You have most likely heard the phrase “financial planning” before. Right? Are you sure what it means to start or to “do your financial planning? ” Maybe you have even started, or maybe you looked it up online or talked to somebody. Wherever you find yourself, you may find some insight on this Saturday’s “My Smart Retirement” at 10:00 am with Certified financial Planner Nancy Fleming. It just might help you decide what your next step should be.