If a transferor is concerned about shielding his assets from a creditor, which of the following transfer techniques should he utilize?

1. He should create a testamentary bypass trust.
2. He should transfer his assets to an UTMA for his minor child.
3. He should transfer his assets to a Section 2503(c) minor's trust and name an independent trustee.
4. He should execute a payable on death designation on his bank account.