HEX

File: D:/hMailServer/Data/sarahharvey.com/bob/57/{57173168-9AAB-4415-B469-48F2A59A0D8B}.eml
Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: How much do you need for a happy retirement?
Date: Thu, 10 Oct 2024 14:24:33 +0100
Message-ID: <9B.DD.20540.195D7076@gw.mta3vrest.cc.prd.sparkpost>
MIME-Version: 1.0
Content-Type: multipart/alternative;
	boundary="----=_NextPart_000_07A4_01DB1E27.D7E6DA30"
Thread-Index: AQHB2VA/pDrDpTcVMhxSbDoaM+lH0Q==

This is a multipart message in MIME format.

------=_NextPart_000_07A4_01DB1E27.D7E6DA30
Content-Type: text/plain;
	charset="UTF-8"
Content-Transfer-Encoding: 8bit

  <http://sp.pensionbee.com/q/3_gRFmBdxhbgNJRHApzWbg~~/AABRIgA~/RgRo6lqRPVcFc3BjZXVCCmcGkdUHZ6bjXblSE2JvYkBzYXJhaGhhcnZleS5jb21YBAAAAB8~>
Join now and combine your old pensions. 
<https://links.pensionbee.com/e/eo?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=_-EtIyX-Rwfj5ZlhZMoCe1mu42DZmaDMyGuU3rykw_JGTpCoR0_fAA3YHEMJbpPTFrCelNQWj0-c1qtUMaYHIxLsMkfeCri4usg6SWIVTHuWJJpulNR0wZV9p79BX2qTgEd3BGtIDlGSNSyuP5AWZw%3D%3D>







View in browser 
<https://links.pensionbee.com/e/evib?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=_-EtIyX-Rwfj5ZlhZMoCe1mu42DZmaDMyGuU3rykw_JGTpCoR0_fAA3YHEMJbpPTvc0MmnJFItwMt10M56Pdhg%3D%3D>



 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v5XR52RNMSAM4KaWsPpVWiC-Jj8KEwHXzzt5Lh3ZOoq9LyW0unItlyiP1wMLSSpZt5O4bC7l7Y8hGsW1IApvRVmCkrZRaNrTWyXLox01CutmNxQdAQiDCE5qPxaRzUQ0vopzXHmryAv0YlXV9vtCLMyNwDfyfoA0cuZICvkP1mINPlPZ8UjFS9sxiA%3D%3D>
Log in 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v5XR52RNMSAM4KYkbl-4hJYuoP6YSwBamhIHIyqYnlUB7u57JEFdelNUMvYiK6yFqTDiRt5VLYqjOwaHe9N4eEfmmQq2_v_Lw8T0HzHjv7PjXSPefdHahtXfZxpppo-EU8SWfl49MXePJbF6SCdKFwz4J-W9rpVq-89xIQQp1S8zVGdM7intzKhppw%3D%3D>

 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v5XR52RNMSAM4KazxDQzcL86la5nIIYtlTu7mqs0rX9TXaWi4HyJJLbefE0fw_UHE4SQqEqZwFgofOcX4aCq_GFAn7mNA74CHPPUB7wlCWlmTGwbqSbEnaQxfeAF_uVT__a2rbk_rOfESj5-2eU66HsKr0MXp_j_aBid7hwzJJprLCheBbVv8xp1CA%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=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v5XR52RNMSAM4KZ7iTgPNHbpIU9rwECyN50AJrDC9D6vYb3aYzN9S-Jp-0FS601LqDL20RxTF2MajaURQfA-VV2mr8-Hnp8Vtx0DBqwJodb5JIlDTySwaNpKF9khmpr1kRLGixofHy7mlBKsCN4zOn8tY09V74ns-Tmxeyqrn7z1Rqg1pBMdsCSmUg%3D%3D> 
Complete your sign up




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 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhZKkJQe2kGAgrBQV6yYFoDiIcSLbWzEF8KUoORtzRuCh59J1EpAsSUvOuQS63Qm326fX43zmkCyP8nufr5mIOkZss1VmupNH8uNbwOOKfoiGq9DB3Y7EReBVTwnHUp6d2u_bcnVZWJm1p9TCL4EjVLC4PIOfIEptsH9yoo574t2_JoVFw3cho7_Sy-5KZGLmW9YbxJwnCzA9oEyMsVzYz-wsooKZHHF-H-yKXAthsjLJ> 
our expert panel discusses how credit scores are calculated, bust some 
common myths and share ways you can improve yours. Watch on YouTube 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhUpZ4hzicywc0qt5ZLfcaDqfzYpo0YkRwuhCQqB3q0atrx6t7oaWNs6J3ydpTdnJG-dw_Y2Vi-kWDhrgUJq-_IrzJibYx7w7YKFlRstP217k4rOL9aun3VvB4IW-Rdo_PJeIEWvxAhx8NwuewgoiWOo_pZnbzgRxteH2PJH557Z_ebU8WNxkNEx90L6erLzQ67N14r_xw8UHKi_YYAqO6iO2RdU4CLnvmkQE-ySE60ifrwg5qCiwA1GSNxpMtD3iQw%3D%3D> 
, read the transcript 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhZKkJQe2kGAgrBQV6yYFoDjJMHeizgtwKG9pSiNelyyyRO3XWbT9MPq47hELFa4GU0YGYkNeY9Hr1xurD3rousT1kOXWxZO0-HlIbeR-TDfle9hEWqP6WDfy3nDCYIiymC_j8JO0jni4_cAtXpiA0cjFu6ZdwINBNX6BKxt-S3Ru7gUvZ4W76sqyiJhcGCkt6wbbEjY1Bl0XpuQSw3wy1UzT9jYnOVRl2Hp2Qaer7Wr-NsYs-VLYqnzkRAuYVIATRMple-keCpvfUuiJuC2foL0%3D> 
, listen on all major podcast platforms 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhc1-1eBppVhxBLaXM7k9EaU4wjp_X2NeH014kDFU_uewRG3OLstU83LHcmu0R7LgyoYI4_Ypo-yUjmoGDp2mviQGxT0eU0tLmMohcSQtmIXbHEbstpGAsoZZPhq20V1qTjyiiUwEuszPkDA2pWVRqjgJtCoCOGluBhJNQVJPF4MqhW0cyOZRVjaQEZNZONeQ3O-S0n26-XqaQPZuCpI2nI8%3D> 
or from the PensionBee app.







  <https://res.cloudinary.com/pensionbee/image/upload/v1594306518/emails/New%20template/Telephone.png>
020 3457 8444
Monday - Friday: 9:30am-5pm  <https://res.cloudinary.com/pensionbee/image/upload/v1594306518/emails/New%20template/email.png>
contact@pensionbee.com <mailto:contact@pensionbee.com?subject=>
Send us an email and we'll get back to you as soon as possible  <https://res.cloudinary.com/pensionbee/image/upload/v1600088483/emails/New%20template/Chat.png>
 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhZKkJQe2kGAgrBQV6yYFoDg4JFtemc-gYAH-PcwG4jaQhhqiKMlBIkSde-AL4Qb-DeXA7uQhBE54x1bvgAo8Di1QdNraKnKU7ZDk-lGVkjv9taqDKT0bG0l54DxDfgzpXB5EDFRGRj6yGO49yOVrVuMafeFIY553f6Ann1jvfgpef1PdIwDdLRzF7u5oIgGnGDI97cRGWySWroJ0uELMzNfKLG9qzTLPB0AHPdH7vzNW> 
Launch live chatSpeak 
to a member of our friendly team now <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_ 
m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhQpey5rsSHvIpD6KWEf1bEEWWcww8KkoWoRhXI78O6GE29a80Wrjutt5pLtDcxyJ0k-H_oyLGAlUJ7Wl5zl_tJJ9Z-LEAK6TBjkIOR7CR_M4sKlk8nQsXeSU_sNpDQ06buhqOFbz5v-wWU1IWV6gTTIR6HRhnpwllFKYvNaWJmtZs30XgEymvOdz6zHo-aTgzccMMtpO_MAQ639v6Fs_LR46NNCiGqVIa21yxQw3qVEhaXy8Y-2UTIZuKXCtKBN3bVOF3d5FfDve_NDVE29grpH00XAVbQ6nDScx5ZEBnBWZhxjkzfkrzIdbb81sx4U97Q%3D%3D>

 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhQpey5rsSHvIpD6KWEf1bEEWWcww8KkoWoRhXI78O6GE29a80Wrjutt5pLtDcxyJ0k-H_oyLGAlUJ7Wl5zl_tJJ9Z-LEAK6TBjkIOR7CR_M4sKlk8nQsXeSU_sNpDQ06buhqOFbz5v-wWU1IWV6gTTLyo3FnXNTFTPbd0pNTGlxQeR6yJ1oM96drnGxojsQE9n_zEzkdXtxiAU_0IqQZfd4SfUQ9oZYIATB3BGy5-vyBXiPMP1gbeauHtvOHr-Q7EMA514oSdCdZZsQYmMQCsYCG6k1IFwZhViEjo9JgPKUf_hYlwjaOtfvChxLf4cGMqQ%3D%3D>


 <https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhfFIbgPNj3LcvSLWChnDvHUxG-RvTz8Xrr3Vn5-LtowoVsAhfrRGuGv_fItSy7vLqiZtMMiUKUnCIqIyyrWAoT9889dE2nk7NkTrCJCg8KX780JgHIBs4dQ6opy12RZ2GOkNammbI52dEb0TqLhVG4F7bPo15Yx723wZfPqh0pRF7is1_XaO7OnMBVtKIqbQmhK1LyOaYTv8pWWrM3GtDg28efmfBKw2lFakPmOEJWFu> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhWNOUc-Eqj3pBcJtRIV342Bib4QCnZk11O-4_LfWJKooeNGjk2F3C7wMHqc2_S5B_JcIYxYFqPSt54LzbuW9Ey4ynO4amXf4md2Ewt29sgAg_Hqvh6VMPt_XmwAz-HwiadL0mlBUws0mF_JHC7SVUcO7Mz5NsC-nwtKN2-KGqH7dXtDxjwRLvmoG3815uaHvhyf0X2V__3Z2syutXZt1vZX-t2uOYB8AzQgDTMtSyBiN> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhXgSFGgX_nVHk9hXE40hj8X3KAC0wHUp0fjn4hWwL44c34kn6Qs94NJGXMVRgZSjeWzYzHmWrMZ3Ltx4jqZ_HLh0ytXcL4rHIAoAbnC0g-nxIk4n6Nfu4NyaBPC7AhxecChbAiBzMqq25-VwO9rchrHIOyw6SakP6JqQjBHnrdfmBk5WjmZP6cvawPligNk_4ZZuMF-1HtuqgCCnvZuTMLMjGa5k03ib6o1ePqV2ZUPi> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhW6jrOwoKKJyJ7deuAWv2j_pUsmZ5gh42YGLQqwBwn3DHKsCrG1lmvSAHXnr6QHvl_ZDV-mJ1SlvSBleqVGPBDfK5iyvQdanv401w8cMSHcq48cxyxN2pcwbPfw_aNvd9gAHPiBhhj1i1EPbTsdTp2Em9iuIvOK2-bbRmGvb_xoSYb4z8Ep8ZKUvR5kbkxoRa6tBQS46ZSwIQjep56VXfIfWir3SM94AxjKRQK-TOP1g> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhYz7qqMvek_IeQsoT-HW8syr426d71K7DW-1DNWlBCu9en3QRs0uh8lUiAPaYWLKW4IV01zapLtvkOxE5_ZZldMW0RKzJjOJO3SRpxx35yZXfiDhFuFe0GnVB5zGqjAve4FazDGTShv-vGr3g7GCQo7nE7inmjTNYQV56SIloW-ZdInzNDTtW71YRBVbq4HRcnzyDO7E3zzVSz1HL1gziJI1s9SadVXnlMZe2K_iEBR5> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhUpZ4hzicywc0qt5ZLfcaDq7Ypfmm27I17V8O2eZyu49jJEx8c2DSoEljkLzZALZ_b4k56SaR1788cf-EBMZjgC_HPpJjLvmj7wDX0PmU3WtYUHfamUYS2jOm8FNphmiCnE_bb26KoNc9kj9W-HBIfMlLZmsL7jw0ytiJGnMnBMkwOIdyyGwIOLnPluucYI4Wv7Cd3X49VeAVGPaIVJEFM1WOSgONTrQzszrpuC2d1katHatc7vqhnUbbE-IDbD6AA%3D%3D> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhVSHulZoKd0L_EJRtHTT3OGIW4kRyDT3F0RdqkG-yQ96seln5QxtAsUY68DN13SwKWrE5N-gwG5307hsh25N0W3GaV5oLJq6UN93addt6AIcHop-hdSZqGGVj13w0vXE-JV75_aIfQt7OWoIsDVhClF9Z-J7Pz0Z_3my4IrtkNFsz9vK2suE4MgDVIYhlV1d5qBREFezmUP-Afl6smmFL1tp0Y8U3ypfhOGMfSITPCoS> 
<https://links.pensionbee.com/u/click?_t=941fc1872f5648a9becb28376f6c197b&_m=a5823ab60e11438694c0276bd8428df2&_e=Hek43B7O3z48g__CMc9hhZKkJQe2kGAgrBQV6yYFoDjD6I7m8PLCANN60muhgMlemYI3VteW6jWjPAzeP-S-0PzCsPSG6IvX0gpXzfOxZQ5_grrm3OqLMf3uNqRfP1Xit_fB3LU5GlOVAfEbivZQtI5mcdrHgHmqX12ZCpanTy9n86gqqdlzYZOd_QefKHTqK6CkssyOBLE1D5cuXz0dCD12HVN89fiyq7jlgvgqAMOO8ZnANArxszTCtYiUtw9Q>
If you do not wish to receive any marketing emails,
please click here to Unsubscribe 
<https://links.pensionbee.com/e/encryptedUnsubscribe?_r=941fc1872f5648a9becb28376f6c197b&_s=a5823ab60e11438694c0276bd8428df2&_t=_-EtIyX-Rwfj5ZlhZMoCe1mu42DZmaDMyGuU3rykw_JGTpCoR0_fAA3YHEMJbpPTFrCelNQWj0-c1qtUMaYHIxLsMkfeCri4usg6SWIVTHtvk8frhl6kc79hCL26TB-tX9aFXJ1SfGcbtMEzHA3e3tFswNJJfXTGdDquk6MGlLW9F3vOdkWbjQGQ2nAyha1i> 
.
This email was sent by: PensionBee Limited
209 Blackfriars Road, London, SE1 8NL, United Kingdom

PensionBee is authorised and regulated by the Financial Conduct Authority 
(FRN: 744931) and registered in England and Wales (Companies Registration 
No. 9354862).  <http://sp.pensionbee.com/q/EEciqNxXbFpTPPEl3KzvJA~~/AABRIgA~/RgRo6lqRPlcFc3BjZXVCCmcGkdUHZ6bjXblSE2JvYkBzYXJhaGhhcnZleS5jb21YBAAAAB8~>

------=_NextPart_000_07A4_01DB1E27.D7E6DA30
Content-Type: text/html;
	boundary="_----5akCGwcq5XLWsv/ndZMm4w===_0B/DD-20540-195D7076";
	charset="UTF-8"
Content-Transfer-Encoding: quoted-printable

<!DOCTYPE html><html xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:o=3D"urn:schemas-microsoft-com:office:office" lang=3D"en" =
style=3D"box-sizing: border-box;"><head><title></title><meta =
http-equiv=3D"Content-Type" content=3D"text/html; charset=3Dutf-8"><meta =
name=3D"viewport" =
content=3D"width=3Ddevice-width,initial-scale=3D1"><!--[if =
mso]><xml><o:OfficeDocumentSettings><o:PixelsPerInch>96</o:PixelsPerInch>=
<o:AllowPNG/></o:OfficeDocumentSettings></xml><![endif]--><style>*{box-si=
zing:border-box}body{margin:0;padding:0}a[x-apple-data-detectors]{color:i=
nherit!important;text-decoration:inherit!important}#MessageViewBody =
a{color:inherit;text-decoration:none}p{line-height:inherit}.desktop_hide,=
.desktop_hide =
table{mso-hide:all;display:none;max-height:0;overflow:hidden}.image_block=
 =
img+div{display:none}sub,sup{line-height:0;font-size:75%}@media(max-width=
:620px){.row-2 .column-1 .block-2.button_block .alignment a,.row-2 =
.column-1 .block-2.button_block .alignment =
div{display:inline-block!important}.image_block =
div.fullWidth{max-width:100%!important}.mobile_hide{display:none}.row-con=
tent{width:100%!important}.stack =
.column{width:100%;display:block}.mobile_hide{min-height:0;max-height:0;m=
ax-width:0;overflow:hidden;font-size:0}.desktop_hide,.desktop_hide =
table{display:table!important;max-height:none!important}.row-1 .column-1 =
.block-2.image_block .alignment div{margin:0 auto 0 0!important}.row-2 =
.column-1 .block-2.button_block a,.row-2 .column-1 .block-2.button_block =
div,.row-2 .column-1 .block-2.button_block =
span{line-height:32px!important}.row-2 .column-1 .block-2.button_block =
.alignment{text-align:center!important}}</style><!--[if mso =
]><style>sup,sub{font-size:100%!important}sup{mso-text-raise:10%}sub{mso-=
text-raise:-10%}</style><![endif]--><!--[if =
true]><style>.forceBgColor{background-color:white!important}</style><![en=
dif]--></head><body class=3D"body forceBgColor" style=3D"box-sizing: =
border-box; background-color: transparent; margin: 0; padding: 0; =
-webkit-text-size-adjust: none; text-size-adjust: none;">
<div =
style=3D"color:transparent;visibility:hidden;opacity:0;font-size:0px;bord=
er:0;max-height:1px;width:1px;margin:0px;padding:0px;border-width:0px!imp=
ortant;display:none!important;line-height:0px!important;"><img =
border=3D"0" width=3D"1" height=3D"1" =
src=3D"http://sp.pensionbee.com/q/3_gRFmBdxhbgNJRHApzWbg~~/AABRIgA~/RgRo6=
lqRPVcFc3BjZXVCCmcGkdUHZ6bjXblSE2JvYkBzYXJhaGhhcnZleS5jb21YBAAAAB8~" =
alt=3D""/></div>
<span =
style=3D"color:transparent;visibility:hidden;display:none;opacity:0;heigh=
t:0;width:0;font-size:0;">Join now and combine your old =
pensions.</span><img =
src=3D"https://links.pensionbee.com/e/eo?_t=3D941fc1872f5648a9becb28376f6=
c197b&amp;_m=3Da5823ab60e11438694c0276bd8428df2&amp;_e=3D_-EtIyX-Rwfj5Zlh=
ZMoCe1mu42DZmaDMyGuU3rykw_JGTpCoR0_fAA3YHEMJbpPTFrCelNQWj0-c1qtUMaYHIxLsM=
kfeCri4usg6SWIVTHuWJJpulNR0wZV9p79BX2qTgEd3BGtIDlGSNSyuP5AWZw%3D%3D" =
style=3D"border:0;width:1px;height:1px;border-width:0px!important;display=
:none!important;line-height:0!important;" width=3D"1" =
height=3D"1"/><table class=3D"nl-container" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; background-color: transparent;" bgcolor=3D"transparent"><tbody =
style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table class=3D"row =
row-1" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: =
border-box;"><tr style=3D"box-sizing: border-box;"><td =
style=3D"box-sizing: border-box;"><table class=3D"row-content stack" =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; vertical-align: =
top; border-top: 0; border-right: 0; border-bottom: 0; border-left: 0;" =
align=3D"left" valign=3D"top"><table class=3D"html_block block-1" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: Arial,'Helvetica =
Neue',Helvetica,sans-serif; text-align: center;" align=3D"center"><head> =
<style>body{margin:0;padding:0;-webkit-text-size-adjust:100%!important;-m=
s-text-size-adjust:100%!important;-webkit-font-smoothing:antialiased!impo=
rtant}img{border:0!important;outline:none!important}p{Margin:0!important;=
Padding:0!important}table{border-collapse:collapse;mso-table-lspace:0;mso=
-table-rspace:0}td,a,span{border-collapse:collapse;mso-line-height-rule:e=
xactly}.ExternalClass *{line-height:100%}.em_defaultlink =
a{color:inherit;text-decoration:none}.em_g_img+div{display:none}a[x-apple=
-data-detectors],u+.em_body a,#MessageViewBody =
a{color:inherit;text-decoration:none;font-size:inherit!important;font-fam=
ily:inherit!important;font-weight:inherit!important;line-height:inherit!i=
mportant}table{table-layout:fixed}}</style> <style>body{margin:0 =
auto;padding:0;-webkit-text-size-adjust:100%!important;-ms-text-size-adju=
st:100%!important;-webkit-font-smoothing:antialiased!important}img{border=
:0!important;outline:none!important}p{Margin:0!important;Padding:0!import=
ant}table{border-collapse:collapse;mso-table-lspace:0;mso-table-rspace:0}=
td,a,span{border-collapse:collapse;mso-line-height-rule:exactly}.External=
Class *{line-height:100%}.em_defaultlink =
a{color:inherit!important;text-decoration:none!important}.em_g_img+div{di=
splay:none}center table{width:100%!important}.em_grey =
a{color:#909c9e;text-decoration:none}.em_black_und =
a{color:#3a342c;text-decoration:underline}.em_black =
a{color:#3a342c;text-decoration:underline}.em_greyA_und =
a{color:#909c9e;text-decoration:underline}.em_green_und =
a{color:#24b6b6;text-decoration:underline}.em_white =
a{color:#fff;text-decoration:none}.em_white_und =
a{color:#fff;text-decoration:underline}@media only screen and =
(max-width:623px){.em_main_table{width:100%!important}.em_wrapper{width:1=
00%!important}.em_hide{display:none!important}.em_center{text-align:cente=
r!important}.em_side15{width:15px!important}.em_ptop{padding-top:20px!imp=
ortant}u+.em_body =
.em_full_wrap{width:100%!important;width:100vw!important}.em_p25{padding:=
25px!important}.em_p1{padding:15px 25px!important}.em_p2{padding:35px =
25px!important}.em_p3{padding:10px 25px!important}.em_p4{padding:43px =
25px 55px!important}.em_p5{padding:0 25px =
40px!important}.em_h0{height:0!important;font-size:1px!important;line-hei=
ght:1px!important}.em_pt25{padding-top:25px!important}.em_pt0{padding-top=
:0!important}.em_pt40{padding-top:40px!important}.em_pt45{padding-top:45p=
x!important}.em_pt35{padding-top:35px!important}.em_pt30{padding-top:30px=
!important}.em_p30{padding:30px!important}.em_pb40{padding-bottom:40px!im=
portant}.em_side25{width:25px!important}}@media only screen and =
(min-width:481px) and =
(max-width:599px){.em_main_table{width:100%!important}.em_wrapper{width:1=
00%!important}.em_hide{display:none!important}.em_full_img{width:100%!imp=
ortant;height:auto!important;max-width:none!important}.em_full_img =
img{width:100%!important;height:auto!important}.em_center{text-align:cent=
er!important}.em_side10{width:10px!important}.em_side15{width:15px!import=
ant}.em_aside15{padding:0 =
15px!important}.em_ptop{padding-top:40px!important}.em_side20{width:20px!=
important}.em_pbottom{padding-bottom:20px!important}.em_h20{height:20px!i=
mportant;font-size:1px!important;line-height:1px!important}.em_h12{height=
:12px!important;font-size:1px!important;line-height:1px!important}.em_h6{=
height:6px!important;font-size:1px!important;line-height:1px!important}.e=
m_h30{height:30px!important}.em_font_N{font-size:Npx}.em_img{width:245px!=
important;height:auto!important;max-width:245px!important}.em_pbottomA{pa=
dding-bottom:10px!important}.em_h40{height:45px!important}.em_hauto{heigh=
t:auto!important}.em_h40A{height:40px!important}.em_h17{height:17px!impor=
tant;font-size:1px!important;line-height:1px!important}.em_logo{width:45p=
x!important;height:auto!important}.em_bg_line{background-image:url(images=
/bg_img_line.jpg)!important;height:7px!important;background-position:cent=
er top!important;background-repeat:no-repeat!important}}@media screen =
and =
(max-width:480px){.em_main_table{width:100%!important}.em_wrapper{width:1=
00%!important}.em_hide{display:none!important}.em_full_img{width:100%!imp=
ortant;height:auto!important;max-width:none!important}.em_full_img =
img{width:100%!important;height:auto!important}.em_center{text-align:cent=
er!important}.em_side10{width:10px!important}.em_side20{width:20px!import=
ant}.em_side15{width:15px!important}.em_aside15{padding:0 =
15px!important}.em_ptop{padding-top:40px!important}.em_pbottom{padding-bo=
ttom:20px!important}.em_pbottomA{padding-bottom:10px!important}.em_h20{he=
ight:20px!important;font-size:1px!important;line-height:1px!important}.em=
_h12{height:15px!important;font-size:1px!important;line-height:1px!import=
ant}.em_h6{height:6px!important;font-size:1px!important;line-height:1px!i=
mportant}.em_h30{height:30px!important}.em_h40{height:45px!important}.em_=
font_34{font-size:34px!important;line-height:37px!important}u+.em_body =
.em_full_wrap{width:100%!important;width:100vw!important}.em_img{width:24=
5px!important;height:auto!important;max-width:245px!important}.em_width{w=
idth:100px!important}.em_h40A{height:40px!important}.em_hauto{height:auto=
!important}.em_h17{height:17px!important;font-size:1px!important;line-hei=
ght:1px!important}.em_logo{width:45px!important;height:auto!important}.em=
_bg_line{background-image:url(images/bg_img_line.jpg)!important;height:7p=
x!important;background-position:center =
top!important;background-repeat:no-repeat!important}.em_font22{font-size:=
22px!important;line-height:26px!important}.em_w87 =
img{width:87px!important;height:auto!important}.em_w195 =
img{width:195px!important;height:auto!important}.em_w1{width:20px!importa=
nt}}@media screen and =
(max-width:320px){.em_font22{font-size:18px!important;line-height:22px!im=
portant}.em_w1{width:20px!important}}</style> </head> <table =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
class=3D"em_full_wrap" align=3D"center"> <tr> <td align=3D"center" =
valign=3D"top"><table align=3D"center" width=3D"600" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" class=3D"em_main_table" =
style=3D"width:600px; table-layout:fixed;"> <tr> <td width=3D"25" =
style=3D"width:25px;" class=3D"em_side15"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
border=3D"0"/></td> <td align=3D"center" valign=3D"top"><table =
width=3D"550" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
align=3D"center" style=3D"width:550px;" class=3D"em_wrapper"> <tbody> =
<tr> <td height=3D"22" style=3D"height:22px; font-size:1px; =
line-height:1px;" class=3D"em_h20"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
border=3D"0"/></td> </tr> <tr> <td class=3D"em_grey" align=3D"center" =
valign=3D"top" style=3D"font-family: 'Open Sans', Arial, sans-serif; =
font-size:12px; line-height:15px; color:#909c9e;"><a href=3D"#" =
target=3D"_blank" style=3D"text-decoration:none; color:#909c9e;"><a =
href=3D"https://links.pensionbee.com/e/evib?_t=3D941fc1872f5648a9becb2837=
6f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3D_-EtIyX-Rwfj5ZlhZMoCe=
1mu42DZmaDMyGuU3rykw_JGTpCoR0_fAA3YHEMJbpPTvc0MmnJFItwMt10M56Pdhg%3D%3D">=
View in browser</a></td> </tr> <tr> <td height=3D"22" =
style=3D"height:22px; font-size:1px; line-height:1px;" =
class=3D"em_h20"><img src=3D"images/spacer.gif" width=3D"1" height=3D"1" =
alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> </tbody> =
</table></td> <td width=3D"25" style=3D"width:25px;" =
class=3D"em_side15"><img src=3D"images/spacer.gif" width=3D"1" =
height=3D"1" alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> =
</table></td> </tr> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width:600px;" width=3D"600"> <tr> <td align=3D"center" =
bgcolor=3D"#f9c000" class=3D"em_p1" style=3D"background-color:#f9c000; =
padding:17px 25px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tr> <td =
align=3D"left" style=3D"width:126px;" valign=3D"top" width=3D"126"> <a =
data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v=
5XR52RNMSAM4KaWsPpVWiC-Jj8KEwHXzzt5Lh3ZOoq9LyW0unItlyiP1wMLSSpZt5O4bC7l7Y=
8hGsW1IApvRVmCkrZRaNrTWyXLox01CutmNxQdAQiDCE5qPxaRzUQ0vopzXHmryAv0YlXV9vt=
CLMyNwDfyfoA0cuZICvkP1mINPlPZ8UjFS9sxiA%3D%3D" =
style=3D"text-decoration:none;" target=3D"_blank" title=3D""><img =
alt=3D"Pension Bee" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586874381/ema=
ils/New%20template/Group.png" style=3D"display: block; max-width: 126px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; text-align: center; height: auto; width: =
100%;" width=3D"126"></a> </td> <td class=3D"em_side15" =
style=3D"width:353px;" width=3D"353"> &nbsp; </td> <td align=3D"center" =
valign=3D"top"> <table align=3D"right" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width:95px;" width=3D"95"> <tr> <td =
align=3D"center" bgcolor=3D"#343a40" height=3D"42" style=3D"height:42px; =
background-color:#343a40; border-radius: 4px; font-family: 'Ryo Gothic =
PlusN', Arial, sans-serif; font-size:16px; color:#FFFFFF; =
font-weight:300;" valign=3D"middle"> <a data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v=
5XR52RNMSAM4KYkbl-4hJYuoP6YSwBamhIHIyqYnlUB7u57JEFdelNUMvYiK6yFqTDiRt5VLY=
qjOwaHe9N4eEfmmQq2_v_Lw8T0HzHjv7PjXSPefdHahtXfZxpppo-EU8SWfl49MXePJbF6SCd=
KFwz4J-W9rpVq-89xIQQp1S8zVGdM7intzKhppw%3D%3D" =
style=3D"color:#FFFFFF;text-decoration:none; display:block; =
line-height:42px;" target=3D"_blank" title=3D"">Log in</a> </td> </tr> =
</table> </td> </tr> </table> </td> </tr> </table></div></td> =
</tr></table><table class=3D"image_block block-2" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box; width: 100%;" width=3D"100%"><div =
class=3D"alignment" align=3D"center" style=3D"box-sizing: border-box; =
line-height: 10px;"><div class=3D"fullWidth" style=3D"box-sizing: =
border-box; max-width: 600px;"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v=
5XR52RNMSAM4KazxDQzcL86la5nIIYtlTu7mqs0rX9TXaWi4HyJJLbefE0fw_UHE4SQqEqZwF=
gofOcX4aCq_GFAn7mNA74CHPPUB7wlCWlmTGwbqSbEnaQxfeAF_uVT__a2rbk_rOfESj5-2eU=
66HsKr0MXp_j_aBid7hwzJJprLCheBbVv8xp1CA%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/v1684831201/ema=
ils/New%20template/Email_banner_-_How_much_do_you_need_for_a_happy_retire=
ment_.jpg" 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; 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" =
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=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v=
5XR52RNMSAM4KYXb4fZYQTrkBGoY8Me5RqL8e_PROB31IHrfsQ2IJ1fM8hw3J2ykGi3Iag--z=
R70M01kzuyaFrqvGAxX4ahMTVHRDjXdol1S8utEI6-nOFoggQNe9Zsru9SqHG-CYNuzv3Q7XS=
mWd4QO4M-f-Xlkh9zCG5UqU_VKUdZxOScy-IRbg%3D%3D" =
style=3D"height:42px;width:213px;v-text-anchor:middle;" arcsize=3D"10%" =
stroke=3D"false" fillcolor=3D"#f9c000"> <w:anchorlock/> <v:textbox =
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=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDhRF8SjvsROMk7dxi7Ljr_BMUsaz-CmN1r-WYMoCi_dBrPLW1b2v=
5XR52RNMSAM4KZ7iTgPNHbpIU9rwECyN50AJrDC9D6vYb3aYzN9S-Jp-0FS601LqDL20RxTF2=
MajaURQfA-VV2mr8-Hnp8Vtx0DBqwJodb5JIlDTySwaNpKF9khmpr1kRLGixofHy7mlBKsCN4=
zOn8tY09V74ns-Tmxeyqrn7z1Rqg1pBMdsCSmUg%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: #000000; 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; 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;">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" =
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-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: 25px; =
padding-left: 20px; padding-right: 20px; padding-top: 15px; 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: 110px;"><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"110" =
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: =
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: 12px; mso-line-height-alt: 24px;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px;">This month on <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDiIcSLbWzEF8KUoORtzRuCh59J1EpAsSUvOuQS63Qm326fX43zmk=
CyP8nufr5mIOkZss1VmupNH8uNbwOOKfoiGq9DB3Y7EReBVTwnHUp6d2u_bcnVZWJm1p9TCL4=
EjVLC4PIOfIEptsH9yoo574t2_JoVFw3cho7_Sy-5KZGLmW9YbxJwnCzA9oEyMsVzYz-wsooK=
ZHHF-H-yKXAthsjLJ" target=3D"_blank" style=3D"box-sizing: border-box; =
text-decoration: none; color: #24b6b6;" rel=3D"noopener">The Pension =
Confident Podcast</a> our expert panel discusses how credit scores are =
calculated, bust some common myths and share ways you can improve yours. =
<a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hUpZ4hzicywc0qt5ZLfcaDqfzYpo0YkRwuhCQqB3q0atrx6t7oaWNs6J3ydpTdnJG-dw_Y2Vi=
-kWDhrgUJq-_IrzJibYx7w7YKFlRstP217k4rOL9aun3VvB4IW-Rdo_PJeIEWvxAhx8Nwuewg=
oiWOo_pZnbzgRxteH2PJH557Z_ebU8WNxkNEx90L6erLzQ67N14r_xw8UHKi_YYAqO6iO2RdU=
4CLnvmkQE-ySE60ifrwg5qCiwA1GSNxpMtD3iQw%3D%3D" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: none; color: #24b6b6;" =
rel=3D"noopener">Watch on YouTube</a>, <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDjJMHeizgtwKG9pSiNelyyyRO3XWbT9MPq47hELFa4GU0YGYkNeY=
9Hr1xurD3rousT1kOXWxZO0-HlIbeR-TDfle9hEWqP6WDfy3nDCYIiymC_j8JO0jni4_cAtXp=
iA0cjFu6ZdwINBNX6BKxt-S3Ru7gUvZ4W76sqyiJhcGCkt6wbbEjY1Bl0XpuQSw3wy1UzT9jY=
nOVRl2Hp2Qaer7Wr-NsYs-VLYqnzkRAuYVIATRMple-keCpvfUuiJuC2foL0%3D" =
target=3D"_blank" style=3D"box-sizing: border-box; text-decoration: =
none; color: #24b6b6;" rel=3D"noopener">read the transcript</a>, <a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hc1-1eBppVhxBLaXM7k9EaU4wjp_X2NeH014kDFU_uewRG3OLstU83LHcmu0R7LgyoYI4_Ypo=
-yUjmoGDp2mviQGxT0eU0tLmMohcSQtmIXbHEbstpGAsoZZPhq20V1qTjyiiUwEuszPkDA2pW=
VRqjgJtCoCOGluBhJNQVJPF4MqhW0cyOZRVjaQEZNZONeQ3O-S0n26-XqaQPZuCpI2nI8%3D"=
 target=3D"_blank" style=3D"box-sizing: border-box; text-decoration: =
none; color: #24b6b6;" rel=3D"noopener">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-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/v1594306518/ema=
ils/New%20template/Telephone.png" style=3D"display: block; max-width: =
30px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"30"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top">020 3457 8444&nbsp;</td> =
</tr> <tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Monday - =
Friday: 9:30am-5pm</td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"123" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1594306518/ema=
ils/New%20template/email.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"30"></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 9px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 12px; line-height: 22px; color: rgb(0, 0, 0); font-weight: =
750; text-align: center;" valign=3D"top"><span style=3D"color: rgb(0, 0, =
0);"><a href=3D"mailto:contact@pensionbee.com?subject=3D" =
style=3D"text-decoration: none; color: rgb(0, 0, 0);" =
title=3D"contact@pensionbee.com" =
data-linkto=3D"mailto:">contact@pensionbee.com</a></span></td> </tr> =
<tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Send us an =
email and we'll get back to you as soon as possible</td> </tr> </tbody> =
</table> </td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1600088483/ema=
ils/New%20template/Chat.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"28"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 7px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDg4JFtemc-gYAH-PcwG4jaQhhqiKMlBIkSde-AL4Qb-DeXA7uQhB=
E54x1bvgAo8Di1QdNraKnKU7ZDk-lGVkjv9taqDKT0bG0l54DxDfgzpXB5EDFRGRj6yGO49yO=
VrVuMafeFIY553f6Ann1jvfgpef1PdIwDdLRzF7u5oIgGnGDI97cRGWySWroJ0uELMzNfKLG9=
qzTLPB0AHPdH7vzNW" 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=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hQpey5rsSHvIpD6KWEf1bEEWWcww8KkoWoRhXI78O6GE29a80Wrjutt5pLtDcxyJ0k-H_oyLG=
AlUJ7Wl5zl_tJJ9Z-LEAK6TBjkIOR7CR_M4sKlk8nQsXeSU_sNpDQ06buhqOFbz5v-wWU1IWV=
6gTTIR6HRhnpwllFKYvNaWJmtZs30XgEymvOdz6zHo-aTgzccMMtpO_MAQ639v6Fs_LR46NNC=
iGqVIa21yxQw3qVEhaXy8Y-2UTIZuKXCtKBN3bVOF3d5FfDve_NDVE29grpH00XAVbQ6nDScx=
5ZEBnBWZhxjkzfkrzIdbb81sx4U97Q%3D%3D" rel=3D"noopener noreferrer" =
style=3D"text-decoration: none; text-underline: none;" =
target=3D"_blank"> <img alt=3D"Trustpilot rating" border=3D"0" =
height=3D"16" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/text.png" style=3D"max-height: 16px; margin: 0; padding: =
0; width: auto; border: none;"> <br><img alt=3D"Trustpilot Stars" =
border=3D"0" height=3D"40" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/stars.png" style=3D"max-width: 160px; width: 100%; =
max-height: 40px; border: none;" width=3D"160"> </a> <br><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hQpey5rsSHvIpD6KWEf1bEEWWcww8KkoWoRhXI78O6GE29a80Wrjutt5pLtDcxyJ0k-H_oyLG=
AlUJ7Wl5zl_tJJ9Z-LEAK6TBjkIOR7CR_M4sKlk8nQsXeSU_sNpDQ06buhqOFbz5v-wWU1IWV=
6gTTLyo3FnXNTFTPbd0pNTGlxQeR6yJ1oM96drnGxojsQE9n_zEzkdXtxiAU_0IqQZfd4SfUQ=
9oZYIATB3BGy5-vyBXiPMP1gbeauHtvOHr-Q7EMA514oSdCdZZsQYmMQCsYCG6k1IFwZhViEj=
o9JgPKUf_hYlwjaOtfvChxLf4cGMqQ%3D%3D" rel=3D"noopener noreferrer" =
style=3D"text-decoration: none; text-underline: none;" =
target=3D"_blank"> <img alt=3D"Trustpilot Logo" border=3D"0" =
height=3D"20" =
src=3D"https://emailsignature.trustpilot.com/brand/s/2/logo.png" =
style=3D"max-width: 79px; width: 100%; max-height: 20px; border: none;" =
width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;" =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 123px;" width=3D"123"> <tbody> =
<tr></tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> <table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0"> <tbody> <br> <tr> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hfFIbgPNj3LcvSLWChnDvHUxG-RvTz8Xrr3Vn5-LtowoVsAhfrRGuGv_fItSy7vLqiZtMMiUK=
UnCIqIyyrWAoT9889dE2nk7NkTrCJCg8KX780JgHIBs4dQ6opy12RZ2GOkNammbI52dEb0TqL=
hVG4F7bPo15Yx723wZfPqh0pRF7is1_XaO7OnMBVtKIqbQmhK1LyOaYTv8pWWrM3GtDg28efm=
fBKw2lFakPmOEJWFu" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586871575/ema=
ils/New%20template/Facebook.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"32"></a></td> <td class=3D"em_w1" style=3D"width: =
30px;" width=3D"30"></td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hWNOUc-Eqj3pBcJtRIV342Bib4QCnZk11O-4_LfWJKooeNGjk2F3C7wMHqc2_S5B_JcIYxYFq=
PSt54LzbuW9Ey4ynO4amXf4md2Ewt29sgAg_Hqvh6VMPt_XmwAz-HwiadL0mlBUws0mF_JHC7=
SVUcO7Mz5NsC-nwtKN2-KGqH7dXtDxjwRLvmoG3815uaHvhyf0X2V__3Z2syutXZt1vZX-t2u=
OYB8AzQgDTMtSyBiN" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1696252193/ema=
ils/New%20template/Icon-Social-threads.png" style=3D"display: block; =
max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
height: auto; width: 100%;" width=3D"35"></a></td> <td class=3D"em_w1" =
style=3D"width: 30px;" width=3D"30"></td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hXgSFGgX_nVHk9hXE40hj8X3KAC0wHUp0fjn4hWwL44c34kn6Qs94NJGXMVRgZSjeWzYzHmWr=
MZ3Ltx4jqZ_HLh0ytXcL4rHIAoAbnC0g-nxIk4n6Nfu4NyaBPC7AhxecChbAiBzMqq25-VwO9=
rchrHIOyw6SakP6JqQjBHnrdfmBk5WjmZP6cvawPligNk_4ZZuMF-1HtuqgCCnvZuTMLMjGa5=
k03ib6o1ePqV2ZUPi" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1674058221/ema=
ils/New%20template/Icon_TikTok_State_Active.png" style=3D"display: =
block; max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
height: auto; width: 100%;" width=3D"53"></a></td> <td class=3D"em_w1" =
style=3D"width: 30px;" width=3D"30">&nbsp;</td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hW6jrOwoKKJyJ7deuAWv2j_pUsmZ5gh42YGLQqwBwn3DHKsCrG1lmvSAHXnr6QHvl_ZDV-mJ1=
SlvSBleqVGPBDfK5iyvQdanv401w8cMSHcq48cxyxN2pcwbPfw_aNvd9gAHPiBhhj1i1EPbTs=
dTp2Em9iuIvOK2-bbRmGvb_xoSYb4z8Ep8ZKUvR5kbkxoRa6tBQS46ZSwIQjep56VXfIfWir3=
SM94AxjKRQK-TOP1g" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"tw" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1696252192/ema=
ils/New%20template/Icon-Social-twitter.png" style=3D"display: block; =
max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; height: auto; width: =
100%; text-align: center;" width=3D"35"></a></td> <td class=3D"em_w1" =
style=3D"width: 30px;" width=3D"30">&nbsp;</td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hYz7qqMvek_IeQsoT-HW8syr426d71K7DW-1DNWlBCu9en3QRs0uh8lUiAPaYWLKW4IV01zap=
LtvkOxE5_ZZldMW0RKzJjOJO3SRpxx35yZXfiDhFuFe0GnVB5zGqjAve4FazDGTShv-vGr3g7=
GCQo7nE7inmjTNYQV56SIloW-ZdInzNDTtW71YRBVbq4HRcnzyDO7E3zzVSz1HL1gziJI1s9S=
adVXnlMZe2K_iEBR5" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"in" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586871658/ema=
ils/New%20template/LinkedIn.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"30"></a></td> <td class=3D"em_w1" style=3D"width: =
30px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hUpZ4hzicywc0qt5ZLfcaDq7Ypfmm27I17V8O2eZyu49jJEx8c2DSoEljkLzZALZ_b4k56SaR=
1788cf-EBMZjgC_HPpJjLvmj7wDX0PmU3WtYUHfamUYS2jOm8FNphmiCnE_bb26KoNc9kj9W-=
HBIfMlLZmsL7jw0ytiJGnMnBMkwOIdyyGwIOLnPluucYI4Wv7Cd3X49VeAVGPaIVJEFM1WOSg=
ONTrQzszrpuC2d1katHatc7vqhnUbbE-IDbD6AA%3D%3D" rel=3D"noopener" =
style=3D"text-decoration: none;" target=3D"_blank" title=3D"" =
data-linkto=3D"https://"><img alt=3D"yt" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586871658/ema=
ils/New%20template/Youtube.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"30"></a></td> <td class=3D"em_w1" style=3D"width: =
30px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hVSHulZoKd0L_EJRtHTT3OGIW4kRyDT3F0RdqkG-yQ96seln5QxtAsUY68DN13SwKWrE5N-gw=
G5307hsh25N0W3GaV5oLJq6UN93addt6AIcHop-hdSZqGGVj13w0vXE-JV75_aIfQt7OWoIsD=
VhClF9Z-J7Pz0Z_3my4IrtkNFsz9vK2suE4MgDVIYhlV1d5qBREFezmUP-Afl6smmFL1tp0Y8=
U3ypfhOGMfSITPCoS" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"insta" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1586871658/ema=
ils/New%20template/Instagram.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"30"></a></td> <td class=3D"em_w1" style=3D"width: =
30px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/u/click?_t=3D941fc1872f5648a9becb283=
76f6c197b&_m=3Da5823ab60e11438694c0276bd8428df2&_e=3DHek43B7O3z48g__CMc9h=
hZKkJQe2kGAgrBQV6yYFoDjD6I7m8PLCANN60muhgMlemYI3VteW6jWjPAzeP-S-0PzCsPSG6=
IvX0gpXzfOxZQ5_grrm3OqLMf3uNqRfP1Xit_fB3LU5GlOVAfEbivZQtI5mcdrHgHmqX12ZCp=
anTy9n86gqqdlzYZOd_QefKHTqK6CkssyOBLE1D5cuXz0dCD12HVN89fiyq7jlgvgqAMOO8Zn=
ANArxszTCtYiUtw9Q" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"insta" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1656070367/Ico=
n_Podcast_State_Hover_mtpq0h.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: rgb(0, 0, 0); padding: 0px; height: auto; width: 100%;" =
width=3D"30"></a></td> </tr> </tbody> </table> </td> </tr> <tr> <td =
align=3D"center" class=3D"em_defaultlink em_pt40" style=3D"padding-top: =
47px; font-family: 'Open Sans', Arial, sans-serif; font-size: 14px; =
line-height: 22px; color: #343a40; font-weight: 400;" valign=3D"top">If =
you do not wish to receive any marketing emails,<br =
class=3D"em_hide">please click here to <span style=3D"color: rgb(0, 0, =
0);"><span style=3D"text-decoration: underline;"><a =
href=3D"https://links.pensionbee.com/e/encryptedUnsubscribe?_r=3D941fc187=
2f5648a9becb28376f6c197b&_s=3Da5823ab60e11438694c0276bd8428df2&_t=3D_-EtI=
yX-Rwfj5ZlhZMoCe1mu42DZmaDMyGuU3rykw_JGTpCoR0_fAA3YHEMJbpPTFrCelNQWj0-c1q=
tUMaYHIxLsMkfeCri4usg6SWIVTHtvk8frhl6kc79hCL26TB-tX9aFXJ1SfGcbtMEzHA3e3tF=
swNJJfXTGdDquk6MGlLW9F3vOdkWbjQGQ2nAyha1i" style=3D"color: rgb(0, 0, 0); =
text-decoration: underline;">Unsubscribe</a></span>.</span></td> </tr> =
<tr> <td align=3D"center" class=3D"em_defaultlink em_pt25" =
style=3D"padding-top: 32px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 14px; line-height: 22px; color: #82949e; font-weight: 400;" =
valign=3D"top">This email was sent by: PensionBee Limited<br>209 =
Blackfriars Road, London, SE1 8NL, United Kingdom<br><br>PensionBee is =
authorised and regulated by the Financial Conduct Authority (FRN: =
744931) and registered in England and Wales (Companies Registration =
No.&nbsp;9354862).<!--<a href=3D"%%profile_center_url%%" alias=3D"Update =
Profile">Update Profile</a>--></td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> </td> </tr> </tbody> =
</table></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table></td></tr></tbody></table><!-- End -->
<img border=3D"0" width=3D"1" height=3D"1" alt=3D"" =
src=3D"http://sp.pensionbee.com/q/EEciqNxXbFpTPPEl3KzvJA~~/AABRIgA~/RgRo6=
lqRPlcFc3BjZXVCCmcGkdUHZ6bjXblSE2JvYkBzYXJhaGhhcnZleS5jb21YBAAAAB8~">
</body></html>
------=_NextPart_000_07A4_01DB1E27.D7E6DA30--