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What Should I Do With My Money?


As a newly engaged couple, Jules and Shay have a lot to look forward to: a destination wedding, starting fertility treatments and the potential of buying a home. But their goals have a short horizon, are they able to save enough to accomplish three large milestones within a five-year period? In this episode, Jules and Shay sit down with Carolina, a Morgan Stanley Financial Advisor to discuss short- and long-term savings strategies, utilizing company benefits and how their families can help them save for a down payment . 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 . Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley Smith Barney LLC or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular 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 and other legal matters. Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, a Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. This material has been prepared for informational purposes only. It does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Morgan Stanley Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Important Risk Information for Securities Based Lending : Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. Morgan Stanley Smith Barney LLC, its affiliates and their employees are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY © 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 4766848 (09/2025)…
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Todos los sonidos de la Cadena SER en Ciudad Real
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51 episodes
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Manage series 1547334
Content provided by Cadena SER. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Cadena SER or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
Todos los sonidos de la Cadena SER en Ciudad Real
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51 episodes
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×Hora 25 Deportes Castilla-La Mancha
Hora 25 Castilla-La Mancha
La Ventana de Castilla-La Mancha

1 Las noticias de Castilla-La Mancha, 18:03 (08/10/2025) 2:09
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Toda la información de Castilla-La Mancha del 08 de octubre de 2025 a las seis de la tarde.

1 Las noticias de Castilla-La Mancha, 17:03 (08/10/2025) 2:12
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1 Las noticias de Castilla-La Mancha, 16:03 (08/10/2025) 2:13
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Toda la información de Castilla-La Mancha del 08 de octubre de 2025 a las cuatro de la tarde.
Toda la información deportiva de Ciudad Real y provincia en SER Deportivos Ciudad Real.
La información de la mañana en Ciudad Real y provincia, en la Cadena SER. Escucha todas las noticias de la jornada, el análisis y la información de servicio.
Hora 14 Castilla-La Mancha

1 Hoy por Hoy Ciudad Real y Provincia, 13:10-14h (08/10/2025) 53:04
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Magazine de ocio, actualidad y cultura de la provincia de Ciudad Real.

1 Postales Manchegas | Pepita Moraleda, una maestra con "extraordinarias facultades personales, sociales y culturales" 12:51
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En el espacio de Hoy por Hoy Ciudad Real hablamos de Josefa Moraleda García, la maestra y escritora nacida en Membrilla en 1928. Junto a su marido Juan López Mira formaron una pareja con grandes valores profesionales y humanos como destaca Isabel Villalta Villalta en el Diccionario Biográfico de Castilla-La Mancha…

1 El Museo Gregorio Prieto inaugura la exposición de su XXVII Certamen consolidado como uno de los referentes nacionales del dibujo contemporáneo 12:18
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Hablamos con el primer premio Sebastián Bona ( Rufino, Argentina 1987 ) y José Miguel Chico López ( Linares, Jaén 1967 ), ganador del segundo premio

1 Las noticias de Castilla-La Mancha, 13:06 (08/10/2025) 3:13
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1 CR High Tech | La Mancha Centro, "la Clínica Mayo española" reafirma su liderazgo nacional en oftalmología 16:45
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En la sección de Hoy por Hoy Ciudad Real hablamos con el doctor Fernando González del Valle, Jefe del Servicio de Oftalmología de la Gerencia de Atención Integrada de Alcázar de San Juan tras haber alcanzado el hito histórico de superar los 1000 trasplantes de córnea desde 1997, año en el que el centro se convirtió en referente nacional con la autorización del primer banco de ojos de Castilla-La Mancha…

1 Hoy por Hoy Ciudad Real y Provincia, 12:20-13h (08/10/2025) 40:00
40:00
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Magazine de ocio, actualidad y cultura de la provincia de Ciudad Real.
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SER Ciudad Real

1 'Ciudad Real hace 100 años', la exposición que homenajea el centenario del plano-censo de Sofí Heredia y Ruiz Arche 7:51
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Con José Luis Sobrino, museógrafo y Juan Carlos Buitrago, comisario de la exposición recorremos la muestra conmemorativa que se inaugura este miércoles en el Antiguo Casino de Ciudad Real
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SER Ciudad Real

1 El Closet de Maribel Uriel/ Cambio de armario: instrucciones de uso 20:31
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El Closet de Maribel Uriel/ Cambio de armario: instrucciones de uso
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SER Ciudad Real

1 Las noticias de Castilla-La Mancha, 11:03 (08/10/2025) 2:09
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Toda la información de Castilla-La Mancha del 08 de octubre de 2025 a las once de la mañana.
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SER Ciudad Real

1 Las noticias de Castilla-La Mancha, 10:03 (08/10/2025) 2:08
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Toda la información de Castilla-La Mancha del 08 de octubre de 2025 a las diez de la mañana.
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SER Ciudad Real

1 El Campo en la SER | Montes Norte lanza un taller de elaboración de conservas como parte de su programación de octubre 11:21
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Entrevista con la responsable de comunicación, María Amores
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SER Ciudad Real

1 Hoy por Hoy Matinal Ciudad Real 08:20 (08/10/2025) 10:00
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Toda la información de la provincia de Ciudad Real desde primera hora de la mañana
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SER Ciudad Real

La información de Castilla-La Mancha desde primera hora de la mañana en las emisoras de la Cadena SER
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SER Ciudad Real

1 Las noticias de Castilla-La Mancha, 07:50 (08/10/2025) 9:52
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Toda la información de Castilla-La Mancha del 08 de octubre de 2025 a las siete de la mañana.
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SER Ciudad Real

1 Hoy por Hoy Matinal Ciudad Real 07:20 (08/10/2025) 10:00
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Toda la información de la provincia de Ciudad Real desde primera hora de la mañana
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SER Ciudad Real

Hoy por Hoy Matinal Castilla-La Mancha
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SER Ciudad Real

Hora 25 Deportes Castilla-La Mancha
Hora 25 Castilla-La Mancha
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SER Ciudad Real

La Ventana de Castilla-La Mancha
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SER Ciudad Real

1 Las noticias de Castilla-La Mancha, 18:02 (07/10/2025) 2:16
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1 Las noticias de Castilla-La Mancha, 17:02 (07/10/2025) 2:15
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1 Las noticias de Castilla-La Mancha, 16:03 (07/10/2025) 2:15
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SER Ciudad Real

Toda la información deportiva de Ciudad Real y provincia en SER Deportivos Ciudad Real.
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SER Ciudad Real

1 Entre Vinos | Comienza el embotellado de los vinos blancos jóvenes 10:25
10:25
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SER Ciudad Real

La información de la mañana en Ciudad Real y provincia, en la Cadena SER. Escucha todas las noticias de la jornada, el análisis y la información de servicio.
Hora 14 Castilla-La Mancha
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SER Ciudad Real

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SER Ciudad Real

1 Jesús Martín pide los criterios de baremación de los fondos EDIL para presentar alegaciones 2:04
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SER Ciudad Real

1 Hoy por Hoy Ciudad Real y Provincia, 13:10-14h (07/10/2025) 52:52
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Magazine de ocio, actualidad y cultura de la provincia de Ciudad Real.
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SER Ciudad Real

1 El sector hostelero de Ciudad Real advierte de las consecuencias que traerá la prohibición de fumar en terrazas 15:42
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SER Ciudad Real

1 Tu momento | Gestos que pueden mejorar nuestra salud mental y la de nuestro entorno 11:17
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1 Las noticias de Castilla-La Mancha, 13:07 (07/10/2025) 2:59
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1 Hoy por Hoy Ciudad Real y Provincia, 12:20-13h (07/10/2025) 40:00
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SER Ciudad Real

1 Las noticias de Castilla-La Mancha, 11:03 (07/10/2025) 2:11
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1 Las noticias de Castilla-La Mancha, 10:03 (07/10/2025) 2:12
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1 Hoy por Hoy Matinal Ciudad Real 08:20 (07/10/2025) 10:00
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Toda la información de la provincia de Ciudad Real desde primera hora de la mañana
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SER Ciudad Real

La información de Castilla-La Mancha desde primera hora de la mañana en las emisoras de la Cadena SER
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SER Ciudad Real

1 Las noticias de Castilla-La Mancha, 07:50 (07/10/2025) 9:52
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1 Hoy por Hoy Matinal Ciudad Real 07:20 (07/10/2025) 10:00
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Toda la información de la provincia de Ciudad Real desde primera hora de la mañana
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SER Ciudad Real

Hoy por Hoy Matinal Castilla-La Mancha
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