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Carry IRAs

Your financial independence starts with a Carry IRA

Open a Traditional or Roth IRA by Carry to easily invest in stocks and ETFs. Earnings have tax-free or tax-deferred growth potential, so you’ll keep more of what you invest.

Maximize your retirement savings

Max out contributions

Contribute up to $7,000 for 2024 or up to $8,000 if you’re at least 50 years of age.

Total investment freedom

Invest in any asset class permitted by law, including stocks and ETFs or alternative assets like crypto, real estate, or private equity.

Support for a Backdoor IRA

If your income is over $161,000, you’re not allowed to contribute to a Roth IRA for 2024. With Carry, you can easily do a backdoor IRA conversion to get around this restriction and contribute up to the full amount.

Tax-free compounding

All income or profits generated from your investments go straight back into your account, growing tax free until you’re ready to take a distribution. With our Roth account, withdrawals in retirement are completely tax-free.

Backdoor Roth conversions are easy with Carry

A Roth IRA has income limits that restrict high income earners from making contributions. A backdoor Roth IRA is an easy workaround that lets anyone put money into their Roth IRA each year. The best part? Carry does all of the heavy lifting for you.

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

Questions before joining?

Why does Carry have an upfront fee?

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

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?

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 explore alternative asset investments, like crypto inside your Solo401k or IRA. Learn more about Solo 401ks here and IRAs here.