If you’re signing up for Carry, you can use my referral link to get $100 off your first year of an annual Core or Pro membership.
Here’s how it works:
- Sign up for Carry using this referral link
- Choose either the Core or Pro annual plan
- You’ll automatically receive $100 off your membership at checkout
- No referral code is required
Current pricing (before the referral discount):
- Core: $299/year
- Pro: $499/year
I switched to Carry in late 2024 and now use it to manage my solo 401(k). Below, I’ll explain why I moved my account, what I like about Carry, and who I think it’s best for.
Carry Overview: Why I Moved My Investment Account to Carry
I personally switched to Carry in late 2024 after Vanguard exited the 401(k) business and transferred my account to Ascensus. While I had trusted Vanguard for years, my experience with Ascensus wasn’t great. The web interface was incredibly outdated and frustrating to use.
They couldn’t perform an electronic transfer when I decided to move my account. Instead, they forced me to liquidate, issuing a paper check, and physically mail it to Carry. Fortunately, the market didn’t fluctuate much during the transition.
Switching to Carry was like night and day.
Carry’s modern platform, intuitive user interface, and lower fees made managing my retirement funds straightforward.
I especially appreciate Carry’s curated portfolios.
While they’re not ultra-optimized like what you would get with a robo-advisor, they’re solid. For DIY investors, there’s also the flexibility to create and manage more complex portfolios if you prefer.
One recent development worth knowing: in April 2026, Carry announced it is joining Lettuce Financial Labs. Carry says accounts, investments, custodian, and pricing all stay the same.
How to Earn Your $100 Referral Bonus
If you’re looking to earn by referring fellow business owners to Carry, here’s how:
- Share your referral code (available within your Carry dashboard) with friends, family, or colleagues.
- Your referee must purchase an annual Carry Core or Pro membership using your referral code.
- The account must remain active for 90 consecutive days.
You’ll then receive your $100 cash bonus deposited directly into your bank account within 60 days after the qualification period ends.
Important terms include:
- Each Carry customer can earn up to a maximum of $1,000 in referral bonuses per 12-month rolling period.
- This offer is available only to U.S. residents aged 18 or older.
- Referrals should be personal contacts—mass advertising is not permitted.
- The program runs through December 31, 2026, though Carry can end or modify it earlier.
Final Verdict
Overall, Carry is an excellent choice, especially if you’re transitioning from a frustrating brokerage experience.
The referral bonus is straightforward, valuable, and easy to earn, making it even more attractive to start investing with Carry.
