Fellow Forbes contributor Kate Ashford wrote an article on Friday, “How To Plan (Or Not Plan) For Social Security In Retirement,” that confirms what most of us already sense: there’s no easy way to figure out how to incorporate Social Security into our retirement plans when there is no certainty around the system’s future. She cites financial planners who advise their clients to assume that Social Security benefits will be two-thirds, or even only as much as one-quarter, of today’s benefits, or who don’t even build Social Security benefits into the client’s retirement plan at all, treating it as bonus income, should it materialize.