NitroZ7 - I agree there is a lot to it.
I think your Father passed away prior to the changes in rules that went into effect January 1, 2020.
If so, your RMD’s can be stretched over longer years and would not fall under the newer 10-year RMD for a non-spouse inherited IRA.
If a person has $1 million in a traditional IRA, at 72 they will have to begin RMD’s and paying tax on the withdrawal. Withdrawals will continue to increase each year, due to life-expectancy table. If a person lives to 85-90 years of age, they will have less concern about taxes on inherited IRA’s. Distributions would have taken and Taxes already paid on a large part of their IRA. Post-IRA-Distributed Funds are like any other inherited asset.
Inherited RMD’s are a greater tax-liability, when parent(s) pass away at a younger age (like your Father).
My head spins when studying RMD requirements for Inherited Roth IRA’s. I think you will fall under the pre-2020 rules.
I know you have a specialist helping you, but this is a good summary.
https://www.schwab.com/resource/youv...rement-account