id	sid	tid	token	lemma	pos
fsr-3730	1	1	pii	pii	PROPN
fsr-3730	1	2	:	:	PUNCT
fsr-3730	1	3	1057	1057	NUM
fsr-3730	1	4	-	-	PUNCT
fsr-3730	1	5	0810(94)90020	0810(94)90020	ADP
fsr-3730	1	6	-	-	PUNCT
fsr-3730	1	7	5	5	NUM
fsr-3730	1	8	financial	financial	ADJ
fsr-3730	1	9	services	service	NOUN
fsr-3730	1	10	review	review	NOUN
fsr-3730	1	11	,	,	PUNCT
fsr-3730	1	12	3(2	3(2	NUM
fsr-3730	1	13	):	):	PUNCT
fsr-3730	1	14	1.57	1.57	NUM
fsr-3730	1	15	-	-	SYM
fsr-3730	1	16	158	158	NUM
fsr-3730	1	17	copyright	copyright	NOUN
fsr-3730	1	18	0	0	NUM
fsr-3730	1	19	1994	1994	NUM
fsr-3730	1	20	by	by	ADP
fsr-3730	1	21	jai	jai	PROPN
fsr-3730	1	22	press	press	PROPN
fsr-3730	1	23	inc	inc	PROPN
fsr-3730	1	24	.	.	PROPN
fsr-3730	1	25	issn	issn	PROPN
fsr-3730	1	26	:	:	PUNCT
fsr-3730	1	27	1057	1057	NUM
fsr-3730	1	28	-	-	SYM
fsr-3730	1	29	0810	0810	NUM
fsr-3730	1	30	all	all	DET
fsr-3730	1	31	rights	right	NOUN
fsr-3730	1	32	of	of	ADP
fsr-3730	1	33	reproduction	reproduction	NOUN
fsr-3730	1	34	in	in	ADP
fsr-3730	1	35	any	any	DET
fsr-3730	1	36	form	form	NOUN
fsr-3730	1	37	reserved	reserve	VERB
fsr-3730	1	38	.	.	PUNCT
fsr-3730	2	1	a	a	DET
fsr-3730	2	2	practitioner	practitioner	NOUN
fsr-3730	2	3	’s	’s	PART
fsr-3730	2	4	perspective	perspective	NOUN
fsr-3730	2	5	:	:	PUNCT
fsr-3730	2	6	comments	comment	NOUN
fsr-3730	2	7	on	on	ADP
fsr-3730	2	8	allocation	allocation	NOUN
fsr-3730	2	9	,	,	PUNCT
fsr-3730	2	10	life	life	NOUN
fsr-3730	2	11	expectancy	expectancy	NOUN
fsr-3730	2	12	and	and	CCONJ
fsr-3730	2	13	shortfall	shortfall	NOUN
fsr-3730	2	14	”	"	PUNCT
fsr-3730	2	15	barbara	barbara	PROPN
fsr-3730	2	16	s.	s.	PROPN
fsr-3730	2	17	poole	poole	PROPN
fsr-3730	2	18	“	"	PUNCT
fsr-3730	2	19	asset	asset	NOUN
fsr-3730	2	20	as	as	SCONJ
fsr-3730	2	21	i	i	PRON
fsr-3730	2	22	reviewed	review	VERB
fsr-3730	2	23	one	one	NUM
fsr-3730	2	24	of	of	ADP
fsr-3730	2	25	the	the	DET
fsr-3730	2	26	articles	article	NOUN
fsr-3730	2	27	in	in	ADP
fsr-3730	2	28	this	this	DET
fsr-3730	2	29	issue	issue	NOUN
fsr-3730	2	30	,	,	PUNCT
fsr-3730	2	31	i	i	PRON
fsr-3730	2	32	thought	think	VERB
fsr-3730	2	33	of	of	ADP
fsr-3730	2	34	a	a	DET
fsr-3730	2	35	client	client	NOUN
fsr-3730	2	36	i	i	PRON
fsr-3730	2	37	met	meet	VERB
fsr-3730	2	38	for	for	ADP
fsr-3730	2	39	the	the	DET
fsr-3730	2	40	fust	fust	NOUN
fsr-3730	2	41	time	time	NOUN
fsr-3730	2	42	on	on	ADP
fsr-3730	2	43	november	november	PROPN
fsr-3730	2	44	1	1	NUM
fsr-3730	2	45	,	,	PUNCT
fsr-3730	2	46	1987	1987	NUM
fsr-3730	2	47	,	,	PUNCT
fsr-3730	2	48	a	a	DET
fsr-3730	2	49	month	month	NOUN
fsr-3730	2	50	before	before	ADP
fsr-3730	2	51	his	his	PRON
fsr-3730	2	52	planned	plan	VERB
fsr-3730	2	53	retirement	retirement	NOUN
fsr-3730	2	54	date	date	NOUN
fsr-3730	2	55	.	.	PUNCT
fsr-3730	3	1	until	until	ADP
fsr-3730	3	2	the	the	DET
fsr-3730	3	3	past	past	ADJ
fsr-3730	3	4	month	month	NOUN
fsr-3730	3	5	,	,	PUNCT
fsr-3730	3	6	which	which	PRON
fsr-3730	3	7	included	include	VERB
fsr-3730	3	8	the	the	DET
fsr-3730	3	9	market	market	NOUN
fsr-3730	3	10	crash	crash	NOUN
fsr-3730	3	11	of	of	ADP
fsr-3730	3	12	october	october	PROPN
fsr-3730	3	13	17	17	NUM
fsr-3730	3	14	,	,	PUNCT
fsr-3730	3	15	this	this	DET
fsr-3730	3	16	dentist	dentist	NOUN
fsr-3730	3	17	had	have	AUX
fsr-3730	3	18	been	be	AUX
fsr-3730	3	19	delighted	delight	VERB
fsr-3730	3	20	with	with	ADP
fsr-3730	3	21	the	the	DET
fsr-3730	3	22	performance	performance	NOUN
fsr-3730	3	23	of	of	ADP
fsr-3730	3	24	his	his	PRON
fsr-3730	3	25	all	all	DET
fsr-3730	3	26	-	-	PUNCT
fsr-3730	3	27	equity	equity	NOUN
fsr-3730	3	28	portfolio	portfolio	NOUN
fsr-3730	3	29	.	.	PUNCT
fsr-3730	4	1	however	however	ADV
fsr-3730	4	2	,	,	PUNCT
fsr-3730	4	3	now	now	ADV
fsr-3730	4	4	it	it	PRON
fsr-3730	4	5	was	be	AUX
fsr-3730	4	6	valued	value	VERB
fsr-3730	4	7	at	at	ADP
fsr-3730	4	8	about	about	ADV
fsr-3730	4	9	half	half	NOUN
fsr-3730	4	10	of	of	ADP
fsr-3730	4	11	what	what	PRON
fsr-3730	4	12	he	he	PRON
fsr-3730	4	13	had	have	AUX
fsr-3730	4	14	expected	expect	VERB
fsr-3730	4	15	,	,	PUNCT
fsr-3730	4	16	and	and	CCONJ
fsr-3730	4	17	in	in	ADP
fsr-3730	4	18	his	his	PRON
fsr-3730	4	19	view	view	NOUN
fsr-3730	4	20	,	,	PUNCT
fsr-3730	4	21	was	be	AUX
fsr-3730	4	22	insufficient	insufficient	ADJ
fsr-3730	4	23	to	to	PART
fsr-3730	4	24	produce	produce	VERB
fsr-3730	4	25	the	the	DET
fsr-3730	4	26	retirement	retirement	NOUN
fsr-3730	4	27	income	income	NOUN
fsr-3730	4	28	he	he	PRON
fsr-3730	4	29	needed	need	VERB
fsr-3730	4	30	.	.	PUNCT
fsr-3730	5	1	over	over	ADP
fsr-3730	5	2	the	the	DET
fsr-3730	5	3	next	next	ADJ
fsr-3730	5	4	few	few	ADJ
fsr-3730	5	5	weeks	week	NOUN
fsr-3730	5	6	,	,	PUNCT
fsr-3730	5	7	he	he	PRON
fsr-3730	5	8	and	and	CCONJ
fsr-3730	5	9	his	his	PRON
fsr-3730	5	10	wife	wife	NOUN
fsr-3730	5	11	met	meet	VERB
fsr-3730	5	12	with	with	ADP
fsr-3730	5	13	me	i	PRON
fsr-3730	5	14	several	several	ADJ
fsr-3730	5	15	times	time	NOUN
fsr-3730	5	16	to	to	PART
fsr-3730	5	17	discuss	discuss	VERB
fsr-3730	5	18	some	some	DET
fsr-3730	5	19	tough	tough	ADJ
fsr-3730	5	20	choices	choice	NOUN
fsr-3730	5	21	about	about	ADP
fsr-3730	5	22	income	income	NOUN
fsr-3730	5	23	and	and	CCONJ
fsr-3730	5	24	expenses	expense	NOUN
fsr-3730	5	25	.	.	PUNCT
fsr-3730	6	1	they	they	PRON
fsr-3730	6	2	concluded	conclude	VERB
fsr-3730	6	3	that	that	SCONJ
fsr-3730	6	4	while	while	SCONJ
fsr-3730	6	5	the	the	DET
fsr-3730	6	6	children	child	NOUN
fsr-3730	6	7	’s	’s	PART
fsr-3730	6	8	educations	education	NOUN
fsr-3730	6	9	would	would	AUX
fsr-3730	6	10	not	not	PART
fsr-3730	6	11	be	be	AUX
fsr-3730	6	12	disrupted	disrupt	VERB
fsr-3730	6	13	,	,	PUNCT
fsr-3730	6	14	for	for	ADP
fsr-3730	6	15	the	the	DET
fsr-3730	6	16	next	next	ADJ
fsr-3730	6	17	two	two	NUM
fsr-3730	6	18	years	year	NOUN
fsr-3730	6	19	he	he	PRON
fsr-3730	6	20	would	would	AUX
fsr-3730	6	21	continue	continue	VERB
fsr-3730	6	22	drilling	drill	VERB
fsr-3730	6	23	and	and	CCONJ
fsr-3730	6	24	filling	filling	NOUN
fsr-3730	6	25	and	and	CCONJ
fsr-3730	6	26	their	their	PRON
fsr-3730	6	27	plans	plan	NOUN
fsr-3730	6	28	to	to	PART
fsr-3730	6	29	buy	buy	VERB
fsr-3730	6	30	a	a	DET
fsr-3730	6	31	retirement	retirement	NOUN
fsr-3730	6	32	home	home	NOUN
fsr-3730	6	33	would	would	AUX
fsr-3730	6	34	be	be	AUX
fsr-3730	6	35	deferred	defer	VERB
fsr-3730	6	36	.	.	PUNCT
fsr-3730	7	1	this	this	DET
fsr-3730	7	2	back	back	ADV
fsr-3730	7	3	up	up	ADP
fsr-3730	7	4	plan	plan	NOUN
fsr-3730	7	5	worked	work	VERB
fsr-3730	7	6	well	well	ADV
fsr-3730	7	7	,	,	PUNCT
fsr-3730	7	8	the	the	DET
fsr-3730	7	9	investments	investment	NOUN
fsr-3730	7	10	recovered	recover	VERB
fsr-3730	7	11	and	and	CCONJ
fsr-3730	7	12	the	the	DET
fsr-3730	7	13	couple	couple	NOUN
fsr-3730	7	14	is	be	AUX
fsr-3730	7	15	now	now	ADV
fsr-3730	7	16	very	very	ADV
fsr-3730	7	17	happily	happily	ADV
fsr-3730	7	18	retired	retire	VERB
fsr-3730	7	19	.	.	PUNCT
fsr-3730	8	1	in	in	ADP
fsr-3730	8	2	this	this	DET
fsr-3730	8	3	issue	issue	NOUN
fsr-3730	8	4	’s	’s	PART
fsr-3730	8	5	“	"	PUNCT
fsr-3730	8	6	asset	asset	NOUN
fsr-3730	8	7	allocation	allocation	NOUN
fsr-3730	8	8	,	,	PUNCT
fsr-3730	8	9	life	life	NOUN
fsr-3730	8	10	expectancy	expectancy	NOUN
fsr-3730	8	11	and	and	CCONJ
fsr-3730	8	12	shortfall	shortfall	NOUN
fsr-3730	8	13	,	,	PUNCT
fsr-3730	8	14	”	"	PUNCT
fsr-3730	8	15	kwok	kwok	PROPN
fsr-3730	8	16	ho	ho	PROPN
fsr-3730	8	17	,	,	PUNCT
fsr-3730	8	18	moshe	moshe	PROPN
fsr-3730	8	19	arye	arye	PROPN
fsr-3730	8	20	milevsky	milevsky	PROPN
fsr-3730	8	21	,	,	PUNCT
fsr-3730	8	22	and	and	CCONJ
fsr-3730	8	23	chris	chris	PROPN
fsr-3730	8	24	robinson	robinson	PROPN
fsr-3730	8	25	(	(	PUNCT
fsr-3730	8	26	hmr	hmr	PROPN
fsr-3730	8	27	)	)	PUNCT
fsr-3730	8	28	construct	construct	VERB
fsr-3730	8	29	a	a	DET
fsr-3730	8	30	model	model	NOUN
fsr-3730	8	31	which	which	PRON
fsr-3730	8	32	supports	support	VERB
fsr-3730	8	33	this	this	DET
fsr-3730	8	34	client	client	NOUN
fsr-3730	8	35	’s	’s	PART
fsr-3730	8	36	100	100	NUM
fsr-3730	8	37	%	%	NOUN
fsr-3730	8	38	equity	equity	NOUN
fsr-3730	8	39	position	position	NOUN
fsr-3730	8	40	,	,	PUNCT
fsr-3730	8	41	based	base	VERB
fsr-3730	8	42	on	on	ADP
fsr-3730	8	43	his	his	PRON
fsr-3730	8	44	wealth	wealth	NOUN
fsr-3730	8	45	to	to	ADP
fsr-3730	8	46	consumption	consumption	NOUN
fsr-3730	8	47	ratio	ratio	NOUN
fsr-3730	8	48	and	and	CCONJ
fsr-3730	8	49	age	age	NOUN
fsr-3730	8	50	.	.	PUNCT
fsr-3730	9	1	and	and	CCONJ
fsr-3730	9	2	ultimately	ultimately	ADV
fsr-3730	9	3	,	,	PUNCT
fsr-3730	9	4	things	thing	NOUN
fsr-3730	9	5	did	do	AUX
fsr-3730	9	6	work	work	VERB
fsr-3730	9	7	out	out	ADP
fsr-3730	9	8	just	just	ADV
fsr-3730	9	9	fine	fine	ADV
fsr-3730	9	10	;	;	PUNCT
fsr-3730	9	11	however	however	ADV
fsr-3730	9	12	,	,	PUNCT
fsr-3730	9	13	this	this	DET
fsr-3730	9	14	particular	particular	ADJ
fsr-3730	9	15	client	client	NOUN
fsr-3730	9	16	was	be	AUX
fsr-3730	9	17	lucky	lucky	ADJ
fsr-3730	9	18	because	because	SCONJ
fsr-3730	9	19	he	he	PRON
fsr-3730	9	20	did	do	AUX
fsr-3730	9	21	have	have	VERB
fsr-3730	9	22	the	the	DET
fsr-3730	9	23	option	option	NOUN
fsr-3730	9	24	to	to	PART
fsr-3730	9	25	continue	continue	VERB
fsr-3730	9	26	working	work	VERB
fsr-3730	9	27	and	and	CCONJ
fsr-3730	9	28	he	he	PRON
fsr-3730	9	29	knew	know	VERB
fsr-3730	9	30	intuitively	intuitively	ADV
fsr-3730	9	31	that	that	SCONJ
fsr-3730	9	32	with	with	ADP
fsr-3730	9	33	time	time	NOUN
fsr-3730	9	34	his	his	PRON
fsr-3730	9	35	investments	investment	NOUN
fsr-3730	9	36	would	would	AUX
fsr-3730	9	37	recuperate	recuperate	VERB
fsr-3730	9	38	.	.	PUNCT
fsr-3730	10	1	but	but	CCONJ
fsr-3730	10	2	the	the	DET
fsr-3730	10	3	lives	life	NOUN
fsr-3730	10	4	of	of	ADP
fsr-3730	10	5	this	this	DET
fsr-3730	10	6	investor	investor	NOUN
fsr-3730	10	7	and	and	CCONJ
fsr-3730	10	8	his	his	PRON
fsr-3730	10	9	family	family	NOUN
fsr-3730	10	10	had	have	AUX
fsr-3730	10	11	been	be	AUX
fsr-3730	10	12	severely	severely	ADV
fsr-3730	10	13	disrupted	disrupt	VERB
fsr-3730	10	14	by	by	ADP
fsr-3730	10	15	his	his	PRON
fsr-3730	10	16	investment	investment	NOUN
fsr-3730	10	17	position	position	NOUN
fsr-3730	10	18	,	,	PUNCT
fsr-3730	10	19	a	a	DET
fsr-3730	10	20	position	position	NOUN
fsr-3730	10	21	to	to	PART
fsr-3730	10	22	which	which	PRON
fsr-3730	10	23	few	few	ADJ
fsr-3730	10	24	responsible	responsible	ADJ
fsr-3730	10	25	planners	planner	NOUN
fsr-3730	10	26	will	will	AUX
fsr-3730	10	27	knowingly	knowingly	ADV
fsr-3730	10	28	expose	expose	VERB
fsr-3730	10	29	a	a	DET
fsr-3730	10	30	client	client	NOUN
fsr-3730	10	31	.	.	PUNCT
fsr-3730	11	1	but	but	CCONJ
fsr-3730	11	2	the	the	DET
fsr-3730	11	3	model	model	NOUN
fsr-3730	11	4	makes	make	VERB
fsr-3730	11	5	some	some	DET
fsr-3730	11	6	very	very	ADV
fsr-3730	11	7	important	important	ADJ
fsr-3730	11	8	points	point	NOUN
fsr-3730	11	9	that	that	PRON
fsr-3730	11	10	should	should	AUX
fsr-3730	11	11	not	not	PART
fsr-3730	11	12	be	be	AUX
fsr-3730	11	13	so	so	ADV
fsr-3730	11	14	quickly	quickly	ADV
fsr-3730	11	15	dismissed	dismiss	VERB
fsr-3730	11	16	.	.	PUNCT
fsr-3730	12	1	hmr	hmr	PROPN
fsr-3730	12	2	’s	’s	PART
fsr-3730	12	3	analytical	analytical	ADJ
fsr-3730	12	4	model	model	NOUN
fsr-3730	12	5	allocates	allocate	VERB
fsr-3730	12	6	a	a	DET
fsr-3730	12	7	retiree	retiree	NOUN
fsr-3730	12	8	’s	’s	PART
fsr-3730	12	9	assets	asset	NOUN
fsr-3730	12	10	between	between	ADP
fsr-3730	12	11	risky	risky	ADJ
fsr-3730	12	12	and	and	CCONJ
fsr-3730	12	13	risk	risk	VERB
fsr-3730	12	14	free	free	ADJ
fsr-3730	12	15	investments	investment	NOUN
fsr-3730	12	16	with	with	ADP
fsr-3730	12	17	the	the	DET
fsr-3730	12	18	goal	goal	NOUN
fsr-3730	12	19	of	of	ADP
fsr-3730	12	20	minimizing	minimize	VERB
fsr-3730	12	21	the	the	DET
fsr-3730	12	22	probability	probability	NOUN
fsr-3730	12	23	of	of	ADP
fsr-3730	12	24	not	not	PART
fsr-3730	12	25	meeting	meet	VERB
fsr-3730	12	26	consumption	consumption	NOUN
fsr-3730	12	27	requirements	requirement	NOUN
fsr-3730	12	28	.	.	PUNCT
fsr-3730	13	1	the	the	DET
fsr-3730	13	2	model	model	NOUN
fsr-3730	13	3	uses	use	VERB
fsr-3730	13	4	age	age	NOUN
fsr-3730	13	5	,	,	PUNCT
fsr-3730	13	6	life	life	NOUN
fsr-3730	13	7	expectancy	expectancy	NOUN
fsr-3730	13	8	,	,	PUNCT
fsr-3730	13	9	and	and	CCONJ
fsr-3730	13	10	consumption	consumption	NOUN
fsr-3730	13	11	level	level	NOUN
fsr-3730	13	12	to	to	PART
fsr-3730	13	13	arrive	arrive	VERB
fsr-3730	13	14	at	at	ADP
fsr-3730	13	15	an	an	DET
fsr-3730	13	16	ideal	ideal	ADJ
fsr-3730	13	17	investment	investment	NOUN
fsr-3730	13	18	mix	mix	NOUN
fsr-3730	13	19	for	for	ADP
fsr-3730	13	20	the	the	DET
fsr-3730	13	21	initial	initial	ADJ
fsr-3730	13	22	wealth	wealth	NOUN
fsr-3730	13	23	.	.	PUNCT
fsr-3730	14	1	to	to	PART
fsr-3730	14	2	see	see	VERB
fsr-3730	14	3	how	how	SCONJ
fsr-3730	14	4	a	a	DET
fsr-3730	14	5	practitioner	practitioner	NOUN
fsr-3730	14	6	could	could	AUX
fsr-3730	14	7	benefit	benefit	VERB
fsr-3730	14	8	from	from	ADP
fsr-3730	14	9	hmr	hmr	PROPN
fsr-3730	14	10	’s	’s	PART
fsr-3730	14	11	work	work	NOUN
fsr-3730	14	12	,	,	PUNCT
fsr-3730	14	13	it	it	PRON
fsr-3730	14	14	may	may	AUX
fsr-3730	14	15	be	be	AUX
fsr-3730	14	16	instructive	instructive	ADJ
fsr-3730	14	17	to	to	PART
fsr-3730	14	18	view	view	VERB
fsr-3730	14	19	it	it	PRON
fsr-3730	14	20	in	in	ADP
fsr-3730	14	21	the	the	DET
fsr-3730	14	22	context	context	NOUN
fsr-3730	14	23	of	of	ADP
fsr-3730	14	24	constructing	construct	VERB
fsr-3730	14	25	a	a	DET
fsr-3730	14	26	financial	financial	ADJ
fsr-3730	14	27	plan	plan	NOUN
fsr-3730	14	28	for	for	ADP
fsr-3730	14	29	an	an	DET
fsr-3730	14	30	individual	individual	NOUN
fsr-3730	14	31	at	at	ADP
fsr-3730	14	32	retirement	retirement	NOUN
fsr-3730	14	33	age	age	NOUN
fsr-3730	14	34	.	.	PUNCT
fsr-3730	15	1	first	first	ADV
fsr-3730	15	2	,	,	PUNCT
fsr-3730	15	3	let	let	VERB
fsr-3730	15	4	’s	’s	NOUN
fsr-3730	15	5	consider	consider	VERB
fsr-3730	15	6	the	the	DET
fsr-3730	15	7	approach	approach	NOUN
fsr-3730	15	8	of	of	ADP
fsr-3730	15	9	a	a	DET
fsr-3730	15	10	typical	typical	ADJ
fsr-3730	15	11	planner	planner	NOUN
fsr-3730	15	12	.	.	PUNCT
fsr-3730	16	1	the	the	DET
fsr-3730	16	2	planner	planner	NOUN
fsr-3730	16	3	and	and	CCONJ
fsr-3730	16	4	client	client	NOUN
fsr-3730	16	5	discuss	discuss	VERB
fsr-3730	16	6	the	the	DET
fsr-3730	16	7	individual	individual	NOUN
fsr-3730	16	8	’s	’s	PART
fsr-3730	16	9	investment	investment	NOUN
fsr-3730	16	10	attitudes	attitude	NOUN
fsr-3730	16	11	and	and	CCONJ
fsr-3730	16	12	experience	experience	NOUN
fsr-3730	16	13	,	,	PUNCT
fsr-3730	16	14	and	and	CCONJ
fsr-3730	16	15	together	together	ADV
fsr-3730	16	16	they	they	PRON
fsr-3730	16	17	define	define	VERB
fsr-3730	16	18	goals	goal	NOUN
fsr-3730	16	19	and	and	CCONJ
fsr-3730	16	20	construct	construct	VERB
fsr-3730	16	21	a	a	DET
fsr-3730	16	22	list	list	NOUN
fsr-3730	16	23	of	of	ADP
fsr-3730	16	24	priorities	priority	NOUN
fsr-3730	16	25	.	.	PUNCT
fsr-3730	17	1	now	now	ADV
fsr-3730	17	2	let	let	VERB
fsr-3730	17	3	’s	’s	NOUN
fsr-3730	17	4	look	look	VERB
fsr-3730	17	5	at	at	ADP
fsr-3730	17	6	the	the	DET
fsr-3730	17	7	approach	approach	NOUN
fsr-3730	17	8	of	of	ADP
fsr-3730	17	9	a	a	DET
fsr-3730	17	10	model	model	NOUN
fsr-3730	17	11	.	.	PUNCT
fsr-3730	18	1	some	some	DET
fsr-3730	18	2	models	model	NOUN
fsr-3730	18	3	use	use	VERB
fsr-3730	18	4	barbara	barbara	PROPN
fsr-3730	18	5	s.	s.	PROPN
fsr-3730	18	6	poole	poole	PROPN
fsr-3730	18	7	l	l	PROPN
fsr-3730	18	8	financial	financial	PROPN
fsr-3730	18	9	services	service	NOUN
fsr-3730	18	10	review	review	NOUN
fsr-3730	18	11	,	,	PUNCT
fsr-3730	18	12	department	department	NOUN
fsr-3730	18	13	of	of	ADP
fsr-3730	18	14	finance	finance	NOUN
fsr-3730	18	15	,	,	PUNCT
fsr-3730	18	16	university	university	PROPN
fsr-3730	18	17	of	of	ADP
fsr-3730	18	18	connecticut	connecticut	PROPN
fsr-3730	18	19	,	,	PUNCT
fsr-3730	18	20	storrs	storrs	PROPN
fsr-3730	18	21	,	,	PUNCT
fsr-3730	18	22	ct	ct	PROPN
fsr-3730	18	23	06269	06269	NUM
fsr-3730	18	24	158	158	NUM
fsr-3730	18	25	financial	financial	ADJ
fsr-3730	18	26	services	service	NOUN
fsr-3730	18	27	review	review	NOUN
fsr-3730	18	28	,	,	PUNCT
fsr-3730	18	29	3(2	3(2	NUM
fsr-3730	18	30	)	)	PUNCT
fsr-3730	18	31	1994	1994	NUM
fsr-3730	18	32	the	the	DET
fsr-3730	18	33	utility	utility	NOUN
fsr-3730	18	34	curve	curve	NOUN
fsr-3730	18	35	to	to	PART
fsr-3730	18	36	describe	describe	VERB
fsr-3730	18	37	the	the	DET
fsr-3730	18	38	set	set	NOUN
fsr-3730	18	39	of	of	ADP
fsr-3730	18	40	risk	risk	NOUN
fsr-3730	18	41	-	-	PUNCT
fsr-3730	18	42	return	return	NOUN
fsr-3730	18	43	trade	trade	NOUN
fsr-3730	18	44	-	-	PUNCT
fsr-3730	18	45	offs	off	NOUN
fsr-3730	18	46	that	that	PRON
fsr-3730	18	47	an	an	DET
fsr-3730	18	48	individual	individual	NOUN
fsr-3730	18	49	is	be	AUX
fsr-3730	18	50	willing	willing	ADJ
fsr-3730	18	51	to	to	PART
fsr-3730	18	52	make	make	VERB
fsr-3730	18	53	,	,	PUNCT
fsr-3730	18	54	and	and	CCONJ
fsr-3730	18	55	seek	seek	VERB
fsr-3730	18	56	to	to	PART
fsr-3730	18	57	determine	determine	VERB
fsr-3730	18	58	the	the	DET
fsr-3730	18	59	mix	mix	NOUN
fsr-3730	18	60	of	of	ADP
fsr-3730	18	61	risk	risk	NOUN
fsr-3730	18	62	and	and	CCONJ
fsr-3730	18	63	return	return	NOUN
fsr-3730	18	64	that	that	PRON
fsr-3730	18	65	provides	provide	VERB
fsr-3730	18	66	the	the	DET
fsr-3730	18	67	most	most	ADJ
fsr-3730	18	68	satisfaction	satisfaction	NOUN
fsr-3730	18	69	,	,	PUNCT
fsr-3730	18	70	or	or	CCONJ
fsr-3730	18	71	utility	utility	NOUN
fsr-3730	18	72	,	,	PUNCT
fsr-3730	18	73	to	to	ADP
fsr-3730	18	74	the	the	DET
fsr-3730	18	75	individual	individual	NOUN
fsr-3730	18	76	.	.	PUNCT
fsr-3730	19	1	instead	instead	ADV
fsr-3730	19	2	of	of	ADP
fsr-3730	19	3	incorporating	incorporate	VERB
fsr-3730	19	4	a	a	DET
fsr-3730	19	5	utility	utility	NOUN
fsr-3730	19	6	function	function	NOUN
fsr-3730	19	7	into	into	ADP
fsr-3730	19	8	their	their	PRON
fsr-3730	19	9	analysis	analysis	NOUN
fsr-3730	19	10	,	,	PUNCT
fsr-3730	19	11	hmr	hmr	NOUN
fsr-3730	19	12	make	make	VERB
fsr-3730	19	13	the	the	DET
fsr-3730	19	14	assumption	assumption	NOUN
fsr-3730	19	15	that	that	SCONJ
fsr-3730	19	16	minimizing	minimize	VERB
fsr-3730	19	17	the	the	DET
fsr-3730	19	18	probability	probability	NOUN
fsr-3730	19	19	of	of	ADP
fsr-3730	19	20	outliving	outlive	VERB
fsr-3730	19	21	their	their	PRON
fsr-3730	19	22	funds	fund	NOUN
fsr-3730	19	23	is	be	AUX
fsr-3730	19	24	the	the	DET
fsr-3730	19	25	solution	solution	NOUN
fsr-3730	19	26	to	to	ADP
fsr-3730	19	27	maximizing	maximize	VERB
fsr-3730	19	28	the	the	DET
fsr-3730	19	29	individual	individual	NOUN
fsr-3730	19	30	’s	’s	PART
fsr-3730	19	31	utility	utility	NOUN
fsr-3730	19	32	function	function	NOUN
fsr-3730	19	33	.	.	PUNCT
fsr-3730	20	1	like	like	ADP
fsr-3730	20	2	the	the	DET
fsr-3730	20	3	client	client	NOUN
fsr-3730	20	4	i	i	PRON
fsr-3730	20	5	described	describe	VERB
fsr-3730	20	6	earlier	early	ADV
fsr-3730	20	7	,	,	PUNCT
fsr-3730	20	8	while	while	SCONJ
fsr-3730	20	9	individual	individual	ADJ
fsr-3730	20	10	’s	’s	PART
fsr-3730	20	11	needs	need	NOUN
fsr-3730	20	12	are	be	AUX
fsr-3730	20	13	usually	usually	ADV
fsr-3730	20	14	more	more	ADV
fsr-3730	20	15	complicated	complicated	ADJ
fsr-3730	20	16	that	that	SCONJ
fsr-3730	20	17	this	this	PRON
fsr-3730	20	18	,	,	PUNCT
fsr-3730	20	19	if	if	SCONJ
fsr-3730	20	20	a	a	DET
fsr-3730	20	21	client	client	NOUN
fsr-3730	20	22	were	be	AUX
fsr-3730	20	23	confined	confine	VERB
fsr-3730	20	24	to	to	ADP
fsr-3730	20	25	expressing	express	VERB
fsr-3730	20	26	only	only	ADV
fsr-3730	20	27	one	one	NUM
fsr-3730	20	28	goal	goal	NOUN
fsr-3730	20	29	,	,	PUNCT
fsr-3730	20	30	this	this	PRON
fsr-3730	20	31	could	could	AUX
fsr-3730	20	32	very	very	ADV
fsr-3730	20	33	well	well	ADV
fsr-3730	20	34	be	be	AUX
fsr-3730	20	35	the	the	DET
fsr-3730	20	36	one	one	NUM
fsr-3730	20	37	.	.	PUNCT
fsr-3730	21	1	retirement	retirement	NOUN
fsr-3730	21	2	non	non	ADJ
fsr-3730	21	3	-	-	ADJ
fsr-3730	21	4	investment	investment	ADJ
fsr-3730	21	5	income	income	NOUN
fsr-3730	21	6	can	can	AUX
fsr-3730	21	7	be	be	AUX
fsr-3730	21	8	projected	project	VERB
fsr-3730	21	9	and	and	CCONJ
fsr-3730	21	10	the	the	DET
fsr-3730	21	11	additional	additional	ADJ
fsr-3730	21	12	investment	investment	NOUN
fsr-3730	21	13	income	income	NOUN
fsr-3730	21	14	necessary	necessary	ADJ
fsr-3730	21	15	to	to	PART
fsr-3730	21	16	fund	fund	VERB
fsr-3730	21	17	consumption	consumption	NOUN
fsr-3730	21	18	is	be	AUX
fsr-3730	21	19	easily	easily	ADV
fsr-3730	21	20	obtained	obtain	VERB
fsr-3730	21	21	.	.	PUNCT
fsr-3730	22	1	generally	generally	ADV
fsr-3730	22	2	,	,	PUNCT
fsr-3730	22	3	the	the	DET
fsr-3730	22	4	planner	planner	NOUN
fsr-3730	22	5	will	will	AUX
fsr-3730	22	6	construct	construct	VERB
fsr-3730	22	7	the	the	DET
fsr-3730	22	8	portfolio	portfolio	NOUN
fsr-3730	22	9	so	so	SCONJ
fsr-3730	22	10	that	that	SCONJ
fsr-3730	22	11	income	income	NOUN
fsr-3730	22	12	producing	produce	VERB
fsr-3730	22	13	securities	security	NOUN
fsr-3730	22	14	generate	generate	VERB
fsr-3730	22	15	sufficient	sufficient	ADJ
fsr-3730	22	16	supplemental	supplemental	ADJ
fsr-3730	22	17	income	income	NOUN
fsr-3730	22	18	to	to	PART
fsr-3730	22	19	cover	cover	VERB
fsr-3730	22	20	expenses	expense	NOUN
fsr-3730	22	21	and	and	CCONJ
fsr-3730	22	22	the	the	DET
fsr-3730	22	23	remainder	remainder	NOUN
fsr-3730	22	24	,	,	PUNCT
fsr-3730	22	25	or	or	CCONJ
fsr-3730	22	26	some	some	DET
fsr-3730	22	27	portion	portion	NOUN
fsr-3730	22	28	of	of	ADP
fsr-3730	22	29	it	it	PRON
fsr-3730	22	30	,	,	PUNCT
fsr-3730	22	31	is	be	AUX
fsr-3730	22	32	allocated	allocate	VERB
fsr-3730	22	33	to	to	ADP
fsr-3730	22	34	growth	growth	NOUN
fsr-3730	22	35	oriented	orient	VERB
fsr-3730	22	36	securities	security	NOUN
fsr-3730	22	37	.	.	PUNCT
fsr-3730	23	1	instead	instead	ADV
fsr-3730	23	2	,	,	PUNCT
fsr-3730	23	3	hmr	hmr	NOUN
fsr-3730	23	4	would	would	AUX
fsr-3730	23	5	apply	apply	VERB
fsr-3730	23	6	their	their	PRON
fsr-3730	23	7	model	model	NOUN
fsr-3730	23	8	to	to	PART
fsr-3730	23	9	obtain	obtain	VERB
fsr-3730	23	10	the	the	DET
fsr-3730	23	11	appropriate	appropriate	ADJ
fsr-3730	23	12	allocation	allocation	NOUN
fsr-3730	23	13	and	and	CCONJ
fsr-3730	23	14	use	use	NOUN
fsr-3730	23	15	income	income	NOUN
fsr-3730	23	16	,	,	PUNCT
fsr-3730	23	17	capital	capital	NOUN
fsr-3730	23	18	gains	gain	NOUN
fsr-3730	23	19	,	,	PUNCT
fsr-3730	23	20	and	and	CCONJ
fsr-3730	23	21	principal	principal	NOUN
fsr-3730	23	22	,	,	PUNCT
fsr-3730	23	23	as	as	ADP
fsr-3730	23	24	necessary	necessary	ADJ
fsr-3730	23	25	,	,	PUNCT
fsr-3730	23	26	to	to	PART
fsr-3730	23	27	finance	finance	VERB
fsr-3730	23	28	consumption	consumption	NOUN
fsr-3730	23	29	.	.	PUNCT
fsr-3730	24	1	most	most	ADJ
fsr-3730	24	2	clients	client	NOUN
fsr-3730	24	3	are	be	AUX
fsr-3730	24	4	reluctant	reluctant	ADJ
fsr-3730	24	5	to	to	PART
fsr-3730	24	6	use	use	VERB
fsr-3730	24	7	principal	principal	NOUN
fsr-3730	24	8	,	,	PUNCT
fsr-3730	24	9	and	and	CCONJ
fsr-3730	24	10	especially	especially	ADV
fsr-3730	24	11	for	for	ADP
fsr-3730	24	12	young	young	ADJ
fsr-3730	24	13	retireds	retired	NOUN
fsr-3730	24	14	(	(	PUNCT
fsr-3730	24	15	younger	young	ADJ
fsr-3730	24	16	than	than	ADP
fsr-3730	24	17	75	75	NUM
fsr-3730	24	18	,	,	PUNCT
fsr-3730	24	19	for	for	ADP
fsr-3730	24	20	instance	instance	NOUN
fsr-3730	24	21	)	)	PUNCT
fsr-3730	24	22	a	a	DET
fsr-3730	24	23	typical	typical	ADJ
fsr-3730	24	24	practitioner	practitioner	NOUN
fsr-3730	24	25	likewise	likewise	ADV
fsr-3730	24	26	will	will	AUX
fsr-3730	24	27	be	be	AUX
fsr-3730	24	28	reluctant	reluctant	ADJ
fsr-3730	24	29	.	.	PUNCT
fsr-3730	25	1	some	some	DET
fsr-3730	25	2	planners	planner	NOUN
fsr-3730	25	3	rely	rely	VERB
fsr-3730	25	4	on	on	ADP
fsr-3730	25	5	matching	match	VERB
fsr-3730	25	6	income	income	NOUN
fsr-3730	25	7	to	to	ADP
fsr-3730	25	8	expenses	expense	NOUN
fsr-3730	25	9	,	,	PUNCT
fsr-3730	25	10	and	and	CCONJ
fsr-3730	25	11	will	will	AUX
fsr-3730	25	12	make	make	VERB
fsr-3730	25	13	adjustments	adjustment	NOUN
fsr-3730	25	14	in	in	ADP
fsr-3730	25	15	investment	investment	NOUN
fsr-3730	25	16	risk	risk	NOUN
fsr-3730	25	17	to	to	PART
fsr-3730	25	18	produce	produce	VERB
fsr-3730	25	19	increased	increase	VERB
fsr-3730	25	20	income	income	NOUN
fsr-3730	25	21	.	.	PUNCT
fsr-3730	26	1	of	of	ADP
fsr-3730	26	2	course	course	NOUN
fsr-3730	26	3	,	,	PUNCT
fsr-3730	26	4	this	this	PRON
fsr-3730	26	5	is	be	AUX
fsr-3730	26	6	the	the	DET
fsr-3730	26	7	way	way	NOUN
fsr-3730	26	8	that	that	PRON
fsr-3730	26	9	so	so	ADV
fsr-3730	26	10	many	many	ADJ
fsr-3730	26	11	widows	widow	NOUN
fsr-3730	26	12	looking	look	VERB
fsr-3730	26	13	for	for	ADP
fsr-3730	26	14	increased	increase	VERB
fsr-3730	26	15	income	income	NOUN
fsr-3730	26	16	migrated	migrate	VERB
fsr-3730	26	17	up	up	ADP
fsr-3730	26	18	in	in	ADP
fsr-3730	26	19	risk	risk	NOUN
fsr-3730	26	20	-	-	PUNCT
fsr-3730	26	21	taking	taking	NOUN
fsr-3730	26	22	from	from	ADP
fsr-3730	26	23	cd	cd	PROPN
fsr-3730	26	24	’s	’s	NOUN
fsr-3730	26	25	to	to	ADP
fsr-3730	26	26	junk	junk	NOUN
fsr-3730	26	27	bonds	bond	NOUN
fsr-3730	26	28	as	as	SCONJ
fsr-3730	26	29	interest	interest	NOUN
fsr-3730	26	30	rates	rate	NOUN
fsr-3730	26	31	dropped	drop	VERB
fsr-3730	26	32	in	in	ADP
fsr-3730	26	33	the	the	DET
fsr-3730	26	34	mid	mid	ADJ
fsr-3730	26	35	1980	1980	NUM
fsr-3730	26	36	’s	’s	NOUN
fsr-3730	26	37	.	.	PUNCT
fsr-3730	27	1	however	however	ADV
fsr-3730	27	2	,	,	PUNCT
fsr-3730	27	3	under	under	ADP
fsr-3730	27	4	some	some	DET
fsr-3730	27	5	circumstances	circumstance	NOUN
fsr-3730	27	6	,	,	PUNCT
fsr-3730	27	7	it	it	PRON
fsr-3730	27	8	is	be	AUX
fsr-3730	27	9	inevitable	inevitable	ADJ
fsr-3730	27	10	,	,	PUNCT
fsr-3730	27	11	even	even	ADV
fsr-3730	27	12	desirable	desirable	ADJ
fsr-3730	27	13	,	,	PUNCT
fsr-3730	27	14	for	for	SCONJ
fsr-3730	27	15	a	a	DET
fsr-3730	27	16	client	client	NOUN
fsr-3730	27	17	to	to	PART
fsr-3730	27	18	tap	tap	VERB
fsr-3730	27	19	principal	principal	NOUN
fsr-3730	27	20	to	to	PART
fsr-3730	27	21	pay	pay	VERB
fsr-3730	27	22	expenses	expense	NOUN
fsr-3730	27	23	.	.	PUNCT
fsr-3730	28	1	many	many	ADJ
fsr-3730	28	2	planners	planner	NOUN
fsr-3730	28	3	fail	fail	VERB
fsr-3730	28	4	to	to	PART
fsr-3730	28	5	recommend	recommend	VERB
fsr-3730	28	6	this	this	PRON
fsr-3730	28	7	responsibly	responsibly	ADV
fsr-3730	28	8	by	by	ADP
fsr-3730	28	9	including	include	VERB
fsr-3730	28	10	in	in	ADP
fsr-3730	28	11	their	their	PRON
fsr-3730	28	12	plans	plan	NOUN
fsr-3730	28	13	back	back	VERB
fsr-3730	28	14	-	-	PUNCT
fsr-3730	28	15	up	up	ADP
fsr-3730	28	16	strategies	strategy	NOUN
fsr-3730	28	17	such	such	ADJ
fsr-3730	28	18	as	as	ADP
fsr-3730	28	19	reverse	reverse	ADJ
fsr-3730	28	20	mortgages	mortgage	NOUN
fsr-3730	28	21	,	,	PUNCT
fsr-3730	28	22	supplemental	supplemental	ADJ
fsr-3730	28	23	income	income	NOUN
fsr-3730	28	24	programs	program	NOUN
fsr-3730	28	25	,	,	PUNCT
fsr-3730	28	26	and	and	CCONJ
fsr-3730	28	27	expense	expense	NOUN
fsr-3730	28	28	subsidies	subsidy	NOUN
fsr-3730	28	29	.	.	PUNCT
fsr-3730	29	1	a	a	DET
fsr-3730	29	2	comprehensive	comprehensive	ADJ
fsr-3730	29	3	plan	plan	NOUN
fsr-3730	29	4	will	will	AUX
fsr-3730	29	5	include	include	VERB
fsr-3730	29	6	projections	projection	NOUN
fsr-3730	29	7	of	of	ADP
fsr-3730	29	8	the	the	DET
fsr-3730	29	9	social	social	ADJ
fsr-3730	29	10	programs	program	NOUN
fsr-3730	29	11	that	that	PRON
fsr-3730	29	12	would	would	AUX
fsr-3730	29	13	be	be	AUX
fsr-3730	29	14	available	available	ADJ
fsr-3730	29	15	should	should	AUX
fsr-3730	29	16	funds	fund	NOUN
fsr-3730	29	17	be	be	AUX
fsr-3730	29	18	depleted	deplete	VERB
fsr-3730	29	19	;	;	PUNCT
fsr-3730	29	20	this	this	DET
fsr-3730	29	21	planning	planning	NOUN
fsr-3730	29	22	increases	increase	VERB
fsr-3730	29	23	the	the	DET
fsr-3730	29	24	likelihood	likelihood	NOUN
fsr-3730	29	25	that	that	PRON
fsr-3730	29	26	should	should	AUX
fsr-3730	29	27	the	the	DET
fsr-3730	29	28	situation	situation	NOUN
fsr-3730	29	29	arise	arise	VERB
fsr-3730	29	30	,	,	PUNCT
fsr-3730	29	31	the	the	DET
fsr-3730	29	32	client	client	NOUN
fsr-3730	29	33	will	will	AUX
fsr-3730	29	34	be	be	AUX
fsr-3730	29	35	eligible	eligible	ADJ
fsr-3730	29	36	for	for	ADP
fsr-3730	29	37	benefits	benefit	NOUN
fsr-3730	29	38	when	when	SCONJ
fsr-3730	29	39	needed	need	VERB
fsr-3730	29	40	.	.	PUNCT
fsr-3730	30	1	as	as	SCONJ
fsr-3730	30	2	we	we	PRON
fsr-3730	30	3	observe	observe	VERB
fsr-3730	30	4	the	the	DET
fsr-3730	30	5	results	result	NOUN
fsr-3730	30	6	of	of	ADP
fsr-3730	30	7	hmr	hmr	PROPN
fsr-3730	30	8	’s	’s	PART
fsr-3730	30	9	model	model	NOUN
fsr-3730	30	10	,	,	PUNCT
fsr-3730	30	11	the	the	DET
fsr-3730	30	12	most	most	ADV
fsr-3730	30	13	striking	striking	ADJ
fsr-3730	30	14	implication	implication	NOUN
fsr-3730	30	15	is	be	AUX
fsr-3730	30	16	the	the	DET
fsr-3730	30	17	importance	importance	NOUN
fsr-3730	30	18	that	that	SCONJ
fsr-3730	30	19	equity	equity	NOUN
fsr-3730	30	20	plays	play	VERB
fsr-3730	30	21	in	in	ADP
fsr-3730	30	22	the	the	DET
fsr-3730	30	23	portfolio	portfolio	NOUN
fsr-3730	30	24	,	,	PUNCT
fsr-3730	30	25	even	even	ADV
fsr-3730	30	26	in	in	ADP
fsr-3730	30	27	the	the	DET
fsr-3730	30	28	later	later	ADJ
fsr-3730	30	29	years	year	NOUN
fsr-3730	30	30	.	.	PUNCT
fsr-3730	31	1	the	the	DET
fsr-3730	31	2	authors	author	NOUN
fsr-3730	31	3	anticipated	anticipate	VERB
fsr-3730	31	4	that	that	SCONJ
fsr-3730	31	5	this	this	PRON
fsr-3730	31	6	would	would	AUX
fsr-3730	31	7	be	be	AUX
fsr-3730	31	8	surprising	surprising	ADJ
fsr-3730	31	9	to	to	ADP
fsr-3730	31	10	those	those	PRON
fsr-3730	31	11	of	of	ADP
fsr-3730	31	12	us	we	PRON
fsr-3730	31	13	who	who	PRON
fsr-3730	31	14	generally	generally	ADV
fsr-3730	31	15	expect	expect	VERB
fsr-3730	31	16	large	large	ADJ
fsr-3730	31	17	equity	equity	NOUN
fsr-3730	31	18	holdings	holding	NOUN
fsr-3730	31	19	to	to	PART
fsr-3730	31	20	pose	pose	VERB
fsr-3730	31	21	excessive	excessive	ADJ
fsr-3730	31	22	risk	risk	NOUN
fsr-3730	31	23	to	to	ADP
fsr-3730	31	24	most	most	ADJ
fsr-3730	31	25	aging	age	VERB
fsr-3730	31	26	retirees	retiree	NOUN
fsr-3730	31	27	.	.	PUNCT
fsr-3730	32	1	however	however	ADV
fsr-3730	32	2	,	,	PUNCT
fsr-3730	32	3	the	the	DET
fsr-3730	32	4	result	result	NOUN
fsr-3730	32	5	is	be	AUX
fsr-3730	32	6	not	not	PART
fsr-3730	32	7	as	as	ADV
fsr-3730	32	8	surprising	surprising	ADJ
fsr-3730	32	9	when	when	SCONJ
fsr-3730	32	10	the	the	DET
fsr-3730	32	11	construction	construction	NOUN
fsr-3730	32	12	of	of	ADP
fsr-3730	32	13	the	the	DET
fsr-3730	32	14	model	model	NOUN
fsr-3730	32	15	is	be	AUX
fsr-3730	32	16	examined	examine	VERB
fsr-3730	32	17	.	.	PUNCT
fsr-3730	33	1	it	it	PRON
fsr-3730	33	2	is	be	AUX
fsr-3730	33	3	the	the	DET
fsr-3730	33	4	authors	author	NOUN
fsr-3730	33	5	’	’	PART
fsr-3730	33	6	use	use	NOUN
fsr-3730	33	7	of	of	ADP
fsr-3730	33	8	the	the	DET
fsr-3730	33	9	volatility	volatility	NOUN
fsr-3730	33	10	of	of	ADP
fsr-3730	33	11	the	the	DET
fsr-3730	33	12	real	real	ADJ
fsr-3730	33	13	return	return	NOUN
fsr-3730	33	14	after	after	ADP
fsr-3730	33	15	inflation	inflation	NOUN
fsr-3730	33	16	for	for	ADP
fsr-3730	33	17	both	both	CCONJ
fsr-3730	33	18	the	the	DET
fsr-3730	33	19	treasury	treasury	PROPN
fsr-3730	33	20	bills	bill	NOUN
fsr-3730	33	21	and	and	CCONJ
fsr-3730	33	22	the	the	DET
fsr-3730	33	23	equity	equity	NOUN
fsr-3730	33	24	in	in	ADP
fsr-3730	33	25	the	the	DET
fsr-3730	33	26	portfolio	portfolio	NOUN
fsr-3730	33	27	that	that	PRON
fsr-3730	33	28	drives	drive	VERB
fsr-3730	33	29	their	their	PRON
fsr-3730	33	30	results	result	NOUN
fsr-3730	33	31	.	.	PUNCT
fsr-3730	34	1	they	they	PRON
fsr-3730	34	2	remind	remind	VERB
fsr-3730	34	3	us	we	PRON
fsr-3730	34	4	that	that	SCONJ
fsr-3730	34	5	the	the	DET
fsr-3730	34	6	risk	risk	NOUN
fsr-3730	34	7	-	-	PUNCT
fsr-3730	34	8	free	free	ADJ
fsr-3730	34	9	asset	asset	NOUN
fsr-3730	34	10	is	be	AUX
fsr-3730	34	11	only	only	ADV
fsr-3730	34	12	default	default	NOUN
fsr-3730	34	13	risk	risk	NOUN
fsr-3730	34	14	free	free	ADJ
fsr-3730	34	15	,	,	PUNCT
fsr-3730	34	16	not	not	PART
fsr-3730	34	17	entirely	entirely	ADV
fsr-3730	34	18	risk	risk	VERB
fsr-3730	34	19	free	free	ADJ
fsr-3730	34	20	.	.	PUNCT
fsr-3730	35	1	but	but	CCONJ
fsr-3730	35	2	the	the	DET
fsr-3730	35	3	emphasis	emphasis	NOUN
fsr-3730	35	4	on	on	ADP
fsr-3730	35	5	equity	equity	NOUN
fsr-3730	35	6	can	can	AUX
fsr-3730	35	7	be	be	AUX
fsr-3730	35	8	supported	support	VERB
fsr-3730	35	9	intuitively	intuitively	ADV
fsr-3730	35	10	when	when	SCONJ
fsr-3730	35	11	we	we	PRON
fsr-3730	35	12	consider	consider	VERB
fsr-3730	35	13	a	a	DET
fsr-3730	35	14	few	few	ADJ
fsr-3730	35	15	societal	societal	ADJ
fsr-3730	35	16	changes	change	NOUN
fsr-3730	35	17	over	over	ADP
fsr-3730	35	18	the	the	DET
fsr-3730	35	19	years	year	NOUN
fsr-3730	35	20	.	.	PUNCT
fsr-3730	36	1	retirement	retirement	NOUN
fsr-3730	36	2	is	be	AUX
fsr-3730	36	3	occurring	occur	VERB
fsr-3730	36	4	earlier	early	ADV
fsr-3730	36	5	today	today	NOUN
fsr-3730	36	6	,	,	PUNCT
fsr-3730	36	7	partly	partly	ADV
fsr-3730	36	8	due	due	ADJ
fsr-3730	36	9	to	to	ADP
fsr-3730	36	10	corporate	corporate	ADJ
fsr-3730	36	11	tightening	tightening	NOUN
fsr-3730	36	12	that	that	PRON
fsr-3730	36	13	encourages	encourage	VERB
fsr-3730	36	14	early	early	ADJ
fsr-3730	36	15	retirement	retirement	NOUN
fsr-3730	36	16	and	and	CCONJ
fsr-3730	36	17	reduces	reduce	VERB
fsr-3730	36	18	job	job	NOUN
fsr-3730	36	19	availability	availability	NOUN
fsr-3730	36	20	.	.	PUNCT
fsr-3730	37	1	when	when	SCONJ
fsr-3730	37	2	they	they	PRON
fsr-3730	37	3	do	do	AUX
fsr-3730	37	4	retire	retire	VERB
fsr-3730	37	5	,	,	PUNCT
fsr-3730	37	6	most	most	ADJ
fsr-3730	37	7	individuals	individual	NOUN
fsr-3730	37	8	are	be	AUX
fsr-3730	37	9	healthy	healthy	ADJ
fsr-3730	37	10	and	and	CCONJ
fsr-3730	37	11	look	look	VERB
fsr-3730	37	12	forward	forward	ADV
fsr-3730	37	13	to	to	ADP
fsr-3730	37	14	an	an	DET
fsr-3730	37	15	extended	extended	ADJ
fsr-3730	37	16	retirement	retirement	NOUN
fsr-3730	37	17	period	period	NOUN
fsr-3730	37	18	;	;	PUNCT
fsr-3730	37	19	in	in	ADP
fsr-3730	37	20	fact	fact	NOUN
fsr-3730	37	21	,	,	PUNCT
fsr-3730	37	22	the	the	DET
fsr-3730	37	23	fastest	fast	ADJ
fsr-3730	37	24	growing	grow	VERB
fsr-3730	37	25	segment	segment	NOUN
fsr-3730	37	26	of	of	ADP
fsr-3730	37	27	our	our	PRON
fsr-3730	37	28	population	population	NOUN
fsr-3730	37	29	is	be	AUX
fsr-3730	37	30	the	the	DET
fsr-3730	37	31	85	85	NUM
fsr-3730	37	32	+	+	NUM
fsr-3730	37	33	age	age	NOUN
fsr-3730	37	34	group	group	NOUN
fsr-3730	37	35	.	.	PUNCT
fsr-3730	38	1	so	so	ADV
fsr-3730	38	2	it	it	PRON
fsr-3730	38	3	is	be	AUX
fsr-3730	38	4	no	no	DET
fsr-3730	38	5	surprise	surprise	NOUN
fsr-3730	38	6	that	that	SCONJ
fsr-3730	38	7	retirees	retiree	NOUN
fsr-3730	38	8	,	,	PUNCT
fsr-3730	38	9	especially	especially	ADV
fsr-3730	38	10	women	woman	NOUN
fsr-3730	38	11	,	,	PUNCT
fsr-3730	38	12	need	need	VERB
fsr-3730	38	13	to	to	PART
fsr-3730	38	14	pay	pay	VERB
fsr-3730	38	15	more	more	ADJ
fsr-3730	38	16	attention	attention	NOUN
fsr-3730	38	17	to	to	ADP
fsr-3730	38	18	growth	growth	NOUN
fsr-3730	38	19	oriented	orient	VERB
fsr-3730	38	20	investing	investing	NOUN
fsr-3730	38	21	than	than	SCONJ
fsr-3730	38	22	they	they	PRON
fsr-3730	38	23	ever	ever	ADV
fsr-3730	38	24	have	have	VERB
fsr-3730	38	25	before	before	ADV
fsr-3730	38	26	.	.	PUNCT
fsr-3730	39	1	their	their	PRON
fsr-3730	39	2	reminder	reminder	NOUN
fsr-3730	39	3	to	to	PART
fsr-3730	39	4	consider	consider	VERB
fsr-3730	39	5	equity	equity	NOUN
fsr-3730	39	6	in	in	ADP
fsr-3730	39	7	older	old	ADJ
fsr-3730	39	8	individual	individual	NOUN
fsr-3730	39	9	’s	’s	PART
fsr-3730	39	10	portfolios	portfolio	NOUN
fsr-3730	39	11	may	may	AUX
fsr-3730	39	12	be	be	AUX
fsr-3730	39	13	hmr	hmr	PROPN
fsr-3730	39	14	’s	’s	PART
fsr-3730	39	15	most	most	ADV
fsr-3730	39	16	significant	significant	ADJ
fsr-3730	39	17	contribution	contribution	NOUN
fsr-3730	39	18	to	to	ADP
fsr-3730	39	19	the	the	DET
fsr-3730	39	20	practitioner	practitioner	NOUN
fsr-3730	39	21	.	.	PUNCT