id	sid	tid	token	lemma	pos
fsr-4524	1	1	financial	financial	PROPN
fsr-4524	1	2	services	service	NOUN
fsr-4524	1	3	review	review	NOUN
fsr-4524	1	4	,	,	PUNCT
fsr-4524	1	5	33(4	33(4	NUM
fsr-4524	1	6	)	)	PUNCT
fsr-4524	1	7	iv	iv	NUM
fsr-4524	1	8	editorial	editorial	NOUN
fsr-4524	1	9	teaching	teaching	NOUN
fsr-4524	1	10	tomorrow	tomorrow	NOUN
fsr-4524	1	11	’s	’s	PART
fsr-4524	1	12	financial	financial	ADJ
fsr-4524	1	13	planners	planner	NOUN
fsr-4524	1	14	:	:	PUNCT
fsr-4524	1	15	insights	insight	NOUN
fsr-4524	1	16	from	from	ADP
fsr-4524	1	17	research	research	NOUN
fsr-4524	1	18	into	into	ADP
fsr-4524	1	19	online	online	ADJ
fsr-4524	1	20	marketplaces	marketplace	NOUN
fsr-4524	1	21	and	and	CCONJ
fsr-4524	1	22	fraud	fraud	NOUN
fsr-4524	1	23	;	;	PUNCT
fsr-4524	1	24	behavior	behavior	NOUN
fsr-4524	1	25	of	of	ADP
fsr-4524	1	26	young	young	ADJ
fsr-4524	1	27	adults	adult	NOUN
fsr-4524	1	28	in	in	ADP
fsr-4524	1	29	a	a	DET
fsr-4524	1	30	post	post	ADJ
fsr-4524	1	31	-	-	ADJ
fsr-4524	1	32	communist	communist	ADJ
fsr-4524	1	33	era	era	NOUN
fsr-4524	1	34	;	;	PUNCT
fsr-4524	1	35	and	and	CCONJ
fsr-4524	1	36	the	the	DET
fsr-4524	1	37	value	value	NOUN
fsr-4524	1	38	of	of	ADP
fsr-4524	1	39	financial	financial	ADJ
fsr-4524	1	40	advice	advice	NOUN
fsr-4524	1	41	.	.	PUNCT
fsr-4524	2	1	elisabeth	elisabeth	PROPN
fsr-4524	2	2	sinnewe	sinnewe	PROPN
fsr-4524	2	3	queensland	queensland	PROPN
fsr-4524	2	4	university	university	PROPN
fsr-4524	2	5	of	of	ADP
fsr-4524	2	6	technology	technology	PROPN
fsr-4524	2	7	,	,	PUNCT
fsr-4524	2	8	australia	australia	PROPN
fsr-4524	2	9	contributed	contribute	VERB
fsr-4524	2	10	articles	article	NOUN
fsr-4524	2	11	beyond	beyond	ADP
fsr-4524	2	12	the	the	DET
fsr-4524	2	13	special	special	ADJ
fsr-4524	2	14	issue	issue	NOUN
fsr-4524	2	15	theme	theme	NOUN
fsr-4524	2	16	i	i	PRON
fsr-4524	2	17	would	would	AUX
fsr-4524	2	18	like	like	VERB
fsr-4524	2	19	to	to	PART
fsr-4524	2	20	start	start	VERB
fsr-4524	2	21	by	by	ADP
fsr-4524	2	22	thanking	thank	VERB
fsr-4524	2	23	inga	inga	PROPN
fsr-4524	2	24	timmerman	timmerman	NOUN
fsr-4524	2	25	for	for	ADP
fsr-4524	2	26	spearheading	spearhead	VERB
fsr-4524	2	27	the	the	DET
fsr-4524	2	28	special	special	ADJ
fsr-4524	2	29	issue	issue	NOUN
fsr-4524	2	30	on	on	ADP
fsr-4524	2	31	financial	financial	ADJ
fsr-4524	2	32	planning	planning	NOUN
fsr-4524	2	33	pedagogy	pedagogy	NOUN
fsr-4524	2	34	,	,	PUNCT
fsr-4524	2	35	as	as	ADV
fsr-4524	2	36	well	well	ADV
fsr-4524	2	37	as	as	ADP
fsr-4524	2	38	john	john	PROPN
fsr-4524	2	39	grable	grable	PROPN
fsr-4524	2	40	and	and	CCONJ
fsr-4524	2	41	barry	barry	PROPN
fsr-4524	2	42	mulholland	mulholland	PROPN
fsr-4524	2	43	for	for	ADP
fsr-4524	2	44	laying	lay	VERB
fsr-4524	2	45	the	the	DET
fsr-4524	2	46	foundations	foundation	NOUN
fsr-4524	2	47	for	for	ADP
fsr-4524	2	48	this	this	DET
fsr-4524	2	49	excellent	excellent	ADJ
fsr-4524	2	50	special	special	ADJ
fsr-4524	2	51	issue	issue	NOUN
fsr-4524	2	52	.	.	PUNCT
fsr-4524	3	1	in	in	ADP
fsr-4524	3	2	addition	addition	NOUN
fsr-4524	3	3	to	to	ADP
fsr-4524	3	4	the	the	DET
fsr-4524	3	5	papers	paper	NOUN
fsr-4524	3	6	featured	feature	VERB
fsr-4524	3	7	in	in	ADP
fsr-4524	3	8	the	the	DET
fsr-4524	3	9	special	special	ADJ
fsr-4524	3	10	issue	issue	NOUN
fsr-4524	3	11	on	on	ADP
fsr-4524	3	12	financial	financial	ADJ
fsr-4524	3	13	planning	planning	NOUN
fsr-4524	3	14	pedagogy	pedagogy	NOUN
fsr-4524	3	15	,	,	PUNCT
fsr-4524	3	16	this	this	DET
fsr-4524	3	17	volume	volume	NOUN
fsr-4524	3	18	includes	include	VERB
fsr-4524	3	19	three	three	NUM
fsr-4524	3	20	original	original	ADJ
fsr-4524	3	21	research	research	NOUN
fsr-4524	3	22	articles	article	NOUN
fsr-4524	3	23	that	that	PRON
fsr-4524	3	24	offer	offer	VERB
fsr-4524	3	25	timely	timely	ADJ
fsr-4524	3	26	insights	insight	NOUN
fsr-4524	3	27	into	into	ADP
fsr-4524	3	28	the	the	DET
fsr-4524	3	29	changing	change	VERB
fsr-4524	3	30	environment	environment	NOUN
fsr-4524	3	31	,	,	PUNCT
fsr-4524	3	32	in	in	ADP
fsr-4524	3	33	which	which	PRON
fsr-4524	3	34	financial	financial	ADJ
fsr-4524	3	35	planners	planner	NOUN
fsr-4524	3	36	operate	operate	VERB
fsr-4524	3	37	.	.	PUNCT
fsr-4524	4	1	although	although	SCONJ
fsr-4524	4	2	distinct	distinct	ADJ
fsr-4524	4	3	in	in	ADP
fsr-4524	4	4	focus	focus	NOUN
fsr-4524	4	5	,	,	PUNCT
fsr-4524	4	6	each	each	DET
fsr-4524	4	7	study	study	NOUN
fsr-4524	4	8	highlights	highlight	NOUN
fsr-4524	4	9	psychological	psychological	ADJ
fsr-4524	4	10	,	,	PUNCT
fsr-4524	4	11	technological	technological	ADJ
fsr-4524	4	12	,	,	PUNCT
fsr-4524	4	13	or	or	CCONJ
fsr-4524	4	14	sociobehavioral	sociobehavioral	ADJ
fsr-4524	4	15	forces	force	NOUN
fsr-4524	4	16	that	that	PRON
fsr-4524	4	17	increasingly	increasingly	ADV
fsr-4524	4	18	shape	shape	VERB
fsr-4524	4	19	financial	financial	ADJ
fsr-4524	4	20	decision	decision	NOUN
fsr-4524	4	21	-	-	PUNCT
fsr-4524	4	22	making	making	NOUN
fsr-4524	4	23	.	.	PUNCT
fsr-4524	5	1	collectively	collectively	ADV
fsr-4524	5	2	,	,	PUNCT
fsr-4524	5	3	they	they	PRON
fsr-4524	5	4	signal	signal	VERB
fsr-4524	5	5	new	new	ADJ
fsr-4524	5	6	directions	direction	NOUN
fsr-4524	5	7	for	for	ADP
fsr-4524	5	8	both	both	CCONJ
fsr-4524	5	9	professional	professional	ADJ
fsr-4524	5	10	practice	practice	NOUN
fsr-4524	5	11	and	and	CCONJ
fsr-4524	5	12	the	the	DET
fsr-4524	5	13	future	future	ADJ
fsr-4524	5	14	design	design	NOUN
fsr-4524	5	15	of	of	ADP
fsr-4524	5	16	financial	financial	ADJ
fsr-4524	5	17	planning	planning	NOUN
fsr-4524	5	18	education	education	NOUN
fsr-4524	5	19	.	.	PUNCT
fsr-4524	6	1	in	in	ADP
fsr-4524	6	2	the	the	DET
fsr-4524	6	3	first	first	ADJ
fsr-4524	6	4	article	article	NOUN
fsr-4524	6	5	,	,	PUNCT
fsr-4524	6	6	antonoudi	antonoudi	PROPN
fsr-4524	6	7	et	et	PROPN
fsr-4524	6	8	al	al	PROPN
fsr-4524	6	9	.	.	PROPN
fsr-4524	6	10	(	(	PUNCT
fsr-4524	6	11	2025	2025	NUM
fsr-4524	6	12	)	)	PUNCT
fsr-4524	6	13	examine	examine	VERB
fsr-4524	6	14	the	the	DET
fsr-4524	6	15	emergence	emergence	NOUN
fsr-4524	6	16	of	of	ADP
fsr-4524	6	17	online	online	ADJ
fsr-4524	6	18	marketplaces	marketplace	NOUN
fsr-4524	6	19	and	and	CCONJ
fsr-4524	6	20	their	their	PRON
fsr-4524	6	21	influence	influence	NOUN
fsr-4524	6	22	on	on	ADP
fsr-4524	6	23	fraud	fraud	NOUN
fsr-4524	6	24	using	use	VERB
fsr-4524	6	25	data	datum	NOUN
fsr-4524	6	26	from	from	ADP
fsr-4524	6	27	craigslist	craigslist	NOUN
fsr-4524	6	28	’s	’s	PART
fsr-4524	6	29	rollout	rollout	NOUN
fsr-4524	6	30	between	between	ADP
fsr-4524	6	31	1995	1995	NUM
fsr-4524	6	32	and	and	CCONJ
fsr-4524	6	33	2006	2006	NUM
fsr-4524	6	34	.	.	PUNCT
fsr-4524	7	1	their	their	PRON
fsr-4524	7	2	difference	difference	NOUN
fsr-4524	7	3	-	-	PUNCT
fsr-4524	7	4	in	in	ADP
fsr-4524	7	5	-	-	PUNCT
fsr-4524	7	6	difference	difference	NOUN
fsr-4524	7	7	analysis	analysis	NOUN
fsr-4524	7	8	suggests	suggest	VERB
fsr-4524	7	9	that	that	SCONJ
fsr-4524	7	10	the	the	DET
fsr-4524	7	11	transition	transition	NOUN
fsr-4524	7	12	from	from	ADP
fsr-4524	7	13	manual	manual	ADJ
fsr-4524	7	14	bulletin	bulletin	NOUN
fsr-4524	7	15	boards	board	NOUN
fsr-4524	7	16	to	to	ADP
fsr-4524	7	17	digital	digital	ADJ
fsr-4524	7	18	platforms	platform	NOUN
fsr-4524	7	19	initially	initially	ADV
fsr-4524	7	20	enhanced	enhance	VERB
fsr-4524	7	21	transparency	transparency	NOUN
fsr-4524	7	22	and	and	CCONJ
fsr-4524	7	23	reduced	reduce	VERB
fsr-4524	7	24	opportunities	opportunity	NOUN
fsr-4524	7	25	for	for	ADP
fsr-4524	7	26	fraud	fraud	NOUN
fsr-4524	7	27	.	.	PUNCT
fsr-4524	8	1	while	while	SCONJ
fsr-4524	8	2	these	these	DET
fsr-4524	8	3	findings	finding	NOUN
fsr-4524	8	4	demonstrate	demonstrate	VERB
fsr-4524	8	5	the	the	DET
fsr-4524	8	6	potential	potential	NOUN
fsr-4524	8	7	of	of	ADP
fsr-4524	8	8	technology	technology	NOUN
fsr-4524	8	9	to	to	PART
fsr-4524	8	10	generate	generate	VERB
fsr-4524	8	11	digital	digital	ADJ
fsr-4524	8	12	trails	trail	NOUN
fsr-4524	8	13	enabling	enable	VERB
fsr-4524	8	14	greater	great	ADJ
fsr-4524	8	15	transparency	transparency	NOUN
fsr-4524	8	16	,	,	PUNCT
fsr-4524	8	17	the	the	DET
fsr-4524	8	18	authors	author	NOUN
fsr-4524	8	19	caution	caution	VERB
fsr-4524	8	20	that	that	SCONJ
fsr-4524	8	21	as	as	SCONJ
fsr-4524	8	22	digital	digital	ADJ
fsr-4524	8	23	platforms	platform	NOUN
fsr-4524	8	24	mature	mature	VERB
fsr-4524	8	25	,	,	PUNCT
fsr-4524	8	26	new	new	ADJ
fsr-4524	8	27	forms	form	NOUN
fsr-4524	8	28	of	of	ADP
fsr-4524	8	29	technology	technology	NOUN
fsr-4524	8	30	-	-	PUNCT
fsr-4524	8	31	enabled	enable	VERB
fsr-4524	8	32	fraud	fraud	NOUN
fsr-4524	8	33	inevitably	inevitably	ADV
fsr-4524	8	34	emerge	emerge	VERB
fsr-4524	8	35	.	.	PUNCT
fsr-4524	9	1	for	for	ADP
fsr-4524	9	2	instance	instance	NOUN
fsr-4524	9	3	,	,	PUNCT
fsr-4524	9	4	according	accord	VERB
fsr-4524	9	5	to	to	ADP
fsr-4524	9	6	the	the	DET
fsr-4524	9	7	us	us	PROPN
fsr-4524	9	8	financial	financial	PROPN
fsr-4524	9	9	trade	trade	PROPN
fsr-4524	9	10	commission	commission	PROPN
fsr-4524	9	11	,	,	PUNCT
fsr-4524	9	12	consumers	consumer	NOUN
fsr-4524	9	13	reported	report	VERB
fsr-4524	9	14	losing	lose	VERB
fsr-4524	9	15	usd	usd	NOUN
fsr-4524	9	16	12.5	12.5	NUM
fsr-4524	9	17	billion	billion	NUM
fsr-4524	9	18	to	to	PART
fsr-4524	9	19	fraud	fraud	VERB
fsr-4524	9	20	in	in	ADP
fsr-4524	9	21	2024	2024	NUM
fsr-4524	9	22	,	,	PUNCT
fsr-4524	9	23	with	with	ADP
fsr-4524	9	24	the	the	DET
fsr-4524	9	25	highest	high	ADJ
fsr-4524	9	26	overall	overall	ADJ
fsr-4524	9	27	losses	loss	NOUN
fsr-4524	9	28	reported	report	VERB
fsr-4524	9	29	from	from	ADP
fsr-4524	9	30	social	social	ADJ
fsr-4524	9	31	media	medium	NOUN
fsr-4524	9	32	scams	scam	NOUN
fsr-4524	9	33	.	.	PUNCT
fsr-4524	10	1	these	these	DET
fsr-4524	10	2	findings	finding	NOUN
fsr-4524	10	3	also	also	ADV
fsr-4524	10	4	highlight	highlight	VERB
fsr-4524	10	5	emerging	emerge	VERB
fsr-4524	10	6	opportunities	opportunity	NOUN
fsr-4524	10	7	for	for	SCONJ
fsr-4524	10	8	practitioners	practitioner	NOUN
fsr-4524	10	9	to	to	PART
fsr-4524	10	10	engage	engage	VERB
fsr-4524	10	11	with	with	ADP
fsr-4524	10	12	clients	client	NOUN
fsr-4524	10	13	on	on	ADP
fsr-4524	10	14	issues	issue	NOUN
fsr-4524	10	15	that	that	PRON
fsr-4524	10	16	extend	extend	VERB
fsr-4524	10	17	beyond	beyond	ADP
fsr-4524	10	18	traditional	traditional	ADJ
fsr-4524	10	19	financial	financial	ADJ
fsr-4524	10	20	planning	planning	NOUN
fsr-4524	10	21	.	.	PUNCT
fsr-4524	11	1	as	as	SCONJ
fsr-4524	11	2	digital	digital	ADJ
fsr-4524	11	3	fraud	fraud	NOUN
fsr-4524	11	4	becomes	become	VERB
fsr-4524	11	5	more	more	ADV
fsr-4524	11	6	prevalent	prevalent	ADJ
fsr-4524	11	7	,	,	PUNCT
fsr-4524	11	8	discussions	discussion	NOUN
fsr-4524	11	9	around	around	ADP
fsr-4524	11	10	online	online	ADJ
fsr-4524	11	11	risk	risk	NOUN
fsr-4524	11	12	,	,	PUNCT
fsr-4524	11	13	information	information	NOUN
fsr-4524	11	14	security	security	NOUN
fsr-4524	11	15	,	,	PUNCT
fsr-4524	11	16	and	and	CCONJ
fsr-4524	11	17	consumer	consumer	NOUN
fsr-4524	11	18	protection	protection	NOUN
fsr-4524	11	19	are	be	AUX
fsr-4524	11	20	likely	likely	ADJ
fsr-4524	11	21	to	to	PART
fsr-4524	11	22	become	become	VERB
fsr-4524	11	23	part	part	NOUN
fsr-4524	11	24	of	of	ADP
fsr-4524	11	25	the	the	DET
fsr-4524	11	26	broader	broad	ADJ
fsr-4524	11	27	client	client	NOUN
fsr-4524	11	28	–	–	PUNCT
fsr-4524	11	29	adviser	adviser	NOUN
fsr-4524	11	30	relationship	relationship	NOUN
fsr-4524	11	31	,	,	PUNCT
fsr-4524	11	32	reinforcing	reinforce	VERB
fsr-4524	11	33	the	the	DET
fsr-4524	11	34	educational	educational	ADJ
fsr-4524	11	35	and	and	CCONJ
fsr-4524	11	36	trust	trust	NOUN
fsr-4524	11	37	-	-	PUNCT
fsr-4524	11	38	building	building	NOUN
fsr-4524	11	39	dimensions	dimension	NOUN
fsr-4524	11	40	of	of	ADP
fsr-4524	11	41	financial	financial	ADJ
fsr-4524	11	42	planning	planning	NOUN
fsr-4524	11	43	.	.	PUNCT
fsr-4524	12	1	from	from	ADP
fsr-4524	12	2	an	an	DET
fsr-4524	12	3	educational	educational	ADJ
fsr-4524	12	4	standpoint	standpoint	NOUN
fsr-4524	12	5	,	,	PUNCT
fsr-4524	12	6	the	the	DET
fsr-4524	12	7	study	study	NOUN
fsr-4524	12	8	’s	’s	PART
fsr-4524	12	9	implications	implication	NOUN
fsr-4524	12	10	resonate	resonate	VERB
fsr-4524	12	11	with	with	ADP
fsr-4524	12	12	emerging	emerge	VERB
fsr-4524	12	13	research	research	NOUN
fsr-4524	12	14	that	that	PRON
fsr-4524	12	15	frames	frame	VERB
fsr-4524	12	16	digital	digital	ADJ
fsr-4524	12	17	and	and	CCONJ
fsr-4524	12	18	financial	financial	ADJ
fsr-4524	12	19	literacy	literacy	NOUN
fsr-4524	12	20	as	as	ADP
fsr-4524	12	21	mutually	mutually	ADV
fsr-4524	12	22	reinforcing	reinforce	VERB
fsr-4524	12	23	competencies	competency	NOUN
fsr-4524	12	24	.	.	PUNCT
fsr-4524	13	1	effective	effective	ADJ
fsr-4524	13	2	financial	financial	ADJ
fsr-4524	13	3	decision	decision	NOUN
fsr-4524	13	4	-	-	PUNCT
fsr-4524	13	5	making	making	NOUN
fsr-4524	13	6	increasingly	increasingly	ADV
fsr-4524	13	7	depends	depend	VERB
fsr-4524	13	8	not	not	PART
fsr-4524	13	9	only	only	ADV
fsr-4524	13	10	on	on	ADP
fsr-4524	13	11	traditional	traditional	ADJ
fsr-4524	13	12	financial	financial	ADJ
fsr-4524	13	13	skills	skill	NOUN
fsr-4524	13	14	but	but	CCONJ
fsr-4524	13	15	also	also	ADV
fsr-4524	13	16	on	on	ADP
fsr-4524	13	17	the	the	DET
fsr-4524	13	18	capacity	capacity	NOUN
fsr-4524	13	19	to	to	PART
fsr-4524	13	20	navigate	navigate	VERB
fsr-4524	13	21	digital	digital	ADJ
fsr-4524	13	22	financial	financial	ADJ
fsr-4524	13	23	services	service	NOUN
fsr-4524	13	24	and	and	CCONJ
fsr-4524	13	25	evaluate	evaluate	VERB
fsr-4524	13	26	technology	technology	NOUN
fsr-4524	13	27	-	-	PUNCT
fsr-4524	13	28	related	relate	VERB
fsr-4524	13	29	risks	risk	NOUN
fsr-4524	13	30	.	.	PUNCT
fsr-4524	14	1	koskelainen	koskelainen	NOUN
fsr-4524	14	2	et	et	PROPN
fsr-4524	14	3	al	al	PROPN
fsr-4524	14	4	.	.	PROPN
fsr-4524	15	1	(	(	PUNCT
fsr-4524	15	2	2023	2023	NUM
fsr-4524	15	3	)	)	PUNCT
fsr-4524	15	4	advance	advance	NOUN
fsr-4524	15	5	this	this	DET
fsr-4524	15	6	perspective	perspective	NOUN
fsr-4524	15	7	by	by	ADP
fsr-4524	15	8	introducing	introduce	VERB
fsr-4524	15	9	digital	digital	ADJ
fsr-4524	15	10	financial	financial	ADJ
fsr-4524	15	11	literacy	literacy	NOUN
fsr-4524	15	12	as	as	ADP
fsr-4524	15	13	an	an	DET
fsr-4524	15	14	integrated	integrated	ADJ
fsr-4524	15	15	skill	skill	NOUN
fsr-4524	15	16	set	set	VERB
fsr-4524	15	17	that	that	PRON
fsr-4524	15	18	can	can	AUX
fsr-4524	15	19	be	be	AUX
fsr-4524	15	20	deliberately	deliberately	ADV
fsr-4524	15	21	developed	develop	VERB
fsr-4524	15	22	through	through	ADP
fsr-4524	15	23	targeted	target	VERB
fsr-4524	15	24	pedagogical	pedagogical	ADJ
fsr-4524	15	25	design	design	NOUN
fsr-4524	15	26	,	,	PUNCT
fsr-4524	15	27	offering	offer	VERB
fsr-4524	15	28	a	a	DET
fsr-4524	15	29	clear	clear	ADJ
fsr-4524	15	30	pathway	pathway	NOUN
fsr-4524	15	31	for	for	ADP
fsr-4524	15	32	enriching	enrich	VERB
fsr-4524	15	33	financial	financial	ADJ
fsr-4524	15	34	planning	planning	NOUN
fsr-4524	15	35	curricula	curricula	NOUN
fsr-4524	15	36	.	.	PUNCT
fsr-4524	16	1	in	in	ADP
fsr-4524	16	2	the	the	DET
fsr-4524	16	3	second	second	ADJ
fsr-4524	16	4	manuscript	manuscript	NOUN
fsr-4524	16	5	,	,	PUNCT
fsr-4524	16	6	macdonald	macdonald	PROPN
fsr-4524	16	7	et	et	PROPN
fsr-4524	16	8	al	al	PROPN
fsr-4524	16	9	.	.	PROPN
fsr-4524	16	10	(	(	PUNCT
fsr-4524	16	11	2025	2025	NUM
fsr-4524	16	12	)	)	PUNCT
fsr-4524	16	13	,	,	PUNCT
fsr-4524	16	14	provide	provide	VERB
fsr-4524	16	15	a	a	DET
fsr-4524	16	16	narrative	narrative	ADJ
fsr-4524	16	17	review	review	NOUN
fsr-4524	16	18	of	of	ADP
fsr-4524	16	19	the	the	DET
fsr-4524	16	20	value	value	NOUN
fsr-4524	16	21	of	of	ADP
fsr-4524	16	22	financial	financial	ADJ
fsr-4524	16	23	advice	advice	NOUN
fsr-4524	16	24	and	and	CCONJ
fsr-4524	16	25	develop	develop	VERB
fsr-4524	16	26	a	a	DET
fsr-4524	16	27	conceptual	conceptual	ADJ
fsr-4524	16	28	framework	framework	NOUN
fsr-4524	16	29	synthesizing	synthesize	VERB
fsr-4524	16	30	the	the	DET
fsr-4524	16	31	insights	insight	NOUN
fsr-4524	16	32	gained	gain	VERB
fsr-4524	16	33	from	from	ADP
fsr-4524	16	34	the	the	DET
fsr-4524	16	35	review	review	NOUN
fsr-4524	16	36	for	for	ADP
fsr-4524	16	37	future	future	ADJ
fsr-4524	16	38	research	research	NOUN
fsr-4524	16	39	.	.	PUNCT
fsr-4524	17	1	their	their	PRON
fsr-4524	17	2	review	review	NOUN
fsr-4524	17	3	confirms	confirm	VERB
fsr-4524	17	4	that	that	SCONJ
fsr-4524	17	5	while	while	SCONJ
fsr-4524	17	6	quantitative	quantitative	ADJ
fsr-4524	17	7	outcomes	outcome	NOUN
fsr-4524	17	8	,	,	PUNCT
fsr-4524	17	9	such	such	ADJ
fsr-4524	17	10	as	as	ADP
fsr-4524	17	11	portfolio	portfolio	NOUN
fsr-4524	17	12	performance	performance	NOUN
fsr-4524	17	13	,	,	PUNCT
fsr-4524	17	14	remain	remain	VERB
fsr-4524	17	15	relevant	relevant	ADJ
fsr-4524	17	16	,	,	PUNCT
fsr-4524	17	17	many	many	ADJ
fsr-4524	17	18	studies	study	NOUN
fsr-4524	17	19	attribute	attribute	VERB
fsr-4524	17	20	the	the	DET
fsr-4524	17	21	most	most	ADV
fsr-4524	17	22	positive	positive	ADJ
fsr-4524	17	23	financial	financial	ADJ
fsr-4524	17	24	services	service	NOUN
fsr-4524	17	25	review	review	NOUN
fsr-4524	17	26	,	,	PUNCT
fsr-4524	17	27	33(4	33(4	NUM
fsr-4524	17	28	)	)	PUNCT
fsr-4524	17	29	v	v	ADP
fsr-4524	17	30	outcomes	outcome	NOUN
fsr-4524	17	31	to	to	PART
fsr-4524	17	32	broader	broad	ADJ
fsr-4524	17	33	wellbeing	wellbee	VERB
fsr-4524	17	34	aspects	aspect	NOUN
fsr-4524	17	35	,	,	PUNCT
fsr-4524	17	36	such	such	ADJ
fsr-4524	17	37	as	as	ADP
fsr-4524	17	38	mental	mental	ADJ
fsr-4524	17	39	wellbeing	wellbeing	NOUN
fsr-4524	17	40	in	in	ADP
fsr-4524	17	41	the	the	DET
fsr-4524	17	42	form	form	NOUN
fsr-4524	17	43	of	of	ADP
fsr-4524	17	44	reduced	reduce	VERB
fsr-4524	17	45	financial	financial	ADJ
fsr-4524	17	46	anxiety	anxiety	NOUN
fsr-4524	17	47	(	(	PUNCT
fsr-4524	17	48	see	see	VERB
fsr-4524	17	49	e.g.	e.g.	ADV
fsr-4524	17	50	,	,	PUNCT
fsr-4524	17	51	archuleta	archuleta	PROPN
fsr-4524	17	52	et	et	PROPN
fsr-4524	17	53	al	al	PROPN
fsr-4524	17	54	.	.	PROPN
fsr-4524	17	55	,	,	PUNCT
fsr-4524	17	56	2020	2020	NUM
fsr-4524	17	57	)	)	PUNCT
fsr-4524	17	58	.	.	PUNCT
fsr-4524	18	1	overall	overall	ADV
fsr-4524	18	2	,	,	PUNCT
fsr-4524	18	3	they	they	PRON
fsr-4524	18	4	conclude	conclude	VERB
fsr-4524	18	5	that	that	SCONJ
fsr-4524	18	6	financial	financial	ADJ
fsr-4524	18	7	advice	advice	NOUN
fsr-4524	18	8	value	value	NOUN
fsr-4524	18	9	is	be	AUX
fsr-4524	18	10	a	a	DET
fsr-4524	18	11	complex	complex	ADJ
fsr-4524	18	12	and	and	CCONJ
fsr-4524	18	13	multidimensional	multidimensional	ADJ
fsr-4524	18	14	construct	construct	NOUN
fsr-4524	18	15	,	,	PUNCT
fsr-4524	18	16	which	which	PRON
fsr-4524	18	17	aligns	align	VERB
fsr-4524	18	18	with	with	ADP
fsr-4524	18	19	the	the	DET
fsr-4524	18	20	view	view	NOUN
fsr-4524	18	21	that	that	SCONJ
fsr-4524	18	22	financial	financial	ADJ
fsr-4524	18	23	advice	advice	NOUN
fsr-4524	18	24	is	be	AUX
fsr-4524	18	25	a	a	DET
fsr-4524	18	26	credence	credence	NOUN
fsr-4524	18	27	good	good	NOUN
fsr-4524	18	28	:	:	PUNCT
fsr-4524	18	29	its	its	PRON
fsr-4524	18	30	value	value	NOUN
fsr-4524	18	31	can	can	AUX
fsr-4524	18	32	not	not	PART
fsr-4524	18	33	be	be	AUX
fsr-4524	18	34	fully	fully	ADV
fsr-4524	18	35	verified	verify	VERB
fsr-4524	18	36	even	even	ADV
fsr-4524	18	37	after	after	ADP
fsr-4524	18	38	service	service	NOUN
fsr-4524	18	39	delivery	delivery	NOUN
fsr-4524	18	40	due	due	ADP
fsr-4524	18	41	to	to	ADP
fsr-4524	18	42	inherent	inherent	ADJ
fsr-4524	18	43	information	information	NOUN
fsr-4524	18	44	asymmetries	asymmetry	NOUN
fsr-4524	18	45	(	(	PUNCT
fsr-4524	18	46	dulleck	dulleck	NOUN
fsr-4524	18	47	&	&	CCONJ
fsr-4524	18	48	kerschbamer	kerschbamer	PROPN
fsr-4524	18	49	,	,	PUNCT
fsr-4524	18	50	2006	2006	NUM
fsr-4524	18	51	)	)	PUNCT
fsr-4524	18	52	.	.	PUNCT
fsr-4524	19	1	these	these	DET
fsr-4524	19	2	insights	insight	NOUN
fsr-4524	19	3	suggest	suggest	VERB
fsr-4524	19	4	productive	productive	ADJ
fsr-4524	19	5	avenues	avenue	NOUN
fsr-4524	19	6	for	for	ADP
fsr-4524	19	7	future	future	ADJ
fsr-4524	19	8	practice	practice	NOUN
fsr-4524	19	9	-	-	PUNCT
fsr-4524	19	10	relevant	relevant	ADJ
fsr-4524	19	11	research	research	NOUN
fsr-4524	19	12	in	in	ADP
fsr-4524	19	13	developing	develop	VERB
fsr-4524	19	14	more	more	ADV
fsr-4524	19	15	nuanced	nuanced	ADJ
fsr-4524	19	16	,	,	PUNCT
fsr-4524	19	17	evidence	evidence	NOUN
fsr-4524	19	18	-	-	PUNCT
fsr-4524	19	19	informed	inform	VERB
fsr-4524	19	20	approaches	approach	NOUN
fsr-4524	19	21	to	to	ADP
fsr-4524	19	22	articulating	articulating	ADJ
fsr-4524	19	23	and	and	CCONJ
fsr-4524	19	24	assessing	assess	VERB
fsr-4524	19	25	the	the	DET
fsr-4524	19	26	multidimensional	multidimensional	ADJ
fsr-4524	19	27	value	value	NOUN
fsr-4524	19	28	of	of	ADP
fsr-4524	19	29	financial	financial	ADJ
fsr-4524	19	30	advice	advice	NOUN
fsr-4524	19	31	.	.	PUNCT
fsr-4524	20	1	such	such	ADJ
fsr-4524	20	2	work	work	NOUN
fsr-4524	20	3	could	could	AUX
fsr-4524	20	4	support	support	VERB
fsr-4524	20	5	clearer	clear	ADJ
fsr-4524	20	6	communication	communication	NOUN
fsr-4524	20	7	of	of	ADP
fsr-4524	20	8	adviser	adviser	NOUN
fsr-4524	20	9	value	value	NOUN
fsr-4524	20	10	and	and	CCONJ
fsr-4524	20	11	strengthen	strengthen	VERB
fsr-4524	20	12	alignment	alignment	ADJ
fsr-4524	20	13	professional	professional	ADJ
fsr-4524	20	14	practice	practice	NOUN
fsr-4524	20	15	with	with	ADP
fsr-4524	20	16	client	client	NOUN
fsr-4524	20	17	wellbeing	wellbee	VERB
fsr-4524	20	18	outcomes	outcome	NOUN
fsr-4524	20	19	.	.	PUNCT
fsr-4524	21	1	for	for	ADP
fsr-4524	21	2	financial	financial	ADJ
fsr-4524	21	3	planning	planning	NOUN
fsr-4524	21	4	education	education	NOUN
fsr-4524	21	5	,	,	PUNCT
fsr-4524	21	6	these	these	DET
fsr-4524	21	7	findings	finding	NOUN
fsr-4524	21	8	echo	echo	VERB
fsr-4524	21	9	longstanding	longstanding	ADJ
fsr-4524	21	10	calls	call	NOUN
fsr-4524	21	11	within	within	ADP
fsr-4524	21	12	the	the	DET
fsr-4524	21	13	financial	financial	ADJ
fsr-4524	21	14	therapy	therapy	NOUN
fsr-4524	21	15	and	and	CCONJ
fsr-4524	21	16	financial	financial	ADJ
fsr-4524	21	17	planning	planning	NOUN
fsr-4524	21	18	literature	literature	NOUN
fsr-4524	21	19	for	for	ADP
fsr-4524	21	20	stronger	strong	ADJ
fsr-4524	21	21	development	development	NOUN
fsr-4524	21	22	of	of	ADP
fsr-4524	21	23	relational	relational	ADJ
fsr-4524	21	24	and	and	CCONJ
fsr-4524	21	25	interpersonal	interpersonal	ADJ
fsr-4524	21	26	competencies	competency	NOUN
fsr-4524	21	27	,	,	PUNCT
fsr-4524	21	28	including	include	VERB
fsr-4524	21	29	communication	communication	NOUN
fsr-4524	21	30	,	,	PUNCT
fsr-4524	21	31	empathy	empathy	NOUN
fsr-4524	21	32	,	,	PUNCT
fsr-4524	21	33	and	and	CCONJ
fsr-4524	21	34	behavioral	behavioral	ADJ
fsr-4524	21	35	coaching	coaching	NOUN
fsr-4524	21	36	(	(	PUNCT
fsr-4524	21	37	e.g.	e.g.	ADV
fsr-4524	21	38	,	,	PUNCT
fsr-4524	21	39	asebedo	asebedo	PROPN
fsr-4524	21	40	,	,	PUNCT
fsr-4524	21	41	2019	2019	NUM
fsr-4524	21	42	)	)	PUNCT
fsr-4524	21	43	.	.	PUNCT
fsr-4524	22	1	in	in	ADP
fsr-4524	22	2	the	the	DET
fsr-4524	22	3	final	final	ADJ
fsr-4524	22	4	paper	paper	NOUN
fsr-4524	22	5	,	,	PUNCT
fsr-4524	22	6	ahamed	ahamed	PROPN
fsr-4524	22	7	et	et	PROPN
fsr-4524	22	8	al	al	PROPN
fsr-4524	22	9	.	.	PROPN
fsr-4524	23	1	(	(	PUNCT
fsr-4524	23	2	2025	2025	NUM
fsr-4524	23	3	)	)	PUNCT
fsr-4524	23	4	investigate	investigate	VERB
fsr-4524	23	5	financial	financial	ADJ
fsr-4524	23	6	management	management	NOUN
fsr-4524	23	7	behavior	behavior	NOUN
fsr-4524	23	8	among	among	ADP
fsr-4524	23	9	young	young	ADJ
fsr-4524	23	10	adults	adult	NOUN
fsr-4524	23	11	in	in	ADP
fsr-4524	23	12	poland	poland	PROPN
fsr-4524	23	13	,	,	PUNCT
fsr-4524	23	14	where	where	SCONJ
fsr-4524	23	15	intergenerational	intergenerational	ADJ
fsr-4524	23	16	financial	financial	ADJ
fsr-4524	23	17	knowledge	knowledge	NOUN
fsr-4524	23	18	transfer	transfer	NOUN
fsr-4524	23	19	remains	remain	VERB
fsr-4524	23	20	limited	limited	ADJ
fsr-4524	23	21	due	due	ADP
fsr-4524	23	22	to	to	ADP
fsr-4524	23	23	the	the	DET
fsr-4524	23	24	country	country	NOUN
fsr-4524	23	25	’s	’s	PART
fsr-4524	23	26	post	post	ADJ
fsr-4524	23	27	-	-	ADJ
fsr-4524	23	28	communist	communist	ADJ
fsr-4524	23	29	economic	economic	ADJ
fsr-4524	23	30	history	history	NOUN
fsr-4524	23	31	.	.	PUNCT
fsr-4524	24	1	in	in	ADP
fsr-4524	24	2	this	this	DET
fsr-4524	24	3	quasi	quasi	ADJ
fsr-4524	24	4	-	-	ADJ
fsr-4524	24	5	laboratory	laboratory	ADJ
fsr-4524	24	6	context	context	NOUN
fsr-4524	24	7	,	,	PUNCT
fsr-4524	24	8	parental	parental	ADJ
fsr-4524	24	9	financial	financial	ADJ
fsr-4524	24	10	socialization	socialization	NOUN
fsr-4524	24	11	is	be	AUX
fsr-4524	24	12	comparatively	comparatively	ADV
fsr-4524	24	13	weak	weak	ADJ
fsr-4524	24	14	,	,	PUNCT
fsr-4524	24	15	allowing	allow	VERB
fsr-4524	24	16	the	the	DET
fsr-4524	24	17	authors	author	NOUN
fsr-4524	24	18	to	to	PART
fsr-4524	24	19	isolate	isolate	VERB
fsr-4524	24	20	the	the	DET
fsr-4524	24	21	role	role	NOUN
fsr-4524	24	22	of	of	ADP
fsr-4524	24	23	internal	internal	ADJ
fsr-4524	24	24	psychological	psychological	ADJ
fsr-4524	24	25	factors	factor	NOUN
fsr-4524	24	26	that	that	PRON
fsr-4524	24	27	are	be	AUX
fsr-4524	24	28	typically	typically	ADV
fsr-4524	24	29	difficult	difficult	ADJ
fsr-4524	24	30	to	to	PART
fsr-4524	24	31	disentangle	disentangle	VERB
fsr-4524	24	32	from	from	ADP
fsr-4524	24	33	intergenerational	intergenerational	ADJ
fsr-4524	24	34	influences	influence	NOUN
fsr-4524	24	35	in	in	ADP
fsr-4524	24	36	other	other	ADJ
fsr-4524	24	37	settings	setting	NOUN
fsr-4524	24	38	.	.	PUNCT
fsr-4524	25	1	using	use	VERB
fsr-4524	25	2	structural	structural	ADJ
fsr-4524	25	3	equation	equation	NOUN
fsr-4524	25	4	modelling	modelling	NOUN
fsr-4524	25	5	and	and	CCONJ
fsr-4524	25	6	fuzzyset	fuzzyset	ADJ
fsr-4524	25	7	qualitative	qualitative	ADJ
fsr-4524	25	8	comparative	comparative	ADJ
fsr-4524	25	9	analysis	analysis	NOUN
fsr-4524	25	10	,	,	PUNCT
fsr-4524	25	11	the	the	DET
fsr-4524	25	12	authors	author	NOUN
fsr-4524	25	13	show	show	VERB
fsr-4524	25	14	that	that	SCONJ
fsr-4524	25	15	a	a	DET
fsr-4524	25	16	strong	strong	ADJ
fsr-4524	25	17	financial	financial	ADJ
fsr-4524	25	18	attitude	attitude	NOUN
fsr-4524	25	19	,	,	PUNCT
fsr-4524	25	20	combined	combine	VERB
fsr-4524	25	21	with	with	ADP
fsr-4524	25	22	high	high	ADJ
fsr-4524	25	23	subjective	subjective	ADJ
fsr-4524	25	24	financial	financial	ADJ
fsr-4524	25	25	knowledge	knowledge	NOUN
fsr-4524	25	26	,	,	PUNCT
fsr-4524	25	27	can	can	AUX
fsr-4524	25	28	drive	drive	VERB
fsr-4524	25	29	desirable	desirable	ADJ
fsr-4524	25	30	behavior	behavior	NOUN
fsr-4524	25	31	despite	despite	SCONJ
fsr-4524	25	32	low	low	ADJ
fsr-4524	25	33	socialization	socialization	NOUN
fsr-4524	25	34	and	and	CCONJ
fsr-4524	25	35	financial	financial	ADJ
fsr-4524	25	36	self	self	NOUN
fsr-4524	25	37	-	-	PUNCT
fsr-4524	25	38	efficacy	efficacy	NOUN
fsr-4524	25	39	.	.	PUNCT
fsr-4524	26	1	for	for	ADP
fsr-4524	26	2	practice	practice	NOUN
fsr-4524	26	3	,	,	PUNCT
fsr-4524	26	4	the	the	DET
fsr-4524	26	5	study	study	NOUN
fsr-4524	26	6	reinforces	reinforce	VERB
fsr-4524	26	7	that	that	SCONJ
fsr-4524	26	8	effective	effective	ADJ
fsr-4524	26	9	client	client	NOUN
fsr-4524	26	10	engagement	engagement	NOUN
fsr-4524	26	11	requires	require	VERB
fsr-4524	26	12	tools	tool	NOUN
fsr-4524	26	13	and	and	CCONJ
fsr-4524	26	14	techniques	technique	NOUN
fsr-4524	26	15	capable	capable	ADJ
fsr-4524	26	16	of	of	ADP
fsr-4524	26	17	identifying	identify	VERB
fsr-4524	26	18	clients	client	NOUN
fsr-4524	26	19	’	’	PART
fsr-4524	26	20	psychological	psychological	ADJ
fsr-4524	26	21	drivers	driver	NOUN
fsr-4524	26	22	,	,	PUNCT
fsr-4524	26	23	including	include	VERB
fsr-4524	26	24	financial	financial	ADJ
fsr-4524	26	25	attitudes	attitude	NOUN
fsr-4524	26	26	,	,	PUNCT
fsr-4524	26	27	knowledge	knowledge	NOUN
fsr-4524	26	28	,	,	PUNCT
fsr-4524	26	29	and	and	CCONJ
fsr-4524	26	30	self	self	NOUN
fsr-4524	26	31	-	-	PUNCT
fsr-4524	26	32	efficacy	efficacy	NOUN
fsr-4524	26	33	,	,	PUNCT
fsr-4524	26	34	which	which	PRON
fsr-4524	26	35	are	be	AUX
fsr-4524	26	36	often	often	ADV
fsr-4524	26	37	overlooked	overlook	VERB
fsr-4524	26	38	in	in	ADP
fsr-4524	26	39	conventional	conventional	ADJ
fsr-4524	26	40	client	client	NOUN
fsr-4524	26	41	discovery	discovery	NOUN
fsr-4524	26	42	practices	practice	NOUN
fsr-4524	26	43	.	.	PUNCT
fsr-4524	27	1	for	for	ADP
fsr-4524	27	2	educators	educator	NOUN
fsr-4524	27	3	,	,	PUNCT
fsr-4524	27	4	the	the	DET
fsr-4524	27	5	study	study	NOUN
fsr-4524	27	6	supports	support	VERB
fsr-4524	27	7	the	the	DET
fsr-4524	27	8	value	value	NOUN
fsr-4524	27	9	of	of	ADP
fsr-4524	27	10	teaching	teaching	NOUN
fsr-4524	27	11	methods	method	NOUN
fsr-4524	27	12	that	that	PRON
fsr-4524	27	13	deepen	deepen	VERB
fsr-4524	27	14	students	student	NOUN
fsr-4524	27	15	’	’	PART
fsr-4524	27	16	understanding	understanding	NOUN
fsr-4524	27	17	of	of	ADP
fsr-4524	27	18	financial	financial	ADJ
fsr-4524	27	19	decision	decision	NOUN
fsr-4524	27	20	-	-	PUNCT
fsr-4524	27	21	making	making	NOUN
fsr-4524	27	22	from	from	ADP
fsr-4524	27	23	the	the	DET
fsr-4524	27	24	client	client	NOUN
fsr-4524	27	25	’s	’s	PART
fsr-4524	27	26	perspective	perspective	NOUN
fsr-4524	27	27	.	.	PUNCT
fsr-4524	28	1	incorporating	incorporate	VERB
fsr-4524	28	2	structured	structured	ADJ
fsr-4524	28	3	client	client	NOUN
fsr-4524	28	4	-	-	PUNCT
fsr-4524	28	5	discovery	discovery	NOUN
fsr-4524	28	6	exercises	exercise	NOUN
fsr-4524	28	7	,	,	PUNCT
fsr-4524	28	8	reflective	reflective	ADJ
fsr-4524	28	9	interviewing	interview	VERB
fsr-4524	28	10	techniques	technique	NOUN
fsr-4524	28	11	,	,	PUNCT
fsr-4524	28	12	or	or	CCONJ
fsr-4524	28	13	analyses	analysis	NOUN
fsr-4524	28	14	of	of	ADP
fsr-4524	28	15	client	client	NOUN
fsr-4524	28	16	stories	story	NOUN
fsr-4524	28	17	can	can	AUX
fsr-4524	28	18	help	help	VERB
fsr-4524	28	19	emerging	emerge	VERB
fsr-4524	28	20	advisers	adviser	NOUN
fsr-4524	28	21	appreciate	appreciate	VERB
fsr-4524	28	22	behavioral	behavioral	ADJ
fsr-4524	28	23	drivers	driver	NOUN
fsr-4524	28	24	of	of	ADP
fsr-4524	28	25	financial	financial	ADJ
fsr-4524	28	26	behaviour	behaviour	NOUN
fsr-4524	28	27	.	.	PUNCT
fsr-4524	29	1	some	some	PRON
fsr-4524	29	2	of	of	ADP
fsr-4524	29	3	these	these	DET
fsr-4524	29	4	approaches	approach	NOUN
fsr-4524	29	5	have	have	AUX
fsr-4524	29	6	been	be	AUX
fsr-4524	29	7	illustrated	illustrate	VERB
fsr-4524	29	8	by	by	ADP
fsr-4524	29	9	several	several	ADJ
fsr-4524	29	10	of	of	ADP
fsr-4524	29	11	the	the	DET
fsr-4524	29	12	pedagogical	pedagogical	ADJ
fsr-4524	29	13	contributions	contribution	NOUN
fsr-4524	29	14	to	to	ADP
fsr-4524	29	15	this	this	DET
fsr-4524	29	16	special	special	ADJ
fsr-4524	29	17	issue	issue	NOUN
fsr-4524	29	18	.	.	PUNCT
fsr-4524	30	1	taken	take	VERB
fsr-4524	30	2	together	together	ADV
fsr-4524	30	3	,	,	PUNCT
fsr-4524	30	4	these	these	DET
fsr-4524	30	5	three	three	NUM
fsr-4524	30	6	studies	study	NOUN
fsr-4524	30	7	illuminate	illuminate	VERB
fsr-4524	30	8	critical	critical	ADJ
fsr-4524	30	9	trends	trend	NOUN
fsr-4524	30	10	that	that	PRON
fsr-4524	30	11	extend	extend	VERB
fsr-4524	30	12	beyond	beyond	ADP
fsr-4524	30	13	their	their	PRON
fsr-4524	30	14	immediate	immediate	ADJ
fsr-4524	30	15	empirical	empirical	ADJ
fsr-4524	30	16	settings	setting	NOUN
fsr-4524	30	17	.	.	PUNCT
fsr-4524	31	1	they	they	PRON
fsr-4524	31	2	point	point	VERB
fsr-4524	31	3	to	to	ADP
fsr-4524	31	4	a	a	DET
fsr-4524	31	5	profession	profession	NOUN
fsr-4524	31	6	increasingly	increasingly	ADV
fsr-4524	31	7	characterized	characterize	VERB
fsr-4524	31	8	by	by	ADP
fsr-4524	31	9	digital	digital	ADJ
fsr-4524	31	10	risk	risk	NOUN
fsr-4524	31	11	,	,	PUNCT
fsr-4524	31	12	behavioral	behavioral	ADJ
fsr-4524	31	13	complexity	complexity	NOUN
fsr-4524	31	14	,	,	PUNCT
fsr-4524	31	15	and	and	CCONJ
fsr-4524	31	16	growing	grow	VERB
fsr-4524	31	17	client	client	NOUN
fsr-4524	31	18	diversity	diversity	NOUN
fsr-4524	31	19	,	,	PUNCT
fsr-4524	31	20	suggesting	suggest	VERB
fsr-4524	31	21	that	that	SCONJ
fsr-4524	31	22	tomorrow	tomorrow	NOUN
fsr-4524	31	23	’s	’s	PART
fsr-4524	31	24	financial	financial	ADJ
fsr-4524	31	25	planners	planner	NOUN
fsr-4524	31	26	will	will	AUX
fsr-4524	31	27	require	require	VERB
fsr-4524	31	28	broader	broad	ADJ
fsr-4524	31	29	behavioral	behavioral	ADJ
fsr-4524	31	30	and	and	CCONJ
fsr-4524	31	31	digital	digital	ADJ
fsr-4524	31	32	competencies	competency	NOUN
fsr-4524	31	33	.	.	PUNCT
fsr-4524	32	1	these	these	DET
fsr-4524	32	2	themes	theme	NOUN
fsr-4524	32	3	align	align	VERB
fsr-4524	32	4	closely	closely	ADV
fsr-4524	32	5	with	with	ADP
fsr-4524	32	6	the	the	DET
fsr-4524	32	7	pedagogical	pedagogical	ADJ
fsr-4524	32	8	innovations	innovation	NOUN
fsr-4524	32	9	highlighted	highlight	VERB
fsr-4524	32	10	in	in	ADP
fsr-4524	32	11	the	the	DET
fsr-4524	32	12	special	special	ADJ
fsr-4524	32	13	issue	issue	NOUN
fsr-4524	32	14	and	and	CCONJ
fsr-4524	32	15	offer	offer	VERB
fsr-4524	32	16	productive	productive	ADJ
fsr-4524	32	17	avenues	avenue	NOUN
fsr-4524	32	18	for	for	ADP
fsr-4524	32	19	future	future	ADJ
fsr-4524	32	20	scholarship	scholarship	NOUN
fsr-4524	32	21	on	on	ADP
fsr-4524	32	22	the	the	DET
fsr-4524	32	23	evolving	evolve	VERB
fsr-4524	32	24	foundations	foundation	NOUN
fsr-4524	32	25	of	of	ADP
fsr-4524	32	26	financial	financial	ADJ
fsr-4524	32	27	planning	planning	NOUN
fsr-4524	32	28	education	education	NOUN
fsr-4524	32	29	.	.	PUNCT
fsr-4524	33	1	as	as	SCONJ
fsr-4524	33	2	inga	inga	PROPN
fsr-4524	33	3	noted	note	VERB
fsr-4524	33	4	,	,	PUNCT
fsr-4524	33	5	the	the	DET
fsr-4524	33	6	continued	continue	VERB
fsr-4524	33	7	vibrancy	vibrancy	NOUN
fsr-4524	33	8	of	of	ADP
fsr-4524	33	9	fsr	fsr	PROPN
fsr-4524	33	10	rests	rest	VERB
fsr-4524	33	11	on	on	ADP
fsr-4524	33	12	the	the	DET
fsr-4524	33	13	commitment	commitment	NOUN
fsr-4524	33	14	of	of	ADP
fsr-4524	33	15	our	our	PRON
fsr-4524	33	16	associate	associate	ADJ
fsr-4524	33	17	editors	editor	NOUN
fsr-4524	33	18	,	,	PUNCT
fsr-4524	33	19	editorial	editorial	NOUN
fsr-4524	33	20	board	board	NOUN
fsr-4524	33	21	members	member	NOUN
fsr-4524	33	22	,	,	PUNCT
fsr-4524	33	23	and	and	CCONJ
fsr-4524	33	24	reviewers	reviewer	NOUN
fsr-4524	33	25	,	,	PUNCT
fsr-4524	33	26	and	and	CCONJ
fsr-4524	33	27	i	i	PRON
fsr-4524	33	28	am	be	AUX
fsr-4524	33	29	deeply	deeply	ADV
fsr-4524	33	30	grateful	grateful	ADJ
fsr-4524	33	31	for	for	ADP
fsr-4524	33	32	their	their	PRON
fsr-4524	33	33	contributions	contribution	NOUN
fsr-4524	33	34	and	and	CCONJ
fsr-4524	33	35	for	for	ADP
fsr-4524	33	36	the	the	DET
fsr-4524	33	37	collaborative	collaborative	ADJ
fsr-4524	33	38	spirit	spirit	NOUN
fsr-4524	33	39	that	that	PRON
fsr-4524	33	40	drives	drive	VERB
fsr-4524	33	41	the	the	DET
fsr-4524	33	42	fsr	fsr	PROPN
fsr-4524	33	43	community	community	NOUN
fsr-4524	33	44	forward	forward	ADV
fsr-4524	33	45	.	.	PUNCT
fsr-4524	34	1	financial	financial	ADJ
fsr-4524	34	2	services	service	NOUN
fsr-4524	34	3	review	review	NOUN
fsr-4524	34	4	,	,	PUNCT
fsr-4524	34	5	33(4	33(4	NUM
fsr-4524	34	6	)	)	PUNCT
fsr-4524	34	7	vi	vi	NOUN
fsr-4524	34	8	references	reference	NOUN
fsr-4524	34	9	ahamed	ahamed	PROPN
fsr-4524	34	10	,	,	PUNCT
fsr-4524	34	11	a.	a.	PROPN
fsr-4524	34	12	f.	f.	PROPN
fsr-4524	34	13	m.	m.	PROPN
fsr-4524	34	14	j.	j.	PROPN
fsr-4524	34	15	,	,	PUNCT
fsr-4524	34	16	jakubowska	jakubowska	PROPN
fsr-4524	34	17	,	,	PUNCT
fsr-4524	34	18	d.	d.	PROPN
fsr-4524	34	19	,	,	PUNCT
fsr-4524	34	20	pacholek	pacholek	NOUN
fsr-4524	34	21	,	,	PUNCT
fsr-4524	34	22	b.	b.	PROPN
fsr-4524	34	23	,	,	PUNCT
fsr-4524	34	24	&	&	CCONJ
fsr-4524	34	25	dziewanowska	dziewanowska	PROPN
fsr-4524	34	26	,	,	PUNCT
fsr-4524	34	27	k.	k.	PROPN
fsr-4524	34	28	(	(	PUNCT
fsr-4524	34	29	2025	2025	NUM
fsr-4524	34	30	)	)	PUNCT
fsr-4524	34	31	.	.	PUNCT
fsr-4524	35	1	exploring	explore	VERB
fsr-4524	35	2	factors	factor	NOUN
fsr-4524	35	3	affecting	affect	VERB
fsr-4524	35	4	young	young	ADJ
fsr-4524	35	5	adults	adult	NOUN
fsr-4524	35	6	'	'	PART
fsr-4524	35	7	financial	financial	ADJ
fsr-4524	35	8	management	management	NOUN
fsr-4524	35	9	behavior	behavior	NOUN
fsr-4524	35	10	:	:	PUNCT
fsr-4524	35	11	a	a	DET
fsr-4524	35	12	hybrid	hybrid	ADJ
fsr-4524	35	13	pls	pls	NOUN
fsr-4524	35	14	-	-	PUNCT
fsr-4524	35	15	sem	sem	NOUN
fsr-4524	35	16	and	and	CCONJ
fsr-4524	35	17	fsqca	fsqca	NOUN
fsr-4524	35	18	approach	approach	NOUN
fsr-4524	35	19	.	.	PUNCT
fsr-4524	36	1	financial	financial	ADJ
fsr-4524	36	2	services	service	NOUN
fsr-4524	36	3	review	review	PROPN
fsr-4524	36	4	,	,	PUNCT
fsr-4524	36	5	33(5	33(5	NUM
fsr-4524	36	6	)	)	PUNCT
fsr-4524	36	7	,	,	PUNCT
fsr-4524	36	8	164	164	NUM
fsr-4524	36	9	-	-	SYM
fsr-4524	36	10	190	190	NUM
fsr-4524	36	11	.	.	PUNCT
fsr-4524	37	1	antonoudi	antonoudi	PROPN
fsr-4524	37	2	,	,	PUNCT
fsr-4524	37	3	e.	e.	PROPN
fsr-4524	37	4	,	,	PUNCT
fsr-4524	37	5	seay	seay	PROPN
fsr-4524	37	6	,	,	PUNCT
fsr-4524	37	7	m.	m.	NOUN
fsr-4524	37	8	,	,	PUNCT
fsr-4524	37	9	lim	lim	PROPN
fsr-4524	37	10	,	,	PUNCT
fsr-4524	37	11	h.	h.	PROPN
fsr-4524	37	12	,	,	PUNCT
fsr-4524	37	13	&	&	CCONJ
fsr-4524	37	14	kiss	kiss	PROPN
fsr-4524	37	15	,	,	PUNCT
fsr-4524	37	16	e.	e.	PROPN
fsr-4524	37	17	(	(	PUNCT
fsr-4524	37	18	2025	2025	NUM
fsr-4524	37	19	)	)	PUNCT
fsr-4524	37	20	.	.	PUNCT
fsr-4524	38	1	the	the	DET
fsr-4524	38	2	impact	impact	NOUN
fsr-4524	38	3	of	of	ADP
fsr-4524	38	4	the	the	DET
fsr-4524	38	5	online	online	ADJ
fsr-4524	38	6	marketplace	marketplace	NOUN
fsr-4524	38	7	on	on	ADP
fsr-4524	38	8	fraud	fraud	NOUN
fsr-4524	38	9	:	:	PUNCT
fsr-4524	38	10	evidence	evidence	NOUN
fsr-4524	38	11	from	from	ADP
fsr-4524	38	12	craigslist	craigslist	NOUN
fsr-4524	38	13	from	from	ADP
fsr-4524	38	14	its	its	PRON
fsr-4524	38	15	early	early	ADJ
fsr-4524	38	16	adoption	adoption	NOUN
fsr-4524	38	17	in	in	ADP
fsr-4524	38	18	1995	1995	NUM
fsr-4524	38	19	to	to	ADP
fsr-4524	38	20	its	its	PRON
fsr-4524	38	21	wider	wide	ADJ
fsr-4524	38	22	expansion	expansion	NOUN
fsr-4524	38	23	in	in	ADP
fsr-4524	38	24	2006	2006	NUM
fsr-4524	38	25	,	,	PUNCT
fsr-4524	38	26	financial	financial	ADJ
fsr-4524	38	27	services	service	NOUN
fsr-4524	38	28	review	review	NOUN
fsr-4524	38	29	,	,	PUNCT
fsr-4524	38	30	33(4	33(4	NUM
fsr-4524	38	31	)	)	PUNCT
fsr-4524	38	32	,	,	PUNCT
fsr-4524	38	33	121	121	NUM
fsr-4524	38	34	-	-	SYM
fsr-4524	38	35	133	133	NUM
fsr-4524	38	36	.	.	PUNCT
fsr-4524	39	1	archuleta	archuleta	PROPN
fsr-4524	39	2	,	,	PUNCT
fsr-4524	39	3	k.l	k.l	PROPN
fsr-4524	39	4	.	.	PROPN
fsr-4524	39	5	,	,	PUNCT
fsr-4524	39	6	mielitz	mielitz	PROPN
fsr-4524	39	7	,	,	PUNCT
fsr-4524	39	8	k.s	k.s	PROPN
fsr-4524	39	9	.	.	PROPN
fsr-4524	39	10	,	,	PUNCT
fsr-4524	39	11	jayne	jayne	PROPN
fsr-4524	39	12	,	,	PUNCT
fsr-4524	39	13	d.	d.	PROPN
fsr-4524	39	14	&	&	CCONJ
fsr-4524	39	15	le	le	PROPN
fsr-4524	39	16	,	,	PUNCT
fsr-4524	39	17	v.	v.	PROPN
fsr-4524	39	18	(	(	PUNCT
fsr-4524	39	19	2020	2020	NUM
fsr-4524	39	20	)	)	PUNCT
fsr-4524	39	21	.	.	PUNCT
fsr-4524	40	1	financial	financial	ADJ
fsr-4524	40	2	goal	goal	NOUN
fsr-4524	40	3	setting	set	VERB
fsr-4524	40	4	,	,	PUNCT
fsr-4524	40	5	financial	financial	ADJ
fsr-4524	40	6	anxiety	anxiety	NOUN
fsr-4524	40	7	,	,	PUNCT
fsr-4524	40	8	and	and	CCONJ
fsr-4524	40	9	solution	solution	NOUN
fsr-4524	40	10	-	-	PUNCT
fsr-4524	40	11	focused	focus	VERB
fsr-4524	40	12	financial	financial	ADJ
fsr-4524	40	13	therapy	therapy	NOUN
fsr-4524	40	14	(	(	PUNCT
fsr-4524	40	15	sfft	sfft	NOUN
fsr-4524	40	16	):	):	PUNCT
fsr-4524	40	17	a	a	DET
fsr-4524	40	18	quasi	quasi	ADJ
fsr-4524	40	19	-	-	ADJ
fsr-4524	40	20	experimental	experimental	ADJ
fsr-4524	40	21	outcome	outcome	NOUN
fsr-4524	40	22	study	study	NOUN
fsr-4524	40	23	.	.	PUNCT
fsr-4524	41	1	contemporary	contemporary	ADJ
fsr-4524	41	2	family	family	NOUN
fsr-4524	41	3	therapy	therapy	NOUN
fsr-4524	41	4	,	,	PUNCT
fsr-4524	41	5	42(1	42(1	NOUN
fsr-4524	41	6	)	)	PUNCT
fsr-4524	41	7	,	,	PUNCT
fsr-4524	41	8	68	68	NUM
fsr-4524	41	9	-	-	SYM
fsr-4524	41	10	76	76	NUM
fsr-4524	41	11	.	.	PUNCT
fsr-4524	42	1	asebedo	asebedo	PROPN
fsr-4524	42	2	,	,	PUNCT
fsr-4524	42	3	s.d	s.d	PROPN
fsr-4524	42	4	.	.	PROPN
fsr-4524	42	5	(	(	PUNCT
fsr-4524	42	6	2019	2019	NUM
fsr-4524	42	7	)	)	PUNCT
fsr-4524	42	8	.	.	PUNCT
fsr-4524	43	1	financial	financial	ADJ
fsr-4524	43	2	planning	planning	NOUN
fsr-4524	43	3	client	client	NOUN
fsr-4524	43	4	interaction	interaction	NOUN
fsr-4524	43	5	theory	theory	NOUN
fsr-4524	43	6	(	(	PUNCT
fsr-4524	43	7	fpcit	fpcit	ADJ
fsr-4524	43	8	)	)	PUNCT
fsr-4524	43	9	.	.	PUNCT
fsr-4524	44	1	journal	journal	PROPN
fsr-4524	44	2	of	of	ADP
fsr-4524	44	3	personal	personal	ADJ
fsr-4524	44	4	finance	finance	NOUN
fsr-4524	44	5	,	,	PUNCT
fsr-4524	44	6	18(1	18(1	NUM
fsr-4524	44	7	)	)	PUNCT
fsr-4524	44	8	,	,	PUNCT
fsr-4524	44	9	9	9	NUM
fsr-4524	44	10	-	-	SYM
fsr-4524	44	11	23	23	NUM
fsr-4524	44	12	.	.	PUNCT
fsr-4524	45	1	dulleck	dulleck	NOUN
fsr-4524	45	2	,	,	PUNCT
fsr-4524	45	3	u.	u.	PROPN
fsr-4524	45	4	&	&	CCONJ
fsr-4524	45	5	kerschbamer	kerschbamer	PROPN
fsr-4524	45	6	,	,	PUNCT
fsr-4524	45	7	r.	r.	PROPN
fsr-4524	45	8	(	(	PUNCT
fsr-4524	45	9	2006	2006	NUM
fsr-4524	45	10	)	)	PUNCT
fsr-4524	45	11	.	.	PUNCT
fsr-4524	46	1	on	on	ADP
fsr-4524	46	2	doctors	doctor	NOUN
fsr-4524	46	3	,	,	PUNCT
fsr-4524	46	4	mechanics	mechanic	NOUN
fsr-4524	46	5	,	,	PUNCT
fsr-4524	46	6	and	and	CCONJ
fsr-4524	46	7	computer	computer	NOUN
fsr-4524	46	8	specialists	specialist	NOUN
fsr-4524	46	9	:	:	PUNCT
fsr-4524	46	10	the	the	DET
fsr-4524	46	11	economics	economic	NOUN
fsr-4524	46	12	of	of	ADP
fsr-4524	46	13	credence	credence	NOUN
fsr-4524	46	14	goods	good	NOUN
fsr-4524	46	15	.	.	PUNCT
fsr-4524	47	1	journal	journal	NOUN
fsr-4524	47	2	of	of	ADP
fsr-4524	47	3	economic	economic	ADJ
fsr-4524	47	4	literature	literature	NOUN
fsr-4524	47	5	,	,	PUNCT
fsr-4524	47	6	44(1	44(1	PROPN
fsr-4524	47	7	)	)	PUNCT
fsr-4524	47	8	,	,	PUNCT
fsr-4524	47	9	5	5	NUM
fsr-4524	47	10	-	-	SYM
fsr-4524	47	11	42	42	NUM
fsr-4524	47	12	.	.	PUNCT
fsr-4524	48	1	koskelainen	koskelainen	NOUN
fsr-4524	48	2	,	,	PUNCT
fsr-4524	48	3	t.	t.	PROPN
fsr-4524	48	4	,	,	PUNCT
fsr-4524	48	5	kalmi	kalmi	PROPN
fsr-4524	48	6	,	,	PUNCT
fsr-4524	48	7	p.	p.	PROPN
fsr-4524	48	8	,	,	PUNCT
fsr-4524	48	9	scornavacca	scornavacca	ADV
fsr-4524	48	10	,	,	PUNCT
fsr-4524	48	11	e.	e.	PROPN
fsr-4524	48	12	&	&	CCONJ
fsr-4524	48	13	vartiainen	vartiainen	PROPN
fsr-4524	48	14	,	,	PUNCT
fsr-4524	48	15	t.	t.	PROPN
fsr-4524	48	16	(	(	PUNCT
fsr-4524	48	17	2023	2023	NUM
fsr-4524	48	18	)	)	PUNCT
fsr-4524	48	19	.	.	PUNCT
fsr-4524	49	1	financial	financial	ADJ
fsr-4524	49	2	literacy	literacy	NOUN
fsr-4524	49	3	in	in	ADP
fsr-4524	49	4	the	the	DET
fsr-4524	49	5	digital	digital	ADJ
fsr-4524	49	6	age	age	NOUN
fsr-4524	49	7	a	a	DET
fsr-4524	49	8	research	research	NOUN
fsr-4524	49	9	agenda	agenda	NOUN
fsr-4524	49	10	.	.	PUNCT
fsr-4524	50	1	journal	journal	NOUN
fsr-4524	50	2	of	of	ADP
fsr-4524	50	3	consumer	consumer	NOUN
fsr-4524	50	4	affairs	affair	NOUN
fsr-4524	50	5	,	,	PUNCT
fsr-4524	50	6	57(1	57(1	NUM
fsr-4524	50	7	)	)	PUNCT
fsr-4524	50	8	,	,	PUNCT
fsr-4524	50	9	507	507	NUM
fsr-4524	50	10	-	-	SYM
fsr-4524	50	11	528	528	NUM
fsr-4524	50	12	.	.	PUNCT
fsr-4524	51	1	macdonald	macdonald	PROPN
fsr-4524	51	2	,	,	PUNCT
fsr-4524	51	3	k.	k.	PROPN
fsr-4524	51	4	l.	l.	PROPN
fsr-4524	51	5	,	,	PUNCT
fsr-4524	51	6	wildman	wildman	PROPN
fsr-4524	51	7	,	,	PUNCT
fsr-4524	51	8	k.	k.	PROPN
fsr-4524	51	9	l.	l.	PROPN
fsr-4524	51	10	,	,	PUNCT
fsr-4524	51	11	loy	loy	PROPN
fsr-4524	51	12	,	,	PUNCT
fsr-4524	51	13	e.	e.	PROPN
fsr-4524	51	14	,	,	PUNCT
fsr-4524	51	15	&	&	CCONJ
fsr-4524	51	16	brimble	brimble	ADJ
fsr-4524	51	17	,	,	PUNCT
fsr-4524	51	18	m.	m.	NOUN
fsr-4524	51	19	(	(	PUNCT
fsr-4524	51	20	2025	2025	NUM
fsr-4524	51	21	)	)	PUNCT
fsr-4524	51	22	.	.	PUNCT
fsr-4524	52	1	the	the	DET
fsr-4524	52	2	value	value	NOUN
fsr-4524	52	3	of	of	ADP
fsr-4524	52	4	financial	financial	ADJ
fsr-4524	52	5	advice	advice	NOUN
fsr-4524	52	6	:	:	PUNCT
fsr-4524	52	7	a	a	DET
fsr-4524	52	8	narrative	narrative	NOUN
fsr-4524	52	9	review	review	NOUN
fsr-4524	52	10	and	and	CCONJ
fsr-4524	52	11	conceptual	conceptual	ADJ
fsr-4524	52	12	frameworks	framework	NOUN
fsr-4524	52	13	.	.	PUNCT
fsr-4524	53	1	financial	financial	ADJ
fsr-4524	53	2	services	service	NOUN
fsr-4524	53	3	review	review	NOUN
fsr-4524	53	4	,	,	PUNCT
fsr-4524	53	5	33(4	33(4	NUM
fsr-4524	53	6	)	)	PUNCT
fsr-4524	53	7	,	,	PUNCT
fsr-4524	53	8	134	134	NUM
fsr-4524	53	9	-	-	SYM
fsr-4524	53	10	163	163	NUM
fsr-4524	53	11	.	.	PUNCT