Ameriprise Financial Services Franchise
Cost, fees, owner earnings, closure rate and litigation for a Ameriprise Financial Services franchise — pulled from the franchisor's own public FDD (2025), not its sales material.
Disclosure honesty
Ameriprise Financial Services discloses earnings (Item 19) — but the grade is how honestly. We graded it A.
What their own earnings claim actually says
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.
What a Ameriprise Financial Services franchise actually costs to run
| Fee | Disclosed | Where it comes from |
|---|---|---|
| Initial franchise fee | $1,500 | Item 5 — paid up front, before you open |
| Total initial investment | $12,098 – $130,363 | Item 7 — franchisor's own low/high estimate |
Complex multi-tier fee structure: association $290-$2,545/mo, supervision $250-$2,438/mo, errors & omissions $83-$208/mo, technology $575/mo, plus optional programs.
Royalty and ad-fund percentages are charged on gross sales — an owner pays them whether or not the location is profitable.
Ameriprise Financial Services system size and owner turnover
| Total outlets | 5,578 |
| Ceased operations | 104 |
| Transferred to new owners | 536 |
| Closure rate | 1.9% of outlets |
104 ceased operations in 2024; significant ongoing attrition from 5,641 to 5,578 outlets.
From Item 20 of the FDD 2025. Terminations and ceased operations are the franchisor's own count of owners who stopped — the number the sales pitch leaves out.
Is Ameriprise Financial Services worth it? — how it compares to 436 similar franchises
| Startup cost | from $12,098 | cheaper than most (median $138,750) |
| Disclosure honesty | Grade A | more honest than 99% of other franchises franchises |
| Closure rate | 1.9% of outlets | about average |
| Disclosed lawsuits | 8 | more litigious than 90% of peers |
Benchmarked against every other franchises franchise we've graded from public FDDs — the context the franchisor's pitch never gives you.
Owner take-home for a Ameriprise Financial Services
The franchisor's framing: Extensive GDC payout grids (72%-91%), average gross income $19,985-$2,525,741 depending on… We reconstruct what an owner actually keeps, from their own FDD.
- Reconstructed owner P&L — net take-home after royalty, ad fund, rent, labor & debt
- Break-even timeline + cash-on-cash ROI
- Full fee stack + required-purchase markups
- Decoded real failure / closure rate
- How it ranks vs comparable franchises
- Validation-call playbook — the exact questions to ask
See a full sample report → · 30-day guarantee
Ameriprise Financial Services franchise — frequently asked
- How much does a Ameriprise Financial Services franchise cost?
- The FDD lists a total initial investment of about $12,098–$130,363, including a $1,500 initial franchise fee.
- How much do Ameriprise Financial Services franchise owners make?
- 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. We grade this disclosure A for honesty.
- What are the Ameriprise Financial Services franchise fees?
- Ameriprise Financial Services' FDD discloses a $1,500 initial franchise fee. Complex multi-tier fee structure: association $290-$2,545/mo, supervision $250-$2,438/mo, errors & omissions $83-$208/mo, technology $575/mo, plus optional programs.
- What is the Ameriprise Financial Services franchise profit margin?
- Ameriprise Financial Services does not publish a franchisee net-profit margin — almost no franchisor does. What Item 19 actually shows: 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. Recurring fees alone take about a fixed cut of gross sales, before rent, labor, food or debt service. Margin has to be reconstructed from the disclosure, not read off it.
- What is the Ameriprise Financial Services franchise failure rate?
- 104 ceased operations in 2024; significant ongoing attrition from 5,641 to 5,578 outlets.
- How many Ameriprise Financial Services locations are there?
- Ameriprise Financial Services' FDD reports 5,578 total outlets, with 104 that ceased operations in the most recent reporting year and 536 transferred to new owners. Item 20 is where system health shows up before the marketing does.
- Does Ameriprise Financial Services have complaints or lawsuits?
- Ameriprise Financial Services discloses 8 legal matters in Item 3 of its FDD. Item 3 covers the franchisor's litigation history, which is the closest thing to a public record of how it treats franchisees — read the case descriptions, not just the count.
- Is a Ameriprise Financial Services franchise worth it?
- It depends on the numbers, not the pitch. Ameriprise Financial Services scores A on disclosure honesty, and discloses 8 legal matters. Get the real owner take-home before you sign.
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Source: MN CARDS 35063-202511-03 (Clean FDD 2025). FranchiseValidate is independent and not affiliated with Ameriprise Financial Services or its franchisor. Figures are extracted from the franchisor's own public disclosure document; verify against the current FDD before any decision.