Question: True Link Financial, Inc. is a San Francisco, California based financial services firm that offers investment accounts and debit cards customized for seniors, notable investors include which American software engineer?
Context: Visa Inc. ( or ) (also known as Visa, stylized as VISA) is an American multinational financial services corporation headquartered in Foster City, California, United States.  It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards and debit cards. Visa does not issue cards, extend credit or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers.  In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa’s global network (known as VisaNet) processed 100 billion transactions with a total volume of US$6.8 trillion. Balboa Bank & Trust is a financial institution based in the Banking Center of the Republic of Panama.  It is a subsidiary of Strategic Investors Group, Inc., a company registered under the laws of the Republic of Panama.  The bank offers savings accounts, checking accounts, time deposits, money market accounts, debit cards, trust services, credit cards, and MasterCard cards. Wells Fargo & Company is an American international banking and financial services holding company headquartered in San Francisco, California, with "hubquarters" throughout the country.  It is the world's second-largest bank by market capitalization and the third largest bank in the U.S. by assets.  In July 2015, Wells Fargo became the world's largest bank by market capitalization, edging past ICBC, before slipping behind JP Morgan Chase in September 2016, in the wake of a scandal involving the creation of over 2 million fake bank accounts by Wells Fargo employees.  Wells Fargo surpassed Citigroup Inc. to become the third-largest U.S. bank by assets at the end of 2015.  Wells Fargo is the second-largest bank in deposits, home mortgage servicing, and debit cards.  The firm's primary U.S. operating subsidiary is national bank Wells Fargo Bank, N.A., which designates its main office as Sioux Falls, South Dakota. True Link Financial, Inc. is a San Francisco, California based financial services firm that offers investment accounts and debit cards customized for seniors.  Notable investors include Y Combinator, Cambia, Mitch Kapor, Alexis Ohanian, Eric Ries, and Matt Cutts. Fantex Holdings, Inc. is a U.S.-based financial services and brand development company headquartered in San Francisco, California which provides an investment service allowing investors to trade securities tied to the cash flows of professional athletes and their brand contracts with Fantex.  Since their first Initial Public Offering of shares linked to future earnings of San Francisco 49ers Pro Bowl tight end Vernon Davis in October 2013, Fantex has continued to initiate brand contracts and list more athletes on their exchange.  The Fantex asset class has been compared to investments similar to the celebrity bonds offered by professional entertainers, including the 1997 offering by David Bowie. Space Angels (formerly known as Space Angels Network Inc.) is a privately-held financial services company with a group of angel investors who are focused exclusively on the aerospace industry.  It is based in New York with virtual offices in London, Los Angeles, Hong Kong, Seattle, San Francisco, Stockholm, and Zurich.  The typical investment is between $500,000 to $1,000,000 USD of equity.  Space Angels operates as a financial services company in that it offers deal discovery, manages the deal flow pipeline, conducts due diligence, facilitates equity investment, and manages portfolio investments.  More recently, it has developed an online platform with virtual deal rooms, where investors can see deal information and execute on investments. Wirex (formerly E-Coin) is a cloud-based hybrid personal banking platform that offers bitcoin debit cards, remittances, and mobile banking.  Headquartered in London, Wirex allows users to link bitcoin wallets to Visa and MasterCard debit cards in up to three fiat denominations (dollars, pounds sterling, and euro).  Wirex can be accessed from desktop and mobile banking app Wirex app. Matthew "Matt" Cutts (born 1972 or 1973) is an American software engineer.  He is the former head of the web spam team at Google, but is now working for the United States Digital Service as the director of engineering.  On January 20, 2017, he became the acting administrator of the USDS.  Cutts had previously worked with Google as part of the search quality team on search engine optimization issues. Laser was a debit card scheme in Ireland.  The Laser scheme was maintained and operated by Laser Card Services Ltd., a not-for-profit body owned by four leading financial institutions in Ireland and overseen since 2008 by the Oversight Unit of the Central Bank.  The scheme was launched in 1996 and in 2010 there were almost 3 million Laser cards in circulation.  195 million transactions worth almost €11.2 billion were carried out on those cards in 2009.  From 2007, the financial institutions which had issued Laser cards began to replace them with Visa or MasterCard debit cards.  Laser cards were withdrawn from the market on 28 February 2014. A separately managed account (SMA) is a term within the investment management industry encompassing several different types of investment accounts.  For example, an SMA often is used to refer to an individual managed investment account often offered by a brokerage firm through one of their brokers or financial consultants and managed by independent investment management firms (often called money managers for short) and have varying fee structures.  These particular types of SMAs may be called "wrap fee" or "dual contract" accounts, depending on their structure.  There is no official designation for the SMA, but there are common characteristics that are represented in many types of SMA programs.  These characteristics include an open structure or flexible investment security choices; multiple money managers; and a customized investment portfolio formulated for a client's specific investment objectives or desired restrictions.
Answer: Matthew "Matt" Cutts