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Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: Sort your pension. No, really.
Date: Tue, 10 Feb 2026 13:39:21 -0000
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Hi Robert,




Do you know how much you have saved for retirement?



If you’ve changed jobs a few times, your old workplace pensions could be 
spread across different providers, making it impossible to see your bigger 
retirement picture and know how much you have.



In a few simple steps, you could take control of your retirement savings.



Our blog shows you how to track down your old pensions. Once you’ve found 
them, we can combine them into one easy-to-manage online plan for you.



Here's what we need to make it happen:

*	your verification details: address, date of birth, National Insurance (NI) 
number; and
*	your pension details: old provider names (policy numbers are helpful too).

Because your retirement deserves better than guesswork.




Complete your sign up



 <https://links.pensionbee.com/s/c/Yw1DXtXbUjiwMqXt2eXbjwS3oLLyJrokw4arVfBYPr5KFTMtSc9lvfys9czUA-mXoSs6A__Sp5UWIkvMzpoexh4wByJEOJG0YUsd2cZ-IJhJCgrFDmXc4lzO3lePX5Nv8t4ZKHSPWO-SFAqH8l_B1YIrRVkfTzcLM5EgCEBmbiILEXEpoGU34jwRjyFOxjH3jRbzx0_6r8UXY5oTkIQ2X80H7uDyr1KwCTVJIQJhj6Khy3K3zV4SwJMcWvzmjAxiSBbL6ehRRVUmqI1FeAZHvdCMXgObO1eEM8oitMWrLPMJBp4WqtluWimnXr9tL3K6_LPf8FcymX42XplrytrbQKAApKj0R-oQ0b8kCYVcUg0YkT2Wckg2YEBUUrbANQUyNrKSyCGocDEf/rMDLIXQhOnu2SGC2_THmdsku8hbXLxe6/17>


Where do you see yourself in five years? In a rapidly changing world of 
work, that’s becoming harder to answer. This month on The Pension Confident 
Podcast, we’re discussing how to bounce back if you experience redundancy. 
Read the transcript, listen on all major podcast platforms 
<https://links.pensionbee.com/s/c/iDAOTY990itCvbHXj7haIayezqj5mmekPBa_Tn0KoN8kLPs6-jdRWnz6rA0-b2FJbSTnFjMG2gIIDqYfcbhfBayAeet6aD_PoOpBAJ0gEf9cWeV3EiLr5CQL2r8Jw9s-DnBiXL7JP6I7HvS5kt3k1Px7sJyeic6I62ygMxIzx4ZLRhj3LP-maNYhN3XwteM_N6D5GhDTIIPQ6eEtT2p_G0AjmM3UAe00VOrA6ty0bebBEw9Sqs_Dgj43MqlkbEq5xEFrj5blD0njF267I3pqL2GRxPl9xrCiyG19oS_Ddgk_pdfJc7E9nL5If35BmGCHDELc9vJykKlZEMQUAaRWaZ-SThXij8u_yeB05QKv4CmOTDfZHErD0bVU8CvmdOHb7Zp3hKgQmKNT/xsIe5mk309JzT0XEUO7iXPqzhPHJTnc1/17> 
or from the PensionBee app.




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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.







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portant}.em_w1{width:20px!important}}</style> </head> <table =
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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/s/c/J7AWcglOBLkTkXYrCQSTylVf4ZOCo5mg=
UrgUpGvjwt_Dk-f3EfIxOGDOeql1CZBqvfrmzUVvQaij3QfhnQq0twX0h-U5G777eJW-Ymn5F=
bW-BC3Qj2UCeyzDKFzg-xNqFqPxgxHdkt-ZNd6Xi6d62r4oUoaPfMOmLZnFQgDijtDFO582cS=
nIHR9KX6vfBqCUwYo2m4-mOqfGwRdP4icierENtOOjLUO2eeXvaxjoYiyIOkAHwuKRTIPyMAX=
6yjww8JFF9SRUAxFnmNjldk_Rzzh2XoNwCPH2FVHodBH8IUKuEx-eFyaP68IG8Vbfl87D5xSI=
t1mBqiHmoT8yOqySMSttYELfVYOv1wSDOfF_5UwK6oM2KdBfCwlDrc5M3k8ZapdvsLOHx9xll=
oMA3n2l4JEjw5GqdwO8ug3KMKC3nhBaoQmXBiUfn9Xk6y2DDYbb5Q/otpQQ_6UavaRd18r5xZ=
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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:#f9c000; border-radius: 4px; font-family: 'Ryo Gothic =
PlusN', Arial, sans-serif; font-size:16px; color:#FFFFFF; =
font-weight:550;" valign=3D"middle"> <a data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/k9th9V4QGP9j3kvZjZOLoeb69qML0kL3=
N4rYDTwJX0fmRvpx008zrq42bQ7auG2x33h2UQdV2bWvC1098U2Zew-R-AWbfa8cIIDpGsodR=
92AaT7g_5p89whnxCp4Mhn5TGwLQwDfrC9_42k1b45Oega_avqhHHSB7OYLynK7QbwR2zWd4R=
Hcz-7YVYKsEEUhbXKfjxhfqLMCSfxfXdnIUiYXt1e53tbV96lTWi1WfW-JTSNeRhdvlYDAMcT=
R8vhQx4Ttu0zmxKTtuxycMTqll4Wj29PgFRmnhHMNRfO450udykkC4BTGhbn4pTcoFAnW62EV=
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GMWYy5eterhQm72beQUaB0NQLO6qWD_nzCQtwjyUgUlTke3qilO9w/xIc4cHKq0LTG8oC9yAY=
xv-831aL8rmBa/17" style=3D"color:#343a40;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;"><div style=3D"box-sizing: border-box; =
max-width: 600px;"><a =
href=3D"https://links.pensionbee.com/s/c/3eFat2EAR-smb4UESbY6tU8Coh1_SpKI=
vKtgpo1ZqxcxQ9yWzPWnJOGkCtH_l3jgEYb1GF7qZYTFrtUMdVC8sRdCrK5Jaaz2gOifHSMNS=
37qj_-Sq-OsMDawoSAsfP_3q1Sc1xIyYZBija_G_Cf6GzzjIFB1Et6diP75m2jkiAu0dbYFFs=
kbZ7CDGMDRSmWC01ohC17jjfgMS3h0DwuHuol50dNCvBOLodJ1HqLCUlglT4wCHbvg2U_sEy5=
dgwYGjSiqS8eZZokHFMoPfv0FHmk7o6ZcKRr4fFfX9qfdsIa2qvusdJwDRNMhkyXnTvNdIyOK=
8v8zCP7cQa0wEjWgg-H6smgHsY8mMuZ30AH8wG1SPJoAc6PtnCVpY3gII4IVEtWryqRZ8jrMM=
Eo84fD6ZLqkZ9irGeFVt35pYKUa7eTZtwqBLhWeLLsRZg1mU37FDG-7/_SHg1R_0HJclOvxfY=
dVVbuW0Kon949B3/17" target=3D"_blank" style=3D"box-sizing: =
border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1749569370/ema=
ils/2025/Confused_about_the_sign_up_questions_-2_2.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><table =
class=3D"text_block block-3" 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: =
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;">Do you know how much you have saved for retirement?</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;">If you=E2=80=99ve =
changed jobs a few times, your old workplace pensions could be spread =
across different providers, making it impossible to see your bigger =
retirement picture and know how much you have.</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;">In a few simple =
steps, you could take control of your retirement savings.</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;">Our <a =
href=3D"https://links.pensionbee.com/s/c/wEWSemnQTB_UmcF3aUqlI4wg7aTrPLAM=
pfZ4ovVFOMt0ze9YobBt46huoytZ4xSZitMohkMRmeTSFWr4sSTEl53F62EaUAEdFRRyYtlkO=
ocach-boNXW5VeaRfTpIu254qU63Wf3xRzRcvtcLwdaOFB8f90hsknZ46IQlrXNpKDpbc672a=
EtvwkWuNtdwS-wgNtOnaAK6Kms3Ix85OpGs2sNvxGStxAuQj1qL1NqSh7oCU1sd2t5vf0JgrO=
ceUv1jztzAfczLGOycShgY6P-iUBeijThak8km990qSBZ6G_EjVog8yg5MThTlTwQdBFO-1ul=
OAr6VTCJ5xUo6Itmkp2o90KnMpWYNjedduTsYMnEPTF6P_Q4gKUBseWlIbiWerFimJ2D-GhFa=
-H84BE1t5O06FlS5mbj-xoZEytm_NfZ1swQzCQpEpRVnkDl_WJz5HNCX-F_C19ft_PhgLZ9Rh=
bcoRrDGc6khARsjZr1XJ-7eB6xf6lq-yf4bOvjp-WiKzN5GchZ0W7z3HXW9EHFkguPi1_b3vi=
vNgGG-OnnaGi1Q_ozCdNw/fN82AIpRhivn1YIXBtTuMzshvFqHKdkF/17" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;">blog</a> shows you how to track down your old pensions. Once =
you=E2=80=99ve found them, we can combine them into one easy-to-manage =
online plan for you.</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;">Here's what we need to make it happen:</span></p><ul =
style=3D"box-sizing: border-box; line-height: 1.5; mso-line-height-alt: =
24px; font-size: 16px;"><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;">your verification =
details</strong>: address, date of birth, National Insurance (NI) =
number; and&nbsp;</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;">your pension =
details</strong>: old provider names (policy numbers are helpful =
too).</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;">Because your retirement deserves better than =
guesswork.</span></p></div></div></td></tr></table></td></tr></tbody></ta=
ble></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;"><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;" =
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;"><a =
href=3D"https://links.pensionbee.com/s/c/_8stYNkJjPITAg_BPtEDBJe9ZeKvFhLZ=
43e0O42U0X6x5nFnYhVxPN4SBanpwQXC6rrriLrtBTLTT-Uj7i754QCYdoaXbotmHhZL7pkD9=
i8JgHuvrrVJPGdwA92EmDSgl7X36OhjQ8NWtjvPnhLQAEjL1YP0isUc2i-sVKvfBlcZvps0g7=
NgMonl-JFMnkRGEAlj7-u04Ax7OxX0xeYcWwb3ta65r1_bPhaxpTFlypCGL6-ouCnDlQLFfIZ=
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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> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></a></div></td></tr><=
/table></td></tr></tbody></table></td></tr></tbody></table><table =
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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-left: 5px; padding-right: 5px; =
padding-top: 5px; vertical-align: top;" 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-left: 20px; padding-right: =
20px; width: 100%;" width=3D"100%"><div class=3D"alignment" =
align=3D"center" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; max-width: 100px;"><a =
href=3D"https://links.pensionbee.com/s/c/Yw1DXtXbUjiwMqXt2eXbjwS3oLLyJrok=
w4arVfBYPr5KFTMtSc9lvfys9czUA-mXoSs6A__Sp5UWIkvMzpoexh4wByJEOJG0YUsd2cZ-I=
JhJCgrFDmXc4lzO3lePX5Nv8t4ZKHSPWO-SFAqH8l_B1YIrRVkfTzcLM5EgCEBmbiILEXEpoG=
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rMDLIXQhOnu2SGC2_THmdsku8hbXLxe6/17" target=3D"_blank" =
style=3D"box-sizing: border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1754300520/ema=
ils/Podcast_platform_logo_1.png" style=3D"box-sizing: border-box; =
display: block; height: auto; border: 0; width: 100%;" width=3D"100" alt =
title height=3D"auto"></a></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;" =
align=3D"left" valign=3D"top"><table class=3D"text_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; word-break: break-word;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: =
border-box; padding-bottom: 10px; padding-left: 10px; padding-right: =
10px; padding-top: 15px;"><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: 14.399999999999999px; =
color: #3a342c; line-height: 1.2;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 12px; text-align: left; =
mso-line-height-alt: 14.399999999999999px;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 13px;">Where do you see =
yourself in five years? In a rapidly changing world of work, =
that=E2=80=99s becoming harder to answer. This month on The Pension =
Confident Podcast, we=E2=80=99re discussing how to bounce back if you =
experience redundancy. <a =
href=3D"https://links.pensionbee.com/s/c/tdd27W1AVhFKc0M0FhMKKA59nYRtyuD1=
wwGmpP8fwOlsJcc0MBAwDNCJMKVT2u6D_hWO9FyOfpbnJ_V6r93eK_AWzAeSGzRWKpMb2-OCV=
-NyJcnt44sal5JIKoGcS2CQMP1MamJFmFPGTLAvwS4ykuo8Kbbw85MWmuEF5pNKwqkowGKf9M=
AcY8U0uX4YBGSKE89XHqS2UVSb7o7txqMZx6zEQaazOQjNKPhrQIBxu-tes0Ck4u6M4y0xN7I=
yulhb0n8m3nMxPWT4yuXorJoPrp5f33CZWPBqmh4m0HQXqJFGwig1_H71CXRG7NMf0yRUv3xq=
rfWa4tDvlshIkVXeKnuomyB9zncscTQUM00ZY-B0YAgB1bqmb1o9KlRpwR8YE-wPS2CGXG2NX=
n2esFghocdjj2c1Ey8keWiGE6ueOkaZrmHlsufAljbHb4catHCvttriNkh5jksQzyftF0pACZ=
MMgPDOQFIMGzsTPDQyBoTIQV8njhBTb6oA3ye16amfkA/kZICt6VhQ_rvuej3alsl7NP21tPK=
s06R/17" style=3D"box-sizing: border-box; text-decoration: underline; =
color: #007db7;">Read the transcript</a>, <a =
href=3D"https://links.pensionbee.com/s/c/iDAOTY990itCvbHXj7haIayezqj5mmek=
PBa_Tn0KoN8kLPs6-jdRWnz6rA0-b2FJbSTnFjMG2gIIDqYfcbhfBayAeet6aD_PoOpBAJ0gE=
f9cWeV3EiLr5CQL2r8Jw9s-DnBiXL7JP6I7HvS5kt3k1Px7sJyeic6I62ygMxIzx4ZLRhj3LP=
-maNYhN3XwteM_N6D5GhDTIIPQ6eEtT2p_G0AjmM3UAe00VOrA6ty0bebBEw9Sqs_Dgj43Mql=
kbEq5xEFrj5blD0njF267I3pqL2GRxPl9xrCiyG19oS_Ddgk_pdfJc7E9nL5If35BmGCHDELc=
9vJykKlZEMQUAaRWaZ-SThXij8u_yeB05QKv4CmOTDfZHErD0bVU8CvmdOHb7Zp3hKgQmKNT/=
xsIe5mk309JzT0XEUO7iXPqzhPHJTnc1/17" style=3D"box-sizing: border-box; =
text-decoration: underline; color: #007db7;">listen on all major podcast =
platforms</a> or from the PensionBee app.</span> =
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></t=
body></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;" 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;"> <a =
href=3D"https://links.pensionbee.com/s/c/Ardv0FBFew-HNejRSHchkfZlH10qVE7_=
NlATpbA9uAX2EaJ_3fSNTv2BwFxHShsRX0vn9_WNhS8RRNxDLChcj8mqKyexRrKe_6gb5i89e=
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HhTCJrUMet1bF-m_-xY4p6uLq6VG6aYaeCf_o2hVoB-ViwjioBwAv27NBAR1YXznXoD4dzEc0=
b6PfVFbGjuZYJ9hh0KXK7y91inEILPh6fcR7gMi8PyMlYcs0mb-wFvNk1x_cSXF6oi3NrQ7-5=
z2P5vO_OPNeIJMCYoElLf1RUtOXg2vk6j5otC6504KI7Szw0FB_1P4i05kCq4p7ZBZfeoEUK/=
GDDTfA9IrH0GeQt-B3JNhVadRXAVUKum/17" target=3D"_blank" =
style=3D"box-sizing: border-box; color: #3a342c; text-decoration: =
none;"><!--[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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style=3D"height:42px;width:123px;v-text-anchor:middle;" arcsize=3D"29%" =
fillcolor=3D"#f9c000"> <v:stroke dashstyle=3D"Solid" weight=3D"0px" =
color=3D"#f9c000"/> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,0px,0px"> <center dir=3D"false" =
style=3D"color:#3a342c;font-family:sans-serif;font-size:16px"><![endif]--=
> <span class=3D"button" style=3D"box-sizing: border-box; =
background-color: #f9c000; mso-shading: transparent; 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: 5px; padding-top: 5px; =
padding-left: 20px; padding-right: 20px; text-align: center; width: =
auto; word-break: keep-all; 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> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></a></div></td></tr><=
/table><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></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; 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;" align=3D"left" =
valign=3D"top"><table class=3D"text_block block-1" 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;"><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;" 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" =
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href=3D"https://links.pensionbee.com/s/c/PpSFbAkMTdezVAQqVe8ZJFwvpBsqEeHb=
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d8-CT/17" rel=3D"noopener noreferrer" style=3D"text-decoration: none; =
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width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;" =
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cellspacing=3D"0"> <tbody> <br> <tr> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/ttuck7h4yDjGjH7ONMqlCWNiw1Hg1rDK=
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style=3D"width: 15px;" width=3D"30"></td> <td align=3D"center" =
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href=3D"https://links.pensionbee.com/s/c/kJBbtxTskkDMVMw8gCpiTTL0IgGcenFm=
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15px;" width=3D"30"></td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/Im0oiU3I0ECp0-YVTmu6UJXpIjXz-bPp=
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src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_TikTok_yellow.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: =
15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/YZq9PZUKxg0fczmNX-LeIuOH9OVB9oMf=
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data-linkto=3D"https://"><img alt=3D"tw" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515807/ema=
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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: =
15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/-9doayiP1LvxUDOd-tPGJ5zrdIj72Vh2=
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target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"in" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_LinkedIn_yellow.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: 15px;" width=3D"30">&nbsp;</td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/Mj_69bdTg7fZ2jvnmh5YiYSGJHGw5qjk=
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data-linkto=3D"https://"><img alt=3D"yt" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515807/ema=
ils/Social_icons_YouTube_yellow.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"15"></a></td> <td class=3D"em_w1" style=3D"width: =
15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/f49GE4ITU0ZAZJd-tnR3-w28qNmij_8-=
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