Break Free From Convention

For too long the F&I marketplace has forced dealers to choose between two extremes: either a slow, rigid “Big Box” provider that comes with high costs, or local F&I agents who can offer flexibility and lower costs, but do not have the resources, support, and expertise you need. We are here to change all that with new disruptive products, simplified cost structures, incremental profit centers, and a more customized, transparent approach to partnering with dealers.



Every dealership is different, and one solution never fits all. RTDA collaborates with dealers to develop solutions tailored to their specific needs. We also offer turnkey solutions that make growth and transparency easy. Our 1:1 consulting approach means you will never be forced into programs you do not need, and we will always be here to help drive measurable results.

Car Service Icon

Vehicle Service Contracts

Badge Icon for Gap Coverage

Gap Coverage

Tire and Wheel Protection Icon

Tire & Wheel Protection

Car Key Protection Icon

Key Protection

Windshield Icon


Dent and Ding Service Icon

Dent & Ding

Theft Icon

Theft Secure

Bundle Icon


Advanced Technology Icon

Advanced Technology

Certified Pre-Owned Icon

Certified Pre-Owned Program

Lifetime Powertrain Warranty Icon

Lifetime Powertrain Warranty

Limited Warranties Icon

Limited Warranties

Lease Care Icon

Lease Care

Certified Maintenance Icon

Certified Maintenance

Reporting Icon


Checklist Icon

F&I Menu

Mobile Messaging Icon

Mobile F&I Menu

Training & Development Icon

Training & Development

Compliance Training

Compliance Training

Financial Participation Programs Icon

Financial Participation Programs

Income-Generating Consulting Icon

Income-Generating Consulting


Change the way your customers think about service. For a low monthly fee, payGO is the first ever subscription-based service plan that allows customers to protect their vehicles on their own terms, without cookie-cutter month and mileage restrictions. Offering the convenient payGO app maximizes customer retention and satisfaction by making transactions effortless, manageable, and affordable. This is a revolutionary win-win for you and your customers.

Learn More


Industry veteran, Eric Dragoo, Founder & CEO and his partner, Bryan Wilburn have set out to reimagine and disrupt the F&I Industry in a truly dealer centric way. ‘We recognize the industry is not in need of just another F&I provider, but we believe the industry is in desperate need of a game changer – a different kind of F&I provider. One that is truly Dealer centric and offers dealers the best of both worlds – the scale, support and expertise of a ‘Big Box’ provider combined with the flexibility, stability in personnel and efficiencies of an Independent Agent.’

Learn More partners


"Risk Theory Dealer Advisors really surprised us and showed us that not all F&I companies are the same anymore. They have a refreshingly different perspective and unique approach to the industry, and they provided us with a multitude of creative options and attractive ways to increase our bottom line. RTDA brought us innovative new products and the most competitive and transparent reinsurance structure we’ve ever seen. We’re surpassing our objectives with them as our partner and think they’re the ‘shot in the arm’ that the industry has needed for quite some time."

- Nadi Malek, Managing Partner
Sunnyside Acura, Nashua NH

"When we first met with Risk Theory Dealer Advisors, I was amazed at the amount of time they took to get to know more about me and the opportunities within my store. We discussed the variety of structures they had and they tailor-made one specifically for our needs. All this, plus the overall improvement in my F&I department with their specialized training, has indeed confirmed my decision to partner with Risk Theory Dealer Advisors."

- Leigh Bullock, Dealer
Bullock Toyota Louisville, MS

"Our decision to move to Risk Theory Dealer Advisors improved our F&I performance as a result of our expanded product line up and training and support. The bonus of the aggressive and efficient product pricing spectrum coupled with the systematic approach to our sales process lead our dealership to a significant improvement in retail sales volume, a massive boost to our F&I department and multiple extremely satisfied customers. Our partnership with Risk Theory Dealer Advisors has resulted in a series of consecutive record-breaking performances for our entire retail operation, and we are extremely optimistic about our future together!"

- Clent & Derek Maggio, Maggio Buick GMC
New Roads, LA