Advisor at Financial Planning by Design
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Financial Planning by Design
Location
Indian Harbour Beach, FL
Credentials
CFP®, Series 63, Series 65
Industry experience
9 years
Penny Di Giovanna is a CERTIFIED FINANCIAL PLANNER™ professional with nine years of industry experience. She is the principal of Financial Planning by Design, an independent, fee-only registered investment adviser. Prior to founding her firm, she held roles at J.W. Cole Advisors, Fidelity Brokerage Services, and Raymond James & Associates. She also owns 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 serves individual and high-net-worth clients through comprehensive financial planning and discretionary investment management. The firm uses a combination of passive and active strategies based on Modern Portfolio Theory and offers tailored planning across various financial areas, including retirement, tax, and estate planning.
Based on Financial Planning by Design
Based on Financial Planning by Design
Initial setup fee for Ongoing Financial Planning up to $20,000; Project-Based Financial Planning fixed fees $2,500 to $30,000; Educational Seminars $1,000 to $10,000
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.80% $5,000,001 - $10,000,000: 0.70% $10,000,001+: Negotiable
Project-Based Financial Planning hourly rate of $250
Account minimum: $250,000 (may be reduced or waived on a case-by-case basis) Fee-only: Ongoing Financial Planning: monthly fixed fees $250 to $1,667; Project-Based Planning: fixed fees $2,500 to $30,000 or $250/hour; Educational Seminars: $1,000 to $10,000 per seminar
Indian Harbour Beach, FL
Florida
Financial Planning By Design LLC
2023 - Present (3 years)
J.W. Cole Advisors, Inc.
2022 - Present (4 years)
J.W. Cole Financial, Inc.
2022 - Present (4 years)
Semmax Financial Advisors, Inc.
2021 - 2022 (1 year)
J.W. Cole Advisors, Inc
2021 - 2021 (1 year)
J.W. Cole Financial, Inc
2021 - 2021 (1 year)
Fidelity Brokerage Services
2020 - 2021 (1 year)
Raymond James & Associates
2018 - 2020 (2 years)
Ascendia Real Estate
2017 - 2020 (3 years)
Halliday Financial, LLC
2017 - 2018 (1 year)
London Bay Homes
2016 - 2017 (1 year)
Century 21 Ocean
2016 - 2016 (1 year)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
CFP®, ChFC®
Melbourne, FL
Financial Analytics, LLC
CFP®, Series 63, Series 65
Indialantic, FL
Zonka & Associates, Inc.
CFP®, ChFC®
Satellite Beach, FL
Kaul Financial Solutions
ChFC®, Series 63, Series 65
Melbourne, FL
Critical Mass Financial, LLC
Series 65
Indialantic, FL
Seven Pines Capital, LLC
CFP®, ChFC®, Series 63
Melbourne Beach, FL
Intrepid Wealth Partners, LLC
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")