"There are many ways to succeed in retailing. 

But retail failures have only one cause: financial." 

And that's precisely why The Retail Owners Institute® has been built: to help retailers avert failure. A self-help, online resource, The ROI is the foremost 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. 

Built specially for busy retail owners. No more intimidation from finances or accounting.

The ROI's promise: Everybody can "get it"! 

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

Inventory Control | Buying Plans | Open-to-Buy

How-To Info, Online Calculators for Retail Inventory Control and Open-to-Buy Planning

Inventory control tools and know-howThere is a cause-effect connection between sales, gross margins, and inventory turns. 

Effectively managing that balancing act is part of the art of retailing.

Retail Sales & Profits

How-to Info plus Online Calculators for Managing Retail Sales & Profits

Tools and know-how for retail profits

Retail Cash Flow Management

How-To Resources and Calculators for "What if...?" Projections & Cash Flow Control

Retail Cash Flow control

Retail Benchmarks Trend Charts

6 Key Ratios  •  5-Year Trend Charts  •  55 Retail/Restaurant Segments  •  Free Key Ratios Calculator 

Retail Benchmark Trend Charts

The OWNERS Center

 Specially for Owner "pain points"  |  Empowering How-To Resources and Tools


Survival. Cash flow. Growth strategies. Effective delegation. Crisis management. Financing. Succession plans.

Unmatched online resource. Exclusively at The ROI. Go here to find out more.


requires valid MEMBER ACCESS Privileges • go here to sign up 

"What if...?" Samplers - Markdowns | Open-to-Buy Plans | Cash Flow Control

Are we OVERBOUGHT in any departments?

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Markdowns - Timing is EVERYTHING!

June 29, 2018
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So, where's the CASH??

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Take a Quiz!

10-question quizzes. They're free. And fun! 

Take a quick quiz on the basicsPROFITS: How well do you know the P&L? How about the Balance Sheet? 

INVENTORY CONTROL: How ready are you to be a true merchant?

CASH FLOW: Ready to manage the life blood of your business?

Sit Back and Watch 

Webinar of the Week

Take advantage of free access to each Webinar of the Week. 

Engaging and empowering presentations by the Co-Founders. The ROI's promise: Everybody can "get it!"

FREE access here.


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"The Co-Founders of The Retail Owners Institute, Pat Johnson and Dick Outcalt, are the Zen masters of retail financial management."
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--Manager, Field Business Consultants, Convenience Store Franchiser

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Even more for Members at The ROI

And even more for ROI Members! 

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The one-of-a-kind retail OWNERS Center.


OWNERS CenterFor those Owner "pain points"

Survival. Cash flow. Growth strategies. Effective delegation. Crisis management. Financing. Succession plans.

Unmatched online resource. Exclusively at The ROI. Go here to find out more.

Unlimited Access | Self-Help Tools & Know-How | Specially for Busy Retailers

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