Workers who are at least 20 years away from retiring may not want to include Social Security benefits in their retirement planning, even though it's likely the benefits will continue in some form for decades to come, says Robert Henderson of Lansdowne Wealth Management. "A lot of things can change with Congress and our economy over 20-plus years. In addition, a lot of things can change with individuals' circumstances, like how much they work, how much they earn and the types of jobs they have," he says.

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