HEX

File: D:/hMailServer/Data/sarahharvey.com/bob/32/{327F45C5-224C-49CC-9DE1-5A98CBBA0D73}.eml
Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: Are you making these five pension saving mistakes?
Date: Tue, 5 Nov 2024 13:38:55 -0000
Message-ID: <89.6A.06151.FEF1A276@gn.mta3vrest.cc.prd.sparkpost>
MIME-Version: 1.0
Content-Type: multipart/alternative;
	boundary="----=_NextPart_000_0471_01DB306F.5180F2F0"
Thread-Index: AQHBVByXiAYNJQyYxjKEnSY4VmX1Og==

This is a multipart message in MIME format.

------=_NextPart_000_0471_01DB306F.5180F2F0
Content-Type: text/plain;
	charset="UTF-8"
Content-Transfer-Encoding: 8bit

  <http://sp.pensionbee.com/q/eoh-gFkzdQ-tn7QT32NvIg~~/AABRIgA~/RgRpDKTvPVcFc3BjZXVCCmcO7x8qZ9GVJphSE2JvYkBzYXJhaGhhcnZleS5jb21YBAAAAB8~>
Avoid these common pitfalls in retirement planning. 
<https://links.pensionbee.com/e/eo?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=oCtvHrgrZW9NDObuOUUbYlqXfJa6f-qWgEUHQmiXpkP4gUKf-SASdiVlbjkU80FeMs3JO9UuBbl__q-vV4JZbF8Ddg-fapOhddHo2Hemn9SQ2rs_Z8nkhfc-4j_KxK6ZNH7mq1hABwiGLzyQzihYhw%3D%3D>










View in browser 
<https://links.pensionbee.com/e/evib?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=oCtvHrgrZW9NDObuOUUbYlqXfJa6f-qWgEUHQmiXpkP4gUKf-SASdiVlbjkU80FeSG_ZV3cF3qxyYGszAQdJ1g%3D%3D>



 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNSUFDlAno_q6w7TxgjFB8EqjfR25MW_KgoYZ9681pObYHUUCqGLkF8V3nKpt4bTLiABGOq90HuDRt_jtCb1u8PhyJiXVbmpfUB6MyvtJu72PrSfkkaZvodKGijZJ8aRKGksnqZM2-TIV53FsYNl5hRke-fbVzJiFYr9Uy08Sa3_cAbKfwx1eaZtJfgw%3D%3D>
Log in 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNSUFDlAno_q6w7Tx9VAW4Ri5o2-b3Mo6eSNMzFy2verGIh8SQqd9l0GLdjaHZUX6CcF0GkNdvoMoAbO1pJ0Eqep1nz09vpM6GfgBznI0gUhlstEUCVXHMUTsswgt4ZbpWTheqqjMo-hB9FFNHSytjnQhk-h8FOPj7W1bgDon80HHq0vajmHSmsNhqwg%3D%3D>

 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNSUFDlAno_q6w7Tz1B6YSs7tSOG6QWx6JNgyD5poAQHVy2X4Te89S9x17Q3GMQppw_iQB2e5gDi_Z9YI1J_GnJjPu3QdO7kWBHTygm1tWGj8ReUVCb31p8cfC1yk7EtQxTnouzd5OKutwCLJNWmpohTkv_v79XHfBkAEMQi4Xrta1ErpkRvAY1nWiJw%3D%3D>




Hi Robert,



Planning for your financial future involves avoiding common retirement 
pitfalls. Here are five mistakes to watch out for and how to avoid them:

1.	Relying on the State Pension - the full new State Pension 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akveeIpWyojNCBwSPyXYADID338LBalPGzha0HTUghZaKtUAkWNyiLYxvkyXvihFDFVc1zvD36LV9Y4uKvMQKfvrwcRUIuvgACv54PmkZpVTK6S4wCeVztLZMHMpeOsNKvEuRQmchcKiepCLI9BoqOlfOsyNj6cnsDDJYWJ8mSCvEwWXu165wf6YbwQPzLuHO-1NkcAFBBKxdKuHKyG6FheH26NL3bygzx2KBS492ARL_bBEjHDdbjgTeDNdLoVXRq38OIygkq_--K52Sf0i-uJ-qI> 
is currently £11,500 per year (2024/25), which may not be enough to achieve 
the retirement you want. Consider supplementing it with other long-term 
savings such as a private pension or an ISA.
2.	Delaying savings - start saving early to take advantage of compound 
interest 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbkzy-p0818OBeKBs4g0XybHPxdqExZE5FMFgl9M4qmHhilfUEbiLrlC-oaXplzZbASNUI4Y_dS_FOA2ClOsv3iKClM3Z1dCR4vxEQtPAmj5Q36YwF8pHaC0-GJe11MNTFK6MrauTfUtTqypcbmKLfd5hrbmi2vrP5UZGwkB872mTbyuyaWNW-qDfApw4qbeGsrgTr65zNuH7E9Rb-vqzE7rL5m4eOPOvr9P7HddI8siCCnPRkQSKT1SyWIG2jirDSA%3D%3D> 
. The sooner you save, the more your money has the opportunity to grow over 
time.
3.	Losing track of old pensions - changing jobs or moving home can lead to 
lost pensions. Use the government’s free Pension Tracing Service 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbmrVMLRAKHj7vuGK4zOvpxcix70-KgBiqKF_1yjITFLvxcYRYOPXDaOmNXbB8vECxiFzqW0UUArkCFaNOZnBpwZXR8YCyl-9O1YXxzqMy-dRHYJEcjewk2fHH1M7SfqcBGAascqBSROgpfN7REbzlhru93cEfeEdf-l3oEIDhevDDOm9W61P0atZYabpSLDY6UVEXzVvY2Yj0ULKReKIewJJiSYuZljZ7gJ0hF48W4pAWULAE5A-bPJaqMN1sEcvDA%3D%3D> 
to track them down.
4.	Not maximising employer contributions - under Auto-Enrolment, 5% of your 
qualifying earnings go into your workplace pension, with your employer 
adding 3%. Take advantage of any matched contributions your employer might 
offer 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akveeIpWyojNCBwSPyXYADID338LBalPGzha0HTUghZaKtULxe52Yk_3uSzScx0Yl2Vg5gIvfP7Wqbmi0nwgNcEo_IuhY0nRc_0EUy3s-IzoWp8ebbTeILTivtx1gFxHmnZp2YewylK9ZtllKqvcZsD_MN6fc9v-GqpiG2mVWwOYszHWxLKTrLwcKFvFj5Jby4zn6lBdy3CGMywAJPuQl1kG4hpKU7heDp_tt5U1koWhaYuMBzDYNMGVq-G4uWykuVJ7P42fr_kdaY_kIONRcVAcJKvC8Js0B6ah5a99TiD0wO-pooaQBcbt-Omx_nHRwJchs%3D> 
.
5.	Sticking with the default pension fund - many people are usually 
allocated into the default fund when their workplace or private pension is 
first set up. This means the equities are swapped for lower-risk assets as 
they approach retirement. But, with the introduction of income drawdown 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akveeIpWyojNCBwSPyXYADID338LBalPGzha0HTUghZaKtULqJyVxslj_EoW2vJlDeuWwC6IwIaujE4w7ciEX3hZ97sIRJ9X2LxYgC2F1bAFxm0Tcjc9IXbkOhWNQH0bdgH0BsjcbNlbtIrxuZymhv-IOxjdUShiUzd7RGWZlHooL4CkLCpXPPF7aaMdOJt0coaXaPk2tf2EK8ysSrWjshw_PPkWDmvL41id0ttzCjmfL0zHJLsw1q_UcXz3OnEZLluDsc-CRSdIKKfy-rL0xSYWQz4DKM7bSVkE7j0XSRwxywfA%3D%3D> 
, pension savings can stay invested into retirement.


Financial advice is valuable at any age. If you’re not sure you’re making 
the right choices with your pension, you can get advice from an Independent 
Financial Adviser 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbschHIcPGMUH71obC95QE4xUb-R1puEERcKvKq2NVHvnQrK22xWxetkLLtKPtr8LLAnITNGyt3zh8JPNaSEuynOezOSMLeEkW0JV0aSOPBzs00nc9GbgM6m6sPfhGA_drhQspVKEGfFDn1OTSpt23APGqAKGW7neu0STZynn2IvQQD6hCKQlQUNvEt5upyH6ETeQ0uVXmMjZwWPac0gfSCIsxBr6C2OUyn-sNIGxIdZ71O080A0ihbHpuJdcdgY2sHKujDGEaryqgBtUnoT3dBhsF32YCs3rtunhqBtnL4IdI65xnOIZzebfSz0Yl8BSbA%3D%3D> 
. They can help you understand your choices that suit your retirement goals.

Ready to take charge of your retirement? With PensionBee, we’ll combine your 
old pensions into a new plan that you can manage online. We just need some 
final details, so don’t forget to log in to your online account, your 
BeeHive 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akvefXgPAflsdQhQH621NmfPYuuV1QHGRP5ziKBMBhWUmQvn538FC1NhzMdBRr8b0FMu4E2bFZegbym5HQ_f81-J2VUWatjv0oFBw6rTGfHZrgCnktXDQHicw28laUKBgDj9eOoRk64wagGXvxokVYNItC96no98OBrRz3ERAwQikcad7qWIc1FgJYcAUM2JFEGVztw_HXLU63ezqV6DRHSFVJ> 
, to complete your sign up.




 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNSUFDlAno_q6w7Tw0yfPu5lOuQ4gDMcN5UFjpkXeyDY7GvRhFYHCpBcvj_mltzEYFOs7tQIGjsA55dl1pwzMKnxpHUKcz0OjdIqcU1m7LFBSH5ppFarKD6YPGrKgmS15SmeCzvsT3DKbyAAZz_mLzs8ZPTQm51dbgiUTGV265L71IJESFnOg4B6acWw%3D%3D> 
Complete your sign up



  <https://res.cloudinary.com/pensionbee/image/upload/v1692616392/headshots/pension_confident_podcast.png>


This month on The Pension Confident Podcast we’re talking about how to 
understand your pension balance. Join our expert panel as they break down 
everything from making sense of those annual statements to hunting down lost 
pension pots. Watch on YouTube 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbkzy-p0818OBeKBs4g0XybHU_nAwg3Eh2z7lq50oQLCdOjoajtrUH555SpidC0rh_kXExNTCLggyFY3jFzHeA_lvdYOoy0z9vhNdQZbbiG_sqr-1QgoV8G922vP1ezF8f5jm52fWIn1M7PW8M8Kt0DoKwpSJwgtxYrxVM01lLoXiZzce4rh2TTILLZg0sEtugZt2yl6I9lcQ91vZa6yv5Qg-4lXzK1R8amADQzExfINJbywcp8vk3FK8DB_JCfecew%3D%3D> 
, read the transcript 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akvedwVuQTgEJHJE5b6Wkp9dyYShXgG_vB2KSwkLYbHCoR_sKqOWRjLma3ueKCFoafOOoTjNh89iky6uxY-iFEXUrQW-ps1i2Allay7NIhdrXVNJox6nhbFm0V1Mk0lQuZQJiGIWFJ4juGfxxGsjxgFhqgLUPFqCHKjjyLpfxG9UmcGsLILPDHp4z3q2YiWtvp-KFnw7Iv9WCc1LB_0iJhxBtGOaIKIgnn4LOto02NUtJkjpI6O422PVsw3v6JB3AdLvc%3D> 
, listen on all major podcast platforms 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbvPRR7968d770Hda1KrNFXh8MYQPxmdlqBVCQGYwtdr4sCTIGrxPkCGl3hnJo83tnUErGv0XrpdRMU9Jitzc3wHUwHAQio6Z7AuRpDPoM540ZNmzPqCwDcD8mzJYhgQJKzbxID87bIFbRjq-56pjxipt60yj3JAf20637J6zfFIlT-irhYWOci1QuZWg-NKx6WXmmHbotbBH2L0fYAy73GE%3D> 
or from the PensionBee app.




 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbvPRR7968d770Hda1KrNFXh8MYQPxmdlqBVCQGYwtdr4BUMqaSS1Rg7nj4dtlJIeCLpImihBu0ZVGZs8mo05JsJ1PvOpM6OpaR-tWqaW_M0cZRxrO35yifBEjljjFha1rCZiPBAJwtqcbnmy-1cIdxEbwWDwBLkr5K_YynldjrZ1inlxS-DyFvYtAA9G3MuIuRFusaTZCu0Eg_0vfw1k3vQ%3D> 
Listen now


With investments, your capital is at risk. Pensions can go down in value as 
well as up, so you could get back less than you invest.




Have a question?

Get in touch with our friendly UK team.







  <https://res.cloudinary.com/pensionbee/image/upload/v1594306518/emails/New%20template/Telephone.png>
020 3457 8444
Monday - Friday: 9:30am-5pm  <https://res.cloudinary.com/pensionbee/image/upload/v1594306518/emails/New%20template/email.png>
contact@pensionbee.com <mailto:contact@pensionbee.com?subject=>
Send us an email and we'll get back to you as soon as possible  <https://res.cloudinary.com/pensionbee/image/upload/v1600088483/emails/New%20template/Chat.png>
 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akvedK-IGRA3UJyvqTVxWS61q-bxGcxYcWD7mJN8Xry85a30FctC3u9UdOfgFJFxzvvKxlcQDq8wYEt5kcN_sx-s4Rva-oFrFJKOXhsD0cpjSYiTyDvMohllgNUuWdIf9X3Vmr_i8cKmtcdvmqmy7m4pr3KPefv8g9YFtFvSTUipe-Jn-3DpLEV0dmLEkUgqnWlfYcMHzy3BPloA-AbGY6iaOK> 
Launch live chatSpeak 
to a member of our friendly team now <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_ 
m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbn5J77ndjnABuH2SkW5113UofvEEThPzznUFjQ_qTeC0MMaD3BDtjM3uydyYI-P_Cx8lWFf-zLvvVi44BZXXGppoXuAKV9qTyAMb3Jkkv1OEi90ZGfEV0Y0NxlJcl-XZ6CEOHVGtyFue0PEasd_skzjEF3xqjRXePzzBBprozyzP9NAH5AU4ob8o1hw5u_GgxMWpgnEFe7JbkKVRpTv_vaIGRaj4PBXF0WXC6_56f158Pf5hzTKIYb23jg7WAjkfOouxFZ-cFc4sZaZh3l-6gtOr3xKZe7ZODGiZRXttldf6TGmKnKUGZuiOhMeVshZElw%3D%3D>

 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbn5J77ndjnABuH2SkW5113UofvEEThPzznUFjQ_qTeC0MMaD3BDtjM3uydyYI-P_Cx8lWFf-zLvvVi44BZXXGppoXuAKV9qTyAMb3Jkkv1OEi90ZGfEV0Y0NxlJcl-XZ6CEOHVGtyFue0PEasd_skzhslKonv-_rtHVP4dADxz_k-BvzcuF9GsAt45kWKSILcEIjpa1260LnZ_vaOhhq8Fp-HwAzMYNMUpbVHew3WEyCI21Ntt1Gz3tkSlM4DIDSpEKzkR43vBs8XsJZtkKuv10YZ_Ltx92LF-SvcD4C-ZymNURxkNVAZxYbmFFtiOj8qA%3D%3D>


 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dblbznLhBEvgxg9TcSLMgPYM_PrK2yRYKeBMOwjIuuczry7ELIHnJqVTLhABUaXaRvlJTWtvkVNk-6_WTUAZ_z83xZBADaMRjhat5M2EZc_Z_zlOeEkMopFdxpNCpNFqxADinoS7CYpfjZe69JY9Cp3SqkoHeyjeIaLc0YnR3yA1u14tM82EwJI_b3kOGXvA6o6IZPc6dDxMnK1l_YB11y4ks3efBOcS6lNLsJoO5ornc> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbp4a6k-AkhY5hdDznHnTQi1De24ESx-hXom9mRgB8e1hpUw2LMn4w1W6RHWUhRvsBWKRrNst96YBSLQRz2X7trxWqi5TB6VBHpiVnKLehM_Bbj1AM-L467zMpUcUvVO5tadUq2NSZNhQqnHZHL7APWtIxDW67l_C5xPakzuDAb6rbL5wRrZWxwwsmjgQHL5vkvjEZir6U_dTchybcsSlnnA6y082RxDdohNZuHwWZFb4> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbj3efKkU5HFNPi8JZ5cKPh4MwLgjtEUoDli4qmYrykbCQRorJetSpL7e5gW7Ei52LLQxpHC5uaUSqUTGIpxYxTPVZ6yE-O2AQ7bmABqtVfeb4f92IjGnKbATFO2O-8bj6jfIcpPw9M6Q5cX5POzxUGFGonDwPJQxfUfRdR6hYWGQWKxZ0pkwUh4OmIJ7loR13m7m_0yEk-kltR-7PDwfjCofy7WCQt-LqVBk0i3qpR4w> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbhutKK9DA2mWcVSi5mM5DHtVP1fphscR87FBThRarSHao_yILcX_NUNkzUEd2_rV17qaH4Id_OsA1fkw0lJFG7EFl0v40EpO_SiyuWDadPJItjyZqBrsNNqy9FuJjG8TZdYoWtNnwzXBqjuyqjlQe10rOoiQxpJEMjhwF48g0PV1Qe1_YSG1KiC9M4sKVDYKdbhaT0LflcBm4fMTFqzg06ZNMOkiFYFIyY1-Rm4-Aq5q> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dboE7mXx_Q3MHWO-gn4Sj_aIYM-5mn_z9zFoBM3lYvJ0YcNQwmiERv9Aqi2R1Sqg3C1TG7k1_I5DwOaGvVocucDxeHmOgUHSbOEKLZRBs2C63wA5vaIDGj72F-1xbaFyWyyet43WJhGnjoQ5Kc89nGQ8wSwrQzZp7RokmeykATmZaSMEzCE4Drdc7C2wW1-Ofvvo-Xij9DjhEaDBoBec5_BfD1DLI7d-56JbCb2-_3bEk> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbkzy-p0818OBeKBs4g0XybF3KyBeAUbzvZGa3JubT5xUuNfbeDSc8WmuhvJZYDjgrU4tGaqzwG1DuzP_24TUw0r5MAbrb9pFzUO2ukgxZ10KpTb1R9IrGaHBBCgHKSiTgtcGZGa1wBpCToFbLrcme6_x37ZO-SiV5eYrtNQUQMbazMr3oEgDgM9um6jNBMx8EjGx13mjP_hL15m8z-E2aMq-oQc8zD2m4CS9R709ujj6pIJR3n0afE9GbMtf8f8EGQ%3D%3D> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbvDDp13AK8T9a3kn1uvwoeOHnLiU8BpDtBsxVB87yXRyjxNlFrz-F478nr4WvCpxiScWRZGwM8DlXFHXeo3M8HiSOJMLlVSQb4oEiKUq6u9WJRMD9ETXY4VDQZZhVG71Vq_kK9w-KmsA6py2NHad3N20O-ZUaY-IEmmkM5e1tEUDMDL0ehqhhXlTDhNLl413fR997obzkgm37sEv6l2t5pkhAh6NGkXBpQ-0BDjh4PaL> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=e18be521ec364e379f1d49f8849a3ba9&_e=ItFlJCxu_9FLshee999dbnDoHa4JrxbwjI97I3akvefQayC3veq5jw9gR-sgMNa2n6Ccbr2I6XFyynVpv6JwgqLP7b9eOZeUHCkbLoUX8U1a9iqiE-oHeqElejjTTx-6ww1pdo1Wkl5amZBcZMCIiBNBov1zvNXCs2QIVqpz-ZO5nCXNxy3CSAkmos2OOxcOJKYLwafuEUJXD7WNwYP5nVA9KNlM7UQ1olZZ0UbBLsYbAPMrsQoXiDsbHVS7ZHnD>
If you do not wish to receive any marketing emails,
please click here to Unsubscribe 
<https://links.pensionbee.com/e/encryptedUnsubscribe?_r=941fc1872f5648a9becb28376f6c197b&_s=e18be521ec364e379f1d49f8849a3ba9&_t=oCtvHrgrZW9NDObuOUUbYlqXfJa6f-qWgEUHQmiXpkP4gUKf-SASdiVlbjkU80FeMs3JO9UuBbl__q-vV4JZbF8Ddg-fapOhddHo2Hemn9QfZAdfAzmZIUisgquZUp-MnW1TOTlcS2wN1tkLolItEJpAQm3gOsCcBveuPq9pFv7z17jKfd4ZgeWG15tIT6NA> 
.
This email was sent by: PensionBee Limited
209 Blackfriars Road, London, SE1 8NL, United Kingdom

PensionBee is authorised and regulated by the Financial Conduct Authority 
(FRN: 744931) and registered in England and Wales (Companies Registration 
No. 9354862).  <http://sp.pensionbee.com/q/fOUF8rdwrU5r9JYERMCWpA~~/AABRIgA~/RgRpDKTvPlcFc3BjZXVCCmcO7x8qZ9GVJphSE2JvYkBzYXJhaGhhcnZleS5jb21YBAAAAB8~>

------=_NextPart_000_0471_01DB306F.5180F2F0
Content-Type: text/html;
	boundary="_----37lFVJ1aZpE9o10UJyt5iw===_39/6A-06151-FEF1A276";
	charset="UTF-8"
Content-Transfer-Encoding: quoted-printable

<!DOCTYPE html><html xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:o=3D"urn:schemas-microsoft-com:office:office" lang=3D"en" =
style=3D"box-sizing: border-box;"><head><title></title><meta =
http-equiv=3D"Content-Type" content=3D"text/html; charset=3Dutf-8"><meta =
name=3D"viewport" =
content=3D"width=3Ddevice-width,initial-scale=3D1"><!--[if =
mso]><xml><o:OfficeDocumentSettings><o:PixelsPerInch>96</o:PixelsPerInch>=
<o:AllowPNG/></o:OfficeDocumentSettings></xml><![endif]--><style>*{box-si=
zing:border-box}body{margin:0;padding:0}a[x-apple-data-detectors]{color:i=
nherit!important;text-decoration:inherit!important}#MessageViewBody =
a{color:inherit;text-decoration:none}p{line-height:inherit}.desktop_hide,=
.desktop_hide =
table{mso-hide:all;display:none;max-height:0;overflow:hidden}.image_block=
 =
img+div{display:none}sub,sup{font-size:75%;line-height:0}@media(max-width=
:620px){.mobile_hide{display:none}.row-content{width:100%!important}.stac=
k =
.column{width:100%;display:block}.mobile_hide{min-height:0;max-height:0;m=
ax-width:0;overflow:hidden;font-size:0}.desktop_hide,.desktop_hide =
table{display:table!important;max-height:none!important}.row-3 .column-1 =
.block-2.button_block td.pad,.row-5 .column-1 .block-1.button_block =
td.pad{padding:25px 10px 10px!important}.row-3 .column-1 =
.block-2.button_block a,.row-3 .column-1 .block-2.button_block =
div,.row-3 .column-1 .block-2.button_block span,.row-5 .column-1 =
.block-1.button_block a,.row-5 .column-1 .block-1.button_block =
div,.row-5 .column-1 .block-1.button_block =
span{font-size:16px!important;line-height:32px!important}}</style><!--[if=
 mso =
]><style>sup,sub{font-size:100%!important}sup{mso-text-raise:10%}sub{mso-=
text-raise:-10%}</style><![endif]--></head><body class=3D"body" =
style=3D"box-sizing: border-box; background-color: #fff; margin: 0; =
padding: 0; -webkit-text-size-adjust: none; text-size-adjust: none;">
<div =
style=3D"color:transparent;visibility:hidden;opacity:0;font-size:0px;bord=
er:0;max-height:1px;width:1px;margin:0px;padding:0px;border-width:0px!imp=
ortant;display:none!important;line-height:0px!important;"><img =
border=3D"0" width=3D"1" height=3D"1" =
src=3D"http://sp.pensionbee.com/q/eoh-gFkzdQ-tn7QT32NvIg~~/AABRIgA~/RgRpD=
KTvPVcFc3BjZXVCCmcO7x8qZ9GVJphSE2JvYkBzYXJhaGhhcnZleS5jb21YBAAAAB8~" =
alt=3D""/></div>
<span =
style=3D"color:transparent;visibility:hidden;display:none;opacity:0;heigh=
t:0;width:0;font-size:0;">Avoid these common pitfalls in retirement =
planning.</span><img =
src=3D"https://links.pensionbee.com/e/eo?_t=3D941fc1872f5648a9becb28376f6=
c197b&amp;_m=3De18be521ec364e379f1d49f8849a3ba9&amp;_e=3DoCtvHrgrZW9NDObu=
OUUbYlqXfJa6f-qWgEUHQmiXpkP4gUKf-SASdiVlbjkU80FeMs3JO9UuBbl__q-vV4JZbF8Dd=
g-fapOhddHo2Hemn9SQ2rs_Z8nkhfc-4j_KxK6ZNH7mq1hABwiGLzyQzihYhw%3D%3D" =
style=3D"border:0;width:1px;height:1px;border-width:0px!important;display=
:none!important;line-height:0!important;" width=3D"1" =
height=3D"1"/><table class=3D"nl-container" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; background-color: #fff;" bgcolor=3D"#fff"><tbody style=3D"box-sizing: =
border-box;"><tr style=3D"box-sizing: border-box;"><td =
style=3D"box-sizing: border-box;"><table class=3D"row row-1" =
align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: =
border-box;"><tr style=3D"box-sizing: border-box;"><td =
style=3D"box-sizing: border-box;"><table class=3D"row-content stack" =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; border-radius: 0; color: #000; width: 600px; =
margin: 0 auto;" width=3D"600"><tbody style=3D"box-sizing: =
border-box;"><tr style=3D"box-sizing: border-box;"><td class=3D"column =
column-1" width=3D"100%" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; font-weight: 400; text-align: =
left; padding-bottom: 5px; padding-top: 5px; vertical-align: top; =
border-top: 0; border-right: 0; border-bottom: 0; border-left: 0;" =
align=3D"left" valign=3D"top"><table class=3D"empty_block block-1" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: =
border-box;"></div></td></tr></table></td></tr></tbody></table></td></tr>=
</tbody></table><table class=3D"row row-2" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; background-color: #fff;" bgcolor=3D"#fff"><tbody =
style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
class=3D"row-content stack" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; color: #000; width: 600px; margin: 0 auto;" width=3D"600"><tbody =
style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td class=3D"column column-1" width=3D"100%" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; font-weight: 400; text-align: left; vertical-align: top; border-top: =
0; border-right: 0; border-bottom: 0; border-left: 0;" align=3D"left" =
valign=3D"top"><table class=3D"html_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; text-align: =
center;" align=3D"center"><head> =
<style>body{margin:0;padding:0;-webkit-text-size-adjust:100%!important;-m=
s-text-size-adjust:100%!important;-webkit-font-smoothing:antialiased!impo=
rtant}img{border:0!important;outline:none!important}p{Margin:0!important;=
Padding:0!important}table{border-collapse:collapse;mso-table-lspace:0;mso=
-table-rspace:0}td,a,span{border-collapse:collapse;mso-line-height-rule:e=
xactly}.ExternalClass *{line-height:100%}.em_defaultlink =
a{color:inherit;text-decoration:none}.em_g_img+div{display:none}a[x-apple=
-data-detectors],u+.em_body a,#MessageViewBody =
a{color:inherit;text-decoration:none;font-size:inherit!important;font-fam=
ily:inherit!important;font-weight:inherit!important;line-height:inherit!i=
mportant}table{table-layout:fixed}}</style> <style>body{margin:0 =
auto;padding:0;-webkit-text-size-adjust:100%!important;-ms-text-size-adju=
st:100%!important;-webkit-font-smoothing:antialiased!important}img{border=
:0!important;outline:none!important}p{Margin:0!important;Padding:0!import=
ant}table{border-collapse:collapse;mso-table-lspace:0;mso-table-rspace:0}=
td,a,span{border-collapse:collapse;mso-line-height-rule:exactly}.External=
Class *{line-height:100%}.em_defaultlink =
a{color:inherit!important;text-decoration:none!important}.em_g_img+div{di=
splay:none}center table{width:100%!important}.em_grey =
a{color:#909c9e;text-decoration:none}.em_black_und =
a{color:#3a342c;text-decoration:underline}.em_black =
a{color:#3a342c;text-decoration:underline}.em_greyA_und =
a{color:#909c9e;text-decoration:underline}.em_green_und =
a{color:#24b6b6;text-decoration:underline}.em_white =
a{color:#fff;text-decoration:none}.em_white_und =
a{color:#fff;text-decoration:underline}@media only screen and =
(max-width:623px){.em_main_table{width:100%!important}.em_wrapper{width:1=
00%!important}.em_hide{display:none!important}.em_center{text-align:cente=
r!important}.em_side15{width:15px!important}.em_ptop{padding-top:20px!imp=
ortant}u+.em_body =
.em_full_wrap{width:100%!important;width:100vw!important}.em_p25{padding:=
25px!important}.em_p1{padding:15px 25px!important}.em_p2{padding:35px =
25px!important}.em_p3{padding:10px 25px!important}.em_p4{padding:43px =
25px 55px!important}.em_p5{padding:0 25px =
40px!important}.em_h0{height:0!important;font-size:1px!important;line-hei=
ght:1px!important}.em_pt25{padding-top:25px!important}.em_pt0{padding-top=
:0!important}.em_pt40{padding-top:40px!important}.em_pt45{padding-top:45p=
x!important}.em_pt35{padding-top:35px!important}.em_pt30{padding-top:30px=
!important}.em_p30{padding:30px!important}.em_pb40{padding-bottom:40px!im=
portant}.em_side25{width:25px!important}}@media only screen and =
(min-width:481px) and =
(max-width:599px){.em_main_table{width:100%!important}.em_wrapper{width:1=
00%!important}.em_hide{display:none!important}.em_full_img{width:100%!imp=
ortant;height:auto!important;max-width:none!important}.em_full_img =
img{width:100%!important;height:auto!important}.em_center{text-align:cent=
er!important}.em_side10{width:10px!important}.em_side15{width:15px!import=
ant}.em_aside15{padding:0 =
15px!important}.em_ptop{padding-top:40px!important}.em_side20{width:20px!=
important}.em_pbottom{padding-bottom:20px!important}.em_h20{height:20px!i=
mportant;font-size:1px!important;line-height:1px!important}.em_h12{height=
:12px!important;font-size:1px!important;line-height:1px!important}.em_h6{=
height:6px!important;font-size:1px!important;line-height:1px!important}.e=
m_h30{height:30px!important}.em_font_N{font-size:Npx}.em_img{width:245px!=
important;height:auto!important;max-width:245px!important}.em_pbottomA{pa=
dding-bottom:10px!important}.em_h40{height:45px!important}.em_hauto{heigh=
t:auto!important}.em_h40A{height:40px!important}.em_h17{height:17px!impor=
tant;font-size:1px!important;line-height:1px!important}.em_logo{width:45p=
x!important;height:auto!important}.em_bg_line{background-image:url(images=
/bg_img_line.jpg)!important;height:7px!important;background-position:cent=
er top!important;background-repeat:no-repeat!important}}@media screen =
and =
(max-width:480px){.em_main_table{width:100%!important}.em_wrapper{width:1=
00%!important}.em_hide{display:none!important}.em_full_img{width:100%!imp=
ortant;height:auto!important;max-width:none!important}.em_full_img =
img{width:100%!important;height:auto!important}.em_center{text-align:cent=
er!important}.em_side10{width:10px!important}.em_side20{width:20px!import=
ant}.em_side15{width:15px!important}.em_aside15{padding:0 =
15px!important}.em_ptop{padding-top:40px!important}.em_pbottom{padding-bo=
ttom:20px!important}.em_pbottomA{padding-bottom:10px!important}.em_h20{he=
ight:20px!important;font-size:1px!important;line-height:1px!important}.em=
_h12{height:15px!important;font-size:1px!important;line-height:1px!import=
ant}.em_h6{height:6px!important;font-size:1px!important;line-height:1px!i=
mportant}.em_h30{height:30px!important}.em_h40{height:45px!important}.em_=
font_34{font-size:34px!important;line-height:37px!important}u+.em_body =
.em_full_wrap{width:100%!important;width:100vw!important}.em_img{width:24=
5px!important;height:auto!important;max-width:245px!important}.em_width{w=
idth:100px!important}.em_h40A{height:40px!important}.em_hauto{height:auto=
!important}.em_h17{height:17px!important;font-size:1px!important;line-hei=
ght:1px!important}.em_logo{width:45px!important;height:auto!important}.em=
_bg_line{background-image:url(images/bg_img_line.jpg)!important;height:7p=
x!important;background-position:center =
top!important;background-repeat:no-repeat!important}.em_font22{font-size:=
22px!important;line-height:26px!important}.em_w87 =
img{width:87px!important;height:auto!important}.em_w195 =
img{width:195px!important;height:auto!important}.em_w1{width:20px!importa=
nt}}@media screen and =
(max-width:320px){.em_font22{font-size:18px!important;line-height:22px!im=
portant}.em_w1{width:20px!important}}</style> </head> <table =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
class=3D"em_full_wrap" align=3D"center"> <tr> <td align=3D"center" =
valign=3D"top"><table align=3D"center" width=3D"600" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" class=3D"em_main_table" =
style=3D"width:600px; table-layout:fixed;"> <tr> <td width=3D"25" =
style=3D"width:25px;" class=3D"em_side15"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
border=3D"0"/></td> <td align=3D"center" valign=3D"top"><table =
width=3D"550" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
align=3D"center" style=3D"width:550px;" class=3D"em_wrapper"> <tbody> =
<tr> <td height=3D"22" style=3D"height:22px; font-size:1px; =
line-height:1px;" class=3D"em_h20"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
border=3D"0"/></td> </tr> <tr> <td class=3D"em_grey" align=3D"center" =
valign=3D"top" style=3D"font-family: 'Open Sans', Arial, sans-serif; =
font-size:12px; line-height:15px; color:#909c9e;"><a href=3D"#" =
target=3D"_blank" style=3D"text-decoration:none; color:#909c9e;"><a =
href=3D"https://links.pensionbee.com/e/evib?_t=3D941fc1872f5648a9becb2837=
6f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DoCtvHrgrZW9NDObuOUUbY=
lqXfJa6f-qWgEUHQmiXpkP4gUKf-SASdiVlbjkU80FeSG_ZV3cF3qxyYGszAQdJ1g%3D%3D">=
View in browser</a></td> </tr> <tr> <td height=3D"22" =
style=3D"height:22px; font-size:1px; line-height:1px;" =
class=3D"em_h20"><img src=3D"images/spacer.gif" width=3D"1" height=3D"1" =
alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> </tbody> =
</table></td> <td width=3D"25" style=3D"width:25px;" =
class=3D"em_side15"><img src=3D"images/spacer.gif" width=3D"1" =
height=3D"1" alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> =
</table></td> </tr> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width:600px;" width=3D"600"> <tr> <td align=3D"center" =
bgcolor=3D"#f9c000" class=3D"em_p1" style=3D"background-color:#f9c000; =
padding:17px 25px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tr> <td =
align=3D"left" style=3D"width:126px;" valign=3D"top" width=3D"126"> <a =
data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNS=
UFDlAno_q6w7TxgjFB8EqjfR25MW_KgoYZ9681pObYHUUCqGLkF8V3nKpt4bTLiABGOq90HuD=
Rt_jtCb1u8PhyJiXVbmpfUB6MyvtJu72PrSfkkaZvodKGijZJ8aRKGksnqZM2-TIV53FsYNl5=
hRke-fbVzJiFYr9Uy08Sa3_cAbKfwx1eaZtJfgw%3D%3D" =
style=3D"text-decoration:none;" target=3D"_blank" title=3D""><img =
alt=3D"Pension Bee" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586874381/ema=
ils/New%20template/Group.png" style=3D"display: block; max-width: 126px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; text-align: center; height: auto; width: =
100%;" width=3D"126"></a> </td> <td class=3D"em_side15" =
style=3D"width:353px;" width=3D"353"> &nbsp; </td> <td align=3D"center" =
valign=3D"top"> <table align=3D"right" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width:95px;" width=3D"95"> <tr> <td =
align=3D"center" bgcolor=3D"#343a40" height=3D"42" style=3D"height:42px; =
background-color:#343a40; border-radius: 4px; font-family: 'Ryo Gothic =
PlusN', Arial, sans-serif; font-size:16px; color:#FFFFFF; =
font-weight:300;" valign=3D"middle"> <a data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNS=
UFDlAno_q6w7Tx9VAW4Ri5o2-b3Mo6eSNMzFy2verGIh8SQqd9l0GLdjaHZUX6CcF0GkNdvoM=
oAbO1pJ0Eqep1nz09vpM6GfgBznI0gUhlstEUCVXHMUTsswgt4ZbpWTheqqjMo-hB9FFNHSyt=
jnQhk-h8FOPj7W1bgDon80HHq0vajmHSmsNhqwg%3D%3D" =
style=3D"color:#FFFFFF;text-decoration:none; display:block; =
line-height:42px;" target=3D"_blank" title=3D"">Log in</a> </td> </tr> =
</table> </td> </tr> </table> </td> </tr> =
</table></div></td></tr></table><table class=3D"image_block block-2" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box; width: 100%;" =
width=3D"100%"><div class=3D"alignment" align=3D"center" =
style=3D"box-sizing: border-box; line-height: 10px;"><div =
style=3D"box-sizing: border-box; max-width: 600px;"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNS=
UFDlAno_q6w7Tz1B6YSs7tSOG6QWx6JNgyD5poAQHVy2X4Te89S9x17Q3GMQppw_iQB2e5gDi=
_Z9YI1J_GnJjPu3QdO7kWBHTygm1tWGj8ReUVCb31p8cfC1yk7EtQxTnouzd5OKutwCLJNWmp=
ohTkv_v79XHfBkAEMQi4Xrta1ErpkRvAY1nWiJw%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; outline: none;" tabindex=3D"-1"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1729265542/ema=
ils/2024/Are_you_making_these_5_pension_saving_mistakes_.png" =
style=3D"box-sizing: border-box; display: block; height: auto; border: =
0; width: 100%;" width=3D"600" alt=3D"Image" title=3D"Image" =
height=3D"auto"></a></div></div></td></tr></table></td></tr></tbody></tab=
le></td></tr></tbody></table><table class=3D"row row-3" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"> <td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top; border-top: 0; border-right: =
0; border-bottom: 0; border-left: 0;" align=3D"left" =
valign=3D"top"><table class=3D"text_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; word-break: break-word;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: sans-serif;"><div class =
style=3D"box-sizing: border-box; font-size: 12px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 18px; =
color: #3a342c; line-height: 1.5;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"> <span style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;"><span style=3D"box-sizing: border-box; word-break: =
break-word;">Hi Robert,<br style=3D"box-sizing: =
border-box;"></span></span></p><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"><br style=3D"box-sizing: border-box;"><span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px;">Planning for your =
financial future involves avoiding common retirement pitfalls. Here are =
five mistakes to watch out for and how to avoid =
them:&nbsp;</span></p><ol style=3D"box-sizing: border-box;"><li =
style=3D"box-sizing: border-box;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px;"><strong =
style=3D"box-sizing: border-box;">Relying on the State Pension</strong> =
- the full new<a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akveeIpWyojNCBwSPyXYADID338LBalPGzha0HTUghZaKtUAkWNyiLY=
xvkyXvihFDFVc1zvD36LV9Y4uKvMQKfvrwcRUIuvgACv54PmkZpVTK6S4wCeVztLZMHMpeOsN=
KvEuRQmchcKiepCLI9BoqOlfOsyNj6cnsDDJYWJ8mSCvEwWXu165wf6YbwQPzLuHO-1NkcAFB=
BKxdKuHKyG6FheH26NL3bygzx2KBS492ARL_bBEjHDdbjgTeDNdLoVXRq38OIygkq_--K52Sf=
0i-uJ-qI" target=3D"_blank" style=3D"box-sizing: border-box; =
text-decoration: underline; color: #007db7;" rel=3D"noopener"> State =
Pension</a> is currently =C2=A311,500 per year (2024/25), which may not =
be enough to achieve the retirement you want. Consider supplementing it =
with other long-term savings such as a private pension or an =
ISA.</span></li><li style=3D"box-sizing: border-box;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;"><strong style=3D"box-sizing: border-box;">Delaying =
savings</strong> - start saving early to take advantage of <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bkzy-p0818OBeKBs4g0XybHPxdqExZE5FMFgl9M4qmHhilfUEbiLrlC-oaXplzZbASNUI4Y_d=
S_FOA2ClOsv3iKClM3Z1dCR4vxEQtPAmj5Q36YwF8pHaC0-GJe11MNTFK6MrauTfUtTqypcbm=
KLfd5hrbmi2vrP5UZGwkB872mTbyuyaWNW-qDfApw4qbeGsrgTr65zNuH7E9Rb-vqzE7rL5m4=
eOPOvr9P7HddI8siCCnPRkQSKT1SyWIG2jirDSA%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">compound interest</a>. The sooner you save, =
the more your money has the opportunity to grow over =
time.</span></li><li style=3D"box-sizing: border-box;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;"><strong style=3D"box-sizing: border-box;">Losing track of old =
pensions</strong> - changing jobs or moving home can lead to lost =
pensions. Use the government=E2=80=99s free <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bmrVMLRAKHj7vuGK4zOvpxcix70-KgBiqKF_1yjITFLvxcYRYOPXDaOmNXbB8vECxiFzqW0UU=
ArkCFaNOZnBpwZXR8YCyl-9O1YXxzqMy-dRHYJEcjewk2fHH1M7SfqcBGAascqBSROgpfN7RE=
bzlhru93cEfeEdf-l3oEIDhevDDOm9W61P0atZYabpSLDY6UVEXzVvY2Yj0ULKReKIewJJiSY=
uZljZ7gJ0hF48W4pAWULAE5A-bPJaqMN1sEcvDA%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">Pension Tracing Service</a> to track them =
down.</span></li><li style=3D"box-sizing: border-box;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;"><strong style=3D"box-sizing: border-box;">Not maximising employer =
contributions</strong> - under Auto-Enrolment, 5% of your qualifying =
earnings go into your workplace pension, with your employer adding 3%. =
Take advantage of any <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akveeIpWyojNCBwSPyXYADID338LBalPGzha0HTUghZaKtULxe52Yk_=
3uSzScx0Yl2Vg5gIvfP7Wqbmi0nwgNcEo_IuhY0nRc_0EUy3s-IzoWp8ebbTeILTivtx1gFxH=
mnZp2YewylK9ZtllKqvcZsD_MN6fc9v-GqpiG2mVWwOYszHWxLKTrLwcKFvFj5Jby4zn6lBdy=
3CGMywAJPuQl1kG4hpKU7heDp_tt5U1koWhaYuMBzDYNMGVq-G4uWykuVJ7P42fr_kdaY_kIO=
NRcVAcJKvC8Js0B6ah5a99TiD0wO-pooaQBcbt-Omx_nHRwJchs%3D" =
target=3D"_blank" style=3D"box-sizing: border-box; text-decoration: =
underline; color: #007db7;" rel=3D"noopener">matched contributions your =
employer might offer</a>.</span></li><li style=3D"box-sizing: =
border-box;"> <span style=3D"box-sizing: border-box; word-break: =
break-word; background-color: transparent; font-size: 16px;"><strong =
style=3D"box-sizing: border-box;">Sticking with the default pension =
fund</strong> - many people are usually allocated into the default fund =
when their workplace or private pension is first set up. This means the =
equities are swapped for lower-risk assets as they approach retirement. =
But, with the introduction of <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akveeIpWyojNCBwSPyXYADID338LBalPGzha0HTUghZaKtULqJyVxsl=
j_EoW2vJlDeuWwC6IwIaujE4w7ciEX3hZ97sIRJ9X2LxYgC2F1bAFxm0Tcjc9IXbkOhWNQH0b=
dgH0BsjcbNlbtIrxuZymhv-IOxjdUShiUzd7RGWZlHooL4CkLCpXPPF7aaMdOJt0coaXaPk2t=
f2EK8ysSrWjshw_PPkWDmvL41id0ttzCjmfL0zHJLsw1q_UcXz3OnEZLluDsc-CRSdIKKfy-r=
L0xSYWQz4DKM7bSVkE7j0XSRwxywfA%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">income drawdown</a>, pension savings can stay =
invested into retirement.</span> </li></ol><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 24px;"><br style=3D"box-sizing: border-box;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">Financial advice is valuable at any age. If you=E2=80=99re not =
sure you=E2=80=99re making the right choices with your pension, <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bschHIcPGMUH71obC95QE4xUb-R1puEERcKvKq2NVHvnQrK22xWxetkLLtKPtr8LLAnITNGyt=
3zh8JPNaSEuynOezOSMLeEkW0JV0aSOPBzs00nc9GbgM6m6sPfhGA_drhQspVKEGfFDn1OTSp=
t23APGqAKGW7neu0STZynn2IvQQD6hCKQlQUNvEt5upyH6ETeQ0uVXmMjZwWPac0gfSCIsxBr=
6C2OUyn-sNIGxIdZ71O080A0ihbHpuJdcdgY2sHKujDGEaryqgBtUnoT3dBhsF32YCs3rtunh=
qBtnL4IdI65xnOIZzebfSz0Yl8BSbA%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">you can get advice from an Independent =
Financial Adviser</a>. They can help you understand your choices that =
suit your retirement goals.</span><br style=3D"box-sizing: =
border-box;"><br style=3D"box-sizing: border-box;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">Ready to take charge of your retirement? With PensionBee, =
we=E2=80=99ll combine your old pensions into a new plan that you can =
manage online. We just need some final details, so don=E2=80=99t forget =
to <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvefXgPAflsdQhQH621NmfPYuuV1QHGRP5ziKBMBhWUmQvn538FC1N=
hzMdBRr8b0FMu4E2bFZegbym5HQ_f81-J2VUWatjv0oFBw6rTGfHZrgCnktXDQHicw28laUKB=
gDj9eOoRk64wagGXvxokVYNItC96no98OBrRz3ERAwQikcad7qWIc1FgJYcAUM2JFEGVztw_H=
XLU63ezqV6DRHSFVJ" target=3D"_blank" style=3D"box-sizing: border-box; =
text-decoration: underline; color: #007db7;" rel=3D"noopener">log in to =
your online account, your BeeHive</a>, to complete your sign =
up.</span></p><p style=3D"box-sizing: border-box; line-height: inherit; =
margin: 0; font-size: 16px; mso-line-height-alt: =
18px;">&nbsp;</p></div></div></td></tr></table><table =
class=3D"button_block block-2" width=3D"100%" border=3D"0" =
cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div class=3D"alignment" =
align=3D"center" style=3D"box-sizing: border-box;"><!--[if =
mso]><v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNS=
UFDlAno_q6w7TzWXgb4kfApj0tQzWdZdtTeeFFeTRYkcClxoWHieeoJfWljChCnLXOyy8NpiL=
AVx0qgyv91bkAuqdLH0bVcvWdlJ4DWuAholrE_sQNbCmtcX6o0ieDDDSMV_atBDRufubFhLyt=
r_KLPx1QyVIUrVb1VZvKq6G_sVkDi6I6acz68gA%3D%3D" =
style=3D"height:47px;width:218px;v-text-anchor:middle;" arcsize=3D"26%" =
stroke=3D"false" fillcolor=3D"#f9c000"> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,5px,5px"> <center dir=3D"false" =
style=3D"color:#3a342c;font-family:Arial, =
sans-serif;font-size:16px"><![endif]--> <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvef_6XBer8y8ck8vqUjXQbeSub2yjtpgEl0TjI9fCf0hXqnCyPYNS=
UFDlAno_q6w7Tw0yfPu5lOuQ4gDMcN5UFjpkXeyDY7GvRhFYHCpBcvj_mltzEYFOs7tQIGjsA=
55dl1pwzMKnxpHUKcz0OjdIqcU1m7LFBSH5ppFarKD6YPGrKgmS15SmeCzvsT3DKbyAAZz_mL=
zs8ZPTQm51dbgiUTGV265L71IJESFnOg4B6acWw%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; background-color: #f9c000; =
border-bottom: 0px solid transparent; border-left: 0px solid =
transparent; border-radius: 12px; border-right: 0px solid transparent; =
border-top: 0px solid transparent; color: #3a342c; display: =
inline-block; font-family: Arial, 'Helvetica Neue', Helvetica, =
sans-serif; font-size: 16px; font-weight: 400; mso-border-alt: none; =
padding-bottom: 10px; padding-top: 5px; text-align: center; =
text-decoration: none; width: auto; word-break: keep-all;"><span =
style=3D"box-sizing: border-box; word-break: break-word; padding-left: =
20px; padding-right: 25px; font-size: 16px; display: inline-block; =
letter-spacing: normal;"><span style=3D"box-sizing: border-box; =
word-break: break-word; line-height: 32px;"><strong style=3D"box-sizing: =
border-box;">Complete your sign up</strong></span></span></a> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></div></td></tr></tab=
le></td></tr></tbody></table></td></tr></tbody></table><table =
class=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
class=3D"row-content" align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; border-radius: 0; color: #000; =
width: 600px; margin: 0 auto;" width=3D"600"><tbody style=3D"box-sizing: =
border-box;"><tr style=3D"box-sizing: border-box;"><td class=3D"column =
column-1" width=3D"25%" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; font-weight: 400; text-align: =
left; padding-bottom: 5px; padding-top: 5px; vertical-align: top; =
border-top: 0; border-right: 0; border-bottom: 0; border-left: 0;" =
align=3D"left" valign=3D"top"><table class=3D"image_block block-1" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box; padding-bottom: 15px; =
padding-left: 25px; padding-right: 25px; padding-top: 20px; width: =
100%;" width=3D"100%"><div class=3D"alignment" align=3D"right" =
style=3D"box-sizing: border-box; line-height: 10px;"><div =
style=3D"box-sizing: border-box; max-width: 100px;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1692616392/hea=
dshots/pension_confident_podcast.png" style=3D"box-sizing: border-box; =
display: block; height: auto; border: 0; width: 100%;" width=3D"100" alt =
title height=3D"auto"></div></div></td></tr></table></td><td =
class=3D"column column-2" width=3D"75%" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; font-weight: 400; text-align: =
left; padding-bottom: 5px; padding-top: 5px; vertical-align: top; =
border-top: 0; border-right: 0; border-bottom: 0; border-left: 0;" =
align=3D"left" valign=3D"top"><table class=3D"text_block block-1" =
width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; word-break: break-word;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: =
border-box;"><div style=3D"box-sizing: border-box; font-family: =
sans-serif;"><div class style=3D"box-sizing: border-box; font-size: =
14px; font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; =
mso-line-height-alt: 21px; color: #3a342c; line-height: 1.5;"><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
font-size: 14px; mso-line-height-alt: 21px;"> This month on <strong =
style=3D"box-sizing: border-box;">The Pension Confident Podcast</strong> =
we=E2=80=99re talking about how to understand your pension balance. Join =
our expert panel as they break down everything from making sense of =
those annual statements to hunting down lost pension pots. <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bkzy-p0818OBeKBs4g0XybHU_nAwg3Eh2z7lq50oQLCdOjoajtrUH555SpidC0rh_kXExNTCL=
ggyFY3jFzHeA_lvdYOoy0z9vhNdQZbbiG_sqr-1QgoV8G922vP1ezF8f5jm52fWIn1M7PW8M8=
Kt0DoKwpSJwgtxYrxVM01lLoXiZzce4rh2TTILLZg0sEtugZt2yl6I9lcQ91vZa6yv5Qg-4lX=
zK1R8amADQzExfINJbywcp8vk3FK8DB_JCfecew%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">Watch on YouTube</a>, <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvedwVuQTgEJHJE5b6Wkp9dyYShXgG_vB2KSwkLYbHCoR_sKqOWRjL=
ma3ueKCFoafOOoTjNh89iky6uxY-iFEXUrQW-ps1i2Allay7NIhdrXVNJox6nhbFm0V1Mk0lQ=
uZQJiGIWFJ4juGfxxGsjxgFhqgLUPFqCHKjjyLpfxG9UmcGsLILPDHp4z3q2YiWtvp-KFnw7I=
v9WCc1LB_0iJhxBtGOaIKIgnn4LOto02NUtJkjpI6O422PVsw3v6JB3AdLvc%3D" =
target=3D"_blank" style=3D"box-sizing: border-box; text-decoration: =
underline; color: #007db7;" rel=3D"noopener">read the transcript</a>, <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bvPRR7968d770Hda1KrNFXh8MYQPxmdlqBVCQGYwtdr4sCTIGrxPkCGl3hnJo83tnUErGv0Xr=
pdRMU9Jitzc3wHUwHAQio6Z7AuRpDPoM540ZNmzPqCwDcD8mzJYhgQJKzbxID87bIFbRjq-56=
pjxipt60yj3JAf20637J6zfFIlT-irhYWOci1QuZWg-NKx6WXmmHbotbBH2L0fYAy73GE%3D"=
 target=3D"_blank" style=3D"box-sizing: border-box; text-decoration: =
underline; color: #007db7;" rel=3D"noopener">listen on all major podcast =
platforms</a> or from the PensionBee app. =
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></t=
body></table><table class=3D"row row-5" align=3D"center" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
class=3D"row-content stack" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; color: #333; width: 600px; margin: 0 auto;" width=3D"600"><tbody =
style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td class=3D"column column-1" width=3D"100%" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; font-weight: 400; text-align: left; padding-bottom: 30px; =
padding-top: 15px; vertical-align: top; border-top: 0; border-right: 0; =
border-bottom: 0; border-left: 0;" align=3D"left" valign=3D"top"><table =
class=3D"button_block block-1" width=3D"100%" border=3D"0" =
cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div class=3D"alignment" =
align=3D"center" style=3D"box-sizing: border-box;"><!--[if =
mso]><v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bvPRR7968d770Hda1KrNFXh8MYQPxmdlqBVCQGYwtdr45WOuqG-iYQOEF1Dof4hYjGVMgRAsO=
2Xa2tsABvpmxDtob5qWoZNTEuJqUjxTHh-JShhMm67vY5WIcc-9IM7Cu8xhYZlH7coG6k_kT1=
yHMEq3oE8nhAcHev29ygP0l4JhU_I1fuc9G4oJ0VYoqJMMCwtAjQvEYaeye0o_DtRMqEU%3D"=
 style=3D"height:47px;width:128px;v-text-anchor:middle;" arcsize=3D"26%" =
stroke=3D"false" fillcolor=3D"#f9c000"> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,5px,5px"> <center dir=3D"false" =
style=3D"color:#3a342c;font-family:Arial, =
sans-serif;font-size:16px"><![endif]--> <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bvPRR7968d770Hda1KrNFXh8MYQPxmdlqBVCQGYwtdr4BUMqaSS1Rg7nj4dtlJIeCLpImihBu=
0ZVGZs8mo05JsJ1PvOpM6OpaR-tWqaW_M0cZRxrO35yifBEjljjFha1rCZiPBAJwtqcbnmy-1=
cIdxEbwWDwBLkr5K_YynldjrZ1inlxS-DyFvYtAA9G3MuIuRFusaTZCu0Eg_0vfw1k3vQ%3D"=
 target=3D"_blank" style=3D"box-sizing: border-box; background-color: =
#f9c000; border-bottom: 0px solid transparent; border-left: 0px solid =
transparent; border-radius: 12px; border-right: 0px solid transparent; =
border-top: 0px solid transparent; color: #3a342c; display: =
inline-block; font-family: Arial, 'Helvetica Neue', Helvetica, =
sans-serif; font-size: 16px; font-weight: 400; mso-border-alt: none; =
padding-bottom: 10px; padding-top: 5px; text-align: center; =
text-decoration: none; width: auto; word-break: keep-all;"><span =
style=3D"box-sizing: border-box; word-break: break-word; padding-left: =
20px; padding-right: 25px; font-size: 16px; display: inline-block; =
letter-spacing: normal;"><span style=3D"box-sizing: border-box; =
word-break: break-word; line-height: 32px;"><strong style=3D"box-sizing: =
border-box;">Listen now</strong></span></span></a> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></div></td></tr></tab=
le><table class=3D"text_block block-2" width=3D"100%" border=3D"0" =
cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; word-break: break-word;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: sans-serif;"><div class =
style=3D"box-sizing: border-box; font-size: 14px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 21px; =
color: #343a40; line-height: 1.5;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 21px;"><em style=3D"box-sizing: border-box;">With =
investments, your capital is at risk. Pensions can go down in value as =
well as up, so you could get back less than you =
invest.</em></p></div></div></td></tr></table><table class=3D"text_block =
block-3" width=3D"100%" border=3D"0" cellpadding=3D"5" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; word-break: break-word;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: =
border-box;"><div style=3D"box-sizing: border-box; font-family: =
sans-serif;"><div class style=3D"box-sizing: border-box; font-size: =
14px; font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; =
mso-line-height-alt: 21px; color: #343a40; line-height: 1.5;"><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
font-size: 14px; text-align: center; mso-line-height-alt: =
21px;">&nbsp;</p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 21px;"><span style=3D"box-sizing: border-box; =
word-break: break-word; color: #000000;"><strong style=3D"box-sizing: =
border-box;">Have a question?</strong></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 14px; =
text-align: center; mso-line-height-alt: 21px;"> Get in touch with our =
friendly UK =
team.</p></div></div></td></tr></table></td></tr></tbody></table></td></t=
r></tbody></table><table class=3D"row row-6" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top; border-top: 0; border-right: =
0; border-bottom: 0; border-left: 0;" align=3D"left" =
valign=3D"top"><table class=3D"html_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; text-align: =
center;" align=3D"center"><table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" class=3D"em_p3" =
style=3D"padding: 15px 70px;" valign=3D"top"> <table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td valign=3D"top"> <table align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
290px;" width=3D"290"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 130px;" width=3D"130"> <tbody> <tr> =
<td align=3D"center" class=3D"em_h0" height=3D"31" style=3D"height: =
31px;" valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1594306518/ema=
ils/New%20template/Telephone.png" style=3D"display: block; max-width: =
30px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"30"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top">020 3457 8444&nbsp;</td> =
</tr> <tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Monday - =
Friday: 9:30am-5pm</td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"123" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1594306518/ema=
ils/New%20template/email.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"30"></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 9px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 12px; line-height: 22px; color: rgb(0, 0, 0); font-weight: =
750; text-align: center;" valign=3D"top"><span style=3D"color: rgb(0, 0, =
0);"><a href=3D"mailto:contact@pensionbee.com?subject=3D" =
style=3D"text-decoration: none; color: rgb(0, 0, 0);" =
title=3D"contact@pensionbee.com" =
data-linkto=3D"mailto:">contact@pensionbee.com</a></span></td> </tr> =
<tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Send us an =
email and we'll get back to you as soon as possible</td> </tr> </tbody> =
</table> </td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1600088483/ema=
ils/New%20template/Chat.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"28"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 7px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvedK-IGRA3UJyvqTVxWS61q-bxGcxYcWD7mJN8Xry85a30FctC3u9=
UdOfgFJFxzvvKxlcQDq8wYEt5kcN_sx-s4Rva-oFrFJKOXhsD0cpjSYiTyDvMohllgNUuWdIf=
9X3Vmr_i8cKmtcdvmqmy7m4pr3KPefv8g9YFtFvSTUipe-Jn-3DpLEV0dmLEkUgqnWlfYcMHz=
y3BPloA-AbGY6iaOK" style=3D"text-decoration: none;" title=3D"Launch live =
chat" data-linkto=3D"https://"><span style=3D"color: rgb(0, 0, =
0);">Launch live chat</span></a></td> </tr> <tr> <td =
class=3D"em_defaultlink" style=3D"padding-top: 12px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 11px; line-height: 16px; color: =
rgb(0, 0, 0); font-weight: 400; letter-spacing: 0.3px; text-align: =
center;" valign=3D"top">Speak to a member of our friendly team now</td> =
</tr> </tbody> </table> </td> </tr> <tr> <td =
valign=3D"top"><br>&nbsp;</td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> <table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: 600px;" =
width=3D"600"> <tbody> <tr> <td align=3D"center" valign=3D"top"> <table =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%"> <tbody> <tr> <td bgcolor=3D"#F9C000" height=3D"12" =
style=3D"height: 12px; font-size: 0px; line-height: 0px;">&nbsp;</td> =
</tr> <tr> <td align=3D"center" class=3D"em_p30" style=3D"padding: 30px =
20px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td =
align=3D"center" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
442px;" width=3D"442"> <tbody> <tr> <td valign=3D"top"> <table =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 279px;" width=3D"279"> <tbody> <tr> =
<td align=3D"center" valign=3D"top"> <p style=3D"font-family: Arial, =
Arial Black, Tahoma, Trebuchet MS, Verdana, sans-serif; font-size: 12px; =
color: #aaa; text-decoration: none;"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bn5J77ndjnABuH2SkW5113UofvEEThPzznUFjQ_qTeC0MMaD3BDtjM3uydyYI-P_Cx8lWFf-z=
LvvVi44BZXXGppoXuAKV9qTyAMb3Jkkv1OEi90ZGfEV0Y0NxlJcl-XZ6CEOHVGtyFue0PEasd=
_skzjEF3xqjRXePzzBBprozyzP9NAH5AU4ob8o1hw5u_GgxMWpgnEFe7JbkKVRpTv_vaIGRaj=
4PBXF0WXC6_56f158Pf5hzTKIYb23jg7WAjkfOouxFZ-cFc4sZaZh3l-6gtOr3xKZe7ZODGiZ=
RXttldf6TGmKnKUGZuiOhMeVshZElw%3D%3D" rel=3D"noopener noreferrer" =
style=3D"text-decoration: none; text-underline: none;" =
target=3D"_blank"> <img alt=3D"Trustpilot rating" border=3D"0" =
height=3D"16" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/text.png" style=3D"max-height: 16px; margin: 0; padding: =
0; width: auto; border: none;"> <br><img alt=3D"Trustpilot Stars" =
border=3D"0" height=3D"40" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/stars.png" style=3D"max-width: 160px; width: 100%; =
max-height: 40px; border: none;" width=3D"160"> </a> <br><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bn5J77ndjnABuH2SkW5113UofvEEThPzznUFjQ_qTeC0MMaD3BDtjM3uydyYI-P_Cx8lWFf-z=
LvvVi44BZXXGppoXuAKV9qTyAMb3Jkkv1OEi90ZGfEV0Y0NxlJcl-XZ6CEOHVGtyFue0PEasd=
_skzhslKonv-_rtHVP4dADxz_k-BvzcuF9GsAt45kWKSILcEIjpa1260LnZ_vaOhhq8Fp-HwA=
zMYNMUpbVHew3WEyCI21Ntt1Gz3tkSlM4DIDSpEKzkR43vBs8XsJZtkKuv10YZ_Ltx92LF-Sv=
cD4C-ZymNURxkNVAZxYbmFFtiOj8qA%3D%3D" rel=3D"noopener noreferrer" =
style=3D"text-decoration: none; text-underline: none;" =
target=3D"_blank"> <img alt=3D"Trustpilot Logo" border=3D"0" =
height=3D"20" =
src=3D"https://emailsignature.trustpilot.com/brand/s/2/logo.png" =
style=3D"max-width: 79px; width: 100%; max-height: 20px; border: none;" =
width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;" =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 123px;" width=3D"123"> <tbody> =
<tr></tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> <table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0"> <tbody> <br> <tr> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
blbznLhBEvgxg9TcSLMgPYM_PrK2yRYKeBMOwjIuuczry7ELIHnJqVTLhABUaXaRvlJTWtvkV=
Nk-6_WTUAZ_z83xZBADaMRjhat5M2EZc_Z_zlOeEkMopFdxpNCpNFqxADinoS7CYpfjZe69JY=
9Cp3SqkoHeyjeIaLc0YnR3yA1u14tM82EwJI_b3kOGXvA6o6IZPc6dDxMnK1l_YB11y4ks3ef=
BOcS6lNLsJoO5ornc" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586871575/ema=
ils/New%20template/Facebook.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"32"></a></td> <td class=3D"em_w1" style=3D"width: =
30px;" width=3D"30"></td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bp4a6k-AkhY5hdDznHnTQi1De24ESx-hXom9mRgB8e1hpUw2LMn4w1W6RHWUhRvsBWKRrNst9=
6YBSLQRz2X7trxWqi5TB6VBHpiVnKLehM_Bbj1AM-L467zMpUcUvVO5tadUq2NSZNhQqnHZHL=
7APWtIxDW67l_C5xPakzuDAb6rbL5wRrZWxwwsmjgQHL5vkvjEZir6U_dTchybcsSlnnA6y08=
2RxDdohNZuHwWZFb4" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1696252193/ema=
ils/New%20template/Icon-Social-threads.png" style=3D"display: block; =
max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
height: auto; width: 100%;" width=3D"35"></a></td> <td class=3D"em_w1" =
style=3D"width: 30px;" width=3D"30"></td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bj3efKkU5HFNPi8JZ5cKPh4MwLgjtEUoDli4qmYrykbCQRorJetSpL7e5gW7Ei52LLQxpHC5u=
aUSqUTGIpxYxTPVZ6yE-O2AQ7bmABqtVfeb4f92IjGnKbATFO2O-8bj6jfIcpPw9M6Q5cX5PO=
zxUGFGonDwPJQxfUfRdR6hYWGQWKxZ0pkwUh4OmIJ7loR13m7m_0yEk-kltR-7PDwfjCofy7W=
CQt-LqVBk0i3qpR4w" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1674058221/ema=
ils/New%20template/Icon_TikTok_State_Active.png" style=3D"display: =
block; max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
height: auto; width: 100%;" width=3D"53"></a></td> <td class=3D"em_w1" =
style=3D"width: 30px;" width=3D"30">&nbsp;</td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bhutKK9DA2mWcVSi5mM5DHtVP1fphscR87FBThRarSHao_yILcX_NUNkzUEd2_rV17qaH4Id_=
OsA1fkw0lJFG7EFl0v40EpO_SiyuWDadPJItjyZqBrsNNqy9FuJjG8TZdYoWtNnwzXBqjuyqj=
lQe10rOoiQxpJEMjhwF48g0PV1Qe1_YSG1KiC9M4sKVDYKdbhaT0LflcBm4fMTFqzg06ZNMOk=
iFYFIyY1-Rm4-Aq5q" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"tw" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1696252192/ema=
ils/New%20template/Icon-Social-twitter.png" style=3D"display: block; =
max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; height: auto; width: =
100%; text-align: center;" width=3D"35"></a></td> <td class=3D"em_w1" =
style=3D"width: 30px;" width=3D"30">&nbsp;</td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
boE7mXx_Q3MHWO-gn4Sj_aIYM-5mn_z9zFoBM3lYvJ0YcNQwmiERv9Aqi2R1Sqg3C1TG7k1_I=
5DwOaGvVocucDxeHmOgUHSbOEKLZRBs2C63wA5vaIDGj72F-1xbaFyWyyet43WJhGnjoQ5Kc8=
9nGQ8wSwrQzZp7RokmeykATmZaSMEzCE4Drdc7C2wW1-Ofvvo-Xij9DjhEaDBoBec5_BfD1DL=
I7d-56JbCb2-_3bEk" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"in" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586871658/ema=
ils/New%20template/LinkedIn.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"30"></a></td> <td class=3D"em_w1" style=3D"width: =
30px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bkzy-p0818OBeKBs4g0XybF3KyBeAUbzvZGa3JubT5xUuNfbeDSc8WmuhvJZYDjgrU4tGaqzw=
G1DuzP_24TUw0r5MAbrb9pFzUO2ukgxZ10KpTb1R9IrGaHBBCgHKSiTgtcGZGa1wBpCToFbLr=
cme6_x37ZO-SiV5eYrtNQUQMbazMr3oEgDgM9um6jNBMx8EjGx13mjP_hL15m8z-E2aMq-oQc=
8zD2m4CS9R709ujj6pIJR3n0afE9GbMtf8f8EGQ%3D%3D" rel=3D"noopener" =
style=3D"text-decoration: none;" target=3D"_blank" title=3D"" =
data-linkto=3D"https://"><img alt=3D"yt" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586871658/ema=
ils/New%20template/Youtube.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"30"></a></td> <td class=3D"em_w1" style=3D"width: =
30px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bvDDp13AK8T9a3kn1uvwoeOHnLiU8BpDtBsxVB87yXRyjxNlFrz-F478nr4WvCpxiScWRZGwM=
8DlXFHXeo3M8HiSOJMLlVSQb4oEiKUq6u9WJRMD9ETXY4VDQZZhVG71Vq_kK9w-KmsA6py2NH=
ad3N20O-ZUaY-IEmmkM5e1tEUDMDL0ehqhhXlTDhNLl413fR997obzkgm37sEv6l2t5pkhAh6=
NGkXBpQ-0BDjh4PaL" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"insta" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586871658/ema=
ils/New%20template/Instagram.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"30"></a></td> <td class=3D"em_w1" style=3D"width: =
30px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3De18be521ec364e379f1d49f8849a3ba9&_e=3DItFlJCxu_9FLshee999d=
bnDoHa4JrxbwjI97I3akvefQayC3veq5jw9gR-sgMNa2n6Ccbr2I6XFyynVpv6JwgqLP7b9eO=
ZeUHCkbLoUX8U1a9iqiE-oHeqElejjTTx-6ww1pdo1Wkl5amZBcZMCIiBNBov1zvNXCs2QIVq=
pz-ZO5nCXNxy3CSAkmos2OOxcOJKYLwafuEUJXD7WNwYP5nVA9KNlM7UQ1olZZ0UbBLsYbAPM=
rsQoXiDsbHVS7ZHnD" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"insta" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1656070367/Ico=
n_Podcast_State_Hover_mtpq0h.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: rgb(0, 0, 0); padding: 0px; height: auto; width: 100%;" =
width=3D"30"></a></td> </tr> </tbody> </table> </td> </tr> <tr> <td =
align=3D"center" class=3D"em_defaultlink em_pt40" style=3D"padding-top: =
47px; font-family: 'Open Sans', Arial, sans-serif; font-size: 14px; =
line-height: 22px; color: #343a40; font-weight: 400;" valign=3D"top">If =
you do not wish to receive any marketing emails,<br =
class=3D"em_hide">please click here to <span style=3D"color: rgb(0, 0, =
0);"><span style=3D"text-decoration: underline;"><a =
href=3D"https://links.pensionbee.com/e/encryptedUnsubscribe?_r=3D941fc187=
2f5648a9becb28376f6c197b&_s=3De18be521ec364e379f1d49f8849a3ba9&_t=3DoCtvH=
rgrZW9NDObuOUUbYlqXfJa6f-qWgEUHQmiXpkP4gUKf-SASdiVlbjkU80FeMs3JO9UuBbl__q=
-vV4JZbF8Ddg-fapOhddHo2Hemn9QfZAdfAzmZIUisgquZUp-MnW1TOTlcS2wN1tkLolItEJp=
AQm3gOsCcBveuPq9pFv7z17jKfd4ZgeWG15tIT6NA" style=3D"color: rgb(0, 0, 0); =
text-decoration: underline;">Unsubscribe</a></span>.</span></td> </tr> =
<tr> <td align=3D"center" class=3D"em_defaultlink em_pt25" =
style=3D"padding-top: 32px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 14px; line-height: 22px; color: #82949e; font-weight: 400;" =
valign=3D"top">This email was sent by: PensionBee Limited<br>209 =
Blackfriars Road, London, SE1 8NL, United Kingdom<br><br>PensionBee is =
authorised and regulated by the Financial Conduct Authority (FRN: =
744931) and registered in England and Wales (Companies Registration =
No.&nbsp;9354862).<!--<a href=3D"%%profile_center_url%%" alias=3D"Update =
Profile">Update Profile</a>--></td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> </td> </tr> </tbody> =
</table></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table></td></tr></tbody></table><!-- End -->
<img border=3D"0" width=3D"1" height=3D"1" alt=3D"" =
src=3D"http://sp.pensionbee.com/q/fOUF8rdwrU5r9JYERMCWpA~~/AABRIgA~/RgRpD=
KTvPlcFc3BjZXVCCmcO7x8qZ9GVJphSE2JvYkBzYXJhaGhhcnZleS5jb21YBAAAAB8~">
</body></html>
------=_NextPart_000_0471_01DB306F.5180F2F0--