“For the vast majority of people, the issue of how to save, invest and spend in retirement is the hardest, nastiest problem in finance.”

Congress hasn’t made this tough problem easier. When lawmakers can agree at all, they layer poorly drafted law upon law, leaving both the Internal Revenue Service and savers to confront a maze of confusing provisions.

As a beneficiary, how should you navigate these waters? Asking a few key questions can help ensure that you make the right choices in line with your values and life situation.

Ask these questions for an inheritance of any size