# EDGAR Filing Document

**Accession Number:** 0002014443
**File Stem:** 0002014443-26-000003
**Filing Date:** 2026-3
**Character Count:** 2352
**Document Hash:** f3ded3e8b50cfe6f8c527d8f0addea70
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002014443-26-000003.hdr.sgml**: 20260320

**ACCESSION NUMBER**: 0002014443-26-000003

**CONFORMED SUBMISSION TYPE**: X-17A-5

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260320

**DATE AS OF CHANGE**: 20260320

**EFFECTIVENESS DATE**: 20260320

**PERIOD START**: 20250101

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RAM FINANCIAL LLC
- **CENTRAL INDEX KEY:** 0002014443

**ORGANIZATION NAME:**
- **EIN:** 991357140
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** X-17A-5
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 008-71221
- **FILM NUMBER:** 26777113

**BUSINESS ADDRESS:**
- **STREET 1:** 1420 WASHINGTON BLVD
- **STREET 2:** 6TH FLOOR
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48226
- **BUSINESS PHONE:** 888-521-8858

**MAIL ADDRESS:**
- **STREET 1:** 1420 WASHINGTON BLVD
- **STREET 2:** 6TH FLOOR
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48226

### Attached PDF Documents

**Attachment 1:** `FINALRamAudit2025_1.pdf`

_No text found in this document._

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM X-17A-5

### ANNUAL AUDITED REPORT

### Filer Information

**Filer CIK:** 0002014443

**Filer CCC:** XXXXXXXX

**Is this a LIVE or TEST filing?:** LIVE

**Would you like a Return Copy?:** No

### Submission Information

**Report Period Begin Date:** 01-01-2025

**Report Period End Date:** 12-31-2025

**Type of Registrant:** Broker-dealer

**Any material weaknesses identified?:** Yes

### Registrant Identification

**Name of Broker-Dealer:** RAM FINANCIAL LLC

**Business Address:** 1420 WASHINGTON BLVD, 6TH FLOOR, DETROIT, MI, 48226

**Contact Person:** Richard Ernest Onesto

**Contact Phone:** 3478536534

### Independent Public Accountant Identification

**Accountant Name:** LMHS, P.C.

**Accountant Address:** 800 Washington Street Building S, Norwell, MA, 02061

**Accountant Type:** Certified Public Accountant

### OATH OR AFFIRMATION

I, **Richard Onesto**, swear (or affirm) that, to the best of my knowledge and belief, the accompanying financial statements and supporting schedules pertaining to the firm of **RAM FINANCIAL LLC**, as of **12-31-2025**, are true and correct.

**Signature:** Richard Onesto

**Title:** FINOP