id	sid	tid	token	lemma	pos
fsr-4128	1	1	134	134	NUM
fsr-4128	1	2	the	the	DET
fsr-4128	1	3	value	value	NOUN
fsr-4128	1	4	of	of	ADP
fsr-4128	1	5	financial	financial	ADJ
fsr-4128	1	6	advice	advice	NOUN
fsr-4128	1	7	:	:	PUNCT
fsr-4128	1	8	a	a	DET
fsr-4128	1	9	narrative	narrative	NOUN
fsr-4128	1	10	review	review	NOUN
fsr-4128	1	11	and	and	CCONJ
fsr-4128	1	12	conceptual	conceptual	ADJ
fsr-4128	1	13	frameworks	framework	NOUN
fsr-4128	1	14	kirsten	kirsten	PROPN
fsr-4128	1	15	l.	l.	PROPN
fsr-4128	1	16	macdonald,1	macdonald,1	PROPN
fsr-4128	1	17	karen	karen	PROPN
fsr-4128	1	18	l	l	PROPN
fsr-4128	1	19	.	.	PUNCT
fsr-4128	2	1	wildman,2	wildman,2	PROPN
fsr-4128	2	2	ellana	ellana	PROPN
fsr-4128	2	3	loy	loy	PROPN
fsr-4128	2	4	,	,	PUNCT
fsr-4128	2	5	3	3	NUM
fsr-4128	2	6	and	and	CCONJ
fsr-4128	2	7	mark	mark	PROPN
fsr-4128	2	8	brimble4	brimble4	PROPN
fsr-4128	2	9	abstract	abstract	ADJ
fsr-4128	2	10	efforts	effort	NOUN
fsr-4128	2	11	to	to	PART
fsr-4128	2	12	increase	increase	VERB
fsr-4128	2	13	the	the	DET
fsr-4128	2	14	low	low	ADJ
fsr-4128	2	15	global	global	ADJ
fsr-4128	2	16	consumer	consumer	NOUN
fsr-4128	2	17	uptake	uptake	NOUN
fsr-4128	2	18	and	and	CCONJ
fsr-4128	2	19	recognition	recognition	NOUN
fsr-4128	2	20	of	of	ADP
fsr-4128	2	21	financial	financial	ADJ
fsr-4128	2	22	advice	advice	NOUN
fsr-4128	2	23	as	as	ADP
fsr-4128	2	24	a	a	DET
fsr-4128	2	25	trusted	trust	VERB
fsr-4128	2	26	profession	profession	NOUN
fsr-4128	2	27	have	have	AUX
fsr-4128	2	28	been	be	AUX
fsr-4128	2	29	hampered	hamper	VERB
fsr-4128	2	30	by	by	ADP
fsr-4128	2	31	low	low	ADJ
fsr-4128	2	32	financial	financial	ADJ
fsr-4128	2	33	capability	capability	NOUN
fsr-4128	2	34	,	,	PUNCT
fsr-4128	2	35	distrust	distrust	NOUN
fsr-4128	2	36	of	of	ADP
fsr-4128	2	37	financial	financial	ADJ
fsr-4128	2	38	advisors	advisor	NOUN
fsr-4128	2	39	and	and	CCONJ
fsr-4128	2	40	soaring	soar	VERB
fsr-4128	2	41	costs	cost	NOUN
fsr-4128	2	42	.	.	PUNCT
fsr-4128	3	1	while	while	SCONJ
fsr-4128	3	2	considerable	considerable	ADJ
fsr-4128	3	3	research	research	NOUN
fsr-4128	3	4	has	have	AUX
fsr-4128	3	5	been	be	AUX
fsr-4128	3	6	published	publish	VERB
fsr-4128	3	7	on	on	ADP
fsr-4128	3	8	the	the	DET
fsr-4128	3	9	value	value	NOUN
fsr-4128	3	10	of	of	ADP
fsr-4128	3	11	financial	financial	ADJ
fsr-4128	3	12	advice	advice	NOUN
fsr-4128	3	13	,	,	PUNCT
fsr-4128	3	14	a	a	DET
fsr-4128	3	15	synthesis	synthesis	NOUN
fsr-4128	3	16	of	of	ADP
fsr-4128	3	17	scholarship	scholarship	NOUN
fsr-4128	3	18	is	be	AUX
fsr-4128	3	19	surprisingly	surprisingly	ADV
fsr-4128	3	20	absent	absent	ADJ
fsr-4128	3	21	,	,	PUNCT
fsr-4128	3	22	leading	lead	VERB
fsr-4128	3	23	to	to	ADP
fsr-4128	3	24	a	a	DET
fsr-4128	3	25	lack	lack	NOUN
fsr-4128	3	26	of	of	ADP
fsr-4128	3	27	credible	credible	ADJ
fsr-4128	3	28	information	information	NOUN
fsr-4128	3	29	on	on	ADP
fsr-4128	3	30	the	the	DET
fsr-4128	3	31	outcomes	outcome	NOUN
fsr-4128	3	32	of	of	ADP
fsr-4128	3	33	professional	professional	ADJ
fsr-4128	3	34	financial	financial	ADJ
fsr-4128	3	35	advice	advice	NOUN
fsr-4128	3	36	.	.	PUNCT
fsr-4128	4	1	to	to	PART
fsr-4128	4	2	determine	determine	VERB
fsr-4128	4	3	the	the	DET
fsr-4128	4	4	ways	way	NOUN
fsr-4128	4	5	in	in	ADP
fsr-4128	4	6	which	which	PRON
fsr-4128	4	7	value	value	NOUN
fsr-4128	4	8	has	have	AUX
fsr-4128	4	9	been	be	AUX
fsr-4128	4	10	contextualized	contextualize	VERB
fsr-4128	4	11	and	and	CCONJ
fsr-4128	4	12	measured	measure	VERB
fsr-4128	4	13	and	and	CCONJ
fsr-4128	4	14	the	the	DET
fsr-4128	4	15	extent	extent	NOUN
fsr-4128	4	16	to	to	PART
fsr-4128	4	17	which	which	DET
fsr-4128	4	18	value	value	NOUN
fsr-4128	4	19	has	have	AUX
fsr-4128	4	20	been	be	AUX
fsr-4128	4	21	substantiated	substantiate	VERB
fsr-4128	4	22	,	,	PUNCT
fsr-4128	4	23	this	this	DET
fsr-4128	4	24	themes	theme	NOUN
fsr-4128	4	25	-	-	PUNCT
fsr-4128	4	26	based	base	VERB
fsr-4128	4	27	narrative	narrative	NOUN
fsr-4128	4	28	review	review	NOUN
fsr-4128	4	29	comprehensively	comprehensively	ADV
fsr-4128	4	30	examines	examine	VERB
fsr-4128	4	31	tangible	tangible	ADJ
fsr-4128	4	32	outcomes	outcome	NOUN
fsr-4128	4	33	,	,	PUNCT
fsr-4128	4	34	such	such	ADJ
fsr-4128	4	35	as	as	ADP
fsr-4128	4	36	investment	investment	NOUN
fsr-4128	4	37	performance	performance	NOUN
fsr-4128	4	38	,	,	PUNCT
fsr-4128	4	39	and	and	CCONJ
fsr-4128	4	40	less	less	ADV
fsr-4128	4	41	tangible	tangible	ADJ
fsr-4128	4	42	components	component	NOUN
fsr-4128	4	43	of	of	ADP
fsr-4128	4	44	value	value	NOUN
fsr-4128	4	45	relating	relate	VERB
fsr-4128	4	46	to	to	ADP
fsr-4128	4	47	consumer	consumer	NOUN
fsr-4128	4	48	wellbeing	wellbeing	NOUN
fsr-4128	4	49	and	and	CCONJ
fsr-4128	4	50	the	the	DET
fsr-4128	4	51	client	client	NOUN
fsr-4128	4	52	-	-	PUNCT
fsr-4128	4	53	advisor	advisor	NOUN
fsr-4128	4	54	relationship	relationship	NOUN
fsr-4128	4	55	.	.	PUNCT
fsr-4128	5	1	we	we	PRON
fsr-4128	5	2	conclude	conclude	VERB
fsr-4128	5	3	by	by	ADP
fsr-4128	5	4	proposing	propose	VERB
fsr-4128	5	5	a	a	DET
fsr-4128	5	6	conceptual	conceptual	ADJ
fsr-4128	5	7	framework	framework	NOUN
fsr-4128	5	8	of	of	ADP
fsr-4128	5	9	the	the	DET
fsr-4128	5	10	value	value	NOUN
fsr-4128	5	11	of	of	ADP
fsr-4128	5	12	financial	financial	ADJ
fsr-4128	5	13	advice	advice	NOUN
fsr-4128	5	14	to	to	PART
fsr-4128	5	15	support	support	VERB
fsr-4128	5	16	the	the	DET
fsr-4128	5	17	development	development	NOUN
fsr-4128	5	18	of	of	ADP
fsr-4128	5	19	a	a	DET
fsr-4128	5	20	more	more	ADV
fsr-4128	5	21	consistent	consistent	ADJ
fsr-4128	5	22	,	,	PUNCT
fsr-4128	5	23	rigorous	rigorous	ADJ
fsr-4128	5	24	and	and	CCONJ
fsr-4128	5	25	coherent	coherent	ADJ
fsr-4128	5	26	body	body	NOUN
fsr-4128	5	27	of	of	ADP
fsr-4128	5	28	literature	literature	NOUN
fsr-4128	5	29	across	across	ADP
fsr-4128	5	30	jurisdictions	jurisdiction	NOUN
fsr-4128	5	31	,	,	PUNCT
fsr-4128	5	32	with	with	ADP
fsr-4128	5	33	increased	increase	VERB
fsr-4128	5	34	transparency	transparency	NOUN
fsr-4128	5	35	for	for	ADP
fsr-4128	5	36	consumers	consumer	NOUN
fsr-4128	5	37	and	and	CCONJ
fsr-4128	5	38	other	other	ADJ
fsr-4128	5	39	stakeholders	stakeholder	NOUN
fsr-4128	5	40	of	of	ADP
fsr-4128	5	41	financial	financial	ADJ
fsr-4128	5	42	advice	advice	NOUN
fsr-4128	5	43	.	.	PUNCT
fsr-4128	6	1	creative	creative	ADJ
fsr-4128	6	2	commons	commons	PROPN
fsr-4128	6	3	license	license	NOUN
fsr-4128	6	4	this	this	DET
fsr-4128	6	5	work	work	NOUN
fsr-4128	6	6	is	be	AUX
fsr-4128	6	7	licensed	license	VERB
fsr-4128	6	8	under	under	ADP
fsr-4128	6	9	a	a	DET
fsr-4128	6	10	creative	creative	ADJ
fsr-4128	6	11	commons	common	NOUN
fsr-4128	6	12	attribution	attribution	NOUN
fsr-4128	6	13	-	-	PUNCT
fsr-4128	6	14	noncommercial	noncommercial	ADJ
fsr-4128	6	15	4.0	4.0	NUM
fsr-4128	6	16	license	license	NOUN
fsr-4128	6	17	recommended	recommend	VERB
fsr-4128	6	18	citation	citation	NOUN
fsr-4128	6	19	macdonald	macdonald	PROPN
fsr-4128	6	20	,	,	PUNCT
fsr-4128	6	21	k.	k.	PROPN
fsr-4128	6	22	l.	l.	PROPN
fsr-4128	6	23	,	,	PUNCT
fsr-4128	6	24	wildman	wildman	PROPN
fsr-4128	6	25	,	,	PUNCT
fsr-4128	6	26	k.	k.	PROPN
fsr-4128	6	27	l.	l.	PROPN
fsr-4128	6	28	,	,	PUNCT
fsr-4128	6	29	loy	loy	PROPN
fsr-4128	6	30	,	,	PUNCT
fsr-4128	6	31	e.	e.	PROPN
fsr-4128	6	32	,	,	PUNCT
fsr-4128	6	33	and	and	CCONJ
fsr-4128	6	34	brimble	brimble	ADJ
fsr-4128	6	35	,	,	PUNCT
fsr-4128	6	36	m.	m.	NOUN
fsr-4128	6	37	(	(	PUNCT
fsr-4128	6	38	2025	2025	NUM
fsr-4128	6	39	)	)	PUNCT
fsr-4128	6	40	.	.	PUNCT
fsr-4128	7	1	the	the	DET
fsr-4128	7	2	value	value	NOUN
fsr-4128	7	3	of	of	ADP
fsr-4128	7	4	financial	financial	ADJ
fsr-4128	7	5	advice	advice	NOUN
fsr-4128	7	6	:	:	PUNCT
fsr-4128	7	7	a	a	DET
fsr-4128	7	8	narrative	narrative	NOUN
fsr-4128	7	9	review	review	NOUN
fsr-4128	7	10	and	and	CCONJ
fsr-4128	7	11	conceptual	conceptual	ADJ
fsr-4128	7	12	frameworks	framework	NOUN
fsr-4128	7	13	.	.	PUNCT
fsr-4128	8	1	financial	financial	ADJ
fsr-4128	8	2	services	service	NOUN
fsr-4128	8	3	review	review	NOUN
fsr-4128	8	4	,	,	PUNCT
fsr-4128	8	5	33(4	33(4	NUM
fsr-4128	8	6	)	)	PUNCT
fsr-4128	8	7	,	,	PUNCT
fsr-4128	8	8	134163	134163	NUM
fsr-4128	8	9	.	.	PUNCT
fsr-4128	9	1	introduction	introduction	NOUN
fsr-4128	9	2	with	with	ADP
fsr-4128	9	3	global	global	ADJ
fsr-4128	9	4	concern	concern	NOUN
fsr-4128	9	5	over	over	ADP
fsr-4128	9	6	the	the	DET
fsr-4128	9	7	cost	cost	NOUN
fsr-4128	9	8	of	of	ADP
fsr-4128	9	9	living	living	NOUN
fsr-4128	9	10	driven	drive	VERB
fsr-4128	9	11	by	by	ADP
fsr-4128	9	12	post	post	ADJ
fsr-4128	9	13	-	-	ADJ
fsr-4128	9	14	pandemic	pandemic	ADJ
fsr-4128	9	15	inflation	inflation	NOUN
fsr-4128	9	16	and	and	CCONJ
fsr-4128	9	17	interest	interest	NOUN
fsr-4128	9	18	rate	rate	NOUN
fsr-4128	9	19	rises	rise	NOUN
fsr-4128	9	20	,	,	PUNCT
fsr-4128	9	21	professional	professional	ADJ
fsr-4128	9	22	,	,	PUNCT
fsr-4128	9	23	affordable	affordable	ADJ
fsr-4128	9	24	,	,	PUNCT
fsr-4128	9	25	and	and	CCONJ
fsr-4128	9	26	accessible	accessible	ADJ
fsr-4128	9	27	financial	financial	ADJ
fsr-4128	9	28	advice	advice	NOUN
fsr-4128	9	29	may	may	AUX
fsr-4128	9	30	be	be	AUX
fsr-4128	9	31	needed	need	VERB
fsr-4128	9	32	more	more	ADV
fsr-4128	9	33	than	than	ADP
fsr-4128	9	34	ever	ever	ADV
fsr-4128	9	35	.	.	PUNCT
fsr-4128	10	1	improving	improve	VERB
fsr-4128	10	2	access	access	NOUN
fsr-4128	10	3	to	to	ADP
fsr-4128	10	4	quality	quality	NOUN
fsr-4128	10	5	financial	financial	ADJ
fsr-4128	10	6	advice	advice	NOUN
fsr-4128	10	7	supports	support	VERB
fsr-4128	10	8	consumer	consumer	NOUN
fsr-4128	10	9	financial	financial	ADJ
fsr-4128	10	10	sustainability	sustainability	NOUN
fsr-4128	10	11	(	(	PUNCT
fsr-4128	10	12	security	security	NOUN
fsr-4128	10	13	,	,	PUNCT
fsr-4128	10	14	safety	safety	NOUN
fsr-4128	10	15	,	,	PUNCT
fsr-4128	10	16	and	and	CCONJ
fsr-4128	10	17	wellbeing	wellbee	VERB
fsr-4128	10	18	)	)	PUNCT
fsr-4128	10	19	and	and	CCONJ
fsr-4128	10	20	better	well	ADJ
fsr-4128	10	21	navigation	navigation	NOUN
fsr-4128	10	22	of	of	ADP
fsr-4128	10	23	the	the	DET
fsr-4128	10	24	environment	environment	NOUN
fsr-4128	10	25	in	in	ADP
fsr-4128	10	26	which	which	PRON
fsr-4128	10	27	individuals	individual	NOUN
fsr-4128	10	28	make	make	VERB
fsr-4128	10	29	personal	personal	ADJ
fsr-4128	10	30	financial	financial	ADJ
fsr-4128	10	31	decisions	decision	NOUN
fsr-4128	10	32	.	.	PUNCT
fsr-4128	11	1	increasing	increase	VERB
fsr-4128	11	2	individual	individual	ADJ
fsr-4128	11	3	financial	financial	ADJ
fsr-4128	11	4	resilience	resilience	NOUN
fsr-4128	11	5	also	also	ADV
fsr-4128	11	6	creates	create	VERB
fsr-4128	11	7	social	social	ADJ
fsr-4128	11	8	and	and	CCONJ
fsr-4128	11	9	economic	economic	ADJ
fsr-4128	11	10	payoffs	payoff	NOUN
fsr-4128	11	11	for	for	ADP
fsr-4128	11	12	economies	economy	NOUN
fsr-4128	11	13	by	by	ADP
fsr-4128	11	14	reducing	reduce	VERB
fsr-4128	11	15	the	the	DET
fsr-4128	11	16	burden	burden	NOUN
fsr-4128	11	17	on	on	ADP
fsr-4128	11	18	government	government	NOUN
fsr-4128	11	19	support	support	NOUN
fsr-4128	11	20	in	in	ADP
fsr-4128	11	21	working	work	VERB
fsr-4128	11	22	life	life	NOUN
fsr-4128	11	23	and	and	CCONJ
fsr-4128	11	24	retirement	retirement	NOUN
fsr-4128	11	25	(	(	PUNCT
fsr-4128	11	26	macdonald	macdonald	PROPN
fsr-4128	11	27	et	et	PROPN
fsr-4128	11	28	al	al	PROPN
fsr-4128	11	29	.	.	PROPN
fsr-4128	11	30	,	,	PUNCT
fsr-4128	11	31	2023	2023	NUM
fsr-4128	11	32	;	;	PUNCT
fsr-4128	11	33	oecd	oecd	PROPN
fsr-4128	11	34	,	,	PUNCT
fsr-4128	11	35	2020	2020	NUM
fsr-4128	11	36	)	)	PUNCT
fsr-4128	11	37	.	.	PUNCT
fsr-4128	12	1	nonetheless	nonetheless	ADV
fsr-4128	12	2	,	,	PUNCT
fsr-4128	12	3	efforts	effort	NOUN
fsr-4128	12	4	to	to	PART
fsr-4128	12	5	increase	increase	VERB
fsr-4128	12	6	the	the	DET
fsr-4128	12	7	low	low	ADJ
fsr-4128	12	8	1	1	NUM
fsr-4128	12	9	k.macdonald@griffith.edu.au	k.macdonald@griffith.edu.au	NOUN
fsr-4128	12	10	,	,	PUNCT
fsr-4128	12	11	griffith	griffith	PROPN
fsr-4128	12	12	university	university	PROPN
fsr-4128	12	13	,	,	PUNCT
fsr-4128	12	14	brisbane	brisbane	PROPN
fsr-4128	12	15	,	,	PUNCT
fsr-4128	12	16	queensland	queensland	PROPN
fsr-4128	12	17	,	,	PUNCT
fsr-4128	12	18	australia	australia	PROPN
fsr-4128	12	19	.	.	PUNCT
fsr-4128	12	20	2	2	NUM
fsr-4128	12	21	corresponding	correspond	VERB
fsr-4128	12	22	author	author	NOUN
fsr-4128	12	23	(	(	PUNCT
fsr-4128	12	24	k.wildman@griffith.edu.au	k.wildman@griffith.edu.au	PROPN
fsr-4128	12	25	)	)	PUNCT
fsr-4128	12	26	,	,	PUNCT
fsr-4128	12	27	griffith	griffith	PROPN
fsr-4128	12	28	university	university	PROPN
fsr-4128	12	29	,	,	PUNCT
fsr-4128	12	30	brisbane	brisbane	PROPN
fsr-4128	12	31	,	,	PUNCT
fsr-4128	12	32	queensland	queensland	PROPN
fsr-4128	12	33	,	,	PUNCT
fsr-4128	12	34	australia	australia	PROPN
fsr-4128	12	35	.	.	PROPN
fsr-4128	12	36	3	3	NUM
fsr-4128	12	37	e.loy@griffith.edu.au	e.loy@griffith.edu.au	NUM
fsr-4128	12	38	,	,	PUNCT
fsr-4128	12	39	griffith	griffith	PROPN
fsr-4128	12	40	university	university	PROPN
fsr-4128	12	41	,	,	PUNCT
fsr-4128	12	42	brisbane	brisbane	PROPN
fsr-4128	12	43	,	,	PUNCT
fsr-4128	12	44	queensland	queensland	PROPN
fsr-4128	12	45	,	,	PUNCT
fsr-4128	12	46	australia	australia	PROPN
fsr-4128	12	47	.	.	PROPN
fsr-4128	13	1	4	4	NUM
fsr-4128	13	2	m.brimble@griffith.edu.au	m.brimble@griffith.edu.au	NOUN
fsr-4128	13	3	,	,	PUNCT
fsr-4128	13	4	griffith	griffith	PROPN
fsr-4128	13	5	university	university	PROPN
fsr-4128	13	6	,	,	PUNCT
fsr-4128	13	7	brisbane	brisbane	PROPN
fsr-4128	13	8	,	,	PUNCT
fsr-4128	13	9	queensland	queensland	PROPN
fsr-4128	13	10	,	,	PUNCT
fsr-4128	13	11	australia	australia	PROPN
fsr-4128	13	12	.	.	PUNCT
fsr-4128	14	1	global	global	ADJ
fsr-4128	14	2	uptake	uptake	NOUN
fsr-4128	14	3	of	of	ADP
fsr-4128	14	4	financial	financial	ADJ
fsr-4128	14	5	advice	advice	NOUN
fsr-4128	14	6	to	to	PART
fsr-4128	14	7	address	address	VERB
fsr-4128	14	8	unmet	unmet	NOUN
fsr-4128	14	9	advice	advice	NOUN
fsr-4128	14	10	needs	need	NOUN
fsr-4128	14	11	are	be	AUX
fsr-4128	14	12	challenged	challenge	VERB
fsr-4128	14	13	by	by	ADP
fsr-4128	14	14	key	key	ADJ
fsr-4128	14	15	trends	trend	NOUN
fsr-4128	14	16	relating	relate	VERB
fsr-4128	14	17	to	to	ADP
fsr-4128	14	18	the	the	DET
fsr-4128	14	19	demand	demand	NOUN
fsr-4128	14	20	and	and	CCONJ
fsr-4128	14	21	supply	supply	NOUN
fsr-4128	14	22	of	of	ADP
fsr-4128	14	23	advice	advice	NOUN
fsr-4128	14	24	.	.	PUNCT
fsr-4128	15	1	the	the	DET
fsr-4128	15	2	number	number	NOUN
fsr-4128	15	3	of	of	ADP
fsr-4128	15	4	individuals	individual	NOUN
fsr-4128	15	5	seeking	seek	VERB
fsr-4128	15	6	advice	advice	NOUN
fsr-4128	15	7	from	from	ADP
fsr-4128	15	8	a	a	DET
fsr-4128	15	9	financial	financial	ADJ
fsr-4128	15	10	advisor	advisor	NOUN
fsr-4128	15	11	is	be	AUX
fsr-4128	15	12	declining	decline	VERB
fsr-4128	15	13	and	and	CCONJ
fsr-4128	15	14	the	the	DET
fsr-4128	15	15	way	way	NOUN
fsr-4128	15	16	in	in	ADP
fsr-4128	15	17	which	which	PRON
fsr-4128	15	18	individuals	individual	NOUN
fsr-4128	15	19	seek	seek	VERB
fsr-4128	15	20	and	and	CCONJ
fsr-4128	15	21	consume	consume	VERB
fsr-4128	15	22	financial	financial	ADJ
fsr-4128	15	23	advice	advice	NOUN
fsr-4128	15	24	is	be	AUX
fsr-4128	15	25	changing	change	VERB
fsr-4128	15	26	.	.	PUNCT
fsr-4128	16	1	only	only	ADV
fsr-4128	16	2	one	one	NUM
fsr-4128	16	3	in	in	ADP
fsr-4128	16	4	10	10	NUM
fsr-4128	16	5	australians	australian	NOUN
fsr-4128	16	6	sought	seek	VERB
fsr-4128	16	7	advice	advice	NOUN
fsr-4128	16	8	in	in	ADP
fsr-4128	16	9	2021	2021	NUM
fsr-4128	16	10	,	,	PUNCT
fsr-4128	16	11	down	down	ADV
fsr-4128	16	12	1	1	NUM
fsr-4128	16	13	%	%	NOUN
fsr-4128	16	14	per	per	ADP
fsr-4128	16	15	year	year	NOUN
fsr-4128	16	16	since	since	SCONJ
fsr-4128	16	17	2019	2019	NUM
fsr-4128	16	18	(	(	PUNCT
fsr-4128	16	19	adviser	adviser	NOUN
fsr-4128	16	20	ratings	rating	NOUN
fsr-4128	16	21	,	,	PUNCT
fsr-4128	16	22	2022	2022	NUM
fsr-4128	16	23	;	;	PUNCT
fsr-4128	16	24	australian	australian	ADJ
fsr-4128	16	25	securities	security	NOUN
fsr-4128	16	26	&	&	CCONJ
fsr-4128	16	27	investments	investments	PROPN
fsr-4128	16	28	commission	commission	PROPN
fsr-4128	17	1	[	[	X
fsr-4128	17	2	asic	asic	NOUN
fsr-4128	17	3	]	]	X
fsr-4128	17	4	,	,	PUNCT
fsr-4128	17	5	2019	2019	NUM
fsr-4128	17	6	)	)	PUNCT
fsr-4128	17	7	.	.	PUNCT
fsr-4128	18	1	although	although	SCONJ
fsr-4128	18	2	one	one	NUM
fsr-4128	18	3	in	in	ADP
fsr-4128	18	4	four	four	NUM
fsr-4128	18	5	americans	americans	PROPN
fsr-4128	18	6	currently	currently	ADV
fsr-4128	18	7	receive	receive	VERB
fsr-4128	18	8	advice	advice	NOUN
fsr-4128	18	9	from	from	ADP
fsr-4128	18	10	a	a	DET
fsr-4128	18	11	financial	financial	ADJ
fsr-4128	18	12	advisor	advisor	NOUN
fsr-4128	18	13	,	,	PUNCT
fsr-4128	18	14	like	like	ADP
fsr-4128	18	15	australia	australia	PROPN
fsr-4128	18	16	,	,	PUNCT
fsr-4128	18	17	advised	advise	VERB
fsr-4128	18	18	clients	client	NOUN
fsr-4128	18	19	are	be	AUX
fsr-4128	18	20	more	more	ADV
fsr-4128	18	21	likely	likely	ADJ
fsr-4128	18	22	to	to	PART
fsr-4128	18	23	be	be	AUX
fsr-4128	18	24	male	male	ADJ
fsr-4128	18	25	and	and	CCONJ
fsr-4128	18	26	older	old	ADJ
fsr-4128	18	27	(	(	PUNCT
fsr-4128	18	28	cfp	cfp	PROPN
fsr-4128	18	29	board	board	NOUN
fsr-4128	18	30	,	,	PUNCT
fsr-4128	18	31	2023	2023	NUM
fsr-4128	18	32	)	)	PUNCT
fsr-4128	18	33	.	.	PUNCT
fsr-4128	19	1	from	from	ADP
fsr-4128	19	2	2019	2019	NUM
fsr-4128	19	3	to	to	ADP
fsr-4128	19	4	2021	2021	NUM
fsr-4128	19	5	,	,	PUNCT
fsr-4128	19	6	ongoing	ongoing	ADJ
fsr-4128	19	7	advice	advice	NOUN
fsr-4128	19	8	in	in	ADP
fsr-4128	19	9	australia	australia	PROPN
fsr-4128	19	10	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4128	19	11	macdonald	macdonald	PROPN
fsr-4128	19	12	et	et	PROPN
fsr-4128	19	13	al	al	PROPN
fsr-4128	19	14	.	.	PROPN
fsr-4128	19	15	135	135	NUM
fsr-4128	19	16	trended	trend	VERB
fsr-4128	19	17	downwards	downward	NOUN
fsr-4128	19	18	(	(	PUNCT
fsr-4128	19	19	85	85	NUM
fsr-4128	19	20	%	%	NOUN
fsr-4128	19	21	to	to	PART
fsr-4128	19	22	75	75	NUM
fsr-4128	19	23	%	%	NOUN
fsr-4128	19	24	)	)	PUNCT
fsr-4128	19	25	and	and	CCONJ
fsr-4128	19	26	piecemeal	piecemeal	ADJ
fsr-4128	19	27	or	or	CCONJ
fsr-4128	19	28	one	one	NUM
fsr-4128	19	29	-	-	PUNCT
fsr-4128	19	30	off	off	ADP
fsr-4128	19	31	advice	advice	NOUN
fsr-4128	19	32	increased	increase	VERB
fsr-4128	19	33	(	(	PUNCT
fsr-4128	19	34	15	15	NUM
fsr-4128	19	35	%	%	NOUN
fsr-4128	19	36	to	to	PART
fsr-4128	19	37	24	24	NUM
fsr-4128	19	38	%	%	NOUN
fsr-4128	19	39	)	)	PUNCT
fsr-4128	19	40	while	while	SCONJ
fsr-4128	19	41	advice	advice	NOUN
fsr-4128	19	42	-	-	PUNCT
fsr-4128	19	43	seeking	seeking	NOUN
fsr-4128	19	44	via	via	ADP
fsr-4128	19	45	technology	technology	NOUN
fsr-4128	19	46	and	and	CCONJ
fsr-4128	19	47	social	social	ADJ
fsr-4128	19	48	media	medium	NOUN
fsr-4128	19	49	increased	increase	VERB
fsr-4128	19	50	(	(	PUNCT
fsr-4128	19	51	up	up	ADP
fsr-4128	19	52	to	to	PART
fsr-4128	19	53	5	5	NUM
fsr-4128	19	54	%	%	NOUN
fsr-4128	19	55	of	of	ADP
fsr-4128	19	56	individuals	individual	NOUN
fsr-4128	19	57	)	)	PUNCT
fsr-4128	19	58	(	(	PUNCT
fsr-4128	19	59	adviser	adviser	NOUN
fsr-4128	19	60	ratings	rating	NOUN
fsr-4128	19	61	,	,	PUNCT
fsr-4128	19	62	2022	2022	NUM
fsr-4128	19	63	)	)	PUNCT
fsr-4128	19	64	.	.	PUNCT
fsr-4128	20	1	importantly	importantly	ADV
fsr-4128	20	2	,	,	PUNCT
fsr-4128	20	3	the	the	DET
fsr-4128	20	4	intention	intention	NOUN
fsr-4128	20	5	of	of	ADP
fsr-4128	20	6	those	those	PRON
fsr-4128	20	7	not	not	PART
fsr-4128	20	8	currently	currently	ADV
fsr-4128	20	9	advised	advise	VERB
fsr-4128	20	10	to	to	PART
fsr-4128	20	11	seek	seek	VERB
fsr-4128	20	12	advice	advice	NOUN
fsr-4128	20	13	in	in	ADP
fsr-4128	20	14	the	the	DET
fsr-4128	20	15	future	future	NOUN
fsr-4128	20	16	is	be	AUX
fsr-4128	20	17	strong	strong	ADJ
fsr-4128	20	18	(	(	PUNCT
fsr-4128	20	19	e.g.	e.g.	ADV
fsr-4128	20	20	,	,	PUNCT
fsr-4128	20	21	41	41	NUM
fsr-4128	20	22	%	%	NOUN
fsr-4128	20	23	australia	australia	NOUN
fsr-4128	20	24	;	;	PUNCT
fsr-4128	20	25	25	25	NUM
fsr-4128	20	26	%	%	NOUN
fsr-4128	20	27	us	us	PROPN
fsr-4128	20	28	)	)	PUNCT
fsr-4128	20	29	,	,	PUNCT
fsr-4128	20	30	particularly	particularly	ADV
fsr-4128	20	31	in	in	ADP
fsr-4128	20	32	younger	young	ADJ
fsr-4128	20	33	age	age	NOUN
fsr-4128	20	34	groups	group	NOUN
fsr-4128	20	35	(	(	PUNCT
fsr-4128	20	36	asic	asic	NOUN
fsr-4128	20	37	,	,	PUNCT
fsr-4128	20	38	2019	2019	NUM
fsr-4128	20	39	;	;	PUNCT
fsr-4128	20	40	cfp	cfp	PROPN
fsr-4128	20	41	board	board	NOUN
fsr-4128	20	42	,	,	PUNCT
fsr-4128	20	43	2023	2023	NUM
fsr-4128	20	44	)	)	PUNCT
fsr-4128	20	45	.	.	PUNCT
fsr-4128	21	1	however	however	ADV
fsr-4128	21	2	,	,	PUNCT
fsr-4128	21	3	a	a	DET
fsr-4128	21	4	multitude	multitude	NOUN
fsr-4128	21	5	of	of	ADP
fsr-4128	21	6	barriers	barrier	NOUN
fsr-4128	21	7	are	be	AUX
fsr-4128	21	8	cited	cite	VERB
fsr-4128	21	9	for	for	ADP
fsr-4128	21	10	not	not	PART
fsr-4128	21	11	proceeding	proceed	VERB
fsr-4128	21	12	with	with	ADP
fsr-4128	21	13	advice	advice	NOUN
fsr-4128	21	14	,	,	PUNCT
fsr-4128	21	15	including	include	VERB
fsr-4128	21	16	cost	cost	NOUN
fsr-4128	21	17	of	of	ADP
fsr-4128	21	18	advice	advice	NOUN
fsr-4128	21	19	,	,	PUNCT
fsr-4128	21	20	not	not	PART
fsr-4128	21	21	getting	get	VERB
fsr-4128	21	22	around	around	ADV
fsr-4128	21	23	to	to	ADP
fsr-4128	21	24	it	it	PRON
fsr-4128	21	25	,	,	PUNCT
fsr-4128	21	26	size	size	NOUN
fsr-4128	21	27	of	of	ADP
fsr-4128	21	28	financial	financial	ADJ
fsr-4128	21	29	position	position	NOUN
fsr-4128	21	30	not	not	PART
fsr-4128	21	31	worth	worth	ADJ
fsr-4128	21	32	getting	get	VERB
fsr-4128	21	33	advice	advice	NOUN
fsr-4128	21	34	,	,	PUNCT
fsr-4128	21	35	wanting	want	VERB
fsr-4128	21	36	to	to	PART
fsr-4128	21	37	control	control	VERB
fsr-4128	21	38	own	own	ADJ
fsr-4128	21	39	finances	finance	NOUN
fsr-4128	21	40	,	,	PUNCT
fsr-4128	21	41	and	and	CCONJ
fsr-4128	21	42	anxiety	anxiety	NOUN
fsr-4128	21	43	about	about	ADP
fsr-4128	21	44	seeking	seek	VERB
fsr-4128	21	45	help	help	NOUN
fsr-4128	21	46	from	from	ADP
fsr-4128	21	47	and	and	CCONJ
fsr-4128	21	48	lack	lack	NOUN
fsr-4128	21	49	of	of	ADP
fsr-4128	21	50	trust	trust	NOUN
fsr-4128	21	51	in	in	ADP
fsr-4128	21	52	financial	financial	ADJ
fsr-4128	21	53	advisors	advisor	NOUN
fsr-4128	21	54	(	(	PUNCT
fsr-4128	21	55	asic	asic	NOUN
fsr-4128	21	56	,	,	PUNCT
fsr-4128	21	57	2019	2019	NUM
fsr-4128	21	58	;	;	PUNCT
fsr-4128	21	59	westermann	westermann	PROPN
fsr-4128	21	60	et	et	PROPN
fsr-4128	21	61	al	al	PROPN
fsr-4128	21	62	.	.	PROPN
fsr-4128	21	63	,	,	PUNCT
fsr-4128	21	64	2020	2020	NUM
fsr-4128	21	65	)	)	PUNCT
fsr-4128	21	66	.	.	PUNCT
fsr-4128	22	1	the	the	DET
fsr-4128	22	2	notion	notion	NOUN
fsr-4128	22	3	of	of	ADP
fsr-4128	22	4	experts	expert	NOUN
fsr-4128	22	5	as	as	ADP
fsr-4128	22	6	trusted	trust	VERB
fsr-4128	22	7	professionals	professional	NOUN
fsr-4128	22	8	is	be	AUX
fsr-4128	22	9	common	common	ADJ
fsr-4128	22	10	across	across	ADP
fsr-4128	22	11	many	many	ADJ
fsr-4128	22	12	fields	field	NOUN
fsr-4128	22	13	which	which	PRON
fsr-4128	22	14	feature	feature	VERB
fsr-4128	22	15	the	the	DET
fsr-4128	22	16	provision	provision	NOUN
fsr-4128	22	17	of	of	ADP
fsr-4128	22	18	advice	advice	NOUN
fsr-4128	22	19	and	and	CCONJ
fsr-4128	22	20	client	client	NOUN
fsr-4128	22	21	-	-	PUNCT
fsr-4128	22	22	professional	professional	ADJ
fsr-4128	22	23	relationships	relationship	NOUN
fsr-4128	22	24	.	.	PUNCT
fsr-4128	23	1	although	although	SCONJ
fsr-4128	23	2	financial	financial	ADJ
fsr-4128	23	3	advisors	advisor	NOUN
fsr-4128	23	4	’	'	PUNCT
fsr-4128	23	5	expertise	expertise	NOUN
fsr-4128	23	6	and	and	CCONJ
fsr-4128	23	7	ability	ability	NOUN
fsr-4128	23	8	to	to	PART
fsr-4128	23	9	provide	provide	VERB
fsr-4128	23	10	access	access	NOUN
fsr-4128	23	11	to	to	ADP
fsr-4128	23	12	knowledge	knowledge	NOUN
fsr-4128	23	13	and	and	CCONJ
fsr-4128	23	14	products	product	NOUN
fsr-4128	23	15	that	that	PRON
fsr-4128	23	16	clients	client	NOUN
fsr-4128	23	17	do	do	AUX
fsr-4128	23	18	not	not	PART
fsr-4128	23	19	have	have	VERB
fsr-4128	23	20	access	access	NOUN
fsr-4128	23	21	to	to	ADP
fsr-4128	23	22	is	be	AUX
fsr-4128	23	23	a	a	DET
fsr-4128	23	24	core	core	NOUN
fsr-4128	23	25	reason	reason	NOUN
fsr-4128	23	26	for	for	ADP
fsr-4128	23	27	seeking	seek	VERB
fsr-4128	23	28	financial	financial	ADJ
fsr-4128	23	29	advice	advice	NOUN
fsr-4128	23	30	,	,	PUNCT
fsr-4128	23	31	there	there	PRON
fsr-4128	23	32	is	be	VERB
fsr-4128	23	33	a	a	DET
fsr-4128	23	34	lack	lack	NOUN
fsr-4128	23	35	of	of	ADP
fsr-4128	23	36	confidence	confidence	NOUN
fsr-4128	23	37	in	in	ADP
fsr-4128	23	38	positive	positive	ADJ
fsr-4128	23	39	long	long	ADJ
fsr-4128	23	40	-	-	PUNCT
fsr-4128	23	41	run	run	VERB
fsr-4128	23	42	outcomes	outcome	NOUN
fsr-4128	23	43	from	from	ADP
fsr-4128	23	44	advice	advice	NOUN
fsr-4128	23	45	and	and	CCONJ
fsr-4128	23	46	trust	trust	NOUN
fsr-4128	23	47	in	in	ADP
fsr-4128	23	48	advisors	advisor	NOUN
fsr-4128	23	49	(	(	PUNCT
fsr-4128	23	50	asic	asic	NOUN
fsr-4128	23	51	,	,	PUNCT
fsr-4128	23	52	2019	2019	NUM
fsr-4128	23	53	)	)	PUNCT
fsr-4128	23	54	.	.	PUNCT
fsr-4128	24	1	in	in	ADP
fsr-4128	24	2	addition	addition	NOUN
fsr-4128	24	3	to	to	ADP
fsr-4128	24	4	a	a	DET
fsr-4128	24	5	mass	mass	ADJ
fsr-4128	24	6	exodus	exodus	NOUN
fsr-4128	24	7	of	of	ADP
fsr-4128	24	8	financial	financial	ADJ
fsr-4128	24	9	advisors	advisor	NOUN
fsr-4128	24	10	in	in	ADP
fsr-4128	24	11	some	some	DET
fsr-4128	24	12	jurisdictions	jurisdiction	NOUN
fsr-4128	24	13	due	due	ADP
fsr-4128	24	14	to	to	ADP
fsr-4128	24	15	regulatory	regulatory	ADJ
fsr-4128	24	16	changes	change	NOUN
fsr-4128	24	17	(	(	PUNCT
fsr-4128	24	18	including	include	VERB
fsr-4128	24	19	increased	increase	VERB
fsr-4128	24	20	education	education	NOUN
fsr-4128	24	21	requirements	requirement	NOUN
fsr-4128	24	22	)	)	PUNCT
fsr-4128	24	23	,	,	PUNCT
fsr-4128	24	24	service	service	NOUN
fsr-4128	24	25	costs	cost	NOUN
fsr-4128	24	26	have	have	AUX
fsr-4128	24	27	increased	increase	VERB
fsr-4128	24	28	significantly	significantly	ADV
fsr-4128	24	29	(	(	PUNCT
fsr-4128	24	30	40	40	NUM
fsr-4128	24	31	%	%	NOUN
fsr-4128	24	32	overall	overall	ADJ
fsr-4128	24	33	in	in	ADP
fsr-4128	24	34	australia	australia	PROPN
fsr-4128	24	35	2019	2019	NUM
fsr-4128	24	36	-	-	SYM
fsr-4128	24	37	2021	2021	NUM
fsr-4128	24	38	;	;	PUNCT
fsr-4128	24	39	12%-25	12%-25	NUM
fsr-4128	24	40	%	%	NOUN
fsr-4128	24	41	depending	depend	VERB
fsr-4128	24	42	on	on	ADP
fsr-4128	24	43	fee	fee	NOUN
fsr-4128	24	44	type	type	NOUN
fsr-4128	24	45	in	in	ADP
fsr-4128	24	46	us	we	PRON
fsr-4128	24	47	)	)	PUNCT
fsr-4128	24	48	(	(	PUNCT
fsr-4128	24	49	adviser	adviser	NOUN
fsr-4128	24	50	ratings	rating	NOUN
fsr-4128	24	51	,	,	PUNCT
fsr-4128	24	52	2019	2019	NUM
fsr-4128	24	53	;	;	PUNCT
fsr-4128	24	54	tharp	tharp	NOUN
fsr-4128	24	55	,	,	PUNCT
fsr-4128	24	56	2021	2021	NUM
fsr-4128	24	57	)	)	PUNCT
fsr-4128	24	58	and	and	CCONJ
fsr-4128	24	59	are	be	AUX
fsr-4128	24	60	the	the	DET
fsr-4128	24	61	major	major	ADJ
fsr-4128	24	62	barrier	barrier	NOUN
fsr-4128	24	63	to	to	ADP
fsr-4128	24	64	advice	advice	NOUN
fsr-4128	24	65	(	(	PUNCT
fsr-4128	24	66	adviser	adviser	NOUN
fsr-4128	24	67	ratings	rating	NOUN
fsr-4128	24	68	,	,	PUNCT
fsr-4128	24	69	2022	2022	NUM
fsr-4128	24	70	;	;	PUNCT
fsr-4128	24	71	asic	asic	NOUN
fsr-4128	24	72	,	,	PUNCT
fsr-4128	24	73	2019	2019	NUM
fsr-4128	24	74	)	)	PUNCT
fsr-4128	24	75	.	.	PUNCT
fsr-4128	25	1	however	however	ADV
fsr-4128	25	2	,	,	PUNCT
fsr-4128	25	3	attempting	attempt	VERB
fsr-4128	25	4	to	to	PART
fsr-4128	25	5	reduce	reduce	VERB
fsr-4128	25	6	costs	cost	NOUN
fsr-4128	25	7	alone	alone	ADJ
fsr-4128	25	8	to	to	PART
fsr-4128	25	9	address	address	VERB
fsr-4128	25	10	the	the	DET
fsr-4128	25	11	affordability	affordability	NOUN
fsr-4128	25	12	and	and	CCONJ
fsr-4128	25	13	accessibility	accessibility	NOUN
fsr-4128	25	14	of	of	ADP
fsr-4128	25	15	advice	advice	NOUN
fsr-4128	25	16	is	be	AUX
fsr-4128	25	17	arguably	arguably	ADV
fsr-4128	25	18	futile	futile	ADJ
fsr-4128	25	19	.	.	PUNCT
fsr-4128	26	1	cost	cost	NOUN
fsr-4128	26	2	and	and	CCONJ
fsr-4128	26	3	trust	trust	NOUN
fsr-4128	26	4	are	be	AUX
fsr-4128	26	5	among	among	ADP
fsr-4128	26	6	the	the	DET
fsr-4128	26	7	constructs	construct	NOUN
fsr-4128	26	8	intrinsically	intrinsically	ADV
fsr-4128	26	9	linked	link	VERB
fsr-4128	26	10	to	to	ADP
fsr-4128	26	11	value	value	NOUN
fsr-4128	26	12	.	.	PUNCT
fsr-4128	27	1	a	a	DET
fsr-4128	27	2	client	client	NOUN
fsr-4128	27	3	will	will	AUX
fsr-4128	27	4	not	not	PART
fsr-4128	27	5	be	be	AUX
fsr-4128	27	6	willing	willing	ADJ
fsr-4128	27	7	to	to	PART
fsr-4128	27	8	pay	pay	VERB
fsr-4128	27	9	even	even	ADV
fsr-4128	27	10	a	a	DET
fsr-4128	27	11	lower	low	ADJ
fsr-4128	27	12	fee	fee	NOUN
fsr-4128	27	13	for	for	ADP
fsr-4128	27	14	financial	financial	ADJ
fsr-4128	27	15	advice	advice	NOUN
fsr-4128	27	16	if	if	SCONJ
fsr-4128	27	17	the	the	DET
fsr-4128	27	18	outcomes	outcome	NOUN
fsr-4128	27	19	are	be	AUX
fsr-4128	27	20	not	not	PART
fsr-4128	27	21	expected	expect	VERB
fsr-4128	27	22	to	to	PART
fsr-4128	27	23	be	be	AUX
fsr-4128	27	24	positive	positive	ADJ
fsr-4128	27	25	.	.	PUNCT
fsr-4128	28	1	confidence	confidence	NOUN
fsr-4128	28	2	in	in	ADP
fsr-4128	28	3	positive	positive	ADJ
fsr-4128	28	4	outcomes	outcome	NOUN
fsr-4128	28	5	is	be	AUX
fsr-4128	28	6	associated	associate	VERB
fsr-4128	28	7	with	with	ADP
fsr-4128	28	8	the	the	DET
fsr-4128	28	9	quality	quality	NOUN
fsr-4128	28	10	of	of	ADP
fsr-4128	28	11	advice	advice	NOUN
fsr-4128	28	12	and	and	CCONJ
fsr-4128	28	13	relational	relational	ADJ
fsr-4128	28	14	aspects	aspect	NOUN
fsr-4128	28	15	of	of	ADP
fsr-4128	28	16	financial	financial	ADJ
fsr-4128	28	17	advice	advice	NOUN
fsr-4128	28	18	,	,	PUNCT
fsr-4128	28	19	such	such	ADJ
fsr-4128	28	20	as	as	ADP
fsr-4128	28	21	trust	trust	NOUN
fsr-4128	28	22	in	in	ADP
fsr-4128	28	23	the	the	DET
fsr-4128	28	24	financial	financial	ADJ
fsr-4128	28	25	advisor	advisor	NOUN
fsr-4128	28	26	,	,	PUNCT
fsr-4128	28	27	which	which	PRON
fsr-4128	28	28	are	be	AUX
fsr-4128	28	29	built	build	VERB
fsr-4128	28	30	over	over	ADP
fsr-4128	28	31	time	time	NOUN
fsr-4128	28	32	.	.	PUNCT
fsr-4128	29	1	critically	critically	ADV
fsr-4128	29	2	,	,	PUNCT
fsr-4128	29	3	when	when	SCONJ
fsr-4128	29	4	asked	ask	VERB
fsr-4128	29	5	directly	directly	ADV
fsr-4128	29	6	about	about	ADP
fsr-4128	29	7	value	value	NOUN
fsr-4128	29	8	,	,	PUNCT
fsr-4128	29	9	18	18	NUM
fsr-4128	29	10	%	%	NOUN
fsr-4128	29	11	of	of	ADP
fsr-4128	29	12	australians	australian	NOUN
fsr-4128	29	13	surveyed	survey	VERB
fsr-4128	29	14	did	do	AUX
fsr-4128	29	15	not	not	PART
fsr-4128	29	16	see	see	VERB
fsr-4128	29	17	value	value	NOUN
fsr-4128	29	18	in	in	ADP
fsr-4128	29	19	consulting	consult	VERB
fsr-4128	29	20	a	a	DET
fsr-4128	29	21	financial	financial	ADJ
fsr-4128	29	22	advisor	advisor	NOUN
fsr-4128	29	23	(	(	PUNCT
fsr-4128	29	24	asic	asic	NOUN
fsr-4128	29	25	,	,	PUNCT
fsr-4128	29	26	2019	2019	NUM
fsr-4128	29	27	)	)	PUNCT
fsr-4128	29	28	.	.	PUNCT
fsr-4128	30	1	thus	thus	ADV
fsr-4128	30	2	,	,	PUNCT
fsr-4128	30	3	even	even	ADV
fsr-4128	30	4	addressing	address	VERB
fsr-4128	30	5	quality	quality	NOUN
fsr-4128	30	6	of	of	ADP
fsr-4128	30	7	advice	advice	NOUN
fsr-4128	30	8	concerns	concern	NOUN
fsr-4128	30	9	or	or	CCONJ
fsr-4128	30	10	the	the	DET
fsr-4128	30	11	pervasive	pervasive	ADJ
fsr-4128	30	12	distrust	distrust	NOUN
fsr-4128	30	13	of	of	ADP
fsr-4128	30	14	financial	financial	ADJ
fsr-4128	30	15	advisors	advisor	NOUN
fsr-4128	30	16	stemming	stem	VERB
fsr-4128	30	17	from	from	ADP
fsr-4128	30	18	product	product	NOUN
fsr-4128	30	19	and	and	CCONJ
fsr-4128	30	20	advice	advice	NOUN
fsr-4128	30	21	failures	failure	NOUN
fsr-4128	30	22	and	and	CCONJ
fsr-4128	30	23	misconduct	misconduct	NOUN
fsr-4128	30	24	must	must	AUX
fsr-4128	30	25	be	be	AUX
fsr-4128	30	26	accompanied	accompany	VERB
fsr-4128	30	27	by	by	ADP
fsr-4128	30	28	more	more	ADV
fsr-4128	30	29	credible	credible	ADJ
fsr-4128	30	30	information	information	NOUN
fsr-4128	30	31	on	on	ADP
fsr-4128	30	32	the	the	DET
fsr-4128	30	33	outcomes	outcome	NOUN
fsr-4128	30	34	of	of	ADP
fsr-4128	30	35	personal	personal	ADJ
fsr-4128	30	36	professional	professional	ADJ
fsr-4128	30	37	financial	financial	ADJ
fsr-4128	30	38	advice	advice	NOUN
fsr-4128	30	39	(	(	PUNCT
fsr-4128	30	40	macdonald	macdonald	PROPN
fsr-4128	30	41	et	et	PROPN
fsr-4128	30	42	al	al	PROPN
fsr-4128	30	43	.	.	PROPN
fsr-4128	30	44	,	,	PUNCT
fsr-4128	30	45	2023	2023	NUM
fsr-4128	30	46	)	)	PUNCT
fsr-4128	30	47	.	.	PUNCT
fsr-4128	31	1	while	while	SCONJ
fsr-4128	31	2	considerable	considerable	ADJ
fsr-4128	31	3	research	research	NOUN
fsr-4128	31	4	has	have	AUX
fsr-4128	31	5	been	be	AUX
fsr-4128	31	6	produced	produce	VERB
fsr-4128	31	7	on	on	ADP
fsr-4128	31	8	the	the	DET
fsr-4128	31	9	value	value	NOUN
fsr-4128	31	10	of	of	ADP
fsr-4128	31	11	financial	financial	ADJ
fsr-4128	31	12	advice	advice	NOUN
fsr-4128	31	13	,	,	PUNCT
fsr-4128	31	14	a	a	DET
fsr-4128	31	15	synthesis	synthesis	NOUN
fsr-4128	31	16	of	of	ADP
fsr-4128	31	17	scholarship	scholarship	NOUN
fsr-4128	31	18	is	be	AUX
fsr-4128	31	19	surprisingly	surprisingly	ADV
fsr-4128	31	20	absent	absent	ADJ
fsr-4128	31	21	.	.	PUNCT
fsr-4128	32	1	a	a	DET
fsr-4128	32	2	scan	scan	NOUN
fsr-4128	32	3	of	of	ADP
fsr-4128	32	4	the	the	DET
fsr-4128	32	5	literature	literature	NOUN
fsr-4128	32	6	reveals	reveal	VERB
fsr-4128	32	7	two	two	NUM
fsr-4128	32	8	articles	article	NOUN
fsr-4128	32	9	that	that	PRON
fsr-4128	32	10	fall	fall	VERB
fsr-4128	32	11	within	within	ADP
fsr-4128	32	12	the	the	DET
fsr-4128	32	13	vicinity	vicinity	NOUN
fsr-4128	32	14	;	;	PUNCT
fsr-4128	32	15	these	these	PRON
fsr-4128	32	16	being	be	AUX
fsr-4128	32	17	a	a	DET
fsr-4128	32	18	systematic	systematic	ADJ
fsr-4128	32	19	quantitative	quantitative	ADJ
fsr-4128	32	20	literature	literature	NOUN
fsr-4128	32	21	review	review	NOUN
fsr-4128	32	22	by	by	ADP
fsr-4128	32	23	macdonald	macdonald	PROPN
fsr-4128	32	24	et	et	PROPN
fsr-4128	32	25	al	al	PROPN
fsr-4128	32	26	.	.	PROPN
fsr-4128	33	1	(	(	PUNCT
fsr-4128	33	2	2023	2023	NUM
fsr-4128	33	3	)	)	PUNCT
fsr-4128	33	4	which	which	PRON
fsr-4128	33	5	quantified	quantify	VERB
fsr-4128	33	6	key	key	ADJ
fsr-4128	33	7	trends	trend	NOUN
fsr-4128	33	8	within	within	ADP
fsr-4128	33	9	the	the	DET
fsr-4128	33	10	literature	literature	NOUN
fsr-4128	33	11	such	such	ADJ
fsr-4128	33	12	as	as	ADP
fsr-4128	33	13	authorship	authorship	NOUN
fsr-4128	33	14	,	,	PUNCT
fsr-4128	33	15	geography	geography	NOUN
fsr-4128	33	16	and	and	CCONJ
fsr-4128	33	17	research	research	NOUN
fsr-4128	33	18	methods	method	NOUN
fsr-4128	33	19	,	,	PUNCT
fsr-4128	33	20	and	and	CCONJ
fsr-4128	33	21	a	a	DET
fsr-4128	33	22	review	review	NOUN
fsr-4128	33	23	by	by	ADP
fsr-4128	33	24	westermann	westermann	PROPN
fsr-4128	33	25	et	et	PROPN
fsr-4128	33	26	al	al	PROPN
fsr-4128	33	27	.	.	PROPN
fsr-4128	34	1	(	(	PUNCT
fsr-4128	34	2	2020	2020	NUM
fsr-4128	34	3	)	)	PUNCT
fsr-4128	34	4	of	of	ADP
fsr-4128	34	5	the	the	DET
fsr-4128	34	6	barriers	barrier	NOUN
fsr-4128	34	7	and	and	CCONJ
fsr-4128	34	8	benefits	benefit	NOUN
fsr-4128	34	9	of	of	ADP
fsr-4128	34	10	financial	financial	ADJ
fsr-4128	34	11	advice	advice	NOUN
fsr-4128	34	12	-	-	PUNCT
fsr-4128	34	13	seeking	seeking	NOUN
fsr-4128	34	14	.	.	PUNCT
fsr-4128	35	1	while	while	SCONJ
fsr-4128	35	2	these	these	DET
fsr-4128	35	3	reviews	review	NOUN
fsr-4128	35	4	usefully	usefully	ADV
fsr-4128	35	5	expand	expand	VERB
fsr-4128	35	6	scholarship	scholarship	NOUN
fsr-4128	35	7	within	within	ADP
fsr-4128	35	8	their	their	PRON
fsr-4128	35	9	methodological	methodological	ADJ
fsr-4128	35	10	and	and	CCONJ
fsr-4128	35	11	research	research	NOUN
fsr-4128	35	12	scopes	scope	NOUN
fsr-4128	35	13	,	,	PUNCT
fsr-4128	35	14	they	they	PRON
fsr-4128	35	15	lack	lack	VERB
fsr-4128	35	16	a	a	DET
fsr-4128	35	17	comprehensive	comprehensive	ADJ
fsr-4128	35	18	descriptive	descriptive	ADJ
fsr-4128	35	19	overview	overview	NOUN
fsr-4128	35	20	of	of	ADP
fsr-4128	35	21	the	the	DET
fsr-4128	35	22	value	value	NOUN
fsr-4128	35	23	of	of	ADP
fsr-4128	35	24	financial	financial	ADJ
fsr-4128	35	25	advice	advice	NOUN
fsr-4128	35	26	in	in	ADP
fsr-4128	35	27	its	its	PRON
fsr-4128	35	28	entirety	entirety	NOUN
fsr-4128	35	29	.	.	PUNCT
fsr-4128	36	1	this	this	DET
fsr-4128	36	2	themes	theme	NOUN
fsr-4128	36	3	-	-	PUNCT
fsr-4128	36	4	based	base	VERB
fsr-4128	36	5	narrative	narrative	NOUN
fsr-4128	36	6	review	review	NOUN
fsr-4128	36	7	fills	fill	VERB
fsr-4128	36	8	this	this	DET
fsr-4128	36	9	gap	gap	NOUN
fsr-4128	36	10	by	by	ADP
fsr-4128	36	11	describing	describe	VERB
fsr-4128	36	12	the	the	DET
fsr-4128	36	13	history	history	NOUN
fsr-4128	36	14	and	and	CCONJ
fsr-4128	36	15	development	development	NOUN
fsr-4128	36	16	of	of	ADP
fsr-4128	36	17	value	value	NOUN
fsr-4128	36	18	of	of	ADP
fsr-4128	36	19	advice	advice	NOUN
fsr-4128	36	20	research	research	NOUN
fsr-4128	36	21	.	.	PUNCT
fsr-4128	37	1	we	we	PRON
fsr-4128	37	2	clarify	clarify	VERB
fsr-4128	37	3	and	and	CCONJ
fsr-4128	37	4	critique	critique	VERB
fsr-4128	37	5	the	the	DET
fsr-4128	37	6	ways	way	NOUN
fsr-4128	37	7	in	in	ADP
fsr-4128	37	8	which	which	PRON
fsr-4128	37	9	value	value	NOUN
fsr-4128	37	10	has	have	AUX
fsr-4128	37	11	been	be	AUX
fsr-4128	37	12	conceptualized	conceptualize	VERB
fsr-4128	37	13	,	,	PUNCT
fsr-4128	37	14	measured	measure	VERB
fsr-4128	37	15	,	,	PUNCT
fsr-4128	37	16	and	and	CCONJ
fsr-4128	37	17	substantiated	substantiate	VERB
fsr-4128	37	18	in	in	ADP
fsr-4128	37	19	the	the	DET
fsr-4128	37	20	realm	realm	NOUN
fsr-4128	37	21	of	of	ADP
fsr-4128	37	22	personal	personal	ADJ
fsr-4128	37	23	professional	professional	ADJ
fsr-4128	37	24	financial	financial	ADJ
fsr-4128	37	25	advice	advice	NOUN
fsr-4128	37	26	.	.	PUNCT
fsr-4128	38	1	in	in	ADP
fsr-4128	38	2	particular	particular	ADJ
fsr-4128	38	3	,	,	PUNCT
fsr-4128	38	4	this	this	DET
fsr-4128	38	5	paper	paper	NOUN
fsr-4128	38	6	strives	strive	VERB
fsr-4128	38	7	to	to	PART
fsr-4128	38	8	answer	answer	VERB
fsr-4128	38	9	these	these	DET
fsr-4128	38	10	research	research	NOUN
fsr-4128	38	11	questions	question	NOUN
fsr-4128	38	12	:	:	PUNCT
fsr-4128	38	13	1	1	X
fsr-4128	38	14	)	)	PUNCT
fsr-4128	38	15	how	how	SCONJ
fsr-4128	38	16	has	have	AUX
fsr-4128	38	17	value	value	NOUN
fsr-4128	38	18	been	be	AUX
fsr-4128	38	19	operationalized	operationalize	VERB
fsr-4128	38	20	in	in	ADP
fsr-4128	38	21	financial	financial	ADJ
fsr-4128	38	22	advice	advice	NOUN
fsr-4128	38	23	research	research	NOUN
fsr-4128	38	24	(	(	PUNCT
fsr-4128	38	25	i.e.	i.e.	X
fsr-4128	38	26	,	,	PUNCT
fsr-4128	38	27	what	what	PRON
fsr-4128	38	28	is	be	AUX
fsr-4128	38	29	‘	'	PUNCT
fsr-4128	38	30	value	value	NOUN
fsr-4128	38	31	’	'	PUNCT
fsr-4128	38	32	)	)	PUNCT
fsr-4128	38	33	?	?	PUNCT
fsr-4128	39	1	2	2	X
fsr-4128	39	2	)	)	PUNCT
fsr-4128	39	3	is	be	AUX
fsr-4128	39	4	value	value	NOUN
fsr-4128	39	5	realized	realize	VERB
fsr-4128	39	6	for	for	ADP
fsr-4128	39	7	clients	client	NOUN
fsr-4128	39	8	(	(	PUNCT
fsr-4128	39	9	i.e.	i.e.	X
fsr-4128	39	10	,	,	PUNCT
fsr-4128	39	11	is	be	AUX
fsr-4128	39	12	the	the	DET
fsr-4128	39	13	advice	advice	NOUN
fsr-4128	39	14	worth	worth	ADJ
fsr-4128	39	15	it	it	PRON
fsr-4128	39	16	)	)	PUNCT
fsr-4128	39	17	?	?	PUNCT
fsr-4128	40	1	3	3	X
fsr-4128	40	2	)	)	PUNCT
fsr-4128	40	3	what	what	PRON
fsr-4128	40	4	recommendations	recommendation	NOUN
fsr-4128	40	5	can	can	AUX
fsr-4128	40	6	be	be	AUX
fsr-4128	40	7	made	make	VERB
fsr-4128	40	8	to	to	PART
fsr-4128	40	9	guide	guide	VERB
fsr-4128	40	10	and	and	CCONJ
fsr-4128	40	11	enhance	enhance	VERB
fsr-4128	40	12	future	future	ADJ
fsr-4128	40	13	research	research	NOUN
fsr-4128	40	14	on	on	ADP
fsr-4128	40	15	the	the	DET
fsr-4128	40	16	value	value	NOUN
fsr-4128	40	17	of	of	ADP
fsr-4128	40	18	financial	financial	ADJ
fsr-4128	40	19	advice	advice	NOUN
fsr-4128	40	20	(	(	PUNCT
fsr-4128	40	21	i.e.	i.e.	X
fsr-4128	40	22	,	,	PUNCT
fsr-4128	40	23	where	where	SCONJ
fsr-4128	40	24	do	do	AUX
fsr-4128	40	25	we	we	PRON
fsr-4128	40	26	go	go	VERB
fsr-4128	40	27	from	from	ADP
fsr-4128	40	28	here	here	ADV
fsr-4128	40	29	)	)	PUNCT
fsr-4128	40	30	?	?	PUNCT
fsr-4128	41	1	overall	overall	ADV
fsr-4128	41	2	,	,	PUNCT
fsr-4128	41	3	we	we	PRON
fsr-4128	41	4	conclude	conclude	VERB
fsr-4128	41	5	that	that	SCONJ
fsr-4128	41	6	the	the	DET
fsr-4128	41	7	literature	literature	NOUN
fsr-4128	41	8	demonstrates	demonstrate	VERB
fsr-4128	41	9	an	an	DET
fsr-4128	41	10	increasing	increase	VERB
fsr-4128	41	11	interdisciplinary	interdisciplinary	ADJ
fsr-4128	41	12	focus	focus	NOUN
fsr-4128	41	13	and	and	CCONJ
fsr-4128	41	14	deepening	deepen	VERB
fsr-4128	41	15	of	of	ADP
fsr-4128	41	16	existing	exist	VERB
fsr-4128	41	17	models	model	NOUN
fsr-4128	41	18	and	and	CCONJ
fsr-4128	41	19	empirical	empirical	ADJ
fsr-4128	41	20	testing	testing	NOUN
fsr-4128	41	21	of	of	ADP
fsr-4128	41	22	elements	element	NOUN
fsr-4128	41	23	of	of	ADP
fsr-4128	41	24	value	value	NOUN
fsr-4128	41	25	.	.	PUNCT
fsr-4128	42	1	however	however	ADV
fsr-4128	42	2	,	,	PUNCT
fsr-4128	42	3	there	there	PRON
fsr-4128	42	4	are	be	VERB
fsr-4128	42	5	still	still	ADV
fsr-4128	42	6	limits	limit	NOUN
fsr-4128	42	7	to	to	ADP
fsr-4128	42	8	the	the	DET
fsr-4128	42	9	benefits	benefit	NOUN
fsr-4128	42	10	that	that	PRON
fsr-4128	42	11	can	can	AUX
fsr-4128	42	12	be	be	AUX
fsr-4128	42	13	gained	gain	VERB
fsr-4128	42	14	from	from	ADP
fsr-4128	42	15	this	this	DET
fsr-4128	42	16	work	work	NOUN
fsr-4128	42	17	with	with	ADP
fsr-4128	42	18	oftentimes	oftentime	NOUN
fsr-4128	42	19	separate	separate	ADJ
fsr-4128	42	20	threads	thread	NOUN
fsr-4128	42	21	of	of	ADP
fsr-4128	42	22	research	research	NOUN
fsr-4128	42	23	emerging	emerge	VERB
fsr-4128	42	24	.	.	PUNCT
fsr-4128	43	1	to	to	PART
fsr-4128	43	2	address	address	VERB
fsr-4128	43	3	these	these	DET
fsr-4128	43	4	limitations	limitation	NOUN
fsr-4128	43	5	,	,	PUNCT
fsr-4128	43	6	we	we	PRON
fsr-4128	43	7	present	present	VERB
fsr-4128	43	8	a	a	DET
fsr-4128	43	9	conceptual	conceptual	ADJ
fsr-4128	43	10	framework	framework	NOUN
fsr-4128	43	11	of	of	ADP
fsr-4128	43	12	the	the	DET
fsr-4128	43	13	value	value	NOUN
fsr-4128	43	14	of	of	ADP
fsr-4128	43	15	financial	financial	ADJ
fsr-4128	43	16	advice	advice	NOUN
fsr-4128	43	17	that	that	PRON
fsr-4128	43	18	pulls	pull	VERB
fsr-4128	43	19	the	the	DET
fsr-4128	43	20	various	various	ADJ
fsr-4128	43	21	research	research	NOUN
fsr-4128	43	22	threads	thread	NOUN
fsr-4128	43	23	together	together	ADV
fsr-4128	43	24	into	into	ADP
fsr-4128	43	25	one	one	NUM
fsr-4128	43	26	cohesive	cohesive	ADJ
fsr-4128	43	27	model	model	NOUN
fsr-4128	43	28	.	.	PUNCT
fsr-4128	44	1	the	the	DET
fsr-4128	44	2	framework	framework	NOUN
fsr-4128	44	3	seeks	seek	VERB
fsr-4128	44	4	to	to	PART
fsr-4128	44	5	increase	increase	VERB
fsr-4128	44	6	clarity	clarity	NOUN
fsr-4128	44	7	and	and	CCONJ
fsr-4128	44	8	understanding	understanding	NOUN
fsr-4128	44	9	about	about	ADP
fsr-4128	44	10	the	the	DET
fsr-4128	44	11	biopsychosocial	biopsychosocial	ADJ
fsr-4128	44	12	and	and	CCONJ
fsr-4128	44	13	economic	economic	ADJ
fsr-4128	44	14	benefits	benefit	NOUN
fsr-4128	44	15	for	for	ADP
fsr-4128	44	16	consumers	consumer	NOUN
fsr-4128	44	17	and	and	CCONJ
fsr-4128	44	18	other	other	ADJ
fsr-4128	44	19	stakeholders	stakeholder	NOUN
fsr-4128	44	20	of	of	ADP
fsr-4128	44	21	financial	financial	ADJ
fsr-4128	44	22	advice	advice	NOUN
fsr-4128	44	23	.	.	PUNCT
fsr-4128	45	1	in	in	ADP
fsr-4128	45	2	so	so	ADV
fsr-4128	45	3	doing	do	VERB
fsr-4128	45	4	,	,	PUNCT
fsr-4128	45	5	it	it	PRON
fsr-4128	45	6	provides	provide	VERB
fsr-4128	45	7	a	a	DET
fsr-4128	45	8	platform	platform	NOUN
fsr-4128	45	9	for	for	SCONJ
fsr-4128	45	10	researchers	researcher	NOUN
fsr-4128	45	11	to	to	PART
fsr-4128	45	12	explore	explore	VERB
fsr-4128	45	13	the	the	DET
fsr-4128	45	14	holistic	holistic	ADJ
fsr-4128	45	15	impact	impact	NOUN
fsr-4128	45	16	of	of	ADP
fsr-4128	45	17	financial	financial	ADJ
fsr-4128	45	18	advice	advice	NOUN
fsr-4128	45	19	on	on	ADP
fsr-4128	45	20	consumers	consumer	NOUN
fsr-4128	45	21	and	and	CCONJ
fsr-4128	45	22	households	household	NOUN
fsr-4128	45	23	and	and	CCONJ
fsr-4128	45	24	demonstrate	demonstrate	VERB
fsr-4128	45	25	the	the	DET
fsr-4128	45	26	value	value	NOUN
fsr-4128	45	27	this	this	PRON
fsr-4128	45	28	creates	create	VERB
fsr-4128	45	29	over	over	ADP
fsr-4128	45	30	time	time	NOUN
fsr-4128	45	31	.	.	PUNCT
fsr-4128	46	1	such	such	ADJ
fsr-4128	46	2	work	work	NOUN
fsr-4128	46	3	would	would	AUX
fsr-4128	46	4	financial	financial	ADJ
fsr-4128	46	5	services	service	NOUN
fsr-4128	46	6	review	review	NOUN
fsr-4128	46	7	,	,	PUNCT
fsr-4128	46	8	33(4	33(4	NUM
fsr-4128	46	9	)	)	PUNCT
fsr-4128	46	10	136	136	NUM
fsr-4128	46	11	be	be	AUX
fsr-4128	46	12	of	of	ADP
fsr-4128	46	13	interest	interest	NOUN
fsr-4128	46	14	to	to	ADP
fsr-4128	46	15	practitioners	practitioner	NOUN
fsr-4128	46	16	,	,	PUNCT
fsr-4128	46	17	business	business	NOUN
fsr-4128	46	18	owners	owner	NOUN
fsr-4128	46	19	,	,	PUNCT
fsr-4128	46	20	policy	policy	NOUN
fsr-4128	46	21	makers	maker	NOUN
fsr-4128	46	22	and	and	CCONJ
fsr-4128	46	23	the	the	DET
fsr-4128	46	24	research	research	NOUN
fsr-4128	46	25	community	community	NOUN
fsr-4128	46	26	,	,	PUNCT
fsr-4128	46	27	and	and	CCONJ
fsr-4128	46	28	be	be	AUX
fsr-4128	46	29	impactful	impactful	ADJ
fsr-4128	46	30	in	in	ADP
fsr-4128	46	31	terms	term	NOUN
fsr-4128	46	32	of	of	ADP
fsr-4128	46	33	contributing	contribute	VERB
fsr-4128	46	34	to	to	ADP
fsr-4128	46	35	the	the	DET
fsr-4128	46	36	development	development	NOUN
fsr-4128	46	37	of	of	ADP
fsr-4128	46	38	a	a	DET
fsr-4128	46	39	trustworthy	trustworthy	ADJ
fsr-4128	46	40	profession	profession	NOUN
fsr-4128	46	41	to	to	ADP
fsr-4128	46	42	the	the	DET
fsr-4128	46	43	benefit	benefit	NOUN
fsr-4128	46	44	of	of	ADP
fsr-4128	46	45	all	all	PRON
fsr-4128	46	46	.	.	PUNCT
fsr-4128	47	1	the	the	DET
fsr-4128	47	2	remainder	remainder	NOUN
fsr-4128	47	3	of	of	ADP
fsr-4128	47	4	this	this	DET
fsr-4128	47	5	paper	paper	NOUN
fsr-4128	47	6	is	be	AUX
fsr-4128	47	7	organized	organize	VERB
fsr-4128	47	8	as	as	SCONJ
fsr-4128	47	9	follows	follow	VERB
fsr-4128	47	10	.	.	PUNCT
fsr-4128	48	1	the	the	DET
fsr-4128	48	2	next	next	ADJ
fsr-4128	48	3	section	section	NOUN
fsr-4128	48	4	outlines	outline	VERB
fsr-4128	48	5	the	the	DET
fsr-4128	48	6	review	review	NOUN
fsr-4128	48	7	methodology	methodology	NOUN
fsr-4128	48	8	followed	follow	VERB
fsr-4128	48	9	by	by	ADP
fsr-4128	48	10	the	the	DET
fsr-4128	48	11	results	result	NOUN
fsr-4128	48	12	structured	structure	VERB
fsr-4128	48	13	by	by	ADP
fsr-4128	48	14	four	four	NUM
fsr-4128	48	15	key	key	ADJ
fsr-4128	48	16	themes	theme	NOUN
fsr-4128	48	17	and	and	CCONJ
fsr-4128	48	18	culminating	culminate	VERB
fsr-4128	48	19	in	in	ADP
fsr-4128	48	20	a	a	DET
fsr-4128	48	21	holistic	holistic	ADJ
fsr-4128	48	22	value	value	NOUN
fsr-4128	48	23	of	of	ADP
fsr-4128	48	24	advice	advice	NOUN
fsr-4128	48	25	framework	framework	NOUN
fsr-4128	48	26	.	.	PUNCT
fsr-4128	49	1	the	the	DET
fsr-4128	49	2	last	last	ADJ
fsr-4128	49	3	section	section	NOUN
fsr-4128	49	4	concludes	conclude	VERB
fsr-4128	49	5	the	the	DET
fsr-4128	49	6	paper	paper	NOUN
fsr-4128	49	7	incorporating	incorporate	VERB
fsr-4128	49	8	challenges	challenge	NOUN
fsr-4128	49	9	,	,	PUNCT
fsr-4128	49	10	limitations	limitation	NOUN
fsr-4128	49	11	,	,	PUNCT
fsr-4128	49	12	and	and	CCONJ
fsr-4128	49	13	future	future	ADJ
fsr-4128	49	14	research	research	NOUN
fsr-4128	49	15	directions	direction	NOUN
fsr-4128	49	16	.	.	PUNCT
fsr-4128	50	1	methodology	methodology	NOUN
fsr-4128	50	2	a	a	DET
fsr-4128	50	3	narrative	narrative	NOUN
fsr-4128	50	4	review	review	NOUN
fsr-4128	50	5	is	be	AUX
fsr-4128	50	6	the	the	DET
fsr-4128	50	7	chosen	choose	VERB
fsr-4128	50	8	method	method	NOUN
fsr-4128	50	9	for	for	ADP
fsr-4128	50	10	this	this	DET
fsr-4128	50	11	literature	literature	NOUN
fsr-4128	50	12	review	review	NOUN
fsr-4128	50	13	.	.	PUNCT
fsr-4128	51	1	in	in	ADP
fsr-4128	51	2	contrast	contrast	NOUN
fsr-4128	51	3	to	to	ADP
fsr-4128	51	4	a	a	DET
fsr-4128	51	5	systematic	systematic	ADJ
fsr-4128	51	6	review	review	NOUN
fsr-4128	51	7	which	which	PRON
fsr-4128	51	8	uses	use	VERB
fsr-4128	51	9	precise	precise	ADJ
fsr-4128	51	10	parameters	parameter	NOUN
fsr-4128	51	11	and	and	CCONJ
fsr-4128	51	12	inclusion	inclusion	NOUN
fsr-4128	51	13	and	and	CCONJ
fsr-4128	51	14	exclusion	exclusion	NOUN
fsr-4128	51	15	criteria	criterion	NOUN
fsr-4128	51	16	to	to	PART
fsr-4128	51	17	systematically	systematically	ADV
fsr-4128	51	18	document	document	VERB
fsr-4128	51	19	key	key	ADJ
fsr-4128	51	20	metrics	metric	NOUN
fsr-4128	51	21	within	within	ADP
fsr-4128	51	22	the	the	DET
fsr-4128	51	23	literature	literature	NOUN
fsr-4128	51	24	,	,	PUNCT
fsr-4128	51	25	a	a	DET
fsr-4128	51	26	narrative	narrative	NOUN
fsr-4128	51	27	review	review	NOUN
fsr-4128	51	28	allows	allow	VERB
fsr-4128	51	29	for	for	ADP
fsr-4128	51	30	more	more	ADJ
fsr-4128	51	31	flexibility	flexibility	NOUN
fsr-4128	51	32	and	and	CCONJ
fsr-4128	51	33	nuance	nuance	NOUN
fsr-4128	51	34	(	(	PUNCT
fsr-4128	51	35	bourhis	bourhis	NOUN
fsr-4128	51	36	,	,	PUNCT
fsr-4128	51	37	2017	2017	NUM
fsr-4128	51	38	)	)	PUNCT
fsr-4128	51	39	.	.	PUNCT
fsr-4128	52	1	peerreviewed	peerreviewe	VERB
fsr-4128	52	2	and	and	CCONJ
fsr-4128	52	3	selected	select	VERB
fsr-4128	52	4	high	high	ADJ
fsr-4128	52	5	-	-	PUNCT
fsr-4128	52	6	quality	quality	NOUN
fsr-4128	52	7	grey	grey	NOUN
fsr-4128	52	8	literature	literature	NOUN
fsr-4128	52	9	(	(	PUNCT
fsr-4128	52	10	i.e.	i.e.	X
fsr-4128	52	11	,	,	PUNCT
fsr-4128	52	12	government	government	NOUN
fsr-4128	52	13	articles	article	NOUN
fsr-4128	52	14	,	,	PUNCT
fsr-4128	52	15	phd	phd	NOUN
fsr-4128	52	16	theses	theses	PROPN
fsr-4128	52	17	,	,	PUNCT
fsr-4128	52	18	conference	conference	NOUN
fsr-4128	52	19	,	,	PUNCT
fsr-4128	52	20	and	and	CCONJ
fsr-4128	52	21	industry	industry	NOUN
fsr-4128	52	22	papers	paper	NOUN
fsr-4128	52	23	)	)	PUNCT
fsr-4128	52	24	were	be	AUX
fsr-4128	52	25	sourced	source	VERB
fsr-4128	52	26	from	from	ADP
fsr-4128	52	27	multiple	multiple	ADJ
fsr-4128	52	28	disciplines	discipline	NOUN
fsr-4128	52	29	(	(	PUNCT
fsr-4128	52	30	e.g.	e.g.	ADV
fsr-4128	52	31	,	,	PUNCT
fsr-4128	52	32	financial	financial	ADJ
fsr-4128	52	33	,	,	PUNCT
fsr-4128	52	34	psychological	psychological	ADJ
fsr-4128	52	35	,	,	PUNCT
fsr-4128	52	36	sociological	sociological	ADJ
fsr-4128	52	37	)	)	PUNCT
fsr-4128	52	38	in	in	ADP
fsr-4128	52	39	three	three	NUM
fsr-4128	52	40	databases	database	NOUN
fsr-4128	52	41	:	:	PUNCT
fsr-4128	52	42	web	web	NOUN
fsr-4128	52	43	of	of	ADP
fsr-4128	52	44	science	science	NOUN
fsr-4128	52	45	,	,	PUNCT
fsr-4128	52	46	scopus	scopus	PROPN
fsr-4128	52	47	,	,	PUNCT
fsr-4128	52	48	and	and	CCONJ
fsr-4128	52	49	google	google	PROPN
fsr-4128	52	50	scholar	scholar	NOUN
fsr-4128	52	51	.	.	PUNCT
fsr-4128	53	1	title	title	NOUN
fsr-4128	53	2	,	,	PUNCT
fsr-4128	53	3	abstract	abstract	ADJ
fsr-4128	53	4	and	and	CCONJ
fsr-4128	53	5	keyword	keyword	NOUN
fsr-4128	53	6	searches	search	NOUN
fsr-4128	53	7	were	be	AUX
fsr-4128	53	8	performed	perform	VERB
fsr-4128	53	9	using	use	VERB
fsr-4128	53	10	the	the	DET
fsr-4128	53	11	following	follow	VERB
fsr-4128	53	12	search	search	NOUN
fsr-4128	53	13	terms	term	NOUN
fsr-4128	53	14	or	or	CCONJ
fsr-4128	53	15	their	their	PRON
fsr-4128	53	16	boolean	boolean	ADJ
fsr-4128	53	17	counterparts	counterpart	NOUN
fsr-4128	53	18	:	:	PUNCT
fsr-4128	53	19	value	value	NOUN
fsr-4128	53	20	,	,	PUNCT
fsr-4128	53	21	financial	financial	ADJ
fsr-4128	53	22	and	and	CCONJ
fsr-4128	53	23	advice	advice	NOUN
fsr-4128	53	24	or	or	CCONJ
fsr-4128	53	25	:	:	PUNCT
fsr-4128	53	26	1	1	X
fsr-4128	53	27	.	.	X
fsr-4128	53	28	financial	financial	ADJ
fsr-4128	53	29	advice	advice	NOUN
fsr-4128	53	30	terms	term	NOUN
fsr-4128	53	31	such	such	ADJ
fsr-4128	53	32	as	as	ADP
fsr-4128	53	33	:	:	PUNCT
fsr-4128	53	34	help	help	NOUN
fsr-4128	53	35	-	-	PUNCT
fsr-4128	53	36	seeking	seeking	NOUN
fsr-4128	53	37	,	,	PUNCT
fsr-4128	53	38	plan	plan	NOUN
fsr-4128	53	39	,	,	PUNCT
fsr-4128	53	40	expert	expert	NOUN
fsr-4128	53	41	;	;	PUNCT
fsr-4128	53	42	2	2	X
fsr-4128	53	43	.	.	X
fsr-4128	53	44	personal	personal	ADJ
fsr-4128	53	45	finance	finance	NOUN
fsr-4128	53	46	terms	term	NOUN
fsr-4128	53	47	such	such	ADJ
fsr-4128	53	48	as	as	ADP
fsr-4128	53	49	:	:	PUNCT
fsr-4128	53	50	capability	capability	NOUN
fsr-4128	53	51	,	,	PUNCT
fsr-4128	53	52	inclusion	inclusion	NOUN
fsr-4128	53	53	,	,	PUNCT
fsr-4128	53	54	literacy	literacy	NOUN
fsr-4128	53	55	,	,	PUNCT
fsr-4128	53	56	behavior	behavior	NOUN
fsr-4128	53	57	;	;	PUNCT
fsr-4128	53	58	and	and	CCONJ
fsr-4128	53	59	3	3	X
fsr-4128	53	60	.	.	X
fsr-4128	53	61	wellbeing	wellbee	VERB
fsr-4128	53	62	terms	term	NOUN
fsr-4128	53	63	such	such	ADJ
fsr-4128	53	64	as	as	ADP
fsr-4128	53	65	:	:	PUNCT
fsr-4128	53	66	difficult	difficult	ADJ
fsr-4128	53	67	,	,	PUNCT
fsr-4128	53	68	debt	debt	NOUN
fsr-4128	53	69	,	,	PUNCT
fsr-4128	53	70	wellbeing	wellbeing	NOUN
fsr-4128	53	71	,	,	PUNCT
fsr-4128	53	72	anxiety	anxiety	NOUN
fsr-4128	53	73	,	,	PUNCT
fsr-4128	53	74	peace	peace	NOUN
fsr-4128	53	75	of	of	ADP
fsr-4128	53	76	mind	mind	NOUN
fsr-4128	53	77	.	.	PUNCT
fsr-4128	54	1	a	a	DET
fsr-4128	54	2	wide	wide	ADJ
fsr-4128	54	3	range	range	NOUN
fsr-4128	54	4	of	of	ADP
fsr-4128	54	5	search	search	NOUN
fsr-4128	54	6	terms	term	NOUN
fsr-4128	54	7	were	be	AUX
fsr-4128	54	8	purposefully	purposefully	ADV
fsr-4128	54	9	used	use	VERB
fsr-4128	54	10	to	to	PART
fsr-4128	54	11	capture	capture	VERB
fsr-4128	54	12	a	a	DET
fsr-4128	54	13	comprehensive	comprehensive	ADJ
fsr-4128	54	14	portrayal	portrayal	NOUN
fsr-4128	54	15	of	of	ADP
fsr-4128	54	16	the	the	DET
fsr-4128	54	17	value	value	NOUN
fsr-4128	54	18	of	of	ADP
fsr-4128	54	19	advice	advice	NOUN
fsr-4128	54	20	.	.	PUNCT
fsr-4128	55	1	searches	search	NOUN
fsr-4128	55	2	were	be	AUX
fsr-4128	55	3	conducted	conduct	VERB
fsr-4128	55	4	of	of	ADP
fsr-4128	55	5	articles	article	NOUN
fsr-4128	55	6	written	write	VERB
fsr-4128	55	7	in	in	ADP
fsr-4128	55	8	english	english	PROPN
fsr-4128	55	9	from	from	ADP
fsr-4128	55	10	any	any	DET
fsr-4128	55	11	era	era	NOUN
fsr-4128	55	12	up	up	ADP
fsr-4128	55	13	until	until	ADP
fsr-4128	55	14	february	february	PROPN
fsr-4128	55	15	2023	2023	NUM
fsr-4128	55	16	.	.	PUNCT
fsr-4128	56	1	these	these	DET
fsr-4128	56	2	searches	search	NOUN
fsr-4128	56	3	continued	continue	VERB
fsr-4128	56	4	for	for	ADP
fsr-4128	56	5	five	five	NUM
fsr-4128	56	6	pages	page	NOUN
fsr-4128	56	7	after	after	SCONJ
fsr-4128	56	8	the	the	DET
fsr-4128	56	9	last	last	ADJ
fsr-4128	56	10	relevant	relevant	ADJ
fsr-4128	56	11	article	article	NOUN
fsr-4128	56	12	was	be	AUX
fsr-4128	56	13	found	find	VERB
fsr-4128	56	14	,	,	PUNCT
fsr-4128	56	15	after	after	ADP
fsr-4128	56	16	which	which	PRON
fsr-4128	56	17	it	it	PRON
fsr-4128	56	18	was	be	AUX
fsr-4128	56	19	deemed	deem	VERB
fsr-4128	56	20	unlikely	unlikely	ADJ
fsr-4128	56	21	that	that	SCONJ
fsr-4128	56	22	further	further	ADJ
fsr-4128	56	23	relevant	relevant	ADJ
fsr-4128	56	24	articles	article	NOUN
fsr-4128	56	25	would	would	AUX
fsr-4128	56	26	appear	appear	VERB
fsr-4128	56	27	.	.	PUNCT
fsr-4128	57	1	duplicate	duplicate	ADJ
fsr-4128	57	2	articles	article	NOUN
fsr-4128	57	3	were	be	AUX
fsr-4128	57	4	then	then	ADV
fsr-4128	57	5	removed	remove	VERB
fsr-4128	57	6	.	.	PUNCT
fsr-4128	58	1	members	member	NOUN
fsr-4128	58	2	of	of	ADP
fsr-4128	58	3	the	the	DET
fsr-4128	58	4	research	research	NOUN
fsr-4128	58	5	team	team	NOUN
fsr-4128	58	6	then	then	ADV
fsr-4128	58	7	manually	manually	ADV
fsr-4128	58	8	screened	screen	VERB
fsr-4128	58	9	the	the	DET
fsr-4128	58	10	remaining	remain	VERB
fsr-4128	58	11	articles	article	NOUN
fsr-4128	58	12	to	to	PART
fsr-4128	58	13	include	include	VERB
fsr-4128	58	14	only	only	ADV
fsr-4128	58	15	original	original	ADJ
fsr-4128	58	16	empirical	empirical	ADJ
fsr-4128	58	17	research	research	NOUN
fsr-4128	58	18	pieces	piece	NOUN
fsr-4128	58	19	investigating	investigate	VERB
fsr-4128	58	20	the	the	DET
fsr-4128	58	21	meaning	meaning	NOUN
fsr-4128	58	22	or	or	CCONJ
fsr-4128	58	23	measurement	measurement	NOUN
fsr-4128	58	24	of	of	ADP
fsr-4128	58	25	the	the	DET
fsr-4128	58	26	value	value	NOUN
fsr-4128	58	27	of	of	ADP
fsr-4128	58	28	personal	personal	ADJ
fsr-4128	58	29	financial	financial	ADJ
fsr-4128	58	30	advice	advice	NOUN
fsr-4128	58	31	delivered	deliver	VERB
fsr-4128	58	32	by	by	ADP
fsr-4128	58	33	financial	financial	ADJ
fsr-4128	58	34	advisors	advisor	NOUN
fsr-4128	58	35	to	to	ADP
fsr-4128	58	36	individuals	individual	NOUN
fsr-4128	58	37	.	.	PUNCT
fsr-4128	59	1	the	the	DET
fsr-4128	59	2	selected	select	VERB
fsr-4128	59	3	332	332	NUM
fsr-4128	59	4	articles	article	NOUN
fsr-4128	59	5	were	be	AUX
fsr-4128	59	6	then	then	ADV
fsr-4128	59	7	entered	enter	VERB
fsr-4128	59	8	into	into	ADP
fsr-4128	59	9	a	a	DET
fsr-4128	59	10	database	database	NOUN
fsr-4128	59	11	and	and	CCONJ
fsr-4128	59	12	thematically	thematically	ADV
fsr-4128	59	13	analyzed	analyze	VERB
fsr-4128	59	14	by	by	ADP
fsr-4128	59	15	the	the	DET
fsr-4128	59	16	research	research	NOUN
fsr-4128	59	17	team	team	NOUN
fsr-4128	59	18	using	use	VERB
fsr-4128	59	19	key	key	ADJ
fsr-4128	59	20	publication	publication	NOUN
fsr-4128	59	21	metrics	metric	NOUN
fsr-4128	59	22	,	,	PUNCT
fsr-4128	59	23	measurement	measurement	NOUN
fsr-4128	59	24	of	of	ADP
fsr-4128	59	25	value	value	NOUN
fsr-4128	59	26	(	(	PUNCT
fsr-4128	59	27	rq1	rq1	NOUN
fsr-4128	59	28	)	)	PUNCT
fsr-4128	59	29	,	,	PUNCT
fsr-4128	59	30	and	and	CCONJ
fsr-4128	59	31	outcomes	outcome	NOUN
fsr-4128	59	32	(	(	PUNCT
fsr-4128	59	33	rq2	rq2	NOUN
fsr-4128	59	34	)	)	PUNCT
fsr-4128	59	35	by	by	ADP
fsr-4128	59	36	themes	theme	NOUN
fsr-4128	59	37	and	and	CCONJ
fsr-4128	59	38	subthemes	subtheme	NOUN
fsr-4128	59	39	.	.	PUNCT
fsr-4128	60	1	a	a	DET
fsr-4128	60	2	conceptual	conceptual	ADJ
fsr-4128	60	3	framework	framework	NOUN
fsr-4128	60	4	was	be	AUX
fsr-4128	60	5	then	then	ADV
fsr-4128	60	6	developed	develop	VERB
fsr-4128	60	7	and	and	CCONJ
fsr-4128	60	8	refined	refine	VERB
fsr-4128	60	9	as	as	ADP
fsr-4128	60	10	a	a	DET
fsr-4128	60	11	result	result	NOUN
fsr-4128	60	12	of	of	ADP
fsr-4128	60	13	this	this	DET
fsr-4128	60	14	themesbased	themesbase	VERB
fsr-4128	60	15	approach	approach	NOUN
fsr-4128	60	16	(	(	PUNCT
fsr-4128	60	17	rq3	rq3	PROPN
fsr-4128	60	18	)	)	PUNCT
fsr-4128	60	19	.	.	PUNCT
fsr-4128	61	1	results	result	NOUN
fsr-4128	61	2	defining	define	VERB
fsr-4128	61	3	value	value	NOUN
fsr-4128	61	4	in	in	ADP
fsr-4128	61	5	the	the	DET
fsr-4128	61	6	context	context	NOUN
fsr-4128	61	7	of	of	ADP
fsr-4128	61	8	personal	personal	ADJ
fsr-4128	61	9	professional	professional	ADJ
fsr-4128	61	10	financial	financial	ADJ
fsr-4128	61	11	advice	advice	NOUN
fsr-4128	61	12	value	value	NOUN
fsr-4128	61	13	is	be	AUX
fsr-4128	61	14	a	a	DET
fsr-4128	61	15	concept	concept	NOUN
fsr-4128	61	16	that	that	PRON
fsr-4128	61	17	is	be	AUX
fsr-4128	61	18	both	both	CCONJ
fsr-4128	61	19	familiar	familiar	ADJ
fsr-4128	61	20	yet	yet	ADV
fsr-4128	61	21	vague	vague	ADJ
fsr-4128	61	22	;	;	PUNCT
fsr-4128	61	23	it	it	PRON
fsr-4128	61	24	has	have	VERB
fsr-4128	61	25	different	different	ADJ
fsr-4128	61	26	meanings	meaning	NOUN
fsr-4128	61	27	to	to	ADP
fsr-4128	61	28	different	different	ADJ
fsr-4128	61	29	people	people	NOUN
fsr-4128	61	30	but	but	CCONJ
fsr-4128	61	31	also	also	ADV
fsr-4128	61	32	varies	vary	VERB
fsr-4128	61	33	across	across	ADP
fsr-4128	61	34	contexts	contexts	NOUN
fsr-4128	61	35	,	,	PUNCT
fsr-4128	61	36	disciplines	discipline	NOUN
fsr-4128	61	37	,	,	PUNCT
fsr-4128	61	38	and	and	CCONJ
fsr-4128	61	39	dimensions	dimension	NOUN
fsr-4128	61	40	.	.	PUNCT
fsr-4128	62	1	value	value	NOUN
fsr-4128	62	2	has	have	AUX
fsr-4128	62	3	been	be	AUX
fsr-4128	62	4	defined	define	VERB
fsr-4128	62	5	as	as	ADP
fsr-4128	62	6	“	"	PUNCT
fsr-4128	62	7	relative	relative	ADJ
fsr-4128	62	8	worth	worth	ADJ
fsr-4128	62	9	,	,	PUNCT
fsr-4128	62	10	utility	utility	NOUN
fsr-4128	62	11	,	,	PUNCT
fsr-4128	62	12	or	or	CCONJ
fsr-4128	62	13	importance	importance	NOUN
fsr-4128	62	14	”	"	PUNCT
fsr-4128	62	15	,	,	PUNCT
fsr-4128	62	16	“	"	PUNCT
fsr-4128	62	17	something	something	PRON
fsr-4128	62	18	(	(	PUNCT
fsr-4128	62	19	such	such	ADJ
fsr-4128	62	20	as	as	ADP
fsr-4128	62	21	a	a	DET
fsr-4128	62	22	principle	principle	NOUN
fsr-4128	62	23	or	or	CCONJ
fsr-4128	62	24	quality	quality	NOUN
fsr-4128	62	25	)	)	PUNCT
fsr-4128	62	26	intrinsically	intrinsically	ADV
fsr-4128	62	27	valuable	valuable	ADJ
fsr-4128	62	28	or	or	CCONJ
fsr-4128	62	29	desirable	desirable	ADJ
fsr-4128	62	30	”	"	PUNCT
fsr-4128	62	31	and	and	CCONJ
fsr-4128	62	32	“	"	PUNCT
fsr-4128	62	33	a	a	DET
fsr-4128	62	34	fair	fair	ADJ
fsr-4128	62	35	return	return	NOUN
fsr-4128	62	36	or	or	CCONJ
fsr-4128	62	37	equivalent	equivalent	ADJ
fsr-4128	62	38	in	in	ADP
fsr-4128	62	39	goods	good	NOUN
fsr-4128	62	40	,	,	PUNCT
fsr-4128	62	41	services	service	NOUN
fsr-4128	62	42	,	,	PUNCT
fsr-4128	62	43	or	or	CCONJ
fsr-4128	62	44	money	money	NOUN
fsr-4128	62	45	for	for	ADP
fsr-4128	62	46	something	something	PRON
fsr-4128	62	47	exchanged	exchange	VERB
fsr-4128	62	48	”	"	PUNCT
fsr-4128	62	49	(	(	PUNCT
fsr-4128	62	50	mirriamwebster	mirriamwebster	PROPN
fsr-4128	62	51	inc	inc	PROPN
fsr-4128	62	52	.	.	PROPN
fsr-4128	62	53	,	,	PUNCT
fsr-4128	62	54	n.d	n.d	PROPN
fsr-4128	62	55	.	.	PROPN
fsr-4128	62	56	)	)	PUNCT
fsr-4128	62	57	.	.	PUNCT
fsr-4128	63	1	in	in	ADP
fsr-4128	63	2	consumer	consumer	NOUN
fsr-4128	63	3	research	research	NOUN
fsr-4128	63	4	,	,	PUNCT
fsr-4128	63	5	holbrook	holbrook	PROPN
fsr-4128	63	6	(	(	PUNCT
fsr-4128	63	7	2002	2002	NUM
fsr-4128	63	8	,	,	PUNCT
fsr-4128	63	9	p.	p.	NOUN
fsr-4128	63	10	5	5	NUM
fsr-4128	63	11	)	)	PUNCT
fsr-4128	63	12	defines	define	NOUN
fsr-4128	63	13	value	value	NOUN
fsr-4128	63	14	as	as	ADP
fsr-4128	63	15	an	an	DET
fsr-4128	63	16	“	"	PUNCT
fsr-4128	63	17	interactive	interactive	ADJ
fsr-4128	63	18	relativistic	relativistic	ADJ
fsr-4128	63	19	preference	preference	NOUN
fsr-4128	63	20	experience	experience	NOUN
fsr-4128	63	21	”	"	PUNCT
fsr-4128	63	22	emphasizing	emphasize	VERB
fsr-4128	63	23	that	that	DET
fsr-4128	63	24	value	value	NOUN
fsr-4128	63	25	emerges	emerge	VERB
fsr-4128	63	26	not	not	PART
fsr-4128	63	27	from	from	ADP
fsr-4128	63	28	the	the	DET
fsr-4128	63	29	product	product	NOUN
fsr-4128	63	30	or	or	CCONJ
fsr-4128	63	31	service	service	NOUN
fsr-4128	63	32	itself	itself	PRON
fsr-4128	63	33	,	,	PUNCT
fsr-4128	63	34	but	but	CCONJ
fsr-4128	63	35	from	from	ADP
fsr-4128	63	36	the	the	DET
fsr-4128	63	37	consumption	consumption	NOUN
fsr-4128	63	38	experience	experience	NOUN
fsr-4128	63	39	.	.	PUNCT
fsr-4128	64	1	this	this	DET
fsr-4128	64	2	experiential	experiential	ADJ
fsr-4128	64	3	and	and	CCONJ
fsr-4128	64	4	dynamic	dynamic	ADJ
fsr-4128	64	5	nature	nature	NOUN
fsr-4128	64	6	of	of	ADP
fsr-4128	64	7	value	value	NOUN
fsr-4128	64	8	suggests	suggest	VERB
fsr-4128	64	9	that	that	SCONJ
fsr-4128	64	10	its	its	PRON
fsr-4128	64	11	components	component	NOUN
fsr-4128	64	12	are	be	AUX
fsr-4128	64	13	interdependent	interdependent	ADJ
fsr-4128	64	14	,	,	PUNCT
fsr-4128	64	15	multifaceted	multifaceted	ADJ
fsr-4128	64	16	,	,	PUNCT
fsr-4128	64	17	and	and	CCONJ
fsr-4128	64	18	subject	subject	ADJ
fsr-4128	64	19	to	to	ADP
fsr-4128	64	20	change	change	NOUN
fsr-4128	64	21	over	over	ADP
fsr-4128	64	22	time	time	NOUN
fsr-4128	64	23	(	(	PUNCT
fsr-4128	64	24	holbrook	holbrook	NOUN
fsr-4128	64	25	,	,	PUNCT
fsr-4128	64	26	2002	2002	NUM
fsr-4128	64	27	)	)	PUNCT
fsr-4128	64	28	.	.	PUNCT
fsr-4128	65	1	similarly	similarly	ADV
fsr-4128	65	2	,	,	PUNCT
fsr-4128	65	3	boztepe	boztepe	ADJ
fsr-4128	65	4	(	(	PUNCT
fsr-4128	65	5	2007	2007	NUM
fsr-4128	65	6	)	)	PUNCT
fsr-4128	65	7	frames	frame	NOUN
fsr-4128	65	8	value	value	NOUN
fsr-4128	65	9	as	as	ADP
fsr-4128	65	10	a	a	DET
fsr-4128	65	11	derivative	derivative	NOUN
fsr-4128	65	12	of	of	ADP
fsr-4128	65	13	the	the	DET
fsr-4128	65	14	interaction	interaction	NOUN
fsr-4128	65	15	between	between	ADP
fsr-4128	65	16	the	the	DET
fsr-4128	65	17	consumer	consumer	NOUN
fsr-4128	65	18	and	and	CCONJ
fsr-4128	65	19	the	the	DET
fsr-4128	65	20	product	product	NOUN
fsr-4128	65	21	or	or	CCONJ
fsr-4128	65	22	service	service	NOUN
fsr-4128	65	23	,	,	PUNCT
fsr-4128	65	24	mediated	mediate	VERB
fsr-4128	65	25	by	by	ADP
fsr-4128	65	26	individual	individual	ADJ
fsr-4128	65	27	goals	goal	NOUN
fsr-4128	65	28	,	,	PUNCT
fsr-4128	65	29	needs	need	NOUN
fsr-4128	65	30	,	,	PUNCT
fsr-4128	65	31	expectations	expectation	NOUN
fsr-4128	65	32	,	,	PUNCT
fsr-4128	65	33	and	and	CCONJ
fsr-4128	65	34	emotions	emotion	NOUN
fsr-4128	65	35	.	.	PUNCT
fsr-4128	66	1	this	this	DET
fsr-4128	66	2	perspective	perspective	NOUN
fsr-4128	66	3	also	also	ADV
fsr-4128	66	4	highlights	highlight	VERB
fsr-4128	66	5	the	the	DET
fsr-4128	66	6	temporal	temporal	ADJ
fsr-4128	66	7	dimension	dimension	NOUN
fsr-4128	66	8	of	of	ADP
fsr-4128	66	9	value	value	NOUN
fsr-4128	66	10	,	,	PUNCT
fsr-4128	66	11	distinguishing	distinguish	VERB
fsr-4128	66	12	between	between	ADP
fsr-4128	66	13	pre	pre	ADJ
fsr-4128	66	14	-	-	NOUN
fsr-4128	66	15	purchase	purchase	ADJ
fsr-4128	66	16	and	and	CCONJ
fsr-4128	66	17	post	post	ADJ
fsr-4128	66	18	-	-	ADJ
fsr-4128	66	19	purchase	purchase	ADJ
fsr-4128	66	20	evaluations	evaluation	NOUN
fsr-4128	66	21	.	.	PUNCT
fsr-4128	67	1	in	in	ADP
fsr-4128	67	2	the	the	DET
fsr-4128	67	3	domain	domain	NOUN
fsr-4128	67	4	of	of	ADP
fsr-4128	67	5	financial	financial	ADJ
fsr-4128	67	6	advice	advice	NOUN
fsr-4128	67	7	,	,	PUNCT
fsr-4128	67	8	this	this	DET
fsr-4128	67	9	distinction	distinction	NOUN
fsr-4128	67	10	is	be	AUX
fsr-4128	67	11	particularly	particularly	ADV
fsr-4128	67	12	salient	salient	ADJ
fsr-4128	67	13	,	,	PUNCT
fsr-4128	67	14	as	as	SCONJ
fsr-4128	67	15	the	the	DET
fsr-4128	67	16	perceived	perceive	VERB
fsr-4128	67	17	value	value	NOUN
fsr-4128	67	18	of	of	ADP
fsr-4128	67	19	financial	financial	ADJ
fsr-4128	67	20	advice	advice	NOUN
fsr-4128	67	21	may	may	AUX
fsr-4128	67	22	evolve	evolve	VERB
fsr-4128	67	23	with	with	ADP
fsr-4128	67	24	changes	change	NOUN
fsr-4128	67	25	in	in	ADP
fsr-4128	67	26	financial	financial	ADJ
fsr-4128	67	27	circumstances	circumstance	NOUN
fsr-4128	67	28	,	,	PUNCT
fsr-4128	67	29	market	market	NOUN
fsr-4128	67	30	conditions	condition	NOUN
fsr-4128	67	31	,	,	PUNCT
fsr-4128	67	32	or	or	CCONJ
fsr-4128	67	33	personal	personal	ADJ
fsr-4128	67	34	priorities	priority	NOUN
fsr-4128	67	35	.	.	PUNCT
fsr-4128	68	1	pagliaro	pagliaro	NOUN
fsr-4128	68	2	and	and	CCONJ
fsr-4128	68	3	utkus	utkus	NOUN
fsr-4128	68	4	(	(	PUNCT
fsr-4128	68	5	2019	2019	NUM
fsr-4128	68	6	)	)	PUNCT
fsr-4128	68	7	offer	offer	VERB
fsr-4128	68	8	a	a	DET
fsr-4128	68	9	tripartite	tripartite	ADJ
fsr-4128	68	10	model	model	NOUN
fsr-4128	68	11	of	of	ADP
fsr-4128	68	12	the	the	DET
fsr-4128	68	13	value	value	NOUN
fsr-4128	68	14	of	of	ADP
fsr-4128	68	15	financial	financial	ADJ
fsr-4128	68	16	advice	advice	NOUN
fsr-4128	68	17	,	,	PUNCT
fsr-4128	68	18	comprising	comprise	VERB
fsr-4128	68	19	portfolio	portfolio	NOUN
fsr-4128	68	20	outcomes	outcome	NOUN
fsr-4128	68	21	,	,	PUNCT
fsr-4128	68	22	financial	financial	ADJ
fsr-4128	68	23	outcomes	outcome	NOUN
fsr-4128	68	24	,	,	PUNCT
fsr-4128	68	25	and	and	CCONJ
fsr-4128	68	26	emotional	emotional	ADJ
fsr-4128	68	27	outcomes	outcome	NOUN
fsr-4128	68	28	.	.	PUNCT
fsr-4128	69	1	while	while	SCONJ
fsr-4128	69	2	each	each	DET
fsr-4128	69	3	dimension	dimension	NOUN
fsr-4128	69	4	contributes	contribute	VERB
fsr-4128	69	5	positively	positively	ADV
fsr-4128	69	6	to	to	ADP
fsr-4128	69	7	perceived	perceive	VERB
fsr-4128	69	8	value	value	NOUN
fsr-4128	69	9	,	,	PUNCT
fsr-4128	69	10	the	the	DET
fsr-4128	69	11	absence	absence	NOUN
fsr-4128	69	12	of	of	ADP
fsr-4128	69	13	an	an	DET
fsr-4128	69	14	integrated	integrate	VERB
fsr-4128	69	15	framework	framework	NOUN
fsr-4128	69	16	limits	limit	VERB
fsr-4128	69	17	the	the	DET
fsr-4128	69	18	ability	ability	NOUN
fsr-4128	69	19	to	to	PART
fsr-4128	69	20	determine	determine	VERB
fsr-4128	69	21	which	which	DET
fsr-4128	69	22	element	element	NOUN
fsr-4128	69	23	is	be	AUX
fsr-4128	69	24	most	most	ADV
fsr-4128	69	25	influential	influential	ADJ
fsr-4128	69	26	.	.	PUNCT
fsr-4128	70	1	nonetheless	nonetheless	ADV
fsr-4128	70	2	,	,	PUNCT
fsr-4128	70	3	their	their	PRON
fsr-4128	70	4	work	work	NOUN
fsr-4128	70	5	underscores	underscore	VERB
fsr-4128	70	6	the	the	DET
fsr-4128	70	7	need	need	NOUN
fsr-4128	70	8	for	for	ADP
fsr-4128	70	9	comprehensive	comprehensive	ADJ
fsr-4128	70	10	value	value	NOUN
fsr-4128	70	11	measures	measure	NOUN
fsr-4128	70	12	that	that	PRON
fsr-4128	70	13	account	account	VERB
fsr-4128	70	14	for	for	ADP
fsr-4128	70	15	both	both	CCONJ
fsr-4128	70	16	objective	objective	ADJ
fsr-4128	70	17	and	and	CCONJ
fsr-4128	70	18	subjective	subjective	ADJ
fsr-4128	70	19	outcomes	outcome	NOUN
fsr-4128	70	20	.	.	PUNCT
fsr-4128	71	1	macdonald	macdonald	PROPN
fsr-4128	71	2	et	et	PROPN
fsr-4128	71	3	al	al	PROPN
fsr-4128	71	4	.	.	PROPN
fsr-4128	71	5	137	137	NUM
fsr-4128	71	6	further	far	ADV
fsr-4128	71	7	complicating	complicate	VERB
fsr-4128	71	8	the	the	DET
fsr-4128	71	9	assessment	assessment	NOUN
fsr-4128	71	10	of	of	ADP
fsr-4128	71	11	value	value	NOUN
fsr-4128	71	12	in	in	ADP
fsr-4128	71	13	financial	financial	ADJ
fsr-4128	71	14	advice	advice	NOUN
fsr-4128	71	15	is	be	AUX
fsr-4128	71	16	its	its	PRON
fsr-4128	71	17	classification	classification	NOUN
fsr-4128	71	18	as	as	ADP
fsr-4128	71	19	a	a	DET
fsr-4128	71	20	credence	credence	NOUN
fsr-4128	71	21	service	service	NOUN
fsr-4128	71	22	,	,	PUNCT
fsr-4128	71	23	so	so	SCONJ
fsr-4128	71	24	consumers	consumer	NOUN
fsr-4128	71	25	may	may	AUX
fsr-4128	71	26	lack	lack	VERB
fsr-4128	71	27	the	the	DET
fsr-4128	71	28	expertise	expertise	NOUN
fsr-4128	71	29	to	to	PART
fsr-4128	71	30	evaluate	evaluate	VERB
fsr-4128	71	31	quality	quality	NOUN
fsr-4128	71	32	even	even	ADV
fsr-4128	71	33	after	after	ADP
fsr-4128	71	34	consumption	consumption	NOUN
fsr-4128	71	35	(	(	PUNCT
fsr-4128	71	36	srinivas	srinivas	PROPN
fsr-4128	71	37	,	,	PUNCT
fsr-4128	71	38	2000	2000	NUM
fsr-4128	71	39	)	)	PUNCT
fsr-4128	71	40	.	.	PUNCT
fsr-4128	72	1	the	the	DET
fsr-4128	72	2	literature	literature	NOUN
fsr-4128	72	3	identifies	identify	VERB
fsr-4128	72	4	several	several	ADJ
fsr-4128	72	5	barriers	barrier	NOUN
fsr-4128	72	6	to	to	ADP
fsr-4128	72	7	the	the	DET
fsr-4128	72	8	accurate	accurate	ADJ
fsr-4128	72	9	value	value	NOUN
fsr-4128	72	10	assessment	assessment	NOUN
fsr-4128	72	11	,	,	PUNCT
fsr-4128	72	12	including	include	VERB
fsr-4128	72	13	the	the	DET
fsr-4128	72	14	intangibility	intangibility	NOUN
fsr-4128	72	15	of	of	ADP
fsr-4128	72	16	the	the	DET
fsr-4128	72	17	service	service	NOUN
fsr-4128	72	18	,	,	PUNCT
fsr-4128	72	19	the	the	DET
fsr-4128	72	20	absence	absence	NOUN
fsr-4128	72	21	of	of	ADP
fsr-4128	72	22	clear	clear	ADJ
fsr-4128	72	23	quality	quality	NOUN
fsr-4128	72	24	signals	signal	NOUN
fsr-4128	72	25	,	,	PUNCT
fsr-4128	72	26	and	and	CCONJ
fsr-4128	72	27	uncertainty	uncertainty	NOUN
fsr-4128	72	28	regarding	regard	VERB
fsr-4128	72	29	evaluative	evaluative	ADJ
fsr-4128	72	30	criteria	criterion	NOUN
fsr-4128	72	31	(	(	PUNCT
fsr-4128	72	32	alford	alford	PROPN
fsr-4128	72	33	&	&	CCONJ
fsr-4128	72	34	sherrell	sherrell	PROPN
fsr-4128	72	35	,	,	PUNCT
fsr-4128	72	36	1996	1996	NUM
fsr-4128	72	37	;	;	PUNCT
fsr-4128	72	38	bloom	bloom	NOUN
fsr-4128	72	39	&	&	CCONJ
fsr-4128	72	40	dalpe	dalpe	PROPN
fsr-4128	72	41	,	,	PUNCT
fsr-4128	72	42	1993	1993	NUM
fsr-4128	72	43	;	;	PUNCT
fsr-4128	72	44	srinivas	srinivas	PROPN
fsr-4128	72	45	,	,	PUNCT
fsr-4128	72	46	2000	2000	NUM
fsr-4128	72	47	)	)	PUNCT
fsr-4128	72	48	.	.	PUNCT
fsr-4128	73	1	these	these	DET
fsr-4128	73	2	challenges	challenge	NOUN
fsr-4128	73	3	are	be	AUX
fsr-4128	73	4	compounded	compound	VERB
fsr-4128	73	5	by	by	ADP
fsr-4128	73	6	the	the	DET
fsr-4128	73	7	individualized	individualized	ADJ
fsr-4128	73	8	nature	nature	NOUN
fsr-4128	73	9	of	of	ADP
fsr-4128	73	10	financial	financial	ADJ
fsr-4128	73	11	advice	advice	NOUN
fsr-4128	73	12	which	which	PRON
fsr-4128	73	13	is	be	AUX
fsr-4128	73	14	tailored	tailor	VERB
fsr-4128	73	15	to	to	ADP
fsr-4128	73	16	the	the	DET
fsr-4128	73	17	client	client	NOUN
fsr-4128	73	18	’s	’s	PART
fsr-4128	73	19	specific	specific	ADJ
fsr-4128	73	20	goals	goal	NOUN
fsr-4128	73	21	,	,	PUNCT
fsr-4128	73	22	life	life	NOUN
fsr-4128	73	23	stage	stage	NOUN
fsr-4128	73	24	,	,	PUNCT
fsr-4128	73	25	and	and	CCONJ
fsr-4128	73	26	financial	financial	ADJ
fsr-4128	73	27	position	position	NOUN
fsr-4128	73	28	.	.	PUNCT
fsr-4128	74	1	although	although	SCONJ
fsr-4128	74	2	definitions	definition	NOUN
fsr-4128	74	3	of	of	ADP
fsr-4128	74	4	value	value	NOUN
fsr-4128	74	5	vary	vary	NOUN
fsr-4128	74	6	,	,	PUNCT
fsr-4128	74	7	a	a	DET
fsr-4128	74	8	common	common	ADJ
fsr-4128	74	9	thread	thread	NOUN
fsr-4128	74	10	is	be	AUX
fsr-4128	74	11	the	the	DET
fsr-4128	74	12	relationship	relationship	NOUN
fsr-4128	74	13	between	between	ADP
fsr-4128	74	14	resource	resource	NOUN
fsr-4128	74	15	expenditure	expenditure	NOUN
fsr-4128	74	16	and	and	CCONJ
fsr-4128	74	17	perceived	perceive	VERB
fsr-4128	74	18	benefit	benefit	NOUN
fsr-4128	74	19	.	.	PUNCT
fsr-4128	75	1	in	in	ADP
fsr-4128	75	2	financial	financial	ADJ
fsr-4128	75	3	advice	advice	NOUN
fsr-4128	75	4	,	,	PUNCT
fsr-4128	75	5	this	this	DET
fsr-4128	75	6	relationship	relationship	NOUN
fsr-4128	75	7	is	be	AUX
fsr-4128	75	8	inherently	inherently	ADV
fsr-4128	75	9	personalized	personalize	VERB
fsr-4128	75	10	:	:	PUNCT
fsr-4128	75	11	cost	cost	NOUN
fsr-4128	75	12	and	and	CCONJ
fsr-4128	75	13	outcomes	outcome	NOUN
fsr-4128	75	14	differ	differ	VERB
fsr-4128	75	15	across	across	ADP
fsr-4128	75	16	clients	client	NOUN
fsr-4128	75	17	,	,	PUNCT
fsr-4128	75	18	for	for	ADP
fsr-4128	75	19	example	example	NOUN
fsr-4128	75	20	,	,	PUNCT
fsr-4128	75	21	due	due	ADP
fsr-4128	75	22	to	to	ADP
fsr-4128	75	23	different	different	ADJ
fsr-4128	75	24	goals	goal	NOUN
fsr-4128	75	25	,	,	PUNCT
fsr-4128	75	26	levels	level	NOUN
fsr-4128	75	27	of	of	ADP
fsr-4128	75	28	wealth	wealth	NOUN
fsr-4128	75	29	,	,	PUNCT
fsr-4128	75	30	or	or	CCONJ
fsr-4128	75	31	life	life	NOUN
fsr-4128	75	32	stages	stage	NOUN
fsr-4128	75	33	,	,	PUNCT
fsr-4128	75	34	and	and	CCONJ
fsr-4128	75	35	value	value	NOUN
fsr-4128	75	36	may	may	AUX
fsr-4128	75	37	be	be	AUX
fsr-4128	75	38	derived	derive	VERB
fsr-4128	75	39	from	from	ADP
fsr-4128	75	40	tangible	tangible	ADJ
fsr-4128	75	41	results	result	NOUN
fsr-4128	75	42	(	(	PUNCT
fsr-4128	75	43	e.g.	e.g.	ADV
fsr-4128	75	44	,	,	PUNCT
fsr-4128	75	45	investment	investment	NOUN
fsr-4128	75	46	returns	return	NOUN
fsr-4128	75	47	)	)	PUNCT
fsr-4128	75	48	or	or	CCONJ
fsr-4128	75	49	intangible	intangible	ADJ
fsr-4128	75	50	benefits	benefit	NOUN
fsr-4128	75	51	(	(	PUNCT
fsr-4128	75	52	e.g.	e.g.	ADV
fsr-4128	75	53	,	,	PUNCT
fsr-4128	75	54	peace	peace	NOUN
fsr-4128	75	55	of	of	ADP
fsr-4128	75	56	mind	mind	NOUN
fsr-4128	75	57	)	)	PUNCT
fsr-4128	75	58	.	.	PUNCT
fsr-4128	76	1	thus	thus	ADV
fsr-4128	76	2	,	,	PUNCT
fsr-4128	76	3	value	value	NOUN
fsr-4128	76	4	in	in	ADP
fsr-4128	76	5	financial	financial	ADJ
fsr-4128	76	6	advice	advice	NOUN
fsr-4128	76	7	is	be	AUX
fsr-4128	76	8	best	well	ADV
fsr-4128	76	9	understood	understand	VERB
fsr-4128	76	10	as	as	ADP
fsr-4128	76	11	a	a	DET
fsr-4128	76	12	dynamic	dynamic	ADJ
fsr-4128	76	13	,	,	PUNCT
fsr-4128	76	14	experiential	experiential	ADJ
fsr-4128	76	15	construct	construct	NOUN
fsr-4128	76	16	shaped	shape	VERB
fsr-4128	76	17	by	by	ADP
fsr-4128	76	18	the	the	DET
fsr-4128	76	19	interaction	interaction	NOUN
fsr-4128	76	20	between	between	ADP
fsr-4128	76	21	advisor	advisor	NOUN
fsr-4128	76	22	and	and	CCONJ
fsr-4128	76	23	client	client	NOUN
fsr-4128	76	24	,	,	PUNCT
fsr-4128	76	25	and	and	CCONJ
fsr-4128	76	26	contingent	contingent	NOUN
fsr-4128	76	27	upon	upon	SCONJ
fsr-4128	76	28	the	the	DET
fsr-4128	76	29	client	client	NOUN
fsr-4128	76	30	’s	’s	PART
fsr-4128	76	31	evolving	evolving	NOUN
fsr-4128	76	32	needs	need	NOUN
fsr-4128	76	33	and	and	CCONJ
fsr-4128	76	34	perceptions	perception	NOUN
fsr-4128	76	35	.	.	PUNCT
fsr-4128	77	1	the	the	DET
fsr-4128	77	2	possible	possible	ADJ
fsr-4128	77	3	outcomes	outcome	NOUN
fsr-4128	77	4	of	of	ADP
fsr-4128	77	5	financial	financial	ADJ
fsr-4128	77	6	advice	advice	NOUN
fsr-4128	77	7	for	for	ADP
fsr-4128	77	8	clients	client	NOUN
fsr-4128	77	9	are	be	AUX
fsr-4128	77	10	therefore	therefore	ADV
fsr-4128	77	11	wide	wide	ADV
fsr-4128	77	12	-	-	PUNCT
fsr-4128	77	13	ranging	range	VERB
fsr-4128	77	14	and	and	CCONJ
fsr-4128	77	15	without	without	ADP
fsr-4128	77	16	a	a	DET
fsr-4128	77	17	holistic	holistic	ADJ
fsr-4128	77	18	approach	approach	NOUN
fsr-4128	77	19	,	,	PUNCT
fsr-4128	77	20	a	a	DET
fsr-4128	77	21	complete	complete	ADJ
fsr-4128	77	22	conception	conception	NOUN
fsr-4128	77	23	of	of	ADP
fsr-4128	77	24	the	the	DET
fsr-4128	77	25	value	value	NOUN
fsr-4128	77	26	of	of	ADP
fsr-4128	77	27	financial	financial	ADJ
fsr-4128	77	28	advice	advice	NOUN
fsr-4128	77	29	for	for	ADP
fsr-4128	77	30	clients	client	NOUN
fsr-4128	77	31	may	may	AUX
fsr-4128	77	32	not	not	PART
fsr-4128	77	33	be	be	AUX
fsr-4128	77	34	realized	realize	VERB
fsr-4128	77	35	.	.	PUNCT
fsr-4128	78	1	to	to	PART
fsr-4128	78	2	best	well	ADV
fsr-4128	78	3	conceptualize	conceptualize	VERB
fsr-4128	78	4	the	the	DET
fsr-4128	78	5	value	value	NOUN
fsr-4128	78	6	of	of	ADP
fsr-4128	78	7	financial	financial	ADJ
fsr-4128	78	8	advice	advice	NOUN
fsr-4128	78	9	,	,	PUNCT
fsr-4128	78	10	it	it	PRON
fsr-4128	78	11	is	be	AUX
fsr-4128	78	12	therefore	therefore	ADV
fsr-4128	78	13	necessary	necessary	ADJ
fsr-4128	78	14	to	to	PART
fsr-4128	78	15	explore	explore	VERB
fsr-4128	78	16	the	the	DET
fsr-4128	78	17	multidimensional	multidimensional	ADJ
fsr-4128	78	18	nature	nature	NOUN
fsr-4128	78	19	of	of	ADP
fsr-4128	78	20	financial	financial	ADJ
fsr-4128	78	21	advice	advice	NOUN
fsr-4128	78	22	and	and	CCONJ
fsr-4128	78	23	the	the	DET
fsr-4128	78	24	environment	environment	NOUN
fsr-4128	78	25	in	in	ADP
fsr-4128	78	26	which	which	PRON
fsr-4128	78	27	it	it	PRON
fsr-4128	78	28	is	be	AUX
fsr-4128	78	29	delivered	deliver	VERB
fsr-4128	78	30	(	(	PUNCT
fsr-4128	78	31	e.g.	e.g.	ADV
fsr-4128	78	32	,	,	PUNCT
fsr-4128	78	33	loy	loy	PROPN
fsr-4128	78	34	et	et	PROPN
fsr-4128	78	35	al	al	PROPN
fsr-4128	78	36	.	.	PROPN
fsr-4128	78	37	,	,	PUNCT
fsr-4128	78	38	2021	2021	NUM
fsr-4128	78	39	;	;	PUNCT
fsr-4128	78	40	macdonald	macdonald	PROPN
fsr-4128	78	41	et	et	PROPN
fsr-4128	78	42	al	al	PROPN
fsr-4128	78	43	.	.	PROPN
fsr-4128	78	44	,	,	PUNCT
fsr-4128	78	45	2023	2023	NUM
fsr-4128	78	46	;	;	PUNCT
fsr-4128	79	1	marsden	marsden	PROPN
fsr-4128	79	2	et	et	PROPN
fsr-4128	79	3	al	al	PROPN
fsr-4128	79	4	.	.	PROPN
fsr-4128	79	5	,	,	PUNCT
fsr-4128	79	6	2011	2011	NUM
fsr-4128	79	7	)	)	PUNCT
fsr-4128	79	8	.	.	PUNCT
fsr-4128	80	1	in	in	ADP
fsr-4128	80	2	the	the	DET
fsr-4128	80	3	next	next	ADJ
fsr-4128	80	4	section	section	NOUN
fsr-4128	80	5	,	,	PUNCT
fsr-4128	80	6	we	we	PRON
fsr-4128	80	7	provide	provide	VERB
fsr-4128	80	8	a	a	DET
fsr-4128	80	9	thematic	thematic	ADJ
fsr-4128	80	10	analysis	analysis	NOUN
fsr-4128	80	11	of	of	ADP
fsr-4128	80	12	the	the	DET
fsr-4128	80	13	literature	literature	NOUN
fsr-4128	80	14	examining	examine	VERB
fsr-4128	80	15	the	the	DET
fsr-4128	80	16	value	value	NOUN
fsr-4128	80	17	of	of	ADP
fsr-4128	80	18	professional	professional	ADJ
fsr-4128	80	19	financial	financial	ADJ
fsr-4128	80	20	advice	advice	NOUN
fsr-4128	80	21	to	to	ADP
fsr-4128	80	22	clients	client	NOUN
fsr-4128	80	23	.	.	PUNCT
fsr-4128	81	1	this	this	PRON
fsr-4128	81	2	culminates	culminate	VERB
fsr-4128	81	3	in	in	ADP
fsr-4128	81	4	the	the	DET
fsr-4128	81	5	presentation	presentation	NOUN
fsr-4128	81	6	of	of	ADP
fsr-4128	81	7	a	a	DET
fsr-4128	81	8	conceptual	conceptual	ADJ
fsr-4128	81	9	framework	framework	NOUN
fsr-4128	81	10	which	which	PRON
fsr-4128	81	11	serves	serve	VERB
fsr-4128	81	12	to	to	AUX
fsr-4128	81	13	both	both	PRON
fsr-4128	81	14	summarize	summarize	VERB
fsr-4128	81	15	the	the	DET
fsr-4128	81	16	multifaceted	multifaceted	ADJ
fsr-4128	81	17	and	and	CCONJ
fsr-4128	81	18	interrelated	interrelated	ADJ
fsr-4128	81	19	aspects	aspect	NOUN
fsr-4128	81	20	of	of	ADP
fsr-4128	81	21	financial	financial	ADJ
fsr-4128	81	22	advice	advice	NOUN
fsr-4128	81	23	and	and	CCONJ
fsr-4128	81	24	support	support	VERB
fsr-4128	81	25	the	the	DET
fsr-4128	81	26	development	development	NOUN
fsr-4128	81	27	of	of	ADP
fsr-4128	81	28	a	a	DET
fsr-4128	81	29	more	more	ADV
fsr-4128	81	30	rigorous	rigorous	ADJ
fsr-4128	81	31	,	,	PUNCT
fsr-4128	81	32	coherent	coherent	ADJ
fsr-4128	81	33	body	body	NOUN
fsr-4128	81	34	of	of	ADP
fsr-4128	81	35	future	future	ADJ
fsr-4128	81	36	research	research	NOUN
fsr-4128	81	37	.	.	PUNCT
fsr-4128	82	1	thematic	thematic	ADJ
fsr-4128	82	2	analysis	analysis	NOUN
fsr-4128	82	3	articles	article	NOUN
fsr-4128	82	4	were	be	AUX
fsr-4128	82	5	coded	code	VERB
fsr-4128	82	6	into	into	ADP
fsr-4128	82	7	themes	theme	NOUN
fsr-4128	82	8	based	base	VERB
fsr-4128	82	9	on	on	ADP
fsr-4128	82	10	the	the	DET
fsr-4128	82	11	aspect	aspect	NOUN
fsr-4128	82	12	of	of	ADP
fsr-4128	82	13	value	value	NOUN
fsr-4128	82	14	under	under	ADP
fsr-4128	82	15	investigation	investigation	NOUN
fsr-4128	82	16	.	.	PUNCT
fsr-4128	83	1	those	those	PRON
fsr-4128	83	2	with	with	ADP
fsr-4128	83	3	a	a	DET
fsr-4128	83	4	narrow	narrow	ADJ
fsr-4128	83	5	focus	focus	NOUN
fsr-4128	83	6	were	be	AUX
fsr-4128	83	7	coded	code	VERB
fsr-4128	83	8	into	into	ADP
fsr-4128	83	9	a	a	DET
fsr-4128	83	10	single	single	ADJ
fsr-4128	83	11	theme	theme	NOUN
fsr-4128	83	12	while	while	SCONJ
fsr-4128	83	13	others	other	NOUN
fsr-4128	83	14	were	be	AUX
fsr-4128	83	15	coded	code	VERB
fsr-4128	83	16	into	into	ADP
fsr-4128	83	17	as	as	ADV
fsr-4128	83	18	many	many	ADJ
fsr-4128	83	19	themes	theme	NOUN
fsr-4128	83	20	as	as	SCONJ
fsr-4128	83	21	considered	consider	VERB
fsr-4128	83	22	appropriate	appropriate	ADJ
fsr-4128	83	23	to	to	PART
fsr-4128	83	24	capture	capture	VERB
fsr-4128	83	25	the	the	DET
fsr-4128	83	26	breadth	breadth	NOUN
fsr-4128	83	27	of	of	ADP
fsr-4128	83	28	the	the	DET
fsr-4128	83	29	results	result	NOUN
fsr-4128	83	30	.	.	PUNCT
fsr-4128	84	1	these	these	DET
fsr-4128	84	2	themes	theme	NOUN
fsr-4128	84	3	were	be	AUX
fsr-4128	84	4	then	then	ADV
fsr-4128	84	5	grouped	group	VERB
fsr-4128	84	6	into	into	ADP
fsr-4128	84	7	four	four	NUM
fsr-4128	84	8	main	main	ADJ
fsr-4128	84	9	themes	theme	NOUN
fsr-4128	84	10	(	(	PUNCT
fsr-4128	84	11	financial	financial	ADJ
fsr-4128	84	12	wellbeing	wellbeing	NOUN
fsr-4128	84	13	,	,	PUNCT
fsr-4128	84	14	other	other	ADJ
fsr-4128	84	15	aspects	aspect	NOUN
fsr-4128	84	16	of	of	ADP
fsr-4128	84	17	wellbeing	wellbee	VERB
fsr-4128	84	18	,	,	PUNCT
fsr-4128	84	19	quality	quality	NOUN
fsr-4128	84	20	of	of	ADP
fsr-4128	84	21	advice	advice	NOUN
fsr-4128	84	22	,	,	PUNCT
fsr-4128	84	23	and	and	CCONJ
fsr-4128	84	24	moderating	moderating	NOUN
fsr-4128	84	25	factors	factor	NOUN
fsr-4128	84	26	)	)	PUNCT
fsr-4128	84	27	,	,	PUNCT
fsr-4128	84	28	which	which	PRON
fsr-4128	84	29	are	be	AUX
fsr-4128	84	30	summarized	summarize	VERB
fsr-4128	84	31	in	in	ADP
fsr-4128	84	32	table	table	NOUN
fsr-4128	84	33	1	1	NUM
fsr-4128	84	34	and	and	CCONJ
fsr-4128	84	35	form	form	VERB
fsr-4128	84	36	the	the	DET
fsr-4128	84	37	structure	structure	NOUN
fsr-4128	84	38	for	for	ADP
fsr-4128	84	39	our	our	PRON
fsr-4128	84	40	review	review	NOUN
fsr-4128	84	41	.	.	PUNCT
fsr-4128	85	1	table	table	NOUN
fsr-4128	85	2	1	1	NUM
fsr-4128	85	3	.	.	PUNCT
fsr-4128	86	1	themes	theme	NOUN
fsr-4128	86	2	and	and	CCONJ
fsr-4128	86	3	sub	sub	NOUN
fsr-4128	86	4	-	-	ADJ
fsr-4128	86	5	themes	theme	NOUN
fsr-4128	86	6	financial	financial	ADJ
fsr-4128	86	7	wellbeing	wellbee	VERB
fsr-4128	86	8	objective	objective	ADJ
fsr-4128	86	9	measures	measure	NOUN
fsr-4128	86	10	debt	debt	NOUN
fsr-4128	86	11	fees	fee	NOUN
fsr-4128	86	12	/	/	SYM
fsr-4128	86	13	costs	cost	VERB
fsr-4128	86	14	goal	goal	NOUN
fsr-4128	86	15	achievement	achievement	NOUN
fsr-4128	86	16	income	income	NOUN
fsr-4128	86	17	/	/	SYM
fsr-4128	86	18	welfare	welfare	NOUN
fsr-4128	86	19	benefits	benefit	NOUN
fsr-4128	86	20	insurance	insurance	NOUN
fsr-4128	86	21	investment	investment	NOUN
fsr-4128	86	22	performance	performance	NOUN
fsr-4128	86	23	portfolio	portfolio	NOUN
fsr-4128	86	24	construction	construction	NOUN
fsr-4128	86	25	risk	risk	NOUN
fsr-4128	86	26	trading	trading	NOUN
fsr-4128	86	27	activity	activity	NOUN
fsr-4128	86	28	tax	tax	NOUN
fsr-4128	86	29	efficiency	efficiency	NOUN
fsr-4128	86	30	wealth	wealth	NOUN
fsr-4128	86	31	other	other	ADJ
fsr-4128	86	32	aspects	aspect	NOUN
fsr-4128	86	33	of	of	ADP
fsr-4128	86	34	wellbeing	wellbee	VERB
fsr-4128	86	35	mental	mental	ADJ
fsr-4128	86	36	wellbeing	wellbee	VERB
fsr-4128	86	37	physical	physical	ADJ
fsr-4128	86	38	wellbeing	wellbee	VERB
fsr-4128	86	39	social	social	ADJ
fsr-4128	86	40	wellbeing	wellbee	VERB
fsr-4128	86	41	quality	quality	NOUN
fsr-4128	86	42	of	of	ADP
fsr-4128	86	43	advice	advice	NOUN
fsr-4128	86	44	relationship	relationship	NOUN
fsr-4128	86	45	quality	quality	NOUN
fsr-4128	86	46	satisfaction	satisfaction	NOUN
fsr-4128	86	47	with	with	ADP
fsr-4128	86	48	advice	advice	NOUN
fsr-4128	86	49	moderating	moderate	VERB
fsr-4128	86	50	factors	factor	NOUN
fsr-4128	86	51	advisor	advisor	NOUN
fsr-4128	86	52	factors	factor	NOUN
fsr-4128	86	53	client	client	NOUN
fsr-4128	86	54	factors	factor	VERB
fsr-4128	86	55	environmental	environmental	ADJ
fsr-4128	86	56	factors	factor	NOUN
fsr-4128	86	57	financial	financial	ADJ
fsr-4128	86	58	services	service	NOUN
fsr-4128	86	59	review	review	NOUN
fsr-4128	86	60	,	,	PUNCT
fsr-4128	86	61	33(4	33(4	NUM
fsr-4128	86	62	)	)	PUNCT
fsr-4128	86	63	138	138	NUM
fsr-4128	86	64	table	table	NOUN
fsr-4128	86	65	1	1	NUM
fsr-4128	86	66	continues	continue	VERB
fsr-4128	86	67	on	on	ADP
fsr-4128	86	68	next	next	ADJ
fsr-4128	86	69	page	page	NOUN
fsr-4128	86	70	.	.	PUNCT
fsr-4128	87	1	table	table	NOUN
fsr-4128	87	2	1	1	NUM
fsr-4128	87	3	continued	continue	VERB
fsr-4128	87	4	.	.	PUNCT
fsr-4128	88	1	subjective	subjective	ADJ
fsr-4128	88	2	measures	measure	NOUN
fsr-4128	88	3	financial	financial	ADJ
fsr-4128	88	4	capability	capability	NOUN
fsr-4128	88	5	(	(	PUNCT
fsr-4128	88	6	includes	include	VERB
fsr-4128	88	7	financial	financial	ADJ
fsr-4128	88	8	knowledge	knowledge	NOUN
fsr-4128	88	9	/	/	SYM
fsr-4128	88	10	literacy	literacy	NOUN
fsr-4128	88	11	*	*	PUNCT
fsr-4128	88	12	,	,	PUNCT
fsr-4128	88	13	attitudes	attitude	NOUN
fsr-4128	88	14	and	and	CCONJ
fsr-4128	88	15	behaviors	behavior	NOUN
fsr-4128	88	16	)	)	PUNCT
fsr-4128	88	17	financial	financial	ADJ
fsr-4128	88	18	satisfaction	satisfaction	NOUN
fsr-4128	88	19	financial	financial	ADJ
fsr-4128	88	20	self	self	NOUN
fsr-4128	88	21	-	-	PUNCT
fsr-4128	88	22	efficacy	efficacy	NOUN
fsr-4128	88	23	financial	financial	ADJ
fsr-4128	88	24	situation	situation	NOUN
fsr-4128	88	25	*	*	PUNCT
fsr-4128	88	26	*	*	PUNCT
fsr-4128	88	27	incorporates	incorporate	VERB
fsr-4128	88	28	subjective	subjective	ADJ
fsr-4128	88	29	and	and	CCONJ
fsr-4128	88	30	objective	objective	ADJ
fsr-4128	88	31	measures	measure	NOUN
fsr-4128	88	32	.	.	PUNCT
fsr-4128	89	1	financial	financial	ADJ
fsr-4128	89	2	wellbeing	wellbeing	NOUN
fsr-4128	89	3	as	as	SCONJ
fsr-4128	89	4	expected	expect	VERB
fsr-4128	89	5	,	,	PUNCT
fsr-4128	89	6	outcomes	outcome	NOUN
fsr-4128	89	7	pertaining	pertain	VERB
fsr-4128	89	8	to	to	ADP
fsr-4128	89	9	the	the	DET
fsr-4128	89	10	client	client	NOUN
fsr-4128	89	11	’s	’s	PART
fsr-4128	89	12	financial	financial	ADJ
fsr-4128	89	13	wellbeing	wellbeing	NOUN
fsr-4128	89	14	were	be	AUX
fsr-4128	89	15	the	the	DET
fsr-4128	89	16	most	most	ADV
fsr-4128	89	17	frequently	frequently	ADV
fsr-4128	89	18	identified	identify	VERB
fsr-4128	89	19	in	in	ADP
fsr-4128	89	20	the	the	DET
fsr-4128	89	21	literature	literature	NOUN
fsr-4128	89	22	.	.	PUNCT
fsr-4128	90	1	while	while	SCONJ
fsr-4128	90	2	financial	financial	ADJ
fsr-4128	90	3	wellbeing	wellbeing	NOUN
fsr-4128	90	4	lacks	lack	VERB
fsr-4128	90	5	a	a	DET
fsr-4128	90	6	universally	universally	ADV
fsr-4128	90	7	accepted	accept	VERB
fsr-4128	90	8	definition	definition	NOUN
fsr-4128	90	9	(	(	PUNCT
fsr-4128	90	10	brüggen	brüggen	NOUN
fsr-4128	90	11	et	et	PROPN
fsr-4128	90	12	al	al	PROPN
fsr-4128	90	13	.	.	PROPN
fsr-4128	90	14	,	,	PUNCT
fsr-4128	90	15	2017	2017	NUM
fsr-4128	90	16	;	;	PUNCT
fsr-4128	90	17	kempson	kempson	PROPN
fsr-4128	90	18	et	et	PROPN
fsr-4128	90	19	al	al	PROPN
fsr-4128	90	20	.	.	PROPN
fsr-4128	90	21	,	,	PUNCT
fsr-4128	90	22	2017	2017	NUM
fsr-4128	90	23	;	;	PUNCT
fsr-4128	90	24	nguyen	nguyen	NOUN
fsr-4128	90	25	,	,	PUNCT
fsr-4128	90	26	2022	2022	NUM
fsr-4128	90	27	)	)	PUNCT
fsr-4128	90	28	,	,	PUNCT
fsr-4128	90	29	a	a	DET
fsr-4128	90	30	commonly	commonly	ADV
fsr-4128	90	31	cited	cite	VERB
fsr-4128	90	32	definition	definition	NOUN
fsr-4128	90	33	by	by	ADP
fsr-4128	90	34	the	the	DET
fsr-4128	90	35	consumer	consumer	NOUN
fsr-4128	90	36	financial	financial	PROPN
fsr-4128	90	37	protection	protection	PROPN
fsr-4128	90	38	bureau	bureau	PROPN
fsr-4128	90	39	(	(	PUNCT
fsr-4128	90	40	cfpb	cfpb	NOUN
fsr-4128	90	41	,	,	PUNCT
fsr-4128	90	42	2015	2015	NUM
fsr-4128	90	43	,	,	PUNCT
fsr-4128	90	44	p.	p.	NOUN
fsr-4128	90	45	18	18	NUM
fsr-4128	90	46	)	)	PUNCT
fsr-4128	90	47	describes	describe	VERB
fsr-4128	90	48	the	the	DET
fsr-4128	90	49	construct	construct	NOUN
fsr-4128	90	50	as	as	ADP
fsr-4128	90	51	“	"	PUNCT
fsr-4128	90	52	a	a	DET
fsr-4128	90	53	state	state	NOUN
fsr-4128	90	54	wherein	wherein	SCONJ
fsr-4128	90	55	a	a	DET
fsr-4128	90	56	person	person	NOUN
fsr-4128	90	57	can	can	AUX
fsr-4128	90	58	fully	fully	ADV
fsr-4128	90	59	meet	meet	VERB
fsr-4128	90	60	current	current	ADJ
fsr-4128	90	61	and	and	CCONJ
fsr-4128	90	62	ongoing	ongoing	ADJ
fsr-4128	90	63	financial	financial	ADJ
fsr-4128	90	64	obligations	obligation	NOUN
fsr-4128	90	65	,	,	PUNCT
fsr-4128	90	66	can	can	AUX
fsr-4128	90	67	feel	feel	VERB
fsr-4128	90	68	secure	secure	ADJ
fsr-4128	90	69	in	in	ADP
fsr-4128	90	70	their	their	PRON
fsr-4128	90	71	financial	financial	ADJ
fsr-4128	90	72	future	future	NOUN
fsr-4128	90	73	,	,	PUNCT
fsr-4128	90	74	and	and	CCONJ
fsr-4128	90	75	is	be	AUX
fsr-4128	90	76	able	able	ADJ
fsr-4128	90	77	to	to	PART
fsr-4128	90	78	make	make	VERB
fsr-4128	90	79	choices	choice	NOUN
fsr-4128	90	80	that	that	PRON
fsr-4128	90	81	allow	allow	VERB
fsr-4128	90	82	enjoyment	enjoyment	NOUN
fsr-4128	90	83	of	of	ADP
fsr-4128	90	84	life	life	NOUN
fsr-4128	90	85	”	"	PUNCT
fsr-4128	90	86	.	.	PUNCT
fsr-4128	91	1	this	this	DET
fsr-4128	91	2	definition	definition	NOUN
fsr-4128	91	3	acknowledges	acknowledge	VERB
fsr-4128	91	4	the	the	DET
fsr-4128	91	5	subjective	subjective	ADJ
fsr-4128	91	6	elements	element	NOUN
fsr-4128	91	7	of	of	ADP
fsr-4128	91	8	financial	financial	ADJ
fsr-4128	91	9	wellbeing	wellbeing	NOUN
fsr-4128	91	10	(	(	PUNCT
fsr-4128	91	11	regarding	regard	VERB
fsr-4128	91	12	security	security	NOUN
fsr-4128	91	13	and	and	CCONJ
fsr-4128	91	14	quality	quality	NOUN
fsr-4128	91	15	of	of	ADP
fsr-4128	91	16	life	life	NOUN
fsr-4128	91	17	)	)	PUNCT
fsr-4128	91	18	,	,	PUNCT
fsr-4128	91	19	implies	imply	VERB
fsr-4128	91	20	that	that	SCONJ
fsr-4128	91	21	personal	personal	ADJ
fsr-4128	91	22	characteristics	characteristic	NOUN
fsr-4128	91	23	(	(	PUNCT
fsr-4128	91	24	such	such	ADJ
fsr-4128	91	25	as	as	ADP
fsr-4128	91	26	financial	financial	ADJ
fsr-4128	91	27	knowledge	knowledge	NOUN
fsr-4128	91	28	and	and	CCONJ
fsr-4128	91	29	behaviors	behavior	NOUN
fsr-4128	91	30	)	)	PUNCT
fsr-4128	91	31	are	be	AUX
fsr-4128	91	32	influential	influential	ADJ
fsr-4128	91	33	in	in	ADP
fsr-4128	91	34	making	make	VERB
fsr-4128	91	35	financial	financial	ADJ
fsr-4128	91	36	choices	choice	NOUN
fsr-4128	91	37	,	,	PUNCT
fsr-4128	91	38	and	and	CCONJ
fsr-4128	91	39	allows	allow	VERB
fsr-4128	91	40	for	for	ADP
fsr-4128	91	41	measurement	measurement	NOUN
fsr-4128	91	42	of	of	ADP
fsr-4128	91	43	objective	objective	ADJ
fsr-4128	91	44	outcomes	outcome	NOUN
fsr-4128	91	45	.	.	PUNCT
fsr-4128	92	1	however	however	ADV
fsr-4128	92	2	,	,	PUNCT
fsr-4128	92	3	elements	element	NOUN
fsr-4128	92	4	featuring	feature	VERB
fsr-4128	92	5	in	in	ADP
fsr-4128	92	6	other	other	ADJ
fsr-4128	92	7	financial	financial	ADJ
fsr-4128	92	8	wellbeing	wellbee	VERB
fsr-4128	92	9	definitions	definition	NOUN
fsr-4128	92	10	,	,	PUNCT
fsr-4128	92	11	such	such	ADJ
fsr-4128	92	12	as	as	ADP
fsr-4128	92	13	financial	financial	ADJ
fsr-4128	92	14	satisfaction	satisfaction	NOUN
fsr-4128	92	15	(	(	PUNCT
fsr-4128	92	16	joo	joo	NOUN
fsr-4128	92	17	,	,	PUNCT
fsr-4128	92	18	2018	2018	NUM
fsr-4128	92	19	)	)	PUNCT
fsr-4128	92	20	and	and	CCONJ
fsr-4128	92	21	the	the	DET
fsr-4128	92	22	individual	individual	NOUN
fsr-4128	92	23	’s	’s	PART
fsr-4128	92	24	environment	environment	NOUN
fsr-4128	92	25	and	and	CCONJ
fsr-4128	92	26	life	life	NOUN
fsr-4128	92	27	stage	stage	NOUN
fsr-4128	92	28	(	(	PUNCT
fsr-4128	92	29	salignac	salignac	NOUN
fsr-4128	92	30	et	et	PROPN
fsr-4128	92	31	al	al	PROPN
fsr-4128	92	32	.	.	PROPN
fsr-4128	92	33	,	,	PUNCT
fsr-4128	92	34	2020	2020	NUM
fsr-4128	92	35	)	)	PUNCT
fsr-4128	92	36	,	,	PUNCT
fsr-4128	92	37	are	be	AUX
fsr-4128	92	38	missing	miss	VERB
fsr-4128	92	39	from	from	ADP
fsr-4128	92	40	the	the	DET
fsr-4128	92	41	cfpb	cfpb	NOUN
fsr-4128	92	42	(	(	PUNCT
fsr-4128	92	43	2015	2015	NUM
fsr-4128	92	44	)	)	PUNCT
fsr-4128	92	45	definition	definition	NOUN
fsr-4128	92	46	,	,	PUNCT
fsr-4128	92	47	which	which	PRON
fsr-4128	92	48	adds	add	VERB
fsr-4128	92	49	to	to	ADP
fsr-4128	92	50	the	the	DET
fsr-4128	92	51	ambiguity	ambiguity	NOUN
fsr-4128	92	52	surrounding	surround	VERB
fsr-4128	92	53	the	the	DET
fsr-4128	92	54	construct	construct	NOUN
fsr-4128	92	55	.	.	PUNCT
fsr-4128	93	1	while	while	SCONJ
fsr-4128	93	2	objective	objective	ADJ
fsr-4128	93	3	measures	measure	NOUN
fsr-4128	93	4	,	,	PUNCT
fsr-4128	93	5	such	such	ADJ
fsr-4128	93	6	as	as	ADP
fsr-4128	93	7	income	income	NOUN
fsr-4128	93	8	,	,	PUNCT
fsr-4128	93	9	wealth	wealth	NOUN
fsr-4128	93	10	,	,	PUNCT
fsr-4128	93	11	and	and	CCONJ
fsr-4128	93	12	debt	debt	NOUN
fsr-4128	93	13	provide	provide	VERB
fsr-4128	93	14	tangible	tangible	ADJ
fsr-4128	93	15	evidence	evidence	NOUN
fsr-4128	93	16	of	of	ADP
fsr-4128	93	17	an	an	DET
fsr-4128	93	18	individual	individual	NOUN
fsr-4128	93	19	’s	’s	PART
fsr-4128	93	20	financial	financial	ADJ
fsr-4128	93	21	situation	situation	NOUN
fsr-4128	93	22	,	,	PUNCT
fsr-4128	93	23	many	many	ADJ
fsr-4128	93	24	studies	study	NOUN
fsr-4128	93	25	rely	rely	VERB
fsr-4128	93	26	on	on	ADP
fsr-4128	93	27	subjective	subjective	ADJ
fsr-4128	93	28	measures	measure	NOUN
fsr-4128	93	29	such	such	ADJ
fsr-4128	93	30	as	as	ADP
fsr-4128	93	31	individuals	individual	NOUN
fsr-4128	93	32	’	'	PUNCT
fsr-4128	93	33	perceptions	perception	NOUN
fsr-4128	93	34	which	which	PRON
fsr-4128	93	35	are	be	AUX
fsr-4128	93	36	subject	subject	ADJ
fsr-4128	93	37	to	to	ADP
fsr-4128	93	38	recall	recall	VERB
fsr-4128	93	39	error	error	NOUN
fsr-4128	93	40	and	and	CCONJ
fsr-4128	93	41	social	social	ADJ
fsr-4128	93	42	desirability	desirability	NOUN
fsr-4128	93	43	bias	bias	NOUN
fsr-4128	93	44	(	(	PUNCT
fsr-4128	93	45	comerton‐forde	comerton‐forde	PROPN
fsr-4128	93	46	et	et	PROPN
fsr-4128	93	47	al	al	PROPN
fsr-4128	93	48	.	.	PROPN
fsr-4128	93	49	,	,	PUNCT
fsr-4128	93	50	2022	2022	NUM
fsr-4128	93	51	)	)	PUNCT
fsr-4128	93	52	.	.	PUNCT
fsr-4128	94	1	further	far	ADV
fsr-4128	94	2	complicating	complicate	VERB
fsr-4128	94	3	the	the	DET
fsr-4128	94	4	conceptualization	conceptualization	NOUN
fsr-4128	94	5	of	of	ADP
fsr-4128	94	6	financial	financial	ADJ
fsr-4128	94	7	wellbeing	wellbeing	NOUN
fsr-4128	94	8	are	be	AUX
fsr-4128	94	9	variations	variation	NOUN
fsr-4128	94	10	on	on	ADP
fsr-4128	94	11	whether	whether	SCONJ
fsr-4128	94	12	indicators	indicator	NOUN
fsr-4128	94	13	of	of	ADP
fsr-4128	94	14	financial	financial	ADJ
fsr-4128	94	15	behavior	behavior	NOUN
fsr-4128	94	16	,	,	PUNCT
fsr-4128	94	17	attitudes	attitude	NOUN
fsr-4128	94	18	and	and	CCONJ
fsr-4128	94	19	knowledge	knowledge	NOUN
fsr-4128	94	20	(	(	PUNCT
fsr-4128	94	21	together	together	ADV
fsr-4128	94	22	referred	refer	VERB
fsr-4128	94	23	to	to	ADP
fsr-4128	94	24	as	as	ADP
fsr-4128	94	25	financial	financial	ADJ
fsr-4128	94	26	capability	capability	NOUN
fsr-4128	94	27	)	)	PUNCT
fsr-4128	94	28	are	be	AUX
fsr-4128	94	29	included	include	VERB
fsr-4128	94	30	as	as	ADP
fsr-4128	94	31	components	component	NOUN
fsr-4128	94	32	of	of	ADP
fsr-4128	94	33	financial	financial	ADJ
fsr-4128	94	34	wellbeing	wellbee	VERB
fsr-4128	94	35	(	(	PUNCT
fsr-4128	94	36	e.g.	e.g.	ADV
fsr-4128	94	37	,	,	PUNCT
fsr-4128	94	38	kempson	kempson	PROPN
fsr-4128	94	39	et	et	PROPN
fsr-4128	94	40	al	al	PROPN
fsr-4128	94	41	.	.	PROPN
fsr-4128	94	42	,	,	PUNCT
fsr-4128	94	43	2017	2017	NUM
fsr-4128	94	44	)	)	PUNCT
fsr-4128	94	45	or	or	CCONJ
fsr-4128	94	46	viewed	view	VERB
fsr-4128	94	47	as	as	ADP
fsr-4128	94	48	external	external	ADJ
fsr-4128	94	49	influences	influence	NOUN
fsr-4128	94	50	(	(	PUNCT
fsr-4128	94	51	e.g.	e.g.	ADV
fsr-4128	94	52	,	,	PUNCT
fsr-4128	94	53	fu	fu	ADJ
fsr-4128	94	54	,	,	PUNCT
fsr-4128	94	55	2020	2020	NUM
fsr-4128	94	56	;	;	PUNCT
fsr-4128	94	57	muir	muir	PROPN
fsr-4128	94	58	et	et	PROPN
fsr-4128	94	59	al	al	PROPN
fsr-4128	94	60	.	.	PROPN
fsr-4128	94	61	,	,	PUNCT
fsr-4128	94	62	2017	2017	NUM
fsr-4128	94	63	)	)	PUNCT
fsr-4128	94	64	.	.	PUNCT
fsr-4128	95	1	a	a	DET
fsr-4128	95	2	lack	lack	NOUN
fsr-4128	95	3	of	of	ADP
fsr-4128	95	4	clarity	clarity	NOUN
fsr-4128	95	5	and	and	CCONJ
fsr-4128	95	6	consistency	consistency	NOUN
fsr-4128	95	7	therefore	therefore	ADV
fsr-4128	95	8	permeates	permeate	VERB
fsr-4128	95	9	both	both	CCONJ
fsr-4128	95	10	the	the	DET
fsr-4128	95	11	definition	definition	NOUN
fsr-4128	95	12	and	and	CCONJ
fsr-4128	95	13	conceptualization	conceptualization	NOUN
fsr-4128	95	14	of	of	ADP
fsr-4128	95	15	financial	financial	ADJ
fsr-4128	95	16	wellbeing	wellbeing	NOUN
fsr-4128	95	17	,	,	PUNCT
fsr-4128	95	18	and	and	CCONJ
fsr-4128	95	19	few	few	ADJ
fsr-4128	95	20	studies	study	NOUN
fsr-4128	95	21	attempt	attempt	VERB
fsr-4128	95	22	to	to	PART
fsr-4128	95	23	measure	measure	VERB
fsr-4128	95	24	the	the	DET
fsr-4128	95	25	construct	construct	NOUN
fsr-4128	95	26	holistically	holistically	ADV
fsr-4128	95	27	.	.	PUNCT
fsr-4128	96	1	instead	instead	ADV
fsr-4128	96	2	,	,	PUNCT
fsr-4128	96	3	financial	financial	ADJ
fsr-4128	96	4	wellbeing	wellbee	VERB
fsr-4128	96	5	research	research	NOUN
fsr-4128	96	6	has	have	AUX
fsr-4128	96	7	been	be	AUX
fsr-4128	96	8	criticized	criticize	VERB
fsr-4128	96	9	for	for	ADP
fsr-4128	96	10	relying	rely	VERB
fsr-4128	96	11	“	"	PUNCT
fsr-4128	96	12	on	on	ADP
fsr-4128	96	13	measures	measure	NOUN
fsr-4128	96	14	of	of	ADP
fsr-4128	96	15	convenience	convenience	NOUN
fsr-4128	96	16	,	,	PUNCT
fsr-4128	96	17	rather	rather	ADV
fsr-4128	96	18	than	than	ADP
fsr-4128	96	19	measures	measure	NOUN
fsr-4128	96	20	that	that	PRON
fsr-4128	96	21	are	be	AUX
fsr-4128	96	22	carefully	carefully	ADV
fsr-4128	96	23	conceived	conceive	VERB
fsr-4128	96	24	or	or	CCONJ
fsr-4128	96	25	formally	formally	ADV
fsr-4128	96	26	developed	develop	VERB
fsr-4128	96	27	”	"	PUNCT
fsr-4128	96	28	(	(	PUNCT
fsr-4128	96	29	comerton‐forde	comerton‐forde	PROPN
fsr-4128	96	30	et	et	PROPN
fsr-4128	96	31	al	al	PROPN
fsr-4128	96	32	.	.	PROPN
fsr-4128	96	33	,	,	PUNCT
fsr-4128	96	34	2022	2022	NUM
fsr-4128	96	35	,	,	PUNCT
fsr-4128	96	36	p.	p.	NOUN
fsr-4128	96	37	134	134	NUM
fsr-4128	96	38	)	)	PUNCT
fsr-4128	96	39	.	.	PUNCT
fsr-4128	97	1	to	to	PART
fsr-4128	97	2	illustrate	illustrate	VERB
fsr-4128	97	3	,	,	PUNCT
fsr-4128	97	4	kim	kim	PROPN
fsr-4128	97	5	et	et	PROPN
fsr-4128	97	6	al	al	PROPN
fsr-4128	97	7	.	.	PROPN
fsr-4128	98	1	(	(	PUNCT
fsr-4128	98	2	2003	2003	NUM
fsr-4128	98	3	)	)	PUNCT
fsr-4128	98	4	operationalized	operationalize	VERB
fsr-4128	98	5	financial	financial	ADJ
fsr-4128	98	6	wellbeing	wellbeing	NOUN
fsr-4128	98	7	using	use	VERB
fsr-4128	98	8	four	four	NUM
fsr-4128	98	9	subjective	subjective	ADJ
fsr-4128	98	10	measures	measure	NOUN
fsr-4128	98	11	adapted	adapt	VERB
fsr-4128	98	12	from	from	ADP
fsr-4128	98	13	porter	porter	NOUN
fsr-4128	98	14	(	(	PUNCT
fsr-4128	98	15	1990	1990	NUM
fsr-4128	98	16	)	)	PUNCT
fsr-4128	98	17	and	and	CCONJ
fsr-4128	98	18	joo	joo	PROPN
fsr-4128	98	19	(	(	PUNCT
fsr-4128	98	20	1998	1998	NUM
fsr-4128	98	21	):	):	PUNCT
fsr-4128	98	22	“	"	PUNCT
fsr-4128	98	23	satisfaction	satisfaction	NOUN
fsr-4128	98	24	with	with	ADP
fsr-4128	98	25	personal	personal	ADJ
fsr-4128	98	26	financial	financial	ADJ
fsr-4128	98	27	situation	situation	NOUN
fsr-4128	98	28	”	"	PUNCT
fsr-4128	98	29	;	;	PUNCT
fsr-4128	98	30	“	"	PUNCT
fsr-4128	98	31	perceived	perceive	VERB
fsr-4128	98	32	financial	financial	ADJ
fsr-4128	98	33	wellness	wellness	NOUN
fsr-4128	98	34	”	"	PUNCT
fsr-4128	98	35	;	;	PUNCT
fsr-4128	98	36	“	"	PUNCT
fsr-4128	98	37	feelings	feeling	NOUN
fsr-4128	98	38	about	about	ADP
fsr-4128	98	39	current	current	ADJ
fsr-4128	98	40	financial	financial	ADJ
fsr-4128	98	41	situation	situation	NOUN
fsr-4128	98	42	”	"	PUNCT
fsr-4128	98	43	;	;	PUNCT
fsr-4128	98	44	and	and	CCONJ
fsr-4128	98	45	“	"	PUNCT
fsr-4128	98	46	level	level	NOUN
fsr-4128	98	47	of	of	ADP
fsr-4128	98	48	stress	stress	NOUN
fsr-4128	98	49	about	about	ADP
fsr-4128	98	50	personal	personal	ADJ
fsr-4128	98	51	finance	finance	NOUN
fsr-4128	98	52	”	"	PUNCT
fsr-4128	98	53	.	.	PUNCT
fsr-4128	99	1	financial	financial	ADJ
fsr-4128	99	2	behaviors	behavior	NOUN
fsr-4128	99	3	were	be	AUX
fsr-4128	99	4	absent	absent	ADJ
fsr-4128	99	5	in	in	ADP
fsr-4128	99	6	this	this	DET
fsr-4128	99	7	definition	definition	NOUN
fsr-4128	99	8	,	,	PUNCT
fsr-4128	99	9	but	but	CCONJ
fsr-4128	99	10	the	the	DET
fsr-4128	99	11	five	five	NUM
fsr-4128	99	12	variables	variable	NOUN
fsr-4128	99	13	representing	represent	VERB
fsr-4128	99	14	financial	financial	ADJ
fsr-4128	99	15	behaviors	behavior	NOUN
fsr-4128	99	16	(	(	PUNCT
fsr-4128	99	17	“	"	PUNCT
fsr-4128	99	18	developed	develop	VERB
fsr-4128	99	19	a	a	DET
fsr-4128	99	20	plan	plan	NOUN
fsr-4128	99	21	for	for	ADP
fsr-4128	99	22	my	my	PRON
fsr-4128	99	23	financial	financial	ADJ
fsr-4128	99	24	future	future	NOUN
fsr-4128	99	25	”	"	PUNCT
fsr-4128	99	26	;	;	PUNCT
fsr-4128	99	27	“	"	PUNCT
fsr-4128	99	28	started	start	VERB
fsr-4128	99	29	or	or	CCONJ
fsr-4128	99	30	increased	increase	VERB
fsr-4128	99	31	my	my	PRON
fsr-4128	99	32	savings	saving	NOUN
fsr-4128	99	33	”	"	PUNCT
fsr-4128	99	34	;	;	PUNCT
fsr-4128	99	35	“	"	PUNCT
fsr-4128	99	36	reduced	reduce	VERB
fsr-4128	99	37	some	some	PRON
fsr-4128	99	38	of	of	ADP
fsr-4128	99	39	my	my	PRON
fsr-4128	99	40	personal	personal	ADJ
fsr-4128	99	41	debts	debt	NOUN
fsr-4128	99	42	”	"	PUNCT
fsr-4128	99	43	;	;	PUNCT
fsr-4128	99	44	“	"	PUNCT
fsr-4128	99	45	followed	follow	VERB
fsr-4128	99	46	a	a	DET
fsr-4128	99	47	budget	budget	NOUN
fsr-4128	99	48	or	or	CCONJ
fsr-4128	99	49	spending	spending	NOUN
fsr-4128	99	50	plan	plan	NOUN
fsr-4128	99	51	”	"	PUNCT
fsr-4128	99	52	;	;	PUNCT
fsr-4128	99	53	and	and	CCONJ
fsr-4128	99	54	“	"	PUNCT
fsr-4128	99	55	cut	cut	VERB
fsr-4128	99	56	down	down	ADP
fsr-4128	99	57	on	on	ADP
fsr-4128	99	58	living	living	NOUN
fsr-4128	99	59	expenses	expense	NOUN
fsr-4128	99	60	”	"	PUNCT
fsr-4128	99	61	)	)	PUNCT
fsr-4128	99	62	were	be	AUX
fsr-4128	99	63	instead	instead	ADV
fsr-4128	99	64	found	find	VERB
fsr-4128	99	65	to	to	PART
fsr-4128	99	66	be	be	AUX
fsr-4128	99	67	an	an	DET
fsr-4128	99	68	external	external	ADJ
fsr-4128	99	69	influence	influence	NOUN
fsr-4128	99	70	on	on	ADP
fsr-4128	99	71	financial	financial	ADJ
fsr-4128	99	72	wellbeing	wellbee	VERB
fsr-4128	99	73	(	(	PUNCT
fsr-4128	99	74	kim	kim	PROPN
fsr-4128	99	75	et	et	PROPN
fsr-4128	99	76	al	al	PROPN
fsr-4128	99	77	.	.	PROPN
fsr-4128	99	78	,	,	PUNCT
fsr-4128	99	79	2003	2003	NUM
fsr-4128	99	80	)	)	PUNCT
fsr-4128	99	81	.	.	PUNCT
fsr-4128	100	1	in	in	ADP
fsr-4128	100	2	contrast	contrast	NOUN
fsr-4128	100	3	,	,	PUNCT
fsr-4128	100	4	based	base	VERB
fsr-4128	100	5	on	on	ADP
fsr-4128	100	6	the	the	DET
fsr-4128	100	7	work	work	NOUN
fsr-4128	100	8	of	of	ADP
fsr-4128	100	9	ladha	ladha	PROPN
fsr-4128	100	10	et	et	PROPN
fsr-4128	100	11	al	al	PROPN
fsr-4128	100	12	.	.	PROPN
fsr-4128	100	13	(	(	PUNCT
fsr-4128	100	14	2017	2017	NUM
fsr-4128	100	15	)	)	PUNCT
fsr-4128	100	16	,	,	PUNCT
fsr-4128	100	17	fu	fu	NOUN
fsr-4128	100	18	(	(	PUNCT
fsr-4128	100	19	2020	2020	NUM
fsr-4128	100	20	)	)	PUNCT
fsr-4128	100	21	includes	include	VERB
fsr-4128	100	22	both	both	CCONJ
fsr-4128	100	23	subjective	subjective	ADJ
fsr-4128	100	24	and	and	CCONJ
fsr-4128	100	25	objective	objective	ADJ
fsr-4128	100	26	measures	measure	NOUN
fsr-4128	100	27	:	:	PUNCT
fsr-4128	100	28	“	"	PUNCT
fsr-4128	100	29	balance	balance	NOUN
fsr-4128	100	30	income	income	NOUN
fsr-4128	100	31	and	and	CCONJ
fsr-4128	100	32	expenses	expense	NOUN
fsr-4128	100	33	”	"	PUNCT
fsr-4128	100	34	;	;	PUNCT
fsr-4128	100	35	“	"	PUNCT
fsr-4128	100	36	build	build	VERB
fsr-4128	100	37	and	and	CCONJ
fsr-4128	100	38	maintain	maintain	VERB
fsr-4128	100	39	reserves	reserve	NOUN
fsr-4128	100	40	”	"	PUNCT
fsr-4128	100	41	;	;	PUNCT
fsr-4128	100	42	“	"	PUNCT
fsr-4128	100	43	manage	manage	VERB
fsr-4128	100	44	existing	exist	VERB
fsr-4128	100	45	debts	debt	NOUN
fsr-4128	100	46	and	and	CCONJ
fsr-4128	100	47	has	have	VERB
fsr-4128	100	48	access	access	NOUN
fsr-4128	100	49	to	to	ADP
fsr-4128	100	50	potential	potential	ADJ
fsr-4128	100	51	resources	resource	NOUN
fsr-4128	100	52	”	"	PUNCT
fsr-4128	100	53	;	;	PUNCT
fsr-4128	100	54	“	"	PUNCT
fsr-4128	100	55	plan	plan	NOUN
fsr-4128	100	56	and	and	CCONJ
fsr-4128	100	57	prioritize	prioritize	VERB
fsr-4128	100	58	”	"	PUNCT
fsr-4128	100	59	;	;	PUNCT
fsr-4128	100	60	and	and	CCONJ
fsr-4128	100	61	“	"	PUNCT
fsr-4128	100	62	manage	manage	VERB
fsr-4128	100	63	and	and	CCONJ
fsr-4128	100	64	recover	recover	VERB
fsr-4128	100	65	from	from	ADP
fsr-4128	100	66	financial	financial	ADJ
fsr-4128	100	67	shocks	shock	NOUN
fsr-4128	100	68	”	"	PUNCT
fsr-4128	100	69	.	.	PUNCT
fsr-4128	101	1	nonetheless	nonetheless	ADV
fsr-4128	101	2	,	,	PUNCT
fsr-4128	101	3	ladha	ladha	PROPN
fsr-4128	101	4	et	et	PROPN
fsr-4128	101	5	al	al	PROPN
fsr-4128	101	6	.	.	PROPN
fsr-4128	102	1	(	(	PUNCT
fsr-4128	102	2	2017	2017	NUM
fsr-4128	102	3	)	)	PUNCT
fsr-4128	102	4	also	also	ADV
fsr-4128	102	5	include	include	VERB
fsr-4128	102	6	a	a	DET
fsr-4128	102	7	financial	financial	ADJ
fsr-4128	102	8	inclusion	inclusion	NOUN
fsr-4128	102	9	measure	measure	NOUN
fsr-4128	102	10	which	which	PRON
fsr-4128	102	11	fu	fu	NOUN
fsr-4128	102	12	(	(	PUNCT
fsr-4128	102	13	2020	2020	NUM
fsr-4128	102	14	)	)	PUNCT
fsr-4128	102	15	argues	argue	VERB
fsr-4128	102	16	is	be	AUX
fsr-4128	102	17	a	a	DET
fsr-4128	102	18	predictor	predictor	NOUN
fsr-4128	102	19	of	of	ADP
fsr-4128	102	20	financial	financial	ADJ
fsr-4128	102	21	wellbeing	wellbeing	NOUN
fsr-4128	102	22	rather	rather	ADV
fsr-4128	102	23	than	than	ADP
fsr-4128	102	24	an	an	DET
fsr-4128	102	25	outcome	outcome	NOUN
fsr-4128	102	26	.	.	PUNCT
fsr-4128	103	1	these	these	DET
fsr-4128	103	2	inconsistencies	inconsistency	NOUN
fsr-4128	103	3	complicate	complicate	VERB
fsr-4128	103	4	the	the	DET
fsr-4128	103	5	development	development	NOUN
fsr-4128	103	6	of	of	ADP
fsr-4128	103	7	a	a	DET
fsr-4128	103	8	framework	framework	NOUN
fsr-4128	103	9	for	for	ADP
fsr-4128	103	10	measuring	measure	VERB
fsr-4128	103	11	the	the	DET
fsr-4128	103	12	value	value	NOUN
fsr-4128	103	13	of	of	ADP
fsr-4128	103	14	financial	financial	ADJ
fsr-4128	103	15	advice	advice	NOUN
fsr-4128	103	16	for	for	ADP
fsr-4128	103	17	clients	client	NOUN
fsr-4128	103	18	,	,	PUNCT
fsr-4128	103	19	particularly	particularly	ADV
fsr-4128	103	20	over	over	ADP
fsr-4128	103	21	time	time	NOUN
fsr-4128	103	22	and	and	CCONJ
fsr-4128	103	23	across	across	ADP
fsr-4128	103	24	macdonald	macdonald	PROPN
fsr-4128	103	25	et	et	PROPN
fsr-4128	103	26	al	al	PROPN
fsr-4128	103	27	.	.	PROPN
fsr-4128	103	28	139	139	NUM
fsr-4128	103	29	jurisdictions	jurisdiction	NOUN
fsr-4128	103	30	,	,	PUNCT
fsr-4128	103	31	where	where	SCONJ
fsr-4128	103	32	not	not	PART
fsr-4128	103	33	only	only	ADV
fsr-4128	103	34	the	the	DET
fsr-4128	103	35	measures	measure	NOUN
fsr-4128	103	36	are	be	AUX
fsr-4128	103	37	changing	change	VERB
fsr-4128	103	38	,	,	PUNCT
fsr-4128	103	39	but	but	CCONJ
fsr-4128	103	40	the	the	DET
fsr-4128	103	41	macro	macro	ADJ
fsr-4128	103	42	-	-	ADJ
fsr-4128	103	43	economic	economic	ADJ
fsr-4128	103	44	and	and	CCONJ
fsr-4128	103	45	regulatory	regulatory	ADJ
fsr-4128	103	46	environments	environment	NOUN
fsr-4128	103	47	as	as	ADV
fsr-4128	103	48	well	well	ADV
fsr-4128	103	49	.	.	PUNCT
fsr-4128	104	1	this	this	PRON
fsr-4128	104	2	stymies	stymie	VERB
fsr-4128	104	3	the	the	DET
fsr-4128	104	4	development	development	NOUN
fsr-4128	104	5	of	of	ADP
fsr-4128	104	6	a	a	DET
fsr-4128	104	7	coherent	coherent	ADJ
fsr-4128	104	8	and	and	CCONJ
fsr-4128	104	9	consistent	consistent	ADJ
fsr-4128	104	10	body	body	NOUN
fsr-4128	104	11	of	of	ADP
fsr-4128	104	12	knowledge	knowledge	NOUN
fsr-4128	104	13	and	and	CCONJ
fsr-4128	104	14	limits	limit	VERB
fsr-4128	104	15	the	the	DET
fsr-4128	104	16	collective	collective	ADJ
fsr-4128	104	17	impact	impact	NOUN
fsr-4128	104	18	that	that	PRON
fsr-4128	104	19	research	research	NOUN
fsr-4128	104	20	can	can	AUX
fsr-4128	104	21	have	have	VERB
fsr-4128	104	22	on	on	ADP
fsr-4128	104	23	practice	practice	NOUN
fsr-4128	104	24	and	and	CCONJ
fsr-4128	104	25	policy	policy	NOUN
fsr-4128	104	26	.	.	PUNCT
fsr-4128	105	1	thus	thus	ADV
fsr-4128	105	2	,	,	PUNCT
fsr-4128	105	3	in	in	ADP
fsr-4128	105	4	our	our	PRON
fsr-4128	105	5	view	view	NOUN
fsr-4128	105	6	,	,	PUNCT
fsr-4128	105	7	the	the	DET
fsr-4128	105	8	field	field	NOUN
fsr-4128	105	9	of	of	ADP
fsr-4128	105	10	study	study	NOUN
fsr-4128	105	11	would	would	AUX
fsr-4128	105	12	benefit	benefit	VERB
fsr-4128	105	13	from	from	ADP
fsr-4128	105	14	a	a	DET
fsr-4128	105	15	more	more	ADV
fsr-4128	105	16	consistently	consistently	ADV
fsr-4128	105	17	applied	apply	VERB
fsr-4128	105	18	financial	financial	ADJ
fsr-4128	105	19	wellbeing	wellbee	VERB
fsr-4128	105	20	framework	framework	NOUN
fsr-4128	105	21	.	.	PUNCT
fsr-4128	106	1	objective	objective	ADJ
fsr-4128	106	2	measures	measure	NOUN
fsr-4128	106	3	historically	historically	ADV
fsr-4128	106	4	,	,	PUNCT
fsr-4128	106	5	research	research	NOUN
fsr-4128	106	6	on	on	ADP
fsr-4128	106	7	financial	financial	ADJ
fsr-4128	106	8	advice	advice	NOUN
fsr-4128	106	9	has	have	AUX
fsr-4128	106	10	concentrated	concentrate	VERB
fsr-4128	106	11	on	on	ADP
fsr-4128	106	12	its	its	PRON
fsr-4128	106	13	objective	objective	ADJ
fsr-4128	106	14	financial	financial	ADJ
fsr-4128	106	15	benefits	benefit	NOUN
fsr-4128	106	16	,	,	PUNCT
fsr-4128	106	17	particularly	particularly	ADV
fsr-4128	106	18	its	its	PRON
fsr-4128	106	19	impact	impact	NOUN
fsr-4128	106	20	on	on	ADP
fsr-4128	106	21	client	client	NOUN
fsr-4128	106	22	portfolio	portfolio	NOUN
fsr-4128	106	23	construction	construction	NOUN
fsr-4128	106	24	and	and	CCONJ
fsr-4128	106	25	investment	investment	NOUN
fsr-4128	106	26	performance	performance	NOUN
fsr-4128	106	27	.	.	PUNCT
fsr-4128	107	1	these	these	DET
fsr-4128	107	2	outcomes	outcome	NOUN
fsr-4128	107	3	are	be	AUX
fsr-4128	107	4	not	not	PART
fsr-4128	107	5	only	only	ADV
fsr-4128	107	6	tangible	tangible	ADJ
fsr-4128	107	7	but	but	CCONJ
fsr-4128	107	8	also	also	ADV
fsr-4128	107	9	align	align	VERB
fsr-4128	107	10	with	with	ADP
fsr-4128	107	11	the	the	DET
fsr-4128	107	12	expectations	expectation	NOUN
fsr-4128	107	13	of	of	ADP
fsr-4128	107	14	many	many	ADJ
fsr-4128	107	15	clients	client	NOUN
fsr-4128	107	16	,	,	PUNCT
fsr-4128	107	17	making	make	VERB
fsr-4128	107	18	them	they	PRON
fsr-4128	107	19	a	a	DET
fsr-4128	107	20	logical	logical	ADJ
fsr-4128	107	21	focus	focus	NOUN
fsr-4128	107	22	for	for	ADP
fsr-4128	107	23	empirical	empirical	ADJ
fsr-4128	107	24	analysis	analysis	NOUN
fsr-4128	107	25	.	.	PUNCT
fsr-4128	108	1	these	these	DET
fsr-4128	108	2	measures	measure	NOUN
fsr-4128	108	3	can	can	AUX
fsr-4128	108	4	also	also	ADV
fsr-4128	108	5	elicit	elicit	VERB
fsr-4128	108	6	more	more	ADV
fsr-4128	108	7	reliable	reliable	ADJ
fsr-4128	108	8	results	result	NOUN
fsr-4128	108	9	than	than	ADP
fsr-4128	108	10	subjective	subjective	ADJ
fsr-4128	108	11	data	datum	NOUN
fsr-4128	108	12	which	which	PRON
fsr-4128	108	13	is	be	AUX
fsr-4128	108	14	open	open	ADJ
fsr-4128	108	15	to	to	PART
fsr-4128	108	16	bias	bias	VERB
fsr-4128	108	17	.	.	PUNCT
fsr-4128	109	1	however	however	ADV
fsr-4128	109	2	,	,	PUNCT
fsr-4128	109	3	this	this	DET
fsr-4128	109	4	narrow	narrow	ADJ
fsr-4128	109	5	emphasis	emphasis	NOUN
fsr-4128	109	6	overlooks	overlook	VERB
fsr-4128	109	7	the	the	DET
fsr-4128	109	8	broader	broad	ADJ
fsr-4128	109	9	value	value	NOUN
fsr-4128	109	10	clients	client	NOUN
fsr-4128	109	11	derive	derive	VERB
fsr-4128	109	12	from	from	ADP
fsr-4128	109	13	the	the	DET
fsr-4128	109	14	advice	advice	NOUN
fsr-4128	109	15	process	process	NOUN
fsr-4128	109	16	,	,	PUNCT
fsr-4128	109	17	including	include	VERB
fsr-4128	109	18	behavioral	behavioral	ADJ
fsr-4128	109	19	,	,	PUNCT
fsr-4128	109	20	emotional	emotional	ADJ
fsr-4128	109	21	and	and	CCONJ
fsr-4128	109	22	strategic	strategic	ADJ
fsr-4128	109	23	benefits	benefit	NOUN
fsr-4128	109	24	.	.	PUNCT
fsr-4128	110	1	moreover	moreover	ADV
fsr-4128	110	2	,	,	PUNCT
fsr-4128	110	3	the	the	DET
fsr-4128	110	4	reliability	reliability	NOUN
fsr-4128	110	5	of	of	ADP
fsr-4128	110	6	findings	finding	NOUN
fsr-4128	110	7	on	on	ADP
fsr-4128	110	8	financial	financial	ADJ
fsr-4128	110	9	outcomes	outcome	NOUN
fsr-4128	110	10	is	be	AUX
fsr-4128	110	11	complicated	complicate	VERB
fsr-4128	110	12	by	by	ADP
fsr-4128	110	13	contextual	contextual	ADJ
fsr-4128	110	14	factors	factor	NOUN
fsr-4128	110	15	.	.	PUNCT
fsr-4128	111	1	much	much	ADJ
fsr-4128	111	2	of	of	ADP
fsr-4128	111	3	the	the	DET
fsr-4128	111	4	extant	extant	ADJ
fsr-4128	111	5	literature	literature	NOUN
fsr-4128	111	6	originates	originate	NOUN
fsr-4128	111	7	from	from	ADP
fsr-4128	111	8	jurisdictions	jurisdiction	NOUN
fsr-4128	111	9	such	such	ADJ
fsr-4128	111	10	as	as	ADP
fsr-4128	111	11	the	the	DET
fsr-4128	111	12	us	us	PROPN
fsr-4128	111	13	and	and	CCONJ
fsr-4128	111	14	germany	germany	PROPN
fsr-4128	111	15	where	where	SCONJ
fsr-4128	111	16	commission	commission	NOUN
fsr-4128	111	17	-	-	PUNCT
fsr-4128	111	18	based	base	VERB
fsr-4128	111	19	remuneration	remuneration	NOUN
fsr-4128	111	20	models	model	NOUN
fsr-4128	111	21	,	,	PUNCT
fsr-4128	111	22	shown	show	VERB
fsr-4128	111	23	to	to	PART
fsr-4128	111	24	induce	induce	VERB
fsr-4128	111	25	advisor	advisor	ADJ
fsr-4128	111	26	conflicts	conflict	NOUN
fsr-4128	111	27	of	of	ADP
fsr-4128	111	28	interest	interest	NOUN
fsr-4128	111	29	and	and	CCONJ
fsr-4128	111	30	impact	impact	NOUN
fsr-4128	111	31	advice	advice	NOUN
fsr-4128	111	32	quality	quality	NOUN
fsr-4128	111	33	,	,	PUNCT
fsr-4128	111	34	were	be	AUX
fsr-4128	111	35	prevalent	prevalent	ADJ
fsr-4128	111	36	during	during	ADP
fsr-4128	111	37	the	the	DET
fsr-4128	111	38	study	study	NOUN
fsr-4128	111	39	periods	period	NOUN
fsr-4128	111	40	.	.	PUNCT
fsr-4128	112	1	it	it	PRON
fsr-4128	112	2	is	be	AUX
fsr-4128	112	3	perhaps	perhaps	ADV
fsr-4128	112	4	unsurprising	unsurprising	ADJ
fsr-4128	112	5	then	then	ADV
fsr-4128	112	6	that	that	SCONJ
fsr-4128	112	7	the	the	DET
fsr-4128	112	8	literature	literature	NOUN
fsr-4128	112	9	on	on	ADP
fsr-4128	112	10	portfolio	portfolio	NOUN
fsr-4128	112	11	construction	construction	NOUN
fsr-4128	112	12	and	and	CCONJ
fsr-4128	112	13	investment	investment	NOUN
fsr-4128	112	14	performance	performance	NOUN
fsr-4128	112	15	of	of	ADP
fsr-4128	112	16	advised	advise	VERB
fsr-4128	112	17	portfolios	portfolio	NOUN
fsr-4128	112	18	has	have	AUX
fsr-4128	112	19	reported	report	VERB
fsr-4128	112	20	more	more	ADV
fsr-4128	112	21	negative	negative	ADJ
fsr-4128	112	22	than	than	ADP
fsr-4128	112	23	positive	positive	ADJ
fsr-4128	112	24	results	result	NOUN
fsr-4128	112	25	.	.	PUNCT
fsr-4128	113	1	evidence	evidence	NOUN
fsr-4128	113	2	suggests	suggest	VERB
fsr-4128	113	3	that	that	SCONJ
fsr-4128	113	4	advised	advise	VERB
fsr-4128	113	5	portfolios	portfolio	NOUN
fsr-4128	113	6	are	be	AUX
fsr-4128	113	7	more	more	ADV
fsr-4128	113	8	diversified	diversified	ADJ
fsr-4128	113	9	(	(	PUNCT
fsr-4128	113	10	e.g.	e.g.	ADJ
fsr-4128	113	11	,	,	PUNCT
fsr-4128	113	12	bluethgen	bluethgen	PROPN
fsr-4128	113	13	,	,	PUNCT
fsr-4128	113	14	gintschel	gintschel	PROPN
fsr-4128	113	15	,	,	PUNCT
fsr-4128	113	16	et	et	PROPN
fsr-4128	113	17	al	al	PROPN
fsr-4128	113	18	.	.	PROPN
fsr-4128	113	19	,	,	PUNCT
fsr-4128	113	20	2008	2008	NUM
fsr-4128	113	21	;	;	PUNCT
fsr-4128	113	22	hackethal	hackethal	VERB
fsr-4128	113	23	et	et	PROPN
fsr-4128	113	24	al	al	PROPN
fsr-4128	113	25	.	.	PROPN
fsr-4128	113	26	,	,	PUNCT
fsr-4128	113	27	2012	2012	NUM
fsr-4128	113	28	;	;	PUNCT
fsr-4128	113	29	kramer	kramer	PROPN
fsr-4128	113	30	,	,	PUNCT
fsr-4128	113	31	2012	2012	NUM
fsr-4128	113	32	;	;	PUNCT
fsr-4128	113	33	marsden	marsden	PROPN
fsr-4128	113	34	et	et	PROPN
fsr-4128	113	35	al	al	PROPN
fsr-4128	113	36	.	.	PROPN
fsr-4128	113	37	,	,	PUNCT
fsr-4128	113	38	2011	2011	NUM
fsr-4128	113	39	)	)	PUNCT
fsr-4128	113	40	but	but	CCONJ
fsr-4128	113	41	this	this	DET
fsr-4128	113	42	increased	increase	VERB
fsr-4128	113	43	diversification	diversification	NOUN
fsr-4128	113	44	is	be	AUX
fsr-4128	113	45	costly	costly	ADJ
fsr-4128	113	46	for	for	ADP
fsr-4128	113	47	clients	client	NOUN
fsr-4128	113	48	when	when	SCONJ
fsr-4128	113	49	achieved	achieve	VERB
fsr-4128	113	50	through	through	ADP
fsr-4128	113	51	investments	investment	NOUN
fsr-4128	113	52	made	make	VERB
fsr-4128	113	53	into	into	ADP
fsr-4128	113	54	higher	high	ADJ
fsr-4128	113	55	cost	cost	NOUN
fsr-4128	113	56	mutual	mutual	ADJ
fsr-4128	113	57	funds	fund	NOUN
fsr-4128	113	58	consistent	consistent	ADJ
fsr-4128	113	59	with	with	ADP
fsr-4128	113	60	advisors	advisor	NOUN
fsr-4128	113	61	’	'	PUNCT
fsr-4128	113	62	compensation	compensation	NOUN
fsr-4128	113	63	incentives	incentive	NOUN
fsr-4128	113	64	(	(	PUNCT
fsr-4128	113	65	e.g.	e.g.	ADV
fsr-4128	113	66	,	,	PUNCT
fsr-4128	113	67	hackethal	hackethal	VERB
fsr-4128	113	68	et	et	PROPN
fsr-4128	113	69	al	al	PROPN
fsr-4128	113	70	.	.	PROPN
fsr-4128	113	71	,	,	PUNCT
fsr-4128	113	72	2012	2012	NUM
fsr-4128	113	73	;	;	PUNCT
fsr-4128	113	74	kramer	kramer	PROPN
fsr-4128	113	75	,	,	PUNCT
fsr-4128	113	76	2012	2012	NUM
fsr-4128	113	77	;	;	PUNCT
fsr-4128	113	78	linnainmaa	linnainmaa	PROPN
fsr-4128	113	79	et	et	PROPN
fsr-4128	113	80	al	al	PROPN
fsr-4128	113	81	.	.	PROPN
fsr-4128	113	82	,	,	PUNCT
fsr-4128	113	83	2021	2021	NUM
fsr-4128	113	84	)	)	PUNCT
fsr-4128	113	85	.	.	PUNCT
fsr-4128	114	1	it	it	PRON
fsr-4128	114	2	is	be	AUX
fsr-4128	114	3	rare	rare	ADJ
fsr-4128	114	4	to	to	PART
fsr-4128	114	5	find	find	VERB
fsr-4128	114	6	reports	report	NOUN
fsr-4128	114	7	that	that	PRON
fsr-4128	114	8	advised	advise	VERB
fsr-4128	114	9	clients	client	NOUN
fsr-4128	114	10	allocate	allocate	VERB
fsr-4128	114	11	significantly	significantly	ADV
fsr-4128	114	12	more	more	ADJ
fsr-4128	114	13	of	of	ADP
fsr-4128	114	14	their	their	PRON
fsr-4128	114	15	portfolio	portfolio	NOUN
fsr-4128	114	16	to	to	ADP
fsr-4128	114	17	cheaper	cheap	ADJ
fsr-4128	114	18	index	index	NOUN
fsr-4128	114	19	funds	fund	NOUN
fsr-4128	114	20	(	(	PUNCT
fsr-4128	114	21	the	the	DET
fsr-4128	114	22	study	study	NOUN
fsr-4128	114	23	by	by	ADP
fsr-4128	114	24	chalmers	chalmer	NOUN
fsr-4128	114	25	and	and	CCONJ
fsr-4128	114	26	reuter	reuter	PROPN
fsr-4128	114	27	,	,	PUNCT
fsr-4128	114	28	2012	2012	NUM
fsr-4128	114	29	is	be	AUX
fsr-4128	114	30	one	one	NUM
fsr-4128	114	31	example	example	NOUN
fsr-4128	114	32	)	)	PUNCT
fsr-4128	114	33	.	.	PUNCT
fsr-4128	115	1	while	while	SCONJ
fsr-4128	115	2	diversification	diversification	NOUN
fsr-4128	115	3	helps	help	VERB
fsr-4128	115	4	clients	client	NOUN
fsr-4128	115	5	avoid	avoid	VERB
fsr-4128	115	6	home	home	NOUN
fsr-4128	115	7	bias	bias	NOUN
fsr-4128	115	8	(	(	PUNCT
fsr-4128	115	9	e.g.	e.g.	ADV
fsr-4128	115	10	,	,	PUNCT
fsr-4128	115	11	bluethgen	bluethgen	PROPN
fsr-4128	115	12	,	,	PUNCT
fsr-4128	115	13	gintschel	gintschel	PROPN
fsr-4128	115	14	,	,	PUNCT
fsr-4128	115	15	et	et	PROPN
fsr-4128	115	16	al	al	PROPN
fsr-4128	115	17	.	.	PROPN
fsr-4128	115	18	,	,	PUNCT
fsr-4128	115	19	2008	2008	NUM
fsr-4128	115	20	)	)	PUNCT
fsr-4128	115	21	,	,	PUNCT
fsr-4128	115	22	several	several	ADJ
fsr-4128	115	23	studies	study	NOUN
fsr-4128	115	24	(	(	PUNCT
fsr-4128	115	25	e.g.	e.g.	ADV
fsr-4128	115	26	,	,	PUNCT
fsr-4128	115	27	gerhardt	gerhardt	PROPN
fsr-4128	115	28	&	&	CCONJ
fsr-4128	115	29	hackethal	hackethal	PROPN
fsr-4128	115	30	,	,	PUNCT
fsr-4128	115	31	2009	2009	NUM
fsr-4128	115	32	;	;	PUNCT
fsr-4128	115	33	kramer	kramer	PROPN
fsr-4128	115	34	,	,	PUNCT
fsr-4128	115	35	2012	2012	NUM
fsr-4128	115	36	;	;	PUNCT
fsr-4128	115	37	marsden	marsden	PROPN
fsr-4128	115	38	et	et	PROPN
fsr-4128	115	39	al	al	PROPN
fsr-4128	115	40	.	.	PROPN
fsr-4128	115	41	,	,	PUNCT
fsr-4128	115	42	2011	2011	NUM
fsr-4128	115	43	)	)	PUNCT
fsr-4128	115	44	suggest	suggest	VERB
fsr-4128	115	45	this	this	PRON
fsr-4128	115	46	is	be	AUX
fsr-4128	115	47	due	due	ADJ
fsr-4128	115	48	to	to	ADP
fsr-4128	115	49	naïve	naïve	ADJ
fsr-4128	115	50	(	(	PUNCT
fsr-4128	115	51	or	or	CCONJ
fsr-4128	115	52	simple	simple	ADJ
fsr-4128	115	53	)	)	PUNCT
fsr-4128	115	54	forms	form	NOUN
fsr-4128	115	55	of	of	ADP
fsr-4128	115	56	diversification	diversification	NOUN
fsr-4128	115	57	,	,	PUNCT
fsr-4128	115	58	namely	namely	ADV
fsr-4128	115	59	,	,	PUNCT
fsr-4128	115	60	through	through	ADP
fsr-4128	115	61	higher	high	ADJ
fsr-4128	115	62	mutual	mutual	ADJ
fsr-4128	115	63	fund	fund	NOUN
fsr-4128	115	64	allocation	allocation	NOUN
fsr-4128	115	65	.	.	PUNCT
fsr-4128	116	1	additionally	additionally	ADV
fsr-4128	116	2	,	,	PUNCT
fsr-4128	116	3	there	there	PRON
fsr-4128	116	4	is	be	VERB
fsr-4128	116	5	little	little	ADJ
fsr-4128	116	6	evidence	evidence	NOUN
fsr-4128	116	7	that	that	SCONJ
fsr-4128	116	8	more	more	ADV
fsr-4128	116	9	diversified	diversified	ADJ
fsr-4128	116	10	client	client	NOUN
fsr-4128	116	11	portfolios	portfolio	NOUN
fsr-4128	116	12	improve	improve	VERB
fsr-4128	116	13	investment	investment	NOUN
fsr-4128	116	14	performance	performance	NOUN
fsr-4128	116	15	.	.	PUNCT
fsr-4128	117	1	few	few	ADJ
fsr-4128	117	2	studies	study	NOUN
fsr-4128	117	3	(	(	PUNCT
fsr-4128	117	4	e.g.	e.g.	ADV
fsr-4128	117	5	,	,	PUNCT
fsr-4128	117	6	grable	grable	PROPN
fsr-4128	117	7	&	&	CCONJ
fsr-4128	117	8	chatterjee	chatterjee	PROPN
fsr-4128	117	9	,	,	PUNCT
fsr-4128	117	10	2014	2014	NUM
fsr-4128	117	11	)	)	PUNCT
fsr-4128	117	12	find	find	VERB
fsr-4128	117	13	significantly	significantly	ADV
fsr-4128	117	14	better	well	ADJ
fsr-4128	117	15	returns	return	NOUN
fsr-4128	117	16	in	in	ADP
fsr-4128	117	17	advised	advised	ADJ
fsr-4128	117	18	individuals	individual	NOUN
fsr-4128	117	19	while	while	SCONJ
fsr-4128	117	20	more	more	ADJ
fsr-4128	117	21	report	report	VERB
fsr-4128	117	22	minimal	minimal	ADJ
fsr-4128	117	23	changes	change	NOUN
fsr-4128	117	24	to	to	ADP
fsr-4128	117	25	risk	risk	NOUN
fsr-4128	117	26	-	-	PUNCT
fsr-4128	117	27	adjusted	adjust	VERB
fsr-4128	117	28	returns	return	NOUN
fsr-4128	117	29	(	(	PUNCT
fsr-4128	117	30	e.g.	e.g.	ADV
fsr-4128	117	31	,	,	PUNCT
fsr-4128	117	32	gerhardt	gerhardt	PROPN
fsr-4128	117	33	&	&	CCONJ
fsr-4128	117	34	hackethal	hackethal	PROPN
fsr-4128	117	35	,	,	PUNCT
fsr-4128	117	36	2009	2009	NUM
fsr-4128	117	37	;	;	PUNCT
fsr-4128	117	38	kramer	kramer	PROPN
fsr-4128	117	39	,	,	PUNCT
fsr-4128	117	40	2012	2012	NUM
fsr-4128	117	41	;	;	PUNCT
fsr-4128	117	42	marsden	marsden	PROPN
fsr-4128	117	43	et	et	PROPN
fsr-4128	117	44	al	al	PROPN
fsr-4128	117	45	.	.	PROPN
fsr-4128	117	46	,	,	PUNCT
fsr-4128	117	47	2011	2011	NUM
fsr-4128	117	48	)	)	PUNCT
fsr-4128	117	49	.	.	PUNCT
fsr-4128	118	1	marsden	marsden	PROPN
fsr-4128	118	2	et	et	PROPN
fsr-4128	118	3	al	al	PROPN
fsr-4128	118	4	.	.	PROPN
fsr-4128	118	5	(	(	PUNCT
fsr-4128	118	6	2011	2011	NUM
fsr-4128	118	7	)	)	PUNCT
fsr-4128	118	8	argue	argue	VERB
fsr-4128	118	9	that	that	SCONJ
fsr-4128	118	10	the	the	DET
fsr-4128	118	11	lack	lack	NOUN
fsr-4128	118	12	of	of	ADP
fsr-4128	118	13	strong	strong	ADJ
fsr-4128	118	14	evidence	evidence	NOUN
fsr-4128	118	15	for	for	ADP
fsr-4128	118	16	advised	advise	VERB
fsr-4128	118	17	clients	client	NOUN
fsr-4128	118	18	outperforming	outperform	VERB
fsr-4128	118	19	the	the	DET
fsr-4128	118	20	non	non	ADJ
fsr-4128	118	21	-	-	ADJ
fsr-4128	118	22	advised	advised	ADJ
fsr-4128	118	23	is	be	AUX
fsr-4128	118	24	a	a	DET
fsr-4128	118	25	function	function	NOUN
fsr-4128	118	26	of	of	ADP
fsr-4128	118	27	research	research	NOUN
fsr-4128	118	28	typically	typically	ADV
fsr-4128	118	29	being	be	AUX
fsr-4128	118	30	conducted	conduct	VERB
fsr-4128	118	31	during	during	ADP
fsr-4128	118	32	periods	period	NOUN
fsr-4128	118	33	of	of	ADP
fsr-4128	118	34	market	market	NOUN
fsr-4128	118	35	growth	growth	NOUN
fsr-4128	118	36	,	,	PUNCT
fsr-4128	118	37	where	where	SCONJ
fsr-4128	118	38	value	value	NOUN
fsr-4128	118	39	rises	rise	VERB
fsr-4128	118	40	across	across	ADP
fsr-4128	118	41	many	many	ADJ
fsr-4128	118	42	markets	market	NOUN
fsr-4128	118	43	and	and	CCONJ
fsr-4128	118	44	industries	industry	NOUN
fsr-4128	118	45	,	,	PUNCT
fsr-4128	118	46	and	and	CCONJ
fsr-4128	118	47	maintaining	maintain	VERB
fsr-4128	118	48	discipline	discipline	NOUN
fsr-4128	118	49	is	be	AUX
fsr-4128	118	50	relatively	relatively	ADV
fsr-4128	118	51	easy	easy	ADJ
fsr-4128	118	52	.	.	PUNCT
fsr-4128	119	1	advised	advise	VERB
fsr-4128	119	2	clients	client	NOUN
fsr-4128	119	3	are	be	AUX
fsr-4128	119	4	found	find	VERB
fsr-4128	119	5	to	to	PART
fsr-4128	119	6	trade	trade	VERB
fsr-4128	119	7	more	more	ADJ
fsr-4128	119	8	which	which	PRON
fsr-4128	119	9	again	again	ADV
fsr-4128	119	10	is	be	AUX
fsr-4128	119	11	consistent	consistent	ADJ
fsr-4128	119	12	with	with	ADP
fsr-4128	119	13	commission	commission	NOUN
fsr-4128	119	14	-	-	PUNCT
fsr-4128	119	15	based	base	VERB
fsr-4128	119	16	renumeration	renumeration	NOUN
fsr-4128	119	17	models	model	NOUN
fsr-4128	119	18	in	in	ADP
fsr-4128	119	19	some	some	DET
fsr-4128	119	20	jurisdictions	jurisdiction	NOUN
fsr-4128	119	21	(	(	PUNCT
fsr-4128	119	22	hackethal	hackethal	VERB
fsr-4128	119	23	et	et	PROPN
fsr-4128	119	24	al	al	PROPN
fsr-4128	119	25	.	.	PROPN
fsr-4128	119	26	,	,	PUNCT
fsr-4128	119	27	2012	2012	NUM
fsr-4128	119	28	)	)	PUNCT
fsr-4128	119	29	,	,	PUNCT
fsr-4128	119	30	however	however	ADV
fsr-4128	119	31	,	,	PUNCT
fsr-4128	119	32	linnainmaa	linnainmaa	PROPN
fsr-4128	119	33	et	et	PROPN
fsr-4128	119	34	al	al	PROPN
fsr-4128	119	35	.	.	PROPN
fsr-4128	120	1	(	(	PUNCT
fsr-4128	120	2	2021	2021	NUM
fsr-4128	120	3	)	)	PUNCT
fsr-4128	120	4	find	find	VERB
fsr-4128	120	5	this	this	PRON
fsr-4128	120	6	is	be	AUX
fsr-4128	120	7	how	how	SCONJ
fsr-4128	120	8	advisors	advisor	NOUN
fsr-4128	120	9	manage	manage	VERB
fsr-4128	120	10	their	their	PRON
fsr-4128	120	11	own	own	ADJ
fsr-4128	120	12	portfolios	portfolio	NOUN
fsr-4128	120	13	.	.	PUNCT
fsr-4128	121	1	marsden	marsden	PROPN
fsr-4128	121	2	et	et	PROPN
fsr-4128	121	3	al	al	PROPN
fsr-4128	121	4	.	.	PROPN
fsr-4128	121	5	(	(	PUNCT
fsr-4128	121	6	2011	2011	NUM
fsr-4128	121	7	)	)	PUNCT
fsr-4128	121	8	also	also	ADV
fsr-4128	121	9	emphasizes	emphasize	VERB
fsr-4128	121	10	that	that	SCONJ
fsr-4128	121	11	advised	advise	VERB
fsr-4128	121	12	investors	investor	NOUN
fsr-4128	121	13	were	be	AUX
fsr-4128	121	14	more	more	ADV
fsr-4128	121	15	likely	likely	ADJ
fsr-4128	121	16	than	than	SCONJ
fsr-4128	121	17	nonadvised	nonadvise	VERB
fsr-4128	121	18	to	to	PART
fsr-4128	121	19	increase	increase	VERB
fsr-4128	121	20	risk	risk	NOUN
fsr-4128	121	21	and	and	CCONJ
fsr-4128	121	22	portfolio	portfolio	NOUN
fsr-4128	121	23	size	size	NOUN
fsr-4128	121	24	during	during	ADP
fsr-4128	121	25	a	a	DET
fsr-4128	121	26	market	market	NOUN
fsr-4128	121	27	downturn	downturn	NOUN
fsr-4128	121	28	,	,	PUNCT
fsr-4128	121	29	which	which	PRON
fsr-4128	121	30	is	be	AUX
fsr-4128	121	31	consistent	consistent	ADJ
fsr-4128	121	32	with	with	ADP
fsr-4128	121	33	advisor	advisor	NOUN
fsr-4128	121	34	observations	observation	NOUN
fsr-4128	121	35	of	of	ADP
fsr-4128	121	36	some	some	DET
fsr-4128	121	37	clients	client	NOUN
fsr-4128	121	38	taking	take	VERB
fsr-4128	121	39	advantage	advantage	NOUN
fsr-4128	121	40	of	of	ADP
fsr-4128	121	41	asset	asset	NOUN
fsr-4128	121	42	price	price	NOUN
fsr-4128	121	43	reductions	reduction	NOUN
fsr-4128	121	44	during	during	ADP
fsr-4128	121	45	the	the	DET
fsr-4128	121	46	covid-19	covid-19	PROPN
fsr-4128	121	47	pandemic	pandemic	NOUN
fsr-4128	121	48	(	(	PUNCT
fsr-4128	121	49	loy	loy	PROPN
fsr-4128	121	50	et	et	PROPN
fsr-4128	121	51	al	al	PROPN
fsr-4128	121	52	.	.	PROPN
fsr-4128	121	53	,	,	PUNCT
fsr-4128	121	54	2021	2021	NUM
fsr-4128	121	55	)	)	PUNCT
fsr-4128	121	56	.	.	PUNCT
fsr-4128	122	1	reforms	reform	NOUN
fsr-4128	122	2	to	to	PART
fsr-4128	122	3	transition	transition	VERB
fsr-4128	122	4	the	the	DET
fsr-4128	122	5	advice	advice	NOUN
fsr-4128	122	6	industry	industry	NOUN
fsr-4128	122	7	to	to	ADP
fsr-4128	122	8	a	a	DET
fsr-4128	122	9	profession	profession	NOUN
fsr-4128	122	10	,	,	PUNCT
fsr-4128	122	11	including	include	VERB
fsr-4128	122	12	the	the	DET
fsr-4128	122	13	removal	removal	NOUN
fsr-4128	122	14	of	of	ADP
fsr-4128	122	15	commissions	commission	NOUN
fsr-4128	122	16	,	,	PUNCT
fsr-4128	122	17	increased	increase	VERB
fsr-4128	122	18	education	education	NOUN
fsr-4128	122	19	requirements	requirement	NOUN
fsr-4128	122	20	,	,	PUNCT
fsr-4128	122	21	and	and	CCONJ
fsr-4128	122	22	a	a	DET
fsr-4128	122	23	focus	focus	NOUN
fsr-4128	122	24	on	on	ADP
fsr-4128	122	25	putting	put	VERB
fsr-4128	122	26	clients	client	NOUN
fsr-4128	122	27	’	’	PART
fsr-4128	122	28	interests	interest	NOUN
fsr-4128	122	29	first	first	ADV
fsr-4128	122	30	,	,	PUNCT
fsr-4128	122	31	may	may	AUX
fsr-4128	122	32	partly	partly	ADV
fsr-4128	122	33	explain	explain	VERB
fsr-4128	122	34	this	this	DET
fsr-4128	122	35	shift	shift	NOUN
fsr-4128	122	36	to	to	ADP
fsr-4128	122	37	more	more	ADV
fsr-4128	122	38	positive	positive	ADJ
fsr-4128	122	39	results	result	NOUN
fsr-4128	122	40	.	.	PUNCT
fsr-4128	123	1	further	further	ADJ
fsr-4128	123	2	research	research	NOUN
fsr-4128	123	3	is	be	AUX
fsr-4128	123	4	needed	need	VERB
fsr-4128	123	5	to	to	PART
fsr-4128	123	6	confirm	confirm	VERB
fsr-4128	123	7	this	this	DET
fsr-4128	123	8	trend	trend	NOUN
fsr-4128	123	9	.	.	PUNCT
fsr-4128	124	1	subjective	subjective	ADJ
fsr-4128	124	2	measures	measure	NOUN
fsr-4128	124	3	while	while	SCONJ
fsr-4128	124	4	an	an	DET
fsr-4128	124	5	individual	individual	NOUN
fsr-4128	124	6	’s	’s	PART
fsr-4128	124	7	objective	objective	ADJ
fsr-4128	124	8	financial	financial	ADJ
fsr-4128	124	9	situation	situation	NOUN
fsr-4128	124	10	is	be	AUX
fsr-4128	124	11	arguably	arguably	ADV
fsr-4128	124	12	a	a	DET
fsr-4128	124	13	vital	vital	ADJ
fsr-4128	124	14	element	element	NOUN
fsr-4128	124	15	to	to	PART
fsr-4128	124	16	capture	capture	VERB
fsr-4128	124	17	in	in	ADP
fsr-4128	124	18	the	the	DET
fsr-4128	124	19	measurement	measurement	NOUN
fsr-4128	124	20	of	of	ADP
fsr-4128	124	21	financial	financial	ADJ
fsr-4128	124	22	wellbeing	wellbeing	NOUN
fsr-4128	124	23	,	,	PUNCT
fsr-4128	124	24	some	some	DET
fsr-4128	124	25	researchers	researcher	NOUN
fsr-4128	124	26	maintain	maintain	VERB
fsr-4128	124	27	that	that	SCONJ
fsr-4128	124	28	a	a	DET
fsr-4128	124	29	client	client	NOUN
fsr-4128	124	30	’s	’s	PART
fsr-4128	124	31	subjective	subjective	ADJ
fsr-4128	124	32	view	view	NOUN
fsr-4128	124	33	of	of	ADP
fsr-4128	124	34	their	their	PRON
fsr-4128	124	35	finances	finance	NOUN
fsr-4128	124	36	is	be	AUX
fsr-4128	124	37	even	even	ADV
fsr-4128	124	38	more	more	ADV
fsr-4128	124	39	important	important	ADJ
fsr-4128	124	40	(	(	PUNCT
fsr-4128	124	41	e.g.	e.g.	ADV
fsr-4128	124	42	,	,	PUNCT
fsr-4128	125	1	marsden	marsden	PROPN
fsr-4128	125	2	et	et	PROPN
fsr-4128	125	3	al	al	PROPN
fsr-4128	125	4	.	.	PROPN
fsr-4128	125	5	,	,	PUNCT
fsr-4128	125	6	2011	2011	NUM
fsr-4128	125	7	;	;	PUNCT
fsr-4128	125	8	prawitz	prawitz	PROPN
fsr-4128	125	9	et	et	PROPN
fsr-4128	125	10	al	al	PROPN
fsr-4128	125	11	.	.	PROPN
fsr-4128	125	12	,	,	PUNCT
fsr-4128	125	13	2006	2006	NUM
fsr-4128	125	14	)	)	PUNCT
fsr-4128	125	15	.	.	PUNCT
fsr-4128	126	1	subjective	subjective	ADJ
fsr-4128	126	2	outcomes	outcome	NOUN
fsr-4128	126	3	from	from	ADP
fsr-4128	126	4	financial	financial	ADJ
fsr-4128	126	5	advice	advice	NOUN
fsr-4128	126	6	have	have	AUX
fsr-4128	126	7	received	receive	VERB
fsr-4128	126	8	less	less	ADJ
fsr-4128	126	9	attention	attention	NOUN
fsr-4128	126	10	in	in	ADP
fsr-4128	126	11	the	the	DET
fsr-4128	126	12	literature	literature	NOUN
fsr-4128	126	13	but	but	CCONJ
fsr-4128	126	14	are	be	AUX
fsr-4128	126	15	gaining	gain	VERB
fsr-4128	126	16	traction	traction	NOUN
fsr-4128	126	17	with	with	ADP
fsr-4128	126	18	most	most	ADJ
fsr-4128	126	19	articles	article	NOUN
fsr-4128	126	20	having	having	AUX
fsr-4128	126	21	been	be	AUX
fsr-4128	126	22	published	publish	VERB
fsr-4128	126	23	in	in	ADP
fsr-4128	126	24	the	the	DET
fsr-4128	126	25	last	last	ADJ
fsr-4128	126	26	decade	decade	NOUN
fsr-4128	126	27	.	.	PUNCT
fsr-4128	127	1	measurement	measurement	NOUN
fsr-4128	127	2	largely	largely	ADV
fsr-4128	127	3	involves	involve	VERB
fsr-4128	127	4	surveys	survey	NOUN
fsr-4128	127	5	conducted	conduct	VERB
fsr-4128	127	6	in	in	ADP
fsr-4128	127	7	the	the	DET
fsr-4128	127	8	us	us	PROPN
fsr-4128	127	9	,	,	PUNCT
fsr-4128	127	10	uk	uk	PROPN
fsr-4128	127	11	,	,	PUNCT
fsr-4128	127	12	and	and	CCONJ
fsr-4128	127	13	australia	australia	PROPN
fsr-4128	127	14	examining	examine	VERB
fsr-4128	127	15	client	client	NOUN
fsr-4128	127	16	views	view	NOUN
fsr-4128	127	17	after	after	ADP
fsr-4128	127	18	receiving	receive	VERB
fsr-4128	127	19	advice	advice	NOUN
fsr-4128	127	20	,	,	PUNCT
fsr-4128	127	21	rather	rather	ADV
fsr-4128	127	22	than	than	ADP
fsr-4128	127	23	the	the	DET
fsr-4128	127	24	views	view	NOUN
fsr-4128	127	25	of	of	ADP
fsr-4128	127	26	advised	advise	VERB
fsr-4128	127	27	versus	versus	ADP
fsr-4128	127	28	unadvised	unadvised	ADJ
fsr-4128	127	29	clients	client	NOUN
fsr-4128	127	30	,	,	PUNCT
fsr-4128	127	31	as	as	SCONJ
fsr-4128	127	32	is	be	AUX
fsr-4128	127	33	typically	typically	ADV
fsr-4128	127	34	the	the	DET
fsr-4128	127	35	case	case	NOUN
fsr-4128	127	36	with	with	ADP
fsr-4128	127	37	objective	objective	ADJ
fsr-4128	127	38	measures	measure	NOUN
fsr-4128	127	39	.	.	PUNCT
fsr-4128	128	1	working	work	VERB
fsr-4128	128	2	with	with	ADP
fsr-4128	128	3	an	an	DET
fsr-4128	128	4	advisor	advisor	NOUN
fsr-4128	128	5	is	be	AUX
fsr-4128	128	6	financial	financial	ADJ
fsr-4128	128	7	services	service	NOUN
fsr-4128	128	8	review	review	NOUN
fsr-4128	128	9	,	,	PUNCT
fsr-4128	128	10	33(4	33(4	NUM
fsr-4128	128	11	)	)	PUNCT
fsr-4128	128	12	140	140	NUM
fsr-4128	128	13	associated	associate	VERB
fsr-4128	128	14	with	with	ADP
fsr-4128	128	15	many	many	ADJ
fsr-4128	128	16	positive	positive	ADJ
fsr-4128	128	17	perceptions	perception	NOUN
fsr-4128	128	18	,	,	PUNCT
fsr-4128	128	19	including	include	VERB
fsr-4128	128	20	perceived	perceive	VERB
fsr-4128	128	21	improvement	improvement	NOUN
fsr-4128	128	22	in	in	ADP
fsr-4128	128	23	financial	financial	ADJ
fsr-4128	128	24	circumstances	circumstance	NOUN
fsr-4128	128	25	(	(	PUNCT
fsr-4128	128	26	theodos	theodo	NOUN
fsr-4128	128	27	et	et	NOUN
fsr-4128	128	28	al	al	PROPN
fsr-4128	128	29	.	.	PROPN
fsr-4128	128	30	,	,	PUNCT
fsr-4128	128	31	2015	2015	NUM
fsr-4128	128	32	)	)	PUNCT
fsr-4128	128	33	,	,	PUNCT
fsr-4128	128	34	improved	improve	VERB
fsr-4128	128	35	financial	financial	ADJ
fsr-4128	128	36	confidence	confidence	NOUN
fsr-4128	128	37	(	(	PUNCT
fsr-4128	128	38	coredata	coredata	NOUN
fsr-4128	128	39	research	research	NOUN
fsr-4128	128	40	,	,	PUNCT
fsr-4128	128	41	2020	2020	NUM
fsr-4128	128	42	)	)	PUNCT
fsr-4128	128	43	,	,	PUNCT
fsr-4128	128	44	preparedness	preparedness	NOUN
fsr-4128	128	45	for	for	ADP
fsr-4128	128	46	retirement	retirement	NOUN
fsr-4128	128	47	(	(	PUNCT
fsr-4128	128	48	kim	kim	PROPN
fsr-4128	128	49	et	et	PROPN
fsr-4128	128	50	al	al	PROPN
fsr-4128	128	51	.	.	PROPN
fsr-4128	128	52	,	,	PUNCT
fsr-4128	128	53	2003	2003	NUM
fsr-4128	128	54	)	)	PUNCT
fsr-4128	128	55	,	,	PUNCT
fsr-4128	128	56	a	a	DET
fsr-4128	128	57	greater	great	ADJ
fsr-4128	128	58	sense	sense	NOUN
fsr-4128	128	59	of	of	ADP
fsr-4128	128	60	control	control	NOUN
fsr-4128	128	61	of	of	ADP
fsr-4128	128	62	and	and	CCONJ
fsr-4128	128	63	less	less	ADJ
fsr-4128	128	64	time	time	NOUN
fsr-4128	128	65	worrying	worry	VERB
fsr-4128	128	66	about	about	ADP
fsr-4128	128	67	one	one	NUM
fsr-4128	128	68	’s	’s	PART
fsr-4128	128	69	financial	financial	ADJ
fsr-4128	128	70	situation	situation	NOUN
fsr-4128	128	71	(	(	PUNCT
fsr-4128	128	72	irving	irving	PROPN
fsr-4128	128	73	et	et	PROPN
fsr-4128	128	74	al	al	PROPN
fsr-4128	128	75	.	.	PROPN
fsr-4128	128	76	,	,	PUNCT
fsr-4128	128	77	2011	2011	NUM
fsr-4128	128	78	;	;	PUNCT
fsr-4128	128	79	pleasence	pleasence	NOUN
fsr-4128	128	80	et	et	PROPN
fsr-4128	128	81	al	al	PROPN
fsr-4128	128	82	.	.	PROPN
fsr-4128	128	83	,	,	PUNCT
fsr-4128	128	84	2007	2007	NUM
fsr-4128	128	85	)	)	PUNCT
fsr-4128	128	86	,	,	PUNCT
fsr-4128	128	87	and	and	CCONJ
fsr-4128	128	88	improved	improve	VERB
fsr-4128	128	89	self	self	NOUN
fsr-4128	128	90	-	-	PUNCT
fsr-4128	128	91	efficacy	efficacy	NOUN
fsr-4128	128	92	concerning	concern	VERB
fsr-4128	128	93	financial	financial	ADJ
fsr-4128	128	94	decision	decision	NOUN
fsr-4128	128	95	-	-	PUNCT
fsr-4128	128	96	making	making	NOUN
fsr-4128	128	97	(	(	PUNCT
fsr-4128	128	98	kim	kim	PROPN
fsr-4128	128	99	et	et	PROPN
fsr-4128	128	100	al	al	PROPN
fsr-4128	128	101	.	.	PROPN
fsr-4128	128	102	,	,	PUNCT
fsr-4128	128	103	2003	2003	NUM
fsr-4128	128	104	;	;	PUNCT
fsr-4128	128	105	marsden	marsden	PROPN
fsr-4128	128	106	et	et	PROPN
fsr-4128	128	107	al	al	PROPN
fsr-4128	128	108	.	.	PROPN
fsr-4128	128	109	,	,	PUNCT
fsr-4128	128	110	2011	2011	NUM
fsr-4128	128	111	)	)	PUNCT
fsr-4128	128	112	.	.	PUNCT
fsr-4128	129	1	these	these	DET
fsr-4128	129	2	positive	positive	ADJ
fsr-4128	129	3	perceptions	perception	NOUN
fsr-4128	129	4	following	follow	VERB
fsr-4128	129	5	advice	advice	NOUN
fsr-4128	129	6	are	be	AUX
fsr-4128	129	7	consistent	consistent	ADJ
fsr-4128	129	8	across	across	ADP
fsr-4128	129	9	sociodemographic	sociodemographic	ADJ
fsr-4128	129	10	groups	group	NOUN
fsr-4128	129	11	including	include	VERB
fsr-4128	129	12	low	low	ADJ
fsr-4128	129	13	-	-	PUNCT
fsr-4128	129	14	income	income	NOUN
fsr-4128	129	15	earners	earner	NOUN
fsr-4128	129	16	(	(	PUNCT
fsr-4128	129	17	brackertz	brackertz	PROPN
fsr-4128	129	18	,	,	PUNCT
fsr-4128	129	19	2014	2014	NUM
fsr-4128	129	20	)	)	PUNCT
fsr-4128	129	21	,	,	PUNCT
fsr-4128	129	22	university	university	NOUN
fsr-4128	129	23	staff	staff	NOUN
fsr-4128	129	24	(	(	PUNCT
fsr-4128	129	25	grable	grable	PROPN
fsr-4128	129	26	&	&	CCONJ
fsr-4128	129	27	joo	joo	PROPN
fsr-4128	129	28	,	,	PUNCT
fsr-4128	129	29	2003	2003	NUM
fsr-4128	129	30	)	)	PUNCT
fsr-4128	129	31	,	,	PUNCT
fsr-4128	129	32	college	college	NOUN
fsr-4128	129	33	students	student	NOUN
fsr-4128	129	34	(	(	PUNCT
fsr-4128	129	35	britt	britt	PROPN
fsr-4128	129	36	et	et	PROPN
fsr-4128	129	37	al	al	PROPN
fsr-4128	129	38	.	.	PROPN
fsr-4128	129	39	,	,	PUNCT
fsr-4128	129	40	2015	2015	NUM
fsr-4128	129	41	)	)	PUNCT
fsr-4128	129	42	,	,	PUNCT
fsr-4128	129	43	and	and	CCONJ
fsr-4128	129	44	widows	widow	NOUN
fsr-4128	129	45	(	(	PUNCT
fsr-4128	129	46	rehl	rehl	NOUN
fsr-4128	129	47	et	et	PROPN
fsr-4128	129	48	al	al	PROPN
fsr-4128	129	49	.	.	PROPN
fsr-4128	129	50	,	,	PUNCT
fsr-4128	129	51	2016	2016	NUM
fsr-4128	129	52	)	)	PUNCT
fsr-4128	129	53	.	.	PUNCT
fsr-4128	130	1	financial	financial	ADJ
fsr-4128	130	2	advice	advice	NOUN
fsr-4128	130	3	is	be	AUX
fsr-4128	130	4	positively	positively	ADV
fsr-4128	130	5	associated	associate	VERB
fsr-4128	130	6	with	with	ADP
fsr-4128	130	7	improving	improve	VERB
fsr-4128	130	8	clients	client	NOUN
fsr-4128	130	9	’	'	PUNCT
fsr-4128	130	10	financial	financial	ADJ
fsr-4128	130	11	engagement	engagement	NOUN
fsr-4128	130	12	and	and	CCONJ
fsr-4128	130	13	behavioral	behavioral	ADJ
fsr-4128	130	14	biases	bias	NOUN
fsr-4128	130	15	.	.	PUNCT
fsr-4128	131	1	advised	advise	VERB
fsr-4128	131	2	clients	client	NOUN
fsr-4128	131	3	spend	spend	VERB
fsr-4128	131	4	more	more	ADJ
fsr-4128	131	5	time	time	NOUN
fsr-4128	131	6	searching	search	VERB
fsr-4128	131	7	for	for	ADP
fsr-4128	131	8	financial	financial	ADJ
fsr-4128	131	9	information	information	NOUN
fsr-4128	131	10	(	(	PUNCT
fsr-4128	131	11	lee	lee	PROPN
fsr-4128	131	12	&	&	CCONJ
fsr-4128	131	13	cho	cho	PROPN
fsr-4128	131	14	,	,	PUNCT
fsr-4128	131	15	2005	2005	NUM
fsr-4128	131	16	)	)	PUNCT
fsr-4128	131	17	,	,	PUNCT
fsr-4128	131	18	learning	learn	VERB
fsr-4128	131	19	about	about	ADP
fsr-4128	131	20	financial	financial	ADJ
fsr-4128	131	21	topics	topic	NOUN
fsr-4128	131	22	(	(	PUNCT
fsr-4128	131	23	marsden	marsden	PROPN
fsr-4128	131	24	et	et	PROPN
fsr-4128	131	25	al	al	PROPN
fsr-4128	131	26	.	.	PROPN
fsr-4128	131	27	,	,	PUNCT
fsr-4128	131	28	2011	2011	NUM
fsr-4128	131	29	)	)	PUNCT
fsr-4128	131	30	,	,	PUNCT
fsr-4128	131	31	and	and	CCONJ
fsr-4128	131	32	striving	strive	VERB
fsr-4128	131	33	to	to	PART
fsr-4128	131	34	improve	improve	VERB
fsr-4128	131	35	financial	financial	ADJ
fsr-4128	131	36	planning	planning	NOUN
fsr-4128	131	37	behaviors	behavior	NOUN
fsr-4128	131	38	(	(	PUNCT
fsr-4128	131	39	ford	ford	PROPN
fsr-4128	131	40	et	et	PROPN
fsr-4128	131	41	al	al	PROPN
fsr-4128	131	42	.	.	PROPN
fsr-4128	131	43	,	,	PUNCT
fsr-4128	131	44	2020	2020	NUM
fsr-4128	131	45	)	)	PUNCT
fsr-4128	131	46	.	.	PUNCT
fsr-4128	132	1	advisors	advisor	NOUN
fsr-4128	132	2	reduce	reduce	VERB
fsr-4128	132	3	home	home	NOUN
fsr-4128	132	4	bias	bias	NOUN
fsr-4128	132	5	(	(	PUNCT
fsr-4128	132	6	see	see	VERB
fsr-4128	132	7	objective	objective	ADJ
fsr-4128	132	8	measures	measure	NOUN
fsr-4128	132	9	section	section	NOUN
fsr-4128	132	10	)	)	PUNCT
fsr-4128	132	11	,	,	PUNCT
fsr-4128	132	12	trend	trend	NOUN
fsr-4128	132	13	chasing	chasing	NOUN
fsr-4128	132	14	(	(	PUNCT
fsr-4128	132	15	d’acunto	d’acunto	ADP
fsr-4128	132	16	et	et	PROPN
fsr-4128	132	17	al	al	PROPN
fsr-4128	132	18	.	.	PROPN
fsr-4128	132	19	,	,	PUNCT
fsr-4128	132	20	2019	2019	NUM
fsr-4128	132	21	)	)	PUNCT
fsr-4128	132	22	,	,	PUNCT
fsr-4128	132	23	and	and	CCONJ
fsr-4128	132	24	the	the	DET
fsr-4128	132	25	disposition	disposition	NOUN
fsr-4128	132	26	effect	effect	NOUN
fsr-4128	132	27	of	of	ADP
fsr-4128	132	28	managed	manage	VERB
fsr-4128	132	29	portfolios	portfolio	NOUN
fsr-4128	132	30	(	(	PUNCT
fsr-4128	132	31	hoechle	hoechle	NOUN
fsr-4128	132	32	et	et	PROPN
fsr-4128	132	33	al	al	PROPN
fsr-4128	132	34	.	.	PROPN
fsr-4128	132	35	,	,	PUNCT
fsr-4128	132	36	2018	2018	NUM
fsr-4128	132	37	)	)	PUNCT
fsr-4128	132	38	.	.	PUNCT
fsr-4128	133	1	marsden	marsden	PROPN
fsr-4128	133	2	et	et	PROPN
fsr-4128	133	3	al	al	PROPN
fsr-4128	133	4	.	.	PROPN
fsr-4128	133	5	(	(	PUNCT
fsr-4128	133	6	2011	2011	NUM
fsr-4128	133	7	)	)	PUNCT
fsr-4128	133	8	suggest	suggest	VERB
fsr-4128	133	9	that	that	SCONJ
fsr-4128	133	10	a	a	DET
fsr-4128	133	11	key	key	ADJ
fsr-4128	133	12	role	role	NOUN
fsr-4128	133	13	of	of	ADP
fsr-4128	133	14	financial	financial	ADJ
fsr-4128	133	15	advisors	advisor	NOUN
fsr-4128	133	16	is	be	AUX
fsr-4128	133	17	to	to	PART
fsr-4128	133	18	help	help	VERB
fsr-4128	133	19	clients	client	NOUN
fsr-4128	133	20	‘	'	PUNCT
fsr-4128	133	21	stay	stay	VERB
fsr-4128	133	22	the	the	DET
fsr-4128	133	23	course	course	NOUN
fsr-4128	133	24	’	'	PUNCT
fsr-4128	133	25	during	during	ADP
fsr-4128	133	26	volatile	volatile	ADJ
fsr-4128	133	27	or	or	CCONJ
fsr-4128	133	28	declining	decline	VERB
fsr-4128	133	29	markets	market	NOUN
fsr-4128	133	30	.	.	PUNCT
fsr-4128	134	1	consistent	consistent	ADJ
fsr-4128	134	2	with	with	ADP
fsr-4128	134	3	this	this	DET
fsr-4128	134	4	argument	argument	NOUN
fsr-4128	134	5	,	,	PUNCT
fsr-4128	134	6	grable	grable	NOUN
fsr-4128	134	7	and	and	CCONJ
fsr-4128	134	8	chatterjee	chatterjee	PROPN
fsr-4128	134	9	(	(	PUNCT
fsr-4128	134	10	2014	2014	NUM
fsr-4128	134	11	)	)	PUNCT
fsr-4128	134	12	found	find	VERB
fsr-4128	134	13	that	that	SCONJ
fsr-4128	134	14	clients	client	NOUN
fsr-4128	134	15	who	who	PRON
fsr-4128	134	16	sought	seek	VERB
fsr-4128	134	17	advice	advice	NOUN
fsr-4128	134	18	from	from	ADP
fsr-4128	134	19	a	a	DET
fsr-4128	134	20	financial	financial	ADJ
fsr-4128	134	21	advisor	advisor	NOUN
fsr-4128	134	22	prior	prior	ADV
fsr-4128	134	23	to	to	ADP
fsr-4128	134	24	the	the	DET
fsr-4128	134	25	global	global	ADJ
fsr-4128	134	26	financial	financial	ADJ
fsr-4128	134	27	crisis	crisis	NOUN
fsr-4128	134	28	(	(	PUNCT
fsr-4128	134	29	gfc	gfc	NOUN
fsr-4128	134	30	)	)	PUNCT
fsr-4128	134	31	experienced	experience	VERB
fsr-4128	134	32	less	less	ADJ
fsr-4128	134	33	wealth	wealth	NOUN
fsr-4128	134	34	volatility	volatility	NOUN
fsr-4128	134	35	during	during	ADP
fsr-4128	134	36	the	the	DET
fsr-4128	134	37	gfc	gfc	NOUN
fsr-4128	134	38	than	than	ADP
fsr-4128	134	39	non	non	ADJ
fsr-4128	134	40	-	-	ADJ
fsr-4128	134	41	advised	advised	ADJ
fsr-4128	134	42	investors	investor	NOUN
fsr-4128	134	43	.	.	PUNCT
fsr-4128	135	1	similarly	similarly	ADV
fsr-4128	135	2	,	,	PUNCT
fsr-4128	135	3	winchester	winchester	PROPN
fsr-4128	135	4	et	et	PROPN
fsr-4128	135	5	al	al	PROPN
fsr-4128	135	6	.	.	PROPN
fsr-4128	136	1	(	(	PUNCT
fsr-4128	136	2	2011	2011	NUM
fsr-4128	136	3	)	)	PUNCT
fsr-4128	136	4	found	find	VERB
fsr-4128	136	5	that	that	SCONJ
fsr-4128	136	6	advised	advise	VERB
fsr-4128	136	7	investors	investor	NOUN
fsr-4128	136	8	were	be	AUX
fsr-4128	136	9	more	more	ADJ
fsr-4128	136	10	than	than	ADP
fsr-4128	136	11	one	one	NUM
fsr-4128	136	12	-	-	PUNCT
fsr-4128	136	13	and	and	CCONJ
fsr-4128	136	14	-	-	PUNCT
fsr-4128	136	15	a	a	DET
fsr-4128	136	16	-	-	PUNCT
fsr-4128	136	17	half	half	NOUN
fsr-4128	136	18	times	time	NOUN
fsr-4128	136	19	more	more	ADV
fsr-4128	136	20	likely	likely	ADJ
fsr-4128	136	21	to	to	PART
fsr-4128	136	22	maintain	maintain	VERB
fsr-4128	136	23	a	a	DET
fsr-4128	136	24	long	long	ADJ
fsr-4128	136	25	-	-	PUNCT
fsr-4128	136	26	term	term	NOUN
fsr-4128	136	27	investment	investment	NOUN
fsr-4128	136	28	strategy	strategy	NOUN
fsr-4128	136	29	than	than	ADP
fsr-4128	136	30	non	non	ADJ
fsr-4128	136	31	-	-	ADJ
fsr-4128	136	32	advised	advised	ADJ
fsr-4128	136	33	investors	investor	NOUN
fsr-4128	136	34	during	during	ADP
fsr-4128	136	35	a	a	DET
fsr-4128	136	36	market	market	NOUN
fsr-4128	136	37	downturn	downturn	NOUN
fsr-4128	136	38	.	.	PUNCT
fsr-4128	137	1	financially	financially	ADV
fsr-4128	137	2	advised	advise	VERB
fsr-4128	137	3	individuals	individual	NOUN
fsr-4128	137	4	also	also	ADV
fsr-4128	137	5	exhibit	exhibit	VERB
fsr-4128	137	6	several	several	ADJ
fsr-4128	137	7	important	important	ADJ
fsr-4128	137	8	financial	financial	ADJ
fsr-4128	137	9	behaviors	behavior	NOUN
fsr-4128	137	10	pertaining	pertain	VERB
fsr-4128	137	11	to	to	ADP
fsr-4128	137	12	savings	saving	NOUN
fsr-4128	137	13	,	,	PUNCT
fsr-4128	137	14	planning	planning	NOUN
fsr-4128	137	15	and	and	CCONJ
fsr-4128	137	16	budgeting	budgeting	NOUN
fsr-4128	137	17	,	,	PUNCT
fsr-4128	137	18	credit	credit	NOUN
fsr-4128	137	19	,	,	PUNCT
fsr-4128	137	20	and	and	CCONJ
fsr-4128	137	21	buying	buying	NOUN
fsr-4128	137	22	behaviors	behavior	NOUN
fsr-4128	137	23	.	.	PUNCT
fsr-4128	138	1	advised	advise	VERB
fsr-4128	138	2	clients	client	NOUN
fsr-4128	138	3	are	be	AUX
fsr-4128	138	4	more	more	ADV
fsr-4128	138	5	likely	likely	ADJ
fsr-4128	138	6	to	to	PART
fsr-4128	138	7	save	save	VERB
fsr-4128	138	8	(	(	PUNCT
fsr-4128	138	9	gerhardt	gerhardt	PROPN
fsr-4128	138	10	&	&	CCONJ
fsr-4128	138	11	hackethal	hackethal	PROPN
fsr-4128	138	12	,	,	PUNCT
fsr-4128	138	13	2009	2009	NUM
fsr-4128	138	14	)	)	PUNCT
fsr-4128	138	15	,	,	PUNCT
fsr-4128	138	16	budget	budget	NOUN
fsr-4128	138	17	(	(	PUNCT
fsr-4128	138	18	bagwell	bagwell	PROPN
fsr-4128	138	19	,	,	PUNCT
fsr-4128	138	20	2000	2000	NUM
fsr-4128	138	21	;	;	PUNCT
fsr-4128	138	22	brackertz	brackertz	PROPN
fsr-4128	138	23	,	,	PUNCT
fsr-4128	138	24	2014	2014	NUM
fsr-4128	138	25	;	;	PUNCT
fsr-4128	138	26	theodos	theodo	NOUN
fsr-4128	138	27	et	et	PROPN
fsr-4128	138	28	al	al	PROPN
fsr-4128	138	29	.	.	PROPN
fsr-4128	138	30	,	,	PUNCT
fsr-4128	138	31	2015	2015	NUM
fsr-4128	138	32	)	)	PUNCT
fsr-4128	138	33	and	and	CCONJ
fsr-4128	138	34	plan	plan	VERB
fsr-4128	138	35	for	for	ADP
fsr-4128	138	36	retirement	retirement	NOUN
fsr-4128	138	37	(	(	PUNCT
fsr-4128	138	38	kim	kim	PROPN
fsr-4128	138	39	&	&	CCONJ
fsr-4128	138	40	garman	garman	PROPN
fsr-4128	138	41	,	,	PUNCT
fsr-4128	138	42	2003	2003	NUM
fsr-4128	138	43	;	;	PUNCT
fsr-4128	139	1	marsden	marsden	PROPN
fsr-4128	139	2	et	et	PROPN
fsr-4128	139	3	al	al	PROPN
fsr-4128	139	4	.	.	PROPN
fsr-4128	139	5	,	,	PUNCT
fsr-4128	139	6	2011	2011	NUM
fsr-4128	139	7	;	;	PUNCT
fsr-4128	139	8	tang	tang	PROPN
fsr-4128	139	9	&	&	CCONJ
fsr-4128	139	10	lachance	lachance	PROPN
fsr-4128	139	11	,	,	PUNCT
fsr-4128	139	12	2012	2012	NUM
fsr-4128	139	13	)	)	PUNCT
fsr-4128	139	14	.	.	PUNCT
fsr-4128	140	1	advice	advice	NOUN
fsr-4128	140	2	recipients	recipient	NOUN
fsr-4128	140	3	are	be	AUX
fsr-4128	140	4	also	also	ADV
fsr-4128	140	5	more	more	ADV
fsr-4128	140	6	likely	likely	ADJ
fsr-4128	140	7	to	to	PART
fsr-4128	140	8	reduce	reduce	VERB
fsr-4128	140	9	their	their	PRON
fsr-4128	140	10	use	use	NOUN
fsr-4128	140	11	of	of	ADP
fsr-4128	140	12	credit	credit	NOUN
fsr-4128	140	13	cards	card	NOUN
fsr-4128	140	14	(	(	PUNCT
fsr-4128	140	15	elliehausen	elliehausen	NOUN
fsr-4128	140	16	et	et	PROPN
fsr-4128	140	17	al	al	PROPN
fsr-4128	140	18	.	.	PROPN
fsr-4128	140	19	,	,	PUNCT
fsr-4128	140	20	2007	2007	NUM
fsr-4128	140	21	;	;	PUNCT
fsr-4128	140	22	woodhead	woodhead	PROPN
fsr-4128	140	23	et	et	PROPN
fsr-4128	140	24	al	al	PROPN
fsr-4128	140	25	.	.	PROPN
fsr-4128	140	26	,	,	PUNCT
fsr-4128	140	27	2017	2017	NUM
fsr-4128	140	28	)	)	PUNCT
fsr-4128	140	29	,	,	PUNCT
fsr-4128	140	30	pay	pay	VERB
fsr-4128	140	31	their	their	PRON
fsr-4128	140	32	bills	bill	NOUN
fsr-4128	140	33	on	on	ADP
fsr-4128	140	34	time	time	NOUN
fsr-4128	140	35	(	(	PUNCT
fsr-4128	140	36	cfpb	cfpb	NOUN
fsr-4128	140	37	,	,	PUNCT
fsr-4128	140	38	2016	2016	NUM
fsr-4128	140	39	)	)	PUNCT
fsr-4128	140	40	,	,	PUNCT
fsr-4128	140	41	compare	compare	VERB
fsr-4128	140	42	their	their	PRON
fsr-4128	140	43	options	option	NOUN
fsr-4128	140	44	before	before	ADP
fsr-4128	140	45	taking	take	VERB
fsr-4128	140	46	out	out	ADP
fsr-4128	140	47	loan	loan	NOUN
fsr-4128	140	48	products	product	NOUN
fsr-4128	140	49	(	(	PUNCT
fsr-4128	140	50	fan	fan	PROPN
fsr-4128	140	51	&	&	CCONJ
fsr-4128	140	52	chatterjee	chatterjee	PROPN
fsr-4128	140	53	,	,	PUNCT
fsr-4128	140	54	2017	2017	NUM
fsr-4128	140	55	)	)	PUNCT
fsr-4128	140	56	and	and	CCONJ
fsr-4128	140	57	prioritize	prioritize	VERB
fsr-4128	140	58	long	long	ADJ
fsr-4128	140	59	-	-	PUNCT
fsr-4128	140	60	term	term	NOUN
fsr-4128	140	61	goals	goal	NOUN
fsr-4128	140	62	over	over	ADP
fsr-4128	140	63	current	current	ADJ
fsr-4128	140	64	consumption	consumption	NOUN
fsr-4128	140	65	(	(	PUNCT
fsr-4128	140	66	bagwell	bagwell	PROPN
fsr-4128	140	67	,	,	PUNCT
fsr-4128	140	68	2000	2000	NUM
fsr-4128	140	69	;	;	PUNCT
fsr-4128	140	70	brackertz	brackertz	PROPN
fsr-4128	140	71	,	,	PUNCT
fsr-4128	140	72	2014	2014	NUM
fsr-4128	140	73	;	;	PUNCT
fsr-4128	140	74	martin	martin	PROPN
fsr-4128	140	75	jr	jr	PROPN
fsr-4128	140	76	et	et	PROPN
fsr-4128	140	77	al	al	PROPN
fsr-4128	140	78	.	.	PROPN
fsr-4128	140	79	,	,	PUNCT
fsr-4128	140	80	2016	2016	NUM
fsr-4128	140	81	)	)	PUNCT
fsr-4128	140	82	.	.	PUNCT
fsr-4128	141	1	the	the	DET
fsr-4128	141	2	literature	literature	NOUN
fsr-4128	141	3	examining	examine	VERB
fsr-4128	141	4	the	the	DET
fsr-4128	141	5	relationship	relationship	NOUN
fsr-4128	141	6	between	between	ADP
fsr-4128	141	7	financial	financial	ADJ
fsr-4128	141	8	advice	advice	NOUN
fsr-4128	141	9	and	and	CCONJ
fsr-4128	141	10	subjective	subjective	ADJ
fsr-4128	141	11	attitudes	attitude	NOUN
fsr-4128	141	12	and	and	CCONJ
fsr-4128	141	13	behaviors	behavior	NOUN
fsr-4128	141	14	is	be	AUX
fsr-4128	141	15	therefore	therefore	ADV
fsr-4128	141	16	largely	largely	ADV
fsr-4128	141	17	positive	positive	ADJ
fsr-4128	141	18	and	and	CCONJ
fsr-4128	141	19	clear	clear	ADJ
fsr-4128	141	20	in	in	ADP
fsr-4128	141	21	terms	term	NOUN
fsr-4128	141	22	of	of	ADP
fsr-4128	141	23	the	the	DET
fsr-4128	141	24	benefits	benefit	NOUN
fsr-4128	141	25	it	it	PRON
fsr-4128	141	26	provides	provide	VERB
fsr-4128	141	27	.	.	PUNCT
fsr-4128	142	1	the	the	DET
fsr-4128	142	2	emerging	emerge	VERB
fsr-4128	142	3	literature	literature	NOUN
fsr-4128	142	4	examining	examine	VERB
fsr-4128	142	5	the	the	DET
fsr-4128	142	6	relationship	relationship	NOUN
fsr-4128	142	7	between	between	ADP
fsr-4128	142	8	financial	financial	ADJ
fsr-4128	142	9	advice	advice	NOUN
fsr-4128	142	10	and	and	CCONJ
fsr-4128	142	11	financial	financial	ADJ
fsr-4128	142	12	literacy	literacy	NOUN
fsr-4128	142	13	is	be	AUX
fsr-4128	142	14	less	less	ADV
fsr-4128	142	15	distinct	distinct	ADJ
fsr-4128	142	16	.	.	PUNCT
fsr-4128	143	1	while	while	SCONJ
fsr-4128	143	2	a	a	DET
fsr-4128	143	3	comprehensive	comprehensive	ADJ
fsr-4128	143	4	review	review	NOUN
fsr-4128	143	5	is	be	AUX
fsr-4128	143	6	outside	outside	ADP
fsr-4128	143	7	the	the	DET
fsr-4128	143	8	scope	scope	NOUN
fsr-4128	143	9	of	of	ADP
fsr-4128	143	10	this	this	DET
fsr-4128	143	11	paper	paper	NOUN
fsr-4128	143	12	,	,	PUNCT
fsr-4128	143	13	our	our	PRON
fsr-4128	143	14	review	review	NOUN
fsr-4128	143	15	finds	find	VERB
fsr-4128	143	16	most	most	ADJ
fsr-4128	143	17	studies	study	NOUN
fsr-4128	143	18	report	report	VERB
fsr-4128	143	19	no	no	DET
fsr-4128	143	20	or	or	CCONJ
fsr-4128	143	21	limited	limited	ADJ
fsr-4128	143	22	improvements	improvement	NOUN
fsr-4128	143	23	in	in	ADP
fsr-4128	143	24	objective	objective	ADJ
fsr-4128	143	25	financial	financial	ADJ
fsr-4128	143	26	literacy	literacy	NOUN
fsr-4128	143	27	from	from	ADP
fsr-4128	143	28	financial	financial	ADJ
fsr-4128	143	29	advice	advice	NOUN
fsr-4128	143	30	(	(	PUNCT
fsr-4128	143	31	e.g.	e.g.	ADV
fsr-4128	143	32	,	,	PUNCT
fsr-4128	143	33	britt	britt	PROPN
fsr-4128	143	34	et	et	PROPN
fsr-4128	143	35	al	al	PROPN
fsr-4128	143	36	.	.	PROPN
fsr-4128	143	37	,	,	PUNCT
fsr-4128	143	38	2015	2015	NUM
fsr-4128	143	39	;	;	PUNCT
fsr-4128	143	40	tang	tang	PROPN
fsr-4128	143	41	&	&	CCONJ
fsr-4128	143	42	lachance	lachance	PROPN
fsr-4128	143	43	,	,	PUNCT
fsr-4128	143	44	2012	2012	NUM
fsr-4128	143	45	;	;	PUNCT
fsr-4128	143	46	theodos	theodo	NOUN
fsr-4128	143	47	et	et	PROPN
fsr-4128	143	48	al	al	PROPN
fsr-4128	143	49	,	,	PUNCT
fsr-4128	143	50	2015	2015	NUM
fsr-4128	143	51	)	)	PUNCT
fsr-4128	143	52	.	.	PUNCT
fsr-4128	144	1	these	these	DET
fsr-4128	144	2	null	null	ADJ
fsr-4128	144	3	findings	finding	NOUN
fsr-4128	144	4	are	be	AUX
fsr-4128	144	5	purportedly	purportedly	ADV
fsr-4128	144	6	the	the	DET
fsr-4128	144	7	result	result	NOUN
fsr-4128	144	8	of	of	ADP
fsr-4128	144	9	several	several	ADJ
fsr-4128	144	10	factors	factor	NOUN
fsr-4128	144	11	,	,	PUNCT
fsr-4128	144	12	including	include	VERB
fsr-4128	144	13	poor	poor	ADJ
fsr-4128	144	14	attendance	attendance	NOUN
fsr-4128	144	15	at	at	ADP
fsr-4128	144	16	coaching	coaching	NOUN
fsr-4128	144	17	sessions	session	NOUN
fsr-4128	144	18	(	(	PUNCT
fsr-4128	144	19	theodos	theodo	NOUN
fsr-4128	144	20	et	et	NOUN
fsr-4128	144	21	al	al	PROPN
fsr-4128	144	22	.	.	PROPN
fsr-4128	144	23	,	,	PUNCT
fsr-4128	144	24	2015	2015	NUM
fsr-4128	144	25	)	)	PUNCT
fsr-4128	144	26	;	;	PUNCT
fsr-4128	145	1	lack	lack	NOUN
fsr-4128	145	2	of	of	ADP
fsr-4128	145	3	participant	participant	ADJ
fsr-4128	145	4	motivation	motivation	NOUN
fsr-4128	145	5	,	,	PUNCT
fsr-4128	145	6	engagement	engagement	NOUN
fsr-4128	145	7	,	,	PUNCT
fsr-4128	145	8	willpower	willpower	NOUN
fsr-4128	145	9	,	,	PUNCT
fsr-4128	145	10	or	or	CCONJ
fsr-4128	145	11	patience	patience	NOUN
fsr-4128	145	12	(	(	PUNCT
fsr-4128	145	13	hung	hung	PROPN
fsr-4128	145	14	&	&	CCONJ
fsr-4128	145	15	yoong	yoong	PROPN
fsr-4128	145	16	,	,	PUNCT
fsr-4128	145	17	2013	2013	NUM
fsr-4128	145	18	;	;	PUNCT
fsr-4128	145	19	theodos	theodo	NOUN
fsr-4128	145	20	et	et	PROPN
fsr-4128	145	21	al	al	PROPN
fsr-4128	145	22	.	.	PROPN
fsr-4128	145	23	,	,	PUNCT
fsr-4128	145	24	2015	2015	NUM
fsr-4128	145	25	)	)	PUNCT
fsr-4128	145	26	;	;	PUNCT
fsr-4128	145	27	and	and	CCONJ
fsr-4128	145	28	the	the	DET
fsr-4128	145	29	temporal	temporal	ADJ
fsr-4128	145	30	nature	nature	NOUN
fsr-4128	145	31	of	of	ADP
fsr-4128	145	32	the	the	DET
fsr-4128	145	33	advice	advice	NOUN
fsr-4128	145	34	(	(	PUNCT
fsr-4128	145	35	with	with	ADP
fsr-4128	145	36	brief	brief	ADJ
fsr-4128	145	37	ad	ad	NOUN
fsr-4128	145	38	-	-	PUNCT
fsr-4128	145	39	hoc	hoc	X
fsr-4128	145	40	education	education	NOUN
fsr-4128	145	41	interventions	intervention	NOUN
fsr-4128	145	42	having	have	VERB
fsr-4128	145	43	higher	high	ADJ
fsr-4128	145	44	rates	rate	NOUN
fsr-4128	145	45	of	of	ADP
fsr-4128	145	46	financial	financial	ADJ
fsr-4128	145	47	literacy	literacy	NOUN
fsr-4128	145	48	decay	decay	NOUN
fsr-4128	145	49	)	)	PUNCT
fsr-4128	145	50	(	(	PUNCT
fsr-4128	145	51	migliavacca	migliavacca	NOUN
fsr-4128	145	52	,	,	PUNCT
fsr-4128	145	53	2020	2020	NUM
fsr-4128	145	54	)	)	PUNCT
fsr-4128	145	55	.	.	PUNCT
fsr-4128	146	1	we	we	PRON
fsr-4128	146	2	also	also	ADV
fsr-4128	146	3	contend	contend	VERB
fsr-4128	146	4	that	that	SCONJ
fsr-4128	146	5	studies	study	NOUN
fsr-4128	146	6	using	use	VERB
fsr-4128	146	7	‘	'	PUNCT
fsr-4128	146	8	have	have	AUX
fsr-4128	146	9	obtained	obtain	VERB
fsr-4128	146	10	financial	financial	ADJ
fsr-4128	146	11	advice	advice	NOUN
fsr-4128	146	12	’	'	PUNCT
fsr-4128	146	13	(	(	PUNCT
fsr-4128	146	14	e.g.	e.g.	ADV
fsr-4128	146	15	,	,	PUNCT
fsr-4128	146	16	tang	tang	PROPN
fsr-4128	146	17	&	&	CCONJ
fsr-4128	146	18	lachance	lachance	PROPN
fsr-4128	146	19	,	,	PUNCT
fsr-4128	146	20	2012	2012	NUM
fsr-4128	146	21	)	)	PUNCT
fsr-4128	146	22	are	be	AUX
fsr-4128	146	23	poor	poor	ADJ
fsr-4128	146	24	proxies	proxy	NOUN
fsr-4128	146	25	for	for	ADP
fsr-4128	146	26	financial	financial	ADJ
fsr-4128	146	27	advice	advice	NOUN
fsr-4128	146	28	due	due	ADP
fsr-4128	146	29	to	to	ADP
fsr-4128	146	30	lack	lack	NOUN
fsr-4128	146	31	of	of	ADP
fsr-4128	146	32	information	information	NOUN
fsr-4128	146	33	and	and	CCONJ
fsr-4128	146	34	context	context	NOUN
fsr-4128	146	35	on	on	ADP
fsr-4128	146	36	what	what	PRON
fsr-4128	146	37	the	the	DET
fsr-4128	146	38	advice	advice	NOUN
fsr-4128	146	39	entailed	entail	VERB
fsr-4128	146	40	and	and	CCONJ
fsr-4128	146	41	may	may	AUX
fsr-4128	146	42	therefore	therefore	ADV
fsr-4128	146	43	also	also	ADV
fsr-4128	146	44	contribute	contribute	VERB
fsr-4128	146	45	to	to	ADP
fsr-4128	146	46	the	the	DET
fsr-4128	146	47	null	null	ADJ
fsr-4128	146	48	findings	finding	NOUN
fsr-4128	146	49	.	.	PUNCT
fsr-4128	147	1	although	although	SCONJ
fsr-4128	147	2	null	null	ADJ
fsr-4128	147	3	or	or	CCONJ
fsr-4128	147	4	limited	limited	ADJ
fsr-4128	147	5	associations	association	NOUN
fsr-4128	147	6	have	have	AUX
fsr-4128	147	7	been	be	AUX
fsr-4128	147	8	reported	report	VERB
fsr-4128	147	9	between	between	ADP
fsr-4128	147	10	financial	financial	ADJ
fsr-4128	147	11	advice	advice	NOUN
fsr-4128	147	12	and	and	CCONJ
fsr-4128	147	13	objective	objective	ADJ
fsr-4128	147	14	financial	financial	ADJ
fsr-4128	147	15	literacy	literacy	NOUN
fsr-4128	147	16	,	,	PUNCT
fsr-4128	147	17	positive	positive	ADJ
fsr-4128	147	18	effects	effect	NOUN
fsr-4128	147	19	have	have	AUX
fsr-4128	147	20	been	be	AUX
fsr-4128	147	21	consistently	consistently	ADV
fsr-4128	147	22	reported	report	VERB
fsr-4128	147	23	on	on	ADP
fsr-4128	147	24	subjective	subjective	ADJ
fsr-4128	147	25	financial	financial	ADJ
fsr-4128	147	26	literacy	literacy	NOUN
fsr-4128	147	27	,	,	PUNCT
fsr-4128	147	28	attitudes	attitude	NOUN
fsr-4128	147	29	and	and	CCONJ
fsr-4128	147	30	behaviors	behavior	NOUN
fsr-4128	147	31	(	(	PUNCT
fsr-4128	147	32	e.g.	e.g.	ADV
fsr-4128	147	33	,	,	PUNCT
fsr-4128	147	34	brackertz	brackertz	NOUN
fsr-4128	147	35	,	,	PUNCT
fsr-4128	147	36	2014	2014	NUM
fsr-4128	147	37	;	;	PUNCT
fsr-4128	147	38	britt	britt	PROPN
fsr-4128	147	39	et	et	PROPN
fsr-4128	147	40	al	al	PROPN
fsr-4128	147	41	.	.	PROPN
fsr-4128	147	42	,	,	PUNCT
fsr-4128	147	43	2015	2015	NUM
fsr-4128	147	44	;	;	PUNCT
fsr-4128	147	45	kim	kim	PROPN
fsr-4128	147	46	&	&	CCONJ
fsr-4128	147	47	garman	garman	PROPN
fsr-4128	147	48	,	,	PUNCT
fsr-4128	147	49	2003	2003	NUM
fsr-4128	147	50	;	;	PUNCT
fsr-4128	147	51	theodos	theodo	NOUN
fsr-4128	147	52	et	et	PROPN
fsr-4128	147	53	al	al	PROPN
fsr-4128	147	54	.	.	PROPN
fsr-4128	147	55	,	,	PUNCT
fsr-4128	147	56	2015	2015	NUM
fsr-4128	147	57	)	)	PUNCT
fsr-4128	147	58	.	.	PUNCT
fsr-4128	148	1	these	these	DET
fsr-4128	148	2	mixed	mixed	ADJ
fsr-4128	148	3	results	result	NOUN
fsr-4128	148	4	have	have	AUX
fsr-4128	148	5	lead	lead	VERB
fsr-4128	148	6	theodos	theodo	NOUN
fsr-4128	148	7	et	et	NOUN
fsr-4128	148	8	al	al	PROPN
fsr-4128	148	9	.	.	PROPN
fsr-4128	149	1	(	(	PUNCT
fsr-4128	149	2	2015	2015	NUM
fsr-4128	149	3	,	,	PUNCT
fsr-4128	149	4	p.	p.	NOUN
fsr-4128	149	5	151	151	NUM
fsr-4128	149	6	)	)	PUNCT
fsr-4128	149	7	to	to	PART
fsr-4128	149	8	conclude	conclude	VERB
fsr-4128	149	9	that	that	SCONJ
fsr-4128	149	10	advice	advice	NOUN
fsr-4128	149	11	effects	effect	NOUN
fsr-4128	149	12	“	"	PUNCT
fsr-4128	149	13	may	may	AUX
fsr-4128	149	14	derive	derive	VERB
fsr-4128	149	15	directly	directly	ADV
fsr-4128	149	16	from	from	ADP
fsr-4128	149	17	behavioral	behavioral	ADJ
fsr-4128	149	18	change	change	NOUN
fsr-4128	149	19	or	or	CCONJ
fsr-4128	149	20	skill	skill	NOUN
fsr-4128	149	21	formation	formation	NOUN
fsr-4128	149	22	,	,	PUNCT
fsr-4128	149	23	rather	rather	ADV
fsr-4128	149	24	than	than	ADP
fsr-4128	149	25	through	through	ADP
fsr-4128	149	26	increases	increase	NOUN
fsr-4128	149	27	in	in	ADP
fsr-4128	149	28	more	more	ADJ
fsr-4128	149	29	abstract	abstract	ADJ
fsr-4128	149	30	knowledge	knowledge	NOUN
fsr-4128	149	31	.	.	PUNCT
fsr-4128	149	32	”	"	PUNCT
fsr-4128	150	1	individual	individual	ADJ
fsr-4128	150	2	factors	factor	NOUN
fsr-4128	150	3	have	have	AUX
fsr-4128	150	4	also	also	ADV
fsr-4128	150	5	been	be	AUX
fsr-4128	150	6	influential	influential	ADJ
fsr-4128	150	7	and	and	CCONJ
fsr-4128	150	8	add	add	VERB
fsr-4128	150	9	context	context	NOUN
fsr-4128	150	10	,	,	PUNCT
fsr-4128	150	11	with	with	ADP
fsr-4128	150	12	trust	trust	NOUN
fsr-4128	150	13	,	,	PUNCT
fsr-4128	150	14	willingness	willingness	NOUN
fsr-4128	150	15	to	to	PART
fsr-4128	150	16	learn	learn	VERB
fsr-4128	150	17	,	,	PUNCT
fsr-4128	150	18	and	and	CCONJ
fsr-4128	150	19	the	the	DET
fsr-4128	150	20	length	length	NOUN
fsr-4128	150	21	of	of	ADP
fsr-4128	150	22	the	the	DET
fsr-4128	150	23	clientadvisor	clientadvisor	NOUN
fsr-4128	150	24	relationship	relationship	NOUN
fsr-4128	150	25	having	have	VERB
fsr-4128	150	26	significant	significant	ADJ
fsr-4128	150	27	positive	positive	ADJ
fsr-4128	150	28	effects	effect	NOUN
fsr-4128	150	29	on	on	ADP
fsr-4128	150	30	financial	financial	ADJ
fsr-4128	150	31	literacy	literacy	NOUN
fsr-4128	150	32	(	(	PUNCT
fsr-4128	150	33	hung	hung	NOUN
fsr-4128	150	34	&	&	CCONJ
fsr-4128	150	35	yoong	yoong	PROPN
fsr-4128	150	36	,	,	PUNCT
fsr-4128	150	37	2013	2013	NUM
fsr-4128	150	38	;	;	PUNCT
fsr-4128	150	39	linh	linh	PROPN
fsr-4128	150	40	et	et	PROPN
fsr-4128	150	41	al	al	PROPN
fsr-4128	150	42	.	.	PROPN
fsr-4128	150	43	,	,	PUNCT
fsr-4128	150	44	2016	2016	NUM
fsr-4128	150	45	;	;	PUNCT
fsr-4128	150	46	migliavacca	migliavacca	NOUN
fsr-4128	150	47	,	,	PUNCT
fsr-4128	150	48	2020	2020	NUM
fsr-4128	150	49	)	)	PUNCT
fsr-4128	150	50	.	.	PUNCT
fsr-4128	151	1	however	however	ADV
fsr-4128	151	2	,	,	PUNCT
fsr-4128	151	3	more	more	ADV
fsr-4128	151	4	recent	recent	ADJ
fsr-4128	151	5	research	research	NOUN
fsr-4128	151	6	provides	provide	VERB
fsr-4128	151	7	evidence	evidence	NOUN
fsr-4128	151	8	for	for	ADP
fsr-4128	151	9	the	the	DET
fsr-4128	151	10	argument	argument	NOUN
fsr-4128	151	11	that	that	SCONJ
fsr-4128	151	12	individual	individual	ADJ
fsr-4128	151	13	factors	factor	NOUN
fsr-4128	151	14	alone	alone	ADV
fsr-4128	151	15	are	be	AUX
fsr-4128	151	16	insufficient	insufficient	ADJ
fsr-4128	151	17	to	to	PART
fsr-4128	151	18	improve	improve	VERB
fsr-4128	151	19	financial	financial	ADJ
fsr-4128	151	20	capability	capability	NOUN
fsr-4128	151	21	(	(	PUNCT
fsr-4128	151	22	financial	financial	ADJ
fsr-4128	151	23	literacy	literacy	NOUN
fsr-4128	151	24	,	,	PUNCT
fsr-4128	151	25	attitudes	attitude	NOUN
fsr-4128	151	26	,	,	PUNCT
fsr-4128	151	27	and	and	CCONJ
fsr-4128	151	28	behavior	behavior	NOUN
fsr-4128	151	29	)	)	PUNCT
fsr-4128	151	30	and	and	CCONJ
fsr-4128	151	31	wellbeing	wellbee	VERB
fsr-4128	151	32	.	.	PUNCT
fsr-4128	152	1	fu	fu	NOUN
fsr-4128	152	2	(	(	PUNCT
fsr-4128	152	3	2020	2020	NUM
fsr-4128	152	4	)	)	PUNCT
fsr-4128	152	5	used	use	VERB
fsr-4128	152	6	an	an	DET
fsr-4128	152	7	institutionalist	institutionalist	ADJ
fsr-4128	152	8	approach	approach	NOUN
fsr-4128	152	9	,	,	PUNCT
fsr-4128	152	10	emphasizing	emphasize	VERB
fsr-4128	152	11	that	that	SCONJ
fsr-4128	152	12	individuals	individual	NOUN
fsr-4128	152	13	need	need	VERB
fsr-4128	152	14	both	both	CCONJ
fsr-4128	152	15	the	the	DET
fsr-4128	152	16	ability	ability	NOUN
fsr-4128	152	17	(	(	PUNCT
fsr-4128	152	18	financial	financial	ADJ
fsr-4128	152	19	macdonald	macdonald	PROPN
fsr-4128	152	20	et	et	PROPN
fsr-4128	152	21	al	al	PROPN
fsr-4128	152	22	.	.	PROPN
fsr-4128	152	23	141	141	NUM
fsr-4128	152	24	knowledge	knowledge	NOUN
fsr-4128	152	25	,	,	PUNCT
fsr-4128	152	26	attitude	attitude	NOUN
fsr-4128	152	27	,	,	PUNCT
fsr-4128	152	28	behavior	behavior	NOUN
fsr-4128	152	29	,	,	PUNCT
fsr-4128	152	30	motivation	motivation	NOUN
fsr-4128	152	31	)	)	PUNCT
fsr-4128	152	32	and	and	CCONJ
fsr-4128	152	33	the	the	DET
fsr-4128	152	34	opportunity	opportunity	NOUN
fsr-4128	152	35	(	(	PUNCT
fsr-4128	152	36	through	through	ADP
fsr-4128	152	37	access	access	NOUN
fsr-4128	152	38	to	to	ADP
fsr-4128	152	39	financial	financial	ADJ
fsr-4128	152	40	products	product	NOUN
fsr-4128	152	41	and	and	CCONJ
fsr-4128	152	42	institutions	institution	NOUN
fsr-4128	152	43	)	)	PUNCT
fsr-4128	152	44	to	to	PART
fsr-4128	152	45	act	act	VERB
fsr-4128	152	46	,	,	PUNCT
fsr-4128	152	47	thus	thus	ADV
fsr-4128	152	48	advocating	advocate	VERB
fsr-4128	152	49	for	for	ADP
fsr-4128	152	50	a	a	DET
fsr-4128	152	51	wider	wide	ADJ
fsr-4128	152	52	context	context	NOUN
fsr-4128	152	53	to	to	AUX
fsr-4128	152	54	more	more	ADV
fsr-4128	152	55	definitively	definitively	ADV
fsr-4128	152	56	measure	measure	VERB
fsr-4128	152	57	financial	financial	ADJ
fsr-4128	152	58	capability	capability	NOUN
fsr-4128	152	59	and	and	CCONJ
fsr-4128	152	60	predict	predict	VERB
fsr-4128	152	61	the	the	DET
fsr-4128	152	62	factors	factor	NOUN
fsr-4128	152	63	that	that	PRON
fsr-4128	152	64	enhance	enhance	VERB
fsr-4128	152	65	or	or	CCONJ
fsr-4128	152	66	inhibit	inhibit	VERB
fsr-4128	152	67	financial	financial	ADJ
fsr-4128	152	68	wellbeing	wellbeing	NOUN
fsr-4128	152	69	.	.	PUNCT
fsr-4128	153	1	from	from	ADP
fsr-4128	153	2	the	the	DET
fsr-4128	153	3	research	research	NOUN
fsr-4128	153	4	presented	present	VERB
fsr-4128	153	5	,	,	PUNCT
fsr-4128	153	6	we	we	PRON
fsr-4128	153	7	conclude	conclude	VERB
fsr-4128	153	8	that	that	SCONJ
fsr-4128	153	9	financial	financial	ADJ
fsr-4128	153	10	advice	advice	NOUN
fsr-4128	153	11	can	can	AUX
fsr-4128	153	12	enhance	enhance	VERB
fsr-4128	153	13	individuals	individual	NOUN
fsr-4128	153	14	’	'	PUNCT
fsr-4128	153	15	financial	financial	ADJ
fsr-4128	153	16	knowledge	knowledge	NOUN
fsr-4128	153	17	,	,	PUNCT
fsr-4128	153	18	attitudes	attitude	NOUN
fsr-4128	153	19	,	,	PUNCT
fsr-4128	153	20	and	and	CCONJ
fsr-4128	153	21	behaviors	behavior	NOUN
fsr-4128	153	22	,	,	PUNCT
fsr-4128	153	23	but	but	CCONJ
fsr-4128	153	24	that	that	SCONJ
fsr-4128	153	25	unmeasured	unmeasure	VERB
fsr-4128	153	26	psychosocial	psychosocial	ADJ
fsr-4128	153	27	and	and	CCONJ
fsr-4128	153	28	environmental	environmental	ADJ
fsr-4128	153	29	factors	factor	NOUN
fsr-4128	153	30	can	can	AUX
fsr-4128	153	31	affect	affect	VERB
fsr-4128	153	32	whether	whether	SCONJ
fsr-4128	153	33	and	and	CCONJ
fsr-4128	153	34	to	to	ADP
fsr-4128	153	35	what	what	DET
fsr-4128	153	36	extent	extent	NOUN
fsr-4128	153	37	financial	financial	ADJ
fsr-4128	153	38	literacy	literacy	NOUN
fsr-4128	153	39	translates	translate	VERB
fsr-4128	153	40	into	into	ADP
fsr-4128	153	41	lasting	lasting	ADJ
fsr-4128	153	42	behavioral	behavioral	ADJ
fsr-4128	153	43	change	change	NOUN
fsr-4128	153	44	and	and	CCONJ
fsr-4128	153	45	financial	financial	ADJ
fsr-4128	153	46	wellbeing	wellbeing	NOUN
fsr-4128	153	47	.	.	PUNCT
fsr-4128	154	1	this	this	DET
fsr-4128	154	2	highlights	highlight	NOUN
fsr-4128	154	3	the	the	DET
fsr-4128	154	4	need	need	NOUN
fsr-4128	154	5	for	for	ADP
fsr-4128	154	6	longitudinal	longitudinal	ADJ
fsr-4128	154	7	research	research	NOUN
fsr-4128	154	8	across	across	ADP
fsr-4128	154	9	jurisdictions	jurisdiction	NOUN
fsr-4128	154	10	that	that	PRON
fsr-4128	154	11	is	be	AUX
fsr-4128	154	12	premised	premise	VERB
fsr-4128	154	13	on	on	ADP
fsr-4128	154	14	a	a	DET
fsr-4128	154	15	conceptual	conceptual	ADJ
fsr-4128	154	16	framework	framework	NOUN
fsr-4128	154	17	of	of	ADP
fsr-4128	154	18	the	the	DET
fsr-4128	154	19	value	value	NOUN
fsr-4128	154	20	of	of	ADP
fsr-4128	154	21	advice	advice	NOUN
fsr-4128	154	22	to	to	PART
fsr-4128	154	23	rigorously	rigorously	ADV
fsr-4128	154	24	examine	examine	VERB
fsr-4128	154	25	its	its	PRON
fsr-4128	154	26	impact	impact	NOUN
fsr-4128	154	27	.	.	PUNCT
fsr-4128	155	1	other	other	ADJ
fsr-4128	155	2	aspects	aspect	NOUN
fsr-4128	155	3	of	of	ADP
fsr-4128	155	4	wellbeing	wellbee	VERB
fsr-4128	155	5	the	the	DET
fsr-4128	155	6	second	second	ADJ
fsr-4128	155	7	theme	theme	NOUN
fsr-4128	155	8	identified	identify	VERB
fsr-4128	155	9	in	in	ADP
fsr-4128	155	10	this	this	DET
fsr-4128	155	11	review	review	NOUN
fsr-4128	155	12	pertains	pertain	VERB
fsr-4128	155	13	to	to	ADP
fsr-4128	155	14	other	other	ADJ
fsr-4128	155	15	aspects	aspect	NOUN
fsr-4128	155	16	of	of	ADP
fsr-4128	155	17	wellbeing	wellbee	VERB
fsr-4128	155	18	beyond	beyond	ADP
fsr-4128	155	19	financial	financial	ADJ
fsr-4128	155	20	wellbeing	wellbeing	NOUN
fsr-4128	155	21	,	,	PUNCT
fsr-4128	155	22	including	include	VERB
fsr-4128	155	23	mental	mental	ADJ
fsr-4128	155	24	,	,	PUNCT
fsr-4128	155	25	physical	physical	ADJ
fsr-4128	155	26	,	,	PUNCT
fsr-4128	155	27	and	and	CCONJ
fsr-4128	155	28	social	social	ADJ
fsr-4128	155	29	wellbeing	wellbeing	NOUN
fsr-4128	155	30	.	.	PUNCT
fsr-4128	156	1	the	the	DET
fsr-4128	156	2	world	world	PROPN
fsr-4128	156	3	health	health	PROPN
fsr-4128	156	4	organization	organization	NOUN
fsr-4128	156	5	(	(	PUNCT
fsr-4128	156	6	who	who	PRON
fsr-4128	156	7	)	)	PUNCT
fsr-4128	156	8	(	(	PUNCT
fsr-4128	156	9	2023	2023	NUM
fsr-4128	156	10	,	,	PUNCT
fsr-4128	156	11	para	para	NOUN
fsr-4128	156	12	.	.	PUNCT
fsr-4128	156	13	3	3	NUM
fsr-4128	156	14	)	)	PUNCT
fsr-4128	156	15	defines	define	VERB
fsr-4128	156	16	mental	mental	ADJ
fsr-4128	156	17	wellbeing	wellbeing	NOUN
fsr-4128	156	18	as	as	ADP
fsr-4128	156	19	“	"	PUNCT
fsr-4128	156	20	a	a	DET
fsr-4128	156	21	state	state	NOUN
fsr-4128	156	22	in	in	ADP
fsr-4128	156	23	which	which	PRON
fsr-4128	156	24	an	an	DET
fsr-4128	156	25	individual	individual	NOUN
fsr-4128	156	26	acknowledges	acknowledge	VERB
fsr-4128	156	27	their	their	PRON
fsr-4128	156	28	own	own	ADJ
fsr-4128	156	29	abilities	ability	NOUN
fsr-4128	156	30	,	,	PUNCT
fsr-4128	156	31	can	can	AUX
fsr-4128	156	32	cope	cope	VERB
fsr-4128	156	33	with	with	ADP
fsr-4128	156	34	everyday	everyday	ADJ
fsr-4128	156	35	life	life	NOUN
fsr-4128	156	36	stresses	stress	NOUN
fsr-4128	156	37	,	,	PUNCT
fsr-4128	156	38	work	work	VERB
fsr-4128	156	39	productively	productively	ADV
fsr-4128	156	40	,	,	PUNCT
fsr-4128	156	41	and	and	CCONJ
fsr-4128	156	42	contribute	contribute	VERB
fsr-4128	156	43	to	to	ADP
fsr-4128	156	44	their	their	PRON
fsr-4128	156	45	community	community	NOUN
fsr-4128	156	46	”	"	PUNCT
fsr-4128	156	47	.	.	PUNCT
fsr-4128	157	1	physical	physical	ADJ
fsr-4128	157	2	wellbeing	wellbeing	NOUN
fsr-4128	157	3	encompasses	encompass	VERB
fsr-4128	157	4	not	not	PART
fsr-4128	157	5	only	only	ADV
fsr-4128	157	6	the	the	DET
fsr-4128	157	7	absence	absence	NOUN
fsr-4128	157	8	of	of	ADP
fsr-4128	157	9	chronic	chronic	ADJ
fsr-4128	157	10	disease	disease	NOUN
fsr-4128	157	11	,	,	PUNCT
fsr-4128	157	12	but	but	CCONJ
fsr-4128	157	13	feeling	feel	VERB
fsr-4128	157	14	healthy	healthy	ADJ
fsr-4128	157	15	and	and	CCONJ
fsr-4128	157	16	energetic	energetic	ADJ
fsr-4128	157	17	,	,	PUNCT
fsr-4128	157	18	combined	combine	VERB
fsr-4128	157	19	with	with	ADP
fsr-4128	157	20	healthy	healthy	ADJ
fsr-4128	157	21	sleep	sleep	NOUN
fsr-4128	157	22	and	and	CCONJ
fsr-4128	157	23	regular	regular	ADJ
fsr-4128	157	24	physical	physical	ADJ
fsr-4128	157	25	activity	activity	NOUN
fsr-4128	157	26	(	(	PUNCT
fsr-4128	157	27	zemtsov	zemtsov	PROPN
fsr-4128	157	28	&	&	CCONJ
fsr-4128	157	29	osipova	osipova	PROPN
fsr-4128	157	30	,	,	PUNCT
fsr-4128	157	31	2016	2016	NUM
fsr-4128	157	32	)	)	PUNCT
fsr-4128	157	33	.	.	PUNCT
fsr-4128	158	1	social	social	ADJ
fsr-4128	158	2	wellbeing	wellbeing	NOUN
fsr-4128	158	3	is	be	AUX
fsr-4128	158	4	described	describe	VERB
fsr-4128	158	5	as	as	ADP
fsr-4128	158	6	a	a	DET
fsr-4128	158	7	degree	degree	NOUN
fsr-4128	158	8	of	of	ADP
fsr-4128	158	9	involvement	involvement	NOUN
fsr-4128	158	10	in	in	ADP
fsr-4128	158	11	social	social	ADJ
fsr-4128	158	12	networks	network	NOUN
fsr-4128	158	13	,	,	PUNCT
fsr-4128	158	14	together	together	ADV
fsr-4128	158	15	with	with	ADP
fsr-4128	158	16	social	social	ADJ
fsr-4128	158	17	support	support	NOUN
fsr-4128	158	18	that	that	PRON
fsr-4128	158	19	is	be	AUX
fsr-4128	158	20	both	both	PRON
fsr-4128	158	21	received	receive	VERB
fsr-4128	158	22	and	and	CCONJ
fsr-4128	158	23	perceived	perceive	VERB
fsr-4128	158	24	to	to	PART
fsr-4128	158	25	be	be	AUX
fsr-4128	158	26	available	available	ADJ
fsr-4128	158	27	when	when	SCONJ
fsr-4128	158	28	called	call	VERB
fsr-4128	158	29	upon	upon	SCONJ
fsr-4128	158	30	(	(	PUNCT
fsr-4128	158	31	holt	holt	NOUN
fsr-4128	158	32	-	-	PUNCT
fsr-4128	158	33	lunstad	lunstad	PROPN
fsr-4128	158	34	et	et	PROPN
fsr-4128	158	35	al	al	PROPN
fsr-4128	158	36	.	.	PROPN
fsr-4128	158	37	,	,	PUNCT
fsr-4128	158	38	2010	2010	NUM
fsr-4128	158	39	)	)	PUNCT
fsr-4128	158	40	.	.	PUNCT
fsr-4128	159	1	all	all	DET
fsr-4128	159	2	three	three	NUM
fsr-4128	159	3	aspects	aspect	NOUN
fsr-4128	159	4	of	of	ADP
fsr-4128	159	5	wellbeing	wellbeing	NOUN
fsr-4128	159	6	are	be	AUX
fsr-4128	159	7	considered	consider	VERB
fsr-4128	159	8	integral	integral	ADJ
fsr-4128	159	9	to	to	ADP
fsr-4128	159	10	overall	overall	ADJ
fsr-4128	159	11	health	health	NOUN
fsr-4128	159	12	(	(	PUNCT
fsr-4128	159	13	who	who	PRON
fsr-4128	159	14	,	,	PUNCT
fsr-4128	159	15	2023	2023	NUM
fsr-4128	159	16	)	)	PUNCT
fsr-4128	159	17	and	and	CCONJ
fsr-4128	159	18	are	be	AUX
fsr-4128	159	19	covered	cover	VERB
fsr-4128	159	20	in	in	ADP
fsr-4128	159	21	varying	vary	VERB
fsr-4128	159	22	degrees	degree	NOUN
fsr-4128	159	23	in	in	ADP
fsr-4128	159	24	the	the	DET
fsr-4128	159	25	financial	financial	ADJ
fsr-4128	159	26	advice	advice	NOUN
fsr-4128	159	27	literature	literature	NOUN
fsr-4128	159	28	,	,	PUNCT
fsr-4128	159	29	with	with	ADP
fsr-4128	159	30	mental	mental	ADJ
fsr-4128	159	31	wellbeing	wellbeing	NOUN
fsr-4128	159	32	having	having	AUX
fsr-4128	159	33	been	be	AUX
fsr-4128	159	34	examined	examine	VERB
fsr-4128	159	35	the	the	DET
fsr-4128	159	36	most	most	ADJ
fsr-4128	159	37	.	.	PUNCT
fsr-4128	160	1	insights	insight	NOUN
fsr-4128	160	2	into	into	ADP
fsr-4128	160	3	the	the	DET
fsr-4128	160	4	mental	mental	ADJ
fsr-4128	160	5	,	,	PUNCT
fsr-4128	160	6	physical	physical	ADJ
fsr-4128	160	7	,	,	PUNCT
fsr-4128	160	8	and	and	CCONJ
fsr-4128	160	9	social	social	ADJ
fsr-4128	160	10	wellbeing	wellbee	VERB
fsr-4128	160	11	outcomes	outcome	NOUN
fsr-4128	160	12	of	of	ADP
fsr-4128	160	13	financial	financial	ADJ
fsr-4128	160	14	advice	advice	NOUN
fsr-4128	160	15	have	have	AUX
fsr-4128	160	16	largely	largely	ADV
fsr-4128	160	17	come	come	VERB
fsr-4128	160	18	from	from	ADP
fsr-4128	160	19	studies	study	NOUN
fsr-4128	160	20	on	on	ADP
fsr-4128	160	21	debt	debt	NOUN
fsr-4128	160	22	and	and	CCONJ
fsr-4128	160	23	welfare	welfare	NOUN
fsr-4128	160	24	advice	advice	NOUN
fsr-4128	160	25	.	.	PUNCT
fsr-4128	161	1	research	research	NOUN
fsr-4128	161	2	into	into	ADP
fsr-4128	161	3	non	non	ADJ
fsr-4128	161	4	-	-	ADJ
fsr-4128	161	5	financial	financial	ADJ
fsr-4128	161	6	wellbeing	wellbee	VERB
fsr-4128	161	7	outcomes	outcome	NOUN
fsr-4128	161	8	dates	date	VERB
fsr-4128	161	9	back	back	ADV
fsr-4128	161	10	to	to	ADP
fsr-4128	161	11	2000	2000	NUM
fsr-4128	161	12	,	,	PUNCT
fsr-4128	161	13	including	include	VERB
fsr-4128	161	14	a	a	DET
fsr-4128	161	15	doctoral	doctoral	ADJ
fsr-4128	161	16	thesis	thesis	NOUN
fsr-4128	161	17	examining	examine	VERB
fsr-4128	161	18	work	work	NOUN
fsr-4128	161	19	and	and	CCONJ
fsr-4128	161	20	personal	personal	ADJ
fsr-4128	161	21	outcomes	outcome	NOUN
fsr-4128	161	22	of	of	ADP
fsr-4128	161	23	credit	credit	NOUN
fsr-4128	161	24	counselling	counselling	NOUN
fsr-4128	161	25	(	(	PUNCT
fsr-4128	161	26	bagwell	bagwell	PROPN
fsr-4128	161	27	,	,	PUNCT
fsr-4128	161	28	2000	2000	NUM
fsr-4128	161	29	)	)	PUNCT
fsr-4128	161	30	and	and	CCONJ
fsr-4128	161	31	a	a	DET
fsr-4128	161	32	peer	peer	NOUN
fsr-4128	161	33	-	-	PUNCT
fsr-4128	161	34	reviewed	review	VERB
fsr-4128	161	35	paper	paper	NOUN
fsr-4128	161	36	on	on	ADP
fsr-4128	161	37	health	health	NOUN
fsr-4128	161	38	improvements	improvement	NOUN
fsr-4128	161	39	linked	link	VERB
fsr-4128	161	40	to	to	ADP
fsr-4128	161	41	welfare	welfare	NOUN
fsr-4128	161	42	benefit	benefit	NOUN
fsr-4128	161	43	advice	advice	NOUN
fsr-4128	161	44	(	(	PUNCT
fsr-4128	161	45	abbott	abbott	PROPN
fsr-4128	161	46	&	&	CCONJ
fsr-4128	161	47	hobby	hobby	PROPN
fsr-4128	161	48	,	,	PUNCT
fsr-4128	161	49	2000	2000	NUM
fsr-4128	161	50	)	)	PUNCT
fsr-4128	161	51	.	.	PUNCT
fsr-4128	162	1	most	most	ADJ
fsr-4128	162	2	of	of	ADP
fsr-4128	162	3	this	this	DET
fsr-4128	162	4	literature	literature	NOUN
fsr-4128	162	5	has	have	AUX
fsr-4128	162	6	emerged	emerge	VERB
fsr-4128	162	7	in	in	ADP
fsr-4128	162	8	the	the	DET
fsr-4128	162	9	last	last	ADJ
fsr-4128	162	10	decade	decade	NOUN
fsr-4128	162	11	,	,	PUNCT
fsr-4128	162	12	with	with	ADP
fsr-4128	162	13	a	a	DET
fsr-4128	162	14	relatively	relatively	ADV
fsr-4128	162	15	high	high	ADJ
fsr-4128	162	16	proportion	proportion	NOUN
fsr-4128	162	17	published	publish	VERB
fsr-4128	162	18	since	since	SCONJ
fsr-4128	162	19	2018	2018	NUM
fsr-4128	162	20	.	.	PUNCT
fsr-4128	163	1	it	it	PRON
fsr-4128	163	2	predominantly	predominantly	ADV
fsr-4128	163	3	appears	appear	VERB
fsr-4128	163	4	in	in	ADP
fsr-4128	163	5	industry	industry	NOUN
fsr-4128	163	6	and	and	CCONJ
fsr-4128	163	7	government	government	NOUN
fsr-4128	163	8	publications	publication	NOUN
fsr-4128	163	9	rather	rather	ADV
fsr-4128	163	10	than	than	ADP
fsr-4128	163	11	peerreviewed	peerreviewe	VERB
fsr-4128	163	12	journals	journal	NOUN
fsr-4128	163	13	.	.	PUNCT
fsr-4128	164	1	for	for	ADP
fsr-4128	164	2	example	example	NOUN
fsr-4128	164	3	,	,	PUNCT
fsr-4128	164	4	a	a	DET
fsr-4128	164	5	wave	wave	NOUN
fsr-4128	164	6	of	of	ADP
fsr-4128	164	7	research	research	NOUN
fsr-4128	164	8	into	into	ADP
fsr-4128	164	9	the	the	DET
fsr-4128	164	10	effect	effect	NOUN
fsr-4128	164	11	of	of	ADP
fsr-4128	164	12	government	government	NOUN
fsr-4128	164	13	-	-	PUNCT
fsr-4128	164	14	funded	fund	VERB
fsr-4128	164	15	debt	debt	NOUN
fsr-4128	164	16	advice	advice	NOUN
fsr-4128	164	17	programs	program	NOUN
fsr-4128	164	18	emerged	emerge	VERB
fsr-4128	164	19	from	from	ADP
fsr-4128	164	20	the	the	DET
fsr-4128	164	21	uk	uk	PROPN
fsr-4128	164	22	in	in	ADP
fsr-4128	164	23	the	the	DET
fsr-4128	164	24	2000	2000	NUM
fsr-4128	164	25	-	-	SYM
fsr-4128	164	26	2010	2010	NUM
fsr-4128	164	27	decade	decade	NOUN
fsr-4128	164	28	.	.	PUNCT
fsr-4128	165	1	value	value	NOUN
fsr-4128	165	2	was	be	AUX
fsr-4128	165	3	operationalized	operationalize	VERB
fsr-4128	165	4	through	through	ADP
fsr-4128	165	5	qualitative	qualitative	ADJ
fsr-4128	165	6	and	and	CCONJ
fsr-4128	165	7	quantitative	quantitative	ADJ
fsr-4128	165	8	interviews	interview	NOUN
fsr-4128	165	9	,	,	PUNCT
fsr-4128	165	10	with	with	ADP
fsr-4128	165	11	reports	report	NOUN
fsr-4128	165	12	highlighting	highlight	VERB
fsr-4128	165	13	mental	mental	ADJ
fsr-4128	165	14	wellbeing	wellbee	VERB
fsr-4128	165	15	benefits	benefit	NOUN
fsr-4128	165	16	(	(	PUNCT
fsr-4128	165	17	reduced	reduce	VERB
fsr-4128	165	18	stress	stress	NOUN
fsr-4128	165	19	and	and	CCONJ
fsr-4128	165	20	anxiety	anxiety	NOUN
fsr-4128	165	21	)	)	PUNCT
fsr-4128	165	22	together	together	ADV
fsr-4128	165	23	with	with	ADP
fsr-4128	165	24	financial	financial	ADJ
fsr-4128	165	25	wellbeing	wellbee	VERB
fsr-4128	165	26	benefits	benefit	NOUN
fsr-4128	165	27	(	(	PUNCT
fsr-4128	165	28	feeling	feel	VERB
fsr-4128	165	29	more	more	ADV
fsr-4128	165	30	relieved	relieved	ADJ
fsr-4128	165	31	,	,	PUNCT
fsr-4128	165	32	confident	confident	ADJ
fsr-4128	165	33	and	and	CCONJ
fsr-4128	165	34	in	in	ADP
fsr-4128	165	35	control	control	NOUN
fsr-4128	165	36	of	of	ADP
fsr-4128	165	37	their	their	PRON
fsr-4128	165	38	finances	finance	NOUN
fsr-4128	165	39	)	)	PUNCT
fsr-4128	165	40	following	follow	VERB
fsr-4128	165	41	advice	advice	NOUN
fsr-4128	165	42	(	(	PUNCT
fsr-4128	165	43	day	day	NOUN
fsr-4128	165	44	et	et	PROPN
fsr-4128	165	45	al	al	PROPN
fsr-4128	165	46	.	.	PROPN
fsr-4128	165	47	,	,	PUNCT
fsr-4128	165	48	2008	2008	NUM
fsr-4128	165	49	;	;	PUNCT
fsr-4128	165	50	pleasence	pleasence	NOUN
fsr-4128	165	51	et	et	PROPN
fsr-4128	165	52	al	al	PROPN
fsr-4128	165	53	.	.	PROPN
fsr-4128	165	54	,	,	PUNCT
fsr-4128	165	55	2007	2007	NUM
fsr-4128	165	56	;	;	PUNCT
fsr-4128	165	57	turley	turley	PROPN
fsr-4128	165	58	&	&	CCONJ
fsr-4128	165	59	white	white	PROPN
fsr-4128	165	60	,	,	PUNCT
fsr-4128	165	61	2007	2007	NUM
fsr-4128	165	62	)	)	PUNCT
fsr-4128	165	63	.	.	PUNCT
fsr-4128	166	1	the	the	DET
fsr-4128	166	2	literature	literature	NOUN
fsr-4128	166	3	in	in	ADP
fsr-4128	166	4	this	this	DET
fsr-4128	166	5	domain	domain	NOUN
fsr-4128	166	6	is	be	AUX
fsr-4128	166	7	primarily	primarily	ADV
fsr-4128	166	8	descriptive	descriptive	ADJ
fsr-4128	166	9	in	in	ADP
fsr-4128	166	10	its	its	PRON
fsr-4128	166	11	analysis	analysis	NOUN
fsr-4128	166	12	,	,	PUNCT
fsr-4128	166	13	and	and	CCONJ
fsr-4128	166	14	overwhelmingly	overwhelmingly	ADV
fsr-4128	166	15	positive	positive	ADJ
fsr-4128	166	16	in	in	ADP
fsr-4128	166	17	reporting	report	VERB
fsr-4128	166	18	improvements	improvement	NOUN
fsr-4128	166	19	in	in	ADP
fsr-4128	166	20	mental	mental	ADJ
fsr-4128	166	21	wellbeing	wellbeing	NOUN
fsr-4128	166	22	.	.	PUNCT
fsr-4128	167	1	one	one	NUM
fsr-4128	167	2	paper	paper	NOUN
fsr-4128	167	3	detailed	detail	VERB
fsr-4128	167	4	a	a	DET
fsr-4128	167	5	study	study	NOUN
fsr-4128	167	6	involving	involve	VERB
fsr-4128	167	7	a	a	DET
fsr-4128	167	8	randomized	randomized	ADJ
fsr-4128	167	9	controlled	control	VERB
fsr-4128	167	10	trial	trial	NOUN
fsr-4128	167	11	(	(	PUNCT
fsr-4128	167	12	rct	rct	PROPN
fsr-4128	167	13	)	)	PUNCT
fsr-4128	167	14	which	which	PRON
fsr-4128	167	15	experimentally	experimentally	ADV
fsr-4128	167	16	examined	examine	VERB
fsr-4128	167	17	the	the	DET
fsr-4128	167	18	benefit	benefit	NOUN
fsr-4128	167	19	of	of	ADP
fsr-4128	167	20	a	a	DET
fsr-4128	167	21	national	national	ADJ
fsr-4128	167	22	debtline	debtline	NOUN
fsr-4128	167	23	using	use	VERB
fsr-4128	167	24	comparisons	comparison	NOUN
fsr-4128	167	25	with	with	ADP
fsr-4128	167	26	a	a	DET
fsr-4128	167	27	control	control	NOUN
fsr-4128	167	28	group	group	NOUN
fsr-4128	167	29	where	where	SCONJ
fsr-4128	167	30	no	no	DET
fsr-4128	167	31	such	such	ADJ
fsr-4128	167	32	advice	advice	NOUN
fsr-4128	167	33	was	be	AUX
fsr-4128	167	34	offered	offer	VERB
fsr-4128	167	35	.	.	PUNCT
fsr-4128	168	1	this	this	DET
fsr-4128	168	2	study	study	NOUN
fsr-4128	168	3	was	be	AUX
fsr-4128	168	4	reportedly	reportedly	ADV
fsr-4128	168	5	the	the	DET
fsr-4128	168	6	first	first	ADJ
fsr-4128	168	7	time	time	NOUN
fsr-4128	168	8	such	such	DET
fsr-4128	168	9	a	a	DET
fsr-4128	168	10	methodology	methodology	NOUN
fsr-4128	168	11	had	have	AUX
fsr-4128	168	12	been	be	AUX
fsr-4128	168	13	used	use	VERB
fsr-4128	168	14	in	in	ADP
fsr-4128	168	15	the	the	DET
fsr-4128	168	16	debt	debt	NOUN
fsr-4128	168	17	advice	advice	NOUN
fsr-4128	168	18	area	area	NOUN
fsr-4128	168	19	(	(	PUNCT
fsr-4128	168	20	pleasence	pleasence	NOUN
fsr-4128	168	21	et	et	PROPN
fsr-4128	168	22	al	al	PROPN
fsr-4128	168	23	.	.	PROPN
fsr-4128	168	24	,	,	PUNCT
fsr-4128	168	25	2007	2007	NUM
fsr-4128	168	26	)	)	PUNCT
fsr-4128	168	27	.	.	PUNCT
fsr-4128	169	1	this	this	DET
fsr-4128	169	2	experiment	experiment	NOUN
fsr-4128	169	3	was	be	AUX
fsr-4128	169	4	designed	design	VERB
fsr-4128	169	5	to	to	PART
fsr-4128	169	6	explore	explore	VERB
fsr-4128	169	7	the	the	DET
fsr-4128	169	8	effectiveness	effectiveness	NOUN
fsr-4128	169	9	of	of	ADP
fsr-4128	169	10	debt	debt	NOUN
fsr-4128	169	11	advice	advice	NOUN
fsr-4128	169	12	on	on	ADP
fsr-4128	169	13	a	a	DET
fsr-4128	169	14	range	range	NOUN
fsr-4128	169	15	of	of	ADP
fsr-4128	169	16	life	life	NOUN
fsr-4128	169	17	circumstances	circumstance	NOUN
fsr-4128	169	18	.	.	PUNCT
fsr-4128	170	1	while	while	SCONJ
fsr-4128	170	2	the	the	DET
fsr-4128	170	3	rct	rct	PROPN
fsr-4128	170	4	demonstrated	demonstrate	VERB
fsr-4128	170	5	statistical	statistical	ADJ
fsr-4128	170	6	improvements	improvement	NOUN
fsr-4128	170	7	in	in	ADP
fsr-4128	170	8	financial	financial	ADJ
fsr-4128	170	9	circumstances	circumstance	NOUN
fsr-4128	170	10	following	follow	VERB
fsr-4128	170	11	advice	advice	NOUN
fsr-4128	170	12	,	,	PUNCT
fsr-4128	170	13	improvements	improvement	NOUN
fsr-4128	170	14	in	in	ADP
fsr-4128	170	15	general	general	ADJ
fsr-4128	170	16	health	health	NOUN
fsr-4128	170	17	,	,	PUNCT
fsr-4128	170	18	parenting	parenting	NOUN
fsr-4128	170	19	,	,	PUNCT
fsr-4128	170	20	and	and	CCONJ
fsr-4128	170	21	family	family	NOUN
fsr-4128	170	22	relationships	relationship	NOUN
fsr-4128	170	23	could	could	AUX
fsr-4128	170	24	not	not	PART
fsr-4128	170	25	be	be	AUX
fsr-4128	170	26	established	establish	VERB
fsr-4128	170	27	through	through	ADP
fsr-4128	170	28	the	the	DET
fsr-4128	170	29	rct	rct	PROPN
fsr-4128	170	30	even	even	ADV
fsr-4128	170	31	though	though	SCONJ
fsr-4128	170	32	these	these	DET
fsr-4128	170	33	findings	finding	NOUN
fsr-4128	170	34	were	be	AUX
fsr-4128	170	35	reported	report	VERB
fsr-4128	170	36	qualitatively	qualitatively	ADV
fsr-4128	170	37	in	in	ADP
fsr-4128	170	38	an	an	DET
fsr-4128	170	39	accompanying	accompany	VERB
fsr-4128	170	40	study	study	NOUN
fsr-4128	170	41	.	.	PUNCT
fsr-4128	171	1	the	the	DET
fsr-4128	171	2	researchers	researcher	NOUN
fsr-4128	171	3	blamed	blame	VERB
fsr-4128	171	4	a	a	DET
fsr-4128	171	5	lack	lack	NOUN
fsr-4128	171	6	of	of	ADP
fsr-4128	171	7	statistical	statistical	ADJ
fsr-4128	171	8	power	power	NOUN
fsr-4128	171	9	(	(	PUNCT
fsr-4128	171	10	due	due	ADP
fsr-4128	171	11	to	to	ADP
fsr-4128	171	12	participant	participant	ADJ
fsr-4128	171	13	attrition	attrition	NOUN
fsr-4128	171	14	and	and	CCONJ
fsr-4128	171	15	the	the	DET
fsr-4128	171	16	small	small	ADJ
fsr-4128	171	17	sample	sample	NOUN
fsr-4128	171	18	size	size	NOUN
fsr-4128	171	19	)	)	PUNCT
fsr-4128	171	20	for	for	ADP
fsr-4128	171	21	these	these	DET
fsr-4128	171	22	null	null	ADJ
fsr-4128	171	23	findings	finding	NOUN
fsr-4128	171	24	.	.	PUNCT
fsr-4128	172	1	apart	apart	ADV
fsr-4128	172	2	from	from	ADP
fsr-4128	172	3	this	this	DET
fsr-4128	172	4	study	study	NOUN
fsr-4128	172	5	,	,	PUNCT
fsr-4128	172	6	few	few	ADJ
fsr-4128	172	7	industry	industry	NOUN
fsr-4128	172	8	or	or	CCONJ
fsr-4128	172	9	government	government	NOUN
fsr-4128	172	10	publications	publication	NOUN
fsr-4128	172	11	have	have	AUX
fsr-4128	172	12	attempted	attempt	VERB
fsr-4128	172	13	to	to	PART
fsr-4128	172	14	quantify	quantify	VERB
fsr-4128	172	15	the	the	DET
fsr-4128	172	16	value	value	NOUN
fsr-4128	172	17	of	of	ADP
fsr-4128	172	18	advice	advice	NOUN
fsr-4128	172	19	using	use	VERB
fsr-4128	172	20	more	more	ADV
fsr-4128	172	21	rigorous	rigorous	ADJ
fsr-4128	172	22	research	research	NOUN
fsr-4128	172	23	designs	design	NOUN
fsr-4128	172	24	.	.	PUNCT
fsr-4128	173	1	peer	peer	NOUN
fsr-4128	173	2	-	-	PUNCT
fsr-4128	173	3	reviewed	review	VERB
fsr-4128	173	4	studies	study	NOUN
fsr-4128	173	5	also	also	ADV
fsr-4128	173	6	largely	largely	ADV
fsr-4128	173	7	focus	focus	VERB
fsr-4128	173	8	on	on	ADP
fsr-4128	173	9	wellbeing	wellbee	VERB
fsr-4128	173	10	-	-	PUNCT
fsr-4128	173	11	related	relate	VERB
fsr-4128	173	12	outcomes	outcome	NOUN
fsr-4128	173	13	of	of	ADP
fsr-4128	173	14	debt	debt	NOUN
fsr-4128	173	15	and	and	CCONJ
fsr-4128	173	16	welfare	welfare	NOUN
fsr-4128	173	17	advice	advice	NOUN
fsr-4128	173	18	and	and	CCONJ
fsr-4128	173	19	also	also	ADV
fsr-4128	173	20	primarily	primarily	ADV
fsr-4128	173	21	report	report	VERB
fsr-4128	173	22	positive	positive	ADJ
fsr-4128	173	23	results	result	NOUN
fsr-4128	173	24	.	.	PUNCT
fsr-4128	174	1	encouragingly	encouragingly	ADV
fsr-4128	174	2	,	,	PUNCT
fsr-4128	174	3	some	some	DET
fsr-4128	174	4	well	well	ADV
fsr-4128	174	5	-	-	PUNCT
fsr-4128	174	6	designed	design	VERB
fsr-4128	174	7	peerreviewed	peerreviewe	VERB
fsr-4128	174	8	studies	study	NOUN
fsr-4128	174	9	exist	exist	VERB
fsr-4128	174	10	which	which	PRON
fsr-4128	174	11	provide	provide	VERB
fsr-4128	174	12	stronger	strong	ADJ
fsr-4128	174	13	empirical	empirical	ADJ
fsr-4128	174	14	support	support	NOUN
fsr-4128	174	15	for	for	ADP
fsr-4128	174	16	the	the	DET
fsr-4128	174	17	more	more	ADV
fsr-4128	174	18	descriptive	descriptive	ADJ
fsr-4128	174	19	findings	finding	NOUN
fsr-4128	174	20	outlined	outline	VERB
fsr-4128	174	21	in	in	ADP
fsr-4128	174	22	the	the	DET
fsr-4128	174	23	industry	industry	NOUN
fsr-4128	174	24	reports	report	VERB
fsr-4128	174	25	.	.	PUNCT
fsr-4128	175	1	for	for	ADP
fsr-4128	175	2	instance	instance	NOUN
fsr-4128	175	3	,	,	PUNCT
fsr-4128	175	4	a	a	DET
fsr-4128	175	5	uk	uk	PROPN
fsr-4128	175	6	study	study	NOUN
fsr-4128	175	7	examined	examine	VERB
fsr-4128	175	8	the	the	DET
fsr-4128	175	9	effect	effect	NOUN
fsr-4128	175	10	of	of	ADP
fsr-4128	175	11	welfare	welfare	NOUN
fsr-4128	175	12	advice	advice	NOUN
fsr-4128	175	13	using	use	VERB
fsr-4128	175	14	patients	patient	NOUN
fsr-4128	175	15	attending	attend	VERB
fsr-4128	175	16	a	a	DET
fsr-4128	175	17	medical	medical	ADJ
fsr-4128	175	18	facility	facility	NOUN
fsr-4128	175	19	and	and	CCONJ
fsr-4128	175	20	a	a	DET
fsr-4128	175	21	quasi	quasi	ADJ
fsr-4128	175	22	-	-	ADJ
fsr-4128	175	23	experimental	experimental	ADJ
fsr-4128	175	24	controlled	control	VERB
fsr-4128	175	25	design	design	NOUN
fsr-4128	175	26	with	with	ADP
fsr-4128	175	27	follow	follow	NOUN
fsr-4128	175	28	-	-	PUNCT
fsr-4128	175	29	up	up	ADP
fsr-4128	175	30	data	datum	NOUN
fsr-4128	175	31	collected	collect	VERB
fsr-4128	175	32	at	at	ADP
fsr-4128	175	33	three	three	NUM
fsr-4128	175	34	months	month	NOUN
fsr-4128	175	35	(	(	PUNCT
fsr-4128	175	36	woodhead	woodhead	NOUN
fsr-4128	175	37	et	et	NOUN
fsr-4128	175	38	al	al	PROPN
fsr-4128	175	39	.	.	PROPN
fsr-4128	175	40	,	,	PUNCT
fsr-4128	175	41	2017	2017	NUM
fsr-4128	175	42	)	)	PUNCT
fsr-4128	175	43	.	.	PUNCT
fsr-4128	176	1	the	the	DET
fsr-4128	176	2	financial	financial	PROPN
fsr-4128	176	3	services	service	NOUN
fsr-4128	176	4	review	review	NOUN
fsr-4128	176	5	,	,	PUNCT
fsr-4128	176	6	33(4	33(4	NUM
fsr-4128	176	7	)	)	PUNCT
fsr-4128	176	8	142	142	NUM
fsr-4128	176	9	regression	regression	NOUN
fsr-4128	176	10	analyses	analysis	NOUN
fsr-4128	176	11	controlled	control	VERB
fsr-4128	176	12	for	for	ADP
fsr-4128	176	13	age	age	NOUN
fsr-4128	176	14	,	,	PUNCT
fsr-4128	176	15	gender	gender	NOUN
fsr-4128	176	16	,	,	PUNCT
fsr-4128	176	17	and	and	CCONJ
fsr-4128	176	18	ethnicity	ethnicity	NOUN
fsr-4128	176	19	.	.	PUNCT
fsr-4128	177	1	compared	compare	VERB
fsr-4128	177	2	to	to	ADP
fsr-4128	177	3	the	the	DET
fsr-4128	177	4	control	control	NOUN
fsr-4128	177	5	group	group	NOUN
fsr-4128	177	6	,	,	PUNCT
fsr-4128	177	7	women	woman	NOUN
fsr-4128	177	8	and	and	CCONJ
fsr-4128	177	9	black	black	ADJ
fsr-4128	177	10	recipients	recipient	NOUN
fsr-4128	177	11	reported	report	VERB
fsr-4128	177	12	mental	mental	ADJ
fsr-4128	177	13	health	health	NOUN
fsr-4128	177	14	improvements	improvement	NOUN
fsr-4128	177	15	,	,	PUNCT
fsr-4128	177	16	and	and	CCONJ
fsr-4128	177	17	wellbeing	wellbee	VERB
fsr-4128	177	18	scores	score	NOUN
fsr-4128	177	19	increased	increase	VERB
fsr-4128	177	20	for	for	ADP
fsr-4128	177	21	those	those	PRON
fsr-4128	177	22	who	who	PRON
fsr-4128	177	23	received	receive	VERB
fsr-4128	177	24	positive	positive	ADJ
fsr-4128	177	25	welfare	welfare	NOUN
fsr-4128	177	26	outcomes	outcome	NOUN
fsr-4128	177	27	.	.	PUNCT
fsr-4128	178	1	similarly	similarly	ADV
fsr-4128	178	2	,	,	PUNCT
fsr-4128	178	3	abbott	abbott	PROPN
fsr-4128	178	4	et	et	PROPN
fsr-4128	178	5	al	al	PROPN
fsr-4128	178	6	.	.	PROPN
fsr-4128	178	7	(	(	PUNCT
fsr-4128	178	8	2006	2006	NUM
fsr-4128	178	9	)	)	PUNCT
fsr-4128	178	10	performed	perform	VERB
fsr-4128	178	11	analyses	analysis	NOUN
fsr-4128	178	12	on	on	ADP
fsr-4128	178	13	groups	group	NOUN
fsr-4128	178	14	of	of	ADP
fsr-4128	178	15	individuals	individual	NOUN
fsr-4128	178	16	with	with	ADP
fsr-4128	178	17	different	different	ADJ
fsr-4128	178	18	financial	financial	ADJ
fsr-4128	178	19	outcomes	outcome	NOUN
fsr-4128	178	20	of	of	ADP
fsr-4128	178	21	welfare	welfare	NOUN
fsr-4128	178	22	advice	advice	NOUN
fsr-4128	178	23	,	,	PUNCT
fsr-4128	178	24	finding	find	VERB
fsr-4128	178	25	that	that	SCONJ
fsr-4128	178	26	those	those	PRON
fsr-4128	178	27	with	with	ADP
fsr-4128	178	28	an	an	DET
fsr-4128	178	29	income	income	NOUN
fsr-4128	178	30	increase	increase	NOUN
fsr-4128	178	31	had	have	VERB
fsr-4128	178	32	significant	significant	ADJ
fsr-4128	178	33	improvements	improvement	NOUN
fsr-4128	178	34	in	in	ADP
fsr-4128	178	35	mental	mental	ADJ
fsr-4128	178	36	health	health	NOUN
fsr-4128	178	37	and	and	CCONJ
fsr-4128	178	38	emotional	emotional	ADJ
fsr-4128	178	39	role	role	NOUN
fsr-4128	178	40	functioning	function	VERB
fsr-4128	178	41	at	at	ADP
fsr-4128	178	42	12	12	NUM
fsr-4128	178	43	-	-	PUNCT
fsr-4128	178	44	month	month	NOUN
fsr-4128	178	45	follow	follow	NOUN
fsr-4128	178	46	-	-	PUNCT
fsr-4128	178	47	up	up	NOUN
fsr-4128	178	48	,	,	PUNCT
fsr-4128	178	49	compared	compare	VERB
fsr-4128	178	50	to	to	ADP
fsr-4128	178	51	those	those	PRON
fsr-4128	178	52	without	without	ADP
fsr-4128	178	53	an	an	DET
fsr-4128	178	54	income	income	NOUN
fsr-4128	178	55	increase	increase	NOUN
fsr-4128	178	56	.	.	PUNCT
fsr-4128	179	1	these	these	DET
fsr-4128	179	2	results	result	NOUN
fsr-4128	179	3	provide	provide	VERB
fsr-4128	179	4	further	further	ADJ
fsr-4128	179	5	evidence	evidence	NOUN
fsr-4128	179	6	of	of	ADP
fsr-4128	179	7	the	the	DET
fsr-4128	179	8	association	association	NOUN
fsr-4128	179	9	between	between	ADP
fsr-4128	179	10	financial	financial	ADJ
fsr-4128	179	11	gains	gain	NOUN
fsr-4128	179	12	and	and	CCONJ
fsr-4128	179	13	increased	increase	VERB
fsr-4128	179	14	mental	mental	ADJ
fsr-4128	179	15	health	health	NOUN
fsr-4128	179	16	and	and	CCONJ
fsr-4128	179	17	wellbeing	wellbeing	NOUN
fsr-4128	179	18	.	.	PUNCT
fsr-4128	180	1	while	while	SCONJ
fsr-4128	180	2	much	much	ADJ
fsr-4128	180	3	of	of	ADP
fsr-4128	180	4	the	the	DET
fsr-4128	180	5	literature	literature	NOUN
fsr-4128	180	6	focuses	focus	VERB
fsr-4128	180	7	on	on	ADP
fsr-4128	180	8	mental	mental	ADJ
fsr-4128	180	9	wellbeing	wellbee	VERB
fsr-4128	180	10	outcomes	outcome	NOUN
fsr-4128	180	11	,	,	PUNCT
fsr-4128	180	12	a	a	DET
fsr-4128	180	13	smaller	small	ADJ
fsr-4128	180	14	subset	subset	NOUN
fsr-4128	180	15	examines	examine	NOUN
fsr-4128	180	16	physical	physical	ADJ
fsr-4128	180	17	and	and	CCONJ
fsr-4128	180	18	social	social	ADJ
fsr-4128	180	19	wellbeing	wellbeing	NOUN
fsr-4128	180	20	and	and	CCONJ
fsr-4128	180	21	the	the	DET
fsr-4128	180	22	impact	impact	NOUN
fsr-4128	180	23	of	of	ADP
fsr-4128	180	24	financial	financial	ADJ
fsr-4128	180	25	advice	advice	NOUN
fsr-4128	180	26	on	on	ADP
fsr-4128	180	27	work	work	NOUN
fsr-4128	180	28	performance	performance	NOUN
fsr-4128	180	29	.	.	PUNCT
fsr-4128	181	1	the	the	DET
fsr-4128	181	2	results	result	NOUN
fsr-4128	181	3	regarding	regard	VERB
fsr-4128	181	4	physical	physical	ADJ
fsr-4128	181	5	wellbeing	wellbeing	NOUN
fsr-4128	181	6	are	be	AUX
fsr-4128	181	7	generally	generally	ADV
fsr-4128	181	8	,	,	PUNCT
fsr-4128	181	9	but	but	CCONJ
fsr-4128	181	10	not	not	PART
fsr-4128	181	11	always	always	ADV
fsr-4128	181	12	,	,	PUNCT
fsr-4128	181	13	affirmative	affirmative	ADJ
fsr-4128	181	14	.	.	PUNCT
fsr-4128	182	1	for	for	ADP
fsr-4128	182	2	instance	instance	NOUN
fsr-4128	182	3	,	,	PUNCT
fsr-4128	182	4	an	an	DET
fsr-4128	182	5	intervention	intervention	NOUN
fsr-4128	182	6	study	study	NOUN
fsr-4128	182	7	assessed	assess	VERB
fsr-4128	182	8	health	health	NOUN
fsr-4128	182	9	outcomes	outcome	NOUN
fsr-4128	182	10	following	follow	VERB
fsr-4128	182	11	active	active	ADJ
fsr-4128	182	12	and	and	CCONJ
fsr-4128	182	13	non	non	ADJ
fsr-4128	182	14	-	-	ADJ
fsr-4128	182	15	active	active	ADJ
fsr-4128	182	16	credit	credit	NOUN
fsr-4128	182	17	counselling	counselling	NOUN
fsr-4128	182	18	clients	client	NOUN
fsr-4128	182	19	and	and	CCONJ
fsr-4128	182	20	found	find	VERB
fsr-4128	182	21	active	active	ADJ
fsr-4128	182	22	members	member	NOUN
fsr-4128	182	23	of	of	ADP
fsr-4128	182	24	the	the	DET
fsr-4128	182	25	program	program	NOUN
fsr-4128	182	26	improved	improve	VERB
fsr-4128	182	27	in	in	ADP
fsr-4128	182	28	physical	physical	ADJ
fsr-4128	182	29	health	health	NOUN
fsr-4128	182	30	markers	marker	NOUN
fsr-4128	182	31	over	over	ADP
fsr-4128	182	32	18	18	NUM
fsr-4128	182	33	months	month	NOUN
fsr-4128	182	34	(	(	PUNCT
fsr-4128	182	35	kim	kim	PROPN
fsr-4128	182	36	et	et	PROPN
fsr-4128	182	37	al	al	PROPN
fsr-4128	182	38	.	.	PROPN
fsr-4128	182	39	,	,	PUNCT
fsr-4128	182	40	2003	2003	NUM
fsr-4128	182	41	)	)	PUNCT
fsr-4128	182	42	.	.	PUNCT
fsr-4128	183	1	a	a	DET
fsr-4128	183	2	similar	similar	ADJ
fsr-4128	183	3	study	study	NOUN
fsr-4128	183	4	reported	report	VERB
fsr-4128	183	5	improved	improved	ADJ
fsr-4128	183	6	health	health	NOUN
fsr-4128	183	7	for	for	ADP
fsr-4128	183	8	debt	debt	NOUN
fsr-4128	183	9	management	management	NOUN
fsr-4128	183	10	clients	client	NOUN
fsr-4128	183	11	over	over	ADP
fsr-4128	183	12	a	a	DET
fsr-4128	183	13	two	two	NUM
fsr-4128	183	14	-	-	PUNCT
fsr-4128	183	15	year	year	NOUN
fsr-4128	183	16	period	period	NOUN
fsr-4128	183	17	(	(	PUNCT
fsr-4128	183	18	o'neill	o'neill	PROPN
fsr-4128	183	19	et	et	PROPN
fsr-4128	183	20	al	al	PROPN
fsr-4128	183	21	.	.	PROPN
fsr-4128	183	22	,	,	PUNCT
fsr-4128	183	23	2006	2006	NUM
fsr-4128	183	24	)	)	PUNCT
fsr-4128	183	25	.	.	PUNCT
fsr-4128	184	1	however	however	ADV
fsr-4128	184	2	,	,	PUNCT
fsr-4128	184	3	abbott	abbott	PROPN
fsr-4128	184	4	et	et	PROPN
fsr-4128	184	5	al	al	PROPN
fsr-4128	184	6	.	.	PROPN
fsr-4128	184	7	(	(	PUNCT
fsr-4128	184	8	2006	2006	NUM
fsr-4128	184	9	)	)	PUNCT
fsr-4128	184	10	only	only	ADV
fsr-4128	184	11	found	find	VERB
fsr-4128	184	12	bodily	bodily	ADJ
fsr-4128	184	13	pain	pain	NOUN
fsr-4128	184	14	symptoms	symptom	NOUN
fsr-4128	184	15	had	have	AUX
fsr-4128	184	16	improved	improve	VERB
fsr-4128	184	17	in	in	ADP
fsr-4128	184	18	the	the	DET
fsr-4128	184	19	six	six	NUM
fsr-4128	184	20	months	month	NOUN
fsr-4128	184	21	following	follow	VERB
fsr-4128	184	22	welfare	welfare	NOUN
fsr-4128	184	23	advice	advice	NOUN
fsr-4128	184	24	,	,	PUNCT
fsr-4128	184	25	with	with	ADP
fsr-4128	184	26	no	no	DET
fsr-4128	184	27	significant	significant	ADJ
fsr-4128	184	28	improvement	improvement	NOUN
fsr-4128	184	29	in	in	ADP
fsr-4128	184	30	three	three	NUM
fsr-4128	184	31	other	other	ADJ
fsr-4128	184	32	physical	physical	ADJ
fsr-4128	184	33	health	health	NOUN
fsr-4128	184	34	markers	marker	NOUN
fsr-4128	184	35	(	(	PUNCT
fsr-4128	184	36	general	general	ADJ
fsr-4128	184	37	health	health	NOUN
fsr-4128	184	38	,	,	PUNCT
fsr-4128	184	39	vitality	vitality	NOUN
fsr-4128	184	40	,	,	PUNCT
fsr-4128	184	41	and	and	CCONJ
fsr-4128	184	42	physical	physical	ADJ
fsr-4128	184	43	role	role	NOUN
fsr-4128	184	44	functioning	function	VERB
fsr-4128	184	45	)	)	PUNCT
fsr-4128	184	46	.	.	PUNCT
fsr-4128	185	1	the	the	DET
fsr-4128	185	2	authors	author	NOUN
fsr-4128	185	3	suggested	suggest	VERB
fsr-4128	185	4	that	that	SCONJ
fsr-4128	185	5	a	a	DET
fsr-4128	185	6	longer	long	ADV
fsr-4128	185	7	follow	follow	VERB
fsr-4128	185	8	-	-	PUNCT
fsr-4128	185	9	up	up	ADP
fsr-4128	185	10	period	period	NOUN
fsr-4128	185	11	might	might	AUX
fsr-4128	185	12	be	be	AUX
fsr-4128	185	13	necessary	necessary	ADJ
fsr-4128	185	14	to	to	PART
fsr-4128	185	15	engender	engender	VERB
fsr-4128	185	16	statistically	statistically	ADV
fsr-4128	185	17	significant	significant	ADJ
fsr-4128	185	18	results	result	NOUN
fsr-4128	185	19	in	in	ADP
fsr-4128	185	20	physical	physical	ADJ
fsr-4128	185	21	health	health	NOUN
fsr-4128	185	22	,	,	PUNCT
fsr-4128	185	23	“	"	PUNCT
fsr-4128	185	24	given	give	VERB
fsr-4128	185	25	the	the	DET
fsr-4128	185	26	cumulative	cumulative	ADJ
fsr-4128	185	27	effect	effect	NOUN
fsr-4128	185	28	of	of	ADP
fsr-4128	185	29	deprivation	deprivation	NOUN
fsr-4128	185	30	on	on	ADP
fsr-4128	185	31	health	health	NOUN
fsr-4128	185	32	across	across	ADP
fsr-4128	185	33	the	the	DET
fsr-4128	185	34	life	life	NOUN
fsr-4128	185	35	course	course	NOUN
fsr-4128	185	36	”	"	PUNCT
fsr-4128	185	37	(	(	PUNCT
fsr-4128	185	38	p.	p.	NOUN
fsr-4128	185	39	6	6	NUM
fsr-4128	185	40	)	)	PUNCT
fsr-4128	185	41	.	.	PUNCT
fsr-4128	186	1	encouragingly	encouragingly	ADV
fsr-4128	186	2	,	,	PUNCT
fsr-4128	186	3	studies	study	NOUN
fsr-4128	186	4	also	also	ADV
fsr-4128	186	5	tend	tend	VERB
fsr-4128	186	6	to	to	PART
fsr-4128	186	7	examine	examine	VERB
fsr-4128	186	8	and	and	CCONJ
fsr-4128	186	9	find	find	VERB
fsr-4128	186	10	positive	positive	ADJ
fsr-4128	186	11	links	link	NOUN
fsr-4128	186	12	between	between	ADP
fsr-4128	186	13	professional	professional	ADJ
fsr-4128	186	14	financial	financial	ADJ
fsr-4128	186	15	advice	advice	NOUN
fsr-4128	186	16	and	and	CCONJ
fsr-4128	186	17	multiple	multiple	ADJ
fsr-4128	186	18	non	non	ADJ
fsr-4128	186	19	-	-	ADJ
fsr-4128	186	20	financial	financial	ADJ
fsr-4128	186	21	wellbeing	wellbee	VERB
fsr-4128	186	22	outcomes	outcome	NOUN
fsr-4128	186	23	.	.	PUNCT
fsr-4128	187	1	studies	study	NOUN
fsr-4128	187	2	cover	cover	VERB
fsr-4128	187	3	a	a	DET
fsr-4128	187	4	breadth	breadth	NOUN
fsr-4128	187	5	of	of	ADP
fsr-4128	187	6	analytical	analytical	ADJ
fsr-4128	187	7	strategies	strategy	NOUN
fsr-4128	187	8	from	from	ADP
fsr-4128	187	9	basic	basic	ADJ
fsr-4128	187	10	frequency	frequency	NOUN
fsr-4128	187	11	data	datum	NOUN
fsr-4128	187	12	(	(	PUNCT
fsr-4128	187	13	e.g.	e.g.	ADV
fsr-4128	187	14	,	,	PUNCT
fsr-4128	187	15	coredata	coredata	NOUN
fsr-4128	187	16	research	research	NOUN
fsr-4128	187	17	,	,	PUNCT
fsr-4128	187	18	2020	2020	NUM
fsr-4128	187	19	;	;	PUNCT
fsr-4128	187	20	irving	irving	PROPN
fsr-4128	187	21	et	et	PROPN
fsr-4128	187	22	al	al	PROPN
fsr-4128	187	23	.	.	PROPN
fsr-4128	187	24	,	,	PUNCT
fsr-4128	187	25	2011	2011	NUM
fsr-4128	187	26	)	)	PUNCT
fsr-4128	187	27	to	to	ADP
fsr-4128	187	28	more	more	ADV
fsr-4128	187	29	advanced	advanced	ADJ
fsr-4128	187	30	probit	probit	NOUN
fsr-4128	187	31	models	model	NOUN
fsr-4128	187	32	(	(	PUNCT
fsr-4128	187	33	europe	europe	PROPN
fsr-4128	187	34	economics	economic	NOUN
fsr-4128	187	35	,	,	PUNCT
fsr-4128	187	36	2018	2018	NUM
fsr-4128	187	37	)	)	PUNCT
fsr-4128	187	38	.	.	PUNCT
fsr-4128	188	1	the	the	DET
fsr-4128	188	2	research	research	NOUN
fsr-4128	188	3	conducted	conduct	VERB
fsr-4128	188	4	by	by	ADP
fsr-4128	188	5	europe	europe	PROPN
fsr-4128	188	6	economics	economic	NOUN
fsr-4128	188	7	(	(	PUNCT
fsr-4128	188	8	2018	2018	NUM
fsr-4128	188	9	)	)	PUNCT
fsr-4128	188	10	is	be	AUX
fsr-4128	188	11	an	an	DET
fsr-4128	188	12	example	example	NOUN
fsr-4128	188	13	of	of	ADP
fsr-4128	188	14	a	a	DET
fsr-4128	188	15	considered	consider	VERB
fsr-4128	188	16	,	,	PUNCT
fsr-4128	188	17	large	large	ADJ
fsr-4128	188	18	-	-	PUNCT
fsr-4128	188	19	scale	scale	NOUN
fsr-4128	188	20	,	,	PUNCT
fsr-4128	188	21	mixed	mixed	ADJ
fsr-4128	188	22	-	-	PUNCT
fsr-4128	188	23	methods	method	NOUN
fsr-4128	188	24	design	design	NOUN
fsr-4128	188	25	which	which	PRON
fsr-4128	188	26	detailed	detail	VERB
fsr-4128	188	27	significant	significant	ADJ
fsr-4128	188	28	effects	effect	NOUN
fsr-4128	188	29	in	in	ADP
fsr-4128	188	30	mental	mental	ADJ
fsr-4128	188	31	wellbeing	wellbeing	NOUN
fsr-4128	188	32	(	(	PUNCT
fsr-4128	188	33	depression	depression	NOUN
fsr-4128	188	34	and	and	CCONJ
fsr-4128	188	35	panic	panic	NOUN
fsr-4128	188	36	attacks	attack	NOUN
fsr-4128	188	37	)	)	PUNCT
fsr-4128	188	38	and	and	CCONJ
fsr-4128	188	39	physical	physical	ADJ
fsr-4128	188	40	wellbeing	wellbee	VERB
fsr-4128	188	41	(	(	PUNCT
fsr-4128	188	42	arthritis	arthritis	NOUN
fsr-4128	188	43	,	,	PUNCT
fsr-4128	188	44	back	back	NOUN
fsr-4128	188	45	pain	pain	NOUN
fsr-4128	188	46	,	,	PUNCT
fsr-4128	188	47	and	and	CCONJ
fsr-4128	188	48	chronic	chronic	ADJ
fsr-4128	188	49	obstructive	obstructive	ADJ
fsr-4128	188	50	pulmonary	pulmonary	ADJ
fsr-4128	188	51	disorder	disorder	NOUN
fsr-4128	188	52	)	)	PUNCT
fsr-4128	188	53	,	,	PUNCT
fsr-4128	188	54	as	as	ADV
fsr-4128	188	55	well	well	ADV
fsr-4128	188	56	as	as	ADP
fsr-4128	188	57	qualitative	qualitative	ADJ
fsr-4128	188	58	evidence	evidence	NOUN
fsr-4128	188	59	on	on	ADP
fsr-4128	188	60	employmentrelated	employmentrelated	ADJ
fsr-4128	188	61	outcomes	outcome	NOUN
fsr-4128	188	62	(	(	PUNCT
fsr-4128	188	63	increased	increase	VERB
fsr-4128	188	64	productivity	productivity	NOUN
fsr-4128	188	65	)	)	PUNCT
fsr-4128	188	66	.	.	PUNCT
fsr-4128	189	1	furthermore	furthermore	ADV
fsr-4128	189	2	,	,	PUNCT
fsr-4128	189	3	the	the	DET
fsr-4128	189	4	researchers	researcher	NOUN
fsr-4128	189	5	also	also	ADV
fsr-4128	189	6	sought	seek	VERB
fsr-4128	189	7	to	to	PART
fsr-4128	189	8	quantify	quantify	VERB
fsr-4128	189	9	the	the	DET
fsr-4128	189	10	economic	economic	ADJ
fsr-4128	189	11	impact	impact	NOUN
fsr-4128	189	12	of	of	ADP
fsr-4128	189	13	financial	financial	ADJ
fsr-4128	189	14	advice	advice	NOUN
fsr-4128	189	15	using	use	VERB
fsr-4128	189	16	a	a	DET
fsr-4128	189	17	combination	combination	NOUN
fsr-4128	189	18	of	of	ADP
fsr-4128	189	19	estimates	estimate	NOUN
fsr-4128	189	20	pertaining	pertain	VERB
fsr-4128	189	21	to	to	ADP
fsr-4128	189	22	healthcare	healthcare	NOUN
fsr-4128	189	23	systems	system	NOUN
fsr-4128	189	24	and	and	CCONJ
fsr-4128	189	25	productivity	productivity	NOUN
fsr-4128	189	26	costs	cost	NOUN
fsr-4128	189	27	.	.	PUNCT
fsr-4128	190	1	the	the	DET
fsr-4128	190	2	estimated	estimate	VERB
fsr-4128	190	3	benefit	benefit	NOUN
fsr-4128	190	4	of	of	ADP
fsr-4128	190	5	clients	client	NOUN
fsr-4128	190	6	receiving	receive	VERB
fsr-4128	190	7	debt	debt	NOUN
fsr-4128	190	8	advice	advice	NOUN
fsr-4128	190	9	equated	equate	VERB
fsr-4128	190	10	to	to	ADP
fsr-4128	190	11	an	an	DET
fsr-4128	190	12	aggregated	aggregate	VERB
fsr-4128	190	13	social	social	ADJ
fsr-4128	190	14	gain	gain	NOUN
fsr-4128	190	15	in	in	ADP
fsr-4128	190	16	mental	mental	ADJ
fsr-4128	190	17	health	health	NOUN
fsr-4128	190	18	and	and	CCONJ
fsr-4128	190	19	work	work	NOUN
fsr-4128	190	20	-	-	PUNCT
fsr-4128	190	21	related	relate	VERB
fsr-4128	190	22	outcomes	outcome	NOUN
fsr-4128	190	23	of	of	ADP
fsr-4128	190	24	£	£	SYM
fsr-4128	190	25	154	154	NUM
fsr-4128	190	26	-	-	SYM
fsr-4128	190	27	307	307	NUM
fsr-4128	190	28	million	million	NUM
fsr-4128	190	29	per	per	ADP
fsr-4128	190	30	annum	annum	X
fsr-4128	190	31	(	(	PUNCT
fsr-4128	190	32	europe	europe	PROPN
fsr-4128	190	33	economics	economic	NOUN
fsr-4128	190	34	,	,	PUNCT
fsr-4128	190	35	2018	2018	NUM
fsr-4128	190	36	)	)	PUNCT
fsr-4128	190	37	.	.	PUNCT
fsr-4128	191	1	the	the	DET
fsr-4128	191	2	focus	focus	NOUN
fsr-4128	191	3	on	on	ADP
fsr-4128	191	4	debt	debt	NOUN
fsr-4128	191	5	and	and	CCONJ
fsr-4128	191	6	welfare	welfare	NOUN
fsr-4128	191	7	advice	advice	NOUN
fsr-4128	191	8	persists	persist	VERB
fsr-4128	191	9	in	in	ADP
fsr-4128	191	10	more	more	ADV
fsr-4128	191	11	recent	recent	ADJ
fsr-4128	191	12	literature	literature	NOUN
fsr-4128	191	13	(	(	PUNCT
fsr-4128	191	14	pollard	pollard	PROPN
fsr-4128	191	15	et	et	PROPN
fsr-4128	191	16	al	al	PROPN
fsr-4128	191	17	.	.	PROPN
fsr-4128	191	18	,	,	PUNCT
fsr-4128	191	19	2020	2020	NUM
fsr-4128	191	20	;	;	PUNCT
fsr-4128	191	21	zeamer	zeamer	NUM
fsr-4128	191	22	,	,	PUNCT
fsr-4128	191	23	2020	2020	NUM
fsr-4128	191	24	)	)	PUNCT
fsr-4128	191	25	.	.	PUNCT
fsr-4128	192	1	however	however	ADV
fsr-4128	192	2	,	,	PUNCT
fsr-4128	192	3	some	some	DET
fsr-4128	192	4	new	new	ADJ
fsr-4128	192	5	studies	study	NOUN
fsr-4128	192	6	take	take	VERB
fsr-4128	192	7	a	a	DET
fsr-4128	192	8	different	different	ADJ
fsr-4128	192	9	approach	approach	NOUN
fsr-4128	192	10	to	to	ADP
fsr-4128	192	11	similar	similar	ADJ
fsr-4128	192	12	issues	issue	NOUN
fsr-4128	192	13	,	,	PUNCT
fsr-4128	192	14	by	by	ADP
fsr-4128	192	15	incorporating	incorporate	VERB
fsr-4128	192	16	psychological	psychological	ADJ
fsr-4128	192	17	constructs	construct	NOUN
fsr-4128	192	18	and	and	CCONJ
fsr-4128	192	19	theories	theory	NOUN
fsr-4128	192	20	into	into	ADP
fsr-4128	192	21	the	the	DET
fsr-4128	192	22	investigation	investigation	NOUN
fsr-4128	192	23	of	of	ADP
fsr-4128	192	24	financial	financial	ADJ
fsr-4128	192	25	advice	advice	NOUN
fsr-4128	192	26	and	and	CCONJ
fsr-4128	192	27	the	the	DET
fsr-4128	192	28	various	various	ADJ
fsr-4128	192	29	non	non	ADJ
fsr-4128	192	30	-	-	ADJ
fsr-4128	192	31	financial	financial	ADJ
fsr-4128	192	32	wellbeing	wellbee	VERB
fsr-4128	192	33	outcomes	outcome	NOUN
fsr-4128	192	34	.	.	PUNCT
fsr-4128	193	1	for	for	ADP
fsr-4128	193	2	example	example	NOUN
fsr-4128	193	3	,	,	PUNCT
fsr-4128	193	4	ford	ford	PROPN
fsr-4128	193	5	et	et	PROPN
fsr-4128	193	6	al	al	PROPN
fsr-4128	193	7	.	.	PROPN
fsr-4128	193	8	(	(	PUNCT
fsr-4128	193	9	2020	2020	NUM
fsr-4128	193	10	)	)	PUNCT
fsr-4128	193	11	employed	employ	VERB
fsr-4128	193	12	a	a	DET
fsr-4128	193	13	qualitative	qualitative	ADJ
fsr-4128	193	14	observational	observational	ADJ
fsr-4128	193	15	design	design	NOUN
fsr-4128	193	16	to	to	PART
fsr-4128	193	17	explore	explore	VERB
fsr-4128	193	18	the	the	DET
fsr-4128	193	19	role	role	NOUN
fsr-4128	193	20	of	of	ADP
fsr-4128	193	21	financial	financial	ADJ
fsr-4128	193	22	couples	couple	NOUN
fsr-4128	193	23	therapy	therapy	NOUN
fsr-4128	193	24	on	on	ADP
fsr-4128	193	25	relationships	relationship	NOUN
fsr-4128	193	26	and	and	CCONJ
fsr-4128	193	27	help	help	AUX
fsr-4128	193	28	-	-	PUNCT
fsr-4128	193	29	seeking	seek	VERB
fsr-4128	193	30	behavior	behavior	NOUN
fsr-4128	193	31	,	,	PUNCT
fsr-4128	193	32	with	with	ADP
fsr-4128	193	33	reports	report	NOUN
fsr-4128	193	34	that	that	SCONJ
fsr-4128	193	35	therapy	therapy	NOUN
fsr-4128	193	36	produced	produce	VERB
fsr-4128	193	37	reduced	reduced	ADJ
fsr-4128	193	38	anxieties	anxiety	NOUN
fsr-4128	193	39	,	,	PUNCT
fsr-4128	193	40	better	well	ADJ
fsr-4128	193	41	communication	communication	NOUN
fsr-4128	193	42	and	and	CCONJ
fsr-4128	193	43	deeper	deep	ADJ
fsr-4128	193	44	relationships	relationship	NOUN
fsr-4128	193	45	between	between	ADP
fsr-4128	193	46	the	the	DET
fsr-4128	193	47	couples	couple	NOUN
fsr-4128	193	48	,	,	PUNCT
fsr-4128	193	49	and	and	CCONJ
fsr-4128	193	50	a	a	DET
fsr-4128	193	51	stronger	strong	ADJ
fsr-4128	193	52	desire	desire	NOUN
fsr-4128	193	53	to	to	PART
fsr-4128	193	54	improve	improve	VERB
fsr-4128	193	55	financial	financial	ADJ
fsr-4128	193	56	behaviors	behavior	NOUN
fsr-4128	193	57	.	.	PUNCT
fsr-4128	194	1	jackson	jackson	PROPN
fsr-4128	194	2	et	et	PROPN
fsr-4128	194	3	al	al	PROPN
fsr-4128	194	4	.	.	PROPN
fsr-4128	194	5	(	(	PUNCT
fsr-4128	194	6	2022	2022	NUM
fsr-4128	194	7	)	)	PUNCT
fsr-4128	194	8	followed	follow	VERB
fsr-4128	194	9	a	a	DET
fsr-4128	194	10	cohort	cohort	NOUN
fsr-4128	194	11	of	of	ADP
fsr-4128	194	12	men	man	NOUN
fsr-4128	194	13	at	at	ADP
fsr-4128	194	14	risk	risk	NOUN
fsr-4128	194	15	of	of	ADP
fsr-4128	194	16	suicide	suicide	NOUN
fsr-4128	194	17	due	due	ADP
fsr-4128	194	18	to	to	ADP
fsr-4128	194	19	financial	financial	ADJ
fsr-4128	194	20	distress	distress	NOUN
fsr-4128	194	21	who	who	PRON
fsr-4128	194	22	participated	participate	VERB
fsr-4128	194	23	in	in	ADP
fsr-4128	194	24	a	a	DET
fsr-4128	194	25	psychosocial	psychosocial	ADJ
fsr-4128	194	26	intervention	intervention	NOUN
fsr-4128	194	27	.	.	PUNCT
fsr-4128	195	1	at	at	ADP
fsr-4128	195	2	six	six	NUM
fsr-4128	195	3	-	-	PUNCT
fsr-4128	195	4	month	month	NOUN
fsr-4128	195	5	follow	follow	NOUN
fsr-4128	195	6	-	-	PUNCT
fsr-4128	195	7	up	up	NOUN
fsr-4128	195	8	,	,	PUNCT
fsr-4128	195	9	participants	participant	NOUN
fsr-4128	195	10	recorded	record	VERB
fsr-4128	195	11	a	a	DET
fsr-4128	195	12	49	49	NUM
fsr-4128	195	13	%	%	NOUN
fsr-4128	195	14	reduction	reduction	NOUN
fsr-4128	195	15	in	in	ADP
fsr-4128	195	16	depression	depression	NOUN
fsr-4128	195	17	scores	score	NOUN
fsr-4128	195	18	,	,	PUNCT
fsr-4128	195	19	a	a	DET
fsr-4128	195	20	55	55	NUM
fsr-4128	195	21	%	%	NOUN
fsr-4128	195	22	reduction	reduction	NOUN
fsr-4128	195	23	in	in	ADP
fsr-4128	195	24	suicidal	suicidal	ADJ
fsr-4128	195	25	ideation	ideation	NOUN
fsr-4128	195	26	,	,	PUNCT
fsr-4128	195	27	and	and	CCONJ
fsr-4128	195	28	a	a	DET
fsr-4128	195	29	26	26	NUM
fsr-4128	195	30	%	%	NOUN
fsr-4128	195	31	increase	increase	NOUN
fsr-4128	195	32	in	in	ADP
fsr-4128	195	33	financial	financial	ADJ
fsr-4128	195	34	self	self	NOUN
fsr-4128	195	35	-	-	PUNCT
fsr-4128	195	36	efficacy	efficacy	NOUN
fsr-4128	195	37	scores	score	NOUN
fsr-4128	195	38	(	(	PUNCT
fsr-4128	195	39	a	a	DET
fsr-4128	195	40	financial	financial	ADJ
fsr-4128	195	41	wellbeing	wellbee	VERB
fsr-4128	195	42	measure	measure	NOUN
fsr-4128	195	43	)	)	PUNCT
fsr-4128	195	44	.	.	PUNCT
fsr-4128	196	1	these	these	DET
fsr-4128	196	2	findings	finding	NOUN
fsr-4128	196	3	reflect	reflect	VERB
fsr-4128	196	4	a	a	DET
fsr-4128	196	5	broader	broad	ADJ
fsr-4128	196	6	shift	shift	NOUN
fsr-4128	196	7	towards	towards	ADP
fsr-4128	196	8	understanding	understand	VERB
fsr-4128	196	9	financial	financial	ADJ
fsr-4128	196	10	advice	advice	NOUN
fsr-4128	196	11	not	not	PART
fsr-4128	196	12	only	only	ADV
fsr-4128	196	13	as	as	ADP
fsr-4128	196	14	a	a	DET
fsr-4128	196	15	driver	driver	NOUN
fsr-4128	196	16	of	of	ADP
fsr-4128	196	17	economic	economic	ADJ
fsr-4128	196	18	outcomes	outcome	NOUN
fsr-4128	196	19	,	,	PUNCT
fsr-4128	196	20	but	but	CCONJ
fsr-4128	196	21	also	also	ADV
fsr-4128	196	22	as	as	ADP
fsr-4128	196	23	a	a	DET
fsr-4128	196	24	catalyst	catalyst	NOUN
fsr-4128	196	25	for	for	ADP
fsr-4128	196	26	psychological	psychological	ADJ
fsr-4128	196	27	,	,	PUNCT
fsr-4128	196	28	physical	physical	ADJ
fsr-4128	196	29	,	,	PUNCT
fsr-4128	196	30	and	and	CCONJ
fsr-4128	196	31	relational	relational	ADJ
fsr-4128	196	32	wellbeing	wellbeing	NOUN
fsr-4128	196	33	.	.	PUNCT
fsr-4128	197	1	quality	quality	NOUN
fsr-4128	197	2	of	of	ADP
fsr-4128	197	3	advice	advice	NOUN
fsr-4128	197	4	the	the	DET
fsr-4128	197	5	third	third	ADJ
fsr-4128	197	6	theme	theme	NOUN
fsr-4128	197	7	,	,	PUNCT
fsr-4128	197	8	quality	quality	NOUN
fsr-4128	197	9	of	of	ADP
fsr-4128	197	10	advice	advice	NOUN
fsr-4128	197	11	,	,	PUNCT
fsr-4128	197	12	has	have	AUX
fsr-4128	197	13	been	be	AUX
fsr-4128	197	14	examined	examine	VERB
fsr-4128	197	15	least	least	ADV
fsr-4128	197	16	often	often	ADV
fsr-4128	197	17	in	in	ADP
fsr-4128	197	18	the	the	DET
fsr-4128	197	19	professional	professional	ADJ
fsr-4128	197	20	financial	financial	ADJ
fsr-4128	197	21	advice	advice	NOUN
fsr-4128	197	22	space	space	NOUN
fsr-4128	197	23	.	.	PUNCT
fsr-4128	198	1	it	it	PRON
fsr-4128	198	2	contains	contain	VERB
fsr-4128	198	3	three	three	NUM
fsr-4128	198	4	subthemes	subtheme	NOUN
fsr-4128	198	5	:	:	PUNCT
fsr-4128	198	6	relationship	relationship	NOUN
fsr-4128	198	7	quality	quality	NOUN
fsr-4128	198	8	;	;	PUNCT
fsr-4128	198	9	satisfaction	satisfaction	NOUN
fsr-4128	198	10	with	with	ADP
fsr-4128	198	11	advice	advice	NOUN
fsr-4128	198	12	;	;	PUNCT
fsr-4128	198	13	and	and	CCONJ
fsr-4128	198	14	trust	trust	NOUN
fsr-4128	198	15	.	.	PUNCT
fsr-4128	199	1	in	in	ADP
fsr-4128	199	2	government	government	NOUN
fsr-4128	199	3	literature	literature	NOUN
fsr-4128	199	4	,	,	PUNCT
fsr-4128	199	5	quality	quality	NOUN
fsr-4128	199	6	of	of	ADP
fsr-4128	199	7	advice	advice	NOUN
fsr-4128	199	8	has	have	AUX
fsr-4128	199	9	been	be	AUX
fsr-4128	199	10	described	describe	VERB
fsr-4128	199	11	as	as	ADP
fsr-4128	199	12	a	a	DET
fsr-4128	199	13	threeway	threeway	NOUN
fsr-4128	199	14	interaction	interaction	NOUN
fsr-4128	199	15	,	,	PUNCT
fsr-4128	199	16	encapsulating	encapsulate	VERB
fsr-4128	199	17	“	"	PUNCT
fsr-4128	199	18	the	the	DET
fsr-4128	199	19	provision	provision	NOUN
fsr-4128	199	20	of	of	ADP
fsr-4128	199	21	high	high	ADJ
fsr-4128	199	22	quality	quality	NOUN
fsr-4128	199	23	,	,	PUNCT
fsr-4128	199	24	accessible	accessible	ADJ
fsr-4128	199	25	and	and	CCONJ
fsr-4128	199	26	affordable	affordable	ADJ
fsr-4128	199	27	financial	financial	ADJ
fsr-4128	199	28	advice	advice	NOUN
fsr-4128	199	29	for	for	ADP
fsr-4128	199	30	retail	retail	ADJ
fsr-4128	199	31	clients	client	NOUN
fsr-4128	199	32	”	"	PUNCT
fsr-4128	199	33	(	(	PUNCT
fsr-4128	199	34	australian	australian	ADJ
fsr-4128	199	35	government	government	NOUN
fsr-4128	199	36	,	,	PUNCT
fsr-4128	199	37	2022	2022	NUM
fsr-4128	199	38	,	,	PUNCT
fsr-4128	199	39	p.	p.	NOUN
fsr-4128	199	40	1	1	NUM
fsr-4128	199	41	)	)	PUNCT
fsr-4128	199	42	.	.	PUNCT
fsr-4128	200	1	in	in	ADP
fsr-4128	200	2	the	the	DET
fsr-4128	200	3	academic	academic	ADJ
fsr-4128	200	4	literature	literature	NOUN
fsr-4128	200	5	,	,	PUNCT
fsr-4128	200	6	the	the	DET
fsr-4128	200	7	(	(	PUNCT
fsr-4128	200	8	obvious	obvious	ADJ
fsr-4128	200	9	)	)	PUNCT
fsr-4128	200	10	assertion	assertion	NOUN
fsr-4128	200	11	has	have	AUX
fsr-4128	200	12	been	be	AUX
fsr-4128	200	13	made	make	VERB
fsr-4128	200	14	that	that	SCONJ
fsr-4128	200	15	quality	quality	NOUN
fsr-4128	200	16	financial	financial	ADJ
fsr-4128	200	17	advice	advice	NOUN
fsr-4128	200	18	“	"	PUNCT
fsr-4128	200	19	should	should	AUX
fsr-4128	200	20	aim	aim	VERB
fsr-4128	200	21	to	to	ADP
fsr-4128	200	22	macdonald	macdonald	PROPN
fsr-4128	200	23	et	et	PROPN
fsr-4128	200	24	al	al	PROPN
fsr-4128	200	25	.	.	PROPN
fsr-4128	200	26	143	143	NUM
fsr-4128	200	27	enhance	enhance	VERB
fsr-4128	200	28	investor	investor	NOUN
fsr-4128	200	29	utility	utility	NOUN
fsr-4128	200	30	”	"	PUNCT
fsr-4128	200	31	(	(	PUNCT
fsr-4128	200	32	bluethgen	bluethgen	PROPN
fsr-4128	200	33	,	,	PUNCT
fsr-4128	200	34	meyer	meyer	PROPN
fsr-4128	200	35	,	,	PUNCT
fsr-4128	200	36	et	et	PROPN
fsr-4128	200	37	al	al	PROPN
fsr-4128	200	38	.	.	PROPN
fsr-4128	200	39	,	,	PUNCT
fsr-4128	200	40	2008	2008	NUM
fsr-4128	200	41	,	,	PUNCT
fsr-4128	200	42	p.	p.	NOUN
fsr-4128	200	43	3	3	NUM
fsr-4128	200	44	)	)	PUNCT
fsr-4128	200	45	,	,	PUNCT
fsr-4128	200	46	however	however	ADV
fsr-4128	200	47	,	,	PUNCT
fsr-4128	200	48	the	the	DET
fsr-4128	200	49	credence	credence	NOUN
fsr-4128	200	50	good	good	ADJ
fsr-4128	200	51	that	that	PRON
fsr-4128	200	52	is	be	AUX
fsr-4128	200	53	expert	expert	ADJ
fsr-4128	200	54	financial	financial	ADJ
fsr-4128	200	55	advice	advice	NOUN
fsr-4128	200	56	means	mean	VERB
fsr-4128	200	57	the	the	DET
fsr-4128	200	58	typical	typical	ADJ
fsr-4128	200	59	client	client	NOUN
fsr-4128	200	60	lacks	lack	VERB
fsr-4128	200	61	the	the	DET
fsr-4128	200	62	necessary	necessary	ADJ
fsr-4128	200	63	knowledge	knowledge	NOUN
fsr-4128	200	64	or	or	CCONJ
fsr-4128	200	65	information	information	NOUN
fsr-4128	200	66	to	to	PART
fsr-4128	200	67	accurately	accurately	ADV
fsr-4128	200	68	assess	assess	VERB
fsr-4128	200	69	the	the	DET
fsr-4128	200	70	quality	quality	NOUN
fsr-4128	200	71	of	of	ADP
fsr-4128	200	72	the	the	DET
fsr-4128	200	73	advice	advice	NOUN
fsr-4128	200	74	provided	provide	VERB
fsr-4128	200	75	,	,	PUNCT
fsr-4128	200	76	even	even	ADV
fsr-4128	200	77	ex	ex	NOUN
fsr-4128	200	78	-	-	NOUN
fsr-4128	200	79	post	post	ADJ
fsr-4128	200	80	(	(	PUNCT
fsr-4128	200	81	bluethgen	bluethgen	PROPN
fsr-4128	200	82	,	,	PUNCT
fsr-4128	200	83	meyer	meyer	PROPN
fsr-4128	200	84	,	,	PUNCT
fsr-4128	200	85	et	et	PROPN
fsr-4128	200	86	al	al	PROPN
fsr-4128	200	87	.	.	PROPN
fsr-4128	200	88	,	,	PUNCT
fsr-4128	200	89	2008	2008	NUM
fsr-4128	200	90	;	;	PUNCT
fsr-4128	200	91	srinivas	srinivas	PROPN
fsr-4128	200	92	,	,	PUNCT
fsr-4128	200	93	2000	2000	NUM
fsr-4128	200	94	)	)	PUNCT
fsr-4128	200	95	.	.	PUNCT
fsr-4128	201	1	thus	thus	ADV
fsr-4128	201	2	,	,	PUNCT
fsr-4128	201	3	it	it	PRON
fsr-4128	201	4	is	be	AUX
fsr-4128	201	5	ironic	ironic	ADJ
fsr-4128	201	6	that	that	SCONJ
fsr-4128	201	7	research	research	NOUN
fsr-4128	201	8	into	into	ADP
fsr-4128	201	9	the	the	DET
fsr-4128	201	10	quality	quality	NOUN
fsr-4128	201	11	of	of	ADP
fsr-4128	201	12	financial	financial	ADJ
fsr-4128	201	13	advice	advice	NOUN
fsr-4128	201	14	has	have	AUX
fsr-4128	201	15	often	often	ADV
fsr-4128	201	16	focused	focus	VERB
fsr-4128	201	17	on	on	ADP
fsr-4128	201	18	basic	basic	ADJ
fsr-4128	201	19	subjective	subjective	ADJ
fsr-4128	201	20	measures	measure	NOUN
fsr-4128	201	21	and	and	CCONJ
fsr-4128	201	22	reporting	reporting	NOUN
fsr-4128	201	23	of	of	ADP
fsr-4128	201	24	individuals	individual	NOUN
fsr-4128	201	25	’	’	PART
fsr-4128	201	26	perceptions	perception	NOUN
fsr-4128	201	27	about	about	ADP
fsr-4128	201	28	the	the	DET
fsr-4128	201	29	service	service	NOUN
fsr-4128	201	30	they	they	PRON
fsr-4128	201	31	receive	receive	VERB
fsr-4128	201	32	in	in	ADP
fsr-4128	201	33	the	the	DET
fsr-4128	201	34	short	short	ADJ
fsr-4128	201	35	term	term	NOUN
fsr-4128	201	36	or	or	CCONJ
fsr-4128	201	37	at	at	ADP
fsr-4128	201	38	a	a	DET
fsr-4128	201	39	single	single	ADJ
fsr-4128	201	40	point	point	NOUN
fsr-4128	201	41	in	in	ADP
fsr-4128	201	42	time	time	NOUN
fsr-4128	201	43	,	,	PUNCT
fsr-4128	201	44	more	more	ADV
fsr-4128	201	45	so	so	ADV
fsr-4128	201	46	than	than	ADP
fsr-4128	201	47	comprehensive	comprehensive	ADJ
fsr-4128	201	48	or	or	CCONJ
fsr-4128	201	49	holistic	holistic	ADJ
fsr-4128	201	50	measures	measure	NOUN
fsr-4128	201	51	and	and	CCONJ
fsr-4128	201	52	analyses	analysis	NOUN
fsr-4128	201	53	over	over	ADP
fsr-4128	201	54	the	the	DET
fsr-4128	201	55	medium	medium	NOUN
fsr-4128	201	56	to	to	ADP
fsr-4128	201	57	long	long	ADJ
fsr-4128	201	58	term	term	NOUN
fsr-4128	201	59	.	.	PUNCT
fsr-4128	202	1	these	these	DET
fsr-4128	202	2	more	more	ADV
fsr-4128	202	3	subjective	subjective	ADJ
fsr-4128	202	4	accounts	account	NOUN
fsr-4128	202	5	are	be	AUX
fsr-4128	202	6	primarily	primarily	ADV
fsr-4128	202	7	found	find	VERB
fsr-4128	202	8	in	in	ADP
fsr-4128	202	9	industry	industry	NOUN
fsr-4128	202	10	and	and	CCONJ
fsr-4128	202	11	government	government	NOUN
fsr-4128	202	12	publications	publication	NOUN
fsr-4128	202	13	,	,	PUNCT
fsr-4128	202	14	often	often	ADV
fsr-4128	202	15	highlighting	highlight	VERB
fsr-4128	202	16	high	high	ADJ
fsr-4128	202	17	satisfaction	satisfaction	NOUN
fsr-4128	202	18	and	and	CCONJ
fsr-4128	202	19	trust	trust	NOUN
fsr-4128	202	20	in	in	ADP
fsr-4128	202	21	advisors	advisor	NOUN
fsr-4128	202	22	,	,	PUNCT
fsr-4128	202	23	along	along	ADP
fsr-4128	202	24	with	with	ADP
fsr-4128	202	25	a	a	DET
fsr-4128	202	26	low	low	ADJ
fsr-4128	202	27	likelihood	likelihood	NOUN
fsr-4128	202	28	of	of	ADP
fsr-4128	202	29	switching	switch	VERB
fsr-4128	202	30	advisor	advisor	NOUN
fsr-4128	202	31	(	(	PUNCT
fsr-4128	202	32	e.g.	e.g.	ADV
fsr-4128	202	33	,	,	PUNCT
fsr-4128	202	34	farr	farr	PROPN
fsr-4128	202	35	et	et	PROPN
fsr-4128	202	36	al	al	PROPN
fsr-4128	202	37	.	.	PROPN
fsr-4128	202	38	,	,	PUNCT
fsr-4128	202	39	2018	2018	NUM
fsr-4128	202	40	;	;	PUNCT
fsr-4128	202	41	madamba	madamba	PROPN
fsr-4128	202	42	&	&	CCONJ
fsr-4128	202	43	utkus	utkus	PROPN
fsr-4128	202	44	,	,	PUNCT
fsr-4128	202	45	2017	2017	NUM
fsr-4128	202	46	)	)	PUNCT
fsr-4128	202	47	.	.	PUNCT
fsr-4128	203	1	grable	grable	PROPN
fsr-4128	203	2	and	and	CCONJ
fsr-4128	203	3	joo	joo	PROPN
fsr-4128	203	4	(	(	PUNCT
fsr-4128	203	5	2003	2003	NUM
fsr-4128	203	6	)	)	PUNCT
fsr-4128	203	7	also	also	ADV
fsr-4128	203	8	report	report	VERB
fsr-4128	203	9	high	high	ADJ
fsr-4128	203	10	satisfaction	satisfaction	NOUN
fsr-4128	203	11	of	of	ADP
fsr-4128	203	12	advised	advise	VERB
fsr-4128	203	13	clients	client	NOUN
fsr-4128	203	14	with	with	ADP
fsr-4128	203	15	their	their	PRON
fsr-4128	203	16	advisor	advisor	NOUN
fsr-4128	203	17	through	through	ADP
fsr-4128	203	18	recommendations	recommendation	NOUN
fsr-4128	203	19	to	to	ADP
fsr-4128	203	20	family	family	NOUN
fsr-4128	203	21	and	and	CCONJ
fsr-4128	203	22	friends	friend	NOUN
fsr-4128	203	23	.	.	PUNCT
fsr-4128	204	1	the	the	DET
fsr-4128	204	2	non	non	ADJ
fsr-4128	204	3	-	-	ADJ
fsr-4128	204	4	advised	advise	VERB
fsr-4128	204	5	are	be	AUX
fsr-4128	204	6	used	use	VERB
fsr-4128	204	7	in	in	ADP
fsr-4128	204	8	some	some	DET
fsr-4128	204	9	studies	study	NOUN
fsr-4128	204	10	for	for	ADP
fsr-4128	204	11	comparative	comparative	ADJ
fsr-4128	204	12	purposes	purpose	NOUN
fsr-4128	204	13	,	,	PUNCT
fsr-4128	204	14	with	with	ADP
fsr-4128	204	15	these	these	DET
fsr-4128	204	16	individuals	individual	NOUN
fsr-4128	204	17	typically	typically	ADV
fsr-4128	204	18	expressing	express	VERB
fsr-4128	204	19	concerns	concern	NOUN
fsr-4128	204	20	over	over	ADP
fsr-4128	204	21	quality	quality	NOUN
fsr-4128	204	22	,	,	PUNCT
fsr-4128	204	23	trust	trust	NOUN
fsr-4128	204	24	,	,	PUNCT
fsr-4128	204	25	and	and	CCONJ
fsr-4128	204	26	affordability	affordability	NOUN
fsr-4128	204	27	,	,	PUNCT
fsr-4128	204	28	and	and	CCONJ
fsr-4128	204	29	a	a	DET
fsr-4128	204	30	perception	perception	NOUN
fsr-4128	204	31	of	of	ADP
fsr-4128	204	32	being	be	AUX
fsr-4128	204	33	capable	capable	ADJ
fsr-4128	204	34	of	of	ADP
fsr-4128	204	35	making	make	VERB
fsr-4128	204	36	their	their	PRON
fsr-4128	204	37	own	own	ADJ
fsr-4128	204	38	financial	financial	ADJ
fsr-4128	204	39	decisions	decision	NOUN
fsr-4128	204	40	(	(	PUNCT
fsr-4128	204	41	asic	asic	NOUN
fsr-4128	204	42	,	,	PUNCT
fsr-4128	204	43	2019	2019	NUM
fsr-4128	204	44	;	;	PUNCT
fsr-4128	204	45	himawan	himawan	PROPN
fsr-4128	204	46	,	,	PUNCT
fsr-4128	204	47	2020	2020	NUM
fsr-4128	204	48	)	)	PUNCT
fsr-4128	204	49	.	.	PUNCT
fsr-4128	205	1	this	this	PRON
fsr-4128	205	2	has	have	AUX
fsr-4128	205	3	led	lead	VERB
fsr-4128	205	4	some	some	DET
fsr-4128	205	5	researchers	researcher	NOUN
fsr-4128	205	6	to	to	PART
fsr-4128	205	7	advocate	advocate	VERB
fsr-4128	205	8	for	for	ADP
fsr-4128	205	9	lowcost	lowcost	PROPN
fsr-4128	205	10	automated	automate	VERB
fsr-4128	205	11	online	online	ADJ
fsr-4128	205	12	advice	advice	NOUN
fsr-4128	205	13	options	option	NOUN
fsr-4128	205	14	(	(	PUNCT
fsr-4128	205	15	farr	farr	PROPN
fsr-4128	205	16	et	et	PROPN
fsr-4128	205	17	al	al	PROPN
fsr-4128	205	18	.	.	PROPN
fsr-4128	205	19	,	,	PUNCT
fsr-4128	205	20	2018	2018	NUM
fsr-4128	205	21	)	)	PUNCT
fsr-4128	205	22	,	,	PUNCT
fsr-4128	205	23	in	in	ADP
fsr-4128	205	24	line	line	NOUN
fsr-4128	205	25	with	with	ADP
fsr-4128	205	26	the	the	DET
fsr-4128	205	27	rise	rise	NOUN
fsr-4128	205	28	of	of	ADP
fsr-4128	205	29	robo	robo	NOUN
fsr-4128	205	30	-	-	PUNCT
fsr-4128	205	31	advice	advice	NOUN
fsr-4128	205	32	.	.	PUNCT
fsr-4128	206	1	other	other	ADJ
fsr-4128	206	2	research	research	NOUN
fsr-4128	206	3	directions	direction	NOUN
fsr-4128	206	4	further	far	ADV
fsr-4128	206	5	investigate	investigate	VERB
fsr-4128	206	6	psychosocial	psychosocial	ADJ
fsr-4128	206	7	constructs	construct	NOUN
fsr-4128	206	8	from	from	ADP
fsr-4128	206	9	the	the	DET
fsr-4128	206	10	financial	financial	ADJ
fsr-4128	206	11	wellbeing	wellbee	VERB
fsr-4128	206	12	literature	literature	NOUN
fsr-4128	206	13	.	.	PUNCT
fsr-4128	207	1	while	while	SCONJ
fsr-4128	207	2	trust	trust	NOUN
fsr-4128	207	3	is	be	AUX
fsr-4128	207	4	an	an	DET
fsr-4128	207	5	important	important	ADJ
fsr-4128	207	6	element	element	NOUN
fsr-4128	207	7	of	of	ADP
fsr-4128	207	8	the	the	DET
fsr-4128	207	9	client	client	NOUN
fsr-4128	207	10	-	-	PUNCT
fsr-4128	207	11	advisor	advisor	NOUN
fsr-4128	207	12	relationship	relationship	NOUN
fsr-4128	207	13	,	,	PUNCT
fsr-4128	207	14	manders	mander	NOUN
fsr-4128	207	15	(	(	PUNCT
fsr-4128	207	16	2021	2021	NUM
fsr-4128	207	17	)	)	PUNCT
fsr-4128	207	18	finds	find	VERB
fsr-4128	207	19	that	that	SCONJ
fsr-4128	207	20	an	an	DET
fsr-4128	207	21	examination	examination	NOUN
fsr-4128	207	22	of	of	ADP
fsr-4128	207	23	personality	personality	NOUN
fsr-4128	207	24	traits	trait	NOUN
fsr-4128	207	25	can	can	AUX
fsr-4128	207	26	be	be	AUX
fsr-4128	207	27	used	use	VERB
fsr-4128	207	28	to	to	PART
fsr-4128	207	29	identify	identify	VERB
fsr-4128	207	30	selfprotection	selfprotection	NOUN
fsr-4128	207	31	measures	measure	NOUN
fsr-4128	207	32	to	to	PART
fsr-4128	207	33	counteract	counteract	VERB
fsr-4128	207	34	the	the	DET
fsr-4128	207	35	information	information	NOUN
fsr-4128	207	36	asymmetry	asymmetry	NOUN
fsr-4128	207	37	in	in	ADP
fsr-4128	207	38	the	the	DET
fsr-4128	207	39	client	client	NOUN
fsr-4128	207	40	-	-	PUNCT
fsr-4128	207	41	advisor	advisor	NOUN
fsr-4128	207	42	relationship	relationship	NOUN
fsr-4128	207	43	and	and	CCONJ
fsr-4128	207	44	thus	thus	ADV
fsr-4128	207	45	empower	empower	NOUN
fsr-4128	207	46	advised	advise	VERB
fsr-4128	207	47	clients	client	NOUN
fsr-4128	207	48	to	to	PART
fsr-4128	207	49	improve	improve	VERB
fsr-4128	207	50	their	their	PRON
fsr-4128	207	51	evaluation	evaluation	NOUN
fsr-4128	207	52	of	of	ADP
fsr-4128	207	53	the	the	DET
fsr-4128	207	54	quality	quality	NOUN
fsr-4128	207	55	of	of	ADP
fsr-4128	207	56	advice	advice	NOUN
fsr-4128	207	57	.	.	PUNCT
fsr-4128	208	1	additional	additional	ADJ
fsr-4128	208	2	data	datum	NOUN
fsr-4128	208	3	and	and	CCONJ
fsr-4128	208	4	modelling	modelling	NOUN
fsr-4128	208	5	are	be	AUX
fsr-4128	208	6	required	require	VERB
fsr-4128	208	7	to	to	PART
fsr-4128	208	8	empirically	empirically	ADV
fsr-4128	208	9	test	test	VERB
fsr-4128	208	10	the	the	DET
fsr-4128	208	11	impact	impact	NOUN
fsr-4128	208	12	on	on	ADP
fsr-4128	208	13	advice	advice	NOUN
fsr-4128	208	14	outcomes	outcome	NOUN
fsr-4128	208	15	,	,	PUNCT
fsr-4128	208	16	including	include	VERB
fsr-4128	208	17	financial	financial	ADJ
fsr-4128	208	18	wellbeing	wellbeing	NOUN
fsr-4128	208	19	.	.	PUNCT
fsr-4128	209	1	government	government	NOUN
fsr-4128	209	2	publications	publication	NOUN
fsr-4128	209	3	are	be	AUX
fsr-4128	209	4	comparatively	comparatively	ADV
fsr-4128	209	5	abundant	abundant	ADJ
fsr-4128	209	6	,	,	PUNCT
fsr-4128	209	7	particularly	particularly	ADV
fsr-4128	209	8	in	in	ADP
fsr-4128	209	9	australia	australia	PROPN
fsr-4128	209	10	,	,	PUNCT
fsr-4128	209	11	reflecting	reflect	VERB
fsr-4128	209	12	the	the	DET
fsr-4128	209	13	country	country	NOUN
fsr-4128	209	14	’s	’s	PART
fsr-4128	209	15	history	history	NOUN
fsr-4128	209	16	of	of	ADP
fsr-4128	209	17	financial	financial	ADJ
fsr-4128	209	18	advice	advice	NOUN
fsr-4128	209	19	scandals	scandal	NOUN
fsr-4128	209	20	and	and	CCONJ
fsr-4128	209	21	subsequent	subsequent	ADJ
fsr-4128	209	22	regulatory	regulatory	ADJ
fsr-4128	209	23	reforms	reform	NOUN
fsr-4128	209	24	(	(	PUNCT
fsr-4128	209	25	e.g.	e.g.	ADV
fsr-4128	209	26	,	,	PUNCT
fsr-4128	209	27	asic	asic	NOUN
fsr-4128	209	28	,	,	PUNCT
fsr-4128	209	29	2019	2019	NUM
fsr-4128	209	30	;	;	PUNCT
fsr-4128	209	31	australian	australian	ADJ
fsr-4128	209	32	government	government	NOUN
fsr-4128	209	33	,	,	PUNCT
fsr-4128	209	34	2022	2022	NUM
fsr-4128	209	35	)	)	PUNCT
fsr-4128	209	36	.	.	PUNCT
fsr-4128	210	1	more	more	ADV
fsr-4128	210	2	recently	recently	ADV
fsr-4128	210	3	,	,	PUNCT
fsr-4128	210	4	however	however	ADV
fsr-4128	210	5	,	,	PUNCT
fsr-4128	210	6	there	there	PRON
fsr-4128	210	7	has	have	AUX
fsr-4128	210	8	been	be	AUX
fsr-4128	210	9	a	a	DET
fsr-4128	210	10	noticeable	noticeable	ADJ
fsr-4128	210	11	rise	rise	NOUN
fsr-4128	210	12	in	in	ADP
fsr-4128	210	13	publications	publication	NOUN
fsr-4128	210	14	that	that	PRON
fsr-4128	210	15	adopt	adopt	VERB
fsr-4128	210	16	a	a	DET
fsr-4128	210	17	more	more	ADV
fsr-4128	210	18	holistic	holistic	ADJ
fsr-4128	210	19	approach	approach	NOUN
fsr-4128	210	20	to	to	ADP
fsr-4128	210	21	evaluating	evaluate	VERB
fsr-4128	210	22	advice	advice	NOUN
fsr-4128	210	23	quality	quality	NOUN
fsr-4128	210	24	or	or	CCONJ
fsr-4128	210	25	appear	appear	VERB
fsr-4128	210	26	in	in	ADP
fsr-4128	210	27	peer	peer	NOUN
fsr-4128	210	28	-	-	PUNCT
fsr-4128	210	29	reviewed	review	VERB
fsr-4128	210	30	journals	journal	NOUN
fsr-4128	210	31	,	,	PUNCT
fsr-4128	210	32	or	or	CCONJ
fsr-4128	210	33	both	both	PRON
fsr-4128	210	34	.	.	PUNCT
fsr-4128	211	1	for	for	ADP
fsr-4128	211	2	instance	instance	NOUN
fsr-4128	211	3	,	,	PUNCT
fsr-4128	211	4	an	an	DET
fsr-4128	211	5	australian	australian	ADJ
fsr-4128	211	6	study	study	NOUN
fsr-4128	211	7	examined	examine	VERB
fsr-4128	211	8	the	the	DET
fsr-4128	211	9	components	component	NOUN
fsr-4128	211	10	of	of	ADP
fsr-4128	211	11	advisor	advisor	NOUN
fsr-4128	211	12	-	-	PUNCT
fsr-4128	211	13	client	client	NOUN
fsr-4128	211	14	relationship	relationship	NOUN
fsr-4128	211	15	quality	quality	NOUN
fsr-4128	211	16	and	and	CCONJ
fsr-4128	211	17	the	the	DET
fsr-4128	211	18	extent	extent	NOUN
fsr-4128	211	19	to	to	PART
fsr-4128	211	20	which	which	PRON
fsr-4128	211	21	these	these	PRON
fsr-4128	211	22	changed	change	VERB
fsr-4128	211	23	over	over	ADP
fsr-4128	211	24	time	time	NOUN
fsr-4128	211	25	.	.	PUNCT
fsr-4128	212	1	all	all	DET
fsr-4128	212	2	components	component	NOUN
fsr-4128	212	3	of	of	ADP
fsr-4128	212	4	relationship	relationship	NOUN
fsr-4128	212	5	quality	quality	NOUN
fsr-4128	212	6	were	be	AUX
fsr-4128	212	7	measured	measure	VERB
fsr-4128	212	8	with	with	ADP
fsr-4128	212	9	scales	scale	NOUN
fsr-4128	212	10	previously	previously	ADV
fsr-4128	212	11	determined	determine	VERB
fsr-4128	212	12	to	to	PART
fsr-4128	212	13	be	be	AUX
fsr-4128	212	14	reliable	reliable	ADJ
fsr-4128	212	15	and	and	CCONJ
fsr-4128	212	16	valid	valid	ADJ
fsr-4128	212	17	.	.	PUNCT
fsr-4128	213	1	the	the	DET
fsr-4128	213	2	key	key	ADJ
fsr-4128	213	3	determinants	determinant	NOUN
fsr-4128	213	4	of	of	ADP
fsr-4128	213	5	relationship	relationship	NOUN
fsr-4128	213	6	quality	quality	NOUN
fsr-4128	213	7	were	be	AUX
fsr-4128	213	8	reported	report	VERB
fsr-4128	213	9	to	to	PART
fsr-4128	213	10	be	be	AUX
fsr-4128	213	11	trust	trust	NOUN
fsr-4128	213	12	,	,	PUNCT
fsr-4128	213	13	engagement	engagement	NOUN
fsr-4128	213	14	,	,	PUNCT
fsr-4128	213	15	and	and	CCONJ
fsr-4128	213	16	commitment	commitment	NOUN
fsr-4128	213	17	,	,	PUNCT
fsr-4128	213	18	with	with	ADP
fsr-4128	213	19	many	many	ADJ
fsr-4128	213	20	client	client	NOUN
fsr-4128	213	21	perceptions	perception	NOUN
fsr-4128	213	22	of	of	ADP
fsr-4128	213	23	relationship	relationship	NOUN
fsr-4128	213	24	quality	quality	NOUN
fsr-4128	213	25	increasing	increase	VERB
fsr-4128	213	26	over	over	ADP
fsr-4128	213	27	time	time	NOUN
fsr-4128	213	28	,	,	PUNCT
fsr-4128	213	29	despite	despite	SCONJ
fsr-4128	213	30	the	the	DET
fsr-4128	213	31	instability	instability	NOUN
fsr-4128	213	32	and	and	CCONJ
fsr-4128	213	33	regulatory	regulatory	ADJ
fsr-4128	213	34	changes	change	NOUN
fsr-4128	213	35	within	within	ADP
fsr-4128	213	36	the	the	DET
fsr-4128	213	37	sector	sector	NOUN
fsr-4128	213	38	(	(	PUNCT
fsr-4128	213	39	hunt	hunt	NOUN
fsr-4128	213	40	et	et	NOUN
fsr-4128	213	41	al	al	PROPN
fsr-4128	213	42	.	.	PROPN
fsr-4128	213	43	,	,	PUNCT
fsr-4128	213	44	2022	2022	NUM
fsr-4128	213	45	)	)	PUNCT
fsr-4128	213	46	.	.	PUNCT
fsr-4128	214	1	another	another	DET
fsr-4128	214	2	study	study	NOUN
fsr-4128	214	3	from	from	ADP
fsr-4128	214	4	italy	italy	PROPN
fsr-4128	214	5	used	use	VERB
fsr-4128	214	6	a	a	DET
fsr-4128	214	7	structural	structural	ADJ
fsr-4128	214	8	equation	equation	NOUN
fsr-4128	214	9	model	model	NOUN
fsr-4128	214	10	to	to	PART
fsr-4128	214	11	test	test	VERB
fsr-4128	214	12	the	the	DET
fsr-4128	214	13	impact	impact	NOUN
fsr-4128	214	14	of	of	ADP
fsr-4128	214	15	length	length	NOUN
fsr-4128	214	16	of	of	ADP
fsr-4128	214	17	relationship	relationship	NOUN
fsr-4128	214	18	and	and	CCONJ
fsr-4128	214	19	ability	ability	NOUN
fsr-4128	214	20	to	to	PART
fsr-4128	214	21	understand	understand	VERB
fsr-4128	214	22	clients	client	NOUN
fsr-4128	214	23	’	’	PART
fsr-4128	214	24	emotional	emotional	ADJ
fsr-4128	214	25	associations	association	NOUN
fsr-4128	214	26	with	with	ADP
fsr-4128	214	27	money	money	NOUN
fsr-4128	214	28	on	on	ADP
fsr-4128	214	29	four	four	NUM
fsr-4128	214	30	relationship	relationship	NOUN
fsr-4128	214	31	outcomes	outcome	NOUN
fsr-4128	214	32	:	:	PUNCT
fsr-4128	214	33	satisfaction	satisfaction	NOUN
fsr-4128	214	34	,	,	PUNCT
fsr-4128	214	35	trust	trust	NOUN
fsr-4128	214	36	,	,	PUNCT
fsr-4128	214	37	loyalty	loyalty	NOUN
fsr-4128	214	38	,	,	PUNCT
fsr-4128	214	39	and	and	CCONJ
fsr-4128	214	40	referral	referral	ADJ
fsr-4128	214	41	propensity	propensity	NOUN
fsr-4128	214	42	.	.	PUNCT
fsr-4128	215	1	the	the	PRON
fsr-4128	215	2	better	well	ADJ
fsr-4128	215	3	the	the	DET
fsr-4128	215	4	advisor	advisor	NOUN
fsr-4128	215	5	was	be	AUX
fsr-4128	215	6	at	at	ADP
fsr-4128	215	7	understanding	understand	VERB
fsr-4128	215	8	their	their	PRON
fsr-4128	215	9	client	client	NOUN
fsr-4128	215	10	’s	’s	PART
fsr-4128	215	11	emotional	emotional	ADJ
fsr-4128	215	12	associations	association	NOUN
fsr-4128	215	13	with	with	ADP
fsr-4128	215	14	money	money	NOUN
fsr-4128	215	15	,	,	PUNCT
fsr-4128	215	16	the	the	PRON
fsr-4128	215	17	better	well	ADJ
fsr-4128	215	18	the	the	DET
fsr-4128	215	19	relationship	relationship	NOUN
fsr-4128	215	20	and	and	CCONJ
fsr-4128	215	21	length	length	NOUN
fsr-4128	215	22	of	of	ADP
fsr-4128	215	23	relationship	relationship	NOUN
fsr-4128	215	24	also	also	ADV
fsr-4128	215	25	positively	positively	ADV
fsr-4128	215	26	impacted	impact	VERB
fsr-4128	215	27	relationship	relationship	NOUN
fsr-4128	215	28	outcomes	outcome	NOUN
fsr-4128	215	29	(	(	PUNCT
fsr-4128	215	30	lozza	lozza	PROPN
fsr-4128	215	31	et	et	PROPN
fsr-4128	215	32	al	al	PROPN
fsr-4128	215	33	.	.	PROPN
fsr-4128	215	34	,	,	PUNCT
fsr-4128	215	35	2022	2022	NUM
fsr-4128	215	36	)	)	PUNCT
fsr-4128	215	37	.	.	PUNCT
fsr-4128	216	1	these	these	DET
fsr-4128	216	2	studies	study	NOUN
fsr-4128	216	3	signal	signal	VERB
fsr-4128	216	4	a	a	DET
fsr-4128	216	5	growing	grow	VERB
fsr-4128	216	6	academic	academic	ADJ
fsr-4128	216	7	interest	interest	NOUN
fsr-4128	216	8	in	in	ADP
fsr-4128	216	9	advice	advice	NOUN
fsr-4128	216	10	quality	quality	NOUN
fsr-4128	216	11	as	as	ADP
fsr-4128	216	12	a	a	DET
fsr-4128	216	13	multidimensional	multidimensional	ADJ
fsr-4128	216	14	construct	construct	NOUN
fsr-4128	216	15	central	central	ADJ
fsr-4128	216	16	to	to	ADP
fsr-4128	216	17	understanding	understand	VERB
fsr-4128	216	18	the	the	DET
fsr-4128	216	19	value	value	NOUN
fsr-4128	216	20	of	of	ADP
fsr-4128	216	21	financial	financial	ADJ
fsr-4128	216	22	advice	advice	NOUN
fsr-4128	216	23	,	,	PUNCT
fsr-4128	216	24	paving	pave	VERB
fsr-4128	216	25	the	the	DET
fsr-4128	216	26	way	way	NOUN
fsr-4128	216	27	for	for	ADP
fsr-4128	216	28	more	more	ADV
fsr-4128	216	29	comprehensive	comprehensive	ADJ
fsr-4128	216	30	conceptualizations	conceptualization	NOUN
fsr-4128	216	31	of	of	ADP
fsr-4128	216	32	value	value	NOUN
fsr-4128	216	33	.	.	PUNCT
fsr-4128	217	1	for	for	ADP
fsr-4128	217	2	instance	instance	NOUN
fsr-4128	217	3	,	,	PUNCT
fsr-4128	217	4	madamba	madamba	NOUN
fsr-4128	217	5	and	and	CCONJ
fsr-4128	217	6	utkus	utkus	NOUN
fsr-4128	217	7	(	(	PUNCT
fsr-4128	217	8	2017	2017	NUM
fsr-4128	217	9	)	)	PUNCT
fsr-4128	217	10	employed	employ	VERB
fsr-4128	217	11	a	a	DET
fsr-4128	217	12	mixed	mix	VERB
fsr-4128	217	13	-	-	PUNCT
fsr-4128	217	14	methods	method	NOUN
fsr-4128	217	15	approach	approach	NOUN
fsr-4128	217	16	using	use	VERB
fsr-4128	217	17	a	a	DET
fsr-4128	217	18	sample	sample	NOUN
fsr-4128	217	19	of	of	ADP
fsr-4128	217	20	advised	advise	VERB
fsr-4128	217	21	clients	client	NOUN
fsr-4128	217	22	to	to	PART
fsr-4128	217	23	identify	identify	VERB
fsr-4128	217	24	and	and	CCONJ
fsr-4128	217	25	quantify	quantify	VERB
fsr-4128	217	26	the	the	DET
fsr-4128	217	27	components	component	NOUN
fsr-4128	217	28	of	of	ADP
fsr-4128	217	29	trust	trust	NOUN
fsr-4128	217	30	in	in	ADP
fsr-4128	217	31	financial	financial	ADJ
fsr-4128	217	32	advisors	advisor	NOUN
fsr-4128	217	33	.	.	PUNCT
fsr-4128	218	1	they	they	PRON
fsr-4128	218	2	identified	identify	VERB
fsr-4128	218	3	three	three	NUM
fsr-4128	218	4	core	core	NOUN
fsr-4128	218	5	dimensions	dimension	NOUN
fsr-4128	218	6	of	of	ADP
fsr-4128	218	7	trust	trust	NOUN
fsr-4128	218	8	,	,	PUNCT
fsr-4128	218	9	functional	functional	ADJ
fsr-4128	218	10	,	,	PUNCT
fsr-4128	218	11	emotional	emotional	ADJ
fsr-4128	218	12	,	,	PUNCT
fsr-4128	218	13	and	and	CCONJ
fsr-4128	218	14	ethical	ethical	ADJ
fsr-4128	218	15	,	,	PUNCT
fsr-4128	218	16	with	with	ADP
fsr-4128	218	17	emotional	emotional	ADJ
fsr-4128	218	18	trust	trust	NOUN
fsr-4128	218	19	having	have	VERB
fsr-4128	218	20	the	the	DET
fsr-4128	218	21	greatest	great	ADJ
fsr-4128	218	22	influence	influence	NOUN
fsr-4128	218	23	(	(	PUNCT
fsr-4128	218	24	53	53	NUM
fsr-4128	218	25	%	%	NOUN
fsr-4128	218	26	)	)	PUNCT
fsr-4128	218	27	,	,	PUNCT
fsr-4128	218	28	followed	follow	VERB
fsr-4128	218	29	by	by	ADP
fsr-4128	218	30	ethical	ethical	ADJ
fsr-4128	218	31	(	(	PUNCT
fsr-4128	218	32	30	30	NUM
fsr-4128	218	33	%	%	NOUN
fsr-4128	218	34	)	)	PUNCT
fsr-4128	218	35	,	,	PUNCT
fsr-4128	218	36	and	and	CCONJ
fsr-4128	218	37	functional	functional	ADJ
fsr-4128	218	38	trust	trust	NOUN
fsr-4128	218	39	(	(	PUNCT
fsr-4128	218	40	17	17	NUM
fsr-4128	218	41	%	%	NOUN
fsr-4128	218	42	)	)	PUNCT
fsr-4128	218	43	.	.	PUNCT
fsr-4128	219	1	acting	act	VERB
fsr-4128	219	2	in	in	ADP
fsr-4128	219	3	a	a	DET
fsr-4128	219	4	client	client	NOUN
fsr-4128	219	5	’s	’s	PART
fsr-4128	219	6	best	good	ADJ
fsr-4128	219	7	interest	interest	NOUN
fsr-4128	219	8	and	and	CCONJ
fsr-4128	219	9	advocating	advocate	VERB
fsr-4128	219	10	for	for	ADP
fsr-4128	219	11	the	the	DET
fsr-4128	219	12	client	client	NOUN
fsr-4128	219	13	were	be	AUX
fsr-4128	219	14	key	key	ADJ
fsr-4128	219	15	drivers	driver	NOUN
fsr-4128	219	16	of	of	ADP
fsr-4128	219	17	an	an	DET
fsr-4128	219	18	advisor	advisor	NOUN
fsr-4128	219	19	’s	’s	PART
fsr-4128	219	20	trustworthiness	trustworthiness	NOUN
fsr-4128	219	21	.	.	PUNCT
fsr-4128	220	1	in	in	ADP
fsr-4128	220	2	contrast	contrast	NOUN
fsr-4128	220	3	,	,	PUNCT
fsr-4128	220	4	bluethgen	bluethgen	PROPN
fsr-4128	220	5	,	,	PUNCT
fsr-4128	220	6	meyer	meyer	PROPN
fsr-4128	220	7	,	,	PUNCT
fsr-4128	220	8	et	et	PROPN
fsr-4128	220	9	al	al	PROPN
fsr-4128	220	10	.	.	PUNCT
fsr-4128	220	11	(	(	PUNCT
fsr-4128	220	12	2008	2008	NUM
fsr-4128	220	13	)	)	PUNCT
fsr-4128	220	14	assessed	assess	VERB
fsr-4128	220	15	advice	advice	NOUN
fsr-4128	220	16	quality	quality	NOUN
fsr-4128	220	17	through	through	ADP
fsr-4128	220	18	advisors	advisor	NOUN
fsr-4128	220	19	’	'	PUNCT
fsr-4128	220	20	return	return	VERB
fsr-4128	220	21	predictions	prediction	NOUN
fsr-4128	220	22	of	of	ADP
fsr-4128	220	23	common	common	ADJ
fsr-4128	220	24	asset	asset	NOUN
fsr-4128	220	25	categories	category	NOUN
fsr-4128	220	26	(	(	PUNCT
fsr-4128	220	27	a	a	DET
fsr-4128	220	28	measure	measure	NOUN
fsr-4128	220	29	of	of	ADP
fsr-4128	220	30	overconfidence	overconfidence	NOUN
fsr-4128	220	31	)	)	PUNCT
fsr-4128	220	32	and	and	CCONJ
fsr-4128	220	33	portfolio	portfolio	NOUN
fsr-4128	220	34	recommendations	recommendation	NOUN
fsr-4128	220	35	to	to	ADP
fsr-4128	220	36	fictitious	fictitious	ADJ
fsr-4128	220	37	clients	client	NOUN
fsr-4128	220	38	.	.	PUNCT
fsr-4128	221	1	their	their	PRON
fsr-4128	221	2	findings	finding	NOUN
fsr-4128	221	3	showed	show	VERB
fsr-4128	221	4	that	that	SCONJ
fsr-4128	221	5	advice	advice	NOUN
fsr-4128	221	6	quality	quality	NOUN
fsr-4128	221	7	improved	improve	VERB
fsr-4128	221	8	when	when	SCONJ
fsr-4128	221	9	advisors	advisor	NOUN
fsr-4128	221	10	were	be	AUX
fsr-4128	221	11	more	more	ADV
fsr-4128	221	12	sophisticated	sophisticated	ADJ
fsr-4128	221	13	(	(	PUNCT
fsr-4128	221	14	rational	rational	ADJ
fsr-4128	221	15	)	)	PUNCT
fsr-4128	221	16	and	and	CCONJ
fsr-4128	221	17	less	less	ADV
fsr-4128	221	18	reliant	reliant	ADJ
fsr-4128	221	19	on	on	ADP
fsr-4128	221	20	commission	commission	NOUN
fsr-4128	221	21	-	-	PUNCT
fsr-4128	221	22	based	base	VERB
fsr-4128	221	23	remuneration	remuneration	NOUN
fsr-4128	221	24	,	,	PUNCT
fsr-4128	221	25	while	while	SCONJ
fsr-4128	221	26	advisor	advisor	NOUN
fsr-4128	221	27	experience	experience	NOUN
fsr-4128	221	28	and	and	CCONJ
fsr-4128	221	29	education	education	NOUN
fsr-4128	221	30	had	have	VERB
fsr-4128	221	31	no	no	DET
fsr-4128	221	32	significant	significant	ADJ
fsr-4128	221	33	effect	effect	NOUN
fsr-4128	221	34	.	.	PUNCT
fsr-4128	222	1	while	while	SCONJ
fsr-4128	222	2	also	also	ADV
fsr-4128	222	3	not	not	PART
fsr-4128	222	4	significant	significant	ADJ
fsr-4128	222	5	in	in	ADP
fsr-4128	222	6	the	the	DET
fsr-4128	222	7	survey	survey	NOUN
fsr-4128	222	8	and	and	CCONJ
fsr-4128	222	9	interview	interview	NOUN
fsr-4128	222	10	responses	response	NOUN
fsr-4128	222	11	of	of	ADP
fsr-4128	222	12	advisors	advisor	NOUN
fsr-4128	222	13	reported	report	VERB
fsr-4128	222	14	in	in	ADP
fsr-4128	222	15	loy	loy	PROPN
fsr-4128	222	16	et	et	PROPN
fsr-4128	222	17	al	al	PROPN
fsr-4128	222	18	.	.	PROPN
fsr-4128	223	1	(	(	PUNCT
fsr-4128	223	2	2023	2023	NUM
fsr-4128	223	3	)	)	PUNCT
fsr-4128	223	4	,	,	PUNCT
fsr-4128	223	5	likert	likert	ADJ
fsr-4128	223	6	-	-	PUNCT
fsr-4128	223	7	scale	scale	NOUN
fsr-4128	223	8	results	result	NOUN
fsr-4128	223	9	indicated	indicate	VERB
fsr-4128	223	10	that	that	SCONJ
fsr-4128	223	11	increases	increase	NOUN
fsr-4128	223	12	in	in	ADP
fsr-4128	223	13	education	education	NOUN
fsr-4128	223	14	levels	level	NOUN
fsr-4128	223	15	and	and	CCONJ
fsr-4128	223	16	continuing	continue	VERB
fsr-4128	223	17	education	education	NOUN
fsr-4128	223	18	requirements	requirement	NOUN
fsr-4128	223	19	were	be	AUX
fsr-4128	223	20	perceived	perceive	VERB
fsr-4128	223	21	by	by	ADP
fsr-4128	223	22	financial	financial	ADJ
fsr-4128	223	23	services	service	NOUN
fsr-4128	223	24	review	review	NOUN
fsr-4128	223	25	,	,	PUNCT
fsr-4128	223	26	33(4	33(4	NUM
fsr-4128	223	27	)	)	PUNCT
fsr-4128	223	28	144	144	NUM
fsr-4128	223	29	advisors	advisor	NOUN
fsr-4128	223	30	as	as	ADP
fsr-4128	223	31	having	have	VERB
fsr-4128	223	32	a	a	DET
fsr-4128	223	33	moderately	moderately	ADV
fsr-4128	223	34	positive	positive	ADJ
fsr-4128	223	35	impact	impact	NOUN
fsr-4128	223	36	on	on	ADP
fsr-4128	223	37	their	their	PRON
fsr-4128	223	38	ability	ability	NOUN
fsr-4128	223	39	to	to	PART
fsr-4128	223	40	deliver	deliver	VERB
fsr-4128	223	41	value	value	NOUN
fsr-4128	223	42	to	to	ADP
fsr-4128	223	43	clients	client	NOUN
fsr-4128	223	44	.	.	PUNCT
fsr-4128	224	1	participants	participant	NOUN
fsr-4128	224	2	believed	believe	VERB
fsr-4128	224	3	these	these	DET
fsr-4128	224	4	benefits	benefit	NOUN
fsr-4128	224	5	would	would	AUX
fsr-4128	224	6	become	become	VERB
fsr-4128	224	7	more	more	ADV
fsr-4128	224	8	pronounced	pronounced	ADJ
fsr-4128	224	9	over	over	ADP
fsr-4128	224	10	time	time	NOUN
fsr-4128	224	11	,	,	PUNCT
fsr-4128	224	12	as	as	SCONJ
fsr-4128	224	13	the	the	DET
fsr-4128	224	14	profession	profession	NOUN
fsr-4128	224	15	adjusts	adjust	VERB
fsr-4128	224	16	to	to	ADP
fsr-4128	224	17	regulatory	regulatory	ADJ
fsr-4128	224	18	changes	change	NOUN
fsr-4128	224	19	.	.	PUNCT
fsr-4128	225	1	this	this	PRON
fsr-4128	225	2	suggests	suggest	VERB
fsr-4128	225	3	a	a	DET
fsr-4128	225	4	divergence	divergence	NOUN
fsr-4128	225	5	between	between	ADP
fsr-4128	225	6	empirical	empirical	ADJ
fsr-4128	225	7	measures	measure	NOUN
fsr-4128	225	8	of	of	ADP
fsr-4128	225	9	advice	advice	NOUN
fsr-4128	225	10	quality	quality	NOUN
fsr-4128	225	11	and	and	CCONJ
fsr-4128	225	12	advisors	advisor	NOUN
fsr-4128	225	13	’	'	PUNCT
fsr-4128	225	14	perceptions	perception	NOUN
fsr-4128	225	15	,	,	PUNCT
fsr-4128	225	16	highlighting	highlight	VERB
fsr-4128	225	17	the	the	DET
fsr-4128	225	18	need	need	NOUN
fsr-4128	225	19	for	for	ADP
fsr-4128	225	20	further	further	ADJ
fsr-4128	225	21	research	research	NOUN
fsr-4128	225	22	into	into	ADP
fsr-4128	225	23	how	how	SCONJ
fsr-4128	225	24	professional	professional	ADJ
fsr-4128	225	25	standards	standard	NOUN
fsr-4128	225	26	translate	translate	VERB
fsr-4128	225	27	into	into	ADP
fsr-4128	225	28	client	client	NOUN
fsr-4128	225	29	outcomes	outcome	NOUN
fsr-4128	225	30	.	.	PUNCT
fsr-4128	226	1	importantly	importantly	ADV
fsr-4128	226	2	,	,	PUNCT
fsr-4128	226	3	loy	loy	PROPN
fsr-4128	226	4	et	et	PROPN
fsr-4128	226	5	al	al	PROPN
fsr-4128	226	6	.	.	PROPN
fsr-4128	226	7	(	(	PUNCT
fsr-4128	226	8	2023	2023	NUM
fsr-4128	226	9	)	)	PUNCT
fsr-4128	226	10	also	also	ADV
fsr-4128	226	11	examined	examine	VERB
fsr-4128	226	12	education	education	NOUN
fsr-4128	226	13	and	and	CCONJ
fsr-4128	226	14	experience	experience	NOUN
fsr-4128	226	15	as	as	ADP
fsr-4128	226	16	moderating	moderate	VERB
fsr-4128	226	17	factors	factor	NOUN
fsr-4128	226	18	in	in	ADP
fsr-4128	226	19	advisor	advisor	NOUN
fsr-4128	226	20	behavior	behavior	NOUN
fsr-4128	226	21	within	within	ADP
fsr-4128	226	22	the	the	DET
fsr-4128	226	23	client	client	NOUN
fsr-4128	226	24	-	-	PUNCT
fsr-4128	226	25	professional	professional	NOUN
fsr-4128	226	26	relationship	relationship	NOUN
fsr-4128	226	27	,	,	PUNCT
fsr-4128	226	28	providing	provide	VERB
fsr-4128	226	29	a	a	DET
fsr-4128	226	30	foundation	foundation	NOUN
fsr-4128	226	31	for	for	ADP
fsr-4128	226	32	exploring	explore	VERB
fsr-4128	226	33	how	how	SCONJ
fsr-4128	226	34	individual	individual	ADJ
fsr-4128	226	35	advisor	advisor	NOUN
fsr-4128	226	36	characteristics	characteristic	NOUN
fsr-4128	226	37	influence	influence	VERB
fsr-4128	226	38	the	the	DET
fsr-4128	226	39	delivery	delivery	NOUN
fsr-4128	226	40	and	and	CCONJ
fsr-4128	226	41	perception	perception	NOUN
fsr-4128	226	42	of	of	ADP
fsr-4128	226	43	advice	advice	NOUN
fsr-4128	226	44	quality	quality	NOUN
fsr-4128	226	45	and	and	CCONJ
fsr-4128	226	46	shape	shape	NOUN
fsr-4128	226	47	client	client	NOUN
fsr-4128	226	48	outcomes	outcome	NOUN
fsr-4128	226	49	.	.	PUNCT
fsr-4128	227	1	moderating	moderate	VERB
fsr-4128	227	2	factors	factor	NOUN
fsr-4128	227	3	as	as	SCONJ
fsr-4128	227	4	outlined	outline	VERB
fsr-4128	227	5	in	in	ADP
fsr-4128	227	6	the	the	DET
fsr-4128	227	7	results	result	NOUN
fsr-4128	227	8	section	section	NOUN
fsr-4128	227	9	,	,	PUNCT
fsr-4128	227	10	determining	determine	VERB
fsr-4128	227	11	the	the	DET
fsr-4128	227	12	value	value	NOUN
fsr-4128	227	13	of	of	ADP
fsr-4128	227	14	advice	advice	NOUN
fsr-4128	227	15	is	be	AUX
fsr-4128	227	16	complicated	complicate	VERB
fsr-4128	227	17	by	by	ADP
fsr-4128	227	18	the	the	DET
fsr-4128	227	19	heterogeneity	heterogeneity	NOUN
fsr-4128	227	20	of	of	ADP
fsr-4128	227	21	investor	investor	NOUN
fsr-4128	227	22	circumstances	circumstance	NOUN
fsr-4128	227	23	.	.	PUNCT
fsr-4128	228	1	similarly	similarly	ADV
fsr-4128	228	2	,	,	PUNCT
fsr-4128	228	3	advisor	advisor	NOUN
fsr-4128	228	4	factors	factor	NOUN
fsr-4128	228	5	,	,	PUNCT
fsr-4128	228	6	such	such	ADJ
fsr-4128	228	7	as	as	ADP
fsr-4128	228	8	an	an	DET
fsr-4128	228	9	advisor	advisor	NOUN
fsr-4128	228	10	’s	’s	PART
fsr-4128	228	11	education	education	NOUN
fsr-4128	228	12	,	,	PUNCT
fsr-4128	228	13	experience	experience	NOUN
fsr-4128	228	14	,	,	PUNCT
fsr-4128	228	15	or	or	CCONJ
fsr-4128	228	16	conflicts	conflict	NOUN
fsr-4128	228	17	of	of	ADP
fsr-4128	228	18	interest	interest	NOUN
fsr-4128	228	19	,	,	PUNCT
fsr-4128	228	20	and	and	CCONJ
fsr-4128	228	21	environmental	environmental	ADJ
fsr-4128	228	22	factors	factor	NOUN
fsr-4128	228	23	,	,	PUNCT
fsr-4128	228	24	including	include	VERB
fsr-4128	228	25	the	the	DET
fsr-4128	228	26	business	business	NOUN
fsr-4128	228	27	model	model	NOUN
fsr-4128	228	28	(	(	PUNCT
fsr-4128	228	29	e.g.	e.g.	ADV
fsr-4128	228	30	,	,	PUNCT
fsr-4128	228	31	advice	advice	NOUN
fsr-4128	228	32	delivery	delivery	NOUN
fsr-4128	228	33	via	via	ADP
fsr-4128	228	34	faceto	faceto	NOUN
fsr-4128	228	35	-	-	PUNCT
fsr-4128	228	36	face	face	NOUN
fsr-4128	228	37	,	,	PUNCT
fsr-4128	228	38	robo	robo	NOUN
fsr-4128	228	39	-	-	PUNCT
fsr-4128	228	40	advice	advice	NOUN
fsr-4128	228	41	,	,	PUNCT
fsr-4128	228	42	video	video	NOUN
fsr-4128	228	43	conferencing	conferencing	NOUN
fsr-4128	228	44	,	,	PUNCT
fsr-4128	228	45	telephone	telephone	NOUN
fsr-4128	228	46	etc	etc	X
fsr-4128	228	47	.	.	X
fsr-4128	228	48	)	)	PUNCT
fsr-4128	228	49	,	,	PUNCT
fsr-4128	228	50	financial	financial	ADJ
fsr-4128	228	51	markets	market	NOUN
fsr-4128	228	52	and	and	CCONJ
fsr-4128	228	53	the	the	DET
fsr-4128	228	54	regulatory	regulatory	ADJ
fsr-4128	228	55	or	or	CCONJ
fsr-4128	228	56	cultural	cultural	ADJ
fsr-4128	228	57	environment	environment	NOUN
fsr-4128	228	58	,	,	PUNCT
fsr-4128	228	59	interact	interact	VERB
fsr-4128	228	60	with	with	ADP
fsr-4128	228	61	client	client	NOUN
fsr-4128	228	62	factors	factor	NOUN
fsr-4128	228	63	and	and	CCONJ
fsr-4128	228	64	the	the	DET
fsr-4128	228	65	client	client	NOUN
fsr-4128	228	66	-	-	PUNCT
fsr-4128	228	67	advisor	advisor	NOUN
fsr-4128	228	68	relationship	relationship	NOUN
fsr-4128	228	69	,	,	PUNCT
fsr-4128	228	70	influencing	influence	VERB
fsr-4128	228	71	value	value	NOUN
fsr-4128	228	72	through	through	ADP
fsr-4128	228	73	the	the	DET
fsr-4128	228	74	quality	quality	NOUN
fsr-4128	228	75	of	of	ADP
fsr-4128	228	76	advice	advice	NOUN
fsr-4128	228	77	and	and	CCONJ
fsr-4128	228	78	client	client	NOUN
fsr-4128	228	79	outcomes	outcome	NOUN
fsr-4128	228	80	.	.	PUNCT
fsr-4128	229	1	for	for	ADP
fsr-4128	229	2	example	example	NOUN
fsr-4128	229	3	,	,	PUNCT
fsr-4128	229	4	the	the	DET
fsr-4128	229	5	impact	impact	NOUN
fsr-4128	229	6	of	of	ADP
fsr-4128	229	7	new	new	ADJ
fsr-4128	229	8	products	product	NOUN
fsr-4128	229	9	in	in	ADP
fsr-4128	229	10	financial	financial	ADJ
fsr-4128	229	11	markets	market	NOUN
fsr-4128	229	12	and	and	CCONJ
fsr-4128	229	13	the	the	DET
fsr-4128	229	14	state	state	NOUN
fsr-4128	229	15	of	of	ADP
fsr-4128	229	16	the	the	DET
fsr-4128	229	17	markets	market	NOUN
fsr-4128	229	18	,	,	PUNCT
fsr-4128	229	19	the	the	DET
fsr-4128	229	20	impact	impact	NOUN
fsr-4128	229	21	of	of	ADP
fsr-4128	229	22	regulation	regulation	NOUN
fsr-4128	229	23	on	on	ADP
fsr-4128	229	24	administrative	administrative	ADJ
fsr-4128	229	25	burden	burden	NOUN
fsr-4128	229	26	,	,	PUNCT
fsr-4128	229	27	time	time	NOUN
fsr-4128	229	28	and	and	CCONJ
fsr-4128	229	29	cost	cost	NOUN
fsr-4128	229	30	of	of	ADP
fsr-4128	229	31	advice	advice	NOUN
fsr-4128	229	32	leading	lead	VERB
fsr-4128	229	33	to	to	ADP
fsr-4128	229	34	stakeholders	stakeholder	NOUN
fsr-4128	229	35	’	'	PUNCT
fsr-4128	229	36	concerns	concern	NOUN
fsr-4128	229	37	about	about	ADP
fsr-4128	229	38	the	the	DET
fsr-4128	229	39	accessibility	accessibility	NOUN
fsr-4128	229	40	of	of	ADP
fsr-4128	229	41	advice	advice	NOUN
fsr-4128	229	42	and	and	CCONJ
fsr-4128	229	43	value	value	NOUN
fsr-4128	229	44	for	for	ADP
fsr-4128	229	45	money	money	NOUN
fsr-4128	229	46	,	,	PUNCT
fsr-4128	229	47	and	and	CCONJ
fsr-4128	229	48	government	government	NOUN
fsr-4128	229	49	,	,	PUNCT
fsr-4128	229	50	regulator	regulator	NOUN
fsr-4128	229	51	and	and	CCONJ
fsr-4128	229	52	professional	professional	ADJ
fsr-4128	229	53	body	body	NOUN
fsr-4128	229	54	interactions	interaction	NOUN
fsr-4128	229	55	over	over	ADP
fsr-4128	229	56	professional	professional	ADJ
fsr-4128	229	57	and	and	CCONJ
fsr-4128	229	58	education	education	NOUN
fsr-4128	229	59	standards	standard	NOUN
fsr-4128	229	60	,	,	PUNCT
fsr-4128	229	61	are	be	AUX
fsr-4128	229	62	all	all	PRON
fsr-4128	229	63	designed	design	VERB
fsr-4128	229	64	to	to	PART
fsr-4128	229	65	increase	increase	VERB
fsr-4128	229	66	capability	capability	NOUN
fsr-4128	229	67	to	to	PART
fsr-4128	229	68	deliver	deliver	VERB
fsr-4128	229	69	quality	quality	NOUN
fsr-4128	229	70	advice	advice	NOUN
fsr-4128	229	71	to	to	PART
fsr-4128	229	72	add	add	VERB
fsr-4128	229	73	value	value	NOUN
fsr-4128	229	74	for	for	ADP
fsr-4128	229	75	clients	client	NOUN
fsr-4128	229	76	and	and	CCONJ
fsr-4128	229	77	protect	protect	VERB
fsr-4128	229	78	them	they	PRON
fsr-4128	229	79	from	from	ADP
fsr-4128	229	80	harm	harm	NOUN
fsr-4128	229	81	(	(	PUNCT
fsr-4128	229	82	e.g.	e.g.	ADV
fsr-4128	229	83	,	,	PUNCT
fsr-4128	229	84	asic	asic	NOUN
fsr-4128	229	85	,	,	PUNCT
fsr-4128	229	86	2019	2019	NUM
fsr-4128	229	87	;	;	PUNCT
fsr-4128	229	88	loy	loy	PROPN
fsr-4128	229	89	et	et	PROPN
fsr-4128	229	90	al	al	PROPN
fsr-4128	229	91	.	.	PROPN
fsr-4128	229	92	,	,	PUNCT
fsr-4128	229	93	2021	2021	NUM
fsr-4128	229	94	,	,	PUNCT
fsr-4128	229	95	2023	2023	NUM
fsr-4128	229	96	)	)	PUNCT
fsr-4128	229	97	.	.	PUNCT
fsr-4128	230	1	consideration	consideration	NOUN
fsr-4128	230	2	of	of	ADP
fsr-4128	230	3	these	these	DET
fsr-4128	230	4	moderating	moderate	VERB
fsr-4128	230	5	factors	factor	NOUN
fsr-4128	230	6	,	,	PUNCT
fsr-4128	230	7	along	along	ADP
fsr-4128	230	8	with	with	ADP
fsr-4128	230	9	how	how	SCONJ
fsr-4128	230	10	value	value	NOUN
fsr-4128	230	11	is	be	AUX
fsr-4128	230	12	conceptualized	conceptualize	VERB
fsr-4128	230	13	,	,	PUNCT
fsr-4128	230	14	is	be	AUX
fsr-4128	230	15	therefore	therefore	ADV
fsr-4128	230	16	vital	vital	ADJ
fsr-4128	230	17	for	for	ADP
fsr-4128	230	18	a	a	DET
fsr-4128	230	19	holistic	holistic	ADJ
fsr-4128	230	20	understanding	understanding	NOUN
fsr-4128	230	21	of	of	ADP
fsr-4128	230	22	the	the	DET
fsr-4128	230	23	value	value	NOUN
fsr-4128	230	24	of	of	ADP
fsr-4128	230	25	financial	financial	ADJ
fsr-4128	230	26	advice	advice	NOUN
fsr-4128	230	27	(	(	PUNCT
fsr-4128	230	28	macdonald	macdonald	PROPN
fsr-4128	230	29	et	et	PROPN
fsr-4128	230	30	al	al	PROPN
fsr-4128	230	31	.	.	PROPN
fsr-4128	230	32	,	,	PUNCT
fsr-4128	230	33	2023	2023	NUM
fsr-4128	230	34	)	)	PUNCT
fsr-4128	230	35	.	.	PUNCT
fsr-4128	231	1	an	an	DET
fsr-4128	231	2	important	important	ADJ
fsr-4128	231	3	dimension	dimension	NOUN
fsr-4128	231	4	of	of	ADP
fsr-4128	231	5	advisor	advisor	NOUN
fsr-4128	231	6	factors	factor	NOUN
fsr-4128	231	7	is	be	AUX
fsr-4128	231	8	the	the	DET
fsr-4128	231	9	set	set	NOUN
fsr-4128	231	10	of	of	ADP
fsr-4128	231	11	actions	action	NOUN
fsr-4128	231	12	advisors	advisor	NOUN
fsr-4128	231	13	undertake	undertake	VERB
fsr-4128	231	14	throughout	throughout	ADP
fsr-4128	231	15	the	the	DET
fsr-4128	231	16	financial	financial	ADJ
fsr-4128	231	17	planning	planning	NOUN
fsr-4128	231	18	process	process	NOUN
fsr-4128	231	19	.	.	PUNCT
fsr-4128	232	1	conceptualizing	conceptualize	VERB
fsr-4128	232	2	value	value	NOUN
fsr-4128	232	3	as	as	ADP
fsr-4128	232	4	an	an	DET
fsr-4128	232	5	evaluation	evaluation	NOUN
fsr-4128	232	6	of	of	ADP
fsr-4128	232	7	actions	action	NOUN
fsr-4128	232	8	rather	rather	ADV
fsr-4128	232	9	than	than	ADP
fsr-4128	232	10	of	of	ADP
fsr-4128	232	11	products	product	NOUN
fsr-4128	232	12	or	or	CCONJ
fsr-4128	232	13	“	"	PUNCT
fsr-4128	232	14	things	thing	NOUN
fsr-4128	232	15	”	"	PUNCT
fsr-4128	232	16	(	(	PUNCT
fsr-4128	232	17	graeber	graeber	NOUN
fsr-4128	232	18	,	,	PUNCT
fsr-4128	232	19	2001	2001	NUM
fsr-4128	232	20	)	)	PUNCT
fsr-4128	232	21	is	be	AUX
fsr-4128	232	22	particularly	particularly	ADV
fsr-4128	232	23	relevant	relevant	ADJ
fsr-4128	232	24	in	in	ADP
fsr-4128	232	25	financial	financial	ADJ
fsr-4128	232	26	advice	advice	NOUN
fsr-4128	232	27	,	,	PUNCT
fsr-4128	232	28	where	where	SCONJ
fsr-4128	232	29	advisors	advisor	NOUN
fsr-4128	232	30	engage	engage	VERB
fsr-4128	232	31	in	in	ADP
fsr-4128	232	32	diagnosing	diagnose	VERB
fsr-4128	232	33	client	client	NOUN
fsr-4128	232	34	needs	need	NOUN
fsr-4128	232	35	,	,	PUNCT
fsr-4128	232	36	setting	set	VERB
fsr-4128	232	37	goals	goal	NOUN
fsr-4128	232	38	,	,	PUNCT
fsr-4128	232	39	formulating	formulate	VERB
fsr-4128	232	40	strategies	strategy	NOUN
fsr-4128	232	41	,	,	PUNCT
fsr-4128	232	42	implementing	implement	VERB
fsr-4128	232	43	plans	plan	NOUN
fsr-4128	232	44	and	and	CCONJ
fsr-4128	232	45	monitoring	monitor	VERB
fsr-4128	232	46	and	and	CCONJ
fsr-4128	232	47	adjusting	adjust	VERB
fsr-4128	232	48	those	those	DET
fsr-4128	232	49	plans	plan	NOUN
fsr-4128	232	50	over	over	ADP
fsr-4128	232	51	time	time	NOUN
fsr-4128	232	52	.	.	PUNCT
fsr-4128	233	1	these	these	DET
fsr-4128	233	2	actions	action	NOUN
fsr-4128	233	3	represent	represent	VERB
fsr-4128	233	4	the	the	DET
fsr-4128	233	5	core	core	NOUN
fsr-4128	233	6	of	of	ADP
fsr-4128	233	7	professional	professional	ADJ
fsr-4128	233	8	service	service	NOUN
fsr-4128	233	9	delivery	delivery	NOUN
fsr-4128	233	10	and	and	CCONJ
fsr-4128	233	11	are	be	AUX
fsr-4128	233	12	distinct	distinct	ADJ
fsr-4128	233	13	from	from	ADP
fsr-4128	233	14	the	the	DET
fsr-4128	233	15	outcomes	outcome	NOUN
fsr-4128	233	16	clients	client	NOUN
fsr-4128	233	17	may	may	AUX
fsr-4128	233	18	experience	experience	VERB
fsr-4128	233	19	.	.	PUNCT
fsr-4128	234	1	it	it	PRON
fsr-4128	234	2	is	be	AUX
fsr-4128	234	3	critical	critical	ADJ
fsr-4128	234	4	to	to	PART
fsr-4128	234	5	differentiate	differentiate	VERB
fsr-4128	234	6	between	between	ADP
fsr-4128	234	7	advisor	advisor	NOUN
fsr-4128	234	8	actions	action	NOUN
fsr-4128	234	9	and	and	CCONJ
fsr-4128	234	10	client	client	NOUN
fsr-4128	234	11	outcomes	outcome	NOUN
fsr-4128	234	12	,	,	PUNCT
fsr-4128	234	13	as	as	SCONJ
fsr-4128	234	14	the	the	DET
fsr-4128	234	15	latter	latter	ADJ
fsr-4128	234	16	are	be	AUX
fsr-4128	234	17	often	often	ADV
fsr-4128	234	18	shaped	shape	VERB
fsr-4128	234	19	by	by	ADP
fsr-4128	234	20	factors	factor	NOUN
fsr-4128	234	21	beyond	beyond	ADP
fsr-4128	234	22	the	the	DET
fsr-4128	234	23	advisor	advisor	NOUN
fsr-4128	234	24	’s	’s	PART
fsr-4128	234	25	control	control	NOUN
fsr-4128	234	26	.	.	PUNCT
fsr-4128	235	1	for	for	ADP
fsr-4128	235	2	example	example	NOUN
fsr-4128	235	3	,	,	PUNCT
fsr-4128	235	4	wealth	wealth	NOUN
fsr-4128	235	5	accumulation	accumulation	NOUN
fsr-4128	235	6	and	and	CCONJ
fsr-4128	235	7	investment	investment	NOUN
fsr-4128	235	8	returns	return	NOUN
fsr-4128	235	9	depend	depend	VERB
fsr-4128	235	10	heavily	heavily	ADV
fsr-4128	235	11	on	on	ADP
fsr-4128	235	12	the	the	DET
fsr-4128	235	13	client	client	NOUN
fsr-4128	235	14	’s	’s	PART
fsr-4128	235	15	investment	investment	NOUN
fsr-4128	235	16	horizon	horizon	NOUN
fsr-4128	235	17	,	,	PUNCT
fsr-4128	235	18	risk	risk	NOUN
fsr-4128	235	19	tolerance	tolerance	NOUN
fsr-4128	235	20	,	,	PUNCT
fsr-4128	235	21	and	and	CCONJ
fsr-4128	235	22	external	external	ADJ
fsr-4128	235	23	constraints	constraint	NOUN
fsr-4128	235	24	.	.	PUNCT
fsr-4128	236	1	as	as	SCONJ
fsr-4128	236	2	such	such	ADJ
fsr-4128	236	3	,	,	PUNCT
fsr-4128	236	4	financial	financial	ADJ
fsr-4128	236	5	outcomes	outcome	NOUN
fsr-4128	236	6	alone	alone	ADV
fsr-4128	236	7	may	may	AUX
fsr-4128	236	8	not	not	PART
fsr-4128	236	9	consistently	consistently	ADV
fsr-4128	236	10	reflect	reflect	VERB
fsr-4128	236	11	the	the	DET
fsr-4128	236	12	value	value	NOUN
fsr-4128	236	13	of	of	ADP
fsr-4128	236	14	advice	advice	NOUN
fsr-4128	236	15	(	(	PUNCT
fsr-4128	236	16	marsden	marsden	PROPN
fsr-4128	236	17	et	et	PROPN
fsr-4128	236	18	al	al	PROPN
fsr-4128	236	19	.	.	PROPN
fsr-4128	236	20	,	,	PUNCT
fsr-4128	236	21	2011	2011	NUM
fsr-4128	236	22	)	)	PUNCT
fsr-4128	236	23	.	.	PUNCT
fsr-4128	237	1	instead	instead	ADV
fsr-4128	237	2	,	,	PUNCT
fsr-4128	237	3	value	value	NOUN
fsr-4128	237	4	may	may	AUX
fsr-4128	237	5	more	more	ADV
fsr-4128	237	6	reliably	reliably	ADV
fsr-4128	237	7	be	be	AUX
fsr-4128	237	8	found	find	VERB
fsr-4128	237	9	in	in	ADP
fsr-4128	237	10	the	the	DET
fsr-4128	237	11	advisor	advisor	NOUN
fsr-4128	237	12	’s	’s	PART
fsr-4128	237	13	behavioral	behavioral	ADJ
fsr-4128	237	14	coaching	coaching	NOUN
fsr-4128	237	15	and	and	CCONJ
fsr-4128	237	16	expert	expert	NOUN
fsr-4128	237	17	guidance	guidance	NOUN
fsr-4128	237	18	,	,	PUNCT
fsr-4128	237	19	which	which	PRON
fsr-4128	237	20	helps	help	VERB
fsr-4128	237	21	clients	client	NOUN
fsr-4128	237	22	stay	stay	VERB
fsr-4128	237	23	disciplined	disciplined	ADJ
fsr-4128	237	24	and	and	CCONJ
fsr-4128	237	25	emotionally	emotionally	ADV
fsr-4128	237	26	grounded	ground	VERB
fsr-4128	237	27	,	,	PUNCT
fsr-4128	237	28	particularly	particularly	ADV
fsr-4128	237	29	during	during	ADP
fsr-4128	237	30	market	market	NOUN
fsr-4128	237	31	volatility	volatility	NOUN
fsr-4128	237	32	(	(	PUNCT
fsr-4128	237	33	loy	loy	PROPN
fsr-4128	237	34	et	et	PROPN
fsr-4128	237	35	al	al	PROPN
fsr-4128	237	36	.	.	PROPN
fsr-4128	237	37	,	,	PUNCT
fsr-4128	237	38	2023	2023	NUM
fsr-4128	237	39	;	;	PUNCT
fsr-4128	237	40	pagliaro	pagliaro	NOUN
fsr-4128	237	41	&	&	CCONJ
fsr-4128	237	42	utkus	utkus	PROPN
fsr-4128	237	43	,	,	PUNCT
fsr-4128	237	44	2019	2019	NUM
fsr-4128	237	45	)	)	PUNCT
fsr-4128	237	46	.	.	PUNCT
fsr-4128	238	1	despite	despite	SCONJ
fsr-4128	238	2	this	this	PRON
fsr-4128	238	3	,	,	PUNCT
fsr-4128	238	4	loy	loy	PROPN
fsr-4128	238	5	et	et	PROPN
fsr-4128	238	6	al	al	PROPN
fsr-4128	238	7	.	.	PROPN
fsr-4128	239	1	(	(	PUNCT
fsr-4128	239	2	2023	2023	NUM
fsr-4128	239	3	)	)	PUNCT
fsr-4128	239	4	found	find	VERB
fsr-4128	239	5	that	that	SCONJ
fsr-4128	239	6	advisors	advisor	NOUN
fsr-4128	239	7	rated	rate	VERB
fsr-4128	239	8	behavioral	behavioral	ADJ
fsr-4128	239	9	coaching	coaching	NOUN
fsr-4128	239	10	as	as	ADP
fsr-4128	239	11	the	the	DET
fsr-4128	239	12	least	least	ADV
fsr-4128	239	13	beneficial	beneficial	ADJ
fsr-4128	239	14	financial	financial	ADJ
fsr-4128	239	15	service	service	NOUN
fsr-4128	239	16	they	they	PRON
fsr-4128	239	17	provided	provide	VERB
fsr-4128	239	18	,	,	PUNCT
fsr-4128	239	19	even	even	ADV
fsr-4128	239	20	though	though	SCONJ
fsr-4128	239	21	open	open	ADJ
fsr-4128	239	22	-	-	PUNCT
fsr-4128	239	23	ended	end	VERB
fsr-4128	239	24	responses	response	NOUN
fsr-4128	239	25	revealed	reveal	VERB
fsr-4128	239	26	its	its	PRON
fsr-4128	239	27	importance	importance	NOUN
fsr-4128	239	28	in	in	ADP
fsr-4128	239	29	boosting	boost	VERB
fsr-4128	239	30	client	client	NOUN
fsr-4128	239	31	confidence	confidence	NOUN
fsr-4128	239	32	and	and	CCONJ
fsr-4128	239	33	contributing	contribute	VERB
fsr-4128	239	34	to	to	ADP
fsr-4128	239	35	both	both	CCONJ
fsr-4128	239	36	financial	financial	ADJ
fsr-4128	239	37	and	and	CCONJ
fsr-4128	239	38	mental	mental	ADJ
fsr-4128	239	39	wellbeing	wellbeing	NOUN
fsr-4128	239	40	.	.	PUNCT
fsr-4128	240	1	client	client	NOUN
fsr-4128	240	2	outcomes	outcome	NOUN
fsr-4128	240	3	are	be	AUX
fsr-4128	240	4	also	also	ADV
fsr-4128	240	5	shaped	shape	VERB
fsr-4128	240	6	by	by	ADP
fsr-4128	240	7	client	client	NOUN
fsr-4128	240	8	characteristics	characteristic	NOUN
fsr-4128	240	9	,	,	PUNCT
fsr-4128	240	10	including	include	VERB
fsr-4128	240	11	psychological	psychological	ADJ
fsr-4128	240	12	and	and	CCONJ
fsr-4128	240	13	emotional	emotional	ADJ
fsr-4128	240	14	factors	factor	NOUN
fsr-4128	240	15	.	.	PUNCT
fsr-4128	241	1	advisors	advisor	NOUN
fsr-4128	241	2	increasingly	increasingly	ADV
fsr-4128	241	3	recognize	recognize	VERB
fsr-4128	241	4	their	their	PRON
fsr-4128	241	5	dual	dual	ADJ
fsr-4128	241	6	role	role	NOUN
fsr-4128	241	7	as	as	ADP
fsr-4128	241	8	both	both	PRON
fsr-4128	241	9	technical	technical	ADJ
fsr-4128	241	10	experts	expert	NOUN
fsr-4128	241	11	and	and	CCONJ
fsr-4128	241	12	informal	informal	ADJ
fsr-4128	241	13	counsellors	counsellor	NOUN
fsr-4128	241	14	,	,	PUNCT
fsr-4128	241	15	even	even	ADV
fsr-4128	241	16	though	though	SCONJ
fsr-4128	241	17	they	they	PRON
fsr-4128	241	18	may	may	AUX
fsr-4128	241	19	lack	lack	VERB
fsr-4128	241	20	formal	formal	ADJ
fsr-4128	241	21	training	training	NOUN
fsr-4128	241	22	in	in	ADP
fsr-4128	241	23	the	the	DET
fsr-4128	241	24	latter	latter	ADJ
fsr-4128	241	25	(	(	PUNCT
fsr-4128	241	26	anthes	anthe	NOUN
fsr-4128	241	27	&	&	CCONJ
fsr-4128	241	28	lee	lee	PROPN
fsr-4128	241	29	,	,	PUNCT
fsr-4128	241	30	2002	2002	NUM
fsr-4128	241	31	;	;	PUNCT
fsr-4128	241	32	loy	loy	PROPN
fsr-4128	241	33	et	et	PROPN
fsr-4128	241	34	al	al	PROPN
fsr-4128	241	35	.	.	PROPN
fsr-4128	241	36	,	,	PUNCT
fsr-4128	241	37	2021	2021	NUM
fsr-4128	241	38	)	)	PUNCT
fsr-4128	241	39	.	.	PUNCT
fsr-4128	242	1	financial	financial	ADJ
fsr-4128	242	2	psychology	psychology	NOUN
fsr-4128	242	3	research	research	NOUN
fsr-4128	242	4	suggests	suggest	VERB
fsr-4128	242	5	that	that	SCONJ
fsr-4128	242	6	advisors	advisor	NOUN
fsr-4128	242	7	who	who	PRON
fsr-4128	242	8	can	can	AUX
fsr-4128	242	9	adapt	adapt	VERB
fsr-4128	242	10	their	their	PRON
fsr-4128	242	11	style	style	NOUN
fsr-4128	242	12	to	to	PART
fsr-4128	242	13	accommodate	accommodate	VERB
fsr-4128	242	14	clients	client	NOUN
fsr-4128	242	15	’	'	PUNCT
fsr-4128	242	16	emotional	emotional	ADJ
fsr-4128	242	17	needs	need	NOUN
fsr-4128	242	18	are	be	AUX
fsr-4128	242	19	more	more	ADV
fsr-4128	242	20	likely	likely	ADJ
fsr-4128	242	21	to	to	PART
fsr-4128	242	22	build	build	VERB
fsr-4128	242	23	trust	trust	NOUN
fsr-4128	242	24	and	and	CCONJ
fsr-4128	242	25	foster	foster	ADJ
fsr-4128	242	26	meaningful	meaningful	ADJ
fsr-4128	242	27	relationships	relationship	NOUN
fsr-4128	242	28	(	(	PUNCT
fsr-4128	242	29	anthes	anthe	NOUN
fsr-4128	242	30	and	and	CCONJ
fsr-4128	242	31	lee	lee	PROPN
fsr-4128	242	32	,	,	PUNCT
fsr-4128	242	33	2002	2002	NUM
fsr-4128	242	34	)	)	PUNCT
fsr-4128	242	35	.	.	PUNCT
fsr-4128	243	1	this	this	PRON
fsr-4128	243	2	highlights	highlight	VERB
fsr-4128	243	3	the	the	DET
fsr-4128	243	4	social	social	ADJ
fsr-4128	243	5	-	-	PUNCT
fsr-4128	243	6	emotional	emotional	ADJ
fsr-4128	243	7	context	context	NOUN
fsr-4128	243	8	of	of	ADP
fsr-4128	243	9	advice	advice	NOUN
fsr-4128	243	10	,	,	PUNCT
fsr-4128	243	11	where	where	SCONJ
fsr-4128	243	12	value	value	NOUN
fsr-4128	243	13	is	be	AUX
fsr-4128	243	14	co	co	VERB
fsr-4128	243	15	-	-	VERB
fsr-4128	243	16	created	create	VERB
fsr-4128	243	17	through	through	ADP
fsr-4128	243	18	relational	relational	ADJ
fsr-4128	243	19	elements	element	NOUN
fsr-4128	243	20	such	such	ADJ
fsr-4128	243	21	as	as	ADP
fsr-4128	243	22	emotional	emotional	ADJ
fsr-4128	243	23	,	,	PUNCT
fsr-4128	243	24	social	social	ADJ
fsr-4128	243	25	,	,	PUNCT
fsr-4128	243	26	and	and	CCONJ
fsr-4128	243	27	informational	informational	ADJ
fsr-4128	243	28	support	support	NOUN
fsr-4128	243	29	,	,	PUNCT
fsr-4128	243	30	not	not	PART
fsr-4128	243	31	just	just	ADV
fsr-4128	243	32	financial	financial	ADJ
fsr-4128	243	33	expertise	expertise	NOUN
fsr-4128	243	34	.	.	PUNCT
fsr-4128	244	1	these	these	DET
fsr-4128	244	2	insights	insight	NOUN
fsr-4128	244	3	highlight	highlight	VERB
fsr-4128	244	4	the	the	DET
fsr-4128	244	5	intricate	intricate	ADJ
fsr-4128	244	6	interplay	interplay	NOUN
fsr-4128	244	7	between	between	ADP
fsr-4128	244	8	advisor	advisor	NOUN
fsr-4128	244	9	actions	action	NOUN
fsr-4128	244	10	,	,	PUNCT
fsr-4128	244	11	client	client	NOUN
fsr-4128	244	12	characteristics	characteristic	NOUN
fsr-4128	244	13	,	,	PUNCT
fsr-4128	244	14	and	and	CCONJ
fsr-4128	244	15	relational	relational	ADJ
fsr-4128	244	16	dynamics	dynamic	NOUN
fsr-4128	244	17	in	in	ADP
fsr-4128	244	18	shaping	shape	VERB
fsr-4128	244	19	perceived	perceive	VERB
fsr-4128	244	20	value	value	NOUN
fsr-4128	244	21	.	.	PUNCT
fsr-4128	245	1	this	this	DET
fsr-4128	245	2	complexity	complexity	NOUN
fsr-4128	245	3	underscores	underscore	VERB
fsr-4128	245	4	the	the	DET
fsr-4128	245	5	need	need	NOUN
fsr-4128	245	6	to	to	PART
fsr-4128	245	7	examine	examine	VERB
fsr-4128	245	8	moderating	moderating	NOUN
fsr-4128	245	9	factors	factor	NOUN
fsr-4128	245	10	such	such	ADJ
fsr-4128	245	11	as	as	ADP
fsr-4128	245	12	advisor	advisor	NOUN
fsr-4128	245	13	education	education	NOUN
fsr-4128	245	14	,	,	PUNCT
fsr-4128	245	15	experience	experience	NOUN
fsr-4128	245	16	,	,	PUNCT
fsr-4128	245	17	and	and	CCONJ
fsr-4128	245	18	adaptability	adaptability	NOUN
fsr-4128	245	19	,	,	PUNCT
fsr-4128	245	20	that	that	PRON
fsr-4128	245	21	influence	influence	VERB
fsr-4128	245	22	how	how	SCONJ
fsr-4128	245	23	advice	advice	NOUN
fsr-4128	245	24	is	be	AUX
fsr-4128	245	25	delivered	deliver	VERB
fsr-4128	245	26	and	and	CCONJ
fsr-4128	245	27	received	receive	VERB
fsr-4128	245	28	macdonald	macdonald	PROPN
fsr-4128	245	29	et	et	PROPN
fsr-4128	245	30	al	al	PROPN
fsr-4128	245	31	.	.	PROPN
fsr-4128	245	32	145	145	NUM
fsr-4128	245	33	across	across	ADP
fsr-4128	245	34	diverse	diverse	ADJ
fsr-4128	245	35	client	client	NOUN
fsr-4128	245	36	contexts	contexts	NOUN
fsr-4128	245	37	.	.	PUNCT
fsr-4128	246	1	thus	thus	ADV
fsr-4128	246	2	,	,	PUNCT
fsr-4128	246	3	the	the	DET
fsr-4128	246	4	value	value	NOUN
fsr-4128	246	5	of	of	ADP
fsr-4128	246	6	financial	financial	ADJ
fsr-4128	246	7	advice	advice	NOUN
fsr-4128	246	8	is	be	AUX
fsr-4128	246	9	multifaceted	multifaceted	ADJ
fsr-4128	246	10	,	,	PUNCT
fsr-4128	246	11	contextdependent	contextdependent	ADJ
fsr-4128	246	12	,	,	PUNCT
fsr-4128	246	13	and	and	CCONJ
fsr-4128	246	14	open	open	ADJ
fsr-4128	246	15	to	to	ADP
fsr-4128	246	16	various	various	ADJ
fsr-4128	246	17	conceptualizations	conceptualization	NOUN
fsr-4128	246	18	.	.	PUNCT
fsr-4128	247	1	tables	table	NOUN
fsr-4128	247	2	2	2	NUM
fsr-4128	247	3	and	and	CCONJ
fsr-4128	247	4	3	3	NUM
fsr-4128	247	5	serve	serve	VERB
fsr-4128	247	6	as	as	ADP
fsr-4128	247	7	exemplars	exemplar	NOUN
fsr-4128	247	8	summarizing	summarize	VERB
fsr-4128	247	9	the	the	DET
fsr-4128	247	10	findings	finding	NOUN
fsr-4128	247	11	from	from	ADP
fsr-4128	247	12	the	the	DET
fsr-4128	247	13	results	result	NOUN
fsr-4128	247	14	section	section	NOUN
fsr-4128	247	15	,	,	PUNCT
fsr-4128	247	16	addressing	address	VERB
fsr-4128	247	17	respectively	respectively	ADV
fsr-4128	247	18	:	:	PUNCT
fsr-4128	247	19	(	(	PUNCT
fsr-4128	247	20	i	i	NOUN
fsr-4128	247	21	)	)	PUNCT
fsr-4128	247	22	what	what	PRON
fsr-4128	247	23	constitutes	constitute	VERB
fsr-4128	247	24	value	value	NOUN
fsr-4128	247	25	,	,	PUNCT
fsr-4128	247	26	i.e.	i.e.	X
fsr-4128	247	27	,	,	PUNCT
fsr-4128	247	28	how	how	SCONJ
fsr-4128	247	29	it	it	PRON
fsr-4128	247	30	is	be	AUX
fsr-4128	247	31	operationalized	operationalize	VERB
fsr-4128	247	32	and	and	CCONJ
fsr-4128	247	33	measured	measure	VERB
fsr-4128	247	34	(	(	PUNCT
fsr-4128	247	35	rq1	rq1	NOUN
fsr-4128	247	36	)	)	PUNCT
fsr-4128	247	37	;	;	PUNCT
fsr-4128	247	38	and	and	CCONJ
fsr-4128	247	39	(	(	PUNCT
fsr-4128	247	40	ii	ii	NOUN
fsr-4128	247	41	)	)	PUNCT
fsr-4128	247	42	whether	whether	SCONJ
fsr-4128	247	43	value	value	NOUN
fsr-4128	247	44	is	be	AUX
fsr-4128	247	45	realized	realize	VERB
fsr-4128	247	46	(	(	PUNCT
fsr-4128	247	47	rq2	rq2	NOUN
fsr-4128	247	48	)	)	PUNCT
fsr-4128	247	49	.	.	PUNCT
fsr-4128	248	1	while	while	SCONJ
fsr-4128	248	2	this	this	DET
fsr-4128	248	3	narrative	narrative	NOUN
fsr-4128	248	4	review	review	NOUN
fsr-4128	248	5	identifies	identify	VERB
fsr-4128	248	6	individual	individual	ADJ
fsr-4128	248	7	factors	factor	NOUN
fsr-4128	248	8	that	that	PRON
fsr-4128	248	9	moderate	moderate	VERB
fsr-4128	248	10	the	the	DET
fsr-4128	248	11	value	value	NOUN
fsr-4128	248	12	of	of	ADP
fsr-4128	248	13	advice	advice	NOUN
fsr-4128	248	14	,	,	PUNCT
fsr-4128	248	15	quantifying	quantify	VERB
fsr-4128	248	16	their	their	PRON
fsr-4128	248	17	interaction	interaction	NOUN
fsr-4128	248	18	or	or	CCONJ
fsr-4128	248	19	cumulative	cumulative	ADJ
fsr-4128	248	20	impact	impact	NOUN
fsr-4128	248	21	on	on	ADP
fsr-4128	248	22	consumer	consumer	NOUN
fsr-4128	248	23	value	value	NOUN
fsr-4128	248	24	remains	remain	VERB
fsr-4128	248	25	challenging	challenge	VERB
fsr-4128	248	26	.	.	PUNCT
fsr-4128	249	1	in	in	ADP
fsr-4128	249	2	response	response	NOUN
fsr-4128	249	3	to	to	ADP
fsr-4128	249	4	this	this	DET
fsr-4128	249	5	gap	gap	NOUN
fsr-4128	249	6	,	,	PUNCT
fsr-4128	249	7	the	the	DET
fsr-4128	249	8	thematic	thematic	ADJ
fsr-4128	249	9	analysis	analysis	NOUN
fsr-4128	249	10	section	section	NOUN
fsr-4128	249	11	introduces	introduce	VERB
fsr-4128	249	12	a	a	DET
fsr-4128	249	13	conceptual	conceptual	ADJ
fsr-4128	249	14	framework	framework	NOUN
fsr-4128	249	15	to	to	PART
fsr-4128	249	16	address	address	VERB
fsr-4128	249	17	rq3	rq3	NOUN
fsr-4128	249	18	.	.	PUNCT
fsr-4128	250	1	this	this	DET
fsr-4128	250	2	framework	framework	NOUN
fsr-4128	250	3	synthesizes	synthesize	VERB
fsr-4128	250	4	existing	exist	VERB
fsr-4128	250	5	literature	literature	NOUN
fsr-4128	250	6	to	to	PART
fsr-4128	250	7	broaden	broaden	VERB
fsr-4128	250	8	and	and	CCONJ
fsr-4128	250	9	deepen	deepen	VERB
fsr-4128	250	10	understanding	understanding	NOUN
fsr-4128	250	11	of	of	ADP
fsr-4128	250	12	the	the	DET
fsr-4128	250	13	value	value	NOUN
fsr-4128	250	14	of	of	ADP
fsr-4128	250	15	financial	financial	ADJ
fsr-4128	250	16	advice	advice	NOUN
fsr-4128	250	17	and	and	CCONJ
fsr-4128	250	18	aims	aim	VERB
fsr-4128	250	19	to	to	PART
fsr-4128	250	20	stimulate	stimulate	VERB
fsr-4128	250	21	interdisciplinary	interdisciplinary	ADJ
fsr-4128	250	22	inquiry	inquiry	NOUN
fsr-4128	250	23	and	and	CCONJ
fsr-4128	250	24	empirical	empirical	ADJ
fsr-4128	250	25	validation	validation	NOUN
fsr-4128	250	26	through	through	ADP
fsr-4128	250	27	longitudinal	longitudinal	ADJ
fsr-4128	250	28	,	,	PUNCT
fsr-4128	250	29	multijurisdictional	multijurisdictional	ADJ
fsr-4128	250	30	research	research	NOUN
fsr-4128	250	31	.	.	PUNCT
fsr-4128	251	1	financial	financial	ADJ
fsr-4128	251	2	services	service	NOUN
fsr-4128	251	3	review	review	NOUN
fsr-4128	251	4	,	,	PUNCT
fsr-4128	251	5	33(4	33(4	NUM
fsr-4128	251	6	)	)	PUNCT
fsr-4128	251	7	146	146	NUM
fsr-4128	251	8	table	table	NOUN
fsr-4128	251	9	2	2	NUM
fsr-4128	251	10	.	.	PUNCT
fsr-4128	251	11	measures	measure	NOUN
fsr-4128	251	12	of	of	ADP
fsr-4128	251	13	value	value	NOUN
fsr-4128	251	14	:	:	PUNCT
fsr-4128	251	15	some	some	DET
fsr-4128	251	16	examples	example	NOUN
fsr-4128	251	17	theme	theme	VERB
fsr-4128	251	18	sub	sub	ADJ
fsr-4128	251	19	-	-	ADJ
fsr-4128	251	20	theme	theme	ADJ
fsr-4128	251	21	author	author	NOUN
fsr-4128	251	22	(	(	PUNCT
fsr-4128	251	23	year	year	NOUN
fsr-4128	251	24	)	)	PUNCT
fsr-4128	251	25	measures	measure	VERB
fsr-4128	251	26	financial	financial	ADJ
fsr-4128	251	27	wellbeing	wellbee	VERB
fsr-4128	251	28	objective	objective	ADJ
fsr-4128	251	29	measures	measure	NOUN
fsr-4128	251	30	debt	debt	NOUN
fsr-4128	251	31	elliehausen	elliehausen	NOUN
fsr-4128	251	32	et	et	PROPN
fsr-4128	251	33	al	al	PROPN
fsr-4128	251	34	.	.	PUNCT
fsr-4128	252	1	(	(	PUNCT
fsr-4128	252	2	2007	2007	NUM
fsr-4128	252	3	)	)	PUNCT
fsr-4128	252	4	credit	credit	NOUN
fsr-4128	252	5	score	score	NOUN
fsr-4128	252	6	:	:	PUNCT
fsr-4128	252	7	summary	summary	NOUN
fsr-4128	252	8	measure	measure	NOUN
fsr-4128	252	9	of	of	ADP
fsr-4128	252	10	credit	credit	NOUN
fsr-4128	252	11	worthiness	worthiness	NOUN
fsr-4128	252	12	as	as	SCONJ
fsr-4128	252	13	provided	provide	VERB
fsr-4128	252	14	by	by	ADP
fsr-4128	252	15	the	the	DET
fsr-4128	252	16	empirica	empirica	PROPN
fsr-4128	252	17	risk	risk	NOUN
fsr-4128	252	18	score	score	NOUN
fsr-4128	252	19	,	,	PUNCT
fsr-4128	252	20	involving	involve	VERB
fsr-4128	252	21	six	six	NUM
fsr-4128	252	22	measures	measure	NOUN
fsr-4128	252	23	of	of	ADP
fsr-4128	252	24	credit	credit	NOUN
fsr-4128	252	25	use	use	NOUN
fsr-4128	252	26	(	(	PUNCT
fsr-4128	252	27	change	change	NOUN
fsr-4128	252	28	in	in	ADP
fsr-4128	252	29	revolving	revolve	VERB
fsr-4128	252	30	debt	debt	NOUN
fsr-4128	252	31	;	;	PUNCT
fsr-4128	252	32	change	change	NOUN
fsr-4128	252	33	in	in	ADP
fsr-4128	252	34	the	the	DET
fsr-4128	252	35	number	number	NOUN
fsr-4128	252	36	of	of	ADP
fsr-4128	252	37	credit	credit	NOUN
fsr-4128	252	38	cards	card	NOUN
fsr-4128	252	39	with	with	ADP
fsr-4128	252	40	positive	positive	ADJ
fsr-4128	252	41	balances	balance	NOUN
fsr-4128	252	42	;	;	PUNCT
fsr-4128	252	43	change	change	NOUN
fsr-4128	252	44	in	in	ADP
fsr-4128	252	45	credit	credit	NOUN
fsr-4128	252	46	card	card	NOUN
fsr-4128	252	47	utilization	utilization	NOUN
fsr-4128	252	48	as	as	ADP
fsr-4128	252	49	a	a	DET
fsr-4128	252	50	percentage	percentage	NOUN
fsr-4128	252	51	of	of	ADP
fsr-4128	252	52	credit	credit	NOUN
fsr-4128	252	53	limit	limit	NOUN
fsr-4128	252	54	;	;	PUNCT
fsr-4128	252	55	change	change	NOUN
fsr-4128	252	56	in	in	ADP
fsr-4128	252	57	consumer	consumer	NOUN
fsr-4128	252	58	debt	debt	NOUN
fsr-4128	252	59	;	;	PUNCT
fsr-4128	252	60	change	change	NOUN
fsr-4128	252	61	in	in	ADP
fsr-4128	252	62	total	total	ADJ
fsr-4128	252	63	debt	debt	NOUN
fsr-4128	252	64	;	;	PUNCT
fsr-4128	252	65	change	change	NOUN
fsr-4128	252	66	in	in	ADP
fsr-4128	252	67	total	total	ADJ
fsr-4128	252	68	number	number	NOUN
fsr-4128	252	69	of	of	ADP
fsr-4128	252	70	accounts	account	NOUN
fsr-4128	252	71	with	with	ADP
fsr-4128	252	72	positive	positive	ADJ
fsr-4128	252	73	balances	balance	NOUN
fsr-4128	252	74	)	)	PUNCT
fsr-4128	252	75	.	.	PUNCT
fsr-4128	253	1	goal	goal	NOUN
fsr-4128	253	2	achievement	achievement	NOUN
fsr-4128	253	3	pagliaro	pagliaro	NOUN
fsr-4128	253	4	and	and	CCONJ
fsr-4128	253	5	utkus	utkus	NOUN
fsr-4128	253	6	(	(	PUNCT
fsr-4128	253	7	2019	2019	NUM
fsr-4128	253	8	)	)	PUNCT
fsr-4128	253	9	probabilistic	probabilistic	ADJ
fsr-4128	253	10	forecast	forecast	NOUN
fsr-4128	253	11	:	:	PUNCT
fsr-4128	253	12	estimate	estimate	NOUN
fsr-4128	253	13	of	of	ADP
fsr-4128	253	14	the	the	DET
fsr-4128	253	15	probability	probability	NOUN
fsr-4128	253	16	of	of	ADP
fsr-4128	253	17	achieving	achieve	VERB
fsr-4128	253	18	a	a	DET
fsr-4128	253	19	financial	financial	ADJ
fsr-4128	253	20	goal	goal	NOUN
fsr-4128	253	21	or	or	CCONJ
fsr-4128	253	22	wealth	wealth	NOUN
fsr-4128	253	23	target	target	NOUN
fsr-4128	253	24	(	(	PUNCT
fsr-4128	253	25	secure	secure	ADJ
fsr-4128	253	26	retirement	retirement	NOUN
fsr-4128	253	27	)	)	PUNCT
fsr-4128	253	28	at	at	ADP
fsr-4128	253	29	the	the	DET
fsr-4128	253	30	end	end	NOUN
fsr-4128	253	31	of	of	ADP
fsr-4128	253	32	a	a	DET
fsr-4128	253	33	specified	specified	ADJ
fsr-4128	253	34	period	period	NOUN
fsr-4128	253	35	.	.	PUNCT
fsr-4128	254	1	income	income	NOUN
fsr-4128	254	2	/	/	SYM
fsr-4128	254	3	welfare	welfare	NOUN
fsr-4128	254	4	benefits	benefit	VERB
fsr-4128	254	5	various	various	ADJ
fsr-4128	254	6	measures	measure	NOUN
fsr-4128	254	7	are	be	AUX
fsr-4128	254	8	generally	generally	ADV
fsr-4128	254	9	reported	report	VERB
fsr-4128	254	10	vaguely	vaguely	ADV
fsr-4128	254	11	or	or	CCONJ
fsr-4128	254	12	not	not	PART
fsr-4128	254	13	at	at	ADV
fsr-4128	254	14	all	all	ADV
fsr-4128	254	15	.	.	PUNCT
fsr-4128	255	1	insurance	insurance	NOUN
fsr-4128	255	2	blanchett	blanchett	PROPN
fsr-4128	255	3	(	(	PUNCT
fsr-4128	255	4	2019	2019	NUM
fsr-4128	255	5	)	)	PUNCT
fsr-4128	255	6	survey	survey	NOUN
fsr-4128	255	7	:	:	PUNCT
fsr-4128	255	8	one	one	NUM
fsr-4128	255	9	item	item	NOUN
fsr-4128	255	10	assessing	assess	VERB
fsr-4128	255	11	whether	whether	SCONJ
fsr-4128	255	12	a	a	DET
fsr-4128	255	13	household	household	NOUN
fsr-4128	255	14	had	have	VERB
fsr-4128	255	15	life	life	NOUN
fsr-4128	255	16	insurance	insurance	NOUN
fsr-4128	255	17	at	at	ADP
fsr-4128	255	18	least	least	ADJ
fsr-4128	255	19	equal	equal	ADJ
fsr-4128	255	20	to	to	ADP
fsr-4128	255	21	the	the	DET
fsr-4128	255	22	total	total	ADJ
fsr-4128	255	23	wage	wage	NOUN
fsr-4128	255	24	income	income	NOUN
fsr-4128	255	25	of	of	ADP
fsr-4128	255	26	the	the	DET
fsr-4128	255	27	household	household	NOUN
fsr-4128	255	28	(	(	PUNCT
fsr-4128	255	29	yes	yes	INTJ
fsr-4128	255	30	/	/	SYM
fsr-4128	255	31	no	no	NOUN
fsr-4128	255	32	)	)	PUNCT
fsr-4128	255	33	.	.	PUNCT
fsr-4128	256	1	investment	investment	NOUN
fsr-4128	256	2	performance	performance	NOUN
fsr-4128	256	3	bluethgen	bluethgen	PROPN
fsr-4128	256	4	,	,	PUNCT
fsr-4128	256	5	gintschel	gintschel	PROPN
fsr-4128	256	6	,	,	PUNCT
fsr-4128	256	7	et	et	PROPN
fsr-4128	256	8	al	al	PROPN
fsr-4128	256	9	.	.	PUNCT
fsr-4128	257	1	(	(	PUNCT
fsr-4128	257	2	2008	2008	NUM
fsr-4128	257	3	)	)	PUNCT
fsr-4128	257	4	statistic	statistic	NOUN
fsr-4128	257	5	:	:	PUNCT
fsr-4128	257	6	tracking	track	VERB
fsr-4128	257	7	error	error	NOUN
fsr-4128	257	8	with	with	ADP
fsr-4128	257	9	a	a	DET
fsr-4128	257	10	benchmark	benchmark	NOUN
fsr-4128	257	11	portfolio	portfolio	NOUN
fsr-4128	257	12	.	.	PUNCT
fsr-4128	258	1	hackethal	hackethal	PROPN
fsr-4128	258	2	et	et	PROPN
fsr-4128	258	3	al	al	PROPN
fsr-4128	258	4	.	.	PROPN
fsr-4128	259	1	(	(	PUNCT
fsr-4128	259	2	2012	2012	NUM
fsr-4128	259	3	)	)	PUNCT
fsr-4128	259	4	statistics	statistic	NOUN
fsr-4128	259	5	:	:	PUNCT
fsr-4128	259	6	sharp	sharp	ADJ
fsr-4128	259	7	ratio	ratio	NOUN
fsr-4128	259	8	;	;	PUNCT
fsr-4128	259	9	monthly	monthly	ADJ
fsr-4128	259	10	log	log	NOUN
fsr-4128	259	11	portfolio	portfolio	NOUN
fsr-4128	259	12	returns	return	NOUN
fsr-4128	259	13	;	;	PUNCT
fsr-4128	259	14	net	net	NOUN
fsr-4128	259	15	of	of	ADP
fsr-4128	259	16	direct	direct	ADJ
fsr-4128	259	17	costs	cost	NOUN
fsr-4128	259	18	,	,	PUNCT
fsr-4128	259	19	as	as	SCONJ
fsr-4128	259	20	calculated	calculate	VERB
fsr-4128	259	21	by	by	ADP
fsr-4128	259	22	the	the	DET
fsr-4128	259	23	method	method	NOUN
fsr-4128	259	24	of	of	ADP
fsr-4128	259	25	dietz	dietz	PROPN
fsr-4128	259	26	(	(	PUNCT
fsr-4128	259	27	1968	1968	NUM
fsr-4128	259	28	)	)	PUNCT
fsr-4128	259	29	;	;	PUNCT
fsr-4128	259	30	jensen	jensen	PROPN
fsr-4128	259	31	’s	’s	PART
fsr-4128	259	32	alpha	alpha	NOUN
fsr-4128	259	33	;	;	PUNCT
fsr-4128	259	34	alpha	alpha	NOUN
fsr-4128	259	35	four	four	NUM
fsr-4128	259	36	factor	factor	NOUN
fsr-4128	259	37	model	model	NOUN
fsr-4128	259	38	.	.	PUNCT
fsr-4128	260	1	marsden	marsden	PROPN
fsr-4128	260	2	,	,	PUNCT
fsr-4128	260	3	zick	zick	PROPN
fsr-4128	260	4	and	and	CCONJ
fsr-4128	260	5	mayer	mayer	PROPN
fsr-4128	260	6	(	(	PUNCT
fsr-4128	260	7	2011	2011	NUM
fsr-4128	260	8	)	)	PUNCT
fsr-4128	260	9	statistics	statistic	NOUN
fsr-4128	260	10	:	:	PUNCT
fsr-4128	260	11	annual	annual	ADJ
fsr-4128	260	12	rate	rate	NOUN
fsr-4128	260	13	of	of	ADP
fsr-4128	260	14	account	account	NOUN
fsr-4128	260	15	growth	growth	NOUN
fsr-4128	260	16	over	over	ADP
fsr-4128	260	17	the	the	DET
fsr-4128	260	18	past	past	ADJ
fsr-4128	260	19	1	1	NUM
fsr-4128	260	20	,	,	PUNCT
fsr-4128	260	21	2	2	NUM
fsr-4128	260	22	and	and	CCONJ
fsr-4128	260	23	3	3	NUM
fsr-4128	260	24	years	year	NOUN
fsr-4128	260	25	.	.	PUNCT
fsr-4128	261	1	portfolio	portfolio	NOUN
fsr-4128	261	2	construction	construction	PROPN
fsr-4128	261	3	bluethgen	bluethgen	PROPN
fsr-4128	261	4	,	,	PUNCT
fsr-4128	261	5	gintschel	gintschel	PROPN
fsr-4128	261	6	,	,	PUNCT
fsr-4128	261	7	et	et	PROPN
fsr-4128	261	8	al	al	PROPN
fsr-4128	261	9	.	.	PUNCT
fsr-4128	261	10	(	(	PUNCT
fsr-4128	261	11	2008	2008	NUM
fsr-4128	261	12	)	)	PUNCT
fsr-4128	261	13	statistics	statistic	NOUN
fsr-4128	261	14	:	:	PUNCT
fsr-4128	261	15	equity	equity	NOUN
fsr-4128	261	16	share	share	NOUN
fsr-4128	261	17	of	of	ADP
fsr-4128	261	18	portfolio	portfolio	NOUN
fsr-4128	261	19	;	;	PUNCT
fsr-4128	261	20	share	share	NOUN
fsr-4128	261	21	of	of	ADP
fsr-4128	261	22	equity	equity	NOUN
fsr-4128	261	23	held	hold	VERB
fsr-4128	261	24	as	as	ADP
fsr-4128	261	25	mutual	mutual	ADJ
fsr-4128	261	26	funds	fund	NOUN
fsr-4128	261	27	;	;	PUNCT
fsr-4128	261	28	ratio	ratio	NOUN
fsr-4128	261	29	of	of	ADP
fsr-4128	261	30	international	international	ADJ
fsr-4128	261	31	equity	equity	NOUN
fsr-4128	261	32	to	to	PART
fsr-4128	261	33	total	total	VERB
fsr-4128	261	34	equity	equity	NOUN
fsr-4128	261	35	assets	asset	NOUN
fsr-4128	261	36	.	.	PUNCT
fsr-4128	262	1	hackethal	hackethal	PROPN
fsr-4128	262	2	et	et	PROPN
fsr-4128	262	3	al	al	PROPN
fsr-4128	262	4	.	.	PROPN
fsr-4128	263	1	(	(	PUNCT
fsr-4128	263	2	2012	2012	NUM
fsr-4128	263	3	)	)	PUNCT
fsr-4128	263	4	statistic	statistic	NOUN
fsr-4128	263	5	:	:	PUNCT
fsr-4128	263	6	average	average	ADJ
fsr-4128	263	7	share	share	NOUN
fsr-4128	263	8	of	of	ADP
fsr-4128	263	9	directly	directly	ADV
fsr-4128	263	10	held	hold	VERB
fsr-4128	263	11	equity	equity	NOUN
fsr-4128	263	12	.	.	PUNCT
fsr-4128	264	1	risk	risk	NOUN
fsr-4128	264	2	bluethgen	bluethgen	PROPN
fsr-4128	264	3	,	,	PUNCT
fsr-4128	264	4	gintschel	gintschel	PROPN
fsr-4128	264	5	,	,	PUNCT
fsr-4128	264	6	et	et	PROPN
fsr-4128	264	7	al	al	PROPN
fsr-4128	264	8	.	.	PUNCT
fsr-4128	265	1	(	(	PUNCT
fsr-4128	265	2	2008	2008	NUM
fsr-4128	265	3	)	)	PUNCT
fsr-4128	265	4	statistic	statistic	NOUN
fsr-4128	265	5	:	:	PUNCT
fsr-4128	265	6	standard	standard	ADJ
fsr-4128	265	7	deviation	deviation	NOUN
fsr-4128	265	8	of	of	ADP
fsr-4128	265	9	portfolio	portfolio	NOUN
fsr-4128	265	10	returns	return	NOUN
fsr-4128	265	11	,	,	PUNCT
fsr-4128	265	12	derived	derive	VERB
fsr-4128	265	13	from	from	ADP
fsr-4128	265	14	the	the	DET
fsr-4128	265	15	variation	variation	NOUN
fsr-4128	265	16	of	of	ADP
fsr-4128	265	17	monthly	monthly	ADJ
fsr-4128	265	18	gross	gross	ADJ
fsr-4128	265	19	portfolio	portfolio	NOUN
fsr-4128	265	20	returns	return	NOUN
fsr-4128	265	21	as	as	SCONJ
fsr-4128	265	22	calculated	calculate	VERB
fsr-4128	265	23	by	by	ADP
fsr-4128	265	24	dietz	dietz	PROPN
fsr-4128	265	25	(	(	PUNCT
fsr-4128	265	26	1968	1968	NUM
fsr-4128	265	27	)	)	PUNCT
fsr-4128	265	28	.	.	PUNCT
fsr-4128	266	1	hackethal	hackethal	PROPN
fsr-4128	266	2	et	et	PROPN
fsr-4128	266	3	al	al	PROPN
fsr-4128	266	4	.	.	PROPN
fsr-4128	267	1	(	(	PUNCT
fsr-4128	267	2	2012	2012	NUM
fsr-4128	267	3	)	)	PUNCT
fsr-4128	267	4	statistic	statistic	NOUN
fsr-4128	267	5	:	:	PUNCT
fsr-4128	267	6	variance	variance	NOUN
fsr-4128	267	7	of	of	ADP
fsr-4128	267	8	monthly	monthly	ADJ
fsr-4128	267	9	portfolio	portfolio	NOUN
fsr-4128	267	10	returns	return	NOUN
fsr-4128	267	11	.	.	PUNCT
fsr-4128	268	1	marsden	marsden	PROPN
fsr-4128	268	2	,	,	PUNCT
fsr-4128	268	3	zick	zick	PROPN
fsr-4128	268	4	and	and	CCONJ
fsr-4128	268	5	mayer	mayer	PROPN
fsr-4128	268	6	(	(	PUNCT
fsr-4128	268	7	2011	2011	NUM
fsr-4128	268	8	)	)	PUNCT
fsr-4128	268	9	survey	survey	NOUN
fsr-4128	268	10	:	:	PUNCT
fsr-4128	268	11	increased	increase	VERB
fsr-4128	268	12	the	the	DET
fsr-4128	268	13	investment	investment	NOUN
fsr-4128	268	14	risk	risk	NOUN
fsr-4128	268	15	involving	involve	VERB
fsr-4128	268	16	existing	exist	VERB
fsr-4128	268	17	and	and	CCONJ
fsr-4128	268	18	new	new	ADJ
fsr-4128	268	19	money	money	NOUN
fsr-4128	268	20	in	in	ADP
fsr-4128	268	21	retirement	retirement	NOUN
fsr-4128	268	22	account(s	account(s	PROPN
fsr-4128	268	23	)	)	PUNCT
fsr-4128	268	24	(	(	PUNCT
fsr-4128	268	25	yes	yes	INTJ
fsr-4128	268	26	/	/	SYM
fsr-4128	268	27	no	no	NOUN
fsr-4128	268	28	)	)	PUNCT
fsr-4128	268	29	.	.	PUNCT
fsr-4128	269	1	table	table	NOUN
fsr-4128	269	2	2	2	NUM
fsr-4128	269	3	continued	continue	VERB
fsr-4128	269	4	on	on	ADP
fsr-4128	269	5	next	next	ADJ
fsr-4128	269	6	page	page	NOUN
fsr-4128	269	7	.	.	PUNCT
fsr-4128	270	1	macdonald	macdonald	PROPN
fsr-4128	270	2	et	et	PROPN
fsr-4128	270	3	al	al	PROPN
fsr-4128	270	4	.	.	PROPN
fsr-4128	271	1	147	147	NUM
fsr-4128	271	2	table	table	NOUN
fsr-4128	271	3	2	2	NUM
fsr-4128	271	4	continued	continue	VERB
fsr-4128	271	5	.	.	PUNCT
fsr-4128	272	1	theme	theme	NOUN
fsr-4128	272	2	sub	sub	ADJ
fsr-4128	272	3	-	-	ADJ
fsr-4128	272	4	theme	theme	ADJ
fsr-4128	272	5	author	author	NOUN
fsr-4128	272	6	(	(	PUNCT
fsr-4128	272	7	year	year	NOUN
fsr-4128	272	8	)	)	PUNCT
fsr-4128	272	9	measures	measure	NOUN
fsr-4128	272	10	trading	trading	NOUN
fsr-4128	272	11	activity	activity	NOUN
fsr-4128	272	12	bluethgen	bluethgen	NOUN
fsr-4128	272	13	,	,	PUNCT
fsr-4128	272	14	gintschel	gintschel	PROPN
fsr-4128	272	15	,	,	PUNCT
fsr-4128	272	16	et	et	PROPN
fsr-4128	272	17	al	al	PROPN
fsr-4128	272	18	.	.	PUNCT
fsr-4128	273	1	(	(	PUNCT
fsr-4128	273	2	2008	2008	NUM
fsr-4128	273	3	)	)	PUNCT
fsr-4128	273	4	statistics	statistic	NOUN
fsr-4128	273	5	:	:	PUNCT
fsr-4128	273	6	transaction	transaction	NOUN
fsr-4128	273	7	costs	cost	NOUN
fsr-4128	273	8	;	;	PUNCT
fsr-4128	273	9	annual	annual	ADJ
fsr-4128	273	10	sales	sale	NOUN
fsr-4128	273	11	;	;	PUNCT
fsr-4128	273	12	purchase	purchase	NOUN
fsr-4128	273	13	turnover	turnover	NOUN
fsr-4128	273	14	.	.	PUNCT
fsr-4128	274	1	hackethal	hackethal	PROPN
fsr-4128	274	2	et	et	PROPN
fsr-4128	274	3	al	al	PROPN
fsr-4128	274	4	.	.	PROPN
fsr-4128	275	1	(	(	PUNCT
fsr-4128	275	2	2012	2012	NUM
fsr-4128	275	3	)	)	PUNCT
fsr-4128	275	4	statistics	statistic	NOUN
fsr-4128	275	5	:	:	PUNCT
fsr-4128	275	6	number	number	NOUN
fsr-4128	275	7	of	of	ADP
fsr-4128	275	8	purchases	purchase	NOUN
fsr-4128	275	9	per	per	ADP
fsr-4128	275	10	month	month	NOUN
fsr-4128	275	11	scaled	scale	VERB
fsr-4128	275	12	by	by	ADP
fsr-4128	275	13	account	account	NOUN
fsr-4128	275	14	volume	volume	NOUN
fsr-4128	275	15	;	;	PUNCT
fsr-4128	275	16	monthly	monthly	ADJ
fsr-4128	275	17	account	account	NOUN
fsr-4128	275	18	turnover	turnover	NOUN
fsr-4128	275	19	.	.	PUNCT
fsr-4128	276	1	wealth	wealth	NOUN
fsr-4128	276	2	grable	grable	PROPN
fsr-4128	276	3	and	and	CCONJ
fsr-4128	276	4	chatterjee	chatterjee	PROPN
fsr-4128	276	5	(	(	PUNCT
fsr-4128	276	6	2014	2014	NUM
fsr-4128	276	7	)	)	PUNCT
fsr-4128	276	8	statistics	statistic	NOUN
fsr-4128	276	9	:	:	PUNCT
fsr-4128	276	10	average	average	ADJ
fsr-4128	276	11	change	change	NOUN
fsr-4128	276	12	in	in	ADP
fsr-4128	276	13	wealth	wealth	NOUN
fsr-4128	276	14	;	;	PUNCT
fsr-4128	276	15	standard	standard	ADJ
fsr-4128	276	16	deviation	deviation	NOUN
fsr-4128	276	17	of	of	ADP
fsr-4128	276	18	wealth	wealth	NOUN
fsr-4128	276	19	changes	change	NOUN
fsr-4128	276	20	;	;	PUNCT
fsr-4128	276	21	risk	risk	NOUN
fsr-4128	276	22	adjusted	adjust	VERB
fsr-4128	276	23	wealth	wealth	NOUN
fsr-4128	276	24	volatility	volatility	NOUN
fsr-4128	276	25	(	(	PUNCT
fsr-4128	276	26	using	use	VERB
fsr-4128	276	27	a	a	DET
fsr-4128	276	28	modified	modify	VERB
fsr-4128	276	29	modigliani	modigliani	ADJ
fsr-4128	276	30	measure	measure	NOUN
fsr-4128	276	31	(	(	PUNCT
fsr-4128	276	32	m2	m2	PROPN
fsr-4128	276	33	)	)	PUNCT
fsr-4128	276	34	)	)	PUNCT
fsr-4128	276	35	.	.	PUNCT
fsr-4128	277	1	marsden	marsden	PROPN
fsr-4128	277	2	,	,	PUNCT
fsr-4128	277	3	zick	zick	PROPN
fsr-4128	277	4	and	and	CCONJ
fsr-4128	277	5	mayer	mayer	PROPN
fsr-4128	277	6	(	(	PUNCT
fsr-4128	277	7	2011	2011	NUM
fsr-4128	277	8	)	)	PUNCT
fsr-4128	277	9	survey	survey	NOUN
fsr-4128	277	10	:	:	PUNCT
fsr-4128	277	11	self	self	NOUN
fsr-4128	277	12	-	-	PUNCT
fsr-4128	277	13	reported	report	VERB
fsr-4128	277	14	retirement	retirement	NOUN
fsr-4128	277	15	savings	saving	NOUN
fsr-4128	277	16	;	;	PUNCT
fsr-4128	277	17	emergency	emergency	NOUN
fsr-4128	277	18	fund	fund	NOUN
fsr-4128	277	19	adequacy	adequacy	NOUN
fsr-4128	277	20	;	;	PUNCT
fsr-4128	277	21	total	total	ADJ
fsr-4128	277	22	defined	define	VERB
fsr-4128	277	23	contribution	contribution	NOUN
fsr-4128	277	24	account	account	NOUN
fsr-4128	277	25	values	value	NOUN
fsr-4128	277	26	;	;	PUNCT
fsr-4128	277	27	total	total	ADJ
fsr-4128	277	28	supplemental	supplemental	ADJ
fsr-4128	277	29	account	account	NOUN
fsr-4128	277	30	values	value	NOUN
fsr-4128	277	31	.	.	PUNCT
fsr-4128	278	1	subjective	subjective	ADJ
fsr-4128	278	2	measures	measure	NOUN
fsr-4128	278	3	financial	financial	ADJ
fsr-4128	278	4	situation	situation	NOUN
fsr-4128	278	5	littlechild	littlechild	NOUN
fsr-4128	278	6	(	(	PUNCT
fsr-4128	278	7	2013	2013	NUM
fsr-4128	278	8	)	)	PUNCT
fsr-4128	278	9	survey	survey	NOUN
fsr-4128	278	10	:	:	PUNCT
fsr-4128	278	11	how	how	SCONJ
fsr-4128	278	12	confident	confident	ADJ
fsr-4128	278	13	are	be	AUX
fsr-4128	278	14	you	you	PRON
fsr-4128	278	15	that	that	SCONJ
fsr-4128	278	16	you	you	PRON
fsr-4128	278	17	will	will	AUX
fsr-4128	278	18	reach	reach	VERB
fsr-4128	278	19	your	your	PRON
fsr-4128	278	20	primary	primary	ADJ
fsr-4128	278	21	financial	financial	ADJ
fsr-4128	278	22	goal	goal	NOUN
fsr-4128	278	23	?	?	PUNCT
fsr-4128	279	1	how	how	SCONJ
fsr-4128	279	2	much	much	ADJ
fsr-4128	279	3	clarity	clarity	NOUN
fsr-4128	279	4	do	do	AUX
fsr-4128	279	5	you	you	PRON
fsr-4128	279	6	have	have	VERB
fsr-4128	279	7	around	around	ADP
fsr-4128	279	8	your	your	PRON
fsr-4128	279	9	financial	financial	ADJ
fsr-4128	279	10	goals	goal	NOUN
fsr-4128	279	11	?	?	PUNCT
fsr-4128	280	1	marsden	marsden	PROPN
fsr-4128	280	2	,	,	PUNCT
fsr-4128	280	3	zick	zick	PROPN
fsr-4128	280	4	and	and	CCONJ
fsr-4128	280	5	mayer	mayer	PROPN
fsr-4128	280	6	(	(	PUNCT
fsr-4128	280	7	2011	2011	NUM
fsr-4128	280	8	)	)	PUNCT
fsr-4128	280	9	survey	survey	NOUN
fsr-4128	280	10	:	:	PUNCT
fsr-4128	280	11	retirement	retirement	NOUN
fsr-4128	280	12	confidence	confidence	NOUN
fsr-4128	280	13	:	:	PUNCT
fsr-4128	280	14	confidence	confidence	NOUN
fsr-4128	280	15	in	in	ADP
fsr-4128	280	16	having	have	VERB
fsr-4128	280	17	enough	enough	ADJ
fsr-4128	280	18	money	money	NOUN
fsr-4128	280	19	to	to	PART
fsr-4128	280	20	live	live	VERB
fsr-4128	280	21	comfortably	comfortably	ADV
fsr-4128	280	22	throughout	throughout	ADP
fsr-4128	280	23	retirement	retirement	NOUN
fsr-4128	280	24	years	year	NOUN
fsr-4128	280	25	.	.	PUNCT
fsr-4128	281	1	theodos	theodo	NOUN
fsr-4128	281	2	et	et	PROPN
fsr-4128	281	3	al	al	PROPN
fsr-4128	281	4	.	.	PROPN
fsr-4128	281	5	,	,	PUNCT
fsr-4128	281	6	2015	2015	NUM
fsr-4128	281	7	survey	survey	NOUN
fsr-4128	281	8	:	:	PUNCT
fsr-4128	281	9	level	level	NOUN
fsr-4128	281	10	of	of	ADP
fsr-4128	281	11	financial	financial	ADJ
fsr-4128	281	12	stress	stress	NOUN
fsr-4128	281	13	(	(	PUNCT
fsr-4128	281	14	two	two	NUM
fsr-4128	281	15	items	item	NOUN
fsr-4128	281	16	:	:	PUNCT
fsr-4128	281	17	1	1	NUM
fsr-4128	281	18	-	-	SYM
fsr-4128	281	19	7	7	NUM
fsr-4128	281	20	scale	scale	NOUN
fsr-4128	281	21	.	.	PUNCT
fsr-4128	282	1	item	item	NOUN
fsr-4128	282	2	1	1	NUM
fsr-4128	282	3	:	:	PUNCT
fsr-4128	282	4	rating	rating	NOUN
fsr-4128	282	5	own	own	ADJ
fsr-4128	282	6	level	level	NOUN
fsr-4128	282	7	of	of	ADP
fsr-4128	282	8	financial	financial	ADJ
fsr-4128	282	9	stress	stress	NOUN
fsr-4128	282	10	.	.	PUNCT
fsr-4128	283	1	item	item	NOUN
fsr-4128	283	2	2	2	NUM
fsr-4128	283	3	:	:	PUNCT
fsr-4128	283	4	how	how	SCONJ
fsr-4128	283	5	often	often	ADV
fsr-4128	283	6	individuals	individual	NOUN
fsr-4128	283	7	wanted	want	VERB
fsr-4128	283	8	to	to	PART
fsr-4128	283	9	go	go	VERB
fsr-4128	283	10	out	out	ADP
fsr-4128	283	11	but	but	CCONJ
fsr-4128	283	12	could	could	AUX
fsr-4128	283	13	not	not	PART
fsr-4128	283	14	afford	afford	VERB
fsr-4128	283	15	to	to	ADP
fsr-4128	283	16	)	)	PUNCT
fsr-4128	283	17	.	.	PUNCT
fsr-4128	284	1	satisfaction	satisfaction	NOUN
fsr-4128	284	2	with	with	ADP
fsr-4128	284	3	present	present	ADJ
fsr-4128	284	4	financial	financial	ADJ
fsr-4128	284	5	situation	situation	NOUN
fsr-4128	284	6	(	(	PUNCT
fsr-4128	284	7	1	1	NUM
fsr-4128	284	8	-	-	SYM
fsr-4128	284	9	7	7	NUM
fsr-4128	284	10	scale	scale	NOUN
fsr-4128	284	11	)	)	PUNCT
fsr-4128	284	12	.	.	PUNCT
fsr-4128	285	1	confidence	confidence	NOUN
fsr-4128	285	2	in	in	ADP
fsr-4128	285	3	ability	ability	NOUN
fsr-4128	285	4	to	to	PART
fsr-4128	285	5	achieve	achieve	VERB
fsr-4128	285	6	financial	financial	ADJ
fsr-4128	285	7	goals	goal	NOUN
fsr-4128	285	8	(	(	PUNCT
fsr-4128	285	9	0100	0100	NUM
fsr-4128	285	10	%	%	NOUN
fsr-4128	285	11	scale	scale	NOUN
fsr-4128	285	12	)	)	PUNCT
fsr-4128	285	13	.	.	PUNCT
fsr-4128	286	1	confidence	confidence	NOUN
fsr-4128	286	2	in	in	ADP
fsr-4128	286	3	ability	ability	NOUN
fsr-4128	286	4	to	to	PART
fsr-4128	286	5	make	make	VERB
fsr-4128	286	6	ends	end	NOUN
fsr-4128	286	7	meet	meet	VERB
fsr-4128	286	8	in	in	ADP
fsr-4128	286	9	an	an	DET
fsr-4128	286	10	emergency	emergency	NOUN
fsr-4128	286	11	(	(	PUNCT
fsr-4128	286	12	0	0	NUM
fsr-4128	286	13	-	-	SYM
fsr-4128	286	14	100	100	NUM
fsr-4128	286	15	%	%	NOUN
fsr-4128	286	16	scale	scale	NOUN
fsr-4128	286	17	)	)	PUNCT
fsr-4128	286	18	.	.	PUNCT
fsr-4128	287	1	progress	progress	NOUN
fsr-4128	287	2	toward	toward	ADP
fsr-4128	287	3	improving	improve	VERB
fsr-4128	287	4	household	household	NOUN
fsr-4128	287	5	’s	’s	PART
fsr-4128	287	6	financial	financial	ADJ
fsr-4128	287	7	security/	security/	NUM
fsr-4128	287	8	ability	ability	NOUN
fsr-4128	287	9	to	to	PART
fsr-4128	287	10	take	take	VERB
fsr-4128	287	11	care	care	NOUN
fsr-4128	287	12	of	of	ADP
fsr-4128	287	13	family/	family/	NUM
fsr-4128	287	14	live	live	ADJ
fsr-4128	287	15	more	more	ADV
fsr-4128	287	16	comfortably	comfortably	ADV
fsr-4128	287	17	(	(	PUNCT
fsr-4128	287	18	0	0	NUM
fsr-4128	287	19	-	-	SYM
fsr-4128	287	20	100	100	NUM
fsr-4128	287	21	%	%	NOUN
fsr-4128	287	22	scale	scale	NOUN
fsr-4128	287	23	)	)	PUNCT
fsr-4128	287	24	.	.	PUNCT
fsr-4128	288	1	qualitative	qualitative	NOUN
fsr-4128	288	2	:	:	PUNCT
fsr-4128	288	3	specific	specific	ADJ
fsr-4128	288	4	interview	interview	NOUN
fsr-4128	288	5	questions	question	NOUN
fsr-4128	288	6	not	not	PART
fsr-4128	288	7	provided	provide	VERB
fsr-4128	288	8	.	.	PUNCT
fsr-4128	289	1	financial	financial	ADJ
fsr-4128	289	2	attitudes	attitude	NOUN
fsr-4128	289	3	marsden	marsden	PROPN
fsr-4128	289	4	,	,	PUNCT
fsr-4128	289	5	zick	zick	PROPN
fsr-4128	289	6	and	and	CCONJ
fsr-4128	289	7	mayer	mayer	PROPN
fsr-4128	289	8	(	(	PUNCT
fsr-4128	289	9	2011	2011	NUM
fsr-4128	289	10	)	)	PUNCT
fsr-4128	289	11	survey	survey	NOUN
fsr-4128	289	12	:	:	PUNCT
fsr-4128	289	13	could	could	AUX
fsr-4128	289	14	offer	offer	VERB
fsr-4128	289	15	an	an	DET
fsr-4128	289	16	estimate	estimate	NOUN
fsr-4128	289	17	of	of	ADP
fsr-4128	289	18	asset	asset	NOUN
fsr-4128	289	19	allocation	allocation	NOUN
fsr-4128	289	20	(	(	PUNCT
fsr-4128	289	21	yes	yes	INTJ
fsr-4128	289	22	/	/	SYM
fsr-4128	289	23	no	no	NOUN
fsr-4128	289	24	)	)	PUNCT
fsr-4128	289	25	;	;	PUNCT
fsr-4128	289	26	increased	increase	VERB
fsr-4128	289	27	the	the	DET
fsr-4128	289	28	amount	amount	NOUN
fsr-4128	289	29	of	of	ADP
fsr-4128	289	30	time	time	NOUN
fsr-4128	289	31	spent	spend	VERB
fsr-4128	289	32	learning	learn	VERB
fsr-4128	289	33	about	about	ADP
fsr-4128	289	34	financial	financial	ADJ
fsr-4128	289	35	topics	topic	NOUN
fsr-4128	289	36	(	(	PUNCT
fsr-4128	289	37	yes	yes	INTJ
fsr-4128	289	38	/	/	SYM
fsr-4128	289	39	no	no	NOUN
fsr-4128	289	40	)	)	PUNCT
fsr-4128	289	41	.	.	PUNCT
fsr-4128	290	1	table	table	NOUN
fsr-4128	290	2	2	2	NUM
fsr-4128	290	3	continued	continue	VERB
fsr-4128	290	4	on	on	ADP
fsr-4128	290	5	next	next	ADJ
fsr-4128	290	6	page	page	NOUN
fsr-4128	290	7	.	.	PUNCT
fsr-4128	291	1	financial	financial	ADJ
fsr-4128	291	2	services	service	NOUN
fsr-4128	291	3	review	review	NOUN
fsr-4128	291	4	,	,	PUNCT
fsr-4128	291	5	33(4	33(4	NUM
fsr-4128	291	6	)	)	PUNCT
fsr-4128	291	7	148	148	NUM
fsr-4128	291	8	table	table	NOUN
fsr-4128	291	9	2	2	NUM
fsr-4128	291	10	continued	continue	VERB
fsr-4128	291	11	.	.	PUNCT
fsr-4128	292	1	theme	theme	NOUN
fsr-4128	292	2	sub	sub	ADJ
fsr-4128	292	3	-	-	ADJ
fsr-4128	292	4	theme	theme	ADJ
fsr-4128	292	5	author	author	NOUN
fsr-4128	292	6	(	(	PUNCT
fsr-4128	292	7	year	year	NOUN
fsr-4128	292	8	)	)	PUNCT
fsr-4128	292	9	measures	measure	VERB
fsr-4128	292	10	financial	financial	ADJ
fsr-4128	292	11	behaviors	behavior	NOUN
fsr-4128	292	12	marsden	marsden	PROPN
fsr-4128	292	13	,	,	PUNCT
fsr-4128	292	14	zick	zick	PROPN
fsr-4128	292	15	and	and	CCONJ
fsr-4128	292	16	mayer	mayer	PROPN
fsr-4128	292	17	(	(	PUNCT
fsr-4128	292	18	2011	2011	NUM
fsr-4128	292	19	)	)	PUNCT
fsr-4128	292	20	survey	survey	NOUN
fsr-4128	292	21	:	:	PUNCT
fsr-4128	292	22	have	have	AUX
fsr-4128	292	23	established	establish	VERB
fsr-4128	292	24	long	long	ADJ
fsr-4128	292	25	-	-	PUNCT
fsr-4128	292	26	term	term	NOUN
fsr-4128	292	27	goals	goal	NOUN
fsr-4128	292	28	and	and	CCONJ
fsr-4128	292	29	are	be	AUX
fsr-4128	292	30	working	work	VERB
fsr-4128	292	31	to	to	PART
fsr-4128	292	32	fulfill	fulfill	VERB
fsr-4128	292	33	them	they	PRON
fsr-4128	292	34	;	;	PUNCT
fsr-4128	292	35	has	have	AUX
fsr-4128	292	36	calculated	calculate	VERB
fsr-4128	292	37	retirement	retirement	NOUN
fsr-4128	292	38	needs	need	NOUN
fsr-4128	292	39	;	;	PUNCT
fsr-4128	292	40	has	have	VERB
fsr-4128	292	41	a	a	DET
fsr-4128	292	42	supplement	supplement	NOUN
fsr-4128	292	43	retirement	retirement	NOUN
fsr-4128	292	44	account	account	NOUN
fsr-4128	292	45	;	;	PUNCT
fsr-4128	292	46	frequency	frequency	NOUN
fsr-4128	292	47	of	of	ADP
fsr-4128	292	48	reviewing	review	VERB
fsr-4128	292	49	retirement	retirement	NOUN
fsr-4128	292	50	account	account	NOUN
fsr-4128	292	51	statements	statement	NOUN
fsr-4128	292	52	.	.	PUNCT
fsr-4128	293	1	after	after	ADP
fsr-4128	293	2	receiving	receive	VERB
fsr-4128	293	3	financial	financial	ADJ
fsr-4128	293	4	advice	advice	NOUN
fsr-4128	293	5	:	:	PUNCT
fsr-4128	293	6	increased	increase	VERB
fsr-4128	293	7	the	the	DET
fsr-4128	293	8	amount	amount	NOUN
fsr-4128	293	9	of	of	ADP
fsr-4128	293	10	money	money	NOUN
fsr-4128	293	11	saved	save	VERB
fsr-4128	293	12	regularly	regularly	ADV
fsr-4128	293	13	;	;	PUNCT
fsr-4128	293	14	increased	increase	VERB
fsr-4128	293	15	the	the	DET
fsr-4128	293	16	amount	amount	NOUN
fsr-4128	293	17	of	of	ADP
fsr-4128	293	18	money	money	NOUN
fsr-4128	293	19	owed	owe	VERB
fsr-4128	293	20	;	;	PUNCT
fsr-4128	293	21	increased	increase	VERB
fsr-4128	293	22	the	the	DET
fsr-4128	293	23	age	age	NOUN
fsr-4128	293	24	of	of	ADP
fsr-4128	293	25	expected	expect	VERB
fsr-4128	293	26	retirement	retirement	NOUN
fsr-4128	293	27	.	.	PUNCT
fsr-4128	294	1	behavioral	behavioral	ADJ
fsr-4128	294	2	responses	response	NOUN
fsr-4128	294	3	to	to	ADP
fsr-4128	294	4	the	the	DET
fsr-4128	294	5	recent	recent	ADJ
fsr-4128	294	6	economic	economic	ADJ
fsr-4128	294	7	crisis	crisis	NOUN
fsr-4128	294	8	:	:	PUNCT
fsr-4128	294	9	percentage	percentage	NOUN
fsr-4128	294	10	invested	invest	VERB
fsr-4128	294	11	internationally	internationally	ADV
fsr-4128	294	12	in	in	ADP
fsr-4128	294	13	2009	2009	NUM
fsr-4128	294	14	;	;	PUNCT
fsr-4128	294	15	number	number	NOUN
fsr-4128	294	16	of	of	ADP
fsr-4128	294	17	asset	asset	NOUN
fsr-4128	294	18	classes	class	NOUN
fsr-4128	294	19	in	in	ADP
fsr-4128	294	20	2009	2009	NUM
fsr-4128	294	21	;	;	PUNCT
fsr-4128	294	22	percentage	percentage	NOUN
fsr-4128	294	23	allocation	allocation	NOUN
fsr-4128	294	24	to	to	ADP
fsr-4128	294	25	stocks	stock	NOUN
fsr-4128	294	26	in	in	ADP
fsr-4128	294	27	2009	2009	NUM
fsr-4128	294	28	;	;	PUNCT
fsr-4128	294	29	percentage	percentage	NOUN
fsr-4128	294	30	of	of	ADP
fsr-4128	294	31	total	total	ADJ
fsr-4128	294	32	holdings	holding	NOUN
fsr-4128	294	33	in	in	ADP
fsr-4128	294	34	small	small	ADJ
fsr-4128	294	35	or	or	CCONJ
fsr-4128	294	36	mid	mid	ADJ
fsr-4128	294	37	-	-	ADJ
fsr-4128	294	38	cap	cap	ADJ
fsr-4128	294	39	funds	fund	NOUN
fsr-4128	294	40	in	in	ADP
fsr-4128	294	41	2009	2009	NUM
fsr-4128	294	42	;	;	PUNCT
fsr-4128	294	43	percentage	percentage	NOUN
fsr-4128	294	44	in	in	ADP
fsr-4128	294	45	target	target	NOUN
fsr-4128	294	46	retirement	retirement	NOUN
fsr-4128	294	47	date	date	NOUN
fsr-4128	294	48	funds	fund	NOUN
fsr-4128	294	49	in	in	ADP
fsr-4128	294	50	2009	2009	NUM
fsr-4128	294	51	;	;	PUNCT
fsr-4128	294	52	percentage	percentage	NOUN
fsr-4128	294	53	in	in	ADP
fsr-4128	294	54	actively	actively	ADV
fsr-4128	294	55	managed	manage	VERB
fsr-4128	294	56	funds	fund	NOUN
fsr-4128	294	57	in	in	ADP
fsr-4128	294	58	2009	2009	NUM
fsr-4128	294	59	.	.	PUNCT
fsr-4128	295	1	financial	financial	ADJ
fsr-4128	295	2	knowledge	knowledge	NOUN
fsr-4128	295	3	britt	britt	PROPN
fsr-4128	295	4	et	et	PROPN
fsr-4128	295	5	al	al	PROPN
fsr-4128	295	6	.	.	PROPN
fsr-4128	296	1	(	(	PUNCT
fsr-4128	296	2	2015	2015	NUM
fsr-4128	296	3	)	)	PUNCT
fsr-4128	296	4	survey	survey	NOUN
fsr-4128	296	5	:	:	PUNCT
fsr-4128	296	6	before	before	ADP
fsr-4128	296	7	and	and	CCONJ
fsr-4128	296	8	after	after	ADP
fsr-4128	296	9	comparison	comparison	NOUN
fsr-4128	296	10	of	of	ADP
fsr-4128	296	11	objective	objective	ADJ
fsr-4128	296	12	financial	financial	ADJ
fsr-4128	296	13	knowledge	knowledge	NOUN
fsr-4128	296	14	measured	measure	VERB
fsr-4128	296	15	by	by	ADP
fsr-4128	296	16	awarding	award	VERB
fsr-4128	296	17	1	1	NUM
fsr-4128	296	18	point	point	NOUN
fsr-4128	296	19	per	per	ADP
fsr-4128	296	20	correct	correct	ADJ
fsr-4128	296	21	answer	answer	NOUN
fsr-4128	296	22	to	to	ADP
fsr-4128	296	23	the	the	DET
fsr-4128	296	24	following	follow	VERB
fsr-4128	296	25	questions	question	NOUN
fsr-4128	296	26	:	:	PUNCT
fsr-4128	296	27	a	a	X
fsr-4128	296	28	)	)	PUNCT
fsr-4128	296	29	you	you	PRON
fsr-4128	296	30	may	may	AUX
fsr-4128	296	31	obtain	obtain	VERB
fsr-4128	296	32	a	a	DET
fsr-4128	296	33	free	free	ADJ
fsr-4128	296	34	copy	copy	NOUN
fsr-4128	296	35	of	of	ADP
fsr-4128	296	36	your	your	PRON
fsr-4128	296	37	credit	credit	NOUN
fsr-4128	296	38	report	report	NOUN
fsr-4128	296	39	each	each	DET
fsr-4128	296	40	year	year	NOUN
fsr-4128	296	41	(	(	PUNCT
fsr-4128	296	42	true	true	ADJ
fsr-4128	296	43	)	)	PUNCT
fsr-4128	296	44	;	;	PUNCT
fsr-4128	296	45	(	(	PUNCT
fsr-4128	296	46	b	b	X
fsr-4128	296	47	)	)	PUNCT
fsr-4128	296	48	higher	high	ADJ
fsr-4128	296	49	insurance	insurance	NOUN
fsr-4128	296	50	deductibles	deductible	NOUN
fsr-4128	296	51	lead	lead	VERB
fsr-4128	296	52	to	to	ADP
fsr-4128	296	53	lower	low	ADJ
fsr-4128	296	54	insurance	insurance	NOUN
fsr-4128	296	55	premiums	premium	NOUN
fsr-4128	296	56	(	(	PUNCT
fsr-4128	296	57	true	true	ADJ
fsr-4128	296	58	)	)	PUNCT
fsr-4128	296	59	;	;	PUNCT
fsr-4128	296	60	(	(	PUNCT
fsr-4128	296	61	c	c	X
fsr-4128	296	62	)	)	PUNCT
fsr-4128	296	63	an	an	DET
fsr-4128	296	64	annuity	annuity	NOUN
fsr-4128	296	65	is	be	AUX
fsr-4128	296	66	a	a	DET
fsr-4128	296	67	contract	contract	NOUN
fsr-4128	296	68	issued	issue	VERB
fsr-4128	296	69	by	by	ADP
fsr-4128	296	70	a	a	DET
fsr-4128	296	71	financial	financial	ADJ
fsr-4128	296	72	institution	institution	NOUN
fsr-4128	296	73	that	that	PRON
fsr-4128	296	74	guarantees	guarantee	VERB
fsr-4128	296	75	a	a	DET
fsr-4128	296	76	series	series	NOUN
fsr-4128	296	77	of	of	ADP
fsr-4128	296	78	payments	payment	NOUN
fsr-4128	296	79	over	over	ADP
fsr-4128	296	80	a	a	DET
fsr-4128	296	81	lifetime	lifetime	NOUN
fsr-4128	296	82	(	(	PUNCT
fsr-4128	296	83	true	true	ADJ
fsr-4128	296	84	)	)	PUNCT
fsr-4128	296	85	;	;	PUNCT
fsr-4128	296	86	(	(	PUNCT
fsr-4128	296	87	d	d	X
fsr-4128	296	88	)	)	PUNCT
fsr-4128	296	89	a	a	DET
fsr-4128	296	90	mutual	mutual	ADJ
fsr-4128	296	91	fund	fund	NOUN
fsr-4128	296	92	is	be	AUX
fsr-4128	296	93	an	an	DET
fsr-4128	296	94	investment	investment	NOUN
fsr-4128	296	95	company	company	NOUN
fsr-4128	296	96	that	that	PRON
fsr-4128	296	97	invests	invest	VERB
fsr-4128	296	98	its	its	PRON
fsr-4128	296	99	shareholders	shareholder	NOUN
fsr-4128	296	100	’	'	PUNCT
fsr-4128	296	101	money	money	NOUN
fsr-4128	296	102	in	in	ADP
fsr-4128	296	103	a	a	DET
fsr-4128	296	104	diversified	diversified	ADJ
fsr-4128	296	105	portfolio	portfolio	NOUN
fsr-4128	296	106	of	of	ADP
fsr-4128	296	107	securities	security	NOUN
fsr-4128	296	108	(	(	PUNCT
fsr-4128	296	109	true	true	ADJ
fsr-4128	296	110	)	)	PUNCT
fsr-4128	296	111	;	;	PUNCT
fsr-4128	296	112	(	(	PUNCT
fsr-4128	296	113	e	e	X
fsr-4128	296	114	)	)	PUNCT
fsr-4128	296	115	social	social	ADJ
fsr-4128	296	116	security	security	NOUN
fsr-4128	296	117	and	and	CCONJ
fsr-4128	296	118	company	company	NOUN
fsr-4128	296	119	pension	pension	NOUN
fsr-4128	296	120	plans	plan	NOUN
fsr-4128	296	121	are	be	AUX
fsr-4128	296	122	sufficient	sufficient	ADJ
fsr-4128	296	123	to	to	PART
fsr-4128	296	124	meet	meet	VERB
fsr-4128	296	125	retirement	retirement	NOUN
fsr-4128	296	126	needs	need	NOUN
fsr-4128	296	127	(	(	PUNCT
fsr-4128	296	128	false	false	ADJ
fsr-4128	296	129	)	)	PUNCT
fsr-4128	296	130	;	;	PUNCT
fsr-4128	296	131	and	and	CCONJ
fsr-4128	296	132	(	(	PUNCT
fsr-4128	296	133	f	f	X
fsr-4128	296	134	)	)	PUNCT
fsr-4128	296	135	over	over	ADP
fsr-4128	296	136	20	20	NUM
fsr-4128	296	137	years	year	NOUN
fsr-4128	296	138	,	,	PUNCT
fsr-4128	296	139	you	you	PRON
fsr-4128	296	140	will	will	AUX
fsr-4128	296	141	earn	earn	VERB
fsr-4128	296	142	more	more	ADJ
fsr-4128	296	143	money	money	NOUN
fsr-4128	296	144	if	if	SCONJ
fsr-4128	296	145	you	you	PRON
fsr-4128	296	146	invest	invest	VERB
fsr-4128	296	147	in	in	ADP
fsr-4128	296	148	bonds	bond	NOUN
fsr-4128	296	149	compared	compare	VERB
fsr-4128	296	150	to	to	ADP
fsr-4128	296	151	stocks	stock	NOUN
fsr-4128	296	152	(	(	PUNCT
fsr-4128	296	153	false	false	ADJ
fsr-4128	296	154	)	)	PUNCT
fsr-4128	296	155	.	.	PUNCT
fsr-4128	297	1	other	other	ADJ
fsr-4128	297	2	aspects	aspect	NOUN
fsr-4128	297	3	of	of	ADP
fsr-4128	297	4	wellbeing	wellbee	VERB
fsr-4128	297	5	mental	mental	ADJ
fsr-4128	297	6	wellbeing	wellbee	VERB
fsr-4128	297	7	abbott	abbott	PROPN
fsr-4128	297	8	et	et	PROPN
fsr-4128	297	9	al	al	PROPN
fsr-4128	297	10	.	.	PROPN
fsr-4128	298	1	(	(	PUNCT
fsr-4128	298	2	2006	2006	NUM
fsr-4128	298	3	)	)	PUNCT
fsr-4128	298	4	survey	survey	NOUN
fsr-4128	298	5	:	:	PUNCT
fsr-4128	298	6	sf-36	sf-36	NOUN
fsr-4128	298	7	:	:	PUNCT
fsr-4128	299	1	domains	domain	NOUN
fsr-4128	299	2	relating	relate	VERB
fsr-4128	299	3	to	to	ADP
fsr-4128	299	4	emotional	emotional	ADJ
fsr-4128	299	5	role	role	NOUN
fsr-4128	299	6	functioning	function	VERB
fsr-4128	299	7	;	;	PUNCT
fsr-4128	299	8	and	and	CCONJ
fsr-4128	299	9	mental	mental	ADJ
fsr-4128	299	10	health	health	NOUN
fsr-4128	299	11	.	.	PUNCT
fsr-4128	300	1	brackertz	brackertz	PROPN
fsr-4128	300	2	(	(	PUNCT
fsr-4128	300	3	2014	2014	NUM
fsr-4128	300	4	)	)	PUNCT
fsr-4128	300	5	survey	survey	NOUN
fsr-4128	300	6	:	:	PUNCT
fsr-4128	300	7	i	i	PRON
fsr-4128	300	8	feel	feel	VERB
fsr-4128	300	9	more	more	ADV
fsr-4128	300	10	positive	positive	ADJ
fsr-4128	300	11	about	about	ADP
fsr-4128	300	12	the	the	DET
fsr-4128	300	13	future	future	NOUN
fsr-4128	300	14	.	.	PUNCT
fsr-4128	301	1	my	my	PRON
fsr-4128	301	2	mental	mental	ADJ
fsr-4128	301	3	and/or	and/or	CCONJ
fsr-4128	301	4	emotional	emotional	ADJ
fsr-4128	301	5	wellbeing	wellbeing	NOUN
fsr-4128	301	6	has	have	AUX
fsr-4128	301	7	improved	improve	VERB
fsr-4128	301	8	(	(	PUNCT
fsr-4128	301	9	1	1	NUM
fsr-4128	301	10	-	-	SYM
fsr-4128	301	11	5	5	NUM
fsr-4128	301	12	agree	agree	ADJ
fsr-4128	301	13	-	-	PUNCT
fsr-4128	301	14	disagree	disagree	NOUN
fsr-4128	301	15	scale	scale	NOUN
fsr-4128	301	16	)	)	PUNCT
fsr-4128	301	17	.	.	PUNCT
fsr-4128	302	1	day	day	NOUN
fsr-4128	302	2	et	et	PROPN
fsr-4128	302	3	al	al	PROPN
fsr-4128	302	4	.	.	PROPN
fsr-4128	303	1	(	(	PUNCT
fsr-4128	303	2	2008	2008	NUM
fsr-4128	303	3	)	)	PUNCT
fsr-4128	303	4	interviews	interview	NOUN
fsr-4128	303	5	:	:	PUNCT
fsr-4128	303	6	topic	topic	NOUN
fsr-4128	303	7	guide	guide	NOUN
fsr-4128	303	8	provided	provide	VERB
fsr-4128	303	9	:	:	PUNCT
fsr-4128	303	10	how	how	SCONJ
fsr-4128	303	11	well	well	ADV
fsr-4128	303	12	clients	client	NOUN
fsr-4128	303	13	feel	feel	VERB
fsr-4128	303	14	they	they	PRON
fsr-4128	303	15	are	be	AUX
fsr-4128	303	16	coping	cope	VERB
fsr-4128	303	17	,	,	PUNCT
fsr-4128	303	18	compared	compare	VERB
fsr-4128	303	19	with	with	ADP
fsr-4128	303	20	previous	previous	ADJ
fsr-4128	303	21	financial	financial	ADJ
fsr-4128	303	22	situation	situation	NOUN
fsr-4128	303	23	.	.	PUNCT
fsr-4128	304	1	any	any	DET
fsr-4128	304	2	wider	wide	ADJ
fsr-4128	304	3	benefits	benefit	NOUN
fsr-4128	304	4	of	of	ADP
fsr-4128	304	5	the	the	DET
fsr-4128	304	6	advice	advice	NOUN
fsr-4128	304	7	process	process	NOUN
fsr-4128	304	8	–	–	PUNCT
fsr-4128	304	9	health	health	NOUN
fsr-4128	304	10	,	,	PUNCT
fsr-4128	304	11	employment	employment	NOUN
fsr-4128	304	12	,	,	PUNCT
fsr-4128	304	13	family	family	NOUN
fsr-4128	304	14	,	,	PUNCT
fsr-4128	304	15	etc	etc	X
fsr-4128	304	16	.	.	X
fsr-4128	304	17	irving	irving	PROPN
fsr-4128	304	18	et	et	PROPN
fsr-4128	304	19	al	al	PROPN
fsr-4128	304	20	.	.	PROPN
fsr-4128	305	1	(	(	PUNCT
fsr-4128	305	2	2011	2011	NUM
fsr-4128	305	3	)	)	PUNCT
fsr-4128	305	4	survey	survey	NOUN
fsr-4128	305	5	:	:	PUNCT
fsr-4128	305	6	assess	assess	VERB
fsr-4128	305	7	before	before	ADV
fsr-4128	305	8	and	and	CCONJ
fsr-4128	305	9	after	after	ADP
fsr-4128	305	10	seeking	seek	VERB
fsr-4128	305	11	financial	financial	ADJ
fsr-4128	305	12	advice	advice	NOUN
fsr-4128	305	13	:	:	PUNCT
fsr-4128	305	14	mental	mental	ADJ
fsr-4128	305	15	health	health	NOUN
fsr-4128	305	16	and	and	CCONJ
fsr-4128	305	17	well	well	ADV
fsr-4128	305	18	-	-	PUNCT
fsr-4128	305	19	being	being	NOUN
fsr-4128	305	20	.	.	PUNCT
fsr-4128	306	1	woodhead	woodhead	NOUN
fsr-4128	306	2	et	et	PROPN
fsr-4128	306	3	al	al	PROPN
fsr-4128	306	4	.	.	PROPN
fsr-4128	307	1	(	(	PUNCT
fsr-4128	307	2	2017	2017	NUM
fsr-4128	307	3	)	)	PUNCT
fsr-4128	307	4	survey	survey	NOUN
fsr-4128	307	5	:	:	PUNCT
fsr-4128	307	6	general	general	ADJ
fsr-4128	307	7	health	health	NOUN
fsr-4128	307	8	questionnaire	questionnaire	NOUN
fsr-4128	307	9	(	(	PUNCT
fsr-4128	307	10	ghq-12	ghq-12	NOUN
fsr-4128	307	11	):	):	PUNCT
fsr-4128	307	12	assesses	assesse	NOUN
fsr-4128	307	13	symptoms	symptom	NOUN
fsr-4128	307	14	of	of	ADP
fsr-4128	307	15	mental	mental	ADJ
fsr-4128	307	16	distress	distress	NOUN
fsr-4128	307	17	.	.	PUNCT
fsr-4128	308	1	shortened	shorten	VERB
fsr-4128	308	2	warwick	warwick	PROPN
fsr-4128	308	3	-	-	PUNCT
fsr-4128	308	4	edinburgh	edinburgh	PROPN
fsr-4128	308	5	mental	mental	ADJ
fsr-4128	308	6	well	well	ADV
fsr-4128	308	7	-	-	PUNCT
fsr-4128	308	8	being	being	NOUN
fsr-4128	308	9	scale	scale	NOUN
fsr-4128	308	10	(	(	PUNCT
fsr-4128	308	11	swemwbs	swemwb	NOUN
fsr-4128	308	12	):	):	PUNCT
fsr-4128	308	13	assesses	assesse	NOUN
fsr-4128	308	14	positive	positive	ADJ
fsr-4128	308	15	mental	mental	ADJ
fsr-4128	308	16	health	health	NOUN
fsr-4128	308	17	.	.	PUNCT
fsr-4128	309	1	table	table	NOUN
fsr-4128	309	2	2	2	NUM
fsr-4128	309	3	continued	continue	VERB
fsr-4128	309	4	on	on	ADP
fsr-4128	309	5	next	next	ADJ
fsr-4128	309	6	page	page	NOUN
fsr-4128	309	7	.	.	PUNCT
fsr-4128	310	1	macdonald	macdonald	PROPN
fsr-4128	310	2	et	et	PROPN
fsr-4128	310	3	al	al	PROPN
fsr-4128	310	4	.	.	PROPN
fsr-4128	310	5	149	149	NUM
fsr-4128	310	6	table	table	NOUN
fsr-4128	310	7	2	2	NUM
fsr-4128	310	8	continued	continue	VERB
fsr-4128	310	9	.	.	PUNCT
fsr-4128	311	1	theme	theme	NOUN
fsr-4128	311	2	sub	sub	ADJ
fsr-4128	311	3	-	-	ADJ
fsr-4128	311	4	theme	theme	ADJ
fsr-4128	311	5	author	author	NOUN
fsr-4128	311	6	(	(	PUNCT
fsr-4128	311	7	year	year	NOUN
fsr-4128	311	8	)	)	PUNCT
fsr-4128	311	9	measures	measure	NOUN
fsr-4128	311	10	physical	physical	ADJ
fsr-4128	311	11	wellbeing	wellbee	VERB
fsr-4128	311	12	abbot	abbot	NOUN
fsr-4128	311	13	et	et	PROPN
fsr-4128	311	14	al	al	PROPN
fsr-4128	311	15	.	.	PROPN
fsr-4128	312	1	(	(	PUNCT
fsr-4128	312	2	2006	2006	NUM
fsr-4128	312	3	)	)	PUNCT
fsr-4128	312	4	survey	survey	NOUN
fsr-4128	312	5	:	:	PUNCT
fsr-4128	312	6	sf-36	sf-36	NOUN
fsr-4128	312	7	:	:	PUNCT
fsr-4128	313	1	domains	domain	NOUN
fsr-4128	313	2	relating	relate	VERB
fsr-4128	313	3	to	to	ADP
fsr-4128	313	4	physical	physical	ADJ
fsr-4128	313	5	functioning	functioning	NOUN
fsr-4128	313	6	;	;	PUNCT
fsr-4128	313	7	physical	physical	ADJ
fsr-4128	313	8	role	role	NOUN
fsr-4128	313	9	functioning	functioning	NOUN
fsr-4128	313	10	;	;	PUNCT
fsr-4128	313	11	bodily	bodily	ADJ
fsr-4128	313	12	pain	pain	NOUN
fsr-4128	313	13	;	;	PUNCT
fsr-4128	313	14	self	self	NOUN
fsr-4128	313	15	-	-	PUNCT
fsr-4128	313	16	reported	report	VERB
fsr-4128	313	17	general	general	ADJ
fsr-4128	313	18	health	health	NOUN
fsr-4128	313	19	;	;	PUNCT
fsr-4128	313	20	and	and	CCONJ
fsr-4128	313	21	vitality	vitality	NOUN
fsr-4128	313	22	.	.	PUNCT
fsr-4128	314	1	brackertz	brackertz	PROPN
fsr-4128	314	2	(	(	PUNCT
fsr-4128	314	3	2014	2014	NUM
fsr-4128	314	4	)	)	PUNCT
fsr-4128	314	5	survey	survey	NOUN
fsr-4128	314	6	:	:	PUNCT
fsr-4128	314	7	my	my	PRON
fsr-4128	314	8	physical	physical	ADJ
fsr-4128	314	9	health	health	NOUN
fsr-4128	314	10	has	have	AUX
fsr-4128	314	11	improved	improve	VERB
fsr-4128	314	12	(	(	PUNCT
fsr-4128	314	13	1	1	NUM
fsr-4128	314	14	-	-	SYM
fsr-4128	314	15	5	5	NUM
fsr-4128	314	16	agree	agree	ADJ
fsr-4128	314	17	-	-	PUNCT
fsr-4128	314	18	disagree	disagree	NOUN
fsr-4128	314	19	scale	scale	NOUN
fsr-4128	314	20	)	)	PUNCT
fsr-4128	314	21	.	.	PUNCT
fsr-4128	315	1	day	day	NOUN
fsr-4128	315	2	et	et	PROPN
fsr-4128	315	3	al	al	PROPN
fsr-4128	315	4	.	.	PROPN
fsr-4128	316	1	(	(	PUNCT
fsr-4128	316	2	2008	2008	NUM
fsr-4128	316	3	)	)	PUNCT
fsr-4128	316	4	interviews	interview	NOUN
fsr-4128	316	5	:	:	PUNCT
fsr-4128	316	6	topic	topic	NOUN
fsr-4128	316	7	guide	guide	NOUN
fsr-4128	316	8	provided	provide	VERB
fsr-4128	316	9	:	:	PUNCT
fsr-4128	316	10	any	any	DET
fsr-4128	316	11	wider	wide	ADJ
fsr-4128	316	12	benefits	benefit	NOUN
fsr-4128	316	13	of	of	ADP
fsr-4128	316	14	the	the	DET
fsr-4128	316	15	advice	advice	NOUN
fsr-4128	316	16	process	process	NOUN
fsr-4128	316	17	–	–	PUNCT
fsr-4128	316	18	health	health	NOUN
fsr-4128	316	19	,	,	PUNCT
fsr-4128	316	20	employment	employment	NOUN
fsr-4128	316	21	,	,	PUNCT
fsr-4128	316	22	family	family	NOUN
fsr-4128	316	23	,	,	PUNCT
fsr-4128	316	24	etc	etc	X
fsr-4128	316	25	.	.	X
fsr-4128	317	1	irving	irving	PROPN
fsr-4128	317	2	et	et	PROPN
fsr-4128	317	3	al	al	PROPN
fsr-4128	317	4	.	.	PROPN
fsr-4128	318	1	(	(	PUNCT
fsr-4128	318	2	2011	2011	NUM
fsr-4128	318	3	)	)	PUNCT
fsr-4128	318	4	survey	survey	NOUN
fsr-4128	318	5	:	:	PUNCT
fsr-4128	318	6	assess	assess	VERB
fsr-4128	318	7	before	before	ADV
fsr-4128	318	8	and	and	CCONJ
fsr-4128	318	9	after	after	ADP
fsr-4128	318	10	seeking	seek	VERB
fsr-4128	318	11	financial	financial	ADJ
fsr-4128	318	12	advice	advice	NOUN
fsr-4128	318	13	:	:	PUNCT
fsr-4128	318	14	physical	physical	ADJ
fsr-4128	318	15	health	health	NOUN
fsr-4128	318	16	and	and	CCONJ
fsr-4128	318	17	well	well	ADV
fsr-4128	318	18	-	-	PUNCT
fsr-4128	318	19	being	being	NOUN
fsr-4128	318	20	.	.	PUNCT
fsr-4128	319	1	kim	kim	PROPN
fsr-4128	319	2	et	et	PROPN
fsr-4128	319	3	al	al	PROPN
fsr-4128	319	4	.	.	PROPN
fsr-4128	320	1	(	(	PUNCT
fsr-4128	320	2	2003	2003	NUM
fsr-4128	320	3	)	)	PUNCT
fsr-4128	320	4	survey	survey	NOUN
fsr-4128	320	5	:	:	PUNCT
fsr-4128	320	6	4	4	NUM
fsr-4128	320	7	items	item	NOUN
fsr-4128	320	8	:	:	PUNCT
fsr-4128	320	9	self	self	NOUN
fsr-4128	320	10	-	-	PUNCT
fsr-4128	320	11	reported	report	VERB
fsr-4128	320	12	health	health	NOUN
fsr-4128	320	13	status	status	NOUN
fsr-4128	320	14	;	;	PUNCT
fsr-4128	320	15	experience	experience	NOUN
fsr-4128	320	16	of	of	ADP
fsr-4128	320	17	health	health	NOUN
fsr-4128	320	18	problems	problem	NOUN
fsr-4128	320	19	;	;	PUNCT
fsr-4128	320	20	comparison	comparison	NOUN
fsr-4128	320	21	of	of	ADP
fsr-4128	320	22	physical	physical	ADJ
fsr-4128	320	23	health	health	NOUN
fsr-4128	320	24	with	with	ADP
fsr-4128	320	25	people	people	NOUN
fsr-4128	320	26	their	their	PRON
fsr-4128	320	27	age	age	NOUN
fsr-4128	320	28	;	;	PUNCT
fsr-4128	320	29	experience	experience	NOUN
fsr-4128	320	30	of	of	ADP
fsr-4128	320	31	stress	stress	NOUN
fsr-4128	320	32	(	(	PUNCT
fsr-4128	320	33	noted	note	VERB
fsr-4128	320	34	this	this	PRON
fsr-4128	320	35	is	be	AUX
fsr-4128	320	36	a	a	DET
fsr-4128	320	37	mental	mental	ADJ
fsr-4128	320	38	wellbeing	wellbee	VERB
fsr-4128	320	39	measure	measure	NOUN
fsr-4128	320	40	,	,	PUNCT
fsr-4128	320	41	however	however	ADV
fsr-4128	320	42	for	for	ADP
fsr-4128	320	43	the	the	DET
fsr-4128	320	44	purposes	purpose	NOUN
fsr-4128	320	45	of	of	ADP
fsr-4128	320	46	this	this	DET
fsr-4128	320	47	study	study	NOUN
fsr-4128	320	48	,	,	PUNCT
fsr-4128	320	49	all	all	DET
fsr-4128	320	50	four	four	NUM
fsr-4128	320	51	items	item	NOUN
fsr-4128	320	52	were	be	AUX
fsr-4128	320	53	summed	sum	VERB
fsr-4128	320	54	to	to	PART
fsr-4128	320	55	make	make	VERB
fsr-4128	320	56	a	a	DET
fsr-4128	320	57	composite	composite	ADJ
fsr-4128	320	58	health	health	NOUN
fsr-4128	320	59	score	score	NOUN
fsr-4128	320	60	)	)	PUNCT
fsr-4128	320	61	.	.	PUNCT
fsr-4128	321	1	social	social	ADJ
fsr-4128	321	2	wellbeing	wellbee	VERB
fsr-4128	321	3	abbot	abbot	NOUN
fsr-4128	321	4	et	et	PROPN
fsr-4128	321	5	al	al	PROPN
fsr-4128	321	6	.	.	PROPN
fsr-4128	322	1	(	(	PUNCT
fsr-4128	322	2	2006	2006	NUM
fsr-4128	322	3	)	)	PUNCT
fsr-4128	322	4	survey	survey	NOUN
fsr-4128	322	5	:	:	PUNCT
fsr-4128	322	6	sf-36	sf-36	NUM
fsr-4128	322	7	:	:	PUNCT
fsr-4128	322	8	the	the	DET
fsr-4128	322	9	domain	domain	NOUN
fsr-4128	322	10	relating	relate	VERB
fsr-4128	322	11	to	to	ADP
fsr-4128	322	12	social	social	ADJ
fsr-4128	322	13	functioning	functioning	NOUN
fsr-4128	322	14	.	.	PUNCT
fsr-4128	323	1	brackertz	brackertz	PROPN
fsr-4128	323	2	(	(	PUNCT
fsr-4128	323	3	2014	2014	NUM
fsr-4128	323	4	)	)	PUNCT
fsr-4128	323	5	survey	survey	NOUN
fsr-4128	323	6	:	:	PUNCT
fsr-4128	323	7	my	my	PRON
fsr-4128	323	8	relationship	relationship	NOUN
fsr-4128	323	9	with	with	ADP
fsr-4128	323	10	my	my	PRON
fsr-4128	323	11	family	family	NOUN
fsr-4128	323	12	and	and	CCONJ
fsr-4128	323	13	friends	friend	NOUN
fsr-4128	323	14	have	have	AUX
fsr-4128	323	15	improved	improve	VERB
fsr-4128	323	16	.	.	PUNCT
fsr-4128	324	1	my	my	PRON
fsr-4128	324	2	relationships	relationship	NOUN
fsr-4128	324	3	with	with	ADP
fsr-4128	324	4	my	my	PRON
fsr-4128	324	5	children	child	NOUN
fsr-4128	324	6	has	have	AUX
fsr-4128	324	7	improved	improve	VERB
fsr-4128	324	8	.	.	PUNCT
fsr-4128	325	1	(	(	PUNCT
fsr-4128	325	2	1	1	NUM
fsr-4128	325	3	-	-	SYM
fsr-4128	325	4	5	5	NUM
fsr-4128	325	5	agree	agree	ADJ
fsr-4128	325	6	-	-	PUNCT
fsr-4128	325	7	disagree	disagree	NOUN
fsr-4128	325	8	scale	scale	NOUN
fsr-4128	325	9	)	)	PUNCT
fsr-4128	325	10	.	.	PUNCT
fsr-4128	326	1	day	day	NOUN
fsr-4128	326	2	et	et	PROPN
fsr-4128	326	3	al	al	PROPN
fsr-4128	326	4	.	.	PROPN
fsr-4128	327	1	(	(	PUNCT
fsr-4128	327	2	2008	2008	NUM
fsr-4128	327	3	)	)	PUNCT
fsr-4128	327	4	interviews	interview	NOUN
fsr-4128	327	5	:	:	PUNCT
fsr-4128	327	6	topic	topic	NOUN
fsr-4128	327	7	guide	guide	NOUN
fsr-4128	327	8	provided	provide	VERB
fsr-4128	327	9	:	:	PUNCT
fsr-4128	327	10	any	any	DET
fsr-4128	327	11	wider	wide	ADJ
fsr-4128	327	12	benefits	benefit	NOUN
fsr-4128	327	13	of	of	ADP
fsr-4128	327	14	the	the	DET
fsr-4128	327	15	advice	advice	NOUN
fsr-4128	327	16	process	process	NOUN
fsr-4128	327	17	–	–	PUNCT
fsr-4128	327	18	health	health	NOUN
fsr-4128	327	19	,	,	PUNCT
fsr-4128	327	20	employment	employment	NOUN
fsr-4128	327	21	,	,	PUNCT
fsr-4128	327	22	family	family	NOUN
fsr-4128	327	23	,	,	PUNCT
fsr-4128	327	24	etc	etc	X
fsr-4128	327	25	.	.	X
fsr-4128	328	1	irving	irving	PROPN
fsr-4128	328	2	et	et	PROPN
fsr-4128	328	3	al	al	PROPN
fsr-4128	328	4	.	.	PROPN
fsr-4128	329	1	(	(	PUNCT
fsr-4128	329	2	2011	2011	NUM
fsr-4128	329	3	)	)	PUNCT
fsr-4128	329	4	survey	survey	NOUN
fsr-4128	329	5	:	:	PUNCT
fsr-4128	329	6	assessed	assess	VERB
fsr-4128	329	7	before	before	ADV
fsr-4128	329	8	and	and	CCONJ
fsr-4128	329	9	after	after	ADP
fsr-4128	329	10	seeking	seek	VERB
fsr-4128	329	11	financial	financial	ADJ
fsr-4128	329	12	advice	advice	NOUN
fsr-4128	329	13	:	:	PUNCT
fsr-4128	329	14	social	social	ADJ
fsr-4128	329	15	activities	activity	NOUN
fsr-4128	329	16	;	;	PUNCT
fsr-4128	329	17	social	social	ADJ
fsr-4128	329	18	relationships	relationship	NOUN
fsr-4128	329	19	;	;	PUNCT
fsr-4128	329	20	family	family	NOUN
fsr-4128	329	21	activities	activity	NOUN
fsr-4128	329	22	;	;	PUNCT
fsr-4128	329	23	family	family	NOUN
fsr-4128	329	24	relationships	relationship	NOUN
fsr-4128	329	25	.	.	PUNCT
fsr-4128	330	1	loy	loy	PROPN
fsr-4128	330	2	et	et	PROPN
fsr-4128	330	3	al	al	PROPN
fsr-4128	330	4	.	.	PROPN
fsr-4128	330	5	(	(	PUNCT
fsr-4128	330	6	2021	2021	NUM
fsr-4128	330	7	)	)	PUNCT
fsr-4128	330	8	interviews	interview	NOUN
fsr-4128	330	9	:	:	PUNCT
fsr-4128	330	10	what	what	PRON
fsr-4128	330	11	are	be	AUX
fsr-4128	330	12	the	the	DET
fsr-4128	330	13	key	key	ADJ
fsr-4128	330	14	things	thing	NOUN
fsr-4128	330	15	that	that	PRON
fsr-4128	330	16	financial	financial	ADJ
fsr-4128	330	17	advisors	advisor	NOUN
fsr-4128	330	18	do	do	VERB
fsr-4128	330	19	that	that	PRON
fsr-4128	330	20	help	help	VERB
fsr-4128	330	21	clients	client	NOUN
fsr-4128	330	22	navigate	navigate	VERB
fsr-4128	330	23	a	a	DET
fsr-4128	330	24	crisis	crisis	NOUN
fsr-4128	330	25	situation	situation	NOUN
fsr-4128	330	26	?	?	PUNCT
fsr-4128	331	1	what	what	PRON
fsr-4128	331	2	services	service	NOUN
fsr-4128	331	3	do	do	AUX
fsr-4128	331	4	clients	client	NOUN
fsr-4128	331	5	need	need	VERB
fsr-4128	331	6	from	from	ADP
fsr-4128	331	7	their	their	PRON
fsr-4128	331	8	financial	financial	ADJ
fsr-4128	331	9	adviser	adviser	NOUN
fsr-4128	331	10	during	during	ADP
fsr-4128	331	11	a	a	DET
fsr-4128	331	12	crisis	crisis	NOUN
fsr-4128	331	13	?	?	PUNCT
fsr-4128	332	1	has	have	AUX
fsr-4128	332	2	the	the	DET
fsr-4128	332	3	covid-19	covid-19	PROPN
fsr-4128	332	4	pandemic	pandemic	NOUN
fsr-4128	332	5	had	have	VERB
fsr-4128	332	6	any	any	DET
fsr-4128	332	7	impact	impact	NOUN
fsr-4128	332	8	on	on	ADP
fsr-4128	332	9	your	your	PRON
fsr-4128	332	10	ability	ability	NOUN
fsr-4128	332	11	to	to	PART
fsr-4128	332	12	support	support	VERB
fsr-4128	332	13	and	and	CCONJ
fsr-4128	332	14	provide	provide	VERB
fsr-4128	332	15	advice	advice	NOUN
fsr-4128	332	16	to	to	ADP
fsr-4128	332	17	clients	client	NOUN
fsr-4128	332	18	?	?	PUNCT
fsr-4128	333	1	table	table	NOUN
fsr-4128	333	2	2	2	NUM
fsr-4128	333	3	continued	continue	VERB
fsr-4128	333	4	on	on	ADP
fsr-4128	333	5	next	next	ADJ
fsr-4128	333	6	page	page	NOUN
fsr-4128	333	7	.	.	PUNCT
fsr-4128	334	1	financial	financial	ADJ
fsr-4128	334	2	services	service	NOUN
fsr-4128	334	3	review	review	NOUN
fsr-4128	334	4	,	,	PUNCT
fsr-4128	334	5	33(4	33(4	NUM
fsr-4128	334	6	)	)	PUNCT
fsr-4128	334	7	150	150	NUM
fsr-4128	334	8	table	table	NOUN
fsr-4128	334	9	2	2	NUM
fsr-4128	334	10	continued	continue	VERB
fsr-4128	334	11	.	.	PUNCT
fsr-4128	335	1	theme	theme	NOUN
fsr-4128	335	2	sub	sub	ADJ
fsr-4128	335	3	-	-	ADJ
fsr-4128	335	4	theme	theme	ADJ
fsr-4128	335	5	author	author	NOUN
fsr-4128	335	6	(	(	PUNCT
fsr-4128	335	7	year	year	NOUN
fsr-4128	335	8	)	)	PUNCT
fsr-4128	335	9	measures	measure	VERB
fsr-4128	335	10	quality	quality	NOUN
fsr-4128	335	11	of	of	ADP
fsr-4128	335	12	advice	advice	NOUN
fsr-4128	335	13	hunt	hunt	NOUN
fsr-4128	335	14	et	et	PROPN
fsr-4128	335	15	al	al	PROPN
fsr-4128	335	16	.	.	PROPN
fsr-4128	336	1	(	(	PUNCT
fsr-4128	336	2	2022	2022	NUM
fsr-4128	336	3	)	)	PUNCT
fsr-4128	336	4	survey	survey	NOUN
fsr-4128	336	5	:	:	PUNCT
fsr-4128	336	6	separate	separate	ADJ
fsr-4128	336	7	surveys	survey	NOUN
fsr-4128	336	8	for	for	ADP
fsr-4128	336	9	clients	client	NOUN
fsr-4128	336	10	and	and	CCONJ
fsr-4128	336	11	financial	financial	ADJ
fsr-4128	336	12	planners	planner	NOUN
fsr-4128	336	13	.	.	PUNCT
fsr-4128	337	1	domains	domain	NOUN
fsr-4128	337	2	include	include	VERB
fsr-4128	337	3	:	:	PUNCT
fsr-4128	337	4	trust	trust	NOUN
fsr-4128	337	5	(	(	PUNCT
fsr-4128	337	6	11	11	NUM
fsr-4128	337	7	items	item	NOUN
fsr-4128	337	8	)	)	PUNCT
fsr-4128	337	9	;	;	PUNCT
fsr-4128	337	10	engagement	engagement	NOUN
fsr-4128	337	11	(	(	PUNCT
fsr-4128	337	12	9	9	NUM
fsr-4128	337	13	items	item	NOUN
fsr-4128	337	14	)	)	PUNCT
fsr-4128	337	15	;	;	PUNCT
fsr-4128	337	16	relationship	relationship	NOUN
fsr-4128	337	17	quality	quality	NOUN
fsr-4128	337	18	(	(	PUNCT
fsr-4128	337	19	17	17	NUM
fsr-4128	337	20	items	item	NOUN
fsr-4128	337	21	)	)	PUNCT
fsr-4128	337	22	;	;	PUNCT
fsr-4128	337	23	commitment	commitment	NOUN
fsr-4128	337	24	(	(	PUNCT
fsr-4128	337	25	10	10	NUM
fsr-4128	337	26	items	item	NOUN
fsr-4128	337	27	)	)	PUNCT
fsr-4128	337	28	;	;	PUNCT
fsr-4128	337	29	empowerment	empowerment	NOUN
fsr-4128	337	30	(	(	PUNCT
fsr-4128	337	31	10	10	NUM
fsr-4128	337	32	items	item	NOUN
fsr-4128	337	33	)	)	PUNCT
fsr-4128	337	34	;	;	PUNCT
fsr-4128	337	35	ownership	ownership	NOUN
fsr-4128	337	36	(	(	PUNCT
fsr-4128	337	37	10	10	NUM
fsr-4128	337	38	items	item	NOUN
fsr-4128	337	39	)	)	PUNCT
fsr-4128	337	40	and	and	CCONJ
fsr-4128	337	41	client	client	NOUN
fsr-4128	337	42	activity	activity	NOUN
fsr-4128	337	43	(	(	PUNCT
fsr-4128	337	44	9	9	NUM
fsr-4128	337	45	items	item	NOUN
fsr-4128	337	46	)	)	PUNCT
fsr-4128	337	47	.	.	PUNCT
fsr-4128	338	1	exact	exact	ADJ
fsr-4128	338	2	items	item	NOUN
fsr-4128	338	3	not	not	PART
fsr-4128	338	4	reported	report	VERB
fsr-4128	338	5	but	but	CCONJ
fsr-4128	338	6	original	original	ADJ
fsr-4128	338	7	scales	scale	NOUN
fsr-4128	338	8	are	be	AUX
fsr-4128	338	9	referenced	reference	VERB
fsr-4128	338	10	.	.	PUNCT
fsr-4128	339	1	irving	irving	PROPN
fsr-4128	339	2	et	et	PROPN
fsr-4128	339	3	al	al	PROPN
fsr-4128	339	4	.	.	PROPN
fsr-4128	340	1	(	(	PUNCT
fsr-4128	340	2	2011	2011	NUM
fsr-4128	340	3	)	)	PUNCT
fsr-4128	340	4	survey	survey	NOUN
fsr-4128	340	5	:	:	PUNCT
fsr-4128	340	6	a	a	DET
fsr-4128	340	7	series	series	NOUN
fsr-4128	340	8	of	of	ADP
fsr-4128	340	9	12	12	NUM
fsr-4128	340	10	agree	agree	NOUN
fsr-4128	340	11	-	-	PUNCT
fsr-4128	340	12	disagree	disagree	VERB
fsr-4128	340	13	statements	statement	NOUN
fsr-4128	340	14	on	on	ADP
fsr-4128	340	15	the	the	DET
fsr-4128	340	16	financial	financial	ADJ
fsr-4128	340	17	planning	planning	NOUN
fsr-4128	340	18	process	process	NOUN
fsr-4128	340	19	(	(	PUNCT
fsr-4128	340	20	e.g.	e.g.	ADV
fsr-4128	340	21	,	,	PUNCT
fsr-4128	340	22	provides	provide	VERB
fsr-4128	340	23	a	a	DET
fsr-4128	340	24	professional	professional	ADJ
fsr-4128	340	25	service	service	NOUN
fsr-4128	340	26	;	;	PUNCT
fsr-4128	340	27	listens	listen	VERB
fsr-4128	340	28	to	to	ADP
fsr-4128	340	29	my	my	PRON
fsr-4128	340	30	ideas	idea	NOUN
fsr-4128	340	31	and	and	CCONJ
fsr-4128	340	32	concerns	concern	NOUN
fsr-4128	340	33	;	;	PUNCT
fsr-4128	340	34	takes	take	VERB
fsr-4128	340	35	control	control	NOUN
fsr-4128	340	36	of	of	ADP
fsr-4128	340	37	planning	plan	VERB
fsr-4128	340	38	my	my	PRON
fsr-4128	340	39	financial	financial	ADJ
fsr-4128	340	40	future	future	NOUN
fsr-4128	340	41	for	for	ADP
fsr-4128	340	42	me	i	PRON
fsr-4128	340	43	)	)	PUNCT
fsr-4128	340	44	.	.	PUNCT
fsr-4128	341	1	loy	loy	PROPN
fsr-4128	341	2	et	et	PROPN
fsr-4128	341	3	al	al	PROPN
fsr-4128	341	4	.	.	PROPN
fsr-4128	341	5	(	(	PUNCT
fsr-4128	341	6	2021	2021	NUM
fsr-4128	341	7	)	)	PUNCT
fsr-4128	341	8	interviews	interview	NOUN
fsr-4128	341	9	:	:	PUNCT
fsr-4128	341	10	are	be	AUX
fsr-4128	341	11	there	there	PRON
fsr-4128	341	12	any	any	DET
fsr-4128	341	13	aspects	aspect	NOUN
fsr-4128	341	14	of	of	ADP
fsr-4128	341	15	the	the	DET
fsr-4128	341	16	client	client	NOUN
fsr-4128	341	17	-	-	PUNCT
fsr-4128	341	18	advisor	advisor	NOUN
fsr-4128	341	19	relationship	relationship	NOUN
fsr-4128	341	20	that	that	PRON
fsr-4128	341	21	add	add	VERB
fsr-4128	341	22	value	value	NOUN
fsr-4128	341	23	for	for	ADP
fsr-4128	341	24	clients	client	NOUN
fsr-4128	341	25	during	during	ADP
fsr-4128	341	26	times	time	NOUN
fsr-4128	341	27	of	of	ADP
fsr-4128	341	28	crisis	crisis	NOUN
fsr-4128	341	29	?	?	PUNCT
fsr-4128	342	1	how	how	SCONJ
fsr-4128	342	2	do	do	AUX
fsr-4128	342	3	the	the	DET
fsr-4128	342	4	relationship	relationship	NOUN
fsr-4128	342	5	aspects	aspect	NOUN
fsr-4128	342	6	of	of	ADP
fsr-4128	342	7	providing	provide	VERB
fsr-4128	342	8	advice	advice	NOUN
fsr-4128	342	9	compare	compare	VERB
fsr-4128	342	10	to	to	ADP
fsr-4128	342	11	technical	technical	ADJ
fsr-4128	342	12	advice	advice	NOUN
fsr-4128	342	13	and	and	CCONJ
fsr-4128	342	14	services	service	NOUN
fsr-4128	342	15	you	you	PRON
fsr-4128	342	16	provide	provide	VERB
fsr-4128	342	17	in	in	ADP
fsr-4128	342	18	terms	term	NOUN
fsr-4128	342	19	of	of	ADP
fsr-4128	342	20	importance	importance	NOUN
fsr-4128	342	21	?	?	PUNCT
fsr-4128	343	1	how	how	SCONJ
fsr-4128	343	2	have	have	AUX
fsr-4128	343	3	you	you	PRON
fsr-4128	343	4	managed	manage	VERB
fsr-4128	343	5	relationships	relationship	NOUN
fsr-4128	343	6	with	with	ADP
fsr-4128	343	7	clients	client	NOUN
fsr-4128	343	8	during	during	ADP
fsr-4128	343	9	the	the	DET
fsr-4128	343	10	covid-19	covid-19	PROPN
fsr-4128	343	11	pandemic	pandemic	NOUN
fsr-4128	343	12	?	?	PUNCT
fsr-4128	344	1	montmarquette	montmarquette	PROPN
fsr-4128	344	2	&	&	CCONJ
fsr-4128	344	3	viennot	viennot	PROPN
fsr-4128	344	4	-	-	PUNCT
fsr-4128	344	5	briot	briot	NOUN
fsr-4128	344	6	(	(	PUNCT
fsr-4128	344	7	2015	2015	NUM
fsr-4128	344	8	)	)	PUNCT
fsr-4128	344	9	econometric	econometric	ADJ
fsr-4128	344	10	model	model	NOUN
fsr-4128	344	11	:	:	PUNCT
fsr-4128	344	12	positive	positive	ADJ
fsr-4128	344	13	relationship	relationship	NOUN
fsr-4128	344	14	between	between	ADP
fsr-4128	344	15	having	have	VERB
fsr-4128	344	16	a	a	DET
fsr-4128	344	17	fa	fa	NOUN
fsr-4128	344	18	for	for	ADP
fsr-4128	344	19	at	at	ADV
fsr-4128	344	20	least	least	ADV
fsr-4128	344	21	4	4	NUM
fsr-4128	344	22	years	year	NOUN
fsr-4128	344	23	and	and	CCONJ
fsr-4128	344	24	the	the	DET
fsr-4128	344	25	level	level	NOUN
fsr-4128	344	26	of	of	ADP
fsr-4128	344	27	financial	financial	ADJ
fsr-4128	344	28	assets	asset	NOUN
fsr-4128	344	29	compared	compare	VERB
fsr-4128	344	30	to	to	ADP
fsr-4128	344	31	a	a	DET
fsr-4128	344	32	non	non	ADJ
fsr-4128	344	33	-	-	ADJ
fsr-4128	344	34	advised	advised	ADJ
fsr-4128	344	35	participant	participant	NOUN
fsr-4128	344	36	.	.	PUNCT
fsr-4128	345	1	moderating	moderate	VERB
fsr-4128	345	2	factors	factor	NOUN
fsr-4128	345	3	advisor	advisor	NOUN
fsr-4128	345	4	factors	factor	NOUN
fsr-4128	345	5	irving	irving	PROPN
fsr-4128	345	6	et	et	PROPN
fsr-4128	345	7	al	al	PROPN
fsr-4128	345	8	.	.	PROPN
fsr-4128	346	1	(	(	PUNCT
fsr-4128	346	2	2011	2011	NUM
fsr-4128	346	3	)	)	PUNCT
fsr-4128	346	4	survey	survey	NOUN
fsr-4128	346	5	:	:	PUNCT
fsr-4128	346	6	a	a	DET
fsr-4128	346	7	series	series	NOUN
fsr-4128	346	8	of	of	ADP
fsr-4128	346	9	13	13	NUM
fsr-4128	346	10	agree	agree	NOUN
fsr-4128	346	11	-	-	PUNCT
fsr-4128	346	12	disagree	disagree	VERB
fsr-4128	346	13	statements	statement	NOUN
fsr-4128	346	14	on	on	ADP
fsr-4128	346	15	financial	financial	ADJ
fsr-4128	346	16	planner	planner	NOUN
fsr-4128	346	17	characteristics	characteristic	NOUN
fsr-4128	346	18	(	(	PUNCT
fsr-4128	346	19	e.g.	e.g.	ADV
fsr-4128	346	20	,	,	PUNCT
fsr-4128	346	21	demonstrates	demonstrate	VERB
fsr-4128	346	22	a	a	DET
fsr-4128	346	23	high	high	ADJ
fsr-4128	346	24	level	level	NOUN
fsr-4128	346	25	of	of	ADP
fsr-4128	346	26	knowledge	knowledge	NOUN
fsr-4128	346	27	and	and	CCONJ
fsr-4128	346	28	expertise	expertise	NOUN
fsr-4128	346	29	in	in	ADP
fsr-4128	346	30	financial	financial	ADJ
fsr-4128	346	31	planning	planning	NOUN
fsr-4128	346	32	;	;	PUNCT
fsr-4128	346	33	provides	provide	VERB
fsr-4128	346	34	objective	objective	ADJ
fsr-4128	346	35	advice	advice	NOUN
fsr-4128	346	36	;	;	PUNCT
fsr-4128	346	37	is	be	AUX
fsr-4128	346	38	knowledgeable	knowledgeable	ADJ
fsr-4128	346	39	about	about	ADP
fsr-4128	346	40	the	the	DET
fsr-4128	346	41	performance	performance	NOUN
fsr-4128	346	42	of	of	ADP
fsr-4128	346	43	investments	investment	NOUN
fsr-4128	346	44	)	)	PUNCT
fsr-4128	346	45	.	.	PUNCT
fsr-4128	347	1	client	client	NOUN
fsr-4128	347	2	factors	factor	NOUN
fsr-4128	347	3	loy	loy	PROPN
fsr-4128	347	4	et	et	PROPN
fsr-4128	347	5	al	al	PROPN
fsr-4128	347	6	.	.	PROPN
fsr-4128	348	1	(	(	PUNCT
fsr-4128	348	2	2021	2021	NUM
fsr-4128	348	3	)	)	PUNCT
fsr-4128	348	4	interviews	interview	NOUN
fsr-4128	348	5	:	:	PUNCT
fsr-4128	348	6	how	how	SCONJ
fsr-4128	348	7	have	have	AUX
fsr-4128	348	8	your	your	PRON
fsr-4128	348	9	clients	client	NOUN
fsr-4128	348	10	been	be	AUX
fsr-4128	348	11	more	more	ADV
fsr-4128	348	12	/	/	SYM
fsr-4128	348	13	less	less	ADV
fsr-4128	348	14	engaged	engage	VERB
fsr-4128	348	15	with	with	ADP
fsr-4128	348	16	their	their	PRON
fsr-4128	348	17	finances	finance	NOUN
fsr-4128	348	18	and	and	CCONJ
fsr-4128	348	19	the	the	DET
fsr-4128	348	20	advice	advice	NOUN
fsr-4128	348	21	process	process	NOUN
fsr-4128	348	22	during	during	ADP
fsr-4128	348	23	covid-19	covid-19	PROPN
fsr-4128	348	24	?	?	PUNCT
fsr-4128	349	1	how	how	SCONJ
fsr-4128	349	2	have	have	AUX
fsr-4128	349	3	your	your	PRON
fsr-4128	349	4	clients	client	NOUN
fsr-4128	349	5	reacted	react	VERB
fsr-4128	349	6	to	to	ADP
fsr-4128	349	7	your	your	PRON
fsr-4128	349	8	firm	firm	NOUN
fsr-4128	349	9	’s	’s	PART
fsr-4128	349	10	approach	approach	NOUN
fsr-4128	349	11	to	to	ADP
fsr-4128	349	12	technology	technology	NOUN
fsr-4128	349	13	during	during	ADP
fsr-4128	349	14	the	the	DET
fsr-4128	349	15	covid-19	covid-19	PROPN
fsr-4128	349	16	pandemic	pandemic	NOUN
fsr-4128	349	17	?	?	PUNCT
fsr-4128	350	1	environmental	environmental	ADJ
fsr-4128	350	2	factors	factor	NOUN
fsr-4128	350	3	regulation	regulation	PROPN
fsr-4128	350	4	&	&	CCONJ
fsr-4128	350	5	professional	professional	ADJ
fsr-4128	350	6	standards	standard	NOUN
fsr-4128	350	7	loy	loy	PROPN
fsr-4128	350	8	et	et	PROPN
fsr-4128	350	9	al	al	PROPN
fsr-4128	350	10	.	.	PROPN
fsr-4128	351	1	(	(	PUNCT
fsr-4128	351	2	2023	2023	NUM
fsr-4128	351	3	)	)	PUNCT
fsr-4128	351	4	survey	survey	NOUN
fsr-4128	351	5	:	:	PUNCT
fsr-4128	351	6	a	a	DET
fsr-4128	351	7	series	series	NOUN
fsr-4128	351	8	of	of	ADP
fsr-4128	351	9	8	8	NUM
fsr-4128	351	10	questions	question	NOUN
fsr-4128	351	11	on	on	ADP
fsr-4128	351	12	the	the	DET
fsr-4128	351	13	impact	impact	NOUN
fsr-4128	351	14	of	of	ADP
fsr-4128	351	15	regulatory	regulatory	ADJ
fsr-4128	351	16	change	change	NOUN
fsr-4128	351	17	on	on	ADP
fsr-4128	351	18	an	an	DET
fsr-4128	351	19	advisor	advisor	NOUN
fsr-4128	351	20	’s	’s	PART
fsr-4128	351	21	ability	ability	NOUN
fsr-4128	351	22	to	to	PART
fsr-4128	351	23	add	add	VERB
fsr-4128	351	24	value	value	NOUN
fsr-4128	351	25	for	for	ADP
fsr-4128	351	26	clients	client	NOUN
fsr-4128	351	27	in	in	ADP
fsr-4128	351	28	the	the	DET
fsr-4128	351	29	short	short	ADJ
fsr-4128	351	30	-	-	PUNCT
fsr-4128	351	31	term	term	NOUN
fsr-4128	351	32	and	and	CCONJ
fsr-4128	351	33	long	long	ADJ
fsr-4128	351	34	-	-	PUNCT
fsr-4128	351	35	term	term	NOUN
fsr-4128	351	36	concerning	concern	VERB
fsr-4128	351	37	education	education	NOUN
fsr-4128	351	38	requirements	requirement	NOUN
fsr-4128	351	39	,	,	PUNCT
fsr-4128	351	40	continuing	continue	VERB
fsr-4128	351	41	professional	professional	ADJ
fsr-4128	351	42	development	development	NOUN
fsr-4128	351	43	,	,	PUNCT
fsr-4128	351	44	introduction	introduction	NOUN
fsr-4128	351	45	of	of	ADP
fsr-4128	351	46	a	a	DET
fsr-4128	351	47	code	code	NOUN
fsr-4128	351	48	of	of	ADP
fsr-4128	351	49	ethics	ethic	NOUN
fsr-4128	351	50	,	,	PUNCT
fsr-4128	351	51	ban	ban	NOUN
fsr-4128	351	52	on	on	ADP
fsr-4128	351	53	commissions	commission	NOUN
fsr-4128	351	54	(	(	PUNCT
fsr-4128	351	55	0	0	NUM
fsr-4128	351	56	-	-	SYM
fsr-4128	351	57	10	10	NUM
fsr-4128	351	58	agree	agree	ADJ
fsr-4128	351	59	-	-	PUNCT
fsr-4128	351	60	disagree	disagree	NOUN
fsr-4128	351	61	scale	scale	NOUN
fsr-4128	351	62	)	)	PUNCT
fsr-4128	351	63	.	.	PUNCT
fsr-4128	352	1	macdonald	macdonald	PROPN
fsr-4128	352	2	et	et	PROPN
fsr-4128	352	3	al	al	PROPN
fsr-4128	352	4	.	.	PROPN
fsr-4128	353	1	151	151	NUM
fsr-4128	353	2	table	table	NOUN
fsr-4128	353	3	3	3	NUM
fsr-4128	353	4	.	.	PUNCT
fsr-4128	354	1	the	the	DET
fsr-4128	354	2	value	value	NOUN
fsr-4128	354	3	of	of	ADP
fsr-4128	354	4	financial	financial	ADJ
fsr-4128	354	5	advice	advice	NOUN
fsr-4128	354	6	:	:	PUNCT
fsr-4128	354	7	a	a	DET
fsr-4128	354	8	brief	brief	ADJ
fsr-4128	354	9	summary	summary	NOUN
fsr-4128	354	10	of	of	ADP
fsr-4128	354	11	some	some	DET
fsr-4128	354	12	outcomes	outcome	NOUN
fsr-4128	354	13	theme	theme	VERB
fsr-4128	354	14	nature	nature	NOUN
fsr-4128	354	15	of	of	ADP
fsr-4128	354	16	the	the	DET
fsr-4128	354	17	outcomes	outcome	NOUN
fsr-4128	354	18	author	author	NOUN
fsr-4128	354	19	(	(	PUNCT
fsr-4128	354	20	year	year	NOUN
fsr-4128	354	21	)	)	PUNCT
fsr-4128	354	22	results	result	VERB
fsr-4128	354	23	financial	financial	ADJ
fsr-4128	354	24	wellbeing	wellbee	VERB
fsr-4128	354	25	objective	objective	ADJ
fsr-4128	354	26	measures	measure	NOUN
fsr-4128	354	27	results	result	NOUN
fsr-4128	354	28	tend	tend	VERB
fsr-4128	354	29	to	to	PART
fsr-4128	354	30	be	be	AUX
fsr-4128	354	31	more	more	ADV
fsr-4128	354	32	negative	negative	ADJ
fsr-4128	354	33	than	than	ADP
fsr-4128	354	34	positive	positive	ADJ
fsr-4128	354	35	bluethgen	bluethgen	NOUN
fsr-4128	354	36	,	,	PUNCT
fsr-4128	354	37	gintschel	gintschel	PROPN
fsr-4128	354	38	,	,	PUNCT
fsr-4128	354	39	et	et	PROPN
fsr-4128	354	40	al	al	PROPN
fsr-4128	354	41	.	.	PUNCT
fsr-4128	355	1	(	(	PUNCT
fsr-4128	355	2	2008	2008	NUM
fsr-4128	355	3	)	)	PUNCT
fsr-4128	355	4	advised	advise	VERB
fsr-4128	355	5	clients	client	NOUN
fsr-4128	355	6	have	have	VERB
fsr-4128	355	7	a	a	DET
fsr-4128	355	8	significantly	significantly	ADV
fsr-4128	355	9	larger	large	ADJ
fsr-4128	355	10	allocation	allocation	NOUN
fsr-4128	355	11	to	to	ADP
fsr-4128	355	12	mutual	mutual	ADJ
fsr-4128	355	13	funds	fund	NOUN
fsr-4128	355	14	than	than	ADP
fsr-4128	355	15	non	non	ADJ
fsr-4128	355	16	-	-	ADJ
fsr-4128	355	17	advised	advised	ADJ
fsr-4128	355	18	investors	investor	NOUN
fsr-4128	355	19	,	,	PUNCT
fsr-4128	355	20	but	but	CCONJ
fsr-4128	355	21	increased	increase	VERB
fsr-4128	355	22	diversification	diversification	NOUN
fsr-4128	355	23	is	be	AUX
fsr-4128	355	24	achieved	achieve	VERB
fsr-4128	355	25	by	by	ADP
fsr-4128	355	26	investing	invest	VERB
fsr-4128	355	27	in	in	ADP
fsr-4128	355	28	higher	high	ADJ
fsr-4128	355	29	cost	cost	NOUN
fsr-4128	355	30	mutual	mutual	ADJ
fsr-4128	355	31	funds	fund	NOUN
fsr-4128	355	32	.	.	PUNCT
fsr-4128	356	1	britt	britt	PROPN
fsr-4128	356	2	et	et	PROPN
fsr-4128	356	3	al	al	PROPN
fsr-4128	356	4	.	.	PROPN
fsr-4128	356	5	(	(	PUNCT
fsr-4128	356	6	2015	2015	NUM
fsr-4128	356	7	)	)	PUNCT
fsr-4128	356	8	limited	limited	ADJ
fsr-4128	356	9	improvement	improvement	NOUN
fsr-4128	356	10	in	in	ADP
fsr-4128	356	11	clients	client	NOUN
fsr-4128	356	12	’	'	PUNCT
fsr-4128	356	13	objective	objective	ADJ
fsr-4128	356	14	financial	financial	ADJ
fsr-4128	356	15	knowledge	knowledge	NOUN
fsr-4128	356	16	.	.	PUNCT
fsr-4128	357	1	hackethal	hackethal	PROPN
fsr-4128	357	2	et	et	PROPN
fsr-4128	357	3	al	al	PROPN
fsr-4128	357	4	.	.	PROPN
fsr-4128	358	1	(	(	PUNCT
fsr-4128	358	2	2012	2012	NUM
fsr-4128	358	3	)	)	PUNCT
fsr-4128	358	4	advised	advise	VERB
fsr-4128	358	5	accounts	account	NOUN
fsr-4128	358	6	have	have	VERB
fsr-4128	358	7	on	on	ADP
fsr-4128	358	8	average	average	ADJ
fsr-4128	358	9	lower	low	ADJ
fsr-4128	358	10	net	net	ADJ
fsr-4128	358	11	returns	return	NOUN
fsr-4128	358	12	and	and	CCONJ
fsr-4128	358	13	inferior	inferior	ADJ
fsr-4128	358	14	risk	risk	NOUN
fsr-4128	358	15	-	-	PUNCT
fsr-4128	358	16	return	return	NOUN
fsr-4128	358	17	trade	trade	NOUN
fsr-4128	358	18	-	-	PUNCT
fsr-4128	358	19	offs	off	NOUN
fsr-4128	358	20	(	(	PUNCT
fsr-4128	358	21	sharpe	sharpe	NOUN
fsr-4128	358	22	ratios	ratio	NOUN
fsr-4128	358	23	)	)	PUNCT
fsr-4128	358	24	.	.	PUNCT
fsr-4128	359	1	kramer	kramer	PROPN
fsr-4128	359	2	(	(	PUNCT
fsr-4128	359	3	2012	2012	NUM
fsr-4128	359	4	)	)	PUNCT
fsr-4128	359	5	the	the	DET
fsr-4128	359	6	portfolios	portfolio	NOUN
fsr-4128	359	7	of	of	ADP
fsr-4128	359	8	advised	advise	VERB
fsr-4128	359	9	investors	investor	NOUN
fsr-4128	359	10	are	be	AUX
fsr-4128	359	11	better	well	ADV
fsr-4128	359	12	diversified	diversify	VERB
fsr-4128	359	13	and	and	CCONJ
fsr-4128	359	14	carry	carry	VERB
fsr-4128	359	15	significantly	significantly	ADV
fsr-4128	359	16	less	less	ADV
fsr-4128	359	17	idiosyncratic	idiosyncratic	ADJ
fsr-4128	359	18	risk	risk	NOUN
fsr-4128	359	19	.	.	PUNCT
fsr-4128	360	1	subjective	subjective	ADJ
fsr-4128	360	2	measures	measure	NOUN
fsr-4128	360	3	mostly	mostly	ADV
fsr-4128	360	4	positive	positive	ADJ
fsr-4128	360	5	results	result	NOUN
fsr-4128	360	6	kim	kim	PROPN
fsr-4128	360	7	and	and	CCONJ
fsr-4128	360	8	garman	garman	PROPN
fsr-4128	360	9	(	(	PUNCT
fsr-4128	360	10	2003	2003	NUM
fsr-4128	360	11	)	)	PUNCT
fsr-4128	360	12	clients	client	NOUN
fsr-4128	360	13	reported	report	VERB
fsr-4128	360	14	feeling	feel	VERB
fsr-4128	360	15	more	more	ADV
fsr-4128	360	16	confident	confident	ADJ
fsr-4128	360	17	making	make	VERB
fsr-4128	360	18	investment	investment	NOUN
fsr-4128	360	19	decisions	decision	NOUN
fsr-4128	360	20	.	.	PUNCT
fsr-4128	361	1	lusardi	lusardi	PROPN
fsr-4128	361	2	and	and	CCONJ
fsr-4128	361	3	mitchell	mitchell	PROPN
fsr-4128	361	4	(	(	PUNCT
fsr-4128	361	5	2011	2011	NUM
fsr-4128	361	6	)	)	PUNCT
fsr-4128	361	7	advised	advise	VERB
fsr-4128	361	8	clients	client	NOUN
fsr-4128	361	9	were	be	AUX
fsr-4128	361	10	more	more	ADV
fsr-4128	361	11	likely	likely	ADJ
fsr-4128	361	12	to	to	PART
fsr-4128	361	13	stick	stick	VERB
fsr-4128	361	14	to	to	ADP
fsr-4128	361	15	their	their	PRON
fsr-4128	361	16	retirement	retirement	NOUN
fsr-4128	361	17	plan	plan	NOUN
fsr-4128	361	18	.	.	PUNCT
fsr-4128	362	1	marsden	marsden	PROPN
fsr-4128	362	2	,	,	PUNCT
fsr-4128	362	3	zick	zick	PROPN
fsr-4128	362	4	and	and	CCONJ
fsr-4128	362	5	mayer	mayer	PROPN
fsr-4128	362	6	(	(	PUNCT
fsr-4128	362	7	2011	2011	NUM
fsr-4128	362	8	)	)	PUNCT
fsr-4128	362	9	working	work	VERB
fsr-4128	362	10	with	with	ADP
fsr-4128	362	11	an	an	DET
fsr-4128	362	12	advisor	advisor	NOUN
fsr-4128	362	13	is	be	AUX
fsr-4128	362	14	related	relate	VERB
fsr-4128	362	15	to	to	ADP
fsr-4128	362	16	several	several	ADJ
fsr-4128	362	17	important	important	ADJ
fsr-4128	362	18	financial	financial	ADJ
fsr-4128	362	19	behaviours	behaviour	NOUN
fsr-4128	362	20	,	,	PUNCT
fsr-4128	362	21	including	include	VERB
fsr-4128	362	22	goal	goal	NOUN
fsr-4128	362	23	setting	setting	NOUN
fsr-4128	362	24	,	,	PUNCT
fsr-4128	362	25	calculation	calculation	NOUN
fsr-4128	362	26	of	of	ADP
fsr-4128	362	27	retirement	retirement	NOUN
fsr-4128	362	28	needs	need	NOUN
fsr-4128	362	29	,	,	PUNCT
fsr-4128	362	30	accumulation	accumulation	NOUN
fsr-4128	362	31	of	of	ADP
fsr-4128	362	32	emergency	emergency	NOUN
fsr-4128	362	33	funds	fund	NOUN
fsr-4128	362	34	,	,	PUNCT
fsr-4128	362	35	and	and	CCONJ
fsr-4128	362	36	positive	positive	ADJ
fsr-4128	362	37	behavioral	behavioral	ADJ
fsr-4128	362	38	responses	response	NOUN
fsr-4128	362	39	economic	economic	ADJ
fsr-4128	362	40	crisis	crisis	NOUN
fsr-4128	362	41	.	.	PUNCT
fsr-4128	363	1	pleasence	pleasence	NOUN
fsr-4128	363	2	et	et	PROPN
fsr-4128	363	3	al	al	PROPN
fsr-4128	363	4	.	.	PUNCT
fsr-4128	364	1	(	(	PUNCT
fsr-4128	364	2	2007	2007	NUM
fsr-4128	364	3	)	)	PUNCT
fsr-4128	364	4	the	the	DET
fsr-4128	364	5	majority	majority	NOUN
fsr-4128	364	6	of	of	ADP
fsr-4128	364	7	clients	client	NOUN
fsr-4128	364	8	felt	feel	VERB
fsr-4128	364	9	more	more	ADV
fsr-4128	364	10	knowledgeable	knowledgeable	ADJ
fsr-4128	364	11	about	about	ADP
fsr-4128	364	12	financial	financial	ADJ
fsr-4128	364	13	matters	matter	NOUN
fsr-4128	364	14	after	after	ADP
fsr-4128	364	15	receiving	receive	VERB
fsr-4128	364	16	debt	debt	NOUN
fsr-4128	364	17	advice	advice	NOUN
fsr-4128	364	18	.	.	PUNCT
fsr-4128	365	1	rehl	rehl	NOUN
fsr-4128	365	2	et	et	PROPN
fsr-4128	365	3	al	al	PROPN
fsr-4128	365	4	.	.	PUNCT
fsr-4128	366	1	(	(	PUNCT
fsr-4128	366	2	2016	2016	NUM
fsr-4128	366	3	)	)	PUNCT
fsr-4128	366	4	working	work	VERB
fsr-4128	366	5	with	with	ADP
fsr-4128	366	6	a	a	DET
fsr-4128	366	7	financial	financial	ADJ
fsr-4128	366	8	advisor	advisor	NOUN
fsr-4128	366	9	significantly	significantly	ADV
fsr-4128	366	10	improved	improve	VERB
fsr-4128	366	11	widows	widow	NOUN
fsr-4128	366	12	’	'	PUNCT
fsr-4128	366	13	financial	financial	ADJ
fsr-4128	366	14	confidence	confidence	NOUN
fsr-4128	366	15	in	in	ADP
fsr-4128	366	16	their	their	PRON
fsr-4128	366	17	current	current	ADJ
fsr-4128	366	18	and	and	CCONJ
fsr-4128	366	19	future	future	ADJ
fsr-4128	366	20	financial	financial	ADJ
fsr-4128	366	21	situations	situation	NOUN
fsr-4128	366	22	.	.	PUNCT
fsr-4128	367	1	table	table	NOUN
fsr-4128	367	2	3	3	NUM
fsr-4128	367	3	continued	continue	VERB
fsr-4128	367	4	on	on	ADP
fsr-4128	367	5	next	next	ADJ
fsr-4128	367	6	page	page	NOUN
fsr-4128	367	7	.	.	PUNCT
fsr-4128	368	1	financial	financial	ADJ
fsr-4128	368	2	services	service	NOUN
fsr-4128	368	3	review	review	NOUN
fsr-4128	368	4	,	,	PUNCT
fsr-4128	368	5	33(4	33(4	NUM
fsr-4128	368	6	)	)	PUNCT
fsr-4128	368	7	152	152	NUM
fsr-4128	368	8	table	table	NOUN
fsr-4128	368	9	3	3	NUM
fsr-4128	368	10	continued	continue	VERB
fsr-4128	368	11	.	.	PUNCT
fsr-4128	369	1	theme	theme	NOUN
fsr-4128	369	2	nature	nature	NOUN
fsr-4128	369	3	of	of	ADP
fsr-4128	369	4	the	the	DET
fsr-4128	369	5	outcomes	outcome	NOUN
fsr-4128	369	6	author	author	NOUN
fsr-4128	369	7	(	(	PUNCT
fsr-4128	369	8	year	year	NOUN
fsr-4128	369	9	)	)	PUNCT
fsr-4128	369	10	results	result	VERB
fsr-4128	369	11	other	other	ADJ
fsr-4128	369	12	aspects	aspect	NOUN
fsr-4128	369	13	of	of	ADP
fsr-4128	369	14	wellbeing	wellbee	VERB
fsr-4128	369	15	mental	mental	ADJ
fsr-4128	369	16	wellbeing	wellbee	VERB
fsr-4128	369	17	overwhelmingly	overwhelmingly	ADV
fsr-4128	369	18	positive	positive	ADJ
fsr-4128	369	19	results	result	NOUN
fsr-4128	369	20	abbott	abbott	PROPN
fsr-4128	369	21	et	et	PROPN
fsr-4128	369	22	al	al	PROPN
fsr-4128	369	23	.	.	PROPN
fsr-4128	370	1	(	(	PUNCT
fsr-4128	370	2	2006	2006	NUM
fsr-4128	370	3	)	)	PUNCT
fsr-4128	370	4	clients	client	NOUN
fsr-4128	370	5	who	who	PRON
fsr-4128	370	6	had	have	AUX
fsr-4128	370	7	received	receive	VERB
fsr-4128	370	8	an	an	DET
fsr-4128	370	9	increase	increase	NOUN
fsr-4128	370	10	in	in	ADP
fsr-4128	370	11	welfare	welfare	NOUN
fsr-4128	370	12	benefits	benefit	NOUN
fsr-4128	370	13	had	have	VERB
fsr-4128	370	14	significant	significant	ADJ
fsr-4128	370	15	improvements	improvement	NOUN
fsr-4128	370	16	in	in	ADP
fsr-4128	370	17	mental	mental	ADJ
fsr-4128	370	18	health	health	NOUN
fsr-4128	370	19	and	and	CCONJ
fsr-4128	370	20	emotional	emotional	ADJ
fsr-4128	370	21	role	role	NOUN
fsr-4128	370	22	functioning	function	VERB
fsr-4128	370	23	at	at	ADP
fsr-4128	370	24	the	the	DET
fsr-4128	370	25	12	12	NUM
fsr-4128	370	26	-	-	PUNCT
fsr-4128	370	27	month	month	NOUN
fsr-4128	370	28	follow	follow	NOUN
fsr-4128	370	29	-	-	PUNCT
fsr-4128	370	30	up	up	NOUN
fsr-4128	370	31	,	,	PUNCT
fsr-4128	370	32	compared	compare	VERB
fsr-4128	370	33	to	to	ADP
fsr-4128	370	34	those	those	PRON
fsr-4128	370	35	who	who	PRON
fsr-4128	370	36	did	do	AUX
fsr-4128	370	37	not	not	PART
fsr-4128	370	38	receive	receive	VERB
fsr-4128	370	39	an	an	DET
fsr-4128	370	40	income	income	NOUN
fsr-4128	370	41	increase	increase	NOUN
fsr-4128	370	42	.	.	PUNCT
fsr-4128	371	1	archuleta	archuleta	NOUN
fsr-4128	371	2	et	et	PROPN
fsr-4128	371	3	al	al	PROPN
fsr-4128	371	4	.	.	PROPN
fsr-4128	371	5	(	(	PUNCT
fsr-4128	371	6	2020	2020	NUM
fsr-4128	371	7	)	)	PUNCT
fsr-4128	371	8	brief	brief	ADJ
fsr-4128	371	9	solution	solution	NOUN
fsr-4128	371	10	-	-	PUNCT
fsr-4128	371	11	focused	focus	VERB
fsr-4128	371	12	financial	financial	ADJ
fsr-4128	371	13	therapy	therapy	NOUN
fsr-4128	371	14	helped	helped	AUX
fsr-4128	371	15	reduced	reduce	VERB
fsr-4128	371	16	financial	financial	ADJ
fsr-4128	371	17	anxiety	anxiety	NOUN
fsr-4128	371	18	.	.	PUNCT
fsr-4128	372	1	coredata	coredata	NOUN
fsr-4128	372	2	(	(	PUNCT
fsr-4128	372	3	2020	2020	NUM
fsr-4128	372	4	)	)	PUNCT
fsr-4128	372	5	the	the	DET
fsr-4128	372	6	non	non	ADJ
fsr-4128	372	7	-	-	ADJ
fsr-4128	372	8	advised	advise	VERB
fsr-4128	372	9	are	be	AUX
fsr-4128	372	10	more	more	ADV
fsr-4128	372	11	likely	likely	ADJ
fsr-4128	372	12	to	to	PART
fsr-4128	372	13	experience	experience	VERB
fsr-4128	372	14	negative	negative	ADJ
fsr-4128	372	15	impacts	impact	NOUN
fsr-4128	372	16	on	on	ADP
fsr-4128	372	17	relationships	relationship	NOUN
fsr-4128	372	18	,	,	PUNCT
fsr-4128	372	19	mental	mental	ADJ
fsr-4128	372	20	and	and	CCONJ
fsr-4128	372	21	physical	physical	ADJ
fsr-4128	372	22	wellbeing	wellbeing	NOUN
fsr-4128	372	23	.	.	PUNCT
fsr-4128	373	1	the	the	DET
fsr-4128	373	2	advised	advise	VERB
fsr-4128	373	3	report	report	NOUN
fsr-4128	373	4	improvements	improvement	NOUN
fsr-4128	373	5	in	in	ADP
fsr-4128	373	6	many	many	ADJ
fsr-4128	373	7	areas	area	NOUN
fsr-4128	373	8	of	of	ADP
fsr-4128	373	9	their	their	PRON
fsr-4128	373	10	lives	life	NOUN
fsr-4128	373	11	,	,	PUNCT
fsr-4128	373	12	including	include	VERB
fsr-4128	373	13	their	their	PRON
fsr-4128	373	14	family	family	NOUN
fsr-4128	373	15	relationships	relationship	NOUN
fsr-4128	373	16	,	,	PUNCT
fsr-4128	373	17	social	social	ADJ
fsr-4128	373	18	lives	life	NOUN
fsr-4128	373	19	,	,	PUNCT
fsr-4128	373	20	physical	physical	ADJ
fsr-4128	373	21	health	health	NOUN
fsr-4128	373	22	,	,	PUNCT
fsr-4128	373	23	and	and	CCONJ
fsr-4128	373	24	work	work	NOUN
fsr-4128	373	25	satisfaction	satisfaction	NOUN
fsr-4128	373	26	.	.	PUNCT
fsr-4128	374	1	these	these	DET
fsr-4128	374	2	results	result	NOUN
fsr-4128	374	3	are	be	AUX
fsr-4128	374	4	witnessed	witness	VERB
fsr-4128	374	5	in	in	ADP
fsr-4128	374	6	greater	great	ADJ
fsr-4128	374	7	degrees	degree	NOUN
fsr-4128	374	8	in	in	ADP
fsr-4128	374	9	men	man	NOUN
fsr-4128	374	10	compared	compare	VERB
fsr-4128	374	11	to	to	ADP
fsr-4128	374	12	women	woman	NOUN
fsr-4128	374	13	.	.	PUNCT
fsr-4128	375	1	day	day	NOUN
fsr-4128	375	2	et	et	PROPN
fsr-4128	375	3	al	al	PROPN
fsr-4128	375	4	.	.	PROPN
fsr-4128	376	1	(	(	PUNCT
fsr-4128	376	2	2008	2008	NUM
fsr-4128	376	3	)	)	PUNCT
fsr-4128	376	4	clients	client	NOUN
fsr-4128	376	5	reported	report	VERB
fsr-4128	376	6	feeling	feel	VERB
fsr-4128	376	7	less	less	ADV
fsr-4128	376	8	stressed	stressed	ADJ
fsr-4128	376	9	and	and	CCONJ
fsr-4128	376	10	relieved	relieve	VERB
fsr-4128	376	11	after	after	ADP
fsr-4128	376	12	receiving	receive	VERB
fsr-4128	376	13	advice	advice	NOUN
fsr-4128	376	14	,	,	PUNCT
fsr-4128	376	15	and	and	CCONJ
fsr-4128	376	16	more	more	ADV
fsr-4128	376	17	optimistic	optimistic	ADJ
fsr-4128	376	18	about	about	ADP
fsr-4128	376	19	managing	manage	VERB
fsr-4128	376	20	their	their	PRON
fsr-4128	376	21	future	future	ADJ
fsr-4128	376	22	finances	finance	NOUN
fsr-4128	376	23	.	.	PUNCT
fsr-4128	377	1	pleasence	pleasence	NOUN
fsr-4128	377	2	et	et	PROPN
fsr-4128	377	3	al	al	PROPN
fsr-4128	377	4	.	.	PUNCT
fsr-4128	378	1	(	(	PUNCT
fsr-4128	378	2	2007	2007	NUM
fsr-4128	378	3	)	)	PUNCT
fsr-4128	378	4	clients	client	NOUN
fsr-4128	378	5	felt	feel	VERB
fsr-4128	378	6	their	their	PRON
fsr-4128	378	7	circumstances	circumstance	NOUN
fsr-4128	378	8	had	have	AUX
fsr-4128	378	9	changed	change	VERB
fsr-4128	378	10	for	for	ADP
fsr-4128	378	11	the	the	DET
fsr-4128	378	12	better	well	ADJ
fsr-4128	378	13	following	follow	VERB
fsr-4128	378	14	advice	advice	NOUN
fsr-4128	378	15	;	;	PUNCT
fsr-4128	378	16	for	for	ADP
fsr-4128	378	17	example	example	NOUN
fsr-4128	378	18	,	,	PUNCT
fsr-4128	378	19	they	they	PRON
fsr-4128	378	20	reported	report	VERB
fsr-4128	378	21	less	less	ADJ
fsr-4128	378	22	time	time	NOUN
fsr-4128	378	23	worrying	worry	VERB
fsr-4128	378	24	about	about	ADP
fsr-4128	378	25	their	their	PRON
fsr-4128	378	26	finances	finance	NOUN
fsr-4128	378	27	;	;	PUNCT
fsr-4128	378	28	less	less	ADJ
fsr-4128	378	29	chance	chance	NOUN
fsr-4128	378	30	of	of	ADP
fsr-4128	378	31	‘	'	PUNCT
fsr-4128	378	32	difficulty	difficulty	NOUN
fsr-4128	378	33	living	live	VERB
fsr-4128	378	34	normally	normally	ADV
fsr-4128	378	35	’	'	PUNCT
fsr-4128	378	36	;	;	PUNCT
fsr-4128	378	37	and	and	CCONJ
fsr-4128	378	38	improved	improve	VERB
fsr-4128	378	39	self	self	NOUN
fsr-4128	378	40	-	-	PUNCT
fsr-4128	378	41	reported	report	VERB
fsr-4128	378	42	mental	mental	ADJ
fsr-4128	378	43	and	and	CCONJ
fsr-4128	378	44	physical	physical	ADJ
fsr-4128	378	45	health	health	NOUN
fsr-4128	378	46	.	.	PUNCT
fsr-4128	379	1	physical	physical	ADJ
fsr-4128	379	2	wellbeing	wellbee	VERB
fsr-4128	379	3	mostly	mostly	ADV
fsr-4128	379	4	positive	positive	ADJ
fsr-4128	379	5	results	result	NOUN
fsr-4128	379	6	,	,	PUNCT
fsr-4128	379	7	some	some	DET
fsr-4128	379	8	inconclusive	inconclusive	ADJ
fsr-4128	379	9	results	result	NOUN
fsr-4128	379	10	abbot	abbot	PROPN
fsr-4128	379	11	et	et	PROPN
fsr-4128	379	12	al	al	PROPN
fsr-4128	379	13	.	.	PROPN
fsr-4128	380	1	(	(	PUNCT
fsr-4128	380	2	2006	2006	NUM
fsr-4128	380	3	)	)	PUNCT
fsr-4128	380	4	bodily	bodily	ADJ
fsr-4128	380	5	pain	pain	NOUN
fsr-4128	380	6	symptoms	symptom	NOUN
fsr-4128	380	7	improved	improve	VERB
fsr-4128	380	8	following	follow	VERB
fsr-4128	380	9	advice	advice	NOUN
fsr-4128	380	10	however	however	ADV
fsr-4128	380	11	no	no	DET
fsr-4128	380	12	significant	significant	ADJ
fsr-4128	380	13	improvements	improvement	NOUN
fsr-4128	380	14	were	be	AUX
fsr-4128	380	15	reported	report	VERB
fsr-4128	380	16	in	in	ADP
fsr-4128	380	17	general	general	ADJ
fsr-4128	380	18	health	health	NOUN
fsr-4128	380	19	,	,	PUNCT
fsr-4128	380	20	vitality	vitality	NOUN
fsr-4128	380	21	,	,	PUNCT
fsr-4128	380	22	and	and	CCONJ
fsr-4128	380	23	physical	physical	ADJ
fsr-4128	380	24	role	role	NOUN
fsr-4128	380	25	functioning	function	VERB
fsr-4128	380	26	.	.	PUNCT
fsr-4128	381	1	kim	kim	PROPN
fsr-4128	381	2	et	et	PROPN
fsr-4128	381	3	al	al	PROPN
fsr-4128	381	4	.	.	PROPN
fsr-4128	382	1	(	(	PUNCT
fsr-4128	382	2	2003	2003	NUM
fsr-4128	382	3	)	)	PUNCT
fsr-4128	382	4	in	in	ADP
fsr-4128	382	5	a	a	DET
fsr-4128	382	6	study	study	NOUN
fsr-4128	382	7	comparing	compare	VERB
fsr-4128	382	8	active	active	ADJ
fsr-4128	382	9	and	and	CCONJ
fsr-4128	382	10	non	non	ADJ
fsr-4128	382	11	-	-	ADJ
fsr-4128	382	12	active	active	ADJ
fsr-4128	382	13	credit	credit	NOUN
fsr-4128	382	14	counselling	counselling	NOUN
fsr-4128	382	15	clients	client	NOUN
fsr-4128	382	16	,	,	PUNCT
fsr-4128	382	17	active	active	ADJ
fsr-4128	382	18	clients	client	NOUN
fsr-4128	382	19	improved	improve	VERB
fsr-4128	382	20	in	in	ADP
fsr-4128	382	21	self	self	NOUN
fsr-4128	382	22	-	-	PUNCT
fsr-4128	382	23	reported	report	VERB
fsr-4128	382	24	physical	physical	ADJ
fsr-4128	382	25	health	health	NOUN
fsr-4128	382	26	over	over	ADP
fsr-4128	382	27	an	an	DET
fsr-4128	382	28	18	18	NUM
fsr-4128	382	29	-	-	PUNCT
fsr-4128	382	30	month	month	NOUN
fsr-4128	382	31	period	period	NOUN
fsr-4128	382	32	.	.	PUNCT
fsr-4128	383	1	credit	credit	NOUN
fsr-4128	383	2	counselling	counselling	NOUN
fsr-4128	383	3	had	have	VERB
fsr-4128	383	4	an	an	DET
fsr-4128	383	5	indirect	indirect	ADJ
fsr-4128	383	6	positive	positive	ADJ
fsr-4128	383	7	effect	effect	NOUN
fsr-4128	383	8	on	on	ADP
fsr-4128	383	9	health	health	NOUN
fsr-4128	383	10	via	via	ADP
fsr-4128	383	11	(	(	PUNCT
fsr-4128	383	12	reduced	reduce	VERB
fsr-4128	383	13	)	)	PUNCT
fsr-4128	383	14	financial	financial	ADJ
fsr-4128	383	15	stressor	stressor	NOUN
fsr-4128	383	16	events	event	NOUN
fsr-4128	383	17	and	and	CCONJ
fsr-4128	383	18	(	(	PUNCT
fsr-4128	383	19	improved	improved	ADJ
fsr-4128	383	20	)	)	PUNCT
fsr-4128	383	21	perceived	perceive	VERB
fsr-4128	383	22	financial	financial	ADJ
fsr-4128	383	23	wellbeing	wellbeing	NOUN
fsr-4128	383	24	.	.	PUNCT
fsr-4128	384	1	o’neill	o’neill	INTJ
fsr-4128	384	2	et	et	PROPN
fsr-4128	384	3	al	al	PROPN
fsr-4128	384	4	.	.	PUNCT
fsr-4128	385	1	(	(	PUNCT
fsr-4128	385	2	2006	2006	NUM
fsr-4128	385	3	)	)	PUNCT
fsr-4128	385	4	clients	client	NOUN
fsr-4128	385	5	report	report	VERB
fsr-4128	385	6	improved	improve	VERB
fsr-4128	385	7	health	health	NOUN
fsr-4128	385	8	over	over	ADP
fsr-4128	385	9	time	time	NOUN
fsr-4128	385	10	and	and	CCONJ
fsr-4128	385	11	following	follow	VERB
fsr-4128	385	12	advice	advice	NOUN
fsr-4128	385	13	.	.	PUNCT
fsr-4128	386	1	improved	improved	ADJ
fsr-4128	386	2	health	health	NOUN
fsr-4128	386	3	is	be	AUX
fsr-4128	386	4	associated	associate	VERB
fsr-4128	386	5	with	with	ADP
fsr-4128	386	6	lower	low	ADJ
fsr-4128	386	7	incidence	incidence	NOUN
fsr-4128	386	8	of	of	ADP
fsr-4128	386	9	negative	negative	ADJ
fsr-4128	386	10	financial	financial	ADJ
fsr-4128	386	11	events	event	NOUN
fsr-4128	386	12	,	,	PUNCT
fsr-4128	386	13	lower	low	ADJ
fsr-4128	386	14	financial	financial	ADJ
fsr-4128	386	15	distress	distress	NOUN
fsr-4128	386	16	,	,	PUNCT
fsr-4128	386	17	and	and	CCONJ
fsr-4128	386	18	better	well	ADJ
fsr-4128	386	19	financial	financial	ADJ
fsr-4128	386	20	wellbeing	wellbeing	NOUN
fsr-4128	386	21	.	.	PUNCT
fsr-4128	387	1	table	table	NOUN
fsr-4128	387	2	3	3	NUM
fsr-4128	387	3	continued	continue	VERB
fsr-4128	387	4	on	on	ADP
fsr-4128	387	5	next	next	ADJ
fsr-4128	387	6	page	page	NOUN
fsr-4128	387	7	.	.	PUNCT
fsr-4128	388	1	macdonald	macdonald	PROPN
fsr-4128	388	2	et	et	PROPN
fsr-4128	388	3	al	al	PROPN
fsr-4128	388	4	.	.	PROPN
fsr-4128	388	5	153	153	NUM
fsr-4128	388	6	table	table	NOUN
fsr-4128	388	7	3	3	NUM
fsr-4128	388	8	continued	continue	VERB
fsr-4128	388	9	.	.	PUNCT
fsr-4128	389	1	theme	theme	NOUN
fsr-4128	389	2	nature	nature	NOUN
fsr-4128	389	3	of	of	ADP
fsr-4128	389	4	the	the	DET
fsr-4128	389	5	outcomes	outcome	NOUN
fsr-4128	389	6	author	author	NOUN
fsr-4128	389	7	(	(	PUNCT
fsr-4128	389	8	year	year	NOUN
fsr-4128	389	9	)	)	PUNCT
fsr-4128	389	10	results	result	VERB
fsr-4128	389	11	social	social	ADJ
fsr-4128	389	12	wellbeing	wellbee	VERB
fsr-4128	389	13	mostly	mostly	ADV
fsr-4128	389	14	positive	positive	ADJ
fsr-4128	389	15	results	result	NOUN
fsr-4128	389	16	,	,	PUNCT
fsr-4128	389	17	some	some	DET
fsr-4128	389	18	inconclusive	inconclusive	ADJ
fsr-4128	389	19	results	result	NOUN
fsr-4128	389	20	brackertz	brackertz	PROPN
fsr-4128	389	21	(	(	PUNCT
fsr-4128	389	22	2014	2014	NUM
fsr-4128	389	23	)	)	PUNCT
fsr-4128	389	24	nearly	nearly	ADV
fsr-4128	389	25	half	half	NOUN
fsr-4128	389	26	(	(	PUNCT
fsr-4128	389	27	45	45	NUM
fsr-4128	389	28	%	%	NOUN
fsr-4128	389	29	)	)	PUNCT
fsr-4128	389	30	of	of	ADP
fsr-4128	389	31	advised	advise	VERB
fsr-4128	389	32	clients	client	NOUN
fsr-4128	389	33	reported	report	VERB
fsr-4128	389	34	improvements	improvement	NOUN
fsr-4128	389	35	in	in	ADP
fsr-4128	389	36	relationships	relationship	NOUN
fsr-4128	389	37	with	with	ADP
fsr-4128	389	38	children	child	NOUN
fsr-4128	389	39	,	,	PUNCT
fsr-4128	389	40	family	family	NOUN
fsr-4128	389	41	and	and	CCONJ
fsr-4128	389	42	friends	friend	NOUN
fsr-4128	389	43	.	.	PUNCT
fsr-4128	390	1	irving	irving	PROPN
fsr-4128	390	2	et	et	PROPN
fsr-4128	390	3	al	al	PROPN
fsr-4128	390	4	.	.	PROPN
fsr-4128	391	1	(	(	PUNCT
fsr-4128	391	2	2011	2011	NUM
fsr-4128	391	3	)	)	PUNCT
fsr-4128	391	4	while	while	SCONJ
fsr-4128	391	5	new	new	ADJ
fsr-4128	391	6	clients	client	NOUN
fsr-4128	391	7	reported	report	VERB
fsr-4128	391	8	more	more	ADJ
fsr-4128	391	9	non	non	ADJ
fsr-4128	391	10	-	-	ADJ
fsr-4128	391	11	tangible	tangible	ADJ
fsr-4128	391	12	benefits	benefit	NOUN
fsr-4128	391	13	of	of	ADP
fsr-4128	391	14	advice	advice	NOUN
fsr-4128	391	15	,	,	PUNCT
fsr-4128	391	16	both	both	CCONJ
fsr-4128	391	17	new	new	ADJ
fsr-4128	391	18	and	and	CCONJ
fsr-4128	391	19	existing	exist	VERB
fsr-4128	391	20	clients	client	NOUN
fsr-4128	391	21	reported	report	VERB
fsr-4128	391	22	positive	positive	ADJ
fsr-4128	391	23	benefits	benefit	NOUN
fsr-4128	391	24	to	to	ADP
fsr-4128	391	25	family	family	NOUN
fsr-4128	391	26	relationships	relationship	NOUN
fsr-4128	391	27	,	,	PUNCT
fsr-4128	391	28	family	family	NOUN
fsr-4128	391	29	activities	activity	NOUN
fsr-4128	391	30	,	,	PUNCT
fsr-4128	391	31	and	and	CCONJ
fsr-4128	391	32	social	social	ADJ
fsr-4128	391	33	relationships	relationship	NOUN
fsr-4128	391	34	.	.	PUNCT
fsr-4128	392	1	loy	loy	PROPN
fsr-4128	392	2	et	et	PROPN
fsr-4128	392	3	al	al	PROPN
fsr-4128	392	4	.	.	PROPN
fsr-4128	393	1	(	(	PUNCT
fsr-4128	393	2	2021	2021	NUM
fsr-4128	393	3	)	)	PUNCT
fsr-4128	393	4	advisors	advisor	NOUN
fsr-4128	393	5	discussed	discuss	VERB
fsr-4128	393	6	social	social	ADJ
fsr-4128	393	7	benefits	benefit	NOUN
fsr-4128	393	8	of	of	ADP
fsr-4128	393	9	the	the	DET
fsr-4128	393	10	advisor	advisor	NOUN
fsr-4128	393	11	-	-	PUNCT
fsr-4128	393	12	client	client	NOUN
fsr-4128	393	13	relationship	relationship	NOUN
fsr-4128	393	14	,	,	PUNCT
fsr-4128	393	15	such	such	ADJ
fsr-4128	393	16	as	as	ADP
fsr-4128	393	17	offering	offer	VERB
fsr-4128	393	18	friendship	friendship	NOUN
fsr-4128	393	19	and	and	CCONJ
fsr-4128	393	20	listening	listen	VERB
fsr-4128	393	21	to	to	ADP
fsr-4128	393	22	their	their	PRON
fsr-4128	393	23	concerns	concern	NOUN
fsr-4128	393	24	about	about	ADP
fsr-4128	393	25	the	the	DET
fsr-4128	393	26	changing	change	VERB
fsr-4128	393	27	landscape	landscape	NOUN
fsr-4128	393	28	during	during	ADP
fsr-4128	393	29	covid-19	covid-19	PROPN
fsr-4128	393	30	pleasance	pleasance	NOUN
fsr-4128	393	31	et	et	PROPN
fsr-4128	393	32	al	al	PROPN
fsr-4128	393	33	.	.	PROPN
fsr-4128	394	1	(	(	PUNCT
fsr-4128	394	2	2007	2007	NUM
fsr-4128	394	3	)	)	PUNCT
fsr-4128	394	4	qualitative	qualitative	ADJ
fsr-4128	394	5	results	result	NOUN
fsr-4128	394	6	indicated	indicate	VERB
fsr-4128	394	7	positive	positive	ADJ
fsr-4128	394	8	improvements	improvement	NOUN
fsr-4128	394	9	in	in	ADP
fsr-4128	394	10	parenting	parenting	NOUN
fsr-4128	394	11	and	and	CCONJ
fsr-4128	394	12	family	family	NOUN
fsr-4128	394	13	relationships	relationship	NOUN
fsr-4128	394	14	,	,	PUNCT
fsr-4128	394	15	however	however	ADV
fsr-4128	394	16	these	these	DET
fsr-4128	394	17	results	result	NOUN
fsr-4128	394	18	could	could	AUX
fsr-4128	394	19	not	not	PART
fsr-4128	394	20	be	be	AUX
fsr-4128	394	21	established	establish	VERB
fsr-4128	394	22	through	through	ADP
fsr-4128	394	23	a	a	DET
fsr-4128	394	24	randomized	randomized	ADJ
fsr-4128	394	25	controlled	control	VERB
fsr-4128	394	26	trial	trial	NOUN
fsr-4128	394	27	(	(	PUNCT
fsr-4128	394	28	rct	rct	PROPN
fsr-4128	394	29	)	)	PUNCT
fsr-4128	394	30	due	due	ADP
fsr-4128	394	31	to	to	ADP
fsr-4128	394	32	a	a	DET
fsr-4128	394	33	lack	lack	NOUN
fsr-4128	394	34	of	of	ADP
fsr-4128	394	35	statistical	statistical	ADJ
fsr-4128	394	36	power	power	NOUN
fsr-4128	394	37	.	.	PUNCT
fsr-4128	395	1	quality	quality	NOUN
fsr-4128	395	2	of	of	ADP
fsr-4128	395	3	advice	advice	NOUN
fsr-4128	395	4	overwhelmingly	overwhelmingly	ADV
fsr-4128	395	5	positive	positive	ADJ
fsr-4128	395	6	results	result	NOUN
fsr-4128	395	7	hunt	hunt	VERB
fsr-4128	395	8	et	et	PROPN
fsr-4128	395	9	al	al	PROPN
fsr-4128	395	10	.	.	PROPN
fsr-4128	396	1	(	(	PUNCT
fsr-4128	396	2	2022	2022	NUM
fsr-4128	396	3	)	)	PUNCT
fsr-4128	396	4	relationship	relationship	NOUN
fsr-4128	396	5	quality	quality	NOUN
fsr-4128	396	6	in	in	ADP
fsr-4128	396	7	financial	financial	ADJ
fsr-4128	396	8	advice	advice	NOUN
fsr-4128	396	9	relationship	relationship	NOUN
fsr-4128	396	10	increased	increase	VERB
fsr-4128	396	11	between	between	ADP
fsr-4128	396	12	2009	2009	NUM
fsr-4128	396	13	and	and	CCONJ
fsr-4128	396	14	2016	2016	NUM
fsr-4128	396	15	,	,	PUNCT
fsr-4128	396	16	despite	despite	SCONJ
fsr-4128	396	17	turmoil	turmoil	NOUN
fsr-4128	396	18	and	and	CCONJ
fsr-4128	396	19	change	change	NOUN
fsr-4128	396	20	within	within	ADP
fsr-4128	396	21	the	the	DET
fsr-4128	396	22	sector	sector	NOUN
fsr-4128	396	23	.	.	PUNCT
fsr-4128	397	1	trust	trust	NOUN
fsr-4128	397	2	,	,	PUNCT
fsr-4128	397	3	engagement	engagement	NOUN
fsr-4128	397	4	,	,	PUNCT
fsr-4128	397	5	and	and	CCONJ
fsr-4128	397	6	commitment	commitment	NOUN
fsr-4128	397	7	were	be	AUX
fsr-4128	397	8	the	the	DET
fsr-4128	397	9	key	key	ADJ
fsr-4128	397	10	components	component	NOUN
fsr-4128	397	11	of	of	ADP
fsr-4128	397	12	the	the	DET
fsr-4128	397	13	client	client	NOUN
fsr-4128	397	14	-	-	PUNCT
fsr-4128	397	15	advisor	advisor	NOUN
fsr-4128	397	16	relationship	relationship	NOUN
fsr-4128	397	17	according	accord	VERB
fsr-4128	397	18	to	to	ADP
fsr-4128	397	19	clients	client	NOUN
fsr-4128	397	20	.	.	PUNCT
fsr-4128	398	1	madamba	madamba	PROPN
fsr-4128	398	2	&	&	CCONJ
fsr-4128	398	3	utkus	utkus	PROPN
fsr-4128	398	4	(	(	PUNCT
fsr-4128	398	5	2017	2017	NUM
fsr-4128	398	6	)	)	PUNCT
fsr-4128	398	7	trust	trust	NOUN
fsr-4128	398	8	is	be	AUX
fsr-4128	398	9	positively	positively	ADV
fsr-4128	398	10	associated	associate	VERB
fsr-4128	398	11	with	with	ADP
fsr-4128	398	12	investor	investor	NOUN
fsr-4128	398	13	age	age	NOUN
fsr-4128	398	14	and	and	CCONJ
fsr-4128	398	15	tenure	tenure	NOUN
fsr-4128	398	16	with	with	ADP
fsr-4128	398	17	advisor	advisor	PROPN
fsr-4128	398	18	.	.	PUNCT
fsr-4128	399	1	emotional	emotional	PROPN
fsr-4128	399	2	trust	trust	PROPN
fsr-4128	399	3	had	have	VERB
fsr-4128	399	4	the	the	DET
fsr-4128	399	5	great	great	ADJ
fsr-4128	399	6	impact	impact	NOUN
fsr-4128	399	7	on	on	ADP
fsr-4128	399	8	overall	overall	ADJ
fsr-4128	399	9	trust	trust	NOUN
fsr-4128	399	10	.	.	PUNCT
fsr-4128	400	1	high	high	PROPN
fsr-4128	400	2	trust	trust	NOUN
fsr-4128	400	3	leads	lead	VERB
fsr-4128	400	4	to	to	ADP
fsr-4128	400	5	high	high	ADJ
fsr-4128	400	6	satisfaction	satisfaction	NOUN
fsr-4128	400	7	and	and	CCONJ
fsr-4128	400	8	low	low	ADJ
fsr-4128	400	9	likelihood	likelihood	NOUN
fsr-4128	400	10	of	of	ADP
fsr-4128	400	11	switching	switch	VERB
fsr-4128	400	12	advisors	advisor	NOUN
fsr-4128	400	13	.	.	PUNCT
fsr-4128	401	1	trust	trust	NOUN
fsr-4128	401	2	can	can	AUX
fsr-4128	401	3	be	be	AUX
fsr-4128	401	4	undermined	undermine	VERB
fsr-4128	401	5	by	by	ADP
fsr-4128	401	6	poor	poor	ADJ
fsr-4128	401	7	investment	investment	NOUN
fsr-4128	401	8	performance	performance	NOUN
fsr-4128	401	9	,	,	PUNCT
fsr-4128	401	10	communication	communication	NOUN
fsr-4128	401	11	issues	issue	NOUN
fsr-4128	401	12	,	,	PUNCT
fsr-4128	401	13	neglect	neglect	NOUN
fsr-4128	401	14	,	,	PUNCT
fsr-4128	401	15	and	and	CCONJ
fsr-4128	401	16	advisors	advisor	NOUN
fsr-4128	401	17	’	'	PUNCT
fsr-4128	401	18	self	self	NOUN
fsr-4128	401	19	-	-	PUNCT
fsr-4128	401	20	serving	serve	VERB
fsr-4128	401	21	behavior	behavior	NOUN
fsr-4128	401	22	.	.	PUNCT
fsr-4128	402	1	montmarquette	montmarquette	PROPN
fsr-4128	402	2	&	&	CCONJ
fsr-4128	402	3	viennot	viennot	PROPN
fsr-4128	402	4	-	-	PUNCT
fsr-4128	402	5	briot	briot	NOUN
fsr-4128	402	6	(	(	PUNCT
fsr-4128	402	7	2015	2015	NUM
fsr-4128	402	8	)	)	PUNCT
fsr-4128	402	9	compared	compare	VERB
fsr-4128	402	10	to	to	ADP
fsr-4128	402	11	a	a	DET
fsr-4128	402	12	similar	similar	ADJ
fsr-4128	402	13	long	long	ADV
fsr-4128	402	14	-	-	PUNCT
fsr-4128	402	15	tenured	tenure	VERB
fsr-4128	402	16	(	(	PUNCT
fsr-4128	402	17	15	15	NUM
fsr-4128	402	18	years	year	NOUN
fsr-4128	402	19	or	or	CCONJ
fsr-4128	402	20	more	more	ADJ
fsr-4128	402	21	)	)	PUNCT
fsr-4128	402	22	non	non	ADJ
fsr-4128	402	23	-	-	ADJ
fsr-4128	402	24	advised	advised	ADJ
fsr-4128	402	25	participant	participant	NOUN
fsr-4128	402	26	,	,	PUNCT
fsr-4128	402	27	the	the	DET
fsr-4128	402	28	advised	advise	VERB
fsr-4128	402	29	participant	participant	NOUN
fsr-4128	402	30	has	have	VERB
fsr-4128	402	31	2.73	2.73	NUM
fsr-4128	402	32	times	time	NOUN
fsr-4128	402	33	more	more	ADJ
fsr-4128	402	34	financial	financial	ADJ
fsr-4128	402	35	assets	asset	NOUN
fsr-4128	402	36	.	.	PUNCT
fsr-4128	403	1	the	the	DET
fsr-4128	403	2	result	result	NOUN
fsr-4128	403	3	is	be	AUX
fsr-4128	403	4	too	too	ADV
fsr-4128	403	5	large	large	ADJ
fsr-4128	403	6	to	to	PART
fsr-4128	403	7	be	be	AUX
fsr-4128	403	8	related	relate	VERB
fsr-4128	403	9	to	to	ADP
fsr-4128	403	10	stock	stock	NOUN
fsr-4128	403	11	selection	selection	NOUN
fsr-4128	403	12	alone	alone	ADV
fsr-4128	403	13	and	and	CCONJ
fsr-4128	403	14	is	be	AUX
fsr-4128	403	15	more	more	ADV
fsr-4128	403	16	plausibly	plausibly	ADV
fsr-4128	403	17	associated	associate	VERB
fsr-4128	403	18	with	with	ADP
fsr-4128	403	19	greater	great	ADJ
fsr-4128	403	20	savings	saving	NOUN
fsr-4128	403	21	associated	associate	VERB
fsr-4128	403	22	with	with	ADP
fsr-4128	403	23	having	have	VERB
fsr-4128	403	24	a	a	DET
fsr-4128	403	25	financial	financial	ADJ
fsr-4128	403	26	advisor	advisor	NOUN
fsr-4128	403	27	.	.	PROPN
fsr-4128	403	28	table	table	NOUN
fsr-4128	403	29	3	3	NUM
fsr-4128	403	30	continued	continue	VERB
fsr-4128	403	31	on	on	ADP
fsr-4128	403	32	next	next	ADJ
fsr-4128	403	33	page	page	NOUN
fsr-4128	403	34	.	.	PUNCT
fsr-4128	404	1	financial	financial	ADJ
fsr-4128	404	2	services	service	NOUN
fsr-4128	404	3	review	review	NOUN
fsr-4128	404	4	,	,	PUNCT
fsr-4128	404	5	33(4	33(4	NUM
fsr-4128	404	6	)	)	PUNCT
fsr-4128	404	7	154	154	NUM
fsr-4128	404	8	table	table	NOUN
fsr-4128	404	9	3	3	NUM
fsr-4128	404	10	continued	continue	VERB
fsr-4128	404	11	.	.	PUNCT
fsr-4128	405	1	theme	theme	NOUN
fsr-4128	405	2	nature	nature	NOUN
fsr-4128	405	3	of	of	ADP
fsr-4128	405	4	the	the	DET
fsr-4128	405	5	outcomes	outcome	NOUN
fsr-4128	405	6	author	author	NOUN
fsr-4128	405	7	(	(	PUNCT
fsr-4128	405	8	year	year	NOUN
fsr-4128	405	9	)	)	PUNCT
fsr-4128	405	10	results	result	VERB
fsr-4128	405	11	moderating	moderate	VERB
fsr-4128	405	12	factors	factor	NOUN
fsr-4128	405	13	advisor	advisor	NOUN
fsr-4128	405	14	factors	factor	NOUN
fsr-4128	405	15	mixed	mix	VERB
fsr-4128	405	16	results	result	NOUN
fsr-4128	405	17	bluethgen	bluethgen	PROPN
fsr-4128	405	18	,	,	PUNCT
fsr-4128	405	19	meyer	meyer	PROPN
fsr-4128	405	20	,	,	PUNCT
fsr-4128	405	21	et	et	PROPN
fsr-4128	405	22	al	al	PROPN
fsr-4128	405	23	.	.	PUNCT
fsr-4128	406	1	(	(	PUNCT
fsr-4128	406	2	2008	2008	NUM
fsr-4128	406	3	)	)	PUNCT
fsr-4128	406	4	advisor	advisor	NOUN
fsr-4128	406	5	education	education	NOUN
fsr-4128	406	6	was	be	AUX
fsr-4128	406	7	shown	show	VERB
fsr-4128	406	8	to	to	PART
fsr-4128	406	9	increase	increase	VERB
fsr-4128	406	10	adviser	adviser	NOUN
fsr-4128	406	11	overconfidence	overconfidence	NOUN
fsr-4128	406	12	yet	yet	ADV
fsr-4128	406	13	provided	provide	VERB
fsr-4128	406	14	better	well	ADV
fsr-4128	406	15	riskadjusted	riskadjuste	VERB
fsr-4128	406	16	returns	return	NOUN
fsr-4128	406	17	for	for	ADP
fsr-4128	406	18	clients	client	NOUN
fsr-4128	406	19	.	.	PUNCT
fsr-4128	407	1	hackethal	hackethal	VERB
fsr-4128	407	2	et	et	PROPN
fsr-4128	407	3	al	al	PROPN
fsr-4128	407	4	.	.	PROPN
fsr-4128	408	1	(	(	PUNCT
fsr-4128	408	2	2012	2012	NUM
fsr-4128	408	3	)	)	PUNCT
fsr-4128	408	4	higher	high	ADJ
fsr-4128	408	5	investment	investment	NOUN
fsr-4128	408	6	turnover	turnover	NOUN
fsr-4128	408	7	contributes	contribute	VERB
fsr-4128	408	8	to	to	ADP
fsr-4128	408	9	lower	low	ADJ
fsr-4128	408	10	returns	return	NOUN
fsr-4128	408	11	,	,	PUNCT
fsr-4128	408	12	consistent	consistent	ADJ
fsr-4128	408	13	with	with	ADP
fsr-4128	408	14	commissions	commission	NOUN
fsr-4128	408	15	being	be	AUX
fsr-4128	408	16	the	the	DET
fsr-4128	408	17	main	main	ADJ
fsr-4128	408	18	source	source	NOUN
fsr-4128	408	19	of	of	ADP
fsr-4128	408	20	advisor	advisor	NOUN
fsr-4128	408	21	income	income	NOUN
fsr-4128	408	22	.	.	PUNCT
fsr-4128	409	1	hoechle	hoechle	PROPN
fsr-4128	409	2	et	et	PROPN
fsr-4128	410	1	al	al	PROPN
fsr-4128	410	2	.	.	PROPN
fsr-4128	411	1	(	(	PUNCT
fsr-4128	411	2	2018	2018	NUM
fsr-4128	411	3	)	)	PUNCT
fsr-4128	411	4	a	a	DET
fsr-4128	411	5	generally	generally	ADV
fsr-4128	411	6	independent	independent	ADJ
fsr-4128	411	7	advisor	advisor	NOUN
fsr-4128	411	8	added	add	VERB
fsr-4128	411	9	value	value	NOUN
fsr-4128	411	10	,	,	PUNCT
fsr-4128	411	11	while	while	SCONJ
fsr-4128	411	12	conflicts	conflict	NOUN
fsr-4128	411	13	of	of	ADP
fsr-4128	411	14	interest	interest	NOUN
fsr-4128	411	15	negatively	negatively	ADV
fsr-4128	411	16	impacted	impact	VERB
fsr-4128	411	17	value	value	NOUN
fsr-4128	411	18	.	.	PUNCT
fsr-4128	412	1	client	client	NOUN
fsr-4128	412	2	factors	factor	NOUN
fsr-4128	412	3	mixed	mix	VERB
fsr-4128	412	4	results	result	NOUN
fsr-4128	412	5	bucher	bucher	NOUN
fsr-4128	412	6	-	-	PUNCT
fsr-4128	412	7	koenen	koenen	NOUN
fsr-4128	412	8	et	et	PROPN
fsr-4128	412	9	al	al	PROPN
fsr-4128	412	10	.	.	PROPN
fsr-4128	412	11	(	(	PUNCT
fsr-4128	412	12	2021	2021	NUM
fsr-4128	412	13	)	)	PUNCT
fsr-4128	412	14	women	woman	NOUN
fsr-4128	412	15	(	(	PUNCT
fsr-4128	412	16	but	but	CCONJ
fsr-4128	412	17	not	not	PART
fsr-4128	412	18	men	man	NOUN
fsr-4128	412	19	)	)	PUNCT
fsr-4128	412	20	with	with	ADP
fsr-4128	412	21	higher	high	ADJ
fsr-4128	412	22	financial	financial	ADJ
fsr-4128	412	23	aptitude	aptitude	NOUN
fsr-4128	412	24	reject	reject	VERB
fsr-4128	412	25	advisor	advisor	NOUN
fsr-4128	412	26	recommendations	recommendation	NOUN
fsr-4128	412	27	more	more	ADV
fsr-4128	412	28	frequently	frequently	ADV
fsr-4128	412	29	.	.	PUNCT
fsr-4128	413	1	loy	loy	PROPN
fsr-4128	413	2	et	et	PROPN
fsr-4128	413	3	al	al	PROPN
fsr-4128	413	4	.	.	PROPN
fsr-4128	413	5	(	(	PUNCT
fsr-4128	413	6	2023	2023	NUM
fsr-4128	413	7	)	)	PUNCT
fsr-4128	413	8	a	a	DET
fsr-4128	413	9	lack	lack	NOUN
fsr-4128	413	10	of	of	ADP
fsr-4128	413	11	financial	financial	ADJ
fsr-4128	413	12	literacy	literacy	NOUN
fsr-4128	413	13	in	in	ADP
fsr-4128	413	14	clients	client	NOUN
fsr-4128	413	15	limits	limit	VERB
fsr-4128	413	16	value	value	NOUN
fsr-4128	413	17	because	because	SCONJ
fsr-4128	413	18	the	the	DET
fsr-4128	413	19	consumer	consumer	NOUN
fsr-4128	413	20	is	be	AUX
fsr-4128	413	21	unaware	unaware	ADJ
fsr-4128	413	22	of	of	ADP
fsr-4128	413	23	what	what	PRON
fsr-4128	413	24	an	an	DET
fsr-4128	413	25	advisor	advisor	NOUN
fsr-4128	413	26	can	can	AUX
fsr-4128	413	27	help	help	VERB
fsr-4128	413	28	with	with	ADP
fsr-4128	413	29	,	,	PUNCT
fsr-4128	413	30	has	have	AUX
fsr-4128	413	31	a	a	DET
fsr-4128	413	32	narrow	narrow	ADJ
fsr-4128	413	33	view	view	NOUN
fsr-4128	413	34	of	of	ADP
fsr-4128	413	35	what	what	PRON
fsr-4128	413	36	financial	financial	ADJ
fsr-4128	413	37	advice	advice	NOUN
fsr-4128	413	38	involves	involve	VERB
fsr-4128	413	39	(	(	PUNCT
fsr-4128	413	40	e.g.	e.g.	ADV
fsr-4128	413	41	,	,	PUNCT
fsr-4128	413	42	investments	investment	NOUN
fsr-4128	413	43	and	and	CCONJ
fsr-4128	413	44	retirement	retirement	NOUN
fsr-4128	413	45	saving	saving	NOUN
fsr-4128	413	46	)	)	PUNCT
fsr-4128	413	47	and/or	and/or	CCONJ
fsr-4128	413	48	are	be	AUX
fsr-4128	413	49	unaware	unaware	ADJ
fsr-4128	413	50	of	of	ADP
fsr-4128	413	51	the	the	DET
fsr-4128	413	52	benefits	benefit	NOUN
fsr-4128	413	53	of	of	ADP
fsr-4128	413	54	advice	advice	NOUN
fsr-4128	413	55	.	.	PUNCT
fsr-4128	414	1	environmental	environmental	ADJ
fsr-4128	414	2	factors	factor	NOUN
fsr-4128	414	3	mixed	mix	VERB
fsr-4128	414	4	results	result	NOUN
fsr-4128	414	5	asic	asic	NOUN
fsr-4128	414	6	(	(	PUNCT
fsr-4128	414	7	2019	2019	NUM
fsr-4128	414	8	)	)	PUNCT
fsr-4128	414	9	37	37	NUM
fsr-4128	414	10	%	%	NOUN
fsr-4128	414	11	of	of	ADP
fsr-4128	414	12	participants	participant	NOUN
fsr-4128	414	13	agreed	agree	VERB
fsr-4128	414	14	they	they	PRON
fsr-4128	414	15	could	could	AUX
fsr-4128	414	16	do	do	VERB
fsr-4128	414	17	just	just	ADV
fsr-4128	414	18	as	as	ADV
fsr-4128	414	19	well	well	ADV
fsr-4128	414	20	as	as	ADP
fsr-4128	414	21	a	a	DET
fsr-4128	414	22	financial	financial	ADJ
fsr-4128	414	23	advisor	advisor	NOUN
fsr-4128	414	24	by	by	ADP
fsr-4128	414	25	managing	manage	VERB
fsr-4128	414	26	their	their	PRON
fsr-4128	414	27	own	own	ADJ
fsr-4128	414	28	finances	finance	NOUN
fsr-4128	414	29	.	.	PUNCT
fsr-4128	415	1	some	some	DET
fsr-4128	415	2	participants	participant	NOUN
fsr-4128	415	3	who	who	PRON
fsr-4128	415	4	had	have	VERB
fsr-4128	415	5	a	a	DET
fsr-4128	415	6	good	good	ADJ
fsr-4128	415	7	relationship	relationship	NOUN
fsr-4128	415	8	with	with	ADP
fsr-4128	415	9	their	their	PRON
fsr-4128	415	10	own	own	ADJ
fsr-4128	415	11	advisor	advisor	NOUN
fsr-4128	415	12	still	still	ADV
fsr-4128	415	13	expressed	express	VERB
fsr-4128	415	14	cynicism	cynicism	NOUN
fsr-4128	415	15	about	about	ADP
fsr-4128	415	16	the	the	DET
fsr-4128	415	17	broader	broad	ADJ
fsr-4128	415	18	financial	financial	ADJ
fsr-4128	415	19	advice	advice	NOUN
fsr-4128	415	20	industry	industry	NOUN
fsr-4128	415	21	.	.	PUNCT
fsr-4128	416	1	loy	loy	PROPN
fsr-4128	416	2	et	et	PROPN
fsr-4128	416	3	al	al	PROPN
fsr-4128	416	4	.	.	PROPN
fsr-4128	417	1	(	(	PUNCT
fsr-4128	417	2	2023	2023	NUM
fsr-4128	417	3	)	)	PUNCT
fsr-4128	417	4	financial	financial	ADJ
fsr-4128	417	5	advisors	advisor	NOUN
fsr-4128	417	6	generally	generally	ADV
fsr-4128	417	7	expressed	express	VERB
fsr-4128	417	8	negative	negative	ADJ
fsr-4128	417	9	sentiments	sentiment	NOUN
fsr-4128	417	10	towards	towards	ADP
fsr-4128	417	11	regulation	regulation	NOUN
fsr-4128	417	12	and	and	CCONJ
fsr-4128	417	13	linked	link	VERB
fsr-4128	417	14	it	it	PRON
fsr-4128	417	15	to	to	ADP
fsr-4128	417	16	the	the	DET
fsr-4128	417	17	increased	increase	VERB
fsr-4128	417	18	cost	cost	NOUN
fsr-4128	417	19	to	to	PART
fsr-4128	417	20	serve	serve	VERB
fsr-4128	417	21	clients	client	NOUN
fsr-4128	417	22	.	.	PUNCT
fsr-4128	418	1	however	however	ADV
fsr-4128	418	2	,	,	PUNCT
fsr-4128	418	3	regulatory	regulatory	ADJ
fsr-4128	418	4	changes	change	NOUN
fsr-4128	418	5	aimed	aim	VERB
fsr-4128	418	6	at	at	ADP
fsr-4128	418	7	increasing	increase	VERB
fsr-4128	418	8	advisers	adviser	NOUN
fsr-4128	418	9	’	’	PART
fsr-4128	418	10	skills	skill	NOUN
fsr-4128	418	11	(	(	PUNCT
fsr-4128	418	12	education	education	NOUN
fsr-4128	418	13	and	and	CCONJ
fsr-4128	418	14	continuing	continue	VERB
fsr-4128	418	15	professional	professional	ADJ
fsr-4128	418	16	development	development	NOUN
fsr-4128	418	17	requirements	requirement	NOUN
fsr-4128	418	18	)	)	PUNCT
fsr-4128	418	19	were	be	AUX
fsr-4128	418	20	rated	rate	VERB
fsr-4128	418	21	as	as	ADP
fsr-4128	418	22	having	have	VERB
fsr-4128	418	23	a	a	DET
fsr-4128	418	24	positive	positive	ADJ
fsr-4128	418	25	impact	impact	NOUN
fsr-4128	418	26	on	on	ADP
fsr-4128	418	27	advisors	advisor	NOUN
fsr-4128	418	28	’	'	PUNCT
fsr-4128	418	29	ability	ability	NOUN
fsr-4128	418	30	to	to	PART
fsr-4128	418	31	add	add	VERB
fsr-4128	418	32	value	value	NOUN
fsr-4128	418	33	for	for	ADP
fsr-4128	418	34	clients	client	NOUN
fsr-4128	418	35	,	,	PUNCT
fsr-4128	418	36	with	with	ADP
fsr-4128	418	37	participants	participant	NOUN
fsr-4128	418	38	viewing	view	VERB
fsr-4128	418	39	these	these	DET
fsr-4128	418	40	changes	change	NOUN
fsr-4128	418	41	as	as	ADP
fsr-4128	418	42	positive	positive	ADJ
fsr-4128	418	43	in	in	ADP
fsr-4128	418	44	the	the	DET
fsr-4128	418	45	long	long	ADJ
fsr-4128	418	46	-	-	PUNCT
fsr-4128	418	47	term	term	NOUN
fsr-4128	418	48	.	.	PUNCT
fsr-4128	419	1	macdonald	macdonald	PROPN
fsr-4128	419	2	et	et	PROPN
fsr-4128	419	3	al	al	PROPN
fsr-4128	419	4	.	.	PROPN
fsr-4128	419	5	155	155	NUM
fsr-4128	419	6	conceptual	conceptual	ADJ
fsr-4128	419	7	framework	framework	NOUN
fsr-4128	419	8	this	this	DET
fsr-4128	419	9	review	review	NOUN
fsr-4128	419	10	highlights	highlight	VERB
fsr-4128	419	11	the	the	DET
fsr-4128	419	12	complexity	complexity	NOUN
fsr-4128	419	13	and	and	CCONJ
fsr-4128	419	14	multidimensional	multidimensional	ADJ
fsr-4128	419	15	nature	nature	NOUN
fsr-4128	419	16	of	of	ADP
fsr-4128	419	17	value	value	NOUN
fsr-4128	419	18	in	in	ADP
fsr-4128	419	19	the	the	DET
fsr-4128	419	20	context	context	NOUN
fsr-4128	419	21	of	of	ADP
fsr-4128	419	22	personal	personal	ADJ
fsr-4128	419	23	professional	professional	ADJ
fsr-4128	419	24	financial	financial	ADJ
fsr-4128	419	25	advice	advice	NOUN
fsr-4128	419	26	.	.	PUNCT
fsr-4128	420	1	figures	figure	NOUN
fsr-4128	420	2	1	1	NUM
fsr-4128	420	3	,	,	PUNCT
fsr-4128	420	4	2	2	NUM
fsr-4128	420	5	,	,	PUNCT
fsr-4128	420	6	and	and	CCONJ
fsr-4128	420	7	3	3	NUM
fsr-4128	420	8	address	address	NOUN
fsr-4128	420	9	rq3	rq3	VERB
fsr-4128	420	10	by	by	ADP
fsr-4128	420	11	synthesizing	synthesize	VERB
fsr-4128	420	12	the	the	DET
fsr-4128	420	13	literature	literature	NOUN
fsr-4128	420	14	and	and	CCONJ
fsr-4128	420	15	offering	offer	VERB
fsr-4128	420	16	conceptual	conceptual	ADJ
fsr-4128	420	17	guidance	guidance	NOUN
fsr-4128	420	18	for	for	ADP
fsr-4128	420	19	future	future	ADJ
fsr-4128	420	20	research	research	NOUN
fsr-4128	420	21	.	.	PUNCT
fsr-4128	421	1	these	these	DET
fsr-4128	421	2	figures	figure	NOUN
fsr-4128	421	3	explore	explore	VERB
fsr-4128	421	4	the	the	DET
fsr-4128	421	5	value	value	NOUN
fsr-4128	421	6	of	of	ADP
fsr-4128	421	7	financial	financial	ADJ
fsr-4128	421	8	advice	advice	NOUN
fsr-4128	421	9	through	through	ADP
fsr-4128	421	10	three	three	NUM
fsr-4128	421	11	lenses	lense	NOUN
fsr-4128	421	12	:	:	PUNCT
fsr-4128	421	13	1	1	X
fsr-4128	421	14	)	)	PUNCT
fsr-4128	421	15	the	the	DET
fsr-4128	421	16	financial	financial	ADJ
fsr-4128	421	17	advice	advice	NOUN
fsr-4128	421	18	environment	environment	NOUN
fsr-4128	421	19	;	;	PUNCT
fsr-4128	421	20	2	2	X
fsr-4128	421	21	)	)	PUNCT
fsr-4128	421	22	the	the	DET
fsr-4128	421	23	client	client	NOUN
fsr-4128	421	24	-	-	PUNCT
fsr-4128	421	25	professional	professional	ADJ
fsr-4128	421	26	relationship	relationship	NOUN
fsr-4128	421	27	;	;	PUNCT
fsr-4128	421	28	and	and	CCONJ
fsr-4128	421	29	3	3	X
fsr-4128	421	30	)	)	PUNCT
fsr-4128	421	31	client	client	NOUN
fsr-4128	421	32	wellbeing	wellbee	VERB
fsr-4128	421	33	outcomes	outcome	NOUN
fsr-4128	421	34	,	,	PUNCT
fsr-4128	421	35	informed	inform	VERB
fsr-4128	421	36	by	by	ADP
fsr-4128	421	37	social	social	ADJ
fsr-4128	421	38	support	support	NOUN
fsr-4128	421	39	theory	theory	NOUN
fsr-4128	421	40	as	as	ADP
fsr-4128	421	41	a	a	DET
fsr-4128	421	42	novel	novel	ADJ
fsr-4128	421	43	conceptualization	conceptualization	NOUN
fsr-4128	421	44	of	of	ADP
fsr-4128	421	45	value	value	NOUN
fsr-4128	421	46	.	.	PUNCT
fsr-4128	422	1	figure	figure	NOUN
fsr-4128	422	2	1	1	NUM
fsr-4128	422	3	illustrates	illustrate	VERB
fsr-4128	422	4	the	the	DET
fsr-4128	422	5	financial	financial	ADJ
fsr-4128	422	6	advice	advice	NOUN
fsr-4128	422	7	environment	environment	NOUN
fsr-4128	422	8	placing	place	VERB
fsr-4128	422	9	the	the	DET
fsr-4128	422	10	client	client	NOUN
fsr-4128	422	11	-	-	PUNCT
fsr-4128	422	12	advisor	advisor	NOUN
fsr-4128	422	13	relationship	relationship	NOUN
fsr-4128	422	14	at	at	ADP
fsr-4128	422	15	its	its	PRON
fsr-4128	422	16	core	core	NOUN
fsr-4128	422	17	and	and	CCONJ
fsr-4128	422	18	situating	situate	VERB
fsr-4128	422	19	it	it	PRON
fsr-4128	422	20	within	within	ADP
fsr-4128	422	21	a	a	DET
fsr-4128	422	22	broader	broad	ADJ
fsr-4128	422	23	context	context	NOUN
fsr-4128	422	24	of	of	ADP
fsr-4128	422	25	key	key	ADJ
fsr-4128	422	26	environmental	environmental	ADJ
fsr-4128	422	27	factors	factor	NOUN
fsr-4128	422	28	and	and	CCONJ
fsr-4128	422	29	stakeholders	stakeholder	NOUN
fsr-4128	422	30	.	.	PUNCT
fsr-4128	423	1	this	this	DET
fsr-4128	423	2	model	model	NOUN
fsr-4128	423	3	is	be	AUX
fsr-4128	423	4	particularly	particularly	ADV
fsr-4128	423	5	relevant	relevant	ADJ
fsr-4128	423	6	for	for	ADP
fsr-4128	423	7	understanding	understand	VERB
fsr-4128	423	8	the	the	DET
fsr-4128	423	9	opportunities	opportunity	NOUN
fsr-4128	423	10	and	and	CCONJ
fsr-4128	423	11	constraints	constraint	NOUN
fsr-4128	423	12	faced	face	VERB
fsr-4128	423	13	by	by	ADP
fsr-4128	423	14	australian	australian	ADJ
fsr-4128	423	15	financial	financial	ADJ
fsr-4128	423	16	advisors	advisor	NOUN
fsr-4128	423	17	,	,	PUNCT
fsr-4128	423	18	especially	especially	ADV
fsr-4128	423	19	in	in	ADP
fsr-4128	423	20	light	light	NOUN
fsr-4128	423	21	of	of	ADP
fsr-4128	423	22	ongoing	ongoing	ADJ
fsr-4128	423	23	regulatory	regulatory	ADJ
fsr-4128	423	24	reforms	reform	NOUN
fsr-4128	423	25	and	and	CCONJ
fsr-4128	423	26	the	the	DET
fsr-4128	423	27	timeframe	timeframe	NOUN
fsr-4128	423	28	over	over	ADP
fsr-4128	423	29	which	which	PRON
fsr-4128	423	30	changes	change	NOUN
fsr-4128	423	31	have	have	AUX
fsr-4128	423	32	taken	take	VERB
fsr-4128	423	33	place	place	NOUN
fsr-4128	423	34	and	and	CCONJ
fsr-4128	423	35	continue	continue	VERB
fsr-4128	423	36	to	to	PART
fsr-4128	423	37	occur	occur	VERB
fsr-4128	423	38	.	.	PUNCT
fsr-4128	424	1	importantly	importantly	ADV
fsr-4128	424	2	,	,	PUNCT
fsr-4128	424	3	this	this	DET
fsr-4128	424	4	model	model	NOUN
fsr-4128	424	5	is	be	AUX
fsr-4128	424	6	adaptable	adaptable	ADJ
fsr-4128	424	7	to	to	ADP
fsr-4128	424	8	other	other	ADJ
fsr-4128	424	9	jurisdictions	jurisdiction	NOUN
fsr-4128	424	10	,	,	PUNCT
fsr-4128	424	11	offering	offer	VERB
fsr-4128	424	12	a	a	DET
fsr-4128	424	13	comparative	comparative	ADJ
fsr-4128	424	14	lens	lens	NOUN
fsr-4128	424	15	for	for	ADP
fsr-4128	424	16	international	international	ADJ
fsr-4128	424	17	research	research	NOUN
fsr-4128	424	18	.	.	PUNCT
fsr-4128	425	1	figure	figure	NOUN
fsr-4128	425	2	1	1	NUM
fsr-4128	425	3	.	.	PUNCT
fsr-4128	426	1	the	the	DET
fsr-4128	426	2	financial	financial	ADJ
fsr-4128	426	3	advice	advice	NOUN
fsr-4128	426	4	environment	environment	NOUN
fsr-4128	426	5	note	note	NOUN
fsr-4128	426	6	:	:	PUNCT
fsr-4128	426	7	reproduced	reproduce	VERB
fsr-4128	426	8	from	from	ADP
fsr-4128	426	9	authors	author	NOUN
fsr-4128	426	10	’	'	PUNCT
fsr-4128	426	11	own	own	ADJ
fsr-4128	426	12	work	work	NOUN
fsr-4128	426	13	in	in	ADP
fsr-4128	426	14	loy	loy	PROPN
fsr-4128	426	15	et	et	PROPN
fsr-4128	426	16	al	al	PROPN
fsr-4128	426	17	.	.	PROPN
fsr-4128	426	18	,	,	PUNCT
fsr-4128	426	19	2023	2023	NUM
fsr-4128	426	20	figure	figure	NOUN
fsr-4128	426	21	2	2	NUM
fsr-4128	426	22	shifts	shift	NOUN
fsr-4128	426	23	focus	focus	VERB
fsr-4128	426	24	to	to	ADP
fsr-4128	426	25	the	the	DET
fsr-4128	426	26	client	client	NOUN
fsr-4128	426	27	-	-	PUNCT
fsr-4128	426	28	advisor	advisor	NOUN
fsr-4128	426	29	dyad	dyad	NOUN
fsr-4128	426	30	,	,	PUNCT
fsr-4128	426	31	presenting	present	VERB
fsr-4128	426	32	financial	financial	ADJ
fsr-4128	426	33	advice	advice	NOUN
fsr-4128	426	34	as	as	ADP
fsr-4128	426	35	an	an	DET
fsr-4128	426	36	interactive	interactive	ADJ
fsr-4128	426	37	,	,	PUNCT
fsr-4128	426	38	relational	relational	ADJ
fsr-4128	426	39	,	,	PUNCT
fsr-4128	426	40	and	and	CCONJ
fsr-4128	426	41	reflective	reflective	ADJ
fsr-4128	426	42	process	process	NOUN
fsr-4128	426	43	.	.	PUNCT
fsr-4128	427	1	thematic	thematic	ADJ
fsr-4128	427	2	analysis	analysis	NOUN
fsr-4128	427	3	underpinning	underpin	VERB
fsr-4128	427	4	this	this	DET
fsr-4128	427	5	review	review	NOUN
fsr-4128	427	6	reveals	reveal	VERB
fsr-4128	427	7	that	that	SCONJ
fsr-4128	427	8	client	client	NOUN
fsr-4128	427	9	outcomes	outcome	NOUN
fsr-4128	427	10	extend	extend	VERB
fsr-4128	427	11	beyond	beyond	ADP
fsr-4128	427	12	financial	financial	ADJ
fsr-4128	427	13	metrics	metric	NOUN
fsr-4128	427	14	(	(	PUNCT
fsr-4128	427	15	subjective	subjective	ADJ
fsr-4128	427	16	and	and	CCONJ
fsr-4128	427	17	objective	objective	ADJ
fsr-4128	427	18	measures	measure	NOUN
fsr-4128	427	19	)	)	PUNCT
fsr-4128	427	20	,	,	PUNCT
fsr-4128	427	21	to	to	PART
fsr-4128	427	22	encompass	encompass	VERB
fsr-4128	427	23	mental	mental	ADJ
fsr-4128	427	24	,	,	PUNCT
fsr-4128	427	25	physical	physical	ADJ
fsr-4128	427	26	,	,	PUNCT
fsr-4128	427	27	and	and	CCONJ
fsr-4128	427	28	social	social	ADJ
fsr-4128	427	29	wellbeing	wellbeing	NOUN
fsr-4128	427	30	.	.	PUNCT
fsr-4128	428	1	the	the	DET
fsr-4128	428	2	findings	finding	NOUN
fsr-4128	428	3	of	of	ADP
fsr-4128	428	4	this	this	DET
fsr-4128	428	5	narrative	narrative	ADJ
fsr-4128	428	6	review	review	NOUN
fsr-4128	428	7	suggest	suggest	VERB
fsr-4128	428	8	that	that	SCONJ
fsr-4128	428	9	a	a	DET
fsr-4128	428	10	well	well	ADV
fsr-4128	428	11	-	-	PUNCT
fsr-4128	428	12	rounded	round	VERB
fsr-4128	428	13	financial	financial	ADJ
fsr-4128	428	14	advisor	advisor	NOUN
fsr-4128	428	15	often	often	ADV
fsr-4128	428	16	functions	function	VERB
fsr-4128	428	17	similarly	similarly	ADV
fsr-4128	428	18	to	to	ADP
fsr-4128	428	19	a	a	DET
fsr-4128	428	20	support	support	NOUN
fsr-4128	428	21	provider	provider	NOUN
fsr-4128	428	22	.	.	PUNCT
fsr-4128	429	1	accordingly	accordingly	ADV
fsr-4128	429	2	,	,	PUNCT
fsr-4128	429	3	value	value	NOUN
fsr-4128	429	4	is	be	AUX
fsr-4128	429	5	conceptualized	conceptualize	VERB
fsr-4128	429	6	as	as	ADP
fsr-4128	429	7	a	a	DET
fsr-4128	429	8	dynamic	dynamic	ADJ
fsr-4128	429	9	and	and	CCONJ
fsr-4128	429	10	evolving	evolve	VERB
fsr-4128	429	11	process	process	NOUN
fsr-4128	429	12	that	that	PRON
fsr-4128	429	13	,	,	PUNCT
fsr-4128	429	14	amongst	amongst	ADP
fsr-4128	429	15	other	other	ADJ
fsr-4128	429	16	moderating	moderating	NOUN
fsr-4128	429	17	variables	variable	NOUN
fsr-4128	429	18	,	,	PUNCT
fsr-4128	429	19	is	be	AUX
fsr-4128	429	20	shaped	shape	VERB
fsr-4128	429	21	by	by	ADP
fsr-4128	429	22	advisor	advisor	NOUN
fsr-4128	429	23	actions	action	NOUN
fsr-4128	429	24	throughout	throughout	ADP
fsr-4128	429	25	the	the	DET
fsr-4128	429	26	financial	financial	ADJ
fsr-4128	429	27	planning	planning	NOUN
fsr-4128	429	28	process	process	NOUN
fsr-4128	429	29	.	.	PUNCT
fsr-4128	430	1	social	social	ADJ
fsr-4128	430	2	support	support	NOUN
fsr-4128	430	3	theory	theory	NOUN
fsr-4128	430	4	provides	provide	VERB
fsr-4128	430	5	a	a	DET
fsr-4128	430	6	compelling	compelling	ADJ
fsr-4128	430	7	framework	framework	NOUN
fsr-4128	430	8	for	for	ADP
fsr-4128	430	9	examining	examine	VERB
fsr-4128	430	10	the	the	DET
fsr-4128	430	11	dual	dual	ADJ
fsr-4128	430	12	role	role	NOUN
fsr-4128	430	13	of	of	ADP
fsr-4128	430	14	financial	financial	ADJ
fsr-4128	430	15	advisors	advisor	NOUN
fsr-4128	430	16	as	as	ADP
fsr-4128	430	17	both	both	DET
fsr-4128	430	18	technical	technical	ADJ
fsr-4128	430	19	experts	expert	NOUN
fsr-4128	430	20	and	and	CCONJ
fsr-4128	430	21	emotional	emotional	ADJ
fsr-4128	430	22	supports	support	NOUN
fsr-4128	430	23	.	.	PUNCT
fsr-4128	431	1	it	it	PRON
fsr-4128	431	2	emphasizes	emphasize	VERB
fsr-4128	431	3	the	the	DET
fsr-4128	431	4	importance	importance	NOUN
fsr-4128	431	5	of	of	ADP
fsr-4128	431	6	timely	timely	ADJ
fsr-4128	431	7	,	,	PUNCT
fsr-4128	431	8	adequate	adequate	ADJ
fsr-4128	431	9	support	support	NOUN
fsr-4128	431	10	in	in	ADP
fsr-4128	431	11	stressful	stressful	ADJ
fsr-4128	431	12	situations	situation	NOUN
fsr-4128	431	13	,	,	PUNCT
fsr-4128	431	14	the	the	DET
fsr-4128	431	15	strength	strength	NOUN
fsr-4128	431	16	of	of	ADP
fsr-4128	431	17	dyadic	dyadic	ADJ
fsr-4128	431	18	relationships	relationship	NOUN
fsr-4128	431	19	in	in	ADP
fsr-4128	431	20	fostering	foster	VERB
fsr-4128	431	21	resilience	resilience	NOUN
fsr-4128	431	22	and	and	CCONJ
fsr-4128	431	23	growth	growth	NOUN
fsr-4128	431	24	,	,	PUNCT
fsr-4128	431	25	and	and	CCONJ
fsr-4128	431	26	the	the	DET
fsr-4128	431	27	interconnectedness	interconnectedness	NOUN
fsr-4128	431	28	of	of	ADP
fsr-4128	431	29	wellbeing	wellbee	VERB
fsr-4128	431	30	domains	domain	NOUN
fsr-4128	431	31	(	(	PUNCT
fsr-4128	431	32	e.g.	e.g.	ADV
fsr-4128	431	33	,	,	PUNCT
fsr-4128	431	34	cohen	cohen	PROPN
fsr-4128	431	35	&	&	CCONJ
fsr-4128	431	36	wills	will	NOUN
fsr-4128	431	37	,	,	PUNCT
fsr-4128	431	38	1985	1985	NUM
fsr-4128	431	39	;	;	PUNCT
fsr-4128	431	40	feeney	feeney	PROPN
fsr-4128	431	41	&	&	CCONJ
fsr-4128	431	42	collins	collins	PROPN
fsr-4128	431	43	,	,	PUNCT
fsr-4128	431	44	2015	2015	NUM
fsr-4128	431	45	;	;	PUNCT
fsr-4128	431	46	holt	holt	PROPN
fsr-4128	431	47	-	-	PUNCT
fsr-4128	431	48	lunstad	lunstad	PROPN
fsr-4128	431	49	,	,	PUNCT
fsr-4128	431	50	2018	2018	NUM
fsr-4128	431	51	)	)	PUNCT
fsr-4128	431	52	.	.	PUNCT
fsr-4128	432	1	figure	figure	NOUN
fsr-4128	432	2	2	2	NUM
fsr-4128	432	3	overlays	overlay	VERB
fsr-4128	432	4	advisor	advisor	NOUN
fsr-4128	432	5	actions	action	NOUN
fsr-4128	432	6	onto	onto	ADP
fsr-4128	432	7	cohen	cohen	PROPN
fsr-4128	432	8	&	&	CCONJ
fsr-4128	432	9	wills	wills	PROPN
fsr-4128	432	10	’	'	PUNCT
fsr-4128	432	11	(	(	PUNCT
fsr-4128	432	12	1985	1985	NUM
fsr-4128	432	13	)	)	PUNCT
fsr-4128	432	14	four	four	NUM
fsr-4128	432	15	functional	functional	ADJ
fsr-4128	432	16	domains	domain	NOUN
fsr-4128	432	17	of	of	ADP
fsr-4128	432	18	social	social	ADJ
fsr-4128	432	19	support	support	NOUN
fsr-4128	432	20	:	:	PUNCT
fsr-4128	432	21	1	1	X
fsr-4128	432	22	)	)	PUNCT
fsr-4128	432	23	emotional	emotional	ADJ
fsr-4128	432	24	and	and	CCONJ
fsr-4128	432	25	esteem	esteem	VERB
fsr-4128	432	26	support	support	NOUN
fsr-4128	432	27	–	–	PUNCT
fsr-4128	432	28	offering	offer	VERB
fsr-4128	432	29	empathy	empathy	NOUN
fsr-4128	432	30	and	and	CCONJ
fsr-4128	432	31	validation	validation	NOUN
fsr-4128	432	32	;	;	PUNCT
fsr-4128	432	33	2	2	X
fsr-4128	432	34	)	)	PUNCT
fsr-4128	432	35	social	social	ADJ
fsr-4128	432	36	support	support	NOUN
fsr-4128	432	37	–	–	PUNCT
fsr-4128	432	38	spending	spend	VERB
fsr-4128	432	39	time	time	NOUN
fsr-4128	432	40	to	to	PART
fsr-4128	432	41	alleviate	alleviate	VERB
fsr-4128	432	42	financial	financial	ADJ
fsr-4128	432	43	stress	stress	NOUN
fsr-4128	432	44	;	;	PUNCT
fsr-4128	432	45	3	3	X
fsr-4128	432	46	)	)	PUNCT
fsr-4128	432	47	informational	informational	ADJ
fsr-4128	432	48	and	and	CCONJ
fsr-4128	432	49	appraisal	appraisal	NOUN
fsr-4128	432	50	support	support	NOUN
fsr-4128	432	51	–	–	PUNCT
fsr-4128	432	52	providing	provide	VERB
fsr-4128	432	53	facts	fact	NOUN
fsr-4128	432	54	,	,	PUNCT
fsr-4128	432	55	feedback	feedback	NOUN
fsr-4128	432	56	and	and	CCONJ
fsr-4128	432	57	educational	educational	ADJ
fsr-4128	432	58	guidance	guidance	NOUN
fsr-4128	432	59	to	to	PART
fsr-4128	432	60	enhance	enhance	VERB
fsr-4128	432	61	financial	financial	ADJ
fsr-4128	432	62	knowledge	knowledge	NOUN
fsr-4128	432	63	and	and	CCONJ
fsr-4128	432	64	capability	capability	NOUN
fsr-4128	432	65	;	;	PUNCT
fsr-4128	432	66	and	and	CCONJ
fsr-4128	432	67	4	4	X
fsr-4128	432	68	)	)	PUNCT
fsr-4128	432	69	instrumental	instrumental	ADJ
fsr-4128	432	70	support	support	NOUN
fsr-4128	432	71	–	–	PUNCT
fsr-4128	432	72	delivering	deliver	VERB
fsr-4128	432	73	financial	financial	ADJ
fsr-4128	432	74	products	product	NOUN
fsr-4128	432	75	and	and	CCONJ
fsr-4128	432	76	services	service	NOUN
fsr-4128	432	77	.	.	PUNCT
fsr-4128	433	1	administrative	administrative	ADJ
fsr-4128	433	2	broader	broad	ADJ
fsr-4128	433	3	environment	environment	NOUN
fsr-4128	433	4	constraint	constraint	NOUN
fsr-4128	433	5	s	s	PART
fsr-4128	433	6	business	business	NOUN
fsr-4128	433	7	financial	financial	PROPN
fsr-4128	433	8	services	service	NOUN
fsr-4128	433	9	review	review	NOUN
fsr-4128	433	10	,	,	PUNCT
fsr-4128	433	11	33(4	33(4	NUM
fsr-4128	433	12	)	)	PUNCT
fsr-4128	433	13	156	156	NUM
fsr-4128	433	14	figure	figure	NOUN
fsr-4128	433	15	2	2	NUM
fsr-4128	433	16	.	.	PUNCT
fsr-4128	434	1	the	the	DET
fsr-4128	434	2	dynamics	dynamic	NOUN
fsr-4128	434	3	of	of	ADP
fsr-4128	434	4	the	the	DET
fsr-4128	434	5	client	client	NOUN
fsr-4128	434	6	-	-	PUNCT
fsr-4128	434	7	advisor	advisor	NOUN
fsr-4128	434	8	relationship	relationship	NOUN
fsr-4128	434	9	note	note	NOUN
fsr-4128	434	10	:	:	PUNCT
fsr-4128	434	11	reproduced	reproduce	VERB
fsr-4128	434	12	from	from	ADP
fsr-4128	434	13	authors	author	NOUN
fsr-4128	434	14	’	'	PUNCT
fsr-4128	434	15	own	own	ADJ
fsr-4128	434	16	work	work	NOUN
fsr-4128	434	17	in	in	ADP
fsr-4128	434	18	loy	loy	PROPN
fsr-4128	434	19	et	et	PROPN
fsr-4128	434	20	al	al	PROPN
fsr-4128	434	21	.	.	PROPN
fsr-4128	434	22	,	,	PUNCT
fsr-4128	434	23	2023	2023	NUM
fsr-4128	434	24	to	to	PART
fsr-4128	434	25	realize	realize	VERB
fsr-4128	434	26	the	the	DET
fsr-4128	434	27	full	full	ADJ
fsr-4128	434	28	potential	potential	NOUN
fsr-4128	434	29	of	of	ADP
fsr-4128	434	30	the	the	DET
fsr-4128	434	31	financial	financial	ADJ
fsr-4128	434	32	advice	advice	NOUN
fsr-4128	434	33	profession	profession	NOUN
fsr-4128	434	34	,	,	PUNCT
fsr-4128	434	35	particularly	particularly	ADV
fsr-4128	434	36	in	in	ADP
fsr-4128	434	37	addressing	address	VERB
fsr-4128	434	38	unmet	unmet	NOUN
fsr-4128	434	39	needs	need	VERB
fsr-4128	434	40	such	such	ADJ
fsr-4128	434	41	as	as	ADP
fsr-4128	434	42	retirement	retirement	NOUN
fsr-4128	434	43	planning	planning	NOUN
fsr-4128	434	44	,	,	PUNCT
fsr-4128	434	45	greater	great	ADJ
fsr-4128	434	46	research	research	NOUN
fsr-4128	434	47	attention	attention	NOUN
fsr-4128	434	48	must	must	AUX
fsr-4128	434	49	be	be	AUX
fsr-4128	434	50	directed	direct	VERB
fsr-4128	434	51	towards	towards	ADP
fsr-4128	434	52	client	client	NOUN
fsr-4128	434	53	outcomes	outcome	NOUN
fsr-4128	434	54	.	.	PUNCT
fsr-4128	435	1	while	while	SCONJ
fsr-4128	435	2	figure	figure	NOUN
fsr-4128	435	3	2	2	NUM
fsr-4128	435	4	presents	present	VERB
fsr-4128	435	5	an	an	DET
fsr-4128	435	6	interdisciplinary	interdisciplinary	ADJ
fsr-4128	435	7	model	model	NOUN
fsr-4128	435	8	of	of	ADP
fsr-4128	435	9	wellbeing	wellbeing	NOUN
fsr-4128	435	10	and	and	CCONJ
fsr-4128	435	11	support	support	NOUN
fsr-4128	435	12	,	,	PUNCT
fsr-4128	435	13	figure	figure	VERB
fsr-4128	435	14	3	3	NUM
fsr-4128	435	15	extends	extend	VERB
fsr-4128	435	16	this	this	DET
fsr-4128	435	17	approach	approach	NOUN
fsr-4128	435	18	by	by	ADP
fsr-4128	435	19	offering	offer	VERB
fsr-4128	435	20	a	a	DET
fsr-4128	435	21	model	model	NOUN
fsr-4128	435	22	that	that	PRON
fsr-4128	435	23	encapsulates	encapsulate	VERB
fsr-4128	435	24	the	the	DET
fsr-4128	435	25	multifaceted	multifaceted	ADJ
fsr-4128	435	26	nature	nature	NOUN
fsr-4128	435	27	of	of	ADP
fsr-4128	435	28	value	value	NOUN
fsr-4128	435	29	in	in	ADP
fsr-4128	435	30	financial	financial	ADJ
fsr-4128	435	31	advice	advice	NOUN
fsr-4128	435	32	.	.	PUNCT
fsr-4128	436	1	it	it	PRON
fsr-4128	436	2	recognizes	recognize	VERB
fsr-4128	436	3	that	that	SCONJ
fsr-4128	436	4	a	a	DET
fsr-4128	436	5	single	single	ADJ
fsr-4128	436	6	advisor	advisor	NOUN
fsr-4128	436	7	action	action	NOUN
fsr-4128	436	8	may	may	AUX
fsr-4128	436	9	influence	influence	VERB
fsr-4128	436	10	multiple	multiple	ADJ
fsr-4128	436	11	wellbeing	wellbee	VERB
fsr-4128	436	12	domains	domain	NOUN
fsr-4128	436	13	and	and	CCONJ
fsr-4128	436	14	that	that	SCONJ
fsr-4128	436	15	these	these	DET
fsr-4128	436	16	outcomes	outcome	NOUN
fsr-4128	436	17	are	be	AUX
fsr-4128	436	18	interrelated	interrelate	VERB
fsr-4128	436	19	,	,	PUNCT
fsr-4128	436	20	with	with	ADP
fsr-4128	436	21	direct	direct	ADJ
fsr-4128	436	22	effects	effect	NOUN
fsr-4128	436	23	in	in	ADP
fsr-4128	436	24	one	one	NUM
fsr-4128	436	25	area	area	NOUN
fsr-4128	436	26	potentially	potentially	ADV
fsr-4128	436	27	producing	produce	VERB
fsr-4128	436	28	indirect	indirect	ADJ
fsr-4128	436	29	effects	effect	NOUN
fsr-4128	436	30	in	in	ADP
fsr-4128	436	31	others	other	NOUN
fsr-4128	436	32	.	.	PUNCT
fsr-4128	437	1	this	this	DET
fsr-4128	437	2	narrative	narrative	NOUN
fsr-4128	437	3	review	review	NOUN
fsr-4128	437	4	lays	lay	VERB
fsr-4128	437	5	the	the	DET
fsr-4128	437	6	foundation	foundation	NOUN
fsr-4128	437	7	for	for	ADP
fsr-4128	437	8	future	future	ADJ
fsr-4128	437	9	research	research	NOUN
fsr-4128	437	10	by	by	ADP
fsr-4128	437	11	offering	offer	VERB
fsr-4128	437	12	recommendations	recommendation	NOUN
fsr-4128	437	13	in	in	ADP
fsr-4128	437	14	the	the	DET
fsr-4128	437	15	next	next	ADJ
fsr-4128	437	16	section	section	NOUN
fsr-4128	437	17	.	.	PUNCT
fsr-4128	438	1	these	these	PRON
fsr-4128	438	2	aim	aim	VERB
fsr-4128	438	3	to	to	PART
fsr-4128	438	4	guide	guide	VERB
fsr-4128	438	5	further	further	ADJ
fsr-4128	438	6	exploration	exploration	NOUN
fsr-4128	438	7	of	of	ADP
fsr-4128	438	8	existing	exist	VERB
fsr-4128	438	9	value	value	NOUN
fsr-4128	438	10	constructs	construct	NOUN
fsr-4128	438	11	using	use	VERB
fsr-4128	438	12	innovative	innovative	ADJ
fsr-4128	438	13	methodologies	methodology	NOUN
fsr-4128	438	14	and	and	CCONJ
fsr-4128	438	15	to	to	PART
fsr-4128	438	16	expand	expand	VERB
fsr-4128	438	17	the	the	DET
fsr-4128	438	18	literature	literature	NOUN
fsr-4128	438	19	through	through	ADP
fsr-4128	438	20	new	new	ADJ
fsr-4128	438	21	conceptualizations	conceptualization	NOUN
fsr-4128	438	22	of	of	ADP
fsr-4128	438	23	which	which	PRON
fsr-4128	438	24	figure	figure	NOUN
fsr-4128	438	25	3	3	NUM
fsr-4128	438	26	serves	serve	VERB
fsr-4128	438	27	as	as	ADP
fsr-4128	438	28	a	a	DET
fsr-4128	438	29	key	key	ADJ
fsr-4128	438	30	exemplar	exemplar	NOUN
fsr-4128	438	31	.	.	PUNCT
fsr-4128	439	1	figure	figure	NOUN
fsr-4128	439	2	3	3	NUM
fsr-4128	439	3	.	.	PUNCT
fsr-4128	440	1	the	the	DET
fsr-4128	440	2	value	value	NOUN
fsr-4128	440	3	of	of	ADP
fsr-4128	440	4	financial	financial	ADJ
fsr-4128	440	5	advice	advice	NOUN
fsr-4128	440	6	:	:	PUNCT
fsr-4128	440	7	a	a	DET
fsr-4128	440	8	conceptual	conceptual	ADJ
fsr-4128	440	9	framework	framework	NOUN
fsr-4128	440	10	note	note	NOUN
fsr-4128	440	11	:	:	PUNCT
fsr-4128	440	12	adapted	adapt	VERB
fsr-4128	440	13	from	from	ADP
fsr-4128	440	14	authors	author	NOUN
fsr-4128	440	15	’	'	PUNCT
fsr-4128	440	16	own	own	ADJ
fsr-4128	440	17	work	work	NOUN
fsr-4128	440	18	in	in	ADP
fsr-4128	440	19	loy	loy	PROPN
fsr-4128	440	20	et	et	PROPN
fsr-4128	440	21	al	al	PROPN
fsr-4128	440	22	.	.	PROPN
fsr-4128	440	23	,	,	PUNCT
fsr-4128	440	24	2021	2021	NUM
fsr-4128	440	25	,	,	PUNCT
fsr-4128	440	26	2023	2023	NUM
fsr-4128	440	27	conclusion	conclusion	NOUN
fsr-4128	440	28	in	in	ADP
fsr-4128	440	29	an	an	DET
fsr-4128	440	30	increasingly	increasingly	ADV
fsr-4128	440	31	complex	complex	ADJ
fsr-4128	440	32	and	and	CCONJ
fsr-4128	440	33	informationrich	informationrich	NOUN
fsr-4128	440	34	world	world	NOUN
fsr-4128	440	35	,	,	PUNCT
fsr-4128	440	36	individuals	individual	NOUN
fsr-4128	440	37	face	face	VERB
fsr-4128	440	38	heightened	heightened	ADJ
fsr-4128	440	39	uncertainty	uncertainty	NOUN
fsr-4128	440	40	and	and	CCONJ
fsr-4128	440	41	decision	decision	NOUN
fsr-4128	440	42	fatigue	fatigue	NOUN
fsr-4128	440	43	,	,	PUNCT
fsr-4128	440	44	prompting	prompt	VERB
fsr-4128	440	45	a	a	DET
fsr-4128	440	46	growing	grow	VERB
fsr-4128	440	47	reliance	reliance	NOUN
fsr-4128	440	48	on	on	ADP
fsr-4128	440	49	expert	expert	NOUN
fsr-4128	440	50	advice	advice	NOUN
fsr-4128	440	51	.	.	PUNCT
fsr-4128	441	1	financial	financial	ADJ
fsr-4128	441	2	advisors	advisor	NOUN
fsr-4128	441	3	are	be	AUX
fsr-4128	441	4	widely	widely	ADV
fsr-4128	441	5	recognized	recognize	VERB
fsr-4128	441	6	as	as	ADP
fsr-4128	441	7	experts	expert	NOUN
fsr-4128	441	8	;	;	PUNCT
fsr-4128	441	9	however	however	ADV
fsr-4128	441	10	,	,	PUNCT
fsr-4128	441	11	consumer	consumer	NOUN
fsr-4128	441	12	trust	trust	NOUN
fsr-4128	441	13	in	in	ADP
fsr-4128	441	14	the	the	DET
fsr-4128	441	15	long	long	ADJ
fsr-4128	441	16	-	-	PUNCT
fsr-4128	441	17	term	term	NOUN
fsr-4128	441	18	macdonald	macdonald	PROPN
fsr-4128	441	19	et	et	PROPN
fsr-4128	441	20	al	al	PROPN
fsr-4128	441	21	.	.	PROPN
fsr-4128	442	1	157	157	NUM
fsr-4128	442	2	outcomes	outcome	NOUN
fsr-4128	442	3	of	of	ADP
fsr-4128	442	4	financial	financial	ADJ
fsr-4128	442	5	advice	advice	NOUN
fsr-4128	442	6	remains	remain	VERB
fsr-4128	442	7	limited	limited	ADJ
fsr-4128	442	8	.	.	PUNCT
fsr-4128	443	1	historically	historically	ADV
fsr-4128	443	2	,	,	PUNCT
fsr-4128	443	3	the	the	DET
fsr-4128	443	4	value	value	NOUN
fsr-4128	443	5	of	of	ADP
fsr-4128	443	6	financial	financial	ADJ
fsr-4128	443	7	advice	advice	NOUN
fsr-4128	443	8	has	have	AUX
fsr-4128	443	9	been	be	AUX
fsr-4128	443	10	assessed	assess	VERB
fsr-4128	443	11	primarily	primarily	ADV
fsr-4128	443	12	through	through	ADP
fsr-4128	443	13	objective	objective	ADJ
fsr-4128	443	14	financial	financial	ADJ
fsr-4128	443	15	metrics	metric	NOUN
fsr-4128	443	16	such	such	ADJ
fsr-4128	443	17	as	as	ADP
fsr-4128	443	18	investment	investment	NOUN
fsr-4128	443	19	performance	performance	NOUN
fsr-4128	443	20	and	and	CCONJ
fsr-4128	443	21	returns	return	NOUN
fsr-4128	443	22	.	.	PUNCT
fsr-4128	444	1	yet	yet	ADV
fsr-4128	444	2	,	,	PUNCT
fsr-4128	444	3	while	while	SCONJ
fsr-4128	444	4	extant	extant	ADJ
fsr-4128	444	5	literature	literature	NOUN
fsr-4128	444	6	is	be	AUX
fsr-4128	444	7	extensive	extensive	ADJ
fsr-4128	444	8	,	,	PUNCT
fsr-4128	444	9	it	it	PRON
fsr-4128	444	10	is	be	AUX
fsr-4128	444	11	fragmented	fragment	VERB
fsr-4128	444	12	and	and	CCONJ
fsr-4128	444	13	lacks	lack	VERB
fsr-4128	444	14	a	a	DET
fsr-4128	444	15	cohesive	cohesive	ADJ
fsr-4128	444	16	synthesis	synthesis	NOUN
fsr-4128	444	17	particularly	particularly	ADV
fsr-4128	444	18	in	in	ADP
fsr-4128	444	19	relation	relation	NOUN
fsr-4128	444	20	to	to	ADP
fsr-4128	444	21	how	how	SCONJ
fsr-4128	444	22	value	value	NOUN
fsr-4128	444	23	is	be	AUX
fsr-4128	444	24	conceptualized	conceptualize	VERB
fsr-4128	444	25	and	and	CCONJ
fsr-4128	444	26	measured	measure	VERB
fsr-4128	444	27	across	across	ADP
fsr-4128	444	28	diverse	diverse	ADJ
fsr-4128	444	29	contexts	context	NOUN
fsr-4128	444	30	and	and	CCONJ
fsr-4128	444	31	over	over	ADP
fsr-4128	444	32	time	time	NOUN
fsr-4128	444	33	.	.	PUNCT
fsr-4128	445	1	this	this	DET
fsr-4128	445	2	narrative	narrative	NOUN
fsr-4128	445	3	review	review	NOUN
fsr-4128	445	4	identifies	identify	VERB
fsr-4128	445	5	a	a	DET
fsr-4128	445	6	critical	critical	ADJ
fsr-4128	445	7	gap	gap	NOUN
fsr-4128	445	8	in	in	ADP
fsr-4128	445	9	the	the	DET
fsr-4128	445	10	literature	literature	NOUN
fsr-4128	445	11	:	:	PUNCT
fsr-4128	445	12	the	the	DET
fsr-4128	445	13	absence	absence	NOUN
fsr-4128	445	14	of	of	ADP
fsr-4128	445	15	a	a	DET
fsr-4128	445	16	holistic	holistic	ADJ
fsr-4128	445	17	framework	framework	NOUN
fsr-4128	445	18	for	for	ADP
fsr-4128	445	19	evaluating	evaluate	VERB
fsr-4128	445	20	the	the	DET
fsr-4128	445	21	value	value	NOUN
fsr-4128	445	22	of	of	ADP
fsr-4128	445	23	professional	professional	ADJ
fsr-4128	445	24	financial	financial	ADJ
fsr-4128	445	25	advice	advice	NOUN
fsr-4128	445	26	.	.	PUNCT
fsr-4128	446	1	without	without	ADP
fsr-4128	446	2	such	such	DET
fsr-4128	446	3	a	a	DET
fsr-4128	446	4	framework	framework	NOUN
fsr-4128	446	5	,	,	PUNCT
fsr-4128	446	6	the	the	DET
fsr-4128	446	7	collective	collective	ADJ
fsr-4128	446	8	body	body	NOUN
fsr-4128	446	9	of	of	ADP
fsr-4128	446	10	research	research	NOUN
fsr-4128	446	11	struggles	struggle	VERB
fsr-4128	446	12	to	to	PART
fsr-4128	446	13	inform	inform	VERB
fsr-4128	446	14	policy	policy	NOUN
fsr-4128	446	15	and	and	CCONJ
fsr-4128	446	16	practice	practice	NOUN
fsr-4128	446	17	meaningfully	meaningfully	ADV
fsr-4128	446	18	.	.	PUNCT
fsr-4128	447	1	moreover	moreover	ADV
fsr-4128	447	2	,	,	PUNCT
fsr-4128	447	3	the	the	DET
fsr-4128	447	4	literature	literature	NOUN
fsr-4128	447	5	has	have	AUX
fsr-4128	447	6	paid	pay	VERB
fsr-4128	447	7	insufficient	insufficient	ADJ
fsr-4128	447	8	attention	attention	NOUN
fsr-4128	447	9	to	to	ADP
fsr-4128	447	10	the	the	DET
fsr-4128	447	11	advisor	advisor	NOUN
fsr-4128	447	12	’s	’s	PART
fsr-4128	447	13	role	role	NOUN
fsr-4128	447	14	in	in	ADP
fsr-4128	447	15	shaping	shape	VERB
fsr-4128	447	16	client	client	NOUN
fsr-4128	447	17	outcomes	outcome	NOUN
fsr-4128	447	18	through	through	ADP
fsr-4128	447	19	relational	relational	ADJ
fsr-4128	447	20	and	and	CCONJ
fsr-4128	447	21	emotional	emotional	ADJ
fsr-4128	447	22	support	support	NOUN
fsr-4128	447	23	.	.	PUNCT
fsr-4128	448	1	emerging	emerge	VERB
fsr-4128	448	2	research	research	NOUN
fsr-4128	448	3	suggests	suggest	VERB
fsr-4128	448	4	that	that	SCONJ
fsr-4128	448	5	subjective	subjective	ADJ
fsr-4128	448	6	benefits	benefit	NOUN
fsr-4128	448	7	such	such	ADJ
fsr-4128	448	8	as	as	ADP
fsr-4128	448	9	increased	increase	VERB
fsr-4128	448	10	confidence	confidence	NOUN
fsr-4128	448	11	,	,	PUNCT
fsr-4128	448	12	financial	financial	ADJ
fsr-4128	448	13	capability	capability	NOUN
fsr-4128	448	14	,	,	PUNCT
fsr-4128	448	15	and	and	CCONJ
fsr-4128	448	16	overall	overall	ADJ
fsr-4128	448	17	wellbeing	wellbee	VERB
fsr-4128	448	18	may	may	AUX
fsr-4128	448	19	be	be	AUX
fsr-4128	448	20	equally	equally	ADV
fsr-4128	448	21	,	,	PUNCT
fsr-4128	448	22	if	if	SCONJ
fsr-4128	448	23	not	not	PART
fsr-4128	448	24	more	more	ADJ
fsr-4128	448	25	,	,	PUNCT
fsr-4128	448	26	important	important	ADJ
fsr-4128	448	27	than	than	ADP
fsr-4128	448	28	traditional	traditional	ADJ
fsr-4128	448	29	financial	financial	ADJ
fsr-4128	448	30	metrics	metric	NOUN
fsr-4128	448	31	.	.	PUNCT
fsr-4128	449	1	to	to	PART
fsr-4128	449	2	address	address	VERB
fsr-4128	449	3	these	these	DET
fsr-4128	449	4	gaps	gap	NOUN
fsr-4128	449	5	,	,	PUNCT
fsr-4128	449	6	this	this	DET
fsr-4128	449	7	review	review	NOUN
fsr-4128	449	8	synthesizes	synthesize	VERB
fsr-4128	449	9	peer	peer	NOUN
fsr-4128	449	10	-	-	PUNCT
fsr-4128	449	11	reviewed	review	VERB
fsr-4128	449	12	and	and	CCONJ
fsr-4128	449	13	high	high	ADJ
fsr-4128	449	14	-	-	PUNCT
fsr-4128	449	15	quality	quality	NOUN
fsr-4128	449	16	grey	grey	ADJ
fsr-4128	449	17	literature	literature	NOUN
fsr-4128	449	18	to	to	PART
fsr-4128	449	19	provide	provide	VERB
fsr-4128	449	20	a	a	DET
fsr-4128	449	21	comprehensive	comprehensive	ADJ
fsr-4128	449	22	overview	overview	NOUN
fsr-4128	449	23	of	of	ADP
fsr-4128	449	24	financial	financial	ADJ
fsr-4128	449	25	advice	advice	NOUN
fsr-4128	449	26	.	.	PUNCT
fsr-4128	450	1	it	it	PRON
fsr-4128	450	2	offers	offer	VERB
fsr-4128	450	3	a	a	DET
fsr-4128	450	4	conceptual	conceptual	ADJ
fsr-4128	450	5	framework	framework	NOUN
fsr-4128	450	6	that	that	PRON
fsr-4128	450	7	integrates	integrate	VERB
fsr-4128	450	8	advisor	advisor	NOUN
fsr-4128	450	9	actions	action	NOUN
fsr-4128	450	10	,	,	PUNCT
fsr-4128	450	11	client	client	NOUN
fsr-4128	450	12	characteristics	characteristic	NOUN
fsr-4128	450	13	,	,	PUNCT
fsr-4128	450	14	and	and	CCONJ
fsr-4128	450	15	environmental	environmental	ADJ
fsr-4128	450	16	factors	factor	NOUN
fsr-4128	450	17	,	,	PUNCT
fsr-4128	450	18	with	with	ADP
fsr-4128	450	19	the	the	DET
fsr-4128	450	20	aim	aim	NOUN
fsr-4128	450	21	of	of	ADP
fsr-4128	450	22	guiding	guide	VERB
fsr-4128	450	23	more	more	ADV
fsr-4128	450	24	rigorous	rigorous	ADJ
fsr-4128	450	25	and	and	CCONJ
fsr-4128	450	26	coherent	coherent	ADJ
fsr-4128	450	27	research	research	NOUN
fsr-4128	450	28	to	to	PART
fsr-4128	450	29	inform	inform	VERB
fsr-4128	450	30	stakeholders	stakeholder	NOUN
fsr-4128	450	31	including	include	VERB
fsr-4128	450	32	financial	financial	ADJ
fsr-4128	450	33	services	service	NOUN
fsr-4128	450	34	professionals	professional	NOUN
fsr-4128	450	35	,	,	PUNCT
fsr-4128	450	36	licensees	licensee	NOUN
fsr-4128	450	37	and	and	CCONJ
fsr-4128	450	38	policymakers	policymaker	NOUN
fsr-4128	450	39	,	,	PUNCT
fsr-4128	450	40	on	on	ADP
fsr-4128	450	41	strategies	strategy	NOUN
fsr-4128	450	42	to	to	PART
fsr-4128	450	43	substantiate	substantiate	VERB
fsr-4128	450	44	the	the	DET
fsr-4128	450	45	perceived	perceive	VERB
fsr-4128	450	46	and	and	CCONJ
fsr-4128	450	47	actual	actual	ADJ
fsr-4128	450	48	value	value	NOUN
fsr-4128	450	49	of	of	ADP
fsr-4128	450	50	financial	financial	ADJ
fsr-4128	450	51	advice	advice	NOUN
fsr-4128	450	52	and	and	CCONJ
fsr-4128	450	53	thus	thus	ADV
fsr-4128	450	54	,	,	PUNCT
fsr-4128	450	55	more	more	ADV
fsr-4128	450	56	credible	credible	ADJ
fsr-4128	450	57	information	information	NOUN
fsr-4128	450	58	and	and	CCONJ
fsr-4128	450	59	transparency	transparency	NOUN
fsr-4128	450	60	for	for	ADP
fsr-4128	450	61	consumers	consumer	NOUN
fsr-4128	450	62	.	.	PUNCT
fsr-4128	451	1	by	by	ADP
fsr-4128	451	2	engaging	engage	VERB
fsr-4128	451	3	a	a	DET
fsr-4128	451	4	broader	broad	ADJ
fsr-4128	451	5	and	and	CCONJ
fsr-4128	451	6	more	more	ADV
fsr-4128	451	7	diverse	diverse	ADJ
fsr-4128	451	8	client	client	NOUN
fsr-4128	451	9	base	base	NOUN
fsr-4128	451	10	,	,	PUNCT
fsr-4128	451	11	the	the	DET
fsr-4128	451	12	financial	financial	ADJ
fsr-4128	451	13	advice	advice	NOUN
fsr-4128	451	14	sector	sector	NOUN
fsr-4128	451	15	can	can	AUX
fsr-4128	451	16	unlock	unlock	VERB
fsr-4128	451	17	significant	significant	ADJ
fsr-4128	451	18	and	and	CCONJ
fsr-4128	451	19	social	social	ADJ
fsr-4128	451	20	benefits	benefit	NOUN
fsr-4128	451	21	.	.	PUNCT
fsr-4128	452	1	as	as	ADP
fsr-4128	452	2	with	with	ADP
fsr-4128	452	3	all	all	DET
fsr-4128	452	4	narrative	narrative	NOUN
fsr-4128	452	5	reviews	review	NOUN
fsr-4128	452	6	,	,	PUNCT
fsr-4128	452	7	this	this	DET
fsr-4128	452	8	paper	paper	NOUN
fsr-4128	452	9	is	be	AUX
fsr-4128	452	10	subject	subject	ADJ
fsr-4128	452	11	to	to	ADP
fsr-4128	452	12	limitations	limitation	NOUN
fsr-4128	452	13	.	.	PUNCT
fsr-4128	453	1	although	although	SCONJ
fsr-4128	453	2	article	article	NOUN
fsr-4128	453	3	selection	selection	NOUN
fsr-4128	453	4	and	and	CCONJ
fsr-4128	453	5	quality	quality	NOUN
fsr-4128	453	6	assessment	assessment	NOUN
fsr-4128	453	7	were	be	AUX
fsr-4128	453	8	conducted	conduct	VERB
fsr-4128	453	9	systematically	systematically	ADV
fsr-4128	453	10	,	,	PUNCT
fsr-4128	453	11	the	the	DET
fsr-4128	453	12	breadth	breadth	NOUN
fsr-4128	453	13	of	of	ADP
fsr-4128	453	14	the	the	DET
fsr-4128	453	15	literature	literature	NOUN
fsr-4128	453	16	(	(	PUNCT
fsr-4128	453	17	over	over	ADP
fsr-4128	453	18	330	330	NUM
fsr-4128	453	19	articles	article	NOUN
fsr-4128	453	20	)	)	PUNCT
fsr-4128	453	21	necessitated	necessitate	VERB
fsr-4128	453	22	a	a	DET
fsr-4128	453	23	thematic	thematic	ADJ
fsr-4128	453	24	approach	approach	NOUN
fsr-4128	453	25	,	,	PUNCT
fsr-4128	453	26	which	which	PRON
fsr-4128	453	27	may	may	AUX
fsr-4128	453	28	have	have	AUX
fsr-4128	453	29	excluded	exclude	VERB
fsr-4128	453	30	some	some	DET
fsr-4128	453	31	nuances	nuance	NOUN
fsr-4128	453	32	.	.	PUNCT
fsr-4128	454	1	whilst	whilst	SCONJ
fsr-4128	454	2	care	care	NOUN
fsr-4128	454	3	was	be	AUX
fsr-4128	454	4	taken	take	VERB
fsr-4128	454	5	to	to	PART
fsr-4128	454	6	ensure	ensure	VERB
fsr-4128	454	7	objectivity	objectivity	NOUN
fsr-4128	454	8	,	,	PUNCT
fsr-4128	454	9	narrative	narrative	ADJ
fsr-4128	454	10	synthesis	synthesis	NOUN
fsr-4128	454	11	inherently	inherently	ADV
fsr-4128	454	12	involves	involve	VERB
fsr-4128	454	13	subjective	subjective	ADJ
fsr-4128	454	14	judgement	judgement	NOUN
fsr-4128	454	15	(	(	PUNCT
fsr-4128	454	16	bourhis	bourhis	NOUN
fsr-4128	454	17	,	,	PUNCT
fsr-4128	454	18	2017	2017	NUM
fsr-4128	454	19	)	)	PUNCT
fsr-4128	454	20	.	.	PUNCT
fsr-4128	455	1	nonetheless	nonetheless	ADV
fsr-4128	455	2	,	,	PUNCT
fsr-4128	455	3	this	this	DET
fsr-4128	455	4	review	review	NOUN
fsr-4128	455	5	deepens	deepen	VERB
fsr-4128	455	6	and	and	CCONJ
fsr-4128	455	7	extends	extend	VERB
fsr-4128	455	8	understanding	understanding	NOUN
fsr-4128	455	9	of	of	ADP
fsr-4128	455	10	scholarship	scholarship	NOUN
fsr-4128	455	11	on	on	ADP
fsr-4128	455	12	the	the	DET
fsr-4128	455	13	value	value	NOUN
fsr-4128	455	14	of	of	ADP
fsr-4128	455	15	professional	professional	ADJ
fsr-4128	455	16	financial	financial	ADJ
fsr-4128	455	17	advice	advice	NOUN
fsr-4128	455	18	and	and	CCONJ
fsr-4128	455	19	the	the	DET
fsr-4128	455	20	conceptual	conceptual	ADJ
fsr-4128	455	21	framework	framework	NOUN
fsr-4128	455	22	offers	offer	VERB
fsr-4128	455	23	a	a	DET
fsr-4128	455	24	valuable	valuable	ADJ
fsr-4128	455	25	foundation	foundation	NOUN
fsr-4128	455	26	for	for	ADP
fsr-4128	455	27	future	future	ADJ
fsr-4128	455	28	empirical	empirical	ADJ
fsr-4128	455	29	work	work	NOUN
fsr-4128	455	30	.	.	PUNCT
fsr-4128	456	1	to	to	PART
fsr-4128	456	2	advance	advance	VERB
fsr-4128	456	3	the	the	DET
fsr-4128	456	4	research	research	NOUN
fsr-4128	456	5	agenda	agenda	NOUN
fsr-4128	456	6	,	,	PUNCT
fsr-4128	456	7	several	several	ADJ
fsr-4128	456	8	key	key	ADJ
fsr-4128	456	9	areas	area	NOUN
fsr-4128	456	10	warrant	warrant	VERB
fsr-4128	456	11	attention	attention	NOUN
fsr-4128	456	12	.	.	PUNCT
fsr-4128	457	1	(	(	PUNCT
fsr-4128	457	2	1	1	X
fsr-4128	457	3	)	)	PUNCT
fsr-4128	457	4	longitudinal	longitudinal	ADJ
fsr-4128	457	5	research	research	NOUN
fsr-4128	457	6	designs	design	VERB
fsr-4128	457	7	longitudinal	longitudinal	ADJ
fsr-4128	457	8	research	research	NOUN
fsr-4128	457	9	design	design	NOUN
fsr-4128	457	10	is	be	AUX
fsr-4128	457	11	recommended	recommend	VERB
fsr-4128	457	12	(	(	PUNCT
fsr-4128	457	13	e.g.	e.g.	ADV
fsr-4128	457	14	,	,	PUNCT
fsr-4128	457	15	macdonald	macdonald	PROPN
fsr-4128	457	16	et	et	PROPN
fsr-4128	457	17	al	al	PROPN
fsr-4128	457	18	.	.	PROPN
fsr-4128	457	19	,	,	PUNCT
fsr-4128	457	20	2023	2023	NUM
fsr-4128	457	21	;	;	PUNCT
fsr-4128	457	22	pleasence	pleasence	NOUN
fsr-4128	457	23	et	et	PROPN
fsr-4128	457	24	al	al	PROPN
fsr-4128	457	25	.	.	PROPN
fsr-4128	457	26	,	,	PUNCT
fsr-4128	457	27	2007	2007	NUM
fsr-4128	457	28	)	)	PUNCT
fsr-4128	457	29	to	to	PART
fsr-4128	457	30	overcome	overcome	VERB
fsr-4128	457	31	several	several	ADJ
fsr-4128	457	32	limitations	limitation	NOUN
fsr-4128	457	33	of	of	ADP
fsr-4128	457	34	existing	exist	VERB
fsr-4128	457	35	work	work	NOUN
fsr-4128	457	36	to	to	PART
fsr-4128	457	37	progress	progress	VERB
fsr-4128	457	38	the	the	DET
fsr-4128	457	39	research	research	NOUN
fsr-4128	457	40	agenda	agenda	NOUN
fsr-4128	457	41	on	on	ADP
fsr-4128	457	42	value	value	NOUN
fsr-4128	457	43	.	.	PUNCT
fsr-4128	458	1	the	the	DET
fsr-4128	458	2	credence	credence	NOUN
fsr-4128	458	3	nature	nature	NOUN
fsr-4128	458	4	of	of	ADP
fsr-4128	458	5	financial	financial	ADJ
fsr-4128	458	6	advice	advice	NOUN
fsr-4128	458	7	means	mean	VERB
fsr-4128	458	8	its	its	PRON
fsr-4128	458	9	value	value	NOUN
fsr-4128	458	10	can	can	AUX
fsr-4128	458	11	not	not	PART
fsr-4128	458	12	often	often	ADV
fsr-4128	458	13	be	be	AUX
fsr-4128	458	14	assessed	assess	VERB
fsr-4128	458	15	until	until	ADP
fsr-4128	458	16	long	long	ADV
fsr-4128	458	17	after	after	SCONJ
fsr-4128	458	18	it	it	PRON
fsr-4128	458	19	is	be	AUX
fsr-4128	458	20	delivered	deliver	VERB
fsr-4128	458	21	.	.	PUNCT
fsr-4128	459	1	longitudinal	longitudinal	ADJ
fsr-4128	459	2	studies	study	NOUN
fsr-4128	459	3	are	be	AUX
fsr-4128	459	4	essential	essential	ADJ
fsr-4128	459	5	to	to	PART
fsr-4128	459	6	capture	capture	VERB
fsr-4128	459	7	delayed	delay	VERB
fsr-4128	459	8	outcomes	outcome	NOUN
fsr-4128	459	9	,	,	PUNCT
fsr-4128	459	10	particularly	particularly	ADV
fsr-4128	459	11	those	those	PRON
fsr-4128	459	12	related	relate	VERB
fsr-4128	459	13	to	to	ADP
fsr-4128	459	14	client	client	NOUN
fsr-4128	459	15	wellbeing	wellbeing	NOUN
fsr-4128	459	16	.	.	PUNCT
fsr-4128	460	1	such	such	ADJ
fsr-4128	460	2	designs	design	NOUN
fsr-4128	460	3	can	can	AUX
fsr-4128	460	4	illuminate	illuminate	VERB
fsr-4128	460	5	both	both	DET
fsr-4128	460	6	moderating	moderate	VERB
fsr-4128	460	7	factors	factor	NOUN
fsr-4128	460	8	(	(	PUNCT
fsr-4128	460	9	what	what	PRON
fsr-4128	460	10	influences	influence	VERB
fsr-4128	460	11	the	the	DET
fsr-4128	460	12	advice	advice	NOUN
fsr-4128	460	13	process	process	NOUN
fsr-4128	460	14	and	and	CCONJ
fsr-4128	460	15	outcomes	outcome	NOUN
fsr-4128	460	16	)	)	PUNCT
fsr-4128	460	17	and	and	CCONJ
fsr-4128	460	18	mediating	mediate	VERB
fsr-4128	460	19	factors	factor	NOUN
fsr-4128	460	20	(	(	PUNCT
fsr-4128	460	21	how	how	SCONJ
fsr-4128	460	22	the	the	DET
fsr-4128	460	23	various	various	ADJ
fsr-4128	460	24	aspects	aspect	NOUN
fsr-4128	460	25	of	of	ADP
fsr-4128	460	26	advice	advice	NOUN
fsr-4128	460	27	lead	lead	NOUN
fsr-4128	460	28	to	to	ADP
fsr-4128	460	29	wellbeing	wellbee	VERB
fsr-4128	460	30	outcomes	outcome	NOUN
fsr-4128	460	31	)	)	PUNCT
fsr-4128	460	32	,	,	PUNCT
fsr-4128	460	33	enabling	enable	VERB
fsr-4128	460	34	a	a	DET
fsr-4128	460	35	more	more	ADV
fsr-4128	460	36	nuanced	nuanced	ADJ
fsr-4128	460	37	understanding	understanding	NOUN
fsr-4128	460	38	of	of	ADP
fsr-4128	460	39	value	value	NOUN
fsr-4128	460	40	.	.	PUNCT
fsr-4128	461	1	(	(	PUNCT
fsr-4128	461	2	2	2	X
fsr-4128	461	3	)	)	PUNCT
fsr-4128	461	4	causal	causal	ADJ
fsr-4128	461	5	inference	inference	NOUN
fsr-4128	461	6	and	and	CCONJ
fsr-4128	461	7	methodological	methodological	ADJ
fsr-4128	461	8	rigor	rigor	NOUN
fsr-4128	461	9	much	much	ADJ
fsr-4128	461	10	of	of	ADP
fsr-4128	461	11	the	the	DET
fsr-4128	461	12	existing	exist	VERB
fsr-4128	461	13	literature	literature	NOUN
fsr-4128	461	14	is	be	AUX
fsr-4128	461	15	observational	observational	ADJ
fsr-4128	461	16	,	,	PUNCT
fsr-4128	461	17	limiting	limit	VERB
fsr-4128	461	18	the	the	DET
fsr-4128	461	19	ability	ability	NOUN
fsr-4128	461	20	to	to	PART
fsr-4128	461	21	draw	draw	VERB
fsr-4128	461	22	causal	causal	ADJ
fsr-4128	461	23	conclusions	conclusion	NOUN
fsr-4128	461	24	.	.	PUNCT
fsr-4128	462	1	future	future	ADJ
fsr-4128	462	2	research	research	NOUN
fsr-4128	462	3	should	should	AUX
fsr-4128	462	4	incorporate	incorporate	VERB
fsr-4128	462	5	experimental	experimental	ADJ
fsr-4128	462	6	or	or	CCONJ
fsr-4128	462	7	quasi	quasi	ADJ
fsr-4128	462	8	-	-	ADJ
fsr-4128	462	9	experimental	experimental	ADJ
fsr-4128	462	10	designs	design	NOUN
fsr-4128	462	11	to	to	PART
fsr-4128	462	12	better	well	ADV
fsr-4128	462	13	isolate	isolate	VERB
fsr-4128	462	14	the	the	DET
fsr-4128	462	15	effects	effect	NOUN
fsr-4128	462	16	of	of	ADP
fsr-4128	462	17	financial	financial	ADJ
fsr-4128	462	18	advice	advice	NOUN
fsr-4128	462	19	and	and	CCONJ
fsr-4128	462	20	advisor	advisor	NOUN
fsr-4128	462	21	actions	action	NOUN
fsr-4128	462	22	.	.	PUNCT
fsr-4128	463	1	(	(	PUNCT
fsr-4128	463	2	3	3	X
fsr-4128	463	3	)	)	PUNCT
fsr-4128	463	4	addressing	address	VERB
fsr-4128	463	5	self	self	NOUN
fsr-4128	463	6	-	-	PUNCT
fsr-4128	463	7	selection	selection	NOUN
fsr-4128	463	8	and	and	CCONJ
fsr-4128	463	9	endogeneity	endogeneity	NOUN
fsr-4128	463	10	a	a	DET
fsr-4128	463	11	persistent	persistent	ADJ
fsr-4128	463	12	challenge	challenge	NOUN
fsr-4128	463	13	in	in	ADP
fsr-4128	463	14	advice	advice	NOUN
fsr-4128	463	15	research	research	NOUN
fsr-4128	463	16	is	be	AUX
fsr-4128	463	17	disentangling	disentangle	VERB
fsr-4128	463	18	whether	whether	SCONJ
fsr-4128	463	19	clients	client	NOUN
fsr-4128	463	20	benefit	benefit	VERB
fsr-4128	463	21	from	from	ADP
fsr-4128	463	22	advice	advice	NOUN
fsr-4128	463	23	because	because	SCONJ
fsr-4128	463	24	they	they	PRON
fsr-4128	463	25	seek	seek	VERB
fsr-4128	463	26	it	it	PRON
fsr-4128	463	27	,	,	PUNCT
fsr-4128	463	28	or	or	CCONJ
fsr-4128	463	29	whether	whether	SCONJ
fsr-4128	463	30	those	those	PRON
fsr-4128	463	31	who	who	PRON
fsr-4128	463	32	seek	seek	VERB
fsr-4128	463	33	advice	advice	NOUN
fsr-4128	463	34	are	be	AUX
fsr-4128	463	35	already	already	ADV
fsr-4128	463	36	better	well	ADV
fsr-4128	463	37	positioned	position	VERB
fsr-4128	463	38	to	to	PART
fsr-4128	463	39	benefit	benefit	VERB
fsr-4128	463	40	.	.	PUNCT
fsr-4128	464	1	future	future	ADJ
fsr-4128	464	2	studies	study	NOUN
fsr-4128	464	3	should	should	AUX
fsr-4128	464	4	explore	explore	VERB
fsr-4128	464	5	counterfactual	counterfactual	ADJ
fsr-4128	464	6	scenarios	scenario	NOUN
fsr-4128	464	7	and	and	CCONJ
fsr-4128	464	8	alternative	alternative	ADJ
fsr-4128	464	9	comparison	comparison	NOUN
fsr-4128	464	10	groups	group	NOUN
fsr-4128	464	11	to	to	PART
fsr-4128	464	12	better	well	ADV
fsr-4128	464	13	understand	understand	VERB
fsr-4128	464	14	the	the	DET
fsr-4128	464	15	true	true	ADJ
fsr-4128	464	16	impact	impact	NOUN
fsr-4128	464	17	of	of	ADP
fsr-4128	464	18	advice	advice	NOUN
fsr-4128	464	19	.	.	PUNCT
fsr-4128	465	1	(	(	PUNCT
fsr-4128	465	2	4	4	X
fsr-4128	465	3	)	)	PUNCT
fsr-4128	465	4	contextualizing	contextualizing	ADJ
fsr-4128	465	5	value	value	NOUN
fsr-4128	465	6	value	value	NOUN
fsr-4128	465	7	is	be	AUX
fsr-4128	465	8	inherently	inherently	ADV
fsr-4128	465	9	subjective	subjective	ADJ
fsr-4128	465	10	and	and	CCONJ
fsr-4128	465	11	varies	vary	VERB
fsr-4128	465	12	across	across	ADP
fsr-4128	465	13	clients	client	NOUN
fsr-4128	465	14	and	and	CCONJ
fsr-4128	465	15	life	life	NOUN
fsr-4128	465	16	stages	stage	NOUN
fsr-4128	465	17	.	.	PUNCT
fsr-4128	466	1	for	for	ADP
fsr-4128	466	2	example	example	NOUN
fsr-4128	466	3	,	,	PUNCT
fsr-4128	466	4	higher	high	ADJ
fsr-4128	466	5	investment	investment	NOUN
fsr-4128	466	6	returns	return	NOUN
fsr-4128	466	7	may	may	AUX
fsr-4128	466	8	not	not	PART
fsr-4128	466	9	be	be	AUX
fsr-4128	466	10	valuable	valuable	ADJ
fsr-4128	466	11	to	to	ADP
fsr-4128	466	12	a	a	DET
fsr-4128	466	13	risk	risk	NOUN
fsr-4128	466	14	-	-	PUNCT
fsr-4128	466	15	averse	averse	ADJ
fsr-4128	466	16	retiree	retiree	NOUN
fsr-4128	466	17	.	.	PUNCT
fsr-4128	467	1	research	research	NOUN
fsr-4128	467	2	should	should	AUX
fsr-4128	467	3	explore	explore	VERB
fsr-4128	467	4	how	how	SCONJ
fsr-4128	467	5	value	value	NOUN
fsr-4128	467	6	is	be	AUX
fsr-4128	467	7	interpreted	interpret	VERB
fsr-4128	467	8	relative	relative	ADJ
fsr-4128	467	9	to	to	ADP
fsr-4128	467	10	individual	individual	ADJ
fsr-4128	467	11	client	client	NOUN
fsr-4128	467	12	goals	goal	NOUN
fsr-4128	467	13	,	,	PUNCT
fsr-4128	467	14	preferences	preference	NOUN
fsr-4128	467	15	,	,	PUNCT
fsr-4128	467	16	and	and	CCONJ
fsr-4128	467	17	circumstances	circumstance	NOUN
fsr-4128	467	18	.	.	PUNCT
fsr-4128	468	1	(	(	PUNCT
fsr-4128	468	2	5	5	X
fsr-4128	468	3	)	)	PUNCT
fsr-4128	468	4	testing	test	VERB
fsr-4128	468	5	the	the	DET
fsr-4128	468	6	conceptual	conceptual	ADJ
fsr-4128	468	7	framework	framework	NOUN
fsr-4128	468	8	while	while	SCONJ
fsr-4128	468	9	this	this	DET
fsr-4128	468	10	paper	paper	NOUN
fsr-4128	468	11	suggests	suggest	VERB
fsr-4128	468	12	not	not	PART
fsr-4128	468	13	all	all	DET
fsr-4128	468	14	types	type	NOUN
fsr-4128	468	15	of	of	ADP
fsr-4128	468	16	support	support	NOUN
fsr-4128	468	17	are	be	AUX
fsr-4128	468	18	necessary	necessary	ADJ
fsr-4128	468	19	,	,	PUNCT
fsr-4128	468	20	the	the	DET
fsr-4128	468	21	framework	framework	NOUN
fsr-4128	468	22	presented	present	VERB
fsr-4128	468	23	posits	posit	NOUN
fsr-4128	468	24	that	that	SCONJ
fsr-4128	468	25	clients	client	NOUN
fsr-4128	468	26	derive	derive	VERB
fsr-4128	468	27	the	the	DET
fsr-4128	468	28	greatest	great	ADJ
fsr-4128	468	29	value	value	NOUN
fsr-4128	468	30	when	when	SCONJ
fsr-4128	468	31	the	the	DET
fsr-4128	468	32	advisor	advisor	NOUN
fsr-4128	468	33	actions	action	NOUN
fsr-4128	468	34	align	align	VERB
fsr-4128	468	35	across	across	ADP
fsr-4128	468	36	all	all	DET
fsr-4128	468	37	domains	domain	NOUN
fsr-4128	468	38	of	of	ADP
fsr-4128	468	39	social	social	ADJ
fsr-4128	468	40	support	support	NOUN
fsr-4128	468	41	.	.	PUNCT
fsr-4128	469	1	future	future	ADJ
fsr-4128	469	2	research	research	NOUN
fsr-4128	469	3	should	should	AUX
fsr-4128	469	4	empirically	empirically	ADV
fsr-4128	469	5	test	test	VERB
fsr-4128	469	6	this	this	DET
fsr-4128	469	7	proposition	proposition	NOUN
fsr-4128	469	8	examining	examine	VERB
fsr-4128	469	9	how	how	SCONJ
fsr-4128	469	10	combinations	combination	NOUN
fsr-4128	469	11	of	of	ADP
fsr-4128	469	12	advisor	advisor	NOUN
fsr-4128	469	13	behaviors	behavior	NOUN
fsr-4128	469	14	influence	influence	VERB
fsr-4128	469	15	different	different	ADJ
fsr-4128	469	16	dimensions	dimension	NOUN
fsr-4128	469	17	of	of	ADP
fsr-4128	469	18	client	client	NOUN
fsr-4128	469	19	wellbeing	wellbee	VERB
fsr-4128	469	20	.	.	PUNCT
fsr-4128	470	1	financial	financial	ADJ
fsr-4128	470	2	services	service	NOUN
fsr-4128	470	3	review	review	NOUN
fsr-4128	470	4	,	,	PUNCT
fsr-4128	470	5	33(4	33(4	NUM
fsr-4128	470	6	)	)	PUNCT
fsr-4128	470	7	158	158	NUM
fsr-4128	470	8	(	(	PUNCT
fsr-4128	470	9	6	6	NUM
fsr-4128	470	10	)	)	PUNCT
fsr-4128	470	11	adapting	adapt	VERB
fsr-4128	470	12	to	to	ADP
fsr-4128	470	13	emerging	emerge	VERB
fsr-4128	470	14	trends	trend	NOUN
fsr-4128	470	15	the	the	DET
fsr-4128	470	16	rise	rise	NOUN
fsr-4128	470	17	of	of	ADP
fsr-4128	470	18	robo	robo	NOUN
fsr-4128	470	19	advice	advice	NOUN
fsr-4128	470	20	,	,	PUNCT
fsr-4128	470	21	evolving	evolve	VERB
fsr-4128	470	22	regulatory	regulatory	ADJ
fsr-4128	470	23	environments	environment	NOUN
fsr-4128	470	24	,	,	PUNCT
fsr-4128	470	25	and	and	CCONJ
fsr-4128	470	26	shifting	shift	VERB
fsr-4128	470	27	client	client	NOUN
fsr-4128	470	28	demographics	demographic	NOUN
fsr-4128	470	29	present	present	VERB
fsr-4128	470	30	new	new	ADJ
fsr-4128	470	31	challenges	challenge	NOUN
fsr-4128	470	32	and	and	CCONJ
fsr-4128	470	33	opportunities	opportunity	NOUN
fsr-4128	470	34	.	.	PUNCT
fsr-4128	471	1	these	these	DET
fsr-4128	471	2	trends	trend	NOUN
fsr-4128	471	3	should	should	AUX
fsr-4128	471	4	be	be	AUX
fsr-4128	471	5	incorporated	incorporate	VERB
fsr-4128	471	6	into	into	ADP
fsr-4128	471	7	future	future	ADJ
fsr-4128	471	8	studies	study	NOUN
fsr-4128	471	9	to	to	PART
fsr-4128	471	10	assess	assess	VERB
fsr-4128	471	11	the	the	DET
fsr-4128	471	12	robustness	robustness	NOUN
fsr-4128	471	13	and	and	CCONJ
fsr-4128	471	14	adaptability	adaptability	NOUN
fsr-4128	471	15	of	of	ADP
fsr-4128	471	16	the	the	DET
fsr-4128	471	17	conceptual	conceptual	ADJ
fsr-4128	471	18	framework	framework	NOUN
fsr-4128	471	19	.	.	PUNCT
fsr-4128	472	1	in	in	ADP
fsr-4128	472	2	conclusion	conclusion	NOUN
fsr-4128	472	3	,	,	PUNCT
fsr-4128	472	4	the	the	DET
fsr-4128	472	5	value	value	NOUN
fsr-4128	472	6	of	of	ADP
fsr-4128	472	7	financial	financial	ADJ
fsr-4128	472	8	advice	advice	NOUN
fsr-4128	472	9	is	be	AUX
fsr-4128	472	10	multifaceted	multifaceted	ADJ
fsr-4128	472	11	,	,	PUNCT
fsr-4128	472	12	dynamic	dynamic	ADJ
fsr-4128	472	13	,	,	PUNCT
fsr-4128	472	14	and	and	CCONJ
fsr-4128	472	15	deeply	deeply	ADV
fsr-4128	472	16	personal	personal	ADJ
fsr-4128	472	17	.	.	PUNCT
fsr-4128	473	1	a	a	DET
fsr-4128	473	2	one	one	NUM
fsr-4128	473	3	-	-	PUNCT
fsr-4128	473	4	size	size	NOUN
fsr-4128	473	5	-	-	PUNCT
fsr-4128	473	6	fits	fit	VERB
fsr-4128	473	7	-	-	PUNCT
fsr-4128	473	8	all	all	PRON
fsr-4128	473	9	approach	approach	NOUN
fsr-4128	473	10	to	to	ADP
fsr-4128	473	11	measuring	measure	VERB
fsr-4128	473	12	value	value	NOUN
fsr-4128	473	13	is	be	AUX
fsr-4128	473	14	insufficient	insufficient	ADJ
fsr-4128	473	15	.	.	PUNCT
fsr-4128	474	1	the	the	DET
fsr-4128	474	2	conceptual	conceptual	ADJ
fsr-4128	474	3	framework	framework	NOUN
fsr-4128	474	4	developed	develop	VERB
fsr-4128	474	5	in	in	ADP
fsr-4128	474	6	this	this	DET
fsr-4128	474	7	review	review	NOUN
fsr-4128	474	8	provides	provide	VERB
fsr-4128	474	9	a	a	DET
fsr-4128	474	10	foundation	foundation	NOUN
fsr-4128	474	11	for	for	ADP
fsr-4128	474	12	more	more	ADV
fsr-4128	474	13	rigorous	rigorous	ADJ
fsr-4128	474	14	,	,	PUNCT
fsr-4128	474	15	interdisciplinary	interdisciplinary	ADJ
fsr-4128	474	16	,	,	PUNCT
fsr-4128	474	17	and	and	CCONJ
fsr-4128	474	18	context	context	NOUN
fsr-4128	474	19	-	-	PUNCT
fsr-4128	474	20	sensitive	sensitive	ADJ
fsr-4128	474	21	research	research	NOUN
fsr-4128	474	22	.	.	PUNCT
fsr-4128	475	1	by	by	ADP
fsr-4128	475	2	embracing	embrace	VERB
fsr-4128	475	3	complexity	complexity	NOUN
fsr-4128	475	4	and	and	CCONJ
fsr-4128	475	5	focusing	focus	VERB
fsr-4128	475	6	on	on	ADP
fsr-4128	475	7	both	both	CCONJ
fsr-4128	475	8	tangible	tangible	ADJ
fsr-4128	475	9	and	and	CCONJ
fsr-4128	475	10	intangible	intangible	ADJ
fsr-4128	475	11	outcomes	outcome	NOUN
fsr-4128	475	12	,	,	PUNCT
fsr-4128	475	13	future	future	ADJ
fsr-4128	475	14	scholarship	scholarship	NOUN
fsr-4128	475	15	can	can	AUX
fsr-4128	475	16	better	well	ADV
fsr-4128	475	17	capture	capture	VERB
fsr-4128	475	18	the	the	DET
fsr-4128	475	19	true	true	ADJ
fsr-4128	475	20	impact	impact	NOUN
fsr-4128	475	21	of	of	ADP
fsr-4128	475	22	financial	financial	ADJ
fsr-4128	475	23	advice	advice	NOUN
fsr-4128	475	24	and	and	CCONJ
fsr-4128	475	25	contribute	contribute	VERB
fsr-4128	475	26	to	to	ADP
fsr-4128	475	27	more	more	ADV
fsr-4128	475	28	effective	effective	ADJ
fsr-4128	475	29	policy	policy	NOUN
fsr-4128	475	30	,	,	PUNCT
fsr-4128	475	31	practice	practice	NOUN
fsr-4128	475	32	,	,	PUNCT
fsr-4128	475	33	and	and	CCONJ
fsr-4128	475	34	client	client	NOUN
fsr-4128	475	35	engagement	engagement	NOUN
fsr-4128	475	36	.	.	PUNCT
fsr-4128	476	1	references	reference	NOUN
fsr-4128	476	2	abbott	abbott	PROPN
fsr-4128	476	3	,	,	PUNCT
fsr-4128	476	4	s.	s.	PROPN
fsr-4128	476	5	,	,	PUNCT
fsr-4128	476	6	&	&	CCONJ
fsr-4128	476	7	hobby	hobby	PROPN
fsr-4128	476	8	,	,	PUNCT
fsr-4128	476	9	l.	l.	PROPN
fsr-4128	476	10	(	(	PUNCT
fsr-4128	476	11	2000	2000	NUM
fsr-4128	476	12	)	)	PUNCT
fsr-4128	476	13	.	.	PUNCT
fsr-4128	477	1	welfare	welfare	NOUN
fsr-4128	477	2	benefits	benefit	NOUN
fsr-4128	477	3	advice	advice	NOUN
fsr-4128	477	4	in	in	ADP
fsr-4128	477	5	primary	primary	ADJ
fsr-4128	477	6	care	care	NOUN
fsr-4128	477	7	:	:	PUNCT
fsr-4128	477	8	evidence	evidence	NOUN
fsr-4128	477	9	of	of	ADP
fsr-4128	477	10	improvements	improvement	NOUN
fsr-4128	477	11	in	in	ADP
fsr-4128	477	12	health	health	NOUN
fsr-4128	477	13	.	.	PUNCT
fsr-4128	478	1	public	public	ADJ
fsr-4128	478	2	health	health	NOUN
fsr-4128	478	3	,	,	PUNCT
fsr-4128	478	4	114(5	114(5	NUM
fsr-4128	478	5	)	)	PUNCT
fsr-4128	478	6	,	,	PUNCT
fsr-4128	478	7	324	324	NUM
fsr-4128	478	8	-	-	SYM
fsr-4128	478	9	327	327	NUM
fsr-4128	478	10	.	.	PUNCT
fsr-4128	479	1	abbott	abbott	PROPN
fsr-4128	479	2	,	,	PUNCT
fsr-4128	479	3	s.	s.	PROPN
fsr-4128	479	4	,	,	PUNCT
fsr-4128	479	5	hobby	hobby	PROPN
fsr-4128	479	6	,	,	PUNCT
fsr-4128	479	7	l.	l.	PROPN
fsr-4128	479	8	,	,	PUNCT
fsr-4128	479	9	&	&	CCONJ
fsr-4128	479	10	cotter	cotter	PROPN
fsr-4128	479	11	,	,	PUNCT
fsr-4128	479	12	s.	s.	PROPN
fsr-4128	479	13	(	(	PUNCT
fsr-4128	479	14	2006	2006	NUM
fsr-4128	479	15	)	)	PUNCT
fsr-4128	479	16	.	.	PUNCT
fsr-4128	480	1	what	what	PRON
fsr-4128	480	2	is	be	AUX
fsr-4128	480	3	the	the	DET
fsr-4128	480	4	impact	impact	NOUN
fsr-4128	480	5	on	on	ADP
fsr-4128	480	6	individual	individual	ADJ
fsr-4128	480	7	health	health	NOUN
fsr-4128	480	8	of	of	ADP
fsr-4128	480	9	services	service	NOUN
fsr-4128	480	10	in	in	ADP
fsr-4128	480	11	general	general	ADJ
fsr-4128	480	12	practice	practice	NOUN
fsr-4128	480	13	settings	setting	NOUN
fsr-4128	480	14	which	which	PRON
fsr-4128	480	15	offer	offer	VERB
fsr-4128	480	16	welfare	welfare	NOUN
fsr-4128	480	17	benefits	benefit	NOUN
fsr-4128	480	18	advice	advice	NOUN
fsr-4128	480	19	?	?	PUNCT
fsr-4128	481	1	health	health	NOUN
fsr-4128	481	2	and	and	CCONJ
fsr-4128	481	3	social	social	ADJ
fsr-4128	481	4	care	care	NOUN
fsr-4128	481	5	in	in	ADP
fsr-4128	481	6	the	the	DET
fsr-4128	481	7	community	community	NOUN
fsr-4128	481	8	,	,	PUNCT
fsr-4128	481	9	14(1	14(1	NUM
fsr-4128	481	10	)	)	PUNCT
fsr-4128	481	11	,	,	PUNCT
fsr-4128	481	12	1	1	NUM
fsr-4128	481	13	-	-	SYM
fsr-4128	481	14	8	8	NUM
fsr-4128	481	15	.	.	PUNCT
fsr-4128	482	1	https://doi.org/10.1111/j.13652524.2005.00582.x	https://doi.org/10.1111/j.13652524.2005.00582.x	X
fsr-4128	482	2	adviser	adviser	NOUN
fsr-4128	482	3	ratings	rating	NOUN
fsr-4128	482	4	.	.	PUNCT
fsr-4128	483	1	(	(	PUNCT
fsr-4128	483	2	2019	2019	NUM
fsr-4128	483	3	,	,	PUNCT
fsr-4128	483	4	december	december	PROPN
fsr-4128	483	5	2	2	NUM
fsr-4128	483	6	)	)	PUNCT
fsr-4128	483	7	.	.	PUNCT
fsr-4128	484	1	financial	financial	ADJ
fsr-4128	484	2	advice	advice	NOUN
fsr-4128	484	3	landscape	landscape	NOUN
fsr-4128	484	4	report	report	NOUN
fsr-4128	484	5	:	:	PUNCT
fsr-4128	484	6	early	early	ADJ
fsr-4128	484	7	bird	bird	NOUN
fsr-4128	484	8	snapshot	snapshot	NOUN
fsr-4128	484	9	.	.	PUNCT
fsr-4128	485	1	adviser	adviser	NOUN
fsr-4128	485	2	ratings	rating	NOUN
fsr-4128	485	3	.	.	PUNCT
fsr-4128	486	1	https://pro.adviserratings.com.au/docs/	https://pro.adviserratings.com.au/docs/	NOUN
fsr-4128	486	2	landscape-report-early-bird.pdf	landscape-report-early-bird.pdf	PROPN
fsr-4128	486	3	adviser	adviser	NOUN
fsr-4128	486	4	ratings	rating	NOUN
fsr-4128	486	5	.	.	PUNCT
fsr-4128	487	1	(	(	PUNCT
fsr-4128	487	2	2022	2022	NUM
fsr-4128	487	3	)	)	PUNCT
fsr-4128	487	4	.	.	PUNCT
fsr-4128	488	1	australian	australian	ADJ
fsr-4128	488	2	financial	financial	ADJ
fsr-4128	488	3	adviser	adviser	NOUN
fsr-4128	488	4	landscape	landscape	NOUN
fsr-4128	488	5	2022	2022	NUM
fsr-4128	488	6	.	.	PUNCT
fsr-4128	489	1	https://www.ardata.com.au/wpcontent/uploads/2022/05/afalandsca	https://www.ardata.com.au/wpcontent/uploads/2022/05/afalandsca	X
fsr-4128	489	2	pe2022-ab_r2.pdf	pe2022-ab_r2.pdf	PROPN
fsr-4128	489	3	alford	alford	PROPN
fsr-4128	489	4	,	,	PUNCT
fsr-4128	489	5	b.	b.	PROPN
fsr-4128	489	6	l.	l.	PROPN
fsr-4128	489	7	,	,	PUNCT
fsr-4128	489	8	&	&	CCONJ
fsr-4128	489	9	sherrell	sherrell	PROPN
fsr-4128	489	10	,	,	PUNCT
fsr-4128	489	11	d.	d.	PROPN
fsr-4128	489	12	l.	l.	PROPN
fsr-4128	489	13	(	(	PUNCT
fsr-4128	489	14	1996	1996	NUM
fsr-4128	489	15	)	)	PUNCT
fsr-4128	489	16	.	.	PUNCT
fsr-4128	490	1	the	the	DET
fsr-4128	490	2	role	role	NOUN
fsr-4128	490	3	of	of	ADP
fsr-4128	490	4	affect	affect	NOUN
fsr-4128	490	5	in	in	ADP
fsr-4128	490	6	consumer	consumer	NOUN
fsr-4128	490	7	satisfaction	satisfaction	NOUN
fsr-4128	490	8	judgments	judgment	NOUN
fsr-4128	490	9	of	of	ADP
fsr-4128	490	10	credence	credence	NOUN
fsr-4128	490	11	-	-	PUNCT
fsr-4128	490	12	based	base	VERB
fsr-4128	490	13	-	-	PUNCT
fsr-4128	490	14	services	service	NOUN
fsr-4128	490	15	.	.	PUNCT
fsr-4128	491	1	journal	journal	PROPN
fsr-4128	491	2	of	of	ADP
fsr-4128	491	3	business	business	NOUN
fsr-4128	491	4	research	research	NOUN
fsr-4128	491	5	,	,	PUNCT
fsr-4128	491	6	37	37	NUM
fsr-4128	491	7	,	,	PUNCT
fsr-4128	491	8	7184	7184	NUM
fsr-4128	491	9	.	.	PUNCT
fsr-4128	492	1	anthes	anthe	NOUN
fsr-4128	492	2	,	,	PUNCT
fsr-4128	492	3	w.	w.	PROPN
fsr-4128	492	4	l.	l.	PROPN
fsr-4128	492	5	,	,	PUNCT
fsr-4128	492	6	&	&	CCONJ
fsr-4128	492	7	lee	lee	PROPN
fsr-4128	492	8	,	,	PUNCT
fsr-4128	492	9	s.	s.	PROPN
fsr-4128	492	10	a.	a.	PROPN
fsr-4128	492	11	(	(	PUNCT
fsr-4128	492	12	2002	2002	NUM
fsr-4128	492	13	)	)	PUNCT
fsr-4128	492	14	.	.	PUNCT
fsr-4128	493	1	the	the	DET
fsr-4128	493	2	financial	financial	ADJ
fsr-4128	493	3	psychology	psychology	NOUN
fsr-4128	493	4	of	of	ADP
fsr-4128	493	5	four	four	NUM
fsr-4128	493	6	lifechanging	lifechanging	NOUN
fsr-4128	493	7	events	event	NOUN
fsr-4128	493	8	.	.	PUNCT
fsr-4128	494	1	journal	journal	NOUN
fsr-4128	494	2	of	of	ADP
fsr-4128	494	3	financial	financial	ADJ
fsr-4128	494	4	planning	planning	NOUN
fsr-4128	494	5	,	,	PUNCT
fsr-4128	494	6	15(5	15(5	NUM
fsr-4128	494	7	)	)	PUNCT
fsr-4128	494	8	,	,	PUNCT
fsr-4128	494	9	76	76	NUM
fsr-4128	494	10	-	-	SYM
fsr-4128	494	11	85	85	NUM
fsr-4128	494	12	.	.	PUNCT
fsr-4128	495	1	asic	asic	NOUN
fsr-4128	495	2	.	.	PUNCT
fsr-4128	496	1	(	(	PUNCT
fsr-4128	496	2	2019	2019	NUM
fsr-4128	496	3	)	)	PUNCT
fsr-4128	496	4	.	.	PUNCT
fsr-4128	497	1	financial	financial	ADJ
fsr-4128	497	2	advice	advice	NOUN
fsr-4128	497	3	:	:	PUNCT
fsr-4128	497	4	what	what	PRON
fsr-4128	497	5	consumers	consumer	NOUN
fsr-4128	497	6	really	really	ADV
fsr-4128	497	7	think	think	VERB
fsr-4128	497	8	(	(	PUNCT
fsr-4128	497	9	report	report	VERB
fsr-4128	497	10	no	no	INTJ
fsr-4128	497	11	.	.	PROPN
fsr-4128	497	12	627	627	NUM
fsr-4128	497	13	)	)	PUNCT
fsr-4128	497	14	.	.	PUNCT
fsr-4128	498	1	https://asic.gov.au/regulatoryresources/find-a-document/reports/rep627-financial-advice-what-consumersreally-think/	https://asic.gov.au/regulatoryresources/find-a-document/reports/rep627-financial-advice-what-consumersreally-think/	PROPN
fsr-4128	498	2	australian	australian	ADJ
fsr-4128	498	3	government	government	NOUN
fsr-4128	498	4	.	.	PUNCT
fsr-4128	499	1	(	(	PUNCT
fsr-4128	499	2	2022	2022	NUM
fsr-4128	499	3	)	)	PUNCT
fsr-4128	499	4	.	.	PUNCT
fsr-4128	500	1	quality	quality	NOUN
fsr-4128	500	2	of	of	ADP
fsr-4128	500	3	advice	advice	NOUN
fsr-4128	500	4	review	review	NOUN
fsr-4128	500	5	:	:	PUNCT
fsr-4128	500	6	final	final	ADJ
fsr-4128	500	7	report	report	NOUN
fsr-4128	500	8	.	.	PUNCT
fsr-4128	501	1	https://treasury.gov.au/sites/default/file	https://treasury.gov.au/sites/default/file	PROPN
fsr-4128	501	2	s/2023	s/2023	PROPN
fsr-4128	501	3	-	-	PUNCT
fsr-4128	501	4	01	01	NUM
fsr-4128	501	5	/	/	SYM
fsr-4128	501	6	p2023	p2023	PROPN
fsr-4128	501	7	-	-	PUNCT
fsr-4128	501	8	358632.pdf	358632.pdf	NUM
fsr-4128	501	9	bagwell	bagwell	NOUN
fsr-4128	501	10	,	,	PUNCT
fsr-4128	501	11	d.	d.	PROPN
fsr-4128	501	12	c.	c.	PROPN
fsr-4128	501	13	(	(	PUNCT
fsr-4128	501	14	2000	2000	NUM
fsr-4128	501	15	)	)	PUNCT
fsr-4128	501	16	.	.	PUNCT
fsr-4128	502	1	work	work	NOUN
fsr-4128	502	2	and	and	CCONJ
fsr-4128	502	3	personal	personal	ADJ
fsr-4128	502	4	financial	financial	ADJ
fsr-4128	502	5	outcomes	outcome	NOUN
fsr-4128	502	6	of	of	ADP
fsr-4128	502	7	credit	credit	NOUN
fsr-4128	502	8	counseling	counseling	NOUN
fsr-4128	502	9	clients	client	NOUN
fsr-4128	502	10	[	[	X
fsr-4128	502	11	doctoral	doctoral	ADJ
fsr-4128	502	12	dissertation	dissertation	NOUN
fsr-4128	502	13	,	,	PUNCT
fsr-4128	502	14	virginia	virginia	PROPN
fsr-4128	502	15	polytechnic	polytechnic	PROPN
fsr-4128	502	16	institute	institute	PROPN
fsr-4128	502	17	and	and	CCONJ
fsr-4128	502	18	state	state	PROPN
fsr-4128	502	19	university	university	PROPN
fsr-4128	502	20	]	]	PUNCT
fsr-4128	502	21	.	.	PUNCT
fsr-4128	503	1	virginia	virginia	PROPN
fsr-4128	503	2	tech	tech	PROPN
fsr-4128	503	3	electronic	electronic	ADJ
fsr-4128	503	4	theses	thesis	NOUN
fsr-4128	503	5	and	and	CCONJ
fsr-4128	503	6	dissertations	dissertation	NOUN
fsr-4128	503	7	.	.	PUNCT
fsr-4128	504	1	https://vtechworks.lib.vt.edu/handle/10	https://vtechworks.lib.vt.edu/handle/10	NUM
fsr-4128	504	2	919/29222	919/29222	NUM
fsr-4128	504	3	blanchett	blanchett	NOUN
fsr-4128	504	4	,	,	PUNCT
fsr-4128	504	5	d.	d.	PROPN
fsr-4128	504	6	m.	m.	PROPN
fsr-4128	504	7	(	(	PUNCT
fsr-4128	504	8	2019	2019	NUM
fsr-4128	504	9	)	)	PUNCT
fsr-4128	504	10	.	.	PUNCT
fsr-4128	505	1	financially	financially	ADV
fsr-4128	505	2	sound	sound	ADJ
fsr-4128	505	3	households	household	NOUN
fsr-4128	505	4	use	use	VERB
fsr-4128	505	5	financial	financial	ADJ
fsr-4128	505	6	planners	planner	NOUN
fsr-4128	505	7	,	,	PUNCT
fsr-4128	505	8	not	not	PART
fsr-4128	505	9	transactional	transactional	ADJ
fsr-4128	505	10	advisers	adviser	NOUN
fsr-4128	505	11	.	.	PUNCT
fsr-4128	506	1	journal	journal	PROPN
fsr-4128	506	2	of	of	ADP
fsr-4128	506	3	financial	financial	ADJ
fsr-4128	506	4	planning	planning	NOUN
fsr-4128	506	5	,	,	PUNCT
fsr-4128	506	6	32(4	32(4	NUM
fsr-4128	506	7	)	)	PUNCT
fsr-4128	506	8	,	,	PUNCT
fsr-4128	506	9	30	30	NUM
fsr-4128	506	10	-	-	SYM
fsr-4128	506	11	40	40	NUM
fsr-4128	506	12	.	.	PUNCT
fsr-4128	507	1	bloom	bloom	NOUN
fsr-4128	507	2	,	,	PUNCT
fsr-4128	507	3	p.	p.	NOUN
fsr-4128	507	4	n.	n.	NOUN
fsr-4128	507	5	,	,	PUNCT
fsr-4128	507	6	&	&	CCONJ
fsr-4128	507	7	dalpe	dalpe	PROPN
fsr-4128	507	8	,	,	PUNCT
fsr-4128	507	9	m.	m.	NOUN
fsr-4128	507	10	p.	p.	NOUN
fsr-4128	507	11	(	(	PUNCT
fsr-4128	507	12	1993	1993	NUM
fsr-4128	507	13	)	)	PUNCT
fsr-4128	507	14	.	.	PUNCT
fsr-4128	508	1	the	the	DET
fsr-4128	508	2	proactive	proactive	ADJ
fsr-4128	508	3	professional	professional	ADJ
fsr-4128	508	4	.	.	PUNCT
fsr-4128	509	1	marketing	marketing	NOUN
fsr-4128	509	2	management	management	NOUN
fsr-4128	509	3	,	,	PUNCT
fsr-4128	509	4	2(1	2(1	NUM
fsr-4128	509	5	)	)	PUNCT
fsr-4128	509	6	,	,	PUNCT
fsr-4128	509	7	26	26	NUM
fsr-4128	509	8	-	-	SYM
fsr-4128	509	9	35	35	NUM
fsr-4128	509	10	.	.	PUNCT
fsr-4128	510	1	bluethgen	bluethgen	PROPN
fsr-4128	510	2	,	,	PUNCT
fsr-4128	510	3	r.	r.	PROPN
fsr-4128	510	4	,	,	PUNCT
fsr-4128	510	5	gintschel	gintschel	PROPN
fsr-4128	510	6	,	,	PUNCT
fsr-4128	510	7	a.	a.	NOUN
fsr-4128	510	8	,	,	PUNCT
fsr-4128	510	9	hackethal	hackethal	NOUN
fsr-4128	510	10	,	,	PUNCT
fsr-4128	510	11	a.	a.	PROPN
fsr-4128	510	12	,	,	PUNCT
fsr-4128	510	13	&	&	CCONJ
fsr-4128	510	14	mueller	mueller	PROPN
fsr-4128	510	15	,	,	PUNCT
fsr-4128	510	16	a.	a.	PROPN
fsr-4128	510	17	(	(	PUNCT
fsr-4128	510	18	2008	2008	NUM
fsr-4128	510	19	)	)	PUNCT
fsr-4128	510	20	.	.	PUNCT
fsr-4128	511	1	financial	financial	ADJ
fsr-4128	511	2	advice	advice	NOUN
fsr-4128	511	3	and	and	CCONJ
fsr-4128	511	4	individual	individual	ADJ
fsr-4128	511	5	investors	investor	NOUN
fsr-4128	511	6	'	'	PART
fsr-4128	511	7	portfolios	portfolio	NOUN
fsr-4128	511	8	.	.	PUNCT
fsr-4128	512	1	ssrn	ssrn	PROPN
fsr-4128	512	2	.	.	PUNCT
fsr-4128	513	1	https://doi.org/10.2139/ssrn.968197	https://doi.org/10.2139/ssrn.968197	PROPN
fsr-4128	513	2	bluethgen	bluethgen	PROPN
fsr-4128	513	3	,	,	PUNCT
fsr-4128	513	4	r.	r.	PROPN
fsr-4128	513	5	,	,	PUNCT
fsr-4128	513	6	meyer	meyer	PROPN
fsr-4128	513	7	,	,	PUNCT
fsr-4128	513	8	s.	s.	PROPN
fsr-4128	513	9	,	,	PUNCT
fsr-4128	513	10	&	&	CCONJ
fsr-4128	513	11	hackethal	hackethal	PROPN
fsr-4128	513	12	,	,	PUNCT
fsr-4128	513	13	a.	a.	NOUN
fsr-4128	513	14	(	(	PUNCT
fsr-4128	513	15	2008	2008	NUM
fsr-4128	513	16	)	)	PUNCT
fsr-4128	513	17	.	.	PUNCT
fsr-4128	514	1	high	high	ADJ
fsr-4128	514	2	-	-	PUNCT
fsr-4128	514	3	quality	quality	NOUN
fsr-4128	514	4	financial	financial	ADJ
fsr-4128	514	5	advice	advice	NOUN
fsr-4128	514	6	wanted	want	VERB
fsr-4128	514	7	!	!	PUNCT
fsr-4128	515	1	citeseer	citeseer	NOUN
fsr-4128	515	2	.	.	PUNCT
fsr-4128	516	1	https://citeseerx.ist.psu.edu/document	https://citeseerx.ist.psu.edu/document	PROPN
fsr-4128	516	2	?	?	PUNCT
fsr-4128	517	1	repid	repid	NOUN
fsr-4128	517	2	=	=	NOUN
fsr-4128	517	3	rep1&type	rep1&type	NOUN
fsr-4128	517	4	=	=	SYM
fsr-4128	517	5	pdf&doi	pdf&doi	NOUN
fsr-4128	517	6	=	=	NOUN
fsr-4128	517	7	f1a08e41c	f1a08e41c	NUM
fsr-4128	517	8	681ec8e93579ba480c1b3cf40a74e2b	681ec8e93579ba480c1b3cf40a74e2b	NUM
fsr-4128	517	9	bourhis	bourhis	NOUN
fsr-4128	517	10	,	,	PUNCT
fsr-4128	517	11	j.	j.	PROPN
fsr-4128	517	12	(	(	PUNCT
fsr-4128	517	13	2017	2017	NUM
fsr-4128	517	14	)	)	PUNCT
fsr-4128	517	15	.	.	PUNCT
fsr-4128	518	1	narrative	narrative	PROPN
fsr-4128	518	2	literature	literature	PROPN
fsr-4128	518	3	review	review	PROPN
fsr-4128	518	4	.	.	PUNCT
fsr-4128	519	1	in	in	ADP
fsr-4128	519	2	m.	m.	NOUN
fsr-4128	519	3	allen	allen	PROPN
fsr-4128	519	4	(	(	PUNCT
fsr-4128	519	5	ed	ed	NOUN
fsr-4128	519	6	.	.	PUNCT
fsr-4128	519	7	)	)	PUNCT
fsr-4128	519	8	,	,	PUNCT
fsr-4128	519	9	the	the	DET
fsr-4128	519	10	sage	sage	NOUN
fsr-4128	519	11	encyclopedia	encyclopedia	NOUN
fsr-4128	519	12	of	of	ADP
fsr-4128	519	13	communication	communication	NOUN
fsr-4128	519	14	research	research	NOUN
fsr-4128	519	15	methods	method	NOUN
fsr-4128	519	16	(	(	PUNCT
fsr-4128	519	17	3rd	3rd	ADJ
fsr-4128	519	18	ed	ed	NOUN
fsr-4128	519	19	.	.	PROPN
fsr-4128	519	20	,	,	PUNCT
fsr-4128	519	21	pp	pp	PROPN
fsr-4128	519	22	.	.	PUNCT
fsr-4128	519	23	10761077	10761077	NUM
fsr-4128	519	24	)	)	PUNCT
fsr-4128	519	25	.	.	PUNCT
fsr-4128	520	1	sage	sage	NOUN
fsr-4128	520	2	publications	publication	NOUN
fsr-4128	520	3	.	.	PUNCT
fsr-4128	521	1	https://doi.org/10.4135/978148338141	https://doi.org/10.4135/978148338141	ADP
fsr-4128	521	2	1	1	NUM
fsr-4128	521	3	boztepe	boztepe	NOUN
fsr-4128	521	4	,	,	PUNCT
fsr-4128	521	5	s.	s.	PROPN
fsr-4128	521	6	(	(	PUNCT
fsr-4128	521	7	2007	2007	NUM
fsr-4128	521	8	)	)	PUNCT
fsr-4128	521	9	.	.	PUNCT
fsr-4128	522	1	user	user	NOUN
fsr-4128	522	2	value	value	NOUN
fsr-4128	522	3	:	:	PUNCT
fsr-4128	522	4	competing	compete	VERB
fsr-4128	522	5	theories	theory	NOUN
fsr-4128	522	6	and	and	CCONJ
fsr-4128	522	7	models	model	NOUN
fsr-4128	522	8	.	.	PUNCT
fsr-4128	523	1	international	international	ADJ
fsr-4128	523	2	journal	journal	PROPN
fsr-4128	523	3	of	of	ADP
fsr-4128	523	4	design	design	NOUN
fsr-4128	523	5	,	,	PUNCT
fsr-4128	523	6	1(2	1(2	NUM
fsr-4128	523	7	)	)	PUNCT
fsr-4128	523	8	,	,	PUNCT
fsr-4128	523	9	55	55	NUM
fsr-4128	523	10	-	-	SYM
fsr-4128	523	11	63	63	NUM
fsr-4128	523	12	.	.	PUNCT
fsr-4128	524	1	brackertz	brackertz	PROPN
fsr-4128	524	2	,	,	PUNCT
fsr-4128	524	3	n.	n.	PROPN
fsr-4128	524	4	(	(	PUNCT
fsr-4128	524	5	2014	2014	NUM
fsr-4128	524	6	)	)	PUNCT
fsr-4128	524	7	.	.	PUNCT
fsr-4128	525	1	the	the	DET
fsr-4128	525	2	impact	impact	NOUN
fsr-4128	525	3	of	of	ADP
fsr-4128	525	4	financial	financial	ADJ
fsr-4128	525	5	counselling	counselling	NOUN
fsr-4128	525	6	on	on	ADP
fsr-4128	525	7	alleviating	alleviate	VERB
fsr-4128	525	8	financial	financial	ADJ
fsr-4128	525	9	stress	stress	NOUN
fsr-4128	525	10	in	in	ADP
fsr-4128	525	11	low	low	ADJ
fsr-4128	525	12	income	income	NOUN
fsr-4128	525	13	households	household	NOUN
fsr-4128	525	14	:	:	PUNCT
fsr-4128	525	15	a	a	DET
fsr-4128	525	16	national	national	ADJ
fsr-4128	525	17	australian	australian	ADJ
fsr-4128	525	18	empirical	empirical	ADJ
fsr-4128	525	19	study	study	NOUN
fsr-4128	525	20	.	.	PUNCT
fsr-4128	526	1	macdonald	macdonald	PROPN
fsr-4128	526	2	et	et	PROPN
fsr-4128	526	3	al	al	PROPN
fsr-4128	526	4	.	.	PROPN
fsr-4128	526	5	159	159	NUM
fsr-4128	526	6	social	social	ADJ
fsr-4128	526	7	policy	policy	NOUN
fsr-4128	526	8	and	and	CCONJ
fsr-4128	526	9	society	society	NOUN
fsr-4128	526	10	,	,	PUNCT
fsr-4128	526	11	13(3	13(3	NUM
fsr-4128	526	12	)	)	PUNCT
fsr-4128	526	13	,	,	PUNCT
fsr-4128	526	14	389407	389407	NUM
fsr-4128	526	15	.	.	PUNCT
fsr-4128	527	1	britt	britt	PROPN
fsr-4128	527	2	,	,	PUNCT
fsr-4128	527	3	s.	s.	PROPN
fsr-4128	527	4	l.	l.	PROPN
fsr-4128	527	5	,	,	PUNCT
fsr-4128	527	6	canale	canale	PROPN
fsr-4128	527	7	,	,	PUNCT
fsr-4128	527	8	a.	a.	NOUN
fsr-4128	527	9	,	,	PUNCT
fsr-4128	527	10	fernatt	fernatt	PROPN
fsr-4128	527	11	,	,	PUNCT
fsr-4128	527	12	f.	f.	PROPN
fsr-4128	527	13	,	,	PUNCT
fsr-4128	527	14	stutz	stutz	PROPN
fsr-4128	527	15	,	,	PUNCT
fsr-4128	527	16	k.	k.	PROPN
fsr-4128	527	17	,	,	PUNCT
fsr-4128	527	18	&	&	CCONJ
fsr-4128	527	19	tibbetts	tibbetts	PROPN
fsr-4128	527	20	,	,	PUNCT
fsr-4128	527	21	r.	r.	PROPN
fsr-4128	527	22	(	(	PUNCT
fsr-4128	527	23	2015	2015	NUM
fsr-4128	527	24	)	)	PUNCT
fsr-4128	527	25	.	.	PUNCT
fsr-4128	528	1	financial	financial	ADJ
fsr-4128	528	2	stress	stress	NOUN
fsr-4128	528	3	and	and	CCONJ
fsr-4128	528	4	financial	financial	ADJ
fsr-4128	528	5	counseling	counseling	NOUN
fsr-4128	528	6	:	:	PUNCT
fsr-4128	528	7	helping	help	VERB
fsr-4128	528	8	college	college	NOUN
fsr-4128	528	9	students	student	NOUN
fsr-4128	528	10	.	.	PUNCT
fsr-4128	529	1	journal	journal	NOUN
fsr-4128	529	2	of	of	ADP
fsr-4128	529	3	financial	financial	ADJ
fsr-4128	529	4	counseling	counseling	NOUN
fsr-4128	529	5	and	and	CCONJ
fsr-4128	529	6	planning	planning	NOUN
fsr-4128	529	7	,	,	PUNCT
fsr-4128	529	8	26(2	26(2	NUM
fsr-4128	529	9	)	)	PUNCT
fsr-4128	529	10	,	,	PUNCT
fsr-4128	529	11	172186	172186	NUM
fsr-4128	529	12	.	.	PUNCT
fsr-4128	530	1	brüggen	brüggen	NOUN
fsr-4128	530	2	,	,	PUNCT
fsr-4128	530	3	e.	e.	PROPN
fsr-4128	530	4	c.	c.	PROPN
fsr-4128	530	5	,	,	PUNCT
fsr-4128	530	6	hogreve	hogreve	VERB
fsr-4128	530	7	,	,	PUNCT
fsr-4128	530	8	j.	j.	PROPN
fsr-4128	530	9	,	,	PUNCT
fsr-4128	530	10	holmlund	holmlund	PROPN
fsr-4128	530	11	,	,	PUNCT
fsr-4128	530	12	m.	m.	NOUN
fsr-4128	530	13	,	,	PUNCT
fsr-4128	530	14	kabadayi	kabadayi	ADJ
fsr-4128	530	15	,	,	PUNCT
fsr-4128	530	16	s.	s.	PROPN
fsr-4128	530	17	,	,	PUNCT
fsr-4128	530	18	&	&	CCONJ
fsr-4128	530	19	löfgren	löfgren	PROPN
fsr-4128	530	20	,	,	PUNCT
fsr-4128	530	21	m.	m.	NOUN
fsr-4128	530	22	(	(	PUNCT
fsr-4128	530	23	2017	2017	NUM
fsr-4128	530	24	)	)	PUNCT
fsr-4128	530	25	.	.	PUNCT
fsr-4128	531	1	financial	financial	ADJ
fsr-4128	531	2	well	well	ADV
fsr-4128	531	3	-	-	PUNCT
fsr-4128	531	4	being	being	NOUN
fsr-4128	531	5	:	:	PUNCT
fsr-4128	531	6	a	a	DET
fsr-4128	531	7	conceptualization	conceptualization	NOUN
fsr-4128	531	8	and	and	CCONJ
fsr-4128	531	9	research	research	NOUN
fsr-4128	531	10	agenda	agenda	NOUN
fsr-4128	531	11	.	.	PUNCT
fsr-4128	532	1	journal	journal	PROPN
fsr-4128	532	2	of	of	ADP
fsr-4128	532	3	business	business	NOUN
fsr-4128	532	4	research	research	NOUN
fsr-4128	532	5	,	,	PUNCT
fsr-4128	532	6	79	79	NUM
fsr-4128	532	7	,	,	PUNCT
fsr-4128	532	8	228237	228237	NUM
fsr-4128	532	9	.	.	PUNCT
fsr-4128	533	1	https://doi.org/10.1016/j.jbusres.2017	https://doi.org/10.1016/j.jbusres.2017	NOUN
fsr-4128	533	2	.	.	PUNCT
fsr-4128	534	1	03.013	03.013	NUM
fsr-4128	534	2	bucher	bucher	PROPN
fsr-4128	534	3	-	-	PUNCT
fsr-4128	534	4	koenen	koenen	NOUN
fsr-4128	534	5	,	,	PUNCT
fsr-4128	534	6	t.	t.	PROPN
fsr-4128	534	7	,	,	PUNCT
fsr-4128	534	8	hackethal	hackethal	NOUN
fsr-4128	534	9	,	,	PUNCT
fsr-4128	534	10	a.	a.	PROPN
fsr-4128	534	11	,	,	PUNCT
fsr-4128	534	12	koenen	koenen	PROPN
fsr-4128	534	13	,	,	PUNCT
fsr-4128	534	14	j.	j.	PROPN
fsr-4128	534	15	,	,	PUNCT
fsr-4128	534	16	&	&	CCONJ
fsr-4128	534	17	laudenbach	laudenbach	NOUN
fsr-4128	534	18	,	,	PUNCT
fsr-4128	534	19	c.	c.	NOUN
fsr-4128	534	20	(	(	PUNCT
fsr-4128	534	21	2021	2021	NUM
fsr-4128	534	22	)	)	PUNCT
fsr-4128	534	23	.	.	PUNCT
fsr-4128	535	1	gender	gender	NOUN
fsr-4128	535	2	differences	difference	NOUN
fsr-4128	535	3	in	in	ADP
fsr-4128	535	4	financial	financial	ADJ
fsr-4128	535	5	advice	advice	NOUN
fsr-4128	535	6	(	(	PUNCT
fsr-4128	535	7	working	working	NOUN
fsr-4128	535	8	paper	paper	NOUN
fsr-4128	535	9	)	)	PUNCT
fsr-4128	535	10	.	.	PUNCT
fsr-4128	536	1	safe	safe	ADJ
fsr-4128	536	2	.	.	PUNCT
fsr-4128	537	1	http://dx.doi.org/10.2139/ssrn.2572961	http://dx.doi.org/10.2139/ssrn.2572961	PROPN
fsr-4128	537	2	cfp	cfp	PROPN
fsr-4128	537	3	board	board	PROPN
fsr-4128	537	4	.	.	PUNCT
fsr-4128	538	1	(	(	PUNCT
fsr-4128	538	2	2023	2023	NUM
fsr-4128	538	3	)	)	PUNCT
fsr-4128	538	4	.	.	PUNCT
fsr-4128	539	1	2023	2023	NUM
fsr-4128	539	2	cfp	cfp	PROPN
fsr-4128	539	3	board	board	NOUN
fsr-4128	539	4	consumer	consumer	NOUN
fsr-4128	539	5	sentiment	sentiment	NOUN
fsr-4128	539	6	survey	survey	NOUN
fsr-4128	539	7	:	:	PUNCT
fsr-4128	539	8	cost	cost	NOUN
fsr-4128	539	9	of	of	ADP
fsr-4128	539	10	living	live	VERB
fsr-4128	539	11	.	.	PUNCT
fsr-4128	540	1	https://www.cfp.net/-/media/files/cfpboard/news/2023/financial-planningand-consumer-sentimentdeck.pdf?la=en&hash=76b388e7f3f2	https://www.cfp.net/-/media/files/cfpboard/news/2023/financial-planningand-consumer-sentimentdeck.pdf?la=en&hash=76b388e7f3f2	VERB
fsr-4128	540	2	3ad8d5ca48c4a54e9fad	3ad8d5ca48c4a54e9fad	NUM
fsr-4128	540	3	chalmers	chalmer	NOUN
fsr-4128	540	4	,	,	PUNCT
fsr-4128	540	5	j.	j.	PROPN
fsr-4128	540	6	m.	m.	PROPN
fsr-4128	540	7	r.	r.	PROPN
fsr-4128	540	8	,	,	PUNCT
fsr-4128	540	9	&	&	CCONJ
fsr-4128	540	10	reuter	reuter	PROPN
fsr-4128	540	11	,	,	PUNCT
fsr-4128	540	12	j.	j.	PROPN
fsr-4128	540	13	(	(	PUNCT
fsr-4128	540	14	2012	2012	NUM
fsr-4128	540	15	)	)	PUNCT
fsr-4128	540	16	.	.	PUNCT
fsr-4128	541	1	what	what	PRON
fsr-4128	541	2	is	be	AUX
fsr-4128	541	3	the	the	DET
fsr-4128	541	4	impact	impact	NOUN
fsr-4128	541	5	of	of	ADP
fsr-4128	541	6	financial	financial	ADJ
fsr-4128	541	7	advisors	advisor	NOUN
fsr-4128	541	8	on	on	ADP
fsr-4128	541	9	retirement	retirement	NOUN
fsr-4128	541	10	portfolio	portfolio	NOUN
fsr-4128	541	11	choices	choice	NOUN
fsr-4128	541	12	and	and	CCONJ
fsr-4128	541	13	outcomes	outcome	NOUN
fsr-4128	541	14	?	?	PUNCT
fsr-4128	542	1	ssrn	ssrn	PROPN
fsr-4128	542	2	.	.	PUNCT
fsr-4128	543	1	http://dx.doi.org/10.2139/ssrn.2078536	http://dx.doi.org/10.2139/ssrn.2078536	NOUN
fsr-4128	543	2	comerton‐forde	comerton‐forde	PROPN
fsr-4128	543	3	,	,	PUNCT
fsr-4128	543	4	c.	c.	NOUN
fsr-4128	543	5	,	,	PUNCT
fsr-4128	543	6	de	de	X
fsr-4128	543	7	new	new	PROPN
fsr-4128	543	8	,	,	PUNCT
fsr-4128	543	9	j.	j.	PROPN
fsr-4128	543	10	,	,	PUNCT
fsr-4128	543	11	salamanca	salamanca	PROPN
fsr-4128	543	12	,	,	PUNCT
fsr-4128	543	13	n.	n.	NOUN
fsr-4128	543	14	,	,	PUNCT
fsr-4128	543	15	ribar	ribar	NOUN
fsr-4128	543	16	,	,	PUNCT
fsr-4128	543	17	d.	d.	PROPN
fsr-4128	543	18	c.	c.	PROPN
fsr-4128	543	19	,	,	PUNCT
fsr-4128	543	20	nicastro	nicastro	NOUN
fsr-4128	543	21	,	,	PUNCT
fsr-4128	543	22	a.	a.	NOUN
fsr-4128	543	23	,	,	PUNCT
fsr-4128	543	24	&	&	CCONJ
fsr-4128	543	25	ross	ross	PROPN
fsr-4128	543	26	,	,	PUNCT
fsr-4128	543	27	j.	j.	PROPN
fsr-4128	543	28	(	(	PUNCT
fsr-4128	543	29	2022	2022	NUM
fsr-4128	543	30	)	)	PUNCT
fsr-4128	543	31	.	.	PUNCT
fsr-4128	544	1	measuring	measure	VERB
fsr-4128	544	2	financial	financial	ADJ
fsr-4128	544	3	wellbeing	wellbee	VERB
fsr-4128	544	4	with	with	ADP
fsr-4128	544	5	self‐reported	self‐reporte	VERB
fsr-4128	544	6	and	and	CCONJ
fsr-4128	544	7	bank	bank	NOUN
fsr-4128	544	8	record	record	NOUN
fsr-4128	544	9	data	datum	NOUN
fsr-4128	544	10	.	.	PUNCT
fsr-4128	545	1	economic	economic	ADJ
fsr-4128	545	2	record	record	NOUN
fsr-4128	545	3	,	,	PUNCT
fsr-4128	545	4	98(321	98(321	NOUN
fsr-4128	545	5	)	)	PUNCT
fsr-4128	545	6	,	,	PUNCT
fsr-4128	545	7	133	133	NUM
fsr-4128	545	8	-	-	SYM
fsr-4128	545	9	151	151	NUM
fsr-4128	545	10	.	.	PUNCT
fsr-4128	546	1	https://doi.org/10.1111/14754932.12664	https://doi.org/10.1111/14754932.12664	NOUN
fsr-4128	546	2	consumer	consumer	PROPN
fsr-4128	546	3	financial	financial	PROPN
fsr-4128	546	4	protection	protection	PROPN
fsr-4128	546	5	bureau	bureau	PROPN
fsr-4128	546	6	.	.	PUNCT
fsr-4128	547	1	(	(	PUNCT
fsr-4128	547	2	2015	2015	NUM
fsr-4128	547	3	)	)	PUNCT
fsr-4128	547	4	.	.	PUNCT
fsr-4128	548	1	financial	financial	ADJ
fsr-4128	548	2	well	well	ADV
fsr-4128	548	3	-	-	PUNCT
fsr-4128	548	4	being	being	NOUN
fsr-4128	548	5	:	:	PUNCT
fsr-4128	548	6	the	the	DET
fsr-4128	548	7	goal	goal	NOUN
fsr-4128	548	8	of	of	ADP
fsr-4128	548	9	financial	financial	ADJ
fsr-4128	548	10	education	education	NOUN
fsr-4128	548	11	.	.	PUNCT
fsr-4128	549	1	cfpb	cfpb	NOUN
fsr-4128	549	2	.	.	PUNCT
fsr-4128	550	1	https://files.consumerfinance.gov/f/201	https://files.consumerfinance.gov/f/201	VERB
fsr-4128	550	2	501_cfpb_report_financial-wellbeing.pdf	501_cfpb_report_financial-wellbeing.pdf	NUM
fsr-4128	550	3	consumer	consumer	NOUN
fsr-4128	550	4	financial	financial	ADJ
fsr-4128	550	5	protection	protection	PROPN
fsr-4128	550	6	bureau	bureau	PROPN
fsr-4128	550	7	.	.	PUNCT
fsr-4128	551	1	(	(	PUNCT
fsr-4128	551	2	2016	2016	NUM
fsr-4128	551	3	)	)	PUNCT
fsr-4128	551	4	.	.	PUNCT
fsr-4128	552	1	financial	financial	ADJ
fsr-4128	552	2	coaching	coaching	NOUN
fsr-4128	552	3	:	:	PUNCT
fsr-4128	552	4	a	a	DET
fsr-4128	552	5	strategy	strategy	NOUN
fsr-4128	552	6	to	to	PART
fsr-4128	552	7	improve	improve	VERB
fsr-4128	552	8	financial	financial	ADJ
fsr-4128	552	9	well	well	NOUN
fsr-4128	552	10	-	-	PUNCT
fsr-4128	552	11	being	being	NOUN
fsr-4128	552	12	.	.	PUNCT
fsr-4128	553	1	cfpb	cfpb	NOUN
fsr-4128	553	2	.	.	PUNCT
fsr-4128	554	1	https://files.consumerfinance.gov/f/doc	https://files.consumerfinance.gov/f/doc	PROPN
fsr-4128	554	2	uments/102016_cfpb_financial_coach	uments/102016_cfpb_financial_coach	PROPN
fsr-4128	554	3	ing_strategy_to_improve_financial	ing_strategy_to_improve_financial	NOUN
fsr-4128	554	4	_	_	PRON
fsr-4128	554	5	well-being.pdf	well-being.pdf	NOUN
fsr-4128	554	6	coredata	coredata	NOUN
fsr-4128	554	7	research	research	NOUN
fsr-4128	554	8	.	.	PUNCT
fsr-4128	555	1	(	(	PUNCT
fsr-4128	555	2	2020	2020	NUM
fsr-4128	555	3	)	)	PUNCT
fsr-4128	555	4	.	.	PUNCT
fsr-4128	556	1	trust	trust	NOUN
fsr-4128	556	2	in	in	ADP
fsr-4128	556	3	advice	advice	NOUN
fsr-4128	556	4	:	:	PUNCT
fsr-4128	556	5	research	research	NOUN
fsr-4128	556	6	on	on	ADP
fsr-4128	556	7	the	the	DET
fsr-4128	556	8	value	value	NOUN
fsr-4128	556	9	of	of	ADP
fsr-4128	556	10	financial	financial	ADJ
fsr-4128	556	11	advice	advice	NOUN
fsr-4128	556	12	.	.	PUNCT
fsr-4128	557	1	financial	financial	ADJ
fsr-4128	557	2	advice	advice	NOUN
fsr-4128	557	3	new	new	PROPN
fsr-4128	557	4	zealand	zealand	PROPN
fsr-4128	557	5	.	.	PUNCT
fsr-4128	558	1	https://financialadvice.nz/wpcontent/uploads/2020/10/financialadvice-nz-trust-in-advice-doublepage.pdf	https://financialadvice.nz/wpcontent/uploads/2020/10/financialadvice-nz-trust-in-advice-doublepage.pdf	PROPN
fsr-4128	558	2	day	day	PROPN
fsr-4128	558	3	,	,	PUNCT
fsr-4128	558	4	l.	l.	PROPN
fsr-4128	558	5	,	,	PUNCT
fsr-4128	558	6	collard	collard	PROPN
fsr-4128	558	7	,	,	PUNCT
fsr-4128	558	8	s.	s.	PROPN
fsr-4128	558	9	b.	b.	PROPN
fsr-4128	558	10	,	,	PUNCT
fsr-4128	558	11	&	&	CCONJ
fsr-4128	558	12	hay	hay	PROPN
fsr-4128	558	13	,	,	PUNCT
fsr-4128	558	14	h.	h.	PROPN
fsr-4128	558	15	(	(	PUNCT
fsr-4128	558	16	2008	2008	NUM
fsr-4128	558	17	)	)	PUNCT
fsr-4128	558	18	.	.	PUNCT
fsr-4128	559	1	money	money	NOUN
fsr-4128	559	2	advice	advice	NOUN
fsr-4128	559	3	outreach	outreach	NOUN
fsr-4128	559	4	evaluation	evaluation	NOUN
fsr-4128	559	5	:	:	PUNCT
fsr-4128	559	6	qualitative	qualitative	VERB
fsr-4128	559	7	outcomes	outcome	NOUN
fsr-4128	559	8	for	for	ADP
fsr-4128	559	9	clients	client	NOUN
fsr-4128	559	10	.	.	PUNCT
fsr-4128	560	1	legal	legal	ADJ
fsr-4128	560	2	services	service	NOUN
fsr-4128	560	3	commission	commission	PROPN
fsr-4128	560	4	.	.	PUNCT
fsr-4128	561	1	http://www.infohub.moneyadvicetrust	http://www.infohub.moneyadvicetrust	ADJ
fsr-4128	561	2	.	.	PUNCT
fsr-4128	561	3	org	org	ADJ
fsr-4128	561	4	/	/	SYM
fsr-4128	561	5	content_files	content_file	NOUN
fsr-4128	561	6	/	/	SYM
fsr-4128	561	7	files	file	NOUN
fsr-4128	561	8	/	/	SYM
fsr-4128	561	9	debtoutreachout	debtoutreachout	PROPN
fsr-4128	561	10	comesclients.pdf	comesclients.pdf	PROPN
fsr-4128	561	11	dietz	dietz	PROPN
fsr-4128	561	12	,	,	PUNCT
fsr-4128	561	13	p.	p.	NOUN
fsr-4128	561	14	o.	o.	PROPN
fsr-4128	562	1	(	(	PUNCT
fsr-4128	562	2	1968	1968	NUM
fsr-4128	562	3	)	)	PUNCT
fsr-4128	562	4	.	.	PUNCT
fsr-4128	563	1	components	component	NOUN
fsr-4128	563	2	of	of	ADP
fsr-4128	563	3	a	a	DET
fsr-4128	563	4	measurement	measurement	NOUN
fsr-4128	563	5	model	model	NOUN
fsr-4128	563	6	:	:	PUNCT
fsr-4128	563	7	rate	rate	NOUN
fsr-4128	563	8	of	of	ADP
fsr-4128	563	9	return	return	NOUN
fsr-4128	563	10	,	,	PUNCT
fsr-4128	563	11	risk	risk	NOUN
fsr-4128	563	12	,	,	PUNCT
fsr-4128	563	13	and	and	CCONJ
fsr-4128	563	14	timing	timing	NOUN
fsr-4128	563	15	.	.	PUNCT
fsr-4128	564	1	journal	journal	NOUN
fsr-4128	564	2	of	of	ADP
fsr-4128	564	3	finance	finance	NOUN
fsr-4128	564	4	23	23	NUM
fsr-4128	564	5	,	,	PUNCT
fsr-4128	564	6	267–275	267–275	NUM
fsr-4128	564	7	.	.	PUNCT
fsr-4128	565	1	elliehausen	elliehausen	PROPN
fsr-4128	565	2	,	,	PUNCT
fsr-4128	565	3	g.	g.	PROPN
fsr-4128	565	4	,	,	PUNCT
fsr-4128	565	5	christopher	christopher	PROPN
fsr-4128	565	6	lundquist	lundquist	PROPN
fsr-4128	565	7	,	,	PUNCT
fsr-4128	565	8	e.	e.	PROPN
fsr-4128	565	9	,	,	PUNCT
fsr-4128	565	10	&	&	CCONJ
fsr-4128	565	11	staten	staten	PROPN
fsr-4128	565	12	,	,	PUNCT
fsr-4128	565	13	m.	m.	PROPN
fsr-4128	565	14	e.	e.	PROPN
fsr-4128	565	15	(	(	PUNCT
fsr-4128	565	16	2007	2007	NUM
fsr-4128	565	17	)	)	PUNCT
fsr-4128	565	18	.	.	PUNCT
fsr-4128	566	1	the	the	DET
fsr-4128	566	2	impact	impact	NOUN
fsr-4128	566	3	of	of	ADP
fsr-4128	566	4	credit	credit	NOUN
fsr-4128	566	5	counseling	counseling	NOUN
fsr-4128	566	6	on	on	ADP
fsr-4128	566	7	subsequent	subsequent	ADJ
fsr-4128	566	8	borrower	borrower	NOUN
fsr-4128	566	9	behavior	behavior	NOUN
fsr-4128	566	10	.	.	PUNCT
fsr-4128	567	1	journal	journal	PROPN
fsr-4128	567	2	of	of	ADP
fsr-4128	567	3	consumer	consumer	NOUN
fsr-4128	567	4	affairs	affair	NOUN
fsr-4128	567	5	,	,	PUNCT
fsr-4128	567	6	41(1	41(1	NUM
fsr-4128	567	7	)	)	PUNCT
fsr-4128	567	8	,	,	PUNCT
fsr-4128	567	9	1	1	NUM
fsr-4128	567	10	-	-	SYM
fsr-4128	567	11	28	28	NUM
fsr-4128	567	12	.	.	PUNCT
fsr-4128	568	1	https://doi.org/10.1111/j.17456606.2006.00066.x	https://doi.org/10.1111/j.17456606.2006.00066.x	PROPN
fsr-4128	569	1	europe	europe	PROPN
fsr-4128	569	2	economics	economic	NOUN
fsr-4128	569	3	.	.	PUNCT
fsr-4128	570	1	(	(	PUNCT
fsr-4128	570	2	2018	2018	NUM
fsr-4128	570	3	)	)	PUNCT
fsr-4128	570	4	.	.	PUNCT
fsr-4128	571	1	the	the	DET
fsr-4128	571	2	economic	economic	ADJ
fsr-4128	571	3	impact	impact	NOUN
fsr-4128	571	4	of	of	ADP
fsr-4128	571	5	debt	debt	NOUN
fsr-4128	571	6	advice	advice	NOUN
fsr-4128	571	7	:	:	PUNCT
fsr-4128	571	8	a	a	DET
fsr-4128	571	9	report	report	NOUN
fsr-4128	571	10	for	for	ADP
fsr-4128	571	11	the	the	DET
fsr-4128	571	12	money	money	NOUN
fsr-4128	571	13	advice	advice	NOUN
fsr-4128	571	14	service	service	NOUN
fsr-4128	571	15	.	.	PUNCT
fsr-4128	572	1	https://moneyandpensionsservice.org.u	https://moneyandpensionsservice.org.u	PART
fsr-4128	573	1	k	k	X
fsr-4128	573	2	/	/	SYM
fsr-4128	573	3	wpcontent	wpcontent	NOUN
fsr-4128	573	4	/	/	SYM
fsr-4128	573	5	uploads/2021/03	uploads/2021/03	NOUN
fsr-4128	573	6	/	/	SYM
fsr-4128	573	7	economicimpact	economicimpact	NOUN
fsr-4128	573	8	-	-	PUNCT
fsr-4128	573	9	of	of	ADP
fsr-4128	573	10	-	-	PUNCT
fsr-4128	573	11	debt	debt	NOUN
fsr-4128	573	12	-	-	PUNCT
fsr-4128	573	13	advice	advice	NOUN
fsr-4128	573	14	-	-	PUNCT
fsr-4128	573	15	main	main	ADJ
fsr-4128	573	16	-	-	PUNCT
fsr-4128	573	17	report.pdf	report.pdf	NOUN
fsr-4128	573	18	fan	fan	PROPN
fsr-4128	573	19	,	,	PUNCT
fsr-4128	573	20	l.	l.	PROPN
fsr-4128	573	21	,	,	PUNCT
fsr-4128	573	22	&	&	CCONJ
fsr-4128	573	23	chatterjee	chatterjee	PROPN
fsr-4128	573	24	,	,	PUNCT
fsr-4128	573	25	s.	s.	PROPN
fsr-4128	573	26	(	(	PUNCT
fsr-4128	573	27	2017	2017	NUM
fsr-4128	573	28	)	)	PUNCT
fsr-4128	573	29	.	.	PUNCT
fsr-4128	574	1	borrowing	borrow	VERB
fsr-4128	574	2	decision	decision	NOUN
fsr-4128	574	3	of	of	ADP
fsr-4128	574	4	households	household	NOUN
fsr-4128	574	5	:	:	PUNCT
fsr-4128	574	6	an	an	DET
fsr-4128	574	7	examination	examination	NOUN
fsr-4128	574	8	of	of	ADP
fsr-4128	574	9	the	the	DET
fsr-4128	574	10	information	information	NOUN
fsr-4128	574	11	search	search	NOUN
fsr-4128	574	12	process	process	NOUN
fsr-4128	574	13	.	.	PUNCT
fsr-4128	575	1	journal	journal	NOUN
fsr-4128	575	2	of	of	ADP
fsr-4128	575	3	financial	financial	ADJ
fsr-4128	575	4	counseling	counseling	NOUN
fsr-4128	575	5	and	and	CCONJ
fsr-4128	575	6	planning	planning	NOUN
fsr-4128	575	7	,	,	PUNCT
fsr-4128	575	8	28(1	28(1	NOUN
fsr-4128	575	9	)	)	PUNCT
fsr-4128	575	10	,	,	PUNCT
fsr-4128	575	11	95106	95106	NUM
fsr-4128	575	12	.	.	PUNCT
fsr-4128	576	1	https://doi.org/10.1891/10523073.28.1.95	https://doi.org/10.1891/10523073.28.1.95	PROPN
fsr-4128	576	2	farr	farr	PROPN
fsr-4128	576	3	,	,	PUNCT
fsr-4128	576	4	d.	d.	PROPN
fsr-4128	576	5	,	,	PUNCT
fsr-4128	576	6	older	old	ADJ
fsr-4128	576	7	,	,	PUNCT
fsr-4128	576	8	c.	c.	PROPN
fsr-4128	576	9	,	,	PUNCT
fsr-4128	576	10	ripley	ripley	PROPN
fsr-4128	576	11	,	,	PUNCT
fsr-4128	576	12	e.	e.	PROPN
fsr-4128	576	13	,	,	PUNCT
fsr-4128	576	14	&	&	CCONJ
fsr-4128	576	15	weir	weir	PROPN
fsr-4128	576	16	,	,	PUNCT
fsr-4128	576	17	j.	j.	PROPN
fsr-4128	576	18	(	(	PUNCT
fsr-4128	576	19	2018	2018	NUM
fsr-4128	576	20	)	)	PUNCT
fsr-4128	576	21	.	.	PUNCT
fsr-4128	577	1	the	the	DET
fsr-4128	577	2	changing	change	VERB
fsr-4128	577	3	shape	shape	NOUN
fsr-4128	577	4	of	of	ADP
fsr-4128	577	5	the	the	DET
fsr-4128	577	6	consumer	consumer	NOUN
fsr-4128	577	7	market	market	NOUN
fsr-4128	577	8	for	for	ADP
fsr-4128	577	9	advice	advice	NOUN
fsr-4128	577	10	.	.	PUNCT
fsr-4128	578	1	ignition	ignition	NOUN
fsr-4128	578	2	house	house	NOUN
fsr-4128	578	3	and	and	CCONJ
fsr-4128	578	4	critical	critical	ADJ
fsr-4128	578	5	research	research	NOUN
fsr-4128	578	6	.	.	PUNCT
fsr-4128	579	1	https://www.fca.org.uk/publication/res	https://www.fca.org.uk/publication/re	NOUN
fsr-4128	579	2	earch	earch	PROPN
fsr-4128	579	3	/	/	SYM
fsr-4128	579	4	famr	famr	NOUN
fsr-4128	579	5	-	-	PUNCT
fsr-4128	579	6	interim	interim	ADJ
fsr-4128	579	7	-	-	PUNCT
fsr-4128	579	8	consumerresearch	consumerresearch	NOUN
fsr-4128	579	9	-	-	PUNCT
fsr-4128	579	10	report-2018.pdf	report-2018.pdf	PROPN
fsr-4128	579	11	feeney	feeney	PROPN
fsr-4128	579	12	,	,	PUNCT
fsr-4128	579	13	b.	b.	PROPN
fsr-4128	579	14	c.	c.	PROPN
fsr-4128	579	15	,	,	PUNCT
fsr-4128	579	16	&	&	CCONJ
fsr-4128	579	17	collins	collins	PROPN
fsr-4128	579	18	,	,	PUNCT
fsr-4128	579	19	n.	n.	PROPN
fsr-4128	579	20	l.	l.	PROPN
fsr-4128	579	21	(	(	PUNCT
fsr-4128	579	22	2015	2015	NUM
fsr-4128	579	23	)	)	PUNCT
fsr-4128	579	24	.	.	PUNCT
fsr-4128	580	1	a	a	DET
fsr-4128	580	2	new	new	ADJ
fsr-4128	580	3	look	look	NOUN
fsr-4128	580	4	at	at	ADP
fsr-4128	580	5	social	social	ADJ
fsr-4128	580	6	support	support	NOUN
fsr-4128	580	7	:	:	PUNCT
fsr-4128	580	8	a	a	DET
fsr-4128	580	9	theoretical	theoretical	ADJ
fsr-4128	580	10	https://dx.doi.org/10.2139/ssrn.2572961	https://dx.doi.org/10.2139/ssrn.2572961	PROPN
fsr-4128	580	11	https://moneyandpensionsservice.org.uk/wp-content/uploads/2021/03/economic-impact-of-debt-advice-main-report.pdf	https://moneyandpensionsservice.org.uk/wp-content/uploads/2021/03/economic-impact-of-debt-advice-main-report.pdf	PROPN
fsr-4128	580	12	https://moneyandpensionsservice.org.uk/wp-content/uploads/2021/03/economic-impact-of-debt-advice-main-report.pdf	https://moneyandpensionsservice.org.uk/wp-content/uploads/2021/03/economic-impact-of-debt-advice-main-report.pdf	PROPN
fsr-4128	580	13	https://moneyandpensionsservice.org.uk/wp-content/uploads/2021/03/economic-impact-of-debt-advice-main-report.pdf	https://moneyandpensionsservice.org.uk/wp-content/uploads/2021/03/economic-impact-of-debt-advice-main-report.pdf	PROPN
fsr-4128	580	14	https://moneyandpensionsservice.org.uk/wp-content/uploads/2021/03/economic-impact-of-debt-advice-main-report.pdf	https://moneyandpensionsservice.org.uk/wp-content/uploads/2021/03/economic-impact-of-debt-advice-main-report.pdf	PROPN
fsr-4128	580	15	financial	financial	PROPN
fsr-4128	580	16	services	services	PROPN
fsr-4128	580	17	review	review	NOUN
fsr-4128	580	18	,	,	PUNCT
fsr-4128	580	19	33(4	33(4	NUM
fsr-4128	580	20	)	)	PUNCT
fsr-4128	580	21	160	160	NUM
fsr-4128	580	22	perspective	perspective	NOUN
fsr-4128	580	23	on	on	ADP
fsr-4128	580	24	thriving	thrive	VERB
fsr-4128	580	25	through	through	ADP
fsr-4128	580	26	relationships	relationship	NOUN
fsr-4128	580	27	.	.	PUNCT
fsr-4128	581	1	personality	personality	NOUN
fsr-4128	581	2	and	and	CCONJ
fsr-4128	581	3	social	social	ADJ
fsr-4128	581	4	psychology	psychology	NOUN
fsr-4128	581	5	review	review	NOUN
fsr-4128	581	6	,	,	PUNCT
fsr-4128	581	7	19(2	19(2	NUM
fsr-4128	581	8	)	)	PUNCT
fsr-4128	581	9	,	,	PUNCT
fsr-4128	581	10	113	113	NUM
fsr-4128	581	11	-	-	SYM
fsr-4128	581	12	147	147	NUM
fsr-4128	581	13	.	.	PUNCT
fsr-4128	582	1	ford	ford	PROPN
fsr-4128	582	2	,	,	PUNCT
fsr-4128	582	3	m.	m.	PROPN
fsr-4128	582	4	r.	r.	PROPN
fsr-4128	582	5	,	,	PUNCT
fsr-4128	582	6	ross	ross	PROPN
fsr-4128	582	7	,	,	PUNCT
fsr-4128	582	8	d.	d.	PROPN
fsr-4128	582	9	b.	b.	PROPN
fsr-4128	582	10	,	,	PUNCT
fsr-4128	582	11	grable	grable	PROPN
fsr-4128	582	12	,	,	PUNCT
fsr-4128	582	13	j.	j.	PROPN
fsr-4128	582	14	,	,	PUNCT
fsr-4128	582	15	&	&	CCONJ
fsr-4128	582	16	degraff	degraff	PROPN
fsr-4128	582	17	,	,	PUNCT
fsr-4128	582	18	a.	a.	NOUN
fsr-4128	582	19	(	(	PUNCT
fsr-4128	582	20	2020	2020	NUM
fsr-4128	582	21	)	)	PUNCT
fsr-4128	582	22	.	.	PUNCT
fsr-4128	583	1	examining	examine	VERB
fsr-4128	583	2	the	the	DET
fsr-4128	583	3	role	role	NOUN
fsr-4128	583	4	of	of	ADP
fsr-4128	583	5	financial	financial	ADJ
fsr-4128	583	6	therapy	therapy	NOUN
fsr-4128	583	7	on	on	ADP
fsr-4128	583	8	relationship	relationship	NOUN
fsr-4128	583	9	outcomes	outcome	NOUN
fsr-4128	583	10	and	and	CCONJ
fsr-4128	583	11	help	help	AUX
fsr-4128	583	12	-	-	PUNCT
fsr-4128	583	13	seeking	seek	VERB
fsr-4128	583	14	behavior	behavior	NOUN
fsr-4128	583	15	.	.	PUNCT
fsr-4128	584	1	contemporary	contemporary	ADJ
fsr-4128	584	2	family	family	NOUN
fsr-4128	584	3	therapy	therapy	NOUN
fsr-4128	584	4	,	,	PUNCT
fsr-4128	584	5	42	42	NUM
fsr-4128	584	6	,	,	PUNCT
fsr-4128	584	7	5567	5567	NUM
fsr-4128	584	8	.	.	PUNCT
fsr-4128	585	1	https://doi.org/10.1007/s10591019-09511-y	https://doi.org/10.1007/s10591019-09511-y	NOUN
fsr-4128	585	2	fu	fu	PROPN
fsr-4128	585	3	,	,	PUNCT
fsr-4128	585	4	j.	j.	PROPN
fsr-4128	585	5	(	(	PUNCT
fsr-4128	585	6	2020	2020	NUM
fsr-4128	585	7	)	)	PUNCT
fsr-4128	585	8	.	.	PUNCT
fsr-4128	586	1	ability	ability	NOUN
fsr-4128	586	2	or	or	CCONJ
fsr-4128	586	3	opportunity	opportunity	NOUN
fsr-4128	586	4	to	to	PART
fsr-4128	586	5	act	act	VERB
fsr-4128	586	6	:	:	PUNCT
fsr-4128	586	7	what	what	PRON
fsr-4128	586	8	shapes	shape	VERB
fsr-4128	586	9	financial	financial	ADJ
fsr-4128	586	10	well	well	ADV
fsr-4128	586	11	-	-	PUNCT
fsr-4128	586	12	being	being	NOUN
fsr-4128	586	13	?	?	PUNCT
fsr-4128	587	1	world	world	NOUN
fsr-4128	587	2	development	development	PROPN
fsr-4128	587	3	,	,	PUNCT
fsr-4128	587	4	128	128	NUM
fsr-4128	587	5	,	,	PUNCT
fsr-4128	587	6	104843	104843	NUM
fsr-4128	587	7	.	.	PUNCT
fsr-4128	588	1	https://doi.org/10.1016/j.worlddev.201	https://doi.org/10.1016/j.worlddev.201	VERB
fsr-4128	588	2	9.104843	9.104843	NUM
fsr-4128	588	3	gerhardt	gerhardt	PROPN
fsr-4128	588	4	,	,	PUNCT
fsr-4128	588	5	r.	r.	PROPN
fsr-4128	588	6	,	,	PUNCT
fsr-4128	588	7	&	&	CCONJ
fsr-4128	588	8	hackethal	hackethal	PROPN
fsr-4128	588	9	,	,	PUNCT
fsr-4128	588	10	a.	a.	NOUN
fsr-4128	588	11	(	(	PUNCT
fsr-4128	588	12	2009	2009	NUM
fsr-4128	588	13	)	)	PUNCT
fsr-4128	588	14	.	.	PUNCT
fsr-4128	589	1	the	the	DET
fsr-4128	589	2	influence	influence	NOUN
fsr-4128	589	3	of	of	ADP
fsr-4128	589	4	financial	financial	ADJ
fsr-4128	589	5	advisors	advisor	NOUN
fsr-4128	589	6	on	on	ADP
fsr-4128	589	7	household	household	NOUN
fsr-4128	589	8	portfolios	portfolio	NOUN
fsr-4128	589	9	:	:	PUNCT
fsr-4128	589	10	a	a	DET
fsr-4128	589	11	study	study	NOUN
fsr-4128	589	12	on	on	ADP
fsr-4128	589	13	private	private	ADJ
fsr-4128	589	14	investors	investor	NOUN
fsr-4128	589	15	switching	switch	VERB
fsr-4128	589	16	to	to	ADP
fsr-4128	589	17	financial	financial	ADJ
fsr-4128	589	18	advice	advice	NOUN
fsr-4128	589	19	.	.	PUNCT
fsr-4128	590	1	ssrn	ssrn	PROPN
fsr-4128	590	2	.	.	PUNCT
fsr-4128	591	1	http://dx.doi.org/10.2139/ssrn.1343607	http://dx.doi.org/10.2139/ssrn.1343607	PROPN
fsr-4128	591	2	grable	grable	PROPN
fsr-4128	591	3	,	,	PUNCT
fsr-4128	591	4	j.	j.	PROPN
fsr-4128	591	5	e.	e.	PROPN
fsr-4128	591	6	,	,	PUNCT
fsr-4128	591	7	&	&	CCONJ
fsr-4128	591	8	chatterjee	chatterjee	PROPN
fsr-4128	591	9	,	,	PUNCT
fsr-4128	591	10	s.	s.	PROPN
fsr-4128	591	11	(	(	PUNCT
fsr-4128	591	12	2014	2014	NUM
fsr-4128	591	13	)	)	PUNCT
fsr-4128	591	14	.	.	PUNCT
fsr-4128	592	1	reducing	reduce	VERB
fsr-4128	592	2	wealth	wealth	NOUN
fsr-4128	592	3	volatility	volatility	NOUN
fsr-4128	592	4	:	:	PUNCT
fsr-4128	592	5	the	the	DET
fsr-4128	592	6	value	value	NOUN
fsr-4128	592	7	of	of	ADP
fsr-4128	592	8	financial	financial	ADJ
fsr-4128	592	9	advice	advice	NOUN
fsr-4128	592	10	as	as	SCONJ
fsr-4128	592	11	measured	measure	VERB
fsr-4128	592	12	by	by	ADP
fsr-4128	592	13	zeta	zeta	PROPN
fsr-4128	592	14	.	.	PUNCT
fsr-4128	592	15	journal	journal	PROPN
fsr-4128	592	16	of	of	ADP
fsr-4128	592	17	financial	financial	ADJ
fsr-4128	592	18	planning	planning	NOUN
fsr-4128	592	19	,	,	PUNCT
fsr-4128	592	20	27(8	27(8	NUM
fsr-4128	592	21	)	)	PUNCT
fsr-4128	592	22	,	,	PUNCT
fsr-4128	592	23	45	45	NUM
fsr-4128	592	24	-	-	SYM
fsr-4128	592	25	51	51	NUM
fsr-4128	592	26	.	.	PUNCT
fsr-4128	592	27	grable	grable	PROPN
fsr-4128	592	28	,	,	PUNCT
fsr-4128	592	29	j.	j.	PROPN
fsr-4128	592	30	e.	e.	PROPN
fsr-4128	592	31	,	,	PUNCT
fsr-4128	592	32	&	&	CCONJ
fsr-4128	592	33	joo	joo	PROPN
fsr-4128	592	34	,	,	PUNCT
fsr-4128	592	35	s.-h	s.-h	NOUN
fsr-4128	592	36	.	.	PUNCT
fsr-4128	593	1	(	(	PUNCT
fsr-4128	593	2	2003	2003	NUM
fsr-4128	593	3	)	)	PUNCT
fsr-4128	593	4	.	.	PUNCT
fsr-4128	594	1	a	a	DET
fsr-4128	594	2	snapshot	snapshot	ADJ
fsr-4128	594	3	view	view	NOUN
fsr-4128	594	4	of	of	ADP
fsr-4128	594	5	the	the	DET
fsr-4128	594	6	help	help	NOUN
fsr-4128	594	7	-	-	PUNCT
fsr-4128	594	8	seeking	seek	VERB
fsr-4128	594	9	market	market	NOUN
fsr-4128	594	10	.	.	PUNCT
fsr-4128	595	1	journal	journal	NOUN
fsr-4128	595	2	of	of	ADP
fsr-4128	595	3	financial	financial	ADJ
fsr-4128	595	4	planning	planning	NOUN
fsr-4128	595	5	,	,	PUNCT
fsr-4128	595	6	16(3	16(3	NOUN
fsr-4128	595	7	)	)	PUNCT
fsr-4128	595	8	,	,	PUNCT
fsr-4128	595	9	88	88	NUM
fsr-4128	595	10	-	-	SYM
fsr-4128	595	11	94	94	NUM
fsr-4128	595	12	.	.	PUNCT
fsr-4128	596	1	graeber	graeber	PROPN
fsr-4128	596	2	,	,	PUNCT
fsr-4128	596	3	d.	d.	PROPN
fsr-4128	596	4	(	(	PUNCT
fsr-4128	596	5	2001	2001	NUM
fsr-4128	596	6	)	)	PUNCT
fsr-4128	596	7	.	.	PUNCT
fsr-4128	597	1	toward	toward	ADP
fsr-4128	597	2	an	an	DET
fsr-4128	597	3	anthropolical	anthropolical	ADJ
fsr-4128	597	4	theory	theory	NOUN
fsr-4128	597	5	of	of	ADP
fsr-4128	597	6	value	value	NOUN
fsr-4128	597	7	:	:	PUNCT
fsr-4128	597	8	the	the	DET
fsr-4128	597	9	false	false	ADJ
fsr-4128	597	10	coin	coin	NOUN
fsr-4128	597	11	of	of	ADP
fsr-4128	597	12	our	our	PRON
fsr-4128	597	13	own	own	ADJ
fsr-4128	597	14	dreams	dream	NOUN
fsr-4128	597	15	.	.	PUNCT
fsr-4128	598	1	palgrave	palgrave	PROPN
fsr-4128	598	2	.	.	PUNCT
fsr-4128	599	1	https://doi.org/10.1057/978-0-31229906-4	https://doi.org/10.1057/978-0-31229906-4	PROPN
fsr-4128	599	2	hackethal	hackethal	PROPN
fsr-4128	599	3	,	,	PUNCT
fsr-4128	599	4	a.	a.	NOUN
fsr-4128	599	5	,	,	PUNCT
fsr-4128	599	6	haliassos	haliassos	NOUN
fsr-4128	599	7	,	,	PUNCT
fsr-4128	599	8	m.	m.	NOUN
fsr-4128	599	9	,	,	PUNCT
fsr-4128	599	10	&	&	CCONJ
fsr-4128	599	11	jappelli	jappelli	PROPN
fsr-4128	599	12	,	,	PUNCT
fsr-4128	599	13	t.	t.	PROPN
fsr-4128	599	14	(	(	PUNCT
fsr-4128	599	15	2012	2012	NUM
fsr-4128	599	16	)	)	PUNCT
fsr-4128	599	17	.	.	PUNCT
fsr-4128	600	1	financial	financial	ADJ
fsr-4128	600	2	advisors	advisor	NOUN
fsr-4128	600	3	:	:	PUNCT
fsr-4128	600	4	a	a	DET
fsr-4128	600	5	case	case	NOUN
fsr-4128	600	6	of	of	ADP
fsr-4128	600	7	babysitters	babysitter	NOUN
fsr-4128	600	8	?	?	PUNCT
fsr-4128	601	1	journal	journal	NOUN
fsr-4128	601	2	of	of	ADP
fsr-4128	601	3	banking	banking	NOUN
fsr-4128	601	4	&	&	CCONJ
fsr-4128	601	5	finance	finance	PROPN
fsr-4128	601	6	,	,	PUNCT
fsr-4128	601	7	36(2	36(2	NUM
fsr-4128	601	8	)	)	PUNCT
fsr-4128	601	9	,	,	PUNCT
fsr-4128	601	10	509	509	NUM
fsr-4128	601	11	-	-	SYM
fsr-4128	601	12	524	524	NUM
fsr-4128	601	13	.	.	PUNCT
fsr-4128	602	1	https://doi.org/10.1016/j.jbankfin.2011	https://doi.org/10.1016/j.jbankfin.2011	PROPN
fsr-4128	602	2	.08.008	.08.008	PUNCT
fsr-4128	602	3	himawan	himawan	PROPN
fsr-4128	602	4	,	,	PUNCT
fsr-4128	602	5	a.	a.	NOUN
fsr-4128	602	6	(	(	PUNCT
fsr-4128	602	7	2020	2020	NUM
fsr-4128	602	8	)	)	PUNCT
fsr-4128	602	9	.	.	PUNCT
fsr-4128	603	1	peace	peace	NOUN
fsr-4128	603	2	of	of	ADP
fsr-4128	603	3	mind	mind	NOUN
fsr-4128	603	4	:	:	PUNCT
fsr-4128	603	5	understanding	understand	VERB
fsr-4128	603	6	the	the	DET
fsr-4128	603	7	non	non	ADJ
fsr-4128	603	8	-	-	ADJ
fsr-4128	603	9	financial	financial	ADJ
fsr-4128	603	10	benefits	benefit	NOUN
fsr-4128	603	11	of	of	ADP
fsr-4128	603	12	financial	financial	ADJ
fsr-4128	603	13	advice	advice	NOUN
fsr-4128	603	14	.	.	PUNCT
fsr-4128	604	1	international	international	ADJ
fsr-4128	604	2	longevity	longevity	NOUN
fsr-4128	604	3	centre	centre	NOUN
fsr-4128	604	4	–	–	PUNCT
fsr-4128	604	5	uk	uk	PROPN
fsr-4128	604	6	.	.	PROPN
fsr-4128	604	7	https://ilcuk.org.uk/peace-of-mind/	https://ilcuk.org.uk/peace-of-mind/	PROPN
fsr-4128	604	8	hoechle	hoechle	PROPN
fsr-4128	604	9	,	,	PUNCT
fsr-4128	604	10	d.	d.	PROPN
fsr-4128	604	11	,	,	PUNCT
fsr-4128	604	12	ruenzi	ruenzi	PROPN
fsr-4128	604	13	,	,	PUNCT
fsr-4128	604	14	s.	s.	PROPN
fsr-4128	604	15	,	,	PUNCT
fsr-4128	604	16	schaub	schaub	PROPN
fsr-4128	604	17	,	,	PUNCT
fsr-4128	604	18	n.	n.	NOUN
fsr-4128	604	19	,	,	PUNCT
fsr-4128	604	20	&	&	CCONJ
fsr-4128	604	21	schmid	schmid	PROPN
fsr-4128	604	22	,	,	PUNCT
fsr-4128	604	23	m.	m.	NOUN
fsr-4128	604	24	(	(	PUNCT
fsr-4128	604	25	2017	2017	NUM
fsr-4128	604	26	)	)	PUNCT
fsr-4128	604	27	.	.	PUNCT
fsr-4128	605	1	the	the	DET
fsr-4128	605	2	impact	impact	NOUN
fsr-4128	605	3	of	of	ADP
fsr-4128	605	4	financial	financial	ADJ
fsr-4128	605	5	advice	advice	NOUN
fsr-4128	605	6	on	on	ADP
fsr-4128	605	7	trade	trade	NOUN
fsr-4128	605	8	performance	performance	NOUN
fsr-4128	605	9	and	and	CCONJ
fsr-4128	605	10	behavioral	behavioral	ADJ
fsr-4128	605	11	biases	bias	NOUN
fsr-4128	605	12	.	.	PUNCT
fsr-4128	606	1	review	review	NOUN
fsr-4128	606	2	of	of	ADP
fsr-4128	606	3	finance	finance	NOUN
fsr-4128	606	4	,	,	PUNCT
fsr-4128	606	5	21(2	21(2	NUM
fsr-4128	606	6	)	)	PUNCT
fsr-4128	606	7	,	,	PUNCT
fsr-4128	606	8	871	871	NUM
fsr-4128	606	9	-	-	SYM
fsr-4128	606	10	910	910	NUM
fsr-4128	606	11	.	.	PUNCT
fsr-4128	607	1	https://doi.org/10.1093/rof/rfw032	https://doi.org/10.1093/rof/rfw032	PROPN
fsr-4128	607	2	holbrook	holbrook	PROPN
fsr-4128	607	3	,	,	PUNCT
fsr-4128	607	4	m.	m.	PROPN
fsr-4128	607	5	b.	b.	PROPN
fsr-4128	607	6	(	(	PUNCT
fsr-4128	607	7	2002	2002	NUM
fsr-4128	607	8	)	)	PUNCT
fsr-4128	607	9	.	.	PUNCT
fsr-4128	608	1	introduction	introduction	NOUN
fsr-4128	608	2	to	to	ADP
fsr-4128	608	3	consumer	consumer	NOUN
fsr-4128	608	4	value	value	NOUN
fsr-4128	608	5	.	.	PUNCT
fsr-4128	609	1	in	in	ADP
fsr-4128	609	2	m.	m.	PROPN
fsr-4128	609	3	b.	b.	PROPN
fsr-4128	609	4	holbrook	holbrook	PROPN
fsr-4128	609	5	(	(	PUNCT
fsr-4128	609	6	ed	ed	NOUN
fsr-4128	609	7	.	.	PUNCT
fsr-4128	609	8	)	)	PUNCT
fsr-4128	609	9	,	,	PUNCT
fsr-4128	609	10	consumer	consumer	NOUN
fsr-4128	609	11	value	value	NOUN
fsr-4128	609	12	:	:	PUNCT
fsr-4128	609	13	a	a	DET
fsr-4128	609	14	framework	framework	NOUN
fsr-4128	609	15	for	for	ADP
fsr-4128	609	16	analysis	analysis	NOUN
fsr-4128	609	17	and	and	CCONJ
fsr-4128	609	18	research	research	NOUN
fsr-4128	609	19	(	(	PUNCT
fsr-4128	609	20	pp	pp	ADJ
fsr-4128	609	21	.	.	PUNCT
fsr-4128	609	22	1	1	NUM
fsr-4128	609	23	-	-	SYM
fsr-4128	609	24	28	28	NUM
fsr-4128	609	25	)	)	PUNCT
fsr-4128	609	26	.	.	PUNCT
fsr-4128	610	1	routledge	routledge	PROPN
fsr-4128	610	2	.	.	PUNCT
fsr-4128	611	1	holt	holt	PROPN
fsr-4128	611	2	-	-	PUNCT
fsr-4128	611	3	lunstad	lunstad	PROPN
fsr-4128	611	4	,	,	PUNCT
fsr-4128	611	5	j.	j.	PROPN
fsr-4128	611	6	(	(	PUNCT
fsr-4128	611	7	2018	2018	NUM
fsr-4128	611	8	)	)	PUNCT
fsr-4128	611	9	.	.	PUNCT
fsr-4128	612	1	why	why	SCONJ
fsr-4128	612	2	social	social	ADJ
fsr-4128	612	3	relationships	relationship	NOUN
fsr-4128	612	4	are	be	AUX
fsr-4128	612	5	important	important	ADJ
fsr-4128	612	6	for	for	ADP
fsr-4128	612	7	physical	physical	ADJ
fsr-4128	612	8	health	health	NOUN
fsr-4128	612	9	:	:	PUNCT
fsr-4128	612	10	a	a	DET
fsr-4128	612	11	systems	system	NOUN
fsr-4128	612	12	approach	approach	NOUN
fsr-4128	612	13	to	to	ADP
fsr-4128	612	14	understanding	understanding	NOUN
fsr-4128	612	15	and	and	CCONJ
fsr-4128	612	16	modifying	modify	VERB
fsr-4128	612	17	risk	risk	NOUN
fsr-4128	612	18	and	and	CCONJ
fsr-4128	612	19	protection	protection	NOUN
fsr-4128	612	20	.	.	PUNCT
fsr-4128	613	1	annual	annual	ADJ
fsr-4128	613	2	review	review	NOUN
fsr-4128	613	3	of	of	ADP
fsr-4128	613	4	psychology	psychology	NOUN
fsr-4128	613	5	,	,	PUNCT
fsr-4128	613	6	69	69	NUM
fsr-4128	613	7	,	,	PUNCT
fsr-4128	613	8	437	437	NUM
fsr-4128	613	9	-	-	SYM
fsr-4128	613	10	458	458	NUM
fsr-4128	613	11	.	.	PUNCT
fsr-4128	614	1	holt	holt	PROPN
fsr-4128	614	2	-	-	PUNCT
fsr-4128	614	3	lunstad	lunstad	PROPN
fsr-4128	614	4	,	,	PUNCT
fsr-4128	614	5	j.	j.	PROPN
fsr-4128	614	6	,	,	PUNCT
fsr-4128	614	7	smith	smith	PROPN
fsr-4128	614	8	,	,	PUNCT
fsr-4128	614	9	t.	t.	PROPN
fsr-4128	614	10	,	,	PUNCT
fsr-4128	614	11	&	&	CCONJ
fsr-4128	614	12	layton	layton	PROPN
fsr-4128	614	13	,	,	PUNCT
fsr-4128	614	14	j.	j.	PROPN
fsr-4128	614	15	(	(	PUNCT
fsr-4128	614	16	2010	2010	NUM
fsr-4128	614	17	)	)	PUNCT
fsr-4128	614	18	.	.	PUNCT
fsr-4128	615	1	social	social	ADJ
fsr-4128	615	2	relationships	relationship	NOUN
fsr-4128	615	3	and	and	CCONJ
fsr-4128	615	4	mortality	mortality	NOUN
fsr-4128	615	5	risk	risk	NOUN
fsr-4128	615	6	:	:	PUNCT
fsr-4128	615	7	a	a	DET
fsr-4128	615	8	meta	meta	ADJ
fsr-4128	615	9	-	-	PUNCT
fsr-4128	615	10	analytic	analytic	ADJ
fsr-4128	615	11	review	review	NOUN
fsr-4128	615	12	.	.	PUNCT
fsr-4128	616	1	plos	plos	PROPN
fsr-4128	616	2	medicine	medicine	PROPN
fsr-4128	616	3	,	,	PUNCT
fsr-4128	616	4	7(7	7(7	NUM
fsr-4128	616	5	)	)	PUNCT
fsr-4128	616	6	,	,	PUNCT
fsr-4128	616	7	1000316	1000316	NUM
fsr-4128	616	8	.	.	PUNCT
fsr-4128	617	1	https://doi.org/10.1371/journal.pmed.1	https://doi.org/10.1371/journal.pmed.1	NOUN
fsr-4128	617	2	000316	000316	NUM
fsr-4128	617	3	hung	hung	PROPN
fsr-4128	617	4	,	,	PUNCT
fsr-4128	617	5	a.	a.	NOUN
fsr-4128	617	6	a.	a.	PROPN
fsr-4128	617	7	,	,	PUNCT
fsr-4128	617	8	&	&	CCONJ
fsr-4128	617	9	yoong	yoong	PROPN
fsr-4128	617	10	,	,	PUNCT
fsr-4128	617	11	j.	j.	PROPN
fsr-4128	617	12	k.	k.	PROPN
fsr-4128	617	13	(	(	PUNCT
fsr-4128	617	14	2013	2013	NUM
fsr-4128	617	15	)	)	PUNCT
fsr-4128	617	16	.	.	PUNCT
fsr-4128	618	1	asking	ask	VERB
fsr-4128	618	2	for	for	ADP
fsr-4128	618	3	help	help	NOUN
fsr-4128	618	4	:	:	PUNCT
fsr-4128	618	5	survey	survey	NOUN
fsr-4128	618	6	and	and	CCONJ
fsr-4128	618	7	experimental	experimental	ADJ
fsr-4128	618	8	evidence	evidence	NOUN
fsr-4128	618	9	on	on	ADP
fsr-4128	618	10	financial	financial	ADJ
fsr-4128	618	11	advice	advice	NOUN
fsr-4128	618	12	and	and	CCONJ
fsr-4128	618	13	behavior	behavior	NOUN
fsr-4128	618	14	change	change	NOUN
fsr-4128	618	15	.	.	PUNCT
fsr-4128	619	1	in	in	ADP
fsr-4128	619	2	o.	o.	PROPN
fsr-4128	619	3	s.	s.	PROPN
fsr-4128	619	4	mitchell	mitchell	PROPN
fsr-4128	619	5	&	&	CCONJ
fsr-4128	619	6	k.	k.	PROPN
fsr-4128	619	7	smetters	smetters	PROPN
fsr-4128	619	8	(	(	PUNCT
fsr-4128	619	9	eds	ed	NOUN
fsr-4128	619	10	.	.	PUNCT
fsr-4128	619	11	)	)	PUNCT
fsr-4128	620	1	the	the	DET
fsr-4128	620	2	market	market	NOUN
fsr-4128	620	3	for	for	ADP
fsr-4128	620	4	retirement	retirement	NOUN
fsr-4128	620	5	financial	financial	ADJ
fsr-4128	620	6	advice	advice	NOUN
fsr-4128	620	7	(	(	PUNCT
fsr-4128	620	8	pp	pp	ADJ
fsr-4128	620	9	.	.	PUNCT
fsr-4128	620	10	182212	182212	NUM
fsr-4128	620	11	)	)	PUNCT
fsr-4128	620	12	.	.	PUNCT
fsr-4128	621	1	oxford	oxford	PROPN
fsr-4128	621	2	university	university	PROPN
fsr-4128	621	3	press	press	NOUN
fsr-4128	621	4	.	.	PUNCT
fsr-4128	622	1	hunt	hunt	PROPN
fsr-4128	622	2	,	,	PUNCT
fsr-4128	622	3	k.	k.	PROPN
fsr-4128	622	4	h.	h.	PROPN
fsr-4128	622	5	,	,	PUNCT
fsr-4128	622	6	brimble	brimble	ADJ
fsr-4128	622	7	,	,	PUNCT
fsr-4128	622	8	m.	m.	NOUN
fsr-4128	622	9	,	,	PUNCT
fsr-4128	622	10	&	&	CCONJ
fsr-4128	622	11	freudenberg	freudenberg	PROPN
fsr-4128	622	12	,	,	PUNCT
fsr-4128	622	13	b.	b.	PROPN
fsr-4128	622	14	(	(	PUNCT
fsr-4128	622	15	2022	2022	NUM
fsr-4128	622	16	)	)	PUNCT
fsr-4128	622	17	.	.	PUNCT
fsr-4128	623	1	a	a	DET
fsr-4128	623	2	move	move	NOUN
fsr-4128	623	3	in	in	ADP
fsr-4128	623	4	the	the	DET
fsr-4128	623	5	right	right	ADJ
fsr-4128	623	6	direction	direction	NOUN
fsr-4128	623	7	:	:	PUNCT
fsr-4128	623	8	client	client	NOUN
fsr-4128	623	9	relationships	relationship	NOUN
fsr-4128	623	10	in	in	ADP
fsr-4128	623	11	financial	financial	ADJ
fsr-4128	623	12	advice	advice	NOUN
fsr-4128	623	13	.	.	PUNCT
fsr-4128	624	1	the	the	DET
fsr-4128	624	2	journal	journal	NOUN
fsr-4128	624	3	of	of	ADP
fsr-4128	624	4	wealth	wealth	NOUN
fsr-4128	624	5	management	management	NOUN
fsr-4128	624	6	,	,	PUNCT
fsr-4128	624	7	25(1	25(1	NUM
fsr-4128	624	8	)	)	PUNCT
fsr-4128	624	9	,	,	PUNCT
fsr-4128	624	10	50	50	NUM
fsr-4128	624	11	-	-	SYM
fsr-4128	624	12	81	81	NUM
fsr-4128	624	13	.	.	PUNCT
fsr-4128	625	1	irving	irving	PROPN
fsr-4128	625	2	,	,	PUNCT
fsr-4128	625	3	k.	k.	PROPN
fsr-4128	625	4	,	,	PUNCT
fsr-4128	625	5	gallery	gallery	PROPN
fsr-4128	625	6	,	,	PUNCT
fsr-4128	625	7	g.	g.	PROPN
fsr-4128	625	8	,	,	PUNCT
fsr-4128	625	9	gallery	gallery	NOUN
fsr-4128	625	10	,	,	PUNCT
fsr-4128	625	11	n.	n.	NOUN
fsr-4128	625	12	,	,	PUNCT
fsr-4128	625	13	&	&	CCONJ
fsr-4128	625	14	newton	newton	PROPN
fsr-4128	625	15	,	,	PUNCT
fsr-4128	625	16	c.	c.	PROPN
fsr-4128	625	17	(	(	PUNCT
fsr-4128	625	18	2011	2011	NUM
fsr-4128	625	19	)	)	PUNCT
fsr-4128	625	20	.	.	PUNCT
fsr-4128	626	1	“	"	PUNCT
fsr-4128	626	2	i	i	PRON
fsr-4128	626	3	ca	can	AUX
fsr-4128	626	4	n’t	not	PART
fsr-4128	626	5	get	get	VERB
fsr-4128	626	6	no	no	DET
fsr-4128	626	7	satisfaction	satisfaction	NOUN
fsr-4128	626	8	”	"	PUNCT
fsr-4128	626	9	…	…	PUNCT
fsr-4128	626	10	or	or	CCONJ
fsr-4128	626	11	can	can	AUX
fsr-4128	626	12	i	i	PRON
fsr-4128	626	13	?	?	PUNCT
fsr-4128	627	1	a	a	DET
fsr-4128	627	2	study	study	NOUN
fsr-4128	627	3	of	of	ADP
fsr-4128	627	4	satisfaction	satisfaction	NOUN
fsr-4128	627	5	with	with	ADP
fsr-4128	627	6	financial	financial	ADJ
fsr-4128	627	7	planning	planning	NOUN
fsr-4128	627	8	and	and	CCONJ
fsr-4128	627	9	client	client	NOUN
fsr-4128	627	10	well	well	ADV
fsr-4128	627	11	-	-	PUNCT
fsr-4128	627	12	being	being	NOUN
fsr-4128	627	13	.	.	PUNCT
fsr-4128	628	1	jassa	jassa	ADV
fsr-4128	628	2	:	:	PUNCT
fsr-4128	628	3	the	the	DET
fsr-4128	628	4	finsia	finsia	PROPN
fsr-4128	628	5	journal	journal	NOUN
fsr-4128	628	6	of	of	ADP
fsr-4128	628	7	applied	apply	VERB
fsr-4128	628	8	finance	finance	NOUN
fsr-4128	628	9	,	,	PUNCT
fsr-4128	628	10	2	2	NUM
fsr-4128	628	11	,	,	PUNCT
fsr-4128	628	12	36–44	36–44	NUM
fsr-4128	628	13	.	.	PUNCT
fsr-4128	629	1	jackson	jackson	PROPN
fsr-4128	629	2	,	,	PUNCT
fsr-4128	629	3	j.	j.	PROPN
fsr-4128	629	4	,	,	PUNCT
fsr-4128	629	5	farr	farr	PROPN
fsr-4128	629	6	,	,	PUNCT
fsr-4128	629	7	m.	m.	NOUN
fsr-4128	629	8	,	,	PUNCT
fsr-4128	629	9	birnie	birnie	PROPN
fsr-4128	629	10	,	,	PUNCT
fsr-4128	629	11	k.	k.	PROPN
fsr-4128	629	12	,	,	PUNCT
fsr-4128	629	13	davies	davy	NOUN
fsr-4128	629	14	,	,	PUNCT
fsr-4128	629	15	p.	p.	NOUN
fsr-4128	629	16	,	,	PUNCT
fsr-4128	629	17	mamluk	mamluk	PROPN
fsr-4128	629	18	,	,	PUNCT
fsr-4128	629	19	l.	l.	PROPN
fsr-4128	629	20	,	,	PUNCT
fsr-4128	629	21	o’brien	o’brien	PROPN
fsr-4128	629	22	,	,	PUNCT
fsr-4128	629	23	m.	m.	NOUN
fsr-4128	629	24	,	,	PUNCT
fsr-4128	629	25	spencer	spencer	PROPN
fsr-4128	629	26	,	,	PUNCT
fsr-4128	629	27	j.	j.	PROPN
fsr-4128	629	28	,	,	PUNCT
fsr-4128	629	29	morgan	morgan	PROPN
fsr-4128	629	30	,	,	PUNCT
fsr-4128	629	31	r.	r.	PROPN
fsr-4128	629	32	,	,	PUNCT
fsr-4128	629	33	costello	costello	PROPN
fsr-4128	629	34	,	,	PUNCT
fsr-4128	629	35	c.	c.	PROPN
fsr-4128	629	36	,	,	PUNCT
fsr-4128	629	37	&	&	CCONJ
fsr-4128	629	38	smith	smith	PROPN
fsr-4128	629	39	,	,	PUNCT
fsr-4128	629	40	j.	j.	PROPN
fsr-4128	629	41	(	(	PUNCT
fsr-4128	629	42	2022	2022	NUM
fsr-4128	629	43	)	)	PUNCT
fsr-4128	629	44	.	.	PUNCT
fsr-4128	630	1	preventing	prevent	VERB
fsr-4128	630	2	male	male	ADJ
fsr-4128	630	3	suicide	suicide	NOUN
fsr-4128	630	4	through	through	ADP
fsr-4128	630	5	a	a	DET
fsr-4128	630	6	psychosocial	psychosocial	ADJ
fsr-4128	630	7	intervention	intervention	NOUN
fsr-4128	630	8	that	that	PRON
fsr-4128	630	9	provides	provide	VERB
fsr-4128	630	10	psychological	psychological	ADJ
fsr-4128	630	11	support	support	NOUN
fsr-4128	630	12	and	and	CCONJ
fsr-4128	630	13	tackles	tackle	VERB
fsr-4128	630	14	financial	financial	ADJ
fsr-4128	630	15	difficulties	difficulty	NOUN
fsr-4128	630	16	:	:	PUNCT
fsr-4128	630	17	a	a	DET
fsr-4128	630	18	mixed	mixed	ADJ
fsr-4128	630	19	method	method	NOUN
fsr-4128	630	20	evaluation	evaluation	NOUN
fsr-4128	630	21	.	.	PUNCT
fsr-4128	631	1	bmc	bmc	PROPN
fsr-4128	631	2	psychiatry	psychiatry	NOUN
fsr-4128	631	3	,	,	PUNCT
fsr-4128	631	4	22	22	NUM
fsr-4128	631	5	,	,	PUNCT
fsr-4128	631	6	333	333	NUM
fsr-4128	631	7	.	.	PUNCT
fsr-4128	632	1	https://doi.org/10.1186/s12888-02203973-5	https://doi.org/10.1186/s12888-02203973-5	PROPN
fsr-4128	632	2	joo	joo	PROPN
fsr-4128	632	3	,	,	PUNCT
fsr-4128	632	4	s.-h	s.-h	NOUN
fsr-4128	632	5	.	.	PUNCT
fsr-4128	633	1	(	(	PUNCT
fsr-4128	633	2	1998	1998	NUM
fsr-4128	633	3	)	)	PUNCT
fsr-4128	633	4	.	.	PUNCT
fsr-4128	634	1	personal	personal	ADJ
fsr-4128	634	2	financial	financial	PROPN
fsr-4128	634	3	wellness	wellness	NOUN
fsr-4128	634	4	and	and	CCONJ
fsr-4128	634	5	worker	worker	NOUN
fsr-4128	634	6	job	job	NOUN
fsr-4128	634	7	productivity	productivity	NOUN
fsr-4128	634	8	(	(	PUNCT
fsr-4128	634	9	doctoral	doctoral	ADJ
fsr-4128	634	10	dissertation	dissertation	NOUN
fsr-4128	634	11	,	,	PUNCT
fsr-4128	634	12	virginia	virginia	PROPN
fsr-4128	634	13	polytechnic	polytechnic	PROPN
fsr-4128	634	14	institute	institute	PROPN
fsr-4128	634	15	and	and	CCONJ
fsr-4128	634	16	state	state	PROPN
fsr-4128	634	17	university	university	PROPN
fsr-4128	634	18	)	)	PUNCT
fsr-4128	634	19	.	.	PUNCT
fsr-4128	635	1	virginia	virginia	PROPN
fsr-4128	635	2	tech	tech	PROPN
fsr-4128	635	3	electronic	electronic	PROPN
fsr-4128	635	4	theses	thesis	NOUN
fsr-4128	635	5	and	and	CCONJ
fsr-4128	635	6	https://ilcuk.org.uk/peace-of-mind/	https://ilcuk.org.uk/peace-of-mind/	INTJ
fsr-4128	635	7	macdonald	macdonald	PROPN
fsr-4128	635	8	et	et	PROPN
fsr-4128	635	9	al	al	PROPN
fsr-4128	635	10	.	.	PROPN
fsr-4128	635	11	161	161	NUM
fsr-4128	635	12	dissertations	dissertation	NOUN
fsr-4128	635	13	.	.	PUNCT
fsr-4128	636	1	http://hdl.handle.net/10919/30519	http://hdl.handle.net/10919/30519	PROPN
fsr-4128	636	2	joo	joo	PROPN
fsr-4128	636	3	,	,	PUNCT
fsr-4128	636	4	s.-h	s.-h	NOUN
fsr-4128	636	5	.	.	PUNCT
fsr-4128	636	6	(	(	PUNCT
fsr-4128	636	7	2008	2008	NUM
fsr-4128	636	8	)	)	PUNCT
fsr-4128	636	9	.	.	PUNCT
fsr-4128	637	1	personal	personal	ADJ
fsr-4128	637	2	financial	financial	ADJ
fsr-4128	637	3	wellness	wellness	NOUN
fsr-4128	637	4	.	.	PUNCT
fsr-4128	638	1	in	in	ADP
fsr-4128	638	2	j.	j.	PROPN
fsr-4128	638	3	j.	j.	PROPN
fsr-4128	638	4	xiao	xiao	PROPN
fsr-4128	638	5	(	(	PUNCT
fsr-4128	638	6	ed	ed	NOUN
fsr-4128	638	7	.	.	PUNCT
fsr-4128	638	8	)	)	PUNCT
fsr-4128	638	9	,	,	PUNCT
fsr-4128	638	10	handbook	handbook	NOUN
fsr-4128	638	11	of	of	ADP
fsr-4128	638	12	consumer	consumer	NOUN
fsr-4128	638	13	finance	finance	NOUN
fsr-4128	638	14	research	research	NOUN
fsr-4128	638	15	(	(	PUNCT
fsr-4128	638	16	pp	pp	ADJ
fsr-4128	638	17	.	.	PUNCT
fsr-4128	638	18	21	21	NUM
fsr-4128	638	19	-	-	SYM
fsr-4128	638	20	34	34	NUM
fsr-4128	638	21	)	)	PUNCT
fsr-4128	638	22	.	.	PUNCT
fsr-4128	639	1	springer	springer	NOUN
fsr-4128	639	2	.	.	PUNCT
fsr-4128	640	1	https://ahmadladhani.files.wordpress.c	https://ahmadladhani.files.wordpress.c	ADJ
fsr-4128	640	2	om/2009/10	om/2009/10	ADJ
fsr-4128	640	3	/	/	SYM
fsr-4128	640	4	handbook_of_cfr.pdf	handbook_of_cfr.pdf	NOUN
fsr-4128	640	5	kempson	kempson	NOUN
fsr-4128	640	6	,	,	PUNCT
fsr-4128	640	7	e.	e.	PROPN
fsr-4128	640	8	,	,	PUNCT
fsr-4128	640	9	finney	finney	PROPN
fsr-4128	640	10	,	,	PUNCT
fsr-4128	640	11	a.	a.	PROPN
fsr-4128	640	12	,	,	PUNCT
fsr-4128	640	13	&	&	CCONJ
fsr-4128	640	14	poppe	poppe	PROPN
fsr-4128	640	15	,	,	PUNCT
fsr-4128	640	16	c.	c.	PROPN
fsr-4128	640	17	(	(	PUNCT
fsr-4128	640	18	2017	2017	NUM
fsr-4128	640	19	)	)	PUNCT
fsr-4128	640	20	.	.	PUNCT
fsr-4128	641	1	financial	financial	ADJ
fsr-4128	641	2	well	well	ADV
fsr-4128	641	3	-	-	PUNCT
fsr-4128	641	4	being	being	NOUN
fsr-4128	641	5	:	:	PUNCT
fsr-4128	641	6	a	a	DET
fsr-4128	641	7	conceptual	conceptual	ADJ
fsr-4128	641	8	model	model	NOUN
fsr-4128	641	9	and	and	CCONJ
fsr-4128	641	10	preliminary	preliminary	ADJ
fsr-4128	641	11	analysis	analysis	NOUN
fsr-4128	641	12	.	.	PUNCT
fsr-4128	642	1	sifo	sifo	ADJ
fsr-4128	642	2	consumption	consumption	NOUN
fsr-4128	642	3	research	research	NOUN
fsr-4128	642	4	norway	norway	PROPN
fsr-4128	642	5	.	.	PUNCT
fsr-4128	643	1	https://hdl.handle.net/20.500.12199/59	https://hdl.handle.net/20.500.12199/59	VERB
fsr-4128	643	2	68	68	NUM
fsr-4128	643	3	kim	kim	PROPN
fsr-4128	643	4	,	,	PUNCT
fsr-4128	643	5	j.	j.	PROPN
fsr-4128	643	6	,	,	PUNCT
fsr-4128	643	7	&	&	CCONJ
fsr-4128	643	8	garman	garman	PROPN
fsr-4128	643	9	,	,	PUNCT
fsr-4128	643	10	e.	e.	PROPN
fsr-4128	643	11	t.	t.	PROPN
fsr-4128	643	12	(	(	PUNCT
fsr-4128	643	13	2003	2003	NUM
fsr-4128	643	14	)	)	PUNCT
fsr-4128	643	15	.	.	PUNCT
fsr-4128	644	1	financial	financial	ADJ
fsr-4128	644	2	education	education	NOUN
fsr-4128	644	3	and	and	CCONJ
fsr-4128	644	4	advice	advice	NOUN
fsr-4128	644	5	changes	change	NOUN
fsr-4128	644	6	worker	worker	NOUN
fsr-4128	644	7	attitudes	attitude	NOUN
fsr-4128	644	8	and	and	CCONJ
fsr-4128	644	9	behaviors	behavior	NOUN
fsr-4128	644	10	.	.	PUNCT
fsr-4128	645	1	journal	journal	PROPN
fsr-4128	645	2	of	of	ADP
fsr-4128	645	3	compensation	compensation	NOUN
fsr-4128	645	4	and	and	CCONJ
fsr-4128	645	5	benefits	benefit	NOUN
fsr-4128	645	6	,	,	PUNCT
fsr-4128	645	7	19(5	19(5	NUM
fsr-4128	645	8	)	)	PUNCT
fsr-4128	645	9	,	,	PUNCT
fsr-4128	645	10	713	713	NUM
fsr-4128	645	11	.	.	PUNCT
fsr-4128	646	1	kim	kim	PROPN
fsr-4128	646	2	,	,	PUNCT
fsr-4128	646	3	j.	j.	PROPN
fsr-4128	646	4	,	,	PUNCT
fsr-4128	646	5	garman	garman	PROPN
fsr-4128	646	6	,	,	PUNCT
fsr-4128	646	7	e.	e.	PROPN
fsr-4128	646	8	t.	t.	PROPN
fsr-4128	646	9	,	,	PUNCT
fsr-4128	646	10	&	&	CCONJ
fsr-4128	646	11	sorhaindo	sorhaindo	PROPN
fsr-4128	646	12	,	,	PUNCT
fsr-4128	646	13	b.	b.	PROPN
fsr-4128	646	14	(	(	PUNCT
fsr-4128	646	15	2003	2003	NUM
fsr-4128	646	16	)	)	PUNCT
fsr-4128	646	17	.	.	PUNCT
fsr-4128	647	1	relationships	relationship	NOUN
fsr-4128	647	2	among	among	ADP
fsr-4128	647	3	credit	credit	NOUN
fsr-4128	647	4	counseling	counseling	NOUN
fsr-4128	647	5	clients	client	NOUN
fsr-4128	647	6	'	'	PART
fsr-4128	647	7	financial	financial	ADJ
fsr-4128	647	8	wellbeing	wellbeing	NOUN
fsr-4128	647	9	,	,	PUNCT
fsr-4128	647	10	financial	financial	ADJ
fsr-4128	647	11	behaviors	behavior	NOUN
fsr-4128	647	12	,	,	PUNCT
fsr-4128	647	13	financial	financial	ADJ
fsr-4128	647	14	stressor	stressor	NOUN
fsr-4128	647	15	events	event	NOUN
fsr-4128	647	16	,	,	PUNCT
fsr-4128	647	17	and	and	CCONJ
fsr-4128	647	18	health	health	NOUN
fsr-4128	647	19	.	.	PUNCT
fsr-4128	648	1	journal	journal	PROPN
fsr-4128	648	2	of	of	ADP
fsr-4128	648	3	financial	financial	ADJ
fsr-4128	648	4	counseling	counseling	NOUN
fsr-4128	648	5	and	and	CCONJ
fsr-4128	648	6	planning	planning	NOUN
fsr-4128	648	7	,	,	PUNCT
fsr-4128	648	8	14(2	14(2	NUM
fsr-4128	648	9	)	)	PUNCT
fsr-4128	648	10	,	,	PUNCT
fsr-4128	648	11	75	75	NUM
fsr-4128	648	12	-	-	SYM
fsr-4128	648	13	87	87	NUM
fsr-4128	648	14	.	.	PUNCT
fsr-4128	649	1	kramer	kramer	PROPN
fsr-4128	649	2	,	,	PUNCT
fsr-4128	649	3	m.	m.	NOUN
fsr-4128	649	4	m.	m.	NOUN
fsr-4128	649	5	(	(	PUNCT
fsr-4128	649	6	2012	2012	NUM
fsr-4128	649	7	)	)	PUNCT
fsr-4128	649	8	.	.	PUNCT
fsr-4128	650	1	financial	financial	ADJ
fsr-4128	650	2	advice	advice	NOUN
fsr-4128	650	3	and	and	CCONJ
fsr-4128	650	4	individual	individual	ADJ
fsr-4128	650	5	investor	investor	NOUN
fsr-4128	650	6	portfolio	portfolio	NOUN
fsr-4128	650	7	performance	performance	NOUN
fsr-4128	650	8	.	.	PUNCT
fsr-4128	651	1	financial	financial	ADJ
fsr-4128	651	2	management	management	NOUN
fsr-4128	651	3	,	,	PUNCT
fsr-4128	651	4	41(2	41(2	NUM
fsr-4128	651	5	)	)	PUNCT
fsr-4128	651	6	,	,	PUNCT
fsr-4128	651	7	395	395	NUM
fsr-4128	651	8	-	-	SYM
fsr-4128	651	9	428	428	NUM
fsr-4128	651	10	.	.	PUNCT
fsr-4128	652	1	ladha	ladha	ADJ
fsr-4128	652	2	,	,	PUNCT
fsr-4128	652	3	t.	t.	PROPN
fsr-4128	652	4	,	,	PUNCT
fsr-4128	652	5	asrow	asrow	PROPN
fsr-4128	652	6	,	,	PUNCT
fsr-4128	652	7	k.	k.	PROPN
fsr-4128	652	8	,	,	PUNCT
fsr-4128	652	9	parker	parker	PROPN
fsr-4128	652	10	,	,	PUNCT
fsr-4128	652	11	s.	s.	PROPN
fsr-4128	652	12	,	,	PUNCT
fsr-4128	652	13	rhyne	rhyne	PROPN
fsr-4128	652	14	,	,	PUNCT
fsr-4128	652	15	e.	e.	PROPN
fsr-4128	652	16	,	,	PUNCT
fsr-4128	652	17	&	&	CCONJ
fsr-4128	652	18	kelly	kelly	PROPN
fsr-4128	652	19	,	,	PUNCT
fsr-4128	652	20	s.	s.	PROPN
fsr-4128	652	21	(	(	PUNCT
fsr-4128	652	22	2017	2017	NUM
fsr-4128	652	23	)	)	PUNCT
fsr-4128	652	24	.	.	PUNCT
fsr-4128	653	1	beyond	beyond	ADP
fsr-4128	653	2	financial	financial	ADJ
fsr-4128	653	3	inclusion	inclusion	NOUN
fsr-4128	653	4	:	:	PUNCT
fsr-4128	653	5	financial	financial	ADJ
fsr-4128	653	6	health	health	NOUN
fsr-4128	653	7	as	as	ADP
fsr-4128	653	8	a	a	DET
fsr-4128	653	9	global	global	ADJ
fsr-4128	653	10	framework	framework	NOUN
fsr-4128	653	11	.	.	PUNCT
fsr-4128	654	1	center	center	NOUN
fsr-4128	654	2	for	for	ADP
fsr-4128	654	3	financial	financial	ADJ
fsr-4128	654	4	services	service	NOUN
fsr-4128	654	5	innovation	innovation	NOUN
fsr-4128	654	6	.	.	PUNCT
fsr-4128	655	1	https://content.centerforfinancialinclus	https://content.centerforfinancialinclus	PROPN
fsr-4128	655	2	ion.org/wpcontent/uploads/sites/2/2017/03/finhe	ion.org/wpcontent/uploads/sites/2/2017/03/finhe	PROPN
fsr-4128	655	3	althglobal-final.2017.04.11.pdf	althglobal-final.2017.04.11.pdf	PROPN
fsr-4128	655	4	lee	lee	PROPN
fsr-4128	655	5	,	,	PUNCT
fsr-4128	655	6	j.	j.	PROPN
fsr-4128	655	7	,	,	PUNCT
fsr-4128	655	8	&	&	CCONJ
fsr-4128	655	9	cho	cho	PROPN
fsr-4128	655	10	,	,	PUNCT
fsr-4128	655	11	j.	j.	PROPN
fsr-4128	655	12	(	(	PUNCT
fsr-4128	655	13	2005	2005	NUM
fsr-4128	655	14	)	)	PUNCT
fsr-4128	655	15	.	.	PUNCT
fsr-4128	656	1	consumers	consumer	NOUN
fsr-4128	656	2	’	'	PUNCT
fsr-4128	656	3	use	use	NOUN
fsr-4128	656	4	of	of	ADP
fsr-4128	656	5	information	information	NOUN
fsr-4128	656	6	intermediaries	intermediary	NOUN
fsr-4128	656	7	and	and	CCONJ
fsr-4128	656	8	the	the	DET
fsr-4128	656	9	impact	impact	NOUN
fsr-4128	656	10	on	on	ADP
fsr-4128	656	11	their	their	PRON
fsr-4128	656	12	information	information	NOUN
fsr-4128	656	13	search	search	NOUN
fsr-4128	656	14	behavior	behavior	NOUN
fsr-4128	656	15	in	in	ADP
fsr-4128	656	16	the	the	DET
fsr-4128	656	17	financial	financial	ADJ
fsr-4128	656	18	market	market	NOUN
fsr-4128	656	19	.	.	PUNCT
fsr-4128	657	1	journal	journal	NOUN
fsr-4128	657	2	of	of	ADP
fsr-4128	657	3	consumer	consumer	NOUN
fsr-4128	657	4	affairs	affair	NOUN
fsr-4128	657	5	,	,	PUNCT
fsr-4128	657	6	39(1	39(1	NUM
fsr-4128	657	7	)	)	PUNCT
fsr-4128	657	8	,	,	PUNCT
fsr-4128	657	9	95120	95120	NUM
fsr-4128	657	10	.	.	PUNCT
fsr-4128	658	1	https://doi.org/10.1111/j.17456606.2005.00005.x	https://doi.org/10.1111/j.17456606.2005.00005.x	X
fsr-4128	658	2	linnainmaa	linnainmaa	PROPN
fsr-4128	658	3	,	,	PUNCT
fsr-4128	658	4	j.	j.	PROPN
fsr-4128	658	5	t.	t.	PROPN
fsr-4128	658	6	,	,	PUNCT
fsr-4128	658	7	melzer	melzer	PROPN
fsr-4128	658	8	,	,	PUNCT
fsr-4128	658	9	b.	b.	PROPN
fsr-4128	658	10	t.	t.	PROPN
fsr-4128	658	11	,	,	PUNCT
fsr-4128	658	12	&	&	CCONJ
fsr-4128	658	13	previtero	previtero	PROPN
fsr-4128	658	14	,	,	PUNCT
fsr-4128	658	15	a.	a.	NOUN
fsr-4128	658	16	(	(	PUNCT
fsr-4128	658	17	2021	2021	NUM
fsr-4128	658	18	)	)	PUNCT
fsr-4128	658	19	.	.	PUNCT
fsr-4128	659	1	the	the	DET
fsr-4128	659	2	misguided	misguided	ADJ
fsr-4128	659	3	beliefs	belief	NOUN
fsr-4128	659	4	of	of	ADP
fsr-4128	659	5	financial	financial	ADJ
fsr-4128	659	6	advisors	advisor	NOUN
fsr-4128	659	7	.	.	PUNCT
fsr-4128	660	1	the	the	DET
fsr-4128	660	2	journal	journal	PROPN
fsr-4128	660	3	of	of	ADP
fsr-4128	660	4	finance	finance	NOUN
fsr-4128	660	5	,	,	PUNCT
fsr-4128	660	6	76(2	76(2	NUM
fsr-4128	660	7	)	)	PUNCT
fsr-4128	660	8	,	,	PUNCT
fsr-4128	660	9	587	587	NUM
fsr-4128	660	10	-	-	SYM
fsr-4128	660	11	621	621	NUM
fsr-4128	660	12	.	.	PUNCT
fsr-4128	661	1	https://doi.org/10.1111/jofi.12995	https://doi.org/10.1111/jofi.12995	PROPN
fsr-4128	661	2	littlechild	littlechild	PROPN
fsr-4128	661	3	,	,	PUNCT
fsr-4128	661	4	j.	j.	PROPN
fsr-4128	661	5	(	(	PUNCT
fsr-4128	661	6	2013	2013	NUM
fsr-4128	661	7	)	)	PUNCT
fsr-4128	661	8	.	.	PUNCT
fsr-4128	662	1	measuring	measure	VERB
fsr-4128	662	2	adviser	adviser	NOUN
fsr-4128	662	3	value	value	NOUN
fsr-4128	662	4	in	in	ADP
fsr-4128	662	5	a	a	DET
fsr-4128	662	6	fee	fee	NOUN
fsr-4128	662	7	-	-	PUNCT
fsr-4128	662	8	based	base	VERB
fsr-4128	662	9	world	world	NOUN
fsr-4128	662	10	.	.	PUNCT
fsr-4128	663	1	vanguard	vanguard	NOUN
fsr-4128	663	2	.	.	PUNCT
fsr-4128	664	1	loy	loy	PROPN
fsr-4128	664	2	,	,	PUNCT
fsr-4128	664	3	e.	e.	PROPN
fsr-4128	664	4	,	,	PUNCT
fsr-4128	664	5	macdonald	macdonald	PROPN
fsr-4128	664	6	,	,	PUNCT
fsr-4128	664	7	k.	k.	PROPN
fsr-4128	664	8	l.	l.	PROPN
fsr-4128	664	9	,	,	PUNCT
fsr-4128	664	10	brimble	brimble	ADJ
fsr-4128	664	11	,	,	PUNCT
fsr-4128	664	12	m.	m.	NOUN
fsr-4128	664	13	,	,	PUNCT
fsr-4128	664	14	&	&	CCONJ
fsr-4128	664	15	wildman	wildman	PROPN
fsr-4128	664	16	,	,	PUNCT
fsr-4128	664	17	k.	k.	PROPN
fsr-4128	664	18	l.	l.	PROPN
fsr-4128	664	19	(	(	PUNCT
fsr-4128	664	20	2021	2021	NUM
fsr-4128	664	21	)	)	PUNCT
fsr-4128	664	22	.	.	PUNCT
fsr-4128	665	1	the	the	DET
fsr-4128	665	2	value	value	NOUN
fsr-4128	665	3	of	of	ADP
fsr-4128	665	4	professional	professional	ADJ
fsr-4128	665	5	financial	financial	ADJ
fsr-4128	665	6	advice	advice	NOUN
fsr-4128	665	7	for	for	ADP
fsr-4128	665	8	consumers	consumer	NOUN
fsr-4128	665	9	in	in	ADP
fsr-4128	665	10	a	a	DET
fsr-4128	665	11	crisis	crisis	NOUN
fsr-4128	665	12	:	:	PUNCT
fsr-4128	665	13	experiences	experience	NOUN
fsr-4128	665	14	of	of	ADP
fsr-4128	665	15	financial	financial	ADJ
fsr-4128	665	16	advisers	adviser	NOUN
fsr-4128	665	17	during	during	ADP
fsr-4128	665	18	the	the	DET
fsr-4128	665	19	covid19	covid19	NOUN
fsr-4128	665	20	pandemic	pandemic	ADJ
fsr-4128	665	21	.	.	PUNCT
fsr-4128	666	1	griffith	griffith	PROPN
fsr-4128	666	2	university	university	PROPN
fsr-4128	666	3	.	.	PUNCT
fsr-4128	667	1	https://www.griffith.edu.au/__data/ass	https://www.griffith.edu.au/__data/ass	PROPN
fsr-4128	667	2	ets	ets	PROPN
fsr-4128	667	3	/	/	SYM
fsr-4128	667	4	pdf_file/0025/1417804	pdf_file/0025/1417804	NOUN
fsr-4128	667	5	/	/	SYM
fsr-4128	667	6	professiona	professiona	PROPN
fsr-4128	667	7	l-advice-in-a-crisis_amp-griffithreport.pdf	l-advice-in-a-crisis_amp-griffithreport.pdf	PROPN
fsr-4128	667	8	loy	loy	PROPN
fsr-4128	667	9	,	,	PUNCT
fsr-4128	667	10	e.	e.	PROPN
fsr-4128	667	11	,	,	PUNCT
fsr-4128	667	12	macdonald	macdonald	PROPN
fsr-4128	667	13	,	,	PUNCT
fsr-4128	667	14	k.	k.	PROPN
fsr-4128	667	15	l.	l.	PROPN
fsr-4128	667	16	,	,	PUNCT
fsr-4128	667	17	brimble	brimble	ADJ
fsr-4128	667	18	,	,	PUNCT
fsr-4128	667	19	m.	m.	NOUN
fsr-4128	667	20	,	,	PUNCT
fsr-4128	667	21	&	&	CCONJ
fsr-4128	667	22	wildman	wildman	PROPN
fsr-4128	667	23	,	,	PUNCT
fsr-4128	667	24	k.	k.	PROPN
fsr-4128	667	25	l.	l.	PROPN
fsr-4128	667	26	(	(	PUNCT
fsr-4128	667	27	2023	2023	NUM
fsr-4128	667	28	)	)	PUNCT
fsr-4128	667	29	.	.	PUNCT
fsr-4128	668	1	the	the	DET
fsr-4128	668	2	value	value	NOUN
fsr-4128	668	3	of	of	ADP
fsr-4128	668	4	financial	financial	ADJ
fsr-4128	668	5	advice	advice	NOUN
fsr-4128	668	6	:	:	PUNCT
fsr-4128	668	7	perspectives	perspective	NOUN
fsr-4128	668	8	of	of	ADP
fsr-4128	668	9	australian	australian	ADJ
fsr-4128	668	10	financial	financial	ADJ
fsr-4128	668	11	advisers	adviser	NOUN
fsr-4128	668	12	.	.	PUNCT
fsr-4128	669	1	griffith	griffith	PROPN
fsr-4128	669	2	university	university	PROPN
fsr-4128	669	3	.	.	PUNCT
fsr-4128	670	1	https://www.griffith.edu.au/__data/ass	https://www.griffith.edu.au/__data/ass	PROPN
fsr-4128	670	2	ets	ets	PROPN
fsr-4128	670	3	/	/	SYM
fsr-4128	670	4	pdf_file/0027/2070594	pdf_file/0027/2070594	NOUN
fsr-4128	670	5	/	/	SYM
fsr-4128	670	6	value	value	NOUN
fsr-4128	670	7	-	-	PUNCT
fsr-4128	670	8	ofadvice	ofadvice	NOUN
fsr-4128	670	9	-	-	PUNCT
fsr-4128	670	10	amp	amp	NOUN
fsr-4128	670	11	-	-	PUNCT
fsr-4128	670	12	report.pdf	report.pdf	NOUN
fsr-4128	670	13	lozza	lozza	NOUN
fsr-4128	670	14	,	,	PUNCT
fsr-4128	670	15	e.	e.	PROPN
fsr-4128	670	16	,	,	PUNCT
fsr-4128	670	17	castiglioni	castiglioni	PROPN
fsr-4128	670	18	,	,	PUNCT
fsr-4128	670	19	c.	c.	PROPN
fsr-4128	670	20	,	,	PUNCT
fsr-4128	670	21	bonanomi	bonanomi	NOUN
fsr-4128	670	22	,	,	PUNCT
fsr-4128	670	23	a.	a.	NOUN
fsr-4128	670	24	,	,	PUNCT
fsr-4128	670	25	&	&	CCONJ
fsr-4128	670	26	poli	poli	PROPN
fsr-4128	670	27	,	,	PUNCT
fsr-4128	670	28	f.	f.	PROPN
fsr-4128	670	29	(	(	PUNCT
fsr-4128	670	30	2022	2022	NUM
fsr-4128	670	31	)	)	PUNCT
fsr-4128	670	32	.	.	PUNCT
fsr-4128	671	1	money	money	NOUN
fsr-4128	671	2	as	as	ADP
fsr-4128	671	3	a	a	DET
fsr-4128	671	4	symbol	symbol	NOUN
fsr-4128	671	5	in	in	ADP
fsr-4128	671	6	the	the	DET
fsr-4128	671	7	relationship	relationship	NOUN
fsr-4128	671	8	between	between	ADP
fsr-4128	671	9	financial	financial	ADJ
fsr-4128	671	10	advisors	advisor	NOUN
fsr-4128	671	11	and	and	CCONJ
fsr-4128	671	12	their	their	PRON
fsr-4128	671	13	clients	client	NOUN
fsr-4128	671	14	:	:	PUNCT
fsr-4128	671	15	a	a	DET
fsr-4128	671	16	dyadic	dyadic	ADJ
fsr-4128	671	17	study	study	NOUN
fsr-4128	671	18	.	.	PUNCT
fsr-4128	672	1	international	international	ADJ
fsr-4128	672	2	journal	journal	PROPN
fsr-4128	672	3	of	of	ADP
fsr-4128	672	4	bank	bank	PROPN
fsr-4128	672	5	marketing	marketing	NOUN
fsr-4128	672	6	,	,	PUNCT
fsr-4128	672	7	40(7	40(7	NOUN
fsr-4128	672	8	)	)	PUNCT
fsr-4128	672	9	,	,	PUNCT
fsr-4128	672	10	613	613	NUM
fsr-4128	672	11	-	-	SYM
fsr-4128	672	12	630	630	NUM
fsr-4128	672	13	.	.	PUNCT
fsr-4128	673	1	https://doi.org/10.1108/ijbm-04-20210124	https://doi.org/10.1108/ijbm-04-20210124	PROPN
fsr-4128	674	1	macdonald	macdonald	PROPN
fsr-4128	674	2	,	,	PUNCT
fsr-4128	674	3	k.	k.	PROPN
fsr-4128	674	4	l.	l.	PROPN
fsr-4128	674	5	,	,	PUNCT
fsr-4128	674	6	loy	loy	PROPN
fsr-4128	674	7	,	,	PUNCT
fsr-4128	674	8	e.	e.	PROPN
fsr-4128	674	9	,	,	PUNCT
fsr-4128	674	10	brimble	brimble	ADJ
fsr-4128	674	11	,	,	PUNCT
fsr-4128	674	12	m.	m.	NOUN
fsr-4128	674	13	,	,	PUNCT
fsr-4128	674	14	&	&	CCONJ
fsr-4128	674	15	wildman	wildman	PROPN
fsr-4128	674	16	,	,	PUNCT
fsr-4128	674	17	k.	k.	PROPN
fsr-4128	674	18	l.	l.	PROPN
fsr-4128	674	19	(	(	PUNCT
fsr-4128	674	20	2023	2023	NUM
fsr-4128	674	21	)	)	PUNCT
fsr-4128	674	22	.	.	PUNCT
fsr-4128	675	1	the	the	DET
fsr-4128	675	2	value	value	NOUN
fsr-4128	675	3	of	of	ADP
fsr-4128	675	4	personal	personal	ADJ
fsr-4128	675	5	professional	professional	ADJ
fsr-4128	675	6	financial	financial	ADJ
fsr-4128	675	7	advice	advice	NOUN
fsr-4128	675	8	to	to	ADP
fsr-4128	675	9	clients	client	NOUN
fsr-4128	675	10	:	:	PUNCT
fsr-4128	675	11	a	a	DET
fsr-4128	675	12	systematic	systematic	ADJ
fsr-4128	675	13	quantitative	quantitative	ADJ
fsr-4128	675	14	literature	literature	PROPN
fsr-4128	675	15	review	review	PROPN
fsr-4128	675	16	.	.	PUNCT
fsr-4128	676	1	accounting	accounting	PROPN
fsr-4128	676	2	&	&	CCONJ
fsr-4128	676	3	finance	finance	PROPN
fsr-4128	676	4	,	,	PUNCT
fsr-4128	676	5	63(4	63(4	NOUN
fsr-4128	676	6	)	)	PUNCT
fsr-4128	676	7	,	,	PUNCT
fsr-4128	676	8	4399	4399	NUM
fsr-4128	676	9	-	-	SYM
fsr-4128	676	10	4429	4429	NUM
fsr-4128	676	11	.	.	PUNCT
fsr-4128	677	1	https://doi.org/10.1111/acfi.13099	https://doi.org/10.1111/acfi.13099	PROPN
fsr-4128	677	2	madamba	madamba	PROPN
fsr-4128	677	3	,	,	PUNCT
fsr-4128	677	4	a.	a.	PROPN
fsr-4128	677	5	,	,	PUNCT
fsr-4128	677	6	&	&	CCONJ
fsr-4128	677	7	utkus	utkus	PROPN
fsr-4128	677	8	,	,	PUNCT
fsr-4128	677	9	s.	s.	PROPN
fsr-4128	677	10	p.	p.	PROPN
fsr-4128	677	11	(	(	PUNCT
fsr-4128	677	12	2017	2017	NUM
fsr-4128	677	13	)	)	PUNCT
fsr-4128	677	14	.	.	PUNCT
fsr-4128	678	1	trust	trust	NOUN
fsr-4128	678	2	and	and	CCONJ
fsr-4128	678	3	financial	financial	ADJ
fsr-4128	678	4	advice	advice	NOUN
fsr-4128	678	5	.	.	PUNCT
fsr-4128	679	1	vanguard	vanguard	NOUN
fsr-4128	679	2	.	.	PUNCT
fsr-4128	680	1	https://static.vgcontent.info/crp/intl/au	https://static.vgcontent.info/crp/intl/au	PROPN
fsr-4128	680	2	w	w	X
fsr-4128	680	3	/	/	SYM
fsr-4128	680	4	docs	doc	NOUN
fsr-4128	680	5	/	/	SYM
fsr-4128	680	6	resources	resource	NOUN
fsr-4128	680	7	/	/	SYM
fsr-4128	680	8	adviser	adviser	NOUN
fsr-4128	680	9	/	/	SYM
fsr-4128	680	10	vanguard_re	vanguard_re	NOUN
fsr-4128	680	11	search_trust_and_financial_advice.pd	search_trust_and_financial_advice.pd	PROPN
fsr-4128	680	12	f	f	PROPN
fsr-4128	680	13	manders	manders	PROPN
fsr-4128	680	14	,	,	PUNCT
fsr-4128	680	15	j.	j.	PROPN
fsr-4128	680	16	(	(	PUNCT
fsr-4128	680	17	2021	2021	NUM
fsr-4128	680	18	)	)	PUNCT
fsr-4128	680	19	.	.	PUNCT
fsr-4128	681	1	let	let	VERB
fsr-4128	681	2	the	the	DET
fsr-4128	681	3	buyer	buyer	NOUN
fsr-4128	681	4	beware	beware	VERB
fsr-4128	681	5	:	:	PUNCT
fsr-4128	681	6	an	an	DET
fsr-4128	681	7	analysis	analysis	NOUN
fsr-4128	681	8	of	of	ADP
fsr-4128	681	9	self	self	NOUN
fsr-4128	681	10	-	-	PUNCT
fsr-4128	681	11	protection	protection	NOUN
fsr-4128	681	12	measures	measure	NOUN
fsr-4128	681	13	and	and	CCONJ
fsr-4128	681	14	traits	trait	NOUN
fsr-4128	681	15	in	in	ADP
fsr-4128	681	16	client	client	NOUN
fsr-4128	681	17	-	-	PUNCT
fsr-4128	681	18	advisor	advisor	NOUN
fsr-4128	681	19	relationships	relationship	NOUN
fsr-4128	681	20	(	(	PUNCT
fsr-4128	681	21	master	master	NOUN
fsr-4128	681	22	’s	’s	PART
fsr-4128	681	23	thesis	thesis	NOUN
fsr-4128	681	24	,	,	PUNCT
fsr-4128	681	25	griffith	griffith	PROPN
fsr-4128	681	26	university	university	PROPN
fsr-4128	681	27	)	)	PUNCT
fsr-4128	681	28	.	.	PUNCT
fsr-4128	682	1	griffith	griffith	PROPN
fsr-4128	682	2	university	university	PROPN
fsr-4128	682	3	.	.	PUNCT
fsr-4128	683	1	marsden	marsden	PROPN
fsr-4128	683	2	,	,	PUNCT
fsr-4128	683	3	m.	m.	NOUN
fsr-4128	683	4	,	,	PUNCT
fsr-4128	683	5	zick	zick	PROPN
fsr-4128	683	6	,	,	PUNCT
fsr-4128	683	7	c.	c.	PROPN
fsr-4128	683	8	d.	d.	PROPN
fsr-4128	683	9	,	,	PUNCT
fsr-4128	683	10	&	&	CCONJ
fsr-4128	683	11	mayer	mayer	PROPN
fsr-4128	683	12	,	,	PUNCT
fsr-4128	683	13	r.	r.	PROPN
fsr-4128	683	14	n.	n.	PROPN
fsr-4128	683	15	(	(	PUNCT
fsr-4128	683	16	2011	2011	NUM
fsr-4128	683	17	)	)	PUNCT
fsr-4128	683	18	.	.	PUNCT
fsr-4128	684	1	the	the	DET
fsr-4128	684	2	value	value	NOUN
fsr-4128	684	3	of	of	ADP
fsr-4128	684	4	seeking	seek	VERB
fsr-4128	684	5	financial	financial	ADJ
fsr-4128	684	6	advice	advice	NOUN
fsr-4128	684	7	.	.	PUNCT
fsr-4128	685	1	journal	journal	NOUN
fsr-4128	685	2	of	of	ADP
fsr-4128	685	3	family	family	NOUN
fsr-4128	685	4	and	and	CCONJ
fsr-4128	685	5	economic	economic	ADJ
fsr-4128	685	6	issues	issue	NOUN
fsr-4128	685	7	,	,	PUNCT
fsr-4128	685	8	32(4	32(4	NUM
fsr-4128	685	9	)	)	PUNCT
fsr-4128	685	10	,	,	PUNCT
fsr-4128	685	11	625	625	NUM
fsr-4128	685	12	-	-	SYM
fsr-4128	685	13	643	643	NUM
fsr-4128	685	14	.	.	PUNCT
fsr-4128	686	1	https://doi.org/10.1007/s10834-0119258-z	https://doi.org/10.1007/s10834-0119258-z	PROPN
fsr-4128	686	2	http://hdl.handle.net/10919/30519	http://hdl.handle.net/10919/30519	PROPN
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fsr-4128	686	4	https://content.centerforfinancialinclusion.org/wp-content/uploads/sites/2/2017/03/finhealthglobal-final.2017.04.11.pdf	https://content.centerforfinancialinclusion.org/wp-content/uploads/sites/2/2017/03/finhealthglobal-final.2017.04.11.pdf	PROPN
fsr-4128	686	5	https://content.centerforfinancialinclusion.org/wp-content/uploads/sites/2/2017/03/finhealthglobal-final.2017.04.11.pdf	https://content.centerforfinancialinclusion.org/wp-content/uploads/sites/2/2017/03/finhealthglobal-final.2017.04.11.pdf	PROPN
fsr-4128	686	6	https://content.centerforfinancialinclusion.org/wp-content/uploads/sites/2/2017/03/finhealthglobal-final.2017.04.11.pdf	https://content.centerforfinancialinclusion.org/wp-content/uploads/sites/2/2017/03/finhealthglobal-final.2017.04.11.pdf	PROPN
fsr-4128	686	7	https://static.vgcontent.info/crp/intl/auw/docs/resources/adviser/vanguard_research_trust_and_financial_advice.pdf	https://static.vgcontent.info/crp/intl/auw/docs/resources/adviser/vanguard_research_trust_and_financial_advice.pdf	PROPN
fsr-4128	686	8	https://static.vgcontent.info/crp/intl/auw/docs/resources/adviser/vanguard_research_trust_and_financial_advice.pdf	https://static.vgcontent.info/crp/intl/auw/docs/resources/adviser/vanguard_research_trust_and_financial_advice.pdf	PROPN
fsr-4128	686	9	https://static.vgcontent.info/crp/intl/auw/docs/resources/adviser/vanguard_research_trust_and_financial_advice.pdf	https://static.vgcontent.info/crp/intl/auw/docs/resources/adviser/vanguard_research_trust_and_financial_advice.pdf	PROPN
fsr-4128	686	10	https://static.vgcontent.info/crp/intl/auw/docs/resources/adviser/vanguard_research_trust_and_financial_advice.pdf	https://static.vgcontent.info/crp/intl/auw/docs/resources/adviser/vanguard_research_trust_and_financial_advice.pdf	PROPN
fsr-4128	686	11	financial	financial	PROPN
fsr-4128	686	12	services	services	PROPN
fsr-4128	686	13	review	review	NOUN
fsr-4128	686	14	,	,	PUNCT
fsr-4128	686	15	33(4	33(4	NUM
fsr-4128	686	16	)	)	PUNCT
fsr-4128	686	17	162	162	NUM
fsr-4128	686	18	martin	martin	PROPN
fsr-4128	686	19	jr	jr	PROPN
fsr-4128	686	20	,	,	PUNCT
fsr-4128	686	21	t.	t.	PROPN
fsr-4128	686	22	k.	k.	PROPN
fsr-4128	686	23	,	,	PUNCT
fsr-4128	686	24	guillemette	guillemette	PROPN
fsr-4128	686	25	,	,	PUNCT
fsr-4128	686	26	m.	m.	NOUN
fsr-4128	686	27	a.	a.	PROPN
fsr-4128	686	28	,	,	PUNCT
fsr-4128	686	29	&	&	CCONJ
fsr-4128	686	30	browning	browning	PROPN
fsr-4128	686	31	,	,	PUNCT
fsr-4128	686	32	c.	c.	PROPN
fsr-4128	686	33	m.	m.	NOUN
fsr-4128	686	34	(	(	PUNCT
fsr-4128	686	35	2016	2016	NUM
fsr-4128	686	36	)	)	PUNCT
fsr-4128	686	37	.	.	PUNCT
fsr-4128	687	1	do	do	AUX
fsr-4128	687	2	retirement	retirement	NOUN
fsr-4128	687	3	planning	planning	NOUN
fsr-4128	687	4	strategies	strategy	NOUN
fsr-4128	687	5	alter	alter	VERB
fsr-4128	687	6	the	the	DET
fsr-4128	687	7	effect	effect	NOUN
fsr-4128	687	8	of	of	ADP
fsr-4128	687	9	time	time	NOUN
fsr-4128	687	10	preference	preference	NOUN
fsr-4128	687	11	on	on	ADP
fsr-4128	687	12	retirement	retirement	NOUN
fsr-4128	687	13	wealth	wealth	NOUN
fsr-4128	687	14	?	?	PUNCT
fsr-4128	688	1	applied	apply	VERB
fsr-4128	688	2	economics	economic	NOUN
fsr-4128	688	3	letters	letter	NOUN
fsr-4128	688	4	,	,	PUNCT
fsr-4128	688	5	23(14	23(14	NOUN
fsr-4128	688	6	)	)	PUNCT
fsr-4128	688	7	,	,	PUNCT
fsr-4128	688	8	1003	1003	NUM
fsr-4128	688	9	-	-	SYM
fsr-4128	688	10	1005	1005	NUM
fsr-4128	688	11	.	.	PUNCT
fsr-4128	689	1	https://doi.org/10.1080/13504851.2015	https://doi.org/10.1080/13504851.2015	NOUN
fsr-4128	689	2	.1128068	.1128068	PROPN
fsr-4128	689	3	migliavacca	migliavacca	PROPN
fsr-4128	689	4	,	,	PUNCT
fsr-4128	689	5	m.	m.	NOUN
fsr-4128	689	6	(	(	PUNCT
fsr-4128	689	7	2020	2020	NUM
fsr-4128	689	8	)	)	PUNCT
fsr-4128	689	9	.	.	PUNCT
fsr-4128	690	1	keep	keep	VERB
fsr-4128	690	2	your	your	PRON
fsr-4128	690	3	customer	customer	NOUN
fsr-4128	690	4	knowledgeable	knowledgeable	ADJ
fsr-4128	690	5	:	:	PUNCT
fsr-4128	690	6	financial	financial	ADJ
fsr-4128	690	7	advisors	advisor	NOUN
fsr-4128	690	8	as	as	ADP
fsr-4128	690	9	educators	educator	NOUN
fsr-4128	690	10	.	.	PUNCT
fsr-4128	691	1	the	the	DET
fsr-4128	691	2	european	european	PROPN
fsr-4128	691	3	journal	journal	PROPN
fsr-4128	691	4	of	of	ADP
fsr-4128	691	5	finance	finance	NOUN
fsr-4128	691	6	,	,	PUNCT
fsr-4128	691	7	26(4	26(4	NUM
fsr-4128	691	8	-	-	SYM
fsr-4128	691	9	5	5	NUM
fsr-4128	691	10	)	)	PUNCT
fsr-4128	691	11	,	,	PUNCT
fsr-4128	691	12	402	402	NUM
fsr-4128	691	13	-	-	SYM
fsr-4128	691	14	419	419	NUM
fsr-4128	691	15	.	.	PUNCT
fsr-4128	692	1	https://doi.org/10.1080/1351847x.201	https://doi.org/10.1080/1351847x.201	VERB
fsr-4128	692	2	9.1700148	9.1700148	NUM
fsr-4128	692	3	mirriam	mirriam	NOUN
fsr-4128	692	4	-	-	PUNCT
fsr-4128	692	5	webster	webster	PROPN
fsr-4128	692	6	inc	inc	PROPN
fsr-4128	692	7	.	.	PROPN
fsr-4128	692	8	(	(	PUNCT
fsr-4128	692	9	n.d	n.d	PROPN
fsr-4128	692	10	.	.	PROPN
fsr-4128	692	11	)	)	PUNCT
fsr-4128	692	12	.	.	PUNCT
fsr-4128	693	1	value	value	NOUN
fsr-4128	693	2	.	.	PUNCT
fsr-4128	694	1	https://www.merriamwebster.com/dictionary/value	https://www.merriamwebster.com/dictionary/value	ADJ
fsr-4128	694	2	montmarquette	montmarquette	NOUN
fsr-4128	694	3	,	,	PUNCT
fsr-4128	694	4	c.	c.	PROPN
fsr-4128	694	5	,	,	PUNCT
fsr-4128	694	6	&	&	CCONJ
fsr-4128	694	7	viennot	viennot	PROPN
fsr-4128	694	8	-	-	PUNCT
fsr-4128	694	9	briot	briot	NOUN
fsr-4128	694	10	,	,	PUNCT
fsr-4128	694	11	n.	n.	NOUN
fsr-4128	694	12	(	(	PUNCT
fsr-4128	694	13	2015	2015	NUM
fsr-4128	694	14	)	)	PUNCT
fsr-4128	694	15	.	.	PUNCT
fsr-4128	695	1	the	the	DET
fsr-4128	695	2	value	value	NOUN
fsr-4128	695	3	of	of	ADP
fsr-4128	695	4	financial	financial	ADJ
fsr-4128	695	5	advice	advice	NOUN
fsr-4128	695	6	.	.	PUNCT
fsr-4128	696	1	annals	annal	NOUN
fsr-4128	696	2	of	of	ADP
fsr-4128	696	3	economics	economic	NOUN
fsr-4128	696	4	and	and	CCONJ
fsr-4128	696	5	finance	finance	NOUN
fsr-4128	696	6	,	,	PUNCT
fsr-4128	696	7	16(1	16(1	NUM
fsr-4128	696	8	)	)	PUNCT
fsr-4128	696	9	,	,	PUNCT
fsr-4128	696	10	69	69	NUM
fsr-4128	696	11	-	-	SYM
fsr-4128	696	12	94	94	NUM
fsr-4128	696	13	.	.	PUNCT
fsr-4128	697	1	muir	muir	PROPN
fsr-4128	697	2	,	,	PUNCT
fsr-4128	697	3	k.	k.	PROPN
fsr-4128	697	4	,	,	PUNCT
fsr-4128	697	5	hamilton	hamilton	PROPN
fsr-4128	697	6	,	,	PUNCT
fsr-4128	697	7	m.	m.	NOUN
fsr-4128	697	8	,	,	PUNCT
fsr-4128	697	9	noone	noone	PROPN
fsr-4128	697	10	,	,	PUNCT
fsr-4128	697	11	j.	j.	PROPN
fsr-4128	697	12	,	,	PUNCT
fsr-4128	697	13	marjolin	marjolin	PROPN
fsr-4128	697	14	,	,	PUNCT
fsr-4128	697	15	a.	a.	NOUN
fsr-4128	697	16	,	,	PUNCT
fsr-4128	697	17	salignac	salignac	NOUN
fsr-4128	697	18	,	,	PUNCT
fsr-4128	697	19	f.	f.	PROPN
fsr-4128	697	20	,	,	PUNCT
fsr-4128	697	21	&	&	CCONJ
fsr-4128	697	22	saunders	saunder	NOUN
fsr-4128	697	23	,	,	PUNCT
fsr-4128	697	24	p.	p.	NOUN
fsr-4128	697	25	(	(	PUNCT
fsr-4128	697	26	2017	2017	NUM
fsr-4128	697	27	)	)	PUNCT
fsr-4128	697	28	.	.	PUNCT
fsr-4128	698	1	exploring	explore	VERB
fsr-4128	698	2	financial	financial	ADJ
fsr-4128	698	3	wellbeing	wellbeing	NOUN
fsr-4128	698	4	in	in	ADP
fsr-4128	698	5	the	the	DET
fsr-4128	698	6	australian	australian	ADJ
fsr-4128	698	7	context	context	NOUN
fsr-4128	698	8	.	.	PUNCT
fsr-4128	699	1	centre	centre	NOUN
fsr-4128	699	2	for	for	ADP
fsr-4128	699	3	social	social	ADJ
fsr-4128	699	4	impact	impact	NOUN
fsr-4128	699	5	&	&	CCONJ
fsr-4128	699	6	social	social	ADJ
fsr-4128	699	7	policy	policy	NOUN
fsr-4128	699	8	research	research	NOUN
fsr-4128	699	9	centre	centre	NOUN
fsr-4128	699	10	,	,	PUNCT
fsr-4128	699	11	university	university	NOUN
fsr-4128	699	12	of	of	ADP
fsr-4128	699	13	new	new	ADJ
fsr-4128	699	14	south	south	PROPN
fsr-4128	699	15	wales	wales	PROPN
fsr-4128	699	16	.	.	PUNCT
fsr-4128	700	1	https://www.csi.edu.au/media/explorin	https://www.csi.edu.au/media/explorin	PROPN
fsr-4128	700	2	g_financial_wellbeing_in_the_austra	g_financial_wellbeing_in_the_austra	PROPN
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fsr-4128	700	4	nguyen	nguyen	PROPN
fsr-4128	700	5	,	,	PUNCT
fsr-4128	700	6	s.	s.	PROPN
fsr-4128	700	7	m.	m.	PROPN
fsr-4128	700	8	(	(	PUNCT
fsr-4128	700	9	2022	2022	NUM
fsr-4128	700	10	)	)	PUNCT
fsr-4128	700	11	.	.	PUNCT
fsr-4128	701	1	visualization	visualization	NOUN
fsr-4128	701	2	and	and	CCONJ
fsr-4128	701	3	bibliometric	bibliometric	ADJ
fsr-4128	701	4	analysis	analysis	NOUN
fsr-4128	701	5	on	on	ADP
fsr-4128	701	6	the	the	DET
fsr-4128	701	7	research	research	NOUN
fsr-4128	701	8	of	of	ADP
fsr-4128	701	9	financial	financial	ADJ
fsr-4128	701	10	wellbeing	wellbeing	NOUN
fsr-4128	701	11	.	.	PUNCT
fsr-4128	702	1	international	international	ADJ
fsr-4128	702	2	journal	journal	PROPN
fsr-4128	702	3	of	of	ADP
fsr-4128	702	4	advanced	advanced	ADJ
fsr-4128	702	5	and	and	CCONJ
fsr-4128	702	6	applied	apply	VERB
fsr-4128	702	7	sciences	science	NOUN
fsr-4128	702	8	,	,	PUNCT
fsr-4128	702	9	9(3	9(3	NUM
fsr-4128	702	10	)	)	PUNCT
fsr-4128	702	11	,	,	PUNCT
fsr-4128	702	12	10	10	NUM
fsr-4128	702	13	-	-	SYM
fsr-4128	702	14	18	18	NUM
fsr-4128	702	15	.	.	PUNCT
fsr-4128	703	1	https://doi.org/10.21833/ijaas.2022.03	https://doi.org/10.21833/ijaas.2022.03	PROPN
fsr-4128	703	2	.	.	PROPN
fsr-4128	703	3	002	002	NUM
fsr-4128	703	4	oecd	oecd	PROPN
fsr-4128	703	5	.	.	PUNCT
fsr-4128	703	6	(	(	PUNCT
fsr-4128	703	7	2020	2020	NUM
fsr-4128	703	8	)	)	PUNCT
fsr-4128	703	9	.	.	PUNCT
fsr-4128	704	1	oecd	oecd	PROPN
fsr-4128	704	2	pensions	pension	NOUN
fsr-4128	704	3	outlook	outlook	NOUN
fsr-4128	704	4	2020	2020	NUM
fsr-4128	704	5	.	.	PUNCT
fsr-4128	705	1	oecd	oecd	PROPN
fsr-4128	705	2	publishing	publishing	NOUN
fsr-4128	705	3	.	.	PUNCT
fsr-4128	706	1	https://doi.org/10.1787/67ede41b-en	https://doi.org/10.1787/67ede41b-en	ADJ
fsr-4128	706	2	o'neill	o'neill	PROPN
fsr-4128	706	3	,	,	PUNCT
fsr-4128	706	4	b.	b.	PROPN
fsr-4128	706	5	,	,	PUNCT
fsr-4128	706	6	prawitz	prawitz	PROPN
fsr-4128	706	7	,	,	PUNCT
fsr-4128	706	8	a.	a.	NOUN
fsr-4128	706	9	,	,	PUNCT
fsr-4128	706	10	sorhaindo	sorhaindo	PROPN
fsr-4128	706	11	,	,	PUNCT
fsr-4128	706	12	b.	b.	PROPN
fsr-4128	706	13	,	,	PUNCT
fsr-4128	706	14	kim	kim	PROPN
fsr-4128	706	15	,	,	PUNCT
fsr-4128	706	16	j.	j.	PROPN
fsr-4128	706	17	,	,	PUNCT
fsr-4128	706	18	&	&	CCONJ
fsr-4128	706	19	garman	garman	PROPN
fsr-4128	706	20	,	,	PUNCT
fsr-4128	706	21	e.	e.	PROPN
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fsr-4128	706	23	(	(	PUNCT
fsr-4128	706	24	2006	2006	NUM
fsr-4128	706	25	)	)	PUNCT
fsr-4128	706	26	.	.	PUNCT
fsr-4128	707	1	changes	change	NOUN
fsr-4128	707	2	in	in	ADP
fsr-4128	707	3	health	health	NOUN
fsr-4128	707	4	,	,	PUNCT
fsr-4128	707	5	negative	negative	ADJ
fsr-4128	707	6	financial	financial	ADJ
fsr-4128	707	7	events	event	NOUN
fsr-4128	707	8	,	,	PUNCT
fsr-4128	707	9	and	and	CCONJ
fsr-4128	707	10	financial	financial	ADJ
fsr-4128	707	11	distress	distress	NOUN
fsr-4128	707	12	/	/	SYM
fsr-4128	707	13	financial	financial	ADJ
fsr-4128	707	14	well	well	NOUN
fsr-4128	707	15	-	-	PUNCT
fsr-4128	707	16	being	being	NOUN
fsr-4128	707	17	for	for	ADP
fsr-4128	707	18	debt	debt	NOUN
fsr-4128	707	19	management	management	NOUN
fsr-4128	707	20	program	program	NOUN
fsr-4128	707	21	clients	client	NOUN
fsr-4128	707	22	.	.	PUNCT
fsr-4128	708	1	journal	journal	NOUN
fsr-4128	708	2	of	of	ADP
fsr-4128	708	3	financial	financial	ADJ
fsr-4128	708	4	counseling	counseling	NOUN
fsr-4128	708	5	and	and	CCONJ
fsr-4128	708	6	planning	planning	NOUN
fsr-4128	708	7	,	,	PUNCT
fsr-4128	708	8	17(2	17(2	NUM
fsr-4128	708	9	)	)	PUNCT
fsr-4128	708	10	,	,	PUNCT
fsr-4128	708	11	46	46	NUM
fsr-4128	708	12	-	-	SYM
fsr-4128	708	13	63	63	NUM
fsr-4128	708	14	.	.	PUNCT
fsr-4128	709	1	https://ssrn.com/abstract=2232121	https://ssrn.com/abstract=2232121	NOUN
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fsr-4128	709	3	,	,	PUNCT
fsr-4128	709	4	c.	c.	PROPN
fsr-4128	709	5	a.	a.	PROPN
fsr-4128	709	6	,	,	PUNCT
fsr-4128	709	7	&	&	CCONJ
fsr-4128	709	8	utkus	utkus	PROPN
fsr-4128	709	9	,	,	PUNCT
fsr-4128	709	10	s.	s.	PROPN
fsr-4128	709	11	p.	p.	PROPN
fsr-4128	709	12	(	(	PUNCT
fsr-4128	709	13	2019	2019	NUM
fsr-4128	709	14	)	)	PUNCT
fsr-4128	709	15	.	.	PUNCT
fsr-4128	710	1	assessing	assess	VERB
fsr-4128	710	2	the	the	DET
fsr-4128	710	3	value	value	NOUN
fsr-4128	710	4	of	of	ADP
fsr-4128	710	5	advice	advice	NOUN
fsr-4128	710	6	.	.	PUNCT
fsr-4128	711	1	vanguard	vanguard	NOUN
fsr-4128	711	2	.	.	PUNCT
fsr-4128	712	1	https://institutional.vanguard.com/cont	https://institutional.vanguard.com/cont	ADV
fsr-4128	712	2	ent	ent	NOUN
fsr-4128	712	3	/	/	SYM
fsr-4128	712	4	dam	dam	NOUN
fsr-4128	712	5	/	/	SYM
fsr-4128	712	6	inst	inst	NOUN
fsr-4128	712	7	/	/	SYM
fsr-4128	712	8	iigtransformation	iigtransformation	NOUN
fsr-4128	712	9	/	/	SYM
fsr-4128	712	10	insights	insight	NOUN
fsr-4128	712	11	/	/	SYM
fsr-4128	712	12	pdf	pdf	NOUN
fsr-4128	712	13	/	/	SYM
fsr-4128	712	14	assessingthe	assessingthe	ADJ
fsr-4128	712	15	-	-	PUNCT
fsr-4128	712	16	value	value	NOUN
fsr-4128	712	17	-	-	PUNCT
fsr-4128	712	18	of	of	ADP
fsr-4128	712	19	-	-	PUNCT
fsr-4128	712	20	advice.pdf	advice.pdf	NOUN
fsr-4128	712	21	pleasence	pleasence	NOUN
fsr-4128	712	22	,	,	PUNCT
fsr-4128	712	23	p.	p.	NOUN
fsr-4128	712	24	,	,	PUNCT
fsr-4128	712	25	buck	buck	NOUN
fsr-4128	712	26	,	,	PUNCT
fsr-4128	712	27	a.	a.	NOUN
fsr-4128	712	28	,	,	PUNCT
fsr-4128	712	29	balmer	balmer	PROPN
fsr-4128	712	30	,	,	PUNCT
fsr-4128	712	31	n.	n.	PROPN
fsr-4128	712	32	j.	j.	PROPN
fsr-4128	712	33	,	,	PUNCT
fsr-4128	712	34	&	&	CCONJ
fsr-4128	712	35	williams	williams	PROPN
fsr-4128	712	36	,	,	PUNCT
fsr-4128	712	37	k.	k.	PROPN
fsr-4128	712	38	(	(	PUNCT
fsr-4128	712	39	2007	2007	NUM
fsr-4128	712	40	)	)	PUNCT
fsr-4128	712	41	.	.	PUNCT
fsr-4128	713	1	a	a	DET
fsr-4128	713	2	helping	help	VERB
fsr-4128	713	3	hand	hand	NOUN
fsr-4128	713	4	:	:	PUNCT
fsr-4128	713	5	the	the	DET
fsr-4128	713	6	impact	impact	NOUN
fsr-4128	713	7	of	of	ADP
fsr-4128	713	8	debt	debt	NOUN
fsr-4128	713	9	advice	advice	NOUN
fsr-4128	713	10	on	on	ADP
fsr-4128	713	11	people	people	NOUN
fsr-4128	713	12	’s	’s	PART
fsr-4128	713	13	lives	life	NOUN
fsr-4128	713	14	.	.	PUNCT
fsr-4128	714	1	legal	legal	ADJ
fsr-4128	714	2	services	service	NOUN
fsr-4128	714	3	research	research	NOUN
fsr-4128	714	4	centre	centre	NOUN
fsr-4128	714	5	.	.	PUNCT
fsr-4128	715	1	https://webarchive.nationalarchives.go	https://webarchive.nationalarchives.go	X
fsr-4128	715	2	v.uk/ukgwa/20100210214545/http://lsr	v.uk/ukgwa/20100210214545/http://lsr	X
fsr-4128	715	3	c.org.uk/publications/impact.pdf	c.org.uk/publications/impact.pdf	PROPN
fsr-4128	715	4	pollard	pollard	PROPN
fsr-4128	715	5	,	,	PUNCT
fsr-4128	715	6	c.	c.	PROPN
fsr-4128	715	7	m.	m.	PROPN
fsr-4128	715	8	,	,	PUNCT
fsr-4128	715	9	booth	booth	PROPN
fsr-4128	715	10	,	,	PUNCT
fsr-4128	715	11	s.	s.	PROPN
fsr-4128	715	12	,	,	PUNCT
fsr-4128	715	13	louth	louth	PROPN
fsr-4128	715	14	,	,	PUNCT
fsr-4128	715	15	j.	j.	PROPN
fsr-4128	715	16	,	,	PUNCT
fsr-4128	715	17	mackenzie	mackenzie	PROPN
fsr-4128	715	18	,	,	PUNCT
fsr-4128	715	19	c.	c.	PROPN
fsr-4128	715	20	,	,	PUNCT
fsr-4128	715	21	&	&	CCONJ
fsr-4128	715	22	goodwin‐smith	goodwin‐smith	PROPN
fsr-4128	715	23	,	,	PUNCT
fsr-4128	715	24	i.	i.	PROPN
fsr-4128	715	25	(	(	PUNCT
fsr-4128	715	26	2020	2020	NUM
fsr-4128	715	27	)	)	PUNCT
fsr-4128	715	28	.	.	PUNCT
fsr-4128	716	1	“	"	PUNCT
fsr-4128	716	2	i	i	PRON
fsr-4128	716	3	'd	would	AUX
fsr-4128	716	4	be	be	AUX
fsr-4128	716	5	sleeping	sleep	VERB
fsr-4128	716	6	in	in	ADP
fsr-4128	716	7	the	the	DET
fsr-4128	716	8	park	park	NOUN
fsr-4128	716	9	,	,	PUNCT
fsr-4128	716	10	i	i	PRON
fsr-4128	716	11	reckon	reckon	VERB
fsr-4128	716	12	”	"	PUNCT
fsr-4128	716	13	:	:	PUNCT
fsr-4128	716	14	lived	live	VERB
fsr-4128	716	15	experience	experience	NOUN
fsr-4128	716	16	of	of	ADP
fsr-4128	716	17	using	use	VERB
fsr-4128	716	18	financial	financial	ADJ
fsr-4128	716	19	counselling	counselling	NOUN
fsr-4128	716	20	services	service	NOUN
fsr-4128	716	21	in	in	ADP
fsr-4128	716	22	south	south	PROPN
fsr-4128	716	23	australia	australia	PROPN
fsr-4128	716	24	.	.	PUNCT
fsr-4128	717	1	economic	economic	ADJ
fsr-4128	717	2	papers	paper	NOUN
fsr-4128	717	3	,	,	PUNCT
fsr-4128	717	4	39(4	39(4	NOUN
fsr-4128	717	5	)	)	PUNCT
fsr-4128	717	6	,	,	PUNCT
fsr-4128	717	7	353	353	NUM
fsr-4128	717	8	-	-	SYM
fsr-4128	717	9	366	366	NUM
fsr-4128	717	10	.	.	PUNCT
fsr-4128	717	11	https://doi.org/10.1111/17593441.12298	https://doi.org/10.1111/17593441.12298	PROPN
fsr-4128	717	12	porter	porter	NOUN
fsr-4128	717	13	,	,	PUNCT
fsr-4128	717	14	n.	n.	NOUN
fsr-4128	717	15	m.	m.	NOUN
fsr-4128	717	16	(	(	PUNCT
fsr-4128	717	17	1990	1990	NUM
fsr-4128	717	18	)	)	PUNCT
fsr-4128	717	19	.	.	PUNCT
fsr-4128	718	1	testing	test	VERB
fsr-4128	718	2	a	a	DET
fsr-4128	718	3	model	model	NOUN
fsr-4128	718	4	of	of	ADP
fsr-4128	718	5	financial	financial	ADJ
fsr-4128	718	6	well	well	NOUN
fsr-4128	718	7	-	-	PUNCT
fsr-4128	718	8	being	be	AUX
fsr-4128	718	9	(	(	PUNCT
fsr-4128	718	10	publication	publication	NOUN
fsr-4128	718	11	no	no	INTJ
fsr-4128	718	12	.	.	NOUN
fsr-4128	718	13	9028076	9028076	NUM
fsr-4128	718	14	)	)	PUNCT
fsr-4128	719	1	[	[	X
fsr-4128	719	2	doctoral	doctoral	ADJ
fsr-4128	719	3	dissertation	dissertation	NOUN
fsr-4128	719	4	,	,	PUNCT
fsr-4128	719	5	virginia	virginia	PROPN
fsr-4128	719	6	polytechnic	polytechnic	PROPN
fsr-4128	719	7	institute	institute	PROPN
fsr-4128	719	8	and	and	CCONJ
fsr-4128	719	9	state	state	PROPN
fsr-4128	719	10	university	university	PROPN
fsr-4128	719	11	]	]	PUNCT
fsr-4128	719	12	.	.	PUNCT
fsr-4128	720	1	virginia	virginia	PROPN
fsr-4128	720	2	tech	tech	PROPN
fsr-4128	720	3	electronic	electronic	ADJ
fsr-4128	720	4	theses	thesis	NOUN
fsr-4128	720	5	and	and	CCONJ
fsr-4128	720	6	dissertations	dissertation	NOUN
fsr-4128	720	7	.	.	PUNCT
fsr-4128	721	1	https://vtechworks.lib.vt.edu/handle/10	https://vtechworks.lib.vt.edu/handle/10	NUM
fsr-4128	721	2	919/39899	919/39899	NUM
fsr-4128	721	3	prawitz	prawitz	NOUN
fsr-4128	721	4	,	,	PUNCT
fsr-4128	721	5	a.	a.	NOUN
fsr-4128	721	6	,	,	PUNCT
fsr-4128	721	7	garman	garman	PROPN
fsr-4128	721	8	,	,	PUNCT
fsr-4128	721	9	e.	e.	PROPN
fsr-4128	721	10	t.	t.	PROPN
fsr-4128	721	11	,	,	PUNCT
fsr-4128	721	12	sorhaindo	sorhaindo	PROPN
fsr-4128	721	13	,	,	PUNCT
fsr-4128	721	14	b.	b.	PROPN
fsr-4128	721	15	,	,	PUNCT
fsr-4128	721	16	o'neill	o'neill	PROPN
fsr-4128	721	17	,	,	PUNCT
fsr-4128	721	18	b.	b.	PROPN
fsr-4128	721	19	,	,	PUNCT
fsr-4128	721	20	kim	kim	PROPN
fsr-4128	721	21	,	,	PUNCT
fsr-4128	721	22	j.	j.	PROPN
fsr-4128	721	23	,	,	PUNCT
fsr-4128	721	24	&	&	CCONJ
fsr-4128	721	25	drentea	drentea	NOUN
fsr-4128	721	26	,	,	PUNCT
fsr-4128	721	27	p.	p.	NOUN
fsr-4128	721	28	(	(	PUNCT
fsr-4128	721	29	2006	2006	NUM
fsr-4128	721	30	)	)	PUNCT
fsr-4128	721	31	.	.	PUNCT
fsr-4128	722	1	incharge	incharge	NOUN
fsr-4128	722	2	financial	financial	ADJ
fsr-4128	722	3	distress	distress	NOUN
fsr-4128	722	4	/	/	SYM
fsr-4128	722	5	financial	financial	ADJ
fsr-4128	722	6	well	well	ADV
fsr-4128	722	7	-	-	PUNCT
fsr-4128	722	8	being	being	NOUN
fsr-4128	722	9	scale	scale	NOUN
fsr-4128	722	10	:	:	PUNCT
fsr-4128	722	11	development	development	NOUN
fsr-4128	722	12	,	,	PUNCT
fsr-4128	722	13	administration	administration	NOUN
fsr-4128	722	14	,	,	PUNCT
fsr-4128	722	15	and	and	CCONJ
fsr-4128	722	16	score	score	NOUN
fsr-4128	722	17	interpretation	interpretation	NOUN
fsr-4128	722	18	.	.	PUNCT
fsr-4128	723	1	journal	journal	PROPN
fsr-4128	723	2	of	of	ADP
fsr-4128	723	3	financial	financial	ADJ
fsr-4128	723	4	counseling	counseling	NOUN
fsr-4128	723	5	and	and	CCONJ
fsr-4128	723	6	planning	planning	NOUN
fsr-4128	723	7	,	,	PUNCT
fsr-4128	723	8	17(1	17(1	NUM
fsr-4128	723	9	)	)	PUNCT
fsr-4128	723	10	,	,	PUNCT
fsr-4128	723	11	34	34	NUM
fsr-4128	723	12	-	-	SYM
fsr-4128	723	13	50	50	NUM
fsr-4128	723	14	.	.	PUNCT
fsr-4128	724	1	rehl	rehl	NOUN
fsr-4128	724	2	,	,	PUNCT
fsr-4128	724	3	k.	k.	PROPN
fsr-4128	724	4	m.	m.	PROPN
fsr-4128	724	5	,	,	PUNCT
fsr-4128	724	6	moor	moor	PROPN
fsr-4128	724	7	,	,	PUNCT
fsr-4128	724	8	c.	c.	PROPN
fsr-4128	724	9	c.	c.	PROPN
fsr-4128	724	10	,	,	PUNCT
fsr-4128	724	11	leitz	leitz	PROPN
fsr-4128	724	12	,	,	PUNCT
fsr-4128	724	13	l.	l.	PROPN
fsr-4128	724	14	y.	y.	PROPN
fsr-4128	724	15	,	,	PUNCT
fsr-4128	724	16	&	&	CCONJ
fsr-4128	724	17	grable	grable	PROPN
fsr-4128	724	18	,	,	PUNCT
fsr-4128	724	19	j.	j.	PROPN
fsr-4128	724	20	e.	e.	PROPN
fsr-4128	724	21	(	(	PUNCT
fsr-4128	724	22	2016	2016	NUM
fsr-4128	724	23	)	)	PUNCT
fsr-4128	724	24	.	.	PUNCT
fsr-4128	725	1	widows	widow	NOUN
fsr-4128	725	2	'	'	PART
fsr-4128	725	3	voices	voice	NOUN
fsr-4128	725	4	:	:	PUNCT
fsr-4128	725	5	the	the	DET
fsr-4128	725	6	value	value	NOUN
fsr-4128	725	7	of	of	ADP
fsr-4128	725	8	financial	financial	ADJ
fsr-4128	725	9	planning	planning	NOUN
fsr-4128	725	10	.	.	PUNCT
fsr-4128	726	1	journal	journal	NOUN
fsr-4128	726	2	of	of	ADP
fsr-4128	726	3	financial	financial	ADJ
fsr-4128	726	4	service	service	NOUN
fsr-4128	726	5	professionals	professional	NOUN
fsr-4128	726	6	,	,	PUNCT
fsr-4128	726	7	70(1	70(1	NOUN
fsr-4128	726	8	)	)	PUNCT
fsr-4128	726	9	,	,	PUNCT
fsr-4128	726	10	53	53	NUM
fsr-4128	726	11	-	-	SYM
fsr-4128	726	12	60	60	NUM
fsr-4128	726	13	.	.	PUNCT
fsr-4128	727	1	salignac	salignac	PROPN
fsr-4128	727	2	,	,	PUNCT
fsr-4128	727	3	f.	f.	PROPN
fsr-4128	727	4	,	,	PUNCT
fsr-4128	727	5	hamilton	hamilton	PROPN
fsr-4128	727	6	,	,	PUNCT
fsr-4128	727	7	m.	m.	NOUN
fsr-4128	727	8	,	,	PUNCT
fsr-4128	727	9	noone	noone	PROPN
fsr-4128	727	10	,	,	PUNCT
fsr-4128	727	11	j.	j.	PROPN
fsr-4128	727	12	,	,	PUNCT
fsr-4128	727	13	marjolin	marjolin	PROPN
fsr-4128	727	14	,	,	PUNCT
fsr-4128	727	15	a.	a.	PROPN
fsr-4128	727	16	,	,	PUNCT
fsr-4128	727	17	&	&	CCONJ
fsr-4128	727	18	muir	muir	PROPN
fsr-4128	727	19	,	,	PUNCT
fsr-4128	727	20	k.	k.	PROPN
fsr-4128	727	21	2020	2020	NUM
fsr-4128	727	22	.	.	PUNCT
fsr-4128	728	1	conceptualizing	conceptualize	VERB
fsr-4128	728	2	financial	financial	ADJ
fsr-4128	728	3	wellbeing	wellbeing	NOUN
fsr-4128	728	4	:	:	PUNCT
fsr-4128	728	5	an	an	DET
fsr-4128	728	6	ecological	ecological	ADJ
fsr-4128	728	7	lifecourse	lifecourse	NOUN
fsr-4128	728	8	approach	approach	NOUN
fsr-4128	728	9	.	.	PUNCT
fsr-4128	729	1	journal	journal	NOUN
fsr-4128	729	2	of	of	ADP
fsr-4128	729	3	happiness	happiness	NOUN
fsr-4128	729	4	studies	study	NOUN
fsr-4128	729	5	,	,	PUNCT
fsr-4128	729	6	21	21	NUM
fsr-4128	729	7	,	,	PUNCT
fsr-4128	729	8	1581–1602	1581–1602	NUM
fsr-4128	729	9	.	.	PUNCT
fsr-4128	730	1	srinivas	srinivas	PROPN
fsr-4128	730	2	,	,	PUNCT
fsr-4128	730	3	v.	v.	PROPN
fsr-4128	730	4	k.	k.	PROPN
fsr-4128	730	5	(	(	PUNCT
fsr-4128	730	6	2000	2000	NUM
fsr-4128	730	7	)	)	PUNCT
fsr-4128	730	8	.	.	PUNCT
fsr-4128	731	1	individual	individual	ADJ
fsr-4128	731	2	investors	investor	NOUN
fsr-4128	731	3	and	and	CCONJ
fsr-4128	731	4	financial	financial	ADJ
fsr-4128	731	5	advice	advice	NOUN
fsr-4128	731	6	:	:	PUNCT
fsr-4128	731	7	a	a	DET
fsr-4128	731	8	model	model	NOUN
fsr-4128	731	9	of	of	ADP
fsr-4128	731	10	adviceseeking	adviceseeke	VERB
fsr-4128	731	11	behavior	behavior	NOUN
fsr-4128	731	12	in	in	ADP
fsr-4128	731	13	the	the	DET
fsr-4128	731	14	financial	financial	ADJ
fsr-4128	731	15	planning	planning	NOUN
fsr-4128	731	16	context	context	NOUN
fsr-4128	731	17	(	(	PUNCT
fsr-4128	731	18	publication	publication	NOUN
fsr-4128	731	19	no	no	INTJ
fsr-4128	731	20	.	.	PROPN
fsr-4128	731	21	9967099	9967099	NUM
fsr-4128	731	22	)	)	PUNCT
fsr-4128	732	1	[	[	X
fsr-4128	732	2	doctoral	doctoral	ADJ
fsr-4128	732	3	dissertation	dissertation	NOUN
fsr-4128	732	4	,	,	PUNCT
fsr-4128	732	5	rutgers	rutgers	PROPN
fsr-4128	732	6	university	university	PROPN
fsr-4128	732	7	–	–	PUNCT
fsr-4128	732	8	newark	newark	NOUN
fsr-4128	732	9	]	]	PUNCT
fsr-4128	732	10	.	.	PUNCT
fsr-4128	733	1	https://doi.org/10.1787/67ede41b-en	https://doi.org/10.1787/67ede41b-en	ADJ
fsr-4128	733	2	https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/assessing-the-value-of-advice.pdf	https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/assessing-the-value-of-advice.pdf	PROPN
fsr-4128	733	3	https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/assessing-the-value-of-advice.pdf	https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/assessing-the-value-of-advice.pdf	PROPN
fsr-4128	733	4	https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/assessing-the-value-of-advice.pdf	https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/assessing-the-value-of-advice.pdf	PROPN
fsr-4128	733	5	https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/assessing-the-value-of-advice.pdf	https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/assessing-the-value-of-advice.pdf	PROPN
fsr-4128	734	1	https://vtechworks.lib.vt.edu/handle/10919/39899	https://vtechworks.lib.vt.edu/handle/10919/39899	PROPN
fsr-4128	734	2	https://vtechworks.lib.vt.edu/handle/10919/39899	https://vtechworks.lib.vt.edu/handle/10919/39899	VERB
fsr-4128	734	3	macdonald	macdonald	PROPN
fsr-4128	734	4	et	et	PROPN
fsr-4128	734	5	al	al	PROPN
fsr-4128	734	6	.	.	PROPN
fsr-4128	734	7	163	163	NUM
fsr-4128	734	8	proquest	proquest	PROPN
fsr-4128	734	9	.	.	PUNCT
fsr-4128	735	1	https://www.proquest.com/docview/30	https://www.proquest.com/docview/30	PROPN
fsr-4128	735	2	4658049	4658049	NUM
fsr-4128	735	3	tang	tang	NOUN
fsr-4128	735	4	,	,	PUNCT
fsr-4128	735	5	n.	n.	NOUN
fsr-4128	735	6	,	,	PUNCT
fsr-4128	735	7	&	&	CCONJ
fsr-4128	735	8	lachance	lachance	PROPN
fsr-4128	735	9	,	,	PUNCT
fsr-4128	735	10	m.-e	m.-e	ADJ
fsr-4128	735	11	.	.	PUNCT
fsr-4128	736	1	(	(	PUNCT
fsr-4128	736	2	2012	2012	NUM
fsr-4128	736	3	)	)	PUNCT
fsr-4128	736	4	.	.	PUNCT
fsr-4128	737	1	financial	financial	ADJ
fsr-4128	737	2	advice	advice	NOUN
fsr-4128	737	3	:	:	PUNCT
fsr-4128	737	4	what	what	PRON
fsr-4128	737	5	about	about	ADP
fsr-4128	737	6	low	low	ADJ
fsr-4128	737	7	-	-	PUNCT
fsr-4128	737	8	income	income	NOUN
fsr-4128	737	9	consumers	consumer	NOUN
fsr-4128	737	10	?	?	PUNCT
fsr-4128	738	1	journal	journal	NOUN
fsr-4128	738	2	of	of	ADP
fsr-4128	738	3	personal	personal	ADJ
fsr-4128	738	4	finance	finance	NOUN
fsr-4128	738	5	,	,	PUNCT
fsr-4128	738	6	11(2	11(2	NUM
fsr-4128	738	7	)	)	PUNCT
fsr-4128	738	8	,	,	PUNCT
fsr-4128	738	9	121	121	NUM
fsr-4128	738	10	-	-	SYM
fsr-4128	738	11	158	158	NUM
fsr-4128	738	12	.	.	PUNCT
fsr-4128	739	1	tharp	tharp	PROPN
fsr-4128	739	2	,	,	PUNCT
fsr-4128	739	3	d.	d.	PROPN
fsr-4128	739	4	(	(	PUNCT
fsr-4128	739	5	2021	2021	NUM
fsr-4128	739	6	)	)	PUNCT
fsr-4128	739	7	.	.	PUNCT
fsr-4128	740	1	financial	financial	ADJ
fsr-4128	740	2	advisor	advisor	NOUN
fsr-4128	740	3	fee	fee	NOUN
fsr-4128	740	4	trends	trend	NOUN
fsr-4128	740	5	and	and	CCONJ
fsr-4128	740	6	the	the	DET
fsr-4128	740	7	fee	fee	NOUN
fsr-4128	740	8	compression	compression	NOUN
fsr-4128	740	9	mirage	mirage	NOUN
fsr-4128	740	10	.	.	PUNCT
fsr-4128	741	1	kitces	kitce	NOUN
fsr-4128	741	2	.	.	PUNCT
fsr-4128	742	1	https://www.kitces.com/blog/financialadvisor-average-fee-2020-aum-hourlycomprehensive-financial-plan-cost/	https://www.kitces.com/blog/financialadvisor-average-fee-2020-aum-hourlycomprehensive-financial-plan-cost/	PROPN
fsr-4128	742	2	theodos	theodos	PROPN
fsr-4128	742	3	,	,	PUNCT
fsr-4128	742	4	b.	b.	PROPN
fsr-4128	742	5	,	,	PUNCT
fsr-4128	742	6	simms	simms	PROPN
fsr-4128	742	7	,	,	PUNCT
fsr-4128	742	8	m.	m.	NOUN
fsr-4128	742	9	,	,	PUNCT
fsr-4128	742	10	treskon	treskon	PROPN
fsr-4128	742	11	,	,	PUNCT
fsr-4128	742	12	m.	m.	NOUN
fsr-4128	742	13	,	,	PUNCT
fsr-4128	742	14	stacy	stacy	PROPN
fsr-4128	742	15	,	,	PUNCT
fsr-4128	742	16	c.	c.	PROPN
fsr-4128	742	17	,	,	PUNCT
fsr-4128	742	18	brash	brash	ADJ
fsr-4128	742	19	,	,	PUNCT
fsr-4128	742	20	r.	r.	PROPN
fsr-4128	742	21	,	,	PUNCT
fsr-4128	742	22	emam	emam	PROPN
fsr-4128	742	23	,	,	PUNCT
fsr-4128	742	24	d.	d.	PROPN
fsr-4128	742	25	,	,	PUNCT
fsr-4128	742	26	daniels	daniels	PROPN
fsr-4128	742	27	,	,	PUNCT
fsr-4128	742	28	r.	r.	PROPN
fsr-4128	742	29	,	,	PUNCT
fsr-4128	742	30	&	&	CCONJ
fsr-4128	742	31	collazos	collazos	PROPN
fsr-4128	742	32	,	,	PUNCT
fsr-4128	742	33	j.	j.	PROPN
fsr-4128	742	34	(	(	PUNCT
fsr-4128	742	35	2015	2015	NUM
fsr-4128	742	36	)	)	PUNCT
fsr-4128	742	37	.	.	PUNCT
fsr-4128	743	1	an	an	DET
fsr-4128	743	2	evaluation	evaluation	NOUN
fsr-4128	743	3	of	of	ADP
fsr-4128	743	4	the	the	DET
fsr-4128	743	5	impacts	impact	NOUN
fsr-4128	743	6	and	and	CCONJ
fsr-4128	743	7	implementation	implementation	NOUN
fsr-4128	743	8	approaches	approach	NOUN
fsr-4128	743	9	of	of	ADP
fsr-4128	743	10	financial	financial	ADJ
fsr-4128	743	11	coaching	coaching	NOUN
fsr-4128	743	12	programs	program	NOUN
fsr-4128	743	13	.	.	PUNCT
fsr-4128	744	1	urban	urban	PROPN
fsr-4128	744	2	institute	institute	PROPN
fsr-4128	744	3	.	.	PUNCT
fsr-4128	745	1	https://www.urban.org/research/public	https://www.urban.org/research/public	ADJ
fsr-4128	745	2	ation	ation	PROPN
fsr-4128	745	3	/	/	SYM
fsr-4128	745	4	evaluation	evaluation	NOUN
fsr-4128	745	5	-	-	PUNCT
fsr-4128	745	6	impacts	impact	NOUN
fsr-4128	745	7	-	-	PUNCT
fsr-4128	745	8	andimplementation	andimplementation	NOUN
fsr-4128	745	9	-	-	PUNCT
fsr-4128	745	10	approaches	approach	NOUN
fsr-4128	745	11	-	-	PUNCT
fsr-4128	745	12	financialcoaching	financialcoaching	NOUN
fsr-4128	745	13	-	-	PUNCT
fsr-4128	745	14	programs	program	NOUN
fsr-4128	745	15	turley	turley	PROPN
fsr-4128	745	16	,	,	PUNCT
fsr-4128	745	17	c.	c.	PROPN
fsr-4128	745	18	,	,	PUNCT
fsr-4128	745	19	&	&	CCONJ
fsr-4128	745	20	white	white	PROPN
fsr-4128	745	21	,	,	PUNCT
fsr-4128	745	22	c.	c.	PROPN
fsr-4128	745	23	(	(	PUNCT
fsr-4128	745	24	2007	2007	NUM
fsr-4128	745	25	)	)	PUNCT
fsr-4128	745	26	.	.	PUNCT
fsr-4128	746	1	assessing	assess	VERB
fsr-4128	746	2	the	the	DET
fsr-4128	746	3	impact	impact	NOUN
fsr-4128	746	4	of	of	ADP
fsr-4128	746	5	advice	advice	NOUN
fsr-4128	746	6	for	for	ADP
fsr-4128	746	7	people	people	NOUN
fsr-4128	746	8	with	with	ADP
fsr-4128	746	9	debt	debt	NOUN
fsr-4128	746	10	problems	problem	NOUN
fsr-4128	746	11	.	.	PUNCT
fsr-4128	747	1	legal	legal	ADJ
fsr-4128	747	2	services	service	NOUN
fsr-4128	747	3	research	research	NOUN
fsr-4128	747	4	centre	centre	NOUN
fsr-4128	747	5	.	.	PUNCT
fsr-4128	748	1	http://www.infohub.moneyadvicetrust	http://www.infohub.moneyadvicetrust	ADJ
fsr-4128	748	2	.	.	PUNCT
fsr-4128	748	3	org	org	ADJ
fsr-4128	748	4	/	/	SYM
fsr-4128	748	5	content_files	content_file	NOUN
fsr-4128	748	6	/	/	SYM
fsr-4128	748	7	files	file	NOUN
fsr-4128	748	8	/	/	SYM
fsr-4128	748	9	assessing_the_i	assessing_the_i	NOUN
fsr-4128	748	10	mpact_of_advice.pdf	mpact_of_advice.pdf	NOUN
fsr-4128	748	11	westermann	westermann	PROPN
fsr-4128	748	12	,	,	PUNCT
fsr-4128	748	13	s.	s.	PROPN
fsr-4128	748	14	,	,	PUNCT
fsr-4128	748	15	niblock	niblock	NOUN
fsr-4128	748	16	,	,	PUNCT
fsr-4128	748	17	s.	s.	PROPN
fsr-4128	748	18	j.	j.	PROPN
fsr-4128	748	19	,	,	PUNCT
fsr-4128	748	20	harrison	harrison	PROPN
fsr-4128	748	21	,	,	PUNCT
fsr-4128	748	22	j.	j.	PROPN
fsr-4128	748	23	l.	l.	PROPN
fsr-4128	748	24	,	,	PUNCT
fsr-4128	748	25	&	&	CCONJ
fsr-4128	748	26	kortt	kortt	PROPN
fsr-4128	748	27	,	,	PUNCT
fsr-4128	748	28	m.	m.	NOUN
fsr-4128	748	29	a.	a.	NOUN
fsr-4128	748	30	(	(	PUNCT
fsr-4128	748	31	2020	2020	NUM
fsr-4128	748	32	)	)	PUNCT
fsr-4128	748	33	.	.	PUNCT
fsr-4128	749	1	financial	financial	ADJ
fsr-4128	749	2	advice	advice	NOUN
fsr-4128	749	3	seeking	seeking	NOUN
fsr-4128	749	4	:	:	PUNCT
fsr-4128	749	5	a	a	DET
fsr-4128	749	6	review	review	NOUN
fsr-4128	749	7	of	of	ADP
fsr-4128	749	8	the	the	DET
fsr-4128	749	9	barriers	barrier	NOUN
fsr-4128	749	10	and	and	CCONJ
fsr-4128	749	11	benefits	benefit	NOUN
fsr-4128	749	12	.	.	PUNCT
fsr-4128	750	1	economic	economic	ADJ
fsr-4128	750	2	papers	paper	NOUN
fsr-4128	750	3	,	,	PUNCT
fsr-4128	750	4	39(4	39(4	NOUN
fsr-4128	750	5	)	)	PUNCT
fsr-4128	750	6	,	,	PUNCT
fsr-4128	750	7	367388	367388	NUM
fsr-4128	750	8	.	.	PUNCT
fsr-4128	751	1	https://doi.org/10.1111/17593441.12294	https://doi.org/10.1111/17593441.12294	PROPN
fsr-4128	751	2	winchester	winchester	PROPN
fsr-4128	751	3	,	,	PUNCT
fsr-4128	751	4	d.	d.	PROPN
fsr-4128	751	5	d.	d.	PROPN
fsr-4128	751	6	,	,	PUNCT
fsr-4128	751	7	huston	huston	PROPN
fsr-4128	751	8	,	,	PUNCT
fsr-4128	751	9	s.	s.	PROPN
fsr-4128	751	10	j.	j.	PROPN
fsr-4128	751	11	,	,	PUNCT
fsr-4128	751	12	&	&	CCONJ
fsr-4128	751	13	finke	finke	PROPN
fsr-4128	751	14	,	,	PUNCT
fsr-4128	751	15	m.	m.	NOUN
fsr-4128	751	16	s.	s.	PROPN
fsr-4128	751	17	(	(	PUNCT
fsr-4128	751	18	2011	2011	NUM
fsr-4128	751	19	)	)	PUNCT
fsr-4128	751	20	.	.	PUNCT
fsr-4128	752	1	investor	investor	NOUN
fsr-4128	752	2	prudence	prudence	NOUN
fsr-4128	752	3	and	and	CCONJ
fsr-4128	752	4	the	the	DET
fsr-4128	752	5	role	role	NOUN
fsr-4128	752	6	of	of	ADP
fsr-4128	752	7	financial	financial	ADJ
fsr-4128	752	8	advice	advice	NOUN
fsr-4128	752	9	.	.	PUNCT
fsr-4128	753	1	journal	journal	NOUN
fsr-4128	753	2	of	of	ADP
fsr-4128	753	3	financial	financial	ADJ
fsr-4128	753	4	service	service	NOUN
fsr-4128	753	5	professionals	professional	NOUN
fsr-4128	753	6	,	,	PUNCT
fsr-4128	753	7	65(4	65(4	PROPN
fsr-4128	753	8	)	)	PUNCT
fsr-4128	753	9	,	,	PUNCT
fsr-4128	753	10	43	43	NUM
fsr-4128	753	11	-	-	SYM
fsr-4128	753	12	51	51	NUM
fsr-4128	753	13	.	.	PUNCT
fsr-4128	754	1	woodhead	woodhead	PROPN
fsr-4128	754	2	,	,	PUNCT
fsr-4128	754	3	c.	c.	NOUN
fsr-4128	754	4	,	,	PUNCT
fsr-4128	754	5	khondoker	khondoker	NOUN
fsr-4128	754	6	,	,	PUNCT
fsr-4128	754	7	m.	m.	NOUN
fsr-4128	754	8	,	,	PUNCT
fsr-4128	754	9	lomas	lomas	PROPN
fsr-4128	754	10	,	,	PUNCT
fsr-4128	754	11	r.	r.	PROPN
fsr-4128	754	12	,	,	PUNCT
fsr-4128	754	13	&	&	CCONJ
fsr-4128	754	14	raine	raine	PROPN
fsr-4128	754	15	,	,	PUNCT
fsr-4128	754	16	r.	r.	PROPN
fsr-4128	754	17	(	(	PUNCT
fsr-4128	754	18	2017	2017	NUM
fsr-4128	754	19	)	)	PUNCT
fsr-4128	754	20	.	.	PUNCT
fsr-4128	755	1	impact	impact	NOUN
fsr-4128	755	2	of	of	ADP
fsr-4128	755	3	co	co	ADJ
fsr-4128	755	4	-	-	ADJ
fsr-4128	755	5	located	locate	VERB
fsr-4128	755	6	welfare	welfare	NOUN
fsr-4128	755	7	advice	advice	NOUN
fsr-4128	755	8	in	in	ADP
fsr-4128	755	9	healthcare	healthcare	NOUN
fsr-4128	755	10	settings	setting	NOUN
fsr-4128	755	11	:	:	PUNCT
fsr-4128	755	12	prospective	prospective	ADJ
fsr-4128	755	13	quasi	quasi	ADJ
fsr-4128	755	14	-	-	ADJ
fsr-4128	755	15	experimental	experimental	ADJ
fsr-4128	755	16	controlled	control	VERB
fsr-4128	755	17	study	study	NOUN
fsr-4128	755	18	.	.	PUNCT
fsr-4128	756	1	the	the	DET
fsr-4128	756	2	british	british	PROPN
fsr-4128	756	3	journal	journal	PROPN
fsr-4128	756	4	of	of	ADP
fsr-4128	756	5	psychiatry	psychiatry	NOUN
fsr-4128	756	6	,	,	PUNCT
fsr-4128	756	7	211(6	211(6	NUM
fsr-4128	756	8	)	)	PUNCT
fsr-4128	756	9	,	,	PUNCT
fsr-4128	756	10	388	388	NUM
fsr-4128	756	11	-	-	SYM
fsr-4128	756	12	395	395	NUM
fsr-4128	756	13	.	.	PUNCT
fsr-4128	757	1	https://doi.org/10.1192/bjp.bp.117.202	https://doi.org/10.1192/bjp.bp.117.202	NOUN
fsr-4128	757	2	713	713	NUM
fsr-4128	757	3	world	world	NOUN
fsr-4128	757	4	health	health	NOUN
fsr-4128	757	5	organization	organization	NOUN
fsr-4128	757	6	.	.	PUNCT
fsr-4128	758	1	(	(	PUNCT
fsr-4128	758	2	2023	2023	NUM
fsr-4128	758	3	)	)	PUNCT
fsr-4128	758	4	.	.	PUNCT
fsr-4128	759	1	the	the	DET
fsr-4128	759	2	global	global	ADJ
fsr-4128	759	3	health	health	PROPN
fsr-4128	759	4	observatory	observatory	NOUN
fsr-4128	759	5	:	:	PUNCT
fsr-4128	759	6	health	health	NOUN
fsr-4128	759	7	and	and	CCONJ
fsr-4128	759	8	wellbeing	wellbeing	NOUN
fsr-4128	759	9	.	.	PUNCT
fsr-4128	760	1	who	who	PRON
fsr-4128	760	2	.	.	PUNCT
fsr-4128	761	1	https://www.who.int/data/gho/data/maj	https://www.who.int/data/gho/data/maj	PROPN
fsr-4128	761	2	or	or	CCONJ
fsr-4128	761	3	-	-	PUNCT
fsr-4128	761	4	themes	theme	NOUN
fsr-4128	761	5	/	/	SYM
fsr-4128	761	6	health	health	NOUN
fsr-4128	761	7	-	-	PUNCT
fsr-4128	761	8	and	and	CCONJ
fsr-4128	761	9	-	-	PUNCT
fsr-4128	761	10	well	well	ADV
fsr-4128	761	11	-	-	PUNCT
fsr-4128	761	12	being	be	AUX
fsr-4128	761	13	zeamer	zeamer	NOUN
fsr-4128	761	14	,	,	PUNCT
fsr-4128	761	15	c.	c.	PROPN
fsr-4128	761	16	a.	a.	PROPN
fsr-4128	761	17	(	(	PUNCT
fsr-4128	761	18	2020	2020	NUM
fsr-4128	761	19	)	)	PUNCT
fsr-4128	761	20	.	.	PUNCT
fsr-4128	762	1	using	use	VERB
fsr-4128	762	2	discourse	discourse	NOUN
fsr-4128	762	3	analysis	analysis	NOUN
fsr-4128	762	4	to	to	PART
fsr-4128	762	5	evaluate	evaluate	VERB
fsr-4128	762	6	the	the	DET
fsr-4128	762	7	effectiveness	effectiveness	NOUN
fsr-4128	762	8	of	of	ADP
fsr-4128	762	9	financial	financial	ADJ
fsr-4128	762	10	counseling	counseling	NOUN
fsr-4128	762	11	.	.	PUNCT
fsr-4128	763	1	journal	journal	NOUN
fsr-4128	763	2	of	of	ADP
fsr-4128	763	3	financial	financial	ADJ
fsr-4128	763	4	counseling	counseling	NOUN
fsr-4128	763	5	and	and	CCONJ
fsr-4128	763	6	planning	planning	NOUN
fsr-4128	763	7	,	,	PUNCT
fsr-4128	763	8	32(1	32(1	NUM
fsr-4128	763	9	)	)	PUNCT
fsr-4128	763	10	,	,	PUNCT
fsr-4128	763	11	330	330	NUM
fsr-4128	763	12	-	-	SYM
fsr-4128	763	13	341	341	NUM
fsr-4128	763	14	.	.	PUNCT
fsr-4128	764	1	https://doi.org/10.1891/jfcp-1800081	https://doi.org/10.1891/jfcp-1800081	ADJ
fsr-4128	764	2	zemtsov	zemtsov	NOUN
fsr-4128	764	3	,	,	PUNCT
fsr-4128	764	4	a.	a.	NOUN
fsr-4128	764	5	a.	a.	PROPN
fsr-4128	764	6	,	,	PUNCT
fsr-4128	764	7	&	&	CCONJ
fsr-4128	764	8	osipova	osipova	PROPN
fsr-4128	764	9	,	,	PUNCT
fsr-4128	764	10	t.	t.	PROPN
fsr-4128	764	11	y.	y.	PROPN
fsr-4128	764	12	(	(	PUNCT
fsr-4128	764	13	2016	2016	NUM
fsr-4128	764	14	)	)	PUNCT
fsr-4128	764	15	.	.	PUNCT
fsr-4128	765	1	financial	financial	ADJ
fsr-4128	765	2	wellbeing	wellbee	VERB
fsr-4128	765	3	as	as	ADP
fsr-4128	765	4	a	a	DET
fsr-4128	765	5	type	type	NOUN
fsr-4128	765	6	of	of	ADP
fsr-4128	765	7	human	human	ADJ
fsr-4128	765	8	wellbeing	wellbeing	NOUN
fsr-4128	765	9	:	:	PUNCT
fsr-4128	765	10	theoretical	theoretical	ADJ
fsr-4128	765	11	review	review	NOUN
fsr-4128	765	12	.	.	PUNCT
fsr-4128	766	1	the	the	DET
fsr-4128	766	2	european	european	ADJ
fsr-4128	766	3	proceedings	proceeding	NOUN
fsr-4128	766	4	of	of	ADP
fsr-4128	766	5	social	social	ADJ
fsr-4128	766	6	&	&	CCONJ
fsr-4128	766	7	behavioural	behavioural	ADJ
fsr-4128	766	8	sciences	science	NOUN
fsr-4128	766	9	,	,	PUNCT
fsr-4128	766	10	7	7	NUM
fsr-4128	766	11	,	,	PUNCT
fsr-4128	766	12	385	385	NUM
fsr-4128	766	13	-	-	SYM
fsr-4128	766	14	392	392	NUM
fsr-4128	766	15	.	.	PUNCT
fsr-4128	767	1	https://www.proquest.com/docview/304658049	https://www.proquest.com/docview/304658049	VERB
fsr-4128	767	2	https://www.proquest.com/docview/304658049	https://www.proquest.com/docview/304658049	ADJ
fsr-4128	767	3	https://www.kitces.com/blog/financial-advisor-average-fee-2020-aum-hourly-comprehensive-financial-plan-cost/	https://www.kitces.com/blog/financial-advisor-average-fee-2020-aum-hourly-comprehensive-financial-plan-cost/	NOUN
fsr-4128	767	4	https://www.kitces.com/blog/financial-advisor-average-fee-2020-aum-hourly-comprehensive-financial-plan-cost/	https://www.kitces.com/blog/financial-advisor-average-fee-2020-aum-hourly-comprehensive-financial-plan-cost/	NOUN
fsr-4128	767	5	https://www.kitces.com/blog/financial-advisor-average-fee-2020-aum-hourly-comprehensive-financial-plan-cost/	https://www.kitces.com/blog/financial-advisor-average-fee-2020-aum-hourly-comprehensive-financial-plan-cost/	NOUN
fsr-4128	767	6	https://www.urban.org/research/publication/evaluation-impacts-and-implementation-approaches-financial-coaching-programs	https://www.urban.org/research/publication/evaluation-impacts-and-implementation-approaches-financial-coaching-program	NOUN
fsr-4128	767	7	https://www.urban.org/research/publication/evaluation-impacts-and-implementation-approaches-financial-coaching-programs	https://www.urban.org/research/publication/evaluation-impacts-and-implementation-approaches-financial-coaching-program	NOUN
fsr-4128	767	8	https://www.urban.org/research/publication/evaluation-impacts-and-implementation-approaches-financial-coaching-programs	https://www.urban.org/research/publication/evaluation-impacts-and-implementation-approaches-financial-coaching-program	NOUN
fsr-4128	767	9	https://www.urban.org/research/publication/evaluation-impacts-and-implementation-approaches-financial-coaching-programs	https://www.urban.org/research/publication/evaluation-impacts-and-implementation-approaches-financial-coaching-program	NOUN