In this Brochure, we use the terms Avier, us, we, and our to refer to RAM Investment Partners, LLC (dba Avier Wealth Advisors). As discussed in this item, we provide investment advisory services to individuals, families, pension and profit-sharing plans, trusts, corporations and business entities. In this Brochure, we refer to clients or prospective clients as either the client, you or your. Overview, History and Ownership RAM Investment Partners, LLC was founded in January of 2000 by David “Dave” Welty, RAM’s controlling shareholder, and Managing Member. Our main office is located in Bellevue, Washington. As noted on the Cover page, RAM Investment Partners, LLC operates under the trade name Avier Wealth Advisors. Shareholders and Ownership Percentages are listed below: David Keith Welty: 50.% Lars Lee Phillips: 17.5% John Preston Osseward III: 17.5% Nicholas Leo Wright: 13% Aaren N. Strand: 2% Types of Advisory Services Avier offers financial planning and investment advisory services to a wide range of individuals and families, Pension and Profit-sharing Plans, Corporations, and Businesses. We strive:
• to integrate the goals and objectives of our client, using assumptions that they provide, to create a financial plan. This process includes the completion of a risk tolerance/suitability survey and investment election form, as well as a cash needs analysis, which assists us with the selection of an appropriate allocation.
• to give recommendations which focus on attempting to accomplish our client’s goals based on the information you provide.
We are committed to protecting the confidence and trust that our clients have placed in us and upholding our fiduciary responsibility of always placing your best interest before that of our firm and our employees. DESCRIPTION OF ADVISORY SERVICES When providing investment advice, we generally recommend the purchase of various mutual funds and exchange-traded funds/notes (“ETFs” and “ETNs”). In some cases, we may also manage individual stocks or bonds for our clients depending on the particular needs and circumstances of the client. All of our advice is tailored to your individual needs and goals. Through our financial planning process, we develop a customized plan and investment strategy. We are willing to accept direction from clients regarding specific investments and will hold specific securities in a client’s account as requested. We are also willing to report on investments held away from us, as requested. Different fees may apply in these various instances; please refer to Item 5 for additional details. Once you have established a relationship with us, management of your account(s) is done through an interactive process. Depending upon your needs, you are encouraged to meet with your Financial Advisor on a regular basis, whether that is quarterly, semi- annually or annually. If there are any significant changes in your financial situation, needs or investment objectives, please contact us promptly. We provide discretionary advisory services for your assets that are specifically subject to our Investment Management Agreement (the “Agreement”). You may place investment restrictions and guidelines on your account(s), with Schedule A of our Agreement being used for this particular purpose. All of our portfolios are invested primarily in open-ended mutual funds and ETFs/ETNs. On occasion, a closed-end mutual fund, ETN, or other appropriate investment may be purchased. You may also transfer legacy holdings into your account. You, along with your Financial Advisor, will decide how those assets will be integrated in the structure of the portfolio that we will manage for you. Based on our analysis and determination of the appropriate investment strategy or strategies, we may also engage on your behalf, unaffiliated third-party managers (“sub-advisers”) to manage a portion

or all of your assets. Sub-adviser fees will be paid from the total fee you pay to Avier. Before we select a sub-adviser to act as an advisor for our client accounts, we confirm the manager is registered as an investment advisor in their home state jurisdiction or with the Securities and Exchange Commission. For held-away assets, we offer the ability to incorporate those holdings in your asset allocation strategy. Held-away assets are defined as those assets held at custodians with whom Avier does not have a contractual or custodial relationship, including any employer’s retirement plans. We do not have discretionary authority on these held- away assets, so it is your responsibility to implement any of our recommendations in these accounts. Failure to implement these recommendations could have a significant negative impact on your total portfolio. Transactional and historical data on these assets can be downloaded through a secure connection with a third-party provider and can be integrated into our current portfolio management software. See Item 5 for an explanation of the additional management fees charged for this service. For a very small number of qualified clients, we may advise on the sub-accounts in a variable life annuity product or in a variable universal life insurance policy offered by unaffiliated national life insurance companies via a limited power of attorney assigned to the client’s variable annuity or variable universal life insurance policy. Other than the standard management fees related to the value of these assets, as indicated in Item 5, we do not charge or receive any other compensation for advising on these sub- account assets. While all of these processes may assist you in making decisions as to investment strategy, amount to invest, or investment pattern, it is not a substitute for expert assistance in the tax or legal fields. DESCRIPTION OF FINANCIAL PLANNING SERVICES Clients who desire financial planning services are provided a written plan that includes a personal balance sheet and certain projections. All reports, financial statement projections and analyses are intended exclusively for our clients’ use in developing and implementing the financial plan. In view of this limited purpose, they should not be considered complete financial statements. Accordingly, you should understand that such documents cannot be used to obtain credit or for any purpose other than developing your personal financial plan. In addition, any financial planning is based solely on the accuracy and completeness of the information you provide and any projections or other information generated during the financial planning process are hypothetical in nature, do not reflect actual investment results and do not guarantee any future results. Projected and actual results will likely be different because events and circumstances frequently do not occur as expected; such differences may be material. During the financial planning process, you will receive additional disclosures about projected returns and the underlying assumptions. Typically, there are not any separate fees charged for financial planning services but are included in the investment management fees paid as stated in Item 5. Analysis and Assumptions Our analysis will be highly dependent on certain economic assumptions that are made about the future. Therefore, another important step in our process is educating you regarding historical data and key assumptions such as inflation and investment rates of return, as well as an understanding of how significantly these assumptions affect the results of our analysis. We cannot guarantee the reasonableness or accuracy of such assumptions. Assets under Management: As of December 31, 2023, we were actively managing approximately $639,607,000of client assets on a discretionary basis and $146,373,000 on a non-discretionary basis.