Content Disclosure:

No communication by The Vibes Company Inc. ("TVC"), or any of its affiliates (collectively, “Carry”), through this website or any other medium, should be construed or is intended to be a recommendation to purchase, sell or hold any security or otherwise to be investment, tax, financial, accounting, legal, regulatory or compliance advice. Any material provided is for information purposes only, and is not intended as a recommendation, offer, or solicitation to open a brokerage account, open a retirement plan, engage an investment advisor or engage in any investment strategy. The accounts, strategies and/or investments discussed in this material may not be suitable for all investors. The appropriateness of a particular account or investment strategy will depend on an investor's individual circumstances and objectives.

Carry's Give $100, Earn $100 Customer Referral Program:

When a participating client refers a friend to Carry, the client will receive $100 (or the current promotional offer amount) for each friend who successfully joins and maintains their Carry membership. This compensation creates a financial incentive for participating clients to recommend Carry. Any statements participating clients make about Carry when referring a friend constitutes a paid testimonial, and participating clients are required to disclose that they receive compensation from Carry for successful referrals. Please see here for terms.

Most Powerful Account Suitability:

A Solo 401(k)'s suitability depends on individual circumstances. This statement reflects our opinion based on the Solo 401(k)'s combination of high contribution limits, investment flexibility, and tax advantages for eligible individuals. "Most powerful" in this context refers to the potential for high contributions and tax-advantaged growth, not guaranteed performance. The actual benefits and suitability of a Solo 401(k) vary significantly based on individual circumstances, including income level, age, and financial goals. Other retirement accounts may be more appropriate in certain situations. This claim is not intended to imply superiority for all individuals or circumstances. Qualified financial and tax professionals should be consulted to determine the most suitable retirement strategy for your unique situation.

Solo401(k) Eligibility Disclaimer:

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.

IRA Eligibility Disclaimer:

Eligibility, deductibility, and contribution limits for Traditional and Roth IRAs depend on IRS rules, income, and retirement plan participation. Traditional IRA withdrawals are generally taxed as ordinary income, while qualified Roth IRA distributions are tax-free. Early withdrawals may incur penalties. Traditional IRAs have Required Minimum Distributions; Roth IRAs do not. Advanced strategies like Backdoor Roth and Mega Backdoor Roth conversions may be available but have specific rules and potential tax implications. Contribution limits, rules, and available strategies are subject to change. Individuals are responsible for the ongoing compliance of their plans with current IRS regulations. Consult a tax professional for personalized advice on basic and advanced IRA strategies. Carry does not provide tax or legal counsel.

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.

Risk and Returns:

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.

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.

† Carry Advisors: ****

Carry Advisors LLC, an SEC-registered investment adviser, provides investment advisory services for discretionary and non-discretionary brokerage accounts (e.g., Solo 401(k), IRA, taxable brokerage accounts). Advisory fees may apply and are described in our Form ADV and CRS. Bank and Trust accounts are not advised by Carry Advisors and are subject to separate agreements. Brokerage accounts are introduced by Global Carry LLC and carried by DriveWealth LLC, both members FINRA/SIPC. Carry Advisors does not provide tax advice.

Customer Relationship:

Carry offers services through membership tiers of our parent company, The Vibes Company Inc. (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.