How We Work | Total Money Management
Total Money Management ยท How We Work

A structured 12-month journey to portfolio clarity and discipline

For successful professionals aged 35โ€“55 who are serious about building a long-term, structured stock market portfolio โ€” and want the frameworks and guidance to do it properly.

Duration
12 Months
Three Levels
$1,900 ยท $7,500 ยท $15,000
Founding Directors
Steve ยท Jacob ยท Tom
AFSL
568642
Who This Is For

Built for investors who are serious about doing this properly.

This is not for beginners. It's for professionals and founders aged 35โ€“55 who have built meaningful capital and want a structured, disciplined framework for managing and growing it โ€” not tips, not noise, not guesswork.

๐Ÿ’ผ

You have capital ready to work harder

Through a career, business or property โ€” you have meaningful assets and want them deployed more systematically across the stock market and superannuation.

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Protecting capital matters as much as growing it

You've worked hard to build what you have. You don't want to guess your way through volatility โ€” you want a repeatable system for protecting and compounding.

๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง

You're starting to think generationally

This isn't just about your retirement. You want a portfolio and a mindset that sets your family up โ€” not just yourself.

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You want a framework, not opinions

You're done with market noise. You want an evidence-based process that gives you conviction when markets move and calm when others are reacting.

What you'll have at the end of 12 months

A structured, clearly understood portfolio framework built around your situation and goals. You'll know how to read market cycles, rebalance with discipline, and protect capital through volatile periods. Most importantly, you'll have the frameworks to make confident investment decisions yourself โ€” for the decades ahead, not just the next market cycle.

How It Works

Two phases. One continuous progression.

This is not a course with a finish line. It's a structured 12 months of guided implementation โ€” each phase building on the last. Click each phase to see what we work through together.

Phase 01
Foundation, Framework & Portfolio Construction
Months 1โ€“6
โ–พ

We start by understanding your current portfolio, your goals, and how you think about money and risk. From there we work through the same frameworks we use ourselves โ€” principles you apply to your own portfolio in real time as we build it together.

Portfolio review & goal mapping session
Understanding your risk hierarchy and portfolio structure
Superannuation audit โ€” are you positioned correctly?
Introduction to systematic investing principles
Mapping current exposures and identifying gaps
Market cycles โ€” recognising where we are and what to do
Macro valuation tools โ€” CAPE, earnings yield & signals
Asset allocation across equities, ETFs, cash & super
Building your personalised portfolio structure
Introduction to the TMM ETF Strategy
Diversification that actually works in practice
Setting your 12-month milestones
Phase 02
Execution, Discipline, Compounding & Legacy
Months 7โ€“12
โ–พ

This is where the framework meets reality. We stay close as markets move โ€” helping you execute with discipline and make considered decisions when others are reacting. As the year closes we zoom out, reviewing what the market taught us and thinking about the longer arc for you and your family.

Live market commentary โ€” applying the framework in real time
Investment psychology & overcoming groupthink
Buy low, sell high โ€” the discipline behind the system
Rebalancing โ€” when, why, and exactly how
Volatility management โ€” protecting capital when it matters
Mid-year 1:1 portfolio review session
Long-term compounding โ€” modelling your trajectory
Superannuation strategy โ€” transition to retirement planning
Family capital โ€” thinking about the next generation
Year-in-review โ€” what the market taught us
Final 1:1 session โ€” your framework for the years ahead
Setting your personal investment framework going forward
Our Framework

Eight principles. Back-tested. Applied every day.

These aren't abstract concepts. They're the exact principles Steve, Jacob and Tom apply to markets every week โ€” refined over decades and built into every stage of the journey.

01

Systematic Investing

Remove emotion from the equation. A repeatable process gives you conviction when markets are uncertain and others are reacting.

02

Risk Hierarchy

Understanding what type of risk applies to your situation โ€” and structuring your portfolio to handle it โ€” is the foundation of everything we build.

03

Market Cycles

Markets move in cycles. Knowing where you are โ€” and what to do at each stage โ€” separates confident investors from reactive ones.

04

Macro Valuation

Earnings yield, CAPE ratios and macro signals tell you whether markets are expensive or cheap โ€” and when to act versus when to wait.

05

Investment Psychology

Most investing mistakes are behavioural, not analytical. We address groupthink, emotional bias and decision-making under pressure.

06

Diversification & Asset Allocation

True diversification means structuring across asset classes, geographies and risk profiles with intention โ€” not just owning a lot of different things.

07

Buy Low, Sell High

Systematic rebalancing turns volatility from a threat into an advantage โ€” buying more when assets are cheap and trimming when they run.

08

The TMM ETF Strategy

A back-tested, systematic approach to global market rotation using ETFs โ€” straightforward to implement and powerful over time.

Choose Your Level

Three ways to work with us. One framework.

The framework is the same at every level. What changes is the depth of access, the frequency of personal guidance, and how closely we work alongside you throughout the year.

Foundation
TMM Strategy
Learn the framework and implement it with structured group support throughout the year.
$1,900
for the full 12 months
๐ŸŽฏ
3 private 1:1 sessions with the team
  • โœ“Full access to TMM Strategy modules
  • โœ“12 months of monthly group sessions
  • โœ“3 private 1:1 sessions โ€” onboarding, mid-year & final review
  • โœ“Live market commentary via podcast & newsletter
  • โœ“TMM community access
  • โœ“Core eight-principle framework
Executive
TMM Executive
Our highest level of access. Every framework, every tool, and the closest working relationship we offer.
$15,000
year one ยท $5,000 per year thereafter
๐Ÿ‘‘
12 private 1:1 sessions โ€” monthly with the team
  • โœ“Everything in TMM Direct, plus:
  • โœ“12 private 1:1 sessions โ€” monthly portfolio stewardship
  • โœ“Full strategy access โ€” every framework and tool TMM uses
  • โœ“Direct line to Steve, Jacob & Tom throughout the year
  • โœ“Advanced strategies โ€” volatility management & ETF rotation
  • โœ“Bespoke portfolio framework built around your situation
  • โœ“Priority placement in future TMM programs & events
At a glance
What's included Strategy
$1,900
Direct
$7,500 yr 1
Executive
$15,000 yr 1
TMM ETF Frameworkโœ“โœ“โœ“
Full 8-principle frameworkโœ“โœ“โœ“
Monthly group sessions (12 months)โœ“โœ“โœ“
Live market commentaryโœ“โœ“โœ“
TMM community accessโœ“โœ“โœ“
Private 1:1 sessions3712
Quarterly portfolio reviewsโ€”โœ“โœ“
Priority access to the teamโ€”โœ“โœ“
Superannuation & family capital planningโ€”โœ“โœ“
Full advanced strategy accessโ€”โ€”โœ“
Direct line to Steve, Jacob & Tomโ€”โ€”โœ“
Bespoke portfolio frameworkโ€”โ€”โœ“
General Advice Only. This information is general in nature and does not constitute personal financial advice. Total Money Management Pty Ltd AFSL 568642. Before making any investment decisions you should consider your personal financial situation and may wish to seek independent financial advice.

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