skip, age 40, is married with two daughters. his primary goals include saving for retirement, paying down the mortgage on his new home, managing his risks, and funding education for his daughters. which phase(s) of the life cycle approach is skip most likely in? select one. question 2 options: a. asset accumulation phase only b. asset accumulation and conservation/risk management phases c. conservation/risk management phase onl d. conservation/risk management and distribution/gifting phases