Ram Investment Partners provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 500 clients last fiscal year.
Ram Investment Partners reports 583 clients. They include 302 individual clients and 281 high-net-worth individuals. Of its assets, 79.9% ($948M across 2,029 accounts) are managed with discretion; $239M across 579 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 52% | 17% |
| High-net-worth individuals | 48% | 83% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 302 | $206M | 17.4% | $683K |
| High-net-worth individuals | 281 | $981M | 82.6% | $3.49M |
| Total | 583 | $1.19B | 100% | $2.04M |
- Clients
- 302
- Regulatory AUM
- $206M
- AUM share
- 17.4%
- Avg. per client
- $683K
- Clients
- 281
- Regulatory AUM
- $981M
- AUM share
- 82.6%
- Avg. per client
- $3.49M
Total
- Clients
- 583
- Regulatory AUM
- $1.19B
- AUM share
- 100%
- Avg. per client
- $2.04M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 500
Ram Investment Partners charges 0.30%–1.00% a year for its Standard Fee Schedule. The fee is billed in advance and has a $10,000 annual minimum.
Fee details and sources
Retirement Asset Management, LLC owns 75% or more of Ram Investment Partners. The leadership team of Ram Investment Partners includes Chief Operating Officer John Osseward. It has 20 employees, 16 of them in advisory roles.
Leadership
- John OssewardChief Operating Officer/Chief Compliance Officer
- David WeltyCo-Manager / Managing Director
- Lars PhillipsMember
- Nicholas WrightMember
- Aaren StrandPartner
Investment adviser representatives
16 representatives listed in the SEC register as of 9 October 2026.
- Kaitlynn Ann Marie Burnett
- Alexander James Castaneda
- Raphael Luis Capili De Ocampo
- Marisol B Fung
- Courtney Sloane Gehrmann
- Saloni Gupta
- Alexander Ostergard Krider
- John Preston Osseward
- Lars Lee Phillips
- Tiffany Chiang Stoner
- Aaren N Strand
- Samantha Viviane Torres
- Katelynn Anne Toth
- David Keith Welty
- Madison Williams
- Nicholas Leo Wright
Staff
- 20 employees
- 16 in advisory functions
- 14 state-registered reps
- 1 soliciting firm
- Owns 75% or more of Ram Investment Partners, LLC
Retirement Asset Management, LLC
Control person · since January 2012
- Owns 75% or more of Ram Investment Partners, LLC
Retirement Asset Management,
Control person · since January 2012
- Owns 25% to 50% of Ram Investment Partners, LLC
David Welty
Control person · since January 2012
- Owns 10% to 25% of Ram Investment Partners, LLC
John Osseward
Control person · since August 2018
- Owns 10% to 25% of Ram Investment Partners, LLC
Lars Phillips
Control person · since November 2019
- Owns 10% to 25% of Ram Investment Partners, LLC
Nicholas Wright
Control person · since January 2023
- Owns 10% to 25% of Ram Investment Partners, LLC
Aaren Strand
Control person · since January 2024
Ram Investment Partners’ regulatory assets grew 2.2× from $532M (June 2021) to $1.19B (March 2026); clients rose from 490 to 583 and employees from 12 to 20.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $1.19B | 583 | 20 | 2 |
| March 2025 | $964M | 577 | 19 | 2 |
| May 2024 | $786M | 553 | 18 | 11 |
| August 2023 | $641M | 546 | 16 | 11 |
| April 2022 | $671M | 516 | 15 | 13 |
| June 2021 | $532M | 490 | 12 | 11 |
Besides its headquarters, Ram Investment Partners has 1 office, with 2 listed addresses in Oregon and Washington.
Oregon · 1 listed address
- 5200 Meadows Road, Lake Oswego
Washington · 1 listed address
- 10655 Ne 4th Street, Suite 500, BellevueHQ
Contact and registration details
- Legal name
- Ram Investment Partners, LLC
- Headquarters
- 10655 Ne 4th Street, Suite 500, Bellevue, WA 98004
- Website
- avieradvisors.com
- Phone
- 425-467-1011
- @avierwealthadvisors
- SEC file
- 801-73301
- Founded
- 2000
- Structure
- Washington LLC
- Fiscal year end
- December
Ram Investment Partners uses Charles Schwab ($534M, 57%) and Fidelity ($400M, 43%) as custodians for its separately managed accounts. Ram Investment Partners has custody of $4.64M in client assets for 87 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $534M57%
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $400M43%
At year end, Ram Investment Partners’ separately managed accounts were mostly in funds (83%) and stocks (14%). Its reported 13F holdings for the quarter ended 30 June 2026 total $625M across 127 positions; the largest are Dimensional ETF Trust (19.2%), Dimensional ETF Trust (12.8%) and Pimco ETF TR (8.7%).
What the accounts hold
- Stocks14%
- Funds83%
- Registered funds81%
- Pooled vehicles2%
- Cash3%
Reported 13F holdings
- $625M
- Reported 13F value
- 127
- Positions
- 77.5%
- In the 10 largest
- +9.8%
- Value vs. prior quarter
- Dimensional ETF Trust · US Cor Equ 2 ETF19.2%
- Dimensional ETF Trust · Intl Core EQT MK12.8%
- Pimco ETF TR · Inv Grd Crp BD8.7%
- Dimensional ETF Trust · Emgr Cre EQT Mng8.5%
- Dimensional ETF Trust · Shor Dur Fix ETF7.7%
- Microsoft Corp.6.7%
- Dimensional ETF Trust · US Real Esta ETF6.1%
- Dimensional ETF Trust · Natl Mun BD ETF4.5%
- Amazon Com Inc.1.7%
- Nvidia Corporation1.5%
Together, the ten largest are 77.5% of reported value.
How many clients does Ram Investment Partners have?
Ram Investment Partners has 583 clients and manages $1.19 billion for them, as of March 2026. They include 302 individual clients and 281 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026
What services does Ram Investment Partners offer?
Ram Investment Partners provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Ram Investment Partners charge?
Ram Investment Partners charges 0.30%–1.00% a year for its Standard Fee Schedule. The fee is billed in advance and has a $10,000 annual minimum.
Source: AVIER WEALTH ADVISORS ADV PART 2 03.17.2026, filed 24 March 2026
Which custodians does Ram Investment Partners use?
Ram Investment Partners’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $534M and Fidelity Brokerage Services LLC (Smithfield, RI), with $400M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026
How many financial advisors does Ram Investment Partners have?
Ram Investment Partners has 14 investment adviser representatives registered with state securities authorities, out of 20 employees, and 16 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Ram Investment Partners invest in?
At the end of its last fiscal year, Ram Investment Partners’ separately managed accounts held 81% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 3% cash and equivalents and 2% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Ram Investment Partners?
Ram Investment Partners’ direct owners are David Welty (25% to 50%), Retirement Asset Management, LLC (75% or more), Retirement Asset Management (75% or more), John Osseward (10% to 25%), Lars Phillips (10% to 25%), Nicholas Wright (10% to 25%) and Aaren Strand (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 24 March 2026
How does Ram Investment Partners get paid?
Ram Investment Partners is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Ram Investment Partners registered with the SEC?
Yes, Ram Investment Partners has been registered with the SEC as an investment adviser since 14 March 2012. Its CRD number is 161077 and its SEC file number is 801-73301.
Source: Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record
How do I contact Ram Investment Partners?
Ram Investment Partners’ main office is at 10655 Ne 4th Street, Suite 500, Bellevue, WA 98004. Its phone number is 425-467-1011. Its website is avieradvisors.com.