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
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
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Max out contributions
Contribute up to $7,000 for 2024 or up to $8,000 if you’re at least 50 years of age.
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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.
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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.
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Tax-free compounding
Pay zero taxes on any income or profits generated from your investments inside of the plan. 100% of your profits go straight back into your account.
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.
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Discover why our customers trust Carry
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 to explore alternative asset investments. Learn more about SDIRAs and how to get started here: carry.com/sdira.
- 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