Ameriprise Financial Services, LLC Independent Advisor Business vs SmartBooks Partners
Franchise Comparison 2026
Both Ameriprise Financial Services, LLC Independent Advisor Business and SmartBooks Partners are financial services franchises. Ameriprise Financial Services, LLC Independent Advisor Business requires an investment of $10K – $138K while SmartBooks Partners requires $58K – $79K. Ameriprise Financial Services, LLC Independent Advisor Business has SBA lending data on file with a 0.3% charge-off rate. FranchiseVerdict rates Ameriprise Financial Services, LLC Independent Advisor Business A (Strongest tier) and SmartBooks Partners D (Below average).
| Metric | Ameriprise Financial Services, LLC Independent Advisor Business | SmartBooks Partners |
|---|---|---|
| Verdict Grade | AStrongest tierStrongest tier | DBelow averageBelow average |
| Investment Range | $10K – $138K | $58K – $79K |
| 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%. | 8.0% |
| Average Revenue (Item 19) | N/A | N/ACompany-owned only · n=1 |
| SBA Charge-Off Rate | 0.3% (473 loans) | N/A |
| Total Units | 5,462 | 1 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 1999 | 2021 |
| FDD Year | 2026 | 2021 |
Ameriprise Financial Services, LLC Independent Advisor Business
AStrongest tierStrongest tier
SmartBooks Partners
DBelow averageBelow average
Investment Range
$10K – $138K
$58K – $79K
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%.
8.0%
Average Revenue (Item 19)
N/A
N/ACompany-owned only · n=1
SBA Charge-Off Rate
0.3% (473 loans)
N/A
Total Units
5,462
1
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
1999
2021
FDD Year
2026
2021