Home › Financial Services - Independent Advisor Franchise › Ameriprise Financial Services, LLC Independent Advisor Business
The real numbers on owning a Ameriprise Financial Services, LLC Independent Advisor Business franchise
Financial Services - Independent Advisor Franchise · FDD 2026 · from public state filings
CDisclosure honesty
This franchisor discloses earnings (Item 19) — but read how.
★★★☆☆FranchiseValidate transparency rating: 3/5
Investment
$9,577–$138,403
Total fees
—
Outlets
3,738
Closure signals
83 ceased, 104 terminated
Lawsuits
8
Is Ameriprise Financial Services, LLC Independent Advisor Business worth it? How it compares to 134 similar franchises
Startup cost
from $9,577
cheaper than most (median $130,000)
Disclosure honesty
Grade C
typical for the category
Closure rate
2.2% of outlets
about average
Disclosed lawsuits
8
more litigious than 93% of peers
Benchmarked against every other franchises franchise we've graded from public FDDs — the context the franchisor's pitch never gives you.
What their own earnings claim actually says
Discloses actual 2025 GDC earnings by production level (43.4% earned $1M+). Average payout 73.7-88% after fees. Cherry-picks: excludes expenses, shows only median/ranges, favors top producers.
Failure & turnover reality (Item 20)
83 ceased 2025; -104 net 2024. High turnover; significant litigation exposure.
Legal history (Item 3)
8 matters disclosed.
Get the full Ameriprise Financial Services, LLC Independent Advisor Business validation report — $149
The franchisor won't put real owner profit in writing. We do — reconstructed from their own FDD.
Franchisor's framing: Discloses actual 2025 GDC earnings by production level (43.4% earned $1M+). Average payout 73.7…
🔒 Real estimated owner take-home (low / median / high) — unlocked in the report
Reconstructed owner P&L — net take-home after royalty, ad fund, rent, labor & debt
Break-even timeline + cash-on-cash ROI on your investment
Full fee stack + required-purchase markups
Decoded real failure / closure rate
How it ranks vs comparable franchises
Validation-call playbook — who to call + the exact questions
How much does a Ameriprise Financial Services, LLC Independent Advisor Business franchise cost?
The FDD lists a total initial investment of about $9,577–$138,403, including a $1,500 initial franchise fee.
How much do Ameriprise Financial Services, LLC Independent Advisor Business franchise owners make?
Discloses actual 2025 GDC earnings by production level (43.4% earned $1M+). Average payout 73.7-88% after fees. Cherry-picks: excludes expenses, shows only median/ranges, favors top producers. We grade this disclosure C for honesty.
What is the Ameriprise Financial Services, LLC Independent Advisor Business franchise failure rate?
83 ceased 2025; -104 net 2024. High turnover; significant litigation exposure.
Is a Ameriprise Financial Services, LLC Independent Advisor Business franchise worth it?
It depends on the numbers, not the pitch. Ameriprise Financial Services, LLC Independent Advisor Business scores C on disclosure honesty, and discloses 8 legal matters. Get the real owner take-home before you sign.
Own a Ameriprise Financial Services, LLC Independent Advisor Business? Add your real numbers (anonymous)
We publish only aggregated benchmarks — never your name. Contribute and we'll show you how your numbers compare.
Compare Ameriprise Financial Services, LLC Independent Advisor Business to similar franchises
Source: WI DFI Franchise Registration (2026). FranchiseValidate is independent and not affiliated with Ameriprise Financial Services, LLC Independent Advisor Business or its franchisor. Figures are extracted from the franchisor's own public disclosure document; verify against the current FDD before any decision.