⍾ No communication by The Vibes Company Inc. ("TVC")
or its affiliates, including Carry Advisors LLC, Carry Tax LLC and Global
Carry LLC (together, "Carry"), should be construed as investment, tax, legal,
or accounting advice, or as a recommendation to buy, sell, or hold any security.
Advisory services apply only to certain account types (e.g., Solo 401(k), IRA,
taxable accounts) managed by Carry Advisors LLC. Other accounts, such as bank and
trust accounts, are not advisory accounts. All content is informational only and
may not be suitable for all investors.
⍏ "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.
⎑ 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.
⍚ 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.
⍜ Risk and Returns: All investments involve the risk of loss, and past
performance does not guarantee future results. Investment growth or
profit is never a guarantee. Any material provided is for
informational purposes only and does not provide personalized
investment or tax advice, nor does it account for your specific
financial situation or holdings elsewhere. Investments in alternative
assets are speculative, generally illiquid and involve a higher degree
of risk. Those investors who cannot afford to lose their entire
investment should not invest in alternative assets. Before making any
financial decisions, consult with qualified legal, tax, or financial
advisors to ensure appropriateness for your individual circumstances.
⍟ 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.
† Advisory Services: Carry Advisors LLC, an SEC-registered investment adviser, provides
investment advisory services for discretionary and non-discretionary accounts
(e.g., Solo 401(k), IRA, taxable brokerage accounts). Advisory fees may apply and are described
in our Form ADV. Bank and trust accounts are not advised by Carry Advisors. Brokerage accounts
are introduced by Global Carry LLC, member FINRA/SIPC, and carried by DriveWealth LLC. Carry
Advisors does not provide tax advice. See our
Form CRS, Form ADV Part 2A.
⑄ Customer Relationship: Carry offers services through membership tiers of our parent company,
TVC. Investment advisory services are provided only for eligible account types by Carry Advisors LLC,
an SEC-registered investment adviser. Certain brokerage accounts are introduced by Global Carry LLC,
a FINRA/SIPC member, which does not provide investment advice. TVC provides general financial education
and Solo 401(k) setup support but does not offer regulated financial services. Customers who open a Solo
401(k) through TVC and invest outside the Carry platform may be subject to fees from external providers.
⑂ TVC: TVC is an unregistered affiliate that provides financial technology solutions, general financial education, and
assistance with Solo 401(k) setup and administration. Carry Advisors and Global Carry are all wholly owned
subsidiaries of TVC. TVC does not offer financial, legal or tax advice. Customers who open a Solo 401(k) through
TVC but choose to invest through other providers outside the Carry platform may incur AUM or other fees from those providers.
* Banking: Banking and depository services for Carry Solo401k accounts are offered by Grasshopper
Bank, N.A., member FDIC. These accounts are not advisory and are not managed by Carry Advisors.
FDIC insurance applies up to $250,000 per account. No interest is paid. Carry is a financial
technology company, not a bank or FDIC-insured depository institution. See fee schedule.
See fee schedule.
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.
⎏ 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.
§ IRA plans offered on the Carry platform are opened through
DriveWealth LLC. Additional fees may apply. See
DriveWealth Fee Schedule and
DriveWealth’s Disclosure.
To check the background of Global Carry LLC or its registered professionals, visit
FINRA’s BrokerCheck .
For more about SIPC protection, visit
www.sipc.org.
Cash balances in DriveWealth brokerage accounts are held at FDIC-insured Program Banks.
These balances are protected up to $250,000 per depositor, per institution, per ownership category.
No interest or APY is paid on these balances. FDIC insurance applies only to cash, not securities.
⎒ Brokerage Cash Yield: Cash balances in your DriveWealth brokerage
accounts, when deposited through their Bank Sweep Deposit Program are
swept in FDIC-insured deposit accounts at one or more participating
Program Banks. These cash balances are FDIC insured up to $250,000 per
depositor, per FDIC-insured bank, per ownership category. Please note,
this FDIC insurance applies only to the cash held in your DriveWealth
brokerage account and does not cover any securities or other
investments.
This Bank Sweep Deposit Program may provide interest on your cash
balances. The advertised Annual Percentage Yield (APY) of 5.1393% APY
is current as of October 1, 2024 and is subject to change without
prior notice. The APY represents the total amount of interest earned
on an account based on the interest rate and frequency of compounding
for a 365-day period. For the most up-to-date rate, please visit our
website or contact us at support@carry.com. For more information, please refer to DriveWealth's Disclosure Statement.
¶ 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.
Bookkeeping services on Carry are provided by Layer Financial Technologies Inc.
("Layer"). Layer is an independent third-party firms not affiliated with The
Vibes Company Inc, Carry Advisors LLC, Global Carry LLC or Carry Tax LLC.
Carry does not provide tax advice. Terms apply, details are available in Layer's
Terms of Service.
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 for more.
Carry Tax LLC ("Carry VIP") is a tax advisory firm wholly owned by The Vibes Company Inc.
Carry VIP operates independently and is not affiliated with Carry Advisors LLC or Global
Carry LLC. Tax advisory services provided by Carry VIP are separate and distinct from any
SEC/FINRA-regulated investment advisory or brokerage services and are not conducted
through those entities. All tax advice and services are provided under a separate
agreement and tax advice may be serviced through licensed third parties.
Tax outcomes depend on individual circumstances, and prior results do not guarantee
similar outcomes. Carry VIP does not guarantee the avoidance of additional taxes,
penalties, or interest, which may be assessed by tax authorities even after return
filing or completion. Clients should consult their own tax, legal, and financial
professionals regarding their specific situation.
IRS CIRCULAR 230 DISCLOSURE: Any tax advice contained in this communication is not
intended or written to be used, and cannot be used, for the purpose of avoiding
penalties under the Internal Revenue Code. Carry VIP does not provide legal or
accounting advice, and clients should consult their own qualified professionals
for specific guidance.
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.
What Can You Invest in with a Self-Directed IRA? (50 Examples)