<prompt> Human: My father passed away a couple months ago and the check just cleared with Fidelity in an Inherited IRA. The account value is 82k and I am 29 years old. I have my own 401k 100k. Because I have to take RMDs starting next year, how should I handle this IRA? Is there anything I should not do? I dont really need the money coming from the RMDs, so my initial plan was just to funnel that right into a Roth IRA after I pay the taxes on it some other inheritance to get to 5500year. Im very new to investing... any advice on what funds I should look into would be appreciated. Im lost.Also: Im expecting another 200-250k after tax from the inheritance. I think its probably wise to see a CFP... should I wait until I have that cash in my account before going, or should I get that ball rolling now?  <response>: If youre not maxing out your 401k contribution you should increase your contribution by at least the amount of your RMD. Your income will stay the same and youll be saving more. For the rest you really have no need to see a financial planner. If you really want a hands off approach just look into BettermentWealthfrontSchwab Intelligent Portfolioone of the dozen or so other ones. Theyll set you up with a good allocation and try to do things tax efficiently based on your goals. If youre willing to do some work you can research low cost ETFs on your own. Good luck, sorry for your loss. I dont know what kind of man your father was but you should also think about blowing a small amount of money on something that would have made him chuckle. 