Penny Giovanna
Penny Giovanna is a CFP-designated registered investment advisor at Financial Planning by Design, based in Indian Harbour Beach, FL, with 9 years of industry experience. Penny operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Business Owners, Estate Planning, Financial Planning & Coaching, High Net Worth, and 4 more. Their firm serves 6 clients with $520K in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.25% |
| $500K - $1.0M | 1.00% |
| $1.0M - $5.0M | 0.80% |
| $5.0M - $10.0M | 0.70% |
| $10M+ | 0.70% |
Fees negotiable for accounts over $10,000,000.
Fee Estimator
Location
Indian Harbour Beach, FL
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Penny is the owner/consultant of Wise Penny Consulting LLC, operating as Beyond Divorce Solutions, consulting on financial issues of divorce. Penny is also an independent agent selling and servicing fixed insurance products, dedicating a few hours per week to each activity.
Employment History
Current Registrations
Financial Planning by Design
Previous Registrations
J. W. Cole Advisors, INC.
J.W. Cole Financial, INC.Broker
Semmax Financial Advisors, INC.
J. W. Cole Advisors, INC.
J.W. Cole Financial, INC.Broker
Fidelity Personal and Workplace Advisors
Fidelity Brokerage Services LLCBroker
Raymond James & Associates, INC.
Raymond James & Associates, INC.Broker
Tsa Management INC
Halliday Financial, LLCBroker
Cetera Financial Specialists LLCBroker
Wells Fargo Advisors, LLCBroker
State Registrations1 state
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.