At Total Money Management, we've poured decades of financial expertise into one clear framework:
The Three Wells
The Three Wells is an education framework and personal network for financial independence. Guided by the core principles of clarity, confidence and personalised care, every concept has been poured in with intention, so what you draw out is practical, structured, and designed to move you forward.
For the fortunate few who achieve true financial freedom, it is never without guidance. It is intentional. It is structured. And it is built with support.
We have filled the wells.
Now it's your turn to draw from them.
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Discover Our Story
Who are
Total Money Management?
At Total Money Management, we deliver a clear, practical investment education without hidden agendas or commissions.
Our team is small but elite: Steve Moriarty brings over 40 years of experience across executive roles and full-time investing. Jacob Senior contributes nearly a decade of experience in the industry, with expertise in technical analysis and digital markets. Tom Hill, mentored by Steve for over 10 years, blends traditional finance education with practical investing experience.
Our purpose is simple: to pour together our education, experience, and hard-learned lessons so you can avoid the mistakes investors repeat and fast track your path to financial freedom.
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Financial independence isn’t luck, it’s strategy. Where “buy and hold” becomes evidence and support.
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