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From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: Bring your old pensions together in 2025, Robert.
Date: Fri, 26 Dec 2025 16:01:04 -0000
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Make managing your retirement savings easier! 
<https://links.pensionbee.com/s/eo/94dAK3VycH5b7oct7xlXLoCChZijabbjNehDX0u_EikcCfjFz8auxm63WFfqM6OqBQixIlBd4MViOk6kcvZoew3wApRMp67YuXHIAKzgzStO5bDKygvmjloeC5_g4LgZF8j67oLO3XjqtLNJMF5BwuZz6aqYyLXrxrwsQToAhtsVQciLHfQwwcRxSIjd6IByNhIJlb3LJuDBdYasvkccSM98g04D1CsIwA/FwppR6y_bPHuDcziWQXNQANOPwcvMT87/16>







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Log in






Hi Robert,



Ready to leave pension stress behind in 2025?



Your PensionBee account is waiting - and it only takes a few minutes to 
finish setting it up.



All you need to do is log in, add your old pensions, and we’ll do the rest.



We’ll contact your old providers, handle the transfers, and keep you updated 
as everything comes together.



Then you can head into the new year feeling organised - with your pensions 
in one place and your future that bit clearer.




Get started today


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://links.pensionbee.com/s/c/CLnFfwan-aVQsqLhupqBkdcX8bqIUqodJjJhFLoy0v5nLMfKQP675FEshshybeOmyiPCICWS60-tRJa6NkrWOr1x6DDajJoGJzILBvdXd38gY3ZOz7b_C9Bbmvl1ZuUXN2N8XzcLNaa59X5Gx_Hh7zyy8aJQhHoLaXLP10OHK574cQ7CJpNpf_UXi5VQ7w8aH7Dx89OdY_LF7sFCzXl1mvD10HwYGd7_uFUip5B3sa7uYGmDJXk81t7goM8OFltVVBgDFYkvrtPk5_1nlzeYZYkPdV29irXCzA9796FQo_83aEhfAOgEA8o36FXOk-a_nSpOa5x0YnEx1lOiNrxoH9ALUrnwG-GZn6xoCeGxvJHMleYQA4A3lNz3bNH_tafOfGM3Cvmc3sjy/neXe8w6yVlg9d0cw7WQE4J7WrEx0euOE/16>


Imagine hitting pause on your career, not decades from now, but far sooner. 
This month on The Pension Confident Podcast, we’re unpacking 
micro-retirements: what they are and if they’re the key to thriving in 
longer lives. Read the transcript, listen on all major podcast platforms 
<https://links.pensionbee.com/s/c/gD4jKqW4vsmJYoJVH5XB7xVkxjNfS4ws7DeXH5u2AlrrDMF7Uw6a1D5igTrRSMDg1RcJy5p2lyTYxVpEotTlAIsRmCHQGWFpkkIFwf6QQzkp-rA9aSeNeWXMQk7t7U7svpvddVVUFA9phkas195LQV_nPxEL0LwD8DutkXjd7-HxkYvgoVIN7lnoIDEce1pw2S5saPvnghPIxnLIWu3R6IhcfFNMZiREPpgtHXlTbWXrxqos_Lejr58TbYmMt8sxVyonsMDMUE8Wv_zev59Hh0OM3bjiIIt6PK7YTCVpiyntKNDNjvjXtPs3Ldq78Mc6CsvIFMOw9tEyr5T1KyrdXzTudfgXWvqZXokCganKgn_DCZlpI2V0PIcs2_o5VCC1b6BJdglGZAga/8Il14W0QZ0P7nCCOhguMDxTdOIROZK_x/16> 
or from the PensionBee app.




Have a question?

Get in touch with our friendly UK team.







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(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/s/vb/NEUOj31vzLDYbYt5Gz-VrffIdhkGvcd=
5ETzY3T8cJAs5EFWyWa4_laeVG1XuE24_rLuKQr_mJaWSdI2FTVI9osI4DUTGB2IB_MaJ4kmG=
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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:#343a40; =
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/EiW0dWAfODb1Sp92jP2bL2ubHLZi7IcC=
FlLlwBEsgXS_VV8qp4Qn_OLPjyqjoXpaldP-J-KJuExqhmgmDnti0UBzYiTtUIEYv78MR5o_p=
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ibQxQEKZqKLoe_0eyWxJkgKe-REJlA5a16ctiF163xd6LZOQnjdAGSxqUTcbAsYWosG5Qb2Bg=
K8SvgsI7LUD1gsMNQOkK8EkOTdfwIQztHELhK9sg-HVqAEL-p_5PXLzk414bjgZ8SB0mDgf6k=
oXYu5sbrfmhr2t9H8tSKKXsFxG4srqvK-Eg-ESVBg9_qv7dqXW3nLkaqmQYntA_-RoiC9QAhW=
56fj2-Gh3JblR_q-nFH633vubSb_pr4Fqqf_9uBKq_9yjMyX_GrAA/ra1S67qPBFDoWbwygwf=
uo-omE6_4AqyL/16" style=3D"text-decoration:none;" target=3D"_blank" =
title=3D""><img alt=3D"Pension Bee" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731506007/ema=
ils/email_templates.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:#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/u90UHlGAhvrvcTKzqW1PDKpc8EfwYdhg=
WOYtexw2tpc_HnDlKzq4T3FJpTOcNp5nYeNkJUpfzEL5EHn2erZBn0zgCoH9zzdwMgi87T5Xz=
-54vZhYMnOG7ygsRrFp9hRdDBuH3zyInC2QMotyWTftGPCQnorl_SYU5g8a3cc657npAgOy51=
85olYKx17JwXUZaENg6qJtNqg7QYL_bo6ehObkDGBUGMjwuabKyIduZXKT77hYfz4HH9jitKo=
-o3TbLsutS4B_7OICI-ShZ-irkVKRMlPY5VPOpMDFC_cEpmHgnlLEkZUV7YGt65qSS1QuYjVn=
Vxozl6uGO7QLR4LnfRtCHCbogAf0igF7r97r-99KXswH05q3-3koRqx5t9IvTG0JuyqxVOkC_=
1n7VMmy3orHZAn-4RvM5cLmQ_7KxIA-VhVUWJYZx22Y0s376QUiDw/J8fr1ZpWNaqEXomTBSO=
lVtea0nqVKgft/16" 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/p9SNK7cjgMfXTIXADskt9suGE6PE50nb=
SVIqMcPYkuAEOrm-6TX_ZKEzlJSihWo0sADD3j9Cb2FGqo5IiJx3Y2bB8DVRKgh2QQTBgdMUN=
5mfHFA346sNcYX-XCi1k_mzXwn64-kwJ9gQp7HWiAmATT_cd2pOme3WC_kMxlsVV_AobQQbCJ=
L4sJp3yIH8x3oDKeZCH4S43HCXm9Uqdv0rFNnO7Y75xozJ8qN7H_fYLbSswsyFGHprD5JLQU3=
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88TYhYInB_eagIYtnmLqHTbo5TrbredioC5qOzr6tUXr1xfOMuZgmky/yGAL-jIMUP_IaU5Hq=
rCU_ONVsYjSXJ7J/16" target=3D"_blank" style=3D"box-sizing: =
border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1763567985/ema=
ils/2025/Festive%20Campaign%2025/Festive_-_finish_setting_up.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-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"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;"><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;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px;">Ready to leave =
pension stress behind in 2025?</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;">Your PensionBee account is =
waiting - and it only takes a few minutes to finish setting it =
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><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;">All you need to do =
is log in, add your old pensions, and we=E2=80=99ll do the =
rest.</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;">We=E2=80=99ll contact your old providers, handle the transfers, =
and keep you updated as everything comes together.</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;">Then you can head =
into the new year feeling organised - with your pensions in one place =
and your future that bit =
clearer.</span></p></div></div></td></tr></table></td></tr></tbody></tabl=
e></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;" 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/iA9Ol4xl0tyLkr2FkjtZXMgaS2f1QVc4=
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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;">Get started =
today</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-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"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;" 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: 20px; padding-left: =
20px; padding-right: 20px; padding-top: 5px; 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: 110px;"><a =
href=3D"https://links.pensionbee.com/s/c/CLnFfwan-aVQsqLhupqBkdcX8bqIUqod=
JjJhFLoy0v5nLMfKQP675FEshshybeOmyiPCICWS60-tRJa6NkrWOr1x6DDajJoGJzILBvdXd=
38gY3ZOz7b_C9Bbmvl1ZuUXN2N8XzcLNaa59X5Gx_Hh7zyy8aJQhHoLaXLP10OHK574cQ7CJp=
Npf_UXi5VQ7w8aH7Dx89OdY_LF7sFCzXl1mvD10HwYGd7_uFUip5B3sa7uYGmDJXk81t7goM8=
OFltVVBgDFYkvrtPk5_1nlzeYZYkPdV29irXCzA9796FQo_83aEhfAOgEA8o36FXOk-a_nSpO=
a5x0YnEx1lOiNrxoH9ALUrnwG-GZn6xoCeGxvJHMleYQA4A3lNz3bNH_tafOfGM3Cvmc3sjy/=
neXe8w6yVlg9d0cw7WQE4J7WrEx0euOE/16" 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"110" 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"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;"> Imagine hitting pause on =
your career, not decades from now, but far sooner. This month on The =
Pension Confident Podcast, we=E2=80=99re unpacking micro-retirements: =
what they are and if they=E2=80=99re the key to thriving in longer =
lives. <a =
href=3D"https://links.pensionbee.com/s/c/MVhmuK3BR0yHl0Emrp-J_1PAkt-uvMDf=
IcG_nTfFawsaO3_bpENmkjgcDUemv7LE0mMWYNW6-WglNKBQqPKFwvlY5Z8L5zYMqzAMy-qo-=
OkZqIoaGSJXZlaheReRR-VC0YEHYK65IluklV_h2Sbj-h6QudKNzMPTJ-3jkXcHhH4cwEzlFl=
rYD3LRAahFNIblfKeCT1n33WOwdhzFNJZ-nYjhZpw2aqdA590o_1hAMvmamyj3q0PeRfkXZvE=
zk2tcJji3c3dnQX0xHKmHeTsmYhqJfmXvZH5BXXmT0T3b56EnUFW16BpD3Ayp6Ro8jq12f_Fa=
gtmHR-ibDwHzcEslb5alWl5NaCN8_pPA6in3FCMngvxtz2vioA5kXCh27kbo2g9VogaZa31uI=
gGB8IN92bhWODjxvH0jKmRW8Z1Wur8g6cxskjZcwa6isLrM0r6vUp1JtK35KtY1PYWu9Nxi_5=
Znz9ZgzW6jwPaOkFplpXqCcbcnoLrYV4ZQzDdkARyMW5Z9/Mx9Zm7euYJpARpjVCJ0RJzm76F=
XHhla2/16" style=3D"box-sizing: border-box; text-decoration: underline; =
color: #007db7;">Read the transcript</a>, <a =
href=3D"https://links.pensionbee.com/s/c/gD4jKqW4vsmJYoJVH5XB7xVkxjNfS4ws=
7DeXH5u2AlrrDMF7Uw6a1D5igTrRSMDg1RcJy5p2lyTYxVpEotTlAIsRmCHQGWFpkkIFwf6QQ=
zkp-rA9aSeNeWXMQk7t7U7svpvddVVUFA9phkas195LQV_nPxEL0LwD8DutkXjd7-HxkYvgoV=
IN7lnoIDEce1pw2S5saPvnghPIxnLIWu3R6IhcfFNMZiREPpgtHXlTbWXrxqos_Lejr58TbYm=
Mt8sxVyonsMDMUE8Wv_zev59Hh0OM3bjiIIt6PK7YTCVpiyntKNDNjvjXtPs3Ldq78Mc6CsvI=
FMOw9tEyr5T1KyrdXzTudfgXWvqZXokCganKgn_DCZlpI2V0PIcs2_o5VCC1b6BJdglGZAga/=
8Il14W0QZ0P7nCCOhguMDxTdOIROZK_x/16" style=3D"box-sizing: border-box; =
text-decoration: underline; color: #007db7;">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;" 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> =
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cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
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<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" =
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valign=3D"middle"><img alt=3D"123" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
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Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
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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" =
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src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507653/ema=
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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/s/c/Q_Bu6uhVRuTttkKSQvBFEt4mF5aPPsvY=
uIdRVK_Q4odoBtPxkNPWf-hvG6NdkOeBI-LIh39nNezf5xBUcLJHjZOWV3trR5wxV8X0d3VNC=
OBfxLRlX8lhn31oOn1ROcOsQaOZE0md7eFpIlnoAEzh8MzqjW6NYXLedXN1lnXpyx7kC3Miia=
fgkKYPjJf3QSnHd6TfpSXsYaaMZKxZy-Q9Bigm65UVTgG9O1C3Iz77TZmvAjT6E4Slp-2rkJv=
pYHans1oA3QVbOg4q4Nb_4CMYKhyY6HPwm57ML4MH9giyq9xFzL-G_T5HzN5Mvt_4b1K3e0UZ=
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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" =
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style=3D"height: 12px; font-size: 0px; line-height: 0px;">&nbsp;</td> =
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align=3D"center" valign=3D"top"> <table align=3D"center" border=3D"0" =
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Arial Black, Tahoma, Trebuchet MS, Verdana, sans-serif; font-size: 12px; =
color: #aaa; text-decoration: none;"><a =
href=3D"https://links.pensionbee.com/s/c/WX_OPKmia8WsE7zb50D1vRlVl73Opd7x=
Su7jW0zEICIoVM9IFWwjAMytKPRNG_BBuKG5Z8kKhzFEdQzQTf6Q7pTlnix5YBuYio3r3Mbxr=
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text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot rating" =
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