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Carry vs Nabers
Carry and Nabers both provide competitive solo 401k plans with premium features like Roth, rollovers, mega backdoor, and the ability to invest in any asset class*.
How does Carry compare with The Nabers Group Solo 401k?
Carry and Nabers both provide competitive solo 401k plans with premium features like Roth, rollovers, mega backdoor, and the ability to invest in any asset class*. The main differences between the two plans are the annual fee, user experience, and Carry is an all-in-one platform with integrated brokerage accounts directly built in, while you’ll have to find a third party bank and brokerage that will accept your Nabers Group Solo 401k plan. Carry costs just $299/year for all solo 401k features*, priority support, and unlimited investments into any asset class*. Nabers Group Solo 401k costs $49/month or $588/year to create your plan documents and maintain your account for you. It’s still up to you to take the plan documents they give you to a third party bank and brokerage that will accept them.
The smoothest solo 401k experience
Carry reimagined the solo 401k sign up experience. Instead of reading through and signing 50+ pages of paperwork by hand, you can sign up in under 10 minutes, and sign all of the required papers online through the app, with support anytime you need it.
Simple, transparent pricing
Carry costs $299/year for all features, including integrated brokerage platforms so you can make contributions and invest directly within the Carry app*. Nabers Group costs $49/month or $588/year to create your plan docs and maintain your account.
Integrated brokerage platforms
With Carry, you can set elections, make contributions, and even invest your solo 401k funds* all directly through the Carry app. You’ll have access to beautiful performance and transaction reports, all through an intuitive, user-friendly interface.
| Features | Carry Solo 401k | Nabers Solo 401k |
|---|---|---|
| Cost | $299/year* | $588/year – ($49/month) |
| Integrated brokerage account | Yes, open a brokerage account directly within the Carry app*. | No, find a third party brokerage that will accept the Nabers Group solo 401k plan documents. |
| Making investments | Directly from the Carry app, with checkbook control*. | With a third party brokerage, with checkbook control. |
| Roth option | ✅ | ✅ |
| Mega backdoor Roth | ✅ | ✅ |
| Alternative investments | ✅ | ✅ |
| Loans | ❌ | ✅ |
| Checkbook control | ✅ | ✅ |
| Rollovers | ✅ | ✅ |
Why business owners love the Carry Solo 401k
Carry is the smoothest solo 401k experience. Set up an account in under 10 minutes, and do everything you need through the Carry app. Make contributions (up to $66,000), set your elections, invest your funds*, and see your investment performance all without ever leaving Carry.
The highest contribution limits
Contribute up to $61,000 for 2022 and $66,000 for 2023. In comparison, an IRA has a limit of $6,000 and a 401k has a limit of $20,500.
Up to $66,000 in Roth contributions
Make normal contributions up to $22,500 into your Roth solo 401k account, or use Carry’s mega backdoor Roth feature and contribute 3x more, up to $66,000 for 2023.
A modern interface
Carry has the best, most intuitive user experience you’ll ever have with opening and investing your solo 401k account. It takes just 10 minutes to open and setup your account.
Access to alternative assets
In additional to traditional assets like stocks, bonds, ETFs, and mutual funds, Carry allows you to invest your retirement savings into any asset class, including alternative assets like real estate, crypto, NFTs, and private equity*.
Integrated brokerage platforms
Most solo 401k plan providers, including Nabers Group, only provide you with the solo 401k plan documents and perform maintenance duties for an annual fee. After you receive the plan documents, it’s up to you to find a third party bank and brokerage that will accept them. Carry has integrated brokerage accounts directly built in, allowing you to make contributions, and make investments without ever leaving the Carry app*.
Carry is trusted and backed by the world’s top entrepreneurs, creators and money experts.
“The level of insight you get in terms of your money management is not something I’ve seen on any other apps I’ve used.”
3500
Early Stage Users
100+
Startup founders have invested in Carry
$5M+
In preseed funding
Built by the team that built:
“The Carry Solo 401k is a retirement plan so powerful and flexible that it feels like you’re getting access to a tax loophole.”
Elizabeth Yin
Cofounder, Hustle Fund
“Every business owner, creator, and self-employed person should have one. The benefits and tax savings each year are a no-brainer.”
Sebastian Fung
Owner, Ask Sebby
“Carry built something I’ve wanted to exist for a long time – the modern solo 401k with all the best features and full admin support.”
Nate O’Brien
Investor & YouTuber
Sign Up to Carry and get all-inclusive access to all of our products
Carry is an annual membership that includes:
Solo 401k
Ownership of an Carry Solo 401k plan, contribute up to $66,000 for 2023, and invest in any asset class with tax-free compounding.
Education
Access to Carry’s entire library of on-demand finance and business courses (including all summit replays). Plus join in on our live webinars and AMAs with guest experts.
Carry IRAs (Roth + Traditional) You’ll get immediate access to both accounts on any plan**.
Personalized Financial Plans Starting at the end of May, access a custom financial plan built by our financial advisors for your specific financial situation and goals (only available on our Professional Plan)*.
“Ask an Advisor”
Get advice from our team of financial experts (only available on our Professional Plan)*.
Full Support
Onboarding, compliance, and tax-filing support. Get help from our world class support team any time you need assistance.
Basic Plan ($399 $299/year)
Carry Solo 401k Plan
Carry IRAs (Traditional + Roth)†
Security & compliance monitoring, full onboarding support and account administration assistance.
On-demand courses uploaded regularly on a variety of personal + business finance topics
Live events with financial guest experts, both workshops and AMA style conversations
Professional Plan ($999 $499/year)
Carry Solo 401k Plan
Carry IRAs (Traditional + Roth)†
Security & compliance monitoring, full onboarding support and account administration assistance.
On-demand courses uploaded regularly on a variety of personal + business finance topics
Live events with financial guest experts, both workshops and AMA style conversations
Plus: Personalized financial plan)◊
Plus: Access to “Ask an Advisor”◊
Sign Up to Carry and get all-inclusive access to all of our products
Carry is an annual membership that includes:
Solo 401k
Ownership of an Carry Solo 401k plan, contribute up to $66,000 for 2023, and invest in any asset class through your plan with tax-free compounding.
Education
Access to Carry’s entire library of on-demand finance and business courses (including all summit replays). Plus join in on our live webinars and AMAs with guest experts.
Carry IRAs (Roth + Traditional) You’ll get immediate access to both accounts on any plan.†
Personalized Financial Plans Starting at the end of May, access a custom financial plan built by our financial advisors for your specific financial situation and goals (only available on our Professional Plan).◊
“Ask an Advisor”
Get advice from our team of financial experts (only available on our Professional Plan).◊
Full Support
Onboarding, compliance, and tax-filing support. Get help from our world class support team any time you need assistance.
Basic Plan ($299/year)
Carry Solo 401k Plan
Carry IRAs (Traditional + Roth)†
Security & compliance monitoring, full onboarding support and account administration assistance.
On-demand courses uploaded regularly on a variety of personal + business finance topics
Live events with financial guest experts, both workshops and AMA style conversations
Professional Plan ($999/year)
Carry Solo 401k Plan
Carry IRAs (Traditional + Roth)†
Security & compliance monitoring, full onboarding support and account administration assistance.
On-demand courses uploaded regularly on a variety of personal + business finance topics
Live events with financial guest experts, both workshops and AMA style conversations
Plus: Personalized financial plan◊
Plus: Access to “Ask an Advisor”◊