Carry is a financial technology platform operated by Lettuce Financial Labs Inc. Carry Advisors LLC and Global Carry LLC are wholly owned subsidiaries of Lettuce Financial Labs Inc. and operate under the Carry brand (together with the platform, “Carry”). Carry is a separate product from the Lettuce platform, and a Carry membership is separate and distinct from any membership offered on the Lettuce platform. No communication by 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 brokerage accounts) managed by Carry Advisors LLC. Other accounts, including bank and trust accounts, are not advisory accounts. All content is informational only and may not be suitable for everyone. Services are available only to U.S. citizens and U.S. legal residents.
Customer Relationship: Carry memberships are governed by our Terms of Use, Privacy Policy, and Disclaimer. Investment advisory services are provided only for eligible account types by Carry Advisors LLC, an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Certain brokerage accounts are introduced by Global Carry LLC, a FINRA/SIPC member, which does not provide investment advice or recommendations. Carry provides technology, Solo 401(k) plan setup support, and free general educational content, and does not provide regulated financial services. Carry is a financial technology company, not a bank, and is not an FDIC-insured depository institution. Customers who open a Solo 401(k) through Carry 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). Effective July 1, 2026, Carry Advisors has waived the advisory fee for its Smart Yield and Roboadvisor programs and may reinstate a fee on at least 30 days’ advance notice. Equities accounts are non-discretionary and pay no advisory fee. Access to advisory services requires an active Carry membership. Fees are described in our Form ADV Part 2A and at carry.com/fees. Advisory accounts are limited to publicly traded equities, ETFs, and money market funds custodied at DriveWealth LLC. Bank accounts, trust accounts, and self-directed alternative asset accounts are not advised or managed by Carry Advisors. Carry Advisors does not provide tax, legal, or accounting advice. See our Form CRS and Form ADV Part 2A.
Affiliate Relationships and Conflicts: Carry Advisors LLC and Global Carry LLC are affiliates under common ownership. Advisory clients are required to maintain an active Carry membership on an eligible tier to access advisory services. All advisory client securities transactions are introduced through Global Carry LLC and cleared and custodied by DriveWealth LLC. Carry Advisors LLC does not consider other brokers or custodians. These arrangements create conflicts of interest, which are described in our Form ADV Part 2A and Form CRS
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. Global Carry LLC does not hold client funds or securities. Securities in your brokerage account are protected by SIPC up to $500,000 (including $250,000 for cash claims). SIPC coverage protects against the failure of a broker-dealer, not against market losses. IRA plans offered on the Carry platform are opened through DriveWealth LLC. Additional fees may apply. See the Carry Fee Schedule, DriveWealth’s Disclosures, and Global Carry’s Form 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 Sweep: Uninvested cash in your brokerage account is automatically swept to FDIC-insured Program Banks through DriveWealth’s Bank Sweep Deposit Program. You do not receive interest on swept cash. DriveWealth shares a portion of the interest it earns with Global Carry LLC, an affiliate of Carry Advisors LLC, so Carry earns more when you hold larger uninvested cash balances. This is a conflict of interest. Swept cash is eligible for FDIC insurance up to $250,000 per depositor, per Program Bank, and up to $1,000,000 across the program, reduced by other deposits you hold at the same bank. Sweep deposits are not securities and are not SIPC protected. See DriveWealth’s Bank Sweep Disclosure
Banking: Banking and depository services for Carry Solo 401(k) accounts are offered by Grasshopper Bank, N.A., member FDIC, through a program arrangement between Grasshopper Bank and Lettuce Financial Labs Inc. These accounts are opened under a separate agreement with Grasshopper Bank and are not offered, introduced, advised, or managed by Carry Advisors LLC or Global Carry LLC. FDIC insurance applies up to $250,000 per depositor, per insured bank, for each ownership category, and protects only against the failure of an FDIC-insured bank. No interest is paid on these balances. Carry is a financial technology company, not a bank. See fee schedule.
⑄ Risk: Investing involves risk, including potential loss of principal. Past performance is not a guarantee of future results. Material presented is informational and not personalized advice. Alternative assets may be speculative, illiquid, or volatile. Consult a licensed tax, legal, or investment professional 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.
⍏ Solo 401(k) plans: “Most powerful retirement account in America” refers to the general features of Solo 401(k) plans as a retirement account type, including contribution limits, Roth and mega backdoor Roth options, loan provisions, and investment flexibility. It does not refer to any feature exclusive to Carry. Solo 401(k) plans are established under IRS rules and are available from multiple providers. This is an opinion about the plan type, not a comparative claim about Carry’s offering. Eligibility depends on IRS rules, and other retirement accounts may be more appropriate depending on your age, income, business structure, or goals. Consult a qualified tax professional.
⎏ Solo 401(k) Eligibility: Eligibility depends on IRS rules. Not all business owners or side-income earners qualify. 2026 limits ($72,000, or $80,000 with age-based catch-up contributions) depend on income, age, and plan design. Tax benefits and loan features are governed by IRS regulations. Solo 401(k) plans on the Carry platform are self-administered and trusteed by the plan sponsor. The plan sponsor, not Carry, is responsible for ongoing plan compliance. Consult a tax advisor.
⍚ Investment Options: While Carry Solo 401(k) and IRA plans may offer a range of investment options, including alternative assets, restrictions apply. Certain investments are prohibited or may result in taxes and penalties, including prohibited transaction and unrelated business taxable income consequences. Plan sponsors and account holders, not Carry, are responsible for ongoing compliance.
⊙ Smart Yield: Smart Yield is not a bank account and is not FDIC insured. It is an advisory product offered by Carry Advisors LLC that programmatically invests client assets in money market mutual funds. Money market funds are securities, may lose value, and are not guaranteed. Yields are variable and subject to change. Carry does not guarantee any level of performance or yield. See Smart Yield Disclosures.
Testimonials: Statements regarding individuals’ experiences with Carry were made by persons who were Carry customers at the time of their statements. Unless otherwise noted, no cash or non-cash compensation was provided in exchange for these statements, and Carry is not aware of any material conflicts of interest arising from the relationship between Carry and the person giving the statement. Testimonials are not representative of the experience of all customers and are not a guarantee of future performance or success.
Third Party Disclosures: Self-directed IRAs are offered by American Estate & Trust, Inc. (“AET”), a licensed custodian and an unaffiliated third party, under a separate agreement between you and AET. AET administers accounts and does not provide investment advice. Neither Carry Advisors LLC nor Global Carry LLC advises, manages, or has any role in self-directed IRA accounts. Investments are directed solely by the account holder and are subject to IRS rules. Crypto investing on Carry is available only through self-directed IRAs held at AET and is not protected by FDIC or SIPC insurance. Crypto assets are volatile and speculative and are suitable only for investors able to bear the risk of complete loss and sharp drawdowns. Additional fees may apply.
⍏ Crypto investing on Carry is available only through self-directed IRAs held at AET and is not protected by FDIC or SIPC insurance. Crypto assets are volatile and speculative and are suitable only for investors able to bear the risk of complete loss and sharp drawdowns. Additional fees may apply.
Carry x Lettuce 
