1. Can I trade on stock market holidays, bank holidays, and stock market half-days?

No, trading will be closed for the following upcoming US market holidays. You won’t be able to trade on these days.

2025 US Market Holidays

New Year’s Day (January 1)
Martin Luther King, Jr. Day (January 20)
President’s Day and Washington’s Birthday (February 17)
Good Friday (April 18)
Memorial Day (May 26)
Juneteenth (Thursday June 19)
Independence Day (Friday July 4)
Labor Day (September 1)
Thanksgiving Day (November 27)
Christmas (December 25)

2025 Bank Holidays
Banking holidays may affect settlement times and cash transfer times. In addition to stock market holidays, the following upcoming US bank holidays are:
Indigenous Peoples’ Day and Columbus Day (October 13)
Veterans Day (November 11)

2025 US Stock Market Half-Days
Stock market trading will close at 1 PM ET on the following upcoming US market half-days:
Day before Independence Day (July 3)
Native American Heritage Day, the day after Thanksgiving (November 28)
Day before Christmas (December 24)

Additionally, a national day of mourning will be observed on the day of a US President’s (current or former) funeral. For Jimmy Carter, that day will be January 9, 2025

2. Can I transfer outside assets into the investment portal?

Yes. Please contact CDS1 Securities LLC, your broker-dealer, to receive an Account Transfer Form. Please have ready your most recent account statement for the assets you wish to transfer.

3. Am I able to place limit orders or other order types

CDS Securities currently limits buys and sells to market orders only. Limit orders and other order types may be available in the future.

4. Are my investments taxable?

Your financial institution does not provide tax advice. For specific questions, you should consult a tax professional. You can find your consolidated transaction history in the documents section of the investment portal which can be used as a record of gains and losses received from trades.

5. Where are my investments stored?

The cash and securities are held in your brokerage account at a qualified custodian, RQD* Clearing LLC. RQD is the executing broker of trades and custodies assets of all customers on behalf of CDS1. Please review your CDS1 Securities customer agreement for more information

6. Can anyone trade securities?

Only members over the age of 18 and in good standing with the financial institution can buy/sell/hold securities. Commercial accounts may not be used.

7. Is my financial institution a registered broker/dealer?

NO, Bluestone is not a broker dealer, does not offer the investments and the investments are not insured by the NCUA. All securities and brokerage services are offered by CDS1 Securities LLC, member FINRA/SIPC.

8. Can I transfer my retirement account to my investment account with CDS1/RQD?

No. Not at this time.

9. Can I trade options contracts?

No. Not at this time.

10. What happens to my portfolio if I close my credit union bank account?

You will have to either sell or liquidate all of your account positions or transfer whole shares to another broker/dealer before you close your credit union membership. Otherwise, you will need to speak with CDS1 regarding trades in your brokerage account after your credit union account has been closed. Please see the CDS1 Customer Agreement or speak with a CDS1 for more information on closing your account.

Buy and sell transactions and dividends paid are only able to be posted to a checking account at Bluestone. Closing the checking account will result in 1) the inability to place an order to buy a security and 2) sell transactions and dividends not being deposited to your Credit Union account

11. Can I buy a fractional share of a stock?

Yes, you can buy fractional shares as low as $1.00.

12. Why did I receive a deposit even though I didn’t sell an asset?

Depending on the assets you hold, you may receive dividends or cash disbursement due to a corporate action. You may also receive a return of cash that is excess funds left over by a purchase of an asset.

13. I received an email that I am not sure if legitimate, or got a phone call, how can I tell?

Members will receive emails in accordance with regulations from CDS1, AdvisiFi or RQD Clearing or phone calls from CDS1. Examples of those communications include:

• AdvisiFi will email you if there are material changes to regulatory related communications such as the Customer Relationship Summary or the Disclosures Brochure. They will also contact you if there are questions about your investment profile.
• CDS1 will email or call you if there are servicing related questions including clarification of questions answered during onboarding.
• RQD will email you to notify you that your statement and / or confirmation is ready for review.

If you ever have questions about the legitimacy of a call or email, you can reach Bluestone directly and we will connect you to the appropriate contact.