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From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: =?utf-8?Q?You=E2=80=99re_almost_done=2C_Robert!?=
Date: Mon, 23 Dec 2024 11:42:40 -0000
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Hi Robert,



If you’ve had several different jobs, it’s likely that you’ve started and 
paid into various workplace pensions. Not sure who your old pension 
providers are? Take a look at our blog on how to find your old pensions 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=64caa1fa3490472d895c084ce357dca3&_e=QXjak83WDH2Jd5F-bEklYEtlua8Mti9iv2H4Gaq2EUD8gvR634bAfU7sM8mPNQBfs_kZu74qtHLomhQePOl0sRX62VTOD9bSNb-Dt5lI6PHKvUtink6xAfHcOMmn0SOUaTNukHa7k2DzXcoKHdfPwKg8mRR3eOVUeWp6eUuLNd8F2Ka4Dk0EoUYDeddNQWV96RhUCdMOgncnHP8UdbLzOehhWnedU4q5HkEU5cb2OYwQUvtx-cIA357YOcQzrId3AvdH2Jrkv-Kl4ajBw-lKo9MnS2oOwG6D-Yrcz1aizTIleCip61pYbMFbdAHyQ7W0> 
so you can transfer them across and keep track of your retirement savings.

You’re only a few steps away from combining all your old pensions into a new 
plan that you can manage online, or from the palm of your hand!

Here’s what we need from you to progress your pension transfers:

*	Details to verify your identity: your address, date of birth, and National 
Insurance number.
*	Information to transfer your pensions: name of your old pension provider, 
and a policy number would help too.




 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=64caa1fa3490472d895c084ce357dca3&_e=QXjak83WDH2Jd5F-bEklYEtlua8Mti9iv2H4Gaq2EUDOi_qCSB353ZHHNYermlwdUF0uHGVub99jBz-t7MRvB3mvdbj0bVYrTmIAiadpo80d722VGVpJU8g34pEDvDoqdYGBSC6WZS1stLUTx2db9pGSvjXhEEthFbA5UgzuhOkgCcwB28_vA-V6LAGasHMhAVAYhyq_zwYJwJbR6gNcXGwEUODWG8x8kfqIW2AJECDrKVBPbN-ie1-77NPCQ1-NbXWuLANOHewsj50acdlxxQ%3D%3D> 
Combine your pensions 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://res.cloudinary.com/pensionbee/image/upload/v1692616392/headshots/pension_confident_podcast.png>


This month on The Pension Confident Podcast we’re unpacking 10 years of 
changes in the pensions industry. Join our expert panel as they look back at 
the key pension changes we’ve seen over the past decade and how you can plan 
for a happy retirement in an everchanging world. Read the transcript 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=64caa1fa3490472d895c084ce357dca3&_e=QXjak83WDH2Jd5F-bEklYEtlua8Mti9iv2H4Gaq2EUD8gvR634bAfU7sM8mPNQBfPC88UIAO0NS1iz-wA4YC-pJK9BhOgRVO3HEIrzR8dV65TROcEw4ZIvNQIoPhkA45lIB3t5989gftHal8pkkEkNVuLNMp0WGf8BN0z2Uerlrd9rJKY9oVFKhtOxgjFNvHTibPCxGRzjPt3oXtBIxX3Nnc96qom47qeA54dgMKwL5J86YT0kglllU40rx-ahasVffwysu23RFN7Qb1wo9P-OwP8bhAHI77AppHm73XWRU%3D> 
, listen on all major podcast platforms 
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or from the PensionBee app.




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Listen now




Have a question?

Get in touch with our friendly UK team.







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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=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
YEtlua8Mti9iv2H4Gaq2EUDOi_qCSB353ZHHNYermlwdUF0uHGVub99jBz-t7MRvB3mvdbj0b=
VYrTmIAiadpo826Qa8U_TFSVtZ4V6HmGoNcQiCml5z7Nys8kL_nHuhLYTx3A4FjxgF0f6AGbh=
nQoxVHuONRzMR6qJnizrCalBZlWdzYYt7J64yVNGdP-a_zgaI-hmAuU5dY7rmlJtKiOgdie5c=
LVAtx8luBd_0Rm7WR5HYNsGEUkdSGhhTdaTTcYA%3D%3D" =
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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; =
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76f6c197b&_m=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
YEtlua8Mti9iv2H4Gaq2EUDOi_qCSB353ZHHNYermlwdUF0uHGVub99jBz-t7MRvB3mvdbj0b=
VYrTmIAiadpo82bfZ5VL1BphL1Bxaa9wcMygisYFb27KLvo026F__bLI4YaNGOmwsKaFEEPjr=
hH_7zXXxEqSGmc_mcLfKOnLGSpuRjPOginAS51XB0F_pWdpm1LBXX_YYAAof8N0g70DtUBWJi=
16X9Za-1YT87uMsAXAquOGuW267hxsnTkQ91xvQ%3D%3D" =
style=3D"color:#343a40;text-decoration:none; display:block; =
line-height:42px;" target=3D"_blank" title=3D"">Log in</a> </td> </tr> =
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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=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
YEtlua8Mti9iv2H4Gaq2EUDOi_qCSB353ZHHNYermlwdUF0uHGVub99jBz-t7MRvB3mvdbj0b=
VYrTmIAiadpo80n3Fhbu9cywqnGl0ENLKKzbFRmBw3dxpNXCFMtK1EMYUemcgeRwKhLCMlMXn=
QCTXwmt8CjsUzENbE_4o1QWLaG4II2kzf_qEeE5TuTNvorab5a9HFMx20ct5syi-LPpftAkjp=
JryQR1EKG9nXPsYIaRbUF04EUuSigcbA_cWQ4Fg%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/v1733310221/ema=
ils/Festive%20Campaigns%202024/Email_banner_-_You_re_almost_done_2025_1.j=
pg" 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;"><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;"> If you=E2=80=99ve had =
several different jobs, it=E2=80=99s likely that you=E2=80=99ve started =
and paid into various workplace pensions. Not sure who your old pension =
providers are? Take a look at our blog on <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
YEtlua8Mti9iv2H4Gaq2EUD8gvR634bAfU7sM8mPNQBfs_kZu74qtHLomhQePOl0sRX62VTOD=
9bSNb-Dt5lI6PHKvUtink6xAfHcOMmn0SOUaTNukHa7k2DzXcoKHdfPwKg8mRR3eOVUeWp6eU=
uLNd8F2Ka4Dk0EoUYDeddNQWV96RhUCdMOgncnHP8UdbLzOehhWnedU4q5HkEU5cb2OYwQUvt=
x-cIA357YOcQzrId3AvdH2Jrkv-Kl4ajBw-lKo9MnS2oOwG6D-Yrcz1aizTIleCip61pYbMFb=
dAHyQ7W0" target=3D"_blank" style=3D"box-sizing: border-box; =
text-decoration: underline; color: #007db7;" rel=3D"noopener">how to =
find your old pensions</a> so you can transfer them across and keep =
track of your retirement savings.<br style=3D"box-sizing: =
border-box;"><br style=3D"box-sizing: border-box;"> You=E2=80=99re only =
a few steps away from combining all your old pensions into a new plan =
that you can manage online, or from the palm of your hand!<br =
style=3D"box-sizing: border-box;"><br style=3D"box-sizing: =
border-box;">Here=E2=80=99s what we need from you to progress your =
pension transfers:</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;"><strong style=3D"box-sizing: =
border-box;">Details to verify your identity</strong>: your address, =
date of birth, and National Insurance number.</li><li =
style=3D"box-sizing: border-box;"> <strong style=3D"box-sizing: =
border-box;">Information to transfer your pensions</strong>: name of =
your old pension provider, and a policy number would help =
too.</li></ul></div></div></td></tr></table></td></tr></tbody></table></t=
d></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; 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" =
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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" =
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stroke=3D"false" fillcolor=3D"#f9c000"> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,0px,5px"> <center dir=3D"false" =
style=3D"color:#3a342c;font-family:Arial, =
sans-serif;font-size:16px"><![endif]--> <a class=3D"button" =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
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PbN-ie1-77NPCQ1-NbXWuLANOHewsj50acdlxxQ%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: 4px; 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: 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;">Combine your pensions today</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" =
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: 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></tab=
le><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 unpacking 10 years of changes in the pensions industry. =
Join our expert panel as they look back at the key pension changes =
we=E2=80=99ve seen over the past decade and how you can plan for a happy =
retirement in an everchanging world. <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
YEtlua8Mti9iv2H4Gaq2EUD8gvR634bAfU7sM8mPNQBfPC88UIAO0NS1iz-wA4YC-pJK9BhOg=
RVO3HEIrzR8dV65TROcEw4ZIvNQIoPhkA45lIB3t5989gftHal8pkkEkNVuLNMp0WGf8BN0z2=
Uerlrd9rJKY9oVFKhtOxgjFNvHTibPCxGRzjPt3oXtBIxX3Nnc96qom47qeA54dgMKwL5J86Y=
T0kglllU40rx-ahasVffwysu23RFN7Qb1wo9P-OwP8bhAHI77AppHm73XWRU%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=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
YA3Mr_WJY9cgz3rKNQzBkNbukbl8uz0Vx2bJfGa6FyLcPF5esiwRPzVe0c8rLYoIIto1FE5_p=
FDVyDYzSOjlNtKJQKXxaRCGXVQihS2x2YX3_Rpg5XZ7OBxkujdveb3qW7pA83fPL1Bcsu4PtN=
9GbRffpPwzOSNAwNAupmzNL5miOEUkhpnTrzwEI1FvN7MkTiWSnWQBLbxZCYAOk4gwK5E%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; 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"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=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
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stroke=3D"false" fillcolor=3D"#f9c000"> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,0px,5px"> <center dir=3D"false" =
style=3D"color:#3a342c;font-family:Arial, =
sans-serif;font-size:16px"><![endif]--> <a class=3D"button" =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3D64caa1fa3490472d895c084ce357dca3&_e=3DQXjak83WDH2Jd5F-bEkl=
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 target=3D"_blank" style=3D"box-sizing: border-box; background-color: =
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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: =
25px; 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></td></tr></tbody></table></td></tr></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; 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"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-7" align=3D"center" =
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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" =
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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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<table align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
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<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 =
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