# EDGAR Filing Document

**Accession Number:** 0001809416
**File Stem:** 0001809416-26-000001
**Filing Date:** 2026-1
**Character Count:** 7454
**Document Hash:** c20a18be94872884a6817d3cf7c8520b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001809416-26-000001.hdr.sgml**: 20260120

**ACCESSION NUMBER**: 0001809416-26-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260120

**DATE AS OF CHANGE**: 20260120

**EFFECTIVENESS DATE**: 20260120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Main Line Retirement Advisors, LLC
- **CENTRAL INDEX KEY:** 0001809416

**ORGANIZATION NAME:**
- **EIN:** 813157894

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23316
- **FILM NUMBER:** 26541773

**BUSINESS ADDRESS:**
- **STREET 1:** 2 O'BRIEN AVE
- **CITY:** WHITEFISH
- **STATE:** MT
- **ZIP:** 59937
- **BUSINESS PHONE:** 800-480-8681

**MAIL ADDRESS:**
- **STREET 1:** 2 O'BRIEN AVE
- **CITY:** WHITEFISH
- **STATE:** MT
- **ZIP:** 59937

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Main Line Retirement Advisors LLC<br>**Address:** 2 O'BRIEN AVE<br>WHITEFISH, MT 59937

**Form 13F File Number:** 028-23316

**CRD Number (if applicable):** 000284780

**SEC File Number (if applicable):** 801-108390

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Alfred F Matarazzo<br>**Title:** presedent<br>**Phone:** 6105878190

**Signature, Place, and Date of Signing:**

Alfred F Matarazzo  Whitefish, MT  01-20-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 37

**Form 13F Information Table Value Total:** $115097214

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| CAPITAL GRP FIXED INCM ETF T | CORE PLUS INCM | 14020Y102 |  | 15992253 | 704660 | SH |  | SOLE |  | 704660 | 0 | 0 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 9540691 | 319751 | SH |  | SOLE |  | 319751 | 0 | 0 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 9251885 | 327845 | SH |  | SOLE |  | 327845 | 0 | 0 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 10946622 | 458593 | SH |  | SOLE |  | 458593 | 0 | 0 |
| FIRST TR SML CP CORE ALPHA F | COM SHS | 33734Y109 |  | 9245361 | 101000 | SH |  | SOLE |  | 101000 | 0 | 0 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 5720671 | 196925 | SH |  | SOLE |  | 196925 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 12656907 | 190409 | SH |  | SOLE |  | 190409 | 0 | 0 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 |  | 2850895 | 38226 | SH |  | SOLE |  | 38226 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 8580417 | 116661 | SH |  | SOLE |  | 116661 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 7224815 | 48327 | SH |  | SOLE |  | 48327 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 6245991 | 20091 | SH |  | SOLE |  | 20091 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 327004 | 7753 | SH |  | SOLE |  | 7753 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 795075 | 13718 | SH |  | SOLE |  | 13718 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 1291291 | 23487 | SH |  | SOLE |  | 23487 | 0 | 0 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 3033503 | 58735 | SH |  | SOLE |  | 58735 | 0 | 0 |
| FIRST TR VALUE LINE DIVID IN | SHS | 33734H106 |  | 1233986 | 30424 | SH |  | SOLE |  | 30424 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1429273 | 13557 | SH |  | SOLE |  | 13557 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 287810 | 5149 | SH |  | SOLE |  | 5149 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 205267 | 432 | SH |  | SOLE |  | 432 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 933722 | 2483 | SH |  | SOLE |  | 2483 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 226991 | 1448 | SH |  | SOLE |  | 1448 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 647024 | 3361 | SH |  | SOLE |  | 3361 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 202949 | 1011 | SH |  | SOLE |  | 1011 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 235942 | 3035 | SH |  | SOLE |  | 3035 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 285832 | 580 | SH |  | SOLE |  | 580 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 627690 | 8150 | SH |  | SOLE |  | 8150 | 0 | 0 |
| WISDOMTREE TR | INTRST RATE HDGE | 97717W380 |  | 404698 | 17731 | SH |  | SOLE |  | 17731 | 0 | 0 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 1502288 | 23248 | SH |  | SOLE |  | 23248 | 0 | 0 |
| F N B CORP | COM | 302520101 |  | 297366 | 21595 | SH |  | SOLE |  | 21595 | 0 | 0 |
| PACER FDS TR | INDUSTRIAL RELET | 69374H766 |  | 297497 | 7110 | SH |  | SOLE |  | 7110 | 0 | 0 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 722894 | 28194 | SH |  | SOLE |  | 28194 | 0 | 0 |
| PUBLIC STORAGE | COM | 74460D109 |  | 431386 | 1414 | SH |  | SOLE |  | 1414 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 481542 | 826 | SH |  | SOLE |  | 826 | 0 | 0 |
| JANUS DETROIT STR TR | HENDERSN CAP ETF | 47103U100 |  | 250750 | 4250 | SH |  | SOLE |  | 4250 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 229069 | 1209 | SH |  | SOLE |  | 1209 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 252344 | 1320 | SH |  | SOLE |  | 1320 | 0 | 0 |
| FIRST TR EXCH TRADED FD III | SHRT DUR MNG MUN | 33739P830 |  | 207513 | 10402 | SH |  | SOLE |  | 10402 | 0 | 0 |

---