RJTA

Rhodes-Joseph & Tobiason Advisors, LLC provides employee benefit coaching services and is majority owned and managed by its founder, Donna Joseph, Managing Director and CEO.  Pete Tobiason, co-founder of the firm, is its Managing Director and President.

We use our proven team approach to help our clients meet  the challenges of employee benefits.

Donna Joseph leads the team and is the firm's founder, CEO and majority owner. 

Pete Tobiason is the firm's co-founder and President. 

TERMS and CONDITIONS

For use of the websites of Rhodes-Joseph & Tobiason Advisors, LLC

By using the websites of Rhodes-Joseph & Tobiason Advisors, LLC (each of which is referred to in these Terms and Conditions as the "Site"), you signify your agreement to these terms of use.  If you do not agree to these terms of use, please do not use the Site.  Rhodes-Joseph & Tobiason Advisors, LLC ("Rhodes-Joseph & Tobiason", "we", "us", or "our") reserve the right, at our discretion, to change, modify, add, or remove portions of these terms at any time.  All materials contained in the Site are the copyrighted property of Rhodes-Joseph & Tobiason.  All trademarks, service marks, and trade names are proprietary to Rhodes-Joseph & Tobiason. 

At Rhodes-Joseph & Tobiason, we value our clients' privacy and recognize the trust our clients place in us.  We are committed to protecting personal information and data and adhere to the highest ethical standards in processing that information and data.  Except as we explicitly state at the time we request information, we do not disclose the information to any third-party. 

The Site and the content of the Site consist of general information of interest to our clients and prospective clients or members of the general public.  This content should be viewed and used solely for informational purposes. 

Rhodes-Joseph & Tobiason is an employee benefits coaching company which does not provide or engage in the practice of accounting, actuarial, brokerage, consulting, investment, legal or tax services.  Neither the Site nor the content of the Site constitutes the rendering of accounting, actuarial, brokerage,  investment, legal, tax, advisory, consulting or any other type of professional advice or establishes any business or professional relationship between Rhodes-Joseph & Tobiason and any person or entity.  The accuracy, completeness, adequacy or current applicability of the Site or its content is not warranted or guaranteed. 

Rhodes-Joseph & Tobiason Advisors, LLC shall in no event be held liable for any loss or other damages, including but not limited to special, incidental, consequential, or other damages or for any errors in the site or the content of the site or any actions taken in reliance thereon. As required by U.S. Treasury rules, Rhodes-Joseph & Tobiason Advisors inform you that, unless expressly stated otherwise, any U.S. Federal tax advice contained in this site and the content of the site is not intended or written to be used and cannot be used by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service.  As always, the advice of a competent legal, tax, accounting or other professional should be sought.  

Your use of the Site and its content or materials linked from the Site is at your own risk.

Notices

©Copyright  2008-2015  Rhodes-Joseph & Tobiason Advisors, LLC.  All rights reserved.

Unauthorized reproduction, distribution or exhibition of this copyrighted material is strictly prohibited. 

Contact us 

Managing Benefits™ is the employee benefits strategic leadership and management system and products, services and publications from Rhodes-Joseph & Tobiason Advisors, LLC that help transform benefits programs and benefits professionals’ careers using an integrated system of tools and techniques for managing employee benefits. 

Managing Benefits™, Managing Benefits Alert™, Managing Benefits Checklist™, Managing Benefits Consultation™, Managing Benefits Now™, Managing Benefits Reminder™, Managing Benefits Resources™, and Grow Your Benefits Career™ are trademarks of Rhodes-Joseph & Tobiason Advisors, LLC.

Our Satisfaction Guarantee

We stand behind our products.  Please be sure to read the terms of our Satisfaction Guarantee as applicable to each of our product categories.

For our eBooks (those purchased directly from us, not through or from third parties), recorded programs and other products delivered electronically:

You can request a full refund within 30 days and you will receive a full refund.  You may keep the products but, in addition to any other terms, conditions and restrictions which may apply to your use of the products, you may not re-sell, copy or further distribute the products.

For eBooks purchased through or from third parties, any warranties and guarantees of the third party shall apply.

For our coaching services:

If, after your first coaching session, you’re not satisfied for any reason, you may, within 10 days, cancel the package and receive a full refund. Thereafter, any remaining sessions of the package can be cancelled by you at any time and your prorated payment for the remaining future sessions will be returned.

For our tele-seminars:

While we are convinced you will receive valuable content worth far in excess of your investment in the tele-seminar series, you can request a full refund of your registration fee at any time, and you will receive a prompt refund. You may keep any program materials delivered electronically but, in addition to any other terms, conditions and restrictions which may apply to your use of the materials, you may not re-sell, copy or further distribute the materials.

For our in-person events:

We produce various in person events. The terms of our Satisfaction Guarantee applicable for each of our in-person events will be posted in any event announcements and brochures.

For our membership and subscription products:

We produce various membership and subscription services. The terms of our Satisfaction Guarantee applicable for each of our membership and subscription services will be posted in any membership and subscription services announcements and brochures.

For our physical products (printed books, CD’s) purchased directly from us and not through or from third parties:

Products may be returned within 30 days for a full refund, excluding all shipping, packaging and handling expenses. 

For physical products (printed books, CD's) not purchased directly from us but through or from third parties, any warranties or guarantees of the third party shall apply.

In the case of any differences between the terms and conditions of our Satisfaction Guarantee as stated here and as may be stated in connection with any specific product or service, the latter terms and conditions will govern.