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.

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Vehicle Service Contracts

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Gap Coverage

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Tire & Wheel Protection

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Key Protection

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Dent & Ding

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Theft Secure

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Advanced Technology

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Certified Pre-Owned Program

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Lifetime Powertrain Warranty

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Limited Warranties

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Lease Care

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Certified Maintenance

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F&I Menu

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Mobile F&I Menu

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Training & Development

Compliance Training

Compliance Training

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Financial Participation Programs

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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.

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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.’

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"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

"Risk Theory Dealer Advisors gave my dealership and employees an easy transition when I made the decision to switch companies. RTDA has brought superior service and products. RTDA gave me options and flexibility on how I want to improve and run my F&I department to maximize my economics. "

- Mr. Jimmy Walker, Laurel Ford Lincoln Kia
Laurel, Mississippi

"The transition to RTDA with our products and reinsurance could not have been any easier. Their team kicked the store off, trained the entire staff, and make the process seamless. They are easy to work with and responsive to all my needs. Their team is second to none in the F&I arena, and we value their partnership."

- Brian Bice, Dealer
Bice Chrysler Jeep Dodge Alexander, AL

"The decision to do business with RTDA was not taken lightly. After making the decision, I wish I had done so sooner. They are a true partner who establishes relationships throughout the store and have made a significant impact on the overall profitability in all areas of the dealership. They are in our store weekly providing training and finding ways to improve sales and service operations every time they are here"

- Steve Ayers, Dealer
High Country Toyota Scottsboro, AL