One framework.
Four levels of access.
Every engagement at TMM is built around the same intellectual framework. What changes is the depth of delivery, the level of personal access, and how closely you work with the team.
Foundation
$2,900 per annum · Online delivery + 3 private 1:1 sessions
Foundation gives you access to the complete TMM Strategy framework, delivered online, with three private 1:1 sessions across the year to make sure it lands properly. It is the full intellectual property, the same thinking that underpins every tier of engagement.
This tier is ideal if you already have the confidence and discipline to implement what you learn. You want the frameworks, the portfolio construction principles, and the structured thinking, but you do not need someone alongside you every step of the way to execute. You are the kind of investor who takes quality input, applies it independently, and builds from there.
The three private sessions are spaced across the year for onboarding, a mid-year check-in, and an annual review, so you always have a structured touchpoint with the team. Between sessions, monthly group calls, weekly market commentary, and the TMM community keep you connected to how the team is reading markets in real time.
Foundation is not where most clients start, but it is a perfect fit for self-directed investors who value the frameworks more than the hand-holding.
What's included
- Full TMM Strategy framework, delivered online
- 12 months of monthly group sessions (virtual)
- 3 private 1:1 sessions: onboarding, mid-year, and annual review
- Weekly market commentary via podcast and newsletter
- TMM community access
- Core eight-principle framework
- Portfolio construction principles
Direct
$5,000 per annum · 1:1 + online delivery · 6 private sessions
Direct is where most clients start, and it is TMM's most popular engagement for good reason. You get the same full framework as Foundation, but the team delivers it alongside you through bi-monthly 1:1 sessions. The difference is not the content. It is the depth of implementation.
Six private sessions across the year means you are meeting with the team roughly every two months. Each session is tailored to your portfolio, your decisions, and the questions you are actually asking. The team adapts the frameworks to your specific situation rather than leaving you to translate theory into practice on your own.
Between sessions, you have priority access to the team, so when a market event happens or you are weighing a decision, you are not waiting for the next scheduled call. Direct also opens up deeper education on portfolio principles, family capital and intergenerational wealth, and quarterly market cycle discussions that go beyond the standard group sessions.
This is where most clients find the balance between guidance and independence that lets them build with real confidence.
What's included
- Everything in Foundation, plus:
- Frameworks delivered through 1:1 sessions as well as online
- 6 private sessions, bi-monthly educational reviews
- Priority access to the team between sessions
- Deeper education on portfolio principles
- Family capital and intergenerational wealth education
- Quarterly market cycle discussions
Executive
$9,999 per annum · 1:1 + online delivery · 12 private sessions
Executive is TMM's most personal engagement. Monthly 1:1 sessions mean you are working with the team twelve times a year, with a direct line to Steve, Jacob, and Tom between sessions. This is not a premium version of the same content. It is a fundamentally different working relationship.
At the Executive level, the team functions as your ongoing strategic partner. Sessions are tailored entirely to where you are in the journey, what decisions you are facing, and how market conditions intersect with your portfolio. You get access to advanced frameworks covering volatility management, ETF rotation strategies, and portfolio construction principles that are not available at other tiers.
Executive clients also receive an invitation to the annual TMM retreat, an exclusive gathering where the team shares their forward-looking thinking in a setting that is smaller and more candid than anything delivered online.
This tier is subject to an initial consultation. TMM needs to be confident the engagement is the right fit before proceeding, and so do you.
What's included
- Everything in Direct, plus:
- 12 private 1:1 sessions, monthly educational stewardship
- Direct line to Steve, Jacob and Tom year-round
- Advanced frameworks: volatility management and ETF rotation
- Comprehensive portfolio construction principles
- Full strategy access, every framework and tool TMM teaches
- Invitation to the annual TMM retreat (exclusive to Executive clients)
Ongoing Portfolio
Custom pricing · Annual renewal
Ongoing Portfolio is available to clients who have completed any tier and want to continue building alongside the team. The framework has been delivered. The principles are embedded. This engagement is about keeping the strategy alive as markets shift, as your life changes, and as new opportunities emerge.
Alumni retain full access to the community, group sessions, and all content. Ongoing 1:1 sessions continue at a cadence that suits the engagement, and an annual strategy refresh session ensures your portfolio approach stays aligned with where you are heading.
Pricing is based on engagement depth and is discussed during your renewal conversation with the team.
What's included
- Available to clients who complete any tier
- Continued 1:1 educational sessions
- Market cycle education and frameworks
- All community and group access retained
- Annual strategy refresh session
- Priced based on engagement depth
Questions about working with TMM
Which tier should I start with?
Most clients start with Foundation or Direct. Foundation gives you the full framework with structured check-ins. Direct adds personal 1:1 delivery and closer access to the team. The best way to decide is to start a conversation with us and we will help you work out which level suits where you are right now.
Can I upgrade from one tier to another?
Yes. Many clients begin with Foundation and move to Direct or Executive as their engagement deepens. The framework is the same across all tiers, so upgrading adds delivery depth, not different content.
What happens in the private 1:1 sessions?
Sessions are tailored to you. They typically cover where you are in the framework, specific portfolio questions, decisions you are weighing, and how current market conditions intersect with your strategy. There is no fixed script. The team adapts to what matters most to you at that point in the year.
Is this personal financial advice?
No. TMM provides general education and frameworks designed to help you think more clearly about investing decisions. We do not provide personal financial advice. Total Money Management Pty Ltd holds AFSL 568642.
How much time should I expect to commit?
Most clients spend a few hours per week engaging with the material and attending sessions. The goal is disciplined, thoughtful decision-making, not constant activity. The coaching and community support keep you accountable without overwhelming your schedule.
What if I am not sure TMM is the right fit?
Start a conversation. The initial discussion is designed to understand where you are, what you are looking for, and whether TMM is genuinely the right fit. There is no pressure and no pitch. If it is not right, we will tell you.
This is for a specific type of investor.
If it sounds like you, let's talk.
A short conversation to understand where you are and whether TMM is the right fit. No pressure, no pitch.
