<prompt> Human: My grandfather passed away a few months ago, and no one really in my family has any sort of financial expertise. Im probably the closest to it, but Im dealing with some unknowns that I could use some help on.I suspect the total amount of assets is close to the 4m range. Right now my grandmother has about 40 individual stocks, and probably some other instruments, with a company called Stifel stifel.com. I have no idea what sort of fees she may be being charged, Im having her bring paperwork and am meeting her on Sunday to go over things.My aunt is lobbying hard for her to put money into Thrivent but those expenses look very high.I imagine the best course of action would be to leave the stocks where they are, and possibly move the other financial instruments over to Fidelity or Vanguard, somewhere where there wont be an expense ratio over 0.50, and probably much lower than that.My grandfather was adamant about wanting to avoid any inheritance taxes possible - state is Pennsylvania. I know my grandmother plans on leaving 300k to each of her kids, and lesser amounts for the grandkids. How can this be done to minimize the taxes? Im not sure of all the ins and outs on gift taxesexemptionslifetime limits, etc.Any help appreciated. My grandmother has next to no financial knowledge and I dont want her to get snowed here. If shes fine keeping it where it is for her peace of mind, so be it, but I dont want to see people telling her to move her money to other advisors that they know that are charging ridiculous expenses.  <response>: You should see an estate planning attorney for your estate planning questions. While 4m is well under the federal lifetime exclusion, Pennsylvania may have a lower exclusion. 