Beyond today's transaction

Turn F&I performance into long-term dealer wealth.

The right participation structure can help a dealer retain more of the value its team creates, develop additional income, and build for the future.

Strategy before structure

There is no universal answer—only the right fit.

ADG helps dealers evaluate their goals, volume, risk tolerance, and current program economics before comparing available participation models.

Our role is to make the options understandable, reveal unnecessary income-sharing, and help you ask better questions.

DOWC Leadership

Perspective earned from the beginning.

David Hammer was the first to bring the Dealer-Owned Warranty Company model beyond Florida, where US Warranty originated the concept. ADG pairs that early experience with a dealer-specific analysis of goals, economics, control, and long-term wealth potential.

01

Dealer-Owned Warranty Company

A highly customizable structure that can give qualifying dealers greater control over program design, economics, and long-term strategy.

  • Program customization
  • Potential underwriting participation
  • Long-term wealth-building focus
02

Reinsurance

An established participation model designed for dealers seeking an opportunity to share in underwriting results and investment performance.

  • Underwriting participation
  • Potential investment income
  • Strategic retention opportunities
03

Retrospective Programs

A straightforward option that can allow dealers to participate in favorable program performance without forming a separate company.

  • Lower barrier to entry
  • Performance-based participation
  • Simplified administration

Participation programs involve legal, tax, financial, and operational considerations. ADG does not provide legal or tax advice; dealers should consult their qualified advisors.

Let's move performance forward

Let's find the structure that fits your goals.

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