People often pay more in taxes than expected because a confusing system treats various income types differently, and contains hidden taxes and penalties.  Because your tax exposure will change during retirement, you need a tax strategy that will: 

1. Anticipate how and when you tap your assets to cover your personal expenses,
2. Understands the range of taxes you will face at various stages, and  
3. Manages your actions so you pay as low a tax rate as possible.