Welcome. I am Vivienne Scarlett Hayes, a Certified Financial Consultant and Registered Broker with over 14 years of experience helping individuals, families, and businesses build lasting wealth and financial security.
My practice is rooted in one simple belief: every client deserves a personalised strategy tailored to their unique goals, risk tolerance, and life circumstances. Whether you are planning for retirement, growing an investment portfolio, or navigating complex financial decisions, I am here to guide you every step of the way.
I hold certifications from globally recognised institutions and have represented clients across North America, Europe, and emerging markets. My approach blends rigorous analysis with a deeply human touch because financial freedom is not just about numbers, it is about the life you want to live.
I invite you to take the first step toward your financial future today.
Registered Broker
"True financial freedom is not a destination you arrive at overnight. It is built through disciplined strategy, honest counsel, and the courage to make decisions aligned with your deepest values."
I believe in transparency, long-term thinking, and client relationships built on trust. Every recommendation I make is grounded in thorough research and an unwavering commitment to your best interests.
Comprehensive financial solutions designed around your life and goals
Holistic planning that covers investments, tax efficiency, estate planning, and more, so your wealth works cohesively toward your goals.
Bespoke portfolio construction and ongoing management using equities, fixed income, ETFs, alternatives, and digital assets.
Structured plans that project your future income needs, optimise pension and savings vehicles, and ensure you retire on your own terms.
Regulated guidance on cryptocurrency investment, DeFi exposure, and portfolio diversification into blockchain-based assets.
Strategic tax planning that legally minimises your liability and preserves more of what you earn, from income tax to capital gains.
Ensuring your assets are preserved and distributed according to your wishes, protecting your family across generations.
Cash flow management, business valuation, succession planning, and financial strategy for SMEs and growing enterprises.
Regulated trading guidance in foreign exchange and commodity markets, with risk management strategies tailored to your profile.
A structured, client-first process that ensures every decision serves your long-term interests.
Every engagement begins with listening. I take time to understand your financial situation, goals, family circumstances, and risk appetite before any recommendation is made.
Using your discovery insights, I design a tailored financial strategy with clear milestones. Every recommendation is explained in plain language, so you understand exactly what is happening with your money.
Markets evolve. Life changes. I provide regular portfolio reviews, proactive rebalancing, and ongoing communication so your strategy stays aligned with where you are headed.
Certified. Regulated. Held to the highest professional standards.
One of the most rigorous and respected credentials in global investment management and financial analysis.
The gold standard for personal financial planning, covering retirement, tax, estate, and investment planning.
FINRA-regulated licences authorising general securities representation and investment advisory services in the United States.
Advanced regulatory knowledge covering compliance, financial crime prevention, and client asset rules across regulated markets.
Specialised training in blockchain technology, digital asset valuation, and compliant portfolio integration of crypto assets.
Internationally recognised certification in financial literacy education and inclusive financial strategy for diverse populations.
14+ years building expertise across global markets and institutions
Founded and grew an independent financial consultancy serving high-net-worth individuals and SMEs across North America, Europe, and emerging markets. Oversees a team of analysts and manages multi-million dollar client portfolios with a focus on bespoke, long-term wealth strategies.
Provided institutional-grade investment research and portfolio analysis for a boutique capital management firm. Led client presentations and contributed to the development of proprietary risk assessment models used across the firm's advisory practice.
Began her professional career as a registered broker, supporting senior advisors in client onboarding, trade execution, and compliance documentation. Developed foundational expertise in equity markets, fixed income instruments, and regulatory frameworks across North American and European markets.
What clients say about working with Vivienne
Vivienne has been an absolute game-changer for my retirement planning. She took the time to understand everything about my situation, explained every option clearly, and now I feel genuinely confident about my future. The returns speak for themselves.
I came to Vivienne with a tangled portfolio and no clear direction. Within three months we had a coherent strategy, reduced my tax exposure significantly, and I finally understood where my money was going. Exceptional professionalism and genuine care for clients.
Vivienne handled our family's multi-generational wealth strategy with grace and precision. She understood both the financial complexity and the emotional weight of the decisions involved. We trust her completely and would recommend her without hesitation.
I desired full control over my assets and was introduced to Vivienne Hayes. Since then it has been one milestone after another. I have gained significantly from working with her, both financially and in terms of knowledge and confidence in my own financial decisions.
Very friendly and highly efficient. Vivienne and her team go that little bit further than others consistently. The small things that make a big difference are what you notice most, and they add up to exceptional results over time.
Working with Vivienne completely changed how I think about money. She did not just manage my portfolio; she educated me along the way. I now feel genuinely confident about my financial future for the first time in my life.
Ready to take the first step toward your financial freedom? Reach out today and let's build your personalised strategy together.
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