Financial planning can be complex and your needs change and be unpredictable. Thinking of retirement or long-term care? Have you decided to downsize or invest? Is it ever too late to plan? Join Robin Norton, Lincoln Investment financial planner, who says it is never too late to plan decisions at any stage of life. Robin will lead a discussion on looking at “the big picture” and this program is free of charge. Please call the Council On Aging (COA) to sign up.