---
title: Tips to Improve Your F&I Process with Your Customers
description: The F&I process is crucial in every dealership. According to research by NADA, an average dealership company reaps half of its profits from F&I products.
image: https://blog.vanguarddealerservices.com/hubfs/f-i-desking-1200.jpg
---

Your partner for profits!

![Phone Icon](https://blog.vanguarddealerservices.com/hs-fs/hubfs/raw_assets/public/vanguard_theme_2023/images/icons/phone.png?width=16&height=16&name=phone.png) [(973) 575-7171](tel:1-973-575-7171)

[![blog-logo](https://blog.vanguarddealerservices.com/hs-fs/hubfs/blog-logo.png?width=300&height=50&name=blog-logo.png "blog-logo")](https://blog.vanguarddealerservices.com/)

Open

- [About](https://www.vanguarddealerservices.com/about-vanguard-dealer-services/)
- [Products](https://www.vanguarddealerservices.com/products/)
- [Services](https://www.vanguarddealerservices.com/services/)
- [Contact](https://www.vanguarddealerservices.com/contact-us/)
- [Blog](https://blog.vanguarddealerservices.com)

![](https://blog.vanguarddealerservices.com/hubfs/f-i-desking-1200.jpg)

March 22, 2021

# Tips to Improve Your F&I Process with Your Customers

Topics:

- [F&I](https://blog.vanguarddealerservices.com/topic/fi)
- [F&I Specialist](https://blog.vanguarddealerservices.com/topic/fi-specialist)
- [F&I Profits](https://blog.vanguarddealerservices.com/topic/fi-profits)

![f-i-desking-1400](https://blog.vanguarddealerservices.com/hs-fs/hubfs/f-i-desking-1400.jpg?width=1400&name=f-i-desking-1400.jpg)

The F&I process is crucial in every dealership. According to research by [NADA](https://www.autonews.com/finance-insurance/fi-profits-hold-steady-dealers), an average dealership company reaps half of its profits from F&I products. Therefore F&I process and strategy need to be exemplary. Companies are consistently looking for approaches to improve their sales processes and customer experience. Below are four ways to improve the F&I process in your dealership.

1. **Frequent Review of the F&I Products**

The F&I managers, together with the rest of the team, have a role in reviewing terms with the customer and ensuring that they receive the vehicle in an entirely satisfactory condition. Remember, buying a car is a major purchase.

The reviews should be provided for in a diligent manner since laws keep changing. It’s prudent to keep in mind that consumers have negative and positive perceptions and plan responses accordingly. Therefore, your employees must be on board with the dealership approach and make appropriate adjustments.

1. **Roll playing Among Business Managers**

Roll playing offers a safe atmosphere for business managers to work through or confront different scenarios in their day-to-day roles. Business managers who engage in roll playing activities may have the edge over non-roll playing competitors. It builds confidence and helps the team to develop creative problem-solving skills. It also assists in developing better listening skills, which are crucial when dealing with customers. The activity should be offered to the team as an ongoing training opportunity and not just a one-time event.

1. **Scheduled Review Meetings with Your Team**

Once you set a strategy to improve the F&I process, you need to review what is successful and determine what requires improvement. Involve your team in the assessment. Due to the exceptional dynamism in the automotive business environment, you have to carry out the reviews consistently. Make sure you schedule the time.

You may realize the need for an expert’s insights to effectively help your company adjust and align your approach. With any changes that are made, ensure that you have an effective way of communicating the updates or changes to everyone on the team.

1. **Ask for Feedback**

[Gartner Research](https://www.superoffice.com/blog/voice-of-customer/) reveals that companies that actively listen to customer feedback use 25% less effort to retain clients than those who do not. Nail down a tactic that collects effective feedback from customers.

Your clients will realize the quality of your process firsthand. They are in a position to help you define the best experience possible. Their insight is crucial in understanding the areas that you may have overlooked or disregarded.

The last few years have been lucrative in terms of automotive sales and the trend is expected to continue. If you are looking to improve sales processes and customer experience, you should enhance your F&I process's efficiency.

[Contact us](https://www.vanguarddealerservices.com/contact-us/) today to learn more about our services and how we can help you with your dealership requirements.

#### Related Posts

[![3\_Ways\_Dealership\_Compliance\_Can\_Make\_or\_Break\_Your\_Dealership.jpg](https://blog.vanguarddealerservices.com/hs-fs/hubfs/Blog_Images/3_Ways_Dealership_Compliance_Can_Make_or_Break_Your_Dealership.jpg?width=352&name=3_Ways_Dealership_Compliance_Can_Make_or_Break_Your_Dealership.jpg)](https://blog.vanguarddealerservices.com/3-ways-dealership-compliance-can-make-or-break-your-dealership)

##### [3 Ways Dealership Compliance Can Make or Break Your Dealership](https://blog.vanguarddealerservices.com/3-ways-dealership-compliance-can-make-or-break-your-dealership)

[![](https://blog.vanguarddealerservices.com/hs-fs/hubfs/FI-Process-Retain-1200.jpg?width=352&name=FI-Process-Retain-1200.jpg)](https://blog.vanguarddealerservices.com/how-you-can-continue-to-improve-your-fi-process-to-retain-customers)

##### [How You Can Continue to Improve Your F&I Process to Retain Customers](https://blog.vanguarddealerservices.com/how-you-can-continue-to-improve-your-fi-process-to-retain-customers)

Search

### Recent Posts

- [Reinsurance Reimagined: Building Long-Term Wealth Through the Right Structure](https://blog.vanguarddealerservices.com/reinsurance-reimagined-building-long-term-wealth-through-the-right-structure)
- [Desking and F&I: Breaking Down Silos to Boost PVR and CSI](https://blog.vanguarddealerservices.com/desking-and-fi-breaking-down-silos-to-boost-pvr-and-csi)
- [F&I for Fixed Ops: Introducing Products Through the Service Drive](https://blog.vanguarddealerservices.com/fi-for-fixed-ops-introducing-products-through-the-service-drive)

### Posts by Topic

- [Dealership Strategy](https://blog.vanguarddealerservices.com/topic/dealership-strategy)
- [F&I](https://blog.vanguarddealerservices.com/topic/fi)
- [Dealership Sales](https://blog.vanguarddealerservices.com/topic/dealership-sales)
- [Dealership Employees](https://blog.vanguarddealerservices.com/topic/dealership-employees)
- [Dealership Customers](https://blog.vanguarddealerservices.com/topic/dealership-customers)
- [F&I Process](https://blog.vanguarddealerservices.com/topic/fi-process)
- [Customer Retention](https://blog.vanguarddealerservices.com/topic/customer-retention)
- [Dealership Solutions](https://blog.vanguarddealerservices.com/topic/dealership-solutions)
- [F&I Managers](https://blog.vanguarddealerservices.com/topic/fi-managers)
- [dealership compliance](https://blog.vanguarddealerservices.com/topic/dealership-compliance)
- [compliance](https://blog.vanguarddealerservices.com/topic/compliance)
- [Customer Service](https://blog.vanguarddealerservices.com/topic/customer-service)
- [F&I Compliance](https://blog.vanguarddealerservices.com/topic/fi-compliance)
- [Dealership Operations](https://blog.vanguarddealerservices.com/topic/dealership-operations)
- [F&I Business Manager](https://blog.vanguarddealerservices.com/topic/fi-business-manager)
- [F&I Profits](https://blog.vanguarddealerservices.com/topic/fi-profits)
- [F&I Specialist](https://blog.vanguarddealerservices.com/topic/fi-specialist)
- [Sales Motivation](https://blog.vanguarddealerservices.com/topic/sales-motivation)
- [Automotive F&I Training](https://blog.vanguarddealerservices.com/topic/automotive-fi-training)
- [Dealership Profits](https://blog.vanguarddealerservices.com/topic/dealership-profits)
- [Social Media](https://blog.vanguarddealerservices.com/topic/social-media)
- [dealership best practices](https://blog.vanguarddealerservices.com/topic/dealership-best-practices)
- [customer experience](https://blog.vanguarddealerservices.com/topic/customer-experience)
- [Dealership Social Media](https://blog.vanguarddealerservices.com/topic/dealership-social-media)
- [F&I Products](https://blog.vanguarddealerservices.com/topic/fi-products)
- [Finance & Insurance](https://blog.vanguarddealerservices.com/topic/finance-insurance)
- [Dealer-Owned Reinsurance](https://blog.vanguarddealerservices.com/topic/dealer-owned-reinsurance)
- [Lifelong Customers](https://blog.vanguarddealerservices.com/topic/lifelong-customers)
- [Dealership Training](https://blog.vanguarddealerservices.com/topic/dealership-training)
- [Automotive dealership compliance](https://blog.vanguarddealerservices.com/topic/automotive-dealership-compliance)
- [Finance and Insurance](https://blog.vanguarddealerservices.com/topic/finance-and-insurance)
- [Sales Department](https://blog.vanguarddealerservices.com/topic/sales-department)
- [Brand Awareness](https://blog.vanguarddealerservices.com/topic/brand-awareness)
- [Dealership Products](https://blog.vanguarddealerservices.com/topic/dealership-products)
- [Dealership Success](https://blog.vanguarddealerservices.com/topic/dealership-success)
- [reinsurance](https://blog.vanguarddealerservices.com/topic/reinsurance)
- [training](https://blog.vanguarddealerservices.com/topic/training)
- [Customer Satisfaction](https://blog.vanguarddealerservices.com/topic/customer-satisfaction)
- [Dealer-Owned Reinsurance Company](https://blog.vanguarddealerservices.com/topic/dealer-owned-reinsurance-company)
- [Automotive Marketing](https://blog.vanguarddealerservices.com/topic/automotive-marketing)
- [Dealer Compliance](https://blog.vanguarddealerservices.com/topic/dealer-compliance)
- [dealer audits](https://blog.vanguarddealerservices.com/topic/dealer-audits)
- [employees](https://blog.vanguarddealerservices.com/topic/employees)
- [vehicle service agreements](https://blog.vanguarddealerservices.com/topic/vehicle-service-agreements)
- [Automotive Industry](https://blog.vanguarddealerservices.com/topic/automotive-industry)
- [Fill-in F&I Specialists](https://blog.vanguarddealerservices.com/topic/fill-in-fi-specialists)
- [Vehicle Service Contract](https://blog.vanguarddealerservices.com/topic/vehicle-service-contract)
- [Automotive Management Training](https://blog.vanguarddealerservices.com/topic/automotive-management-training)
- [Automotive Trends](https://blog.vanguarddealerservices.com/topic/automotive-trends)
- [Hiring](https://blog.vanguarddealerservices.com/topic/hiring)
- [Service Drive](https://blog.vanguarddealerservices.com/topic/service-drive)
- [Business Managers](https://blog.vanguarddealerservices.com/topic/business-managers)
- [Communication](https://blog.vanguarddealerservices.com/topic/communication)
- [Dealership Online Sales](https://blog.vanguarddealerservices.com/topic/dealership-online-sales)
- [dealership branding](https://blog.vanguarddealerservices.com/topic/dealership-branding)
- [Auto Dealer Compliance Fines](https://blog.vanguarddealerservices.com/topic/auto-dealer-compliance-fines)
- [Dealership Recruiting](https://blog.vanguarddealerservices.com/topic/dealership-recruiting)
- [Menu selling](https://blog.vanguarddealerservices.com/topic/menu-selling)
- [Dealership Brand](https://blog.vanguarddealerservices.com/topic/dealership-brand)
- [Dealership Trends](https://blog.vanguarddealerservices.com/topic/dealership-trends)
- [Digital Retailing](https://blog.vanguarddealerservices.com/topic/digital-retailing)
- [Electric Vehicles](https://blog.vanguarddealerservices.com/topic/electric-vehicles)
- [Online Reputation](https://blog.vanguarddealerservices.com/topic/online-reputation)
- [Service Agreement](https://blog.vanguarddealerservices.com/topic/service-agreement)
- [automotive finance and insurance training](https://blog.vanguarddealerservices.com/topic/automotive-finance-and-insurance-training)
- [Auto Dealer Compliance Issues](https://blog.vanguarddealerservices.com/topic/auto-dealer-compliance-issues)
- [Compliance Training](https://blog.vanguarddealerservices.com/topic/compliance-training)
- [Dealership Management Training Program](https://blog.vanguarddealerservices.com/topic/dealership-management-training-program)
- [Dealership Partners](https://blog.vanguarddealerservices.com/topic/dealership-partners)
- [Dealership Process](https://blog.vanguarddealerservices.com/topic/dealership-process)
- [F&I Vendors](https://blog.vanguarddealerservices.com/topic/fi-vendors)
- [Sales Process](https://blog.vanguarddealerservices.com/topic/sales-process)
- [Automotive Business Manager Training](https://blog.vanguarddealerservices.com/topic/automotive-business-manager-training)
- [Car Technology](https://blog.vanguarddealerservices.com/topic/car-technology)
- [Deal Audits](https://blog.vanguarddealerservices.com/topic/deal-audits)
- [Dealer Equity Plan](https://blog.vanguarddealerservices.com/topic/dealer-equity-plan)
- [Dealer Equity programs](https://blog.vanguarddealerservices.com/topic/dealer-equity-programs)
- [Dealership Advertising](https://blog.vanguarddealerservices.com/topic/dealership-advertising)
- [Dealership Management](https://blog.vanguarddealerservices.com/topic/dealership-management)
- [Dealership Service](https://blog.vanguarddealerservices.com/topic/dealership-service)
- [Environmental Protection](https://blog.vanguarddealerservices.com/topic/environmental-protection)
- [GPS](https://blog.vanguarddealerservices.com/topic/gps)
- [OFAC](https://blog.vanguarddealerservices.com/topic/ofac)
- [Online Sales](https://blog.vanguarddealerservices.com/topic/online-sales)
- [Paintless Dent Repair](https://blog.vanguarddealerservices.com/topic/paintless-dent-repair)
- [Service Department](https://blog.vanguarddealerservices.com/topic/service-department)
- [Tire and Wheel Protection](https://blog.vanguarddealerservices.com/topic/tire-and-wheel-protection)
- [Used Car Dealers](https://blog.vanguarddealerservices.com/topic/used-car-dealers)
- [facebook ads](https://blog.vanguarddealerservices.com/topic/facebook-ads)
- [AI](https://blog.vanguarddealerservices.com/topic/ai)
- [Advertising](https://blog.vanguarddealerservices.com/topic/advertising)
- [Artificial Intelligence](https://blog.vanguarddealerservices.com/topic/artificial-intelligence)
- [Compensation Structures](https://blog.vanguarddealerservices.com/topic/compensation-structures)
- [Compliance Fines for Automotive Dealers](https://blog.vanguarddealerservices.com/topic/compliance-fines-for-automotive-dealers)
- [Dealership Market](https://blog.vanguarddealerservices.com/topic/dealership-market)
- [Dealership Marketing](https://blog.vanguarddealerservices.com/topic/dealership-marketing)
- [Dealership Menu](https://blog.vanguarddealerservices.com/topic/dealership-menu)
- [Dealership Pay Plans](https://blog.vanguarddealerservices.com/topic/dealership-pay-plans)
- [Dealership Reinsurance](https://blog.vanguarddealerservices.com/topic/dealership-reinsurance)
- [Dealership Staff](https://blog.vanguarddealerservices.com/topic/dealership-staff)
- [Dealership Team](https://blog.vanguarddealerservices.com/topic/dealership-team)
- [Employee Development](https://blog.vanguarddealerservices.com/topic/employee-development)
- [Expos](https://blog.vanguarddealerservices.com/topic/expos)
- [Extended Service Contract](https://blog.vanguarddealerservices.com/topic/extended-service-contract)
- [F&I Conferences](https://blog.vanguarddealerservices.com/topic/fi-conferences)
- [F&I Menu](https://blog.vanguarddealerservices.com/topic/fi-menu)
- [F&I Tradeshow](https://blog.vanguarddealerservices.com/topic/fi-tradeshow)
- [F&I expo](https://blog.vanguarddealerservices.com/topic/fi-expo)
- [GAP Reinsurance](https://blog.vanguarddealerservices.com/topic/gap-reinsurance)
- [Pay Plans](https://blog.vanguarddealerservices.com/topic/pay-plans)
- [Positive Attitude](https://blog.vanguarddealerservices.com/topic/positive-attitude)
- [Prepared Maintenance Programs](https://blog.vanguarddealerservices.com/topic/prepared-maintenance-programs)
- [Protection Products](https://blog.vanguarddealerservices.com/topic/protection-products)
- [Sales Training](https://blog.vanguarddealerservices.com/topic/sales-training)
- [Used Cars](https://blog.vanguarddealerservices.com/topic/used-cars)
- [VSC](https://blog.vanguarddealerservices.com/topic/vsc)
- [Women in Automotive](https://blog.vanguarddealerservices.com/topic/women-in-automotive)
- [dealer reinsurance](https://blog.vanguarddealerservices.com/topic/dealer-reinsurance)
- [menus](https://blog.vanguarddealerservices.com/topic/menus)
- [red flags rule](https://blog.vanguarddealerservices.com/topic/red-flags-rule)
- [tradeshows](https://blog.vanguarddealerservices.com/topic/tradeshows)
- ["Wear and Tear"](https://blog.vanguarddealerservices.com/topic/wear-and-tear)
- [4th of July](https://blog.vanguarddealerservices.com/topic/4th-of-july)
- [Antimicrobial](https://blog.vanguarddealerservices.com/topic/antimicrobial)
- [Antimicrobial Solutions](https://blog.vanguarddealerservices.com/topic/antimicrobial-solutions)
- [Application Retention](https://blog.vanguarddealerservices.com/topic/application-retention)
- [Augmented Reality](https://blog.vanguarddealerservices.com/topic/augmented-reality)
- [Automotive Landscape](https://blog.vanguarddealerservices.com/topic/automotive-landscape)
- [Business Development Centers](https://blog.vanguarddealerservices.com/topic/business-development-centers)
- [Chargebacks](https://blog.vanguarddealerservices.com/topic/chargebacks)
- [Competitive Advantage](https://blog.vanguarddealerservices.com/topic/competitive-advantage)
- [Customer Objections](https://blog.vanguarddealerservices.com/topic/customer-objections)
- [Customer Trends](https://blog.vanguarddealerservices.com/topic/customer-trends)
- [Dealership AI](https://blog.vanguarddealerservices.com/topic/dealership-ai)
- [Dealership Administrators](https://blog.vanguarddealerservices.com/topic/dealership-administrators)
- [Dealership Consulting](https://blog.vanguarddealerservices.com/topic/dealership-consulting)
- [Dealership Finance Manager](https://blog.vanguarddealerservices.com/topic/dealership-finance-manager)
- [Dealership Onboarding](https://blog.vanguarddealerservices.com/topic/dealership-onboarding)
- [Dealership Reputation](https://blog.vanguarddealerservices.com/topic/dealership-reputation)
- [Dealership Safety](https://blog.vanguarddealerservices.com/topic/dealership-safety)
- [Direct to Consumer](https://blog.vanguarddealerservices.com/topic/direct-to-consumer)
- [EVs](https://blog.vanguarddealerservices.com/topic/evs)
- [Employee Retention](https://blog.vanguarddealerservices.com/topic/employee-retention)
- [F&I Agency](https://blog.vanguarddealerservices.com/topic/fi-agency)
- [F&I Partners](https://blog.vanguarddealerservices.com/topic/fi-partners)
- [FTC](https://blog.vanguarddealerservices.com/topic/ftc)
- [Facebook Solutions](https://blog.vanguarddealerservices.com/topic/facebook-solutions)
- [Fixed Ops](https://blog.vanguarddealerservices.com/topic/fixed-ops)
- [In-house Products](https://blog.vanguarddealerservices.com/topic/in-house-products)
- [Inflation](https://blog.vanguarddealerservices.com/topic/inflation)
- [Instant Live Video Calls](https://blog.vanguarddealerservices.com/topic/instant-live-video-calls)
- [Insurance Products](https://blog.vanguarddealerservices.com/topic/insurance-products)
- [Internal Recruiting](https://blog.vanguarddealerservices.com/topic/internal-recruiting)
- [Key Replacement](https://blog.vanguarddealerservices.com/topic/key-replacement)
- [Leasing Customers](https://blog.vanguarddealerservices.com/topic/leasing-customers)
- [Lenders](https://blog.vanguarddealerservices.com/topic/lenders)
- [Limited Warranty](https://blog.vanguarddealerservices.com/topic/limited-warranty)
- [Monroney Label](https://blog.vanguarddealerservices.com/topic/monroney-label)
- [New and Used Car Dealers](https://blog.vanguarddealerservices.com/topic/new-and-used-car-dealers)
- [OSHA](https://blog.vanguarddealerservices.com/topic/osha)
- [Onboarding Process](https://blog.vanguarddealerservices.com/topic/onboarding-process)
- [Post Pandemic](https://blog.vanguarddealerservices.com/topic/post-pandemic)
- [Product Bundles](https://blog.vanguarddealerservices.com/topic/product-bundles)
- [Product Packaging](https://blog.vanguarddealerservices.com/topic/product-packaging)
- [Profit Participation Programs](https://blog.vanguarddealerservices.com/topic/profit-participation-programs)
- [Promote From Within](https://blog.vanguarddealerservices.com/topic/promote-from-within)
- [RV F&I](https://blog.vanguarddealerservices.com/topic/rv-fi)
- [Remote Delivery](https://blog.vanguarddealerservices.com/topic/remote-delivery)
- [Roadside Assistance](https://blog.vanguarddealerservices.com/topic/roadside-assistance)
- [SEO](https://blog.vanguarddealerservices.com/topic/seo)
- [Safeguard Audits](https://blog.vanguarddealerservices.com/topic/safeguard-audits)
- [Talent Acquisition](https://blog.vanguarddealerservices.com/topic/talent-acquisition)
- [Third Brake Light Systems](https://blog.vanguarddealerservices.com/topic/third-brake-light-systems)
- [Tuition Discounts](https://blog.vanguarddealerservices.com/topic/tuition-discounts)
- [Vehicle Manufacturers](https://blog.vanguarddealerservices.com/topic/vehicle-manufacturers)
- [Vehicle safety](https://blog.vanguarddealerservices.com/topic/vehicle-safety)
- [Virtual Training](https://blog.vanguarddealerservices.com/topic/virtual-training)
- [dealership specific mobile app](https://blog.vanguarddealerservices.com/topic/dealership-specific-mobile-app)
- [self-development](https://blog.vanguarddealerservices.com/topic/self-development)
- [service agreements](https://blog.vanguarddealerservices.com/topic/service-agreements)

See All

### Follow Vanquard

- [LinkedIn](https://www.linkedin.com/company/vanguard-dealer-services/)
- [Facebook](https://www.facebook.com/vanguarddealerservices/)
- [Twitter](https://twitter.com/vanguarddealer)
- [Youtube](https://www.youtube.com/user/vanguarddealerserv)

![banner-bg](https://4247518.fs1.hubspotusercontent-na1.net/hub/4247518/hubfs/banner-bg.png?width=1680&height=1121&name=banner-bg.png)

# Knowledge powers your profits.

Our Road to ROI newsletter is a free resource with valuable advice and industry news - published every month. **Subscribe now and stay up to date on everything you need to improve your bottom line.**

![Footer Decor](https://blog.vanguarddealerservices.com/hs-fs/hubfs/raw_assets/public/vanguard_theme_2023/images/decor/decor.png?width=548&height=665&name=decor.png)

###### Our Mission Statement

We are equally devoted to our clients, as well as our employees, and are driven by passion, integrity, and ingenuity.

Our service-oriented team works every day to empower our clients to both maximize their profitability and help them create customers for life.

[![Vanguard Dealer Services](https://blog.vanguarddealerservices.com/hs-fs/hubfs/logo.png?width=300&height=39&name=logo.png "Vanguard Dealer Services")](https://blog.vanguarddealerservices.com/)

- [About](https://www.vanguarddealerservices.com/about-vanguard-dealer-services/)
- [Products](https://www.vanguarddealerservices.com/products/)
- [Services](https://www.vanguarddealerservices.com/services/)
- [Contact](https://www.vanguarddealerservices.com/contact-us/)
- [Blog](https://blog.vanguarddealerservices.com)

[(973) 575-7171](tel:1-973-575-7171)

- [![facebook](https://blog.vanguarddealerservices.com/hubfs/facebook.svg)](https://www.facebook.com/vanguarddealerservices/)
- [![x-twitter](https://blog.vanguarddealerservices.com/hubfs/x-twitter.svg)](https://twitter.com/vanguarddealer)
- [![youtube](https://blog.vanguarddealerservices.com/hubfs/youtube.svg)](https://www.youtube.com/user/vanguarddealerserv)
- [![linkedin-in](https://blog.vanguarddealerservices.com/hubfs/linkedin-in.svg)](https://www.linkedin.com/company/1248174/)

© Copyright 2026 Vanguard Dealer Services, LLC, 30 Two Bridges Rd., Suite 240 Fairfield, NJ 07004