Verified — real FDD extraction
Not found in the SBA Franchise Directory under this name — though SBA loans to its franchisees exist; verify eligibility with your lender
AMERIPRISE FINANCIAL SERVICES LLC
Business Services · independent · est. —
Ameriprise Financial is a financial-planning and wealth-management firm whose advisors help clients with retirement planning, investments, and insurance. Advisors build long-term financial plans for individuals and families. A franchise-style advisor operates a local practice under the Ameriprise brand, serving clients and managing their portfolios.
AMERIPRISE FINANCIAL SERVICES LLC net unit count declined -4.4% from 2021–2023 per its FDD Item 20.
New to franchising? Start here
A franchise is a business where you (the franchisee) pay a company (the franchisor) for the right to open and run a location using their brand and system — think a local Anytime Fitness or Taco John's owned by a small-business owner, not the corporation.
Before you can buy in, U.S. law requires the franchisor to give you a Franchise Disclosure Document (FDD) — a long legal filing covering its fees, finances, and history. The numbers on this page come straight from that document:
- Franchise fee — the one-time cost to buy in.
- Royalty — the ongoing cut of your sales you pay the franchisor.
- Item 20 — how many locations opened and closed, the basis for our verdict (from Proven & strong down to Distressed — or Too new to judge).
The verdict
Proven & steady
Distress
A real track record with an unremarkable region of the ledger: neither the growth nor the exits stand out, for better or worse. The main concern in the record: owners are leaving at a high rate.
Exit rate · latest year
4.3%
vs 8.1% across 28 business services systems
Cost to open
$12K–$133K
Item 7 total investment range
SBA loan defaults
0.2%
vs 14.8% avg across rated brands
Behind the verdict
the record, factor by factor · Item 20
3-yr trend · Item 20 Table 1
terminations + ceased-ops vs. all exits · Table 3
transfers vs. base · Table 3
actual vs. projected openings · Table 5
Item 19 disclosure + completeness
Systemwide units
2021–2023
Survival record
FDD Item 20 · outlet status by year
In fiscal 2023, 179 of 4,133 franchised outlets left the system — a 4.3% annualized exit rate, vs 8.1% across 28 business services systems. Not every exit is a failure — but this is the measurable floor.
Show the outlet tables ↓Hide the evidence ↑
| Status (FTC) | 2021 | 2022 | 2023 |
|---|---|---|---|
| Outlets at start | 6,020 | 5,990 | 5,839 |
| Opened | 33 | 49 | 49 |
| Transfers | 555 | 610 | 584 |
| Terminations | 110 | 144 | 178 |
| Non-renewals | 0 | 3 | 1 |
| Reacquired by franchisor | 0 | 0 | 0 |
| Ceased — other reasons | 0 | 0 | 0 |
| Outlets at end | 6,016 | 5,888 | 5,754 |
| Net change | -4 | -102 | -85 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 544 SBA-backed loans to AMERIPRISE FINANCIAL SERVICES LLC franchisees since 2006. Of the 412 that have resolved, 0.2% were charged off (defaulted) rather than paid in full, versus 14.8% across 576 rated brands.
0.2%
1 of 412 resolved defaulted
80.3%
avg. charged-off $ ÷ approved $
0.2%
default rate × loss severity
$933,607
what recent franchisees borrowed
43 mo
approval → charge-off, defaulted loans
10 vs 17
distinct banks — pulling back
Charge-off rate by loan approval year (%)
SOURCE: SBA 7(a)/504 FOIA LOAN DATA (DATA.SBA.GOV), FY1991–PRESENT · MATCHED TO AMERIPRISE FINANCIAL SERVICES LLC BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
Who finances it
Live Oak Banking Company
57.4% of this brand's loans
That lender charges off 5.5% of its loans to other franchise brands, vs 14.8% nationally.
Who buys it
74.9%
first-time franchise owners
The rest already owned at least one other franchise. Across the corpus, brands bought mostly by repeat operators charge off at roughly 10% versus 17% for brands sold mostly to newcomers.
Does experience help here?
−0.3pp
multi-unit vs single-unit owners
Owners of multiple units default at 0.0%; single-unit owners at 0.3%.
Computed from 544 SBA 7(a)/504 loans to AMERIPRISE FINANCIAL SERVICES LLC franchisees joined to the brand's own FDD. Debt service assumes level amortization at the average disclosed term and rate. A lender's rate excludes its loans to this brand, so it reads the lender, not the brand.
What it costs — and what it drags
FDD Items 5–7 · fees, investment, royalty
Buying in means a $2K franchise fee (Item 5) and a total investment of $12K–$133K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$12K–$133K
all-in investment range
Franchise fee (Item 5)
$2K
upfront, one-time
Royalty (Item 6)
—
of sales, ongoing
Your figure — cross-check against this brand's Item 19 and current-owner validation.
Royalty you'd pay / yr
$0
0% of sales, before profit
Over a 10-yr term
$0
royalties alone, excl. ad fund
This is not profit. It's the only money the FDD actually pins down — what you put in, and the royalty you owe on every dollar of sales. Your real take-home depends on labor, rent, food cost, and ramp-to-breakeven, none of which any FDD discloses.
Build a real pro-forma for AMERIPRISE FINANCIAL SERVICES LLC with an independent CPAModeled risk
FDD Risk Score · modeled from the public record
Modeled from the public record, this brand looks safer than 94% of systems we score.
Risk percentile
6 / 100
Loan-corroborated
Modeled SBA charge-off
6.2%
Observed SBA charge-off
0.2%
Top drivers: System size (log units) (lowers) · Share financed by high-loss lenders (lowers) · Single-lender dependence (lowers) · Investment ceiling (log) (raises). 15+ resolved loans stand behind this estimate. A linear scorecard built from this brand's own disclosure figures plus the federal loan record behind its franchisees; full spec and cross-validated accuracy on the methodology page. A score is context, not a verdict.
Distress signals
news-sourced · bankruptcies, closures, lawsuits
CourtListener/RECAP · 15mo ago
CourtListener/RECAP · 17mo ago
CourtListener/RECAP · 21mo ago
CourtListener/RECAP · 24mo ago
CourtListener/RECAP · 26mo ago
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing AMERIPRISE FINANCIAL SERVICES LLC's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →AMERIPRISE FINANCIAL SERVICES LLC franchise questions, answered from the filings
What percentage of AMERIPRISE FINANCIAL SERVICES LLC franchises closed last year?
In AMERIPRISE FINANCIAL SERVICES LLC's latest FDD Item 20 (fiscal 2023), 179 of 4,133 franchised outlets left the system — an annualized exit rate of 4.3% — compared with 8.1% across 28 business services systems tracked here. That counts terminations, non-renewals, and "ceased operations — other reasons." There is no official failure rate, and not every exit is a failure, but this is the measurable floor.
How much does a AMERIPRISE FINANCIAL SERVICES LLC franchise cost?
Per AMERIPRISE FINANCIAL SERVICES LLC's 2024 FDD, buying in requires an initial franchise fee of $2K (Item 5) and a total initial investment of $12K–$133K (Item 7).
Does AMERIPRISE FINANCIAL SERVICES LLC disclose earnings (Item 19)?
Yes — AMERIPRISE FINANCIAL SERVICES LLC makes a financial performance representation in Item 19 of its 2024 FDD. Read it closely: franchisors choose which units and which metrics to include.
How often do SBA loans for AMERIPRISE FINANCIAL SERVICES LLC franchises default?
Across 544 SBA-backed loans to AMERIPRISE FINANCIAL SERVICES LLC franchisees since 2006, 1 of the 412 that have resolved were charged off — a 0.2% default rate, versus about 14.8% across all rated franchise brands. This is the lender's-eye view of franchisee failure, drawn from public SBA 7(a)/504 FOIA data and independent of the franchisor's own disclosures.