FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for The Retirement Income Store.
Based on 2025 FDD · 13 filings in corpus
Cost and profit at a glance
Based on FDDIQ's FDD corpus, a The Retirement Income Store franchise shows an estimated initial investment of $100K – $226K. The franchisor does not provide enough Item 19 data for a clean profit estimate. Use the links below to compare the cost, revenue, SBA loan history, and ROI against other franchises before you request the full FDD.
Quick fee read: $25K franchise fee. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.
The Retirement Income Store requires a total initial investment of $100K to $226K (midpoint approximately $163K), with an initial franchise fee of $25K.
The Retirement Income Store does not publicly disclose Item 19 financial performance data in their FDD. This is a significant transparency gap — franchisees must rely on validation calls and personal research rather than audited financial representations. Prospective buyers should demand current unit-level financials from existing operators during due diligence.
The Retirement Income Store operates approximately 28 franchised units. However, the brand has been contracting with a 3.3% net unit decline, which may signal franchisee dissatisfaction, territory saturation, or competitive pressure.
Prospective franchisees should verify all figures against the most recent FDD, conduct validation calls with multiple existing franchisees, and consult with a franchise attorney before signing any agreement.
Analysis based on 2025 FDD filing. FDDIQ Editorial Team · Methodology
Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.
Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.
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