--- title: What Defines You? - Beacon Wealth Management description: Secure the pension fund that suits your lifestyle, whether that be from pension contributions, investment decisions, savings, or property portfolios. image: https://beaconwm.co.uk/hubfs/4-2.png --- [🔒 Personal Finance Portal](https://beaconwm.gb.pfp.net/) [![Beacon Wealth Management](https://beaconwm.co.uk/hs-fs/hubfs/brand-logos/bwm-logo_791x500.jpg?width=791&height=500&name=bwm-logo_791x500.jpg "Beacon Wealth Management")](https://143955714.hs-sites-eu1.com/) [![Beacon Wealth Management](https://beaconwm.co.uk/hs-fs/hubfs/brand-logos/bwm-logo_791x500.jpg?width=791&height=500&name=bwm-logo_791x500.jpg "Beacon Wealth Management")](https://143955714.hs-sites-eu1.com/) - What we offer - [Planning](https://beaconwm.co.uk/planning) - [Retirement & Pensions](https://beaconwm.co.uk/planning#pensions) - [Passing on Wealth](https://beaconwm.co.uk/planning#wealth) - [Health & Protection](https://beaconwm.co.uk/planning#protection) - [Long-Term Care](https://beaconwm.co.uk/planning#care) - [Divorce](https://beaconwm.co.uk/planning#divorce) - [Mortgages](https://beaconwm.co.uk/planning#mortgages) - [Investing](https://beaconwm.co.uk/investing) - [Why invest with us](https://beaconwm.co.uk/investing#why-invest) - [Our Portfolios](https://beaconwm.co.uk/investing#our-portfolios) - [Business](https://beaconwm.co.uk/business) - [Employee Benefits](https://beaconwm.co.uk/business#Employee-Benefits) - [Workplace Pension](https://beaconwm.co.uk/business#Workplace-Pension) - [Business Protection](https://beaconwm.co.uk/business#Business-Protection) - [Corporate Planning](https://beaconwm.co.uk/business#Corporate-Planning) - [Who we help](https://beaconwm.co.uk/who-we-help) - [How it works](https://beaconwm.co.uk/how-it-works) - [Who we are](https://beaconwm.co.uk/who-we-are) - [Insights & News](https://beaconwm.co.uk/insights-and-news) - [Contact us](https://beaconwm.co.uk/contact-us) - [01480 869466](callto:+441480869466) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # What Defines You? Planning 25 October 2023 | 1 minute read by Tony Larkins ## **Your upbringing and circumstances are not what define you. It’s your choices and the decisions you make that define who you are.** There are circumstances early on in life that shape you, from where you grow up and go to school, to the friends, partners, further education, and jobs you have that shape you in later life. Life may not always be easy but each action, reaction, or non-action helps to define you as the person you are now. Your actions and circumstances have got you this far, but where will life take you in the future? When planning for your retirement, just like the rest of your life, it’s determined by a series of decisions and actions. Some things will be out of your control. By the time you retire, the State Income amount will likely not be enough for what you need. Therefore, you’ll need to take action to secure the pension fund that suits your lifestyle, whether that be from pension contributions, investment decisions, savings, or property portfolios. You must also decide on things such as long-term care costs, your Will, Power of Attorney, and Inheritance Tax planning (if required). Preparing for the future isn’t something you have to do alone, however. Our expert financial planners have the most up-to-date advice to create a bespoke plan tailored to your needs now, and what you want for your future. At Beacon, we work around you with virtual or face-to-face meetings, whichever suits you best. Plus, you can access your plan every step of the way using our online portal. Whether you want to travel the world or finally sit back and relax, knowing that your loved ones are taken care of, the perfect plan is waiting for you. Start planning for your retirement now, so that you can focus on living the life you want and being the person you want to be. If you would like to speak with one of our pension experts, please call us on 01480 869466 for a free initial, no obligation chat. *Future fees may apply.* ## Latest insights and articles [Planning](https://beaconwm.co.uk/insights-and-news/tag/planning) ##### Is Life Complicated? 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