RAM Legacy Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
RAM Legacy Wealth Management is a state-registered investment adviser that serves individuals, trusts, estates, high‑net‑worth clients and retirement plans. The firm offers ongoing asset management and portfolio oversight for individual accounts, ERISA plan consulting for qualified and non‑qualified retirement plans, and standalone financial planning and consulting engagements.
The firm generally provides discretionary portfolio management and may appoint sub‑advisors to manage client accounts, using fundamental and technical analysis and maintaining documented investment policies and risk considerations. For planning and consulting, RAM delivers tailored cash‑flow, retirement, tax and investment plans and offers both hourly and fixed‑fee planning arrangements in addition to asset‑based advisory services.
Notable items in the brochure that distinguish the firm from many peers include its emphasis on limited‑scope ERISA 3(21) fiduciary services for employer retirement plans and an affiliation with an insurance agency, plus the availability of hourly and fixed planning fees rather than only asset‑based billing. The firm’s principal is also engaged in insurance distribution, broker‑dealer activities and financial education work outside the advisory business, and the firm does not act as a private‑fund adviser.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Up to $1,500 depending on complexity of financial planning engagement
$0 - $500,000: 1.85% $500,001 - $1,000,000: 1.70% $1,000,001 - $2,000,000: 1.55% $2,000,001+: Negotiable
Certain Investment Advisor Representatives may also be registered as Registered Representatives offering commission-based securities services.
$350 per hour
Account minimum: $25,000
Main office
141 N. Milford Road, Suite 101
Highland MI 48357
Advisors at this office
1
Most active in
Michigan
Also doing business as
Ram Insurance Agency, LLC · Ram Legacy Wealth Management
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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