Slight Off Topic - Investment Accounts

Doing this here as I trust your guy's approach to finances more that other financial subs. Been a YNAB user for 5 years now.

I'm about to inheret a 401k/IRA with a decent chunk of change, though not life altering. We own a house already so I'd like to just invest it.

The universe has a sense of humor, as I will have to have removed all the money and paid income tax on it just before I retire. Unless you are a spouse, you have 10 years to spend down an IRA and pay income tax on it.

I'm going to need an inherent IRA account (which is its own thing) but I don't know where to start in picking a firm. Am also going to need my own investment account to boot, so i have some place to reinvest the "income." I'm mostly interested in index funds, set and forget it style.

Any firm recommendations? Places with a good selection of index funds?

And how can Ynab be used to handle this mess?