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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Find the perfect fit for your financial goals
Basic Plan
$29/month $299/year
Solo 401k, IRAs & non-retirement Brokerage Accounts
Eligible business expense for your taxes
Automated Mega Backdoor Roth and Roth IRA conversions
Add-on access to a Certified Financial Planner™ for additional charge
Great for maximizing retirement savings and tax-saving strategies.
Most Popular
Pro Plan
$49/month $499/year
Everything included in the Basic Plan, plus:
Invest in alternative assets (from your Solo 401k and IRA)
Invest in crypto (from your IRA)
Best if you’re self-employed and want access to further investment types.
VIP Plan
$500-$1,500/month $6k-$18k/year
Everything included in the Pro Plan, plus:
Personalized planning with an expert to identify top tax-saving opportunities
High quality bookkeeping and payroll services to help you stay organized
Integrated tax filing for both personal and business returns
Ideal for business owners earning $200k+ in annual profit.
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.
July 29, 2025 at 6:00:00 AM ET
How to Pay Less in Taxes in 2025
Did you know that smart tax strategies can significantly lower your tax bill in America? Whether you're managing your primary income, earning extra on the side, or simply looking for ways to optimize your finances, this session will show you exactly how to save money on your taxes in 2025. Join us as we break down practical strategies that anyone can use to reduce their tax burden in the coming year. In this workshop, you'll discover: ‣ 7 powerful tax strategies designed to help you maximize deductions and lower your tax liability ‣ A little-known tax-advantaged account that could let you deduct up to $70,000 – are you taking advantage of it? ‣ How certain financial decisions might be costing you more in taxes, and potential alternatives to consider ‣ Live Q&A to get your burning questions answered ‣ And more! Can't make it live? Sign up anyway – we'll be sending out a recording so you won't miss out
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.