There's a good chance Social Security will play an important role in your retirement finances. Of course, in an ideal world, you'll be coming in with savings of your own, too. But because Social Security guarantees you a monthly paycheck, it's important to know how to maximize those benefits. With that in mind, here are three Social Security secrets it pays to know in the course of your retirement planning.

Social Security doesn't pay all retirees the same monthly benefit. Rather, the amount of money you're entitled to will hinge on your specific income history.

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Source Fool.com