Carry Finance

: 2024 Review

Best for Solo 401(k)s
Starts at $299/year
United States


Carry Finance

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Carry Finance is my Self-Directed Solo 401k provider. I use their platform to manage my Solo 401k tax-advantaged accounts and investments as an LLC business owner. What I've appreciated about Carry is its simple user experience, flexibility to invest in a variety of asset classes, and useful educational resources on taxes for business owners.

Key Benefits and Features

  • Simple Solo 401(k) setup flow tailored to business owners, freelancers, and self-employed individuals
  • Deduct up to $69,000 from your taxes and get tax-free growth on your contributions
  • Use your self-directed Solo 401(k) to invest in both traditional assets such as stocks, ETFs, and bonds, as well as alternative options like real estate and cryptocurrency
  • Roth and Traditional IRAs offered
  • Supports an easy-to-use backdoor Roth conversion tool (without requiring a phone call like other brokers)
  • Offset your taxes with alternative investments, backdoor Roth IRA, and estate planning trusts
  • Flat annual fee (no AUM fees) covers all 401(k) management and financial planning requirements
  • Access Solo 401(k) loans and repayment options


  • Basic Plan: $299/year
  • Pro Plan: $499/year
  • VIP Plan: $6,000 - $18,000/year

Sources: The College Investor

Dexter Zhuang
Dexter Zhuang

Dexter is the founder of Money Abroad, a website and newsletter on building wealth for global professionals. Over the last 10 years, he's been a product leader, product manager, consultant and coach at companies like Dropbox, Xendit, and growth-stage startups across the US, Asia Pacific, and Latin America. His work has been featured in global publications like Business Insider, CBS, US News & World Report, and Tech in Asia. He graduated from Dartmouth College.

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