id	sid	tid	token	lemma	pos
fsr-3365	1	1	from	from	ADP
fsr-3365	1	2	the	the	DET
fsr-3365	1	3	editor	editor	NOUN
fsr-3365	1	4	this	this	DET
fsr-3365	1	5	issue	issue	NOUN
fsr-3365	1	6	contains	contain	VERB
fsr-3365	1	7	issue	issue	NOUN
fsr-3365	1	8	3	3	NUM
fsr-3365	1	9	of	of	ADP
fsr-3365	1	10	volume	volume	NOUN
fsr-3365	1	11	26	26	NUM
fsr-3365	1	12	of	of	ADP
fsr-3365	1	13	financial	financial	ADJ
fsr-3365	1	14	services	service	NOUN
fsr-3365	1	15	review	review	NOUN
fsr-3365	1	16	(	(	PUNCT
fsr-3365	1	17	fsr	fsr	PROPN
fsr-3365	1	18	)	)	PUNCT
fsr-3365	1	19	.	.	PUNCT
fsr-3365	2	1	i	i	PRON
fsr-3365	2	2	would	would	AUX
fsr-3365	2	3	like	like	VERB
fsr-3365	2	4	to	to	PART
fsr-3365	2	5	thank	thank	VERB
fsr-3365	2	6	the	the	DET
fsr-3365	2	7	board	board	NOUN
fsr-3365	2	8	and	and	CCONJ
fsr-3365	2	9	members	member	NOUN
fsr-3365	2	10	of	of	ADP
fsr-3365	2	11	the	the	DET
fsr-3365	2	12	academy	academy	NOUN
fsr-3365	2	13	of	of	ADP
fsr-3365	2	14	financial	financial	ADJ
fsr-3365	2	15	services	service	NOUN
fsr-3365	2	16	for	for	ADP
fsr-3365	2	17	their	their	PRON
fsr-3365	2	18	continued	continue	VERB
fsr-3365	2	19	support	support	NOUN
fsr-3365	2	20	.	.	PUNCT
fsr-3365	3	1	i	i	PRON
fsr-3365	3	2	continue	continue	VERB
fsr-3365	3	3	to	to	PART
fsr-3365	3	4	work	work	VERB
fsr-3365	3	5	in	in	ADP
fsr-3365	3	6	broadening	broaden	VERB
fsr-3365	3	7	the	the	DET
fsr-3365	3	8	scope	scope	NOUN
fsr-3365	3	9	of	of	ADP
fsr-3365	3	10	articles	article	NOUN
fsr-3365	3	11	,	,	PUNCT
fsr-3365	3	12	while	while	SCONJ
fsr-3365	3	13	still	still	ADV
fsr-3365	3	14	focusing	focus	VERB
fsr-3365	3	15	on	on	ADP
fsr-3365	3	16	individual	individual	ADJ
fsr-3365	3	17	financial	financial	ADJ
fsr-3365	3	18	management	management	NOUN
fsr-3365	3	19	and	and	CCONJ
fsr-3365	3	20	personal	personal	ADJ
fsr-3365	3	21	financial	financial	ADJ
fsr-3365	3	22	planning	planning	NOUN
fsr-3365	3	23	.	.	PUNCT
fsr-3365	4	1	i	i	PRON
fsr-3365	4	2	encourage	encourage	VERB
fsr-3365	4	3	authors	author	NOUN
fsr-3365	4	4	to	to	PART
fsr-3365	4	5	reach	reach	VERB
fsr-3365	4	6	out	out	ADP
fsr-3365	4	7	when	when	SCONJ
fsr-3365	4	8	discussing	discuss	VERB
fsr-3365	4	9	implications	implication	NOUN
fsr-3365	4	10	of	of	ADP
fsr-3365	4	11	their	their	PRON
fsr-3365	4	12	findings	finding	NOUN
fsr-3365	4	13	in	in	ADP
fsr-3365	4	14	a	a	DET
fsr-3365	4	15	more	more	ADV
fsr-3365	4	16	comprehensive	comprehensive	ADJ
fsr-3365	4	17	way	way	NOUN
fsr-3365	4	18	.	.	PUNCT
fsr-3365	5	1	as	as	SCONJ
fsr-3365	5	2	such	such	ADJ
fsr-3365	5	3	,	,	PUNCT
fsr-3365	5	4	all	all	DET
fsr-3365	5	5	articles	article	NOUN
fsr-3365	5	6	in	in	ADP
fsr-3365	5	7	the	the	DET
fsr-3365	5	8	journal	journal	NOUN
fsr-3365	5	9	more	more	ADV
fsr-3365	5	10	appropriately	appropriately	ADV
fsr-3365	5	11	relate	relate	VERB
fsr-3365	5	12	to	to	ADP
fsr-3365	5	13	financial	financial	ADJ
fsr-3365	5	14	planning	planning	NOUN
fsr-3365	5	15	issues	issue	NOUN
fsr-3365	5	16	.	.	PUNCT
fsr-3365	6	1	the	the	DET
fsr-3365	6	2	lead	lead	ADJ
fsr-3365	6	3	article	article	NOUN
fsr-3365	6	4	“	"	PUNCT
fsr-3365	6	5	life	life	NOUN
fsr-3365	6	6	insurance	insurance	NOUN
fsr-3365	6	7	as	as	ADP
fsr-3365	6	8	a	a	DET
fsr-3365	6	9	retirement	retirement	NOUN
fsr-3365	6	10	income	income	NOUN
fsr-3365	6	11	tool	tool	NOUN
fsr-3365	6	12	”	"	PUNCT
fsr-3365	6	13	is	be	AUX
fsr-3365	6	14	coauthored	coauthore	VERB
fsr-3365	6	15	by	by	ADP
fsr-3365	6	16	russell	russell	PROPN
fsr-3365	6	17	delibero	delibero	PROPN
fsr-3365	6	18	and	and	CCONJ
fsr-3365	6	19	wade	wade	PROPN
fsr-3365	6	20	d.	d.	PROPN
fsr-3365	6	21	pfau	pfau	NOUN
fsr-3365	6	22	both	both	CCONJ
fsr-3365	6	23	at	at	ADP
fsr-3365	6	24	the	the	DET
fsr-3365	6	25	american	american	PROPN
fsr-3365	6	26	college	college	PROPN
fsr-3365	6	27	of	of	ADP
fsr-3365	6	28	financial	financial	ADJ
fsr-3365	6	29	services	service	NOUN
fsr-3365	6	30	.	.	PUNCT
fsr-3365	7	1	the	the	DET
fsr-3365	7	2	authors	author	NOUN
fsr-3365	7	3	provide	provide	VERB
fsr-3365	7	4	a	a	DET
fsr-3365	7	5	study	study	NOUN
fsr-3365	7	6	to	to	PART
fsr-3365	7	7	determine	determine	VERB
fsr-3365	7	8	whether	whether	SCONJ
fsr-3365	7	9	life	life	NOUN
fsr-3365	7	10	insurance	insurance	NOUN
fsr-3365	7	11	can	can	AUX
fsr-3365	7	12	play	play	VERB
fsr-3365	7	13	an	an	DET
fsr-3365	7	14	important	important	ADJ
fsr-3365	7	15	role	role	NOUN
fsr-3365	7	16	in	in	ADP
fsr-3365	7	17	an	an	DET
fsr-3365	7	18	overall	overall	ADJ
fsr-3365	7	19	retirement	retirement	NOUN
fsr-3365	7	20	portfolio	portfolio	NOUN
fsr-3365	7	21	given	give	VERB
fsr-3365	7	22	its	its	PRON
fsr-3365	7	23	tax	tax	NOUN
fsr-3365	7	24	-	-	PUNCT
fsr-3365	7	25	preferential	preferential	ADJ
fsr-3365	7	26	treatment	treatment	NOUN
fsr-3365	7	27	.	.	PUNCT
fsr-3365	8	1	this	this	DET
fsr-3365	8	2	study	study	NOUN
fsr-3365	8	3	develops	develop	VERB
fsr-3365	8	4	hypothetical	hypothetical	ADJ
fsr-3365	8	5	scenarios	scenario	NOUN
fsr-3365	8	6	for	for	ADP
fsr-3365	8	7	different	different	ADJ
fsr-3365	8	8	types	type	NOUN
fsr-3365	8	9	of	of	ADP
fsr-3365	8	10	individuals	individual	NOUN
fsr-3365	8	11	with	with	ADP
fsr-3365	8	12	varying	vary	VERB
fsr-3365	8	13	ages	age	NOUN
fsr-3365	8	14	and	and	CCONJ
fsr-3365	8	15	distribution	distribution	NOUN
fsr-3365	8	16	periods	period	NOUN
fsr-3365	8	17	,	,	PUNCT
fsr-3365	8	18	while	while	SCONJ
fsr-3365	8	19	using	use	VERB
fsr-3365	8	20	a	a	DET
fsr-3365	8	21	historical	historical	ADJ
fsr-3365	8	22	outlook	outlook	NOUN
fsr-3365	8	23	to	to	PART
fsr-3365	8	24	determine	determine	VERB
fsr-3365	8	25	the	the	DET
fsr-3365	8	26	proper	proper	ADJ
fsr-3365	8	27	structure	structure	NOUN
fsr-3365	8	28	of	of	ADP
fsr-3365	8	29	a	a	DET
fsr-3365	8	30	variable	variable	ADJ
fsr-3365	8	31	universal	universal	ADJ
fsr-3365	8	32	life	life	NOUN
fsr-3365	8	33	insurance	insurance	NOUN
fsr-3365	8	34	policy	policy	NOUN
fsr-3365	8	35	.	.	PUNCT
fsr-3365	9	1	the	the	DET
fsr-3365	9	2	authors	author	NOUN
fsr-3365	9	3	compare	compare	VERB
fsr-3365	9	4	a	a	DET
fsr-3365	9	5	variable	variable	ADJ
fsr-3365	9	6	universal	universal	ADJ
fsr-3365	9	7	life	life	NOUN
fsr-3365	9	8	policy	policy	NOUN
fsr-3365	9	9	to	to	ADP
fsr-3365	9	10	different	different	ADJ
fsr-3365	9	11	investment	investment	NOUN
fsr-3365	9	12	vehicles	vehicle	NOUN
fsr-3365	9	13	(	(	PUNCT
fsr-3365	9	14	both	both	CCONJ
fsr-3365	9	15	in	in	ADP
fsr-3365	9	16	qualified	qualified	ADJ
fsr-3365	9	17	and	and	CCONJ
fsr-3365	9	18	non	non	ADJ
fsr-3365	9	19	-	-	ADJ
fsr-3365	9	20	qualified	qualified	ADJ
fsr-3365	9	21	accounts	account	NOUN
fsr-3365	9	22	)	)	PUNCT
fsr-3365	9	23	on	on	ADP
fsr-3365	9	24	an	an	DET
fsr-3365	9	25	after	after	ADP
fsr-3365	9	26	-	-	PUNCT
fsr-3365	9	27	tax	tax	NOUN
fsr-3365	9	28	basis	basis	NOUN
fsr-3365	9	29	to	to	PART
fsr-3365	9	30	better	well	ADV
fsr-3365	9	31	understand	understand	VERB
fsr-3365	9	32	the	the	DET
fsr-3365	9	33	potential	potential	ADJ
fsr-3365	9	34	tradeoff	tradeoff	NOUN
fsr-3365	9	35	for	for	ADP
fsr-3365	9	36	tax	tax	NOUN
fsr-3365	9	37	-	-	PUNCT
fsr-3365	9	38	deferral	deferral	ADJ
fsr-3365	9	39	and	and	CCONJ
fsr-3365	9	40	insurance	insurance	NOUN
fsr-3365	9	41	fees	fee	NOUN
fsr-3365	9	42	within	within	ADP
fsr-3365	9	43	life	life	NOUN
fsr-3365	9	44	insurance	insurance	NOUN
fsr-3365	9	45	.	.	PUNCT
fsr-3365	10	1	the	the	DET
fsr-3365	10	2	second	second	ADJ
fsr-3365	10	3	article	article	NOUN
fsr-3365	10	4	“	"	PUNCT
fsr-3365	10	5	does	do	AUX
fsr-3365	10	6	the	the	DET
fsr-3365	10	7	source	source	NOUN
fsr-3365	10	8	of	of	ADP
fsr-3365	10	9	money	money	NOUN
fsr-3365	10	10	determine	determine	VERB
fsr-3365	10	11	retirement	retirement	NOUN
fsr-3365	10	12	investment	investment	NOUN
fsr-3365	10	13	choices	choice	NOUN
fsr-3365	10	14	?	?	PUNCT
fsr-3365	10	15	”	"	PUNCT
fsr-3365	10	16	is	be	AUX
fsr-3365	10	17	coauthored	coauthore	VERB
fsr-3365	10	18	by	by	ADP
fsr-3365	10	19	andrea	andrea	PROPN
fsr-3365	10	20	anthony	anthony	PROPN
fsr-3365	10	21	at	at	ADP
fsr-3365	10	22	golden	golden	PROPN
fsr-3365	10	23	gate	gate	PROPN
fsr-3365	10	24	university	university	PROPN
fsr-3365	10	25	,	,	PUNCT
fsr-3365	10	26	kristine	kristine	PROPN
fsr-3365	10	27	beck	beck	PROPN
fsr-3365	10	28	at	at	ADP
fsr-3365	10	29	california	california	PROPN
fsr-3365	10	30	state	state	PROPN
fsr-3365	10	31	university	university	PROPN
fsr-3365	10	32	northridge	northridge	NOUN
fsr-3365	10	33	,	,	PUNCT
fsr-3365	10	34	and	and	CCONJ
fsr-3365	10	35	inga	inga	PROPN
fsr-3365	10	36	chira	chira	PROPN
fsr-3365	10	37	at	at	ADP
fsr-3365	10	38	california	california	PROPN
fsr-3365	10	39	state	state	PROPN
fsr-3365	10	40	university	university	PROPN
fsr-3365	10	41	northridge	northridge	NOUN
fsr-3365	10	42	.	.	PUNCT
fsr-3365	11	1	using	use	VERB
fsr-3365	11	2	a	a	DET
fsr-3365	11	3	dataset	dataset	NOUN
fsr-3365	11	4	of	of	ADP
fsr-3365	11	5	actual	actual	ADJ
fsr-3365	11	6	investment	investment	NOUN
fsr-3365	11	7	choices	choice	NOUN
fsr-3365	11	8	of	of	ADP
fsr-3365	11	9	oregon	oregon	PROPN
fsr-3365	11	10	state	state	PROPN
fsr-3365	11	11	university	university	NOUN
fsr-3365	11	12	employees	employee	NOUN
fsr-3365	11	13	,	,	PUNCT
fsr-3365	11	14	the	the	DET
fsr-3365	11	15	authors	author	NOUN
fsr-3365	11	16	investigate	investigate	VERB
fsr-3365	11	17	how	how	SCONJ
fsr-3365	11	18	investment	investment	NOUN
fsr-3365	11	19	choices	choice	NOUN
fsr-3365	11	20	differ	differ	VERB
fsr-3365	11	21	among	among	ADP
fsr-3365	11	22	(	(	PUNCT
fsr-3365	11	23	1	1	X
fsr-3365	11	24	)	)	PUNCT
fsr-3365	11	25	the	the	DET
fsr-3365	11	26	optional	optional	ADJ
fsr-3365	11	27	retirement	retirement	NOUN
fsr-3365	11	28	plan	plan	NOUN
fsr-3365	11	29	(	(	PUNCT
fsr-3365	11	30	orp	orp	PROPN
fsr-3365	11	31	)	)	PUNCT
fsr-3365	11	32	funded	fund	VERB
fsr-3365	11	33	by	by	ADP
fsr-3365	11	34	the	the	DET
fsr-3365	11	35	employer	employer	NOUN
fsr-3365	11	36	and	and	CCONJ
fsr-3365	11	37	(	(	PUNCT
fsr-3365	11	38	2	2	X
fsr-3365	11	39	)	)	PUNCT
fsr-3365	11	40	the	the	DET
fsr-3365	11	41	investments	investment	NOUN
fsr-3365	11	42	in	in	ADP
fsr-3365	11	43	403(b	403(b	PROPN
fsr-3365	11	44	)	)	PUNCT
fsr-3365	11	45	accounts	account	NOUN
fsr-3365	11	46	funded	fund	VERB
fsr-3365	11	47	by	by	ADP
fsr-3365	11	48	employees	employee	NOUN
fsr-3365	11	49	themselves	themselves	PRON
fsr-3365	11	50	using	use	VERB
fsr-3365	11	51	voluntary	voluntary	ADJ
fsr-3365	11	52	salary	salary	NOUN
fsr-3365	11	53	reduction	reduction	NOUN
fsr-3365	11	54	.	.	PUNCT
fsr-3365	12	1	they	they	PRON
fsr-3365	12	2	find	find	VERB
fsr-3365	12	3	that	that	SCONJ
fsr-3365	12	4	the	the	DET
fsr-3365	12	5	level	level	NOUN
fsr-3365	12	6	of	of	ADP
fsr-3365	12	7	risk	risk	NOUN
fsr-3365	12	8	associated	associate	VERB
fsr-3365	12	9	with	with	ADP
fsr-3365	12	10	voluntary	voluntary	ADJ
fsr-3365	12	11	,	,	PUNCT
fsr-3365	12	12	salary	salary	NOUN
fsr-3365	12	13	reduction	reduction	NOUN
fsr-3365	12	14	investments	investment	NOUN
fsr-3365	12	15	in	in	ADP
fsr-3365	12	16	403(b	403(b	PROPN
fsr-3365	12	17	)	)	PUNCT
fsr-3365	12	18	accounts	account	NOUN
fsr-3365	12	19	is	be	AUX
fsr-3365	12	20	lower	low	ADJ
fsr-3365	12	21	than	than	ADP
fsr-3365	12	22	the	the	DET
fsr-3365	12	23	risk	risk	NOUN
fsr-3365	12	24	these	these	DET
fsr-3365	12	25	same	same	ADJ
fsr-3365	12	26	employees	employee	NOUN
fsr-3365	12	27	are	be	AUX
fsr-3365	12	28	currently	currently	ADV
fsr-3365	12	29	taking	take	VERB
fsr-3365	12	30	in	in	ADP
fsr-3365	12	31	their	their	PRON
fsr-3365	12	32	employer	employer	NOUN
fsr-3365	12	33	funded	fund	VERB
fsr-3365	12	34	401(a	401(a	PROPN
fsr-3365	12	35	)	)	PUNCT
fsr-3365	12	36	accounts	account	NOUN
fsr-3365	12	37	.	.	PUNCT
fsr-3365	13	1	they	they	PRON
fsr-3365	13	2	also	also	ADV
fsr-3365	13	3	find	find	VERB
fsr-3365	13	4	that	that	SCONJ
fsr-3365	13	5	participant	participant	ADJ
fsr-3365	13	6	investment	investment	NOUN
fsr-3365	13	7	choices	choice	NOUN
fsr-3365	13	8	in	in	ADP
fsr-3365	13	9	fidelity	fidelity	NOUN
fsr-3365	13	10	are	be	AUX
fsr-3365	13	11	riskier	risky	ADJ
fsr-3365	13	12	than	than	ADP
fsr-3365	13	13	the	the	DET
fsr-3365	13	14	choices	choice	NOUN
fsr-3365	13	15	made	make	VERB
fsr-3365	13	16	by	by	ADP
fsr-3365	13	17	those	those	PRON
fsr-3365	13	18	in	in	ADP
fsr-3365	13	19	tiaa	tiaa	NOUN
fsr-3365	13	20	-	-	PUNCT
fsr-3365	13	21	cref	cref	NOUN
fsr-3365	13	22	.	.	PUNCT
fsr-3365	14	1	the	the	DET
fsr-3365	14	2	third	third	ADJ
fsr-3365	14	3	article	article	NOUN
fsr-3365	14	4	,	,	PUNCT
fsr-3365	14	5	“	"	PUNCT
fsr-3365	14	6	marital	marital	ADJ
fsr-3365	14	7	status	status	NOUN
fsr-3365	14	8	,	,	PUNCT
fsr-3365	14	9	health	health	NOUN
fsr-3365	14	10	and	and	CCONJ
fsr-3365	14	11	retirement	retirement	NOUN
fsr-3365	14	12	wealth	wealth	NOUN
fsr-3365	14	13	for	for	ADP
fsr-3365	14	14	middle	middle	ADJ
fsr-3365	14	15	aged	aged	ADJ
fsr-3365	14	16	and	and	CCONJ
fsr-3365	14	17	older	old	ADJ
fsr-3365	14	18	women	woman	NOUN
fsr-3365	14	19	”	"	PUNCT
fsr-3365	14	20	is	be	AUX
fsr-3365	14	21	coauthored	coauthore	VERB
fsr-3365	14	22	by	by	ADP
fsr-3365	14	23	serah	serah	PROPN
fsr-3365	14	24	shin	shin	PROPN
fsr-3365	14	25	and	and	CCONJ
fsr-3365	14	26	hyungsoo	hyungsoo	VERB
fsr-3365	14	27	kim	kim	PROPN
fsr-3365	14	28	both	both	PRON
fsr-3365	14	29	at	at	ADP
fsr-3365	14	30	university	university	PROPN
fsr-3365	14	31	of	of	ADP
fsr-3365	14	32	kentucky	kentucky	PROPN
fsr-3365	14	33	.	.	PUNCT
fsr-3365	15	1	the	the	DET
fsr-3365	15	2	authors	author	NOUN
fsr-3365	15	3	investigate	investigate	VERB
fsr-3365	15	4	the	the	DET
fsr-3365	15	5	different	different	ADJ
fsr-3365	15	6	impacts	impact	NOUN
fsr-3365	15	7	of	of	ADP
fsr-3365	15	8	health	health	NOUN
fsr-3365	15	9	problems	problem	NOUN
fsr-3365	15	10	on	on	ADP
fsr-3365	15	11	wealth	wealth	NOUN
fsr-3365	15	12	among	among	ADP
fsr-3365	15	13	unmarried	unmarried	ADJ
fsr-3365	15	14	and	and	CCONJ
fsr-3365	15	15	married	married	ADJ
fsr-3365	15	16	women	woman	NOUN
fsr-3365	15	17	in	in	ADP
fsr-3365	15	18	their	their	PRON
fsr-3365	15	19	later	later	ADJ
fsr-3365	15	20	years	year	NOUN
fsr-3365	15	21	.	.	PUNCT
fsr-3365	16	1	they	they	PRON
fsr-3365	16	2	employ	employ	VERB
fsr-3365	16	3	a	a	DET
fsr-3365	16	4	new	new	ADJ
fsr-3365	16	5	health	health	NOUN
fsr-3365	16	6	measure	measure	NOUN
fsr-3365	16	7	of	of	ADP
fsr-3365	16	8	a	a	DET
fsr-3365	16	9	22	22	NUM
fsr-3365	16	10	year	year	NOUN
fsr-3365	16	11	sequence	sequence	NOUN
fsr-3365	16	12	of	of	ADP
fsr-3365	16	13	chronic	chronic	ADJ
fsr-3365	16	14	diseases	disease	NOUN
fsr-3365	16	15	.	.	PUNCT
fsr-3365	17	1	using	use	VERB
fsr-3365	17	2	data	datum	NOUN
fsr-3365	17	3	from	from	ADP
fsr-3365	17	4	2,476	2,476	NUM
fsr-3365	17	5	women	woman	NOUN
fsr-3365	17	6	age	age	NOUN
fsr-3365	17	7	50	50	NUM
fsr-3365	17	8	or	or	CCONJ
fsr-3365	17	9	older	old	ADJ
fsr-3365	17	10	from	from	ADP
fsr-3365	17	11	the	the	DET
fsr-3365	17	12	1992–2014	1992–2014	NUM
fsr-3365	17	13	health	health	NOUN
fsr-3365	17	14	and	and	CCONJ
fsr-3365	17	15	retirement	retirement	NOUN
fsr-3365	17	16	study	study	NOUN
fsr-3365	17	17	,	,	PUNCT
fsr-3365	17	18	they	they	PRON
fsr-3365	17	19	find	find	VERB
fsr-3365	17	20	that	that	SCONJ
fsr-3365	17	21	unmarried	unmarried	ADJ
fsr-3365	17	22	women	woman	NOUN
fsr-3365	17	23	have	have	VERB
fsr-3365	17	24	more	more	ADV
fsr-3365	17	25	complicated	complicated	ADJ
fsr-3365	17	26	and	and	CCONJ
fsr-3365	17	27	costly	costly	ADJ
fsr-3365	17	28	health	health	NOUN
fsr-3365	17	29	sequences	sequence	NOUN
fsr-3365	17	30	compared	compare	VERB
fsr-3365	17	31	to	to	ADP
fsr-3365	17	32	married	married	ADJ
fsr-3365	17	33	women	woman	NOUN
fsr-3365	17	34	,	,	PUNCT
fsr-3365	17	35	including	include	VERB
fsr-3365	17	36	multifinancial	multifinancial	ADJ
fsr-3365	17	37	services	service	NOUN
fsr-3365	17	38	review	review	VERB
fsr-3365	17	39	26	26	NUM
fsr-3365	17	40	(	(	PUNCT
fsr-3365	17	41	2017	2017	NUM
fsr-3365	17	42	)	)	PUNCT
fsr-3365	17	43	v	v	NOUN
fsr-3365	17	44	–	–	PUNCT
fsr-3365	17	45	vi	vi	NOUN
fsr-3365	17	46	1057	1057	NUM
fsr-3365	17	47	-	-	SYM
fsr-3365	17	48	0810/17/$	0810/17/$	NUM
fsr-3365	17	49	–	–	PUNCT
fsr-3365	17	50	see	see	VERB
fsr-3365	17	51	front	front	ADJ
fsr-3365	17	52	matter	matter	NOUN
fsr-3365	17	53	©	©	PROPN
fsr-3365	17	54	2017	2017	NUM
fsr-3365	17	55	academy	academy	NOUN
fsr-3365	17	56	of	of	ADP
fsr-3365	17	57	financial	financial	ADJ
fsr-3365	17	58	services	service	NOUN
fsr-3365	17	59	.	.	PUNCT
fsr-3365	18	1	all	all	DET
fsr-3365	18	2	rights	right	NOUN
fsr-3365	18	3	reserved	reserve	VERB
fsr-3365	18	4	.	.	PUNCT
fsr-3365	19	1	morbidity	morbidity	NOUN
fsr-3365	19	2	or	or	CCONJ
fsr-3365	19	3	co	co	NOUN
fsr-3365	19	4	-	-	NOUN
fsr-3365	19	5	morbidity	morbidity	NOUN
fsr-3365	19	6	.	.	PUNCT
fsr-3365	20	1	they	they	PRON
fsr-3365	20	2	also	also	ADV
fsr-3365	20	3	find	find	VERB
fsr-3365	20	4	that	that	SCONJ
fsr-3365	20	5	over	over	ADP
fsr-3365	20	6	the	the	DET
fsr-3365	20	7	22	22	NUM
fsr-3365	20	8	year	year	NOUN
fsr-3365	20	9	period	period	NOUN
fsr-3365	20	10	,	,	PUNCT
fsr-3365	20	11	retirement	retirement	NOUN
fsr-3365	20	12	wealth	wealth	NOUN
fsr-3365	20	13	for	for	ADP
fsr-3365	20	14	unmarried	unmarried	ADJ
fsr-3365	20	15	women	woman	NOUN
fsr-3365	20	16	with	with	ADP
fsr-3365	20	17	costly	costly	ADJ
fsr-3365	20	18	health	health	NOUN
fsr-3365	20	19	sequences	sequence	NOUN
fsr-3365	20	20	is	be	AUX
fsr-3365	20	21	reduced	reduce	VERB
fsr-3365	20	22	by	by	ADP
fsr-3365	20	23	approximately	approximately	ADV
fsr-3365	20	24	$	$	SYM
fsr-3365	20	25	3,600	3,600	NUM
fsr-3365	20	26	to	to	PART
fsr-3365	20	27	$	$	SYM
fsr-3365	20	28	5,400	5,400	NUM
fsr-3365	20	29	annually	annually	ADV
fsr-3365	20	30	.	.	PUNCT
fsr-3365	21	1	the	the	DET
fsr-3365	21	2	fourth	fourth	ADJ
fsr-3365	21	3	article	article	NOUN
fsr-3365	21	4	,	,	PUNCT
fsr-3365	21	5	“	"	PUNCT
fsr-3365	21	6	relation	relation	NOUN
fsr-3365	21	7	between	between	ADP
fsr-3365	21	8	financial	financial	ADJ
fsr-3365	21	9	advisory	advisory	ADJ
fsr-3365	21	10	designations	designation	NOUN
fsr-3365	21	11	and	and	CCONJ
fsr-3365	21	12	finra	finra	PROPN
fsr-3365	21	13	misconduct	misconduct	NOUN
fsr-3365	21	14	”	"	PUNCT
fsr-3365	21	15	is	be	AUX
fsr-3365	21	16	authored	author	VERB
fsr-3365	21	17	by	by	ADP
fsr-3365	21	18	jeffrey	jeffrey	PROPN
fsr-3365	21	19	m.	m.	PROPN
fsr-3365	21	20	camarda	camarda	PROPN
fsr-3365	21	21	of	of	ADP
fsr-3365	21	22	camarda	camarda	PROPN
fsr-3365	21	23	wealth	wealth	NOUN
fsr-3365	21	24	advisory	advisory	NOUN
fsr-3365	21	25	group	group	NOUN
fsr-3365	21	26	.	.	PUNCT
fsr-3365	22	1	this	this	DET
fsr-3365	22	2	study	study	NOUN
fsr-3365	22	3	examines	examine	VERB
fsr-3365	22	4	misconduct	misconduct	NOUN
fsr-3365	22	5	disclosures	disclosure	NOUN
fsr-3365	22	6	of	of	ADP
fsr-3365	22	7	undesignated	undesignated	ADJ
fsr-3365	22	8	vs.	vs.	ADP
fsr-3365	22	9	designated	designate	VERB
fsr-3365	22	10	florida	florida	PROPN
fsr-3365	22	11	securities	security	NOUN
fsr-3365	22	12	salespeople	salesperson	NOUN
fsr-3365	22	13	,	,	PUNCT
fsr-3365	22	14	and	and	CCONJ
fsr-3365	22	15	finds	find	VERB
fsr-3365	22	16	adverse	adverse	ADJ
fsr-3365	22	17	disclosure	disclosure	NOUN
fsr-3365	22	18	materially	materially	ADV
fsr-3365	22	19	decreases	decrease	VERB
fsr-3365	22	20	for	for	ADP
fsr-3365	22	21	designees	designee	NOUN
fsr-3365	22	22	.	.	PUNCT
fsr-3365	23	1	the	the	DET
fsr-3365	23	2	author	author	NOUN
fsr-3365	23	3	finds	find	VERB
fsr-3365	23	4	misconduct	misconduct	NOUN
fsr-3365	23	5	increases	increase	NOUN
fsr-3365	23	6	with	with	ADP
fsr-3365	23	7	males	male	NOUN
fsr-3365	23	8	,	,	PUNCT
fsr-3365	23	9	dual	dual	ADJ
fsr-3365	23	10	investment	investment	NOUN
fsr-3365	23	11	advisor	advisor	NOUN
fsr-3365	23	12	/	/	SYM
fsr-3365	23	13	registered	register	VERB
fsr-3365	23	14	representative	representative	ADJ
fsr-3365	23	15	status	status	NOUN
fsr-3365	23	16	,	,	PUNCT
fsr-3365	23	17	and	and	CCONJ
fsr-3365	23	18	life	life	NOUN
fsr-3365	23	19	insurance	insurance	NOUN
fsr-3365	23	20	sales	sale	NOUN
fsr-3365	23	21	licensure	licensure	NOUN
fsr-3365	23	22	.	.	PUNCT
fsr-3365	24	1	the	the	DET
fsr-3365	24	2	final	final	ADJ
fsr-3365	24	3	article	article	NOUN
fsr-3365	24	4	,	,	PUNCT
fsr-3365	24	5	“	"	PUNCT
fsr-3365	24	6	does	do	AUX
fsr-3365	24	7	the	the	DET
fsr-3365	24	8	source	source	NOUN
fsr-3365	24	9	of	of	ADP
fsr-3365	24	10	cash	cash	NOUN
fsr-3365	24	11	flow	flow	NOUN
fsr-3365	24	12	affect	affect	VERB
fsr-3365	24	13	spending	spending	NOUN
fsr-3365	24	14	versus	versus	ADP
fsr-3365	24	15	saving	saving	NOUN
fsr-3365	24	16	?	?	PUNCT
fsr-3365	24	17	”	"	PUNCT
fsr-3365	24	18	is	be	AUX
fsr-3365	24	19	coauthored	coauthore	VERB
fsr-3365	24	20	by	by	ADP
fsr-3365	24	21	valrie	valrie	NOUN
fsr-3365	24	22	chambers	chamber	NOUN
fsr-3365	24	23	at	at	ADP
fsr-3365	24	24	stetson	stetson	PROPN
fsr-3365	24	25	university	university	PROPN
fsr-3365	24	26	,	,	PUNCT
fsr-3365	24	27	eugene	eugene	NOUN
fsr-3365	24	28	bland	bland	NOUN
fsr-3365	24	29	at	at	ADP
fsr-3365	24	30	texas	texas	PROPN
fsr-3365	24	31	a&m	a&m	PROPN
fsr-3365	24	32	university	university	PROPN
fsr-3365	24	33	–	–	PUNCT
fsr-3365	24	34	corpus	corpus	NOUN
fsr-3365	24	35	christi	christi	PROPN
fsr-3365	24	36	,	,	PUNCT
fsr-3365	24	37	and	and	CCONJ
fsr-3365	24	38	marilyn	marilyn	PROPN
fsr-3365	24	39	spencer	spencer	PROPN
fsr-3365	24	40	at	at	ADP
fsr-3365	24	41	texas	texas	PROPN
fsr-3365	24	42	a&m	a&m	PROPN
fsr-3365	24	43	university	university	PROPN
fsr-3365	24	44	–	–	PUNCT
fsr-3365	24	45	corpus	corpus	NOUN
fsr-3365	24	46	christi	christi	PROPN
fsr-3365	24	47	.	.	PUNCT
fsr-3365	25	1	the	the	DET
fsr-3365	25	2	authors	author	NOUN
fsr-3365	25	3	study	study	VERB
fsr-3365	25	4	whether	whether	SCONJ
fsr-3365	25	5	people	people	NOUN
fsr-3365	25	6	use	use	VERB
fsr-3365	25	7	different	different	ADJ
fsr-3365	25	8	mental	mental	ADJ
fsr-3365	25	9	accounts	account	NOUN
fsr-3365	25	10	for	for	ADP
fsr-3365	25	11	different	different	ADJ
fsr-3365	25	12	types	type	NOUN
fsr-3365	25	13	of	of	ADP
fsr-3365	25	14	hypothetical	hypothetical	ADJ
fsr-3365	25	15	revenue	revenue	NOUN
fsr-3365	25	16	windfalls	windfall	NOUN
fsr-3365	25	17	rather	rather	ADV
fsr-3365	25	18	than	than	ADP
fsr-3365	25	19	viewing	view	VERB
fsr-3365	25	20	them	they	PRON
fsr-3365	25	21	as	as	ADV
fsr-3365	25	22	fungible	fungible	ADJ
fsr-3365	25	23	in	in	ADP
fsr-3365	25	24	their	their	PRON
fsr-3365	25	25	use	use	NOUN
fsr-3365	25	26	consistent	consistent	ADJ
fsr-3365	25	27	with	with	ADP
fsr-3365	25	28	neoclassical	neoclassical	ADJ
fsr-3365	25	29	economics	economic	NOUN
fsr-3365	25	30	.	.	PUNCT
fsr-3365	26	1	they	they	PRON
fsr-3365	26	2	find	find	VERB
fsr-3365	26	3	that	that	SCONJ
fsr-3365	26	4	the	the	DET
fsr-3365	26	5	income	income	NOUN
fsr-3365	26	6	source	source	NOUN
fsr-3365	26	7	sometimes	sometimes	ADV
fsr-3365	26	8	influenced	influence	VERB
fsr-3365	26	9	the	the	DET
fsr-3365	26	10	amount	amount	NOUN
fsr-3365	26	11	spent	spend	VERB
fsr-3365	26	12	/	/	PUNCT
fsr-3365	26	13	saved	save	VERB
fsr-3365	26	14	and	and	CCONJ
fsr-3365	26	15	a	a	DET
fsr-3365	26	16	respondent	respondent	NOUN
fsr-3365	26	17	’s	’s	PART
fsr-3365	26	18	general	general	ADJ
fsr-3365	26	19	default	default	NOUN
fsr-3365	26	20	as	as	ADP
fsr-3365	26	21	a	a	DET
fsr-3365	26	22	spender	spender	NOUN
fsr-3365	26	23	or	or	CCONJ
fsr-3365	26	24	saver	saver	NOUN
fsr-3365	26	25	was	be	AUX
fsr-3365	26	26	highly	highly	ADV
fsr-3365	26	27	significant	significant	ADJ
fsr-3365	26	28	.	.	PUNCT
fsr-3365	27	1	thanks	thank	NOUN
fsr-3365	27	2	to	to	ADP
fsr-3365	27	3	those	those	PRON
fsr-3365	27	4	who	who	PRON
fsr-3365	27	5	make	make	VERB
fsr-3365	27	6	the	the	DET
fsr-3365	27	7	journal	journal	NOUN
fsr-3365	27	8	possible	possible	ADJ
fsr-3365	27	9	,	,	PUNCT
fsr-3365	27	10	especially	especially	ADV
fsr-3365	27	11	the	the	DET
fsr-3365	27	12	referees	referee	NOUN
fsr-3365	27	13	and	and	CCONJ
fsr-3365	27	14	contributing	contribute	VERB
fsr-3365	27	15	authors	author	NOUN
fsr-3365	27	16	.	.	PUNCT
fsr-3365	28	1	over	over	ADP
fsr-3365	28	2	the	the	DET
fsr-3365	28	3	past	past	ADJ
fsr-3365	28	4	year	year	NOUN
fsr-3365	28	5	,	,	PUNCT
fsr-3365	28	6	the	the	DET
fsr-3365	28	7	following	follow	VERB
fsr-3365	28	8	reviewers	reviewer	NOUN
fsr-3365	28	9	provided	provide	VERB
fsr-3365	28	10	excellent	excellent	ADJ
fsr-3365	28	11	reviews	review	NOUN
fsr-3365	28	12	of	of	ADP
fsr-3365	28	13	the	the	DET
fsr-3365	28	14	articles	article	NOUN
fsr-3365	28	15	you	you	PRON
fsr-3365	28	16	enjoyed	enjoy	VERB
fsr-3365	28	17	within	within	ADP
fsr-3365	28	18	the	the	DET
fsr-3365	28	19	pages	page	NOUN
fsr-3365	28	20	of	of	ADP
fsr-3365	28	21	financial	financial	ADJ
fsr-3365	28	22	services	service	NOUN
fsr-3365	28	23	review	review	NOUN
fsr-3365	28	24	.	.	PUNCT
fsr-3365	29	1	i	i	PRON
fsr-3365	29	2	would	would	AUX
fsr-3365	29	3	like	like	VERB
fsr-3365	29	4	to	to	PART
fsr-3365	29	5	send	send	VERB
fsr-3365	29	6	a	a	DET
fsr-3365	29	7	special	special	ADJ
fsr-3365	29	8	thank	thank	NOUN
fsr-3365	29	9	you	you	PRON
fsr-3365	29	10	to	to	ADP
fsr-3365	29	11	the	the	DET
fsr-3365	29	12	many	many	ADJ
fsr-3365	29	13	reviewers	reviewer	NOUN
fsr-3365	29	14	that	that	PRON
fsr-3365	29	15	have	have	AUX
fsr-3365	29	16	significantly	significantly	ADV
fsr-3365	29	17	contributed	contribute	VERB
fsr-3365	29	18	to	to	ADP
fsr-3365	29	19	the	the	DET
fsr-3365	29	20	quality	quality	NOUN
fsr-3365	29	21	of	of	ADP
fsr-3365	29	22	our	our	PRON
fsr-3365	29	23	journal	journal	NOUN
fsr-3365	29	24	by	by	ADP
fsr-3365	29	25	providing	provide	VERB
fsr-3365	29	26	timely	timely	ADJ
fsr-3365	29	27	and	and	CCONJ
fsr-3365	29	28	thorough	thorough	ADJ
fsr-3365	29	29	reviews	review	NOUN
fsr-3365	29	30	of	of	ADP
fsr-3365	29	31	the	the	DET
fsr-3365	29	32	submissions	submission	NOUN
fsr-3365	29	33	to	to	ADP
fsr-3365	29	34	our	our	PRON
fsr-3365	29	35	journal	journal	NOUN
fsr-3365	29	36	.	.	PUNCT
fsr-3365	30	1	please	please	INTJ
fsr-3365	30	2	consider	consider	VERB
fsr-3365	30	3	submission	submission	NOUN
fsr-3365	30	4	to	to	ADP
fsr-3365	30	5	the	the	DET
fsr-3365	30	6	financial	financial	ADJ
fsr-3365	30	7	services	service	NOUN
fsr-3365	30	8	review	review	NOUN
fsr-3365	30	9	and	and	CCONJ
fsr-3365	30	10	rely	rely	VERB
fsr-3365	30	11	on	on	ADP
fsr-3365	30	12	the	the	DET
fsr-3365	30	13	style	style	NOUN
fsr-3365	30	14	information	information	NOUN
fsr-3365	30	15	provided	provide	VERB
fsr-3365	30	16	to	to	PART
fsr-3365	30	17	ease	ease	VERB
fsr-3365	30	18	readability	readability	NOUN
fsr-3365	30	19	and	and	CCONJ
fsr-3365	30	20	streamline	streamline	VERB
fsr-3365	30	21	the	the	DET
fsr-3365	30	22	review	review	NOUN
fsr-3365	30	23	process	process	NOUN
fsr-3365	30	24	.	.	PUNCT
fsr-3365	31	1	the	the	DET
fsr-3365	31	2	journal	journal	NOUN
fsr-3365	31	3	welcomes	welcome	VERB
fsr-3365	31	4	articles	article	NOUN
fsr-3365	31	5	over	over	ADP
fsr-3365	31	6	the	the	DET
fsr-3365	31	7	range	range	NOUN
fsr-3365	31	8	of	of	ADP
fsr-3365	31	9	areas	area	NOUN
fsr-3365	31	10	that	that	PRON
fsr-3365	31	11	comprise	comprise	VERB
fsr-3365	31	12	personal	personal	ADJ
fsr-3365	31	13	financial	financial	ADJ
fsr-3365	31	14	planning	planning	NOUN
fsr-3365	31	15	.	.	PUNCT
fsr-3365	32	1	while	while	SCONJ
fsr-3365	32	2	fsr	fsr	PROPN
fsr-3365	32	3	articles	article	NOUN
fsr-3365	32	4	are	be	AUX
fsr-3365	32	5	certainly	certainly	ADV
fsr-3365	32	6	diverse	diverse	ADJ
fsr-3365	32	7	in	in	ADP
fsr-3365	32	8	terms	term	NOUN
fsr-3365	32	9	of	of	ADP
fsr-3365	32	10	topic	topic	NOUN
fsr-3365	32	11	,	,	PUNCT
fsr-3365	32	12	data	datum	NOUN
fsr-3365	32	13	,	,	PUNCT
fsr-3365	32	14	and	and	CCONJ
fsr-3365	32	15	method	method	NOUN
fsr-3365	32	16	,	,	PUNCT
fsr-3365	32	17	they	they	PRON
fsr-3365	32	18	are	be	AUX
fsr-3365	32	19	focused	focus	VERB
fsr-3365	32	20	in	in	ADP
fsr-3365	32	21	terms	term	NOUN
fsr-3365	32	22	of	of	ADP
fsr-3365	32	23	motivation	motivation	NOUN
fsr-3365	32	24	.	.	PUNCT
fsr-3365	33	1	fsr	fsr	PROPN
fsr-3365	33	2	exists	exist	VERB
fsr-3365	33	3	to	to	PART
fsr-3365	33	4	produce	produce	VERB
fsr-3365	33	5	research	research	NOUN
fsr-3365	33	6	that	that	PRON
fsr-3365	33	7	addresses	address	VERB
fsr-3365	33	8	issues	issue	NOUN
fsr-3365	33	9	that	that	PRON
fsr-3365	33	10	matter	matter	VERB
fsr-3365	33	11	to	to	ADP
fsr-3365	33	12	individuals	individual	NOUN
fsr-3365	33	13	.	.	PUNCT
fsr-3365	34	1	i	i	PRON
fsr-3365	34	2	remain	remain	VERB
fsr-3365	34	3	committed	committed	ADJ
fsr-3365	34	4	to	to	ADP
fsr-3365	34	5	the	the	DET
fsr-3365	34	6	goal	goal	NOUN
fsr-3365	34	7	of	of	ADP
fsr-3365	34	8	making	make	VERB
fsr-3365	34	9	financial	financial	ADJ
fsr-3365	34	10	services	service	NOUN
fsr-3365	34	11	review	review	VERB
fsr-3365	34	12	the	the	DET
fsr-3365	34	13	best	good	ADJ
fsr-3365	34	14	academic	academic	ADJ
fsr-3365	34	15	journal	journal	NOUN
fsr-3365	34	16	in	in	ADP
fsr-3365	34	17	individual	individual	ADJ
fsr-3365	34	18	financial	financial	ADJ
fsr-3365	34	19	management	management	NOUN
fsr-3365	34	20	and	and	CCONJ
fsr-3365	34	21	personal	personal	ADJ
fsr-3365	34	22	financial	financial	ADJ
fsr-3365	34	23	planning	planning	NOUN
fsr-3365	34	24	.	.	PUNCT
fsr-3365	35	1	best	good	ADJ
fsr-3365	35	2	regards	regard	VERB
fsr-3365	35	3	,	,	PUNCT
fsr-3365	35	4	stuart	stuart	PROPN
fsr-3365	35	5	michelson	michelson	PROPN
fsr-3365	35	6	editor	editor	PROPN
fsr-3365	35	7	financial	financial	PROPN
fsr-3365	35	8	services	services	PROPN
fsr-3365	35	9	review	review	VERB
fsr-3365	35	10	vi	vi	PROPN
fsr-3365	35	11	editorial	editorial	NOUN
fsr-3365	35	12	/	/	SYM
fsr-3365	35	13	financial	financial	ADJ
fsr-3365	35	14	services	service	NOUN
fsr-3365	35	15	review	review	VERB
fsr-3365	35	16	26	26	NUM
fsr-3365	35	17	(	(	PUNCT
fsr-3365	35	18	2017	2017	NUM
fsr-3365	35	19	)	)	PUNCT
fsr-3365	35	20	v	v	NOUN
fsr-3365	35	21	–	–	PUNCT
fsr-3365	35	22	vi	vi	NOUN