I figured I blew it on taxes in my first year of retirement and I did. Had some penalties on both the state and federal.

A couple of things got me (besides being careless):
1. Tons of interest - From a lot of cash waiting to buy a house and earning closer to 5% instead of 1%.
2. RMDs on inherited accounts - I thought I had enough withheld but I guess not
3. Roth Conversion - again I thought I had enough but apparently not
4. Pension - Initially I thought taxes were being withheld on both state and fed level but only the fed was. I eventually caught it.

This year I'm assuming 5% interest on all cash/treasuries I have.
Estimating dividends.

Then paying quarterly and hopefully this will work out better.

When I get a chance I'll look through the tax forms my CPA did and see what mistakes I made.

Rich