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Penny D
CFP®, Series 63, Series 65
Indian Harbour Beach, FL
Financial Planning by Design
Penny Digiovanna is a CFP® professional with nine years of industry experience, currently operating as the sole advisor at Financial Planning by Design. Her prior roles include positions at J.W. Cole Financial, Fidelity Brokerage Services, and Raymond James & Associates. Outside of her advisory work, she owns Wise Penny Consulting LLC, providing non-investment consulting on family governance, financial education, and family transitions such as divorce. Financial Planning by Design is an independent, fee-only firm serving individual and high-net-worth clients through comprehensive financial planning and discretionary investment management. The firm employs a blend of passive and active strategies based on Modern Portfolio Theory and offers tailored planning across various financial areas, including retirement, tax, and estate considerations.
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