Recently, the Fernandina Beach Rotary Club enjoyed hearing from one of its own -- Ron Heymann, a Certified Financial Planner with Davis Capital Management. Heymann, who titled his presentation "Financial planning in 20 minutes or less," first dispelled what he said was a common myth: Programs like Social Security and Medicare or a pension are adequate financial resources to get us through retirement, so we don't need to invest our money. Heymann said everyone should have a financial plan, whether to help address a specific financial situation or to encompass lifetime goals. He then outlined key elements everyone should implement in their financial planning: Look closely at your budget to see where your money is going; determine what your financial goals will be in five to 10 years and beyond; and, decide what you are willing to do to achieve those financial goals.