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)…
Lessons for the Seriously Bad Ass Leader by a Straight Talkin' Executive Coach
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Dr. Minu Saara an Ayurveda graduate from Mahatma Gandhi University is a Kerala doyen in the field of Ayurveda Therapeutics disease management. She is very passionate to unravel the mysteries of medicinal plants.
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Hi my dear ones, In this audio, I am telling you about 2 types of water Warm water or Ice Cold water which is good????? Try this and let me know If you have any questions you can DM me. Also, you can add valuable comments and I will definitely go through and will answer you 👍 Hope you all doing well Thank You Have a Beautiful day ❤️ Stay Healthy Lo…
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Hi my dear ones, In this audio, I am telling you about few remedies to cure Heat Rash or prickly heat These are simple natural methods which you can definitely try at your home If you have any questions you can DM me . Also, you can add valuable comments and I will definitely go through and will answer you 👍 Hope you all doing well Thank You Have a…
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Dr. Minu Saara | Ayurveda | How to Boost our Immunity Naturally | Covid Prevention | Start Practice
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Hi my dear ones, In this Podcast, I am telling you few simple tips to boost our Immunity If you have any questions about usage you can DM me. Also, you can add valuable comments and I will definitely go through and will answer you 👍 Hope you all doing well Thank You Have a Beautiful day ❤️ Stay Safe. Disclaimer: This video content is for general in…
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Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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017 If you can't see the sunshine, be the sunshine
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17:35Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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016 Make Sure Your Feed Your Soul
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18:25Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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015 Life and Leadership Lessons - Get Out of Your Own Way - Part 4 of 4
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12:15Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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014 Life and Leadership Lessons - Accept How Others See You - Part 3 of 4
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14:05Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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013 Life and Leadership Lessons - Be Open - Part 2 of 4
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10:52Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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012 Life and Leadership Lessons - Enjoy The Journey - Part 1 of 4
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11:14Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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011 Spell Character with a Big C
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24:50Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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010 We Can't All Be Oprah
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28:58Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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009 When the world is full of victims run for the hills
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21:56Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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008 Wanna be a Rockstar? Then surround yourself with rockstars
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28:03Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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007 Presence - Being with others is more important at work than doing Sh*t
21:16
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21:16Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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006 Stress - Own it; deal with it
26:39
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26:39Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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005 Plain Ol' Good Management Skills
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22:01Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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004 Follow The Breadcrumbs - Partner with the Universe to find a new path for your future
21:37
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21:37Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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002 The Power of Intuition
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17:44Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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001 Welcome to OnPoint with Saara Robles
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24:25Hi, I’m Saara Robles. After over 25 years as an executive coach and leadership consultant working in organizations of every size and shape, with both men and women who were either on their rocket ship to the top or barely keeping it together day to day, I’ve learned a thing or two. I’ve also learned how to work with people in a way that inspires th…
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OnPoint Kick off Interview with Saara Robles
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12:51Executive Coach and Leadership Consultant, Saara Robles explores real-life issues, tools and best practices to help you navigate this complex and nutty world. Saara is a seasoned pro who’s experienced a lot of organizational cultures and coached hundreds of people around the world on how to show up as their best, true selves. OnPoint is sure to ins…
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