Lettuce Financial to Acquire Carry, Adding $225 Million Retirement Platform for Solopreneurs

New updates have been reported about Lettuce Financial.

Lettuce Financial plans to acquire Carry’s retirement and investing platform, a move that adds tax-advantaged Solo 401(k), IRA, and alternative investment accounts directly into its SoloHQ offering for self-employed customers. The deal extends Lettuce’s AI-driven platform beyond accounting, taxes, payroll, and healthcare into fully integrated retirement planning, aligning with its strategy to provide solopreneurs with corporate-grade financial infrastructure.

The acquisition brings more than $225 million in assets on platform and thousands of existing Carry members under the Lettuce umbrella, along with Carry’s established regulatory and compliance framework. Lettuce will operate Carry as a standalone brand run by the incoming Carry team, keeping customer fees, investment strategies, and custody arrangements unchanged while offering optional access to Lettuce Pro for automated finance and taxes and Lettuce PEO for premium healthcare benefits.

Founder and CEO Ran Harpaz said the transaction closes a major gap in the solo financial stack by giving independent professionals access to tools typically reserved for employees of large companies. By combining Carry’s self-directed and managed accounts, which enable investing across stocks, mutual funds, crypto, startups, and other alternatives, with Lettuce’s existing automation, the company positions itself as a more comprehensive solution for long-term wealth building and tax optimization.

For Lettuce, the deal is also a milestone in scaling SoloHQ into a full-service operating system for one-person businesses, now covering what it views as the core pillars of a sound solo enterprise: accounting, tax, payroll, healthcare, and retirement. Carry founder Ankur Nagpal will remain involved as a strategic advisor to both Lettuce and Carry after closing, while co-founder Nick Rasch and key operations, product, engineering, and legal and compliance staff will join Lettuce, supporting integration and continuity.

Both companies frame the transaction as a response to fragmented and hard-to-access retirement solutions for self-employed individuals, aiming to deliver institutional-grade structures to a historically underserved segment. The transaction remains subject to customary regulatory approvals, and, once completed, is expected to deepen Lettuce’s revenue opportunities across financial services while increasing customer stickiness through a more complete, bundled solo business offering.