Choosing the best option when inheriting an IRA is best done with the advice of an estate planning attorney or financial advisor.

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Today, the financial planning industry has created a model where the advisor and client sit on the same side of the table with fee-based asset management rather than commissions for trades.

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Tax advice and estate planning are two examples of financial advice where an advisor or planner can add real value.

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Although it may seem like a secret, real financial planners are to be found, and a good starting point is the advisor search on www.napfa.org, the financial planning association with the highest continuing education requirements and a no-commission mandate.

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