RAM Legacy Wealth Management is a registered investment advisor based in Highland, Michigan, owned and operated by Dr. Brenda Oldham. RAM Legacy Wealth Management offers personalized investment management, comprehensive financial planning, and consulting services to individuals, families, trusts, and estates. Investment portfolios are managed on a discretionary basis, tailoring strategies to each client's specific goals, risk tolerance, and time horizon. In addition to personal wealth management, RAM Legacy Wealth Management provides fiduciary retirement plan consulting services for qualified and non-qualified plans. The firm uses a combination of fundamental and technical analysis to construct diversified portfolios using exchange-traded funds, mutual funds, and individual equities, keeping risk management as a central focus. RAM Legacy Wealth Management also assists clients with cash flow analysis, retirement strategies, long-term investment planning, and tax reduction strategies.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.85% |
| $500K - $1.0M | 1.70% |
| $1.0M - $2.0M | 1.55% |
| $2M+ | 1.55% |
Fees for assets over $2,000,000 are negotiable. Fees are billed monthly in arrears based on average daily balance.