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Services

Approachable advice for high-net-worth individuals, 401(k) plans, and plan participants. 

We are a family business. We pride ourselves in treating clients like family, too. For over 65 years we have helped people from all walks of life succeed financially. Though we maintain a small family office, we have decades of experience providing nuanced financial advice to a variety of clientele.

Private Wealth Management

We create and manage investment allocations for high net worth families and individuals with an eye towards risk reduction and cost efficiency.

To ensure the highest level of service, we only work with a handful of new wealth management clients each year, often referrals from current clientele. 

ERISA Consulting

We are an independent voice to review and negotiate contracts, improve upon plan design and take on ERISA 3(38) liability for investments within workplace plans. We work with all employer retirement plans including 401(k)s, 403(b)s, and defined benefit plans.

Financial Planning

We ensure financial goals are achieved through rigorous, customized financial planning delivered by a CFP® practitioner.

Employee Education

We provide ongoing employee education to retirement plan participants including one-on-one financial consultations, group education, and market commentary.

About

The Family Business - 65 Years in the Making

Fred Matarazzo's journey into the world of trusted financial professionals began in his youth, as he observed the profound bond that developed between his father and the family's dependable accountant. Inspired by the positive impact this financial expert had on his family, Fred harbored a desire to assist others in a similar manner. This aspiration led him to pursue higher education at the prestigious Wharton School of Business at the University of Pennsylvania, where he honed his skills and eventually became a Certified Public Accountant in 1960.

As Fred's accounting practice flourished, he recognized a growing need among his clients for comprehensive financial guidance. In response to this demand, he made the pivotal decision to expand his firm's services. Pioneering the way, Fred became one of the nation's earliest Certified Financial Planners, further cementing his commitment to helping individuals and families navigate their financial journeys.

In 1990, a new chapter unfolded as Al Matarazzo, Fred's son, joined his father in this noble endeavor. Together, they transformed a modest accounting practice into a singular hub for comprehensive financial services. Fred Matarazzo firmly believed that selecting the right financial partner is one of life's most significant decisions, and this guiding principle continues to be our cornerstone today.
We stand by you every step of the way, offering unwavering support and expertise throughout life's many changes, just as Fred envisioned all those years ago.

Meet the Team

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Alfred Matarazzo CMFC®

Alfred Matarazzo is the firm principal at HeartStone. For over 3 decades, Al has been deeply involved in the investment advisory business. Al is the firm’s lead advisor. He is proud to have built long-standing, multigenerational relationships with many HeartStone clients.

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Zachary Matarazzo CFP® AIF®

Zachary Matarazzo began working at HeartStone after graduating from Bucknell University in 2017 with a degree in financial management. As a Certified Financial Planner®, Zach eagerly advises clients on all aspects of investment, tax, retirement, and estate planning.

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Madison Montanye 

Madison Montanye (formerly Matarazzo) began working at HeartStone after graduating from James Madison University in 2019 with a degree in technical communication. Madison manages all aspects of client satisfaction, including client outreach, account service, and event planning.

Contact Us

Get in Touch

2 Obrien Avenue

Whitefish, Montana 59937

(406) 862-3795

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