ
fsr-3355	550	2	viewpoints	viewpoint	NOUN
fsr-3355	550	3	:	:	PUNCT
fsr-3355	550	4	exploring	explore	VERB
fsr-3355	550	5	wealth	wealth	NOUN
fsr-3355	550	6	in	in	ADP
fsr-3355	550	7	the	the	DET
fsr-3355	550	8	aapi	aapi	PROPN
fsr-3355	550	9	community	community	NOUN
fsr-3355	550	10	.	.	PUNCT
fsr-3355	551	1	merrill	merrill	PROPN
fsr-3355	551	2	lynch	lynch	PROPN
fsr-3355	551	3	.	.	PUNCT
fsr-3355	552	1	https://mlaem.fs.ml.com/content/dam/m	https://mlaem.fs.ml.com/content/dam/m	NUM
fsr-3355	552	2	l	l	NOUN
fsr-3355	552	3	/	/	SYM
fsr-3355	552	4	articles	article	NOUN
fsr-3355	552	5	/	/	SYM
fsr-3355	552	6	pdf	pdf	NOUN
fsr-3355	552	7	/	/	SYM
fsr-3355	552	8	aapi	aapi	NOUN
fsr-3355	552	9	-	-	PUNCT
fsr-3355	552	10	ada.pdf	ada.pdf	ADJ
fsr-3355	552	11	merrill	merrill	PROPN
fsr-3355	552	12	lynch	lynch	PROPN
fsr-3355	552	13	.	.	PUNCT
fsr-3355	553	1	(	(	PUNCT
fsr-3355	553	2	2023b	2023b	NUM
fsr-3355	553	3	)	)	PUNCT
fsr-3355	553	4	.	.	PUNCT
fsr-3355	554	1	diverse	diverse	ADJ
fsr-3355	554	2	viewpoints	viewpoint	NOUN
fsr-3355	554	3	:	:	PUNCT
fsr-3355	554	4	exploring	explore	VERB
fsr-3355	554	5	wealth	wealth	NOUN
fsr-3355	554	6	in	in	ADP
fsr-3355	554	7	the	the	DET
fsr-3355	554	8	hispanic	hispanic	ADJ
fsr-3355	554	9	-	-	PUNCT
fsr-3355	554	10	latino	latino	ADJ
fsr-3355	554	11	community	community	NOUN
fsr-3355	554	12	.	.	PUNCT
fsr-3355	555	1	merrill	merrill	PROPN
fsr-3355	555	2	lynch	lynch	PROPN
fsr-3355	555	3	.	.	PUNCT
fsr-3355	556	1	https://mlaem.fs.ml.com/content/dam/m	https://mlaem.fs.ml.com/content/dam/m	NUM
fsr-3355	556	2	l	l	NOUN
fsr-3355	556	3	/	/	SYM
fsr-3355	556	4	articles	article	NOUN
fsr-3355	556	5	/	/	SYM
fsr-3355	556	6	pdf	pdf	NOUN
fsr-3355	556	7	/	/	SYM
fsr-3355	556	8	ml	ml	NOUN
fsr-3355	556	9	-	-	PUNCT
fsr-3355	556	10	hl	hl	NOUN
fsr-3355	556	11	-	-	PUNCT
fsr-3355	556	12	wp.pdf	wp.pdf	PROPN
fsr-3355	556	13	montalto	montalto	NOUN
fsr-3355	556	14	,	,	PUNCT
fsr-3355	556	15	c.	c.	PROPN
fsr-3355	556	16	p.	p.	PROPN
fsr-3355	556	17	&	&	CCONJ
fsr-3355	556	18	sung	sung	PROPN
fsr-3355	556	19	,	,	PUNCT
fsr-3355	556	20	j.	j.	PROPN
fsr-3355	556	21	(	(	PUNCT
fsr-3355	556	22	1996	1996	NUM
fsr-3355	556	23	)	)	PUNCT
fsr-3355	556	24	.	.	PUNCT
fsr-3355	557	1	multiple	multiple	ADJ
fsr-3355	557	2	imputation	imputation	NOUN
fsr-3355	557	3	in	in	ADP
fsr-3355	557	4	the	the	DET
fsr-3355	557	5	1992	1992	NUM
fsr-3355	557	6	survey	survey	NOUN
fsr-3355	557	7	of	of	ADP
fsr-3355	557	8	consumer	consumer	NOUN
fsr-3355	557	9	finances	finance	NOUN
fsr-3355	557	10	,	,	PUNCT
fsr-3355	557	11	journal	journal	NOUN
fsr-3355	557	12	of	of	ADP
fsr-3355	557	13	financial	financial	ADJ
fsr-3355	557	14	counseling	counseling	NOUN
fsr-3355	557	15	and	and	CCONJ
fsr-3355	557	16	planning	planning	NOUN
fsr-3355	557	17	,	,	PUNCT
fsr-3355	557	18	7	7	NUM
fsr-3355	557	19	,	,	PUNCT
fsr-3355	557	20	133	133	NUM
fsr-3355	557	21	-	-	SYM
fsr-3355	557	22	141	141	NUM
fsr-3355	557	23	.	.	PUNCT
fsr-3355	558	1	montmarquette	montmarquette	PROPN
fsr-3355	558	2	,	,	PUNCT
fsr-3355	558	3	c.	c.	PROPN
fsr-3355	558	4	,	,	PUNCT
fsr-3355	558	5	&	&	CCONJ
fsr-3355	558	6	viennot	viennot	PROPN
fsr-3355	558	7	-	-	PUNCT
fsr-3355	558	8	briot	briot	NOUN
fsr-3355	558	9	,	,	PUNCT
fsr-3355	558	10	n.	n.	NOUN
fsr-3355	558	11	(	(	PUNCT
fsr-3355	558	12	2015	2015	NUM
fsr-3355	558	13	)	)	PUNCT
fsr-3355	558	14	.	.	PUNCT
fsr-3355	559	1	the	the	DET
fsr-3355	559	2	value	value	NOUN
fsr-3355	559	3	of	of	ADP
fsr-3355	559	4	financial	financial	ADJ
fsr-3355	559	5	advice	advice	NOUN
fsr-3355	559	6	.	.	PUNCT
fsr-3355	560	1	annals	annal	NOUN
fsr-3355	560	2	of	of	ADP
fsr-3355	560	3	economics	economic	NOUN
fsr-3355	560	4	and	and	CCONJ
fsr-3355	560	5	finance	finance	NOUN
fsr-3355	560	6	,	,	PUNCT
fsr-3355	560	7	16(1	16(1	NUM
fsr-3355	560	8	)	)	PUNCT
fsr-3355	560	9	,	,	PUNCT
fsr-3355	560	10	69	69	NUM
fsr-3355	560	11	-	-	SYM
fsr-3355	560	12	94	94	NUM
fsr-3355	560	13	.	.	PUNCT
fsr-3355	561	1	moreland	moreland	PROPN
fsr-3355	561	2	,	,	PUNCT
fsr-3355	561	3	k.	k.	PROPN
fsr-3355	561	4	a.	a.	PROPN
fsr-3355	561	5	(	(	PUNCT
fsr-3355	561	6	2018	2018	NUM
fsr-3355	561	7	)	)	PUNCT
fsr-3355	561	8	.	.	PUNCT
fsr-3355	562	1	seeking	seek	VERB
fsr-3355	562	2	financial	financial	ADJ
fsr-3355	562	3	advice	advice	NOUN
fsr-3355	562	4	and	and	CCONJ
fsr-3355	562	5	other	other	ADJ
fsr-3355	562	6	desirable	desirable	ADJ
fsr-3355	562	7	financial	financial	ADJ
fsr-3355	562	8	behaviors	behavior	NOUN
fsr-3355	562	9	.	.	PUNCT
fsr-3355	563	1	journal	journal	NOUN
fsr-3355	563	2	of	of	ADP
fsr-3355	563	3	financial	financial	ADJ
fsr-3355	563	4	counseling	counseling	NOUN
fsr-3355	563	5	and	and	CCONJ
fsr-3355	563	6	planning	planning	NOUN
fsr-3355	563	7	,	,	PUNCT
fsr-3355	563	8	29(2	29(2	NUM
fsr-3355	563	9	)	)	PUNCT
fsr-3355	563	10	,	,	PUNCT
fsr-3355	563	11	198	198	NUM
fsr-3355	563	12	–	–	PUNCT
fsr-3355	563	13	207	207	NUM
fsr-3355	563	14	.	.	PUNCT
fsr-3355	564	1	munnell	munnell	PROPN
fsr-3355	564	2	,	,	PUNCT
fsr-3355	564	3	a.	a.	PROPN
fsr-3355	564	4	,	,	PUNCT
fsr-3355	564	5	&	&	CCONJ
fsr-3355	564	6	sundén	sundén	PROPN
fsr-3355	564	7	,	,	PUNCT
fsr-3355	564	8	a.	a.	NOUN
fsr-3355	564	9	(	(	PUNCT
fsr-3355	564	10	2006	2006	NUM
fsr-3355	564	11	)	)	PUNCT
fsr-3355	564	12	.	.	PUNCT
fsr-3355	565	1	401(k	401(k	NOUN
fsr-3355	565	2	)	)	PUNCT
fsr-3355	565	3	plans	plan	NOUN
fsr-3355	565	4	are	be	AUX
fsr-3355	565	5	still	still	ADV
fsr-3355	565	6	coming	come	VERB
fsr-3355	565	7	up	up	ADP
fsr-3355	565	8	short	short	ADJ
fsr-3355	565	9	.	.	PUNCT
fsr-3355	566	1	center	center	NOUN
fsr-3355	566	2	for	for	ADP
fsr-3355	566	3	retirement	retirement	NOUN
fsr-3355	566	4	research	research	NOUN
fsr-3355	566	5	at	at	ADP
fsr-3355	566	6	boston	boston	PROPN
fsr-3355	566	7	college	college	PROPN
fsr-3355	566	8	.	.	PUNCT
fsr-3355	567	1	https://doi/10.1002	https://doi/10.1002	PROPN
fsr-3355	567	2	/	/	SYM
fsr-3355	567	3	cfp2.1008	cfp2.1008	PROPN
fsr-3355	567	4	https://doi.org/10.1016/j.jebo.2016.08.016	https://doi.org/10.1016/j.jebo.2016.08.016	PRON
fsr-3355	567	5	https://doi.org/10.1016/j.jebo.2016.08.016	https://doi.org/10.1016/j.jebo.2016.08.016	DET
fsr-3355	567	6	https://doi.org/10.1007/s10834-021-09795-z	https://doi.org/10.1007/s10834-021-09795-z	NOUN
fsr-3355	567	7	https://doi.org/10.1007/s10834-021-09795-z	https://doi.org/10.1007/s10834-021-09795-z	NOUN
fsr-3355	568	1	https://doi.org/10.1111/j.1745-%206606.2007.00075_1.x	https://doi.org/10.1111/j.1745-%206606.2007.00075_1.x	X
fsr-3355	568	2	https://doi.org/10.1111/j.1745-%206606.2007.00075_1.x	https://doi.org/10.1111/j.1745-%206606.2007.00075_1.x	X
fsr-3355	568	3	https://doi.org/10.1007/s10834-011-9258-z	https://doi.org/10.1007/s10834-011-9258-z	PROPN
fsr-3355	568	4	https://doi.org/10.1007/s10834-011-9258-z	https://doi.org/10.1007/s10834-011-9258-z	PROPN
fsr-3355	568	5	https://mlaem.fs.ml.com/content/dam/ml/articles/pdf/aapi-ada.pdf	https://mlaem.fs.ml.com/content/dam/ml/articles/pdf/aapi-ada.pdf	NOUN
fsr-3355	568	6	https://mlaem.fs.ml.com/content/dam/ml/articles/pdf/aapi-ada.pdf	https://mlaem.fs.ml.com/content/dam/ml/articles/pdf/aapi-ada.pdf	NOUN
fsr-3355	568	7	https://mlaem.fs.ml.com/content/dam/ml/articles/pdf/ml-hl-wp.pdf	https://mlaem.fs.ml.com/content/dam/ml/articles/pdf/ml-hl-wp.pdf	NOUN
fsr-3355	568	8	https://mlaem.fs.ml.com/content/dam/ml/articles/pdf/ml-hl-wp.pdf	https://mlaem.fs.ml.com/content/dam/ml/articles/pdf/ml-hl-wp.pdf	NOUN
fsr-3355	568	9	financial	financial	PROPN
fsr-3355	568	10	services	service	NOUN
fsr-3355	568	11	review	review	PROPN
fsr-3355	568	12	,	,	PUNCT
fsr-3355	568	13	32(4	32(4	NUM
fsr-3355	568	14	)	)	PUNCT
fsr-3355	568	15	48	48	NUM
fsr-3355	568	16	myers	myer	NOUN
fsr-3355	568	17	,	,	PUNCT
fsr-3355	568	18	e.	e.	PROPN
fsr-3355	568	19	,	,	PUNCT
fsr-3355	568	20	&	&	CCONJ
fsr-3355	568	21	topoleski	topoleski	PROPN
fsr-3355	568	22	,	,	PUNCT
fsr-3355	568	23	j.	j.	PROPN
fsr-3355	568	24	(	(	PUNCT
fsr-3355	568	25	2021	2021	NUM
fsr-3355	568	26	)	)	PUNCT
fsr-3355	568	27	.	.	PUNCT
fsr-3355	569	1	a	a	DET
fsr-3355	569	2	visual	visual	ADJ
fsr-3355	569	3	depiction	depiction	NOUN
fsr-3355	569	4	of	of	ADP
fsr-3355	569	5	the	the	DET
fsr-3355	569	6	shift	shift	NOUN
fsr-3355	569	7	from	from	ADP
fsr-3355	569	8	defined	define	VERB
fsr-3355	569	9	benefit	benefit	NOUN
fsr-3355	569	10	(	(	PUNCT
fsr-3355	569	11	db	db	NOUN
fsr-3355	569	12	)	)	PUNCT
fsr-3355	569	13	to	to	ADP
fsr-3355	569	14	defined	define	VERB
fsr-3355	569	15	contribution	contribution	NOUN
fsr-3355	569	16	(	(	PUNCT
fsr-3355	569	17	dc	dc	PROPN
fsr-3355	569	18	)	)	PUNCT
fsr-3355	569	19	pension	pension	NOUN
fsr-3355	569	20	plans	plan	NOUN
fsr-3355	569	21	in	in	ADP
fsr-3355	569	22	the	the	DET
fsr-3355	569	23	private	private	ADJ
fsr-3355	569	24	sector	sector	NOUN
fsr-3355	569	25	.	.	PUNCT
fsr-3355	570	1	(	(	PUNCT
fsr-3355	570	2	report	report	VERB
fsr-3355	570	3	no	no	INTJ
fsr-3355	570	4	.	.	PUNCT
fsr-3355	571	1	if12007	if12007	PROPN
fsr-3355	571	2	)	)	PUNCT
fsr-3355	571	3	.	.	PUNCT
fsr-3355	572	1	congressional	congressional	ADJ
fsr-3355	572	2	research	research	NOUN
fsr-3355	572	3	service	service	NOUN
fsr-3355	572	4	.	.	PUNCT
fsr-3355	573	1	https://crsreports.congress.gov/product/p	https://crsreports.congress.gov/product/p	X
fsr-3355	574	1	df	df	PROPN
fsr-3355	574	2	/	/	SYM
fsr-3355	574	3	if	if	SCONJ
fsr-3355	574	4	/	/	SYM
fsr-3355	574	5	if12007	if12007	ADJ
fsr-3355	574	6	oaxaca	oaxaca	PROPN
fsr-3355	574	7	,	,	PUNCT
fsr-3355	574	8	r.	r.	PROPN
fsr-3355	574	9	l.	l.	PROPN
fsr-3355	574	10	,	,	PUNCT
fsr-3355	574	11	&	&	CCONJ
fsr-3355	574	12	ransom	ransom	NOUN
fsr-3355	574	13	,	,	PUNCT
fsr-3355	574	14	m.	m.	PROPN
fsr-3355	574	15	r.	r.	PROPN
fsr-3355	574	16	(	(	PUNCT
fsr-3355	574	17	1994	1994	NUM
fsr-3355	574	18	)	)	PUNCT
fsr-3355	574	19	.	.	PUNCT
fsr-3355	575	1	on	on	ADP
fsr-3355	575	2	discrimination	discrimination	NOUN
fsr-3355	575	3	and	and	CCONJ
fsr-3355	575	4	the	the	DET
fsr-3355	575	5	decomposition	decomposition	NOUN
fsr-3355	575	6	of	of	ADP
fsr-3355	575	7	wage	wage	NOUN
fsr-3355	575	8	differentials	differential	NOUN
fsr-3355	575	9	.	.	PUNCT
fsr-3355	576	1	journal	journal	NOUN
fsr-3355	576	2	of	of	ADP
fsr-3355	576	3	econometrics	econometric	NOUN
fsr-3355	576	4	,	,	PUNCT
fsr-3355	576	5	61(1	61(1	NOUN
fsr-3355	576	6	)	)	PUNCT
fsr-3355	576	7	,	,	PUNCT
fsr-3355	576	8	5	5	NUM
fsr-3355	576	9	-	-	SYM
fsr-3355	576	10	21	21	NUM
fsr-3355	576	11	.	.	PUNCT
fsr-3355	577	1	pence	pence	PROPN
fsr-3355	577	2	,	,	PUNCT
fsr-3355	577	3	k.	k.	PROPN
fsr-3355	577	4	(	(	PUNCT
fsr-3355	577	5	2015	2015	NUM
fsr-3355	577	6	)	)	PUNCT
fsr-3355	577	7	.	.	PUNCT
fsr-3355	578	1	scfcombo	scfcombo	PROPN
fsr-3355	578	2	:	:	PUNCT
fsr-3355	578	3	stata	stata	PROPN
fsr-3355	578	4	module	module	NOUN
fsr-3355	578	5	to	to	PART
fsr-3355	578	6	estimate	estimate	VERB
fsr-3355	578	7	errors	error	NOUN
fsr-3355	578	8	using	use	VERB
fsr-3355	578	9	the	the	DET
fsr-3355	578	10	survey	survey	NOUN
fsr-3355	578	11	of	of	ADP
fsr-3355	578	12	consumer	consumer	NOUN
fsr-3355	578	13	finances	finance	NOUN
fsr-3355	578	14	.	.	PUNCT
fsr-3355	579	1	https://econpapers.repec.org/software/bo	https://econpapers.repec.org/software/bo	PROPN
fsr-3355	579	2	cbocode	cbocode	PROPN
fsr-3355	579	3	/	/	SYM
fsr-3355	579	4	s458017.htm	s458017.htm	PROPN
fsr-3355	579	5	pisnanont	pisnanont	NOUN
fsr-3355	579	6	,	,	PUNCT
fsr-3355	579	7	j.	j.	PROPN
fsr-3355	579	8	,	,	PUNCT
fsr-3355	579	9	duong	duong	PROPN
fsr-3355	579	10	,	,	PUNCT
fsr-3355	579	11	j.	j.	PROPN
fsr-3355	579	12	,	,	PUNCT
fsr-3355	579	13	condon	condon	PROPN
fsr-3355	579	14	,	,	PUNCT
fsr-3355	579	15	a.	a.	PROPN
fsr-3355	579	16	,	,	PUNCT
fsr-3355	579	17	cruzviesca	cruzviesca	PROPN
fsr-3355	579	18	,	,	PUNCT
fsr-3355	579	19	m	m	PROPN
fsr-3355	579	20	..	..	PUNCT
fsr-3355	579	21	,	,	PUNCT
fsr-3355	579	22	pech	pech	PROPN
fsr-3355	579	23	,	,	PUNCT
fsr-3355	579	24	c.	c.	PROPN
fsr-3355	579	25	,	,	PUNCT
fsr-3355	579	26	&	&	CCONJ
fsr-3355	579	27	ong	ong	PROPN
fsr-3355	579	28	,	,	PUNCT
fsr-3355	579	29	p.	p.	NOUN
fsr-3355	579	30	(	(	PUNCT
fsr-3355	579	31	2015	2015	NUM
fsr-3355	579	32	)	)	PUNCT
fsr-3355	579	33	.	.	PUNCT
fsr-3355	580	1	scrimping	scrimp	VERB
fsr-3355	580	2	and	and	CCONJ
fsr-3355	580	3	saving	saving	NOUN
fsr-3355	580	4	:	:	PUNCT
fsr-3355	580	5	a	a	DET
fsr-3355	580	6	report	report	NOUN
fsr-3355	580	7	on	on	ADP
fsr-3355	580	8	financial	financial	ADJ
fsr-3355	580	9	access	access	NOUN
fsr-3355	580	10	,	,	PUNCT
fsr-3355	580	11	attitudes	attitude	NOUN
fsr-3355	580	12	,	,	PUNCT
fsr-3355	580	13	and	and	CCONJ
fsr-3355	580	14	behaviors	behavior	NOUN
fsr-3355	580	15	of	of	ADP
fsr-3355	580	16	lowand	lowand	ADJ
fsr-3355	580	17	moderate	moderate	ADJ
fsr-3355	580	18	-	-	PUNCT
fsr-3355	580	19	income	income	NOUN
fsr-3355	580	20	asian	asian	ADJ
fsr-3355	580	21	americans	americans	PROPN
fsr-3355	580	22	and	and	CCONJ
fsr-3355	580	23	pacific	pacific	ADJ
fsr-3355	580	24	islanders	islander	NOUN
fsr-3355	580	25	.	.	PUNCT
fsr-3355	581	1	aapi	aapi	PROPN
fsr-3355	581	2	nexus	nexus	NOUN
fsr-3355	581	3	:	:	PUNCT
fsr-3355	581	4	policy	policy	NOUN
fsr-3355	581	5	,	,	PUNCT
fsr-3355	581	6	practice	practice	NOUN
fsr-3355	581	7	and	and	CCONJ
fsr-3355	581	8	community	community	NOUN
fsr-3355	581	9	,	,	PUNCT
fsr-3355	581	10	13(1–2	13(1–2	PROPN
fsr-3355	581	11	)	)	PUNCT
fsr-3355	581	12	,	,	PUNCT
fsr-3355	581	13	25	25	NUM
fsr-3355	581	14	-	-	SYM
fsr-3355	581	15	44	44	NUM
fsr-3355	581	16	.	.	PUNCT
fsr-3355	582	1	https://doi.org/10.17953/15450317.13.1.25	https://doi.org/10.17953/15450317.13.1.25	PROPN
fsr-3355	582	2	porto	porto	PROPN
fsr-3355	582	3	,	,	PUNCT
fsr-3355	582	4	n.	n.	PROPN
fsr-3355	582	5	(	(	PUNCT
fsr-3355	582	6	2016	2016	NUM
fsr-3355	582	7	)	)	PUNCT
fsr-3355	582	8	.	.	PUNCT
fsr-3355	583	1	financial	financial	ADJ
fsr-3355	583	2	issues	issue	NOUN
fsr-3355	583	3	of	of	ADP
fsr-3355	583	4	hispanic	hispanic	ADJ
fsr-3355	583	5	americans	americans	PROPN
fsr-3355	583	6	.	.	PUNCT
fsr-3355	584	1	in	in	ADP
fsr-3355	584	2	j.	j.	PROPN
fsr-3355	584	3	j.	j.	PROPN
fsr-3355	584	4	xiao	xiao	PROPN
fsr-3355	584	5	(	(	PUNCT
fsr-3355	584	6	ed	ed	NOUN
fsr-3355	584	7	.	.	PUNCT
fsr-3355	584	8	)	)	PUNCT
fsr-3355	584	9	,	,	PUNCT
fsr-3355	584	10	handbook	handbook	NOUN
fsr-3355	584	11	of	of	ADP
fsr-3355	584	12	consumer	consumer	NOUN
fsr-3355	584	13	finance	finance	NOUN
fsr-3355	584	14	research	research	NOUN
fsr-3355	584	15	,	,	PUNCT
fsr-3355	584	16	(	(	PUNCT
fsr-3355	584	17	pp	pp	INTJ
fsr-3355	584	18	,	,	PUNCT
fsr-3355	584	19	205	205	NUM
fsr-3355	584	20	–	–	PUNCT
fsr-3355	584	21	214	214	NUM
fsr-3355	584	22	)	)	PUNCT
fsr-3355	584	23	.	.	PUNCT
fsr-3355	585	1	springer	springer	NOUN
fsr-3355	585	2	.	.	PUNCT
fsr-3355	586	1	https://doi.org/10.1007/978-3-31928887-1	https://doi.org/10.1007/978-3-31928887-1	PROPN
fsr-3355	586	2	reiter	reiter	PROPN
fsr-3355	586	3	,	,	PUNCT
fsr-3355	586	4	m.	m.	NOUN
fsr-3355	586	5	,	,	PUNCT
fsr-3355	586	6	&	&	CCONJ
fsr-3355	586	7	qing	qing	PROPN
fsr-3355	586	8	,	,	PUNCT
fsr-3355	586	9	d.	d.	PROPN
fsr-3355	586	10	(	(	PUNCT
fsr-3355	586	11	2023	2023	NUM
fsr-3355	586	12	)	)	PUNCT
fsr-3355	586	13	.	.	PUNCT
fsr-3355	587	1	racial	racial	ADJ
fsr-3355	587	2	and	and	CCONJ
fsr-3355	587	3	gender	gender	NOUN
fsr-3355	587	4	differences	difference	NOUN
fsr-3355	587	5	in	in	ADP
fsr-3355	587	6	financial	financial	ADJ
fsr-3355	587	7	advice	advice	NOUN
fsr-3355	587	8	seeking	seeking	NOUN
fsr-3355	587	9	:	:	PUNCT
fsr-3355	587	10	evidence	evidence	NOUN
fsr-3355	587	11	from	from	ADP
fsr-3355	587	12	the	the	DET
fsr-3355	587	13	national	national	ADJ
fsr-3355	587	14	financial	financial	ADJ
fsr-3355	587	15	capability	capability	NOUN
fsr-3355	587	16	study	study	NOUN
fsr-3355	587	17	.	.	PUNCT
fsr-3355	588	1	financial	financial	ADJ
fsr-3355	588	2	planning	planning	NOUN
fsr-3355	588	3	review	review	NOUN
fsr-3355	588	4	,	,	PUNCT
fsr-3355	588	5	e1169	e1169	PROPN
fsr-3355	588	6	.	.	PUNCT
fsr-3355	588	7	https://doi.org/10.1002/cfp2.1169	https://doi.org/10.1002/cfp2.1169	PROPN
fsr-3355	588	8	reiter	reiter	PROPN
fsr-3355	588	9	,	,	PUNCT
fsr-3355	588	10	m.	m.	NOUN
fsr-3355	588	11	,	,	PUNCT
fsr-3355	588	12	&	&	CCONJ
fsr-3355	588	13	seay	seay	ADJ
fsr-3355	588	14	,	,	PUNCT
fsr-3355	588	15	m.	m.	NOUN
fsr-3355	588	16	(	(	PUNCT
fsr-3355	588	17	2022	2022	NUM
fsr-3355	588	18	)	)	PUNCT
fsr-3355	588	19	.	.	PUNCT
fsr-3355	589	1	investment	investment	NOUN
fsr-3355	589	2	advisor	advisor	NOUN
fsr-3355	589	3	use	use	NOUN
fsr-3355	589	4	and	and	CCONJ
fsr-3355	589	5	stock	stock	NOUN
fsr-3355	589	6	market	market	NOUN
fsr-3355	589	7	return	return	NOUN
fsr-3355	589	8	expectations	expectation	NOUN
fsr-3355	589	9	.	.	PUNCT
fsr-3355	590	1	journal	journal	NOUN
fsr-3355	590	2	of	of	ADP
fsr-3355	590	3	personal	personal	ADJ
fsr-3355	590	4	finance	finance	NOUN
fsr-3355	590	5	,	,	PUNCT
fsr-3355	590	6	22(1	22(1	NUM
fsr-3355	590	7	)	)	PUNCT
fsr-3355	590	8	,	,	PUNCT
fsr-3355	590	9	1	1	NUM
fsr-3355	590	10	-	-	SYM
fsr-3355	590	11	18	18	NUM
fsr-3355	590	12	.	.	PUNCT
fsr-3355	591	1	robb	robb	NOUN
fsr-3355	591	2	,	,	PUNCT
fsr-3355	591	3	c.	c.	PROPN
fsr-3355	591	4	a.	a.	PROPN
fsr-3355	591	5	,	,	PUNCT
fsr-3355	591	6	babiarz	babiarz	PROPN
fsr-3355	591	7	,	,	PUNCT
fsr-3355	591	8	p.	p.	NOUN
fsr-3355	591	9	,	,	PUNCT
fsr-3355	591	10	&	&	CCONJ
fsr-3355	591	11	woodyard	woodyard	PROPN
fsr-3355	591	12	,	,	PUNCT
fsr-3355	591	13	a.	a.	NOUN
fsr-3355	591	14	(	(	PUNCT
fsr-3355	591	15	2012	2012	NUM
fsr-3355	591	16	)	)	PUNCT
fsr-3355	591	17	.	.	PUNCT
fsr-3355	592	1	the	the	DET
fsr-3355	592	2	demand	demand	NOUN
fsr-3355	592	3	for	for	ADP
fsr-3355	592	4	financial	financial	ADJ
fsr-3355	592	5	professionals	professional	NOUN
fsr-3355	592	6	’	'	PUNCT
fsr-3355	592	7	advice	advice	NOUN
fsr-3355	592	8	:	:	PUNCT
fsr-3355	592	9	the	the	DET
fsr-3355	592	10	role	role	NOUN
fsr-3355	592	11	of	of	ADP
fsr-3355	592	12	financial	financial	ADJ
fsr-3355	592	13	knowledge	knowledge	NOUN
fsr-3355	592	14	,	,	PUNCT
fsr-3355	592	15	satisfaction	satisfaction	NOUN
fsr-3355	592	16	,	,	PUNCT
fsr-3355	592	17	and	and	CCONJ
fsr-3355	592	18	confidence	confidence	NOUN
fsr-3355	592	19	.	.	PUNCT
fsr-3355	593	1	financial	financial	ADJ
fsr-3355	593	2	services	service	NOUN
fsr-3355	593	3	review	review	NOUN
fsr-3355	593	4	,	,	PUNCT
fsr-3355	593	5	21(4	21(4	NUM
fsr-3355	593	6	)	)	PUNCT
fsr-3355	593	7	,	,	PUNCT
fsr-3355	593	8	291	291	NUM
fsr-3355	593	9	-	-	SYM
fsr-3355	593	10	305	305	NUM
fsr-3355	593	11	.	.	PUNCT
fsr-3355	594	1	rubin	rubin	PROPN
fsr-3355	594	2	,	,	PUNCT
fsr-3355	594	3	d.	d.	PROPN
fsr-3355	594	4	b.	b.	PROPN
fsr-3355	594	5	(	(	PUNCT
fsr-3355	594	6	1987	1987	NUM
fsr-3355	594	7	)	)	PUNCT
fsr-3355	594	8	.	.	PUNCT
fsr-3355	595	1	multiple	multiple	ADJ
fsr-3355	595	2	imputation	imputation	NOUN
fsr-3355	595	3	for	for	ADP
fsr-3355	595	4	nonresponse	nonresponse	NOUN
fsr-3355	595	5	in	in	ADP
fsr-3355	595	6	surveys	survey	NOUN
fsr-3355	595	7	.	.	PUNCT
fsr-3355	596	1	john	john	PROPN
fsr-3355	596	2	wiley	wiley	PROPN
fsr-3355	596	3	&	&	CCONJ
fsr-3355	596	4	sons	son	NOUN
fsr-3355	596	5	.	.	PUNCT
fsr-3355	597	1	seay	seay	ADJ
fsr-3355	597	2	,	,	PUNCT
fsr-3355	597	3	m.	m.	NOUN
fsr-3355	597	4	,	,	PUNCT
fsr-3355	597	5	kim	kim	PROPN
fsr-3355	597	6	,	,	PUNCT
fsr-3355	597	7	k.	k.	PROPN
fsr-3355	597	8	t.	t.	PROPN
fsr-3355	597	9	,	,	PUNCT
fsr-3355	597	10	&	&	CCONJ
fsr-3355	597	11	heckman	heckman	PROPN
fsr-3355	597	12	,	,	PUNCT
fsr-3355	597	13	s.	s.	PROPN
fsr-3355	597	14	(	(	PUNCT
fsr-3355	597	15	2016	2016	NUM
fsr-3355	597	16	)	)	PUNCT
fsr-3355	597	17	.	.	PUNCT
fsr-3355	598	1	exploring	explore	VERB
fsr-3355	598	2	the	the	DET
fsr-3355	598	3	demand	demand	NOUN
fsr-3355	598	4	for	for	ADP
fsr-3355	598	5	retirement	retirement	NOUN
fsr-3355	598	6	planning	planning	NOUN
fsr-3355	598	7	advice	advice	NOUN
fsr-3355	598	8	:	:	PUNCT
fsr-3355	598	9	the	the	DET
fsr-3355	598	10	role	role	NOUN
fsr-3355	598	11	of	of	ADP
fsr-3355	598	12	financial	financial	ADJ
fsr-3355	598	13	literacy	literacy	NOUN
fsr-3355	598	14	.	.	PUNCT
fsr-3355	599	1	financial	financial	ADJ
fsr-3355	599	2	services	service	NOUN
fsr-3355	599	3	review	review	NOUN
fsr-3355	599	4	,	,	PUNCT
fsr-3355	599	5	25(4	25(4	NOUN
fsr-3355	599	6	)	)	PUNCT
fsr-3355	599	7	,	,	PUNCT
fsr-3355	599	8	331–350	331–350	NUM
fsr-3355	599	9	.	.	PUNCT
fsr-3355	600	1	shin	shin	PROPN
fsr-3355	600	2	,	,	PUNCT
fsr-3355	600	3	s.	s.	PROPN
fsr-3355	600	4	h.	h.	PROPN
fsr-3355	600	5	,	,	PUNCT
fsr-3355	600	6	&	&	CCONJ
fsr-3355	600	7	hanna	hanna	PROPN
fsr-3355	600	8	,	,	PUNCT
fsr-3355	600	9	s.	s.	PROPN
fsr-3355	600	10	d.	d.	PROPN
fsr-3355	600	11	(	(	PUNCT
fsr-3355	600	12	2015	2015	NUM
fsr-3355	600	13	)	)	PUNCT
fsr-3355	600	14	.	.	PUNCT
fsr-3355	601	1	decomposition	decomposition	NOUN
fsr-3355	601	2	analyses	analysis	NOUN
fsr-3355	601	3	of	of	ADP
fsr-3355	601	4	racial	racial	ADJ
fsr-3355	601	5	/	/	SYM
fsr-3355	601	6	ethnic	ethnic	ADJ
fsr-3355	601	7	differences	difference	NOUN
fsr-3355	601	8	in	in	ADP
fsr-3355	601	9	high	high	ADJ
fsr-3355	601	10	-	-	PUNCT
fsr-3355	601	11	return	return	NOUN
fsr-3355	601	12	investment	investment	NOUN
fsr-3355	601	13	ownership	ownership	NOUN
fsr-3355	601	14	after	after	ADP
fsr-3355	601	15	the	the	DET
fsr-3355	601	16	great	great	ADJ
fsr-3355	601	17	recession	recession	NOUN
fsr-3355	601	18	.	.	PUNCT
fsr-3355	602	1	journal	journal	NOUN
fsr-3355	602	2	of	of	ADP
fsr-3355	602	3	financial	financial	ADJ
fsr-3355	602	4	counseling	counseling	NOUN
fsr-3355	602	5	and	and	CCONJ
fsr-3355	602	6	planning	planning	NOUN
fsr-3355	602	7	,	,	PUNCT
fsr-3355	602	8	26(1	26(1	NUM
fsr-3355	602	9	)	)	PUNCT
fsr-3355	602	10	,	,	PUNCT
fsr-3355	602	11	43	43	NUM
fsr-3355	602	12	-	-	SYM
fsr-3355	602	13	62	62	NUM
fsr-3355	602	14	.	.	PUNCT
fsr-3355	603	1	https://doi.org/10.1891/10523073.26.1.43	https://doi.org/10.1891/10523073.26.1.43	NOUN
fsr-3355	603	2	sommer	sommer	NOUN
fsr-3355	603	3	,	,	PUNCT
fsr-3355	603	4	m.	m.	NOUN
fsr-3355	603	5	,	,	PUNCT
fsr-3355	603	6	&	&	CCONJ
fsr-3355	603	7	lim	lim	PROPN
fsr-3355	603	8	,	,	PUNCT
fsr-3355	603	9	h.	h.	PROPN
fsr-3355	603	10	(	(	PUNCT
fsr-3355	603	11	2022	2022	NUM
fsr-3355	603	12	)	)	PUNCT
fsr-3355	603	13	.	.	PUNCT
fsr-3355	604	1	financial	financial	ADJ
fsr-3355	604	2	knowledge	knowledge	NOUN
fsr-3355	604	3	and	and	CCONJ
fsr-3355	604	4	the	the	DET
fsr-3355	604	5	relationship	relationship	NOUN
fsr-3355	604	6	with	with	ADP
fsr-3355	604	7	using	use	VERB
fsr-3355	604	8	professional	professional	ADJ
fsr-3355	604	9	investment	investment	NOUN
fsr-3355	604	10	advice	advice	NOUN
fsr-3355	604	11	and	and	CCONJ
fsr-3355	604	12	granting	grant	VERB
fsr-3355	604	13	trading	trading	NOUN
fsr-3355	604	14	discretion	discretion	NOUN
fsr-3355	604	15	.	.	PUNCT
fsr-3355	605	1	journal	journal	NOUN
fsr-3355	605	2	of	of	ADP
fsr-3355	605	3	personal	personal	ADJ
fsr-3355	605	4	finance	finance	NOUN
fsr-3355	605	5	,	,	PUNCT
fsr-3355	605	6	21(1	21(1	NUM
fsr-3355	605	7	)	)	PUNCT
fsr-3355	605	8	,	,	PUNCT
fsr-3355	605	9	62	62	NUM
fsr-3355	605	10	-	-	SYM
fsr-3355	605	11	77	77	NUM
fsr-3355	605	12	.	.	PUNCT
fsr-3355	606	1	suchman	suchman	NOUN
fsr-3355	606	2	,	,	PUNCT
fsr-3355	606	3	e.	e.	PROPN
fsr-3355	606	4	a.	a.	PROPN
fsr-3355	606	5	(	(	PUNCT
fsr-3355	606	6	1966	1966	NUM
fsr-3355	606	7	)	)	PUNCT
fsr-3355	606	8	.	.	PUNCT
fsr-3355	607	1	health	health	NOUN
fsr-3355	607	2	orientation	orientation	NOUN
fsr-3355	607	3	and	and	CCONJ
fsr-3355	607	4	medical	medical	ADJ
fsr-3355	607	5	care	care	NOUN
fsr-3355	607	6	.	.	PUNCT
fsr-3355	608	1	american	american	ADJ
fsr-3355	608	2	journal	journal	PROPN
fsr-3355	608	3	of	of	ADP
fsr-3355	608	4	public	public	ADJ
fsr-3355	608	5	health	health	NOUN
fsr-3355	608	6	,	,	PUNCT
fsr-3355	608	7	56	56	NUM
fsr-3355	608	8	,	,	PUNCT
fsr-3355	608	9	97	97	NUM
fsr-3355	608	10	-	-	SYM
fsr-3355	608	11	105	105	NUM
fsr-3355	608	12	.	.	PUNCT
fsr-3355	609	1	the	the	DET
fsr-3355	609	2	white	white	PROPN
fsr-3355	609	3	house	house	PROPN
fsr-3355	609	4	.	.	PUNCT
fsr-3355	610	1	(	(	PUNCT
fsr-3355	610	2	2021	2021	NUM
fsr-3355	610	3	,	,	PUNCT
fsr-3355	610	4	june	june	PROPN
fsr-3355	610	5	1	1	NUM
fsr-3355	610	6	)	)	PUNCT
fsr-3355	610	7	.	.	PUNCT
fsr-3355	611	1	fact	fact	NOUN
fsr-3355	611	2	sheet	sheet	NOUN
fsr-3355	611	3	:	:	PUNCT
fsr-3355	611	4	biden	biden	PROPN
fsr-3355	611	5	-	-	PUNCT
fsr-3355	611	6	harris	harris	PROPN
fsr-3355	611	7	administration	administration	PROPN
fsr-3355	611	8	announces	announce	VERB
fsr-3355	611	9	new	new	ADJ
fsr-3355	611	10	actions	action	NOUN
fsr-3355	611	11	to	to	PART
fsr-3355	611	12	build	build	VERB
fsr-3355	611	13	black	black	ADJ
fsr-3355	611	14	wealth	wealth	NOUN
fsr-3355	611	15	and	and	CCONJ
fsr-3355	611	16	narrow	narrow	VERB
fsr-3355	611	17	the	the	DET
fsr-3355	611	18	racial	racial	ADJ
fsr-3355	611	19	wealth	wealth	NOUN
fsr-3355	611	20	gap	gap	NOUN
fsr-3355	611	21	.	.	PUNCT
fsr-3355	612	1	https://www.whitehouse.gov/briefingroom/statementsreleases/2021/06/01/fact-sheet-bidenharris-administration-announces-newactions-to-build-black-wealth-andnarrow-the-racial-wealth-gap/	https://www.whitehouse.gov/briefingroom/statementsreleases/2021/06/01/fact-sheet-bidenharris-administration-announces-newactions-to-build-black-wealth-andnarrow-the-racial-wealth-gap/	PROPN
fsr-3355	612	2	west	west	PROPN
fsr-3355	612	3	,	,	PUNCT
fsr-3355	612	4	j.	j.	PROPN
fsr-3355	612	5	(	(	PUNCT
fsr-3355	612	6	2012	2012	NUM
fsr-3355	612	7	)	)	PUNCT
fsr-3355	612	8	.	.	PUNCT
fsr-3355	613	1	financial	financial	ADJ
fsr-3355	613	2	advisor	advisor	NOUN
fsr-3355	613	3	participation	participation	NOUN
fsr-3355	613	4	rates	rate	NOUN
fsr-3355	613	5	and	and	CCONJ
fsr-3355	613	6	low	low	ADJ
fsr-3355	613	7	net	net	ADJ
fsr-3355	613	8	worth	worth	ADJ
fsr-3355	613	9	investors	investor	NOUN
fsr-3355	613	10	.	.	PUNCT
fsr-3355	614	1	journal	journal	PROPN
fsr-3355	614	2	of	of	ADP
fsr-3355	614	3	financial	financial	ADJ
fsr-3355	614	4	services	service	NOUN
fsr-3355	614	5	marketing	marketing	NOUN
fsr-3355	614	6	,	,	PUNCT
fsr-3355	614	7	17(1	17(1	NUM
fsr-3355	614	8	)	)	PUNCT
fsr-3355	614	9	,	,	PUNCT
fsr-3355	614	10	50–66	50–66	NUM
fsr-3355	614	11	.	.	PUNCT
fsr-3355	615	1	white	white	PROPN
fsr-3355	615	2	,	,	PUNCT
fsr-3355	615	3	k.	k.	PROPN
fsr-3355	615	4	,	,	PUNCT
fsr-3355	615	5	&	&	CCONJ
fsr-3355	615	6	heckman	heckman	PROPN
fsr-3355	615	7	,	,	PUNCT
fsr-3355	615	8	s.	s.	PROPN
fsr-3355	615	9	(	(	PUNCT
fsr-3355	615	10	2016	2016	NUM
fsr-3355	615	11	)	)	PUNCT
fsr-3355	615	12	.	.	PUNCT
fsr-3355	616	1	financial	financial	ADJ
fsr-3355	616	2	planner	planner	NOUN
fsr-3355	616	3	use	use	NOUN
fsr-3355	616	4	among	among	ADP
fsr-3355	616	5	black	black	ADJ
fsr-3355	616	6	and	and	CCONJ
fsr-3355	616	7	hispanic	hispanic	ADJ
fsr-3355	616	8	households	household	NOUN
fsr-3355	616	9	.	.	PUNCT
fsr-3355	617	1	journal	journal	NOUN
fsr-3355	617	2	of	of	ADP
fsr-3355	617	3	financial	financial	ADJ
fsr-3355	617	4	planning	planning	NOUN
fsr-3355	617	5	,	,	PUNCT
fsr-3355	617	6	29(9	29(9	NUM
fsr-3355	617	7	)	)	PUNCT
fsr-3355	617	8	,	,	PUNCT
fsr-3355	617	9	40–49	40–49	NUM
fsr-3355	617	10	.	.	PUNCT
fsr-3355	618	1	https://crsreports.congress.gov/product/pdf/if/if12007	https://crsreports.congress.gov/product/pdf/if/if12007	PROPN
fsr-3355	618	2	https://crsreports.congress.gov/product/pdf/if/if12007	https://crsreports.congress.gov/product/pdf/if/if12007	PROPN
fsr-3355	619	1	https://econpapers.repec.org/software/bocbocode/s458017.htm	https://econpapers.repec.org/software/bocbocode/s458017.htm	PROPN
fsr-3355	619	2	https://econpapers.repec.org/software/bocbocode/s458017.htm	https://econpapers.repec.org/software/bocbocode/s458017.htm	PROPN
fsr-3355	619	3	https://doi.org/10.17953/1545-0317.13.1.25	https://doi.org/10.17953/1545-0317.13.1.25	PROPN
fsr-3355	619	4	https://doi.org/10.17953/1545-0317.13.1.25	https://doi.org/10.17953/1545-0317.13.1.25	PROPN
fsr-3355	619	5	https://doi.org/10.1007/978-3-319-28887-1	https://doi.org/10.1007/978-3-319-28887-1	PROPN
fsr-3355	619	6	https://doi.org/10.1007/978-3-319-28887-1	https://doi.org/10.1007/978-3-319-28887-1	PROPN
fsr-3355	619	7	https://doi.org/10.1007/978-3-319-28887-1	https://doi.org/10.1007/978-3-319-28887-1	PROPN
fsr-3355	619	8	https://doi.org/10.1007/978-3-319-28887-1	https://doi.org/10.1007/978-3-319-28887-1	PROPN
fsr-3355	619	9	https://doi.org/10.1002/cfp2.1169	https://doi.org/10.1002/cfp2.1169	PROPN
fsr-3355	619	10	https://doi.org/10.1111/fcsr.12397	https://doi.org/10.1111/fcsr.12397	ADJ
fsr-3355	620	1	https://doi.org/10.1111/fcsr.12397	https://doi.org/10.1111/fcsr.12397	ADJ
fsr-3355	620	2	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	NOUN
fsr-3355	620	3	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	ADJ
fsr-3355	620	4	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	ADJ
fsr-3355	620	5	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	ADJ
fsr-3355	620	6	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	NOUN
fsr-3355	620	7	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	https://www.whitehouse.gov/briefing-room/statements-releases/2021/06/01/fact-sheet-biden-harris-administration-announces-new-actions-to-build-black-wealth-and-narrow-the-racial-wealth-gap/	NOUN
fsr-3355	620	8	qing	qing	NOUN
fsr-3355	620	9	&	&	CCONJ
fsr-3355	620	10	reiter	reiter	PROPN
fsr-3355	620	11	49	49	NUM
fsr-3355	620	12	white	white	PROPN
fsr-3355	620	13	,	,	PUNCT
fsr-3355	620	14	k.	k.	PROPN
fsr-3355	620	15	j.	j.	PROPN
fsr-3355	620	16	,	,	PUNCT
fsr-3355	620	17	mccoy	mccoy	PROPN
fsr-3355	620	18	,	,	PUNCT
fsr-3355	620	19	m.	m.	NOUN
fsr-3355	620	20	,	,	PUNCT
fsr-3355	620	21	watkins	watkins	PROPN
fsr-3355	620	22	,	,	PUNCT
fsr-3355	620	23	k.	k.	PROPN
fsr-3355	620	24	,	,	PUNCT
fsr-3355	620	25	chen	chen	PROPN
fsr-3355	620	26	,	,	PUNCT
fsr-3355	620	27	x.	x.	PROPN
fsr-3355	620	28	,	,	PUNCT
fsr-3355	620	29	koposko	koposko	ADV
fsr-3355	620	30	,	,	PUNCT
fsr-3355	620	31	j.	j.	PROPN
fsr-3355	620	32	,	,	PUNCT
fsr-3355	620	33	&	&	CCONJ
fsr-3355	620	34	mizuta	mizuta	PROPN
fsr-3355	620	35	,	,	PUNCT
fsr-3355	620	36	m.	m.	NOUN
fsr-3355	620	37	(	(	PUNCT
fsr-3355	620	38	2021	2021	NUM
fsr-3355	620	39	)	)	PUNCT
fsr-3355	621	1	.	.	PUNCT
fsr-3355	622	1	“	"	PUNCT
fsr-3355	622	2	we	we	PRON
fsr-3355	622	3	do	do	AUX
fsr-3355	622	4	n’t	not	PART
fsr-3355	622	5	talk	talk	VERB
fsr-3355	622	6	about	about	ADP
fsr-3355	622	7	that	that	PRON
fsr-3355	622	8	”	"	PUNCT
fsr-3355	622	9	:	:	PUNCT
fsr-3355	622	10	exploring	explore	VERB
fsr-3355	622	11	money	money	NOUN
fsr-3355	622	12	conversations	conversation	NOUN
fsr-3355	622	13	of	of	ADP
fsr-3355	622	14	black	black	ADJ
fsr-3355	622	15	,	,	PUNCT
fsr-3355	622	16	hispanic	hispanic	ADJ
fsr-3355	622	17	,	,	PUNCT
fsr-3355	622	18	and	and	CCONJ
fsr-3355	622	19	white	white	ADJ
fsr-3355	622	20	households	household	NOUN
fsr-3355	622	21	.	.	PUNCT
fsr-3355	623	1	family	family	NOUN
fsr-3355	623	2	and	and	CCONJ
fsr-3355	623	3	consumer	consumer	NOUN
fsr-3355	623	4	sciences	sciences	PROPN
fsr-3355	623	5	research	research	NOUN
fsr-3355	623	6	journal	journal	PROPN
fsr-3355	623	7	,	,	PUNCT
fsr-3355	623	8	49(4	49(4	NOUN
fsr-3355	623	9	)	)	PUNCT
fsr-3355	623	10	,	,	PUNCT
fsr-3355	623	11	328	328	NUM
fsr-3355	623	12	-	-	SYM
fsr-3355	623	13	343	343	NUM
fsr-3355	623	14	.	.	PUNCT
fsr-3355	624	1	https://doi.org/10.1111/fcsr.12397	https://doi.org/10.1111/fcsr.12397	PROPN
fsr-3355	624	2	wilson	wilson	PROPN
fsr-3355	624	3	,	,	PUNCT
fsr-3355	624	4	v.	v.	PROPN
fsr-3355	624	5	(	(	PUNCT
fsr-3355	624	6	2020	2020	NUM
fsr-3355	624	7	,	,	PUNCT
fsr-3355	624	8	september	september	PROPN
fsr-3355	624	9	16	16	NUM
fsr-3355	624	10	)	)	PUNCT
fsr-3355	624	11	.	.	PUNCT
fsr-3355	625	1	racial	racial	ADJ
fsr-3355	625	2	disparities	disparity	NOUN
fsr-3355	625	3	in	in	ADP
fsr-3355	625	4	income	income	NOUN
fsr-3355	625	5	and	and	CCONJ
fsr-3355	625	6	poverty	poverty	NOUN
fsr-3355	625	7	remain	remain	VERB
fsr-3355	625	8	largely	largely	ADV
fsr-3355	625	9	unchanged	unchanged	ADJ
fsr-3355	625	10	amid	amid	ADP
fsr-3355	625	11	strong	strong	ADJ
fsr-3355	625	12	income	income	NOUN
fsr-3355	625	13	growth	growth	NOUN
fsr-3355	625	14	in	in	ADP
fsr-3355	625	15	2019	2019	NUM
fsr-3355	625	16	.	.	PUNCT
fsr-3355	626	1	working	work	VERB
fsr-3355	626	2	economics	economic	NOUN
fsr-3355	626	3	blog	blog	NOUN
fsr-3355	626	4	.	.	PUNCT
fsr-3355	627	1	https://www.epi.org/blog/racialdisparities-in-income-and-povertyremain-largely-unchanged-amid-strongincome-growth-in-2019/.	https://www.epi.org/blog/racialdisparities-in-income-and-povertyremain-largely-unchanged-amid-strongincome-growth-in-2019/.	PROPN
fsr-3355	627	2	wolff	wolff	PROPN
fsr-3355	627	3	,	,	PUNCT
fsr-3355	627	4	e.	e.	PROPN
fsr-3355	627	5	(	(	PUNCT
fsr-3355	627	6	2023	2023	NUM
fsr-3355	627	7	)	)	PUNCT
fsr-3355	627	8	.	.	PUNCT
fsr-3355	628	1	trends	trend	NOUN
fsr-3355	628	2	in	in	ADP
fsr-3355	628	3	the	the	DET
fsr-3355	628	4	retirement	retirement	NOUN
fsr-3355	628	5	preparedness	preparedness	NOUN
fsr-3355	628	6	of	of	ADP
fsr-3355	628	7	black	black	ADJ
fsr-3355	628	8	and	and	CCONJ
fsr-3355	628	9	hispanic	hispanic	ADJ
fsr-3355	628	10	households	household	NOUN
fsr-3355	628	11	in	in	ADP
fsr-3355	628	12	the	the	DET
fsr-3355	628	13	us	us	PROPN
fsr-3355	628	14	(	(	PUNCT
fsr-3355	628	15	nber	nber	PROPN
fsr-3355	628	16	working	working	PROPN
fsr-3355	628	17	papers	paper	NOUN
fsr-3355	628	18	31532	31532	NUM
fsr-3355	628	19	)	)	PUNCT
fsr-3355	628	20	.	.	PUNCT
fsr-3355	629	1	https://ideas.repec.org/p/nbr/nberwo/315	https://ideas.repec.org/p/nbr/nberwo/315	PROPN
fsr-3355	629	2	32.html	32.html	NUM
fsr-3355	629	3	yao	yao	PROPN
fsr-3355	629	4	,	,	PUNCT
fsr-3355	629	5	r.	r.	PROPN
fsr-3355	629	6	(	(	PUNCT
fsr-3355	629	7	2016	2016	NUM
fsr-3355	629	8	)	)	PUNCT
fsr-3355	629	9	.	.	PUNCT
fsr-3355	630	1	financial	financial	ADJ
fsr-3355	630	2	wellbeing	wellbeing	NOUN
fsr-3355	630	3	of	of	ADP
fsr-3355	630	4	asian	asian	ADJ
fsr-3355	630	5	americans	americans	PROPN
fsr-3355	630	6	.	.	PUNCT
fsr-3355	631	1	in	in	ADP
fsr-3355	631	2	j.	j.	PROPN
fsr-3355	631	3	j.	j.	PROPN
fsr-3355	631	4	xiao	xiao	PROPN
fsr-3355	631	5	(	(	PUNCT
fsr-3355	631	6	ed	ed	NOUN
fsr-3355	631	7	.	.	PUNCT
fsr-3355	631	8	)	)	PUNCT
fsr-3355	631	9	,	,	PUNCT
fsr-3355	631	10	handbook	handbook	NOUN
fsr-3355	631	11	of	of	ADP
fsr-3355	631	12	consumer	consumer	NOUN
fsr-3355	631	13	finance	finance	NOUN
fsr-3355	631	14	research	research	NOUN
fsr-3355	631	15	(	(	PUNCT
fsr-3355	631	16	pp	pp	ADJ
fsr-3355	631	17	.	.	PUNCT
fsr-3355	631	18	225	225	NUM
fsr-3355	631	19	–	–	PUNCT
fsr-3355	631	20	238	238	NUM
fsr-3355	631	21	)	)	PUNCT
fsr-3355	631	22	.	.	PUNCT
fsr-3355	632	1	springer	springer	NOUN
fsr-3355	632	2	.	.	PUNCT
fsr-3355	633	1	https://doi.org/10.1007/978-3-31928887-1_19	https://doi.org/10.1007/978-3-31928887-1_19	PROPN
fsr-3355	633	2	yao	yao	PROPN
fsr-3355	633	3	,	,	PUNCT
fsr-3355	633	4	r.	r.	PROPN
fsr-3355	633	5	,	,	PUNCT
fsr-3355	633	6	gutter	gutter	NOUN
fsr-3355	633	7	,	,	PUNCT
fsr-3355	633	8	m.	m.	NOUN
fsr-3355	633	9	s.	s.	PROPN
fsr-3355	633	10	,	,	PUNCT
fsr-3355	633	11	&	&	CCONJ
fsr-3355	633	12	hanna	hanna	PROPN
fsr-3355	633	13	,	,	PUNCT
fsr-3355	633	14	s.	s.	PROPN
fsr-3355	633	15	d.	d.	PROPN
fsr-3355	633	16	(	(	PUNCT
fsr-3355	633	17	2005	2005	NUM
fsr-3355	633	18	)	)	PUNCT
fsr-3355	633	19	.	.	PUNCT
fsr-3355	634	1	the	the	DET
fsr-3355	634	2	financial	financial	ADJ
fsr-3355	634	3	risk	risk	NOUN
fsr-3355	634	4	tolerance	tolerance	NOUN
fsr-3355	634	5	of	of	ADP
fsr-3355	634	6	blacks	black	NOUN
fsr-3355	634	7	,	,	PUNCT
fsr-3355	634	8	hispanics	hispanic	NOUN
fsr-3355	634	9	and	and	CCONJ
fsr-3355	634	10	whites	white	NOUN
fsr-3355	634	11	.	.	PUNCT
fsr-3355	635	1	journal	journal	NOUN
fsr-3355	635	2	of	of	ADP
fsr-3355	635	3	financial	financial	ADJ
fsr-3355	635	4	counseling	counseling	NOUN
fsr-3355	635	5	and	and	CCONJ
fsr-3355	635	6	planning	planning	NOUN
fsr-3355	635	7	,	,	PUNCT
fsr-3355	635	8	16(1	16(1	NUM
fsr-3355	635	9	)	)	PUNCT
fsr-3355	635	10	,	,	PUNCT
fsr-3355	635	11	51–62	51–62	NUM
fsr-3355	635	12	.	.	PUNCT
fsr-3355	636	1	https://doi.org/10.1111/fcsr.12397	https://doi.org/10.1111/fcsr.12397	PROPN
fsr-3355	636	2	https://www.epi.org/blog/racial-disparities-in-income-and-poverty-remain-largely-unchanged-amid-strong-income-growth-in-2019/	https://www.epi.org/blog/racial-disparities-in-income-and-poverty-remain-largely-unchanged-amid-strong-income-growth-in-2019/	PROPN
fsr-3355	636	3	https://www.epi.org/blog/racial-disparities-in-income-and-poverty-remain-largely-unchanged-amid-strong-income-growth-in-2019/	https://www.epi.org/blog/racial-disparities-in-income-and-poverty-remain-largely-unchanged-amid-strong-income-growth-in-2019/	ADJ
fsr-3355	636	4	https://www.epi.org/blog/racial-disparities-in-income-and-poverty-remain-largely-unchanged-amid-strong-income-growth-in-2019/	https://www.epi.org/blog/racial-disparities-in-income-and-poverty-remain-largely-unchanged-amid-strong-income-growth-in-2019/	PROPN
fsr-3355	636	5	https://www.epi.org/blog/racial-disparities-in-income-and-poverty-remain-largely-unchanged-amid-strong-income-growth-in-2019/	https://www.epi.org/blog/racial-disparities-in-income-and-poverty-remain-largely-unchanged-amid-strong-income-growth-in-2019/	ADJ
fsr-3355	636	6	https://ideas.repec.org/p/nbr/nberwo/31532.html	https://ideas.repec.org/p/nbr/nberwo/31532.html	ADJ
fsr-3355	636	7	https://ideas.repec.org/p/nbr/nberwo/31532.html	https://ideas.repec.org/p/nbr/nberwo/31532.html	PROPN
fsr-3355	636	8	https://doi.org/10.1007/978-3-319-28887-1_19	https://doi.org/10.1007/978-3-319-28887-1_19	PROPN
fsr-3355	636	9	https://doi.org/10.1007/978-3-319-28887-1_19	https://doi.org/10.1007/978-3-319-28887-1_19	PROPN
fsr-3355	636	10	financial	financial	PROPN
fsr-3355	636	11	services	service	NOUN
fsr-3355	636	12	review	review	PROPN
fsr-3355	636	13	,	,	PUNCT
fsr-3355	636	14	32(4	32(4	NUM
fsr-3355	636	15	)	)	PUNCT
fsr-3355	636	16	50	50	NUM
fsr-3355	636	17	appendix	appendix	NOUN
fsr-3355	636	18	binomial	binomial	ADJ
fsr-3355	636	19	logistic	logistic	ADJ
fsr-3355	636	20	regression	regression	NOUN
fsr-3355	636	21	of	of	ADP
fsr-3355	636	22	financial	financial	ADJ
fsr-3355	636	23	planner	planner	NOUN
fsr-3355	636	24	use	use	NOUN
fsr-3355	636	25	(	(	PUNCT
fsr-3355	636	26	white	white	ADJ
fsr-3355	636	27	as	as	ADP
fsr-3355	636	28	reference	reference	NOUN
fsr-3355	636	29	)	)	PUNCT
fsr-3355	636	30	pooled	pool	VERB
fsr-3355	636	31	sample	sample	NOUN
fsr-3355	636	32	variables	variables	PROPN
fsr-3355	636	33	coef	coef	PROPN
fsr-3355	636	34	.	.	PUNCT
fsr-3355	637	1	s.e	s.e	PROPN
fsr-3355	637	2	.	.	PROPN
fsr-3355	637	3	race/	race/	NUM
fsr-3355	637	4	ethnicity	ethnicity	NOUN
fsr-3355	637	5	(	(	PUNCT
fsr-3355	637	6	ref.=white	ref.=white	NOUN
fsr-3355	637	7	)	)	PUNCT
fsr-3355	637	8	black	black	NOUN
fsr-3355	637	9	0.0435	0.0435	NUM
fsr-3355	637	10	0.0588	0.0588	NUM
fsr-3355	637	11	hispanic	hispanic	ADJ
fsr-3355	637	12	-0.1463	-0.1463	PROPN
fsr-3355	637	13	*	*	PUNCT
fsr-3355	637	14	*	*	PUNCT
fsr-3355	637	15	0.0563	0.0563	NUM
fsr-3355	637	16	asian	asian	ADJ
fsr-3355	637	17	/	/	SYM
fsr-3355	637	18	other	other	ADJ
fsr-3355	637	19	-0.2359	-0.2359	NOUN
fsr-3355	638	1	*	*	PUNCT
fsr-3355	638	2	*	*	PUNCT
fsr-3355	638	3	0.0811	0.0811	NUM
fsr-3355	638	4	female	female	ADJ
fsr-3355	638	5	(	(	PUNCT
fsr-3355	638	6	ref.=	ref.=	NOUN
fsr-3355	638	7	male	male	NOUN
fsr-3355	638	8	)	)	PUNCT
fsr-3355	639	1	0.3284	0.3284	NUM
fsr-3355	639	2	*	*	PUNCT
fsr-3355	640	1	*	*	PUNCT
fsr-3355	640	2	*	*	PUNCT
fsr-3355	640	3	0.0324	0.0324	NUM
fsr-3355	640	4	age	age	NOUN
fsr-3355	640	5	0.0343	0.0343	NUM
fsr-3355	640	6	*	*	PUNCT
fsr-3355	640	7	*	*	PUNCT
fsr-3355	640	8	*	*	X
fsr-3355	640	9	0.0072	0.0072	NUM
fsr-3355	640	10	age	age	NOUN
fsr-3355	640	11	squared	square	VERB
fsr-3355	640	12	-0.0003	-0.0003	NOUN
fsr-3355	640	13	*	*	PUNCT
fsr-3355	640	14	*	*	PUNCT
fsr-3355	640	15	*	*	PUNCT
fsr-3355	640	16	0.0001	0.0001	NUM
fsr-3355	640	17	married	married	ADJ
fsr-3355	640	18	(	(	PUNCT
fsr-3355	640	19	ref.=	ref.=	NOUN
fsr-3355	640	20	not	not	PART
fsr-3355	640	21	married	married	ADJ
fsr-3355	640	22	)	)	PUNCT
fsr-3355	640	23	-0.0706	-0.0706	PUNCT
fsr-3355	641	1	0.0472	0.0472	NUM
fsr-3355	641	2	income	income	NOUN
fsr-3355	641	3	(	(	PUNCT
fsr-3355	641	4	ref.=	ref.=	NOUN
fsr-3355	641	5	less	less	ADJ
fsr-3355	641	6	than	than	ADP
fsr-3355	641	7	$	$	SYM
fsr-3355	641	8	50k	50k	NUM
fsr-3355	641	9	)	)	PUNCT
fsr-3355	641	10	$	$	SYM
fsr-3355	641	11	50k-$99,999	50k-$99,999	NUM
fsr-3355	641	12	0.2189	0.2189	NUM
fsr-3355	641	13	*	*	PUNCT
fsr-3355	641	14	*	*	PUNCT
fsr-3355	641	15	*	*	PUNCT
fsr-3355	641	16	0.0487	0.0487	NUM
fsr-3355	641	17	$	$	SYM
fsr-3355	641	18	100k	100k	NUM
fsr-3355	641	19	above	above	ADP
fsr-3355	641	20	0.5294	0.5294	NUM
fsr-3355	641	21	*	*	PUNCT
fsr-3355	641	22	*	*	PUNCT
fsr-3355	641	23	*	*	PUNCT
fsr-3355	641	24	0.0506	0.0506	NUM
fsr-3355	641	25	net	net	NOUN
fsr-3355	641	26	worth	worth	ADJ
fsr-3355	641	27	0.0225	0.0225	NUM
fsr-3355	641	28	*	*	PUNCT
fsr-3355	641	29	*	*	PUNCT
fsr-3355	641	30	*	*	PUNCT
fsr-3355	641	31	0.0052	0.0052	NUM
fsr-3355	641	32	risk	risk	NOUN
fsr-3355	641	33	tolerance	tolerance	NOUN
fsr-3355	641	34	(	(	PUNCT
fsr-3355	641	35	ref.=not	ref.=not	PROPN
fsr-3355	641	36	willing	willing	ADJ
fsr-3355	641	37	)	)	PUNCT
fsr-3355	641	38	average	average	ADJ
fsr-3355	641	39	risk	risk	NOUN
fsr-3355	641	40	0.7900	0.7900	NUM
fsr-3355	641	41	*	*	PUNCT
fsr-3355	641	42	*	*	PUNCT
fsr-3355	641	43	*	*	PUNCT
fsr-3355	641	44	0.0480	0.0480	NUM
fsr-3355	641	45	above	above	ADP
fsr-3355	641	46	average	average	ADJ
fsr-3355	641	47	risk	risk	NOUN
fsr-3355	641	48	0.7823	0.7823	NUM
fsr-3355	641	49	*	*	PUNCT
fsr-3355	641	50	*	*	PUNCT
fsr-3355	641	51	*	*	PUNCT
fsr-3355	641	52	0.0518	0.0518	NUM
fsr-3355	641	53	substantial	substantial	ADJ
fsr-3355	641	54	risk	risk	NOUN
fsr-3355	641	55	0.5862	0.5862	NUM
fsr-3355	641	56	*	*	PUNCT
fsr-3355	641	57	*	*	PUNCT
fsr-3355	641	58	*	*	X
fsr-3355	641	59	0.0919	0.0919	NUM
fsr-3355	641	60	invest	inv	ADJ
fsr-3355	641	61	horizon	horizon	NOUN
fsr-3355	641	62	(	(	PUNCT
fsr-3355	641	63	ref.=next	ref.=next	VERB
fsr-3355	641	64	few	few	ADJ
fsr-3355	641	65	months	month	NOUN
fsr-3355	641	66	)	)	PUNCT
fsr-3355	641	67	next	next	ADJ
fsr-3355	641	68	year	year	NOUN
fsr-3355	641	69	0.0105	0.0105	NUM
fsr-3355	641	70	0.0591	0.0591	NUM
fsr-3355	641	71	next	next	ADJ
fsr-3355	641	72	few	few	ADJ
fsr-3355	641	73	years	year	NOUN
fsr-3355	641	74	0.1714	0.1714	NUM
fsr-3355	641	75	*	*	PUNCT
fsr-3355	641	76	*	*	NOUN
fsr-3355	641	77	0.0560	0.0560	NUM
fsr-3355	641	78	next	next	ADJ
fsr-3355	641	79	5	5	NUM
fsr-3355	641	80	-	-	SYM
fsr-3355	641	81	10	10	NUM
fsr-3355	641	82	years	year	NOUN
fsr-3355	641	83	0.3205	0.3205	NUM
fsr-3355	641	84	*	*	PUNCT
fsr-3355	641	85	*	*	PUNCT
fsr-3355	641	86	*	*	PUNCT
fsr-3355	641	87	0.0605	0.0605	NUM
fsr-3355	641	88	longer	long	ADJ
fsr-3355	641	89	than	than	ADP
fsr-3355	641	90	10	10	NUM
fsr-3355	641	91	years	year	NOUN
fsr-3355	641	92	0.3778	0.3778	NUM
fsr-3355	641	93	*	*	PUNCT
fsr-3355	641	94	*	*	PUNCT
fsr-3355	641	95	*	*	PUNCT
fsr-3355	641	96	0.0618	0.0618	NUM
fsr-3355	641	97	subjective	subjective	ADJ
fsr-3355	641	98	knowledge	knowledge	NOUN
fsr-3355	641	99	0.0172	0.0172	NUM
fsr-3355	641	100	*	*	SYM
fsr-3355	641	101	0.0080	0.0080	NUM
fsr-3355	641	102	objective	objective	ADJ
fsr-3355	641	103	knowledge	knowledge	NOUN
fsr-3355	641	104	0.1770	0.1770	NUM
fsr-3355	641	105	*	*	PUNCT
fsr-3355	641	106	*	*	PUNCT
fsr-3355	641	107	*	*	PUNCT
fsr-3355	641	108	0.0254	0.0254	NUM
fsr-3355	641	109	household	household	NOUN
fsr-3355	641	110	size	size	NOUN
fsr-3355	641	111	-0.0353	-0.0353	PROPN
fsr-3355	641	112	*	*	PUNCT
fsr-3355	641	113	0.0145	0.0145	NUM
fsr-3355	641	114	educational	educational	ADJ
fsr-3355	641	115	attainment	attainment	NOUN
fsr-3355	641	116	(	(	PUNCT
fsr-3355	641	117	ref	ref	NOUN
fsr-3355	641	118	.	.	PUNCT
fsr-3355	642	1	=	=	PUNCT
fsr-3355	642	2	less	less	ADJ
fsr-3355	642	3	than	than	ADP
fsr-3355	642	4	high	high	ADJ
fsr-3355	642	5	school	school	NOUN
fsr-3355	642	6	)	)	PUNCT
fsr-3355	642	7	high	high	ADJ
fsr-3355	642	8	school	school	NOUN
fsr-3355	642	9	0.5133	0.5133	NUM
fsr-3355	642	10	*	*	PUNCT
fsr-3355	642	11	*	*	PUNCT
fsr-3355	643	1	*	*	PUNCT
fsr-3355	643	2	0.1091	0.1091	NUM
fsr-3355	643	3	some	some	DET
fsr-3355	643	4	college	college	NOUN
fsr-3355	643	5	0.6238	0.6238	NUM
fsr-3355	643	6	*	*	PUNCT
fsr-3355	643	7	*	*	PUNCT
fsr-3355	643	8	*	*	PUNCT
fsr-3355	643	9	0.1011	0.1011	NUM
fsr-3355	643	10	bachelor	bachelor	NOUN
fsr-3355	643	11	0.8328	0.8328	NUM
fsr-3355	643	12	*	*	PUNCT
fsr-3355	643	13	*	*	PUNCT
fsr-3355	643	14	*	*	PUNCT
fsr-3355	643	15	0.1031	0.1031	NUM
fsr-3355	643	16	graduate	graduate	NOUN
fsr-3355	643	17	0.9187	0.9187	NUM
fsr-3355	643	18	*	*	PUNCT
fsr-3355	643	19	*	*	PUNCT
fsr-3355	643	20	*	*	PUNCT
fsr-3355	643	21	0.1025	0.1025	NUM
fsr-3355	643	22	homeownership	homeownership	NOUN
fsr-3355	643	23	(	(	PUNCT
fsr-3355	643	24	ref.=no	ref.=no	PROPN
fsr-3355	643	25	)	)	PUNCT
fsr-3355	643	26	0.1552	0.1552	NUM
fsr-3355	643	27	*	*	PUNCT
fsr-3355	643	28	*	*	PUNCT
fsr-3355	643	29	*	*	X
fsr-3355	643	30	0.0486	0.0486	NUM
fsr-3355	643	31	employed	employ	VERB
fsr-3355	643	32	(	(	PUNCT
fsr-3355	643	33	ref.=unemployed	ref.=unemployed	NUM
fsr-3355	643	34	)	)	PUNCT
fsr-3355	643	35	employee	employee	NOUN
fsr-3355	643	36	0.0093	0.0093	NUM
fsr-3355	643	37	0.0990	0.0990	NUM
fsr-3355	643	38	self	self	NOUN
fsr-3355	643	39	-	-	PUNCT
fsr-3355	643	40	employed	employ	VERB
fsr-3355	643	41	0.0397	0.0397	NUM
fsr-3355	643	42	0.1013	0.1013	NUM
fsr-3355	643	43	retired	retire	VERB
fsr-3355	643	44	0.1318	0.1318	NUM
fsr-3355	643	45	0.1046	0.1046	NUM
fsr-3355	643	46	have	have	VERB
fsr-3355	643	47	emergency	emergency	NOUN
fsr-3355	643	48	funds	fund	NOUN
fsr-3355	643	49	(	(	PUNCT
fsr-3355	643	50	ref.=	ref.=	NOUN
fsr-3355	643	51	no	no	NOUN
fsr-3355	643	52	)	)	PUNCT
fsr-3355	643	53	0.1014	0.1014	NUM
fsr-3355	643	54	*	*	SYM
fsr-3355	643	55	0.0433	0.0433	NUM
fsr-3355	643	56	intercept	intercept	NOUN
fsr-3355	643	57	-4.4575	-4.4575	NOUN
fsr-3355	643	58	*	*	PUNCT
fsr-3355	643	59	*	*	PUNCT
fsr-3355	643	60	*	*	PUNCT
fsr-3355	643	61	0.2543	0.2543	NUM
fsr-3355	643	62	sample	sample	NOUN
fsr-3355	643	63	size	size	NOUN
fsr-3355	643	64	4,059	4,059	NUM
fsr-3355	643	65	r	r	NOUN
fsr-3355	643	66	-	-	PUNCT
fsr-3355	643	67	squared	square	VERB
fsr-3355	643	68	0.1172	0.1172	NUM
fsr-3355	643	69	note	note	NOUN
fsr-3355	643	70	:	:	PUNCT
fsr-3355	643	71	unweighted	unweighted	ADJ
fsr-3355	643	72	analysis	analysis	NOUN
fsr-3355	643	73	,	,	PUNCT
fsr-3355	643	74	2016	2016	NUM
fsr-3355	643	75	&	&	CCONJ
fsr-3355	643	76	2019	2019	NUM
fsr-3355	643	77	scf	scf	PROPN
fsr-3355	643	78	.	.	PUNCT
fsr-3355	644	1	*	*	PUNCT
fsr-3355	644	2	p<0.05	p<0.05	NOUN
fsr-3355	644	3	;	;	PUNCT
fsr-3355	644	4	*	*	PUNCT
fsr-3355	644	5	*	*	PUNCT
fsr-3355	644	6	p<0.01	p<0.01	PROPN
fsr-3355	644	7	;	;	PUNCT
fsr-3355	644	8	*	*	PUNCT
fsr-3355	644	9	*	*	PUNCT
fsr-3355	644	10	*	*	PUNCT
fsr-3355	644	11	p<0.001	p<0.001	ADJ