Modern Wealth Architecture
Designed for Families With Complex Wealth
Real Estate Fluent. Strategy-Led. Boutique by Design.
Strategic guidance for families navigating complexity, growth, and pivotal financial transitions.
The Virtual Family Office Difference
Complex wealth demands coordination.
We serve as the strategic hub for your entire financial ecosystem — real estate, business entities, tax and legal are all coordinated.
Not a product, not just an investment plan, but a unified architecture for modern wealth.
Many families first seek this level of coordination during pivotal life transitions - the sale of a business, divorce, inheritance, or major real estate decisions.
These moments often expose how fragmented traditional financial advice can be.
We lead with design, coordination, and clear strategy for families whose wealth has outgrown the traditional advisor.
A boutique model.
A limited number of families.
A high standard of strategy and communication.
A firm experienced in handling complexity and 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, or the transition of wealth across generations.
If your financial world feels complex, scattered or underserved by traditional financial services firms - 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 than a traditional advisor can support - often during periods of growth, expansion, or significant life transitions.
Our clients are typically:
High-income Gen X or Millennial wealth builders
Physicians 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
Families coordinating across states, advisors, and assets
Many clients first arrive during a major transition — a business sale, inheritance, divorce, 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.
