Personalized Wealth Management to Design Your Life of Significance
Serving real estate families, business owners, and private practice physicians through The Blueprint - our high-touch Virtual Family Office model.
At Financial Planning By Design, we take a different approach.
We don’t just manage investments—we design a comprehensive, values-driven strategy for your entire financial life. Through our Virtual Family Office model, we coordinate every aspect of your wealth with precision and care—from tax and estate planning to risk management, philanthropic giving, and succession strategies.
As an independent boutique firm, we intentionally serve a limited number of families to ensure each client receives the depth of attention, personalized service, and long-term partnership they deserve.
We work with families navigating complexity at the $10M+ level—and those on the path toward it. Through our signature process, The Blueprint, we deliver cohesive planning that aligns every piece of your financial life with purpose and clarity.
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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.
Who We Serve
We specialize in guiding a select group of clients through The Blueprint — our signature process for aligning wealth with purpose.
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Real Estate Families & Investors
You’ve built wealth through real estate. Now let’s build the financial structure to match—with integrated planning for liquidity, tax strategy, and long-term legacy.
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Entrepreneurs & Business Owners
Whether you're scaling, exiting, or building generational value, we help turn business success into personal financial freedom—strategically and tax-efficiently.
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Physicians in Private Practice
As a physician in private practice, you're balancing clinical care and business ownership. We help you protect your time, optimize income, and prepare for life after medicine—with clarity and confidence.
Meet Penny Di Giovanna, CFP®, CDFA®, AAMS®
Founder & Wealth Planner, Financial Planning By Design
I founded Financial Planning By Design to serve individuals and families with layered financial lives—those who want more than investment advice. They want clarity, intention, and a relationship built on trust.
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.
I believe in quality over volume. By intentionally limiting the number of families we serve, I’m able to provide a highly personalized, concierge-level experience—one built on deep relationships and seamless execution.
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.
Timely insights and strategic perspectives to help you design, protect, and transfer wealth—intentionally.
Design. Organize. Build A Legacy That Lasts
Our Virtual Family Office Dashboard
A secure, centralized space to design and organize your financial life today while laying the foundation for tomorrow.
This custom dashboard is part of The Blueprint, our signature Virtual Family Office framework that keeps your entire financial life aligned and accessible.
Think of it as your Virtual Family Estate Organizer, tailored to help you structure, protect, and share the most important pieces of your wealth strategy.
We don’t just manage your wealth—we help you design and build the system to protect it for generations.
