Camilla, a teacher in her late thirties, is ready to pull back from full-time work and travel the world. Despite paying off significant student debt by teaching overseas, she has deep-seated money anxiety stemming from a difficult childhood and fears running out of funds. With $800,000 saved, Camila’s wondering how to withdraw her retirement savings in a tax-efficient way while ensuring her portfolio’s continued growth. In this episode, Camilla sits down with Crystal, a Morgan Stanley Financial Advisor, and discusses her options, including tax-loss harvesting to offset capital gains taxes, Roth IRA conversions and a high-yield emergency savings fund . For more information about this episode and the topics covered, check out our episode page and explore how you can connect with a Morgan Stanley Financial Advisor . Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf. When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates. Not all products and services discussed are available at Morgan Stanley. Morgan Stanley Smith Barney LLC, its affiliates, Wealth Management Head of Health and Wellness Education, Financial Advisors or Private Wealth Advisors (collectively, “MSSB”) at times may discuss strategies for navigating healthcare issues. In doing so, MSSB may rely on and provide you with health and medical news or information. MSSB makes no representation as to the accuracy of this information. MSSB is not providing medical advice to you in this regard. You are encouraged to consult with your health and medical professionals for any matters involving your personal health care issues or other medical matters. Nothing herein shall be construed as investment advice of any kind or a recommendation of a specific healthcare company or service provider, as applicable. © 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 4753386 (08/2025)…
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محتوای ارائه شده توسط Gaurav Singh. تمام محتوای پادکست شامل قسمت‌ها، گرافیک‌ها و توضیحات پادکست مستقیماً توسط Gaurav Singh یا شریک پلتفرم پادکست آن‌ها آپلود و ارائه می‌شوند. اگر فکر می‌کنید شخصی بدون اجازه شما از اثر دارای حق نسخه‌برداری شما استفاده می‌کند، می‌توانید روندی که در اینجا شرح داده شده است را دنبال کنید.https://fa.player.fm/legal
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Manage episode 313618104 series 3278179
محتوای ارائه شده توسط Gaurav Singh. تمام محتوای پادکست شامل قسمت‌ها، گرافیک‌ها و توضیحات پادکست مستقیماً توسط Gaurav Singh یا شریک پلتفرم پادکست آن‌ها آپلود و ارائه می‌شوند. اگر فکر می‌کنید شخصی بدون اجازه شما از اثر دارای حق نسخه‌برداری شما استفاده می‌کند، می‌توانید روندی که در اینجا شرح داده شده است را دنبال کنید.https://fa.player.fm/legal
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36 قسمت
اشتراک گذاریManage episode 313618104 series 3278179
محتوای ارائه شده توسط Gaurav Singh. تمام محتوای پادکست شامل قسمت‌ها، گرافیک‌ها و توضیحات پادکست مستقیماً توسط Gaurav Singh یا شریک پلتفرم پادکست آن‌ها آپلود و ارائه می‌شوند. اگر فکر می‌کنید شخصی بدون اجازه شما از اثر دارای حق نسخه‌برداری شما استفاده می‌کند، می‌توانید روندی که در اینجا شرح داده شده است را دنبال کنید.https://fa.player.fm/legal
A motivational Line
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36 قسمت
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1 CBSE Pre-Toppers INTERVIEW | Toppers Interview Class 10 | Shivansh Tripathi | Educatish |Covid-Specials 33:40
CBSE Pre-Toppers INTERVIEW | Toppers Interview Class 10 | Shivansh Tripathi | Educatish |Covid-Specials
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1 CBSE Pre-Toppers INTERVIEW | Toppers Interview Class 10 | Anuvrat Singh | Educatish |Covid-Specials 20:06
CBSE Pre-Toppers INTERVIEW | Toppers Interview Class 10 | Shrishti Singh | Educatish |Covid-Specials
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Cbse Pre Toppers - SHRISHTI SINGH | COVID Specials | Snippets By Educatish - Gaurav Singh
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Cbse PRE-TOPPERS Interview | Ep-03 | How To Become Topper In Class 10th | ABHAY | EDUCATISH
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1 Cbse PRE-TOPPERS Interview | Ep-02 | How To Become Topper In Class 10th | Pallvit | EDUCATISH 18:09
Cbse PRE-TOPPERS Interview | Ep-02 | How To Become Topper In Class 10th | Pallvit | EDUCATISH
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Cbse PRE-TOPPERS Interview | Ep-01 | How To Become Topper | Aakash Badola | EDUCATISH
Shout Out To ALL HIP HOP Artists
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Motivation Ka SUPERDOSE Presents by Educatish ( Gaurav Singh )
Phone Addiction ? Can Be Prevented ?? Here is A New Discussion on the most asked and common topic how to remove phone addiction ?
Atomic Habits Full Summary In Hindi By GAURAV SINGH FOLLOW Us on All Platforms For such inspiring , motivational and educational videos
10 Unknown Facts About Republic Day
Gearex Album Ep 03
GEAREX ALBUM EP 2
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GEAREX ALBUM EP 01
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WHICH IS BETTER JOB OR BUSINESS SMALL SPEECH
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Here You Will Get All Class 11 Physics Quick Lectures (One Shot)
Here You Will Get All Class 11 Physics Quick Lectures (One Shot)
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Here You Will Get All Class 11 Physics Quick Lectures (One Shot)
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Snippets by Gaurav
Here You Will Get All Class 11 Physics Quick Lectures (One Shot)
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Here You Will Get All Class 11 Physics Quick Lectures (One Shot)
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Here You Will Get All Class 11 Physics Quick Lectures (One Shot)
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Here You Will Get All Class 11 Physics Chapter In One Shot
AAGAAZ - A Story Of Every Aspirant | Rap Song Singer - Gaurav Lyrics- Gaurav. #Music - Gaurav. Composer - Gaurav
A SHORT MOTIVATIONAL QUOTE
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A Short Motivational Quote
A motivational Line
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Snippets by Gaurav
Singer - Gaurav Lyrics - Gaurav Music - Ghanu Music
My First Haryanvi Song - Birthday. On my Birthday I have Released this song I hope u will like this So pls Share and Follow us ! Singer - Gaurav Lyrics - Gaurav. Music - Khatri Composer-Gaurav. Producer-Gaurav. This is the remake version of Birthday Song - Sumit Goswami
My Second Rap Song #rap #rapsong Subscribe Us Singer- Gaurav Singh Lyrics - Gaurav Singh. Music - Drop Studio. Producer - Gaurav Singh. One Man Army
Motivational quote
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#JAZBA - Gaurav Singh. MY FIRST RAP SONG. SONG-#JAZBA SINGER - GAURAV SINGH MIXING- GAURAV SINGH MASTERING - GAURAV SINGH ONE MAN ARMY
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A Small Motivational Speech
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History Important Dates Ch 2. #education
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Important dates timeline
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Hello Everyone I Gaurav Here u will be getting Motivational Videos and Class 10 , 11 ,12 Lectures , shorts And Many More So SUBSCRIBE us
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