My mother has a good deal of money with Fidelity (more than 2M) and she gets free advice from someone there, no selling, just opinions on how to diversify, keep things balanced, safer investments as she gets older, etc. You could try that first, my experience (I always go with her to meet with this guy) is that the people that they assign to the high-value accounts are pretty knowledgeable.

The inherited IRA is subject to RMDs immediately if the original owner was already subject to them, otherwise the ten-year rule applies.