Financial Consulting & Portfolio Review

One-Time Financial Advice with Long-Term Value

Looking for expert financial consulting services without a long-term commitment? At JS Replogle & Associates, LLC, we offer flexible, fee-only advice tailored to your specific needs—whether it’s a one-time portfolio review, a strategic planning session, or guidance on charitable giving. From our office in Bridgewater, Virginia, we serve clients throughout the Shenandoah Valley and nationwide.

Tap Into Trusted Guidance—Without Moving Your Accounts

You don’t need to transfer assets or commit to ongoing management to work with us. Our financial consulting services are designed for individuals and families who want a fresh perspective, expert insight, or a financial sounding board. We meet you where you are—and help you move forward with confidence.

Get a Second Opinion on Your Investment Portfolio



Already investing, but unsure if your strategy is sound? Our investment portfolio review gives you an independent look at how your current accounts are performing. We’ll evaluate:

  • Portfolio diversification and risk level

  • Fund quality, cost efficiency, and fees

  • Alignment with your goals and risk tolerance

  • Tax considerations and opportunities for improvement


You’ll walk away with unbiased recommendations—whether you implement them yourself or explore our investment management services →

Straightforward Financial Planning Sessions

Not all financial decisions require full-time management. Many of our clients seek help on specific issues such as:



  • Budgeting and cash flow planning
  • College savings vs. retirement priorities
  • Debt payoff vs. investing
  • Setting financial goals and building a plan to reach them

Our financial planning advice is practical, non-judgmental, and tailored to your situation. We break down complex topics into clear, actionable steps—especially helpful for new investors or those overwhelmed by conflicting online advice.

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Charitable Giving & Legacy Planning Support

With decades of experience in charitable planning consulting, including deferred gifts and donor-advised funds, we help clients align their giving with their values. Whether you’re considering a one-time donation, legacy gift, or creating a charitable trust, we can help you explore your options and work with your attorney or CPA to ensure everything fits your broader plan.

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Consulting for Small Business Owners & Nonprofits

We also advise small businesses and nonprofits on their investment needs. From reviewing retirement plan options (like SEP, SIMPLE IRA, or 401(k)) to helping craft an investment strategy for reserve funds or endowments, our firm brings thoughtful, fiduciary guidance to every engagement.

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Flexible, Transparent Fee Structure

All of our financial consulting services are provided on a fee-only basis. That means:



  • No commissions or product sales
  • Flat-rate or hourly pricing depending on your needs
  • Transparent agreements so there are no surprises

Whether you’re looking for a second opinion or a financial check-in, we’ll agree on a scope and fee in advance.

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When Financial Consulting Makes Sense

You might benefit from a one-time consultation if:



  • You want a second opinion on your portfolio
  • You’re facing a major life change (retirement, inheritance, move)
  • You’re interested in charitable giving strategies
  • You’re a new investor looking for guidance before going DIY
  • You’re unsure if you’re on track for your long-term goals
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Let’s Talk—No Strings Attached

Sometimes, a single conversation can make a world of difference.
Contact us to schedule your one-time consultation or portfolio review. We’re here to offer clarity, strategy, and insight—on your terms.

Financial Consulting & Portfolio Review – FAQ

  • Do I have to move my money to work with you?

    No. Our consulting services are available even if you keep your assets where they are. We provide objective guidance with no requirement to transfer accounts.

  • Can I use your consulting services more than once?

    Yes. Many clients schedule periodic check-ins as their life circumstances or questions evolve. We offer flexible engagements to meet your ongoing needs.

  • What’s the difference between your consulting service and a robo-advisor?

    Unlike automated platforms, we offer personalized, in-depth advice tailored to your specific financial situation—backed by human insight and ongoing expertise.

  • Can I get help comparing financial advice from another firm?

    Absolutely. We often act as a second opinion—evaluating the recommendations you’ve received elsewhere and offering an impartial perspective on their alignment with your goals.

  • Are your consulting fees tax-deductible?

    In some cases, yes. For example, consulting related to managing taxable investments might be deductible. We suggest discussing deductibility with your tax professional.