No disrespect intended but from the ?’s you ask indicate you can and will be guided in the wrong direction due to a lack of solid unbiased “knowledgeable” info.
This aint the place
You need to spend a few bucks on a CPA schooled in IRA and Retirements.
“Ed Slot” has a web sight that will/may head you in the right direction?
USAA (all us Military types love them) has a financial planning wing of the organization that may guide you for free.
You owed nothing on the inheritance from the sis and will not going forward unless it was in an IRA. If so than you’ll need guidance.
I appreciate the advice.