Leadership

Justin M. Osburn is the Founder and CEO of ARC Administration, LLC (ARC), a fast-growing automotive services company specializing in dealer warranty products, F&I training solutions, and a large and growing retail 20 Group program. Justin founded ARC in February 2020, at the onset of the COVID-19 shutdown, and has since built it into a $10 million+ organization serving franchise and independent dealers across 21 states, doubling in revenue nearly every year since inception.

A career automotive operator, Justin started on the showroom floor and worked his way through every critical leadership seat in the dealership: F&I, Sales Management, General Management, Chief Operating Officer, and minority owner of 3 independent dealerships he built from the ground up. That experience is what sets his approach apart: he hasn't just studied the business, he's run it.

From 2016 to 2020, Justin served as a 20-group moderator and national retail consultant for the National Independent Automobile Dealers Association (NIADA). There he developed and launched NIADA's retail 20 Group program, rebuilt the Certified Master Dealer curriculum, and became one of the most sought-after speakers on the independent dealer circuit, appearing on nearly every state and national stage in the Country.

Today, Justin leads ARC with a simple standard: hire the best talent in the industry and never compromise on core values. He's also pushing the 20 Group model into its next era. Under his direction, ARC built LinUs®, a proprietary platform that brings artificial intelligence into the 20 Group experience and gives dealers a sharper, faster view of their numbers and their opportunities. More than a few dealers will tell you that a single conversation with Justin (one session, one event, one phone call) was the turning point that kept their doors open.

Outside of ARC, Justin is a U.S. Army veteran, former Butler, Missouri City Council Member and Mayor Pro Tem, and author of How to Share Christ. He also holds a US patent on a door security device designed to stop active shooters in churches and schools. He is devoted to his faith, his family (his wife, Kendel, and their two sons), and the pursuit of excellence in everything he does.

Paul Howerton retired as a Colonel from the United States Army with over 24 years of service. He joined ARC as the Chief of Staff in April 2026 as an opportunity to further serve in a different capacity, applying his leadership and experience across the ARC Staff to deliver the highest quality product to all ARC clients.

Paul served in the Army as an Infantry and Aviation officer, with assignments in the 82nd Airborne Division and the Missouri Army National Guard. He deployed three times in support overseas contingency operations; twice to Afghanistan and once to Iraq. He was qualified in the AH-64 Apache and UH-60 Blackhawk helicopters. Paul's education includes a Bachelor of Science degree from the University of Missouri-Columbia, a Masters Degree from Webster University in Leadership and Management, and a Masters Degree from the Naval War College in National Security and Strategic Studies.

As the ARC Chief of Staff, Paul integrates the entire staff across all ARC lines of effort to provide the most positive customer experience possible. He is dedicated to ensuring success for the client while also providing a world class team environment at the ARC Headquarters. This is his sole mission.  

When not supporting the ARC Team, Paul enjoys hunting, fishing, and spending time with his family in Clinton, Missouri. 

Rachel brings more than 10 years of leadership and operations experience to ARC, built primarily in the food service industry, and holds a degree in Business Management. Throughout her career, she has led teams, managed multi-site operations, and built strong client relationships, developing a deep foundation in organization, communication, problem-solving, and team leadership. At ARC, she serves as an Executive Assistant, bringing that operational background and a genuine passion for helping people succeed to the role.

In this role, Rachel focuses on supporting the leadership team and keeping projects, priorities, and communication moving forward. She's the person behind the scenes who connects the dots, solves problems, and creates efficiencies, and she's known for being dependable, adaptable, and someone people can count on. Dealers and clients can count on her to be responsive, proactive, and approachable, helping create a positive experience in every interaction.

Outside of work, faith and family are Rachel's highest priorities. She treasures time with her husband and kids and loves traveling, hiking, boating, and exploring new places together. Rounding out the family are three much-loved dogs: a laid-back senior Golden Retriever and two energetic doodles.

Tricia is a finance and accounting leader with over a decade of experience across the full accounting lifecycle, having progressed through roles including Accountant, Senior Accountant, Controller, and Director. She holds a Bachelor’s degree in Finance from Central Methodist University in Fayette and a Master’s degree from Park University in Kansas City. Her background spans multiple industries, including healthcare, education, and care-centered service organizations, where she has supported executive leadership through disciplined financial management and strategic insight.

Known for her precision, reliability, and process-driven approach, Tricia brings a deep understanding of financial controls, reporting accuracy, and operational scalability. She has led and managed teams, refined financial systems, and consistently delivered the level of detail and accountability required to support C-suite decision-making and long-term organizational growth.

Outside of work, Tricia is family-focused and enjoys spending time with her four children, who are active in sports. She loves being outdoors, whether at the lake, riding dirt bikes, or traveling and exploring new places with her family.

Carmin began her career in the restaurant industry before transitioning into a personal assistant role for a restaurant owner, where she developed strong organizational and administrative skills. She later pivoted into finance at the University of Central Missouri, starting as a Financial Administrator and quickly advancing to an Accounts Payable Specialist  Role within the Financial Services Department.

Today, Carmin serves as a Staff Accountant at ARC, managing day-to-day accounting operations, including accounts payable and receivable, reconciliations, and financial record maintenance. She looks forward to contributing to ARC’s continued success while growing alongside a great company and team.

Outside of work, Carmin enjoys spending quality time with her family and her sweet dog, Maya, exploring the outdoors, and watching both classic and new movies. She is also fully bilingual in English and Spanish.

Born into the car business, Cory Collins is more than just a third-generation industry leader, he’s the Alpha Wolf of F&I, warranty, and reinsurance, setting the standard for dealerships nationwide. With 25 years of hands-on dealership management experience, starting at just 15 years old, Cory didn’t just climb the ranks, he took over the pack.

Renowned as the ultimate F&I powerhouse, Cory earned the name “3K Collins” by consistently delivering over $3,000 per vehicle retail, a level of performance that separates the leaders from the followers. Today, as the Alpha Wolf of Automotive Reinsurance Concepts, the fastest-growing reinsurance and warranty company in the U.S., he’s leading dealers to financial dominance by teaching them how to take control of their own destiny.

A relentless student of the business, Cory took his expertise to the next level by becoming the first in his family to earn an MBA in Automotive Retail Management from Northwood University, solidifying his place as the industry’s top strategist. But his true mission? Teaching, coaching, and empowering dealerships, F&I managers, and dealer principals to master the same high-performance strategies that made him the leader of the pack.

With battle-tested techniques, a no-BS approach, and a proven track record of elevating F&I performance, Cory Collins help's dealers take over their market, maximize profits, and run with the wolves at the top of the industry.

Tracie began her automotive career in January 2009 with Koons Automotive Group, advancing from sales through a series of leadership roles: Internet Director overseeing marketing and digital operations (2010–2016), Sales Manager (2016–2019), and Finance Manager and Director (2019–2026), serving five years at the director level. Her background spans both the insurance and automotive industries, and she's known for building the right people and processes to drive PVR and dealer profits.

Throughout her career, Tracie has led three finance teams and turned each into the number one department in its group. A two-time Elite F&I honoree, she ran the top finance department in her entire dealer group in 2025 and is known for consistently delivering over $3,000 per copy, regularly exceeding $4,000 in most months.

At ARC, Tracie serves as the Baltimore District Consultant, focused on helping dealers achieve their goals and take their dealerships to the next level. She's passionate about driving success and won't stop until every goal is met or exceeded.

Outside of work, Tracie enjoys time with her life partner, Michael, her son Trae, and their two dogs. An adventurer at heart, she loves the outdoors, exploring new places, and being on the water—whether in a boat or floating down a lazy river.

Jeff launched his automotive career in 1995, immersing himself in nearly every role of both franchise and independent dealerships, from front-line sales and finance management to general management. He also spent 15 years as a general agent in the North and South Carolina markets, gaining a wealth of expertise that makes him a powerful asset to the ARC team.

Outside of work, Jeff loves spending time with his family, including his twin granddaughters. He’s also an avid outdoorsman who enjoys everything from life on the lake to hunting and fishing.

With over 30 years of leadership experience on the retail side of the automotive industry, Shawn has built his career around developing and training high-performing teams. Throughout his roles as General Manager, General Sales Manager, and Finance Director, he gained extensive experience with a wide range of dealer systems and earned a strong reputation among dealer partners for turning around underperforming stores and finance departments.

His proven track record includes consistently increasing product penetration and backend PVR by an average of $800–$1,000 per copy. Beyond performance metrics, Shawn is recognized for mentoring and developing the next generation of finance, sales, and management professionals, helping them grow, succeed, and achieve their goals. His commitment to leadership excellence and his passion for elevating people have been defining elements of his career.

The automotive industry has been a lifelong passion for Shawn. He embodies the philosophy that “if you do what you love, you’ll never feel like you worked a day in your life,” and he approaches each day with a drive to master his craft while learning from others along the way. His belief that there is always room to improve continues to guide his professional development.

Outside of work, Shawn is an avid sports fan with a deep love for basketball and football. His competitive and team-oriented mindset is part of what drew him to ARC Nation, where he shares the organization’s vision for helping business partners and the people around him succeed. Shawn brings decades of leadership experience, dedication, and a results-driven approach to support ARC Nation’s continued growth as one of the fastest-growing warranty and reinsurance companies in the industry.

Bill Roberts began his automotive career in 1994 at a Dodge dealership in Peoria, Illinois. After just two months in sales, he transitioned into Finance & Insurance (F&I), where he quickly found his passion and was promoted to Director within his first year. Bill brings over 17 years of experience working primarily in Ford dealerships, including serving as F&I Director at a New Mexico Ford store for 11 years.

Throughout his career, Bill has consistently delivered top-tier performance and results. During his tenure in New Mexico, he elevated the store’s F&I performance to record levels. He was recognized with the National Travel Award for seven consecutive years, placing him in the top 3% in the country, and ranked #1 in the Phoenix region for highest warranty penetration for two consecutive years. In addition to his dealership experience, Bill spent three years as an F&I consultant with MarketSource, working exclusively with Ford dealerships to improve performance and profitability.

At ARC, Bill leverages his deep expertise in F&I operations, performance management, and training to help dealer partners maximize profitability and improve overall process execution. His focus is on delivering measurable results and creating long-term value for ARC clients.

When not working with dealers, Bill enjoys spending time with his wife and two children, traveling, following the NFL, and taking every opportunity he can to go deep sea fishing.

Jason Caley brings over 30 years of deep, hands-on experience in the automotive industry as the National Dealer Consultant with ARC. His journey began in 1994 at a successful Ford dealership in the Kansas City market shortly after completing his service in the United States Marine Corps. By age 23, he was Parts & Service Director, later holding leadership roles including Fixed Operations Director, COO, and Director of Operations across multiple rooftops.  

Jason has led through every major industry shift, from launching off-site service centers during the 2008 downturn to building a standalone collision center in 2016. He later founded Caley Business Solutions, a consulting firm that served clients across automotive, equipment, marine, insurance, and more.

Now as National Dealer Consultant at ARC, Jason brings operational expertise in fixed ops, financial strategy, HR, and reinsurance to dealers nationwide. Known for his no-nonsense leadership and people-first mindset, he is a trusted advisor to dealer clients across the country.

Outside of work, Jason is a proud father. Jackson, former collegiate athlete and successful professional. And now a PROUD Grandfather. He is married to the love of his life, Anna Kristine Caley, and together they enjoy spending time with their grand baby Collins and traveling for destination concerts. He also shares life with Anna Bell, their 12-year-old lab-golden mix who serves as a therapy dog, as well as Finny. In his free time, Jason enjoys golf, fishing, and bow hunting.

Rob “The Rainmaker” Whistle launched his automotive career in 1988 at a Buy Here Pay Here dealership in Michigan. Over the decades, he built a reputation as a dynamic leader with hands-on expertise across every aspect of variable operations, from selling pre-owned and high-line inventory to leading large franchise teams. His operational depth and people-first approach have made him a trusted voice in retail strategy.

Today, Rob serves as ARC’s Executive 20 Group Moderator, guiding independent and franchise dealers through structured, peer-driven performance groups. A former General Manager, Executive Manager, and Sales Director, Rob brings real-world experience to every session. He continues to consult and train dealerships nationwide, blending leadership development with his proven “8 Steps to the Sale” framework to help teams execute with clarity, accountability, and measurable results.

Brandon brings over a decade of expertise in the automotive industry, with six years in pivotal management roles. Originally starting his career in Corpus Christi, Texas, he now serves as a National Finance and Insurance Specialist at ARC. Brandon’s career took off with the creation of 361 Cars For Sale, an innovative buy, sell, and trade marketplace group that grew to over 90,000 members before successfully selling to a prior client of his.

This entrepreneurial achievement cemented his reputation as a digital marketing authority and led to his first management role in the industry, where he swiftly became a sought-after specialist in helping drive success for automotive dealerships.

Throughout his career, Brandon has worked & partnered with an impressive range of dealerships, from small local businesses to mega-dealers in some of the industry’s most competitive markets. Dedicated to continuous learning, Brandon is dedicated to empowering aspiring automotive professionals to not only achieve their goals but exceed them, paving the way for success for all involved.

Ryan Jennings retired as a Lieutenant Colonel from the Missouri Army National Guard with over 26 years of service. Following his military service, Ryan joined ARC as the Director of Sales, later serving as Vice President of Sales Support before being assigned to his current role as Vice President of Operations. Across each of these roles, he has applied his decades of leadership, planning, and execution experience to help ARC deliver premium quality and consistent value to its dealer clients.

Throughout his military career, Ryan held numerous leadership positions including Battery Commander, Field Artillery Battalion Commander, and Director of Military Support, and planned and executed operations both in the United States and abroad, including in Afghanistan, Canada, and Panama. His education includes a B.S. from Northwest Missouri State University, an M.A. from Webster University, and completion of the Army Command and General Staff College. His notable awards include the Bronze Star, the Meritorious Service Medal, and the General MacArthur Leadership Award.

As Vice President of Operations, Ryan oversees strategic growth, operational planning, and long term enterprise value development across ARC, working across departments to help teams succeed and to streamline the processes that support them. He is a graduate of Cory's F&I Bootcamp and has published multiple blog articles on ARC's site focused on leadership and process improvement for dealers. Ryan is direct with dealers and clients about what they can expect from him: a focus on building sound processes and durable results, not just short term wins.

When not supporting the ARC Operations Team, Ryan enjoys golfing, working out, and most of all spending time with his family in Jefferson City, MO.

Amber is an Operations Specialist and Client Services professional with over 15 years of experience in management and customer service. In her current role, she oversees reinsurance account management and TPA relations, handles dealer setups, and serves as the go to resource for resolving dealer issues. Known for her strong work ethic and dedication to client success, she excels in building lasting relationships with dealers and clients alike, and has consistently driven improvements in client satisfaction, operational efficiency, and business growth throughout her career. Her contributions were recognized with the ARC Atlas Award for operational excellence and performance under pressure.

Outside of work, Amber loves spending time with her husband and children. She enjoys watching her kids play sports and is an avid participant in softball and volleyball. She also has a passion for travel and values time spent with friends.

Mike Hirschfield brings more than 20 years of automotive leadership, dealer development, and performance experience to his role as an Executive 20 Group Moderator at ARC. His career has given him a broad perspective on the dealership business, spanning retail sales, F&I, General Management, multi-rooftop executive leadership, indirect lending, dealer development, consulting, coaching, and facilitation.

Mike has served as a General Manager and Sales and Finance Director, led sales and finance performance across an 11-rooftop dealer group, and worked directly with dealers through roles with Credit Acceptance and Ally Financial. His experience also extends across dealer finance, F&I products, reinsurance, and other areas of dealership performance, giving him the opportunity to understand the business from multiple sides of the table. Throughout his career, Mike has worked alongside dealers and their teams to examine performance, develop people, identify opportunities, and translate insight into measurable action.

At ARC, Mike brings those experiences together as an Executive 20 Group Moderator. He believes great facilitation isn’t about having all the answers; it’s about creating the conversations where better answers emerge. Mike works to create an environment where dealers can share openly, ask better questions, challenge assumptions, learn from one another, and leave with greater clarity about what to do next. Dealers working with Mike can expect someone genuinely invested in understanding their business, helping them see what they might otherwise miss, challenging their thinking when appropriate, and turning insight into action.

Mike’s perspective has also been shaped by executive consulting outside automotive, where he has worked with leadership teams from growing entrepreneurial companies to organizations with hundreds of millions of dollars in annual revenue. His work has focused on strengthening leadership, sales execution, accountability, and organizational performance. He is a Digital Dealer speaker and has authored more than 30 automotive industry articles for publications including Dealer Magazine, Dealer Marketing Magazine, Digital Dealer, and WardsAuto.

Outside of work, Mike is most grateful for his faith, his family, and the opportunity to continually learn, grow, and experience life. He enjoys being active, exploring, competing, cycling, paddleboarding, hunting, and spending time outdoors. At ARC, he is excited to help dealers think more deeply, lead more effectively, build stronger businesses, and continually grow as leaders and people.

Roy Davila brings more than 15 years of automotive experience to his role as an Executive 20 Group Moderator at ARC. His career spans nearly every level of variable operations, including sales, finance, sales management, operations leadership, and multi-store oversight.

Throughout his career, Roy has focused on developing people, improving processes, and driving measurable dealership performance. He helped lead the turnaround of a four-dealership group from an approximately $2.5 million loss to a pace exceeding $2 million in net profitability. He has also overseen variable operations across an eight-dealership platform, earned Top 5 CPO recognition from Kia Motors, and was recognized as a Top 10 manager nationally during his time with Lithia Motors.

Known throughout the industry as “The Wolf,” Roy brings a direct, transparent, and highly engaged approach to ARC’s 20 Groups. He believes the numbers tell dealers where to look, but the real value comes from understanding why, challenging assumptions, and turning those conversations into action.

Outside of work, Roy is a proud father who enjoys spending time with his daughters, fishing, and being outdoors. He is passionate about leadership, personal development, and the automotive community, with a mindset built around staying hungry, staying accountable, and continually getting better.

As Event Planner at ARC, Michele works behind the scenes to set up the logistics that make the 20 Group program run smoothly. From hotel contracting and venue coordination to scheduling and post-meeting documentation, she handles the details that allow members and moderators to focus on what matters most: productive, connected group experiences. Her commitment to precision and organization is at the heart of how she supports ARC's 20 Group community.

Michele has an eye for detail and a passion for creating great experiences. That passion is also rooted in a diverse background, including seven years of owning and operating a coffee shop and café. There, she sharpened her skills in customer service, multitasking, leadership, and small-business management.

Outside of work, Michele is committed to growing in her walk with Christ and serving within her church community. She treasures time with family and friends and loves being outdoors, appreciating the beauty and simplicity of nature. She believes life is too short not to make the most of the moments we're given, both personally and professionally.

Howard has over 35 years of experience in the automotive industry, with a career that spans ownership of an independent dealership and general management roles at both a GM and a Ford franchised store. Throughout his career, he has gained hands-on experience in nearly every aspect of dealership operations.  

As the LinUs® expert, Howard is responsible for overseeing the creation and ongoing updates of all composite reports. He provides the coding team with the necessary formulas and works closely with ARC 20 Group members to ensure the accurate and timely input of data. His attention to detail ensures consistency across all data provided by members. Additionally, Howard leads the direct integration efforts for all DMS systems.

Outside of work, Howard is dedicated to his family and faith. He married his high school sweetheart in 1981, and together they have three children and nine grandchildren. An active member of First Baptist Church, Howard serves as a deacon, choir member, Sunday school teacher, security member, and head of the transportation committee.  In his spare time, he enjoys hanging out at his pool with his grandkids.

David Gavin serves as ARC’s Director of AI & Innovation, leading the development and implementation of AI-driven tools, applications, and technology designed to improve how ARC operates and serves its dealer clients. His focus is on identifying opportunities across the organization where technology can simplify complex processes, eliminate bottlenecks, improve efficiency, and create better experiences for both ARC’s team and its clients.

David previously served as ARC’s Marketing Director, where he played a key role in leading the company’s rebrand and building a unified digital presence across its warranty, reinsurance, and 20 Group divisions. With more than 20 years of experience in digital media and a background spanning marketing strategy, technology, CRM, analytics, and application development, his transition into AI & Innovation reflects ARC’s continued investment in finding smarter ways to operate and deliver value.

In his current role, David oversees the development of internal and client-facing applications while working across departments to identify opportunities for greater operational excellence. He approaches AI as a tool rather than the solution itself, starting with the desired outcome and then determining how AI, automation, data, and emerging technologies can be used to make the path there simpler and more effective. His goal is to turn new technology into practical solutions that create measurable value for ARC, its team, and its dealer clients.

Outside of work, David enjoys camping, fishing, cooking and spending time outdoors with his partner, Alyssa, and their three children.