Special Owner's Tools for Shrewd Business Decisions

It Starts With A Three Step Recipe

Available FREE, all week long  *  Exclusively at The Retail Owners Institute  

  • Shrewd Financial Decisions

    by ROI Co-FoundersJune 18, 2026
    ©Copyright, The Retail Owners Institute® and Outcalt & Johnson: Retail Strategists, LLC. All rights reserved.
    6866 Views

How To Minimize Uncertainty, Move Ahead With Confidence

Are you an Owner? Or aspire to be an Owner? 

Be prepared; there will be many decisions ahead! The challenge: How to make them decisively, with confidence?

Pat Johnson and Dick Outcalt, Co-Founders of The Retail Owners Institute® have identified three basic steps to make informed and strategic business decisions. And they are pleased to share “the secret recipe” with you.

Step #1.

Understand the cause-effect financial connections (what we call the "four financial wheels under every retail business") and how to control them

Step #2. 

Easily monitor the "telltale" warning indicators in your business

Step #3.

Need to adjust? (Of course! This is retailing!) 

Thanks to The ROI's remarkable 3-in-1 INTEGRATED Cash Flow Calculator, every retailer can see and compare their financial choices...in advance! Anytime, 24/7.

In this Webinar of the Week, Pat and Dick show how every retailer can be informed and strategic as you deal with crucial financial decisions about the business. You also will see the 3-in-1 Calculator in action. 

Be sure to take advantage of this lively, provocative and empowering how-to webinar, available only from The ROI. And free!



The Presenters

Pat Johnson and Dick Outcalt have been called "The Zen masters of retail finance!" "Doctors for business owners." "Amazing!"

The Co-Founders of The Retail Owners Institute®, Pat and Dick are recognized experts in strategic retailing. Working only as a team – Outcalt & Johnson: Retail Strategists, LLC – they have been consulting, publishing, and speaking professionally throughout North America.

They merge strategic marketing concepts with strategic financial concepts, and focus particulary on "Owner issues." They work with CEOs, CFOs, boards and owners of retail operations, as well as manufacturers or wholesalers expanding into retail.

Known as good listeners, their engaging and empowering working style with owners and decision-makers is objective and collaborative, and appreciated for its real world practicality. See Outcalt & Johnson: Retail Strategists and Retail Turnaround Experts to learn more about their in-person professional services.

FYI: There is another 2/3rds of the Institute available only to Members!

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The Strata:G® Resources have been empowering owners since 1999 to "Turn on their financial headlights!"
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