A single, consolidated view of your family's investments across every exchange

Towernet pulls holdings and transaction data from the exchanges you already use and analyses them as one portfolio, identifying correlations and risk concentrations that are difficult to spot when accounts are viewed separately.

Explore the Platform View Methodology

In the dashboard

Consolidated balances across connected exchanges, updated as positions change
Risk concentration flags where holdings overlap across accounts
Plain-language notes explaining each recommendation

The difficulty of managing money across several exchanges

Most families who invest for the long term do not hold everything in one place. A pension on one platform, a stocks and shares ISA on another, and perhaps a separate account for shorter-term savings. Each exchange shows its own figures, but none of them shows the whole picture.

This fragmentation is not simply inconvenient. When holdings are reviewed in isolation, it becomes easy to miss that two accounts are exposed to the same sector, or that a recent market movement has shifted the household's overall risk level without any single statement reflecting it.

Manually reconciling figures from several platforms to estimate true net worth
Risk exposure that is only visible once holdings are combined, not when viewed per account
Decisions made on partial information because a full review takes too long to assemble
Rebalancing one account without checking its effect on the household's broader position

Built for households managing more than one account

Towernet was designed around a specific observation: families who invest steadily, rather than speculatively, are usually the ones with the least time to reconcile scattered data. Our role is to do that reconciliation continuously, so a review that once took an evening can be read in a few minutes.

The platform does not replace a financial adviser or recommend specific products. It organises and interprets data you already have, so that any decision you make, with or without professional advice, is based on a complete picture rather than a partial one.

Multi-exchange support and unified data intelligence

This is the core of what Towernet does: taking data that is structured differently across providers and normalising it into one consistent model, so that comparisons and calculations are accurate rather than approximate.

Connecting multiple exchanges into one data model

Each exchange reports balances, transactions and asset classifications in its own format. Towernet standardises these into a single schema, matching equivalent asset types across providers so that a holding reported differently on two platforms is still recognised as the same exposure.

Data flow: Exchange A, Exchange B and Exchange C feed into a normalised ledger, which becomes the single source used for every calculation shown on your dashboard.

Identifying correlations across disparate asset classes

Once holdings are unified, the model checks how they move in relation to one another. This reveals, for example, when a pension fund and an individual savings account are both weighted towards the same industry, a pattern that would not be visible from either statement alone.

Example output: "Exchange A pension and Exchange B ISA share 34% exposure to the same sector; combined risk concentration is higher than either account shows individually."

One timeline, not several statements

Historical performance is shown on a single timeline that reflects the household's combined position over time, rather than requiring you to overlay separate reports from each provider by hand.

Why it matters: A combined timeline makes it easier to see whether overall progress toward a goal, such as retirement saving, is on track.

How the analysis works

The platform does not generate recommendations from nothing. Each output can be traced back to a defined step in the process below, so you can understand the reasoning rather than simply accepting a figure.

Data ingestion

Account and transaction data is retrieved from each connected exchange on a scheduled basis and reconciled against previous records.

Correlation analysis

Holdings are compared across accounts to identify overlapping sector or asset-class exposure that affects the household's combined risk.

Risk modelling

Historical volatility and concentration metrics are applied to estimate how sensitive the combined portfolio is to specific market movements.

Recommendation

Where a concentration or imbalance is identified, the dashboard presents it in plain language along with the data points that led to the observation.

On data security

Exchange connections use read-only access where the provider supports it, meaning Towernet can view reported balances and transactions but cannot place trades or move funds. Data is encrypted in transit and at rest, and connection permissions can be reviewed or revoked by the account holder at any time.

What this looks like in practice

Three situations that commonly arise for families managing long-term investments across more than one exchange.

Long-term growth tracking

A combined view of pension and ISA contributions against a long-term target, updated as new data arrives, so progress can be checked without compiling separate statements each quarter.

Risk mitigation

An alert when two accounts, held on different exchanges, become concentrated in the same sector following independent contributions or market movement, with the underlying figures shown alongside the alert.

Portfolio rebalancing

A clearer basis for deciding where to direct new contributions, based on the household's combined allocation rather than the balance of a single account viewed in isolation.

Common questions

Which exchanges does Towernet support?

Towernet connects to a range of UK-regulated investment platforms and exchanges that offer secure data access. Supported providers are listed within the platform before you connect an account, and you can review the specific permissions requested for each one.

Can Towernet move or trade my investments?

No. Where the exchange supports it, connections are read-only, meaning the platform can retrieve balances and transaction history but cannot place orders, withdraw funds, or alter your holdings.

How is my data protected?

Data is encrypted both in transit and at rest. Access tokens are stored separately from account data, and you can disconnect any exchange at any time, which immediately revokes its access.

Does Towernet provide financial advice?

No. The platform presents data, correlations and risk observations drawn from your own accounts. It is a decision-support tool rather than a substitute for regulated financial advice, and any significant decision should be considered alongside your own circumstances or a qualified adviser.

What does it cost to connect additional exchanges?

Plan details, including how many exchange connections are included, are set out clearly before you create an account. There are no hidden charges for viewing your consolidated dashboard once connected.

Further questions are answered on our contact page.