I saved for my retirement in a traditional tax differed account. Should I have done something different?

In my retirement there were surprises. A huge surprise was that when I started to make withdrawals from my savings, I had to pay taxes on this income.

What I also did not anticipate was that the amount of my income during retirement was going to impact my Medicare charges.

The attached article explains some strategies to address these tax burdens. What is not clear to me is if it is too late ( now that I am retired ) to take advantage of those strategies.

Read the article. If you have any thoughts that might help clarify these issues or help other retirees, please let me know.

www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb