id	sid	tid	token	lemma	pos
fsr-3475	1	1	from	from	ADP
fsr-3475	1	2	the	the	DET
fsr-3475	1	3	editor	editor	NOUN
fsr-3475	1	4	this	this	DET
fsr-3475	1	5	issue	issue	NOUN
fsr-3475	1	6	contains	contain	VERB
fsr-3475	1	7	volume	volume	NOUN
fsr-3475	1	8	30	30	NUM
fsr-3475	1	9	issue	issue	NOUN
fsr-3475	1	10	2	2	NUM
fsr-3475	1	11	of	of	ADP
fsr-3475	1	12	the	the	DET
fsr-3475	1	13	financial	financial	ADJ
fsr-3475	1	14	services	service	NOUN
fsr-3475	1	15	review	review	NOUN
fsr-3475	1	16	(	(	PUNCT
fsr-3475	1	17	fsr	fsr	PROPN
fsr-3475	1	18	)	)	PUNCT
fsr-3475	1	19	.	.	PUNCT
fsr-3475	2	1	issue	issue	NOUN
fsr-3475	2	2	2	2	NUM
fsr-3475	2	3	is	be	AUX
fsr-3475	2	4	integral	integral	ADJ
fsr-3475	2	5	because	because	SCONJ
fsr-3475	2	6	it	it	PRON
fsr-3475	2	7	is	be	AUX
fsr-3475	2	8	the	the	DET
fsr-3475	2	9	first	first	ADJ
fsr-3475	2	10	to	to	PART
fsr-3475	2	11	be	be	AUX
fsr-3475	2	12	published	publish	VERB
fsr-3475	2	13	since	since	SCONJ
fsr-3475	2	14	the	the	DET
fsr-3475	2	15	unexpected	unexpected	ADJ
fsr-3475	2	16	passing	passing	NOUN
fsr-3475	2	17	of	of	ADP
fsr-3475	2	18	our	our	PRON
fsr-3475	2	19	longterm	longterm	PROPN
fsr-3475	2	20	editor	editor	NOUN
fsr-3475	2	21	,	,	PUNCT
fsr-3475	2	22	dr	dr	PROPN
fsr-3475	2	23	.	.	PROPN
fsr-3475	2	24	stuart	stuart	PROPN
fsr-3475	2	25	michelson	michelson	PROPN
fsr-3475	2	26	.	.	PUNCT
fsr-3475	3	1	for	for	ADP
fsr-3475	3	2	our	our	PRON
fsr-3475	3	3	readers	reader	NOUN
fsr-3475	3	4	,	,	PUNCT
fsr-3475	3	5	who	who	PRON
fsr-3475	3	6	may	may	AUX
fsr-3475	3	7	not	not	PART
fsr-3475	3	8	be	be	AUX
fsr-3475	3	9	aware	aware	ADJ
fsr-3475	3	10	,	,	PUNCT
fsr-3475	3	11	dr	dr	PROPN
fsr-3475	3	12	.	.	PROPN
fsr-3475	3	13	michelson	michelson	PROPN
fsr-3475	3	14	passed	pass	VERB
fsr-3475	3	15	away	away	ADP
fsr-3475	3	16	unexpectedly	unexpectedly	ADV
fsr-3475	3	17	in	in	ADP
fsr-3475	3	18	march	march	NOUN
fsr-3475	3	19	of	of	ADP
fsr-3475	3	20	this	this	DET
fsr-3475	3	21	year	year	NOUN
fsr-3475	3	22	.	.	PUNCT
fsr-3475	4	1	on	on	ADP
fsr-3475	4	2	behalf	behalf	NOUN
fsr-3475	4	3	of	of	ADP
fsr-3475	4	4	the	the	DET
fsr-3475	4	5	president	president	NOUN
fsr-3475	4	6	of	of	ADP
fsr-3475	4	7	the	the	DET
fsr-3475	4	8	academy	academy	PROPN
fsr-3475	4	9	of	of	ADP
fsr-3475	4	10	financial	financial	ADJ
fsr-3475	4	11	services	service	NOUN
fsr-3475	4	12	and	and	CCONJ
fsr-3475	4	13	the	the	DET
fsr-3475	4	14	entire	entire	ADJ
fsr-3475	4	15	executive	executive	ADJ
fsr-3475	4	16	team	team	NOUN
fsr-3475	4	17	and	and	CCONJ
fsr-3475	4	18	board	board	NOUN
fsr-3475	4	19	,	,	PUNCT
fsr-3475	4	20	we	we	PRON
fsr-3475	4	21	would	would	AUX
fsr-3475	4	22	like	like	VERB
fsr-3475	4	23	to	to	PART
fsr-3475	4	24	express	express	VERB
fsr-3475	4	25	our	our	PRON
fsr-3475	4	26	sincere	sincere	ADJ
fsr-3475	4	27	condolences	condolence	NOUN
fsr-3475	4	28	to	to	ADP
fsr-3475	4	29	his	his	PRON
fsr-3475	4	30	family	family	NOUN
fsr-3475	4	31	,	,	PUNCT
fsr-3475	4	32	friends	friend	NOUN
fsr-3475	4	33	,	,	PUNCT
fsr-3475	4	34	and	and	CCONJ
fsr-3475	4	35	colleagues	colleague	NOUN
fsr-3475	4	36	.	.	PUNCT
fsr-3475	5	1	to	to	PART
fsr-3475	5	2	honor	honor	VERB
fsr-3475	5	3	dr	dr	PROPN
fsr-3475	5	4	.	.	PROPN
fsr-3475	5	5	michelson	michelson	PROPN
fsr-3475	5	6	,	,	PUNCT
fsr-3475	5	7	we	we	PRON
fsr-3475	5	8	will	will	AUX
fsr-3475	5	9	be	be	AUX
fsr-3475	5	10	naming	name	VERB
fsr-3475	5	11	an	an	DET
fsr-3475	5	12	award	award	NOUN
fsr-3475	5	13	after	after	ADP
fsr-3475	5	14	him	he	PRON
fsr-3475	5	15	at	at	ADP
fsr-3475	5	16	the	the	DET
fsr-3475	5	17	annual	annual	ADJ
fsr-3475	5	18	conference	conference	NOUN
fsr-3475	5	19	of	of	ADP
fsr-3475	5	20	the	the	DET
fsr-3475	5	21	academy	academy	NOUN
fsr-3475	5	22	of	of	ADP
fsr-3475	5	23	financial	financial	ADJ
fsr-3475	5	24	services	service	NOUN
fsr-3475	5	25	.	.	PUNCT
fsr-3475	6	1	during	during	ADP
fsr-3475	6	2	this	this	DET
fsr-3475	6	3	transition	transition	NOUN
fsr-3475	6	4	,	,	PUNCT
fsr-3475	6	5	i	i	PRON
fsr-3475	6	6	will	will	AUX
fsr-3475	6	7	be	be	AUX
fsr-3475	6	8	taking	take	VERB
fsr-3475	6	9	over	over	ADP
fsr-3475	6	10	the	the	DET
fsr-3475	6	11	fsr	fsr	PROPN
fsr-3475	6	12	editorship	editorship	NOUN
fsr-3475	6	13	’s	’s	PART
fsr-3475	6	14	duties	duty	NOUN
fsr-3475	6	15	,	,	PUNCT
fsr-3475	6	16	having	having	AUX
fsr-3475	6	17	previously	previously	ADV
fsr-3475	6	18	worked	work	VERB
fsr-3475	6	19	with	with	ADP
fsr-3475	6	20	dr	dr	PROPN
fsr-3475	6	21	.	.	PROPN
fsr-3475	6	22	michelson	michelson	PROPN
fsr-3475	6	23	as	as	ADP
fsr-3475	6	24	a	a	DET
fsr-3475	6	25	guest	guest	NOUN
fsr-3475	6	26	editor	editor	NOUN
fsr-3475	6	27	.	.	PUNCT
fsr-3475	7	1	i	i	PRON
fsr-3475	7	2	would	would	AUX
fsr-3475	7	3	like	like	VERB
fsr-3475	7	4	to	to	PART
fsr-3475	7	5	personally	personally	ADV
fsr-3475	7	6	thank	thank	VERB
fsr-3475	7	7	the	the	DET
fsr-3475	7	8	board	board	NOUN
fsr-3475	7	9	and	and	CCONJ
fsr-3475	7	10	academy	academy	PROPN
fsr-3475	7	11	of	of	ADP
fsr-3475	7	12	financial	financial	ADJ
fsr-3475	7	13	services	service	NOUN
fsr-3475	7	14	members	member	NOUN
fsr-3475	7	15	for	for	ADP
fsr-3475	7	16	their	their	PRON
fsr-3475	7	17	support	support	NOUN
fsr-3475	7	18	.	.	PUNCT
fsr-3475	8	1	i	i	PRON
fsr-3475	8	2	would	would	AUX
fsr-3475	8	3	also	also	ADV
fsr-3475	8	4	like	like	VERB
fsr-3475	8	5	to	to	PART
fsr-3475	8	6	thank	thank	VERB
fsr-3475	8	7	you	you	PRON
fsr-3475	8	8	,	,	PUNCT
fsr-3475	8	9	our	our	PRON
fsr-3475	8	10	authors	author	NOUN
fsr-3475	8	11	,	,	PUNCT
fsr-3475	8	12	and	and	CCONJ
fsr-3475	8	13	readers	reader	NOUN
fsr-3475	8	14	for	for	ADP
fsr-3475	8	15	your	your	PRON
fsr-3475	8	16	patience	patience	NOUN
fsr-3475	8	17	.	.	PUNCT
fsr-3475	9	1	as	as	ADP
fsr-3475	9	2	interim	interim	ADJ
fsr-3475	9	3	editor	editor	NOUN
fsr-3475	9	4	,	,	PUNCT
fsr-3475	9	5	i	i	PRON
fsr-3475	9	6	hope	hope	VERB
fsr-3475	9	7	to	to	PART
fsr-3475	9	8	build	build	VERB
fsr-3475	9	9	upon	upon	SCONJ
fsr-3475	9	10	the	the	DET
fsr-3475	9	11	great	great	ADJ
fsr-3475	9	12	work	work	NOUN
fsr-3475	9	13	that	that	PRON
fsr-3475	9	14	dr	dr	PROPN
fsr-3475	9	15	.	.	PROPN
fsr-3475	9	16	michelson	michelson	PROPN
fsr-3475	9	17	started	start	VERB
fsr-3475	9	18	,	,	PUNCT
fsr-3475	9	19	which	which	PRON
fsr-3475	9	20	includes	include	VERB
fsr-3475	9	21	broadening	broaden	VERB
fsr-3475	9	22	the	the	DET
fsr-3475	9	23	scope	scope	NOUN
fsr-3475	9	24	of	of	ADP
fsr-3475	9	25	articles	article	NOUN
fsr-3475	9	26	while	while	SCONJ
fsr-3475	9	27	still	still	ADV
fsr-3475	9	28	focusing	focus	VERB
fsr-3475	9	29	on	on	ADP
fsr-3475	9	30	individual	individual	ADJ
fsr-3475	9	31	financial	financial	ADJ
fsr-3475	9	32	management	management	NOUN
fsr-3475	9	33	and	and	CCONJ
fsr-3475	9	34	personal	personal	ADJ
fsr-3475	9	35	financial	financial	ADJ
fsr-3475	9	36	planning	planning	NOUN
fsr-3475	9	37	.	.	PUNCT
fsr-3475	10	1	beyond	beyond	ADP
fsr-3475	10	2	that	that	PRON
fsr-3475	10	3	,	,	PUNCT
fsr-3475	10	4	we	we	PRON
fsr-3475	10	5	are	be	AUX
fsr-3475	10	6	exploring	explore	VERB
fsr-3475	10	7	other	other	ADJ
fsr-3475	10	8	avenues	avenue	NOUN
fsr-3475	10	9	to	to	PART
fsr-3475	10	10	increase	increase	VERB
fsr-3475	10	11	the	the	DET
fsr-3475	10	12	efficiency	efficiency	NOUN
fsr-3475	10	13	and	and	CCONJ
fsr-3475	10	14	timeliness	timeliness	NOUN
fsr-3475	10	15	of	of	ADP
fsr-3475	10	16	the	the	DET
fsr-3475	10	17	journal	journal	NOUN
fsr-3475	10	18	’s	’s	PART
fsr-3475	10	19	publication	publication	NOUN
fsr-3475	10	20	processes	process	NOUN
fsr-3475	10	21	.	.	PUNCT
fsr-3475	11	1	the	the	DET
fsr-3475	11	2	lead	lead	ADJ
fsr-3475	11	3	article	article	NOUN
fsr-3475	11	4	“	"	PUNCT
fsr-3475	11	5	why	why	SCONJ
fsr-3475	11	6	are	be	AUX
fsr-3475	11	7	women	woman	NOUN
fsr-3475	11	8	less	less	ADV
fsr-3475	11	9	motivated	motivated	ADJ
fsr-3475	11	10	to	to	PART
fsr-3475	11	11	become	become	VERB
fsr-3475	11	12	financially	financially	ADV
fsr-3475	11	13	literate	literate	ADJ
fsr-3475	11	14	?	?	PUNCT
fsr-3475	11	15	”	"	PUNCT
fsr-3475	11	16	is	be	AUX
fsr-3475	11	17	co	co	VERB
fsr-3475	11	18	-	-	VERB
fsr-3475	11	19	authored	author	VERB
fsr-3475	11	20	by	by	ADP
fsr-3475	11	21	jaclyn	jaclyn	PROPN
fsr-3475	11	22	j.	j.	PROPN
fsr-3475	11	23	beierleina	beierleina	PROPN
fsr-3475	11	24	at	at	ADP
fsr-3475	11	25	east	east	PROPN
fsr-3475	11	26	carolina	carolina	PROPN
fsr-3475	11	27	university	university	PROPN
fsr-3475	11	28	,	,	PUNCT
fsr-3475	11	29	kaleigh	kaleigh	PROPN
fsr-3475	11	30	launsby	launsby	VERB
fsr-3475	11	31	at	at	ADP
fsr-3475	11	32	bank	bank	PROPN
fsr-3475	11	33	of	of	ADP
fsr-3475	11	34	american	american	PROPN
fsr-3475	11	35	,	,	PUNCT
fsr-3475	11	36	and	and	CCONJ
fsr-3475	11	37	haley	haley	PROPN
fsr-3475	11	38	smith	smith	PROPN
fsr-3475	11	39	at	at	ADP
fsr-3475	11	40	duke	duke	PROPN
fsr-3475	11	41	university	university	PROPN
fsr-3475	11	42	hospital	hospital	NOUN
fsr-3475	11	43	.	.	PUNCT
fsr-3475	12	1	this	this	DET
fsr-3475	12	2	article	article	NOUN
fsr-3475	12	3	examines	examine	VERB
fsr-3475	12	4	the	the	DET
fsr-3475	12	5	motivations	motivation	NOUN
fsr-3475	12	6	of	of	ADP
fsr-3475	12	7	women	woman	NOUN
fsr-3475	12	8	to	to	PART
fsr-3475	12	9	become	become	VERB
fsr-3475	12	10	more	more	ADV
fsr-3475	12	11	financially	financially	ADV
fsr-3475	12	12	literate	literate	ADJ
fsr-3475	12	13	.	.	PUNCT
fsr-3475	13	1	the	the	DET
fsr-3475	13	2	authors	author	NOUN
fsr-3475	13	3	find	find	VERB
fsr-3475	13	4	that	that	SCONJ
fsr-3475	13	5	women	woman	NOUN
fsr-3475	13	6	in	in	ADP
fsr-3475	13	7	their	their	PRON
fsr-3475	13	8	sample	sample	NOUN
fsr-3475	13	9	score	score	NOUN
fsr-3475	13	10	lower	lower	ADV
fsr-3475	13	11	on	on	ADP
fsr-3475	13	12	basic	basic	ADJ
fsr-3475	13	13	finance	finance	NOUN
fsr-3475	13	14	questions	question	NOUN
fsr-3475	13	15	and	and	CCONJ
fsr-3475	13	16	report	report	VERB
fsr-3475	13	17	lower	low	ADJ
fsr-3475	13	18	motivation	motivation	NOUN
fsr-3475	13	19	to	to	PART
fsr-3475	13	20	learn	learn	VERB
fsr-3475	13	21	personal	personal	ADJ
fsr-3475	13	22	finance	finance	NOUN
fsr-3475	13	23	.	.	PUNCT
fsr-3475	14	1	they	they	PRON
fsr-3475	14	2	also	also	ADV
fsr-3475	14	3	find	find	VERB
fsr-3475	14	4	that	that	SCONJ
fsr-3475	14	5	women	woman	NOUN
fsr-3475	14	6	who	who	PRON
fsr-3475	14	7	expect	expect	VERB
fsr-3475	14	8	to	to	PART
fsr-3475	14	9	make	make	VERB
fsr-3475	14	10	decisions	decision	NOUN
fsr-3475	14	11	with	with	ADP
fsr-3475	14	12	a	a	DET
fsr-3475	14	13	spouse	spouse	NOUN
fsr-3475	14	14	report	report	NOUN
fsr-3475	14	15	lower	low	ADJ
fsr-3475	14	16	motivation	motivation	NOUN
fsr-3475	14	17	than	than	ADP
fsr-3475	14	18	women	woman	NOUN
fsr-3475	14	19	who	who	PRON
fsr-3475	14	20	expect	expect	VERB
fsr-3475	14	21	to	to	PART
fsr-3475	14	22	make	make	VERB
fsr-3475	14	23	decisions	decision	NOUN
fsr-3475	14	24	alone	alone	ADV
fsr-3475	14	25	.	.	PUNCT
fsr-3475	15	1	their	their	PRON
fsr-3475	15	2	findings	finding	NOUN
fsr-3475	15	3	show	show	VERB
fsr-3475	15	4	that	that	SCONJ
fsr-3475	15	5	women	woman	NOUN
fsr-3475	15	6	are	be	AUX
fsr-3475	15	7	less	less	ADV
fsr-3475	15	8	motivated	motivated	ADJ
fsr-3475	15	9	to	to	PART
fsr-3475	15	10	become	become	VERB
fsr-3475	15	11	financially	financially	ADV
fsr-3475	15	12	literate	literate	ADJ
fsr-3475	15	13	due	due	ADP
fsr-3475	15	14	to	to	ADP
fsr-3475	15	15	confidence	confidence	NOUN
fsr-3475	15	16	and	and	CCONJ
fsr-3475	15	17	shared	share	VERB
fsr-3475	15	18	financial	financial	ADJ
fsr-3475	15	19	responsibilities	responsibility	NOUN
fsr-3475	15	20	.	.	PUNCT
fsr-3475	16	1	the	the	DET
fsr-3475	16	2	second	second	ADJ
fsr-3475	16	3	article	article	NOUN
fsr-3475	16	4	explores	explore	VERB
fsr-3475	16	5	credit	credit	NOUN
fsr-3475	16	6	and	and	CCONJ
fsr-3475	16	7	financial	financial	ADJ
fsr-3475	16	8	sophistication	sophistication	NOUN
fsr-3475	16	9	.	.	PUNCT
fsr-3475	17	1	“	"	PUNCT
fsr-3475	17	2	financial	financial	ADJ
fsr-3475	17	3	literacy	literacy	NOUN
fsr-3475	17	4	and	and	CCONJ
fsr-3475	17	5	its	its	PRON
fsr-3475	17	6	impact	impact	NOUN
fsr-3475	17	7	on	on	ADP
fsr-3475	17	8	the	the	DET
fsr-3475	17	9	credit	credit	NOUN
fsr-3475	17	10	card	card	NOUN
fsr-3475	17	11	debt	debt	NOUN
fsr-3475	17	12	puzzle	puzzle	NOUN
fsr-3475	17	13	”	"	PUNCT
fsr-3475	17	14	is	be	AUX
fsr-3475	17	15	authored	author	VERB
fsr-3475	17	16	by	by	ADP
fsr-3475	17	17	laura	laura	PROPN
fsr-3475	17	18	ricaldi	ricaldi	PROPN
fsr-3475	17	19	at	at	ADP
fsr-3475	17	20	utah	utah	PROPN
fsr-3475	17	21	valley	valley	PROPN
fsr-3475	17	22	,	,	PUNCT
fsr-3475	17	23	terrance	terrance	PROPN
fsr-3475	17	24	k.	k.	PROPN
fsr-3475	17	25	martin	martin	PROPN
fsr-3475	17	26	also	also	ADV
fsr-3475	17	27	at	at	ADP
fsr-3475	17	28	utah	utah	PROPN
fsr-3475	17	29	valley	valley	PROPN
fsr-3475	17	30	university	university	PROPN
fsr-3475	17	31	,	,	PUNCT
fsr-3475	17	32	and	and	CCONJ
fsr-3475	17	33	sandra	sandra	PROPN
fsr-3475	17	34	huston	huston	PROPN
fsr-3475	17	35	at	at	ADP
fsr-3475	17	36	texas	texas	PROPN
fsr-3475	17	37	tech	tech	PROPN
fsr-3475	17	38	university	university	PROPN
fsr-3475	17	39	.	.	PUNCT
fsr-3475	18	1	using	use	VERB
fsr-3475	18	2	the	the	DET
fsr-3475	18	3	2016	2016	NUM
fsr-3475	18	4	survey	survey	NOUN
fsr-3475	18	5	of	of	ADP
fsr-3475	18	6	consumer	consumer	NOUN
fsr-3475	18	7	finances	finance	NOUN
fsr-3475	18	8	and	and	CCONJ
fsr-3475	18	9	a	a	DET
fsr-3475	18	10	series	series	NOUN
fsr-3475	18	11	of	of	ADP
fsr-3475	18	12	multinomial	multinomial	ADJ
fsr-3475	18	13	regressions	regression	NOUN
fsr-3475	18	14	to	to	PART
fsr-3475	18	15	investigate	investigate	VERB
fsr-3475	18	16	the	the	DET
fsr-3475	18	17	credit	credit	NOUN
fsr-3475	18	18	card	card	NOUN
fsr-3475	18	19	debt	debt	NOUN
fsr-3475	18	20	puzzle	puzzle	NOUN
fsr-3475	18	21	,	,	PUNCT
fsr-3475	18	22	the	the	DET
fsr-3475	18	23	authors	author	NOUN
fsr-3475	18	24	’	’	PART
fsr-3475	18	25	results	result	NOUN
fsr-3475	18	26	suggest	suggest	VERB
fsr-3475	18	27	that	that	SCONJ
fsr-3475	18	28	financially	financially	ADV
fsr-3475	18	29	literate	literate	ADJ
fsr-3475	18	30	households	household	NOUN
fsr-3475	18	31	are	be	AUX
fsr-3475	18	32	less	less	ADV
fsr-3475	18	33	likely	likely	ADJ
fsr-3475	18	34	to	to	PART
fsr-3475	18	35	display	display	VERB
fsr-3475	18	36	irrational	irrational	ADJ
fsr-3475	18	37	behavior	behavior	NOUN
fsr-3475	18	38	.	.	PUNCT
fsr-3475	19	1	the	the	DET
fsr-3475	19	2	authors	author	NOUN
fsr-3475	19	3	break	break	VERB
fsr-3475	19	4	their	their	PRON
fsr-3475	19	5	sample	sample	NOUN
fsr-3475	19	6	into	into	ADP
fsr-3475	19	7	three	three	NUM
fsr-3475	19	8	subgroups	subgroup	NOUN
fsr-3475	19	9	in	in	ADP
fsr-3475	19	10	the	the	DET
fsr-3475	19	11	analysis	analysis	NOUN
fsr-3475	19	12	:	:	PUNCT
fsr-3475	19	13	convenience	convenience	NOUN
fsr-3475	19	14	users	user	NOUN
fsr-3475	19	15	,	,	PUNCT
fsr-3475	19	16	solvent	solvent	NOUN
fsr-3475	19	17	revolvers	revolver	NOUN
fsr-3475	19	18	,	,	PUNCT
fsr-3475	19	19	and	and	CCONJ
fsr-3475	19	20	insolvent	insolvent	ADJ
fsr-3475	19	21	revolvers	revolver	NOUN
fsr-3475	19	22	.	.	PUNCT
fsr-3475	20	1	the	the	DET
fsr-3475	20	2	third	third	ADJ
fsr-3475	20	3	article	article	NOUN
fsr-3475	20	4	,	,	PUNCT
fsr-3475	20	5	“	"	PUNCT
fsr-3475	20	6	your	your	PRON
fsr-3475	20	7	mileage	mileage	NOUN
fsr-3475	20	8	may	may	AUX
fsr-3475	20	9	vary	vary	VERB
fsr-3475	20	10	”	"	PUNCT
fsr-3475	20	11	is	be	AUX
fsr-3475	20	12	co	co	VERB
fsr-3475	20	13	-	-	VERB
fsr-3475	20	14	authored	author	VERB
fsr-3475	20	15	by	by	ADP
fsr-3475	20	16	manoj	manoj	PROPN
fsr-3475	20	17	athavale	athavale	PROPN
fsr-3475	20	18	,	,	PUNCT
fsr-3475	20	19	stephen	stephen	PROPN
fsr-3475	20	20	avila	avila	PROPN
fsr-3475	20	21	,	,	PUNCT
fsr-3475	20	22	and	and	CCONJ
fsr-3475	20	23	joseph	joseph	PROPN
fsr-3475	20	24	goebel	goebel	PROPN
fsr-3475	20	25	at	at	ADP
fsr-3475	20	26	ball	ball	NOUN
fsr-3475	20	27	state	state	PROPN
fsr-3475	20	28	university	university	PROPN
fsr-3475	20	29	.	.	PUNCT
fsr-3475	21	1	the	the	DET
fsr-3475	21	2	paper	paper	NOUN
fsr-3475	21	3	centers	center	NOUN
fsr-3475	21	4	around	around	ADP
fsr-3475	21	5	the	the	DET
fsr-3475	21	6	topic	topic	NOUN
fsr-3475	21	7	of	of	ADP
fsr-3475	21	8	1057	1057	NUM
fsr-3475	21	9	-	-	SYM
fsr-3475	21	10	0810/22/$	0810/22/$	NUM
fsr-3475	21	11	–	–	PUNCT
fsr-3475	21	12	see	see	VERB
fsr-3475	21	13	front	front	ADJ
fsr-3475	21	14	matter	matter	NOUN
fsr-3475	21	15	©	©	PROPN
fsr-3475	21	16	2022	2022	NUM
fsr-3475	21	17	academy	academy	NOUN
fsr-3475	21	18	of	of	ADP
fsr-3475	21	19	financial	financial	ADJ
fsr-3475	21	20	services	service	NOUN
fsr-3475	21	21	.	.	PUNCT
fsr-3475	22	1	all	all	DET
fsr-3475	22	2	rights	right	NOUN
fsr-3475	22	3	reserved	reserve	VERB
fsr-3475	22	4	.	.	PUNCT
fsr-3475	23	1	financial	financial	ADJ
fsr-3475	23	2	services	service	NOUN
fsr-3475	23	3	review	review	VERB
fsr-3475	23	4	30	30	NUM
fsr-3475	23	5	(	(	PUNCT
fsr-3475	23	6	2022	2022	NUM
fsr-3475	23	7	)	)	PUNCT
fsr-3475	23	8	v	v	NOUN
fsr-3475	23	9	–	–	PUNCT
fsr-3475	23	10	vi	vi	NOUN
fsr-3475	23	11	retirement	retirement	NOUN
fsr-3475	23	12	planning	planning	NOUN
fsr-3475	23	13	and	and	CCONJ
fsr-3475	23	14	retirement	retirement	NOUN
fsr-3475	23	15	income	income	NOUN
fsr-3475	23	16	management	management	NOUN
fsr-3475	23	17	.	.	PUNCT
fsr-3475	24	1	the	the	DET
fsr-3475	24	2	authors	author	NOUN
fsr-3475	24	3	specifically	specifically	ADV
fsr-3475	24	4	define	define	VERB
fsr-3475	24	5	portfolio	portfolio	NOUN
fsr-3475	24	6	success	success	NOUN
fsr-3475	24	7	to	to	PART
fsr-3475	24	8	meet	meet	VERB
fsr-3475	24	9	the	the	DET
fsr-3475	24	10	parameters	parameter	NOUN
fsr-3475	24	11	of	of	ADP
fsr-3475	24	12	their	their	PRON
fsr-3475	24	13	articles	article	NOUN
fsr-3475	24	14	.	.	PUNCT
fsr-3475	25	1	their	their	PRON
fsr-3475	25	2	results	result	NOUN
fsr-3475	25	3	show	show	VERB
fsr-3475	25	4	that	that	SCONJ
fsr-3475	25	5	the	the	DET
fsr-3475	25	6	likelihood	likelihood	NOUN
fsr-3475	25	7	of	of	ADP
fsr-3475	25	8	success	success	NOUN
fsr-3475	25	9	is	be	AUX
fsr-3475	25	10	inversely	inversely	ADV
fsr-3475	25	11	related	relate	VERB
fsr-3475	25	12	to	to	ADP
fsr-3475	25	13	withdrawal	withdrawal	NOUN
fsr-3475	25	14	rate	rate	NOUN
fsr-3475	25	15	,	,	PUNCT
fsr-3475	25	16	retirement	retirement	NOUN
fsr-3475	25	17	horizon	horizon	NOUN
fsr-3475	25	18	,	,	PUNCT
fsr-3475	25	19	and	and	CCONJ
fsr-3475	25	20	portfolio	portfolio	NOUN
fsr-3475	25	21	risk	risk	NOUN
fsr-3475	25	22	increase	increase	NOUN
fsr-3475	25	23	and	and	CCONJ
fsr-3475	25	24	directly	directly	ADV
fsr-3475	25	25	related	relate	VERB
fsr-3475	25	26	to	to	ADP
fsr-3475	25	27	portfolio	portfolio	NOUN
fsr-3475	25	28	return	return	NOUN
fsr-3475	25	29	,	,	PUNCT
fsr-3475	25	30	allocation	allocation	NOUN
fsr-3475	25	31	aggressiveness	aggressiveness	NOUN
fsr-3475	25	32	,	,	PUNCT
fsr-3475	25	33	and	and	CCONJ
fsr-3475	25	34	early	early	ADJ
fsr-3475	25	35	experience	experience	NOUN
fsr-3475	25	36	.	.	PUNCT
fsr-3475	26	1	in	in	ADP
fsr-3475	26	2	addition	addition	NOUN
fsr-3475	26	3	,	,	PUNCT
fsr-3475	26	4	they	they	PRON
fsr-3475	26	5	find	find	VERB
fsr-3475	26	6	that	that	SCONJ
fsr-3475	26	7	portfolio	portfolio	NOUN
fsr-3475	26	8	success	success	NOUN
fsr-3475	26	9	is	be	AUX
fsr-3475	26	10	highly	highly	ADV
fsr-3475	26	11	sensitive	sensitive	ADJ
fsr-3475	26	12	to	to	ADP
fsr-3475	26	13	withdrawal	withdrawal	NOUN
fsr-3475	26	14	rates	rate	NOUN
fsr-3475	26	15	,	,	PUNCT
fsr-3475	26	16	highlighting	highlight	VERB
fsr-3475	26	17	that	that	SCONJ
fsr-3475	26	18	aggressive	aggressive	ADJ
fsr-3475	26	19	allocations	allocation	NOUN
fsr-3475	26	20	may	may	AUX
fsr-3475	26	21	provide	provide	VERB
fsr-3475	26	22	more	more	ADV
fsr-3475	26	23	dependable	dependable	ADJ
fsr-3475	26	24	portfolio	portfolio	NOUN
fsr-3475	26	25	outcomes	outcome	NOUN
fsr-3475	26	26	for	for	ADP
fsr-3475	26	27	retirees	retiree	NOUN
fsr-3475	26	28	.	.	PUNCT
fsr-3475	27	1	in	in	ADP
fsr-3475	27	2	the	the	DET
fsr-3475	27	3	final	final	ADJ
fsr-3475	27	4	article	article	NOUN
fsr-3475	27	5	in	in	ADP
fsr-3475	27	6	this	this	DET
fsr-3475	27	7	issue	issue	NOUN
fsr-3475	27	8	jason	jason	PROPN
fsr-3475	27	9	heller	heller	NOUN
fsr-3475	27	10	at	at	ADP
fsr-3475	27	11	coastal	coastal	ADJ
fsr-3475	27	12	wealth	wealth	NOUN
fsr-3475	27	13	,	,	PUNCT
fsr-3475	27	14	benjamin	benjamin	PROPN
fsr-3475	27	15	cummings	cummings	PROPN
fsr-3475	27	16	at	at	ADP
fsr-3475	27	17	utah	utah	PROPN
fsr-3475	27	18	valley	valley	PROPN
fsr-3475	27	19	university	university	PROPN
fsr-3475	27	20	,	,	PUNCT
fsr-3475	27	21	and	and	CCONJ
fsr-3475	27	22	jason	jason	PROPN
fsr-3475	27	23	martin	martin	PROPN
fsr-3475	27	24	at	at	ADP
fsr-3475	27	25	the	the	DET
fsr-3475	27	26	american	american	PROPN
fsr-3475	27	27	college	college	PROPN
fsr-3475	27	28	of	of	ADP
fsr-3475	27	29	financial	financial	ADJ
fsr-3475	27	30	services	service	NOUN
fsr-3475	27	31	coauthor	coauthor	NOUN
fsr-3475	27	32	the	the	DET
fsr-3475	27	33	final	final	ADJ
fsr-3475	27	34	article	article	NOUN
fsr-3475	27	35	.	.	PUNCT
fsr-3475	28	1	in	in	ADP
fsr-3475	28	2	their	their	PRON
fsr-3475	28	3	paper	paper	NOUN
fsr-3475	28	4	“	"	PUNCT
fsr-3475	28	5	distribution	distribution	NOUN
fsr-3475	28	6	channel	channel	NOUN
fsr-3475	28	7	effects	effect	NOUN
fsr-3475	28	8	on	on	ADP
fsr-3475	28	9	advisor	advisor	NOUN
fsr-3475	28	10	managed	manage	VERB
fsr-3475	28	11	investment	investment	NOUN
fsr-3475	28	12	performance	performance	NOUN
fsr-3475	28	13	,	,	PUNCT
fsr-3475	28	14	”	"	PUNCT
fsr-3475	28	15	the	the	DET
fsr-3475	28	16	authors	author	NOUN
fsr-3475	28	17	perform	perform	VERB
fsr-3475	28	18	a	a	DET
fsr-3475	28	19	series	series	NOUN
fsr-3475	28	20	of	of	ADP
fsr-3475	28	21	analyses	analysis	NOUN
fsr-3475	28	22	to	to	PART
fsr-3475	28	23	determine	determine	VERB
fsr-3475	28	24	whether	whether	SCONJ
fsr-3475	28	25	advisors	advisor	NOUN
fsr-3475	28	26	at	at	ADP
fsr-3475	28	27	registered	register	VERB
fsr-3475	28	28	investment	investment	NOUN
fsr-3475	28	29	advisory	advisory	NOUN
fsr-3475	28	30	(	(	PUNCT
fsr-3475	28	31	ria	ria	PROPN
fsr-3475	28	32	)	)	PUNCT
fsr-3475	28	33	firms	firm	NOUN
fsr-3475	28	34	can	can	AUX
fsr-3475	28	35	produce	produce	VERB
fsr-3475	28	36	higher	high	ADJ
fsr-3475	28	37	net	net	ADJ
fsr-3475	28	38	investment	investment	NOUN
fsr-3475	28	39	results	result	NOUN
fsr-3475	28	40	compared	compare	VERB
fsr-3475	28	41	to	to	ADP
fsr-3475	28	42	advisors	advisor	NOUN
fsr-3475	28	43	employed	employ	VERB
fsr-3475	28	44	at	at	ADP
fsr-3475	28	45	dually	dually	ADV
fsr-3475	28	46	registered	register	VERB
fsr-3475	28	47	independent	independent	ADJ
fsr-3475	28	48	broker	broker	NOUN
fsr-3475	28	49	/	/	SYM
fsr-3475	28	50	dealer	dealer	NOUN
fsr-3475	28	51	(	(	PUNCT
fsr-3475	28	52	ibd	ibd	NOUN
fsr-3475	28	53	)	)	PUNCT
fsr-3475	28	54	firms	firm	NOUN
fsr-3475	28	55	.	.	PUNCT
fsr-3475	29	1	the	the	DET
fsr-3475	29	2	authors	author	NOUN
fsr-3475	29	3	use	use	VERB
fsr-3475	29	4	a	a	DET
fsr-3475	29	5	proprietary	proprietary	ADJ
fsr-3475	29	6	dataset	dataset	NOUN
fsr-3475	29	7	from	from	ADP
fsr-3475	29	8	a	a	DET
fsr-3475	29	9	large	large	ADJ
fsr-3475	29	10	united	united	PROPN
fsr-3475	29	11	states	states	PROPN
fsr-3475	29	12	investment	investment	NOUN
fsr-3475	29	13	advisory	advisory	ADJ
fsr-3475	29	14	platform	platform	NOUN
fsr-3475	29	15	.	.	PUNCT
fsr-3475	30	1	using	use	VERB
fsr-3475	30	2	this	this	DET
fsr-3475	30	3	dataset	dataset	NOUN
fsr-3475	30	4	,	,	PUNCT
fsr-3475	30	5	they	they	PRON
fsr-3475	30	6	found	find	VERB
fsr-3475	30	7	that	that	SCONJ
fsr-3475	30	8	advisors	advisor	NOUN
fsr-3475	30	9	at	at	ADP
fsr-3475	30	10	rias	rias	PROPN
fsr-3475	30	11	outperformed	outperform	VERB
fsr-3475	30	12	those	those	PRON
fsr-3475	30	13	at	at	ADP
fsr-3475	30	14	ibds	ibds	NOUN
fsr-3475	30	15	in	in	ADP
fsr-3475	30	16	higher	high	ADJ
fsr-3475	30	17	-	-	PUNCT
fsr-3475	30	18	risk	risk	NOUN
fsr-3475	30	19	portfolios	portfolio	NOUN
fsr-3475	30	20	through	through	ADP
fsr-3475	30	21	turnkey	turnkey	NOUN
fsr-3475	30	22	asset	asset	NOUN
fsr-3475	30	23	management	management	NOUN
fsr-3475	30	24	programs	program	NOUN
fsr-3475	30	25	(	(	PUNCT
fsr-3475	30	26	tamps	tamp	NOUN
fsr-3475	30	27	)	)	PUNCT
fsr-3475	30	28	and	and	CCONJ
fsr-3475	30	29	unified	unified	ADJ
fsr-3475	30	30	managed	manage	VERB
fsr-3475	30	31	accounts	account	NOUN
fsr-3475	30	32	.	.	PUNCT
fsr-3475	31	1	i	i	PRON
fsr-3475	31	2	want	want	VERB
fsr-3475	31	3	to	to	PART
fsr-3475	31	4	thank	thank	VERB
fsr-3475	31	5	everyone	everyone	PRON
fsr-3475	31	6	who	who	PRON
fsr-3475	31	7	makes	make	VERB
fsr-3475	31	8	the	the	DET
fsr-3475	31	9	fsr	fsr	PROPN
fsr-3475	31	10	production	production	NOUN
fsr-3475	31	11	possible	possible	ADJ
fsr-3475	31	12	,	,	PUNCT
fsr-3475	31	13	including	include	VERB
fsr-3475	31	14	our	our	PRON
fsr-3475	31	15	authors	author	NOUN
fsr-3475	31	16	,	,	PUNCT
fsr-3475	31	17	referees	referee	NOUN
fsr-3475	31	18	,	,	PUNCT
fsr-3475	31	19	and	and	CCONJ
fsr-3475	31	20	readers	reader	NOUN
fsr-3475	31	21	.	.	PUNCT
fsr-3475	32	1	dr	dr	PROPN
fsr-3475	32	2	.	.	PROPN
fsr-3475	32	3	michelson	michelson	PROPN
fsr-3475	32	4	often	often	ADV
fsr-3475	32	5	praised	praise	VERB
fsr-3475	32	6	the	the	DET
fsr-3475	32	7	outstanding	outstanding	ADJ
fsr-3475	32	8	work	work	NOUN
fsr-3475	32	9	of	of	ADP
fsr-3475	32	10	our	our	PRON
fsr-3475	32	11	reviewers	reviewer	NOUN
fsr-3475	32	12	,	,	PUNCT
fsr-3475	32	13	and	and	CCONJ
fsr-3475	32	14	i	i	PRON
fsr-3475	32	15	wish	wish	VERB
fsr-3475	32	16	to	to	PART
fsr-3475	32	17	echo	echo	VERB
fsr-3475	32	18	his	his	PRON
fsr-3475	32	19	sentiment	sentiment	NOUN
fsr-3475	32	20	.	.	PUNCT
fsr-3475	33	1	if	if	SCONJ
fsr-3475	33	2	you	you	PRON
fsr-3475	33	3	have	have	VERB
fsr-3475	33	4	a	a	DET
fsr-3475	33	5	manuscript	manuscript	NOUN
fsr-3475	33	6	and	and	CCONJ
fsr-3475	33	7	looking	look	VERB
fsr-3475	33	8	for	for	ADP
fsr-3475	33	9	a	a	DET
fsr-3475	33	10	publication	publication	NOUN
fsr-3475	33	11	outlet	outlet	NOUN
fsr-3475	33	12	,	,	PUNCT
fsr-3475	33	13	please	please	INTJ
fsr-3475	33	14	consider	consider	VERB
fsr-3475	33	15	submitting	submit	VERB
fsr-3475	33	16	it	it	PRON
fsr-3475	33	17	to	to	ADP
fsr-3475	33	18	the	the	DET
fsr-3475	33	19	financial	financial	PROPN
fsr-3475	33	20	services	service	NOUN
fsr-3475	33	21	review	review	NOUN
fsr-3475	33	22	.	.	PUNCT
fsr-3475	34	1	the	the	DET
fsr-3475	34	2	journal	journal	NOUN
fsr-3475	34	3	welcomes	welcome	VERB
fsr-3475	34	4	articles	article	NOUN
fsr-3475	34	5	on	on	ADP
fsr-3475	34	6	the	the	DET
fsr-3475	34	7	areas	area	NOUN
fsr-3475	34	8	of	of	ADP
fsr-3475	34	9	personal	personal	ADJ
fsr-3475	34	10	financial	financial	ADJ
fsr-3475	34	11	planning	planning	NOUN
fsr-3475	34	12	.	.	PUNCT
fsr-3475	35	1	like	like	ADP
fsr-3475	35	2	dr	dr	PROPN
fsr-3475	35	3	.	.	PROPN
fsr-3475	35	4	michelson	michelson	PROPN
fsr-3475	35	5	,	,	PUNCT
fsr-3475	35	6	i	i	PRON
fsr-3475	35	7	am	be	AUX
fsr-3475	35	8	committed	commit	VERB
fsr-3475	35	9	to	to	ADP
fsr-3475	35	10	the	the	DET
fsr-3475	35	11	goal	goal	NOUN
fsr-3475	35	12	of	of	ADP
fsr-3475	35	13	making	make	VERB
fsr-3475	35	14	financial	financial	ADJ
fsr-3475	35	15	services	service	NOUN
fsr-3475	35	16	review	review	VERB
fsr-3475	35	17	the	the	DET
fsr-3475	35	18	best	good	ADJ
fsr-3475	35	19	academic	academic	ADJ
fsr-3475	35	20	journal	journal	NOUN
fsr-3475	35	21	in	in	ADP
fsr-3475	35	22	individual	individual	ADJ
fsr-3475	35	23	financial	financial	ADJ
fsr-3475	35	24	management	management	NOUN
fsr-3475	35	25	and	and	CCONJ
fsr-3475	35	26	personal	personal	ADJ
fsr-3475	35	27	financial	financial	ADJ
fsr-3475	35	28	planning	planning	NOUN
fsr-3475	35	29	.	.	PUNCT
fsr-3475	36	1	yours	yours	PRON
fsr-3475	36	2	sincerely	sincerely	ADV
fsr-3475	36	3	,	,	PUNCT
fsr-3475	36	4	terrance	terrance	PROPN
fsr-3475	36	5	k.	k.	PROPN
fsr-3475	36	6	martin	martin	PROPN
fsr-3475	36	7	jr	jr	PROPN
fsr-3475	36	8	.	.	PROPN
fsr-3475	36	9	interim	interim	PROPN
fsr-3475	36	10	editor	editor	NOUN
fsr-3475	36	11	financial	financial	PROPN
fsr-3475	36	12	services	service	NOUN
fsr-3475	36	13	review	review	VERB
fsr-3475	36	14	vi	vi	PROPN
fsr-3475	36	15	t.k	t.k	PROPN
fsr-3475	36	16	.	.	PROPN
fsr-3475	36	17	martin	martin	PROPN
fsr-3475	36	18	/	/	SYM
fsr-3475	36	19	financial	financial	ADJ
fsr-3475	36	20	services	service	NOUN
fsr-3475	36	21	review	review	VERB
fsr-3475	36	22	30	30	NUM
fsr-3475	36	23	(	(	PUNCT
fsr-3475	36	24	2022	2022	NUM
fsr-3475	36	25	)	)	PUNCT
fsr-3475	36	26	v	v	NOUN
fsr-3475	36	27	–	–	PUNCT
fsr-3475	36	28	vi	vi	NOUN