Retirement Planning & Income Strategies

Personalized Retirement Planning Services for Peace of Mind

At JS Replogle & Associates, LLC, our retirement planning services are designed to help you retire with confidence—whether you’re five years away or already there. From our office in Bridgewater, Virginia, we guide clients across the country through the complexities of preparing for life after work with personalized, long-term financial strategies.

Retirement Isn’t What It Used to Be—And That’s Why Planning Matters

Today’s retirees face a different landscape than past generations. Fewer pensions. Longer life expectancies. Uncertain Social Security and rising healthcare costs. Your retirement may span 30+ years—and it needs a plan that can keep up. Our job is to help you answer big questions with clarity and confidence.

Building a Retirement Plan That Fits Your Life


We take a hands-on, client-centered approach to every retirement plan, whether you're still saving or already drawing income. Here’s how we help:

  • Goal Setting
    What does a comfortable retirement look like to you? Travel? A second home? Supporting family? We’ll help define your goals clearly.

  • Income & Expense Review
    We assess all income sources—Social Security, 401(k), IRA, pensions—and compare them to expected expenses. Our “Retirement Map” helps visualize your long-term outlook.

  • Savings Strategies for Pre-Retirees
    Still working? We’ll guide you on maximizing retirement contributions, making catch-up contributions, and adjusting your portfolio as you approach retirement.

  • Investment Management for Retirees
    Once you’ve retired, we ensure your portfolio supports steady, reliable income while still growing enough to support you long-term. We focus on sustainable withdrawal strategies and managing market risk.

  • Risk Management
    Your investments should reflect your comfort with risk—especially in retirement. Our Risk Number assessment helps us align your strategy so you feel confident, not exposed.

At this rate, how will we make ends meet when we retire?

That’s one of the most common questions we hear—and it’s exactly why we’re here. With the right adjustments to savings, strategy, or spending, most people can improve their outlook significantly. Retirement planning isn’t about guesswork. It’s about making informed decisions, step by step.

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Coordinating the Details That Matter

Smart retirement planning goes beyond investments. We help you:


  • Plan around taxes (like required minimum distributions)
  • Navigate Medicare timelines and long-term care concerns
  • Coordinate with estate attorneys or CPAs when needed
  • Update beneficiaries and align legacy wishes

Even if we don’t provide these services directly, we’ll make sure your plan includes them.

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Planning Doesn’t End at Retirement—It Evolves

Once you retire, your financial life continues to shift. That’s why we provide ongoing support—reviewing your income plan, adjusting to new needs, and guiding you through changes. Whether it’s a market downturn, a healthcare surprise, or just a change in goals, we’re here to help you adapt.

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We Work with Retirees & Pre-Retirees Nationwide

From the Shenandoah Valley to the West Coast, we support individuals and couples at every stage of retirement. Whether you’re ready to retire next year or you’re just starting to plan, we’re ready to help.

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Let’s Build the Retirement You Deserve

Planning for retirement can feel overwhelming—but it doesn’t have to be.

Retirement Planning & Income Strategies – FAQ

  • How often should I revisit my retirement plan?

    We recommend reviewing your retirement plan at least once a year, or when you experience a major life change—such as moving, retiring, inheriting money, or facing unexpected expenses.

  • What’s the best way to balance enjoying retirement and staying financially secure?

    We help clients find that balance by projecting various spending scenarios and adjusting withdrawal strategies to support both needs and lifestyle goals over time.


  • Can you help me decide when to retire?

    Yes. Through a combination of retirement readiness assessments, income projections, and risk analysis, we help you understand whether your goals align with your current resources.


  • Do you factor in rising healthcare costs or long-term care?

    Absolutely. Healthcare inflation and long-term care are often underestimated. We incorporate these into your retirement projections to avoid future surprises.


  • Can I retire early and still have enough income?

    Possibly—but early retirement requires extra planning. We help explore partial retirements, phased withdrawals, and tax-efficient strategies to extend your portfolio's lifespan.