# Penny Digiovanna

> Penny Digiovanna is a fee-only financial advisor at Financial Planning by Design in Indian Harbour Beach, Florida, who holds the CFP credential. Financial Planning by Design reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/penny-digiovanna/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Financial Planning by Design
- **Based in:** Indian Harbour Beach, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $519K across 16 accounts
- **Credentials:** CFP
- **CRD:** 6386723 (https://adviserinfo.sec.gov/individual/summary/6386723)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 63 (2014), Series 65 (2017)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.financialplanningbydesign.com/

## Frequently asked questions

### Is Penny Digiovanna a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Penny holds no broker registration, and Financial Planning by Design reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Penny charge for financial advice?

Penny's firm, Financial Planning by Design, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Penny Digiovanna based?

Penny Digiovanna is based in Indian Harbour Beach, Florida.

### What credentials does Penny Digiovanna hold?

Penny Digiovanna holds the CFP credential.

### Is Penny Digiovanna registered with the SEC?

Yes. Penny Digiovanna is registered as an investment adviser representative in FL (CRD 6386723), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Financial Planning by Design manage?

Financial Planning by Design reports $519K across 16 accounts in assets under management.

### How do I contact Penny Digiovanna?

Through Penny's website, www.financialplanningbydesign.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6386723): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.