Social Security is a safety net many hardworking Americans depend on when they get ready to retire, but just as the baby boomer generation is reaching that stage, experts are expressing concern they could be in for a surprise.

Roger Roemmich, Chief Investment Officer of ROKA Wealth Strategies, whose new book is Don't Eat Dog Food When You're Old, is one of them.

"I think Social Security will survive, but I believe they will have to change the system. Social Security and Medicare are currently taking over 40 percent of the federal budget. How radically they change it depends on several variables," he told BenefitsPro.com.

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