{"id":"W2617116989","doi":"10.1111/jofi.12514","title":"Retail Financial Advice: Does One Size Fit All?","year":2017,"lang":"en","type":"article","venue":"The Journal of Finance","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":297,"is_retracted":false,"has_abstract":true,"ca_institutions":"Western University","funders":"","keywords":"Asset allocation; Sophistication; Portfolio; Advice (programming); Business; Finance; Asset (computer security); Actuarial science; Personalization; Investment (military); Economics; Set (abstract data type); Marketing; Computer science","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003790861,0.0001927399,0.0009143169,0.000948441,0.001656221,0.003278999,0.001613679,0.001223173,0.009429023],"category_scores_gemma":[0.03686661,0.0001799432,0.0003815639,0.002600642,0.001924827,0.002374979,0.000893389,0.001436561,0.0007357996],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00874667,"about_ca_system_score_gemma":0.00988932,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.775259,"about_ca_topic_score_gemma":0.8518016,"domain_scores_codex":[0.9971927,0.0005780922,0.0001079259,0.0003659184,0.001138004,0.0006173587],"domain_scores_gemma":[0.9804596,0.007634784,0.004434556,0.001143829,0.003289303,0.003037901],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000333625,0.0001903412,0.8423007,0.0001378615,0.0001604403,0.0002221377,0.003337394,0.0006388164,0.0001160462,0.007189063,0.02032776,0.1250459],"study_design_scores_gemma":[0.00004877596,0.0001188052,0.9448124,0.0004855896,0.0002545768,0.0001947915,0.01522259,0.004742537,0.0002480471,0.007296978,0.02651169,0.00006327871],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9171299,0.003039652,0.001343615,0.03896265,0.0001405794,0.00009138766,0.002742137,0.00008214279,0.03646787],"genre_scores_gemma":[0.9973457,0.0003125636,0.0002651977,0.0008395541,0.00002765902,0.000004832043,0.0002227437,0.0000124252,0.0009692673],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.775259,"threshold_uncertainty_score":0.452129,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0268941732333889,"score_gpt":0.252036704549119,"score_spread":0.2251425313157301,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}