Specifically for Retail Situations

Practical, Proven, Used and Loved by Thousands of Retailers


"Am I running this business...or is it running me?!"

Having the right product at the right place at the right price at the right time for the right customer is the challenge that confronts all retailers.

The retailers who survive and thrive have mastered:

  • controlling the cause-effect relationship between profits, inventory, and cash flow;

  • looking ahead to manage the financial dynamics of retailing.

Take advantage of all the self-help resources at The ROI. Be your own retail finance and Open-to-Buy consultant!

Financial management is important to a successful retailer.

Even if you employ a financial manager, you should be aware of the financial condition of your business, and be able to project "What would happen if I...?"

The Institute is dedicated to giving you the essential basic financial knowledge needed in any capacity of retailing.

Take advantage of The ROI's practical, how-to information, training and online tools. No more intimidation from finances or accounting.

Gain more financial control.  And peace of mind! 

Basics Of Retail Finance

Income Statements (P&L's) • Balance Sheets • Ratios • Retail Math

Owners are responsible for the survival of the business.
And – balancing the Balance Sheet!

Then, owners must deal with another set of questions: 

  • What could we do?

  • What should we do?

  • What will we do?

Use The ROI. "Turn On Your Financial Headlights!"

Owners-Only Responsibilities

Banking, Financing • Strategic Planning • Survival(!) • Growth Management • Succession

Strategic Retailing

As the saying goes, "Retail is detail!"

That's why the most contented retailers are those who recognize that there are Three Levels of Issues, or Responsibilities, in every retail business.

  • Ownership level

  • President/CEO level 

  • Management level

Each level must focus on its own responsibilities (and yes, the Ownership level is its own job!)

Plus, each level must have the commensurate authority to be effective.

In that environment, everybody is empowered, and able to help "Put the fun back into retailing!"  

Strategic Store Issues 

People • Sales & Marketing • Locations • "Theatre of Retailing"


The Retail Owners Institute® has been empowering retailers since 1999 to "Turn on their financial headlights!"
Our tools and resources are trusted by thousands of store owners to help grow profitable, resilient businesses.