id	sid	tid	token	lemma	pos
fsr-4123	1	1	financial	financial	PROPN
fsr-4123	1	2	services	service	NOUN
fsr-4123	1	3	review	review	NOUN
fsr-4123	1	4	,	,	PUNCT
fsr-4123	1	5	32(4	32(4	NUM
fsr-4123	1	6	)	)	PUNCT
fsr-4123	2	1	i	i	PRON
fsr-4123	2	2	volume	volume	VERB
fsr-4123	2	3	32	32	NUM
fsr-4123	2	4	issue	issue	NOUN
fsr-4123	2	5	4	4	NUM
fsr-4123	2	6	from	from	ADP
fsr-4123	2	7	the	the	DET
fsr-4123	2	8	editor	editor	NOUN
fsr-4123	2	9	the	the	DET
fsr-4123	2	10	first	first	ADJ
fsr-4123	2	11	paper	paper	NOUN
fsr-4123	2	12	in	in	ADP
fsr-4123	2	13	this	this	DET
fsr-4123	2	14	issue	issue	NOUN
fsr-4123	2	15	of	of	ADP
fsr-4123	2	16	financial	financial	ADJ
fsr-4123	2	17	services	service	NOUN
fsr-4123	2	18	review	review	NOUN
fsr-4123	2	19	begins	begin	VERB
fsr-4123	2	20	with	with	ADP
fsr-4123	2	21	an	an	DET
fsr-4123	2	22	invited	invite	VERB
fsr-4123	2	23	manuscript	manuscript	NOUN
fsr-4123	2	24	that	that	PRON
fsr-4123	2	25	discusses	discuss	VERB
fsr-4123	2	26	the	the	DET
fsr-4123	2	27	multiple	multiple	ADJ
fsr-4123	2	28	ways	way	NOUN
fsr-4123	2	29	artificial	artificial	ADJ
fsr-4123	2	30	intelligence	intelligence	NOUN
fsr-4123	2	31	(	(	PUNCT
fsr-4123	2	32	ai	ai	PROPN
fsr-4123	2	33	)	)	PUNCT
fsr-4123	2	34	is	be	AUX
fsr-4123	2	35	impacting	impact	VERB
fsr-4123	2	36	the	the	DET
fsr-4123	2	37	financial	financial	ADJ
fsr-4123	2	38	planning	planning	NOUN
fsr-4123	2	39	profession	profession	NOUN
fsr-4123	2	40	.	.	PUNCT
fsr-4123	3	1	written	write	VERB
fsr-4123	3	2	by	by	ADP
fsr-4123	3	3	drs	drs	PROPN
fsr-4123	3	4	.	.	PUNCT
fsr-4123	3	5	manuela	manuela	PROPN
fsr-4123	3	6	faulhaber	faulhaber	PROPN
fsr-4123	3	7	and	and	CCONJ
fsr-4123	3	8	charles	charles	PROPN
fsr-4123	3	9	chaffin	chaffin	PROPN
fsr-4123	3	10	,	,	PUNCT
fsr-4123	3	11	artificial	artificial	ADJ
fsr-4123	3	12	intelligence	intelligence	NOUN
fsr-4123	3	13	in	in	ADP
fsr-4123	3	14	accounting	accounting	NOUN
fsr-4123	3	15	,	,	PUNCT
fsr-4123	3	16	medicine	medicine	NOUN
fsr-4123	3	17	,	,	PUNCT
fsr-4123	3	18	and	and	CCONJ
fsr-4123	3	19	law	law	NOUN
fsr-4123	3	20	with	with	ADP
fsr-4123	3	21	potential	potential	ADJ
fsr-4123	3	22	implications	implication	NOUN
fsr-4123	3	23	for	for	ADP
fsr-4123	3	24	financial	financial	ADJ
fsr-4123	3	25	planning	planning	NOUN
fsr-4123	3	26	shows	show	VERB
fsr-4123	3	27	that	that	SCONJ
fsr-4123	3	28	financial	financial	ADJ
fsr-4123	3	29	planners	planner	NOUN
fsr-4123	3	30	and	and	CCONJ
fsr-4123	3	31	financial	financial	ADJ
fsr-4123	3	32	planning	planning	NOUN
fsr-4123	3	33	regulators	regulator	NOUN
fsr-4123	3	34	have	have	VERB
fsr-4123	3	35	much	much	ADJ
fsr-4123	3	36	to	to	PART
fsr-4123	3	37	learn	learn	VERB
fsr-4123	3	38	from	from	ADP
fsr-4123	3	39	the	the	DET
fsr-4123	3	40	profession	profession	NOUN
fsr-4123	3	41	's	's	PART
fsr-4123	3	42	affiliated	affiliate	VERB
fsr-4123	3	43	fields	field	NOUN
fsr-4123	3	44	.	.	PUNCT
fsr-4123	4	1	one	one	NUM
fsr-4123	4	2	reason	reason	NOUN
fsr-4123	4	3	that	that	PRON
fsr-4123	4	4	i	i	PRON
fsr-4123	4	5	asked	ask	VERB
fsr-4123	4	6	drs	dr	NOUN
fsr-4123	4	7	.	.	PROPN
fsr-4123	4	8	faulhaber	faulhaber	PROPN
fsr-4123	4	9	and	and	CCONJ
fsr-4123	4	10	chaffin	chaffin	PROPN
fsr-4123	4	11	for	for	ADP
fsr-4123	4	12	their	their	PRON
fsr-4123	4	13	paper	paper	NOUN
fsr-4123	4	14	is	be	AUX
fsr-4123	4	15	that	that	SCONJ
fsr-4123	4	16	i	i	PRON
fsr-4123	4	17	see	see	VERB
fsr-4123	4	18	parallels	parallel	NOUN
fsr-4123	4	19	between	between	ADP
fsr-4123	4	20	the	the	DET
fsr-4123	4	21	profession	profession	NOUN
fsr-4123	4	22	of	of	ADP
fsr-4123	4	23	financial	financial	ADJ
fsr-4123	4	24	planning	planning	NOUN
fsr-4123	4	25	and	and	CCONJ
fsr-4123	4	26	the	the	DET
fsr-4123	4	27	world	world	NOUN
fsr-4123	4	28	of	of	ADP
fsr-4123	4	29	academic	academic	ADJ
fsr-4123	4	30	publishing	publishing	NOUN
fsr-4123	4	31	.	.	PUNCT
fsr-4123	5	1	consider	consider	VERB
fsr-4123	5	2	how	how	SCONJ
fsr-4123	5	3	chatgpt	chatgpt	NOUN
fsr-4123	5	4	considers	consider	VERB
fsr-4123	5	5	the	the	DET
fsr-4123	5	6	role	role	NOUN
fsr-4123	5	7	of	of	ADP
fsr-4123	5	8	ai	ai	VERB
fsr-4123	5	9	in	in	ADP
fsr-4123	5	10	academic	academic	ADJ
fsr-4123	5	11	publishing	publishing	NOUN
fsr-4123	5	12	(	(	PUNCT
fsr-4123	5	13	prompt	prompt	PROPN
fsr-4123	5	14	asked	ask	VERB
fsr-4123	5	15	september	september	PROPN
fsr-4123	5	16	27	27	NUM
fsr-4123	5	17	,	,	PUNCT
fsr-4123	5	18	2024	2024	NUM
fsr-4123	5	19	):	):	PUNCT
fsr-4123	5	20	ai	ai	AUX
fsr-4123	5	21	is	be	AUX
fsr-4123	5	22	transforming	transform	VERB
fsr-4123	5	23	academic	academic	ADJ
fsr-4123	5	24	publishing	publishing	NOUN
fsr-4123	5	25	by	by	ADP
fsr-4123	5	26	streamlining	streamline	VERB
fsr-4123	5	27	various	various	ADJ
fsr-4123	5	28	stages	stage	NOUN
fsr-4123	5	29	of	of	ADP
fsr-4123	5	30	the	the	DET
fsr-4123	5	31	research	research	NOUN
fsr-4123	5	32	and	and	CCONJ
fsr-4123	5	33	publication	publication	NOUN
fsr-4123	5	34	process	process	NOUN
fsr-4123	5	35	.	.	PUNCT
fsr-4123	6	1	ai	ai	VERB
fsr-4123	6	2	-	-	PUNCT
fsr-4123	6	3	powered	power	VERB
fsr-4123	6	4	tools	tool	NOUN
fsr-4123	6	5	help	help	VERB
fsr-4123	6	6	researchers	researcher	NOUN
fsr-4123	6	7	with	with	ADP
fsr-4123	6	8	literature	literature	NOUN
fsr-4123	6	9	reviews	review	NOUN
fsr-4123	6	10	,	,	PUNCT
fsr-4123	6	11	data	datum	NOUN
fsr-4123	6	12	analysis	analysis	NOUN
fsr-4123	6	13	,	,	PUNCT
fsr-4123	6	14	and	and	CCONJ
fsr-4123	6	15	manuscript	manuscript	NOUN
fsr-4123	6	16	drafting	drafting	NOUN
fsr-4123	6	17	,	,	PUNCT
fsr-4123	6	18	significantly	significantly	ADV
fsr-4123	6	19	reducing	reduce	VERB
fsr-4123	6	20	the	the	DET
fsr-4123	6	21	time	time	NOUN
fsr-4123	6	22	and	and	CCONJ
fsr-4123	6	23	effort	effort	NOUN
fsr-4123	6	24	required	require	VERB
fsr-4123	6	25	to	to	PART
fsr-4123	6	26	produce	produce	VERB
fsr-4123	6	27	high	high	ADJ
fsr-4123	6	28	-	-	PUNCT
fsr-4123	6	29	quality	quality	NOUN
fsr-4123	6	30	papers	paper	NOUN
fsr-4123	6	31	.	.	PUNCT
fsr-4123	7	1	in	in	ADP
fsr-4123	7	2	publishing	publishing	NOUN
fsr-4123	7	3	,	,	PUNCT
fsr-4123	7	4	ai	ai	VERB
fsr-4123	7	5	is	be	AUX
fsr-4123	7	6	used	use	VERB
fsr-4123	7	7	for	for	ADP
fsr-4123	7	8	automated	automate	VERB
fsr-4123	7	9	peer	peer	NOUN
fsr-4123	7	10	review	review	NOUN
fsr-4123	7	11	,	,	PUNCT
fsr-4123	7	12	plagiarism	plagiarism	NOUN
fsr-4123	7	13	detection	detection	NOUN
fsr-4123	7	14	,	,	PUNCT
fsr-4123	7	15	and	and	CCONJ
fsr-4123	7	16	manuscript	manuscript	NOUN
fsr-4123	7	17	evaluation	evaluation	NOUN
fsr-4123	7	18	,	,	PUNCT
fsr-4123	7	19	improving	improve	VERB
fsr-4123	7	20	the	the	DET
fsr-4123	7	21	review	review	NOUN
fsr-4123	7	22	process	process	NOUN
fsr-4123	7	23	's	's	PART
fsr-4123	7	24	speed	speed	NOUN
fsr-4123	7	25	and	and	CCONJ
fsr-4123	7	26	accuracy	accuracy	NOUN
fsr-4123	7	27	.	.	PUNCT
fsr-4123	8	1	moreover	moreover	ADV
fsr-4123	8	2	,	,	PUNCT
fsr-4123	8	3	ai	ai	VERB
fsr-4123	8	4	enables	enable	VERB
fsr-4123	8	5	better	well	ADJ
fsr-4123	8	6	discoverability	discoverability	NOUN
fsr-4123	8	7	of	of	ADP
fsr-4123	8	8	papers	paper	NOUN
fsr-4123	8	9	by	by	ADP
fsr-4123	8	10	generating	generate	VERB
fsr-4123	8	11	precise	precise	ADJ
fsr-4123	8	12	recommendations	recommendation	NOUN
fsr-4123	8	13	for	for	ADP
fsr-4123	8	14	readers	reader	NOUN
fsr-4123	8	15	based	base	VERB
fsr-4123	8	16	on	on	ADP
fsr-4123	8	17	their	their	PRON
fsr-4123	8	18	interests	interest	NOUN
fsr-4123	8	19	.	.	PUNCT
fsr-4123	9	1	while	while	SCONJ
fsr-4123	9	2	generally	generally	ADV
fsr-4123	9	3	positive	positive	ADJ
fsr-4123	9	4	,	,	PUNCT
fsr-4123	9	5	ai	ai	AUX
fsr-4123	9	6	's	's	PART
fsr-4123	9	7	use	use	NOUN
fsr-4123	9	8	prompts	prompt	NOUN
fsr-4123	9	9	ethical	ethical	ADJ
fsr-4123	9	10	use	use	NOUN
fsr-4123	9	11	concerns	concern	NOUN
fsr-4123	9	12	and	and	CCONJ
fsr-4123	9	13	worries	worry	NOUN
fsr-4123	9	14	about	about	ADP
fsr-4123	9	15	bias	bias	NOUN
fsr-4123	9	16	,	,	PUNCT
fsr-4123	9	17	integrity	integrity	NOUN
fsr-4123	9	18	,	,	PUNCT
fsr-4123	9	19	and	and	CCONJ
fsr-4123	9	20	fairness	fairness	NOUN
fsr-4123	9	21	.	.	PUNCT
fsr-4123	10	1	the	the	DET
fsr-4123	10	2	faulhaber	faulhaber	PROPN
fsr-4123	10	3	and	and	CCONJ
fsr-4123	10	4	chaffin	chaffin	PROPN
fsr-4123	10	5	paper	paper	PROPN
fsr-4123	10	6	provides	provide	VERB
fsr-4123	10	7	a	a	DET
fsr-4123	10	8	foundation	foundation	NOUN
fsr-4123	10	9	on	on	ADP
fsr-4123	10	10	which	which	PRON
fsr-4123	10	11	academy	academy	NOUN
fsr-4123	10	12	of	of	ADP
fsr-4123	10	13	financial	financial	ADJ
fsr-4123	10	14	services	service	NOUN
fsr-4123	10	15	members	member	NOUN
fsr-4123	10	16	can	can	AUX
fsr-4123	10	17	begin	begin	VERB
fsr-4123	10	18	to	to	PART
fsr-4123	10	19	consider	consider	VERB
fsr-4123	10	20	how	how	SCONJ
fsr-4123	10	21	to	to	PART
fsr-4123	10	22	utilize	utilize	VERB
fsr-4123	10	23	ai	ai	VERB
fsr-4123	10	24	in	in	ADP
fsr-4123	10	25	the	the	DET
fsr-4123	10	26	future	future	NOUN
fsr-4123	10	27	.	.	PUNCT
fsr-4123	11	1	the	the	DET
fsr-4123	11	2	second	second	ADJ
fsr-4123	11	3	paper	paper	NOUN
fsr-4123	11	4	in	in	ADP
fsr-4123	11	5	this	this	DET
fsr-4123	11	6	issue	issue	NOUN
fsr-4123	11	7	(	(	PUNCT
fsr-4123	11	8	should	should	AUX
fsr-4123	11	9	investors	investor	NOUN
fsr-4123	11	10	defer	defer	VERB
fsr-4123	11	11	long	long	ADJ
fsr-4123	11	12	-	-	PUNCT
fsr-4123	11	13	term	term	NOUN
fsr-4123	11	14	gains	gain	NOUN
fsr-4123	11	15	in	in	ADP
fsr-4123	11	16	taxable	taxable	ADJ
fsr-4123	11	17	portfolios	portfolio	NOUN
fsr-4123	11	18	?	?	PUNCT
fsr-4123	11	19	)	)	PUNCT
fsr-4123	11	20	was	be	AUX
fsr-4123	11	21	authored	author	VERB
fsr-4123	11	22	by	by	ADP
fsr-4123	11	23	dr	dr	PROPN
fsr-4123	11	24	.	.	PROPN
fsr-4123	11	25	jeff	jeff	PROPN
fsr-4123	11	26	whitworth	whitworth	PROPN
fsr-4123	11	27	.	.	PUNCT
fsr-4123	12	1	dr	dr	PROPN
fsr-4123	12	2	.	.	PROPN
fsr-4123	12	3	whitworth	whitworth	PROPN
fsr-4123	12	4	points	point	VERB
fsr-4123	12	5	out	out	ADP
fsr-4123	12	6	that	that	SCONJ
fsr-4123	12	7	investors	investor	NOUN
fsr-4123	12	8	sometimes	sometimes	ADV
fsr-4123	12	9	postpone	postpone	VERB
fsr-4123	12	10	the	the	DET
fsr-4123	12	11	sale	sale	NOUN
fsr-4123	12	12	of	of	ADP
fsr-4123	12	13	appreciated	appreciated	ADJ
fsr-4123	12	14	stock	stock	NOUN
fsr-4123	12	15	to	to	PART
fsr-4123	12	16	defer	defer	VERB
fsr-4123	12	17	capital	capital	NOUN
fsr-4123	12	18	gains	gain	NOUN
fsr-4123	12	19	taxes	taxis	NOUN
fsr-4123	12	20	.	.	PUNCT
fsr-4123	13	1	he	he	PRON
fsr-4123	13	2	then	then	ADV
fsr-4123	13	3	shows	show	VERB
fsr-4123	13	4	that	that	SCONJ
fsr-4123	13	5	while	while	SCONJ
fsr-4123	13	6	useful	useful	ADJ
fsr-4123	13	7	in	in	ADP
fsr-4123	13	8	reducing	reduce	VERB
fsr-4123	13	9	taxes	taxis	NOUN
fsr-4123	13	10	,	,	PUNCT
fsr-4123	13	11	this	this	DET
fsr-4123	13	12	strategy	strategy	NOUN
fsr-4123	13	13	can	can	AUX
fsr-4123	13	14	cause	cause	VERB
fsr-4123	13	15	a	a	DET
fsr-4123	13	16	portfolio	portfolio	NOUN
fsr-4123	13	17	to	to	PART
fsr-4123	13	18	become	become	VERB
fsr-4123	13	19	overly	overly	ADV
fsr-4123	13	20	concentrated	concentrate	VERB
fsr-4123	13	21	,	,	PUNCT
fsr-4123	13	22	which	which	PRON
fsr-4123	13	23	can	can	AUX
fsr-4123	13	24	increase	increase	VERB
fsr-4123	13	25	volatility	volatility	NOUN
fsr-4123	13	26	while	while	SCONJ
fsr-4123	13	27	reducing	reduce	VERB
fsr-4123	13	28	long	long	ADJ
fsr-4123	13	29	-	-	PUNCT
fsr-4123	13	30	term	term	NOUN
fsr-4123	13	31	returns	return	NOUN
fsr-4123	13	32	.	.	PUNCT
fsr-4123	14	1	this	this	DET
fsr-4123	14	2	paper	paper	NOUN
fsr-4123	14	3	adds	add	VERB
fsr-4123	14	4	to	to	ADP
fsr-4123	14	5	the	the	DET
fsr-4123	14	6	literature	literature	NOUN
fsr-4123	14	7	by	by	ADP
fsr-4123	14	8	examining	examine	VERB
fsr-4123	14	9	the	the	DET
fsr-4123	14	10	tradeoff	tradeoff	NOUN
fsr-4123	14	11	between	between	ADP
fsr-4123	14	12	tax	tax	NOUN
fsr-4123	14	13	efficiency	efficiency	NOUN
fsr-4123	14	14	and	and	CCONJ
fsr-4123	14	15	diversification	diversification	NOUN
fsr-4123	14	16	.	.	PUNCT
fsr-4123	15	1	in	in	ADP
fsr-4123	15	2	the	the	DET
fsr-4123	15	3	end	end	NOUN
fsr-4123	15	4	,	,	PUNCT
fsr-4123	15	5	via	via	ADP
fsr-4123	15	6	monte	monte	PROPN
fsr-4123	15	7	carlo	carlo	PROPN
fsr-4123	15	8	simulations	simulation	NOUN
fsr-4123	15	9	,	,	PUNCT
fsr-4123	15	10	dr	dr	PROPN
fsr-4123	15	11	.	.	PROPN
fsr-4123	15	12	whitworth	whitworth	PROPN
fsr-4123	15	13	documents	document	NOUN
fsr-4123	15	14	that	that	SCONJ
fsr-4123	15	15	diversification	diversification	NOUN
fsr-4123	15	16	is	be	AUX
fsr-4123	15	17	more	more	ADV
fsr-4123	15	18	important	important	ADJ
fsr-4123	15	19	for	for	ADP
fsr-4123	15	20	increasing	increase	VERB
fsr-4123	15	21	terminal	terminal	ADJ
fsr-4123	15	22	wealth	wealth	NOUN
fsr-4123	15	23	.	.	PUNCT
fsr-4123	16	1	dr	dr	PROPN
fsr-4123	16	2	.	.	PROPN
fsr-4123	16	3	whitworth	whitworth	PROPN
fsr-4123	16	4	goes	go	VERB
fsr-4123	16	5	on	on	ADP
fsr-4123	16	6	to	to	PART
fsr-4123	16	7	suggest	suggest	VERB
fsr-4123	16	8	that	that	SCONJ
fsr-4123	16	9	investors	investor	NOUN
fsr-4123	16	10	are	be	AUX
fsr-4123	16	11	generally	generally	ADV
fsr-4123	16	12	better	well	ADJ
fsr-4123	16	13	off	off	ADP
fsr-4123	16	14	rebalancing	rebalancing	NOUN
fsr-4123	16	15	almost	almost	ADV
fsr-4123	16	16	completely	completely	ADV
fsr-4123	16	17	each	each	DET
fsr-4123	16	18	year	year	NOUN
fsr-4123	16	19	,	,	PUNCT
fsr-4123	16	20	even	even	ADV
fsr-4123	16	21	though	though	SCONJ
fsr-4123	16	22	this	this	PRON
fsr-4123	16	23	may	may	AUX
fsr-4123	16	24	require	require	VERB
fsr-4123	16	25	selling	sell	VERB
fsr-4123	16	26	winners	winner	NOUN
fsr-4123	16	27	and	and	CCONJ
fsr-4123	16	28	paying	pay	VERB
fsr-4123	16	29	capital	capital	NOUN
fsr-4123	16	30	gains	gain	NOUN
fsr-4123	16	31	taxes	taxis	NOUN
fsr-4123	16	32	.	.	PUNCT
fsr-4123	17	1	the	the	DET
fsr-4123	17	2	next	next	ADJ
fsr-4123	17	3	paper	paper	NOUN
fsr-4123	17	4	in	in	ADP
fsr-4123	17	5	this	this	DET
fsr-4123	17	6	issue	issue	NOUN
fsr-4123	17	7	of	of	ADP
fsr-4123	17	8	fsr	fsr	PROPN
fsr-4123	17	9	(	(	PUNCT
fsr-4123	17	10	racial	racial	ADJ
fsr-4123	17	11	/	/	SYM
fsr-4123	17	12	ethnic	ethnic	ADJ
fsr-4123	17	13	disparities	disparity	NOUN
fsr-4123	17	14	in	in	ADP
fsr-4123	17	15	financial	financial	ADJ
fsr-4123	17	16	advice	advice	NOUN
fsr-4123	17	17	seeking	seeking	NOUN
fsr-4123	17	18	:	:	PUNCT
fsr-4123	17	19	a	a	DET
fsr-4123	17	20	decomposition	decomposition	NOUN
fsr-4123	17	21	analysis	analysis	NOUN
fsr-4123	17	22	)	)	PUNCT
fsr-4123	17	23	was	be	AUX
fsr-4123	17	24	co	co	VERB
fsr-4123	17	25	-	-	VERB
fsr-4123	17	26	authored	author	VERB
fsr-4123	17	27	by	by	ADP
fsr-4123	17	28	di	di	NOUN
fsr-4123	17	29	qing	qing	PROPN
fsr-4123	17	30	and	and	CCONJ
fsr-4123	17	31	miranda	miranda	PROPN
fsr-4123	17	32	reiter	reiter	PROPN
fsr-4123	17	33	.	.	PUNCT
fsr-4123	18	1	their	their	PRON
fsr-4123	18	2	work	work	NOUN
fsr-4123	18	3	adds	add	VERB
fsr-4123	18	4	to	to	ADP
fsr-4123	18	5	the	the	DET
fsr-4123	18	6	growing	grow	VERB
fsr-4123	18	7	body	body	NOUN
fsr-4123	18	8	of	of	ADP
fsr-4123	18	9	articles	article	NOUN
fsr-4123	18	10	published	publish	VERB
fsr-4123	18	11	in	in	ADP
fsr-4123	18	12	fsr	fsr	PROPN
fsr-4123	18	13	and	and	CCONJ
fsr-4123	18	14	other	other	ADJ
fsr-4123	18	15	journals	journal	NOUN
fsr-4123	18	16	which	which	PRON
fsr-4123	18	17	show	show	VERB
fsr-4123	18	18	that	that	SCONJ
fsr-4123	18	19	seeking	seek	VERB
fsr-4123	18	20	financial	financial	ADJ
fsr-4123	18	21	advice	advice	NOUN
fsr-4123	18	22	and	and	CCONJ
fsr-4123	18	23	working	work	VERB
fsr-4123	18	24	with	with	ADP
fsr-4123	18	25	a	a	DET
fsr-4123	18	26	financial	financial	ADJ
fsr-4123	18	27	planner	planner	NOUN
fsr-4123	18	28	differs	differ	VERB
fsr-4123	18	29	by	by	ADP
fsr-4123	18	30	race	race	NOUN
fsr-4123	18	31	and	and	CCONJ
fsr-4123	18	32	ethnicity	ethnicity	NOUN
fsr-4123	18	33	.	.	PUNCT
fsr-4123	19	1	drs	drs	PROPN
fsr-4123	19	2	.	.	PUNCT
fsr-4123	20	1	qing	qing	PROPN
fsr-4123	20	2	and	and	CCONJ
fsr-4123	20	3	reiter	reiter	PROPN
fsr-4123	20	4	document	document	NOUN
fsr-4123	20	5	that	that	PRON
fsr-4123	20	6	black	black	ADJ
fsr-4123	20	7	and	and	CCONJ
fsr-4123	20	8	white	white	ADJ
fsr-4123	20	9	consumers	consumer	NOUN
fsr-4123	20	10	are	be	AUX
fsr-4123	20	11	more	more	ADV
fsr-4123	20	12	likely	likely	ADJ
fsr-4123	20	13	than	than	ADP
fsr-4123	20	14	asian	asian	ADJ
fsr-4123	20	15	and	and	CCONJ
fsr-4123	20	16	hispanic	hispanic	ADJ
fsr-4123	20	17	consumers	consumer	NOUN
fsr-4123	20	18	to	to	PART
fsr-4123	20	19	use	use	VERB
fsr-4123	20	20	financial	financial	ADJ
fsr-4123	20	21	planners	planner	NOUN
fsr-4123	20	22	for	for	ADP
fsr-4123	20	23	saving	saving	NOUN
fsr-4123	20	24	and	and	CCONJ
fsr-4123	20	25	investment	investment	NOUN
fsr-4123	20	26	decisions	decision	NOUN
fsr-4123	20	27	,	,	PUNCT
fsr-4123	20	28	with	with	ADP
fsr-4123	20	29	significant	significant	ADJ
fsr-4123	20	30	differences	difference	NOUN
fsr-4123	20	31	existing	exist	VERB
fsr-4123	20	32	between	between	ADP
fsr-4123	20	33	white	white	ADJ
fsr-4123	20	34	and	and	CCONJ
fsr-4123	20	35	hispanic	hispanic	ADJ
fsr-4123	20	36	consumers	consumer	NOUN
fsr-4123	20	37	and	and	CCONJ
fsr-4123	20	38	narrower	narrow	ADJ
fsr-4123	20	39	differences	difference	NOUN
fsr-4123	20	40	between	between	ADP
fsr-4123	20	41	black	black	ADJ
fsr-4123	20	42	and	and	CCONJ
fsr-4123	20	43	hispanic	hispanic	ADJ
fsr-4123	20	44	consumers	consumer	NOUN
fsr-4123	20	45	.	.	PUNCT
fsr-4123	21	1	their	their	PRON
fsr-4123	21	2	work	work	NOUN
fsr-4123	21	3	is	be	AUX
fsr-4123	21	4	important	important	ADJ
fsr-4123	21	5	in	in	ADP
fsr-4123	21	6	showing	show	VERB
fsr-4123	21	7	that	that	PRON
fsr-4123	21	8	risk	risk	NOUN
fsr-4123	21	9	tolerance	tolerance	NOUN
fsr-4123	21	10	,	,	PUNCT
fsr-4123	21	11	financial	financial	ADJ
fsr-4123	21	12	knowledge	knowledge	NOUN
fsr-4123	21	13	,	,	PUNCT
fsr-4123	21	14	and	and	CCONJ
fsr-4123	21	15	income	income	NOUN
fsr-4123	21	16	are	be	AUX
fsr-4123	21	17	important	important	ADJ
fsr-4123	21	18	determinants	determinant	NOUN
fsr-4123	21	19	that	that	PRON
fsr-4123	21	20	help	help	VERB
fsr-4123	21	21	explain	explain	VERB
fsr-4123	21	22	racial	racial	ADJ
fsr-4123	21	23	/	/	SYM
fsr-4123	21	24	ethnic	ethnic	ADJ
fsr-4123	21	25	differences	difference	NOUN
fsr-4123	21	26	in	in	ADP
fsr-4123	21	27	financial	financial	ADJ
fsr-4123	21	28	planner	planner	NOUN
fsr-4123	21	29	use	use	NOUN
fsr-4123	21	30	.	.	PUNCT
fsr-4123	22	1	i	i	PRON
fsr-4123	22	2	hope	hope	VERB
fsr-4123	22	3	that	that	SCONJ
fsr-4123	22	4	the	the	DET
fsr-4123	22	5	leaders	leader	NOUN
fsr-4123	22	6	of	of	ADP
fsr-4123	22	7	certification	certification	NOUN
fsr-4123	22	8	boards	board	NOUN
fsr-4123	22	9	,	,	PUNCT
fsr-4123	22	10	policymakers	policymaker	NOUN
fsr-4123	22	11	,	,	PUNCT
fsr-4123	22	12	and	and	CCONJ
fsr-4123	22	13	regulators	regulator	NOUN
fsr-4123	22	14	take	take	VERB
fsr-4123	22	15	to	to	ADP
fsr-4123	22	16	heart	heart	NOUN
fsr-4123	22	17	what	what	PRON
fsr-4123	22	18	drs	dr	VERB
fsr-4123	22	19	.	.	PUNCT
fsr-4123	23	1	qing	qing	NOUN
fsr-4123	23	2	and	and	CCONJ
fsr-4123	23	3	reiter	reiter	PROPN
fsr-4123	23	4	discuss	discuss	NOUN
fsr-4123	23	5	in	in	ADP
fsr-4123	23	6	this	this	DET
fsr-4123	23	7	paper	paper	NOUN
fsr-4123	23	8	.	.	PUNCT
fsr-4123	24	1	financial	financial	ADJ
fsr-4123	24	2	services	services	PROPN
fsr-4123	24	3	review	review	PROPN
fsr-4123	24	4	,	,	PUNCT
fsr-4123	24	5	32(4	32(4	NUM
fsr-4123	24	6	)	)	PUNCT
fsr-4123	24	7	ii	ii	NOUN
fsr-4123	24	8	in	in	ADP
fsr-4123	24	9	the	the	DET
fsr-4123	24	10	fourth	fourth	ADJ
fsr-4123	24	11	paper	paper	NOUN
fsr-4123	24	12	,	,	PUNCT
fsr-4123	24	13	drs	drs	PROPN
fsr-4123	24	14	.	.	PUNCT
fsr-4123	25	1	jia	jia	PROPN
fsr-4123	25	2	qi	qi	PROPN
fsr-4123	25	3	,	,	PUNCT
fsr-4123	25	4	yu	yu	PROPN
fsr-4123	25	5	zhang	zhang	PROPN
fsr-4123	25	6	,	,	PUNCT
fsr-4123	25	7	and	and	CCONJ
fsr-4123	25	8	sheri	sheri	NOUN
fsr-4123	25	9	worthy	worthy	ADJ
fsr-4123	25	10	(	(	PUNCT
fsr-4123	25	11	determinants	determinant	NOUN
fsr-4123	25	12	of	of	ADP
fsr-4123	25	13	health	health	NOUN
fsr-4123	25	14	and	and	CCONJ
fsr-4123	25	15	desirable	desirable	ADJ
fsr-4123	25	16	financial	financial	ADJ
fsr-4123	25	17	behaviors	behavior	NOUN
fsr-4123	25	18	:	:	PUNCT
fsr-4123	25	19	the	the	DET
fsr-4123	25	20	meditation	meditation	NOUN
fsr-4123	25	21	effect	effect	NOUN
fsr-4123	25	22	of	of	ADP
fsr-4123	25	23	financial	financial	ADJ
fsr-4123	25	24	knowledge	knowledge	NOUN
fsr-4123	25	25	)	)	PUNCT
fsr-4123	25	26	provide	provide	VERB
fsr-4123	25	27	evidence	evidence	NOUN
fsr-4123	25	28	that	that	SCONJ
fsr-4123	25	29	the	the	DET
fsr-4123	25	30	social	social	ADJ
fsr-4123	25	31	determinants	determinant	NOUN
fsr-4123	25	32	of	of	ADP
fsr-4123	25	33	health	health	NOUN
fsr-4123	25	34	(	(	PUNCT
fsr-4123	25	35	sdh	sdh	PROPN
fsr-4123	25	36	)	)	PUNCT
fsr-4123	25	37	(	(	PUNCT
fsr-4123	25	38	e.g.	e.g.	ADV
fsr-4123	25	39	,	,	PUNCT
fsr-4123	25	40	a	a	DET
fsr-4123	25	41	person	person	NOUN
fsr-4123	25	42	's	's	PART
fsr-4123	25	43	environment	environment	NOUN
fsr-4123	25	44	,	,	PUNCT
fsr-4123	25	45	including	include	VERB
fsr-4123	25	46	economic	economic	ADJ
fsr-4123	25	47	stability	stability	NOUN
fsr-4123	25	48	,	,	PUNCT
fsr-4123	25	49	educational	educational	ADJ
fsr-4123	25	50	access	access	NOUN
fsr-4123	25	51	and	and	CCONJ
fsr-4123	25	52	quality	quality	NOUN
fsr-4123	25	53	,	,	PUNCT
fsr-4123	25	54	health	health	NOUN
fsr-4123	25	55	care	care	NOUN
fsr-4123	25	56	access	access	NOUN
fsr-4123	25	57	and	and	CCONJ
fsr-4123	25	58	quality	quality	NOUN
fsr-4123	25	59	,	,	PUNCT
fsr-4123	25	60	neighborhood	neighborhood	NOUN
fsr-4123	25	61	and	and	CCONJ
fsr-4123	25	62	built	build	VERB
fsr-4123	25	63	environment	environment	NOUN
fsr-4123	25	64	,	,	PUNCT
fsr-4123	25	65	and	and	CCONJ
fsr-4123	25	66	social	social	ADJ
fsr-4123	25	67	and	and	CCONJ
fsr-4123	25	68	community	community	NOUN
fsr-4123	25	69	context	context	NOUN
fsr-4123	25	70	)	)	PUNCT
fsr-4123	25	71	are	be	AUX
fsr-4123	25	72	related	relate	VERB
fsr-4123	25	73	to	to	ADP
fsr-4123	25	74	desirable	desirable	ADJ
fsr-4123	25	75	financial	financial	ADJ
fsr-4123	25	76	behaviors	behavior	NOUN
fsr-4123	25	77	.	.	PUNCT
fsr-4123	26	1	in	in	ADP
fsr-4123	26	2	their	their	PRON
fsr-4123	26	3	models	model	NOUN
fsr-4123	26	4	,	,	PUNCT
fsr-4123	26	5	they	they	PRON
fsr-4123	26	6	used	use	VERB
fsr-4123	26	7	financial	financial	ADJ
fsr-4123	26	8	knowledge	knowledge	NOUN
fsr-4123	26	9	as	as	ADP
fsr-4123	26	10	a	a	DET
fsr-4123	26	11	mediation	mediation	NOUN
fsr-4123	26	12	variable	variable	NOUN
fsr-4123	26	13	.	.	PUNCT
fsr-4123	27	1	this	this	DET
fsr-4123	27	2	research	research	NOUN
fsr-4123	27	3	team	team	NOUN
fsr-4123	27	4	is	be	AUX
fsr-4123	27	5	among	among	ADP
fsr-4123	27	6	the	the	DET
fsr-4123	27	7	first	first	ADJ
fsr-4123	27	8	to	to	PART
fsr-4123	27	9	show	show	VERB
fsr-4123	27	10	that	that	SCONJ
fsr-4123	27	11	financial	financial	ADJ
fsr-4123	27	12	knowledge	knowledge	NOUN
fsr-4123	27	13	plays	play	VERB
fsr-4123	27	14	a	a	DET
fsr-4123	27	15	significant	significant	ADJ
fsr-4123	27	16	role	role	NOUN
fsr-4123	27	17	in	in	ADP
fsr-4123	27	18	mediating	mediate	VERB
fsr-4123	27	19	the	the	DET
fsr-4123	27	20	relationship	relationship	NOUN
fsr-4123	27	21	between	between	ADP
fsr-4123	27	22	sdh	sdh	PROPN
fsr-4123	27	23	and	and	CCONJ
fsr-4123	27	24	desirable	desirable	ADJ
fsr-4123	27	25	financial	financial	ADJ
fsr-4123	27	26	behaviors	behavior	NOUN
fsr-4123	27	27	.	.	PUNCT
fsr-4123	28	1	for	for	ADP
fsr-4123	28	2	those	those	PRON
fsr-4123	28	3	who	who	PRON
fsr-4123	28	4	are	be	AUX
fsr-4123	28	5	not	not	PART
fsr-4123	28	6	familiar	familiar	ADJ
fsr-4123	28	7	with	with	ADP
fsr-4123	28	8	the	the	DET
fsr-4123	28	9	concept	concept	NOUN
fsr-4123	28	10	of	of	ADP
fsr-4123	28	11	sdh	sdh	PROPN
fsr-4123	28	12	,	,	PUNCT
fsr-4123	28	13	this	this	DET
fsr-4123	28	14	paper	paper	NOUN
fsr-4123	28	15	can	can	AUX
fsr-4123	28	16	serve	serve	VERB
fsr-4123	28	17	as	as	ADP
fsr-4123	28	18	an	an	DET
fsr-4123	28	19	easily	easily	ADV
fsr-4123	28	20	accessible	accessible	ADJ
fsr-4123	28	21	introduction	introduction	NOUN
fsr-4123	28	22	to	to	ADP
fsr-4123	28	23	the	the	DET
fsr-4123	28	24	concept	concept	NOUN
fsr-4123	28	25	.	.	PUNCT
fsr-4123	29	1	this	this	DET
fsr-4123	29	2	issue	issue	NOUN
fsr-4123	29	3	of	of	ADP
fsr-4123	29	4	fsr	fsr	PROPN
fsr-4123	29	5	concludes	conclude	VERB
fsr-4123	29	6	with	with	ADP
fsr-4123	29	7	a	a	DET
fsr-4123	29	8	paper	paper	NOUN
fsr-4123	29	9	that	that	PRON
fsr-4123	29	10	explores	explore	VERB
fsr-4123	29	11	an	an	DET
fsr-4123	29	12	important	important	ADJ
fsr-4123	29	13	topic	topic	NOUN
fsr-4123	29	14	that	that	PRON
fsr-4123	29	15	is	be	AUX
fsr-4123	29	16	embedded	embed	VERB
fsr-4123	29	17	in	in	ADP
fsr-4123	29	18	the	the	DET
fsr-4123	29	19	practice	practice	NOUN
fsr-4123	29	20	of	of	ADP
fsr-4123	29	21	financial	financial	ADJ
fsr-4123	29	22	planning	planning	NOUN
fsr-4123	29	23	:	:	PUNCT
fsr-4123	29	24	phone	phone	NOUN
fsr-4123	29	25	call	call	NOUN
fsr-4123	29	26	phobia	phobia	PROPN
fsr-4123	29	27	.	.	PUNCT
fsr-4123	30	1	in	in	ADP
fsr-4123	30	2	their	their	PRON
fsr-4123	30	3	paper	paper	NOUN
fsr-4123	30	4	(	(	PUNCT
fsr-4123	30	5	improving	improve	VERB
fsr-4123	30	6	communication	communication	NOUN
fsr-4123	30	7	with	with	ADP
fsr-4123	30	8	financial	financial	ADJ
fsr-4123	30	9	consumers	consumer	NOUN
fsr-4123	30	10	:	:	PUNCT
fsr-4123	30	11	insights	insight	NOUN
fsr-4123	30	12	from	from	ADP
fsr-4123	30	13	a	a	DET
fsr-4123	30	14	study	study	NOUN
fsr-4123	30	15	of	of	ADP
fsr-4123	30	16	phone	phone	NOUN
fsr-4123	30	17	call	call	NOUN
fsr-4123	30	18	phobia	phobia	PROPN
fsr-4123	30	19	)	)	PUNCT
fsr-4123	30	20	,	,	PUNCT
fsr-4123	30	21	drs	drs	AUX
fsr-4123	30	22	.	.	PROPN
fsr-4123	30	23	wookjae	wookjae	PROPN
fsr-4123	30	24	heo	heo	PROPN
fsr-4123	30	25	,	,	PUNCT
fsr-4123	30	26	yi	yi	PROPN
fsr-4123	30	27	liu	liu	PROPN
fsr-4123	30	28	,	,	PUNCT
fsr-4123	30	29	and	and	CCONJ
fsr-4123	30	30	jae	jae	PROPN
fsr-4123	30	31	min	min	PROPN
fsr-4123	30	32	lee	lee	PROPN
fsr-4123	30	33	describe	describe	VERB
fsr-4123	30	34	what	what	PRON
fsr-4123	30	35	many	many	ADJ
fsr-4123	30	36	financial	financial	ADJ
fsr-4123	30	37	planners	planner	NOUN
fsr-4123	30	38	encounter	encounter	VERB
fsr-4123	30	39	on	on	ADP
fsr-4123	30	40	a	a	DET
fsr-4123	30	41	daily	daily	ADJ
fsr-4123	30	42	basis	basis	NOUN
fsr-4123	30	43	—	—	PUNCT
fsr-4123	30	44	client	client	NOUN
fsr-4123	30	45	phone	phone	NOUN
fsr-4123	30	46	call	call	NOUN
fsr-4123	30	47	phobia	phobia	PROPN
fsr-4123	30	48	,	,	PUNCT
fsr-4123	30	49	a	a	DET
fsr-4123	30	50	symptom	symptom	NOUN
fsr-4123	30	51	of	of	ADP
fsr-4123	30	52	avoiding	avoid	VERB
fsr-4123	30	53	real	real	ADJ
fsr-4123	30	54	-	-	PUNCT
fsr-4123	30	55	time	time	NOUN
fsr-4123	30	56	communication	communication	NOUN
fsr-4123	30	57	that	that	PRON
fsr-4123	30	58	ranges	range	VERB
fsr-4123	30	59	from	from	ADP
fsr-4123	30	60	mild	mild	ADJ
fsr-4123	30	61	nervousness	nervousness	NOUN
fsr-4123	30	62	to	to	ADP
fsr-4123	30	63	a	a	DET
fsr-4123	30	64	debilitating	debilitate	VERB
fsr-4123	30	65	fear	fear	NOUN
fsr-4123	30	66	of	of	ADP
fsr-4123	30	67	making	make	VERB
fsr-4123	30	68	or	or	CCONJ
fsr-4123	30	69	receiving	receive	VERB
fsr-4123	30	70	phone	phone	NOUN
fsr-4123	30	71	calls	call	NOUN
fsr-4123	30	72	.	.	PUNCT
fsr-4123	31	1	drs	drs	PROPN
fsr-4123	31	2	.	.	PUNCT
fsr-4123	32	1	heo	heo	PROPN
fsr-4123	32	2	,	,	PUNCT
fsr-4123	32	3	liu	liu	PROPN
fsr-4123	32	4	,	,	PUNCT
fsr-4123	32	5	and	and	CCONJ
fsr-4123	32	6	lee	lee	PROPN
fsr-4123	32	7	examine	examine	VERB
fsr-4123	32	8	factors	factor	NOUN
fsr-4123	32	9	related	relate	VERB
fsr-4123	32	10	to	to	ADP
fsr-4123	32	11	three	three	NUM
fsr-4123	32	12	types	type	NOUN
fsr-4123	32	13	of	of	ADP
fsr-4123	32	14	phone	phone	NOUN
fsr-4123	32	15	call	call	NOUN
fsr-4123	32	16	phobia	phobia	NOUN
fsr-4123	32	17	(	(	PUNCT
fsr-4123	32	18	i.e.	i.e.	X
fsr-4123	32	19	,	,	PUNCT
fsr-4123	32	20	employer	employer	NOUN
fsr-4123	32	21	,	,	PUNCT
fsr-4123	32	22	family	family	NOUN
fsr-4123	32	23	,	,	PUNCT
fsr-4123	32	24	and	and	CCONJ
fsr-4123	32	25	friends	friend	NOUN
fsr-4123	32	26	)	)	PUNCT
fsr-4123	32	27	and	and	CCONJ
fsr-4123	32	28	six	six	NUM
fsr-4123	32	29	types	type	NOUN
fsr-4123	32	30	of	of	ADP
fsr-4123	32	31	communication	communication	NOUN
fsr-4123	32	32	preferences	preference	NOUN
fsr-4123	32	33	(	(	PUNCT
fsr-4123	32	34	i.e.	i.e.	X
fsr-4123	32	35	,	,	PUNCT
fsr-4123	32	36	face	face	NOUN
fsr-4123	32	37	-	-	PUNCT
fsr-4123	32	38	to	to	ADP
fsr-4123	32	39	-	-	PUNCT
fsr-4123	32	40	face	face	NOUN
fsr-4123	32	41	,	,	PUNCT
fsr-4123	32	42	phone	phone	NOUN
fsr-4123	32	43	calls	call	NOUN
fsr-4123	32	44	,	,	PUNCT
fsr-4123	32	45	letters	letter	NOUN
fsr-4123	32	46	,	,	PUNCT
fsr-4123	32	47	email	email	NOUN
fsr-4123	32	48	,	,	PUNCT
fsr-4123	32	49	text	text	NOUN
fsr-4123	32	50	messaging	messaging	NOUN
fsr-4123	32	51	,	,	PUNCT
fsr-4123	32	52	and	and	CCONJ
fsr-4123	32	53	online	online	ADJ
fsr-4123	32	54	messaging	message	VERB
fsr-4123	32	55	apps	app	NOUN
fsr-4123	32	56	)	)	PUNCT
fsr-4123	32	57	.	.	PUNCT
fsr-4123	33	1	what	what	PRON
fsr-4123	33	2	they	they	PRON
fsr-4123	33	3	found	find	VERB
fsr-4123	33	4	is	be	AUX
fsr-4123	33	5	profound	profound	ADJ
fsr-4123	33	6	.	.	PUNCT
fsr-4123	34	1	financial	financial	ADJ
fsr-4123	34	2	characteristics	characteristic	NOUN
fsr-4123	34	3	(	(	PUNCT
fsr-4123	34	4	i.e.	i.e.	X
fsr-4123	34	5	,	,	PUNCT
fsr-4123	34	6	financial	financial	ADJ
fsr-4123	34	7	status	status	NOUN
fsr-4123	34	8	,	,	PUNCT
fsr-4123	34	9	job	job	NOUN
fsr-4123	34	10	insecurity	insecurity	NOUN
fsr-4123	34	11	,	,	PUNCT
fsr-4123	34	12	and	and	CCONJ
fsr-4123	34	13	financial	financial	ADJ
fsr-4123	34	14	-	-	PUNCT
fsr-4123	34	15	psychological	psychological	ADJ
fsr-4123	34	16	factors	factor	NOUN
fsr-4123	34	17	)	)	PUNCT
fsr-4123	34	18	were	be	AUX
fsr-4123	34	19	observed	observe	VERB
fsr-4123	34	20	to	to	PART
fsr-4123	34	21	be	be	AUX
fsr-4123	34	22	the	the	DET
fsr-4123	34	23	primary	primary	ADJ
fsr-4123	34	24	factors	factor	NOUN
fsr-4123	34	25	contributing	contribute	VERB
fsr-4123	34	26	to	to	ADP
fsr-4123	34	27	higher	high	ADJ
fsr-4123	34	28	levels	level	NOUN
fsr-4123	34	29	of	of	ADP
fsr-4123	34	30	phone	phone	NOUN
fsr-4123	34	31	call	call	NOUN
fsr-4123	34	32	phobia	phobia	PROPN
fsr-4123	34	33	.	.	PUNCT
fsr-4123	35	1	financial	financial	ADJ
fsr-4123	35	2	planners	planner	NOUN
fsr-4123	35	3	and	and	CCONJ
fsr-4123	35	4	others	other	NOUN
fsr-4123	35	5	who	who	PRON
fsr-4123	35	6	believe	believe	VERB
fsr-4123	35	7	their	their	PRON
fsr-4123	35	8	clients	client	NOUN
fsr-4123	35	9	may	may	AUX
fsr-4123	35	10	be	be	AUX
fsr-4123	35	11	exhibiting	exhibit	VERB
fsr-4123	35	12	signs	sign	NOUN
fsr-4123	35	13	of	of	ADP
fsr-4123	35	14	phone	phone	NOUN
fsr-4123	35	15	call	call	NOUN
fsr-4123	35	16	phobia	phobia	NOUN
fsr-4123	35	17	would	would	AUX
fsr-4123	35	18	be	be	AUX
fsr-4123	35	19	well	well	ADV
fsr-4123	35	20	advised	advise	VERB
fsr-4123	35	21	to	to	PART
fsr-4123	35	22	read	read	VERB
fsr-4123	35	23	this	this	DET
fsr-4123	35	24	paper	paper	NOUN
fsr-4123	35	25	.	.	PUNCT
fsr-4123	36	1	let	let	VERB
fsr-4123	36	2	's	us	PRON
fsr-4123	36	3	shift	shift	VERB
fsr-4123	36	4	to	to	ADP
fsr-4123	36	5	two	two	NUM
fsr-4123	36	6	other	other	ADJ
fsr-4123	36	7	topics	topic	NOUN
fsr-4123	36	8	.	.	PUNCT
fsr-4123	37	1	the	the	DET
fsr-4123	37	2	first	first	ADJ
fsr-4123	37	3	is	be	AUX
fsr-4123	37	4	the	the	DET
fsr-4123	37	5	academy	academy	NOUN
fsr-4123	37	6	of	of	ADP
fsr-4123	37	7	financial	financial	ADJ
fsr-4123	37	8	services	service	NOUN
fsr-4123	37	9	(	(	PUNCT
fsr-4123	37	10	afs	afs	NOUN
fsr-4123	37	11	)	)	PUNCT
fsr-4123	37	12	conference	conference	NOUN
fsr-4123	37	13	.	.	PUNCT
fsr-4123	38	1	the	the	DET
fsr-4123	38	2	2024	2024	NUM
fsr-4123	38	3	conference	conference	NOUN
fsr-4123	38	4	was	be	AUX
fsr-4123	38	5	held	hold	VERB
fsr-4123	38	6	in	in	ADP
fsr-4123	38	7	columbus	columbus	PROPN
fsr-4123	38	8	,	,	PUNCT
fsr-4123	38	9	ohio	ohio	PROPN
fsr-4123	38	10	.	.	PUNCT
fsr-4123	39	1	the	the	DET
fsr-4123	39	2	event	event	NOUN
fsr-4123	39	3	was	be	AUX
fsr-4123	39	4	amazing	amazing	ADJ
fsr-4123	39	5	.	.	PUNCT
fsr-4123	40	1	the	the	DET
fsr-4123	40	2	quality	quality	NOUN
fsr-4123	40	3	of	of	ADP
fsr-4123	40	4	the	the	DET
fsr-4123	40	5	research	research	NOUN
fsr-4123	40	6	presentations	presentation	NOUN
fsr-4123	40	7	and	and	CCONJ
fsr-4123	40	8	the	the	DET
fsr-4123	40	9	overall	overall	ADJ
fsr-4123	40	10	level	level	NOUN
fsr-4123	40	11	of	of	ADP
fsr-4123	40	12	camaraderie	camaraderie	NOUN
fsr-4123	40	13	were	be	AUX
fsr-4123	40	14	unbelievably	unbelievably	ADV
fsr-4123	40	15	good	good	ADJ
fsr-4123	40	16	.	.	PUNCT
fsr-4123	41	1	if	if	SCONJ
fsr-4123	41	2	you	you	PRON
fsr-4123	41	3	have	have	AUX
fsr-4123	41	4	not	not	PART
fsr-4123	41	5	attended	attend	VERB
fsr-4123	41	6	an	an	DET
fsr-4123	41	7	afs	afs	NOUN
fsr-4123	41	8	conference	conference	NOUN
fsr-4123	41	9	,	,	PUNCT
fsr-4123	41	10	or	or	CCONJ
fsr-4123	41	11	if	if	SCONJ
fsr-4123	41	12	it	it	PRON
fsr-4123	41	13	has	have	AUX
fsr-4123	41	14	been	be	AUX
fsr-4123	41	15	a	a	DET
fsr-4123	41	16	while	while	NOUN
fsr-4123	41	17	since	since	SCONJ
fsr-4123	41	18	you	you	PRON
fsr-4123	41	19	've	have	AUX
fsr-4123	41	20	gone	go	VERB
fsr-4123	41	21	,	,	PUNCT
fsr-4123	41	22	i	i	PRON
fsr-4123	41	23	strongly	strongly	ADV
fsr-4123	41	24	encourage	encourage	VERB
fsr-4123	41	25	you	you	PRON
fsr-4123	41	26	to	to	PART
fsr-4123	41	27	consider	consider	VERB
fsr-4123	41	28	joining	join	VERB
fsr-4123	41	29	afs	afs	NOUN
fsr-4123	41	30	in	in	ADP
fsr-4123	41	31	2025	2025	NUM
fsr-4123	41	32	.	.	PUNCT
fsr-4123	42	1	there	there	PRON
fsr-4123	42	2	will	will	AUX
fsr-4123	42	3	be	be	AUX
fsr-4123	42	4	opportunities	opportunity	NOUN
fsr-4123	42	5	for	for	ADP
fsr-4123	42	6	dual	dual	ADJ
fsr-4123	42	7	submissions	submission	NOUN
fsr-4123	42	8	to	to	ADP
fsr-4123	42	9	fsr	fsr	PROPN
fsr-4123	42	10	and	and	CCONJ
fsr-4123	42	11	the	the	DET
fsr-4123	42	12	conference	conference	NOUN
fsr-4123	42	13	.	.	PUNCT
fsr-4123	43	1	go	go	VERB
fsr-4123	43	2	to	to	ADP
fsr-4123	43	3	the	the	DET
fsr-4123	43	4	afs	afs	NOUN
fsr-4123	43	5	website	website	NOUN
fsr-4123	43	6	to	to	PART
fsr-4123	43	7	learn	learn	VERB
fsr-4123	43	8	more	more	ADJ
fsr-4123	43	9	(	(	PUNCT
fsr-4123	43	10	https://www.academyfinancial.org/	https://www.academyfinancial.org/	NOUN
fsr-4123	43	11	)	)	PUNCT
fsr-4123	43	12	.	.	PUNCT
fsr-4123	44	1	the	the	DET
fsr-4123	44	2	second	second	ADJ
fsr-4123	44	3	topic	topic	NOUN
fsr-4123	44	4	is	be	AUX
fsr-4123	44	5	one	one	NUM
fsr-4123	44	6	of	of	ADP
fsr-4123	44	7	some	some	DET
fsr-4123	44	8	sadness	sadness	NOUN
fsr-4123	44	9	(	(	PUNCT
fsr-4123	44	10	on	on	ADP
fsr-4123	44	11	my	my	PRON
fsr-4123	44	12	part	part	NOUN
fsr-4123	44	13	)	)	PUNCT
fsr-4123	44	14	.	.	PUNCT
fsr-4123	45	1	the	the	DET
fsr-4123	45	2	next	next	ADJ
fsr-4123	45	3	issue	issue	NOUN
fsr-4123	45	4	of	of	ADP
fsr-4123	45	5	fsr	fsr	PROPN
fsr-4123	45	6	will	will	AUX
fsr-4123	45	7	be	be	AUX
fsr-4123	45	8	my	my	PRON
fsr-4123	45	9	last	last	NOUN
fsr-4123	45	10	as	as	ADP
fsr-4123	45	11	editor	editor	NOUN
fsr-4123	45	12	.	.	PUNCT
fsr-4123	46	1	given	give	VERB
fsr-4123	46	2	work	work	NOUN
fsr-4123	46	3	,	,	PUNCT
fsr-4123	46	4	family	family	NOUN
fsr-4123	46	5	obligations	obligation	NOUN
fsr-4123	46	6	,	,	PUNCT
fsr-4123	46	7	and	and	CCONJ
fsr-4123	46	8	health	health	NOUN
fsr-4123	46	9	issues	issue	NOUN
fsr-4123	46	10	,	,	PUNCT
fsr-4123	46	11	i	i	PRON
fsr-4123	46	12	have	have	AUX
fsr-4123	46	13	decided	decide	VERB
fsr-4123	46	14	to	to	PART
fsr-4123	46	15	step	step	VERB
fsr-4123	46	16	aside	aside	ADV
fsr-4123	46	17	.	.	PUNCT
fsr-4123	47	1	fortunately	fortunately	ADV
fsr-4123	47	2	,	,	PUNCT
fsr-4123	47	3	dr	dr	PROPN
fsr-4123	47	4	.	.	PROPN
fsr-4123	47	5	stephen	stephen	PROPN
fsr-4123	47	6	horan	horan	PROPN
fsr-4123	47	7	has	have	AUX
fsr-4123	47	8	agreed	agree	VERB
fsr-4123	47	9	to	to	PART
fsr-4123	47	10	take	take	VERB
fsr-4123	47	11	the	the	DET
fsr-4123	47	12	role	role	NOUN
fsr-4123	47	13	of	of	ADP
fsr-4123	47	14	editor	editor	NOUN
fsr-4123	47	15	.	.	PUNCT
fsr-4123	48	1	this	this	PRON
fsr-4123	48	2	will	will	AUX
fsr-4123	48	3	allow	allow	VERB
fsr-4123	48	4	opportunities	opportunity	NOUN
fsr-4123	48	5	for	for	ADP
fsr-4123	48	6	financial	financial	ADJ
fsr-4123	48	7	services	service	NOUN
fsr-4123	48	8	review	review	NOUN
fsr-4123	48	9	and	and	CCONJ
fsr-4123	48	10	financial	financial	ADJ
fsr-4123	48	11	planning	planning	NOUN
fsr-4123	48	12	review	review	NOUN
fsr-4123	48	13	to	to	PART
fsr-4123	48	14	synergistically	synergistically	ADV
fsr-4123	48	15	align	align	VERB
fsr-4123	48	16	to	to	PART
fsr-4123	48	17	enhance	enhance	VERB
fsr-4123	48	18	fsr	fsr	PROPN
fsr-4123	48	19	's	's	PART
fsr-4123	48	20	publication	publication	NOUN
fsr-4123	48	21	and	and	CCONJ
fsr-4123	48	22	outreach	outreach	NOUN
fsr-4123	48	23	efforts	effort	NOUN
fsr-4123	48	24	.	.	PUNCT
fsr-4123	49	1	more	more	ADJ
fsr-4123	49	2	information	information	NOUN
fsr-4123	49	3	about	about	ADP
fsr-4123	49	4	the	the	DET
fsr-4123	49	5	future	future	NOUN
fsr-4123	49	6	of	of	ADP
fsr-4123	49	7	fsr	fsr	PROPN
fsr-4123	49	8	will	will	AUX
fsr-4123	49	9	be	be	AUX
fsr-4123	49	10	provided	provide	VERB
fsr-4123	49	11	in	in	ADP
fsr-4123	49	12	the	the	DET
fsr-4123	49	13	next	next	ADJ
fsr-4123	49	14	couple	couple	NOUN
fsr-4123	49	15	of	of	ADP
fsr-4123	49	16	issues	issue	NOUN
fsr-4123	49	17	.	.	PUNCT
fsr-4123	50	1	in	in	ADP
fsr-4123	50	2	the	the	DET
fsr-4123	50	3	meantime	meantime	NOUN
fsr-4123	50	4	,	,	PUNCT
fsr-4123	50	5	i	i	PRON
fsr-4123	50	6	encourage	encourage	VERB
fsr-4123	50	7	you	you	PRON
fsr-4123	50	8	to	to	PART
fsr-4123	50	9	submit	submit	VERB
fsr-4123	50	10	your	your	PRON
fsr-4123	50	11	work	work	NOUN
fsr-4123	50	12	to	to	ADP
fsr-4123	50	13	fsr	fsr	PROPN
fsr-4123	50	14	.	.	PUNCT
fsr-4123	51	1	until	until	ADP
fsr-4123	51	2	next	next	ADJ
fsr-4123	51	3	time	time	NOUN
fsr-4123	51	4	,	,	PUNCT
fsr-4123	51	5	all	all	DET
fsr-4123	51	6	the	the	DET
fsr-4123	51	7	best	good	ADJ
fsr-4123	51	8	,	,	PUNCT
fsr-4123	51	9	john	john	PROPN
fsr-4123	51	10	e.	e.	PROPN
fsr-4123	51	11	grable	grable	PROPN
fsr-4123	51	12	,	,	PUNCT
fsr-4123	51	13	ph.d	ph.d	PROPN
fsr-4123	51	14	.	.	PROPN
fsr-4123	51	15	,	,	PUNCT
fsr-4123	51	16	cfp	cfp	PROPN
fsr-4123	51	17	®	®	NOUN
fsr-4123	51	18	editor	editor	NOUN