Main Line Retirement Advisors, LLC

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Client assets under management

$254,625,785

Clients

158

38% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

$1,611,556

About

Main Line Retirement Advisors, LLC (d/b/a HeartStone Advisors) serves individual investors—including many high‑net‑worth clients—and corporate retirement plan sponsors. The firm provides discretionary wealth management and comprehensive planning services alongside ERISA-focused retirement plan consulting, and manages approximately $449 million for about 158 clients.

The firm typically manages client assets on a discretionary basis and uses a mix of fundamental and technical analysis, including charting and options or short‑term trading where appropriate, to implement portfolios. It also incorporates third‑party manager allocations (including Vanguard’s third‑party services) and can manage “held‑away” accounts through a third‑party portal (Pontera) for viewing and trading authority.

Noteworthy aspects include a compact, two‑advisor structure overseeing a relatively large asset base and a formal retirement‑plan advisory practice that emphasizes fiduciary support, fee monitoring, and participant education. The firm also operates under the HeartStone Advisors d/b/a and traces its origins to an earlier Main Line financial practice, reflecting continuity in its advisory focus.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General retirement planning Retirement income strategy Wealth management Options & derivatives strategies

Fee options

Percentage

$0 - $50,000,000: 0.20% $50,000,000 - $100,000,000: 0.18% $100,000,000 - $500,000,000: 0.15%

Project-based

Hourly charges reported in Part 1 but not specifically detailed in this brochure.

Other

Account minimum: $1,000,000

Main office location

Main Line Retirement Advisors, LLC

2 O'brien Ave

Whitefish MT 59937, United States

Number of offices

Most active in

Colorado · Montana · New Hampshire · New Jersey · New York · Pennsylvania · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 800-480-8681

Advisors at this firm

Alfred M

Series 63, Series 65

Whitefish, MT

Main Line Retirement Advisors, LLC

Alfred Matarazzo is a financial advisor with Main Line Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His career includes long-term roles at FSC Securities Corporation and Main Line Financial Advisors LLC. Outside of finance, he is a passive partner in a craft spirits distillery and has served on nonprofit and industrial development boards. Main Line Retirement Advisors serves individual investors, including high-net-worth clients, and corporate retirement plan sponsors, providing discretionary wealth management and comprehensive financial planning. The firm manages portfolios primarily on a discretionary basis, combining fundamental and technical analysis, options strategies, and third-party manager allocations.

General retirement planning Retirement income strategy Wealth management Options & derivatives strategies

Zachary M

CFP®, Series 65

Whitefish, MT

Main Line Retirement Advisors, LLC

Zachary Matarazzo is a CFP® credentialed financial advisor with eight years of industry experience, currently serving at Main Line Retirement Advisors, LLC since 2017. Prior to his advisory career, he was a full-time student for ten years. Main Line Retirement Advisors, LLC (d/b/a HeartStone Advisors) provides discretionary wealth management and comprehensive financial planning to individual investors, including high-net-worth clients, as well as retirement plan consulting and participant education for corporate sponsors. The firm manages approximately $394 million in assets using a combination of fundamental and technical analysis, options strategies, and third-party manager allocations.

General retirement planning Retirement income strategy Wealth management Options & derivatives strategies

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