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Penny Di Giovanna (AAMS, CDFA, CFP®)

Penny Di Giovanna focuses in the
following client markets or areas of practice:

  • Alternative or Private Investments
  • AUM
  • Business Owners
  • Charitable Giving
  • Corporate Executives
  • Divorce Planning

Planning Specialties

Comprehensive ongoing financial planning

Investment Management

Divorce Financial Planning

Widow's Advisory Services

Inheritance and sudden wealth guidance

Women executives and female founders

Private wealth services

Tax Planning

Estate planning

Philanthropic and charitable gifting

Additional Information

Penny Di Giovanna is the founder of Financial Planning By Design, a fee-only financial planning firm focused on helping families and individuals navigate complex financial decisions with clarity and confidence.

Her work often involves coordinating financial decisions related to real estate portfolios, business interests, inheritance, divorce and other significant life transitions. Penny helps evaluate her clients financial decisions within the context of their broader goals, family relationships, and long-term legacy. She believes effective financial planning involves coordination and understanding of how tax, legal, insurance, business, real estate holdings, and family dynamics all work together over time.

As a CFP® and CDFA® professional, Penny brings a structured and analytical perspective to complex planning situations while maintaining a highly personalized client experience. Penny works with a select number of clients allowing her to provide a high level of attention, communication, and ongoing guidance that complex wealth planning often requires.

NAPFA Start Date

May 29, 2026

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Disclaimer: Limitations. This list only serves as a resource to assist an individual in identifying a potential advisor for their review and consideration. The appearance of an adviser on the list is not endorsement by NAPFA of that advisor's services. There can be no assurance that you will experience a certain level of results or satisfaction if you engage a listed advisor. Except for the NAPFA membership fee, the listed advisor did not pay NAPFA a separate fee to appear on the list.
Visit Website Download vCard
Disclaimer: Limitations. This list only serves as a resource to assist an individual in identifying a potential advisor for their review and consideration. The appearance of an adviser on the list is not endorsement by NAPFA of that advisor's services. There can be no assurance that you will experience a certain level of results or satisfaction if you engage a listed advisor. Except for the NAPFA membership fee, the listed advisor did not pay NAPFA a separate fee to appear on the list.

This Office

Call for an Appointment Indian Harbour Beach, FL 32937 Phone: (321) 999-7250
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