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Ameriprise Financial Services vs ACT — which franchise is the better buy?
Side by side from the public FDDs — no franchisor spin.
| Ameriprise Financial Services | ACT | |
|---|---|---|
| Disclosure honesty | A | B |
| Investment from | $12,098 | $83,447 |
| Total fees | — | 9% |
| Outlets | 5,578 | 128 |
| Lawsuits | 8 | 2 |
Ameriprise Financial Services: what their numbers say
Extensive GDC payout grids (72%-91%), average gross income $19,985-$2,525,741 depending on production level. Detailed bonus programs, deferred compensation, and risk management tiered compensation disclosed.
ACT: what their numbers say
2025 data: 116 qualifying units, avg gross revenue $609,587, avg gross profit $365,706. Year-over-year revenue growth 4.6%. Quartile breakdowns provided. Cherry-picking: excludes 12 units (11 mid-year opens, 1 limited schedule), excludes terminated/ceased operations.
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