Ameriprise Financial Services, LLC Independent Advisor Business Franchise
Cost, fees, owner earnings, closure rate and litigation for a Ameriprise Financial Services, LLC Independent Advisor Business franchise — pulled from the franchisor's own public FDD (2026), not its sales material.
Disclosure honesty
Ameriprise Financial Services, LLC Independent Advisor Business discloses earnings (Item 19) — but the grade is how honestly. We graded it C.
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.
What a Ameriprise Financial Services, LLC Independent Advisor Business 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 | $9,577 – $138,403 | Item 7 — franchisor's own low/high estimate |
Association $290/mo; E&O $83-209/mo; Supervision $258-2717/mo; Tech $595/mo. Extensive optional fees.
Royalty and ad-fund percentages are charged on gross sales — an owner pays them whether or not the location is profitable.
Ameriprise Financial Services, LLC Independent Advisor Business system size and owner turnover
| Total outlets | 3,738 |
| Ceased operations | 83 |
| Terminated by franchisor | 104 |
| Transferred to new owners | 521 |
| Closure rate | 2.2% of outlets |
83 ceased 2025; -104 net 2024. High turnover; significant litigation exposure.
From Item 20 of the FDD 2026. 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, LLC Independent Advisor Business worth it? — how it compares to 436 similar franchises
| Startup cost | from $9,577 | cheaper than most (median $138,750) |
| Disclosure honesty | Grade C | typical for the category |
| Closure rate | 2.2% 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, LLC Independent Advisor Business
The franchisor's framing: Discloses actual 2025 GDC earnings by production level (43.4% earned $1M+). Average payout… 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
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Ameriprise Financial Services, LLC Independent Advisor Business franchise — frequently asked
- 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 are the Ameriprise Financial Services, LLC Independent Advisor Business franchise fees?
- Ameriprise Financial Services, LLC Independent Advisor Business' FDD discloses a $1,500 initial franchise fee. Association $290/mo; E&O $83-209/mo; Supervision $258-2717/mo; Tech $595/mo. Extensive optional fees.
- What is the Ameriprise Financial Services, LLC Independent Advisor Business franchise profit margin?
- Ameriprise Financial Services, LLC Independent Advisor Business does not publish a franchisee net-profit margin — almost no franchisor does. What Item 19 actually shows: 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. 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, LLC Independent Advisor Business franchise failure rate?
- 83 ceased 2025; -104 net 2024. High turnover; significant litigation exposure.
- How many Ameriprise Financial Services, LLC Independent Advisor Business locations are there?
- Ameriprise Financial Services, LLC Independent Advisor Business' FDD reports 3,738 total outlets, with 83 that ceased operations in the most recent reporting year and 521 transferred to new owners. Item 20 is where system health shows up before the marketing does.
- Does Ameriprise Financial Services, LLC Independent Advisor Business have complaints or lawsuits?
- Ameriprise Financial Services, LLC Independent Advisor Business 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, 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.
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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.