Retirement Collaborative LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Retirement Collaborative LLC works with individual clients (including high‑net‑worth individuals) as well as a range of institutional clients such as defined contribution and defined benefit retirement plans, trusts, foundations, and other business entities. The firm offers retirement plan consulting, fiduciary reviews, participant education, investment management, and wealth management services tailored to both plan sponsors and individual investors.
The firm’s investment process is built around a four‑step Fiduciary Quality Management System (organize, formalize, implement, monitor) and typically documents strategies in an Investment Policy Statement; it draws on both fundamental and technical analysis and provides discretionary portfolio management. For plan clients it provides Tactical Forecast Strategies, RFP and benchmarking analyses, participant education and PCRA/Pontera platform support, and it offers client tools such as a personalized wealth‑management website and eMoney‑based financial planning.
Notable distinctions include the firm’s disclosed affiliations with insurance providers and insurance activities — advisers are licensed to offer insurance, the brochure references relationships with carriers (including Jackson National Life and Allianz Life) and estimates about 15% of adviser time is spent on insurance matters — with related conflicts addressed by disclosure. The firm also discloses referral and affiliated arrangements with a separate law practice and a title‑insurance business, and emphasizes customized RFP/benchmarking reports, open‑architecture plan implementation, and flexible fee arrangements with no stated account minimum.
Client services
Expertise
Occupation focus
Fee options
Fixed fees up to $50,000 per quarter for consulting or investment management services; various fixed fees for targeted wealth management services ranging from $100 per year to $500 per service.
$0.00 - $10,000: 1.50% $10,001 - $50,000: 1.00% $50,001 - $250,000: 0.95% $250,001 - $500,000: 0.90% $500,001 - $1,000,000: 0.80% $1,000,001 - $2,500,000: 0.70% $2,500,001 - $5,000,000: 0.50% $5,000,001 - $10,000,000: 0.30% $10,000,001 - $20,000,000: 0.20%
Hourly fees up to $300 per hour; billed quarterly in arrears.
Minimum fee: Minimum annual fee of $300 for Advice Only retirement account advisory service. Fee-only: Retirement Collaborative LLC is a fee-only investment adviser.
Main office
2000 Linglestown Road, Suite 303
Harrisburg PA 17110
Advisors at this office
2
Most active in
Pennsylvania
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Lawyer
They provide legal services, typically billed separately.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Matthew K
Harrisburg, PA
Retirement Collaborative LLC
Matthew Krupp is a financial advisor at Retirement Collaborative LLC with one year of industry experience. He has previously worked at Krupp Settlements since 2024 and DeSantis Krupp, LLC since 2017, following an 11-year tenure with the Commonwealth of Pennsylvania. Retirement Collaborative LLC serves individual clients, including high-net-worth individuals, as well as institutional clients such as retirement plans, trusts, and foundations. The firm provides retirement plan consulting, fiduciary reviews, participant education, investment management, and wealth management services, employing a four-step Fiduciary Quality Management System and offering discretionary portfolio management alongside customized plan support and financial planning tools.
Stephen H
Series 63, Series 65
Harrisburg, PA
Retirement Collaborative LLC
Stephen Hetrick is a financial advisor with Retirement Collaborative LLC in Harrisburg, PA. He holds Series 63 and Series 65 licenses and has 23 years of industry experience, including 18 years with his current firm. In addition to advisory work, he is an independent agent providing non-variable life and health insurance through various insurance companies. Retirement Collaborative LLC serves individual clients, including high-net-worth individuals, as well as institutional clients such as retirement plans, trusts, and foundations. The firm offers retirement plan consulting, fiduciary reviews, participant education, and investment and wealth management services, utilizing a four-step Fiduciary Quality Management System and a combination of fundamental and technical analysis.
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