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 structure, strategy, and guidance to help you move through complexity with greater clarity 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 coordinating hub for family wealth planning, providing a clear and cohesive architecture for your financial life.
We don’t focus only on investments—we help coordinate with your attorneys, CPAs, and other professionals to align the facets of your wealth with care and discipline, from tax and estate considerations to risk management, philanthropic goals, and succession planning.*
As a boutique firm, we intentionally serve a select number of families so every relationship receives focused attention, thoughtful coordination, and a highly personalized experience.
*Financial Planning By Design, LLC is a state-registered investment adviser in Florida. Registration does not imply a certain level of skill or training. We do not provide legal or tax advice. Clients should consult their attorney or tax professional for those services.
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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 the firm.
I founded Financial Planning By Design to guide families through the moments when wealth and relationships intersect and where clarity matters most.
With 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 a framework for aligning wealth with purpose, clarity and harmony over time.
Ideal for families navigating complexity and transition:
✔️ Navigating a Major Transition
We help families and business owners prepare for key life events—business sales, inheritances, and second marriages—with strategic foresight and clear guidance.
✔️ Seeking Family Harmony
For families with complex assets, we offer a path to align shared values, prepare the next generation, and support 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 an organized plan for coordination, management and tax aware decision making.
✔️ Navigating Blended Families
Guidance through sensitive transitions with discretion, clarity, and a designed path forward.
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.
Your Coordinating Hub for Legacy Continuity
Our Virtual Family Office dashboard keeps your plan organized and accessible—it’s your family’s secure client portal and coordination hub, designed to protect what matters most.
We don’t just manage wealth—we help you design and build a system to support it across generations.
