We Offer More Than Standard Financial Services:

At RAM Insurance & Financial Services and RAM Legacy Wealth Management, we believe financial planning is about more than investments. It is about understanding where you are today, where you want to go, and creating a strategy to help you get there. Wealth Management & Investment Advisory
Through RAM Legacy Wealth Management, we provide personalized investment advisory and wealth management services designed around your goals, risk tolerance, time horizon, and financial priorities.

Retirement Planning
Whether retirement is years away or right around the corner, we help clients develop strategies for retirement income, investments, Social Security considerations, IRA and 401(k) rollovers, and long-term financial security.

401(k) & Employer Retirement Plans
We work with businesses and organizations to strengthen their retirement programs through plan education, investment guidance, fiduciary support, participant education, and ongoing plan review.

Insurance & Protection Strategies
Through RAM Insurance & Financial Services, we help individuals, families, and businesses evaluate insurance solutions designed to protect income, assets, loved ones, and financial goals.

Estate & Legacy Planning Education
We help clients understand the financial side of preparing and organizing their legacy, including beneficiary planning, asset organization, wealth-transfer considerations, and estate-planning education. When legal advice or legal documents are needed, clients should work with a qualified attorney.

Financial Education & Wellness
Education is at the heart of what we do. Dr. Oldham provides financial wellness programs, workshops, and educational resources that help individuals and organizations make more informed financial decisions.

We provide Insurance such as: health insurance, disability income insurance, Long Term Care insurance, critical illness plans. Retirement services and products include 401(k) plans, 401(k) rollovers, pension plans, annuities, mutual funds, Roth IRA's, Traditional, IRA's. You have a busy life and need a financial professional who will make the financial analysis process as simple as possible. Our goal is to help you take care of the important financial decisions so that you can concentrate on your family, business and other activities. With that in mind, we have assembled a strong group of associated professionals who can help you address all of the following: