id	sid	tid	token	lemma	pos
fsr-3390	1	1	who	who	PRON
fsr-3390	1	2	uses	use	VERB
fsr-3390	1	3	robo	robo	NOUN
fsr-3390	1	4	-	-	PUNCT
fsr-3390	1	5	advisory	advisory	ADJ
fsr-3390	1	6	services	service	NOUN
fsr-3390	1	7	,	,	PUNCT
fsr-3390	1	8	and	and	CCONJ
fsr-3390	1	9	who	who	PRON
fsr-3390	1	10	does	do	VERB
fsr-3390	1	11	not	not	PART
fsr-3390	1	12	?	?	PUNCT
fsr-3390	2	1	martha	martha	PROPN
fsr-3390	2	2	fulka	fulka	PROPN
fsr-3390	2	3	,	,	PUNCT
fsr-3390	2	4	*	*	PROPN
fsr-3390	2	5	,	,	PUNCT
fsr-3390	2	6	john	john	PROPN
fsr-3390	2	7	e.	e.	PROPN
fsr-3390	2	8	grable	grable	PROPN
fsr-3390	2	9	,	,	PUNCT
fsr-3390	2	10	ph.d	ph.d	PROPN
fsr-3390	2	11	.	.	PROPN
fsr-3390	2	12	,	,	PUNCT
fsr-3390	2	13	cfpa	cfpa	PROPN
fsr-3390	2	14	,	,	PUNCT
fsr-3390	2	15	kimberly	kimberly	ADV
fsr-3390	2	16	watkinsa	watkinsa	PROPN
fsr-3390	2	17	,	,	PUNCT
fsr-3390	2	18	michelle	michelle	PROPN
fsr-3390	2	19	krugera	krugera	PROPN
fsr-3390	2	20	auniversity	auniversity	PROPN
fsr-3390	2	21	of	of	ADP
fsr-3390	2	22	georgia	georgia	PROPN
fsr-3390	2	23	,	,	PUNCT
fsr-3390	2	24	300	300	NUM
fsr-3390	2	25	dawson	dawson	PROPN
fsr-3390	2	26	hall	hall	PROPN
fsr-3390	2	27	,	,	PUNCT
fsr-3390	2	28	athens	athens	PROPN
fsr-3390	2	29	,	,	PUNCT
fsr-3390	2	30	ga	ga	PROPN
fsr-3390	2	31	30602	30602	NUM
fsr-3390	2	32	,	,	PUNCT
fsr-3390	2	33	usa	usa	PROPN
fsr-3390	2	34	abstract	abstract	NOUN
fsr-3390	2	35	the	the	DET
fsr-3390	2	36	purpose	purpose	NOUN
fsr-3390	2	37	of	of	ADP
fsr-3390	2	38	this	this	DET
fsr-3390	2	39	study	study	NOUN
fsr-3390	2	40	was	be	AUX
fsr-3390	2	41	to	to	PART
fsr-3390	2	42	compare	compare	VERB
fsr-3390	2	43	the	the	DET
fsr-3390	2	44	demographic	demographic	ADJ
fsr-3390	2	45	,	,	PUNCT
fsr-3390	2	46	attitudinal	attitudinal	ADJ
fsr-3390	2	47	,	,	PUNCT
fsr-3390	2	48	and	and	CCONJ
fsr-3390	2	49	behavioral	behavioral	ADJ
fsr-3390	2	50	characteristics	characteristic	NOUN
fsr-3390	2	51	of	of	ADP
fsr-3390	2	52	u.s	u.s	PROPN
fsr-3390	2	53	.	.	PROPN
fsr-3390	2	54	consumers	consumer	NOUN
fsr-3390	2	55	in	in	ADP
fsr-3390	2	56	their	their	PRON
fsr-3390	2	57	current	current	ADJ
fsr-3390	2	58	and	and	CCONJ
fsr-3390	2	59	expected	expect	VERB
fsr-3390	2	60	use	use	NOUN
fsr-3390	2	61	of	of	ADP
fsr-3390	2	62	robo	robo	NOUN
fsr-3390	2	63	-	-	PUNCT
fsr-3390	2	64	advisory	advisory	ADJ
fsr-3390	2	65	services	service	NOUN
fsr-3390	2	66	,	,	PUNCT
fsr-3390	2	67	traditional	traditional	ADJ
fsr-3390	2	68	financial	financial	ADJ
fsr-3390	2	69	planning	planning	NOUN
fsr-3390	2	70	services	service	NOUN
fsr-3390	2	71	,	,	PUNCT
fsr-3390	2	72	or	or	CCONJ
fsr-3390	2	73	a	a	DET
fsr-3390	2	74	combination	combination	NOUN
fsr-3390	2	75	of	of	ADP
fsr-3390	2	76	the	the	DET
fsr-3390	2	77	two	two	NUM
fsr-3390	2	78	services	service	NOUN
fsr-3390	2	79	.	.	PUNCT
fsr-3390	3	1	findings	finding	NOUN
fsr-3390	3	2	showed	show	VERB
fsr-3390	3	3	a	a	DET
fsr-3390	3	4	difference	difference	NOUN
fsr-3390	3	5	between	between	ADP
fsr-3390	3	6	those	those	PRON
fsr-3390	3	7	who	who	PRON
fsr-3390	3	8	used	use	VERB
fsr-3390	3	9	robo	robo	NOUN
fsr-3390	3	10	-	-	PUNCT
fsr-3390	3	11	advisory	advisory	NOUN
fsr-3390	3	12	services	service	NOUN
fsr-3390	3	13	and	and	CCONJ
fsr-3390	3	14	those	those	PRON
fsr-3390	3	15	who	who	PRON
fsr-3390	3	16	used	use	VERB
fsr-3390	3	17	traditional	traditional	ADJ
fsr-3390	3	18	financial	financial	ADJ
fsr-3390	3	19	planning	planning	NOUN
fsr-3390	3	20	services	service	NOUN
fsr-3390	3	21	.	.	PUNCT
fsr-3390	4	1	overall	overall	ADV
fsr-3390	4	2	,	,	PUNCT
fsr-3390	4	3	those	those	PRON
fsr-3390	4	4	who	who	PRON
fsr-3390	4	5	used	use	VERB
fsr-3390	4	6	a	a	DET
fsr-3390	4	7	traditional	traditional	ADJ
fsr-3390	4	8	financial	financial	ADJ
fsr-3390	4	9	planner	planner	NOUN
fsr-3390	4	10	were	be	AUX
fsr-3390	4	11	older	old	ADJ
fsr-3390	4	12	and	and	CCONJ
fsr-3390	4	13	reported	report	VERB
fsr-3390	4	14	higher	high	ADJ
fsr-3390	4	15	levels	level	NOUN
fsr-3390	4	16	of	of	ADP
fsr-3390	4	17	net	net	ADJ
fsr-3390	4	18	worth	worth	NOUN
fsr-3390	4	19	,	,	PUNCT
fsr-3390	4	20	while	while	SCONJ
fsr-3390	4	21	users	user	NOUN
fsr-3390	4	22	of	of	ADP
fsr-3390	4	23	robo	robo	NOUN
fsr-3390	4	24	-	-	PUNCT
fsr-3390	4	25	advisors	advisor	NOUN
fsr-3390	4	26	,	,	PUNCT
fsr-3390	4	27	on	on	ADP
fsr-3390	4	28	average	average	ADJ
fsr-3390	4	29	,	,	PUNCT
fsr-3390	4	30	reported	report	VERB
fsr-3390	4	31	lower	low	ADJ
fsr-3390	4	32	levels	level	NOUN
fsr-3390	4	33	of	of	ADP
fsr-3390	4	34	net	net	ADJ
fsr-3390	4	35	worth	worth	NOUN
fsr-3390	4	36	.	.	PUNCT
fsr-3390	5	1	in	in	ADP
fsr-3390	5	2	addition	addition	NOUN
fsr-3390	5	3	,	,	PUNCT
fsr-3390	5	4	those	those	PRON
fsr-3390	5	5	who	who	PRON
fsr-3390	5	6	used	use	VERB
fsr-3390	5	7	traditional	traditional	ADJ
fsr-3390	5	8	financial	financial	ADJ
fsr-3390	5	9	planning	planning	NOUN
fsr-3390	5	10	services	service	NOUN
fsr-3390	5	11	reported	report	VERB
fsr-3390	5	12	a	a	DET
fsr-3390	5	13	larger	large	ADJ
fsr-3390	5	14	percentage	percentage	NOUN
fsr-3390	5	15	of	of	ADP
fsr-3390	5	16	their	their	PRON
fsr-3390	5	17	total	total	ADJ
fsr-3390	5	18	net	net	ADJ
fsr-3390	5	19	worth	worth	NOUN
fsr-3390	5	20	from	from	ADP
fsr-3390	5	21	an	an	DET
fsr-3390	5	22	inheritance	inheritance	NOUN
fsr-3390	5	23	,	,	PUNCT
fsr-3390	5	24	whereas	whereas	SCONJ
fsr-3390	5	25	a	a	DET
fsr-3390	5	26	lower	low	ADJ
fsr-3390	5	27	percentage	percentage	NOUN
fsr-3390	5	28	of	of	ADP
fsr-3390	5	29	net	net	ADJ
fsr-3390	5	30	worth	worth	NOUN
fsr-3390	5	31	from	from	ADP
fsr-3390	5	32	an	an	DET
fsr-3390	5	33	inheritance	inheritance	NOUN
fsr-3390	5	34	was	be	AUX
fsr-3390	5	35	reported	report	VERB
fsr-3390	5	36	by	by	ADP
fsr-3390	5	37	robo	robo	NOUN
fsr-3390	5	38	-	-	PUNCT
fsr-3390	5	39	advisor	advisor	NOUN
fsr-3390	5	40	users	user	NOUN
fsr-3390	5	41	.	.	PUNCT
fsr-3390	6	1	results	result	NOUN
fsr-3390	6	2	showed	show	VERB
fsr-3390	6	3	that	that	SCONJ
fsr-3390	6	4	users	user	NOUN
fsr-3390	6	5	of	of	ADP
fsr-3390	6	6	robo	robo	NOUN
fsr-3390	6	7	-	-	PUNCT
fsr-3390	6	8	advisory	advisory	ADJ
fsr-3390	6	9	services	service	NOUN
fsr-3390	6	10	generally	generally	ADV
fsr-3390	6	11	(	(	PUNCT
fsr-3390	6	12	1	1	X
fsr-3390	6	13	)	)	PUNCT
fsr-3390	6	14	had	have	VERB
fsr-3390	6	15	lower	low	ADJ
fsr-3390	6	16	income	income	NOUN
fsr-3390	6	17	,	,	PUNCT
fsr-3390	6	18	(	(	PUNCT
fsr-3390	6	19	2	2	X
fsr-3390	6	20	)	)	PUNCT
fsr-3390	6	21	had	have	VERB
fsr-3390	6	22	lower	low	ADJ
fsr-3390	6	23	net	net	ADJ
fsr-3390	6	24	worth	worth	NOUN
fsr-3390	6	25	,	,	PUNCT
fsr-3390	6	26	(	(	PUNCT
fsr-3390	6	27	3	3	X
fsr-3390	6	28	)	)	PUNCT
fsr-3390	6	29	had	have	AUX
fsr-3390	6	30	received	receive	VERB
fsr-3390	6	31	no	no	DET
fsr-3390	6	32	or	or	CCONJ
fsr-3390	6	33	less	less	ADJ
fsr-3390	6	34	inheritance	inheritance	NOUN
fsr-3390	6	35	,	,	PUNCT
fsr-3390	6	36	and	and	CCONJ
fsr-3390	6	37	(	(	PUNCT
fsr-3390	6	38	4	4	X
fsr-3390	6	39	)	)	PUNCT
fsr-3390	6	40	were	be	AUX
fsr-3390	6	41	less	less	ADV
fsr-3390	6	42	impulsive	impulsive	ADJ
fsr-3390	6	43	financially	financially	ADV
fsr-3390	6	44	.	.	PUNCT
fsr-3390	7	1	©	©	PROPN
fsr-3390	7	2	2018	2018	NUM
fsr-3390	7	3	academy	academy	NOUN
fsr-3390	7	4	of	of	ADP
fsr-3390	7	5	financial	financial	ADJ
fsr-3390	7	6	services	service	NOUN
fsr-3390	7	7	.	.	PUNCT
fsr-3390	8	1	all	all	DET
fsr-3390	8	2	rights	right	NOUN
fsr-3390	8	3	reserved	reserve	VERB
fsr-3390	8	4	.	.	PUNCT
fsr-3390	9	1	keywords	keyword	NOUN
fsr-3390	9	2	:	:	PUNCT
fsr-3390	9	3	financial	financial	ADJ
fsr-3390	9	4	planning	planning	NOUN
fsr-3390	9	5	;	;	PUNCT
fsr-3390	9	6	financial	financial	ADJ
fsr-3390	9	7	planner	planner	NOUN
fsr-3390	9	8	;	;	PUNCT
fsr-3390	9	9	robo	robo	NOUN
fsr-3390	9	10	-	-	PUNCT
fsr-3390	9	11	advisory	advisory	ADJ
fsr-3390	9	12	services	service	NOUN
fsr-3390	9	13	;	;	PUNCT
fsr-3390	9	14	robo	robo	NOUN
fsr-3390	9	15	-	-	PUNCT
fsr-3390	9	16	advisor	advisor	NOUN
fsr-3390	9	17	1	1	NUM
fsr-3390	9	18	.	.	PUNCT
fsr-3390	9	19	introduction	introduction	NOUN
fsr-3390	9	20	the	the	DET
fsr-3390	9	21	term	term	NOUN
fsr-3390	9	22	“	"	PUNCT
fsr-3390	9	23	robo	robo	NOUN
fsr-3390	9	24	-	-	PUNCT
fsr-3390	9	25	advisor	advisor	NOUN
fsr-3390	9	26	”	"	PUNCT
fsr-3390	9	27	encompasses	encompass	VERB
fsr-3390	9	28	any	any	DET
fsr-3390	9	29	automated	automate	VERB
fsr-3390	9	30	investment	investment	NOUN
fsr-3390	9	31	or	or	CCONJ
fsr-3390	9	32	financial	financial	ADJ
fsr-3390	9	33	planning	planning	NOUN
fsr-3390	9	34	service	service	NOUN
fsr-3390	9	35	that	that	PRON
fsr-3390	9	36	is	be	AUX
fsr-3390	9	37	designed	design	VERB
fsr-3390	9	38	to	to	PART
fsr-3390	9	39	appeal	appeal	VERB
fsr-3390	9	40	to	to	ADP
fsr-3390	9	41	the	the	DET
fsr-3390	9	42	mass	mass	ADJ
fsr-3390	9	43	market	market	NOUN
fsr-3390	9	44	by	by	ADP
fsr-3390	9	45	providing	provide	VERB
fsr-3390	9	46	easy	easy	ADJ
fsr-3390	9	47	and	and	CCONJ
fsr-3390	9	48	inexpensive	inexpensive	ADJ
fsr-3390	9	49	access	access	NOUN
fsr-3390	9	50	to	to	ADP
fsr-3390	9	51	financial	financial	ADJ
fsr-3390	9	52	information	information	NOUN
fsr-3390	9	53	,	,	PUNCT
fsr-3390	9	54	advice	advice	NOUN
fsr-3390	9	55	,	,	PUNCT
fsr-3390	9	56	products	product	NOUN
fsr-3390	9	57	,	,	PUNCT
fsr-3390	9	58	and	and	CCONJ
fsr-3390	9	59	services	service	NOUN
fsr-3390	9	60	(	(	PUNCT
fsr-3390	9	61	berger	berger	PROPN
fsr-3390	9	62	,	,	PUNCT
fsr-3390	9	63	2015	2015	NUM
fsr-3390	9	64	)	)	PUNCT
fsr-3390	9	65	.	.	PUNCT
fsr-3390	10	1	those	those	PRON
fsr-3390	10	2	who	who	PRON
fsr-3390	10	3	promote	promote	VERB
fsr-3390	10	4	the	the	DET
fsr-3390	10	5	value	value	NOUN
fsr-3390	10	6	and	and	CCONJ
fsr-3390	10	7	use	use	NOUN
fsr-3390	10	8	of	of	ADP
fsr-3390	10	9	robo	robo	NOUN
fsr-3390	10	10	-	-	PUNCT
fsr-3390	10	11	advisors	advisor	NOUN
fsr-3390	10	12	point	point	NOUN
fsr-3390	10	13	to	to	ADP
fsr-3390	10	14	the	the	DET
fsr-3390	10	15	following	follow	VERB
fsr-3390	10	16	features	feature	NOUN
fsr-3390	10	17	:	:	PUNCT
fsr-3390	10	18	*	*	PUNCT
fsr-3390	10	19	corresponding	correspond	VERB
fsr-3390	10	20	author	author	NOUN
fsr-3390	10	21	.	.	PUNCT
fsr-3390	11	1	tel	tel	PROPN
fsr-3390	11	2	.	.	PUNCT
fsr-3390	11	3	:	:	PUNCT
fsr-3390	11	4	�	�	PROPN
fsr-3390	11	5	1	1	NUM
fsr-3390	11	6	-	-	SYM
fsr-3390	11	7	706	706	NUM
fsr-3390	11	8	-	-	PUNCT
fsr-3390	11	9	542	542	NUM
fsr-3390	11	10	-	-	SYM
fsr-3390	11	11	4758	4758	NUM
fsr-3390	11	12	;	;	PUNCT
fsr-3390	11	13	fax	fax	NOUN
fsr-3390	11	14	:	:	PUNCT
fsr-3390	11	15	�	�	PROPN
fsr-3390	11	16	1	1	NUM
fsr-3390	11	17	-	-	SYM
fsr-3390	11	18	706	706	NUM
fsr-3390	11	19	-	-	PUNCT
fsr-3390	11	20	542	542	NUM
fsr-3390	11	21	-	-	PUNCT
fsr-3390	11	22	4397	4397	NUM
fsr-3390	11	23	.	.	PUNCT
fsr-3390	12	1	e	e	X
fsr-3390	12	2	-	-	NOUN
fsr-3390	12	3	mail	mail	NOUN
fsr-3390	12	4	address	address	NOUN
fsr-3390	12	5	:	:	PUNCT
fsr-3390	12	6	mfulk@uga.edu	mfulk@uga.edu	PROPN
fsr-3390	12	7	(	(	PUNCT
fsr-3390	12	8	m.	m.	NOUN
fsr-3390	12	9	fulk	fulk	PROPN
fsr-3390	12	10	)	)	PUNCT
fsr-3390	12	11	financial	financial	ADJ
fsr-3390	12	12	services	service	NOUN
fsr-3390	12	13	review	review	VERB
fsr-3390	12	14	27	27	NUM
fsr-3390	12	15	(	(	PUNCT
fsr-3390	12	16	2018	2018	NUM
fsr-3390	12	17	)	)	PUNCT
fsr-3390	12	18	173	173	NUM
fsr-3390	12	19	-	-	SYM
fsr-3390	12	20	188	188	NUM
fsr-3390	12	21	1057	1057	NUM
fsr-3390	12	22	-	-	SYM
fsr-3390	12	23	0810/18/$	0810/18/$	NUM
fsr-3390	12	24	–	–	PUNCT
fsr-3390	12	25	see	see	VERB
fsr-3390	12	26	front	front	ADJ
fsr-3390	12	27	matter	matter	NOUN
fsr-3390	12	28	©	©	PROPN
fsr-3390	12	29	2018	2018	NUM
fsr-3390	12	30	academy	academy	NOUN
fsr-3390	12	31	of	of	ADP
fsr-3390	12	32	financial	financial	ADJ
fsr-3390	12	33	services	service	NOUN
fsr-3390	12	34	.	.	PUNCT
fsr-3390	13	1	all	all	DET
fsr-3390	13	2	rights	right	NOUN
fsr-3390	13	3	reserved	reserve	VERB
fsr-3390	13	4	.	.	PUNCT
fsr-3390	14	1	1	1	X
fsr-3390	14	2	.	.	X
fsr-3390	14	3	costs	cost	NOUN
fsr-3390	14	4	tend	tend	VERB
fsr-3390	14	5	to	to	PART
fsr-3390	14	6	be	be	AUX
fsr-3390	14	7	lower	low	ADJ
fsr-3390	14	8	than	than	ADP
fsr-3390	14	9	what	what	PRON
fsr-3390	14	10	a	a	DET
fsr-3390	14	11	consumer	consumer	NOUN
fsr-3390	14	12	would	would	AUX
fsr-3390	14	13	pay	pay	VERB
fsr-3390	14	14	for	for	ADP
fsr-3390	14	15	services	service	NOUN
fsr-3390	14	16	provided	provide	VERB
fsr-3390	14	17	by	by	ADP
fsr-3390	14	18	a	a	DET
fsr-3390	14	19	traditional	traditional	ADJ
fsr-3390	14	20	financial	financial	ADJ
fsr-3390	14	21	planner	planner	NOUN
fsr-3390	14	22	(	(	PUNCT
fsr-3390	14	23	investment	investment	NOUN
fsr-3390	14	24	management	management	NOUN
fsr-3390	14	25	services	service	NOUN
fsr-3390	14	26	generally	generally	ADV
fsr-3390	14	27	top	top	VERB
fsr-3390	14	28	out	out	ADP
fsr-3390	14	29	at	at	ADP
fsr-3390	14	30	50	50	NUM
fsr-3390	14	31	basis	basis	NOUN
fsr-3390	14	32	points	point	NOUN
fsr-3390	14	33	for	for	ADP
fsr-3390	14	34	robo	robo	NOUN
fsr-3390	14	35	-	-	PUNCT
fsr-3390	14	36	advisors	advisor	NOUN
fsr-3390	14	37	)	)	PUNCT
fsr-3390	14	38	;	;	PUNCT
fsr-3390	14	39	2	2	X
fsr-3390	14	40	.	.	X
fsr-3390	14	41	investment	investment	NOUN
fsr-3390	14	42	recommendations	recommendation	NOUN
fsr-3390	14	43	are	be	AUX
fsr-3390	14	44	generally	generally	ADV
fsr-3390	14	45	implemented	implement	VERB
fsr-3390	14	46	using	use	VERB
fsr-3390	14	47	low	low	ADJ
fsr-3390	14	48	-	-	PUNCT
fsr-3390	14	49	cost	cost	NOUN
fsr-3390	14	50	exchange	exchange	NOUN
fsr-3390	14	51	traded	trade	VERB
fsr-3390	14	52	funds	fund	NOUN
fsr-3390	14	53	(	(	PUNCT
fsr-3390	14	54	etfs	etfs	PROPN
fsr-3390	14	55	)	)	PUNCT
fsr-3390	14	56	,	,	PUNCT
fsr-3390	14	57	which	which	PRON
fsr-3390	14	58	helps	help	VERB
fsr-3390	14	59	keep	keep	VERB
fsr-3390	14	60	annual	annual	ADJ
fsr-3390	14	61	management	management	NOUN
fsr-3390	14	62	expenses	expense	NOUN
fsr-3390	14	63	low	low	ADJ
fsr-3390	14	64	;	;	PUNCT
fsr-3390	14	65	3	3	X
fsr-3390	14	66	.	.	X
fsr-3390	15	1	all	all	DET
fsr-3390	15	2	aspects	aspect	NOUN
fsr-3390	15	3	of	of	ADP
fsr-3390	15	4	the	the	DET
fsr-3390	15	5	investing	investing	NOUN
fsr-3390	15	6	process	process	NOUN
fsr-3390	15	7	,	,	PUNCT
fsr-3390	15	8	from	from	ADP
fsr-3390	15	9	risk	risk	NOUN
fsr-3390	15	10	assessment	assessment	NOUN
fsr-3390	15	11	to	to	ADP
fsr-3390	15	12	ongoing	ongoing	ADJ
fsr-3390	15	13	rebalancing	rebalancing	NOUN
fsr-3390	15	14	,	,	PUNCT
fsr-3390	15	15	are	be	AUX
fsr-3390	15	16	completed	complete	VERB
fsr-3390	15	17	quickly	quickly	ADV
fsr-3390	15	18	;	;	PUNCT
fsr-3390	15	19	4	4	X
fsr-3390	15	20	.	.	X
fsr-3390	15	21	nearly	nearly	ADV
fsr-3390	15	22	all	all	PRON
fsr-3390	15	23	robo	robo	NOUN
fsr-3390	15	24	-	-	PUNCT
fsr-3390	15	25	advisors	advisor	NOUN
fsr-3390	15	26	provide	provide	VERB
fsr-3390	15	27	tax	tax	NOUN
fsr-3390	15	28	tracking	tracking	NOUN
fsr-3390	15	29	features	feature	NOUN
fsr-3390	15	30	;	;	PUNCT
fsr-3390	15	31	and	and	CCONJ
fsr-3390	15	32	5	5	X
fsr-3390	15	33	.	.	X
fsr-3390	15	34	access	access	NOUN
fsr-3390	15	35	to	to	ADP
fsr-3390	15	36	financial	financial	ADJ
fsr-3390	15	37	and	and	CCONJ
fsr-3390	15	38	other	other	ADJ
fsr-3390	15	39	information	information	NOUN
fsr-3390	15	40	is	be	AUX
fsr-3390	15	41	easily	easily	ADV
fsr-3390	15	42	and	and	CCONJ
fsr-3390	15	43	quickly	quickly	ADV
fsr-3390	15	44	accessible	accessible	ADJ
fsr-3390	15	45	.	.	PUNCT
fsr-3390	16	1	some	some	PRON
fsr-3390	16	2	of	of	ADP
fsr-3390	16	3	the	the	DET
fsr-3390	16	4	primary	primary	ADJ
fsr-3390	16	5	arguments	argument	NOUN
fsr-3390	16	6	against	against	ADP
fsr-3390	16	7	the	the	DET
fsr-3390	16	8	use	use	NOUN
fsr-3390	16	9	of	of	ADP
fsr-3390	16	10	robo	robo	NOUN
fsr-3390	16	11	-	-	PUNCT
fsr-3390	16	12	advisors	advisor	NOUN
fsr-3390	16	13	include	include	VERB
fsr-3390	16	14	:	:	PUNCT
fsr-3390	16	15	1	1	X
fsr-3390	16	16	.	.	X
fsr-3390	16	17	lack	lack	NOUN
fsr-3390	16	18	of	of	ADP
fsr-3390	16	19	flexibility	flexibility	NOUN
fsr-3390	16	20	;	;	PUNCT
fsr-3390	16	21	2	2	X
fsr-3390	16	22	.	.	NOUN
fsr-3390	16	23	lack	lack	NOUN
fsr-3390	16	24	of	of	ADP
fsr-3390	16	25	personalization	personalization	NOUN
fsr-3390	16	26	to	to	ADP
fsr-3390	16	27	a	a	DET
fsr-3390	16	28	client	client	NOUN
fsr-3390	16	29	’s	’s	PART
fsr-3390	16	30	unique	unique	ADJ
fsr-3390	16	31	needs	need	NOUN
fsr-3390	16	32	or	or	CCONJ
fsr-3390	16	33	desires	desire	NOUN
fsr-3390	16	34	;	;	PUNCT
fsr-3390	16	35	and	and	CCONJ
fsr-3390	17	1	3	3	X
fsr-3390	17	2	.	.	NOUN
fsr-3390	18	1	lack	lack	NOUN
fsr-3390	18	2	of	of	ADP
fsr-3390	18	3	personal	personal	ADJ
fsr-3390	18	4	interaction	interaction	NOUN
fsr-3390	18	5	and	and	CCONJ
fsr-3390	18	6	relationship	relationship	NOUN
fsr-3390	18	7	with	with	ADP
fsr-3390	18	8	a	a	DET
fsr-3390	18	9	financial	financial	ADJ
fsr-3390	18	10	planner	planner	NOUN
fsr-3390	18	11	.	.	PUNCT
fsr-3390	19	1	the	the	DET
fsr-3390	19	2	value	value	NOUN
fsr-3390	19	3	provided	provide	VERB
fsr-3390	19	4	by	by	ADP
fsr-3390	19	5	robo	robo	NOUN
fsr-3390	19	6	-	-	PUNCT
fsr-3390	19	7	advisors	advisor	NOUN
fsr-3390	19	8	can	can	AUX
fsr-3390	19	9	be	be	AUX
fsr-3390	19	10	gauged	gauge	VERB
fsr-3390	19	11	,	,	PUNCT
fsr-3390	19	12	in	in	ADP
fsr-3390	19	13	part	part	NOUN
fsr-3390	19	14	,	,	PUNCT
fsr-3390	19	15	by	by	ADP
fsr-3390	19	16	the	the	DET
fsr-3390	19	17	growth	growth	NOUN
fsr-3390	19	18	in	in	ADP
fsr-3390	19	19	assets	asset	NOUN
fsr-3390	19	20	under	under	ADP
fsr-3390	19	21	management	management	NOUN
fsr-3390	19	22	among	among	ADP
fsr-3390	19	23	robo	robo	NOUN
fsr-3390	19	24	-	-	PUNCT
fsr-3390	19	25	advisory	advisory	ADJ
fsr-3390	19	26	firms	firm	NOUN
fsr-3390	19	27	.	.	PUNCT
fsr-3390	20	1	according	accord	VERB
fsr-3390	20	2	to	to	ADP
fsr-3390	20	3	research	research	NOUN
fsr-3390	20	4	disseminated	disseminate	VERB
fsr-3390	20	5	by	by	ADP
fsr-3390	20	6	a.	a.	NOUN
fsr-3390	20	7	t.	t.	PROPN
fsr-3390	20	8	kearney	kearney	PROPN
fsr-3390	20	9	(	(	PUNCT
fsr-3390	20	10	2015	2015	NUM
fsr-3390	20	11	)	)	PUNCT
fsr-3390	20	12	,	,	PUNCT
fsr-3390	20	13	assets	asset	NOUN
fsr-3390	20	14	under	under	ADP
fsr-3390	20	15	management	management	NOUN
fsr-3390	20	16	held	hold	VERB
fsr-3390	20	17	at	at	ADP
fsr-3390	20	18	robo	robo	NOUN
fsr-3390	20	19	-	-	PUNCT
fsr-3390	20	20	advisory	advisory	ADJ
fsr-3390	20	21	firms	firm	NOUN
fsr-3390	20	22	in	in	ADP
fsr-3390	20	23	2016	2016	NUM
fsr-3390	20	24	exceeded	exceed	VERB
fsr-3390	20	25	$	$	SYM
fsr-3390	20	26	300	300	NUM
fsr-3390	20	27	billion	billion	NUM
fsr-3390	20	28	.	.	PUNCT
fsr-3390	21	1	this	this	DET
fsr-3390	21	2	figure	figure	NOUN
fsr-3390	21	3	is	be	AUX
fsr-3390	21	4	expected	expect	VERB
fsr-3390	21	5	to	to	PART
fsr-3390	21	6	increase	increase	VERB
fsr-3390	21	7	to	to	ADP
fsr-3390	21	8	more	more	ADJ
fsr-3390	21	9	than	than	ADP
fsr-3390	21	10	$	$	SYM
fsr-3390	21	11	2	2	NUM
fsr-3390	21	12	trillion	trillion	NUM
fsr-3390	21	13	by	by	ADP
fsr-3390	21	14	2020	2020	NUM
fsr-3390	21	15	.	.	PUNCT
fsr-3390	22	1	if	if	SCONJ
fsr-3390	22	2	the	the	DET
fsr-3390	22	3	growth	growth	NOUN
fsr-3390	22	4	projection	projection	NOUN
fsr-3390	22	5	holds	hold	VERB
fsr-3390	22	6	true	true	ADJ
fsr-3390	22	7	,	,	PUNCT
fsr-3390	22	8	this	this	PRON
fsr-3390	22	9	will	will	AUX
fsr-3390	22	10	signal	signal	VERB
fsr-3390	22	11	a	a	DET
fsr-3390	22	12	significant	significant	ADJ
fsr-3390	22	13	shift	shift	NOUN
fsr-3390	22	14	from	from	ADP
fsr-3390	22	15	traditional	traditional	ADJ
fsr-3390	22	16	human	human	ADJ
fsr-3390	22	17	interfacing	interface	VERB
fsr-3390	22	18	services	service	NOUN
fsr-3390	22	19	to	to	ADP
fsr-3390	22	20	one	one	NUM
fsr-3390	22	21	that	that	PRON
fsr-3390	22	22	includes	include	VERB
fsr-3390	22	23	an	an	DET
fsr-3390	22	24	increasingly	increasingly	ADV
fsr-3390	22	25	significant	significant	ADJ
fsr-3390	22	26	role	role	NOUN
fsr-3390	22	27	for	for	ADP
fsr-3390	22	28	automated	automate	VERB
fsr-3390	22	29	advice	advice	NOUN
fsr-3390	22	30	.	.	PUNCT
fsr-3390	23	1	although	although	SCONJ
fsr-3390	23	2	little	little	ADJ
fsr-3390	23	3	is	be	AUX
fsr-3390	23	4	known	know	VERB
fsr-3390	23	5	about	about	ADP
fsr-3390	23	6	the	the	DET
fsr-3390	23	7	types	type	NOUN
fsr-3390	23	8	of	of	ADP
fsr-3390	23	9	people	people	NOUN
fsr-3390	23	10	drawn	draw	VERB
fsr-3390	23	11	to	to	ADP
fsr-3390	23	12	robo	robo	NOUN
fsr-3390	23	13	-	-	PUNCT
fsr-3390	23	14	advisory	advisory	ADJ
fsr-3390	23	15	services	service	NOUN
fsr-3390	23	16	,	,	PUNCT
fsr-3390	23	17	nearly	nearly	ADV
fsr-3390	23	18	all	all	DET
fsr-3390	23	19	indicators	indicator	NOUN
fsr-3390	23	20	suggest	suggest	VERB
fsr-3390	23	21	that	that	SCONJ
fsr-3390	23	22	adopters	adopter	NOUN
fsr-3390	23	23	of	of	ADP
fsr-3390	23	24	fully	fully	ADV
fsr-3390	23	25	automated	automate	VERB
fsr-3390	23	26	systems	system	NOUN
fsr-3390	23	27	tend	tend	VERB
fsr-3390	23	28	to	to	PART
fsr-3390	23	29	be	be	AUX
fsr-3390	23	30	younger	young	ADJ
fsr-3390	23	31	(	(	PUNCT
fsr-3390	23	32	under	under	ADP
fsr-3390	23	33	age	age	NOUN
fsr-3390	23	34	35	35	NUM
fsr-3390	23	35	)	)	PUNCT
fsr-3390	23	36	and	and	CCONJ
fsr-3390	23	37	relatively	relatively	ADV
fsr-3390	23	38	knowledgeable	knowledgeable	ADJ
fsr-3390	23	39	about	about	ADP
fsr-3390	23	40	personal	personal	ADJ
fsr-3390	23	41	and	and	CCONJ
fsr-3390	23	42	household	household	NOUN
fsr-3390	23	43	financial	financial	ADJ
fsr-3390	23	44	issues	issue	NOUN
fsr-3390	23	45	,	,	PUNCT
fsr-3390	23	46	whereas	whereas	SCONJ
fsr-3390	23	47	non	non	NOUN
fsr-3390	23	48	-	-	NOUN
fsr-3390	23	49	users	user	NOUN
fsr-3390	23	50	tend	tend	VERB
fsr-3390	23	51	to	to	PART
fsr-3390	23	52	be	be	AUX
fsr-3390	23	53	older	old	ADJ
fsr-3390	23	54	consumers	consumer	NOUN
fsr-3390	23	55	who	who	PRON
fsr-3390	23	56	are	be	AUX
fsr-3390	23	57	nearing	near	VERB
fsr-3390	23	58	or	or	CCONJ
fsr-3390	23	59	in	in	ADP
fsr-3390	23	60	retirement	retirement	NOUN
fsr-3390	23	61	.	.	PUNCT
fsr-3390	24	1	those	those	PRON
fsr-3390	24	2	who	who	PRON
fsr-3390	24	3	avoid	avoid	VERB
fsr-3390	24	4	robo	robo	NOUN
fsr-3390	24	5	-	-	PUNCT
fsr-3390	24	6	advisory	advisory	ADJ
fsr-3390	24	7	services	service	NOUN
fsr-3390	24	8	are	be	AUX
fsr-3390	24	9	thought	think	VERB
fsr-3390	24	10	to	to	PART
fsr-3390	24	11	be	be	AUX
fsr-3390	24	12	more	more	ADV
fsr-3390	24	13	cautious	cautious	ADJ
fsr-3390	24	14	(	(	PUNCT
fsr-3390	24	15	a.	a.	NOUN
fsr-3390	24	16	t.	t.	PROPN
fsr-3390	24	17	kearney	kearney	PROPN
fsr-3390	24	18	,	,	PUNCT
fsr-3390	24	19	2015	2015	NUM
fsr-3390	24	20	)	)	PUNCT
fsr-3390	24	21	.	.	PUNCT
fsr-3390	25	1	if	if	SCONJ
fsr-3390	25	2	this	this	DET
fsr-3390	25	3	general	general	ADJ
fsr-3390	25	4	assessment	assessment	NOUN
fsr-3390	25	5	is	be	AUX
fsr-3390	25	6	accurate	accurate	ADJ
fsr-3390	25	7	,	,	PUNCT
fsr-3390	25	8	the	the	DET
fsr-3390	25	9	future	future	ADJ
fsr-3390	25	10	growth	growth	NOUN
fsr-3390	25	11	of	of	ADP
fsr-3390	25	12	robo	robo	NOUN
fsr-3390	25	13	-	-	PUNCT
fsr-3390	25	14	advisory	advisory	ADJ
fsr-3390	25	15	services	service	NOUN
fsr-3390	25	16	will	will	AUX
fsr-3390	25	17	depend	depend	VERB
fsr-3390	25	18	on	on	ADP
fsr-3390	25	19	less	less	ADV
fsr-3390	25	20	experienced	experienced	ADJ
fsr-3390	25	21	and	and	CCONJ
fsr-3390	25	22	cautious	cautious	ADJ
fsr-3390	25	23	consumers	consumer	NOUN
fsr-3390	25	24	’	'	PUNCT
fsr-3390	25	25	willingness	willingness	NOUN
fsr-3390	25	26	to	to	PART
fsr-3390	25	27	transfer	transfer	VERB
fsr-3390	25	28	assets	asset	NOUN
fsr-3390	25	29	and	and	CCONJ
fsr-3390	25	30	information	information	NOUN
fsr-3390	25	31	to	to	ADP
fsr-3390	25	32	robo	robo	NOUN
fsr-3390	25	33	-	-	PUNCT
fsr-3390	25	34	advisors	advisor	NOUN
fsr-3390	25	35	.	.	PUNCT
fsr-3390	26	1	if	if	SCONJ
fsr-3390	26	2	this	this	PRON
fsr-3390	26	3	occurs	occur	VERB
fsr-3390	26	4	,	,	PUNCT
fsr-3390	26	5	there	there	PRON
fsr-3390	26	6	could	could	AUX
fsr-3390	26	7	be	be	AUX
fsr-3390	26	8	profound	profound	ADJ
fsr-3390	26	9	disruptions	disruption	NOUN
fsr-3390	26	10	to	to	ADP
fsr-3390	26	11	the	the	DET
fsr-3390	26	12	revenue	revenue	NOUN
fsr-3390	26	13	of	of	ADP
fsr-3390	26	14	firms	firm	NOUN
fsr-3390	26	15	operating	operate	VERB
fsr-3390	26	16	as	as	ADP
fsr-3390	26	17	traditional	traditional	ADJ
fsr-3390	26	18	asset	asset	NOUN
fsr-3390	26	19	managers	manager	NOUN
fsr-3390	26	20	and	and	CCONJ
fsr-3390	26	21	firms	firm	NOUN
fsr-3390	26	22	providing	provide	VERB
fsr-3390	26	23	direct	direct	ADJ
fsr-3390	26	24	person	person	NOUN
fsr-3390	26	25	-	-	PUNCT
fsr-3390	26	26	to	to	ADP
fsr-3390	26	27	-	-	PUNCT
fsr-3390	26	28	person	person	NOUN
fsr-3390	26	29	financial	financial	ADJ
fsr-3390	26	30	planning	planning	NOUN
fsr-3390	26	31	advice	advice	NOUN
fsr-3390	26	32	(	(	PUNCT
fsr-3390	26	33	regan	regan	NOUN
fsr-3390	26	34	,	,	PUNCT
fsr-3390	26	35	2015	2015	NUM
fsr-3390	26	36	)	)	PUNCT
fsr-3390	26	37	.	.	PUNCT
fsr-3390	27	1	the	the	DET
fsr-3390	27	2	purpose	purpose	NOUN
fsr-3390	27	3	of	of	ADP
fsr-3390	27	4	this	this	DET
fsr-3390	27	5	study	study	NOUN
fsr-3390	27	6	was	be	AUX
fsr-3390	27	7	to	to	PART
fsr-3390	27	8	compare	compare	VERB
fsr-3390	27	9	the	the	DET
fsr-3390	27	10	demographic	demographic	ADJ
fsr-3390	27	11	and	and	CCONJ
fsr-3390	27	12	attitudinal	attitudinal	ADJ
fsr-3390	27	13	characteristics	characteristic	NOUN
fsr-3390	27	14	of	of	ADP
fsr-3390	27	15	affluent	affluent	ADJ
fsr-3390	27	16	u.s	u.s	PROPN
fsr-3390	27	17	.	.	PROPN
fsr-3390	27	18	consumers	consumer	NOUN
fsr-3390	27	19	in	in	ADP
fsr-3390	27	20	their	their	PRON
fsr-3390	27	21	current	current	ADJ
fsr-3390	27	22	and	and	CCONJ
fsr-3390	27	23	expected	expect	VERB
fsr-3390	27	24	use	use	NOUN
fsr-3390	27	25	of	of	ADP
fsr-3390	27	26	robo	robo	NOUN
fsr-3390	27	27	-	-	PUNCT
fsr-3390	27	28	advisory	advisory	ADJ
fsr-3390	27	29	services	service	NOUN
fsr-3390	27	30	,	,	PUNCT
fsr-3390	27	31	traditional	traditional	ADJ
fsr-3390	27	32	financial	financial	ADJ
fsr-3390	27	33	planning	planning	NOUN
fsr-3390	27	34	services	service	NOUN
fsr-3390	27	35	,	,	PUNCT
fsr-3390	27	36	or	or	CCONJ
fsr-3390	27	37	a	a	DET
fsr-3390	27	38	combination	combination	NOUN
fsr-3390	27	39	of	of	ADP
fsr-3390	27	40	services	service	NOUN
fsr-3390	27	41	.	.	PUNCT
fsr-3390	28	1	the	the	DET
fsr-3390	28	2	results	result	NOUN
fsr-3390	28	3	from	from	ADP
fsr-3390	28	4	this	this	DET
fsr-3390	28	5	study	study	NOUN
fsr-3390	28	6	add	add	VERB
fsr-3390	28	7	to	to	ADP
fsr-3390	28	8	the	the	DET
fsr-3390	28	9	literature	literature	NOUN
fsr-3390	28	10	by	by	ADP
fsr-3390	28	11	providing	provide	VERB
fsr-3390	28	12	an	an	DET
fsr-3390	28	13	empirically	empirically	ADV
fsr-3390	28	14	robust	robust	ADJ
fsr-3390	28	15	description	description	NOUN
fsr-3390	28	16	of	of	ADP
fsr-3390	28	17	current	current	ADJ
fsr-3390	28	18	and	and	CCONJ
fsr-3390	28	19	potential	potential	ADJ
fsr-3390	28	20	users	user	NOUN
fsr-3390	28	21	of	of	ADP
fsr-3390	28	22	robo	robo	NOUN
fsr-3390	28	23	-	-	PUNCT
fsr-3390	28	24	advisory	advisory	ADJ
fsr-3390	28	25	services	service	NOUN
fsr-3390	28	26	.	.	PUNCT
fsr-3390	29	1	the	the	DET
fsr-3390	29	2	remainder	remainder	NOUN
fsr-3390	29	3	of	of	ADP
fsr-3390	29	4	this	this	DET
fsr-3390	29	5	paper	paper	NOUN
fsr-3390	29	6	is	be	AUX
fsr-3390	29	7	focused	focus	VERB
fsr-3390	29	8	on	on	ADP
fsr-3390	29	9	providing	provide	VERB
fsr-3390	29	10	a	a	DET
fsr-3390	29	11	background	background	NOUN
fsr-3390	29	12	review	review	NOUN
fsr-3390	29	13	of	of	ADP
fsr-3390	29	14	robo	robo	NOUN
fsr-3390	29	15	-	-	PUNCT
fsr-3390	29	16	advisory	advisory	ADJ
fsr-3390	29	17	services	service	NOUN
fsr-3390	29	18	,	,	PUNCT
fsr-3390	29	19	a	a	DET
fsr-3390	29	20	description	description	NOUN
fsr-3390	29	21	of	of	ADP
fsr-3390	29	22	the	the	DET
fsr-3390	29	23	research	research	NOUN
fsr-3390	29	24	methodology	methodology	NOUN
fsr-3390	29	25	,	,	PUNCT
fsr-3390	29	26	a	a	DET
fsr-3390	29	27	report	report	NOUN
fsr-3390	29	28	of	of	ADP
fsr-3390	29	29	the	the	DET
fsr-3390	29	30	findings	finding	NOUN
fsr-3390	29	31	,	,	PUNCT
fsr-3390	29	32	and	and	CCONJ
fsr-3390	29	33	an	an	DET
fsr-3390	29	34	applied	apply	VERB
fsr-3390	29	35	discussion	discussion	NOUN
fsr-3390	29	36	of	of	ADP
fsr-3390	29	37	results	result	NOUN
fsr-3390	29	38	.	.	PUNCT
fsr-3390	30	1	2	2	X
fsr-3390	30	2	.	.	X
fsr-3390	30	3	literature	literature	NOUN
fsr-3390	30	4	review	review	PROPN
fsr-3390	30	5	when	when	SCONJ
fsr-3390	30	6	first	first	ADV
fsr-3390	30	7	conceptualized	conceptualize	VERB
fsr-3390	30	8	,	,	PUNCT
fsr-3390	30	9	robo	robo	NOUN
fsr-3390	30	10	-	-	PUNCT
fsr-3390	30	11	advisors	advisor	NOUN
fsr-3390	30	12	were	be	AUX
fsr-3390	30	13	brought	bring	VERB
fsr-3390	30	14	to	to	ADP
fsr-3390	30	15	market	market	NOUN
fsr-3390	30	16	as	as	ADP
fsr-3390	30	17	an	an	DET
fsr-3390	30	18	alternative	alternative	NOUN
fsr-3390	30	19	for	for	SCONJ
fsr-3390	30	20	small	small	ADJ
fsr-3390	30	21	investors	investor	NOUN
fsr-3390	30	22	to	to	PART
fsr-3390	30	23	gain	gain	VERB
fsr-3390	30	24	access	access	NOUN
fsr-3390	30	25	to	to	ADP
fsr-3390	30	26	financial	financial	ADJ
fsr-3390	30	27	advice	advice	NOUN
fsr-3390	30	28	and	and	CCONJ
fsr-3390	30	29	portfolio	portfolio	NOUN
fsr-3390	30	30	management	management	NOUN
fsr-3390	30	31	services	service	NOUN
fsr-3390	30	32	in	in	ADP
fsr-3390	30	33	a	a	DET
fsr-3390	30	34	cost	cost	NOUN
fsr-3390	30	35	-	-	PUNCT
fsr-3390	30	36	effective	effective	ADJ
fsr-3390	30	37	manner	manner	NOUN
fsr-3390	30	38	(	(	PUNCT
fsr-3390	30	39	fein	fein	PROPN
fsr-3390	30	40	,	,	PUNCT
fsr-3390	30	41	2015	2015	NUM
fsr-3390	30	42	)	)	PUNCT
fsr-3390	30	43	.	.	PUNCT
fsr-3390	31	1	a	a	DET
fsr-3390	31	2	key	key	ADJ
fsr-3390	31	3	feature	feature	NOUN
fsr-3390	31	4	associated	associate	VERB
fsr-3390	31	5	with	with	ADP
fsr-3390	31	6	robo	robo	NOUN
fsr-3390	31	7	-	-	PUNCT
fsr-3390	31	8	advisors	advisor	NOUN
fsr-3390	31	9	is	be	AUX
fsr-3390	31	10	the	the	DET
fsr-3390	31	11	174	174	NUM
fsr-3390	31	12	m.	m.	NOUN
fsr-3390	31	13	fulk	fulk	PROPN
fsr-3390	31	14	et	et	PROPN
fsr-3390	31	15	al	al	PROPN
fsr-3390	31	16	.	.	PUNCT
fsr-3390	31	17	/	/	SYM
fsr-3390	31	18	financial	financial	ADJ
fsr-3390	31	19	services	service	NOUN
fsr-3390	31	20	review	review	VERB
fsr-3390	31	21	27	27	NUM
fsr-3390	31	22	(	(	PUNCT
fsr-3390	31	23	2018	2018	NUM
fsr-3390	31	24	)	)	PUNCT
fsr-3390	31	25	173	173	NUM
fsr-3390	31	26	-	-	SYM
fsr-3390	31	27	188	188	NUM
fsr-3390	31	28	delivery	delivery	NOUN
fsr-3390	31	29	of	of	ADP
fsr-3390	31	30	services	service	NOUN
fsr-3390	31	31	at	at	ADP
fsr-3390	31	32	low	low	ADJ
fsr-3390	31	33	costs	cost	NOUN
fsr-3390	31	34	.	.	PUNCT
fsr-3390	32	1	cost	cost	NOUN
fsr-3390	32	2	savings	saving	NOUN
fsr-3390	32	3	are	be	AUX
fsr-3390	32	4	generated	generate	VERB
fsr-3390	32	5	by	by	ADP
fsr-3390	32	6	automating	automate	VERB
fsr-3390	32	7	the	the	DET
fsr-3390	32	8	process	process	NOUN
fsr-3390	32	9	of	of	ADP
fsr-3390	32	10	collecting	collect	VERB
fsr-3390	32	11	and	and	CCONJ
fsr-3390	32	12	analyzing	analyze	VERB
fsr-3390	32	13	client	client	NOUN
fsr-3390	32	14	data	datum	NOUN
fsr-3390	32	15	,	,	PUNCT
fsr-3390	32	16	creating	create	VERB
fsr-3390	32	17	and	and	CCONJ
fsr-3390	32	18	implementing	implement	VERB
fsr-3390	32	19	recommendations	recommendation	NOUN
fsr-3390	32	20	,	,	PUNCT
fsr-3390	32	21	and	and	CCONJ
fsr-3390	32	22	monitoring	monitor	VERB
fsr-3390	32	23	outcomes	outcome	NOUN
fsr-3390	32	24	.	.	PUNCT
fsr-3390	33	1	today	today	NOUN
fsr-3390	33	2	,	,	PUNCT
fsr-3390	33	3	robo	robo	NOUN
fsr-3390	33	4	-	-	PUNCT
fsr-3390	33	5	advisors	advisor	NOUN
fsr-3390	33	6	have	have	AUX
fsr-3390	33	7	expanded	expand	VERB
fsr-3390	33	8	to	to	PART
fsr-3390	33	9	include	include	VERB
fsr-3390	33	10	noninvestment	noninvestment	ADJ
fsr-3390	33	11	money	money	NOUN
fsr-3390	33	12	management	management	NOUN
fsr-3390	33	13	services	service	NOUN
fsr-3390	33	14	,	,	PUNCT
fsr-3390	33	15	such	such	ADJ
fsr-3390	33	16	as	as	ADP
fsr-3390	33	17	budgeting	budget	VERB
fsr-3390	33	18	,	,	PUNCT
fsr-3390	33	19	planned	planned	ADJ
fsr-3390	33	20	saving	saving	NOUN
fsr-3390	33	21	,	,	PUNCT
fsr-3390	33	22	expense	expense	NOUN
fsr-3390	33	23	tracking	tracking	NOUN
fsr-3390	33	24	,	,	PUNCT
fsr-3390	33	25	mortgage	mortgage	NOUN
fsr-3390	33	26	financing	financing	NOUN
fsr-3390	33	27	services	service	NOUN
fsr-3390	33	28	,	,	PUNCT
fsr-3390	33	29	legal	legal	ADJ
fsr-3390	33	30	advice	advice	NOUN
fsr-3390	33	31	,	,	PUNCT
fsr-3390	33	32	tax	tax	NOUN
fsr-3390	33	33	services	service	NOUN
fsr-3390	33	34	,	,	PUNCT
fsr-3390	33	35	and	and	CCONJ
fsr-3390	33	36	general	general	ADJ
fsr-3390	33	37	financial	financial	ADJ
fsr-3390	33	38	planning	planning	NOUN
fsr-3390	33	39	advice	advice	NOUN
fsr-3390	33	40	.	.	PUNCT
fsr-3390	34	1	although	although	SCONJ
fsr-3390	34	2	federal	federal	ADJ
fsr-3390	34	3	regulators	regulator	NOUN
fsr-3390	34	4	have	have	VERB
fsr-3390	34	5	yet	yet	ADV
fsr-3390	34	6	to	to	PART
fsr-3390	34	7	determine	determine	VERB
fsr-3390	34	8	whether	whether	SCONJ
fsr-3390	34	9	robo	robo	NOUN
fsr-3390	34	10	-	-	PUNCT
fsr-3390	34	11	advisory	advisory	ADJ
fsr-3390	34	12	services	service	NOUN
fsr-3390	34	13	meet	meet	VERB
fsr-3390	34	14	either	either	ADV
fsr-3390	34	15	,	,	PUNCT
fsr-3390	34	16	both	both	PRON
fsr-3390	34	17	,	,	PUNCT
fsr-3390	34	18	or	or	CCONJ
fsr-3390	34	19	neither	neither	CCONJ
fsr-3390	34	20	the	the	DET
fsr-3390	34	21	suitability	suitability	NOUN
fsr-3390	34	22	or	or	CCONJ
fsr-3390	34	23	fiduciary	fiduciary	ADJ
fsr-3390	34	24	standard	standard	NOUN
fsr-3390	34	25	,	,	PUNCT
fsr-3390	34	26	there	there	PRON
fsr-3390	34	27	is	be	VERB
fsr-3390	34	28	a	a	DET
fsr-3390	34	29	general	general	ADJ
fsr-3390	34	30	recognition	recognition	NOUN
fsr-3390	34	31	among	among	ADP
fsr-3390	34	32	policymakers	policymaker	NOUN
fsr-3390	34	33	that	that	SCONJ
fsr-3390	34	34	automated	automate	VERB
fsr-3390	34	35	services	service	NOUN
fsr-3390	34	36	may	may	AUX
fsr-3390	34	37	be	be	AUX
fsr-3390	34	38	a	a	DET
fsr-3390	34	39	mechanism	mechanism	NOUN
fsr-3390	34	40	to	to	PART
fsr-3390	34	41	expand	expand	VERB
fsr-3390	34	42	investment	investment	NOUN
fsr-3390	34	43	advice	advice	NOUN
fsr-3390	34	44	and	and	CCONJ
fsr-3390	34	45	services	service	NOUN
fsr-3390	34	46	to	to	ADP
fsr-3390	34	47	more	more	ADJ
fsr-3390	34	48	individuals	individual	NOUN
fsr-3390	34	49	and	and	CCONJ
fsr-3390	34	50	families	family	NOUN
fsr-3390	34	51	(	(	PUNCT
fsr-3390	34	52	idzelis	idzelis	PROPN
fsr-3390	34	53	,	,	PUNCT
fsr-3390	34	54	2016	2016	NUM
fsr-3390	34	55	)	)	PUNCT
fsr-3390	34	56	.	.	PUNCT
fsr-3390	35	1	it	it	PRON
fsr-3390	35	2	is	be	AUX
fsr-3390	35	3	important	important	ADJ
fsr-3390	35	4	to	to	PART
fsr-3390	35	5	note	note	VERB
fsr-3390	35	6	,	,	PUNCT
fsr-3390	35	7	however	however	ADV
fsr-3390	35	8	,	,	PUNCT
fsr-3390	35	9	that	that	SCONJ
fsr-3390	35	10	some	some	PRON
fsr-3390	35	11	have	have	AUX
fsr-3390	35	12	expressed	express	VERB
fsr-3390	35	13	concerns	concern	NOUN
fsr-3390	35	14	about	about	ADP
fsr-3390	35	15	the	the	DET
fsr-3390	35	16	role	role	NOUN
fsr-3390	35	17	of	of	ADP
fsr-3390	35	18	robo	robo	NOUN
fsr-3390	35	19	-	-	PUNCT
fsr-3390	35	20	advisors	advisor	NOUN
fsr-3390	35	21	in	in	ADP
fsr-3390	35	22	the	the	DET
fsr-3390	35	23	financial	financial	ADJ
fsr-3390	35	24	marketplace	marketplace	NOUN
fsr-3390	35	25	.	.	PUNCT
fsr-3390	36	1	for	for	ADP
fsr-3390	36	2	example	example	NOUN
fsr-3390	36	3	,	,	PUNCT
fsr-3390	36	4	fein	fein	PROPN
fsr-3390	36	5	(	(	PUNCT
fsr-3390	36	6	2015	2015	NUM
fsr-3390	36	7	)	)	PUNCT
fsr-3390	36	8	published	publish	VERB
fsr-3390	36	9	a	a	DET
fsr-3390	36	10	critique	critique	NOUN
fsr-3390	36	11	of	of	ADP
fsr-3390	36	12	robo	robo	NOUN
fsr-3390	36	13	-	-	PUNCT
fsr-3390	36	14	advisors	advisor	NOUN
fsr-3390	36	15	and	and	CCONJ
fsr-3390	36	16	concluded	conclude	VERB
fsr-3390	36	17	that	that	SCONJ
fsr-3390	36	18	robo	robo	NOUN
fsr-3390	36	19	-	-	PUNCT
fsr-3390	36	20	advisors	advisor	NOUN
fsr-3390	36	21	do	do	AUX
fsr-3390	36	22	not	not	PART
fsr-3390	36	23	always	always	ADV
fsr-3390	36	24	provide	provide	VERB
fsr-3390	36	25	advice	advice	NOUN
fsr-3390	36	26	that	that	PRON
fsr-3390	36	27	is	be	AUX
fsr-3390	36	28	in	in	ADP
fsr-3390	36	29	the	the	DET
fsr-3390	36	30	best	good	ADJ
fsr-3390	36	31	interest	interest	NOUN
fsr-3390	36	32	of	of	ADP
fsr-3390	36	33	consumers	consumer	NOUN
fsr-3390	36	34	.	.	PUNCT
fsr-3390	37	1	fein	fein	PROPN
fsr-3390	37	2	argued	argue	VERB
fsr-3390	37	3	that	that	SCONJ
fsr-3390	37	4	there	there	PRON
fsr-3390	37	5	is	be	VERB
fsr-3390	37	6	a	a	DET
fsr-3390	37	7	general	general	ADJ
fsr-3390	37	8	lack	lack	NOUN
fsr-3390	37	9	of	of	ADP
fsr-3390	37	10	transparency	transparency	NOUN
fsr-3390	37	11	in	in	ADP
fsr-3390	37	12	the	the	DET
fsr-3390	37	13	way	way	NOUN
fsr-3390	37	14	consumer	consumer	NOUN
fsr-3390	37	15	information	information	NOUN
fsr-3390	37	16	is	be	AUX
fsr-3390	37	17	used	use	VERB
fsr-3390	37	18	.	.	PUNCT
fsr-3390	38	1	this	this	DET
fsr-3390	38	2	lack	lack	NOUN
fsr-3390	38	3	of	of	ADP
fsr-3390	38	4	transparency	transparency	NOUN
fsr-3390	38	5	can	can	AUX
fsr-3390	38	6	lead	lead	VERB
fsr-3390	38	7	to	to	ADP
fsr-3390	38	8	undisclosed	undisclosed	ADJ
fsr-3390	38	9	conflicts	conflict	NOUN
fsr-3390	38	10	of	of	ADP
fsr-3390	38	11	interests	interest	NOUN
fsr-3390	38	12	that	that	PRON
fsr-3390	38	13	can	can	AUX
fsr-3390	38	14	increase	increase	VERB
fsr-3390	38	15	apparent	apparent	ADJ
fsr-3390	38	16	and	and	CCONJ
fsr-3390	38	17	hidden	hidden	ADJ
fsr-3390	38	18	costs	cost	NOUN
fsr-3390	38	19	paid	pay	VERB
fsr-3390	38	20	by	by	ADP
fsr-3390	38	21	consumers	consumer	NOUN
fsr-3390	38	22	.	.	PUNCT
fsr-3390	39	1	regardless	regardless	ADV
fsr-3390	39	2	of	of	ADP
fsr-3390	39	3	the	the	DET
fsr-3390	39	4	debate	debate	NOUN
fsr-3390	39	5	that	that	PRON
fsr-3390	39	6	continues	continue	VERB
fsr-3390	39	7	over	over	ADP
fsr-3390	39	8	the	the	DET
fsr-3390	39	9	fiduciary	fiduciary	ADJ
fsr-3390	39	10	status	status	NOUN
fsr-3390	39	11	of	of	ADP
fsr-3390	39	12	robo	robo	NOUN
fsr-3390	39	13	-	-	PUNCT
fsr-3390	39	14	advisory	advisory	ADJ
fsr-3390	39	15	firms	firm	NOUN
fsr-3390	39	16	,	,	PUNCT
fsr-3390	39	17	it	it	PRON
fsr-3390	39	18	is	be	AUX
fsr-3390	39	19	clear	clear	ADJ
fsr-3390	39	20	that	that	SCONJ
fsr-3390	39	21	an	an	DET
fsr-3390	39	22	increasing	increase	VERB
fsr-3390	39	23	number	number	NOUN
fsr-3390	39	24	of	of	ADP
fsr-3390	39	25	consumers	consumer	NOUN
fsr-3390	39	26	have	have	AUX
fsr-3390	39	27	embraced	embrace	VERB
fsr-3390	39	28	the	the	DET
fsr-3390	39	29	notion	notion	NOUN
fsr-3390	39	30	of	of	ADP
fsr-3390	39	31	allowing	allow	VERB
fsr-3390	39	32	an	an	DET
fsr-3390	39	33	automated	automate	VERB
fsr-3390	39	34	system	system	NOUN
fsr-3390	39	35	to	to	PART
fsr-3390	39	36	manage	manage	VERB
fsr-3390	39	37	some	some	PRON
fsr-3390	39	38	or	or	CCONJ
fsr-3390	39	39	most	most	ADJ
fsr-3390	39	40	of	of	ADP
fsr-3390	39	41	their	their	PRON
fsr-3390	39	42	finances	finance	NOUN
fsr-3390	39	43	.	.	PUNCT
fsr-3390	40	1	the	the	DET
fsr-3390	40	2	limited	limited	ADJ
fsr-3390	40	3	literature	literature	NOUN
fsr-3390	40	4	on	on	ADP
fsr-3390	40	5	the	the	DET
fsr-3390	40	6	use	use	NOUN
fsr-3390	40	7	of	of	ADP
fsr-3390	40	8	robo	robo	NOUN
fsr-3390	40	9	-	-	PUNCT
fsr-3390	40	10	advisors	advisor	NOUN
fsr-3390	40	11	suggests	suggest	VERB
fsr-3390	40	12	that	that	SCONJ
fsr-3390	40	13	primary	primary	ADJ
fsr-3390	40	14	adopters	adopter	NOUN
fsr-3390	40	15	of	of	ADP
fsr-3390	40	16	this	this	DET
fsr-3390	40	17	technologically	technologically	ADV
fsr-3390	40	18	driven	drive	VERB
fsr-3390	40	19	money	money	NOUN
fsr-3390	40	20	management	management	NOUN
fsr-3390	40	21	approach	approach	NOUN
fsr-3390	40	22	tend	tend	VERB
fsr-3390	40	23	to	to	PART
fsr-3390	40	24	be	be	AUX
fsr-3390	40	25	younger	young	ADJ
fsr-3390	40	26	consumers	consumer	NOUN
fsr-3390	40	27	who	who	PRON
fsr-3390	40	28	have	have	VERB
fsr-3390	40	29	a	a	DET
fsr-3390	40	30	high	high	ADJ
fsr-3390	40	31	level	level	NOUN
fsr-3390	40	32	of	of	ADP
fsr-3390	40	33	trust	trust	NOUN
fsr-3390	40	34	in	in	ADP
fsr-3390	40	35	online	online	ADJ
fsr-3390	40	36	platforms	platform	NOUN
fsr-3390	40	37	(	(	PUNCT
fsr-3390	40	38	cutler	cutler	NOUN
fsr-3390	40	39	,	,	PUNCT
fsr-3390	40	40	2015	2015	NUM
fsr-3390	40	41	;	;	PUNCT
fsr-3390	40	42	pisani	pisani	NUM
fsr-3390	40	43	,	,	PUNCT
fsr-3390	40	44	2016	2016	NUM
fsr-3390	40	45	)	)	PUNCT
fsr-3390	40	46	.	.	PUNCT
fsr-3390	41	1	what	what	PRON
fsr-3390	41	2	is	be	AUX
fsr-3390	41	3	less	less	ADV
fsr-3390	41	4	well	well	ADV
fsr-3390	41	5	known	known	ADJ
fsr-3390	41	6	is	be	AUX
fsr-3390	41	7	how	how	SCONJ
fsr-3390	41	8	well	well	ADV
fsr-3390	41	9	the	the	DET
fsr-3390	41	10	adoption	adoption	NOUN
fsr-3390	41	11	of	of	ADP
fsr-3390	41	12	robo	robo	NOUN
fsr-3390	41	13	-	-	PUNCT
fsr-3390	41	14	advisory	advisory	ADJ
fsr-3390	41	15	services	service	NOUN
fsr-3390	41	16	matches	match	VERB
fsr-3390	41	17	with	with	ADP
fsr-3390	41	18	the	the	DET
fsr-3390	41	19	help	help	NOUN
fsr-3390	41	20	-	-	PUNCT
fsr-3390	41	21	seeking	seek	VERB
fsr-3390	41	22	behavior	behavior	NOUN
fsr-3390	41	23	of	of	ADP
fsr-3390	41	24	consumers	consumer	NOUN
fsr-3390	41	25	for	for	ADP
fsr-3390	41	26	traditional	traditional	ADJ
fsr-3390	41	27	financial	financial	ADJ
fsr-3390	41	28	planning	planning	NOUN
fsr-3390	41	29	services	service	NOUN
fsr-3390	41	30	.	.	PUNCT
fsr-3390	42	1	2.1	2.1	NUM
fsr-3390	42	2	.	.	PUNCT
fsr-3390	43	1	help	help	AUX
fsr-3390	43	2	-	-	PUNCT
fsr-3390	43	3	seeking	seek	VERB
fsr-3390	43	4	behavior	behavior	NOUN
fsr-3390	43	5	the	the	DET
fsr-3390	43	6	financial	financial	ADJ
fsr-3390	43	7	help	help	NOUN
fsr-3390	43	8	-	-	PUNCT
fsr-3390	43	9	seeking	seek	VERB
fsr-3390	43	10	literature	literature	NOUN
fsr-3390	43	11	is	be	AUX
fsr-3390	43	12	relatively	relatively	ADV
fsr-3390	43	13	robust	robust	ADJ
fsr-3390	43	14	,	,	PUNCT
fsr-3390	43	15	meaning	mean	VERB
fsr-3390	43	16	that	that	SCONJ
fsr-3390	43	17	researchers	researcher	NOUN
fsr-3390	43	18	have	have	AUX
fsr-3390	43	19	been	be	AUX
fsr-3390	43	20	able	able	ADJ
fsr-3390	43	21	to	to	PART
fsr-3390	43	22	describe	describe	VERB
fsr-3390	43	23	the	the	DET
fsr-3390	43	24	general	general	ADJ
fsr-3390	43	25	characteristics	characteristic	NOUN
fsr-3390	43	26	of	of	ADP
fsr-3390	43	27	those	those	PRON
fsr-3390	43	28	who	who	PRON
fsr-3390	43	29	seek	seek	VERB
fsr-3390	43	30	out	out	ADP
fsr-3390	43	31	financial	financial	ADJ
fsr-3390	43	32	advice	advice	NOUN
fsr-3390	43	33	from	from	ADP
fsr-3390	43	34	professionals	professional	NOUN
fsr-3390	43	35	.	.	PUNCT
fsr-3390	44	1	a	a	DET
fsr-3390	44	2	recent	recent	ADJ
fsr-3390	44	3	review	review	NOUN
fsr-3390	44	4	by	by	ADP
fsr-3390	44	5	gentile	gentile	NOUN
fsr-3390	44	6	,	,	PUNCT
fsr-3390	44	7	linciano	linciano	ADV
fsr-3390	44	8	,	,	PUNCT
fsr-3390	44	9	and	and	CCONJ
fsr-3390	44	10	soccorso	soccorso	NOUN
fsr-3390	44	11	(	(	PUNCT
fsr-3390	44	12	2016	2016	NUM
fsr-3390	44	13	)	)	PUNCT
fsr-3390	44	14	summarized	summarize	VERB
fsr-3390	44	15	much	much	ADJ
fsr-3390	44	16	of	of	ADP
fsr-3390	44	17	this	this	DET
fsr-3390	44	18	literature	literature	NOUN
fsr-3390	44	19	.	.	PUNCT
fsr-3390	45	1	gentile	gentile	NOUN
fsr-3390	45	2	et	et	PROPN
fsr-3390	45	3	al	al	PROPN
fsr-3390	45	4	.	.	PROPN
fsr-3390	45	5	noted	note	VERB
fsr-3390	45	6	that	that	SCONJ
fsr-3390	45	7	basic	basic	ADJ
fsr-3390	45	8	demographic	demographic	ADJ
fsr-3390	45	9	factors	factor	NOUN
fsr-3390	45	10	often	often	ADV
fsr-3390	45	11	help	help	VERB
fsr-3390	45	12	differentiate	differentiate	VERB
fsr-3390	45	13	those	those	PRON
fsr-3390	45	14	who	who	PRON
fsr-3390	45	15	seek	seek	VERB
fsr-3390	45	16	professional	professional	ADJ
fsr-3390	45	17	help	help	NOUN
fsr-3390	45	18	from	from	ADP
fsr-3390	45	19	those	those	PRON
fsr-3390	45	20	who	who	PRON
fsr-3390	45	21	do	do	VERB
fsr-3390	45	22	not	not	PART
fsr-3390	45	23	.	.	PUNCT
fsr-3390	46	1	for	for	ADP
fsr-3390	46	2	example	example	NOUN
fsr-3390	46	3	,	,	PUNCT
fsr-3390	46	4	given	give	VERB
fsr-3390	46	5	the	the	DET
fsr-3390	46	6	pricing	pricing	NOUN
fsr-3390	46	7	models	model	NOUN
fsr-3390	46	8	associated	associate	VERB
fsr-3390	46	9	with	with	ADP
fsr-3390	46	10	financial	financial	ADJ
fsr-3390	46	11	planning	planning	NOUN
fsr-3390	46	12	and	and	CCONJ
fsr-3390	46	13	investment	investment	NOUN
fsr-3390	46	14	management	management	NOUN
fsr-3390	46	15	services	service	NOUN
fsr-3390	46	16	,	,	PUNCT
fsr-3390	46	17	household	household	NOUN
fsr-3390	46	18	income	income	NOUN
fsr-3390	46	19	and	and	CCONJ
fsr-3390	46	20	net	net	ADJ
fsr-3390	46	21	worth	worth	NOUN
fsr-3390	46	22	tend	tend	VERB
fsr-3390	46	23	to	to	PART
fsr-3390	46	24	be	be	AUX
fsr-3390	46	25	important	important	ADJ
fsr-3390	46	26	factors	factor	NOUN
fsr-3390	46	27	in	in	ADP
fsr-3390	46	28	describing	describe	VERB
fsr-3390	46	29	help	help	NOUN
fsr-3390	46	30	-	-	PUNCT
fsr-3390	46	31	seeking	seek	VERB
fsr-3390	46	32	behaviors	behavior	NOUN
fsr-3390	46	33	.	.	PUNCT
fsr-3390	47	1	specifically	specifically	ADV
fsr-3390	47	2	,	,	PUNCT
fsr-3390	47	3	those	those	PRON
fsr-3390	47	4	with	with	ADP
fsr-3390	47	5	greater	great	ADJ
fsr-3390	47	6	income	income	NOUN
fsr-3390	47	7	and	and	CCONJ
fsr-3390	47	8	wealth	wealth	NOUN
fsr-3390	47	9	tend	tend	VERB
fsr-3390	47	10	to	to	PART
fsr-3390	47	11	be	be	AUX
fsr-3390	47	12	more	more	ADV
fsr-3390	47	13	likely	likely	ADJ
fsr-3390	47	14	to	to	PART
fsr-3390	47	15	pay	pay	VERB
fsr-3390	47	16	for	for	ADP
fsr-3390	47	17	financial	financial	ADJ
fsr-3390	47	18	advice	advice	NOUN
fsr-3390	47	19	and	and	CCONJ
fsr-3390	47	20	,	,	PUNCT
fsr-3390	47	21	thus	thus	ADV
fsr-3390	47	22	,	,	PUNCT
fsr-3390	47	23	seek	seek	VERB
fsr-3390	47	24	out	out	ADP
fsr-3390	47	25	such	such	ADJ
fsr-3390	47	26	advice	advice	NOUN
fsr-3390	47	27	(	(	PUNCT
fsr-3390	47	28	finke	finke	PROPN
fsr-3390	47	29	,	,	PUNCT
fsr-3390	47	30	huston	huston	PROPN
fsr-3390	47	31	,	,	PUNCT
fsr-3390	47	32	and	and	CCONJ
fsr-3390	47	33	winchester	winchester	PROPN
fsr-3390	47	34	,	,	PUNCT
fsr-3390	47	35	2011	2011	NUM
fsr-3390	47	36	;	;	PUNCT
fsr-3390	47	37	miller	miller	PROPN
fsr-3390	47	38	and	and	CCONJ
fsr-3390	47	39	montalto	montalto	PROPN
fsr-3390	47	40	,	,	PUNCT
fsr-3390	47	41	2001	2001	NUM
fsr-3390	47	42	)	)	PUNCT
fsr-3390	47	43	.	.	PUNCT
fsr-3390	48	1	whether	whether	SCONJ
fsr-3390	48	2	these	these	DET
fsr-3390	48	3	factors	factor	NOUN
fsr-3390	48	4	are	be	AUX
fsr-3390	48	5	also	also	ADV
fsr-3390	48	6	important	important	ADJ
fsr-3390	48	7	in	in	ADP
fsr-3390	48	8	shaping	shape	VERB
fsr-3390	48	9	who	who	PRON
fsr-3390	48	10	may	may	AUX
fsr-3390	48	11	prefer	prefer	VERB
fsr-3390	48	12	to	to	PART
fsr-3390	48	13	work	work	VERB
fsr-3390	48	14	with	with	ADP
fsr-3390	48	15	a	a	DET
fsr-3390	48	16	robo	robo	NOUN
fsr-3390	48	17	-	-	PUNCT
fsr-3390	48	18	advisor	advisor	NOUN
fsr-3390	48	19	is	be	AUX
fsr-3390	48	20	less	less	ADV
fsr-3390	48	21	well	well	ADV
fsr-3390	48	22	known	know	VERB
fsr-3390	48	23	;	;	PUNCT
fsr-3390	48	24	however	however	ADV
fsr-3390	48	25	,	,	PUNCT
fsr-3390	48	26	it	it	PRON
fsr-3390	48	27	is	be	AUX
fsr-3390	48	28	reasonable	reasonable	ADJ
fsr-3390	48	29	to	to	PART
fsr-3390	48	30	expect	expect	VERB
fsr-3390	48	31	that	that	SCONJ
fsr-3390	48	32	those	those	PRON
fsr-3390	48	33	with	with	ADP
fsr-3390	48	34	less	less	ADJ
fsr-3390	48	35	income	income	NOUN
fsr-3390	48	36	and	and	CCONJ
fsr-3390	48	37	lower	low	ADJ
fsr-3390	48	38	levels	level	NOUN
fsr-3390	48	39	of	of	ADP
fsr-3390	48	40	wealth	wealth	NOUN
fsr-3390	48	41	may	may	AUX
fsr-3390	48	42	be	be	AUX
fsr-3390	48	43	the	the	DET
fsr-3390	48	44	primary	primary	ADJ
fsr-3390	48	45	users	user	NOUN
fsr-3390	48	46	of	of	ADP
fsr-3390	48	47	robo	robo	NOUN
fsr-3390	48	48	-	-	PUNCT
fsr-3390	48	49	advisory	advisory	ADJ
fsr-3390	48	50	services	service	NOUN
fsr-3390	48	51	.	.	PUNCT
fsr-3390	49	1	age	age	NOUN
fsr-3390	49	2	,	,	PUNCT
fsr-3390	49	3	gender	gender	NOUN
fsr-3390	49	4	,	,	PUNCT
fsr-3390	49	5	education	education	NOUN
fsr-3390	49	6	,	,	PUNCT
fsr-3390	49	7	and	and	CCONJ
fsr-3390	49	8	marital	marital	ADJ
fsr-3390	49	9	status	status	NOUN
fsr-3390	49	10	are	be	AUX
fsr-3390	49	11	also	also	ADV
fsr-3390	49	12	known	know	VERB
fsr-3390	49	13	to	to	PART
fsr-3390	49	14	be	be	AUX
fsr-3390	49	15	associated	associate	VERB
fsr-3390	49	16	with	with	ADP
fsr-3390	49	17	helpseeking	helpseeke	VERB
fsr-3390	49	18	behavior	behavior	NOUN
fsr-3390	49	19	(	(	PUNCT
fsr-3390	49	20	auslander	auslander	NOUN
fsr-3390	49	21	and	and	CCONJ
fsr-3390	49	22	litwin	litwin	NOUN
fsr-3390	49	23	,	,	PUNCT
fsr-3390	49	24	1990	1990	NUM
fsr-3390	49	25	;	;	PUNCT
fsr-3390	49	26	elmerick	elmerick	PROPN
fsr-3390	49	27	,	,	PUNCT
fsr-3390	49	28	montalto	montalto	NOUN
fsr-3390	49	29	,	,	PUNCT
fsr-3390	49	30	and	and	CCONJ
fsr-3390	49	31	fox	fox	PROPN
fsr-3390	49	32	,	,	PUNCT
fsr-3390	49	33	2002	2002	NUM
fsr-3390	49	34	;	;	PUNCT
fsr-3390	49	35	fischer	fischer	PROPN
fsr-3390	49	36	and	and	CCONJ
fsr-3390	49	37	farina	farina	PROPN
fsr-3390	49	38	,	,	PUNCT
fsr-3390	49	39	1995	1995	NUM
fsr-3390	49	40	;	;	PUNCT
fsr-3390	49	41	hackethal	hackethal	NOUN
fsr-3390	49	42	,	,	PUNCT
fsr-3390	49	43	haliassos	haliassos	NOUN
fsr-3390	49	44	,	,	PUNCT
fsr-3390	49	45	and	and	CCONJ
fsr-3390	49	46	jappelli	jappelli	PROPN
fsr-3390	49	47	,	,	PUNCT
fsr-3390	49	48	2012	2012	NUM
fsr-3390	49	49	;	;	PUNCT
fsr-3390	49	50	gall	gall	NOUN
fsr-3390	49	51	,	,	PUNCT
fsr-3390	49	52	kratzer	kratzer	PROPN
fsr-3390	49	53	,	,	PUNCT
fsr-3390	49	54	jones	jones	PROPN
fsr-3390	49	55	,	,	PUNCT
fsr-3390	49	56	and	and	CCONJ
fsr-3390	49	57	decooke	decooke	VERB
fsr-3390	49	58	,	,	PUNCT
fsr-3390	49	59	1990	1990	NUM
fsr-3390	49	60	;	;	PUNCT
fsr-3390	49	61	kaskutas	kaskuta	NOUN
fsr-3390	49	62	,	,	PUNCT
fsr-3390	49	63	weisner	weisner	NOUN
fsr-3390	49	64	,	,	PUNCT
fsr-3390	49	65	and	and	CCONJ
fsr-3390	49	66	caetano	caetano	NOUN
fsr-3390	49	67	,	,	PUNCT
fsr-3390	49	68	1997	1997	NUM
fsr-3390	49	69	;	;	PUNCT
fsr-3390	49	70	phillips	phillip	NOUN
fsr-3390	49	71	and	and	CCONJ
fsr-3390	49	72	murrell	murrell	PROPN
fsr-3390	49	73	,	,	PUNCT
fsr-3390	49	74	1994	1994	NUM
fsr-3390	49	75	;	;	PUNCT
fsr-3390	49	76	robb	robb	NOUN
fsr-3390	49	77	,	,	PUNCT
fsr-3390	49	78	babiarz	babiarz	NOUN
fsr-3390	49	79	,	,	PUNCT
fsr-3390	49	80	and	and	CCONJ
fsr-3390	49	81	woodyard	woodyard	PROPN
fsr-3390	49	82	,	,	PUNCT
fsr-3390	49	83	2012	2012	NUM
fsr-3390	49	84	;	;	PUNCT
fsr-3390	49	85	salter	salter	NOUN
fsr-3390	49	86	,	,	PUNCT
fsr-3390	49	87	harness	harness	NOUN
fsr-3390	49	88	,	,	PUNCT
fsr-3390	49	89	and	and	CCONJ
fsr-3390	49	90	chatterjee	chatterjee	PROPN
fsr-3390	49	91	,	,	PUNCT
fsr-3390	49	92	2010	2010	NUM
fsr-3390	49	93	)	)	PUNCT
fsr-3390	49	94	.	.	PUNCT
fsr-3390	50	1	when	when	SCONJ
fsr-3390	50	2	asked	ask	VERB
fsr-3390	50	3	where	where	SCONJ
fsr-3390	50	4	175	175	NUM
fsr-3390	50	5	m.	m.	NOUN
fsr-3390	50	6	fulk	fulk	PROPN
fsr-3390	50	7	et	et	PROPN
fsr-3390	50	8	al	al	PROPN
fsr-3390	50	9	.	.	PUNCT
fsr-3390	50	10	/	/	SYM
fsr-3390	50	11	financial	financial	ADJ
fsr-3390	50	12	services	service	NOUN
fsr-3390	50	13	review	review	VERB
fsr-3390	50	14	27	27	NUM
fsr-3390	50	15	(	(	PUNCT
fsr-3390	50	16	2018	2018	NUM
fsr-3390	50	17	)	)	PUNCT
fsr-3390	50	18	173	173	NUM
fsr-3390	50	19	-	-	SYM
fsr-3390	50	20	188	188	NUM
fsr-3390	50	21	financial	financial	ADJ
fsr-3390	50	22	services	service	NOUN
fsr-3390	50	23	are	be	AUX
fsr-3390	50	24	obtained	obtain	VERB
fsr-3390	50	25	,	,	PUNCT
fsr-3390	50	26	older	old	ADJ
fsr-3390	50	27	individuals	individual	NOUN
fsr-3390	50	28	are	be	AUX
fsr-3390	50	29	more	more	ADV
fsr-3390	50	30	likely	likely	ADJ
fsr-3390	50	31	,	,	PUNCT
fsr-3390	50	32	compared	compare	VERB
fsr-3390	50	33	with	with	ADP
fsr-3390	50	34	younger	young	ADJ
fsr-3390	50	35	individuals	individual	NOUN
fsr-3390	50	36	,	,	PUNCT
fsr-3390	50	37	to	to	PART
fsr-3390	50	38	report	report	VERB
fsr-3390	50	39	seeking	seek	VERB
fsr-3390	50	40	help	help	NOUN
fsr-3390	50	41	from	from	ADP
fsr-3390	50	42	traditional	traditional	ADJ
fsr-3390	50	43	financial	financial	ADJ
fsr-3390	50	44	planners	planner	NOUN
fsr-3390	50	45	.	.	PUNCT
fsr-3390	51	1	this	this	PRON
fsr-3390	51	2	is	be	AUX
fsr-3390	51	3	logical	logical	ADJ
fsr-3390	51	4	given	give	VERB
fsr-3390	51	5	that	that	SCONJ
fsr-3390	51	6	households	household	NOUN
fsr-3390	51	7	managed	manage	VERB
fsr-3390	51	8	by	by	ADP
fsr-3390	51	9	older	old	ADJ
fsr-3390	51	10	individuals	individual	NOUN
fsr-3390	51	11	often	often	ADV
fsr-3390	51	12	have	have	AUX
fsr-3390	51	13	more	more	ADJ
fsr-3390	51	14	complex	complex	ADJ
fsr-3390	51	15	financial	financial	ADJ
fsr-3390	51	16	questions	question	NOUN
fsr-3390	51	17	and	and	CCONJ
fsr-3390	51	18	concerns	concern	NOUN
fsr-3390	51	19	,	,	PUNCT
fsr-3390	51	20	as	as	ADV
fsr-3390	51	21	well	well	ADV
fsr-3390	51	22	as	as	ADP
fsr-3390	51	23	the	the	DET
fsr-3390	51	24	resources	resource	NOUN
fsr-3390	51	25	needed	need	VERB
fsr-3390	51	26	to	to	PART
fsr-3390	51	27	pay	pay	VERB
fsr-3390	51	28	for	for	ADP
fsr-3390	51	29	services	service	NOUN
fsr-3390	51	30	.	.	PUNCT
fsr-3390	52	1	while	while	SCONJ
fsr-3390	52	2	there	there	PRON
fsr-3390	52	3	is	be	VERB
fsr-3390	52	4	little	little	ADJ
fsr-3390	52	5	consensus	consensus	NOUN
fsr-3390	52	6	on	on	ADP
fsr-3390	52	7	the	the	DET
fsr-3390	52	8	gender	gender	NOUN
fsr-3390	52	9	effect	effect	NOUN
fsr-3390	52	10	,	,	PUNCT
fsr-3390	52	11	gentile	gentile	NOUN
fsr-3390	52	12	et	et	PROPN
fsr-3390	52	13	al	al	PROPN
fsr-3390	52	14	.	.	PUNCT
fsr-3390	53	1	(	(	PUNCT
fsr-3390	53	2	2016	2016	NUM
fsr-3390	53	3	)	)	PUNCT
fsr-3390	53	4	did	do	AUX
fsr-3390	53	5	note	note	VERB
fsr-3390	53	6	that	that	SCONJ
fsr-3390	53	7	women	woman	NOUN
fsr-3390	53	8	seek	seek	VERB
fsr-3390	53	9	the	the	DET
fsr-3390	53	10	help	help	NOUN
fsr-3390	53	11	of	of	ADP
fsr-3390	53	12	professional	professional	ADJ
fsr-3390	53	13	service	service	NOUN
fsr-3390	53	14	providers	provider	NOUN
fsr-3390	53	15	more	more	ADV
fsr-3390	53	16	so	so	ADV
fsr-3390	53	17	than	than	ADP
fsr-3390	53	18	men	man	NOUN
fsr-3390	53	19	.	.	PUNCT
fsr-3390	54	1	generally	generally	ADV
fsr-3390	54	2	speaking	speak	VERB
fsr-3390	54	3	,	,	PUNCT
fsr-3390	54	4	those	those	PRON
fsr-3390	54	5	with	with	ADP
fsr-3390	54	6	high	high	ADJ
fsr-3390	54	7	levels	level	NOUN
fsr-3390	54	8	of	of	ADP
fsr-3390	54	9	attained	attain	VERB
fsr-3390	54	10	education	education	NOUN
fsr-3390	54	11	also	also	ADV
fsr-3390	54	12	seek	seek	VERB
fsr-3390	54	13	out	out	ADP
fsr-3390	54	14	and	and	CCONJ
fsr-3390	54	15	use	use	VERB
fsr-3390	54	16	professional	professional	ADJ
fsr-3390	54	17	financial	financial	ADJ
fsr-3390	54	18	advice	advice	NOUN
fsr-3390	54	19	more	more	ADV
fsr-3390	54	20	so	so	ADV
fsr-3390	54	21	than	than	ADP
fsr-3390	54	22	those	those	PRON
fsr-3390	54	23	with	with	ADP
fsr-3390	54	24	less	less	ADJ
fsr-3390	54	25	attained	attain	VERB
fsr-3390	54	26	education	education	NOUN
fsr-3390	54	27	(	(	PUNCT
fsr-3390	54	28	elmerick	elmerick	NOUN
fsr-3390	54	29	et	et	PROPN
fsr-3390	54	30	al	al	PROPN
fsr-3390	54	31	.	.	PROPN
fsr-3390	54	32	,	,	PUNCT
fsr-3390	54	33	2002	2002	NUM
fsr-3390	54	34	)	)	PUNCT
fsr-3390	54	35	.	.	PUNCT
fsr-3390	55	1	similarly	similarly	ADV
fsr-3390	55	2	,	,	PUNCT
fsr-3390	55	3	help	help	VERB
fsr-3390	55	4	seekers	seeker	NOUN
fsr-3390	55	5	tend	tend	VERB
fsr-3390	55	6	to	to	PART
fsr-3390	55	7	be	be	AUX
fsr-3390	55	8	married	marry	VERB
fsr-3390	55	9	.	.	PUNCT
fsr-3390	56	1	this	this	PRON
fsr-3390	56	2	may	may	AUX
fsr-3390	56	3	be	be	AUX
fsr-3390	56	4	(	(	PUNCT
fsr-3390	56	5	1	1	NUM
fsr-3390	56	6	)	)	PUNCT
fsr-3390	56	7	because	because	SCONJ
fsr-3390	56	8	of	of	ADP
fsr-3390	56	9	increased	increase	VERB
fsr-3390	56	10	complexities	complexity	NOUN
fsr-3390	56	11	faced	face	VERB
fsr-3390	56	12	by	by	ADP
fsr-3390	56	13	married	married	ADJ
fsr-3390	56	14	couples	couple	NOUN
fsr-3390	56	15	,	,	PUNCT
fsr-3390	56	16	(	(	PUNCT
fsr-3390	56	17	2	2	NUM
fsr-3390	56	18	)	)	PUNCT
fsr-3390	56	19	because	because	SCONJ
fsr-3390	56	20	of	of	ADP
fsr-3390	56	21	higher	high	ADJ
fsr-3390	56	22	levels	level	NOUN
fsr-3390	56	23	of	of	ADP
fsr-3390	56	24	net	net	ADJ
fsr-3390	56	25	worth	worth	NOUN
fsr-3390	56	26	with	with	ADP
fsr-3390	56	27	combined	combined	ADJ
fsr-3390	56	28	income	income	NOUN
fsr-3390	56	29	,	,	PUNCT
fsr-3390	56	30	or	or	CCONJ
fsr-3390	56	31	(	(	PUNCT
fsr-3390	56	32	3	3	X
fsr-3390	56	33	)	)	PUNCT
fsr-3390	56	34	the	the	DET
fsr-3390	56	35	need	need	NOUN
fsr-3390	56	36	to	to	PART
fsr-3390	56	37	optimize	optimize	VERB
fsr-3390	56	38	the	the	DET
fsr-3390	56	39	use	use	NOUN
fsr-3390	56	40	of	of	ADP
fsr-3390	56	41	services	service	NOUN
fsr-3390	56	42	to	to	PART
fsr-3390	56	43	increase	increase	VERB
fsr-3390	56	44	time	time	NOUN
fsr-3390	56	45	together	together	ADV
fsr-3390	56	46	as	as	ADP
fsr-3390	56	47	a	a	DET
fsr-3390	56	48	couple	couple	NOUN
fsr-3390	56	49	.	.	PUNCT
fsr-3390	57	1	previous	previous	ADJ
fsr-3390	57	2	research	research	NOUN
fsr-3390	57	3	has	have	AUX
fsr-3390	57	4	shown	show	VERB
fsr-3390	57	5	that	that	SCONJ
fsr-3390	57	6	behavioral	behavioral	ADJ
fsr-3390	57	7	and	and	CCONJ
fsr-3390	57	8	attitudinal	attitudinal	ADJ
fsr-3390	57	9	characteristics	characteristic	NOUN
fsr-3390	57	10	also	also	ADV
fsr-3390	57	11	help	help	VERB
fsr-3390	57	12	describe	describe	VERB
fsr-3390	57	13	help	help	AUX
fsr-3390	57	14	-	-	PUNCT
fsr-3390	57	15	seeking	seek	VERB
fsr-3390	57	16	behavior	behavior	NOUN
fsr-3390	57	17	.	.	PUNCT
fsr-3390	58	1	in	in	ADP
fsr-3390	58	2	the	the	DET
fsr-3390	58	3	gentile	gentile	NOUN
fsr-3390	58	4	et	et	PROPN
fsr-3390	58	5	al	al	PROPN
fsr-3390	58	6	.	.	PUNCT
fsr-3390	59	1	(	(	PUNCT
fsr-3390	59	2	2016	2016	NUM
fsr-3390	59	3	)	)	PUNCT
fsr-3390	59	4	study	study	NOUN
fsr-3390	59	5	,	,	PUNCT
fsr-3390	59	6	the	the	DET
fsr-3390	59	7	researchers	researcher	NOUN
fsr-3390	59	8	noted	note	VERB
fsr-3390	59	9	that	that	SCONJ
fsr-3390	59	10	factors	factor	NOUN
fsr-3390	59	11	such	such	ADJ
fsr-3390	59	12	as	as	ADP
fsr-3390	59	13	saving	save	VERB
fsr-3390	59	14	behavior	behavior	NOUN
fsr-3390	59	15	,	,	PUNCT
fsr-3390	59	16	impulsivity	impulsivity	NOUN
fsr-3390	59	17	,	,	PUNCT
fsr-3390	59	18	financial	financial	ADJ
fsr-3390	59	19	satisfaction	satisfaction	NOUN
fsr-3390	59	20	,	,	PUNCT
fsr-3390	59	21	self	self	NOUN
fsr-3390	59	22	-	-	PUNCT
fsr-3390	59	23	assessed	assess	VERB
fsr-3390	59	24	financial	financial	ADJ
fsr-3390	59	25	knowledge	knowledge	NOUN
fsr-3390	59	26	,	,	PUNCT
fsr-3390	59	27	positive	positive	ADJ
fsr-3390	59	28	perceptions	perception	NOUN
fsr-3390	59	29	of	of	ADP
fsr-3390	59	30	one	one	NUM
fsr-3390	59	31	’s	’s	PART
fsr-3390	59	32	financial	financial	ADJ
fsr-3390	59	33	situation	situation	NOUN
fsr-3390	59	34	,	,	PUNCT
fsr-3390	59	35	level	level	NOUN
fsr-3390	59	36	of	of	ADP
fsr-3390	59	37	engagement	engagement	NOUN
fsr-3390	59	38	in	in	ADP
fsr-3390	59	39	a	a	DET
fsr-3390	59	40	household	household	NOUN
fsr-3390	59	41	’s	’s	PART
fsr-3390	59	42	financial	financial	ADJ
fsr-3390	59	43	affairs	affair	NOUN
fsr-3390	59	44	,	,	PUNCT
fsr-3390	59	45	and	and	CCONJ
fsr-3390	59	46	feelings	feeling	NOUN
fsr-3390	59	47	of	of	ADP
fsr-3390	59	48	regret	regret	NOUN
fsr-3390	59	49	can	can	AUX
fsr-3390	59	50	be	be	AUX
fsr-3390	59	51	used	use	VERB
fsr-3390	59	52	to	to	PART
fsr-3390	59	53	describe	describe	VERB
fsr-3390	59	54	who	who	PRON
fsr-3390	59	55	is	be	AUX
fsr-3390	59	56	likely	likely	ADJ
fsr-3390	59	57	to	to	PART
fsr-3390	59	58	seek	seek	VERB
fsr-3390	59	59	financial	financial	ADJ
fsr-3390	59	60	advice	advice	NOUN
fsr-3390	59	61	from	from	ADP
fsr-3390	59	62	a	a	DET
fsr-3390	59	63	professional	professional	NOUN
fsr-3390	59	64	.	.	PUNCT
fsr-3390	60	1	in	in	ADP
fsr-3390	60	2	general	general	ADJ
fsr-3390	60	3	,	,	PUNCT
fsr-3390	60	4	the	the	DET
fsr-3390	60	5	profile	profile	NOUN
fsr-3390	60	6	of	of	ADP
fsr-3390	60	7	help	help	NOUN
fsr-3390	60	8	-	-	PUNCT
fsr-3390	60	9	seekers	seeker	NOUN
fsr-3390	60	10	includes	include	VERB
fsr-3390	60	11	those	those	PRON
fsr-3390	60	12	who	who	PRON
fsr-3390	60	13	(	(	PUNCT
fsr-3390	60	14	1	1	X
fsr-3390	60	15	)	)	PUNCT
fsr-3390	60	16	take	take	VERB
fsr-3390	60	17	proactive	proactive	ADJ
fsr-3390	60	18	steps	step	NOUN
fsr-3390	60	19	to	to	PART
fsr-3390	60	20	plan	plan	VERB
fsr-3390	60	21	and	and	CCONJ
fsr-3390	60	22	save	save	VERB
fsr-3390	60	23	for	for	ADP
fsr-3390	60	24	the	the	DET
fsr-3390	60	25	future	future	NOUN
fsr-3390	60	26	,	,	PUNCT
fsr-3390	60	27	(	(	PUNCT
fsr-3390	60	28	2	2	X
fsr-3390	60	29	)	)	PUNCT
fsr-3390	60	30	use	use	NOUN
fsr-3390	60	31	and	and	CCONJ
fsr-3390	60	32	stick	stick	VERB
fsr-3390	60	33	to	to	ADP
fsr-3390	60	34	a	a	DET
fsr-3390	60	35	budget	budget	NOUN
fsr-3390	60	36	,	,	PUNCT
fsr-3390	60	37	(	(	PUNCT
fsr-3390	60	38	3	3	X
fsr-3390	60	39	)	)	PUNCT
fsr-3390	60	40	are	be	AUX
fsr-3390	60	41	more	more	ADV
fsr-3390	60	42	knowledgeable	knowledgeable	ADJ
fsr-3390	60	43	,	,	PUNCT
fsr-3390	60	44	(	(	PUNCT
fsr-3390	60	45	4	4	X
fsr-3390	60	46	)	)	PUNCT
fsr-3390	60	47	are	be	AUX
fsr-3390	60	48	confident	confident	ADJ
fsr-3390	60	49	,	,	PUNCT
fsr-3390	60	50	and	and	CCONJ
fsr-3390	60	51	(	(	PUNCT
fsr-3390	60	52	5	5	X
fsr-3390	60	53	)	)	PUNCT
fsr-3390	60	54	are	be	AUX
fsr-3390	60	55	less	less	ADV
fsr-3390	60	56	regretful	regretful	ADJ
fsr-3390	60	57	or	or	CCONJ
fsr-3390	60	58	disappointed	disappointed	ADJ
fsr-3390	60	59	over	over	ADP
fsr-3390	60	60	past	past	ADJ
fsr-3390	60	61	mistakes	mistake	NOUN
fsr-3390	60	62	(	(	PUNCT
fsr-3390	60	63	grable	grable	NOUN
fsr-3390	60	64	and	and	CCONJ
fsr-3390	60	65	joo	joo	NOUN
fsr-3390	60	66	,	,	PUNCT
fsr-3390	60	67	2001	2001	NUM
fsr-3390	60	68	)	)	PUNCT
fsr-3390	60	69	.	.	PUNCT
fsr-3390	61	1	this	this	PRON
fsr-3390	61	2	does	do	AUX
fsr-3390	61	3	not	not	PART
fsr-3390	61	4	mean	mean	VERB
fsr-3390	61	5	that	that	SCONJ
fsr-3390	61	6	these	these	DET
fsr-3390	61	7	factors	factor	NOUN
fsr-3390	61	8	are	be	AUX
fsr-3390	61	9	causal	causal	ADJ
fsr-3390	61	10	characteristics	characteristic	NOUN
fsr-3390	61	11	.	.	PUNCT
fsr-3390	62	1	it	it	PRON
fsr-3390	62	2	is	be	AUX
fsr-3390	62	3	possible	possible	ADJ
fsr-3390	62	4	that	that	SCONJ
fsr-3390	62	5	the	the	DET
fsr-3390	62	6	use	use	NOUN
fsr-3390	62	7	of	of	ADP
fsr-3390	62	8	professional	professional	ADJ
fsr-3390	62	9	services	service	NOUN
fsr-3390	62	10	enhances	enhance	VERB
fsr-3390	62	11	knowledge	knowledge	NOUN
fsr-3390	62	12	attainment	attainment	NOUN
fsr-3390	62	13	,	,	PUNCT
fsr-3390	62	14	confidence	confidence	NOUN
fsr-3390	62	15	,	,	PUNCT
fsr-3390	62	16	and	and	CCONJ
fsr-3390	62	17	other	other	ADJ
fsr-3390	62	18	positive	positive	ADJ
fsr-3390	62	19	personal	personal	ADJ
fsr-3390	62	20	characteristics	characteristic	NOUN
fsr-3390	62	21	.	.	PUNCT
fsr-3390	63	1	instead	instead	ADV
fsr-3390	63	2	,	,	PUNCT
fsr-3390	63	3	what	what	PRON
fsr-3390	63	4	the	the	DET
fsr-3390	63	5	previous	previous	ADJ
fsr-3390	63	6	literature	literature	NOUN
fsr-3390	63	7	does	do	AUX
fsr-3390	63	8	show	show	VERB
fsr-3390	63	9	is	be	AUX
fsr-3390	63	10	that	that	SCONJ
fsr-3390	63	11	those	those	PRON
fsr-3390	63	12	who	who	PRON
fsr-3390	63	13	seek	seek	VERB
fsr-3390	63	14	and	and	CCONJ
fsr-3390	63	15	use	use	VERB
fsr-3390	63	16	help	help	NOUN
fsr-3390	63	17	from	from	ADP
fsr-3390	63	18	professional	professional	ADJ
fsr-3390	63	19	service	service	NOUN
fsr-3390	63	20	providers	provider	NOUN
fsr-3390	63	21	exhibit	exhibit	VERB
fsr-3390	63	22	different	different	ADJ
fsr-3390	63	23	characteristics	characteristic	NOUN
fsr-3390	63	24	from	from	ADP
fsr-3390	63	25	those	those	PRON
fsr-3390	63	26	who	who	PRON
fsr-3390	63	27	obtain	obtain	VERB
fsr-3390	63	28	help	help	NOUN
fsr-3390	63	29	in	in	ADP
fsr-3390	63	30	other	other	ADJ
fsr-3390	63	31	forms	form	NOUN
fsr-3390	63	32	.	.	PUNCT
fsr-3390	64	1	when	when	SCONJ
fsr-3390	64	2	viewed	view	VERB
fsr-3390	64	3	holistically	holistically	ADV
fsr-3390	64	4	,	,	PUNCT
fsr-3390	64	5	the	the	DET
fsr-3390	64	6	profile	profile	NOUN
fsr-3390	64	7	of	of	ADP
fsr-3390	64	8	someone	someone	PRON
fsr-3390	64	9	who	who	PRON
fsr-3390	64	10	is	be	AUX
fsr-3390	64	11	most	most	ADV
fsr-3390	64	12	likely	likely	ADJ
fsr-3390	64	13	to	to	PART
fsr-3390	64	14	work	work	VERB
fsr-3390	64	15	with	with	ADP
fsr-3390	64	16	a	a	DET
fsr-3390	64	17	traditional	traditional	ADJ
fsr-3390	64	18	financial	financial	ADJ
fsr-3390	64	19	planner	planner	NOUN
fsr-3390	64	20	is	be	AUX
fsr-3390	64	21	that	that	PRON
fsr-3390	64	22	of	of	ADP
fsr-3390	64	23	an	an	DET
fsr-3390	64	24	affluent	affluent	ADJ
fsr-3390	64	25	,	,	PUNCT
fsr-3390	64	26	well	well	ADV
fsr-3390	64	27	educated	educate	VERB
fsr-3390	64	28	,	,	PUNCT
fsr-3390	64	29	knowledgeable	knowledgeable	ADJ
fsr-3390	64	30	person	person	NOUN
fsr-3390	64	31	who	who	PRON
fsr-3390	64	32	has	have	VERB
fsr-3390	64	33	a	a	DET
fsr-3390	64	34	longer	long	ADV
fsr-3390	64	35	planning	planning	NOUN
fsr-3390	64	36	horizon	horizon	NOUN
fsr-3390	64	37	(	(	PUNCT
fsr-3390	64	38	chatterjee	chatterjee	NOUN
fsr-3390	64	39	and	and	CCONJ
fsr-3390	64	40	zahirovic	zahirovic	PROPN
fsr-3390	64	41	-	-	PUNCT
fsr-3390	64	42	herbert	herbert	PROPN
fsr-3390	64	43	,	,	PUNCT
fsr-3390	64	44	2010	2010	NUM
fsr-3390	64	45	;	;	PUNCT
fsr-3390	64	46	salter	salter	PROPN
fsr-3390	64	47	et	et	PROPN
fsr-3390	64	48	al	al	PROPN
fsr-3390	64	49	.	.	PROPN
fsr-3390	64	50	,	,	PUNCT
fsr-3390	64	51	2010	2010	NUM
fsr-3390	64	52	)	)	PUNCT
fsr-3390	64	53	.	.	PUNCT
fsr-3390	65	1	of	of	ADP
fsr-3390	65	2	interest	interest	NOUN
fsr-3390	65	3	,	,	PUNCT
fsr-3390	65	4	beyond	beyond	ADP
fsr-3390	65	5	acknowledging	acknowledge	VERB
fsr-3390	65	6	that	that	SCONJ
fsr-3390	65	7	younger	young	ADJ
fsr-3390	65	8	,	,	PUNCT
fsr-3390	65	9	technologically	technologically	ADV
fsr-3390	65	10	savvy	savvy	ADJ
fsr-3390	65	11	individuals	individual	NOUN
fsr-3390	65	12	are	be	AUX
fsr-3390	65	13	more	more	ADV
fsr-3390	65	14	likely	likely	ADJ
fsr-3390	65	15	to	to	PART
fsr-3390	65	16	use	use	VERB
fsr-3390	65	17	robo	robo	NOUN
fsr-3390	65	18	-	-	PUNCT
fsr-3390	65	19	advisory	advisory	ADJ
fsr-3390	65	20	services	service	NOUN
fsr-3390	65	21	,	,	PUNCT
fsr-3390	65	22	little	little	ADJ
fsr-3390	65	23	is	be	AUX
fsr-3390	65	24	known	know	VERB
fsr-3390	65	25	about	about	ADP
fsr-3390	65	26	the	the	DET
fsr-3390	65	27	shared	share	VERB
fsr-3390	65	28	demographic	demographic	ADJ
fsr-3390	65	29	,	,	PUNCT
fsr-3390	65	30	attitudinal	attitudinal	ADJ
fsr-3390	65	31	,	,	PUNCT
fsr-3390	65	32	and	and	CCONJ
fsr-3390	65	33	behavioral	behavioral	ADJ
fsr-3390	65	34	characteristics	characteristic	NOUN
fsr-3390	65	35	of	of	ADP
fsr-3390	65	36	those	those	PRON
fsr-3390	65	37	who	who	PRON
fsr-3390	65	38	work	work	VERB
fsr-3390	65	39	with	with	ADP
fsr-3390	65	40	financial	financial	ADJ
fsr-3390	65	41	planners	planner	NOUN
fsr-3390	65	42	and/or	and/or	CCONJ
fsr-3390	65	43	roboadvisors	roboadvisor	NOUN
fsr-3390	65	44	.	.	PUNCT
fsr-3390	66	1	a	a	DET
fsr-3390	66	2	primary	primary	ADJ
fsr-3390	66	3	outcome	outcome	NOUN
fsr-3390	66	4	associated	associate	VERB
fsr-3390	66	5	with	with	ADP
fsr-3390	66	6	this	this	DET
fsr-3390	66	7	study	study	NOUN
fsr-3390	66	8	was	be	AUX
fsr-3390	66	9	to	to	PART
fsr-3390	66	10	address	address	VERB
fsr-3390	66	11	this	this	DET
fsr-3390	66	12	gap	gap	NOUN
fsr-3390	66	13	in	in	ADP
fsr-3390	66	14	the	the	DET
fsr-3390	66	15	literature	literature	NOUN
fsr-3390	66	16	.	.	PUNCT
fsr-3390	67	1	2.2	2.2	NUM
fsr-3390	67	2	.	.	PUNCT
fsr-3390	67	3	methodology	methodology	NOUN
fsr-3390	67	4	data	datum	NOUN
fsr-3390	67	5	for	for	ADP
fsr-3390	67	6	this	this	DET
fsr-3390	67	7	study	study	NOUN
fsr-3390	67	8	were	be	AUX
fsr-3390	67	9	obtained	obtain	VERB
fsr-3390	67	10	from	from	ADP
fsr-3390	67	11	the	the	DET
fsr-3390	67	12	online	online	ADJ
fsr-3390	67	13	mechanical	mechanical	ADJ
fsr-3390	67	14	turk	turk	PROPN
fsr-3390	67	15	(	(	PUNCT
fsr-3390	67	16	mturk	mturk	PROPN
fsr-3390	67	17	)	)	PUNCT
fsr-3390	67	18	survey	survey	NOUN
fsr-3390	67	19	system	system	NOUN
fsr-3390	67	20	.	.	PUNCT
fsr-3390	68	1	survey	survey	NOUN
fsr-3390	68	2	participants	participant	NOUN
fsr-3390	68	3	were	be	AUX
fsr-3390	68	4	recruited	recruit	VERB
fsr-3390	68	5	during	during	ADP
fsr-3390	68	6	fall	fall	NOUN
fsr-3390	68	7	2015	2015	NUM
fsr-3390	68	8	.	.	PUNCT
fsr-3390	69	1	criteria	criterion	NOUN
fsr-3390	69	2	for	for	ADP
fsr-3390	69	3	inclusion	inclusion	NOUN
fsr-3390	69	4	in	in	ADP
fsr-3390	69	5	the	the	DET
fsr-3390	69	6	study	study	NOUN
fsr-3390	69	7	included	include	VERB
fsr-3390	69	8	a	a	DET
fsr-3390	69	9	requirement	requirement	NOUN
fsr-3390	69	10	that	that	SCONJ
fsr-3390	69	11	participants	participant	NOUN
fsr-3390	69	12	be	be	VERB
fsr-3390	69	13	primarily	primarily	ADV
fsr-3390	69	14	or	or	CCONJ
fsr-3390	69	15	jointly	jointly	ADV
fsr-3390	69	16	responsible	responsible	ADJ
fsr-3390	69	17	for	for	ADP
fsr-3390	69	18	the	the	DET
fsr-3390	69	19	management	management	NOUN
fsr-3390	69	20	of	of	ADP
fsr-3390	69	21	household	household	NOUN
fsr-3390	69	22	financial	financial	ADJ
fsr-3390	69	23	decisions	decision	NOUN
fsr-3390	69	24	.	.	PUNCT
fsr-3390	70	1	additionally	additionally	ADV
fsr-3390	70	2	,	,	PUNCT
fsr-3390	70	3	participants	participant	NOUN
fsr-3390	70	4	needed	need	VERB
fsr-3390	70	5	to	to	PART
fsr-3390	70	6	have	have	VERB
fsr-3390	70	7	at	at	ADV
fsr-3390	70	8	least	least	ADV
fsr-3390	70	9	$	$	SYM
fsr-3390	70	10	25,000	25,000	NUM
fsr-3390	70	11	in	in	ADP
fsr-3390	70	12	household	household	NOUN
fsr-3390	70	13	income	income	NOUN
fsr-3390	70	14	and	and	CCONJ
fsr-3390	70	15	be	be	AUX
fsr-3390	70	16	able	able	ADJ
fsr-3390	70	17	to	to	PART
fsr-3390	70	18	identify	identify	VERB
fsr-3390	70	19	the	the	DET
fsr-3390	70	20	basic	basic	ADJ
fsr-3390	70	21	definition	definition	NOUN
fsr-3390	70	22	of	of	ADP
fsr-3390	70	23	net	net	ADJ
fsr-3390	70	24	worth	worth	NOUN
fsr-3390	70	25	.	.	PUNCT
fsr-3390	71	1	specifically	specifically	ADV
fsr-3390	71	2	,	,	PUNCT
fsr-3390	71	3	potential	potential	ADJ
fsr-3390	71	4	participants	participant	NOUN
fsr-3390	71	5	needed	need	VERB
fsr-3390	71	6	to	to	PART
fsr-3390	71	7	answer	answer	VERB
fsr-3390	71	8	the	the	DET
fsr-3390	71	9	following	following	ADJ
fsr-3390	71	10	question	question	NOUN
fsr-3390	71	11	correctly	correctly	ADV
fsr-3390	71	12	:	:	PUNCT
fsr-3390	71	13	“	"	PUNCT
fsr-3390	71	14	how	how	SCONJ
fsr-3390	71	15	is	be	AUX
fsr-3390	71	16	net	net	ADJ
fsr-3390	71	17	worth	worth	NOUN
fsr-3390	71	18	calculated	calculate	VERB
fsr-3390	71	19	?	?	PUNCT
fsr-3390	71	20	”	"	PUNCT
fsr-3390	71	21	in	in	ADP
fsr-3390	71	22	total	total	ADJ
fsr-3390	71	23	,	,	PUNCT
fsr-3390	71	24	608	608	NUM
fsr-3390	71	25	individuals	individual	NOUN
fsr-3390	71	26	met	meet	VERB
fsr-3390	71	27	each	each	DET
fsr-3390	71	28	requirement	requirement	NOUN
fsr-3390	71	29	and	and	CCONJ
fsr-3390	71	30	responded	respond	VERB
fsr-3390	71	31	to	to	ADP
fsr-3390	71	32	the	the	DET
fsr-3390	71	33	survey	survey	NOUN
fsr-3390	71	34	questions	question	NOUN
fsr-3390	71	35	.	.	PUNCT
fsr-3390	72	1	it	it	PRON
fsr-3390	72	2	is	be	AUX
fsr-3390	72	3	important	important	ADJ
fsr-3390	72	4	to	to	PART
fsr-3390	72	5	note	note	VERB
fsr-3390	72	6	that	that	SCONJ
fsr-3390	72	7	the	the	DET
fsr-3390	72	8	sample	sample	NOUN
fsr-3390	72	9	was	be	AUX
fsr-3390	72	10	not	not	PART
fsr-3390	72	11	designed	design	VERB
fsr-3390	72	12	to	to	PART
fsr-3390	72	13	be	be	AUX
fsr-3390	72	14	nationally	nationally	ADV
fsr-3390	72	15	representative	representative	ADJ
fsr-3390	72	16	,	,	PUNCT
fsr-3390	72	17	but	but	CCONJ
fsr-3390	72	18	rather	rather	ADV
fsr-3390	72	19	,	,	PUNCT
fsr-3390	72	20	the	the	DET
fsr-3390	72	21	sample	sample	NOUN
fsr-3390	72	22	was	be	AUX
fsr-3390	72	23	designed	design	VERB
fsr-3390	72	24	to	to	PART
fsr-3390	72	25	capture	capture	VERB
fsr-3390	72	26	the	the	DET
fsr-3390	72	27	current	current	ADJ
fsr-3390	72	28	and	and	CCONJ
fsr-3390	72	29	future	future	ADJ
fsr-3390	72	30	176	176	NUM
fsr-3390	72	31	m.	m.	NOUN
fsr-3390	72	32	fulk	fulk	PROPN
fsr-3390	72	33	et	et	PROPN
fsr-3390	72	34	al	al	PROPN
fsr-3390	72	35	.	.	PUNCT
fsr-3390	72	36	/	/	SYM
fsr-3390	72	37	financial	financial	ADJ
fsr-3390	72	38	services	service	NOUN
fsr-3390	72	39	review	review	VERB
fsr-3390	72	40	27	27	NUM
fsr-3390	72	41	(	(	PUNCT
fsr-3390	72	42	2018	2018	NUM
fsr-3390	72	43	)	)	PUNCT
fsr-3390	72	44	173	173	NUM
fsr-3390	72	45	-	-	SYM
fsr-3390	72	46	188	188	NUM
fsr-3390	72	47	help	help	NOUN
fsr-3390	72	48	-	-	PUNCT
fsr-3390	72	49	seeking	seek	VERB
fsr-3390	72	50	characteristics	characteristic	NOUN
fsr-3390	72	51	of	of	ADP
fsr-3390	72	52	relatively	relatively	ADV
fsr-3390	72	53	affluent	affluent	ADJ
fsr-3390	72	54	consumers	consumer	NOUN
fsr-3390	72	55	(	(	PUNCT
fsr-3390	72	56	i.e.	i.e.	X
fsr-3390	72	57	,	,	PUNCT
fsr-3390	72	58	those	those	PRON
fsr-3390	72	59	who	who	PRON
fsr-3390	72	60	have	have	VERB
fsr-3390	72	61	the	the	DET
fsr-3390	72	62	financial	financial	ADJ
fsr-3390	72	63	capacity	capacity	NOUN
fsr-3390	72	64	to	to	PART
fsr-3390	72	65	pay	pay	VERB
fsr-3390	72	66	for	for	ADP
fsr-3390	72	67	financial	financial	ADJ
fsr-3390	72	68	planning	planning	NOUN
fsr-3390	72	69	services	service	NOUN
fsr-3390	72	70	)	)	PUNCT
fsr-3390	72	71	.	.	PUNCT
fsr-3390	73	1	the	the	DET
fsr-3390	73	2	outcome	outcome	NOUN
fsr-3390	73	3	variable	variable	NOUN
fsr-3390	73	4	of	of	ADP
fsr-3390	73	5	interest	interest	NOUN
fsr-3390	73	6	in	in	ADP
fsr-3390	73	7	this	this	DET
fsr-3390	73	8	study	study	NOUN
fsr-3390	73	9	was	be	AUX
fsr-3390	73	10	developed	develop	VERB
fsr-3390	73	11	based	base	VERB
fsr-3390	73	12	on	on	ADP
fsr-3390	73	13	participants	participant	NOUN
fsr-3390	73	14	’	'	PUNCT
fsr-3390	73	15	answers	answer	NOUN
fsr-3390	73	16	to	to	ADP
fsr-3390	73	17	two	two	NUM
fsr-3390	73	18	questions	question	NOUN
fsr-3390	73	19	.	.	PUNCT
fsr-3390	74	1	the	the	DET
fsr-3390	74	2	first	first	ADJ
fsr-3390	74	3	asked	ask	VERB
fsr-3390	74	4	participants	participant	NOUN
fsr-3390	74	5	about	about	ADP
fsr-3390	74	6	their	their	PRON
fsr-3390	74	7	use	use	NOUN
fsr-3390	74	8	of	of	ADP
fsr-3390	74	9	robo	robo	NOUN
fsr-3390	74	10	-	-	PUNCT
fsr-3390	74	11	advisory	advisory	ADJ
fsr-3390	74	12	services	service	NOUN
fsr-3390	74	13	(	(	PUNCT
fsr-3390	74	14	automated	automate	VERB
fsr-3390	74	15	investment	investment	NOUN
fsr-3390	74	16	technology	technology	NOUN
fsr-3390	74	17	)	)	PUNCT
fsr-3390	74	18	.	.	PUNCT
fsr-3390	75	1	specifically	specifically	ADV
fsr-3390	75	2	,	,	PUNCT
fsr-3390	75	3	each	each	DET
fsr-3390	75	4	participant	participant	NOUN
fsr-3390	75	5	was	be	AUX
fsr-3390	75	6	asked	ask	VERB
fsr-3390	75	7	to	to	PART
fsr-3390	75	8	indicate	indicate	VERB
fsr-3390	75	9	whether	whether	SCONJ
fsr-3390	75	10	she	she	PRON
fsr-3390	75	11	or	or	CCONJ
fsr-3390	75	12	he	he	PRON
fsr-3390	75	13	“	"	PUNCT
fsr-3390	75	14	invests	invest	VERB
fsr-3390	75	15	with	with	ADP
fsr-3390	75	16	a	a	DET
fsr-3390	75	17	robo	robo	NOUN
fsr-3390	75	18	-	-	PUNCT
fsr-3390	75	19	advisor	advisor	NOUN
fsr-3390	75	20	(	(	PUNCT
fsr-3390	75	21	automated	automate	VERB
fsr-3390	75	22	investment	investment	NOUN
fsr-3390	75	23	technology	technology	NOUN
fsr-3390	75	24	)	)	PUNCT
fsr-3390	75	25	.	.	PUNCT
fsr-3390	75	26	”	"	PUNCT
fsr-3390	76	1	the	the	DET
fsr-3390	76	2	second	second	ADJ
fsr-3390	76	3	question	question	NOUN
fsr-3390	76	4	asked	ask	VERB
fsr-3390	76	5	about	about	ADP
fsr-3390	76	6	each	each	DET
fsr-3390	76	7	participant	participant	NOUN
fsr-3390	76	8	’s	’s	PART
fsr-3390	76	9	experience	experience	NOUN
fsr-3390	76	10	working	work	VERB
fsr-3390	76	11	with	with	ADP
fsr-3390	76	12	a	a	DET
fsr-3390	76	13	traditional	traditional	ADJ
fsr-3390	76	14	financial	financial	ADJ
fsr-3390	76	15	planner	planner	NOUN
fsr-3390	76	16	.	.	PUNCT
fsr-3390	77	1	participants	participant	NOUN
fsr-3390	77	2	were	be	AUX
fsr-3390	77	3	asked	ask	VERB
fsr-3390	77	4	to	to	PART
fsr-3390	77	5	indicate	indicate	VERB
fsr-3390	77	6	if	if	SCONJ
fsr-3390	77	7	they	they	PRON
fsr-3390	77	8	“	"	PUNCT
fsr-3390	77	9	currently	currently	ADV
fsr-3390	77	10	work	work	VERB
fsr-3390	77	11	directly	directly	ADV
fsr-3390	77	12	with	with	ADP
fsr-3390	77	13	a	a	DET
fsr-3390	77	14	financial	financial	ADJ
fsr-3390	77	15	advisor	advisor	NOUN
fsr-3390	77	16	,	,	PUNCT
fsr-3390	77	17	wealth	wealth	NOUN
fsr-3390	77	18	manager	manager	NOUN
fsr-3390	77	19	,	,	PUNCT
fsr-3390	77	20	or	or	CCONJ
fsr-3390	77	21	other	other	ADJ
fsr-3390	77	22	professional	professional	ADJ
fsr-3390	77	23	advisor	advisor	NOUN
fsr-3390	77	24	to	to	PART
fsr-3390	77	25	help	help	VERB
fsr-3390	77	26	you	you	PRON
fsr-3390	77	27	manage	manage	VERB
fsr-3390	77	28	your	your	PRON
fsr-3390	77	29	finances	finance	NOUN
fsr-3390	77	30	and/or	and/or	CCONJ
fsr-3390	77	31	manage	manage	VERB
fsr-3390	77	32	your	your	PRON
fsr-3390	77	33	investments	investment	NOUN
fsr-3390	77	34	.	.	PUNCT
fsr-3390	77	35	”	"	PUNCT
fsr-3390	78	1	three	three	NUM
fsr-3390	78	2	response	response	NOUN
fsr-3390	78	3	categories	category	NOUN
fsr-3390	78	4	were	be	AUX
fsr-3390	78	5	provided	provide	VERB
fsr-3390	78	6	for	for	ADP
fsr-3390	78	7	each	each	DET
fsr-3390	78	8	question	question	NOUN
fsr-3390	78	9	:	:	PUNCT
fsr-3390	78	10	(	(	PUNCT
fsr-3390	78	11	1	1	X
fsr-3390	78	12	)	)	PUNCT
fsr-3390	78	13	i	i	PRON
fsr-3390	78	14	currently	currently	ADV
fsr-3390	78	15	use	use	VERB
fsr-3390	78	16	this	this	DET
fsr-3390	78	17	service	service	NOUN
fsr-3390	78	18	;	;	PUNCT
fsr-3390	78	19	(	(	PUNCT
fsr-3390	78	20	2	2	X
fsr-3390	78	21	)	)	PUNCT
fsr-3390	78	22	i	i	PRON
fsr-3390	78	23	do	do	AUX
fsr-3390	78	24	not	not	PART
fsr-3390	78	25	use	use	VERB
fsr-3390	78	26	this	this	DET
fsr-3390	78	27	service	service	NOUN
fsr-3390	78	28	but	but	CCONJ
fsr-3390	78	29	plan	plan	NOUN
fsr-3390	78	30	to	to	PART
fsr-3390	78	31	;	;	PUNCT
fsr-3390	78	32	and	and	CCONJ
fsr-3390	78	33	(	(	PUNCT
fsr-3390	78	34	3	3	X
fsr-3390	78	35	)	)	PUNCT
fsr-3390	78	36	i	i	PRON
fsr-3390	78	37	do	do	AUX
fsr-3390	78	38	not	not	PART
fsr-3390	78	39	use	use	VERB
fsr-3390	78	40	this	this	DET
fsr-3390	78	41	service	service	NOUN
fsr-3390	78	42	,	,	PUNCT
fsr-3390	78	43	and	and	CCONJ
fsr-3390	78	44	i	i	PRON
fsr-3390	78	45	do	do	AUX
fsr-3390	78	46	not	not	PART
fsr-3390	78	47	plan	plan	VERB
fsr-3390	78	48	to	to	PART
fsr-3390	78	49	.	.	PUNCT
fsr-3390	79	1	answers	answer	NOUN
fsr-3390	79	2	were	be	AUX
fsr-3390	79	3	recoded	recode	VERB
fsr-3390	79	4	dichotomously	dichotomously	ADV
fsr-3390	79	5	so	so	SCONJ
fsr-3390	79	6	that	that	SCONJ
fsr-3390	79	7	1	1	NUM
fsr-3390	79	8	�	�	PROPN
fsr-3390	79	9	currently	currently	ADV
fsr-3390	79	10	use	use	VERB
fsr-3390	79	11	or	or	CCONJ
fsr-3390	79	12	plan	plan	VERB
fsr-3390	79	13	to	to	PART
fsr-3390	79	14	use	use	VERB
fsr-3390	79	15	the	the	DET
fsr-3390	79	16	service	service	NOUN
fsr-3390	79	17	and	and	CCONJ
fsr-3390	79	18	0	0	NUM
fsr-3390	79	19	�	�	PROPN
fsr-3390	79	20	do	do	AUX
fsr-3390	79	21	not	not	PART
fsr-3390	79	22	use	use	VERB
fsr-3390	79	23	and	and	CCONJ
fsr-3390	79	24	do	do	AUX
fsr-3390	79	25	not	not	PART
fsr-3390	79	26	plan	plan	VERB
fsr-3390	79	27	to	to	PART
fsr-3390	79	28	use	use	VERB
fsr-3390	79	29	the	the	DET
fsr-3390	79	30	service	service	NOUN
fsr-3390	79	31	.	.	PUNCT
fsr-3390	80	1	the	the	DET
fsr-3390	80	2	final	final	ADJ
fsr-3390	80	3	outcome	outcome	NOUN
fsr-3390	80	4	variable	variable	NOUN
fsr-3390	80	5	was	be	AUX
fsr-3390	80	6	then	then	ADV
fsr-3390	80	7	coded	code	VERB
fsr-3390	80	8	as	as	ADP
fsr-3390	80	9	:	:	SYM
fsr-3390	80	10	1	1	NUM
fsr-3390	80	11	�	�	NOUN
fsr-3390	80	12	only	only	ADV
fsr-3390	80	13	use	use	VERB
fsr-3390	80	14	a	a	DET
fsr-3390	80	15	robo	robo	NOUN
fsr-3390	80	16	-	-	PUNCT
fsr-3390	80	17	advisor	advisor	NOUN
fsr-3390	80	18	,	,	PUNCT
fsr-3390	80	19	2	2	NUM
fsr-3390	80	20	�	�	NOUN
fsr-3390	80	21	only	only	ADV
fsr-3390	80	22	use	use	VERB
fsr-3390	80	23	a	a	DET
fsr-3390	80	24	financial	financial	ADJ
fsr-3390	80	25	planner	planner	NOUN
fsr-3390	80	26	,	,	PUNCT
fsr-3390	80	27	3	3	NUM
fsr-3390	80	28	�	�	NOUN
fsr-3390	80	29	use	use	VERB
fsr-3390	80	30	both	both	PRON
fsr-3390	80	31	a	a	DET
fsr-3390	80	32	robo	robo	NOUN
fsr-3390	80	33	-	-	PUNCT
fsr-3390	80	34	advisor	advisor	NOUN
fsr-3390	80	35	and	and	CCONJ
fsr-3390	80	36	financial	financial	ADJ
fsr-3390	80	37	planner	planner	NOUN
fsr-3390	80	38	,	,	PUNCT
fsr-3390	80	39	and	and	CCONJ
fsr-3390	80	40	4	4	NUM
fsr-3390	80	41	�	�	NOUN
fsr-3390	80	42	use	use	VERB
fsr-3390	80	43	neither	neither	CCONJ
fsr-3390	80	44	a	a	DET
fsr-3390	80	45	robo	robo	NOUN
fsr-3390	80	46	-	-	PUNCT
fsr-3390	80	47	advisor	advisor	NOUN
fsr-3390	80	48	nor	nor	CCONJ
fsr-3390	80	49	financial	financial	ADJ
fsr-3390	80	50	planner	planner	NOUN
fsr-3390	80	51	.	.	PUNCT
fsr-3390	81	1	approximately	approximately	ADV
fsr-3390	81	2	9	9	NUM
fsr-3390	81	3	%	%	NOUN
fsr-3390	81	4	,	,	PUNCT
fsr-3390	81	5	29	29	NUM
fsr-3390	81	6	%	%	NOUN
fsr-3390	81	7	,	,	PUNCT
fsr-3390	81	8	11	11	NUM
fsr-3390	81	9	%	%	NOUN
fsr-3390	81	10	,	,	PUNCT
fsr-3390	81	11	and	and	CCONJ
fsr-3390	81	12	51	51	NUM
fsr-3390	81	13	%	%	NOUN
fsr-3390	81	14	of	of	ADP
fsr-3390	81	15	survey	survey	NOUN
fsr-3390	81	16	participants	participant	NOUN
fsr-3390	81	17	fell	fall	VERB
fsr-3390	81	18	into	into	ADP
fsr-3390	81	19	each	each	DET
fsr-3390	81	20	category	category	NOUN
fsr-3390	81	21	,	,	PUNCT
fsr-3390	81	22	respectively	respectively	ADV
fsr-3390	81	23	.	.	PUNCT
fsr-3390	82	1	fifteen	fifteen	NUM
fsr-3390	82	2	independent	independent	ADJ
fsr-3390	82	3	variables	variable	NOUN
fsr-3390	82	4	were	be	AUX
fsr-3390	82	5	used	use	VERB
fsr-3390	82	6	to	to	PART
fsr-3390	82	7	identify	identify	VERB
fsr-3390	82	8	the	the	DET
fsr-3390	82	9	help	help	NOUN
fsr-3390	82	10	-	-	PUNCT
fsr-3390	82	11	seeking	seek	VERB
fsr-3390	82	12	characteristics	characteristic	NOUN
fsr-3390	82	13	of	of	ADP
fsr-3390	82	14	participants	participant	NOUN
fsr-3390	82	15	.	.	PUNCT
fsr-3390	83	1	the	the	DET
fsr-3390	83	2	choice	choice	NOUN
fsr-3390	83	3	of	of	ADP
fsr-3390	83	4	the	the	DET
fsr-3390	83	5	variables	variable	NOUN
fsr-3390	83	6	was	be	AUX
fsr-3390	83	7	based	base	VERB
fsr-3390	83	8	on	on	ADP
fsr-3390	83	9	a	a	DET
fsr-3390	83	10	review	review	NOUN
fsr-3390	83	11	of	of	ADP
fsr-3390	83	12	the	the	DET
fsr-3390	83	13	financial	financial	ADJ
fsr-3390	83	14	help	help	NOUN
fsr-3390	83	15	-	-	PUNCT
fsr-3390	83	16	seeking	seek	VERB
fsr-3390	83	17	literature	literature	NOUN
fsr-3390	83	18	.	.	PUNCT
fsr-3390	84	1	age	age	NOUN
fsr-3390	84	2	was	be	AUX
fsr-3390	84	3	measured	measure	VERB
fsr-3390	84	4	as	as	ADP
fsr-3390	84	5	a	a	DET
fsr-3390	84	6	continuous	continuous	ADJ
fsr-3390	84	7	variable	variable	NOUN
fsr-3390	84	8	.	.	PUNCT
fsr-3390	85	1	the	the	DET
fsr-3390	85	2	mean	mean	ADJ
fsr-3390	85	3	,	,	PUNCT
fsr-3390	85	4	median	median	ADJ
fsr-3390	85	5	,	,	PUNCT
fsr-3390	85	6	and	and	CCONJ
fsr-3390	85	7	standard	standard	ADJ
fsr-3390	85	8	deviation	deviation	NOUN
fsr-3390	85	9	of	of	ADP
fsr-3390	85	10	the	the	DET
fsr-3390	85	11	age	age	NOUN
fsr-3390	85	12	variable	variable	NOUN
fsr-3390	85	13	was	be	AUX
fsr-3390	85	14	35.85	35.85	NUM
fsr-3390	85	15	,	,	PUNCT
fsr-3390	85	16	33.00	33.00	NUM
fsr-3390	85	17	,	,	PUNCT
fsr-3390	85	18	and	and	CCONJ
fsr-3390	85	19	10.76	10.76	NUM
fsr-3390	85	20	years	year	NOUN
fsr-3390	85	21	,	,	PUNCT
fsr-3390	85	22	respectively	respectively	ADV
fsr-3390	85	23	.	.	PUNCT
fsr-3390	86	1	gender	gender	NOUN
fsr-3390	86	2	was	be	AUX
fsr-3390	86	3	coded	code	VERB
fsr-3390	86	4	1	1	NUM
fsr-3390	86	5	�	�	NOUN
fsr-3390	86	6	female	female	ADJ
fsr-3390	86	7	and	and	CCONJ
fsr-3390	86	8	0	0	NUM
fsr-3390	86	9	�	�	PROPN
fsr-3390	86	10	male	male	NOUN
fsr-3390	86	11	.	.	PUNCT
fsr-3390	87	1	the	the	DET
fsr-3390	87	2	sample	sample	NOUN
fsr-3390	87	3	was	be	AUX
fsr-3390	87	4	split	split	VERB
fsr-3390	87	5	almost	almost	ADV
fsr-3390	87	6	evenly	evenly	ADV
fsr-3390	87	7	between	between	ADP
fsr-3390	87	8	women	woman	NOUN
fsr-3390	87	9	and	and	CCONJ
fsr-3390	87	10	men	man	NOUN
fsr-3390	87	11	.	.	PUNCT
fsr-3390	88	1	education	education	NOUN
fsr-3390	88	2	was	be	AUX
fsr-3390	88	3	measured	measure	VERB
fsr-3390	88	4	on	on	ADP
fsr-3390	88	5	an	an	DET
fsr-3390	88	6	ordinal	ordinal	ADJ
fsr-3390	88	7	scale	scale	NOUN
fsr-3390	88	8	with	with	ADP
fsr-3390	88	9	eight	eight	NUM
fsr-3390	88	10	categories	category	NOUN
fsr-3390	88	11	:	:	PUNCT
fsr-3390	88	12	(	(	PUNCT
fsr-3390	88	13	1	1	X
fsr-3390	88	14	)	)	PUNCT
fsr-3390	88	15	high	high	ADJ
fsr-3390	88	16	school	school	NOUN
fsr-3390	88	17	graduate	graduate	NOUN
fsr-3390	88	18	,	,	PUNCT
fsr-3390	88	19	(	(	PUNCT
fsr-3390	88	20	2	2	X
fsr-3390	88	21	)	)	PUNCT
fsr-3390	88	22	some	some	DET
fsr-3390	88	23	college	college	NOUN
fsr-3390	88	24	,	,	PUNCT
fsr-3390	88	25	no	no	DET
fsr-3390	88	26	degree	degree	NOUN
fsr-3390	88	27	,	,	PUNCT
fsr-3390	88	28	(	(	PUNCT
fsr-3390	88	29	3	3	X
fsr-3390	88	30	)	)	PUNCT
fsr-3390	88	31	associate	associate	NOUN
fsr-3390	88	32	’s	’s	PART
fsr-3390	88	33	degree	degree	NOUN
fsr-3390	88	34	,	,	PUNCT
fsr-3390	88	35	occupational	occupational	ADJ
fsr-3390	88	36	,	,	PUNCT
fsr-3390	88	37	(	(	PUNCT
fsr-3390	88	38	4	4	X
fsr-3390	88	39	)	)	PUNCT
fsr-3390	88	40	associate	associate	NOUN
fsr-3390	88	41	’s	’s	PART
fsr-3390	88	42	degree	degree	NOUN
fsr-3390	88	43	,	,	PUNCT
fsr-3390	88	44	academic	academic	ADJ
fsr-3390	88	45	,	,	PUNCT
fsr-3390	88	46	(	(	PUNCT
fsr-3390	88	47	5	5	X
fsr-3390	88	48	)	)	PUNCT
fsr-3390	88	49	bachelor	bachelor	NOUN
fsr-3390	88	50	’s	’s	PART
fsr-3390	88	51	degree	degree	NOUN
fsr-3390	88	52	,	,	PUNCT
fsr-3390	88	53	(	(	PUNCT
fsr-3390	88	54	6	6	X
fsr-3390	88	55	)	)	PUNCT
fsr-3390	88	56	master	master	NOUN
fsr-3390	88	57	’s	’s	PART
fsr-3390	88	58	degree	degree	NOUN
fsr-3390	88	59	,	,	PUNCT
fsr-3390	88	60	(	(	PUNCT
fsr-3390	88	61	7	7	X
fsr-3390	88	62	)	)	PUNCT
fsr-3390	88	63	doctoral	doctoral	ADJ
fsr-3390	88	64	degree	degree	NOUN
fsr-3390	88	65	,	,	PUNCT
fsr-3390	88	66	and	and	CCONJ
fsr-3390	88	67	(	(	PUNCT
fsr-3390	88	68	8)	8)	NUM
fsr-3390	88	69	professional	professional	ADJ
fsr-3390	88	70	degree	degree	NOUN
fsr-3390	88	71	.	.	PUNCT
fsr-3390	89	1	over	over	ADP
fsr-3390	89	2	60	60	NUM
fsr-3390	89	3	%	%	NOUN
fsr-3390	89	4	of	of	ADP
fsr-3390	89	5	study	study	NOUN
fsr-3390	89	6	participants	participant	NOUN
fsr-3390	89	7	held	hold	VERB
fsr-3390	89	8	a	a	DET
fsr-3390	89	9	bachelor	bachelor	NOUN
fsr-3390	89	10	’s	’s	PART
fsr-3390	89	11	degree	degree	NOUN
fsr-3390	89	12	or	or	CCONJ
fsr-3390	89	13	higher	high	ADJ
fsr-3390	89	14	level	level	NOUN
fsr-3390	89	15	of	of	ADP
fsr-3390	89	16	education	education	NOUN
fsr-3390	89	17	.	.	PUNCT
fsr-3390	90	1	over	over	ADP
fsr-3390	90	2	95	95	NUM
fsr-3390	90	3	%	%	NOUN
fsr-3390	90	4	of	of	ADP
fsr-3390	90	5	the	the	DET
fsr-3390	90	6	respondents	respondent	NOUN
fsr-3390	90	7	stated	state	VERB
fsr-3390	90	8	they	they	PRON
fsr-3390	90	9	were	be	AUX
fsr-3390	90	10	the	the	DET
fsr-3390	90	11	primary	primary	ADJ
fsr-3390	90	12	financial	financial	ADJ
fsr-3390	90	13	decision	decision	NOUN
fsr-3390	90	14	maker	maker	NOUN
fsr-3390	90	15	or	or	CCONJ
fsr-3390	90	16	that	that	SCONJ
fsr-3390	90	17	they	they	PRON
fsr-3390	90	18	jointly	jointly	ADV
fsr-3390	90	19	participated	participate	VERB
fsr-3390	90	20	in	in	ADP
fsr-3390	90	21	making	make	VERB
fsr-3390	90	22	household	household	NOUN
fsr-3390	90	23	financial	financial	ADJ
fsr-3390	90	24	decisions	decision	NOUN
fsr-3390	90	25	.	.	PUNCT
fsr-3390	91	1	household	household	NOUN
fsr-3390	91	2	income	income	NOUN
fsr-3390	91	3	and	and	CCONJ
fsr-3390	91	4	net	net	ADJ
fsr-3390	91	5	worth	worth	NOUN
fsr-3390	91	6	were	be	AUX
fsr-3390	91	7	measured	measure	VERB
fsr-3390	91	8	in	in	ADP
fsr-3390	91	9	u.s	u.s	PROPN
fsr-3390	91	10	.	.	PROPN
fsr-3390	91	11	dollars	dollar	NOUN
fsr-3390	91	12	.	.	PUNCT
fsr-3390	92	1	given	give	VERB
fsr-3390	92	2	skewness	skewness	NOUN
fsr-3390	92	3	in	in	ADP
fsr-3390	92	4	the	the	DET
fsr-3390	92	5	data	data	NOUN
fsr-3390	92	6	,	,	PUNCT
fsr-3390	92	7	income	income	NOUN
fsr-3390	92	8	and	and	CCONJ
fsr-3390	92	9	net	net	ADJ
fsr-3390	92	10	worth	worth	NOUN
fsr-3390	92	11	were	be	AUX
fsr-3390	92	12	normalized	normalize	VERB
fsr-3390	92	13	using	use	VERB
fsr-3390	92	14	templeton	templeton	PROPN
fsr-3390	92	15	’s	’s	PART
fsr-3390	92	16	(	(	PUNCT
fsr-3390	92	17	2011	2011	NUM
fsr-3390	92	18	)	)	PUNCT
fsr-3390	92	19	two	two	NUM
fsr-3390	92	20	-	-	PUNCT
fsr-3390	92	21	step	step	NOUN
fsr-3390	92	22	approach	approach	NOUN
fsr-3390	92	23	for	for	ADP
fsr-3390	92	24	transforming	transform	VERB
fsr-3390	92	25	continuous	continuous	ADJ
fsr-3390	92	26	variables	variable	NOUN
fsr-3390	92	27	.	.	PUNCT
fsr-3390	93	1	the	the	DET
fsr-3390	93	2	mean	mean	ADJ
fsr-3390	93	3	and	and	CCONJ
fsr-3390	93	4	standard	standard	ADJ
fsr-3390	93	5	deviation	deviation	NOUN
fsr-3390	93	6	for	for	ADP
fsr-3390	93	7	household	household	NOUN
fsr-3390	93	8	income	income	NOUN
fsr-3390	93	9	was	be	AUX
fsr-3390	93	10	$	$	SYM
fsr-3390	93	11	79,017.74	79,017.74	NUM
fsr-3390	93	12	and	and	CCONJ
fsr-3390	93	13	$	$	SYM
fsr-3390	93	14	63,406.31	63,406.31	NUM
fsr-3390	93	15	,	,	PUNCT
fsr-3390	93	16	respectively	respectively	ADV
fsr-3390	93	17	.	.	PUNCT
fsr-3390	94	1	the	the	DET
fsr-3390	94	2	mean	mean	ADJ
fsr-3390	94	3	and	and	CCONJ
fsr-3390	94	4	standard	standard	ADJ
fsr-3390	94	5	deviation	deviation	NOUN
fsr-3390	94	6	for	for	ADP
fsr-3390	94	7	household	household	NOUN
fsr-3390	94	8	net	net	NOUN
fsr-3390	94	9	worth	worth	NOUN
fsr-3390	94	10	was	be	AUX
fsr-3390	94	11	$	$	SYM
fsr-3390	94	12	154,650.11	154,650.11	NUM
fsr-3390	94	13	and	and	CCONJ
fsr-3390	94	14	$	$	SYM
fsr-3390	94	15	388,594.68	388,594.68	NUM
fsr-3390	94	16	,	,	PUNCT
fsr-3390	94	17	respectively	respectively	ADV
fsr-3390	94	18	.	.	PUNCT
fsr-3390	95	1	an	an	DET
fsr-3390	95	2	inheritance	inheritance	NOUN
fsr-3390	95	3	variable	variable	NOUN
fsr-3390	95	4	was	be	AUX
fsr-3390	95	5	included	include	VERB
fsr-3390	95	6	to	to	PART
fsr-3390	95	7	account	account	VERB
fsr-3390	95	8	for	for	ADP
fsr-3390	95	9	the	the	DET
fsr-3390	95	10	possibility	possibility	NOUN
fsr-3390	95	11	that	that	SCONJ
fsr-3390	95	12	a	a	DET
fsr-3390	95	13	large	large	ADJ
fsr-3390	95	14	asset	asset	NOUN
fsr-3390	95	15	windfall	windfall	NOUN
fsr-3390	95	16	in	in	ADP
fsr-3390	95	17	the	the	DET
fsr-3390	95	18	past	past	NOUN
fsr-3390	95	19	might	might	AUX
fsr-3390	95	20	have	have	AUX
fsr-3390	95	21	prompted	prompt	VERB
fsr-3390	95	22	someone	someone	PRON
fsr-3390	95	23	to	to	PART
fsr-3390	95	24	seek	seek	VERB
fsr-3390	95	25	professional	professional	ADJ
fsr-3390	95	26	financial	financial	ADJ
fsr-3390	95	27	advice	advice	NOUN
fsr-3390	95	28	.	.	PUNCT
fsr-3390	96	1	each	each	DET
fsr-3390	96	2	participant	participant	NOUN
fsr-3390	96	3	was	be	AUX
fsr-3390	96	4	asked	ask	VERB
fsr-3390	96	5	to	to	PART
fsr-3390	96	6	indicate	indicate	VERB
fsr-3390	96	7	the	the	DET
fsr-3390	96	8	percentage	percentage	NOUN
fsr-3390	96	9	of	of	ADP
fsr-3390	96	10	her	she	PRON
fsr-3390	96	11	or	or	CCONJ
fsr-3390	96	12	his	his	PRON
fsr-3390	96	13	overall	overall	ADJ
fsr-3390	96	14	net	net	ADJ
fsr-3390	96	15	worth	worth	NOUN
fsr-3390	96	16	that	that	PRON
fsr-3390	96	17	was	be	AUX
fsr-3390	96	18	a	a	DET
fsr-3390	96	19	result	result	NOUN
fsr-3390	96	20	of	of	ADP
fsr-3390	96	21	an	an	DET
fsr-3390	96	22	inheritance	inheritance	NOUN
fsr-3390	96	23	.	.	PUNCT
fsr-3390	97	1	responses	response	NOUN
fsr-3390	97	2	ranged	range	VERB
fsr-3390	97	3	from	from	ADP
fsr-3390	97	4	2	2	NUM
fsr-3390	97	5	%	%	NOUN
fsr-3390	97	6	to	to	PART
fsr-3390	97	7	58	58	NUM
fsr-3390	97	8	%	%	NOUN
fsr-3390	97	9	,	,	PUNCT
fsr-3390	97	10	with	with	ADP
fsr-3390	97	11	a	a	DET
fsr-3390	97	12	mean	mean	NOUN
fsr-3390	97	13	of	of	ADP
fsr-3390	97	14	8.64	8.64	NUM
fsr-3390	97	15	%	%	NOUN
fsr-3390	97	16	and	and	CCONJ
fsr-3390	97	17	a	a	DET
fsr-3390	97	18	standard	standard	ADJ
fsr-3390	97	19	deviation	deviation	NOUN
fsr-3390	97	20	of	of	ADP
fsr-3390	97	21	12.20	12.20	NUM
fsr-3390	97	22	%	%	NOUN
fsr-3390	97	23	.	.	PUNCT
fsr-3390	98	1	marital	marital	ADJ
fsr-3390	98	2	status	status	NOUN
fsr-3390	98	3	was	be	AUX
fsr-3390	98	4	coded	code	VERB
fsr-3390	98	5	into	into	ADP
fsr-3390	98	6	three	three	NUM
fsr-3390	98	7	mutually	mutually	ADV
fsr-3390	98	8	exclusive	exclusive	ADJ
fsr-3390	98	9	variables	variable	NOUN
fsr-3390	98	10	:	:	PUNCT
fsr-3390	98	11	(	(	PUNCT
fsr-3390	98	12	1	1	X
fsr-3390	98	13	)	)	PUNCT
fsr-3390	98	14	single	single	ADJ
fsr-3390	98	15	,	,	PUNCT
fsr-3390	98	16	never	never	ADV
fsr-3390	98	17	married	marry	VERB
fsr-3390	98	18	(	(	PUNCT
fsr-3390	98	19	39	39	NUM
fsr-3390	98	20	%	%	NOUN
fsr-3390	98	21	)	)	PUNCT
fsr-3390	98	22	;	;	PUNCT
fsr-3390	98	23	(	(	PUNCT
fsr-3390	98	24	2	2	X
fsr-3390	98	25	)	)	PUNCT
fsr-3390	98	26	married	married	ADJ
fsr-3390	98	27	,	,	PUNCT
fsr-3390	98	28	never	never	ADV
fsr-3390	98	29	divorced	divorce	VERB
fsr-3390	98	30	(	(	PUNCT
fsr-3390	98	31	47	47	NUM
fsr-3390	98	32	%	%	NOUN
fsr-3390	98	33	)	)	PUNCT
fsr-3390	98	34	;	;	PUNCT
fsr-3390	98	35	and	and	CCONJ
fsr-3390	98	36	(	(	PUNCT
fsr-3390	98	37	3	3	X
fsr-3390	98	38	)	)	PUNCT
fsr-3390	98	39	other	other	ADJ
fsr-3390	98	40	,	,	PUNCT
fsr-3390	98	41	which	which	PRON
fsr-3390	98	42	included	include	VERB
fsr-3390	98	43	those	those	PRON
fsr-3390	98	44	who	who	PRON
fsr-3390	98	45	were	be	AUX
fsr-3390	98	46	remarried	remarry	VERB
fsr-3390	98	47	,	,	PUNCT
fsr-3390	98	48	widowed	widow	VERB
fsr-3390	98	49	,	,	PUNCT
fsr-3390	98	50	and	and	CCONJ
fsr-3390	98	51	divorced	divorced	ADJ
fsr-3390	98	52	(	(	PUNCT
fsr-3390	98	53	14	14	NUM
fsr-3390	98	54	%	%	NOUN
fsr-3390	98	55	)	)	PUNCT
fsr-3390	98	56	.	.	PUNCT
fsr-3390	99	1	saving	save	VERB
fsr-3390	99	2	behavior	behavior	NOUN
fsr-3390	99	3	was	be	AUX
fsr-3390	99	4	measured	measure	VERB
fsr-3390	99	5	by	by	ADP
fsr-3390	99	6	asking	ask	VERB
fsr-3390	99	7	participants	participant	NOUN
fsr-3390	99	8	to	to	PART
fsr-3390	99	9	indicate	indicate	VERB
fsr-3390	99	10	what	what	DET
fsr-3390	99	11	percentage	percentage	NOUN
fsr-3390	99	12	of	of	ADP
fsr-3390	99	13	their	their	PRON
fsr-3390	99	14	income	income	NOUN
fsr-3390	99	15	was	be	AUX
fsr-3390	99	16	being	be	AUX
fsr-3390	99	17	saved	save	VERB
fsr-3390	99	18	each	each	DET
fsr-3390	99	19	year	year	NOUN
fsr-3390	99	20	.	.	PUNCT
fsr-3390	100	1	responses	response	NOUN
fsr-3390	100	2	ranged	range	VERB
fsr-3390	100	3	from	from	ADP
fsr-3390	100	4	none	none	NOUN
fsr-3390	100	5	to	to	ADP
fsr-3390	100	6	77	77	NUM
fsr-3390	100	7	%	%	NOUN
fsr-3390	100	8	,	,	PUNCT
fsr-3390	100	9	with	with	ADP
fsr-3390	100	10	the	the	DET
fsr-3390	100	11	mean	mean	ADJ
fsr-3390	100	12	response	response	NOUN
fsr-3390	100	13	being	be	AUX
fsr-3390	100	14	12.80	12.80	NUM
fsr-3390	100	15	%	%	NOUN
fsr-3390	100	16	(	(	PUNCT
fsr-3390	100	17	sd	sd	ADP
fsr-3390	100	18	�	�	PROPN
fsr-3390	100	19	12.87	12.87	NUM
fsr-3390	100	20	%	%	NOUN
fsr-3390	100	21	)	)	PUNCT
fsr-3390	100	22	.	.	PUNCT
fsr-3390	101	1	impulsivity	impulsivity	NOUN
fsr-3390	101	2	was	be	AUX
fsr-3390	101	3	measured	measure	VERB
fsr-3390	101	4	by	by	ADP
fsr-3390	101	5	asking	ask	VERB
fsr-3390	101	6	:	:	PUNCT
fsr-3390	101	7	“	"	PUNCT
fsr-3390	101	8	how	how	SCONJ
fsr-3390	101	9	often	often	ADV
fsr-3390	101	10	have	have	AUX
fsr-3390	101	11	you	you	PRON
fsr-3390	101	12	ignored	ignore	VERB
fsr-3390	101	13	budgets	budget	NOUN
fsr-3390	101	14	or	or	CCONJ
fsr-3390	101	15	plans	plan	NOUN
fsr-3390	101	16	when	when	SCONJ
fsr-3390	101	17	making	make	VERB
fsr-3390	101	18	large	large	ADJ
fsr-3390	101	19	-	-	PUNCT
fsr-3390	101	20	scale	scale	NOUN
fsr-3390	101	21	purchases	purchase	NOUN
fsr-3390	101	22	?	?	PUNCT
fsr-3390	101	23	”	"	PUNCT
fsr-3390	101	24	a	a	DET
fsr-3390	101	25	five	five	NUM
fsr-3390	101	26	-	-	PUNCT
fsr-3390	101	27	point	point	NOUN
fsr-3390	101	28	177	177	NUM
fsr-3390	101	29	m.	m.	NOUN
fsr-3390	101	30	fulk	fulk	PROPN
fsr-3390	101	31	et	et	PROPN
fsr-3390	101	32	al	al	PROPN
fsr-3390	101	33	.	.	PUNCT
fsr-3390	101	34	/	/	SYM
fsr-3390	101	35	financial	financial	ADJ
fsr-3390	101	36	services	service	NOUN
fsr-3390	101	37	review	review	VERB
fsr-3390	101	38	27	27	NUM
fsr-3390	101	39	(	(	PUNCT
fsr-3390	101	40	2018	2018	NUM
fsr-3390	101	41	)	)	PUNCT
fsr-3390	101	42	173	173	NUM
fsr-3390	101	43	-	-	SYM
fsr-3390	101	44	188	188	NUM
fsr-3390	101	45	likert	likert	ADJ
fsr-3390	101	46	-	-	PUNCT
fsr-3390	101	47	type	type	NOUN
fsr-3390	101	48	scale	scale	NOUN
fsr-3390	101	49	was	be	AUX
fsr-3390	101	50	used	use	VERB
fsr-3390	101	51	to	to	PART
fsr-3390	101	52	record	record	NOUN
fsr-3390	101	53	responses	response	NOUN
fsr-3390	101	54	,	,	PUNCT
fsr-3390	101	55	which	which	PRON
fsr-3390	101	56	ranged	range	VERB
fsr-3390	101	57	from	from	ADP
fsr-3390	101	58	1	1	NUM
fsr-3390	101	59	�	�	PROPN
fsr-3390	101	60	never	never	ADV
fsr-3390	101	61	to	to	ADP
fsr-3390	101	62	5	5	NUM
fsr-3390	101	63	�	�	NOUN
fsr-3390	101	64	very	very	ADV
fsr-3390	101	65	often	often	ADV
fsr-3390	101	66	/	/	PUNCT
fsr-3390	101	67	always	always	ADV
fsr-3390	101	68	.	.	PUNCT
fsr-3390	102	1	the	the	DET
fsr-3390	102	2	mean	mean	ADJ
fsr-3390	102	3	and	and	CCONJ
fsr-3390	102	4	median	median	ADJ
fsr-3390	102	5	score	score	NOUN
fsr-3390	102	6	was	be	AUX
fsr-3390	102	7	2.22	2.22	NUM
fsr-3390	102	8	and	and	CCONJ
fsr-3390	102	9	2.00	2.00	NUM
fsr-3390	102	10	,	,	PUNCT
fsr-3390	102	11	respectively	respectively	ADV
fsr-3390	102	12	.	.	PUNCT
fsr-3390	103	1	financial	financial	ADJ
fsr-3390	103	2	satisfaction	satisfaction	NOUN
fsr-3390	103	3	was	be	AUX
fsr-3390	103	4	measured	measure	VERB
fsr-3390	103	5	with	with	ADP
fsr-3390	103	6	the	the	DET
fsr-3390	103	7	following	follow	VERB
fsr-3390	103	8	item	item	NOUN
fsr-3390	103	9	:	:	PUNCT
fsr-3390	103	10	“	"	PUNCT
fsr-3390	103	11	in	in	ADP
fsr-3390	103	12	general	general	ADJ
fsr-3390	103	13	,	,	PUNCT
fsr-3390	103	14	how	how	SCONJ
fsr-3390	103	15	satisfied	satisfied	ADJ
fsr-3390	103	16	are	be	AUX
fsr-3390	103	17	you	you	PRON
fsr-3390	103	18	with	with	ADP
fsr-3390	103	19	your	your	PRON
fsr-3390	103	20	current	current	ADJ
fsr-3390	103	21	financial	financial	ADJ
fsr-3390	103	22	situation	situation	NOUN
fsr-3390	103	23	?	?	PUNCT
fsr-3390	103	24	”	"	PUNCT
fsr-3390	104	1	a	a	DET
fsr-3390	104	2	five	five	NUM
fsr-3390	104	3	-	-	PUNCT
fsr-3390	104	4	point	point	NOUN
fsr-3390	104	5	likert	likert	ADJ
fsr-3390	104	6	-	-	PUNCT
fsr-3390	104	7	type	type	NOUN
fsr-3390	104	8	scale	scale	NOUN
fsr-3390	104	9	using	use	VERB
fsr-3390	104	10	1	1	NUM
fsr-3390	104	11	�	�	NOUN
fsr-3390	104	12	very	very	ADV
fsr-3390	104	13	unsatisfied	unsatisfied	ADJ
fsr-3390	104	14	and	and	CCONJ
fsr-3390	104	15	5	5	NUM
fsr-3390	104	16	�	�	NOUN
fsr-3390	104	17	very	very	ADV
fsr-3390	104	18	satisfied	satisfied	ADJ
fsr-3390	104	19	was	be	AUX
fsr-3390	104	20	used	use	VERB
fsr-3390	104	21	to	to	PART
fsr-3390	104	22	code	code	VERB
fsr-3390	104	23	answers	answer	NOUN
fsr-3390	104	24	.	.	PUNCT
fsr-3390	105	1	the	the	DET
fsr-3390	105	2	mean	mean	NOUN
fsr-3390	105	3	and	and	CCONJ
fsr-3390	105	4	median	median	NOUN
fsr-3390	105	5	for	for	ADP
fsr-3390	105	6	the	the	DET
fsr-3390	105	7	question	question	NOUN
fsr-3390	105	8	was	be	AUX
fsr-3390	105	9	2.95	2.95	NUM
fsr-3390	105	10	and	and	CCONJ
fsr-3390	105	11	3.00	3.00	NUM
fsr-3390	105	12	,	,	PUNCT
fsr-3390	105	13	respectively	respectively	ADV
fsr-3390	105	14	.	.	PUNCT
fsr-3390	106	1	a	a	DET
fsr-3390	106	2	participant	participant	NOUN
fsr-3390	106	3	’s	’s	PART
fsr-3390	106	4	perceived	perceive	VERB
fsr-3390	106	5	ability	ability	NOUN
fsr-3390	106	6	as	as	ADP
fsr-3390	106	7	an	an	DET
fsr-3390	106	8	investor	investor	NOUN
fsr-3390	106	9	was	be	AUX
fsr-3390	106	10	assessed	assess	VERB
fsr-3390	106	11	by	by	ADP
fsr-3390	106	12	asking	ask	VERB
fsr-3390	106	13	:	:	PUNCT
fsr-3390	106	14	“	"	PUNCT
fsr-3390	106	15	in	in	ADP
fsr-3390	106	16	the	the	DET
fsr-3390	106	17	past	past	NOUN
fsr-3390	106	18	,	,	PUNCT
fsr-3390	106	19	how	how	SCONJ
fsr-3390	106	20	often	often	ADV
fsr-3390	106	21	have	have	AUX
fsr-3390	106	22	you	you	PRON
fsr-3390	106	23	thought	think	VERB
fsr-3390	106	24	of	of	ADP
fsr-3390	106	25	yourself	yourself	PRON
fsr-3390	106	26	as	as	ADP
fsr-3390	106	27	a	a	DET
fsr-3390	106	28	smart	smart	ADJ
fsr-3390	106	29	/	/	SYM
fsr-3390	106	30	savvy	savvy	ADJ
fsr-3390	106	31	investor	investor	NOUN
fsr-3390	106	32	?	?	PUNCT
fsr-3390	106	33	”	"	PUNCT
fsr-3390	106	34	a	a	DET
fsr-3390	106	35	five	five	NUM
fsr-3390	106	36	-	-	PUNCT
fsr-3390	106	37	point	point	NOUN
fsr-3390	106	38	likert	likert	ADJ
fsr-3390	106	39	-	-	PUNCT
fsr-3390	106	40	type	type	NOUN
fsr-3390	106	41	scale	scale	NOUN
fsr-3390	106	42	was	be	AUX
fsr-3390	106	43	used	use	VERB
fsr-3390	106	44	to	to	PART
fsr-3390	106	45	code	code	VERB
fsr-3390	106	46	responses	response	NOUN
fsr-3390	106	47	,	,	PUNCT
fsr-3390	106	48	which	which	PRON
fsr-3390	106	49	ranged	range	VERB
fsr-3390	106	50	from	from	ADP
fsr-3390	106	51	1	1	NUM
fsr-3390	106	52	�	�	PROPN
fsr-3390	106	53	never	never	ADV
fsr-3390	106	54	to	to	ADP
fsr-3390	106	55	5	5	NUM
fsr-3390	106	56	�	�	NOUN
fsr-3390	106	57	very	very	ADV
fsr-3390	106	58	often	often	ADV
fsr-3390	106	59	/	/	PUNCT
fsr-3390	106	60	always	always	ADV
fsr-3390	106	61	.	.	PUNCT
fsr-3390	107	1	the	the	DET
fsr-3390	107	2	mean	mean	NOUN
fsr-3390	107	3	and	and	CCONJ
fsr-3390	107	4	median	median	NOUN
fsr-3390	107	5	for	for	ADP
fsr-3390	107	6	the	the	DET
fsr-3390	107	7	item	item	NOUN
fsr-3390	107	8	was	be	AUX
fsr-3390	107	9	2.84	2.84	NUM
fsr-3390	107	10	and	and	CCONJ
fsr-3390	107	11	3.00	3.00	NUM
fsr-3390	107	12	,	,	PUNCT
fsr-3390	107	13	respectively	respectively	ADV
fsr-3390	107	14	.	.	PUNCT
fsr-3390	108	1	whether	whether	SCONJ
fsr-3390	108	2	a	a	DET
fsr-3390	108	3	participant	participant	NOUN
fsr-3390	108	4	felt	feel	VERB
fsr-3390	108	5	she	she	PRON
fsr-3390	108	6	or	or	CCONJ
fsr-3390	108	7	he	he	PRON
fsr-3390	108	8	currently	currently	ADV
fsr-3390	108	9	earned	earn	VERB
fsr-3390	108	10	enough	enough	ADJ
fsr-3390	108	11	money	money	NOUN
fsr-3390	108	12	was	be	AUX
fsr-3390	108	13	measured	measure	VERB
fsr-3390	108	14	by	by	ADP
fsr-3390	108	15	asking	ask	VERB
fsr-3390	108	16	:	:	PUNCT
fsr-3390	108	17	“	"	PUNCT
fsr-3390	108	18	my	my	PRON
fsr-3390	108	19	family	family	NOUN
fsr-3390	108	20	’s	’s	PART
fsr-3390	108	21	current	current	ADJ
fsr-3390	108	22	income	income	NOUN
fsr-3390	108	23	is	be	AUX
fsr-3390	108	24	sufficient	sufficient	ADJ
fsr-3390	108	25	for	for	ADP
fsr-3390	108	26	most	most	ADJ
fsr-3390	108	27	needs	need	NOUN
fsr-3390	108	28	and	and	CCONJ
fsr-3390	108	29	wants	want	VERB
fsr-3390	108	30	.	.	PUNCT
fsr-3390	108	31	”	"	PUNCT
fsr-3390	109	1	a	a	DET
fsr-3390	109	2	five	five	NUM
fsr-3390	109	3	-	-	PUNCT
fsr-3390	109	4	point	point	NOUN
fsr-3390	109	5	likert	likert	ADJ
fsr-3390	109	6	-	-	PUNCT
fsr-3390	109	7	type	type	NOUN
fsr-3390	109	8	agreement	agreement	NOUN
fsr-3390	109	9	scale	scale	NOUN
fsr-3390	109	10	was	be	AUX
fsr-3390	109	11	used	use	VERB
fsr-3390	109	12	to	to	PART
fsr-3390	109	13	code	code	VERB
fsr-3390	109	14	responses	response	NOUN
fsr-3390	109	15	,	,	PUNCT
fsr-3390	109	16	with	with	SCONJ
fsr-3390	109	17	1	1	NUM
fsr-3390	109	18	�	�	NOUN
fsr-3390	109	19	strongly	strongly	ADV
fsr-3390	109	20	disagree	disagree	VERB
fsr-3390	109	21	to	to	ADP
fsr-3390	109	22	5	5	NUM
fsr-3390	109	23	�	�	PROPN
fsr-3390	109	24	strongly	strongly	ADV
fsr-3390	109	25	agree	agree	VERB
fsr-3390	109	26	.	.	PUNCT
fsr-3390	110	1	the	the	DET
fsr-3390	110	2	mean	mean	NOUN
fsr-3390	110	3	and	and	CCONJ
fsr-3390	110	4	median	median	NOUN
fsr-3390	110	5	for	for	ADP
fsr-3390	110	6	the	the	DET
fsr-3390	110	7	question	question	NOUN
fsr-3390	110	8	was	be	AUX
fsr-3390	110	9	3.62	3.62	NUM
fsr-3390	110	10	and	and	CCONJ
fsr-3390	110	11	4.00	4.00	NUM
fsr-3390	110	12	,	,	PUNCT
fsr-3390	110	13	respectively	respectively	ADV
fsr-3390	110	14	.	.	PUNCT
fsr-3390	111	1	financial	financial	ADJ
fsr-3390	111	2	and	and	CCONJ
fsr-3390	111	3	investment	investment	NOUN
fsr-3390	111	4	acumen	acuman	NOUN
fsr-3390	111	5	was	be	AUX
fsr-3390	111	6	measured	measure	VERB
fsr-3390	111	7	by	by	ADP
fsr-3390	111	8	asking	ask	VERB
fsr-3390	111	9	the	the	DET
fsr-3390	111	10	following	follow	VERB
fsr-3390	111	11	question	question	NOUN
fsr-3390	111	12	:	:	PUNCT
fsr-3390	111	13	“	"	PUNCT
fsr-3390	111	14	i	i	PRON
fsr-3390	111	15	often	often	ADV
fsr-3390	111	16	do	do	AUX
fsr-3390	111	17	not	not	PART
fsr-3390	111	18	know	know	VERB
fsr-3390	111	19	how	how	SCONJ
fsr-3390	111	20	my	my	PRON
fsr-3390	111	21	investments	investment	NOUN
fsr-3390	111	22	are	be	AUX
fsr-3390	111	23	performing	perform	VERB
fsr-3390	111	24	.	.	PUNCT
fsr-3390	111	25	”	"	PUNCT
fsr-3390	112	1	a	a	DET
fsr-3390	112	2	five	five	NUM
fsr-3390	112	3	-	-	PUNCT
fsr-3390	112	4	point	point	NOUN
fsr-3390	112	5	likert	likert	ADJ
fsr-3390	112	6	-	-	PUNCT
fsr-3390	112	7	type	type	NOUN
fsr-3390	112	8	agreement	agreement	NOUN
fsr-3390	112	9	scale	scale	NOUN
fsr-3390	112	10	was	be	AUX
fsr-3390	112	11	used	use	VERB
fsr-3390	112	12	to	to	PART
fsr-3390	112	13	code	code	VERB
fsr-3390	112	14	responses	response	NOUN
fsr-3390	112	15	,	,	PUNCT
fsr-3390	112	16	with	with	SCONJ
fsr-3390	112	17	1	1	NUM
fsr-3390	112	18	�	�	NOUN
fsr-3390	112	19	strongly	strongly	ADV
fsr-3390	112	20	disagree	disagree	VERB
fsr-3390	112	21	to	to	ADP
fsr-3390	112	22	5	5	NUM
fsr-3390	112	23	�	�	PROPN
fsr-3390	112	24	strongly	strongly	ADV
fsr-3390	112	25	agree	agree	VERB
fsr-3390	112	26	.	.	PUNCT
fsr-3390	113	1	the	the	DET
fsr-3390	113	2	mean	mean	NOUN
fsr-3390	113	3	and	and	CCONJ
fsr-3390	113	4	median	median	NOUN
fsr-3390	113	5	for	for	ADP
fsr-3390	113	6	the	the	DET
fsr-3390	113	7	question	question	NOUN
fsr-3390	113	8	was	be	AUX
fsr-3390	113	9	2.33	2.33	NUM
fsr-3390	113	10	and	and	CCONJ
fsr-3390	113	11	2.00	2.00	NUM
fsr-3390	113	12	,	,	PUNCT
fsr-3390	113	13	respectively	respectively	ADV
fsr-3390	113	14	.	.	PUNCT
fsr-3390	114	1	regret	regret	NOUN
fsr-3390	114	2	and	and	CCONJ
fsr-3390	114	3	disappointment	disappointment	NOUN
fsr-3390	114	4	was	be	AUX
fsr-3390	114	5	assessed	assess	VERB
fsr-3390	114	6	with	with	ADP
fsr-3390	114	7	the	the	DET
fsr-3390	114	8	following	follow	VERB
fsr-3390	114	9	item	item	NOUN
fsr-3390	114	10	:	:	PUNCT
fsr-3390	114	11	“	"	PUNCT
fsr-3390	114	12	how	how	SCONJ
fsr-3390	114	13	often	often	ADV
fsr-3390	114	14	have	have	AUX
fsr-3390	114	15	you	you	PRON
fsr-3390	114	16	been	be	AUX
fsr-3390	114	17	disappointed	disappoint	VERB
fsr-3390	114	18	by	by	ADP
fsr-3390	114	19	the	the	DET
fsr-3390	114	20	financial	financial	ADJ
fsr-3390	114	21	decisions	decision	NOUN
fsr-3390	114	22	you	you	PRON
fsr-3390	114	23	have	have	AUX
fsr-3390	114	24	made	make	VERB
fsr-3390	114	25	?	?	PUNCT
fsr-3390	114	26	”	"	PUNCT
fsr-3390	115	1	a	a	DET
fsr-3390	115	2	five	five	NUM
fsr-3390	115	3	-	-	PUNCT
fsr-3390	115	4	point	point	NOUN
fsr-3390	115	5	likert	likert	ADJ
fsr-3390	115	6	-	-	PUNCT
fsr-3390	115	7	type	type	NOUN
fsr-3390	115	8	scale	scale	NOUN
fsr-3390	115	9	was	be	AUX
fsr-3390	115	10	used	use	VERB
fsr-3390	115	11	to	to	PART
fsr-3390	115	12	record	record	NOUN
fsr-3390	115	13	responses	response	NOUN
fsr-3390	115	14	,	,	PUNCT
fsr-3390	115	15	which	which	PRON
fsr-3390	115	16	ranged	range	VERB
fsr-3390	115	17	from	from	ADP
fsr-3390	115	18	1	1	NUM
fsr-3390	115	19	�	�	PROPN
fsr-3390	115	20	never	never	ADV
fsr-3390	115	21	to	to	ADP
fsr-3390	115	22	5	5	NUM
fsr-3390	115	23	�	�	NOUN
fsr-3390	115	24	very	very	ADV
fsr-3390	115	25	often	often	ADV
fsr-3390	115	26	/	/	PUNCT
fsr-3390	115	27	always	always	ADV
fsr-3390	115	28	.	.	PUNCT
fsr-3390	116	1	the	the	DET
fsr-3390	116	2	mean	mean	ADJ
fsr-3390	116	3	and	and	CCONJ
fsr-3390	116	4	median	median	ADJ
fsr-3390	116	5	response	response	NOUN
fsr-3390	116	6	was	be	AUX
fsr-3390	116	7	2.75	2.75	NUM
fsr-3390	116	8	and	and	CCONJ
fsr-3390	116	9	3.00	3.00	NUM
fsr-3390	116	10	,	,	PUNCT
fsr-3390	116	11	respectively	respectively	ADV
fsr-3390	116	12	.	.	PUNCT
fsr-3390	117	1	three	three	NUM
fsr-3390	117	2	tests	test	NOUN
fsr-3390	117	3	were	be	AUX
fsr-3390	117	4	used	use	VERB
fsr-3390	117	5	to	to	PART
fsr-3390	117	6	identify	identify	VERB
fsr-3390	117	7	the	the	DET
fsr-3390	117	8	demographic	demographic	ADJ
fsr-3390	117	9	,	,	PUNCT
fsr-3390	117	10	attitudinal	attitudinal	ADJ
fsr-3390	117	11	,	,	PUNCT
fsr-3390	117	12	and	and	CCONJ
fsr-3390	117	13	behavioral	behavioral	ADJ
fsr-3390	117	14	characteristics	characteristic	NOUN
fsr-3390	117	15	of	of	ADP
fsr-3390	117	16	those	those	PRON
fsr-3390	117	17	who	who	PRON
fsr-3390	117	18	,	,	PUNCT
fsr-3390	117	19	at	at	ADP
fsr-3390	117	20	the	the	DET
fsr-3390	117	21	time	time	NOUN
fsr-3390	117	22	of	of	ADP
fsr-3390	117	23	the	the	DET
fsr-3390	117	24	survey	survey	NOUN
fsr-3390	117	25	,	,	PUNCT
fsr-3390	117	26	worked	work	VERB
fsr-3390	117	27	with	with	ADP
fsr-3390	117	28	a	a	DET
fsr-3390	117	29	traditional	traditional	ADJ
fsr-3390	117	30	financial	financial	ADJ
fsr-3390	117	31	planner	planner	NOUN
fsr-3390	117	32	,	,	PUNCT
fsr-3390	117	33	a	a	DET
fsr-3390	117	34	robo	robo	NOUN
fsr-3390	117	35	-	-	PUNCT
fsr-3390	117	36	advisor	advisor	NOUN
fsr-3390	117	37	,	,	PUNCT
fsr-3390	117	38	both	both	PRON
fsr-3390	117	39	,	,	PUNCT
fsr-3390	117	40	or	or	CCONJ
fsr-3390	117	41	neither	neither	PRON
fsr-3390	117	42	.	.	PUNCT
fsr-3390	118	1	two	two	NUM
fsr-3390	118	2	tests	test	NOUN
fsr-3390	118	3	were	be	AUX
fsr-3390	118	4	used	use	VERB
fsr-3390	118	5	to	to	PART
fsr-3390	118	6	screen	screen	VERB
fsr-3390	118	7	the	the	DET
fsr-3390	118	8	15	15	NUM
fsr-3390	118	9	independent	independent	ADJ
fsr-3390	118	10	variables	variable	NOUN
fsr-3390	118	11	to	to	PART
fsr-3390	118	12	identify	identify	VERB
fsr-3390	118	13	which	which	PRON
fsr-3390	118	14	of	of	ADP
fsr-3390	118	15	the	the	DET
fsr-3390	118	16	variables	variable	NOUN
fsr-3390	118	17	were	be	AUX
fsr-3390	118	18	statistically	statistically	ADV
fsr-3390	118	19	significantly	significantly	ADV
fsr-3390	118	20	associated	associate	VERB
fsr-3390	118	21	with	with	ADP
fsr-3390	118	22	help	help	NOUN
fsr-3390	118	23	-	-	PUNCT
fsr-3390	118	24	seeking	seek	VERB
fsr-3390	118	25	behavior	behavior	NOUN
fsr-3390	118	26	.	.	PUNCT
fsr-3390	119	1	these	these	DET
fsr-3390	119	2	tests	test	NOUN
fsr-3390	119	3	were	be	AUX
fsr-3390	119	4	based	base	VERB
fsr-3390	119	5	on	on	ADP
fsr-3390	119	6	bivariate	bivariate	ADJ
fsr-3390	119	7	relationships	relationship	NOUN
fsr-3390	119	8	.	.	PUNCT
fsr-3390	120	1	first	first	ADV
fsr-3390	120	2	,	,	PUNCT
fsr-3390	120	3	given	give	VERB
fsr-3390	120	4	the	the	DET
fsr-3390	120	5	categorical	categorical	ADJ
fsr-3390	120	6	nature	nature	NOUN
fsr-3390	120	7	of	of	ADP
fsr-3390	120	8	gender	gender	NOUN
fsr-3390	120	9	and	and	CCONJ
fsr-3390	120	10	marital	marital	ADJ
fsr-3390	120	11	status	status	NOUN
fsr-3390	120	12	,	,	PUNCT
fsr-3390	120	13	a	a	DET
fsr-3390	120	14	series	series	NOUN
fsr-3390	120	15	of	of	ADP
fsr-3390	120	16	�	�	NOUN
fsr-3390	120	17	2	2	NUM
fsr-3390	120	18	analyses	analysis	NOUN
fsr-3390	120	19	were	be	AUX
fsr-3390	120	20	conducted	conduct	VERB
fsr-3390	120	21	.	.	PUNCT
fsr-3390	121	1	second	second	ADJ
fsr-3390	121	2	,	,	PUNCT
fsr-3390	121	3	analysis	analysis	NOUN
fsr-3390	121	4	of	of	ADP
fsr-3390	121	5	variance	variance	NOUN
fsr-3390	121	6	(	(	PUNCT
fsr-3390	121	7	anova	anova	PROPN
fsr-3390	121	8	)	)	PUNCT
fsr-3390	121	9	tests	test	NOUN
fsr-3390	121	10	were	be	AUX
fsr-3390	121	11	run	run	VERB
fsr-3390	121	12	with	with	ADP
fsr-3390	121	13	the	the	DET
fsr-3390	121	14	variables	variable	NOUN
fsr-3390	121	15	coded	code	VERB
fsr-3390	121	16	at	at	ADP
fsr-3390	121	17	the	the	DET
fsr-3390	121	18	continuous	continuous	ADJ
fsr-3390	121	19	or	or	CCONJ
fsr-3390	121	20	ordinal	ordinal	ADJ
fsr-3390	121	21	level	level	NOUN
fsr-3390	121	22	.	.	PUNCT
fsr-3390	122	1	as	as	ADP
fsr-3390	122	2	the	the	DET
fsr-3390	122	3	first	first	ADJ
fsr-3390	122	4	step	step	NOUN
fsr-3390	122	5	in	in	ADP
fsr-3390	122	6	the	the	DET
fsr-3390	122	7	analytical	analytical	ADJ
fsr-3390	122	8	procedure	procedure	NOUN
fsr-3390	122	9	,	,	PUNCT
fsr-3390	122	10	results	result	VERB
fsr-3390	122	11	from	from	ADP
fsr-3390	122	12	the	the	DET
fsr-3390	122	13	�	�	PROPN
fsr-3390	122	14	2	2	NUM
fsr-3390	122	15	and	and	CCONJ
fsr-3390	122	16	anova	anova	PROPN
fsr-3390	122	17	analyses	analysis	NOUN
fsr-3390	122	18	were	be	AUX
fsr-3390	122	19	used	use	VERB
fsr-3390	122	20	to	to	PART
fsr-3390	122	21	identify	identify	VERB
fsr-3390	122	22	participant	participant	ADJ
fsr-3390	122	23	characteristics	characteristic	NOUN
fsr-3390	122	24	that	that	PRON
fsr-3390	122	25	were	be	AUX
fsr-3390	122	26	highly	highly	ADV
fsr-3390	122	27	associated	associate	VERB
fsr-3390	122	28	with	with	ADP
fsr-3390	122	29	help	help	NOUN
fsr-3390	122	30	-	-	PUNCT
fsr-3390	122	31	seeking	seek	VERB
fsr-3390	122	32	behavior	behavior	NOUN
fsr-3390	122	33	.	.	PUNCT
fsr-3390	123	1	these	these	DET
fsr-3390	123	2	variables	variable	NOUN
fsr-3390	123	3	were	be	AUX
fsr-3390	123	4	then	then	ADV
fsr-3390	123	5	used	use	VERB
fsr-3390	123	6	in	in	ADP
fsr-3390	123	7	the	the	DET
fsr-3390	123	8	third	third	ADJ
fsr-3390	123	9	test	test	NOUN
fsr-3390	123	10	,	,	PUNCT
fsr-3390	123	11	a	a	DET
fsr-3390	123	12	multinomial	multinomial	ADJ
fsr-3390	123	13	regression	regression	NOUN
fsr-3390	123	14	with	with	ADP
fsr-3390	123	15	type	type	NOUN
fsr-3390	123	16	of	of	ADP
fsr-3390	123	17	financial	financial	ADJ
fsr-3390	123	18	service	service	NOUN
fsr-3390	123	19	used	use	VERB
fsr-3390	123	20	as	as	ADP
fsr-3390	123	21	the	the	DET
fsr-3390	123	22	dependent	dependent	ADJ
fsr-3390	123	23	variable	variable	NOUN
fsr-3390	123	24	in	in	ADP
fsr-3390	123	25	the	the	DET
fsr-3390	123	26	model	model	NOUN
fsr-3390	123	27	.	.	PUNCT
fsr-3390	124	1	this	this	DET
fsr-3390	124	2	two	two	NUM
fsr-3390	124	3	-	-	PUNCT
fsr-3390	124	4	step	step	NOUN
fsr-3390	124	5	procedure	procedure	NOUN
fsr-3390	124	6	revealed	reveal	VERB
fsr-3390	124	7	the	the	DET
fsr-3390	124	8	most	most	ADV
fsr-3390	124	9	important	important	ADJ
fsr-3390	124	10	individual	individual	ADJ
fsr-3390	124	11	and	and	CCONJ
fsr-3390	124	12	household	household	NOUN
fsr-3390	124	13	level	level	NOUN
fsr-3390	124	14	characteristics	characteristic	NOUN
fsr-3390	124	15	associated	associate	VERB
fsr-3390	124	16	with	with	ADP
fsr-3390	124	17	the	the	DET
fsr-3390	124	18	use	use	NOUN
fsr-3390	124	19	of	of	ADP
fsr-3390	124	20	financial	financial	ADJ
fsr-3390	124	21	planning	planning	NOUN
fsr-3390	124	22	services	service	NOUN
fsr-3390	124	23	.	.	PUNCT
fsr-3390	125	1	3	3	X
fsr-3390	125	2	.	.	X
fsr-3390	125	3	results	result	NOUN
fsr-3390	125	4	as	as	SCONJ
fsr-3390	125	5	shown	show	VERB
fsr-3390	125	6	in	in	ADP
fsr-3390	125	7	table	table	NOUN
fsr-3390	125	8	1	1	NUM
fsr-3390	125	9	,	,	PUNCT
fsr-3390	125	10	and	and	CCONJ
fsr-3390	125	11	based	base	VERB
fsr-3390	125	12	on	on	ADP
fsr-3390	125	13	the	the	DET
fsr-3390	125	14	�	�	PROPN
fsr-3390	125	15	2	2	NUM
fsr-3390	125	16	results	result	NOUN
fsr-3390	125	17	,	,	PUNCT
fsr-3390	125	18	the	the	DET
fsr-3390	125	19	association	association	NOUN
fsr-3390	125	20	between	between	ADP
fsr-3390	125	21	gender	gender	NOUN
fsr-3390	125	22	and	and	CCONJ
fsr-3390	125	23	help	help	NOUN
fsr-3390	125	24	-	-	PUNCT
fsr-3390	125	25	seeking	seeking	NOUN
fsr-3390	125	26	was	be	AUX
fsr-3390	125	27	not	not	PART
fsr-3390	125	28	significant	significant	ADJ
fsr-3390	125	29	,	,	PUNCT
fsr-3390	125	30	�	�	PROPN
fsr-3390	125	31	2	2	NUM
fsr-3390	125	32	(	(	PUNCT
fsr-3390	125	33	3	3	NUM
fsr-3390	125	34	)	)	PUNCT
fsr-3390	125	35	�	�	PROPN
fsr-3390	125	36	0.904	0.904	NUM
fsr-3390	125	37	,	,	PUNCT
fsr-3390	125	38	p	p	PROPN
fsr-3390	125	39	�	�	PROPN
fsr-3390	125	40	0.824	0.824	NUM
fsr-3390	125	41	.	.	PUNCT
fsr-3390	126	1	also	also	ADV
fsr-3390	126	2	shown	show	VERB
fsr-3390	126	3	in	in	ADP
fsr-3390	126	4	table	table	NOUN
fsr-3390	126	5	1	1	NUM
fsr-3390	126	6	are	be	AUX
fsr-3390	126	7	the	the	DET
fsr-3390	126	8	�	�	PROPN
fsr-3390	126	9	2	2	NUM
fsr-3390	126	10	results	result	NOUN
fsr-3390	126	11	for	for	ADP
fsr-3390	126	12	the	the	DET
fsr-3390	126	13	association	association	NOUN
fsr-3390	126	14	between	between	ADP
fsr-3390	126	15	marital	marital	ADJ
fsr-3390	126	16	status	status	NOUN
fsr-3390	126	17	categories	category	NOUN
fsr-3390	126	18	and	and	CCONJ
fsr-3390	126	19	help	help	NOUN
fsr-3390	126	20	-	-	PUNCT
fsr-3390	126	21	seeking	seeking	NOUN
fsr-3390	126	22	.	.	PUNCT
fsr-3390	127	1	no	no	DET
fsr-3390	127	2	significant	significant	ADJ
fsr-3390	127	3	association	association	NOUN
fsr-3390	127	4	was	be	AUX
fsr-3390	127	5	noted	note	VERB
fsr-3390	127	6	for	for	ADP
fsr-3390	127	7	those	those	PRON
fsr-3390	127	8	who	who	PRON
fsr-3390	127	9	were	be	AUX
fsr-3390	127	10	married	married	ADJ
fsr-3390	127	11	(	(	PUNCT
fsr-3390	127	12	�	�	X
fsr-3390	127	13	2	2	NUM
fsr-3390	127	14	(	(	PUNCT
fsr-3390	127	15	3	3	NUM
fsr-3390	127	16	)	)	PUNCT
fsr-3390	127	17	�	�	PROPN
fsr-3390	127	18	2.598	2.598	NUM
fsr-3390	127	19	,	,	PUNCT
fsr-3390	127	20	p	p	PROPN
fsr-3390	127	21	�	�	PROPN
fsr-3390	127	22	0.458	0.458	NUM
fsr-3390	127	23	)	)	PUNCT
fsr-3390	127	24	,	,	PUNCT
fsr-3390	127	25	single	single	ADJ
fsr-3390	127	26	never	never	ADV
fsr-3390	127	27	married	marry	VERB
fsr-3390	127	28	(	(	PUNCT
fsr-3390	127	29	�	�	X
fsr-3390	127	30	2	2	NUM
fsr-3390	127	31	(	(	PUNCT
fsr-3390	127	32	3	3	NUM
fsr-3390	127	33	)	)	PUNCT
fsr-3390	127	34	�	�	PROPN
fsr-3390	127	35	3.306	3.306	NUM
fsr-3390	127	36	,	,	PUNCT
fsr-3390	127	37	p	p	PROPN
fsr-3390	127	38	�	�	PROPN
fsr-3390	127	39	0.347	0.347	NUM
fsr-3390	127	40	)	)	PUNCT
fsr-3390	127	41	,	,	PUNCT
fsr-3390	127	42	or	or	CCONJ
fsr-3390	127	43	remarried	remarry	VERB
fsr-3390	127	44	,	,	PUNCT
fsr-3390	127	45	widowed	widow	VERB
fsr-3390	127	46	,	,	PUNCT
fsr-3390	127	47	or	or	CCONJ
fsr-3390	127	48	178	178	NUM
fsr-3390	127	49	m.	m.	NOUN
fsr-3390	127	50	fulk	fulk	PROPN
fsr-3390	127	51	et	et	PROPN
fsr-3390	127	52	al	al	PROPN
fsr-3390	127	53	.	.	PUNCT
fsr-3390	127	54	/	/	SYM
fsr-3390	127	55	financial	financial	ADJ
fsr-3390	127	56	services	service	NOUN
fsr-3390	127	57	review	review	VERB
fsr-3390	127	58	27	27	NUM
fsr-3390	127	59	(	(	PUNCT
fsr-3390	127	60	2018	2018	NUM
fsr-3390	127	61	)	)	PUNCT
fsr-3390	127	62	173	173	NUM
fsr-3390	127	63	-	-	SYM
fsr-3390	127	64	188	188	NUM
fsr-3390	127	65	divorced	divorce	VERB
fsr-3390	127	66	(	(	PUNCT
fsr-3390	127	67	�	�	NOUN
fsr-3390	127	68	2	2	NUM
fsr-3390	127	69	(	(	PUNCT
fsr-3390	127	70	3	3	NUM
fsr-3390	127	71	)	)	PUNCT
fsr-3390	127	72	�	�	NOUN
fsr-3390	127	73	2.890	2.890	NUM
fsr-3390	127	74	,	,	PUNCT
fsr-3390	127	75	p	p	PROPN
fsr-3390	127	76	�	�	PROPN
fsr-3390	127	77	0.409	0.409	NUM
fsr-3390	127	78	)	)	PUNCT
fsr-3390	127	79	.	.	PUNCT
fsr-3390	128	1	as	as	ADP
fsr-3390	128	2	a	a	DET
fsr-3390	128	3	result	result	NOUN
fsr-3390	128	4	,	,	PUNCT
fsr-3390	128	5	these	these	DET
fsr-3390	128	6	variables	variable	NOUN
fsr-3390	128	7	were	be	AUX
fsr-3390	128	8	not	not	PART
fsr-3390	128	9	included	include	VERB
fsr-3390	128	10	in	in	ADP
fsr-3390	128	11	the	the	DET
fsr-3390	128	12	final	final	ADJ
fsr-3390	128	13	multinomial	multinomial	ADJ
fsr-3390	128	14	regression	regression	NOUN
fsr-3390	128	15	analysis	analysis	NOUN
fsr-3390	128	16	.	.	PUNCT
fsr-3390	129	1	table	table	NOUN
fsr-3390	129	2	2	2	NUM
fsr-3390	129	3	shows	show	VERB
fsr-3390	129	4	the	the	DET
fsr-3390	129	5	results	result	NOUN
fsr-3390	129	6	from	from	ADP
fsr-3390	129	7	the	the	DET
fsr-3390	129	8	anova	anova	PROPN
fsr-3390	129	9	tests	test	NOUN
fsr-3390	129	10	.	.	PUNCT
fsr-3390	130	1	the	the	DET
fsr-3390	130	2	table	table	NOUN
fsr-3390	130	3	shows	show	VERB
fsr-3390	130	4	the	the	DET
fsr-3390	130	5	variation	variation	NOUN
fsr-3390	130	6	in	in	ADP
fsr-3390	130	7	means	mean	NOUN
fsr-3390	130	8	across	across	ADP
fsr-3390	130	9	the	the	DET
fsr-3390	130	10	four	four	NUM
fsr-3390	130	11	groups	group	NOUN
fsr-3390	130	12	.	.	PUNCT
fsr-3390	131	1	it	it	PRON
fsr-3390	131	2	is	be	AUX
fsr-3390	131	3	important	important	ADJ
fsr-3390	131	4	to	to	PART
fsr-3390	131	5	note	note	VERB
fsr-3390	131	6	that	that	SCONJ
fsr-3390	131	7	the	the	DET
fsr-3390	131	8	differences	difference	NOUN
fsr-3390	131	9	in	in	ADP
fsr-3390	131	10	means	mean	NOUN
fsr-3390	131	11	should	should	AUX
fsr-3390	131	12	not	not	PART
fsr-3390	131	13	be	be	AUX
fsr-3390	131	14	interpreted	interpret	VERB
fsr-3390	131	15	as	as	ADP
fsr-3390	131	16	predictors	predictor	NOUN
fsr-3390	131	17	of	of	ADP
fsr-3390	131	18	help	help	NOUN
fsr-3390	131	19	-	-	PUNCT
fsr-3390	131	20	seeking	seek	VERB
fsr-3390	131	21	behavior	behavior	NOUN
fsr-3390	131	22	.	.	PUNCT
fsr-3390	132	1	instead	instead	ADV
fsr-3390	132	2	,	,	PUNCT
fsr-3390	132	3	the	the	DET
fsr-3390	132	4	results	result	NOUN
fsr-3390	132	5	simply	simply	ADV
fsr-3390	132	6	show	show	VERB
fsr-3390	132	7	what	what	DET
fsr-3390	132	8	characteristics	characteristic	NOUN
fsr-3390	132	9	were	be	AUX
fsr-3390	132	10	associated	associate	VERB
fsr-3390	132	11	with	with	ADP
fsr-3390	132	12	help	help	NOUN
fsr-3390	132	13	-	-	PUNCT
fsr-3390	132	14	seeking	seek	VERB
fsr-3390	132	15	behavior	behavior	NOUN
fsr-3390	132	16	.	.	PUNCT
fsr-3390	133	1	consider	consider	VERB
fsr-3390	133	2	,	,	PUNCT
fsr-3390	133	3	for	for	ADP
fsr-3390	133	4	example	example	NOUN
fsr-3390	133	5	,	,	PUNCT
fsr-3390	133	6	the	the	DET
fsr-3390	133	7	age	age	NOUN
fsr-3390	133	8	result	result	NOUN
fsr-3390	133	9	.	.	PUNCT
fsr-3390	134	1	data	datum	NOUN
fsr-3390	134	2	in	in	ADP
fsr-3390	134	3	table	table	NOUN
fsr-3390	134	4	2	2	NUM
fsr-3390	134	5	provide	provide	VERB
fsr-3390	134	6	a	a	DET
fsr-3390	134	7	more	more	ADV
fsr-3390	134	8	nuanced	nuanced	ADJ
fsr-3390	134	9	insight	insight	NOUN
fsr-3390	134	10	into	into	ADP
fsr-3390	134	11	who	who	PRON
fsr-3390	134	12	was	be	AUX
fsr-3390	134	13	using	use	VERB
fsr-3390	134	14	or	or	CCONJ
fsr-3390	134	15	considering	consider	VERB
fsr-3390	134	16	using	use	VERB
fsr-3390	134	17	a	a	DET
fsr-3390	134	18	financial	financial	ADJ
fsr-3390	134	19	planning	planning	NOUN
fsr-3390	134	20	service	service	NOUN
fsr-3390	134	21	.	.	PUNCT
fsr-3390	135	1	those	those	PRON
fsr-3390	135	2	who	who	PRON
fsr-3390	135	3	used	use	VERB
fsr-3390	135	4	or	or	CCONJ
fsr-3390	135	5	planned	plan	VERB
fsr-3390	135	6	to	to	PART
fsr-3390	135	7	use	use	VERB
fsr-3390	135	8	a	a	DET
fsr-3390	135	9	financial	financial	ADJ
fsr-3390	135	10	planner	planner	NOUN
fsr-3390	135	11	were	be	AUX
fsr-3390	135	12	found	find	VERB
fsr-3390	135	13	to	to	PART
fsr-3390	135	14	be	be	AUX
fsr-3390	135	15	older	old	ADJ
fsr-3390	135	16	than	than	ADP
fsr-3390	135	17	those	those	PRON
fsr-3390	135	18	who	who	PRON
fsr-3390	135	19	used	use	VERB
fsr-3390	135	20	or	or	CCONJ
fsr-3390	135	21	planned	plan	VERB
fsr-3390	135	22	to	to	PART
fsr-3390	135	23	use	use	VERB
fsr-3390	135	24	the	the	DET
fsr-3390	135	25	table	table	NOUN
fsr-3390	135	26	1	1	NUM
fsr-3390	135	27	cross	cross	NOUN
fsr-3390	135	28	tabulations	tabulation	NOUN
fsr-3390	135	29	showing	show	VERB
fsr-3390	135	30	differences	difference	NOUN
fsr-3390	135	31	in	in	ADP
fsr-3390	135	32	help	help	NOUN
fsr-3390	135	33	-	-	PUNCT
fsr-3390	135	34	seeking	seeking	NOUN
fsr-3390	135	35	by	by	ADP
fsr-3390	135	36	gender	gender	NOUN
fsr-3390	135	37	and	and	CCONJ
fsr-3390	135	38	marital	marital	ADJ
fsr-3390	135	39	status	status	NOUN
fsr-3390	135	40	robo	robo	NOUN
fsr-3390	135	41	planner	planner	NOUN
fsr-3390	135	42	both	both	CCONJ
fsr-3390	135	43	neither	neither	CCONJ
fsr-3390	135	44	female	female	ADJ
fsr-3390	135	45	count	count	NOUN
fsr-3390	135	46	27	27	NUM
fsr-3390	135	47	82	82	NUM
fsr-3390	135	48	33	33	NUM
fsr-3390	135	49	152	152	NUM
fsr-3390	135	50	expected	expect	VERB
fsr-3390	135	51	count	count	NOUN
fsr-3390	135	52	27.8	27.8	NUM
fsr-3390	135	53	86.8	86.8	NUM
fsr-3390	135	54	31.7	31.7	NUM
fsr-3390	135	55	147.7	147.7	NUM
fsr-3390	135	56	%	%	NOUN
fsr-3390	135	57	9.2	9.2	NUM
fsr-3390	135	58	%	%	NOUN
fsr-3390	135	59	27.9	27.9	NUM
fsr-3390	135	60	%	%	NOUN
fsr-3390	135	61	11.2	11.2	NUM
fsr-3390	135	62	%	%	NOUN
fsr-3390	135	63	51.7	51.7	NUM
fsr-3390	135	64	%	%	NOUN
fsr-3390	135	65	standardized	standardize	VERB
fsr-3390	135	66	residual	residual	ADJ
fsr-3390	135	67	�	�	PROPN
fsr-3390	135	68	.1	.1	NUM
fsr-3390	135	69	�	�	PROPN
fsr-3390	135	70	.5	.5	NUM
fsr-3390	136	1	.2	.2	NUM
fsr-3390	136	2	.4	.4	NUM
fsr-3390	136	3	male	male	ADJ
fsr-3390	136	4	count	count	NOUN
fsr-3390	136	5	29	29	NUM
fsr-3390	136	6	93	93	NUM
fsr-3390	136	7	31	31	NUM
fsr-3390	136	8	146	146	NUM
fsr-3390	136	9	expected	expect	VERB
fsr-3390	136	10	count	count	NOUN
fsr-3390	136	11	28.2	28.2	NUM
fsr-3390	136	12	88.2	88.2	NUM
fsr-3390	136	13	32.3	32.3	NUM
fsr-3390	136	14	150.3	150.3	NUM
fsr-3390	136	15	%	%	NOUN
fsr-3390	136	16	9.7	9.7	NUM
fsr-3390	136	17	%	%	NOUN
fsr-3390	136	18	31.1	31.1	NUM
fsr-3390	136	19	%	%	NOUN
fsr-3390	136	20	10.4	10.4	NUM
fsr-3390	136	21	%	%	NOUN
fsr-3390	136	22	48.8	48.8	NUM
fsr-3390	136	23	%	%	NOUN
fsr-3390	136	24	standardized	standardize	VERB
fsr-3390	136	25	residual	residual	ADJ
fsr-3390	136	26	.1	.1	NUM
fsr-3390	136	27	.5	.5	NUM
fsr-3390	137	1	�	�	PROPN
fsr-3390	137	2	.2	.2	NUM
fsr-3390	137	3	�	�	PROPN
fsr-3390	137	4	.3	.3	NUM
fsr-3390	137	5	married	married	ADJ
fsr-3390	137	6	count	count	NOUN
fsr-3390	137	7	21	21	NUM
fsr-3390	137	8	87	87	NUM
fsr-3390	137	9	29	29	NUM
fsr-3390	137	10	139	139	NUM
fsr-3390	137	11	expected	expect	VERB
fsr-3390	137	12	count	count	VERB
fsr-3390	137	13	25.9	25.9	NUM
fsr-3390	137	14	80.9	80.9	NUM
fsr-3390	137	15	29.6	29.6	NUM
fsr-3390	137	16	139.6	139.6	NUM
fsr-3390	137	17	percentage	percentage	NOUN
fsr-3390	137	18	within	within	ADP
fsr-3390	137	19	married	married	ADJ
fsr-3390	137	20	�	�	PROPN
fsr-3390	137	21	1	1	NUM
fsr-3390	137	22	7.6	7.6	NUM
fsr-3390	137	23	%	%	NOUN
fsr-3390	137	24	31.5	31.5	NUM
fsr-3390	137	25	%	%	NOUN
fsr-3390	137	26	10.5	10.5	NUM
fsr-3390	137	27	%	%	NOUN
fsr-3390	137	28	50.4	50.4	NUM
fsr-3390	137	29	%	%	NOUN
fsr-3390	137	30	standardized	standardize	VERB
fsr-3390	137	31	residual	residual	ADJ
fsr-3390	137	32	�	�	PROPN
fsr-3390	137	33	1.0	1.0	NUM
fsr-3390	137	34	.7	.7	NUM
fsr-3390	137	35	�	�	PROPN
fsr-3390	137	36	.1	.1	PROPN
fsr-3390	137	37	�	�	PROPN
fsr-3390	137	38	.1	.1	PROPN
fsr-3390	137	39	not	not	PART
fsr-3390	137	40	married	married	ADJ
fsr-3390	137	41	count	count	NOUN
fsr-3390	137	42	35	35	NUM
fsr-3390	137	43	88	88	NUM
fsr-3390	137	44	35	35	NUM
fsr-3390	137	45	163	163	NUM
fsr-3390	137	46	expected	expect	VERB
fsr-3390	137	47	count	count	VERB
fsr-3390	137	48	30.1	30.1	NUM
fsr-3390	137	49	94.1	94.1	NUM
fsr-3390	137	50	34.4	34.4	NUM
fsr-3390	137	51	162.4	162.4	NUM
fsr-3390	137	52	percentage	percentage	NOUN
fsr-3390	137	53	within	within	ADP
fsr-3390	137	54	married	married	ADJ
fsr-3390	137	55	�	�	PROPN
fsr-3390	137	56	1	1	NUM
fsr-3390	137	57	10.9	10.9	NUM
fsr-3390	137	58	%	%	NOUN
fsr-3390	137	59	27.4	27.4	NUM
fsr-3390	137	60	%	%	NOUN
fsr-3390	137	61	10.9	10.9	NUM
fsr-3390	137	62	%	%	NOUN
fsr-3390	137	63	50.8	50.8	NUM
fsr-3390	137	64	%	%	NOUN
fsr-3390	137	65	standardized	standardized	ADJ
fsr-3390	137	66	residual	residual	ADJ
fsr-3390	137	67	.9	.9	NUM
fsr-3390	137	68	�	�	PROPN
fsr-3390	137	69	.6	.6	NUM
fsr-3390	137	70	.1	.1	NUM
fsr-3390	138	1	.0	.0	NUM
fsr-3390	139	1	single	single	ADJ
fsr-3390	139	2	never	never	ADV
fsr-3390	139	3	married	marry	VERB
fsr-3390	139	4	count	count	NOUN
fsr-3390	139	5	25	25	NUM
fsr-3390	139	6	62	62	NUM
fsr-3390	139	7	30	30	NUM
fsr-3390	139	8	122	122	NUM
fsr-3390	139	9	expected	expect	VERB
fsr-3390	139	10	count	count	VERB
fsr-3390	139	11	22.4	22.4	NUM
fsr-3390	139	12	70.1	70.1	NUM
fsr-3390	139	13	25.6	25.6	NUM
fsr-3390	139	14	120.9	120.9	NUM
fsr-3390	139	15	percentage	percentage	NOUN
fsr-3390	139	16	within	within	ADP
fsr-3390	139	17	single	single	ADJ
fsr-3390	139	18	never	never	ADV
fsr-3390	139	19	married	marry	VERB
fsr-3390	139	20	�	�	PROPN
fsr-3390	139	21	1	1	NUM
fsr-3390	139	22	10.5	10.5	NUM
fsr-3390	139	23	%	%	NOUN
fsr-3390	139	24	25.9	25.9	NUM
fsr-3390	139	25	%	%	NOUN
fsr-3390	139	26	12.6	12.6	NUM
fsr-3390	139	27	%	%	NOUN
fsr-3390	139	28	51.0	51.0	NUM
fsr-3390	139	29	%	%	NOUN
fsr-3390	139	30	standardized	standardized	ADJ
fsr-3390	139	31	residual	residual	ADJ
fsr-3390	139	32	.5	.5	NUM
fsr-3390	139	33	�	�	PROPN
fsr-3390	139	34	1.0	1.0	NUM
fsr-3390	139	35	.9	.9	NUM
fsr-3390	139	36	.1	.1	PUNCT
fsr-3390	139	37	other	other	ADJ
fsr-3390	139	38	than	than	ADP
fsr-3390	139	39	single	single	ADJ
fsr-3390	139	40	marital	marital	ADJ
fsr-3390	139	41	status	status	NOUN
fsr-3390	139	42	count	count	VERB
fsr-3390	139	43	31	31	NUM
fsr-3390	139	44	113	113	NUM
fsr-3390	139	45	34	34	NUM
fsr-3390	139	46	180	180	NUM
fsr-3390	139	47	expected	expect	VERB
fsr-3390	139	48	count	count	NOUN
fsr-3390	139	49	33.6	33.6	NUM
fsr-3390	139	50	104.9	104.9	NUM
fsr-3390	139	51	38.4	38.4	NUM
fsr-3390	139	52	181.1	181.1	NUM
fsr-3390	139	53	percentage	percentage	NOUN
fsr-3390	139	54	within	within	ADP
fsr-3390	139	55	single	single	ADJ
fsr-3390	139	56	never	never	ADV
fsr-3390	139	57	married	marry	VERB
fsr-3390	139	58	�	�	PROPN
fsr-3390	139	59	1	1	NUM
fsr-3390	139	60	8.7	8.7	NUM
fsr-3390	139	61	%	%	NOUN
fsr-3390	139	62	31.6	31.6	NUM
fsr-3390	139	63	%	%	NOUN
fsr-3390	139	64	9.5	9.5	NUM
fsr-3390	139	65	%	%	NOUN
fsr-3390	139	66	50.3	50.3	NUM
fsr-3390	139	67	%	%	NOUN
fsr-3390	139	68	standardized	standardize	VERB
fsr-3390	139	69	residual	residual	ADJ
fsr-3390	139	70	�	�	NOUN
fsr-3390	139	71	.4	.4	NUM
fsr-3390	139	72	.8	.8	NUM
fsr-3390	140	1	�	�	PROPN
fsr-3390	140	2	.7	.7	PROPN
fsr-3390	140	3	�	�	PROPN
fsr-3390	140	4	.1	.1	NUM
fsr-3390	140	5	remarried	remarry	VERB
fsr-3390	140	6	,	,	PUNCT
fsr-3390	140	7	widowed	widow	VERB
fsr-3390	140	8	,	,	PUNCT
fsr-3390	140	9	divorced	divorced	ADJ
fsr-3390	140	10	count	count	VERB
fsr-3390	140	11	10	10	NUM
fsr-3390	140	12	26	26	NUM
fsr-3390	140	13	5	5	NUM
fsr-3390	140	14	41	41	NUM
fsr-3390	140	15	expected	expect	VERB
fsr-3390	140	16	count	count	VERB
fsr-3390	140	17	7.7	7.7	NUM
fsr-3390	140	18	24.0	24.0	NUM
fsr-3390	140	19	8.8	8.8	NUM
fsr-3390	140	20	41.5	41.5	NUM
fsr-3390	140	21	percentage	percentage	NOUN
fsr-3390	140	22	within	within	ADP
fsr-3390	140	23	remarried	remarried	ADJ
fsr-3390	140	24	,	,	PUNCT
fsr-3390	140	25	widowed	widow	VERB
fsr-3390	140	26	,	,	PUNCT
fsr-3390	140	27	divorced	divorced	ADJ
fsr-3390	140	28	�	�	PROPN
fsr-3390	140	29	1	1	NUM
fsr-3390	140	30	12.2	12.2	NUM
fsr-3390	140	31	%	%	NOUN
fsr-3390	140	32	31.7	31.7	NUM
fsr-3390	140	33	%	%	NOUN
fsr-3390	140	34	6.1	6.1	NUM
fsr-3390	140	35	%	%	NOUN
fsr-3390	140	36	50.0	50.0	NUM
fsr-3390	140	37	%	%	NOUN
fsr-3390	140	38	standardized	standardized	ADJ
fsr-3390	140	39	residual	residual	ADJ
fsr-3390	140	40	.8	.8	PROPN
fsr-3390	141	1	.4	.4	NUM
fsr-3390	141	2	�	�	PROPN
fsr-3390	141	3	1.3	1.3	NUM
fsr-3390	141	4	�	�	PROPN
fsr-3390	141	5	.1	.1	NUM
fsr-3390	141	6	other	other	ADJ
fsr-3390	141	7	than	than	SCONJ
fsr-3390	141	8	remarried	remarried	ADJ
fsr-3390	141	9	,	,	PUNCT
fsr-3390	141	10	widowed	widow	VERB
fsr-3390	141	11	,	,	PUNCT
fsr-3390	141	12	divorced	divorced	ADJ
fsr-3390	141	13	count	count	VERB
fsr-3390	141	14	46	46	NUM
fsr-3390	141	15	149	149	NUM
fsr-3390	141	16	59	59	NUM
fsr-3390	141	17	261	261	NUM
fsr-3390	141	18	expected	expect	VERB
fsr-3390	141	19	count	count	NOUN
fsr-3390	141	20	48.3	48.3	NUM
fsr-3390	141	21	151.0	151.0	NUM
fsr-3390	141	22	55.2	55.2	NUM
fsr-3390	141	23	260.5	260.5	NUM
fsr-3390	141	24	percentage	percentage	NOUN
fsr-3390	141	25	within	within	ADP
fsr-3390	141	26	remarried	remarried	ADJ
fsr-3390	141	27	,	,	PUNCT
fsr-3390	141	28	widowed	widow	VERB
fsr-3390	141	29	,	,	PUNCT
fsr-3390	141	30	divorced	divorced	ADJ
fsr-3390	141	31	�	�	PROPN
fsr-3390	141	32	1	1	NUM
fsr-3390	141	33	8.9	8.9	NUM
fsr-3390	141	34	%	%	NOUN
fsr-3390	141	35	28.9	28.9	NUM
fsr-3390	141	36	%	%	NOUN
fsr-3390	141	37	11.5	11.5	NUM
fsr-3390	141	38	%	%	NOUN
fsr-3390	141	39	50.7	50.7	NUM
fsr-3390	141	40	%	%	NOUN
fsr-3390	141	41	standardized	standardize	VERB
fsr-3390	141	42	residual	residual	ADJ
fsr-3390	141	43	�	�	PROPN
fsr-3390	141	44	.3	.3	NUM
fsr-3390	141	45	�	�	NOUN
fsr-3390	141	46	.2	.2	NUM
fsr-3390	141	47	.5	.5	NUM
fsr-3390	142	1	.0	.0	NUM
fsr-3390	142	2	179	179	NUM
fsr-3390	142	3	m.	m.	NOUN
fsr-3390	142	4	fulk	fulk	PROPN
fsr-3390	142	5	et	et	PROPN
fsr-3390	142	6	al	al	PROPN
fsr-3390	142	7	.	.	PUNCT
fsr-3390	142	8	/	/	SYM
fsr-3390	142	9	financial	financial	ADJ
fsr-3390	142	10	services	service	NOUN
fsr-3390	142	11	review	review	VERB
fsr-3390	142	12	27	27	NUM
fsr-3390	142	13	(	(	PUNCT
fsr-3390	142	14	2018	2018	NUM
fsr-3390	142	15	)	)	PUNCT
fsr-3390	142	16	173	173	NUM
fsr-3390	142	17	-	-	SYM
fsr-3390	142	18	188	188	NUM
fsr-3390	142	19	table	table	NOUN
fsr-3390	142	20	2	2	NUM
fsr-3390	142	21	anova	anova	X
fsr-3390	142	22	results	result	NOUN
fsr-3390	142	23	related	relate	VERB
fsr-3390	142	24	to	to	PART
fsr-3390	142	25	help	help	AUX
fsr-3390	142	26	-	-	PUNCT
fsr-3390	142	27	seeking	seek	VERB
fsr-3390	142	28	behavior	behavior	NOUN
fsr-3390	142	29	n	n	PRON
fsr-3390	142	30	mean	mean	VERB
fsr-3390	142	31	sd	sd	ADP
fsr-3390	142	32	f	f	PROPN
fsr-3390	142	33	post	post	X
fsr-3390	142	34	hoc	hoc	X
fsr-3390	142	35	test	test	NOUN
fsr-3390	142	36	age	age	NOUN
fsr-3390	142	37	robo	robo	NOUN
fsr-3390	142	38	56	56	NUM
fsr-3390	142	39	34.3750	34.3750	NUM
fsr-3390	142	40	10.36351	10.36351	NUM
fsr-3390	142	41	3.328	3.328	NUM
fsr-3390	142	42	*	*	NOUN
fsr-3390	142	43	planner	planner	NOUN
fsr-3390	142	44	�	�	PROPN
fsr-3390	142	45	both	both	PRON
fsr-3390	142	46	planner	planner	VERB
fsr-3390	142	47	174	174	NUM
fsr-3390	142	48	37.0230	37.0230	NUM
fsr-3390	142	49	11.05109	11.05109	NUM
fsr-3390	142	50	both	both	PRON
fsr-3390	142	51	64	64	NUM
fsr-3390	142	52	32.4531	32.4531	NUM
fsr-3390	142	53	8.74131	8.74131	NUM
fsr-3390	142	54	neither	neither	CCONJ
fsr-3390	142	55	300	300	NUM
fsr-3390	142	56	36.2267	36.2267	NUM
fsr-3390	142	57	10.91447	10.91447	NUM
fsr-3390	142	58	education	education	NOUN
fsr-3390	142	59	robo	robo	NOUN
fsr-3390	142	60	56	56	NUM
fsr-3390	142	61	5.4643	5.4643	NUM
fsr-3390	142	62	1.61768	1.61768	NUM
fsr-3390	142	63	1.113	1.113	NUM
fsr-3390	142	64	no	no	DET
fsr-3390	142	65	differences	difference	NOUN
fsr-3390	142	66	planner	planner	NOUN
fsr-3390	142	67	175	175	NUM
fsr-3390	142	68	5.4743	5.4743	NUM
fsr-3390	142	69	1.69454	1.69454	NUM
fsr-3390	142	70	both	both	PRON
fsr-3390	142	71	64	64	NUM
fsr-3390	142	72	5.5156	5.5156	NUM
fsr-3390	142	73	1.67135	1.67135	NUM
fsr-3390	142	74	neither	neither	CCONJ
fsr-3390	142	75	301	301	NUM
fsr-3390	142	76	5.2292	5.2292	NUM
fsr-3390	142	77	1.70995	1.70995	NUM
fsr-3390	142	78	normalized	normalize	VERB
fsr-3390	142	79	household	household	NOUN
fsr-3390	142	80	income	income	NOUN
fsr-3390	142	81	robo	robo	NOUN
fsr-3390	142	82	55	55	NUM
fsr-3390	142	83	73915.7866	73915.7866	PROPN
fsr-3390	142	84	64190.15510	64190.15510	NUM
fsr-3390	142	85	3.313	3.313	NUM
fsr-3390	142	86	*	*	NOUN
fsr-3390	142	87	planner	planner	NOUN
fsr-3390	142	88	�	�	NOUN
fsr-3390	142	89	neither	neither	CCONJ
fsr-3390	142	90	planner	planner	NOUN
fsr-3390	142	91	157	157	NUM
fsr-3390	142	92	91060.7398	91060.7398	NOUN
fsr-3390	142	93	60051.27519	60051.27519	NOUN
fsr-3390	142	94	both	both	PRON
fsr-3390	142	95	55	55	NUM
fsr-3390	142	96	84177.0123	84177.0123	NOUN
fsr-3390	142	97	61229.55156	61229.55156	NUM
fsr-3390	142	98	neither	neither	CCONJ
fsr-3390	142	99	258	258	NUM
fsr-3390	142	100	71676.4239	71676.4239	NUM
fsr-3390	142	101	65032.61515	65032.61515	NUM
fsr-3390	142	102	normalized	normalize	VERB
fsr-3390	142	103	household	household	NOUN
fsr-3390	142	104	net	net	NOUN
fsr-3390	142	105	worth	worth	ADJ
fsr-3390	142	106	robo	robo	NOUN
fsr-3390	142	107	54	54	NUM
fsr-3390	142	108	63105.0342	63105.0342	NOUN
fsr-3390	142	109	405920.06781	405920.06781	NUM
fsr-3390	143	1	5.911	5.911	NUM
fsr-3390	143	2	*	*	PUNCT
fsr-3390	143	3	*	*	PUNCT
fsr-3390	143	4	*	*	ADJ
fsr-3390	143	5	planner	planner	NOUN
fsr-3390	143	6	�	�	PROPN
fsr-3390	143	7	robo	robo	NOUN
fsr-3390	143	8	planner	planner	NOUN
fsr-3390	143	9	�	�	PROPN
fsr-3390	143	10	neitherplanner	neitherplanner	PROPN
fsr-3390	143	11	160	160	NUM
fsr-3390	143	12	258430.8394	258430.8394	NUM
fsr-3390	143	13	400112.05336	400112.05336	NOUN
fsr-3390	143	14	both	both	DET
fsr-3390	143	15	56	56	NUM
fsr-3390	143	16	150437.9558	150437.9558	NUM
fsr-3390	143	17	350868.55523	350868.55523	NOUN
fsr-3390	143	18	neither	neither	CCONJ
fsr-3390	143	19	265	265	NUM
fsr-3390	143	20	113753.6146	113753.6146	NUM
fsr-3390	143	21	376795.38976	376795.38976	NUM
fsr-3390	143	22	normalized	normalize	VERB
fsr-3390	143	23	percent	percent	NOUN
fsr-3390	143	24	of	of	ADP
fsr-3390	143	25	net	net	ADJ
fsr-3390	143	26	worth	worth	NOUN
fsr-3390	143	27	because	because	SCONJ
fsr-3390	143	28	of	of	ADP
fsr-3390	143	29	inheritance	inheritance	NOUN
fsr-3390	143	30	robo	robo	NOUN
fsr-3390	143	31	55	55	NUM
fsr-3390	143	32	3.4282	3.4282	NUM
fsr-3390	143	33	6.94182	6.94182	NUM
fsr-3390	143	34	7.876	7.876	NUM
fsr-3390	143	35	*	*	PUNCT
fsr-3390	143	36	*	*	PUNCT
fsr-3390	143	37	*	*	PUNCT
fsr-3390	143	38	planner	planner	NOUN
fsr-3390	143	39	�	�	PROPN
fsr-3390	143	40	robo	robo	NOUN
fsr-3390	143	41	planner	planner	NOUN
fsr-3390	143	42	�	�	PROPN
fsr-3390	143	43	neitherplanner	neitherplanner	PROPN
fsr-3390	143	44	175	175	NUM
fsr-3390	143	45	12.0661	12.0661	NUM
fsr-3390	143	46	14.64660	14.64660	NUM
fsr-3390	143	47	both	both	PRON
fsr-3390	143	48	64	64	NUM
fsr-3390	143	49	8.0936	8.0936	NUM
fsr-3390	143	50	12.10211	12.10211	NUM
fsr-3390	143	51	neither	neither	CCONJ
fsr-3390	143	52	300	300	NUM
fsr-3390	143	53	7.8226	7.8226	NUM
fsr-3390	143	54	12.25119	12.25119	NUM
fsr-3390	143	55	percent	percent	NOUN
fsr-3390	143	56	of	of	ADP
fsr-3390	143	57	income	income	NOUN
fsr-3390	143	58	saved	save	VERB
fsr-3390	143	59	robo	robo	NOUN
fsr-3390	143	60	56	56	NUM
fsr-3390	143	61	14.4643	14.4643	NUM
fsr-3390	143	62	13.98826	13.98826	NUM
fsr-3390	143	63	2.460	2.460	NUM
fsr-3390	143	64	no	no	DET
fsr-3390	143	65	differences	difference	NOUN
fsr-3390	143	66	planner	planner	NOUN
fsr-3390	143	67	175	175	NUM
fsr-3390	143	68	13.5829	13.5829	NUM
fsr-3390	143	69	12.17604	12.17604	NUM
fsr-3390	143	70	both	both	PRON
fsr-3390	143	71	64	64	NUM
fsr-3390	143	72	15.4531	15.4531	NUM
fsr-3390	143	73	13.89979	13.89979	NUM
fsr-3390	143	74	neither	neither	CCONJ
fsr-3390	143	75	301	301	NUM
fsr-3390	143	76	11.5017	11.5017	NUM
fsr-3390	143	77	12.79782	12.79782	NUM
fsr-3390	143	78	ignore	ignore	VERB
fsr-3390	143	79	budget	budget	NOUN
fsr-3390	143	80	when	when	SCONJ
fsr-3390	143	81	making	make	VERB
fsr-3390	143	82	large	large	ADJ
fsr-3390	143	83	purchases	purchase	NOUN
fsr-3390	143	84	robo	robo	VERB
fsr-3390	143	85	56	56	NUM
fsr-3390	143	86	1.9464	1.9464	NUM
fsr-3390	143	87	.74881	.74881	NOUN
fsr-3390	143	88	3.657	3.657	NUM
fsr-3390	143	89	*	*	PUNCT
fsr-3390	143	90	both	both	DET
fsr-3390	143	91	�	�	PROPN
fsr-3390	143	92	robo	robo	NOUN
fsr-3390	143	93	planner	planner	NOUN
fsr-3390	143	94	175	175	NUM
fsr-3390	143	95	2.2857	2.2857	NUM
fsr-3390	143	96	.80841	.80841	ADP
fsr-3390	143	97	both	both	DET
fsr-3390	143	98	63	63	NUM
fsr-3390	143	99	2.4286	2.4286	NUM
fsr-3390	143	100	.92831	.92831	ADP
fsr-3390	143	101	neither	neither	CCONJ
fsr-3390	143	102	300	300	NUM
fsr-3390	143	103	2.1933	2.1933	NUM
fsr-3390	143	104	.87091	.87091	NUM
fsr-3390	143	105	financial	financial	ADJ
fsr-3390	143	106	satisfaction	satisfaction	NOUN
fsr-3390	143	107	robo	robo	NOUN
fsr-3390	143	108	56	56	NUM
fsr-3390	143	109	2.6786	2.6786	NUM
fsr-3390	143	110	1.06356	1.06356	NUM
fsr-3390	143	111	1.762	1.762	NUM
fsr-3390	143	112	no	no	DET
fsr-3390	143	113	differences	difference	NOUN
fsr-3390	143	114	planner	planner	NOUN
fsr-3390	143	115	175	175	NUM
fsr-3390	143	116	3.0286	3.0286	NUM
fsr-3390	143	117	1.08505	1.08505	NUM
fsr-3390	143	118	both	both	PRON
fsr-3390	143	119	63	63	NUM
fsr-3390	143	120	3.0635	3.0635	NUM
fsr-3390	143	121	1.04531	1.04531	NUM
fsr-3390	143	122	neither	neither	CCONJ
fsr-3390	143	123	302	302	NUM
fsr-3390	143	124	2.9238	2.9238	NUM
fsr-3390	143	125	1.09552	1.09552	NUM
fsr-3390	143	126	consider	consider	VERB
fsr-3390	143	127	self	self	NOUN
fsr-3390	143	128	to	to	PART
fsr-3390	143	129	be	be	AUX
fsr-3390	143	130	savvy	savvy	ADJ
fsr-3390	143	131	investor	investor	NOUN
fsr-3390	143	132	robo	robo	NOUN
fsr-3390	143	133	56	56	NUM
fsr-3390	143	134	2.9464	2.9464	NUM
fsr-3390	143	135	.94233	.94233	NOUN
fsr-3390	143	136	1.510	1.510	NUM
fsr-3390	143	137	no	no	DET
fsr-3390	143	138	differences	difference	NOUN
fsr-3390	143	139	planner	planner	NOUN
fsr-3390	143	140	174	174	NUM
fsr-3390	143	141	2.8563	2.8563	NUM
fsr-3390	143	142	.89122	.89122	NOUN
fsr-3390	143	143	both	both	DET
fsr-3390	143	144	64	64	NUM
fsr-3390	143	145	3.0000	3.0000	NUM
fsr-3390	143	146	.79682	.79682	NOUN
fsr-3390	144	1	neither	neither	DET
fsr-3390	144	2	302	302	NUM
fsr-3390	144	3	2.7616	2.7616	NUM
fsr-3390	144	4	1.02272	1.02272	NUM
fsr-3390	144	5	(	(	PUNCT
fsr-3390	144	6	continued	continue	VERB
fsr-3390	144	7	on	on	ADP
fsr-3390	144	8	next	next	ADJ
fsr-3390	144	9	page	page	NOUN
fsr-3390	144	10	)	)	PUNCT
fsr-3390	144	11	180	180	NUM
fsr-3390	144	12	m.	m.	NOUN
fsr-3390	144	13	fulk	fulk	PROPN
fsr-3390	144	14	et	et	PROPN
fsr-3390	144	15	al	al	PROPN
fsr-3390	144	16	.	.	PUNCT
fsr-3390	144	17	/	/	SYM
fsr-3390	144	18	financial	financial	ADJ
fsr-3390	144	19	services	service	NOUN
fsr-3390	144	20	review	review	VERB
fsr-3390	144	21	27	27	NUM
fsr-3390	144	22	(	(	PUNCT
fsr-3390	144	23	2018	2018	NUM
fsr-3390	144	24	)	)	PUNCT
fsr-3390	144	25	173	173	NUM
fsr-3390	144	26	-	-	SYM
fsr-3390	144	27	188	188	NUM
fsr-3390	144	28	services	service	NOUN
fsr-3390	144	29	of	of	ADP
fsr-3390	144	30	both	both	CCONJ
fsr-3390	144	31	a	a	DET
fsr-3390	144	32	robo	robo	NOUN
fsr-3390	144	33	-	-	PUNCT
fsr-3390	144	34	advisor	advisor	NOUN
fsr-3390	144	35	and	and	CCONJ
fsr-3390	144	36	a	a	DET
fsr-3390	144	37	financial	financial	ADJ
fsr-3390	144	38	planner	planner	NOUN
fsr-3390	144	39	.	.	PUNCT
fsr-3390	145	1	the	the	DET
fsr-3390	145	2	age	age	NOUN
fsr-3390	145	3	of	of	ADP
fsr-3390	145	4	those	those	PRON
fsr-3390	145	5	using	use	VERB
fsr-3390	145	6	a	a	DET
fsr-3390	145	7	robo	robo	NOUN
fsr-3390	145	8	-	-	PUNCT
fsr-3390	145	9	advisor	advisor	NOUN
fsr-3390	145	10	was	be	AUX
fsr-3390	145	11	less	less	ADJ
fsr-3390	145	12	than	than	ADP
fsr-3390	145	13	the	the	DET
fsr-3390	145	14	age	age	NOUN
fsr-3390	145	15	of	of	ADP
fsr-3390	145	16	those	those	PRON
fsr-3390	145	17	who	who	PRON
fsr-3390	145	18	used	use	VERB
fsr-3390	145	19	a	a	DET
fsr-3390	145	20	financial	financial	ADJ
fsr-3390	145	21	planner	planner	NOUN
fsr-3390	145	22	,	,	PUNCT
fsr-3390	145	23	but	but	CCONJ
fsr-3390	145	24	the	the	DET
fsr-3390	145	25	difference	difference	NOUN
fsr-3390	145	26	was	be	AUX
fsr-3390	145	27	not	not	PART
fsr-3390	145	28	significant	significant	ADJ
fsr-3390	145	29	.	.	PUNCT
fsr-3390	146	1	based	base	VERB
fsr-3390	146	2	on	on	ADP
fsr-3390	146	3	what	what	PRON
fsr-3390	146	4	has	have	AUX
fsr-3390	146	5	been	be	AUX
fsr-3390	146	6	reported	report	VERB
fsr-3390	146	7	in	in	ADP
fsr-3390	146	8	the	the	DET
fsr-3390	146	9	literature	literature	NOUN
fsr-3390	146	10	,	,	PUNCT
fsr-3390	146	11	it	it	PRON
fsr-3390	146	12	was	be	AUX
fsr-3390	146	13	not	not	PART
fsr-3390	146	14	surprising	surprising	ADJ
fsr-3390	146	15	that	that	SCONJ
fsr-3390	146	16	household	household	NOUN
fsr-3390	146	17	income	income	NOUN
fsr-3390	146	18	was	be	AUX
fsr-3390	146	19	highest	high	ADJ
fsr-3390	146	20	for	for	ADP
fsr-3390	146	21	those	those	PRON
fsr-3390	146	22	working	work	VERB
fsr-3390	146	23	with	with	ADP
fsr-3390	146	24	a	a	DET
fsr-3390	146	25	traditional	traditional	ADJ
fsr-3390	146	26	financial	financial	ADJ
fsr-3390	146	27	planner	planner	NOUN
fsr-3390	146	28	.	.	PUNCT
fsr-3390	147	1	a	a	DET
fsr-3390	147	2	statistical	statistical	ADJ
fsr-3390	147	3	difference	difference	NOUN
fsr-3390	147	4	in	in	ADP
fsr-3390	147	5	the	the	DET
fsr-3390	147	6	test	test	NOUN
fsr-3390	147	7	was	be	AUX
fsr-3390	147	8	noted	note	VERB
fsr-3390	147	9	between	between	ADP
fsr-3390	147	10	those	those	PRON
fsr-3390	147	11	who	who	PRON
fsr-3390	147	12	used	use	VERB
fsr-3390	147	13	a	a	DET
fsr-3390	147	14	financial	financial	ADJ
fsr-3390	147	15	planner	planner	NOUN
fsr-3390	147	16	and	and	CCONJ
fsr-3390	147	17	those	those	PRON
fsr-3390	147	18	who	who	PRON
fsr-3390	147	19	had	have	VERB
fsr-3390	147	20	no	no	DET
fsr-3390	147	21	intention	intention	NOUN
fsr-3390	147	22	of	of	ADP
fsr-3390	147	23	working	work	VERB
fsr-3390	147	24	with	with	ADP
fsr-3390	147	25	either	either	CCONJ
fsr-3390	147	26	a	a	DET
fsr-3390	147	27	robo	robo	NOUN
fsr-3390	147	28	-	-	PUNCT
fsr-3390	147	29	advisor	advisor	NOUN
fsr-3390	147	30	or	or	CCONJ
fsr-3390	147	31	financial	financial	ADJ
fsr-3390	147	32	planner	planner	NOUN
fsr-3390	147	33	.	.	PUNCT
fsr-3390	148	1	the	the	DET
fsr-3390	148	2	net	net	ADJ
fsr-3390	148	3	worth	worth	ADJ
fsr-3390	148	4	finding	find	VERB
fsr-3390	148	5	provides	provide	VERB
fsr-3390	148	6	more	more	ADJ
fsr-3390	148	7	insight	insight	NOUN
fsr-3390	148	8	into	into	ADP
fsr-3390	148	9	the	the	DET
fsr-3390	148	10	help	help	NOUN
fsr-3390	148	11	-	-	PUNCT
fsr-3390	148	12	seeking	seek	VERB
fsr-3390	148	13	issue	issue	NOUN
fsr-3390	148	14	.	.	PUNCT
fsr-3390	149	1	those	those	PRON
fsr-3390	149	2	who	who	PRON
fsr-3390	149	3	used	use	VERB
fsr-3390	149	4	a	a	DET
fsr-3390	149	5	traditional	traditional	ADJ
fsr-3390	149	6	financial	financial	ADJ
fsr-3390	149	7	planner	planner	NOUN
fsr-3390	149	8	had	have	VERB
fsr-3390	149	9	the	the	DET
fsr-3390	149	10	highest	high	ADJ
fsr-3390	149	11	net	net	ADJ
fsr-3390	149	12	worth	worth	NOUN
fsr-3390	149	13	,	,	PUNCT
fsr-3390	149	14	while	while	SCONJ
fsr-3390	149	15	users	user	NOUN
fsr-3390	149	16	of	of	ADP
fsr-3390	149	17	robo	robo	NOUN
fsr-3390	149	18	-	-	PUNCT
fsr-3390	149	19	advisors	advisor	NOUN
fsr-3390	149	20	had	have	VERB
fsr-3390	149	21	the	the	DET
fsr-3390	149	22	lowest	low	ADJ
fsr-3390	149	23	net	net	ADJ
fsr-3390	149	24	worth	worth	NOUN
fsr-3390	149	25	(	(	PUNCT
fsr-3390	149	26	although	although	SCONJ
fsr-3390	149	27	not	not	PART
fsr-3390	149	28	the	the	DET
fsr-3390	149	29	lowest	low	ADJ
fsr-3390	149	30	income	income	NOUN
fsr-3390	149	31	)	)	PUNCT
fsr-3390	149	32	.	.	PUNCT
fsr-3390	150	1	also	also	ADV
fsr-3390	150	2	,	,	PUNCT
fsr-3390	150	3	the	the	DET
fsr-3390	150	4	net	net	ADJ
fsr-3390	150	5	worth	worth	NOUN
fsr-3390	150	6	of	of	ADP
fsr-3390	150	7	those	those	PRON
fsr-3390	150	8	who	who	PRON
fsr-3390	150	9	worked	work	VERB
fsr-3390	150	10	with	with	ADP
fsr-3390	150	11	a	a	DET
fsr-3390	150	12	financial	financial	ADJ
fsr-3390	150	13	planner	planner	NOUN
fsr-3390	150	14	was	be	AUX
fsr-3390	150	15	higher	high	ADJ
fsr-3390	150	16	than	than	ADP
fsr-3390	150	17	the	the	DET
fsr-3390	150	18	net	net	ADJ
fsr-3390	150	19	worth	worth	NOUN
fsr-3390	150	20	of	of	ADP
fsr-3390	150	21	those	those	PRON
fsr-3390	150	22	who	who	PRON
fsr-3390	150	23	had	have	VERB
fsr-3390	150	24	no	no	DET
fsr-3390	150	25	plans	plan	NOUN
fsr-3390	150	26	to	to	PART
fsr-3390	150	27	work	work	VERB
fsr-3390	150	28	with	with	ADP
fsr-3390	150	29	either	either	CCONJ
fsr-3390	150	30	a	a	DET
fsr-3390	150	31	robo	robo	NOUN
fsr-3390	150	32	-	-	PUNCT
fsr-3390	150	33	advisor	advisor	NOUN
fsr-3390	150	34	or	or	CCONJ
fsr-3390	150	35	traditional	traditional	ADJ
fsr-3390	150	36	financial	financial	ADJ
fsr-3390	150	37	planner	planner	NOUN
fsr-3390	150	38	.	.	PUNCT
fsr-3390	151	1	an	an	DET
fsr-3390	151	2	almost	almost	ADV
fsr-3390	151	3	identical	identical	ADJ
fsr-3390	151	4	finding	finding	NOUN
fsr-3390	151	5	was	be	AUX
fsr-3390	151	6	noted	note	VERB
fsr-3390	151	7	for	for	ADP
fsr-3390	151	8	the	the	DET
fsr-3390	151	9	inheritance	inheritance	NOUN
fsr-3390	151	10	variable	variable	NOUN
fsr-3390	151	11	.	.	PUNCT
fsr-3390	152	1	overall	overall	ADV
fsr-3390	152	2	,	,	PUNCT
fsr-3390	152	3	those	those	PRON
fsr-3390	152	4	who	who	PRON
fsr-3390	152	5	reported	report	VERB
fsr-3390	152	6	working	work	VERB
fsr-3390	152	7	with	with	ADP
fsr-3390	152	8	a	a	DET
fsr-3390	152	9	traditional	traditional	ADJ
fsr-3390	152	10	financial	financial	ADJ
fsr-3390	152	11	planner	planner	NOUN
fsr-3390	152	12	reported	report	VERB
fsr-3390	152	13	a	a	DET
fsr-3390	152	14	larger	large	ADJ
fsr-3390	152	15	percentage	percentage	NOUN
fsr-3390	152	16	of	of	ADP
fsr-3390	152	17	their	their	PRON
fsr-3390	152	18	total	total	ADJ
fsr-3390	152	19	net	net	ADJ
fsr-3390	152	20	worth	worth	NOUN
fsr-3390	152	21	from	from	ADP
fsr-3390	152	22	an	an	DET
fsr-3390	152	23	inheritance	inheritance	NOUN
fsr-3390	152	24	.	.	PUNCT
fsr-3390	153	1	the	the	DET
fsr-3390	153	2	lowest	low	ADJ
fsr-3390	153	3	percentage	percentage	NOUN
fsr-3390	153	4	of	of	ADP
fsr-3390	153	5	net	net	ADJ
fsr-3390	153	6	worth	worth	NOUN
fsr-3390	153	7	from	from	ADP
fsr-3390	153	8	an	an	DET
fsr-3390	153	9	inheritance	inheritance	NOUN
fsr-3390	153	10	was	be	AUX
fsr-3390	153	11	reported	report	VERB
fsr-3390	153	12	by	by	ADP
fsr-3390	153	13	robo	robo	NOUN
fsr-3390	153	14	-	-	PUNCT
fsr-3390	153	15	advisor	advisor	NOUN
fsr-3390	153	16	users	user	NOUN
fsr-3390	153	17	.	.	PUNCT
fsr-3390	154	1	this	this	PRON
fsr-3390	154	2	may	may	AUX
fsr-3390	154	3	be	be	AUX
fsr-3390	154	4	related	relate	VERB
fsr-3390	154	5	to	to	ADP
fsr-3390	154	6	the	the	DET
fsr-3390	154	7	tendency	tendency	NOUN
fsr-3390	154	8	among	among	SCONJ
fsr-3390	154	9	robo	robo	NOUN
fsr-3390	154	10	-	-	PUNCT
fsr-3390	154	11	advisor	advisor	NOUN
fsr-3390	154	12	users	user	NOUN
fsr-3390	154	13	to	to	PART
fsr-3390	154	14	be	be	AUX
fsr-3390	154	15	younger	young	ADJ
fsr-3390	154	16	,	,	PUNCT
fsr-3390	154	17	which	which	PRON
fsr-3390	154	18	means	mean	VERB
fsr-3390	154	19	they	they	PRON
fsr-3390	154	20	may	may	AUX
fsr-3390	154	21	not	not	PART
fsr-3390	154	22	have	have	AUX
fsr-3390	154	23	yet	yet	ADV
fsr-3390	154	24	received	receive	VERB
fsr-3390	154	25	an	an	DET
fsr-3390	154	26	inheritance	inheritance	NOUN
fsr-3390	154	27	.	.	PUNCT
fsr-3390	155	1	according	accord	VERB
fsr-3390	155	2	to	to	ADP
fsr-3390	155	3	the	the	DET
fsr-3390	155	4	anova	anova	PROPN
fsr-3390	155	5	results	result	NOUN
fsr-3390	155	6	,	,	PUNCT
fsr-3390	155	7	impulsivity	impulsivity	NOUN
fsr-3390	155	8	was	be	AUX
fsr-3390	155	9	found	find	VERB
fsr-3390	155	10	to	to	PART
fsr-3390	155	11	be	be	AUX
fsr-3390	155	12	associated	associate	VERB
fsr-3390	155	13	with	with	ADP
fsr-3390	155	14	helpseeking	helpseeke	VERB
fsr-3390	155	15	behavior	behavior	NOUN
fsr-3390	155	16	.	.	PUNCT
fsr-3390	156	1	those	those	PRON
fsr-3390	156	2	who	who	PRON
fsr-3390	156	3	more	more	ADV
fsr-3390	156	4	frequently	frequently	ADV
fsr-3390	156	5	ignored	ignore	VERB
fsr-3390	156	6	their	their	PRON
fsr-3390	156	7	budget	budget	NOUN
fsr-3390	156	8	when	when	SCONJ
fsr-3390	156	9	making	make	VERB
fsr-3390	156	10	a	a	DET
fsr-3390	156	11	large	large	ADJ
fsr-3390	156	12	purchase	purchase	NOUN
fsr-3390	156	13	reported	report	VERB
fsr-3390	156	14	using	use	VERB
fsr-3390	156	15	the	the	DET
fsr-3390	156	16	services	service	NOUN
fsr-3390	156	17	of	of	ADP
fsr-3390	156	18	both	both	CCONJ
fsr-3390	156	19	a	a	DET
fsr-3390	156	20	robo	robo	NOUN
fsr-3390	156	21	-	-	PUNCT
fsr-3390	156	22	advisor	advisor	NOUN
fsr-3390	156	23	and	and	CCONJ
fsr-3390	156	24	a	a	DET
fsr-3390	156	25	financial	financial	ADJ
fsr-3390	156	26	planner	planner	NOUN
fsr-3390	156	27	.	.	PUNCT
fsr-3390	157	1	the	the	DET
fsr-3390	157	2	least	least	ADJ
fsr-3390	157	3	impulsive	impulsive	ADJ
fsr-3390	157	4	were	be	AUX
fsr-3390	157	5	users	user	NOUN
fsr-3390	157	6	of	of	ADP
fsr-3390	157	7	robo	robo	NOUN
fsr-3390	157	8	-	-	PUNCT
fsr-3390	157	9	advisors	advisor	NOUN
fsr-3390	157	10	.	.	PUNCT
fsr-3390	158	1	one	one	NUM
fsr-3390	158	2	attitudinal	attitudinal	ADJ
fsr-3390	158	3	variable	variable	NOUN
fsr-3390	158	4	was	be	AUX
fsr-3390	158	5	found	find	VERB
fsr-3390	158	6	to	to	PART
fsr-3390	158	7	be	be	AUX
fsr-3390	158	8	related	relate	VERB
fsr-3390	158	9	to	to	PART
fsr-3390	158	10	help	help	AUX
fsr-3390	158	11	-	-	PUNCT
fsr-3390	158	12	seeking	seek	VERB
fsr-3390	158	13	behavior	behavior	NOUN
fsr-3390	158	14	.	.	PUNCT
fsr-3390	159	1	those	those	PRON
fsr-3390	159	2	least	least	ADV
fsr-3390	159	3	disappointed	disappoint	VERB
fsr-3390	159	4	by	by	ADP
fsr-3390	159	5	their	their	PRON
fsr-3390	159	6	financial	financial	ADJ
fsr-3390	159	7	decisions	decision	NOUN
fsr-3390	159	8	tended	tend	VERB
fsr-3390	159	9	to	to	PART
fsr-3390	159	10	use	use	VERB
fsr-3390	159	11	the	the	DET
fsr-3390	159	12	table	table	NOUN
fsr-3390	159	13	2	2	NUM
fsr-3390	159	14	(	(	PUNCT
fsr-3390	159	15	continued	continue	VERB
fsr-3390	159	16	)	)	PUNCT
fsr-3390	159	17	n	n	CCONJ
fsr-3390	159	18	mean	mean	VERB
fsr-3390	159	19	sd	sd	SCONJ
fsr-3390	159	20	f	f	PROPN
fsr-3390	159	21	post	post	X
fsr-3390	159	22	hoc	hoc	X
fsr-3390	159	23	test	test	NOUN
fsr-3390	159	24	household	household	NOUN
fsr-3390	159	25	income	income	NOUN
fsr-3390	159	26	sufficient	sufficient	ADJ
fsr-3390	159	27	to	to	PART
fsr-3390	159	28	meet	meet	VERB
fsr-3390	159	29	needs	need	NOUN
fsr-3390	159	30	robo	robo	NOUN
fsr-3390	159	31	56	56	NUM
fsr-3390	159	32	3.5357	3.5357	NUM
fsr-3390	159	33	1.11133	1.11133	NUM
fsr-3390	159	34	1.337	1.337	NUM
fsr-3390	159	35	no	no	DET
fsr-3390	159	36	differences	difference	NOUN
fsr-3390	159	37	planner	planner	NOUN
fsr-3390	159	38	174	174	NUM
fsr-3390	159	39	3.7471	3.7471	NUM
fsr-3390	159	40	1.07755	1.07755	NUM
fsr-3390	159	41	both	both	PRON
fsr-3390	159	42	64	64	NUM
fsr-3390	159	43	3.6563	3.6563	NUM
fsr-3390	159	44	1.02692	1.02692	NUM
fsr-3390	159	45	neither	neither	CCONJ
fsr-3390	159	46	302	302	NUM
fsr-3390	159	47	3.5464	3.5464	NUM
fsr-3390	159	48	1.13952	1.13952	NUM
fsr-3390	159	49	do	do	AUX
fsr-3390	159	50	not	not	PART
fsr-3390	159	51	know	know	VERB
fsr-3390	159	52	how	how	SCONJ
fsr-3390	159	53	own	own	ADJ
fsr-3390	159	54	investments	investment	NOUN
fsr-3390	159	55	are	be	AUX
fsr-3390	159	56	performing	perform	VERB
fsr-3390	159	57	robo	robo	NOUN
fsr-3390	159	58	56	56	NUM
fsr-3390	159	59	2.1607	2.1607	NUM
fsr-3390	159	60	.86921	.86921	ADP
fsr-3390	159	61	0.783	0.783	NUM
fsr-3390	159	62	no	no	DET
fsr-3390	159	63	differences	difference	NOUN
fsr-3390	159	64	planner	planner	NOUN
fsr-3390	159	65	174	174	NUM
fsr-3390	159	66	2.3851	2.3851	NUM
fsr-3390	159	67	1.01776	1.01776	NUM
fsr-3390	159	68	both	both	PRON
fsr-3390	159	69	64	64	NUM
fsr-3390	159	70	2.2500	2.2500	NUM
fsr-3390	159	71	1.16837	1.16837	NUM
fsr-3390	159	72	neither	neither	CCONJ
fsr-3390	159	73	301	301	NUM
fsr-3390	159	74	2.3289	2.3289	NUM
fsr-3390	159	75	1.03350	1.03350	NUM
fsr-3390	159	76	disappointed	disappoint	VERB
fsr-3390	159	77	by	by	ADP
fsr-3390	159	78	financial	financial	ADJ
fsr-3390	159	79	decisions	decision	NOUN
fsr-3390	159	80	you	you	PRON
fsr-3390	159	81	have	have	AUX
fsr-3390	159	82	made	make	VERB
fsr-3390	159	83	robo	robo	NOUN
fsr-3390	159	84	55	55	NUM
fsr-3390	159	85	2.8909	2.8909	NUM
fsr-3390	159	86	.71162	.71162	NOUN
fsr-3390	159	87	2.617	2.617	NUM
fsr-3390	159	88	*	*	PUNCT
fsr-3390	159	89	both	both	DET
fsr-3390	159	90	�	�	PROPN
fsr-3390	159	91	planner	planner	NOUN
fsr-3390	159	92	planner	planner	NOUN
fsr-3390	159	93	175	175	NUM
fsr-3390	159	94	2.6743	2.6743	NUM
fsr-3390	159	95	.79667	.79667	NOUN
fsr-3390	159	96	both	both	DET
fsr-3390	159	97	64	64	NUM
fsr-3390	159	98	2.9531	2.9531	NUM
fsr-3390	159	99	.86244	.86244	NOUN
fsr-3390	159	100	neither	neither	CCONJ
fsr-3390	159	101	301	301	NUM
fsr-3390	159	102	2.7143	2.7143	NUM
fsr-3390	159	103	.81533	.81533	NUM
fsr-3390	159	104	anova	anova	PROPN
fsr-3390	159	105	�	�	PROPN
fsr-3390	159	106	analysis	analysis	NOUN
fsr-3390	159	107	of	of	ADP
fsr-3390	159	108	variance	variance	NOUN
fsr-3390	159	109	.	.	PUNCT
fsr-3390	160	1	*	*	PUNCT
fsr-3390	160	2	p	p	X
fsr-3390	160	3	�	�	PROPN
fsr-3390	160	4	.05	.05	NUM
fsr-3390	160	5	,	,	PUNCT
fsr-3390	160	6	*	*	PUNCT
fsr-3390	160	7	*	*	PUNCT
fsr-3390	160	8	p	p	PROPN
fsr-3390	160	9	�	�	PROPN
fsr-3390	160	10	.01	.01	NUM
fsr-3390	160	11	,	,	PUNCT
fsr-3390	160	12	*	*	PUNCT
fsr-3390	160	13	*	*	PUNCT
fsr-3390	160	14	*	*	PUNCT
fsr-3390	160	15	p	p	PROPN
fsr-3390	160	16	�	�	PROPN
fsr-3390	160	17	.001	.001	NUM
fsr-3390	160	18	.	.	PUNCT
fsr-3390	161	1	181	181	NUM
fsr-3390	161	2	m.	m.	NOUN
fsr-3390	161	3	fulk	fulk	PROPN
fsr-3390	161	4	et	et	PROPN
fsr-3390	161	5	al	al	PROPN
fsr-3390	161	6	.	.	PUNCT
fsr-3390	161	7	/	/	SYM
fsr-3390	161	8	financial	financial	ADJ
fsr-3390	161	9	services	service	NOUN
fsr-3390	161	10	review	review	VERB
fsr-3390	161	11	27	27	NUM
fsr-3390	161	12	(	(	PUNCT
fsr-3390	161	13	2018	2018	NUM
fsr-3390	161	14	)	)	PUNCT
fsr-3390	161	15	173	173	NUM
fsr-3390	161	16	-	-	SYM
fsr-3390	161	17	188	188	NUM
fsr-3390	161	18	services	service	NOUN
fsr-3390	161	19	of	of	ADP
fsr-3390	161	20	a	a	DET
fsr-3390	161	21	traditional	traditional	ADJ
fsr-3390	161	22	financial	financial	ADJ
fsr-3390	161	23	planner	planner	NOUN
fsr-3390	161	24	.	.	PUNCT
fsr-3390	162	1	those	those	PRON
fsr-3390	162	2	who	who	PRON
fsr-3390	162	3	reported	report	VERB
fsr-3390	162	4	the	the	DET
fsr-3390	162	5	highest	high	ADJ
fsr-3390	162	6	levels	level	NOUN
fsr-3390	162	7	of	of	ADP
fsr-3390	162	8	disappointment	disappointment	NOUN
fsr-3390	162	9	were	be	AUX
fsr-3390	162	10	those	those	PRON
fsr-3390	162	11	who	who	PRON
fsr-3390	162	12	used	use	VERB
fsr-3390	162	13	the	the	DET
fsr-3390	162	14	services	service	NOUN
fsr-3390	162	15	of	of	ADP
fsr-3390	162	16	both	both	PRON
fsr-3390	162	17	robo	robo	NOUN
fsr-3390	162	18	-	-	PUNCT
fsr-3390	162	19	advisors	advisor	NOUN
fsr-3390	162	20	and	and	CCONJ
fsr-3390	162	21	financial	financial	ADJ
fsr-3390	162	22	planners	planner	NOUN
fsr-3390	162	23	.	.	PUNCT
fsr-3390	163	1	several	several	ADJ
fsr-3390	163	2	variables	variable	NOUN
fsr-3390	163	3	were	be	AUX
fsr-3390	163	4	not	not	PART
fsr-3390	163	5	significant	significant	ADJ
fsr-3390	163	6	in	in	ADP
fsr-3390	163	7	the	the	DET
fsr-3390	163	8	anova	anova	PROPN
fsr-3390	163	9	tests	test	NOUN
fsr-3390	163	10	.	.	PUNCT
fsr-3390	164	1	specifically	specifically	ADV
fsr-3390	164	2	,	,	PUNCT
fsr-3390	164	3	percent	percent	NOUN
fsr-3390	164	4	of	of	ADP
fsr-3390	164	5	income	income	NOUN
fsr-3390	164	6	saved	save	VERB
fsr-3390	164	7	,	,	PUNCT
fsr-3390	164	8	financial	financial	ADJ
fsr-3390	164	9	satisfaction	satisfaction	NOUN
fsr-3390	164	10	,	,	PUNCT
fsr-3390	164	11	being	be	AUX
fsr-3390	164	12	a	a	DET
fsr-3390	164	13	savvy	savvy	ADJ
fsr-3390	164	14	investor	investor	NOUN
fsr-3390	164	15	,	,	PUNCT
fsr-3390	164	16	having	have	VERB
fsr-3390	164	17	enough	enough	ADJ
fsr-3390	164	18	income	income	NOUN
fsr-3390	164	19	to	to	PART
fsr-3390	164	20	meet	meet	VERB
fsr-3390	164	21	needs	need	NOUN
fsr-3390	164	22	,	,	PUNCT
fsr-3390	164	23	and	and	CCONJ
fsr-3390	164	24	knowing	know	VERB
fsr-3390	164	25	about	about	ADP
fsr-3390	164	26	investment	investment	NOUN
fsr-3390	164	27	performance	performance	NOUN
fsr-3390	164	28	were	be	AUX
fsr-3390	164	29	not	not	PART
fsr-3390	164	30	associated	associate	VERB
fsr-3390	164	31	with	with	ADP
fsr-3390	164	32	help	help	NOUN
fsr-3390	164	33	-	-	PUNCT
fsr-3390	164	34	seeking	seek	VERB
fsr-3390	164	35	behavior	behavior	NOUN
fsr-3390	164	36	.	.	PUNCT
fsr-3390	165	1	the	the	DET
fsr-3390	165	2	results	result	NOUN
fsr-3390	165	3	from	from	ADP
fsr-3390	165	4	the	the	DET
fsr-3390	165	5	�	�	PROPN
fsr-3390	165	6	2	2	NUM
fsr-3390	165	7	and	and	CCONJ
fsr-3390	165	8	anova	anova	PROPN
fsr-3390	165	9	tests	test	NOUN
fsr-3390	165	10	provided	provide	VERB
fsr-3390	165	11	insights	insight	NOUN
fsr-3390	165	12	into	into	ADP
fsr-3390	165	13	the	the	DET
fsr-3390	165	14	differences	difference	NOUN
fsr-3390	165	15	among	among	ADP
fsr-3390	165	16	those	those	PRON
fsr-3390	165	17	who	who	PRON
fsr-3390	165	18	used	use	VERB
fsr-3390	165	19	only	only	ADV
fsr-3390	165	20	a	a	DET
fsr-3390	165	21	robo	robo	NOUN
fsr-3390	165	22	-	-	PUNCT
fsr-3390	165	23	advisor	advisor	NOUN
fsr-3390	165	24	,	,	PUNCT
fsr-3390	165	25	only	only	ADV
fsr-3390	165	26	a	a	DET
fsr-3390	165	27	financial	financial	ADJ
fsr-3390	165	28	planner	planner	NOUN
fsr-3390	165	29	,	,	PUNCT
fsr-3390	165	30	both	both	CCONJ
fsr-3390	165	31	a	a	DET
fsr-3390	165	32	robo	robo	NOUN
fsr-3390	165	33	-	-	PUNCT
fsr-3390	165	34	advisor	advisor	NOUN
fsr-3390	165	35	and	and	CCONJ
fsr-3390	165	36	a	a	DET
fsr-3390	165	37	financial	financial	ADJ
fsr-3390	165	38	planner	planner	NOUN
fsr-3390	165	39	,	,	PUNCT
fsr-3390	165	40	and	and	CCONJ
fsr-3390	165	41	those	those	PRON
fsr-3390	165	42	who	who	PRON
fsr-3390	165	43	used	use	VERB
fsr-3390	165	44	neither	neither	PRON
fsr-3390	165	45	.	.	PUNCT
fsr-3390	166	1	based	base	VERB
fsr-3390	166	2	only	only	ADV
fsr-3390	166	3	on	on	ADP
fsr-3390	166	4	bivariate	bivariate	ADJ
fsr-3390	166	5	relationships	relationship	NOUN
fsr-3390	166	6	,	,	PUNCT
fsr-3390	166	7	the	the	DET
fsr-3390	166	8	services	service	NOUN
fsr-3390	166	9	of	of	ADP
fsr-3390	166	10	traditional	traditional	ADJ
fsr-3390	166	11	financial	financial	ADJ
fsr-3390	166	12	planners	planner	NOUN
fsr-3390	166	13	appear	appear	VERB
fsr-3390	166	14	to	to	PART
fsr-3390	166	15	appeal	appeal	VERB
fsr-3390	166	16	to	to	ADP
fsr-3390	166	17	those	those	PRON
fsr-3390	166	18	with	with	ADP
fsr-3390	166	19	greater	great	ADJ
fsr-3390	166	20	income	income	NOUN
fsr-3390	166	21	and	and	CCONJ
fsr-3390	166	22	net	net	ADJ
fsr-3390	166	23	worth	worth	NOUN
fsr-3390	166	24	.	.	PUNCT
fsr-3390	167	1	there	there	PRON
fsr-3390	167	2	was	be	VERB
fsr-3390	167	3	a	a	DET
fsr-3390	167	4	statistically	statistically	ADV
fsr-3390	167	5	significant	significant	ADJ
fsr-3390	167	6	difference	difference	NOUN
fsr-3390	167	7	in	in	ADP
fsr-3390	167	8	the	the	DET
fsr-3390	167	9	average	average	ADJ
fsr-3390	167	10	income	income	NOUN
fsr-3390	167	11	and	and	CCONJ
fsr-3390	167	12	net	net	ADJ
fsr-3390	167	13	worth	worth	NOUN
fsr-3390	167	14	of	of	ADP
fsr-3390	167	15	those	those	PRON
fsr-3390	167	16	who	who	PRON
fsr-3390	167	17	used	use	VERB
fsr-3390	167	18	a	a	DET
fsr-3390	167	19	financial	financial	ADJ
fsr-3390	167	20	planner	planner	NOUN
fsr-3390	167	21	compared	compare	VERB
fsr-3390	167	22	with	with	ADP
fsr-3390	167	23	those	those	PRON
fsr-3390	167	24	who	who	PRON
fsr-3390	167	25	did	do	AUX
fsr-3390	167	26	not	not	PART
fsr-3390	167	27	use	use	VERB
fsr-3390	167	28	either	either	DET
fsr-3390	167	29	service	service	NOUN
fsr-3390	167	30	.	.	PUNCT
fsr-3390	168	1	additionally	additionally	ADV
fsr-3390	168	2	,	,	PUNCT
fsr-3390	168	3	the	the	DET
fsr-3390	168	4	use	use	NOUN
fsr-3390	168	5	of	of	ADP
fsr-3390	168	6	a	a	DET
fsr-3390	168	7	traditional	traditional	ADJ
fsr-3390	168	8	financial	financial	ADJ
fsr-3390	168	9	planner	planner	NOUN
fsr-3390	168	10	was	be	AUX
fsr-3390	168	11	related	relate	VERB
fsr-3390	168	12	to	to	ADP
fsr-3390	168	13	receiving	receive	VERB
fsr-3390	168	14	an	an	DET
fsr-3390	168	15	inheritance	inheritance	NOUN
fsr-3390	168	16	.	.	PUNCT
fsr-3390	169	1	those	those	PRON
fsr-3390	169	2	who	who	PRON
fsr-3390	169	3	had	have	AUX
fsr-3390	169	4	received	receive	VERB
fsr-3390	169	5	an	an	DET
fsr-3390	169	6	inheritance	inheritance	NOUN
fsr-3390	169	7	reported	report	VERB
fsr-3390	169	8	working	work	VERB
fsr-3390	169	9	with	with	ADP
fsr-3390	169	10	a	a	DET
fsr-3390	169	11	traditional	traditional	ADJ
fsr-3390	169	12	financial	financial	ADJ
fsr-3390	169	13	planner	planner	NOUN
fsr-3390	169	14	rather	rather	ADV
fsr-3390	169	15	than	than	ADP
fsr-3390	169	16	a	a	DET
fsr-3390	169	17	robo	robo	NOUN
fsr-3390	169	18	-	-	NOUN
fsr-3390	169	19	advisor	advisor	NOUN
fsr-3390	169	20	.	.	PUNCT
fsr-3390	170	1	it	it	PRON
fsr-3390	170	2	may	may	AUX
fsr-3390	170	3	be	be	AUX
fsr-3390	170	4	that	that	SCONJ
fsr-3390	170	5	a	a	DET
fsr-3390	170	6	substantial	substantial	ADJ
fsr-3390	170	7	increase	increase	NOUN
fsr-3390	170	8	in	in	ADP
fsr-3390	170	9	net	net	ADJ
fsr-3390	170	10	worth	worth	NOUN
fsr-3390	170	11	because	because	SCONJ
fsr-3390	170	12	of	of	ADP
fsr-3390	170	13	an	an	DET
fsr-3390	170	14	external	external	ADJ
fsr-3390	170	15	event	event	NOUN
fsr-3390	170	16	prompts	prompt	VERB
fsr-3390	170	17	an	an	DET
fsr-3390	170	18	individual	individual	NOUN
fsr-3390	170	19	or	or	CCONJ
fsr-3390	170	20	family	family	NOUN
fsr-3390	170	21	to	to	PART
fsr-3390	170	22	seek	seek	VERB
fsr-3390	170	23	the	the	DET
fsr-3390	170	24	help	help	NOUN
fsr-3390	170	25	of	of	ADP
fsr-3390	170	26	a	a	DET
fsr-3390	170	27	traditional	traditional	ADJ
fsr-3390	170	28	financial	financial	ADJ
fsr-3390	170	29	planner	planner	NOUN
fsr-3390	170	30	.	.	PUNCT
fsr-3390	171	1	attitudinally	attitudinally	ADV
fsr-3390	171	2	,	,	PUNCT
fsr-3390	171	3	those	those	PRON
fsr-3390	171	4	who	who	PRON
fsr-3390	171	5	worked	work	VERB
fsr-3390	171	6	with	with	ADP
fsr-3390	171	7	a	a	DET
fsr-3390	171	8	traditional	traditional	ADJ
fsr-3390	171	9	financial	financial	ADJ
fsr-3390	171	10	planner	planner	NOUN
fsr-3390	171	11	reported	report	VERB
fsr-3390	171	12	being	be	AUX
fsr-3390	171	13	less	less	ADV
fsr-3390	171	14	disappointed	disappointed	ADJ
fsr-3390	171	15	with	with	ADP
fsr-3390	171	16	past	past	ADJ
fsr-3390	171	17	financial	financial	ADJ
fsr-3390	171	18	decisions	decision	NOUN
fsr-3390	171	19	.	.	PUNCT
fsr-3390	172	1	it	it	PRON
fsr-3390	172	2	is	be	AUX
fsr-3390	172	3	worth	worth	ADJ
fsr-3390	172	4	noting	note	VERB
fsr-3390	172	5	,	,	PUNCT
fsr-3390	172	6	however	however	ADV
fsr-3390	172	7	,	,	PUNCT
fsr-3390	172	8	that	that	SCONJ
fsr-3390	172	9	when	when	SCONJ
fsr-3390	172	10	tested	test	VERB
fsr-3390	172	11	together	together	ADV
fsr-3390	172	12	in	in	ADP
fsr-3390	172	13	one	one	NUM
fsr-3390	172	14	model	model	NOUN
fsr-3390	172	15	,	,	PUNCT
fsr-3390	172	16	some	some	PRON
fsr-3390	172	17	of	of	ADP
fsr-3390	172	18	these	these	DET
fsr-3390	172	19	relationships	relationship	NOUN
fsr-3390	172	20	described	describe	VERB
fsr-3390	172	21	above	above	ADV
fsr-3390	172	22	may	may	AUX
fsr-3390	172	23	change	change	VERB
fsr-3390	172	24	.	.	PUNCT
fsr-3390	173	1	those	those	PRON
fsr-3390	173	2	who	who	PRON
fsr-3390	173	3	used	use	VERB
fsr-3390	173	4	robo	robo	NOUN
fsr-3390	173	5	-	-	PUNCT
fsr-3390	173	6	advisors	advisor	NOUN
fsr-3390	173	7	tended	tend	VERB
fsr-3390	173	8	to	to	PART
fsr-3390	173	9	be	be	AUX
fsr-3390	173	10	younger	young	ADJ
fsr-3390	173	11	,	,	PUNCT
fsr-3390	173	12	but	but	CCONJ
fsr-3390	173	13	the	the	DET
fsr-3390	173	14	difference	difference	NOUN
fsr-3390	173	15	in	in	ADP
fsr-3390	173	16	mean	mean	NOUN
fsr-3390	173	17	age	age	NOUN
fsr-3390	173	18	compared	compare	VERB
fsr-3390	173	19	with	with	ADP
fsr-3390	173	20	those	those	PRON
fsr-3390	173	21	who	who	PRON
fsr-3390	173	22	used	use	VERB
fsr-3390	173	23	traditional	traditional	ADJ
fsr-3390	173	24	financial	financial	ADJ
fsr-3390	173	25	planning	planning	NOUN
fsr-3390	173	26	services	service	NOUN
fsr-3390	173	27	was	be	AUX
fsr-3390	173	28	not	not	PART
fsr-3390	173	29	significant	significant	ADJ
fsr-3390	173	30	.	.	PUNCT
fsr-3390	174	1	users	user	NOUN
fsr-3390	174	2	of	of	ADP
fsr-3390	174	3	robo	robo	NOUN
fsr-3390	174	4	-	-	PUNCT
fsr-3390	174	5	advisory	advisory	ADJ
fsr-3390	174	6	services	service	NOUN
fsr-3390	174	7	also	also	ADV
fsr-3390	174	8	reported	report	VERB
fsr-3390	174	9	having	have	VERB
fsr-3390	174	10	lower	low	ADJ
fsr-3390	174	11	income	income	NOUN
fsr-3390	174	12	and	and	CCONJ
fsr-3390	174	13	lower	low	ADJ
fsr-3390	174	14	net	net	ADJ
fsr-3390	174	15	worth	worth	NOUN
fsr-3390	174	16	.	.	PUNCT
fsr-3390	175	1	additionally	additionally	ADV
fsr-3390	175	2	,	,	PUNCT
fsr-3390	175	3	robo	robo	NOUN
fsr-3390	175	4	-	-	PUNCT
fsr-3390	175	5	advisor	advisor	NOUN
fsr-3390	175	6	users	user	NOUN
fsr-3390	175	7	reported	report	VERB
fsr-3390	175	8	less	less	ADJ
fsr-3390	175	9	wealth	wealth	NOUN
fsr-3390	175	10	from	from	ADP
fsr-3390	175	11	inheritances	inheritance	NOUN
fsr-3390	175	12	,	,	PUNCT
fsr-3390	175	13	but	but	CCONJ
fsr-3390	175	14	they	they	PRON
fsr-3390	175	15	also	also	ADV
fsr-3390	175	16	reported	report	VERB
fsr-3390	175	17	being	be	AUX
fsr-3390	175	18	less	less	ADV
fsr-3390	175	19	impulsive	impulsive	ADJ
fsr-3390	175	20	financially	financially	ADV
fsr-3390	175	21	.	.	PUNCT
fsr-3390	176	1	participants	participant	NOUN
fsr-3390	176	2	who	who	PRON
fsr-3390	176	3	reported	report	VERB
fsr-3390	176	4	the	the	DET
fsr-3390	176	5	combined	combined	ADJ
fsr-3390	176	6	use	use	NOUN
fsr-3390	176	7	of	of	ADP
fsr-3390	176	8	robo	robo	NOUN
fsr-3390	176	9	-	-	PUNCT
fsr-3390	176	10	advisors	advisor	NOUN
fsr-3390	176	11	and	and	CCONJ
fsr-3390	176	12	financial	financial	ADJ
fsr-3390	176	13	planners	planner	NOUN
fsr-3390	176	14	were	be	AUX
fsr-3390	176	15	,	,	PUNCT
fsr-3390	176	16	on	on	ADP
fsr-3390	176	17	average	average	ADJ
fsr-3390	176	18	,	,	PUNCT
fsr-3390	176	19	the	the	DET
fsr-3390	176	20	youngest	young	ADJ
fsr-3390	176	21	and	and	CCONJ
fsr-3390	176	22	most	most	ADV
fsr-3390	176	23	impulsive	impulsive	ADJ
fsr-3390	176	24	.	.	PUNCT
fsr-3390	177	1	those	those	PRON
fsr-3390	177	2	fitting	fit	VERB
fsr-3390	177	3	this	this	DET
fsr-3390	177	4	profile	profile	NOUN
fsr-3390	177	5	may	may	AUX
fsr-3390	177	6	be	be	AUX
fsr-3390	177	7	attempting	attempt	VERB
fsr-3390	177	8	to	to	PART
fsr-3390	177	9	explore	explore	VERB
fsr-3390	177	10	the	the	DET
fsr-3390	177	11	most	most	ADV
fsr-3390	177	12	appropriate	appropriate	ADJ
fsr-3390	177	13	type	type	NOUN
fsr-3390	177	14	of	of	ADP
fsr-3390	177	15	advice	advice	NOUN
fsr-3390	177	16	and	and	CCONJ
fsr-3390	177	17	guidance	guidance	NOUN
fsr-3390	177	18	given	give	VERB
fsr-3390	177	19	their	their	PRON
fsr-3390	177	20	situation	situation	NOUN
fsr-3390	177	21	,	,	PUNCT
fsr-3390	177	22	or	or	CCONJ
fsr-3390	177	23	impulsive	impulsive	ADJ
fsr-3390	177	24	clients	client	NOUN
fsr-3390	177	25	might	might	AUX
fsr-3390	177	26	be	be	AUX
fsr-3390	177	27	signing	sign	VERB
fsr-3390	177	28	up	up	ADP
fsr-3390	177	29	for	for	ADP
fsr-3390	177	30	both	both	DET
fsr-3390	177	31	services	service	NOUN
fsr-3390	177	32	because	because	SCONJ
fsr-3390	177	33	they	they	PRON
fsr-3390	177	34	lack	lack	VERB
fsr-3390	177	35	the	the	DET
fsr-3390	177	36	patience	patience	NOUN
fsr-3390	177	37	to	to	PART
fsr-3390	177	38	research	research	VERB
fsr-3390	177	39	alternatives	alternative	NOUN
fsr-3390	177	40	.	.	PUNCT
fsr-3390	178	1	on	on	ADP
fsr-3390	178	2	the	the	DET
fsr-3390	178	3	other	other	ADJ
fsr-3390	178	4	hand	hand	NOUN
fsr-3390	178	5	,	,	PUNCT
fsr-3390	178	6	the	the	DET
fsr-3390	178	7	propensity	propensity	NOUN
fsr-3390	178	8	for	for	ADP
fsr-3390	178	9	younger	young	ADJ
fsr-3390	178	10	clients	client	NOUN
fsr-3390	178	11	to	to	PART
fsr-3390	178	12	use	use	VERB
fsr-3390	178	13	both	both	DET
fsr-3390	178	14	services	service	NOUN
fsr-3390	178	15	might	might	AUX
fsr-3390	178	16	be	be	AUX
fsr-3390	178	17	best	well	ADV
fsr-3390	178	18	explained	explain	VERB
fsr-3390	178	19	by	by	ADP
fsr-3390	178	20	a	a	DET
fsr-3390	178	21	possible	possible	ADJ
fsr-3390	178	22	quest	quest	NOUN
fsr-3390	178	23	to	to	PART
fsr-3390	178	24	determine	determine	VERB
fsr-3390	178	25	which	which	PRON
fsr-3390	178	26	of	of	ADP
fsr-3390	178	27	the	the	DET
fsr-3390	178	28	two	two	NUM
fsr-3390	178	29	services	service	NOUN
fsr-3390	178	30	provides	provide	VERB
fsr-3390	178	31	the	the	DET
fsr-3390	178	32	best	good	ADJ
fsr-3390	178	33	benefit	benefit	NOUN
fsr-3390	178	34	—	—	PUNCT
fsr-3390	178	35	based	base	VERB
fsr-3390	178	36	on	on	ADP
fsr-3390	178	37	each	each	DET
fsr-3390	178	38	participant	participant	NOUN
fsr-3390	178	39	’s	’s	PART
fsr-3390	178	40	personality	personality	NOUN
fsr-3390	178	41	,	,	PUNCT
fsr-3390	178	42	lifestyle	lifestyle	NOUN
fsr-3390	178	43	choices	choice	NOUN
fsr-3390	178	44	,	,	PUNCT
fsr-3390	178	45	and	and	CCONJ
fsr-3390	178	46	long	long	ADJ
fsr-3390	178	47	-	-	PUNCT
fsr-3390	178	48	term	term	NOUN
fsr-3390	178	49	goals	goal	NOUN
fsr-3390	178	50	—	—	PUNCT
fsr-3390	178	51	at	at	ADP
fsr-3390	178	52	the	the	DET
fsr-3390	178	53	lowest	low	ADJ
fsr-3390	178	54	cost	cost	NOUN
fsr-3390	178	55	.	.	PUNCT
fsr-3390	179	1	those	those	PRON
fsr-3390	179	2	currently	currently	ADV
fsr-3390	179	3	in	in	ADP
fsr-3390	179	4	this	this	DET
fsr-3390	179	5	dual	dual	ADJ
fsr-3390	179	6	use	use	NOUN
fsr-3390	179	7	category	category	NOUN
fsr-3390	179	8	may	may	AUX
fsr-3390	179	9	eventually	eventually	ADV
fsr-3390	179	10	gravitate	gravitate	VERB
fsr-3390	179	11	toward	toward	ADP
fsr-3390	179	12	one	one	NUM
fsr-3390	179	13	service	service	NOUN
fsr-3390	179	14	provider	provider	NOUN
fsr-3390	179	15	and	and	CCONJ
fsr-3390	179	16	drop	drop	VERB
fsr-3390	179	17	the	the	DET
fsr-3390	179	18	other	other	ADJ
fsr-3390	179	19	.	.	PUNCT
fsr-3390	180	1	household	household	NOUN
fsr-3390	180	2	income	income	NOUN
fsr-3390	180	3	was	be	AUX
fsr-3390	180	4	found	find	VERB
fsr-3390	180	5	to	to	PART
fsr-3390	180	6	be	be	AUX
fsr-3390	180	7	a	a	DET
fsr-3390	180	8	driving	drive	VERB
fsr-3390	180	9	factor	factor	NOUN
fsr-3390	180	10	in	in	ADP
fsr-3390	180	11	describing	describe	VERB
fsr-3390	180	12	help	help	NOUN
fsr-3390	180	13	-	-	PUNCT
fsr-3390	180	14	seeking	seek	VERB
fsr-3390	180	15	behavior	behavior	NOUN
fsr-3390	180	16	for	for	ADP
fsr-3390	180	17	those	those	PRON
fsr-3390	180	18	who	who	PRON
fsr-3390	180	19	were	be	AUX
fsr-3390	180	20	not	not	PART
fsr-3390	180	21	currently	currently	ADV
fsr-3390	180	22	using	use	VERB
fsr-3390	180	23	the	the	DET
fsr-3390	180	24	services	service	NOUN
fsr-3390	180	25	of	of	ADP
fsr-3390	180	26	a	a	DET
fsr-3390	180	27	robo	robo	NOUN
fsr-3390	180	28	-	-	PUNCT
fsr-3390	180	29	advisor	advisor	NOUN
fsr-3390	180	30	,	,	PUNCT
fsr-3390	180	31	a	a	DET
fsr-3390	180	32	traditional	traditional	ADJ
fsr-3390	180	33	financial	financial	ADJ
fsr-3390	180	34	planner	planner	NOUN
fsr-3390	180	35	,	,	PUNCT
fsr-3390	180	36	or	or	CCONJ
fsr-3390	180	37	did	do	AUX
fsr-3390	180	38	not	not	PART
fsr-3390	180	39	plan	plan	VERB
fsr-3390	180	40	to	to	PART
fsr-3390	180	41	use	use	VERB
fsr-3390	180	42	services	service	NOUN
fsr-3390	180	43	of	of	ADP
fsr-3390	180	44	either	either	DET
fsr-3390	180	45	type	type	NOUN
fsr-3390	180	46	of	of	ADP
fsr-3390	180	47	provider	provider	NOUN
fsr-3390	180	48	in	in	ADP
fsr-3390	180	49	the	the	DET
fsr-3390	180	50	future	future	NOUN
fsr-3390	180	51	.	.	PUNCT
fsr-3390	181	1	among	among	ADP
fsr-3390	181	2	the	the	DET
fsr-3390	181	3	four	four	NUM
fsr-3390	181	4	groups	group	NOUN
fsr-3390	181	5	of	of	ADP
fsr-3390	181	6	help	help	NOUN
fsr-3390	181	7	seekers	seeker	NOUN
fsr-3390	181	8	,	,	PUNCT
fsr-3390	181	9	household	household	NOUN
fsr-3390	181	10	income	income	NOUN
fsr-3390	181	11	was	be	AUX
fsr-3390	181	12	the	the	DET
fsr-3390	181	13	lowest	low	ADJ
fsr-3390	181	14	for	for	ADP
fsr-3390	181	15	those	those	PRON
fsr-3390	181	16	in	in	ADP
fsr-3390	181	17	the	the	DET
fsr-3390	181	18	“	"	PUNCT
fsr-3390	181	19	neither	neither	CCONJ
fsr-3390	181	20	”	"	PUNCT
fsr-3390	181	21	category	category	NOUN
fsr-3390	181	22	.	.	PUNCT
fsr-3390	182	1	similarly	similarly	ADV
fsr-3390	182	2	,	,	PUNCT
fsr-3390	182	3	those	those	PRON
fsr-3390	182	4	in	in	ADP
fsr-3390	182	5	this	this	DET
fsr-3390	182	6	group	group	NOUN
fsr-3390	182	7	reported	report	VERB
fsr-3390	182	8	a	a	DET
fsr-3390	182	9	lower	low	ADJ
fsr-3390	182	10	net	net	ADJ
fsr-3390	182	11	worth	worth	NOUN
fsr-3390	182	12	than	than	ADP
fsr-3390	182	13	those	those	PRON
fsr-3390	182	14	who	who	PRON
fsr-3390	182	15	reported	report	VERB
fsr-3390	182	16	working	work	VERB
fsr-3390	182	17	with	with	ADP
fsr-3390	182	18	traditional	traditional	ADJ
fsr-3390	182	19	financial	financial	ADJ
fsr-3390	182	20	planners	planner	NOUN
fsr-3390	182	21	.	.	PUNCT
fsr-3390	183	1	these	these	DET
fsr-3390	183	2	respondents	respondent	NOUN
fsr-3390	183	3	also	also	ADV
fsr-3390	183	4	reported	report	VERB
fsr-3390	183	5	holding	hold	VERB
fsr-3390	183	6	a	a	DET
fsr-3390	183	7	smaller	small	ADJ
fsr-3390	183	8	proportion	proportion	NOUN
fsr-3390	183	9	of	of	ADP
fsr-3390	183	10	their	their	PRON
fsr-3390	183	11	net	net	ADJ
fsr-3390	183	12	worth	worth	NOUN
fsr-3390	183	13	from	from	ADP
fsr-3390	183	14	an	an	DET
fsr-3390	183	15	inheritance	inheritance	NOUN
fsr-3390	183	16	.	.	PUNCT
fsr-3390	184	1	however	however	ADV
fsr-3390	184	2	,	,	PUNCT
fsr-3390	184	3	it	it	PRON
fsr-3390	184	4	is	be	AUX
fsr-3390	184	5	interesting	interesting	ADJ
fsr-3390	184	6	to	to	PART
fsr-3390	184	7	note	note	VERB
fsr-3390	184	8	that	that	SCONJ
fsr-3390	184	9	in	in	ADP
fsr-3390	184	10	comparison	comparison	NOUN
fsr-3390	184	11	to	to	ADP
fsr-3390	184	12	those	those	PRON
fsr-3390	184	13	who	who	PRON
fsr-3390	184	14	reported	report	VERB
fsr-3390	184	15	working	work	VERB
fsr-3390	184	16	with	with	ADP
fsr-3390	184	17	a	a	DET
fsr-3390	184	18	robo	robo	NOUN
fsr-3390	184	19	-	-	PUNCT
fsr-3390	184	20	advisor	advisor	NOUN
fsr-3390	184	21	,	,	PUNCT
fsr-3390	184	22	those	those	PRON
fsr-3390	184	23	in	in	ADP
fsr-3390	184	24	the	the	DET
fsr-3390	184	25	neither	neither	DET
fsr-3390	184	26	category	category	NOUN
fsr-3390	184	27	held	hold	VERB
fsr-3390	184	28	more	more	ADJ
fsr-3390	184	29	wealth	wealth	NOUN
fsr-3390	184	30	.	.	PUNCT
fsr-3390	185	1	each	each	PRON
fsr-3390	185	2	of	of	ADP
fsr-3390	185	3	the	the	DET
fsr-3390	185	4	statistically	statistically	ADV
fsr-3390	185	5	significant	significant	ADJ
fsr-3390	185	6	variables	variable	NOUN
fsr-3390	185	7	from	from	ADP
fsr-3390	185	8	the	the	DET
fsr-3390	185	9	first	first	ADJ
fsr-3390	185	10	two	two	NUM
fsr-3390	185	11	tests	test	NOUN
fsr-3390	185	12	were	be	AUX
fsr-3390	185	13	combined	combine	VERB
fsr-3390	185	14	into	into	ADP
fsr-3390	185	15	a	a	DET
fsr-3390	185	16	multivariate	multivariate	NOUN
fsr-3390	185	17	model	model	NOUN
fsr-3390	185	18	as	as	ADP
fsr-3390	185	19	a	a	DET
fsr-3390	185	20	way	way	NOUN
fsr-3390	185	21	to	to	PART
fsr-3390	185	22	identify	identify	VERB
fsr-3390	185	23	the	the	DET
fsr-3390	185	24	most	most	ADV
fsr-3390	185	25	important	important	ADJ
fsr-3390	185	26	help	help	NOUN
fsr-3390	185	27	-	-	PUNCT
fsr-3390	185	28	seeking	seek	VERB
fsr-3390	185	29	characteristics	characteristic	NOUN
fsr-3390	185	30	.	.	PUNCT
fsr-3390	186	1	table	table	NOUN
fsr-3390	186	2	3	3	NUM
fsr-3390	186	3	shows	show	VERB
fsr-3390	186	4	the	the	DET
fsr-3390	186	5	results	result	NOUN
fsr-3390	186	6	from	from	ADP
fsr-3390	186	7	the	the	DET
fsr-3390	186	8	multinomial	multinomial	ADJ
fsr-3390	186	9	regression	regression	NOUN
fsr-3390	186	10	.	.	PUNCT
fsr-3390	187	1	the	the	DET
fsr-3390	187	2	regression	regression	NOUN
fsr-3390	187	3	used	use	VERB
fsr-3390	187	4	182	182	NUM
fsr-3390	187	5	m.	m.	NOUN
fsr-3390	187	6	fulk	fulk	PROPN
fsr-3390	187	7	et	et	PROPN
fsr-3390	187	8	al	al	PROPN
fsr-3390	187	9	.	.	PUNCT
fsr-3390	188	1	/	/	SYM
fsr-3390	188	2	financial	financial	ADJ
fsr-3390	188	3	services	service	NOUN
fsr-3390	188	4	review	review	VERB
fsr-3390	188	5	27	27	NUM
fsr-3390	188	6	(	(	PUNCT
fsr-3390	188	7	2018	2018	NUM
fsr-3390	188	8	)	)	PUNCT
fsr-3390	188	9	173	173	NUM
fsr-3390	188	10	-	-	SYM
fsr-3390	188	11	188	188	NUM
fsr-3390	188	12	t	t	PROPN
fsr-3390	188	13	ab	ab	PROPN
fsr-3390	188	14	le	le	PROPN
fsr-3390	188	15	3	3	NUM
fsr-3390	188	16	m	m	NOUN
fsr-3390	188	17	ul	ul	NOUN
fsr-3390	188	18	tin	tin	PROPN
fsr-3390	188	19	om	om	PROPN
fsr-3390	188	20	ia	ia	PROPN
fsr-3390	188	21	l	l	X
fsr-3390	188	22	re	re	X
fsr-3390	188	23	gr	gr	X
fsr-3390	188	24	es	es	X
fsr-3390	188	25	si	si	X
fsr-3390	189	1	on	on	ADP
fsr-3390	189	2	sh	sh	INTJ
fsr-3390	189	3	ow	ow	INTJ
fsr-3390	189	4	in	in	ADP
fsr-3390	189	5	g	g	PROPN
fsr-3390	190	1	fa	fa	INTJ
fsr-3390	191	1	ct	ct	PROPN
fsr-3390	191	2	or	or	CCONJ
fsr-3390	191	3	s	s	PRON
fsr-3390	191	4	as	as	ADP
fsr-3390	191	5	so	so	ADV
fsr-3390	191	6	ci	ci	PROPN
fsr-3390	191	7	at	at	ADP
fsr-3390	191	8	ed	ed	PROPN
fsr-3390	191	9	w	w	PROPN
fsr-3390	191	10	ith	ith	PROPN
fsr-3390	192	1	he	he	PRON
fsr-3390	192	2	lp	lp	INTJ
fsr-3390	192	3	-s	-s	INTJ
fsr-3390	192	4	ee	ee	INTJ
fsr-3390	192	5	ki	ki	PROPN
fsr-3390	192	6	ng	ng	PROPN
fsr-3390	192	7	be	be	AUX
fsr-3390	192	8	ha	ha	INTJ
fsr-3390	192	9	vi	vi	NOUN
fsr-3390	192	10	or	or	CCONJ
fsr-3390	192	11	(	(	PUNCT
fsr-3390	192	12	n	n	X
fsr-3390	192	13	�	�	PROPN
fsr-3390	192	14	50	50	NUM
fsr-3390	192	15	3	3	NUM
fsr-3390	192	16	)	)	PUNCT
fsr-3390	192	17	r	r	NOUN
fsr-3390	192	18	ef	ef	NOUN
fsr-3390	192	19	er	er	INTJ
fsr-3390	192	20	en	en	X
fsr-3390	192	21	ce	ce	PROPN
fsr-3390	192	22	ca	can	AUX
fsr-3390	192	23	te	te	AUX
fsr-3390	192	24	go	go	VERB
fsr-3390	192	25	ry	ry	ADP
fsr-3390	192	26	�	�	PROPN
fsr-3390	192	27	ne	ne	PROPN
fsr-3390	192	28	ith	ith	PROPN
fsr-3390	193	1	er	er	INTJ
fsr-3390	193	2	r	r	NOUN
fsr-3390	193	3	ob	ob	NOUN
fsr-3390	193	4	o	o	X
fsr-3390	193	5	pl	pl	X
fsr-3390	193	6	an	an	DET
fsr-3390	193	7	ne	ne	X
fsr-3390	193	8	r	r	PROPN
fsr-3390	193	9	b	b	PROPN
fsr-3390	193	10	ot	ot	PROPN
fsr-3390	193	11	h	h	PROPN
fsr-3390	193	12	b	b	PROPN
fsr-3390	193	13	(	(	PUNCT
fsr-3390	193	14	s	s	NOUN
fsr-3390	193	15	e	e	NOUN
fsr-3390	193	16	)	)	PUNCT
fsr-3390	194	1	o	o	NOUN
fsr-3390	194	2	dd	dd	NOUN
fsr-3390	194	3	s	s	X
fsr-3390	194	4	ra	ra	PROPN
fsr-3390	194	5	tio	tio	PROPN
fsr-3390	194	6	b	b	PROPN
fsr-3390	194	7	(	(	PUNCT
fsr-3390	194	8	s	s	NOUN
fsr-3390	194	9	e	e	NOUN
fsr-3390	194	10	)	)	PUNCT
fsr-3390	194	11	o	o	NOUN
fsr-3390	195	1	dd	dd	NOUN
fsr-3390	195	2	s	s	X
fsr-3390	195	3	ra	ra	PROPN
fsr-3390	195	4	tio	tio	PROPN
fsr-3390	195	5	b	b	PROPN
fsr-3390	195	6	(	(	PUNCT
fsr-3390	195	7	s	s	NOUN
fsr-3390	195	8	e	e	NOUN
fsr-3390	195	9	)	)	PUNCT
fsr-3390	196	1	o	o	NOUN
fsr-3390	196	2	dd	dd	NOUN
fsr-3390	196	3	s	s	AUX
fsr-3390	196	4	ra	ra	NOUN
fsr-3390	196	5	tio	tio	NOUN
fsr-3390	196	6	in	in	ADP
fsr-3390	196	7	te	te	PROPN
fsr-3390	196	8	rc	rc	PROPN
fsr-3390	196	9	ep	ep	PROPN
fsr-3390	196	10	t	t	PROPN
fsr-3390	196	11	�	�	PROPN
fsr-3390	196	12	1	1	NUM
fsr-3390	196	13	.	.	PUNCT
fsr-3390	196	14	33	33	NUM
fsr-3390	196	15	5	5	NUM
fsr-3390	196	16	(	(	PUNCT
fsr-3390	196	17	.	.	PUNCT
fsr-3390	197	1	84	84	NUM
fsr-3390	197	2	4	4	NUM
fsr-3390	197	3	)	)	PUNCT
fsr-3390	197	4	�	�	PROPN
fsr-3390	197	5	1	1	NUM
fsr-3390	197	6	.	.	PUNCT
fsr-3390	197	7	56	56	NUM
fsr-3390	197	8	2	2	NUM
fsr-3390	197	9	(	(	PUNCT
fsr-3390	197	10	.	.	PUNCT
fsr-3390	197	11	54	54	NUM
fsr-3390	197	12	0	0	NUM
fsr-3390	197	13	)	)	PUNCT
fsr-3390	198	1	*	*	PUNCT
fsr-3390	198	2	*	*	PUNCT
fsr-3390	198	3	�	�	PROPN
fsr-3390	198	4	1	1	NUM
fsr-3390	198	5	.	.	NUM
fsr-3390	198	6	30	30	NUM
fsr-3390	198	7	6	6	NUM
fsr-3390	198	8	(	(	PUNCT
fsr-3390	198	9	.	.	PROPN
fsr-3390	198	10	85	85	NUM
fsr-3390	198	11	7	7	NUM
fsr-3390	198	12	)	)	PUNCT
fsr-3390	198	13	a	a	DET
fsr-3390	198	14	ge	ge	PROPN
fsr-3390	198	15	�	�	PROPN
fsr-3390	198	16	0	0	NUM
fsr-3390	198	17	.	.	PUNCT
fsr-3390	198	18	02	02	NUM
fsr-3390	198	19	4	4	NUM
fsr-3390	198	20	(	(	PUNCT
fsr-3390	198	21	.	.	PUNCT
fsr-3390	198	22	01	01	NUM
fsr-3390	198	23	7	7	NUM
fsr-3390	198	24	)	)	PUNCT
fsr-3390	198	25	0	0	NUM
fsr-3390	198	26	.	.	PROPN
fsr-3390	198	27	97	97	NUM
fsr-3390	198	28	6	6	NUM
fsr-3390	198	29	0	0	NUM
fsr-3390	198	30	.	.	PUNCT
fsr-3390	198	31	00	00	NUM
fsr-3390	198	32	2	2	NUM
fsr-3390	198	33	(	(	PUNCT
fsr-3390	198	34	.	.	PUNCT
fsr-3390	199	1	01	01	NUM
fsr-3390	199	2	1	1	NUM
fsr-3390	199	3	)	)	PUNCT
fsr-3390	199	4	1	1	NUM
fsr-3390	199	5	.	.	NOUN
fsr-3390	199	6	00	00	NUM
fsr-3390	199	7	2	2	NUM
fsr-3390	199	8	�	�	PROPN
fsr-3390	199	9	0	0	NUM
fsr-3390	199	10	.	.	PUNCT
fsr-3390	200	1	05	05	NUM
fsr-3390	200	2	5	5	NUM
fsr-3390	200	3	(	(	PUNCT
fsr-3390	200	4	.	.	PUNCT
fsr-3390	201	1	01	01	NUM
fsr-3390	201	2	9	9	NUM
fsr-3390	201	3	)	)	PUNCT
fsr-3390	202	1	*	*	PUNCT
fsr-3390	203	1	*	*	PUNCT
fsr-3390	204	1	*	*	PUNCT
fsr-3390	204	2	0	0	NUM
fsr-3390	204	3	.	.	NUM
fsr-3390	204	4	94	94	NUM
fsr-3390	204	5	7	7	NUM
fsr-3390	204	6	n	n	NOUN
fsr-3390	204	7	or	or	CCONJ
fsr-3390	204	8	m	m	PROPN
fsr-3390	204	9	al	al	PROPN
fsr-3390	204	10	iz	iz	INTJ
fsr-3390	204	11	ed	ed	NOUN
fsr-3390	204	12	ho	ho	PROPN
fsr-3390	204	13	us	us	PROPN
fsr-3390	204	14	eh	eh	INTJ
fsr-3390	204	15	ol	ol	PROPN
fsr-3390	204	16	d	d	PROPN
fsr-3390	204	17	in	in	ADP
fsr-3390	204	18	co	co	NOUN
fsr-3390	204	19	m	m	PROPN
fsr-3390	204	20	e	e	NOUN
fsr-3390	204	21	0	0	NUM
fsr-3390	204	22	.	.	PUNCT
fsr-3390	204	23	00	00	NUM
fsr-3390	204	24	0	0	NUM
fsr-3390	205	1	(	(	PUNCT
fsr-3390	205	2	.	.	PUNCT
fsr-3390	205	3	00	00	NUM
fsr-3390	205	4	0	0	NUM
fsr-3390	205	5	)	)	PUNCT
fsr-3390	205	6	1	1	NUM
fsr-3390	205	7	.	.	PUNCT
fsr-3390	205	8	00	00	NUM
fsr-3390	205	9	0	0	NUM
fsr-3390	205	10	0	0	NUM
fsr-3390	205	11	.	.	PUNCT
fsr-3390	205	12	00	00	NUM
fsr-3390	205	13	0	0	NUM
fsr-3390	206	1	(	(	PUNCT
fsr-3390	206	2	.	.	PUNCT
fsr-3390	206	3	00	00	NUM
fsr-3390	206	4	0	0	NUM
fsr-3390	206	5	)	)	PUNCT
fsr-3390	206	6	1	1	NUM
fsr-3390	206	7	.	.	PUNCT
fsr-3390	206	8	00	00	NUM
fsr-3390	206	9	0	0	NUM
fsr-3390	206	10	0	0	NUM
fsr-3390	206	11	.	.	PUNCT
fsr-3390	206	12	00	00	NUM
fsr-3390	206	13	0	0	NUM
fsr-3390	207	1	(	(	PUNCT
fsr-3390	207	2	.	.	PUNCT
fsr-3390	207	3	00	00	NUM
fsr-3390	207	4	0	0	NUM
fsr-3390	207	5	)	)	PUNCT
fsr-3390	207	6	1	1	NUM
fsr-3390	207	7	.	.	PUNCT
fsr-3390	207	8	00	00	NUM
fsr-3390	207	9	0	0	NUM
fsr-3390	207	10	n	n	PROPN
fsr-3390	207	11	or	or	CCONJ
fsr-3390	207	12	m	m	VERB
fsr-3390	207	13	al	al	PROPN
fsr-3390	207	14	iz	iz	INTJ
fsr-3390	207	15	ed	ed	PROPN
fsr-3390	207	16	ne	ne	PROPN
fsr-3390	207	17	t	t	PROPN
fsr-3390	207	18	w	w	PROPN
fsr-3390	207	19	or	or	CCONJ
fsr-3390	207	20	th	th	X
fsr-3390	207	21	0	0	NUM
fsr-3390	207	22	.	.	PUNCT
fsr-3390	207	23	00	00	NUM
fsr-3390	207	24	0	0	NUM
fsr-3390	208	1	(	(	PUNCT
fsr-3390	208	2	.	.	PUNCT
fsr-3390	208	3	00	00	NUM
fsr-3390	208	4	0	0	NUM
fsr-3390	208	5	)	)	PUNCT
fsr-3390	208	6	1	1	NUM
fsr-3390	208	7	.	.	PUNCT
fsr-3390	208	8	00	00	NUM
fsr-3390	208	9	0	0	NUM
fsr-3390	208	10	0	0	NUM
fsr-3390	208	11	.	.	PUNCT
fsr-3390	208	12	00	00	NUM
fsr-3390	208	13	0	0	NUM
fsr-3390	209	1	(	(	PUNCT
fsr-3390	209	2	.	.	PUNCT
fsr-3390	209	3	00	00	NUM
fsr-3390	209	4	0	0	NUM
fsr-3390	209	5	)	)	PUNCT
fsr-3390	209	6	*	*	PUNCT
fsr-3390	209	7	1	1	X
fsr-3390	209	8	.	.	NUM
fsr-3390	209	9	00	00	NUM
fsr-3390	209	10	0	0	NUM
fsr-3390	209	11	0	0	NUM
fsr-3390	209	12	.	.	PUNCT
fsr-3390	209	13	00	00	NUM
fsr-3390	209	14	0	0	NUM
fsr-3390	210	1	(	(	PUNCT
fsr-3390	210	2	.	.	PUNCT
fsr-3390	210	3	00	00	NUM
fsr-3390	210	4	0	0	NUM
fsr-3390	210	5	)	)	PUNCT
fsr-3390	210	6	1	1	NUM
fsr-3390	210	7	.	.	PUNCT
fsr-3390	210	8	00	00	NUM
fsr-3390	210	9	0	0	NUM
fsr-3390	210	10	n	n	PROPN
fsr-3390	210	11	or	or	CCONJ
fsr-3390	210	12	m	m	VERB
fsr-3390	210	13	al	al	PROPN
fsr-3390	210	14	iz	iz	INTJ
fsr-3390	210	15	ed	ed	PROPN
fsr-3390	210	16	pe	pe	PROPN
fsr-3390	210	17	rc	rc	PROPN
fsr-3390	210	18	en	en	PROPN
fsr-3390	210	19	t	t	PROPN
fsr-3390	210	20	of	of	ADP
fsr-3390	210	21	ne	ne	PROPN
fsr-3390	210	22	t	t	PROPN
fsr-3390	210	23	w	w	PROPN
fsr-3390	210	24	or	or	CCONJ
fsr-3390	210	25	th	th	INTJ
fsr-3390	210	26	be	be	AUX
fsr-3390	210	27	ca	can	AUX
fsr-3390	210	28	us	us	PROPN
fsr-3390	210	29	e	e	X
fsr-3390	210	30	of	of	ADP
fsr-3390	210	31	in	in	ADP
fsr-3390	210	32	he	he	PRON
fsr-3390	210	33	ri	ri	PROPN
fsr-3390	210	34	ta	ta	PROPN
fsr-3390	210	35	nc	nc	PROPN
fsr-3390	210	36	e	e	PROPN
fsr-3390	210	37	0	0	PROPN
fsr-3390	210	38	.	.	PROPN
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fsr-3390	210	40	0	0	NUM
fsr-3390	211	1	(	(	PUNCT
fsr-3390	211	2	.	.	PUNCT
fsr-3390	211	3	00	00	NUM
fsr-3390	211	4	0	0	NUM
fsr-3390	211	5	)	)	PUNCT
fsr-3390	211	6	*	*	PUNCT
fsr-3390	211	7	1	1	X
fsr-3390	211	8	.	.	NUM
fsr-3390	211	9	00	00	NUM
fsr-3390	211	10	0	0	NUM
fsr-3390	211	11	0	0	NUM
fsr-3390	211	12	.	.	PUNCT
fsr-3390	211	13	00	00	NUM
fsr-3390	211	14	0	0	NUM
fsr-3390	212	1	(	(	PUNCT
fsr-3390	212	2	.	.	PUNCT
fsr-3390	212	3	00	00	NUM
fsr-3390	212	4	0	0	NUM
fsr-3390	212	5	)	)	PUNCT
fsr-3390	212	6	*	*	PUNCT
fsr-3390	212	7	1	1	X
fsr-3390	212	8	.	.	NUM
fsr-3390	212	9	00	00	NUM
fsr-3390	212	10	0	0	NUM
fsr-3390	212	11	0	0	NUM
fsr-3390	212	12	.	.	PUNCT
fsr-3390	212	13	00	00	NUM
fsr-3390	212	14	0	0	NUM
fsr-3390	213	1	(	(	PUNCT
fsr-3390	213	2	.	.	PUNCT
fsr-3390	213	3	00	00	NUM
fsr-3390	213	4	0	0	NUM
fsr-3390	213	5	)	)	PUNCT
fsr-3390	213	6	1	1	NUM
fsr-3390	213	7	.	.	NUM
fsr-3390	213	8	00	00	NUM
fsr-3390	213	9	0	0	NUM
fsr-3390	214	1	ig	ig	PROPN
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fsr-3390	214	4	bu	bu	PROPN
fsr-3390	214	5	dg	dg	PROPN
fsr-3390	214	6	et	et	PROPN
fsr-3390	214	7	w	w	NOUN
fsr-3390	214	8	he	he	PRON
fsr-3390	214	9	n	n	PROPN
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fsr-3390	214	12	in	in	ADP
fsr-3390	214	13	g	g	PROPN
fsr-3390	214	14	la	la	X
fsr-3390	214	15	rg	rg	PROPN
fsr-3390	214	16	e	e	PROPN
fsr-3390	214	17	pu	pu	PROPN
fsr-3390	214	18	rc	rc	PROPN
fsr-3390	214	19	ha	ha	INTJ
fsr-3390	214	20	se	se	PROPN
fsr-3390	214	21	s	s	PROPN
fsr-3390	214	22	�	�	PROPN
fsr-3390	214	23	0	0	NUM
fsr-3390	214	24	.	.	PROPN
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fsr-3390	214	27	(	(	PUNCT
fsr-3390	214	28	.	.	PUNCT
fsr-3390	214	29	22	22	NUM
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fsr-3390	214	31	)	)	PUNCT
fsr-3390	214	32	*	*	PUNCT
fsr-3390	215	1	*	*	PUNCT
fsr-3390	215	2	0	0	X
fsr-3390	215	3	.	.	X
fsr-3390	216	1	51	51	NUM
fsr-3390	216	2	0	0	NUM
fsr-3390	216	3	0	0	NUM
fsr-3390	216	4	.	.	NOUN
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fsr-3390	216	7	(	(	PUNCT
fsr-3390	216	8	.	.	PUNCT
fsr-3390	217	1	14	14	NUM
fsr-3390	217	2	4	4	NUM
fsr-3390	217	3	)	)	PUNCT
fsr-3390	217	4	1	1	NUM
fsr-3390	217	5	.	.	NOUN
fsr-3390	217	6	27	27	NUM
fsr-3390	217	7	4	4	NUM
fsr-3390	217	8	0	0	NUM
fsr-3390	217	9	.	.	NOUN
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fsr-3390	217	13	.	.	PUNCT
fsr-3390	218	1	21	21	NUM
fsr-3390	218	2	0	0	NUM
fsr-3390	218	3	)	)	PUNCT
fsr-3390	218	4	1	1	NUM
fsr-3390	218	5	.	.	X
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fsr-3390	218	7	1	1	NUM
fsr-3390	218	8	d	d	NOUN
fsr-3390	218	9	is	be	AUX
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fsr-3390	218	22	si	si	X
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fsr-3390	219	8	ad	ad	NOUN
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fsr-3390	219	11	.	.	PROPN
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fsr-3390	220	4	.	.	PUNCT
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fsr-3390	221	3	)	)	PUNCT
fsr-3390	221	4	*	*	PUNCT
fsr-3390	222	1	*	*	PUNCT
fsr-3390	222	2	*	*	PUNCT
fsr-3390	222	3	2	2	NUM
fsr-3390	222	4	.	.	NOUN
fsr-3390	222	5	12	12	NUM
fsr-3390	222	6	3	3	NUM
fsr-3390	222	7	�	�	PROPN
fsr-3390	222	8	0	0	NUM
fsr-3390	222	9	.	.	PUNCT
fsr-3390	222	10	06	06	NUM
fsr-3390	222	11	0	0	NUM
fsr-3390	222	12	(	(	PUNCT
fsr-3390	222	13	.	.	PUNCT
fsr-3390	223	1	16	16	NUM
fsr-3390	223	2	0	0	NUM
fsr-3390	223	3	)	)	PUNCT
fsr-3390	223	4	0	0	NUM
fsr-3390	223	5	.	.	X
fsr-3390	224	1	94	94	NUM
fsr-3390	224	2	1	1	NUM
fsr-3390	224	3	0	0	NUM
fsr-3390	224	4	.	.	PUNCT
fsr-3390	225	1	41	41	NUM
fsr-3390	225	2	5	5	NUM
fsr-3390	225	3	(	(	PUNCT
fsr-3390	225	4	.	.	PUNCT
fsr-3390	226	1	23	23	NUM
fsr-3390	226	2	3	3	NUM
fsr-3390	226	3	)	)	PUNCT
fsr-3390	226	4	1	1	NUM
fsr-3390	226	5	.	.	X
fsr-3390	226	6	51	51	NUM
fsr-3390	226	7	4	4	NUM
fsr-3390	226	8	r	r	NOUN
fsr-3390	226	9	2	2	NUM
fsr-3390	226	10	�	�	NOUN
fsr-3390	226	11	0	0	NUM
fsr-3390	226	12	.	.	PROPN
fsr-3390	227	1	14	14	NUM
fsr-3390	227	2	(	(	PUNCT
fsr-3390	227	3	c	c	NOUN
fsr-3390	227	4	ox	ox	NOUN
fsr-3390	227	5	an	an	PROPN
fsr-3390	227	6	d	d	X
fsr-3390	227	7	sn	sn	PROPN
fsr-3390	227	8	el	el	PROPN
fsr-3390	227	9	l	l	PROPN
fsr-3390	227	10	)	)	PUNCT
fsr-3390	227	11	,	,	PUNCT
fsr-3390	227	12	r	r	NOUN
fsr-3390	227	13	2	2	NUM
fsr-3390	227	14	�	�	PROPN
fsr-3390	227	15	0	0	NUM
fsr-3390	227	16	.	.	PROPN
fsr-3390	227	17	16	16	NUM
fsr-3390	227	18	(	(	PUNCT
fsr-3390	227	19	n	n	X
fsr-3390	227	20	ag	ag	PROPN
fsr-3390	227	21	el	el	PROPN
fsr-3390	227	22	ke	ke	PROPN
fsr-3390	227	23	rk	rk	PROPN
fsr-3390	227	24	e	e	NOUN
fsr-3390	227	25	)	)	PUNCT
fsr-3390	227	26	.	.	PUNCT
fsr-3390	228	1	m	m	VERB
fsr-3390	228	2	od	od	PROPN
fsr-3390	228	3	el	el	PROPN
fsr-3390	228	4	�	�	PROPN
fsr-3390	228	5	2	2	NUM
fsr-3390	228	6	(	(	PUNCT
fsr-3390	228	7	1	1	NUM
fsr-3390	228	8	8)	8)	NUM
fsr-3390	228	9	�	�	PROPN
fsr-3390	228	10	78	78	NUM
fsr-3390	228	11	.0	.0	NUM
fsr-3390	228	12	34	34	NUM
fsr-3390	228	13	,	,	PUNCT
fsr-3390	228	14	p	p	PROPN
fsr-3390	228	15	�	�	PROPN
fsr-3390	228	16	.0	.0	NUM
fsr-3390	228	17	01	01	NUM
fsr-3390	228	18	.	.	PUNCT
fsr-3390	229	1	*	*	PUNCT
fsr-3390	229	2	p	p	X
fsr-3390	229	3	�	�	PROPN
fsr-3390	229	4	.0	.0	NUM
fsr-3390	229	5	5	5	NUM
fsr-3390	229	6	,	,	PUNCT
fsr-3390	229	7	*	*	PUNCT
fsr-3390	229	8	*	*	PUNCT
fsr-3390	229	9	p	p	X
fsr-3390	229	10	�	�	PROPN
fsr-3390	229	11	.0	.0	NUM
fsr-3390	229	12	1	1	NUM
fsr-3390	229	13	,	,	PUNCT
fsr-3390	229	14	*	*	PUNCT
fsr-3390	229	15	*	*	PUNCT
fsr-3390	229	16	*	*	PUNCT
fsr-3390	229	17	p	p	X
fsr-3390	229	18	�	�	PROPN
fsr-3390	229	19	.0	.0	NUM
fsr-3390	229	20	01	01	NUM
fsr-3390	229	21	.	.	PUNCT
fsr-3390	230	1	183	183	NUM
fsr-3390	230	2	m.	m.	NOUN
fsr-3390	230	3	fulk	fulk	PROPN
fsr-3390	230	4	et	et	PROPN
fsr-3390	230	5	al	al	PROPN
fsr-3390	230	6	.	.	PUNCT
fsr-3390	230	7	/	/	SYM
fsr-3390	230	8	financial	financial	ADJ
fsr-3390	230	9	services	service	NOUN
fsr-3390	230	10	review	review	VERB
fsr-3390	230	11	27	27	NUM
fsr-3390	230	12	(	(	PUNCT
fsr-3390	230	13	2018	2018	NUM
fsr-3390	230	14	)	)	PUNCT
fsr-3390	230	15	173	173	NUM
fsr-3390	230	16	-	-	SYM
fsr-3390	230	17	188	188	NUM
fsr-3390	230	18	the	the	DET
fsr-3390	230	19	help	help	NOUN
fsr-3390	230	20	-	-	PUNCT
fsr-3390	230	21	seeking	seek	VERB
fsr-3390	230	22	categories	category	NOUN
fsr-3390	230	23	as	as	ADP
fsr-3390	230	24	the	the	DET
fsr-3390	230	25	dependent	dependent	ADJ
fsr-3390	230	26	variable	variable	NOUN
fsr-3390	230	27	,	,	PUNCT
fsr-3390	230	28	with	with	ADP
fsr-3390	230	29	the	the	DET
fsr-3390	230	30	neither	neither	DET
fsr-3390	230	31	category	category	NOUN
fsr-3390	230	32	as	as	ADP
fsr-3390	230	33	the	the	DET
fsr-3390	230	34	reference	reference	NOUN
fsr-3390	230	35	group	group	NOUN
fsr-3390	230	36	.	.	PUNCT
fsr-3390	231	1	the	the	DET
fsr-3390	231	2	advantage	advantage	NOUN
fsr-3390	231	3	associated	associate	VERB
fsr-3390	231	4	with	with	ADP
fsr-3390	231	5	using	use	VERB
fsr-3390	231	6	a	a	DET
fsr-3390	231	7	multinomial	multinomial	ADJ
fsr-3390	231	8	regression	regression	NOUN
fsr-3390	231	9	,	,	PUNCT
fsr-3390	231	10	compared	compare	VERB
fsr-3390	231	11	with	with	ADP
fsr-3390	231	12	a	a	DET
fsr-3390	231	13	�	�	PROPN
fsr-3390	231	14	2	2	NUM
fsr-3390	231	15	or	or	CCONJ
fsr-3390	231	16	anova	anova	PROPN
fsr-3390	231	17	test	test	NOUN
fsr-3390	231	18	,	,	PUNCT
fsr-3390	231	19	in	in	ADP
fsr-3390	231	20	this	this	DET
fsr-3390	231	21	type	type	NOUN
fsr-3390	231	22	of	of	ADP
fsr-3390	231	23	study	study	NOUN
fsr-3390	231	24	is	be	AUX
fsr-3390	231	25	that	that	SCONJ
fsr-3390	231	26	the	the	DET
fsr-3390	231	27	model	model	NOUN
fsr-3390	231	28	can	can	AUX
fsr-3390	231	29	be	be	AUX
fsr-3390	231	30	designed	design	VERB
fsr-3390	231	31	to	to	PART
fsr-3390	231	32	more	more	ADV
fsr-3390	231	33	precisely	precisely	ADV
fsr-3390	231	34	identify	identify	VERB
fsr-3390	231	35	the	the	DET
fsr-3390	231	36	variables	variable	NOUN
fsr-3390	231	37	that	that	PRON
fsr-3390	231	38	are	be	AUX
fsr-3390	231	39	most	most	ADV
fsr-3390	231	40	highly	highly	ADV
fsr-3390	231	41	associated	associate	VERB
fsr-3390	231	42	with	with	ADP
fsr-3390	231	43	help	help	NOUN
fsr-3390	231	44	-	-	PUNCT
fsr-3390	231	45	seeking	seek	VERB
fsr-3390	231	46	behavior	behavior	NOUN
fsr-3390	231	47	,	,	PUNCT
fsr-3390	231	48	controlling	control	VERB
fsr-3390	231	49	for	for	ADP
fsr-3390	231	50	the	the	DET
fsr-3390	231	51	other	other	ADJ
fsr-3390	231	52	variables	variable	NOUN
fsr-3390	231	53	in	in	ADP
fsr-3390	231	54	the	the	DET
fsr-3390	231	55	model	model	NOUN
fsr-3390	231	56	.	.	PUNCT
fsr-3390	232	1	the	the	DET
fsr-3390	232	2	following	follow	VERB
fsr-3390	232	3	summarizes	summarize	VERB
fsr-3390	232	4	the	the	DET
fsr-3390	232	5	results	result	NOUN
fsr-3390	232	6	of	of	ADP
fsr-3390	232	7	the	the	DET
fsr-3390	232	8	multinomial	multinomial	ADJ
fsr-3390	232	9	logit	logit	PROPN
fsr-3390	232	10	.	.	PUNCT
fsr-3390	233	1	compared	compare	VERB
fsr-3390	233	2	with	with	ADP
fsr-3390	233	3	those	those	PRON
fsr-3390	233	4	who	who	PRON
fsr-3390	233	5	use	use	VERB
fsr-3390	233	6	neither	neither	CCONJ
fsr-3390	233	7	a	a	DET
fsr-3390	233	8	robo	robo	NOUN
fsr-3390	233	9	-	-	PUNCT
fsr-3390	233	10	advisor	advisor	NOUN
fsr-3390	233	11	nor	nor	CCONJ
fsr-3390	233	12	a	a	DET
fsr-3390	233	13	traditional	traditional	ADJ
fsr-3390	233	14	financial	financial	ADJ
fsr-3390	233	15	planner	planner	NOUN
fsr-3390	233	16	:	:	PUNCT
fsr-3390	233	17	y	y	PROPN
fsr-3390	233	18	younger	young	ADJ
fsr-3390	233	19	participants	participant	NOUN
fsr-3390	233	20	were	be	AUX
fsr-3390	233	21	more	more	ADV
fsr-3390	233	22	likely	likely	ADJ
fsr-3390	233	23	to	to	PART
fsr-3390	233	24	report	report	VERB
fsr-3390	233	25	using	use	VERB
fsr-3390	233	26	services	service	NOUN
fsr-3390	233	27	from	from	ADP
fsr-3390	233	28	both	both	CCONJ
fsr-3390	233	29	robo	robo	NOUN
fsr-3390	233	30	-	-	PUNCT
fsr-3390	233	31	advisors	advisor	NOUN
fsr-3390	233	32	and	and	CCONJ
fsr-3390	233	33	traditional	traditional	ADJ
fsr-3390	233	34	financial	financial	ADJ
fsr-3390	233	35	planners	planner	NOUN
fsr-3390	233	36	.	.	PUNCT
fsr-3390	234	1	y	y	PRON
fsr-3390	234	2	participants	participant	NOUN
fsr-3390	234	3	with	with	ADP
fsr-3390	234	4	a	a	DET
fsr-3390	234	5	higher	high	ADJ
fsr-3390	234	6	net	net	ADJ
fsr-3390	234	7	worth	worth	NOUN
fsr-3390	234	8	were	be	AUX
fsr-3390	234	9	more	more	ADV
fsr-3390	234	10	likely	likely	ADJ
fsr-3390	234	11	to	to	PART
fsr-3390	234	12	use	use	VERB
fsr-3390	234	13	the	the	DET
fsr-3390	234	14	services	service	NOUN
fsr-3390	234	15	of	of	ADP
fsr-3390	234	16	a	a	DET
fsr-3390	234	17	traditional	traditional	ADJ
fsr-3390	234	18	financial	financial	ADJ
fsr-3390	234	19	planner	planner	NOUN
fsr-3390	234	20	.	.	PUNCT
fsr-3390	235	1	y	y	PROPN
fsr-3390	235	2	participants	participant	NOUN
fsr-3390	235	3	who	who	PRON
fsr-3390	235	4	reported	report	VERB
fsr-3390	235	5	a	a	DET
fsr-3390	235	6	higher	high	ADJ
fsr-3390	235	7	proportion	proportion	NOUN
fsr-3390	235	8	of	of	ADP
fsr-3390	235	9	their	their	PRON
fsr-3390	235	10	net	net	ADJ
fsr-3390	235	11	worth	worth	NOUN
fsr-3390	235	12	was	be	AUX
fsr-3390	235	13	from	from	ADP
fsr-3390	235	14	an	an	DET
fsr-3390	235	15	inheritance	inheritance	NOUN
fsr-3390	235	16	were	be	AUX
fsr-3390	235	17	more	more	ADV
fsr-3390	235	18	likely	likely	ADJ
fsr-3390	235	19	to	to	PART
fsr-3390	235	20	use	use	VERB
fsr-3390	235	21	the	the	DET
fsr-3390	235	22	services	service	NOUN
fsr-3390	235	23	of	of	ADP
fsr-3390	235	24	a	a	DET
fsr-3390	235	25	robo	robo	NOUN
fsr-3390	235	26	-	-	NOUN
fsr-3390	235	27	advisor	advisor	NOUN
fsr-3390	235	28	.	.	PUNCT
fsr-3390	236	1	y	y	PROPN
fsr-3390	236	2	participants	participant	NOUN
fsr-3390	236	3	who	who	PRON
fsr-3390	236	4	reported	report	VERB
fsr-3390	236	5	a	a	DET
fsr-3390	236	6	higher	high	ADJ
fsr-3390	236	7	proportion	proportion	NOUN
fsr-3390	236	8	of	of	ADP
fsr-3390	236	9	their	their	PRON
fsr-3390	236	10	net	net	ADJ
fsr-3390	236	11	worth	worth	NOUN
fsr-3390	236	12	was	be	AUX
fsr-3390	236	13	from	from	ADP
fsr-3390	236	14	an	an	DET
fsr-3390	236	15	inheritance	inheritance	NOUN
fsr-3390	236	16	were	be	AUX
fsr-3390	236	17	more	more	ADV
fsr-3390	236	18	likely	likely	ADJ
fsr-3390	236	19	to	to	PART
fsr-3390	236	20	use	use	VERB
fsr-3390	236	21	the	the	DET
fsr-3390	236	22	services	service	NOUN
fsr-3390	236	23	of	of	ADP
fsr-3390	236	24	a	a	DET
fsr-3390	236	25	traditional	traditional	ADJ
fsr-3390	236	26	financial	financial	ADJ
fsr-3390	236	27	planner	planner	NOUN
fsr-3390	236	28	.	.	PUNCT
fsr-3390	237	1	y	y	PROPN
fsr-3390	237	2	participants	participant	NOUN
fsr-3390	237	3	who	who	PRON
fsr-3390	237	4	reported	report	VERB
fsr-3390	237	5	being	be	AUX
fsr-3390	237	6	impulsive	impulsive	ADJ
fsr-3390	237	7	with	with	ADP
fsr-3390	237	8	large	large	ADJ
fsr-3390	237	9	purchase	purchase	NOUN
fsr-3390	237	10	decisions	decision	NOUN
fsr-3390	237	11	or	or	CCONJ
fsr-3390	237	12	who	who	PRON
fsr-3390	237	13	tended	tend	VERB
fsr-3390	237	14	to	to	PART
fsr-3390	237	15	ignore	ignore	VERB
fsr-3390	237	16	their	their	PRON
fsr-3390	237	17	budget	budget	NOUN
fsr-3390	237	18	were	be	AUX
fsr-3390	237	19	less	less	ADV
fsr-3390	237	20	likely	likely	ADJ
fsr-3390	237	21	to	to	PART
fsr-3390	237	22	use	use	VERB
fsr-3390	237	23	the	the	DET
fsr-3390	237	24	services	service	NOUN
fsr-3390	237	25	of	of	ADP
fsr-3390	237	26	a	a	DET
fsr-3390	237	27	robo	robo	NOUN
fsr-3390	237	28	-	-	NOUN
fsr-3390	237	29	advisor	advisor	NOUN
fsr-3390	237	30	.	.	PUNCT
fsr-3390	238	1	y	y	PROPN
fsr-3390	238	2	participants	participant	NOUN
fsr-3390	238	3	who	who	PRON
fsr-3390	238	4	reported	report	VERB
fsr-3390	238	5	feeling	feel	VERB
fsr-3390	238	6	disappointed	disappoint	VERB
fsr-3390	238	7	by	by	ADP
fsr-3390	238	8	past	past	ADJ
fsr-3390	238	9	financial	financial	ADJ
fsr-3390	238	10	decisions	decision	NOUN
fsr-3390	238	11	were	be	AUX
fsr-3390	238	12	more	more	ADV
fsr-3390	238	13	likely	likely	ADJ
fsr-3390	238	14	to	to	PART
fsr-3390	238	15	use	use	VERB
fsr-3390	238	16	the	the	DET
fsr-3390	238	17	services	service	NOUN
fsr-3390	238	18	of	of	ADP
fsr-3390	238	19	a	a	DET
fsr-3390	238	20	robo	robo	NOUN
fsr-3390	238	21	-	-	NOUN
fsr-3390	238	22	advisor	advisor	NOUN
fsr-3390	238	23	.	.	PROPN
fsr-3390	239	1	4	4	X
fsr-3390	239	2	.	.	X
fsr-3390	239	3	discussion	discussion	NOUN
fsr-3390	239	4	findings	finding	NOUN
fsr-3390	239	5	from	from	ADP
fsr-3390	239	6	the	the	DET
fsr-3390	239	7	logit	logit	NOUN
fsr-3390	239	8	analysis	analysis	NOUN
fsr-3390	239	9	generally	generally	ADV
fsr-3390	239	10	supported	support	VERB
fsr-3390	239	11	the	the	DET
fsr-3390	239	12	results	result	NOUN
fsr-3390	239	13	from	from	ADP
fsr-3390	239	14	the	the	DET
fsr-3390	239	15	�	�	PROPN
fsr-3390	239	16	2	2	NUM
fsr-3390	239	17	and	and	CCONJ
fsr-3390	239	18	anova	anova	PROPN
fsr-3390	239	19	tests	test	NOUN
fsr-3390	239	20	.	.	PUNCT
fsr-3390	240	1	on	on	ADP
fsr-3390	240	2	the	the	DET
fsr-3390	240	3	whole	whole	NOUN
fsr-3390	240	4	,	,	PUNCT
fsr-3390	240	5	users	user	NOUN
fsr-3390	240	6	of	of	ADP
fsr-3390	240	7	robo	robo	NOUN
fsr-3390	240	8	-	-	PUNCT
fsr-3390	240	9	advisory	advisory	ADJ
fsr-3390	240	10	and	and	CCONJ
fsr-3390	240	11	financial	financial	ADJ
fsr-3390	240	12	planning	planning	NOUN
fsr-3390	240	13	services	service	NOUN
fsr-3390	240	14	were	be	AUX
fsr-3390	240	15	similar	similar	ADJ
fsr-3390	240	16	in	in	ADP
fsr-3390	240	17	reporting	report	VERB
fsr-3390	240	18	more	more	ADJ
fsr-3390	240	19	of	of	ADP
fsr-3390	240	20	their	their	PRON
fsr-3390	240	21	net	net	ADJ
fsr-3390	240	22	worth	worth	NOUN
fsr-3390	240	23	coming	come	VERB
fsr-3390	240	24	from	from	ADP
fsr-3390	240	25	an	an	DET
fsr-3390	240	26	inheritance	inheritance	NOUN
fsr-3390	240	27	when	when	SCONJ
fsr-3390	240	28	compared	compare	VERB
fsr-3390	240	29	with	with	ADP
fsr-3390	240	30	those	those	PRON
fsr-3390	240	31	who	who	PRON
fsr-3390	240	32	had	have	VERB
fsr-3390	240	33	no	no	DET
fsr-3390	240	34	interest	interest	NOUN
fsr-3390	240	35	in	in	ADP
fsr-3390	240	36	seeking	seek	VERB
fsr-3390	240	37	help	help	NOUN
fsr-3390	240	38	.	.	PUNCT
fsr-3390	241	1	this	this	PRON
fsr-3390	241	2	suggests	suggest	VERB
fsr-3390	241	3	that	that	SCONJ
fsr-3390	241	4	the	the	DET
fsr-3390	241	5	receipt	receipt	NOUN
fsr-3390	241	6	of	of	ADP
fsr-3390	241	7	an	an	DET
fsr-3390	241	8	inheritance	inheritance	NOUN
fsr-3390	241	9	or	or	CCONJ
fsr-3390	241	10	sudden	sudden	ADJ
fsr-3390	241	11	windfall	windfall	NOUN
fsr-3390	241	12	is	be	AUX
fsr-3390	241	13	a	a	DET
fsr-3390	241	14	trigger	trigger	NOUN
fsr-3390	241	15	that	that	PRON
fsr-3390	241	16	prompts	prompt	NOUN
fsr-3390	241	17	help	help	VERB
fsr-3390	241	18	seeking	seek	VERB
fsr-3390	241	19	.	.	PUNCT
fsr-3390	242	1	the	the	DET
fsr-3390	242	2	finding	finding	NOUN
fsr-3390	242	3	showing	show	VERB
fsr-3390	242	4	that	that	SCONJ
fsr-3390	242	5	younger	young	ADJ
fsr-3390	242	6	participants	participant	NOUN
fsr-3390	242	7	were	be	AUX
fsr-3390	242	8	more	more	ADV
fsr-3390	242	9	likely	likely	ADJ
fsr-3390	242	10	to	to	PART
fsr-3390	242	11	use	use	VERB
fsr-3390	242	12	services	service	NOUN
fsr-3390	242	13	from	from	ADP
fsr-3390	242	14	both	both	CCONJ
fsr-3390	242	15	robo	robo	NOUN
fsr-3390	242	16	-	-	PUNCT
fsr-3390	242	17	advisors	advisor	NOUN
fsr-3390	242	18	and	and	CCONJ
fsr-3390	242	19	traditional	traditional	ADJ
fsr-3390	242	20	financial	financial	ADJ
fsr-3390	242	21	planners	planner	NOUN
fsr-3390	242	22	,	,	PUNCT
fsr-3390	242	23	compared	compare	VERB
fsr-3390	242	24	with	with	ADP
fsr-3390	242	25	those	those	PRON
fsr-3390	242	26	who	who	PRON
fsr-3390	242	27	reported	report	VERB
fsr-3390	242	28	working	work	VERB
fsr-3390	242	29	with	with	ADP
fsr-3390	242	30	neither	neither	CCONJ
fsr-3390	242	31	a	a	DET
fsr-3390	242	32	robo	robo	NOUN
fsr-3390	242	33	-	-	PUNCT
fsr-3390	242	34	advisor	advisor	NOUN
fsr-3390	242	35	or	or	CCONJ
fsr-3390	242	36	financial	financial	ADJ
fsr-3390	242	37	planner	planner	NOUN
fsr-3390	242	38	,	,	PUNCT
fsr-3390	242	39	suggests	suggest	VERB
fsr-3390	242	40	that	that	SCONJ
fsr-3390	242	41	these	these	DET
fsr-3390	242	42	“	"	PUNCT
fsr-3390	242	43	do	do	AUX
fsr-3390	242	44	-	-	PUNCT
fsr-3390	242	45	it	it	PRON
fsr-3390	242	46	-	-	PUNCT
fsr-3390	242	47	yourself	yourself	PRON
fsr-3390	242	48	”	"	PUNCT
fsr-3390	242	49	investors	investor	NOUN
fsr-3390	242	50	may	may	AUX
fsr-3390	242	51	be	be	AUX
fsr-3390	242	52	comprised	comprise	VERB
fsr-3390	242	53	of	of	ADP
fsr-3390	242	54	older	old	ADJ
fsr-3390	242	55	individuals	individual	NOUN
fsr-3390	242	56	.	.	PUNCT
fsr-3390	243	1	those	those	PRON
fsr-3390	243	2	who	who	PRON
fsr-3390	243	3	used	use	VERB
fsr-3390	243	4	(	(	PUNCT
fsr-3390	243	5	or	or	CCONJ
fsr-3390	243	6	planned	plan	VERB
fsr-3390	243	7	to	to	PART
fsr-3390	243	8	use	use	VERB
fsr-3390	243	9	)	)	PUNCT
fsr-3390	243	10	a	a	DET
fsr-3390	243	11	robo	robo	NOUN
fsr-3390	243	12	-	-	PUNCT
fsr-3390	243	13	advisor	advisor	NOUN
fsr-3390	243	14	were	be	AUX
fsr-3390	243	15	less	less	ADV
fsr-3390	243	16	likely	likely	ADJ
fsr-3390	243	17	to	to	PART
fsr-3390	243	18	exhibit	exhibit	VERB
fsr-3390	243	19	impulsivity	impulsivity	NOUN
fsr-3390	243	20	.	.	PUNCT
fsr-3390	244	1	whether	whether	SCONJ
fsr-3390	244	2	this	this	PRON
fsr-3390	244	3	was	be	AUX
fsr-3390	244	4	a	a	DET
fsr-3390	244	5	result	result	NOUN
fsr-3390	244	6	of	of	ADP
fsr-3390	244	7	following	follow	VERB
fsr-3390	244	8	robo	robo	NOUN
fsr-3390	244	9	-	-	PUNCT
fsr-3390	244	10	advisory	advisory	ADJ
fsr-3390	244	11	recommendations	recommendation	NOUN
fsr-3390	244	12	or	or	CCONJ
fsr-3390	244	13	a	a	DET
fsr-3390	244	14	tendency	tendency	NOUN
fsr-3390	244	15	for	for	ADP
fsr-3390	244	16	nonimpulsive	nonimpulsive	ADJ
fsr-3390	244	17	types	type	NOUN
fsr-3390	244	18	to	to	PART
fsr-3390	244	19	seek	seek	VERB
fsr-3390	244	20	out	out	ADP
fsr-3390	244	21	automated	automate	VERB
fsr-3390	244	22	systems	system	NOUN
fsr-3390	244	23	is	be	AUX
fsr-3390	244	24	a	a	DET
fsr-3390	244	25	question	question	NOUN
fsr-3390	244	26	that	that	PRON
fsr-3390	244	27	deserves	deserve	VERB
fsr-3390	244	28	additional	additional	ADJ
fsr-3390	244	29	study	study	NOUN
fsr-3390	244	30	.	.	PUNCT
fsr-3390	245	1	for	for	ADP
fsr-3390	245	2	example	example	NOUN
fsr-3390	245	3	,	,	PUNCT
fsr-3390	245	4	what	what	PRON
fsr-3390	245	5	may	may	AUX
fsr-3390	245	6	be	be	AUX
fsr-3390	245	7	occurring	occur	VERB
fsr-3390	245	8	is	be	AUX
fsr-3390	245	9	a	a	DET
fsr-3390	245	10	change	change	NOUN
fsr-3390	245	11	in	in	ADP
fsr-3390	245	12	behavior	behavior	NOUN
fsr-3390	245	13	prompted	prompt	VERB
fsr-3390	245	14	or	or	CCONJ
fsr-3390	245	15	mediated	mediate	VERB
fsr-3390	245	16	by	by	ADP
fsr-3390	245	17	robo	robo	NOUN
fsr-3390	245	18	-	-	PUNCT
fsr-3390	245	19	advisory	advisory	ADJ
fsr-3390	245	20	services	service	NOUN
fsr-3390	245	21	.	.	PUNCT
fsr-3390	246	1	although	although	SCONJ
fsr-3390	246	2	a	a	DET
fsr-3390	246	3	reasonable	reasonable	ADJ
fsr-3390	246	4	hypothesis	hypothesis	NOUN
fsr-3390	246	5	,	,	PUNCT
fsr-3390	246	6	all	all	PRON
fsr-3390	246	7	that	that	PRON
fsr-3390	246	8	can	can	AUX
fsr-3390	246	9	be	be	AUX
fsr-3390	246	10	said	say	VERB
fsr-3390	246	11	from	from	ADP
fsr-3390	246	12	this	this	DET
fsr-3390	246	13	study	study	NOUN
fsr-3390	246	14	is	be	AUX
fsr-3390	246	15	that	that	SCONJ
fsr-3390	246	16	current	current	ADJ
fsr-3390	246	17	users	user	NOUN
fsr-3390	246	18	of	of	ADP
fsr-3390	246	19	robo	robo	NOUN
fsr-3390	246	20	-	-	PUNCT
fsr-3390	246	21	advisory	advisory	ADJ
fsr-3390	246	22	services	service	NOUN
fsr-3390	246	23	do	do	AUX
fsr-3390	246	24	exhibit	exhibit	VERB
fsr-3390	246	25	less	less	ADJ
fsr-3390	246	26	impulsivity	impulsivity	NOUN
fsr-3390	246	27	.	.	PUNCT
fsr-3390	247	1	robo	robo	NOUN
fsr-3390	247	2	-	-	PUNCT
fsr-3390	247	3	advisor	advisor	NOUN
fsr-3390	247	4	users	user	NOUN
fsr-3390	247	5	were	be	AUX
fsr-3390	247	6	also	also	ADV
fsr-3390	247	7	found	find	VERB
fsr-3390	247	8	to	to	PART
fsr-3390	247	9	be	be	AUX
fsr-3390	247	10	more	more	ADV
fsr-3390	247	11	regretful	regretful	ADJ
fsr-3390	247	12	(	(	PUNCT
fsr-3390	247	13	disappointed	disappointed	ADJ
fsr-3390	247	14	)	)	PUNCT
fsr-3390	247	15	in	in	ADP
fsr-3390	247	16	their	their	PRON
fsr-3390	247	17	past	past	ADJ
fsr-3390	247	18	financial	financial	ADJ
fsr-3390	247	19	behavior	behavior	NOUN
fsr-3390	247	20	compared	compare	VERB
fsr-3390	247	21	with	with	ADP
fsr-3390	247	22	those	those	PRON
fsr-3390	247	23	who	who	PRON
fsr-3390	247	24	did	do	AUX
fsr-3390	247	25	not	not	PART
fsr-3390	247	26	use	use	VERB
fsr-3390	247	27	a	a	DET
fsr-3390	247	28	financial	financial	ADJ
fsr-3390	247	29	planning	planning	NOUN
fsr-3390	247	30	service	service	NOUN
fsr-3390	247	31	.	.	PUNCT
fsr-3390	248	1	this	this	DET
fsr-3390	248	2	finding	finding	NOUN
fsr-3390	248	3	hints	hint	VERB
fsr-3390	248	4	that	that	SCONJ
fsr-3390	248	5	the	the	DET
fsr-3390	248	6	hypothesized	hypothesized	ADJ
fsr-3390	248	7	effect	effect	NOUN
fsr-3390	248	8	of	of	ADP
fsr-3390	248	9	robo	robo	NOUN
fsr-3390	248	10	-	-	PUNCT
fsr-3390	248	11	advisory	advisory	ADJ
fsr-3390	248	12	services	service	NOUN
fsr-3390	248	13	on	on	ADP
fsr-3390	248	14	impulsivity	impulsivity	NOUN
fsr-3390	248	15	,	,	PUNCT
fsr-3390	248	16	described	describe	VERB
fsr-3390	248	17	above	above	ADV
fsr-3390	248	18	,	,	PUNCT
fsr-3390	248	19	may	may	AUX
fsr-3390	248	20	not	not	PART
fsr-3390	248	21	hold	hold	VERB
fsr-3390	248	22	when	when	SCONJ
fsr-3390	248	23	evaluated	evaluate	VERB
fsr-3390	248	24	because	because	SCONJ
fsr-3390	248	25	one	one	PRON
fsr-3390	248	26	would	would	AUX
fsr-3390	248	27	expect	expect	VERB
fsr-3390	248	28	to	to	PART
fsr-3390	248	29	see	see	VERB
fsr-3390	248	30	a	a	DET
fsr-3390	248	31	similar	similar	ADJ
fsr-3390	248	32	result	result	NOUN
fsr-3390	248	33	in	in	ADP
fsr-3390	248	34	relation	relation	NOUN
fsr-3390	248	35	to	to	ADP
fsr-3390	248	36	disappointment	disappointment	NOUN
fsr-3390	248	37	.	.	PUNCT
fsr-3390	249	1	as	as	ADP
fsr-3390	249	2	a	a	DET
fsr-3390	249	3	robustness	robustness	NOUN
fsr-3390	249	4	check	check	NOUN
fsr-3390	249	5	,	,	PUNCT
fsr-3390	249	6	a	a	DET
fsr-3390	249	7	correlation	correlation	NOUN
fsr-3390	249	8	analysis	analysis	NOUN
fsr-3390	249	9	was	be	AUX
fsr-3390	249	10	conducted	conduct	VERB
fsr-3390	249	11	to	to	ADP
fsr-3390	249	12	184	184	NUM
fsr-3390	249	13	m.	m.	NOUN
fsr-3390	249	14	fulk	fulk	PROPN
fsr-3390	249	15	et	et	PROPN
fsr-3390	249	16	al	al	PROPN
fsr-3390	249	17	.	.	PUNCT
fsr-3390	249	18	/	/	SYM
fsr-3390	249	19	financial	financial	ADJ
fsr-3390	249	20	services	service	NOUN
fsr-3390	249	21	review	review	VERB
fsr-3390	249	22	27	27	NUM
fsr-3390	249	23	(	(	PUNCT
fsr-3390	249	24	2018	2018	NUM
fsr-3390	249	25	)	)	PUNCT
fsr-3390	249	26	173	173	NUM
fsr-3390	249	27	-	-	SYM
fsr-3390	249	28	188	188	NUM
fsr-3390	249	29	ensure	ensure	NOUN
fsr-3390	249	30	that	that	SCONJ
fsr-3390	249	31	multicollinearity	multicollinearity	NOUN
fsr-3390	249	32	was	be	AUX
fsr-3390	249	33	not	not	PART
fsr-3390	249	34	present	present	ADJ
fsr-3390	249	35	in	in	ADP
fsr-3390	249	36	the	the	DET
fsr-3390	249	37	logit	logit	PROPN
fsr-3390	249	38	model	model	NOUN
fsr-3390	249	39	.	.	PUNCT
fsr-3390	250	1	the	the	DET
fsr-3390	250	2	only	only	ADJ
fsr-3390	250	3	relationship	relationship	NOUN
fsr-3390	250	4	among	among	ADP
fsr-3390	250	5	the	the	DET
fsr-3390	250	6	independent	independent	ADJ
fsr-3390	250	7	variables	variable	NOUN
fsr-3390	250	8	that	that	PRON
fsr-3390	250	9	was	be	AUX
fsr-3390	250	10	of	of	ADP
fsr-3390	250	11	medium	medium	ADJ
fsr-3390	250	12	or	or	CCONJ
fsr-3390	250	13	larger	large	ADJ
fsr-3390	250	14	effect	effect	NOUN
fsr-3390	250	15	was	be	AUX
fsr-3390	250	16	the	the	DET
fsr-3390	250	17	association	association	NOUN
fsr-3390	250	18	between	between	ADP
fsr-3390	250	19	impulsivity	impulsivity	NOUN
fsr-3390	250	20	and	and	CCONJ
fsr-3390	250	21	disappointment	disappointment	NOUN
fsr-3390	250	22	(	(	PUNCT
fsr-3390	250	23	r	r	NOUN
fsr-3390	250	24	�	�	PROPN
fsr-3390	250	25	0.45	0.45	NUM
fsr-3390	250	26	)	)	PUNCT
fsr-3390	250	27	.	.	PUNCT
fsr-3390	251	1	no	no	DET
fsr-3390	251	2	other	other	ADJ
fsr-3390	251	3	issues	issue	NOUN
fsr-3390	251	4	of	of	ADP
fsr-3390	251	5	high	high	ADJ
fsr-3390	251	6	correlation	correlation	NOUN
fsr-3390	251	7	or	or	CCONJ
fsr-3390	251	8	multicollinearity	multicollinearity	NOUN
fsr-3390	251	9	were	be	AUX
fsr-3390	251	10	observed	observe	VERB
fsr-3390	251	11	.	.	PUNCT
fsr-3390	252	1	findings	finding	NOUN
fsr-3390	252	2	from	from	ADP
fsr-3390	252	3	this	this	DET
fsr-3390	252	4	study	study	NOUN
fsr-3390	252	5	partially	partially	ADV
fsr-3390	252	6	validate	validate	VERB
fsr-3390	252	7	what	what	PRON
fsr-3390	252	8	has	have	AUX
fsr-3390	252	9	been	be	AUX
fsr-3390	252	10	previously	previously	ADV
fsr-3390	252	11	reported	report	VERB
fsr-3390	252	12	in	in	ADP
fsr-3390	252	13	the	the	DET
fsr-3390	252	14	literature	literature	NOUN
fsr-3390	252	15	.	.	PUNCT
fsr-3390	253	1	those	those	PRON
fsr-3390	253	2	who	who	PRON
fsr-3390	253	3	used	use	VERB
fsr-3390	253	4	or	or	CCONJ
fsr-3390	253	5	planned	plan	VERB
fsr-3390	253	6	to	to	PART
fsr-3390	253	7	use	use	VERB
fsr-3390	253	8	a	a	DET
fsr-3390	253	9	robo	robo	NOUN
fsr-3390	253	10	-	-	PUNCT
fsr-3390	253	11	advisor	advisor	NOUN
fsr-3390	253	12	exhibited	exhibit	VERB
fsr-3390	253	13	certain	certain	ADJ
fsr-3390	253	14	characteristics	characteristic	NOUN
fsr-3390	253	15	;	;	PUNCT
fsr-3390	253	16	however	however	ADV
fsr-3390	253	17	,	,	PUNCT
fsr-3390	253	18	it	it	PRON
fsr-3390	253	19	is	be	AUX
fsr-3390	253	20	important	important	ADJ
fsr-3390	253	21	to	to	PART
fsr-3390	253	22	note	note	VERB
fsr-3390	253	23	that	that	SCONJ
fsr-3390	253	24	the	the	DET
fsr-3390	253	25	list	list	NOUN
fsr-3390	253	26	of	of	ADP
fsr-3390	253	27	characteristics	characteristic	NOUN
fsr-3390	253	28	is	be	AUX
fsr-3390	253	29	not	not	PART
fsr-3390	253	30	fully	fully	ADV
fsr-3390	253	31	inclusive	inclusive	ADJ
fsr-3390	253	32	.	.	PUNCT
fsr-3390	254	1	in	in	ADP
fsr-3390	254	2	many	many	ADJ
fsr-3390	254	3	respects	respect	NOUN
fsr-3390	254	4	,	,	PUNCT
fsr-3390	254	5	the	the	DET
fsr-3390	254	6	type	type	NOUN
fsr-3390	254	7	of	of	ADP
fsr-3390	254	8	person	person	NOUN
fsr-3390	254	9	who	who	PRON
fsr-3390	254	10	was	be	AUX
fsr-3390	254	11	at	at	ADP
fsr-3390	254	12	the	the	DET
fsr-3390	254	13	time	time	NOUN
fsr-3390	254	14	of	of	ADP
fsr-3390	254	15	the	the	DET
fsr-3390	254	16	survey	survey	NOUN
fsr-3390	254	17	working	work	VERB
fsr-3390	254	18	with	with	ADP
fsr-3390	254	19	a	a	DET
fsr-3390	254	20	robo	robo	NOUN
fsr-3390	254	21	-	-	PUNCT
fsr-3390	254	22	advisor	advisor	NOUN
fsr-3390	254	23	was	be	AUX
fsr-3390	254	24	similar	similar	ADJ
fsr-3390	254	25	to	to	ADP
fsr-3390	254	26	the	the	DET
fsr-3390	254	27	profile	profile	NOUN
fsr-3390	254	28	of	of	ADP
fsr-3390	254	29	those	those	PRON
fsr-3390	254	30	who	who	PRON
fsr-3390	254	31	were	be	AUX
fsr-3390	254	32	working	work	VERB
fsr-3390	254	33	with	with	ADP
fsr-3390	254	34	a	a	DET
fsr-3390	254	35	traditional	traditional	ADJ
fsr-3390	254	36	financial	financial	ADJ
fsr-3390	254	37	planner	planner	NOUN
fsr-3390	254	38	.	.	PUNCT
fsr-3390	255	1	there	there	PRON
fsr-3390	255	2	were	be	VERB
fsr-3390	255	3	,	,	PUNCT
fsr-3390	255	4	however	however	ADV
fsr-3390	255	5	,	,	PUNCT
fsr-3390	255	6	four	four	NUM
fsr-3390	255	7	distinguishing	distinguish	VERB
fsr-3390	255	8	help	help	AUX
fsr-3390	255	9	-	-	PUNCT
fsr-3390	255	10	seeking	seek	VERB
fsr-3390	255	11	characteristics	characteristic	NOUN
fsr-3390	255	12	that	that	PRON
fsr-3390	255	13	differentiated	differentiate	VERB
fsr-3390	255	14	the	the	DET
fsr-3390	255	15	two	two	NUM
fsr-3390	255	16	groups	group	NOUN
fsr-3390	255	17	:	:	PUNCT
fsr-3390	255	18	(	(	PUNCT
fsr-3390	255	19	1	1	X
fsr-3390	255	20	)	)	PUNCT
fsr-3390	255	21	older	old	ADJ
fsr-3390	255	22	clients	client	NOUN
fsr-3390	255	23	generally	generally	ADV
fsr-3390	255	24	reported	report	VERB
fsr-3390	255	25	working	work	VERB
fsr-3390	255	26	with	with	ADP
fsr-3390	255	27	traditional	traditional	ADJ
fsr-3390	255	28	financial	financial	ADJ
fsr-3390	255	29	planners	planner	NOUN
fsr-3390	255	30	(	(	PUNCT
fsr-3390	255	31	a	a	DET
fsr-3390	255	32	human	human	ADJ
fsr-3390	255	33	interaction	interaction	NOUN
fsr-3390	255	34	)	)	PUNCT
fsr-3390	255	35	;	;	PUNCT
fsr-3390	255	36	(	(	PUNCT
fsr-3390	255	37	2	2	X
fsr-3390	255	38	)	)	PUNCT
fsr-3390	255	39	those	those	PRON
fsr-3390	255	40	with	with	ADP
fsr-3390	255	41	high	high	ADJ
fsr-3390	255	42	incomes	income	NOUN
fsr-3390	255	43	reported	report	VERB
fsr-3390	255	44	working	work	VERB
fsr-3390	255	45	with	with	ADP
fsr-3390	255	46	traditional	traditional	ADJ
fsr-3390	255	47	financial	financial	ADJ
fsr-3390	255	48	planners	planner	NOUN
fsr-3390	255	49	;	;	PUNCT
fsr-3390	255	50	(	(	PUNCT
fsr-3390	255	51	3	3	X
fsr-3390	255	52	)	)	PUNCT
fsr-3390	255	53	those	those	PRON
fsr-3390	255	54	with	with	ADP
fsr-3390	255	55	more	more	ADJ
fsr-3390	255	56	wealth	wealth	NOUN
fsr-3390	255	57	reported	report	VERB
fsr-3390	255	58	working	work	VERB
fsr-3390	255	59	with	with	ADP
fsr-3390	255	60	traditional	traditional	ADJ
fsr-3390	255	61	financial	financial	ADJ
fsr-3390	255	62	planners	planner	NOUN
fsr-3390	255	63	;	;	PUNCT
fsr-3390	255	64	and	and	CCONJ
fsr-3390	255	65	(	(	PUNCT
fsr-3390	255	66	4	4	X
fsr-3390	255	67	)	)	PUNCT
fsr-3390	255	68	those	those	PRON
fsr-3390	255	69	with	with	ADP
fsr-3390	255	70	more	more	ADJ
fsr-3390	255	71	wealth	wealth	NOUN
fsr-3390	255	72	attributable	attributable	ADJ
fsr-3390	255	73	to	to	ADP
fsr-3390	255	74	an	an	DET
fsr-3390	255	75	inheritance	inheritance	NOUN
fsr-3390	255	76	reported	report	VERB
fsr-3390	255	77	working	work	VERB
fsr-3390	255	78	with	with	ADP
fsr-3390	255	79	a	a	DET
fsr-3390	255	80	traditional	traditional	ADJ
fsr-3390	255	81	financial	financial	ADJ
fsr-3390	255	82	planner	planner	NOUN
fsr-3390	255	83	.	.	PUNCT
fsr-3390	256	1	it	it	PRON
fsr-3390	256	2	appears	appear	VERB
fsr-3390	256	3	,	,	PUNCT
fsr-3390	256	4	at	at	ADP
fsr-3390	256	5	least	least	ADJ
fsr-3390	256	6	among	among	ADP
fsr-3390	256	7	those	those	PRON
fsr-3390	256	8	who	who	PRON
fsr-3390	256	9	participated	participate	VERB
fsr-3390	256	10	in	in	ADP
fsr-3390	256	11	this	this	DET
fsr-3390	256	12	study	study	NOUN
fsr-3390	256	13	,	,	PUNCT
fsr-3390	256	14	that	that	SCONJ
fsr-3390	256	15	robo	robo	NOUN
fsr-3390	256	16	-	-	PUNCT
fsr-3390	256	17	advisors	advisor	NOUN
fsr-3390	256	18	fill	fill	VERB
fsr-3390	256	19	a	a	DET
fsr-3390	256	20	unique	unique	ADJ
fsr-3390	256	21	niche	niche	NOUN
fsr-3390	256	22	for	for	ADP
fsr-3390	256	23	consumers	consumer	NOUN
fsr-3390	256	24	who	who	PRON
fsr-3390	256	25	(	(	PUNCT
fsr-3390	256	26	1	1	X
fsr-3390	256	27	)	)	PUNCT
fsr-3390	256	28	do	do	AUX
fsr-3390	256	29	not	not	PART
fsr-3390	256	30	meet	meet	VERB
fsr-3390	256	31	asset	asset	NOUN
fsr-3390	256	32	under	under	ADP
fsr-3390	256	33	management	management	NOUN
fsr-3390	256	34	(	(	PUNCT
fsr-3390	256	35	aum	aum	NOUN
fsr-3390	256	36	)	)	PUNCT
fsr-3390	256	37	minimums	minimum	NOUN
fsr-3390	256	38	for	for	ADP
fsr-3390	256	39	traditional	traditional	ADJ
fsr-3390	256	40	financial	financial	ADJ
fsr-3390	256	41	planning	planning	NOUN
fsr-3390	256	42	firms	firm	NOUN
fsr-3390	256	43	or	or	CCONJ
fsr-3390	256	44	(	(	PUNCT
fsr-3390	256	45	2	2	NUM
fsr-3390	256	46	)	)	PUNCT
fsr-3390	256	47	desire	desire	NOUN
fsr-3390	256	48	a	a	DET
fsr-3390	256	49	financial	financial	ADJ
fsr-3390	256	50	planning	planning	NOUN
fsr-3390	256	51	service	service	NOUN
fsr-3390	256	52	that	that	PRON
fsr-3390	256	53	provides	provide	VERB
fsr-3390	256	54	fast	fast	ADJ
fsr-3390	256	55	and	and	CCONJ
fsr-3390	256	56	low	low	ADJ
fsr-3390	256	57	-	-	PUNCT
fsr-3390	256	58	cost	cost	NOUN
fsr-3390	256	59	service	service	NOUN
fsr-3390	256	60	.	.	PUNCT
fsr-3390	257	1	the	the	DET
fsr-3390	257	2	projected	project	VERB
fsr-3390	257	3	growth	growth	NOUN
fsr-3390	257	4	of	of	ADP
fsr-3390	257	5	robo	robo	NOUN
fsr-3390	257	6	-	-	PUNCT
fsr-3390	257	7	advisory	advisory	ADJ
fsr-3390	257	8	services	service	NOUN
fsr-3390	257	9	,	,	PUNCT
fsr-3390	257	10	and	and	CCONJ
fsr-3390	257	11	the	the	DET
fsr-3390	257	12	firms	firm	NOUN
fsr-3390	257	13	operating	operate	VERB
fsr-3390	257	14	in	in	ADP
fsr-3390	257	15	this	this	DET
fsr-3390	257	16	segment	segment	NOUN
fsr-3390	257	17	of	of	ADP
fsr-3390	257	18	the	the	DET
fsr-3390	257	19	market	market	NOUN
fsr-3390	257	20	,	,	PUNCT
fsr-3390	257	21	is	be	AUX
fsr-3390	257	22	expected	expect	VERB
fsr-3390	257	23	to	to	PART
fsr-3390	257	24	develop	develop	VERB
fsr-3390	257	25	at	at	ADP
fsr-3390	257	26	a	a	DET
fsr-3390	257	27	rapid	rapid	ADJ
fsr-3390	257	28	pace	pace	NOUN
fsr-3390	257	29	.	.	PUNCT
fsr-3390	258	1	this	this	PRON
fsr-3390	258	2	indicates	indicate	VERB
fsr-3390	258	3	that	that	SCONJ
fsr-3390	258	4	robo	robo	NOUN
fsr-3390	258	5	-	-	PUNCT
fsr-3390	258	6	advisory	advisory	ADJ
fsr-3390	258	7	services	service	NOUN
fsr-3390	258	8	are	be	AUX
fsr-3390	258	9	not	not	PART
fsr-3390	258	10	transient	transient	ADJ
fsr-3390	258	11	.	.	PUNCT
fsr-3390	259	1	it	it	PRON
fsr-3390	259	2	is	be	AUX
fsr-3390	259	3	worth	worth	ADJ
fsr-3390	259	4	considering	consider	VERB
fsr-3390	259	5	,	,	PUNCT
fsr-3390	259	6	however	however	ADV
fsr-3390	259	7	,	,	PUNCT
fsr-3390	259	8	that	that	SCONJ
fsr-3390	259	9	those	those	PRON
fsr-3390	259	10	who	who	PRON
fsr-3390	259	11	currently	currently	ADV
fsr-3390	259	12	use	use	VERB
fsr-3390	259	13	robo	robo	NOUN
fsr-3390	259	14	-	-	PUNCT
fsr-3390	259	15	advisory	advisory	NOUN
fsr-3390	259	16	services	service	NOUN
fsr-3390	259	17	may	may	AUX
fsr-3390	259	18	find	find	VERB
fsr-3390	259	19	services	service	NOUN
fsr-3390	259	20	to	to	PART
fsr-3390	259	21	be	be	AUX
fsr-3390	259	22	inadequate	inadequate	ADJ
fsr-3390	259	23	or	or	CCONJ
fsr-3390	259	24	inappropriate	inappropriate	ADJ
fsr-3390	259	25	in	in	ADP
fsr-3390	259	26	the	the	DET
fsr-3390	259	27	future	future	NOUN
fsr-3390	259	28	,	,	PUNCT
fsr-3390	259	29	particularly	particularly	ADV
fsr-3390	259	30	as	as	SCONJ
fsr-3390	259	31	the	the	DET
fsr-3390	259	32	complexity	complexity	NOUN
fsr-3390	259	33	of	of	ADP
fsr-3390	259	34	a	a	DET
fsr-3390	259	35	help	help	NOUN
fsr-3390	259	36	-	-	PUNCT
fsr-3390	259	37	seeker	seeker	NOUN
fsr-3390	259	38	’s	’s	PART
fsr-3390	259	39	financial	financial	ADJ
fsr-3390	259	40	situation	situation	NOUN
fsr-3390	259	41	changes	change	VERB
fsr-3390	259	42	over	over	ADP
fsr-3390	259	43	time	time	NOUN
fsr-3390	259	44	.	.	PUNCT
fsr-3390	260	1	the	the	DET
fsr-3390	260	2	lack	lack	NOUN
fsr-3390	260	3	of	of	ADP
fsr-3390	260	4	flexibility	flexibility	NOUN
fsr-3390	260	5	,	,	PUNCT
fsr-3390	260	6	personalization	personalization	NOUN
fsr-3390	260	7	,	,	PUNCT
fsr-3390	260	8	and	and	CCONJ
fsr-3390	260	9	human	human	ADJ
fsr-3390	260	10	interaction	interaction	NOUN
fsr-3390	260	11	will	will	AUX
fsr-3390	260	12	continue	continue	VERB
fsr-3390	260	13	to	to	PART
fsr-3390	260	14	be	be	AUX
fsr-3390	260	15	a	a	DET
fsr-3390	260	16	challenge	challenge	NOUN
fsr-3390	260	17	for	for	ADP
fsr-3390	260	18	robo	robo	NOUN
fsr-3390	260	19	-	-	PUNCT
fsr-3390	260	20	advisors	advisor	NOUN
fsr-3390	260	21	as	as	SCONJ
fsr-3390	260	22	the	the	DET
fsr-3390	260	23	financial	financial	ADJ
fsr-3390	260	24	needs	need	NOUN
fsr-3390	260	25	and	and	CCONJ
fsr-3390	260	26	net	net	ADJ
fsr-3390	260	27	worth	worth	NOUN
fsr-3390	260	28	of	of	ADP
fsr-3390	260	29	existing	exist	VERB
fsr-3390	260	30	clients	client	NOUN
fsr-3390	260	31	increase	increase	VERB
fsr-3390	260	32	.	.	PUNCT
fsr-3390	261	1	if	if	SCONJ
fsr-3390	261	2	the	the	DET
fsr-3390	261	3	demographic	demographic	ADJ
fsr-3390	261	4	and	and	CCONJ
fsr-3390	261	5	attitudinal	attitudinal	ADJ
fsr-3390	261	6	profile	profile	NOUN
fsr-3390	261	7	of	of	ADP
fsr-3390	261	8	help	help	NOUN
fsr-3390	261	9	-	-	PUNCT
fsr-3390	261	10	seekers	seeker	NOUN
fsr-3390	261	11	remains	remain	VERB
fsr-3390	261	12	consistent	consistent	ADJ
fsr-3390	261	13	across	across	ADP
fsr-3390	261	14	time	time	NOUN
fsr-3390	261	15	,	,	PUNCT
fsr-3390	261	16	opportunities	opportunity	NOUN
fsr-3390	261	17	for	for	ADP
fsr-3390	261	18	traditional	traditional	ADJ
fsr-3390	261	19	financial	financial	ADJ
fsr-3390	261	20	planners	planner	NOUN
fsr-3390	261	21	may	may	AUX
fsr-3390	261	22	emerge	emerge	VERB
fsr-3390	261	23	.	.	PUNCT
fsr-3390	262	1	consumers	consumer	NOUN
fsr-3390	262	2	may	may	AUX
fsr-3390	262	3	abandon	abandon	VERB
fsr-3390	262	4	roboadvisors	roboadvisor	NOUN
fsr-3390	262	5	for	for	ADP
fsr-3390	262	6	more	more	ADV
fsr-3390	262	7	traditional	traditional	ADJ
fsr-3390	262	8	firms	firm	NOUN
fsr-3390	262	9	as	as	ADP
fsr-3390	262	10	the	the	DET
fsr-3390	262	11	real	real	ADJ
fsr-3390	262	12	or	or	CCONJ
fsr-3390	262	13	perceived	perceive	VERB
fsr-3390	262	14	need	need	NOUN
fsr-3390	262	15	for	for	SCONJ
fsr-3390	262	16	a	a	DET
fsr-3390	262	17	more	more	ADV
fsr-3390	262	18	personal	personal	ADJ
fsr-3390	262	19	service	service	NOUN
fsr-3390	262	20	grows	grow	VERB
fsr-3390	262	21	in	in	ADP
fsr-3390	262	22	tandem	tandem	NOUN
fsr-3390	262	23	with	with	ADP
fsr-3390	262	24	household	household	NOUN
fsr-3390	262	25	income	income	NOUN
fsr-3390	262	26	,	,	PUNCT
fsr-3390	262	27	wealth	wealth	NOUN
fsr-3390	262	28	,	,	PUNCT
fsr-3390	262	29	and	and	CCONJ
fsr-3390	262	30	financial	financial	ADJ
fsr-3390	262	31	planning	planning	NOUN
fsr-3390	262	32	complexity	complexity	NOUN
fsr-3390	262	33	.	.	PUNCT
fsr-3390	263	1	it	it	PRON
fsr-3390	263	2	would	would	AUX
fsr-3390	263	3	be	be	AUX
fsr-3390	263	4	a	a	DET
fsr-3390	263	5	mistake	mistake	NOUN
fsr-3390	263	6	to	to	PART
fsr-3390	263	7	assume	assume	VERB
fsr-3390	263	8	consumers	consumer	NOUN
fsr-3390	263	9	will	will	AUX
fsr-3390	263	10	always	always	ADV
fsr-3390	263	11	opt	opt	VERB
fsr-3390	263	12	in	in	ADP
fsr-3390	263	13	to	to	ADP
fsr-3390	263	14	the	the	DET
fsr-3390	263	15	least	least	ADV
fsr-3390	263	16	expensive	expensive	ADJ
fsr-3390	263	17	and	and	CCONJ
fsr-3390	263	18	quickest	quick	ADJ
fsr-3390	263	19	product	product	NOUN
fsr-3390	263	20	or	or	CCONJ
fsr-3390	263	21	service	service	NOUN
fsr-3390	263	22	on	on	ADP
fsr-3390	263	23	the	the	DET
fsr-3390	263	24	market	market	NOUN
fsr-3390	263	25	.	.	PUNCT
fsr-3390	264	1	clients	client	NOUN
fsr-3390	264	2	generally	generally	ADV
fsr-3390	264	3	consider	consider	VERB
fsr-3390	264	4	many	many	ADJ
fsr-3390	264	5	factors	factor	NOUN
fsr-3390	264	6	when	when	SCONJ
fsr-3390	264	7	pursuing	pursue	VERB
fsr-3390	264	8	financial	financial	ADJ
fsr-3390	264	9	help	help	NOUN
fsr-3390	264	10	,	,	PUNCT
fsr-3390	264	11	often	often	ADV
fsr-3390	264	12	weighing	weigh	VERB
fsr-3390	264	13	the	the	DET
fsr-3390	264	14	costs	cost	NOUN
fsr-3390	264	15	and	and	CCONJ
fsr-3390	264	16	benefits	benefit	NOUN
fsr-3390	264	17	(	(	PUNCT
fsr-3390	264	18	both	both	CCONJ
fsr-3390	264	19	financial	financial	ADJ
fsr-3390	264	20	and	and	CCONJ
fsr-3390	264	21	emotional	emotional	ADJ
fsr-3390	264	22	)	)	PUNCT
fsr-3390	264	23	associated	associate	VERB
fsr-3390	264	24	with	with	ADP
fsr-3390	264	25	maintaining	maintain	VERB
fsr-3390	264	26	a	a	DET
fsr-3390	264	27	financial	financial	ADJ
fsr-3390	264	28	planner	planner	NOUN
fsr-3390	264	29	and/or	and/or	CCONJ
fsr-3390	264	30	robo	robo	NOUN
fsr-3390	264	31	-	-	PUNCT
fsr-3390	264	32	advisor	advisor	NOUN
fsr-3390	264	33	relationship	relationship	NOUN
fsr-3390	264	34	.	.	PUNCT
fsr-3390	265	1	thus	thus	ADV
fsr-3390	265	2	,	,	PUNCT
fsr-3390	265	3	traditional	traditional	ADJ
fsr-3390	265	4	financial	financial	ADJ
fsr-3390	265	5	planners	planner	NOUN
fsr-3390	265	6	can	can	AUX
fsr-3390	265	7	add	add	VERB
fsr-3390	265	8	value	value	NOUN
fsr-3390	265	9	by	by	ADP
fsr-3390	265	10	developing	develop	VERB
fsr-3390	265	11	meaningful	meaningful	ADJ
fsr-3390	265	12	client	client	NOUN
fsr-3390	265	13	-	-	PUNCT
fsr-3390	265	14	financial	financial	ADJ
fsr-3390	265	15	planner	planner	NOUN
fsr-3390	265	16	relationships	relationship	NOUN
fsr-3390	265	17	and	and	CCONJ
fsr-3390	265	18	creating	create	VERB
fsr-3390	265	19	personalized	personalized	ADJ
fsr-3390	265	20	solutions	solution	NOUN
fsr-3390	265	21	based	base	VERB
fsr-3390	265	22	on	on	ADP
fsr-3390	265	23	each	each	DET
fsr-3390	265	24	client	client	NOUN
fsr-3390	265	25	’s	’s	PART
fsr-3390	265	26	financial	financial	ADJ
fsr-3390	265	27	situation	situation	NOUN
fsr-3390	265	28	.	.	PUNCT
fsr-3390	266	1	keep	keep	VERB
fsr-3390	266	2	in	in	ADP
fsr-3390	266	3	mind	mind	NOUN
fsr-3390	266	4	,	,	PUNCT
fsr-3390	266	5	however	however	ADV
fsr-3390	266	6	,	,	PUNCT
fsr-3390	266	7	that	that	SCONJ
fsr-3390	266	8	this	this	PRON
fsr-3390	266	9	is	be	AUX
fsr-3390	266	10	only	only	ADV
fsr-3390	266	11	speculation	speculation	NOUN
fsr-3390	266	12	at	at	ADP
fsr-3390	266	13	this	this	DET
fsr-3390	266	14	point	point	NOUN
fsr-3390	266	15	.	.	PUNCT
fsr-3390	267	1	more	more	ADJ
fsr-3390	267	2	time	time	NOUN
fsr-3390	267	3	and	and	CCONJ
fsr-3390	267	4	research	research	NOUN
fsr-3390	267	5	will	will	AUX
fsr-3390	267	6	be	be	AUX
fsr-3390	267	7	needed	need	VERB
fsr-3390	267	8	to	to	PART
fsr-3390	267	9	better	well	ADV
fsr-3390	267	10	understand	understand	VERB
fsr-3390	267	11	consumers	consumer	NOUN
fsr-3390	267	12	’	'	PUNCT
fsr-3390	267	13	preferences	preference	NOUN
fsr-3390	267	14	for	for	ADP
fsr-3390	267	15	robo	robo	NOUN
fsr-3390	267	16	-	-	PUNCT
fsr-3390	267	17	advisory	advisory	ADJ
fsr-3390	267	18	services	service	NOUN
fsr-3390	267	19	over	over	ADP
fsr-3390	267	20	traditional	traditional	ADJ
fsr-3390	267	21	financial	financial	ADJ
fsr-3390	267	22	planning	planning	NOUN
fsr-3390	267	23	firm	firm	ADJ
fsr-3390	267	24	offerings	offering	NOUN
fsr-3390	267	25	.	.	PUNCT
fsr-3390	268	1	the	the	DET
fsr-3390	268	2	findings	finding	NOUN
fsr-3390	268	3	from	from	ADP
fsr-3390	268	4	this	this	DET
fsr-3390	268	5	study	study	NOUN
fsr-3390	268	6	call	call	VERB
fsr-3390	268	7	out	out	ADP
fsr-3390	268	8	for	for	ADP
fsr-3390	268	9	additional	additional	ADJ
fsr-3390	268	10	research	research	NOUN
fsr-3390	268	11	efforts	effort	NOUN
fsr-3390	268	12	to	to	PART
fsr-3390	268	13	better	well	ADV
fsr-3390	268	14	understand	understand	VERB
fsr-3390	268	15	the	the	DET
fsr-3390	268	16	similarities	similarity	NOUN
fsr-3390	268	17	and	and	CCONJ
fsr-3390	268	18	differences	difference	NOUN
fsr-3390	268	19	between	between	ADP
fsr-3390	268	20	those	those	PRON
fsr-3390	268	21	who	who	PRON
fsr-3390	268	22	use	use	VERB
fsr-3390	268	23	(	(	PUNCT
fsr-3390	268	24	or	or	CCONJ
fsr-3390	268	25	plan	plan	VERB
fsr-3390	268	26	to	to	PART
fsr-3390	268	27	use	use	VERB
fsr-3390	268	28	)	)	PUNCT
fsr-3390	268	29	robo	robo	NOUN
fsr-3390	268	30	-	-	PUNCT
fsr-3390	268	31	advisory	advisory	ADJ
fsr-3390	268	32	and/or	and/or	CCONJ
fsr-3390	268	33	traditional	traditional	ADJ
fsr-3390	268	34	financial	financial	ADJ
fsr-3390	268	35	planning	planning	NOUN
fsr-3390	268	36	services	service	NOUN
fsr-3390	268	37	.	.	PUNCT
fsr-3390	269	1	an	an	DET
fsr-3390	269	2	important	important	ADJ
fsr-3390	269	3	question	question	NOUN
fsr-3390	269	4	that	that	PRON
fsr-3390	269	5	remains	remain	VERB
fsr-3390	269	6	unanswered	unanswered	ADJ
fsr-3390	269	7	is	be	AUX
fsr-3390	269	8	:	:	PUNCT
fsr-3390	269	9	“	"	PUNCT
fsr-3390	269	10	how	how	SCONJ
fsr-3390	269	11	fluid	fluid	NOUN
fsr-3390	269	12	is	be	AUX
fsr-3390	269	13	the	the	DET
fsr-3390	269	14	use	use	NOUN
fsr-3390	269	15	of	of	ADP
fsr-3390	269	16	robo	robo	NOUN
fsr-3390	269	17	-	-	PUNCT
fsr-3390	269	18	advisory	advisory	ADJ
fsr-3390	269	19	services	service	NOUN
fsr-3390	269	20	?	?	PUNCT
fsr-3390	269	21	”	"	PUNCT
fsr-3390	269	22	data	datum	NOUN
fsr-3390	269	23	from	from	ADP
fsr-3390	269	24	this	this	DET
fsr-3390	269	25	study	study	NOUN
fsr-3390	269	26	confirm	confirm	VERB
fsr-3390	269	27	previous	previous	ADJ
fsr-3390	269	28	findings	finding	NOUN
fsr-3390	269	29	in	in	ADP
fsr-3390	269	30	the	the	DET
fsr-3390	269	31	literature	literature	NOUN
fsr-3390	269	32	;	;	PUNCT
fsr-3390	269	33	namely	namely	ADV
fsr-3390	269	34	,	,	PUNCT
fsr-3390	269	35	those	those	PRON
fsr-3390	269	36	who	who	PRON
fsr-3390	269	37	use	use	VERB
fsr-3390	269	38	robo	robo	NOUN
fsr-3390	269	39	-	-	PUNCT
fsr-3390	269	40	advisors	advisor	NOUN
fsr-3390	269	41	tend	tend	VERB
fsr-3390	269	42	to	to	PART
fsr-3390	269	43	be	be	AUX
fsr-3390	269	44	younger	young	ADJ
fsr-3390	269	45	,	,	PUNCT
fsr-3390	269	46	have	have	VERB
fsr-3390	269	47	less	less	ADJ
fsr-3390	269	48	household	household	NOUN
fsr-3390	269	49	income	income	NOUN
fsr-3390	269	50	,	,	PUNCT
fsr-3390	269	51	and	and	CCONJ
fsr-3390	269	52	lower	low	ADJ
fsr-3390	269	53	household	household	NOUN
fsr-3390	269	54	net	net	NOUN
fsr-3390	269	55	worth	worth	NOUN
fsr-3390	269	56	.	.	PUNCT
fsr-3390	270	1	hence	hence	ADV
fsr-3390	270	2	,	,	PUNCT
fsr-3390	270	3	it	it	PRON
fsr-3390	270	4	is	be	AUX
fsr-3390	270	5	reasonable	reasonable	ADJ
fsr-3390	270	6	to	to	PART
fsr-3390	270	7	ask	ask	VERB
fsr-3390	270	8	if	if	SCONJ
fsr-3390	270	9	these	these	DET
fsr-3390	270	10	185	185	NUM
fsr-3390	270	11	m.	m.	NOUN
fsr-3390	270	12	fulk	fulk	PROPN
fsr-3390	270	13	et	et	PROPN
fsr-3390	270	14	al	al	PROPN
fsr-3390	270	15	.	.	PUNCT
fsr-3390	270	16	/	/	SYM
fsr-3390	270	17	financial	financial	ADJ
fsr-3390	270	18	services	service	NOUN
fsr-3390	270	19	review	review	VERB
fsr-3390	270	20	27	27	NUM
fsr-3390	270	21	(	(	PUNCT
fsr-3390	270	22	2018	2018	NUM
fsr-3390	270	23	)	)	PUNCT
fsr-3390	270	24	173	173	NUM
fsr-3390	270	25	-	-	SYM
fsr-3390	270	26	188	188	NUM
fsr-3390	270	27	current	current	ADJ
fsr-3390	270	28	users	user	NOUN
fsr-3390	270	29	will	will	AUX
fsr-3390	270	30	migrate	migrate	VERB
fsr-3390	270	31	to	to	ADP
fsr-3390	270	32	traditional	traditional	ADJ
fsr-3390	270	33	financial	financial	ADJ
fsr-3390	270	34	planners	planner	NOUN
fsr-3390	270	35	as	as	SCONJ
fsr-3390	270	36	they	they	PRON
fsr-3390	270	37	age	age	VERB
fsr-3390	270	38	and	and	CCONJ
fsr-3390	270	39	experience	experience	VERB
fsr-3390	270	40	an	an	DET
fsr-3390	270	41	increase	increase	NOUN
fsr-3390	270	42	in	in	ADP
fsr-3390	270	43	income	income	NOUN
fsr-3390	270	44	and	and	CCONJ
fsr-3390	270	45	net	net	ADJ
fsr-3390	270	46	worth	worth	NOUN
fsr-3390	270	47	.	.	PUNCT
fsr-3390	271	1	it	it	PRON
fsr-3390	271	2	is	be	AUX
fsr-3390	271	3	also	also	ADV
fsr-3390	271	4	reasonable	reasonable	ADJ
fsr-3390	271	5	to	to	PART
fsr-3390	271	6	ask	ask	VERB
fsr-3390	271	7	if	if	SCONJ
fsr-3390	271	8	those	those	PRON
fsr-3390	271	9	who	who	PRON
fsr-3390	271	10	currently	currently	ADV
fsr-3390	271	11	use	use	VERB
fsr-3390	271	12	robo	robo	NOUN
fsr-3390	271	13	-	-	PUNCT
fsr-3390	271	14	advisors	advisor	NOUN
fsr-3390	271	15	switch	switch	VERB
fsr-3390	271	16	to	to	ADP
fsr-3390	271	17	traditional	traditional	ADJ
fsr-3390	271	18	financial	financial	ADJ
fsr-3390	271	19	planning	planning	NOUN
fsr-3390	271	20	services	service	NOUN
fsr-3390	271	21	upon	upon	SCONJ
fsr-3390	271	22	the	the	DET
fsr-3390	271	23	receipt	receipt	NOUN
fsr-3390	271	24	of	of	ADP
fsr-3390	271	25	an	an	DET
fsr-3390	271	26	inheritance	inheritance	NOUN
fsr-3390	271	27	or	or	CCONJ
fsr-3390	271	28	other	other	ADJ
fsr-3390	271	29	financial	financial	ADJ
fsr-3390	271	30	windfalls	windfall	NOUN
fsr-3390	271	31	that	that	PRON
fsr-3390	271	32	significantly	significantly	ADV
fsr-3390	271	33	increases	increase	VERB
fsr-3390	271	34	household	household	NOUN
fsr-3390	271	35	net	net	ADJ
fsr-3390	271	36	worth	worth	NOUN
fsr-3390	271	37	.	.	PUNCT
fsr-3390	272	1	one	one	NUM
fsr-3390	272	2	answer	answer	NOUN
fsr-3390	272	3	to	to	ADP
fsr-3390	272	4	this	this	DET
fsr-3390	272	5	question	question	NOUN
fsr-3390	272	6	is	be	AUX
fsr-3390	272	7	that	that	SCONJ
fsr-3390	272	8	the	the	DET
fsr-3390	272	9	financial	financial	ADJ
fsr-3390	272	10	planning	planning	NOUN
fsr-3390	272	11	marketplace	marketplace	NOUN
fsr-3390	272	12	is	be	AUX
fsr-3390	272	13	undergoing	undergo	VERB
fsr-3390	272	14	a	a	DET
fsr-3390	272	15	transformational	transformational	ADJ
fsr-3390	272	16	change	change	NOUN
fsr-3390	272	17	,	,	PUNCT
fsr-3390	272	18	and	and	CCONJ
fsr-3390	272	19	there	there	PRON
fsr-3390	272	20	is	be	VERB
fsr-3390	272	21	no	no	DET
fsr-3390	272	22	reason	reason	NOUN
fsr-3390	272	23	to	to	PART
fsr-3390	272	24	expect	expect	VERB
fsr-3390	272	25	clients	client	NOUN
fsr-3390	272	26	will	will	AUX
fsr-3390	272	27	shift	shift	VERB
fsr-3390	272	28	services	service	NOUN
fsr-3390	272	29	over	over	ADP
fsr-3390	272	30	time	time	NOUN
fsr-3390	272	31	.	.	PUNCT
fsr-3390	273	1	the	the	DET
fsr-3390	273	2	robo	robo	NOUN
fsr-3390	273	3	-	-	PUNCT
fsr-3390	273	4	advisory	advisory	NOUN
fsr-3390	273	5	business	business	NOUN
fsr-3390	273	6	may	may	AUX
fsr-3390	273	7	be	be	AUX
fsr-3390	273	8	counting	count	VERB
fsr-3390	273	9	on	on	ADP
fsr-3390	273	10	the	the	DET
fsr-3390	273	11	inelasticity	inelasticity	NOUN
fsr-3390	273	12	of	of	ADP
fsr-3390	273	13	consumer	consumer	NOUN
fsr-3390	273	14	preferences	preference	NOUN
fsr-3390	273	15	to	to	PART
fsr-3390	273	16	dominate	dominate	VERB
fsr-3390	273	17	future	future	ADJ
fsr-3390	273	18	help	help	NOUN
fsr-3390	273	19	-	-	PUNCT
fsr-3390	273	20	seeking	seek	VERB
fsr-3390	273	21	decisions	decision	NOUN
fsr-3390	273	22	.	.	PUNCT
fsr-3390	274	1	rather	rather	ADV
fsr-3390	274	2	than	than	ADP
fsr-3390	274	3	shifting	shift	VERB
fsr-3390	274	4	to	to	ADP
fsr-3390	274	5	a	a	DET
fsr-3390	274	6	traditional	traditional	ADJ
fsr-3390	274	7	financial	financial	ADJ
fsr-3390	274	8	planner	planner	NOUN
fsr-3390	274	9	as	as	SCONJ
fsr-3390	274	10	financial	financial	ADJ
fsr-3390	274	11	circumstances	circumstance	NOUN
fsr-3390	274	12	improve	improve	VERB
fsr-3390	274	13	,	,	PUNCT
fsr-3390	274	14	robo	robo	NOUN
fsr-3390	274	15	-	-	PUNCT
fsr-3390	274	16	advisory	advisory	ADJ
fsr-3390	274	17	firms	firm	NOUN
fsr-3390	274	18	may	may	AUX
fsr-3390	274	19	be	be	AUX
fsr-3390	274	20	counting	count	VERB
fsr-3390	274	21	on	on	ADP
fsr-3390	274	22	either	either	CCONJ
fsr-3390	274	23	offering	offer	VERB
fsr-3390	274	24	new	new	ADJ
fsr-3390	274	25	services	service	NOUN
fsr-3390	274	26	in	in	ADP
fsr-3390	274	27	the	the	DET
fsr-3390	274	28	future	future	NOUN
fsr-3390	274	29	or	or	CCONJ
fsr-3390	274	30	hoping	hope	VERB
fsr-3390	274	31	that	that	SCONJ
fsr-3390	274	32	the	the	DET
fsr-3390	274	33	satisfaction	satisfaction	NOUN
fsr-3390	274	34	level	level	NOUN
fsr-3390	274	35	of	of	ADP
fsr-3390	274	36	current	current	ADJ
fsr-3390	274	37	clients	client	NOUN
fsr-3390	274	38	outweighs	outweigh	VERB
fsr-3390	274	39	the	the	DET
fsr-3390	274	40	advantages	advantage	NOUN
fsr-3390	274	41	of	of	ADP
fsr-3390	274	42	migrating	migrate	VERB
fsr-3390	274	43	to	to	ADP
fsr-3390	274	44	a	a	DET
fsr-3390	274	45	financial	financial	ADJ
fsr-3390	274	46	planner	planner	NOUN
fsr-3390	274	47	.	.	PUNCT
fsr-3390	275	1	essentially	essentially	ADV
fsr-3390	275	2	,	,	PUNCT
fsr-3390	275	3	the	the	DET
fsr-3390	275	4	argument	argument	NOUN
fsr-3390	275	5	is	be	AUX
fsr-3390	275	6	that	that	SCONJ
fsr-3390	275	7	millennial	millennial	ADJ
fsr-3390	275	8	consumers	consumer	NOUN
fsr-3390	275	9	are	be	AUX
fsr-3390	275	10	so	so	ADV
fsr-3390	275	11	technologically	technologically	ADV
fsr-3390	275	12	savvy	savvy	ADJ
fsr-3390	275	13	that	that	SCONJ
fsr-3390	275	14	they	they	PRON
fsr-3390	275	15	will	will	AUX
fsr-3390	275	16	continue	continue	VERB
fsr-3390	275	17	to	to	PART
fsr-3390	275	18	prefer	prefer	VERB
fsr-3390	275	19	automated	automate	VERB
fsr-3390	275	20	advice	advice	NOUN
fsr-3390	275	21	regardless	regardless	ADV
fsr-3390	275	22	of	of	ADP
fsr-3390	275	23	their	their	PRON
fsr-3390	275	24	household	household	NOUN
fsr-3390	275	25	financial	financial	ADJ
fsr-3390	275	26	circumstances	circumstance	NOUN
fsr-3390	275	27	.	.	PUNCT
fsr-3390	276	1	the	the	DET
fsr-3390	276	2	counterargument	counterargument	NOUN
fsr-3390	276	3	is	be	AUX
fsr-3390	276	4	that	that	SCONJ
fsr-3390	276	5	some	some	DET
fsr-3390	276	6	shift	shift	NOUN
fsr-3390	276	7	in	in	ADP
fsr-3390	276	8	help	help	NOUN
fsr-3390	276	9	-	-	PUNCT
fsr-3390	276	10	seeking	seek	VERB
fsr-3390	276	11	behavior	behavior	NOUN
fsr-3390	276	12	is	be	AUX
fsr-3390	276	13	likely	likely	ADJ
fsr-3390	276	14	to	to	PART
fsr-3390	276	15	occur	occur	VERB
fsr-3390	276	16	over	over	ADP
fsr-3390	276	17	time	time	NOUN
fsr-3390	276	18	.	.	PUNCT
fsr-3390	277	1	when	when	SCONJ
fsr-3390	277	2	individuals	individual	NOUN
fsr-3390	277	3	are	be	AUX
fsr-3390	277	4	starting	start	VERB
fsr-3390	277	5	out	out	ADP
fsr-3390	277	6	on	on	ADP
fsr-3390	277	7	their	their	PRON
fsr-3390	277	8	lifetime	lifetime	NOUN
fsr-3390	277	9	financial	financial	ADJ
fsr-3390	277	10	journey	journey	NOUN
fsr-3390	277	11	,	,	PUNCT
fsr-3390	277	12	they	they	PRON
fsr-3390	277	13	may	may	AUX
fsr-3390	277	14	feel	feel	VERB
fsr-3390	277	15	that	that	SCONJ
fsr-3390	277	16	a	a	DET
fsr-3390	277	17	fully	fully	ADV
fsr-3390	277	18	automated	automate	VERB
fsr-3390	277	19	system	system	NOUN
fsr-3390	277	20	is	be	AUX
fsr-3390	277	21	the	the	DET
fsr-3390	277	22	best	good	ADJ
fsr-3390	277	23	option	option	NOUN
fsr-3390	277	24	in	in	ADP
fsr-3390	277	25	terms	term	NOUN
fsr-3390	277	26	of	of	ADP
fsr-3390	277	27	obtaining	obtain	VERB
fsr-3390	277	28	appropriate	appropriate	ADJ
fsr-3390	277	29	financial	financial	ADJ
fsr-3390	277	30	advice	advice	NOUN
fsr-3390	277	31	at	at	ADP
fsr-3390	277	32	a	a	DET
fsr-3390	277	33	very	very	ADV
fsr-3390	277	34	low	low	ADJ
fsr-3390	277	35	-	-	PUNCT
fsr-3390	277	36	cost	cost	NOUN
fsr-3390	277	37	entry	entry	NOUN
fsr-3390	277	38	point	point	NOUN
fsr-3390	277	39	.	.	PUNCT
fsr-3390	278	1	the	the	DET
fsr-3390	278	2	current	current	ADJ
fsr-3390	278	3	marketplace	marketplace	NOUN
fsr-3390	278	4	for	for	ADP
fsr-3390	278	5	financial	financial	ADJ
fsr-3390	278	6	planning	planning	NOUN
fsr-3390	278	7	services	service	NOUN
fsr-3390	278	8	appears	appear	VERB
fsr-3390	278	9	to	to	PART
fsr-3390	278	10	reinforce	reinforce	VERB
fsr-3390	278	11	this	this	DET
fsr-3390	278	12	perception	perception	NOUN
fsr-3390	278	13	.	.	PUNCT
fsr-3390	279	1	while	while	SCONJ
fsr-3390	279	2	robo	robo	NOUN
fsr-3390	279	3	-	-	PUNCT
fsr-3390	279	4	advisory	advisory	ADJ
fsr-3390	279	5	minimums	minimum	NOUN
fsr-3390	279	6	for	for	ADP
fsr-3390	279	7	assets	asset	NOUN
fsr-3390	279	8	under	under	ADP
fsr-3390	279	9	management	management	NOUN
fsr-3390	279	10	range	range	NOUN
fsr-3390	279	11	from	from	ADP
fsr-3390	279	12	a	a	DET
fsr-3390	279	13	few	few	ADJ
fsr-3390	279	14	thousand	thousand	NUM
fsr-3390	279	15	dollars	dollar	NOUN
fsr-3390	279	16	to	to	ADP
fsr-3390	279	17	approximately	approximately	ADV
fsr-3390	279	18	$	$	SYM
fsr-3390	279	19	50,000	50,000	NUM
fsr-3390	279	20	,	,	PUNCT
fsr-3390	279	21	nearly	nearly	ADV
fsr-3390	279	22	all	all	PRON
fsr-3390	279	23	asset	asset	NOUN
fsr-3390	279	24	management	management	NOUN
fsr-3390	279	25	platforms	platform	NOUN
fsr-3390	279	26	offered	offer	VERB
fsr-3390	279	27	by	by	ADP
fsr-3390	279	28	traditional	traditional	ADJ
fsr-3390	279	29	financial	financial	ADJ
fsr-3390	279	30	planners	planner	NOUN
fsr-3390	279	31	,	,	PUNCT
fsr-3390	279	32	and	and	CCONJ
fsr-3390	279	33	nearly	nearly	ADV
fsr-3390	279	34	all	all	PRON
fsr-3390	279	35	advisorybased	advisorybase	VERB
fsr-3390	279	36	financial	financial	ADJ
fsr-3390	279	37	service	service	NOUN
fsr-3390	279	38	firms	firm	NOUN
fsr-3390	279	39	,	,	PUNCT
fsr-3390	279	40	have	have	VERB
fsr-3390	279	41	minimums	minimum	NOUN
fsr-3390	279	42	that	that	PRON
fsr-3390	279	43	start	start	VERB
fsr-3390	279	44	at	at	ADP
fsr-3390	279	45	six	six	NUM
fsr-3390	279	46	figures	figure	NOUN
fsr-3390	279	47	.	.	PUNCT
fsr-3390	280	1	this	this	DET
fsr-3390	280	2	requirement	requirement	NOUN
fsr-3390	280	3	effectively	effectively	ADV
fsr-3390	280	4	shuts	shut	VERB
fsr-3390	280	5	out	out	ADP
fsr-3390	280	6	most	most	ADJ
fsr-3390	280	7	americans	americans	PROPN
fsr-3390	280	8	and	and	CCONJ
fsr-3390	280	9	nearly	nearly	ADV
fsr-3390	280	10	all	all	PRON
fsr-3390	280	11	young	young	ADJ
fsr-3390	280	12	professionals	professional	NOUN
fsr-3390	280	13	.	.	PUNCT
fsr-3390	281	1	financial	financial	ADJ
fsr-3390	281	2	planners	planner	NOUN
fsr-3390	281	3	who	who	PRON
fsr-3390	281	4	are	be	AUX
fsr-3390	281	5	interested	interested	ADJ
fsr-3390	281	6	in	in	ADP
fsr-3390	281	7	preempting	preempt	VERB
fsr-3390	281	8	younger	young	ADJ
fsr-3390	281	9	prospective	prospective	ADJ
fsr-3390	281	10	clients	client	NOUN
fsr-3390	281	11	from	from	ADP
fsr-3390	281	12	beginning	begin	VERB
fsr-3390	281	13	the	the	DET
fsr-3390	281	14	financial	financial	ADJ
fsr-3390	281	15	process	process	NOUN
fsr-3390	281	16	via	via	ADP
fsr-3390	281	17	robo	robo	NOUN
fsr-3390	281	18	-	-	PUNCT
fsr-3390	281	19	automation	automation	NOUN
fsr-3390	281	20	might	might	AUX
fsr-3390	281	21	consider	consider	VERB
fsr-3390	281	22	using	use	VERB
fsr-3390	281	23	the	the	DET
fsr-3390	281	24	findings	finding	NOUN
fsr-3390	281	25	from	from	ADP
fsr-3390	281	26	this	this	DET
fsr-3390	281	27	study	study	NOUN
fsr-3390	281	28	to	to	PART
fsr-3390	281	29	create	create	VERB
fsr-3390	281	30	access	access	NOUN
fsr-3390	281	31	to	to	ADP
fsr-3390	281	32	services	service	NOUN
fsr-3390	281	33	for	for	ADP
fsr-3390	281	34	younger	young	ADJ
fsr-3390	281	35	and	and	CCONJ
fsr-3390	281	36	less	less	ADV
fsr-3390	281	37	wealthy	wealthy	ADJ
fsr-3390	281	38	prospective	prospective	ADJ
fsr-3390	281	39	clients	client	NOUN
fsr-3390	281	40	.	.	PUNCT
fsr-3390	282	1	this	this	PRON
fsr-3390	282	2	might	might	AUX
fsr-3390	282	3	require	require	VERB
fsr-3390	282	4	a	a	DET
fsr-3390	282	5	financial	financial	ADJ
fsr-3390	282	6	planner	planner	NOUN
fsr-3390	282	7	to	to	PART
fsr-3390	282	8	provide	provide	VERB
fsr-3390	282	9	services	service	NOUN
fsr-3390	282	10	at	at	ADP
fsr-3390	282	11	a	a	DET
fsr-3390	282	12	discount	discount	NOUN
fsr-3390	282	13	or	or	CCONJ
fsr-3390	282	14	even	even	ADV
fsr-3390	282	15	a	a	DET
fsr-3390	282	16	potential	potential	ADJ
fsr-3390	282	17	loss	loss	NOUN
fsr-3390	282	18	(	(	PUNCT
fsr-3390	282	19	e.g.	e.g.	ADV
fsr-3390	282	20	,	,	PUNCT
fsr-3390	282	21	hiring	hire	VERB
fsr-3390	282	22	younger	young	ADJ
fsr-3390	282	23	financial	financial	ADJ
fsr-3390	282	24	planners	planner	NOUN
fsr-3390	282	25	as	as	ADP
fsr-3390	282	26	a	a	DET
fsr-3390	282	27	loss	loss	NOUN
fsr-3390	282	28	-	-	PUNCT
fsr-3390	282	29	lead	lead	NOUN
fsr-3390	282	30	expense	expense	NOUN
fsr-3390	282	31	)	)	PUNCT
fsr-3390	282	32	,	,	PUNCT
fsr-3390	282	33	with	with	ADP
fsr-3390	282	34	the	the	DET
fsr-3390	282	35	hope	hope	NOUN
fsr-3390	282	36	that	that	SCONJ
fsr-3390	282	37	younger	young	ADJ
fsr-3390	282	38	clients	client	NOUN
fsr-3390	282	39	will	will	AUX
fsr-3390	282	40	maintain	maintain	VERB
fsr-3390	282	41	the	the	DET
fsr-3390	282	42	relationship	relationship	NOUN
fsr-3390	282	43	as	as	SCONJ
fsr-3390	282	44	their	their	PRON
fsr-3390	282	45	income	income	NOUN
fsr-3390	282	46	and	and	CCONJ
fsr-3390	282	47	wealth	wealth	NOUN
fsr-3390	282	48	grows	grow	VERB
fsr-3390	282	49	over	over	ADP
fsr-3390	282	50	time	time	NOUN
fsr-3390	282	51	.	.	PUNCT
fsr-3390	283	1	5	5	X
fsr-3390	283	2	.	.	NOUN
fsr-3390	283	3	limitations	limitation	NOUN
fsr-3390	283	4	and	and	CCONJ
fsr-3390	283	5	future	future	ADJ
fsr-3390	283	6	directions	direction	NOUN
fsr-3390	283	7	limitations	limitation	NOUN
fsr-3390	283	8	associated	associate	VERB
fsr-3390	283	9	with	with	ADP
fsr-3390	283	10	the	the	DET
fsr-3390	283	11	data	datum	NOUN
fsr-3390	283	12	and	and	CCONJ
fsr-3390	283	13	research	research	NOUN
fsr-3390	283	14	methodology	methodology	NOUN
fsr-3390	283	15	do	do	AUX
fsr-3390	283	16	exist	exist	VERB
fsr-3390	283	17	in	in	ADP
fsr-3390	283	18	this	this	DET
fsr-3390	283	19	study	study	NOUN
fsr-3390	283	20	.	.	PUNCT
fsr-3390	284	1	as	as	SCONJ
fsr-3390	284	2	noted	note	VERB
fsr-3390	284	3	earlier	early	ADV
fsr-3390	284	4	,	,	PUNCT
fsr-3390	284	5	the	the	DET
fsr-3390	284	6	sample	sample	NOUN
fsr-3390	284	7	was	be	AUX
fsr-3390	284	8	not	not	PART
fsr-3390	284	9	designed	design	VERB
fsr-3390	284	10	to	to	PART
fsr-3390	284	11	be	be	AUX
fsr-3390	284	12	nationally	nationally	ADV
fsr-3390	284	13	representative	representative	ADJ
fsr-3390	284	14	,	,	PUNCT
fsr-3390	284	15	hence	hence	ADV
fsr-3390	284	16	findings	finding	VERB
fsr-3390	284	17	from	from	ADP
fsr-3390	284	18	the	the	DET
fsr-3390	284	19	study	study	NOUN
fsr-3390	284	20	should	should	AUX
fsr-3390	284	21	not	not	PART
fsr-3390	284	22	be	be	AUX
fsr-3390	284	23	applied	apply	VERB
fsr-3390	284	24	nationally	nationally	ADV
fsr-3390	284	25	across	across	ADP
fsr-3390	284	26	the	the	DET
fsr-3390	284	27	population	population	NOUN
fsr-3390	284	28	.	.	PUNCT
fsr-3390	285	1	in	in	ADP
fsr-3390	285	2	many	many	ADJ
fsr-3390	285	3	respects	respect	NOUN
fsr-3390	285	4	,	,	PUNCT
fsr-3390	285	5	the	the	DET
fsr-3390	285	6	use	use	NOUN
fsr-3390	285	7	of	of	ADP
fsr-3390	285	8	mturk	mturk	PROPN
fsr-3390	285	9	samples	sample	NOUN
fsr-3390	285	10	,	,	PUNCT
fsr-3390	285	11	even	even	ADV
fsr-3390	285	12	if	if	SCONJ
fsr-3390	285	13	precisely	precisely	ADV
fsr-3390	285	14	developed	develop	VERB
fsr-3390	285	15	,	,	PUNCT
fsr-3390	285	16	does	do	AUX
fsr-3390	285	17	introduce	introduce	VERB
fsr-3390	285	18	a	a	DET
fsr-3390	285	19	degree	degree	NOUN
fsr-3390	285	20	of	of	ADP
fsr-3390	285	21	sample	sample	NOUN
fsr-3390	285	22	selection	selection	NOUN
fsr-3390	285	23	bias	bias	NOUN
fsr-3390	285	24	.	.	PUNCT
fsr-3390	286	1	while	while	SCONJ
fsr-3390	286	2	steps	step	NOUN
fsr-3390	286	3	were	be	AUX
fsr-3390	286	4	taken	take	VERB
fsr-3390	286	5	to	to	PART
fsr-3390	286	6	limit	limit	VERB
fsr-3390	286	7	participation	participation	NOUN
fsr-3390	286	8	to	to	ADP
fsr-3390	286	9	those	those	PRON
fsr-3390	286	10	who	who	PRON
fsr-3390	286	11	had	have	VERB
fsr-3390	286	12	investable	investable	ADJ
fsr-3390	286	13	assets	asset	NOUN
fsr-3390	286	14	,	,	PUNCT
fsr-3390	286	15	basic	basic	ADJ
fsr-3390	286	16	financial	financial	ADJ
fsr-3390	286	17	knowledge	knowledge	NOUN
fsr-3390	286	18	,	,	PUNCT
fsr-3390	286	19	and	and	CCONJ
fsr-3390	286	20	the	the	DET
fsr-3390	286	21	financial	financial	ADJ
fsr-3390	286	22	capacity	capacity	NOUN
fsr-3390	286	23	to	to	PART
fsr-3390	286	24	pay	pay	VERB
fsr-3390	286	25	for	for	ADP
fsr-3390	286	26	financial	financial	ADJ
fsr-3390	286	27	advice	advice	NOUN
fsr-3390	286	28	,	,	PUNCT
fsr-3390	286	29	it	it	PRON
fsr-3390	286	30	is	be	AUX
fsr-3390	286	31	possible	possible	ADJ
fsr-3390	286	32	that	that	SCONJ
fsr-3390	286	33	the	the	DET
fsr-3390	286	34	final	final	ADJ
fsr-3390	286	35	sample	sample	NOUN
fsr-3390	286	36	was	be	AUX
fsr-3390	286	37	biased	bias	VERB
fsr-3390	286	38	in	in	ADP
fsr-3390	286	39	unknown	unknown	ADJ
fsr-3390	286	40	ways	way	NOUN
fsr-3390	286	41	.	.	PUNCT
fsr-3390	287	1	as	as	ADP
fsr-3390	287	2	such	such	ADJ
fsr-3390	287	3	,	,	PUNCT
fsr-3390	287	4	it	it	PRON
fsr-3390	287	5	is	be	AUX
fsr-3390	287	6	important	important	ADJ
fsr-3390	287	7	to	to	PART
fsr-3390	287	8	note	note	VERB
fsr-3390	287	9	that	that	SCONJ
fsr-3390	287	10	the	the	DET
fsr-3390	287	11	sample	sample	NOUN
fsr-3390	287	12	and	and	CCONJ
fsr-3390	287	13	results	result	NOUN
fsr-3390	287	14	describe	describe	VERB
fsr-3390	287	15	the	the	DET
fsr-3390	287	16	help	help	NOUN
fsr-3390	287	17	-	-	PUNCT
fsr-3390	287	18	seeking	seek	VERB
fsr-3390	287	19	behaviors	behavior	NOUN
fsr-3390	287	20	of	of	ADP
fsr-3390	287	21	relatively	relatively	ADV
fsr-3390	287	22	affluent	affluent	ADJ
fsr-3390	287	23	consumers	consumer	NOUN
fsr-3390	287	24	.	.	PUNCT
fsr-3390	288	1	the	the	DET
fsr-3390	288	2	issue	issue	NOUN
fsr-3390	288	3	of	of	ADP
fsr-3390	288	4	endogeneity	endogeneity	NOUN
fsr-3390	288	5	and	and	CCONJ
fsr-3390	288	6	dual	dual	ADJ
fsr-3390	288	7	causality	causality	NOUN
fsr-3390	288	8	is	be	AUX
fsr-3390	288	9	something	something	PRON
fsr-3390	288	10	new	new	ADJ
fsr-3390	288	11	help	help	NOUN
fsr-3390	288	12	-	-	PUNCT
fsr-3390	288	13	seeking	seek	VERB
fsr-3390	288	14	studies	study	NOUN
fsr-3390	288	15	should	should	AUX
fsr-3390	288	16	explore	explore	VERB
fsr-3390	288	17	.	.	PUNCT
fsr-3390	289	1	it	it	PRON
fsr-3390	289	2	is	be	AUX
fsr-3390	289	3	possible	possible	ADJ
fsr-3390	289	4	,	,	PUNCT
fsr-3390	289	5	although	although	SCONJ
fsr-3390	289	6	not	not	PART
fsr-3390	289	7	likely	likely	ADJ
fsr-3390	289	8	,	,	PUNCT
fsr-3390	289	9	that	that	SCONJ
fsr-3390	289	10	the	the	DET
fsr-3390	289	11	income	income	NOUN
fsr-3390	289	12	and	and	CCONJ
fsr-3390	289	13	net	net	ADJ
fsr-3390	289	14	worth	worth	ADJ
fsr-3390	289	15	results	result	NOUN
fsr-3390	289	16	found	find	VERB
fsr-3390	289	17	in	in	ADP
fsr-3390	289	18	this	this	DET
fsr-3390	289	19	study	study	NOUN
fsr-3390	289	20	may	may	AUX
fsr-3390	289	21	have	have	AUX
fsr-3390	289	22	been	be	AUX
fsr-3390	289	23	influenced	influence	VERB
fsr-3390	289	24	through	through	ADP
fsr-3390	289	25	the	the	DET
fsr-3390	289	26	use	use	NOUN
fsr-3390	289	27	of	of	ADP
fsr-3390	289	28	financial	financial	ADJ
fsr-3390	289	29	planning	planning	NOUN
fsr-3390	289	30	services	service	NOUN
fsr-3390	289	31	.	.	PUNCT
fsr-3390	290	1	specifically	specifically	ADV
fsr-3390	290	2	,	,	PUNCT
fsr-3390	290	3	186	186	NUM
fsr-3390	290	4	m.	m.	NOUN
fsr-3390	290	5	fulk	fulk	PROPN
fsr-3390	290	6	et	et	PROPN
fsr-3390	290	7	al	al	PROPN
fsr-3390	290	8	.	.	PUNCT
fsr-3390	290	9	/	/	SYM
fsr-3390	290	10	financial	financial	ADJ
fsr-3390	290	11	services	service	NOUN
fsr-3390	290	12	review	review	VERB
fsr-3390	290	13	27	27	NUM
fsr-3390	290	14	(	(	PUNCT
fsr-3390	290	15	2018	2018	NUM
fsr-3390	290	16	)	)	PUNCT
fsr-3390	290	17	173	173	NUM
fsr-3390	290	18	-	-	SYM
fsr-3390	290	19	188	188	NUM
fsr-3390	290	20	some	some	PRON
fsr-3390	290	21	may	may	AUX
fsr-3390	290	22	argue	argue	VERB
fsr-3390	290	23	that	that	SCONJ
fsr-3390	290	24	income	income	NOUN
fsr-3390	290	25	and	and	CCONJ
fsr-3390	290	26	net	net	ADJ
fsr-3390	290	27	worth	worth	NOUN
fsr-3390	290	28	were	be	AUX
fsr-3390	290	29	higher	high	ADJ
fsr-3390	290	30	among	among	ADP
fsr-3390	290	31	participants	participant	NOUN
fsr-3390	290	32	who	who	PRON
fsr-3390	290	33	used	use	VERB
fsr-3390	290	34	a	a	DET
fsr-3390	290	35	traditional	traditional	ADJ
fsr-3390	290	36	financial	financial	ADJ
fsr-3390	290	37	planner	planner	NOUN
fsr-3390	290	38	because	because	SCONJ
fsr-3390	290	39	the	the	DET
fsr-3390	290	40	advice	advice	NOUN
fsr-3390	290	41	received	receive	VERB
fsr-3390	290	42	from	from	ADP
fsr-3390	290	43	a	a	DET
fsr-3390	290	44	financial	financial	ADJ
fsr-3390	290	45	planner	planner	NOUN
fsr-3390	290	46	lead	lead	NOUN
fsr-3390	290	47	to	to	ADP
fsr-3390	290	48	income	income	NOUN
fsr-3390	290	49	and	and	CCONJ
fsr-3390	290	50	wealth	wealth	NOUN
fsr-3390	290	51	gains	gain	NOUN
fsr-3390	290	52	.	.	PUNCT
fsr-3390	291	1	this	this	PRON
fsr-3390	291	2	is	be	AUX
fsr-3390	291	3	certainly	certainly	ADV
fsr-3390	291	4	a	a	DET
fsr-3390	291	5	possibility	possibility	NOUN
fsr-3390	291	6	but	but	CCONJ
fsr-3390	291	7	one	one	NUM
fsr-3390	291	8	that	that	PRON
fsr-3390	291	9	may	may	AUX
fsr-3390	291	10	not	not	PART
fsr-3390	291	11	hold	hold	VERB
fsr-3390	291	12	true	true	ADJ
fsr-3390	291	13	when	when	SCONJ
fsr-3390	291	14	tested	test	VERB
fsr-3390	291	15	.	.	PUNCT
fsr-3390	292	1	for	for	ADP
fsr-3390	292	2	example	example	NOUN
fsr-3390	292	3	,	,	PUNCT
fsr-3390	292	4	financial	financial	ADJ
fsr-3390	292	5	planning	planning	NOUN
fsr-3390	292	6	,	,	PUNCT
fsr-3390	292	7	as	as	ADP
fsr-3390	292	8	a	a	DET
fsr-3390	292	9	profession	profession	NOUN
fsr-3390	292	10	,	,	PUNCT
fsr-3390	292	11	is	be	AUX
fsr-3390	292	12	plagued	plague	VERB
fsr-3390	292	13	by	by	ADP
fsr-3390	292	14	a	a	DET
fsr-3390	292	15	high	high	ADJ
fsr-3390	292	16	asset	asset	NOUN
fsr-3390	292	17	minimums	minimum	NOUN
fsr-3390	292	18	and	and	CCONJ
fsr-3390	292	19	relatively	relatively	ADV
fsr-3390	292	20	high	high	ADJ
fsr-3390	292	21	planning	planning	NOUN
fsr-3390	292	22	costs	cost	NOUN
fsr-3390	292	23	,	,	PUNCT
fsr-3390	292	24	even	even	ADV
fsr-3390	292	25	among	among	ADP
fsr-3390	292	26	those	those	PRON
fsr-3390	292	27	who	who	PRON
fsr-3390	292	28	provide	provide	VERB
fsr-3390	292	29	services	service	NOUN
fsr-3390	292	30	by	by	ADP
fsr-3390	292	31	the	the	DET
fsr-3390	292	32	hour	hour	NOUN
fsr-3390	292	33	.	.	PUNCT
fsr-3390	293	1	sadly	sadly	ADV
fsr-3390	293	2	,	,	PUNCT
fsr-3390	293	3	it	it	PRON
fsr-3390	293	4	takes	take	VERB
fsr-3390	293	5	existing	exist	VERB
fsr-3390	293	6	financial	financial	ADJ
fsr-3390	293	7	capacity	capacity	NOUN
fsr-3390	293	8	to	to	PART
fsr-3390	293	9	pay	pay	VERB
fsr-3390	293	10	for	for	ADP
fsr-3390	293	11	financial	financial	ADJ
fsr-3390	293	12	planning	planning	NOUN
fsr-3390	293	13	services	service	NOUN
fsr-3390	293	14	,	,	PUNCT
fsr-3390	293	15	which	which	PRON
fsr-3390	293	16	makes	make	VERB
fsr-3390	293	17	it	it	PRON
fsr-3390	293	18	likely	likely	ADJ
fsr-3390	293	19	that	that	SCONJ
fsr-3390	293	20	the	the	DET
fsr-3390	293	21	profile	profile	NOUN
fsr-3390	293	22	of	of	ADP
fsr-3390	293	23	those	those	PRON
fsr-3390	293	24	who	who	PRON
fsr-3390	293	25	use	use	VERB
fsr-3390	293	26	traditional	traditional	ADJ
fsr-3390	293	27	financial	financial	ADJ
fsr-3390	293	28	planning	planning	NOUN
fsr-3390	293	29	services	service	NOUN
fsr-3390	293	30	,	,	PUNCT
fsr-3390	293	31	as	as	SCONJ
fsr-3390	293	32	described	describe	VERB
fsr-3390	293	33	in	in	ADP
fsr-3390	293	34	this	this	DET
fsr-3390	293	35	paper	paper	NOUN
fsr-3390	293	36	,	,	PUNCT
fsr-3390	293	37	must	must	AUX
fsr-3390	293	38	exist	exist	VERB
fsr-3390	293	39	before	before	ADP
fsr-3390	293	40	a	a	DET
fsr-3390	293	41	financial	financial	ADJ
fsr-3390	293	42	planning	planning	NOUN
fsr-3390	293	43	engagement	engagement	NOUN
fsr-3390	293	44	.	.	PUNCT
fsr-3390	294	1	the	the	DET
fsr-3390	294	2	issue	issue	NOUN
fsr-3390	294	3	of	of	ADP
fsr-3390	294	4	dual	dual	ADJ
fsr-3390	294	5	causality	causality	NOUN
fsr-3390	294	6	may	may	AUX
fsr-3390	294	7	be	be	AUX
fsr-3390	294	8	more	more	ADV
fsr-3390	294	9	likely	likely	ADJ
fsr-3390	294	10	in	in	ADP
fsr-3390	294	11	relation	relation	NOUN
fsr-3390	294	12	to	to	ADP
fsr-3390	294	13	attitudinal	attitudinal	ADJ
fsr-3390	294	14	and	and	CCONJ
fsr-3390	294	15	behavioral	behavioral	ADJ
fsr-3390	294	16	characteristics	characteristic	NOUN
fsr-3390	294	17	.	.	PUNCT
fsr-3390	295	1	knowledge	knowledge	NOUN
fsr-3390	295	2	,	,	PUNCT
fsr-3390	295	3	disappointment	disappointment	NOUN
fsr-3390	295	4	,	,	PUNCT
fsr-3390	295	5	regret	regret	NOUN
fsr-3390	295	6	,	,	PUNCT
fsr-3390	295	7	impulsivity	impulsivity	NOUN
fsr-3390	295	8	,	,	PUNCT
fsr-3390	295	9	and	and	CCONJ
fsr-3390	295	10	other	other	ADJ
fsr-3390	295	11	characteristics	characteristic	NOUN
fsr-3390	295	12	may	may	AUX
fsr-3390	295	13	be	be	AUX
fsr-3390	295	14	influenced	influence	VERB
fsr-3390	295	15	by	by	ADP
fsr-3390	295	16	the	the	DET
fsr-3390	295	17	type	type	NOUN
fsr-3390	295	18	of	of	ADP
fsr-3390	295	19	service	service	NOUN
fsr-3390	295	20	a	a	DET
fsr-3390	295	21	help	help	NOUN
fsr-3390	295	22	-	-	PUNCT
fsr-3390	295	23	seeker	seeker	NOUN
fsr-3390	295	24	obtains	obtain	VERB
fsr-3390	295	25	.	.	PUNCT
fsr-3390	296	1	results	result	NOUN
fsr-3390	296	2	from	from	ADP
fsr-3390	296	3	the	the	DET
fsr-3390	296	4	current	current	ADJ
fsr-3390	296	5	study	study	NOUN
fsr-3390	296	6	can	can	AUX
fsr-3390	296	7	only	only	ADV
fsr-3390	296	8	be	be	AUX
fsr-3390	296	9	used	use	VERB
fsr-3390	296	10	to	to	PART
fsr-3390	296	11	say	say	VERB
fsr-3390	296	12	that	that	SCONJ
fsr-3390	296	13	those	those	PRON
fsr-3390	296	14	who	who	PRON
fsr-3390	296	15	currently	currently	ADV
fsr-3390	296	16	use	use	VERB
fsr-3390	296	17	or	or	CCONJ
fsr-3390	296	18	plan	plan	VERB
fsr-3390	296	19	to	to	PART
fsr-3390	296	20	use	use	VERB
fsr-3390	296	21	a	a	DET
fsr-3390	296	22	service	service	NOUN
fsr-3390	296	23	share	share	NOUN
fsr-3390	296	24	a	a	DET
fsr-3390	296	25	particular	particular	ADJ
fsr-3390	296	26	profile	profile	NOUN
fsr-3390	296	27	.	.	PUNCT
fsr-3390	297	1	it	it	PRON
fsr-3390	297	2	is	be	AUX
fsr-3390	297	3	also	also	ADV
fsr-3390	297	4	worth	worth	ADJ
fsr-3390	297	5	noting	note	VERB
fsr-3390	297	6	that	that	SCONJ
fsr-3390	297	7	the	the	DET
fsr-3390	297	8	growth	growth	NOUN
fsr-3390	297	9	in	in	ADP
fsr-3390	297	10	robo	robo	NOUN
fsr-3390	297	11	-	-	PUNCT
fsr-3390	297	12	advisory	advisory	ADJ
fsr-3390	297	13	services	service	NOUN
fsr-3390	297	14	may	may	AUX
fsr-3390	297	15	just	just	ADV
fsr-3390	297	16	be	be	AUX
fsr-3390	297	17	the	the	DET
fsr-3390	297	18	result	result	NOUN
fsr-3390	297	19	of	of	ADP
fsr-3390	297	20	access	access	NOUN
fsr-3390	297	21	issues	issue	NOUN
fsr-3390	297	22	.	.	PUNCT
fsr-3390	298	1	given	give	VERB
fsr-3390	298	2	the	the	DET
fsr-3390	298	3	demand	demand	NOUN
fsr-3390	298	4	for	for	ADP
fsr-3390	298	5	financial	financial	ADJ
fsr-3390	298	6	planning	planning	NOUN
fsr-3390	298	7	services	service	NOUN
fsr-3390	298	8	and	and	CCONJ
fsr-3390	298	9	the	the	DET
fsr-3390	298	10	limited	limited	ADJ
fsr-3390	298	11	supply	supply	NOUN
fsr-3390	298	12	of	of	ADP
fsr-3390	298	13	traditional	traditional	ADJ
fsr-3390	298	14	financial	financial	ADJ
fsr-3390	298	15	planners	planner	NOUN
fsr-3390	298	16	,	,	PUNCT
fsr-3390	298	17	consumers	consumer	NOUN
fsr-3390	298	18	with	with	ADP
fsr-3390	298	19	limited	limited	ADJ
fsr-3390	298	20	resources	resource	NOUN
fsr-3390	298	21	may	may	AUX
fsr-3390	298	22	,	,	PUNCT
fsr-3390	298	23	by	by	ADP
fsr-3390	298	24	default	default	NOUN
fsr-3390	298	25	,	,	PUNCT
fsr-3390	298	26	be	be	AUX
fsr-3390	298	27	pushed	push	VERB
fsr-3390	298	28	toward	toward	ADP
fsr-3390	298	29	the	the	DET
fsr-3390	298	30	use	use	NOUN
fsr-3390	298	31	of	of	ADP
fsr-3390	298	32	robo	robo	NOUN
fsr-3390	298	33	-	-	PUNCT
fsr-3390	298	34	advisory	advisory	ADJ
fsr-3390	298	35	services	service	NOUN
fsr-3390	298	36	,	,	PUNCT
fsr-3390	298	37	even	even	ADV
fsr-3390	298	38	if	if	SCONJ
fsr-3390	298	39	a	a	DET
fsr-3390	298	40	personal	personal	ADJ
fsr-3390	298	41	relationship	relationship	NOUN
fsr-3390	298	42	is	be	AUX
fsr-3390	298	43	desired	desire	VERB
fsr-3390	298	44	.	.	PUNCT
fsr-3390	299	1	the	the	DET
fsr-3390	299	2	tracking	tracking	NOUN
fsr-3390	299	3	of	of	ADP
fsr-3390	299	4	consumers	consumer	NOUN
fsr-3390	299	5	over	over	ADP
fsr-3390	299	6	time	time	NOUN
fsr-3390	299	7	,	,	PUNCT
fsr-3390	299	8	either	either	CCONJ
fsr-3390	299	9	through	through	ADP
fsr-3390	299	10	longitudinal	longitudinal	ADJ
fsr-3390	299	11	or	or	CCONJ
fsr-3390	299	12	panel	panel	NOUN
fsr-3390	299	13	study	study	NOUN
fsr-3390	299	14	,	,	PUNCT
fsr-3390	299	15	would	would	AUX
fsr-3390	299	16	be	be	AUX
fsr-3390	299	17	very	very	ADV
fsr-3390	299	18	helpful	helpful	ADJ
fsr-3390	299	19	in	in	ADP
fsr-3390	299	20	identifying	identify	VERB
fsr-3390	299	21	help	help	NOUN
fsr-3390	299	22	-	-	PUNCT
fsr-3390	299	23	seeking	seek	VERB
fsr-3390	299	24	trends	trend	NOUN
fsr-3390	299	25	.	.	PUNCT
fsr-3390	300	1	it	it	PRON
fsr-3390	300	2	is	be	AUX
fsr-3390	300	3	possible	possible	ADJ
fsr-3390	300	4	that	that	SCONJ
fsr-3390	300	5	as	as	SCONJ
fsr-3390	300	6	a	a	DET
fsr-3390	300	7	consumer	consumer	NOUN
fsr-3390	300	8	’s	’s	PART
fsr-3390	300	9	financial	financial	ADJ
fsr-3390	300	10	situation	situation	NOUN
fsr-3390	300	11	improves	improve	VERB
fsr-3390	300	12	,	,	PUNCT
fsr-3390	300	13	access	access	NOUN
fsr-3390	300	14	to	to	ADP
fsr-3390	300	15	person	person	NOUN
fsr-3390	300	16	-	-	PUNCT
fsr-3390	300	17	to	to	ADP
fsr-3390	300	18	-	-	PUNCT
fsr-3390	300	19	person	person	NOUN
fsr-3390	300	20	financial	financial	ADJ
fsr-3390	300	21	planning	planning	NOUN
fsr-3390	300	22	will	will	AUX
fsr-3390	300	23	become	become	VERB
fsr-3390	300	24	more	more	ADV
fsr-3390	300	25	feasible	feasible	ADJ
fsr-3390	300	26	,	,	PUNCT
fsr-3390	300	27	primarily	primarily	ADV
fsr-3390	300	28	because	because	SCONJ
fsr-3390	300	29	the	the	DET
fsr-3390	300	30	consumer	consumer	NOUN
fsr-3390	300	31	will	will	AUX
fsr-3390	300	32	be	be	AUX
fsr-3390	300	33	in	in	ADP
fsr-3390	300	34	a	a	DET
fsr-3390	300	35	position	position	NOUN
fsr-3390	300	36	to	to	PART
fsr-3390	300	37	pay	pay	VERB
fsr-3390	300	38	for	for	ADP
fsr-3390	300	39	services	service	NOUN
fsr-3390	300	40	.	.	PUNCT
fsr-3390	301	1	a	a	DET
fsr-3390	301	2	personal	personal	ADJ
fsr-3390	301	3	relationship	relationship	NOUN
fsr-3390	301	4	may	may	AUX
fsr-3390	301	5	also	also	ADV
fsr-3390	301	6	become	become	VERB
fsr-3390	301	7	a	a	DET
fsr-3390	301	8	more	more	ADV
fsr-3390	301	9	valued	value	VERB
fsr-3390	301	10	attribute	attribute	NOUN
fsr-3390	301	11	associated	associate	VERB
fsr-3390	301	12	with	with	ADP
fsr-3390	301	13	good	good	ADJ
fsr-3390	301	14	service	service	NOUN
fsr-3390	301	15	for	for	ADP
fsr-3390	301	16	millennials	millennial	NOUN
fsr-3390	301	17	and	and	CCONJ
fsr-3390	301	18	others	other	NOUN
fsr-3390	301	19	in	in	ADP
fsr-3390	301	20	the	the	DET
fsr-3390	301	21	future	future	NOUN
fsr-3390	301	22	.	.	PUNCT
fsr-3390	302	1	of	of	ADP
fsr-3390	302	2	course	course	ADV
fsr-3390	302	3	,	,	PUNCT
fsr-3390	302	4	both	both	DET
fsr-3390	302	5	arguments	argument	NOUN
fsr-3390	302	6	are	be	AUX
fsr-3390	302	7	conjecture	conjecture	ADJ
fsr-3390	302	8	at	at	ADP
fsr-3390	302	9	this	this	DET
fsr-3390	302	10	point	point	NOUN
fsr-3390	302	11	.	.	PUNCT
fsr-3390	303	1	what	what	PRON
fsr-3390	303	2	is	be	AUX
fsr-3390	303	3	needed	need	VERB
fsr-3390	303	4	is	be	AUX
fsr-3390	303	5	further	further	ADJ
fsr-3390	303	6	research	research	NOUN
fsr-3390	303	7	on	on	ADP
fsr-3390	303	8	the	the	DET
fsr-3390	303	9	dynamics	dynamic	NOUN
fsr-3390	303	10	of	of	ADP
fsr-3390	303	11	help	help	NOUN
fsr-3390	303	12	-	-	PUNCT
fsr-3390	303	13	seeking	seek	VERB
fsr-3390	303	14	in	in	ADP
fsr-3390	303	15	the	the	DET
fsr-3390	303	16	financial	financial	ADJ
fsr-3390	303	17	planning	planning	NOUN
fsr-3390	303	18	marketplace	marketplace	NOUN
fsr-3390	303	19	.	.	PUNCT
fsr-3390	304	1	one	one	NUM
fsr-3390	304	2	way	way	NOUN
fsr-3390	304	3	to	to	PART
fsr-3390	304	4	do	do	VERB
fsr-3390	304	5	this	this	PRON
fsr-3390	304	6	is	be	AUX
fsr-3390	304	7	through	through	ADP
fsr-3390	304	8	a	a	DET
fsr-3390	304	9	longitudinal	longitudinal	ADJ
fsr-3390	304	10	study	study	NOUN
fsr-3390	304	11	of	of	ADP
fsr-3390	304	12	consumer	consumer	NOUN
fsr-3390	304	13	preferences	preference	NOUN
fsr-3390	304	14	,	,	PUNCT
fsr-3390	304	15	attitudes	attitude	NOUN
fsr-3390	304	16	,	,	PUNCT
fsr-3390	304	17	and	and	CCONJ
fsr-3390	304	18	behaviors	behavior	NOUN
fsr-3390	304	19	in	in	ADP
fsr-3390	304	20	relation	relation	NOUN
fsr-3390	304	21	to	to	PART
fsr-3390	304	22	help	help	AUX
fsr-3390	304	23	-	-	PUNCT
fsr-3390	304	24	seeking	seek	VERB
fsr-3390	304	25	behavior	behavior	NOUN
fsr-3390	304	26	.	.	PUNCT
fsr-3390	305	1	it	it	PRON
fsr-3390	305	2	behooves	behoove	VERB
fsr-3390	305	3	financial	financial	ADJ
fsr-3390	305	4	planning	planning	NOUN
fsr-3390	305	5	practitioners	practitioner	NOUN
fsr-3390	305	6	,	,	PUNCT
fsr-3390	305	7	policymakers	policymaker	NOUN
fsr-3390	305	8	,	,	PUNCT
fsr-3390	305	9	and	and	CCONJ
fsr-3390	305	10	regulators	regulator	NOUN
fsr-3390	305	11	to	to	PART
fsr-3390	305	12	better	well	ADV
fsr-3390	305	13	understand	understand	VERB
fsr-3390	305	14	the	the	DET
fsr-3390	305	15	attitudes	attitude	NOUN
fsr-3390	305	16	and	and	CCONJ
fsr-3390	305	17	preferences	preference	NOUN
fsr-3390	305	18	of	of	ADP
fsr-3390	305	19	consumers	consumer	NOUN
fsr-3390	305	20	in	in	ADP
fsr-3390	305	21	light	light	NOUN
fsr-3390	305	22	of	of	ADP
fsr-3390	305	23	technological	technological	ADJ
fsr-3390	305	24	changes	change	NOUN
fsr-3390	305	25	.	.	PUNCT
fsr-3390	306	1	without	without	ADP
fsr-3390	306	2	additional	additional	ADJ
fsr-3390	306	3	data	datum	NOUN
fsr-3390	306	4	and	and	CCONJ
fsr-3390	306	5	empirical	empirical	ADJ
fsr-3390	306	6	work	work	NOUN
fsr-3390	306	7	,	,	PUNCT
fsr-3390	306	8	the	the	DET
fsr-3390	306	9	financial	financial	ADJ
fsr-3390	306	10	planning	planning	NOUN
fsr-3390	306	11	profession	profession	NOUN
fsr-3390	306	12	may	may	AUX
fsr-3390	306	13	find	find	VERB
fsr-3390	306	14	the	the	DET
fsr-3390	306	15	professional	professional	ADJ
fsr-3390	306	16	services	service	NOUN
fsr-3390	306	17	(	(	PUNCT
fsr-3390	306	18	and	and	CCONJ
fsr-3390	306	19	potential	potential	ADJ
fsr-3390	306	20	consumers	consumer	NOUN
fsr-3390	306	21	of	of	ADP
fsr-3390	306	22	such	such	ADJ
fsr-3390	306	23	services	service	NOUN
fsr-3390	306	24	)	)	PUNCT
fsr-3390	306	25	migrate	migrate	VERB
fsr-3390	306	26	to	to	ADP
fsr-3390	306	27	other	other	ADJ
fsr-3390	306	28	platforms	platform	NOUN
fsr-3390	306	29	as	as	SCONJ
fsr-3390	306	30	new	new	ADJ
fsr-3390	306	31	viable	viable	ADJ
fsr-3390	306	32	practice	practice	NOUN
fsr-3390	306	33	models	model	NOUN
fsr-3390	306	34	begin	begin	VERB
fsr-3390	306	35	to	to	PART
fsr-3390	306	36	emerge	emerge	VERB
fsr-3390	306	37	in	in	ADP
fsr-3390	306	38	the	the	DET
fsr-3390	306	39	future	future	NOUN
fsr-3390	306	40	.	.	PUNCT
fsr-3390	307	1	acknowledgments	acknowledgment	NOUN
fsr-3390	307	2	the	the	DET
fsr-3390	307	3	authors	author	NOUN
fsr-3390	307	4	wish	wish	VERB
fsr-3390	307	5	to	to	PART
fsr-3390	307	6	thank	thank	VERB
fsr-3390	307	7	dr	dr	PROPN
fsr-3390	307	8	.	.	PROPN
fsr-3390	307	9	sarah	sarah	PROPN
fsr-3390	307	10	fallaw	fallaw	PROPN
fsr-3390	307	11	for	for	ADP
fsr-3390	307	12	her	her	PRON
fsr-3390	307	13	assistance	assistance	NOUN
fsr-3390	307	14	in	in	ADP
fsr-3390	307	15	collecting	collect	VERB
fsr-3390	307	16	data	datum	NOUN
fsr-3390	307	17	and	and	CCONJ
fsr-3390	307	18	providing	provide	VERB
fsr-3390	307	19	valuable	valuable	ADJ
fsr-3390	307	20	feedback	feedback	NOUN
fsr-3390	307	21	regarding	regard	VERB
fsr-3390	307	22	this	this	DET
fsr-3390	307	23	manuscript	manuscript	NOUN
fsr-3390	307	24	.	.	PUNCT
fsr-3390	308	1	references	reference	NOUN
fsr-3390	308	2	auslander	auslander	PROPN
fsr-3390	308	3	,	,	PUNCT
fsr-3390	308	4	g.	g.	PROPN
fsr-3390	308	5	k.	k.	PROPN
fsr-3390	308	6	,	,	PUNCT
fsr-3390	308	7	&	&	CCONJ
fsr-3390	308	8	litwin	litwin	PROPN
fsr-3390	308	9	,	,	PUNCT
fsr-3390	308	10	h.	h.	PROPN
fsr-3390	308	11	(	(	PUNCT
fsr-3390	308	12	1990	1990	NUM
fsr-3390	308	13	)	)	PUNCT
fsr-3390	308	14	.	.	PUNCT
fsr-3390	309	1	social	social	ADJ
fsr-3390	309	2	support	support	NOUN
fsr-3390	309	3	networks	network	NOUN
fsr-3390	309	4	and	and	CCONJ
fsr-3390	309	5	formal	formal	ADJ
fsr-3390	309	6	help	help	NOUN
fsr-3390	309	7	-	-	PUNCT
fsr-3390	309	8	seeking	seeking	NOUN
fsr-3390	309	9	:	:	PUNCT
fsr-3390	309	10	differences	difference	NOUN
fsr-3390	309	11	between	between	ADP
fsr-3390	309	12	applicants	applicant	NOUN
fsr-3390	309	13	to	to	ADP
fsr-3390	309	14	social	social	ADJ
fsr-3390	309	15	services	service	NOUN
fsr-3390	309	16	and	and	CCONJ
fsr-3390	309	17	a	a	DET
fsr-3390	309	18	non	non	ADJ
fsr-3390	309	19	-	-	ADJ
fsr-3390	309	20	applicant	applicant	ADJ
fsr-3390	309	21	sample	sample	NOUN
fsr-3390	309	22	.	.	PUNCT
fsr-3390	310	1	journal	journal	PROPN
fsr-3390	310	2	of	of	ADP
fsr-3390	310	3	gerontology	gerontology	NOUN
fsr-3390	310	4	,	,	PUNCT
fsr-3390	310	5	45	45	NUM
fsr-3390	310	6	,	,	PUNCT
fsr-3390	310	7	112–119	112–119	NUM
fsr-3390	310	8	.	.	PUNCT
fsr-3390	311	1	berger	berger	PROPN
fsr-3390	311	2	,	,	PUNCT
fsr-3390	311	3	r.	r.	PROPN
fsr-3390	311	4	(	(	PUNCT
fsr-3390	311	5	2015	2015	NUM
fsr-3390	311	6	,	,	PUNCT
fsr-3390	311	7	february	february	PROPN
fsr-3390	311	8	5	5	NUM
fsr-3390	311	9	)	)	PUNCT
fsr-3390	311	10	.	.	PUNCT
fsr-3390	312	1	7	7	NUM
fsr-3390	312	2	robo	robo	NOUN
fsr-3390	312	3	-	-	PUNCT
fsr-3390	312	4	advisors	advisor	NOUN
fsr-3390	312	5	that	that	PRON
fsr-3390	312	6	make	make	VERB
fsr-3390	312	7	investing	investing	NOUN
fsr-3390	312	8	effortless	effortless	ADJ
fsr-3390	312	9	.	.	PUNCT
fsr-3390	313	1	forbes	forbes	PROPN
fsr-3390	313	2	.	.	PUNCT
fsr-3390	314	1	(	(	PUNCT
fsr-3390	314	2	available	available	ADJ
fsr-3390	314	3	at	at	ADP
fsr-3390	314	4	https://www	https://www	PROPN
fsr-3390	314	5	.	.	PUNCT
fsr-3390	314	6	forbes.com/sites/robertberger/2015/02/05/7-robo-advisors-that-make-investing-effortless/#1c81cf9c4ae4	forbes.com/sites/robertberger/2015/02/05/7-robo-advisors-that-make-investing-effortless/#1c81cf9c4ae4	PROPN
fsr-3390	314	7	)	)	PUNCT
fsr-3390	314	8	187	187	NUM
fsr-3390	314	9	m.	m.	NOUN
fsr-3390	314	10	fulk	fulk	PROPN
fsr-3390	314	11	et	et	PROPN
fsr-3390	314	12	al	al	PROPN
fsr-3390	314	13	.	.	PUNCT
fsr-3390	314	14	/	/	SYM
fsr-3390	314	15	financial	financial	ADJ
fsr-3390	314	16	services	service	NOUN
fsr-3390	314	17	review	review	VERB
fsr-3390	314	18	27	27	NUM
fsr-3390	314	19	(	(	PUNCT
fsr-3390	314	20	2018	2018	NUM
fsr-3390	314	21	)	)	PUNCT
fsr-3390	314	22	173	173	NUM
fsr-3390	314	23	-	-	SYM
fsr-3390	314	24	188	188	NUM
fsr-3390	314	25	chatterjee	chatterjee	NOUN
fsr-3390	314	26	,	,	PUNCT
fsr-3390	314	27	s.	s.	PROPN
fsr-3390	314	28	,	,	PUNCT
fsr-3390	314	29	&	&	CCONJ
fsr-3390	314	30	zahirovic	zahirovic	PROPN
fsr-3390	314	31	-	-	PUNCT
fsr-3390	314	32	herbert	herbert	PROPN
fsr-3390	314	33	,	,	PUNCT
fsr-3390	314	34	v.	v.	PROPN
fsr-3390	314	35	(	(	PUNCT
fsr-3390	314	36	2010	2010	NUM
fsr-3390	314	37	)	)	PUNCT
fsr-3390	314	38	.	.	PUNCT
fsr-3390	315	1	retirement	retirement	NOUN
fsr-3390	315	2	planning	planning	NOUN
fsr-3390	315	3	of	of	ADP
fsr-3390	315	4	younger	young	ADJ
fsr-3390	315	5	baby	baby	NOUN
fsr-3390	315	6	-	-	PUNCT
fsr-3390	315	7	boomers	boomer	NOUN
fsr-3390	315	8	:	:	PUNCT
fsr-3390	315	9	who	who	PRON
fsr-3390	315	10	wants	want	VERB
fsr-3390	315	11	financial	financial	ADJ
fsr-3390	315	12	advice	advice	NOUN
fsr-3390	315	13	?	?	PUNCT
fsr-3390	316	1	financial	financial	ADJ
fsr-3390	316	2	decisions	decision	NOUN
fsr-3390	316	3	,	,	PUNCT
fsr-3390	316	4	22	22	NUM
fsr-3390	316	5	,	,	PUNCT
fsr-3390	316	6	1–12	1–12	NOUN
fsr-3390	316	7	.	.	PUNCT
fsr-3390	316	8	cutler	cutler	PROPN
fsr-3390	316	9	,	,	PUNCT
fsr-3390	316	10	n.	n.	PROPN
fsr-3390	316	11	e.	e.	PROPN
fsr-3390	316	12	(	(	PUNCT
fsr-3390	316	13	2015	2015	NUM
fsr-3390	316	14	)	)	PUNCT
fsr-3390	316	15	.	.	PUNCT
fsr-3390	317	1	millennials	millennial	NOUN
fsr-3390	317	2	and	and	CCONJ
fsr-3390	317	3	finance	finance	NOUN
fsr-3390	317	4	:	:	PUNCT
fsr-3390	317	5	the	the	DET
fsr-3390	317	6	‘	'	PUNCT
fsr-3390	317	7	amazon	amazon	NOUN
fsr-3390	317	8	generation	generation	NOUN
fsr-3390	317	9	’	'	PUNCT
fsr-3390	317	10	.	.	PUNCT
fsr-3390	318	1	journal	journal	PROPN
fsr-3390	318	2	of	of	ADP
fsr-3390	318	3	financial	financial	ADJ
fsr-3390	318	4	services	service	NOUN
fsr-3390	318	5	professionals	professional	NOUN
fsr-3390	318	6	,	,	PUNCT
fsr-3390	318	7	69	69	NUM
fsr-3390	318	8	,	,	PUNCT
fsr-3390	318	9	33–39	33–39	NUM
fsr-3390	318	10	.	.	PUNCT
fsr-3390	319	1	elmerick	elmerick	PROPN
fsr-3390	319	2	,	,	PUNCT
fsr-3390	319	3	s.	s.	PROPN
fsr-3390	319	4	a.	a.	PROPN
fsr-3390	319	5	,	,	PUNCT
fsr-3390	319	6	montalto	montalto	PROPN
fsr-3390	319	7	,	,	PUNCT
fsr-3390	319	8	c.	c.	PROPN
fsr-3390	319	9	p.	p.	PROPN
fsr-3390	319	10	,	,	PUNCT
fsr-3390	319	11	&	&	CCONJ
fsr-3390	319	12	fox	fox	PROPN
fsr-3390	319	13	,	,	PUNCT
fsr-3390	319	14	j.	j.	PROPN
fsr-3390	319	15	j.	j.	PROPN
fsr-3390	319	16	(	(	PUNCT
fsr-3390	319	17	2002	2002	NUM
fsr-3390	319	18	)	)	PUNCT
fsr-3390	319	19	.	.	PUNCT
fsr-3390	320	1	use	use	NOUN
fsr-3390	320	2	of	of	ADP
fsr-3390	320	3	financial	financial	ADJ
fsr-3390	320	4	planners	planner	NOUN
fsr-3390	320	5	by	by	ADP
fsr-3390	320	6	u.s	u.s	PROPN
fsr-3390	320	7	.	.	PROPN
fsr-3390	320	8	households	household	NOUN
fsr-3390	320	9	.	.	PUNCT
fsr-3390	321	1	financial	financial	ADJ
fsr-3390	321	2	services	service	NOUN
fsr-3390	321	3	review	review	NOUN
fsr-3390	321	4	,	,	PUNCT
fsr-3390	321	5	11	11	NUM
fsr-3390	321	6	,	,	PUNCT
fsr-3390	321	7	217–231	217–231	NUM
fsr-3390	321	8	.	.	PUNCT
fsr-3390	322	1	fein	fein	PROPN
fsr-3390	322	2	,	,	PUNCT
fsr-3390	322	3	m.	m.	NOUN
fsr-3390	322	4	l.	l.	PROPN
fsr-3390	322	5	(	(	PUNCT
fsr-3390	322	6	2015	2015	NUM
fsr-3390	322	7	)	)	PUNCT
fsr-3390	322	8	.	.	PUNCT
fsr-3390	323	1	robo	robo	NOUN
fsr-3390	323	2	-	-	PUNCT
fsr-3390	323	3	advisors	advisor	NOUN
fsr-3390	323	4	:	:	PUNCT
fsr-3390	323	5	a	a	DET
fsr-3390	323	6	closer	close	ADJ
fsr-3390	323	7	look	look	NOUN
fsr-3390	323	8	.	.	PUNCT
fsr-3390	324	1	ssrn	ssrn	PROPN
fsr-3390	324	2	working	work	VERB
fsr-3390	324	3	paper	paper	NOUN
fsr-3390	324	4	2658701	2658701	NUM
fsr-3390	324	5	.	.	PUNCT
fsr-3390	325	1	(	(	PUNCT
fsr-3390	325	2	available	available	ADJ
fsr-3390	325	3	at	at	ADP
fsr-3390	325	4	from	from	ADP
fsr-3390	325	5	:	:	PUNCT
fsr-3390	325	6	http://ssrn.com/abstract�2658701	http://ssrn.com/abstract�2658701	ADJ
fsr-3390	325	7	)	)	PUNCT
fsr-3390	325	8	finke	finke	PROPN
fsr-3390	325	9	,	,	PUNCT
fsr-3390	325	10	m.	m.	NOUN
fsr-3390	325	11	s.	s.	PROPN
fsr-3390	325	12	,	,	PUNCT
fsr-3390	325	13	huston	huston	PROPN
fsr-3390	325	14	,	,	PUNCT
fsr-3390	325	15	s.	s.	PROPN
fsr-3390	325	16	j.	j.	PROPN
fsr-3390	325	17	,	,	PUNCT
fsr-3390	325	18	&	&	CCONJ
fsr-3390	325	19	winchester	winchester	PROPN
fsr-3390	325	20	,	,	PUNCT
fsr-3390	325	21	d.	d.	PROPN
fsr-3390	325	22	d.	d.	PROPN
fsr-3390	325	23	(	(	PUNCT
fsr-3390	325	24	2011	2011	NUM
fsr-3390	325	25	)	)	PUNCT
fsr-3390	325	26	.	.	PUNCT
fsr-3390	326	1	financial	financial	ADJ
fsr-3390	326	2	advice	advice	NOUN
fsr-3390	326	3	:	:	PUNCT
fsr-3390	326	4	who	who	PRON
fsr-3390	326	5	pays	pay	VERB
fsr-3390	326	6	?	?	PUNCT
fsr-3390	327	1	journal	journal	NOUN
fsr-3390	327	2	of	of	ADP
fsr-3390	327	3	financial	financial	ADJ
fsr-3390	327	4	counseling	counseling	NOUN
fsr-3390	327	5	and	and	CCONJ
fsr-3390	327	6	planning	planning	NOUN
fsr-3390	327	7	,	,	PUNCT
fsr-3390	327	8	22	22	NUM
fsr-3390	327	9	,	,	PUNCT
fsr-3390	327	10	18–26	18–26	NUM
fsr-3390	327	11	.	.	PUNCT
fsr-3390	328	1	fischer	fischer	PROPN
fsr-3390	328	2	,	,	PUNCT
fsr-3390	328	3	e.	e.	PROPN
fsr-3390	328	4	h.	h.	PROPN
fsr-3390	328	5	,	,	PUNCT
fsr-3390	328	6	&	&	CCONJ
fsr-3390	328	7	farina	farina	PROPN
fsr-3390	328	8	,	,	PUNCT
fsr-3390	328	9	a.	a.	NOUN
fsr-3390	328	10	(	(	PUNCT
fsr-3390	328	11	1995	1995	NUM
fsr-3390	328	12	)	)	PUNCT
fsr-3390	328	13	.	.	PUNCT
fsr-3390	329	1	attitudes	attitude	NOUN
fsr-3390	329	2	toward	toward	ADP
fsr-3390	329	3	seeking	seek	VERB
fsr-3390	329	4	professional	professional	ADJ
fsr-3390	329	5	psychological	psychological	ADJ
fsr-3390	329	6	help	help	NOUN
fsr-3390	329	7	:	:	PUNCT
fsr-3390	329	8	a	a	DET
fsr-3390	329	9	shortened	shorten	VERB
fsr-3390	329	10	form	form	NOUN
fsr-3390	329	11	and	and	CCONJ
fsr-3390	329	12	considerations	consideration	NOUN
fsr-3390	329	13	for	for	ADP
fsr-3390	329	14	research	research	NOUN
fsr-3390	329	15	.	.	PUNCT
fsr-3390	330	1	journal	journal	PROPN
fsr-3390	330	2	of	of	ADP
fsr-3390	330	3	college	college	NOUN
fsr-3390	330	4	student	student	NOUN
fsr-3390	330	5	development	development	NOUN
fsr-3390	330	6	,	,	PUNCT
fsr-3390	330	7	36	36	NUM
fsr-3390	330	8	,	,	PUNCT
fsr-3390	330	9	368–373	368–373	NUM
fsr-3390	330	10	.	.	PUNCT
fsr-3390	331	1	gall	gall	NOUN
fsr-3390	331	2	,	,	PUNCT
fsr-3390	331	3	n.-l	n.-l	PROPN
fsr-3390	331	4	.	.	PUNCT
fsr-3390	331	5	,	,	PUNCT
fsr-3390	331	6	kratzer	kratzer	PROPN
fsr-3390	331	7	,	,	PUNCT
fsr-3390	331	8	l.	l.	PROPN
fsr-3390	331	9	,	,	PUNCT
fsr-3390	331	10	jones	jones	PROPN
fsr-3390	331	11	,	,	PUNCT
fsr-3390	331	12	e.	e.	PROPN
fsr-3390	331	13	,	,	PUNCT
fsr-3390	331	14	&	&	CCONJ
fsr-3390	331	15	decooke	decooke	PROPN
fsr-3390	331	16	,	,	PUNCT
fsr-3390	331	17	p.	p.	NOUN
fsr-3390	331	18	(	(	PUNCT
fsr-3390	331	19	1990	1990	NUM
fsr-3390	331	20	)	)	PUNCT
fsr-3390	331	21	.	.	PUNCT
fsr-3390	332	1	children	child	NOUN
fsr-3390	332	2	’s	’s	PART
fsr-3390	332	3	self	self	NOUN
fsr-3390	332	4	-	-	PUNCT
fsr-3390	332	5	assessment	assessment	NOUN
fsr-3390	332	6	of	of	ADP
fsr-3390	332	7	performance	performance	NOUN
fsr-3390	332	8	and	and	CCONJ
fsr-3390	332	9	task	task	NOUN
fsr-3390	332	10	related	relate	VERB
fsr-3390	332	11	help	help	NOUN
fsr-3390	332	12	-	-	PUNCT
fsr-3390	332	13	seeking	seek	VERB
fsr-3390	332	14	.	.	PUNCT
fsr-3390	333	1	journal	journal	NOUN
fsr-3390	333	2	of	of	ADP
fsr-3390	333	3	experimental	experimental	ADJ
fsr-3390	333	4	child	child	NOUN
fsr-3390	333	5	psychology	psychology	NOUN
fsr-3390	333	6	,	,	PUNCT
fsr-3390	333	7	49	49	NUM
fsr-3390	333	8	,	,	PUNCT
fsr-3390	333	9	245–263	245–263	NUM
fsr-3390	333	10	.	.	PUNCT
fsr-3390	334	1	gentile	gentile	NOUN
fsr-3390	334	2	,	,	PUNCT
fsr-3390	334	3	m.	m.	NOUN
fsr-3390	334	4	,	,	PUNCT
fsr-3390	334	5	linciano	linciano	PROPN
fsr-3390	334	6	,	,	PUNCT
fsr-3390	334	7	n.	n.	NOUN
fsr-3390	334	8	,	,	PUNCT
fsr-3390	334	9	&	&	CCONJ
fsr-3390	334	10	soccorso	soccorso	PROPN
fsr-3390	334	11	,	,	PUNCT
fsr-3390	334	12	p.	p.	NOUN
fsr-3390	334	13	(	(	PUNCT
fsr-3390	334	14	2016	2016	NUM
fsr-3390	334	15	)	)	PUNCT
fsr-3390	334	16	.	.	PUNCT
fsr-3390	335	1	financial	financial	ADJ
fsr-3390	335	2	advice	advice	NOUN
fsr-3390	335	3	seeking	seeking	NOUN
fsr-3390	335	4	,	,	PUNCT
fsr-3390	335	5	financial	financial	ADJ
fsr-3390	335	6	knowledge	knowledge	NOUN
fsr-3390	335	7	and	and	CCONJ
fsr-3390	335	8	overconfidence	overconfidence	NOUN
fsr-3390	335	9	:	:	PUNCT
fsr-3390	335	10	evidence	evidence	NOUN
fsr-3390	335	11	from	from	ADP
fsr-3390	335	12	the	the	DET
fsr-3390	335	13	italian	italian	ADJ
fsr-3390	335	14	market	market	NOUN
fsr-3390	335	15	.	.	PUNCT
fsr-3390	336	1	consob	consob	PROPN
fsr-3390	336	2	,	,	PUNCT
fsr-3390	336	3	commissione	commissione	NOUN
fsr-3390	336	4	nazionale	nazionale	NOUN
fsr-3390	336	5	per	per	X
fsr-3390	336	6	le	le	X
fsr-3390	336	7	societa	societa	PROPN
fsr-3390	336	8	e	e	PROPN
fsr-3390	336	9	la	la	PROPN
fsr-3390	336	10	borsa	borsa	PROPN
fsr-3390	336	11	,	,	PUNCT
fsr-3390	336	12	working	work	VERB
fsr-3390	336	13	paper	paper	NOUN
fsr-3390	336	14	83	83	NUM
fsr-3390	336	15	.	.	PUNCT
fsr-3390	337	1	rome	rome	PROPN
fsr-3390	337	2	:	:	PUNCT
fsr-3390	338	1	consob	consob	PROPN
fsr-3390	338	2	.	.	PUNCT
fsr-3390	339	1	grable	grable	PROPN
fsr-3390	339	2	,	,	PUNCT
fsr-3390	339	3	j.	j.	PROPN
fsr-3390	339	4	e.	e.	PROPN
fsr-3390	339	5	,	,	PUNCT
fsr-3390	339	6	&	&	CCONJ
fsr-3390	339	7	joo	joo	PROPN
fsr-3390	339	8	,	,	PUNCT
fsr-3390	339	9	s.-h	s.-h	NOUN
fsr-3390	339	10	.	.	PUNCT
fsr-3390	340	1	(	(	PUNCT
fsr-3390	340	2	2001	2001	NUM
fsr-3390	340	3	)	)	PUNCT
fsr-3390	340	4	.	.	PUNCT
fsr-3390	341	1	a	a	DET
fsr-3390	341	2	further	further	ADJ
fsr-3390	341	3	examination	examination	NOUN
fsr-3390	341	4	of	of	ADP
fsr-3390	341	5	financial	financial	ADJ
fsr-3390	341	6	help	help	NOUN
fsr-3390	341	7	-	-	PUNCT
fsr-3390	341	8	seeking	seek	VERB
fsr-3390	341	9	behavior	behavior	NOUN
fsr-3390	341	10	.	.	PUNCT
fsr-3390	342	1	journal	journal	PROPN
fsr-3390	342	2	of	of	ADP
fsr-3390	342	3	financial	financial	ADJ
fsr-3390	342	4	counseling	counseling	NOUN
fsr-3390	342	5	and	and	CCONJ
fsr-3390	342	6	planning	planning	NOUN
fsr-3390	342	7	,	,	PUNCT
fsr-3390	342	8	12	12	NUM
fsr-3390	342	9	,	,	PUNCT
fsr-3390	342	10	55–74	55–74	NUM
fsr-3390	342	11	.	.	PUNCT
fsr-3390	343	1	hackethal	hackethal	PROPN
fsr-3390	343	2	,	,	PUNCT
fsr-3390	343	3	a.	a.	NOUN
fsr-3390	343	4	,	,	PUNCT
fsr-3390	343	5	haliassos	haliassos	NOUN
fsr-3390	343	6	,	,	PUNCT
fsr-3390	343	7	m.	m.	NOUN
fsr-3390	343	8	,	,	PUNCT
fsr-3390	343	9	&	&	CCONJ
fsr-3390	343	10	jappelli	jappelli	PROPN
fsr-3390	343	11	,	,	PUNCT
fsr-3390	343	12	t.	t.	PROPN
fsr-3390	343	13	(	(	PUNCT
fsr-3390	343	14	2012	2012	NUM
fsr-3390	343	15	)	)	PUNCT
fsr-3390	343	16	.	.	PUNCT
fsr-3390	344	1	financial	financial	ADJ
fsr-3390	344	2	advisors	advisor	NOUN
fsr-3390	344	3	:	:	PUNCT
fsr-3390	344	4	a	a	DET
fsr-3390	344	5	case	case	NOUN
fsr-3390	344	6	of	of	ADP
fsr-3390	344	7	babysitters	babysitter	NOUN
fsr-3390	344	8	?	?	PUNCT
fsr-3390	345	1	journal	journal	NOUN
fsr-3390	345	2	of	of	ADP
fsr-3390	345	3	banking	banking	NOUN
fsr-3390	345	4	and	and	CCONJ
fsr-3390	345	5	finance	finance	NOUN
fsr-3390	345	6	,	,	PUNCT
fsr-3390	345	7	36	36	NUM
fsr-3390	345	8	,	,	PUNCT
fsr-3390	345	9	509–524	509–524	NUM
fsr-3390	345	10	.	.	PUNCT
fsr-3390	346	1	idzelis	idzelis	PROPN
fsr-3390	346	2	,	,	PUNCT
fsr-3390	346	3	c.	c.	PROPN
fsr-3390	346	4	(	(	PUNCT
fsr-3390	346	5	2016	2016	NUM
fsr-3390	346	6	,	,	PUNCT
fsr-3390	346	7	april	april	PROPN
fsr-3390	346	8	7	7	NUM
fsr-3390	346	9	)	)	PUNCT
fsr-3390	346	10	.	.	PUNCT
fsr-3390	347	1	new	new	ADJ
fsr-3390	347	2	dol	dol	PROPN
fsr-3390	347	3	fiduciary	fiduciary	ADJ
fsr-3390	347	4	rule	rule	NOUN
fsr-3390	347	5	,	,	PUNCT
fsr-3390	347	6	robo	robo	NOUN
fsr-3390	347	7	-	-	PUNCT
fsr-3390	347	8	advice	advice	NOUN
fsr-3390	347	9	dominate	dominate	NOUN
fsr-3390	347	10	adviser	adviser	NOUN
fsr-3390	347	11	concerns	concern	NOUN
fsr-3390	347	12	at	at	ADP
fsr-3390	347	13	sifma	sifma	NOUN
fsr-3390	347	14	conference	conference	NOUN
fsr-3390	347	15	.	.	PUNCT
fsr-3390	348	1	investment	investment	NOUN
fsr-3390	348	2	news	news	NOUN
fsr-3390	348	3	.	.	PUNCT
fsr-3390	349	1	(	(	PUNCT
fsr-3390	349	2	available	available	ADJ
fsr-3390	349	3	at	at	ADP
fsr-3390	349	4	http://www.investmentnews.com/article/20160407/free/160409937/new-dolfiduciary-rule-robo-advice-dominate-adviser-concerns-at	http://www.investmentnews.com/article/20160407/free/160409937/new-dolfiduciary-rule-robo-advice-dominate-adviser-concerns-at	PROPN
fsr-3390	349	5	)	)	PUNCT
fsr-3390	349	6	kaskutas	kaskuta	NOUN
fsr-3390	349	7	,	,	PUNCT
fsr-3390	349	8	l.	l.	PROPN
fsr-3390	349	9	a.	a.	PROPN
fsr-3390	349	10	,	,	PUNCT
fsr-3390	349	11	weisner	weisner	NOUN
fsr-3390	349	12	,	,	PUNCT
fsr-3390	349	13	c.	c.	PROPN
fsr-3390	349	14	,	,	PUNCT
fsr-3390	349	15	&	&	CCONJ
fsr-3390	349	16	caetano	caetano	PROPN
fsr-3390	349	17	,	,	PUNCT
fsr-3390	349	18	r.	r.	PROPN
fsr-3390	349	19	(	(	PUNCT
fsr-3390	349	20	1997	1997	NUM
fsr-3390	349	21	)	)	PUNCT
fsr-3390	349	22	.	.	PUNCT
fsr-3390	350	1	predictors	predictor	NOUN
fsr-3390	350	2	of	of	ADP
fsr-3390	350	3	help	help	NOUN
fsr-3390	350	4	-	-	PUNCT
fsr-3390	350	5	seeking	seek	VERB
fsr-3390	350	6	among	among	ADP
fsr-3390	350	7	a	a	DET
fsr-3390	350	8	longitudinal	longitudinal	ADJ
fsr-3390	350	9	sample	sample	NOUN
fsr-3390	350	10	of	of	ADP
fsr-3390	350	11	the	the	DET
fsr-3390	350	12	general	general	ADJ
fsr-3390	350	13	population	population	NOUN
fsr-3390	350	14	,	,	PUNCT
fsr-3390	350	15	1984–1992	1984–1992	NUM
fsr-3390	350	16	.	.	PUNCT
fsr-3390	350	17	journal	journal	NOUN
fsr-3390	350	18	of	of	ADP
fsr-3390	350	19	studies	study	NOUN
fsr-3390	350	20	on	on	ADP
fsr-3390	350	21	alcohol	alcohol	NOUN
fsr-3390	350	22	,	,	PUNCT
fsr-3390	350	23	58	58	NUM
fsr-3390	350	24	,	,	PUNCT
fsr-3390	350	25	155–161	155–161	NUM
fsr-3390	350	26	.	.	PUNCT
fsr-3390	351	1	kearney	kearney	PROPN
fsr-3390	351	2	,	,	PUNCT
fsr-3390	351	3	a.	a.	NOUN
fsr-3390	351	4	t.	t.	PROPN
fsr-3390	351	5	(	(	PUNCT
fsr-3390	351	6	2015	2015	NUM
fsr-3390	351	7	,	,	PUNCT
fsr-3390	351	8	june	june	PROPN
fsr-3390	351	9	)	)	PUNCT
fsr-3390	351	10	.	.	PUNCT
fsr-3390	352	1	hype	hype	NOUN
fsr-3390	352	2	vs.	vs.	ADP
fsr-3390	352	3	reality	reality	NOUN
fsr-3390	352	4	:	:	PUNCT
fsr-3390	352	5	the	the	DET
fsr-3390	352	6	coming	come	VERB
fsr-3390	352	7	waves	wave	NOUN
fsr-3390	352	8	of	of	ADP
fsr-3390	352	9	“	"	PUNCT
fsr-3390	352	10	robo	robo	NOUN
fsr-3390	352	11	”	"	PUNCT
fsr-3390	352	12	adoption	adoption	NOUN
fsr-3390	352	13	.	.	PUNCT
fsr-3390	353	1	(	(	PUNCT
fsr-3390	353	2	available	available	ADJ
fsr-3390	353	3	at	at	ADP
fsr-3390	353	4	https://	https://	PROPN
fsr-3390	353	5	www.atkearney.com/documents/10192/7132014/hype�vs.�reality_the�coming�waves�of�robo	www.atkearney.com/documents/10192/7132014/hype�vs.�reality_the�coming�waves�of�robo	PUNCT
fsr-3390	353	6	�	�	PROPN
fsr-3390	353	7	adoption.pdf/9667a470-7ce9-4659-a104-375e4144421d	adoption.pdf/9667a470-7ce9-4659-a104-375e4144421d	PROPN
fsr-3390	353	8	)	)	PUNCT
fsr-3390	353	9	miller	miller	PROPN
fsr-3390	353	10	,	,	PUNCT
fsr-3390	353	11	s.	s.	PROPN
fsr-3390	353	12	a.	a.	PROPN
fsr-3390	353	13	,	,	PUNCT
fsr-3390	353	14	&	&	CCONJ
fsr-3390	353	15	montalto	montalto	PROPN
fsr-3390	353	16	,	,	PUNCT
fsr-3390	353	17	c.	c.	PROPN
fsr-3390	353	18	p.	p.	PROPN
fsr-3390	353	19	(	(	PUNCT
fsr-3390	353	20	2001	2001	NUM
fsr-3390	353	21	)	)	PUNCT
fsr-3390	353	22	.	.	PUNCT
fsr-3390	354	1	who	who	PRON
fsr-3390	354	2	uses	use	VERB
fsr-3390	354	3	financial	financial	ADJ
fsr-3390	354	4	planners	planner	NOUN
fsr-3390	354	5	?	?	PUNCT
fsr-3390	355	1	evidence	evidence	NOUN
fsr-3390	355	2	from	from	ADP
fsr-3390	355	3	the	the	DET
fsr-3390	355	4	1998	1998	NUM
fsr-3390	355	5	survey	survey	NOUN
fsr-3390	355	6	of	of	ADP
fsr-3390	355	7	consumer	consumer	NOUN
fsr-3390	355	8	finances	finance	NOUN
fsr-3390	355	9	.	.	PUNCT
fsr-3390	356	1	consumer	consumer	NOUN
fsr-3390	356	2	interests	interest	NOUN
fsr-3390	356	3	annual	annual	ADJ
fsr-3390	356	4	,	,	PUNCT
fsr-3390	356	5	47	47	NUM
fsr-3390	356	6	,	,	PUNCT
fsr-3390	356	7	1–9	1–9	PROPN
fsr-3390	356	8	.	.	PROPN
fsr-3390	356	9	phillips	phillips	PROPN
fsr-3390	356	10	,	,	PUNCT
fsr-3390	356	11	m.	m.	NOUN
fsr-3390	356	12	a.	a.	PROPN
fsr-3390	356	13	,	,	PUNCT
fsr-3390	356	14	&	&	CCONJ
fsr-3390	356	15	murrell	murrell	PROPN
fsr-3390	356	16	,	,	PUNCT
fsr-3390	356	17	s.	s.	PROPN
fsr-3390	356	18	a.	a.	PROPN
fsr-3390	356	19	(	(	PUNCT
fsr-3390	356	20	1994	1994	NUM
fsr-3390	356	21	)	)	PUNCT
fsr-3390	356	22	.	.	PUNCT
fsr-3390	357	1	impact	impact	NOUN
fsr-3390	357	2	of	of	ADP
fsr-3390	357	3	psychological	psychological	ADJ
fsr-3390	357	4	and	and	CCONJ
fsr-3390	357	5	physical	physical	ADJ
fsr-3390	357	6	health	health	NOUN
fsr-3390	357	7	,	,	PUNCT
fsr-3390	357	8	stressful	stressful	ADJ
fsr-3390	357	9	events	event	NOUN
fsr-3390	357	10	,	,	PUNCT
fsr-3390	357	11	and	and	CCONJ
fsr-3390	357	12	social	social	ADJ
fsr-3390	357	13	support	support	NOUN
fsr-3390	357	14	on	on	ADP
fsr-3390	357	15	subsequent	subsequent	ADJ
fsr-3390	357	16	mental	mental	ADJ
fsr-3390	357	17	health	health	NOUN
fsr-3390	357	18	help	help	NOUN
fsr-3390	357	19	-	-	PUNCT
fsr-3390	357	20	seeking	seek	VERB
fsr-3390	357	21	among	among	ADP
fsr-3390	357	22	older	old	ADJ
fsr-3390	357	23	adults	adult	NOUN
fsr-3390	357	24	.	.	PUNCT
fsr-3390	358	1	journal	journal	NOUN
fsr-3390	358	2	of	of	ADP
fsr-3390	358	3	consulting	consulting	NOUN
fsr-3390	358	4	and	and	CCONJ
fsr-3390	358	5	clinical	clinical	ADJ
fsr-3390	358	6	psychology	psychology	NOUN
fsr-3390	358	7	,	,	PUNCT
fsr-3390	358	8	62	62	NUM
fsr-3390	358	9	,	,	PUNCT
fsr-3390	358	10	270–275	270–275	NUM
fsr-3390	358	11	.	.	PUNCT
fsr-3390	359	1	pisani	pisani	PROPN
fsr-3390	359	2	,	,	PUNCT
fsr-3390	359	3	j.	j.	PROPN
fsr-3390	359	4	(	(	PUNCT
fsr-3390	359	5	2016	2016	NUM
fsr-3390	359	6	)	)	PUNCT
fsr-3390	359	7	.	.	PUNCT
fsr-3390	360	1	robo	robo	NOUN
fsr-3390	360	2	-	-	PUNCT
fsr-3390	360	3	advisors	advisor	NOUN
fsr-3390	360	4	:	:	PUNCT
fsr-3390	360	5	a	a	DET
fsr-3390	360	6	disruptive	disruptive	ADJ
fsr-3390	360	7	force	force	NOUN
fsr-3390	360	8	in	in	ADP
fsr-3390	360	9	the	the	DET
fsr-3390	360	10	wealth	wealth	NOUN
fsr-3390	360	11	management	management	NOUN
fsr-3390	360	12	industry	industry	NOUN
fsr-3390	360	13	(	(	PUNCT
fsr-3390	360	14	doctoral	doctoral	ADJ
fsr-3390	360	15	dissertation	dissertation	NOUN
fsr-3390	360	16	)	)	PUNCT
fsr-3390	360	17	.	.	PUNCT
fsr-3390	361	1	university	university	PROPN
fsr-3390	361	2	of	of	ADP
fsr-3390	361	3	malta	malta	PROPN
fsr-3390	361	4	,	,	PUNCT
fsr-3390	361	5	malta	malta	PROPN
fsr-3390	361	6	.	.	PUNCT
fsr-3390	362	1	(	(	PUNCT
fsr-3390	362	2	available	available	ADJ
fsr-3390	362	3	at	at	ADP
fsr-3390	362	4	https://www.um.edu.mt/library/oar/handle/123456789/13703	https://www.um.edu.mt/library/oar/handle/123456789/13703	NOUN
fsr-3390	362	5	)	)	PUNCT
fsr-3390	362	6	regan	regan	NOUN
fsr-3390	362	7	,	,	PUNCT
fsr-3390	362	8	m.	m.	NOUN
fsr-3390	362	9	p.	p.	NOUN
fsr-3390	362	10	(	(	PUNCT
fsr-3390	362	11	2015	2015	NUM
fsr-3390	362	12	,	,	PUNCT
fsr-3390	362	13	june	june	PROPN
fsr-3390	362	14	18	18	NUM
fsr-3390	362	15	)	)	PUNCT
fsr-3390	362	16	.	.	PUNCT
fsr-3390	363	1	robo	robo	NOUN
fsr-3390	363	2	advisers	adviser	NOUN
fsr-3390	363	3	to	to	PART
fsr-3390	363	4	run	run	VERB
fsr-3390	363	5	$	$	SYM
fsr-3390	363	6	2	2	NUM
fsr-3390	363	7	trillion	trillion	NUM
fsr-3390	363	8	by	by	ADP
fsr-3390	363	9	2020	2020	NUM
fsr-3390	363	10	if	if	SCONJ
fsr-3390	363	11	this	this	DET
fsr-3390	363	12	model	model	NOUN
fsr-3390	363	13	is	be	AUX
fsr-3390	363	14	right	right	ADJ
fsr-3390	363	15	.	.	PUNCT
fsr-3390	364	1	bloomberg	bloomberg	PROPN
fsr-3390	364	2	.	.	PUNCT
fsr-3390	365	1	(	(	PUNCT
fsr-3390	365	2	available	available	ADJ
fsr-3390	365	3	at	at	ADP
fsr-3390	365	4	https://www.bloomberg.com/news/articles/2015-06-18/robo-advisers-to-run-2-trillion-by-2020if-this-model-is-right	https://www.bloomberg.com/news/articles/2015-06-18/robo-advisers-to-run-2-trillion-by-2020if-this-model-is-right	ADV
fsr-3390	365	5	)	)	PUNCT
fsr-3390	365	6	robb	robb	NOUN
fsr-3390	365	7	,	,	PUNCT
fsr-3390	365	8	c.	c.	PROPN
fsr-3390	365	9	,	,	PUNCT
fsr-3390	365	10	babiarz	babiarz	PROPN
fsr-3390	365	11	,	,	PUNCT
fsr-3390	365	12	p.	p.	NOUN
fsr-3390	365	13	,	,	PUNCT
fsr-3390	365	14	&	&	CCONJ
fsr-3390	365	15	woodyard	woodyard	PROPN
fsr-3390	365	16	,	,	PUNCT
fsr-3390	365	17	a.	a.	NOUN
fsr-3390	365	18	(	(	PUNCT
fsr-3390	365	19	2012	2012	NUM
fsr-3390	365	20	)	)	PUNCT
fsr-3390	365	21	.	.	PUNCT
fsr-3390	366	1	the	the	DET
fsr-3390	366	2	demand	demand	NOUN
fsr-3390	366	3	for	for	ADP
fsr-3390	366	4	financial	financial	ADJ
fsr-3390	366	5	professionals	professional	NOUN
fsr-3390	366	6	’	'	PUNCT
fsr-3390	366	7	advice	advice	NOUN
fsr-3390	366	8	:	:	PUNCT
fsr-3390	366	9	the	the	DET
fsr-3390	366	10	role	role	NOUN
fsr-3390	366	11	of	of	ADP
fsr-3390	366	12	financial	financial	ADJ
fsr-3390	366	13	knowledge	knowledge	NOUN
fsr-3390	366	14	,	,	PUNCT
fsr-3390	366	15	satisfaction	satisfaction	NOUN
fsr-3390	366	16	,	,	PUNCT
fsr-3390	366	17	and	and	CCONJ
fsr-3390	366	18	confidence	confidence	NOUN
fsr-3390	366	19	.	.	PUNCT
fsr-3390	367	1	financial	financial	ADJ
fsr-3390	367	2	services	service	NOUN
fsr-3390	367	3	review	review	PROPN
fsr-3390	367	4	,	,	PUNCT
fsr-3390	367	5	21	21	NUM
fsr-3390	367	6	,	,	PUNCT
fsr-3390	367	7	291–305	291–305	NUM
fsr-3390	367	8	.	.	PUNCT
fsr-3390	368	1	salter	salter	PROPN
fsr-3390	368	2	,	,	PUNCT
fsr-3390	368	3	j.	j.	PROPN
fsr-3390	368	4	r.	r.	PROPN
fsr-3390	368	5	,	,	PUNCT
fsr-3390	368	6	harness	harness	NOUN
fsr-3390	368	7	,	,	PUNCT
fsr-3390	368	8	n.	n.	NOUN
fsr-3390	368	9	,	,	PUNCT
fsr-3390	368	10	&	&	CCONJ
fsr-3390	368	11	chatterjee	chatterjee	PROPN
fsr-3390	368	12	,	,	PUNCT
fsr-3390	368	13	s.	s.	PROPN
fsr-3390	368	14	(	(	PUNCT
fsr-3390	368	15	2010	2010	NUM
fsr-3390	368	16	)	)	PUNCT
fsr-3390	368	17	.	.	PUNCT
fsr-3390	369	1	utilization	utilization	NOUN
fsr-3390	369	2	of	of	ADP
fsr-3390	369	3	financial	financial	ADJ
fsr-3390	369	4	advisors	advisor	NOUN
fsr-3390	369	5	by	by	ADP
fsr-3390	369	6	affluent	affluent	ADJ
fsr-3390	369	7	retirees	retiree	NOUN
fsr-3390	369	8	.	.	PUNCT
fsr-3390	370	1	financial	financial	ADJ
fsr-3390	370	2	services	services	PROPN
fsr-3390	370	3	review	review	PROPN
fsr-3390	370	4	,	,	PUNCT
fsr-3390	370	5	19	19	NUM
fsr-3390	370	6	,	,	PUNCT
fsr-3390	370	7	245–263	245–263	NUM
fsr-3390	370	8	.	.	PUNCT
fsr-3390	371	1	templeton	templeton	PROPN
fsr-3390	371	2	,	,	PUNCT
fsr-3390	371	3	g.	g.	PROPN
fsr-3390	371	4	f.	f.	PROPN
fsr-3390	371	5	(	(	PUNCT
fsr-3390	371	6	2011	2011	NUM
fsr-3390	371	7	)	)	PUNCT
fsr-3390	371	8	.	.	PUNCT
fsr-3390	372	1	a	a	DET
fsr-3390	372	2	two	two	NUM
fsr-3390	372	3	-	-	PUNCT
fsr-3390	372	4	step	step	NOUN
fsr-3390	372	5	approach	approach	NOUN
fsr-3390	372	6	for	for	ADP
fsr-3390	372	7	transforming	transform	VERB
fsr-3390	372	8	continuous	continuous	ADJ
fsr-3390	372	9	variables	variable	NOUN
fsr-3390	372	10	to	to	ADP
fsr-3390	372	11	normal	normal	ADJ
fsr-3390	372	12	:	:	PUNCT
fsr-3390	372	13	implications	implication	NOUN
fsr-3390	372	14	and	and	CCONJ
fsr-3390	372	15	recommendations	recommendation	NOUN
fsr-3390	372	16	for	for	ADP
fsr-3390	372	17	is	be	AUX
fsr-3390	372	18	research	research	NOUN
fsr-3390	372	19	.	.	PUNCT
fsr-3390	373	1	communications	communication	NOUN
fsr-3390	373	2	of	of	ADP
fsr-3390	373	3	the	the	DET
fsr-3390	373	4	association	association	NOUN
fsr-3390	373	5	for	for	ADP
fsr-3390	373	6	information	information	NOUN
fsr-3390	373	7	systems	system	NOUN
fsr-3390	373	8	,	,	PUNCT
fsr-3390	373	9	28	28	NUM
fsr-3390	373	10	,	,	PUNCT
fsr-3390	373	11	41–58	41–58	NUM
fsr-3390	373	12	.	.	PUNCT
fsr-3390	374	1	188	188	NUM
fsr-3390	374	2	m.	m.	NOUN
fsr-3390	374	3	fulk	fulk	PROPN
fsr-3390	374	4	et	et	PROPN
fsr-3390	374	5	al	al	PROPN
fsr-3390	374	6	.	.	PUNCT
fsr-3390	374	7	/	/	SYM
fsr-3390	374	8	financial	financial	ADJ
fsr-3390	374	9	services	service	NOUN
fsr-3390	374	10	review	review	VERB
fsr-3390	374	11	27	27	NUM
fsr-3390	374	12	(	(	PUNCT
fsr-3390	374	13	2018	2018	NUM
fsr-3390	374	14	)	)	PUNCT
fsr-3390	374	15	173	173	NUM
fsr-3390	374	16	-	-	SYM
fsr-3390	374	17	188	188	NUM