I ended up shifting my inheritance to a local advisor; I understand the ability to invest in low cost index funds, and I do so with my Roth and a brokerage account. I took my inherited IRA and inherited Roth and transferred them to that advisor. I guess my thinking is....my mom didn't get to live to retire. My dad was retired for five months. A family history would tell me that I may not live to 120 (though both my mom's parents are still alive, my dad's mom lived to 76 and his dad to 91). I want to be a responsible steward of the retirement funds they didn't get to spend (my brother and I split these).