Epoch’s investment philosophy is geared toward longevity. Portfolios are tailored around the client’s taxable considerations, trust and estate issues, and/or concentrated security holding(s). Where feasible, we incorporate an asset class-based investment approach where portfolios are allocated toward those asset classes with the highest projected risk-adjusted returns across the global spectrum for the next three years. Epoch does not try to predict the future. We focus on implementing investment strategies that are appropriate for our clients’ objectives and goals, and we adjust the portfolios in response to changes in their lives — not in response to fear-based predictions.