id	sid	tid	token	lemma	pos
fsr-3468	1	1	from	from	ADP
fsr-3468	1	2	the	the	DET
fsr-3468	1	3	editor	editor	NOUN
fsr-3468	1	4	this	this	DET
fsr-3468	1	5	issue	issue	NOUN
fsr-3468	1	6	contains	contain	VERB
fsr-3468	1	7	volume	volume	NOUN
fsr-3468	1	8	30	30	NUM
fsr-3468	1	9	issue	issue	NOUN
fsr-3468	1	10	1	1	NUM
fsr-3468	1	11	of	of	ADP
fsr-3468	1	12	financial	financial	ADJ
fsr-3468	1	13	services	service	NOUN
fsr-3468	1	14	review	review	NOUN
fsr-3468	1	15	(	(	PUNCT
fsr-3468	1	16	fsr	fsr	PROPN
fsr-3468	1	17	)	)	PUNCT
fsr-3468	1	18	.	.	PUNCT
fsr-3468	2	1	i	i	PRON
fsr-3468	2	2	would	would	AUX
fsr-3468	2	3	like	like	VERB
fsr-3468	2	4	to	to	PART
fsr-3468	2	5	thank	thank	VERB
fsr-3468	2	6	the	the	DET
fsr-3468	2	7	board	board	NOUN
fsr-3468	2	8	and	and	CCONJ
fsr-3468	2	9	members	member	NOUN
fsr-3468	2	10	of	of	ADP
fsr-3468	2	11	the	the	DET
fsr-3468	2	12	academy	academy	NOUN
fsr-3468	2	13	of	of	ADP
fsr-3468	2	14	financial	financial	ADJ
fsr-3468	2	15	services	service	NOUN
fsr-3468	2	16	for	for	ADP
fsr-3468	2	17	their	their	PRON
fsr-3468	2	18	continued	continue	VERB
fsr-3468	2	19	support	support	NOUN
fsr-3468	2	20	.	.	PUNCT
fsr-3468	3	1	i	i	PRON
fsr-3468	3	2	continue	continue	VERB
fsr-3468	3	3	to	to	PART
fsr-3468	3	4	work	work	VERB
fsr-3468	3	5	in	in	ADP
fsr-3468	3	6	broadening	broaden	VERB
fsr-3468	3	7	the	the	DET
fsr-3468	3	8	scope	scope	NOUN
fsr-3468	3	9	of	of	ADP
fsr-3468	3	10	articles	article	NOUN
fsr-3468	3	11	,	,	PUNCT
fsr-3468	3	12	while	while	SCONJ
fsr-3468	3	13	still	still	ADV
fsr-3468	3	14	focusing	focus	VERB
fsr-3468	3	15	on	on	ADP
fsr-3468	3	16	individual	individual	ADJ
fsr-3468	3	17	financial	financial	ADJ
fsr-3468	3	18	management	management	NOUN
fsr-3468	3	19	and	and	CCONJ
fsr-3468	3	20	personal	personal	ADJ
fsr-3468	3	21	financial	financial	ADJ
fsr-3468	3	22	planning	planning	NOUN
fsr-3468	3	23	.	.	PUNCT
fsr-3468	4	1	i	i	PRON
fsr-3468	4	2	encourage	encourage	VERB
fsr-3468	4	3	authors	author	NOUN
fsr-3468	4	4	to	to	PART
fsr-3468	4	5	reach	reach	VERB
fsr-3468	4	6	out	out	ADP
fsr-3468	4	7	when	when	SCONJ
fsr-3468	4	8	discussing	discuss	VERB
fsr-3468	4	9	the	the	DET
fsr-3468	4	10	implications	implication	NOUN
fsr-3468	4	11	of	of	ADP
fsr-3468	4	12	their	their	PRON
fsr-3468	4	13	findings	finding	NOUN
fsr-3468	4	14	in	in	ADP
fsr-3468	4	15	a	a	DET
fsr-3468	4	16	more	more	ADV
fsr-3468	4	17	comprehensive	comprehensive	ADJ
fsr-3468	4	18	way	way	NOUN
fsr-3468	4	19	.	.	PUNCT
fsr-3468	5	1	as	as	SCONJ
fsr-3468	5	2	such	such	ADJ
fsr-3468	5	3	,	,	PUNCT
fsr-3468	5	4	all	all	DET
fsr-3468	5	5	articles	article	NOUN
fsr-3468	5	6	in	in	ADP
fsr-3468	5	7	the	the	DET
fsr-3468	5	8	journal	journal	NOUN
fsr-3468	5	9	more	more	ADV
fsr-3468	5	10	appropriately	appropriately	ADV
fsr-3468	5	11	relate	relate	VERB
fsr-3468	5	12	to	to	ADP
fsr-3468	5	13	financial	financial	ADJ
fsr-3468	5	14	planning	planning	NOUN
fsr-3468	5	15	topics	topic	NOUN
fsr-3468	5	16	and	and	CCONJ
fsr-3468	5	17	issues	issue	NOUN
fsr-3468	5	18	.	.	PUNCT
fsr-3468	6	1	the	the	DET
fsr-3468	6	2	lead	lead	ADJ
fsr-3468	6	3	article	article	NOUN
fsr-3468	6	4	“	"	PUNCT
fsr-3468	6	5	retirement	retirement	NOUN
fsr-3468	6	6	income	income	NOUN
fsr-3468	6	7	beliefs	belief	NOUN
fsr-3468	6	8	and	and	CCONJ
fsr-3468	6	9	financial	financial	ADJ
fsr-3468	6	10	advice	advice	NOUN
fsr-3468	6	11	seeking	seek	VERB
fsr-3468	6	12	behaviors	behavior	NOUN
fsr-3468	6	13	”	"	PUNCT
fsr-3468	6	14	is	be	AUX
fsr-3468	6	15	coauthored	coauthore	VERB
fsr-3468	6	16	by	by	ADP
fsr-3468	6	17	alejandro	alejandro	PROPN
fsr-3468	6	18	murguı́a	murguı́a	PROPN
fsr-3468	6	19	at	at	ADP
fsr-3468	6	20	mclean	mclean	PROPN
fsr-3468	6	21	asset	asset	PROPN
fsr-3468	6	22	management	management	NOUN
fsr-3468	6	23	and	and	CCONJ
fsr-3468	6	24	wade	wade	PROPN
fsr-3468	6	25	d.	d.	PROPN
fsr-3468	6	26	pfau	pfau	PROPN
fsr-3468	6	27	at	at	ADP
fsr-3468	6	28	mclean	mclean	PROPN
fsr-3468	6	29	asset	asset	PROPN
fsr-3468	6	30	management	management	NOUN
fsr-3468	6	31	and	and	CCONJ
fsr-3468	6	32	the	the	DET
fsr-3468	6	33	american	american	PROPN
fsr-3468	6	34	college	college	PROPN
fsr-3468	6	35	of	of	ADP
fsr-3468	6	36	financial	financial	ADJ
fsr-3468	6	37	services	service	NOUN
fsr-3468	6	38	.	.	PUNCT
fsr-3468	7	1	this	this	DET
fsr-3468	7	2	paper	paper	NOUN
fsr-3468	7	3	investigates	investigate	VERB
fsr-3468	7	4	a	a	DET
fsr-3468	7	5	series	series	NOUN
fsr-3468	7	6	of	of	ADP
fsr-3468	7	7	salient	salient	ADJ
fsr-3468	7	8	behavioral	behavioral	ADJ
fsr-3468	7	9	finance	finance	NOUN
fsr-3468	7	10	and	and	CCONJ
fsr-3468	7	11	psychological	psychological	ADJ
fsr-3468	7	12	constructs	construct	NOUN
fsr-3468	7	13	that	that	PRON
fsr-3468	7	14	influence	influence	VERB
fsr-3468	7	15	retirement	retirement	NOUN
fsr-3468	7	16	income	income	NOUN
fsr-3468	7	17	planning	planning	NOUN
fsr-3468	7	18	.	.	PUNCT
fsr-3468	8	1	the	the	DET
fsr-3468	8	2	authors	author	NOUN
fsr-3468	8	3	show	show	VERB
fsr-3468	8	4	how	how	SCONJ
fsr-3468	8	5	these	these	DET
fsr-3468	8	6	scales	scale	NOUN
fsr-3468	8	7	are	be	AUX
fsr-3468	8	8	related	relate	VERB
fsr-3468	8	9	to	to	ADP
fsr-3468	8	10	each	each	DET
fsr-3468	8	11	other	other	ADJ
fsr-3468	8	12	as	as	ADV
fsr-3468	8	13	well	well	ADV
fsr-3468	8	14	as	as	ADP
fsr-3468	8	15	retirement	retirement	NOUN
fsr-3468	8	16	income	income	NOUN
fsr-3468	8	17	concerns	concern	NOUN
fsr-3468	8	18	and	and	CCONJ
fsr-3468	8	19	investment	investment	NOUN
fsr-3468	8	20	behaviors	behavior	NOUN
fsr-3468	8	21	.	.	PUNCT
fsr-3468	9	1	they	they	PRON
fsr-3468	9	2	also	also	ADV
fsr-3468	9	3	describe	describe	VERB
fsr-3468	9	4	how	how	SCONJ
fsr-3468	9	5	four	four	NUM
fsr-3468	9	6	investment	investment	NOUN
fsr-3468	9	7	personas	persona	NOUN
fsr-3468	9	8	can	can	AUX
fsr-3468	9	9	be	be	AUX
fsr-3468	9	10	linked	link	VERB
fsr-3468	9	11	with	with	ADP
fsr-3468	9	12	the	the	DET
fsr-3468	9	13	advisor	advisor	NOUN
fsr-3468	9	14	usefulness	usefulness	NOUN
fsr-3468	9	15	and	and	CCONJ
fsr-3468	9	16	retirement	retirement	NOUN
fsr-3468	9	17	income	income	NOUN
fsr-3468	9	18	self	self	NOUN
fsr-3468	9	19	-	-	PUNCT
fsr-3468	9	20	efficacy	efficacy	NOUN
fsr-3468	9	21	scales	scale	NOUN
fsr-3468	9	22	to	to	PART
fsr-3468	9	23	identify	identify	VERB
fsr-3468	9	24	preferred	preferred	ADJ
fsr-3468	9	25	financial	financial	ADJ
fsr-3468	9	26	implementation	implementation	NOUN
fsr-3468	9	27	methods	method	NOUN
fsr-3468	9	28	.	.	PUNCT
fsr-3468	10	1	this	this	PRON
fsr-3468	10	2	can	can	AUX
fsr-3468	10	3	assist	assist	VERB
fsr-3468	10	4	individuals	individual	NOUN
fsr-3468	10	5	in	in	ADP
fsr-3468	10	6	recognizing	recognize	VERB
fsr-3468	10	7	their	their	PRON
fsr-3468	10	8	relative	relative	ADJ
fsr-3468	10	9	strengths	strength	NOUN
fsr-3468	10	10	and	and	CCONJ
fsr-3468	10	11	weaknesses	weakness	NOUN
fsr-3468	10	12	while	while	SCONJ
fsr-3468	10	13	financial	financial	ADJ
fsr-3468	10	14	professionals	professional	NOUN
fsr-3468	10	15	can	can	AUX
fsr-3468	10	16	present	present	VERB
fsr-3468	10	17	advice	advice	NOUN
fsr-3468	10	18	in	in	ADP
fsr-3468	10	19	a	a	DET
fsr-3468	10	20	manner	manner	NOUN
fsr-3468	10	21	that	that	PRON
fsr-3468	10	22	addresses	address	VERB
fsr-3468	10	23	a	a	DET
fsr-3468	10	24	client	client	NOUN
fsr-3468	10	25	’s	’s	PART
fsr-3468	10	26	concerns	concern	NOUN
fsr-3468	10	27	and	and	CCONJ
fsr-3468	10	28	preferred	preferred	ADJ
fsr-3468	10	29	implementation	implementation	NOUN
fsr-3468	10	30	.	.	PUNCT
fsr-3468	11	1	the	the	DET
fsr-3468	11	2	second	second	ADJ
fsr-3468	11	3	article	article	NOUN
fsr-3468	11	4	“	"	PUNCT
fsr-3468	11	5	mutual	mutual	ADJ
fsr-3468	11	6	fund	fund	NOUN
fsr-3468	11	7	knowledge	knowledge	NOUN
fsr-3468	11	8	assessment	assessment	NOUN
fsr-3468	11	9	for	for	ADP
fsr-3468	11	10	policy	policy	NOUN
fsr-3468	11	11	and	and	CCONJ
fsr-3468	11	12	decision	decision	NOUN
fsr-3468	11	13	problems	problem	NOUN
fsr-3468	11	14	”	"	PUNCT
fsr-3468	11	15	is	be	AUX
fsr-3468	11	16	coauthored	coauthore	VERB
fsr-3468	11	17	by	by	ADP
fsr-3468	11	18	brian	brian	PROPN
fsr-3468	11	19	scholl	scholl	PROPN
fsr-3468	11	20	at	at	ADP
fsr-3468	11	21	the	the	DET
fsr-3468	11	22	office	office	NOUN
fsr-3468	11	23	of	of	ADP
fsr-3468	11	24	the	the	DET
fsr-3468	11	25	investor	investor	NOUN
fsr-3468	11	26	advocate	advocate	NOUN
fsr-3468	11	27	and	and	CCONJ
fsr-3468	11	28	angela	angela	PROPN
fsr-3468	11	29	fontes	fonte	VERB
fsr-3468	11	30	at	at	ADP
fsr-3468	11	31	norc	norc	NOUN
fsr-3468	11	32	at	at	ADP
fsr-3468	11	33	the	the	DET
fsr-3468	11	34	university	university	PROPN
fsr-3468	11	35	of	of	ADP
fsr-3468	11	36	chicago	chicago	PROPN
fsr-3468	11	37	.	.	PUNCT
fsr-3468	12	1	in	in	ADP
fsr-3468	12	2	this	this	DET
fsr-3468	12	3	paper	paper	NOUN
fsr-3468	12	4	the	the	DET
fsr-3468	12	5	authors	author	NOUN
fsr-3468	12	6	develop	develop	VERB
fsr-3468	12	7	a	a	DET
fsr-3468	12	8	measure	measure	NOUN
fsr-3468	12	9	of	of	ADP
fsr-3468	12	10	mutual	mutual	ADJ
fsr-3468	12	11	fund	fund	NOUN
fsr-3468	12	12	investment	investment	NOUN
fsr-3468	12	13	knowledge	knowledge	NOUN
fsr-3468	12	14	that	that	PRON
fsr-3468	12	15	complements	complement	VERB
fsr-3468	12	16	existing	exist	VERB
fsr-3468	12	17	financial	financial	ADJ
fsr-3468	12	18	literacy	literacy	NOUN
fsr-3468	12	19	measures	measure	NOUN
fsr-3468	12	20	.	.	PUNCT
fsr-3468	13	1	they	they	PRON
fsr-3468	13	2	validate	validate	VERB
fsr-3468	13	3	the	the	DET
fsr-3468	13	4	index	index	NOUN
fsr-3468	13	5	with	with	ADP
fsr-3468	13	6	factor	factor	NOUN
fsr-3468	13	7	analysis	analysis	NOUN
fsr-3468	13	8	identifying	identify	VERB
fsr-3468	13	9	two	two	NUM
fsr-3468	13	10	latent	latent	ADJ
fsr-3468	13	11	components	component	NOUN
fsr-3468	13	12	,	,	PUNCT
fsr-3468	13	13	and	and	CCONJ
fsr-3468	13	14	descriptive	descriptive	ADJ
fsr-3468	13	15	regressions	regression	NOUN
fsr-3468	13	16	demonstrating	demonstrate	VERB
fsr-3468	13	17	the	the	DET
fsr-3468	13	18	additive	additive	ADJ
fsr-3468	13	19	value	value	NOUN
fsr-3468	13	20	of	of	ADP
fsr-3468	13	21	our	our	PRON
fsr-3468	13	22	index	index	NOUN
fsr-3468	13	23	beyond	beyond	ADP
fsr-3468	13	24	general	general	ADJ
fsr-3468	13	25	financial	financial	ADJ
fsr-3468	13	26	literacy	literacy	NOUN
fsr-3468	13	27	in	in	ADP
fsr-3468	13	28	explaining	explain	VERB
fsr-3468	13	29	variation	variation	NOUN
fsr-3468	13	30	in	in	ADP
fsr-3468	13	31	financial	financial	ADJ
fsr-3468	13	32	well	well	NOUN
fsr-3468	13	33	-	-	PUNCT
fsr-3468	13	34	being	being	NOUN
fsr-3468	13	35	,	,	PUNCT
fsr-3468	13	36	investment	investment	NOUN
fsr-3468	13	37	ownership	ownership	NOUN
fsr-3468	13	38	,	,	PUNCT
fsr-3468	13	39	and	and	CCONJ
fsr-3468	13	40	fee	fee	NOUN
fsr-3468	13	41	calculation	calculation	NOUN
fsr-3468	13	42	proficiency	proficiency	NOUN
fsr-3468	13	43	.	.	PUNCT
fsr-3468	14	1	despite	despite	SCONJ
fsr-3468	14	2	mutual	mutual	ADJ
fsr-3468	14	3	funds	fund	NOUN
fsr-3468	14	4	’	'	PUNCT
fsr-3468	14	5	importance	importance	NOUN
fsr-3468	14	6	in	in	ADP
fsr-3468	14	7	household	household	NOUN
fsr-3468	14	8	savings	saving	NOUN
fsr-3468	14	9	,	,	PUNCT
fsr-3468	14	10	their	their	PRON
fsr-3468	14	11	index	index	NOUN
fsr-3468	14	12	suggests	suggest	VERB
fsr-3468	14	13	that	that	SCONJ
fsr-3468	14	14	the	the	DET
fsr-3468	14	15	public	public	NOUN
fsr-3468	14	16	lacks	lack	VERB
fsr-3468	14	17	adequate	adequate	ADJ
fsr-3468	14	18	understanding	understanding	NOUN
fsr-3468	14	19	of	of	ADP
fsr-3468	14	20	mutual	mutual	ADJ
fsr-3468	14	21	funds	fund	NOUN
fsr-3468	14	22	.	.	PUNCT
fsr-3468	15	1	the	the	DET
fsr-3468	15	2	third	third	ADJ
fsr-3468	15	3	article	article	NOUN
fsr-3468	15	4	,	,	PUNCT
fsr-3468	15	5	“	"	PUNCT
fsr-3468	15	6	do	do	AUX
fsr-3468	15	7	as	as	SCONJ
fsr-3468	15	8	i	i	PRON
fsr-3468	15	9	tell	tell	VERB
fsr-3468	15	10	you	you	PRON
fsr-3468	15	11	,	,	PUNCT
fsr-3468	15	12	not	not	PART
fsr-3468	15	13	as	as	SCONJ
fsr-3468	15	14	i	i	PRON
fsr-3468	15	15	do	do	VERB
fsr-3468	15	16	:	:	PUNCT
fsr-3468	15	17	financial	financial	ADJ
fsr-3468	15	18	advisors	advisor	NOUN
fsr-3468	15	19	and	and	CCONJ
fsr-3468	15	20	personal	personal	ADJ
fsr-3468	15	21	financial	financial	ADJ
fsr-3468	15	22	decision	decision	NOUN
fsr-3468	15	23	-	-	PUNCT
fsr-3468	15	24	making	making	NOUN
fsr-3468	15	25	”	"	PUNCT
fsr-3468	15	26	is	be	AUX
fsr-3468	15	27	coauthored	coauthore	VERB
fsr-3468	15	28	by	by	ADP
fsr-3468	15	29	negin	negin	PROPN
fsr-3468	15	30	azamian	azamian	PROPN
fsr-3468	15	31	,	,	PUNCT
fsr-3468	15	32	kristine	kristine	PROPN
fsr-3468	15	33	beck	beck	PROPN
fsr-3468	15	34	,	,	PUNCT
fsr-3468	15	35	hsin	hsin	PROPN
fsr-3468	15	36	-	-	PUNCT
fsr-3468	15	37	hui	hui	PROPN
fsr-3468	15	38	chiu	chiu	PROPN
fsr-3468	15	39	,	,	PUNCT
fsr-3468	15	40	and	and	CCONJ
fsr-3468	15	41	inga	inga	PROPN
fsr-3468	15	42	timmerman	timmerman	NOUN
fsr-3468	15	43	,	,	PUNCT
fsr-3468	15	44	all	all	PRON
fsr-3468	15	45	at	at	ADP
fsr-3468	15	46	california	california	PROPN
fsr-3468	15	47	state	state	PROPN
fsr-3468	15	48	university	university	PROPN
fsr-3468	15	49	northridge	northridge	NOUN
fsr-3468	15	50	.	.	PUNCT
fsr-3468	16	1	the	the	DET
fsr-3468	16	2	authors	author	NOUN
fsr-3468	16	3	describe	describe	VERB
fsr-3468	16	4	the	the	DET
fsr-3468	16	5	financial	financial	ADJ
fsr-3468	16	6	behavior	behavior	NOUN
fsr-3468	16	7	of	of	ADP
fsr-3468	16	8	financial	financial	ADJ
fsr-3468	16	9	advisors	advisor	NOUN
fsr-3468	16	10	and	and	CCONJ
fsr-3468	16	11	whether	whether	SCONJ
fsr-3468	16	12	they	they	PRON
fsr-3468	16	13	follow	follow	VERB
fsr-3468	16	14	the	the	DET
fsr-3468	16	15	advice	advice	NOUN
fsr-3468	16	16	they	they	PRON
fsr-3468	16	17	give	give	VERB
fsr-3468	16	18	clients	client	NOUN
fsr-3468	16	19	.	.	PUNCT
fsr-3468	17	1	in	in	ADP
fsr-3468	17	2	doing	do	VERB
fsr-3468	17	3	so	so	ADV
fsr-3468	17	4	they	they	PRON
fsr-3468	17	5	focus	focus	VERB
fsr-3468	17	6	on	on	ADP
fsr-3468	17	7	the	the	DET
fsr-3468	17	8	following	follow	VERB
fsr-3468	17	9	areas	area	NOUN
fsr-3468	17	10	of	of	ADP
fsr-3468	17	11	comprehensive	comprehensive	ADJ
fsr-3468	17	12	financial	financial	ADJ
fsr-3468	17	13	planning	planning	NOUN
fsr-3468	17	14	as	as	SCONJ
fsr-3468	17	15	they	they	PRON
fsr-3468	17	16	relate	relate	VERB
fsr-3468	17	17	to	to	ADP
fsr-3468	17	18	advisor	advisor	NOUN
fsr-3468	17	19	behavior	behavior	NOUN
fsr-3468	17	20	:	:	PUNCT
fsr-3468	17	21	(	(	PUNCT
fsr-3468	17	22	1	1	X
fsr-3468	17	23	)	)	PUNCT
fsr-3468	17	24	cash	cash	NOUN
fsr-3468	17	25	flow	flow	NOUN
fsr-3468	17	26	,	,	PUNCT
fsr-3468	17	27	(	(	PUNCT
fsr-3468	17	28	2	2	X
fsr-3468	17	29	)	)	PUNCT
fsr-3468	17	30	debt	debt	NOUN
fsr-3468	17	31	,	,	PUNCT
fsr-3468	17	32	(	(	PUNCT
fsr-3468	17	33	3	3	X
fsr-3468	17	34	)	)	PUNCT
fsr-3468	17	35	retirement	retirement	NOUN
fsr-3468	17	36	planning	planning	NOUN
fsr-3468	17	37	,	,	PUNCT
fsr-3468	17	38	(	(	PUNCT
fsr-3468	17	39	4	4	NUM
fsr-3468	17	40	)	)	PUNCT
fsr-3468	17	41	1057	1057	NUM
fsr-3468	17	42	-	-	SYM
fsr-3468	17	43	0810/22/$	0810/22/$	NUM
fsr-3468	17	44	–	–	PUNCT
fsr-3468	17	45	see	see	VERB
fsr-3468	17	46	front	front	ADJ
fsr-3468	17	47	matter	matter	NOUN
fsr-3468	17	48	©	©	PROPN
fsr-3468	17	49	2022	2022	NUM
fsr-3468	17	50	academy	academy	NOUN
fsr-3468	17	51	of	of	ADP
fsr-3468	17	52	financial	financial	ADJ
fsr-3468	17	53	services	service	NOUN
fsr-3468	17	54	.	.	PUNCT
fsr-3468	18	1	all	all	DET
fsr-3468	18	2	rights	right	NOUN
fsr-3468	18	3	reserved	reserve	VERB
fsr-3468	18	4	.	.	PUNCT
fsr-3468	19	1	financial	financial	ADJ
fsr-3468	19	2	services	service	NOUN
fsr-3468	19	3	review	review	VERB
fsr-3468	19	4	30	30	NUM
fsr-3468	19	5	(	(	PUNCT
fsr-3468	19	6	2022	2022	NUM
fsr-3468	19	7	)	)	PUNCT
fsr-3468	19	8	v	v	NOUN
fsr-3468	19	9	–	–	PUNCT
fsr-3468	19	10	vi	vi	NOUN
fsr-3468	19	11	investments	investment	NOUN
fsr-3468	19	12	,	,	PUNCT
fsr-3468	19	13	and	and	CCONJ
fsr-3468	19	14	(	(	PUNCT
fsr-3468	19	15	5	5	X
fsr-3468	19	16	)	)	PUNCT
fsr-3468	19	17	estate	estate	NOUN
fsr-3468	19	18	planning	planning	NOUN
fsr-3468	19	19	.	.	PUNCT
fsr-3468	20	1	the	the	DET
fsr-3468	20	2	authors	author	NOUN
fsr-3468	20	3	find	find	VERB
fsr-3468	20	4	that	that	SCONJ
fsr-3468	20	5	financial	financial	ADJ
fsr-3468	20	6	advisors	advisor	NOUN
fsr-3468	20	7	generally	generally	ADV
fsr-3468	20	8	follow	follow	VERB
fsr-3468	20	9	their	their	PRON
fsr-3468	20	10	own	own	ADJ
fsr-3468	20	11	advice	advice	NOUN
fsr-3468	20	12	;	;	PUNCT
fsr-3468	20	13	and	and	CCONJ
fsr-3468	20	14	as	as	ADP
fsr-3468	20	15	a	a	DET
fsr-3468	20	16	group	group	NOUN
fsr-3468	20	17	they	they	PRON
fsr-3468	20	18	are	be	AUX
fsr-3468	20	19	more	more	ADV
fsr-3468	20	20	likely	likely	ADJ
fsr-3468	20	21	to	to	PART
fsr-3468	20	22	be	be	AUX
fsr-3468	20	23	prepared	prepare	VERB
fsr-3468	20	24	for	for	ADP
fsr-3468	20	25	retirement	retirement	NOUN
fsr-3468	20	26	,	,	PUNCT
fsr-3468	20	27	have	have	VERB
fsr-3468	20	28	less	less	ADJ
fsr-3468	20	29	debt	debt	NOUN
fsr-3468	20	30	,	,	PUNCT
fsr-3468	20	31	higher	high	ADJ
fsr-3468	20	32	liquidity	liquidity	NOUN
fsr-3468	20	33	,	,	PUNCT
fsr-3468	20	34	covered	cover	VERB
fsr-3468	20	35	insurance	insurance	NOUN
fsr-3468	20	36	needs	need	NOUN
fsr-3468	20	37	,	,	PUNCT
fsr-3468	20	38	and	and	CCONJ
fsr-3468	20	39	have	have	VERB
fsr-3468	20	40	an	an	DET
fsr-3468	20	41	estate	estate	NOUN
fsr-3468	20	42	plan	plan	NOUN
fsr-3468	20	43	in	in	ADP
fsr-3468	20	44	place	place	NOUN
fsr-3468	20	45	.	.	PUNCT
fsr-3468	21	1	the	the	DET
fsr-3468	21	2	final	final	ADJ
fsr-3468	21	3	article	article	NOUN
fsr-3468	21	4	,	,	PUNCT
fsr-3468	21	5	“	"	PUNCT
fsr-3468	21	6	financial	financial	ADJ
fsr-3468	21	7	advisor	advisor	NOUN
fsr-3468	21	8	use	use	NOUN
fsr-3468	21	9	,	,	PUNCT
fsr-3468	21	10	life	life	NOUN
fsr-3468	21	11	events	event	NOUN
fsr-3468	21	12	,	,	PUNCT
fsr-3468	21	13	and	and	CCONJ
fsr-3468	21	14	the	the	DET
fsr-3468	21	15	relationship	relationship	NOUN
fsr-3468	21	16	with	with	ADP
fsr-3468	21	17	beneficial	beneficial	ADJ
fsr-3468	21	18	intentions	intention	NOUN
fsr-3468	21	19	”	"	PUNCT
fsr-3468	21	20	is	be	AUX
fsr-3468	21	21	coauthored	coauthore	VERB
fsr-3468	21	22	by	by	ADP
fsr-3468	21	23	matt	matt	PROPN
fsr-3468	21	24	sommer	sommer	PROPN
fsr-3468	21	25	at	at	ADP
fsr-3468	21	26	janus	janus	PROPN
fsr-3468	21	27	henderson	henderson	PROPN
fsr-3468	21	28	investors	investors	PROPN
fsr-3468	21	29	,	,	PUNCT
fsr-3468	21	30	hanna	hanna	PROPN
fsr-3468	21	31	lim	lim	PROPN
fsr-3468	21	32	at	at	ADP
fsr-3468	21	33	kansas	kansas	PROPN
fsr-3468	21	34	state	state	PROPN
fsr-3468	21	35	university	university	PROPN
fsr-3468	21	36	,	,	PUNCT
fsr-3468	21	37	and	and	CCONJ
fsr-3468	21	38	maurice	maurice	PROPN
fsr-3468	21	39	macdonald	macdonald	PROPN
fsr-3468	21	40	at	at	ADP
fsr-3468	21	41	kansas	kansas	PROPN
fsr-3468	21	42	state	state	PROPN
fsr-3468	21	43	university	university	PROPN
fsr-3468	21	44	.	.	PUNCT
fsr-3468	22	1	this	this	DET
fsr-3468	22	2	study	study	NOUN
fsr-3468	22	3	investigates	investigate	VERB
fsr-3468	22	4	whether	whether	SCONJ
fsr-3468	22	5	working	work	VERB
fsr-3468	22	6	with	with	ADP
fsr-3468	22	7	a	a	DET
fsr-3468	22	8	financial	financial	ADJ
fsr-3468	22	9	advisor	advisor	NOUN
fsr-3468	22	10	and	and	CCONJ
fsr-3468	22	11	experiencing	experience	VERB
fsr-3468	22	12	a	a	DET
fsr-3468	22	13	recent	recent	ADJ
fsr-3468	22	14	life	life	NOUN
fsr-3468	22	15	event	event	NOUN
fsr-3468	22	16	were	be	AUX
fsr-3468	22	17	associated	associate	VERB
fsr-3468	22	18	with	with	ADP
fsr-3468	22	19	having	have	VERB
fsr-3468	22	20	beneficial	beneficial	ADJ
fsr-3468	22	21	financial	financial	ADJ
fsr-3468	22	22	planning	planning	NOUN
fsr-3468	22	23	intentions	intention	NOUN
fsr-3468	22	24	.	.	PUNCT
fsr-3468	23	1	the	the	DET
fsr-3468	23	2	authors	author	NOUN
fsr-3468	23	3	found	find	VERB
fsr-3468	23	4	no	no	DET
fsr-3468	23	5	relationship	relationship	NOUN
fsr-3468	23	6	between	between	ADP
fsr-3468	23	7	working	work	VERB
fsr-3468	23	8	with	with	ADP
fsr-3468	23	9	a	a	DET
fsr-3468	23	10	financial	financial	ADJ
fsr-3468	23	11	advisor	advisor	NOUN
fsr-3468	23	12	and	and	CCONJ
fsr-3468	23	13	beneficial	beneficial	ADJ
fsr-3468	23	14	intentions	intention	NOUN
fsr-3468	23	15	over	over	ADP
fsr-3468	23	16	the	the	DET
fsr-3468	23	17	next	next	ADJ
fsr-3468	23	18	12	12	NUM
fsr-3468	23	19	months	month	NOUN
fsr-3468	23	20	.	.	PUNCT
fsr-3468	24	1	life	life	NOUN
fsr-3468	24	2	events	event	NOUN
fsr-3468	24	3	incurred	incur	VERB
fsr-3468	24	4	within	within	ADP
fsr-3468	24	5	the	the	DET
fsr-3468	24	6	prior	prior	ADJ
fsr-3468	24	7	year	year	NOUN
fsr-3468	24	8	,	,	PUNCT
fsr-3468	24	9	however	however	ADV
fsr-3468	24	10	,	,	PUNCT
fsr-3468	24	11	were	be	AUX
fsr-3468	24	12	positively	positively	ADV
fsr-3468	24	13	related	relate	VERB
fsr-3468	24	14	to	to	ADP
fsr-3468	24	15	beneficial	beneficial	ADJ
fsr-3468	24	16	intentions	intention	NOUN
fsr-3468	24	17	and	and	CCONJ
fsr-3468	24	18	when	when	SCONJ
fsr-3468	24	19	interacted	interact	VERB
fsr-3468	24	20	with	with	ADP
fsr-3468	24	21	working	work	VERB
fsr-3468	24	22	with	with	ADP
fsr-3468	24	23	an	an	DET
fsr-3468	24	24	advisor	advisor	NOUN
fsr-3468	24	25	,	,	PUNCT
fsr-3468	24	26	had	have	VERB
fsr-3468	24	27	a	a	DET
fsr-3468	24	28	positive	positive	ADJ
fsr-3468	24	29	moderating	moderate	VERB
fsr-3468	24	30	effect	effect	NOUN
fsr-3468	24	31	.	.	PUNCT
fsr-3468	25	1	the	the	DET
fsr-3468	25	2	results	result	NOUN
fsr-3468	25	3	suggest	suggest	VERB
fsr-3468	25	4	that	that	SCONJ
fsr-3468	25	5	planning	planning	NOUN
fsr-3468	25	6	for	for	ADP
fsr-3468	25	7	difficult	difficult	ADJ
fsr-3468	25	8	life	life	NOUN
fsr-3468	25	9	transitions	transition	NOUN
fsr-3468	25	10	is	be	AUX
fsr-3468	25	11	an	an	DET
fsr-3468	25	12	important	important	ADJ
fsr-3468	25	13	benefit	benefit	NOUN
fsr-3468	25	14	of	of	ADP
fsr-3468	25	15	working	work	VERB
fsr-3468	25	16	with	with	ADP
fsr-3468	25	17	a	a	DET
fsr-3468	25	18	financial	financial	ADJ
fsr-3468	25	19	advisor	advisor	NOUN
fsr-3468	25	20	.	.	PUNCT
fsr-3468	26	1	thank	thank	VERB
fsr-3468	26	2	you	you	PRON
fsr-3468	26	3	to	to	ADP
fsr-3468	26	4	those	those	PRON
fsr-3468	26	5	who	who	PRON
fsr-3468	26	6	make	make	VERB
fsr-3468	26	7	the	the	DET
fsr-3468	26	8	journal	journal	NOUN
fsr-3468	26	9	possible	possible	ADJ
fsr-3468	26	10	,	,	PUNCT
fsr-3468	26	11	especially	especially	ADV
fsr-3468	26	12	the	the	DET
fsr-3468	26	13	referees	referee	NOUN
fsr-3468	26	14	and	and	CCONJ
fsr-3468	26	15	contributing	contribute	VERB
fsr-3468	26	16	authors	author	NOUN
fsr-3468	26	17	.	.	PUNCT
fsr-3468	27	1	over	over	ADP
fsr-3468	27	2	the	the	DET
fsr-3468	27	3	past	past	ADJ
fsr-3468	27	4	year	year	NOUN
fsr-3468	27	5	,	,	PUNCT
fsr-3468	27	6	the	the	DET
fsr-3468	27	7	following	follow	VERB
fsr-3468	27	8	reviewers	reviewer	NOUN
fsr-3468	27	9	provided	provide	VERB
fsr-3468	27	10	excellent	excellent	ADJ
fsr-3468	27	11	reviews	review	NOUN
fsr-3468	27	12	of	of	ADP
fsr-3468	27	13	the	the	DET
fsr-3468	27	14	articles	article	NOUN
fsr-3468	27	15	you	you	PRON
fsr-3468	27	16	enjoyed	enjoy	VERB
fsr-3468	27	17	within	within	ADP
fsr-3468	27	18	the	the	DET
fsr-3468	27	19	pages	page	NOUN
fsr-3468	27	20	of	of	ADP
fsr-3468	27	21	financial	financial	ADJ
fsr-3468	27	22	services	service	NOUN
fsr-3468	27	23	review	review	NOUN
fsr-3468	27	24	.	.	PUNCT
fsr-3468	28	1	i	i	PRON
fsr-3468	28	2	would	would	AUX
fsr-3468	28	3	like	like	VERB
fsr-3468	28	4	to	to	PART
fsr-3468	28	5	send	send	VERB
fsr-3468	28	6	a	a	DET
fsr-3468	28	7	special	special	ADJ
fsr-3468	28	8	thank	thank	NOUN
fsr-3468	28	9	you	you	PRON
fsr-3468	28	10	to	to	ADP
fsr-3468	28	11	the	the	DET
fsr-3468	28	12	many	many	ADJ
fsr-3468	28	13	reviewers	reviewer	NOUN
fsr-3468	28	14	that	that	PRON
fsr-3468	28	15	have	have	AUX
fsr-3468	28	16	significantly	significantly	ADV
fsr-3468	28	17	contributed	contribute	VERB
fsr-3468	28	18	to	to	ADP
fsr-3468	28	19	the	the	DET
fsr-3468	28	20	quality	quality	NOUN
fsr-3468	28	21	of	of	ADP
fsr-3468	28	22	our	our	PRON
fsr-3468	28	23	journal	journal	NOUN
fsr-3468	28	24	by	by	ADP
fsr-3468	28	25	providing	provide	VERB
fsr-3468	28	26	timely	timely	ADJ
fsr-3468	28	27	and	and	CCONJ
fsr-3468	28	28	thorough	thorough	ADJ
fsr-3468	28	29	reviews	review	NOUN
fsr-3468	28	30	of	of	ADP
fsr-3468	28	31	the	the	DET
fsr-3468	28	32	submissions	submission	NOUN
fsr-3468	28	33	to	to	ADP
fsr-3468	28	34	our	our	PRON
fsr-3468	28	35	journal	journal	NOUN
fsr-3468	28	36	.	.	PUNCT
fsr-3468	29	1	please	please	INTJ
fsr-3468	29	2	consider	consider	VERB
fsr-3468	29	3	submitting	submit	VERB
fsr-3468	29	4	to	to	ADP
fsr-3468	29	5	the	the	DET
fsr-3468	29	6	financial	financial	ADJ
fsr-3468	29	7	services	service	NOUN
fsr-3468	29	8	review	review	NOUN
fsr-3468	29	9	and	and	CCONJ
fsr-3468	29	10	rely	rely	VERB
fsr-3468	29	11	on	on	ADP
fsr-3468	29	12	the	the	DET
fsr-3468	29	13	style	style	NOUN
fsr-3468	29	14	information	information	NOUN
fsr-3468	29	15	provided	provide	VERB
fsr-3468	29	16	to	to	PART
fsr-3468	29	17	ease	ease	VERB
fsr-3468	29	18	readability	readability	NOUN
fsr-3468	29	19	and	and	CCONJ
fsr-3468	29	20	streamline	streamline	VERB
fsr-3468	29	21	the	the	DET
fsr-3468	29	22	review	review	NOUN
fsr-3468	29	23	process	process	NOUN
fsr-3468	29	24	.	.	PUNCT
fsr-3468	30	1	the	the	DET
fsr-3468	30	2	journal	journal	NOUN
fsr-3468	30	3	welcomes	welcome	VERB
fsr-3468	30	4	articles	article	NOUN
fsr-3468	30	5	over	over	ADP
fsr-3468	30	6	the	the	DET
fsr-3468	30	7	range	range	NOUN
fsr-3468	30	8	of	of	ADP
fsr-3468	30	9	areas	area	NOUN
fsr-3468	30	10	that	that	PRON
fsr-3468	30	11	comprise	comprise	VERB
fsr-3468	30	12	personal	personal	ADJ
fsr-3468	30	13	financial	financial	ADJ
fsr-3468	30	14	planning	planning	NOUN
fsr-3468	30	15	.	.	PUNCT
fsr-3468	31	1	while	while	SCONJ
fsr-3468	31	2	fsr	fsr	PROPN
fsr-3468	31	3	articles	article	NOUN
fsr-3468	31	4	are	be	AUX
fsr-3468	31	5	certainly	certainly	ADV
fsr-3468	31	6	diverse	diverse	ADJ
fsr-3468	31	7	in	in	ADP
fsr-3468	31	8	terms	term	NOUN
fsr-3468	31	9	of	of	ADP
fsr-3468	31	10	topic	topic	NOUN
fsr-3468	31	11	,	,	PUNCT
fsr-3468	31	12	data	datum	NOUN
fsr-3468	31	13	,	,	PUNCT
fsr-3468	31	14	and	and	CCONJ
fsr-3468	31	15	method	method	NOUN
fsr-3468	31	16	,	,	PUNCT
fsr-3468	31	17	they	they	PRON
fsr-3468	31	18	are	be	AUX
fsr-3468	31	19	focused	focus	VERB
fsr-3468	31	20	in	in	ADP
fsr-3468	31	21	terms	term	NOUN
fsr-3468	31	22	of	of	ADP
fsr-3468	31	23	motivation	motivation	NOUN
fsr-3468	31	24	.	.	PUNCT
fsr-3468	32	1	fsr	fsr	PROPN
fsr-3468	32	2	exists	exist	VERB
fsr-3468	32	3	to	to	PART
fsr-3468	32	4	produce	produce	VERB
fsr-3468	32	5	research	research	NOUN
fsr-3468	32	6	that	that	PRON
fsr-3468	32	7	addresses	address	VERB
fsr-3468	32	8	issues	issue	NOUN
fsr-3468	32	9	that	that	PRON
fsr-3468	32	10	matter	matter	VERB
fsr-3468	32	11	to	to	ADP
fsr-3468	32	12	individuals	individual	NOUN
fsr-3468	32	13	.	.	PUNCT
fsr-3468	33	1	i	i	PRON
fsr-3468	33	2	remain	remain	VERB
fsr-3468	33	3	committed	committed	ADJ
fsr-3468	33	4	to	to	ADP
fsr-3468	33	5	the	the	DET
fsr-3468	33	6	goal	goal	NOUN
fsr-3468	33	7	of	of	ADP
fsr-3468	33	8	making	make	VERB
fsr-3468	33	9	financial	financial	ADJ
fsr-3468	33	10	services	service	NOUN
fsr-3468	33	11	review	review	VERB
fsr-3468	33	12	the	the	DET
fsr-3468	33	13	best	good	ADJ
fsr-3468	33	14	academic	academic	ADJ
fsr-3468	33	15	journal	journal	NOUN
fsr-3468	33	16	in	in	ADP
fsr-3468	33	17	individual	individual	ADJ
fsr-3468	33	18	financial	financial	ADJ
fsr-3468	33	19	management	management	NOUN
fsr-3468	33	20	and	and	CCONJ
fsr-3468	33	21	personal	personal	ADJ
fsr-3468	33	22	financial	financial	ADJ
fsr-3468	33	23	planning	planning	NOUN
fsr-3468	33	24	.	.	PUNCT
fsr-3468	34	1	best	good	ADJ
fsr-3468	34	2	regards	regard	VERB
fsr-3468	34	3	,	,	PUNCT
fsr-3468	34	4	stuart	stuart	PROPN
fsr-3468	34	5	michelson	michelson	PROPN
fsr-3468	34	6	editor	editor	PROPN
fsr-3468	34	7	financial	financial	PROPN
fsr-3468	34	8	services	services	PROPN
fsr-3468	34	9	review	review	VERB
fsr-3468	34	10	s.	s.	PROPN
fsr-3468	34	11	michelson	michelson	PROPN
fsr-3468	34	12	/	/	SYM
fsr-3468	34	13	financial	financial	ADJ
fsr-3468	34	14	services	service	NOUN
fsr-3468	34	15	review	review	VERB
fsr-3468	34	16	30	30	NUM
fsr-3468	34	17	(	(	PUNCT
fsr-3468	34	18	2022	2022	NUM
fsr-3468	34	19	)	)	PUNCT
fsr-3468	34	20	v	v	NOUN
fsr-3468	34	21	–	–	PUNCT
fsr-3468	34	22	vi	vi	NOUN
fsr-3468	34	23	vi	vi	NOUN