Brenda Oldham is a graduate of the University of Michigan where she majored in Accounting. She received her Masters of Science Degree from Central Michigan University. Brenda has been working in the financial industry for 28 years. Brenda serves as a board member for the Women in Financial Services Board. RAM Insurance Agency & Financial Services was formed in 2001. Dr. Brenda is a speaker for the society of financial awareness and offers financial literacy education workshops. She is also a graduate of a national financial educator council and earned the Certified Financial Educator Instructor designation (CFEI). Dr. Brenda Oldham educates her community, organizations, and companies on a variety of financial literacy education topics. Brenda seeks to provide the "best client experience in the world." Her personal philosophy: "It's about relationships, not transactions."