You may be counting on Social Security but if you’re not counting Social Security as a part of your overall asset allocation, you may be missing out on bigger gains in your retirement-savings portfolio. See this article in MarketWatch from the Wall Street Journal by Andrea Coombes:
http://www.marketwatch.com/story/social-security-as-part-of-your-portfolio-2013-08-19
It is definitely smart to talk to your financial advisor and classifying social security as some part of your retirement planning is necessary, since it will be there in some form in the future.
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