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Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: =?utf-8?Q?Unlock_your_retirement=E2=80=99s_full_po?=
	=?utf-8?Q?tential!?=
Date: Thu, 26 Mar 2026 01:00:49 -0000
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Let’s get you set up. 
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Log in




Hi Robert,



Saving into a pension is one of the key ways to make sure you’ve got enough 
money for retirement. Unlike many other ways of saving, pensions can be 
boosted by employer contributions and tax top ups from the government.



How it works



Most basic rate taxpayers usually get a 25% tax top up on personal pension 
contributions. So if you paid £100 into your pension, HMRC would effectively 
add another £25 bringing the total contribution to £125. If you’re a higher 
or additional rate taxpayer, you could claim even more through a 
Self-Assessment tax return or by contacting HMRC.



3 steps to make this tax year count:



1. Use our ‘Pension Tax Relief Calculator’ to see your potential tax 
savings.



2. Make a contribution to your PensionBee pension before *2 April.



3. If you’re eligible, we’ll automatically apply the 25% tax top up directly 
to your pension balance on your behalf.



Get started today



Setting up a contribution with PensionBee is straightforward. You can start 
anytime from your account in the app or on our website.

After you’ve finished setting up, make sure you add a contribution by *2 
April 2026 to ensure it reaches us before the end of the tax year.



Your future self will thank you!


Make a contribution 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.



*The 2025/26 tax year ends on 5 April. However, due to the Easter Bank 
Holiday weekend and potential variations in banking processing times, we 
recommend making your contribution by 2 April to help ensure it’s received 
and allocated within the current tax year.




Have a question?

Get in touch with our friendly UK team.







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style=3D"width:25px;" class=3D"em_side15"><img src=3D"images/spacer.gif" =
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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/95uywyC5j1PsuoCK-QYu9XE_ceSoUyLm=
867nJtD9Pyd6CxDEvc0OvinwxAycpnSrM_O-_vAADZzCjXq5NZpp7V6cDoYNwnBsRQjoORJZD=
hfdSe2FYctPQB7iE-e5K8Ii9opq9Slgt6s7DLZAJ6t2h1k_TAtZiGatjJ9R_-lEnnDFjiF5JQ=
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pj3DrGB5PgQmlDxdb49vKhINfFvQqhnLAeieBZbvixak5GBk4AqGV4jv4clxaAGqr6vKF85Yz=
gf9wi_dthzs3BDauZlT_dCILBQHeGKlV2QLrrz-elzxJKxawCQeBg/cm2WCI7xsfo8NsPb7I9=
xwfUQGp7hsRlX/19" 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; =
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100%;" width=3D"126"></a> </td> <td class=3D"em_side15" =
style=3D"width:353px;" width=3D"353"> &nbsp; </td> <td align=3D"center" =
valign=3D"top"> <table align=3D"right" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width:95px;" width=3D"95"> <tr> <td =
align=3D"center" bgcolor=3D"#343a40" height=3D"42" style=3D"height:42px; =
background-color:#f9c000; border-radius: 4px; font-family: 'Ryo Gothic =
PlusN', Arial, sans-serif; font-size:16px; color:#FFFFFF; =
font-weight:550;" valign=3D"middle"> <a data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/P7iM2BM9qiVwfNu-r-iTdPl8zBUovxPL=
4dkmyMzCxYI_vlVyHPtPacq91KnS9THszdUO0MCNi19wlHl5sIpgv_rkBY1qrobOR1tm8fCFC=
j2YyOb6Wkz2LIJymcqSSInHW_t9koyq_liHElisE4qvxhF19R2GaakieY2_omp7Cp6cv38gKQ=
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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/ASXw9BiGTxeF4wm-W3W4He1kXCBvtM0t=
gAN80wieImepYrOpQUpiNKu7C43J-FuMUmWrfYEH3XKWazg7FxEI5USNOwYH6XcGIUCepA-RP=
xTS-yiChZStZ6gLNp-7cz2yIPXqiFArhAvJR8Q2w2eyXPbOAqKDjjuQk2apA6gANgzAcnL3g8=
d7hSwoCMf_vQu6Aa55HAB9cKBqf1P-tYXBpVZALzEupZ-92IC3P4xsGoXRE9bQbbohIggG3L3=
yodq_F_XJgz0DWs0Tswqg4cPO5HTJnTwh1mcAlGfj8SZ_PoFnlQIWXsQGlpiyLAfcjIEMFNjp=
Et3Pld1hv2PSh5ypjHavqf8t-1tgTgwLrtpkMaifY8eGWhOw25ScdZdO_Mce2P_0GaDt4bHJl=
FBkA_j57GLxgYdz_lzkO8kgaJsOmVyRQVFqoVHI4WAGPn5iP2YprFYO/8Bd7rSbbMprI0d7y8=
SdQXcRHqlT7c2EZ/19" target=3D"_blank" style=3D"box-sizing: =
border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1773054230/ema=
ils/2026/Email_2_-_Time_to_make_this_tax_year_count.png" =
style=3D"box-sizing: border-box; display: block; height: auto; border: =
0; width: 100%;" width=3D"600" alt title =
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,</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;">Saving into a pension is one =
of the key ways to make sure you=E2=80=99ve got enough money for =
retirement. Unlike many other ways of saving, pensions can be boosted by =
employer contributions and tax top ups from the government.</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;"><strong =
style=3D"box-sizing: border-box;">How it works</strong></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;">Most basic rate =
taxpayers usually get a <strong style=3D"box-sizing: border-box;">25% =
tax top up</strong> on personal pension contributions. So if you paid =
=C2=A3100 into your pension, HMRC would effectively add another =C2=A325 =
bringing the total contribution to <strong style=3D"box-sizing: =
border-box;">=C2=A3125</strong>.&nbsp;If you=E2=80=99re a higher or =
additional rate taxpayer, you could claim even more through a =
Self-Assessment tax return or by contacting HMRC.&nbsp;</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;"><strong =
style=3D"box-sizing: border-box;">3 steps to make this tax year =
count:</strong></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; mso-line-height-alt: 24px;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">1. Use our =E2=80=98<strong style=3D"box-sizing: =
border-box;">Pension</strong> <strong style=3D"box-sizing: =
border-box;">Tax Relief Calculator=E2=80=99</strong> to see your =
potential tax savings.</span></p><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; mso-line-height-alt: =
18px;">&nbsp;</p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; mso-line-height-alt: 24px;"><span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">2. Make a contribution to your PensionBee pension before *2 =
April.&nbsp;</span></p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; mso-line-height-alt: 18px;">&nbsp;</p><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
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;">3. If you=E2=80=99re eligible, =
we=E2=80=99ll automatically</span><span style=3D"box-sizing: border-box; =
word-break: break-word;"> apply the 25% tax top up directly to your =
pension balance on your behalf.</span></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; 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;"><strong style=3D"box-sizing: border-box;">Get started =
today</strong></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;">Setting up a contribution with PensionBee is straightforward. You =
can start anytime from your account in the app or on our =
website.</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;">After =
you=E2=80=99ve finished setting up, make sure you add a =
contribution<strong style=3D"box-sizing: border-box;"> by *2 April =
2026</strong> to ensure it reaches us before the end of the tax =
year.</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 future self will thank =
you!</span></p></div></div></td></tr></table><table =
class=3D"button_block block-4" 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/YLGvyDjUz7zbdnz68K8AdPalaNtaodCN=
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jtO3_UC9GCnaSzAvugCoCPl8TSVHcQdNmaJWBffv0orrQRez0ia2nv3/iFhY3xgtRUj-KW7rs=
VXXxPIssyLMcaAJ/19" target=3D"_blank" style=3D"box-sizing: border-box; =
color: #3a342c; text-decoration: none;"><!--[if mso]><v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
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color=3D"#f9c000"/> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,0px,0px"> <center dir=3D"false" =
style=3D"color:#3a342c;font-family:sans-serif;font-size:16px"><![endif]--=
> <span class=3D"button" style=3D"box-sizing: border-box; =
background-color: #f9c000; mso-shading: transparent; border-bottom: 0px =
solid transparent; border-left: 0px solid transparent; border-radius: =
12px; border-right: 0px solid transparent; border-top: 0px solid =
transparent; color: #3a342c; display: inline-block; font-family: Arial, =
'Helvetica Neue', Helvetica, sans-serif; font-size: 16px; font-weight: =
400; mso-border-alt: none; padding-bottom: 10px; padding-top: 10px; =
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: =
24px;"><strong style=3D"box-sizing: border-box;">Make a contribution =
today</strong></span></span> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></a></div></td></tr><=
/table></td></tr></tbody></table></td></tr></tbody></table><table =
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; 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"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><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
font-size: 14px; text-align: center; mso-line-height-alt: =
21px;">&nbsp;</p><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;">*The =
2025/26 tax year ends on 5 April. However, due to the Easter Bank =
Holiday weekend and potential variations in banking processing times, we =
recommend making your contribution by 2 April to help ensure =
it=E2=80=99s received and allocated within the current tax =
year.</em></p></div></div></td></tr></table><table class=3D"text_block =
block-2" 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;">&nbsp;</p><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-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"html_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; text-align: =
center;" align=3D"center"><table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" class=3D"em_p3" =
style=3D"padding: 15px 70px;" valign=3D"top"> <table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td valign=3D"top"> <table align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
290px;" width=3D"290"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 130px;" width=3D"130"> <tbody> <tr> =
<td align=3D"center" class=3D"em_h0" height=3D"31" style=3D"height: =
31px;" valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Call_us.png" style=3D"display: block; max-width: 30px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; text-align: center; height: auto; width: 100%;" =
width=3D"30"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top">020 3457 8444&nbsp;</td> =
</tr> <tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Monday - =
Friday: 9:30am-5pm</td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"123" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Email_us.png" style=3D"display: block; max-width: 34px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; height: auto; width: 100%; text-align: center;" =
width=3D"30"></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 9px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 12px; line-height: 22px; color: rgb(0, 0, 0); font-weight: =
750; text-align: center;" valign=3D"top"><span style=3D"color: rgb(0, 0, =
0);"><a href=3D"mailto:contact@pensionbee.com?subject=3D" =
style=3D"text-decoration: none; color: rgb(0, 0, 0);" =
title=3D"contact@pensionbee.com" =
data-linkto=3D"mailto:">contact@pensionbee.com</a></span></td> </tr> =
<tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Send us an =
email and we'll get back to you as soon as possible</td> </tr> </tbody> =
</table> </td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507653/ema=
ils/Live_chat.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"28"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 7px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/5m8zWIXhse3vVILaazryZTdhDb5Zb80B=
1jmos-ZkjggfM8hSPtr7bNSsDFtSUdUnBTH8rCKkL6VxOYl0QVhP097Tul1mYPIBZ9bjcLM4q=
WJ0gGm0RAmO2UkToSlZqKf8b6VIwZv9s04ZhrXEwTi4zLy3wVVGMwF-g_NLcq6zsQqnCZCTz9=
dfcScZxqBIBWBJtIlXg2JfnDXRjgj1nf3D6NpRgVsbY-44QQru1dY-e6sALJIjTHKcn-AkFb0=
HH2p7miVS3e1QR4hqKf_flnDgWuMsneRT075r_nJ2JNxcZt7wKu5Rlvm5tJUCcPaNOVpgW8eX=
-K9oj7xqNHa7pdmJXaQTY03Sfku8oRy8M8YFVM1ZZA_PXQcuA1HDz71dzHA2dh47CQ7vNtfe_=
7oaBdALOq3V/ayG2xeUYWsLGuJXCyPJNIB1vk4QDP8ou/19" =
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/s/c/NYPvpr9BnVZRriztkPtotYbktrXHBGjk=
KxNLgjlm-eeFb8tzUyREl2TaJ1rJeEqjX_a8SO8claiWq4_nhOn-K0HTngdSNcz02P9fCnFQv=
VH1ns2oUUw98AzmnzuxatZtQBbaWzOPzwHqCiaxHOnQIHibUdrfnLXrEgLsngzRjD10OWVeBQ=
RKuiYG4lgxg12AylHWMkyxAZD4Rf-6tFR20H72cZ2qXd-DCW_PIS00quoGJRui35NhKROdFB9=
rknrXX2gJpvJUSOrp93Oqay2nfQ1w4NWUZcwSxiMC9aKPqFvBaGl3PqVGhIa3pe--4G7pBXHO=
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m2MIeznfyCGxQwbdCPbsjvZ9O3mOH4xu2K-VDSEwTfl2XezfN9BvtYFKwN7bzIU_ISQfm15RQ=
J-JK8ty0vCitro7V7ob-W4InBYoYouojk0iqrrKNHFKfHmyx6g7utw3MZUaN1dM3uaJBb91jn=
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o0kE_/19" 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/s/c/QrW2LVYooiIamQ8JL2r1Z3YNaS63_8P4=
RAd3mT3GtV44TaHO-M2sC3tLyg8CBNkFE2SE-HsONIulqoDALk-kd6Esyc_n8WzgXNGhXMdq9=
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text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot Logo" =
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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/s/c/sxPBPQ2VRl9EscYOUzYUnJsN8YJ7lS0y=
Zeh7fxQRSNq4g70KLRkeuYSISP8hVw8xr6ibU-PtmybTTsX_xmCjQ9UTB4U9Wkbn3s3cH3M0N=
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ROTOXo564lFQ-ceBKld1gbRPYa6IO0d/ozVPdy6jIPRGuLyQwwzpGtys6SA9fWpm/19" =
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/v1731515759/ema=
ils/Social_icons_Facebook_yellow.png" style=3D"display: block; =
max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
height: auto; width: 100%;" width=3D"32"></a></td> <td class=3D"em_w1" =
style=3D"width: 15px;" width=3D"30"></td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/Wp1SdjbXv8QBUcvfZ3ylFMSU8OmvbAFi=
qv_UJAcKHlpo24f9UJubMAW-CStUPU8tWr3A68jwci2dgch7zQ9ZqmzqW2ea65XGnDAsbJ6Sa=
2bT3ev_UxXkkgBdyfu87E-fl0AtUH9J6sUWMNZkjcdQM7n5XBHUa-FDPsleoklZ_n0XMxMk6a=
05Sgzs4AQYGh5toudozIhofZYmv35LV919FfopgXyHbGcmI18VBiFo1bpTP-9ScYWGub3jG9f=
QmS-cAlqiwlZpZObZ7twHbPF1Cgms0k1Q1JHq0ItTe8u84C9glKZaLeG7RJ_VL-dZmRw6n4KQ=
axf1edKNYe_AX2j0tnz-YcXDxXfzGjlVkZOuf7A0HZnymCEh-a0THIEmoC8Kp1nPui12jxvFD=
Xm81QhgKtGrPlXgDo_ZXx1_TcglzauQ/Wcka0IbxTetLuC5haIFcPaU9sx3ikQGs/19" =
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/v1731515759/ema=
ils/Social_icons_at_yellow.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"35"></a></td> <td class=3D"em_w1" style=3D"width: =
15px;" width=3D"30"></td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/INAe4a811QLNKkUiNodDYmEsSfvGjmyk=
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