Retirees & Pre-Retirees

Whether you're already retired or counting down the years, you deserve clarity and confidence in your financial future. As a financial advisor for retirees, JS Replogle & Associates, LLC offers retirement financial planning for seniors that prioritizes income, stability, and peace of mind—so you can focus on living the retirement you’ve worked so hard to earn.

We Understand What Keeps Retirees Up at Night

It’s normal to feel uncertain as you approach or live through retirement. Many of our clients come to us wondering:



• Will our savings last?
  
• When should we take Social Security?
  
• What happens if the market drops—or if healthcare costs spike?
  
• Are we managing our IRA and 401(k) withdrawals the right way?
  
  

From our office in Bridgewater, Virginia, we work with retirees across the country to answer those questions—and build a plan that eases those worries.

Specialized Support for the Transition Into Retirement

Retirement isn’t just about stopping work—it’s about shifting into a new financial chapter. We help pre-retirees and retirees move from saving to spending, with strategies for:



• Sustainable retirement income planning
  
• 401(k), 403(b), and IRA rollover coordination
  
• Required minimum distributions (RMDs)
  
• Optimizing Social Security benefits
  
• Minimizing taxes on retirement withdrawals
  
  

You’ll receive straightforward, fee-only advice that keeps your best interests front and center—no commissions, no product sales, just guidance you can trust.

Preserving Your Nest Egg With Confidence

We use personalized risk analysis to align your investment strategy with your retirement needs. Your portfolio will be built around your goals and tolerance for risk, with diversified assets designed to reduce volatility and provide steady income.

For retirees, managing downside risk is especially critical—we focus on preservation, not just performance. That means we help reduce exposure to big losses, while still keeping your money working for you.

Living the Life You Imagined

Retirement isn’t a spreadsheet—it’s your life. Whether your priorities include travel, hobbies, helping your family, or simply enjoying a quieter pace, we’ll help budget for both the essentials and the experiences.



We’ll account for inflation, healthcare expenses, and lifestyle goals so you can focus on the life you want, not the numbers behind it.

If You’re 5–10 Years from Retirement, Now Is the Time

Pre-retirement is the planning sweet spot. We’ll help you:



• Maximize catch-up contributions
  
• Pay off debt strategically
  
• Test different retirement dates and withdrawal scenarios
  
• Align your investments for the road ahead
  
  

A clear retirement income strategy now can save years of stress later. We’ll build your retirement cash flow plan—so you know where every dollar will come from, and what you can count on.

Why Personal Matters More in Retirement

When you're retired, financial questions tend to come up fast—and you don’t want to be stuck on hold at a 1-800 number. With JS Replogle & Associates, LLC, you’ll always speak directly with your advisor.

Our clients appreciate that we know them personally, understand their retirement needs, and are just a phone call away when something changes.

Let’s Make Retirement Less Stressful—and More Fulfilling

Your retirement years should be enjoyed, not filled with financial guesswork. If you're a few years out, this is the perfect time to start.

Retirees & Pre-Retirees – FAQ