top of page

Notes from inside the deal.
Essays on what's working — and what isn't — across F&I, variable ops, fixed ops, and reinsurance. Written by the consultants who installed it before they wrote about it.
This week's read
Featured essay


The Fixed Ops Profit Playbook: 7 KPIs Every Dealer Principal Should Watch Monthly
Some months automotive fixed operations looks busy but absorption says otherwise. Learn the 7 fixed ops KPIs

Tony Fiorillo
Mar 410 min read
All Posts


What Is Fixed Operations at a Car Dealership? Service, Parts, and the P&L Behind Them
Fixed operations covers service, parts, and body shop — the revenue that doesn't depend on selling a car. Here's what it includes, how it hits the P&L, and the absorption formula that measures it.

Vision Management
Sep 306 min read


What Is PVR (Per Vehicle Retail) in Car Sales? The Number Every GM Should Know Cold
PVR (per vehicle retail) is the dollar figure every GM gets asked about. Here's what it actually measures, how to calculate it, and where your store should land.

Vision Management
Sep 76 min read


What's Actually in a Well-Disclosed F&I Menu? A Compliance-First Breakdown
A compliance-first breakdown of what makes an F&I menu well-disclosed: the required elements, the current regulatory landscape, and a self-check.

Vision Management
Sep 26 min read


How Zero F&I Experience Turned Into a $2,524 PVR Business Manager
Read our case study on a truck dealership in St. Cloud, Minnesota and how we helped them develop a $2,524 PVR team member

Vision Management
Aug 253 min read


What Is Vision Management Group? The F&I Consulting Firm Serving Automotive and RV Dealerships
Vision Management Group is an F&I and dealership operations consulting firm headquartered in Boca Raton, FL, offering dealership consulting services in F&I Solutions, Variable Operations, and Fixed Operations. Start with a free Dealer Health Check-up.

Vision Management
Aug 255 min read


How to Improve F&I Profit at a Car Dealership: Vision Management Group's 6-Step System
Last updated: July 27, 2026. Compiled by the Vision Management Group editorial team based on internal client data and engagement records. Vision Management Group has helped 20+ automotive and RV dealerships increase F&I revenue by an average of 30%. As a car dealership consulting firm working on-site with F&I departments nationwide, this is the 6-step system VMG uses with every new dealership partner, from the first process audit through the accountability structure that keep

Vision Management
Aug 256 min read


How a Stalled Launch in Yankton Turned Into $1.4M of F&I Gross
How Vision Management Group helped a dealership from Yankton get to $1.4M of F&I Gross

Vision Management
Aug 64 min read


Summer RV Selling Season: How to Maximize F&I Penetration During Peak Months
Summer is the period when the math of F&I works hardest in a dealer's favor. Unit volume is highest, buyer motivation is strongest, and the window for product acceptance is wider than at any other point in the year. This article covers why summer creates F&I opportunity, which products perform best, and how to set up the finance office to capture it.

Tony Fiorillo
Jun 414 min read


RV F&I Products: A Dealer's Guide to VSC, GAP, and Tire and Wheel
RV dealers who build a high-performing F&I operation from scratch quickly find that the auto playbook transfers only partially. This guide covers the three core RV F&I products — VSC, GAP, and tire and wheel protection — how each differs from its auto equivalent, and how to build a menu and presentation process that captures the backend gross an RV F&I office is capable of generating.

Tony Fiorillo
Jun 46 min read


A Service Advisor Pay Plan Diagnostic: The Real Reason Your HPRO and ELR Are Not Moving
This article covers how service advisor compensation plans directly produce or suppress HPRO, effective labor rate, and customer retention.

Tony Fiorillo
Apr 227 min read


Virtual F&I: Present Products Online Without Losing Customers
This article covers where digital F&I specifically breaks and how to fix it with practical steps.

Tony Fiorillo
Apr 228 min read


F&I Objection Handling: 15 Real Objections + Responses
This article covers 15 real F&I objections organized by category, with scripted responses built on a four-step framework that protects both trust and compliance.

Tony Fiorillo
Apr 229 min read


F&I Packaging Strategy for 2026: Worst to Best Examples
This article breaks down how to build your F&I packaging strategy, how to differentiate the tiers so customers move up rather than default to the cheapest option, and how to handle competitive quotes when they come up without discounting your way to zero gross.

Tony Fiorillo
Apr 227 min read


The Fixed Ops Profit Playbook: 7 KPIs Every Dealer Principal Should Watch Monthly
Some months automotive fixed operations looks busy but absorption says otherwise. Learn the 7 fixed ops KPIs

Tony Fiorillo
Mar 410 min read


Service Absorption 101: How Fixed Ops Can Cover 100% of Your Overhead
Fixed ops absorption explained: how to calculate service absorption, define overhead consistently, spot the bottlenecks that cap results, and use high-impact levers to reach 100% dealership overhead coverage.

Tony Fiorillo
Mar 415 min read


What Is Automotive Fixed Operations?
Automotive fixed operations explained: what it includes (service, parts, collision, recon), how it differs from variable ops, and the KPIs that drive retention, absorption, and long-term dealership profit.

Tony Fiorillo
Mar 423 min read


Menu Selling F&I: A trust-first presentation
Most customers don’t walk into the finance office worried about your menu. They walk in worried about one thing: their deal changing at the last second. When that fear shows up, everything gets harder. They stop listening, start guarding their wallet, and interpret every product as a “payment game”—even when you’re trying to do the right thing. As a result, you get more objections, longer closes, more re-contracting, and CSI comments that sting. However, you can keep the ben

Tony Fiorillo
Mar 417 min read


Sales-F&I Handoff: Keep Momentum and Boost Product Acceptance
Most dealerships treat the Sales → F&I handoff like a simple escort, when it’s actually a make-or-break trust moment. Here's a repeatable, 60-second warm handoff system – scripts, a minimum checklist, and a lightweight manager cadence.

Tony Fiorillo
Feb 811 min read


Selling F&I Products in 2026: Full Guide
In this guide, we’ll lay out a trust-first process that starts before the customer reaches the box, keeps payment integrity intact, and uses a simple menu + scripts + scorecard to improve acceptance without hurting CSI.

Tony Fiorillo
Feb 812 min read


4 F&I Profitability Strategies: Simple, Fast Ways to Boost Back-End Gross
You don’t need a dozen new products or a 40-page process manual. In this article, we’ll walk through a small set of F&I profitability strategies that move the needle right now

Tony Fiorillo
Feb 811 min read
bottom of page