Adelphi Help Center

No. Your login gets you into the app, with market data, watchlists, and other features. Your brokerage account is your actual investment account. It has to be approved before you can add money and trade. You can use your login while your application is being reviewed.

You can do this on the web only.

1. Sign in at www.adelphis.com and tap your name in the top right corner.
2. Choose My Profile and edit what you want to change.
3. Save your changes.

1. Tap Forgot Your Password? on the login screen.
2. Enter your account email.
3. Check your inbox or spam folder. The reset link expires, so use it soon.
4. Set a new password and sign in.

Tap Sign-up and follow the steps.

Already have a login?

• Web: account menu (top right) → Edit → Add Account → pick your account type
• App: Account → Open New Account

No. If you live in the U.S., you may still be eligible.

Yes. Tap Continue Later to save your progress. To pick up where you left off:

1. Go back to the account application page.
2. Under Already started an application?, tap Sign In.
3. Enter your email and password.

• Individual
• Joint with right of survivorship (if one owner dies, the other owner keeps the account)
• Traditional IRA
• Roth IRA
• Business account (LLC, corporation, partnership, and similar)

• A government photo ID, like a driver's license or passport
• Your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
• A U.S. mailing address

For business accounts: formation documents, your EIN letter, details on who can sign for the business, and a resolution that allows the account to be opened and used.

We're not being nosy. The law requires brokers to verify who every customer is and to report some account activity to the IRS. Your SSN or ITIN lets us do both.

Yes. Adelphi works for first timers and experienced investors. You make all your own investment decisions. Adelphi does not give investment advice or recommendations.

Most decisions come quickly after you apply. If we need more information, we'll reach out. You'll have 30 days to send it, or your application may be closed. Business accounts can take longer.

We'll tell you why. Sometimes you can fix the issue and apply again. Some decisions made for legal, regulatory, or risk reasons are final.

Yes.

• Trusted contact: a person we may reach out to in limited cases, like suspected fraud or if we can't reach you. They can't trade in your account.
• Beneficiary: the person or people who inherit your account. You can name a beneficiary when you open your account in the Beneficiary Assignment section. If you name more than one, the shares must add up to 100%.

To add or change either one, email clientservices@adelphis.co and we'll send you instructions and any forms you need.

• Bank transfer (ACH): Deposits/Withdrawals → ACH Relationship → Link a Bank Account → verify → start the transfer.
• Wire: Deposits/Withdrawals → Wire Deposit (web), or Deposits → Wire Transfer (app), for instructions.

New ACH deposits take 4 business days to clear before you can trade or withdraw them. We're not being slow. This protects you and Adelphi from fraud and bounced payments.

We reverse the deposit and charge a $45 returned payment fee. If that leaves your balance below zero, your account may be restricted until it's fixed.

Go to Deposits/Withdrawals → Recent Transfers.

You can withdraw cash that has settled and is available. You can't withdraw:

• Deposits still in the 4 business day clearing window
• Money from a sale before it settles (the next business day)

Yes, if it's eligible. Transfers go through the Automated Customer Account Transfer Service (ACATS), the system brokers use to move accounts between firms. Your account at the other firm has to match your Adelphi account exactly: same account title, owner name, and SSN or Tax ID. Fill out a Transfer Initiation Form (TIF) to get started.

Start with the broker you're moving to. They'll send the request to us through ACATS. Open orders, unsettled trades, account restrictions, or investments that can't be transferred may slow things down.

No. We don't charge to bring your account over. Your current broker might, so check with them first.

See our Fee Schedule. Fees may apply to some services, like returned payments, wires, account transfers, and special requests.

U.S. listed stocks and ETFs. That's it for now. No options, margin, bonds, mutual funds, crypto, or futures.

After your account is approved and funded (or your transfer is complete) and your deposit has cleared. ACH deposits take about 4 business days to clear before you can trade.

In the app or on the web: Trade → search the ticker → enter your order → review → submit.

• Market order: buys or sells right away at the current price. It's designed to execute quickly, but the price isn't guaranteed, especially when prices are moving quickly.
• Limit order: buys or sells only at your price or better. You control the price, but your order may not fill if the market doesn't reach it.
• Stop order: becomes a market order once the stock hits your stop price. It can help limit losses or lock in gains, but in a fast market the price you get may be different from your stop price.

It uses two prices: a stop price and a limit price. When the stock hits your stop price, your order becomes a limit order and fills only at your limit price or better.

Pick when you want your order to be active:

• Regular: normal market hours, 9:30 AM to 4:00 PM ET
• Pre-Market: before the market opens, 4:00 AM to 9:30 AM ET
• Post-Market: after the market closes, 4:00 PM to 8:00 PM ET
• All Sessions: your order stays active before, during, and after regular hours

A Day order is active only on the day you place it. Anything that hasn't filled by the end of the session you picked is cancelled.

An All-or-None (AON) order goes through only if the whole order can be filled at once. It won't fill just part of it. For example, an AON order for 1,000 shares goes through only if all 1,000 can be bought or sold together.

Check the order status in the app or on the web:

• Open: sent and waiting
• Filled: fully or partly done
• Rejected or Cancelled: didn't go through (the reason is shown)

You'll also get a trade confirmation for every trade that went through that day.

Common reasons: not enough buying power, a price or quantity that isn't valid, a stock or order type we don't support, a restriction on your account, or an order that can't trade in the session you picked.

Not sure why? Email clientservices@adelphis.co and we'll help you figure it out.

The next business day after you trade (T+1). Money from a sale can be withdrawn once it settles.

No. Adelphi offers cash accounts only.

Email clientservices@adelphis.co right away. Our operations team will review the details and provide an update.

In the Positions tab in the app or on the web. You'll see both today's activity and your settled view, sync with our clearing system.

On your monthly statement. Changes to your shares or cash from a split, dividend, or similar event usually show up once we receive the details. Questions about a specific event? Email clientservices@adelphis.co.

With a cash account, it's not just about how much cash you see. What matters is whether that cash has settled. Most stock and ETF trades settle the next business day (T+1).

Here are the three violations to avoid.

Good faith violation

You buy an investment with money from a sale that hasn't settled yet, then sell the new investment before that money settles.

Example: On Monday you sell ABC and use the money to buy XYZ. The ABC sale settles Tuesday. If you sell XYZ on Monday, before the ABC money settles, you may get a good faith violation.

Cash liquidation violation

You buy an investment without enough settled cash, then sell something else afterward to cover the cost.

Example: On Monday you buy $1,000 of ABC without enough settled cash. Then you sell XYZ to raise the money to pay for ABC.

Freeriding violation

You buy an investment without enough money to pay for it, then sell that same investment to cover the purchase.

Example: You buy $1,000 of ABC without enough settled cash. Then you sell ABC and use that money to pay for the original purchase.

Violations can lead to restrictions. For 90 calendar days, your account may be limited to buying only with settled cash you already have if you get:

• 3 good faith violations in 12 months
• 3 cash liquidation violations in 12 months
• 1 freeriding violation in 12 months

You can still trade during this time. You just need enough settled cash in your account before you buy.

Sign in on the web → Account Documents. If your account had activity, you'll get a statement at least once a month. If not, you'll get one at least every three months.

They're posted in Account Documents on the web as soon as they're ready. Depending on your account and activity, you may get:

• Composite Form 1099: taxable activity like sales, dividends, and interest
• Form 1099-R: money taken out of a Traditional or Roth IRA
• Form 5498: IRA details like contributions and year end value

Forms come out on IRS deadlines, so they may arrive at different times.

Yes. Sometimes new information means we have to send a corrected form. If that happens, you'll find it in Account Documents on the web.

By law, we report some customer, account, trading, and tax information, including:

• FINRA CAT: customer and account details
• Consolidated Audit Trail (CAT): orders and trades
• IRS: tax forms like Composite Form 1099, Form 1099-R, or Form 5498, depending on your account

• See balances and positions
• Check orders and activity
• Trade eligible stocks and ETFs
• Add and withdraw money
• Update some profile details

• App: built for your phone, for quick checks and trades on the go.
• Web: a bigger workspace you can customize. Move widgets around, get your documents, and handle detailed account changes.

Both show the same account, with the same balances and positions.

Yes. If they don't, refresh the app and make sure you're looking at the right account. Still off? Email clientservices@adelphis.co.

Yes. After you create your login, you can start or continue an application right in the app: pick your account type, verify your identity, upload documents, and review the agreements.

1. Check your internet connection.
2. Close and reopen the app.
3. Update the app.
4. Try the web platform instead.

Still stuck? Email clientservices@adelphis.co with your device type, when it happened, and a short description.

We use security controls and monitor activity to protect your personal and financial information, in line with SEC and FINRA cybersecurity standards.

Your part: keep your phone, password, and email secure. If you think someone got into your account, email clientservices@adelphis.co right away.

Email clientservices@adelphis.co. We'll verify your identity and check for open orders, investments, pending transfers, fees, or anything unsettled.

We can't close an account that still holds investments, so sell or transfer them first. We'll send any remaining settled cash based on the instructions you give us.

• Email: clientservices@adelphis.co
• Phone: (844) 223-3574
• Hours: Monday to Friday, 9 AM to 6 PM ET

When you reach out, include your name, what happened, when it happened, and whether you were on the app or the web. Never send your password by email.

Many brokers use a separate company, called a clearing firm, to settle trades, keep account records, and hold customer assets. Adelphi does all of that itself. As DTC/NSCC Participant #1476, we connect directly to U.S. clearing and settlement systems and keep customer accounts on our own books.

For you, that means one company handles everything: your account, your trades, settlement, and holding your assets.

The Depository Trust Company (DTC) is a major U.S. depository that holds securities and moves them electronically (learn more at dtcc.com). The National Securities Clearing Corporation (NSCC) clears and settles most trades between brokers.

As a direct participant, Adelphi holds customer shares in its own DTC account (#1476), and our records show which customer owns them. Cede & Co., DTC's nominee, is the owner on paper, and our records list you as the real (beneficial) owner.

Here's the side by side:

There are a few layers of protection:

• Customer Protection Rule: SEC Rule 15c3-3 requires firms like Adelphi to protect customer cash and securities. Fully paid securities generally must stay in our possession or control, and money set aside for customers must be kept separate from the money Adelphi runs its business with.
• SIPC: Adelphi is a SIPC member. If a member firm fails and customer assets are missing, SIPC may protect up to $500,000 per customer, including up to $250,000 in cash, subject to SIPC rules.
• DTC records: DTC keeps electronic records of the securities held by firms like Adelphi, and our records show which customer owns each position.
• Kept separate: your fully paid securities are held apart from Adelphi's own assets.

It's known as the Customer Protection Rule. It keeps customer assets separate from a firm's own business assets.

In practice, Adelphi must keep control of your fully paid securities, regularly calculate how much must be set aside for customers, and deposit that amount in cash or qualified securities into a special bank account just for customers.

A separate account at a qualified bank that exists only for the benefit of customers. Adelphi runs the SEC reserve calculation on the required schedule and deposits whatever is needed into that account.

No. Adelphi does not use customer cash or securities for its own trading or lending. We don't offer margin or a stock lending program, and customer assets are handled under SEC custody and reserve rules. You can still lose money investing, and SIPC doesn't cover market losses.

• SEC: the federal agency that regulates U.S. securities markets and brokers
• FINRA: the industry regulator that examines brokers and enforces its rules
• DTCC, DTC, and NSCC: Adelphi must meet their membership, operating, financial, and risk management requirements

Adelphi is also a SIPC member. SIPC helps protect eligible customers if a member firm fails, but it isn't a regulator.

Search for Adelphi Stock Brokers Inc. on FINRA BrokerCheck at brokercheck.finra.org. You'll see our registration, business details, and any disclosed regulatory history. You can confirm our SIPC membership at sipc.org.

SEC Rule 15c3-1, the Net Capital Rule, requires brokers to keep a minimum amount of liquid capital based on the business they do. Think of it as a financial cushion that helps a firm meet its obligations. Adelphi tracks its net capital and files required financial reports with regulators.

Adelphi Stock Brokers Inc. is privately held and isn't listed on a stock exchange. You can review our registration and disclosures on FINRA BrokerCheck.

Form CRS (Customer Relationship Summary) is a short document the SEC requires brokers to give retail customers. It explains our services, fees and costs, conflicts of interest, disciplinary history, and where to learn more. Find it at Form CRS.

All of them are at www.adelphis.com/legal.

Start with Client Services: clientservices@adelphis.co or (844) 223-3574, Monday to Friday, 9 AM to 6 PM ET.

If we can't resolve it, you can also:

• File a complaint with FINRA at finra.org/investors/have-problem
• File a complaint with the SEC at sec.gov/tcr
• Contact SIPC at sipc.org with questions about asset protection