Dedicated to Providing Quality Services
RAM Insurance and Financial Consulting can offer a variety of services including Retirement and Education Planning strategies, IRA's, Life Insurance, Long Term Care, Medicare Supplements, Mutual Funds and Distribution Strategies.
Brenda Oldham CEO/Owner of RAM Insurance and Financial Consulting has been helping clients address their financial goals for over 23 years. She believes financial planning analysis is a step-by-step process that will help you address your long-term goals. Ms. Oldham has experience providing strategies to financial challenges. Brenda Oldham maintains that though no one can predict the fate of the markets or the economy, you can prepare for the changes that may affect your investments.
Our Commitment
We take a holistic approach to financial planning strategies so we can address your financial concerns. Our clients can count on us to be ethical in our practice, caring of their needs and thorough in our response. Our associates can be assured of fair practice within a positive environment. Our business associates can count on us to stand out from the crowd as an example of excellence within our trade. Our community can expect us to contribute to the good will of all our neighbors.
Helpful Content
Immediate vs. Deferred Annuities
For retirement-minded investors, it's critical to understand the difference between immediate and deferred annuities.
Principles of Preserving Wealth
How federal estate taxes work, and estate management documents and tactics.
Events on Wall Street
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
Critical Estate Documents
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
What to Look for in a Long-Term-Care Policy
Here’s a list of 10 questions to ask that may help you better understand the costs and benefits of long-term care insurance.
To Catch a Thief
Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
Mutual Funds vs. ETFs
Exchange-traded funds have some things in common with mutual funds, but there are differences, too.
Types of Stock Market Analysis
Most stock market analysis falls into three broad groups: Fundamental, technical, and sentimental. Here’s a look at each.
Should You Choose a Fixed or Variable?
When selecting a mortgage, one of the most critical choices is between a fixed or variable interest-rate mortgage.
View all articles
Should I Pay Off Debt or Invest?
This calculator will help determine whether you should consider investing funds or paying down debt.
What Is My Risk Tolerance?
This questionnaire will help determine your tolerance for investment risk.
How Compound Interest Works
Use this calculator to better see the potential impact of compound interest on an asset.
How Much Home Can I Afford?
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
What Is My Current Net Worth?
Use this calculator to estimate your net worth by adding up your assets, and subtracting your liabilities.
Saving for Retirement
This calculator can help you estimate how much you may need to save for retirement.
View all calculators
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
Keys to Investing for Retirement
There are some key concepts to understand when investing for retirement
Tax Management Strategies
Provides an understanding of taxes, tax-favored investing, and tax strategies.
Retirement Plan Distributions
There are a number of ways to withdraw money from a qualified retirement plan.
Long-Term-Care Protection Strategies
The chances of needing long-term care, its cost, and strategies for covering that cost.
5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
View all presentations
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.
The U.S. Credit Downgrade
On Friday, August 5, 2011, S&P lowered its credit rating for the U.S. This may help put the downgrade in perspective.
The Power of Tax-Deferred Growth
Deferring taxes can be a powerful decision. It’s one reason 401(k) plans, annuities, and IRAs are so popular.
Making Your Tax Bracket Work
Being in the 25% marginal income tax bracket doesn't mean the gov't is taking 25% of your income.
The Other Sure Thing
Though we don’t like to think about it, all of us will make an exit sometime, and those we love may suffer if we are not prepared.
Do You Feel Lucky?
Recent changes in estate tax laws could affect the strategy you have in place.