Ameriprise Financial Services, LLC Independent Advisor Business vs Charles Schwab

Franchise Comparison 2026

Both Ameriprise Financial Services, LLC Independent Advisor Business and Charles Schwab are financial services franchises. Ameriprise Financial Services, LLC Independent Advisor Business requires an investment of $10K – $138K while Charles Schwab requires $104K – $222K. In terms of revenue, Charles Schwab reports higher average unit revenue at $45.0M. FranchiseVerdict rates Ameriprise Financial Services, LLC Independent Advisor Business A (Top Quintile) and Charles Schwab A (Top Quintile).

Metric	Ameriprise Financial Services, LLC Independent Advisor Business	Charles Schwab
Verdict Grade	ATop QuintileTop Quintile	ATop QuintileTop Quintile
Investment Range	$10K – $138K	$104K – $222K
Franchise Fee	$2K	$50K
Royalty Rate	Franchisor retains a percentage of GDC (Gross Dealer Concession) per a Compensation Reference Guide payout grid. Franchisee receives the balance after deduction of Association Fee and other charges. Payout rate ranges from 72% to 91% based on production level (GDC). The 2025 average payout rate ranged from 73.7% to 88.0%.	0.5%
Average Revenue (Item 19)	$3.1M	$45.0M
SBA Charge-Off Rate	N/A	Limited data
Total Units	5,462	382
Unit Growth (YoY)	N/A	N/A
Year Began Franchising	1999	2011
FDD Year	2026	2026

Ameriprise Financial Services, LLC Independent Advisor Business

ATop Quintile

Charles Schwab

ATop Quintile

Investment Range

$10K – $138K

$104K – $222K

Franchise Fee

$2K

$50K

Royalty Rate

Franchisor retains a percentage of GDC (Gross Dealer Concession) per a Compensation Reference Guide payout grid. Franchisee receives the balance after deduction of Association Fee and other charges. Payout rate ranges from 72% to 91% based on production level (GDC). The 2025 average payout rate ranged from 73.7% to 88.0%.

0.5%

Average Revenue (Item 19)

$3.1M

$45.0M

SBA Charge-Off Rate

N/A

Limited data

Total Units

5,462

382

Unit Growth (YoY)

N/A