We Didn't Pioneer the F&I Process, We Just Make It Better. Reahard & Associates is a customer-driven F&I training company that believes today we cannot merely satisfy customers; we must instead strive to delight customers. Our objective is never to get F&I managers to sell more of “our” product, because we don’t sell any F&I products. Our only objective is to help increase F&I department income and delight customers! Who we are defines what we do, and we're good. Really good.