Privacy Policy & Disclaimer

Privacy Policy

At Financial Planning By Design LLC (“FPBD”), our relationships with current and prospective clients are built on integrity and trust. We place the highest value on the information you share with us and are committed to maintaining your privacy. FPBD does not sell client information. We will not disclose your personal information to anyone unless required by law or with your explicit consent.

We want you to clearly understand what information we collect, how we use it, and how we protect your personal information.

Why We Collect Your Information

We gather information to:

• Provide investment management and financial planning services

• Design and implement strategies aligned with your financial goals

• Comply with applicable federal and state laws and regulations

What Information We Collect

We may collect the following types of nonpublic personal information:

• Information you provide during meetings, forms, or consultations (name, address, social security number, date of birth, financial information)

• Information generated in the course of servicing your account

• Information received from third parties involved in your financial planning (e.g., custodians, attorneys, accountants)

What Information We Disclose

We only disclose nonpublic personal information as permitted by law or with your authorization. FPBD may disclose your information to:

1. Third parties who assist in managing your account (e.g., custodians such as Altruist, Schwab, Fidelity; sub-advisers; record keepers)

2. Service providers engaged for administrative support (e.g., CRM platforms, archiving vendors, cloud services)

3. Your authorized representatives or powers of attorney

4. Parties with your prior written consent

5. Parties involved in a potential or actual sale, merger, or transfer of our business

6. Other disclosures as permitted or required by federal and state regulations

If FPBD makes any future changes that would allow broader sharing of your information, you will be provided advance notice and an opportunity to opt out.

Note: FPBD is a fee-only fiduciary. We do not sell insurance products or receive commissions. Insurance advice is provided on a planning-only basis, and implementation is coordinated through third-party professionals with no compensation to FPBD.

How We Protect Your Information

We restrict access to your personal information to team members and service providers who need the information to perform their responsibilities. FPBD uses physical, electronic, and procedural safeguards to protect your confidential information.

All service providers and independent contractors engaged by FPBD are required to maintain confidentiality and safeguard client information.

Former Clients

Our privacy commitment continues even after our advisory relationship ends. We retain client records as required by law and continue to safeguard your information according to this Privacy Policy.

Contact Us

If you have any questions about our Privacy Policy, please contact:
Penny Di Giovanna
Chief Compliance Officer
(321) 999-7250