In the middle of ever-circling evaluations of Americans' preparedness for retirement, a theme that's slipped below the surface is the still very valid role that Social Security can play: It hasn't gone away yet, experts note, and maximizing on its benefits can be an extremely valuable part of a larger retirement plan.

Such was part of the discussion Monday morning as National Retirement Planning Week began with a state of the industry overview from industry leaders, ranging from the EBRI and the GAO to major companies such as Lincoln Financial, BlackRock and Allianz.

All parties involved agree that Americans at every level certainly need all the resources possible to help energize, focus and effectively plan for what is now, statistically, promising to be a very long retirement.

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