Most of us will pass through three very broad phases to our financial lives.During phase one, we attempt to create wealth. Phase two moves from wealth creation to wealth distribution. Phase three (wealth conservation) comes when you pass on your wealth through inheritance.Let’s go back to phase two—the wealth distribution stage—if no one has told you yet, when you shift from phase one to phase two…all the rules change.And, honestly, the best time to plan for wealth distribution is while you are creating it.