When it comes to retirement planning, a significant number of Americans continue to be completely unsure about when they can and should retire, as well as how much money they'll need when they decide to stop working — at least on a full-time basis. After all, many Americans opt to continue working at least a few hours a week even after they retire. Some do it to remain active and avoid boredom, or just to make sure they don't drive their spouses nuts. But all too many Americans continue to work after retirement because they have to — often because they failed to save enough money for retirement. Therefore, it didn't come as a huge surprise that when we asked advisors what the number one question they got from clients regarding retirement planning was and how they responded, several of the advisors who responded told us their clients most often asked variations on the same basic questions. Visit the slideshow gallery above to see, in no particular order, the top 11 retirement planning questions clients ask and how advisors answer them. Some answers have been edited for length. READ MORE: Two blue-collar industries beat white collar for retirement readiness Americans most upbeat on retirement in almost 20 years 10 best practices for retirement plan fiduciaries