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Carry vs Ubiquity
Carry is an all-in-one solo 401k platform. You can make contributions and invest your funds directly through integrated investment platforms with an Carry Solo 401k*. Ubiquity will set up your plan documents and do your record keeping, but it’s up to you to find a brokerage that will accept them.
How is Carry different from Ubiquity’s Solo 401k?
Ubiquity’s Solo 401k is a self-directed solo 401k plan with many similarities as the Carry Solo 401k in terms of features offered. You’ll get checkbook control to invest in any asset class*, a Roth option, and the ability to do a mega backdoor solo 401k. The difference between the two providers is that with Carry, everything is included in one transparent yearly fee. There are no fees for assets under management, no hidden fees, and no extra fees based on solo 401k features*. You can do everything within Carry, from setting elections, making contributions, and investing your funds. With Ubiquity, you pay for the plan documents and maintenance, but you have to take the documents they provide to you and find a brokerage that will accept them.
All In One Platform
Do everything within the Carry app. You can set elections, make contributions, and even invest your solo 401k funds using Carry’s integrated brokerage platforms*.
A modern user interface
Carry is the most beautiful and intuitive solo 401k experience in the world. You can set up your account in under 10 minutes, sign all paperwork directly within the app, and see all your investments in one place.
Transparent pricing
Carry is just $299/year for all features and investments. There are no hidden fees, additional charges, or any fees for assets under management*. You get everything, including world-class support for one low price.
| Features | Carry Solo 401k | Ubiquity Solo 401k |
|---|---|---|
| Cost | $299/year for unlimited investments*. | Starts at $18/month ($216/year) |
| Roth option | ✅ | ✅ |
| Mega backdoor Roth | ✅ | ✅ |
| Customer support | ✅ | ❌ |
| Compliance support | ✅ | ❌ |
| Making contributions | Online through the Carry app | Find a brokerage that will accept the Ubiquity solo 401k plan documents. |
| Integrated investment platform | ✅ | ❌ |
| Rollovers | ✅ | Depends on the brokerage you go with. |
Why Carry is the preferred solo 401k plan for business owners
The Carry Solo 401k is a modern solo 401k plan with the smoothest user experience you’ll find. You can set up an account in under 10 minutes, get world class customer support whenever you need help, and can do everything you need through Carry’s intuitive user dashboard.
All in one platform
Make contributions, check compliance, and even make investments all through the Carry app*. Ubiquity is a different kind of solo 401k plan. They’ll create your plan documents and do your record keeping for you for a fee (starting at $18/month) but you’ll have to take your plan documents to a brokerage who will accept them to start making contributions and investing your money
The highest contribution limits
Contribute as much as $61,000 for 2022 and $66,000 for 2023. That’s 3x higher than a 401k and 10x higher than an IRA. Contribute up to $20,500 into your Roth solo 401k for 2022, and up to $22,500 for 2023.
An intuitive user interface
A solo 401k has many moving parts and can get a little complicating if this is your first time setting up an account. You can contribute as an employee and employer, you can contribute Roth or pre-tax, and you can mix and match contributions each year. Carry created the most intuitive user interface to make signing up and investing your solo 401k as simple as possible.
Mega backdoor Roth
Contribute 3x more into your Roth account than typically allowed using Carry’s mega backdoor Roth solo 401k. Instead of contributing just $20,500 into your Roth solo 401k, you can contribute up to $61,000 for 2022 and up to $66,000 for 2023 – entirely into your Roth account.
Worldclass support
Carry has the best customer support team readily available to help you whenever you need assistance. From full onboarding support to complimentary compliance checks, Carry makes sure that you’re saving the most in taxes while making the best decisions for your retirement goals.
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”◊