High-Net-Worth Individuals

More Than Just Wealth – A Partner You Can Trust

At a certain level of wealth, financial planning isn’t just about growth—it’s about strategy, discretion, and partnership. As a financial advisor for high-net-worth individuals, we deliver sophisticated wealth management services built around your unique needs, values, and legacy goals.


Based in Bridgewater, Virginia, and serving clients nationwide, JS Replogle & Associates, LLC provides boutique service without the bureaucracy of big institutions. Here, your financial life gets the personal attention it deserves.

Complex Wealth Deserves a Custom Approach

With significant assets come unique challenges—managing risk across multiple accounts, minimizing taxes, coordinating estate plans, and balancing charitable intentions with long-term goals. Our high-net-worth clients rely on us for clarity, not complexity.


We intentionally limit the number of clients we serve so that we can offer tailored, proactive advice at every step. You’ll work directly with experienced advisors, not be passed off to a junior team.

Advanced Investment Strategies for Sophisticated Portfolios

We design portfolios with precision—selecting individual securities, tax-efficient ETFs, and alternative investments when appropriate. We pay close attention to asset location (placing assets strategically in taxable or tax-deferred accounts), and implement tax-loss harvesting when it serves your overall plan.


Our goal: to deliver long-term, after-tax results in line with your goals and risk comfort—not just to beat a benchmark. We offer discretionary portfolio management that evolves with your life and the markets.

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Comprehensive Wealth Planning Beyond the Portfolio

As a private wealth advisor in Virginia serving families across the U.S., we go beyond investments. We collaborate with your attorneys, accountants, or internal teams to align every part of your financial life. Whether you’re:


  • Establishing a donor-advised fund or charitable trust
  • Selling a business and facing a liquidity event
  • Managing real estate income and expenses
  • Planning for intergenerational wealth transfer

—we act as the quarterback of your financial strategy, keeping everything aligned and moving forward.

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Fee-Only, Fiduciary, and Always Transparent

You’ll never wonder how we get paid or whether we’re recommending something for our benefit. We operate on a straightforward, fee-only model—typically 1% of assets under management annually, with potential tiered discounts for larger accounts.


As fiduciaries, we answer only to you. There are no commissions, no product sales, and no hidden agendas. Just clear advice, tailored to your best interest.


Learn more about who we are →

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The Experience Wealth Deserves

Many clients come to us after feeling overlooked at large banks or national firms. Despite their wealth, they were placed in off-the-shelf programs or rarely heard from their advisors. We’re different.



You’ll have direct access to senior advisors who know your full financial picture. When markets shift or decisions need to be made, you can count on timely, thoughtful support from someone who knows your priorities.

Planning With Generations in Mind

We work with high-net-worth families across generations—educating adult children about responsible wealth stewardship, setting up transition plans, and easing the burden of future decisions.



Our role is to help you not only preserve your wealth, but ensure it supports the people and causes you care about most. Whether it’s legacy planning or future giving, we’ll help make your impact lasting.

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Let’s Talk About What Matters to You

If you're seeking a trusted, independent high-net-worth financial planning partner—not just another big-firm experience—we invite you to reach out.

High-Net-Worth Individuals – FAQ

  • Do you offer tax-loss harvesting year-round or only at year-end?

    We monitor for tax-loss harvesting opportunities throughout the year—not just in December—so you can optimize your portfolio’s tax efficiency.

  • Can you manage assets held in trust or in different entities?

    Yes. We routinely manage complex structures across trusts, business entities, and joint holdings, coordinating with your legal and tax teams.

  • How do you protect client privacy and security?

    We follow strict protocols to safeguard your data, communicate securely, and limit access only to your advisory team. Discretion is part of our commitment.

  • Can you advise on concentrated stock positions or low-basis assets?

    Absolutely. We analyze concentrated positions and develop tax-smart strategies to reduce risk while managing gains, such as charitable giving or staged diversification.

  • What’s the benefit of working with a boutique firm over a private bank?

    With us, you get relationship-based service, investment flexibility, and transparent pricing—without layers of bureaucracy or conflicts from product sales.