Wavecraft brings pensions, ISAs and brokerage accounts held across different exchanges into a single, reconciled view, then applies AI-driven analysis to flag risk and support steadier, longer-term decisions.
The dashboard consolidates holdings by provider and asset class, surfaces concentration risk, and updates as new statements and market data arrive — without asking you to learn a trading terminal.
A workplace pension sits with one provider, a stocks and shares ISA with another, and a general investment account somewhere else again. Each comes with its own login, its own statement format, and its own narrow view of performance. None of them, on their own, can tell you how exposed your household really is if a single sector or region underperforms.
Wavecraft does not ask you to move your money. It connects to your existing accounts, reads the data they already produce, and turns it into a single, comparable view.
Holdings from UK and international exchanges, workplace pensions, and ISA providers are pulled into one feed and reconciled against a common reporting standard, so a share listed on the LSE and a fund traded elsewhere sit side by side rather than in separate tabs.
Historical price behaviour and volatility indexing — a measure of how much an asset's value has swung over time — are used to model plausible future ranges for your portfolio, helping you judge how much movement to expect rather than predicting a fixed outcome.
When concentration in a single sector, currency, or provider passes a threshold you set, Wavecraft flags it in plain terms, explaining what changed and why it matters, rather than leaving you to notice a drift across several separate statements.
We set out the logic behind each figure Wavecraft shows you, because a recommendation you cannot trace is not one you should act on.
Wavecraft connects, with your permission, to the reporting feeds and statements of your linked providers and exchanges. Each transaction and holding is matched against standard asset identifiers, duplicate entries are removed, and currency figures are converted to a common base so that a pension valued in sterling and a fund priced in dollars can be compared on equal terms.
Once your data is unified, the platform assesses diversification across sectors, currencies, and liquidity profiles — cross-exchange liquidity being a measure of how easily an asset can be bought or sold without materially moving its price. Suggestions are weighted against the risk tolerance and time horizon you define, not against a generic model of an "average" investor.
Every account feeds into a single consolidated statement, updated as new data arrives. You can export a plain-language summary for family record keeping or for discussion with an independent financial adviser, without needing to reconcile five separate PDFs by hand.
Wavecraft is built around decisions families actually face, rather than short-term trading activity.
Bring a workplace pension, a personal pension, and any ISAs into one view so you can see whether your overall allocation still matches your retirement date and risk appetite, rather than reviewing each pot in isolation once a year.
Track investments intended for children or dependants alongside your own, with clear visibility into how concentrated or diversified the combined holdings are as they are passed on or restructured over time.
Use volatility indexing to understand how much of your portfolio's value could reasonably move in a downturn, so decisions about rebalancing are made ahead of stress rather than during it.
Connections to your providers use read-only access wherever the provider supports it, meaning Wavecraft can view balances and transactions but cannot move money or place trades. Data is encrypted in transit and at rest, and access to your dashboard requires your own authentication credentials.
Wavecraft is built to integrate with major UK exchanges and a range of international exchanges, alongside common ISA, pension, and general investment account providers. Coverage depends on whether a given provider supports secure data-sharing standards, and we are transparent about any provider we cannot yet connect to.
The models identify patterns in historical pricing and volatility to estimate plausible ranges of future movement; they do not predict exact outcomes and cannot guarantee returns. Every recommendation is shown alongside the data and assumptions behind it, so you can judge how much weight to give it rather than treating it as a fixed instruction.
Connect your existing accounts, see where your risk is concentrated, and decide what — if anything — needs to change, at a pace that suits your household.
