Accumulation or Inheritance, Conservation or Growth, & Distribution - the 3 phases in one's Money Life.

One might overlap the other phase, but the critical issues to consider during the stages are -

Accumulation / Inheritance - Systematic Investment Planning (SIP) ...Wealth Creation.

Conservation / Growth - Systematic Maintenance Planning (SMP) ... Wealth Preservation & Growth.

Distribution - Systematic Inheritance Planning (SIhP)... Wealth Distribution.

SIP ----->  SMP ----->  SIhP