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The recipient of a BS in finance and economics from the University of Missouri, Demos Argyros serves as a senior partner with The Aletheia Private Client Group, where he manages the OMEGA portfolio and oversees business development, recruiting, and wealth management services. Demos Argyros brings decades of experience to his role as managing director at Oppenheimer & Co. Inc. in Clayton, Missouri, where he provides investment advice to high-net-worth individuals and institutions.

An affiliate of Oppenheimer & Co. Inc., Oppenheimer Investment Management (OIM) is a full-service investment bank that assists institutional investors in managing and building their wealth through its proprietary investment strategy, which capitalizes on "market inefficiencies" and current trends during the security selection process. Fixed income securities are a vital component of OIM's investment portfolios.

OIM's fixed income investment strategy emphasizes the generation of risk-adjusted excess returns. Fixed income securities, including bonds, are intended to produce returns comparable to a benchmark or index. At OIM, the objective is to surpass benchmark returns by carefully selecting individual securities, adjusting holding periods, avoiding unnecessary risk, and closely monitoring portfolio risk factors. OIM's portfolio management team focuses on taxable municipal bonds, mortgage-backed securities, investment-grade corporate bonds, and U.S. Government Treasuries.

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How Oppenheimer Vets Fixed Income Securities

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The recipient of a BS in finance and economics from the University of Missouri, Demos Argyros serves as a senior partner with The Aletheia Private Client Group, where he manages the OMEGA portfolio...

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Demos Argyros, a member of the chairman's council for many years, is the managing director of Oppenheimer & Co.(Op&Co). Based in Saint Louis, Demos Argyros is also a senior partner at The Aletheia Private Client Group. Both companies offer financial advice, focusing on high net-worth individuals through the Private Client Division at Op&Co and private banking services.

Under the auspices of the broader financial advice and wealth management financial firm, private banking provides banking services to high-net-worth individuals, families, corporations, charities, and endowments. Depending on the firm, private banking advisers work through the firm's branches like asset management, trust management division, capital markets group, and retirement planning group, usually with exclusive hosting.

Private banking typically assists individuals with substantial amounts of cash and assets, mostly set at six figures. Private bankers train to protect and maintain the client's financial assets besides retirement and accumulated structure plans and investment-related advice. In return, the clients enjoy individualized attendance, higher rates on currency conversions, and direct access to the lead advisors without queueing. However, the banks also impose higher rates on lending facilities like mortgages and business loans.

Accessing private banking clients occurs through referrals from other high-net-worth individuals, accompanied by bank invitations. Pursuing clients also happens during normal lending activities, which enables access to tax returns and personal information.

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About Private Banking Services to High-Worth Individuals

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Demos Argyros, a member of the chairman's council for many years, is the managing director of Oppenheimer & Co.(Op&Co). Based in Saint Louis, Demos Argyros is also a senior partner at The Aletheia...

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​Investment management outsourcing is the hiring of an external professional manager to handle the investment of an individual or organization. The provider offers pre-built investment strategies selected based on their expertise, ongoing due diligence, and portfolio guidance for high-net-worth clients. Outsourcing investment management services can benefit financial advisors in several ways, such as through their professional expertise.

Outsourcing investment management services grants advisors access to experienced professionals with in-depth market knowledge. These experts can help analyze the market, select appropriate investment products, and create portfolios that meet individual investors' and organizations' goals. Partnering with external investment managers can also offer advisors insights into quality investment ideas and help adopt industry best practices and innovation, allowing them to stand out from the competition.

By outsourcing investment management services, advisors can focus on delivering personalized services clients want. While self-directed financial management tools can provide clients access to information and resources, advisors can provide additional value by offering expert guidance on wealth management, individualized support, and the help to navigate uncertain markets.

Advisors can also save time and focus on providing full-service financial planning for their clients by hiring investment management firms. They can use this extra time to seek new business opportunities, create stronger client relationships, handle other aspects of the business, or spend it with their family.

Hiring investment management professionals can also help advisors lower costs and improve efficiency by providing specialized services that would otherwise require expensive in-house teams. This approach helps them save money on salaries, office space, and administrative costs of hiring new staff. In addition, outsourcing investment management services allows financial advisors to benefit from economies of scale, as they can negotiate better terms and lower costs from different providers.

Investment management firms also offer access to various investment products, like mutual funds, bonds, stocks, and alternative investments, which financial advisors can use to mitigate risk and increase returns. Working with these professionals offers an extra layer of expertise, oversight, and regulatory compliance, which reduces investment risks. Moreover, experienced administrators may provide advisors with additional investment options and strategies that lead to higher returns.

Financial advisors who outsource their investment management services can enjoy better work-life balance since they no longer have to manage investments independently. Outsourcing to an external firm can also provide an added level of objectivity in investment decision-making, helping to mitigate the risk of emotionally-driven decisions that could lead to unfavorable financial outcomes. By offering an impartial and rational approach to investing, financial advisors can feel more confident that their clients' investments are being managed in the best interests of all parties involved.

Outsourcing may also help financial advisors who consider company succession planning since it allows them to broaden the scope of their practice and establish sustainable systems that they can share with new employees or pass on to other advisers. These practices can add value to the business and attract potential buyers, as it demonstrates a well-organized and efficient system for managing investments.

When outsourcing investment management services, financial advisors should choose an outsourcer that meets their specific needs and goals. Advisors should clearly communicate their level of involvement and preferences and conduct research to identify gaps in their knowledge or understanding. By selecting the right outsourcer and building strong relationships, they can maximize the benefits of outsourcing investment management services.

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Benefits of Outsourcing Investment Management Services

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​Investment management outsourcing is the hiring of an external professional manager to handle the investment of an individual or organization. The provider offers pre-built investment strategies...

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​Based in Saint Louis, Missouri, Demos Argyros delivers client-centered services as a member of the Aletheia Private Client Group at Oppenheimer & Co., Inc. One of Demos Argyros' areas of focus is retirement planning. He knows the role that real estate plays within a diversified portfolio.

For many families, their primary residence represents their largest single asset. Depending on mortgage dynamics in play, the home sale is one way to raise capital for other needs, such as health care and assisted care living. A major tax benefit of selling a home is that $500,000 is tax-free, in addition to what was paid for the home. If the home was purchased for $400,000 and sold for $1.2 million, $900,000 of the total price attained ($400,000 + $500,000) is considered non-taxable, with only $300,000 liable for taxes.

Other uses of real property in retirement include renting homes or units to generate recurring incoming. Because setting up a rent structure, finding tenants, and complying with state housing regulations can be complex, so working with a property management company typically makes sense.

For those who view real estate in investment terms, placing a portion of capital in real estate investment trusts (REIT) presents a diversification strategy. REITs function much like mutual funds except that properties are grouped together instead of company stocks. Remember that REITs have specific tax considerations, including a requirement that 90 percent or more of income be paid as dividends. In addition, some REIT vehicles, such as those involving mortgage investments, have high-risk profiles. For retirement purposes, limiting holdings to equity REITs or investments with actual properties as the basis may make sense.

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Real Estate as Part of a Retirement Planning Strategy

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​Based in Saint Louis, Missouri, Demos Argyros delivers client-centered services as a member of the Aletheia Private Client Group at Oppenheimer & Co., Inc. One of Demos Argyros' areas of focus...

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Based in Saint Louis, Missouri, Demos Argyros leads an Oppenheimer & Co. Inc. office and provides financial services as a member of The Aletheia Private Client Group. Among Demos Argyros' areas of focus is working to ensure a consistent rate of return on retirement investments.

Defining a realistic return rate scenario begins with the nominal rate of return as a starting point, or the overall returns delivered, with no other factors considered. A fund may historically have a 10 percent rate of nominal returns. However, this does not take into account a management fee of around half a percent and interest rates of, for example, six percent. With these factored in, an account of $100,000 would yield a real return of $3,500, with inflation perhaps taking the rest.

In addition, holdings other than those in Roth IRA accounts require taxes to be paid upon distribution. These are assessed at 10 to 37 percent of the total, depending on income and tax bracket. It's important to keep in mind that investments parked in higher risk equities may witness fluctuations that bring the total returns even lower. Even the S&P 500 and other historically stable, lower risk indexes experience fluctuating returns. For these and other reasons, it's recommended to consult regularly with an experienced advisor on allocation pathways that help mitigate these risks, while delivering the maximum returns.

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Factors That Impact Retirement Investing Rates of Returns

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Based in Saint Louis, Missouri, Demos Argyros leads an Oppenheimer & Co. Inc. office and provides financial services as a member of The Aletheia Private Client Group. Among Demos Argyros' areas of...

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Navigating the Various Stages of Career and Life

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Navigating the Various Stages of Career and Life

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St. Louis, Missouri, financial executive Demos Argyros serves as managing director of investments and branch leader at Oppenheimer & Co., and is active with the Aletheia Private Client Group. Demos Argyros emphasizes the importance of shifting portfolio strategies through the various stages of career and life.