id	sid	tid	token	lemma	pos
fsr-3418	1	1	from	from	ADP
fsr-3418	1	2	the	the	DET
fsr-3418	1	3	editor	editor	NOUN
fsr-3418	1	4	this	this	DET
fsr-3418	1	5	issue	issue	NOUN
fsr-3418	1	6	contains	contain	VERB
fsr-3418	1	7	volume	volume	NOUN
fsr-3418	1	8	28	28	NUM
fsr-3418	1	9	issue	issue	NOUN
fsr-3418	1	10	2	2	NUM
fsr-3418	1	11	of	of	ADP
fsr-3418	1	12	financial	financial	ADJ
fsr-3418	1	13	services	service	NOUN
fsr-3418	1	14	review	review	NOUN
fsr-3418	1	15	(	(	PUNCT
fsr-3418	1	16	fsr	fsr	PROPN
fsr-3418	1	17	)	)	PUNCT
fsr-3418	1	18	.	.	PUNCT
fsr-3418	2	1	i	i	PRON
fsr-3418	2	2	would	would	AUX
fsr-3418	2	3	like	like	VERB
fsr-3418	2	4	to	to	PART
fsr-3418	2	5	thank	thank	VERB
fsr-3418	2	6	the	the	DET
fsr-3418	2	7	board	board	NOUN
fsr-3418	2	8	and	and	CCONJ
fsr-3418	2	9	members	member	NOUN
fsr-3418	2	10	of	of	ADP
fsr-3418	2	11	the	the	DET
fsr-3418	2	12	academy	academy	NOUN
fsr-3418	2	13	of	of	ADP
fsr-3418	2	14	financial	financial	ADJ
fsr-3418	2	15	services	service	NOUN
fsr-3418	2	16	for	for	ADP
fsr-3418	2	17	their	their	PRON
fsr-3418	2	18	continued	continue	VERB
fsr-3418	2	19	support	support	NOUN
fsr-3418	2	20	.	.	PUNCT
fsr-3418	3	1	i	i	PRON
fsr-3418	3	2	continue	continue	VERB
fsr-3418	3	3	to	to	PART
fsr-3418	3	4	work	work	VERB
fsr-3418	3	5	in	in	ADP
fsr-3418	3	6	broadening	broaden	VERB
fsr-3418	3	7	the	the	DET
fsr-3418	3	8	scope	scope	NOUN
fsr-3418	3	9	of	of	ADP
fsr-3418	3	10	articles	article	NOUN
fsr-3418	3	11	,	,	PUNCT
fsr-3418	3	12	while	while	SCONJ
fsr-3418	3	13	still	still	ADV
fsr-3418	3	14	focusing	focus	VERB
fsr-3418	3	15	on	on	ADP
fsr-3418	3	16	individual	individual	ADJ
fsr-3418	3	17	financial	financial	ADJ
fsr-3418	3	18	management	management	NOUN
fsr-3418	3	19	and	and	CCONJ
fsr-3418	3	20	personal	personal	ADJ
fsr-3418	3	21	financial	financial	ADJ
fsr-3418	3	22	planning	planning	NOUN
fsr-3418	3	23	.	.	PUNCT
fsr-3418	4	1	i	i	PRON
fsr-3418	4	2	encourage	encourage	VERB
fsr-3418	4	3	authors	author	NOUN
fsr-3418	4	4	to	to	PART
fsr-3418	4	5	reach	reach	VERB
fsr-3418	4	6	out	out	ADP
fsr-3418	4	7	when	when	SCONJ
fsr-3418	4	8	discussing	discuss	VERB
fsr-3418	4	9	implications	implication	NOUN
fsr-3418	4	10	of	of	ADP
fsr-3418	4	11	their	their	PRON
fsr-3418	4	12	findings	finding	NOUN
fsr-3418	4	13	in	in	ADP
fsr-3418	4	14	a	a	DET
fsr-3418	4	15	more	more	ADV
fsr-3418	4	16	comprehensive	comprehensive	ADJ
fsr-3418	4	17	way	way	NOUN
fsr-3418	4	18	.	.	PUNCT
fsr-3418	5	1	as	as	SCONJ
fsr-3418	5	2	such	such	ADJ
fsr-3418	5	3	,	,	PUNCT
fsr-3418	5	4	all	all	DET
fsr-3418	5	5	articles	article	NOUN
fsr-3418	5	6	in	in	ADP
fsr-3418	5	7	the	the	DET
fsr-3418	5	8	journal	journal	NOUN
fsr-3418	5	9	more	more	ADV
fsr-3418	5	10	appropriately	appropriately	ADV
fsr-3418	5	11	relate	relate	VERB
fsr-3418	5	12	to	to	ADP
fsr-3418	5	13	financial	financial	ADJ
fsr-3418	5	14	planning	planning	NOUN
fsr-3418	5	15	issues	issue	NOUN
fsr-3418	5	16	.	.	PUNCT
fsr-3418	6	1	the	the	DET
fsr-3418	6	2	lead	lead	ADJ
fsr-3418	6	3	article	article	NOUN
fsr-3418	6	4	“	"	PUNCT
fsr-3418	6	5	constructing	construct	VERB
fsr-3418	6	6	tax	tax	NOUN
fsr-3418	6	7	efficient	efficient	ADJ
fsr-3418	6	8	withdrawal	withdrawal	NOUN
fsr-3418	6	9	strategies	strategy	NOUN
fsr-3418	6	10	for	for	ADP
fsr-3418	6	11	retirees	retiree	NOUN
fsr-3418	6	12	with	with	ADP
fsr-3418	6	13	traditional	traditional	ADJ
fsr-3418	6	14	401(k)/iras	401(k)/ira	NOUN
fsr-3418	6	15	,	,	PUNCT
fsr-3418	6	16	roth	roth	NOUN
fsr-3418	6	17	401(k)/iras	401(k)/iras	NUM
fsr-3418	6	18	,	,	PUNCT
fsr-3418	6	19	and	and	CCONJ
fsr-3418	6	20	taxable	taxable	ADJ
fsr-3418	6	21	accounts	account	NOUN
fsr-3418	6	22	”	"	PUNCT
fsr-3418	6	23	is	be	AUX
fsr-3418	6	24	coauthored	coauthore	VERB
fsr-3418	6	25	by	by	ADP
fsr-3418	6	26	james	james	PROPN
fsr-3418	6	27	dilellio	dilellio	PROPN
fsr-3418	6	28	at	at	ADP
fsr-3418	6	29	pepperdine	pepperdine	PROPN
fsr-3418	6	30	and	and	CCONJ
fsr-3418	6	31	daniel	daniel	PROPN
fsr-3418	6	32	ostrov	ostrov	PROPN
fsr-3418	6	33	at	at	ADP
fsr-3418	6	34	santa	santa	PROPN
fsr-3418	6	35	clara	clara	PROPN
fsr-3418	6	36	university	university	PROPN
fsr-3418	6	37	.	.	PUNCT
fsr-3418	7	1	in	in	ADP
fsr-3418	7	2	this	this	DET
fsr-3418	7	3	paper	paper	NOUN
fsr-3418	7	4	,	,	PUNCT
fsr-3418	7	5	the	the	DET
fsr-3418	7	6	authors	author	NOUN
fsr-3418	7	7	construct	construct	VERB
fsr-3418	7	8	an	an	DET
fsr-3418	7	9	algorithm	algorithm	NOUN
fsr-3418	7	10	for	for	ADP
fsr-3418	7	11	u.s	u.s	PROPN
fsr-3418	7	12	.	.	PROPN
fsr-3418	7	13	retirees	retiree	NOUN
fsr-3418	7	14	that	that	PRON
fsr-3418	7	15	computes	compute	VERB
fsr-3418	7	16	individualized	individualized	ADJ
fsr-3418	7	17	tax	tax	NOUN
fsr-3418	7	18	efficient	efficient	ADJ
fsr-3418	7	19	annual	annual	ADJ
fsr-3418	7	20	withdrawals	withdrawal	NOUN
fsr-3418	7	21	from	from	ADP
fsr-3418	7	22	tax	tax	NOUN
fsr-3418	7	23	-	-	PUNCT
fsr-3418	7	24	deferred	defer	VERB
fsr-3418	7	25	,	,	PUNCT
fsr-3418	7	26	tax	tax	NOUN
fsr-3418	7	27	-	-	PUNCT
fsr-3418	7	28	exempt	exempt	ADJ
fsr-3418	7	29	,	,	PUNCT
fsr-3418	7	30	and	and	CCONJ
fsr-3418	7	31	taxable	taxable	ADJ
fsr-3418	7	32	accounts	account	NOUN
fsr-3418	7	33	.	.	PUNCT
fsr-3418	8	1	their	their	PRON
fsr-3418	8	2	approach	approach	NOUN
fsr-3418	8	3	determines	determine	VERB
fsr-3418	8	4	the	the	DET
fsr-3418	8	5	optimal	optimal	ADJ
fsr-3418	8	6	switching	switching	NOUN
fsr-3418	8	7	times	time	NOUN
fsr-3418	8	8	between	between	ADP
fsr-3418	8	9	tax	tax	NOUN
fsr-3418	8	10	-	-	PUNCT
fsr-3418	8	11	exempt	exempt	ADJ
fsr-3418	8	12	and	and	CCONJ
fsr-3418	8	13	taxable	taxable	ADJ
fsr-3418	8	14	account	account	NOUN
fsr-3418	8	15	consumption	consumption	NOUN
fsr-3418	8	16	,	,	PUNCT
fsr-3418	8	17	as	as	ADV
fsr-3418	8	18	well	well	ADV
fsr-3418	8	19	as	as	ADP
fsr-3418	8	20	between	between	ADP
fsr-3418	8	21	tax	tax	NOUN
fsr-3418	8	22	-	-	PUNCT
fsr-3418	8	23	deferred	defer	VERB
fsr-3418	8	24	and	and	CCONJ
fsr-3418	8	25	taxable	taxable	ADJ
fsr-3418	8	26	account	account	NOUN
fsr-3418	8	27	consumption	consumption	NOUN
fsr-3418	8	28	.	.	PUNCT
fsr-3418	9	1	their	their	PRON
fsr-3418	9	2	model	model	NOUN
fsr-3418	9	3	,	,	PUNCT
fsr-3418	9	4	accommodates	accommodate	VERB
fsr-3418	9	5	salient	salient	ADJ
fsr-3418	9	6	tax	tax	PROPN
fsr-3418	9	7	code	code	NOUN
fsr-3418	9	8	features	feature	NOUN
fsr-3418	9	9	,	,	PUNCT
fsr-3418	9	10	including	include	VERB
fsr-3418	9	11	dividends	dividend	NOUN
fsr-3418	9	12	,	,	PUNCT
fsr-3418	9	13	different	different	ADJ
fsr-3418	9	14	taxable	taxable	ADJ
fsr-3418	9	15	lots	lot	NOUN
fsr-3418	9	16	,	,	PUNCT
fsr-3418	9	17	and	and	CCONJ
fsr-3418	9	18	required	require	VERB
fsr-3418	9	19	minimum	minimum	ADJ
fsr-3418	9	20	distributions	distribution	NOUN
fsr-3418	9	21	.	.	PUNCT
fsr-3418	10	1	the	the	DET
fsr-3418	10	2	second	second	ADJ
fsr-3418	10	3	article	article	NOUN
fsr-3418	10	4	“	"	PUNCT
fsr-3418	10	5	the	the	DET
fsr-3418	10	6	perfect	perfect	ADJ
fsr-3418	10	7	withdrawal	withdrawal	NOUN
fsr-3418	10	8	amount	amount	NOUN
fsr-3418	10	9	over	over	ADP
fsr-3418	10	10	the	the	DET
fsr-3418	10	11	historical	historical	ADJ
fsr-3418	10	12	record	record	NOUN
fsr-3418	10	13	”	"	PUNCT
fsr-3418	10	14	is	be	AUX
fsr-3418	10	15	authored	author	VERB
fsr-3418	10	16	by	by	ADP
fsr-3418	10	17	e.	e.	PROPN
fsr-3418	10	18	dante	dante	PROPN
fsr-3418	10	19	suarez	suarez	PROPN
fsr-3418	10	20	at	at	ADP
fsr-3418	10	21	trinity	trinity	PROPN
fsr-3418	10	22	university	university	PROPN
fsr-3418	10	23	.	.	PUNCT
fsr-3418	11	1	in	in	ADP
fsr-3418	11	2	this	this	DET
fsr-3418	11	3	research	research	NOUN
fsr-3418	11	4	,	,	PUNCT
fsr-3418	11	5	the	the	DET
fsr-3418	11	6	author	author	NOUN
fsr-3418	11	7	determines	determine	VERB
fsr-3418	11	8	the	the	DET
fsr-3418	11	9	perfect	perfect	ADJ
fsr-3418	11	10	withdrawal	withdrawal	NOUN
fsr-3418	11	11	amount	amount	NOUN
fsr-3418	11	12	(	(	PUNCT
fsr-3418	11	13	pwa	pwa	PROPN
fsr-3418	11	14	)	)	PUNCT
fsr-3418	11	15	from	from	ADP
fsr-3418	11	16	retirement	retirement	NOUN
fsr-3418	11	17	savings	saving	NOUN
fsr-3418	11	18	accounts	account	NOUN
fsr-3418	11	19	.	.	PUNCT
fsr-3418	12	1	the	the	DET
fsr-3418	12	2	pwa	pwa	PROPN
fsr-3418	12	3	is	be	AUX
fsr-3418	12	4	that	that	PRON
fsr-3418	12	5	which	which	PRON
fsr-3418	12	6	,	,	PUNCT
fsr-3418	12	7	if	if	SCONJ
fsr-3418	12	8	taken	take	VERB
fsr-3418	12	9	out	out	ADP
fsr-3418	12	10	in	in	ADP
fsr-3418	12	11	the	the	DET
fsr-3418	12	12	first	first	ADJ
fsr-3418	12	13	year	year	NOUN
fsr-3418	12	14	of	of	ADP
fsr-3418	12	15	retirement	retirement	NOUN
fsr-3418	12	16	and	and	CCONJ
fsr-3418	12	17	used	use	VERB
fsr-3418	12	18	again	again	ADV
fsr-3418	12	19	every	every	DET
fsr-3418	12	20	year	year	NOUN
fsr-3418	12	21	adjusted	adjust	VERB
fsr-3418	12	22	by	by	ADP
fsr-3418	12	23	inflation	inflation	NOUN
fsr-3418	12	24	,	,	PUNCT
fsr-3418	12	25	leaves	leave	VERB
fsr-3418	12	26	exactly	exactly	ADV
fsr-3418	12	27	the	the	DET
fsr-3418	12	28	desired	desire	VERB
fsr-3418	12	29	final	final	ADJ
fsr-3418	12	30	balance	balance	NOUN
fsr-3418	12	31	on	on	ADP
fsr-3418	12	32	the	the	DET
fsr-3418	12	33	account	account	NOUN
fsr-3418	12	34	.	.	PUNCT
fsr-3418	13	1	he	he	PRON
fsr-3418	13	2	presents	present	VERB
fsr-3418	13	3	a	a	DET
fsr-3418	13	4	formula	formula	NOUN
fsr-3418	13	5	for	for	ADP
fsr-3418	13	6	obtaining	obtain	VERB
fsr-3418	13	7	the	the	DET
fsr-3418	13	8	pwa	pwa	PROPN
fsr-3418	13	9	and	and	CCONJ
fsr-3418	13	10	finds	find	VERB
fsr-3418	13	11	that	that	SCONJ
fsr-3418	13	12	safety	safety	NOUN
fsr-3418	13	13	-	-	PUNCT
fsr-3418	13	14	minded	minded	ADJ
fsr-3418	13	15	investors	investor	NOUN
fsr-3418	13	16	should	should	AUX
fsr-3418	13	17	enter	enter	VERB
fsr-3418	13	18	retirement	retirement	NOUN
fsr-3418	13	19	with	with	ADP
fsr-3418	13	20	a	a	DET
fsr-3418	13	21	higher	high	ADJ
fsr-3418	13	22	stock	stock	NOUN
fsr-3418	13	23	allocation	allocation	NOUN
fsr-3418	13	24	than	than	ADP
fsr-3418	13	25	what	what	PRON
fsr-3418	13	26	is	be	AUX
fsr-3418	13	27	currently	currently	ADV
fsr-3418	13	28	used	use	VERB
fsr-3418	13	29	in	in	ADP
fsr-3418	13	30	most	most	ADJ
fsr-3418	13	31	investment	investment	NOUN
fsr-3418	13	32	funds	fund	NOUN
fsr-3418	13	33	designed	design	VERB
fsr-3418	13	34	to	to	PART
fsr-3418	13	35	provide	provide	VERB
fsr-3418	13	36	income	income	NOUN
fsr-3418	13	37	during	during	ADP
fsr-3418	13	38	retirement	retirement	NOUN
fsr-3418	13	39	.	.	PUNCT
fsr-3418	14	1	the	the	DET
fsr-3418	14	2	third	third	ADJ
fsr-3418	14	3	article	article	NOUN
fsr-3418	14	4	,	,	PUNCT
fsr-3418	14	5	“	"	PUNCT
fsr-3418	14	6	conceptualizing	conceptualize	VERB
fsr-3418	14	7	financial	financial	ADJ
fsr-3418	14	8	advice	advice	NOUN
fsr-3418	14	9	in	in	ADP
fsr-3418	14	10	australia	australia	PROPN
fsr-3418	14	11	:	:	PUNCT
fsr-3418	14	12	the	the	DET
fsr-3418	14	13	impact	impact	NOUN
fsr-3418	14	14	of	of	ADP
fsr-3418	14	15	business	business	NOUN
fsr-3418	14	16	models	model	NOUN
fsr-3418	14	17	and	and	CCONJ
fsr-3418	14	18	external	external	ADJ
fsr-3418	14	19	stakeholders	stakeholder	NOUN
fsr-3418	14	20	on	on	ADP
fsr-3418	14	21	client	client	NOUN
fsr-3418	14	22	’s	’s	PART
fsr-3418	14	23	best	good	ADJ
fsr-3418	14	24	interest	interest	NOUN
fsr-3418	14	25	practice	practice	NOUN
fsr-3418	14	26	”	"	PUNCT
fsr-3418	14	27	is	be	AUX
fsr-3418	14	28	coauthored	coauthore	VERB
fsr-3418	14	29	by	by	ADP
fsr-3418	14	30	d.w	d.w	PROPN
fsr-3418	14	31	.	.	PROPN
fsr-3418	14	32	richards	richard	NOUN
fsr-3418	14	33	and	and	CCONJ
fsr-3418	14	34	e.f	e.f	PROPN
fsr-3418	14	35	.	.	PROPN
fsr-3418	14	36	morton	morton	PROPN
fsr-3418	14	37	at	at	ADP
fsr-3418	14	38	rmit	rmit	PROPN
fsr-3418	14	39	university	university	PROPN
fsr-3418	14	40	.	.	PUNCT
fsr-3418	15	1	in	in	ADP
fsr-3418	15	2	this	this	DET
fsr-3418	15	3	paper	paper	NOUN
fsr-3418	15	4	,	,	PUNCT
fsr-3418	15	5	the	the	DET
fsr-3418	15	6	authors	author	NOUN
fsr-3418	15	7	examine	examine	VERB
fsr-3418	15	8	the	the	DET
fsr-3418	15	9	australian	australian	ADJ
fsr-3418	15	10	financial	financial	ADJ
fsr-3418	15	11	advice	advice	NOUN
fsr-3418	15	12	sector	sector	NOUN
fsr-3418	15	13	,	,	PUNCT
fsr-3418	15	14	determine	determine	VERB
fsr-3418	15	15	when	when	SCONJ
fsr-3418	15	16	financial	financial	ADJ
fsr-3418	15	17	advice	advice	NOUN
fsr-3418	15	18	can	can	AUX
fsr-3418	15	19	be	be	AUX
fsr-3418	15	20	provided	provide	VERB
fsr-3418	15	21	in	in	ADP
fsr-3418	15	22	a	a	DET
fsr-3418	15	23	client	client	NOUN
fsr-3418	15	24	’s	’s	PART
fsr-3418	15	25	best	good	ADJ
fsr-3418	15	26	interest	interest	NOUN
fsr-3418	15	27	,	,	PUNCT
fsr-3418	15	28	and	and	CCONJ
fsr-3418	15	29	formulate	formulate	VERB
fsr-3418	15	30	a	a	DET
fsr-3418	15	31	model	model	NOUN
fsr-3418	15	32	differentiating	differentiate	VERB
fsr-3418	15	33	types	type	NOUN
fsr-3418	15	34	of	of	ADP
fsr-3418	15	35	financial	financial	ADJ
fsr-3418	15	36	advice	advice	NOUN
fsr-3418	15	37	.	.	PUNCT
fsr-3418	16	1	they	they	PRON
fsr-3418	16	2	find	find	VERB
fsr-3418	16	3	that	that	SCONJ
fsr-3418	16	4	some	some	DET
fsr-3418	16	5	business	business	NOUN
fsr-3418	16	6	models	model	NOUN
fsr-3418	16	7	prioritize	prioritize	VERB
fsr-3418	16	8	financial	financial	ADJ
fsr-3418	16	9	institution	institution	NOUN
fsr-3418	16	10	interests	interest	NOUN
fsr-3418	16	11	while	while	SCONJ
fsr-3418	16	12	thwarting	thwart	VERB
fsr-3418	16	13	external	external	ADJ
fsr-3418	16	14	stakeholders	stakeholder	NOUN
fsr-3418	16	15	encouraging	encourage	VERB
fsr-3418	16	16	best	good	ADJ
fsr-3418	16	17	interest	interest	NOUN
fsr-3418	16	18	practice	practice	NOUN
fsr-3418	16	19	.	.	PUNCT
fsr-3418	17	1	the	the	DET
fsr-3418	17	2	final	final	ADJ
fsr-3418	17	3	article	article	NOUN
fsr-3418	17	4	,	,	PUNCT
fsr-3418	17	5	“	"	PUNCT
fsr-3418	17	6	active	active	ADJ
fsr-3418	17	7	vs.	vs.	ADP
fsr-3418	17	8	passive	passive	ADJ
fsr-3418	17	9	,	,	PUNCT
fsr-3418	17	10	the	the	DET
fsr-3418	17	11	case	case	NOUN
fsr-3418	17	12	of	of	ADP
fsr-3418	17	13	sector	sector	NOUN
fsr-3418	17	14	equity	equity	NOUN
fsr-3418	17	15	funds	fund	NOUN
fsr-3418	17	16	”	"	PUNCT
fsr-3418	17	17	coauthored	coauthore	VERB
fsr-3418	17	18	by	by	ADP
fsr-3418	17	19	yuhong	yuhong	PROPN
fsr-3418	17	20	fan	fan	PROPN
fsr-3418	17	21	weber	weber	PROPN
fsr-3418	17	22	state	state	PROPN
fsr-3418	17	23	university	university	PROPN
fsr-3418	17	24	and	and	CCONJ
fsr-3418	17	25	crystal	crystal	PROPN
fsr-3418	17	26	yan	yan	PROPN
fsr-3418	17	27	lin	lin	PROPN
fsr-3418	17	28	,	,	PUNCT
fsr-3418	17	29	eastern	eastern	ADJ
fsr-3418	17	30	illinois	illinois	PROPN
fsr-3418	17	31	university	university	PROPN
fsr-3418	17	32	.	.	PUNCT
fsr-3418	18	1	the	the	DET
fsr-3418	18	2	authors	author	NOUN
fsr-3418	18	3	examine	examine	VERB
fsr-3418	18	4	performance	performance	NOUN
fsr-3418	18	5	of	of	ADP
fsr-3418	18	6	95	95	NUM
fsr-3418	18	7	actively	actively	ADV
fsr-3418	18	8	managed	manage	VERB
fsr-3418	18	9	u.s	u.s	PROPN
fsr-3418	18	10	.	.	PROPN
fsr-3418	18	11	sector	sector	PROPN
fsr-3418	18	12	equity	equity	NOUN
fsr-3418	18	13	mutual	mutual	ADJ
fsr-3418	18	14	funds	fund	NOUN
fsr-3418	18	15	from	from	ADP
fsr-3418	18	16	29	29	NUM
fsr-3418	18	17	fund	fund	NOUN
fsr-3418	18	18	families	family	NOUN
fsr-3418	18	19	relative	relative	ADJ
fsr-3418	18	20	to	to	ADP
fsr-3418	18	21	their	their	PRON
fsr-3418	18	22	peer	peer	NOUN
fsr-3418	18	23	exchange	exchange	NOUN
fsr-3418	18	24	-	-	PUNCT
fsr-3418	18	25	traded	trade	VERB
fsr-3418	18	26	funds	fund	NOUN
fsr-3418	18	27	,	,	PUNCT
fsr-3418	18	28	spdr	spdr	NOUN
fsr-3418	18	29	sector	sector	NOUN
fsr-3418	18	30	etfs	etfs	PROPN
fsr-3418	18	31	,	,	PUNCT
fsr-3418	18	32	in	in	ADP
fsr-3418	18	33	the	the	DET
fsr-3418	18	34	1057	1057	NUM
fsr-3418	18	35	-	-	SYM
fsr-3418	18	36	0810/20/$	0810/20/$	NUM
fsr-3418	18	37	–	–	PUNCT
fsr-3418	18	38	see	see	VERB
fsr-3418	18	39	front	front	ADJ
fsr-3418	18	40	matter	matter	NOUN
fsr-3418	18	41	©	©	PROPN
fsr-3418	18	42	2020	2020	NUM
fsr-3418	18	43	academy	academy	NOUN
fsr-3418	18	44	of	of	ADP
fsr-3418	18	45	financial	financial	ADJ
fsr-3418	18	46	services	service	NOUN
fsr-3418	18	47	.	.	PUNCT
fsr-3418	19	1	all	all	DET
fsr-3418	19	2	rights	right	NOUN
fsr-3418	19	3	reserved	reserve	VERB
fsr-3418	19	4	.	.	PUNCT
fsr-3418	20	1	financial	financial	ADJ
fsr-3418	20	2	services	service	NOUN
fsr-3418	20	3	review	review	VERB
fsr-3418	20	4	28	28	NUM
fsr-3418	20	5	(	(	PUNCT
fsr-3418	20	6	2020	2020	NUM
fsr-3418	20	7	)	)	PUNCT
fsr-3418	20	8	v	v	NOUN
fsr-3418	20	9	–	–	PUNCT
fsr-3418	20	10	vi	vi	NOUN
fsr-3418	20	11	period	period	NOUN
fsr-3418	20	12	of	of	ADP
fsr-3418	20	13	2008	2008	NUM
fsr-3418	20	14	to	to	ADP
fsr-3418	20	15	2017	2017	NUM
fsr-3418	20	16	.	.	PUNCT
fsr-3418	21	1	their	their	PRON
fsr-3418	21	2	results	result	NOUN
fsr-3418	21	3	show	show	VERB
fsr-3418	21	4	that	that	SCONJ
fsr-3418	21	5	passive	passive	ADJ
fsr-3418	21	6	funds	fund	NOUN
fsr-3418	21	7	outperform	outperform	VERB
fsr-3418	21	8	actively	actively	ADV
fsr-3418	21	9	managed	manage	VERB
fsr-3418	21	10	sector	sector	NOUN
fsr-3418	21	11	mutual	mutual	ADJ
fsr-3418	21	12	funds	fund	NOUN
fsr-3418	21	13	.	.	PUNCT
fsr-3418	22	1	when	when	SCONJ
fsr-3418	22	2	focusing	focus	VERB
fsr-3418	22	3	on	on	ADP
fsr-3418	22	4	the	the	DET
fsr-3418	22	5	9	9	NUM
fsr-3418	22	6	oldest	old	ADJ
fsr-3418	22	7	actively	actively	ADV
fsr-3418	22	8	managed	manage	VERB
fsr-3418	22	9	fidelity	fidelity	PROPN
fsr-3418	22	10	sector	sector	NOUN
fsr-3418	22	11	mutual	mutual	ADJ
fsr-3418	22	12	funds	fund	NOUN
fsr-3418	22	13	,	,	PUNCT
fsr-3418	22	14	outperformance	outperformance	NOUN
fsr-3418	22	15	in	in	ADP
fsr-3418	22	16	the	the	DET
fsr-3418	22	17	period	period	NOUN
fsr-3418	22	18	of	of	ADP
fsr-3418	22	19	1999	1999	NUM
fsr-3418	22	20	-	-	SYM
fsr-3418	22	21	2010	2010	NUM
fsr-3418	22	22	,	,	PUNCT
fsr-3418	22	23	appears	appear	VERB
fsr-3418	22	24	to	to	PART
fsr-3418	22	25	fade	fade	VERB
fsr-3418	22	26	away	away	ADV
fsr-3418	22	27	during	during	ADP
fsr-3418	22	28	the	the	DET
fsr-3418	22	29	period	period	NOUN
fsr-3418	22	30	of	of	ADP
fsr-3418	22	31	2011	2011	NUM
fsr-3418	22	32	-	-	SYM
fsr-3418	22	33	2017	2017	NUM
fsr-3418	22	34	.	.	PUNCT
fsr-3418	23	1	their	their	PRON
fsr-3418	23	2	results	result	NOUN
fsr-3418	23	3	indicate	indicate	VERB
fsr-3418	23	4	that	that	SCONJ
fsr-3418	23	5	u.s	u.s	PROPN
fsr-3418	23	6	.	.	PROPN
fsr-3418	23	7	sector	sector	NOUN
fsr-3418	23	8	equity	equity	NOUN
fsr-3418	23	9	market	market	NOUN
fsr-3418	23	10	has	have	AUX
fsr-3418	23	11	become	become	VERB
fsr-3418	23	12	more	more	ADV
fsr-3418	23	13	efficient	efficient	ADJ
fsr-3418	23	14	in	in	ADP
fsr-3418	23	15	the	the	DET
fsr-3418	23	16	past	past	ADJ
fsr-3418	23	17	decade	decade	NOUN
fsr-3418	23	18	.	.	PUNCT
fsr-3418	24	1	thank	thank	VERB
fsr-3418	24	2	you	you	PRON
fsr-3418	24	3	to	to	ADP
fsr-3418	24	4	those	those	PRON
fsr-3418	24	5	who	who	PRON
fsr-3418	24	6	make	make	VERB
fsr-3418	24	7	the	the	DET
fsr-3418	24	8	journal	journal	NOUN
fsr-3418	24	9	possible	possible	ADJ
fsr-3418	24	10	,	,	PUNCT
fsr-3418	24	11	especially	especially	ADV
fsr-3418	24	12	the	the	DET
fsr-3418	24	13	referees	referee	NOUN
fsr-3418	24	14	and	and	CCONJ
fsr-3418	24	15	contributing	contribute	VERB
fsr-3418	24	16	authors	author	NOUN
fsr-3418	24	17	.	.	PUNCT
fsr-3418	25	1	over	over	ADP
fsr-3418	25	2	the	the	DET
fsr-3418	25	3	past	past	ADJ
fsr-3418	25	4	year	year	NOUN
fsr-3418	25	5	,	,	PUNCT
fsr-3418	25	6	the	the	DET
fsr-3418	25	7	following	follow	VERB
fsr-3418	25	8	reviewers	reviewer	NOUN
fsr-3418	25	9	provided	provide	VERB
fsr-3418	25	10	excellent	excellent	ADJ
fsr-3418	25	11	reviews	review	NOUN
fsr-3418	25	12	of	of	ADP
fsr-3418	25	13	the	the	DET
fsr-3418	25	14	articles	article	NOUN
fsr-3418	25	15	you	you	PRON
fsr-3418	25	16	enjoyed	enjoy	VERB
fsr-3418	25	17	within	within	ADP
fsr-3418	25	18	the	the	DET
fsr-3418	25	19	pages	page	NOUN
fsr-3418	25	20	of	of	ADP
fsr-3418	25	21	financial	financial	ADJ
fsr-3418	25	22	services	service	NOUN
fsr-3418	25	23	review	review	NOUN
fsr-3418	25	24	.	.	PUNCT
fsr-3418	26	1	i	i	PRON
fsr-3418	26	2	would	would	AUX
fsr-3418	26	3	like	like	VERB
fsr-3418	26	4	to	to	PART
fsr-3418	26	5	send	send	VERB
fsr-3418	26	6	a	a	DET
fsr-3418	26	7	special	special	ADJ
fsr-3418	26	8	thank	thank	NOUN
fsr-3418	26	9	you	you	PRON
fsr-3418	26	10	to	to	ADP
fsr-3418	26	11	the	the	DET
fsr-3418	26	12	many	many	ADJ
fsr-3418	26	13	reviewers	reviewer	NOUN
fsr-3418	26	14	that	that	PRON
fsr-3418	26	15	have	have	AUX
fsr-3418	26	16	significantly	significantly	ADV
fsr-3418	26	17	contributed	contribute	VERB
fsr-3418	26	18	to	to	ADP
fsr-3418	26	19	the	the	DET
fsr-3418	26	20	quality	quality	NOUN
fsr-3418	26	21	of	of	ADP
fsr-3418	26	22	our	our	PRON
fsr-3418	26	23	journal	journal	NOUN
fsr-3418	26	24	by	by	ADP
fsr-3418	26	25	providing	provide	VERB
fsr-3418	26	26	timely	timely	ADJ
fsr-3418	26	27	and	and	CCONJ
fsr-3418	26	28	thorough	thorough	ADJ
fsr-3418	26	29	reviews	review	NOUN
fsr-3418	26	30	of	of	ADP
fsr-3418	26	31	the	the	DET
fsr-3418	26	32	submissions	submission	NOUN
fsr-3418	26	33	to	to	ADP
fsr-3418	26	34	our	our	PRON
fsr-3418	26	35	journal	journal	NOUN
fsr-3418	26	36	.	.	PUNCT
fsr-3418	27	1	please	please	INTJ
fsr-3418	27	2	consider	consider	VERB
fsr-3418	27	3	submission	submission	NOUN
fsr-3418	27	4	to	to	ADP
fsr-3418	27	5	the	the	DET
fsr-3418	27	6	financial	financial	ADJ
fsr-3418	27	7	services	service	NOUN
fsr-3418	27	8	review	review	NOUN
fsr-3418	27	9	and	and	CCONJ
fsr-3418	27	10	rely	rely	VERB
fsr-3418	27	11	on	on	ADP
fsr-3418	27	12	the	the	DET
fsr-3418	27	13	style	style	NOUN
fsr-3418	27	14	information	information	NOUN
fsr-3418	27	15	provided	provide	VERB
fsr-3418	27	16	to	to	PART
fsr-3418	27	17	ease	ease	VERB
fsr-3418	27	18	readability	readability	NOUN
fsr-3418	27	19	and	and	CCONJ
fsr-3418	27	20	streamline	streamline	VERB
fsr-3418	27	21	the	the	DET
fsr-3418	27	22	review	review	NOUN
fsr-3418	27	23	process	process	NOUN
fsr-3418	27	24	.	.	PUNCT
fsr-3418	28	1	the	the	DET
fsr-3418	28	2	journal	journal	NOUN
fsr-3418	28	3	welcomes	welcome	VERB
fsr-3418	28	4	articles	article	NOUN
fsr-3418	28	5	over	over	ADP
fsr-3418	28	6	the	the	DET
fsr-3418	28	7	range	range	NOUN
fsr-3418	28	8	of	of	ADP
fsr-3418	28	9	areas	area	NOUN
fsr-3418	28	10	that	that	PRON
fsr-3418	28	11	comprise	comprise	VERB
fsr-3418	28	12	personal	personal	ADJ
fsr-3418	28	13	financial	financial	ADJ
fsr-3418	28	14	planning	planning	NOUN
fsr-3418	28	15	.	.	PUNCT
fsr-3418	29	1	while	while	SCONJ
fsr-3418	29	2	fsr	fsr	PROPN
fsr-3418	29	3	articles	article	NOUN
fsr-3418	29	4	are	be	AUX
fsr-3418	29	5	certainly	certainly	ADV
fsr-3418	29	6	diverse	diverse	ADJ
fsr-3418	29	7	in	in	ADP
fsr-3418	29	8	terms	term	NOUN
fsr-3418	29	9	of	of	ADP
fsr-3418	29	10	topic	topic	NOUN
fsr-3418	29	11	,	,	PUNCT
fsr-3418	29	12	data	datum	NOUN
fsr-3418	29	13	,	,	PUNCT
fsr-3418	29	14	and	and	CCONJ
fsr-3418	29	15	method	method	NOUN
fsr-3418	29	16	,	,	PUNCT
fsr-3418	29	17	they	they	PRON
fsr-3418	29	18	are	be	AUX
fsr-3418	29	19	focused	focus	VERB
fsr-3418	29	20	in	in	ADP
fsr-3418	29	21	terms	term	NOUN
fsr-3418	29	22	of	of	ADP
fsr-3418	29	23	motivation	motivation	NOUN
fsr-3418	29	24	.	.	PUNCT
fsr-3418	30	1	fsr	fsr	PROPN
fsr-3418	30	2	exists	exist	VERB
fsr-3418	30	3	to	to	PART
fsr-3418	30	4	produce	produce	VERB
fsr-3418	30	5	research	research	NOUN
fsr-3418	30	6	that	that	PRON
fsr-3418	30	7	addresses	address	VERB
fsr-3418	30	8	issues	issue	NOUN
fsr-3418	30	9	that	that	PRON
fsr-3418	30	10	matter	matter	VERB
fsr-3418	30	11	to	to	ADP
fsr-3418	30	12	individuals	individual	NOUN
fsr-3418	30	13	.	.	PUNCT
fsr-3418	31	1	i	i	PRON
fsr-3418	31	2	remain	remain	VERB
fsr-3418	31	3	committed	committed	ADJ
fsr-3418	31	4	to	to	ADP
fsr-3418	31	5	the	the	DET
fsr-3418	31	6	goal	goal	NOUN
fsr-3418	31	7	of	of	ADP
fsr-3418	31	8	making	make	VERB
fsr-3418	31	9	financial	financial	ADJ
fsr-3418	31	10	services	service	NOUN
fsr-3418	31	11	review	review	VERB
fsr-3418	31	12	the	the	DET
fsr-3418	31	13	best	good	ADJ
fsr-3418	31	14	academic	academic	ADJ
fsr-3418	31	15	journal	journal	NOUN
fsr-3418	31	16	in	in	ADP
fsr-3418	31	17	individual	individual	ADJ
fsr-3418	31	18	financial	financial	ADJ
fsr-3418	31	19	management	management	NOUN
fsr-3418	31	20	and	and	CCONJ
fsr-3418	31	21	personal	personal	ADJ
fsr-3418	31	22	financial	financial	ADJ
fsr-3418	31	23	planning	planning	NOUN
fsr-3418	31	24	.	.	PUNCT
fsr-3418	32	1	best	good	ADJ
fsr-3418	32	2	regards	regard	VERB
fsr-3418	32	3	,	,	PUNCT
fsr-3418	32	4	stuart	stuart	PROPN
fsr-3418	32	5	michelson	michelson	PROPN
fsr-3418	32	6	editor	editor	PROPN
fsr-3418	32	7	financial	financial	PROPN
fsr-3418	32	8	services	services	PROPN
fsr-3418	32	9	review	review	VERB
fsr-3418	32	10	vi	vi	PROPN
fsr-3418	32	11	editorial	editorial	NOUN
fsr-3418	32	12	/	/	SYM
fsr-3418	32	13	financial	financial	ADJ
fsr-3418	32	14	services	service	NOUN
fsr-3418	32	15	review	review	VERB
fsr-3418	32	16	28	28	NUM
fsr-3418	32	17	(	(	PUNCT
fsr-3418	32	18	2020	2020	NUM
fsr-3418	32	19	)	)	PUNCT
fsr-3418	32	20	v	v	NOUN
fsr-3418	32	21	–	–	PUNCT
fsr-3418	32	22	vi	vi	NOUN