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From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: What's the magic number for a fulfilling retirement?
Date: Fri, 15 Nov 2024 12:34:52 -0000
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Join now and combine your old pensions. 
<https://links.pensionbee.com/e/eo?_t=941fc1872f5648a9becb28376f6c197b&_m=a9b6dc98aaf54989bdd091479f9c5c94&_e=jqwSr78wvgPMpzfleQBknHzBLigYKAWBN7E4PCnPKpv-Z3nB7M0riUacydIw4-4Wkq4r_Jo0Yc6izGf2Y0tVvkFQmnZCKS7FohTgONumqR6pXQZ65z2GyD_tdG0jL7HUNSNKv2KPmT1lp3tzin3FYw%3D%3D>







View in browser 
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 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a9b6dc98aaf54989bdd091479f9c5c94&_e=eoZCT9rXn5vkFNTjTbKahV3nPZwG7N-xeNt0dD_BaaPZJlNto7tusTttloiGrhFvFOuOmG5znUdWa4CECDokW7msSpLQGsieYMb-f24I6gcUa7RGWnYAGYPFCxod_qfBafE8gHv1sP6dZSrE0uAkWvHRkJn93wDAr7FwWuVr_llZYkJxWNwWa5yUJPuhnqjAMJTdk4BnFRjOdv238Y-zkCYcTGHUP-n8A2kRxsnuFSdng9jVQZzS6M8skyhuH3P4f3oiXZV-Ram9ffJW7giDTA%3D%3D>
Log in 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a9b6dc98aaf54989bdd091479f9c5c94&_e=eoZCT9rXn5vkFNTjTbKahV3nPZwG7N-xeNt0dD_BaaPZJlNto7tusTttloiGrhFvFOuOmG5znUdWa4CECDokW7msSpLQGsieYMb-f24I6gf3v2gzyUs43N4eCIytLk8xOzRzqWKJ4xKGJJUCqHgmPTWp7mCEkO3DZLeVYT-uNqSxUXvHEa67QdE1MmghNCOkXJlM91QkX1U0P_RHsbU6_i3I-pGkRtfl-XjgDAGODXOPFOIrLj725fJjIbA3cl1JAAKeo1KyWsrDsYwihSR00w%3D%3D>

 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a9b6dc98aaf54989bdd091479f9c5c94&_e=eoZCT9rXn5vkFNTjTbKahV3nPZwG7N-xeNt0dD_BaaPZJlNto7tusTttloiGrhFvFOuOmG5znUdWa4CECDokW7msSpLQGsieYMb-f24I6geJmzxxp1KlIaRPZ0Di1qYE2I6Sa1FQhSmXZnEWkwoi5M_fRJJlYtbmYzs6DgqWYfjOlcdldQ0Sa90OkUqorDBxe8jNJ48u8pAadQqWIhO224laGWsh4V71UG4pljuyobfBqG4Faj539NcPe_aZVuiIi-px3uL-0yWsp9iN-9ZkQQ%3D%3D>




Hi Robert,



What does a happy retirement look like to you? Whatever your dreams for 
retirement are, it can be difficult to know how much you’ll need.

The Pensions and Lifetime Savings Association (PLSA) developed the 
Retirement Living Standards to help savers picture their retirement 
lifestyle at three different levels.

The standards, ranging from ‘minimum’ to ‘moderate’ and ‘comfortable’, are 
visualised in real terms by using goods and services like groceries, 
transport and clothing.

*	For single people, achieving the minimum lifestyle requires £12,800, for 
couples it’s £19,900 per year.
*	For a moderate lifestyle, a single retiree would need £23,300 and a couple 
would need £34,000 per year.
*	The highest retirement living standard is comfortable for which a single 
person would need £37,300 and couples would need £54,500 per year.

Complete your sign up and start saving for your happy retirement today.


 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a9b6dc98aaf54989bdd091479f9c5c94&_e=eoZCT9rXn5vkFNTjTbKahV3nPZwG7N-xeNt0dD_BaaPZJlNto7tusTttloiGrhFvFOuOmG5znUdWa4CECDokW7msSpLQGsieYMb-f24I6gd-SERwWSjGv79bo2Tb66zMxxn4gQ9nVy47nW66B43JnKWEiSrTXYUhsvwE1fUQ665gNRad75BuagwyEXVpgD9EB0vavEAKfvZywhKmD8RVdodCrxjIWKsImURkJ3PyzoIwwBB9EVOpmnlgIhrkCFvSuEwWg4s393GBOoVyz07Lmg%3D%3D> 
Complete your sign up



  <https://res.cloudinary.com/pensionbee/image/upload/q_auto,fl_lossy,f_auto/v1680533352/lifesearch/spot-trusted.png>


Get life insurance. We’ve partnered with LifeSearch so you can help protect 
the most important people in your life, providing peace of mind should the 
unexpected happen.




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.







  <https://res.cloudinary.com/pensionbee/image/upload/v1731507652/emails/Call_us.png>
020 3457 8444
Monday - Friday: 9:30am-5pm  <https://res.cloudinary.com/pensionbee/image/upload/v1731507652/emails/Email_us.png>
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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,</span></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 18px;">&nbsp;</p><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;">What does a happy retirement =
look like to you? Whatever your dreams for retirement are, it can be =
difficult to know how much you=E2=80=99ll need.&nbsp;</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;">The Pensions and Lifetime Savings =
Association (PLSA) developed the Retirement Living Standards to help =
savers picture their retirement lifestyle at three different =
levels.</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;">The standards, =
ranging from =E2=80=98minimum=E2=80=99 to =E2=80=98moderate=E2=80=99 and =
=E2=80=98comfortable=E2=80=99, are visualised in real terms by using =
goods and services like groceries, transport and clothing.</span></p><ul =
style=3D"box-sizing: border-box; line-height: 1.5; mso-line-height-alt: =
24px; font-size: 14px;"><li style=3D"box-sizing: border-box;"><span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">For single people, achieving the&nbsp;<strong =
style=3D"box-sizing: border-box;">minimum =
lifestyle</strong>&nbsp;requires =C2=A312,800, for couples it=E2=80=99s =
=C2=A319,900 per year.</span> </li><li style=3D"box-sizing: =
border-box;"><span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;">For a&nbsp;<strong style=3D"box-sizing: =
border-box;">moderate lifestyle</strong>, a single retiree would need =
=C2=A323,300 and a couple would need =C2=A334,000 per =
year.</span></li><li style=3D"box-sizing: border-box;"><span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">The highest retirement living standard is&nbsp;<strong =
style=3D"box-sizing: border-box;">comfortable</strong>&nbsp;for which a =
single person would need =C2=A337,300 and couples would need =
=C2=A354,500 per year.&nbsp;</span></li></ul><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;">Complete your sign up and =
start saving for your happy retirement =
today.&nbsp;</span></p></div></div></td></tr></table><table =
class=3D"button_block block-2" width=3D"100%" border=3D"0" =
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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" =
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inset=3D"0px,0px,0px,0px"> <center dir=3D"false" =
style=3D"color:#000000;font-family:Arial, =
sans-serif;font-size:16px"><![endif]--> <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da9b6dc98aaf54989bdd091479f9c5c94&_e=3DeoZCT9rXn5vkFNTjTbKa=
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style=3D"box-sizing: border-box; background-color: #f9c000; =
border-bottom: 0px solid transparent; border-left: 0px solid =
transparent; border-radius: 4px; border-right: 0px solid transparent; =
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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: 20px; 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-3" align=3D"center" width=3D"100%" border=3D"0" =
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0;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
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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"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"right" style=3D"box-sizing: border-box; line-height: =
10px;"><div style=3D"box-sizing: border-box; max-width: 60px;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/q_auto,fl_lossy=
,f_auto/v1680533352/lifesearch/spot-trusted.png" style=3D"box-sizing: =
border-box; display: block; height: auto; border: 0; width: 100%;" =
width=3D"60" 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: 22.5px;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
15px;">Get life insurance. We=E2=80=99ve partnered with <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da9b6dc98aaf54989bdd091479f9c5c94&_e=3DeoZCT9rXn5vkFNTjTbKa=
hQ1YauU20PdeLcUcU0mRSpzMUlEev090McxpDmBOZ5S-RR0qTQ32msfRdooT5Y4ZqSffqjQZi=
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u-6raDGTlMBhy6MCY78KPm9-Rg4sdRybNAPrELtEH8dRC2VnyGL2GLKFnlZ6carqQJ96drzk8=
ohhuor0MtCvoYOw7JYxMMRioJTuYEjGGdSACW05393v0VrkTf-1FrkvkwPXY2O1DopX096LFM=
HM002f5VlU5D-b-EdFCJ50Hp4lscyXZzAIPN70BR3E%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: none; color: #007db7;" =
rel=3D"noopener">LifeSearch</a> so you can help protect the most =
important people in your life, providing peace of mind should the =
unexpected =
happen.</span></p></div></div></td></tr></table></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 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: 14px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: =
16.8px; color: #555; line-height: 1.2;"><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 14px; =
text-align: center; mso-line-height-alt: 16.8px;">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.</p></div></div></td></tr></table></td></tr></tbody></table></td><=
/tr></tbody></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; 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/v1731507652/ema=
ils/Call_us.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/v1731507652/ema=
ils/Email_us.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/v1731507653/ema=
ils/Live_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=3Da9b6dc98aaf54989bdd091479f9c5c94&_e=3DeoZCT9rXn5vkFNTjTbKa=
hV3nPZwG7N-xeNt0dD_BaaOeSGhLioBhPVLfrufwhSFO1elckoLslf547_UYwkNkyj2OfLdud=
O4OPxo9JRjimO4ZW7aAI6IltZ00hgaJJo5E14lDCod5Ws_BSvzh08nvOjmp3YqaGWIaFwiGfW=
0jGGAy5pwAWG6v3TEr8OaPx6tT_2-VyqHtCKEZ1j88zIAxkJlaoY00WBTNGXXkvlaP7dl2YZh=
cWq_8nflX3wCOZdsq" 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=3Da9b6dc98aaf54989bdd091479f9c5c94&_e=3DeoZCT9rXn5vkFNTjTbKa=
hVlE_BfPfs6uK6NQn7Rkmohmamqvb-zngCJrfDR-n2chBmBQQ2Jf3bBt7lDFcXqnvBZXAG9b3=
2HPh7fd6IDWMyiHGf4Utcw57Fb-kqvUV0sCR4uj_PvAuD8hwbi1qg2dmPXIn3eSO31QOBNo2R=
96CJnQhOIgGvEBi73znWnQuegbBN6lH0LvZfJ7x9IthdujmasSRC2oSL34QmbAhNyfiSs14Vg=
hZdJEfTgM28qurB_TrLEHQGuQ1Jl-cuyKPcKMnfrA-nBQhGUv4jRqRY9klGVeuk9rKo8bg245=
MCOQ7yuH-t1KQ1uZihWgXgezW89u8A%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=
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width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;" =
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valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
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style=3D"width: 15px;" width=3D"30"></td> <td align=3D"center" =
valign=3D"top"><a =
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15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
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15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
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style=3D"width: 15px;" width=3D"30">&nbsp;</td> <td align=3D"center" =
valign=3D"top"><a =
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15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
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