Kelley Pyles Royal Fund Management

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Kelley Pyles Royal Fund Management I am an independent fiduciary adviser helping clients achieve their retirement goals thru comprehensive income planning.

(Investment Adviser Representative of and investment services offered through Royal Fund Management, LLC, an SEC Registered Adviser.) My goal is to ensure that clients can live their lives to the fullest and make the most of their hard-earned money.

You've spent years saving and investing for retirement. But have you thought about how those savings will work for you o...
10/22/2026

You've spent years saving and investing for retirement. But have you thought about how those savings will work for you once the paychecks stop?

Retirement may bring a different set of financial decisions. When to begin withdrawals, how taxes may affect your income, and when to take Social Security are just a few of the things worth considering.

At our office, we believe retirement planning should look at the bigger picture, not just investment performance.

It's a conversation we enjoy having with people preparing for this next chapter.

You've made The Villages your home. What about your financial advisor?Many people move here after spending years working...
10/20/2026

You've made The Villages your home. What about your financial advisor?

Many people move here after spending years working with an advisor in another state. That relationship may have served them well, but as retirement approaches or life changes, some begin to consider the benefits of having someone local.

We believe there can be value in sitting down face-to-face with a financial advisor who understands the considerations that come with this stage of life and takes the time to get to know you.

If you've been thinking about making a change, we'd welcome the opportunity to meet you.

As the Buffalo head into another Friday night of football, we wanted to share a few memories from last week's Sponsor Ni...
10/16/2026

As the Buffalo head into another Friday night of football, we wanted to share a few memories from last week's Sponsor Night at The Villages Charter School!

What a beautiful evening celebrating a school that means so much to our community. We are proud to support The Villages Charter School and appreciate the dedication of the teachers, staff, students, and families who make it such a special place.

Thank you for a wonderful evening and for the thoughtful recognition. We're grateful to be part of such a great community!
Good luck on the road tonight, Buffalo! 💚💛🏈

A little fall color and some time away to recharge! 🍁I’ve enjoyed a change of scenery and these beautiful fall leaves, b...
10/15/2026

A little fall color and some time away to recharge! 🍁

I’ve enjoyed a change of scenery and these beautiful fall leaves, but I’m looking forward to being back in the office on Monday and catching up with everyone!

Hope you’re all having a wonderful October!

— Kelley

We spend a lot of time talking about the numbers when planning for retirement.But I also like to ask — what do you want ...
10/08/2026

We spend a lot of time talking about the numbers when planning for retirement.
But I also like to ask — what do you want retirement to look like?
More travel? More golf? More time with family? Or simply more freedom in your schedule?
We believe a good financial plan should consider not only the numbers, but what matters most to you in retirement.

10/06/2026

How is it already October? 🍂
We’re officially in the last quarter of the year, and this is usually when I start reminding clients that there are still a few months left to review if everything is where we want it to be before year-end.
Have there been any big changes this year?
Are you taking what you need from your accounts?
Is there anything we should be thinking about before December 31 from a tax or planning standpoint?
And what we consider most important — does your plan still feel like it fits your life?
Retirement changes. Life changes. And sometimes your financial plan needs to change along with it.
If it’s been a while since you’ve looked at the whole picture, October may be a pretty good time to do it.

If you retired tomorrow, which financial decision would you feel least prepared to make?When to take Social Security?How...
09/30/2026

If you retired tomorrow, which financial decision would you feel least prepared to make?
When to take Social Security?
How much you can comfortably spend?
Where your income will come from?
What to do with your 401(k)?
What happens financially if one spouse dies first?
You definitely don’t have to answer publicly. 😊
But if you read that list and immediately thought “that one,” it may be something worth understanding a little better before retirement gets here.

“Should we just pay off the mortgage before we retire?”I get this question a lot.And usually my next question is, “What ...
09/29/2026

“Should we just pay off the mortgage before we retire?”
I get this question a lot.
And usually my next question is, “What would you use to pay it off?”
Because paying off the mortgage is one decision. Where that money comes from is another.
If it means taking a large amount out of a retirement account, there may be tax considerations. We also want to think about how much cash you’d have left and what else you may want that money available for.
And sometimes, being debt-free before retirement is simply really important to someone.
There isn’t one answer that fits everyone.
It’s one of those decisions where I’d rather look at the whole picture before deciding what makes the most sense for you.

Serious question for Monday Morning. ☕️What’s your coffee shop order?I’m actually a tea person — English Breakfast with ...
09/28/2026

Serious question for Monday Morning. ☕️
What’s your coffee shop order?
I’m actually a tea person — English Breakfast with a little cream and sugar.
Tell me, what are you ordering?

“We have money in five different places. Is that a problem?”It’s a question that comes up often as retirement gets close...
09/25/2026

“We have money in five different places. Is that a problem?”
It’s a question that comes up often as retirement gets closer.
An old 401(k). A current 401(k). IRAs. Investment accounts. Maybe an annuity.
Having several accounts isn’t necessarily unusual. It can be helpful to understand how each one may fit into your overall retirement plan.
Where might retirement income come from? What tax considerations could come with different accounts?
Sometimes preparing for retirement starts with simply getting a clearer picture of what you have and how it all works together.

Address

663 Kristine Way
The Villages, FL
32163

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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