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Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: Don't give up now, Robert.
Date: Tue, 17 Mar 2026 12:45:02 -0000
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  <http://sp.pensionbee.com/q/WBzFEYTmZQFFhfZJIYrEYg~~/AABRIhA~/vhV0B9laBNgFn8-FE_1kd7u1RU-Vn8Db4hKbSbAYxqbngbMh-clbq5-fA8z_koBuu5xoxJyAly_pWP9PXn27LA~~>
You're almost done! Add your previous pensions today. 
<https://links.pensionbee.com/s/eo/SrY-5S3FBI9BKHn0bt72s5qhcuUmpDfZcKaLevJiJIBR6GIEuBxArg_aKQUwwDgRWGgbWmxC8llAVe4bbsO5K9To9OmYMDEVRoDbDVZOKKSbL8-07jeYonhFeRutw7bF-v6ZGESkVvvW5iQ656dvniYdOEq1Eqqqr42Y4T4lNXGXiuSnNcGQPbGdgz7WzLu1XoU37eUx4wE72evmOpE1KbyuwrngQdR5yQ/sLSoyr8QDecDM9t2iMUPyetKEFut7wdh/18>







View in browser 
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Log in




Hi Robert,



If you’ve had more than one job, then the chances are that you’ve got a few 
old pension pots lying around. With PensionBee, you can combine those old 
pensions into one easy-to-manage online plan.



Consolidating your pensions with PensionBee can help you:

*	see your pension balance at the click or tap of a button anytime, 
anywhere;
*	leave the paperwork behind and access everything you need online; and
*	manage your retirement savings with ease from one new account.

It only takes a few minutes to add your previous pensions.


Add your previous pensions



 <https://links.pensionbee.com/s/c/0vsUmEq2GZVYRSNmiJPSuBIEDfBc5GOQTfGgbiabwDiVzIFLcLs57QLcPbF5Z2EzNQyVSGe2VJciuTeUa5P3Ok9ezefu1pxlDwvmWNsNI7lmhELgsFK8z473fhVVP5tuxb9FIXrjxTW2aUSrEhxW8C7xoL1dFawmiWmM0Vv6XucKAe5MnFCBVzFZd3txAhz1A17be3VC3nhD4wk4PDkoBQ5jbnByMXxPwh324E9JMavkET-_WpADaYOt1r1dKZujFyqmB7tCrgG69EL2-QI_j_e-8Y-2m33Dwz4ooKvpE4pFZzreeWGXEFEQir3S0xmzjIUojZ2SebSS0B3FfoVfqZ_YzWiT2wQkpsAHZROu0__jhZ0768_xR8ZIvWh_bO1wiW6nlwqSgUfH/BEKWEcspQNELo1ag-_4MjKBTzkTpMR7V/18>


One in every three households in the UK is now single occupancy. Here’s the 
issue: being single could be costing you more. This month on The Pension 
Confident Podcast, we’re discussing the ‘Singles Tax’. Read the transcript, 
listen on all major podcast platforms 
<https://links.pensionbee.com/s/c/h8_s4ZBU6x67FCsiRtuRMTUK1CuB83IgbZ-ycXNI1hzmgULt_2iuZfagsJ4p8nkJIdqofDRT3vH9u57jnzELs_Op5nM0wIl---f4d7TSn1pbHL2EWUh3llkBgYD7pUcPAEig36RuZ4SNyb61b9NnBleV8clciKl9ZSaSTJhXYX0a05q5Oe4Q3G8n1kVZk2pTDumMYVgkBx5w0DaNHjgwuwuFz7XR9RdJG9dMtSMkn7C5VEa3UzxHVESlsj0abQJ-KUhCGZZK6ACVXvhzYa3O5LPiwfUVwyIKv4bEjEpkG5fGDWv1BsmPrpuK80z85nQgVXSmokq5PWQBj36KC4RYBSnzot-Zbmtz2bXySnNKFG5yaSgBSFaoDp7co9RrJekJOSDkU2oNOaQN/e7wM6eRW5AzBwhp1qaiehW0DeB_YYJ2Z/18> 
or from the PensionBee app.




With investments, your capital is at risk. Pensions can go down in value as 
well as up, so you could get back less than you invest.




Have a question?

Get in touch with our friendly UK team.







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020 3457 8444
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<https://links.pensionbee.com/s/c/Ro2GM27R0U70swjW5-I7N2XLYcMkodARIRcAqwtue2wrTJAAGwa-mT11RouvflZ8D45spT7tIQimjd2f1vUBD5WdeYFq-Mh3MdueXi72zZjTsFBEoAhMqyND5hggqHN3pFp9HT-sXY_wxB_9c_067rR7ZTU4OSbShV0VO90aEV_CUPnuyTLAlosKEBtRYGGWUghxLeljye9k4FLFU4UtTv_Txg9QhJlhBU0Sq81ng6uUOSQJENkHjkF5Rwf5d2nP7iGUImAfyHZP-IUiHxpz2ALpIOEKDodgubhkBBmEbpT24fCEWVQ6usCBNoKrulb9uQ3I-h3tTBGHaQ4F0FZMaMOJH5_DbS3ZFdj5SOvtXm3u-czkRmKkXSzpBlTsgJK_EXJefFnAGzYLpnwaXRpPW5awfV-V/jWQO0mpf1vUgPdhBufK10VRD-k0ALLwG/18> 
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22px!important;line-height:26px!important}.em_w87 =
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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/s/vb/_CH-vPSsGzghUK1MKutuoTlD9yr3BQS=
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height=3D"22" style=3D"height:22px; font-size:1px; line-height:1px;" =
class=3D"em_h20"><img src=3D"images/spacer.gif" width=3D"1" height=3D"1" =
alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> </tbody> =
</table></td> <td width=3D"25" style=3D"width:25px;" =
class=3D"em_side15"><img src=3D"images/spacer.gif" width=3D"1" =
height=3D"1" alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> =
</table></td> </tr> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width:600px;" width=3D"600"> <tr> <td align=3D"center" =
bgcolor=3D"#f9c000" class=3D"em_p1" style=3D"background-color:#343a40; =
padding:17px 25px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tr> <td =
align=3D"left" style=3D"width:126px;" valign=3D"top" width=3D"126"> <a =
data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/X45PsDEDH7waoCYg-95s4jt741CXfE_8=
APbE9ldhF8I6fCItnhP7eB-umIxSk8ErjpEAFj9eqyjEWO2ezaFXo9Ff5N5Ra3Rq7stIqTB67=
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7WjewMPlZHyLlffsmEqN7Lyz1WS8je6G4yMwcBoc6pv2VNTYXelfQ/JNzBlNM11q25x1FYFXQ=
t37Jc1EcJPJ8B/18" style=3D"text-decoration:none;" target=3D"_blank" =
title=3D""><img alt=3D"Pension Bee" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731506007/ema=
ils/email_templates.png" style=3D"display: block; max-width: 126px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; text-align: center; height: auto; width: =
100%;" width=3D"126"></a> </td> <td class=3D"em_side15" =
style=3D"width:353px;" width=3D"353"> &nbsp; </td> <td align=3D"center" =
valign=3D"top"> <table align=3D"right" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width:95px;" width=3D"95"> <tr> <td =
align=3D"center" bgcolor=3D"#343a40" height=3D"42" style=3D"height:42px; =
background-color:#f9c000; border-radius: 4px; font-family: 'Ryo Gothic =
PlusN', Arial, sans-serif; font-size:16px; color:#FFFFFF; =
font-weight:550;" valign=3D"middle"> <a data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/2SnT1wM3-BtbzKdDPwxAJ6qK3H7UT98z=
QLHZQCNyqp3q8KuPQdLkNo2kN2BE9_c1SqYB-E7cLH0HGX53K2DEUUBOFbPerD5nxDj8jBkU_=
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4oPGsyVr8XN1Y5D3oHFyjLF1E1-JXNYQ7noerPozNtFV0hn5ovmu8uyzs-o3NLbJkR1y6hFhX=
k2mqmg1ujMaOZmjaFQtyQTpYwr3BKsvSL90uJsCPgu_i0vjNmokXw/WvUew8PDZZ7bZvDnppz=
X3DLorIC5HyW7/18" style=3D"color:#343a40;text-decoration:none; =
display:block; line-height:42px;" target=3D"_blank" title=3D"">Log =
in</a> </td> </tr> </table> </td> </tr> </table> </td> </tr> =
</table></div></td></tr></table><table class=3D"image_block block-2" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box; width: 100%;" =
width=3D"100%"><div class=3D"alignment" align=3D"center" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
max-width: 600px;"><a =
href=3D"https://links.pensionbee.com/s/c/uMqlmxoa9F4BGEOkdVr8bkTFd7U1TDTg=
pRchQbXTCNT-vRSZa7_U45m5jLU5hiB5ek69ljVtykgqgwNqjMUWSSrYnspX_AkgfygrQxC05=
9yUFG_zXCYRXdEliSqoUsUK2Niktkfe4QCGj3L_7vxvaPOdb13_bP4fZvMkwXlJtoPXbaSzv8=
kmfZ4TCP-AoXTfLUP2HUbbhswW-9-DxRcnmrdMRuIfqi_HdFLYE6KrQufbMfVM7YvUjq-S-d-=
u3iciu7VgcT0VVSTQo5fOjuwqtnZsJoJAz71Y27Pnw56q04Ns4dHy9_3g8boyy9c8SpkQkQHP=
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HoDTEYWbo6dTrguyoaiJR7nm-EOr624HCnQHxgI0ac1zBIbBb_-yRj1/nvBqi3lErqf_DuCLp=
uPue79xK1J4pc4r/18" target=3D"_blank" style=3D"box-sizing: =
border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1738160345/ema=
ils/2025/Have_you_changed_jobs__1.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;">If you=E2=80=99ve had more =
than one job, then the chances are that you=E2=80=99ve got a few old =
pension pots lying around. With PensionBee, you can combine those old =
pensions into one easy-to-manage online plan.&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;">Consolidating your =
pensions with PensionBee can help you:</span></p><ul =
style=3D"box-sizing: border-box; line-height: 1.5; mso-line-height-alt: =
24px;"><li aria-level=3D"1" style=3D"box-sizing: border-box;"><span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;">see your pension balance at the click or tap of a button anytime, =
anywhere;</span></li><li aria-level=3D"1" style=3D"box-sizing: =
border-box;"><span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;">leave the paperwork behind and access =
everything you need online; and&nbsp;</span></li> <li aria-level=3D"1" =
style=3D"box-sizing: border-box;"><span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">manage your retirement savings =
with ease from one new account.</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;">It only takes a few minutes to =
add your previous =
pensions.</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/dZu1AzRqPBu1W4XaOdH04vOctyZ2AFHk=
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color: #3a342c; text-decoration: none;"><!--[if mso]><v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
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color=3D"#f9c000"/> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,0px,5px"> <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: 5px; =
padding-left: 20px; padding-right: 20px; text-align: center; width: =
auto; word-break: keep-all; letter-spacing: normal;"><span =
style=3D"box-sizing: border-box; word-break: break-word; line-height: =
32px;"><strong style=3D"box-sizing: border-box;">Add your previous =
pensions</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" align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; border-radius: 0; color: #000; =
width: 600px; margin: 0 auto;" width=3D"600"><tbody style=3D"box-sizing: =
border-box;"><tr style=3D"box-sizing: border-box;"><td class=3D"column =
column-1" width=3D"25%" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; font-weight: 400; text-align: =
left; padding-bottom: 5px; padding-left: 5px; padding-right: 5px; =
padding-top: 5px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"image_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box; padding-left: 20px; padding-right: =
20px; width: 100%;" width=3D"100%"><div class=3D"alignment" =
align=3D"center" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; max-width: 100px;"><a =
href=3D"https://links.pensionbee.com/s/c/0vsUmEq2GZVYRSNmiJPSuBIEDfBc5GOQ=
TfGgbiabwDiVzIFLcLs57QLcPbF5Z2EzNQyVSGe2VJciuTeUa5P3Ok9ezefu1pxlDwvmWNsNI=
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CBVzFZd3txAhz1A17be3VC3nhD4wk4PDkoBQ5jbnByMXxPwh324E9JMavkET-_WpADaYOt1r1=
dKZujFyqmB7tCrgG69EL2-QI_j_e-8Y-2m33Dwz4ooKvpE4pFZzreeWGXEFEQir3S0xmzjIUo=
jZ2SebSS0B3FfoVfqZ_YzWiT2wQkpsAHZROu0__jhZ0768_xR8ZIvWh_bO1wiW6nlwqSgUfH/=
BEKWEcspQNELo1ag-_4MjKBTzkTpMR7V/18" target=3D"_blank" =
style=3D"box-sizing: border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1754300520/ema=
ils/Podcast_platform_logo_1.png" style=3D"box-sizing: border-box; =
display: block; height: auto; border: 0; width: 100%;" width=3D"100" alt =
title height=3D"auto"></a></div></div></td></tr></table></td><td =
class=3D"column column-2" width=3D"75%" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; font-weight: 400; text-align: =
left; padding-bottom: 5px; padding-top: 5px; vertical-align: top;" =
align=3D"left" valign=3D"top"><table class=3D"text_block block-1" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; word-break: break-word;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: =
border-box; padding-bottom: 10px; padding-left: 10px; padding-right: =
10px; padding-top: 15px;"><div style=3D"box-sizing: border-box; =
font-family: sans-serif;"><div class style=3D"box-sizing: border-box; =
font-size: 12px; font-family: Arial,'Helvetica =
Neue',Helvetica,sans-serif; mso-line-height-alt: 14.399999999999999px; =
color: #3a342c; line-height: 1.2;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 12px; text-align: left; =
mso-line-height-alt: 14.399999999999999px;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 14px;">One in every three =
households in the UK is now single occupancy. Here=E2=80=99s the issue: =
being single could be costing you more. This month on The Pension =
Confident Podcast, we=E2=80=99re discussing the =E2=80=98Singles =
Tax=E2=80=99.&nbsp;<a =
href=3D"https://links.pensionbee.com/s/c/g5ULbr1A_8KkYcl3C-wV0zf2J5G2pWhX=
GRZdNF1Z-S3oJ_7CNN3PAG_FLBLXXn4-tyi718kvXqlaImdnMFrJNyrtEjpF94DDnz4yCPkqg=
vGYQ9QyN-OFPAubV9NF3YMIVLMnESb1RupC_fJLMsnA02bSIXUoyI0CyMZG54EFttflzcHNxO=
ldrWYbUuiJRnzcnIJcVdjX-tip9BRQFmMTkEINBZuiOKmzrbu8-yd3AS6ITrTUKf1XNMFEnMp=
WGbb8XRwUIsADNSBgksgKCseM0Fi8TPUEhSHUAJj07OIA-UKY0vzSjRhDwI9KF1CdTFrOkijr=
c-C90r5OmcdCUtmlbwvsmwrB6_H2LaOeW2T3PsQyXrff8GJorz167LaUkPhuagJFRDSL2q_RX=
ockMvuV9RgKfMcTs1vaT_eXG5uXTFWJ53fAHsK3fqZa3wLLkzdkCwfzICKFaWlQw3mYzsXqp7=
qJu508TP8/lnQG6SQNGIx35qeFOMf7aTNzZT6CHGJQ/18" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">Read the transcript</a>,&nbsp;<a =
href=3D"https://links.pensionbee.com/s/c/h8_s4ZBU6x67FCsiRtuRMTUK1CuB83Ig=
bZ-ycXNI1hzmgULt_2iuZfagsJ4p8nkJIdqofDRT3vH9u57jnzELs_Op5nM0wIl---f4d7TSn=
1pbHL2EWUh3llkBgYD7pUcPAEig36RuZ4SNyb61b9NnBleV8clciKl9ZSaSTJhXYX0a05q5Oe=
4Q3G8n1kVZk2pTDumMYVgkBx5w0DaNHjgwuwuFz7XR9RdJG9dMtSMkn7C5VEa3UzxHVESlsj0=
abQJ-KUhCGZZK6ACVXvhzYa3O5LPiwfUVwyIKv4bEjEpkG5fGDWv1BsmPrpuK80z85nQgVXSm=
okq5PWQBj36KC4RYBSnzot-Zbmtz2bXySnNKFG5yaSgBSFaoDp7co9RrJekJOSDkU2oNOaQN/=
e7wM6eRW5AzBwhp1qaiehW0DeB_YYJ2Z/18" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">listen on all major podcast =
platforms</a>&nbsp;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-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; 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></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-4" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
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width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
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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" =
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