<prompt> Human: My father recently passed away suddenly after a cancer diagnosis. Thankfully, being the intelligent and wise man my father was he left our family with an assortment of Traditional IRAs, Roth IRAs and some mutual funds to take care of mom until I can get through school and start supporting the family. I have a few questions that I think you guys could answer...I am in NY stateMy main goal in all of this is to try and work out a way to get monthly income for mom so shes taken care of and in order to pay the mortgage and car loan payments.1. The traditional IRAs and Roth IRAs in dads name had mom as the beneficiary, would it be wise to roll them over into moms name or should she cash them out? The issue is that mom needs cash now but I dont want to make a mistake that could cost us 30 of the IRA...2. What sort of professional should I seek help from in order to get this straightened out? A financial counselor or a banker or an accountant or someone else that I have never heard of?Thank you  <response>: Depending on kids ages, also look at: How Social Security Can Help You When a Family Member Dies? and Benefits for Children 