<prompt> Human: This is my first time in the personal finance subreddit, so please pardon me since Im still green behind the ears. My mother recently passed away at the age of 60, leaving my father the primary beneficiary, aged 60 a decent pension income, decent life insurance benefits, and her retirement accounts. She has a 401k and as well 2 x 457 accounts from different employers and one 403 a account, all amount to about 600,000 from what I understand it is all qualified money. My father 65y and I I am the only child are not savvy about retirement options, but so far what we see is he has a decent income from social security as well as from the life insurance from what weve gathered its best to start using the life insurance money as it is tax free inheritance.The two questions I have are:1 What options does my father has with the money from the retirement benefit accounts 401k, 403a, 2xs 457b in such a way that it keeps growing annuity, mutual funds, etc, preferably in a tax deferred, non-aggressive way.2 How to invest this money so that when I inherit Im the primary beneficiary the money such that I minimize taxation on my mothers hard earned money.TL;DR - mother passed away, father inherited 600,000 in qualified money, which I, the only son will inherit. Whats the best way for legacy planning in this situation to reduce taxes.Assistant: Rules regarding inherited retirement accounts get very tricky very fast - you would probably be well-served seeking the assistance of a fee-only, fiduciary financial planner that you can pay to come up with a plan for you. It should not cost you more than a few hundred dollars, which is a pittance compared to the costs of doing it wrong and winding up with a huge tax bill.Human: Thanks. Until I find a reputable, good financial planner in the Atlanta area, is it safe to consolidate all this money into my fathers Traditional IRA temporarily?  <response>: Dont do anything until you have spoken with a fiduciary. 