id	sid	tid	token	lemma	pos
fsr-3425	1	1	from	from	ADP
fsr-3425	1	2	the	the	DET
fsr-3425	1	3	editor	editor	NOUN
fsr-3425	1	4	this	this	DET
fsr-3425	1	5	issue	issue	NOUN
fsr-3425	1	6	contains	contain	VERB
fsr-3425	1	7	volume	volume	NOUN
fsr-3425	1	8	28	28	NUM
fsr-3425	1	9	issue	issue	NOUN
fsr-3425	1	10	3	3	NUM
fsr-3425	1	11	of	of	ADP
fsr-3425	1	12	financial	financial	ADJ
fsr-3425	1	13	services	service	NOUN
fsr-3425	1	14	review	review	NOUN
fsr-3425	1	15	(	(	PUNCT
fsr-3425	1	16	fsr	fsr	PROPN
fsr-3425	1	17	)	)	PUNCT
fsr-3425	1	18	.	.	PUNCT
fsr-3425	2	1	i	i	PRON
fsr-3425	2	2	would	would	AUX
fsr-3425	2	3	like	like	VERB
fsr-3425	2	4	to	to	PART
fsr-3425	2	5	thank	thank	VERB
fsr-3425	2	6	the	the	DET
fsr-3425	2	7	board	board	NOUN
fsr-3425	2	8	and	and	CCONJ
fsr-3425	2	9	members	member	NOUN
fsr-3425	2	10	of	of	ADP
fsr-3425	2	11	the	the	DET
fsr-3425	2	12	academy	academy	NOUN
fsr-3425	2	13	of	of	ADP
fsr-3425	2	14	financial	financial	ADJ
fsr-3425	2	15	services	service	NOUN
fsr-3425	2	16	for	for	ADP
fsr-3425	2	17	their	their	PRON
fsr-3425	2	18	continued	continue	VERB
fsr-3425	2	19	support	support	NOUN
fsr-3425	2	20	.	.	PUNCT
fsr-3425	3	1	i	i	PRON
fsr-3425	3	2	continue	continue	VERB
fsr-3425	3	3	to	to	PART
fsr-3425	3	4	work	work	VERB
fsr-3425	3	5	in	in	ADP
fsr-3425	3	6	broadening	broaden	VERB
fsr-3425	3	7	the	the	DET
fsr-3425	3	8	scope	scope	NOUN
fsr-3425	3	9	of	of	ADP
fsr-3425	3	10	articles	article	NOUN
fsr-3425	3	11	,	,	PUNCT
fsr-3425	3	12	while	while	SCONJ
fsr-3425	3	13	still	still	ADV
fsr-3425	3	14	focusing	focus	VERB
fsr-3425	3	15	on	on	ADP
fsr-3425	3	16	individual	individual	ADJ
fsr-3425	3	17	financial	financial	ADJ
fsr-3425	3	18	management	management	NOUN
fsr-3425	3	19	and	and	CCONJ
fsr-3425	3	20	personal	personal	ADJ
fsr-3425	3	21	financial	financial	ADJ
fsr-3425	3	22	planning	planning	NOUN
fsr-3425	3	23	.	.	PUNCT
fsr-3425	4	1	i	i	PRON
fsr-3425	4	2	encourage	encourage	VERB
fsr-3425	4	3	authors	author	NOUN
fsr-3425	4	4	to	to	PART
fsr-3425	4	5	reach	reach	VERB
fsr-3425	4	6	out	out	ADP
fsr-3425	4	7	when	when	SCONJ
fsr-3425	4	8	discussing	discuss	VERB
fsr-3425	4	9	implications	implication	NOUN
fsr-3425	4	10	of	of	ADP
fsr-3425	4	11	their	their	PRON
fsr-3425	4	12	findings	finding	NOUN
fsr-3425	4	13	in	in	ADP
fsr-3425	4	14	a	a	DET
fsr-3425	4	15	more	more	ADV
fsr-3425	4	16	comprehensive	comprehensive	ADJ
fsr-3425	4	17	way	way	NOUN
fsr-3425	4	18	.	.	PUNCT
fsr-3425	5	1	as	as	SCONJ
fsr-3425	5	2	such	such	ADJ
fsr-3425	5	3	,	,	PUNCT
fsr-3425	5	4	all	all	DET
fsr-3425	5	5	articles	article	NOUN
fsr-3425	5	6	in	in	ADP
fsr-3425	5	7	the	the	DET
fsr-3425	5	8	journal	journal	NOUN
fsr-3425	5	9	more	more	ADV
fsr-3425	5	10	appropriately	appropriately	ADV
fsr-3425	5	11	relate	relate	VERB
fsr-3425	5	12	to	to	ADP
fsr-3425	5	13	financial	financial	ADJ
fsr-3425	5	14	planning	planning	NOUN
fsr-3425	5	15	issues	issue	NOUN
fsr-3425	5	16	.	.	PUNCT
fsr-3425	6	1	the	the	DET
fsr-3425	6	2	lead	lead	ADJ
fsr-3425	6	3	article	article	NOUN
fsr-3425	6	4	“	"	PUNCT
fsr-3425	6	5	career	career	NOUN
fsr-3425	6	6	and	and	CCONJ
fsr-3425	6	7	education	education	NOUN
fsr-3425	6	8	choice	choice	NOUN
fsr-3425	6	9	as	as	ADP
fsr-3425	6	10	central	central	ADJ
fsr-3425	6	11	elements	element	NOUN
fsr-3425	6	12	of	of	ADP
fsr-3425	6	13	long	long	ADJ
fsr-3425	6	14	-	-	PUNCT
fsr-3425	6	15	term	term	NOUN
fsr-3425	6	16	financial	financial	ADJ
fsr-3425	6	17	planning	planning	NOUN
fsr-3425	6	18	”	"	PUNCT
fsr-3425	6	19	is	be	AUX
fsr-3425	6	20	coauthored	coauthore	VERB
fsr-3425	6	21	by	by	ADP
fsr-3425	6	22	inga	inga	PROPN
fsr-3425	6	23	timmerman	timmerman	NOUN
fsr-3425	6	24	at	at	ADP
fsr-3425	6	25	california	california	PROPN
fsr-3425	6	26	state	state	PROPN
fsr-3425	6	27	university	university	PROPN
fsr-3425	6	28	,	,	PUNCT
fsr-3425	6	29	northridge	northridge	PROPN
fsr-3425	6	30	and	and	CCONJ
fsr-3425	6	31	nikanor	nikanor	PROPN
fsr-3425	6	32	volkov	volkov	PROPN
fsr-3425	6	33	at	at	ADP
fsr-3425	6	34	mercer	mercer	PROPN
fsr-3425	6	35	university	university	PROPN
fsr-3425	6	36	.	.	PUNCT
fsr-3425	7	1	in	in	ADP
fsr-3425	7	2	this	this	DET
fsr-3425	7	3	paper	paper	NOUN
fsr-3425	7	4	,	,	PUNCT
fsr-3425	7	5	the	the	DET
fsr-3425	7	6	authors	author	NOUN
fsr-3425	7	7	demonstrate	demonstrate	VERB
fsr-3425	7	8	that	that	SCONJ
fsr-3425	7	9	human	human	ADJ
fsr-3425	7	10	capital	capital	NOUN
fsr-3425	7	11	accounts	account	VERB
fsr-3425	7	12	for	for	ADP
fsr-3425	7	13	the	the	DET
fsr-3425	7	14	majority	majority	NOUN
fsr-3425	7	15	of	of	ADP
fsr-3425	7	16	an	an	DET
fsr-3425	7	17	individual	individual	NOUN
fsr-3425	7	18	’s	’s	PART
fsr-3425	7	19	wealth	wealth	NOUN
fsr-3425	7	20	portfolio	portfolio	NOUN
fsr-3425	7	21	.	.	PUNCT
fsr-3425	8	1	they	they	PRON
fsr-3425	8	2	include	include	VERB
fsr-3425	8	3	human	human	ADJ
fsr-3425	8	4	capital	capital	NOUN
fsr-3425	8	5	and	and	CCONJ
fsr-3425	8	6	show	show	VERB
fsr-3425	8	7	that	that	SCONJ
fsr-3425	8	8	the	the	DET
fsr-3425	8	9	choice	choice	NOUN
fsr-3425	8	10	of	of	ADP
fsr-3425	8	11	career	career	NOUN
fsr-3425	8	12	and	and	CCONJ
fsr-3425	8	13	education	education	NOUN
fsr-3425	8	14	level	level	NOUN
fsr-3425	8	15	has	have	VERB
fsr-3425	8	16	a	a	DET
fsr-3425	8	17	significant	significant	ADJ
fsr-3425	8	18	effect	effect	NOUN
fsr-3425	8	19	on	on	ADP
fsr-3425	8	20	the	the	DET
fsr-3425	8	21	sharpe	sharpe	PROPN
fsr-3425	8	22	ratio	ratio	NOUN
fsr-3425	8	23	of	of	ADP
fsr-3425	8	24	an	an	DET
fsr-3425	8	25	individual	individual	NOUN
fsr-3425	8	26	’s	’s	PART
fsr-3425	8	27	overall	overall	ADJ
fsr-3425	8	28	wealth	wealth	NOUN
fsr-3425	8	29	portfolio	portfolio	NOUN
fsr-3425	8	30	.	.	PUNCT
fsr-3425	9	1	they	they	PRON
fsr-3425	9	2	illustrate	illustrate	VERB
fsr-3425	9	3	how	how	SCONJ
fsr-3425	9	4	an	an	DET
fsr-3425	9	5	individual	individual	NOUN
fsr-3425	9	6	can	can	AUX
fsr-3425	9	7	perform	perform	VERB
fsr-3425	9	8	a	a	DET
fsr-3425	9	9	simple	simple	ADJ
fsr-3425	9	10	npv	npv	NOUN
fsr-3425	9	11	-	-	PUNCT
fsr-3425	9	12	like	like	ADJ
fsr-3425	9	13	analysis	analysis	NOUN
fsr-3425	9	14	in	in	ADP
fsr-3425	9	15	the	the	DET
fsr-3425	9	16	process	process	NOUN
fsr-3425	9	17	of	of	ADP
fsr-3425	9	18	career	career	NOUN
fsr-3425	9	19	planning	planning	NOUN
fsr-3425	9	20	.	.	PUNCT
fsr-3425	10	1	the	the	DET
fsr-3425	10	2	second	second	ADJ
fsr-3425	10	3	article	article	NOUN
fsr-3425	10	4	“	"	PUNCT
fsr-3425	10	5	selecting	select	VERB
fsr-3425	10	6	a	a	DET
fsr-3425	10	7	social	social	ADJ
fsr-3425	10	8	security	security	NOUN
fsr-3425	10	9	age	age	NOUN
fsr-3425	10	10	to	to	PART
fsr-3425	10	11	balance	balance	VERB
fsr-3425	10	12	consumption	consumption	NOUN
fsr-3425	10	13	and	and	CCONJ
fsr-3425	10	14	risk	risk	NOUN
fsr-3425	10	15	”	"	PUNCT
fsr-3425	10	16	is	be	AUX
fsr-3425	10	17	coauthored	coauthore	VERB
fsr-3425	10	18	by	by	ADP
fsr-3425	10	19	colonel	colonel	PROPN
fsr-3425	10	20	barry	barry	PROPN
fsr-3425	10	21	cobb	cobb	PROPN
fsr-3425	10	22	and	and	CCONJ
fsr-3425	10	23	colonel	colonel	PROPN
fsr-3425	10	24	jeffrey	jeffrey	PROPN
fsr-3425	10	25	s.	s.	PROPN
fsr-3425	10	26	smith	smith	PROPN
fsr-3425	10	27	,	,	PUNCT
fsr-3425	10	28	both	both	PRON
fsr-3425	10	29	at	at	ADP
fsr-3425	10	30	virginia	virginia	PROPN
fsr-3425	10	31	military	military	PROPN
fsr-3425	10	32	institute	institute	PROPN
fsr-3425	10	33	.	.	PUNCT
fsr-3425	11	1	the	the	DET
fsr-3425	11	2	authors	author	NOUN
fsr-3425	11	3	use	use	VERB
fsr-3425	11	4	monte	monte	PROPN
fsr-3425	11	5	carlo	carlo	PROPN
fsr-3425	11	6	simulation	simulation	PROPN
fsr-3425	11	7	to	to	PART
fsr-3425	11	8	determine	determine	VERB
fsr-3425	11	9	the	the	DET
fsr-3425	11	10	maximum	maximum	ADJ
fsr-3425	11	11	consumption	consumption	NOUN
fsr-3425	11	12	given	give	VERB
fsr-3425	11	13	retirement	retirement	NOUN
fsr-3425	11	14	at	at	ADP
fsr-3425	11	15	age	age	NOUN
fsr-3425	11	16	62	62	NUM
fsr-3425	11	17	,	,	PUNCT
fsr-3425	11	18	initial	initial	ADJ
fsr-3425	11	19	wealth	wealth	NOUN
fsr-3425	11	20	,	,	PUNCT
fsr-3425	11	21	risk	risk	NOUN
fsr-3425	11	22	tolerance	tolerance	NOUN
fsr-3425	11	23	,	,	PUNCT
fsr-3425	11	24	and	and	CCONJ
fsr-3425	11	25	social	social	ADJ
fsr-3425	11	26	security	security	NOUN
fsr-3425	11	27	decision	decision	NOUN
fsr-3425	11	28	.	.	PUNCT
fsr-3425	12	1	the	the	DET
fsr-3425	12	2	authors	author	NOUN
fsr-3425	12	3	show	show	VERB
fsr-3425	12	4	that	that	SCONJ
fsr-3425	12	5	,	,	PUNCT
fsr-3425	12	6	conditional	conditional	ADJ
fsr-3425	12	7	on	on	ADP
fsr-3425	12	8	retirement	retirement	NOUN
fsr-3425	12	9	at	at	ADP
fsr-3425	12	10	age	age	NOUN
fsr-3425	12	11	62	62	NUM
fsr-3425	12	12	,	,	PUNCT
fsr-3425	12	13	initial	initial	ADJ
fsr-3425	12	14	consumption	consumption	NOUN
fsr-3425	12	15	is	be	AUX
fsr-3425	12	16	always	always	ADV
fsr-3425	12	17	maximized	maximize	VERB
fsr-3425	12	18	by	by	ADP
fsr-3425	12	19	taking	take	VERB
fsr-3425	12	20	social	social	ADJ
fsr-3425	12	21	security	security	NOUN
fsr-3425	12	22	no	no	ADV
fsr-3425	12	23	later	later	ADV
fsr-3425	12	24	than	than	ADP
fsr-3425	12	25	age	age	NOUN
fsr-3425	12	26	63	63	NUM
fsr-3425	12	27	;	;	PUNCT
fsr-3425	12	28	it	it	PRON
fsr-3425	12	29	also	also	ADV
fsr-3425	12	30	results	result	VERB
fsr-3425	12	31	in	in	ADP
fsr-3425	12	32	the	the	DET
fsr-3425	12	33	highest	high	ADJ
fsr-3425	12	34	simulated	simulated	ADJ
fsr-3425	12	35	ending	end	VERB
fsr-3425	12	36	wealth	wealth	NOUN
fsr-3425	12	37	at	at	ADP
fsr-3425	12	38	death	death	NOUN
fsr-3425	12	39	,	,	PUNCT
fsr-3425	12	40	and	and	CCONJ
fsr-3425	12	41	the	the	DET
fsr-3425	12	42	lowest	low	ADJ
fsr-3425	12	43	amount	amount	NOUN
fsr-3425	12	44	of	of	ADP
fsr-3425	12	45	simulated	simulate	VERB
fsr-3425	12	46	time	time	NOUN
fsr-3425	12	47	living	live	VERB
fsr-3425	12	48	on	on	ADP
fsr-3425	12	49	just	just	ADV
fsr-3425	12	50	social	social	ADJ
fsr-3425	12	51	security	security	NOUN
fsr-3425	12	52	.	.	PUNCT
fsr-3425	13	1	the	the	DET
fsr-3425	13	2	third	third	ADJ
fsr-3425	13	3	article	article	NOUN
fsr-3425	13	4	,	,	PUNCT
fsr-3425	13	5	“	"	PUNCT
fsr-3425	13	6	a	a	DET
fsr-3425	13	7	theoretical	theoretical	ADJ
fsr-3425	13	8	examination	examination	NOUN
fsr-3425	13	9	of	of	ADP
fsr-3425	13	10	cash	cash	NOUN
fsr-3425	13	11	-	-	PUNCT
fsr-3425	13	12	back	back	NOUN
fsr-3425	13	13	credit	credit	NOUN
fsr-3425	13	14	cards	card	NOUN
fsr-3425	13	15	and	and	CCONJ
fsr-3425	13	16	their	their	PRON
fsr-3425	13	17	effect	effect	NOUN
fsr-3425	13	18	on	on	ADP
fsr-3425	13	19	consumer	consumer	NOUN
fsr-3425	13	20	spending	spending	NOUN
fsr-3425	13	21	”	"	PUNCT
fsr-3425	13	22	is	be	AUX
fsr-3425	13	23	coauthored	coauthore	VERB
fsr-3425	13	24	by	by	ADP
fsr-3425	13	25	noah	noah	PROPN
fsr-3425	13	26	macdonald	macdonald	PROPN
fsr-3425	13	27	and	and	CCONJ
fsr-3425	13	28	brent	brent	PROPN
fsr-3425	13	29	evans	evans	PROPN
fsr-3425	13	30	,	,	PUNCT
fsr-3425	13	31	both	both	CCONJ
fsr-3425	13	32	at	at	ADP
fsr-3425	13	33	georgia	georgia	PROPN
fsr-3425	13	34	college	college	PROPN
fsr-3425	13	35	&	&	CCONJ
fsr-3425	13	36	state	state	PROPN
fsr-3425	13	37	university	university	PROPN
fsr-3425	13	38	.	.	PUNCT
fsr-3425	14	1	in	in	ADP
fsr-3425	14	2	this	this	DET
fsr-3425	14	3	paper	paper	NOUN
fsr-3425	14	4	,	,	PUNCT
fsr-3425	14	5	the	the	DET
fsr-3425	14	6	authors	author	NOUN
fsr-3425	14	7	construct	construct	VERB
fsr-3425	14	8	models	model	NOUN
fsr-3425	14	9	to	to	PART
fsr-3425	14	10	analyze	analyze	VERB
fsr-3425	14	11	the	the	DET
fsr-3425	14	12	use	use	NOUN
fsr-3425	14	13	of	of	ADP
fsr-3425	14	14	cash	cash	NOUN
fsr-3425	14	15	-	-	PUNCT
fsr-3425	14	16	back	back	NOUN
fsr-3425	14	17	cards	card	NOUN
fsr-3425	14	18	demonstrating	demonstrate	VERB
fsr-3425	14	19	that	that	SCONJ
fsr-3425	14	20	cash	cash	NOUN
fsr-3425	14	21	-	-	PUNCT
fsr-3425	14	22	back	back	NOUN
fsr-3425	14	23	cards	card	NOUN
fsr-3425	14	24	increase	increase	VERB
fsr-3425	14	25	spending	spending	NOUN
fsr-3425	14	26	(	(	PUNCT
fsr-3425	14	27	and	and	CCONJ
fsr-3425	14	28	thus	thus	ADV
fsr-3425	14	29	,	,	PUNCT
fsr-3425	14	30	reduce	reduce	VERB
fsr-3425	14	31	savings	saving	NOUN
fsr-3425	14	32	)	)	PUNCT
fsr-3425	14	33	for	for	ADP
fsr-3425	14	34	some	some	DET
fsr-3425	14	35	consumers	consumer	NOUN
fsr-3425	14	36	.	.	PUNCT
fsr-3425	15	1	while	while	SCONJ
fsr-3425	15	2	prior	prior	ADJ
fsr-3425	15	3	research	research	NOUN
fsr-3425	15	4	focuses	focus	VERB
fsr-3425	15	5	on	on	ADP
fsr-3425	15	6	behavioral	behavioral	ADJ
fsr-3425	15	7	issues	issue	NOUN
fsr-3425	15	8	related	relate	VERB
fsr-3425	15	9	to	to	ADP
fsr-3425	15	10	credit	credit	NOUN
fsr-3425	15	11	cards	card	NOUN
fsr-3425	15	12	,	,	PUNCT
fsr-3425	15	13	this	this	DET
fsr-3425	15	14	research	research	NOUN
fsr-3425	15	15	shows	show	VERB
fsr-3425	15	16	that	that	SCONJ
fsr-3425	15	17	some	some	DET
fsr-3425	15	18	consumers	consumer	NOUN
fsr-3425	15	19	will	will	AUX
fsr-3425	15	20	rationally	rationally	ADV
fsr-3425	15	21	increase	increase	VERB
fsr-3425	15	22	spending	spending	NOUN
fsr-3425	15	23	when	when	SCONJ
fsr-3425	15	24	using	use	VERB
fsr-3425	15	25	a	a	DET
fsr-3425	15	26	cash	cash	NOUN
fsr-3425	15	27	-	-	PUNCT
fsr-3425	15	28	back	back	NOUN
fsr-3425	15	29	credit	credit	NOUN
fsr-3425	15	30	card	card	NOUN
fsr-3425	15	31	in	in	ADP
fsr-3425	15	32	lieu	lieu	NOUN
fsr-3425	15	33	of	of	ADP
fsr-3425	15	34	cash	cash	NOUN
fsr-3425	15	35	.	.	PUNCT
fsr-3425	16	1	the	the	DET
fsr-3425	16	2	final	final	ADJ
fsr-3425	16	3	article	article	NOUN
fsr-3425	16	4	,	,	PUNCT
fsr-3425	16	5	“	"	PUNCT
fsr-3425	16	6	develop	develop	VERB
fsr-3425	16	7	a	a	DET
fsr-3425	16	8	retirement	retirement	NOUN
fsr-3425	16	9	plan	plan	NOUN
fsr-3425	16	10	and	and	CCONJ
fsr-3425	16	11	stick	stick	VERB
fsr-3425	16	12	to	to	ADP
fsr-3425	16	13	it	it	PRON
fsr-3425	16	14	:	:	PUNCT
fsr-3425	16	15	it	it	PRON
fsr-3425	16	16	will	will	AUX
fsr-3425	16	17	improve	improve	VERB
fsr-3425	16	18	both	both	DET
fsr-3425	16	19	your	your	PRON
fsr-3425	16	20	attitude	attitude	NOUN
fsr-3425	16	21	and	and	CCONJ
fsr-3425	16	22	behavior	behavior	NOUN
fsr-3425	16	23	with	with	ADP
fsr-3425	16	24	money	money	NOUN
fsr-3425	16	25	”	"	PUNCT
fsr-3425	16	26	is	be	AUX
fsr-3425	16	27	authored	author	VERB
fsr-3425	16	28	by	by	ADP
fsr-3425	16	29	gizelle	gizelle	ADJ
fsr-3425	16	30	d.	d.	PROPN
fsr-3425	16	31	willows	willow	NOUN
fsr-3425	16	32	at	at	ADP
fsr-3425	16	33	the	the	DET
fsr-3425	16	34	university	university	PROPN
fsr-3425	16	35	of	of	ADP
fsr-3425	16	36	cape	cape	NOUN
fsr-3425	16	37	town	town	NOUN
fsr-3425	16	38	.	.	PUNCT
fsr-3425	17	1	in	in	ADP
fsr-3425	17	2	this	this	DET
fsr-3425	17	3	study	study	NOUN
fsr-3425	17	4	,	,	PUNCT
fsr-3425	17	5	the	the	DET
fsr-3425	17	6	author	author	NOUN
fsr-3425	17	7	explores	explore	VERB
fsr-3425	17	8	the	the	DET
fsr-3425	17	9	relationship	relationship	NOUN
fsr-3425	17	10	between	between	ADP
fsr-3425	17	11	financial	financial	ADJ
fsr-3425	17	12	literacy	literacy	NOUN
fsr-3425	17	13	,	,	PUNCT
fsr-3425	17	14	behavior	behavior	NOUN
fsr-3425	17	15	and	and	CCONJ
fsr-3425	17	16	attitude	attitude	NOUN
fsr-3425	17	17	,	,	PUNCT
fsr-3425	17	18	and	and	CCONJ
fsr-3425	17	19	retirement	retirement	NOUN
fsr-3425	17	20	savings	saving	NOUN
fsr-3425	17	21	decisions	decision	NOUN
fsr-3425	17	22	.	.	PUNCT
fsr-3425	18	1	members	member	NOUN
fsr-3425	18	2	of	of	ADP
fsr-3425	18	3	a	a	DET
fsr-3425	18	4	south	south	ADJ
fsr-3425	18	5	african	african	ADJ
fsr-3425	18	6	tertiary	tertiary	ADJ
fsr-3425	18	7	institution	institution	NOUN
fsr-3425	18	8	’s	’s	PART
fsr-3425	18	9	retirement	retirement	PROPN
fsr-3425	18	10	fund	fund	NOUN
fsr-3425	18	11	were	be	AUX
fsr-3425	18	12	surveyed	survey	VERB
fsr-3425	18	13	,	,	PUNCT
fsr-3425	18	14	and	and	CCONJ
fsr-3425	18	15	multi	multi	ADJ
fsr-3425	18	16	-	-	ADJ
fsr-3425	18	17	stage	stage	ADJ
fsr-3425	18	18	multivariate	multivariate	NOUN
fsr-3425	18	19	regression	regression	NOUN
fsr-3425	18	20	and	and	CCONJ
fsr-3425	18	21	mediation	mediation	NOUN
fsr-3425	18	22	1057	1057	NUM
fsr-3425	18	23	-	-	SYM
fsr-3425	18	24	0810/20/$	0810/20/$	NUM
fsr-3425	18	25	–	–	PUNCT
fsr-3425	18	26	see	see	VERB
fsr-3425	18	27	front	front	ADJ
fsr-3425	18	28	matter	matter	NOUN
fsr-3425	18	29	©	©	PROPN
fsr-3425	18	30	2020	2020	NUM
fsr-3425	18	31	academy	academy	NOUN
fsr-3425	18	32	of	of	ADP
fsr-3425	18	33	financial	financial	ADJ
fsr-3425	18	34	services	service	NOUN
fsr-3425	18	35	.	.	PUNCT
fsr-3425	19	1	all	all	DET
fsr-3425	19	2	rights	right	NOUN
fsr-3425	19	3	reserved	reserve	VERB
fsr-3425	19	4	.	.	PUNCT
fsr-3425	20	1	financial	financial	ADJ
fsr-3425	20	2	services	service	NOUN
fsr-3425	20	3	review	review	VERB
fsr-3425	20	4	28	28	NUM
fsr-3425	20	5	(	(	PUNCT
fsr-3425	20	6	2020	2020	NUM
fsr-3425	20	7	)	)	PUNCT
fsr-3425	20	8	v	v	NOUN
fsr-3425	20	9	–	–	PUNCT
fsr-3425	20	10	vi	vi	NOUN
fsr-3425	20	11	analyses	analysis	NOUN
fsr-3425	20	12	showed	show	VERB
fsr-3425	20	13	that	that	SCONJ
fsr-3425	20	14	developing	develop	VERB
fsr-3425	20	15	and	and	CCONJ
fsr-3425	20	16	conforming	conform	VERB
fsr-3425	20	17	to	to	ADP
fsr-3425	20	18	a	a	DET
fsr-3425	20	19	retirement	retirement	NOUN
fsr-3425	20	20	plan	plan	NOUN
fsr-3425	20	21	positively	positively	ADV
fsr-3425	20	22	influenced	influence	VERB
fsr-3425	20	23	financial	financial	ADJ
fsr-3425	20	24	attitude	attitude	NOUN
fsr-3425	20	25	and	and	CCONJ
fsr-3425	20	26	behavior	behavior	NOUN
fsr-3425	20	27	.	.	PUNCT
fsr-3425	21	1	these	these	DET
fsr-3425	21	2	results	result	NOUN
fsr-3425	21	3	indicate	indicate	VERB
fsr-3425	21	4	that	that	SCONJ
fsr-3425	21	5	interventions	intervention	NOUN
fsr-3425	21	6	should	should	AUX
fsr-3425	21	7	focus	focus	VERB
fsr-3425	21	8	on	on	ADP
fsr-3425	21	9	the	the	DET
fsr-3425	21	10	specific	specific	ADJ
fsr-3425	21	11	behaviors	behavior	NOUN
fsr-3425	21	12	which	which	PRON
fsr-3425	21	13	drive	drive	VERB
fsr-3425	21	14	retirement	retirement	NOUN
fsr-3425	21	15	planning	planning	NOUN
fsr-3425	21	16	,	,	PUNCT
fsr-3425	21	17	rather	rather	ADV
fsr-3425	21	18	than	than	ADP
fsr-3425	21	19	financial	financial	ADJ
fsr-3425	21	20	literacy	literacy	NOUN
fsr-3425	21	21	in	in	ADP
fsr-3425	21	22	isolation	isolation	NOUN
fsr-3425	21	23	.	.	PUNCT
fsr-3425	22	1	the	the	DET
fsr-3425	22	2	author	author	NOUN
fsr-3425	22	3	also	also	ADV
fsr-3425	22	4	shows	show	VERB
fsr-3425	22	5	that	that	SCONJ
fsr-3425	22	6	use	use	NOUN
fsr-3425	22	7	of	of	ADP
fsr-3425	22	8	formal	formal	ADJ
fsr-3425	22	9	tools	tool	NOUN
fsr-3425	22	10	,	,	PUNCT
fsr-3425	22	11	such	such	ADJ
fsr-3425	22	12	as	as	ADP
fsr-3425	22	13	consulting	consult	VERB
fsr-3425	22	14	with	with	ADP
fsr-3425	22	15	a	a	DET
fsr-3425	22	16	financial	financial	ADJ
fsr-3425	22	17	planner	planner	NOUN
fsr-3425	22	18	,	,	PUNCT
fsr-3425	22	19	increases	increase	VERB
fsr-3425	22	20	the	the	DET
fsr-3425	22	21	relative	relative	ADJ
fsr-3425	22	22	risk	risk	NOUN
fsr-3425	22	23	of	of	ADP
fsr-3425	22	24	successful	successful	ADJ
fsr-3425	22	25	retirement	retirement	NOUN
fsr-3425	22	26	planning	planning	NOUN
fsr-3425	22	27	.	.	PUNCT
fsr-3425	23	1	thank	thank	VERB
fsr-3425	23	2	you	you	PRON
fsr-3425	23	3	to	to	ADP
fsr-3425	23	4	those	those	PRON
fsr-3425	23	5	who	who	PRON
fsr-3425	23	6	make	make	VERB
fsr-3425	23	7	the	the	DET
fsr-3425	23	8	journal	journal	NOUN
fsr-3425	23	9	possible	possible	ADJ
fsr-3425	23	10	,	,	PUNCT
fsr-3425	23	11	especially	especially	ADV
fsr-3425	23	12	the	the	DET
fsr-3425	23	13	referees	referee	NOUN
fsr-3425	23	14	and	and	CCONJ
fsr-3425	23	15	contributing	contribute	VERB
fsr-3425	23	16	authors	author	NOUN
fsr-3425	23	17	.	.	PUNCT
fsr-3425	24	1	over	over	ADP
fsr-3425	24	2	the	the	DET
fsr-3425	24	3	past	past	ADJ
fsr-3425	24	4	year	year	NOUN
fsr-3425	24	5	,	,	PUNCT
fsr-3425	24	6	the	the	DET
fsr-3425	24	7	following	follow	VERB
fsr-3425	24	8	reviewers	reviewer	NOUN
fsr-3425	24	9	provided	provide	VERB
fsr-3425	24	10	excellent	excellent	ADJ
fsr-3425	24	11	reviews	review	NOUN
fsr-3425	24	12	of	of	ADP
fsr-3425	24	13	the	the	DET
fsr-3425	24	14	articles	article	NOUN
fsr-3425	24	15	you	you	PRON
fsr-3425	24	16	enjoyed	enjoy	VERB
fsr-3425	24	17	within	within	ADP
fsr-3425	24	18	the	the	DET
fsr-3425	24	19	pages	page	NOUN
fsr-3425	24	20	of	of	ADP
fsr-3425	24	21	financial	financial	ADJ
fsr-3425	24	22	services	service	NOUN
fsr-3425	24	23	review	review	NOUN
fsr-3425	24	24	.	.	PUNCT
fsr-3425	25	1	i	i	PRON
fsr-3425	25	2	would	would	AUX
fsr-3425	25	3	like	like	VERB
fsr-3425	25	4	to	to	PART
fsr-3425	25	5	send	send	VERB
fsr-3425	25	6	a	a	DET
fsr-3425	25	7	special	special	ADJ
fsr-3425	25	8	thank	thank	NOUN
fsr-3425	25	9	you	you	PRON
fsr-3425	25	10	to	to	ADP
fsr-3425	25	11	the	the	DET
fsr-3425	25	12	many	many	ADJ
fsr-3425	25	13	reviewers	reviewer	NOUN
fsr-3425	25	14	that	that	PRON
fsr-3425	25	15	have	have	AUX
fsr-3425	25	16	significantly	significantly	ADV
fsr-3425	25	17	contributed	contribute	VERB
fsr-3425	25	18	to	to	ADP
fsr-3425	25	19	the	the	DET
fsr-3425	25	20	quality	quality	NOUN
fsr-3425	25	21	of	of	ADP
fsr-3425	25	22	our	our	PRON
fsr-3425	25	23	journal	journal	NOUN
fsr-3425	25	24	by	by	ADP
fsr-3425	25	25	providing	provide	VERB
fsr-3425	25	26	timely	timely	ADJ
fsr-3425	25	27	and	and	CCONJ
fsr-3425	25	28	thorough	thorough	ADJ
fsr-3425	25	29	reviews	review	NOUN
fsr-3425	25	30	of	of	ADP
fsr-3425	25	31	the	the	DET
fsr-3425	25	32	submissions	submission	NOUN
fsr-3425	25	33	to	to	ADP
fsr-3425	25	34	our	our	PRON
fsr-3425	25	35	journal	journal	NOUN
fsr-3425	25	36	.	.	PUNCT
fsr-3425	26	1	please	please	INTJ
fsr-3425	26	2	consider	consider	VERB
fsr-3425	26	3	submission	submission	NOUN
fsr-3425	26	4	to	to	ADP
fsr-3425	26	5	the	the	DET
fsr-3425	26	6	financial	financial	ADJ
fsr-3425	26	7	services	service	NOUN
fsr-3425	26	8	review	review	NOUN
fsr-3425	26	9	and	and	CCONJ
fsr-3425	26	10	rely	rely	VERB
fsr-3425	26	11	on	on	ADP
fsr-3425	26	12	the	the	DET
fsr-3425	26	13	style	style	NOUN
fsr-3425	26	14	information	information	NOUN
fsr-3425	26	15	provided	provide	VERB
fsr-3425	26	16	to	to	PART
fsr-3425	26	17	ease	ease	VERB
fsr-3425	26	18	readability	readability	NOUN
fsr-3425	26	19	and	and	CCONJ
fsr-3425	26	20	streamline	streamline	VERB
fsr-3425	26	21	the	the	DET
fsr-3425	26	22	review	review	NOUN
fsr-3425	26	23	process	process	NOUN
fsr-3425	26	24	.	.	PUNCT
fsr-3425	27	1	the	the	DET
fsr-3425	27	2	journal	journal	NOUN
fsr-3425	27	3	welcomes	welcome	VERB
fsr-3425	27	4	articles	article	NOUN
fsr-3425	27	5	over	over	ADP
fsr-3425	27	6	the	the	DET
fsr-3425	27	7	range	range	NOUN
fsr-3425	27	8	of	of	ADP
fsr-3425	27	9	areas	area	NOUN
fsr-3425	27	10	that	that	PRON
fsr-3425	27	11	comprise	comprise	VERB
fsr-3425	27	12	personal	personal	ADJ
fsr-3425	27	13	financial	financial	ADJ
fsr-3425	27	14	planning	planning	NOUN
fsr-3425	27	15	.	.	PUNCT
fsr-3425	28	1	while	while	SCONJ
fsr-3425	28	2	fsr	fsr	PROPN
fsr-3425	28	3	articles	article	NOUN
fsr-3425	28	4	are	be	AUX
fsr-3425	28	5	certainly	certainly	ADV
fsr-3425	28	6	diverse	diverse	ADJ
fsr-3425	28	7	in	in	ADP
fsr-3425	28	8	terms	term	NOUN
fsr-3425	28	9	of	of	ADP
fsr-3425	28	10	topic	topic	NOUN
fsr-3425	28	11	,	,	PUNCT
fsr-3425	28	12	data	datum	NOUN
fsr-3425	28	13	,	,	PUNCT
fsr-3425	28	14	and	and	CCONJ
fsr-3425	28	15	method	method	NOUN
fsr-3425	28	16	,	,	PUNCT
fsr-3425	28	17	they	they	PRON
fsr-3425	28	18	are	be	AUX
fsr-3425	28	19	focused	focus	VERB
fsr-3425	28	20	in	in	ADP
fsr-3425	28	21	terms	term	NOUN
fsr-3425	28	22	of	of	ADP
fsr-3425	28	23	motivation	motivation	NOUN
fsr-3425	28	24	.	.	PUNCT
fsr-3425	29	1	fsr	fsr	PROPN
fsr-3425	29	2	exists	exist	VERB
fsr-3425	29	3	to	to	PART
fsr-3425	29	4	produce	produce	VERB
fsr-3425	29	5	research	research	NOUN
fsr-3425	29	6	that	that	PRON
fsr-3425	29	7	addresses	address	VERB
fsr-3425	29	8	issues	issue	NOUN
fsr-3425	29	9	that	that	PRON
fsr-3425	29	10	matter	matter	VERB
fsr-3425	29	11	to	to	ADP
fsr-3425	29	12	individuals	individual	NOUN
fsr-3425	29	13	.	.	PUNCT
fsr-3425	30	1	i	i	PRON
fsr-3425	30	2	remain	remain	VERB
fsr-3425	30	3	committed	committed	ADJ
fsr-3425	30	4	to	to	ADP
fsr-3425	30	5	the	the	DET
fsr-3425	30	6	goal	goal	NOUN
fsr-3425	30	7	of	of	ADP
fsr-3425	30	8	making	make	VERB
fsr-3425	30	9	financial	financial	ADJ
fsr-3425	30	10	services	service	NOUN
fsr-3425	30	11	review	review	VERB
fsr-3425	30	12	the	the	DET
fsr-3425	30	13	best	good	ADJ
fsr-3425	30	14	academic	academic	ADJ
fsr-3425	30	15	journal	journal	NOUN
fsr-3425	30	16	in	in	ADP
fsr-3425	30	17	individual	individual	ADJ
fsr-3425	30	18	financial	financial	ADJ
fsr-3425	30	19	management	management	NOUN
fsr-3425	30	20	and	and	CCONJ
fsr-3425	30	21	personal	personal	ADJ
fsr-3425	30	22	financial	financial	ADJ
fsr-3425	30	23	planning	planning	NOUN
fsr-3425	30	24	.	.	PUNCT
fsr-3425	31	1	best	good	ADJ
fsr-3425	31	2	regards	regard	VERB
fsr-3425	31	3	,	,	PUNCT
fsr-3425	31	4	stuart	stuart	PROPN
fsr-3425	31	5	michelson	michelson	PROPN
fsr-3425	31	6	editor	editor	PROPN
fsr-3425	31	7	financial	financial	PROPN
fsr-3425	31	8	services	services	PROPN
fsr-3425	31	9	review	review	VERB
fsr-3425	31	10	vi	vi	PROPN
fsr-3425	31	11	s.	s.	PROPN
fsr-3425	31	12	michelson	michelson	PROPN
fsr-3425	31	13	/	/	SYM
fsr-3425	31	14	financial	financial	ADJ
fsr-3425	31	15	services	service	NOUN
fsr-3425	31	16	review	review	VERB
fsr-3425	31	17	28	28	NUM
fsr-3425	31	18	(	(	PUNCT
fsr-3425	31	19	2020	2020	NUM
fsr-3425	31	20	)	)	PUNCT
fsr-3425	31	21	v	v	NOUN
fsr-3425	31	22	–	–	PUNCT
fsr-3425	31	23	vi	vi	NOUN