Products
F & I Products & Protection
Service contracts, warranties, GAP, appearance protection, GPS, and fixed-ops automation across automotive, RV, marine, powersports, and fleet.
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.
Michael & Emilia AufmuthAgency Principals
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.
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 course library, in-store and virtual coaching, applied role-play, and the Dealer Timeline, calibrated to your store, your staff, and your numbers.
From our dealers
In their own words.
“Your rep is key. There hasn’t been a single issue I’ve had that hasn’t been handled within a 24-hour period.”
“My costs of warranty contracts have gone down tremendously. … When they’re not apt to cover a certain claim that we feel should be covered, Mike will make the phone call to those warranty companies and get those things covered.”
“Michael called another provider, and even though they weren’t involved with it, they got involved. They got the customer taken care of, got the claim paid for them, and they didn’t even have a contract with them.”
See your numbers
Run the numbers on your store.
Free tools that answer with your own figures, before you talk to anyone.
GAP
GAP side by side for your store
Tell us what GAP costs you today and see it beside Standard GAP and No Chargeback GAP, on your own numbers.
Run it ReinsuranceReinsurance pro forma
Put your current reinsurance structure beside an Elite FI proposal, or reinsurance beside retro, over five years of writing plus runoff.
Run it Virtual F&IVirtual F&I cost comparison
Compare what your finance office costs today against a virtual F&I model, with or without profit participation.
Run it TrainingFinance manager readiness assessment
About thirty quick questions and five minutes, no contact details needed. See where your finance office is strong and where it is not.
Run itAdaptive 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 course library
Courses assigned by role and product line, with every person scored and certified.
In-store and virtual coaching
Role play on real deals that turns knowledge into habit.
The Dealer Timeline
Every visit, assignment and result tracked in one shared place.
F&I insights
Latest insights from Elite FI Partners.
F&I and dealer strategy from our team, covering reinsurance, products, training, and process. Read the latest below, then explore the full insights library.
GAP Chargebacks: How Dealers Can Protect Their Profit
GAP chargebacks quietly drain dealership profit. Learn how no-chargeback GAP works and find the right GAP strategy to stop losing money on early payoffs.
Read more
A Foundation for Growth: The Role of Culture in Driving Results
How Elite FI fosters a culture of growth that delivers tailored solutions and impactful training.
Read more
Blake Fisher's Mission: F&I Training That Connects
Hands-on training and Virtual F&I support, building trust and results, one dealership at a time.
Read moreLeading industry partners
The administration behind the brand.
AGWSAlpha WarrantyAscentSmart AutoCareiA WarrantyLoJackProtectivePortfolio
MenuMetricXzilonUltimarNextGen Virtual F&INAACNational Auto CareGWC WarrantyWise F&I
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.