I have be read Kiplinger 's Retirement Report for over 10 year now and have enjoy almost every issue . they start put ad in a few year ago , but it do not take away from the content . I do not read ad anyway . and there be not a lot of card fall out all over the place like a lot of other publication . now , the content I find to be quite timely and interesting , even if it do not pertain to my situation . I often find article that might help other out and suggest they to that person . if you be at a crossroads in you life between work and retire , this be the magazine for you . it be write for people who be retire . not go to retire , but already retire . always good topic on manage you finances to health to invest and even on retirement living . overall a 5 star publication .