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 everyone.
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.
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 2A. Bank and trust accounts are not advised by Carry Advisors. Brokerage accounts are introduced by Global Carry LLC and carried by DriveWealth LLC, both members FINRA/SIPC. Carry Advisors does not provide tax advice. See our Form CRS and ADV Part 2A.
Brokerage Services: Brokerage accounts are introduced by Global Carry LLC, a registered broker-dealer and member of FINRA/SIPC, and carried by DriveWealth LLC, member FINRA/SIPC. Securities in your brokerage account are protected by SIPC up to $500,000 (including $250,000 for cash), with additional excess SIPC coverage available. Coverage does not protect against market losses. IRA plans offered on the Carry platform are opened through DriveWealth LLC. Additional fees may apply. See DriveWealth Fee Schedule and DriveWealth’s Disclosure, or Global Carry’s CRS. 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 and protected up to $1 million per depositor through DriveWealth’s multi-bank sweep program. No interest is paid on these balances. FDIC insurance applies only to cash, not securities.
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.
⑄ 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. 2026 limits ($72,000 or $80,000 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.
⊙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.
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.
Form 5498 Guide on IRA Contributions and Rollovers
Traditional IRA Deadlines & Contribution Limits for 2025