How Much Does a Ameriprise Financial Services, LLC Independent Advisor Business Franchise Cost?
Data from the 2026 Franchise Disclosure Document
Investment Summary
Total Investment
$10K – $138K
Franchise Fee
$2K
Royalty
Franchisor retains 9% to 28% of GDC
Ad Fund
1.0%
Cost Breakdown
Initial Franchise Fee
The initial franchise fee for Ameriprise Financial Services, LLC Independent Advisor Business is $2K. This one-time payment covers the right to operate under the brand, access to proprietary systems, and initial training programs.
Total Investment Range
Opening a Ameriprise Financial Services, LLC Independent Advisor Business franchise requires a total investment of $10K – $138K. This range typically includes real estate or leasehold improvements, equipment and fixtures, initial inventory, signage, insurance, and working capital to sustain operations during the ramp-up period.
Working capital alone ranges from $0 to $9K.
Ongoing Costs
Beyond the initial investment, Ameriprise Financial Services, LLC Independent Advisor Business franchisees pay ongoing fees. The royalty structure is: Franchisor retains 9% to 28% of GDC. The advertising or brand fund contribution is 1.0% of gross sales. There is also a technology fee of $595.
Net Worth & Liquid Capital Requirements
Ameriprise Financial Services, LLC Independent Advisor Business requires working capital of $0 – $9K to cover initial operating expenses. This is the liquid cash you should have available beyond the franchise fee and buildout costs.
What Can You Earn?
According to Ameriprise Financial Services, LLC Independent Advisor Business's Item 19 financial performance representation:
Median gross sales: $1.8M
This figure comes from Item 19 of the FDD. Gross sales are not the same as take-home profit. After deducting royalties, ad fund fees, rent, labor, and COGS, net income is typically a fraction of gross revenue.
How Do Banks View Ameriprise Financial Services, LLC Independent Advisor Business?
SBA Loans Issued
574
Default Rate
0.0%
The SBA (Small Business Administration) tracks loan performance for franchise brands. Ameriprise Financial Services, LLC Independent Advisor Business has 574 SBA-backed loans on record. The default rate is 0.0%, which is below the franchise industry average, indicating relatively lower lending risk. A lower default rate generally indicates that lenders view the franchise as a safer investment, though past performance does not guarantee future results.
Next Steps
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