Empowering Retail Owners Institute

Strategic Responses to COVID-19

Since March 2, 2020, Retail Strategists Pat Johnson and Dick Outcalt, Co-Founders of The ROI, have been addressing the impact of the COVID-19 virus on independent retailers. 

See below for their most recent commentary; go here to see them all.

Strategic Responses of The ROI Co-Founders to the "Pandemic Trifecta of 2020"

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 


Now's the time!

Tap into your "hidden" assets




 Free Access   All Week Long


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!"