What is the best way to go about putting inherited stock into a Roth? My friend has no Roth account and some stock they inherited. I told them they should just start a Roth with the current brokerage the stocks are in and do a In-Kind Transfers equal to the maximum amount (7k) and save up some money to pay the tax bill. Is this the best approach? They're afraid it's not worth paying taxes on the transfer even though I expressed that its better to pay the taxes now and have a maxed Roth every year.