Craig Wear, CFP, walks through whether to keep an inherited IRA as-is or withdraw it sooner. If you're not the spouse and lack exceptions, pulling it out early and redistributing the money might fit your financial plan better than taking taxable distributions over time.
Sometimes depending on the size of the inherited ira. Sometimes you just leave the inherited IRA there and realize that it's just taxable income that's going to have to come in. If, on the other hand, it's a very large inherited IRA and you are not the spouse and you don't qualify for some of these exceptions, then you also want to think about now, do I need to go ahead and get the money out of the inherited IRA sooner rather than later and redistribute it in other ways in my financial life that will help me better.
