Victoria Lloyd, Esq., Founder and Principal

Everyone deserves the right to be physically, emotionally, and financially safe as they age. Victoria’s direct experience with seniors and vulnerable adults has shown there are times when intervention is necessary to keep people safe.  Her goal is to provide neutral, trustworthy third-party services that are comprehensive, yet tailored to each client’s needs.


Victoria Lloyd is an attorney and former educator passionate about protecting vulnerable populations. She has combined her legal and educational skills to meet the needs of individuals wishing to engage a third-party neutral to serve as a guardian, fiduciary, or care advocate. In addition, she offers a variety of trainings to financial institutions, state agencies, and private citizens on how to prevent and mitigate financial exploitation and abuse of vulnerable populations.

Athena Advocacy grew out of years of experience working with vulnerable adults that highlighted a gap in services from a neutral, trustworthy, and professional third-party. Her business provides fiduciary services, guardianship, care advocacy, expert testimony, and trainings for the private sector, law enforcement, and other public agencies. Prior to launching Athena Advocacy, she was an investigator for the State of Vermont Adult Protective Services (APS) and specialized in financial exploitation. She handled hundreds of cases of alleged financial exploitation of vulnerable adults, filing motions to intervene with Vermont Probate Courts to remove fiduciaries (agents or guardians) from their positions, and issuing findings that placed many of those perpetrators on the Vermont Adult Abuse Registry. She has testified as an investigator in civil and criminal cases, worked closely with law enforcement at the state and federal levels to bring criminal charges where warranted. In addition to her duties as an APS Investigator, she participated in the Elder Justice Working Group lead by the United States Attorney’s Office for the District of Vermont.


In 2011, Victoria founded, and currently chairs, Vermont’s Financial Abuse Specialist Team, also known as FAST of Vermont. FAST of Vermont’s mission it to prevent and mitigate financial exploitation with its multidisciplinary team of members from the public and private sector. She also founded FAST of America in 2015, a hub of nationwide practitioners working to prevent and mitigate financial abuse through capacity building and the sharing of resources.  More information is available at


Victoria volunteers at her son’s school and enjoys being a chaperone on field trips. 

AWARDS for Vermonter of the Month 2019

Certificate of Appreciation
for Speaking at the Financial Crimes Workshop

Commissioner's Award for exemplary public service



Vermont Bar Journal Article Hiding In Plain Sight