Penny Di Giovanna is a CFP® with nine years of industry experience. She is the principal advisor at Financial Planning by Design, an independent firm she founded in 2023. Prior to this, she held positions at J.W. Cole Advisors, Fidelity Brokerage Services, and Raymond James, among others. In addition to her advisory work, she operates Wise Penny Consulting LLC, which provides non-investment consulting services related to family governance, financial education, and family transitions, including divorce. Financial Planning by Design is a fee-only, independent registered investment adviser serving individual and high-net-worth clients through comprehensive financial planning and discretionary investment management. The firm utilizes 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.