The Retail Owners Institute empowers retailerswith financial know-how

Monthly Retail Sales Trends • Free PROFITS Forecaster • Online Course: Controlling Retail Profits And much more!

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Inventory Control | Open-to-Buy plans

Index of Sales Potential • Free SPEEDY Open-to-Buy Calculator • Online courses: Turnover & Open-to-Buy  | GMROI  • And much more!

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Retail Cash Flow control

GMROI Growth Rater • Free SPEEDY Cash Flow Forecaster • Online Course: INTEGRATED Retail Cash Flow • And much more!

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The ROI's goal:

Enable any retailer, anywhere, to improve their business financially. Put the fun back into retailing!

There are many ways to succeed in retailing. But, retail failures have only one cause: financial.

That is why The Retail Owners Institute® has been built. The ROI, as it is known, is now the foremost self-help financial management resource for retailers and store owners. 

Thousands of retailers come to The ROI each month, to take advantage of The ROI's practical how-to info and unique, easy-to-use tools to control profits, debt, inventory, and cash.

Use The ROI for your own stores. Make more informed business decisions, faster. 

"Turn on your financial headlights!"


Play "What if...?" - Free

Online PROFITS Forecaster SPEEDY Headlights Cash Flow Forecaster Basic OTB Calculator

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What People Say About The ROI

"You have re-inspired me! Thank you!"
--Owner, Home Accessories Stores

"Your information plus The ROI's online tools are very powerful, and have made a big difference in the management of our family business. Thank you for your service to our family and the many other retail families you've reached."
--Owner,  Music Stores

"You make so much sense. Your website and tools and webinars are exceptionally great. Now I've started to see the light and how to manage inventory turns to manage cash. Love your stuff!"
--Co-Owner, Specialty Boutique

"This is really good foundational info. Thank you very much!"
--CPA; Founder, Community Gallery  

"I have changed the way I look at my financial statements forever! Very informative. Thank you."
--President, Furniture Stores

"I've been in retailing a long time and regularly work with our buyers on Open-to-Buy. I think your OTB Calculator is really remarkable. It's easy, quick and effective. Thank you for providing it."
--CFO, 17-Store Sporting Goods Chain

"Thank you for the great seminar today. I feel as though I have attended a college class in business - without the stress of finals!"
-- Owner, Hardware Store

"If I had had this information seven years ago, I would not have opened our second location, which we closed last year. This is very helpful and useful."
--President, Consumer Electronics Retailer

"I learned a lot, and found it easy to understand. I'm really impressed by how accessible you make this complicated financial information."
--Specialty Store Owner

"This has really made a difference for us! It's acted as a springboard to initiate a new philosophy of spending at our store. The ROI has had a profound effect on our business. Thank you."
--Owner, Gift Shop

"Your site is very good and the information is always very useful. We are about to open another store. Keep up the great work!"
--Owner/President, Gourmet Food Shops 

"The ROI has been very helpful to me. Easy to follow and informative. Thank you very much!"
--Retail Operations Manager, Museum Store

"The Co-Founders of The Retail Owners Institute, Pat Johnson and Dick Outcalt, are the Zen masters of retail financial management."
--Editor, Retail Industry Publication


"Our retailers need help with inventory control and cash flow, and how to make better business decisions. You are right on point!"
--Manager, Field Business Consultants, Convenience Store Franchiser

"I want all 28 of our S.B.D.C. Certified Business Advisors to use this whenever they are working with a retailer."
--State Program Director, Small Business Development Centers

"I want to thank you for all your enthusiasm. It is very apparent that you have the best interests of the small retailer in mind, and provide them with valuable information to survive and grow their business."
--Vice-President, Small Business Services, Union Bank of California

"There's not much we can do to help our retailers' top line. But by offering them access to all of The ROI, maybe we CAN help them with their bottom line!"
--President, National Shoe Retailers Association 


Get It All! Try The ROI Now

50 HOW-TO MANAGEMENT GUIDES - Inventory, Profits, Cash Flow

Make your stores financially stronger. 

Most extensive self-help resources on retail financial management. 

More than 50 substantive how-to articles by retail experts. Unlimited, on-demand access, 24/7, for ROI Members. 



See "What would happen if I...?" 

Easy and fast for retailers. Online, in the cloud. Nothing to download or install. 

Get answers for yourself - fast! "How much profit?" "How much inventory?" "Where's the cash?"


Hours of consulting tips, strategic how-to guidance.

Lively, entertaining, time saving. Unlimited access for Members. 

Address the most demanding growth and survival issues for retailers: profits; debt; inventory; cash flow; vendor, landlord & bank relationships; GMROI.


Learn, then use, retailing's fundamental financial levers. 

Use The ROI's unique "eLearning Kits". Each Kit includes a structured how-to training course plus a specialized retail calculator. Practical and fast for retailers to use. See the What, Why & How of retail financial management and inventory control.


Amazing Value • Available Nowhere Else

It's easy to get ALL of The ROI for yourself. ROI Members have unlimited access, 24/7, to all 94 remarkable tools and resources in The ROI. click here  • try it now!  

"Turn on your financial headlights!"