In this episode of Juggling Mind and Money, Steve sits down with Laurentius van den Worm, Head of Investment Strategy at Timeline Portfolios, for a candid conversation about how sensible portfolios are built, why markets test people’s patience, and what to do when your instincts start shouting louder than your plan.

Rather than chasing predictions, they focus on process: why a rules-based approach exists in the first place, how “factors” like value and smaller companies fit into long-term investing, and why the hardest part of financial planning often has nothing to do with spreadsheets and everything to do with human behaviour. 

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What you’ll take away

• A plain-English explanation of value investing (using a simple property analogy you won’t forget). 

• Why some portfolios deliberately tilt towards smaller and cheaper companies, and how profitability can help avoid obvious traps. 

• The real-world issue with momentum strategies: why they can look brilliant on paper… and messy in practice. 

• A clear discussion on the “Magnificent Seven”: why they’ve dominated headlines, what concentration risk actually means, and why extreme reactions (either way) can be costly. 

• A practical, planner-friendly way to handle clients who want to sell out and “buy back in later” when markets feel nervy. 

• How currency moves can change what UK investors experience, and why currency risk is treated differently across growth assets vs defensive assets.

If you want a clearer, more grounded way to think about portfolio construction, market leadership, and investor behaviour, this episode is well worth your time. Watch or listen now, and if you find it useful, subscribe/follow so you do not miss the next one.

In this episode, Steve is joined by Sam Hart, a tax specialist at Rosegate Tax with nearly 30 years in the game, to cut through the noise around inheritance tax and long-term planning.

They explore:

• Why tax planning works best when it starts with your life goals, not the tax bill
• The moving abroad question, and where people often get caught out
• The difference between “leaving the UK” and actually becoming non-resident
• What gifting and trusts can offer, and what to watch out for

As always, it’s not just about the numbers. The conversation keeps coming back to the human side: how money decisions can quietly shape your lifestyle, relationships, and happiness, often in ways you don’t expect.

Links:

Sam's LinkedIn - https://www.linkedin.com/in/samhart1/

Rosegate Tax - https://www.rosegatetax.co.uk/

New Year’s Day 2026. The motivation is high, the To-Do list is long, and reality is quietly waiting round the corner.

In this episode Steve and Jess explore why New Year’s resolutions so often start strong and fade fast, and how to approach goals in a way that feels more realistic, more sustainable, and far less punishing.

They touch on the psychology behind “fresh starts”, the difference between being pushed by discomfort versus pulled by something meaningful, and how small, repeatable actions can beat grand plans.

On the money side, they discuss ways to reduce mental load, build better financial habits, and keep your progress steady even when life gets messy.

It’s thoughtful, practical, and lightly chaotic in the way only New Year’s Day can be.