I assume you mean 1.020? And have you properly calibrated your refractometer using something such as pinpoint calibration fluid? (calibration for a saltwater refractometer should ALWAYS be with a solution that is known to be 1.026 (35ppt). Calibrating with RODI or distilled water will give a false reading.
Are you planning on a fish only with live rock (FOWLR), or a coral tank of one sort or another (either soft, LPS, or SPS corals)?
A FOWLR tank can be run with the salinity a bit low - I used to keep mine at about 1.021 without issues. If you are planning on corals, they are a bit more picky. I now keep my tanks (120 display tank (DT) and a 60g frag tank (FT) at 1.025. That allows me a bit of wiggle room should the salinity creep up a bit due to evaporation. The max you should shoot for is 1.026.
You can easily increase the salinity by using saltwater made to the correct level to replace water lost to evaporation. Changes to salinity should always be done slowly. Although most fish will tolerate a relatively large drop, slow is still a good choice. Raising the salinity, however, needs to be done slowly - over a period of days - to allow the livestock to adjust accordingly. This is especially true of invertebrates like shrimp/crabs/snails, and all corals.
hth!