id	sid	tid	token	lemma	pos
fsr-3402	1	1	from	from	ADP
fsr-3402	1	2	the	the	DET
fsr-3402	1	3	editor	editor	NOUN
fsr-3402	1	4	this	this	DET
fsr-3402	1	5	issue	issue	NOUN
fsr-3402	1	6	contains	contain	VERB
fsr-3402	1	7	volume	volume	NOUN
fsr-3402	1	8	27	27	NUM
fsr-3402	1	9	issue	issue	NOUN
fsr-3402	1	10	4	4	NUM
fsr-3402	1	11	of	of	ADP
fsr-3402	1	12	financial	financial	ADJ
fsr-3402	1	13	services	service	NOUN
fsr-3402	1	14	review	review	NOUN
fsr-3402	1	15	(	(	PUNCT
fsr-3402	1	16	fsr	fsr	PROPN
fsr-3402	1	17	)	)	PUNCT
fsr-3402	1	18	.	.	PUNCT
fsr-3402	2	1	i	i	PRON
fsr-3402	2	2	would	would	AUX
fsr-3402	2	3	like	like	VERB
fsr-3402	2	4	to	to	PART
fsr-3402	2	5	thank	thank	VERB
fsr-3402	2	6	the	the	DET
fsr-3402	2	7	board	board	NOUN
fsr-3402	2	8	and	and	CCONJ
fsr-3402	2	9	members	member	NOUN
fsr-3402	2	10	of	of	ADP
fsr-3402	2	11	the	the	DET
fsr-3402	2	12	academy	academy	NOUN
fsr-3402	2	13	of	of	ADP
fsr-3402	2	14	financial	financial	ADJ
fsr-3402	2	15	services	service	NOUN
fsr-3402	2	16	for	for	ADP
fsr-3402	2	17	their	their	PRON
fsr-3402	2	18	continued	continue	VERB
fsr-3402	2	19	support	support	NOUN
fsr-3402	2	20	.	.	PUNCT
fsr-3402	3	1	i	i	PRON
fsr-3402	3	2	continue	continue	VERB
fsr-3402	3	3	to	to	PART
fsr-3402	3	4	work	work	VERB
fsr-3402	3	5	in	in	ADP
fsr-3402	3	6	broadening	broaden	VERB
fsr-3402	3	7	the	the	DET
fsr-3402	3	8	scope	scope	NOUN
fsr-3402	3	9	of	of	ADP
fsr-3402	3	10	articles	article	NOUN
fsr-3402	3	11	,	,	PUNCT
fsr-3402	3	12	while	while	SCONJ
fsr-3402	3	13	still	still	ADV
fsr-3402	3	14	focusing	focus	VERB
fsr-3402	3	15	on	on	ADP
fsr-3402	3	16	individual	individual	ADJ
fsr-3402	3	17	financial	financial	ADJ
fsr-3402	3	18	management	management	NOUN
fsr-3402	3	19	and	and	CCONJ
fsr-3402	3	20	personal	personal	ADJ
fsr-3402	3	21	financial	financial	ADJ
fsr-3402	3	22	planning	planning	NOUN
fsr-3402	3	23	.	.	PUNCT
fsr-3402	4	1	i	i	PRON
fsr-3402	4	2	encourage	encourage	VERB
fsr-3402	4	3	authors	author	NOUN
fsr-3402	4	4	to	to	PART
fsr-3402	4	5	reach	reach	VERB
fsr-3402	4	6	out	out	ADP
fsr-3402	4	7	when	when	SCONJ
fsr-3402	4	8	discussing	discuss	VERB
fsr-3402	4	9	implications	implication	NOUN
fsr-3402	4	10	of	of	ADP
fsr-3402	4	11	their	their	PRON
fsr-3402	4	12	findings	finding	NOUN
fsr-3402	4	13	in	in	ADP
fsr-3402	4	14	a	a	DET
fsr-3402	4	15	more	more	ADV
fsr-3402	4	16	comprehensive	comprehensive	ADJ
fsr-3402	4	17	way	way	NOUN
fsr-3402	4	18	.	.	PUNCT
fsr-3402	5	1	as	as	SCONJ
fsr-3402	5	2	such	such	ADJ
fsr-3402	5	3	,	,	PUNCT
fsr-3402	5	4	all	all	DET
fsr-3402	5	5	articles	article	NOUN
fsr-3402	5	6	in	in	ADP
fsr-3402	5	7	the	the	DET
fsr-3402	5	8	journal	journal	NOUN
fsr-3402	5	9	more	more	ADV
fsr-3402	5	10	appropriately	appropriately	ADV
fsr-3402	5	11	relate	relate	VERB
fsr-3402	5	12	to	to	ADP
fsr-3402	5	13	financial	financial	ADJ
fsr-3402	5	14	planning	planning	NOUN
fsr-3402	5	15	issues	issue	NOUN
fsr-3402	5	16	.	.	PUNCT
fsr-3402	6	1	the	the	DET
fsr-3402	6	2	lead	lead	ADJ
fsr-3402	6	3	article	article	NOUN
fsr-3402	6	4	“	"	PUNCT
fsr-3402	6	5	the	the	DET
fsr-3402	6	6	importance	importance	NOUN
fsr-3402	6	7	of	of	ADP
fsr-3402	6	8	debt	debt	NOUN
fsr-3402	6	9	for	for	ADP
fsr-3402	6	10	household	household	NOUN
fsr-3402	6	11	risky	risky	ADJ
fsr-3402	6	12	asset	asset	NOUN
fsr-3402	6	13	allocation	allocation	NOUN
fsr-3402	6	14	and	and	CCONJ
fsr-3402	6	15	portfolio	portfolio	NOUN
fsr-3402	6	16	structure	structure	NOUN
fsr-3402	6	17	”	"	PUNCT
fsr-3402	6	18	is	be	AUX
fsr-3402	6	19	coauthored	coauthore	VERB
fsr-3402	6	20	by	by	ADP
fsr-3402	6	21	ran	run	VERB
fsr-3402	6	22	tao	tao	PROPN
fsr-3402	6	23	and	and	CCONJ
fsr-3402	6	24	yuan	yuan	PROPN
fsr-3402	6	25	yuan	yuan	PROPN
fsr-3402	6	26	,	,	PUNCT
fsr-3402	6	27	both	both	CCONJ
fsr-3402	6	28	at	at	ADP
fsr-3402	6	29	university	university	PROPN
fsr-3402	6	30	of	of	ADP
fsr-3402	6	31	wisconsin	wisconsin	PROPN
fsr-3402	6	32	,	,	PUNCT
fsr-3402	6	33	whitewater	whitewater	NOUN
fsr-3402	6	34	.	.	PUNCT
fsr-3402	7	1	the	the	DET
fsr-3402	7	2	authors	author	NOUN
fsr-3402	7	3	examine	examine	VERB
fsr-3402	7	4	the	the	DET
fsr-3402	7	5	joint	joint	ADJ
fsr-3402	7	6	behavior	behavior	NOUN
fsr-3402	7	7	of	of	ADP
fsr-3402	7	8	debt	debt	NOUN
fsr-3402	7	9	and	and	CCONJ
fsr-3402	7	10	financial	financial	ADJ
fsr-3402	7	11	asset	asset	NOUN
fsr-3402	7	12	portfolio	portfolio	NOUN
fsr-3402	7	13	decisions	decision	NOUN
fsr-3402	7	14	.	.	PUNCT
fsr-3402	8	1	they	they	PRON
fsr-3402	8	2	test	test	VERB
fsr-3402	8	3	the	the	DET
fsr-3402	8	4	relationship	relationship	NOUN
fsr-3402	8	5	between	between	ADP
fsr-3402	8	6	debt	debt	NOUN
fsr-3402	8	7	structure	structure	NOUN
fsr-3402	8	8	and	and	CCONJ
fsr-3402	8	9	asset	asset	NOUN
fsr-3402	8	10	allocation	allocation	NOUN
fsr-3402	8	11	and	and	CCONJ
fsr-3402	8	12	then	then	ADV
fsr-3402	8	13	estimate	estimate	VERB
fsr-3402	8	14	the	the	DET
fsr-3402	8	15	determinants	determinant	NOUN
fsr-3402	8	16	of	of	ADP
fsr-3402	8	17	debt	debt	NOUN
fsr-3402	8	18	structure	structure	NOUN
fsr-3402	8	19	and	and	CCONJ
fsr-3402	8	20	asset	asset	NOUN
fsr-3402	8	21	allocation	allocation	NOUN
fsr-3402	8	22	simultaneously	simultaneously	ADV
fsr-3402	8	23	.	.	PUNCT
fsr-3402	9	1	they	they	PRON
fsr-3402	9	2	find	find	VERB
fsr-3402	9	3	evidence	evidence	NOUN
fsr-3402	9	4	that	that	SCONJ
fsr-3402	9	5	debt	debt	NOUN
fsr-3402	9	6	structure	structure	NOUN
fsr-3402	9	7	affects	affect	VERB
fsr-3402	9	8	households	household	NOUN
fsr-3402	9	9	’	'	PUNCT
fsr-3402	9	10	risky	risky	ADJ
fsr-3402	9	11	asset	asset	NOUN
fsr-3402	9	12	allocation	allocation	NOUN
fsr-3402	9	13	decisions	decision	NOUN
fsr-3402	9	14	and	and	CCONJ
fsr-3402	9	15	identify	identify	VERB
fsr-3402	9	16	the	the	DET
fsr-3402	9	17	demographic	demographic	ADJ
fsr-3402	9	18	and	and	CCONJ
fsr-3402	9	19	financial	financial	ADJ
fsr-3402	9	20	factors	factor	NOUN
fsr-3402	9	21	that	that	PRON
fsr-3402	9	22	can	can	AUX
fsr-3402	9	23	contribute	contribute	VERB
fsr-3402	9	24	to	to	ADP
fsr-3402	9	25	the	the	DET
fsr-3402	9	26	household	household	NOUN
fsr-3402	9	27	overall	overall	ADJ
fsr-3402	9	28	financial	financial	ADJ
fsr-3402	9	29	portfolio	portfolio	NOUN
fsr-3402	9	30	structure	structure	NOUN
fsr-3402	9	31	.	.	PUNCT
fsr-3402	10	1	the	the	DET
fsr-3402	10	2	second	second	ADJ
fsr-3402	10	3	article	article	NOUN
fsr-3402	10	4	“	"	PUNCT
fsr-3402	10	5	the	the	DET
fsr-3402	10	6	impact	impact	NOUN
fsr-3402	10	7	of	of	ADP
fsr-3402	10	8	the	the	DET
fsr-3402	10	9	tax	tax	NOUN
fsr-3402	10	10	cuts	cut	NOUN
fsr-3402	10	11	and	and	CCONJ
fsr-3402	10	12	jobs	job	NOUN
fsr-3402	10	13	act	act	VERB
fsr-3402	10	14	oon	oon	PROPN
fsr-3402	10	15	ira	ira	PROPN
fsr-3402	10	16	choice	choice	NOUN
fsr-3402	10	17	for	for	ADP
fsr-3402	10	18	moderate	moderate	ADJ
fsr-3402	10	19	income	income	NOUN
fsr-3402	10	20	investors	investor	NOUN
fsr-3402	10	21	,	,	PUNCT
fsr-3402	10	22	is	be	AUX
fsr-3402	10	23	coauthored	coauthore	VERB
fsr-3402	10	24	by	by	ADP
fsr-3402	10	25	timothy	timothy	PROPN
fsr-3402	10	26	manuel	manuel	PROPN
fsr-3402	10	27	,	,	PUNCT
fsr-3402	10	28	lee	lee	PROPN
fsr-3402	10	29	tangedahl	tangedahl	PROPN
fsr-3402	10	30	,	,	PUNCT
fsr-3402	10	31	and	and	CCONJ
fsr-3402	10	32	kent	kent	PROPN
fsr-3402	10	33	swift	swift	NOUN
fsr-3402	10	34	,	,	PUNCT
fsr-3402	10	35	all	all	PRON
fsr-3402	10	36	at	at	ADP
fsr-3402	10	37	university	university	NOUN
fsr-3402	10	38	of	of	ADP
fsr-3402	10	39	montana	montana	PROPN
fsr-3402	10	40	,	,	PUNCT
fsr-3402	10	41	missoula	missoula	PROPN
fsr-3402	10	42	.	.	PUNCT
fsr-3402	11	1	while	while	SCONJ
fsr-3402	11	2	he	he	PRON
fsr-3402	11	3	traditional	traditional	ADJ
fsr-3402	11	4	ira	ira	PROPN
fsr-3402	11	5	remains	remain	VERB
fsr-3402	11	6	the	the	DET
fsr-3402	11	7	more	more	ADV
fsr-3402	11	8	popular	popular	ADJ
fsr-3402	11	9	choice	choice	NOUN
fsr-3402	11	10	of	of	ADP
fsr-3402	11	11	ira	ira	PROPN
fsr-3402	11	12	among	among	ADP
fsr-3402	11	13	investors	investor	NOUN
fsr-3402	11	14	and	and	CCONJ
fsr-3402	11	15	the	the	DET
fsr-3402	11	16	passage	passage	NOUN
fsr-3402	11	17	of	of	ADP
fsr-3402	11	18	the	the	DET
fsr-3402	11	19	2018	2018	NUM
fsr-3402	11	20	tax	tax	NOUN
fsr-3402	11	21	cut	cut	NOUN
fsr-3402	11	22	and	and	CCONJ
fsr-3402	11	23	jobs	job	NOUN
fsr-3402	11	24	act	act	VERB
fsr-3402	11	25	makes	make	VERB
fsr-3402	11	26	the	the	DET
fsr-3402	11	27	traditional	traditional	ADJ
fsr-3402	11	28	ira	ira	PROPN
fsr-3402	11	29	a	a	DET
fsr-3402	11	30	better	well	ADJ
fsr-3402	11	31	choice	choice	NOUN
fsr-3402	11	32	for	for	ADP
fsr-3402	11	33	many	many	ADJ
fsr-3402	11	34	moderate	moderate	ADJ
fsr-3402	11	35	income	income	NOUN
fsr-3402	11	36	individuals	individual	NOUN
fsr-3402	11	37	who	who	PRON
fsr-3402	11	38	will	will	AUX
fsr-3402	11	39	be	be	AUX
fsr-3402	11	40	in	in	ADP
fsr-3402	11	41	the	the	DET
fsr-3402	11	42	22	22	NUM
fsr-3402	11	43	%	%	NOUN
fsr-3402	11	44	marginal	marginal	ADJ
fsr-3402	11	45	tax	tax	NOUN
fsr-3402	11	46	bracket	bracket	NOUN
fsr-3402	11	47	during	during	ADP
fsr-3402	11	48	their	their	PRON
fsr-3402	11	49	working	working	NOUN
fsr-3402	11	50	years	year	NOUN
fsr-3402	11	51	.	.	PUNCT
fsr-3402	12	1	the	the	DET
fsr-3402	12	2	authors	author	NOUN
fsr-3402	12	3	compute	compute	VERB
fsr-3402	12	4	breakeven	breakeven	NOUN
fsr-3402	12	5	rates	rate	NOUN
fsr-3402	12	6	of	of	ADP
fsr-3402	12	7	return	return	NOUN
fsr-3402	12	8	on	on	ADP
fsr-3402	12	9	investment	investment	NOUN
fsr-3402	12	10	where	where	SCONJ
fsr-3402	12	11	the	the	DET
fsr-3402	12	12	roth	roth	NOUN
fsr-3402	12	13	is	be	AUX
fsr-3402	12	14	preferred	prefer	VERB
fsr-3402	12	15	to	to	ADP
fsr-3402	12	16	the	the	DET
fsr-3402	12	17	traditional	traditional	ADJ
fsr-3402	12	18	are	be	AUX
fsr-3402	12	19	higher	high	ADJ
fsr-3402	12	20	with	with	ADP
fsr-3402	12	21	the	the	DET
fsr-3402	12	22	new	new	ADJ
fsr-3402	12	23	tax	tax	NOUN
fsr-3402	12	24	law	law	NOUN
fsr-3402	12	25	.	.	PUNCT
fsr-3402	13	1	the	the	PRON
fsr-3402	13	2	utilize	utilize	VERB
fsr-3402	13	3	a	a	DET
fsr-3402	13	4	spreadsheet	spreadsheet	NOUN
fsr-3402	13	5	model	model	NOUN
fsr-3402	13	6	for	for	ADP
fsr-3402	13	7	investors	investor	NOUN
fsr-3402	13	8	who	who	PRON
fsr-3402	13	9	do	do	AUX
fsr-3402	13	10	not	not	PART
fsr-3402	13	11	invest	invest	VERB
fsr-3402	13	12	the	the	DET
fsr-3402	13	13	tax	tax	NOUN
fsr-3402	13	14	savings	saving	NOUN
fsr-3402	13	15	and	and	CCONJ
fsr-3402	13	16	find	find	VERB
fsr-3402	13	17	that	that	SCONJ
fsr-3402	13	18	in	in	ADP
fsr-3402	13	19	this	this	DET
fsr-3402	13	20	case	case	NOUN
fsr-3402	13	21	the	the	DET
fsr-3402	13	22	traditional	traditional	ADJ
fsr-3402	13	23	ira	ira	PROPN
fsr-3402	13	24	can	can	AUX
fsr-3402	13	25	be	be	AUX
fsr-3402	13	26	a	a	DET
fsr-3402	13	27	better	well	ADJ
fsr-3402	13	28	choice	choice	NOUN
fsr-3402	13	29	for	for	ADP
fsr-3402	13	30	many	many	ADJ
fsr-3402	13	31	moderate	moderate	ADJ
fsr-3402	13	32	income	income	NOUN
fsr-3402	13	33	individuals	individual	NOUN
fsr-3402	13	34	.	.	PUNCT
fsr-3402	14	1	the	the	DET
fsr-3402	14	2	third	third	ADJ
fsr-3402	14	3	article	article	NOUN
fsr-3402	14	4	,	,	PUNCT
fsr-3402	14	5	“	"	PUNCT
fsr-3402	14	6	local	local	ADJ
fsr-3402	14	7	creative	creative	ADJ
fsr-3402	14	8	culture	culture	NOUN
fsr-3402	14	9	and	and	CCONJ
fsr-3402	14	10	dividend	dividend	NOUN
fsr-3402	14	11	policy	policy	NOUN
fsr-3402	14	12	”	"	PUNCT
fsr-3402	14	13	is	be	AUX
fsr-3402	14	14	coauthored	coauthore	VERB
fsr-3402	14	15	by	by	ADP
fsr-3402	14	16	erdem	erdem	PROPN
fsr-3402	14	17	ucar	ucar	NOUN
fsr-3402	14	18	and	and	CCONJ
fsr-3402	14	19	arsenio	arsenio	PROPN
fsr-3402	14	20	staer	staer	PROPN
fsr-3402	14	21	,	,	PUNCT
fsr-3402	14	22	both	both	CCONJ
fsr-3402	14	23	at	at	ADP
fsr-3402	14	24	california	california	PROPN
fsr-3402	14	25	state	state	PROPN
fsr-3402	14	26	university	university	PROPN
fsr-3402	14	27	fullerton	fullerton	PROPN
fsr-3402	14	28	.	.	PUNCT
fsr-3402	15	1	the	the	DET
fsr-3402	15	2	authors	author	NOUN
fsr-3402	15	3	examine	examine	VERB
fsr-3402	15	4	the	the	DET
fsr-3402	15	5	role	role	NOUN
fsr-3402	15	6	of	of	ADP
fsr-3402	15	7	local	local	ADJ
fsr-3402	15	8	risk	risk	NOUN
fsr-3402	15	9	-	-	PUNCT
fsr-3402	15	10	taking	take	VERB
fsr-3402	15	11	propensity	propensity	NOUN
fsr-3402	15	12	on	on	ADP
fsr-3402	15	13	dividend	dividend	NOUN
fsr-3402	15	14	demand	demand	NOUN
fsr-3402	15	15	by	by	ADP
fsr-3402	15	16	using	use	VERB
fsr-3402	15	17	local	local	ADJ
fsr-3402	15	18	creative	creative	ADJ
fsr-3402	15	19	culture	culture	NOUN
fsr-3402	15	20	as	as	ADP
fsr-3402	15	21	a	a	DET
fsr-3402	15	22	measure	measure	NOUN
fsr-3402	15	23	of	of	ADP
fsr-3402	15	24	local	local	ADJ
fsr-3402	15	25	risk	risk	NOUN
fsr-3402	15	26	-	-	PUNCT
fsr-3402	15	27	taking	taking	NOUN
fsr-3402	15	28	.	.	PUNCT
fsr-3402	16	1	they	they	PRON
fsr-3402	16	2	find	find	VERB
fsr-3402	16	3	that	that	SCONJ
fsr-3402	16	4	firms	firm	NOUN
fsr-3402	16	5	located	locate	VERB
fsr-3402	16	6	in	in	ADP
fsr-3402	16	7	areas	area	NOUN
fsr-3402	16	8	with	with	ADP
fsr-3402	16	9	a	a	DET
fsr-3402	16	10	strong	strong	ADJ
fsr-3402	16	11	creative	creative	ADJ
fsr-3402	16	12	culture	culture	NOUN
fsr-3402	16	13	are	be	AUX
fsr-3402	16	14	less	less	ADV
fsr-3402	16	15	likely	likely	ADJ
fsr-3402	16	16	to	to	PART
fsr-3402	16	17	pay	pay	VERB
fsr-3402	16	18	and	and	CCONJ
fsr-3402	16	19	initiate	initiate	VERB
fsr-3402	16	20	dividends	dividend	NOUN
fsr-3402	16	21	and	and	CCONJ
fsr-3402	16	22	exhibit	exhibit	VERB
fsr-3402	16	23	lower	low	ADJ
fsr-3402	16	24	levels	level	NOUN
fsr-3402	16	25	of	of	ADP
fsr-3402	16	26	dividend	dividend	NOUN
fsr-3402	16	27	yield	yield	NOUN
fsr-3402	16	28	.	.	PUNCT
fsr-3402	17	1	the	the	DET
fsr-3402	17	2	paper	paper	NOUN
fsr-3402	17	3	also	also	ADV
fsr-3402	17	4	highlights	highlight	VERB
fsr-3402	17	5	the	the	DET
fsr-3402	17	6	local	local	ADJ
fsr-3402	17	7	component	component	NOUN
fsr-3402	17	8	of	of	ADP
fsr-3402	17	9	corporate	corporate	ADJ
fsr-3402	17	10	dividend	dividend	NOUN
fsr-3402	17	11	policies	policy	NOUN
fsr-3402	17	12	and	and	CCONJ
fsr-3402	17	13	offers	offer	VERB
fsr-3402	17	14	additional	additional	ADJ
fsr-3402	17	15	evidence	evidence	NOUN
fsr-3402	17	16	supporting	support	VERB
fsr-3402	17	17	dividend	dividend	NOUN
fsr-3402	17	18	catering	catering	NOUN
fsr-3402	17	19	theory	theory	NOUN
fsr-3402	17	20	.	.	PUNCT
fsr-3402	18	1	they	they	PRON
fsr-3402	18	2	indicate	indicate	VERB
fsr-3402	18	3	that	that	SCONJ
fsr-3402	18	4	these	these	DET
fsr-3402	18	5	results	result	NOUN
fsr-3402	18	6	underscore	underscore	VERB
fsr-3402	18	7	the	the	DET
fsr-3402	18	8	importance	importance	NOUN
fsr-3402	18	9	of	of	ADP
fsr-3402	18	10	cultural	cultural	ADJ
fsr-3402	18	11	determinants	determinant	NOUN
fsr-3402	18	12	of	of	ADP
fsr-3402	18	13	investors	investor	NOUN
fsr-3402	18	14	’	’	PART
fsr-3402	18	15	risk	risk	NOUN
fsr-3402	18	16	-	-	PUNCT
fsr-3402	18	17	taking	taking	NOUN
fsr-3402	18	18	for	for	ADP
fsr-3402	18	19	financial	financial	ADJ
fsr-3402	18	20	industry	industry	NOUN
fsr-3402	18	21	participants	participant	NOUN
fsr-3402	18	22	.	.	PUNCT
fsr-3402	19	1	financial	financial	ADJ
fsr-3402	19	2	services	service	NOUN
fsr-3402	19	3	review	review	VERB
fsr-3402	19	4	27	27	NUM
fsr-3402	19	5	(	(	PUNCT
fsr-3402	19	6	2018	2018	NUM
fsr-3402	19	7	)	)	PUNCT
fsr-3402	19	8	v	v	NOUN
fsr-3402	19	9	–	–	PUNCT
fsr-3402	19	10	vi	vi	NOUN
fsr-3402	19	11	1057	1057	NUM
fsr-3402	19	12	-	-	SYM
fsr-3402	19	13	0810/18/$	0810/18/$	NUM
fsr-3402	19	14	–	–	PUNCT
fsr-3402	19	15	see	see	VERB
fsr-3402	19	16	front	front	ADJ
fsr-3402	19	17	matter	matter	NOUN
fsr-3402	19	18	©	©	PROPN
fsr-3402	19	19	2018	2018	NUM
fsr-3402	19	20	academy	academy	NOUN
fsr-3402	19	21	of	of	ADP
fsr-3402	19	22	financial	financial	ADJ
fsr-3402	19	23	services	service	NOUN
fsr-3402	19	24	.	.	PUNCT
fsr-3402	20	1	all	all	DET
fsr-3402	20	2	rights	right	NOUN
fsr-3402	20	3	reserved	reserve	VERB
fsr-3402	20	4	.	.	PUNCT
fsr-3402	21	1	the	the	DET
fsr-3402	21	2	fourth	fourth	ADJ
fsr-3402	21	3	article	article	NOUN
fsr-3402	21	4	,	,	PUNCT
fsr-3402	21	5	“	"	PUNCT
fsr-3402	21	6	financial	financial	ADJ
fsr-3402	21	7	capability	capability	NOUN
fsr-3402	21	8	:	:	PUNCT
fsr-3402	21	9	literacy	literacy	NOUN
fsr-3402	21	10	,	,	PUNCT
fsr-3402	21	11	behavior	behavior	NOUN
fsr-3402	21	12	,	,	PUNCT
fsr-3402	21	13	and	and	CCONJ
fsr-3402	21	14	distress	distress	NOUN
fsr-3402	21	15	”	"	PUNCT
fsr-3402	21	16	is	be	AUX
fsr-3402	21	17	coauthored	coauthore	VERB
fsr-3402	21	18	by	by	ADP
fsr-3402	21	19	janine	janine	PROPN
fsr-3402	21	20	k.	k.	PROPN
fsr-3402	21	21	scott	scott	PROPN
fsr-3402	21	22	,	,	PUNCT
fsr-3402	21	23	at	at	ADP
fsr-3402	21	24	shepherd	shepherd	ADJ
fsr-3402	21	25	university	university	NOUN
fsr-3402	21	26	,	,	PUNCT
fsr-3402	21	27	nghia	nghia	NOUN
fsr-3402	21	28	nguyen	nguyen	NOUN
fsr-3402	21	29	at	at	ADP
fsr-3402	21	30	massey	massey	PROPN
fsr-3402	21	31	university	university	PROPN
fsr-3402	21	32	,	,	PUNCT
fsr-3402	21	33	yuanshan	yuanshan	PROPN
fsr-3402	21	34	cheng	cheng	PROPN
fsr-3402	21	35	at	at	ADP
fsr-3402	21	36	winthrop	winthrop	PROPN
fsr-3402	21	37	university	university	PROPN
fsr-3402	21	38	,	,	PUNCT
fsr-3402	21	39	and	and	CCONJ
fsr-3402	21	40	philip	philip	PROPN
fsr-3402	21	41	gibson	gibson	PROPN
fsr-3402	21	42	at	at	ADP
fsr-3402	21	43	winthrop	winthrop	PROPN
fsr-3402	21	44	university	university	PROPN
fsr-3402	21	45	.	.	PUNCT
fsr-3402	22	1	in	in	ADP
fsr-3402	22	2	this	this	DET
fsr-3402	22	3	paper	paper	NOUN
fsr-3402	22	4	the	the	DET
fsr-3402	22	5	authors	author	NOUN
fsr-3402	22	6	investigate	investigate	VERB
fsr-3402	22	7	the	the	DET
fsr-3402	22	8	influence	influence	NOUN
fsr-3402	22	9	of	of	ADP
fsr-3402	22	10	individual	individual	ADJ
fsr-3402	22	11	financial	financial	ADJ
fsr-3402	22	12	knowledge	knowledge	NOUN
fsr-3402	22	13	and	and	CCONJ
fsr-3402	22	14	financial	financial	ADJ
fsr-3402	22	15	behavior	behavior	NOUN
fsr-3402	22	16	on	on	ADP
fsr-3402	22	17	the	the	DET
fsr-3402	22	18	probability	probability	NOUN
fsr-3402	22	19	of	of	ADP
fsr-3402	22	20	experiencing	experience	VERB
fsr-3402	22	21	financial	financial	ADJ
fsr-3402	22	22	distress	distress	NOUN
fsr-3402	22	23	.	.	PUNCT
fsr-3402	23	1	they	they	PRON
fsr-3402	23	2	examine	examine	VERB
fsr-3402	23	3	three	three	NUM
fsr-3402	23	4	measures	measure	NOUN
fsr-3402	23	5	of	of	ADP
fsr-3402	23	6	financial	financial	ADJ
fsr-3402	23	7	distress	distress	NOUN
fsr-3402	23	8	related	relate	VERB
fsr-3402	23	9	to	to	ADP
fsr-3402	23	10	bill	bill	NOUN
fsr-3402	23	11	payment	payment	NOUN
fsr-3402	23	12	,	,	PUNCT
fsr-3402	23	13	retirement	retirement	NOUN
fsr-3402	23	14	saving	saving	NOUN
fsr-3402	23	15	,	,	PUNCT
fsr-3402	23	16	and	and	CCONJ
fsr-3402	23	17	being	be	AUX
fsr-3402	23	18	late	late	ADJ
fsr-3402	23	19	with	with	ADP
fsr-3402	23	20	a	a	DET
fsr-3402	23	21	mortgage	mortgage	NOUN
fsr-3402	23	22	payment	payment	NOUN
fsr-3402	23	23	.	.	PUNCT
fsr-3402	24	1	they	they	PRON
fsr-3402	24	2	construct	construct	VERB
fsr-3402	24	3	financial	financial	ADJ
fsr-3402	24	4	literacy	literacy	NOUN
fsr-3402	24	5	and	and	CCONJ
fsr-3402	24	6	financial	financial	ADJ
fsr-3402	24	7	behavior	behavior	NOUN
fsr-3402	24	8	indices	index	NOUN
fsr-3402	24	9	using	use	VERB
fsr-3402	24	10	questions	question	NOUN
fsr-3402	24	11	from	from	ADP
fsr-3402	24	12	the	the	DET
fsr-3402	24	13	survey	survey	NOUN
fsr-3402	24	14	that	that	PRON
fsr-3402	24	15	pertain	pertain	VERB
fsr-3402	24	16	to	to	ADP
fsr-3402	24	17	financial	financial	ADJ
fsr-3402	24	18	knowledge	knowledge	NOUN
fsr-3402	24	19	and	and	CCONJ
fsr-3402	24	20	financial	financial	ADJ
fsr-3402	24	21	decision	decision	NOUN
fsr-3402	24	22	-	-	PUNCT
fsr-3402	24	23	making	making	NOUN
fsr-3402	24	24	.	.	PUNCT
fsr-3402	25	1	they	they	PRON
fsr-3402	25	2	conclude	conclude	VERB
fsr-3402	25	3	that	that	SCONJ
fsr-3402	25	4	financial	financial	ADJ
fsr-3402	25	5	literacy	literacy	NOUN
fsr-3402	25	6	and	and	CCONJ
fsr-3402	25	7	positive	positive	ADJ
fsr-3402	25	8	behavior	behavior	NOUN
fsr-3402	25	9	reduces	reduce	VERB
fsr-3402	25	10	financial	financial	ADJ
fsr-3402	25	11	distress	distress	NOUN
fsr-3402	25	12	stemming	stem	VERB
fsr-3402	25	13	from	from	ADP
fsr-3402	25	14	simple	simple	ADJ
fsr-3402	25	15	financial	financial	ADJ
fsr-3402	25	16	matters	matter	NOUN
fsr-3402	25	17	.	.	PUNCT
fsr-3402	26	1	although	although	SCONJ
fsr-3402	26	2	they	they	PRON
fsr-3402	26	3	find	find	VERB
fsr-3402	26	4	the	the	DET
fsr-3402	26	5	opposite	opposite	ADJ
fsr-3402	26	6	result	result	NOUN
fsr-3402	26	7	for	for	ADP
fsr-3402	26	8	more	more	ADJ
fsr-3402	26	9	complex	complex	ADJ
fsr-3402	26	10	financial	financial	ADJ
fsr-3402	26	11	decisions	decision	NOUN
fsr-3402	26	12	.	.	PUNCT
fsr-3402	27	1	the	the	DET
fsr-3402	27	2	final	final	ADJ
fsr-3402	27	3	article	article	NOUN
fsr-3402	27	4	,	,	PUNCT
fsr-3402	27	5	“	"	PUNCT
fsr-3402	27	6	risk	risk	NOUN
fsr-3402	27	7	and	and	CCONJ
fsr-3402	27	8	reward	reward	NOUN
fsr-3402	27	9	of	of	ADP
fsr-3402	27	10	fractionally	fractionally	ADV
fsr-3402	27	11	-	-	PUNCT
fsr-3402	27	12	leveraged	leverage	VERB
fsr-3402	27	13	etfs	etfs	NOUN
fsr-3402	27	14	in	in	ADP
fsr-3402	27	15	a	a	DET
fsr-3402	27	16	stock	stock	NOUN
fsr-3402	27	17	/	/	SYM
fsr-3402	27	18	bond	bond	NOUN
fsr-3402	27	19	portfolio	portfolio	NOUN
fsr-3402	27	20	”	"	PUNCT
fsr-3402	27	21	is	be	AUX
fsr-3402	27	22	authored	author	VERB
fsr-3402	27	23	by	by	ADP
fsr-3402	27	24	james	james	PROPN
fsr-3402	27	25	dilellio	dilellio	PROPN
fsr-3402	27	26	at	at	ADP
fsr-3402	27	27	pepperdine	pepperdine	PROPN
fsr-3402	27	28	university	university	PROPN
fsr-3402	27	29	.	.	PUNCT
fsr-3402	28	1	the	the	DET
fsr-3402	28	2	author	author	NOUN
fsr-3402	28	3	investigates	investigate	VERB
fsr-3402	28	4	using	use	VERB
fsr-3402	28	5	1.25x	1.25x	NUM
fsr-3402	28	6	leveraged	leveraged	ADJ
fsr-3402	28	7	stock	stock	NOUN
fsr-3402	28	8	and	and	CCONJ
fsr-3402	28	9	bond	bond	NOUN
fsr-3402	28	10	exchange	exchange	NOUN
fsr-3402	28	11	-	-	PUNCT
fsr-3402	28	12	traded	trade	VERB
fsr-3402	28	13	funds	fund	NOUN
fsr-3402	28	14	(	(	PUNCT
fsr-3402	28	15	etfs	etfs	PROPN
fsr-3402	28	16	)	)	PUNCT
fsr-3402	28	17	as	as	ADP
fsr-3402	28	18	an	an	DET
fsr-3402	28	19	asset	asset	NOUN
fsr-3402	28	20	allocation	allocation	NOUN
fsr-3402	28	21	strategy	strategy	NOUN
fsr-3402	28	22	.	.	PUNCT
fsr-3402	29	1	he	he	PRON
fsr-3402	29	2	analyzes	analyze	VERB
fsr-3402	29	3	performance	performance	NOUN
fsr-3402	29	4	by	by	ADP
fsr-3402	29	5	replicating	replicate	VERB
fsr-3402	29	6	funds	fund	NOUN
fsr-3402	29	7	from	from	ADP
fsr-3402	29	8	1989–2017	1989–2017	NUM
fsr-3402	29	9	and	and	CCONJ
fsr-3402	29	10	conducts	conduct	VERB
fsr-3402	29	11	simulations	simulation	NOUN
fsr-3402	29	12	to	to	PART
fsr-3402	29	13	assess	assess	VERB
fsr-3402	29	14	performance	performance	NOUN
fsr-3402	29	15	under	under	ADP
fsr-3402	29	16	a	a	DET
fsr-3402	29	17	variety	variety	NOUN
fsr-3402	29	18	of	of	ADP
fsr-3402	29	19	market	market	NOUN
fsr-3402	29	20	conditions	condition	NOUN
fsr-3402	29	21	,	,	PUNCT
fsr-3402	29	22	and	and	CCONJ
fsr-3402	29	23	demonstrate	demonstrate	VERB
fsr-3402	29	24	opportunities	opportunity	NOUN
fsr-3402	29	25	for	for	ADP
fsr-3402	29	26	excess	excess	ADJ
fsr-3402	29	27	returns	return	NOUN
fsr-3402	29	28	over	over	ADP
fsr-3402	29	29	unlevered	unlevered	ADJ
fsr-3402	29	30	funds	fund	NOUN
fsr-3402	29	31	in	in	ADP
fsr-3402	29	32	a	a	DET
fsr-3402	29	33	60/40	60/40	NUM
fsr-3402	29	34	stock	stock	NOUN
fsr-3402	29	35	/	/	SYM
fsr-3402	29	36	bond	bond	NOUN
fsr-3402	29	37	allocation	allocation	NOUN
fsr-3402	29	38	.	.	PUNCT
fsr-3402	30	1	these	these	DET
fsr-3402	30	2	results	result	NOUN
fsr-3402	30	3	are	be	AUX
fsr-3402	30	4	accomplished	accomplish	VERB
fsr-3402	30	5	with	with	ADP
fsr-3402	30	6	a	a	DET
fsr-3402	30	7	small	small	ADJ
fsr-3402	30	8	reduction	reduction	NOUN
fsr-3402	30	9	in	in	ADP
fsr-3402	30	10	the	the	DET
fsr-3402	30	11	sharpe	sharpe	NOUN
fsr-3402	30	12	ratio	ratio	NOUN
fsr-3402	30	13	and	and	CCONJ
fsr-3402	30	14	no	no	DET
fsr-3402	30	15	need	need	NOUN
fsr-3402	30	16	to	to	PART
fsr-3402	30	17	access	access	VERB
fsr-3402	30	18	margin	margin	NOUN
fsr-3402	30	19	.	.	PUNCT
fsr-3402	31	1	he	he	PRON
fsr-3402	31	2	concludes	conclude	VERB
fsr-3402	31	3	that	that	SCONJ
fsr-3402	31	4	this	this	DET
fsr-3402	31	5	asset	asset	NOUN
fsr-3402	31	6	allocation	allocation	NOUN
fsr-3402	31	7	strategy	strategy	NOUN
fsr-3402	31	8	could	could	AUX
fsr-3402	31	9	be	be	AUX
fsr-3402	31	10	well	well	ADV
fsr-3402	31	11	suited	suited	ADJ
fsr-3402	31	12	for	for	ADP
fsr-3402	31	13	investors	investor	NOUN
fsr-3402	31	14	more	more	ADV
fsr-3402	31	15	interested	interested	ADJ
fsr-3402	31	16	in	in	ADP
fsr-3402	31	17	total	total	ADJ
fsr-3402	31	18	returns	return	NOUN
fsr-3402	31	19	during	during	ADP
fsr-3402	31	20	upward	upward	ADJ
fsr-3402	31	21	trending	trend	VERB
fsr-3402	31	22	markets	market	NOUN
fsr-3402	31	23	.	.	PUNCT
fsr-3402	32	1	thanks	thank	NOUN
fsr-3402	32	2	to	to	ADP
fsr-3402	32	3	those	those	PRON
fsr-3402	32	4	who	who	PRON
fsr-3402	32	5	make	make	VERB
fsr-3402	32	6	the	the	DET
fsr-3402	32	7	journal	journal	NOUN
fsr-3402	32	8	possible	possible	ADJ
fsr-3402	32	9	,	,	PUNCT
fsr-3402	32	10	especially	especially	ADV
fsr-3402	32	11	the	the	DET
fsr-3402	32	12	referees	referee	NOUN
fsr-3402	32	13	and	and	CCONJ
fsr-3402	32	14	contributing	contribute	VERB
fsr-3402	32	15	authors	author	NOUN
fsr-3402	32	16	.	.	PUNCT
fsr-3402	33	1	over	over	ADP
fsr-3402	33	2	the	the	DET
fsr-3402	33	3	past	past	ADJ
fsr-3402	33	4	year	year	NOUN
fsr-3402	33	5	,	,	PUNCT
fsr-3402	33	6	the	the	DET
fsr-3402	33	7	following	follow	VERB
fsr-3402	33	8	reviewers	reviewer	NOUN
fsr-3402	33	9	provided	provide	VERB
fsr-3402	33	10	excellent	excellent	ADJ
fsr-3402	33	11	reviews	review	NOUN
fsr-3402	33	12	of	of	ADP
fsr-3402	33	13	the	the	DET
fsr-3402	33	14	articles	article	NOUN
fsr-3402	33	15	you	you	PRON
fsr-3402	33	16	enjoyed	enjoy	VERB
fsr-3402	33	17	within	within	ADP
fsr-3402	33	18	the	the	DET
fsr-3402	33	19	pages	page	NOUN
fsr-3402	33	20	of	of	ADP
fsr-3402	33	21	financial	financial	ADJ
fsr-3402	33	22	services	service	NOUN
fsr-3402	33	23	review	review	NOUN
fsr-3402	33	24	.	.	PUNCT
fsr-3402	34	1	i	i	PRON
fsr-3402	34	2	would	would	AUX
fsr-3402	34	3	like	like	VERB
fsr-3402	34	4	to	to	PART
fsr-3402	34	5	send	send	VERB
fsr-3402	34	6	a	a	DET
fsr-3402	34	7	special	special	ADJ
fsr-3402	34	8	thank	thank	NOUN
fsr-3402	34	9	you	you	PRON
fsr-3402	34	10	to	to	ADP
fsr-3402	34	11	the	the	DET
fsr-3402	34	12	many	many	ADJ
fsr-3402	34	13	reviewers	reviewer	NOUN
fsr-3402	34	14	that	that	PRON
fsr-3402	34	15	have	have	AUX
fsr-3402	34	16	significantly	significantly	ADV
fsr-3402	34	17	contributed	contribute	VERB
fsr-3402	34	18	to	to	ADP
fsr-3402	34	19	the	the	DET
fsr-3402	34	20	quality	quality	NOUN
fsr-3402	34	21	of	of	ADP
fsr-3402	34	22	our	our	PRON
fsr-3402	34	23	journal	journal	NOUN
fsr-3402	34	24	by	by	ADP
fsr-3402	34	25	providing	provide	VERB
fsr-3402	34	26	timely	timely	ADJ
fsr-3402	34	27	and	and	CCONJ
fsr-3402	34	28	thorough	thorough	ADJ
fsr-3402	34	29	reviews	review	NOUN
fsr-3402	34	30	of	of	ADP
fsr-3402	34	31	the	the	DET
fsr-3402	34	32	submissions	submission	NOUN
fsr-3402	34	33	to	to	ADP
fsr-3402	34	34	our	our	PRON
fsr-3402	34	35	journal	journal	NOUN
fsr-3402	34	36	.	.	PUNCT
fsr-3402	35	1	please	please	INTJ
fsr-3402	35	2	consider	consider	VERB
fsr-3402	35	3	submission	submission	NOUN
fsr-3402	35	4	to	to	ADP
fsr-3402	35	5	the	the	DET
fsr-3402	35	6	financial	financial	ADJ
fsr-3402	35	7	services	service	NOUN
fsr-3402	35	8	review	review	NOUN
fsr-3402	35	9	and	and	CCONJ
fsr-3402	35	10	rely	rely	VERB
fsr-3402	35	11	on	on	ADP
fsr-3402	35	12	the	the	DET
fsr-3402	35	13	style	style	NOUN
fsr-3402	35	14	information	information	NOUN
fsr-3402	35	15	provided	provide	VERB
fsr-3402	35	16	to	to	PART
fsr-3402	35	17	ease	ease	VERB
fsr-3402	35	18	readability	readability	NOUN
fsr-3402	35	19	and	and	CCONJ
fsr-3402	35	20	streamline	streamline	VERB
fsr-3402	35	21	the	the	DET
fsr-3402	35	22	review	review	NOUN
fsr-3402	35	23	process	process	NOUN
fsr-3402	35	24	.	.	PUNCT
fsr-3402	36	1	the	the	DET
fsr-3402	36	2	journal	journal	NOUN
fsr-3402	36	3	welcomes	welcome	VERB
fsr-3402	36	4	articles	article	NOUN
fsr-3402	36	5	over	over	ADP
fsr-3402	36	6	the	the	DET
fsr-3402	36	7	range	range	NOUN
fsr-3402	36	8	of	of	ADP
fsr-3402	36	9	areas	area	NOUN
fsr-3402	36	10	that	that	PRON
fsr-3402	36	11	comprise	comprise	VERB
fsr-3402	36	12	personal	personal	ADJ
fsr-3402	36	13	financial	financial	ADJ
fsr-3402	36	14	planning	planning	NOUN
fsr-3402	36	15	.	.	PUNCT
fsr-3402	37	1	while	while	SCONJ
fsr-3402	37	2	fsr	fsr	PROPN
fsr-3402	37	3	articles	article	NOUN
fsr-3402	37	4	are	be	AUX
fsr-3402	37	5	certainly	certainly	ADV
fsr-3402	37	6	diverse	diverse	ADJ
fsr-3402	37	7	in	in	ADP
fsr-3402	37	8	terms	term	NOUN
fsr-3402	37	9	of	of	ADP
fsr-3402	37	10	topic	topic	NOUN
fsr-3402	37	11	,	,	PUNCT
fsr-3402	37	12	data	datum	NOUN
fsr-3402	37	13	,	,	PUNCT
fsr-3402	37	14	and	and	CCONJ
fsr-3402	37	15	method	method	NOUN
fsr-3402	37	16	,	,	PUNCT
fsr-3402	37	17	they	they	PRON
fsr-3402	37	18	are	be	AUX
fsr-3402	37	19	focused	focus	VERB
fsr-3402	37	20	in	in	ADP
fsr-3402	37	21	terms	term	NOUN
fsr-3402	37	22	of	of	ADP
fsr-3402	37	23	motivation	motivation	NOUN
fsr-3402	37	24	.	.	PUNCT
fsr-3402	38	1	fsr	fsr	PROPN
fsr-3402	38	2	exists	exist	VERB
fsr-3402	38	3	to	to	PART
fsr-3402	38	4	produce	produce	VERB
fsr-3402	38	5	research	research	NOUN
fsr-3402	38	6	that	that	PRON
fsr-3402	38	7	addresses	address	VERB
fsr-3402	38	8	issues	issue	NOUN
fsr-3402	38	9	that	that	PRON
fsr-3402	38	10	matter	matter	VERB
fsr-3402	38	11	to	to	ADP
fsr-3402	38	12	individuals	individual	NOUN
fsr-3402	38	13	.	.	PUNCT
fsr-3402	39	1	i	i	PRON
fsr-3402	39	2	remain	remain	VERB
fsr-3402	39	3	committed	committed	ADJ
fsr-3402	39	4	to	to	ADP
fsr-3402	39	5	the	the	DET
fsr-3402	39	6	goal	goal	NOUN
fsr-3402	39	7	of	of	ADP
fsr-3402	39	8	making	make	VERB
fsr-3402	39	9	financial	financial	ADJ
fsr-3402	39	10	services	service	NOUN
fsr-3402	39	11	review	review	VERB
fsr-3402	39	12	the	the	DET
fsr-3402	39	13	best	good	ADJ
fsr-3402	39	14	academic	academic	ADJ
fsr-3402	39	15	journal	journal	NOUN
fsr-3402	39	16	in	in	ADP
fsr-3402	39	17	individual	individual	ADJ
fsr-3402	39	18	financial	financial	ADJ
fsr-3402	39	19	management	management	NOUN
fsr-3402	39	20	and	and	CCONJ
fsr-3402	39	21	personal	personal	ADJ
fsr-3402	39	22	financial	financial	ADJ
fsr-3402	39	23	planning	planning	NOUN
fsr-3402	39	24	.	.	PUNCT
fsr-3402	40	1	best	good	ADJ
fsr-3402	40	2	regards	regard	VERB
fsr-3402	40	3	,	,	PUNCT
fsr-3402	40	4	stuart	stuart	PROPN
fsr-3402	40	5	michelson	michelson	PROPN
fsr-3402	40	6	editor	editor	PROPN
fsr-3402	40	7	financial	financial	PROPN
fsr-3402	40	8	services	services	PROPN
fsr-3402	40	9	review	review	VERB
fsr-3402	40	10	vi	vi	PROPN
fsr-3402	40	11	editorial	editorial	NOUN
fsr-3402	40	12	/	/	SYM
fsr-3402	40	13	financial	financial	ADJ
fsr-3402	40	14	services	service	NOUN
fsr-3402	40	15	review	review	VERB
fsr-3402	40	16	27	27	NUM
fsr-3402	40	17	(	(	PUNCT
fsr-3402	40	18	2018	2018	NUM
fsr-3402	40	19	)	)	PUNCT
fsr-3402	40	20	v	v	NOUN
fsr-3402	40	21	–	–	PUNCT
fsr-3402	40	22	vi	vi	NOUN