Ameriprise Franchise FDD, Profits & Costs
Established in 1894 by John Tappan in Minneapolis, Minnesota, Ameriprise Financial originated as Investors Syndicate and has since evolved into a leading name in the financial services industry.
Headquartered in the Ameriprise Financial Center in Minneapolis, the company has built a long-standing reputation for guiding individuals and families toward their financial objectives.
Ameriprise entered the franchising arena in 1999, allowing financial advisors to manage their own practices while benefiting from the strength and credibility of a nationally recognized brand.
Its offerings span a wide spectrum of financial solutions, including wealth management, insurance products, annuities, and estate planning services, positioning the company as a comprehensive provider of financial guidance.
Initial Investment
How much does it cost to start a Ameriprise franchise? It costs on average between $10,000 - $138,000 to start a Ameriprise franchised facility.
This covers expenses such as construction, equipment, inventory, and initial operating costs. The total investment may vary based on several elements, including the business model selected, the geographic area, and whether the franchisee opts to lease or buy the premises.
| Type of Expenditure | Amount |
|---|---|
| Initial Fee, Including Initial Orientation Program | $1,500 |
| Additional Funds – 3 Months | $0 to $3,000 per registered office location per month |
| Association Fee | $290 per month |
| Business Authorizations and Licenses | $500 to $3,000 |
| Computer Hardware | $1,200 to $2,300 per computer |
| Computer Software Installation Service | $200 |
| Errors and Omissions Fee | $166.66 to $208.32 per month per Independent Advisor |
| Internet Service, Mobile Communication Devices and Services, Phone Service, Printers and Scanners | $1,600 to $21,200 |
| Network Equipment | $1,410 to $8,200 |
| Network Monitoring | $25 per month per device |
| Office Aesthetics and Furnishings | $0 to $50,000 |
| Office Cabling | $500 to $6,000 |
| Office Lease | $0 to $3,000 per registered office location per month |
| Optional Training Programs | $0 to $10,000 |
| Other Software Fees and Licenses | $20 to $200 per subscription per month |
| Security Deposits | $0 to $9,000 |
| Signage | $60 to $9,000 |
| Software Licenses and Fees for Staff | $135 to $550 per staff member per month |
| Start-up Supplies | $100 per month |
| Supervision | $296 to $2,717 per month per Independent Advisor |
| Support Staff | $0 to $3,400 per month |
| Technology Access Package | $595 per month |
| Travel and Entertainment | $100 per month |
| Total Estimated Initial Investment | $9,576.62 to $138,402.60 |
Ameriprise Franchise Disclosure Document
Frequently Asked Questions
What funding options are available for a Ameriprise franchise?
Most franchise buyers in Ameriprises investment range finance their unit through an SBA 7(a) loan, with some multi-unit operators using SBA 504 loans. Buyers with rollable retirement funds sometimes use a ROBS structure. See SharpSheets financial model hub for guidance.
How long does it take to pay back a Ameriprise franchise investment?
Payback periods typically run 3-7 years depending on investment level, location performance, and financing structure. Actual payback varies significantly by unit performance and debt service obligations.
Who owns Ameriprise?
The franchise is owned by Ameriprise Financial, Inc., a publicly-traded company headquartered in Minneapolis, Minnesota.
SharpSheets Editorial Team | sharpsheets.io | Last Updated: July 2026
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