Building the standard in F&I products, training, and dealer reinsurance.

We are more than a provider of F&I products. We are a dedicated partner in your dealership's success. Tax-efficient programs, adaptive training, and ongoing coaching designed to compound results month after month.

We Are Elite FI

We set out to raise the bar for what a true agency should provide.

Our vision has always been bigger than selling products or offering standard training. For us, it's about culture and impact. Inside our agency, we've built a team that shares the same passion to lead, to innovate, and to make a difference.

Our mission is to transform the partnership between agencies and dealerships: to move beyond transactional relationships and become a trusted force for growth. Every dealer partner deserves more than a vendor. They deserve a team that understands their challenges, stands beside them, and pushes them to reach new heights.

This is the standard we live by. This is the future we're building. Together, with our dealer partners, we're not just keeping up with the industry. We're shaping what's next.

— Michael & Emilia AufmuthAgency Principals
What we do

Three pillars. One unified partnership.

Products

F & I Products & Protection

Service contracts, warranties, GAP, appearance protection, GPS, and fixed-ops automation across automotive, RV, marine, powersports, and fleet.

Wealth

Dealer Reinsurance & Wealth

CFC, Super CFC, DOWC, and Retro structures with side-by-side pro forma analysis. Convert F&I sales into long-term, tax-efficient wealth.

Training

Adaptive Training & Coaching

An on-demand module library, in-store coaching, applied role-play, and KPI dashboards, calibrated to your store, your staff, and your numbers.

Adaptive Training & Coaching

F&I training built around your store.

A dynamic, on-demand video library combined with hands-on in-store coaching, reinforcing the proven F&I processes that drive process, product knowledge, and compliance. The complete playbook for sustained dealership growth.

  • On-demand module library

    Role-based paths for managers, directors, and principals.

  • In-store coaching visits

    Applied role-play that turns knowledge into muscle memory.

  • KPI dashboards

    Track PVR, penetration, and process adherence over time.

“Six months in, our F&I gross was up 41% and our team was actually enjoying the work.”
Leading industry partners

The administration behind the brand.

AGWS
Alpha Warranty
Smart AutoCare
iA Warranty
LoJack
Protective
Portfolio
MenuMetric
Xzilon
Ultimar
NextGen Virtual F&I
NAAC
National Auto Care
GWC Warranty
Wise F&I
DOWC
Frequently asked

The questions dealers ask first.

Want a deeper conversation? Schedule a call with our team.

What is dealer reinsurance?+
Dealer reinsurance allows a dealership to capture underwriting profit and investment income on eligible F&I contracts by reinsuring them in a dealer-controlled structure.
Which F&I products are best for reinsurance?+
Most F&I products are eligible for a dealer reinsurance program, including GAP. What we recommend placing in it is a narrower question: we typically build around stable lines such as vehicle service contracts, limited warranties, and appearance protection, and we evaluate GAP separately and often leave it out because its loss severity is higher and more volatile. The mix is decided deliberately from the store's own claims experience.
How do CFC, Super CFC, DOWC, and Retro programs differ?+
CFC and Super CFC are captive structures with different tax and capital considerations. DOWC is a dealer-owned warranty company format. Retro is profit sharing without forming a captive. We provide side-by-side analysis to help you choose the best fit.
How does NextGen Virtual F&I work with our current team?+
NextGen Virtual F&I supplies remote finance managers for compliant menu presentations, digital paperwork, lender coordination, and reporting. It can work alongside your existing team, support an agreed hybrid arrangement, or serve as your dealership's remote finance department. The right setup depends on your staffing, deal volume, workflow, and coverage needs.
What is Adaptive F&I Training?+
Adaptive F&I Training combines in-store coaching and virtual sessions, focusing on menu process, compliance waivers, role-playing, objection handling, and KPI tracking to increase PVR and product penetration.
When is a dealership ready to start reinsurance?+
Once you have consistent contract volume and stable loss trends, we run a pro forma, compare structures, and can warehouse premiums while the entity is formed to avoid disruptions.
Start the conversation

A 30-minute call. Transparent answers.

Bring last month's F&I report. We'll show you exactly where the leverage is: products, reinsurance, training, or all three.

We respond within one business day.