Modern Wealth Architecture.
Designed for Next-Gen Wealth Builders
A Virtual Family Office framework specifically engineered for:
Real Estate Families. Business Owners. Women Wealth Builders.
Real Estate Fluent. Strategy-Led. Boutique by Design.
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 protecting a growing wealth portfolio, navigating an inheritance, life after a divorce, blending families, or making major business or 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 individuals and 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 real estate 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.
We selectively accept a limited number of families annually who require integrated coordination across complex domains:
Next-Gen Families & Wealth Continuity: Gen X and Millennial heirs stepping into complex, multi-entity inheritances who want to protect and scale family assets without operational burnout.
Real estate operators & Families: Active investors with multi-property portfolios, expanding outside ventures, and structures that require advanced coordination.
Closely Held Business Owners: Founders optimizing entity structures managing cash flow efficiency, and liquidity exit events.
Women Wealth Builders: High-earning founders, executives, and sudden-wealth recipients who want an elite, collaborative partner to help them structure their legacy.
Many clients first arrive during a major transition — 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.
