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Product icon Carry Brokerage

Invest beyond retirement limits

No contribution caps or early withdrawal penalties. Your taxable brokerage account gives you complete investment flexibility for any goal—house down payments, business opportunities, or just building wealth on your timeline.

Investment advisory services are offered by Carry Advisors, an SEC registered investment advisor.

One platform for your entire investment strategy

Manage your taxable investments alongside your retirement accounts with a more unified view of your financial picture on Carry. Stop juggling multiple platforms or manually tracking your total allocation across accounts.

Cash that works hard with Smart Yield

Don’t let uninvested cash earn nothing. Smart Yield automatically optimizes your cash balance for higher after-tax returns through strategic money market funds. Let us know factors like your income, state, and investment amount—we’ll handle the rest. 

Effortless investing, optimal value

Automated investing with Roboadvisor

Get a personalized, diversified portfolio of funds tailored to your risk tolerance and goals. Daily rebalancing keeps your allocation on target, ensuring your strategy automatically stays aligned with market conditions.

Trade with no commissions

Access over 10,000 stock, ETF, and mutual fund options without commission fees eating into your returns. Build your portfolio your way—pick individual stocks, diversify with ETFs, or explore professionally managed mutual funds.

See here for more details on fees.

Recurring deposits and investments

Set it and forget it. Schedule automatic recurring deposits and investments to build your portfolio effortlessly through dollar-cost averaging—no manual transfers or market timing required.

Explore diverse investment options

Build a diversified portfolio with Equities (stocks, ETFs, and mutual funds), use our Roboadvisor for hands-off investing, or optimize your idle cash with Smart Yield. All essential tools to help build your portfolio are available commission-free in one convenient place.

Switching to Carry? We've got you covered

Already have a taxable brokerage? Rolling it over to Carry is straightforward. Transfer cash or existing equities to avoid liquidating your assets in the transfer—we make it simple to initiate.

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

Best for exploring Carry and using core investing tools

Pro

$49 /month
or $499/year

Everything on Core, 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

Best for premium Solo 401k features plus advanced investments and strategies

Compare all features

Questions before joining?

Who is eligible to open a taxable brokerage with Carry?

Anyone 18 or older who is a U.S. resident can open a taxable brokerage account with Carry—no income requirements or contribution limits. Unlike retirement accounts, there are no restrictions on when you can access your funds or how much you can invest.

Smart Yield: Smart Yield is not a bank account and is not FDIC insured. It is an advisory product that programmatically invests client assets in money market mutual funds. Yields are variable and subject to change. Past performance does not guarantee future results. Carry does not guarantee any level of performance or yield. See Smart Yield Disclosures for more information.

Banking: Banking and depository services for Carry Solo401k accounts are offered by Grasshopper Bank, N.A., member FDIC. These accounts are not advised or managed by Carry Advisors. FDIC insurance applies up to $250,000 per account. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured bank. No interest is paid. Carry is a financial technology company, not a bank or FDIC-insured depository institution. See fee schedule.

Content Disclosures:

⑄ Risk: Investing involves risk, including potential loss of principal. Past performance is not a guarantee of future returns. Material presented is informational and not personalized advice. Alternative assets may be speculative, illiquid, or volatile. Consult a licensed tax, legal, or investment advisor before investing.

⑂ IRA Contribution limits and tax treatment for Traditional and Roth IRAs depend on income, IRS rules, and participation in other plans. Backdoor and mega backdoor Roth strategies carry tax complexity. Individuals are responsible for compliance. Consult a qualified tax advisor. Carry does not provide legal or tax advice.

⍏ “Most powerful” reflects an opinion based on the Solo 401(k)’s contribution limits, tax benefits, and investment flexibility. Benefits vary by individual. This does not imply universal superiority. Other retirement accounts may be more appropriate depending on age, income, or goals. Consult a qualified financial or tax professional.

⎏ Solo 401(k) eligibility depends on IRS rules. Not all business owners or side-income earners qualify. 2025 limits ($70,000 or $77,500 with catch-up) depend on income and plan design. Tax benefits and loan features are governed by IRS regulations. Plan administrators—not Carry—are responsible for compliance. Consult a tax advisor.

⍚ Investment Options: While Carry Solo 401(k) and IRA plans may offer diverse investment options, including alternative assets, certain restrictions may apply. Some investments may be prohibited or result in penalties. Individual plan administrators, not Carry, are responsible for ongoing compliance of all plans with Carry.

Testimonials: Unless otherwise noted, statements regarding individuals’ experiences with Carry were made by customers who, at the time of their statements, did not receive any cash, non-cash compensation, or other benefits in exchange for their feedback. These results and experiences may not reflect those of all Carry customers and do not guarantee future performance or success.

Third Party Disclosures:

Self-Directed IRAs are offered by American Estate & Trust, Inc. (”AET”), a licensed custodian. AET administers accounts but does not provide investment advice. Carry Advisors does not manage SDIRAs. Investments are directed by the account holder and subject to IRS rules.

⍏ Crypto investing on Carry is only available via Self-Directed IRAs held with AET, and is not protected by FDIC or SIPC. Investing in crypto is both volatile and speculative, suitable only for those able to bear the risk of complete loss and experience sharp drawdowns. Additional fees may apply.

⍟ Financial planning tools on Carry are exclusively offered by Ontrail, Inc. (dba Uprise), an unaffiliated third party. Uprise is not a registered investment adviser and does not provide investment recommendations. Services are general and not securities advice. See Uprise Terms.

⍾ Tax filing and preparation services on Carry are offered either by Online Taxman, LLC (“OTM”) or April Tax Solutions Inc. (”april”), both independent third-party tax preparation firms unaffiliated with The Vibes Company Inc., Carry Advisors LLC, Global Carry LLC, or Carry Tax LLC. Carry Tax LLC (“Carry Tax”) is a tax technology and tax strategy firm wholly owned by The Vibes Company Inc. Carry Tax partners with third-party tax professionals, including OTM and april, to provide additional tax services including planning, preparation, and filing. All tax services provided through Carry Tax are separate and distinct from any SEC/FINRA-regulated investment advisory or brokerage services.

⍜ Bookkeeping services on Carry are offered either by Layer Financial Technologies Inc. (“Layer”) or Online Taxman, LLC (“OTM”), both independent third-party firms not affiliated with The Vibes Company Inc, Carry Advisors LLC, Global Carry LLC or Carry Tax LLC.

Educational Products:

Carry Lab is an educational product of TVC and operates independently from Carry Advisors and Global Carry. While access to Carry Lab is included with certain TVC memberships, this does not create an advisory or brokerage relationship. Investment services are offered only through Carry Advisors. See our Form CRS and ADV Part 2 for more.

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