At Carry, our upfront fee is transparent and covers full access to our plans and services. Curious about what each tier offers? Check out our detailed pricing list here: carry.com/pricing
Grow your net worth with smart tax optimization
Carry is an all-in-one platform for tax-advantaged accounts, investments and strategy for business owners and high earning professionals.
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For business owners
Access to Solo 401k and Mega backdoor Roth
For high-income professionals
Access alternative investments, backdoor Roth IRA, and estate planning trusts
For everyone
Get access to professional financial planning◊, tax filing and bookkeeping services
The most powerful⍏ retirement account in America
If you own a business with no employees or have a side hustle, you're likely eligible for a Solo 401k. ⎏ Dollar for dollar, this beats out most retirement accounts in size and flexibility.
Up to a $70K tax deduction ($76.5K if over 50)
Tax-free growth and compounding
Invest in almost any asset class you like
Supports Roth contributions, including Mega Backdoor Roth
Borrow from your plan at any time
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A modern investment platform built for long-term growth⑄
We’ve built a powerful brokerage into every Carry account, making it simple to invest in stocks, ETFs, and mutual funds—all in one place.
Not sure where to start? Roboadvisor invests automatically based on your goals and financial profile, so you can stay hands-off.
Just set up a recurring contribution, and we’ll handle the rest—rebalancing, reinvesting, and keeping your investments on track.‡
Investment Advisory services offered by Carry Advisors LLC.
Diversify with alternative investments
Unlike most providers, Carry lets you use your retirement dollars to invest in a variety of alternative assets. ⍚ This includes real estate, private companies, venture and private equity funds, crypto, and more.
You can also use tax-advantaged Roth accounts to compound your wealth by investing in these assets directly from your IRA or Solo 401k.
Pro plan only Disclosure: Alternative investing on Carry is self-directed and not offered by Carry Advisors' advisory services. Asset class restrictions may apply.
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Choose your Carry membership
Core
$29 /month
or $299/year
Solo 401k, IRAs, and Taxable Brokerage accounts
Invest in equities including stocks, ETFs, and mutual funds
Access to managed investments including Smart Yield and Roboadvisor
Add on tax filing, tax planning, bookkeeping, and financial planning for an additional fee
Full access to 20+ courses
Pro
$49 /month
or $499/year
Everything on Basic, plus:
Invest in Crypto in your Traditional or Roth IRA
Access to Alternative investments in your Solo 401k, Roth IRA, or Traditional IRA
Advanced Solo 401k support including EACA credit filing
Discover why our customers trust Carry
"I am in *heaven* with Carry. Payroll deduction to my Solo 401k and then automatically invested. You solved the use case that matters most. If i wasn’t running my own startup, I’d want to work with you all."
Cheryl Kellond, Carry Customer
"Major shoutout to my tax strategist from [Carry]. She crafted for me a 32-page tax and financial plan that outlined insurance, retirement, and how to achieve my LT goals."
Austin Hankwitz, Carry Customer
"Thanks so much. I reviewed my financial plan and it provided a lot of guidance and things to think about in terms of my long-term goals."
Sherrell Dorsey, Carry Customer
"It was one of the first platforms I’ve seen that specifically targets and helps solopreneurs, s-corp owners, self-employed, and gives them an all-in-one platform to easily manage retirement and tax saving strategies and accounts. I once tried to open a Solo 401k with [Other Provider], and it was a daunting task. Carry was a few clicks."
Nick Chester, Carry Customer
"I love Carry so much. It was so easy to set up my Solo 401k (which if you’ve ever tried to do that, it’s not always super simple) and inside I was able to invest in a ton of different ETF options"
Erin Confortini, Carry Customer
These are real testimonials from real customers, who have not been compensated.
Questions before joining?
Why does Carry have an upfront fee?
Can I move my existing Solo 401k or IRA to Carry?
Absolutely!
For Solo 401k: Just set up your Carry account and select the option to restate your plan.
For IRAs: Simply create a new IRA after setting up your Carry account and transfer your assets
Have questions about the process? We're here to help, just reach out!
Can I sign up for a Solo 401k as a Sole Proprietor or do I need an LLC?
Yes! If you're a Sole Proprietor, you can easily set up a Solo 401k with us.
No LLC? No problem! You can use your SSN instead of an EIN to open a Solo 401k with Carry.
Who can set up a Solo 401k?
You would most likely qualify if:
- You're earning self-employed income as a business owner, freelancer, creator, or side-hustler (any business entity type is eligible, including multi-partner LLCs)
- You have no full-time employees (outside of your spouse)
- You're a U.S. resident
Feel free to reach out to us if you have any questions!
Are there any other fees with Carry?
Fees include:
- Any underlying investment fees (for ex. If you buy an ETF, the underlying fund expense ratio; this goes to the fund and not Carry)
- Certain transaction fees charged by our custodians, like initiating an outgoing ACH or purchasing Cryptocurrency
- Managed investment accounts including Smart Yield and Roboadvisor are subject to annual advisory fees of 0.20%.
For more information, you can refer to carry.com/fees.
Can I/how do I invest in alternative assets with Carry?
With Carry, you can explore alternative asset investments, like crypto inside your Solo401k or IRA. Learn more about Solo 401ks here and IRAs here.