At Carry, our upfront fee is transparent and covers full access to our plans and services. Curious about what each tier offers? Check out our detailed pricing list here: carry.com/pricing
Carry Self-Directed IRAs
A retirement plan for alternative investments
Take advantage of investing in alternative assets like private companies, real estate, or crypto, all through a Traditional or Roth IRA.
A supercharged retirement plan for business owners
Invest in alternative assets
Investing in alternative assets is easy with Carry. You can invest in any alternative asset class permitted by law, including real estate, private equity, crypto, or even shares of a sports team.
Maximize your contributions
Want more capital for bigger investments? Contribute up to $7,000 for 2024, or easily transfer in funds from other retirement accounts. We also include support for mega backdoor conversions with our Solo 401k.
Built-in crypto trading
Buy and sell major cryptocurrencies like Bitcoin, Ethereum, and Solana directly through the Carry platform, without the headache of having to report every gain and loss for taxes.
Tax-free compounding
All income or profits generated from your investments go straight back into your account, growing tax free until you’re ready to take a distribution. With our Roth account, withdrawals in retirement are completely tax-free.
Discover why our customers trust Carry
"I am in *heaven* with Carry. Payroll deduction to my Solo 401k and then automatically invested. You solved the use case that matters most. If i wasn’t running my own startup, I’d want to work with you all."
Cheryl Kellond, Carry Customer
"Major shoutout to my tax strategist from [Carry]. She crafted for me a 32-page tax and financial plan that outlined insurance, retirement, and how to achieve my LT goals."
Austin Hankwitz, Carry Customer
"Thanks so much. I reviewed my financial plan and it provided a lot of guidance and things to think about in terms of my long-term goals."
Sherrell Dorsey, Carry Customer
"It was one of the first platforms I’ve seen that specifically targets and helps solopreneurs, s-corp owners, self-employed, and gives them an all-in-one platform to easily manage retirement and tax saving strategies and accounts. I once tried to open a Solo 401k with [Other Provider], and it was a daunting task. Carry was a few clicks."
Nick Chester, Carry Customer
"I love Carry so much. It was so easy to set up my Solo 401k (which if you’ve ever tried to do that, it’s not always super simple) and inside I was able to invest in a ton of different ETF options"
Erin Confortini, Carry Customer
These are real testimonials from real customers, who have not been compensated.
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!
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! You can use your SSN instead of an EIN to open a Solo 401k with Carry.
No LLC? No problem! You can use your SSN instead of an EIN to open a Solo 401k with Carry.
Who can set up a Solo 401k?
You would most likely qualify if:
Feel free to reach out to us if you have any questions!
- 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?
Fees include:
For more information, you can refer to carry.com/fees.
- 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
- Managed investment accounts including Smart Yield and Roboadvisor are subject to annual advisory fees of 0.20% (currently waived through December 31, 2025)
For more information, you can refer to carry.com/fees.
Can I/how do I invest in alternative assets with Carry?
With Carry, you can explore alternative asset investments, like crypto inside your Solo401k or IRA. Learn more about Solo 401ks here and IRAs here.