Quick Verdict · who it fits
Ameriprise Financial Services fits owner-operators looking for a mature financial services concept.
The numbers a buyer needs first — straight from the filing.
Initial investment (Item 7)
$10K - $138K
Franchise fee (Item 5)
$2K
Royalty (Item 6)
72–91%
System size (Item 20)
3,738 +133
Years in business
55+ yrs
Model Ameriprise Financial Services's costs in the investment calculator → Prefilled from this filing — startup cost, cash flow and break-even.
Data extracted from the 2026 FDD filed with state regulators. Fees and terms may have changed since filing — request the current FDD from the franchisor before deciding. Not legal, financial, or investment advice. Full disclaimer.
Drag to your projected annual sales. Royalty 72–91% on gross sales.
PROJECTED ANNUAL SALES$500,000
$100k$2M
Royalty (72–91%)
—
Total / year
—
▪ Of-sales fees only · excludes rent, labor, COGS, and one-time costs · for illustration
Free AI summary — the first read on the filing.
3,738 franchised outlets
Total units open
plus 1,724 company-owned Employee advisors
133 franchised outlets
Units opened last year
135
Units closed last year
52 terminated + 83 ceased operations/other reasons
−2
Net unit growth
133 opened − 135 closed
What our analysis flagged across the 2026 filing.
5
Risks to review
4
Strengths identified
5
Questions to ask
How Ameriprise Financial Services ranks against 29 Financial Services peers we've analyzed.
Initial investment
3rd pct · of 29 peers
Franchise fee
0th pct · of 29 peers
System size
96th pct · of 29 peers
Financial Services industry averages
Avg investment
$58K - $182K
Avg franchise fee
$37K
Avg system size
450
Franchises analyzed
29
Closest concepts by category and investment.
| Brand | Item 19 | Fee | Investment | Royalty | Units |
|---|---|---|---|---|---|
| Ameriprise Financial Services | Disclosed | $2K | $10K - $138K | 72–91% | 3,738 |
| We InsureSimilar price | Disclosed | $40K | $60K - $138K | 25–45% | 132 |
| Jackson HewittBiggest system | Disclosed | $25K | $19K - $105K | 15% | 2,468 |
| Brightway InsuranceTop-rated in category | Disclosed | $25K | $43K - $187K | — | 351 |
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Free explainers to go deeper before you sign.
Brand Analysis
The 2025 FDD prices the initial franchise fee at $2,500, one of the lowest in our library, then sets the royalty at 30% to 60% of revenue. The franchised side of the system has shrunk by 574 offices in three years while the franchisor projects zero new ones.
Investment Guide
A franchise net worth requirement and a liquid capital requirement measure two very different things — and most rejected applicants fail the one they never checked. Here's how the math works at every investment tier.
Financial Analysis
Item 19 hands you an average revenue number and stops there. Here's the step-by-step way to haircut that top-line, layer in COGS, labor, occupancy, the fee stack, and debt service, and land on the profit you'd actually take home.
Ameriprise Financial Services requires a $1,500 initial franchise fee and a total initial investment range of $9,576–$138,402, per the most recent FDD on file.
Ameriprise Financial Services franchises are sold by Ameriprise Financial Services LLC, the franchisor entity of record on its Franchise Disclosure Document. Item 1 of the FDD discloses the corporate structure, including any parent companies and predecessors.
Yes. Ameriprise Financial Services discloses Item 19 financial performance representations in its FDD. See the financials sub-page for the disclosed figures.
Franchisees pay a royalty of 72.0% to 91.0% and an advertising fund contribution of Will vary by campaign on gross sales as defined in Item 6 of the FDD.
As of their 2026 FDD, Ameriprise Financial Services has 3,738 total locations, with 133 new locations opened in the most recent reporting year. This information comes from Item 20 of the FDD.
This page is part of VetMyFranchise. View all pages: llms.txt · llms-full.txt