⏱ 16 min read

Searching for "OpenClaw NetXInvestor"? You're in the right place — but a critical framing first. NetXInvestor is not a broker-dealer. It's the white-labeled client portal that Pershing (a BNY Mellon subsidiary) provides to hundreds of independent broker-dealers, including Cetera Financial Group, Cambridge Investment Research, Avantax, and Lincoln Financial Network. Your specific NetXInvestor login URL depends on which broker-dealer you work with — the underlying platform is identical; the login subdomain varies by firm.

By Scott Blandford, Founder & CEO of Truthifi | Reviewed by Mike Young

Until now, the open-source AI ecosystem has had limited bridges to private financial data. Models like Llama, Mistral, and the open-source community generally have lived on whatever data you could manually feed them. OpenClaw changes that, and Truthifi closes the loop on real portfolio data. With an OpenClaw NetXInvestor connection through Truthifi, your locally-run or self-hosted OpenClaw instance gets read-only access to your live brokerage, IRA, 401k, 529, and trust account positions — regardless of which broker-dealer sits in front of Pershing's clearing infrastructure. Truthifi rebuilds your historical data, normalizes cost basis, and resolves ticker mismatches so OpenClaw reasons over clean, structured data. All through a read-only MCP connector that never touches your credentials and cannot move money.

This guide walks you through setup (about 5 minutes), explains exactly what Truthifi allows and blocks with your NetXInvestor data, and shows you how OpenClaw's open architecture lets you build custom, privacy-respecting financial workflows on top of your portfolio.

What You Need

• NetXInvestor login credentials issued by your specific broker-dealer (LPL, Cetera, Cambridge, etc.)

• Active MFA method registered with NetXInvestor (SMS, email, or authenticator app)

• OpenClaw Open Source build — free, self-hosted or run locally

• Free Truthifi account registration at truthifi.com

• Approximately 5 minutes for setup

• Looking for ChatGPT? See chatgpt-netxinvestor

• Using Fidelity's NFS platform instead? See openclaw-wealthscape-investor

How to Connect OpenClaw to Your NetXInvestor Account

Ready to connect OpenClaw to your NetXInvestor portfolio? Here's how to link your account through Truthifi.

1. Open your OpenClaw configuration — In your self-hosted OpenClaw instance, locate the MCP connector configuration file (typically ~/.openclaw/connectors.yaml or your equivalent). OpenClaw supports MCP natively because it's built on open standards.

2. Add the Truthifi connector — Add a connector entry with Name: Truthifi, URL: https://api.truthifi.com/mcp. Reload OpenClaw or restart your daemon to pick up the change.

3. Authorize your accounts — Initiate the OAuth flow from OpenClaw's connector UI. You'll be redirected to Truthifi's authorization page. Sign in to your Truthifi account, search for "NetXInvestor" in the institution picker, and select it. Truthifi routes to the correct Pershing-hosted login regardless of which broker-dealer issued your credentials.

4. Log in via Pershing's hosted authentication — You'll be redirected to netxinvestor.com (or your broker-dealer's white-labeled subdomain). Enter your username, password, and complete MFA. Pershing handles authentication; Truthifi never sees your credentials.

5. Select which accounts to share — Choose from your brokerage, IRA, 401k, 529, trust, or cash management accounts. Confirm the read-only scope and click Authorize.

6. Token stored in OpenClaw — The scoped access token is returned to OpenClaw and stored locally according to your configuration. Because OpenClaw is open source, you can audit exactly how the token is stored and used.

7. Verify the connection — In OpenClaw, prompt: "List my connected NetXInvestor accounts and current total balance." If OpenClaw returns your actual accounts, the connection is live.

Perfect! You've successfully linked your NetXInvestor portfolio to OpenClaw for fully open-source, privacy-respecting AI portfolio analysis — regardless of which broker-dealer manages your relationship.

Example Prompts for OpenClaw

OpenClaw is best for users who want full transparency and customization. These prompts work whether your NetXInvestor account is fronted by LPL, Cetera, Cambridge, Avantax, or any other Pershing-cleared broker-dealer.

• Portfolio Deep Dive — "Pull my complete asset allocation across all my NetXInvestor accounts. Break it down by asset class, sector, and geography. Output as a Markdown table I can pipe into my notes system."

• Advisor Fee Audit — "Calculate every fee I'm paying through my NetXInvestor accounts — advisory fees from my broker-dealer, mutual fund expense ratios, 12b-1 fees, and any Pershing platform charges. Output as structured JSON suitable for further analysis."

• IRA RMD Calculation — "Calculate my required minimum distribution for the current tax year across all my IRAs in NetXInvestor. Show the calculation methodology so I can verify against IRS Publication 590-B independently."

• 529 Plan Projection — "Project the growth of my 529 college savings accounts in NetXInvestor to age 18 for each beneficiary. Show the math, assumptions, and a spreadsheet-ready output."

• Stress Test Scenarios — "Stress-test my NetXInvestor portfolio against a 2008-style crash, a 2020-style drawdown, and sustained stagflation. Output drawdown percentages and recovery timelines as a YAML structure I can feed into downstream analysis."

• Tax-Loss Harvesting Plan — "Identify every tax-loss harvesting opportunity in my NetXInvestor taxable brokerage accounts. For each, output ticker, unrealized loss, estimated tax savings at 24%, and a wash-sale-safe replacement candidate. Format as CSV."

• Trust Account Reconciliation — "Review my NetXInvestor trust accounts. List trustee, beneficiaries, current market value, YTD income, and YTD performance for each. Output as a structured table suitable for a fiduciary report."

• Rebalancing Plan — "Compare my current NetXInvestor portfolio to a 60/40 target. Output specific buy/sell orders with dollar amounts and tax implications. Format as JSON suitable for review before any manual execution."

• Holdings Export for Notebooks — "Export my full NetXInvestor holdings — ticker, share count, cost basis, current value, account type, tax wrapper — as a pandas-compatible CSV I can load into Jupyter for custom analysis."

• Custom Dashboard Build — "Generate a daily summary of my NetXInvestor portfolio: total value, day change, biggest movers, dividends received, and any corporate actions. Output as a self-contained HTML snippet I can embed in my personal dashboard."

Why Truthifi?

5.1. Security

Your NetXInvestor username, password, and MFA codes never touch Truthifi's servers. Authentication occurs directly on Pershing's domain (netxinvestor.com or your broker-dealer's white-labeled subdomain), creating a read-only, protocol-enforced connection secured with AES-256 encryption. OpenClaw receives only scoped data tokens, never your actual credentials. Because OpenClaw is open source, you can audit the entire token-handling code path — something proprietary AI assistants don't allow. You maintain complete control and can revoke access anytime through NetXInvestor's connected applications settings or through your Truthifi dashboard.

5.2. Privacy

Your financial data stays under your complete control when using Truthifi. We never store login credentials from NetXInvestor, Pershing, or any financial institution. You decide which specific accounts OpenClaw can access — your brokerage, IRA, 401k, 529, or trust accounts can be selectively shared or excluded. Data is never sold to third parties. With OpenClaw's self-hosted architecture, you have an extra privacy layer: prompts and responses never need to leave your infrastructure, depending on which underlying model weights you choose to run locally.

5.3. Audit Trail

Every MCP data request is logged with complete session details for NetXInvestor data transparency. When OpenClaw accesses your portfolio, the timestamp and specific information retrieved gets recorded automatically — both in Truthifi's audit log and (because OpenClaw is open) in your own local logs at whatever verbosity you configure. This dual-logging approach gives technically inclined users uniquely complete visibility into AI data access.

5.4. Data Quality

NetXInvestor exposes data through three aggregator pathways: BAA (BNY Mellon's API), Plaid, and Yodlee. Each delivers raw data with slightly different fidelity — cost basis quirks, ticker mismatches between mutual fund share classes, missing corporate action history. Truthifi rebuilds historical information from all three aggregation sources, fills gaps, and resolves these inconsistencies. The result: up to 10 years of clean, normalized transaction history OpenClaw can pipe into custom analytical workflows — regardless of which broker-dealer manages your NetXInvestor portal.

About OpenClaw

OpenClaw is an open-source AI assistant framework that supports MCP natively. It's free to use, self-hostable, and auditable end-to-end — which makes it a natural choice for technically inclined users who want full transparency in how their financial data is handled.

Because OpenClaw runs on infrastructure you control, you can choose your underlying model weights (open-weight Llama, Mistral, Qwen, DeepSeek, or others), set your own retention policies, and integrate the Truthifi connector into custom pipelines — a Jupyter notebook for tax-loss harvesting research, a Python script that generates a daily portfolio dashboard, a custom CLI that ingests your NetXInvestor data into your personal finance database. The Open Source tier is free, and the only operational costs are whatever compute you run yourself.

About NetXInvestor

NetXInvestor is not a broker-dealer — it is the client-facing portal that Pershing (a BNY Mellon subsidiary) provides as a white-labeled platform to the hundreds of independent broker-dealers that use Pershing for clearing and custody. If your broker-dealer uses Pershing as its clearing firm, you almost certainly access your accounts through some version of NetXInvestor — even if your broker-dealer brands the experience under its own name.

• Parent Company: BNY Mellon Pershing

• Headquarters: Jersey City, New Jersey (Pershing HQ)

• Founded: 2011 (NetXInvestor platform launch; Pershing dates to 1939)

• Platform Type: White-labeled client portal for independent broker-dealers

• Authentication: Username/password + MFA, hosted on Pershing infrastructure

• Catalog Depth: 124 catalog rows across BAA, Plaid, and Yodlee (deepest in its tier)

Supported Account Types: Brokerage, IRA (Traditional, Roth, SEP, SIMPLE), 401k, 529 college savings, Trust accounts, Cash management

Broker-dealers that use NetXInvestor (partial list):

• Cetera Financial Group

• Cambridge Investment Research

• Avantax (formerly HD Vest)

• Securian Financial Network

• Lincoln Financial Network

Important distinction: NetXInvestor is the client portal. Pershing also operates NetX360 as the advisor-facing platform used by your broker-dealer's reps. If you log in as a client, you use NetXInvestor; if you log in as an advisor, you use NetX360. Both sit on the same Pershing clearing infrastructure.

NetXInvestor login → · About Pershing →

Frequently Asked Questions

Is it safe to connect my NetXInvestor account to OpenClaw through Truthifi?

Connecting through NetXInvestor's Pershing-hosted authentication ensures your login credentials stay exactly where they belong: on Pershing's secure servers. When you connect, you're redirected to netxinvestor.com (or your broker-dealer's branded subdomain) to log in directly, then grant specific read-only permissions before returning to Truthifi. Your username, password, and MFA codes never pass through our systems.

OpenClaw receives only a scoped data token with read-only access, meaning it cannot move money, execute trades, or modify account settings. Because OpenClaw is open source, you can independently audit how this token is stored and used. Complete security details at https://truthifi.com/security.

Which broker-dealers use NetXInvestor?

Hundreds of independent broker-dealers use Pershing as their clearing firm and provide NetXInvestor as their client portal. The largest include Cetera Financial Group, Cambridge Investment Research, Avantax, Securian Financial Network, and Lincoln Financial Network. Smaller regional and boutique RIAs also use the platform. If your advisor is independent (not at a wirehouse like Morgan Stanley or Merrill Lynch), there's a strong chance your portal is NetXInvestor.

How do I know if my broker-dealer uses NetXInvestor?

Three quick checks: (1) Look at your statement footer — if it mentions "Pershing LLC" as the clearing firm, you have NetXInvestor access. (2) Check your client portal login URL — netxinvestor.com or a subdomain like clientportal.[yourfirm].com that redirects through Pershing infrastructure is a tell. (3) Ask your advisor directly — they'll know within seconds whether you use NetXInvestor.

What if my broker-dealer uses Wealthscape instead?

Wealthscape Investor is the equivalent portal for broker-dealers cleared by Fidelity NFS (National Financial Services), not Pershing. If your statement mentions NFS or Fidelity as the clearing firm, you use Wealthscape, not NetXInvestor. See openclaw-wealthscape-investor for that setup. Some broker-dealers (notably Commonwealth and a few others) maintain relationships with both clearing firms — in that case, you may have logins to both.

Can I connect both NetXInvestor and another portal at the same time?

Yes. Truthifi supports connecting multiple institutions simultaneously. Many advised clients have NetXInvestor for their brokerage and IRA assets, plus separate connections for a 401k at Fidelity, a bank account at Chase, and a credit card at Amex. OpenClaw sees the unified picture across every connected account.

What NetXInvestor account types does Truthifi support?

Truthifi supports connecting your NetXInvestor brokerage accounts, all IRA types (Traditional, Roth, SEP, SIMPLE), 401k accounts held at Pershing, 529 college savings plans, trust accounts, and cash management accounts. Each is linked with the same security architecture — no trading, no transfers, no changes to your NetXInvestor settings.

Can I run OpenClaw fully air-gapped with my NetXInvestor data?

Partially. OpenClaw's model inference can run fully locally if you use open-weight models, but the Truthifi MCP connector requires network access to api.truthifi.com to fetch data. If you require complete air-gap, you can periodically export normalized NetXInvestor snapshots through Truthifi and feed them into a fully offline OpenClaw setup — but the live connection itself needs an outbound HTTPS path.

How does Truthifi compare to other options?

How do I disconnect OpenClaw from Truthifi?

In your OpenClaw configuration, remove the Truthifi connector entry and restart. You can also revoke access directly from your Truthifi dashboard or from NetXInvestor's connected applications section. Disconnecting won't affect your ChatGPT, Claude, or other AI connections.

Do I need a paid OpenClaw plan?

No. OpenClaw is open source and free. The Truthifi connector works with the Open Source tier with no paywalled features. The only cost is whatever compute you run yourself if you self-host the underlying model weights.

Where is my NetXInvestor data stored?

OpenClaw stores data in whatever way you configure it — typically nowhere persistent between sessions, but you can configure local caching, conversation history, or database integrations to your taste. Truthifi caches normalized data for performance, but raw credentials are never stored.

Does this replace my financial advisor?

No. Connecting NetXInvestor through Truthifi does not replace your financial advisor at LPL, Cetera, Cambridge, or wherever you hold the relationship. OpenClaw offers data analysis and custom workflow capability, not advisory services.

What is Truthifi?

Truthifi serves as an independent financial data platform that enables you to connect OpenClaw to financial accounts from over 18,000 US institutions — including every NetXInvestor-linked broker-dealer. The service operates on a subscription model and does not sell data, earn commissions, or sell financial products.

Who can see my data?

No external parties can access your NetXInvestor data when using OpenClaw for finance. Only your local OpenClaw instance receives the data during active sessions. With self-hosting, you also avoid sending prompts and responses to any third-party AI provider — depending on which model weights you choose to run.

Can I connect both OpenClaw and ChatGPT to my NetXInvestor account?

Yes. Each AI connection through Truthifi is independent. You can connect OpenClaw, ChatGPT, Claude, Perplexity, and Grok simultaneously to the same NetXInvestor accounts and revoke any individual connection without affecting the others.

What if my broker-dealer rebrands NetXInvestor under its own name?

Some broker-dealers (notably Cetera and a few others) white-label NetXInvestor heavily — you may never see the "NetXInvestor" name in your login experience. Truthifi recognizes the underlying Pershing infrastructure regardless of the branding. If your aggregator search returns "NetXInvestor," "Pershing," or your broker-dealer's name, any of them route to the same connection.

Can I extend OpenClaw with custom NetXInvestor workflows?

Yes — this is one of OpenClaw's biggest advantages. Because the connector exposes structured NetXInvestor data over MCP, you can write custom Python scripts that pull the same data on a schedule, dump it into a SQLite database, generate weekly PDF reports, or feed it into downstream tools like Beancount, GnuCash, or your custom dashboard. The open architecture is the point.

How is NetXInvestor different from Orion or Black Diamond?

NetXInvestor is a client portal provided by Pershing for clearing-firm clients. Orion and Black Diamond are performance reporting platforms that aggregate data across multiple custodians (including Pershing, Schwab, Fidelity NFS, and others) for advisor reporting. Many advisors layer Orion or Black Diamond on top of NetXInvestor data. See openclaw-orion if your advisor uses Orion as your client-facing report.

Continue learning

The Model Context Protocol (MCP) is the open standard that lets AI assistants like OpenClaw connect to external data sources in a structured, read-only way. Truthifi exposes NetXInvestor data through an MCP server at https://api.truthifi.com/mcp, which OpenClaw consumes as a native connector — no plugins, no shims.

MCP API for NetXInvestor. Pershing maintains a developer ecosystem through BNY Mellon's Open APIs program, exposing custody, trading, and reporting endpoints for broker-dealers and approved fintech partners. The MCP API layer Truthifi provides sits one level above those raw APIs — it normalizes the data across BAA, Plaid, and Yodlee pathways into a single schema OpenClaw can reason about. You don't need API keys, OAuth tokens, or developer credentials of your own. You authorize once through Truthifi, and OpenClaw can query your NetXInvestor positions, transactions, and balances via standard MCP tool calls. Advanced users can also examine the MCP request/response patterns directly to build custom downstream integrations.

MCP Connector for NetXInvestor. The Truthifi MCP connector exposes OpenClaw to a structured catalog of NetXInvestor data: account list, holdings detail, transaction history, performance summaries, fee analysis, and tax-lot information. Each tool call is logged, scoped to your authorized accounts, and read-only. OpenClaw cannot place trades, transfer cash, or modify your NetXInvestor settings — the protocol itself prevents it. Because OpenClaw is open source, you can independently verify these constraints in code.

MCP Integration for NetXInvestor across the AI ecosystem. Because MCP is an open protocol, the same NetXInvestor connection works across every MCP-compatible AI assistant. Today that includes OpenClaw, ChatGPT, Claude, Perplexity, and Grok. The open-source community is also building MCP clients for IDE plugins, terminal agents, and custom orchestration frameworks — and Truthifi's NetXInvestor connector works with all of them. This is the long-term value of the MCP integration path: one connection, many surfaces, with OpenClaw's transparency layer giving you full control.

⚠️ Important note about AI accuracy OpenClaw is a powerful tool, but it can make mistakes — especially when running on smaller open-weight models. Always verify important financial information independently — especially numbers, tax figures, and account balances. Consider sharing OpenClaw's analysis with your broker-dealer advisor for a second opinion.

• How to Ask AI About Your Real Investment Accounts

• How to Track Your Investments Like a Pro

• AI Portfolio Analysis: Expense Ratios, Asset Allocation & Retirement

• Are Your Financial Firms Working Together?

• Getting Everything in One Place

• The Fear of Linking Accounts

Informational only. Not financial advice. Consult a qualified financial advisor before making investment decisions. Truthifi is an independent platform and is not affiliated with Pershing, BNY Mellon, or any broker-dealer that uses the NetXInvestor portal. This guide reflects current product functionality as of June 2026.

About the author

Scott Blandford is Founder & CEO of Truthifi, where he leads the company’s vision for transparent, AI-powered financial intelligence. Before founding Truthifi, Scott spent 25+ years in financial services, including senior roles at Fidelity Investments, Merrill Lynch, Bank of America, and TIAA, building the data infrastructure that institutions rely on to manage wealth at scale. He writes about the technology reshaping how people connect with and understand their financial lives.

Reviewed by Mike Young, Head of Product at Truthifi. Mike has 20+ years building digital investment platforms at Merrill Lynch, TIAA, JP Morgan, and Vanguard.