Empowering Retail Owners Institute

Strategic Responses to COVID-19 from The Co-Founders

Since March 2, 2020, we have been addressing the impact of the COVID-19 virus on independent retailers 

(go here to see them all.)

For early access to all of our recommendations and resources for independent retailers, 

sign up for your own free copies of The ROI NEWS. 

We are here for you!

The ROI has self-serve resources and tools available precisely for uncertain times. 

Tell your fellow retailers about all this as well. We are all in this together. And we will get through it together. 

Meanwhile, stay strong and be well.

Q & A


Worried about what's next, after COVID-19?

Uncertain about the best "survival strategy" for your business?

Have some ideas for how to re-invent your stores, but...?

Time to take advantage of a free Q&A session with Pat & Dick!

The Co-Founders of The ROI, Retail Strategists Pat Johnson and Dick Outcalt, are available to "talk shop" with you! 

Just go here to schedule your private session. It's free!


The ROI News

Practical How-To Tools & Info • Specially for Busy Retailers

Gain more financial control. Worry less. And put the fun back into retailing!

click each box – see for yourself 

Go to INVENTORY Management & Control More about Cash Flow Control Control retail profits Retail 'What if...?' CalculatorsGo to BENCHMARKS 


How to make your advertising more strategic...
At no added cost!




 Free Access   All Week Long


More STRATEGIC Advertising

July 6, 2020
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The entire Weathering a Crisis section of the OWNERS Center: Crisis Ahead: Use the Lead Time (Be sure to click SHOW ALL button.)


How-to articles

Projecting calculators for "What if...?" planning

Assessment tools

And now, unlimited free access for everybody.

Free Access
Retailer's 3-in-1 INTEGRATED Cash Flow Calculator

Gain peace of mind. Face the future with confidence! Yes, even in today's changing world.

The ROI's 3-in-1 INTEGRATED Cash Flow Calculator enables any retailer, anywhere, to quickly generate 

  1. a profit plan (budget) for the next 12 months
  2. plus an Open-to-Buy (inventory buying) plan 
  3. plus the resulting cash flow projection! 

All from the same few inputs!

It's a complete, integrated financial plan, specifically for a retailer's unique cash flow planning. Let's you readily compare-and-contrast the implications of your potential next steps. 

More Ready-for-Action Help

Empowering and informative, these how-to articles offer practical steps you can take right now in your stores.

Dealing with a Cash Crunch

How to Cut Inventory – Fast!

How to Lead Your Business Through a Crisis


Why The ROI?

There are lots of ways to succeed in retailing. 

But there is only one reason why retailers fail. 

That sole cause? They fail financially. 

Whether it is a national chain or a neighboring deli, failure is caused by running out of cash, the financial lifeblood of a business. But few retailers are attracted to the financial part. Until they need to be.

That is exactly why The Retail Owners Institute has been built:
to help retailers avert failure. 


Only The ROI is dedicated to offering basic financial understanding and empowering online financial projecting tools to retailers worldwide. 

When retail owners can "turn on their financial headlights" to see ahead, see for themselves "What would happen if I...?", they are able to make needed adjustments to avert failure.

"All it takes is a little desire...and a web browser!"

What People Say About The ROI

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


"I joined ROI this year and Love it!! There is no other place where retailers can get all this great info in one place nor specific training tailored to retailers. ROI is well worth the membership fee. Thank you!"
--Owner, Gift Shop & Gallery


"The ROI is a source of inspiration and emotional energy. Nice! It's good to push owners, to challenge their status quo. Complacency is the enemy in times like this."
--3rd Generation Retailer, Audio/Video


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


"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


"Much appreciated...love your clarity and your service. You guys are spot on!!"
--Co-Owner, Housewares Shop


"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 


"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


"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


"Much appreciated...love your clarity and your service. You guys are spot on!!"
--Vice-President, Buying Group


"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 


Sounding Board for RetailersNew! For All Retailers     

Disruptive Changes? Growing Concerns? Want Another Perspective? 

Tap into this new service specifically for retail owners and decision-makers.

Private telephone or web conferences with The ROI Co-Founders

Totally confidential • You choose the topics • It's your sounding board! 

Click here. More info. Get your free session.


ROI Members Get Even More

Just click each button for more info...

The ROI's Library for Owners Online Projecting Calculators Retail eLearning Courses  Short Videos 


MEMBER ACCESS Privileges = unlimited access to ALL of The ROI

Go to the SUBSCRIBE page (click here) and make your choice.


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