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.

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:

Eligibility for a Solo 401(k) is subject to specific IRS requirements. Not all business owners or individuals with side income will qualify. The maximum contribution limit of $69,000 (or $76,500 for those age 50 and over) for 2023 is not universally applicable and depends on factors such as your earned income, age, and specific plan details. Please consult with a tax professional to determine your eligibility. Tax deductions and growth are subject to IRS rules and regulations. Withdrawals from traditional 401(k) accounts are generally taxed as ordinary income when distributed. Borrowing from your 401(k) may have significant tax consequences and could impact your retirement savings. Loans must be repaid according to IRS guidelines. Individual Plan administrators are responsible for ongoing compliance of all plans on Carry’s platform.

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 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 are responsible for ongoing compliance of all plans with Carry.

Risk and Returns:

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.

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: ****

****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.

Customer Relationship:

To open an Invest Account and/or receive advisory services from Carry Advisors, clients must also maintain an active subscription with The Vibes Company Inc. ("TVC"), which charges a subscription fee. Carry Advisors clients who subscribe to TVC are not charged an AUM (Assets Under Management) fee for advisory services provided through the Carry platform.

TVC is an unregistered affiliate that provides financial technology solutions, general financial education, and assistance with Solo 401(k) setup and administration. TVC does not offer financial, legal or tax advice. Customers who open a Solo 401(k) through TVC but choose to invest through other providers outside the Carry platform may incur AUM or other fees from those providers.

† Banking Services:

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.