kamehameha, super kamehameha and spirit ball are glove based skills which take the damage from your gloves, so i recommend put as many skill points for now.
kamehameha is really good for PVE if you gather mobs in line then attack so with it and super kamehameha it will be great.
spirit ball max for RP (cooldown,guard break,duration) so it will be great combo with speed restrain.
don't use kamehameha as a knock down cause you have a better one (turtle rod hurl)
so use power up RP on it to kill mobs.
3 skills to kill mobs around you are kamehameha,scatter shot and super kamehameha so make combo with them suits you.
here you go https://tools.dboglobal.to/?tool=Skill-Calculator&class=Turtle-Hermit&build=01004074000041000000303000012211011122100011000