True Link Financial Advisors

True Link operates its investment management through a subsidiary registered with the SEC as a registered investment advisor. The firm's investment committee oversees asset allocation across pooled trusts and individual accounts, with CEO Kai Stinchcombe guiding overall strategy. The team includes certified trust and fiduciary specialists experienced in administering special-needs trusts and settlement-protection trusts, per public record.

True Link is chartered as a trust company and registered investment advisor, not a bank. It issues its own Visa prepaid cards through a bank partnership but holds client assets in custodial and trust accounts under fiduciary standards. The firm is structured as a public-benefit corporation, meaning its fiduciary duty extends to a stated social mission alongside shareholder returns.

The card allows guardians, trustees, or family members to set merchant-category blocks, geographic spending restrictions, and transaction-size limits in near real time. A caregiver can, for instance, block all telemarketing and sweepstakes categories while permitting grocery and pharmacy spending. Unlike joint bank accounts, these controls cannot be overridden by the cardholder, making them useful for people who are financially vulnerable but legally independent.

True Link administers pooled special-needs trusts, pooled settlement-protection trusts, and individual trust accounts designed to preserve eligibility for means-tested government benefits like Medicaid and SSI. The pooled structure allows sub-$50,000 accounts — amounts that traditional corporate trustees typically reject — to be aggregated into institutional portfolios with professional investment management.

The firm acquires users through professional fiduciaries, elder-law attorneys, social workers, and organizations serving older adults and people with disabilities. Its platform is designed for intermediaries who manage multiple wards or beneficiaries, rather than for direct retail acquisition via advertising. The 2023 fraud dashboard launch explicitly targeted this professional fiduciary channel.

Yes, True Link has raised venture capital from firms including Initialized Capital and Radicle Impact. As a public-benefit corporation incorporated in Delaware, the firm's charter balances shareholder interests with its stated public purpose of protecting vulnerable populations. This structure gives the board legal cover to prioritize mission-aligned product decisions over short-term revenue maximization.

True Link's pooled trusts are active in several states through state-specific master trusts. Programs are established in New York, California, Ohio, and other jurisdictions, with each trust complying with individual state enabling statutes and Medicaid agency requirements. The firm adds new state programs as it secures regulatory approvals.