Personalized Retirement Planning for Life in The Villages
Kelley C. Pyles
Certified Financial Planner®
Certified Long Term Care Specialist
Independent Fiduciary Adviser
Retirement Planning for Life in The Villages
Kelley C. Pyles, CFP® works with individuals and couples approaching or enjoying retirement in The Villages and throughout Central Florida. Our goal is to help bring the many pieces of your financial life together so you can better understand your options and make informed decisions about the years ahead.
Retirement Planning may include:
✅ Retirement Income Planning – Coordinate your savings, investments, Social Security, pensions, and other income sources as you plan for retirement.
✅ Tax-Aware Planning – Consider how RMDs, Roth conversions, investment withdrawals, and Medicare IRMAA may factor into your broader retirement strategy.
✅ Extended Care Planning – Plan for the possibility of future care needs while considering your finances, your spouse, and the lifestyle you’ve worked to build.
✅ Survivor Planning – Help make sure both spouses understand the financial picture and consider how a loss could affect income, investments, and other financial decisions.
✅ Legacy & Estate Planning – Coordinate your financial plan with your estate and legacy goals so your wishes, beneficiaries, and financial decisions work together.
You’ve worked hard to get here. Retirement can bring exciting possibilities along with important financial decisions. Our role is to help you understand how the pieces fit together and provide personalized guidance as your life and priorities evolve.
View Our Client Relationship Summary
📞 Ready to start the conversation?
34+
YEARS IN INDUSTRY EXPERIENCE
$141m+
$ Assets Under Management
10
Top 10 Producer Since 2015
9 Ways to Know...
Are You on Track for Retirement?
Will You Reach Your Financial Goals?
Spending Affecting Your Trajectory?
Professional Achievements
Certified Financial Planner®
Since 2014
Association of Financial Educators
Since 2025
Financial Planning Association
Proud Member & Supporter
Financial Planning That's Personal to You
No two retirements look exactly alike. Your income, investments, family, priorities, and plans for the years ahead are uniquely yours. We believe your financial planning should reflect that.
We Start by Listening
Before making recommendations, we take the time to understand where you are today, what matters to you, and the questions or decisions that brought you to our office.
We Look at the Whole Picture
Retirement decisions are often connected. Investments, income, Social Security, taxes, healthcare considerations, and legacy goals can all affect one another. We help you look at those pieces together rather than in isolation.
We Stay Involved
Financial planning doesn’t end when the initial plan is complete. As markets, tax laws, family circumstances, and your priorities change, we’re here to help you review your options and adjust your plan when appropriate
Client Testimonials
Kelley and her staff have been great! They are accessible when needed and treat you more as family than clients. She is a forward thinker, always keeping in mind our needs for the future. During our time with Kelley, we have been very successful in our investments. She is trustworthy, dedicated and a caring individual. Besides being our financial advisor, Kelley has become a true friend. Thanks Kelley for all you do for us!
-Henry & Gloria P.
Kelley has been a godsend! She has guided our financial development for years! We are delighted with our progress, and value our relationship! She has calmed our financial concerns and made complex issues very understandable! We feel financially secure. We consider Kelley a valued friend 🧡
-Connie C.
We were genuinely blown away by Kelley's kindness, knowledge, and ability to find a way to potentially retire earlier than I thought possible. Would definitely recommend going to see her and watch her do the magic!!
-Simone M.
I cannot say enough GREAT things about Kelley C. Pyles! Kelley was my parents’ CFP for about 20 years. They trusted her advice and guidance with their finances from day one. After my Dad passed, I got more involved with our family trust and was introduced to Kelley. Kelley was a blessing in helping my Mom (and me) with managing her finances. My Mom recently passed and Kelley was not only compassionate and supportive during this time, but she made sure that my brothers and I were completely up to speed on our parents’ finances. We will continue to work with Kelley going forward. We have 100% faith in her and we know she will always have our best interests at heart. Kelley is a true gem of a CFP and as a human being. There is no one better!
-Stu H.
My wife and I moved our accounts from Edward Jones to Royal Fund Management back in July, 2021, and we could not be happier with that decision. My first meeting with Kelley Pyles removed all doubt, and I knew that we were doing the right thing. We have experienced a much better return on our investments than at any time previously, and we are confident that she is doing a great job in managing our accounts. They are excellent about communicating, especially when there are down turns in the market, and letting you know that everything will be ok. Kelley is very personable, friendly, and most importantly, knowledgeable of what are the best strategies for our particular situation. I recommend Kelley Pyles and Royal Fund Management for anyone looking for a great Financial Advisor, and services.
-Andy S.
This is a voluntary testimonial by a verified client. Client was not provided any product, service or benefits in exchange for their statement. There is no material conflict of interest present. Testimonials are a representation of the client experience and do not reflect the view of the Investment Adviser Representative, Royal Fund Management, LLC or its affiliates. Kelley Pyles is an Investment Adviser Representative of and advisory services offered through Royal Fund Management, LLC, a SEC registered Investment Adviser.