Dealing with the death of a loved one is hard enough. Having to navigate the complexities of inherited retirement accounts can add to that stress. But understanding your options can help you avoid a big tax bill — particularly if you inherit a substantial amount of money. Take Becka, a hypothetical married mother of three who inherited her mom’s individual retirement account (IRA). She needs to take a required minimum distribution (RMD) of $10,000 in 2025, but there’s no cash in the account; it's a blend ...