id	sid	tid	token	lemma	pos
fsr-3454	1	1	from	from	ADP
fsr-3454	1	2	the	the	DET
fsr-3454	1	3	editor	editor	NOUN
fsr-3454	1	4	this	this	DET
fsr-3454	1	5	issue	issue	NOUN
fsr-3454	1	6	contains	contain	VERB
fsr-3454	1	7	volume	volume	NOUN
fsr-3454	1	8	29	29	NUM
fsr-3454	1	9	issue	issue	NOUN
fsr-3454	1	10	3	3	NUM
fsr-3454	1	11	of	of	ADP
fsr-3454	1	12	financial	financial	ADJ
fsr-3454	1	13	services	service	NOUN
fsr-3454	1	14	review	review	NOUN
fsr-3454	1	15	(	(	PUNCT
fsr-3454	1	16	fsr	fsr	PROPN
fsr-3454	1	17	)	)	PUNCT
fsr-3454	1	18	.	.	PUNCT
fsr-3454	2	1	i	i	PRON
fsr-3454	2	2	would	would	AUX
fsr-3454	2	3	like	like	VERB
fsr-3454	2	4	to	to	PART
fsr-3454	2	5	thank	thank	VERB
fsr-3454	2	6	the	the	DET
fsr-3454	2	7	board	board	NOUN
fsr-3454	2	8	and	and	CCONJ
fsr-3454	2	9	members	member	NOUN
fsr-3454	2	10	of	of	ADP
fsr-3454	2	11	the	the	DET
fsr-3454	2	12	academy	academy	NOUN
fsr-3454	2	13	of	of	ADP
fsr-3454	2	14	financial	financial	ADJ
fsr-3454	2	15	services	service	NOUN
fsr-3454	2	16	for	for	ADP
fsr-3454	2	17	their	their	PRON
fsr-3454	2	18	continued	continue	VERB
fsr-3454	2	19	support	support	NOUN
fsr-3454	2	20	.	.	PUNCT
fsr-3454	3	1	i	i	PRON
fsr-3454	3	2	continue	continue	VERB
fsr-3454	3	3	to	to	PART
fsr-3454	3	4	work	work	VERB
fsr-3454	3	5	in	in	ADP
fsr-3454	3	6	broadening	broaden	VERB
fsr-3454	3	7	the	the	DET
fsr-3454	3	8	scope	scope	NOUN
fsr-3454	3	9	of	of	ADP
fsr-3454	3	10	articles	article	NOUN
fsr-3454	3	11	,	,	PUNCT
fsr-3454	3	12	while	while	SCONJ
fsr-3454	3	13	still	still	ADV
fsr-3454	3	14	focusing	focus	VERB
fsr-3454	3	15	on	on	ADP
fsr-3454	3	16	individual	individual	ADJ
fsr-3454	3	17	financial	financial	ADJ
fsr-3454	3	18	management	management	NOUN
fsr-3454	3	19	and	and	CCONJ
fsr-3454	3	20	personal	personal	ADJ
fsr-3454	3	21	financial	financial	ADJ
fsr-3454	3	22	planning	planning	NOUN
fsr-3454	3	23	.	.	PUNCT
fsr-3454	4	1	i	i	PRON
fsr-3454	4	2	encourage	encourage	VERB
fsr-3454	4	3	authors	author	NOUN
fsr-3454	4	4	to	to	PART
fsr-3454	4	5	reach	reach	VERB
fsr-3454	4	6	out	out	ADP
fsr-3454	4	7	when	when	SCONJ
fsr-3454	4	8	discussing	discuss	VERB
fsr-3454	4	9	implications	implication	NOUN
fsr-3454	4	10	of	of	ADP
fsr-3454	4	11	their	their	PRON
fsr-3454	4	12	findings	finding	NOUN
fsr-3454	4	13	in	in	ADP
fsr-3454	4	14	a	a	DET
fsr-3454	4	15	more	more	ADV
fsr-3454	4	16	comprehensive	comprehensive	ADJ
fsr-3454	4	17	way	way	NOUN
fsr-3454	4	18	.	.	PUNCT
fsr-3454	5	1	as	as	SCONJ
fsr-3454	5	2	such	such	ADJ
fsr-3454	5	3	,	,	PUNCT
fsr-3454	5	4	all	all	DET
fsr-3454	5	5	articles	article	NOUN
fsr-3454	5	6	in	in	ADP
fsr-3454	5	7	the	the	DET
fsr-3454	5	8	journal	journal	NOUN
fsr-3454	5	9	more	more	ADV
fsr-3454	5	10	appropriately	appropriately	ADV
fsr-3454	5	11	relate	relate	VERB
fsr-3454	5	12	to	to	ADP
fsr-3454	5	13	financial	financial	ADJ
fsr-3454	5	14	planning	planning	NOUN
fsr-3454	5	15	issues	issue	NOUN
fsr-3454	5	16	.	.	PUNCT
fsr-3454	6	1	the	the	DET
fsr-3454	6	2	lead	lead	ADJ
fsr-3454	6	3	article	article	NOUN
fsr-3454	6	4	“	"	PUNCT
fsr-3454	6	5	the	the	DET
fsr-3454	6	6	relationship	relationship	NOUN
fsr-3454	6	7	between	between	ADP
fsr-3454	6	8	objective	objective	ADJ
fsr-3454	6	9	financial	financial	ADJ
fsr-3454	6	10	knowledge	knowledge	NOUN
fsr-3454	6	11	,	,	PUNCT
fsr-3454	6	12	financial	financial	ADJ
fsr-3454	6	13	management	management	NOUN
fsr-3454	6	14	,	,	PUNCT
fsr-3454	6	15	and	and	CCONJ
fsr-3454	6	16	financial	financial	ADJ
fsr-3454	6	17	self	self	NOUN
fsr-3454	6	18	-	-	PUNCT
fsr-3454	6	19	efficacy	efficacy	NOUN
fsr-3454	6	20	among	among	ADP
fsr-3454	6	21	african	african	ADJ
fsr-3454	6	22	american	american	ADJ
fsr-3454	6	23	students	student	NOUN
fsr-3454	6	24	”	"	PUNCT
fsr-3454	6	25	is	be	AUX
fsr-3454	6	26	coauthored	coauthore	VERB
fsr-3454	6	27	by	by	ADP
fsr-3454	6	28	kenneth	kenneth	PROPN
fsr-3454	6	29	white	white	PROPN
fsr-3454	6	30	at	at	ADP
fsr-3454	6	31	university	university	PROPN
fsr-3454	6	32	of	of	ADP
fsr-3454	6	33	georgia	georgia	PROPN
fsr-3454	6	34	,	,	PUNCT
fsr-3454	6	35	narang	narang	PROPN
fsr-3454	6	36	park	park	PROPN
fsr-3454	6	37	at	at	ADP
fsr-3454	6	38	texas	texas	PROPN
fsr-3454	6	39	state	state	PROPN
fsr-3454	6	40	university	university	PROPN
fsr-3454	6	41	,	,	PUNCT
fsr-3454	6	42	kimberly	kimberly	PROPN
fsr-3454	6	43	watkins	watkins	PROPN
fsr-3454	6	44	at	at	ADP
fsr-3454	6	45	university	university	PROPN
fsr-3454	6	46	of	of	ADP
fsr-3454	6	47	alabama	alabama	PROPN
fsr-3454	6	48	,	,	PUNCT
fsr-3454	6	49	megan	megan	PROPN
fsr-3454	6	50	mccoy	mccoy	PROPN
fsr-3454	6	51	at	at	ADP
fsr-3454	6	52	kansas	kansas	PROPN
fsr-3454	6	53	state	state	PROPN
fsr-3454	6	54	university	university	PROPN
fsr-3454	6	55	,	,	PUNCT
fsr-3454	6	56	and	and	CCONJ
fsr-3454	6	57	joycelyn	joycelyn	ADJ
fsr-3454	6	58	morris	morris	PROPN
fsr-3454	6	59	at	at	ADP
fsr-3454	6	60	florida	florida	PROPN
fsr-3454	6	61	international	international	PROPN
fsr-3454	6	62	university	university	PROPN
fsr-3454	6	63	.	.	PUNCT
fsr-3454	7	1	the	the	DET
fsr-3454	7	2	authors	author	NOUN
fsr-3454	7	3	examine	examine	VERB
fsr-3454	7	4	the	the	DET
fsr-3454	7	5	factors	factor	NOUN
fsr-3454	7	6	contributing	contribute	VERB
fsr-3454	7	7	to	to	ADP
fsr-3454	7	8	african	african	ADJ
fsr-3454	7	9	american	american	PROPN
fsr-3454	7	10	college	college	PROPN
fsr-3454	7	11	students	student	NOUN
fsr-3454	7	12	’	’	PART
fsr-3454	7	13	financial	financial	ADJ
fsr-3454	7	14	literacy	literacy	NOUN
fsr-3454	7	15	.	.	PUNCT
fsr-3454	8	1	using	use	VERB
fsr-3454	8	2	the	the	DET
fsr-3454	8	3	national	national	ADJ
fsr-3454	8	4	student	student	PROPN
fsr-3454	8	5	financial	financial	PROPN
fsr-3454	8	6	wellness	wellness	NOUN
fsr-3454	8	7	study	study	NOUN
fsr-3454	8	8	and	and	CCONJ
fsr-3454	8	9	structural	structural	ADJ
fsr-3454	8	10	equation	equation	NOUN
fsr-3454	8	11	modeling	modeling	NOUN
fsr-3454	8	12	,	,	PUNCT
fsr-3454	8	13	their	their	PRON
fsr-3454	8	14	findings	finding	NOUN
fsr-3454	8	15	suggest	suggest	VERB
fsr-3454	8	16	that	that	SCONJ
fsr-3454	8	17	for	for	ADP
fsr-3454	8	18	african	african	ADJ
fsr-3454	8	19	american	american	ADJ
fsr-3454	8	20	students	student	NOUN
fsr-3454	8	21	,	,	PUNCT
fsr-3454	8	22	objective	objective	ADJ
fsr-3454	8	23	financial	financial	ADJ
fsr-3454	8	24	knowledge	knowledge	NOUN
fsr-3454	8	25	is	be	AUX
fsr-3454	8	26	not	not	PART
fsr-3454	8	27	directly	directly	ADV
fsr-3454	8	28	or	or	CCONJ
fsr-3454	8	29	indirectly	indirectly	ADV
fsr-3454	8	30	associated	associate	VERB
fsr-3454	8	31	with	with	ADP
fsr-3454	8	32	financial	financial	ADJ
fsr-3454	8	33	self	self	NOUN
fsr-3454	8	34	-	-	PUNCT
fsr-3454	8	35	efficacy	efficacy	NOUN
fsr-3454	8	36	.	.	PUNCT
fsr-3454	9	1	they	they	PRON
fsr-3454	9	2	find	find	VERB
fsr-3454	9	3	that	that	SCONJ
fsr-3454	9	4	only	only	ADJ
fsr-3454	9	5	financial	financial	ADJ
fsr-3454	9	6	management	management	NOUN
fsr-3454	9	7	is	be	AUX
fsr-3454	9	8	significantly	significantly	ADV
fsr-3454	9	9	associated	associate	VERB
fsr-3454	9	10	with	with	ADP
fsr-3454	9	11	increased	increase	VERB
fsr-3454	9	12	financial	financial	ADJ
fsr-3454	9	13	self	self	NOUN
fsr-3454	9	14	-	-	PUNCT
fsr-3454	9	15	efficacy	efficacy	NOUN
fsr-3454	9	16	.	.	PUNCT
fsr-3454	10	1	their	their	PRON
fsr-3454	10	2	findings	finding	NOUN
fsr-3454	10	3	posit	posit	VERB
fsr-3454	10	4	that	that	SCONJ
fsr-3454	10	5	experiential	experiential	ADJ
fsr-3454	10	6	learning	learning	NOUN
fsr-3454	10	7	may	may	AUX
fsr-3454	10	8	be	be	AUX
fsr-3454	10	9	effective	effective	ADJ
fsr-3454	10	10	for	for	ADP
fsr-3454	10	11	improving	improve	VERB
fsr-3454	10	12	african	african	ADJ
fsr-3454	10	13	american	american	ADJ
fsr-3454	10	14	students	student	NOUN
fsr-3454	10	15	’’	’'	PUNCT
fsr-3454	10	16	financial	financial	ADJ
fsr-3454	10	17	literacy	literacy	NOUN
fsr-3454	10	18	.	.	PUNCT
fsr-3454	11	1	the	the	DET
fsr-3454	11	2	second	second	ADJ
fsr-3454	11	3	article	article	NOUN
fsr-3454	11	4	“	"	PUNCT
fsr-3454	11	5	income	income	VERB
fsr-3454	11	6	more	more	ADV
fsr-3454	11	7	important	important	ADJ
fsr-3454	11	8	than	than	ADP
fsr-3454	11	9	financial	financial	ADJ
fsr-3454	11	10	literacy	literacy	NOUN
fsr-3454	11	11	for	for	ADP
fsr-3454	11	12	improving	improve	VERB
fsr-3454	11	13	wellbeing	wellbeing	NOUN
fsr-3454	11	14	”	"	PUNCT
fsr-3454	11	15	is	be	AUX
fsr-3454	11	16	coauthored	coauthore	VERB
fsr-3454	11	17	by	by	ADP
fsr-3454	11	18	tracey	tracey	PROPN
fsr-3454	11	19	west	west	PROPN
fsr-3454	11	20	at	at	ADP
fsr-3454	11	21	griffith	griffith	PROPN
fsr-3454	11	22	university	university	PROPN
fsr-3454	11	23	,	,	PUNCT
fsr-3454	11	24	michelle	michelle	PROPN
fsr-3454	11	25	cull	cull	PROPN
fsr-3454	11	26	at	at	ADP
fsr-3454	11	27	western	western	PROPN
fsr-3454	11	28	sydney	sydney	PROPN
fsr-3454	11	29	university	university	PROPN
fsr-3454	11	30	and	and	CCONJ
fsr-3454	11	31	dianne	dianne	PROPN
fsr-3454	11	32	johnson	johnson	PROPN
fsr-3454	11	33	at	at	ADP
fsr-3454	11	34	griffith	griffith	PROPN
fsr-3454	11	35	university	university	PROPN
fsr-3454	11	36	.	.	PUNCT
fsr-3454	12	1	the	the	DET
fsr-3454	12	2	authors	author	NOUN
fsr-3454	12	3	study	study	VERB
fsr-3454	12	4	the	the	DET
fsr-3454	12	5	impact	impact	NOUN
fsr-3454	12	6	of	of	ADP
fsr-3454	12	7	financial	financial	ADJ
fsr-3454	12	8	literacy	literacy	NOUN
fsr-3454	12	9	on	on	ADP
fsr-3454	12	10	financial	financial	ADJ
fsr-3454	12	11	behaviors	behavior	NOUN
fsr-3454	12	12	.	.	PUNCT
fsr-3454	13	1	they	they	PRON
fsr-3454	13	2	do	do	AUX
fsr-3454	13	3	not	not	PART
fsr-3454	13	4	find	find	VERB
fsr-3454	13	5	that	that	SCONJ
fsr-3454	13	6	university	university	NOUN
fsr-3454	13	7	students	student	NOUN
fsr-3454	13	8	with	with	ADP
fsr-3454	13	9	higher	high	ADJ
fsr-3454	13	10	levels	level	NOUN
fsr-3454	13	11	of	of	ADP
fsr-3454	13	12	financial	financial	ADJ
fsr-3454	13	13	literacy	literacy	NOUN
fsr-3454	13	14	have	have	AUX
fsr-3454	13	15	reduced	reduce	VERB
fsr-3454	13	16	money	money	NOUN
fsr-3454	13	17	management	management	NOUN
fsr-3454	13	18	stress	stress	NOUN
fsr-3454	13	19	and	and	CCONJ
fsr-3454	13	20	positive	positive	ADJ
fsr-3454	13	21	financial	financial	ADJ
fsr-3454	13	22	behavior	behavior	NOUN
fsr-3454	13	23	,	,	PUNCT
fsr-3454	13	24	leading	lead	VERB
fsr-3454	13	25	to	to	ADP
fsr-3454	13	26	higher	high	ADJ
fsr-3454	13	27	levels	level	NOUN
fsr-3454	13	28	of	of	ADP
fsr-3454	13	29	financial	financial	ADJ
fsr-3454	13	30	wellbeing	wellbeing	NOUN
fsr-3454	13	31	.	.	PUNCT
fsr-3454	14	1	they	they	PRON
fsr-3454	14	2	do	do	AUX
fsr-3454	14	3	find	find	VERB
fsr-3454	14	4	that	that	SCONJ
fsr-3454	14	5	being	be	AUX
fsr-3454	14	6	older	old	ADJ
fsr-3454	14	7	and	and	CCONJ
fsr-3454	14	8	having	have	VERB
fsr-3454	14	9	higher	high	ADJ
fsr-3454	14	10	levels	level	NOUN
fsr-3454	14	11	of	of	ADP
fsr-3454	14	12	income	income	NOUN
fsr-3454	14	13	contributed	contribute	VERB
fsr-3454	14	14	most	most	ADV
fsr-3454	14	15	significantly	significantly	ADV
fsr-3454	14	16	and	and	CCONJ
fsr-3454	14	17	consistently	consistently	ADV
fsr-3454	14	18	to	to	ADP
fsr-3454	14	19	explaining	explain	VERB
fsr-3454	14	20	better	well	ADJ
fsr-3454	14	21	financial	financial	ADJ
fsr-3454	14	22	wellbeing	wellbeing	NOUN
fsr-3454	14	23	.	.	PUNCT
fsr-3454	15	1	the	the	DET
fsr-3454	15	2	third	third	ADJ
fsr-3454	15	3	article	article	NOUN
fsr-3454	15	4	,	,	PUNCT
fsr-3454	15	5	“	"	PUNCT
fsr-3454	15	6	the	the	DET
fsr-3454	15	7	effect	effect	NOUN
fsr-3454	15	8	of	of	ADP
fsr-3454	15	9	risk	risk	NOUN
fsr-3454	15	10	literacy	literacy	NOUN
fsr-3454	15	11	and	and	CCONJ
fsr-3454	15	12	visual	visual	ADJ
fsr-3454	15	13	aids	aid	NOUN
fsr-3454	15	14	on	on	ADP
fsr-3454	15	15	portfolio	portfolio	NOUN
fsr-3454	15	16	choices	choice	NOUN
fsr-3454	15	17	among	among	ADP
fsr-3454	15	18	professional	professional	ADJ
fsr-3454	15	19	financial	financial	ADJ
fsr-3454	15	20	planners	planner	NOUN
fsr-3454	15	21	”	"	PUNCT
fsr-3454	15	22	is	be	AUX
fsr-3454	15	23	coauthored	coauthore	VERB
fsr-3454	15	24	by	by	ADP
fsr-3454	15	25	meghaan	meghaan	PROPN
fsr-3454	15	26	r.	r.	PROPN
fsr-3454	15	27	lurtz	lurtz	PROPN
fsr-3454	15	28	at	at	ADP
fsr-3454	15	29	university	university	PROPN
fsr-3454	15	30	of	of	ADP
fsr-3454	15	31	maryland	maryland	PROPN
fsr-3454	15	32	university	university	PROPN
fsr-3454	15	33	college	college	NOUN
fsr-3454	15	34	,	,	PUNCT
fsr-3454	15	35	michael	michael	PROPN
fsr-3454	15	36	g.	g.	PROPN
fsr-3454	15	37	kothakota	kothakota	PROPN
fsr-3454	15	38	at	at	ADP
fsr-3454	15	39	wolfbridge	wolfbridge	PROPN
fsr-3454	15	40	wealth	wealth	NOUN
fsr-3454	15	41	management	management	NOUN
fsr-3454	15	42	,	,	PUNCT
fsr-3454	15	43	stuart	stuart	PROPN
fsr-3454	15	44	j.	j.	PROPN
fsr-3454	15	45	heckman	heckman	PROPN
fsr-3454	15	46	at	at	ADP
fsr-3454	15	47	kansas	kansas	PROPN
fsr-3454	15	48	state	state	PROPN
fsr-3454	15	49	university	university	PROPN
fsr-3454	15	50	,	,	PUNCT
fsr-3454	15	51	and	and	CCONJ
fsr-3454	15	52	kristy	kristy	PROPN
fsr-3454	15	53	archuleta	archuleta	PROPN
fsr-3454	15	54	at	at	ADP
fsr-3454	15	55	university	university	PROPN
fsr-3454	15	56	of	of	ADP
fsr-3454	15	57	georgia	georgia	PROPN
fsr-3454	15	58	.	.	PUNCT
fsr-3454	16	1	in	in	ADP
fsr-3454	16	2	this	this	DET
fsr-3454	16	3	article	article	NOUN
fsr-3454	16	4	the	the	DET
fsr-3454	16	5	authors	author	NOUN
fsr-3454	16	6	explore	explore	VERB
fsr-3454	16	7	the	the	DET
fsr-3454	16	8	impact	impact	NOUN
fsr-3454	16	9	of	of	ADP
fsr-3454	16	10	risk	risk	NOUN
fsr-3454	16	11	literacy	literacy	NOUN
fsr-3454	16	12	on	on	ADP
fsr-3454	16	13	the	the	DET
fsr-3454	16	14	ability	ability	NOUN
fsr-3454	16	15	to	to	PART
fsr-3454	16	16	understand	understand	VERB
fsr-3454	16	17	and	and	CCONJ
fsr-3454	16	18	interpret	interpret	VERB
fsr-3454	16	19	probabilistic	probabilistic	ADJ
fsr-3454	16	20	trade	trade	NOUN
fsr-3454	16	21	-	-	PUNCT
fsr-3454	16	22	offs	off	NOUN
fsr-3454	16	23	.	.	PUNCT
fsr-3454	17	1	the	the	DET
fsr-3454	17	2	authors	author	NOUN
fsr-3454	17	3	use	use	VERB
fsr-3454	17	4	an	an	DET
fsr-3454	17	5	experimental	experimental	ADJ
fsr-3454	17	6	design	design	NOUN
fsr-3454	17	7	to	to	PART
fsr-3454	17	8	test	test	VERB
fsr-3454	17	9	financial	financial	ADJ
fsr-3454	17	10	planners	planner	NOUN
fsr-3454	17	11	’	’	PART
fsr-3454	17	12	risk	risk	NOUN
fsr-3454	17	13	literacy	literacy	NOUN
fsr-3454	17	14	and	and	CCONJ
fsr-3454	17	15	their	their	PRON
fsr-3454	17	16	ability	ability	NOUN
fsr-3454	17	17	to	to	PART
fsr-3454	17	18	select	select	VERB
fsr-3454	17	19	the	the	DET
fsr-3454	17	20	most	most	ADV
fsr-3454	17	21	resilient	resilient	ADJ
fsr-3454	17	22	portfolio	portfolio	NOUN
fsr-3454	17	23	based	base	VERB
fsr-3454	17	24	on	on	ADP
fsr-3454	17	25	whether	whether	SCONJ
fsr-3454	17	26	they	they	PRON
fsr-3454	17	27	were	be	AUX
fsr-3454	17	28	given	give	VERB
fsr-3454	17	29	probabilistic	probabilistic	ADJ
fsr-3454	17	30	information	information	NOUN
fsr-3454	17	31	and	and	CCONJ
fsr-3454	17	32	a	a	DET
fsr-3454	17	33	visual	visual	ADJ
fsr-3454	17	34	representation	representation	NOUN
fsr-3454	17	35	or	or	CCONJ
fsr-3454	17	36	only	only	ADV
fsr-3454	17	37	1057	1057	NUM
fsr-3454	17	38	-	-	SYM
fsr-3454	17	39	0810/21/$	0810/21/$	NUM
fsr-3454	17	40	–	–	PUNCT
fsr-3454	17	41	see	see	VERB
fsr-3454	17	42	front	front	ADJ
fsr-3454	17	43	matter	matter	NOUN
fsr-3454	17	44	©	©	PROPN
fsr-3454	17	45	2021	2021	NUM
fsr-3454	17	46	academy	academy	NOUN
fsr-3454	17	47	of	of	ADP
fsr-3454	17	48	financial	financial	ADJ
fsr-3454	17	49	services	service	NOUN
fsr-3454	17	50	.	.	PUNCT
fsr-3454	18	1	all	all	DET
fsr-3454	18	2	rights	right	NOUN
fsr-3454	18	3	reserved	reserve	VERB
fsr-3454	18	4	.	.	PUNCT
fsr-3454	19	1	financial	financial	ADJ
fsr-3454	19	2	services	service	NOUN
fsr-3454	19	3	review	review	VERB
fsr-3454	19	4	29	29	NUM
fsr-3454	19	5	(	(	PUNCT
fsr-3454	19	6	2021	2021	NUM
fsr-3454	19	7	)	)	PUNCT
fsr-3454	19	8	v	v	NOUN
fsr-3454	19	9	–	–	PUNCT
fsr-3454	19	10	vi	vi	NOUN
fsr-3454	19	11	probabilistic	probabilistic	ADJ
fsr-3454	19	12	information	information	NOUN
fsr-3454	19	13	.	.	PUNCT
fsr-3454	20	1	their	their	PRON
fsr-3454	20	2	results	result	NOUN
fsr-3454	20	3	indicate	indicate	VERB
fsr-3454	20	4	that	that	SCONJ
fsr-3454	20	5	visual	visual	ADJ
fsr-3454	20	6	representation	representation	NOUN
fsr-3454	20	7	does	do	AUX
fsr-3454	20	8	help	help	VERB
fsr-3454	20	9	financial	financial	ADJ
fsr-3454	20	10	planners	planner	NOUN
fsr-3454	20	11	determine	determine	VERB
fsr-3454	20	12	the	the	DET
fsr-3454	20	13	appropriate	appropriate	ADJ
fsr-3454	20	14	choice	choice	NOUN
fsr-3454	20	15	,	,	PUNCT
fsr-3454	20	16	but	but	CCONJ
fsr-3454	20	17	risk	risk	NOUN
fsr-3454	20	18	literacy	literacy	NOUN
fsr-3454	20	19	does	do	VERB
fsr-3454	20	20	not	not	PART
fsr-3454	20	21	.	.	PUNCT
fsr-3454	21	1	the	the	DET
fsr-3454	21	2	final	final	ADJ
fsr-3454	21	3	article	article	NOUN
fsr-3454	21	4	,	,	PUNCT
fsr-3454	21	5	“	"	PUNCT
fsr-3454	21	6	enumerating	enumerate	VERB
fsr-3454	21	7	the	the	DET
fsr-3454	21	8	value	value	NOUN
fsr-3454	21	9	of	of	ADP
fsr-3454	21	10	financial	financial	ADJ
fsr-3454	21	11	advice	advice	NOUN
fsr-3454	21	12	in	in	ADP
fsr-3454	21	13	a	a	DET
fsr-3454	21	14	competitive	competitive	ADJ
fsr-3454	21	15	market	market	NOUN
fsr-3454	21	16	:	:	PUNCT
fsr-3454	21	17	a	a	DET
fsr-3454	21	18	dual	dual	ADJ
fsr-3454	21	19	structure	structure	NOUN
fsr-3454	21	20	approach	approach	NOUN
fsr-3454	21	21	&	&	CCONJ
fsr-3454	21	22	analysis	analysis	NOUN
fsr-3454	21	23	”	"	PUNCT
fsr-3454	21	24	is	be	AUX
fsr-3454	21	25	coauthored	coauthore	VERB
fsr-3454	21	26	by	by	ADP
fsr-3454	21	27	steve	steve	PROPN
fsr-3454	21	28	p.	p.	PROPN
fsr-3454	21	29	fraser	fraser	PROPN
fsr-3454	21	30	at	at	ADP
fsr-3454	21	31	florida	florida	PROPN
fsr-3454	21	32	gulf	gulf	PROPN
fsr-3454	21	33	coast	coast	PROPN
fsr-3454	21	34	university	university	PROPN
fsr-3454	21	35	,	,	PUNCT
fsr-3454	21	36	brian	brian	PROPN
fsr-3454	21	37	c.	c.	PROPN
fsr-3454	21	38	payne	payne	PROPN
fsr-3454	21	39	at	at	ADP
fsr-3454	21	40	university	university	PROPN
fsr-3454	21	41	of	of	ADP
fsr-3454	21	42	nebraska	nebraska	PROPN
fsr-3454	21	43	at	at	ADP
fsr-3454	21	44	omaha	omaha	PROPN
fsr-3454	21	45	,	,	PUNCT
fsr-3454	21	46	and	and	CCONJ
fsr-3454	21	47	scott	scott	PROPN
fsr-3454	21	48	schatzle	schatzle	PROPN
fsr-3454	21	49	at	at	ADP
fsr-3454	21	50	mutual	mutual	ADJ
fsr-3454	21	51	trust	trust	NOUN
fsr-3454	21	52	advisory	advisory	NOUN
fsr-3454	21	53	group	group	NOUN
fsr-3454	21	54	.	.	PUNCT
fsr-3454	22	1	in	in	ADP
fsr-3454	22	2	this	this	DET
fsr-3454	22	3	article	article	NOUN
fsr-3454	22	4	,	,	PUNCT
fsr-3454	22	5	the	the	DET
fsr-3454	22	6	authors	author	NOUN
fsr-3454	22	7	introduce	introduce	VERB
fsr-3454	22	8	and	and	CCONJ
fsr-3454	22	9	examine	examine	VERB
fsr-3454	22	10	a	a	DET
fsr-3454	22	11	composite	composite	ADJ
fsr-3454	22	12	,	,	PUNCT
fsr-3454	22	13	dual	dual	ADJ
fsr-3454	22	14	fee	fee	NOUN
fsr-3454	22	15	structure	structure	NOUN
fsr-3454	22	16	(	(	PUNCT
fsr-3454	22	17	cdfs	cdfs	PROPN
fsr-3454	22	18	)	)	PUNCT
fsr-3454	22	19	for	for	ADP
fsr-3454	22	20	financial	financial	ADJ
fsr-3454	22	21	planners	planner	NOUN
fsr-3454	22	22	that	that	PRON
fsr-3454	22	23	helps	helps	AUX
fsr-3454	22	24	quantify	quantify	VERB
fsr-3454	22	25	the	the	DET
fsr-3454	22	26	value	value	NOUN
fsr-3454	22	27	of	of	ADP
fsr-3454	22	28	financial	financial	ADJ
fsr-3454	22	29	advice	advice	NOUN
fsr-3454	22	30	.	.	PUNCT
fsr-3454	23	1	they	they	PRON
fsr-3454	23	2	specifically	specifically	ADV
fsr-3454	23	3	separate	separate	VERB
fsr-3454	23	4	financial	financial	ADJ
fsr-3454	23	5	planning	planning	NOUN
fsr-3454	23	6	(	(	PUNCT
fsr-3454	23	7	advice	advice	NOUN
fsr-3454	23	8	)	)	PUNCT
fsr-3454	23	9	fees	fee	NOUN
fsr-3454	23	10	based	base	VERB
fsr-3454	23	11	on	on	ADP
fsr-3454	23	12	total	total	ADJ
fsr-3454	23	13	net	net	ADJ
fsr-3454	23	14	worth	worth	NOUN
fsr-3454	23	15	(	(	PUNCT
fsr-3454	23	16	nw	nw	INTJ
fsr-3454	23	17	)	)	PUNCT
fsr-3454	23	18	from	from	ADP
fsr-3454	23	19	investment	investment	NOUN
fsr-3454	23	20	management	management	NOUN
fsr-3454	23	21	(	(	PUNCT
fsr-3454	23	22	i	i	NOUN
fsr-3454	23	23	m	m	NOUN
fsr-3454	23	24	)	)	PUNCT
fsr-3454	23	25	fees	fee	NOUN
fsr-3454	23	26	based	base	VERB
fsr-3454	23	27	on	on	ADP
fsr-3454	23	28	assets	asset	NOUN
fsr-3454	23	29	under	under	ADP
fsr-3454	23	30	management	management	NOUN
fsr-3454	23	31	(	(	PUNCT
fsr-3454	23	32	aum	aum	NOUN
fsr-3454	23	33	)	)	PUNCT
fsr-3454	23	34	,	,	PUNCT
fsr-3454	23	35	which	which	PRON
fsr-3454	23	36	are	be	AUX
fsr-3454	23	37	readily	readily	ADV
fsr-3454	23	38	observable	observable	ADJ
fsr-3454	23	39	and	and	CCONJ
fsr-3454	23	40	pervasive	pervasive	ADJ
fsr-3454	23	41	in	in	ADP
fsr-3454	23	42	the	the	DET
fsr-3454	23	43	marketplace	marketplace	NOUN
fsr-3454	23	44	.	.	PUNCT
fsr-3454	24	1	the	the	DET
fsr-3454	24	2	authors	author	NOUN
fsr-3454	24	3	state	state	VERB
fsr-3454	24	4	that	that	SCONJ
fsr-3454	24	5	with	with	ADP
fsr-3454	24	6	this	this	DET
fsr-3454	24	7	knowledge	knowledge	NOUN
fsr-3454	24	8	,	,	PUNCT
fsr-3454	24	9	the	the	DET
fsr-3454	24	10	financial	financial	ADJ
fsr-3454	24	11	value	value	NOUN
fsr-3454	24	12	of	of	ADP
fsr-3454	24	13	the	the	DET
fsr-3454	24	14	non	non	ADJ
fsr-3454	24	15	-	-	ADJ
fsr-3454	24	16	im	im	ADJ
fsr-3454	24	17	component	component	NOUN
fsr-3454	24	18	of	of	ADP
fsr-3454	24	19	financial	financial	ADJ
fsr-3454	24	20	planning	planning	NOUN
fsr-3454	24	21	services	service	NOUN
fsr-3454	24	22	can	can	AUX
fsr-3454	24	23	reduce	reduce	VERB
fsr-3454	24	24	perceived	perceive	VERB
fsr-3454	24	25	conflicts	conflict	NOUN
fsr-3454	24	26	of	of	ADP
fsr-3454	24	27	interest	interest	NOUN
fsr-3454	24	28	by	by	ADP
fsr-3454	24	29	permitting	permit	VERB
fsr-3454	24	30	financial	financial	ADJ
fsr-3454	24	31	planners	planner	NOUN
fsr-3454	24	32	to	to	PART
fsr-3454	24	33	generate	generate	VERB
fsr-3454	24	34	compensation	compensation	NOUN
fsr-3454	24	35	for	for	ADP
fsr-3454	24	36	non	non	ADJ
fsr-3454	24	37	-	-	ADJ
fsr-3454	24	38	im	im	ADJ
fsr-3454	24	39	planning	planning	NOUN
fsr-3454	24	40	activities	activity	NOUN
fsr-3454	24	41	in	in	ADP
fsr-3454	24	42	a	a	DET
fsr-3454	24	43	transparent	transparent	ADJ
fsr-3454	24	44	manner	manner	NOUN
fsr-3454	24	45	,	,	PUNCT
fsr-3454	24	46	whether	whether	SCONJ
fsr-3454	24	47	or	or	CCONJ
fsr-3454	24	48	not	not	PART
fsr-3454	24	49	the	the	DET
fsr-3454	24	50	client	client	NOUN
fsr-3454	24	51	moves	move	VERB
fsr-3454	24	52	investable	investable	ADJ
fsr-3454	24	53	funds	fund	NOUN
fsr-3454	24	54	to	to	ADP
fsr-3454	24	55	the	the	DET
fsr-3454	24	56	planner	planner	NOUN
fsr-3454	24	57	.	.	PUNCT
fsr-3454	25	1	thank	thank	VERB
fsr-3454	25	2	you	you	PRON
fsr-3454	25	3	to	to	ADP
fsr-3454	25	4	those	those	PRON
fsr-3454	25	5	who	who	PRON
fsr-3454	25	6	make	make	VERB
fsr-3454	25	7	the	the	DET
fsr-3454	25	8	journal	journal	NOUN
fsr-3454	25	9	possible	possible	ADJ
fsr-3454	25	10	,	,	PUNCT
fsr-3454	25	11	especially	especially	ADV
fsr-3454	25	12	the	the	DET
fsr-3454	25	13	referees	referee	NOUN
fsr-3454	25	14	and	and	CCONJ
fsr-3454	25	15	contributing	contribute	VERB
fsr-3454	25	16	authors	author	NOUN
fsr-3454	25	17	.	.	PUNCT
fsr-3454	26	1	over	over	ADP
fsr-3454	26	2	the	the	DET
fsr-3454	26	3	past	past	ADJ
fsr-3454	26	4	year	year	NOUN
fsr-3454	26	5	,	,	PUNCT
fsr-3454	26	6	the	the	DET
fsr-3454	26	7	following	follow	VERB
fsr-3454	26	8	reviewers	reviewer	NOUN
fsr-3454	26	9	provided	provide	VERB
fsr-3454	26	10	excellent	excellent	ADJ
fsr-3454	26	11	reviews	review	NOUN
fsr-3454	26	12	of	of	ADP
fsr-3454	26	13	the	the	DET
fsr-3454	26	14	articles	article	NOUN
fsr-3454	26	15	you	you	PRON
fsr-3454	26	16	enjoyed	enjoy	VERB
fsr-3454	26	17	within	within	ADP
fsr-3454	26	18	the	the	DET
fsr-3454	26	19	pages	page	NOUN
fsr-3454	26	20	of	of	ADP
fsr-3454	26	21	financial	financial	ADJ
fsr-3454	26	22	services	service	NOUN
fsr-3454	26	23	review	review	NOUN
fsr-3454	26	24	.	.	PUNCT
fsr-3454	27	1	i	i	PRON
fsr-3454	27	2	would	would	AUX
fsr-3454	27	3	like	like	VERB
fsr-3454	27	4	to	to	PART
fsr-3454	27	5	send	send	VERB
fsr-3454	27	6	a	a	DET
fsr-3454	27	7	special	special	ADJ
fsr-3454	27	8	thank	thank	NOUN
fsr-3454	27	9	you	you	PRON
fsr-3454	27	10	to	to	ADP
fsr-3454	27	11	the	the	DET
fsr-3454	27	12	many	many	ADJ
fsr-3454	27	13	reviewers	reviewer	NOUN
fsr-3454	27	14	that	that	PRON
fsr-3454	27	15	have	have	AUX
fsr-3454	27	16	significantly	significantly	ADV
fsr-3454	27	17	contributed	contribute	VERB
fsr-3454	27	18	to	to	ADP
fsr-3454	27	19	the	the	DET
fsr-3454	27	20	quality	quality	NOUN
fsr-3454	27	21	of	of	ADP
fsr-3454	27	22	our	our	PRON
fsr-3454	27	23	journal	journal	NOUN
fsr-3454	27	24	by	by	ADP
fsr-3454	27	25	providing	provide	VERB
fsr-3454	27	26	timely	timely	ADJ
fsr-3454	27	27	and	and	CCONJ
fsr-3454	27	28	thorough	thorough	ADJ
fsr-3454	27	29	reviews	review	NOUN
fsr-3454	27	30	of	of	ADP
fsr-3454	27	31	the	the	DET
fsr-3454	27	32	submissions	submission	NOUN
fsr-3454	27	33	to	to	ADP
fsr-3454	27	34	our	our	PRON
fsr-3454	27	35	journal	journal	NOUN
fsr-3454	27	36	.	.	PUNCT
fsr-3454	28	1	please	please	INTJ
fsr-3454	28	2	consider	consider	VERB
fsr-3454	28	3	submission	submission	NOUN
fsr-3454	28	4	to	to	ADP
fsr-3454	28	5	the	the	DET
fsr-3454	28	6	financial	financial	ADJ
fsr-3454	28	7	services	service	NOUN
fsr-3454	28	8	review	review	NOUN
fsr-3454	28	9	and	and	CCONJ
fsr-3454	28	10	rely	rely	VERB
fsr-3454	28	11	on	on	ADP
fsr-3454	28	12	the	the	DET
fsr-3454	28	13	style	style	NOUN
fsr-3454	28	14	information	information	NOUN
fsr-3454	28	15	provided	provide	VERB
fsr-3454	28	16	to	to	PART
fsr-3454	28	17	ease	ease	VERB
fsr-3454	28	18	readability	readability	NOUN
fsr-3454	28	19	and	and	CCONJ
fsr-3454	28	20	streamline	streamline	VERB
fsr-3454	28	21	the	the	DET
fsr-3454	28	22	review	review	NOUN
fsr-3454	28	23	process	process	NOUN
fsr-3454	28	24	.	.	PUNCT
fsr-3454	29	1	the	the	DET
fsr-3454	29	2	journal	journal	NOUN
fsr-3454	29	3	welcomes	welcome	VERB
fsr-3454	29	4	articles	article	NOUN
fsr-3454	29	5	over	over	ADP
fsr-3454	29	6	the	the	DET
fsr-3454	29	7	range	range	NOUN
fsr-3454	29	8	of	of	ADP
fsr-3454	29	9	areas	area	NOUN
fsr-3454	29	10	that	that	PRON
fsr-3454	29	11	comprise	comprise	VERB
fsr-3454	29	12	personal	personal	ADJ
fsr-3454	29	13	financial	financial	ADJ
fsr-3454	29	14	planning	planning	NOUN
fsr-3454	29	15	.	.	PUNCT
fsr-3454	30	1	while	while	SCONJ
fsr-3454	30	2	fsr	fsr	PROPN
fsr-3454	30	3	articles	article	NOUN
fsr-3454	30	4	are	be	AUX
fsr-3454	30	5	certainly	certainly	ADV
fsr-3454	30	6	diverse	diverse	ADJ
fsr-3454	30	7	in	in	ADP
fsr-3454	30	8	terms	term	NOUN
fsr-3454	30	9	of	of	ADP
fsr-3454	30	10	topic	topic	NOUN
fsr-3454	30	11	,	,	PUNCT
fsr-3454	30	12	data	datum	NOUN
fsr-3454	30	13	,	,	PUNCT
fsr-3454	30	14	and	and	CCONJ
fsr-3454	30	15	method	method	NOUN
fsr-3454	30	16	,	,	PUNCT
fsr-3454	30	17	they	they	PRON
fsr-3454	30	18	are	be	AUX
fsr-3454	30	19	focused	focus	VERB
fsr-3454	30	20	in	in	ADP
fsr-3454	30	21	terms	term	NOUN
fsr-3454	30	22	of	of	ADP
fsr-3454	30	23	motivation	motivation	NOUN
fsr-3454	30	24	.	.	PUNCT
fsr-3454	31	1	fsr	fsr	PROPN
fsr-3454	31	2	exists	exist	VERB
fsr-3454	31	3	to	to	PART
fsr-3454	31	4	produce	produce	VERB
fsr-3454	31	5	research	research	NOUN
fsr-3454	31	6	that	that	PRON
fsr-3454	31	7	addresses	address	VERB
fsr-3454	31	8	issues	issue	NOUN
fsr-3454	31	9	that	that	PRON
fsr-3454	31	10	matter	matter	VERB
fsr-3454	31	11	to	to	ADP
fsr-3454	31	12	individuals	individual	NOUN
fsr-3454	31	13	.	.	PUNCT
fsr-3454	32	1	i	i	PRON
fsr-3454	32	2	remain	remain	VERB
fsr-3454	32	3	committed	committed	ADJ
fsr-3454	32	4	to	to	ADP
fsr-3454	32	5	the	the	DET
fsr-3454	32	6	goal	goal	NOUN
fsr-3454	32	7	of	of	ADP
fsr-3454	32	8	making	make	VERB
fsr-3454	32	9	financial	financial	ADJ
fsr-3454	32	10	services	service	NOUN
fsr-3454	32	11	review	review	VERB
fsr-3454	32	12	the	the	DET
fsr-3454	32	13	best	good	ADJ
fsr-3454	32	14	academic	academic	ADJ
fsr-3454	32	15	journal	journal	NOUN
fsr-3454	32	16	in	in	ADP
fsr-3454	32	17	individual	individual	ADJ
fsr-3454	32	18	financial	financial	ADJ
fsr-3454	32	19	management	management	NOUN
fsr-3454	32	20	and	and	CCONJ
fsr-3454	32	21	personal	personal	ADJ
fsr-3454	32	22	financial	financial	ADJ
fsr-3454	32	23	planning	planning	NOUN
fsr-3454	32	24	.	.	PUNCT
fsr-3454	33	1	best	good	ADJ
fsr-3454	33	2	regards	regard	VERB
fsr-3454	33	3	,	,	PUNCT
fsr-3454	33	4	stuart	stuart	PROPN
fsr-3454	33	5	michelson	michelson	PROPN
fsr-3454	33	6	editor	editor	PROPN
fsr-3454	33	7	financial	financial	PROPN
fsr-3454	33	8	services	services	PROPN
fsr-3454	33	9	review	review	VERB
fsr-3454	33	10	s.	s.	PROPN
fsr-3454	33	11	michelson	michelson	PROPN
fsr-3454	33	12	/	/	SYM
fsr-3454	33	13	financial	financial	ADJ
fsr-3454	33	14	services	service	NOUN
fsr-3454	33	15	review	review	VERB
fsr-3454	33	16	29	29	NUM
fsr-3454	33	17	(	(	PUNCT
fsr-3454	33	18	2021	2021	NUM
fsr-3454	33	19	)	)	PUNCT
fsr-3454	33	20	v	v	NOUN
fsr-3454	33	21	–	–	PUNCT
fsr-3454	33	22	vi	vi	NOUN
fsr-3454	33	23	vi	vi	NOUN