American Executive Tax & Financial Services (offering fiduciary investment advisory services through Tampa Bay-headquartered SEC-registered Investment Adviser J.W. Cole Advisors, Inc., CRD #112294, SEC File #801-60722, and securities through J.W. Cole Financial, Inc., CRD #124583) is an established tax, estate-coordination, and retirement income planning firm located at 10 West Jefferson Street in Historic Downtown Brooksville, Hernando County, Florida (ZIP 34601, with a second Hernando County office at 2621 Forest Rd, Spring Hill, FL 34606). Founded and led by Owner and Financial Advisor Melisa Mae Lloyd, CFS®, CTS™, CES™ (Individual CRD #4735279, registered since 2003), who holds the Certified Fund Specialist® (CFS®), Certified Tax Specialist™ (CTS™), and Certified Estate Planning Specialist™ (CES™) designations from the Institute of Business & Finance alongside National Association of Tax Professionals (NATP) membership, the practice has served Brooksville and Spring Hill seniors for more than two decades.

Situated in the heart of Historic Downtown Brooksville directly across the street from the Hernando County Government Center and the Hernando County Property Appraiser's main headquarters (John C. Emerson, CFA — 201 Howell Ave, Ste 300, Brooksville, FL 34601), American Executive Tax & Financial Services is uniquely positioned to assist retiring public employees from the City of Brooksville, Hernando County Board of County Commissioners, Hernando County School District, Hernando County Sheriff's Office, and the Southwest Florida Water Management District (SWFWMD — 2379 Broad St, Brooksville). Melisa M. Lloyd, CFS®, CTS™, CES™ helps retirees evaluate Florida Retirement System (FRS) Pension Plan payout options, execute tax-deferred Deferred Retirement Option Program (DROP) lump-sum rollovers, and consolidate 401(k), 403(b), and 457(b) accounts.

By combining Certified Tax Specialist™ (CTS™) and Certified Estate Planning Specialist™ (CES™) training with fiduciary investment management under J.W. Cole Advisors, Inc., the firm coordinates SECURE 2.0 Act Required Minimum Distributions (RMDs at ages 73–75), Roth conversions, and Qualified Charitable Distributions (QCDs) to control two-year lookback Medicare Part B and Part D IRMAA surcharges alongside Elder Options (PSA 3) SHINE counseling (1-800-262-2243). In addition, advisors work alongside Fifth Judicial Circuit (Hernando County) elder law attorneys to align beneficiary designations, revocable living trusts, and assisted living / memory care liquidity reserves for families in Brookridge, High Point, Clover Leaf Farms, Southern Hills, and Timber Pines, while verifying annual household Adjusted Gross Income for the Age 65+ Additional $50,000 Senior Homestead Exemption right across the street at 201 Howell Avenue.