Core Principles & Philosophies
As an independent firm, we employ an unbiased, transparent approach to financial planning and an evidence-based investment process.
![](https://ljiwm.com/wp-content/uploads/2019/10/txt-core-planning-1.png)
Have a Financial Plan – make planning a priority
Know Your Number – clarify financial goals
Understand Your Obstacles – long-term behavior matters
![](https://ljiwm.com/wp-content/uploads/2019/10/txt-core-investment-2.png)
Markets are Efficient – focus on what you can control
Passive Investing – lower expenses & reduce taxes
True Diversification – own capitalism globally/11,000+ stocks
Asset Allocation – reduce risk via exposure to fixed income
Embrace Volatility – understand market psychology
![](https://ljiwm.com/wp-content/uploads/2019/10/txt-core-philosophy-2.png)
Stocks Outperform Bonds – equity market premium
Value Outperforms Growth – value premium
Small Companies Outperform Large Companies – size premium
Earnings Matter – profitability premium
Relative Strength – price momentum premium
Short-Term Higher Quality Bonds – lower volatility
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