Fee-Only Financial Services for Individuals and Families Across Virginia and Beyond
At JS Replogle & Associates, LLC, we offer investment advisory services and financial planning designed to fit your life—not someone else’s template. From our office in Bridgewater, Virginia, just west of Harrisonburg and near communities like Dayton and Mt. Crawford, we serve clients throughout the Shenandoah Valley and across the country. Whether you're planning for retirement, growing wealth, or just getting started, you’ll get clear guidance and tailored support—always from a fiduciary advisor who puts your best interest first.
A Holistic Approach to Financial Planning
We help you make informed decisions across every stage of your financial life. From managing investments to building long-term plans, our services are fee-only and fully transparent—no commissions, no products to push, no surprises. Just experienced insight and personal advice.
Investment Advisory & Portfolio Management That Puts You First
Your investments are managed based on your specific goals, timeline, and risk comfort. We don’t use pooled accounts or cookie-cutter strategies. Every portfolio is individually managed and monitored.
- Diversified portfolios based on your financial objectives and Risk Analysis
- Ongoing performance reviews and rebalancing
- Proactive updates when adjustments are needed
- Access to your account anytime through our Axos client portal
Retirement Planning That Helps You Prepare—and Stay Prepared
Planning for retirement is about more than just saving—it’s about turning your savings into income you can count on. We’ll help you answer the big questions: When can I retire? How much will I need? What happens if markets shift or healthcare costs rise?
- Social Security timing strategies
- Long-term income planning
- Risk and withdrawal analysis
- Portfolio alignment for retirement years
Financial Consulting—Advice When You Need It, On Your Terms
Not everyone needs ongoing portfolio management. Sometimes, you just need expert advice on a specific issue. We offer flexible, one-time or project-based consulting to help with questions like:
- Am I saving enough for college or retirement?
- Should I convert to a Roth IRA?
- Is my current investment strategy still right for me?
- How do I structure charitable giving?
- The leveraging effects of compounding interest?
Risk Analysis & Portfolio Review to Match Your Comfort Zone
If you’re not sure whether your current investments match your comfort with risk, we can help. Our Risk Number assessment, powered by Nitrogen technology, helps identify your true risk tolerance and align your portfolio accordingly.
- Quick online risk assessment
- Side-by-side comparison with your current holdings
- Suggested changes to help you invest with more confidence
Frequently Asked Questions About Our Financial Services
Choosing a financial advisor is a personal decision—and it’s normal to want clarity before moving forward. Below are some of the most common questions we hear about our services, our approach, and what it’s like to work with us. If you don’t see your question here, feel free to reach out—we’re happy to help.
What does “fee-only” actually mean in practice?
Fee-only means we are compensated solely by our clients—never by commissions, product sales, or referral incentives. Whether you invest $20,000 or $2 million, our only incentive is to give you advice that aligns with your best interests. We believe this structure removes conflicts and makes your goals the priority, always.
Do you offer ongoing financial planning, or just one-time services?
We offer both. Some clients meet with us once or twice for targeted financial consulting. Others engage us for long-term portfolio management and planning. You can choose what fits your current needs—and adjust over time as life changes.
Can you manage investments that I already have with another firm or employer?
Yes, in most cases. We regularly help clients roll over 401(k)s, consolidate IRAs, and evaluate existing brokerage or retirement accounts. If your current investments can’t be transferred, we’ll still review and advise on how they fit into your overall plan.
What makes your investment management different from a robo-advisor or big firm?
Unlike robo-advisors, our portfolios are not automated or one-size-fits-all. Every account is personally managed and adjusted based on your situation—not an algorithm. Compared to large national firms, we offer direct access to your advisor, transparent pricing, and a personal relationship—not a rotating list of representatives.
What’s included in a portfolio review or financial consulting session?
We start by gathering your current account statements and goals. Then we review asset allocation, risk exposure, fees, and tax efficiency. You’ll get clear feedback on where you stand and what to consider adjusting. We’ll also answer any questions you have—whether it’s about retirement, investing, budgeting, or next steps.
Do you prepare taxes or legal documents?
No—we don’t provide tax preparation or legal services. However, we frequently coordinate with your CPA or estate attorney and can offer tax-aware investment strategies, retirement income guidance, and charitable giving insights that align with your tax and legal plans.
How often will we meet if I become an ongoing client?
We typically meet at least once per year for a full portfolio and strategy review. However, many clients choose to meet more frequently—quarterly or semi-annually. We’re also available throughout the year for updates, questions, or life changes that may impact your plan.
What’s the typical timeline to get started?
From our first conversation to implementation, most clients begin within 2–4 weeks. This includes discovery, planning, and paperwork. If we’re reviewing existing accounts or waiting on transfers, it can take a bit longer—but we’ll guide you through every step.
How do you keep client information secure?
We use secure document portals, encrypted email options, and a professional-grade custodian platform through Axos. You’ll have access to your portfolio 24/7 via a secure login, and we’ll never share your data without your consent.
Can I invest according to my personal values or preferences?
Yes. If you have specific values—such as avoiding certain industries or supporting ESG strategies—we can factor those into your investment plan. Let us know what matters to you, and we’ll build a portfolio that reflects those priorities.
Services for Every Type of Investor
Whether you're a first-time investor just starting out or a high-net-worth individual with complex needs, our wealth management offerings scale to your life stage.
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