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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Контент предоставлен Phil Rubin & Bob Kim, Phil Rubin, and Bob Kim. Весь контент подкастов, включая эпизоды, графику и описания подкастов, загружается и предоставляется непосредственно компанией Phil Rubin & Bob Kim, Phil Rubin, and Bob Kim или ее партнером по платформе подкастов. Если вы считаете, что кто-то использует вашу работу, защищенную авторским правом, без вашего разрешения, вы можете выполнить процедуру, описанную здесь https://ru.player.fm/legal.
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Daily Deals
A Sexy New Year's Eve Tale!
Manage episode 448705935 series 3559630
Контент предоставлен Phil Rubin & Bob Kim, Phil Rubin, and Bob Kim. Весь контент подкастов, включая эпизоды, графику и описания подкастов, загружается и предоставляется непосредственно компанией Phil Rubin & Bob Kim, Phil Rubin, and Bob Kim или ее партнером по платформе подкастов. Если вы считаете, что кто-то использует вашу работу, защищенную авторским правом, без вашего разрешения, вы можете выполнить процедуру, описанную здесь https://ru.player.fm/legal.
It's Election time. We maybe voting but definitely podcasting. This week while you're waiting to cast your ballot listen the team as they yak about stuff:
-Phil unveils a steamy tale of New Year's shenanigans.
-Bob debates whether he will drag himself to vote.
-The Great Migrant Baking Show!
-And why those spicy cookbook publishers pander to white folks.
46 эпизодов
ПоделитьсяManage episode 448705935 series 3559630
Контент предоставлен Phil Rubin & Bob Kim, Phil Rubin, and Bob Kim. Весь контент подкастов, включая эпизоды, графику и описания подкастов, загружается и предоставляется непосредственно компанией Phil Rubin & Bob Kim, Phil Rubin, and Bob Kim или ее партнером по платформе подкастов. Если вы считаете, что кто-то использует вашу работу, защищенную авторским правом, без вашего разрешения, вы можете выполнить процедуру, описанную здесь https://ru.player.fm/legal.
It's Election time. We maybe voting but definitely podcasting. This week while you're waiting to cast your ballot listen the team as they yak about stuff:
-Phil unveils a steamy tale of New Year's shenanigans.
-Bob debates whether he will drag himself to vote.
-The Great Migrant Baking Show!
-And why those spicy cookbook publishers pander to white folks.
46 эпизодов
Все серии
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Phil & Bob's Treehouse
Well, it's summer and the crew yaps about: -Bob's relationship ending. Sad times and moving forward. -Women vs. men, the WNBA, Wonder Woman, and The Old Man and the Sea. -Phil's injuured knee -Cape Cod Trump sign wars
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Phil & Bob's Treehouse
Back again after a long hiatus. If you're still listening, good luck. But seriously, it's a rainy day in New York City, summer is in the air, and the Treehouse team rehashes more nonsense. Such as: -Bob's subway birthday friend. -John Updike's kids. -Why you don't see warmongering Buddhists. -Those darn Israelis at it again. -Staten Island, home of the next Great American Novel…
Ok folks. Spring break is over and we're back. This week we get into: -Bob's idea to capitalize on the Trump tariffs with homegrown coconuts and sturgeon farms. -When New York businesses don't account for weird homeless antics. -The appeal of going off the grid -Phil's new physical therapist
March is here and the weather is fantastic. A welcome break from the frost despite the loss of an hour due to daylight savings. Today we yak about the following: -Be like Tracy Austin and NFL cornerbacks and learn to turn the page and not dwell on the negative. -Phil grates his knuckle and deals with the neighborhgood oldies in the pharmacy. -Anora and movie roundup. -New York as a place to run into celebrities…
Holy crap it's cold. Again. This week more nonsense such as: -Bob's search for a new duvet leads him into a magicakl world of MILFs, GILFs and Siamese twins -Career advice: find a sugar mommy! -What's really going on at the Met? -More personals from those nerds at the New York Review of Books
Well folks another wintry week (or two) and we're back at it. This week we look at: -HMart the suddenly semi-ubiquitous Korean grocery. Asian shopping minus the toads and loogie hockers. -Phil considers hijacking a book panel at the Strand. -You know all that street construction? Is it all bullshit? And other street perils: dangling steel girders, Mexican scaffold workers, and double parked Ubers. -The depressing list of mayoral contenders.…
Happy New Year Fans! Episode 40. A nice round number. Who would have thought we'd make it here. Together! And this week we continue the tradition of more nonsense. Including: -The Johnnies are back! -New Year's Eve AA meetings. Fun! -Cold wet Cape Code New Year's. More fun. More fentanyl please. -Phil sees a couple of attractive Jews on a bookstore date. and a little policy: -Congestion pricing. No more police chases (unless you're on an ebike chasing the cops).…
P
Phil & Bob's Treehouse
Apologies for the absence, but Bob is now a semi-orphan (send money). In other news, lots to discuss including: -Some guy in the neighborhood who Phil recognized and continually ignores. Or is it the other way around? -Opening an offal restaurant in New York. -Phil yaks about some stupid thing he did to some kid years ago. -opening a salon for fancy artists. What happened to that stuff?…
It's Election time. We maybe voting but definitely podcasting. This week while you're waiting to cast your ballot listen the team as they yak about stuff: -Phil unveils a steamy tale of New Year's shenanigans. -Bob debates whether he will drag himself to vote. -The Great Migrant Baking Show! -And why those spicy cookbook publishers pander to white folks.…
It's fall. Leaves are falling around the old treehouse. But the talk lives on. This week: -Bob flips Yom Kippur on its head. -A new historical village remembers the 1840s. Details to come. -More Randall's Island and ebiking tales. -Phil's possibly autistic hand doctor. -A new weekly (?) segment: go to dinner recipe. This week: chicken a l'orange. -A call back for old-timey restaurants.…
Episode 36 and we have a sponsor! Space W offers affordable Bronx hot air balloon adventures just to the low border of the atmosphere. That plus: -Bobby likes saying Hezbollah. How to find a little joy in warfare...Bihac! -Our business idea: a club for the lonely. -Sourdough starters -Union Square protesters and other humorous urban moments…
We're back! In a very special 35th episode we cover: -The "accidental" death of a Genovese boss -Craving spice in summer whiteness -Phil's dad exercises in the land of the mankini -A book rec: Gay Talese's latest (yes he's alive and better than ever)
It's our annual mid-summer update! The team recaps a little personal news: -Bob's oral surgery adventures -Phil's Provincetown summer and gay pizza stuff -Making fencing more exciting
Summer. Hopefully you'll survive a brief Treehouse hiatus. This week the team takes a look at: -Bob's neurotic backyard bird -Bob's backyard bear -Courtyard life in NYC. -Coating fish with everything bagel seasoning -Dramatic weatlhy gay partiers
Holy Crap summer's here and the treehouse team looks into: -obnoxious Upper West Side shoppers and the relation to Middle East problems -the lure of boating -spartan bar mitzvahs -the city's new pizza box-shaped garbage cans
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Daily Deals
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