You may have some substantial savings at this point. Debt levels may be lower. You may have dual income, received some raises and bonus’, and no you are looking to make sure your money is earning. You also may have new expenses from kids to moving to buying your first or second home. All these combined makes this phase the most comprehensive and complicated. This means frequent updates to your financial plan, changing your savings patterns every few years, we may be adding new types of accounts like 529 plans and UTMA’s.
This phase is truly about accumulating as much wealth as possible. We will be creating a plan based off your needs so that we know how much we need to save and accumulate for all these different goals, so we are ready to enter this next phase.
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