Our Services
Our Services
Gain practical financial skills through our interactive workshops, designed to empower underserved communities with essential tools for financial independence.
Our interactive workshops cover essential topics such as budgeting, saving, investing, credit management, and debt reduction. Dr. Brenda Oldham tailored these sessions to meet underserved communities' specific needs, empowering participants to take control of their financial futures.
Partnering for impact, we work alongside organizations to develop tailored financial literacy programs that resonate with and empower diverse communities.
We collaborate with organizations to create customized financial literacy curricula that reflect the unique cultural and economic contexts of the communities they serve. Our programs are designed to be relevant, engaging, and accessible to all participants.
Empower your team with financial wellness programs that foster productivity, engagement, and equity in the workplace.
Investing in employee financial wellness leads to a more productive and engaged workforce. We offer tailored programs that help employees understand their financial options, reduce stress, and plan for their future. This aligns with your organization's DEI goals by ensuring all employees have equal access to financial resources.
Gain practical financial skills through our interactive workshops, designed to empower underserved communities with essential tools for financial independence.
Our interactive workshops cover essential topics such as budgeting, saving, investing, credit management, and debt reduction. Dr. Brenda Oldham tailored these sessions to meet underserved communities' specific needs, empowering participants to take control of their financial futures.
Partnering for impact, we work alongside organizations to develop tailored financial literacy programs that resonate with and empower diverse communities.
We collaborate with organizations to create customized financial literacy curricula that reflect the unique cultural and economic contexts of the communities they serve. Our programs are designed to be relevant, engaging, and accessible to all participants.
Empower your team with financial wellness programs that foster productivity, engagement, and equity in the workplace.
Investing in employee financial wellness leads to a more productive and engaged workforce. We offer tailored programs that help employees understand their financial options, reduce stress, and plan for their future. This aligns with your organization's DEI goals by ensuring all employees have equal access to financial resources.
Did you know up to 85% of your Social Security can be taxed?
The good news is that, as a senior, you now have the great advantage of being able to control just how much taxable income you have each year. Through forward tax planning, we can help you plan your retirement and help you choose the right strategies and vehicles for getting the most out of your social security, pension, and investments. We will help you take advantage of your unique situation to help you make the most out of your retirement. Imagine if the next time you had a stock market loss or business loss you were able to convert that into tax-free retirement savings. Our goal is to help you maximize your retirement while minimizing your taxation using every rule in the book.
At RAM Educational Business Solutions you will work with a team of specialists who will help you prepare and execute an estate plan that is right for you and your beneficiaries.
One overlooked aspect of estate planning, other than avoiding taxes, is the fact that Insurance documents and other contracts may supersede the wishes you lay out in your will. Making sure all your beneficiary forms are in order, that you are transferring your assets in the most tax efficient manner, and that you have a continuity plan in place to ensure that your loved ones are taken care of while your estate is making its way through the courts, are all vital pieces of your plan. Give you and your loved ones the peace of mind that comes with knowing that you have a sound financial plan that takes care of them when the time comes.
A Sampling of Companies We Work with:
A Sampling of Companies We Work with:
Bringing financial education to the heart of underserved communities through local partnerships and accessible programs.
We partner with local organizations to bring financial literacy programs directly to underserved communities. Our outreach initiatives are designed to break down barriers to access, ensuring that everyone has the opportunity to improve their financial literacy.
Harnessing data to enhance financial literacy and drive meaningful change in communities.
We believe in the power of data to drive change. Our assessment tools measure the impact of our programs on participants' financial behaviors and outcomes. This allows us to continually refine our services and demonstrate the effectiveness of financial literacy initiatives.
Bringing financial education to the heart of underserved communities through local partnerships and accessible programs.
We partner with local organizations to bring financial literacy programs directly to underserved communities. Our outreach initiatives are designed to break down barriers to access, ensuring that everyone has the opportunity to improve their financial literacy.
Harnessing data to enhance financial literacy and drive meaningful change in communities.
We believe in the power of data to drive change. Our assessment tools measure the impact of our programs on participants' financial behaviors and outcomes. This allows us to continually refine our services and demonstrate the effectiveness of financial literacy initiatives.
If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.
If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support.
This includes personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.
Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.
Personal property coverage is the type of insurance that can help protect the items in your home, like your furniture.
Your belongings are likely worth much more than you might think, and if they're damaged or lost, personal property coverage could help you cover the cost of replacing them. We can also help insure your car, motorcycle, boat, or recreational vehicle.