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.
Our Approach: The VFO Difference
We believe in a different approach to family wealth.
Our Virtual Family Office (VFO) model is designed to be your central command for legacy continuity, providing a clear and cohesive architecture for your financial life.
We don’t just manage investments; 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 a highly personalized experience.
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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.
Meet Penny Di Giovanna, CFP®, CDFA®, AAMS®
Founder & Family Wealth Strategist, 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.
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.
We focus on helping families navigate complexity and transition. Our signature process, The Blueprint provides the structure for aligning wealth with purpose, clarity and long-term harmony.
Ideal for families navigating complexity and transition:
✔️ Navigating a Major Transition
We guide families and business owners through key life events—business sales, inheritances, and second marriages—with strategic foresight and clear guidance.
✔️ Seeking Family Harmony
For families with complex assets, we provide a clear path forward for aligning shared values, preparing the next generation, and protecting family unity.
✔️ Who Are Building a Business or Legacy
We focus on working with private business owners, entrepreneurs, and professional practices to integrate their business and personal wealth for long-term continuity.
✔️ With Complex Real Estate Assets
For families with multi-property portfolios or generational real estate, we help design a clear plan for strategic coordination, management and tax alignment.
✔️ Navigating Blended Families
Guidance through life’s most complex transitions with discretion, clarity, and a clear financial path forward.
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.
