<?xml version='1.0' encoding='ISO-8859-1'?>
<tocdata>
	<book name="Social Security" >
		<item name="Social Security Income and Benefits" url="tips/Retirement/SocialSecurity/KWSSI.htm" >
		</item>
	</book>
	<book name="IRAs, Roths, and Other Plans" >
		<item name="Individual Retirement Accounts (IRAs)" url="tips/Retirement/IRAs/KWIRAs1.htm" >
		</item>
		<item name="Early-Withdrawal Penalty: Traditional and Roth IRAs" url="tips/Retirement/IRAs/KWIRAs2.htm" >
		</item>
		<item name="Nondeductible IRA Contributions" url="tips/Retirement/IRAs/kf8606.htm" >
		</item>
	</book>
	<book name="Retirement Distributions" >
		<item name="Pensions and Annuities" url="tips/Retirement/Distributions/KPENSION.htm" >
		</item>
		<item name="Early-Withdrawal Penalty: Traditional and Roth IRAs" url="tips/Retirement/IRAs/KWIRAs2.htm" >
		</item>
		<item name="Payments from Pensions and IRAs" url="tips/Retirement/Distributions/kf1099r.htm" >
		</item>
	</book>
	<book name="Penalty and Taxation" >
		<item name="Pensions and Annuities" url="tips/Retirement/Distributions/KPENSION.htm" >
		</item>
		<item name="Early-Withdrawal Penalty: Traditional and Roth IRAs" url="tips/Retirement/IRAs/KWIRAs2.htm" >
		</item>
		<item name="IRA and Retirement Plan Penalties" url="tips/Retirement/Penalty/kf5329.htm" >
		</item>
		<item name="Taxation of Retirement Benefits" url="tips/Retirement/Distributions/KPENSION.htm" >
		</item>
	</book>
</tocdata>
