Answers to the questions our clients ask most — and the ones they don’t always know to ask.

When should I claim Social Security?

Claiming Social Security at the right time can significantly impact your lifetime income. Whether you’re single, married, or widowed, we help you evaluate the best strategy based on your health, goals, and total retirement picture — not just your age.

How do I make sure I won’t outlive my money?

Through detailed retirement income planning, we help stress-test your financial strategy against market swings, inflation, taxes, and longevity. The goal? Confidence that your retirement strategy is designed to last throughout your lifetime.

What happens to my retirement accounts when I pass away?

We help develop a plan so that your beneficiaries are protected from unnecessary taxes and confusion by aligning your retirement accounts, estate plan, and legacy wishes into a coordinated strategy.

How can I reduce taxes in retirement?

Taxes don’t retire when you do. We help construct proactive strategies — including Roth conversions, tax-efficient withdrawals, and charitable gifting — designed to reduce your lifetime tax burden.

Do I need long-term care insurance?

We analyze your specific health risks, financial capacity, and family dynamics to help you determine if long-term care insurance — or a self-funded strategy — fits within your retirement plan.

Can I afford to help my kids or grandkids financially?

Yes —typically, only with a plan. Whether it’s gifting, funding education, or assisting with a home purchase, we help you evaluate how your generosity aligns with your long-term financial goals.

What should I do if I just retired or moved to a new state?

Retirement and relocation can be major life events. We work with you to navigate through updating your financial plan, tax strategy, and estate documents to reflect your new circumstances.

Is my investment portfolio still right for me?

A retirement portfolio should balance income needs and long-term growth without taking on unnecessary risk. We review and adjust your allocation so that your money works for you — not the other way around.

📞 Still have questions?

Let’s talk. We offer personalized retirement planning designed to give you clarity, confidence, and control over your financial future. Schedule an appointment here or call our office, 352-766-1100.

Kelley Pyles is an Investment Adviser Representative with Royal Fund Management, LLC. In this capacity, she provides advisory services, including select advisory products. Kelley is also a licensed Insurance Agent in the state of Florida, and in this capacity, she can assist with a variety of insurance products. In addition, Kelley provides general guidance on Social Security and tax planning; however, clients should consult appropriate professionals for personalized tax or legal advice. Investment advisory services are offered through Royal Fund Management, LLC, an SEC Registered Investment Adviser. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Advisors do not provide tax or legal advice. Clients should consult their tax or legal professionals regarding their individual situation.”