Getting Started on Carry

Welcome to Carry! You're one step closer towards building your wealth through smart tax optimization. Carry is your go-to platform for maximizing tax savings, setting up powerful retirement plans, and investing in your financial goals.

Have Questions? We've got you covered. Reach out to our support team at any time: support@carry.com 

1. Open an Account and Get Set Up

   • What Type of Account Could I Open?

2. Fund Your Account

   • One-Time Deposit to Get Started

   • Funding Through Payroll

   • Rollovers into Carry

   • Auto Contributions / Recurring Deposits

3. Understand Solo 401k Advantages

   • Benefits of a Solo 401k

4. Explore Carry’s Unique Features

   • Alternative Investing

   • Investing on Carry

   • Additional Benefits

5. Additional Resources

   • Setup Guides

   • Deadlines

   • Contribution Information

Selecting the right account depends on your financial goals and eligibility. Explore the differences:

• What Account Types Does Carry Offer? Learn More

• What is a Solo 401k? A tax-advantaged retirement plan for self-employed individuals or small business owners, offering high contribution limits and employer/employee contribution flexibility. Learn More

• Roth IRA vs. Traditional IRA: Roth IRAs allow tax-free withdrawals in retirement, while Traditional IRAs offer tax-deferred contributions and growth. Learn More

• Solo 401k vs. IRA (Traditional & Roth): Which Is Better for Business Owners? Learn More

• What Is a Roth IRA? Learn More

• Roth IRA vs. Roth Solo 401k: Key Differences? Learn More

Kickstart your contributions with a one-time deposit. Carry offers competitive high yields on cash, ensuring your money works for you:

• How to Open and Fund a Solo 401k Get step-by-step guidance to set up and fund your account. Learn More

• How to Open and Fund an IRA Follow our simple instructions to get started. Learn More

• What Bank Account Should Solo 401k Contributions Come From? Learn More

Set up contributions through your Gusto payroll to automate deposits and contribute regularly. Learn More

Transfer and consolidate your existing retirement accounts into Carry for streamlined management and better control:

• IRA to Carry Solo 401k Learn More

• Solo 401k to Carry Solo 401k Learn More

• IRA to Carry IRA Learn More

Consistently contribute with recurring deposits that fit your budget and goals. Learn More

• EACA Tax Credit: Qualify for up to $1,500 in tax credits by enabling auto-contributions in your Solo 401k Plan. Learn More

• Mega Backdoor Roth Strategy (MBDR): Use after-tax contributions to invest tax-free. Learn More

• Spousal Accounts: Include your spouse in your Solo 401k to maximize family contributions. Learn More

Expand your portfolio with alternative assets:

• Through Your Solo 401k^: Invest in real estate, private equity, and more. Learn More

• Through Your IRA†: Diversify with alternative assets using tax-advantaged accounts. Learn More

• Angel Investing with IRA: Invest in startups with IRA funds. Learn More

• Crypto with Carry IRA: Invest in cryptocurrency within your IRA. Learn More

Invest in stocks and ETFs† effortlessly:

• Stocks: Trade individual stocks seamlessly and commission free. Learn More

• ETFs: Diversify with exchange-traded funds. Learn More

• Roboadvisor*: Automate your investment decisions with Carry’s Robo Advisor, which offers automated, tailored portfolio management based on your inputs.

• Backdoor IRA Strategy: Optimize your contribution limits with a strategic Backdoor IRA. Learn More

• Financial Planner Add-On: Access expert planning tailored to your financial situation. Learn More

• Bookkeeping Add-On: Simple, affordable bookkeeping for Carry customers. Learn More

• Education and Events: Learn and grow with curated resources, courses and expert sessions. Learn More

• How Do I Link My Bank Account to Carry? Learn More

• How Do I Add a Beneficiary? Learn More

• Where Can I Find Documents or Statements? Learn More

• Solo 401k Specific Deadlines: Learn More

• Tax Filing Deadlines: Learn More

• Employer vs. Employee Solo 401k Contributions: Learn More

• How Solo 401k Contribution Limits Are Calculated: Learn More

• What Income Is Eligible for a Solo 401k? Learn More

• IRA Contribution Limits: Learn More

We’re excited to help you maximize your tax savings and achieve your financial goals! For any questions or additional support, contact us at support@carry.com 

*Investment advisory services offered by Carry Advisors LLC ("Carry Advisors"), an SEC Registered Investment Adviser. While Carry Advisors internet-based advisory services are designed to assist clients in achieving customer defined financial goals, asset allocations and diversification do not guarantee a profit or protect against a loss, and past performance is no guarantee of future results. Carry Advisors does not provide tax advice. For more details, see our Form CRS, Form ADV Part 2 and other disclosures.

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.

^ Carry is a financial technology company, not a bank or FDIC-insured depository institution. Banking and depository services for Carry Solo401k accounts are offered by Grasshopper Bank, N.A., member FDIC. Accounts offered by Grasshopper Bank, N.A. are FDIC insured up to $250,000 per account but do not yield interest. Fees effective as per the date on the applicable rate sheet and subject to change without notice. Banking fee schedule here. Grasshopper Bank, N.A. is not affiliated with Carry and accounts offered by Grasshopper Bank, N.A. are not serviced by Carry Advisors.

† Certain in-app brokerage accounts are offered and maintained by DriveWealth LLC ("DriveWealth"), member FINRA/SIPC. Securities in your DriveWealth brokerage account are protected by the Securities Investor Protection Corporation (SIPC) against custodial loss up to $500,000, including a $250,000 limit for cash.

IRA plans are offered by DriveWealth, LLC and opened via the Carry platform. Additional fees may apply to certain services provided by DriveWealth. See DriveWealth Fee Schedule and DriveWealth's Disclosure Statement for more information.