What is the 7-Minute Menu Process?

The Seven-Minute Menu Process is Vision Management Group's proprietary F&I menu presentation framework. It sequences the customer conversation around loan structure and ownership risk before introducing price, rather than opening with a payment-first menu. VMG's client data associates this sequencing with a shift from 1.26 to 2.76 products sold per retail unit compared to traditional, unstructured menu presentations.

How to improve F&I per vehicle retail?

Improving PVR starts with auditing PVR, PPR, and product-level penetration together, since a store can have strong individual product penetration and still have weak PVR if the rest of the menu isn't presented consistently. From there, standardizing the menu sequence, training managers on that sequence one-on-one, and tracking the same metrics weekly rather than only at month-end are the levers that move PVR.

What are best practices for F&I menu presentation?

Best practices center on sequencing, not pressure: establishing loan context and ownership risk before price, presenting every product in the same order for every customer, and training managers through one-on-one coaching on real deals rather than a generic script.

Vision Management Group vs. JM&A Group: Which F&I Consulting Partner Is Right for Your Dealership?

Vision Management
1 hour ago
6 min read

Last updated: July 27, 2026. Compiled by the Vision Management Group editorial team from publicly available company information and VMG client data.

If you're choosing between Vision Management Group and JM&A Group for F&I consulting, the decision comes down to three factors: dealership size, whether you want F&I products bundled with training, and how hands-on you need the partnership to be. Both are legitimate options for automotive dealership consulting, but they're built for different dealers, and knowing which factor matters most to your store answers most of the question before you even take a call.

Note: figures describing VMG's own results are VMG's client-reported data, not independently audited. Figures describing JM&A Group are drawn from JM&A's own public materials.

Quick Comparison

	Vision Management Group	JM&A Group
Founded	1999	Nearly 50 years (division of JM Family Enterprises)
Scale	Boutique, 100+ dealership partners	National, close to 4,000 dealerships
F&I products sold?	No, process and training only	Yes, through Fidelity Warranty Services and Fidelity Insurance Agency
On-site presence	Regular in-store coaching (Solo Sessions, live coaching)	Field consulting, often tied to broader engagements
Industries served	Automotive and RV	Primarily automotive
Published guarantee	23% revenue increase guarantee	No specific published numeric guarantee
Best fit for	Independent dealers, RV dealers, groups wanting process-first change	Large dealer groups wanting F&I products, training, and fixed ops under one national partner

The clearest dividing line in this table is the "F&I products sold" row. JM&A is both a product provider and a training partner, so its F&I training exists alongside a commercial incentive to place its own vehicle service contracts and related products. VMG sells no F&I products at all, which means its only commercial incentive is the process itself working. Neither structure is inherently better, but it's the single most important fact to understand before comparing the two firms on price or scope.

Who Is JM&A Group?

JM&A Group is a division of JM Family Enterprises, founded by Jim Moran, and has operated in automotive F&I for close to 50 years. It's one of the largest names in the category, serving close to 4,000 dealerships nationwide. JM&A's offering spans F&I product distribution (vehicle service contracts, GAP, and related products through Fidelity Warranty Services and Fidelity Insurance Agency), F&I training and consulting, fixed operations consulting, talent management, and Gyde, a newer F&I technology platform built to modernize menu presentation. With more than 700 associates, JM&A has the resources to support dealer groups at national scale.

Who Is Vision Management Group?

Vision Management Group is a boutique F&I and dealership operations consulting firm headquartered in Boca Raton, FL, founded in 1999 by Tony Fiorillo.

VMG works on-site with a defined portfolio of 20-plus automotive and RV dealerships, built around its proprietary Seven-Minute Menu Process, a framework that sequences the F&I conversation around loan context and ownership risk before price.

VMG reports this shifts dealerships from a 1.26 to a 2.76 products-per-retail-unit (PPR) average, roughly double the products sold per deal, and backs new engagements with a 23% revenue increase guarantee. VMG does not sell F&I products; its engagements are limited to process, training, and coaching.

Where JM&A Group Is the Better Fit

JM&A makes the most sense for large, multi-rooftop dealer groups that want F&I products, training, fixed ops consulting, and technology under a single national partner.

If your dealership already has an established F&I product provider relationship, or wants the convenience of a bundled product-and-training relationship with a company that has decades of infrastructure behind it, JM&A's scale is a genuine advantage.

Dealer groups that value having one large vendor relationship instead of managing separate product providers and training consultants will likely find JM&A's model easier to administer.

This is also where JM&A's newer Gyde platform becomes relevant. For dealer groups that want F&I technology, product distribution, and training coordinated through a single company rather than stitched together from multiple vendors, JM&A's breadth of offering is a genuine advantage that a boutique firm can't match by design. A group running dozens of rooftops across multiple states is likely to value that consolidation more than a single-store independent dealer would.

Where Vision Management Group Is the Better Fit

VMG is built for dealerships that want a process change, not a product relationship.

Independent dealers and smaller dealer groups tend to get more individualized attention from VMG's Solo Sessions and live in-store coaching than they would from a national provider serving thousands of stores.

VMG's RV dealership specialization is also a real differentiator: RV dealers looking for an F&I partner that treats RV as a core focus, rather than an automotive process applied to a different vehicle type, have fewer options than automotive dealers do, and VMG is one of them.

Dealerships that specifically want a firm with no F&I product affiliation, so the incentive is entirely in improving process rather than product attachment, are also a strong match for VMG.

Dealerships that have previously worked with a large, product-affiliated F&I provider and felt the training was secondary to product sales are also a common fit for VMG. Because VMG's engagements are limited to process, training, and coaching, a dealership evaluating VMG is evaluating exactly what it says it does, with no separate product line to weigh alongside the training relationship.

What VMG Clients Say

Dealer principals working with VMG describe measurable gains in PVR, PPD, and CSI, along with on-site support they characterize as more hands-on than prior vendor relationships.

Andrew Habberstad, Vice President and Owner of Haberstad Auto Group, said: "Partnering with Vision has been a game changer for our organization. Since implementing their processes, we've seen significant increases in our PRU and PPD along with measurable improvements in both CSI and employee satisfaction."

At Northtown Automotive, a VMG reset engagement produced more than $1.4 million in F&I gross in its first nine months.

JM&A publishes client feedback as well, including this from a dealer on JM&A's own site: "One of the best business decisions I've made was going with JM&A for my F&I needs. They have made a dramatic improvement in my bottom line."

We were not able to locate a public testimonial from a dealer who has worked with both firms directly. If your dealership has experience with both VMG and JM&A and would be willing to share a comparison, contact VMG to be considered for a future update to this post.

5 Questions to Ask Any F&I Consulting Firm Before You Sign

Does this firm sell F&I products, or only consult on process? Product-affiliated firms like JM&A have a different incentive structure than process-only firms like VMG. Neither is wrong, but you should know which one you're signing with, since it shapes how the firm's F&I training is actually delivered.
How often is someone from this firm actually in my store? Ask for the specific cadence, weekly, monthly, or quarterly, not just "ongoing support."
What happens to my results after the initial training period ends? A firm's accountability model after the first 90 days matters more than the first 90 days themselves.
Is there a published, numeric guarantee, and what exactly does it cover? VMG publishes a 23% revenue increase guarantee. Ask any firm you're evaluating for the same level of specificity.
Does this firm have real experience with my dealership type? An automotive-only firm applying a generic process to an RV store, or vice versa, is a common mismatch worth catching before you sign.

Frequently Asked Questions

Is Vision Management Group or JM&A Group better for F&I consulting?

It depends on dealership size and structure. Vision Management Group is a boutique, process-only firm best suited to independent dealers, smaller groups, and RV dealers. JM&A Group is a large national provider that bundles F&I products with training, better suited to large multi-rooftop dealer groups wanting a single vendor relationship.

What are alternatives to JM&A Group for F&I consulting?

Vision Management Group is a boutique alternative to JM&A Group for dealerships that want a process-only F&I consulting relationship without an affiliated product provider, along with dedicated RV dealership experience that JM&A does not emphasize.

Which One Should You Choose?

Vision Management Group offers a 23% revenue increase guarantee, on-site coaching through a defined process (the Seven-Minute Menu), and no F&I product affiliation to complicate the incentive structure. If your dealership wants a boutique, process-first partner, particularly if you're an independent dealer, a smaller group, or an RV dealer, VMG's F&I Solutions team can walk through your specific numbers, starting with a free Dealer Health Check-up. If your dealership is a large multi-rooftop group that wants F&I products and training bundled under one national provider, JM&A's scale is a legitimate reason to start that conversation instead.