Modern Wealth Architecture
Designed for Business Owners and Real Estate Families Navigating Major Financial Decisions
Real Estate Fluent. Strategy-Led. Boutique by Design.
Whether you are preparing for a business sale, managing significant real estate holdings, navigating divorce, receiving an inheritance, or facing another major transition, we help coordinate the financial, tax, estate, and investment decisions that shape what comes next.
The Coordinated Wealth Difference - Our VFO Framework
As your wealth grows so does the complexity of the decisions that shape it.
We help coordinate the moving parts of your entire financial life integrating real estate, business interests, tax planning, legal considerations and investments.
Many families first seek this level of coordination during pivotal life transitions such as a business sale, divorce, blending families, inheritance, or major real estate decisions.
These moments often expose the risks of fragmented advice and the need for a clear strategic plan to bring it all together.
We lead with design, coordination, and clear strategy for families whose wealth has outgrown a more conventional approach.
A boutique model serving a limited number of families.
A high standard of strategy and communication.
A firm designed to help you navigate complexity and important life transitions.
Meet Penny Di Giovanna, CFP®, CDFA®, AAMS®
Founder & Wealth Strategist, Financial Planning By Design
Hear Penny’s “why” for founding the firm.
Why Families Choose FPBD
Most advisors focus on investments. We believe your life is bigger than just a portfolio.
Financial Planning By Design works with families whose wealth is built on income, real estate, entities and opportunity.
Much of the financial complexity emerges during pivotal financial moments — a business exit, a major real estate decision, family dynamics such as divorce or the transition of wealth across generations.
If your financial world feels complex, scattered or underserved - particularly during major financial decisions - we get it. We’ve sat in your seat. This where everything becomes clear and coordinated.
Your financial life fully designed.
Who We Serve
We work with modern families whose financial lives have grown more complex and need specialized support - often during periods of growth, expansion, or significant life transitions.
Our clients are typically:
High-income Gen X or Millennial wealth builders
Families with expanding real estate and outside ventures
Real estate investors, particularly active operators with multi-property portfolios
Business owners managing entities, partners, and liquidity events
Blended Families integrating family portfolios & assets
Many clients first arrive during a major transition — a business sale, inheritance, divorce, executive comp or significant real estate decision — when thoughtful coordination becomes essential.
Insights from The VFO Desk
Penny Di Giovanna, CFP®, CDFA®, has been quoted in outlets such as Bloomberg Wealth and Kiplinger, sharing perspectives on strategic wealth planning. See Media Mentions on the Insights Page.
Featured
The Family Wealth Blueprint Podcast hosted by Penny. Conversations on the realities of complex, modern wealth. Listen to the full archive here or below.
Virtual Family Estate Organizer
Your financial world, organized.
A secure comprehensive system that consolidates your documents, entities, accounts, real estate and key contacts making everything accessible, coordinated and up to date.
Clarity creates confidence. Organization sustains it.
