Terms of Use

Effective Date: November 8, 2026

Welcome to RTB Financial Group & Insurance Services, LLC (dba RTB Advisors). By accessing or using our website, www.rtbadvisors.com (the "Website"), you agree to these Terms of Use. Please read them carefully.

These Terms govern your use of the Website, including its informational content, educational resources, contact forms, appointment scheduling features, and links to third-party websites.

If you do not agree with these Terms, please discontinue use of the Website.

1. About RTB Advisors

RTB Advisors is a boutique financial services firm based in McKinney, Texas, specializing in pension and retirement plan design, fixed financial and insurance solutions, risk management, employee benefits, and business and executive planning.

We work with entrepreneurs, business owners, professionals, and families to explore strategies that align with their financial objectives and long-term goals.

Our services are offered subject to applicable federal and state laws, professional licensing requirements, product availability, and individual eligibility.

2. Informational and Educational Purposes

Information provided on this Website is intended for general informational and educational purposes.

Although we strive to provide accurate, relevant, and timely information, Website content should not be interpreted as individualized financial, investment, tax, legal, insurance, or retirement planning advice.

Information presented may not account for your specific financial circumstances, business structure, risk tolerance, objectives, or other relevant considerations.

Before implementing a strategy or making a financial decision, we encourage you to consult appropriately qualified professionals who can evaluate your individual circumstances.

Nothing on this Website constitutes a recommendation to purchase, sell, or enter into any particular financial or insurance product or arrangement.

3. No Client Relationship Established

Accessing this Website, downloading educational materials, submitting an inquiry, or scheduling an appointment does not establish a client, advisory, fiduciary, or other professional relationship with RTB Advisors.

A professional relationship is established only when mutually agreed upon and documented as appropriate for the services being provided.

Any recommendations, services, or product arrangements are subject to additional discussions, required disclosures, applicable agreements, and eligibility requirements.

4. Pension and Retirement Plan Information

RTB Advisors specializes in pension and retirement plan strategies, including cash balance plans, defined benefit pension plans, and 401(k) profit-sharing arrangements.

Information about these strategies is provided for educational purposes and should not be considered a guarantee of tax savings, contribution eligibility, retirement outcomes, or other financial benefits.

Plan suitability, contribution limits, funding requirements, tax treatment, and administrative obligations depend on factors including business profitability, employee demographics, compensation, applicable regulations, and individual circumstances.

Pension and retirement plan arrangements may require coordination with third-party administrators, actuaries, accountants, attorneys, and other qualified professionals.

RTB Advisors does not provide legal or tax advice through this Website.

5. Insurance and Fixed Financial Products

Information regarding life insurance, disability insurance, long-term care insurance, annuities, employee benefits, and other protection strategies is provided for general informational purposes.

Product availability, benefits, premiums, guarantees, exclusions, limitations, and eligibility requirements vary by product, insurance carrier, and jurisdiction.

Insurance coverage is subject to the terms and conditions of the applicable policy or contract, underwriting requirements, and approval by the issuing carrier.

Any guarantees associated with insurance or annuity products are based on the financial strength and claims-paying ability of the issuing insurance company and are not guarantees of RTB Advisors.

Website information does not constitute an insurance binder, offer of coverage, or confirmation that coverage is in effect.

6. Professional Licensing and Geographic Availability

RTB Advisors may work with individuals, families, and businesses across the United States, subject to applicable licensing requirements and service availability.

Not all products or services are available in every state.

Information on this Website is not intended as a solicitation or offer of services in any jurisdiction where such activity would be prohibited or would require licensing or registration that has not been obtained.

Visitors should contact RTB Advisors to confirm whether a particular service or product is available in their jurisdiction.

7. Educational Resources and Downloads

Our Website may offer articles, guides, checklists, downloadable resources, and other educational materials. These resources are provided for personal or internal business informational use only.

Unless otherwise authorized in writing, visitors may not reproduce, distribute, modify, sell, publish, or commercially exploit Website materials.

RTB Advisors makes reasonable efforts to maintain accurate information but does not guarantee that educational materials are complete, current, or applicable to every circumstance.

Financial regulations, tax laws, insurance products, and retirement plan requirements may change over time.

8. Appointment Scheduling and Communications

Our Website may allow visitors to request information, submit inquiries, or schedule appointments through online forms and third-party scheduling services.

Submitting information or booking a meeting does not guarantee acceptance as a client, eligibility for services, or availability of a particular financial product.

Visitors agree to provide accurate information when using these features.

Please do not submit Social Security numbers, financial account numbers, medical records, passwords, or other sensitive personal information through general contact forms or appointment scheduling fields.

If confidential information is required, our team will provide instructions for appropriate communication.

9. Electronic Communications and Email Security

RTB Advisors may communicate with clients, prospective clients, and professional contacts electronically.

Standard email and online communications may involve security risks. We offer an encrypted email option for confidential communications. To request encrypted email, place [Encrypt] at the beginning of the email subject line, in accordance with the instructions provided by our team.

Visitors should avoid sending sensitive personal, financial, or medical information through unencrypted email.

Although we take reasonable precautions to protect electronic communications, no electronic transmission method can be guaranteed completely secure.

10. Privacy and Information Handling

Your use of this Website is also subject to our Privacy Policy.

RTB Advisors uses third-party technology providers, including Wix for website hosting and HubSpot for contact and relationship management.

Information submitted through our Website or business communications may be collected, stored, and processed in accordance with our Privacy Policy and applicable law.

RTB Advisors does not sell client, prospective client, or professional contact information.

For additional information, please review our Privacy Policy, available through the Website footer.

11. Third-Party Websites and Resources

Our Website may include links to third-party websites, including insurance carriers, pension administrators, professional organizations, educational resources, and other service providers.

These links are provided for convenience and informational purposes.

RTB Advisors does not control third-party websites and is not responsible for their content, availability, security, privacy practices, or terms of use.

The inclusion of a third-party link does not necessarily imply endorsement, affiliation, or approval.

Visitors access third-party websites at their own discretion and should review the applicable terms and privacy policies.

12. Intellectual Property

Unless otherwise indicated, Website content, including text, graphics, logos, branding, designs, downloadable materials, and other original content, is owned by RTB Advisors or used with appropriate permission.

Such materials may be protected by copyright, trademark, and other intellectual property laws.

The RTB Advisors name, branding, and associated materials may not be used in a manner that suggests endorsement, affiliation, or authorization without prior written permission.

Limited personal or internal business use of educational materials is permitted, provided copyright notices and other ownership information remain intact.

13. Acceptable Website Use

Visitors agree to use this Website only for lawful purposes.

You may not:

Attempt to gain unauthorized access to the Website or related systems.
Introduce malicious software, viruses, or other harmful technology.
Interfere with Website functionality or security.
Misrepresent your identity when submitting information.
Collect or extract Website information through unauthorized automated methods.
Use Website content for unlawful, fraudulent, or misleading purposes.
Infringe upon intellectual property rights or the rights of others.

RTB Advisors reserves the right to restrict access to the Website when reasonably necessary to protect its systems, information, or lawful interests.

14. No Warranties

This Website and its content are provided on an "as available" and "as is" basis, to the extent permitted by applicable law.

RTB Advisors makes reasonable efforts to maintain accurate and functional Website content but does not warrant that the Website will always be uninterrupted, error-free, secure, or free from technical issues.

We do not guarantee the accuracy, completeness, or continued availability of all information provided.

Nothing in this section limits rights or obligations that cannot lawfully be excluded.

15. Limitation of Liability

To the extent permitted by applicable law, RTB Advisors and its authorized representatives shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from the use of, or inability to use, this Website.

This includes damages related to Website interruptions, technical errors, third-party links, or reliance on general educational content.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.

16. No Guarantee of Results

Financial strategies, pension arrangements, insurance products, and business planning decisions involve individual circumstances, risks, assumptions, and regulatory considerations.

Examples, illustrations, projections, or educational scenarios presented on this Website are for informational purposes and do not guarantee specific results.

Actual outcomes may vary based on individual circumstances, product terms, business performance, market conditions, regulatory changes, and other factors.

17. Changes to Website Content and Services

RTB Advisors reserves the right to modify, update, suspend, or discontinue Website content, features, educational resources, or service descriptions at any time.

We may also revise these Terms of Use periodically.

Updated Terms will be posted on this page with a revised effective date.

Continued use of the Website following publication of revised Terms constitutes acceptance of those Terms to the extent permitted by applicable law.

18. Governing Law

These Terms of Use are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where applicable federal law or other mandatory legal requirements provide otherwise.

Any dispute relating to Website use shall be subject to applicable laws and jurisdictional requirements.

19. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall continue in effect to the extent permitted by applicable law.

20. Contact Information

For questions regarding these Terms of Use or the information presented on our Website, please contact:

RTB Advisors

Mailing Address: 7801 Alma Dr., Suite 105 #110, Plano, TX 75070

Email: info@rtbadvisors.com

Website: www.rtbadvisors.com

Raising the bar through specialized expertise, collaborative relationships, and thoughtful strategies that help business owners and families protect what matters and prepare for what's next.