Dealer Services in a Brand New Light

Risk Theory Dealer Advisors & TrueRisk Advisors have merged as Brightline Dealer Advisors. Two great companies have combined forces to create one, truly dealer-centric unicorn in the marketplace.

Eric Dragoo, President & CEO
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At Brightline Dealer Advisors, dealer centricity isn't just a buzzword, it's in our DNA. It's the foundation of our strategy and the source of the relentless passion behind our mission to make our dealers Raving Fans.

— Eric Dragoo,
President & CEO

F&I, P&C, and Employee Benefits Reimagined

Risk Theory Dealer Advisors and TrueRisk Advisors have combined forces to create one truly, dealer-centric unicorn in the marketplace. We combine the scale, support and expertise of big-box providers with the flexibility, optionality and personnel stability of a local agency. As a result, we've created a competitive advantage in the market and are uniquely positioned to make our dealers Raving Fans.

Combines the best of both worlds creating
an innovative, truly dealer-centric approach.

Local Agents

  • Flexibility / Optionality
  • Stability of Personnel
  • Versatile Profit Participation Programs

Big Box Providers

  • Scale
  • Nationwide Support
  • Technology

Three Comprehensive Services. One Supportive Partner.

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Finance & Insurance Products

We offer a fresh and reimagined approach to products, training, and services tailored to help our dealers build culture, develop personnel, and maximize performance and profitability.

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Property & Casualty

We are the largest independent agency in the automotive space with a 20-year tenure average. Our custom programs give access to all the key markets and operate on your agenda.

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Employee Benefits

We take administrative work off your plate with active plan management paired with the highest level of personalized concierge services. We develop a plan to fit your needs while helping you control your costs.

Grow Through Our Learning Ecosystem

Training is not a one-time event: it's a journey. To execute at the highest level, you must not only commit to continuous improvement but also have the necessary guidance. Our hands-on approach to learning helps your dealership rise to its fullest potential, with ongoing resources and support geared toward a growth mindset.

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  • Digital Learning

    Lay the foundation for a multi-layered educational experience.

  • Off-site Classes

    Build skills and expertise from industry leaders who want you to succeed.

  • In-person Training & Coaching

    Realize your potential with coaches who don't stop until you reach your goals.

Register for Classes

About Us

Brightline Dealer Advisors is the fusion of two dealer-centric organizations- Risk Theory Dealer Advisors and TrueRisk Advisors. United by our passion to provide disruptive products and services to automotive dealers, we joined forces to coordinate our approach to the marketplace and maximize our collective value in an effort to become the clear provider of choice and an indispensable partner to our dealers.

"I partnered with Risk Theory because they showed me a different way to think about F&I and broke the mold compared to the long list of other F&I providers in the car business. As a result of their sales and F&I training approach and philosophy, our front end grosses and F&I PVR are up several hundred dollars per vehicle and consistently reach new levels of increased profitability.

On top of that, I'm making more money in reinsurance with RTDA and my returns are much higher than with my previous provider. I truly consider RTDA my business partner and have thoroughly enjoyed our relationship."

– Mike Carpino, President

Mike Carpino Auto Groups

Disrupt the Dark

F&I, P&C, and Employee Benefits Reimagined. It's time to change the way you think about dealer services. Let Brightline show you the way.

Contact Us

Contact Us

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