Portfolio Strategy & Investment Frameworks · AFSL 568642
You've built significant income. Now build the portfolio to match it.
TMM gives successful professionals the frameworks and guidance to build and manage their own long-term stock market portfolios, with structure, discipline, and a strategy built to last decades.
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25+
Years experience
1,900+
Weekly readers
$50M+
In member portfolios
Two minutes
Where do you stand?
Five ways investors get in their own way. Eight questions will tell you which one is costing you, and what to do about it.
The Chaser buys the run, sells the panic.
The Guardian picks safety that quietly costs.
The Drifter is invested, with no framework.
The Tinkerer mistakes motion for progress.
The Architect puts risk first, process always.
Who we work with
Built for the messy middle of wealth
Successful professionals and founders, usually 35 to 50, who earn well but invest loosely. Assets spread across shares, ETFs and property, accumulated deal by deal, with no portfolio strategy tying it together. The problem isn't access to markets. It's the absence of a clear framework for building a long-term portfolio, and the discipline to hold it when markets test you.
You earn well but manage it loosely
Growing income, multiple investments, increasing complexity, and no time to run it properly.
You own assets, not a portfolio
Shares, ETFs, property. No coherent allocation, no tax strategy, no decision framework holding it together.
Confident earning, less confident managing
Successful in your field, uncertain about portfolio construction. You know you should be doing something smarter.
You're asking bigger questions
How income becomes lasting capital. How wealth gets structured across a lifetime, and beyond it.
TMM is not for beginners learning the basics of investing, anyone after stock tips or trading ideas, or anyone chasing short-term market calls.
We don't pick stocks for you, and we don't manage your money. We teach you the frameworks to build and run a portfolio yourself, for decades.
If that's what you've been looking for, it's worth a conversation.
Start a conversationSignals & Noise
Start with our weekly thinking
Every week the TMM team writes up how we're reading markets, what we're watching, and the frameworks behind our own decisions. 1,900+ investors read it. The easiest way to work out whether our thinking is worth your money is to read it free first.
How we help
A journey through four stages of portfolio maturity
Not a course you complete and forget. A guided progression through four stages, where you can always see both the destination and exactly where you stand right now.
01
Financial clarity
Confusion to visibility
Financial mapping, portfolio review, behavioural assessment and goal clarification. Most clients discover more complexity, and less structure, than they expected.
02
Wealth architecture
Scattered to coherent
Asset allocation, investment philosophy and risk management designed as one system, plus access to a trusted network of accountants, lawyers and specialists for the pieces outside our lane.
03
Portfolio implementation
Ad hoc to disciplined
Portfolio construction principles, ETF selection frameworks, and simplification of what you already hold. You end up with the tools to build and manage it yourself.
04
Behavioural discipline
Reactive to mature
Decision frameworks and behavioural coaching for the moments that decide long-term outcomes. This is where most investors, including experienced ones, lose ground.
Our approach
Frameworks for building portfolios, not selecting products
We work at the strategy level, not the transaction level. Our job is to give you the frameworks to answer the big portfolio questions yourself, with structure and conviction instead of guesswork.
Wealth Architecture Model
Allocation, philosophy and risk designed as one coherent system, not a collection of separate decisions.
Portfolio Construction Principles
An evidence-based approach to building portfolios that compound over decades, with emotion taken out of allocation.
Client Decision Framework
A structured process for major financial decisions. Builds conviction, prevents reactive choices.
Behavioural Discipline
Most investment mistakes are behavioural, not analytical. We work on the psychology of money and decisions under pressure.
Macro Valuation Tools
CAPE and earnings yield as a lens on market conditions: when to act, and when waiting is the decision.
The Three Wells
Three distinct investment disciplines, each with its own horizon and risk profile, working together as one portfolio strategy.
Our value proposition
Learn it once. Benefit for decades.
Value drives every investment decision we make, and the way we've structured what we offer. We think you should keep more of what you earn, learn the principles that actually matter, and have people in your corner who have done it themselves.
Stop paying ongoing management fees
A 1% annual management fee on a $500,000 portfolio is $5,000 a year. Across 30 years that is $150,000 in fees alone, before counting what that money could have earned had it stayed invested. Learn to run your own portfolio and it keeps compounding for you. Your accountant and lawyer earn their fees. A percentage skimmed off your portfolio every year, forever, is a different question.
Decades of real experience
More than 40 years of investing experience between the three of us, across booms, busts and everything in between. Everything we teach was built managing real money through real cycles, not lifted from a textbook.
30-day guarantee
The relationship comes first. Try any program for 30 days. If it's not for you, full refund, no questions asked. We only want your money if you're getting value for it.
The real cost of learning to do this yourself
Take Systematic Investor at $1,900. Spread across 30 years of managing your own money, that's about $63 a year, roughly $1.20 a week. Compare that with ongoing management fees that build into six figures over the same period. The maths is simple: learn the frameworks once, benefit for a lifetime.
Two ways this pays for itself
First, running your own portfolio means the ongoing fees you'd otherwise pay stay invested and compounding. Second, our frameworks are built around managing risk through full market cycles, because the arithmetic of compounding punishes large losses far harder than it rewards large gains. A portfolio that falls 50% needs to double just to get back to even.
What changes
It's not just what you learn. It's what shifts.
Most investment education stops at knowledge. TMM clients build something more durable: the confidence to make decisions, the discipline to hold them, and peers navigating the same journey.
Investor confidence
From second-guessing every decision to acting with clarity and conviction, grounded in frameworks rather than headlines.
Decision-making capability
A structured process for the big financial calls: when to act, when to wait, and how to know the difference.
A community of peers
Other serious investors who challenge your thinking and reinforce discipline through every market cycle.
The service model
One framework. Four levels of access.
Every client works through the same Three Wells framework. The only thing that changes between tiers is how much time you get with the team as you learn it. Every tier is covered by the 30-day guarantee.
Ongoing Alumni
Custom
Annual renewal. For clients continuing after their program.
Start a conversationExecutive has limited places and is subject to consultation and fit. TMM provides investment education and coaching. Programs teach frameworks for building and managing a long-term portfolio and do not take into account your personal objectives, financial situation or needs. Nothing in these programs constitutes personal financial advice or a recommendation to buy, sell or hold any specific security. Total Money Management Pty Ltd, AFSL 568642.
About TMM
Three investors. One set of frameworks.
Most investment education is aimed at beginners or the ultra-wealthy. We built TMM for the people in between: professionals and founders serious about building a disciplined, long-term portfolio, who want a structured way to do it properly. Everything we teach was built from decades of our own investing, then codified into frameworks the whole team delivers the same way.
Steve Moriarty
Founding Director, Strategic Direction
25+ years across executive roles and full-time investing. The origin of TMM's wealth architecture frameworks, now the institutional knowledge the whole team works from.
Jacob Senior
Founding Director, Portfolio Strategy
Nearly a decade of hands-on investing, with deep expertise in technical analysis and ETF strategy. Brings the research rigour to TMM's portfolio construction work.
Tom Hill
Founding Director, Systematic Investing
Mentored by Steve for over a decade. Specialises in turning complex investment frameworks into something clients can actually execute, at every stage of the journey.
This is for a specific type of client. If that's you, let's talk.
A short conversation to understand where you are and whether TMM is the right fit. If we're not, we'll tell you. No pressure, no pitch.
Start a conversationThinking & frameworks
How we think about long-term wealth
General Advice Only. This website contains general financial information only and does not take into account your objectives, financial situation or needs. It does not constitute personal financial advice. Total Money Management Pty Ltd AFSL 568642. Past performance is not a reliable indicator of future results. Before making any investment decision, consider whether the information is appropriate for your circumstances and consider seeking independent financial advice.
