At Carry, our upfront fee is transparent and covers full access to our plans and services, with no AUM fees lurking around. 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.
For business owners
Access to Solo 401k, cash balance plans, and Mega backdoor Roth
For high-income professionals
Offset taxes with alternative investments, backdoor Roth IRA, and estate planning trusts
For everyone
Get a custom financial plan◊, retirement accounts, and our no-fee roboadvisor‡
The most powerful retirement account in America
If you own a business with no employees or have a side hustle, you're eligible for a Solo 401k. Dollar for dollar, this beats out every retirement account in size and flexibility.
A modern investment platform with no AUM fees⑄
We've built a brokerage within every Carry account, allowing you to invest in stocks or ETFs without incurring any AUM fees. Those small 0.10%, 0.5%, 2% seem small at first, but they can easily add up to hundreds of thousands of dollars over your lifetime. Its your hard-earned money so you should keep it.
Not sure what to invest in? Our Robo accounts create a smart portfolio tailored to your age and risk tolerance.
Simply set up a recurring contribution, and we'll handle everything else. Plus, the cash in your bank account is FDIC insured and your brokerage accounts are safeguarded by SIPC, up to their respective limits.‡
Diversify with alternative investments
Unlike traditional brokerages, Carry lets you use your retirement dollars to invest in a variety of alternative assets. This includes crypto, real estate, private companies, venture and private equity funds, 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.
Personalized financial planning with a human Certified Financial Planner®
Inside Carry you can access a human CFP® for expert guidance tailored to your unique needs. Your CFP® can create a custom financial plan and work with you every step of the way to ensure your finances evolve with your journey.
Financial planning on Carry begins with a free 20min consultation to try it out. Continue working with them to receive unlimited help and updates either via virtual chat or live video call.
Find the perfect fit for your financial goals
Basic Plan
Pro Plan
VIP Plan
Everything included in the Pro Plan, plus:
Discover why our customers trust Carry
QUICKSTART: Overview of Carry platform + Demo
Whether you're thinking about joining Carry or just curious to learn what we're all about, this workshop is tailored just for you!
Join us as we dive into all the ways Carry can simplify your financial journey and streamline tax processes.
- A step-by-step guide on setting up your Carry account, with insights into the diverse account options available
- Unlocking the full potential of your account through features such as financial plans, robo-advisor, and seamless auto-contribution setup
- How to do complex tax-saving strategies (like a Mega Backdoor Roth) in clicks
- And much more!
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! All you need is an EIN, which you can obtain from the IRS website. The application usually takes a few minutes and issue your EIN instantly.
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?
Transparency is key, so here's the breakdown: While Carry does not charge AUM fees, there are other standard fees (which are comparable with other providers in the industry). This includes:
- 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
Can I/how do I invest in alternative assets with Carry?
With Carry, you can set up a Self-Directed IRA or Solo 401k to explore alternative asset investments. Learn more about SDIRAs here and about Solo 401ks here.
- 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