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These programs feature professional portfolio management functions, such as asset allocation, risk management, investment selection, tax-loss harvesting, and dynamic rebalancing.",[1011],{"type":129,"attrs":1012},{"color":773},{"type":923,"content":1014},[1015],{"type":18,"attrs":1016,"content":1017},{"textAlign":34},[1018,1023],{"text":961,"type":22,"marks":1019},[1020,1022],{"type":129,"attrs":1021},{"color":773},{"type":38},{"text":1024,"type":22,"marks":1025},"All programs are delivered via Ameriprise financial advisors, who provide ongoing account monitoring and personalized advice to align portfolios with client goals and objectives. ",[1026],{"type":129,"attrs":1027},{"color":773},{"type":18,"attrs":1029,"content":1030},{"textAlign":34},[1031],{"text":1032,"type":22,"marks":1033},"LPL emphasizes flexibility and independence, offering clients access to digital advice, unified managed accounts, third-party managers, and retirement consulting via its network of independent advisors. Ameriprise focuses on wrap fee managed accounts, paired with ongoing monitoring and advice delivered by its own financial advisors.",[1034],{"type":129,"attrs":1035},{"color":773},{"type":764,"attrs":1037,"content":1038},{"level":766,"textAlign":34},[1039],{"text":1040,"type":22,"marks":1041},"LPL Financial vs Ameriprise fees: How much do they cost?",[1042,1044],{"type":129,"attrs":1043},{"color":773},{"type":38},{"type":18,"attrs":1046,"content":1047},{"textAlign":34},[1048],{"text":1049,"type":22,"marks":1050},"Both LPL Financial and Ameriprise Financial use wrap-fee advisory programs that bundle investment management, trading, and custody into a single asset-based fee. The key difference lies in how fees are structured and layered.",[1051],{"type":129,"attrs":1052},{"color":773},{"type":18,"attrs":1054,"content":1055},{"textAlign":34},[1056,1061,1072],{"text":1057,"type":22,"marks":1058},"LPL Financial allows advisors to negotiate advisory fees with clients, with a maximum stated rate of ",[1059],{"type":129,"attrs":1060},{"color":773},{"text":1062,"type":22,"marks":1063},"2.35%",[1064,1067,1070],{"type":31,"attrs":1065},{"href":1066,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.lpl.com/content/dam/edam/format/disclosure/A9.pdf",{"type":129,"attrs":1068},{"color":1069},"#1155CC",{"type":1071},"underline",{"text":1073,"type":22,"marks":1074},". While the cap is higher, negotiated pricing can result in lower effective costs for larger portfolios. Manager fees are typically added when third-party strategists are used, but platform charges are generally built into the wrap fee.",[1075],{"type":129,"attrs":1076},{"color":773},{"type":18,"attrs":1078,"content":1079},{"textAlign":34},[1080,1085,1094],{"text":1081,"type":22,"marks":1082},"Ameriprise Financial caps its advisory fee at ",[1083],{"type":129,"attrs":1084},{"color":773},{"text":1086,"type":22,"marks":1087},"2.00%",[1088,1091,1093],{"type":31,"attrs":1089},{"href":1090,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_413021.PDF",{"type":129,"attrs":1092},{"color":1069},{"type":1071},{"text":1095,"type":22,"marks":1096}," but applies additional platform and manager fees that vary by program and investment strategy. These extra layers can increase total costs, though some programs offer lower entry points for smaller accounts.",[1097],{"type":129,"attrs":1098},{"color":773},{"type":764,"attrs":1100,"content":1101},{"level":809,"textAlign":34},[1102],{"text":1103,"type":22,"marks":1104},"LPL Financial vs Ameriprise: fee structure",[1105],{"type":129,"attrs":1106},{"color":773},{"_uid":1108,"caption":12,"content":1109,"component":837,"show_search":543,"paste_content":1123,"number_of_rows":880,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"0f046850-6e8f-4432-a9a9-4c3caf5ca77b",{"tbody":1110,"thead":1118,"fieldtype":836},[1111],{"_uid":1112,"body":1113,"component":829},"05c91837-c301-49c1-a7fb-1722316027fa",[1114,1116],{"_uid":1115,"value":12,"component":826},"b38b3f32-55dd-414c-b9c3-186b99596550",{"_uid":1117,"value":12,"component":826},"b4342deb-41e5-437e-ad9d-4a1d510997c8",[1119,1121],{"_uid":1120,"value":12,"component":833},"3403d3b5-b442-45b6-abf3-5bfe4f6aab12",{"_uid":1122,"value":12,"component":833},"8fd0a54e-2935-4d12-b660-85fe50a15a95",{"type":15,"content":1124},[1125,1130,1135,1140,1145,1150,1155],{"type":18,"attrs":1126,"content":1127},{"textAlign":34},[1128],{"text":1129,"type":22},"Category\tLPL Financial\tAmeriprise Financial",{"type":18,"attrs":1131,"content":1132},{"textAlign":34},[1133],{"text":1134,"type":22},"Advisory fee\tUp to 2.35% (negotiable)\tUp to 2.00%",{"type":18,"attrs":1136,"content":1137},{"textAlign":34},[1138],{"text":1139,"type":22},"Manager fees\t0.15%–0.60% (third-party strategist)\t0.10%–0.80% (program-dependent)",{"type":18,"attrs":1141,"content":1142},{"textAlign":34},[1143],{"text":1144,"type":22},"Platform fees\tIncluded in wrap fee\tUp to 0.17% depending on program",{"type":18,"attrs":1146,"content":1147},{"textAlign":34},[1148],{"text":1149,"type":22},"Trading commissions\tIncluded\tIncluded",{"type":18,"attrs":1151,"content":1152},{"textAlign":34},[1153],{"text":1154,"type":22},"Fund expenses\tETF and fund expense ratios apply\tETF, fund expenses, and possible 12b-1 fees",{"type":18,"attrs":1156,"content":1157},{"textAlign":34},[1158],{"text":1159,"type":22},"Fee complexity\tFewer layers\tMultiple fee components",{"_uid":1161,"data":1162,"component":816},"31a5f226-f1ab-465a-a33c-6da81fd6cd19",{"type":15,"content":1163},[1164,1172,1181,1189],{"type":18,"attrs":1165,"content":1166},{"textAlign":34},[1167],{"text":1168,"type":22,"marks":1169},"Overall, LPL tends to offer a simpler pricing structure, while Ameriprise provides more tiered pricing that can be cost-effective depending on program selection and account size.",[1170],{"type":129,"attrs":1171},{"color":773},{"type":764,"attrs":1173,"content":1174},{"level":766,"textAlign":34},[1175],{"text":1176,"type":22,"marks":1177},"LPL Financial vs Ameriprise: What are the minimum account sizes?",[1178,1180],{"type":129,"attrs":1179},{"color":773},{"type":38},{"type":18,"attrs":1182,"content":1183},{"textAlign":34},[1184],{"text":1185,"type":22,"marks":1186},"Account minimums are important as they determine how accessible an advisory program is.",[1187],{"type":129,"attrs":1188},{"color":773},{"type":18,"attrs":1190,"content":1191},{"textAlign":34},[1192],{"text":1193,"type":22,"marks":1194},"LPL Financial focuses on a single unified managed account program, while Ameriprise provides a tiered structure with several options at different entry points.",[1195],{"type":129,"attrs":1196},{"color":773},{"_uid":1198,"caption":12,"content":1199,"component":837,"show_search":543,"paste_content":1213,"number_of_rows":880,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"441da5b9-b14e-47e7-bba4-d800bf666d9b",{"tbody":1200,"thead":1208,"fieldtype":836},[1201],{"_uid":1202,"body":1203,"component":829},"76e920eb-484d-4b78-8051-a487eb950084",[1204,1206],{"_uid":1205,"value":12,"component":826},"ca8b157c-3634-4117-bf55-8050d5c88aab",{"_uid":1207,"value":12,"component":826},"a171076e-6066-4bda-b581-d5c9d8782e88",[1209,1211],{"_uid":1210,"value":12,"component":833},"2552a857-57c0-4563-9375-b85bd28fc461",{"_uid":1212,"value":12,"component":833},"20f679fb-c71e-4178-9f0d-9ee04f894bf9",{"type":15,"content":1214},[1215,1220,1225,1230,1235,1240],{"type":18,"attrs":1216,"content":1217},{"textAlign":34},[1218],{"text":1219,"type":22},"Firm\tProgram / Account Type\tMinimum Investment (per ADV)",{"type":18,"attrs":1221,"content":1222},{"textAlign":34},[1223],{"text":1224,"type":22},"LPL Financial\tPersonal Wealth Portfolios (PWP)\t$250,000 minimum to open an account. The account is not invested until both the minimum and target funding levels are met.[WW1]",{"type":18,"attrs":1226,"content":1227},{"textAlign":34},[1228],{"text":1229,"type":22},"Ameriprise Financial\tAccess Account\t$25,000 – $50,000, depending on the portfolio.",{"type":18,"attrs":1231,"content":1232},{"textAlign":34},[1233],{"text":1234,"type":22}," \tVista Separate Account (SMA)\t$100,000 initial investment minimum.",{"type":18,"attrs":1236,"content":1237},{"textAlign":34},[1238],{"text":1239,"type":22}," \tInvestor Unified Account (UMA)\t$250,000 initial investment minimum.",{"type":18,"attrs":1241,"content":1242},{"textAlign":34},[1243],{"text":1244,"type":22}," \tOther Programs (SPS Advantage, SPS Advisor, Signature Wealth, Active Portfolios®, Select Separate Account)\t$5,000 – $500,000, depending on strategy and account type.",{"_uid":1246,"data":1247,"component":816},"7a5fe2b0-04dc-40e5-b962-87ba85dbb33d",{"type":15,"content":1248},[1249,1257,1265,1347,1356,1364,1372,1404,1412,1470,1478,1523,1531,1576,1584,1593,1601],{"type":18,"attrs":1250,"content":1251},{"textAlign":34},[1252],{"text":1253,"type":22,"marks":1254},"In addition, Ameriprise provides other programs such as SPS Advantage, SPS Advisor, Signature Wealth, Active Portfolios, and Select Separate Accounts.",[1255],{"type":129,"attrs":1256},{"color":773},{"type":18,"attrs":1258,"content":1259},{"textAlign":34},[1260],{"text":1261,"type":22,"marks":1262},"These carry various minimums：",[1263],{"type":129,"attrs":1264},{"color":773},{"type":920,"content":1266},[1267,1283,1299,1315,1331],{"type":923,"content":1268},[1269],{"type":18,"attrs":1270,"content":1271},{"textAlign":34},[1272,1278],{"text":1273,"type":22,"marks":1274},"SPS Advantage:",[1275,1277],{"type":129,"attrs":1276},{"color":773},{"type":38},{"text":1279,"type":22,"marks":1280}," $25,000 household minimum (non-discretionary).",[1281],{"type":129,"attrs":1282},{"color":773},{"type":923,"content":1284},[1285],{"type":18,"attrs":1286,"content":1287},{"textAlign":34},[1288,1294],{"text":1289,"type":22,"marks":1290},"SPS Advisor:",[1291,1293],{"type":129,"attrs":1292},{"color":773},{"type":38},{"text":1295,"type":22,"marks":1296}," $100,000 household minimum (discretionary).",[1297],{"type":129,"attrs":1298},{"color":773},{"type":923,"content":1300},[1301],{"type":18,"attrs":1302,"content":1303},{"textAlign":34},[1304,1310],{"text":1305,"type":22,"marks":1306},"Signature Wealth:",[1307,1309],{"type":129,"attrs":1308},{"color":773},{"type":38},{"text":1311,"type":22,"marks":1312}," Tiered minimums, from $5,000 to $50,000(discretionary).",[1313],{"type":129,"attrs":1314},{"color":773},{"type":923,"content":1316},[1317],{"type":18,"attrs":1318,"content":1319},{"textAlign":34},[1320,1326],{"text":1321,"type":22,"marks":1322},"Active Portfolios:",[1323,1325],{"type":129,"attrs":1324},{"color":773},{"type":38},{"text":1327,"type":22,"marks":1328}," $25,000 minimum (discretionary).",[1329],{"type":129,"attrs":1330},{"color":773},{"type":923,"content":1332},[1333],{"type":18,"attrs":1334,"content":1335},{"textAlign":34},[1336,1342],{"text":1337,"type":22,"marks":1338},"Select Separate Account (SMA): ",[1339,1341],{"type":129,"attrs":1340},{"color":773},{"type":38},{"text":1343,"type":22,"marks":1344},"$100,000–$500,000 minimum, depending on the specific SMA strategy or UMA portfolio (discretionary).",[1345],{"type":129,"attrs":1346},{"color":773},{"type":764,"attrs":1348,"content":1349},{"level":766,"textAlign":34},[1350],{"text":1351,"type":22,"marks":1352},"LPL Financial vs Ameriprise: The pros and cons",[1353,1355],{"type":129,"attrs":1354},{"color":773},{"type":38},{"type":18,"attrs":1357,"content":1358},{"textAlign":34},[1359],{"text":1360,"type":22,"marks":1361},"LPL Financial and Ameriprise Financial provide advisor-led wealth management services, but they differ in how programs are structured, priced, and delivered.",[1362],{"type":129,"attrs":1363},{"color":773},{"type":764,"attrs":1365,"content":1366},{"level":809,"textAlign":34},[1367],{"text":1368,"type":22,"marks":1369},"Pros of LPL Financial:",[1370],{"type":129,"attrs":1371},{"color":773},{"type":920,"content":1373},[1374,1384,1394],{"type":923,"content":1375},[1376],{"type":18,"attrs":1377,"content":1378},{"textAlign":34},[1379],{"text":1380,"type":22,"marks":1381},"LPL offers a broad selection of advisory programs, ranging from unified managed accounts (PWP) to third-party manager access and an advisor-enhanced digital advice program, giving clients flexibility to choose how their portfolios are managed.",[1382],{"type":129,"attrs":1383},{"color":773},{"type":923,"content":1385},[1386],{"type":18,"attrs":1387,"content":1388},{"textAlign":34},[1389],{"text":1390,"type":22,"marks":1391},"Its independent advisor network allows clients to work with financial professionals who can tailor services to their individual needs, instead of using a one-size-fits-all model.",[1392],{"type":129,"attrs":1393},{"color":773},{"type":923,"content":1395},[1396],{"type":18,"attrs":1397,"content":1398},{"textAlign":34},[1399],{"text":1400,"type":22,"marks":1401},"The wrap fee structure simplifies billing by covering advisory, trading, custody, and administrative services in a single charge, making costs more predictable for clients.",[1402],{"type":129,"attrs":1403},{"color":773},{"type":764,"attrs":1405,"content":1406},{"level":809,"textAlign":34},[1407],{"text":1408,"type":22,"marks":1409},"Cons of LPL Financial:",[1410],{"type":129,"attrs":1411},{"color":773},{"type":920,"content":1413},[1414,1437,1460],{"type":923,"content":1415},[1416],{"type":18,"attrs":1417,"content":1418},{"textAlign":34},[1419,1424,1432],{"text":1420,"type":22,"marks":1421},"Advisory fees at LPL Financial can be relatively high compared to its competitors, with a maximum of ",[1422],{"type":129,"attrs":1423},{"color":773},{"text":1062,"type":22,"marks":1425},[1426,1428,1431],{"type":31,"attrs":1427},{"href":1066,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1429},{"color":1430},"#0000FF",{"type":1071},{"text":1433,"type":22,"marks":1434}," annually, plus additional manager fees, which may reduce net investment returns for cost-sensitive clients.",[1435],{"type":129,"attrs":1436},{"color":773},{"type":923,"content":1438},[1439],{"type":18,"attrs":1440,"content":1441},{"textAlign":34},[1442,1447,1455],{"text":1443,"type":22,"marks":1444},"The PWP program has a high minimum investment requirement of ",[1445],{"type":129,"attrs":1446},{"color":773},{"text":1448,"type":22,"marks":1449},"$250,000",[1450,1452,1454],{"type":31,"attrs":1451},{"href":1066,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1453},{"color":1430},{"type":1071},{"text":1456,"type":22,"marks":1457},", which limits accessibility to higher-net-worth households and excludes investors with smaller portfolios.",[1458],{"type":129,"attrs":1459},{"color":773},{"type":923,"content":1461},[1462],{"type":18,"attrs":1463,"content":1464},{"textAlign":34},[1465],{"text":1466,"type":22,"marks":1467},"As services are delivered by independent advisors, the client experience may vary significantly, depending on each advisor’s practices and resources.",[1468],{"type":129,"attrs":1469},{"color":773},{"type":764,"attrs":1471,"content":1472},{"level":809,"textAlign":34},[1473],{"text":1474,"type":22,"marks":1475},"Pros of Ameriprise:",[1476],{"type":129,"attrs":1477},{"color":773},{"type":920,"content":1479},[1480,1503,1513],{"type":923,"content":1481},[1482],{"type":18,"attrs":1483,"content":1484},{"textAlign":34},[1485,1490,1498],{"text":1486,"type":22,"marks":1487},"Ameriprise provides a wide range of managed account programs with entry points from ",[1488],{"type":129,"attrs":1489},{"color":773},{"text":1491,"type":22,"marks":1492},"$25,000 to $250,000",[1493,1495,1497],{"type":31,"attrs":1494},{"href":1090,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1496},{"color":1430},{"type":1071},{"text":1499,"type":22,"marks":1500}," and above, allowing investors with different levels of wealth to find a program that suits them.",[1501],{"type":129,"attrs":1502},{"color":773},{"type":923,"content":1504},[1505],{"type":18,"attrs":1506,"content":1507},{"textAlign":34},[1508],{"text":1509,"type":22,"marks":1510},"Its managed accounts are designed to integrate with broader financial planning, covering areas such as retirement, estate, education, and insurance, which helps clients manage both investments and life goals with one firm.",[1511],{"type":129,"attrs":1512},{"color":773},{"type":923,"content":1514},[1515],{"type":18,"attrs":1516,"content":1517},{"textAlign":34},[1518],{"text":1519,"type":22,"marks":1520},"All managed accounts include ongoing account monitoring and advice from Ameriprise financial advisors, giving clients continuous guidance rather than point-in-time recommendations.",[1521],{"type":129,"attrs":1522},{"color":773},{"type":764,"attrs":1524,"content":1525},{"level":809,"textAlign":34},[1526],{"text":1527,"type":22,"marks":1528},"Cons of Ameriprise:",[1529],{"type":129,"attrs":1530},{"color":773},{"type":920,"content":1532},[1533,1556,1566],{"type":923,"content":1534},[1535],{"type":18,"attrs":1536,"content":1537},{"textAlign":34},[1538,1543,1551],{"text":1539,"type":22,"marks":1540},"While Ameriprise caps its advisory fee at ",[1541],{"type":129,"attrs":1542},{"color":773},{"text":1544,"type":22,"marks":1545},"2%",[1546,1548,1550],{"type":31,"attrs":1547},{"href":1090,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1549},{"color":1430},{"type":1071},{"text":1552,"type":22,"marks":1553},", platform and manager fees mean the total cost can be relatively high, especially for clients in certain SMA or UMA programs.",[1554],{"type":129,"attrs":1555},{"color":773},{"type":923,"content":1557},[1558],{"type":18,"attrs":1559,"content":1560},{"textAlign":34},[1561],{"text":1562,"type":22,"marks":1563},"The programs at Ameriprise are complex, with multiple options and tiers, which can make it more difficult for clients to understand and select the program that best matches their needs.",[1564],{"type":129,"attrs":1565},{"color":773},{"type":923,"content":1567},[1568],{"type":18,"attrs":1569,"content":1570},{"textAlign":34},[1571],{"text":1572,"type":22,"marks":1573},"As with most advisor-driven models, the quality of service and outcomes can vary depending on the individual financial advisor.",[1574],{"type":129,"attrs":1575},{"color":773},{"type":18,"attrs":1577,"content":1578},{"textAlign":34},[1579],{"text":1580,"type":22,"marks":1581},"Overall, LPL Financial stands out for its independence and flexibility, but its higher fees and minimums can be barriers for some investors. Ameriprise provides a structured and tiered offering with integrated planning, but its layered fees and program complexity may pose challenges for clients who prefer simplicity.",[1582],{"type":129,"attrs":1583},{"color":773},{"type":764,"attrs":1585,"content":1586},{"level":766,"textAlign":34},[1587],{"text":1588,"type":22,"marks":1589},"LPL Financial vs Ameriprise: Technology and security",[1590,1592],{"type":129,"attrs":1591},{"color":773},{"type":38},{"type":18,"attrs":1594,"content":1595},{"textAlign":34},[1596],{"text":1597,"type":22,"marks":1598},"Both LPL Financial and Ameriprise Financial offer secure digital platforms with standard investor protections, including SIPC coverage up to $500,000 per account (including $250,000 for cash) and FDIC protection for eligible cash balances. The key differences are in how each firm delivers technology and advisor support.",[1599],{"type":129,"attrs":1600},{"color":773},{"type":18,"attrs":1602,"content":1603},{"textAlign":34},[1604],{"text":1605,"type":22,"marks":1606},"The table below highlights how LPL Financial and Ameriprise compare in terms of client technology, advisor tools, and regulatory safeguards.",[1607],{"type":129,"attrs":1608},{"color":773},{"_uid":1610,"caption":12,"content":1611,"component":837,"show_search":543,"paste_content":1625,"number_of_rows":880,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"771c6fbc-dbb3-4eb2-bf6d-73515b25a616",{"tbody":1612,"thead":1620,"fieldtype":836},[1613],{"_uid":1614,"body":1615,"component":829},"8b049cc4-e2d6-4371-a52a-03f7679f7d74",[1616,1618],{"_uid":1617,"value":12,"component":826},"ff5e18d1-7db9-4909-9af8-76fe859fc8be",{"_uid":1619,"value":12,"component":826},"d9743154-daf5-4c55-8c1c-691858eaedfa",[1621,1623],{"_uid":1622,"value":12,"component":833},"9e41b3a3-9bad-44c9-a6c4-21129200798f",{"_uid":1624,"value":12,"component":833},"7967cd25-8b00-4327-9846-d682dfbbb2db",{"type":15,"content":1626},[1627,1631,1636,1641,1646,1651],{"type":18,"attrs":1628,"content":1629},{"textAlign":34},[1630],{"text":844,"type":22},{"type":18,"attrs":1632,"content":1633},{"textAlign":34},[1634],{"text":1635,"type":22},"Client access\tOnline portal and mobile app\tOnline portal and mobile app",{"type":18,"attrs":1637,"content":1638},{"textAlign":34},[1639],{"text":1640,"type":22},"Planning tools\tLimited client-facing planning tools\tIntegrated financial planning tools",{"type":18,"attrs":1642,"content":1643},{"textAlign":34},[1644],{"text":1645,"type":22},"Advisor systems\tTrading, portfolio, and monitoring platform\tAdvisor platform with planning and portfolio tools",{"type":18,"attrs":1647,"content":1648},{"textAlign":34},[1649],{"text":1650,"type":22},"Investor protection\tSIPC up to $500,000; FDIC for eligible cash\tSIPC up to $500,000; FDIC for eligible cash",{"type":18,"attrs":1652,"content":1653},{"textAlign":34},[1654],{"text":1655,"type":22},"Regulation\tSEC-registered, FINRA member\tSEC-registered, FINRA member",{"_uid":1657,"data":1658,"component":816},"acd4d994-e256-4e8b-8110-397ba2aa0dfa",{"type":15,"content":1659},[1660,1669,1677,1685,1705,1726,1734],{"type":764,"attrs":1661,"content":1662},{"level":766,"textAlign":34},[1663],{"text":1664,"type":22,"marks":1665},"Final verdict: LPL Financial vs Ameriprise",[1666,1668],{"type":129,"attrs":1667},{"color":773},{"type":38},{"type":18,"attrs":1670,"content":1671},{"textAlign":34},[1672],{"text":1673,"type":22,"marks":1674},"LPL Financial and Ameriprise Financial both provide advisor-led wealth management, but their approaches diverge in key ways.",[1675],{"type":129,"attrs":1676},{"color":773},{"type":18,"attrs":1678,"content":1679},{"textAlign":34},[1680],{"text":1681,"type":22,"marks":1682},"LPL emphasizes independence, flexibility, and access to third-party managers via its network of independent advisors, while Ameriprise focuses on a structured suite of proprietary managed account programs with tiered entry points and integrated planning services.",[1683],{"type":129,"attrs":1684},{"color":773},{"type":18,"attrs":1686,"content":1687},{"textAlign":34},[1688,1693,1700],{"text":1689,"type":22,"marks":1690},"You should consider LPL Financial if you want to work with an independent financial advisor who can be flexible and if you are comfortable meeting the ",[1691],{"type":129,"attrs":1692},{"color":773},{"text":1448,"type":22,"marks":1694},[1695,1697,1699],{"type":31,"attrs":1696},{"href":1066,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1698},{"color":1430},{"type":1071},{"text":1701,"type":22,"marks":1702}," minimum for PWP. You should be willing to pay potentially higher fees for access to third-party managers and strategic models.",[1703],{"type":129,"attrs":1704},{"color":773},{"type":18,"attrs":1706,"content":1707},{"textAlign":34},[1708,1713,1721],{"text":1709,"type":22,"marks":1710},"You should consider Ameriprise if you prefer a program lineup with minimums starting at ",[1711],{"type":129,"attrs":1712},{"color":773},{"text":1714,"type":22,"marks":1715},"$25,000,",[1716,1718,1720],{"type":31,"attrs":1717},{"href":1090,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1719},{"color":1430},{"type":1071},{"text":1722,"type":22,"marks":1723}," offering structured pathways into separately managed accounts and unified managed accounts. It is also ideal if you want a single firm to integrate investment management with retirement, estate, education, and insurance planning, supported by an Ameriprise advisor who provides ongoing account monitoring and standardized advice.",[1724],{"type":129,"attrs":1725},{"color":773},{"type":764,"attrs":1727,"content":1728},{"level":809,"textAlign":34},[1729],{"text":1730,"type":22,"marks":1731},"Get expert financial advice",[1732],{"type":129,"attrs":1733},{"color":773},{"type":18,"attrs":1735,"content":1736},{"textAlign":34},[1737,1742,1751],{"text":1738,"type":22,"marks":1739},"If you need expert financial advice, Unbiased can ",[1740],{"type":129,"attrs":1741},{"color":773},{"text":1743,"type":22,"marks":1744},"match you with a financial advisor",[1745,1748,1750],{"type":31,"attrs":1746},{"href":1747,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas",{"type":129,"attrs":1749},{"color":1430},{"type":1071},{"text":1752,"type":22,"marks":1753}," who will help you manage your money and maximize your investments.",[1754],{"type":129,"attrs":1755},{"color":773},[1757],{"_uid":1758,"image":1759,"title":1764,"CTALink":12,"CTAText":51,"subtitle":12,"component":1770,"breadcrumbs":558,"showHeroImage":543},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1760,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1761,"copyright":12,"fieldtype":1762,"meta_data":1763,"is_external_url":543},66736245925170,"https://a.storyblok.com/f/185166/657x449/c92df9808f/lpl-financial-vs-ameriprise.jpg","asset",{},{"type":15,"content":1765},[1766],{"type":18,"content":1767},[1768],{"text":1769,"type":22},"LPL Financial vs. Ameriprise","app-hero",{"name":1772,"created_at":1773,"published_at":1774,"updated_at":1775,"id":1776,"uuid":1777,"content":1778,"slug":1787,"full_slug":1788,"sort_by_date":34,"position":1789,"tag_list":1790,"is_startpage":543,"parent_id":1791,"meta_data":34,"group_id":1792,"first_published_at":1793,"release_id":34,"lang":730,"path":34,"alternates":1794,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1779,"_uid":1780,"name":1772,"image":1781,"component":1785,"description":1786},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1782,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1783,"copyright":12,"fieldtype":1762,"meta_data":1784,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1796],{"_uid":1797,"body":1798,"title":1822,"component":1823},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1799,1803,1807,1810,1814,1818],{"_uid":1800,"href":1801,"text":1802,"component":542,"openInNewWindow":558},"65bde82b-a1a2-44d1-8b03-4595f7f69133","https://www.unbiased.com/discover/financial-advice/lpl-financial-review","LPL financial reviews",{"_uid":1804,"href":1805,"text":1806,"component":542,"openInNewWindow":558},"aa2ee4cb-d32b-4bb4-8df8-9ea60d858222","https://www.unbiased.com/discover/financial-advice/lpl-financial-vs-vanguard","LPL financial vs vanguard",{"_uid":1808,"href":1805,"text":1809,"component":542,"openInNewWindow":558},"fa972aa9-65d0-4c3b-825d-755d58c38e1e","LPL Financial vs. Vanguard",{"_uid":1811,"href":1812,"text":1813,"component":542,"openInNewWindow":558},"1df6a44a-d66f-4403-9b4d-bc1750ec0ae7","https://www.unbiased.com/discover/financial-advice/lpl-financial-vs-fidelity","LPL financial vs fidelity",{"_uid":1815,"href":1816,"text":1817,"component":542,"openInNewWindow":558},"7ae5ed73-202b-4125-88bb-af1d31a79e5f","https://www.unbiased.com/discover/financial-advice/lpl-financial-vs-charles-schwab","LPL financial vs Charles Schwab",{"_uid":1819,"href":1820,"text":1821,"component":542,"openInNewWindow":558},"0fe0f45d-92a6-44e9-b029-4601d6d52f5e","https://www.unbiased.com/discover/financial-advice/lpl-financial-vs-raymond-james","LPL vs Raymond james","Related articles ","app-links-list",{"_uid":1825,"title":750,"plugin":1826,"og_image":12,"og_title":12,"description":1827,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"6035e937-bdd8-4023-83e3-a88ee7770a87","seo_metatags","This LPL Financial vs Ameriprise review compares two leading advisor-led firms, detailing their services, fees, account minimums, and planning programs. Learn how they differ in structure, technology, and advisor approach to help you decide which may better suit your financial goals.",{"name":1829,"created_at":1830,"published_at":1831,"updated_at":1832,"id":1833,"uuid":1834,"content":1835,"slug":1843,"full_slug":1844,"sort_by_date":34,"position":1789,"tag_list":1845,"is_startpage":543,"parent_id":1791,"meta_data":34,"group_id":1846,"first_published_at":1793,"release_id":34,"lang":730,"path":34,"alternates":1847,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1836,"_uid":1780,"name":1829,"image":1837,"component":1785,"education":1840,"expertise":1841,"description":1842},"Senior Content Writer",{"id":1838,"alt":12,"name":12,"focus":12,"title":12,"filename":1839,"copyright":12,"fieldtype":1762,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",[],"024abff2-15a6-4099-8ba2-25c01abe42e8",[],"app-article",[],[],"This review compares LPL Financial and Ameriprise, their services, the pros and cons, and their fees. ",[],"lpl-financial-vs-ameriprise","discover/financial-advice/lpl-financial-vs-ameriprise",-4530,[],365590167,"763d1774-7a29-4b3e-bab1-c2c33dcdba73","2025-12-19T11:13:14.990Z",[],{"left":727,"top":727,"width":1862,"height":1862,"rotate":727,"vFlip":543,"hFlip":543,"body":1863},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1865,1868,1869],{"title":1866,"exact":558,"href":1867},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":1870,"disabled":558},"/discover/financial-advice/lpl-financial-vs-ameriprise",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1872},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777367311231]