Your Family Wealth Blueprint
We guide families of significant wealth through life’s defining transitions — business sales, inheritances, second marriages, and other complex changes — with clarity and intention.
Transitions aren’t just financial events. They reshape relationships, values, and the future of your family. Our Family Wealth Blueprint provides the structure, strategy, and guidance to move through complexity with confidence and continuity.
Meet Penny Di Giovanna, CFP®, CDFA®, AAMS®
Founder & Wealth Planner, Financial Planning By Design
Hear Penny’s “why” for founding our firm.
I founded Financial Planning By Design to guide families through the moments when wealth and relationships collide—and where clarity matters most. I build structures built for harmony, not just numbers.
With decades of experience across financial planning, real estate, and life transitions, I act as a financial architect—helping clients design a structure that reflects their values and supports what comes next.
I believe in quality over volume. That’s why we intentionally serve a select number of families—providing a highly personalized, concierge-level experience built on deep relationships and seamless execution.
At Financial Planning By Design, we take a different approach.
We don’t just manage investments—we design a financial architecture that supports your family’s legacy with clarity, precision, and intention.
Through our Virtual Family Office model, we coordinate every facet of your wealth with precision and care—from tax and estate planning to risk management, philanthropic giving, and succession strategies.
As a boutique firm, we intentionally serve a select number of families to ensure every relationship receives deep attention, seamless coordination, and highly personalized service.
We work with families navigating complexity at the $5M+ level—whether you’ve already built substantial wealth or are actively on the path toward it.
Through our signature process, The Blueprint, we create clear, multi-generational plans that align every piece of your financial life with purpose.
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Your Financial Life, Fully Coordinated
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Your never a number. You’re a client for life.
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Wealth should serve a purpose, in alignment with our values.
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A carefully curated and comprehensive strategy designed for you.
We focus on guiding multi-generational families and complex business owners through The Blueprint—our signature process for aligning wealth with purpose, clarity, and long-term family harmony.
Ideal for families navigating complexity and transition:
✔️ Multi‑Generational Families
Navigating succession, shared values, and preparing the next generation with confidence and care.
✔️ Complex Business Owners
Privately held companies, professional practices, and entrepreneurs with multi-entity structures and legacy goals.
✔️ Physicians and Medical Families
Balancing demanding careers, complex practice structures, and family needs within time constraints.
✔️ Families with Significant Real Estate Integration
Multi-property portfolios, generational assets, and real estate-intensive wealth plans requiring strategic coordination.
✔️ Family Governance Facilitation
Creating clarity, trust, and communication across generations—helping families define roles, articulate shared values, and make intentional decisions together.
✔️ Divorce Financial Planning & Blended Families
Guidance through life’s most complex transitions with discretion, clarity, and strategic foresight.
Insights from The VFO Desk
Penny Di Giovanna, CFP®, CDFA®, has been quoted in leading outlets such as Bloomberg Wealth and Kiplinger, sharing insights on strategic wealth planning. See Media Mentions section of your insights page for the full stories.
Your Central Command for Legacy Continuity
Our Virtual Family Office dashboard keeps your plan alive and accessible—it’s your family’s secure coordination hub, designed to protect what matters most.
We don’t just manage your wealth—we help you design and build the system to protect it for generations.
Introducing Family Governance Facilitation
Legacy is more than assets—it’s alignment. We help families align values, define roles, and build generational cohesion through intentional governance.
