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), but this does not cover 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. 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.
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. 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. 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, preparation and planning services on Carry are offered by April Tax Solutions Inc. (“april”), an independent third-party tax preparation firm 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 april’s Terms of Use
⍜ 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.
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.
Carry VIP:
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.
