Built for fiduciaries,
by fiduciaries

True Link Visa® Prepaid Card and administration tools empower Professional Fiduciaries, Guardians, and Conservators.

The True Link Visa Prepaid Card with spending rules

Investment strategies aligned with the tenets of the Uniform Prudent Investor Act*

A unified system for recordkeeping, budgeting and disbursements

Efficient and helpful

True Link has been a very helpful and efficient tool in helping me get funds promptly and safely to disabled veterans whom I serve as a Fiduciary.

Keith Rollins

Awesome tool for us and our clients

True Link is an awesome tool for us to utilize for our clients to allow access to their funds and also provides a level of independence in managing their money. The True Link help center personnel are extremely helpful and have always come through when we have questions or issues. Thank you True Link!

Fiduciary

Save time and peace of mind

True Link Cards transformed our Fiduciary world. Having funds available in an instant versus 2 weeks of mailing time for a check or having Clients in and out of your office all day to pick up a check, has truly changed our office atmosphere. It has saved us more than time, in having peace of mind, knowing that you are serving your Clients so efficiently.

Central Florida Senior Solutions

Everything about True Link is Excellent

From the customer service they provide to the workability of the True Link debit card, we are able to provide better service to our clients. Every interaction I have had with them has been outstanding. The staff is knowledgeable, very friendly and easy to work with. As a professional Fiduciary with many clients, I will continue to use True Link cards for all of my clients.

Professional Fiduciary

An invaluable tool and excellent service

I have used True Link since 2017. I’ve recommended it to colleagues, Group Homes, and families who need to control cash for others with disabilities, personal control issues, addiction problems as well as dementia. The customer service is excellent and responsive. My biggest complaint is that they did not exist 35 years ago when I began my practice. I could not see myself functioning today without it.

Mielach Associates

Professional Fiduciaries rely on True Link
to help support cardholders

How the True Link Visa^® Card works

Spending management

1

Order Visa cards for your clients

Get set up in minutes! The Visa cards can be used everywhere Visa debit cards are accepted.

2

Set where the Visa card does and doesn't work

True Link's spending rules help you empower your clients to live independently.

3

Fund from existing bank accounts

True Link makes it easy to connect an existing bank account and supports both recurring and one-time transfers.

4

Automated reporting

The True Link platform provides transaction-level visibility into spending, built-in reports, and more.

Spending Management

True Link helps safeguard your clients' finances

Help protect benefits with
spending rules

Block spending or access to cash that
might put client's benefits eligibility at risk

Real-time visibility into
client spending

Alerts, transaction history, and more to
help you protect your clients

Built-in recordkeeping
and reporting

True Link provides integrated reporting to
streamline your recordkeeping

A True Link Visa Card helps make your job easier, and your clients life better

True Link exists to provide thoughtful financial solutions for people with complex needs and the people who help care for them.

Order In Minutes

The True Link Financial Suite

Complimentary software for investment* clients to
simplify your trust administration

360* Financial Management

Streamline your workflows with all of a beneficiary’s or trust’s information in one place

Cash Management and Distributions

Pay bills, disburse funds, and more, all from the easy-to-use True Link Trust Administration platform

Recordkeeping and Reporting

The True Link Trust Administration Platform features built-in recordkeeping and reporting to help save time and avoid complexity

The True Link Financial Suite

Invest with True Link Financial Advisors, LLC*

More than $1.67 Billion¹ in assets under management

No account
minimums

True Link Financial Advisors exists to
serve all financial caregivers and the
people you support

Investing designed for
fiduciaries and trustees

Investment management* for clients with
complex needs

Advisors with nationally-
recognized leadership

Including former fiduciaries and trustees
with deep experience investing for special needs

Dedicated to serving fiduciaries,
guardians, and trustees

Our team includes investment professionals from leading financial institutions working alongside former fiduciaries and trust administrators.

Peter J Wall

,

Fiduciary Services

Widely recognized for his expertise in special needs investments, trust administration, and planning, Peter is a member of the Academy of Special Needs Planners.

Peter J Wall is the Director of Fiduciary Services for True Link Financial Advisors, LLC. Prior to joining True Link, Mr. Wall developed and helped lead a dedicated Disability and Elder Law division of an $80 billion nationally chartered trust bank. With over 20 years of trust administration and planning experience, Peter focuses his efforts in the Elder Law Arena and is known for his Special Needs Trust administration and planning capabilities throughout the country. A Bachelor of Arts with Honors graduate of the University of Northern Colorado, Mr. Wall is the past president for the Centennial Estate Planning Council and Board of Directors of Colorado Access Gallery, and currently serves on the Board of Directors for Easterseals, Von’s Vision and the Board of Trustees for the next50 Foundation. He is a frequent presenter on the topics of Special Needs Trusts, estate planning, taxation, and trust administration and is a presenter and faculty member at conferences all over the country. Mr. Wall is also a published author, most notably in the Elder Law in Colorado Red Book, Fourth Edition; the National Academy of Elder Law Attorneys Journal; and WealthCounsel Quarterly. Peter is a nationally recognized touring saxophonist and lives in Denver, CO and with his two children.
‍

Notable Speaking Engagements:

2016, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 & 2026 Stetson College of Law National Special Needs Trust Conference
2019, 2020, 2021 & 2025 National Academy of Elder Law Attorneys (NAELA) Conference
2019, 2020, 2024 Special Needs Alliance
2013 National Down Syndrome Congress
2012, 2014, 2015, 2022 CBA Elder Law Retreat
2015 46th Annual Autism Society National Conference
2016 CBA Estate Planning Retreat
2017, 2021 & 2023 NGA’s National Conference on Guardianship
2020 California NAELA
2019, 2022 Arizona NAELA
2024 Federal Financial Institutions Examination Council at FDIC, Washington DC
2018 - 2026 University of Texas Law SNT
2022 & 2025 Schwab IMPACT®
2017, 2019, 2020 Washington Association of Professional Guardians
2019, 2020, 2021, 2022, 2023, 2026 Professional Fiduciaries Association of California (PFAC)
2020, 2021, 2022, 2023 & 2025 Guardianship Institute
2020 - 2026 National PLAN Alliance

‍

Beth Misak

,

Sr. Investment Advisor

Beth has spent the majority of her 15+ year career dedicated to investment management for fiduciaries.

Beth Misak is a Senior Investment Advisor for True Link Financial Advisors, LLC. Misak brings more than 17 years of experience in the financial services industry and has served as a California Licensed Professional Fiduciary (CLPF). Prior to joining True Link Financial Advisors, she was a Vice President at HearthStone Private Wealth Management, where she provided financial advisory services to professional fiduciaries. Misak is an active member of the Professional Fiduciaries of California (PFAC) having served on the conference fundraising committee since 2019, is a member of the Society for Estate and Trust Practitioners (STEP), and is a member of Probate Attorneys of San Diego (PASD). Beth can be reached at beth.misak@truelinkfinancial.com.

Kai Stinchcombe

,

Co-founder and CEO

Kai is a financial services innovator with a track record of leadership in Silicon Valley.

Kai’s experience building data-driven financial products combined with his personal passion for financial security in retirement drove him to launch True Link Financial. He is a frequent speaker on innovation and the venture process with deep relationships in Silicon Valley.

Kai is also the founder of the Roosevelt Institution, a nonprofit celebrated by Hillary Clinton (“Your work is providing a way for unblemished facts and research and innovative ideas to be heard in Washington”) that recently celebrated its tenth year and won a MacArthur Award for Creative and Effective Institutions. He holds degrees from Colorado College and Stanford University; was co-founder of Aktana, a machine learning sales management solution deployed at seven of the top ten pharma companies; and Strategic Districts, a redistricting analytics software company that contributed to maps described as “makes redistricting hall of fame,” “a key victory that will shape [state] politics for the next 10 years,” and “[a] masterstroke”; and was a member of the President’s Working Group on Aging and Technology under President Obama.

He has been a featured speaker at the SNT Symposium, Longevity Business Summit, Grant's Interest Rate Observer Conference, Professional Fiduciary Association of California, Finovate, Health 2.0, and Kent Presents, delivered a keynote at the North American Securities Administrators Association training for investor education coordinators and securities regulators from each of the states, was a guest on the Innovation Podcast, Bank On It, Wharton Business Radio, University of Pennsylvania Memory Center, Levin Associates "Expert Opinion", anti-scam podcast Scammercast, and FinTech Silicon Valley, and has been a guest lecturer or presenter at the London School of Economics, Harvard Business School, and UC Berkeley. He has been covered by Techcrunch, CNBC, Forbes Next Avenue three times, Initialized, Seniorcare.com, PYMNTS.com, the State of California, and more. His controversial commentary on blockchain has been translated into Dutch, Chinese, Czech, Japanese, Hebrew, and Korean. Outside of work he is passionate about stellar physics and redwood trees.

Find him on Linkedin, AngelList, Muckrack, Quora, Medium, Wikipedia, Twitter, and Crunchbase.

Bryan Kreitzberg, CFA

,

CFA

Director, Portfolio Management

Bryan has broad experience managing investments for special needs trusts, conservatorships, and family foundations.

Bryan Kreitzberg, CFA, is a Portfolio Manager at True Link Financial Advisors. Mr. Kreitzberg is a CFA charterholder and member of the CFA Society of Colorado. He has 18 years of experience in the financial services and investment industry. Prior to joining True Link Financial Advisors, he spent nine years as an Investment Manager with BOK Financial Private Wealth. He has experience managing investments for a broad array of customers including special needs trusts, conservatorships, high net worth individuals, trusts, fiduciaries, and family foundations. He earned his Bachelor of Science degree in Business from Montana State University and an MBA from the Kelley School of Business at Indiana University.

Scott Parker

,

True Link Financial Advisors

Scott brings 30 years of experience to True Link and leads and manages all aspects of the True Link’s Financial Advisor’s Team.

Scott Parker leads True Link Financial Advisors. Scott leads and manages all aspects of the True Link’s Financial Advisor’s Team (a wholly-owned subsidiary of True Link Financial, Inc.) including investments, operations, and client services. He has almost 30 years of strong analytical leadership focused on building and improving operational procedures at registered investment advisor firms. Working primarily in smaller firms, Scott has developed a deep knowledge of the investment management arena with a sleeves-up, hands-on approach. This includes great client relationship skills, performance reporting, vendor selection/ negotiation, risk management, compliance, billing, software implementation/maintenance and streamlining efficiencies. He is licensed with a Series 65 by the Financial Industry Regulatory Authority (FINRA).

‍

Help safeguard the finances and independence of your clients

With the True Link Visa® Prepaid Card and easy-to-use platform, fiduciaries and guardians can manage multiple client accounts, disburse funds, and set spending guardrails that help protect federal benefits — giving clients freedom to spend on their own.

Send funds electronically, eliminating checks and office pickups

Customize spending settings to help prevent risky purchases

Gain stronger fraud protection with ScamWatch powered by Retina

Streamline recordkeeping with reports of deposit and transaction history

One account, two experiences

The True Link Visa Card Admins and Cardholders have unique options and logins.

You, the Card Admin

Manage the Visa card

Issue prepaid cards, schedule one-time or recurring transfers, block or allow transactions, get account status alerts, and view purchase history — within the dashboard or on the go with the mobile app.

Your client, the Cardholder

Spends as allowed

Clients shop everywhere Visa debit cards are accepted, within the settings you set. They pay for everyday needs on their own, and view balance and upcoming transfers in the mobile app.

What matters to fiduciaries	True Link Visa Card	Manual checks	Standard debit or prepaid card
Speed of funds	Load funds electronically, with no mailing	Days via mail	Varies by provider
Spending settings	50+ categories, plus specific merchants	None once the check is cashed	Typically balance-only
Virtual card** to pay recurring client bills	Pay bills electronically with dedicated funds kept separate from client day-to-day spending	Write and mail a check for each bill	Typically not available
Cash and ATM blocking	Yes, set by Card Admin	Checks can be cashed	Typically not available
Real-time alerts	Yes, sent to Card Admin	No	Varies by provider
Audit-ready records	Transaction history for every Visa card	Manual register and receipts	Statements, varies by provider
Client independence	Cardholder pays on their own, with safeguards in place	Client waits for or picks up checks	Full access with fewer safeguards
Multi-client management	One dashboard and bulk ordering	One check at a time	Typically one account at a time

What matters to fiduciaries

True Link Visa Card

Manual checks

Standard debit or prepaid card

Speed of funds

Load funds electronically, with no mailing

Days via mail

Varies by provider

Spending settings

50+ categories, plus specific merchants

None once the check is cashed

Typically balance-only

Virtual card** to pay recurring client bills

Pay bills electronically with dedicated funds kept separate from client day-to-day spending

Write and mail a check for each bill

Typically not available

Cash and ATM blocking

Yes, set by Card Admin

Checks can be cashed

Typically not available

Real-time alerts

Yes, sent to Card Admin

Varies by provider

Audit-ready records

Transaction history for every Visa card

Manual register and receipts

Statements, varies by provider

Client independence

Cardholder pays on their own, with safeguards in place

Client waits for or picks up checks

Full access with fewer safeguards

Multi-client management

One dashboard and bulk ordering

One check at a time

Typically one account at a time

Getting started is easy

Sign up and order the Visa cards

Create your account. Once your information is reviewed and approved, we’ll mail the Visa cards.

Choose where the Visa cards work

Pick categories and merchants, decide on cash access, and turn on the alerts you want for each client.

Add funds and activate

Load funds to the Visa cards. Your clients use it wherever Visa debit is accepted.

Frequently asked questions

How much does the True Link Visa Card cost?

Pricing for a full-featured True Link Visa Card is $12.00 per month per active card.*** That includes access to Spending Settings, where you can choose from categories like “Allow Pharmacies” or “Block Cash.” If interested in our disbursement-only card and serving as an organizational representative payee (SSI/SSDI), see here.

Is a prepaid card secure and FDIC insured for a client’s funds?

The True Link Visa Card is issued by Sunrise Banks N.A., Member FDIC. Funds are FDIC insured up to $250,000 through Sunrise Banks, subject to FDIC rules. All True Link Visa Cards are protected from fraud under Visa’s Zero Liability Policy² and Regulation E, so customers have recourse if they do experience fraud on their cards and report that to our team.

Will a prepaid card affect Supplemental Security Income (SSI) eligibility?

For a trust beneficiary, True Link spending settings can help reduce federal benefits risk, for example by blocking ATM and cash-back access. SSI and special needs trust rules are complex, and True Link cannot guarantee eligibility. Talk with a benefits advisor or attorney, and review the True Link Compliance Guide.

How can a fiduciary document client spending for audits?

Fiduciaries can document client spending by generating itemized accounting reports directly from the True Link Visa Card dashboard. Transactions are captured in real time and automatically categorized by merchant, date, and expense classification. To fulfill court accounting requirements and Social Security Administration reviews across caseloads, card administrators can export client-level or roster-wide transaction histories, receipt attachments, and monthly statements on demand in CSV or PDF formats.

Does True Link offer investment management for the trusts I oversee?

Yes. True Link Financial Advisors, LLC provides investment management for special needs trusts, conservatorships, and other fiduciary accounts. Portfolios are built from diversified, low-cost ETFs, and there are no account minimums. To see whether it fits your clients, talk with our team.

What is True Link Ledger?

True Link Ledger is our accounting and reconciliation software for fiduciaries, guardians, and representative payees — coming soon. It brings client management, documents, transactions, and reconciliation into one platform, with one-click SSA and court reports. You’ll log in with the same credentials as your True Link Visa Card dashboard. Learn more and join the waitlist.

Built for fiduciaries,by fiduciaries

Efficient and helpful

Awesome tool for us and our clients

Save time and peace of mind

Everything about True Link is Excellent

An invaluable tool and excellent service

Professional Fiduciaries rely on True Linkto help support cardholders

True Link helps safeguard your clients' finances

Help protect benefits withspending rules

Real-time visibility intoclient spending

Built-in recordkeepingand reporting

A True Link Visa Card helps make your job easier, and your clients life better

More than $1.67 Billion¹ in assets under management

No accountminimums

Investing designed forfiduciaries and trustees

Advisors with nationally-recognized leadership

Dedicated to serving fiduciaries,guardians, and trustees

Peter J Wall

,

Beth Misak

,

Kai Stinchcombe

,

Bryan Kreitzberg, CFA

,

CFA

Scott Parker

,

Help safeguard the finances and independence of your clients

One account, two experiences

You, the Card Admin

Your client, the Cardholder

Provide spending guardrails while helping preserve dignity

Help protect funds with spending settings

Real-time visibility into Visa card activity

Built-in recordkeeping and reporting

Manage multiple client accounts in one place

A better way to manage funds for your clients

Independence for an aging mother after a dementia diagnosis