Social Security is based on a simple idea: pay for retirement benefits through payroll taxes levied on workers and employers.

But that's where the simplicity ends. Prospective retirees need to consider how to maximize their benefits and those of their spouses. Even the age when benefits are first collected has a great impact on how much is received each month.

Here are a few tips from the Social Security Agency website and Shepherd Financial Partners, a Winchester, Mass., firm, that spotlight some of the points an advisor needs to communicate to clients planning retirement.

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