Main Line Retirement Advisors, LLC is a Limited Liability Company organized under the laws of Pennsylvania. Al Matarazzo, Jr. is the principal owner and founded the Malvern, PA-based investment advisory firm in 2016. Main Line Retirement Advisors, LLC is a SEC registered investment advisory firm. In addition to Main Line Retirement Advisors, LLC, we offer these investment advisory services under the brand HeartStone Advisors as well, which is a “doing business as” designation for Main Line Retirement Advisors, LLC. Both Main Line Retirement Advisors, LLC and our d/b/a Heartstone Advisors are referred herein collectively as “we, us, our and/or ours.” We trace our roots back to Main Line Financial Advisors, a wholistic wealth planning firm founded in 1958 by Alfred Matarazzo Sr. outside of Philadelphia, PA. Individual Wealth Management Services Our firm offers individual wealth management services through the our Wealth Management Program . on a discretionary or non-discretionary basis. Discretionary investment management means that we may execute securities transactions in your account without your prior approval. Non-discretionary advisory services means we must have your consent or instruction before executing securities transactions. Account supervision is guided by the client's stated objectives (e.g. conservative, moderate, balanced, growth, aggressive), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities:  Exchange-listed securities  Securities traded over-the-counter  Foreign issuers  Corporate debt securities (other than commercial paper)  Commercial paper  Certificates of deposit  Municipal securities  Variable life insurance  Variable annuities  Mutual fund shares  United States governmental securities  Options contracts on securities  Interests in partnerships investing in real estate Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. Our firm also provides Comprehensive Wealth Management Services to clients which include all of the services listed above plus certain financial planning services which may involve tax planning, retirement planning, risk management analysis, estate planning, cash flow planning, business planning and/or education planning. With a client’s consent, our firm may also provide discretionary and non- discretionary individual wealth management services to client’s “Held Away Accounts.” Held Away Accounts are assets held at custodians that are not directly accessible by our firm. The custody and management of Held Away Accounts are discussed

in greater detail in Item 15, Custody. Clients who request individual wealth management services for Held Away Accounts must agree to the Pontera Order Management System (“Pontera”) End User Terms and Condition and Privacy Policy, and must further agree to keep our firm appraised of any changes to the user name and password access credentials for the Held Away Accounts. We do not use client’s usernames or passwords to manage Held Away Accounts. Rather, such access credentials are provided to Pontera, which grants us access to the Held Away Accounts for viewing and trading authority only. We are only able, through the Pontera system, to view the holdings and balances of Held Away Accounts and enter trades in the Held Away Accounts under our discretionary or non-discretionary authority. As described below, services will be invoices against the client’s other accounts that are held by our qualified custodian(s). Corporate Retirement Consulting We assist corporate retirement plan sponsors by serving as their investment and fiduciary advisor, helping them meet the needs of their employees while working within increasingly stringent guidelines put in place by ERISA. Our service model involves implementing customized processes designed to help sponsors manage their organization’s plan as effectively as possible, including quarterly reporting, ERISA compliance and, when requested, assisting with employee allocations. As part of a comprehensive corporate retirement plan management strategy, we regularly monitor plan fees and costs and review the overall performance of investment options. Significant cost savings from providers and vendors may be realized through aggressive negotiation and process improvement. Among other functions, we will design and help implement an investment policy statement, propose funds to watch and make recommendations regarding investment changes within the plan, monitor existing investment options and conduct participant education seminars. Assets Under Management As of December 31, 2023, we managed approximately $357,323,683 in client assets on a discretionary basis (where we made all investment decisions). We did not have any client assets managed on a non-discretionary basis (where our clients made the investment decisions based upon our recommendations). Third Party Investment Advisory Services We may recommend that all or a portion of your portfolio be allocated to an unaffiliated third party investment manager. We have entered into an agreements with a third party investment manager to provide investment management services for select clients. We will use the information you have provided about your investment objectives, goals, and risk tolerances, as well as other relevant information, to identify if a third party investment manager appears appropriate for you. Specifically, through a third party management agreement, we offer customers and prospective customers investment advisory services provided by Vanguard Third Party Investment Advisory Services.