Vivian Honeycutt


Bay Capital Advisors, LLC

Member, Financial Advisor

Vivian Honeycutt


Bay Capital Advisors, LLC

Member, Financial Advisor

I love puzzles. Paint a picture of your goals, show me the pieces, and I’ll provide advice for completing the picture. - Vivian Honeycutt, CFP®

Fee-Only investment advisor and financial planner located in Virginia Beach, VA, serving clients in Virginia Beach, Chesapeake, Norfolk, Newport News, Suffolk, Southeast Virginia and Northeast North Carolina.

Vivian Honeycutt is a Virginia Beach, VA fee-only financial planner. Bay Capital Advisors, LLC provides retirement income planning, investment management, and estate planning to help high net worth individuals, couples, and families organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Vivian Honeycutt always has your best interest in mind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Vivian Honeycutt specializes in Financial Planning. She is a graduate of the American College for Financial Planning and has been a Certified Financial Planner™ since 2005. She started her career in the planning profession in 2000 as an advisor with Prudential. Before joining Bay Capital Advisors, she was President of Honeycutt Financial, a firm she founded in 2005.

Vivian is the past President of the Southeastern Chapter of the National Association of Women Business Owners, the past local Chair of the National Association of Personal Financial Advisors, and a member of other financial planning associations.

She lives in Chesapeake, VA with her husband, Larry and enjoys spending time with her daughter and two grandkids.

Vivian Honeycutt is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

The Bay Capital difference

Our Independence

We are an independent Registered Investment Advisor (RIA) firm, which means we are not tied to a single product, nor do we have any conflicts of interest. We are committed to offering unbiased and objective recommendations and strategies aligned with your unique needs and specific goals.

Our Approach

You deserve financial strategies that are as unique and personal as your goals and financial situation. We take the time to learn about your financial situation, retirement goals, and answer any questions or concerns you have. Our approach is process-oriented, not sales-oriented. We aren't focused on selling you products or recommending cookie-cutter strategies. Instead, we want to nourish long-term relationships and create an environment in which you are comfortable.

Our Goal

We understand how overwhelming it can be to navigate the world of financial planning and investing. Without trusted guidance and easy-to-understand advice, it's hard to feel confident in your financial future. Our goal is to help you create a roadmap designed to connect today's reality with tomorrow's objectives.

Our Communication & Education

Whether you are a sophisticated investor or a financial novice, we want you to feel confident, comfortable, and well-informed. We provide you regular updates on your strategies, we encourage questions, and we are happy to meet or schedule a phone call to address your concerns. By staying in frequent contact, we believe we can build stronger relationships with you and your family that span generations.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • High Net Worth Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Vivian Honeycutt is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Vivian Honeycutt is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

Contact Vivian Honeycutt

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Office Locations:

  • 4240 Portsmouth Blvd.
    Suite 434
    Chesapeake, VA 23321

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