Most people think estate planning just means having a will. Here's what a complete plan actually includes - and why it matters.

Losing a loved one is hard enough without a stack of financial paperwork landing on your desk a few weeks later. If you've inherited an IRA, the decisions you make in the months ahead can affect your tax bill, so it's worth understanding your options before you act. The rules, while a bit tangled, boil down to one main question: what type of beneficiary are you? Spouses Get the Most Flexibility If you've inherited an IRA from your spouse, you have the most choices. You can ro