Empty Nest Full Pockets Podcast

Matt Meline, CFP

The Empty Nest Full Pockets Podcast is designed to explore the financial and emotional issues of life's second half. From paying for college to dealing with aging parents, empty nesting, navigating careers, dealing with taxes, and getting ready for retirement, we share experiences, ideas, and a platform to celebrate what we believe is one of the most exciting periods of your life.Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member. SIPC. Advisory services offered through Sanctuary Advisor, LLC., an SEC Registered Investment Advisor. PrairieFire Wealth Planning is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

  1. 1d ago

    What to Do Before You Retire: Making the Most of Your 59½ Rebellion

    In this episode of Empty Nest Full Pockets, Matt Meline and Will Schroeder continue their conversation about the 59½ Rebellion and explore what people can actually do during the years between 59½ and retirement. For many people, 59½ isn't a finish line. It's a window of opportunity—a chance to test drive retirement, make strategic tax decisions, rethink Social Security, prepare for future required minimum distributions, and figure out what life after work will actually cost. Matt explains why retirees often have more control over their tax situation during these years than they realize, including opportunities around capital gains, charitable giving, Roth conversions, and taxable assets. He and Will also discuss why Social Security shouldn't be treated as a simple “wait until 70” decision and why every family's circumstances can lead to a different answer. The conversation also tackles one of the biggest barriers to early retirement: healthcare before Medicare. Instead of assuming you have to work until 65, Matt encourages listeners to find out what healthcare will actually cost and consider whether alternatives could create more freedom. For those approaching their late 50s, the episode offers concrete steps to start taking now—from establishing spending guardrails and understanding your retirement income needs to test driving retirement and preparing for the years ahead. Empty Nest Full Pockets: How to Emotionally and Financially Prepare for Your Family's Future As your children prepare for their next chapter, it's time to prepare for yours. In Empty Nest Full Pockets, Matt Meline offers practical guidance for navigating the emotional and financial realities of becoming an empty nester, including college planning, retirement preparation, housing decisions, family relationships, and creating a meaningful future after the kids leave home. Learn how to build financial confidence while embracing the opportunities that come with this new season of life. Get your copy here: https://prairiefirewealth.com/book/ Episode Topics Covered What the 59½ Rebellion Really MeansHow to “Test Drive” Retirement Before Fully RetiringWhy You May Have More Control Over Your Taxes Than You ThinkManaging Capital Gains During the Transition to RetirementUsing Charitable Giving as Part of Your Tax StrategyDonating Appreciated StockRoth Conversions Before Required Distributions BeginHow Social Security Fits Into Retirement PlanningWhy Waiting Until 70 Isn't Always the Right AnswerSpousal and Survivor Social Security BenefitsThe Potential Surprise of Large Required Minimum DistributionsUsing Qualified Charitable DistributionsEstablishing Retirement Spending GuardrailsWhy Retirement Spending May Not Immediately DropPlanning for Healthcare Before MedicareHow Healthcare Costs Can Affect Early Retirement DecisionsChecking Your Social Security Record in Your 50sTaking a Sabbatical or Part-Time Work as a Retirement Test DriveWhy the Years Before Retirement Can Be a Valuable Planning WindowTurning the 59½ Rebellion Into a More Intentional Second Half of Life— I sincerely appreciate your support. Thank you for being a part of our podcast journey. If you haven't already, please subscribe to stay updated with the latest episodes. Your subscription means the world to me! Want to dive deeper into the 59½ Rebellion? Check out our 59½ Rebellion playlist on YouTube for more conversations, insights, and practical guidance on making the most of the years leading up to retirement. I’d love to hear from you; here are some ways to connect: Web: https://www.prairiefirewealth.com/ Email: info@pfwplanning.com Get a copy of my book: Empty Nest, Full Pockets: How to Emotionally and Financially Prepare for Your Family’s Future at https://amzn.to/3PovUWM

  2. Sep 23

    The Retirement Tax Traps Nobody Warns You About

    In this episode of Empty Nest Full Pockets, Matt Meline and Will Schroeder take a closer look at one of the most important—and often overlooked—financial windows in retirement planning: the years between 59½ and 65. Many people think of 59½ simply as the age when they can access retirement accounts without the early-withdrawal penalty. But Matt explains why it can be much more than that. These years can create valuable opportunities to rethink your tax strategy, build taxable assets, explore Roth conversions, manage your tax brackets, and prepare for the years when required minimum distributions eventually begin. Matt and Will also discuss one of the biggest mistakes they see: waiting until 65 to start planning. By being proactive earlier, retirees may have more flexibility to shape how and when their money comes out—and potentially reduce some of the tax surprises that can come later. From Roth conversions and asset location to future RMDs and the tax implications of Social Security, this episode explores how the 59½ Rebellion can help you think differently about the transition into retirement. Whether you're approaching 59½, considering an early retirement, or already planning your next chapter, this episode offers practical ideas for making the most of this critical planning window. Empty Nest Full Pockets: How to Emotionally and Financially Prepare for Your Family's Future As your children prepare for their next chapter, it's time to prepare for yours. In Empty Nest Full Pockets, Matt Meline offers practical guidance for navigating the emotional and financial realities of becoming an empty nester, including college planning, retirement preparation, housing decisions, family relationships, and creating a meaningful future after the kids leave home. Learn how to build financial confidence while embracing the opportunities that come with this new season of life. Get your copy here: https://prairiefirewealth.com/book/ Episode Topics Covered Why 59½ Can Be a Critical Tax-Planning WindowThe Biggest Tax Mistake People Make Before 65Why You Shouldn't Wait Until Medicare to Start PlanningBuilding a Taxable Asset Bucket Before RetirementRoth Conversions and When They May Make SenseManaging Your Tax Brackets in the Years Before RetirementThe Tax Impact of Required Minimum DistributionsWhy Large RMDs Can Create Future Tax ProblemsHow RMDs Can Affect Social Security TaxationAsset Location and Tax-Efficient InvestingManaging Capital Gains and DividendsPlanning for Concentrated Stock PositionsPreparing for Future Retirement Income NeedsUsing the 59½ Rebellion to Rethink Retirement PlanningWhy Proactive Tax Planning Can Create More Flexibility Later— I sincerely appreciate your support. Thank you for being a part of our podcast journey. If you haven't already, please subscribe to stay updated with the latest episodes. Your subscription means the world to me! Want to dive deeper into the 59½ Rebellion? Check out our 59½ Rebellion playlist on YouTube for more conversations, insights, and practical guidance on making the most of the years leading up to retirement. I’d love to hear from you; here are some ways to connect: Web: https://www.prairiefirewealth.com/ Email: info@pfwplanning.com Get a copy of my book: Empty Nest, Full Pockets: How to Emotionally and Financially Prepare for Your Family’s Future at https://amzn.to/3PovUWM

  3. Sep 16

    Before You Retire: Questions to Put Your Retirement Plan Through the Ringer

    In this episode of Empty Nest Full Pockets, Matt Meline and Will Schroeder take a step back and ask a bigger question: What does it really mean to be ready for retirement? Retirement planning isn't just about Social Security, Roth conversions, investment balances, or picking a date on the calendar. It's about preparing for the life you want while also making sure your plan can withstand the things you can't predict. Matt challenges the traditional question of “What do you want to retire to?” and offers a different perspective: What do you still want to accomplish before you retire? Your final years of work can be more than a countdown to the finish line—they can be an opportunity to accomplish a major professional goal, build a legacy, improve your health, or leave your career on your own terms. Matt and Will also discuss why it's critical to put your retirement plan through the ringer before you pull the trigger. What happens if the market drops during your first year of retirement? What if healthcare costs more than expected? What if your health changes? What if Social Security looks different than you anticipated? Rather than planning for one perfect outcome, the goal is to build enough flexibility and guardrails to handle a range of possibilities. As the 59½ Rebellion comes full circle, this episode encourages listeners to stop thinking of retirement as simply reaching the top of the mountain—and start thinking differently about the journey there. Empty Nest Full Pockets: How to Emotionally and Financially Prepare for Your Family's Future As your children prepare for their next chapter, it's time to prepare for yours. In Empty Nest Full Pockets, Matt Meline offers practical guidance for navigating the emotional and financial realities of becoming an empty nester, including college planning, retirement preparation, housing decisions, family relationships, and creating a meaningful future after the kids leave home. Learn how to build financial confidence while embracing the opportunities that come with this new season of life. Get your copy here: PrairieFire Wealth book page Episode Topics Covered What You Want to Accomplish Before RetirementRethinking the Question “What Do You Want to Retire To?”Using Your Final Years of Work to Accomplish a Major GoalCreating a Professional Legacy Before You LeaveWhy Retirement Doesn't Have to Be a Hard StopPreparing Your Health for RetirementWhy Retirement Spending May Not DecreasePutting Your Retirement Plan Through the RingerPlanning for Market Downturns in Early RetirementCreating Spending GuardrailsPreparing for Unexpected Health EventsPlanning for Changes to Social SecurityBuilding Flexibility Into Your Retirement PlanPreparing for a Range of Possible OutcomesWhy Retirement Readiness Is About More Than MoneyTest Driving Retirement Before You CommitGiving Yourself Permission to Try Things DifferentlyThe 59½ Rebellion and Rethinking Traditional RetirementCreating a More Peaceful and Intentional Transition Into Retirement— I sincerely appreciate your support. Thank you for being a part of our podcast journey. If you haven't already, please subscribe to stay updated with the latest episodes. Your subscription means the world to me! Want to dive deeper into the 59½ Rebellion? Check out our 59½ Rebellion playlist on YouTube for more conversations, insights, and practical guidance on making the most of the years leading up to retirement. I’d love to hear from you; here are some ways to connect: Web: https://www.prairiefirewealth.com/ Email: info@pfwplanning.com Get a copy of my book: Empty Nest, Full Pockets: How to Emotionally and Financially Prepare for Your Family’s Future at https://amzn.to/3PovUWM

  4. Sep 9

    Are You Really Ready to Retire? The Questions You Need to Ask First

    In this episode of Empty Nest Full Pockets, Matt Meline and Will Schroeder tackle one of the biggest questions facing anyone approaching retirement: Just because you can retire, does that mean you should? For many people, retirement represents freedom—the moment they've been working toward for decades. But before pulling the trigger, there are some important questions to answer. Do you know what you're actually spending each month? Have you tested what it feels like to live on your retirement income? Is your tax strategy ready for the transition? And does your spouse picture retirement the same way you do? Matt and Will explore why retirement planning isn't just about reaching a certain number in your investment accounts. It's about understanding the tradeoffs, preparing for unexpected expenses, and making sure your financial plan supports the life you actually want to live. They also discuss the importance of test-driving retirement before making it permanent. That could mean taking a sabbatical, experimenting with a different monthly spending level, taking more time away from work, or simply practicing what life might look like when your career is no longer filling your calendar. From knowing your real monthly income needs to preparing for taxes and future required minimum distributions, this episode offers practical questions to help you determine whether you're truly ready for your next chapter. Empty Nest Full Pockets: How to Emotionally and Financially Prepare for Your Family's Future As your children prepare for their next chapter, it's time to prepare for yours. In Empty Nest Full Pockets, Matt Meline offers practical guidance for navigating the emotional and financial realities of becoming an empty nester, including college planning, retirement preparation, housing decisions, family relationships, and creating a meaningful future after the kids leave home. Learn how to build financial confidence while embracing the opportunities that come with this new season of life. Get your copy here: PrairieFire Wealth book page Episode Topics Covered Can You Retire vs. Should You Retire?Understanding the Tradeoffs of RetirementWhy Knowing Your Real Monthly Spending MattersHow to Find Your Actual Retirement Income NumberCreating a Retirement Spending RangePreparing for Unexpected ExpensesWhy Retirement Spending Can Be Higher Than ExpectedTest-Driving Retirement Before You CommitTaking a Sabbatical or Practicing Time Away From WorkGetting Comfortable With Taking Money Out Instead of SavingPreparing for the Emotional Side of Leaving WorkThe Importance of Community, Purpose, and Mental StimulationAvoiding Retirement Regret and Unexpected SurprisesWhy Your Tax Plan Needs to Be ReadyUnderstanding the Tax Treatment of Your Retirement AccountsTaxable Assets, Roth Conversions, and Future RMDsPreparing for the Tax Impact of Retirement IncomeMaking Sure Your Spouse Shares Your Vision for RetirementBuilding a Retirement Plan Around the Life You Actually Want— I sincerely appreciate your support. Thank you for being a part of our podcast journey. If you haven't already, please subscribe to stay updated with the latest episodes. Your subscription means the world to me! Want to dive deeper into the 59½ Rebellion? Check out our 59½ Rebellion playlist on YouTube for more conversations, insights, and practical guidance on making the most of the years leading up to retirement. I’d love to hear from you; here are some ways to connect: Web: https://www.prairiefirewealth.com/ Email: info@pfwplanning.com Get a copy of my book: Empty Nest, Full Pockets: How to Emotionally and Financially Prepare for Your Family’s Future at https://amzn.to/3PovUWM

  5. Aug 5

    Before You Retire, Answer These Three Questions

    In this episode of Empty Nest Full Pockets, Matt Meline shares the core mindset behind the 59½ Rebellion and explains why a successful retirement requires much more than reaching a financial milestone. Drawing from decades of experience helping hundreds of families prepare for retirement, Matt compares two very different retirement journeys—one driven by frustration and one guided by purpose—to illustrate how planning both financially and emotionally can dramatically shape your future. He introduces three powerful questions everyone should answer before retiring: Why are you retiring? How will you stay fully engaged in your new life? What legacy do you want to leave behind? If you're approaching retirement and wondering how to make this next chapter meaningful—not just financially secure—this episode provides a thoughtful framework to help you move forward with clarity and confidence. Empty Nest Full Pockets: How to Emotionally and Financially Prepare for Your Family's Future As your children prepare for their next chapter, it's time to prepare for yours. In Empty Nest Full Pockets, Matt Meline offers practical guidance for navigating the emotional and financial realities of becoming an empty nester, including college planning, retirement preparation, housing decisions, family relationships, and creating a meaningful future after the kids leave home. Learn how to build financial confidence while embracing the opportunities that come with this new season of life. Get your copy here: https://prairiefirewealth.com/book/ Episode Topics Covered The Philosophy Behind the 59½ RebellionWhy Retirement Is About More Than Financial IndependenceLessons from Real Retirement Success StoriesCommon Mistakes That Can Derail RetirementWhy Defining Your "Why" MattersUnderstanding Your Motivation for RetiringThe Emotional Side of Retirement PlanningThe Meaning Behind "Clear Eyes, Full Hearts"Living with Purpose During RetirementSpending Money with ConfidenceCreating a Retirement Vision That Inspires YouBuilding a Meaningful LegacyGiving Back Through Mentorship and ServiceHow to Make the Second Half of Life Your Best ChapterPreparing for Retirement with Intention— I sincerely appreciate your support. Thank you for being a part of our podcast journey. If you haven't already, please subscribe to stay updated with the latest episodes. Your subscription means the world to me! Want to dive deeper into the 59½ Rebellion? Check out our 59½ Rebellion playlist on YouTube for more conversations, insights, and practical guidance on making the most of the years leading up to retirement. I’d love to hear from you; here are some ways to connect: Web: https://www.prairiefirewealth.com/ Email: info@pfwplanning.com Get a copy of my book: Empty Nest, Full Pockets: How to Emotionally and Financially Prepare for Your Family’s Future at https://amzn.to/3PovUWM

  6. Jul 22

    The Retirement Identity Crisis Nobody Talks About

    In this episode of Empty Nest Full Pockets, Matt Meline explores one of the most overlooked aspects of retirement: the identity crisis that can happen when your career ends, but your ambition doesn't. For decades, many of us have defined ourselves through work, raising families, solving problems, and achieving goals. But retirement doesn't magically erase our desire to grow, contribute, or pursue meaningful challenges. Instead, many retirees discover that financial readiness is only one piece of the equation. Matt explains why retirement often feels flatter than expected, why freedom can actually feel uncomfortable after a lifetime of productivity, and how the 59½ Rebellion encourages you to begin preparing emotionally—long before your last day of work. Whether you're five years from retirement or already there, this episode offers a fresh perspective on creating a life filled with purpose, curiosity, and intentional living. Empty Nest Full Pockets: How to Emotionally and Financially Prepare for Your Family's Future As your children prepare for their next chapter, it's time to prepare for yours. In Empty Nest Full Pockets, Matt Meline offers practical guidance for navigating the emotional and financial realities of becoming an empty nester, including college planning, retirement preparation, housing decisions, family relationships, and creating a meaningful future after the kids leave home. Learn how to build financial confidence while embracing the opportunities that come with this new season of life. Get your copy here: https://prairiefirewealth.com/book/ Episode Topics Covered Why Retirement Can Trigger an Identity CrisisThe Difference Between Financial Readiness and Emotional ReadinessWhy Ambition Doesn't End When Your Career DoesThe Myth of "Relaxing Forever"Transitioning from Productivity to PurposeWhy Empty Nesters Often Experience Similar FeelingsRetiring To Something Instead of From SomethingSelf-Reflection and Discovering What Drives YouWhy Freedom Can Feel UncomfortableThe Emotional Challenges Many Men Face in RetirementFinding New Sources of Purpose and FulfillmentThe 59½ Rebellion PhilosophyPreparing Emotionally Before You RetireBuilding a Retirement Life with Intention— I sincerely appreciate your support. Thank you for being a part of our podcast journey. If you haven't already, please subscribe to stay updated with the latest episodes. Your subscription means the world to me! Want to dive deeper into the 59½ Rebellion? Check out our 59½ Rebellion playlist on YouTube for more conversations, insights, and practical guidance on making the most of the years leading up to retirement. I’d love to hear from you; here are some ways to connect: Web: https://www.prairiefirewealth.com/ Email: info@pfwplanning.com Get a copy of my book: Empty Nest, Full Pockets: How to Emotionally and Financially Prepare for Your Family’s Future at https://amzn.to/3PovUWM

  7. Jun 26

    Retirement Isn't Always A Shared Finish Line

    In this episode of Empty Nest Full Pockets, Matt Meline explores two of the biggest concerns facing pre-retirees and empty nesters: what happens when spouses aren't ready to retire at the same time, and what happens when family responsibilities continue long after retirement begins? Many couples assume retirement is a shared finish line, but real life often looks different. One spouse may be financially and emotionally ready to retire while the other is still building a business, enjoying their career, or simply not ready for the transition. Matt discusses how couples can navigate different retirement timelines while staying aligned on their long-term goals. He also dives into the realities of the "sandwich generation"—supporting adult children while simultaneously caring for aging parents. From financial assistance and healthcare concerns to setting healthy boundaries and managing feelings of guilt, Matt shares practical insights for balancing family responsibilities without sacrificing your own future. If you're approaching retirement and wondering how to navigate family obligations, relationship dynamics, and differing timelines, this episode offers a thoughtful framework for moving forward with confidence. Empty Nest Full Pockets: How to Emotionally and Financially Prepare for Your Family's Future As your children prepare for their next chapter, it's time to prepare for yours. In Empty Nest Full Pockets, Matt Meline offers practical guidance for navigating the emotional and financial realities of becoming an empty nester, including college planning, retirement preparation, housing decisions, family relationships, and creating a meaningful future after the kids leave home. Learn how to build financial confidence while embracing the opportunities that come with this new season of life. Get your copy here: https://prairiefirewealth.com/book/ Episode Topics Covered Why Couples Often Retire on Different TimelinesRedefining What Retirement Actually MeansThe Benefits of a Phased Retirement ApproachFinancial Readiness vs. Emotional ReadinessWhy Retirement Doesn't Have to Be an All-or-Nothing DecisionUsing Trial Periods, Sabbaticals, and Part-Time Work Before RetiringHow to Create a Retirement Plan That Works for Both SpousesReal-Life Examples of Staggered Retirement TransitionsCommunication Strategies for Couples Approaching RetirementCoordinating Retirement Income and BenefitsMedicare and Social Security Considerations for CouplesThe Importance of Flexibility in Retirement PlanningNavigating Retirement as Part of the Sandwich GenerationSupporting Adult Children Without Jeopardizing Your FutureHelping Aging Parents Financially and EmotionallyPreparing for Potential Long-Term Care NeedsManaging Unexpected Family ExpensesBalancing Family Support with Personal Financial GoalsSetting Healthy Financial Boundaries with Loved OnesOvercoming Guilt Around Money and Family ResponsibilitiesProtecting Your Financial Freedom While Caring for OthersBuilding a Retirement Plan That Accounts for Family UncertaintyCreating Confidence Through Planning and Communication— I sincerely appreciate your support. Thank you for being a part of our podcast journey. If you haven't already, please subscribe to stay updated with the latest episodes. Your subscription means the world to me! Want to dive deeper into the 59½ Rebellion? Check out our 59½ Rebellion playlist on YouTube for more conversations, insights, and practical guidance on making the most of the years leading up to retirement. I’d love to hear from you; here are some ways to connect: Web: https://www.prairiefirewealth.com/ Email: info@pfwplanning.com Get a copy of my book: Empty Nest, Full Pockets: How to Emotionally and Financially Prepare for Your Family’s Future at https://amzn.to/3PovUWM

  8. Jun 24

    There's No Perfect Time To Retire

    In this episode of Empty Nest Full Pockets, Matt Meline tackles one of the most common questions pre-retirees face: "Am I retiring at the wrong time?" With constant headlines, market volatility, political uncertainty, and changing economic conditions, it's easy to feel like retirement should be delayed until the "perfect" moment arrives. The problem? That perfect moment rarely exists. Matt explores why successful retirement planning isn't about predicting the future—it's about building flexibility into your plan. He shares practical ways to shift your mindset from timing the market to creating a strategy that can adapt to life's inevitable surprises. Whether you're approaching retirement or actively deciding when to make the leap, this episode will help you move beyond fear and focus on what really matters: having a plan that gives you confidence regardless of what the headlines say. Empty Nest Full Pockets: How to Emotionally and Financially Prepare for Your Family's Future As your children prepare for their next chapter, it's time to prepare for yours. In Empty Nest Full Pockets, Matt Meline offers practical guidance for navigating the emotional and financial realities of becoming an empty nester, including college planning, retirement preparation, housing decisions, family relationships, and creating a meaningful future after the kids leave home. Learn how to build financial confidence while embracing the opportunities that come with this new season of life. Get your copy here: https://prairiefirewealth.com/book/ Episode Topics Covered The Myth of the "Perfect" Retirement DateWhy Headlines and Financial News Create Retirement AnxietySeparating Market Noise from Long-Term PlanningCommon Fears About Retiring at the Wrong TimeWhy Flexibility Matters More Than Perfect TimingShifting Your Mindset from Timing to AdaptabilityHow a Strong Retirement Plan Handles Market VolatilityUnderstanding Financial Guardrails and Withdrawal StrategiesBuilding Buffers for Unexpected Life EventsPlanning for Healthcare and Long-Term Care RisksCreating Flexible Social Security Claiming StrategiesTax Diversification and Retirement Income PlanningWhy Retirement Planning Should Focus on Ranges, Not DatesThe Benefits of Creating a Retirement WindowHow to Evaluate Retirement Readiness with ConfidenceManaging Uncertainty Without Delaying Your FutureThe Role of Financial Planning in Reducing Retirement StressLearning to Trust the Plan You've BuiltMoving from Fear-Based Decisions to Purposeful PlanningWhy Strategy Matters More Than Market Conditions— I sincerely appreciate your support. Thank you for being a part of our podcast journey. If you haven't already, please subscribe to stay updated with the latest episodes. Your subscription means the world to me! Want to dive deeper into the 59½ Rebellion? Check out our 59½ Rebellion playlist on YouTube for more conversations, insights, and practical guidance on making the most of the years leading up to retirement. I’d love to hear from you; here are some ways to connect: Web: https://www.prairiefirewealth.com/ Email: info@pfwplanning.com Get a copy of my book: Empty Nest, Full Pockets: How to Emotionally and Financially Prepare for Your Family’s Future at https://amzn.to/3PovUWM

About

The Empty Nest Full Pockets Podcast is designed to explore the financial and emotional issues of life's second half. From paying for college to dealing with aging parents, empty nesting, navigating careers, dealing with taxes, and getting ready for retirement, we share experiences, ideas, and a platform to celebrate what we believe is one of the most exciting periods of your life.Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member. SIPC. Advisory services offered through Sanctuary Advisor, LLC., an SEC Registered Investment Advisor. PrairieFire Wealth Planning is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.