Inheriting pre-tax money can also drive up income in retirement since inherited IRAs have a 10-year window to be fully distributed. In other words, the full amount of the inherited IRA will be added to the beneficiary’s income within 10 years. (And, if you need help managing your income streams in retirement, this tool can help you match with a financial advisor .)Many retirees who earned a healthy salary and did a great job saving are surprised to find that their income may actually increase in retirement. ...