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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ram Investment Partners offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Ram Investment Partners charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Ram Investment Partners use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ram Investment Partners have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Ram Investment Partners invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Ram Investment Partners?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ram Investment Partners get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Ram Investment Partners registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Ram Investment Partners?","answer":"Ram Investment Partners’ main office is at 10655 Ne 4th Street, Suite 500, Bellevue, WA 98004. Its phone number is 425-467-1011. 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