Ram & Oak Investment Partners is an Ohio-based, fee-only fiduciary registered investment adviser serving families in Beavercreek, Dayton, Columbus, and throughout the state, in person or by video. Founded by Kevin O’Connor and Ian Bartram, the firm works with people in their 50s, 60s, and 70s who are approaching retirement and managing assets across multiple accounts. Its services bring investment management, tax strategy, and financial planning together under one relationship and a standard all-in annual fee of 1% of assets under management, with no commissions or hidden fees; complex cases may be negotiable.

Client assets are held in their names at Charles Schwab. The firm builds investment plans around clients’ lives and coordinates tax planning and, when appropriate, tax return preparation and filing through an IRS Enrolled Agent. Planning also addresses retirement income, withdrawal order, Social Security, Medicare costs, beneficiaries, and preparing spouses and heirs to manage wealth.

Ram & Oak offers a free fee audit, an educational guide, and an introductory consultation, with no obligation to become a client