"There are many ways to succeed in retailing. 

But retail failures have only one cause: financial." 

And that is why The Retail Owners Institute® has been built. The ROI is 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. Knowledge is power!

And to gain the power and confidence of seeing ahead with The ROI's remarkable online projecting and forecasting calculators. All on their own. What peace of mind!

Welcome! Feel free to browse around! 

Exclusive Info & Tools for Retailers

Empower yourself with savvy financial know-how! Specially for busy retailers, storefront or online. 

Be like thousands of store owners and managers. Use The ROI! Here are 4 places to start - free!


Since 1999, empowering retailers and store owners to "Turn on your financial headlights!"

The ROI's Library for Owners Online Projecting Calculators Retail eLearning Courses Retail Self-Assessment Gadgets Short Videos Webinars by The Co-Founders

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 


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Only at The ROI - Retail Owners Center

As the OWNER...
You know that you have to do it all!  And The OWNERS Center at The ROI has it all! 

The unmatched online resource for retail owners. Exclusively at The ROI.

 More info

2 Special Focus Sites - Great for training key employees

We understand. There IS a lot here at The ROI. 

That's why we've also built two "special-focus" sites for retailers; two small subsets of The ROI.

Each one has a portion of The ROI's how-to content, calculators, webinars, etcetera, focused on just one major responsibility

Inventory management and control – great for buyers and aspiring buyers; 

Profits • profits • profits! – especially for managers and regional managers with P&L responsibilities. 

Those with Member or Owner Access Privileges at The ROI get all of each of these special focus sites – all of the content, calculators, webinars, etc – right here at The ROI. Plus much more!

Are you a Buyer? Or maybe an aspiring buyer? 

The Retailer's Open-to-Buy Center is the focused resource for you. 

Are you a Store Manager? Regional Manager?

You'll find that the Retailer's PROFITS Center (at SmallBizRetailer.com) is concentrated on what you need to be more effective in your job.