Your Blueprint for Multi-Generational Wealth
Designed for Families, Business Owners, and Professionals with Complex Planning Needs
We guide multi-generational families, business owners, and professional services leaders through succession, family wealth coordination, and long-term planning with precision and care—delivered through our boutique Virtual Family Office model.
At Financial Planning By Design, we take a different approach.
We don’t just manage investments—we design a financial architecture that supports your family’s legacy with clarity, precision, and intention.
Through our Virtual Family Office model, 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 highly personalized service.
We work with families navigating complexity at the $5M+ level—whether you’ve already built substantial wealth or are actively on the path toward it.
Through our signature process, The Blueprint, we create clear, multi-generational plans that align every piece of your financial life with purpose.
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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 multi-generational families and complex business owners through The Blueprint—our signature process for aligning wealth with purpose, clarity, and long-term family harmony.
✔️ Multi‑Generational Families
✔️ Complex Business Owners
✔️ Families with Significant Real Estate Integration
✔️ Divorce Financial Planning & Wealth Transitions
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. That’s why we intentionally serve a select number of families—providing a highly personalized, concierge-level experience 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.
Featured
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—designed to help you structure, protect, and seamlessly share the most important pieces of your family’s wealth strategy.
We don’t just manage your wealth—we help you design and build the system to protect it for generations.
