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If They Don’t Trust You, Nothing Else Matters.
F&I success is not just about products or price. It starts with trust. When customers believe in the person across the desk, resistance drops, certainty rises, and results follow.

Michael Dean Aufmuth
Feb 284 min read


Dealer Reinsurance Audit Checklist: How to Review Fees, Claims, and Net Premium Like an Owner
Are you truly capturing the profit your dealer reinsurance program is designed to retain? This in-depth audit checklist walks through ceding fees, claims adjudication costs, premium taxes, and net premium reconciliation so you can evaluate your structure with clarity and control.

Michael Dean Aufmuth
Feb 276 min read


Dealer Reinsurance Trust Accounts Explained: A Account vs B Account, Reserve Timing, and What Dealers Should Really Be Tracking
Many dealers participate in reinsurance but don’t fully understand how their trust account works. This guide breaks down A accounts, B accounts, reserve timing, and what you should be reviewing on every statement.

Michael Dean Aufmuth
Feb 175 min read


One Small Change, One Large Outcome: Why More Dealers Are Rethinking GAP Chargebacks
GAP remains a core F&I product, but cancellations continue to pull back 10–15% of dealer profit in many stores. As ownership cycles shorten and refinancing becomes routine, more rooftops are turning to no-chargeback structures to protect what they earn while keeping customer refunds intact.

Michael Dean Aufmuth
Feb 115 min read


The Difference Is Intention: How Great F&I Departments Win
Great F&I results aren’t random. They come from intention. This article breaks down what top-performing F&I departments do differently, from building repeatable systems and practicing presentations to tracking key metrics and serving customers with real-life product alignment. If you want more consistency, better customer trust, and stronger performance, start here.

Michael Dean Aufmuth
Feb 87 min read


Why F&I PVR Is Declining and What Elite Dealers Are Doing Differently in 2026
F&I PVR has not disappeared—but for many dealerships, it has become unstable and misleading. This article explains why traditional F&I metrics are failing, how chargebacks and affordability pressures are eroding true profit, and how adaptive training, dynamic coaching, and profit-sharing strategies help dealerships build sustainable growth in 2026.

Michael Dean Aufmuth
Jan 236 min read


Boosting PVR in 2026: The F&I Products and Strategies Driving Dealership Profitability
In 2026, increasing PVR requires more than adding products to the menu. This article explores the F&I products driving profitability today, how training and process execution impact results, and how modern reinsurance and CFC strategies are helping dealers extend PVR beyond the finance office and build long-term value.

Michael Dean Aufmuth
Jan 145 min read


Turning Coverage into Confidence: Profits, Loyalty, and Growth in 2026
In 2026, successful dealerships are aligning F&I products, adaptive training, reinsurance strategies, and virtual finance to create stronger customer experiences and sustainable profitability. Learn how a smarter F&I model turns coverage into confidence.

Michael Dean Aufmuth
Jan 26 min read


Automotive GAP Coverage in Today’s Market
Dealership GAP protection has become essential as insurers total vehicles faster, leaving customers at risk. Express GAP gives dealers faster earn-outs and fewer chargebacks, while GAP Plus adds a $1,000 loyalty benefit redeemable at the dealership. At Elite FI Partners, we deliver side-by-side analysis of leading F&I products to help your store balance profitability, customer value, and long-term retention.

Michael Dean Aufmuth
Sep 15, 20253 min read


Elite FI Partners & Alpha Warranty: Pioneering New Frontiers in Exclusionary Coverage
Intellicare Exclusionary Coverage offers comprehensive plans with unparalleled protection and includes a range of exciting features.

Michael Dean Aufmuth
Sep 25, 20244 min read


The Rushed Customer: F&I Professionals Stay in Control
This Week in F&I Nation - Posted
Deal is brought into your office, and you are told the customer is in a hurry. What is your next step?

Michael Dean Aufmuth
Aug 22, 20244 min read


Are your F&I numbers struggling? What's behind a dropping PVR
Over the past few years, many dealerships have seen a steady decline in F&I performance nationwide. Averages are slipping, with PVR numbers

Michael Dean Aufmuth
Aug 16, 20243 min read


Comprehensive Coverage: We’ve Got You Covered
At Elite FI Partners, we pride ourselves on providing comprehensive coverage options to meet the diverse needs of our dealer partners.

Michael Dean Aufmuth
Jul 25, 20242 min read


Training is something that we DO
Adaptive Training goes beyond the basics, focusing on the intricate dynamics that make a finance manager great. It’s about developing skills

Michael Dean Aufmuth
Jul 7, 20243 min read


Kyle Reid with VisionAST interview with Michael Aufmuth
Celebrate Thanksgiving with us! Join us for Week 4 as we delve into Best Practices in the Automotive and Powersports industries. Episode 4

Michael Dean Aufmuth
Nov 22, 20231 min read


Unveiling Industry Leadership with Michael Aufmuth of Elite FI
On today's episode, Bryan talks to Michael Aufmuth, one of the co-founders of Elite FI, an industry partner of Alpha Warranty Services.

Michael Dean Aufmuth
Oct 16, 20231 min read


EcoCar Pro Certified Clean: Setting a New Standard in Vehicle Protection
EcoCar Pro Certified Clean sets a new standard in vehicle protection. Applied to the cabin, vents, and cargo areas, this EPA-registered treatment defends against germs, bacteria, mold, mildew, and odors while giving customers peace of mind. Trusted in hospitals, aircraft, and emergency vehicles, EcoCar Pro now brings industry-leading protection to your dealership inventory and finance lineup.

Michael Dean Aufmuth
Sep 19, 20232 min read


Meet Julio Mendoza | Product Specialist with Elite FI Partners
Julio is a bilingual expert in the automotive finance industry, bringing industry-leading products, training, support, finance manager coach

Michael Dean Aufmuth
Feb 23, 20232 min read


The Evolution of GAP Protection
GAP Protection has changed. Learn more about the exciting new GAP protection options available and protect your dealership's bottom line!

Michael Dean Aufmuth
Aug 5, 20221 min read


Building a Winning F&I Department: Insights from Ron Overs of Fixed Ops Magazine with Michael Dean Aufmuth
This week’s podcast features Ron Overs, Publisher of Fixed Ops Magazine, joining Michael Dean Aufmuth of Elite FI Partners to discuss what it takes to build a winning F&I department. Together, they break down the three core pillars of success — People, Products, and Process — and share insights on how dealerships can align culture, training, and strategy to maximize profitability and improve the customer experience.

Michael Dean Aufmuth
Feb 1, 20212 min read
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