Am I naive to believe I will get into a Ph.D. program in Business?

[PTEM]

Undergrad in the 90's at a BigTen school ranked for Psych, though had a poor GPA (2.85/4.0). In the 90's I also took 14 hours of at-large graduate coursework (education theory and MBA courses) with a 4.0 GPA. I recently finished a Masters in Finance at a ranked university with a 3.452/4.0. Twenty years of professional experience in municipal law enforcement and insurance investigations. Need to retake the GRE/GMAT due to age. 

[Neist]

I have no basis of providing you with a solid answer, only my gut intuitions, but I'd think you'd have a chance. People always say that life experiences can really help an application to a receptive program, and you definitely have life experience.

If I were you, I'd remain hopeful.  Of course, I could be naive as well, so.