Investment Advisory & Portfolio Management

A Fee-Only Investment Management Firm Built for Individuals and Familiesa

At JS Replogle & Associates, LLC, we provide professional portfolio management for individuals, families, and trusts who want personalized service—not off-the-shelf investment products. From our office in Bridgewater, VA, just outside Harrisonburg, we serve clients across Virginia and nationwide with discretionary portfolio management that puts your interests first.

More Than a Portfolio—A Strategy Designed Just for You

Your account is never pooled or copied from a template. We take the time to understand your goals, timeline, and comfort with risk, then build a portfolio that reflects your financial picture—not someone else’s.

Black and white icon showing a money bag with a dollar sign, coins, and a plant growing. Symbolizes financial growth.
How We Invest: Patient, Disciplined, and Evidence-Based

Our investment philosophy focuses on balance, not speculation. We believe in long-term growth through smart diversification, ongoing due diligence, and staying disciplined—especially when markets get noisy.

  • Broad diversification across asset classes
  • Regular performance reviews and fund analysis
  • Rebalancing and strategy updates as needed
  • Tax-efficient investing, including tax-loss harvesting when appropriate
Black and white icon with a clipboard, pen, stack of coins, and a dollar sign, representing finances or accounting.
A Plan That Reflects Your Life and Values

Every portfolio we build is tailored to the person behind it. Whether you’re saving for retirement, funding a child’s education, or growing generational wealth, your goals shape every decision. Have a preference for socially responsible investing or specific exclusions? We’ll build that into your plan too.

  • Goals-based portfolio design
  • Risk Number assessment for comfort alignment
  • Optional ESG and values-based filters
    Ongoing planning tied to your milesto    nes
Black and white icon of a computer monitor displaying a person and a document.
We Don’t Just Manage—We Monitor and Communicate

Your investments don’t sit untouched. We monitor your portfolio multiple days a week and connect with you regularly to stay aligned. If your goals shift—or the markets do—we’ll update your plan to keep it on course.

  • Quarterly or annual review meetings
  • Performance monitoring and benchmarking
  • Realignment as needed to keep pace with your objectives
  • Accessible, transparent support all year long

A Clear Fee Structure with No Sales Commissions

As a fee-only wealth management firm, we charge a flat percentage of assets under management—typically 1%, with adjustments for larger accounts. That means no commissions, no product pushing, and no conflicts of interest. Our success is directly tied to yours.

A black and white photo of cars driving down a highway

Ready for a Portfolio That Reflects Your Future?

If you’re looking for a trusted advisor to manage your investments with care, clarity, and personal attention, we’d love to talk.

Frequently Asked Questions

  • What’s the difference between a managed account and a mutual fund?

    A managed account is built and adjusted specifically for you, reflecting your unique goals and risk profile. Mutual funds, on the other hand, pool your money with other investors and follow a set investment mandate. At JS Replogle & Associates, LLC, your account is managed independently—not lumped in with a one-size-fits-all strategy.

  • How often do you adjust portfolios?

    We monitor portfolios year-round. Adjustments are made as needed based on market conditions, fund performance, and changes in your personal circumstances—not on an arbitrary schedule.



  • Do you use proprietary funds or outside managers?

    We do not use proprietary products. Our recommendations are based on independent analysis of investments we believe best meet your goals—often including low-cost ETFs, carefully vetted mutual funds, and select individual securities.



  • Can you help me transition a portfolio from a previous advisor or employer plan?

    Yes. We regularly help clients move assets from previous firms, consolidate scattered accounts, and reallocate portfolios to better align with their current plan and risk tolerance.



  • Do you manage taxable and retirement accounts differently?

    Yes. We pay close attention to asset location—placing tax-efficient investments in taxable accounts and income-generating assets in retirement accounts to optimize after-tax returns.