Modern Wealth Architecture
Designed for Families With Complex Wealth
Real Estate fluent. Strategy led. Boutique by Design.
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 planning.
Not a product, not just an investment plan, but a unified architecture for modern wealth.
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 higher standard of strategy and communication.
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.
If your financial world feels complex, scattered or underserved by traditional financial services firms, 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.
Our clients are typically:
High-income Gen X or Millennial earners
Physicians with expanding real estate and outside ventures
Real estate investors with multi-property portfolios
Business owners managing entities, partners, and cash-flow complexity
Families coordinating across states, advisors, and assets
If you are a wealth builder and your life feels bigger than portfolios, we help you create a system built on strategy, order, and coordination.
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.
