id	sid	tid	token	lemma	pos
fsr-3469	1	1	retirement	retirement	NOUN
fsr-3469	1	2	income	income	NOUN
fsr-3469	1	3	beliefs	belief	NOUN
fsr-3469	1	4	and	and	CCONJ
fsr-3469	1	5	financial	financial	ADJ
fsr-3469	1	6	advice	advice	NOUN
fsr-3469	1	7	seeking	seek	VERB
fsr-3469	1	8	behaviors	behavior	NOUN
fsr-3469	1	9	alejandro	alejandro	PROPN
fsr-3469	1	10	murguı́aa	murguı́aa	PROPN
fsr-3469	1	11	,	,	PUNCT
fsr-3469	1	12	wade	wade	PROPN
fsr-3469	1	13	d.	d.	PROPN
fsr-3469	1	14	pfaub	pfaub	VERB
fsr-3469	1	15	,	,	PUNCT
fsr-3469	1	16	*	*	PUNCT
fsr-3469	1	17	amclean	amclean	ADJ
fsr-3469	1	18	asset	asset	NOUN
fsr-3469	1	19	management	management	NOUN
fsr-3469	1	20	,	,	PUNCT
fsr-3469	1	21	1900	1900	NUM
fsr-3469	1	22	gallows	gallow	VERB
fsr-3469	1	23	road	road	NOUN
fsr-3469	1	24	,	,	PUNCT
fsr-3469	1	25	suite	suite	NOUN
fsr-3469	1	26	350	350	NUM
fsr-3469	1	27	,	,	PUNCT
fsr-3469	1	28	tysons	tysons	PROPN
fsr-3469	1	29	,	,	PUNCT
fsr-3469	1	30	va	va	PROPN
fsr-3469	1	31	22182	22182	NUM
fsr-3469	1	32	,	,	PUNCT
fsr-3469	1	33	usa	usa	PROPN
fsr-3469	1	34	bmclean	bmclean	PROPN
fsr-3469	1	35	asset	asset	NOUN
fsr-3469	1	36	management	management	NOUN
fsr-3469	1	37	,	,	PUNCT
fsr-3469	1	38	the	the	DET
fsr-3469	1	39	american	american	PROPN
fsr-3469	1	40	college	college	PROPN
fsr-3469	1	41	of	of	ADP
fsr-3469	1	42	financial	financial	ADJ
fsr-3469	1	43	services	service	NOUN
fsr-3469	1	44	,	,	PUNCT
fsr-3469	1	45	1900	1900	NUM
fsr-3469	1	46	gallows	gallow	VERB
fsr-3469	1	47	road	road	NOUN
fsr-3469	1	48	,	,	PUNCT
fsr-3469	1	49	suite	suite	NOUN
fsr-3469	1	50	350	350	NUM
fsr-3469	1	51	,	,	PUNCT
fsr-3469	1	52	tysons	tysons	PROPN
fsr-3469	1	53	,	,	PUNCT
fsr-3469	1	54	va	va	PROPN
fsr-3469	1	55	22182	22182	NUM
fsr-3469	1	56	,	,	PUNCT
fsr-3469	1	57	usa	usa	PROPN
fsr-3469	1	58	abstract	abstract	PROPN
fsr-3469	1	59	this	this	DET
fsr-3469	1	60	investigation	investigation	NOUN
fsr-3469	1	61	identifies	identify	VERB
fsr-3469	1	62	and	and	CCONJ
fsr-3469	1	63	validates	validate	VERB
fsr-3469	1	64	a	a	DET
fsr-3469	1	65	series	series	NOUN
fsr-3469	1	66	of	of	ADP
fsr-3469	1	67	salient	salient	ADJ
fsr-3469	1	68	behavioral	behavioral	ADJ
fsr-3469	1	69	finance	finance	NOUN
fsr-3469	1	70	and	and	CCONJ
fsr-3469	1	71	psychological	psychological	ADJ
fsr-3469	1	72	constructs	construct	NOUN
fsr-3469	1	73	that	that	PRON
fsr-3469	1	74	influence	influence	VERB
fsr-3469	1	75	retirement	retirement	NOUN
fsr-3469	1	76	income	income	NOUN
fsr-3469	1	77	planning	planning	NOUN
fsr-3469	1	78	.	.	PUNCT
fsr-3469	2	1	we	we	PRON
fsr-3469	2	2	show	show	VERB
fsr-3469	2	3	how	how	SCONJ
fsr-3469	2	4	these	these	DET
fsr-3469	2	5	scales	scale	NOUN
fsr-3469	2	6	relate	relate	VERB
fsr-3469	2	7	to	to	ADP
fsr-3469	2	8	each	each	DET
fsr-3469	2	9	other	other	ADJ
fsr-3469	2	10	as	as	ADV
fsr-3469	2	11	well	well	ADV
fsr-3469	2	12	as	as	ADP
fsr-3469	2	13	retirement	retirement	NOUN
fsr-3469	2	14	income	income	NOUN
fsr-3469	2	15	concerns	concern	NOUN
fsr-3469	2	16	and	and	CCONJ
fsr-3469	2	17	investment	investment	NOUN
fsr-3469	2	18	behaviors	behavior	NOUN
fsr-3469	2	19	.	.	PUNCT
fsr-3469	3	1	we	we	PRON
fsr-3469	3	2	also	also	ADV
fsr-3469	3	3	describe	describe	VERB
fsr-3469	3	4	how	how	SCONJ
fsr-3469	3	5	four	four	NUM
fsr-3469	3	6	investment	investment	NOUN
fsr-3469	3	7	personas	persona	NOUN
fsr-3469	3	8	can	can	AUX
fsr-3469	3	9	be	be	AUX
fsr-3469	3	10	linked	link	VERB
fsr-3469	3	11	with	with	ADP
fsr-3469	3	12	the	the	DET
fsr-3469	3	13	advisor	advisor	NOUN
fsr-3469	3	14	usefulness	usefulness	NOUN
fsr-3469	3	15	and	and	CCONJ
fsr-3469	3	16	retirement	retirement	NOUN
fsr-3469	3	17	income	income	NOUN
fsr-3469	3	18	self	self	NOUN
fsr-3469	3	19	-	-	PUNCT
fsr-3469	3	20	efficacy	efficacy	NOUN
fsr-3469	3	21	scales	scale	NOUN
fsr-3469	3	22	to	to	PART
fsr-3469	3	23	successfully	successfully	ADV
fsr-3469	3	24	identify	identify	VERB
fsr-3469	3	25	preferred	preferred	ADJ
fsr-3469	3	26	financial	financial	ADJ
fsr-3469	3	27	implementation	implementation	NOUN
fsr-3469	3	28	methods	method	NOUN
fsr-3469	3	29	.	.	PUNCT
fsr-3469	4	1	this	this	PRON
fsr-3469	4	2	can	can	AUX
fsr-3469	4	3	assist	assist	VERB
fsr-3469	4	4	individuals	individual	NOUN
fsr-3469	4	5	in	in	ADP
fsr-3469	4	6	more	more	ADV
fsr-3469	4	7	readily	readily	ADV
fsr-3469	4	8	recognizing	recognize	VERB
fsr-3469	4	9	their	their	PRON
fsr-3469	4	10	relative	relative	ADJ
fsr-3469	4	11	strengths	strength	NOUN
fsr-3469	4	12	and	and	CCONJ
fsr-3469	4	13	weaknesses	weakness	NOUN
fsr-3469	4	14	when	when	SCONJ
fsr-3469	4	15	implementing	implement	VERB
fsr-3469	4	16	a	a	DET
fsr-3469	4	17	retirement	retirement	NOUN
fsr-3469	4	18	income	income	NOUN
fsr-3469	4	19	strategy	strategy	NOUN
fsr-3469	4	20	,	,	PUNCT
fsr-3469	4	21	and	and	CCONJ
fsr-3469	4	22	financial	financial	ADJ
fsr-3469	4	23	professionals	professional	NOUN
fsr-3469	4	24	can	can	AUX
fsr-3469	4	25	present	present	VERB
fsr-3469	4	26	advice	advice	NOUN
fsr-3469	4	27	in	in	ADP
fsr-3469	4	28	a	a	DET
fsr-3469	4	29	manner	manner	NOUN
fsr-3469	4	30	that	that	PRON
fsr-3469	4	31	addresses	address	VERB
fsr-3469	4	32	a	a	DET
fsr-3469	4	33	client	client	NOUN
fsr-3469	4	34	’s	’s	PART
fsr-3469	4	35	concerns	concern	NOUN
fsr-3469	4	36	and	and	CCONJ
fsr-3469	4	37	preferred	preferred	ADJ
fsr-3469	4	38	implementation	implementation	NOUN
fsr-3469	4	39	.	.	PUNCT
fsr-3469	5	1	©	©	PROPN
fsr-3469	5	2	2022	2022	NUM
fsr-3469	5	3	academy	academy	NOUN
fsr-3469	5	4	of	of	ADP
fsr-3469	5	5	financial	financial	ADJ
fsr-3469	5	6	services	service	NOUN
fsr-3469	5	7	.	.	PUNCT
fsr-3469	6	1	all	all	DET
fsr-3469	6	2	rights	right	NOUN
fsr-3469	6	3	reserved	reserve	VERB
fsr-3469	6	4	.	.	PUNCT
fsr-3469	7	1	jel	jel	PROPN
fsr-3469	7	2	classifications	classification	NOUN
fsr-3469	7	3	:	:	PUNCT
fsr-3469	7	4	d14	d14	NOUN
fsr-3469	7	5	keywords	keyword	NOUN
fsr-3469	7	6	:	:	PUNCT
fsr-3469	7	7	retirement	retirement	NOUN
fsr-3469	7	8	income	income	NOUN
fsr-3469	7	9	;	;	PUNCT
fsr-3469	7	10	self	self	NOUN
fsr-3469	7	11	-	-	PUNCT
fsr-3469	7	12	efficacy	efficacy	NOUN
fsr-3469	7	13	;	;	PUNCT
fsr-3469	7	14	financial	financial	ADJ
fsr-3469	7	15	advisor	advisor	NOUN
fsr-3469	7	16	perceived	perceive	VERB
fsr-3469	7	17	usefulness	usefulness	NOUN
fsr-3469	7	18	;	;	PUNCT
fsr-3469	7	19	behavioral	behavioral	ADJ
fsr-3469	7	20	finance	finance	NOUN
fsr-3469	7	21	1	1	NUM
fsr-3469	7	22	.	.	PUNCT
fsr-3469	7	23	introduction	introduction	NOUN
fsr-3469	7	24	while	while	SCONJ
fsr-3469	7	25	it	it	PRON
fsr-3469	7	26	is	be	AUX
fsr-3469	7	27	generally	generally	ADV
fsr-3469	7	28	accepted	accept	VERB
fsr-3469	7	29	that	that	SCONJ
fsr-3469	7	30	irrational	irrational	ADJ
fsr-3469	7	31	behaviors	behavior	NOUN
fsr-3469	7	32	influence	influence	VERB
fsr-3469	7	33	general	general	ADJ
fsr-3469	7	34	financial	financial	ADJ
fsr-3469	7	35	decisions	decision	NOUN
fsr-3469	7	36	,	,	PUNCT
fsr-3469	7	37	research	research	NOUN
fsr-3469	7	38	detailing	detail	VERB
fsr-3469	7	39	how	how	SCONJ
fsr-3469	7	40	various	various	ADJ
fsr-3469	7	41	psychological	psychological	ADJ
fsr-3469	7	42	constructs	construct	NOUN
fsr-3469	7	43	affect	affect	VERB
fsr-3469	7	44	financial	financial	ADJ
fsr-3469	7	45	behaviors	behavior	NOUN
fsr-3469	7	46	specific	specific	ADJ
fsr-3469	7	47	to	to	ADP
fsr-3469	7	48	retirement	retirement	NOUN
fsr-3469	7	49	income	income	NOUN
fsr-3469	7	50	planning	planning	NOUN
fsr-3469	7	51	has	have	AUX
fsr-3469	7	52	lagged	lag	VERB
fsr-3469	7	53	.	.	PUNCT
fsr-3469	8	1	moreover	moreover	ADV
fsr-3469	8	2	,	,	PUNCT
fsr-3469	8	3	advances	advance	NOUN
fsr-3469	8	4	from	from	ADP
fsr-3469	8	5	behavioral	behavioral	ADJ
fsr-3469	8	6	finance	finance	NOUN
fsr-3469	8	7	and	and	CCONJ
fsr-3469	8	8	psychology	psychology	NOUN
fsr-3469	8	9	have	have	AUX
fsr-3469	8	10	progressed	progress	VERB
fsr-3469	8	11	in	in	ADP
fsr-3469	8	12	a	a	DET
fsr-3469	8	13	parallel	parallel	ADJ
fsr-3469	8	14	manner	manner	NOUN
fsr-3469	8	15	reflecting	reflect	VERB
fsr-3469	8	16	the	the	DET
fsr-3469	8	17	different	different	ADJ
fsr-3469	8	18	academic	academic	ADJ
fsr-3469	8	19	departments	department	NOUN
fsr-3469	8	20	that	that	PRON
fsr-3469	8	21	help	help	VERB
fsr-3469	8	22	to	to	PART
fsr-3469	8	23	identify	identify	VERB
fsr-3469	8	24	these	these	DET
fsr-3469	8	25	constructs	construct	NOUN
fsr-3469	8	26	.	.	PUNCT
fsr-3469	9	1	the	the	DET
fsr-3469	9	2	interplay	interplay	NOUN
fsr-3469	9	3	between	between	ADP
fsr-3469	9	4	behavioral	behavioral	ADJ
fsr-3469	9	5	finance	finance	NOUN
fsr-3469	9	6	,	,	PUNCT
fsr-3469	9	7	*	*	PUNCT
fsr-3469	9	8	corresponding	correspond	VERB
fsr-3469	9	9	author	author	NOUN
fsr-3469	9	10	:	:	PUNCT
fsr-3469	9	11	tel	tel	PROPN
fsr-3469	9	12	.	.	PUNCT
fsr-3469	9	13	:	:	PUNCT
fsr-3469	10	1	+1	+1	PROPN
fsr-3469	10	2	-	-	PUNCT
fsr-3469	10	3	610	610	NUM
fsr-3469	10	4	-	-	PUNCT
fsr-3469	10	5	526	526	NUM
fsr-3469	10	6	-	-	SYM
fsr-3469	10	7	1569	1569	NUM
fsr-3469	10	8	;	;	PUNCT
fsr-3469	10	9	fax	fax	NOUN
fsr-3469	10	10	:	:	PUNCT
fsr-3469	10	11	+1	+1	PROPN
fsr-3469	10	12	-	-	PUNCT
fsr-3469	10	13	703	703	NUM
fsr-3469	10	14	-	-	NUM
fsr-3469	10	15	556	556	NUM
fsr-3469	10	16	-	-	NUM
fsr-3469	10	17	8628	8628	NUM
fsr-3469	10	18	.	.	PUNCT
fsr-3469	11	1	e	e	X
fsr-3469	11	2	-	-	NOUN
fsr-3469	11	3	mail	mail	NOUN
fsr-3469	11	4	address	address	NOUN
fsr-3469	11	5	:	:	PUNCT
fsr-3469	11	6	wade@retirementresearcher.com	wade@retirementresearcher.com	X
fsr-3469	11	7	1057	1057	NUM
fsr-3469	11	8	-	-	SYM
fsr-3469	11	9	0810/22/$	0810/22/$	NUM
fsr-3469	11	10	–	–	PUNCT
fsr-3469	11	11	see	see	VERB
fsr-3469	11	12	front	front	ADJ
fsr-3469	11	13	matter	matter	NOUN
fsr-3469	11	14	©	©	PROPN
fsr-3469	11	15	2022	2022	NUM
fsr-3469	11	16	academy	academy	NOUN
fsr-3469	11	17	of	of	ADP
fsr-3469	11	18	financial	financial	ADJ
fsr-3469	11	19	services	service	NOUN
fsr-3469	11	20	.	.	PUNCT
fsr-3469	12	1	all	all	DET
fsr-3469	12	2	rights	right	NOUN
fsr-3469	12	3	reserved	reserve	VERB
fsr-3469	12	4	.	.	PUNCT
fsr-3469	13	1	financial	financial	ADJ
fsr-3469	13	2	services	service	NOUN
fsr-3469	13	3	review	review	VERB
fsr-3469	13	4	30	30	NUM
fsr-3469	13	5	(	(	PUNCT
fsr-3469	13	6	2022	2022	NUM
fsr-3469	13	7	)	)	PUNCT
fsr-3469	13	8	1–29	1–29	PROPN
fsr-3469	13	9	psychology	psychology	NOUN
fsr-3469	13	10	,	,	PUNCT
fsr-3469	13	11	and	and	CCONJ
fsr-3469	13	12	retirement	retirement	NOUN
fsr-3469	13	13	planning	planning	NOUN
fsr-3469	13	14	is	be	AUX
fsr-3469	13	15	one	one	NUM
fsr-3469	13	16	that	that	PRON
fsr-3469	13	17	should	should	AUX
fsr-3469	13	18	be	be	AUX
fsr-3469	13	19	examined	examine	VERB
fsr-3469	13	20	to	to	PART
fsr-3469	13	21	better	well	ADV
fsr-3469	13	22	identify	identify	VERB
fsr-3469	13	23	and	and	CCONJ
fsr-3469	13	24	promote	promote	VERB
fsr-3469	13	25	successful	successful	ADJ
fsr-3469	13	26	financial	financial	ADJ
fsr-3469	13	27	behaviors	behavior	NOUN
fsr-3469	13	28	while	while	SCONJ
fsr-3469	13	29	mitigating	mitigate	VERB
fsr-3469	13	30	the	the	DET
fsr-3469	13	31	negative	negative	ADJ
fsr-3469	13	32	ones	one	NOUN
fsr-3469	13	33	.	.	PUNCT
fsr-3469	14	1	after	after	SCONJ
fsr-3469	14	2	we	we	PRON
fsr-3469	14	3	briefly	briefly	ADV
fsr-3469	14	4	address	address	VERB
fsr-3469	14	5	how	how	SCONJ
fsr-3469	14	6	various	various	ADJ
fsr-3469	14	7	behavioral	behavioral	ADJ
fsr-3469	14	8	finance	finance	NOUN
fsr-3469	14	9	and	and	CCONJ
fsr-3469	14	10	psychological	psychological	ADJ
fsr-3469	14	11	constructs	construct	NOUN
fsr-3469	14	12	have	have	AUX
fsr-3469	14	13	been	be	AUX
fsr-3469	14	14	linked	link	VERB
fsr-3469	14	15	to	to	ADP
fsr-3469	14	16	general	general	ADJ
fsr-3469	14	17	financial	financial	ADJ
fsr-3469	14	18	behaviors	behavior	NOUN
fsr-3469	14	19	,	,	PUNCT
fsr-3469	14	20	we	we	PRON
fsr-3469	14	21	detail	detail	VERB
fsr-3469	14	22	the	the	DET
fsr-3469	14	23	development	development	NOUN
fsr-3469	14	24	of	of	ADP
fsr-3469	14	25	specific	specific	ADJ
fsr-3469	14	26	selfefficacy	selfefficacy	NOUN
fsr-3469	14	27	,	,	PUNCT
fsr-3469	14	28	financial	financial	ADJ
fsr-3469	14	29	bias	bias	NOUN
fsr-3469	14	30	,	,	PUNCT
fsr-3469	14	31	numeracy	numeracy	NOUN
fsr-3469	14	32	,	,	PUNCT
fsr-3469	14	33	and	and	CCONJ
fsr-3469	14	34	advisor	advisor	NOUN
fsr-3469	14	35	usefulness	usefulness	NOUN
fsr-3469	14	36	scales	scale	NOUN
fsr-3469	14	37	.	.	PUNCT
fsr-3469	15	1	while	while	SCONJ
fsr-3469	15	2	these	these	PRON
fsr-3469	15	3	are	be	AUX
fsr-3469	15	4	generally	generally	ADV
fsr-3469	15	5	accepted	accept	VERB
fsr-3469	15	6	social	social	ADJ
fsr-3469	15	7	science	science	NOUN
fsr-3469	15	8	constructs	construct	NOUN
fsr-3469	15	9	,	,	PUNCT
fsr-3469	15	10	these	these	DET
fsr-3469	15	11	scales	scale	NOUN
fsr-3469	15	12	were	be	AUX
fsr-3469	15	13	created	create	VERB
fsr-3469	15	14	with	with	ADP
fsr-3469	15	15	an	an	DET
fsr-3469	15	16	increased	increase	VERB
fsr-3469	15	17	level	level	NOUN
fsr-3469	15	18	of	of	ADP
fsr-3469	15	19	specificity	specificity	NOUN
fsr-3469	15	20	to	to	ADP
fsr-3469	15	21	retirement	retirement	NOUN
fsr-3469	15	22	income	income	NOUN
fsr-3469	15	23	.	.	PUNCT
fsr-3469	16	1	we	we	PRON
fsr-3469	16	2	assess	assess	VERB
fsr-3469	16	3	their	their	PRON
fsr-3469	16	4	ability	ability	NOUN
fsr-3469	16	5	to	to	PART
fsr-3469	16	6	reliably	reliably	ADV
fsr-3469	16	7	quantify	quantify	VERB
fsr-3469	16	8	these	these	DET
fsr-3469	16	9	factors	factor	NOUN
fsr-3469	16	10	.	.	PUNCT
fsr-3469	17	1	we	we	PRON
fsr-3469	17	2	further	far	ADV
fsr-3469	17	3	examine	examine	VERB
fsr-3469	17	4	how	how	SCONJ
fsr-3469	17	5	these	these	DET
fsr-3469	17	6	factors	factor	NOUN
fsr-3469	17	7	associate	associate	VERB
fsr-3469	17	8	with	with	ADP
fsr-3469	17	9	each	each	DET
fsr-3469	17	10	other	other	ADJ
fsr-3469	17	11	,	,	PUNCT
fsr-3469	17	12	retirement	retirement	NOUN
fsr-3469	17	13	income	income	NOUN
fsr-3469	17	14	concerns	concern	NOUN
fsr-3469	17	15	,	,	PUNCT
fsr-3469	17	16	investment	investment	NOUN
fsr-3469	17	17	behaviors	behavior	NOUN
fsr-3469	17	18	,	,	PUNCT
fsr-3469	17	19	overall	overall	ADJ
fsr-3469	17	20	retirement	retirement	NOUN
fsr-3469	17	21	income	income	NOUN
fsr-3469	17	22	outlook	outlook	NOUN
fsr-3469	17	23	,	,	PUNCT
fsr-3469	17	24	and	and	CCONJ
fsr-3469	17	25	the	the	DET
fsr-3469	17	26	use	use	NOUN
fsr-3469	17	27	of	of	ADP
fsr-3469	17	28	an	an	DET
fsr-3469	17	29	advisor	advisor	NOUN
fsr-3469	17	30	.	.	PUNCT
fsr-3469	18	1	this	this	PRON
fsr-3469	18	2	presents	present	VERB
fsr-3469	18	3	a	a	DET
fsr-3469	18	4	further	further	ADJ
fsr-3469	18	5	indication	indication	NOUN
fsr-3469	18	6	of	of	ADP
fsr-3469	18	7	construct	construct	NOUN
fsr-3469	18	8	and	and	CCONJ
fsr-3469	18	9	criterion	criterion	NOUN
fsr-3469	18	10	validity	validity	NOUN
fsr-3469	18	11	for	for	ADP
fsr-3469	18	12	the	the	DET
fsr-3469	18	13	scales	scale	NOUN
fsr-3469	18	14	(	(	PUNCT
fsr-3469	18	15	devellis	develli	NOUN
fsr-3469	18	16	,	,	PUNCT
fsr-3469	18	17	2017	2017	NUM
fsr-3469	18	18	)	)	PUNCT
fsr-3469	18	19	.	.	PUNCT
fsr-3469	19	1	the	the	DET
fsr-3469	19	2	results	result	NOUN
fsr-3469	19	3	identify	identify	VERB
fsr-3469	19	4	four	four	NUM
fsr-3469	19	5	financial	financial	ADJ
fsr-3469	19	6	implementation	implementation	NOUN
fsr-3469	19	7	personas	persona	NOUN
fsr-3469	19	8	in	in	ADP
fsr-3469	19	9	relation	relation	NOUN
fsr-3469	19	10	to	to	ADP
fsr-3469	19	11	their	their	PRON
fsr-3469	19	12	retirement	retirement	NOUN
fsr-3469	19	13	income	income	NOUN
fsr-3469	19	14	self	self	NOUN
fsr-3469	19	15	-	-	PUNCT
fsr-3469	19	16	efficacy	efficacy	NOUN
fsr-3469	19	17	and	and	CCONJ
fsr-3469	19	18	perceptions	perception	NOUN
fsr-3469	19	19	about	about	ADP
fsr-3469	19	20	the	the	DET
fsr-3469	19	21	usefulness	usefulness	NOUN
fsr-3469	19	22	of	of	ADP
fsr-3469	19	23	financial	financial	ADJ
fsr-3469	19	24	advisors	advisor	NOUN
fsr-3469	19	25	.	.	PUNCT
fsr-3469	20	1	these	these	DET
fsr-3469	20	2	personas	persona	NOUN
fsr-3469	20	3	link	link	VERB
fsr-3469	20	4	to	to	ADP
fsr-3469	20	5	various	various	ADJ
fsr-3469	20	6	behavioral	behavioral	ADJ
fsr-3469	20	7	finance	finance	NOUN
fsr-3469	20	8	constructs	construct	NOUN
fsr-3469	20	9	,	,	PUNCT
fsr-3469	20	10	retirement	retirement	NOUN
fsr-3469	20	11	income	income	NOUN
fsr-3469	20	12	concerns	concern	NOUN
fsr-3469	20	13	,	,	PUNCT
fsr-3469	20	14	investment	investment	NOUN
fsr-3469	20	15	behaviors	behavior	NOUN
fsr-3469	20	16	,	,	PUNCT
fsr-3469	20	17	and	and	CCONJ
fsr-3469	20	18	retirement	retirement	NOUN
fsr-3469	20	19	outlooks	outlook	NOUN
fsr-3469	20	20	.	.	PUNCT
fsr-3469	21	1	this	this	PRON
fsr-3469	21	2	provides	provide	VERB
fsr-3469	21	3	a	a	DET
fsr-3469	21	4	framework	framework	NOUN
fsr-3469	21	5	to	to	PART
fsr-3469	21	6	identify	identify	VERB
fsr-3469	21	7	individual	individual	ADJ
fsr-3469	21	8	preferences	preference	NOUN
fsr-3469	21	9	for	for	ADP
fsr-3469	21	10	receiving	receive	VERB
fsr-3469	21	11	financial	financial	ADJ
fsr-3469	21	12	advice	advice	NOUN
fsr-3469	21	13	and	and	CCONJ
fsr-3469	21	14	avenues	avenue	NOUN
fsr-3469	21	15	that	that	PRON
fsr-3469	21	16	maximize	maximize	VERB
fsr-3469	21	17	those	those	DET
fsr-3469	21	18	preferences	preference	NOUN
fsr-3469	21	19	.	.	PUNCT
fsr-3469	22	1	it	it	PRON
fsr-3469	22	2	also	also	ADV
fsr-3469	22	3	addresses	address	VERB
fsr-3469	22	4	the	the	DET
fsr-3469	22	5	potential	potential	ADJ
fsr-3469	22	6	areas	area	NOUN
fsr-3469	22	7	of	of	ADP
fsr-3469	22	8	strengths	strength	NOUN
fsr-3469	22	9	and	and	CCONJ
fsr-3469	22	10	weaknesses	weakness	NOUN
fsr-3469	22	11	for	for	ADP
fsr-3469	22	12	the	the	DET
fsr-3469	22	13	different	different	ADJ
fsr-3469	22	14	types	type	NOUN
fsr-3469	22	15	of	of	ADP
fsr-3469	22	16	retirees	retiree	NOUN
fsr-3469	22	17	.	.	PUNCT
fsr-3469	23	1	altogether	altogether	ADV
fsr-3469	23	2	,	,	PUNCT
fsr-3469	23	3	this	this	PRON
fsr-3469	23	4	supports	support	VERB
fsr-3469	23	5	greater	great	ADJ
fsr-3469	23	6	retirement	retirement	NOUN
fsr-3469	23	7	income	income	NOUN
fsr-3469	23	8	planning	planning	NOUN
fsr-3469	23	9	success	success	NOUN
fsr-3469	23	10	.	.	PUNCT
fsr-3469	24	1	2	2	X
fsr-3469	24	2	.	.	X
fsr-3469	24	3	literature	literature	NOUN
fsr-3469	24	4	review	review	NOUN
fsr-3469	24	5	we	we	PRON
fsr-3469	24	6	provide	provide	VERB
fsr-3469	24	7	a	a	DET
fsr-3469	24	8	brief	brief	ADJ
fsr-3469	24	9	review	review	NOUN
fsr-3469	24	10	of	of	ADP
fsr-3469	24	11	the	the	DET
fsr-3469	24	12	constructs	construct	NOUN
fsr-3469	24	13	that	that	PRON
fsr-3469	24	14	will	will	AUX
fsr-3469	24	15	be	be	AUX
fsr-3469	24	16	included	include	VERB
fsr-3469	24	17	in	in	ADP
fsr-3469	24	18	our	our	PRON
fsr-3469	24	19	investigation	investigation	NOUN
fsr-3469	24	20	.	.	PUNCT
fsr-3469	25	1	first	first	ADV
fsr-3469	25	2	,	,	PUNCT
fsr-3469	25	3	tversky	tversky	NOUN
fsr-3469	25	4	and	and	CCONJ
fsr-3469	25	5	kahneman	kahneman	NOUN
fsr-3469	25	6	(	(	PUNCT
fsr-3469	25	7	1974	1974	NUM
fsr-3469	25	8	)	)	PUNCT
fsr-3469	25	9	identified	identify	VERB
fsr-3469	25	10	that	that	SCONJ
fsr-3469	25	11	individuals	individual	NOUN
fsr-3469	25	12	have	have	VERB
fsr-3469	25	13	two	two	NUM
fsr-3469	25	14	approaches	approach	NOUN
fsr-3469	25	15	to	to	ADP
fsr-3469	25	16	their	their	PRON
fsr-3469	25	17	decision	decision	NOUN
fsr-3469	25	18	-	-	PUNCT
fsr-3469	25	19	making	make	VERB
fsr-3469	25	20	process	process	NOUN
fsr-3469	25	21	.	.	PUNCT
fsr-3469	26	1	one	one	NUM
fsr-3469	26	2	is	be	AUX
fsr-3469	26	3	predicated	predicate	VERB
fsr-3469	26	4	on	on	ADP
fsr-3469	26	5	a	a	DET
fsr-3469	26	6	quick	quick	ADJ
fsr-3469	26	7	and	and	CCONJ
fsr-3469	26	8	simple	simple	ADJ
fsr-3469	26	9	heuristic	heuristic	ADJ
fsr-3469	26	10	approach	approach	NOUN
fsr-3469	26	11	via	via	ADP
fsr-3469	26	12	mental	mental	ADJ
fsr-3469	26	13	shortcuts	shortcut	NOUN
fsr-3469	26	14	,	,	PUNCT
fsr-3469	26	15	and	and	CCONJ
fsr-3469	26	16	another	another	PRON
fsr-3469	26	17	is	be	AUX
fsr-3469	26	18	deeply	deeply	ADV
fsr-3469	26	19	analytical	analytical	ADJ
fsr-3469	26	20	and	and	CCONJ
fsr-3469	26	21	measured	measure	VERB
fsr-3469	26	22	.	.	PUNCT
fsr-3469	27	1	while	while	SCONJ
fsr-3469	27	2	many	many	ADJ
fsr-3469	27	3	mental	mental	ADJ
fsr-3469	27	4	shortcuts	shortcut	NOUN
fsr-3469	27	5	are	be	AUX
fsr-3469	27	6	very	very	ADV
fsr-3469	27	7	adaptive	adaptive	ADJ
fsr-3469	27	8	for	for	ADP
fsr-3469	27	9	everyday	everyday	ADJ
fsr-3469	27	10	living	living	NOUN
fsr-3469	27	11	,	,	PUNCT
fsr-3469	27	12	they	they	PRON
fsr-3469	27	13	are	be	AUX
fsr-3469	27	14	frequently	frequently	ADV
fsr-3469	27	15	maladaptive	maladaptive	ADJ
fsr-3469	27	16	when	when	SCONJ
fsr-3469	27	17	making	make	VERB
fsr-3469	27	18	personal	personal	ADJ
fsr-3469	27	19	financial	financial	ADJ
fsr-3469	27	20	decisions	decision	NOUN
fsr-3469	27	21	.	.	PUNCT
fsr-3469	28	1	additionally	additionally	ADV
fsr-3469	28	2	,	,	PUNCT
fsr-3469	28	3	loss	loss	NOUN
fsr-3469	28	4	aversion	aversion	NOUN
fsr-3469	28	5	is	be	AUX
fsr-3469	28	6	a	a	DET
fsr-3469	28	7	significant	significant	ADJ
fsr-3469	28	8	behavioral	behavioral	ADJ
fsr-3469	28	9	finance	finance	NOUN
fsr-3469	28	10	construct	construct	NOUN
fsr-3469	28	11	that	that	PRON
fsr-3469	28	12	permeates	permeate	VERB
fsr-3469	28	13	throughout	throughout	ADP
fsr-3469	28	14	the	the	DET
fsr-3469	28	15	personal	personal	ADJ
fsr-3469	28	16	finance	finance	NOUN
fsr-3469	28	17	field	field	NOUN
fsr-3469	28	18	.	.	PUNCT
fsr-3469	29	1	it	it	PRON
fsr-3469	29	2	is	be	AUX
fsr-3469	29	3	not	not	PART
fsr-3469	29	4	only	only	ADV
fsr-3469	29	5	the	the	DET
fsr-3469	29	6	idea	idea	NOUN
fsr-3469	29	7	that	that	SCONJ
fsr-3469	29	8	losses	loss	NOUN
fsr-3469	29	9	are	be	AUX
fsr-3469	29	10	more	more	ADV
fsr-3469	29	11	psychologically	psychologically	ADV
fsr-3469	29	12	impactful	impactful	ADJ
fsr-3469	29	13	than	than	ADP
fsr-3469	29	14	gains	gain	NOUN
fsr-3469	29	15	,	,	PUNCT
fsr-3469	29	16	but	but	CCONJ
fsr-3469	29	17	that	that	SCONJ
fsr-3469	29	18	individuals	individual	NOUN
fsr-3469	29	19	evaluate	evaluate	VERB
fsr-3469	29	20	these	these	DET
fsr-3469	29	21	gains	gain	NOUN
fsr-3469	29	22	and	and	CCONJ
fsr-3469	29	23	losses	loss	NOUN
fsr-3469	29	24	relative	relative	ADJ
fsr-3469	29	25	to	to	ADP
fsr-3469	29	26	a	a	DET
fsr-3469	29	27	reference	reference	NOUN
fsr-3469	29	28	point	point	NOUN
fsr-3469	29	29	(	(	PUNCT
fsr-3469	29	30	kahneman	kahneman	PROPN
fsr-3469	29	31	&	&	CCONJ
fsr-3469	29	32	tversky	tversky	PROPN
fsr-3469	29	33	,	,	PUNCT
fsr-3469	29	34	1979	1979	NUM
fsr-3469	29	35	)	)	PUNCT
fsr-3469	29	36	.	.	PUNCT
fsr-3469	30	1	our	our	PRON
fsr-3469	30	2	tendency	tendency	NOUN
fsr-3469	30	3	to	to	PART
fsr-3469	30	4	rely	rely	VERB
fsr-3469	30	5	on	on	ADP
fsr-3469	30	6	heuristics	heuristic	NOUN
fsr-3469	30	7	for	for	ADP
fsr-3469	30	8	financial	financial	ADJ
fsr-3469	30	9	decisions	decision	NOUN
fsr-3469	30	10	and	and	CCONJ
fsr-3469	30	11	the	the	DET
fsr-3469	30	12	effect	effect	NOUN
fsr-3469	30	13	of	of	ADP
fsr-3469	30	14	loss	loss	NOUN
fsr-3469	30	15	aversion	aversion	NOUN
fsr-3469	30	16	leads	lead	VERB
fsr-3469	30	17	to	to	ADP
fsr-3469	30	18	many	many	ADJ
fsr-3469	30	19	wellknown	wellknown	ADJ
fsr-3469	30	20	financial	financial	ADJ
fsr-3469	30	21	biases	bias	NOUN
fsr-3469	30	22	including	include	VERB
fsr-3469	30	23	hindsight	hindsight	ADJ
fsr-3469	30	24	,	,	PUNCT
fsr-3469	30	25	recency	recency	NOUN
fsr-3469	30	26	,	,	PUNCT
fsr-3469	30	27	survivorship	survivorship	NOUN
fsr-3469	30	28	,	,	PUNCT
fsr-3469	30	29	affinity	affinity	NOUN
fsr-3469	30	30	,	,	PUNCT
fsr-3469	30	31	gambler	gambler	NOUN
fsr-3469	30	32	’s	’s	PART
fsr-3469	30	33	fallacy	fallacy	NOUN
fsr-3469	30	34	,	,	PUNCT
fsr-3469	30	35	and	and	CCONJ
fsr-3469	30	36	the	the	DET
fsr-3469	30	37	endowment	endowment	ADJ
fsr-3469	30	38	effect	effect	NOUN
fsr-3469	30	39	.	.	PUNCT
fsr-3469	31	1	other	other	ADJ
fsr-3469	31	2	behavioral	behavioral	ADJ
fsr-3469	31	3	finance	finance	NOUN
fsr-3469	31	4	constructs	construct	NOUN
fsr-3469	31	5	have	have	AUX
fsr-3469	31	6	started	start	VERB
fsr-3469	31	7	to	to	PART
fsr-3469	31	8	indicate	indicate	VERB
fsr-3469	31	9	potential	potential	ADJ
fsr-3469	31	10	avenues	avenue	NOUN
fsr-3469	31	11	for	for	ADP
fsr-3469	31	12	insight	insight	NOUN
fsr-3469	31	13	.	.	PUNCT
fsr-3469	32	1	inertia	inertia	NOUN
fsr-3469	32	2	has	have	AUX
fsr-3469	32	3	been	be	AUX
fsr-3469	32	4	advanced	advance	VERB
fsr-3469	32	5	as	as	ADP
fsr-3469	32	6	a	a	DET
fsr-3469	32	7	foundational	foundational	ADJ
fsr-3469	32	8	contributor	contributor	NOUN
fsr-3469	32	9	to	to	ADP
fsr-3469	32	10	explaining	explain	VERB
fsr-3469	32	11	financial	financial	ADJ
fsr-3469	32	12	behavior	behavior	NOUN
fsr-3469	32	13	(	(	PUNCT
fsr-3469	32	14	gal	gal	PROPN
fsr-3469	32	15	,	,	PUNCT
fsr-3469	32	16	2006	2006	NUM
fsr-3469	32	17	)	)	PUNCT
fsr-3469	32	18	.	.	PUNCT
fsr-3469	33	1	the	the	DET
fsr-3469	33	2	concept	concept	NOUN
fsr-3469	33	3	of	of	ADP
fsr-3469	33	4	inertia	inertia	NOUN
fsr-3469	33	5	indicates	indicate	VERB
fsr-3469	33	6	that	that	SCONJ
fsr-3469	33	7	individuals	individual	NOUN
fsr-3469	33	8	tend	tend	VERB
fsr-3469	33	9	to	to	PART
fsr-3469	33	10	maintain	maintain	VERB
fsr-3469	33	11	the	the	DET
fsr-3469	33	12	status	status	NOUN
fsr-3469	33	13	-	-	PUNCT
fsr-3469	33	14	quo	quo	NOUN
fsr-3469	33	15	.	.	PUNCT
fsr-3469	34	1	to	to	PART
fsr-3469	34	2	change	change	VERB
fsr-3469	34	3	this	this	DET
fsr-3469	34	4	baseline	baseline	NOUN
fsr-3469	34	5	for	for	ADP
fsr-3469	34	6	the	the	DET
fsr-3469	34	7	status	status	NOUN
fsr-3469	34	8	quo	quo	NOUN
fsr-3469	34	9	,	,	PUNCT
fsr-3469	34	10	there	there	PRON
fsr-3469	34	11	must	must	AUX
fsr-3469	34	12	be	be	AUX
fsr-3469	34	13	an	an	DET
fsr-3469	34	14	improvement	improvement	NOUN
fsr-3469	34	15	,	,	PUNCT
fsr-3469	34	16	not	not	PART
fsr-3469	34	17	just	just	ADV
fsr-3469	34	18	a	a	DET
fsr-3469	34	19	substitution	substitution	NOUN
fsr-3469	34	20	,	,	PUNCT
fsr-3469	34	21	to	to	ADP
fsr-3469	34	22	the	the	DET
fsr-3469	34	23	current	current	ADJ
fsr-3469	34	24	situation	situation	NOUN
fsr-3469	34	25	that	that	PRON
fsr-3469	34	26	makes	make	VERB
fsr-3469	34	27	the	the	DET
fsr-3469	34	28	effort	effort	NOUN
fsr-3469	34	29	for	for	ADP
fsr-3469	34	30	change	change	NOUN
fsr-3469	34	31	worthwhile	worthwhile	ADJ
fsr-3469	34	32	.	.	PUNCT
fsr-3469	35	1	this	this	DET
fsr-3469	35	2	push	push	NOUN
fsr-3469	35	3	past	past	ADP
fsr-3469	35	4	indifference	indifference	NOUN
fsr-3469	35	5	also	also	ADV
fsr-3469	35	6	requires	require	VERB
fsr-3469	35	7	that	that	SCONJ
fsr-3469	35	8	alternatives	alternative	NOUN
fsr-3469	35	9	be	be	AUX
fsr-3469	35	10	posed	pose	VERB
fsr-3469	35	11	as	as	ADP
fsr-3469	35	12	clear	clear	ADJ
fsr-3469	35	13	choices	choice	NOUN
fsr-3469	35	14	.	.	PUNCT
fsr-3469	36	1	the	the	DET
fsr-3469	36	2	key	key	ADJ
fsr-3469	36	3	dynamic	dynamic	NOUN
fsr-3469	36	4	for	for	ADP
fsr-3469	36	5	differentiation	differentiation	NOUN
fsr-3469	36	6	between	between	ADP
fsr-3469	36	7	loss	loss	NOUN
fsr-3469	36	8	aversion	aversion	NOUN
fsr-3469	36	9	and	and	CCONJ
fsr-3469	36	10	inertia	inertia	NOUN
fsr-3469	36	11	is	be	AUX
fsr-3469	36	12	the	the	DET
fsr-3469	36	13	push	push	NOUN
fsr-3469	36	14	and	and	CCONJ
fsr-3469	36	15	pull	pull	VERB
fsr-3469	36	16	between	between	ADP
fsr-3469	36	17	action	action	NOUN
fsr-3469	36	18	versus	versus	ADP
fsr-3469	36	19	inaction	inaction	NOUN
fsr-3469	36	20	(	(	PUNCT
fsr-3469	36	21	e.g.	e.g.	ADV
fsr-3469	36	22	,	,	PUNCT
fsr-3469	36	23	inertia	inertia	NOUN
fsr-3469	36	24	)	)	PUNCT
fsr-3469	36	25	as	as	SCONJ
fsr-3469	36	26	opposed	oppose	VERB
fsr-3469	36	27	to	to	ADP
fsr-3469	36	28	the	the	DET
fsr-3469	36	29	psychological	psychological	ADJ
fsr-3469	36	30	valence	valence	NOUN
fsr-3469	36	31	of	of	ADP
fsr-3469	36	32	a	a	DET
fsr-3469	36	33	gain	gain	NOUN
fsr-3469	36	34	versus	versus	ADP
fsr-3469	36	35	a	a	DET
fsr-3469	36	36	loss	loss	NOUN
fsr-3469	36	37	(	(	PUNCT
fsr-3469	36	38	e.g.	e.g.	ADV
fsr-3469	36	39	,	,	PUNCT
fsr-3469	36	40	loss	loss	NOUN
fsr-3469	36	41	aversion	aversion	NOUN
fsr-3469	36	42	)	)	PUNCT
fsr-3469	36	43	.	.	PUNCT
fsr-3469	37	1	gal	gal	NOUN
fsr-3469	37	2	(	(	PUNCT
fsr-3469	37	3	2006	2006	NUM
fsr-3469	37	4	)	)	PUNCT
fsr-3469	37	5	posits	posit	NOUN
fsr-3469	37	6	that	that	SCONJ
fsr-3469	37	7	inertia	inertia	NOUN
fsr-3469	37	8	is	be	AUX
fsr-3469	37	9	a	a	DET
fsr-3469	37	10	more	more	ADV
fsr-3469	37	11	impactful	impactful	ADJ
fsr-3469	37	12	construct	construct	NOUN
fsr-3469	37	13	than	than	ADP
fsr-3469	37	14	loss	loss	NOUN
fsr-3469	37	15	aversion	aversion	NOUN
fsr-3469	37	16	as	as	ADP
fsr-3469	37	17	a	a	DET
fsr-3469	37	18	keystone	keystone	NOUN
fsr-3469	37	19	principle	principle	NOUN
fsr-3469	37	20	in	in	ADP
fsr-3469	37	21	behavioral	behavioral	ADJ
fsr-3469	37	22	finance	finance	NOUN
fsr-3469	37	23	.	.	PUNCT
fsr-3469	38	1	2	2	NUM
fsr-3469	38	2	a.	a.	NOUN
fsr-3469	38	3	murguı́a	murguı́a	NOUN
fsr-3469	38	4	and	and	CCONJ
fsr-3469	38	5	w.	w.	NOUN
fsr-3469	38	6	pfau	pfau	PROPN
fsr-3469	38	7	/	/	SYM
fsr-3469	38	8	financial	financial	ADJ
fsr-3469	38	9	services	service	NOUN
fsr-3469	38	10	review	review	VERB
fsr-3469	38	11	30	30	NUM
fsr-3469	38	12	(	(	PUNCT
fsr-3469	38	13	2022	2022	NUM
fsr-3469	38	14	)	)	PUNCT
fsr-3469	38	15	1–29	1–29	PROPN
fsr-3469	38	16	numeracy	numeracy	NOUN
fsr-3469	38	17	is	be	AUX
fsr-3469	38	18	the	the	DET
fsr-3469	38	19	ability	ability	NOUN
fsr-3469	38	20	to	to	PART
fsr-3469	38	21	comprehend	comprehend	VERB
fsr-3469	38	22	numerical	numerical	ADJ
fsr-3469	38	23	concepts	concept	NOUN
fsr-3469	38	24	such	such	ADJ
fsr-3469	38	25	as	as	ADP
fsr-3469	38	26	probabilities	probability	NOUN
fsr-3469	38	27	and	and	CCONJ
fsr-3469	38	28	other	other	ADJ
fsr-3469	38	29	mathematical	mathematical	ADJ
fsr-3469	38	30	procedures	procedure	NOUN
fsr-3469	38	31	.	.	PUNCT
fsr-3469	39	1	in	in	ADP
fsr-3469	39	2	the	the	DET
fsr-3469	39	3	field	field	NOUN
fsr-3469	39	4	of	of	ADP
fsr-3469	39	5	personal	personal	ADJ
fsr-3469	39	6	finance	finance	NOUN
fsr-3469	39	7	,	,	PUNCT
fsr-3469	39	8	it	it	PRON
fsr-3469	39	9	is	be	AUX
fsr-3469	39	10	frequently	frequently	ADV
fsr-3469	39	11	referred	refer	VERB
fsr-3469	39	12	to	to	ADP
fsr-3469	39	13	as	as	ADP
fsr-3469	39	14	financial	financial	ADJ
fsr-3469	39	15	literacy	literacy	NOUN
fsr-3469	39	16	or	or	CCONJ
fsr-3469	39	17	risk	risk	NOUN
fsr-3469	39	18	literacy	literacy	NOUN
fsr-3469	39	19	.	.	PUNCT
fsr-3469	40	1	one	one	NUM
fsr-3469	40	2	’s	’s	PART
fsr-3469	40	3	level	level	NOUN
fsr-3469	40	4	of	of	ADP
fsr-3469	40	5	financial	financial	ADJ
fsr-3469	40	6	literacy	literacy	NOUN
fsr-3469	40	7	has	have	AUX
fsr-3469	40	8	been	be	AUX
fsr-3469	40	9	identified	identify	VERB
fsr-3469	40	10	as	as	ADP
fsr-3469	40	11	having	have	VERB
fsr-3469	40	12	a	a	DET
fsr-3469	40	13	major	major	ADJ
fsr-3469	40	14	impact	impact	NOUN
fsr-3469	40	15	into	into	ADP
fsr-3469	40	16	financial	financial	ADJ
fsr-3469	40	17	decision	decision	NOUN
fsr-3469	40	18	making	making	NOUN
fsr-3469	40	19	(	(	PUNCT
fsr-3469	40	20	lusardi	lusardi	PROPN
fsr-3469	40	21	&	&	CCONJ
fsr-3469	40	22	mitchell	mitchell	PROPN
fsr-3469	40	23	,	,	PUNCT
fsr-3469	40	24	2014	2014	NUM
fsr-3469	40	25	)	)	PUNCT
fsr-3469	40	26	.	.	PUNCT
fsr-3469	41	1	financial	financial	ADJ
fsr-3469	41	2	literacy	literacy	NOUN
fsr-3469	41	3	has	have	AUX
fsr-3469	41	4	also	also	ADV
fsr-3469	41	5	been	be	AUX
fsr-3469	41	6	associated	associate	VERB
fsr-3469	41	7	with	with	ADP
fsr-3469	41	8	an	an	DET
fsr-3469	41	9	inability	inability	NOUN
fsr-3469	41	10	to	to	PART
fsr-3469	41	11	understand	understand	VERB
fsr-3469	41	12	the	the	DET
fsr-3469	41	13	impact	impact	NOUN
fsr-3469	41	14	of	of	ADP
fsr-3469	41	15	portfolio	portfolio	NOUN
fsr-3469	41	16	volatility	volatility	NOUN
fsr-3469	41	17	on	on	ADP
fsr-3469	41	18	investment	investment	NOUN
fsr-3469	41	19	returns	return	NOUN
fsr-3469	41	20	(	(	PUNCT
fsr-3469	41	21	newall	newall	NOUN
fsr-3469	41	22	,	,	PUNCT
fsr-3469	41	23	2016	2016	NUM
fsr-3469	41	24	)	)	PUNCT
fsr-3469	41	25	.	.	PUNCT
fsr-3469	42	1	low	low	ADJ
fsr-3469	42	2	financial	financial	ADJ
fsr-3469	42	3	literacy	literacy	NOUN
fsr-3469	42	4	is	be	AUX
fsr-3469	42	5	a	a	DET
fsr-3469	42	6	pervasive	pervasive	ADJ
fsr-3469	42	7	global	global	ADJ
fsr-3469	42	8	observation	observation	NOUN
fsr-3469	42	9	(	(	PUNCT
fsr-3469	42	10	kell	kell	PROPN
fsr-3469	42	11	,	,	PUNCT
fsr-3469	42	12	2014	2014	NUM
fsr-3469	42	13	)	)	PUNCT
fsr-3469	42	14	and	and	CCONJ
fsr-3469	42	15	unfortunately	unfortunately	ADV
fsr-3469	42	16	only	only	ADV
fsr-3469	42	17	57	57	NUM
fsr-3469	42	18	%	%	NOUN
fsr-3469	42	19	of	of	ADP
fsr-3469	42	20	americans	americans	PROPN
fsr-3469	42	21	made	make	VERB
fsr-3469	42	22	a	a	DET
fsr-3469	42	23	passing	pass	VERB
fsr-3469	42	24	grade	grade	NOUN
fsr-3469	42	25	in	in	ADP
fsr-3469	42	26	a	a	DET
fsr-3469	42	27	standard	standard	ADJ
fsr-3469	42	28	financial	financial	ADJ
fsr-3469	42	29	literacy	literacy	NOUN
fsr-3469	42	30	test	test	NOUN
fsr-3469	42	31	(	(	PUNCT
fsr-3469	42	32	zumbrum	zumbrum	PROPN
fsr-3469	42	33	,	,	PUNCT
fsr-3469	42	34	2015	2015	NUM
fsr-3469	42	35	)	)	PUNCT
fsr-3469	42	36	.	.	PUNCT
fsr-3469	43	1	numeracy	numeracy	NOUN
fsr-3469	43	2	studies	study	NOUN
fsr-3469	43	3	within	within	ADP
fsr-3469	43	4	the	the	DET
fsr-3469	43	5	medical	medical	ADJ
fsr-3469	43	6	field	field	NOUN
fsr-3469	43	7	has	have	AUX
fsr-3469	43	8	also	also	ADV
fsr-3469	43	9	found	find	VERB
fsr-3469	43	10	that	that	SCONJ
fsr-3469	43	11	older	old	ADJ
fsr-3469	43	12	adults	adult	NOUN
fsr-3469	43	13	experienced	experienced	ADJ
fsr-3469	43	14	difficulty	difficulty	NOUN
fsr-3469	43	15	using	use	VERB
fsr-3469	43	16	numerical	numerical	ADJ
fsr-3469	43	17	information	information	NOUN
fsr-3469	43	18	to	to	PART
fsr-3469	43	19	compare	compare	VERB
fsr-3469	43	20	medicare	medicare	PROPN
fsr-3469	43	21	health	health	NOUN
fsr-3469	43	22	plans	plan	NOUN
fsr-3469	43	23	(	(	PUNCT
fsr-3469	43	24	hibbard	hibbard	X
fsr-3469	43	25	et	et	PROPN
fsr-3469	43	26	al	al	PROPN
fsr-3469	43	27	.	.	PROPN
fsr-3469	43	28	,	,	PUNCT
fsr-3469	43	29	2001	2001	NUM
fsr-3469	43	30	)	)	PUNCT
fsr-3469	43	31	.	.	PUNCT
fsr-3469	44	1	numeracy	numeracy	NOUN
fsr-3469	44	2	is	be	AUX
fsr-3469	44	3	an	an	DET
fsr-3469	44	4	important	important	ADJ
fsr-3469	44	5	personal	personal	ADJ
fsr-3469	44	6	consideration	consideration	NOUN
fsr-3469	44	7	when	when	SCONJ
fsr-3469	44	8	developing	develop	VERB
fsr-3469	44	9	a	a	DET
fsr-3469	44	10	retirement	retirement	NOUN
fsr-3469	44	11	income	income	NOUN
fsr-3469	44	12	plan	plan	NOUN
fsr-3469	44	13	.	.	PUNCT
fsr-3469	45	1	agarwal	agarwal	PROPN
fsr-3469	45	2	and	and	CCONJ
fsr-3469	45	3	mazumder	mazumder	PROPN
fsr-3469	45	4	(	(	PUNCT
fsr-3469	45	5	2013	2013	NUM
fsr-3469	45	6	)	)	PUNCT
fsr-3469	45	7	point	point	NOUN
fsr-3469	45	8	out	out	ADP
fsr-3469	45	9	that	that	SCONJ
fsr-3469	45	10	one	one	NUM
fsr-3469	45	11	’s	’s	PART
fsr-3469	45	12	financial	financial	ADJ
fsr-3469	45	13	choices	choice	NOUN
fsr-3469	45	14	may	may	AUX
fsr-3469	45	15	not	not	PART
fsr-3469	45	16	be	be	AUX
fsr-3469	45	17	optimal	optimal	ADJ
fsr-3469	45	18	due	due	ADJ
fsr-3469	45	19	to	to	ADP
fsr-3469	45	20	low	low	ADJ
fsr-3469	45	21	proficiency	proficiency	NOUN
fsr-3469	45	22	or	or	CCONJ
fsr-3469	45	23	a	a	DET
fsr-3469	45	24	general	general	ADJ
fsr-3469	45	25	avoidance	avoidance	NOUN
fsr-3469	45	26	of	of	ADP
fsr-3469	45	27	mathematical	mathematical	ADJ
fsr-3469	45	28	concepts	concept	NOUN
fsr-3469	45	29	.	.	PUNCT
fsr-3469	46	1	while	while	SCONJ
fsr-3469	46	2	numeracy	numeracy	NOUN
fsr-3469	46	3	is	be	AUX
fsr-3469	46	4	the	the	DET
fsr-3469	46	5	objective	objective	ADJ
fsr-3469	46	6	measure	measure	NOUN
fsr-3469	46	7	of	of	ADP
fsr-3469	46	8	mathematical	mathematical	ADJ
fsr-3469	46	9	competence	competence	NOUN
fsr-3469	46	10	,	,	PUNCT
fsr-3469	46	11	few	few	ADJ
fsr-3469	46	12	studies	study	NOUN
fsr-3469	46	13	have	have	AUX
fsr-3469	46	14	investigated	investigate	VERB
fsr-3469	46	15	the	the	DET
fsr-3469	46	16	differences	difference	NOUN
fsr-3469	46	17	between	between	ADP
fsr-3469	46	18	numeracy	numeracy	NOUN
fsr-3469	46	19	and	and	CCONJ
fsr-3469	46	20	perceived	perceive	VERB
fsr-3469	46	21	numeracy	numeracy	NOUN
fsr-3469	46	22	.	.	PUNCT
fsr-3469	47	1	balasubramnian	balasubramnian	ADJ
fsr-3469	47	2	and	and	CCONJ
fsr-3469	47	3	sargent	sargent	ADJ
fsr-3469	47	4	(	(	PUNCT
fsr-3469	47	5	2020	2020	NUM
fsr-3469	47	6	)	)	PUNCT
fsr-3469	47	7	found	find	VERB
fsr-3469	47	8	that	that	SCONJ
fsr-3469	47	9	discrepancies	discrepancy	NOUN
fsr-3469	47	10	between	between	ADP
fsr-3469	47	11	perceived	perceive	VERB
fsr-3469	47	12	and	and	CCONJ
fsr-3469	47	13	objective	objective	ADJ
fsr-3469	47	14	financial	financial	ADJ
fsr-3469	47	15	literacy	literacy	NOUN
fsr-3469	47	16	lead	lead	NOUN
fsr-3469	47	17	to	to	ADP
fsr-3469	47	18	weaker	weak	ADJ
fsr-3469	47	19	financial	financial	ADJ
fsr-3469	47	20	decisions	decision	NOUN
fsr-3469	47	21	.	.	PUNCT
fsr-3469	48	1	they	they	PRON
fsr-3469	48	2	conclude	conclude	VERB
fsr-3469	48	3	that	that	SCONJ
fsr-3469	48	4	the	the	DET
fsr-3469	48	5	gap	gap	NOUN
fsr-3469	48	6	between	between	ADP
fsr-3469	48	7	the	the	DET
fsr-3469	48	8	two	two	NUM
fsr-3469	48	9	is	be	AUX
fsr-3469	48	10	of	of	ADP
fsr-3469	48	11	great	great	ADJ
fsr-3469	48	12	importance	importance	NOUN
fsr-3469	48	13	when	when	SCONJ
fsr-3469	48	14	investigating	investigate	VERB
fsr-3469	48	15	consumer	consumer	NOUN
fsr-3469	48	16	financial	financial	ADJ
fsr-3469	48	17	behavior	behavior	NOUN
fsr-3469	48	18	.	.	PUNCT
fsr-3469	49	1	in	in	ADP
fsr-3469	49	2	addition	addition	NOUN
fsr-3469	49	3	,	,	PUNCT
fsr-3469	49	4	perceived	perceive	VERB
fsr-3469	49	5	financial	financial	ADJ
fsr-3469	49	6	literacy	literacy	NOUN
fsr-3469	49	7	can	can	AUX
fsr-3469	49	8	be	be	AUX
fsr-3469	49	9	as	as	ADP
fsr-3469	49	10	or	or	CCONJ
fsr-3469	49	11	more	more	ADV
fsr-3469	49	12	important	important	ADJ
fsr-3469	49	13	than	than	ADP
fsr-3469	49	14	actual	actual	ADJ
fsr-3469	49	15	financial	financial	ADJ
fsr-3469	49	16	literacy	literacy	NOUN
fsr-3469	49	17	in	in	ADP
fsr-3469	49	18	influencing	influence	VERB
fsr-3469	49	19	financial	financial	ADJ
fsr-3469	49	20	behaviors	behavior	NOUN
fsr-3469	49	21	(	(	PUNCT
fsr-3469	49	22	allgood	allgood	PROPN
fsr-3469	49	23	&	&	CCONJ
fsr-3469	49	24	walstad	walstad	PROPN
fsr-3469	49	25	,	,	PUNCT
fsr-3469	49	26	2016	2016	NUM
fsr-3469	49	27	)	)	PUNCT
fsr-3469	49	28	.	.	PUNCT
fsr-3469	50	1	unfortunately	unfortunately	ADV
fsr-3469	50	2	,	,	PUNCT
fsr-3469	50	3	this	this	DET
fsr-3469	50	4	overestimation	overestimation	NOUN
fsr-3469	50	5	gap	gap	NOUN
fsr-3469	50	6	is	be	AUX
fsr-3469	50	7	frequently	frequently	ADV
fsr-3469	50	8	observed	observe	VERB
fsr-3469	50	9	in	in	ADP
fsr-3469	50	10	individuals	individual	NOUN
fsr-3469	50	11	scoring	score	VERB
fsr-3469	50	12	lowest	low	ADJ
fsr-3469	50	13	on	on	ADP
fsr-3469	50	14	numeracy	numeracy	NOUN
fsr-3469	50	15	tasks	task	NOUN
fsr-3469	50	16	.	.	PUNCT
fsr-3469	51	1	kruger	kruger	PROPN
fsr-3469	51	2	and	and	CCONJ
fsr-3469	51	3	dunning	dun	VERB
fsr-3469	51	4	(	(	PUNCT
fsr-3469	51	5	1999	1999	NUM
fsr-3469	51	6	)	)	PUNCT
fsr-3469	51	7	observe	observe	VERB
fsr-3469	51	8	that	that	SCONJ
fsr-3469	51	9	this	this	PRON
fsr-3469	51	10	occurs	occur	VERB
fsr-3469	51	11	due	due	ADJ
fsr-3469	51	12	to	to	ADP
fsr-3469	51	13	the	the	DET
fsr-3469	51	14	double	double	ADJ
fsr-3469	51	15	burden	burden	NOUN
fsr-3469	51	16	of	of	ADP
fsr-3469	51	17	lacking	lack	VERB
fsr-3469	51	18	the	the	DET
fsr-3469	51	19	general	general	ADJ
fsr-3469	51	20	capacity	capacity	NOUN
fsr-3469	51	21	to	to	PART
fsr-3469	51	22	make	make	VERB
fsr-3469	51	23	sound	sound	ADJ
fsr-3469	51	24	choices	choice	NOUN
fsr-3469	51	25	and	and	CCONJ
fsr-3469	51	26	that	that	SCONJ
fsr-3469	51	27	this	this	DET
fsr-3469	51	28	incompetence	incompetence	NOUN
fsr-3469	51	29	hinders	hinder	VERB
fsr-3469	51	30	the	the	DET
fsr-3469	51	31	metacognitive	metacognitive	ADJ
fsr-3469	51	32	ability	ability	NOUN
fsr-3469	51	33	to	to	PART
fsr-3469	51	34	realize	realize	VERB
fsr-3469	51	35	it	it	PRON
fsr-3469	51	36	.	.	PUNCT
fsr-3469	52	1	this	this	DET
fsr-3469	52	2	construct	construct	NOUN
fsr-3469	52	3	is	be	AUX
fsr-3469	52	4	widely	widely	ADV
fsr-3469	52	5	recognized	recognize	VERB
fsr-3469	52	6	as	as	ADP
fsr-3469	52	7	the	the	DET
fsr-3469	52	8	dunning	dun	VERB
fsr-3469	52	9	-	-	PUNCT
fsr-3469	52	10	kruger	kruger	NOUN
fsr-3469	52	11	effect	effect	NOUN
fsr-3469	52	12	.	.	PUNCT
fsr-3469	53	1	while	while	SCONJ
fsr-3469	53	2	a	a	DET
fsr-3469	53	3	meta	meta	NOUN
fsr-3469	53	4	-	-	PUNCT
fsr-3469	53	5	analysis	analysis	NOUN
fsr-3469	53	6	of	of	ADP
fsr-3469	53	7	over	over	ADP
fsr-3469	53	8	201	201	NUM
fsr-3469	53	9	studies	study	NOUN
fsr-3469	53	10	indicated	indicate	VERB
fsr-3469	53	11	that	that	SCONJ
fsr-3469	53	12	increasing	increase	VERB
fsr-3469	53	13	financial	financial	ADJ
fsr-3469	53	14	knowledge	knowledge	NOUN
fsr-3469	53	15	has	have	VERB
fsr-3469	53	16	little	little	ADJ
fsr-3469	53	17	impact	impact	NOUN
fsr-3469	53	18	on	on	ADP
fsr-3469	53	19	financial	financial	ADJ
fsr-3469	53	20	behaviors	behavior	NOUN
fsr-3469	53	21	(	(	PUNCT
fsr-3469	53	22	fernandes	fernandes	PROPN
fsr-3469	53	23	,	,	PUNCT
fsr-3469	53	24	lynch	lynch	PROPN
fsr-3469	53	25	,	,	PUNCT
fsr-3469	53	26	&	&	CCONJ
fsr-3469	53	27	netemeyer	netemeyer	PROPN
fsr-3469	53	28	,	,	PUNCT
fsr-3469	53	29	2014	2014	NUM
fsr-3469	53	30	)	)	PUNCT
fsr-3469	53	31	,	,	PUNCT
fsr-3469	53	32	kruger	kruger	PROPN
fsr-3469	53	33	and	and	CCONJ
fsr-3469	53	34	dunning	dun	VERB
fsr-3469	53	35	(	(	PUNCT
fsr-3469	53	36	1999	1999	NUM
fsr-3469	53	37	)	)	PUNCT
fsr-3469	53	38	found	find	VERB
fsr-3469	53	39	that	that	SCONJ
fsr-3469	53	40	addressing	address	VERB
fsr-3469	53	41	these	these	DET
fsr-3469	53	42	blind	blind	ADJ
fsr-3469	53	43	spots	spot	NOUN
fsr-3469	53	44	(	(	PUNCT
fsr-3469	53	45	overestimation	overestimation	NOUN
fsr-3469	53	46	gap	gap	NOUN
fsr-3469	53	47	)	)	PUNCT
fsr-3469	53	48	by	by	ADP
fsr-3469	53	49	improving	improve	VERB
fsr-3469	53	50	individual	individual	ADJ
fsr-3469	53	51	skills	skill	NOUN
fsr-3469	53	52	helped	help	VERB
fsr-3469	53	53	participants	participant	NOUN
fsr-3469	53	54	recognize	recognize	VERB
fsr-3469	53	55	their	their	PRON
fsr-3469	53	56	shortcomings	shortcoming	NOUN
fsr-3469	53	57	more	more	ADV
fsr-3469	53	58	effectively	effectively	ADV
fsr-3469	53	59	.	.	PUNCT
fsr-3469	54	1	self	self	NOUN
fsr-3469	54	2	-	-	PUNCT
fsr-3469	54	3	efficacy	efficacy	NOUN
fsr-3469	54	4	is	be	AUX
fsr-3469	54	5	a	a	DET
fsr-3469	54	6	psychological	psychological	ADJ
fsr-3469	54	7	construct	construct	NOUN
fsr-3469	54	8	espoused	espouse	VERB
fsr-3469	54	9	by	by	ADP
fsr-3469	54	10	bandura	bandura	NOUN
fsr-3469	54	11	’s	’s	PART
fsr-3469	54	12	social	social	ADJ
fsr-3469	54	13	cognitive	cognitive	ADJ
fsr-3469	54	14	theory	theory	NOUN
fsr-3469	54	15	(	(	PUNCT
fsr-3469	54	16	bandura	bandura	NOUN
fsr-3469	54	17	,	,	PUNCT
fsr-3469	54	18	1977	1977	NUM
fsr-3469	54	19	)	)	PUNCT
fsr-3469	54	20	.	.	PUNCT
fsr-3469	55	1	it	it	PRON
fsr-3469	55	2	is	be	AUX
fsr-3469	55	3	the	the	DET
fsr-3469	55	4	conviction	conviction	NOUN
fsr-3469	55	5	of	of	ADP
fsr-3469	55	6	how	how	SCONJ
fsr-3469	55	7	well	well	ADV
fsr-3469	55	8	one	one	NOUN
fsr-3469	55	9	can	can	AUX
fsr-3469	55	10	successfully	successfully	ADV
fsr-3469	55	11	execute	execute	VERB
fsr-3469	55	12	a	a	DET
fsr-3469	55	13	specific	specific	ADJ
fsr-3469	55	14	course	course	NOUN
fsr-3469	55	15	of	of	ADP
fsr-3469	55	16	action	action	NOUN
fsr-3469	55	17	.	.	PUNCT
fsr-3469	56	1	it	it	PRON
fsr-3469	56	2	differs	differ	VERB
fsr-3469	56	3	from	from	ADP
fsr-3469	56	4	general	general	ADJ
fsr-3469	56	5	confidence	confidence	NOUN
fsr-3469	56	6	because	because	SCONJ
fsr-3469	56	7	it	it	PRON
fsr-3469	56	8	represents	represent	VERB
fsr-3469	56	9	an	an	DET
fsr-3469	56	10	individual	individual	NOUN
fsr-3469	56	11	’s	’s	PART
fsr-3469	56	12	perception	perception	NOUN
fsr-3469	56	13	of	of	ADP
fsr-3469	56	14	competently	competently	ADV
fsr-3469	56	15	achieving	achieve	VERB
fsr-3469	56	16	more	more	ADV
fsr-3469	56	17	localized	localized	ADJ
fsr-3469	56	18	tasks	task	NOUN
fsr-3469	56	19	.	.	PUNCT
fsr-3469	57	1	hence	hence	ADV
fsr-3469	57	2	,	,	PUNCT
fsr-3469	57	3	a	a	DET
fsr-3469	57	4	high	high	ADJ
fsr-3469	57	5	degree	degree	NOUN
fsr-3469	57	6	of	of	ADP
fsr-3469	57	7	self	self	NOUN
fsr-3469	57	8	-	-	PUNCT
fsr-3469	57	9	efficacy	efficacy	NOUN
fsr-3469	57	10	in	in	ADP
fsr-3469	57	11	one	one	NUM
fsr-3469	57	12	domain	domain	NOUN
fsr-3469	57	13	does	do	AUX
fsr-3469	57	14	not	not	PART
fsr-3469	57	15	imply	imply	VERB
fsr-3469	57	16	a	a	DET
fsr-3469	57	17	high	high	ADJ
fsr-3469	57	18	degree	degree	NOUN
fsr-3469	57	19	in	in	ADP
fsr-3469	57	20	another	another	DET
fsr-3469	57	21	area	area	NOUN
fsr-3469	57	22	.	.	PUNCT
fsr-3469	58	1	due	due	ADP
fsr-3469	58	2	to	to	ADP
fsr-3469	58	3	this	this	DET
fsr-3469	58	4	domain	domain	NOUN
fsr-3469	58	5	specificity	specificity	NOUN
fsr-3469	58	6	,	,	PUNCT
fsr-3469	58	7	it	it	PRON
fsr-3469	58	8	is	be	AUX
fsr-3469	58	9	important	important	ADJ
fsr-3469	58	10	to	to	PART
fsr-3469	58	11	measure	measure	VERB
fsr-3469	58	12	self	self	NOUN
fsr-3469	58	13	-	-	PUNCT
fsr-3469	58	14	efficacy	efficacy	NOUN
fsr-3469	58	15	in	in	ADP
fsr-3469	58	16	the	the	DET
fsr-3469	58	17	field	field	NOUN
fsr-3469	58	18	of	of	ADP
fsr-3469	58	19	study	study	NOUN
fsr-3469	58	20	(	(	PUNCT
fsr-3469	58	21	bandura	bandura	NOUN
fsr-3469	58	22	,	,	PUNCT
fsr-3469	58	23	1997	1997	NUM
fsr-3469	58	24	)	)	PUNCT
fsr-3469	58	25	.	.	PUNCT
fsr-3469	59	1	lown	lown	PROPN
fsr-3469	59	2	(	(	PUNCT
fsr-3469	59	3	2011	2011	NUM
fsr-3469	59	4	)	)	PUNCT
fsr-3469	59	5	created	create	VERB
fsr-3469	59	6	a	a	DET
fsr-3469	59	7	general	general	ADJ
fsr-3469	59	8	financial	financial	ADJ
fsr-3469	59	9	self	self	NOUN
fsr-3469	59	10	-	-	PUNCT
fsr-3469	59	11	efficacy	efficacy	NOUN
fsr-3469	59	12	scale	scale	NOUN
fsr-3469	59	13	to	to	PART
fsr-3469	59	14	measure	measure	VERB
fsr-3469	59	15	the	the	DET
fsr-3469	59	16	behavioral	behavioral	ADJ
fsr-3469	59	17	aspects	aspect	NOUN
fsr-3469	59	18	of	of	ADP
fsr-3469	59	19	personal	personal	ADJ
fsr-3469	59	20	financial	financial	ADJ
fsr-3469	59	21	management	management	NOUN
fsr-3469	59	22	.	.	PUNCT
fsr-3469	60	1	the	the	DET
fsr-3469	60	2	scale	scale	NOUN
fsr-3469	60	3	was	be	AUX
fsr-3469	60	4	positively	positively	ADV
fsr-3469	60	5	associated	associate	VERB
fsr-3469	60	6	with	with	ADP
fsr-3469	60	7	a	a	DET
fsr-3469	60	8	high	high	ADJ
fsr-3469	60	9	level	level	NOUN
fsr-3469	60	10	of	of	ADP
fsr-3469	60	11	confidence	confidence	NOUN
fsr-3469	60	12	to	to	PART
fsr-3469	60	13	manage	manage	VERB
fsr-3469	60	14	money	money	NOUN
fsr-3469	60	15	.	.	PUNCT
fsr-3469	61	1	asebedo	asebedo	PROPN
fsr-3469	61	2	and	and	CCONJ
fsr-3469	61	3	seay	seay	PROPN
fsr-3469	61	4	(	(	PUNCT
fsr-3469	61	5	2018	2018	NUM
fsr-3469	61	6	)	)	PUNCT
fsr-3469	61	7	observed	observe	VERB
fsr-3469	61	8	financial	financial	ADJ
fsr-3469	61	9	self	self	NOUN
fsr-3469	61	10	-	-	PUNCT
fsr-3469	61	11	efficacy	efficacy	NOUN
fsr-3469	61	12	to	to	PART
fsr-3469	61	13	be	be	AUX
fsr-3469	61	14	positively	positively	ADV
fsr-3469	61	15	related	relate	VERB
fsr-3469	61	16	to	to	ADP
fsr-3469	61	17	savings	saving	NOUN
fsr-3469	61	18	behavior	behavior	NOUN
fsr-3469	61	19	after	after	ADP
fsr-3469	61	20	accounting	account	VERB
fsr-3469	61	21	for	for	ADP
fsr-3469	61	22	various	various	ADJ
fsr-3469	61	23	demographic	demographic	ADJ
fsr-3469	61	24	variables	variable	NOUN
fsr-3469	61	25	.	.	PUNCT
fsr-3469	62	1	in	in	ADP
fsr-3469	62	2	addition	addition	NOUN
fsr-3469	62	3	,	,	PUNCT
fsr-3469	62	4	asebedo	asebedo	PROPN
fsr-3469	62	5	and	and	CCONJ
fsr-3469	62	6	browning	browning	NOUN
fsr-3469	62	7	(	(	PUNCT
fsr-3469	62	8	2020	2020	NUM
fsr-3469	62	9	)	)	PUNCT
fsr-3469	62	10	found	find	VERB
fsr-3469	62	11	portfolio	portfolio	NOUN
fsr-3469	62	12	withdrawal	withdrawal	NOUN
fsr-3469	62	13	rates	rate	NOUN
fsr-3469	62	14	to	to	PART
fsr-3469	62	15	be	be	AUX
fsr-3469	62	16	associated	associate	VERB
fsr-3469	62	17	with	with	ADP
fsr-3469	62	18	financial	financial	ADJ
fsr-3469	62	19	self	self	NOUN
fsr-3469	62	20	-	-	PUNCT
fsr-3469	62	21	efficacy	efficacy	NOUN
fsr-3469	62	22	.	.	PUNCT
fsr-3469	63	1	overall	overall	ADJ
fsr-3469	63	2	,	,	PUNCT
fsr-3469	63	3	financial	financial	ADJ
fsr-3469	63	4	self	self	NOUN
fsr-3469	63	5	-	-	PUNCT
fsr-3469	63	6	efficacy	efficacy	NOUN
fsr-3469	63	7	is	be	AUX
fsr-3469	63	8	an	an	DET
fsr-3469	63	9	important	important	ADJ
fsr-3469	63	10	construct	construct	NOUN
fsr-3469	63	11	in	in	ADP
fsr-3469	63	12	helping	helping	AUX
fsr-3469	63	13	promote	promote	VERB
fsr-3469	63	14	effective	effective	ADJ
fsr-3469	63	15	retirement	retirement	NOUN
fsr-3469	63	16	income	income	NOUN
fsr-3469	63	17	planning	planning	NOUN
fsr-3469	63	18	behaviors	behavior	NOUN
fsr-3469	63	19	.	.	PUNCT
fsr-3469	64	1	many	many	ADJ
fsr-3469	64	2	studies	study	NOUN
fsr-3469	64	3	try	try	VERB
fsr-3469	64	4	to	to	PART
fsr-3469	64	5	identify	identify	VERB
fsr-3469	64	6	the	the	DET
fsr-3469	64	7	additive	additive	ADJ
fsr-3469	64	8	benefits	benefit	NOUN
fsr-3469	64	9	that	that	PRON
fsr-3469	64	10	a	a	DET
fsr-3469	64	11	financial	financial	ADJ
fsr-3469	64	12	professional	professional	NOUN
fsr-3469	64	13	provides	provide	VERB
fsr-3469	64	14	to	to	ADP
fsr-3469	64	15	one	one	NUM
fsr-3469	64	16	’s	’s	PART
fsr-3469	64	17	overall	overall	ADJ
fsr-3469	64	18	investment	investment	NOUN
fsr-3469	64	19	return	return	NOUN
fsr-3469	64	20	.	.	PUNCT
fsr-3469	65	1	blanchett	blanchett	PROPN
fsr-3469	65	2	and	and	CCONJ
fsr-3469	65	3	kaplan	kaplan	PROPN
fsr-3469	65	4	(	(	PUNCT
fsr-3469	65	5	2013	2013	NUM
fsr-3469	65	6	)	)	PUNCT
fsr-3469	65	7	quantify	quantify	VERB
fsr-3469	65	8	how	how	SCONJ
fsr-3469	65	9	advisors	advisor	NOUN
fsr-3469	65	10	have	have	AUX
fsr-3469	65	11	positively	positively	ADV
fsr-3469	65	12	impacted	impact	VERB
fsr-3469	65	13	retirement	retirement	NOUN
fsr-3469	65	14	income	income	NOUN
fsr-3469	65	15	decisions	decision	NOUN
fsr-3469	65	16	via	via	ADP
fsr-3469	65	17	improved	improve	VERB
fsr-3469	65	18	financial	financial	ADJ
fsr-3469	65	19	planning	planning	NOUN
fsr-3469	65	20	decisions	decision	NOUN
fsr-3469	65	21	.	.	PUNCT
fsr-3469	66	1	vanguard	vanguard	PROPN
fsr-3469	66	2	has	have	AUX
fsr-3469	66	3	also	also	ADV
fsr-3469	66	4	identified	identify	VERB
fsr-3469	66	5	various	various	ADJ
fsr-3469	66	6	value	value	NOUN
fsr-3469	66	7	-	-	PUNCT
fsr-3469	66	8	added	add	VERB
fsr-3469	66	9	factors	factor	NOUN
fsr-3469	66	10	that	that	PRON
fsr-3469	66	11	an	an	DET
fsr-3469	66	12	advisor	advisor	NOUN
fsr-3469	66	13	can	can	AUX
fsr-3469	66	14	potentially	potentially	ADV
fsr-3469	66	15	a.	a.	PROPN
fsr-3469	66	16	murgua	murgua	PROPN
fsr-3469	66	17	and	and	CCONJ
fsr-3469	66	18	w.	w.	PROPN
fsr-3469	66	19	pfau	pfau	PROPN
fsr-3469	66	20	/	/	SYM
fsr-3469	66	21	financial	financial	ADJ
fsr-3469	66	22	services	service	NOUN
fsr-3469	66	23	review	review	VERB
fsr-3469	66	24	30	30	NUM
fsr-3469	66	25	(	(	PUNCT
fsr-3469	66	26	2022	2022	NUM
fsr-3469	66	27	)	)	PUNCT
fsr-3469	66	28	1–29	1–29	PROPN
fsr-3469	66	29	3	3	NUM
fsr-3469	66	30	provide	provide	VERB
fsr-3469	66	31	to	to	PART
fsr-3469	66	32	improve	improve	VERB
fsr-3469	66	33	an	an	DET
fsr-3469	66	34	individual	individual	NOUN
fsr-3469	66	35	’s	’s	PART
fsr-3469	66	36	financial	financial	ADJ
fsr-3469	66	37	standing	standing	NOUN
fsr-3469	66	38	(	(	PUNCT
fsr-3469	66	39	kinniry	kinniry	NOUN
fsr-3469	66	40	et	et	PROPN
fsr-3469	66	41	al	al	PROPN
fsr-3469	66	42	.	.	PROPN
fsr-3469	66	43	,	,	PUNCT
fsr-3469	66	44	2015	2015	NUM
fsr-3469	66	45	)	)	PUNCT
fsr-3469	66	46	.	.	PUNCT
fsr-3469	67	1	while	while	SCONJ
fsr-3469	67	2	these	these	DET
fsr-3469	67	3	studies	study	NOUN
fsr-3469	67	4	identify	identify	VERB
fsr-3469	67	5	the	the	DET
fsr-3469	67	6	benefits	benefit	NOUN
fsr-3469	67	7	of	of	ADP
fsr-3469	67	8	an	an	DET
fsr-3469	67	9	advisory	advisory	ADJ
fsr-3469	67	10	relationship	relationship	NOUN
fsr-3469	67	11	,	,	PUNCT
fsr-3469	67	12	a	a	DET
fsr-3469	67	13	lack	lack	NOUN
fsr-3469	67	14	of	of	ADP
fsr-3469	67	15	fee	fee	NOUN
fsr-3469	67	16	transparency	transparency	NOUN
fsr-3469	67	17	and	and	CCONJ
fsr-3469	67	18	general	general	ADJ
fsr-3469	67	19	mistrust	mistrust	NOUN
fsr-3469	67	20	may	may	AUX
fsr-3469	67	21	lead	lead	VERB
fsr-3469	67	22	to	to	ADP
fsr-3469	67	23	an	an	DET
fsr-3469	67	24	underutilization	underutilization	NOUN
fsr-3469	67	25	of	of	ADP
fsr-3469	67	26	financial	financial	ADJ
fsr-3469	67	27	professionals	professional	NOUN
fsr-3469	67	28	.	.	PUNCT
fsr-3469	68	1	while	while	SCONJ
fsr-3469	68	2	there	there	PRON
fsr-3469	68	3	is	be	VERB
fsr-3469	68	4	a	a	DET
fsr-3469	68	5	lack	lack	NOUN
fsr-3469	68	6	of	of	ADP
fsr-3469	68	7	availability	availability	NOUN
fsr-3469	68	8	for	for	ADP
fsr-3469	68	9	financial	financial	ADJ
fsr-3469	68	10	advice	advice	NOUN
fsr-3469	68	11	across	across	ADP
fsr-3469	68	12	the	the	DET
fsr-3469	68	13	general	general	ADJ
fsr-3469	68	14	population	population	NOUN
fsr-3469	68	15	,	,	PUNCT
fsr-3469	68	16	among	among	ADP
fsr-3469	68	17	those	those	PRON
fsr-3469	68	18	who	who	PRON
fsr-3469	68	19	have	have	VERB
fsr-3469	68	20	access	access	NOUN
fsr-3469	68	21	to	to	ADP
fsr-3469	68	22	advice	advice	NOUN
fsr-3469	68	23	,	,	PUNCT
fsr-3469	68	24	there	there	PRON
fsr-3469	68	25	potentially	potentially	ADV
fsr-3469	68	26	remains	remain	VERB
fsr-3469	68	27	skepticism	skepticism	NOUN
fsr-3469	68	28	about	about	ADP
fsr-3469	68	29	an	an	DET
fsr-3469	68	30	advisor	advisor	NOUN
fsr-3469	68	31	’s	’s	PART
fsr-3469	68	32	overall	overall	ADJ
fsr-3469	68	33	value	value	NOUN
fsr-3469	68	34	.	.	PUNCT
fsr-3469	69	1	therefore	therefore	ADV
fsr-3469	69	2	,	,	PUNCT
fsr-3469	69	3	assessing	assess	VERB
fsr-3469	69	4	one	one	NUM
fsr-3469	69	5	’s	’s	PART
fsr-3469	69	6	belief	belief	NOUN
fsr-3469	69	7	about	about	ADP
fsr-3469	69	8	the	the	DET
fsr-3469	69	9	cost	cost	NOUN
fsr-3469	69	10	effectiveness	effectiveness	NOUN
fsr-3469	69	11	of	of	ADP
fsr-3469	69	12	a	a	DET
fsr-3469	69	13	financial	financial	ADJ
fsr-3469	69	14	advisor	advisor	NOUN
fsr-3469	69	15	may	may	AUX
fsr-3469	69	16	indicate	indicate	VERB
fsr-3469	69	17	who	who	PRON
fsr-3469	69	18	is	be	AUX
fsr-3469	69	19	most	most	ADV
fsr-3469	69	20	likely	likely	ADJ
fsr-3469	69	21	to	to	PART
fsr-3469	69	22	use	use	VERB
fsr-3469	69	23	one	one	NUM
fsr-3469	69	24	.	.	PUNCT
fsr-3469	70	1	the	the	DET
fsr-3469	70	2	five	five	NUM
fsr-3469	70	3	-	-	PUNCT
fsr-3469	70	4	stage	stage	NOUN
fsr-3469	70	5	model	model	NOUN
fsr-3469	70	6	for	for	ADP
fsr-3469	70	7	advice	advice	NOUN
fsr-3469	70	8	seeking	seek	VERB
fsr-3469	70	9	behavior	behavior	NOUN
fsr-3469	70	10	posited	posit	VERB
fsr-3469	70	11	by	by	ADP
fsr-3469	70	12	grable	grable	PROPN
fsr-3469	70	13	and	and	CCONJ
fsr-3469	70	14	joo	joo	PROPN
fsr-3469	70	15	(	(	PUNCT
fsr-3469	70	16	1999	1999	NUM
fsr-3469	70	17	)	)	PUNCT
fsr-3469	70	18	theorizes	theorize	VERB
fsr-3469	70	19	that	that	SCONJ
fsr-3469	70	20	individuals	individual	NOUN
fsr-3469	70	21	assess	assess	VERB
fsr-3469	70	22	the	the	DET
fsr-3469	70	23	benefits	benefit	NOUN
fsr-3469	70	24	and	and	CCONJ
fsr-3469	70	25	cost	cost	NOUN
fsr-3469	70	26	of	of	ADP
fsr-3469	70	27	engaging	engage	VERB
fsr-3469	70	28	in	in	ADP
fsr-3469	70	29	a	a	DET
fsr-3469	70	30	range	range	NOUN
fsr-3469	70	31	of	of	ADP
fsr-3469	70	32	retirement	retirement	NOUN
fsr-3469	70	33	planning	planning	NOUN
fsr-3469	70	34	activities	activity	NOUN
fsr-3469	70	35	(	(	PUNCT
fsr-3469	70	36	marsden	marsden	PROPN
fsr-3469	70	37	,	,	PUNCT
fsr-3469	70	38	zick	zick	PROPN
fsr-3469	70	39	,	,	PUNCT
fsr-3469	70	40	&	&	CCONJ
fsr-3469	70	41	mayer	mayer	PROPN
fsr-3469	70	42	,	,	PUNCT
fsr-3469	70	43	2011	2011	NUM
fsr-3469	70	44	)	)	PUNCT
fsr-3469	70	45	.	.	PUNCT
fsr-3469	71	1	with	with	ADP
fsr-3469	71	2	the	the	DET
fsr-3469	71	3	increasing	increase	VERB
fsr-3469	71	4	popularity	popularity	NOUN
fsr-3469	71	5	of	of	ADP
fsr-3469	71	6	various	various	ADJ
fsr-3469	71	7	self	self	NOUN
fsr-3469	71	8	-	-	PUNCT
fsr-3469	71	9	directed	direct	VERB
fsr-3469	71	10	methods	method	NOUN
fsr-3469	71	11	and	and	CCONJ
fsr-3469	71	12	business	business	NOUN
fsr-3469	71	13	models	model	NOUN
fsr-3469	71	14	to	to	PART
fsr-3469	71	15	implement	implement	VERB
fsr-3469	71	16	a	a	DET
fsr-3469	71	17	retirement	retirement	NOUN
fsr-3469	71	18	income	income	NOUN
fsr-3469	71	19	plan	plan	NOUN
fsr-3469	71	20	,	,	PUNCT
fsr-3469	71	21	such	such	ADJ
fsr-3469	71	22	as	as	ADP
fsr-3469	71	23	automated	automate	VERB
fsr-3469	71	24	investment	investment	NOUN
fsr-3469	71	25	strategies	strategy	NOUN
fsr-3469	71	26	and	and	CCONJ
fsr-3469	71	27	hourly	hourly	ADJ
fsr-3469	71	28	financial	financial	ADJ
fsr-3469	71	29	planners	planner	NOUN
fsr-3469	71	30	,	,	PUNCT
fsr-3469	71	31	matching	match	VERB
fsr-3469	71	32	one	one	NUM
fsr-3469	71	33	’s	’s	PART
fsr-3469	71	34	financial	financial	ADJ
fsr-3469	71	35	implementation	implementation	NOUN
fsr-3469	71	36	approach	approach	NOUN
fsr-3469	71	37	(	(	PUNCT
fsr-3469	71	38	using	use	VERB
fsr-3469	71	39	or	or	CCONJ
fsr-3469	71	40	not	not	PART
fsr-3469	71	41	using	use	VERB
fsr-3469	71	42	a	a	DET
fsr-3469	71	43	financial	financial	ADJ
fsr-3469	71	44	advisor	advisor	NOUN
fsr-3469	71	45	)	)	PUNCT
fsr-3469	71	46	to	to	ADP
fsr-3469	71	47	appropriate	appropriate	ADJ
fsr-3469	71	48	methods	method	NOUN
fsr-3469	71	49	can	can	AUX
fsr-3469	71	50	positively	positively	ADV
fsr-3469	71	51	influence	influence	VERB
fsr-3469	71	52	retirement	retirement	NOUN
fsr-3469	71	53	outcomes	outcome	NOUN
fsr-3469	71	54	.	.	PUNCT
fsr-3469	72	1	3	3	X
fsr-3469	72	2	.	.	X
fsr-3469	72	3	method	method	VERB
fsr-3469	72	4	the	the	DET
fsr-3469	72	5	methodology	methodology	NOUN
fsr-3469	72	6	includes	include	VERB
fsr-3469	72	7	several	several	ADJ
fsr-3469	72	8	steps	step	NOUN
fsr-3469	72	9	.	.	PUNCT
fsr-3469	73	1	first	first	ADV
fsr-3469	73	2	,	,	PUNCT
fsr-3469	73	3	we	we	PRON
fsr-3469	73	4	discuss	discuss	VERB
fsr-3469	73	5	scale	scale	NOUN
fsr-3469	73	6	construction	construction	NOUN
fsr-3469	73	7	.	.	PUNCT
fsr-3469	74	1	we	we	PRON
fsr-3469	74	2	utilize	utilize	VERB
fsr-3469	74	3	exploratory	exploratory	ADJ
fsr-3469	74	4	factor	factor	NOUN
fsr-3469	74	5	analysis	analysis	NOUN
fsr-3469	74	6	with	with	ADP
fsr-3469	74	7	a	a	DET
fsr-3469	74	8	varimax	varimax	ADJ
fsr-3469	74	9	rotation	rotation	NOUN
fsr-3469	74	10	across	across	ADP
fsr-3469	74	11	the	the	DET
fsr-3469	74	12	four	four	NUM
fsr-3469	74	13	scales	scale	NOUN
fsr-3469	74	14	to	to	PART
fsr-3469	74	15	assess	assess	VERB
fsr-3469	74	16	if	if	SCONJ
fsr-3469	74	17	they	they	PRON
fsr-3469	74	18	present	present	VERB
fsr-3469	74	19	as	as	ADP
fsr-3469	74	20	valid	valid	ADJ
fsr-3469	74	21	and	and	CCONJ
fsr-3469	74	22	meaningful	meaningful	ADJ
fsr-3469	74	23	constructs	construct	NOUN
fsr-3469	74	24	.	.	PUNCT
fsr-3469	75	1	cronbach	cronbach	PROPN
fsr-3469	75	2	’s	’	VERB
fsr-3469	75	3	a	a	DET
fsr-3469	75	4	further	further	ADJ
fsr-3469	75	5	analyzes	analyze	NOUN
fsr-3469	75	6	internal	internal	ADJ
fsr-3469	75	7	reliability	reliability	NOUN
fsr-3469	75	8	and	and	CCONJ
fsr-3469	75	9	helps	help	VERB
fsr-3469	75	10	determine	determine	VERB
fsr-3469	75	11	the	the	DET
fsr-3469	75	12	final	final	ADJ
fsr-3469	75	13	question	question	NOUN
fsr-3469	75	14	set	set	VERB
fsr-3469	75	15	for	for	ADP
fsr-3469	75	16	each	each	DET
fsr-3469	75	17	scale	scale	NOUN
fsr-3469	75	18	.	.	PUNCT
fsr-3469	76	1	additionally	additionally	ADV
fsr-3469	76	2	,	,	PUNCT
fsr-3469	76	3	the	the	DET
fsr-3469	76	4	pearson	pearson	PROPN
fsr-3469	76	5	correlation	correlation	NOUN
fsr-3469	76	6	coefficient	coefficient	NOUN
fsr-3469	76	7	reviews	review	NOUN
fsr-3469	76	8	retest	retest	VERB
fsr-3469	76	9	reliability	reliability	NOUN
fsr-3469	76	10	among	among	ADP
fsr-3469	76	11	the	the	DET
fsr-3469	76	12	scales	scale	NOUN
fsr-3469	76	13	.	.	PUNCT
fsr-3469	77	1	these	these	DET
fsr-3469	77	2	steps	step	NOUN
fsr-3469	77	3	indicate	indicate	VERB
fsr-3469	77	4	the	the	DET
fsr-3469	77	5	degree	degree	NOUN
fsr-3469	77	6	of	of	ADP
fsr-3469	77	7	content	content	NOUN
fsr-3469	77	8	and	and	CCONJ
fsr-3469	77	9	construct	construct	VERB
fsr-3469	77	10	validity	validity	NOUN
fsr-3469	77	11	for	for	ADP
fsr-3469	77	12	the	the	DET
fsr-3469	77	13	scales	scale	NOUN
fsr-3469	77	14	(	(	PUNCT
fsr-3469	77	15	devellis	develli	NOUN
fsr-3469	77	16	,	,	PUNCT
fsr-3469	77	17	2017	2017	NUM
fsr-3469	77	18	)	)	PUNCT
fsr-3469	77	19	.	.	PUNCT
fsr-3469	78	1	for	for	ADP
fsr-3469	78	2	the	the	DET
fsr-3469	78	3	second	second	ADJ
fsr-3469	78	4	part	part	NOUN
fsr-3469	78	5	of	of	ADP
fsr-3469	78	6	this	this	DET
fsr-3469	78	7	investigation	investigation	NOUN
fsr-3469	78	8	,	,	PUNCT
fsr-3469	78	9	we	we	PRON
fsr-3469	78	10	examine	examine	VERB
fsr-3469	78	11	bivariate	bivariate	ADJ
fsr-3469	78	12	correlations	correlation	NOUN
fsr-3469	78	13	between	between	ADP
fsr-3469	78	14	the	the	DET
fsr-3469	78	15	scales	scale	NOUN
fsr-3469	78	16	to	to	PART
fsr-3469	78	17	further	far	ADV
fsr-3469	78	18	assess	assess	VERB
fsr-3469	78	19	construct	construct	VERB
fsr-3469	78	20	validity	validity	NOUN
fsr-3469	78	21	and	and	CCONJ
fsr-3469	78	22	measure	measure	NOUN
fsr-3469	78	23	criterion	criterion	NOUN
fsr-3469	78	24	validity	validity	NOUN
fsr-3469	78	25	.	.	PUNCT
fsr-3469	79	1	furthermore	furthermore	ADV
fsr-3469	79	2	,	,	PUNCT
fsr-3469	79	3	we	we	PRON
fsr-3469	79	4	assess	assess	VERB
fsr-3469	79	5	multivariate	multivariate	NOUN
fsr-3469	79	6	relationships	relationship	NOUN
fsr-3469	79	7	between	between	ADP
fsr-3469	79	8	these	these	DET
fsr-3469	79	9	constructs	construct	NOUN
fsr-3469	79	10	against	against	ADP
fsr-3469	79	11	various	various	ADJ
fsr-3469	79	12	dependent	dependent	ADJ
fsr-3469	79	13	variables	variable	NOUN
fsr-3469	79	14	that	that	PRON
fsr-3469	79	15	relate	relate	VERB
fsr-3469	79	16	to	to	ADP
fsr-3469	79	17	investment	investment	NOUN
fsr-3469	79	18	behaviors	behavior	NOUN
fsr-3469	79	19	,	,	PUNCT
fsr-3469	79	20	perceived	perceive	VERB
fsr-3469	79	21	retirement	retirement	NOUN
fsr-3469	79	22	risks	risk	NOUN
fsr-3469	79	23	,	,	PUNCT
fsr-3469	79	24	overall	overall	ADJ
fsr-3469	79	25	retirement	retirement	NOUN
fsr-3469	79	26	outlook	outlook	NOUN
fsr-3469	79	27	,	,	PUNCT
fsr-3469	79	28	and	and	CCONJ
fsr-3469	79	29	advice	advice	NOUN
fsr-3469	79	30	implementation	implementation	NOUN
fsr-3469	79	31	to	to	PART
fsr-3469	79	32	determine	determine	VERB
fsr-3469	79	33	predictive	predictive	ADJ
fsr-3469	79	34	validity	validity	NOUN
fsr-3469	79	35	(	(	PUNCT
fsr-3469	79	36	devellis	develli	NOUN
fsr-3469	79	37	,	,	PUNCT
fsr-3469	79	38	2017	2017	NUM
fsr-3469	79	39	)	)	PUNCT
fsr-3469	79	40	.	.	PUNCT
fsr-3469	80	1	this	this	DET
fsr-3469	80	2	analysis	analysis	NOUN
fsr-3469	80	3	is	be	AUX
fsr-3469	80	4	conducted	conduct	VERB
fsr-3469	80	5	using	use	VERB
fsr-3469	80	6	ordinary	ordinary	ADJ
fsr-3469	80	7	least	least	ADJ
fsr-3469	80	8	squares	square	NOUN
fsr-3469	80	9	regressions	regression	NOUN
fsr-3469	80	10	for	for	ADP
fsr-3469	80	11	continuous	continuous	ADJ
fsr-3469	80	12	dependent	dependent	ADJ
fsr-3469	80	13	variables	variable	NOUN
fsr-3469	80	14	and	and	CCONJ
fsr-3469	80	15	logistic	logistic	ADJ
fsr-3469	80	16	regression	regression	NOUN
fsr-3469	80	17	for	for	ADP
fsr-3469	80	18	binary	binary	ADJ
fsr-3469	80	19	ones	one	NOUN
fsr-3469	80	20	;	;	PUNCT
fsr-3469	80	21	all	all	DET
fsr-3469	80	22	coefficients	coefficient	NOUN
fsr-3469	80	23	in	in	ADP
fsr-3469	80	24	the	the	DET
fsr-3469	80	25	regression	regression	NOUN
fsr-3469	80	26	analyses	analysis	NOUN
fsr-3469	80	27	are	be	AUX
fsr-3469	80	28	standardized	standardize	VERB
fsr-3469	80	29	.	.	PUNCT
fsr-3469	81	1	we	we	PRON
fsr-3469	81	2	create	create	VERB
fsr-3469	81	3	a	a	DET
fsr-3469	81	4	financial	financial	ADJ
fsr-3469	81	5	implementation	implementation	NOUN
fsr-3469	81	6	matrix	matrix	NOUN
fsr-3469	81	7	centered	center	VERB
fsr-3469	81	8	on	on	ADP
fsr-3469	81	9	advisor	advisor	NOUN
fsr-3469	81	10	usefulness	usefulness	NOUN
fsr-3469	81	11	and	and	CCONJ
fsr-3469	81	12	retirement	retirement	NOUN
fsr-3469	81	13	income	income	NOUN
fsr-3469	81	14	self	self	NOUN
fsr-3469	81	15	efficacy	efficacy	NOUN
fsr-3469	81	16	scales	scale	NOUN
fsr-3469	81	17	to	to	PART
fsr-3469	81	18	indicate	indicate	VERB
fsr-3469	81	19	how	how	SCONJ
fsr-3469	81	20	to	to	PART
fsr-3469	81	21	identify	identify	VERB
fsr-3469	81	22	preferred	preferred	ADJ
fsr-3469	81	23	financial	financial	ADJ
fsr-3469	81	24	planning	planning	NOUN
fsr-3469	81	25	implementation	implementation	NOUN
fsr-3469	81	26	methods	method	NOUN
fsr-3469	81	27	.	.	PUNCT
fsr-3469	82	1	all	all	DET
fsr-3469	82	2	results	result	NOUN
fsr-3469	82	3	are	be	AUX
fsr-3469	82	4	computed	compute	VERB
fsr-3469	82	5	using	use	VERB
fsr-3469	82	6	sas	sas	PROPN
fsr-3469	82	7	.	.	PROPN
fsr-3469	82	8	3.1	3.1	NUM
fsr-3469	82	9	.	.	PUNCT
fsr-3469	83	1	constructing	construct	VERB
fsr-3469	83	2	the	the	DET
fsr-3469	83	3	scales	scale	NOUN
fsr-3469	83	4	after	after	ADP
fsr-3469	83	5	reviewing	review	VERB
fsr-3469	83	6	various	various	ADJ
fsr-3469	83	7	sources	source	NOUN
fsr-3469	83	8	related	relate	VERB
fsr-3469	83	9	to	to	ADP
fsr-3469	83	10	our	our	PRON
fsr-3469	83	11	constructs	construct	NOUN
fsr-3469	83	12	surrounding	surround	VERB
fsr-3469	83	13	retirement	retirement	NOUN
fsr-3469	83	14	income	income	NOUN
fsr-3469	83	15	,	,	PUNCT
fsr-3469	83	16	we	we	PRON
fsr-3469	83	17	created	create	VERB
fsr-3469	83	18	157	157	NUM
fsr-3469	83	19	questions	question	NOUN
fsr-3469	83	20	to	to	PART
fsr-3469	83	21	be	be	AUX
fsr-3469	83	22	tested	test	VERB
fsr-3469	83	23	.	.	PUNCT
fsr-3469	84	1	these	these	DET
fsr-3469	84	2	questions	question	NOUN
fsr-3469	84	3	were	be	AUX
fsr-3469	84	4	reviewed	review	VERB
fsr-3469	84	5	by	by	ADP
fsr-3469	84	6	roughly	roughly	ADV
fsr-3469	84	7	350	350	NUM
fsr-3469	84	8	volunteers	volunteer	NOUN
fsr-3469	84	9	to	to	PART
fsr-3469	84	10	provide	provide	VERB
fsr-3469	84	11	initial	initial	ADJ
fsr-3469	84	12	feedback	feedback	NOUN
fsr-3469	84	13	.	.	PUNCT
fsr-3469	85	1	these	these	DET
fsr-3469	85	2	volunteers	volunteer	NOUN
fsr-3469	85	3	included	include	VERB
fsr-3469	85	4	a	a	DET
fsr-3469	85	5	mix	mix	NOUN
fsr-3469	85	6	of	of	ADP
fsr-3469	85	7	financial	financial	ADJ
fsr-3469	85	8	professionals	professional	NOUN
fsr-3469	85	9	and	and	CCONJ
fsr-3469	85	10	individuals	individual	NOUN
fsr-3469	85	11	who	who	PRON
fsr-3469	85	12	are	be	AUX
fsr-3469	85	13	active	active	ADJ
fsr-3469	85	14	readers	reader	NOUN
fsr-3469	85	15	of	of	ADP
fsr-3469	85	16	retirementresearcher.com	retirementresearcher.com	X
fsr-3469	85	17	.	.	PUNCT
fsr-3469	86	1	this	this	DET
fsr-3469	86	2	website	website	NOUN
fsr-3469	86	3	largely	largely	ADV
fsr-3469	86	4	focuses	focus	VERB
fsr-3469	86	5	on	on	ADP
fsr-3469	86	6	retirement	retirement	NOUN
fsr-3469	86	7	income	income	NOUN
fsr-3469	86	8	planning	planning	NOUN
fsr-3469	86	9	topics	topic	NOUN
fsr-3469	86	10	.	.	PUNCT
fsr-3469	87	1	these	these	DET
fsr-3469	87	2	volunteers	volunteer	NOUN
fsr-3469	87	3	provided	provide	VERB
fsr-3469	87	4	feedback	feedback	NOUN
fsr-3469	87	5	and	and	CCONJ
fsr-3469	87	6	suggestions	suggestion	NOUN
fsr-3469	87	7	about	about	ADP
fsr-3469	87	8	the	the	DET
fsr-3469	87	9	questions	question	NOUN
fsr-3469	87	10	in	in	ADP
fsr-3469	87	11	terms	term	NOUN
fsr-3469	87	12	of	of	ADP
fsr-3469	87	13	their	their	PRON
fsr-3469	87	14	quality	quality	NOUN
fsr-3469	87	15	,	,	PUNCT
fsr-3469	87	16	clarity	clarity	NOUN
fsr-3469	87	17	,	,	PUNCT
fsr-3469	87	18	and	and	CCONJ
fsr-3469	87	19	conciseness	conciseness	NOUN
fsr-3469	87	20	.	.	PUNCT
fsr-3469	88	1	the	the	DET
fsr-3469	88	2	focus	focus	NOUN
fsr-3469	88	3	at	at	ADP
fsr-3469	88	4	this	this	DET
fsr-3469	88	5	stage	stage	NOUN
fsr-3469	88	6	was	be	AUX
fsr-3469	88	7	on	on	ADP
fsr-3469	88	8	content	content	NOUN
fsr-3469	88	9	validity	validity	NOUN
fsr-3469	88	10	.	.	PUNCT
fsr-3469	89	1	4	4	NUM
fsr-3469	89	2	a.	a.	NOUN
fsr-3469	89	3	murguı́a	murguı́a	NOUN
fsr-3469	89	4	and	and	CCONJ
fsr-3469	89	5	w.	w.	NOUN
fsr-3469	89	6	pfau	pfau	PROPN
fsr-3469	89	7	/	/	SYM
fsr-3469	89	8	financial	financial	ADJ
fsr-3469	89	9	services	service	NOUN
fsr-3469	89	10	review	review	VERB
fsr-3469	89	11	30	30	NUM
fsr-3469	89	12	(	(	PUNCT
fsr-3469	89	13	2022	2022	NUM
fsr-3469	89	14	)	)	PUNCT
fsr-3469	89	15	1–29	1–29	NOUN
fsr-3469	89	16	this	this	DET
fsr-3469	89	17	feedback	feedback	NOUN
fsr-3469	89	18	helped	help	VERB
fsr-3469	89	19	reduce	reduce	VERB
fsr-3469	89	20	the	the	DET
fsr-3469	89	21	number	number	NOUN
fsr-3469	89	22	of	of	ADP
fsr-3469	89	23	questions	question	NOUN
fsr-3469	89	24	to	to	ADP
fsr-3469	89	25	less	less	ADJ
fsr-3469	89	26	than	than	ADP
fsr-3469	89	27	90	90	NUM
fsr-3469	89	28	,	,	PUNCT
fsr-3469	89	29	which	which	PRON
fsr-3469	89	30	were	be	AUX
fsr-3469	89	31	then	then	ADV
fsr-3469	89	32	provided	provide	VERB
fsr-3469	89	33	to	to	ADP
fsr-3469	89	34	the	the	DET
fsr-3469	89	35	participants	participant	NOUN
fsr-3469	89	36	of	of	ADP
fsr-3469	89	37	this	this	DET
fsr-3469	89	38	study	study	NOUN
fsr-3469	89	39	.	.	PUNCT
fsr-3469	90	1	participants	participant	NOUN
fsr-3469	90	2	were	be	AUX
fsr-3469	90	3	recruited	recruit	VERB
fsr-3469	90	4	as	as	ADP
fsr-3469	90	5	a	a	DET
fsr-3469	90	6	convenience	convenience	NOUN
fsr-3469	90	7	sample	sample	NOUN
fsr-3469	90	8	of	of	ADP
fsr-3469	90	9	1,478	1,478	NUM
fsr-3469	90	10	individuals	individual	NOUN
fsr-3469	90	11	from	from	ADP
fsr-3469	90	12	the	the	DET
fsr-3469	90	13	same	same	ADJ
fsr-3469	90	14	source	source	NOUN
fsr-3469	90	15	of	of	ADP
fsr-3469	90	16	retirementresearcher.com	retirementresearcher.com	X
fsr-3469	90	17	readership	readership	NOUN
fsr-3469	90	18	.	.	PUNCT
fsr-3469	91	1	participants	participant	NOUN
fsr-3469	91	2	were	be	AUX
fsr-3469	91	3	asked	ask	VERB
fsr-3469	91	4	to	to	PART
fsr-3469	91	5	complete	complete	VERB
fsr-3469	91	6	an	an	DET
fsr-3469	91	7	online	online	ADJ
fsr-3469	91	8	questionnaire	questionnaire	NOUN
fsr-3469	91	9	.	.	PUNCT
fsr-3469	92	1	they	they	PRON
fsr-3469	92	2	were	be	AUX
fsr-3469	92	3	given	give	VERB
fsr-3469	92	4	14	14	NUM
fsr-3469	92	5	days	day	NOUN
fsr-3469	92	6	to	to	PART
fsr-3469	92	7	complete	complete	VERB
fsr-3469	92	8	the	the	DET
fsr-3469	92	9	survey	survey	NOUN
fsr-3469	92	10	during	during	ADP
fsr-3469	92	11	the	the	DET
fsr-3469	92	12	month	month	NOUN
fsr-3469	92	13	of	of	ADP
fsr-3469	92	14	july	july	PROPN
fsr-3469	92	15	2019	2019	NUM
fsr-3469	92	16	.	.	PUNCT
fsr-3469	93	1	as	as	ADP
fsr-3469	93	2	an	an	DET
fsr-3469	93	3	incentive	incentive	NOUN
fsr-3469	93	4	for	for	ADP
fsr-3469	93	5	participation	participation	NOUN
fsr-3469	93	6	,	,	PUNCT
fsr-3469	93	7	we	we	PRON
fsr-3469	93	8	offered	offer	VERB
fsr-3469	93	9	them	they	PRON
fsr-3469	93	10	a	a	DET
fsr-3469	93	11	retake	retake	NOUN
fsr-3469	93	12	of	of	ADP
fsr-3469	93	13	the	the	DET
fsr-3469	93	14	final	final	ADJ
fsr-3469	93	15	questionnaire	questionnaire	NOUN
fsr-3469	93	16	once	once	SCONJ
fsr-3469	93	17	the	the	DET
fsr-3469	93	18	analysis	analysis	NOUN
fsr-3469	93	19	was	be	AUX
fsr-3469	93	20	completed	complete	VERB
fsr-3469	93	21	.	.	PUNCT
fsr-3469	94	1	we	we	PRON
fsr-3469	94	2	also	also	ADV
fsr-3469	94	3	provided	provide	VERB
fsr-3469	94	4	reports	report	NOUN
fsr-3469	94	5	of	of	ADP
fsr-3469	94	6	their	their	PRON
fsr-3469	94	7	results	result	NOUN
fsr-3469	94	8	.	.	PUNCT
fsr-3469	95	1	while	while	SCONJ
fsr-3469	95	2	total	total	ADJ
fsr-3469	95	3	participants	participant	NOUN
fsr-3469	95	4	peaked	peak	VERB
fsr-3469	95	5	at	at	ADP
fsr-3469	95	6	1,478	1,478	NUM
fsr-3469	95	7	,	,	PUNCT
fsr-3469	95	8	the	the	DET
fsr-3469	95	9	number	number	NOUN
fsr-3469	95	10	of	of	ADP
fsr-3469	95	11	specific	specific	ADJ
fsr-3469	95	12	completed	complete	VERB
fsr-3469	95	13	surveys	survey	NOUN
fsr-3469	95	14	by	by	ADP
fsr-3469	95	15	topic	topic	NOUN
fsr-3469	95	16	varies	varie	NOUN
fsr-3469	95	17	because	because	SCONJ
fsr-3469	95	18	participants	participant	NOUN
fsr-3469	95	19	could	could	AUX
fsr-3469	95	20	drop	drop	VERB
fsr-3469	95	21	out	out	ADP
fsr-3469	95	22	at	at	ADP
fsr-3469	95	23	any	any	DET
fsr-3469	95	24	point	point	NOUN
fsr-3469	95	25	,	,	PUNCT
fsr-3469	95	26	and	and	CCONJ
fsr-3469	95	27	some	some	PRON
fsr-3469	95	28	had	have	AUX
fsr-3469	95	29	left	leave	VERB
fsr-3469	95	30	before	before	SCONJ
fsr-3469	95	31	all	all	DET
fsr-3469	95	32	topics	topic	NOUN
fsr-3469	95	33	had	have	AUX
fsr-3469	95	34	been	be	AUX
fsr-3469	95	35	introduced	introduce	VERB
fsr-3469	95	36	.	.	PUNCT
fsr-3469	96	1	as	as	ADV
fsr-3469	96	2	well	well	ADV
fsr-3469	96	3	,	,	PUNCT
fsr-3469	96	4	answering	answer	VERB
fsr-3469	96	5	a	a	DET
fsr-3469	96	6	question	question	NOUN
fsr-3469	96	7	about	about	ADP
fsr-3469	96	8	net	net	ADJ
fsr-3469	96	9	worth	worth	NOUN
fsr-3469	96	10	was	be	AUX
fsr-3469	96	11	optional	optional	ADJ
fsr-3469	96	12	and	and	CCONJ
fsr-3469	96	13	reduced	reduce	VERB
fsr-3469	96	14	the	the	DET
fsr-3469	96	15	number	number	NOUN
fsr-3469	96	16	of	of	ADP
fsr-3469	96	17	respondents	respondent	NOUN
fsr-3469	96	18	available	available	ADJ
fsr-3469	96	19	to	to	PART
fsr-3469	96	20	use	use	VERB
fsr-3469	96	21	in	in	ADP
fsr-3469	96	22	the	the	DET
fsr-3469	96	23	regression	regression	NOUN
fsr-3469	96	24	analysis	analysis	NOUN
fsr-3469	96	25	.	.	PUNCT
fsr-3469	97	1	for	for	ADP
fsr-3469	97	2	retest	retest	ADJ
fsr-3469	97	3	purposes	purpose	NOUN
fsr-3469	97	4	,	,	PUNCT
fsr-3469	97	5	the	the	DET
fsr-3469	97	6	finalized	finalize	VERB
fsr-3469	97	7	survey	survey	NOUN
fsr-3469	97	8	was	be	AUX
fsr-3469	97	9	administered	administer	VERB
fsr-3469	97	10	on	on	ADP
fsr-3469	97	11	march	march	PROPN
fsr-3469	97	12	27	27	NUM
fsr-3469	97	13	,	,	PUNCT
fsr-3469	97	14	2020	2020	NUM
fsr-3469	97	15	,	,	PUNCT
fsr-3469	97	16	and	and	CCONJ
fsr-3469	97	17	again	again	ADV
fsr-3469	97	18	on	on	ADP
fsr-3469	97	19	september	september	PROPN
fsr-3469	97	20	10	10	NUM
fsr-3469	97	21	,	,	PUNCT
fsr-3469	97	22	2020	2020	NUM
fsr-3469	97	23	,	,	PUNCT
fsr-3469	97	24	roughly	roughly	ADV
fsr-3469	97	25	six	six	NUM
fsr-3469	97	26	months	month	NOUN
fsr-3469	97	27	apart	apart	ADV
fsr-3469	97	28	.	.	PUNCT
fsr-3469	98	1	it	it	PRON
fsr-3469	98	2	should	should	AUX
fsr-3469	98	3	be	be	AUX
fsr-3469	98	4	noted	note	VERB
fsr-3469	98	5	that	that	SCONJ
fsr-3469	98	6	due	due	ADP
fsr-3469	98	7	to	to	ADP
fsr-3469	98	8	the	the	DET
fsr-3469	98	9	coronavirus	coronavirus	NOUN
fsr-3469	98	10	disease	disease	NOUN
fsr-3469	98	11	2019	2019	NUM
fsr-3469	98	12	(	(	PUNCT
fsr-3469	98	13	covid-19	covid-19	PROPN
fsr-3469	98	14	)	)	PUNCT
fsr-3469	98	15	pandemic	pandemic	NOUN
fsr-3469	98	16	,	,	PUNCT
fsr-3469	98	17	this	this	DET
fsr-3469	98	18	period	period	NOUN
fsr-3469	98	19	experienced	experience	VERB
fsr-3469	98	20	pronounced	pronounce	VERB
fsr-3469	98	21	market	market	NOUN
fsr-3469	98	22	volatility	volatility	NOUN
fsr-3469	98	23	and	and	CCONJ
fsr-3469	98	24	most	most	ADV
fsr-3469	98	25	likely	likely	ADV
fsr-3469	98	26	great	great	ADJ
fsr-3469	98	27	personal	personal	ADJ
fsr-3469	98	28	uncertainty	uncertainty	NOUN
fsr-3469	98	29	for	for	ADP
fsr-3469	98	30	the	the	DET
fsr-3469	98	31	respondents	respondent	NOUN
fsr-3469	98	32	.	.	PUNCT
fsr-3469	99	1	while	while	SCONJ
fsr-3469	99	2	the	the	DET
fsr-3469	99	3	sample	sample	NOUN
fsr-3469	99	4	is	be	AUX
fsr-3469	99	5	not	not	PART
fsr-3469	99	6	intended	intend	VERB
fsr-3469	99	7	to	to	PART
fsr-3469	99	8	be	be	AUX
fsr-3469	99	9	random	random	ADJ
fsr-3469	99	10	and	and	CCONJ
fsr-3469	99	11	reflective	reflective	ADJ
fsr-3469	99	12	of	of	ADP
fsr-3469	99	13	the	the	DET
fsr-3469	99	14	population	population	NOUN
fsr-3469	99	15	at	at	ADP
fsr-3469	99	16	large	large	ADJ
fsr-3469	99	17	,	,	PUNCT
fsr-3469	99	18	it	it	PRON
fsr-3469	99	19	is	be	AUX
fsr-3469	99	20	indicative	indicative	ADJ
fsr-3469	99	21	of	of	ADP
fsr-3469	99	22	individuals	individual	NOUN
fsr-3469	99	23	for	for	ADP
fsr-3469	99	24	whom	whom	PRON
fsr-3469	99	25	retirement	retirement	NOUN
fsr-3469	99	26	income	income	NOUN
fsr-3469	99	27	is	be	AUX
fsr-3469	99	28	a	a	DET
fsr-3469	99	29	salient	salient	ADJ
fsr-3469	99	30	personal	personal	ADJ
fsr-3469	99	31	topic	topic	NOUN
fsr-3469	99	32	.	.	PUNCT
fsr-3469	100	1	many	many	ADJ
fsr-3469	100	2	of	of	ADP
fsr-3469	100	3	those	those	PRON
fsr-3469	100	4	taking	take	VERB
fsr-3469	100	5	the	the	DET
fsr-3469	100	6	survey	survey	NOUN
fsr-3469	100	7	can	can	AUX
fsr-3469	100	8	be	be	AUX
fsr-3469	100	9	viewed	view	VERB
fsr-3469	100	10	as	as	ADP
fsr-3469	100	11	taking	take	VERB
fsr-3469	100	12	an	an	DET
fsr-3469	100	13	active	active	ADJ
fsr-3469	100	14	interest	interest	NOUN
fsr-3469	100	15	in	in	ADP
fsr-3469	100	16	retirement	retirement	NOUN
fsr-3469	100	17	planning	planning	NOUN
fsr-3469	100	18	topics	topic	NOUN
fsr-3469	100	19	and	and	CCONJ
fsr-3469	100	20	being	be	AUX
fsr-3469	100	21	more	more	ADV
fsr-3469	100	22	knowledgeable	knowledgeable	ADJ
fsr-3469	100	23	about	about	ADP
fsr-3469	100	24	retirement	retirement	NOUN
fsr-3469	100	25	income	income	NOUN
fsr-3469	100	26	than	than	ADP
fsr-3469	100	27	the	the	DET
fsr-3469	100	28	average	average	ADJ
fsr-3469	100	29	layperson	layperson	NOUN
fsr-3469	100	30	.	.	PUNCT
fsr-3469	101	1	3.2	3.2	NUM
fsr-3469	101	2	.	.	PUNCT
fsr-3469	102	1	descriptive	descriptive	ADJ
fsr-3469	102	2	statistics	statistic	NOUN
fsr-3469	102	3	and	and	CCONJ
fsr-3469	102	4	exploratory	exploratory	ADJ
fsr-3469	102	5	factor	factor	NOUN
fsr-3469	102	6	analysis	analysis	NOUN
fsr-3469	102	7	with	with	ADP
fsr-3469	102	8	1,478	1,478	NUM
fsr-3469	102	9	total	total	ADJ
fsr-3469	102	10	participants	participant	NOUN
fsr-3469	102	11	,	,	PUNCT
fsr-3469	102	12	a	a	DET
fsr-3469	102	13	power	power	NOUN
fsr-3469	102	14	analysis	analysis	NOUN
fsr-3469	102	15	indicated	indicate	VERB
fsr-3469	102	16	that	that	SCONJ
fsr-3469	102	17	the	the	DET
fsr-3469	102	18	sample	sample	NOUN
fsr-3469	102	19	size	size	NOUN
fsr-3469	102	20	was	be	AUX
fsr-3469	102	21	well	well	ADV
fsr-3469	102	22	above	above	ADP
fsr-3469	102	23	the	the	DET
fsr-3469	102	24	number	number	NOUN
fsr-3469	102	25	of	of	ADP
fsr-3469	102	26	participants	participant	NOUN
fsr-3469	102	27	needed	need	VERB
fsr-3469	102	28	to	to	PART
fsr-3469	102	29	test	test	VERB
fsr-3469	102	30	our	our	PRON
fsr-3469	102	31	hypotheses	hypothesis	NOUN
fsr-3469	102	32	with	with	ADP
fsr-3469	102	33	the	the	DET
fsr-3469	102	34	exploratory	exploratory	ADJ
fsr-3469	102	35	factor	factor	NOUN
fsr-3469	102	36	analysis	analysis	NOUN
fsr-3469	102	37	even	even	ADV
fsr-3469	102	38	as	as	SCONJ
fsr-3469	102	39	some	some	DET
fsr-3469	102	40	participants	participant	NOUN
fsr-3469	102	41	did	do	AUX
fsr-3469	102	42	not	not	PART
fsr-3469	102	43	complete	complete	VERB
fsr-3469	102	44	every	every	DET
fsr-3469	102	45	iteration	iteration	NOUN
fsr-3469	102	46	of	of	ADP
fsr-3469	102	47	the	the	DET
fsr-3469	102	48	study	study	NOUN
fsr-3469	102	49	.	.	PUNCT
fsr-3469	103	1	in	in	ADP
fsr-3469	103	2	addition	addition	NOUN
fsr-3469	103	3	,	,	PUNCT
fsr-3469	103	4	we	we	PRON
fsr-3469	103	5	captured	capture	VERB
fsr-3469	103	6	other	other	ADJ
fsr-3469	103	7	information	information	NOUN
fsr-3469	103	8	such	such	ADJ
fsr-3469	103	9	as	as	ADP
fsr-3469	103	10	age	age	NOUN
fsr-3469	103	11	and	and	CCONJ
fsr-3469	103	12	net	net	ADJ
fsr-3469	103	13	worth	worth	NOUN
fsr-3469	103	14	to	to	PART
fsr-3469	103	15	control	control	VERB
fsr-3469	103	16	for	for	ADP
fsr-3469	103	17	these	these	DET
fsr-3469	103	18	additional	additional	ADJ
fsr-3469	103	19	variables	variable	NOUN
fsr-3469	103	20	during	during	ADP
fsr-3469	103	21	the	the	DET
fsr-3469	103	22	subsequent	subsequent	ADJ
fsr-3469	103	23	regression	regression	NOUN
fsr-3469	103	24	analysis	analysis	NOUN
fsr-3469	103	25	.	.	PUNCT
fsr-3469	104	1	descriptive	descriptive	ADJ
fsr-3469	104	2	participant	participant	PROPN
fsr-3469	104	3	data	datum	NOUN
fsr-3469	104	4	are	be	AUX
fsr-3469	104	5	provided	provide	VERB
fsr-3469	104	6	in	in	ADP
fsr-3469	104	7	table	table	NOUN
fsr-3469	104	8	1	1	NUM
fsr-3469	104	9	.	.	PUNCT
fsr-3469	105	1	we	we	PRON
fsr-3469	105	2	were	be	AUX
fsr-3469	105	3	able	able	ADJ
fsr-3469	105	4	to	to	PART
fsr-3469	105	5	attract	attract	VERB
fsr-3469	105	6	participants	participant	NOUN
fsr-3469	105	7	in	in	ADP
fsr-3469	105	8	which	which	PRON
fsr-3469	105	9	retirement	retirement	NOUN
fsr-3469	105	10	is	be	AUX
fsr-3469	105	11	a	a	DET
fsr-3469	105	12	relevant	relevant	ADJ
fsr-3469	105	13	life	life	NOUN
fsr-3469	105	14	milestone	milestone	NOUN
fsr-3469	105	15	.	.	PUNCT
fsr-3469	106	1	for	for	ADP
fsr-3469	106	2	example	example	NOUN
fsr-3469	106	3	,	,	PUNCT
fsr-3469	106	4	61	61	NUM
fsr-3469	106	5	%	%	NOUN
fsr-3469	106	6	(	(	PUNCT
fsr-3469	106	7	n	n	NOUN
fsr-3469	106	8	=	=	SYM
fsr-3469	106	9	845	845	NUM
fsr-3469	106	10	)	)	PUNCT
fsr-3469	106	11	of	of	ADP
fsr-3469	106	12	participants	participant	NOUN
fsr-3469	106	13	were	be	AUX
fsr-3469	106	14	in	in	ADP
fsr-3469	106	15	between	between	ADP
fsr-3469	106	16	59	59	NUM
fsr-3469	106	17	and	and	CCONJ
fsr-3469	106	18	70	70	NUM
fsr-3469	106	19	years	year	NOUN
fsr-3469	106	20	old	old	ADJ
fsr-3469	106	21	.	.	PUNCT
fsr-3469	107	1	males	male	NOUN
fsr-3469	107	2	represent	represent	VERB
fsr-3469	107	3	77	77	NUM
fsr-3469	107	4	%	%	NOUN
fsr-3469	107	5	of	of	ADP
fsr-3469	107	6	responses	response	NOUN
fsr-3469	107	7	(	(	PUNCT
fsr-3469	107	8	n	n	NOUN
fsr-3469	107	9	=	=	SYM
fsr-3469	107	10	1,143	1,143	NUM
fsr-3469	107	11	)	)	PUNCT
fsr-3469	107	12	and	and	CCONJ
fsr-3469	107	13	females	female	NOUN
fsr-3469	107	14	23	23	NUM
fsr-3469	107	15	%	%	NOUN
fsr-3469	107	16	(	(	PUNCT
fsr-3469	107	17	n	n	NOUN
fsr-3469	107	18	=	=	SYM
fsr-3469	107	19	335	335	NUM
fsr-3469	107	20	)	)	PUNCT
fsr-3469	107	21	.	.	PUNCT
fsr-3469	108	1	86	86	NUM
fsr-3469	108	2	%	%	NOUN
fsr-3469	108	3	of	of	ADP
fsr-3469	108	4	the	the	DET
fsr-3469	108	5	respondents	respondent	NOUN
fsr-3469	108	6	are	be	AUX
fsr-3469	108	7	married	married	ADJ
fsr-3469	108	8	(	(	PUNCT
fsr-3469	108	9	n	n	NOUN
fsr-3469	108	10	=	=	SYM
fsr-3469	108	11	1,270	1,270	NUM
fsr-3469	108	12	)	)	PUNCT
fsr-3469	108	13	and	and	CCONJ
fsr-3469	108	14	14	14	NUM
fsr-3469	108	15	%	%	NOUN
fsr-3469	108	16	(	(	PUNCT
fsr-3469	108	17	n	n	NOUN
fsr-3469	108	18	=	=	SYM
fsr-3469	108	19	208	208	NUM
fsr-3469	108	20	)	)	PUNCT
fsr-3469	108	21	are	be	AUX
fsr-3469	108	22	single	single	ADJ
fsr-3469	108	23	.	.	PUNCT
fsr-3469	109	1	while	while	SCONJ
fsr-3469	109	2	an	an	DET
fsr-3469	109	3	optional	optional	ADJ
fsr-3469	109	4	question	question	NOUN
fsr-3469	109	5	,	,	PUNCT
fsr-3469	109	6	50	50	NUM
fsr-3469	109	7	%	%	NOUN
fsr-3469	109	8	(	(	PUNCT
fsr-3469	109	9	n	n	NOUN
fsr-3469	109	10	=	=	SYM
fsr-3469	109	11	372	372	NUM
fsr-3469	109	12	)	)	PUNCT
fsr-3469	109	13	of	of	ADP
fsr-3469	109	14	the	the	DET
fsr-3469	109	15	740	740	NUM
fsr-3469	109	16	respondents	respondent	NOUN
fsr-3469	109	17	report	report	VERB
fsr-3469	109	18	a	a	DET
fsr-3469	109	19	net	net	ADJ
fsr-3469	109	20	worth	worth	NOUN
fsr-3469	109	21	of	of	ADP
fsr-3469	109	22	$	$	SYM
fsr-3469	109	23	1	1	NUM
fsr-3469	109	24	-	-	SYM
fsr-3469	109	25	3	3	NUM
fsr-3469	109	26	million	million	NUM
fsr-3469	109	27	dollars	dollar	NOUN
fsr-3469	109	28	.	.	PUNCT
fsr-3469	110	1	descriptive	descriptive	ADJ
fsr-3469	110	2	statistics	statistic	NOUN
fsr-3469	110	3	for	for	ADP
fsr-3469	110	4	all	all	DET
fsr-3469	110	5	scales	scale	NOUN
fsr-3469	110	6	are	be	AUX
fsr-3469	110	7	presented	present	VERB
fsr-3469	110	8	in	in	ADP
fsr-3469	110	9	table	table	NOUN
fsr-3469	110	10	2	2	NUM
fsr-3469	110	11	.	.	PUNCT
fsr-3469	111	1	these	these	DET
fsr-3469	111	2	scales	scale	NOUN
fsr-3469	111	3	are	be	AUX
fsr-3469	111	4	divided	divide	VERB
fsr-3469	111	5	between	between	ADP
fsr-3469	111	6	psychological	psychological	ADJ
fsr-3469	111	7	and	and	CCONJ
fsr-3469	111	8	behavior	behavior	NOUN
fsr-3469	111	9	finance	finance	NOUN
fsr-3469	111	10	constructs	construct	VERB
fsr-3469	111	11	,	,	PUNCT
fsr-3469	111	12	retirement	retirement	NOUN
fsr-3469	111	13	income	income	NOUN
fsr-3469	111	14	concerns	concern	NOUN
fsr-3469	111	15	,	,	PUNCT
fsr-3469	111	16	investment	investment	NOUN
fsr-3469	111	17	behaviors	behavior	NOUN
fsr-3469	111	18	,	,	PUNCT
fsr-3469	111	19	and	and	CCONJ
fsr-3469	111	20	retirement	retirement	NOUN
fsr-3469	111	21	outlook	outlook	NOUN
fsr-3469	111	22	.	.	PUNCT
fsr-3469	112	1	the	the	DET
fsr-3469	112	2	table	table	NOUN
fsr-3469	112	3	presents	present	VERB
fsr-3469	112	4	means	mean	NOUN
fsr-3469	112	5	and	and	CCONJ
fsr-3469	112	6	standard	standard	ADJ
fsr-3469	112	7	deviations	deviation	NOUN
fsr-3469	112	8	and	and	CCONJ
fsr-3469	112	9	a	a	DET
fsr-3469	112	10	range	range	NOUN
fsr-3469	112	11	of	of	ADP
fsr-3469	112	12	scores	score	NOUN
fsr-3469	112	13	.	.	PUNCT
fsr-3469	113	1	higher	high	ADJ
fsr-3469	113	2	scores	score	NOUN
fsr-3469	113	3	within	within	ADP
fsr-3469	113	4	the	the	DET
fsr-3469	113	5	range	range	NOUN
fsr-3469	113	6	represent	represent	VERB
fsr-3469	113	7	the	the	DET
fsr-3469	113	8	degree	degree	NOUN
fsr-3469	113	9	of	of	ADP
fsr-3469	113	10	strength	strength	NOUN
fsr-3469	113	11	for	for	ADP
fsr-3469	113	12	the	the	DET
fsr-3469	113	13	construct	construct	NOUN
fsr-3469	113	14	being	be	AUX
fsr-3469	113	15	measured	measure	VERB
fsr-3469	113	16	.	.	PUNCT
fsr-3469	114	1	for	for	ADP
fsr-3469	114	2	financial	financial	ADJ
fsr-3469	114	3	biases	bias	NOUN
fsr-3469	114	4	,	,	PUNCT
fsr-3469	114	5	retirement	retirement	NOUN
fsr-3469	114	6	income	income	NOUN
fsr-3469	114	7	self	self	NOUN
fsr-3469	114	8	-	-	PUNCT
fsr-3469	114	9	efficacy	efficacy	NOUN
fsr-3469	114	10	,	,	PUNCT
fsr-3469	114	11	and	and	CCONJ
fsr-3469	114	12	advisor	advisor	NOUN
fsr-3469	114	13	usefulness	usefulness	NOUN
fsr-3469	114	14	,	,	PUNCT
fsr-3469	114	15	we	we	PRON
fsr-3469	114	16	will	will	AUX
fsr-3469	114	17	also	also	ADV
fsr-3469	114	18	refer	refer	VERB
fsr-3469	114	19	to	to	ADP
fsr-3469	114	20	subsequent	subsequent	ADJ
fsr-3469	114	21	tables	table	NOUN
fsr-3469	114	22	with	with	ADP
fsr-3469	114	23	exploratory	exploratory	ADJ
fsr-3469	114	24	factor	factor	NOUN
fsr-3469	114	25	analysis	analysis	NOUN
fsr-3469	114	26	to	to	PART
fsr-3469	114	27	determine	determine	VERB
fsr-3469	114	28	whether	whether	SCONJ
fsr-3469	114	29	these	these	DET
fsr-3469	114	30	scales	scale	NOUN
fsr-3469	114	31	reflect	reflect	VERB
fsr-3469	114	32	our	our	PRON
fsr-3469	114	33	distinctly	distinctly	ADV
fsr-3469	114	34	hypothesized	hypothesize	VERB
fsr-3469	114	35	constructs	construct	NOUN
fsr-3469	114	36	,	,	PUNCT
fsr-3469	114	37	cronbach	cronbach	VERB
fsr-3469	114	38	’s	’s	NOUN
fsr-3469	114	39	a	a	PRON
fsr-3469	114	40	to	to	PART
fsr-3469	114	41	determine	determine	VERB
fsr-3469	114	42	internal	internal	ADJ
fsr-3469	114	43	scale	scale	NOUN
fsr-3469	114	44	consistency	consistency	NOUN
fsr-3469	114	45	,	,	PUNCT
fsr-3469	114	46	and	and	CCONJ
fsr-3469	114	47	pearson	pearson	PROPN
fsr-3469	114	48	correlation	correlation	NOUN
fsr-3469	114	49	retest	retest	NOUN
fsr-3469	114	50	scores	score	NOUN
fsr-3469	114	51	to	to	PART
fsr-3469	114	52	indicate	indicate	VERB
fsr-3469	114	53	temporal	temporal	ADJ
fsr-3469	114	54	consistency	consistency	NOUN
fsr-3469	114	55	(	(	PUNCT
fsr-3469	114	56	devellis	develli	NOUN
fsr-3469	114	57	,	,	PUNCT
fsr-3469	114	58	2017	2017	NUM
fsr-3469	114	59	)	)	PUNCT
fsr-3469	114	60	.	.	PUNCT
fsr-3469	115	1	a.	a.	PROPN
fsr-3469	115	2	murgua	murgua	PROPN
fsr-3469	115	3	and	and	CCONJ
fsr-3469	115	4	w.	w.	PROPN
fsr-3469	115	5	pfau	pfau	PROPN
fsr-3469	115	6	/	/	SYM
fsr-3469	115	7	financial	financial	ADJ
fsr-3469	115	8	services	service	NOUN
fsr-3469	115	9	review	review	VERB
fsr-3469	115	10	30	30	NUM
fsr-3469	115	11	(	(	PUNCT
fsr-3469	115	12	2022	2022	NUM
fsr-3469	115	13	)	)	PUNCT
fsr-3469	115	14	1–29	1–29	PROPN
fsr-3469	116	1	5	5	NUM
fsr-3469	116	2	table	table	NOUN
fsr-3469	116	3	1	1	NUM
fsr-3469	116	4	demographic	demographic	ADJ
fsr-3469	116	5	information	information	NOUN
fsr-3469	116	6	respondents	respondent	NOUN
fsr-3469	116	7	n	n	PRON
fsr-3469	116	8	%	%	VERB
fsr-3469	116	9	total	total	ADJ
fsr-3469	116	10	participants	participant	NOUN
fsr-3469	116	11	men	man	NOUN
fsr-3469	116	12	1,143	1,143	NUM
fsr-3469	116	13	77	77	NUM
fsr-3469	116	14	%	%	NOUN
fsr-3469	116	15	women	woman	NOUN
fsr-3469	116	16	335	335	NUM
fsr-3469	116	17	23	23	NUM
fsr-3469	116	18	%	%	NOUN
fsr-3469	116	19	age	age	NOUN
fsr-3469	116	20	classes	class	NOUN
fsr-3469	116	21	younger	young	ADJ
fsr-3469	116	22	than	than	ADP
fsr-3469	116	23	40	40	NUM
fsr-3469	116	24	64	64	NUM
fsr-3469	116	25	4	4	NUM
fsr-3469	116	26	%	%	NOUN
fsr-3469	116	27	40	40	NUM
fsr-3469	116	28	-	-	SYM
fsr-3469	116	29	46	46	NUM
fsr-3469	116	30	64	64	NUM
fsr-3469	116	31	4	4	NUM
fsr-3469	116	32	%	%	NOUN
fsr-3469	116	33	47	47	NUM
fsr-3469	116	34	-	-	SYM
fsr-3469	116	35	52	52	NUM
fsr-3469	116	36	97	97	NUM
fsr-3469	116	37	7	7	NUM
fsr-3469	116	38	%	%	NOUN
fsr-3469	116	39	53	53	NUM
fsr-3469	116	40	-	-	SYM
fsr-3469	116	41	58	58	NUM
fsr-3469	116	42	267	267	NUM
fsr-3469	116	43	18	18	NUM
fsr-3469	116	44	%	%	NOUN
fsr-3469	116	45	59	59	NUM
fsr-3469	116	46	-	-	SYM
fsr-3469	116	47	64	64	NUM
fsr-3469	116	48	460	460	NUM
fsr-3469	116	49	31	31	NUM
fsr-3469	116	50	%	%	NOUN
fsr-3469	116	51	65	65	NUM
fsr-3469	116	52	-	-	SYM
fsr-3469	116	53	70	70	NUM
fsr-3469	116	54	385	385	NUM
fsr-3469	116	55	26	26	NUM
fsr-3469	116	56	%	%	NOUN
fsr-3469	116	57	71	71	NUM
fsr-3469	116	58	-	-	SYM
fsr-3469	116	59	76	76	NUM
fsr-3469	116	60	131	131	NUM
fsr-3469	116	61	9	9	NUM
fsr-3469	116	62	%	%	NOUN
fsr-3469	116	63	above	above	ADP
fsr-3469	116	64	76	76	NUM
fsr-3469	116	65	8	8	NUM
fsr-3469	116	66	1	1	NUM
fsr-3469	116	67	%	%	NOUN
fsr-3469	116	68	marital	marital	ADJ
fsr-3469	116	69	status	status	NOUN
fsr-3469	116	70	spouse	spouse	NOUN
fsr-3469	116	71	/	/	SYM
fsr-3469	116	72	partner	partner	NOUN
fsr-3469	116	73	1,270	1,270	NUM
fsr-3469	116	74	86	86	NUM
fsr-3469	116	75	%	%	NOUN
fsr-3469	116	76	single	single	ADJ
fsr-3469	116	77	208	208	NUM
fsr-3469	116	78	14	14	NUM
fsr-3469	116	79	%	%	NOUN
fsr-3469	116	80	net	net	ADJ
fsr-3469	116	81	worth	worth	NOUN
fsr-3469	116	82	range	range	NOUN
fsr-3469	116	83	less	less	ADJ
fsr-3469	116	84	than	than	ADP
fsr-3469	116	85	$	$	SYM
fsr-3469	116	86	500k	500k	NUM
fsr-3469	116	87	46	46	NUM
fsr-3469	116	88	6	6	NUM
fsr-3469	116	89	%	%	NOUN
fsr-3469	116	90	$	$	SYM
fsr-3469	116	91	500k	500k	NUM
fsr-3469	116	92	$	$	SYM
fsr-3469	116	93	1	1	NUM
fsr-3469	116	94	m	m	NUM
fsr-3469	116	95	91	91	NUM
fsr-3469	116	96	12	12	NUM
fsr-3469	116	97	%	%	NOUN
fsr-3469	116	98	$	$	SYM
fsr-3469	116	99	1	1	NUM
fsr-3469	116	100	m	m	NUM
fsr-3469	116	101	$	$	SYM
fsr-3469	116	102	2	2	NUM
fsr-3469	116	103	m	m	NUM
fsr-3469	116	104	210	210	NUM
fsr-3469	116	105	28	28	NUM
fsr-3469	116	106	%	%	NOUN
fsr-3469	116	107	$	$	SYM
fsr-3469	116	108	2	2	NUM
fsr-3469	116	109	m	m	NUM
fsr-3469	116	110	$	$	SYM
fsr-3469	116	111	3	3	NUM
fsr-3469	116	112	m	m	NOUN
fsr-3469	116	113	162	162	NUM
fsr-3469	116	114	22	22	NUM
fsr-3469	116	115	%	%	NOUN
fsr-3469	116	116	$	$	SYM
fsr-3469	116	117	3	3	NUM
fsr-3469	116	118	m	m	NOUN
fsr-3469	116	119	$	$	SYM
fsr-3469	116	120	4	4	NUM
fsr-3469	116	121	m	m	NUM
fsr-3469	116	122	85	85	NUM
fsr-3469	116	123	11	11	NUM
fsr-3469	116	124	%	%	NOUN
fsr-3469	116	125	$	$	SYM
fsr-3469	116	126	4	4	NUM
fsr-3469	116	127	m	m	NUM
fsr-3469	116	128	$	$	SYM
fsr-3469	116	129	5	5	NUM
fsr-3469	116	130	m	m	NUM
fsr-3469	116	131	48	48	NUM
fsr-3469	116	132	6	6	NUM
fsr-3469	116	133	%	%	NOUN
fsr-3469	116	134	greater	great	ADJ
fsr-3469	116	135	than	than	ADP
fsr-3469	116	136	$	$	SYM
fsr-3469	116	137	5	5	NUM
fsr-3469	116	138	m	m	NOUN
fsr-3469	116	139	98	98	NUM
fsr-3469	116	140	13	13	NUM
fsr-3469	116	141	%	%	NOUN
fsr-3469	116	142	table	table	NOUN
fsr-3469	116	143	2	2	NUM
fsr-3469	116	144	descriptive	descriptive	ADJ
fsr-3469	116	145	information	information	NOUN
fsr-3469	116	146	for	for	ADP
fsr-3469	116	147	all	all	DET
fsr-3469	116	148	scales	scale	NOUN
fsr-3469	116	149	variable	variable	ADJ
fsr-3469	116	150	n	n	PRON
fsr-3469	116	151	mean	mean	VERB
fsr-3469	116	152	standard	standard	ADJ
fsr-3469	116	153	deviation	deviation	NOUN
fsr-3469	116	154	minimum	minimum	ADJ
fsr-3469	116	155	maximum	maximum	ADJ
fsr-3469	116	156	psychological	psychological	ADJ
fsr-3469	116	157	and	and	CCONJ
fsr-3469	116	158	behavioral	behavioral	ADJ
fsr-3469	116	159	finance	finance	NOUN
fsr-3469	116	160	constructs	construct	VERB
fsr-3469	116	161	financial	financial	ADJ
fsr-3469	116	162	biases	bias	NOUN
fsr-3469	116	163	1,058	1,058	NUM
fsr-3469	116	164	2.13	2.13	NUM
fsr-3469	116	165	0.48	0.48	NUM
fsr-3469	116	166	1	1	NUM
fsr-3469	116	167	3.75	3.75	NUM
fsr-3469	116	168	inertia	inertia	NOUN
fsr-3469	116	169	1,002	1,002	NUM
fsr-3469	116	170	1.27	1.27	NUM
fsr-3469	116	171	0.40	0.40	NUM
fsr-3469	116	172	1	1	NUM
fsr-3469	116	173	2.5	2.5	NUM
fsr-3469	116	174	retirement	retirement	NOUN
fsr-3469	116	175	income	income	NOUN
fsr-3469	116	176	self	self	NOUN
fsr-3469	116	177	-	-	PUNCT
fsr-3469	116	178	efficacy	efficacy	NOUN
fsr-3469	116	179	1,142	1,142	NUM
fsr-3469	116	180	4.39	4.39	NUM
fsr-3469	116	181	1.03	1.03	NUM
fsr-3469	116	182	1	1	NUM
fsr-3469	116	183	6	6	NUM
fsr-3469	116	184	advisor	advisor	NOUN
fsr-3469	116	185	usefulness	usefulness	NOUN
fsr-3469	116	186	969	969	NUM
fsr-3469	116	187	3.32	3.32	NUM
fsr-3469	116	188	1.41	1.41	NUM
fsr-3469	116	189	1	1	NUM
fsr-3469	116	190	6	6	NUM
fsr-3469	116	191	numeracy	numeracy	NOUN
fsr-3469	116	192	1,025	1,025	NUM
fsr-3469	116	193	5.25	5.25	NUM
fsr-3469	116	194	1.64	1.64	NUM
fsr-3469	116	195	0	0	NUM
fsr-3469	116	196	8	8	NUM
fsr-3469	116	197	numeracy	numeracy	NOUN
fsr-3469	116	198	self	self	NOUN
fsr-3469	116	199	-	-	PUNCT
fsr-3469	116	200	awareness	awareness	NOUN
fsr-3469	116	201	1,025	1,025	NUM
fsr-3469	116	202	0.18	0.18	NUM
fsr-3469	116	203	0.27	0.27	NUM
fsr-3469	116	204	�	�	PROPN
fsr-3469	116	205	0.75	0.75	NUM
fsr-3469	116	206	0.96	0.96	NUM
fsr-3469	116	207	portfolio	portfolio	NOUN
fsr-3469	116	208	loss	loss	NOUN
fsr-3469	116	209	aversion	aversion	NOUN
fsr-3469	116	210	1,020	1,020	NUM
fsr-3469	116	211	0.38	0.38	NUM
fsr-3469	116	212	0.26	0.26	NUM
fsr-3469	116	213	0	0	NUM
fsr-3469	116	214	1	1	NUM
fsr-3469	116	215	retirement	retirement	NOUN
fsr-3469	116	216	income	income	NOUN
fsr-3469	116	217	concerns	concern	NOUN
fsr-3469	116	218	lifestyle	lifestyle	VERB
fsr-3469	116	219	1,209	1,209	NUM
fsr-3469	116	220	3.90	3.90	NUM
fsr-3469	116	221	0.94	0.94	NUM
fsr-3469	116	222	1	1	NUM
fsr-3469	116	223	6	6	NUM
fsr-3469	116	224	longevity	longevity	NOUN
fsr-3469	116	225	1,175	1,175	NUM
fsr-3469	116	226	2.63	2.63	NUM
fsr-3469	116	227	1.30	1.30	NUM
fsr-3469	116	228	1	1	NUM
fsr-3469	116	229	6	6	NUM
fsr-3469	116	230	liquidity	liquidity	NOUN
fsr-3469	116	231	1,174	1,174	NUM
fsr-3469	116	232	3.91	3.91	NUM
fsr-3469	116	233	1.03	1.03	NUM
fsr-3469	116	234	1	1	NUM
fsr-3469	116	235	6	6	NUM
fsr-3469	116	236	investment	investment	NOUN
fsr-3469	116	237	behaviors	behavior	NOUN
fsr-3469	116	238	dividend	dividend	VERB
fsr-3469	116	239	agnosticism	agnosticism	NOUN
fsr-3469	116	240	1,008	1,008	NUM
fsr-3469	116	241	4.10	4.10	NUM
fsr-3469	116	242	1.29	1.29	NUM
fsr-3469	116	243	1	1	NUM
fsr-3469	116	244	6	6	NUM
fsr-3469	116	245	non	non	ADJ
fsr-3469	116	246	-	-	ADJ
fsr-3469	116	247	forecasting	forecasting	ADJ
fsr-3469	116	248	versus	versus	ADP
fsr-3469	116	249	forecasting	forecast	VERB
fsr-3469	116	250	1,157	1,157	NUM
fsr-3469	116	251	4.67	4.67	NUM
fsr-3469	116	252	1.07	1.07	NUM
fsr-3469	116	253	1	1	NUM
fsr-3469	116	254	6	6	NUM
fsr-3469	116	255	retirement	retirement	NOUN
fsr-3469	116	256	outlook	outlook	NOUN
fsr-3469	116	257	nest	nest	NOUN
fsr-3469	116	258	egg	egg	NOUN
fsr-3469	116	259	satisfaction	satisfaction	NOUN
fsr-3469	116	260	1,016	1,016	NUM
fsr-3469	116	261	3.64	3.64	NUM
fsr-3469	116	262	1.08	1.08	NUM
fsr-3469	116	263	1	1	NUM
fsr-3469	116	264	5	5	NUM
fsr-3469	116	265	retirement	retirement	NOUN
fsr-3469	116	266	income	income	NOUN
fsr-3469	116	267	plan	plan	NOUN
fsr-3469	116	268	anxiety	anxiety	NOUN
fsr-3469	116	269	1,016	1,016	NUM
fsr-3469	116	270	2.21	2.21	NUM
fsr-3469	116	271	0.73	0.73	NUM
fsr-3469	116	272	1	1	NUM
fsr-3469	116	273	4	4	NUM
fsr-3469	116	274	6	6	NUM
fsr-3469	116	275	a.	a.	NOUN
fsr-3469	116	276	murguı́a	murguı́a	NOUN
fsr-3469	116	277	and	and	CCONJ
fsr-3469	116	278	w.	w.	NOUN
fsr-3469	116	279	pfau	pfau	PROPN
fsr-3469	116	280	/	/	SYM
fsr-3469	116	281	financial	financial	ADJ
fsr-3469	116	282	services	service	NOUN
fsr-3469	116	283	review	review	VERB
fsr-3469	116	284	30	30	NUM
fsr-3469	116	285	(	(	PUNCT
fsr-3469	116	286	2022	2022	NUM
fsr-3469	116	287	)	)	PUNCT
fsr-3469	116	288	1–29	1–29	PROPN
fsr-3469	116	289	3.3	3.3	NUM
fsr-3469	116	290	.	.	PUNCT
fsr-3469	117	1	financial	financial	ADJ
fsr-3469	117	2	biases	bias	NOUN
fsr-3469	117	3	and	and	CCONJ
fsr-3469	117	4	inertia	inertia	NOUN
fsr-3469	117	5	we	we	PRON
fsr-3469	117	6	created	create	VERB
fsr-3469	117	7	statements	statement	NOUN
fsr-3469	117	8	reflecting	reflect	VERB
fsr-3469	117	9	various	various	ADJ
fsr-3469	117	10	financial	financial	ADJ
fsr-3469	117	11	biases	bias	NOUN
fsr-3469	117	12	.	.	PUNCT
fsr-3469	118	1	specifically	specifically	ADV
fsr-3469	118	2	,	,	PUNCT
fsr-3469	118	3	we	we	PRON
fsr-3469	118	4	focused	focus	VERB
fsr-3469	118	5	on	on	ADP
fsr-3469	118	6	hindsight	hindsight	ADJ
fsr-3469	118	7	,	,	PUNCT
fsr-3469	118	8	gambler	gambler	NOUN
fsr-3469	118	9	’s	’s	PART
fsr-3469	118	10	fallacy	fallacy	NOUN
fsr-3469	118	11	,	,	PUNCT
fsr-3469	118	12	affinity	affinity	NOUN
fsr-3469	118	13	,	,	PUNCT
fsr-3469	118	14	survivorship	survivorship	NOUN
fsr-3469	118	15	bias	bias	NOUN
fsr-3469	118	16	,	,	PUNCT
fsr-3469	118	17	herd	herd	NOUN
fsr-3469	118	18	mentality	mentality	NOUN
fsr-3469	118	19	,	,	PUNCT
fsr-3469	118	20	endowment	endowment	NOUN
fsr-3469	118	21	,	,	PUNCT
fsr-3469	118	22	and	and	CCONJ
fsr-3469	118	23	recency	recency	NOUN
fsr-3469	118	24	heuristics	heuristic	NOUN
fsr-3469	118	25	.	.	PUNCT
fsr-3469	119	1	we	we	PRON
fsr-3469	119	2	presented	present	VERB
fsr-3469	119	3	statements	statement	NOUN
fsr-3469	119	4	and	and	CCONJ
fsr-3469	119	5	asked	ask	VERB
fsr-3469	119	6	the	the	DET
fsr-3469	119	7	participant	participant	NOUN
fsr-3469	119	8	to	to	PART
fsr-3469	119	9	select	select	VERB
fsr-3469	119	10	the	the	DET
fsr-3469	119	11	degree	degree	NOUN
fsr-3469	119	12	to	to	PART
fsr-3469	119	13	which	which	PRON
fsr-3469	119	14	each	each	PRON
fsr-3469	119	15	of	of	ADP
fsr-3469	119	16	the	the	DET
fsr-3469	119	17	following	following	ADJ
fsr-3469	119	18	statements	statement	NOUN
fsr-3469	119	19	best	well	ADV
fsr-3469	119	20	represents	represent	VERB
fsr-3469	119	21	their	their	PRON
fsr-3469	119	22	opinion	opinion	NOUN
fsr-3469	119	23	.	.	PUNCT
fsr-3469	120	1	the	the	DET
fsr-3469	120	2	options	option	NOUN
fsr-3469	120	3	were	be	AUX
fsr-3469	120	4	presented	present	VERB
fsr-3469	120	5	as	as	ADP
fsr-3469	120	6	a	a	DET
fsr-3469	120	7	four	four	NUM
fsr-3469	120	8	-	-	PUNCT
fsr-3469	120	9	item	item	NOUN
fsr-3469	120	10	likert	likert	ADJ
fsr-3469	120	11	scale	scale	NOUN
fsr-3469	120	12	ranging	range	VERB
fsr-3469	120	13	from	from	ADP
fsr-3469	120	14	strongly	strongly	ADV
fsr-3469	120	15	disagree	disagree	VERB
fsr-3469	120	16	(	(	PUNCT
fsr-3469	120	17	score	score	NOUN
fsr-3469	120	18	of	of	ADP
fsr-3469	120	19	1	1	NUM
fsr-3469	120	20	)	)	PUNCT
fsr-3469	120	21	to	to	PART
fsr-3469	120	22	strongly	strongly	ADV
fsr-3469	120	23	agree	agree	VERB
fsr-3469	120	24	(	(	PUNCT
fsr-3469	120	25	score	score	NOUN
fsr-3469	120	26	of	of	ADP
fsr-3469	120	27	4	4	NUM
fsr-3469	120	28	)	)	PUNCT
fsr-3469	120	29	.	.	PUNCT
fsr-3469	121	1	for	for	ADP
fsr-3469	121	2	example	example	NOUN
fsr-3469	121	3	,	,	PUNCT
fsr-3469	121	4	one	one	NUM
fsr-3469	121	5	potential	potential	ADJ
fsr-3469	121	6	question	question	NOUN
fsr-3469	121	7	would	would	AUX
fsr-3469	121	8	read	read	VERB
fsr-3469	121	9	:	:	PUNCT
fsr-3469	121	10	“	"	PUNCT
fsr-3469	121	11	i	i	PRON
fsr-3469	121	12	have	have	AUX
fsr-3469	121	13	participated	participate	VERB
fsr-3469	121	14	in	in	ADP
fsr-3469	121	15	popular	popular	ADJ
fsr-3469	121	16	investment	investment	NOUN
fsr-3469	121	17	strategies	strategy	NOUN
fsr-3469	121	18	because	because	SCONJ
fsr-3469	121	19	i	i	PRON
fsr-3469	121	20	did	do	AUX
fsr-3469	121	21	not	not	PART
fsr-3469	121	22	want	want	VERB
fsr-3469	121	23	to	to	PART
fsr-3469	121	24	miss	miss	VERB
fsr-3469	121	25	out	out	ADP
fsr-3469	121	26	on	on	ADP
fsr-3469	121	27	the	the	DET
fsr-3469	121	28	opportunity	opportunity	NOUN
fsr-3469	121	29	.	.	PUNCT
fsr-3469	121	30	”	"	PUNCT
fsr-3469	122	1	the	the	DET
fsr-3469	122	2	average	average	ADJ
fsr-3469	122	3	financial	financial	ADJ
fsr-3469	122	4	bias	bias	NOUN
fsr-3469	122	5	score	score	NOUN
fsr-3469	122	6	of	of	ADP
fsr-3469	122	7	2.13	2.13	NUM
fsr-3469	122	8	.	.	PUNCT
fsr-3469	123	1	the	the	DET
fsr-3469	123	2	scale	scale	NOUN
fsr-3469	123	3	midpoint	midpoint	NOUN
fsr-3469	123	4	is	be	AUX
fsr-3469	123	5	2.5	2.5	NUM
fsr-3469	123	6	.	.	PUNCT
fsr-3469	124	1	participants	participant	NOUN
fsr-3469	124	2	perceive	perceive	VERB
fsr-3469	124	3	themselves	themselves	PRON
fsr-3469	124	4	with	with	ADP
fsr-3469	124	5	slightly	slightly	ADV
fsr-3469	124	6	below	below	ADP
fsr-3469	124	7	average	average	ADJ
fsr-3469	124	8	levels	level	NOUN
fsr-3469	124	9	of	of	ADP
fsr-3469	124	10	financial	financial	ADJ
fsr-3469	124	11	biases	bias	NOUN
fsr-3469	124	12	.	.	PUNCT
fsr-3469	125	1	we	we	PRON
fsr-3469	125	2	recognize	recognize	VERB
fsr-3469	125	3	the	the	DET
fsr-3469	125	4	potential	potential	NOUN
fsr-3469	125	5	for	for	ADP
fsr-3469	125	6	a	a	DET
fsr-3469	125	7	social	social	ADJ
fsr-3469	125	8	desirability	desirability	NOUN
fsr-3469	125	9	bias	bias	NOUN
fsr-3469	125	10	with	with	ADP
fsr-3469	125	11	this	this	DET
fsr-3469	125	12	question	question	NOUN
fsr-3469	125	13	set	set	VERB
fsr-3469	125	14	and	and	CCONJ
fsr-3469	125	15	discuss	discuss	VERB
fsr-3469	125	16	it	it	PRON
fsr-3469	125	17	in	in	ADP
fsr-3469	125	18	the	the	DET
fsr-3469	125	19	results	result	NOUN
fsr-3469	125	20	section	section	NOUN
fsr-3469	125	21	.	.	PUNCT
fsr-3469	126	1	we	we	PRON
fsr-3469	126	2	measure	measure	VERB
fsr-3469	126	3	inertia	inertia	NOUN
fsr-3469	126	4	by	by	ADP
fsr-3469	126	5	asking	ask	VERB
fsr-3469	126	6	how	how	SCONJ
fsr-3469	126	7	long	long	ADV
fsr-3469	126	8	it	it	PRON
fsr-3469	126	9	took	take	VERB
fsr-3469	126	10	a	a	DET
fsr-3469	126	11	participant	participant	NOUN
fsr-3469	126	12	to	to	PART
fsr-3469	126	13	act	act	VERB
fsr-3469	126	14	after	after	ADP
fsr-3469	126	15	acknowledging	acknowledge	VERB
fsr-3469	126	16	a	a	DET
fsr-3469	126	17	need	need	NOUN
fsr-3469	126	18	for	for	ADP
fsr-3469	126	19	an	an	DET
fsr-3469	126	20	investment	investment	NOUN
fsr-3469	126	21	or	or	CCONJ
fsr-3469	126	22	financial	financial	ADJ
fsr-3469	126	23	planning	planning	NOUN
fsr-3469	126	24	adjustment	adjustment	NOUN
fsr-3469	126	25	.	.	PUNCT
fsr-3469	127	1	categorized	categorize	VERB
fsr-3469	127	2	responses	response	NOUN
fsr-3469	127	3	for	for	ADP
fsr-3469	127	4	both	both	DET
fsr-3469	127	5	questions	question	NOUN
fsr-3469	127	6	ranged	range	VERB
fsr-3469	127	7	from	from	ADP
fsr-3469	127	8	1	1	NUM
fsr-3469	127	9	to	to	PART
fsr-3469	127	10	5	5	NUM
fsr-3469	127	11	:	:	PUNCT
fsr-3469	127	12	(	(	PUNCT
fsr-3469	127	13	1	1	X
fsr-3469	127	14	)	)	PUNCT
fsr-3469	127	15	less	less	ADJ
fsr-3469	127	16	than	than	ADP
fsr-3469	127	17	three	three	NUM
fsr-3469	127	18	months	month	NOUN
fsr-3469	127	19	;	;	PUNCT
fsr-3469	127	20	(	(	PUNCT
fsr-3469	127	21	2	2	X
fsr-3469	127	22	)	)	PUNCT
fsr-3469	127	23	three	three	NUM
fsr-3469	127	24	to	to	PART
fsr-3469	127	25	six	six	NUM
fsr-3469	127	26	months	month	NOUN
fsr-3469	127	27	;	;	PUNCT
fsr-3469	127	28	(	(	PUNCT
fsr-3469	127	29	3	3	X
fsr-3469	127	30	)	)	PUNCT
fsr-3469	127	31	six	six	NUM
fsr-3469	127	32	to	to	PART
fsr-3469	127	33	12	12	NUM
fsr-3469	127	34	months	month	NOUN
fsr-3469	127	35	;	;	PUNCT
fsr-3469	127	36	(	(	PUNCT
fsr-3469	127	37	4	4	X
fsr-3469	127	38	)	)	PUNCT
fsr-3469	127	39	one	one	NUM
fsr-3469	127	40	to	to	ADP
fsr-3469	127	41	two	two	NUM
fsr-3469	127	42	years	year	NOUN
fsr-3469	127	43	;	;	PUNCT
fsr-3469	127	44	(	(	PUNCT
fsr-3469	127	45	5	5	X
fsr-3469	127	46	)	)	PUNCT
fsr-3469	127	47	more	more	ADJ
fsr-3469	127	48	than	than	ADP
fsr-3469	127	49	two	two	NUM
fsr-3469	127	50	years	year	NOUN
fsr-3469	127	51	.	.	PUNCT
fsr-3469	128	1	the	the	DET
fsr-3469	128	2	mean	mean	ADJ
fsr-3469	128	3	inertia	inertia	NOUN
fsr-3469	128	4	score	score	NOUN
fsr-3469	128	5	of	of	ADP
fsr-3469	128	6	1.27	1.27	NUM
fsr-3469	128	7	indicates	indicate	VERB
fsr-3469	128	8	that	that	SCONJ
fsr-3469	128	9	it	it	PRON
fsr-3469	128	10	takes	take	VERB
fsr-3469	128	11	our	our	PRON
fsr-3469	128	12	participants	participant	NOUN
fsr-3469	128	13	,	,	PUNCT
fsr-3469	128	14	on	on	ADP
fsr-3469	128	15	average	average	ADJ
fsr-3469	128	16	,	,	PUNCT
fsr-3469	128	17	a	a	DET
fsr-3469	128	18	little	little	ADJ
fsr-3469	128	19	more	more	ADJ
fsr-3469	128	20	than	than	ADP
fsr-3469	128	21	three	three	NUM
fsr-3469	128	22	months	month	NOUN
fsr-3469	128	23	to	to	PART
fsr-3469	128	24	address	address	VERB
fsr-3469	128	25	any	any	DET
fsr-3469	128	26	needed	need	VERB
fsr-3469	128	27	adjustments	adjustment	NOUN
fsr-3469	128	28	to	to	ADP
fsr-3469	128	29	their	their	PRON
fsr-3469	128	30	investments	investment	NOUN
fsr-3469	128	31	and	and	CCONJ
fsr-3469	128	32	plans	plan	NOUN
fsr-3469	128	33	.	.	PUNCT
fsr-3469	129	1	we	we	PRON
fsr-3469	129	2	include	include	VERB
fsr-3469	129	3	inertia	inertia	NOUN
fsr-3469	129	4	in	in	ADP
fsr-3469	129	5	our	our	PRON
fsr-3469	129	6	exploratory	exploratory	ADJ
fsr-3469	129	7	factor	factor	NOUN
fsr-3469	129	8	analysis	analysis	NOUN
fsr-3469	129	9	of	of	ADP
fsr-3469	129	10	our	our	PRON
fsr-3469	129	11	financial	financial	ADJ
fsr-3469	129	12	biases	bias	NOUN
fsr-3469	129	13	item	item	PROPN
fsr-3469	129	14	set	set	VERB
fsr-3469	129	15	since	since	SCONJ
fsr-3469	129	16	inertia	inertia	NOUN
fsr-3469	129	17	may	may	AUX
fsr-3469	129	18	be	be	AUX
fsr-3469	129	19	influenced	influence	VERB
fsr-3469	129	20	by	by	ADP
fsr-3469	129	21	other	other	ADJ
fsr-3469	129	22	heuristics	heuristic	NOUN
fsr-3469	129	23	.	.	PUNCT
fsr-3469	130	1	results	result	NOUN
fsr-3469	130	2	in	in	ADP
fsr-3469	130	3	table	table	NOUN
fsr-3469	130	4	3	3	NUM
fsr-3469	130	5	indicate	indicate	VERB
fsr-3469	130	6	that	that	SCONJ
fsr-3469	130	7	the	the	DET
fsr-3469	130	8	different	different	ADJ
fsr-3469	130	9	financial	financial	ADJ
fsr-3469	130	10	biases	bias	NOUN
fsr-3469	130	11	largely	largely	ADV
fsr-3469	130	12	present	present	ADJ
fsr-3469	130	13	as	as	ADP
fsr-3469	130	14	one	one	NUM
fsr-3469	130	15	overall	overall	ADJ
fsr-3469	130	16	factor	factor	NOUN
fsr-3469	130	17	with	with	ADP
fsr-3469	130	18	an	an	DET
fsr-3469	130	19	eigenvalue	eigenvalue	NOUN
fsr-3469	130	20	of	of	ADP
fsr-3469	130	21	7.24	7.24	NUM
fsr-3469	130	22	.	.	PUNCT
fsr-3469	131	1	while	while	SCONJ
fsr-3469	131	2	we	we	PRON
fsr-3469	131	3	expected	expect	VERB
fsr-3469	131	4	the	the	DET
fsr-3469	131	5	various	various	ADJ
fsr-3469	131	6	financial	financial	ADJ
fsr-3469	131	7	biases	bias	NOUN
fsr-3469	131	8	to	to	PART
fsr-3469	131	9	present	present	VERB
fsr-3469	131	10	as	as	ADP
fsr-3469	131	11	separate	separate	ADJ
fsr-3469	131	12	and	and	CCONJ
fsr-3469	131	13	distinct	distinct	ADJ
fsr-3469	131	14	constructs	construct	NOUN
fsr-3469	131	15	,	,	PUNCT
fsr-3469	131	16	the	the	DET
fsr-3469	131	17	data	datum	NOUN
fsr-3469	131	18	indicate	indicate	VERB
fsr-3469	131	19	that	that	SCONJ
fsr-3469	131	20	the	the	DET
fsr-3469	131	21	varied	varied	ADJ
fsr-3469	131	22	biases	bias	NOUN
fsr-3469	131	23	manifest	manifest	VERB
fsr-3469	131	24	as	as	ADP
fsr-3469	131	25	a	a	DET
fsr-3469	131	26	singular	singular	ADJ
fsr-3469	131	27	construct	construct	NOUN
fsr-3469	131	28	of	of	ADP
fsr-3469	131	29	overall	overall	ADJ
fsr-3469	131	30	financial	financial	ADJ
fsr-3469	131	31	heuristics	heuristic	NOUN
fsr-3469	131	32	.	.	PUNCT
fsr-3469	132	1	hindsight	hindsight	ADJ
fsr-3469	132	2	,	,	PUNCT
fsr-3469	132	3	affinity	affinity	NOUN
fsr-3469	132	4	,	,	PUNCT
fsr-3469	132	5	gamblers	gambler	NOUN
fsr-3469	132	6	fallacy	fallacy	NOUN
fsr-3469	132	7	,	,	PUNCT
fsr-3469	132	8	and	and	CCONJ
fsr-3469	132	9	survivorship	survivorship	NOUN
fsr-3469	132	10	biases	bias	NOUN
fsr-3469	132	11	present	present	ADJ
fsr-3469	132	12	with	with	ADP
fsr-3469	132	13	the	the	DET
fsr-3469	132	14	highest	high	ADJ
fsr-3469	132	15	factor	factor	NOUN
fsr-3469	132	16	loadings	loading	NOUN
fsr-3469	132	17	in	in	ADP
fsr-3469	132	18	the	the	DET
fsr-3469	132	19	first	first	ADJ
fsr-3469	132	20	column	column	NOUN
fsr-3469	132	21	of	of	ADP
fsr-3469	132	22	table	table	NOUN
fsr-3469	132	23	3	3	NUM
fsr-3469	132	24	.	.	PUNCT
fsr-3469	133	1	while	while	SCONJ
fsr-3469	133	2	herd	herd	NOUN
fsr-3469	133	3	mentality	mentality	NOUN
fsr-3469	133	4	questions	question	NOUN
fsr-3469	133	5	are	be	AUX
fsr-3469	133	6	present	present	ADJ
fsr-3469	133	7	in	in	ADP
fsr-3469	133	8	the	the	DET
fsr-3469	133	9	second	second	ADJ
fsr-3469	133	10	factor	factor	NOUN
fsr-3469	133	11	construct	construct	NOUN
fsr-3469	133	12	,	,	PUNCT
fsr-3469	133	13	the	the	DET
fsr-3469	133	14	items	item	NOUN
fsr-3469	133	15	detailing	detail	VERB
fsr-3469	133	16	this	this	DET
fsr-3469	133	17	bias	bias	NOUN
fsr-3469	133	18	has	have	VERB
fsr-3469	133	19	significant	significant	ADJ
fsr-3469	133	20	cross	cross	NOUN
fsr-3469	133	21	factor	factor	NOUN
fsr-3469	133	22	loadings	loading	NOUN
fsr-3469	133	23	with	with	ADP
fsr-3469	133	24	the	the	DET
fsr-3469	133	25	first	first	ADJ
fsr-3469	133	26	and	and	CCONJ
fsr-3469	133	27	third	third	ADJ
fsr-3469	133	28	factors	factor	NOUN
fsr-3469	133	29	as	as	ADV
fsr-3469	133	30	well	well	ADV
fsr-3469	133	31	.	.	PUNCT
fsr-3469	134	1	inertia	inertia	NOUN
fsr-3469	134	2	did	do	AUX
fsr-3469	134	3	not	not	PART
fsr-3469	134	4	cross	cross	VERB
fsr-3469	134	5	load	load	NOUN
fsr-3469	134	6	with	with	ADP
fsr-3469	134	7	the	the	DET
fsr-3469	134	8	first	first	ADJ
fsr-3469	134	9	factor	factor	NOUN
fsr-3469	134	10	structure	structure	NOUN
fsr-3469	134	11	and	and	CCONJ
fsr-3469	134	12	loads	load	VERB
fsr-3469	134	13	separately	separately	ADV
fsr-3469	134	14	as	as	ADP
fsr-3469	134	15	its	its	PRON
fsr-3469	134	16	own	own	ADJ
fsr-3469	134	17	distinct	distinct	ADJ
fsr-3469	134	18	factor	factor	NOUN
fsr-3469	134	19	with	with	ADP
fsr-3469	134	20	an	an	DET
fsr-3469	134	21	eigenvalue	eigenvalue	NOUN
fsr-3469	134	22	of	of	ADP
fsr-3469	134	23	1.45	1.45	NUM
fsr-3469	134	24	.	.	PUNCT
fsr-3469	135	1	the	the	DET
fsr-3469	135	2	data	datum	NOUN
fsr-3469	135	3	indicate	indicate	VERB
fsr-3469	135	4	that	that	SCONJ
fsr-3469	135	5	the	the	DET
fsr-3469	135	6	financial	financial	ADJ
fsr-3469	135	7	biases	bias	NOUN
fsr-3469	135	8	present	present	ADJ
fsr-3469	135	9	as	as	ADP
fsr-3469	135	10	a	a	DET
fsr-3469	135	11	single	single	ADJ
fsr-3469	135	12	generalized	generalized	ADJ
fsr-3469	135	13	level	level	NOUN
fsr-3469	135	14	of	of	ADP
fsr-3469	135	15	psychological	psychological	ADJ
fsr-3469	135	16	noise	noise	NOUN
fsr-3469	135	17	.	.	PUNCT
fsr-3469	136	1	the	the	PRON
fsr-3469	136	2	higher	high	ADJ
fsr-3469	136	3	the	the	DET
fsr-3469	136	4	score	score	NOUN
fsr-3469	136	5	on	on	ADP
fsr-3469	136	6	their	their	PRON
fsr-3469	136	7	financial	financial	ADJ
fsr-3469	136	8	bias	bias	NOUN
fsr-3469	136	9	scale	scale	NOUN
fsr-3469	136	10	,	,	PUNCT
fsr-3469	136	11	the	the	PRON
fsr-3469	136	12	greater	great	ADJ
fsr-3469	136	13	the	the	DET
fsr-3469	136	14	tendency	tendency	NOUN
fsr-3469	136	15	to	to	PART
fsr-3469	136	16	rely	rely	VERB
fsr-3469	136	17	on	on	ADP
fsr-3469	136	18	heuristics	heuristic	NOUN
fsr-3469	136	19	for	for	ADP
fsr-3469	136	20	financial	financial	ADJ
fsr-3469	136	21	decisions	decision	NOUN
fsr-3469	136	22	.	.	PUNCT
fsr-3469	137	1	it	it	PRON
fsr-3469	137	2	is	be	AUX
fsr-3469	137	3	also	also	ADV
fsr-3469	137	4	interesting	interesting	ADJ
fsr-3469	137	5	that	that	SCONJ
fsr-3469	137	6	our	our	PRON
fsr-3469	137	7	two	two	NUM
fsr-3469	137	8	-	-	PUNCT
fsr-3469	137	9	item	item	NOUN
fsr-3469	137	10	inertia	inertia	NOUN
fsr-3469	137	11	checklist	checklist	NOUN
fsr-3469	137	12	loaded	load	VERB
fsr-3469	137	13	as	as	ADP
fsr-3469	137	14	a	a	DET
fsr-3469	137	15	separate	separate	ADJ
fsr-3469	137	16	factor	factor	NOUN
fsr-3469	137	17	and	and	CCONJ
fsr-3469	137	18	did	do	AUX
fsr-3469	137	19	not	not	PART
fsr-3469	137	20	combine	combine	VERB
fsr-3469	137	21	within	within	ADP
fsr-3469	137	22	the	the	DET
fsr-3469	137	23	first	first	ADJ
fsr-3469	137	24	factor	factor	NOUN
fsr-3469	137	25	structure	structure	NOUN
fsr-3469	137	26	along	along	ADP
fsr-3469	137	27	with	with	ADP
fsr-3469	137	28	the	the	DET
fsr-3469	137	29	majority	majority	NOUN
fsr-3469	137	30	of	of	ADP
fsr-3469	137	31	the	the	DET
fsr-3469	137	32	financial	financial	ADJ
fsr-3469	137	33	bias	bias	NOUN
fsr-3469	137	34	items	item	NOUN
fsr-3469	137	35	.	.	PUNCT
fsr-3469	138	1	this	this	PRON
fsr-3469	138	2	supports	support	VERB
fsr-3469	138	3	inertia	inertia	NOUN
fsr-3469	138	4	as	as	ADP
fsr-3469	138	5	a	a	DET
fsr-3469	138	6	separate	separate	ADJ
fsr-3469	138	7	construct	construct	NOUN
fsr-3469	138	8	from	from	ADP
fsr-3469	138	9	the	the	DET
fsr-3469	138	10	other	other	ADJ
fsr-3469	138	11	financial	financial	ADJ
fsr-3469	138	12	biases	bias	NOUN
fsr-3469	138	13	.	.	PUNCT
fsr-3469	139	1	the	the	DET
fsr-3469	139	2	final	final	ADJ
fsr-3469	139	3	financial	financial	ADJ
fsr-3469	139	4	bias	bias	NOUN
fsr-3469	139	5	item	item	NOUN
fsr-3469	139	6	set	set	NOUN
fsr-3469	139	7	is	be	AUX
fsr-3469	139	8	presented	present	VERB
fsr-3469	139	9	in	in	ADP
fsr-3469	139	10	bold	bold	ADJ
fsr-3469	139	11	.	.	PUNCT
fsr-3469	140	1	the	the	DET
fsr-3469	140	2	financial	financial	ADJ
fsr-3469	140	3	bias	bias	NOUN
fsr-3469	140	4	scale	scale	NOUN
fsr-3469	140	5	has	have	VERB
fsr-3469	140	6	a	a	DET
fsr-3469	140	7	cronbach	cronbach	NOUN
fsr-3469	140	8	’s	’s	NOUN
fsr-3469	140	9	a	a	DET
fsr-3469	140	10	score	score	NOUN
fsr-3469	140	11	of	of	ADP
fsr-3469	140	12	.82	.82	NUM
fsr-3469	140	13	.	.	PUNCT
fsr-3469	141	1	with	with	ADP
fsr-3469	141	2	respect	respect	NOUN
fsr-3469	141	3	to	to	ADP
fsr-3469	141	4	retest	retest	NOUN
fsr-3469	141	5	,	,	PUNCT
fsr-3469	141	6	the	the	DET
fsr-3469	141	7	pearson	pearson	PROPN
fsr-3469	141	8	correlation	correlation	NOUN
fsr-3469	141	9	coefficient	coefficient	NOUN
fsr-3469	141	10	is	be	AUX
fsr-3469	141	11	0.80	0.80	NUM
fsr-3469	141	12	(	(	PUNCT
fsr-3469	141	13	p	p	X
fsr-3469	141	14	<	<	X
fsr-3469	141	15	.0001	.0001	NOUN
fsr-3469	141	16	)	)	PUNCT
fsr-3469	141	17	.	.	PUNCT
fsr-3469	142	1	this	this	PRON
fsr-3469	142	2	supports	support	VERB
fsr-3469	142	3	excellent	excellent	ADJ
fsr-3469	142	4	internal	internal	ADJ
fsr-3469	142	5	reliability	reliability	NOUN
fsr-3469	142	6	and	and	CCONJ
fsr-3469	142	7	very	very	ADV
fsr-3469	142	8	good	good	ADJ
fsr-3469	142	9	consistency	consistency	NOUN
fsr-3469	142	10	between	between	ADP
fsr-3469	142	11	the	the	DET
fsr-3469	142	12	time	time	NOUN
fsr-3469	142	13	periods	period	NOUN
fsr-3469	142	14	measured	measure	VERB
fsr-3469	142	15	,	,	PUNCT
fsr-3469	142	16	especially	especially	ADV
fsr-3469	142	17	during	during	ADP
fsr-3469	142	18	the	the	DET
fsr-3469	142	19	emotionally	emotionally	ADV
fsr-3469	142	20	charged	charge	VERB
fsr-3469	142	21	time	time	NOUN
fsr-3469	142	22	period	period	NOUN
fsr-3469	142	23	measured	measure	VERB
fsr-3469	142	24	as	as	ADP
fsr-3469	142	25	a	a	DET
fsr-3469	142	26	result	result	NOUN
fsr-3469	142	27	of	of	ADP
fsr-3469	142	28	the	the	DET
fsr-3469	142	29	covid	covid	PROPN
fsr-3469	142	30	pandemic	pandemic	NOUN
fsr-3469	142	31	.	.	PUNCT
fsr-3469	143	1	3.4	3.4	NUM
fsr-3469	143	2	.	.	PUNCT
fsr-3469	143	3	retirement	retirement	NOUN
fsr-3469	143	4	income	income	NOUN
fsr-3469	143	5	self	self	NOUN
fsr-3469	143	6	-	-	PUNCT
fsr-3469	143	7	efficacy	efficacy	NOUN
fsr-3469	143	8	while	while	SCONJ
fsr-3469	143	9	there	there	PRON
fsr-3469	143	10	are	be	VERB
fsr-3469	143	11	self	self	NOUN
fsr-3469	143	12	-	-	PUNCT
fsr-3469	143	13	efficacy	efficacy	NOUN
fsr-3469	143	14	scales	scale	NOUN
fsr-3469	143	15	that	that	PRON
fsr-3469	143	16	measure	measure	VERB
fsr-3469	143	17	financial	financial	ADJ
fsr-3469	143	18	attitudes	attitude	NOUN
fsr-3469	143	19	(	(	PUNCT
fsr-3469	143	20	lown	lown	PROPN
fsr-3469	143	21	,	,	PUNCT
fsr-3469	143	22	2011	2011	NUM
fsr-3469	143	23	)	)	PUNCT
fsr-3469	143	24	,	,	PUNCT
fsr-3469	143	25	there	there	PRON
fsr-3469	143	26	is	be	VERB
fsr-3469	143	27	not	not	PART
fsr-3469	143	28	one	one	NUM
fsr-3469	143	29	addressing	address	VERB
fsr-3469	143	30	the	the	DET
fsr-3469	143	31	retirement	retirement	NOUN
fsr-3469	143	32	income	income	NOUN
fsr-3469	143	33	planning	planning	NOUN
fsr-3469	143	34	domain	domain	NOUN
fsr-3469	143	35	.	.	PUNCT
fsr-3469	144	1	lown	lown	PROPN
fsr-3469	144	2	’s	’s	PART
fsr-3469	144	3	(	(	PUNCT
fsr-3469	144	4	2011	2011	NUM
fsr-3469	144	5	)	)	PUNCT
fsr-3469	144	6	six	six	NUM
fsr-3469	144	7	-	-	PUNCT
fsr-3469	144	8	item	item	NOUN
fsr-3469	144	9	scale	scale	NOUN
fsr-3469	144	10	is	be	AUX
fsr-3469	144	11	a.	a.	PROPN
fsr-3469	144	12	murgua	murgua	PROPN
fsr-3469	144	13	and	and	CCONJ
fsr-3469	144	14	w.	w.	PROPN
fsr-3469	144	15	pfau	pfau	PROPN
fsr-3469	144	16	/	/	SYM
fsr-3469	144	17	financial	financial	ADJ
fsr-3469	144	18	services	service	NOUN
fsr-3469	144	19	review	review	VERB
fsr-3469	144	20	30	30	NUM
fsr-3469	144	21	(	(	PUNCT
fsr-3469	144	22	2022	2022	NUM
fsr-3469	144	23	)	)	PUNCT
fsr-3469	144	24	1–29	1–29	PROPN
fsr-3469	144	25	7	7	NUM
fsr-3469	144	26	limited	limit	VERB
fsr-3469	144	27	to	to	ADP
fsr-3469	144	28	one	one	NUM
fsr-3469	144	29	-	-	PUNCT
fsr-3469	144	30	item	item	NOUN
fsr-3469	144	31	detailing	detail	VERB
fsr-3469	144	32	retirement	retirement	NOUN
fsr-3469	144	33	income	income	NOUN
fsr-3469	144	34	(	(	PUNCT
fsr-3469	144	35	i.e.	i.e.	X
fsr-3469	144	36	,	,	PUNCT
fsr-3469	144	37	i	i	PRON
fsr-3469	144	38	worry	worry	VERB
fsr-3469	144	39	about	about	ADP
fsr-3469	144	40	running	run	VERB
fsr-3469	144	41	out	out	ADP
fsr-3469	144	42	of	of	ADP
fsr-3469	144	43	money	money	NOUN
fsr-3469	144	44	in	in	ADP
fsr-3469	144	45	retirement	retirement	NOUN
fsr-3469	144	46	.	.	PUNCT
fsr-3469	144	47	)	)	PUNCT
fsr-3469	144	48	.	.	PUNCT
fsr-3469	145	1	our	our	PRON
fsr-3469	145	2	retirement	retirement	NOUN
fsr-3469	145	3	income	income	NOUN
fsr-3469	145	4	self	self	NOUN
fsr-3469	145	5	-	-	PUNCT
fsr-3469	145	6	efficacy	efficacy	NOUN
fsr-3469	145	7	scale	scale	NOUN
fsr-3469	145	8	further	far	ADV
fsr-3469	145	9	expands	expand	VERB
fsr-3469	145	10	the	the	DET
fsr-3469	145	11	retirement	retirement	NOUN
fsr-3469	145	12	income	income	NOUN
fsr-3469	145	13	theme	theme	NOUN
fsr-3469	145	14	.	.	PUNCT
fsr-3469	146	1	we	we	PRON
fsr-3469	146	2	model	model	VERB
fsr-3469	146	3	our	our	PRON
fsr-3469	146	4	retirement	retirement	NOUN
fsr-3469	146	5	income	income	NOUN
fsr-3469	146	6	self	self	NOUN
fsr-3469	146	7	-	-	PUNCT
fsr-3469	146	8	efficacy	efficacy	NOUN
fsr-3469	146	9	scale	scale	NOUN
fsr-3469	146	10	after	after	ADP
fsr-3469	146	11	badura	badura	NOUN
fsr-3469	146	12	’s	’s	PART
fsr-3469	146	13	guide	guide	NOUN
fsr-3469	146	14	for	for	ADP
fsr-3469	146	15	constructing	construct	VERB
fsr-3469	146	16	self	self	NOUN
fsr-3469	146	17	-	-	PUNCT
fsr-3469	146	18	efficacy	efficacy	NOUN
fsr-3469	146	19	scales	scale	NOUN
fsr-3469	146	20	(	(	PUNCT
fsr-3469	146	21	bandura	bandura	NOUN
fsr-3469	146	22	,	,	PUNCT
fsr-3469	146	23	2006	2006	NUM
fsr-3469	146	24	)	)	PUNCT
fsr-3469	146	25	.	.	PUNCT
fsr-3469	147	1	participants	participant	NOUN
fsr-3469	147	2	were	be	AUX
fsr-3469	147	3	shown	show	VERB
fsr-3469	147	4	statements	statement	NOUN
fsr-3469	147	5	detailing	detail	VERB
fsr-3469	147	6	potential	potential	ADJ
fsr-3469	147	7	hurdles	hurdle	NOUN
fsr-3469	147	8	when	when	SCONJ
fsr-3469	147	9	implementing	implement	VERB
fsr-3469	147	10	a	a	DET
fsr-3469	147	11	retirement	retirement	NOUN
fsr-3469	147	12	income	income	NOUN
fsr-3469	147	13	plan	plan	NOUN
fsr-3469	147	14	.	.	PUNCT
fsr-3469	148	1	they	they	PRON
fsr-3469	148	2	were	be	AUX
fsr-3469	148	3	then	then	ADV
fsr-3469	148	4	asked	ask	VERB
fsr-3469	148	5	to	to	PART
fsr-3469	148	6	rate	rate	VERB
fsr-3469	148	7	how	how	SCONJ
fsr-3469	148	8	certain	certain	ADJ
fsr-3469	148	9	they	they	PRON
fsr-3469	148	10	were	be	AUX
fsr-3469	148	11	in	in	ADP
fsr-3469	148	12	believing	believe	VERB
fsr-3469	148	13	they	they	PRON
fsr-3469	148	14	could	could	AUX
fsr-3469	148	15	overcome	overcome	VERB
fsr-3469	148	16	each	each	DET
fsr-3469	148	17	situation	situation	NOUN
fsr-3469	148	18	described	describe	VERB
fsr-3469	148	19	.	.	PUNCT
fsr-3469	149	1	they	they	PRON
fsr-3469	149	2	rated	rate	VERB
fsr-3469	149	3	themselves	themselves	PRON
fsr-3469	149	4	on	on	ADP
fsr-3469	149	5	a	a	DET
fsr-3469	149	6	six	six	NUM
fsr-3469	149	7	-	-	PUNCT
fsr-3469	149	8	point	point	NOUN
fsr-3469	149	9	likert	likert	ADJ
fsr-3469	149	10	scale	scale	NOUN
fsr-3469	149	11	ranging	range	VERB
fsr-3469	149	12	from	from	ADP
fsr-3469	149	13	strongly	strongly	ADV
fsr-3469	149	14	disagree	disagree	VERB
fsr-3469	149	15	to	to	PART
fsr-3469	149	16	strongly	strongly	ADV
fsr-3469	149	17	agree	agree	VERB
fsr-3469	149	18	.	.	PUNCT
fsr-3469	150	1	the	the	DET
fsr-3469	150	2	mean	mean	ADJ
fsr-3469	150	3	self	self	NOUN
fsr-3469	150	4	-	-	PUNCT
fsr-3469	150	5	efficacy	efficacy	NOUN
fsr-3469	150	6	score	score	NOUN
fsr-3469	150	7	of	of	ADP
fsr-3469	150	8	4.39	4.39	NUM
fsr-3469	150	9	suggests	suggest	VERB
fsr-3469	150	10	that	that	SCONJ
fsr-3469	150	11	most	most	ADJ
fsr-3469	150	12	participants	participant	NOUN
fsr-3469	150	13	felt	feel	VERB
fsr-3469	150	14	fairly	fairly	ADV
fsr-3469	150	15	confident	confident	ADJ
fsr-3469	150	16	about	about	ADP
fsr-3469	150	17	their	their	PRON
fsr-3469	150	18	ability	ability	NOUN
fsr-3469	150	19	to	to	PART
fsr-3469	150	20	implement	implement	VERB
fsr-3469	150	21	their	their	PRON
fsr-3469	150	22	retirement	retirement	NOUN
fsr-3469	150	23	income	income	NOUN
fsr-3469	150	24	plan	plan	NOUN
fsr-3469	150	25	.	.	PUNCT
fsr-3469	151	1	this	this	PRON
fsr-3469	151	2	was	be	AUX
fsr-3469	151	3	table	table	NOUN
fsr-3469	151	4	3	3	NUM
fsr-3469	151	5	exploratory	exploratory	ADJ
fsr-3469	151	6	factor	factor	NOUN
fsr-3469	151	7	analysis	analysis	NOUN
fsr-3469	151	8	,	,	PUNCT
fsr-3469	151	9	cronbach	cronbach	VERB
fsr-3469	151	10	’s	’s	NOUN
fsr-3469	151	11	a	a	DET
fsr-3469	151	12	,	,	PUNCT
fsr-3469	151	13	and	and	CCONJ
fsr-3469	151	14	pearson	pearson	PROPN
fsr-3469	151	15	correlation	correlation	NOUN
fsr-3469	151	16	coefficient	coefficient	NOUN
fsr-3469	151	17	for	for	ADP
fsr-3469	151	18	financial	financial	ADJ
fsr-3469	151	19	bias	bias	NOUN
fsr-3469	151	20	scale	scale	NOUN
fsr-3469	151	21	factor	factor	NOUN
fsr-3469	151	22	loadings	loading	NOUN
fsr-3469	151	23	for	for	ADP
fsr-3469	151	24	all	all	DET
fsr-3469	151	25	items	item	NOUN
fsr-3469	151	26	*	*	PUNCT
fsr-3469	151	27	*	*	NOUN
fsr-3469	151	28	factors	factor	NOUN
fsr-3469	151	29	eigenvalues	eigenvalue	VERB
fsr-3469	151	30	1	1	NUM
fsr-3469	151	31	7.24	7.24	NUM
fsr-3469	151	32	2	2	NUM
fsr-3469	151	33	1.55	1.55	NUM
fsr-3469	151	34	3	3	NUM
fsr-3469	151	35	1.45	1.45	NUM
fsr-3469	151	36	4	4	NUM
fsr-3469	151	37	1.38	1.38	NUM
fsr-3469	151	38	5	5	NUM
fsr-3469	151	39	1.18	1.18	NUM
fsr-3469	151	40	6	6	NUM
fsr-3469	151	41	1.09	1.09	NUM
fsr-3469	151	42	7	7	NUM
fsr-3469	151	43	1.05	1.05	NUM
fsr-3469	151	44	8	8	NUM
fsr-3469	151	45	1.04	1.04	NUM
fsr-3469	151	46	financial	financial	ADJ
fsr-3469	151	47	biases	bias	NOUN
fsr-3469	151	48	cronbach	cronbach	VERB
fsr-3469	151	49	’s	’s	PART
fsr-3469	151	50	coefficient	coefficient	NOUN
fsr-3469	151	51	a	a	DET
fsr-3469	151	52	*	*	PUNCT
fsr-3469	151	53	pearson	pearson	NOUN
fsr-3469	151	54	correlation	correlation	NOUN
fsr-3469	151	55	coefficient	coefficient	NOUN
fsr-3469	151	56	*	*	PUNCT
fsr-3469	151	57	0.82	0.82	NUM
fsr-3469	151	58	0.8	0.8	NUM
fsr-3469	151	59	hindsight	hindsight	ADJ
fsr-3469	151	60	2	2	NUM
fsr-3469	151	61	0.67	0.67	NUM
fsr-3469	151	62	hindsight	hindsight	ADJ
fsr-3469	151	63	1	1	NUM
fsr-3469	151	64	0.66	0.66	NUM
fsr-3469	151	65	hindsight	hindsight	ADJ
fsr-3469	151	66	3	3	NUM
fsr-3469	151	67	0.64	0.64	NUM
fsr-3469	151	68	gambler	gambler	NOUN
fsr-3469	151	69	's	's	PART
fsr-3469	151	70	fallacy	fallacy	NOUN
fsr-3469	151	71	1	1	NUM
fsr-3469	151	72	0.63	0.63	NUM
fsr-3469	151	73	affinity	affinity	NOUN
fsr-3469	151	74	4	4	NUM
fsr-3469	151	75	0.61	0.61	NUM
fsr-3469	151	76	gambler	gambler	NOUN
fsr-3469	151	77	's	's	PART
fsr-3469	151	78	fallacy	fallacy	NOUN
fsr-3469	151	79	4	4	NUM
fsr-3469	151	80	0.60	0.60	NUM
fsr-3469	151	81	survivorship	survivorship	NOUN
fsr-3469	151	82	bias	bias	NOUN
fsr-3469	151	83	2	2	NUM
fsr-3469	151	84	0.60	0.60	NUM
fsr-3469	151	85	survivorship	survivorship	NOUN
fsr-3469	151	86	bias	bias	NOUN
fsr-3469	151	87	3	3	NUM
fsr-3469	151	88	0.60	0.60	NUM
fsr-3469	151	89	survivorship	survivorship	NOUN
fsr-3469	151	90	bias	bias	NOUN
fsr-3469	151	91	1	1	NUM
fsr-3469	151	92	0.56	0.56	NUM
fsr-3469	151	93	herd	herd	NOUN
fsr-3469	151	94	mentality	mentality	NOUN
fsr-3469	151	95	4	4	NUM
fsr-3469	151	96	0.56	0.56	NUM
fsr-3469	151	97	survivorship	survivorship	NOUN
fsr-3469	151	98	bias	bias	NOUN
fsr-3469	151	99	4	4	NUM
fsr-3469	151	100	0.55	0.55	NUM
fsr-3469	151	101	gambler	gambler	NOUN
fsr-3469	151	102	’s	’s	PART
fsr-3469	151	103	fallacy	fallacy	NOUN
fsr-3469	151	104	2	2	NUM
fsr-3469	151	105	0.55	0.55	NUM
fsr-3469	151	106	affinity	affinity	NOUN
fsr-3469	151	107	1	1	NUM
fsr-3469	151	108	0.54	0.54	NUM
fsr-3469	151	109	endowment	endowment	NOUN
fsr-3469	151	110	1	1	NUM
fsr-3469	151	111	0.54	0.54	NUM
fsr-3469	151	112	affinity	affinity	NOUN
fsr-3469	151	113	3	3	NUM
fsr-3469	151	114	0.53	0.53	NUM
fsr-3469	151	115	herd	herd	NOUN
fsr-3469	151	116	mentality	mentality	NOUN
fsr-3469	151	117	1	1	NUM
fsr-3469	151	118	0.51	0.51	NUM
fsr-3469	151	119	herd	herd	NOUN
fsr-3469	151	120	mentality	mentality	NOUN
fsr-3469	151	121	3	3	NUM
fsr-3469	151	122	0.51	0.51	NUM
fsr-3469	151	123	0.43	0.43	NUM
fsr-3469	151	124	gambler	gambler	NOUN
fsr-3469	151	125	’s	’s	PART
fsr-3469	151	126	fallacy	fallacy	NOUN
fsr-3469	151	127	3	3	NUM
fsr-3469	151	128	0.43	0.43	NUM
fsr-3469	151	129	0.43	0.43	NUM
fsr-3469	151	130	endowment	endowment	NOUN
fsr-3469	151	131	3	3	NUM
fsr-3469	151	132	0.43	0.43	NUM
fsr-3469	151	133	recency	recency	NOUN
fsr-3469	151	134	3	3	NUM
fsr-3469	151	135	0.40	0.40	NUM
fsr-3469	151	136	endowment	endowment	NOUN
fsr-3469	151	137	4	4	NUM
fsr-3469	151	138	recency	recency	NOUN
fsr-3469	151	139	2	2	NUM
fsr-3469	151	140	herd	herd	NOUN
fsr-3469	151	141	mentality	mentality	NOUN
fsr-3469	151	142	2	2	NUM
fsr-3469	151	143	0.41	0.41	NUM
fsr-3469	151	144	affinity	affinity	NOUN
fsr-3469	151	145	2	2	NUM
fsr-3469	151	146	hindsight	hindsight	ADJ
fsr-3469	151	147	4	4	NUM
fsr-3469	151	148	0.48	0.48	NUM
fsr-3469	151	149	recency	recency	NOUN
fsr-3469	151	150	4	4	NUM
fsr-3469	151	151	0.44	0.44	NUM
fsr-3469	151	152	recency	recency	NOUN
fsr-3469	151	153	1	1	NUM
fsr-3469	151	154	inertia	inertia	NOUN
fsr-3469	151	155	*	*	PUNCT
fsr-3469	151	156	*	*	PUNCT
fsr-3469	151	157	*	*	X
fsr-3469	151	158	0.65	0.65	NUM
fsr-3469	151	159	inertia	inertia	NOUN
fsr-3469	151	160	*	*	PUNCT
fsr-3469	151	161	*	*	PUNCT
fsr-3469	151	162	*	*	PUNCT
fsr-3469	151	163	0.42	0.42	NUM
fsr-3469	151	164	0.62	0.62	NUM
fsr-3469	151	165	endowment	endowment	NOUN
fsr-3469	151	166	2	2	NUM
fsr-3469	151	167	note	note	NOUN
fsr-3469	151	168	.	.	PUNCT
fsr-3469	152	1	*	*	PUNCT
fsr-3469	152	2	cronbach	cronbach	VERB
fsr-3469	152	3	’s	’s	NOUN
fsr-3469	152	4	a	a	DET
fsr-3469	152	5	and	and	CCONJ
fsr-3469	152	6	pearson	pearson	NOUN
fsr-3469	152	7	correlation	correlation	NOUN
fsr-3469	152	8	coefficients	coefficient	NOUN
fsr-3469	152	9	selected	select	VERB
fsr-3469	152	10	for	for	ADP
fsr-3469	152	11	the	the	DET
fsr-3469	152	12	items	item	NOUN
fsr-3469	152	13	in	in	ADP
fsr-3469	152	14	bold	bold	ADJ
fsr-3469	152	15	.	.	PUNCT
fsr-3469	153	1	they	they	PRON
fsr-3469	153	2	represent	represent	VERB
fsr-3469	153	3	the	the	DET
fsr-3469	153	4	final	final	ADJ
fsr-3469	153	5	questions	question	NOUN
fsr-3469	153	6	for	for	ADP
fsr-3469	153	7	each	each	DET
fsr-3469	153	8	scale	scale	NOUN
fsr-3469	153	9	.	.	PUNCT
fsr-3469	154	1	*	*	PUNCT
fsr-3469	154	2	*	*	PUNCT
fsr-3469	154	3	only	only	ADJ
fsr-3469	154	4	factor	factor	NOUN
fsr-3469	154	5	loadings	loading	NOUN
fsr-3469	154	6	greater	great	ADJ
fsr-3469	154	7	or	or	CCONJ
fsr-3469	154	8	equal	equal	ADJ
fsr-3469	154	9	to	to	ADP
fsr-3469	154	10	0.40	0.40	NUM
fsr-3469	154	11	are	be	AUX
fsr-3469	154	12	presented	present	VERB
fsr-3469	154	13	.	.	PUNCT
fsr-3469	155	1	*	*	PUNCT
fsr-3469	156	1	*	*	PUNCT
fsr-3469	156	2	*	*	AUX
fsr-3469	156	3	used	use	VERB
fsr-3469	156	4	separately	separately	ADV
fsr-3469	156	5	for	for	ADP
fsr-3469	156	6	the	the	DET
fsr-3469	156	7	inertia	inertia	NOUN
fsr-3469	156	8	checklist	checklist	NOUN
fsr-3469	156	9	.	.	PUNCT
fsr-3469	157	1	8	8	NUM
fsr-3469	157	2	a.	a.	NOUN
fsr-3469	157	3	murguı́a	murguı́a	PROPN
fsr-3469	157	4	and	and	CCONJ
fsr-3469	157	5	w.	w.	NOUN
fsr-3469	157	6	pfau	pfau	PROPN
fsr-3469	157	7	/	/	SYM
fsr-3469	157	8	financial	financial	ADJ
fsr-3469	157	9	services	service	NOUN
fsr-3469	157	10	review	review	VERB
fsr-3469	157	11	30	30	NUM
fsr-3469	157	12	(	(	PUNCT
fsr-3469	157	13	2022	2022	NUM
fsr-3469	157	14	)	)	PUNCT
fsr-3469	157	15	1–29	1–29	PROPN
fsr-3469	157	16	expected	expect	VERB
fsr-3469	157	17	since	since	SCONJ
fsr-3469	157	18	the	the	DET
fsr-3469	157	19	sample	sample	NOUN
fsr-3469	157	20	included	include	VERB
fsr-3469	157	21	many	many	ADJ
fsr-3469	157	22	participants	participant	NOUN
fsr-3469	157	23	who	who	PRON
fsr-3469	157	24	have	have	VERB
fsr-3469	157	25	a	a	DET
fsr-3469	157	26	personal	personal	ADJ
fsr-3469	157	27	interest	interest	NOUN
fsr-3469	157	28	in	in	ADP
fsr-3469	157	29	the	the	DET
fsr-3469	157	30	domain	domain	NOUN
fsr-3469	157	31	of	of	ADP
fsr-3469	157	32	retirement	retirement	NOUN
fsr-3469	157	33	income	income	NOUN
fsr-3469	157	34	planning	planning	NOUN
fsr-3469	157	35	.	.	PUNCT
fsr-3469	158	1	results	result	NOUN
fsr-3469	158	2	from	from	ADP
fsr-3469	158	3	the	the	DET
fsr-3469	158	4	factor	factor	NOUN
fsr-3469	158	5	analysis	analysis	NOUN
fsr-3469	158	6	in	in	ADP
fsr-3469	158	7	table	table	NOUN
fsr-3469	158	8	4	4	NUM
fsr-3469	158	9	indicate	indicate	VERB
fsr-3469	158	10	that	that	SCONJ
fsr-3469	158	11	many	many	ADJ
fsr-3469	158	12	questions	question	NOUN
fsr-3469	158	13	sort	sort	ADV
fsr-3469	158	14	within	within	ADP
fsr-3469	158	15	the	the	DET
fsr-3469	158	16	first	first	ADJ
fsr-3469	158	17	two	two	NUM
fsr-3469	158	18	factors	factor	NOUN
fsr-3469	158	19	with	with	ADP
fsr-3469	158	20	eigenvalues	eigenvalue	NOUN
fsr-3469	158	21	of	of	ADP
fsr-3469	158	22	6.80	6.80	NUM
fsr-3469	158	23	and	and	CCONJ
fsr-3469	158	24	5.06	5.06	NUM
fsr-3469	158	25	.	.	PUNCT
fsr-3469	159	1	the	the	DET
fsr-3469	159	2	dimension	dimension	NOUN
fsr-3469	159	3	in	in	ADP
fsr-3469	159	4	the	the	DET
fsr-3469	159	5	first	first	ADJ
fsr-3469	159	6	column	column	NOUN
fsr-3469	159	7	identifies	identify	VERB
fsr-3469	159	8	selfefficacy	selfefficacy	NOUN
fsr-3469	159	9	with	with	ADP
fsr-3469	159	10	statements	statement	NOUN
fsr-3469	159	11	that	that	PRON
fsr-3469	159	12	addressed	address	VERB
fsr-3469	159	13	both	both	CCONJ
fsr-3469	159	14	the	the	DET
fsr-3469	159	15	need	need	NOUN
fsr-3469	159	16	to	to	PART
fsr-3469	159	17	deal	deal	VERB
fsr-3469	159	18	with	with	ADP
fsr-3469	159	19	the	the	DET
fsr-3469	159	20	emotional	emotional	ADJ
fsr-3469	159	21	influence	influence	NOUN
fsr-3469	159	22	and	and	CCONJ
fsr-3469	159	23	overall	overall	ADJ
fsr-3469	159	24	competence	competence	NOUN
fsr-3469	159	25	of	of	ADP
fsr-3469	159	26	organizing	organize	VERB
fsr-3469	159	27	a	a	DET
fsr-3469	159	28	retirement	retirement	NOUN
fsr-3469	159	29	income	income	NOUN
fsr-3469	159	30	plan	plan	NOUN
fsr-3469	159	31	.	.	PUNCT
fsr-3469	160	1	an	an	DET
fsr-3469	160	2	example	example	NOUN
fsr-3469	160	3	includes	include	VERB
fsr-3469	160	4	how	how	SCONJ
fsr-3469	160	5	well	well	ADV
fsr-3469	160	6	someone	someone	PRON
fsr-3469	160	7	can	can	AUX
fsr-3469	160	8	resist	resist	VERB
fsr-3469	160	9	the	the	DET
fsr-3469	160	10	temptation	temptation	NOUN
fsr-3469	160	11	to	to	PART
fsr-3469	160	12	try	try	VERB
fsr-3469	160	13	new	new	ADJ
fsr-3469	160	14	solutions	solution	NOUN
fsr-3469	160	15	due	due	ADP
fsr-3469	160	16	to	to	ADP
fsr-3469	160	17	the	the	DET
fsr-3469	160	18	fear	fear	NOUN
fsr-3469	160	19	that	that	SCONJ
fsr-3469	160	20	their	their	PRON
fsr-3469	160	21	plan	plan	NOUN
fsr-3469	160	22	is	be	AUX
fsr-3469	160	23	not	not	PART
fsr-3469	160	24	good	good	ADJ
fsr-3469	160	25	enough	enough	ADV
fsr-3469	160	26	.	.	PUNCT
fsr-3469	161	1	the	the	DET
fsr-3469	161	2	second	second	ADJ
fsr-3469	161	3	factor	factor	NOUN
fsr-3469	161	4	structure	structure	NOUN
fsr-3469	161	5	introduces	introduce	VERB
fsr-3469	161	6	how	how	SCONJ
fsr-3469	161	7	well	well	ADV
fsr-3469	161	8	one	one	NOUN
fsr-3469	161	9	can	can	AUX
fsr-3469	161	10	deal	deal	VERB
fsr-3469	161	11	with	with	ADP
fsr-3469	161	12	personal	personal	ADJ
fsr-3469	161	13	issues	issue	NOUN
fsr-3469	161	14	that	that	PRON
fsr-3469	161	15	may	may	AUX
fsr-3469	161	16	naturally	naturally	ADV
fsr-3469	161	17	arise	arise	VERB
fsr-3469	161	18	as	as	SCONJ
fsr-3469	161	19	they	they	PRON
fsr-3469	161	20	implement	implement	VERB
fsr-3469	161	21	their	their	PRON
fsr-3469	161	22	plan	plan	NOUN
fsr-3469	161	23	.	.	PUNCT
fsr-3469	162	1	for	for	ADP
fsr-3469	162	2	example	example	NOUN
fsr-3469	162	3	,	,	PUNCT
fsr-3469	162	4	asking	ask	VERB
fsr-3469	162	5	how	how	SCONJ
fsr-3469	162	6	well	well	ADV
fsr-3469	162	7	someone	someone	PRON
fsr-3469	162	8	can	can	AUX
fsr-3469	162	9	deal	deal	VERB
fsr-3469	162	10	with	with	ADP
fsr-3469	162	11	an	an	DET
fsr-3469	162	12	increasing	increase	VERB
fsr-3469	162	13	lack	lack	NOUN
fsr-3469	162	14	of	of	ADP
fsr-3469	162	15	interest	interest	NOUN
fsr-3469	162	16	in	in	ADP
fsr-3469	162	17	financial	financial	ADJ
fsr-3469	162	18	matters	matter	NOUN
fsr-3469	162	19	as	as	SCONJ
fsr-3469	162	20	they	they	PRON
fsr-3469	162	21	get	get	VERB
fsr-3469	162	22	older	old	ADJ
fsr-3469	162	23	reflects	reflect	VERB
fsr-3469	162	24	this	this	PRON
fsr-3469	162	25	.	.	PUNCT
fsr-3469	163	1	statements	statement	NOUN
fsr-3469	163	2	about	about	ADP
fsr-3469	163	3	dealing	deal	VERB
fsr-3469	163	4	with	with	ADP
fsr-3469	163	5	one	one	NUM
fsr-3469	163	6	’s	’s	PART
fsr-3469	163	7	eventual	eventual	ADJ
fsr-3469	163	8	cognitive	cognitive	ADJ
fsr-3469	163	9	decline	decline	NOUN
fsr-3469	163	10	also	also	ADV
fsr-3469	163	11	loaded	load	VERB
fsr-3469	163	12	on	on	ADP
fsr-3469	163	13	this	this	DET
fsr-3469	163	14	second	second	ADJ
fsr-3469	163	15	column	column	NOUN
fsr-3469	163	16	.	.	PUNCT
fsr-3469	164	1	many	many	ADJ
fsr-3469	164	2	items	item	NOUN
fsr-3469	164	3	touched	touch	VERB
fsr-3469	164	4	on	on	ADP
fsr-3469	164	5	all	all	DET
fsr-3469	164	6	these	these	DET
fsr-3469	164	7	issues	issue	NOUN
fsr-3469	164	8	and	and	CCONJ
fsr-3469	164	9	loaded	load	VERB
fsr-3469	164	10	on	on	ADP
fsr-3469	164	11	both	both	DET
fsr-3469	164	12	factor	factor	NOUN
fsr-3469	164	13	structures	structure	NOUN
fsr-3469	164	14	.	.	PUNCT
fsr-3469	165	1	because	because	SCONJ
fsr-3469	165	2	both	both	PRON
fsr-3469	165	3	of	of	ADP
fsr-3469	165	4	these	these	DET
fsr-3469	165	5	factors	factor	NOUN
fsr-3469	165	6	capture	capture	VERB
fsr-3469	165	7	an	an	DET
fsr-3469	165	8	overall	overall	ADJ
fsr-3469	165	9	sense	sense	NOUN
fsr-3469	165	10	of	of	ADP
fsr-3469	165	11	retirement	retirement	NOUN
fsr-3469	165	12	income	income	NOUN
fsr-3469	165	13	self	self	NOUN
fsr-3469	165	14	-	-	PUNCT
fsr-3469	165	15	efficacy	efficacy	NOUN
fsr-3469	165	16	,	,	PUNCT
fsr-3469	165	17	we	we	PRON
fsr-3469	165	18	chose	choose	VERB
fsr-3469	165	19	questions	question	NOUN
fsr-3469	165	20	for	for	ADP
fsr-3469	165	21	the	the	DET
fsr-3469	165	22	final	final	ADJ
fsr-3469	165	23	item	item	NOUN
fsr-3469	165	24	set	set	NOUN
fsr-3469	165	25	that	that	PRON
fsr-3469	165	26	successfully	successfully	ADV
fsr-3469	165	27	loaded	load	VERB
fsr-3469	165	28	on	on	ADP
fsr-3469	165	29	both	both	DET
fsr-3469	165	30	columns	column	NOUN
fsr-3469	165	31	.	.	PUNCT
fsr-3469	166	1	the	the	DET
fsr-3469	166	2	items	item	NOUN
fsr-3469	166	3	in	in	ADP
fsr-3469	166	4	bold	bold	ADJ
fsr-3469	166	5	represent	represent	VERB
fsr-3469	166	6	the	the	DET
fsr-3469	166	7	final	final	ADJ
fsr-3469	166	8	retirement	retirement	NOUN
fsr-3469	166	9	income	income	NOUN
fsr-3469	166	10	self	self	NOUN
fsr-3469	166	11	-	-	PUNCT
fsr-3469	166	12	efficacy	efficacy	NOUN
fsr-3469	166	13	items	item	NOUN
fsr-3469	166	14	for	for	ADP
fsr-3469	166	15	the	the	DET
fsr-3469	166	16	scale	scale	NOUN
fsr-3469	166	17	.	.	PUNCT
fsr-3469	167	1	the	the	DET
fsr-3469	167	2	final	final	ADJ
fsr-3469	167	3	question	question	NOUN
fsr-3469	167	4	set	set	NOUN
fsr-3469	167	5	presents	present	VERB
fsr-3469	167	6	a	a	DET
fsr-3469	167	7	cronbach	cronbach	NOUN
fsr-3469	167	8	’s	’s	NOUN
fsr-3469	167	9	a	a	DET
fsr-3469	167	10	score	score	NOUN
fsr-3469	167	11	of	of	ADP
fsr-3469	167	12	.91	.91	NUM
fsr-3469	167	13	.	.	PUNCT
fsr-3469	168	1	with	with	ADP
fsr-3469	168	2	respect	respect	NOUN
fsr-3469	168	3	to	to	ADP
fsr-3469	168	4	retest	retest	NOUN
fsr-3469	168	5	,	,	PUNCT
fsr-3469	168	6	the	the	DET
fsr-3469	168	7	pearson	pearson	PROPN
fsr-3469	168	8	table	table	NOUN
fsr-3469	168	9	4	4	NUM
fsr-3469	168	10	exploratory	exploratory	ADJ
fsr-3469	168	11	factor	factor	NOUN
fsr-3469	168	12	analysis	analysis	NOUN
fsr-3469	168	13	,	,	PUNCT
fsr-3469	168	14	cronbach	cronbach	VERB
fsr-3469	168	15	’s	’s	NOUN
fsr-3469	168	16	a	a	PRON
fsr-3469	168	17	,	,	PUNCT
fsr-3469	168	18	and	and	CCONJ
fsr-3469	168	19	pearson	pearson	PROPN
fsr-3469	168	20	correlation	correlation	NOUN
fsr-3469	168	21	coefficient	coefficient	NOUN
fsr-3469	168	22	for	for	ADP
fsr-3469	168	23	retirement	retirement	NOUN
fsr-3469	168	24	income	income	NOUN
fsr-3469	168	25	self	self	NOUN
fsr-3469	168	26	-	-	PUNCT
fsr-3469	168	27	efficacy	efficacy	NOUN
fsr-3469	168	28	scale	scale	NOUN
fsr-3469	168	29	factor	factor	NOUN
fsr-3469	168	30	loadings	loading	NOUN
fsr-3469	168	31	for	for	ADP
fsr-3469	168	32	all	all	DET
fsr-3469	168	33	items	item	NOUN
fsr-3469	168	34	*	*	PUNCT
fsr-3469	168	35	*	*	NOUN
fsr-3469	168	36	factors	factor	NOUN
fsr-3469	168	37	eigenvalues	eigenvalue	VERB
fsr-3469	168	38	1	1	NUM
fsr-3469	168	39	6.80	6.80	NUM
fsr-3469	168	40	2	2	NUM
fsr-3469	168	41	5.06	5.06	NUM
fsr-3469	168	42	self	self	NOUN
fsr-3469	168	43	-	-	PUNCT
fsr-3469	168	44	efficacy	efficacy	NOUN
fsr-3469	168	45	items	item	NOUN
fsr-3469	168	46	cronbach	cronbach	VERB
fsr-3469	168	47	’s	’s	PART
fsr-3469	168	48	coefficient	coefficient	NOUN
fsr-3469	168	49	a	a	DET
fsr-3469	168	50	*	*	PUNCT
fsr-3469	168	51	pearson	pearson	NOUN
fsr-3469	168	52	correlation	correlation	NOUN
fsr-3469	168	53	coefficient	coefficient	NOUN
fsr-3469	168	54	*	*	NOUN
fsr-3469	168	55	0.91	0.91	NUM
fsr-3469	168	56	0.71	0.71	NUM
fsr-3469	168	57	6	6	NUM
fsr-3469	168	58	0.81	0.81	NUM
fsr-3469	168	59	5	5	NUM
fsr-3469	168	60	0.79	0.79	NUM
fsr-3469	168	61	3	3	NUM
fsr-3469	168	62	0.72	0.72	NUM
fsr-3469	168	63	9	9	NUM
fsr-3469	168	64	0.70	0.70	NUM
fsr-3469	168	65	20	20	NUM
fsr-3469	168	66	0.70	0.70	NUM
fsr-3469	168	67	11	11	NUM
fsr-3469	168	68	0.69	0.69	NUM
fsr-3469	168	69	0.45	0.45	NUM
fsr-3469	168	70	18	18	NUM
fsr-3469	168	71	0.66	0.66	NUM
fsr-3469	168	72	0.54	0.54	NUM
fsr-3469	168	73	15	15	NUM
fsr-3469	168	74	0.62	0.62	NUM
fsr-3469	168	75	17	17	NUM
fsr-3469	168	76	0.61	0.61	NUM
fsr-3469	168	77	8	8	NUM
fsr-3469	168	78	0.60	0.60	NUM
fsr-3469	168	79	0.52	0.52	NUM
fsr-3469	168	80	2	2	NUM
fsr-3469	168	81	0.59	0.59	NUM
fsr-3469	168	82	0.46	0.46	NUM
fsr-3469	168	83	4	4	NUM
fsr-3469	168	84	0.58	0.58	NUM
fsr-3469	168	85	0.47	0.47	NUM
fsr-3469	168	86	10	10	NUM
fsr-3469	168	87	0.58	0.58	NUM
fsr-3469	168	88	0.56	0.56	NUM
fsr-3469	168	89	14	14	NUM
fsr-3469	168	90	0.56	0.56	NUM
fsr-3469	168	91	0.55	0.55	NUM
fsr-3469	168	92	19	19	NUM
fsr-3469	168	93	0.49	0.49	NUM
fsr-3469	168	94	0.64	0.64	NUM
fsr-3469	168	95	12	12	NUM
fsr-3469	168	96	0.41	0.41	NUM
fsr-3469	168	97	0.63	0.63	NUM
fsr-3469	168	98	1	1	NUM
fsr-3469	168	99	16	16	NUM
fsr-3469	168	100	0.74	0.74	NUM
fsr-3469	168	101	13	13	NUM
fsr-3469	168	102	0.75	0.75	NUM
fsr-3469	168	103	7	7	NUM
fsr-3469	168	104	0.83	0.83	NUM
fsr-3469	168	105	note	note	NOUN
fsr-3469	168	106	.	.	PUNCT
fsr-3469	169	1	*	*	PUNCT
fsr-3469	169	2	cronbach	cronbach	VERB
fsr-3469	169	3	’s	’s	NOUN
fsr-3469	169	4	a	a	DET
fsr-3469	169	5	and	and	CCONJ
fsr-3469	169	6	pearson	pearson	NOUN
fsr-3469	169	7	correlation	correlation	NOUN
fsr-3469	169	8	coefficients	coefficient	NOUN
fsr-3469	169	9	selected	select	VERB
fsr-3469	169	10	for	for	ADP
fsr-3469	169	11	the	the	DET
fsr-3469	169	12	items	item	NOUN
fsr-3469	169	13	in	in	ADP
fsr-3469	169	14	bold	bold	ADJ
fsr-3469	169	15	.	.	PUNCT
fsr-3469	170	1	they	they	PRON
fsr-3469	170	2	represent	represent	VERB
fsr-3469	170	3	the	the	DET
fsr-3469	170	4	final	final	ADJ
fsr-3469	170	5	questions	question	NOUN
fsr-3469	170	6	for	for	ADP
fsr-3469	170	7	each	each	DET
fsr-3469	170	8	scale	scale	NOUN
fsr-3469	170	9	.	.	PUNCT
fsr-3469	171	1	*	*	PUNCT
fsr-3469	171	2	*	*	PUNCT
fsr-3469	171	3	only	only	ADJ
fsr-3469	171	4	factor	factor	NOUN
fsr-3469	171	5	loadings	loading	NOUN
fsr-3469	171	6	greater	great	ADJ
fsr-3469	171	7	or	or	CCONJ
fsr-3469	171	8	equal	equal	ADJ
fsr-3469	171	9	to	to	ADP
fsr-3469	171	10	0.40	0.40	NUM
fsr-3469	171	11	are	be	AUX
fsr-3469	171	12	presented	present	VERB
fsr-3469	171	13	.	.	PUNCT
fsr-3469	172	1	a.	a.	PROPN
fsr-3469	172	2	murgua	murgua	PROPN
fsr-3469	172	3	and	and	CCONJ
fsr-3469	172	4	w.	w.	PROPN
fsr-3469	172	5	pfau	pfau	PROPN
fsr-3469	172	6	/	/	SYM
fsr-3469	172	7	financial	financial	ADJ
fsr-3469	172	8	services	service	NOUN
fsr-3469	172	9	review	review	VERB
fsr-3469	172	10	30	30	NUM
fsr-3469	172	11	(	(	PUNCT
fsr-3469	172	12	2022	2022	NUM
fsr-3469	172	13	)	)	PUNCT
fsr-3469	172	14	1–29	1–29	PROPN
fsr-3469	172	15	9	9	NUM
fsr-3469	172	16	correlation	correlation	NOUN
fsr-3469	172	17	coefficient	coefficient	NOUN
fsr-3469	172	18	is	be	AUX
fsr-3469	172	19	0.71	0.71	NUM
fsr-3469	172	20	(	(	PUNCT
fsr-3469	172	21	p	p	X
fsr-3469	172	22	<	<	X
fsr-3469	172	23	.0001	.0001	NOUN
fsr-3469	172	24	)	)	PUNCT
fsr-3469	172	25	.	.	PUNCT
fsr-3469	173	1	this	this	PRON
fsr-3469	173	2	supports	support	VERB
fsr-3469	173	3	excellent	excellent	ADJ
fsr-3469	173	4	internal	internal	ADJ
fsr-3469	173	5	reliability	reliability	NOUN
fsr-3469	173	6	and	and	CCONJ
fsr-3469	173	7	very	very	ADV
fsr-3469	173	8	good	good	ADJ
fsr-3469	173	9	consistency	consistency	NOUN
fsr-3469	173	10	between	between	ADP
fsr-3469	173	11	the	the	DET
fsr-3469	173	12	time	time	NOUN
fsr-3469	173	13	periods	period	NOUN
fsr-3469	173	14	measured	measure	VERB
fsr-3469	173	15	.	.	PUNCT
fsr-3469	174	1	in	in	ADP
fsr-3469	174	2	addition	addition	NOUN
fsr-3469	174	3	,	,	PUNCT
fsr-3469	174	4	as	as	SCONJ
fsr-3469	174	5	compared	compare	VERB
fsr-3469	174	6	with	with	ADP
fsr-3469	174	7	lown	lown	PROPN
fsr-3469	174	8	’s	’s	PART
fsr-3469	174	9	financial	financial	ADJ
fsr-3469	174	10	self	self	NOUN
fsr-3469	174	11	-	-	PUNCT
fsr-3469	174	12	efficacy	efficacy	NOUN
fsr-3469	174	13	scale	scale	NOUN
fsr-3469	174	14	,	,	PUNCT
fsr-3469	174	15	our	our	PRON
fsr-3469	174	16	retirement	retirement	NOUN
fsr-3469	174	17	income	income	NOUN
fsr-3469	174	18	scale	scale	NOUN
fsr-3469	174	19	reports	report	VERB
fsr-3469	174	20	higher	high	ADJ
fsr-3469	174	21	levels	level	NOUN
fsr-3469	174	22	of	of	ADP
fsr-3469	174	23	reliability	reliability	NOUN
fsr-3469	174	24	(	(	PUNCT
fsr-3469	174	25	0.91	0.91	NUM
fsr-3469	174	26	vs.	vs.	ADP
fsr-3469	174	27	0.76	0.76	NUM
fsr-3469	174	28	)	)	PUNCT
fsr-3469	174	29	and	and	CCONJ
fsr-3469	174	30	comparable	comparable	ADJ
fsr-3469	174	31	factor	factor	NOUN
fsr-3469	174	32	loading	loading	NOUN
fsr-3469	174	33	scores	score	NOUN
fsr-3469	174	34	.	.	PUNCT
fsr-3469	175	1	lown	lown	PROPN
fsr-3469	175	2	’s	’s	PART
fsr-3469	175	3	financial	financial	ADJ
fsr-3469	175	4	self	self	NOUN
fsr-3469	175	5	-	-	PUNCT
fsr-3469	175	6	efficacy	efficacy	NOUN
fsr-3469	175	7	scale	scale	NOUN
fsr-3469	175	8	does	do	AUX
fsr-3469	175	9	not	not	PART
fsr-3469	175	10	report	report	VERB
fsr-3469	175	11	retest	retest	ADJ
fsr-3469	175	12	scores	score	NOUN
fsr-3469	175	13	among	among	ADP
fsr-3469	175	14	their	their	PRON
fsr-3469	175	15	sample	sample	NOUN
fsr-3469	175	16	of	of	ADP
fsr-3469	175	17	726	726	NUM
fsr-3469	175	18	university	university	NOUN
fsr-3469	175	19	employees	employee	NOUN
fsr-3469	175	20	(	(	PUNCT
fsr-3469	175	21	lown	lown	PROPN
fsr-3469	175	22	,	,	PUNCT
fsr-3469	175	23	2011	2011	NUM
fsr-3469	175	24	)	)	PUNCT
fsr-3469	175	25	.	.	PUNCT
fsr-3469	176	1	3.5	3.5	NUM
fsr-3469	176	2	.	.	PUNCT
fsr-3469	177	1	advisor	advisor	NOUN
fsr-3469	177	2	usefulness	usefulness	NOUN
fsr-3469	177	3	while	while	SCONJ
fsr-3469	177	4	studies	study	NOUN
fsr-3469	177	5	have	have	AUX
fsr-3469	177	6	identified	identify	VERB
fsr-3469	177	7	the	the	DET
fsr-3469	177	8	benefits	benefit	NOUN
fsr-3469	177	9	of	of	ADP
fsr-3469	177	10	working	work	VERB
fsr-3469	177	11	with	with	ADP
fsr-3469	177	12	a	a	DET
fsr-3469	177	13	financial	financial	ADJ
fsr-3469	177	14	advisor	advisor	NOUN
fsr-3469	177	15	,	,	PUNCT
fsr-3469	177	16	a	a	DET
fsr-3469	177	17	general	general	ADJ
fsr-3469	177	18	skepticism	skepticism	NOUN
fsr-3469	177	19	remains	remain	VERB
fsr-3469	177	20	toward	toward	ADP
fsr-3469	177	21	the	the	DET
fsr-3469	177	22	true	true	ADJ
fsr-3469	177	23	benefit	benefit	NOUN
fsr-3469	177	24	of	of	ADP
fsr-3469	177	25	financial	financial	ADJ
fsr-3469	177	26	advice	advice	NOUN
fsr-3469	177	27	.	.	PUNCT
fsr-3469	178	1	ex	ex	PROPN
fsr-3469	178	2	ante	ante	PROPN
fsr-3469	178	3	beliefs	belief	NOUN
fsr-3469	178	4	of	of	ADP
fsr-3469	178	5	perceived	perceive	VERB
fsr-3469	178	6	traits	trait	NOUN
fsr-3469	178	7	and	and	CCONJ
fsr-3469	178	8	stereotypes	stereotype	NOUN
fsr-3469	178	9	are	be	AUX
fsr-3469	178	10	difficult	difficult	ADJ
fsr-3469	178	11	to	to	PART
fsr-3469	178	12	overcome	overcome	VERB
fsr-3469	178	13	(	(	PUNCT
fsr-3469	178	14	bargh	bargh	PROPN
fsr-3469	178	15	,	,	PUNCT
fsr-3469	178	16	chen	chen	PROPN
fsr-3469	178	17	,	,	PUNCT
fsr-3469	178	18	&	&	CCONJ
fsr-3469	178	19	burrows	burrow	NOUN
fsr-3469	178	20	,	,	PUNCT
fsr-3469	178	21	1996	1996	NUM
fsr-3469	178	22	)	)	PUNCT
fsr-3469	178	23	.	.	PUNCT
fsr-3469	179	1	working	work	VERB
fsr-3469	179	2	with	with	ADP
fsr-3469	179	3	an	an	DET
fsr-3469	179	4	advisor	advisor	NOUN
fsr-3469	179	5	is	be	AUX
fsr-3469	179	6	related	relate	VERB
fsr-3469	179	7	to	to	ADP
fsr-3469	179	8	various	various	ADJ
fsr-3469	179	9	planning	planning	NOUN
fsr-3469	179	10	and	and	CCONJ
fsr-3469	179	11	behavior	behavior	NOUN
fsr-3469	179	12	activities	activity	NOUN
fsr-3469	179	13	.	.	PUNCT
fsr-3469	180	1	these	these	PRON
fsr-3469	180	2	include	include	VERB
fsr-3469	180	3	goal	goal	NOUN
fsr-3469	180	4	setting	setting	NOUN
fsr-3469	180	5	,	,	PUNCT
fsr-3469	180	6	retirement	retirement	NOUN
fsr-3469	180	7	needs	need	NOUN
fsr-3469	180	8	planning	planning	NOUN
fsr-3469	180	9	,	,	PUNCT
fsr-3469	180	10	investment	investment	NOUN
fsr-3469	180	11	diversification	diversification	NOUN
fsr-3469	180	12	,	,	PUNCT
fsr-3469	180	13	retirement	retirement	NOUN
fsr-3469	180	14	account	account	NOUN
fsr-3469	180	15	optimization	optimization	NOUN
fsr-3469	180	16	,	,	PUNCT
fsr-3469	180	17	reserves	reserve	NOUN
fsr-3469	180	18	or	or	CCONJ
fsr-3469	180	19	contingency	contingency	NOUN
fsr-3469	180	20	funds	fund	NOUN
fsr-3469	180	21	,	,	PUNCT
fsr-3469	180	22	behavioral	behavioral	ADJ
fsr-3469	180	23	guidance	guidance	NOUN
fsr-3469	180	24	,	,	PUNCT
fsr-3469	180	25	and	and	CCONJ
fsr-3469	180	26	increased	increase	VERB
fsr-3469	180	27	retirement	retirement	NOUN
fsr-3469	180	28	confidence	confidence	NOUN
fsr-3469	180	29	(	(	PUNCT
fsr-3469	180	30	marsden	marsden	PROPN
fsr-3469	180	31	et	et	PROPN
fsr-3469	180	32	al	al	PROPN
fsr-3469	180	33	.	.	PROPN
fsr-3469	180	34	,	,	PUNCT
fsr-3469	180	35	2011	2011	NUM
fsr-3469	180	36	)	)	PUNCT
fsr-3469	180	37	.	.	PUNCT
fsr-3469	181	1	hence	hence	ADV
fsr-3469	181	2	,	,	PUNCT
fsr-3469	181	3	a	a	DET
fsr-3469	181	4	scale	scale	NOUN
fsr-3469	181	5	measuring	measure	VERB
fsr-3469	181	6	the	the	DET
fsr-3469	181	7	cost	cost	NOUN
fsr-3469	181	8	effectiveness	effectiveness	NOUN
fsr-3469	181	9	of	of	ADP
fsr-3469	181	10	these	these	DET
fsr-3469	181	11	activities	activity	NOUN
fsr-3469	181	12	with	with	ADP
fsr-3469	181	13	an	an	DET
fsr-3469	181	14	advisor	advisor	NOUN
fsr-3469	181	15	may	may	AUX
fsr-3469	181	16	be	be	AUX
fsr-3469	181	17	valuable	valuable	ADJ
fsr-3469	181	18	in	in	ADP
fsr-3469	181	19	determining	determine	VERB
fsr-3469	181	20	the	the	DET
fsr-3469	181	21	potential	potential	ADJ
fsr-3469	181	22	implementation	implementation	NOUN
fsr-3469	181	23	options	option	NOUN
fsr-3469	181	24	that	that	PRON
fsr-3469	181	25	retirees	retiree	NOUN
fsr-3469	181	26	are	be	AUX
fsr-3469	181	27	likely	likely	ADV
fsr-3469	181	28	choose	choose	VERB
fsr-3469	181	29	.	.	PUNCT
fsr-3469	182	1	for	for	ADP
fsr-3469	182	2	this	this	DET
fsr-3469	182	3	scale	scale	NOUN
fsr-3469	182	4	,	,	PUNCT
fsr-3469	182	5	participants	participant	NOUN
fsr-3469	182	6	identifying	identify	VERB
fsr-3469	182	7	as	as	SCONJ
fsr-3469	182	8	financial	financial	ADJ
fsr-3469	182	9	advisors	advisor	NOUN
fsr-3469	182	10	were	be	AUX
fsr-3469	182	11	removed	remove	VERB
fsr-3469	182	12	from	from	ADP
fsr-3469	182	13	the	the	DET
fsr-3469	182	14	data	datum	NOUN
fsr-3469	182	15	set	set	VERB
fsr-3469	182	16	to	to	PART
fsr-3469	182	17	avoid	avoid	VERB
fsr-3469	182	18	any	any	DET
fsr-3469	182	19	potential	potential	ADJ
fsr-3469	182	20	conflicts	conflict	NOUN
fsr-3469	182	21	in	in	ADP
fsr-3469	182	22	their	their	PRON
fsr-3469	182	23	answers	answer	NOUN
fsr-3469	182	24	about	about	ADP
fsr-3469	182	25	the	the	DET
fsr-3469	182	26	perceived	perceive	VERB
fsr-3469	182	27	utility	utility	NOUN
fsr-3469	182	28	of	of	ADP
fsr-3469	182	29	a	a	DET
fsr-3469	182	30	financial	financial	ADJ
fsr-3469	182	31	professional	professional	NOUN
fsr-3469	182	32	.	.	PUNCT
fsr-3469	183	1	for	for	ADP
fsr-3469	183	2	each	each	DET
fsr-3469	183	3	entry	entry	NOUN
fsr-3469	183	4	,	,	PUNCT
fsr-3469	183	5	we	we	PRON
fsr-3469	183	6	present	present	VERB
fsr-3469	183	7	opposing	oppose	VERB
fsr-3469	183	8	statements	statement	NOUN
fsr-3469	183	9	based	base	VERB
fsr-3469	183	10	on	on	ADP
fsr-3469	183	11	perceived	perceive	VERB
fsr-3469	183	12	advisor	advisor	NOUN
fsr-3469	183	13	usefulness	usefulness	NOUN
fsr-3469	183	14	.	.	PUNCT
fsr-3469	184	1	we	we	PRON
fsr-3469	184	2	focus	focus	VERB
fsr-3469	184	3	on	on	ADP
fsr-3469	184	4	both	both	DET
fsr-3469	184	5	an	an	DET
fsr-3469	184	6	advisor	advisor	NOUN
fsr-3469	184	7	’s	’s	PART
fsr-3469	184	8	role	role	NOUN
fsr-3469	184	9	and	and	CCONJ
fsr-3469	184	10	their	their	PRON
fsr-3469	184	11	cost	cost	NOUN
fsr-3469	184	12	effectiveness	effectiveness	NOUN
fsr-3469	184	13	.	.	PUNCT
fsr-3469	185	1	items	item	NOUN
fsr-3469	185	2	were	be	AUX
fsr-3469	185	3	presented	present	VERB
fsr-3469	185	4	via	via	ADP
fsr-3469	185	5	a	a	DET
fsr-3469	185	6	semantic	semantic	ADJ
fsr-3469	185	7	differential	differential	NOUN
fsr-3469	185	8	method	method	NOUN
fsr-3469	185	9	.	.	PUNCT
fsr-3469	186	1	one	one	NUM
fsr-3469	186	2	statement	statement	NOUN
fsr-3469	186	3	is	be	AUX
fsr-3469	186	4	on	on	ADP
fsr-3469	186	5	the	the	DET
fsr-3469	186	6	left	left	NOUN
fsr-3469	186	7	and	and	CCONJ
fsr-3469	186	8	the	the	DET
fsr-3469	186	9	other	other	ADJ
fsr-3469	186	10	on	on	ADP
fsr-3469	186	11	the	the	DET
fsr-3469	186	12	right	right	NOUN
fsr-3469	186	13	.	.	PUNCT
fsr-3469	187	1	participants	participant	NOUN
fsr-3469	187	2	are	be	AUX
fsr-3469	187	3	asked	ask	VERB
fsr-3469	187	4	to	to	PART
fsr-3469	187	5	identify	identify	VERB
fsr-3469	187	6	from	from	ADP
fsr-3469	187	7	a	a	DET
fsr-3469	187	8	six	six	NUM
fsr-3469	187	9	-	-	PUNCT
fsr-3469	187	10	point	point	NOUN
fsr-3469	187	11	scale	scale	NOUN
fsr-3469	187	12	,	,	PUNCT
fsr-3469	187	13	situated	situate	VERB
fsr-3469	187	14	between	between	ADP
fsr-3469	187	15	both	both	DET
fsr-3469	187	16	statements	statement	NOUN
fsr-3469	187	17	,	,	PUNCT
fsr-3469	187	18	which	which	DET
fsr-3469	187	19	statement	statement	NOUN
fsr-3469	187	20	they	they	PRON
fsr-3469	187	21	relate	relate	VERB
fsr-3469	187	22	with	with	ADP
fsr-3469	187	23	the	the	DET
fsr-3469	187	24	most	most	ADJ
fsr-3469	187	25	.	.	PUNCT
fsr-3469	188	1	a	a	DET
fsr-3469	188	2	sample	sample	NOUN
fsr-3469	188	3	entry	entry	NOUN
fsr-3469	188	4	may	may	AUX
fsr-3469	188	5	read	read	VERB
fsr-3469	188	6	:	:	PUNCT
fsr-3469	189	1	1	1	X
fsr-3469	189	2	.	.	X
fsr-3469	189	3	i	i	PRON
fsr-3469	189	4	can	can	AUX
fsr-3469	189	5	readily	readily	ADV
fsr-3469	189	6	achieve	achieve	VERB
fsr-3469	189	7	my	my	PRON
fsr-3469	189	8	financial	financial	ADJ
fsr-3469	189	9	goals	goal	NOUN
fsr-3469	189	10	without	without	ADP
fsr-3469	189	11	the	the	DET
fsr-3469	189	12	assistance	assistance	NOUN
fsr-3469	189	13	of	of	ADP
fsr-3469	189	14	a	a	DET
fsr-3469	189	15	financial	financial	ADJ
fsr-3469	189	16	advisor	advisor	NOUN
fsr-3469	189	17	.	.	PROPN
fsr-3469	190	1	2	2	X
fsr-3469	190	2	.	.	X
fsr-3469	190	3	a	a	DET
fsr-3469	190	4	financial	financial	ADJ
fsr-3469	190	5	advisor	advisor	NOUN
fsr-3469	190	6	can	can	AUX
fsr-3469	190	7	readily	readily	ADV
fsr-3469	190	8	help	help	VERB
fsr-3469	190	9	me	i	PRON
fsr-3469	190	10	achieve	achieve	VERB
fsr-3469	190	11	my	my	PRON
fsr-3469	190	12	financial	financial	ADJ
fsr-3469	190	13	goals	goal	NOUN
fsr-3469	190	14	.	.	PUNCT
fsr-3469	191	1	3	3	X
fsr-3469	191	2	.	.	X
fsr-3469	191	3	statement	statement	NOUN
fsr-3469	191	4	1	1	NUM
fsr-3469	191	5	0	0	NUM
fsr-3469	191	6	0	0	NUM
fsr-3469	191	7	0	0	NUM
fsr-3469	191	8	0	0	NUM
fsr-3469	191	9	0	0	NUM
fsr-3469	191	10	0	0	NUM
fsr-3469	191	11	statement	statement	NOUN
fsr-3469	191	12	2	2	NUM
fsr-3469	191	13	in	in	ADP
fsr-3469	191	14	this	this	DET
fsr-3469	191	15	example	example	NOUN
fsr-3469	191	16	,	,	PUNCT
fsr-3469	191	17	picking	pick	VERB
fsr-3469	191	18	the	the	DET
fsr-3469	191	19	last	last	ADJ
fsr-3469	191	20	circle	circle	NOUN
fsr-3469	191	21	would	would	AUX
fsr-3469	191	22	reflect	reflect	VERB
fsr-3469	191	23	a	a	DET
fsr-3469	191	24	score	score	NOUN
fsr-3469	191	25	of	of	ADP
fsr-3469	191	26	6	6	NUM
fsr-3469	191	27	and	and	CCONJ
fsr-3469	191	28	indicates	indicate	VERB
fsr-3469	191	29	a	a	DET
fsr-3469	191	30	strong	strong	ADJ
fsr-3469	191	31	identification	identification	NOUN
fsr-3469	191	32	with	with	ADP
fsr-3469	191	33	perceiving	perceive	VERB
fsr-3469	191	34	high	high	ADJ
fsr-3469	191	35	advisor	advisor	NOUN
fsr-3469	191	36	usefulness	usefulness	NOUN
fsr-3469	191	37	.	.	PUNCT
fsr-3469	192	1	the	the	DET
fsr-3469	192	2	average	average	ADJ
fsr-3469	192	3	score	score	NOUN
fsr-3469	192	4	of	of	ADP
fsr-3469	192	5	3.32	3.32	NUM
fsr-3469	192	6	indicates	indicate	VERB
fsr-3469	192	7	a	a	DET
fsr-3469	192	8	slightly	slightly	ADV
fsr-3469	192	9	below	below	ADP
fsr-3469	192	10	average	average	ADJ
fsr-3469	192	11	usefulness	usefulness	NOUN
fsr-3469	192	12	score	score	NOUN
fsr-3469	192	13	for	for	ADP
fsr-3469	192	14	financial	financial	ADJ
fsr-3469	192	15	advisors	advisor	NOUN
fsr-3469	192	16	(	(	PUNCT
fsr-3469	192	17	3.5	3.5	NUM
fsr-3469	192	18	is	be	AUX
fsr-3469	192	19	the	the	DET
fsr-3469	192	20	midpoint	midpoint	NOUN
fsr-3469	192	21	)	)	PUNCT
fsr-3469	192	22	.	.	PUNCT
fsr-3469	193	1	the	the	DET
fsr-3469	193	2	results	result	NOUN
fsr-3469	193	3	in	in	ADP
fsr-3469	193	4	table	table	NOUN
fsr-3469	193	5	5	5	NUM
fsr-3469	193	6	specify	specify	VERB
fsr-3469	193	7	a	a	DET
fsr-3469	193	8	three	three	NUM
fsr-3469	193	9	-	-	PUNCT
fsr-3469	193	10	factor	factor	NOUN
fsr-3469	193	11	structure	structure	NOUN
fsr-3469	193	12	for	for	ADP
fsr-3469	193	13	advisor	advisor	NOUN
fsr-3469	193	14	usefulness	usefulness	NOUN
fsr-3469	193	15	with	with	ADP
fsr-3469	193	16	eigenvalues	eigenvalue	NOUN
fsr-3469	193	17	of	of	ADP
fsr-3469	193	18	8.24	8.24	NUM
fsr-3469	193	19	,	,	PUNCT
fsr-3469	193	20	3.14	3.14	NUM
fsr-3469	193	21	,	,	PUNCT
fsr-3469	193	22	and	and	CCONJ
fsr-3469	193	23	2.42	2.42	NUM
fsr-3469	193	24	across	across	ADP
fsr-3469	193	25	our	our	PRON
fsr-3469	193	26	proposed	propose	VERB
fsr-3469	193	27	questions	question	NOUN
fsr-3469	193	28	.	.	PUNCT
fsr-3469	194	1	the	the	DET
fsr-3469	194	2	items	item	NOUN
fsr-3469	194	3	within	within	ADP
fsr-3469	194	4	the	the	DET
fsr-3469	194	5	first	first	ADJ
fsr-3469	194	6	factor	factor	NOUN
fsr-3469	194	7	structure	structure	NOUN
fsr-3469	194	8	provide	provide	VERB
fsr-3469	194	9	a	a	DET
fsr-3469	194	10	description	description	NOUN
fsr-3469	194	11	of	of	ADP
fsr-3469	194	12	what	what	PRON
fsr-3469	194	13	an	an	DET
fsr-3469	194	14	advisor	advisor	NOUN
fsr-3469	194	15	does	do	AUX
fsr-3469	194	16	from	from	ADP
fsr-3469	194	17	a	a	DET
fsr-3469	194	18	holistic	holistic	ADJ
fsr-3469	194	19	planning	planning	NOUN
fsr-3469	194	20	perspective	perspective	NOUN
fsr-3469	194	21	.	.	PUNCT
fsr-3469	195	1	the	the	DET
fsr-3469	195	2	second	second	ADJ
fsr-3469	195	3	factor	factor	NOUN
fsr-3469	195	4	structure	structure	NOUN
fsr-3469	195	5	provides	provide	VERB
fsr-3469	195	6	the	the	DET
fsr-3469	195	7	additional	additional	ADJ
fsr-3469	195	8	component	component	NOUN
fsr-3469	195	9	of	of	ADP
fsr-3469	195	10	how	how	SCONJ
fsr-3469	195	11	an	an	DET
fsr-3469	195	12	advisor	advisor	NOUN
fsr-3469	195	13	can	can	AUX
fsr-3469	195	14	potentially	potentially	ADV
fsr-3469	195	15	keep	keep	VERB
fsr-3469	195	16	a	a	DET
fsr-3469	195	17	retiree	retiree	NOUN
fsr-3469	195	18	from	from	ADP
fsr-3469	195	19	making	make	VERB
fsr-3469	195	20	costly	costly	ADJ
fsr-3469	195	21	mistakes	mistake	NOUN
fsr-3469	195	22	.	.	PUNCT
fsr-3469	196	1	the	the	DET
fsr-3469	196	2	third	third	ADJ
fsr-3469	196	3	factor	factor	NOUN
fsr-3469	196	4	structure	structure	NOUN
fsr-3469	196	5	identifies	identify	VERB
fsr-3469	196	6	statements	statement	NOUN
fsr-3469	196	7	that	that	PRON
fsr-3469	196	8	present	present	VERB
fsr-3469	196	9	the	the	DET
fsr-3469	196	10	advisor	advisor	NOUN
fsr-3469	196	11	as	as	ADP
fsr-3469	196	12	a	a	DET
fsr-3469	196	13	superfluous	superfluous	ADJ
fsr-3469	196	14	intermediary	intermediary	NOUN
fsr-3469	196	15	who	who	PRON
fsr-3469	196	16	is	be	AUX
fsr-3469	196	17	becoming	become	VERB
fsr-3469	196	18	increasingly	increasingly	ADV
fsr-3469	196	19	irrelevant	irrelevant	ADJ
fsr-3469	196	20	in	in	ADP
fsr-3469	196	21	today	today	NOUN
fsr-3469	196	22	’s	’s	PART
fsr-3469	196	23	environment	environment	NOUN
fsr-3469	196	24	.	.	PUNCT
fsr-3469	197	1	the	the	DET
fsr-3469	197	2	final	final	ADJ
fsr-3469	197	3	item	item	NOUN
fsr-3469	197	4	set	set	VERB
fsr-3469	197	5	for	for	ADP
fsr-3469	197	6	the	the	DET
fsr-3469	197	7	scale	scale	NOUN
fsr-3469	197	8	,	,	PUNCT
fsr-3469	197	9	in	in	ADP
fsr-3469	197	10	bold	bold	ADJ
fsr-3469	197	11	,	,	PUNCT
fsr-3469	197	12	are	be	AUX
fsr-3469	197	13	taken	take	VERB
fsr-3469	197	14	from	from	ADP
fsr-3469	197	15	the	the	DET
fsr-3469	197	16	first	first	ADJ
fsr-3469	197	17	factor	factor	NOUN
fsr-3469	197	18	structure	structure	NOUN
fsr-3469	197	19	because	because	SCONJ
fsr-3469	197	20	it	it	PRON
fsr-3469	197	21	is	be	AUX
fsr-3469	197	22	the	the	DET
fsr-3469	197	23	most	most	ADV
fsr-3469	197	24	dominant	dominant	ADJ
fsr-3469	197	25	factor	factor	NOUN
fsr-3469	197	26	structure	structure	NOUN
fsr-3469	197	27	and	and	CCONJ
fsr-3469	197	28	best	good	ADJ
fsr-3469	197	29	represents	represent	VERB
fsr-3469	197	30	our	our	PRON
fsr-3469	197	31	intended	intended	ADJ
fsr-3469	197	32	focus	focus	NOUN
fsr-3469	197	33	of	of	ADP
fsr-3469	197	34	addressing	address	VERB
fsr-3469	197	35	a	a	DET
fsr-3469	197	36	more	more	ADV
fsr-3469	197	37	complete	complete	ADJ
fsr-3469	197	38	purview	purview	NOUN
fsr-3469	197	39	of	of	ADP
fsr-3469	197	40	how	how	SCONJ
fsr-3469	197	41	an	an	DET
fsr-3469	197	42	advisor	advisor	NOUN
fsr-3469	197	43	may	may	AUX
fsr-3469	197	44	add	add	VERB
fsr-3469	197	45	value	value	NOUN
fsr-3469	197	46	within	within	ADP
fsr-3469	197	47	a	a	DET
fsr-3469	197	48	client	client	NOUN
fsr-3469	197	49	relationship	relationship	NOUN
fsr-3469	197	50	.	.	PUNCT
fsr-3469	198	1	this	this	DET
fsr-3469	198	2	factor	factor	NOUN
fsr-3469	198	3	also	also	ADV
fsr-3469	198	4	reflects	reflect	VERB
fsr-3469	198	5	the	the	DET
fsr-3469	198	6	various	various	ADJ
fsr-3469	198	7	planning	planning	NOUN
fsr-3469	198	8	activities	activity	NOUN
fsr-3469	198	9	that	that	PRON
fsr-3469	198	10	result	result	VERB
fsr-3469	198	11	from	from	ADP
fsr-3469	198	12	working	work	VERB
fsr-3469	198	13	with	with	ADP
fsr-3469	198	14	an	an	DET
fsr-3469	198	15	advisor	advisor	NOUN
fsr-3469	198	16	(	(	PUNCT
fsr-3469	198	17	marsden	marsden	PROPN
fsr-3469	198	18	et	et	PROPN
fsr-3469	198	19	al	al	PROPN
fsr-3469	198	20	.	.	PROPN
fsr-3469	198	21	,	,	PUNCT
fsr-3469	198	22	2011	2011	NUM
fsr-3469	198	23	)	)	PUNCT
fsr-3469	198	24	.	.	PUNCT
fsr-3469	199	1	our	our	PRON
fsr-3469	199	2	advisor	advisor	NOUN
fsr-3469	199	3	usefulness	usefulness	ADJ
fsr-3469	199	4	scale	scale	NOUN
fsr-3469	199	5	has	have	VERB
fsr-3469	199	6	a	a	DET
fsr-3469	199	7	cronbach	cronbach	NOUN
fsr-3469	199	8	’s	’s	NOUN
fsr-3469	199	9	a	a	DET
fsr-3469	199	10	score	score	NOUN
fsr-3469	199	11	of	of	ADP
fsr-3469	199	12	0.96	0.96	NUM
fsr-3469	199	13	,	,	PUNCT
fsr-3469	199	14	and	and	CCONJ
fsr-3469	199	15	a	a	DET
fsr-3469	199	16	pearson	pearson	NOUN
fsr-3469	199	17	correlation	correlation	NOUN
fsr-3469	199	18	coefficient	coefficient	NOUN
fsr-3469	199	19	of	of	ADP
fsr-3469	199	20	10	10	NUM
fsr-3469	199	21	a.	a.	NOUN
fsr-3469	199	22	murguı́a	murguı́a	NOUN
fsr-3469	199	23	and	and	CCONJ
fsr-3469	199	24	w.	w.	NOUN
fsr-3469	199	25	pfau	pfau	PROPN
fsr-3469	199	26	/	/	SYM
fsr-3469	199	27	financial	financial	ADJ
fsr-3469	199	28	services	service	NOUN
fsr-3469	199	29	review	review	VERB
fsr-3469	199	30	30	30	NUM
fsr-3469	199	31	(	(	PUNCT
fsr-3469	199	32	2022	2022	NUM
fsr-3469	199	33	)	)	PUNCT
fsr-3469	199	34	1–29	1–29	PROPN
fsr-3469	199	35	0.65	0.65	NUM
fsr-3469	199	36	(	(	PUNCT
fsr-3469	199	37	p	p	X
fsr-3469	199	38	<	<	X
fsr-3469	199	39	.0001	.0001	NOUN
fsr-3469	199	40	)	)	PUNCT
fsr-3469	199	41	.	.	PUNCT
fsr-3469	200	1	this	this	PRON
fsr-3469	200	2	supports	support	VERB
fsr-3469	200	3	excellent	excellent	ADJ
fsr-3469	200	4	internal	internal	ADJ
fsr-3469	200	5	reliability	reliability	NOUN
fsr-3469	200	6	and	and	CCONJ
fsr-3469	200	7	adequate	adequate	ADJ
fsr-3469	200	8	consistency	consistency	NOUN
fsr-3469	200	9	between	between	ADP
fsr-3469	200	10	the	the	DET
fsr-3469	200	11	time	time	NOUN
fsr-3469	200	12	periods	period	NOUN
fsr-3469	200	13	measured	measure	VERB
fsr-3469	200	14	.	.	PUNCT
fsr-3469	201	1	3.6	3.6	NUM
fsr-3469	201	2	.	.	PUNCT
fsr-3469	202	1	numeracy	numeracy	NOUN
fsr-3469	202	2	and	and	CCONJ
fsr-3469	202	3	numeracy	numeracy	NOUN
fsr-3469	202	4	self	self	NOUN
fsr-3469	202	5	-	-	PUNCT
fsr-3469	202	6	awareness	awareness	NOUN
fsr-3469	202	7	(	(	PUNCT
fsr-3469	202	8	dunning	dun	VERB
fsr-3469	202	9	kruger	kruger	PROPN
fsr-3469	202	10	)	)	PUNCT
fsr-3469	203	1	we	we	PRON
fsr-3469	203	2	based	base	VERB
fsr-3469	203	3	our	our	PRON
fsr-3469	203	4	numeracy	numeracy	NOUN
fsr-3469	203	5	scale	scale	NOUN
fsr-3469	203	6	on	on	ADP
fsr-3469	203	7	the	the	DET
fsr-3469	203	8	weller	weller	NOUN
fsr-3469	203	9	et	et	PROPN
fsr-3469	203	10	al	al	PROPN
fsr-3469	203	11	.	.	PROPN
fsr-3469	204	1	(	(	PUNCT
fsr-3469	204	2	2013	2013	NUM
fsr-3469	204	3	)	)	PUNCT
fsr-3469	204	4	numeracy	numeracy	NOUN
fsr-3469	204	5	scale	scale	NOUN
fsr-3469	204	6	.	.	PUNCT
fsr-3469	205	1	while	while	SCONJ
fsr-3469	205	2	we	we	PRON
fsr-3469	205	3	maintained	maintain	VERB
fsr-3469	205	4	the	the	DET
fsr-3469	205	5	mathematical	mathematical	ADJ
fsr-3469	205	6	integrity	integrity	NOUN
fsr-3469	205	7	of	of	ADP
fsr-3469	205	8	each	each	DET
fsr-3469	205	9	question	question	NOUN
fsr-3469	205	10	,	,	PUNCT
fsr-3469	205	11	we	we	PRON
fsr-3469	205	12	reframed	reframe	VERB
fsr-3469	205	13	certain	certain	ADJ
fsr-3469	205	14	questions	question	NOUN
fsr-3469	205	15	to	to	PART
fsr-3469	205	16	reflect	reflect	VERB
fsr-3469	205	17	a	a	DET
fsr-3469	205	18	retirement	retirement	NOUN
fsr-3469	205	19	income	income	NOUN
fsr-3469	205	20	context	context	NOUN
fsr-3469	205	21	.	.	PUNCT
fsr-3469	206	1	participants	participant	NOUN
fsr-3469	206	2	were	be	AUX
fsr-3469	206	3	asked	ask	VERB
fsr-3469	206	4	to	to	PART
fsr-3469	206	5	answer	answer	VERB
fsr-3469	206	6	eight	eight	NUM
fsr-3469	206	7	questions	question	NOUN
fsr-3469	206	8	largely	largely	ADV
fsr-3469	206	9	detailing	detail	VERB
fsr-3469	206	10	a	a	DET
fsr-3469	206	11	general	general	ADJ
fsr-3469	206	12	understanding	understanding	NOUN
fsr-3469	206	13	of	of	ADP
fsr-3469	206	14	probabilities	probability	NOUN
fsr-3469	206	15	.	.	PUNCT
fsr-3469	207	1	our	our	PRON
fsr-3469	207	2	participants	participant	NOUN
fsr-3469	207	3	average	average	ADJ
fsr-3469	207	4	test	test	NOUN
fsr-3469	207	5	score	score	NOUN
fsr-3469	207	6	is	be	AUX
fsr-3469	207	7	66	66	NUM
fsr-3469	207	8	%	%	NOUN
fsr-3469	207	9	(	(	PUNCT
fsr-3469	207	10	5.25/8	5.25/8	NUM
fsr-3469	207	11	)	)	PUNCT
fsr-3469	207	12	.	.	PUNCT
fsr-3469	208	1	as	as	ADP
fsr-3469	208	2	a	a	DET
fsr-3469	208	3	general	general	ADJ
fsr-3469	208	4	measure	measure	NOUN
fsr-3469	208	5	of	of	ADP
fsr-3469	208	6	perceived	perceive	VERB
fsr-3469	208	7	numeracy	numeracy	NOUN
fsr-3469	208	8	,	,	PUNCT
fsr-3469	208	9	we	we	PRON
fsr-3469	208	10	asked	ask	VERB
fsr-3469	208	11	participants	participant	NOUN
fsr-3469	208	12	how	how	SCONJ
fsr-3469	208	13	many	many	ADJ
fsr-3469	208	14	of	of	ADP
fsr-3469	208	15	the	the	DET
fsr-3469	208	16	questions	question	NOUN
fsr-3469	208	17	did	do	AUX
fsr-3469	208	18	they	they	PRON
fsr-3469	208	19	think	think	VERB
fsr-3469	208	20	they	they	PRON
fsr-3469	208	21	answered	answer	VERB
fsr-3469	208	22	correctly	correctly	ADV
fsr-3469	208	23	.	.	PUNCT
fsr-3469	209	1	on	on	ADP
fsr-3469	209	2	average	average	ADJ
fsr-3469	209	3	,	,	PUNCT
fsr-3469	209	4	participants	participant	NOUN
fsr-3469	209	5	overestimate	overestimate	VERB
fsr-3469	209	6	their	their	PRON
fsr-3469	209	7	scores	score	NOUN
fsr-3469	209	8	by	by	ADP
fsr-3469	209	9	18	18	NUM
fsr-3469	209	10	percentage	percentage	NOUN
fsr-3469	209	11	points	point	NOUN
fsr-3469	209	12	.	.	PUNCT
fsr-3469	210	1	3.7	3.7	NUM
fsr-3469	210	2	.	.	PUNCT
fsr-3469	211	1	portfolio	portfolio	NOUN
fsr-3469	211	2	loss	loss	NOUN
fsr-3469	211	3	aversion	aversion	NOUN
fsr-3469	211	4	to	to	PART
fsr-3469	211	5	measure	measure	VERB
fsr-3469	211	6	a	a	DET
fsr-3469	211	7	general	general	ADJ
fsr-3469	211	8	sense	sense	NOUN
fsr-3469	211	9	of	of	ADP
fsr-3469	211	10	portfolio	portfolio	NOUN
fsr-3469	211	11	loss	loss	NOUN
fsr-3469	211	12	aversion	aversion	NOUN
fsr-3469	211	13	,	,	PUNCT
fsr-3469	211	14	we	we	PRON
fsr-3469	211	15	presented	present	VERB
fsr-3469	211	16	respondents	respondent	NOUN
fsr-3469	211	17	with	with	ADP
fsr-3469	211	18	an	an	DET
fsr-3469	211	19	equal	equal	ADJ
fsr-3469	211	20	probability	probability	NOUN
fsr-3469	211	21	gamble	gamble	NOUN
fsr-3469	211	22	between	between	ADP
fsr-3469	211	23	a	a	DET
fsr-3469	211	24	positive	positive	ADJ
fsr-3469	211	25	and	and	CCONJ
fsr-3469	211	26	negative	negative	ADJ
fsr-3469	211	27	portfolio	portfolio	NOUN
fsr-3469	211	28	outcome	outcome	NOUN
fsr-3469	211	29	.	.	PUNCT
fsr-3469	212	1	after	after	SCONJ
fsr-3469	212	2	directions	direction	NOUN
fsr-3469	212	3	were	be	AUX
fsr-3469	212	4	presented	present	VERB
fsr-3469	212	5	,	,	PUNCT
fsr-3469	212	6	the	the	DET
fsr-3469	212	7	first	first	ADJ
fsr-3469	212	8	question	question	NOUN
fsr-3469	212	9	read	read	NOUN
fsr-3469	212	10	:	:	PUNCT
fsr-3469	212	11	please	please	INTJ
fsr-3469	212	12	state	state	VERB
fsr-3469	212	13	whether	whether	SCONJ
fsr-3469	212	14	you	you	PRON
fsr-3469	212	15	would	would	AUX
fsr-3469	212	16	accept	accept	VERB
fsr-3469	212	17	the	the	DET
fsr-3469	212	18	table	table	NOUN
fsr-3469	212	19	5	5	NUM
fsr-3469	212	20	exploratory	exploratory	ADJ
fsr-3469	212	21	factor	factor	NOUN
fsr-3469	212	22	analysis	analysis	NOUN
fsr-3469	212	23	,	,	PUNCT
fsr-3469	212	24	cronbach	cronbach	VERB
fsr-3469	212	25	’s	’s	NOUN
fsr-3469	212	26	a	a	DET
fsr-3469	212	27	,	,	PUNCT
fsr-3469	212	28	and	and	CCONJ
fsr-3469	212	29	pearson	pearson	PROPN
fsr-3469	212	30	correlation	correlation	NOUN
fsr-3469	212	31	coefficient	coefficient	NOUN
fsr-3469	212	32	for	for	ADP
fsr-3469	212	33	advisor	advisor	NOUN
fsr-3469	212	34	usefulness	usefulness	NOUN
fsr-3469	212	35	scale	scale	NOUN
fsr-3469	212	36	factor	factor	NOUN
fsr-3469	212	37	loadings	loading	NOUN
fsr-3469	212	38	for	for	ADP
fsr-3469	212	39	all	all	DET
fsr-3469	212	40	items	item	NOUN
fsr-3469	212	41	*	*	PUNCT
fsr-3469	212	42	*	*	NOUN
fsr-3469	212	43	factors	factor	NOUN
fsr-3469	212	44	eigenvalues	eigenvalue	VERB
fsr-3469	212	45	1	1	NUM
fsr-3469	212	46	8.24	8.24	NUM
fsr-3469	212	47	2	2	NUM
fsr-3469	212	48	3.14	3.14	NUM
fsr-3469	212	49	3	3	NUM
fsr-3469	212	50	2.42	2.42	NUM
fsr-3469	212	51	advisor	advisor	NOUN
fsr-3469	212	52	usefulness	usefulness	NOUN
fsr-3469	212	53	cronbach	cronbach	PROPN
fsr-3469	212	54	’s	’s	PART
fsr-3469	212	55	coefficient	coefficient	NOUN
fsr-3469	212	56	a	a	DET
fsr-3469	212	57	*	*	PUNCT
fsr-3469	212	58	pearson	pearson	NOUN
fsr-3469	212	59	correlation	correlation	NOUN
fsr-3469	212	60	coefficient	coefficient	NOUN
fsr-3469	212	61	*	*	PROPN
fsr-3469	212	62	0.96	0.96	NUM
fsr-3469	212	63	0.65	0.65	NUM
fsr-3469	212	64	11	11	NUM
fsr-3469	212	65	0.87	0.87	NUM
fsr-3469	212	66	16	16	NUM
fsr-3469	212	67	0.87	0.87	NUM
fsr-3469	212	68	10	10	NUM
fsr-3469	212	69	0.86	0.86	NUM
fsr-3469	212	70	8	8	NUM
fsr-3469	212	71	0.84	0.84	NUM
fsr-3469	212	72	7	7	NUM
fsr-3469	212	73	0.84	0.84	NUM
fsr-3469	212	74	9	9	NUM
fsr-3469	212	75	0.84	0.84	NUM
fsr-3469	212	76	13	13	NUM
fsr-3469	212	77	0.84	0.84	NUM
fsr-3469	212	78	15	15	NUM
fsr-3469	212	79	0.81	0.81	NUM
fsr-3469	212	80	12	12	NUM
fsr-3469	212	81	0.72	0.72	NUM
fsr-3469	212	82	4	4	NUM
fsr-3469	212	83	0.69	0.69	NUM
fsr-3469	212	84	0.46	0.46	NUM
fsr-3469	212	85	18	18	NUM
fsr-3469	212	86	0.68	0.68	NUM
fsr-3469	212	87	0.47	0.47	NUM
fsr-3469	212	88	14	14	NUM
fsr-3469	212	89	0.54	0.54	NUM
fsr-3469	212	90	0.52	0.52	NUM
fsr-3469	212	91	19	19	NUM
fsr-3469	212	92	0.42	0.42	NUM
fsr-3469	212	93	0.45	0.45	NUM
fsr-3469	212	94	5	5	NUM
fsr-3469	212	95	0.42	0.42	NUM
fsr-3469	212	96	0.64	0.64	NUM
fsr-3469	212	97	6	6	NUM
fsr-3469	212	98	0.77	0.77	NUM
fsr-3469	212	99	20	20	NUM
fsr-3469	212	100	0.56	0.56	NUM
fsr-3469	212	101	17	17	NUM
fsr-3469	212	102	0.68	0.68	NUM
fsr-3469	212	103	3	3	NUM
fsr-3469	212	104	0.80	0.80	NUM
fsr-3469	212	105	2	2	NUM
fsr-3469	212	106	0.58	0.58	NUM
fsr-3469	212	107	0.47	0.47	NUM
fsr-3469	212	108	1	1	NUM
fsr-3469	212	109	0.59	0.59	NUM
fsr-3469	212	110	note	note	NOUN
fsr-3469	212	111	.	.	PUNCT
fsr-3469	213	1	*	*	PUNCT
fsr-3469	213	2	cronbach	cronbach	VERB
fsr-3469	213	3	’s	’s	NOUN
fsr-3469	213	4	a	a	DET
fsr-3469	213	5	and	and	CCONJ
fsr-3469	213	6	pearson	pearson	NOUN
fsr-3469	213	7	correlation	correlation	NOUN
fsr-3469	213	8	coefficients	coefficient	NOUN
fsr-3469	213	9	selected	select	VERB
fsr-3469	213	10	for	for	ADP
fsr-3469	213	11	the	the	DET
fsr-3469	213	12	items	item	NOUN
fsr-3469	213	13	in	in	ADP
fsr-3469	213	14	bold	bold	ADJ
fsr-3469	213	15	.	.	PUNCT
fsr-3469	214	1	they	they	PRON
fsr-3469	214	2	represent	represent	VERB
fsr-3469	214	3	the	the	DET
fsr-3469	214	4	final	final	ADJ
fsr-3469	214	5	questions	question	NOUN
fsr-3469	214	6	for	for	ADP
fsr-3469	214	7	each	each	DET
fsr-3469	214	8	scale	scale	NOUN
fsr-3469	214	9	.	.	PUNCT
fsr-3469	215	1	*	*	PUNCT
fsr-3469	215	2	*	*	PUNCT
fsr-3469	215	3	only	only	ADJ
fsr-3469	215	4	factor	factor	NOUN
fsr-3469	215	5	loadings	loading	NOUN
fsr-3469	215	6	greater	great	ADJ
fsr-3469	215	7	or	or	CCONJ
fsr-3469	215	8	equal	equal	ADJ
fsr-3469	215	9	to	to	ADP
fsr-3469	215	10	0.40	0.40	NUM
fsr-3469	215	11	are	be	AUX
fsr-3469	215	12	presented	present	VERB
fsr-3469	215	13	.	.	PUNCT
fsr-3469	216	1	a.	a.	PROPN
fsr-3469	216	2	murgua	murgua	PROPN
fsr-3469	216	3	and	and	CCONJ
fsr-3469	216	4	w.	w.	PROPN
fsr-3469	216	5	pfau	pfau	PROPN
fsr-3469	216	6	/	/	SYM
fsr-3469	216	7	financial	financial	ADJ
fsr-3469	216	8	services	service	NOUN
fsr-3469	216	9	review	review	VERB
fsr-3469	216	10	30	30	NUM
fsr-3469	216	11	(	(	PUNCT
fsr-3469	216	12	2022	2022	NUM
fsr-3469	216	13	)	)	PUNCT
fsr-3469	216	14	1–29	1–29	PROPN
fsr-3469	216	15	11	11	NUM
fsr-3469	216	16	following	follow	VERB
fsr-3469	216	17	options	option	NOUN
fsr-3469	216	18	?	?	PUNCT
fsr-3469	217	1	a	a	DET
fsr-3469	217	2	50	50	NUM
fsr-3469	217	3	-	-	SYM
fsr-3469	217	4	50	50	NUM
fsr-3469	217	5	gamble	gamble	NOUN
fsr-3469	217	6	of	of	ADP
fsr-3469	217	7	your	your	PRON
fsr-3469	217	8	portfolio	portfolio	NOUN
fsr-3469	217	9	losing	lose	VERB
fsr-3469	217	10	11	11	NUM
fsr-3469	217	11	%	%	NOUN
fsr-3469	217	12	or	or	CCONJ
fsr-3469	217	13	gaining	gain	VERB
fsr-3469	217	14	35	35	NUM
fsr-3469	217	15	%	%	NOUN
fsr-3469	217	16	.	.	PUNCT
fsr-3469	218	1	as	as	ADP
fsr-3469	218	2	an	an	DET
fsr-3469	218	3	example	example	NOUN
fsr-3469	218	4	;	;	PUNCT
fsr-3469	218	5	if	if	SCONJ
fsr-3469	218	6	you	you	PRON
fsr-3469	218	7	had	have	VERB
fsr-3469	218	8	a	a	DET
fsr-3469	218	9	$	$	SYM
fsr-3469	218	10	1,000,000	1,000,000	NUM
fsr-3469	218	11	portfolio	portfolio	NOUN
fsr-3469	218	12	,	,	PUNCT
fsr-3469	218	13	would	would	AUX
fsr-3469	218	14	you	you	PRON
fsr-3469	218	15	take	take	VERB
fsr-3469	218	16	a	a	DET
fsr-3469	218	17	50	50	NUM
fsr-3469	218	18	-	-	SYM
fsr-3469	218	19	50	50	NUM
fsr-3469	218	20	gamble	gamble	NOUN
fsr-3469	218	21	of	of	ADP
fsr-3469	218	22	your	your	PRON
fsr-3469	218	23	investment	investment	NOUN
fsr-3469	218	24	portfolio	portfolio	NOUN
fsr-3469	218	25	losing	lose	VERB
fsr-3469	218	26	$	$	SYM
fsr-3469	218	27	110,000	110,000	NUM
fsr-3469	218	28	or	or	CCONJ
fsr-3469	218	29	gaining	gain	VERB
fsr-3469	218	30	$	$	SYM
fsr-3469	218	31	350,000	350,000	NUM
fsr-3469	218	32	?	?	PUNCT
fsr-3469	219	1	questions	question	NOUN
fsr-3469	219	2	with	with	ADP
fsr-3469	219	3	a	a	DET
fsr-3469	219	4	decreasing	decrease	VERB
fsr-3469	219	5	gain	gain	NOUN
fsr-3469	219	6	to	to	PART
fsr-3469	219	7	loss	loss	NOUN
fsr-3469	219	8	ratio	ratio	NOUN
fsr-3469	219	9	are	be	AUX
fsr-3469	219	10	presented	present	VERB
fsr-3469	219	11	until	until	SCONJ
fsr-3469	219	12	the	the	DET
fsr-3469	219	13	respondent	respondent	NOUN
fsr-3469	219	14	responds	respond	VERB
fsr-3469	219	15	“	"	PUNCT
fsr-3469	219	16	no	no	INTJ
fsr-3469	219	17	.	.	PUNCT
fsr-3469	219	18	”	"	PUNCT
fsr-3469	220	1	the	the	DET
fsr-3469	220	2	first	first	ADJ
fsr-3469	220	3	question	question	NOUN
fsr-3469	220	4	presented	present	VERB
fsr-3469	220	5	here	here	ADV
fsr-3469	220	6	represents	represent	VERB
fsr-3469	220	7	a	a	DET
fsr-3469	220	8	3.18	3.18	NUM
fsr-3469	220	9	gain	gain	NOUN
fsr-3469	220	10	to	to	PART
fsr-3469	220	11	loss	loss	NOUN
fsr-3469	220	12	ratio	ratio	NOUN
fsr-3469	220	13	(	(	PUNCT
fsr-3469	220	14	35	35	NUM
fsr-3469	220	15	%	%	NOUN
fsr-3469	220	16	gain	gain	NOUN
fsr-3469	220	17	vs.	vs.	ADP
fsr-3469	220	18	11	11	NUM
fsr-3469	220	19	%	%	NOUN
fsr-3469	220	20	loss	loss	NOUN
fsr-3469	220	21	)	)	PUNCT
fsr-3469	220	22	,	,	PUNCT
fsr-3469	220	23	and	and	CCONJ
fsr-3469	220	24	each	each	DET
fsr-3469	220	25	subsequent	subsequent	ADJ
fsr-3469	220	26	question	question	NOUN
fsr-3469	220	27	reduced	reduce	VERB
fsr-3469	220	28	the	the	DET
fsr-3469	220	29	spread	spread	NOUN
fsr-3469	220	30	between	between	ADP
fsr-3469	220	31	the	the	DET
fsr-3469	220	32	gain	gain	NOUN
fsr-3469	220	33	to	to	PART
fsr-3469	220	34	loss	loss	VERB
fsr-3469	220	35	ratio	ratio	NOUN
fsr-3469	220	36	by	by	ADP
fsr-3469	220	37	roughly	roughly	ADV
fsr-3469	220	38	20	20	NUM
fsr-3469	220	39	%	%	NOUN
fsr-3469	220	40	.	.	PUNCT
fsr-3469	221	1	accepting	accept	VERB
fsr-3469	221	2	a	a	DET
fsr-3469	221	3	lower	low	ADJ
fsr-3469	221	4	gain	gain	NOUN
fsr-3469	221	5	to	to	PART
fsr-3469	221	6	loss	loss	NOUN
fsr-3469	221	7	ratio	ratio	NOUN
fsr-3469	221	8	reflects	reflect	VERB
fsr-3469	221	9	increasing	increase	VERB
fsr-3469	221	10	levels	level	NOUN
fsr-3469	221	11	of	of	ADP
fsr-3469	221	12	risk	risk	NOUN
fsr-3469	221	13	tolerance	tolerance	NOUN
fsr-3469	221	14	.	.	PUNCT
fsr-3469	222	1	scores	score	NOUN
fsr-3469	222	2	were	be	AUX
fsr-3469	222	3	computed	compute	VERB
fsr-3469	222	4	by	by	ADP
fsr-3469	222	5	dividing	divide	VERB
fsr-3469	222	6	the	the	DET
fsr-3469	222	7	number	number	NOUN
fsr-3469	222	8	of	of	ADP
fsr-3469	222	9	questions	question	NOUN
fsr-3469	222	10	completed	complete	VERB
fsr-3469	222	11	by	by	ADP
fsr-3469	222	12	the	the	DET
fsr-3469	222	13	total	total	ADJ
fsr-3469	222	14	number	number	NOUN
fsr-3469	222	15	of	of	ADP
fsr-3469	222	16	available	available	ADJ
fsr-3469	222	17	questions	question	NOUN
fsr-3469	222	18	.	.	PUNCT
fsr-3469	223	1	as	as	ADP
fsr-3469	223	2	an	an	DET
fsr-3469	223	3	example	example	NOUN
fsr-3469	223	4	,	,	PUNCT
fsr-3469	223	5	a	a	DET
fsr-3469	223	6	score	score	NOUN
fsr-3469	223	7	of	of	ADP
fsr-3469	223	8	0.17	0.17	NUM
fsr-3469	223	9	would	would	AUX
fsr-3469	223	10	indicate	indicate	VERB
fsr-3469	223	11	that	that	SCONJ
fsr-3469	223	12	only	only	ADV
fsr-3469	223	13	the	the	DET
fsr-3469	223	14	most	most	ADV
fsr-3469	223	15	conservative	conservative	ADJ
fsr-3469	223	16	question	question	NOUN
fsr-3469	223	17	was	be	AUX
fsr-3469	223	18	answered	answer	VERB
fsr-3469	223	19	“	"	PUNCT
fsr-3469	223	20	yes	yes	INTJ
fsr-3469	223	21	”	"	PUNCT
fsr-3469	223	22	(	(	PUNCT
fsr-3469	223	23	0.17	0.17	NUM
fsr-3469	223	24	=	=	SYM
fsr-3469	223	25	1/6	1/6	NUM
fsr-3469	223	26	)	)	PUNCT
fsr-3469	223	27	.	.	PUNCT
fsr-3469	224	1	a	a	DET
fsr-3469	224	2	low	low	ADJ
fsr-3469	224	3	score	score	NOUN
fsr-3469	224	4	indicates	indicate	VERB
fsr-3469	224	5	greater	great	ADJ
fsr-3469	224	6	loss	loss	NOUN
fsr-3469	224	7	aversion	aversion	NOUN
fsr-3469	224	8	.	.	PUNCT
fsr-3469	225	1	the	the	DET
fsr-3469	225	2	average	average	ADJ
fsr-3469	225	3	score	score	NOUN
fsr-3469	225	4	was	be	AUX
fsr-3469	225	5	0.38	0.38	NUM
fsr-3469	225	6	indicating	indicate	VERB
fsr-3469	225	7	that	that	SCONJ
fsr-3469	225	8	the	the	DET
fsr-3469	225	9	average	average	ADJ
fsr-3469	225	10	gain	gain	NOUN
fsr-3469	225	11	to	to	PART
fsr-3469	225	12	loss	loss	NOUN
fsr-3469	225	13	multiplier	multiplier	ADV
fsr-3469	225	14	was	be	AUX
fsr-3469	225	15	2.34	2.34	NUM
fsr-3469	225	16	.	.	PUNCT
fsr-3469	226	1	this	this	PRON
fsr-3469	226	2	means	mean	VERB
fsr-3469	226	3	that	that	SCONJ
fsr-3469	226	4	the	the	DET
fsr-3469	226	5	participants	participant	NOUN
fsr-3469	226	6	need	need	VERB
fsr-3469	226	7	,	,	PUNCT
fsr-3469	226	8	on	on	ADP
fsr-3469	226	9	average	average	ADJ
fsr-3469	226	10	,	,	PUNCT
fsr-3469	226	11	a	a	DET
fsr-3469	226	12	gain	gain	NOUN
fsr-3469	226	13	of	of	ADP
fsr-3469	226	14	2.34	2.34	NUM
fsr-3469	226	15	times	time	NOUN
fsr-3469	226	16	the	the	DET
fsr-3469	226	17	amount	amount	NOUN
fsr-3469	226	18	of	of	ADP
fsr-3469	226	19	the	the	DET
fsr-3469	226	20	potential	potential	ADJ
fsr-3469	226	21	loss	loss	NOUN
fsr-3469	226	22	to	to	PART
fsr-3469	226	23	engage	engage	VERB
fsr-3469	226	24	in	in	ADP
fsr-3469	226	25	an	an	DET
fsr-3469	226	26	equal	equal	ADJ
fsr-3469	226	27	probability	probability	NOUN
fsr-3469	226	28	bet	bet	NOUN
fsr-3469	226	29	.	.	PUNCT
fsr-3469	227	1	3.8	3.8	NUM
fsr-3469	227	2	.	.	PUNCT
fsr-3469	228	1	retirement	retirement	NOUN
fsr-3469	228	2	income	income	NOUN
fsr-3469	228	3	concerns	concern	NOUN
fsr-3469	228	4	while	while	SCONJ
fsr-3469	228	5	the	the	DET
fsr-3469	228	6	scales	scale	NOUN
fsr-3469	228	7	above	above	ADV
fsr-3469	228	8	represent	represent	VERB
fsr-3469	228	9	our	our	PRON
fsr-3469	228	10	key	key	ADJ
fsr-3469	228	11	psychological	psychological	ADJ
fsr-3469	228	12	and	and	CCONJ
fsr-3469	228	13	behavioral	behavioral	ADJ
fsr-3469	228	14	finance	finance	NOUN
fsr-3469	228	15	variables	variable	NOUN
fsr-3469	228	16	for	for	ADP
fsr-3469	228	17	analysis	analysis	NOUN
fsr-3469	228	18	,	,	PUNCT
fsr-3469	228	19	the	the	DET
fsr-3469	228	20	following	follow	VERB
fsr-3469	228	21	variables	variable	NOUN
fsr-3469	228	22	will	will	AUX
fsr-3469	228	23	also	also	ADV
fsr-3469	228	24	help	help	VERB
fsr-3469	228	25	address	address	VERB
fsr-3469	228	26	how	how	SCONJ
fsr-3469	228	27	these	these	PRON
fsr-3469	228	28	constructs	construct	VERB
fsr-3469	228	29	influence	influence	NOUN
fsr-3469	228	30	retirement	retirement	NOUN
fsr-3469	228	31	income	income	NOUN
fsr-3469	228	32	concerns	concern	NOUN
fsr-3469	228	33	,	,	PUNCT
fsr-3469	228	34	investment	investment	NOUN
fsr-3469	228	35	behaviors	behavior	NOUN
fsr-3469	228	36	,	,	PUNCT
fsr-3469	228	37	and	and	CCONJ
fsr-3469	228	38	retirement	retirement	NOUN
fsr-3469	228	39	outlook	outlook	NOUN
fsr-3469	228	40	.	.	PUNCT
fsr-3469	229	1	first	first	ADV
fsr-3469	229	2	,	,	PUNCT
fsr-3469	229	3	we	we	PRON
fsr-3469	229	4	attempt	attempt	VERB
fsr-3469	229	5	to	to	PART
fsr-3469	229	6	quantify	quantify	VERB
fsr-3469	229	7	retirement	retirement	NOUN
fsr-3469	229	8	income	income	NOUN
fsr-3469	229	9	goals	goal	NOUN
fsr-3469	229	10	by	by	ADP
fsr-3469	229	11	measuring	measure	VERB
fsr-3469	229	12	the	the	DET
fsr-3469	229	13	level	level	NOUN
fsr-3469	229	14	of	of	ADP
fsr-3469	229	15	concern	concern	NOUN
fsr-3469	229	16	a	a	DET
fsr-3469	229	17	respondent	respondent	NOUN
fsr-3469	229	18	feels	feel	VERB
fsr-3469	229	19	about	about	ADP
fsr-3469	229	20	achieving	achieve	VERB
fsr-3469	229	21	a	a	DET
fsr-3469	229	22	retirement	retirement	NOUN
fsr-3469	229	23	objective	objective	NOUN
fsr-3469	229	24	.	.	PUNCT
fsr-3469	230	1	we	we	PRON
fsr-3469	230	2	classify	classify	VERB
fsr-3469	230	3	three	three	NUM
fsr-3469	230	4	distinct	distinct	ADJ
fsr-3469	230	5	concerns	concern	NOUN
fsr-3469	230	6	;	;	PUNCT
fsr-3469	230	7	longevity	longevity	NOUN
fsr-3469	230	8	,	,	PUNCT
fsr-3469	230	9	lifestyle	lifestyle	NOUN
fsr-3469	230	10	,	,	PUNCT
fsr-3469	230	11	and	and	CCONJ
fsr-3469	230	12	liquidity	liquidity	NOUN
fsr-3469	230	13	objectives	objective	NOUN
fsr-3469	230	14	.	.	PUNCT
fsr-3469	231	1	scales	scale	NOUN
fsr-3469	231	2	for	for	ADP
fsr-3469	231	3	these	these	DET
fsr-3469	231	4	retirement	retirement	NOUN
fsr-3469	231	5	concerns	concern	NOUN
fsr-3469	231	6	were	be	AUX
fsr-3469	231	7	presented	present	VERB
fsr-3469	231	8	via	via	ADP
fsr-3469	231	9	sematic	sematic	ADJ
fsr-3469	231	10	differential	differential	NOUN
fsr-3469	231	11	with	with	ADP
fsr-3469	231	12	a	a	DET
fsr-3469	231	13	six	six	NUM
fsr-3469	231	14	-	-	PUNCT
fsr-3469	231	15	point	point	NOUN
fsr-3469	231	16	scale	scale	NOUN
fsr-3469	231	17	.	.	PUNCT
fsr-3469	232	1	a	a	DET
fsr-3469	232	2	high	high	ADJ
fsr-3469	232	3	score	score	NOUN
fsr-3469	232	4	indicates	indicate	VERB
fsr-3469	232	5	a	a	DET
fsr-3469	232	6	greater	great	ADJ
fsr-3469	232	7	level	level	NOUN
fsr-3469	232	8	of	of	ADP
fsr-3469	232	9	concern	concern	NOUN
fsr-3469	232	10	.	.	PUNCT
fsr-3469	233	1	3.8.1	3.8.1	X
fsr-3469	233	2	.	.	PUNCT
fsr-3469	233	3	longevity	longevity	NOUN
fsr-3469	233	4	longevity	longevity	NOUN
fsr-3469	233	5	objectives	objective	NOUN
fsr-3469	233	6	are	be	AUX
fsr-3469	233	7	centered	center	VERB
fsr-3469	233	8	around	around	ADP
fsr-3469	233	9	addressing	address	VERB
fsr-3469	233	10	the	the	DET
fsr-3469	233	11	main	main	ADJ
fsr-3469	233	12	risk	risk	NOUN
fsr-3469	233	13	of	of	ADP
fsr-3469	233	14	retirement	retirement	NOUN
fsr-3469	233	15	:	:	PUNCT
fsr-3469	233	16	outliving	outlive	VERB
fsr-3469	233	17	your	your	PRON
fsr-3469	233	18	money	money	NOUN
fsr-3469	233	19	.	.	PUNCT
fsr-3469	234	1	most	most	ADJ
fsr-3469	234	2	examples	example	NOUN
fsr-3469	234	3	center	center	NOUN
fsr-3469	234	4	on	on	ADP
fsr-3469	234	5	financial	financial	ADJ
fsr-3469	234	6	independence	independence	NOUN
fsr-3469	234	7	and	and	CCONJ
fsr-3469	234	8	knowing	know	VERB
fsr-3469	234	9	that	that	SCONJ
fsr-3469	234	10	you	you	PRON
fsr-3469	234	11	can	can	AUX
fsr-3469	234	12	pay	pay	VERB
fsr-3469	234	13	your	your	PRON
fsr-3469	234	14	basic	basic	ADJ
fsr-3469	234	15	expenses	expense	NOUN
fsr-3469	234	16	and	and	CCONJ
fsr-3469	234	17	not	not	PART
fsr-3469	234	18	be	be	AUX
fsr-3469	234	19	a	a	DET
fsr-3469	234	20	burden	burden	NOUN
fsr-3469	234	21	to	to	ADP
fsr-3469	234	22	others	other	NOUN
fsr-3469	234	23	.	.	PUNCT
fsr-3469	235	1	the	the	DET
fsr-3469	235	2	average	average	ADJ
fsr-3469	235	3	longevity	longevity	NOUN
fsr-3469	235	4	score	score	NOUN
fsr-3469	235	5	of	of	ADP
fsr-3469	235	6	2.63	2.63	NUM
fsr-3469	235	7	indicates	indicate	VERB
fsr-3469	235	8	an	an	DET
fsr-3469	235	9	overall	overall	ADJ
fsr-3469	235	10	lower	low	ADJ
fsr-3469	235	11	level	level	NOUN
fsr-3469	235	12	of	of	ADP
fsr-3469	235	13	longevity	longevity	NOUN
fsr-3469	235	14	concern	concern	NOUN
fsr-3469	235	15	across	across	ADP
fsr-3469	235	16	our	our	PRON
fsr-3469	235	17	participants	participant	NOUN
fsr-3469	235	18	.	.	PUNCT
fsr-3469	236	1	3.8.2	3.8.2	X
fsr-3469	236	2	.	.	PUNCT
fsr-3469	236	3	lifestyle	lifestyle	PROPN
fsr-3469	236	4	lifestyle	lifestyle	PROPN
fsr-3469	236	5	objectives	objective	NOUN
fsr-3469	236	6	focus	focus	VERB
fsr-3469	236	7	on	on	ADP
fsr-3469	236	8	maintaining	maintain	VERB
fsr-3469	236	9	your	your	PRON
fsr-3469	236	10	desired	desire	VERB
fsr-3469	236	11	standard	standard	NOUN
fsr-3469	236	12	of	of	ADP
fsr-3469	236	13	living	living	NOUN
fsr-3469	236	14	and	and	CCONJ
fsr-3469	236	15	enjoying	enjoy	VERB
fsr-3469	236	16	your	your	PRON
fsr-3469	236	17	retirement	retirement	NOUN
fsr-3469	236	18	with	with	ADP
fsr-3469	236	19	more	more	ADJ
fsr-3469	236	20	discretionary	discretionary	ADJ
fsr-3469	236	21	spending	spending	NOUN
fsr-3469	236	22	.	.	PUNCT
fsr-3469	237	1	these	these	DET
fsr-3469	237	2	goals	goal	NOUN
fsr-3469	237	3	require	require	VERB
fsr-3469	237	4	you	you	PRON
fsr-3469	237	5	to	to	PART
fsr-3469	237	6	maximize	maximize	VERB
fsr-3469	237	7	your	your	PRON
fsr-3469	237	8	spending	spending	NOUN
fsr-3469	237	9	power	power	NOUN
fsr-3469	237	10	.	.	PUNCT
fsr-3469	238	1	this	this	DET
fsr-3469	238	2	aspect	aspect	NOUN
fsr-3469	238	3	of	of	ADP
fsr-3469	238	4	retirement	retirement	NOUN
fsr-3469	238	5	planning	planning	NOUN
fsr-3469	238	6	is	be	AUX
fsr-3469	238	7	about	about	ADP
fsr-3469	238	8	maintaining	maintain	VERB
fsr-3469	238	9	or	or	CCONJ
fsr-3469	238	10	improving	improve	VERB
fsr-3469	238	11	your	your	PRON
fsr-3469	238	12	current	current	ADJ
fsr-3469	238	13	lifestyle	lifestyle	NOUN
fsr-3469	238	14	,	,	PUNCT
fsr-3469	238	15	rather	rather	ADV
fsr-3469	238	16	than	than	ADP
fsr-3469	238	17	living	live	VERB
fsr-3469	238	18	too	too	ADV
fsr-3469	238	19	conservatively	conservatively	ADV
fsr-3469	238	20	throughout	throughout	ADP
fsr-3469	238	21	retirement	retirement	NOUN
fsr-3469	238	22	.	.	PUNCT
fsr-3469	239	1	the	the	DET
fsr-3469	239	2	average	average	ADJ
fsr-3469	239	3	lifestyle	lifestyle	NOUN
fsr-3469	239	4	score	score	NOUN
fsr-3469	239	5	of	of	ADP
fsr-3469	239	6	3.90	3.90	NUM
fsr-3469	239	7	indicates	indicate	VERB
fsr-3469	239	8	that	that	SCONJ
fsr-3469	239	9	achieving	achieve	VERB
fsr-3469	239	10	lifestyle	lifestyle	NOUN
fsr-3469	239	11	objectives	objective	NOUN
fsr-3469	239	12	is	be	AUX
fsr-3469	239	13	an	an	DET
fsr-3469	239	14	above	above	ADJ
fsr-3469	239	15	average	average	ADJ
fsr-3469	239	16	concern	concern	NOUN
fsr-3469	239	17	.	.	PUNCT
fsr-3469	240	1	3.8.3	3.8.3	X
fsr-3469	240	2	.	.	PUNCT
fsr-3469	240	3	liquidity	liquidity	NOUN
fsr-3469	240	4	liquidity	liquidity	NOUN
fsr-3469	240	5	objectives	objective	NOUN
fsr-3469	240	6	involve	involve	VERB
fsr-3469	240	7	maintaining	maintain	VERB
fsr-3469	240	8	enough	enough	ADJ
fsr-3469	240	9	reserves	reserve	NOUN
fsr-3469	240	10	for	for	ADP
fsr-3469	240	11	unexpected	unexpected	ADJ
fsr-3469	240	12	contingencies	contingency	NOUN
fsr-3469	240	13	.	.	PUNCT
fsr-3469	241	1	maintaining	maintain	VERB
fsr-3469	241	2	enough	enough	ADJ
fsr-3469	241	3	liquidity	liquidity	NOUN
fsr-3469	241	4	is	be	AUX
fsr-3469	241	5	especially	especially	ADV
fsr-3469	241	6	important	important	ADJ
fsr-3469	241	7	for	for	ADP
fsr-3469	241	8	family	family	NOUN
fsr-3469	241	9	emergencies	emergency	NOUN
fsr-3469	241	10	,	,	PUNCT
fsr-3469	241	11	home	home	NOUN
fsr-3469	241	12	repairs	repair	NOUN
fsr-3469	241	13	,	,	PUNCT
fsr-3469	241	14	and	and	CCONJ
fsr-3469	241	15	an	an	DET
fsr-3469	241	16	unexpected	unexpected	ADJ
fsr-3469	241	17	death	death	NOUN
fsr-3469	241	18	or	or	CCONJ
fsr-3469	241	19	illness	illness	NOUN
fsr-3469	241	20	.	.	PUNCT
fsr-3469	242	1	the	the	DET
fsr-3469	242	2	average	average	ADJ
fsr-3469	242	3	score	score	NOUN
fsr-3469	242	4	of	of	ADP
fsr-3469	242	5	3.91	3.91	NUM
fsr-3469	242	6	also	also	ADV
fsr-3469	242	7	indicates	indicate	VERB
fsr-3469	242	8	that	that	SCONJ
fsr-3469	242	9	avoiding	avoid	VERB
fsr-3469	242	10	unforeseen	unforeseen	ADJ
fsr-3469	242	11	disruptions	disruption	NOUN
fsr-3469	242	12	to	to	ADP
fsr-3469	242	13	a	a	DET
fsr-3469	242	14	plan	plan	NOUN
fsr-3469	242	15	is	be	AUX
fsr-3469	242	16	an	an	DET
fsr-3469	242	17	above	above	ADJ
fsr-3469	242	18	average	average	ADJ
fsr-3469	242	19	concern	concern	NOUN
fsr-3469	242	20	.	.	PUNCT
fsr-3469	243	1	12	12	NUM
fsr-3469	243	2	a.	a.	NOUN
fsr-3469	243	3	murguı́a	murguı́a	PROPN
fsr-3469	243	4	and	and	CCONJ
fsr-3469	243	5	w.	w.	NOUN
fsr-3469	243	6	pfau	pfau	PROPN
fsr-3469	243	7	/	/	SYM
fsr-3469	243	8	financial	financial	ADJ
fsr-3469	243	9	services	service	NOUN
fsr-3469	243	10	review	review	VERB
fsr-3469	243	11	30	30	NUM
fsr-3469	243	12	(	(	PUNCT
fsr-3469	243	13	2022	2022	NUM
fsr-3469	243	14	)	)	PUNCT
fsr-3469	243	15	1–29	1–29	PROPN
fsr-3469	243	16	3.9	3.9	NUM
fsr-3469	243	17	.	.	PUNCT
fsr-3469	244	1	dividend	dividend	NOUN
fsr-3469	244	2	agnosticism	agnosticism	NOUN
fsr-3469	244	3	we	we	PRON
fsr-3469	244	4	also	also	ADV
fsr-3469	244	5	consider	consider	VERB
fsr-3469	244	6	two	two	NUM
fsr-3469	244	7	different	different	ADJ
fsr-3469	244	8	investment	investment	NOUN
fsr-3469	244	9	behavior	behavior	NOUN
fsr-3469	244	10	scales	scale	NOUN
fsr-3469	244	11	.	.	PUNCT
fsr-3469	245	1	while	while	SCONJ
fsr-3469	245	2	dividend	dividend	NOUN
fsr-3469	245	3	stocks	stock	NOUN
fsr-3469	245	4	produce	produce	VERB
fsr-3469	245	5	income	income	NOUN
fsr-3469	245	6	for	for	ADP
fsr-3469	245	7	their	their	PRON
fsr-3469	245	8	shareholders	shareholder	NOUN
fsr-3469	245	9	,	,	PUNCT
fsr-3469	245	10	from	from	ADP
fsr-3469	245	11	an	an	DET
fsr-3469	245	12	economic	economic	ADJ
fsr-3469	245	13	perspective	perspective	NOUN
fsr-3469	245	14	,	,	PUNCT
fsr-3469	245	15	no	no	DET
fsr-3469	245	16	value	value	NOUN
fsr-3469	245	17	is	be	AUX
fsr-3469	245	18	created	create	VERB
fsr-3469	245	19	or	or	CCONJ
fsr-3469	245	20	destroyed	destroy	VERB
fsr-3469	245	21	from	from	ADP
fsr-3469	245	22	issuing	issue	VERB
fsr-3469	245	23	dividends	dividend	NOUN
fsr-3469	245	24	.	.	PUNCT
fsr-3469	246	1	the	the	DET
fsr-3469	246	2	structure	structure	NOUN
fsr-3469	246	3	of	of	ADP
fsr-3469	246	4	capital	capital	NOUN
fsr-3469	246	5	is	be	AUX
fsr-3469	246	6	irrelevant	irrelevant	ADJ
fsr-3469	246	7	.	.	PUNCT
fsr-3469	247	1	with	with	ADP
fsr-3469	247	2	dividend	dividend	NOUN
fsr-3469	247	3	payouts	payout	NOUN
fsr-3469	247	4	,	,	PUNCT
fsr-3469	247	5	the	the	DET
fsr-3469	247	6	capital	capital	NOUN
fsr-3469	247	7	just	just	ADV
fsr-3469	247	8	moves	move	VERB
fsr-3469	247	9	from	from	ADP
fsr-3469	247	10	one	one	NUM
fsr-3469	247	11	theoretical	theoretical	ADJ
fsr-3469	247	12	pocket	pocket	NOUN
fsr-3469	247	13	to	to	ADP
fsr-3469	247	14	the	the	DET
fsr-3469	247	15	other	other	ADJ
fsr-3469	247	16	.	.	PUNCT
fsr-3469	248	1	regardless	regardless	ADV
fsr-3469	248	2	of	of	ADP
fsr-3469	248	3	this	this	PRON
fsr-3469	248	4	,	,	PUNCT
fsr-3469	248	5	a	a	DET
fsr-3469	248	6	significant	significant	ADJ
fsr-3469	248	7	number	number	NOUN
fsr-3469	248	8	of	of	ADP
fsr-3469	248	9	retirees	retiree	NOUN
fsr-3469	248	10	favor	favor	VERB
fsr-3469	248	11	a	a	DET
fsr-3469	248	12	dividend	dividend	NOUN
fsr-3469	248	13	matching	match	VERB
fsr-3469	248	14	approach	approach	NOUN
fsr-3469	248	15	to	to	ADP
fsr-3469	248	16	retirement	retirement	NOUN
fsr-3469	248	17	income	income	NOUN
fsr-3469	248	18	.	.	PUNCT
fsr-3469	249	1	the	the	DET
fsr-3469	249	2	industry	industry	NOUN
fsr-3469	249	3	further	far	ADV
fsr-3469	249	4	facilitates	facilitate	VERB
fsr-3469	249	5	this	this	DET
fsr-3469	249	6	focus	focus	NOUN
fsr-3469	249	7	with	with	ADP
fsr-3469	249	8	various	various	ADJ
fsr-3469	249	9	“	"	PUNCT
fsr-3469	249	10	investing	invest	VERB
fsr-3469	249	11	for	for	ADP
fsr-3469	249	12	yield	yield	NOUN
fsr-3469	249	13	”	"	PUNCT
fsr-3469	249	14	financial	financial	ADJ
fsr-3469	249	15	products	product	NOUN
fsr-3469	249	16	aimed	aim	VERB
fsr-3469	249	17	at	at	ADP
fsr-3469	249	18	retirees	retiree	NOUN
fsr-3469	249	19	.	.	PUNCT
fsr-3469	250	1	we	we	PRON
fsr-3469	250	2	developed	develop	VERB
fsr-3469	250	3	a	a	DET
fsr-3469	250	4	six	six	NUM
fsr-3469	250	5	-	-	PUNCT
fsr-3469	250	6	item	item	NOUN
fsr-3469	250	7	dividend	dividend	NOUN
fsr-3469	250	8	agnosticism	agnosticism	NOUN
fsr-3469	250	9	scale	scale	NOUN
fsr-3469	250	10	with	with	ADP
fsr-3469	250	11	a	a	DET
fsr-3469	250	12	semantic	semantic	ADJ
fsr-3469	250	13	differential	differential	NOUN
fsr-3469	250	14	format	format	NOUN
fsr-3469	250	15	.	.	PUNCT
fsr-3469	251	1	a	a	DET
fsr-3469	251	2	low	low	ADJ
fsr-3469	251	3	score	score	NOUN
fsr-3469	251	4	indicates	indicate	VERB
fsr-3469	251	5	a	a	DET
fsr-3469	251	6	preference	preference	NOUN
fsr-3469	251	7	for	for	ADP
fsr-3469	251	8	dividend	dividend	NOUN
fsr-3469	251	9	producing	produce	VERB
fsr-3469	251	10	stocks	stock	NOUN
fsr-3469	251	11	and	and	CCONJ
fsr-3469	251	12	a	a	DET
fsr-3469	251	13	high	high	ADJ
fsr-3469	251	14	score	score	NOUN
fsr-3469	251	15	indicates	indicate	VERB
fsr-3469	251	16	an	an	DET
fsr-3469	251	17	indifference	indifference	NOUN
fsr-3469	251	18	for	for	ADP
fsr-3469	251	19	dividend	dividend	NOUN
fsr-3469	251	20	stocks	stock	NOUN
fsr-3469	251	21	.	.	PUNCT
fsr-3469	252	1	the	the	DET
fsr-3469	252	2	average	average	ADJ
fsr-3469	252	3	score	score	NOUN
fsr-3469	252	4	of	of	ADP
fsr-3469	252	5	4.1	4.1	NUM
fsr-3469	252	6	indicates	indicate	VERB
fsr-3469	252	7	that	that	SCONJ
fsr-3469	252	8	most	most	ADJ
fsr-3469	252	9	respondents	respondent	NOUN
fsr-3469	252	10	are	be	AUX
fsr-3469	252	11	somewhat	somewhat	ADV
fsr-3469	252	12	agnostic	agnostic	ADJ
fsr-3469	252	13	to	to	PART
fsr-3469	252	14	dividend	dividend	VERB
fsr-3469	252	15	producing	produce	VERB
fsr-3469	252	16	stocks	stock	NOUN
fsr-3469	252	17	for	for	ADP
fsr-3469	252	18	retirement	retirement	NOUN
fsr-3469	252	19	income	income	NOUN
fsr-3469	252	20	.	.	PUNCT
fsr-3469	253	1	3.10	3.10	NUM
fsr-3469	253	2	.	.	PUNCT
fsr-3469	254	1	non	non	ADJ
fsr-3469	254	2	-	-	ADJ
fsr-3469	254	3	forecasting	forecasting	ADJ
fsr-3469	254	4	versus	versus	ADP
fsr-3469	254	5	forecasting	forecast	VERB
fsr-3469	254	6	investment	investment	NOUN
fsr-3469	254	7	approach	approach	NOUN
fsr-3469	254	8	second	second	ADV
fsr-3469	254	9	,	,	PUNCT
fsr-3469	254	10	while	while	SCONJ
fsr-3469	254	11	there	there	PRON
fsr-3469	254	12	are	be	VERB
fsr-3469	254	13	many	many	ADJ
fsr-3469	254	14	investment	investment	NOUN
fsr-3469	254	15	approaches	approach	NOUN
fsr-3469	254	16	,	,	PUNCT
fsr-3469	254	17	we	we	PRON
fsr-3469	254	18	wanted	want	VERB
fsr-3469	254	19	to	to	PART
fsr-3469	254	20	single	single	VERB
fsr-3469	254	21	out	out	ADP
fsr-3469	254	22	the	the	DET
fsr-3469	254	23	degree	degree	NOUN
fsr-3469	254	24	to	to	PART
fsr-3469	254	25	which	which	PRON
fsr-3469	254	26	investors	investor	NOUN
fsr-3469	254	27	favor	favor	VERB
fsr-3469	254	28	a	a	DET
fsr-3469	254	29	forecasting	forecasting	NOUN
fsr-3469	254	30	or	or	CCONJ
fsr-3469	254	31	non	non	ADJ
fsr-3469	254	32	-	-	ADJ
fsr-3469	254	33	forecasting	forecasting	ADJ
fsr-3469	254	34	investment	investment	NOUN
fsr-3469	254	35	approach	approach	NOUN
fsr-3469	254	36	.	.	PUNCT
fsr-3469	255	1	a	a	DET
fsr-3469	255	2	forecasting	forecasting	NOUN
fsr-3469	255	3	approach	approach	NOUN
fsr-3469	255	4	usually	usually	ADV
fsr-3469	255	5	anticipates	anticipate	VERB
fsr-3469	255	6	either	either	CCONJ
fsr-3469	255	7	a	a	DET
fsr-3469	255	8	general	general	ADJ
fsr-3469	255	9	market	market	NOUN
fsr-3469	255	10	or	or	CCONJ
fsr-3469	255	11	individual	individual	ADJ
fsr-3469	255	12	stock	stock	NOUN
fsr-3469	255	13	movement	movement	NOUN
fsr-3469	255	14	or	or	CCONJ
fsr-3469	255	15	both	both	PRON
fsr-3469	255	16	.	.	PUNCT
fsr-3469	256	1	this	this	PRON
fsr-3469	256	2	is	be	AUX
fsr-3469	256	3	frequently	frequently	ADV
fsr-3469	256	4	referred	refer	VERB
fsr-3469	256	5	to	to	ADP
fsr-3469	256	6	as	as	ADP
fsr-3469	256	7	an	an	DET
fsr-3469	256	8	active	active	ADJ
fsr-3469	256	9	approach	approach	NOUN
fsr-3469	256	10	to	to	ADP
fsr-3469	256	11	investing	investing	NOUN
fsr-3469	256	12	.	.	PUNCT
fsr-3469	257	1	a	a	DET
fsr-3469	257	2	non	non	ADJ
fsr-3469	257	3	-	-	ADJ
fsr-3469	257	4	forecasting	forecasting	ADJ
fsr-3469	257	5	approach	approach	NOUN
fsr-3469	257	6	accepts	accept	VERB
fsr-3469	257	7	market	market	NOUN
fsr-3469	257	8	prices	price	NOUN
fsr-3469	257	9	as	as	ADP
fsr-3469	257	10	a	a	DET
fsr-3469	257	11	best	good	ADJ
fsr-3469	257	12	estimate	estimate	NOUN
fsr-3469	257	13	of	of	ADP
fsr-3469	257	14	price	price	NOUN
fsr-3469	257	15	.	.	PUNCT
fsr-3469	258	1	this	this	PRON
fsr-3469	258	2	is	be	AUX
fsr-3469	258	3	usually	usually	ADV
fsr-3469	258	4	identified	identify	VERB
fsr-3469	258	5	as	as	ADP
fsr-3469	258	6	a	a	DET
fsr-3469	258	7	passive	passive	ADJ
fsr-3469	258	8	investment	investment	NOUN
fsr-3469	258	9	approach	approach	NOUN
fsr-3469	258	10	.	.	PUNCT
fsr-3469	259	1	we	we	PRON
fsr-3469	259	2	created	create	VERB
fsr-3469	259	3	a	a	DET
fsr-3469	259	4	five	five	NUM
fsr-3469	259	5	-	-	PUNCT
fsr-3469	259	6	item	item	NOUN
fsr-3469	259	7	forecasting	forecasting	NOUN
fsr-3469	259	8	versus	versus	ADP
fsr-3469	259	9	non	non	ADJ
fsr-3469	259	10	-	-	ADJ
fsr-3469	259	11	forecasting	forecasting	ADJ
fsr-3469	259	12	scale	scale	NOUN
fsr-3469	259	13	(	(	PUNCT
fsr-3469	259	14	nf	nf	INTJ
fsr-3469	259	15	)	)	PUNCT
fsr-3469	259	16	to	to	PART
fsr-3469	259	17	capture	capture	VERB
fsr-3469	259	18	this	this	DET
fsr-3469	259	19	construct	construct	NOUN
fsr-3469	259	20	.	.	PUNCT
fsr-3469	260	1	in	in	ADP
fsr-3469	260	2	the	the	DET
fsr-3469	260	3	nf	nf	ADJ
fsr-3469	260	4	scale	scale	NOUN
fsr-3469	260	5	,	,	PUNCT
fsr-3469	260	6	forecasting	forecasting	NOUN
fsr-3469	260	7	is	be	AUX
fsr-3469	260	8	the	the	DET
fsr-3469	260	9	low	low	ADJ
fsr-3469	260	10	score	score	NOUN
fsr-3469	260	11	,	,	PUNCT
fsr-3469	260	12	and	and	CCONJ
fsr-3469	260	13	non	non	ADJ
fsr-3469	260	14	-	-	ADJ
fsr-3469	260	15	forecasting	forecasting	NOUN
fsr-3469	260	16	is	be	AUX
fsr-3469	260	17	the	the	DET
fsr-3469	260	18	high	high	ADJ
fsr-3469	260	19	score	score	NOUN
fsr-3469	260	20	.	.	PUNCT
fsr-3469	261	1	the	the	DET
fsr-3469	261	2	average	average	ADJ
fsr-3469	261	3	score	score	NOUN
fsr-3469	261	4	of	of	ADP
fsr-3469	261	5	4.67	4.67	NUM
fsr-3469	261	6	indicates	indicate	VERB
fsr-3469	261	7	that	that	SCONJ
fsr-3469	261	8	most	most	ADJ
fsr-3469	261	9	participants	participant	NOUN
fsr-3469	261	10	exhibit	exhibit	VERB
fsr-3469	261	11	a	a	DET
fsr-3469	261	12	non	non	ADJ
fsr-3469	261	13	-	-	ADJ
fsr-3469	261	14	forecasting	forecasting	ADJ
fsr-3469	261	15	approach	approach	NOUN
fsr-3469	261	16	within	within	ADP
fsr-3469	261	17	their	their	PRON
fsr-3469	261	18	investment	investment	NOUN
fsr-3469	261	19	strategy	strategy	NOUN
fsr-3469	261	20	.	.	PUNCT
fsr-3469	262	1	3.11	3.11	NUM
fsr-3469	262	2	.	.	PUNCT
fsr-3469	262	3	nest	nest	NOUN
fsr-3469	262	4	egg	egg	NOUN
fsr-3469	262	5	satisfaction	satisfaction	NOUN
fsr-3469	262	6	and	and	CCONJ
fsr-3469	262	7	retirement	retirement	NOUN
fsr-3469	262	8	income	income	NOUN
fsr-3469	262	9	plan	plan	NOUN
fsr-3469	262	10	anxiety	anxiety	NOUN
fsr-3469	262	11	to	to	PART
fsr-3469	262	12	measure	measure	VERB
fsr-3469	262	13	retirement	retirement	NOUN
fsr-3469	262	14	outlook	outlook	NOUN
fsr-3469	262	15	,	,	PUNCT
fsr-3469	262	16	our	our	PRON
fsr-3469	262	17	participants	participant	NOUN
fsr-3469	262	18	were	be	AUX
fsr-3469	262	19	presented	present	VERB
fsr-3469	262	20	with	with	ADP
fsr-3469	262	21	the	the	DET
fsr-3469	262	22	following	following	ADJ
fsr-3469	262	23	statements	statement	NOUN
fsr-3469	262	24	:	:	PUNCT
fsr-3469	262	25	“	"	PUNCT
fsr-3469	262	26	i	i	PRON
fsr-3469	262	27	’m	’m	VERB
fsr-3469	262	28	where	where	SCONJ
fsr-3469	262	29	i	i	PRON
fsr-3469	262	30	thought	think	VERB
fsr-3469	262	31	i	i	PRON
fsr-3469	262	32	would	would	AUX
fsr-3469	262	33	be	be	AUX
fsr-3469	262	34	with	with	ADP
fsr-3469	262	35	my	my	PRON
fsr-3469	262	36	retirement	retirement	NOUN
fsr-3469	262	37	nest	nest	NOUN
fsr-3469	262	38	egg	egg	NOUN
fsr-3469	262	39	”	"	PUNCT
fsr-3469	262	40	and	and	CCONJ
fsr-3469	262	41	“	"	PUNCT
fsr-3469	262	42	i	i	PRON
fsr-3469	262	43	feel	feel	VERB
fsr-3469	262	44	anxious	anxious	ADJ
fsr-3469	262	45	about	about	ADP
fsr-3469	262	46	my	my	PRON
fsr-3469	262	47	retirement	retirement	NOUN
fsr-3469	262	48	income	income	NOUN
fsr-3469	262	49	strategy	strategy	NOUN
fsr-3469	262	50	”	"	PUNCT
fsr-3469	262	51	they	they	PRON
fsr-3469	262	52	were	be	AUX
fsr-3469	262	53	asked	ask	VERB
fsr-3469	262	54	to	to	PART
fsr-3469	262	55	rate	rate	VERB
fsr-3469	262	56	their	their	PRON
fsr-3469	262	57	nest	nest	NOUN
fsr-3469	262	58	egg	egg	NOUN
fsr-3469	262	59	satisfaction	satisfaction	NOUN
fsr-3469	262	60	statement	statement	NOUN
fsr-3469	262	61	on	on	ADP
fsr-3469	262	62	a	a	DET
fsr-3469	262	63	five	five	NUM
fsr-3469	262	64	-	-	PUNCT
fsr-3469	262	65	point	point	NOUN
fsr-3469	262	66	likert	likert	ADJ
fsr-3469	262	67	scale	scale	NOUN
fsr-3469	262	68	and	and	CCONJ
fsr-3469	262	69	their	their	PRON
fsr-3469	262	70	retirement	retirement	NOUN
fsr-3469	262	71	income	income	NOUN
fsr-3469	262	72	anxiety	anxiety	NOUN
fsr-3469	262	73	question	question	NOUN
fsr-3469	262	74	on	on	ADP
fsr-3469	262	75	a	a	DET
fsr-3469	262	76	four	four	NUM
fsr-3469	262	77	-	-	PUNCT
fsr-3469	262	78	point	point	NOUN
fsr-3469	262	79	likert	likert	ADJ
fsr-3469	262	80	scale	scale	NOUN
fsr-3469	262	81	.	.	PUNCT
fsr-3469	263	1	responses	response	NOUN
fsr-3469	263	2	ranged	range	VERB
fsr-3469	263	3	from	from	ADP
fsr-3469	263	4	strongly	strongly	ADV
fsr-3469	263	5	disagree	disagree	VERB
fsr-3469	263	6	(	(	PUNCT
fsr-3469	263	7	low	low	ADJ
fsr-3469	263	8	score	score	NOUN
fsr-3469	263	9	)	)	PUNCT
fsr-3469	263	10	to	to	PART
fsr-3469	263	11	strongly	strongly	ADV
fsr-3469	263	12	agree	agree	VERB
fsr-3469	263	13	(	(	PUNCT
fsr-3469	263	14	high	high	ADJ
fsr-3469	263	15	score	score	NOUN
fsr-3469	263	16	)	)	PUNCT
fsr-3469	263	17	.	.	PUNCT
fsr-3469	264	1	participants	participant	NOUN
fsr-3469	264	2	average	average	ADJ
fsr-3469	264	3	score	score	NOUN
fsr-3469	264	4	of	of	ADP
fsr-3469	264	5	3.64	3.64	NUM
fsr-3469	264	6	for	for	ADP
fsr-3469	264	7	nest	nest	NOUN
fsr-3469	264	8	egg	egg	NOUN
fsr-3469	264	9	satisfaction	satisfaction	NOUN
fsr-3469	264	10	indicates	indicate	VERB
fsr-3469	264	11	a	a	DET
fsr-3469	264	12	somewhat	somewhat	ADV
fsr-3469	264	13	above	above	ADJ
fsr-3469	264	14	average	average	ADJ
fsr-3469	264	15	perception	perception	NOUN
fsr-3469	264	16	of	of	ADP
fsr-3469	264	17	their	their	PRON
fsr-3469	264	18	retirement	retirement	NOUN
fsr-3469	264	19	nest	nest	NOUN
fsr-3469	264	20	egg	egg	NOUN
fsr-3469	264	21	.	.	PUNCT
fsr-3469	265	1	furthermore	furthermore	ADV
fsr-3469	265	2	,	,	PUNCT
fsr-3469	265	3	an	an	DET
fsr-3469	265	4	average	average	ADJ
fsr-3469	265	5	score	score	NOUN
fsr-3469	265	6	of	of	ADP
fsr-3469	265	7	2.21	2.21	NUM
fsr-3469	265	8	for	for	ADP
fsr-3469	265	9	retirement	retirement	NOUN
fsr-3469	265	10	income	income	NOUN
fsr-3469	265	11	plan	plan	NOUN
fsr-3469	265	12	anxiety	anxiety	NOUN
fsr-3469	265	13	indicates	indicate	VERB
fsr-3469	265	14	a	a	DET
fsr-3469	265	15	below	below	ADP
fsr-3469	265	16	average	average	ADJ
fsr-3469	265	17	apprehension	apprehension	NOUN
fsr-3469	265	18	about	about	ADP
fsr-3469	265	19	their	their	PRON
fsr-3469	265	20	retirement	retirement	NOUN
fsr-3469	265	21	income	income	NOUN
fsr-3469	265	22	strategy	strategy	NOUN
fsr-3469	265	23	.	.	PUNCT
fsr-3469	266	1	4	4	X
fsr-3469	266	2	.	.	X
fsr-3469	266	3	results	result	NOUN
fsr-3469	266	4	results	result	NOUN
fsr-3469	266	5	in	in	ADP
fsr-3469	266	6	table	table	NOUN
fsr-3469	266	7	6	6	NUM
fsr-3469	266	8	display	display	NOUN
fsr-3469	266	9	bivariate	bivariate	ADJ
fsr-3469	266	10	correlations	correlation	NOUN
fsr-3469	266	11	between	between	ADP
fsr-3469	266	12	our	our	PRON
fsr-3469	266	13	newly	newly	ADV
fsr-3469	266	14	developed	develop	VERB
fsr-3469	266	15	scales	scale	NOUN
fsr-3469	266	16	,	,	PUNCT
fsr-3469	266	17	retirement	retirement	NOUN
fsr-3469	266	18	income	income	NOUN
fsr-3469	266	19	concerns	concern	NOUN
fsr-3469	266	20	,	,	PUNCT
fsr-3469	266	21	and	and	CCONJ
fsr-3469	266	22	investment	investment	NOUN
fsr-3469	266	23	behaviors	behavior	NOUN
fsr-3469	266	24	.	.	PUNCT
fsr-3469	267	1	correlations	correlation	NOUN
fsr-3469	267	2	between	between	ADP
fsr-3469	267	3	these	these	DET
fsr-3469	267	4	scales	scale	NOUN
fsr-3469	267	5	a.	a.	PROPN
fsr-3469	267	6	murgua	murgua	PROPN
fsr-3469	267	7	and	and	CCONJ
fsr-3469	267	8	w.	w.	PROPN
fsr-3469	267	9	pfau	pfau	PROPN
fsr-3469	267	10	/	/	SYM
fsr-3469	267	11	financial	financial	ADJ
fsr-3469	267	12	services	service	NOUN
fsr-3469	267	13	review	review	VERB
fsr-3469	267	14	30	30	NUM
fsr-3469	267	15	(	(	PUNCT
fsr-3469	267	16	2022	2022	NUM
fsr-3469	267	17	)	)	PUNCT
fsr-3469	267	18	1–29	1–29	PROPN
fsr-3469	267	19	13	13	NUM
fsr-3469	267	20	t	t	PROPN
fsr-3469	267	21	ab	ab	PROPN
fsr-3469	267	22	le	le	PROPN
fsr-3469	267	23	6	6	NUM
fsr-3469	267	24	c	c	NOUN
fsr-3469	267	25	o	o	PROPN
fsr-3469	267	26	rr	rr	PROPN
fsr-3469	267	27	el	el	PROPN
fsr-3469	267	28	at	at	ADP
fsr-3469	267	29	io	io	PROPN
fsr-3469	267	30	n	n	PROPN
fsr-3469	267	31	ta	ta	X
fsr-3469	267	32	b	b	X
fsr-3469	267	33	le	le	ADP
fsr-3469	267	34	r	r	NOUN
fsr-3469	267	35	et	et	NOUN
fsr-3469	267	36	ir	ir	VERB
fsr-3469	267	37	em	em	PRON
fsr-3469	267	38	en	en	PROPN
fsr-3469	267	39	t	t	PROPN
fsr-3469	267	40	in	in	ADP
fsr-3469	267	41	co	co	PROPN
fsr-3469	267	42	m	m	PROPN
fsr-3469	267	43	e	e	X
fsr-3469	267	44	se	se	X
fsr-3469	267	45	lf	lf	PROPN
fsr-3469	267	46	-e	-e	PROPN
fsr-3469	267	47	ffi	ffi	PROPN
fsr-3469	267	48	ca	can	AUX
fsr-3469	267	49	cy	cy	VERB
fsr-3469	267	50	f	f	PROPN
fsr-3469	267	51	in	in	ADP
fsr-3469	267	52	an	an	DET
fsr-3469	267	53	ci	ci	PROPN
fsr-3469	267	54	al	al	PROPN
fsr-3469	267	55	b	b	PROPN
fsr-3469	267	56	ia	ia	PROPN
fsr-3469	267	57	se	se	PROPN
fsr-3469	267	58	s	s	PART
fsr-3469	267	59	n	n	CCONJ
fsr-3469	267	60	u	u	NOUN
fsr-3469	267	61	m	m	NOUN
fsr-3469	267	62	er	er	INTJ
fsr-3469	267	63	ac	ac	INTJ
fsr-3469	267	64	y	y	PROPN
fsr-3469	267	65	n	n	CCONJ
fsr-3469	267	66	u	u	NOUN
fsr-3469	267	67	m	m	VERB
fsr-3469	267	68	er	er	INTJ
fsr-3469	267	69	ac	ac	PROPN
fsr-3469	267	70	y	y	PROPN
fsr-3469	267	71	se	se	PROPN
fsr-3469	267	72	lf	lf	ADP
fsr-3469	267	73	-a	-a	PROPN
fsr-3469	267	74	w	w	PROPN
fsr-3469	267	75	ar	ar	PROPN
fsr-3469	267	76	en	en	ADP
fsr-3469	267	77	es	es	X
fsr-3469	267	78	s	s	X
fsr-3469	267	79	a	a	DET
fsr-3469	267	80	d	d	PROPN
fsr-3469	267	81	v	v	NOUN
fsr-3469	267	82	is	be	AUX
fsr-3469	267	83	o	o	NOUN
fsr-3469	267	84	r	r	NOUN
fsr-3469	267	85	u	u	PROPN
fsr-3469	267	86	se	se	PROPN
fsr-3469	267	87	fu	fu	PROPN
fsr-3469	268	1	ln	ln	PROPN
fsr-3469	268	2	es	es	X
fsr-3469	269	1	s	s	NOUN
fsr-3469	269	2	in	in	ADP
fsr-3469	269	3	er	er	INTJ
fsr-3469	269	4	ti	ti	NOUN
fsr-3469	269	5	a	a	DET
fsr-3469	269	6	p	p	X
fsr-3469	269	7	o	o	X
fsr-3469	269	8	rt	rt	INTJ
fsr-3469	269	9	fo	fo	INTJ
fsr-3469	269	10	li	li	PROPN
fsr-3469	270	1	o	o	NOUN
fsr-3469	270	2	lo	lo	INTJ
fsr-3469	270	3	ss	ss	INTJ
fsr-3469	271	1	av	av	INTJ
fsr-3469	272	1	er	er	INTJ
fsr-3469	272	2	si	si	INTJ
fsr-3469	272	3	o	o	PROPN
fsr-3469	273	1	n	n	CCONJ
fsr-3469	273	2	r	r	NOUN
fsr-3469	273	3	et	et	NOUN
fsr-3469	273	4	ir	ir	VERB
fsr-3469	273	5	em	em	PRON
fsr-3469	273	6	en	en	PROPN
fsr-3469	273	7	t	t	PROPN
fsr-3469	273	8	in	in	ADP
fsr-3469	273	9	co	co	PROPN
fsr-3469	273	10	m	m	PROPN
fsr-3469	273	11	e	e	X
fsr-3469	273	12	se	se	X
fsr-3469	273	13	lf	lf	PROPN
fsr-3469	273	14	-e	-e	PROPN
fsr-3469	274	1	ff	ff	PROPN
fsr-3469	275	1	ic	ic	PROPN
fsr-3469	275	2	ac	ac	PROPN
fsr-3469	275	3	y	y	PROPN
fsr-3469	275	4	f	f	PROPN
fsr-3469	275	5	in	in	ADP
fsr-3469	275	6	an	an	DET
fsr-3469	275	7	ci	ci	PROPN
fsr-3469	275	8	al	al	PROPN
fsr-3469	275	9	b	b	PROPN
fsr-3469	275	10	ia	ia	PROPN
fsr-3469	275	11	se	se	PROPN
fsr-3469	275	12	s	s	PROPN
fsr-3469	275	13	�	�	PROPN
fsr-3469	275	14	0	0	NUM
fsr-3469	275	15	.2	.2	NUM
fsr-3469	275	16	5	5	NUM
fsr-3469	276	1	*	*	PUNCT
fsr-3469	276	2	*	*	PUNCT
fsr-3469	277	1	*	*	PUNCT
fsr-3469	277	2	*	*	PUNCT
fsr-3469	277	3	—	—	PUNCT
fsr-3469	277	4	n	n	CCONJ
fsr-3469	277	5	u	u	NOUN
fsr-3469	277	6	m	m	VERB
fsr-3469	277	7	er	er	INTJ
fsr-3469	277	8	ac	ac	ADV
fsr-3469	277	9	y	y	PROPN
fsr-3469	277	10	0	0	NUM
fsr-3469	277	11	.0	.0	NUM
fsr-3469	277	12	8	8	NUM
fsr-3469	277	13	*	*	PUNCT
fsr-3469	277	14	�	�	PROPN
fsr-3469	277	15	0	0	NUM
fsr-3469	278	1	.2	.2	NUM
fsr-3469	278	2	4	4	NUM
fsr-3469	278	3	*	*	PUNCT
fsr-3469	279	1	*	*	PUNCT
fsr-3469	280	1	*	*	PUNCT
fsr-3469	280	2	*	*	PUNCT
fsr-3469	280	3	—	—	PUNCT
fsr-3469	280	4	n	n	CCONJ
fsr-3469	280	5	u	u	NOUN
fsr-3469	280	6	m	m	VERB
fsr-3469	280	7	er	er	INTJ
fsr-3469	280	8	ac	ac	PROPN
fsr-3469	280	9	y	y	PROPN
fsr-3469	280	10	se	se	PROPN
fsr-3469	280	11	lf	lf	ADP
fsr-3469	280	12	-a	-a	PROPN
fsr-3469	280	13	w	w	PROPN
fsr-3469	280	14	ar	ar	PROPN
fsr-3469	280	15	en	en	ADP
fsr-3469	280	16	es	es	X
fsr-3469	280	17	s	s	PROPN
fsr-3469	280	18	0	0	NUM
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fsr-3469	280	20	2	2	NUM
fsr-3469	280	21	0	0	NUM
fsr-3469	280	22	.1	.1	NUM
fsr-3469	280	23	3	3	NUM
fsr-3469	280	24	*	*	PUNCT
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fsr-3469	282	4	—	—	PUNCT
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fsr-3469	282	8	is	be	AUX
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fsr-3469	282	18	0	0	NUM
fsr-3469	282	19	.4	.4	NUM
fsr-3469	282	20	3	3	NUM
fsr-3469	282	21	*	*	PUNCT
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fsr-3469	283	4	.1	.1	NUM
fsr-3469	283	5	9	9	NUM
fsr-3469	283	6	*	*	PUNCT
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fsr-3469	284	15	—	—	PUNCT
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fsr-3469	284	19	a	a	DET
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fsr-3469	284	21	0	0	NUM
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fsr-3469	286	5	1	1	NUM
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fsr-3469	287	5	�	�	PROPN
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fsr-3469	287	8	6	6	NUM
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fsr-3469	287	11	0	0	PUNCT
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fsr-3469	289	2	—	—	PUNCT
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fsr-3469	292	11	0	0	PUNCT
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fsr-3469	295	3	0	0	NUM
fsr-3469	295	4	.0	.0	NUM
fsr-3469	295	5	1	1	NUM
fsr-3469	295	6	�	�	PROPN
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fsr-3469	295	9	9	9	NUM
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fsr-3469	308	4	5	5	NUM
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fsr-3469	337	29	validity	validity	NOUN
fsr-3469	337	30	as	as	SCONJ
fsr-3469	337	31	evidenced	evidence	VERB
fsr-3469	337	32	by	by	ADP
fsr-3469	337	33	the	the	DET
fsr-3469	337	34	convergent	convergent	NOUN
fsr-3469	337	35	and	and	CCONJ
fsr-3469	337	36	discriminant	discriminant	ADJ
fsr-3469	337	37	relationships	relationship	NOUN
fsr-3469	337	38	in	in	ADP
fsr-3469	337	39	expected	expect	VERB
fsr-3469	337	40	directions	direction	NOUN
fsr-3469	337	41	.	.	PUNCT
fsr-3469	338	1	4.1	4.1	NUM
fsr-3469	338	2	.	.	PUNCT
fsr-3469	338	3	psychological	psychological	ADJ
fsr-3469	338	4	and	and	CCONJ
fsr-3469	338	5	behavioral	behavioral	ADJ
fsr-3469	338	6	finance	finance	NOUN
fsr-3469	338	7	and	and	CCONJ
fsr-3469	338	8	scales	scale	VERB
fsr-3469	338	9	high	high	ADJ
fsr-3469	338	10	levels	level	NOUN
fsr-3469	338	11	for	for	ADP
fsr-3469	338	12	the	the	DET
fsr-3469	338	13	retirement	retirement	NOUN
fsr-3469	338	14	income	income	NOUN
fsr-3469	338	15	self	self	NOUN
fsr-3469	338	16	-	-	PUNCT
fsr-3469	338	17	efficacy	efficacy	NOUN
fsr-3469	338	18	scale	scale	NOUN
fsr-3469	338	19	are	be	AUX
fsr-3469	338	20	negatively	negatively	ADV
fsr-3469	338	21	related	relate	VERB
fsr-3469	338	22	to	to	ADP
fsr-3469	338	23	financial	financial	ADJ
fsr-3469	338	24	biases	bias	NOUN
fsr-3469	338	25	(	(	PUNCT
fsr-3469	338	26	r	r	NOUN
fsr-3469	338	27	=	=	SYM
fsr-3469	338	28	�	�	NOUN
fsr-3469	338	29	0.25	0.25	NUM
fsr-3469	338	30	,	,	PUNCT
fsr-3469	338	31	p	p	X
fsr-3469	338	32	<	<	X
fsr-3469	338	33	.0001	.0001	NOUN
fsr-3469	338	34	)	)	PUNCT
fsr-3469	338	35	,	,	PUNCT
fsr-3469	338	36	inertia	inertia	NOUN
fsr-3469	338	37	(	(	PUNCT
fsr-3469	338	38	r	r	NOUN
fsr-3469	338	39	=	=	SYM
fsr-3469	338	40	�	�	PROPN
fsr-3469	338	41	0.12	0.12	NUM
fsr-3469	338	42	,	,	PUNCT
fsr-3469	338	43	p	p	X
fsr-3469	338	44	<	<	X
fsr-3469	338	45	.0001	.0001	NOUN
fsr-3469	338	46	)	)	PUNCT
fsr-3469	338	47	,	,	PUNCT
fsr-3469	338	48	and	and	CCONJ
fsr-3469	338	49	perceived	perceive	VERB
fsr-3469	338	50	advisor	advisor	NOUN
fsr-3469	338	51	usefulness	usefulness	NOUN
fsr-3469	338	52	(	(	PUNCT
fsr-3469	338	53	r	r	NOUN
fsr-3469	338	54	=	=	SYM
fsr-3469	338	55	�	�	NOUN
fsr-3469	338	56	0.43	0.43	NUM
fsr-3469	338	57	,	,	PUNCT
fsr-3469	338	58	p	p	X
fsr-3469	338	59	<	<	X
fsr-3469	338	60	.0001	.0001	PROPN
fsr-3469	338	61	)	)	PUNCT
fsr-3469	338	62	scores	score	NOUN
fsr-3469	338	63	.	.	PUNCT
fsr-3469	339	1	self	self	NOUN
fsr-3469	339	2	-	-	PUNCT
fsr-3469	339	3	efficacy	efficacy	NOUN
fsr-3469	339	4	is	be	AUX
fsr-3469	339	5	positively	positively	ADV
fsr-3469	339	6	related	relate	VERB
fsr-3469	339	7	to	to	ADP
fsr-3469	339	8	numeracy	numeracy	NOUN
fsr-3469	339	9	(	(	PUNCT
fsr-3469	339	10	r	r	NOUN
fsr-3469	339	11	=	=	SYM
fsr-3469	339	12	0.08	0.08	NUM
fsr-3469	339	13	,	,	PUNCT
fsr-3469	339	14	p	p	X
fsr-3469	339	15	<	<	X
fsr-3469	339	16	.02	.02	NUM
fsr-3469	339	17	)	)	PUNCT
fsr-3469	339	18	and	and	CCONJ
fsr-3469	339	19	loss	loss	NOUN
fsr-3469	339	20	aversion	aversion	NOUN
fsr-3469	339	21	tolerance	tolerance	NOUN
fsr-3469	339	22	(	(	PUNCT
fsr-3469	339	23	r	r	NOUN
fsr-3469	339	24	=	=	SYM
fsr-3469	339	25	0.10	0.10	NUM
fsr-3469	339	26	,	,	PUNCT
fsr-3469	339	27	p	p	X
fsr-3469	339	28	<	<	X
fsr-3469	339	29	.0001	.0001	NOUN
fsr-3469	339	30	)	)	PUNCT
fsr-3469	339	31	.	.	PUNCT
fsr-3469	340	1	financial	financial	ADJ
fsr-3469	340	2	biases	bias	NOUN
fsr-3469	340	3	are	be	AUX
fsr-3469	340	4	negatively	negatively	ADV
fsr-3469	340	5	related	relate	VERB
fsr-3469	340	6	to	to	ADP
fsr-3469	340	7	numeracy	numeracy	NOUN
fsr-3469	340	8	(	(	PUNCT
fsr-3469	340	9	r	r	NOUN
fsr-3469	340	10	=	=	SYM
fsr-3469	340	11	�	�	PROPN
fsr-3469	340	12	0.24	0.24	NUM
fsr-3469	340	13	,	,	PUNCT
fsr-3469	340	14	p	p	X
fsr-3469	340	15	<	<	X
fsr-3469	340	16	.0001	.0001	NOUN
fsr-3469	340	17	)	)	PUNCT
fsr-3469	340	18	and	and	CCONJ
fsr-3469	340	19	loss	loss	NOUN
fsr-3469	340	20	aversion	aversion	NOUN
fsr-3469	340	21	tolerance	tolerance	NOUN
fsr-3469	340	22	(	(	PUNCT
fsr-3469	340	23	r	r	NOUN
fsr-3469	340	24	=	=	SYM
fsr-3469	340	25	�	�	PROPN
fsr-3469	340	26	0.10	0.10	NUM
fsr-3469	340	27	,	,	PUNCT
fsr-3469	340	28	p	p	X
fsr-3469	340	29	<	<	X
fsr-3469	340	30	.0001	.0001	NOUN
fsr-3469	340	31	)	)	PUNCT
fsr-3469	340	32	and	and	CCONJ
fsr-3469	340	33	positively	positively	ADV
fsr-3469	340	34	relate	relate	VERB
fsr-3469	340	35	to	to	ADP
fsr-3469	340	36	a	a	DET
fsr-3469	340	37	lack	lack	NOUN
fsr-3469	340	38	of	of	ADP
fsr-3469	340	39	numeracy	numeracy	NOUN
fsr-3469	340	40	awareness	awareness	NOUN
fsr-3469	340	41	(	(	PUNCT
fsr-3469	340	42	r	r	NOUN
fsr-3469	340	43	=	=	SYM
fsr-3469	340	44	0.13	0.13	NUM
fsr-3469	340	45	,	,	PUNCT
fsr-3469	340	46	p	p	X
fsr-3469	340	47	<	<	X
fsr-3469	340	48	.0001	.0001	NOUN
fsr-3469	340	49	)	)	PUNCT
fsr-3469	340	50	,	,	PUNCT
fsr-3469	340	51	inertia	inertia	NOUN
fsr-3469	340	52	(	(	PUNCT
fsr-3469	340	53	r	r	NOUN
fsr-3469	340	54	=	=	SYM
fsr-3469	340	55	0.11	0.11	NUM
fsr-3469	340	56	,	,	PUNCT
fsr-3469	340	57	p	p	X
fsr-3469	340	58	<	<	X
fsr-3469	340	59	.0001	.0001	NOUN
fsr-3469	340	60	)	)	PUNCT
fsr-3469	340	61	,	,	PUNCT
fsr-3469	340	62	and	and	CCONJ
fsr-3469	340	63	perceived	perceive	VERB
fsr-3469	340	64	usefulness	usefulness	NOUN
fsr-3469	340	65	of	of	ADP
fsr-3469	340	66	an	an	DET
fsr-3469	340	67	advisor	advisor	NOUN
fsr-3469	340	68	(	(	PUNCT
fsr-3469	340	69	r	r	NOUN
fsr-3469	340	70	=	=	SYM
fsr-3469	340	71	0.12	0.12	NUM
fsr-3469	340	72	,	,	PUNCT
fsr-3469	340	73	p	p	X
fsr-3469	340	74	<	<	X
fsr-3469	340	75	.0001	.0001	NOUN
fsr-3469	340	76	)	)	PUNCT
fsr-3469	340	77	.	.	PUNCT
fsr-3469	341	1	high	high	ADJ
fsr-3469	341	2	numeracy	numeracy	NOUN
fsr-3469	341	3	is	be	AUX
fsr-3469	341	4	related	relate	VERB
fsr-3469	341	5	to	to	ADP
fsr-3469	341	6	a	a	DET
fsr-3469	341	7	lower	lower	ADV
fsr-3469	341	8	perceived	perceive	VERB
fsr-3469	341	9	advisor	advisor	NOUN
fsr-3469	341	10	usefulness	usefulness	NOUN
fsr-3469	341	11	(	(	PUNCT
fsr-3469	341	12	r	r	NOUN
fsr-3469	341	13	=	=	SYM
fsr-3469	341	14	�	�	PROPN
fsr-3469	341	15	0.12	0.12	NUM
fsr-3469	341	16	,	,	PUNCT
fsr-3469	341	17	p	p	X
fsr-3469	341	18	<	<	X
fsr-3469	341	19	.0001	.0001	NOUN
fsr-3469	341	20	)	)	PUNCT
fsr-3469	341	21	but	but	CCONJ
fsr-3469	341	22	a	a	DET
fsr-3469	341	23	higher	high	ADJ
fsr-3469	341	24	loss	loss	NOUN
fsr-3469	341	25	aversion	aversion	NOUN
fsr-3469	341	26	tolerance	tolerance	NOUN
fsr-3469	341	27	(	(	PUNCT
fsr-3469	341	28	r	r	NOUN
fsr-3469	341	29	=	=	SYM
fsr-3469	341	30	0.11	0.11	NUM
fsr-3469	341	31	,	,	PUNCT
fsr-3469	341	32	p	p	X
fsr-3469	341	33	<	<	X
fsr-3469	341	34	.0001	.0001	NOUN
fsr-3469	341	35	)	)	PUNCT
fsr-3469	341	36	.	.	PUNCT
fsr-3469	342	1	there	there	PRON
fsr-3469	342	2	is	be	VERB
fsr-3469	342	3	no	no	DET
fsr-3469	342	4	observable	observable	ADJ
fsr-3469	342	5	relationship	relationship	NOUN
fsr-3469	342	6	between	between	ADP
fsr-3469	342	7	numeracy	numeracy	NOUN
fsr-3469	342	8	and	and	CCONJ
fsr-3469	342	9	inertia	inertia	NOUN
fsr-3469	342	10	.	.	PUNCT
fsr-3469	343	1	however	however	ADV
fsr-3469	343	2	,	,	PUNCT
fsr-3469	343	3	higher	high	ADJ
fsr-3469	343	4	inertia	inertia	NOUN
fsr-3469	343	5	levels	level	NOUN
fsr-3469	343	6	are	be	AUX
fsr-3469	343	7	positively	positively	ADV
fsr-3469	343	8	related	relate	VERB
fsr-3469	343	9	to	to	ADP
fsr-3469	343	10	advisor	advisor	NOUN
fsr-3469	343	11	usefulness	usefulness	NOUN
fsr-3469	343	12	(	(	PUNCT
fsr-3469	343	13	r	r	NOUN
fsr-3469	343	14	=	=	SYM
fsr-3469	343	15	0.10	0.10	NUM
fsr-3469	343	16	,	,	PUNCT
fsr-3469	343	17	p	p	X
fsr-3469	343	18	<	<	X
fsr-3469	343	19	.0001	.0001	NOUN
fsr-3469	343	20	)	)	PUNCT
fsr-3469	343	21	and	and	CCONJ
fsr-3469	343	22	greater	great	ADJ
fsr-3469	343	23	levels	level	NOUN
fsr-3469	343	24	of	of	ADP
fsr-3469	343	25	loss	loss	NOUN
fsr-3469	343	26	aversion	aversion	NOUN
fsr-3469	343	27	(	(	PUNCT
fsr-3469	343	28	r	r	NOUN
fsr-3469	343	29	=	=	SYM
fsr-3469	343	30	�	�	NOUN
fsr-3469	343	31	0.08	0.08	NUM
fsr-3469	343	32	,	,	PUNCT
fsr-3469	343	33	p	p	X
fsr-3469	343	34	<	<	X
fsr-3469	343	35	.05	.05	NUM
fsr-3469	343	36	)	)	PUNCT
fsr-3469	343	37	.	.	PUNCT
fsr-3469	344	1	all	all	DET
fsr-3469	344	2	variables	variable	NOUN
fsr-3469	344	3	with	with	ADP
fsr-3469	344	4	significant	significant	ADJ
fsr-3469	344	5	associations	association	NOUN
fsr-3469	344	6	are	be	AUX
fsr-3469	344	7	in	in	ADP
fsr-3469	344	8	the	the	DET
fsr-3469	344	9	expected	expect	VERB
fsr-3469	344	10	direction	direction	NOUN
fsr-3469	344	11	.	.	PUNCT
fsr-3469	345	1	self	self	NOUN
fsr-3469	345	2	-	-	PUNCT
fsr-3469	345	3	reported	report	VERB
fsr-3469	345	4	scales	scale	NOUN
fsr-3469	345	5	,	,	PUNCT
fsr-3469	345	6	especially	especially	ADV
fsr-3469	345	7	those	those	PRON
fsr-3469	345	8	that	that	PRON
fsr-3469	345	9	potentially	potentially	ADV
fsr-3469	345	10	paint	paint	VERB
fsr-3469	345	11	an	an	DET
fsr-3469	345	12	unfavorable	unfavorable	ADJ
fsr-3469	345	13	impression	impression	NOUN
fsr-3469	345	14	of	of	ADP
fsr-3469	345	15	a	a	DET
fsr-3469	345	16	respondent	respondent	NOUN
fsr-3469	345	17	,	,	PUNCT
fsr-3469	345	18	carry	carry	VERB
fsr-3469	345	19	the	the	DET
fsr-3469	345	20	risk	risk	NOUN
fsr-3469	345	21	of	of	ADP
fsr-3469	345	22	a	a	DET
fsr-3469	345	23	social	social	ADJ
fsr-3469	345	24	desirability	desirability	NOUN
fsr-3469	345	25	bias	bias	NOUN
fsr-3469	345	26	in	in	ADP
fsr-3469	345	27	their	their	PRON
fsr-3469	345	28	responses	response	NOUN
fsr-3469	345	29	.	.	PUNCT
fsr-3469	346	1	it	it	PRON
fsr-3469	346	2	is	be	AUX
fsr-3469	346	3	interesting	interesting	ADJ
fsr-3469	346	4	to	to	PART
fsr-3469	346	5	note	note	VERB
fsr-3469	346	6	that	that	SCONJ
fsr-3469	346	7	our	our	PRON
fsr-3469	346	8	self	self	NOUN
fsr-3469	346	9	-	-	PUNCT
fsr-3469	346	10	reported	report	VERB
fsr-3469	346	11	financial	financial	ADJ
fsr-3469	346	12	bias	bias	NOUN
fsr-3469	346	13	score	score	NOUN
fsr-3469	346	14	is	be	AUX
fsr-3469	346	15	also	also	ADV
fsr-3469	346	16	associated	associate	VERB
fsr-3469	346	17	in	in	ADP
fsr-3469	346	18	the	the	DET
fsr-3469	346	19	expected	expect	VERB
fsr-3469	346	20	direction	direction	NOUN
fsr-3469	346	21	with	with	ADP
fsr-3469	346	22	more	more	ADJ
fsr-3469	346	23	objective	objective	ADJ
fsr-3469	346	24	measures	measure	NOUN
fsr-3469	346	25	of	of	ADP
fsr-3469	346	26	numeracy	numeracy	NOUN
fsr-3469	346	27	,	,	PUNCT
fsr-3469	346	28	lack	lack	NOUN
fsr-3469	346	29	of	of	ADP
fsr-3469	346	30	numeracy	numeracy	NOUN
fsr-3469	346	31	awareness	awareness	NOUN
fsr-3469	346	32	,	,	PUNCT
fsr-3469	346	33	and	and	CCONJ
fsr-3469	346	34	inertia	inertia	NOUN
fsr-3469	346	35	.	.	PUNCT
fsr-3469	347	1	in	in	ADP
fsr-3469	347	2	addition	addition	NOUN
fsr-3469	347	3	,	,	PUNCT
fsr-3469	347	4	socially	socially	ADV
fsr-3469	347	5	desirable	desirable	ADJ
fsr-3469	347	6	traits	trait	NOUN
fsr-3469	347	7	like	like	ADP
fsr-3469	347	8	self	self	NOUN
fsr-3469	347	9	-	-	PUNCT
fsr-3469	347	10	efficacy	efficacy	NOUN
fsr-3469	347	11	are	be	AUX
fsr-3469	347	12	also	also	ADV
fsr-3469	347	13	associated	associate	VERB
fsr-3469	347	14	with	with	ADP
fsr-3469	347	15	numeracy	numeracy	NOUN
fsr-3469	347	16	in	in	ADP
fsr-3469	347	17	the	the	DET
fsr-3469	347	18	expected	expect	VERB
fsr-3469	347	19	direction	direction	NOUN
fsr-3469	347	20	.	.	PUNCT
fsr-3469	348	1	with	with	ADP
fsr-3469	348	2	regards	regard	NOUN
fsr-3469	348	3	to	to	ADP
fsr-3469	348	4	the	the	DET
fsr-3469	348	5	numeracy	numeracy	NOUN
fsr-3469	348	6	and	and	CCONJ
fsr-3469	348	7	numeracy	numeracy	NOUN
fsr-3469	348	8	awareness	awareness	NOUN
fsr-3469	348	9	,	,	PUNCT
fsr-3469	348	10	our	our	PRON
fsr-3469	348	11	results	result	NOUN
fsr-3469	348	12	support	support	VERB
fsr-3469	348	13	a	a	DET
fsr-3469	348	14	dunningkruger	dunningkruger	ADJ
fsr-3469	348	15	effect	effect	NOUN
fsr-3469	348	16	(	(	PUNCT
fsr-3469	348	17	kruger	kruger	PROPN
fsr-3469	348	18	&	&	CCONJ
fsr-3469	348	19	dunning	dunning	NOUN
fsr-3469	348	20	,	,	PUNCT
fsr-3469	348	21	1999	1999	NUM
fsr-3469	348	22	)	)	PUNCT
fsr-3469	348	23	.	.	PUNCT
fsr-3469	349	1	there	there	PRON
fsr-3469	349	2	is	be	VERB
fsr-3469	349	3	a	a	DET
fsr-3469	349	4	negative	negative	ADJ
fsr-3469	349	5	relationship	relationship	NOUN
fsr-3469	349	6	between	between	ADP
fsr-3469	349	7	one	one	NUM
fsr-3469	349	8	’s	’s	PART
fsr-3469	349	9	level	level	NOUN
fsr-3469	349	10	of	of	ADP
fsr-3469	349	11	numeracy	numeracy	NOUN
fsr-3469	349	12	and	and	CCONJ
fsr-3469	349	13	perceived	perceive	VERB
fsr-3469	349	14	numeracy	numeracy	NOUN
fsr-3469	349	15	(	(	PUNCT
fsr-3469	349	16	r	r	NOUN
fsr-3469	349	17	=	=	SYM
fsr-3469	349	18	�	�	PROPN
fsr-3469	349	19	0.47	0.47	NUM
fsr-3469	349	20	,	,	PUNCT
fsr-3469	349	21	p	p	X
fsr-3469	349	22	<	<	X
fsr-3469	349	23	.0001	.0001	NOUN
fsr-3469	349	24	)	)	PUNCT
fsr-3469	349	25	.	.	PUNCT
fsr-3469	350	1	the	the	DET
fsr-3469	350	2	worst	bad	ADJ
fsr-3469	350	3	one	one	NUM
fsr-3469	350	4	performs	perform	VERB
fsr-3469	350	5	on	on	ADP
fsr-3469	350	6	numeracy	numeracy	NOUN
fsr-3469	350	7	,	,	PUNCT
fsr-3469	350	8	the	the	DET
fsr-3469	350	9	better	well	ADJ
fsr-3469	350	10	one	one	NOUN
fsr-3469	350	11	thought	think	VERB
fsr-3469	350	12	they	they	PRON
fsr-3469	350	13	performed	perform	VERB
fsr-3469	350	14	.	.	PUNCT
fsr-3469	351	1	furthermore	furthermore	ADV
fsr-3469	351	2	,	,	PUNCT
fsr-3469	351	3	fig	fig	NOUN
fsr-3469	351	4	.	.	PUNCT
fsr-3469	352	1	1	1	NUM
fsr-3469	352	2	separates	separate	VERB
fsr-3469	352	3	numeracy	numeracy	NOUN
fsr-3469	352	4	scores	score	NOUN
fsr-3469	352	5	and	and	CCONJ
fsr-3469	352	6	perceived	perceive	VERB
fsr-3469	352	7	numeracy	numeracy	NOUN
fsr-3469	352	8	scores	score	NOUN
fsr-3469	352	9	by	by	ADP
fsr-3469	352	10	quartiles	quartile	NOUN
fsr-3469	352	11	.	.	PUNCT
fsr-3469	353	1	participants	participant	NOUN
fsr-3469	353	2	in	in	ADP
fsr-3469	353	3	the	the	DET
fsr-3469	353	4	first	first	ADJ
fsr-3469	353	5	quartile	quartile	NOUN
fsr-3469	353	6	(	(	PUNCT
fsr-3469	353	7	worst	bad	ADJ
fsr-3469	353	8	25	25	NUM
fsr-3469	353	9	%	%	NOUN
fsr-3469	353	10	)	)	PUNCT
fsr-3469	353	11	overestimate	overestimate	VERB
fsr-3469	353	12	their	their	PRON
fsr-3469	353	13	score	score	NOUN
fsr-3469	353	14	by	by	ADP
fsr-3469	353	15	88	88	NUM
fsr-3469	353	16	%	%	NOUN
fsr-3469	353	17	while	while	SCONJ
fsr-3469	353	18	participants	participant	NOUN
fsr-3469	353	19	the	the	DET
fsr-3469	353	20	fourth	fourth	ADJ
fsr-3469	353	21	quartile	quartile	NOUN
fsr-3469	353	22	underestimate	underestimate	VERB
fsr-3469	353	23	their	their	PRON
fsr-3469	353	24	score	score	NOUN
fsr-3469	353	25	by	by	ADP
fsr-3469	353	26	7	7	NUM
fsr-3469	353	27	%	%	NOUN
fsr-3469	353	28	.	.	PUNCT
fsr-3469	354	1	the	the	PRON
fsr-3469	354	2	lower	low	ADJ
fsr-3469	354	3	the	the	DET
fsr-3469	354	4	quartile	quartile	NOUN
fsr-3469	354	5	positioning	positioning	NOUN
fsr-3469	354	6	,	,	PUNCT
fsr-3469	354	7	the	the	PRON
fsr-3469	354	8	greater	great	ADJ
fsr-3469	354	9	the	the	DET
fsr-3469	354	10	overestimation	overestimation	NOUN
fsr-3469	354	11	.	.	PUNCT
fsr-3469	355	1	in	in	ADP
fsr-3469	355	2	contrast	contrast	NOUN
fsr-3469	355	3	,	,	PUNCT
fsr-3469	355	4	the	the	DET
fsr-3469	355	5	higher	high	ADJ
fsr-3469	355	6	scoring	scoring	NOUN
fsr-3469	355	7	quartile	quartile	NOUN
fsr-3469	355	8	for	for	ADP
fsr-3469	355	9	numeracy	numeracy	NOUN
fsr-3469	355	10	slightly	slightly	ADV
fsr-3469	355	11	underestimate	underestimate	VERB
fsr-3469	355	12	their	their	PRON
fsr-3469	355	13	skill	skill	NOUN
fsr-3469	355	14	.	.	PUNCT
fsr-3469	356	1	this	this	DET
fsr-3469	356	2	underestimation	underestimation	NOUN
fsr-3469	356	3	among	among	ADP
fsr-3469	356	4	top	top	ADJ
fsr-3469	356	5	quartile	quartile	NOUN
fsr-3469	356	6	performers	performer	NOUN
fsr-3469	356	7	is	be	AUX
fsr-3469	356	8	also	also	ADV
fsr-3469	356	9	observed	observe	VERB
fsr-3469	356	10	in	in	ADP
fsr-3469	356	11	the	the	DET
fsr-3469	356	12	original	original	ADJ
fsr-3469	356	13	investigation	investigation	NOUN
fsr-3469	356	14	of	of	ADP
fsr-3469	356	15	the	the	DET
fsr-3469	356	16	dunning	dun	VERB
fsr-3469	356	17	-	-	PUNCT
fsr-3469	356	18	kruger	kruger	PROPN
fsr-3469	356	19	effect	effect	NOUN
fsr-3469	356	20	(	(	PUNCT
fsr-3469	356	21	kruger	kruger	PROPN
fsr-3469	356	22	&	&	CCONJ
fsr-3469	356	23	dunning	dunning	NOUN
fsr-3469	356	24	,	,	PUNCT
fsr-3469	356	25	1999	1999	NUM
fsr-3469	356	26	)	)	PUNCT
fsr-3469	356	27	.	.	PUNCT
fsr-3469	357	1	4.2	4.2	NUM
fsr-3469	357	2	.	.	PUNCT
fsr-3469	358	1	retirement	retirement	NOUN
fsr-3469	358	2	income	income	NOUN
fsr-3469	358	3	concerns	concern	NOUN
fsr-3469	358	4	longevity	longevity	NOUN
fsr-3469	358	5	concerns	concern	NOUN
fsr-3469	358	6	are	be	AUX
fsr-3469	358	7	associated	associate	VERB
fsr-3469	358	8	with	with	ADP
fsr-3469	358	9	higher	high	ADJ
fsr-3469	358	10	levels	level	NOUN
fsr-3469	358	11	of	of	ADP
fsr-3469	358	12	financial	financial	ADJ
fsr-3469	358	13	biases	bias	NOUN
fsr-3469	358	14	(	(	PUNCT
fsr-3469	358	15	r	r	NOUN
fsr-3469	358	16	=	=	SYM
fsr-3469	358	17	0.18	0.18	NUM
fsr-3469	358	18	,	,	PUNCT
fsr-3469	358	19	p	p	X
fsr-3469	358	20	<	<	X
fsr-3469	358	21	.0001	.0001	NOUN
fsr-3469	358	22	)	)	PUNCT
fsr-3469	358	23	,	,	PUNCT
fsr-3469	358	24	inertia	inertia	NOUN
fsr-3469	358	25	(	(	PUNCT
fsr-3469	358	26	r	r	NOUN
fsr-3469	358	27	=	=	SYM
fsr-3469	358	28	0.10	0.10	NUM
fsr-3469	358	29	,	,	PUNCT
fsr-3469	358	30	p	p	X
fsr-3469	358	31	<	<	X
fsr-3469	358	32	.01	.01	NUM
fsr-3469	358	33	)	)	PUNCT
fsr-3469	358	34	,	,	PUNCT
fsr-3469	358	35	the	the	DET
fsr-3469	358	36	perceived	perceive	VERB
fsr-3469	358	37	usefulness	usefulness	NOUN
fsr-3469	358	38	of	of	ADP
fsr-3469	358	39	an	an	DET
fsr-3469	358	40	advisor	advisor	NOUN
fsr-3469	358	41	(	(	PUNCT
fsr-3469	358	42	r	r	NOUN
fsr-3469	358	43	=	=	SYM
fsr-3469	358	44	0.21	0.21	NUM
fsr-3469	358	45	,	,	PUNCT
fsr-3469	358	46	p	p	X
fsr-3469	358	47	<	<	X
fsr-3469	358	48	.0001	.0001	NOUN
fsr-3469	358	49	)	)	PUNCT
fsr-3469	358	50	,	,	PUNCT
fsr-3469	358	51	and	and	CCONJ
fsr-3469	358	52	significantly	significantly	ADV
fsr-3469	358	53	lower	low	ADJ
fsr-3469	358	54	levels	level	NOUN
fsr-3469	358	55	of	of	ADP
fsr-3469	358	56	self	self	NOUN
fsr-3469	358	57	-	-	PUNCT
fsr-3469	358	58	efficacy	efficacy	NOUN
fsr-3469	358	59	(	(	PUNCT
fsr-3469	358	60	r	r	NOUN
fsr-3469	358	61	=	=	SYM
fsr-3469	358	62	�	�	NOUN
fsr-3469	358	63	0.44	0.44	NUM
fsr-3469	358	64	,	,	PUNCT
fsr-3469	358	65	p	p	X
fsr-3469	358	66	<	<	X
fsr-3469	358	67	.0001	.0001	NOUN
fsr-3469	358	68	)	)	PUNCT
fsr-3469	358	69	.	.	PUNCT
fsr-3469	359	1	while	while	SCONJ
fsr-3469	359	2	not	not	PART
fsr-3469	359	3	as	as	ADV
fsr-3469	359	4	strong	strong	ADJ
fsr-3469	359	5	,	,	PUNCT
fsr-3469	359	6	liquidity	liquidity	NOUN
fsr-3469	359	7	concerns	concern	NOUN
fsr-3469	359	8	also	also	ADV
fsr-3469	359	9	reflect	reflect	VERB
fsr-3469	359	10	similar	similar	ADJ
fsr-3469	359	11	directional	directional	ADJ
fsr-3469	359	12	relationships	relationship	NOUN
fsr-3469	359	13	to	to	ADP
fsr-3469	359	14	financial	financial	ADJ
fsr-3469	359	15	biases	bias	NOUN
fsr-3469	359	16	(	(	PUNCT
fsr-3469	359	17	r	r	NOUN
fsr-3469	359	18	=	=	SYM
fsr-3469	359	19	0.10	0.10	NUM
fsr-3469	359	20	,	,	PUNCT
fsr-3469	359	21	p	p	X
fsr-3469	359	22	<	<	X
fsr-3469	359	23	.01	.01	NUM
fsr-3469	359	24	)	)	PUNCT
fsr-3469	359	25	,	,	PUNCT
fsr-3469	359	26	inertia	inertia	NOUN
fsr-3469	359	27	(	(	PUNCT
fsr-3469	359	28	r	r	NOUN
fsr-3469	359	29	=	=	SYM
fsr-3469	359	30	0.08	0.08	NUM
fsr-3469	359	31	,	,	PUNCT
fsr-3469	359	32	p	p	X
fsr-3469	359	33	<	<	X
fsr-3469	359	34	.02	.02	NUM
fsr-3469	359	35	)	)	PUNCT
fsr-3469	359	36	,	,	PUNCT
fsr-3469	359	37	advisor	advisor	NOUN
fsr-3469	359	38	usefulness	usefulness	NOUN
fsr-3469	359	39	(	(	PUNCT
fsr-3469	359	40	r	r	NOUN
fsr-3469	359	41	=	=	SYM
fsr-3469	359	42	0.13	0.13	NUM
fsr-3469	359	43	,	,	PUNCT
fsr-3469	359	44	p	p	X
fsr-3469	359	45	<	<	X
fsr-3469	359	46	.0001	.0001	NOUN
fsr-3469	359	47	)	)	PUNCT
fsr-3469	359	48	,	,	PUNCT
fsr-3469	359	49	and	and	CCONJ
fsr-3469	359	50	selfefficacy	selfefficacy	NOUN
fsr-3469	359	51	(	(	PUNCT
fsr-3469	359	52	r	r	NOUN
fsr-3469	359	53	=	=	SYM
fsr-3469	359	54	�	�	PROPN
fsr-3469	359	55	0.15	0.15	NUM
fsr-3469	359	56	,	,	PUNCT
fsr-3469	359	57	p	p	X
fsr-3469	359	58	<	<	X
fsr-3469	359	59	.0001	.0001	NOUN
fsr-3469	359	60	)	)	PUNCT
fsr-3469	359	61	.	.	PUNCT
fsr-3469	360	1	additionally	additionally	ADV
fsr-3469	360	2	,	,	PUNCT
fsr-3469	360	3	higher	high	ADJ
fsr-3469	360	4	liquidity	liquidity	NOUN
fsr-3469	360	5	concerns	concern	NOUN
fsr-3469	360	6	are	be	AUX
fsr-3469	360	7	associated	associate	VERB
fsr-3469	360	8	with	with	ADP
fsr-3469	360	9	a.	a.	PROPN
fsr-3469	360	10	murgua	murgua	PROPN
fsr-3469	360	11	and	and	CCONJ
fsr-3469	360	12	w.	w.	PROPN
fsr-3469	360	13	pfau	pfau	PROPN
fsr-3469	360	14	/	/	SYM
fsr-3469	360	15	financial	financial	ADJ
fsr-3469	360	16	services	service	NOUN
fsr-3469	360	17	review	review	VERB
fsr-3469	360	18	30	30	NUM
fsr-3469	360	19	(	(	PUNCT
fsr-3469	360	20	2022	2022	NUM
fsr-3469	360	21	)	)	PUNCT
fsr-3469	360	22	1–29	1–29	PROPN
fsr-3469	360	23	15	15	NUM
fsr-3469	360	24	lower	low	ADJ
fsr-3469	360	25	loss	loss	NOUN
fsr-3469	360	26	aversion	aversion	NOUN
fsr-3469	360	27	tolerance	tolerance	NOUN
fsr-3469	360	28	(	(	PUNCT
fsr-3469	360	29	r	r	NOUN
fsr-3469	360	30	=	=	SYM
fsr-3469	360	31	�	�	NOUN
fsr-3469	360	32	0.08	0.08	NUM
fsr-3469	360	33	,	,	PUNCT
fsr-3469	360	34	p	p	X
fsr-3469	360	35	<	<	X
fsr-3469	360	36	.01	.01	NUM
fsr-3469	360	37	)	)	PUNCT
fsr-3469	360	38	.	.	PUNCT
fsr-3469	361	1	lifestyle	lifestyle	PROPN
fsr-3469	361	2	concerns	concern	NOUN
fsr-3469	361	3	exhibit	exhibit	VERB
fsr-3469	361	4	significant	significant	ADJ
fsr-3469	361	5	positive	positive	ADJ
fsr-3469	361	6	associations	association	NOUN
fsr-3469	361	7	with	with	ADP
fsr-3469	361	8	self	self	NOUN
fsr-3469	361	9	-	-	PUNCT
fsr-3469	361	10	efficacy	efficacy	NOUN
fsr-3469	361	11	(	(	PUNCT
fsr-3469	361	12	r	r	NOUN
fsr-3469	361	13	=	=	SYM
fsr-3469	361	14	0.15	0.15	NUM
fsr-3469	361	15	,	,	PUNCT
fsr-3469	361	16	p	p	X
fsr-3469	361	17	<	<	X
fsr-3469	361	18	.0001	.0001	NOUN
fsr-3469	361	19	)	)	PUNCT
fsr-3469	361	20	,	,	PUNCT
fsr-3469	361	21	numeracy	numeracy	NOUN
fsr-3469	361	22	(	(	PUNCT
fsr-3469	361	23	r	r	NOUN
fsr-3469	361	24	=	=	SYM
fsr-3469	361	25	0.09	0.09	NUM
fsr-3469	361	26	,	,	PUNCT
fsr-3469	361	27	p	p	X
fsr-3469	361	28	<	<	X
fsr-3469	361	29	.01	.01	NUM
fsr-3469	361	30	)	)	PUNCT
fsr-3469	361	31	,	,	PUNCT
fsr-3469	361	32	and	and	CCONJ
fsr-3469	361	33	loss	loss	NOUN
fsr-3469	361	34	aversion	aversion	NOUN
fsr-3469	361	35	tolerance	tolerance	NOUN
fsr-3469	361	36	(	(	PUNCT
fsr-3469	361	37	r	r	NOUN
fsr-3469	361	38	=	=	SYM
fsr-3469	361	39	0.18	0.18	NUM
fsr-3469	361	40	,	,	PUNCT
fsr-3469	361	41	p	p	X
fsr-3469	361	42	<	<	X
fsr-3469	361	43	.0001	.0001	NOUN
fsr-3469	361	44	)	)	PUNCT
fsr-3469	361	45	.	.	PUNCT
fsr-3469	362	1	results	result	NOUN
fsr-3469	362	2	across	across	ADP
fsr-3469	362	3	our	our	PRON
fsr-3469	362	4	scales	scale	NOUN
fsr-3469	362	5	indicate	indicate	VERB
fsr-3469	362	6	a	a	DET
fsr-3469	362	7	hierarchy	hierarchy	NOUN
fsr-3469	362	8	of	of	ADP
fsr-3469	362	9	retirement	retirement	NOUN
fsr-3469	362	10	income	income	NOUN
fsr-3469	362	11	concerns	concern	NOUN
fsr-3469	362	12	.	.	PUNCT
fsr-3469	363	1	at	at	ADP
fsr-3469	363	2	a	a	DET
fsr-3469	363	3	more	more	ADV
fsr-3469	363	4	basic	basic	ADJ
fsr-3469	363	5	level	level	NOUN
fsr-3469	363	6	,	,	PUNCT
fsr-3469	363	7	the	the	DET
fsr-3469	363	8	presence	presence	NOUN
fsr-3469	363	9	of	of	ADP
fsr-3469	363	10	increased	increase	VERB
fsr-3469	363	11	financial	financial	ADJ
fsr-3469	363	12	biases	bias	NOUN
fsr-3469	363	13	,	,	PUNCT
fsr-3469	363	14	lower	low	ADJ
fsr-3469	363	15	numeracy	numeracy	NOUN
fsr-3469	363	16	scores	score	NOUN
fsr-3469	363	17	,	,	PUNCT
fsr-3469	363	18	and	and	CCONJ
fsr-3469	363	19	lower	low	ADJ
fsr-3469	363	20	levels	level	NOUN
fsr-3469	363	21	of	of	ADP
fsr-3469	363	22	self	self	NOUN
fsr-3469	363	23	-	-	PUNCT
fsr-3469	363	24	efficacy	efficacy	NOUN
fsr-3469	363	25	relate	relate	VERB
fsr-3469	363	26	to	to	ADP
fsr-3469	363	27	a	a	DET
fsr-3469	363	28	greater	great	ADJ
fsr-3469	363	29	concern	concern	NOUN
fsr-3469	363	30	for	for	ADP
fsr-3469	363	31	achieving	achieve	VERB
fsr-3469	363	32	essential	essential	ADJ
fsr-3469	363	33	spending	spending	NOUN
fsr-3469	363	34	needs	need	NOUN
fsr-3469	363	35	and	and	CCONJ
fsr-3469	363	36	accommodating	accommodate	VERB
fsr-3469	363	37	unexpected	unexpected	ADJ
fsr-3469	363	38	emergencies	emergency	NOUN
fsr-3469	363	39	during	during	ADP
fsr-3469	363	40	retirement	retirement	NOUN
fsr-3469	363	41	.	.	PUNCT
fsr-3469	364	1	in	in	ADP
fsr-3469	364	2	addition	addition	NOUN
fsr-3469	364	3	,	,	PUNCT
fsr-3469	364	4	higher	high	ADJ
fsr-3469	364	5	levels	level	NOUN
fsr-3469	364	6	of	of	ADP
fsr-3469	364	7	liquidity	liquidity	NOUN
fsr-3469	364	8	concerns	concern	NOUN
fsr-3469	364	9	reflect	reflect	VERB
fsr-3469	364	10	greater	great	ADJ
fsr-3469	364	11	loss	loss	NOUN
fsr-3469	364	12	aversion	aversion	NOUN
fsr-3469	364	13	.	.	PUNCT
fsr-3469	365	1	there	there	PRON
fsr-3469	365	2	may	may	AUX
fsr-3469	365	3	also	also	ADV
fsr-3469	365	4	be	be	AUX
fsr-3469	365	5	a	a	DET
fsr-3469	365	6	recognition	recognition	NOUN
fsr-3469	365	7	among	among	ADP
fsr-3469	365	8	those	those	PRON
fsr-3469	365	9	with	with	ADP
fsr-3469	365	10	higher	high	ADJ
fsr-3469	365	11	longevity	longevity	NOUN
fsr-3469	365	12	and	and	CCONJ
fsr-3469	365	13	liquidity	liquidity	NOUN
fsr-3469	365	14	concerns	concern	NOUN
fsr-3469	365	15	that	that	SCONJ
fsr-3469	365	16	a	a	DET
fsr-3469	365	17	financial	financial	ADJ
fsr-3469	365	18	professional	professional	NOUN
fsr-3469	365	19	can	can	AUX
fsr-3469	365	20	help	help	VERB
fsr-3469	365	21	them	they	PRON
fsr-3469	365	22	overcome	overcome	VERB
fsr-3469	365	23	their	their	PRON
fsr-3469	365	24	personal	personal	ADJ
fsr-3469	365	25	hurdles	hurdle	NOUN
fsr-3469	365	26	and	and	CCONJ
fsr-3469	365	27	retirement	retirement	NOUN
fsr-3469	365	28	concerns	concern	NOUN
fsr-3469	365	29	.	.	PUNCT
fsr-3469	366	1	in	in	ADP
fsr-3469	366	2	contrast	contrast	NOUN
fsr-3469	366	3	,	,	PUNCT
fsr-3469	366	4	achieving	achieve	VERB
fsr-3469	366	5	more	more	ADJ
fsr-3469	366	6	discretionary	discretionary	ADJ
fsr-3469	366	7	spending	spending	NOUN
fsr-3469	366	8	goals	goal	NOUN
fsr-3469	366	9	signals	signal	VERB
fsr-3469	366	10	a	a	DET
fsr-3469	366	11	shift	shift	NOUN
fsr-3469	366	12	beyond	beyond	ADP
fsr-3469	366	13	the	the	DET
fsr-3469	366	14	threshold	threshold	NOUN
fsr-3469	366	15	of	of	ADP
fsr-3469	366	16	longevity	longevity	NOUN
fsr-3469	366	17	and	and	CCONJ
fsr-3469	366	18	liquidity	liquidity	NOUN
fsr-3469	366	19	concerns	concern	NOUN
fsr-3469	366	20	.	.	PUNCT
fsr-3469	367	1	while	while	SCONJ
fsr-3469	367	2	achieving	achieve	VERB
fsr-3469	367	3	essential	essential	ADJ
fsr-3469	367	4	spending	spending	NOUN
fsr-3469	367	5	needs	need	NOUN
fsr-3469	367	6	are	be	AUX
fsr-3469	367	7	a	a	DET
fsr-3469	367	8	requirement	requirement	NOUN
fsr-3469	367	9	for	for	ADP
fsr-3469	367	10	any	any	DET
fsr-3469	367	11	successful	successful	ADJ
fsr-3469	367	12	retirement	retirement	NOUN
fsr-3469	367	13	income	income	NOUN
fsr-3469	367	14	plan	plan	NOUN
fsr-3469	367	15	,	,	PUNCT
fsr-3469	367	16	participants	participant	NOUN
fsr-3469	367	17	with	with	ADP
fsr-3469	367	18	high	high	ADJ
fsr-3469	367	19	levels	level	NOUN
fsr-3469	367	20	of	of	ADP
fsr-3469	367	21	lifestyle	lifestyle	NOUN
fsr-3469	367	22	concerns	concern	NOUN
fsr-3469	367	23	are	be	AUX
fsr-3469	367	24	not	not	PART
fsr-3469	367	25	overly	overly	ADV
fsr-3469	367	26	anxious	anxious	ADJ
fsr-3469	367	27	about	about	ADP
fsr-3469	367	28	the	the	DET
fsr-3469	367	29	ability	ability	NOUN
fsr-3469	367	30	to	to	PART
fsr-3469	367	31	fulfill	fulfill	VERB
fsr-3469	367	32	their	their	PRON
fsr-3469	367	33	longevity	longevity	NOUN
fsr-3469	367	34	needs	need	NOUN
fsr-3469	367	35	(	(	PUNCT
fsr-3469	367	36	r	r	NOUN
fsr-3469	367	37	=	=	SYM
fsr-3469	367	38	�	�	PROPN
fsr-3469	367	39	0.27	0.27	NUM
fsr-3469	367	40	,	,	PUNCT
fsr-3469	367	41	p	p	X
fsr-3469	367	42	<	<	X
fsr-3469	367	43	.0001	.0001	NOUN
fsr-3469	367	44	)	)	PUNCT
fsr-3469	367	45	.	.	PUNCT
fsr-3469	368	1	these	these	DET
fsr-3469	368	2	individuals	individual	NOUN
fsr-3469	368	3	usually	usually	ADV
fsr-3469	368	4	desire	desire	VERB
fsr-3469	368	5	spending	spending	NOUN
fsr-3469	368	6	increases	increase	NOUN
fsr-3469	368	7	to	to	PART
fsr-3469	368	8	achieve	achieve	VERB
fsr-3469	368	9	more	more	ADJ
fsr-3469	368	10	lifestyle	lifestyle	NOUN
fsr-3469	368	11	objectives	objective	NOUN
fsr-3469	368	12	in	in	ADP
fsr-3469	368	13	retirement	retirement	NOUN
fsr-3469	368	14	.	.	PUNCT
fsr-3469	369	1	this	this	PRON
fsr-3469	369	2	generally	generally	ADV
fsr-3469	369	3	requires	require	VERB
fsr-3469	369	4	a	a	DET
fsr-3469	369	5	greater	great	ADJ
fsr-3469	369	6	exposure	exposure	NOUN
fsr-3469	369	7	to	to	ADP
fsr-3469	369	8	market	market	NOUN
fsr-3469	369	9	volatility	volatility	NOUN
fsr-3469	369	10	that	that	PRON
fsr-3469	369	11	is	be	AUX
fsr-3469	369	12	associated	associate	VERB
fsr-3469	369	13	with	with	ADP
fsr-3469	369	14	greater	great	ADJ
fsr-3469	369	15	levels	level	NOUN
fsr-3469	369	16	of	of	ADP
fsr-3469	369	17	self	self	NOUN
fsr-3469	369	18	-	-	PUNCT
fsr-3469	369	19	efficacy	efficacy	NOUN
fsr-3469	369	20	,	,	PUNCT
fsr-3469	369	21	numeracy	numeracy	NOUN
fsr-3469	369	22	,	,	PUNCT
fsr-3469	369	23	and	and	CCONJ
fsr-3469	369	24	loss	loss	NOUN
fsr-3469	369	25	aversion	aversion	NOUN
fsr-3469	369	26	tolerance	tolerance	NOUN
fsr-3469	369	27	.	.	PUNCT
fsr-3469	370	1	higher	high	ADJ
fsr-3469	370	2	levels	level	NOUN
fsr-3469	370	3	of	of	ADP
fsr-3469	370	4	numeracy	numeracy	NOUN
fsr-3469	370	5	self	self	NOUN
fsr-3469	370	6	-	-	PUNCT
fsr-3469	370	7	awareness	awareness	NOUN
fsr-3469	370	8	are	be	AUX
fsr-3469	370	9	related	relate	VERB
fsr-3469	370	10	to	to	ADP
fsr-3469	370	11	the	the	DET
fsr-3469	370	12	need	need	NOUN
fsr-3469	370	13	to	to	PART
fsr-3469	370	14	account	account	VERB
fsr-3469	370	15	for	for	ADP
fsr-3469	370	16	unexpected	unexpected	ADJ
fsr-3469	370	17	contingencies	contingency	NOUN
fsr-3469	370	18	.	.	PUNCT
fsr-3469	371	1	fig	fig	NOUN
fsr-3469	371	2	.	.	PUNCT
fsr-3469	372	1	1	1	X
fsr-3469	372	2	.	.	X
fsr-3469	372	3	numeracy	numeracy	NOUN
fsr-3469	372	4	score	score	NOUN
fsr-3469	372	5	versus	versus	ADP
fsr-3469	372	6	expected	expect	VERB
fsr-3469	372	7	score	score	NOUN
fsr-3469	372	8	16	16	NUM
fsr-3469	372	9	a.	a.	NOUN
fsr-3469	372	10	murguı́a	murguı́a	NOUN
fsr-3469	372	11	and	and	CCONJ
fsr-3469	372	12	w.	w.	NOUN
fsr-3469	372	13	pfau	pfau	PROPN
fsr-3469	372	14	/	/	SYM
fsr-3469	372	15	financial	financial	ADJ
fsr-3469	372	16	services	service	NOUN
fsr-3469	372	17	review	review	VERB
fsr-3469	372	18	30	30	NUM
fsr-3469	372	19	(	(	PUNCT
fsr-3469	372	20	2022	2022	NUM
fsr-3469	372	21	)	)	PUNCT
fsr-3469	372	22	1–29	1–29	PROPN
fsr-3469	372	23	4.3	4.3	NUM
fsr-3469	372	24	.	.	PUNCT
fsr-3469	373	1	investment	investment	NOUN
fsr-3469	373	2	behaviors	behavior	NOUN
fsr-3469	373	3	4.3.1	4.3.1	VERB
fsr-3469	373	4	dividend	dividend	NOUN
fsr-3469	373	5	agnostic	agnostic	ADJ
fsr-3469	373	6	an	an	DET
fsr-3469	373	7	indifference	indifference	NOUN
fsr-3469	373	8	toward	toward	ADP
fsr-3469	373	9	dividend	dividend	NOUN
fsr-3469	373	10	stocks	stock	NOUN
fsr-3469	373	11	(	(	PUNCT
fsr-3469	373	12	high	high	ADJ
fsr-3469	373	13	score	score	NOUN
fsr-3469	373	14	)	)	PUNCT
fsr-3469	373	15	for	for	ADP
fsr-3469	373	16	retirement	retirement	NOUN
fsr-3469	373	17	income	income	NOUN
fsr-3469	373	18	is	be	AUX
fsr-3469	373	19	associated	associate	VERB
fsr-3469	373	20	with	with	ADP
fsr-3469	373	21	greater	great	ADJ
fsr-3469	373	22	levels	level	NOUN
fsr-3469	373	23	of	of	ADP
fsr-3469	373	24	retirement	retirement	NOUN
fsr-3469	373	25	income	income	NOUN
fsr-3469	373	26	self	self	NOUN
fsr-3469	373	27	-	-	PUNCT
fsr-3469	373	28	efficacy	efficacy	NOUN
fsr-3469	373	29	(	(	PUNCT
fsr-3469	373	30	r	r	NOUN
fsr-3469	373	31	=	=	SYM
fsr-3469	373	32	0.23	0.23	NUM
fsr-3469	373	33	,	,	PUNCT
fsr-3469	373	34	p	p	X
fsr-3469	373	35	<	<	X
fsr-3469	373	36	.0001	.0001	NOUN
fsr-3469	373	37	)	)	PUNCT
fsr-3469	373	38	,	,	PUNCT
fsr-3469	373	39	numeracy	numeracy	NOUN
fsr-3469	373	40	(	(	PUNCT
fsr-3469	373	41	r	r	NOUN
fsr-3469	373	42	=	=	SYM
fsr-3469	373	43	0.20	0.20	NUM
fsr-3469	373	44	,	,	PUNCT
fsr-3469	373	45	p	p	X
fsr-3469	373	46	<	<	X
fsr-3469	373	47	.0001	.0001	NOUN
fsr-3469	373	48	)	)	PUNCT
fsr-3469	373	49	,	,	PUNCT
fsr-3469	373	50	and	and	CCONJ
fsr-3469	373	51	loss	loss	NOUN
fsr-3469	373	52	aversion	aversion	NOUN
fsr-3469	373	53	tolerance	tolerance	NOUN
fsr-3469	373	54	(	(	PUNCT
fsr-3469	373	55	r	r	NOUN
fsr-3469	373	56	=	=	SYM
fsr-3469	373	57	0.08	0.08	NUM
fsr-3469	373	58	,	,	PUNCT
fsr-3469	373	59	p	p	X
fsr-3469	373	60	<	<	X
fsr-3469	373	61	.05	.05	NUM
fsr-3469	373	62	)	)	PUNCT
fsr-3469	373	63	.	.	PUNCT
fsr-3469	374	1	in	in	ADP
fsr-3469	374	2	contrast	contrast	NOUN
fsr-3469	374	3	,	,	PUNCT
fsr-3469	374	4	a	a	DET
fsr-3469	374	5	focus	focus	NOUN
fsr-3469	374	6	on	on	ADP
fsr-3469	374	7	dividends	dividend	NOUN
fsr-3469	374	8	for	for	ADP
fsr-3469	374	9	retirement	retirement	NOUN
fsr-3469	374	10	income	income	NOUN
fsr-3469	374	11	(	(	PUNCT
fsr-3469	374	12	low	low	ADJ
fsr-3469	374	13	dividend	dividend	NOUN
fsr-3469	374	14	agnostic	agnostic	ADJ
fsr-3469	374	15	score	score	NOUN
fsr-3469	374	16	)	)	PUNCT
fsr-3469	374	17	is	be	AUX
fsr-3469	374	18	related	relate	VERB
fsr-3469	374	19	to	to	ADP
fsr-3469	374	20	higher	high	ADJ
fsr-3469	374	21	levels	level	NOUN
fsr-3469	374	22	of	of	ADP
fsr-3469	374	23	financial	financial	ADJ
fsr-3469	374	24	biases	bias	NOUN
fsr-3469	374	25	(	(	PUNCT
fsr-3469	374	26	r	r	NOUN
fsr-3469	374	27	=	=	SYM
fsr-3469	374	28	�	�	PROPN
fsr-3469	374	29	0.37	0.37	NUM
fsr-3469	374	30	,	,	PUNCT
fsr-3469	374	31	p	p	X
fsr-3469	374	32	<	<	X
fsr-3469	374	33	.0001	.0001	NOUN
fsr-3469	374	34	)	)	PUNCT
fsr-3469	374	35	,	,	PUNCT
fsr-3469	374	36	perceived	perceive	VERB
fsr-3469	374	37	advisor	advisor	NOUN
fsr-3469	374	38	usefulness	usefulness	NOUN
fsr-3469	374	39	(	(	PUNCT
fsr-3469	374	40	r	r	NOUN
fsr-3469	374	41	=	=	SYM
fsr-3469	374	42	�	�	PROPN
fsr-3469	374	43	0.20	0.20	NUM
fsr-3469	374	44	,	,	PUNCT
fsr-3469	374	45	p	p	X
fsr-3469	374	46	<	<	X
fsr-3469	374	47	.0001	.0001	NOUN
fsr-3469	374	48	)	)	PUNCT
fsr-3469	374	49	,	,	PUNCT
fsr-3469	374	50	and	and	CCONJ
fsr-3469	374	51	lower	low	ADJ
fsr-3469	374	52	levels	level	NOUN
fsr-3469	374	53	of	of	ADP
fsr-3469	374	54	numeracy	numeracy	NOUN
fsr-3469	374	55	self	self	NOUN
fsr-3469	374	56	-	-	PUNCT
fsr-3469	374	57	awareness	awareness	NOUN
fsr-3469	374	58	(	(	PUNCT
fsr-3469	374	59	r	r	NOUN
fsr-3469	374	60	=	=	SYM
fsr-3469	374	61	�	�	PROPN
fsr-3469	374	62	0.09	0.09	NUM
fsr-3469	374	63	,	,	PUNCT
fsr-3469	374	64	p	p	X
fsr-3469	374	65	<	<	X
fsr-3469	374	66	.01	.01	NUM
fsr-3469	374	67	)	)	PUNCT
fsr-3469	374	68	.	.	PUNCT
fsr-3469	375	1	those	those	PRON
fsr-3469	375	2	with	with	ADP
fsr-3469	375	3	a	a	DET
fsr-3469	375	4	higher	high	ADJ
fsr-3469	375	5	understanding	understanding	NOUN
fsr-3469	375	6	of	of	ADP
fsr-3469	375	7	numerical	numerical	ADJ
fsr-3469	375	8	concepts	concept	NOUN
fsr-3469	375	9	exhibit	exhibit	VERB
fsr-3469	375	10	the	the	DET
fsr-3469	375	11	belief	belief	NOUN
fsr-3469	375	12	that	that	SCONJ
fsr-3469	375	13	there	there	PRON
fsr-3469	375	14	is	be	VERB
fsr-3469	375	15	no	no	DET
fsr-3469	375	16	true	true	ADJ
fsr-3469	375	17	economic	economic	ADJ
fsr-3469	375	18	benefit	benefit	NOUN
fsr-3469	375	19	by	by	ADP
fsr-3469	375	20	focusing	focus	VERB
fsr-3469	375	21	on	on	ADP
fsr-3469	375	22	dividend	dividend	NOUN
fsr-3469	375	23	producing	produce	VERB
fsr-3469	375	24	stocks	stock	NOUN
fsr-3469	375	25	for	for	ADP
fsr-3469	375	26	a	a	DET
fsr-3469	375	27	retirement	retirement	NOUN
fsr-3469	375	28	income	income	NOUN
fsr-3469	375	29	plan	plan	NOUN
fsr-3469	375	30	.	.	PUNCT
fsr-3469	376	1	additionally	additionally	ADV
fsr-3469	376	2	,	,	PUNCT
fsr-3469	376	3	investors	investor	NOUN
fsr-3469	376	4	most	most	ADV
fsr-3469	376	5	susceptible	susceptible	ADJ
fsr-3469	376	6	to	to	ADP
fsr-3469	376	7	financial	financial	ADJ
fsr-3469	376	8	biases	bias	NOUN
fsr-3469	376	9	and	and	CCONJ
fsr-3469	376	10	lacking	lack	VERB
fsr-3469	376	11	numeracy	numeracy	NOUN
fsr-3469	376	12	self	self	NOUN
fsr-3469	376	13	-	-	PUNCT
fsr-3469	376	14	awareness	awareness	NOUN
fsr-3469	376	15	may	may	AUX
fsr-3469	376	16	be	be	AUX
fsr-3469	376	17	emphasizing	emphasize	VERB
fsr-3469	376	18	the	the	DET
fsr-3469	376	19	benefits	benefit	NOUN
fsr-3469	376	20	of	of	ADP
fsr-3469	376	21	dividend	dividend	NOUN
fsr-3469	376	22	stocks	stock	NOUN
fsr-3469	376	23	for	for	ADP
fsr-3469	376	24	retirement	retirement	NOUN
fsr-3469	376	25	income	income	NOUN
fsr-3469	376	26	while	while	SCONJ
fsr-3469	376	27	minimizing	minimize	VERB
fsr-3469	376	28	the	the	DET
fsr-3469	376	29	risk	risk	NOUN
fsr-3469	376	30	of	of	ADP
fsr-3469	376	31	focusing	focus	VERB
fsr-3469	376	32	on	on	ADP
fsr-3469	376	33	a	a	DET
fsr-3469	376	34	concentrated	concentrated	ADJ
fsr-3469	376	35	selection	selection	NOUN
fsr-3469	376	36	of	of	ADP
fsr-3469	376	37	stocks	stock	NOUN
fsr-3469	376	38	.	.	PUNCT
fsr-3469	377	1	a	a	DET
fsr-3469	377	2	non	non	ADJ
fsr-3469	377	3	-	-	ADJ
fsr-3469	377	4	dividend	dividend	ADJ
fsr-3469	377	5	focused	focus	VERB
fsr-3469	377	6	approach	approach	NOUN
fsr-3469	377	7	and	and	CCONJ
fsr-3469	377	8	a	a	DET
fsr-3469	377	9	nonforecasting	nonforecaste	VERB
fsr-3469	377	10	investment	investment	NOUN
fsr-3469	377	11	style	style	NOUN
fsr-3469	377	12	(	(	PUNCT
fsr-3469	377	13	r	r	NOUN
fsr-3469	377	14	=	=	SYM
fsr-3469	377	15	0.42	0.42	NUM
fsr-3469	377	16	,	,	PUNCT
fsr-3469	377	17	p	p	X
fsr-3469	377	18	<	<	X
fsr-3469	377	19	.0001	.0001	NOUN
fsr-3469	377	20	)	)	PUNCT
fsr-3469	377	21	also	also	ADV
fsr-3469	377	22	supports	support	VERB
fsr-3469	377	23	this	this	DET
fsr-3469	377	24	association	association	NOUN
fsr-3469	377	25	.	.	PUNCT
fsr-3469	378	1	4.3.2	4.3.2	X
fsr-3469	378	2	.	.	PUNCT
fsr-3469	379	1	non	non	ADJ
fsr-3469	379	2	-	-	ADJ
fsr-3469	379	3	forecasting	forecasting	ADJ
fsr-3469	379	4	versus	versus	ADP
fsr-3469	379	5	forecasting	forecast	VERB
fsr-3469	379	6	investment	investment	NOUN
fsr-3469	379	7	strategy	strategy	NOUN
fsr-3469	379	8	a	a	DET
fsr-3469	379	9	high	high	ADJ
fsr-3469	379	10	score	score	NOUN
fsr-3469	379	11	on	on	ADP
fsr-3469	379	12	the	the	DET
fsr-3469	379	13	non	non	ADJ
fsr-3469	379	14	-	-	ADJ
fsr-3469	379	15	forecasting	forecasting	ADJ
fsr-3469	379	16	versus	versus	ADP
fsr-3469	379	17	forecasting	forecasting	NOUN
fsr-3469	379	18	scale	scale	NOUN
fsr-3469	379	19	indicates	indicate	VERB
fsr-3469	379	20	a	a	DET
fsr-3469	379	21	preference	preference	NOUN
fsr-3469	379	22	for	for	ADP
fsr-3469	379	23	a	a	DET
fsr-3469	379	24	non	non	ADJ
fsr-3469	379	25	-	-	ADJ
fsr-3469	379	26	forecasting	forecasting	ADJ
fsr-3469	379	27	(	(	PUNCT
fsr-3469	379	28	passive	passive	ADJ
fsr-3469	379	29	)	)	PUNCT
fsr-3469	379	30	investment	investment	NOUN
fsr-3469	379	31	approach	approach	NOUN
fsr-3469	379	32	.	.	PUNCT
fsr-3469	380	1	a	a	DET
fsr-3469	380	2	low	low	ADJ
fsr-3469	380	3	score	score	NOUN
fsr-3469	380	4	indicates	indicate	VERB
fsr-3469	380	5	a	a	DET
fsr-3469	380	6	preference	preference	NOUN
fsr-3469	380	7	for	for	ADP
fsr-3469	380	8	forecasting	forecasting	NOUN
fsr-3469	380	9	(	(	PUNCT
fsr-3469	380	10	active	active	ADJ
fsr-3469	380	11	)	)	PUNCT
fsr-3469	380	12	.	.	PUNCT
fsr-3469	381	1	a	a	DET
fsr-3469	381	2	non	non	ADJ
fsr-3469	381	3	-	-	ADJ
fsr-3469	381	4	forecasting	forecasting	ADJ
fsr-3469	381	5	investing	investing	NOUN
fsr-3469	381	6	approach	approach	NOUN
fsr-3469	381	7	is	be	AUX
fsr-3469	381	8	associated	associate	VERB
fsr-3469	381	9	with	with	ADP
fsr-3469	381	10	higher	high	ADJ
fsr-3469	381	11	levels	level	NOUN
fsr-3469	381	12	of	of	ADP
fsr-3469	381	13	retirement	retirement	NOUN
fsr-3469	381	14	income	income	NOUN
fsr-3469	381	15	self	self	NOUN
fsr-3469	381	16	-	-	PUNCT
fsr-3469	381	17	efficacy	efficacy	NOUN
fsr-3469	381	18	(	(	PUNCT
fsr-3469	381	19	r	r	NOUN
fsr-3469	381	20	=	=	SYM
fsr-3469	381	21	0.34	0.34	NUM
fsr-3469	381	22	,	,	PUNCT
fsr-3469	381	23	p	p	X
fsr-3469	381	24	<	<	X
fsr-3469	381	25	.0001	.0001	NOUN
fsr-3469	381	26	)	)	PUNCT
fsr-3469	381	27	,	,	PUNCT
fsr-3469	381	28	numeracy	numeracy	NOUN
fsr-3469	381	29	(	(	PUNCT
fsr-3469	381	30	r	r	NOUN
fsr-3469	381	31	=	=	SYM
fsr-3469	381	32	0.11	0.11	NUM
fsr-3469	381	33	,	,	PUNCT
fsr-3469	381	34	p	p	X
fsr-3469	381	35	<	<	X
fsr-3469	381	36	.001	.001	NUM
fsr-3469	381	37	)	)	PUNCT
fsr-3469	381	38	,	,	PUNCT
fsr-3469	381	39	and	and	CCONJ
fsr-3469	381	40	to	to	ADP
fsr-3469	381	41	a	a	DET
fsr-3469	381	42	lesser	less	ADJ
fsr-3469	381	43	extent	extent	NOUN
fsr-3469	381	44	loss	loss	NOUN
fsr-3469	381	45	aversion	aversion	NOUN
fsr-3469	381	46	tolerance	tolerance	NOUN
fsr-3469	381	47	(	(	PUNCT
fsr-3469	381	48	r	r	NOUN
fsr-3469	381	49	=	=	SYM
fsr-3469	381	50	0.08	0.08	NUM
fsr-3469	381	51	,	,	PUNCT
fsr-3469	381	52	p	p	X
fsr-3469	381	53	<	<	X
fsr-3469	381	54	.01	.01	NUM
fsr-3469	381	55	)	)	PUNCT
fsr-3469	381	56	.	.	PUNCT
fsr-3469	382	1	participants	participant	NOUN
fsr-3469	382	2	identifying	identify	VERB
fsr-3469	382	3	with	with	ADP
fsr-3469	382	4	a	a	DET
fsr-3469	382	5	forecasting	forecasting	NOUN
fsr-3469	382	6	approach	approach	NOUN
fsr-3469	382	7	exhibit	exhibit	VERB
fsr-3469	382	8	a	a	DET
fsr-3469	382	9	higher	high	ADJ
fsr-3469	382	10	susceptibility	susceptibility	NOUN
fsr-3469	382	11	to	to	ADP
fsr-3469	382	12	financial	financial	ADJ
fsr-3469	382	13	biases	bias	NOUN
fsr-3469	382	14	(	(	PUNCT
fsr-3469	382	15	r	r	NOUN
fsr-3469	382	16	=	=	SYM
fsr-3469	382	17	�	�	PROPN
fsr-3469	382	18	0.35	0.35	NUM
fsr-3469	382	19	,	,	PUNCT
fsr-3469	382	20	p	p	X
fsr-3469	382	21	<	<	X
fsr-3469	382	22	.0001	.0001	NOUN
fsr-3469	382	23	)	)	PUNCT
fsr-3469	382	24	and	and	CCONJ
fsr-3469	382	25	low	low	ADJ
fsr-3469	382	26	numeracy	numeracy	NOUN
fsr-3469	382	27	self	self	NOUN
fsr-3469	382	28	-	-	PUNCT
fsr-3469	382	29	awareness	awareness	NOUN
fsr-3469	382	30	(	(	PUNCT
fsr-3469	382	31	r	r	NOUN
fsr-3469	382	32	=	=	SYM
fsr-3469	382	33	�	�	PROPN
fsr-3469	382	34	0.09	0.09	NUM
fsr-3469	382	35	,	,	PUNCT
fsr-3469	382	36	p	p	X
fsr-3469	382	37	<	<	X
fsr-3469	382	38	.01	.01	NUM
fsr-3469	382	39	)	)	PUNCT
fsr-3469	382	40	.	.	PUNCT
fsr-3469	383	1	while	while	SCONJ
fsr-3469	383	2	the	the	DET
fsr-3469	383	3	results	result	NOUN
fsr-3469	383	4	are	be	AUX
fsr-3469	383	5	not	not	PART
fsr-3469	383	6	intended	intend	VERB
fsr-3469	383	7	to	to	PART
fsr-3469	383	8	convey	convey	VERB
fsr-3469	383	9	the	the	DET
fsr-3469	383	10	benefits	benefit	NOUN
fsr-3469	383	11	of	of	ADP
fsr-3469	383	12	one	one	NUM
fsr-3469	383	13	investment	investment	NOUN
fsr-3469	383	14	approach	approach	NOUN
fsr-3469	383	15	over	over	ADP
fsr-3469	383	16	another	another	PRON
fsr-3469	383	17	,	,	PUNCT
fsr-3469	383	18	results	result	NOUN
fsr-3469	383	19	indicate	indicate	VERB
fsr-3469	383	20	that	that	SCONJ
fsr-3469	383	21	high	high	ADJ
fsr-3469	383	22	self	self	NOUN
fsr-3469	383	23	-	-	PUNCT
fsr-3469	383	24	efficacy	efficacy	NOUN
fsr-3469	383	25	,	,	PUNCT
fsr-3469	383	26	numeracy	numeracy	NOUN
fsr-3469	383	27	,	,	PUNCT
fsr-3469	383	28	and	and	CCONJ
fsr-3469	383	29	portfolio	portfolio	NOUN
fsr-3469	383	30	loss	loss	NOUN
fsr-3469	383	31	aversion	aversion	NOUN
fsr-3469	383	32	tolerance	tolerance	NOUN
fsr-3469	383	33	are	be	AUX
fsr-3469	383	34	more	more	ADJ
fsr-3469	383	35	salient	salient	NOUN
fsr-3469	383	36	for	for	ADP
fsr-3469	383	37	participants	participant	NOUN
fsr-3469	383	38	espousing	espouse	VERB
fsr-3469	383	39	a	a	DET
fsr-3469	383	40	greater	great	ADJ
fsr-3469	383	41	affinity	affinity	NOUN
fsr-3469	383	42	for	for	ADP
fsr-3469	383	43	a	a	DET
fsr-3469	383	44	non	non	ADJ
fsr-3469	383	45	-	-	ADJ
fsr-3469	383	46	forecasting	forecasting	ADJ
fsr-3469	383	47	investment	investment	NOUN
fsr-3469	383	48	approach	approach	NOUN
fsr-3469	383	49	.	.	PUNCT
fsr-3469	384	1	while	while	SCONJ
fsr-3469	384	2	these	these	DET
fsr-3469	384	3	individuals	individual	NOUN
fsr-3469	384	4	may	may	AUX
fsr-3469	384	5	have	have	VERB
fsr-3469	384	6	the	the	DET
fsr-3469	384	7	ability	ability	NOUN
fsr-3469	384	8	and	and	CCONJ
fsr-3469	384	9	domain	domain	NOUN
fsr-3469	384	10	confidence	confidence	NOUN
fsr-3469	384	11	to	to	PART
fsr-3469	384	12	attempt	attempt	VERB
fsr-3469	384	13	to	to	PART
fsr-3469	384	14	identify	identify	VERB
fsr-3469	384	15	market	market	NOUN
fsr-3469	384	16	mispricing	mispricing	NOUN
fsr-3469	384	17	,	,	PUNCT
fsr-3469	384	18	they	they	PRON
fsr-3469	384	19	may	may	AUX
fsr-3469	384	20	also	also	ADV
fsr-3469	384	21	recognize	recognize	VERB
fsr-3469	384	22	the	the	DET
fsr-3469	384	23	inherent	inherent	ADJ
fsr-3469	384	24	difficulty	difficulty	NOUN
fsr-3469	384	25	and	and	CCONJ
fsr-3469	384	26	the	the	DET
fsr-3469	384	27	potential	potential	NOUN
fsr-3469	384	28	for	for	ADP
fsr-3469	384	29	chance	chance	NOUN
fsr-3469	384	30	outcomes	outcome	NOUN
fsr-3469	384	31	in	in	ADP
fsr-3469	384	32	these	these	DET
fsr-3469	384	33	endeavors	endeavor	NOUN
fsr-3469	384	34	.	.	PUNCT
fsr-3469	385	1	instead	instead	ADV
fsr-3469	385	2	,	,	PUNCT
fsr-3469	385	3	these	these	DET
fsr-3469	385	4	participants	participant	NOUN
fsr-3469	385	5	exhibit	exhibit	VERB
fsr-3469	385	6	a	a	DET
fsr-3469	385	7	preference	preference	NOUN
fsr-3469	385	8	to	to	PART
fsr-3469	385	9	efficiently	efficiently	ADV
fsr-3469	385	10	capture	capture	VERB
fsr-3469	385	11	general	general	ADJ
fsr-3469	385	12	market	market	NOUN
fsr-3469	385	13	returns	return	NOUN
fsr-3469	385	14	.	.	PUNCT
fsr-3469	386	1	conversely	conversely	ADV
fsr-3469	386	2	,	,	PUNCT
fsr-3469	386	3	participants	participant	NOUN
fsr-3469	386	4	supporting	support	VERB
fsr-3469	386	5	market	market	NOUN
fsr-3469	386	6	forecasting	forecasting	NOUN
fsr-3469	386	7	preferences	preference	NOUN
fsr-3469	386	8	are	be	AUX
fsr-3469	386	9	more	more	ADV
fsr-3469	386	10	vulnerable	vulnerable	ADJ
fsr-3469	386	11	to	to	ADP
fsr-3469	386	12	financial	financial	ADJ
fsr-3469	386	13	biases	bias	NOUN
fsr-3469	386	14	;	;	PUNCT
fsr-3469	386	15	perhaps	perhaps	ADV
fsr-3469	386	16	from	from	ADP
fsr-3469	386	17	the	the	DET
fsr-3469	386	18	repeated	repeat	VERB
fsr-3469	386	19	exposures	exposure	NOUN
fsr-3469	386	20	to	to	ADP
fsr-3469	386	21	the	the	DET
fsr-3469	386	22	vagaries	vagary	NOUN
fsr-3469	386	23	of	of	ADP
fsr-3469	386	24	unpredictable	unpredictable	ADJ
fsr-3469	386	25	stock	stock	NOUN
fsr-3469	386	26	market	market	NOUN
fsr-3469	386	27	movements	movement	NOUN
fsr-3469	386	28	.	.	PUNCT
fsr-3469	387	1	coupled	couple	VERB
fsr-3469	387	2	with	with	ADP
fsr-3469	387	3	a	a	DET
fsr-3469	387	4	lack	lack	NOUN
fsr-3469	387	5	of	of	ADP
fsr-3469	387	6	numeracy	numeracy	NOUN
fsr-3469	387	7	self	self	NOUN
fsr-3469	387	8	-	-	PUNCT
fsr-3469	387	9	awareness	awareness	NOUN
fsr-3469	387	10	and	and	CCONJ
fsr-3469	387	11	lower	low	ADJ
fsr-3469	387	12	retirement	retirement	NOUN
fsr-3469	387	13	self	self	NOUN
fsr-3469	387	14	-	-	PUNCT
fsr-3469	387	15	efficacy	efficacy	NOUN
fsr-3469	387	16	,	,	PUNCT
fsr-3469	387	17	these	these	DET
fsr-3469	387	18	participants	participant	NOUN
fsr-3469	387	19	are	be	AUX
fsr-3469	387	20	more	more	ADV
fsr-3469	387	21	likely	likely	ADJ
fsr-3469	387	22	to	to	PART
fsr-3469	387	23	seek	seek	VERB
fsr-3469	387	24	professional	professional	ADJ
fsr-3469	387	25	guidance	guidance	NOUN
fsr-3469	387	26	for	for	ADP
fsr-3469	387	27	help	help	NOUN
fsr-3469	387	28	(	(	PUNCT
fsr-3469	387	29	r	r	NOUN
fsr-3469	387	30	=	=	SYM
fsr-3469	387	31	0.11	0.11	NUM
fsr-3469	387	32	,	,	PUNCT
fsr-3469	387	33	p	p	X
fsr-3469	387	34	<	<	X
fsr-3469	387	35	.001	.001	NUM
fsr-3469	387	36	)	)	PUNCT
fsr-3469	387	37	.	.	PUNCT
fsr-3469	388	1	overall	overall	ADV
fsr-3469	388	2	,	,	PUNCT
fsr-3469	388	3	correlations	correlation	NOUN
fsr-3469	388	4	indicate	indicate	VERB
fsr-3469	388	5	that	that	SCONJ
fsr-3469	388	6	our	our	PRON
fsr-3469	388	7	scales	scale	NOUN
fsr-3469	388	8	for	for	ADP
fsr-3469	388	9	retirement	retirement	NOUN
fsr-3469	388	10	income	income	NOUN
fsr-3469	388	11	self	self	NOUN
fsr-3469	388	12	-	-	PUNCT
fsr-3469	388	13	efficacy	efficacy	NOUN
fsr-3469	388	14	,	,	PUNCT
fsr-3469	388	15	financial	financial	ADJ
fsr-3469	388	16	bias	bias	NOUN
fsr-3469	388	17	,	,	PUNCT
fsr-3469	388	18	numeracy	numeracy	NOUN
fsr-3469	388	19	,	,	PUNCT
fsr-3469	388	20	advisor	advisor	NOUN
fsr-3469	388	21	usefulness	usefulness	NOUN
fsr-3469	388	22	,	,	PUNCT
fsr-3469	388	23	inertia	inertia	NOUN
fsr-3469	388	24	,	,	PUNCT
fsr-3469	388	25	and	and	CCONJ
fsr-3469	388	26	portfolio	portfolio	NOUN
fsr-3469	388	27	loss	loss	NOUN
fsr-3469	388	28	aversion	aversion	NOUN
fsr-3469	388	29	present	present	ADJ
fsr-3469	388	30	with	with	ADP
fsr-3469	388	31	criterion	criterion	NOUN
fsr-3469	388	32	validity	validity	NOUN
fsr-3469	388	33	as	as	SCONJ
fsr-3469	388	34	all	all	DET
fsr-3469	388	35	relationships	relationship	NOUN
fsr-3469	388	36	were	be	AUX
fsr-3469	388	37	in	in	ADP
fsr-3469	388	38	the	the	DET
fsr-3469	388	39	expected	expect	VERB
fsr-3469	388	40	direction	direction	NOUN
fsr-3469	388	41	.	.	PUNCT
fsr-3469	389	1	in	in	ADP
fsr-3469	389	2	addition	addition	NOUN
fsr-3469	389	3	,	,	PUNCT
fsr-3469	389	4	these	these	DET
fsr-3469	389	5	constructs	construct	NOUN
fsr-3469	389	6	have	have	VERB
fsr-3469	389	7	significant	significant	ADJ
fsr-3469	389	8	implications	implication	NOUN
fsr-3469	389	9	in	in	ADP
fsr-3469	389	10	how	how	SCONJ
fsr-3469	389	11	they	they	PRON
fsr-3469	389	12	are	be	AUX
fsr-3469	389	13	related	relate	VERB
fsr-3469	389	14	to	to	ADP
fsr-3469	389	15	each	each	DET
fsr-3469	389	16	other	other	ADJ
fsr-3469	389	17	,	,	PUNCT
fsr-3469	389	18	retirement	retirement	NOUN
fsr-3469	389	19	income	income	NOUN
fsr-3469	389	20	concerns	concern	NOUN
fsr-3469	389	21	,	,	PUNCT
fsr-3469	389	22	and	and	CCONJ
fsr-3469	389	23	investment	investment	NOUN
fsr-3469	389	24	behaviors	behavior	NOUN
fsr-3469	389	25	that	that	PRON
fsr-3469	389	26	are	be	AUX
fsr-3469	389	27	very	very	ADV
fsr-3469	389	28	impactful	impactful	ADJ
fsr-3469	389	29	to	to	ADP
fsr-3469	389	30	retirement	retirement	NOUN
fsr-3469	389	31	income	income	NOUN
fsr-3469	389	32	success	success	NOUN
fsr-3469	389	33	.	.	PUNCT
fsr-3469	390	1	in	in	ADP
fsr-3469	390	2	the	the	DET
fsr-3469	390	3	next	next	ADJ
fsr-3469	390	4	section	section	NOUN
fsr-3469	390	5	,	,	PUNCT
fsr-3469	390	6	we	we	PRON
fsr-3469	390	7	will	will	AUX
fsr-3469	390	8	assess	assess	VERB
fsr-3469	390	9	how	how	SCONJ
fsr-3469	390	10	these	these	DET
fsr-3469	390	11	variables	variable	NOUN
fsr-3469	390	12	are	be	AUX
fsr-3469	390	13	related	relate	VERB
fsr-3469	390	14	to	to	ADP
fsr-3469	390	15	retirement	retirement	NOUN
fsr-3469	390	16	outlooks	outlook	NOUN
fsr-3469	390	17	and	and	CCONJ
fsr-3469	390	18	advisor	advisor	NOUN
fsr-3469	390	19	implementation	implementation	NOUN
fsr-3469	390	20	.	.	PUNCT
fsr-3469	391	1	a.	a.	PROPN
fsr-3469	391	2	murgua	murgua	PROPN
fsr-3469	391	3	and	and	CCONJ
fsr-3469	391	4	w.	w.	PROPN
fsr-3469	391	5	pfau	pfau	PROPN
fsr-3469	391	6	/	/	SYM
fsr-3469	391	7	financial	financial	ADJ
fsr-3469	391	8	services	service	NOUN
fsr-3469	391	9	review	review	VERB
fsr-3469	391	10	30	30	NUM
fsr-3469	391	11	(	(	PUNCT
fsr-3469	391	12	2022	2022	NUM
fsr-3469	391	13	)	)	PUNCT
fsr-3469	391	14	1–29	1–29	PROPN
fsr-3469	392	1	17	17	NUM
fsr-3469	392	2	table	table	NOUN
fsr-3469	392	3	7	7	NUM
fsr-3469	392	4	regression	regression	NOUN
fsr-3469	392	5	analysis	analysis	NOUN
fsr-3469	392	6	of	of	ADP
fsr-3469	392	7	psychological	psychological	ADJ
fsr-3469	392	8	and	and	CCONJ
fsr-3469	392	9	behavioral	behavioral	ADJ
fsr-3469	392	10	finance	finance	NOUN
fsr-3469	392	11	constructs	construct	NOUN
fsr-3469	392	12	with	with	ADP
fsr-3469	392	13	retirement	retirement	NOUN
fsr-3469	392	14	outlooks	outlook	NOUN
fsr-3469	392	15	nest	nest	VERB
fsr-3469	392	16	egg	egg	NOUN
fsr-3469	392	17	satisfaction	satisfaction	PROPN
fsr-3469	392	18	retirement	retirement	NOUN
fsr-3469	392	19	income	income	NOUN
fsr-3469	392	20	strategy	strategy	NOUN
fsr-3469	392	21	anxiousness	anxiousness	NOUN
fsr-3469	392	22	sample	sample	NOUN
fsr-3469	392	23	577	577	NUM
fsr-3469	392	24	577	577	NUM
fsr-3469	392	25	f	f	PROPN
fsr-3469	392	26	value	value	NOUN
fsr-3469	392	27	13.15	13.15	NUM
fsr-3469	392	28	12.12	12.12	NUM
fsr-3469	392	29	global	global	ADJ
fsr-3469	392	30	f	f	NOUN
fsr-3469	392	31	pr	pr	NOUN
fsr-3469	392	32	>	>	X
fsr-3469	392	33	f	f	PROPN
fsr-3469	393	1	*	*	PUNCT
fsr-3469	393	2	*	*	PUNCT
fsr-3469	393	3	*	*	PUNCT
fsr-3469	393	4	*	*	PUNCT
fsr-3469	394	1	*	*	PUNCT
fsr-3469	394	2	*	*	PUNCT
fsr-3469	394	3	*	*	PUNCT
fsr-3469	394	4	*	*	PUNCT
fsr-3469	394	5	r2	r2	PROPN
fsr-3469	394	6	0.20	0.20	NUM
fsr-3469	394	7	0.19	0.19	NUM
fsr-3469	394	8	intercept	intercept	NOUN
fsr-3469	394	9	estimate	estimate	NOUN
fsr-3469	394	10	0.12	0.12	NUM
fsr-3469	394	11	0.11	0.11	NUM
fsr-3469	394	12	standard	standard	ADJ
fsr-3469	394	13	error	error	NOUN
fsr-3469	394	14	0.09	0.09	NUM
fsr-3469	394	15	0.10	0.10	NUM
fsr-3469	394	16	prob	prob	NOUN
fsr-3469	394	17	0.19	0.19	NUM
fsr-3469	394	18	0.24	0.24	NUM
fsr-3469	394	19	self	self	NOUN
fsr-3469	394	20	-	-	PUNCT
fsr-3469	394	21	efficacy	efficacy	NOUN
fsr-3469	394	22	estimate	estimate	NOUN
fsr-3469	394	23	0.37	0.37	NUM
fsr-3469	394	24	�	�	PROPN
fsr-3469	394	25	0.29	0.29	NUM
fsr-3469	394	26	standard	standard	ADJ
fsr-3469	394	27	error	error	NOUN
fsr-3469	394	28	0.04	0.04	NUM
fsr-3469	394	29	0.04	0.04	NUM
fsr-3469	394	30	probability	probability	NOUN
fsr-3469	394	31	*	*	PUNCT
fsr-3469	394	32	*	*	PUNCT
fsr-3469	394	33	*	*	PUNCT
fsr-3469	394	34	*	*	PUNCT
fsr-3469	394	35	*	*	PUNCT
fsr-3469	394	36	*	*	PUNCT
fsr-3469	394	37	*	*	PUNCT
fsr-3469	394	38	*	*	PUNCT
fsr-3469	394	39	financial	financial	ADJ
fsr-3469	394	40	biases	bias	NOUN
fsr-3469	394	41	estimate	estimate	VERB
fsr-3469	394	42	�	�	PROPN
fsr-3469	394	43	0.01	0.01	NUM
fsr-3469	394	44	0.20	0.20	NUM
fsr-3469	394	45	standard	standard	ADJ
fsr-3469	394	46	error	error	NOUN
fsr-3469	394	47	0.04	0.04	NUM
fsr-3469	394	48	0.04	0.04	NUM
fsr-3469	394	49	probability	probability	NOUN
fsr-3469	394	50	0.70	0.70	NUM
fsr-3469	394	51	*	*	PUNCT
fsr-3469	394	52	*	*	PUNCT
fsr-3469	394	53	*	*	PUNCT
fsr-3469	394	54	*	*	PUNCT
fsr-3469	394	55	inertia	inertia	NOUN
fsr-3469	394	56	estimate	estimate	NOUN
fsr-3469	394	57	�	�	PROPN
fsr-3469	394	58	0.01	0.01	NUM
fsr-3469	394	59	0.09	0.09	NUM
fsr-3469	394	60	standard	standard	ADJ
fsr-3469	394	61	error	error	NOUN
fsr-3469	394	62	0.04	0.04	NUM
fsr-3469	394	63	0.04	0.04	NUM
fsr-3469	394	64	probability	probability	NOUN
fsr-3469	394	65	0.86	0.86	NUM
fsr-3469	394	66	*	*	PUNCT
fsr-3469	394	67	numeracy	numeracy	NOUN
fsr-3469	394	68	estimate	estimate	NOUN
fsr-3469	394	69	�	�	PROPN
fsr-3469	394	70	0.03	0.03	NUM
fsr-3469	394	71	0.03	0.03	NUM
fsr-3469	394	72	standard	standard	ADJ
fsr-3469	394	73	error	error	NOUN
fsr-3469	394	74	0.05	0.05	NUM
fsr-3469	394	75	0.05	0.05	NUM
fsr-3469	394	76	probability	probability	NOUN
fsr-3469	395	1	0.45	0.45	NUM
fsr-3469	395	2	0.50	0.50	NUM
fsr-3469	395	3	numeracy	numeracy	NOUN
fsr-3469	395	4	awareness	awareness	NOUN
fsr-3469	395	5	estimate	estimate	VERB
fsr-3469	395	6	0.01	0.01	NUM
fsr-3469	395	7	�	�	PROPN
fsr-3469	395	8	0.02	0.02	NUM
fsr-3469	395	9	standard	standard	ADJ
fsr-3469	395	10	error	error	NOUN
fsr-3469	395	11	0.05	0.05	NUM
fsr-3469	395	12	0.05	0.05	NUM
fsr-3469	395	13	probability	probability	NOUN
fsr-3469	395	14	0.91	0.91	NUM
fsr-3469	395	15	0.68	0.68	NUM
fsr-3469	395	16	portfolio	portfolio	NOUN
fsr-3469	395	17	loss	loss	NOUN
fsr-3469	395	18	aversion	aversion	NOUN
fsr-3469	395	19	estimate	estimate	NOUN
fsr-3469	395	20	�	�	PROPN
fsr-3469	395	21	0.03	0.03	NUM
fsr-3469	395	22	0.02	0.02	NUM
fsr-3469	395	23	standard	standard	ADJ
fsr-3469	395	24	error	error	NOUN
fsr-3469	395	25	0.04	0.04	NUM
fsr-3469	395	26	0.04	0.04	NUM
fsr-3469	395	27	probability	probability	NOUN
fsr-3469	395	28	0.45	0.45	NUM
fsr-3469	395	29	0.69	0.69	NUM
fsr-3469	395	30	advisor	advisor	NOUN
fsr-3469	395	31	usefulness	usefulness	NOUN
fsr-3469	395	32	estimate	estimate	NOUN
fsr-3469	395	33	�	�	PROPN
fsr-3469	395	34	0.07	0.07	NUM
fsr-3469	395	35	0.02	0.02	NUM
fsr-3469	395	36	standard	standard	ADJ
fsr-3469	395	37	error	error	NOUN
fsr-3469	395	38	0.04	0.04	NUM
fsr-3469	395	39	0.04	0.04	NUM
fsr-3469	395	40	probability	probability	NOUN
fsr-3469	395	41	0.10	0.10	NUM
fsr-3469	395	42	0.64	0.64	NUM
fsr-3469	395	43	gender	gender	NOUN
fsr-3469	395	44	estimate	estimate	NOUN
fsr-3469	395	45	�	�	PROPN
fsr-3469	395	46	0.15	0.15	NUM
fsr-3469	395	47	�	�	PROPN
fsr-3469	395	48	0.14	0.14	NUM
fsr-3469	395	49	standard	standard	ADJ
fsr-3469	395	50	error	error	NOUN
fsr-3469	395	51	0.10	0.10	NUM
fsr-3469	395	52	0.10	0.10	NUM
fsr-3469	395	53	probability	probability	NOUN
fsr-3469	395	54	0.15	0.15	NUM
fsr-3469	395	55	0.18	0.18	NUM
fsr-3469	395	56	marital	marital	ADJ
fsr-3469	395	57	status	status	NOUN
fsr-3469	395	58	estimate	estimate	NOUN
fsr-3469	395	59	0.06	0.06	NUM
fsr-3469	395	60	�	�	PROPN
fsr-3469	395	61	0.09	0.09	NUM
fsr-3469	395	62	standard	standard	ADJ
fsr-3469	395	63	error	error	NOUN
fsr-3469	395	64	0.12	0.12	NUM
fsr-3469	395	65	0.12	0.12	NUM
fsr-3469	395	66	probability	probability	NOUN
fsr-3469	395	67	0.59	0.59	NUM
fsr-3469	395	68	0.47	0.47	NUM
fsr-3469	395	69	age	age	NOUN
fsr-3469	395	70	estimate	estimate	VERB
fsr-3469	395	71	0.05	0.05	NUM
fsr-3469	395	72	�	�	PROPN
fsr-3469	395	73	0.17	0.17	NUM
fsr-3469	395	74	standard	standard	ADJ
fsr-3469	395	75	error	error	NOUN
fsr-3469	395	76	0.04	0.04	NUM
fsr-3469	395	77	0.04	0.04	NUM
fsr-3469	395	78	probability	probability	NOUN
fsr-3469	395	79	0.18	0.18	NUM
fsr-3469	395	80	*	*	PUNCT
fsr-3469	395	81	*	*	PUNCT
fsr-3469	395	82	*	*	PUNCT
fsr-3469	395	83	*	*	PUNCT
fsr-3469	395	84	(	(	PUNCT
fsr-3469	395	85	continued	continue	VERB
fsr-3469	395	86	on	on	ADP
fsr-3469	395	87	next	next	ADJ
fsr-3469	395	88	page	page	NOUN
fsr-3469	395	89	)	)	PUNCT
fsr-3469	395	90	18	18	NUM
fsr-3469	395	91	a.	a.	NOUN
fsr-3469	395	92	murguı́a	murguı́a	NOUN
fsr-3469	395	93	and	and	CCONJ
fsr-3469	395	94	w.	w.	NOUN
fsr-3469	395	95	pfau	pfau	PROPN
fsr-3469	395	96	/	/	SYM
fsr-3469	395	97	financial	financial	ADJ
fsr-3469	395	98	services	service	NOUN
fsr-3469	395	99	review	review	VERB
fsr-3469	395	100	30	30	NUM
fsr-3469	395	101	(	(	PUNCT
fsr-3469	395	102	2022	2022	NUM
fsr-3469	395	103	)	)	PUNCT
fsr-3469	396	1	1–29	1–29	PROPN
fsr-3469	396	2	4.3.3	4.3.3	NUM
fsr-3469	396	3	.	.	PUNCT
fsr-3469	396	4	retirement	retirement	NOUN
fsr-3469	396	5	outlook	outlook	NOUN
fsr-3469	396	6	table	table	NOUN
fsr-3469	396	7	7	7	NUM
fsr-3469	396	8	indicates	indicate	VERB
fsr-3469	396	9	the	the	DET
fsr-3469	396	10	characteristics	characteristic	NOUN
fsr-3469	396	11	associated	associate	VERB
fsr-3469	396	12	with	with	ADP
fsr-3469	396	13	the	the	DET
fsr-3469	396	14	degree	degree	NOUN
fsr-3469	396	15	to	to	PART
fsr-3469	396	16	which	which	PRON
fsr-3469	396	17	participants	participant	NOUN
fsr-3469	396	18	felt	feel	VERB
fsr-3469	396	19	that	that	SCONJ
fsr-3469	396	20	their	their	PRON
fsr-3469	396	21	retirement	retirement	NOUN
fsr-3469	396	22	nest	nest	NOUN
fsr-3469	396	23	eggs	egg	NOUN
fsr-3469	396	24	were	be	AUX
fsr-3469	396	25	on	on	ADP
fsr-3469	396	26	track	track	NOUN
fsr-3469	396	27	with	with	ADP
fsr-3469	396	28	their	their	PRON
fsr-3469	396	29	expectations	expectation	NOUN
fsr-3469	396	30	and	and	CCONJ
fsr-3469	396	31	whether	whether	SCONJ
fsr-3469	396	32	they	they	PRON
fsr-3469	396	33	felt	feel	VERB
fsr-3469	396	34	anxious	anxious	ADJ
fsr-3469	396	35	about	about	ADP
fsr-3469	396	36	their	their	PRON
fsr-3469	396	37	retirement	retirement	NOUN
fsr-3469	396	38	income	income	NOUN
fsr-3469	396	39	strategy	strategy	NOUN
fsr-3469	396	40	.	.	PUNCT
fsr-3469	397	1	ordinary	ordinary	ADJ
fsr-3469	397	2	least	least	ADJ
fsr-3469	397	3	squares	square	NOUN
fsr-3469	397	4	regressions	regression	NOUN
fsr-3469	397	5	with	with	ADP
fsr-3469	397	6	standardized	standardized	ADJ
fsr-3469	397	7	coefficients	coefficient	NOUN
fsr-3469	397	8	are	be	AUX
fsr-3469	397	9	used	use	VERB
fsr-3469	397	10	to	to	PART
fsr-3469	397	11	assess	assess	VERB
fsr-3469	397	12	these	these	DET
fsr-3469	397	13	independent	independent	ADJ
fsr-3469	397	14	variables	variable	NOUN
fsr-3469	397	15	with	with	ADP
fsr-3469	397	16	our	our	PRON
fsr-3469	397	17	newly	newly	ADV
fsr-3469	397	18	created	create	VERB
fsr-3469	397	19	scales	scale	NOUN
fsr-3469	397	20	and	and	CCONJ
fsr-3469	397	21	participant	participant	ADJ
fsr-3469	397	22	demographic	demographic	ADJ
fsr-3469	397	23	variables	variable	NOUN
fsr-3469	397	24	,	,	PUNCT
fsr-3469	397	25	which	which	PRON
fsr-3469	397	26	include	include	VERB
fsr-3469	397	27	gender	gender	NOUN
fsr-3469	397	28	,	,	PUNCT
fsr-3469	397	29	marital	marital	ADJ
fsr-3469	397	30	status	status	NOUN
fsr-3469	397	31	,	,	PUNCT
fsr-3469	397	32	age	age	NOUN
fsr-3469	397	33	,	,	PUNCT
fsr-3469	397	34	and	and	CCONJ
fsr-3469	397	35	net	net	ADJ
fsr-3469	397	36	worth	worth	NOUN
fsr-3469	397	37	.	.	PUNCT
fsr-3469	398	1	we	we	PRON
fsr-3469	398	2	find	find	VERB
fsr-3469	398	3	a	a	DET
fsr-3469	398	4	significant	significant	ADJ
fsr-3469	398	5	relationship	relationship	NOUN
fsr-3469	398	6	with	with	ADP
fsr-3469	398	7	retirement	retirement	NOUN
fsr-3469	398	8	income	income	NOUN
fsr-3469	398	9	self	self	NOUN
fsr-3469	398	10	-	-	PUNCT
fsr-3469	398	11	efficacy	efficacy	NOUN
fsr-3469	398	12	(	(	PUNCT
fsr-3469	398	13	estimate	estimate	NOUN
fsr-3469	398	14	=	=	NOUN
fsr-3469	398	15	0.37	0.37	NUM
fsr-3469	398	16	,	,	PUNCT
fsr-3469	398	17	p	p	X
fsr-3469	398	18	<	<	X
fsr-3469	398	19	.0001	.0001	NOUN
fsr-3469	398	20	)	)	PUNCT
fsr-3469	398	21	and	and	CCONJ
fsr-3469	398	22	net	net	ADJ
fsr-3469	398	23	worth	worth	NOUN
fsr-3469	398	24	(	(	PUNCT
fsr-3469	398	25	estimate	estimate	NOUN
fsr-3469	398	26	=	=	SYM
fsr-3469	398	27	0.17	0.17	NUM
fsr-3469	398	28	,	,	PUNCT
fsr-3469	398	29	p	p	X
fsr-3469	398	30	<	<	X
fsr-3469	398	31	.0001	.0001	NOUN
fsr-3469	398	32	)	)	PUNCT
fsr-3469	398	33	with	with	ADP
fsr-3469	398	34	nest	nest	NOUN
fsr-3469	398	35	egg	egg	NOUN
fsr-3469	398	36	satisfaction	satisfaction	NOUN
fsr-3469	398	37	.	.	PUNCT
fsr-3469	399	1	the	the	DET
fsr-3469	399	2	results	result	NOUN
fsr-3469	399	3	point	point	VERB
fsr-3469	399	4	out	out	ADP
fsr-3469	399	5	the	the	DET
fsr-3469	399	6	importance	importance	NOUN
fsr-3469	399	7	of	of	ADP
fsr-3469	399	8	self	self	NOUN
fsr-3469	399	9	-	-	PUNCT
fsr-3469	399	10	efficacy	efficacy	NOUN
fsr-3469	399	11	over	over	ADP
fsr-3469	399	12	other	other	ADJ
fsr-3469	399	13	psychological	psychological	ADJ
fsr-3469	399	14	constructs	construct	NOUN
fsr-3469	399	15	relating	relate	VERB
fsr-3469	399	16	to	to	ADP
fsr-3469	399	17	a	a	DET
fsr-3469	399	18	proxy	proxy	NOUN
fsr-3469	399	19	for	for	ADP
fsr-3469	399	20	retirement	retirement	NOUN
fsr-3469	399	21	satisfaction	satisfaction	NOUN
fsr-3469	399	22	.	.	PUNCT
fsr-3469	400	1	moreover	moreover	ADV
fsr-3469	400	2	,	,	PUNCT
fsr-3469	400	3	while	while	SCONJ
fsr-3469	400	4	net	net	ADJ
fsr-3469	400	5	worth	worth	NOUN
fsr-3469	400	6	is	be	AUX
fsr-3469	400	7	a	a	DET
fsr-3469	400	8	significant	significant	ADJ
fsr-3469	400	9	indicator	indicator	NOUN
fsr-3469	400	10	,	,	PUNCT
fsr-3469	400	11	self	self	NOUN
fsr-3469	400	12	-	-	PUNCT
fsr-3469	400	13	efficacy	efficacy	NOUN
fsr-3469	400	14	is	be	AUX
fsr-3469	400	15	more	more	ADV
fsr-3469	400	16	influential	influential	ADJ
fsr-3469	400	17	(	(	PUNCT
fsr-3469	400	18	estimates	estimate	NOUN
fsr-3469	400	19	=	=	PUNCT
fsr-3469	400	20	0.37	0.37	NUM
fsr-3469	400	21	vs.	vs.	ADP
fsr-3469	400	22	0.17	0.17	NUM
fsr-3469	400	23	)	)	PUNCT
fsr-3469	400	24	.	.	PUNCT
fsr-3469	401	1	with	with	ADP
fsr-3469	401	2	regard	regard	NOUN
fsr-3469	401	3	to	to	ADP
fsr-3469	401	4	retirement	retirement	NOUN
fsr-3469	401	5	anxiousness	anxiousness	NOUN
fsr-3469	401	6	,	,	PUNCT
fsr-3469	401	7	retirement	retirement	NOUN
fsr-3469	401	8	income	income	NOUN
fsr-3469	401	9	self	self	NOUN
fsr-3469	401	10	-	-	PUNCT
fsr-3469	401	11	efficacy	efficacy	NOUN
fsr-3469	401	12	(	(	PUNCT
fsr-3469	401	13	estimate	estimate	VERB
fsr-3469	401	14	=	=	SYM
fsr-3469	401	15	�	�	PROPN
fsr-3469	401	16	0.29	0.29	NUM
fsr-3469	401	17	,	,	PUNCT
fsr-3469	401	18	p	p	X
fsr-3469	401	19	<	<	X
fsr-3469	401	20	.0001	.0001	NOUN
fsr-3469	401	21	)	)	PUNCT
fsr-3469	401	22	,	,	PUNCT
fsr-3469	401	23	levels	level	NOUN
fsr-3469	401	24	of	of	ADP
fsr-3469	401	25	financial	financial	ADJ
fsr-3469	401	26	biases	bias	NOUN
fsr-3469	401	27	(	(	PUNCT
fsr-3469	401	28	estimate	estimate	NOUN
fsr-3469	401	29	=	=	SYM
fsr-3469	401	30	0.20	0.20	NUM
fsr-3469	401	31	,	,	PUNCT
fsr-3469	401	32	p	p	X
fsr-3469	401	33	<	<	X
fsr-3469	401	34	.0001	.0001	NOUN
fsr-3469	401	35	)	)	PUNCT
fsr-3469	401	36	,	,	PUNCT
fsr-3469	401	37	age	age	NOUN
fsr-3469	401	38	(	(	PUNCT
fsr-3469	401	39	estimate	estimate	NOUN
fsr-3469	401	40	=	=	SYM
fsr-3469	401	41	�	�	PROPN
fsr-3469	401	42	0.17	0.17	NUM
fsr-3469	401	43	,	,	PUNCT
fsr-3469	401	44	p	p	X
fsr-3469	401	45	<	<	X
fsr-3469	401	46	.0001	.0001	NOUN
fsr-3469	401	47	)	)	PUNCT
fsr-3469	401	48	,	,	PUNCT
fsr-3469	401	49	and	and	CCONJ
fsr-3469	401	50	inertia	inertia	NOUN
fsr-3469	401	51	(	(	PUNCT
fsr-3469	401	52	estimate	estimate	NOUN
fsr-3469	401	53	=	=	SYM
fsr-3469	401	54	0.09	0.09	NUM
fsr-3469	401	55	,	,	PUNCT
fsr-3469	401	56	p	p	X
fsr-3469	401	57	<	<	X
fsr-3469	401	58	.02	.02	NUM
fsr-3469	401	59	)	)	PUNCT
fsr-3469	401	60	are	be	AUX
fsr-3469	401	61	significant	significant	ADJ
fsr-3469	401	62	contributors	contributor	NOUN
fsr-3469	401	63	.	.	PUNCT
fsr-3469	402	1	while	while	SCONJ
fsr-3469	402	2	self	self	NOUN
fsr-3469	402	3	-	-	PUNCT
fsr-3469	402	4	efficacy	efficacy	NOUN
fsr-3469	402	5	is	be	AUX
fsr-3469	402	6	in	in	ADP
fsr-3469	402	7	the	the	DET
fsr-3469	402	8	expected	expect	VERB
fsr-3469	402	9	opposite	opposite	ADJ
fsr-3469	402	10	direction	direction	NOUN
fsr-3469	402	11	than	than	ADP
fsr-3469	402	12	its	its	PRON
fsr-3469	402	13	relationship	relationship	NOUN
fsr-3469	402	14	to	to	PART
fsr-3469	402	15	nest	nest	VERB
fsr-3469	402	16	egg	egg	NOUN
fsr-3469	402	17	satisfaction	satisfaction	NOUN
fsr-3469	402	18	,	,	PUNCT
fsr-3469	402	19	it	it	PRON
fsr-3469	402	20	is	be	AUX
fsr-3469	402	21	again	again	ADV
fsr-3469	402	22	the	the	DET
fsr-3469	402	23	largest	large	ADJ
fsr-3469	402	24	contributor	contributor	NOUN
fsr-3469	402	25	in	in	ADP
fsr-3469	402	26	the	the	DET
fsr-3469	402	27	model	model	NOUN
fsr-3469	402	28	.	.	PUNCT
fsr-3469	403	1	lower	low	ADJ
fsr-3469	403	2	self	self	NOUN
fsr-3469	403	3	-	-	PUNCT
fsr-3469	403	4	efficacy	efficacy	NOUN
fsr-3469	403	5	suggests	suggest	VERB
fsr-3469	403	6	a	a	DET
fsr-3469	403	7	greater	great	ADJ
fsr-3469	403	8	the	the	DET
fsr-3469	403	9	level	level	NOUN
fsr-3469	403	10	of	of	ADP
fsr-3469	403	11	retirement	retirement	NOUN
fsr-3469	403	12	anxiousness	anxiousness	NOUN
fsr-3469	403	13	while	while	SCONJ
fsr-3469	403	14	holding	hold	VERB
fsr-3469	403	15	all	all	DET
fsr-3469	403	16	other	other	ADJ
fsr-3469	403	17	variables	variable	NOUN
fsr-3469	403	18	constant	constant	ADJ
fsr-3469	403	19	.	.	PUNCT
fsr-3469	404	1	results	result	NOUN
fsr-3469	404	2	also	also	ADV
fsr-3469	404	3	indicate	indicate	VERB
fsr-3469	404	4	that	that	SCONJ
fsr-3469	404	5	a	a	DET
fsr-3469	404	6	greater	great	ADJ
fsr-3469	404	7	susceptibility	susceptibility	NOUN
fsr-3469	404	8	to	to	ADP
fsr-3469	404	9	financial	financial	ADJ
fsr-3469	404	10	heuristics	heuristic	NOUN
fsr-3469	404	11	may	may	AUX
fsr-3469	404	12	lead	lead	VERB
fsr-3469	404	13	to	to	ADP
fsr-3469	404	14	more	more	ADJ
fsr-3469	404	15	anxiety	anxiety	NOUN
fsr-3469	404	16	regarding	regard	VERB
fsr-3469	404	17	one	one	NUM
fsr-3469	404	18	’s	’s	PART
fsr-3469	404	19	retirement	retirement	NOUN
fsr-3469	404	20	income	income	NOUN
fsr-3469	404	21	success	success	NOUN
fsr-3469	404	22	.	.	PUNCT
fsr-3469	405	1	additionally	additionally	ADV
fsr-3469	405	2	,	,	PUNCT
fsr-3469	405	3	an	an	DET
fsr-3469	405	4	inability	inability	NOUN
fsr-3469	405	5	to	to	PART
fsr-3469	405	6	execute	execute	VERB
fsr-3469	405	7	financial	financial	ADJ
fsr-3469	405	8	tasks	task	NOUN
fsr-3469	405	9	in	in	ADP
fsr-3469	405	10	a	a	DET
fsr-3469	405	11	timely	timely	ADJ
fsr-3469	405	12	manner	manner	NOUN
fsr-3469	405	13	also	also	ADV
fsr-3469	405	14	leads	lead	VERB
fsr-3469	405	15	to	to	ADP
fsr-3469	405	16	greater	great	ADJ
fsr-3469	405	17	levels	level	NOUN
fsr-3469	405	18	of	of	ADP
fsr-3469	405	19	retirement	retirement	NOUN
fsr-3469	405	20	anxiousness	anxiousness	NOUN
fsr-3469	405	21	.	.	PUNCT
fsr-3469	406	1	although	although	SCONJ
fsr-3469	406	2	net	net	ADJ
fsr-3469	406	3	worth	worth	NOUN
fsr-3469	406	4	is	be	AUX
fsr-3469	406	5	related	relate	VERB
fsr-3469	406	6	to	to	PART
fsr-3469	406	7	nest	nest	VERB
fsr-3469	406	8	egg	egg	NOUN
fsr-3469	406	9	satisfaction	satisfaction	NOUN
fsr-3469	406	10	,	,	PUNCT
fsr-3469	406	11	it	it	PRON
fsr-3469	406	12	is	be	AUX
fsr-3469	406	13	not	not	PART
fsr-3469	406	14	significantly	significantly	ADV
fsr-3469	406	15	related	relate	VERB
fsr-3469	406	16	to	to	ADP
fsr-3469	406	17	retirement	retirement	NOUN
fsr-3469	406	18	anxiousness	anxiousness	NOUN
fsr-3469	406	19	.	.	PUNCT
fsr-3469	407	1	age	age	NOUN
fsr-3469	407	2	is	be	AUX
fsr-3469	407	3	the	the	DET
fsr-3469	407	4	only	only	ADJ
fsr-3469	407	5	significant	significant	ADJ
fsr-3469	407	6	demographic	demographic	ADJ
fsr-3469	407	7	variable	variable	NOUN
fsr-3469	407	8	.	.	PUNCT
fsr-3469	408	1	our	our	PRON
fsr-3469	408	2	younger	young	ADJ
fsr-3469	408	3	age	age	NOUN
fsr-3469	408	4	cohorts	cohort	NOUN
fsr-3469	408	5	,	,	PUNCT
fsr-3469	408	6	largely	largely	ADV
fsr-3469	408	7	consisting	consist	VERB
fsr-3469	408	8	of	of	ADP
fsr-3469	408	9	40to	40to	NOUN
fsr-3469	408	10	late	late	ADJ
fsr-3469	408	11	50	50	NUM
fsr-3469	408	12	-	-	PUNCT
fsr-3469	408	13	year	year	NOUN
fsr-3469	408	14	-	-	PUNCT
fsr-3469	408	15	olds	old	NOUN
fsr-3469	408	16	exhibited	exhibit	VERB
fsr-3469	408	17	more	more	ADJ
fsr-3469	408	18	anxiety	anxiety	NOUN
fsr-3469	408	19	about	about	ADP
fsr-3469	408	20	their	their	PRON
fsr-3469	408	21	retirement	retirement	NOUN
fsr-3469	408	22	income	income	NOUN
fsr-3469	408	23	strategy	strategy	NOUN
fsr-3469	408	24	than	than	ADP
fsr-3469	408	25	those	those	PRON
fsr-3469	408	26	who	who	PRON
fsr-3469	408	27	are	be	AUX
fsr-3469	408	28	already	already	ADV
fsr-3469	408	29	near	near	ADP
fsr-3469	408	30	or	or	CCONJ
fsr-3469	408	31	into	into	ADP
fsr-3469	408	32	their	their	PRON
fsr-3469	408	33	retirement	retirement	NOUN
fsr-3469	408	34	.	.	PUNCT
fsr-3469	409	1	these	these	DET
fsr-3469	409	2	results	result	NOUN
fsr-3469	409	3	continue	continue	VERB
fsr-3469	409	4	to	to	PART
fsr-3469	409	5	provide	provide	VERB
fsr-3469	409	6	support	support	NOUN
fsr-3469	409	7	for	for	ADP
fsr-3469	409	8	the	the	DET
fsr-3469	409	9	validity	validity	NOUN
fsr-3469	409	10	of	of	ADP
fsr-3469	409	11	our	our	PRON
fsr-3469	409	12	scales	scale	NOUN
fsr-3469	409	13	and	and	CCONJ
fsr-3469	409	14	their	their	PRON
fsr-3469	409	15	impact	impact	NOUN
fsr-3469	409	16	on	on	ADP
fsr-3469	409	17	retirement	retirement	NOUN
fsr-3469	409	18	income	income	NOUN
fsr-3469	409	19	outlooks	outlook	NOUN
fsr-3469	409	20	.	.	PUNCT
fsr-3469	410	1	results	result	NOUN
fsr-3469	410	2	also	also	ADV
fsr-3469	410	3	indicate	indicate	VERB
fsr-3469	410	4	when	when	SCONJ
fsr-3469	410	5	controlling	control	VERB
fsr-3469	410	6	for	for	ADP
fsr-3469	410	7	demographic	demographic	ADJ
fsr-3469	410	8	variables	variable	NOUN
fsr-3469	410	9	,	,	PUNCT
fsr-3469	410	10	these	these	DET
fsr-3469	410	11	psychological	psychological	ADJ
fsr-3469	410	12	constructs	construct	NOUN
fsr-3469	410	13	continue	continue	VERB
fsr-3469	410	14	to	to	PART
fsr-3469	410	15	exert	exert	VERB
fsr-3469	410	16	a	a	DET
fsr-3469	410	17	significant	significant	ADJ
fsr-3469	410	18	influence	influence	NOUN
fsr-3469	410	19	on	on	ADP
fsr-3469	410	20	one	one	NUM
fsr-3469	410	21	’s	’s	PART
fsr-3469	410	22	retirement	retirement	NOUN
fsr-3469	410	23	outlook	outlook	NOUN
fsr-3469	410	24	.	.	PUNCT
fsr-3469	411	1	retirement	retirement	NOUN
fsr-3469	411	2	income	income	NOUN
fsr-3469	411	3	self	self	NOUN
fsr-3469	411	4	-	-	PUNCT
fsr-3469	411	5	efficacy	efficacy	NOUN
fsr-3469	411	6	is	be	AUX
fsr-3469	411	7	the	the	DET
fsr-3469	411	8	only	only	ADJ
fsr-3469	411	9	variable	variable	NOUN
fsr-3469	411	10	that	that	PRON
fsr-3469	411	11	significantly	significantly	ADV
fsr-3469	411	12	relates	relate	VERB
fsr-3469	411	13	to	to	ADP
fsr-3469	411	14	both	both	CCONJ
fsr-3469	411	15	nest	nest	NOUN
fsr-3469	411	16	egg	egg	NOUN
fsr-3469	411	17	satisfaction	satisfaction	NOUN
fsr-3469	411	18	and	and	CCONJ
fsr-3469	411	19	retirement	retirement	NOUN
fsr-3469	411	20	income	income	NOUN
fsr-3469	411	21	strategy	strategy	NOUN
fsr-3469	411	22	anxiousness	anxiousness	NOUN
fsr-3469	411	23	.	.	PUNCT
fsr-3469	412	1	maladaptive	maladaptive	ADJ
fsr-3469	412	2	investment	investment	NOUN
fsr-3469	412	3	behaviors	behavior	NOUN
fsr-3469	412	4	such	such	ADJ
fsr-3469	412	5	as	as	ADP
fsr-3469	412	6	increased	increase	VERB
fsr-3469	412	7	financial	financial	ADJ
fsr-3469	412	8	biases	bias	NOUN
fsr-3469	412	9	and	and	CCONJ
fsr-3469	412	10	inertia	inertia	NOUN
fsr-3469	412	11	also	also	ADV
fsr-3469	412	12	relate	relate	VERB
fsr-3469	412	13	to	to	ADP
fsr-3469	412	14	increased	increase	VERB
fsr-3469	412	15	table	table	NOUN
fsr-3469	412	16	7	7	NUM
fsr-3469	412	17	(	(	PUNCT
fsr-3469	412	18	continued	continued	ADJ
fsr-3469	412	19	)	)	PUNCT
fsr-3469	412	20	nest	nest	NOUN
fsr-3469	412	21	egg	egg	NOUN
fsr-3469	412	22	satisfaction	satisfaction	PROPN
fsr-3469	412	23	retirement	retirement	PROPN
fsr-3469	412	24	income	income	NOUN
fsr-3469	412	25	strategy	strategy	NOUN
fsr-3469	412	26	anxiousness	anxiousness	NOUN
fsr-3469	412	27	net	net	ADJ
fsr-3469	412	28	worth	worth	NOUN
fsr-3469	412	29	estimate	estimate	VERB
fsr-3469	412	30	0.17	0.17	NUM
fsr-3469	412	31	0.00	0.00	NUM
fsr-3469	412	32	standard	standard	ADJ
fsr-3469	412	33	error	error	NOUN
fsr-3469	412	34	0.04	0.04	NUM
fsr-3469	412	35	0.04	0.04	NUM
fsr-3469	412	36	probability	probability	NOUN
fsr-3469	412	37	*	*	PUNCT
fsr-3469	412	38	*	*	PUNCT
fsr-3469	412	39	*	*	PUNCT
fsr-3469	412	40	*	*	PUNCT
fsr-3469	412	41	0.90	0.90	NUM
fsr-3469	412	42	gender	gender	NOUN
fsr-3469	412	43	.	.	PUNCT
fsr-3469	413	1	female	female	NOUN
fsr-3469	413	2	is	be	AUX
fsr-3469	413	3	the	the	DET
fsr-3469	413	4	reference	reference	NOUN
fsr-3469	413	5	variable	variable	ADJ
fsr-3469	413	6	marital	marital	ADJ
fsr-3469	413	7	status	status	NOUN
fsr-3469	413	8	.	.	PUNCT
fsr-3469	414	1	married	married	ADJ
fsr-3469	414	2	is	be	AUX
fsr-3469	414	3	the	the	DET
fsr-3469	414	4	reference	reference	NOUN
fsr-3469	414	5	variable	variable	NOUN
fsr-3469	414	6	*	*	PUNCT
fsr-3469	414	7	p	p	X
fsr-3469	414	8	=	=	X
fsr-3469	414	9	<	<	X
fsr-3469	414	10	0.05	0.05	NUM
fsr-3469	414	11	*	*	PUNCT
fsr-3469	414	12	*	*	PUNCT
fsr-3469	414	13	p	p	X
fsr-3469	414	14	=	=	X
fsr-3469	414	15	<	<	X
fsr-3469	414	16	0.01	0.01	NUM
fsr-3469	414	17	*	*	PUNCT
fsr-3469	414	18	*	*	PUNCT
fsr-3469	414	19	*	*	PUNCT
fsr-3469	414	20	p	p	X
fsr-3469	414	21	=	=	X
fsr-3469	414	22	<	<	X
fsr-3469	414	23	0.001	0.001	NUM
fsr-3469	414	24	*	*	PUNCT
fsr-3469	414	25	*	*	PUNCT
fsr-3469	414	26	*	*	PUNCT
fsr-3469	414	27	*	*	PUNCT
fsr-3469	414	28	p	p	X
fsr-3469	414	29	=	=	X
fsr-3469	414	30	<	<	X
fsr-3469	414	31	0.0001	0.0001	NUM
fsr-3469	414	32	a.	a.	NOUN
fsr-3469	414	33	murgua	murgua	PROPN
fsr-3469	414	34	and	and	CCONJ
fsr-3469	414	35	w.	w.	PROPN
fsr-3469	414	36	pfau	pfau	PROPN
fsr-3469	414	37	/	/	SYM
fsr-3469	414	38	financial	financial	ADJ
fsr-3469	414	39	services	service	NOUN
fsr-3469	414	40	review	review	VERB
fsr-3469	414	41	30	30	NUM
fsr-3469	414	42	(	(	PUNCT
fsr-3469	414	43	2022	2022	NUM
fsr-3469	414	44	)	)	PUNCT
fsr-3469	414	45	1–29	1–29	PROPN
fsr-3469	414	46	19	19	NUM
fsr-3469	414	47	levels	level	NOUN
fsr-3469	414	48	of	of	ADP
fsr-3469	414	49	retirement	retirement	NOUN
fsr-3469	414	50	income	income	NOUN
fsr-3469	414	51	anxiousness	anxiousness	NOUN
fsr-3469	414	52	.	.	PUNCT
fsr-3469	415	1	while	while	SCONJ
fsr-3469	415	2	numeracy	numeracy	NOUN
fsr-3469	415	3	,	,	PUNCT
fsr-3469	415	4	numeracy	numeracy	NOUN
fsr-3469	415	5	awareness	awareness	NOUN
fsr-3469	415	6	,	,	PUNCT
fsr-3469	415	7	portfolio	portfolio	NOUN
fsr-3469	415	8	loss	loss	NOUN
fsr-3469	415	9	aversion	aversion	NOUN
fsr-3469	415	10	tolerance	tolerance	NOUN
fsr-3469	415	11	,	,	PUNCT
fsr-3469	415	12	and	and	CCONJ
fsr-3469	415	13	perceived	perceive	VERB
fsr-3469	415	14	advisor	advisor	NOUN
fsr-3469	415	15	usefulness	usefulness	NOUN
fsr-3469	415	16	are	be	AUX
fsr-3469	415	17	associated	associate	VERB
fsr-3469	415	18	with	with	ADP
fsr-3469	415	19	various	various	ADJ
fsr-3469	415	20	investment	investment	NOUN
fsr-3469	415	21	behaviors	behavior	NOUN
fsr-3469	415	22	and	and	CCONJ
fsr-3469	415	23	retirement	retirement	NOUN
fsr-3469	415	24	risks	risk	NOUN
fsr-3469	415	25	,	,	PUNCT
fsr-3469	415	26	these	these	DET
fsr-3469	415	27	associations	association	NOUN
fsr-3469	415	28	do	do	AUX
fsr-3469	415	29	not	not	PART
fsr-3469	415	30	manifest	manifest	VERB
fsr-3469	415	31	when	when	SCONJ
fsr-3469	415	32	assessing	assess	VERB
fsr-3469	415	33	retirement	retirement	NOUN
fsr-3469	415	34	income	income	NOUN
fsr-3469	415	35	outlooks	outlook	NOUN
fsr-3469	415	36	at	at	ADP
fsr-3469	415	37	the	the	DET
fsr-3469	415	38	multivariate	multivariate	NOUN
fsr-3469	415	39	level	level	NOUN
fsr-3469	415	40	.	.	PUNCT
fsr-3469	416	1	4.3.4	4.3.4	X
fsr-3469	416	2	.	.	PUNCT
fsr-3469	417	1	financial	financial	ADJ
fsr-3469	417	2	implementation	implementation	NOUN
fsr-3469	417	3	style	style	NOUN
fsr-3469	417	4	while	while	SCONJ
fsr-3469	417	5	we	we	PRON
fsr-3469	417	6	have	have	AUX
fsr-3469	417	7	assessed	assess	VERB
fsr-3469	417	8	how	how	SCONJ
fsr-3469	417	9	behavioral	behavioral	ADJ
fsr-3469	417	10	finance	finance	NOUN
fsr-3469	417	11	and	and	CCONJ
fsr-3469	417	12	psychological	psychological	ADJ
fsr-3469	417	13	factors	factor	NOUN
fsr-3469	417	14	affect	affect	VERB
fsr-3469	417	15	retirement	retirement	NOUN
fsr-3469	417	16	income	income	NOUN
fsr-3469	417	17	beliefs	belief	NOUN
fsr-3469	417	18	,	,	PUNCT
fsr-3469	417	19	investment	investment	NOUN
fsr-3469	417	20	behaviors	behavior	NOUN
fsr-3469	417	21	,	,	PUNCT
fsr-3469	417	22	and	and	CCONJ
fsr-3469	417	23	retirement	retirement	NOUN
fsr-3469	417	24	outlook	outlook	NOUN
fsr-3469	417	25	,	,	PUNCT
fsr-3469	417	26	we	we	PRON
fsr-3469	417	27	want	want	VERB
fsr-3469	417	28	to	to	PART
fsr-3469	417	29	further	far	ADV
fsr-3469	417	30	analyze	analyze	VERB
fsr-3469	417	31	their	their	PRON
fsr-3469	417	32	potential	potential	ADJ
fsr-3469	417	33	influence	influence	NOUN
fsr-3469	417	34	on	on	ADP
fsr-3469	417	35	financial	financial	ADJ
fsr-3469	417	36	implementation	implementation	NOUN
fsr-3469	417	37	methods	method	NOUN
fsr-3469	417	38	.	.	PUNCT
fsr-3469	418	1	we	we	PRON
fsr-3469	418	2	utilize	utilize	VERB
fsr-3469	418	3	logistic	logistic	ADJ
fsr-3469	418	4	regression	regression	NOUN
fsr-3469	418	5	to	to	PART
fsr-3469	418	6	examine	examine	VERB
fsr-3469	418	7	the	the	DET
fsr-3469	418	8	degree	degree	NOUN
fsr-3469	418	9	of	of	ADP
fsr-3469	418	10	influence	influence	NOUN
fsr-3469	418	11	of	of	ADP
fsr-3469	418	12	our	our	PRON
fsr-3469	418	13	behavioral	behavioral	ADJ
fsr-3469	418	14	finance	finance	NOUN
fsr-3469	418	15	and	and	CCONJ
fsr-3469	418	16	psychological	psychological	ADJ
fsr-3469	418	17	factors	factor	NOUN
fsr-3469	418	18	on	on	ADP
fsr-3469	418	19	whether	whether	SCONJ
fsr-3469	418	20	participants	participant	NOUN
fsr-3469	418	21	are	be	AUX
fsr-3469	418	22	currently	currently	ADV
fsr-3469	418	23	in	in	ADP
fsr-3469	418	24	a	a	DET
fsr-3469	418	25	financial	financial	ADJ
fsr-3469	418	26	advisory	advisory	ADJ
fsr-3469	418	27	relationship	relationship	NOUN
fsr-3469	418	28	.	.	PUNCT
fsr-3469	419	1	results	result	NOUN
fsr-3469	419	2	in	in	ADP
fsr-3469	419	3	table	table	NOUN
fsr-3469	419	4	8	8	NUM
fsr-3469	419	5	indicate	indicate	VERB
fsr-3469	419	6	that	that	SCONJ
fsr-3469	419	7	perceived	perceive	VERB
fsr-3469	419	8	advisor	advisor	NOUN
fsr-3469	419	9	usefulness	usefulness	NOUN
fsr-3469	419	10	(	(	PUNCT
fsr-3469	419	11	estimate	estimate	NOUN
fsr-3469	419	12	=	=	SYM
fsr-3469	419	13	0.99	0.99	NUM
fsr-3469	419	14	,	,	PUNCT
fsr-3469	419	15	odds	odd	NOUN
fsr-3469	419	16	ratio	ratio	NOUN
fsr-3469	419	17	[	[	X
fsr-3469	419	18	or	or	CCONJ
fsr-3469	419	19	]	]	PUNCT
fsr-3469	419	20	=	=	PUNCT
fsr-3469	419	21	2.72	2.72	NUM
fsr-3469	419	22	,	,	PUNCT
fsr-3469	419	23	p	p	X
fsr-3469	419	24	<	<	X
fsr-3469	419	25	.0001	.0001	X
fsr-3469	419	26	)	)	PUNCT
fsr-3469	419	27	is	be	AUX
fsr-3469	419	28	the	the	DET
fsr-3469	419	29	only	only	ADJ
fsr-3469	419	30	significant	significant	ADJ
fsr-3469	419	31	predictor	predictor	NOUN
fsr-3469	419	32	variable	variable	NOUN
fsr-3469	419	33	in	in	ADP
fsr-3469	419	34	the	the	DET
fsr-3469	419	35	model	model	NOUN
fsr-3469	419	36	.	.	PUNCT
fsr-3469	420	1	holding	hold	VERB
fsr-3469	420	2	all	all	DET
fsr-3469	420	3	other	other	ADJ
fsr-3469	420	4	variables	variable	NOUN
fsr-3469	420	5	constant	constant	ADJ
fsr-3469	420	6	,	,	PUNCT
fsr-3469	420	7	for	for	ADP
fsr-3469	420	8	every	every	DET
fsr-3469	420	9	unit	unit	NOUN
fsr-3469	420	10	increase	increase	NOUN
fsr-3469	420	11	in	in	ADP
fsr-3469	420	12	our	our	PRON
fsr-3469	420	13	perceived	perceive	VERB
fsr-3469	420	14	advisor	advisor	NOUN
fsr-3469	420	15	usefulness	usefulness	NOUN
fsr-3469	420	16	scale	scale	NOUN
fsr-3469	420	17	,	,	PUNCT
fsr-3469	420	18	the	the	DET
fsr-3469	420	19	odds	odd	NOUN
fsr-3469	420	20	of	of	ADP
fsr-3469	420	21	being	be	AUX
fsr-3469	420	22	in	in	ADP
fsr-3469	420	23	an	an	DET
fsr-3469	420	24	advisory	advisory	ADJ
fsr-3469	420	25	relationship	relationship	NOUN
fsr-3469	420	26	increase	increase	NOUN
fsr-3469	420	27	by	by	ADP
fsr-3469	420	28	a	a	DET
fsr-3469	420	29	factor	factor	NOUN
fsr-3469	420	30	of	of	ADP
fsr-3469	420	31	2.72	2.72	NUM
fsr-3469	420	32	times	time	NOUN
fsr-3469	420	33	.	.	PUNCT
fsr-3469	421	1	results	result	NOUN
fsr-3469	421	2	provide	provide	VERB
fsr-3469	421	3	strong	strong	ADJ
fsr-3469	421	4	support	support	NOUN
fsr-3469	421	5	for	for	ADP
fsr-3469	421	6	perceived	perceive	VERB
fsr-3469	421	7	advisor	advisor	NOUN
fsr-3469	421	8	usefulness	usefulness	NOUN
fsr-3469	421	9	as	as	ADP
fsr-3469	421	10	the	the	DET
fsr-3469	421	11	key	key	ADJ
fsr-3469	421	12	indicator	indicator	NOUN
fsr-3469	421	13	of	of	ADP
fsr-3469	421	14	advisor	advisor	NOUN
fsr-3469	421	15	utilization	utilization	NOUN
fsr-3469	421	16	.	.	PUNCT
fsr-3469	422	1	a	a	DET
fsr-3469	422	2	higher	high	ADJ
fsr-3469	422	3	perceived	perceive	VERB
fsr-3469	422	4	usefulness	usefulness	NOUN
fsr-3469	422	5	of	of	ADP
fsr-3469	422	6	an	an	DET
fsr-3469	422	7	advisor	advisor	NOUN
fsr-3469	422	8	means	mean	VERB
fsr-3469	422	9	that	that	SCONJ
fsr-3469	422	10	one	one	PRON
fsr-3469	422	11	is	be	AUX
fsr-3469	422	12	more	more	ADV
fsr-3469	422	13	likely	likely	ADJ
fsr-3469	422	14	to	to	PART
fsr-3469	422	15	engage	engage	VERB
fsr-3469	422	16	in	in	ADP
fsr-3469	422	17	such	such	DET
fsr-3469	422	18	a	a	DET
fsr-3469	422	19	relationship	relationship	NOUN
fsr-3469	422	20	.	.	PUNCT
fsr-3469	423	1	the	the	DET
fsr-3469	423	2	perceived	perceive	VERB
fsr-3469	423	3	level	level	NOUN
fsr-3469	423	4	of	of	ADP
fsr-3469	423	5	advisor	advisor	NOUN
fsr-3469	423	6	usefulness	usefulness	NOUN
fsr-3469	423	7	can	can	AUX
fsr-3469	423	8	help	help	AUX
fsr-3469	423	9	identify	identify	VERB
fsr-3469	423	10	what	what	PRON
fsr-3469	423	11	implementation	implementation	NOUN
fsr-3469	423	12	avenues	avenue	VERB
fsr-3469	423	13	certain	certain	ADJ
fsr-3469	423	14	individuals	individual	NOUN
fsr-3469	423	15	respond	respond	VERB
fsr-3469	423	16	to	to	ADP
fsr-3469	423	17	best	good	ADJ
fsr-3469	423	18	and	and	CCONJ
fsr-3469	423	19	tailor	tailor	NOUN
fsr-3469	423	20	approaches	approach	NOUN
fsr-3469	423	21	to	to	ADP
fsr-3469	423	22	those	those	DET
fsr-3469	423	23	preferences	preference	NOUN
fsr-3469	423	24	.	.	PUNCT
fsr-3469	424	1	the	the	DET
fsr-3469	424	2	significant	significant	ADJ
fsr-3469	424	3	results	result	NOUN
fsr-3469	424	4	for	for	ADP
fsr-3469	424	5	perceived	perceive	VERB
fsr-3469	424	6	advisor	advisor	NOUN
fsr-3469	424	7	usefulness	usefulness	NOUN
fsr-3469	424	8	do	do	AUX
fsr-3469	424	9	not	not	PART
fsr-3469	424	10	remove	remove	VERB
fsr-3469	424	11	the	the	DET
fsr-3469	424	12	potential	potential	ADJ
fsr-3469	424	13	impact	impact	NOUN
fsr-3469	424	14	of	of	ADP
fsr-3469	424	15	reverse	reverse	ADJ
fsr-3469	424	16	causality	causality	NOUN
fsr-3469	424	17	(	(	PUNCT
fsr-3469	424	18	i.e.	i.e.	X
fsr-3469	424	19	,	,	PUNCT
fsr-3469	424	20	endogeneity	endogeneity	NOUN
fsr-3469	424	21	)	)	PUNCT
fsr-3469	424	22	when	when	SCONJ
fsr-3469	424	23	choosing	choose	VERB
fsr-3469	424	24	to	to	PART
fsr-3469	424	25	utilize	utilize	VERB
fsr-3469	424	26	an	an	DET
fsr-3469	424	27	advisor	advisor	NOUN
fsr-3469	424	28	.	.	PUNCT
fsr-3469	425	1	however	however	ADV
fsr-3469	425	2	,	,	PUNCT
fsr-3469	425	3	the	the	DET
fsr-3469	425	4	inclusion	inclusion	NOUN
fsr-3469	425	5	of	of	ADP
fsr-3469	425	6	control	control	NOUN
fsr-3469	425	7	variables	variable	NOUN
fsr-3469	425	8	(	(	PUNCT
fsr-3469	425	9	i.e.	i.e.	X
fsr-3469	425	10	,	,	PUNCT
fsr-3469	425	11	net	net	ADJ
fsr-3469	425	12	worth	worth	NOUN
fsr-3469	425	13	,	,	PUNCT
fsr-3469	425	14	etc	etc	X
fsr-3469	425	15	.	.	X
fsr-3469	425	16	)	)	PUNCT
fsr-3469	425	17	in	in	ADP
fsr-3469	425	18	the	the	DET
fsr-3469	425	19	model	model	NOUN
fsr-3469	425	20	to	to	PART
fsr-3469	425	21	adequately	adequately	ADV
fsr-3469	425	22	capture	capture	VERB
fsr-3469	425	23	their	their	PRON
fsr-3469	425	24	potential	potential	ADJ
fsr-3469	425	25	influence	influence	NOUN
fsr-3469	425	26	over	over	ADP
fsr-3469	425	27	the	the	DET
fsr-3469	425	28	use	use	NOUN
fsr-3469	425	29	of	of	ADP
fsr-3469	425	30	an	an	DET
fsr-3469	425	31	advisor	advisor	NOUN
fsr-3469	425	32	,	,	PUNCT
fsr-3469	425	33	helps	help	VERB
fsr-3469	425	34	reduce	reduce	VERB
fsr-3469	425	35	the	the	DET
fsr-3469	425	36	effects	effect	NOUN
fsr-3469	425	37	of	of	ADP
fsr-3469	425	38	endogeneity	endogeneity	NOUN
fsr-3469	425	39	(	(	PUNCT
fsr-3469	425	40	rosenbaum	rosenbaum	PROPN
fsr-3469	425	41	&	&	CCONJ
fsr-3469	425	42	rubin	rubin	PROPN
fsr-3469	425	43	,	,	PUNCT
fsr-3469	425	44	1984	1984	NUM
fsr-3469	425	45	)	)	PUNCT
fsr-3469	425	46	.	.	PUNCT
fsr-3469	426	1	we	we	PRON
fsr-3469	426	2	will	will	AUX
fsr-3469	426	3	discuss	discuss	VERB
fsr-3469	426	4	this	this	DET
fsr-3469	426	5	factor	factor	NOUN
fsr-3469	426	6	further	far	ADV
fsr-3469	426	7	in	in	ADP
fsr-3469	426	8	our	our	PRON
fsr-3469	426	9	conclusions	conclusion	NOUN
fsr-3469	426	10	section	section	NOUN
fsr-3469	426	11	.	.	PUNCT
fsr-3469	427	1	being	be	AUX
fsr-3469	427	2	able	able	ADJ
fsr-3469	427	3	to	to	PART
fsr-3469	427	4	reliably	reliably	ADV
fsr-3469	427	5	identify	identify	VERB
fsr-3469	427	6	who	who	PRON
fsr-3469	427	7	is	be	AUX
fsr-3469	427	8	most	most	ADV
fsr-3469	427	9	likely	likely	ADJ
fsr-3469	427	10	to	to	PART
fsr-3469	427	11	implement	implement	VERB
fsr-3469	427	12	a	a	DET
fsr-3469	427	13	retirement	retirement	NOUN
fsr-3469	427	14	income	income	NOUN
fsr-3469	427	15	plan	plan	NOUN
fsr-3469	427	16	with	with	ADP
fsr-3469	427	17	the	the	DET
fsr-3469	427	18	assistance	assistance	NOUN
fsr-3469	427	19	of	of	ADP
fsr-3469	427	20	a	a	DET
fsr-3469	427	21	financial	financial	ADJ
fsr-3469	427	22	advisor	advisor	NOUN
fsr-3469	427	23	is	be	AUX
fsr-3469	427	24	a	a	DET
fsr-3469	427	25	significant	significant	ADJ
fsr-3469	427	26	step	step	NOUN
fsr-3469	427	27	forward	forward	ADV
fsr-3469	427	28	.	.	PUNCT
fsr-3469	428	1	instead	instead	ADV
fsr-3469	428	2	of	of	ADP
fsr-3469	428	3	trying	try	VERB
fsr-3469	428	4	to	to	PART
fsr-3469	428	5	convince	convince	VERB
fsr-3469	428	6	skeptical	skeptical	ADJ
fsr-3469	428	7	individuals	individual	NOUN
fsr-3469	428	8	of	of	ADP
fsr-3469	428	9	using	use	VERB
fsr-3469	428	10	an	an	DET
fsr-3469	428	11	advisor	advisor	NOUN
fsr-3469	428	12	,	,	PUNCT
fsr-3469	428	13	a	a	DET
fsr-3469	428	14	better	well	ADJ
fsr-3469	428	15	approach	approach	NOUN
fsr-3469	428	16	may	may	AUX
fsr-3469	428	17	be	be	AUX
fsr-3469	428	18	to	to	PART
fsr-3469	428	19	identify	identify	VERB
fsr-3469	428	20	their	their	PRON
fsr-3469	428	21	preferences	preference	NOUN
fsr-3469	428	22	for	for	ADP
fsr-3469	428	23	receiving	receive	VERB
fsr-3469	428	24	financial	financial	ADJ
fsr-3469	428	25	advice	advice	NOUN
fsr-3469	428	26	and	and	CCONJ
fsr-3469	428	27	provide	provide	VERB
fsr-3469	428	28	avenues	avenue	NOUN
fsr-3469	428	29	that	that	PRON
fsr-3469	428	30	maximize	maximize	VERB
fsr-3469	428	31	those	those	DET
fsr-3469	428	32	preferences	preference	NOUN
fsr-3469	428	33	.	.	PUNCT
fsr-3469	429	1	by	by	ADP
fsr-3469	429	2	facilitating	facilitate	VERB
fsr-3469	429	3	this	this	DET
fsr-3469	429	4	approach	approach	NOUN
fsr-3469	429	5	,	,	PUNCT
fsr-3469	429	6	individuals	individual	NOUN
fsr-3469	429	7	may	may	AUX
fsr-3469	429	8	be	be	AUX
fsr-3469	429	9	more	more	ADV
fsr-3469	429	10	likely	likely	ADJ
fsr-3469	429	11	to	to	PART
fsr-3469	429	12	engage	engage	VERB
fsr-3469	429	13	in	in	ADP
fsr-3469	429	14	behaviors	behavior	NOUN
fsr-3469	429	15	that	that	PRON
fsr-3469	429	16	ultimately	ultimately	ADV
fsr-3469	429	17	lead	lead	VERB
fsr-3469	429	18	to	to	ADP
fsr-3469	429	19	retirement	retirement	NOUN
fsr-3469	429	20	income	income	NOUN
fsr-3469	429	21	success	success	NOUN
fsr-3469	429	22	.	.	PUNCT
fsr-3469	430	1	because	because	SCONJ
fsr-3469	430	2	advisor	advisor	NOUN
fsr-3469	430	3	usefulness	usefulness	NOUN
fsr-3469	430	4	is	be	AUX
fsr-3469	430	5	the	the	DET
fsr-3469	430	6	main	main	ADJ
fsr-3469	430	7	determinant	determinant	NOUN
fsr-3469	430	8	for	for	ADP
fsr-3469	430	9	directly	directly	ADV
fsr-3469	430	10	working	work	VERB
fsr-3469	430	11	with	with	ADP
fsr-3469	430	12	an	an	DET
fsr-3469	430	13	advisor	advisor	NOUN
fsr-3469	430	14	and	and	CCONJ
fsr-3469	430	15	retirement	retirement	NOUN
fsr-3469	430	16	income	income	NOUN
fsr-3469	430	17	self	self	NOUN
fsr-3469	430	18	-	-	PUNCT
fsr-3469	430	19	efficacy	efficacy	NOUN
fsr-3469	430	20	is	be	AUX
fsr-3469	430	21	a	a	DET
fsr-3469	430	22	very	very	ADV
fsr-3469	430	23	strong	strong	ADJ
fsr-3469	430	24	variable	variable	NOUN
fsr-3469	430	25	throughout	throughout	ADP
fsr-3469	430	26	this	this	DET
fsr-3469	430	27	investigation	investigation	NOUN
fsr-3469	430	28	for	for	ADP
fsr-3469	430	29	identifying	identify	VERB
fsr-3469	430	30	retirement	retirement	NOUN
fsr-3469	430	31	income	income	NOUN
fsr-3469	430	32	beliefs	belief	NOUN
fsr-3469	430	33	,	,	PUNCT
fsr-3469	430	34	risks	risk	NOUN
fsr-3469	430	35	,	,	PUNCT
fsr-3469	430	36	and	and	CCONJ
fsr-3469	430	37	investment	investment	NOUN
fsr-3469	430	38	behaviors	behavior	NOUN
fsr-3469	430	39	,	,	PUNCT
fsr-3469	430	40	we	we	PRON
fsr-3469	430	41	establish	establish	VERB
fsr-3469	430	42	a	a	DET
fsr-3469	430	43	financial	financial	ADJ
fsr-3469	430	44	implementation	implementation	NOUN
fsr-3469	430	45	matrix	matrix	NOUN
fsr-3469	430	46	with	with	ADP
fsr-3469	430	47	these	these	DET
fsr-3469	430	48	factors	factor	NOUN
fsr-3469	430	49	to	to	PART
fsr-3469	430	50	help	help	VERB
fsr-3469	430	51	us	we	PRON
fsr-3469	430	52	identify	identify	VERB
fsr-3469	430	53	how	how	SCONJ
fsr-3469	430	54	an	an	DET
fsr-3469	430	55	investor	investor	NOUN
fsr-3469	430	56	prefers	prefer	VERB
fsr-3469	430	57	to	to	PART
fsr-3469	430	58	implement	implement	VERB
fsr-3469	430	59	financial	financial	ADJ
fsr-3469	430	60	tasks	task	NOUN
fsr-3469	430	61	.	.	PUNCT
fsr-3469	431	1	by	by	ADP
fsr-3469	431	2	placing	place	VERB
fsr-3469	431	3	perceived	perceive	VERB
fsr-3469	431	4	advisor	advisor	NOUN
fsr-3469	431	5	usefulness	usefulness	NOUN
fsr-3469	431	6	on	on	ADP
fsr-3469	431	7	the	the	DET
fsr-3469	431	8	vertical	vertical	ADJ
fsr-3469	431	9	axis	axis	NOUN
fsr-3469	431	10	and	and	CCONJ
fsr-3469	431	11	retirement	retirement	NOUN
fsr-3469	431	12	income	income	NOUN
fsr-3469	431	13	self	self	NOUN
fsr-3469	431	14	-	-	PUNCT
fsr-3469	431	15	efficacy	efficacy	NOUN
fsr-3469	431	16	on	on	ADP
fsr-3469	431	17	the	the	DET
fsr-3469	431	18	horizontal	horizontal	ADJ
fsr-3469	431	19	axis	axis	NOUN
fsr-3469	431	20	,	,	PUNCT
fsr-3469	431	21	we	we	PRON
fsr-3469	431	22	can	can	AUX
fsr-3469	431	23	identify	identify	VERB
fsr-3469	431	24	four	four	NUM
fsr-3469	431	25	investor	investor	NOUN
fsr-3469	431	26	personas	persona	NOUN
fsr-3469	431	27	that	that	PRON
fsr-3469	431	28	can	can	AUX
fsr-3469	431	29	be	be	AUX
fsr-3469	431	30	aligned	align	VERB
fsr-3469	431	31	with	with	ADP
fsr-3469	431	32	preferred	preferred	ADJ
fsr-3469	431	33	financial	financial	ADJ
fsr-3469	431	34	implementation	implementation	NOUN
fsr-3469	431	35	approaches	approach	NOUN
fsr-3469	431	36	.	.	PUNCT
fsr-3469	432	1	fig	fig	NOUN
fsr-3469	432	2	.	.	PUNCT
fsr-3469	433	1	2	2	NUM
fsr-3469	433	2	presents	present	VERB
fsr-3469	433	3	the	the	DET
fsr-3469	433	4	financial	financial	ADJ
fsr-3469	433	5	implementation	implementation	NOUN
fsr-3469	433	6	matrix	matrix	NOUN
fsr-3469	433	7	and	and	CCONJ
fsr-3469	433	8	corresponding	correspond	VERB
fsr-3469	433	9	personas	persona	NOUN
fsr-3469	433	10	.	.	PUNCT
fsr-3469	434	1	the	the	DET
fsr-3469	434	2	top	top	ADJ
fsr-3469	434	3	left	leave	VERB
fsr-3469	434	4	quadrant	quadrant	NOUN
fsr-3469	434	5	identifies	identify	VERB
fsr-3469	434	6	someone	someone	PRON
fsr-3469	434	7	who	who	PRON
fsr-3469	434	8	is	be	AUX
fsr-3469	434	9	below	below	ADP
fsr-3469	434	10	average	average	NOUN
fsr-3469	434	11	on	on	ADP
fsr-3469	434	12	perceived	perceive	VERB
fsr-3469	434	13	financial	financial	ADJ
fsr-3469	434	14	self	self	NOUN
fsr-3469	434	15	-	-	PUNCT
fsr-3469	434	16	efficacy	efficacy	NOUN
fsr-3469	434	17	and	and	CCONJ
fsr-3469	434	18	high	high	ADJ
fsr-3469	434	19	on	on	ADP
fsr-3469	434	20	perceived	perceive	VERB
fsr-3469	434	21	advisor	advisor	NOUN
fsr-3469	434	22	usefulness	usefulness	NOUN
fsr-3469	434	23	.	.	PUNCT
fsr-3469	435	1	as	as	ADP
fsr-3469	435	2	a	a	DET
fsr-3469	435	3	result	result	NOUN
fsr-3469	435	4	,	,	PUNCT
fsr-3469	435	5	this	this	DET
fsr-3469	435	6	person	person	NOUN
fsr-3469	435	7	is	be	AUX
fsr-3469	435	8	more	more	ADV
fsr-3469	435	9	likely	likely	ADJ
fsr-3469	435	10	to	to	PART
fsr-3469	435	11	have	have	VERB
fsr-3469	435	12	an	an	DET
fsr-3469	435	13	advisor	advisor	NOUN
fsr-3469	435	14	take	take	VERB
fsr-3469	435	15	the	the	DET
fsr-3469	435	16	lead	lead	ADJ
fsr-3469	435	17	role	role	NOUN
fsr-3469	435	18	in	in	ADP
fsr-3469	435	19	guiding	guide	VERB
fsr-3469	435	20	their	their	PRON
fsr-3469	435	21	retirement	retirement	NOUN
fsr-3469	435	22	plan	plan	NOUN
fsr-3469	435	23	.	.	PUNCT
fsr-3469	436	1	a	a	DET
fsr-3469	436	2	profile	profile	NOUN
fsr-3469	436	3	score	score	NOUN
fsr-3469	436	4	in	in	ADP
fsr-3469	436	5	this	this	DET
fsr-3469	436	6	quadrant	quadrant	NOUN
fsr-3469	436	7	would	would	AUX
fsr-3469	436	8	be	be	AUX
fsr-3469	436	9	indicative	indicative	ADJ
fsr-3469	436	10	of	of	ADP
fsr-3469	436	11	a	a	DET
fsr-3469	436	12	delegator	delegator	NOUN
fsr-3469	436	13	persona	persona	NOUN
fsr-3469	436	14	.	.	PUNCT
fsr-3469	437	1	20	20	NUM
fsr-3469	437	2	a.	a.	NOUN
fsr-3469	437	3	murguı́a	murguı́a	PROPN
fsr-3469	437	4	and	and	CCONJ
fsr-3469	437	5	w.	w.	NOUN
fsr-3469	437	6	pfau	pfau	PROPN
fsr-3469	437	7	/	/	SYM
fsr-3469	437	8	financial	financial	ADJ
fsr-3469	437	9	services	service	NOUN
fsr-3469	437	10	review	review	VERB
fsr-3469	437	11	30	30	NUM
fsr-3469	437	12	(	(	PUNCT
fsr-3469	437	13	2022	2022	NUM
fsr-3469	437	14	)	)	PUNCT
fsr-3469	438	1	1–29	1–29	PROPN
fsr-3469	438	2	table	table	NOUN
fsr-3469	438	3	8	8	NUM
fsr-3469	438	4	logistic	logistic	ADJ
fsr-3469	438	5	regression	regression	NOUN
fsr-3469	438	6	analysis	analysis	NOUN
fsr-3469	438	7	of	of	ADP
fsr-3469	438	8	psychological	psychological	ADJ
fsr-3469	438	9	and	and	CCONJ
fsr-3469	438	10	behavioral	behavioral	ADJ
fsr-3469	438	11	finance	finance	NOUN
fsr-3469	438	12	constructs	construct	NOUN
fsr-3469	438	13	with	with	ADP
fsr-3469	438	14	advisory	advisory	ADJ
fsr-3469	438	15	implementation	implementation	NOUN
fsr-3469	438	16	in	in	ADP
fsr-3469	438	17	a	a	DET
fsr-3469	438	18	current	current	ADJ
fsr-3469	438	19	advisory	advisory	ADJ
fsr-3469	438	20	relationship	relationship	NOUN
fsr-3469	438	21	sample	sample	NOUN
fsr-3469	438	22	577	577	NUM
fsr-3469	438	23	wald	wald	NOUN
fsr-3469	438	24	test	test	NOUN
fsr-3469	438	25	(	(	PUNCT
fsr-3469	438	26	x2	x2	PROPN
fsr-3469	438	27	)	)	PUNCT
fsr-3469	438	28	72.39	72.39	NUM
fsr-3469	438	29	pr	pr	X
fsr-3469	438	30	>	>	X
fsr-3469	438	31	x2	x2	PROPN
fsr-3469	439	1	<	<	X
fsr-3469	439	2	0.0001	0.0001	NUM
fsr-3469	439	3	c	c	NOUN
fsr-3469	439	4	-	-	PUNCT
fsr-3469	439	5	statistic	statistic	NOUN
fsr-3469	439	6	0.75	0.75	NUM
fsr-3469	439	7	rescaled	rescaled	ADJ
fsr-3469	439	8	r2	r2	NOUN
fsr-3469	439	9	0.20	0.20	NUM
fsr-3469	439	10	intercept	intercept	NOUN
fsr-3469	439	11	estimate	estimate	NOUN
fsr-3469	439	12	�	�	PROPN
fsr-3469	439	13	1.17	1.17	NUM
fsr-3469	439	14	standard	standard	ADJ
fsr-3469	439	15	error	error	NOUN
fsr-3469	439	16	0.17	0.17	NUM
fsr-3469	439	17	probability	probability	NOUN
fsr-3469	439	18	<	<	X
fsr-3469	439	19	0.0001	0.0001	NUM
fsr-3469	439	20	wald	wald	NOUN
fsr-3469	439	21	95	95	NUM
fsr-3469	439	22	%	%	NOUN
fsr-3469	439	23	confidence	confidence	NOUN
fsr-3469	439	24	interval	interval	NOUN
fsr-3469	439	25	limits	limit	VERB
fsr-3469	439	26	self	self	NOUN
fsr-3469	439	27	-	-	PUNCT
fsr-3469	439	28	efficacy	efficacy	NOUN
fsr-3469	439	29	odds	odd	NOUN
fsr-3469	439	30	ratio	ratio	VERB
fsr-3469	439	31	1.24	1.24	NUM
fsr-3469	439	32	0.99	0.99	NUM
fsr-3469	439	33	1.56	1.56	NUM
fsr-3469	439	34	estimate	estimate	NOUN
fsr-3469	439	35	0.22	0.22	NUM
fsr-3469	440	1	standard	standard	ADJ
fsr-3469	440	2	error	error	NOUN
fsr-3469	440	3	0.12	0.12	NUM
fsr-3469	440	4	probability	probability	NOUN
fsr-3469	440	5	0.06	0.06	NUM
fsr-3469	440	6	financial	financial	ADJ
fsr-3469	440	7	biases	bias	NOUN
fsr-3469	440	8	odds	odd	VERB
fsr-3469	440	9	ratio	ratio	NOUN
fsr-3469	440	10	1.13	1.13	NUM
fsr-3469	440	11	0.92	0.92	NUM
fsr-3469	440	12	1.40	1.40	NUM
fsr-3469	440	13	estimate	estimate	NOUN
fsr-3469	440	14	0.12	0.12	NUM
fsr-3469	440	15	standard	standard	ADJ
fsr-3469	440	16	error	error	NOUN
fsr-3469	440	17	0.11	0.11	NUM
fsr-3469	440	18	probability	probability	NOUN
fsr-3469	440	19	0.24	0.24	NUM
fsr-3469	440	20	inertia	inertia	NOUN
fsr-3469	440	21	odds	odd	NOUN
fsr-3469	440	22	ratio	ratio	NOUN
fsr-3469	440	23	1.04	1.04	NUM
fsr-3469	440	24	0.86	0.86	NUM
fsr-3469	440	25	1.25	1.25	NUM
fsr-3469	440	26	estimate	estimate	NOUN
fsr-3469	440	27	0.03	0.03	NUM
fsr-3469	440	28	standard	standard	ADJ
fsr-3469	440	29	error	error	NOUN
fsr-3469	440	30	0.09	0.09	NUM
fsr-3469	440	31	probability	probability	NOUN
fsr-3469	440	32	0.72	0.72	NUM
fsr-3469	440	33	numeracy	numeracy	NOUN
fsr-3469	440	34	odds	odd	NOUN
fsr-3469	440	35	ratio	ratio	VERB
fsr-3469	440	36	1.06	1.06	NUM
fsr-3469	440	37	0.83	0.83	NUM
fsr-3469	440	38	1.36	1.36	NUM
fsr-3469	440	39	estimate	estimate	NOUN
fsr-3469	440	40	0.06	0.06	NUM
fsr-3469	440	41	standard	standard	ADJ
fsr-3469	440	42	error	error	NOUN
fsr-3469	440	43	0.12	0.12	NUM
fsr-3469	440	44	probability	probability	NOUN
fsr-3469	440	45	0.62	0.62	NUM
fsr-3469	440	46	numeracy	numeracy	NOUN
fsr-3469	440	47	awareness	awareness	NOUN
fsr-3469	440	48	odds	odd	VERB
fsr-3469	440	49	ratio	ratio	NOUN
fsr-3469	440	50	1.15	1.15	NUM
fsr-3469	440	51	0.91	0.91	NUM
fsr-3469	440	52	1.47	1.47	NUM
fsr-3469	440	53	estimate	estimate	NOUN
fsr-3469	440	54	0.14	0.14	NUM
fsr-3469	440	55	standard	standard	ADJ
fsr-3469	440	56	error	error	NOUN
fsr-3469	440	57	0.12	0.12	NUM
fsr-3469	440	58	probability	probability	NOUN
fsr-3469	440	59	0.25	0.25	NUM
fsr-3469	440	60	portfolio	portfolio	NOUN
fsr-3469	440	61	loss	loss	NOUN
fsr-3469	440	62	aversion	aversion	NOUN
fsr-3469	440	63	odds	odd	VERB
fsr-3469	440	64	ratio	ratio	VERB
fsr-3469	440	65	1.15	1.15	NUM
fsr-3469	440	66	0.93	0.93	NUM
fsr-3469	440	67	1.43	1.43	NUM
fsr-3469	440	68	estimate	estimate	NOUN
fsr-3469	440	69	0.14	0.14	NUM
fsr-3469	440	70	standard	standard	ADJ
fsr-3469	440	71	error	error	NOUN
fsr-3469	440	72	0.11	0.11	NUM
fsr-3469	440	73	probability	probability	NOUN
fsr-3469	440	74	0.20	0.20	NUM
fsr-3469	440	75	advisor	advisor	NOUN
fsr-3469	440	76	usefulness	usefulness	NOUN
fsr-3469	440	77	odds	odd	NOUN
fsr-3469	440	78	ratio	ratio	VERB
fsr-3469	440	79	2.72	2.72	NUM
fsr-3469	440	80	2.13	2.13	NUM
fsr-3469	440	81	3.46	3.46	NUM
fsr-3469	440	82	estimate	estimate	NOUN
fsr-3469	440	83	1.00	1.00	NUM
fsr-3469	440	84	standard	standard	ADJ
fsr-3469	440	85	error	error	NOUN
fsr-3469	440	86	0.12	0.12	NUM
fsr-3469	440	87	probability	probability	NOUN
fsr-3469	440	88	*	*	PUNCT
fsr-3469	440	89	*	*	PUNCT
fsr-3469	440	90	*	*	PUNCT
fsr-3469	440	91	*	*	PUNCT
fsr-3469	440	92	gender	gender	NOUN
fsr-3469	440	93	odds	odd	NOUN
fsr-3469	440	94	ratio	ratio	VERB
fsr-3469	440	95	1.19	1.19	NUM
fsr-3469	440	96	0.69	0.69	NUM
fsr-3469	440	97	2.04	2.04	NUM
fsr-3469	440	98	estimate	estimate	NOUN
fsr-3469	440	99	0.09	0.09	NUM
fsr-3469	440	100	standard	standard	ADJ
fsr-3469	440	101	error	error	NOUN
fsr-3469	440	102	0.14	0.14	NUM
fsr-3469	440	103	(	(	PUNCT
fsr-3469	440	104	continued	continue	VERB
fsr-3469	440	105	on	on	ADP
fsr-3469	440	106	next	next	ADJ
fsr-3469	440	107	page	page	NOUN
fsr-3469	440	108	)	)	PUNCT
fsr-3469	440	109	a.	a.	PROPN
fsr-3469	440	110	murgua	murgua	PROPN
fsr-3469	440	111	and	and	CCONJ
fsr-3469	440	112	w.	w.	PROPN
fsr-3469	440	113	pfau	pfau	PROPN
fsr-3469	440	114	/	/	SYM
fsr-3469	440	115	financial	financial	ADJ
fsr-3469	440	116	services	service	NOUN
fsr-3469	440	117	review	review	VERB
fsr-3469	440	118	30	30	NUM
fsr-3469	440	119	(	(	PUNCT
fsr-3469	440	120	2022	2022	NUM
fsr-3469	440	121	)	)	PUNCT
fsr-3469	440	122	1–29	1–29	PROPN
fsr-3469	440	123	21	21	NUM
fsr-3469	440	124	the	the	DET
fsr-3469	440	125	top	top	ADJ
fsr-3469	440	126	right	right	ADJ
fsr-3469	440	127	quadrant	quadrant	NOUN
fsr-3469	440	128	identifies	identify	VERB
fsr-3469	440	129	someone	someone	PRON
fsr-3469	440	130	who	who	PRON
fsr-3469	440	131	is	be	AUX
fsr-3469	440	132	high	high	ADJ
fsr-3469	440	133	on	on	ADP
fsr-3469	440	134	both	both	PRON
fsr-3469	440	135	self	self	NOUN
fsr-3469	440	136	-	-	PUNCT
fsr-3469	440	137	efficacy	efficacy	NOUN
fsr-3469	440	138	and	and	CCONJ
fsr-3469	440	139	advisor	advisor	NOUN
fsr-3469	440	140	usefulness	usefulness	NOUN
fsr-3469	440	141	.	.	PUNCT
fsr-3469	441	1	this	this	PRON
fsr-3469	441	2	describes	describe	VERB
fsr-3469	441	3	someone	someone	PRON
fsr-3469	441	4	who	who	PRON
fsr-3469	441	5	feels	feel	VERB
fsr-3469	441	6	very	very	ADV
fsr-3469	441	7	confident	confident	ADJ
fsr-3469	441	8	about	about	ADP
fsr-3469	441	9	their	their	PRON
fsr-3469	441	10	own	own	ADJ
fsr-3469	441	11	ability	ability	NOUN
fsr-3469	441	12	but	but	CCONJ
fsr-3469	441	13	also	also	ADV
fsr-3469	441	14	appreciates	appreciate	VERB
fsr-3469	441	15	the	the	DET
fsr-3469	441	16	value	value	NOUN
fsr-3469	441	17	of	of	ADP
fsr-3469	441	18	an	an	DET
fsr-3469	441	19	advisor	advisor	NOUN
fsr-3469	441	20	.	.	PUNCT
fsr-3469	442	1	this	this	DET
fsr-3469	442	2	persona	persona	NOUN
fsr-3469	442	3	enjoys	enjoy	VERB
fsr-3469	442	4	contributing	contribute	VERB
fsr-3469	442	5	as	as	ADP
fsr-3469	442	6	an	an	DET
fsr-3469	442	7	active	active	ADJ
fsr-3469	442	8	partner	partner	NOUN
fsr-3469	442	9	with	with	ADP
fsr-3469	442	10	a	a	DET
fsr-3469	442	11	financial	financial	ADJ
fsr-3469	442	12	professional	professional	NOUN
fsr-3469	442	13	.	.	PUNCT
fsr-3469	443	1	a	a	DET
fsr-3469	443	2	profile	profile	NOUN
fsr-3469	443	3	score	score	NOUN
fsr-3469	443	4	in	in	ADP
fsr-3469	443	5	this	this	DET
fsr-3469	443	6	quadrant	quadrant	NOUN
fsr-3469	443	7	indicates	indicate	VERB
fsr-3469	443	8	that	that	SCONJ
fsr-3469	443	9	they	they	PRON
fsr-3469	443	10	are	be	AUX
fsr-3469	443	11	most	most	ADV
fsr-3469	443	12	likely	likely	ADJ
fsr-3469	443	13	a	a	DET
fsr-3469	443	14	collaborator	collaborator	NOUN
fsr-3469	443	15	.	.	PUNCT
fsr-3469	444	1	table	table	NOUN
fsr-3469	444	2	8	8	NUM
fsr-3469	444	3	(	(	PUNCT
fsr-3469	444	4	continued	continue	VERB
fsr-3469	444	5	)	)	PUNCT
fsr-3469	444	6	in	in	ADP
fsr-3469	444	7	a	a	DET
fsr-3469	444	8	current	current	ADJ
fsr-3469	444	9	advisory	advisory	ADJ
fsr-3469	444	10	relationship	relationship	NOUN
fsr-3469	444	11	probability	probability	NOUN
fsr-3469	444	12	0.53	0.53	NUM
fsr-3469	444	13	marital	marital	ADJ
fsr-3469	444	14	status	status	NOUN
fsr-3469	444	15	odds	odd	VERB
fsr-3469	444	16	ratio	ratio	NOUN
fsr-3469	444	17	0.74	0.74	NUM
fsr-3469	444	18	0.38	0.38	NUM
fsr-3469	444	19	1.44	1.44	NUM
fsr-3469	444	20	estimate	estimate	NOUN
fsr-3469	444	21	�	�	PROPN
fsr-3469	444	22	0.15	0.15	NUM
fsr-3469	444	23	standard	standard	ADJ
fsr-3469	444	24	error	error	NOUN
fsr-3469	444	25	0.17	0.17	NUM
fsr-3469	444	26	probability	probability	NOUN
fsr-3469	444	27	0.37	0.37	NUM
fsr-3469	444	28	age	age	NOUN
fsr-3469	444	29	odds	odd	NOUN
fsr-3469	444	30	ratio	ratio	VERB
fsr-3469	444	31	0.92	0.92	NUM
fsr-3469	444	32	0.75	0.75	NUM
fsr-3469	444	33	1.13	1.13	NUM
fsr-3469	444	34	estimate	estimate	NOUN
fsr-3469	444	35	�	�	NOUN
fsr-3469	444	36	0.08	0.08	NUM
fsr-3469	444	37	standard	standard	ADJ
fsr-3469	444	38	error	error	NOUN
fsr-3469	444	39	0.10	0.10	NUM
fsr-3469	444	40	probability	probability	NOUN
fsr-3469	444	41	0.44	0.44	NUM
fsr-3469	444	42	net	net	ADJ
fsr-3469	444	43	worth	worth	ADJ
fsr-3469	444	44	odds	odd	NOUN
fsr-3469	444	45	ratio	ratio	NOUN
fsr-3469	444	46	1.03	1.03	NUM
fsr-3469	444	47	0.84	0.84	NUM
fsr-3469	444	48	1.25	1.25	NUM
fsr-3469	444	49	estimate	estimate	NOUN
fsr-3469	444	50	0.03	0.03	NUM
fsr-3469	444	51	standard	standard	ADJ
fsr-3469	444	52	error	error	NOUN
fsr-3469	444	53	0.10	0.10	NUM
fsr-3469	444	54	probability	probability	NOUN
fsr-3469	444	55	0.79	0.79	NUM
fsr-3469	444	56	gender	gender	NOUN
fsr-3469	444	57	.	.	PUNCT
fsr-3469	445	1	female	female	NOUN
fsr-3469	445	2	is	be	AUX
fsr-3469	445	3	the	the	DET
fsr-3469	445	4	reference	reference	NOUN
fsr-3469	445	5	variable	variable	ADJ
fsr-3469	445	6	marital	marital	ADJ
fsr-3469	445	7	status	status	NOUN
fsr-3469	445	8	.	.	PUNCT
fsr-3469	446	1	married	married	ADJ
fsr-3469	446	2	is	be	AUX
fsr-3469	446	3	the	the	DET
fsr-3469	446	4	reference	reference	NOUN
fsr-3469	446	5	variable	variable	NOUN
fsr-3469	446	6	*	*	PUNCT
fsr-3469	446	7	p	p	X
fsr-3469	446	8	=	=	X
fsr-3469	446	9	<	<	X
fsr-3469	446	10	0.05	0.05	NUM
fsr-3469	446	11	*	*	PUNCT
fsr-3469	446	12	*	*	PUNCT
fsr-3469	446	13	p	p	X
fsr-3469	446	14	=	=	X
fsr-3469	446	15	<	<	X
fsr-3469	446	16	0.01	0.01	NUM
fsr-3469	446	17	*	*	PUNCT
fsr-3469	446	18	*	*	PUNCT
fsr-3469	446	19	*	*	PUNCT
fsr-3469	446	20	p	p	X
fsr-3469	446	21	=	=	X
fsr-3469	446	22	<	<	X
fsr-3469	446	23	0.001	0.001	NUM
fsr-3469	446	24	*	*	PUNCT
fsr-3469	446	25	*	*	PUNCT
fsr-3469	446	26	*	*	PUNCT
fsr-3469	446	27	*	*	PUNCT
fsr-3469	446	28	p	p	X
fsr-3469	446	29	=	=	PUNCT
fsr-3469	446	30	<	<	X
fsr-3469	446	31	0.0001	0.0001	NUM
fsr-3469	446	32	fig	fig	NOUN
fsr-3469	446	33	.	.	PUNCT
fsr-3469	447	1	2	2	X
fsr-3469	447	2	.	.	X
fsr-3469	447	3	financial	financial	ADJ
fsr-3469	447	4	implementation	implementation	NOUN
fsr-3469	447	5	matrix	matrix	NOUN
fsr-3469	447	6	22	22	NUM
fsr-3469	447	7	a.	a.	NOUN
fsr-3469	447	8	murguı́a	murguı́a	PROPN
fsr-3469	447	9	and	and	CCONJ
fsr-3469	447	10	w.	w.	NOUN
fsr-3469	447	11	pfau	pfau	PROPN
fsr-3469	447	12	/	/	SYM
fsr-3469	447	13	financial	financial	ADJ
fsr-3469	447	14	services	service	NOUN
fsr-3469	447	15	review	review	VERB
fsr-3469	447	16	30	30	NUM
fsr-3469	447	17	(	(	PUNCT
fsr-3469	447	18	2022	2022	NUM
fsr-3469	447	19	)	)	PUNCT
fsr-3469	447	20	1–29	1–29	PROPN
fsr-3469	447	21	the	the	DET
fsr-3469	447	22	bottom	bottom	ADJ
fsr-3469	447	23	right	right	ADJ
fsr-3469	447	24	quadrant	quadrant	NOUN
fsr-3469	447	25	is	be	AUX
fsr-3469	447	26	indicative	indicative	ADJ
fsr-3469	447	27	of	of	ADP
fsr-3469	447	28	someone	someone	PRON
fsr-3469	447	29	who	who	PRON
fsr-3469	447	30	is	be	AUX
fsr-3469	447	31	high	high	ADJ
fsr-3469	447	32	on	on	ADP
fsr-3469	447	33	financial	financial	ADJ
fsr-3469	447	34	self	self	NOUN
fsr-3469	447	35	-	-	PUNCT
fsr-3469	447	36	efficacy	efficacy	NOUN
fsr-3469	447	37	and	and	CCONJ
fsr-3469	447	38	low	low	ADJ
fsr-3469	447	39	on	on	ADP
fsr-3469	447	40	perceived	perceive	VERB
fsr-3469	447	41	advisor	advisor	NOUN
fsr-3469	447	42	usefulness	usefulness	NOUN
fsr-3469	447	43	.	.	PUNCT
fsr-3469	448	1	these	these	DET
fsr-3469	448	2	individuals	individual	NOUN
fsr-3469	448	3	are	be	AUX
fsr-3469	448	4	confident	confident	ADJ
fsr-3469	448	5	about	about	ADP
fsr-3469	448	6	their	their	PRON
fsr-3469	448	7	aptitude	aptitude	NOUN
fsr-3469	448	8	to	to	PART
fsr-3469	448	9	create	create	VERB
fsr-3469	448	10	and	and	CCONJ
fsr-3469	448	11	implement	implement	VERB
fsr-3469	448	12	a	a	DET
fsr-3469	448	13	retirement	retirement	NOUN
fsr-3469	448	14	income	income	NOUN
fsr-3469	448	15	plan	plan	NOUN
fsr-3469	448	16	and	and	CCONJ
fsr-3469	448	17	do	do	AUX
fsr-3469	448	18	not	not	PART
fsr-3469	448	19	feel	feel	VERB
fsr-3469	448	20	engaging	engage	VERB
fsr-3469	448	21	an	an	DET
fsr-3469	448	22	advisor	advisor	NOUN
fsr-3469	448	23	for	for	ADP
fsr-3469	448	24	assistance	assistance	NOUN
fsr-3469	448	25	is	be	AUX
fsr-3469	448	26	cost	cost	NOUN
fsr-3469	448	27	effective	effective	ADJ
fsr-3469	448	28	.	.	PUNCT
fsr-3469	449	1	this	this	DET
fsr-3469	449	2	quadrant	quadrant	NOUN
fsr-3469	449	3	most	most	ADV
fsr-3469	449	4	likely	likely	ADV
fsr-3469	449	5	reflects	reflect	VERB
fsr-3469	449	6	self	self	NOUN
fsr-3469	449	7	-	-	PUNCT
fsr-3469	449	8	directed	direct	VERB
fsr-3469	449	9	investor	investor	NOUN
fsr-3469	449	10	personas	persona	NOUN
fsr-3469	449	11	.	.	PUNCT
fsr-3469	450	1	the	the	DET
fsr-3469	450	2	bottom	bottom	NOUN
fsr-3469	450	3	left	leave	VERB
fsr-3469	450	4	quadrant	quadrant	NOUN
fsr-3469	450	5	identifies	identify	VERB
fsr-3469	450	6	someone	someone	PRON
fsr-3469	450	7	who	who	PRON
fsr-3469	450	8	is	be	AUX
fsr-3469	450	9	below	below	ADP
fsr-3469	450	10	average	average	NOUN
fsr-3469	450	11	on	on	ADP
fsr-3469	450	12	perceived	perceive	VERB
fsr-3469	450	13	financial	financial	ADJ
fsr-3469	450	14	self	self	NOUN
fsr-3469	450	15	-	-	PUNCT
fsr-3469	450	16	efficacy	efficacy	NOUN
fsr-3469	450	17	and	and	CCONJ
fsr-3469	450	18	is	be	AUX
fsr-3469	450	19	also	also	ADV
fsr-3469	450	20	low	low	ADJ
fsr-3469	450	21	on	on	ADP
fsr-3469	450	22	perceived	perceive	VERB
fsr-3469	450	23	advisor	advisor	NOUN
fsr-3469	450	24	usefulness	usefulness	NOUN
fsr-3469	450	25	.	.	PUNCT
fsr-3469	451	1	while	while	SCONJ
fsr-3469	451	2	those	those	PRON
fsr-3469	451	3	in	in	ADP
fsr-3469	451	4	this	this	DET
fsr-3469	451	5	quadrant	quadrant	NOUN
fsr-3469	451	6	do	do	AUX
fsr-3469	451	7	not	not	PART
fsr-3469	451	8	value	value	VERB
fsr-3469	451	9	an	an	DET
fsr-3469	451	10	ongoing	ongoing	ADJ
fsr-3469	451	11	advisory	advisory	ADJ
fsr-3469	451	12	relationship	relationship	NOUN
fsr-3469	451	13	,	,	PUNCT
fsr-3469	451	14	their	their	PRON
fsr-3469	451	15	low	low	ADJ
fsr-3469	451	16	self	self	NOUN
fsr-3469	451	17	-	-	PUNCT
fsr-3469	451	18	efficacy	efficacy	NOUN
fsr-3469	451	19	score	score	NOUN
fsr-3469	451	20	leaves	leave	VERB
fsr-3469	451	21	open	open	VERB
fsr-3469	451	22	the	the	DET
fsr-3469	451	23	possibility	possibility	NOUN
fsr-3469	451	24	of	of	ADP
fsr-3469	451	25	seeking	seek	VERB
fsr-3469	451	26	specialized	specialized	ADJ
fsr-3469	451	27	guidance	guidance	NOUN
fsr-3469	451	28	for	for	ADP
fsr-3469	451	29	complex	complex	ADJ
fsr-3469	451	30	financial	financial	ADJ
fsr-3469	451	31	decisions	decision	NOUN
fsr-3469	451	32	.	.	PUNCT
fsr-3469	452	1	individuals	individual	NOUN
fsr-3469	452	2	here	here	ADV
fsr-3469	452	3	may	may	AUX
fsr-3469	452	4	seek	seek	VERB
fsr-3469	452	5	a	a	DET
fsr-3469	452	6	second	second	ADJ
fsr-3469	452	7	opinion	opinion	NOUN
fsr-3469	452	8	or	or	CCONJ
fsr-3469	452	9	a	a	DET
fsr-3469	452	10	one	one	NUM
fsr-3469	452	11	-	-	PUNCT
fsr-3469	452	12	time	time	NOUN
fsr-3469	452	13	consultation	consultation	NOUN
fsr-3469	452	14	plan	plan	NOUN
fsr-3469	452	15	with	with	ADP
fsr-3469	452	16	an	an	DET
fsr-3469	452	17	advisor	advisor	NOUN
fsr-3469	452	18	as	as	SCONJ
fsr-3469	452	19	they	they	PRON
fsr-3469	452	20	continue	continue	VERB
fsr-3469	452	21	to	to	PART
fsr-3469	452	22	implement	implement	VERB
fsr-3469	452	23	their	their	PRON
fsr-3469	452	24	strategy	strategy	NOUN
fsr-3469	452	25	.	.	PUNCT
fsr-3469	453	1	a	a	DET
fsr-3469	453	2	profile	profile	NOUN
fsr-3469	453	3	score	score	NOUN
fsr-3469	453	4	in	in	ADP
fsr-3469	453	5	this	this	DET
fsr-3469	453	6	quadrant	quadrant	NOUN
fsr-3469	453	7	relates	relate	VERB
fsr-3469	453	8	to	to	ADP
fsr-3469	453	9	a	a	DET
fsr-3469	453	10	validator	validator	NOUN
fsr-3469	453	11	persona	persona	NOUN
fsr-3469	453	12	.	.	PUNCT
fsr-3469	454	1	table	table	NOUN
fsr-3469	454	2	9	9	NUM
fsr-3469	454	3	identifies	identify	VERB
fsr-3469	454	4	the	the	DET
fsr-3469	454	5	frequency	frequency	NOUN
fsr-3469	454	6	breakdown	breakdown	NOUN
fsr-3469	454	7	between	between	ADP
fsr-3469	454	8	our	our	PRON
fsr-3469	454	9	four	four	NUM
fsr-3469	454	10	implementation	implementation	NOUN
fsr-3469	454	11	personas	persona	NOUN
fsr-3469	454	12	and	and	CCONJ
fsr-3469	454	13	indicates	indicate	VERB
fsr-3469	454	14	whether	whether	SCONJ
fsr-3469	454	15	these	these	DET
fsr-3469	454	16	individuals	individual	NOUN
fsr-3469	454	17	are	be	AUX
fsr-3469	454	18	in	in	ADP
fsr-3469	454	19	a	a	DET
fsr-3469	454	20	current	current	ADJ
fsr-3469	454	21	advisory	advisory	ADJ
fsr-3469	454	22	relationship	relationship	NOUN
fsr-3469	454	23	.	.	PUNCT
fsr-3469	455	1	we	we	PRON
fsr-3469	455	2	do	do	AUX
fsr-3469	455	3	not	not	PART
fsr-3469	455	4	include	include	VERB
fsr-3469	455	5	participants	participant	NOUN
fsr-3469	455	6	identifying	identify	VERB
fsr-3469	455	7	as	as	ADP
fsr-3469	455	8	financial	financial	ADJ
fsr-3469	455	9	professionals	professional	NOUN
fsr-3469	455	10	in	in	ADP
fsr-3469	455	11	this	this	DET
fsr-3469	455	12	analysis	analysis	NOUN
fsr-3469	455	13	.	.	PUNCT
fsr-3469	456	1	delegators	delegator	NOUN
fsr-3469	456	2	(	(	PUNCT
fsr-3469	456	3	n	n	NOUN
fsr-3469	456	4	=	=	SYM
fsr-3469	456	5	332	332	NUM
fsr-3469	456	6	)	)	PUNCT
fsr-3469	456	7	and	and	CCONJ
fsr-3469	456	8	self	self	NOUN
fsr-3469	456	9	-	-	PUNCT
fsr-3469	456	10	directed	direct	VERB
fsr-3469	456	11	investors	investor	NOUN
fsr-3469	456	12	(	(	PUNCT
fsr-3469	456	13	n	n	NOUN
fsr-3469	456	14	=	=	SYM
fsr-3469	456	15	331	331	NUM
fsr-3469	456	16	)	)	PUNCT
fsr-3469	456	17	each	each	PRON
fsr-3469	456	18	represent	represent	VERB
fsr-3469	456	19	34	34	NUM
fsr-3469	456	20	%	%	NOUN
fsr-3469	456	21	of	of	ADP
fsr-3469	456	22	our	our	PRON
fsr-3469	456	23	sample	sample	NOUN
fsr-3469	456	24	participants	participant	NOUN
fsr-3469	456	25	(	(	PUNCT
fsr-3469	456	26	n	n	NOUN
fsr-3469	456	27	=	=	SYM
fsr-3469	456	28	965	965	NUM
fsr-3469	456	29	)	)	PUNCT
fsr-3469	456	30	.	.	PUNCT
fsr-3469	457	1	collaborators	collaborator	NOUN
fsr-3469	457	2	(	(	PUNCT
fsr-3469	457	3	n	n	NOUN
fsr-3469	457	4	=	=	SYM
fsr-3469	457	5	179	179	NUM
fsr-3469	457	6	)	)	PUNCT
fsr-3469	457	7	and	and	CCONJ
fsr-3469	457	8	validators	validator	NOUN
fsr-3469	457	9	(	(	PUNCT
fsr-3469	457	10	n	n	NOUN
fsr-3469	457	11	=	=	SYM
fsr-3469	457	12	123	123	NUM
fsr-3469	457	13	)	)	PUNCT
fsr-3469	457	14	represent	represent	VERB
fsr-3469	457	15	19	19	NUM
fsr-3469	457	16	%	%	NOUN
fsr-3469	457	17	and	and	CCONJ
fsr-3469	457	18	13	13	NUM
fsr-3469	457	19	%	%	NOUN
fsr-3469	457	20	,	,	PUNCT
fsr-3469	457	21	respectively	respectively	ADV
fsr-3469	457	22	.	.	PUNCT
fsr-3469	458	1	both	both	DET
fsr-3469	458	2	delegators	delegator	NOUN
fsr-3469	458	3	and	and	CCONJ
fsr-3469	458	4	collaborators	collaborator	NOUN
fsr-3469	458	5	(	(	PUNCT
fsr-3469	458	6	36.8	36.8	NUM
fsr-3469	458	7	%	%	NOUN
fsr-3469	458	8	and	and	CCONJ
fsr-3469	458	9	46.4	46.4	NUM
fsr-3469	458	10	%	%	NOUN
fsr-3469	458	11	)	)	PUNCT
fsr-3469	458	12	are	be	AUX
fsr-3469	458	13	significantly	significantly	ADV
fsr-3469	458	14	more	more	ADV
fsr-3469	458	15	likely	likely	ADJ
fsr-3469	458	16	to	to	PART
fsr-3469	458	17	have	have	VERB
fsr-3469	458	18	a	a	DET
fsr-3469	458	19	current	current	ADJ
fsr-3469	458	20	advisory	advisory	ADJ
fsr-3469	458	21	relationship	relationship	NOUN
fsr-3469	458	22	than	than	ADP
fsr-3469	458	23	validators	validator	NOUN
fsr-3469	458	24	and	and	CCONJ
fsr-3469	458	25	self	self	NOUN
fsr-3469	458	26	-	-	PUNCT
fsr-3469	458	27	directed	direct	VERB
fsr-3469	458	28	investors	investor	NOUN
fsr-3469	458	29	(	(	PUNCT
fsr-3469	458	30	13	13	NUM
fsr-3469	458	31	%	%	NOUN
fsr-3469	458	32	and	and	CCONJ
fsr-3469	458	33	10.9	10.9	NUM
fsr-3469	458	34	%	%	NOUN
fsr-3469	458	35	)	)	PUNCT
fsr-3469	458	36	.	.	PUNCT
fsr-3469	459	1	this	this	PRON
fsr-3469	459	2	is	be	AUX
fsr-3469	459	3	to	to	PART
fsr-3469	459	4	be	be	AUX
fsr-3469	459	5	expected	expect	VERB
fsr-3469	459	6	because	because	SCONJ
fsr-3469	459	7	the	the	DET
fsr-3469	459	8	advisor	advisor	NOUN
fsr-3469	459	9	usefulness	usefulness	NOUN
fsr-3469	459	10	score	score	NOUN
fsr-3469	459	11	represents	represent	VERB
fsr-3469	459	12	the	the	DET
fsr-3469	459	13	vertical	vertical	ADJ
fsr-3469	459	14	axis	axis	NOUN
fsr-3469	459	15	of	of	ADP
fsr-3469	459	16	the	the	DET
fsr-3469	459	17	implementation	implementation	NOUN
fsr-3469	459	18	matrix	matrix	NOUN
fsr-3469	459	19	.	.	PUNCT
fsr-3469	460	1	this	this	DET
fsr-3469	460	2	matrix	matrix	NOUN
fsr-3469	460	3	also	also	ADV
fsr-3469	460	4	provides	provide	VERB
fsr-3469	460	5	potential	potential	ADJ
fsr-3469	460	6	insight	insight	NOUN
fsr-3469	460	7	into	into	ADP
fsr-3469	460	8	the	the	DET
fsr-3469	460	9	type	type	NOUN
fsr-3469	460	10	of	of	ADP
fsr-3469	460	11	financial	financial	ADJ
fsr-3469	460	12	service	service	NOUN
fsr-3469	460	13	model	model	NOUN
fsr-3469	460	14	each	each	DET
fsr-3469	460	15	persona	persona	NOUN
fsr-3469	460	16	may	may	AUX
fsr-3469	460	17	best	well	ADV
fsr-3469	460	18	identify	identify	VERB
fsr-3469	460	19	with	with	ADP
fsr-3469	460	20	.	.	PUNCT
fsr-3469	461	1	for	for	ADP
fsr-3469	461	2	example	example	NOUN
fsr-3469	461	3	,	,	PUNCT
fsr-3469	461	4	table	table	NOUN
fsr-3469	461	5	10	10	NUM
fsr-3469	461	6	provides	provide	VERB
fsr-3469	461	7	logistic	logistic	ADJ
fsr-3469	461	8	regression	regression	NOUN
fsr-3469	461	9	results	result	NOUN
fsr-3469	461	10	of	of	ADP
fsr-3469	461	11	the	the	DET
fsr-3469	461	12	various	various	ADJ
fsr-3469	461	13	behavioral	behavioral	ADJ
fsr-3469	461	14	finance	finance	NOUN
fsr-3469	461	15	,	,	PUNCT
fsr-3469	461	16	psychological	psychological	ADJ
fsr-3469	461	17	,	,	PUNCT
fsr-3469	461	18	retirement	retirement	NOUN
fsr-3469	461	19	concerns	concern	NOUN
fsr-3469	461	20	,	,	PUNCT
fsr-3469	461	21	and	and	CCONJ
fsr-3469	461	22	demographic	demographic	ADJ
fsr-3469	461	23	variables	variable	NOUN
fsr-3469	461	24	described	describe	VERB
fsr-3469	461	25	in	in	ADP
fsr-3469	461	26	this	this	DET
fsr-3469	461	27	investigation	investigation	NOUN
fsr-3469	461	28	for	for	ADP
fsr-3469	461	29	each	each	DET
fsr-3469	461	30	persona	persona	NOUN
fsr-3469	461	31	type	type	VERB
fsr-3469	461	32	.	.	PUNCT
fsr-3469	462	1	because	because	SCONJ
fsr-3469	462	2	the	the	DET
fsr-3469	462	3	implementation	implementation	NOUN
fsr-3469	462	4	matrix	matrix	NOUN
fsr-3469	462	5	is	be	AUX
fsr-3469	462	6	based	base	VERB
fsr-3469	462	7	on	on	ADP
fsr-3469	462	8	perceived	perceive	VERB
fsr-3469	462	9	advisor	advisor	NOUN
fsr-3469	462	10	usefulness	usefulness	NOUN
fsr-3469	462	11	and	and	CCONJ
fsr-3469	462	12	self	self	NOUN
fsr-3469	462	13	-	-	PUNCT
fsr-3469	462	14	efficacy	efficacy	NOUN
fsr-3469	462	15	,	,	PUNCT
fsr-3469	462	16	we	we	PRON
fsr-3469	462	17	did	do	AUX
fsr-3469	462	18	not	not	PART
fsr-3469	462	19	include	include	VERB
fsr-3469	462	20	these	these	DET
fsr-3469	462	21	variables	variable	NOUN
fsr-3469	462	22	in	in	ADP
fsr-3469	462	23	the	the	DET
fsr-3469	462	24	analysis	analysis	NOUN
fsr-3469	462	25	.	.	PUNCT
fsr-3469	463	1	we	we	PRON
fsr-3469	463	2	also	also	ADV
fsr-3469	463	3	remove	remove	VERB
fsr-3469	463	4	numeracy	numeracy	NOUN
fsr-3469	463	5	awareness	awareness	NOUN
fsr-3469	463	6	from	from	ADP
fsr-3469	463	7	this	this	DET
fsr-3469	463	8	analysis	analysis	NOUN
fsr-3469	463	9	due	due	ADP
fsr-3469	463	10	to	to	ADP
fsr-3469	463	11	its	its	PRON
fsr-3469	463	12	insignificant	insignificant	ADJ
fsr-3469	463	13	findings	finding	NOUN
fsr-3469	463	14	in	in	ADP
fsr-3469	463	15	the	the	DET
fsr-3469	463	16	previous	previous	ADJ
fsr-3469	463	17	multivariate	multivariate	NOUN
fsr-3469	463	18	analyses	analysis	NOUN
fsr-3469	463	19	,	,	PUNCT
fsr-3469	463	20	its	its	PRON
fsr-3469	463	21	high	high	ADJ
fsr-3469	463	22	association	association	NOUN
fsr-3469	463	23	with	with	ADP
fsr-3469	463	24	numeracy	numeracy	NOUN
fsr-3469	463	25	,	,	PUNCT
fsr-3469	463	26	and	and	CCONJ
fsr-3469	463	27	the	the	DET
fsr-3469	463	28	inclusion	inclusion	NOUN
fsr-3469	463	29	of	of	ADP
fsr-3469	463	30	other	other	ADJ
fsr-3469	463	31	retirement	retirement	NOUN
fsr-3469	463	32	income	income	NOUN
fsr-3469	463	33	concern	concern	NOUN
fsr-3469	463	34	variables	variable	VERB
fsr-3469	463	35	.	.	PUNCT
fsr-3469	464	1	while	while	SCONJ
fsr-3469	464	2	delegator	delegator	NOUN
fsr-3469	464	3	personas	persona	NOUN
fsr-3469	464	4	are	be	AUX
fsr-3469	464	5	naturally	naturally	ADV
fsr-3469	464	6	characterized	characterize	VERB
fsr-3469	464	7	by	by	ADP
fsr-3469	464	8	low	low	ADJ
fsr-3469	464	9	self	self	NOUN
fsr-3469	464	10	-	-	PUNCT
fsr-3469	464	11	efficacy	efficacy	NOUN
fsr-3469	464	12	and	and	CCONJ
fsr-3469	464	13	high	high	ADJ
fsr-3469	464	14	advisor	advisor	NOUN
fsr-3469	464	15	usefulness	usefulness	NOUN
fsr-3469	464	16	,	,	PUNCT
fsr-3469	464	17	they	they	PRON
fsr-3469	464	18	exhibit	exhibit	VERB
fsr-3469	464	19	higher	high	ADJ
fsr-3469	464	20	levels	level	NOUN
fsr-3469	464	21	of	of	ADP
fsr-3469	464	22	longevity	longevity	NOUN
fsr-3469	464	23	concerns	concern	NOUN
fsr-3469	464	24	(	(	PUNCT
fsr-3469	464	25	estimate	estimate	NOUN
fsr-3469	464	26	=	=	SYM
fsr-3469	464	27	0.43	0.43	NUM
fsr-3469	464	28	,	,	PUNCT
fsr-3469	464	29	or	or	CCONJ
fsr-3469	464	30	=	=	SYM
fsr-3469	464	31	1.54	1.54	NUM
fsr-3469	464	32	,	,	PUNCT
fsr-3469	464	33	p	p	X
fsr-3469	464	34	<	<	X
fsr-3469	464	35	.001	.001	NUM
fsr-3469	464	36	)	)	PUNCT
fsr-3469	464	37	,	,	PUNCT
fsr-3469	464	38	more	more	ADJ
fsr-3469	464	39	anxiety	anxiety	NOUN
fsr-3469	464	40	towards	towards	ADP
fsr-3469	464	41	their	their	PRON
fsr-3469	464	42	retirement	retirement	NOUN
fsr-3469	464	43	income	income	NOUN
fsr-3469	464	44	strategy	strategy	NOUN
fsr-3469	464	45	(	(	PUNCT
fsr-3469	464	46	estimate	estimate	NOUN
fsr-3469	464	47	=	=	SYM
fsr-3469	464	48	0.29	0.29	NUM
fsr-3469	464	49	,	,	PUNCT
fsr-3469	464	50	or	or	CCONJ
fsr-3469	464	51	=	=	SYM
fsr-3469	464	52	1.34	1.34	NUM
fsr-3469	464	53	,	,	PUNCT
fsr-3469	464	54	p	p	X
fsr-3469	464	55	<	<	X
fsr-3469	464	56	.01	.01	NUM
fsr-3469	464	57	)	)	PUNCT
fsr-3469	464	58	,	,	PUNCT
fsr-3469	464	59	and	and	CCONJ
fsr-3469	464	60	higher	high	ADJ
fsr-3469	464	61	levels	level	NOUN
fsr-3469	464	62	of	of	ADP
fsr-3469	464	63	financial	financial	ADJ
fsr-3469	464	64	biases	bias	NOUN
fsr-3469	464	65	(	(	PUNCT
fsr-3469	464	66	estimate	estimate	NOUN
fsr-3469	464	67	=	=	NOUN
fsr-3469	464	68	0.30	0.30	NUM
fsr-3469	464	69	,	,	PUNCT
fsr-3469	464	70	or	or	CCONJ
fsr-3469	464	71	=	=	SYM
fsr-3469	464	72	1.34	1.34	NUM
fsr-3469	464	73	,	,	PUNCT
fsr-3469	464	74	p	p	X
fsr-3469	464	75	<	<	X
fsr-3469	464	76	.01	.01	NUM
fsr-3469	464	77	)	)	PUNCT
fsr-3469	464	78	.	.	PUNCT
fsr-3469	465	1	these	these	DET
fsr-3469	465	2	potential	potential	ADJ
fsr-3469	465	3	headwinds	headwind	NOUN
fsr-3469	465	4	may	may	AUX
fsr-3469	465	5	be	be	AUX
fsr-3469	465	6	why	why	SCONJ
fsr-3469	465	7	a	a	DET
fsr-3469	465	8	delegator	delegator	NOUN
fsr-3469	465	9	persona	persona	NOUN
fsr-3469	465	10	may	may	AUX
fsr-3469	465	11	be	be	AUX
fsr-3469	465	12	more	more	ADV
fsr-3469	465	13	willing	willing	ADJ
fsr-3469	465	14	to	to	PART
fsr-3469	465	15	outsource	outsource	VERB
fsr-3469	465	16	more	more	ADV
fsr-3469	465	17	financially	financially	ADV
fsr-3469	465	18	driven	drive	VERB
fsr-3469	465	19	tasks	task	NOUN
fsr-3469	465	20	to	to	ADP
fsr-3469	465	21	professionals	professional	NOUN
fsr-3469	465	22	.	.	PUNCT
fsr-3469	466	1	within	within	ADP
fsr-3469	466	2	this	this	DET
fsr-3469	466	3	type	type	NOUN
fsr-3469	466	4	of	of	ADP
fsr-3469	466	5	advisory	advisory	ADJ
fsr-3469	466	6	relationship	relationship	NOUN
fsr-3469	466	7	,	,	PUNCT
fsr-3469	466	8	an	an	DET
fsr-3469	466	9	advisor	advisor	NOUN
fsr-3469	466	10	can	can	AUX
fsr-3469	466	11	help	help	VERB
fsr-3469	466	12	address	address	VERB
fsr-3469	466	13	these	these	DET
fsr-3469	466	14	concerns	concern	NOUN
fsr-3469	466	15	and	and	CCONJ
fsr-3469	466	16	biases	bias	NOUN
fsr-3469	466	17	with	with	ADP
fsr-3469	466	18	a	a	DET
fsr-3469	466	19	financial	financial	ADJ
fsr-3469	466	20	plan	plan	NOUN
fsr-3469	466	21	that	that	PRON
fsr-3469	466	22	focuses	focus	VERB
fsr-3469	466	23	on	on	ADP
fsr-3469	466	24	retirement	retirement	NOUN
fsr-3469	466	25	income	income	NOUN
fsr-3469	466	26	success	success	NOUN
fsr-3469	466	27	and	and	CCONJ
fsr-3469	466	28	frames	frame	VERB
fsr-3469	466	29	the	the	DET
fsr-3469	466	30	investment	investment	NOUN
fsr-3469	466	31	process	process	NOUN
fsr-3469	466	32	into	into	ADP
fsr-3469	466	33	a	a	DET
fsr-3469	466	34	more	more	ADJ
fsr-3469	466	35	goals	goal	NOUN
fsr-3469	466	36	-	-	PUNCT
fsr-3469	466	37	driven	drive	VERB
fsr-3469	466	38	outcome	outcome	NOUN
fsr-3469	466	39	.	.	PUNCT
fsr-3469	467	1	client	client	NOUN
fsr-3469	467	2	meetings	meeting	NOUN
fsr-3469	467	3	with	with	ADP
fsr-3469	467	4	specific	specific	ADJ
fsr-3469	467	5	themes	theme	NOUN
fsr-3469	467	6	that	that	PRON
fsr-3469	467	7	address	address	VERB
fsr-3469	467	8	current	current	ADJ
fsr-3469	467	9	events	event	NOUN
fsr-3469	467	10	within	within	ADP
fsr-3469	467	11	a	a	DET
fsr-3469	467	12	behavioral	behavioral	ADJ
fsr-3469	467	13	finance	finance	NOUN
fsr-3469	467	14	framework	framework	NOUN
fsr-3469	467	15	or	or	CCONJ
fsr-3469	467	16	that	that	PRON
fsr-3469	467	17	contextualize	contextualize	VERB
fsr-3469	467	18	the	the	DET
fsr-3469	467	19	investment	investment	NOUN
fsr-3469	467	20	experience	experience	NOUN
fsr-3469	467	21	may	may	AUX
fsr-3469	467	22	help	help	VERB
fsr-3469	467	23	bring	bring	VERB
fsr-3469	467	24	awareness	awareness	NOUN
fsr-3469	467	25	to	to	ADP
fsr-3469	467	26	financial	financial	ADJ
fsr-3469	467	27	biases	bias	NOUN
fsr-3469	467	28	.	.	PUNCT
fsr-3469	468	1	the	the	DET
fsr-3469	468	2	global	global	PROPN
fsr-3469	468	3	wald	wald	PROPN
fsr-3469	468	4	chi	chi	PROPN
fsr-3469	468	5	-	-	PUNCT
fsr-3469	468	6	square	square	NOUN
fsr-3469	468	7	for	for	ADP
fsr-3469	468	8	collaborators	collaborator	NOUN
fsr-3469	468	9	and	and	CCONJ
fsr-3469	468	10	the	the	DET
fsr-3469	468	11	various	various	ADJ
fsr-3469	468	12	independent	independent	ADJ
fsr-3469	468	13	variables	variable	NOUN
fsr-3469	468	14	are	be	AUX
fsr-3469	468	15	not	not	PART
fsr-3469	468	16	significant	significant	ADJ
fsr-3469	468	17	(	(	PUNCT
fsr-3469	468	18	wald	wald	X
fsr-3469	468	19	x2	x2	PROPN
fsr-3469	468	20	19.14	19.14	NUM
fsr-3469	468	21	,	,	PUNCT
fsr-3469	468	22	p	p	X
fsr-3469	468	23	<	<	X
fsr-3469	468	24	.09	.09	NUM
fsr-3469	468	25	)	)	PUNCT
fsr-3469	468	26	.	.	PUNCT
fsr-3469	469	1	collaborators	collaborator	NOUN
fsr-3469	469	2	do	do	AUX
fsr-3469	469	3	not	not	PART
fsr-3469	469	4	reliably	reliably	ADV
fsr-3469	469	5	exhibit	exhibit	VERB
fsr-3469	469	6	higher	high	ADJ
fsr-3469	469	7	or	or	CCONJ
fsr-3469	469	8	lower	low	ADJ
fsr-3469	469	9	levels	level	NOUN
fsr-3469	469	10	of	of	ADP
fsr-3469	469	11	the	the	DET
fsr-3469	469	12	various	various	ADJ
fsr-3469	469	13	factors	factor	NOUN
fsr-3469	469	14	.	.	PUNCT
fsr-3469	470	1	however	however	ADV
fsr-3469	470	2	,	,	PUNCT
fsr-3469	470	3	post	post	X
fsr-3469	470	4	hoc	hoc	X
fsr-3469	470	5	bonferroni	bonferroni	NOUN
fsr-3469	470	6	(	(	PUNCT
fsr-3469	470	7	dunn	dunn	PROPN
fsr-3469	470	8	)	)	PUNCT
fsr-3469	470	9	t	t	PROPN
fsr-3469	470	10	tests	test	NOUN
fsr-3469	470	11	reveal	reveal	VERB
fsr-3469	470	12	collaborators	collaborator	NOUN
fsr-3469	470	13	have	have	VERB
fsr-3469	470	14	higher	high	ADJ
fsr-3469	470	15	net	net	ADJ
fsr-3469	470	16	worth	worth	ADJ
fsr-3469	470	17	levels	level	NOUN
fsr-3469	470	18	than	than	ADP
fsr-3469	470	19	delegators	delegator	NOUN
fsr-3469	470	20	and	and	CCONJ
fsr-3469	470	21	validator	validator	NOUN
fsr-3469	470	22	personas	persona	NOUN
fsr-3469	470	23	(	(	PUNCT
fsr-3469	470	24	t	t	NOUN
fsr-3469	470	25	=	=	NUM
fsr-3469	470	26	2.65	2.65	NUM
fsr-3469	470	27	,	,	PUNCT
fsr-3469	470	28	p	p	X
fsr-3469	470	29	<	<	X
fsr-3469	470	30	.05	.05	NUM
fsr-3469	470	31	for	for	ADP
fsr-3469	470	32	both	both	PRON
fsr-3469	470	33	)	)	PUNCT
fsr-3469	470	34	.	.	PUNCT
fsr-3469	471	1	hence	hence	ADV
fsr-3469	471	2	,	,	PUNCT
fsr-3469	471	3	coupled	couple	VERB
fsr-3469	471	4	with	with	ADP
fsr-3469	471	5	higher	high	ADJ
fsr-3469	471	6	levels	level	NOUN
fsr-3469	471	7	of	of	ADP
fsr-3469	471	8	self	self	NOUN
fsr-3469	471	9	-	-	PUNCT
fsr-3469	471	10	efficacy	efficacy	NOUN
fsr-3469	471	11	and	and	CCONJ
fsr-3469	471	12	perceived	perceive	VERB
fsr-3469	471	13	advisor	advisor	NOUN
fsr-3469	471	14	usefulness	usefulness	NOUN
fsr-3469	471	15	,	,	PUNCT
fsr-3469	471	16	the	the	DET
fsr-3469	471	17	desire	desire	NOUN
fsr-3469	471	18	for	for	ADP
fsr-3469	471	19	collaboration	collaboration	NOUN
fsr-3469	471	20	may	may	AUX
fsr-3469	471	21	be	be	AUX
fsr-3469	471	22	due	due	ADJ
fsr-3469	471	23	to	to	ADP
fsr-3469	471	24	the	the	DET
fsr-3469	471	25	realization	realization	NOUN
fsr-3469	471	26	of	of	ADP
fsr-3469	471	27	the	the	DET
fsr-3469	471	28	added	add	VERB
fsr-3469	471	29	a.	a.	NOUN
fsr-3469	471	30	murgua	murgua	PROPN
fsr-3469	471	31	and	and	CCONJ
fsr-3469	471	32	w.	w.	PROPN
fsr-3469	471	33	pfau	pfau	PROPN
fsr-3469	471	34	/	/	SYM
fsr-3469	471	35	financial	financial	ADJ
fsr-3469	471	36	services	service	NOUN
fsr-3469	471	37	review	review	VERB
fsr-3469	471	38	30	30	NUM
fsr-3469	471	39	(	(	PUNCT
fsr-3469	471	40	2022	2022	NUM
fsr-3469	471	41	)	)	PUNCT
fsr-3469	471	42	1–29	1–29	PROPN
fsr-3469	471	43	23	23	NUM
fsr-3469	471	44	t	t	PROPN
fsr-3469	471	45	ab	ab	X
fsr-3469	471	46	le	le	PROPN
fsr-3469	471	47	9	9	NUM
fsr-3469	471	48	f	f	X
fsr-3469	471	49	re	re	X
fsr-3469	471	50	q	q	PROPN
fsr-3469	471	51	u	u	X
fsr-3469	471	52	en	en	ADP
fsr-3469	471	53	cy	cy	PROPN
fsr-3469	471	54	o	o	PROPN
fsr-3469	471	55	f	f	PROPN
fsr-3469	472	1	i	i	PRON
fsr-3469	472	2	m	m	VERB
fsr-3469	472	3	p	p	X
fsr-3469	472	4	le	le	X
fsr-3469	472	5	m	m	VERB
fsr-3469	472	6	en	en	ADP
fsr-3469	472	7	ta	ta	X
fsr-3469	472	8	ti	ti	PROPN
fsr-3469	472	9	o	o	PROPN
fsr-3469	472	10	n	n	PROPN
fsr-3469	472	11	b	b	PROPN
fsr-3469	472	12	y	y	PROPN
fsr-3469	472	13	in	in	ADP
fsr-3469	472	14	v	v	NUM
fsr-3469	472	15	es	es	ADP
fsr-3469	472	16	to	to	ADP
fsr-3469	472	17	r	r	NOUN
fsr-3469	472	18	p	p	NOUN
fsr-3469	473	1	er	er	INTJ
fsr-3469	473	2	so	so	ADV
fsr-3469	473	3	n	n	PROPN
fsr-3469	473	4	as	as	ADP
fsr-3469	473	5	d	d	PROPN
fsr-3469	473	6	el	el	PROPN
fsr-3469	473	7	eg	eg	NOUN
fsr-3469	473	8	at	at	ADP
fsr-3469	473	9	o	o	PROPN
fsr-3469	473	10	rs	rs	NOUN
fsr-3469	474	1	c	c	NOUN
fsr-3469	474	2	o	o	INTJ
fsr-3469	475	1	ll	ll	AUX
fsr-3469	475	2	ab	ab	PROPN
fsr-3469	475	3	o	o	X
fsr-3469	475	4	ra	ra	PROPN
fsr-3469	475	5	to	to	PART
fsr-3469	475	6	rs	rs	VERB
fsr-3469	475	7	in	in	ADP
fsr-3469	475	8	ad	ad	NOUN
fsr-3469	475	9	v	v	NOUN
fsr-3469	475	10	is	be	AUX
fsr-3469	475	11	o	o	NOUN
fsr-3469	475	12	r	r	NOUN
fsr-3469	475	13	re	re	NOUN
fsr-3469	475	14	la	la	ADV
fsr-3469	475	15	ti	ti	X
fsr-3469	475	16	o	o	PROPN
fsr-3469	475	17	n	n	ADV
fsr-3469	475	18	sh	sh	INTJ
fsr-3469	475	19	ip	ip	VERB
fsr-3469	475	20	y	y	PROPN
fsr-3469	475	21	es	es	NOUN
fsr-3469	475	22	n	n	INTJ
fsr-3469	475	23	o	o	X
fsr-3469	475	24	y	y	NOUN
fsr-3469	475	25	es	es	X
fsr-3469	475	26	n	n	INTJ
fsr-3469	475	27	o	o	X
fsr-3469	475	28	f	f	X
fsr-3469	475	29	re	re	ADJ
fsr-3469	475	30	q	q	PROPN
fsr-3469	475	31	u	u	PROPN
fsr-3469	475	32	en	en	PROPN
fsr-3469	475	33	cy	cy	PROPN
fsr-3469	475	34	1	1	NUM
fsr-3469	475	35	2	2	NUM
fsr-3469	475	36	2	2	NUM
fsr-3469	475	37	2	2	NUM
fsr-3469	475	38	1	1	NUM
fsr-3469	475	39	0	0	NUM
fsr-3469	475	40	8	8	NUM
fsr-3469	475	41	3	3	NUM
fsr-3469	475	42	9	9	NUM
fsr-3469	475	43	6	6	NUM
fsr-3469	475	44	p	p	NOUN
fsr-3469	475	45	er	er	INTJ
fsr-3469	475	46	ce	ce	PROPN
fsr-3469	475	47	n	n	PROPN
fsr-3469	475	48	t	t	PROPN
fsr-3469	475	49	“	"	PUNCT
fsr-3469	475	50	y	y	PROPN
fsr-3469	475	51	es	es	PROPN
fsr-3469	475	52	”	"	PUNCT
fsr-3469	475	53	3	3	NUM
fsr-3469	475	54	6	6	NUM
fsr-3469	475	55	.8	.8	NUM
fsr-3469	475	56	6	6	NUM
fsr-3469	475	57	3	3	NUM
fsr-3469	475	58	.3	.3	NUM
fsr-3469	475	59	4	4	NUM
fsr-3469	475	60	6	6	NUM
fsr-3469	475	61	.4	.4	NUM
fsr-3469	475	62	5	5	NUM
fsr-3469	475	63	3	3	NUM
fsr-3469	475	64	.6	.6	NUM
fsr-3469	475	65	v	v	PROPN
fsr-3469	476	1	al	al	PROPN
fsr-3469	476	2	i	i	PROPN
fsr-3469	476	3	d	d	PROPN
fsr-3469	476	4	at	at	ADP
fsr-3469	476	5	o	o	PROPN
fsr-3469	477	1	rs	rs	PROPN
fsr-3469	477	2	s	s	PROPN
fsr-3469	477	3	el	el	PROPN
fsr-3469	477	4	fd	fd	PROPN
fsr-3469	477	5	ir	ir	PROPN
fsr-3469	477	6	ec	ec	PROPN
fsr-3469	477	7	te	te	PROPN
fsr-3469	477	8	d	d	PROPN
fsr-3469	477	9	in	in	ADP
fsr-3469	477	10	ad	ad	NOUN
fsr-3469	477	11	v	v	NOUN
fsr-3469	477	12	is	be	AUX
fsr-3469	477	13	o	o	NOUN
fsr-3469	477	14	r	r	NOUN
fsr-3469	477	15	re	re	NOUN
fsr-3469	477	16	la	la	ADV
fsr-3469	477	17	ti	ti	X
fsr-3469	477	18	o	o	PROPN
fsr-3469	477	19	n	n	ADV
fsr-3469	477	20	sh	sh	INTJ
fsr-3469	477	21	ip	ip	VERB
fsr-3469	477	22	y	y	PROPN
fsr-3469	477	23	es	es	NOUN
fsr-3469	477	24	n	n	INTJ
fsr-3469	477	25	o	o	X
fsr-3469	477	26	y	y	NOUN
fsr-3469	477	27	es	es	X
fsr-3469	477	28	n	n	INTJ
fsr-3469	477	29	o	o	X
fsr-3469	477	30	f	f	X
fsr-3469	477	31	re	re	ADJ
fsr-3469	477	32	q	q	PROPN
fsr-3469	477	33	u	u	PROPN
fsr-3469	477	34	en	en	ADP
fsr-3469	477	35	cy	cy	PROPN
fsr-3469	477	36	1	1	NUM
fsr-3469	477	37	6	6	NUM
fsr-3469	477	38	1	1	NUM
fsr-3469	477	39	0	0	NUM
fsr-3469	477	40	7	7	NUM
fsr-3469	477	41	3	3	NUM
fsr-3469	477	42	6	6	NUM
fsr-3469	477	43	2	2	NUM
fsr-3469	477	44	9	9	NUM
fsr-3469	477	45	5	5	NUM
fsr-3469	477	46	p	p	NOUN
fsr-3469	477	47	er	er	INTJ
fsr-3469	477	48	ce	ce	PROPN
fsr-3469	477	49	n	n	PROPN
fsr-3469	477	50	t	t	PROPN
fsr-3469	477	51	“	"	PUNCT
fsr-3469	477	52	y	y	PROPN
fsr-3469	477	53	es	es	PROPN
fsr-3469	477	54	”	"	PUNCT
fsr-3469	477	55	1	1	NUM
fsr-3469	477	56	3	3	NUM
fsr-3469	477	57	.0	.0	NUM
fsr-3469	477	58	8	8	NUM
fsr-3469	477	59	7	7	NUM
fsr-3469	477	60	.0	.0	NUM
fsr-3469	477	61	1	1	NUM
fsr-3469	477	62	0	0	NUM
fsr-3469	477	63	.9	.9	NUM
fsr-3469	477	64	8	8	NUM
fsr-3469	477	65	9	9	NUM
fsr-3469	477	66	.1	.1	NUM
fsr-3469	477	67	t	t	NOUN
fsr-3469	477	68	o	o	X
fsr-3469	477	69	ta	ta	X
fsr-3469	477	70	l	l	PROPN
fsr-3469	477	71	sa	sa	PROPN
fsr-3469	477	72	m	m	PROPN
fsr-3469	477	73	p	p	X
fsr-3469	477	74	le	le	ADP
fsr-3469	477	75	9	9	NUM
fsr-3469	477	76	6	6	NUM
fsr-3469	477	77	5	5	NUM
fsr-3469	477	78	24	24	NUM
fsr-3469	477	79	a.	a.	NOUN
fsr-3469	477	80	murguı́a	murguı́a	NOUN
fsr-3469	477	81	and	and	CCONJ
fsr-3469	477	82	w.	w.	NOUN
fsr-3469	477	83	pfau	pfau	PROPN
fsr-3469	477	84	/	/	SYM
fsr-3469	477	85	financial	financial	ADJ
fsr-3469	477	86	services	service	NOUN
fsr-3469	477	87	review	review	VERB
fsr-3469	477	88	30	30	NUM
fsr-3469	477	89	(	(	PUNCT
fsr-3469	477	90	2022	2022	NUM
fsr-3469	477	91	)	)	PUNCT
fsr-3469	477	92	1–29	1–29	PROPN
fsr-3469	477	93	table	table	NOUN
fsr-3469	477	94	10	10	NUM
fsr-3469	477	95	logistic	logistic	ADJ
fsr-3469	477	96	regression	regression	NOUN
fsr-3469	477	97	analysis	analysis	NOUN
fsr-3469	477	98	of	of	ADP
fsr-3469	477	99	psychological	psychological	ADJ
fsr-3469	477	100	and	and	CCONJ
fsr-3469	477	101	behavioral	behavioral	ADJ
fsr-3469	477	102	finance	finance	NOUN
fsr-3469	477	103	constructs	construct	NOUN
fsr-3469	477	104	and	and	CCONJ
fsr-3469	477	105	investor	investor	NOUN
fsr-3469	477	106	type	type	NOUN
fsr-3469	477	107	delegator	delegator	NOUN
fsr-3469	477	108	collaborator	collaborator	NOUN
fsr-3469	477	109	self	self	NOUN
fsr-3469	477	110	-	-	PUNCT
fsr-3469	477	111	directed	direct	VERB
fsr-3469	477	112	validator	validator	NOUN
fsr-3469	477	113	sample	sample	NOUN
fsr-3469	477	114	576	576	NUM
fsr-3469	477	115	576	576	NUM
fsr-3469	477	116	576	576	NUM
fsr-3469	477	117	576	576	NUM
fsr-3469	477	118	wald	wald	NOUN
fsr-3469	477	119	test	test	NOUN
fsr-3469	477	120	(	(	PUNCT
fsr-3469	477	121	x2	x2	PROPN
fsr-3469	477	122	)	)	PUNCT
fsr-3469	477	123	67.47	67.47	NUM
fsr-3469	477	124	19.14	19.14	NUM
fsr-3469	477	125	73.85	73.85	NUM
fsr-3469	477	126	27.99	27.99	NUM
fsr-3469	477	127	pr	pr	NOUN
fsr-3469	477	128	>	>	X
fsr-3469	477	129	x2	x2	PROPN
fsr-3469	478	1	*	*	PUNCT
fsr-3469	478	2	*	*	PUNCT
fsr-3469	478	3	*	*	PUNCT
fsr-3469	478	4	*	*	PUNCT
fsr-3469	479	1	0.09	0.09	NUM
fsr-3469	479	2	*	*	PUNCT
fsr-3469	479	3	*	*	PUNCT
fsr-3469	479	4	*	*	PUNCT
fsr-3469	479	5	*	*	PUNCT
fsr-3469	480	1	*	*	PUNCT
fsr-3469	480	2	*	*	PUNCT
fsr-3469	480	3	c	c	X
fsr-3469	480	4	-	-	PUNCT
fsr-3469	480	5	statistic	statistic	NOUN
fsr-3469	480	6	0.73	0.73	NUM
fsr-3469	480	7	0.63	0.63	NUM
fsr-3469	480	8	0.74	0.74	NUM
fsr-3469	480	9	0.69	0.69	NUM
fsr-3469	480	10	rescaled	rescaled	ADJ
fsr-3469	480	11	r2	r2	PROPN
fsr-3469	480	12	0.19	0.19	NUM
fsr-3469	480	13	0.06	0.06	NUM
fsr-3469	480	14	0.21	0.21	NUM
fsr-3469	480	15	0.10	0.10	NUM
fsr-3469	480	16	intercept	intercept	NOUN
fsr-3469	480	17	estimate	estimate	NOUN
fsr-3469	480	18	�	�	PROPN
fsr-3469	480	19	0.88	0.88	NUM
fsr-3469	480	20	�	�	PROPN
fsr-3469	480	21	1.44	1.44	NUM
fsr-3469	480	22	�	�	PROPN
fsr-3469	480	23	0.87	0.87	NUM
fsr-3469	480	24	�	�	PROPN
fsr-3469	480	25	1.96	1.96	NUM
fsr-3469	480	26	standard	standard	ADJ
fsr-3469	480	27	error	error	NOUN
fsr-3469	480	28	0.16	0.16	NUM
fsr-3469	480	29	0.17	0.17	NUM
fsr-3469	480	30	0.17	0.17	NUM
fsr-3469	480	31	0.20	0.20	NUM
fsr-3469	480	32	probability	probability	NOUN
fsr-3469	480	33	<	<	X
fsr-3469	480	34	0.0001	0.0001	NUM
fsr-3469	480	35	<	<	X
fsr-3469	480	36	0.0001	0.0001	NUM
fsr-3469	480	37	<	<	X
fsr-3469	480	38	0.0001	0.0001	NUM
fsr-3469	480	39	<	<	NOUN
fsr-3469	480	40	0.0001	0.0001	NUM
fsr-3469	480	41	lifestyle	lifestyle	NOUN
fsr-3469	480	42	concern	concern	NOUN
fsr-3469	480	43	odds	odd	VERB
fsr-3469	480	44	ratio	ratio	NOUN
fsr-3469	480	45	1.02	1.02	NUM
fsr-3469	480	46	0.93	0.93	NUM
fsr-3469	480	47	1.07	1.07	NUM
fsr-3469	480	48	0.89	0.89	NUM
fsr-3469	480	49	estimate	estimate	NOUN
fsr-3469	480	50	0.02	0.02	NUM
fsr-3469	480	51	�	�	NOUN
fsr-3469	480	52	0.07	0.07	NUM
fsr-3469	480	53	0.07	0.07	NUM
fsr-3469	480	54	�	�	PROPN
fsr-3469	480	55	0.11	0.11	NUM
fsr-3469	480	56	standard	standard	ADJ
fsr-3469	480	57	error	error	NOUN
fsr-3469	480	58	0.11	0.11	NUM
fsr-3469	480	59	0.12	0.12	NUM
fsr-3469	480	60	0.10	0.10	NUM
fsr-3469	480	61	0.14	0.14	NUM
fsr-3469	480	62	probability	probability	NOUN
fsr-3469	480	63	0.86	0.86	NUM
fsr-3469	480	64	0.54	0.54	NUM
fsr-3469	480	65	0.53	0.53	NUM
fsr-3469	480	66	0.41	0.41	NUM
fsr-3469	480	67	longevity	longevity	NOUN
fsr-3469	480	68	concern	concern	NOUN
fsr-3469	480	69	odds	odd	VERB
fsr-3469	480	70	ratio	ratio	NOUN
fsr-3469	480	71	1.54	1.54	NUM
fsr-3469	480	72	0.85	0.85	NUM
fsr-3469	480	73	0.53	0.53	NUM
fsr-3469	480	74	1.37	1.37	NUM
fsr-3469	480	75	estimate	estimate	NOUN
fsr-3469	480	76	0.43	0.43	NUM
fsr-3469	480	77	�	�	PROPN
fsr-3469	480	78	0.17	0.17	NUM
fsr-3469	480	79	�	�	PROPN
fsr-3469	480	80	0.64	0.64	NUM
fsr-3469	480	81	0.31	0.31	NUM
fsr-3469	480	82	standard	standard	ADJ
fsr-3469	480	83	error	error	NOUN
fsr-3469	480	84	0.12	0.12	NUM
fsr-3469	480	85	0.14	0.14	NUM
fsr-3469	480	86	0.14	0.14	NUM
fsr-3469	480	87	0.15	0.15	NUM
fsr-3469	480	88	probability	probability	NOUN
fsr-3469	480	89	*	*	PUNCT
fsr-3469	480	90	*	*	PUNCT
fsr-3469	480	91	*	*	PUNCT
fsr-3469	480	92	0.25	0.25	NUM
fsr-3469	480	93	*	*	PUNCT
fsr-3469	480	94	*	*	PUNCT
fsr-3469	480	95	*	*	PUNCT
fsr-3469	480	96	*	*	PUNCT
fsr-3469	480	97	*	*	PUNCT
fsr-3469	480	98	liquidity	liquidity	NOUN
fsr-3469	480	99	concern	concern	NOUN
fsr-3469	480	100	odds	odd	VERB
fsr-3469	480	101	ratio	ratio	NOUN
fsr-3469	480	102	1.18	1.18	NUM
fsr-3469	480	103	0.98	0.98	NUM
fsr-3469	480	104	0.95	0.95	NUM
fsr-3469	480	105	0.86	0.86	NUM
fsr-3469	480	106	estimate	estimate	NOUN
fsr-3469	480	107	0.17	0.17	NUM
fsr-3469	480	108	�	�	PROPN
fsr-3469	480	109	0.03	0.03	NUM
fsr-3469	480	110	�	�	PROPN
fsr-3469	480	111	0.05	0.05	NUM
fsr-3469	480	112	�	�	PROPN
fsr-3469	480	113	0.15	0.15	NUM
fsr-3469	480	114	standard	standard	ADJ
fsr-3469	480	115	error	error	NOUN
fsr-3469	480	116	0.11	0.11	NUM
fsr-3469	480	117	0.13	0.13	NUM
fsr-3469	480	118	0.11	0.11	NUM
fsr-3469	480	119	0.15	0.15	NUM
fsr-3469	480	120	probability	probability	NOUN
fsr-3469	480	121	0.14	0.14	NUM
fsr-3469	480	122	0.84	0.84	NUM
fsr-3469	480	123	0.65	0.65	NUM
fsr-3469	480	124	0.33	0.33	NUM
fsr-3469	480	125	retirement	retirement	NOUN
fsr-3469	480	126	income	income	NOUN
fsr-3469	480	127	anxiety	anxiety	NOUN
fsr-3469	480	128	odds	odd	VERB
fsr-3469	480	129	ratio	ratio	NOUN
fsr-3469	480	130	1.34	1.34	NUM
fsr-3469	480	131	0.78	0.78	NUM
fsr-3469	480	132	0.82	0.82	NUM
fsr-3469	480	133	1.30	1.30	NUM
fsr-3469	480	134	estimate	estimate	NOUN
fsr-3469	480	135	0.29	0.29	NUM
fsr-3469	480	136	�	�	PROPN
fsr-3469	480	137	0.25	0.25	NUM
fsr-3469	480	138	�	�	NOUN
fsr-3469	480	139	0.20	0.20	NUM
fsr-3469	480	140	0.26	0.26	NUM
fsr-3469	480	141	standard	standard	ADJ
fsr-3469	480	142	error	error	NOUN
fsr-3469	480	143	0.11	0.11	NUM
fsr-3469	480	144	0.13	0.13	NUM
fsr-3469	480	145	0.11	0.11	NUM
fsr-3469	480	146	0.15	0.15	NUM
fsr-3469	480	147	probability	probability	NOUN
fsr-3469	480	148	*	*	PUNCT
fsr-3469	480	149	*	*	PUNCT
fsr-3469	480	150	*	*	PUNCT
fsr-3469	480	151	0.06	0.06	NUM
fsr-3469	480	152	0.08	0.08	NUM
fsr-3469	480	153	financial	financial	ADJ
fsr-3469	480	154	biases	bias	NOUN
fsr-3469	480	155	odds	odd	VERB
fsr-3469	480	156	ratio	ratio	NOUN
fsr-3469	480	157	1.34	1.34	NUM
fsr-3469	480	158	1.13	1.13	NUM
fsr-3469	480	159	0.79	0.79	NUM
fsr-3469	480	160	0.83	0.83	NUM
fsr-3469	480	161	estimate	estimate	NOUN
fsr-3469	480	162	0.30	0.30	NUM
fsr-3469	480	163	0.12	0.12	NUM
fsr-3469	480	164	�	�	PROPN
fsr-3469	480	165	0.24	0.24	NUM
fsr-3469	480	166	�	�	PROPN
fsr-3469	480	167	0.19	0.19	NUM
fsr-3469	480	168	standard	standard	ADJ
fsr-3469	480	169	error	error	NOUN
fsr-3469	480	170	0.11	0.11	NUM
fsr-3469	480	171	0.12	0.12	NUM
fsr-3469	480	172	0.10	0.10	NUM
fsr-3469	480	173	0.14	0.14	NUM
fsr-3469	480	174	probability	probability	NOUN
fsr-3469	480	175	*	*	PUNCT
fsr-3469	480	176	*	*	NOUN
fsr-3469	480	177	0.31	0.31	NUM
fsr-3469	480	178	*	*	PUNCT
fsr-3469	480	179	0.17	0.17	NUM
fsr-3469	480	180	inertia	inertia	NOUN
fsr-3469	480	181	odds	odd	NOUN
fsr-3469	480	182	ratio	ratio	NOUN
fsr-3469	480	183	1.14	1.14	NUM
fsr-3469	480	184	1.05	1.05	NUM
fsr-3469	480	185	0.75	0.75	NUM
fsr-3469	480	186	1.09	1.09	NUM
fsr-3469	480	187	estimate	estimate	NOUN
fsr-3469	480	188	0.13	0.13	NUM
fsr-3469	480	189	0.05	0.05	NUM
fsr-3469	480	190	�	�	PROPN
fsr-3469	480	191	0.29	0.29	NUM
fsr-3469	480	192	0.08	0.08	NUM
fsr-3469	480	193	standard	standard	ADJ
fsr-3469	480	194	error	error	NOUN
fsr-3469	480	195	0.09	0.09	NUM
fsr-3469	480	196	0.11	0.11	NUM
fsr-3469	480	197	0.10	0.10	NUM
fsr-3469	480	198	0.12	0.12	NUM
fsr-3469	480	199	probability	probability	NOUN
fsr-3469	480	200	0.15	0.15	NUM
fsr-3469	480	201	0.62	0.62	NUM
fsr-3469	480	202	*	*	PUNCT
fsr-3469	480	203	*	*	PUNCT
fsr-3469	480	204	0.48	0.48	NUM
fsr-3469	480	205	numeracy	numeracy	NOUN
fsr-3469	480	206	odds	odd	NOUN
fsr-3469	480	207	ratio	ratio	NOUN
fsr-3469	480	208	0.99	0.99	NUM
fsr-3469	480	209	1.00	1.00	NUM
fsr-3469	480	210	1.12	1.12	NUM
fsr-3469	480	211	0.86	0.86	NUM
fsr-3469	480	212	estimate	estimate	NOUN
fsr-3469	480	213	�	�	NOUN
fsr-3469	480	214	0.01	0.01	NUM
fsr-3469	480	215	0.00	0.00	NUM
fsr-3469	480	216	0.11	0.11	NUM
fsr-3469	480	217	�	�	PROPN
fsr-3469	480	218	0.15	0.15	NUM
fsr-3469	480	219	standard	standard	ADJ
fsr-3469	480	220	error	error	NOUN
fsr-3469	480	221	0.10	0.10	NUM
fsr-3469	480	222	0.12	0.12	NUM
fsr-3469	480	223	0.10	0.10	NUM
fsr-3469	480	224	0.14	0.14	NUM
fsr-3469	480	225	probability	probability	NOUN
fsr-3469	480	226	0.90	0.90	NUM
fsr-3469	480	227	0.98	0.98	NUM
fsr-3469	480	228	0.29	0.29	NUM
fsr-3469	480	229	0.28	0.28	NUM
fsr-3469	480	230	portfolio	portfolio	NOUN
fsr-3469	480	231	loss	loss	NOUN
fsr-3469	480	232	aversion	aversion	NOUN
fsr-3469	480	233	tolerance	tolerance	NOUN
fsr-3469	480	234	odds	odd	NOUN
fsr-3469	480	235	ratio	ratio	VERB
fsr-3469	480	236	0.96	0.96	NUM
fsr-3469	480	237	0.97	0.97	NUM
fsr-3469	480	238	1.21	1.21	NUM
fsr-3469	480	239	0.75	0.75	NUM
fsr-3469	480	240	estimate	estimate	NOUN
fsr-3469	480	241	�	�	PROPN
fsr-3469	480	242	0.05	0.05	NUM
fsr-3469	480	243	�	�	PROPN
fsr-3469	480	244	0.03	0.03	NUM
fsr-3469	480	245	0.19	0.19	NUM
fsr-3469	480	246	�	�	PROPN
fsr-3469	480	247	0.29	0.29	NUM
fsr-3469	480	248	standard	standard	ADJ
fsr-3469	480	249	error	error	NOUN
fsr-3469	480	250	0.11	0.11	NUM
fsr-3469	480	251	0.12	0.12	NUM
fsr-3469	480	252	0.10	0.10	NUM
fsr-3469	480	253	0.15	0.15	NUM
fsr-3469	480	254	probability	probability	NOUN
fsr-3469	480	255	0.67	0.67	NUM
fsr-3469	480	256	0.78	0.78	NUM
fsr-3469	480	257	0.07	0.07	NUM
fsr-3469	480	258	*	*	PUNCT
fsr-3469	480	259	gender	gender	NOUN
fsr-3469	480	260	odds	odd	NOUN
fsr-3469	480	261	ratio	ratio	NOUN
fsr-3469	480	262	0.73	0.73	NUM
fsr-3469	480	263	1.14	1.14	NUM
fsr-3469	480	264	1.00	1.00	NUM
fsr-3469	480	265	1.35	1.35	NUM
fsr-3469	480	266	(	(	PUNCT
fsr-3469	480	267	continued	continue	VERB
fsr-3469	480	268	on	on	ADP
fsr-3469	480	269	next	next	ADJ
fsr-3469	480	270	page	page	NOUN
fsr-3469	480	271	)	)	PUNCT
fsr-3469	480	272	a.	a.	PROPN
fsr-3469	480	273	murgua	murgua	PROPN
fsr-3469	480	274	and	and	CCONJ
fsr-3469	480	275	w.	w.	PROPN
fsr-3469	480	276	pfau	pfau	PROPN
fsr-3469	480	277	/	/	SYM
fsr-3469	480	278	financial	financial	ADJ
fsr-3469	480	279	services	service	NOUN
fsr-3469	480	280	review	review	VERB
fsr-3469	480	281	30	30	NUM
fsr-3469	480	282	(	(	PUNCT
fsr-3469	480	283	2022	2022	NUM
fsr-3469	480	284	)	)	PUNCT
fsr-3469	480	285	1–29	1–29	PROPN
fsr-3469	480	286	25	25	NUM
fsr-3469	480	287	complexities	complexity	NOUN
fsr-3469	480	288	that	that	PRON
fsr-3469	480	289	arise	arise	VERB
fsr-3469	480	290	from	from	ADP
fsr-3469	480	291	greater	great	ADJ
fsr-3469	480	292	amounts	amount	NOUN
fsr-3469	480	293	of	of	ADP
fsr-3469	480	294	wealth	wealth	NOUN
fsr-3469	480	295	.	.	PUNCT
fsr-3469	481	1	while	while	SCONJ
fsr-3469	481	2	a	a	DET
fsr-3469	481	3	delegator	delegator	NOUN
fsr-3469	481	4	may	may	AUX
fsr-3469	481	5	appreciate	appreciate	VERB
fsr-3469	481	6	an	an	DET
fsr-3469	481	7	advisor	advisor	NOUN
fsr-3469	481	8	taking	take	VERB
fsr-3469	481	9	the	the	DET
fsr-3469	481	10	lead	lead	NOUN
fsr-3469	481	11	,	,	PUNCT
fsr-3469	481	12	a	a	DET
fsr-3469	481	13	collaborator	collaborator	NOUN
fsr-3469	481	14	may	may	AUX
fsr-3469	481	15	prefer	prefer	VERB
fsr-3469	481	16	situations	situation	NOUN
fsr-3469	481	17	that	that	PRON
fsr-3469	481	18	allow	allow	VERB
fsr-3469	481	19	for	for	ADP
fsr-3469	481	20	active	active	ADJ
fsr-3469	481	21	input	input	NOUN
fsr-3469	481	22	in	in	ADP
fsr-3469	481	23	developing	develop	VERB
fsr-3469	481	24	and	and	CCONJ
fsr-3469	481	25	implementing	implement	VERB
fsr-3469	481	26	a	a	DET
fsr-3469	481	27	retirement	retirement	NOUN
fsr-3469	481	28	income	income	NOUN
fsr-3469	481	29	strategy	strategy	NOUN
fsr-3469	481	30	.	.	PUNCT
fsr-3469	482	1	high	high	ADJ
fsr-3469	482	2	levels	level	NOUN
fsr-3469	482	3	of	of	ADP
fsr-3469	482	4	communication	communication	NOUN
fsr-3469	482	5	and	and	CCONJ
fsr-3469	482	6	providing	provide	VERB
fsr-3469	482	7	sound	sound	NOUN
fsr-3469	482	8	reasoning	reasoning	NOUN
fsr-3469	482	9	behind	behind	ADP
fsr-3469	482	10	the	the	DET
fsr-3469	482	11	decision	decision	NOUN
fsr-3469	482	12	-	-	PUNCT
fsr-3469	482	13	making	make	VERB
fsr-3469	482	14	process	process	NOUN
fsr-3469	482	15	is	be	AUX
fsr-3469	482	16	most	most	ADV
fsr-3469	482	17	appropriate	appropriate	ADJ
fsr-3469	482	18	with	with	ADP
fsr-3469	482	19	this	this	DET
fsr-3469	482	20	persona	persona	NOUN
fsr-3469	482	21	.	.	PUNCT
fsr-3469	483	1	in	in	ADP
fsr-3469	483	2	contrast	contrast	NOUN
fsr-3469	483	3	to	to	ADP
fsr-3469	483	4	a	a	DET
fsr-3469	483	5	delegator	delegator	NOUN
fsr-3469	483	6	that	that	PRON
fsr-3469	483	7	may	may	AUX
fsr-3469	483	8	just	just	ADV
fsr-3469	483	9	want	want	VERB
fsr-3469	483	10	to	to	PART
fsr-3469	483	11	know	know	VERB
fsr-3469	483	12	the	the	DET
fsr-3469	483	13	proverbial	proverbial	ADJ
fsr-3469	483	14	“	"	PUNCT
fsr-3469	483	15	time	time	NOUN
fsr-3469	483	16	,	,	PUNCT
fsr-3469	483	17	”	"	PUNCT
fsr-3469	483	18	the	the	DET
fsr-3469	483	19	collaborator	collaborator	NOUN
fsr-3469	483	20	may	may	AUX
fsr-3469	483	21	also	also	ADV
fsr-3469	483	22	want	want	VERB
fsr-3469	483	23	to	to	PART
fsr-3469	483	24	know	know	VERB
fsr-3469	483	25	“	"	PUNCT
fsr-3469	483	26	how	how	SCONJ
fsr-3469	483	27	the	the	DET
fsr-3469	483	28	clock	clock	NOUN
fsr-3469	483	29	is	be	AUX
fsr-3469	483	30	made	make	VERB
fsr-3469	483	31	.	.	PUNCT
fsr-3469	483	32	”	"	PUNCT
fsr-3469	484	1	diagonally	diagonally	ADV
fsr-3469	484	2	across	across	ADV
fsr-3469	484	3	from	from	ADP
fsr-3469	484	4	delegators	delegator	NOUN
fsr-3469	484	5	,	,	PUNCT
fsr-3469	484	6	on	on	ADP
fsr-3469	484	7	the	the	DET
fsr-3469	484	8	implementation	implementation	NOUN
fsr-3469	484	9	matrix	matrix	NOUN
fsr-3469	484	10	,	,	PUNCT
fsr-3469	484	11	are	be	AUX
fsr-3469	484	12	self	self	NOUN
fsr-3469	484	13	-	-	PUNCT
fsr-3469	484	14	directed	direct	VERB
fsr-3469	484	15	investors	investor	NOUN
fsr-3469	484	16	.	.	PUNCT
fsr-3469	485	1	while	while	SCONJ
fsr-3469	485	2	they	they	PRON
fsr-3469	485	3	exhibit	exhibit	VERB
fsr-3469	485	4	a	a	DET
fsr-3469	485	5	high	high	ADJ
fsr-3469	485	6	degree	degree	NOUN
fsr-3469	485	7	of	of	ADP
fsr-3469	485	8	self	self	NOUN
fsr-3469	485	9	-	-	PUNCT
fsr-3469	485	10	efficacy	efficacy	NOUN
fsr-3469	485	11	and	and	CCONJ
fsr-3469	485	12	low	low	ADJ
fsr-3469	485	13	perceived	perceive	VERB
fsr-3469	485	14	advisor	advisor	NOUN
fsr-3469	485	15	usefulness	usefulness	NOUN
fsr-3469	485	16	,	,	PUNCT
fsr-3469	485	17	selfdirected	selfdirecte	VERB
fsr-3469	485	18	investors	investor	NOUN
fsr-3469	485	19	also	also	ADV
fsr-3469	485	20	exhibit	exhibit	VERB
fsr-3469	485	21	a	a	DET
fsr-3469	485	22	significant	significant	ADJ
fsr-3469	485	23	negative	negative	ADJ
fsr-3469	485	24	relationship	relationship	NOUN
fsr-3469	485	25	with	with	ADP
fsr-3469	485	26	longevity	longevity	NOUN
fsr-3469	485	27	concerns	concern	NOUN
fsr-3469	485	28	(	(	PUNCT
fsr-3469	485	29	estimate	estimate	NOUN
fsr-3469	485	30	=	=	SYM
fsr-3469	485	31	�	�	PROPN
fsr-3469	485	32	0.64	0.64	NUM
fsr-3469	485	33	,	,	PUNCT
fsr-3469	485	34	or	or	CCONJ
fsr-3469	485	35	=	=	NOUN
fsr-3469	485	36	0.53	0.53	NUM
fsr-3469	485	37	,	,	PUNCT
fsr-3469	485	38	p	p	X
fsr-3469	485	39	<	<	X
fsr-3469	485	40	.0001	.0001	NOUN
fsr-3469	485	41	)	)	PUNCT
fsr-3469	485	42	,	,	PUNCT
fsr-3469	485	43	financial	financial	ADJ
fsr-3469	485	44	biases	bias	NOUN
fsr-3469	485	45	(	(	PUNCT
fsr-3469	485	46	estimate	estimate	VERB
fsr-3469	485	47	=	=	SYM
fsr-3469	485	48	�	�	PROPN
fsr-3469	485	49	0.24	0.24	NUM
fsr-3469	485	50	,	,	PUNCT
fsr-3469	485	51	or	or	CCONJ
fsr-3469	485	52	=	=	NUM
fsr-3469	485	53	0.79	0.79	NUM
fsr-3469	485	54	,	,	PUNCT
fsr-3469	485	55	p	p	X
fsr-3469	485	56	<	<	X
fsr-3469	485	57	.05	.05	NUM
fsr-3469	485	58	)	)	PUNCT
fsr-3469	485	59	,	,	PUNCT
fsr-3469	485	60	and	and	CCONJ
fsr-3469	485	61	inertia	inertia	NOUN
fsr-3469	485	62	(	(	PUNCT
fsr-3469	485	63	estimate	estimate	NOUN
fsr-3469	485	64	=	=	SYM
fsr-3469	485	65	�	�	PROPN
fsr-3469	485	66	0.29	0.29	NUM
fsr-3469	485	67	,	,	PUNCT
fsr-3469	485	68	or	or	CCONJ
fsr-3469	485	69	=	=	NOUN
fsr-3469	485	70	0.75	0.75	NUM
fsr-3469	485	71	,	,	PUNCT
fsr-3469	485	72	p	p	X
fsr-3469	485	73	<	<	X
fsr-3469	485	74	.01	.01	NUM
fsr-3469	485	75	)	)	PUNCT
fsr-3469	485	76	.	.	PUNCT
fsr-3469	486	1	longevity	longevity	NOUN
fsr-3469	486	2	concerns	concern	NOUN
fsr-3469	486	3	and	and	CCONJ
fsr-3469	486	4	degree	degree	NOUN
fsr-3469	486	5	of	of	ADP
fsr-3469	486	6	financial	financial	ADJ
fsr-3469	486	7	biases	bias	NOUN
fsr-3469	486	8	are	be	AUX
fsr-3469	486	9	in	in	ADP
fsr-3469	486	10	the	the	DET
fsr-3469	486	11	opposite	opposite	ADJ
fsr-3469	486	12	direction	direction	NOUN
fsr-3469	486	13	of	of	ADP
fsr-3469	486	14	delegators	delegator	NOUN
fsr-3469	486	15	.	.	PUNCT
fsr-3469	487	1	in	in	ADP
fsr-3469	487	2	addition	addition	NOUN
fsr-3469	487	3	,	,	PUNCT
fsr-3469	487	4	while	while	SCONJ
fsr-3469	487	5	anxiety	anxiety	NOUN
fsr-3469	487	6	regarding	regard	VERB
fsr-3469	487	7	their	their	PRON
fsr-3469	487	8	retirement	retirement	NOUN
fsr-3469	487	9	income	income	NOUN
fsr-3469	487	10	strategy	strategy	NOUN
fsr-3469	487	11	is	be	AUX
fsr-3469	487	12	not	not	PART
fsr-3469	487	13	significant	significant	ADJ
fsr-3469	487	14	at	at	ADP
fsr-3469	487	15	the	the	DET
fsr-3469	487	16	p	p	X
fsr-3469	487	17	<	<	X
fsr-3469	487	18	.05	.05	NUM
fsr-3469	487	19	level	level	NOUN
fsr-3469	487	20	of	of	ADP
fsr-3469	487	21	analysis	analysis	NOUN
fsr-3469	487	22	(	(	PUNCT
fsr-3469	487	23	estimate	estimate	NOUN
fsr-3469	487	24	=	=	SYM
fsr-3469	487	25	�	�	PROPN
fsr-3469	487	26	0.20	0.20	NUM
fsr-3469	487	27	,	,	PUNCT
fsr-3469	487	28	or	or	CCONJ
fsr-3469	487	29	=	=	SYM
fsr-3469	487	30	0.82	0.82	NUM
fsr-3469	487	31	,	,	PUNCT
fsr-3469	487	32	p	p	X
fsr-3469	487	33	<	<	X
fsr-3469	487	34	.06	.06	NUM
fsr-3469	487	35	)	)	PUNCT
fsr-3469	487	36	,	,	PUNCT
fsr-3469	487	37	it	it	PRON
fsr-3469	487	38	was	be	AUX
fsr-3469	487	39	also	also	ADV
fsr-3469	487	40	trending	trend	VERB
fsr-3469	487	41	in	in	ADP
fsr-3469	487	42	the	the	DET
fsr-3469	487	43	opposite	opposite	ADJ
fsr-3469	487	44	direction	direction	NOUN
fsr-3469	487	45	as	as	ADP
fsr-3469	487	46	delegators	delegator	NOUN
fsr-3469	487	47	.	.	PUNCT
fsr-3469	488	1	while	while	SCONJ
fsr-3469	488	2	a	a	DET
fsr-3469	488	3	self	self	NOUN
fsr-3469	488	4	-	-	PUNCT
fsr-3469	488	5	directed	direct	VERB
fsr-3469	488	6	investor	investor	NOUN
fsr-3469	488	7	is	be	AUX
fsr-3469	488	8	less	less	ADV
fsr-3469	488	9	likely	likely	ADJ
fsr-3469	488	10	to	to	PART
fsr-3469	488	11	utilize	utilize	VERB
fsr-3469	488	12	an	an	DET
fsr-3469	488	13	advisor	advisor	NOUN
fsr-3469	488	14	,	,	PUNCT
fsr-3469	488	15	there	there	PRON
fsr-3469	488	16	are	be	VERB
fsr-3469	488	17	various	various	ADJ
fsr-3469	488	18	approaches	approach	NOUN
fsr-3469	488	19	that	that	PRON
fsr-3469	488	20	can	can	AUX
fsr-3469	488	21	engage	engage	VERB
fsr-3469	488	22	and	and	CCONJ
fsr-3469	488	23	help	help	VERB
fsr-3469	488	24	them	they	PRON
fsr-3469	488	25	with	with	ADP
fsr-3469	488	26	a	a	DET
fsr-3469	488	27	successful	successful	ADJ
fsr-3469	488	28	retirement	retirement	NOUN
fsr-3469	488	29	income	income	NOUN
fsr-3469	488	30	plan	plan	NOUN
fsr-3469	488	31	.	.	PUNCT
fsr-3469	489	1	because	because	SCONJ
fsr-3469	489	2	this	this	DET
fsr-3469	489	3	persona	persona	NOUN
fsr-3469	489	4	is	be	AUX
fsr-3469	489	5	actively	actively	ADV
fsr-3469	489	6	involved	involve	VERB
fsr-3469	489	7	in	in	ADP
fsr-3469	489	8	their	their	PRON
fsr-3469	489	9	retirement	retirement	NOUN
fsr-3469	489	10	income	income	NOUN
fsr-3469	489	11	plan	plan	NOUN
fsr-3469	489	12	and	and	CCONJ
fsr-3469	489	13	has	have	VERB
fsr-3469	489	14	high	high	ADJ
fsr-3469	489	15	levels	level	NOUN
fsr-3469	489	16	of	of	ADP
fsr-3469	489	17	self	self	NOUN
fsr-3469	489	18	-	-	PUNCT
fsr-3469	489	19	efficacy	efficacy	NOUN
fsr-3469	489	20	,	,	PUNCT
fsr-3469	489	21	it	it	PRON
fsr-3469	489	22	is	be	AUX
fsr-3469	489	23	important	important	ADJ
fsr-3469	489	24	that	that	SCONJ
fsr-3469	489	25	they	they	PRON
fsr-3469	489	26	have	have	VERB
fsr-3469	489	27	access	access	NOUN
fsr-3469	489	28	to	to	ADP
fsr-3469	489	29	unbiased	unbiased	ADJ
fsr-3469	489	30	educational	educational	ADJ
fsr-3469	489	31	materials	material	NOUN
fsr-3469	489	32	that	that	PRON
fsr-3469	489	33	convey	convey	VERB
fsr-3469	489	34	the	the	DET
fsr-3469	489	35	practical	practical	ADJ
fsr-3469	489	36	application	application	NOUN
fsr-3469	489	37	of	of	ADP
fsr-3469	489	38	retirement	retirement	NOUN
fsr-3469	489	39	income	income	NOUN
fsr-3469	489	40	strategies	strategy	NOUN
fsr-3469	489	41	.	.	PUNCT
fsr-3469	490	1	with	with	ADP
fsr-3469	490	2	the	the	DET
fsr-3469	490	3	rise	rise	NOUN
fsr-3469	490	4	of	of	ADP
fsr-3469	490	5	financial	financial	ADJ
fsr-3469	490	6	table	table	NOUN
fsr-3469	490	7	10	10	NUM
fsr-3469	490	8	(	(	PUNCT
fsr-3469	490	9	continued	continued	ADJ
fsr-3469	490	10	)	)	PUNCT
fsr-3469	490	11	delegator	delegator	NOUN
fsr-3469	490	12	collaborator	collaborator	NOUN
fsr-3469	490	13	self	self	NOUN
fsr-3469	490	14	-	-	PUNCT
fsr-3469	490	15	directed	direct	VERB
fsr-3469	490	16	validator	validator	NOUN
fsr-3469	490	17	estimate	estimate	VERB
fsr-3469	490	18	�	�	PROPN
fsr-3469	490	19	0.15	0.15	NUM
fsr-3469	490	20	0.06	0.06	NUM
fsr-3469	490	21	0.00	0.00	NUM
fsr-3469	490	22	0.15	0.15	NUM
fsr-3469	490	23	standard	standard	ADJ
fsr-3469	490	24	error	error	NOUN
fsr-3469	490	25	0.12	0.12	NUM
fsr-3469	490	26	0.16	0.16	NUM
fsr-3469	490	27	0.13	0.13	NUM
fsr-3469	490	28	0.17	0.17	NUM
fsr-3469	490	29	probability	probability	NOUN
fsr-3469	490	30	0.22	0.22	NUM
fsr-3469	490	31	0.68	0.68	NUM
fsr-3469	490	32	0.99	0.99	NUM
fsr-3469	490	33	0.38	0.38	NUM
fsr-3469	490	34	marital	marital	ADJ
fsr-3469	490	35	status	status	NOUN
fsr-3469	490	36	odds	odd	VERB
fsr-3469	490	37	ratio	ratio	NOUN
fsr-3469	490	38	0.70	0.70	NUM
fsr-3469	490	39	1.63	1.63	NUM
fsr-3469	490	40	0.62	0.62	NUM
fsr-3469	490	41	1.84	1.84	NUM
fsr-3469	490	42	estimate	estimate	NOUN
fsr-3469	490	43	�	�	PROPN
fsr-3469	490	44	0.18	0.18	NUM
fsr-3469	490	45	0.25	0.25	NUM
fsr-3469	490	46	�	�	PROPN
fsr-3469	490	47	0.24	0.24	NUM
fsr-3469	490	48	0.31	0.31	NUM
fsr-3469	490	49	standard	standard	ADJ
fsr-3469	490	50	error	error	NOUN
fsr-3469	490	51	0.16	0.16	NUM
fsr-3469	490	52	0.17	0.17	NUM
fsr-3469	490	53	0.16	0.16	NUM
fsr-3469	490	54	0.19	0.19	NUM
fsr-3469	490	55	probability	probability	NOUN
fsr-3469	490	56	0.27	0.27	NUM
fsr-3469	490	57	0.16	0.16	NUM
fsr-3469	490	58	0.13	0.13	NUM
fsr-3469	490	59	0.10	0.10	NUM
fsr-3469	490	60	age	age	NOUN
fsr-3469	490	61	odds	odd	NOUN
fsr-3469	490	62	ratio	ratio	VERB
fsr-3469	490	63	1.19	1.19	NUM
fsr-3469	490	64	0.95	0.95	NUM
fsr-3469	490	65	0.89	0.89	NUM
fsr-3469	490	66	0.92	0.92	NUM
fsr-3469	490	67	estimate	estimate	NOUN
fsr-3469	490	68	0.17	0.17	NUM
fsr-3469	490	69	�	�	PROPN
fsr-3469	490	70	0.05	0.05	NUM
fsr-3469	490	71	�	�	PROPN
fsr-3469	490	72	0.12	0.12	NUM
fsr-3469	490	73	�	�	PROPN
fsr-3469	490	74	0.08	0.08	NUM
fsr-3469	490	75	standard	standard	ADJ
fsr-3469	490	76	error	error	NOUN
fsr-3469	490	77	0.11	0.11	NUM
fsr-3469	490	78	0.13	0.13	NUM
fsr-3469	490	79	0.11	0.11	NUM
fsr-3469	490	80	0.14	0.14	NUM
fsr-3469	490	81	probability	probability	NOUN
fsr-3469	490	82	0.12	0.12	NUM
fsr-3469	490	83	0.69	0.69	NUM
fsr-3469	490	84	0.27	0.27	NUM
fsr-3469	490	85	0.57	0.57	NUM
fsr-3469	490	86	net	net	ADJ
fsr-3469	490	87	worth	worth	ADJ
fsr-3469	490	88	odds	odd	NOUN
fsr-3469	490	89	ratio	ratio	NOUN
fsr-3469	490	90	0.99	0.99	NUM
fsr-3469	490	91	1.38	1.38	NUM
fsr-3469	490	92	0.90	0.90	NUM
fsr-3469	490	93	0.81	0.81	NUM
fsr-3469	490	94	estimate	estimate	NOUN
fsr-3469	490	95	�	�	PROPN
fsr-3469	490	96	0.01	0.01	NUM
fsr-3469	490	97	0.32	0.32	NUM
fsr-3469	490	98	�	�	PROPN
fsr-3469	490	99	0.10	0.10	NUM
fsr-3469	490	100	�	�	NOUN
fsr-3469	490	101	0.21	0.21	NUM
fsr-3469	490	102	standard	standard	ADJ
fsr-3469	490	103	error	error	NOUN
fsr-3469	490	104	0.10	0.10	NUM
fsr-3469	490	105	0.11	0.11	NUM
fsr-3469	490	106	0.10	0.10	NUM
fsr-3469	490	107	0.14	0.14	NUM
fsr-3469	490	108	probability	probability	NOUN
fsr-3469	490	109	0.90	0.90	NUM
fsr-3469	490	110	*	*	PUNCT
fsr-3469	490	111	*	*	PUNCT
fsr-3469	490	112	0.31	0.31	NUM
fsr-3469	490	113	0.14	0.14	NUM
fsr-3469	490	114	gender	gender	NOUN
fsr-3469	490	115	.	.	PUNCT
fsr-3469	491	1	female	female	NOUN
fsr-3469	491	2	is	be	AUX
fsr-3469	491	3	the	the	DET
fsr-3469	491	4	reference	reference	NOUN
fsr-3469	491	5	variable	variable	ADJ
fsr-3469	491	6	marital	marital	ADJ
fsr-3469	491	7	status	status	NOUN
fsr-3469	491	8	.	.	PUNCT
fsr-3469	492	1	married	married	ADJ
fsr-3469	492	2	is	be	AUX
fsr-3469	492	3	the	the	DET
fsr-3469	492	4	reference	reference	NOUN
fsr-3469	492	5	variable	variable	NOUN
fsr-3469	492	6	*	*	PUNCT
fsr-3469	492	7	p	p	X
fsr-3469	492	8	=	=	X
fsr-3469	492	9	<	<	X
fsr-3469	492	10	0.05	0.05	NUM
fsr-3469	492	11	*	*	PUNCT
fsr-3469	492	12	*	*	PUNCT
fsr-3469	492	13	p	p	X
fsr-3469	492	14	=	=	X
fsr-3469	492	15	<	<	X
fsr-3469	492	16	0.01	0.01	NUM
fsr-3469	492	17	*	*	PUNCT
fsr-3469	492	18	*	*	PUNCT
fsr-3469	492	19	*	*	PUNCT
fsr-3469	492	20	p	p	X
fsr-3469	492	21	=	=	X
fsr-3469	492	22	<	<	X
fsr-3469	492	23	0.001	0.001	NUM
fsr-3469	492	24	*	*	PUNCT
fsr-3469	492	25	*	*	PUNCT
fsr-3469	492	26	*	*	PUNCT
fsr-3469	492	27	*	*	PUNCT
fsr-3469	492	28	p	p	X
fsr-3469	492	29	=	=	X
fsr-3469	492	30	<	<	X
fsr-3469	492	31	0.0001	0.0001	NUM
fsr-3469	492	32	26	26	NUM
fsr-3469	492	33	a.	a.	NOUN
fsr-3469	492	34	murguı́a	murguı́a	NOUN
fsr-3469	492	35	and	and	CCONJ
fsr-3469	492	36	w.	w.	NOUN
fsr-3469	492	37	pfau	pfau	PROPN
fsr-3469	492	38	/	/	SYM
fsr-3469	492	39	financial	financial	ADJ
fsr-3469	492	40	services	service	NOUN
fsr-3469	492	41	review	review	VERB
fsr-3469	492	42	30	30	NUM
fsr-3469	492	43	(	(	PUNCT
fsr-3469	492	44	2022	2022	NUM
fsr-3469	492	45	)	)	PUNCT
fsr-3469	492	46	1–29	1–29	PROPN
fsr-3469	492	47	technologies	technology	NOUN
fsr-3469	492	48	,	,	PUNCT
fsr-3469	492	49	many	many	ADJ
fsr-3469	492	50	automated	automate	VERB
fsr-3469	492	51	advisory	advisory	ADJ
fsr-3469	492	52	offerings	offering	NOUN
fsr-3469	492	53	are	be	AUX
fsr-3469	492	54	readily	readily	ADV
fsr-3469	492	55	available	available	ADJ
fsr-3469	492	56	for	for	ADP
fsr-3469	492	57	investments	investment	NOUN
fsr-3469	492	58	.	.	PUNCT
fsr-3469	493	1	in	in	ADP
fsr-3469	493	2	addition	addition	NOUN
fsr-3469	493	3	,	,	PUNCT
fsr-3469	493	4	online	online	ADJ
fsr-3469	493	5	financial	financial	ADJ
fsr-3469	493	6	planning	planning	NOUN
fsr-3469	493	7	offers	offer	NOUN
fsr-3469	493	8	could	could	AUX
fsr-3469	493	9	also	also	ADV
fsr-3469	493	10	address	address	VERB
fsr-3469	493	11	the	the	DET
fsr-3469	493	12	specific	specific	ADJ
fsr-3469	493	13	retirement	retirement	NOUN
fsr-3469	493	14	income	income	NOUN
fsr-3469	493	15	problems	problem	NOUN
fsr-3469	493	16	facing	face	VERB
fsr-3469	493	17	investors	investor	NOUN
fsr-3469	493	18	.	.	PUNCT
fsr-3469	494	1	lastly	lastly	ADV
fsr-3469	494	2	,	,	PUNCT
fsr-3469	494	3	validators	validator	NOUN
fsr-3469	494	4	exhibit	exhibit	VERB
fsr-3469	494	5	a	a	DET
fsr-3469	494	6	significant	significant	ADJ
fsr-3469	494	7	positive	positive	ADJ
fsr-3469	494	8	relationship	relationship	NOUN
fsr-3469	494	9	to	to	ADP
fsr-3469	494	10	longevity	longevity	NOUN
fsr-3469	494	11	concerns	concern	NOUN
fsr-3469	494	12	(	(	PUNCT
fsr-3469	494	13	estimate	estimate	NOUN
fsr-3469	494	14	=	=	NOUN
fsr-3469	494	15	0.31	0.31	NUM
fsr-3469	494	16	,	,	PUNCT
fsr-3469	494	17	or	or	CCONJ
fsr-3469	494	18	=	=	SYM
fsr-3469	494	19	1.37	1.37	NUM
fsr-3469	494	20	,	,	PUNCT
fsr-3469	494	21	p	p	X
fsr-3469	494	22	<	<	X
fsr-3469	494	23	.05	.05	NUM
fsr-3469	494	24	)	)	PUNCT
fsr-3469	494	25	,	,	PUNCT
fsr-3469	494	26	and	and	CCONJ
fsr-3469	494	27	a	a	DET
fsr-3469	494	28	negative	negative	ADJ
fsr-3469	494	29	relationship	relationship	NOUN
fsr-3469	494	30	to	to	ADP
fsr-3469	494	31	portfolio	portfolio	NOUN
fsr-3469	494	32	loss	loss	NOUN
fsr-3469	494	33	aversion	aversion	NOUN
fsr-3469	494	34	tolerance	tolerance	NOUN
fsr-3469	494	35	(	(	PUNCT
fsr-3469	494	36	estimate	estimate	VERB
fsr-3469	494	37	=	=	SYM
fsr-3469	494	38	�	�	PROPN
fsr-3469	494	39	0.29	0.29	NUM
fsr-3469	494	40	,	,	PUNCT
fsr-3469	494	41	or	or	CCONJ
fsr-3469	494	42	=	=	NOUN
fsr-3469	494	43	0.75	0.75	NUM
fsr-3469	494	44	,	,	PUNCT
fsr-3469	494	45	p	p	X
fsr-3469	494	46	<	<	X
fsr-3469	494	47	.05	.05	NUM
fsr-3469	494	48	)	)	PUNCT
fsr-3469	494	49	.	.	PUNCT
fsr-3469	495	1	while	while	SCONJ
fsr-3469	495	2	they	they	PRON
fsr-3469	495	3	do	do	AUX
fsr-3469	495	4	not	not	PART
fsr-3469	495	5	view	view	VERB
fsr-3469	495	6	an	an	DET
fsr-3469	495	7	ongoing	ongoing	ADJ
fsr-3469	495	8	advisor	advisor	NOUN
fsr-3469	495	9	relationship	relationship	NOUN
fsr-3469	495	10	as	as	ADP
fsr-3469	495	11	cost	cost	NOUN
fsr-3469	495	12	effective	effective	ADJ
fsr-3469	495	13	,	,	PUNCT
fsr-3469	495	14	their	their	PRON
fsr-3469	495	15	low	low	ADJ
fsr-3469	495	16	levels	level	NOUN
fsr-3469	495	17	of	of	ADP
fsr-3469	495	18	self	self	NOUN
fsr-3469	495	19	-	-	PUNCT
fsr-3469	495	20	efficacy	efficacy	NOUN
fsr-3469	495	21	may	may	AUX
fsr-3469	495	22	lead	lead	VERB
fsr-3469	495	23	them	they	PRON
fsr-3469	495	24	to	to	PART
fsr-3469	495	25	seek	seek	VERB
fsr-3469	495	26	the	the	DET
fsr-3469	495	27	reassurance	reassurance	NOUN
fsr-3469	495	28	from	from	ADP
fsr-3469	495	29	an	an	DET
fsr-3469	495	30	advisor	advisor	NOUN
fsr-3469	495	31	in	in	ADP
fsr-3469	495	32	the	the	DET
fsr-3469	495	33	form	form	NOUN
fsr-3469	495	34	of	of	ADP
fsr-3469	495	35	a	a	DET
fsr-3469	495	36	second	second	ADJ
fsr-3469	495	37	opinion	opinion	NOUN
fsr-3469	495	38	regarding	regard	VERB
fsr-3469	495	39	the	the	DET
fsr-3469	495	40	above	above	ADV
fsr-3469	495	41	-	-	PUNCT
fsr-3469	495	42	mentioned	mention	VERB
fsr-3469	495	43	concerns	concern	NOUN
fsr-3469	495	44	.	.	PUNCT
fsr-3469	496	1	to	to	PART
fsr-3469	496	2	provide	provide	VERB
fsr-3469	496	3	the	the	DET
fsr-3469	496	4	appropriate	appropriate	ADJ
fsr-3469	496	5	assistance	assistance	NOUN
fsr-3469	496	6	for	for	ADP
fsr-3469	496	7	these	these	DET
fsr-3469	496	8	individuals	individual	NOUN
fsr-3469	496	9	,	,	PUNCT
fsr-3469	496	10	advisors	advisor	NOUN
fsr-3469	496	11	may	may	AUX
fsr-3469	496	12	need	need	VERB
fsr-3469	496	13	to	to	PART
fsr-3469	496	14	give	give	VERB
fsr-3469	496	15	serious	serious	ADJ
fsr-3469	496	16	consideration	consideration	NOUN
fsr-3469	496	17	to	to	ADP
fsr-3469	496	18	expanding	expand	VERB
fsr-3469	496	19	their	their	PRON
fsr-3469	496	20	service	service	NOUN
fsr-3469	496	21	offering	offering	NOUN
fsr-3469	496	22	to	to	PART
fsr-3469	496	23	include	include	VERB
fsr-3469	496	24	a	a	DET
fsr-3469	496	25	planning	planning	NOUN
fsr-3469	496	26	services	service	NOUN
fsr-3469	496	27	as	as	ADP
fsr-3469	496	28	a	a	DET
fsr-3469	496	29	stand	stand	VERB
fsr-3469	496	30	-	-	PUNCT
fsr-3469	496	31	alone	alone	ADV
fsr-3469	496	32	offer	offer	NOUN
fsr-3469	496	33	and	and	CCONJ
fsr-3469	496	34	not	not	PART
fsr-3469	496	35	bundled	bundle	VERB
fsr-3469	496	36	with	with	ADP
fsr-3469	496	37	asset	asset	NOUN
fsr-3469	496	38	management	management	NOUN
fsr-3469	496	39	.	.	PUNCT
fsr-3469	497	1	ultimately	ultimately	ADV
fsr-3469	497	2	,	,	PUNCT
fsr-3469	497	3	the	the	DET
fsr-3469	497	4	financial	financial	ADJ
fsr-3469	497	5	implementation	implementation	NOUN
fsr-3469	497	6	matrix	matrix	NOUN
fsr-3469	497	7	is	be	AUX
fsr-3469	497	8	an	an	DET
fsr-3469	497	9	effective	effective	ADJ
fsr-3469	497	10	way	way	NOUN
fsr-3469	497	11	to	to	PART
fsr-3469	497	12	determine	determine	VERB
fsr-3469	497	13	what	what	DET
fsr-3469	497	14	type	type	NOUN
fsr-3469	497	15	of	of	ADP
fsr-3469	497	16	approach	approach	NOUN
fsr-3469	497	17	can	can	AUX
fsr-3469	497	18	best	well	ADV
fsr-3469	497	19	assist	assist	VERB
fsr-3469	497	20	with	with	ADP
fsr-3469	497	21	implementing	implement	VERB
fsr-3469	497	22	a	a	DET
fsr-3469	497	23	retirement	retirement	NOUN
fsr-3469	497	24	income	income	NOUN
fsr-3469	497	25	plan	plan	NOUN
fsr-3469	497	26	.	.	PUNCT
fsr-3469	498	1	this	this	PRON
fsr-3469	498	2	is	be	AUX
fsr-3469	498	3	a	a	DET
fsr-3469	498	4	more	more	ADV
fsr-3469	498	5	optimal	optimal	ADJ
fsr-3469	498	6	approach	approach	NOUN
fsr-3469	498	7	than	than	ADP
fsr-3469	498	8	attempting	attempt	VERB
fsr-3469	498	9	to	to	PART
fsr-3469	498	10	convince	convince	VERB
fsr-3469	498	11	every	every	DET
fsr-3469	498	12	investor	investor	NOUN
fsr-3469	498	13	that	that	PRON
fsr-3469	498	14	they	they	PRON
fsr-3469	498	15	should	should	AUX
fsr-3469	498	16	engage	engage	VERB
fsr-3469	498	17	in	in	ADP
fsr-3469	498	18	an	an	DET
fsr-3469	498	19	ongoing	ongoing	ADJ
fsr-3469	498	20	advisory	advisory	ADJ
fsr-3469	498	21	relationship	relationship	NOUN
fsr-3469	498	22	with	with	ADP
fsr-3469	498	23	asset	asset	NOUN
fsr-3469	498	24	management	management	NOUN
fsr-3469	498	25	as	as	ADP
fsr-3469	498	26	its	its	PRON
fsr-3469	498	27	primary	primary	ADJ
fsr-3469	498	28	revenue	revenue	NOUN
fsr-3469	498	29	source	source	NOUN
fsr-3469	498	30	.	.	PUNCT
fsr-3469	499	1	entry	entry	NOUN
fsr-3469	499	2	level	level	NOUN
fsr-3469	499	3	offerings	offering	NOUN
fsr-3469	499	4	may	may	AUX
fsr-3469	499	5	also	also	ADV
fsr-3469	499	6	provide	provide	VERB
fsr-3469	499	7	a	a	DET
fsr-3469	499	8	stepping	stepping	ADJ
fsr-3469	499	9	-	-	PUNCT
fsr-3469	499	10	stone	stone	NOUN
fsr-3469	499	11	into	into	ADP
fsr-3469	499	12	higher	high	ADJ
fsr-3469	499	13	level	level	NOUN
fsr-3469	499	14	service	service	NOUN
fsr-3469	499	15	models	model	NOUN
fsr-3469	499	16	as	as	SCONJ
fsr-3469	499	17	individuals	individual	NOUN
fsr-3469	499	18	learn	learn	VERB
fsr-3469	499	19	firsthand	firsthand	ADV
fsr-3469	499	20	about	about	ADP
fsr-3469	499	21	the	the	DET
fsr-3469	499	22	complexities	complexity	NOUN
fsr-3469	499	23	of	of	ADP
fsr-3469	499	24	developing	develop	VERB
fsr-3469	499	25	and	and	CCONJ
fsr-3469	499	26	implementing	implement	VERB
fsr-3469	499	27	a	a	DET
fsr-3469	499	28	retirement	retirement	NOUN
fsr-3469	499	29	income	income	NOUN
fsr-3469	499	30	plan	plan	NOUN
fsr-3469	499	31	.	.	PUNCT
fsr-3469	500	1	5	5	X
fsr-3469	500	2	.	.	X
fsr-3469	500	3	conclusion	conclusion	NOUN
fsr-3469	500	4	we	we	PRON
fsr-3469	500	5	quantify	quantify	VERB
fsr-3469	500	6	retirement	retirement	NOUN
fsr-3469	500	7	income	income	NOUN
fsr-3469	500	8	self	self	NOUN
fsr-3469	500	9	-	-	PUNCT
fsr-3469	500	10	efficacy	efficacy	NOUN
fsr-3469	500	11	,	,	PUNCT
fsr-3469	500	12	financial	financial	ADJ
fsr-3469	500	13	biases	bias	NOUN
fsr-3469	500	14	,	,	PUNCT
fsr-3469	500	15	numeracy	numeracy	NOUN
fsr-3469	500	16	,	,	PUNCT
fsr-3469	500	17	numeracy	numeracy	NOUN
fsr-3469	500	18	selfawareness	selfawareness	NOUN
fsr-3469	500	19	,	,	PUNCT
fsr-3469	500	20	inertia	inertia	NOUN
fsr-3469	500	21	,	,	PUNCT
fsr-3469	500	22	and	and	CCONJ
fsr-3469	500	23	perceived	perceive	VERB
fsr-3469	500	24	advisor	advisor	NOUN
fsr-3469	500	25	usefulness	usefulness	NOUN
fsr-3469	500	26	and	and	CCONJ
fsr-3469	500	27	create	create	VERB
fsr-3469	500	28	scales	scale	NOUN
fsr-3469	500	29	for	for	ADP
fsr-3469	500	30	these	these	DET
fsr-3469	500	31	constructs	construct	NOUN
fsr-3469	500	32	specific	specific	ADJ
fsr-3469	500	33	to	to	ADP
fsr-3469	500	34	retirement	retirement	NOUN
fsr-3469	500	35	income	income	NOUN
fsr-3469	500	36	.	.	PUNCT
fsr-3469	501	1	in	in	ADP
fsr-3469	501	2	addition	addition	NOUN
fsr-3469	501	3	,	,	PUNCT
fsr-3469	501	4	we	we	PRON
fsr-3469	501	5	show	show	VERB
fsr-3469	501	6	how	how	SCONJ
fsr-3469	501	7	these	these	DET
fsr-3469	501	8	scales	scale	NOUN
fsr-3469	501	9	relate	relate	VERB
fsr-3469	501	10	to	to	ADP
fsr-3469	501	11	each	each	DET
fsr-3469	501	12	other	other	ADJ
fsr-3469	501	13	and	and	CCONJ
fsr-3469	501	14	more	more	ADV
fsr-3469	501	15	traditional	traditional	ADJ
fsr-3469	501	16	measures	measure	NOUN
fsr-3469	501	17	,	,	PUNCT
fsr-3469	501	18	such	such	ADJ
fsr-3469	501	19	as	as	ADP
fsr-3469	501	20	loss	loss	NOUN
fsr-3469	501	21	aversion	aversion	NOUN
fsr-3469	501	22	,	,	PUNCT
fsr-3469	501	23	to	to	PART
fsr-3469	501	24	further	far	ADV
fsr-3469	501	25	provide	provide	VERB
fsr-3469	501	26	significant	significant	ADJ
fsr-3469	501	27	levels	level	NOUN
fsr-3469	501	28	of	of	ADP
fsr-3469	501	29	construct	construct	NOUN
fsr-3469	501	30	validity	validity	NOUN
fsr-3469	501	31	.	.	PUNCT
fsr-3469	502	1	we	we	PRON
fsr-3469	502	2	find	find	VERB
fsr-3469	502	3	these	these	DET
fsr-3469	502	4	scales	scale	NOUN
fsr-3469	502	5	to	to	PART
fsr-3469	502	6	significantly	significantly	ADV
fsr-3469	502	7	relate	relate	VERB
fsr-3469	502	8	to	to	ADP
fsr-3469	502	9	retirement	retirement	NOUN
fsr-3469	502	10	income	income	NOUN
fsr-3469	502	11	concerns	concern	NOUN
fsr-3469	502	12	such	such	ADJ
fsr-3469	502	13	as	as	ADP
fsr-3469	502	14	longevity	longevity	NOUN
fsr-3469	502	15	,	,	PUNCT
fsr-3469	502	16	lifestyle	lifestyle	NOUN
fsr-3469	502	17	,	,	PUNCT
fsr-3469	502	18	and	and	CCONJ
fsr-3469	502	19	liquidity	liquidity	NOUN
fsr-3469	502	20	.	.	PUNCT
fsr-3469	503	1	moreover	moreover	ADV
fsr-3469	503	2	,	,	PUNCT
fsr-3469	503	3	investment	investment	NOUN
fsr-3469	503	4	behaviors	behavior	NOUN
fsr-3469	503	5	such	such	ADJ
fsr-3469	503	6	as	as	ADP
fsr-3469	503	7	a	a	DET
fsr-3469	503	8	preference	preference	NOUN
fsr-3469	503	9	for	for	ADP
fsr-3469	503	10	dividend	dividend	NOUN
fsr-3469	503	11	stocks	stock	NOUN
fsr-3469	503	12	and	and	CCONJ
fsr-3469	503	13	investment	investment	NOUN
fsr-3469	503	14	approach	approach	NOUN
fsr-3469	503	15	are	be	AUX
fsr-3469	503	16	related	relate	VERB
fsr-3469	503	17	to	to	ADP
fsr-3469	503	18	these	these	DET
fsr-3469	503	19	constructs	construct	NOUN
fsr-3469	503	20	.	.	PUNCT
fsr-3469	504	1	one	one	NUM
fsr-3469	504	2	’s	’s	PART
fsr-3469	504	3	retirement	retirement	NOUN
fsr-3469	504	4	nest	nest	NOUN
fsr-3469	504	5	egg	egg	NOUN
fsr-3469	504	6	satisfaction	satisfaction	NOUN
fsr-3469	504	7	and	and	CCONJ
fsr-3469	504	8	anxiety	anxiety	NOUN
fsr-3469	504	9	levels	level	NOUN
fsr-3469	504	10	towards	towards	ADP
fsr-3469	504	11	their	their	PRON
fsr-3469	504	12	retirement	retirement	NOUN
fsr-3469	504	13	income	income	NOUN
fsr-3469	504	14	strategy	strategy	NOUN
fsr-3469	504	15	is	be	AUX
fsr-3469	504	16	also	also	ADV
fsr-3469	504	17	shown	show	VERB
fsr-3469	504	18	to	to	PART
fsr-3469	504	19	be	be	AUX
fsr-3469	504	20	related	relate	VERB
fsr-3469	504	21	to	to	ADP
fsr-3469	504	22	many	many	ADJ
fsr-3469	504	23	of	of	ADP
fsr-3469	504	24	these	these	DET
fsr-3469	504	25	factors	factor	NOUN
fsr-3469	504	26	.	.	PUNCT
fsr-3469	505	1	overall	overall	ADJ
fsr-3469	505	2	,	,	PUNCT
fsr-3469	505	3	results	result	NOUN
fsr-3469	505	4	indicate	indicate	VERB
fsr-3469	505	5	significant	significant	ADJ
fsr-3469	505	6	levels	level	NOUN
fsr-3469	505	7	of	of	ADP
fsr-3469	505	8	criterion	criterion	NOUN
fsr-3469	505	9	validity	validity	NOUN
fsr-3469	505	10	for	for	ADP
fsr-3469	505	11	the	the	DET
fsr-3469	505	12	newly	newly	ADV
fsr-3469	505	13	developed	develop	VERB
fsr-3469	505	14	scales	scale	NOUN
fsr-3469	505	15	.	.	PUNCT
fsr-3469	506	1	and	and	CCONJ
fsr-3469	506	2	finally	finally	ADV
fsr-3469	506	3	,	,	PUNCT
fsr-3469	506	4	we	we	PRON
fsr-3469	506	5	create	create	VERB
fsr-3469	506	6	four	four	NUM
fsr-3469	506	7	investment	investment	NOUN
fsr-3469	506	8	personas	persona	NOUN
fsr-3469	506	9	with	with	ADP
fsr-3469	506	10	our	our	PRON
fsr-3469	506	11	advisor	advisor	NOUN
fsr-3469	506	12	usefulness	usefulness	NOUN
fsr-3469	506	13	and	and	CCONJ
fsr-3469	506	14	retirement	retirement	NOUN
fsr-3469	506	15	income	income	NOUN
fsr-3469	506	16	self	self	NOUN
fsr-3469	506	17	-	-	PUNCT
fsr-3469	506	18	efficacy	efficacy	NOUN
fsr-3469	506	19	scales	scale	NOUN
fsr-3469	506	20	to	to	PART
fsr-3469	506	21	successfully	successfully	ADV
fsr-3469	506	22	identify	identify	VERB
fsr-3469	506	23	preferred	preferred	ADJ
fsr-3469	506	24	financial	financial	ADJ
fsr-3469	506	25	implementation	implementation	NOUN
fsr-3469	506	26	methods	method	NOUN
fsr-3469	506	27	.	.	PUNCT
fsr-3469	507	1	the	the	DET
fsr-3469	507	2	implications	implication	NOUN
fsr-3469	507	3	for	for	ADP
fsr-3469	507	4	this	this	DET
fsr-3469	507	5	investigation	investigation	NOUN
fsr-3469	507	6	affect	affect	VERB
fsr-3469	507	7	both	both	DET
fsr-3469	507	8	individuals	individual	NOUN
fsr-3469	507	9	and	and	CCONJ
fsr-3469	507	10	financial	financial	ADJ
fsr-3469	507	11	professionals	professional	NOUN
fsr-3469	507	12	.	.	PUNCT
fsr-3469	508	1	individuals	individual	NOUN
fsr-3469	508	2	can	can	AUX
fsr-3469	508	3	readily	readily	ADV
fsr-3469	508	4	recognize	recognize	VERB
fsr-3469	508	5	their	their	PRON
fsr-3469	508	6	relative	relative	ADJ
fsr-3469	508	7	strengths	strength	NOUN
fsr-3469	508	8	and	and	CCONJ
fsr-3469	508	9	weaknesses	weakness	NOUN
fsr-3469	508	10	when	when	SCONJ
fsr-3469	508	11	implementing	implement	VERB
fsr-3469	508	12	a	a	DET
fsr-3469	508	13	retirement	retirement	NOUN
fsr-3469	508	14	income	income	NOUN
fsr-3469	508	15	strategy	strategy	NOUN
fsr-3469	508	16	.	.	PUNCT
fsr-3469	509	1	by	by	ADP
fsr-3469	509	2	clearly	clearly	ADV
fsr-3469	509	3	pointing	point	VERB
fsr-3469	509	4	out	out	ADP
fsr-3469	509	5	potential	potential	ADJ
fsr-3469	509	6	weak	weak	ADJ
fsr-3469	509	7	spots	spot	NOUN
fsr-3469	509	8	,	,	PUNCT
fsr-3469	509	9	an	an	DET
fsr-3469	509	10	individual	individual	NOUN
fsr-3469	509	11	can	can	AUX
fsr-3469	509	12	take	take	VERB
fsr-3469	509	13	the	the	DET
fsr-3469	509	14	necessary	necessary	ADJ
fsr-3469	509	15	steps	step	NOUN
fsr-3469	509	16	to	to	PART
fsr-3469	509	17	fill	fill	VERB
fsr-3469	509	18	in	in	ADP
fsr-3469	509	19	the	the	DET
fsr-3469	509	20	needed	need	VERB
fsr-3469	509	21	gaps	gap	NOUN
fsr-3469	509	22	.	.	PUNCT
fsr-3469	510	1	for	for	ADP
fsr-3469	510	2	example	example	NOUN
fsr-3469	510	3	,	,	PUNCT
fsr-3469	510	4	individuals	individual	NOUN
fsr-3469	510	5	low	low	ADJ
fsr-3469	510	6	in	in	ADP
fsr-3469	510	7	numeracy	numeracy	NOUN
fsr-3469	510	8	can	can	AUX
fsr-3469	510	9	strive	strive	VERB
fsr-3469	510	10	to	to	PART
fsr-3469	510	11	attain	attain	VERB
fsr-3469	510	12	a	a	DET
fsr-3469	510	13	higher	high	ADJ
fsr-3469	510	14	level	level	NOUN
fsr-3469	510	15	of	of	ADP
fsr-3469	510	16	competence	competence	NOUN
fsr-3469	510	17	for	for	ADP
fsr-3469	510	18	retirement	retirement	NOUN
fsr-3469	510	19	income	income	NOUN
fsr-3469	510	20	success	success	NOUN
fsr-3469	510	21	or	or	CCONJ
fsr-3469	510	22	can	can	AUX
fsr-3469	510	23	seek	seek	VERB
fsr-3469	510	24	professional	professional	ADJ
fsr-3469	510	25	help	help	NOUN
fsr-3469	510	26	.	.	PUNCT
fsr-3469	511	1	if	if	SCONJ
fsr-3469	511	2	they	they	PRON
fsr-3469	511	3	are	be	AUX
fsr-3469	511	4	lacking	lack	VERB
fsr-3469	511	5	perceived	perceive	VERB
fsr-3469	511	6	self	self	NOUN
fsr-3469	511	7	-	-	PUNCT
fsr-3469	511	8	awareness	awareness	NOUN
fsr-3469	511	9	regarding	regard	VERB
fsr-3469	511	10	their	their	PRON
fsr-3469	511	11	numeracy	numeracy	NOUN
fsr-3469	511	12	,	,	PUNCT
fsr-3469	511	13	this	this	PRON
fsr-3469	511	14	may	may	AUX
fsr-3469	511	15	serve	serve	VERB
fsr-3469	511	16	as	as	ADP
fsr-3469	511	17	a	a	DET
fsr-3469	511	18	wake	wake	VERB
fsr-3469	511	19	-	-	PUNCT
fsr-3469	511	20	up	up	ADP
fsr-3469	511	21	call	call	NOUN
fsr-3469	511	22	for	for	SCONJ
fsr-3469	511	23	them	they	PRON
fsr-3469	511	24	to	to	PART
fsr-3469	511	25	temper	temper	VERB
fsr-3469	511	26	their	their	PRON
fsr-3469	511	27	perceived	perceive	VERB
fsr-3469	511	28	expertise	expertise	NOUN
fsr-3469	511	29	and	and	CCONJ
fsr-3469	511	30	to	to	PART
fsr-3469	511	31	embrace	embrace	VERB
fsr-3469	511	32	a	a	DET
fsr-3469	511	33	more	more	ADV
fsr-3469	511	34	receptive	receptive	ADJ
fsr-3469	511	35	attitude	attitude	NOUN
fsr-3469	511	36	towards	towards	ADP
fsr-3469	511	37	individuals	individual	NOUN
fsr-3469	511	38	with	with	ADP
fsr-3469	511	39	more	more	ADJ
fsr-3469	511	40	experience	experience	NOUN
fsr-3469	511	41	and	and	CCONJ
fsr-3469	511	42	knowledge	knowledge	NOUN
fsr-3469	511	43	in	in	ADP
fsr-3469	511	44	the	the	DET
fsr-3469	511	45	subject	subject	NOUN
fsr-3469	511	46	matter	matter	NOUN
fsr-3469	511	47	.	.	PUNCT
fsr-3469	512	1	a	a	DET
fsr-3469	512	2	high	high	ADJ
fsr-3469	512	3	financial	financial	ADJ
fsr-3469	512	4	bias	bias	NOUN
fsr-3469	512	5	score	score	NOUN
fsr-3469	512	6	may	may	AUX
fsr-3469	512	7	indicate	indicate	VERB
fsr-3469	512	8	the	the	DET
fsr-3469	512	9	areas	area	NOUN
fsr-3469	512	10	in	in	ADP
fsr-3469	512	11	which	which	PRON
fsr-3469	512	12	individuals	individual	NOUN
fsr-3469	512	13	are	be	AUX
fsr-3469	512	14	more	more	ADV
fsr-3469	512	15	susceptible	susceptible	ADJ
fsr-3469	512	16	to	to	ADP
fsr-3469	512	17	maladaptive	maladaptive	ADJ
fsr-3469	512	18	behaviors	behavior	NOUN
fsr-3469	512	19	.	.	PUNCT
fsr-3469	513	1	this	this	DET
fsr-3469	513	2	information	information	NOUN
fsr-3469	513	3	can	can	AUX
fsr-3469	513	4	also	also	ADV
fsr-3469	513	5	help	help	VERB
fsr-3469	513	6	them	they	PRON
fsr-3469	513	7	a.	a.	PROPN
fsr-3469	513	8	murgua	murgua	PROPN
fsr-3469	513	9	and	and	CCONJ
fsr-3469	513	10	w.	w.	PROPN
fsr-3469	513	11	pfau	pfau	PROPN
fsr-3469	513	12	/	/	SYM
fsr-3469	513	13	financial	financial	ADJ
fsr-3469	513	14	services	service	NOUN
fsr-3469	513	15	review	review	VERB
fsr-3469	513	16	30	30	NUM
fsr-3469	513	17	(	(	PUNCT
fsr-3469	513	18	2022	2022	NUM
fsr-3469	513	19	)	)	PUNCT
fsr-3469	513	20	1–29	1–29	PROPN
fsr-3469	513	21	27	27	NUM
fsr-3469	513	22	focus	focus	NOUN
fsr-3469	513	23	on	on	ADP
fsr-3469	513	24	their	their	PRON
fsr-3469	513	25	strengths	strength	NOUN
fsr-3469	513	26	to	to	PART
fsr-3469	513	27	successfully	successfully	ADV
fsr-3469	513	28	implement	implement	VERB
fsr-3469	513	29	a	a	DET
fsr-3469	513	30	retirement	retirement	NOUN
fsr-3469	513	31	income	income	NOUN
fsr-3469	513	32	plan	plan	NOUN
fsr-3469	513	33	.	.	PUNCT
fsr-3469	514	1	for	for	ADP
fsr-3469	514	2	example	example	NOUN
fsr-3469	514	3	,	,	PUNCT
fsr-3469	514	4	an	an	DET
fsr-3469	514	5	individual	individual	NOUN
fsr-3469	514	6	who	who	PRON
fsr-3469	514	7	may	may	AUX
fsr-3469	514	8	have	have	VERB
fsr-3469	514	9	an	an	DET
fsr-3469	514	10	average	average	ADJ
fsr-3469	514	11	numeracy	numeracy	NOUN
fsr-3469	514	12	score	score	NOUN
fsr-3469	514	13	but	but	CCONJ
fsr-3469	514	14	is	be	AUX
fsr-3469	514	15	very	very	ADV
fsr-3469	514	16	self	self	NOUN
fsr-3469	514	17	-	-	PUNCT
fsr-3469	514	18	aware	aware	ADJ
fsr-3469	514	19	of	of	ADP
fsr-3469	514	20	this	this	PRON
fsr-3469	514	21	may	may	AUX
fsr-3469	514	22	be	be	AUX
fsr-3469	514	23	more	more	ADV
fsr-3469	514	24	willing	willing	ADJ
fsr-3469	514	25	to	to	PART
fsr-3469	514	26	embrace	embrace	VERB
fsr-3469	514	27	advice	advice	NOUN
fsr-3469	514	28	from	from	ADP
fsr-3469	514	29	third	third	ADJ
fsr-3469	514	30	parties	party	NOUN
fsr-3469	514	31	in	in	ADP
fsr-3469	514	32	a	a	DET
fsr-3469	514	33	productive	productive	ADJ
fsr-3469	514	34	manner	manner	NOUN
fsr-3469	514	35	.	.	PUNCT
fsr-3469	515	1	for	for	ADP
fsr-3469	515	2	a	a	DET
fsr-3469	515	3	financial	financial	ADJ
fsr-3469	515	4	professional	professional	NOUN
fsr-3469	515	5	,	,	PUNCT
fsr-3469	515	6	the	the	DET
fsr-3469	515	7	ability	ability	NOUN
fsr-3469	515	8	to	to	PART
fsr-3469	515	9	present	present	VERB
fsr-3469	515	10	advice	advice	NOUN
fsr-3469	515	11	in	in	ADP
fsr-3469	515	12	a	a	DET
fsr-3469	515	13	manner	manner	NOUN
fsr-3469	515	14	that	that	PRON
fsr-3469	515	15	resonates	resonate	VERB
fsr-3469	515	16	with	with	ADP
fsr-3469	515	17	an	an	DET
fsr-3469	515	18	individual	individual	NOUN
fsr-3469	515	19	is	be	AUX
fsr-3469	515	20	paramount	paramount	ADJ
fsr-3469	515	21	to	to	ADP
fsr-3469	515	22	a	a	DET
fsr-3469	515	23	successful	successful	ADJ
fsr-3469	515	24	relationship	relationship	NOUN
fsr-3469	515	25	.	.	PUNCT
fsr-3469	516	1	more	more	ADV
fsr-3469	516	2	importantly	importantly	ADV
fsr-3469	516	3	,	,	PUNCT
fsr-3469	516	4	it	it	PRON
fsr-3469	516	5	will	will	AUX
fsr-3469	516	6	help	help	VERB
fsr-3469	516	7	them	they	PRON
fsr-3469	516	8	follow	follow	VERB
fsr-3469	516	9	through	through	ADP
fsr-3469	516	10	with	with	ADP
fsr-3469	516	11	their	their	PRON
fsr-3469	516	12	retirement	retirement	NOUN
fsr-3469	516	13	income	income	NOUN
fsr-3469	516	14	plan	plan	NOUN
fsr-3469	516	15	.	.	PUNCT
fsr-3469	517	1	for	for	ADP
fsr-3469	517	2	example	example	NOUN
fsr-3469	517	3	,	,	PUNCT
fsr-3469	517	4	assessing	assess	VERB
fsr-3469	517	5	individual	individual	ADJ
fsr-3469	517	6	levels	level	NOUN
fsr-3469	517	7	of	of	ADP
fsr-3469	517	8	self	self	NOUN
fsr-3469	517	9	-	-	PUNCT
fsr-3469	517	10	efficacy	efficacy	NOUN
fsr-3469	517	11	,	,	PUNCT
fsr-3469	517	12	numeracy	numeracy	NOUN
fsr-3469	517	13	,	,	PUNCT
fsr-3469	517	14	numeracy	numeracy	NOUN
fsr-3469	517	15	self	self	NOUN
fsr-3469	517	16	-	-	PUNCT
fsr-3469	517	17	awareness	awareness	NOUN
fsr-3469	517	18	,	,	PUNCT
fsr-3469	517	19	financial	financial	ADJ
fsr-3469	517	20	biases	bias	NOUN
fsr-3469	517	21	,	,	PUNCT
fsr-3469	517	22	inertia	inertia	NOUN
fsr-3469	517	23	,	,	PUNCT
fsr-3469	517	24	and	and	CCONJ
fsr-3469	517	25	perceived	perceive	VERB
fsr-3469	517	26	advisor	advisor	NOUN
fsr-3469	517	27	usefulness	usefulness	NOUN
fsr-3469	517	28	will	will	AUX
fsr-3469	517	29	help	help	VERB
fsr-3469	517	30	an	an	DET
fsr-3469	517	31	advisor	advisor	NOUN
fsr-3469	517	32	better	well	ADV
fsr-3469	517	33	understand	understand	VERB
fsr-3469	517	34	their	their	PRON
fsr-3469	517	35	client	client	NOUN
fsr-3469	517	36	and	and	CCONJ
fsr-3469	517	37	the	the	DET
fsr-3469	517	38	relationship	relationship	NOUN
fsr-3469	517	39	dynamic	dynamic	NOUN
fsr-3469	517	40	that	that	PRON
fsr-3469	517	41	is	be	AUX
fsr-3469	517	42	most	most	ADV
fsr-3469	517	43	likely	likely	ADJ
fsr-3469	517	44	to	to	PART
fsr-3469	517	45	be	be	AUX
fsr-3469	517	46	more	more	ADV
fsr-3469	517	47	engaging	engaging	ADJ
fsr-3469	517	48	.	.	PUNCT
fsr-3469	518	1	having	have	VERB
fsr-3469	518	2	greater	great	ADJ
fsr-3469	518	3	levels	level	NOUN
fsr-3469	518	4	of	of	ADP
fsr-3469	518	5	insight	insight	NOUN
fsr-3469	518	6	into	into	ADP
fsr-3469	518	7	whether	whether	SCONJ
fsr-3469	518	8	a	a	DET
fsr-3469	518	9	client	client	NOUN
fsr-3469	518	10	understands	understand	VERB
fsr-3469	518	11	what	what	PRON
fsr-3469	518	12	is	be	AUX
fsr-3469	518	13	presented	present	VERB
fsr-3469	518	14	to	to	ADP
fsr-3469	518	15	them	they	PRON
fsr-3469	518	16	and	and	CCONJ
fsr-3469	518	17	how	how	SCONJ
fsr-3469	518	18	likely	likely	ADV
fsr-3469	518	19	they	they	PRON
fsr-3469	518	20	will	will	AUX
fsr-3469	518	21	be	be	AUX
fsr-3469	518	22	candid	candid	ADJ
fsr-3469	518	23	about	about	ADP
fsr-3469	518	24	their	their	PRON
fsr-3469	518	25	comprehension	comprehension	NOUN
fsr-3469	518	26	is	be	AUX
fsr-3469	518	27	beneficial	beneficial	ADJ
fsr-3469	518	28	to	to	ADP
fsr-3469	518	29	assuring	assure	VERB
fsr-3469	518	30	adherence	adherence	NOUN
fsr-3469	518	31	to	to	ADP
fsr-3469	518	32	a	a	DET
fsr-3469	518	33	plan	plan	NOUN
fsr-3469	518	34	.	.	PUNCT
fsr-3469	519	1	if	if	SCONJ
fsr-3469	519	2	an	an	DET
fsr-3469	519	3	advisor	advisor	NOUN
fsr-3469	519	4	has	have	VERB
fsr-3469	519	5	a	a	DET
fsr-3469	519	6	sense	sense	NOUN
fsr-3469	519	7	of	of	ADP
fsr-3469	519	8	a	a	DET
fsr-3469	519	9	client	client	NOUN
fsr-3469	519	10	’s	’s	PART
fsr-3469	519	11	numeracy	numeracy	NOUN
fsr-3469	519	12	and	and	CCONJ
fsr-3469	519	13	self	self	NOUN
fsr-3469	519	14	-	-	PUNCT
fsr-3469	519	15	awareness	awareness	NOUN
fsr-3469	519	16	,	,	PUNCT
fsr-3469	519	17	they	they	PRON
fsr-3469	519	18	can	can	AUX
fsr-3469	519	19	tailor	tailor	VERB
fsr-3469	519	20	investment	investment	NOUN
fsr-3469	519	21	presentations	presentation	NOUN
fsr-3469	519	22	and	and	CCONJ
fsr-3469	519	23	recommendations	recommendation	NOUN
fsr-3469	519	24	in	in	ADP
fsr-3469	519	25	a	a	DET
fsr-3469	519	26	productive	productive	ADJ
fsr-3469	519	27	manner	manner	NOUN
fsr-3469	519	28	.	.	PUNCT
fsr-3469	520	1	if	if	SCONJ
fsr-3469	520	2	an	an	DET
fsr-3469	520	3	advisor	advisor	NOUN
fsr-3469	520	4	knows	know	VERB
fsr-3469	520	5	how	how	SCONJ
fsr-3469	520	6	a	a	DET
fsr-3469	520	7	client	client	NOUN
fsr-3469	520	8	may	may	AUX
fsr-3469	520	9	be	be	AUX
fsr-3469	520	10	interpreting	interpret	VERB
fsr-3469	520	11	the	the	DET
fsr-3469	520	12	investment	investment	NOUN
fsr-3469	520	13	landscape	landscape	NOUN
fsr-3469	520	14	and	and	CCONJ
fsr-3469	520	15	current	current	ADJ
fsr-3469	520	16	events	event	NOUN
fsr-3469	520	17	,	,	PUNCT
fsr-3469	520	18	the	the	DET
fsr-3469	520	19	advisor	advisor	NOUN
fsr-3469	520	20	may	may	AUX
fsr-3469	520	21	be	be	AUX
fsr-3469	520	22	able	able	ADJ
fsr-3469	520	23	to	to	PART
fsr-3469	520	24	reach	reach	VERB
fsr-3469	520	25	out	out	ADP
fsr-3469	520	26	and	and	CCONJ
fsr-3469	520	27	discuss	discuss	VERB
fsr-3469	520	28	these	these	DET
fsr-3469	520	29	issues	issue	NOUN
fsr-3469	520	30	before	before	SCONJ
fsr-3469	520	31	the	the	DET
fsr-3469	520	32	client	client	NOUN
fsr-3469	520	33	potentially	potentially	ADV
fsr-3469	520	34	infers	infer	VERB
fsr-3469	520	35	conclusions	conclusion	NOUN
fsr-3469	520	36	that	that	PRON
fsr-3469	520	37	are	be	AUX
fsr-3469	520	38	suboptimal	suboptimal	ADJ
fsr-3469	520	39	to	to	ADP
fsr-3469	520	40	their	their	PRON
fsr-3469	520	41	plan	plan	NOUN
fsr-3469	520	42	.	.	PUNCT
fsr-3469	521	1	if	if	SCONJ
fsr-3469	521	2	an	an	DET
fsr-3469	521	3	advisor	advisor	NOUN
fsr-3469	521	4	has	have	VERB
fsr-3469	521	5	a	a	DET
fsr-3469	521	6	sense	sense	NOUN
fsr-3469	521	7	of	of	ADP
fsr-3469	521	8	how	how	SCONJ
fsr-3469	521	9	timely	timely	ADJ
fsr-3469	521	10	a	a	DET
fsr-3469	521	11	client	client	NOUN
fsr-3469	521	12	implements	implement	NOUN
fsr-3469	521	13	advice	advice	NOUN
fsr-3469	521	14	,	,	PUNCT
fsr-3469	521	15	then	then	ADV
fsr-3469	521	16	the	the	DET
fsr-3469	521	17	advisor	advisor	NOUN
fsr-3469	521	18	can	can	AUX
fsr-3469	521	19	present	present	VERB
fsr-3469	521	20	next	next	ADJ
fsr-3469	521	21	steps	step	NOUN
fsr-3469	521	22	for	for	ADP
fsr-3469	521	23	a	a	DET
fsr-3469	521	24	plan	plan	NOUN
fsr-3469	521	25	in	in	ADP
fsr-3469	521	26	a	a	DET
fsr-3469	521	27	more	more	ADV
fsr-3469	521	28	digestible	digestible	ADJ
fsr-3469	521	29	manner	manner	NOUN
fsr-3469	521	30	.	.	PUNCT
fsr-3469	522	1	and	and	CCONJ
fsr-3469	522	2	finally	finally	ADV
fsr-3469	522	3	,	,	PUNCT
fsr-3469	522	4	an	an	DET
fsr-3469	522	5	advisor	advisor	NOUN
fsr-3469	522	6	can	can	AUX
fsr-3469	522	7	identify	identify	VERB
fsr-3469	522	8	a	a	DET
fsr-3469	522	9	relationship	relationship	NOUN
fsr-3469	522	10	dynamic	dynamic	NOUN
fsr-3469	522	11	that	that	PRON
fsr-3469	522	12	will	will	AUX
fsr-3469	522	13	increase	increase	VERB
fsr-3469	522	14	client	client	NOUN
fsr-3469	522	15	satisfaction	satisfaction	NOUN
fsr-3469	522	16	.	.	PUNCT
fsr-3469	523	1	a	a	DET
fsr-3469	523	2	delegator	delegator	NOUN
fsr-3469	523	3	and	and	CCONJ
fsr-3469	523	4	a	a	DET
fsr-3469	523	5	collaborator	collaborator	NOUN
fsr-3469	523	6	need	need	VERB
fsr-3469	523	7	a	a	DET
fsr-3469	523	8	different	different	ADJ
fsr-3469	523	9	cadence	cadence	NOUN
fsr-3469	523	10	with	with	ADP
fsr-3469	523	11	their	their	PRON
fsr-3469	523	12	advisor	advisor	NOUN
fsr-3469	523	13	for	for	SCONJ
fsr-3469	523	14	the	the	DET
fsr-3469	523	15	relationship	relationship	NOUN
fsr-3469	523	16	to	to	PART
fsr-3469	523	17	be	be	AUX
fsr-3469	523	18	productive	productive	ADJ
fsr-3469	523	19	.	.	PUNCT
fsr-3469	524	1	in	in	ADP
fsr-3469	524	2	addition	addition	NOUN
fsr-3469	524	3	,	,	PUNCT
fsr-3469	524	4	a	a	DET
fsr-3469	524	5	validator	validator	NOUN
fsr-3469	524	6	and	and	CCONJ
fsr-3469	524	7	self	self	NOUN
fsr-3469	524	8	-	-	PUNCT
fsr-3469	524	9	directed	direct	VERB
fsr-3469	524	10	investor	investor	NOUN
fsr-3469	524	11	may	may	AUX
fsr-3469	524	12	need	need	VERB
fsr-3469	524	13	different	different	ADJ
fsr-3469	524	14	options	option	NOUN
fsr-3469	524	15	that	that	PRON
fsr-3469	524	16	do	do	AUX
fsr-3469	524	17	not	not	PART
fsr-3469	524	18	require	require	VERB
fsr-3469	524	19	an	an	DET
fsr-3469	524	20	ongoing	ongoing	ADJ
fsr-3469	524	21	professional	professional	ADJ
fsr-3469	524	22	relationship	relationship	NOUN
fsr-3469	524	23	.	.	PUNCT
fsr-3469	525	1	while	while	SCONJ
fsr-3469	525	2	this	this	DET
fsr-3469	525	3	investigation	investigation	NOUN
fsr-3469	525	4	significantly	significantly	ADV
fsr-3469	525	5	enhances	enhance	VERB
fsr-3469	525	6	our	our	PRON
fsr-3469	525	7	understanding	understanding	NOUN
fsr-3469	525	8	of	of	ADP
fsr-3469	525	9	retirement	retirement	NOUN
fsr-3469	525	10	income	income	NOUN
fsr-3469	525	11	beliefs	belief	NOUN
fsr-3469	525	12	and	and	CCONJ
fsr-3469	525	13	retirement	retirement	NOUN
fsr-3469	525	14	outcomes	outcome	NOUN
fsr-3469	525	15	,	,	PUNCT
fsr-3469	525	16	no	no	DET
fsr-3469	525	17	research	research	NOUN
fsr-3469	525	18	is	be	AUX
fsr-3469	525	19	without	without	ADP
fsr-3469	525	20	limitations	limitation	NOUN
fsr-3469	525	21	.	.	PUNCT
fsr-3469	526	1	because	because	SCONJ
fsr-3469	526	2	our	our	PRON
fsr-3469	526	3	convenience	convenience	NOUN
fsr-3469	526	4	sample	sample	NOUN
fsr-3469	526	5	largely	largely	ADV
fsr-3469	526	6	consists	consist	VERB
fsr-3469	526	7	of	of	ADP
fsr-3469	526	8	individuals	individual	NOUN
fsr-3469	526	9	interested	interested	ADJ
fsr-3469	526	10	and	and	CCONJ
fsr-3469	526	11	well	well	ADV
fsr-3469	526	12	-	-	PUNCT
fsr-3469	526	13	read	read	NOUN
fsr-3469	526	14	in	in	ADP
fsr-3469	526	15	retirement	retirement	NOUN
fsr-3469	526	16	income	income	NOUN
fsr-3469	526	17	and	and	CCONJ
fsr-3469	526	18	possess	possess	VERB
fsr-3469	526	19	greater	great	ADJ
fsr-3469	526	20	levels	level	NOUN
fsr-3469	526	21	of	of	ADP
fsr-3469	526	22	net	net	ADJ
fsr-3469	526	23	worth	worth	NOUN
fsr-3469	526	24	than	than	ADP
fsr-3469	526	25	the	the	DET
fsr-3469	526	26	larger	large	ADJ
fsr-3469	526	27	population	population	NOUN
fsr-3469	526	28	,	,	PUNCT
fsr-3469	526	29	further	further	ADJ
fsr-3469	526	30	testing	testing	NOUN
fsr-3469	526	31	should	should	AUX
fsr-3469	526	32	be	be	AUX
fsr-3469	526	33	considered	consider	VERB
fsr-3469	526	34	with	with	ADP
fsr-3469	526	35	a	a	DET
fsr-3469	526	36	more	more	ADV
fsr-3469	526	37	diverse	diverse	ADJ
fsr-3469	526	38	population	population	NOUN
fsr-3469	526	39	.	.	PUNCT
fsr-3469	527	1	in	in	ADP
fsr-3469	527	2	addition	addition	NOUN
fsr-3469	527	3	,	,	PUNCT
fsr-3469	527	4	to	to	PART
fsr-3469	527	5	address	address	VERB
fsr-3469	527	6	the	the	DET
fsr-3469	527	7	potential	potential	ADJ
fsr-3469	527	8	issue	issue	NOUN
fsr-3469	527	9	of	of	ADP
fsr-3469	527	10	reverse	reverse	ADJ
fsr-3469	527	11	causality	causality	NOUN
fsr-3469	527	12	for	for	ADP
fsr-3469	527	13	the	the	DET
fsr-3469	527	14	advisor	advisor	NOUN
fsr-3469	527	15	usefulness	usefulness	NOUN
fsr-3469	527	16	score	score	NOUN
fsr-3469	527	17	,	,	PUNCT
fsr-3469	527	18	future	future	ADJ
fsr-3469	527	19	investigations	investigation	NOUN
fsr-3469	527	20	can	can	AUX
fsr-3469	527	21	address	address	VERB
fsr-3469	527	22	this	this	PRON
fsr-3469	527	23	beyond	beyond	ADP
fsr-3469	527	24	the	the	DET
fsr-3469	527	25	use	use	NOUN
fsr-3469	527	26	of	of	ADP
fsr-3469	527	27	control	control	NOUN
fsr-3469	527	28	variables	variable	NOUN
fsr-3469	527	29	in	in	ADP
fsr-3469	527	30	the	the	DET
fsr-3469	527	31	investigation	investigation	NOUN
fsr-3469	527	32	,	,	PUNCT
fsr-3469	527	33	as	as	SCONJ
fsr-3469	527	34	we	we	PRON
fsr-3469	527	35	have	have	VERB
fsr-3469	527	36	,	,	PUNCT
fsr-3469	527	37	by	by	ADP
fsr-3469	527	38	utilizing	utilize	VERB
fsr-3469	527	39	a	a	DET
fsr-3469	527	40	propensity	propensity	NOUN
fsr-3469	527	41	score	score	NOUN
fsr-3469	527	42	(	(	PUNCT
fsr-3469	527	43	rosenbaum	rosenbaum	PROPN
fsr-3469	527	44	&	&	CCONJ
fsr-3469	527	45	rubin	rubin	PROPN
fsr-3469	527	46	,	,	PUNCT
fsr-3469	527	47	1984	1984	NUM
fsr-3469	527	48	)	)	PUNCT
fsr-3469	527	49	.	.	PUNCT
fsr-3469	528	1	the	the	DET
fsr-3469	528	2	propensity	propensity	NOUN
fsr-3469	528	3	score	score	NOUN
fsr-3469	528	4	methodology	methodology	NOUN
fsr-3469	528	5	adjusts	adjust	VERB
fsr-3469	528	6	for	for	ADP
fsr-3469	528	7	this	this	DET
fsr-3469	528	8	potential	potential	ADJ
fsr-3469	528	9	bias	bias	NOUN
fsr-3469	528	10	.	.	PUNCT
fsr-3469	529	1	ultimately	ultimately	ADV
fsr-3469	529	2	,	,	PUNCT
fsr-3469	529	3	individuals	individual	NOUN
fsr-3469	529	4	and	and	CCONJ
fsr-3469	529	5	advisors	advisor	NOUN
fsr-3469	529	6	should	should	AUX
fsr-3469	529	7	recognize	recognize	VERB
fsr-3469	529	8	how	how	SCONJ
fsr-3469	529	9	these	these	DET
fsr-3469	529	10	factors	factor	NOUN
fsr-3469	529	11	affect	affect	VERB
fsr-3469	529	12	the	the	DET
fsr-3469	529	13	successful	successful	ADJ
fsr-3469	529	14	implementation	implementation	NOUN
fsr-3469	529	15	of	of	ADP
fsr-3469	529	16	a	a	DET
fsr-3469	529	17	retirement	retirement	NOUN
fsr-3469	529	18	income	income	NOUN
fsr-3469	529	19	plan	plan	NOUN
fsr-3469	529	20	.	.	PUNCT
fsr-3469	530	1	one	one	PRON
fsr-3469	530	2	can	can	AUX
fsr-3469	530	3	then	then	ADV
fsr-3469	530	4	be	be	AUX
fsr-3469	530	5	more	more	ADV
fsr-3469	530	6	aware	aware	ADJ
fsr-3469	530	7	of	of	ADP
fsr-3469	530	8	how	how	SCONJ
fsr-3469	530	9	to	to	PART
fsr-3469	530	10	focus	focus	VERB
fsr-3469	530	11	on	on	ADP
fsr-3469	530	12	individual	individual	ADJ
fsr-3469	530	13	strengths	strength	NOUN
fsr-3469	530	14	and	and	CCONJ
fsr-3469	530	15	weaknesses	weakness	NOUN
fsr-3469	530	16	.	.	PUNCT
fsr-3469	531	1	future	future	ADJ
fsr-3469	531	2	studies	study	NOUN
fsr-3469	531	3	should	should	AUX
fsr-3469	531	4	also	also	ADV
fsr-3469	531	5	continue	continue	VERB
fsr-3469	531	6	to	to	PART
fsr-3469	531	7	explore	explore	VERB
fsr-3469	531	8	how	how	SCONJ
fsr-3469	531	9	various	various	ADJ
fsr-3469	531	10	investor	investor	NOUN
fsr-3469	531	11	personas	persona	NOUN
fsr-3469	531	12	and	and	CCONJ
fsr-3469	531	13	implementation	implementation	NOUN
fsr-3469	531	14	strategies	strategy	NOUN
fsr-3469	531	15	can	can	AUX
fsr-3469	531	16	be	be	AUX
fsr-3469	531	17	individualized	individualize	VERB
fsr-3469	531	18	with	with	ADP
fsr-3469	531	19	greater	great	ADJ
fsr-3469	531	20	levels	level	NOUN
fsr-3469	531	21	of	of	ADP
fsr-3469	531	22	specificity	specificity	NOUN
fsr-3469	531	23	to	to	PART
fsr-3469	531	24	productively	productively	ADV
fsr-3469	531	25	engage	engage	VERB
fsr-3469	531	26	in	in	ADP
fsr-3469	531	27	a	a	DET
fsr-3469	531	28	successful	successful	ADJ
fsr-3469	531	29	retirement	retirement	NOUN
fsr-3469	531	30	plan	plan	NOUN
fsr-3469	531	31	implementation	implementation	NOUN
fsr-3469	531	32	.	.	PUNCT
fsr-3469	532	1	references	reference	NOUN
fsr-3469	532	2	agarwal	agarwal	PROPN
fsr-3469	532	3	,	,	PUNCT
fsr-3469	532	4	s.	s.	PROPN
fsr-3469	532	5	,	,	PUNCT
fsr-3469	532	6	&	&	CCONJ
fsr-3469	532	7	mazumder	mazumder	PROPN
fsr-3469	532	8	,	,	PUNCT
fsr-3469	532	9	b.	b.	PROPN
fsr-3469	532	10	(	(	PUNCT
fsr-3469	532	11	2013	2013	NUM
fsr-3469	532	12	)	)	PUNCT
fsr-3469	532	13	.	.	PUNCT
fsr-3469	533	1	cognitive	cognitive	ADJ
fsr-3469	533	2	abilities	ability	NOUN
fsr-3469	533	3	and	and	CCONJ
fsr-3469	533	4	household	household	NOUN
fsr-3469	533	5	financial	financial	ADJ
fsr-3469	533	6	decision	decision	NOUN
fsr-3469	533	7	making	making	NOUN
fsr-3469	533	8	.	.	PUNCT
fsr-3469	534	1	american	american	ADJ
fsr-3469	534	2	economic	economic	PROPN
fsr-3469	534	3	journal	journal	PROPN
fsr-3469	534	4	:	:	PUNCT
fsr-3469	534	5	applied	apply	VERB
fsr-3469	534	6	economics	economic	NOUN
fsr-3469	534	7	,	,	PUNCT
fsr-3469	534	8	5	5	NUM
fsr-3469	534	9	,	,	PUNCT
fsr-3469	534	10	193–207	193–207	NUM
fsr-3469	534	11	.	.	PUNCT
fsr-3469	534	12	available	available	ADJ
fsr-3469	534	13	at	at	ADP
fsr-3469	534	14	https://www.aeaweb.org/	https://www.aeaweb.org/	NOUN
fsr-3469	534	15	articles?id=	articles?id=	NOUN
fsr-3469	534	16	10.1257	10.1257	NUM
fsr-3469	534	17	/	/	SYM
fsr-3469	534	18	app.5.1.193	app.5.1.193	NOUN
fsr-3469	534	19	allgood	allgood	NOUN
fsr-3469	534	20	,	,	PUNCT
fsr-3469	534	21	s.	s.	PROPN
fsr-3469	534	22	,	,	PUNCT
fsr-3469	534	23	&	&	CCONJ
fsr-3469	534	24	walstad	walstad	PROPN
fsr-3469	534	25	,	,	PUNCT
fsr-3469	534	26	w.	w.	PROPN
fsr-3469	534	27	(	(	PUNCT
fsr-3469	534	28	2016	2016	NUM
fsr-3469	534	29	)	)	PUNCT
fsr-3469	534	30	.	.	PUNCT
fsr-3469	535	1	the	the	DET
fsr-3469	535	2	effects	effect	NOUN
fsr-3469	535	3	of	of	ADP
fsr-3469	535	4	perceived	perceive	VERB
fsr-3469	535	5	and	and	CCONJ
fsr-3469	535	6	actual	actual	ADJ
fsr-3469	535	7	financial	financial	ADJ
fsr-3469	535	8	literacy	literacy	NOUN
fsr-3469	535	9	on	on	ADP
fsr-3469	535	10	financial	financial	ADJ
fsr-3469	535	11	behaviors	behavior	NOUN
fsr-3469	535	12	.	.	PUNCT
fsr-3469	536	1	economic	economic	ADJ
fsr-3469	536	2	inquiry	inquiry	NOUN
fsr-3469	536	3	,	,	PUNCT
fsr-3469	536	4	54	54	NUM
fsr-3469	536	5	,	,	PUNCT
fsr-3469	536	6	675–697	675–697	NUM
fsr-3469	536	7	.	.	PUNCT
fsr-3469	537	1	28	28	NUM
fsr-3469	537	2	a.	a.	NOUN
fsr-3469	537	3	murguı́a	murguı́a	PROPN
fsr-3469	537	4	and	and	CCONJ
fsr-3469	537	5	w.	w.	PROPN
fsr-3469	537	6	pfau	pfau	PROPN
fsr-3469	537	7	/	/	SYM
fsr-3469	537	8	financial	financial	ADJ
fsr-3469	537	9	services	service	NOUN
fsr-3469	537	10	review	review	VERB
fsr-3469	537	11	30	30	NUM
fsr-3469	537	12	(	(	PUNCT
fsr-3469	537	13	2022	2022	NUM
fsr-3469	537	14	)	)	PUNCT
fsr-3469	537	15	1–29	1–29	PROPN
fsr-3469	537	16	asebedo	asebedo	PROPN
fsr-3469	537	17	,	,	PUNCT
fsr-3469	537	18	s.	s.	PROPN
fsr-3469	537	19	,	,	PUNCT
fsr-3469	537	20	&	&	CCONJ
fsr-3469	537	21	seay	seay	ADJ
fsr-3469	537	22	,	,	PUNCT
fsr-3469	537	23	m.	m.	NOUN
fsr-3469	537	24	(	(	PUNCT
fsr-3469	537	25	2018	2018	NUM
fsr-3469	537	26	)	)	PUNCT
fsr-3469	537	27	.	.	PUNCT
fsr-3469	538	1	financial	financial	ADJ
fsr-3469	538	2	self	self	NOUN
fsr-3469	538	3	-	-	PUNCT
fsr-3469	538	4	efficacy	efficacy	NOUN
fsr-3469	538	5	and	and	CCONJ
fsr-3469	538	6	the	the	DET
fsr-3469	538	7	saving	save	VERB
fsr-3469	538	8	behavior	behavior	NOUN
fsr-3469	538	9	of	of	ADP
fsr-3469	538	10	older	old	ADJ
fsr-3469	538	11	pre	pre	NOUN
fsr-3469	538	12	-	-	NOUN
fsr-3469	538	13	retirees	retiree	NOUN
fsr-3469	538	14	.	.	PUNCT
fsr-3469	539	1	journal	journal	PROPN
fsr-3469	539	2	of	of	ADP
fsr-3469	539	3	financial	financial	ADJ
fsr-3469	539	4	counseling	counseling	NOUN
fsr-3469	539	5	and	and	CCONJ
fsr-3469	539	6	planning	planning	NOUN
fsr-3469	539	7	,	,	PUNCT
fsr-3469	539	8	29	29	NUM
fsr-3469	539	9	,	,	PUNCT
fsr-3469	539	10	357–368	357–368	NUM
fsr-3469	539	11	.	.	PUNCT
fsr-3469	540	1	asebedo	asebedo	PROPN
fsr-3469	540	2	,	,	PUNCT
fsr-3469	540	3	s.	s.	PROPN
fsr-3469	540	4	d.	d.	PROPN
fsr-3469	540	5	,	,	PUNCT
fsr-3469	540	6	&	&	CCONJ
fsr-3469	540	7	browning	browning	PROPN
fsr-3469	540	8	,	,	PUNCT
fsr-3469	540	9	c.	c.	PROPN
fsr-3469	540	10	m.	m.	NOUN
fsr-3469	540	11	(	(	PUNCT
fsr-3469	540	12	2020	2020	NUM
fsr-3469	540	13	)	)	PUNCT
fsr-3469	540	14	.	.	PUNCT
fsr-3469	541	1	the	the	DET
fsr-3469	541	2	psychology	psychology	NOUN
fsr-3469	541	3	of	of	ADP
fsr-3469	541	4	portfolio	portfolio	NOUN
fsr-3469	541	5	withdrawal	withdrawal	NOUN
fsr-3469	541	6	rates	rate	NOUN
fsr-3469	541	7	.	.	PUNCT
fsr-3469	542	1	psychology	psychology	NOUN
fsr-3469	542	2	and	and	CCONJ
fsr-3469	542	3	aging	aging	NOUN
fsr-3469	542	4	,	,	PUNCT
fsr-3469	542	5	35	35	NUM
fsr-3469	542	6	,	,	PUNCT
fsr-3469	542	7	78–90	78–90	NUM
fsr-3469	542	8	.	.	PUNCT
fsr-3469	543	1	balasubramnian	balasubramnian	PROPN
fsr-3469	543	2	,	,	PUNCT
fsr-3469	543	3	b.	b.	PROPN
fsr-3469	543	4	,	,	PUNCT
fsr-3469	543	5	&	&	CCONJ
fsr-3469	543	6	sargent	sargent	PROPN
fsr-3469	543	7	,	,	PUNCT
fsr-3469	543	8	c.	c.	PROPN
fsr-3469	543	9	s.	s.	PROPN
fsr-3469	543	10	(	(	PUNCT
fsr-3469	543	11	2020	2020	NUM
fsr-3469	543	12	)	)	PUNCT
fsr-3469	543	13	.	.	PUNCT
fsr-3469	544	1	impact	impact	NOUN
fsr-3469	544	2	of	of	ADP
fsr-3469	544	3	inflated	inflated	ADJ
fsr-3469	544	4	perceptions	perception	NOUN
fsr-3469	544	5	of	of	ADP
fsr-3469	544	6	financial	financial	ADJ
fsr-3469	544	7	literacy	literacy	NOUN
fsr-3469	544	8	on	on	ADP
fsr-3469	544	9	financial	financial	ADJ
fsr-3469	544	10	decision	decision	NOUN
fsr-3469	544	11	making	making	NOUN
fsr-3469	544	12	.	.	PUNCT
fsr-3469	545	1	journal	journal	NOUN
fsr-3469	545	2	of	of	ADP
fsr-3469	545	3	economic	economic	ADJ
fsr-3469	545	4	psychology	psychology	NOUN
fsr-3469	545	5	,	,	PUNCT
fsr-3469	545	6	80	80	NUM
fsr-3469	545	7	,	,	PUNCT
fsr-3469	545	8	102306	102306	NUM
fsr-3469	545	9	.	.	PUNCT
fsr-3469	546	1	bandura	bandura	NOUN
fsr-3469	546	2	,	,	PUNCT
fsr-3469	546	3	a.	a.	NOUN
fsr-3469	546	4	(	(	PUNCT
fsr-3469	546	5	1977	1977	NUM
fsr-3469	546	6	)	)	PUNCT
fsr-3469	546	7	.	.	PUNCT
fsr-3469	547	1	self	self	NOUN
fsr-3469	547	2	-	-	PUNCT
fsr-3469	547	3	efficacy	efficacy	NOUN
fsr-3469	547	4	:	:	PUNCT
fsr-3469	547	5	toward	toward	ADP
fsr-3469	547	6	a	a	DET
fsr-3469	547	7	unifying	unifying	ADJ
fsr-3469	547	8	theory	theory	NOUN
fsr-3469	547	9	of	of	ADP
fsr-3469	547	10	behavioral	behavioral	ADJ
fsr-3469	547	11	change	change	NOUN
fsr-3469	547	12	.	.	PUNCT
fsr-3469	548	1	psychological	psychological	ADJ
fsr-3469	548	2	review	review	NOUN
fsr-3469	548	3	,	,	PUNCT
fsr-3469	548	4	84	84	NUM
fsr-3469	548	5	,	,	PUNCT
fsr-3469	548	6	191–215	191–215	NUM
fsr-3469	548	7	.	.	PUNCT
fsr-3469	548	8	bandura	bandura	NOUN
fsr-3469	548	9	,	,	PUNCT
fsr-3469	548	10	a.	a.	NOUN
fsr-3469	548	11	(	(	PUNCT
fsr-3469	548	12	1997	1997	NUM
fsr-3469	548	13	)	)	PUNCT
fsr-3469	548	14	.	.	PUNCT
fsr-3469	549	1	self	self	NOUN
fsr-3469	549	2	-	-	PUNCT
fsr-3469	549	3	efficacy	efficacy	NOUN
fsr-3469	549	4	:	:	PUNCT
fsr-3469	549	5	the	the	DET
fsr-3469	549	6	exercise	exercise	NOUN
fsr-3469	549	7	of	of	ADP
fsr-3469	549	8	control	control	NOUN
fsr-3469	549	9	.	.	PUNCT
fsr-3469	550	1	new	new	PROPN
fsr-3469	550	2	york	york	PROPN
fsr-3469	550	3	,	,	PUNCT
fsr-3469	550	4	ny	ny	PROPN
fsr-3469	550	5	:	:	PUNCT
fsr-3469	550	6	w.h	w.h	PROPN
fsr-3469	550	7	.	.	PROPN
fsr-3469	550	8	freeman	freeman	PROPN
fsr-3469	550	9	and	and	CCONJ
fsr-3469	550	10	company	company	NOUN
fsr-3469	550	11	.	.	PUNCT
fsr-3469	551	1	bandura	bandura	NOUN
fsr-3469	551	2	,	,	PUNCT
fsr-3469	551	3	a.	a.	NOUN
fsr-3469	551	4	(	(	PUNCT
fsr-3469	551	5	2006	2006	NUM
fsr-3469	551	6	)	)	PUNCT
fsr-3469	551	7	.	.	PUNCT
fsr-3469	552	1	guide	guide	VERB
fsr-3469	552	2	for	for	ADP
fsr-3469	552	3	constructing	construct	VERB
fsr-3469	552	4	self	self	NOUN
fsr-3469	552	5	-	-	PUNCT
fsr-3469	552	6	efficacy	efficacy	NOUN
fsr-3469	552	7	scales	scale	NOUN
fsr-3469	552	8	(	(	PUNCT
fsr-3469	552	9	revised	revise	VERB
fsr-3469	552	10	)	)	PUNCT
fsr-3469	552	11	.	.	PUNCT
fsr-3469	553	1	self	self	NOUN
fsr-3469	553	2	-	-	PUNCT
fsr-3469	553	3	efficacy	efficacy	NOUN
fsr-3469	553	4	beliefs	belief	NOUN
fsr-3469	553	5	of	of	ADP
fsr-3469	553	6	adolescents	adolescent	NOUN
fsr-3469	553	7	,	,	PUNCT
fsr-3469	553	8	5	5	NUM
fsr-3469	553	9	,	,	PUNCT
fsr-3469	553	10	307–337	307–337	NUM
fsr-3469	553	11	.	.	PUNCT
fsr-3469	554	1	blanchett	blanchett	PROPN
fsr-3469	554	2	,	,	PUNCT
fsr-3469	554	3	d.	d.	PROPN
fsr-3469	554	4	,	,	PUNCT
fsr-3469	554	5	kaplan	kaplan	PROPN
fsr-3469	554	6	,	,	PUNCT
fsr-3469	554	7	p.	p.	PROPN
fsr-3469	554	8	(	(	PUNCT
fsr-3469	554	9	2013	2013	NUM
fsr-3469	554	10	)	)	PUNCT
fsr-3469	554	11	.	.	PUNCT
fsr-3469	555	1	alpha	alpha	NOUN
fsr-3469	555	2	,	,	PUNCT
fsr-3469	555	3	beta	beta	NOUN
fsr-3469	555	4	,	,	PUNCT
fsr-3469	555	5	and	and	CCONJ
fsr-3469	555	6	now	now	ADV
fsr-3469	555	7	.	.	PUNCT
fsr-3469	555	8	.	.	PUNCT
fsr-3469	555	9	.	.	PUNCT
fsr-3469	556	1	gamma	gamma	PROPN
fsr-3469	556	2	.	.	PUNCT
fsr-3469	557	1	the	the	DET
fsr-3469	557	2	journal	journal	PROPN
fsr-3469	557	3	of	of	ADP
fsr-3469	557	4	retirement	retirement	NOUN
fsr-3469	557	5	,	,	PUNCT
fsr-3469	557	6	1	1	NUM
fsr-3469	557	7	,	,	PUNCT
fsr-3469	557	8	29–45	29–45	NUM
fsr-3469	557	9	.	.	PUNCT
fsr-3469	557	10	bargh	bargh	PROPN
fsr-3469	557	11	,	,	PUNCT
fsr-3469	557	12	j.	j.	PROPN
fsr-3469	557	13	a.	a.	PROPN
fsr-3469	557	14	,	,	PUNCT
fsr-3469	557	15	chen	chen	PROPN
fsr-3469	557	16	,	,	PUNCT
fsr-3469	557	17	m.	m.	NOUN
fsr-3469	557	18	,	,	PUNCT
fsr-3469	557	19	&	&	CCONJ
fsr-3469	557	20	burrows	burrow	NOUN
fsr-3469	557	21	,	,	PUNCT
fsr-3469	557	22	l.	l.	PROPN
fsr-3469	557	23	(	(	PUNCT
fsr-3469	557	24	1996	1996	NUM
fsr-3469	557	25	)	)	PUNCT
fsr-3469	557	26	.	.	PUNCT
fsr-3469	558	1	automaticity	automaticity	NOUN
fsr-3469	558	2	of	of	ADP
fsr-3469	558	3	social	social	ADJ
fsr-3469	558	4	behavior	behavior	NOUN
fsr-3469	558	5	:	:	PUNCT
fsr-3469	558	6	direct	direct	ADJ
fsr-3469	558	7	effects	effect	NOUN
fsr-3469	558	8	of	of	ADP
fsr-3469	558	9	trait	trait	NOUN
fsr-3469	558	10	construct	construct	NOUN
fsr-3469	558	11	and	and	CCONJ
fsr-3469	558	12	stereotype	stereotype	NOUN
fsr-3469	558	13	activation	activation	NOUN
fsr-3469	558	14	on	on	ADP
fsr-3469	558	15	action	action	NOUN
fsr-3469	558	16	.	.	PUNCT
fsr-3469	559	1	journal	journal	NOUN
fsr-3469	559	2	of	of	ADP
fsr-3469	559	3	personality	personality	NOUN
fsr-3469	559	4	and	and	CCONJ
fsr-3469	559	5	social	social	ADJ
fsr-3469	559	6	psychology	psychology	NOUN
fsr-3469	559	7	,	,	PUNCT
fsr-3469	559	8	71	71	NUM
fsr-3469	559	9	,	,	PUNCT
fsr-3469	559	10	230–244	230–244	NUM
fsr-3469	559	11	.	.	PUNCT
fsr-3469	560	1	devellis	devellis	PROPN
fsr-3469	560	2	,	,	PUNCT
fsr-3469	560	3	r.	r.	PROPN
fsr-3469	560	4	f.	f.	PROPN
fsr-3469	560	5	(	(	PUNCT
fsr-3469	560	6	2017	2017	NUM
fsr-3469	560	7	)	)	PUNCT
fsr-3469	560	8	.	.	PUNCT
fsr-3469	561	1	scale	scale	NOUN
fsr-3469	561	2	development	development	NOUN
fsr-3469	561	3	theory	theory	NOUN
fsr-3469	561	4	and	and	CCONJ
fsr-3469	561	5	application	application	NOUN
fsr-3469	561	6	.	.	PUNCT
fsr-3469	562	1	thousand	thousand	NUM
fsr-3469	562	2	oaks	oak	NOUN
fsr-3469	562	3	,	,	PUNCT
fsr-3469	562	4	ca	can	AUX
fsr-3469	562	5	:	:	PUNCT
fsr-3469	562	6	sage	sage	NOUN
fsr-3469	562	7	publication	publication	NOUN
fsr-3469	562	8	.	.	PUNCT
fsr-3469	563	1	fernandes	fernandes	PROPN
fsr-3469	563	2	,	,	PUNCT
fsr-3469	563	3	d.	d.	PROPN
fsr-3469	563	4	,	,	PUNCT
fsr-3469	563	5	lynch	lynch	PROPN
fsr-3469	563	6	,	,	PUNCT
fsr-3469	563	7	j.	j.	PROPN
fsr-3469	563	8	g.	g.	PROPN
fsr-3469	563	9	,	,	PUNCT
fsr-3469	563	10	jr	jr	PROPN
fsr-3469	563	11	.	.	PROPN
fsr-3469	563	12	,	,	PUNCT
fsr-3469	563	13	,	,	PUNCT
fsr-3469	563	14	&	&	CCONJ
fsr-3469	563	15	netemeyer	netemeyer	PROPN
fsr-3469	563	16	,	,	PUNCT
fsr-3469	563	17	r.	r.	PROPN
fsr-3469	563	18	g.	g.	PROPN
fsr-3469	563	19	(	(	PUNCT
fsr-3469	563	20	2014	2014	NUM
fsr-3469	563	21	)	)	PUNCT
fsr-3469	563	22	.	.	PUNCT
fsr-3469	564	1	financial	financial	ADJ
fsr-3469	564	2	literacy	literacy	NOUN
fsr-3469	564	3	,	,	PUNCT
fsr-3469	564	4	financial	financial	ADJ
fsr-3469	564	5	education	education	NOUN
fsr-3469	564	6	,	,	PUNCT
fsr-3469	564	7	and	and	CCONJ
fsr-3469	564	8	downstream	downstream	ADJ
fsr-3469	564	9	financial	financial	ADJ
fsr-3469	564	10	behaviors.management	behaviors.management	NOUN
fsr-3469	564	11	science	science	NOUN
fsr-3469	564	12	,	,	PUNCT
fsr-3469	564	13	60	60	NUM
fsr-3469	564	14	,	,	PUNCT
fsr-3469	564	15	1861–1883	1861–1883	NUM
fsr-3469	564	16	.	.	PUNCT
fsr-3469	565	1	gal	gal	PROPN
fsr-3469	565	2	,	,	PUNCT
fsr-3469	565	3	d.	d.	PROPN
fsr-3469	565	4	(	(	PUNCT
fsr-3469	565	5	2006	2006	NUM
fsr-3469	565	6	)	)	PUNCT
fsr-3469	565	7	.	.	PUNCT
fsr-3469	566	1	a	a	DET
fsr-3469	566	2	psychological	psychological	ADJ
fsr-3469	566	3	law	law	NOUN
fsr-3469	566	4	of	of	ADP
fsr-3469	566	5	inertia	inertia	NOUN
fsr-3469	566	6	and	and	CCONJ
fsr-3469	566	7	the	the	DET
fsr-3469	566	8	illusion	illusion	NOUN
fsr-3469	566	9	of	of	ADP
fsr-3469	566	10	loss	loss	NOUN
fsr-3469	566	11	aversion	aversion	NOUN
fsr-3469	566	12	.	.	PUNCT
fsr-3469	567	1	judgment	judgment	NOUN
fsr-3469	567	2	and	and	CCONJ
fsr-3469	567	3	decision	decision	NOUN
fsr-3469	567	4	making	making	NOUN
fsr-3469	567	5	,	,	PUNCT
fsr-3469	567	6	1(july	1(july	ADV
fsr-3469	567	7	)	)	PUNCT
fsr-3469	567	8	,	,	PUNCT
fsr-3469	567	9	23–32	23–32	NUM
fsr-3469	567	10	.	.	PUNCT
fsr-3469	568	1	grable	grable	PROPN
fsr-3469	568	2	,	,	PUNCT
fsr-3469	568	3	j.	j.	PROPN
fsr-3469	568	4	,	,	PUNCT
fsr-3469	568	5	&	&	CCONJ
fsr-3469	568	6	joo	joo	PROPN
fsr-3469	568	7	,	,	PUNCT
fsr-3469	568	8	s.-h	s.-h	NOUN
fsr-3469	568	9	.	.	PUNCT
fsr-3469	569	1	(	(	PUNCT
fsr-3469	569	2	1999	1999	NUM
fsr-3469	569	3	)	)	PUNCT
fsr-3469	569	4	.	.	PUNCT
fsr-3469	570	1	financial	financial	ADJ
fsr-3469	570	2	help	help	NOUN
fsr-3469	570	3	-	-	PUNCT
fsr-3469	570	4	seeking	seek	VERB
fsr-3469	570	5	behavior	behavior	NOUN
fsr-3469	570	6	:	:	PUNCT
fsr-3469	570	7	theory	theory	NOUN
fsr-3469	570	8	and	and	CCONJ
fsr-3469	570	9	implications	implication	NOUN
fsr-3469	570	10	.	.	PUNCT
fsr-3469	571	1	journal	journal	NOUN
fsr-3469	571	2	of	of	ADP
fsr-3469	571	3	financial	financial	ADJ
fsr-3469	571	4	counseling	counseling	NOUN
fsr-3469	571	5	and	and	CCONJ
fsr-3469	571	6	planning	planning	NOUN
fsr-3469	571	7	,	,	PUNCT
fsr-3469	571	8	10(1	10(1	NUM
fsr-3469	571	9	)	)	PUNCT
fsr-3469	571	10	,	,	PUNCT
fsr-3469	571	11	14–25	14–25	NUM
fsr-3469	571	12	.	.	PUNCT
fsr-3469	572	1	hibbard	hibbard	PROPN
fsr-3469	572	2	,	,	PUNCT
fsr-3469	572	3	j.	j.	PROPN
fsr-3469	572	4	h.	h.	PROPN
fsr-3469	572	5	,	,	PUNCT
fsr-3469	572	6	slovic	slovic	NOUN
fsr-3469	572	7	,	,	PUNCT
fsr-3469	572	8	p.	p.	NOUN
fsr-3469	572	9	,	,	PUNCT
fsr-3469	572	10	peters	peters	PROPN
fsr-3469	572	11	,	,	PUNCT
fsr-3469	572	12	e.	e.	PROPN
fsr-3469	572	13	,	,	PUNCT
fsr-3469	572	14	finucane	finucane	NOUN
fsr-3469	572	15	,	,	PUNCT
fsr-3469	572	16	m.	m.	NOUN
fsr-3469	572	17	l.	l.	PROPN
fsr-3469	572	18	,	,	PUNCT
fsr-3469	572	19	&	&	CCONJ
fsr-3469	572	20	tusler	tusler	PROPN
fsr-3469	572	21	,	,	PUNCT
fsr-3469	572	22	m.	m.	NOUN
fsr-3469	572	23	(	(	PUNCT
fsr-3469	572	24	2001	2001	NUM
fsr-3469	572	25	)	)	PUNCT
fsr-3469	572	26	.	.	PUNCT
fsr-3469	573	1	is	be	AUX
fsr-3469	573	2	the	the	DET
fsr-3469	573	3	informed	inform	VERB
fsr-3469	573	4	-	-	PUNCT
fsr-3469	573	5	choice	choice	NOUN
fsr-3469	573	6	policy	policy	NOUN
fsr-3469	573	7	approach	approach	NOUN
fsr-3469	573	8	appropriate	appropriate	ADJ
fsr-3469	573	9	for	for	ADP
fsr-3469	573	10	medicare	medicare	PROPN
fsr-3469	573	11	beneficiaries	beneficiary	NOUN
fsr-3469	573	12	?	?	PUNCT
fsr-3469	574	1	health	health	NOUN
fsr-3469	574	2	affairs	affair	NOUN
fsr-3469	574	3	(	(	PUNCT
fsr-3469	574	4	project	project	PROPN
fsr-3469	574	5	hope	hope	PROPN
fsr-3469	574	6	)	)	PUNCT
fsr-3469	574	7	,	,	PUNCT
fsr-3469	574	8	20	20	NUM
fsr-3469	574	9	,	,	PUNCT
fsr-3469	574	10	199–203	199–203	NUM
fsr-3469	574	11	.	.	PUNCT
fsr-3469	575	1	kahneman	kahneman	PROPN
fsr-3469	575	2	,	,	PUNCT
fsr-3469	575	3	d.	d.	PROPN
fsr-3469	575	4	,	,	PUNCT
fsr-3469	575	5	&	&	CCONJ
fsr-3469	575	6	tversky	tversky	PROPN
fsr-3469	575	7	,	,	PUNCT
fsr-3469	575	8	a.	a.	NOUN
fsr-3469	575	9	(	(	PUNCT
fsr-3469	575	10	1979	1979	NUM
fsr-3469	575	11	)	)	PUNCT
fsr-3469	575	12	.	.	PUNCT
fsr-3469	576	1	prospect	prospect	PROPN
fsr-3469	576	2	theory	theory	NOUN
fsr-3469	576	3	:	:	PUNCT
fsr-3469	576	4	an	an	DET
fsr-3469	576	5	analysis	analysis	NOUN
fsr-3469	576	6	of	of	ADP
fsr-3469	576	7	decision	decision	NOUN
fsr-3469	576	8	under	under	ADP
fsr-3469	576	9	risk	risk	NOUN
fsr-3469	576	10	.	.	PUNCT
fsr-3469	577	1	econometrica	econometrica	PROPN
fsr-3469	577	2	,	,	PUNCT
fsr-3469	577	3	47	47	NUM
fsr-3469	577	4	,	,	PUNCT
fsr-3469	577	5	263–291	263–291	NUM
fsr-3469	577	6	.	.	PUNCT
fsr-3469	578	1	kell	kell	PROPN
fsr-3469	578	2	,	,	PUNCT
fsr-3469	578	3	p.	p.	NOUN
fsr-3469	578	4	(	(	PUNCT
fsr-3469	578	5	2014	2014	NUM
fsr-3469	578	6	)	)	PUNCT
fsr-3469	578	7	.	.	PUNCT
fsr-3469	579	1	early	early	ADJ
fsr-3469	579	2	financial	financial	ADJ
fsr-3469	579	3	literacy	literacy	NOUN
fsr-3469	579	4	education	education	NOUN
fsr-3469	579	5	key	key	NOUN
fsr-3469	579	6	to	to	AUX
fsr-3469	579	7	informed	inform	VERB
fsr-3469	579	8	financial	financial	ADJ
fsr-3469	579	9	decisions	decision	NOUN
fsr-3469	579	10	.	.	PUNCT
fsr-3469	580	1	governance	governance	NOUN
fsr-3469	580	2	directions	direction	NOUN
fsr-3469	580	3	,	,	PUNCT
fsr-3469	580	4	66	66	NUM
fsr-3469	580	5	,	,	PUNCT
fsr-3469	580	6	685–688	685–688	NUM
fsr-3469	580	7	.	.	PUNCT
fsr-3469	581	1	available	available	ADJ
fsr-3469	581	2	at	at	ADP
fsr-3469	581	3	https://search.informit.com.au/documentsummary;dn=791221674677151;res=	https://search.informit.com.au/documentsummary;dn=791221674677151;res=	PROPN
fsr-3469	581	4	ielapa	ielapa	ADJ
fsr-3469	581	5	kinniry	kinniry	NOUN
fsr-3469	581	6	,	,	PUNCT
fsr-3469	581	7	f.	f.	PROPN
fsr-3469	581	8	m.	m.	PROPN
fsr-3469	581	9	,	,	PUNCT
fsr-3469	581	10	jaconetti	jaconetti	PROPN
fsr-3469	581	11	,	,	PUNCT
fsr-3469	581	12	c.	c.	PROPN
fsr-3469	581	13	m.	m.	NOUN
fsr-3469	581	14	,	,	PUNCT
fsr-3469	581	15	chin	chin	PROPN
fsr-3469	581	16	,	,	PUNCT
fsr-3469	581	17	p.	p.	PROPN
fsr-3469	581	18	,	,	PUNCT
fsr-3469	581	19	polanco	polanco	PROPN
fsr-3469	581	20	,	,	PUNCT
fsr-3469	581	21	f.	f.	PROPN
fsr-3469	581	22	,	,	PUNCT
fsr-3469	581	23	&	&	CCONJ
fsr-3469	581	24	zilbering	zilbering	PROPN
fsr-3469	581	25	,	,	PUNCT
fsr-3469	581	26	y.	y.	PROPN
fsr-3469	581	27	(	(	PUNCT
fsr-3469	581	28	2015	2015	NUM
fsr-3469	581	29	)	)	PUNCT
fsr-3469	581	30	.	.	PUNCT
fsr-3469	582	1	putting	put	VERB
fsr-3469	582	2	a	a	DET
fsr-3469	582	3	value	value	NOUN
fsr-3469	582	4	on	on	ADP
fsr-3469	582	5	your	your	PRON
fsr-3469	582	6	value	value	NOUN
fsr-3469	582	7	:	:	PUNCT
fsr-3469	582	8	quantifying	quantify	VERB
fsr-3469	582	9	vanguard	vanguard	NOUN
fsr-3469	582	10	adviser	adviser	NOUN
fsr-3469	582	11	’s	’s	PART
fsr-3469	582	12	alpha	alpha	PROPN
fsr-3469	582	13	.	.	PUNCT
fsr-3469	583	1	valley	valley	PROPN
fsr-3469	583	2	forge	forge	NOUN
fsr-3469	583	3	,	,	PUNCT
fsr-3469	583	4	pa	pa	PROPN
fsr-3469	583	5	:	:	PUNCT
fsr-3469	583	6	the	the	DET
fsr-3469	583	7	vanguard	vanguard	PROPN
fsr-3469	583	8	group	group	PROPN
fsr-3469	583	9	.	.	PUNCT
fsr-3469	584	1	kruger	kruger	PROPN
fsr-3469	584	2	,	,	PUNCT
fsr-3469	584	3	j.	j.	PROPN
fsr-3469	584	4	,	,	PUNCT
fsr-3469	584	5	&	&	CCONJ
fsr-3469	584	6	dunning	dun	VERB
fsr-3469	584	7	,	,	PUNCT
fsr-3469	584	8	d.	d.	PROPN
fsr-3469	584	9	(	(	PUNCT
fsr-3469	584	10	1999	1999	NUM
fsr-3469	584	11	)	)	PUNCT
fsr-3469	584	12	.	.	PUNCT
fsr-3469	585	1	unskilled	unskilled	ADJ
fsr-3469	585	2	and	and	CCONJ
fsr-3469	585	3	unaware	unaware	ADJ
fsr-3469	585	4	of	of	ADP
fsr-3469	585	5	it	it	PRON
fsr-3469	585	6	:	:	PUNCT
fsr-3469	585	7	how	how	SCONJ
fsr-3469	585	8	difficulties	difficulty	NOUN
fsr-3469	585	9	in	in	ADP
fsr-3469	585	10	recognizing	recognize	VERB
fsr-3469	585	11	one	one	NUM
fsr-3469	585	12	’s	’s	PART
fsr-3469	585	13	incompetence	incompetence	NOUN
fsr-3469	585	14	lead	lead	NOUN
fsr-3469	585	15	to	to	ADP
fsr-3469	585	16	inflated	inflated	ADJ
fsr-3469	585	17	self	self	NOUN
fsr-3469	585	18	-	-	PUNCT
fsr-3469	585	19	assessments	assessment	NOUN
fsr-3469	585	20	.	.	PUNCT
fsr-3469	586	1	journal	journal	NOUN
fsr-3469	586	2	of	of	ADP
fsr-3469	586	3	personality	personality	NOUN
fsr-3469	586	4	and	and	CCONJ
fsr-3469	586	5	social	social	ADJ
fsr-3469	586	6	psychology	psychology	NOUN
fsr-3469	586	7	,	,	PUNCT
fsr-3469	586	8	77	77	NUM
fsr-3469	586	9	,	,	PUNCT
fsr-3469	586	10	1121–1134	1121–1134	NUM
fsr-3469	586	11	.	.	PUNCT
fsr-3469	586	12	lown	lown	PROPN
fsr-3469	586	13	,	,	PUNCT
fsr-3469	587	1	j.	j.	PROPN
fsr-3469	587	2	m.	m.	PROPN
fsr-3469	587	3	(	(	PUNCT
fsr-3469	587	4	2011	2011	NUM
fsr-3469	587	5	)	)	PUNCT
fsr-3469	587	6	.	.	PUNCT
fsr-3469	588	1	development	development	NOUN
fsr-3469	588	2	and	and	CCONJ
fsr-3469	588	3	validation	validation	NOUN
fsr-3469	588	4	of	of	ADP
fsr-3469	588	5	a	a	DET
fsr-3469	588	6	financial	financial	ADJ
fsr-3469	588	7	self	self	NOUN
fsr-3469	588	8	-	-	PUNCT
fsr-3469	588	9	efficacy	efficacy	NOUN
fsr-3469	588	10	scale	scale	NOUN
fsr-3469	588	11	.	.	PUNCT
fsr-3469	589	1	journal	journal	NOUN
fsr-3469	589	2	of	of	ADP
fsr-3469	589	3	financial	financial	ADJ
fsr-3469	589	4	counseling	counseling	NOUN
fsr-3469	589	5	and	and	CCONJ
fsr-3469	589	6	planning	planning	NOUN
fsr-3469	589	7	,	,	PUNCT
fsr-3469	589	8	22	22	NUM
fsr-3469	589	9	,	,	PUNCT
fsr-3469	589	10	54–63	54–63	NUM
fsr-3469	589	11	.	.	PUNCT
fsr-3469	589	12	lusardi	lusardi	PROPN
fsr-3469	589	13	,	,	PUNCT
fsr-3469	589	14	a.	a.	PROPN
fsr-3469	589	15	,	,	PUNCT
fsr-3469	589	16	&	&	CCONJ
fsr-3469	589	17	mitchell	mitchell	PROPN
fsr-3469	589	18	,	,	PUNCT
fsr-3469	589	19	o.	o.	PROPN
fsr-3469	589	20	s.	s.	PROPN
fsr-3469	589	21	(	(	PUNCT
fsr-3469	589	22	2014	2014	NUM
fsr-3469	589	23	)	)	PUNCT
fsr-3469	589	24	.	.	PUNCT
fsr-3469	590	1	the	the	DET
fsr-3469	590	2	economic	economic	ADJ
fsr-3469	590	3	importance	importance	NOUN
fsr-3469	590	4	of	of	ADP
fsr-3469	590	5	financial	financial	ADJ
fsr-3469	590	6	literacy	literacy	NOUN
fsr-3469	590	7	:	:	PUNCT
fsr-3469	590	8	theory	theory	NOUN
fsr-3469	590	9	and	and	CCONJ
fsr-3469	590	10	evidence	evidence	NOUN
fsr-3469	590	11	.	.	PUNCT
fsr-3469	591	1	journal	journal	NOUN
fsr-3469	591	2	of	of	ADP
fsr-3469	591	3	economic	economic	ADJ
fsr-3469	591	4	literature	literature	NOUN
fsr-3469	591	5	,	,	PUNCT
fsr-3469	591	6	52	52	NUM
fsr-3469	591	7	,	,	PUNCT
fsr-3469	591	8	5–44	5–44	PROPN
fsr-3469	591	9	.	.	PUNCT
fsr-3469	591	10	marsden	marsden	PROPN
fsr-3469	591	11	,	,	PUNCT
fsr-3469	591	12	m.	m.	NOUN
fsr-3469	591	13	,	,	PUNCT
fsr-3469	591	14	zick	zick	PROPN
fsr-3469	591	15	,	,	PUNCT
fsr-3469	591	16	c.	c.	PROPN
fsr-3469	591	17	,	,	PUNCT
fsr-3469	591	18	&	&	CCONJ
fsr-3469	591	19	mayer	mayer	PROPN
fsr-3469	591	20	,	,	PUNCT
fsr-3469	591	21	r.	r.	PROPN
fsr-3469	591	22	(	(	PUNCT
fsr-3469	591	23	2011	2011	NUM
fsr-3469	591	24	)	)	PUNCT
fsr-3469	591	25	.	.	PUNCT
fsr-3469	592	1	the	the	DET
fsr-3469	592	2	value	value	NOUN
fsr-3469	592	3	of	of	ADP
fsr-3469	592	4	seeking	seek	VERB
fsr-3469	592	5	financial	financial	ADJ
fsr-3469	592	6	advice	advice	NOUN
fsr-3469	592	7	.	.	PUNCT
fsr-3469	593	1	journal	journal	NOUN
fsr-3469	593	2	of	of	ADP
fsr-3469	593	3	family	family	NOUN
fsr-3469	593	4	and	and	CCONJ
fsr-3469	593	5	economic	economic	ADJ
fsr-3469	593	6	issues	issue	NOUN
fsr-3469	593	7	,	,	PUNCT
fsr-3469	593	8	32	32	NUM
fsr-3469	593	9	,	,	PUNCT
fsr-3469	593	10	625–643	625–643	NUM
fsr-3469	593	11	.	.	PUNCT
fsr-3469	594	1	newall	newall	NOUN
fsr-3469	594	2	,	,	PUNCT
fsr-3469	594	3	p.	p.	PROPN
fsr-3469	594	4	w.	w.	PROPN
fsr-3469	594	5	s.	s.	PROPN
fsr-3469	594	6	(	(	PUNCT
fsr-3469	594	7	2016	2016	NUM
fsr-3469	594	8	)	)	PUNCT
fsr-3469	594	9	.	.	PUNCT
fsr-3469	595	1	downside	downside	ADJ
fsr-3469	595	2	financial	financial	ADJ
fsr-3469	595	3	risk	risk	NOUN
fsr-3469	595	4	is	be	AUX
fsr-3469	595	5	misunderstood	misunderstood	NOUN
fsr-3469	595	6	.	.	PUNCT
fsr-3469	596	1	judgment	judgment	NOUN
fsr-3469	596	2	and	and	CCONJ
fsr-3469	596	3	decision	decision	NOUN
fsr-3469	596	4	making	making	NOUN
fsr-3469	596	5	,	,	PUNCT
fsr-3469	596	6	11(5	11(5	NUM
fsr-3469	596	7	)	)	PUNCT
fsr-3469	596	8	,	,	PUNCT
fsr-3469	596	9	416	416	NUM
fsr-3469	596	10	–	–	SYM
fsr-3469	596	11	423	423	NUM
fsr-3469	596	12	.	.	PUNCT
fsr-3469	596	13	available	available	ADJ
fsr-3469	596	14	at	at	ADP
fsr-3469	596	15	https://econpapers.repec.org/repec	https://econpapers.repec.org/repec	PROPN
fsr-3469	596	16	:	:	PUNCT
fsr-3469	596	17	jdm	jdm	NOUN
fsr-3469	596	18	:	:	PUNCT
fsr-3469	596	19	journl	journl	ADJ
fsr-3469	596	20	:	:	PUNCT
fsr-3469	596	21	v:11	v:11	ADJ
fsr-3469	596	22	:	:	PUNCT
fsr-3469	596	23	y:2016	y:2016	PROPN
fsr-3469	596	24	:	:	PUNCT
fsr-3469	596	25	i:5	i:5	ADP
fsr-3469	596	26	:	:	PUNCT
fsr-3469	596	27	p:416	p:416	NOUN
fsr-3469	596	28	-	-	PUNCT
fsr-3469	596	29	423	423	NUM
fsr-3469	596	30	rosenbaum	rosenbaum	PROPN
fsr-3469	596	31	,	,	PUNCT
fsr-3469	596	32	p.	p.	PROPN
fsr-3469	596	33	r.	r.	PROPN
fsr-3469	596	34	,	,	PUNCT
fsr-3469	596	35	&	&	CCONJ
fsr-3469	596	36	rubin	rubin	PROPN
fsr-3469	596	37	,	,	PUNCT
fsr-3469	596	38	d.	d.	PROPN
fsr-3469	596	39	b.	b.	PROPN
fsr-3469	596	40	(	(	PUNCT
fsr-3469	596	41	1984	1984	NUM
fsr-3469	596	42	)	)	PUNCT
fsr-3469	596	43	.	.	PUNCT
fsr-3469	597	1	reducing	reduce	VERB
fsr-3469	597	2	bias	bias	NOUN
fsr-3469	597	3	in	in	ADP
fsr-3469	597	4	observational	observational	ADJ
fsr-3469	597	5	studies	study	NOUN
fsr-3469	597	6	using	use	VERB
fsr-3469	597	7	subclassification	subclassification	NOUN
fsr-3469	597	8	on	on	ADP
fsr-3469	597	9	the	the	DET
fsr-3469	597	10	propensity	propensity	NOUN
fsr-3469	597	11	score	score	NOUN
fsr-3469	597	12	.	.	PUNCT
fsr-3469	598	1	journal	journal	NOUN
fsr-3469	598	2	of	of	ADP
fsr-3469	598	3	the	the	DET
fsr-3469	598	4	american	american	PROPN
fsr-3469	598	5	statistical	statistical	PROPN
fsr-3469	598	6	association	association	NOUN
fsr-3469	598	7	,	,	PUNCT
fsr-3469	598	8	79	79	NUM
fsr-3469	598	9	,	,	PUNCT
fsr-3469	598	10	516–524	516–524	NUM
fsr-3469	598	11	.	.	PUNCT
fsr-3469	599	1	tversky	tversky	PROPN
fsr-3469	599	2	,	,	PUNCT
fsr-3469	599	3	a.	a.	PROPN
fsr-3469	599	4	,	,	PUNCT
fsr-3469	599	5	&	&	CCONJ
fsr-3469	599	6	kahneman	kahneman	PROPN
fsr-3469	599	7	,	,	PUNCT
fsr-3469	599	8	d.	d.	PROPN
fsr-3469	599	9	(	(	PUNCT
fsr-3469	599	10	1974	1974	NUM
fsr-3469	599	11	)	)	PUNCT
fsr-3469	599	12	.	.	PUNCT
fsr-3469	600	1	judgment	judgment	NOUN
fsr-3469	600	2	under	under	ADP
fsr-3469	600	3	uncertainty	uncertainty	NOUN
fsr-3469	600	4	:	:	PUNCT
fsr-3469	600	5	heuristics	heuristic	NOUN
fsr-3469	600	6	and	and	CCONJ
fsr-3469	600	7	biases	bias	NOUN
fsr-3469	600	8	.	.	PUNCT
fsr-3469	601	1	science	science	NOUN
fsr-3469	601	2	,	,	PUNCT
fsr-3469	601	3	185	185	NUM
fsr-3469	601	4	,	,	PUNCT
fsr-3469	601	5	1124	1124	NUM
fsr-3469	601	6	–	–	PUNCT
fsr-3469	601	7	1131	1131	NUM
fsr-3469	601	8	.	.	PUNCT
fsr-3469	602	1	weller	weller	PROPN
fsr-3469	602	2	,	,	PUNCT
fsr-3469	602	3	j.	j.	PROPN
fsr-3469	602	4	a.	a.	PROPN
fsr-3469	602	5	,	,	PUNCT
fsr-3469	602	6	dieckmann	dieckmann	PROPN
fsr-3469	602	7	,	,	PUNCT
fsr-3469	602	8	n.	n.	PROPN
fsr-3469	602	9	f.	f.	PROPN
fsr-3469	602	10	,	,	PUNCT
fsr-3469	602	11	tusler	tusler	NOUN
fsr-3469	602	12	,	,	PUNCT
fsr-3469	602	13	m.	m.	NOUN
fsr-3469	602	14	,	,	PUNCT
fsr-3469	602	15	mertz	mertz	PROPN
fsr-3469	602	16	,	,	PUNCT
fsr-3469	602	17	c.	c.	PROPN
fsr-3469	602	18	k.	k.	PROPN
fsr-3469	602	19	,	,	PUNCT
fsr-3469	602	20	burns	burn	NOUN
fsr-3469	602	21	,	,	PUNCT
fsr-3469	602	22	w.	w.	PROPN
fsr-3469	602	23	j.	j.	PROPN
fsr-3469	602	24	,	,	PUNCT
fsr-3469	602	25	&	&	CCONJ
fsr-3469	602	26	peters	peters	PROPN
fsr-3469	602	27	,	,	PUNCT
fsr-3469	602	28	e.	e.	PROPN
fsr-3469	602	29	(	(	PUNCT
fsr-3469	602	30	2013	2013	NUM
fsr-3469	602	31	)	)	PUNCT
fsr-3469	602	32	.	.	PUNCT
fsr-3469	603	1	development	development	NOUN
fsr-3469	603	2	and	and	CCONJ
fsr-3469	603	3	testing	testing	NOUN
fsr-3469	603	4	of	of	ADP
fsr-3469	603	5	an	an	DET
fsr-3469	603	6	abbreviated	abbreviate	VERB
fsr-3469	603	7	numeracy	numeracy	NOUN
fsr-3469	603	8	scale	scale	NOUN
fsr-3469	603	9	:	:	PUNCT
fsr-3469	603	10	a	a	DET
fsr-3469	603	11	rasch	rasch	PROPN
fsr-3469	603	12	analysis	analysis	NOUN
fsr-3469	603	13	approach	approach	NOUN
fsr-3469	603	14	.	.	PUNCT
fsr-3469	604	1	journal	journal	NOUN
fsr-3469	604	2	of	of	ADP
fsr-3469	604	3	behavioral	behavioral	ADJ
fsr-3469	604	4	decision	decision	NOUN
fsr-3469	604	5	making	making	NOUN
fsr-3469	604	6	,	,	PUNCT
fsr-3469	604	7	26	26	NUM
fsr-3469	604	8	,	,	PUNCT
fsr-3469	604	9	198–212	198–212	NUM
fsr-3469	604	10	.	.	PUNCT
fsr-3469	605	1	zumbrum	zumbrum	PROPN
fsr-3469	605	2	,	,	PUNCT
fsr-3469	605	3	j.	j.	PROPN
fsr-3469	605	4	(	(	PUNCT
fsr-3469	605	5	2015	2015	NUM
fsr-3469	605	6	november	november	PROPN
fsr-3469	605	7	18	18	NUM
fsr-3469	605	8	)	)	PUNCT
fsr-3469	605	9	.	.	PUNCT
fsr-3469	606	1	the	the	DET
fsr-3469	606	2	u.s	u.s	PROPN
fsr-3469	606	3	.	.	PROPN
fsr-3469	606	4	may	may	AUX
fsr-3469	606	5	be	be	AUX
fsr-3469	606	6	the	the	DET
fsr-3469	606	7	world	world	NOUN
fsr-3469	606	8	’s	’s	PART
fsr-3469	606	9	richest	rich	ADJ
fsr-3469	606	10	country	country	NOUN
fsr-3469	606	11	,	,	PUNCT
fsr-3469	606	12	but	but	CCONJ
fsr-3469	606	13	it	it	PRON
fsr-3469	606	14	ranks	rank	VERB
fsr-3469	606	15	14th	14th	ADJ
fsr-3469	606	16	in	in	ADP
fsr-3469	606	17	financial	financial	ADJ
fsr-3469	606	18	literacy	literacy	NOUN
fsr-3469	606	19	.	.	PUNCT
fsr-3469	607	1	the	the	DET
fsr-3469	607	2	wall	wall	PROPN
fsr-3469	607	3	street	street	PROPN
fsr-3469	607	4	journal	journal	PROPN
fsr-3469	607	5	.	.	PUNCT
fsr-3469	608	1	available	available	ADJ
fsr-3469	608	2	at	at	ADP
fsr-3469	608	3	http://blogs.wsj.com/economics/2015/11/18/theus-may-be-the-worlds-richest-country-but	http://blogs.wsj.com/economics/2015/11/18/theus-may-be-the-worlds-richest-country-but	PROPN
fsr-3469	608	4	-it	-it	NOUN
fsr-3469	608	5	-	-	PUNCT
fsr-3469	608	6	ranks-14th	ranks-14th	NOUN
fsr-3469	608	7	-	-	PUNCT
fsr-3469	608	8	in	in	ADP
fsr-3469	608	9	-	-	PUNCT
fsr-3469	608	10	financial	financial	ADJ
fsr-3469	608	11	-	-	PUNCT
fsr-3469	608	12	literacy/	literacy/	NUM
fsr-3469	608	13	a.	a.	NOUN
fsr-3469	608	14	murgua	murgua	PROPN
fsr-3469	608	15	and	and	CCONJ
fsr-3469	608	16	w.	w.	PROPN
fsr-3469	608	17	pfau	pfau	PROPN
fsr-3469	608	18	/	/	SYM
fsr-3469	608	19	financial	financial	ADJ
fsr-3469	608	20	services	service	NOUN
fsr-3469	608	21	review	review	VERB
fsr-3469	608	22	30	30	NUM
fsr-3469	608	23	(	(	PUNCT
fsr-3469	608	24	2022	2022	NUM
fsr-3469	608	25	)	)	PUNCT
fsr-3469	608	26	1–29	1–29	PROPN
fsr-3469	608	27	29	29	NUM