But he can minimize his estate's potential bill during that ten-year window by using some of the same techniques wealthy U.S. citizens use, such as family limited partnerships.
For a start, you can see a real need being met - who hasn't been part of that scrabbling around for cash when you sort out a restaurant bill or try to pay a window cleaner?
Another touchy cost issue: If a financial advisor charges you a percentage of assets under management, he might bill you more for advising on your 401(k) if you use a window.