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Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: More pensions than you can count, Robert?
Date: Fri, 7 Feb 2025 10:41:47 -0000
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  <http://sp.pensionbee.com/q/VVMfysglZJjwQlc7EUJuKg~~/AABRIhA~/zy0FpOZlC2W9AZ6uF_9_iMvaIrcxzXRWRXuALOcIpaoDs8kiE1TzI6wRNnTS25F3GiO0xqP3Qv0I8AAGMqsz2g~~>
Combine your pensions today into one easy-to-manage online plan. 
<https://links.pensionbee.com/s/eo/8C3kfKK0bVvRXQQu2gbqR6DkUx1eV_xWyKXWfb2W3Md5_QqYT7ylZ5FMOEwZuf7yj1atqToiQZe9O0nRbkACqUhY37azzeYV1m4MaRABBDQnJeAVU0d7I1mKR4khJBQKXN_2xqHvt4NHjmzTmdeQsmICBj5yRPZv0PnkmnPJXyiIaaZv7T0HyHcO21nvf17qs0RAcrUwlFXQPDAHuULZRvbcLUmZ3agXWQ/R0VhugWT8u6CLSLl34o612iMsQCPxy8z/5>







View in browser 
<https://links.pensionbee.com/s/vb/4pHCA8rnkPjlc-QfrNRC64oonBG4nDPhWIFcbdlXQvt7Qrwho7t4pbUpNp8g-Rp5XFApyTXay0ISvtQdkJ4NW0JeO0_tmUHM5egmlCkXyk30j9fcOwzMNKjtn-LCG3vxe5f1i652NRYTyDUWKxuJijevI4evv2sBoHE/KlKGkkcXqwYjNQWd18F5CWNK44CTQS4Z/5>



 <https://links.pensionbee.com/s/c/j8tU527epYaTix7IBXp4gA37lLaQ_x5_W8d20oUViWs8sTGtPZTvbEe4yekn4UMUKm_qJ7rgTeKmkwy9-CplhceSr8J7Vwn_3h_opi4dY_ezBRaGagkHc84x0MGmQJK9Yi5MWLVXp7wg9bzjvOADFxlIDQ46ubFGPJEYm1xV2TxRFggQ94bRxtayFzOewMTKGX3hrFYPb18RrFLgvLYvkF3SrPJco79GDtzKT0Vq3b9IMNoQbRYnIeJ5UjLK-giiDrEgFJdqWOxtqUIbCyl7EyGSJPlzD47WWgG_V3MC4eZ80vL7wWSRZ8-ggijfvJCU855YYLnU6A/21iZeFtvgI2mkWMCmYKsbjakksvUWaqh/5>
Log in 
<https://links.pensionbee.com/s/c/PUxRAgr0EWXyytk0ESQNyQuN_t1TRJa5dqzZrDjlC4Hr80Wp4ML_0NsT3-QPYaxEDi8Hjwq8UvGwxUB2HeJmhJ5zn_OYQ52BGMQCgrzmAx1t1YU01Ls4HXWmqQ8BovpT38NnRyNdf53tb78_Txel8mpCO4p3uA5KZSjv60LpSjeRmfj4mF32t_yZbn1eqhI-X6DyZvsFVlZnTuTzVH9QtOg3h-Dhi1bGINmmY4DWNpPGfcwCXHN4Ea91aOr8vxZEz2MJpKNtQB4rGZhj6WDQGYM6ebmQ1Xv6kfCAEjiPrapylH_1giUtRG83KsS6MpXJivVkW3mjdA/zAgvYeMVm6_rAdNSHMxlD0gHkOhO3kwe/5>

 <https://links.pensionbee.com/s/c/VSz407LQZ4Z5s5VZXhWjLFAbHyCV7WT74-uMv-J0anFLiwcK7Mupe4SynXm703O85FYFxJlfvghyJEHICQb3TeWlTyGmPAm-eYXwSMyoykdQ12XfZA_0_F9_gmSD7fBWxJLeiwKsYXW24L8DzTD_vS7XQpBq2Kjq8i-ThYvSpQ4NxSVDiLyWUO7N_ut9FjKKEu7nLxDPhukYOYOCyFLDhtws_q3txe9amZs5eZ4npN8CDq9ZXDIJCyk4ZY9mB1xDOqWqudZ1GF6MmvSWgd126uYU_-u0ibVSVEBGyOyJuZowiT-Ogwk8tiG5ulicQTMpjEq9SHOD5w/piJ6wjonFevt3AwMSBpl5MW9hwTS8_Fw/5>


Hi Robert,



Have you switched jobs over the last few years? If so, you may have a couple 
of pension pots floating around. You can combine those old pensions into 
your chosen PensionBee plan - it’s easy!

Here’s three reasons why you should consider consolidating your pensions.



1. Greater visibility over your total retirement savings - with 24/7 access 
to your pension balance from your favourite device.
2. No extra paperwork to store away - all of your digital documents are in 
our app or online.
3. Simplicity of managing your later life savings - switch plans and make 
contributions in just a few clicks or taps.



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




 <https://links.pensionbee.com/s/c/-VLI8mL8CvKvgLKm9KIRlv-Xgjs6hiVF2Nfe97NnsnEe-XvLUNKurPEwhFZszCzU0JpzAxtMV50J7RhZsANH-8S9-EPQzA1tSDzHLmzh7IJKQ3ERJaNWEzwxKaCEa92IxJX3ExPXwcamw4v9PaWbW5jd_Ddblbg0lL0fBRb2Yy8Ub0SX0GYTFGPKOWrVV0po_cgIdgSLXriqEcKoqpx4GbZAlhgrxQRQYJU5NQIpuMAE4UJ5b3lPdwY-Rjp047RQ-zzLyHteo_L4yoG9bPKihc1z9XtQsIpsS1k94uZjeIso0kZoMLQM7heBuOVgRDirNvHnQKeUtw/Yigzm-1Z1MUGgu18eQRfAWLgy1LcMMrq/5> 
Combine your pensions today



  <https://res.cloudinary.com/pensionbee/image/upload/v1692616392/headshots/pension_confident_podcast.png>


This month on The Pension Confident Podcast 
<https://links.pensionbee.com/s/c/6EKl8uSltgUAZE8kLVO_iENVMJDibKoxCJixBY4FGb4OW428JNOP9s2wAdgK8XC8TKie16fe1ZzsNJkKr1WriQ6PDJQ1HgbcvP64nzBWOTWXqev_k4FJ8Jpm4Tv5aWwZkO75-zQyqgFpqGBHP7907bQKJH9uRrLf18McEcEWvAqD7FX5N0vBtCfw0-FaAIQlmQ7X9osroIhQL_lIKp933uNh2mhxr00Lf6OjLalm8h4prSbxBzcvJcbA01cb_VodJQ_6mgzetzXR6rhILOzjh4WcilpJqZmcP3GtcmcgiWBmtSkOn14ZY93q8qbyzeeO6g/JmPFK7qFouRJQ3O5hNhf-h1AFiA2UjXa/5> 
we’re discussing the cost of divorce. Join host, Philippa Lamb, and our 
expert panel as they help you build your post-divorce life on the best 
possible financial foundation. Watch on YouTube 
<https://links.pensionbee.com/s/c/O0W4KcN_gJuctDV6kqmDAGm6lWcQkzsE-ICJR3WM1SykZirHyftSuTWO3RFYcwDYj-evr1s9KJN5hMNusNu2sMMZYFv09JYKGB7HumZYyTIvmYm0G6e10z_5MmYCTc8i8yBeDEK3qLtC8bjqroKmVEN4u52BjIXFJdEHymJBnKIUrl_jsxjUOeTCIvKjqM7lBNcWlC4JFdKxEPJR-kXAbE_jaaL1XF1939NBWsSmv9JhPllKopaEV4x3T8vQ__f5u6X_AcuJWsfmdwzLU_FzXtKvpOmuKAIIv73AomuW9TQBKo_xgtIRarKdY2IpoHXbHmB66YQQMg/kPvVYMF-2fhzqify_tITncMLDUkjuZ0D/5> 
, read the transcript 
<https://links.pensionbee.com/s/c/Fcu0-qA2RJSP4_3CrWhImxQiHRmYeIKTFWS4SQyIvHMoSspGKzD3U3TA3wRs_-NlqRDD_wFltbrb_zjWVRfDjbiV7XiKSiBUc95P4T3TPsYaDBX4jnY0KPV5Al3qRHu12HycCGhR79E4ZBJvj9MlOJCQzDB3fCw0uzUumuCZGYn5e19wybe285rGBmGDQeLLIKARty7vN0O1ihWYC1XwCeOdp38ptFe7sY4q-9pGCfDZDmJ4aEEt8vq0rhKUFVICfY7HANvS_ZD-YOHxgytLGws1NDonHIegJ2ehID4S9CkAIwUgge-IHiopvnT9a_Doa4qceG7VQw2mSKN6yadBwenR3Du03C7WqU_40-W2/g9JjmV1q0P7uEtSe5Zz3osNBzEOg-lDi/5> 
, listen on all major podcast platforms 
<https://links.pensionbee.com/s/c/oYSuA8vh41_-hK3MSASVHptBedQK9HpP9LHC5yefBeK31G8d4gJKSYL2oDrP7aQnZ6YEfQJIRpDI3sdyoH6OX3BQ61tFIpEAzAgJ2bNTtUmw9-phKNKJ69kKw6ctrHLc8NypqTzjctUvMdC7vpR__zvtI3mSMSMcvXb31H3v2TndD72vdbrrBT-Fvza_4qV2AK-3t2GPrZQT-bthXflv_0O-W9frGNgRE98FdaAIx8a4qS9f21uy8dbbjU81IybNgKZYmWVsyjYYJm9a4b31WPd5UWpa1wXj9iZdnO8x0ukjyCQ/C6_xCN3tXSYrisUH105IW0nrS48Cat3J/5> 
or from the PensionBee app.




 <https://links.pensionbee.com/s/c/wt7ZOGAB_O-GafZwnYMPARPEU1fGl_oLp15ijieT3-FoSqtGfRjwY2FyYxEYOhTJccZOCawkFJ8fozz1jcKVOD-44YJuImr2tDyyVwWSRgpj8VRJ9PVFMABsylpe8D0Gan2sLKJanAeb5kO_BSaTQc4uz57CN_tcf333Z5-bMSzgTgGU0QPMOlh67hk6iHoPRcTmN_6G5wVUsHwP3CXV2D1f5vayAVlMGPOn_22p8eSa32MLXUbfMEHqOoHzgLlNG0x6-wSbySidPVL4f3RXwYkiOSDoGjsUnXkdXTQz1GlN9l0/IjT70FFrRI76yBTwwIccnbxHImx5i9D3/5> 
Listen now




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/S2zagS0H59VICcWug1e6trj3YiUvN2Gk40-hqHqUveLQOB03R0O1wFHbwE5fxI60k9ZZtjRlpw2t8n96PaBazPtBgeioIipSVmgVQ2krimyC6HDtaBBcPlO49F1baDfRrIv5NNcEqBfPS5iSYnpt49CNOrTjJ5M7r3k6zsy6yTWo4uLIC5AnRI_hVVfLOkagWWZymhzguUZluMhaceNLJ5Ude2J6IRVuMxpKcS6vDekNrLpyUika_1WiydZrly3XNcpEzoRTmXmAgTrW2IsgOWf_5UW0RaztSzza21kg2VEq6Kq5CpcH1TWPwaPVbAA/gY8vFtV6o7OAcBK9EvgCOFQ2norK8dIc/5> 
<https://links.pensionbee.com/s/c/YMf4endFoyLdp8atE6x89jFId-vlCCB5Fu_XW1vIAdpe0Q6-tJi8-T1pTQY9T5Dild6XB26_HY-7rCz-u4wD9rLTSpXKEAs2RHDlbZf66lPFzNnJ3KOcQ2hEafjAEal32t4R9XGewjWmecCFm-Lz64ZvN4BISq8zD0S-SL5_kPEBpCVQzjZQoa6YgMf5DJ2_VF_xdfZmiYK0rwv79sL3zm3knxhuHvnk8eB3yxw5mlmWl9-JWAoTLphNxvfD3N9SxvRK7QRAv2kptFKeBDNzxBoPFzTgpmyP1cOcMRrFjhz04Bzym1CnBJzkFnSflw/imqDUK0TRFD9fmncJF0kF0prsGurX9TT/5> 
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<div =
style=3D"color:transparent;visibility:hidden;opacity:0;font-size:0px;bord=
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border=3D"0" width=3D"1" height=3D"1" =
src=3D"http://sp.pensionbee.com/q/VVMfysglZJjwQlc7EUJuKg~~/AABRIhA~/zy0Fp=
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<span =
style=3D"color:transparent;visibility:hidden;display:none;opacity:0;heigh=
t:0;width:0;font-size:0;">Combine your pensions today into one =
easy-to-manage online plan.</span><img =
src=3D"https://links.pensionbee.com/s/eo/8C3kfKK0bVvRXQQu2gbqR6DkUx1eV_xW=
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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/4pHCA8rnkPjlc-QfrNRC64oonBG4nDP=
hWIFcbdlXQvt7Qrwho7t4pbUpNp8g-Rp5XFApyTXay0ISvtQdkJ4NW0JeO0_tmUHM5egmlCkX=
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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/j8tU527epYaTix7IBXp4gA37lLaQ_x5_=
W8d20oUViWs8sTGtPZTvbEe4yekn4UMUKm_qJ7rgTeKmkwy9-CplhceSr8J7Vwn_3h_opi4dY=
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K-giiDrEgFJdqWOxtqUIbCyl7EyGSJPlzD47WWgG_V3MC4eZ80vL7wWSRZ8-ggijfvJCU855Y=
YLnU6A/21iZeFtvgI2mkWMCmYKsbjakksvUWaqh/5" =
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/PUxRAgr0EWXyytk0ESQNyQuN_t1TRJa5=
dqzZrDjlC4Hr80Wp4ML_0NsT3-QPYaxEDi8Hjwq8UvGwxUB2HeJmhJ5zn_OYQ52BGMQCgrzmA=
x1t1YU01Ls4HXWmqQ8BovpT38NnRyNdf53tb78_Txel8mpCO4p3uA5KZSjv60LpSjeRmfj4mF=
32t_yZbn1eqhI-X6DyZvsFVlZnTuTzVH9QtOg3h-Dhi1bGINmmY4DWNpPGfcwCXHN4Ea91aOr=
8vxZEz2MJpKNtQB4rGZhj6WDQGYM6ebmQ1Xv6kfCAEjiPrapylH_1giUtRG83KsS6MpXJivVk=
W3mjdA/zAgvYeMVm6_rAdNSHMxlD0gHkOhO3kwe/5" =
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; =
line-height: 10px;"><div style=3D"box-sizing: border-box; max-width: =
600px;"><a =
href=3D"https://links.pensionbee.com/s/c/VSz407LQZ4Z5s5VZXhWjLFAbHyCV7WT7=
4-uMv-J0anFLiwcK7Mupe4SynXm703O85FYFxJlfvghyJEHICQb3TeWlTyGmPAm-eYXwSMyoy=
kdQ12XfZA_0_F9_gmSD7fBWxJLeiwKsYXW24L8DzTD_vS7XQpBq2Kjq8i-ThYvSpQ4NxSVDiL=
yWUO7N_ut9FjKKEu7nLxDPhukYOYOCyFLDhtws_q3txe9amZs5eZ4npN8CDq9ZXDIJCyk4ZY9=
mB1xDOqWqudZ1GF6MmvSWgd126uYU_-u0ibVSVEBGyOyJuZowiT-Ogwk8tiG5ulicQTMpjEq9=
SHOD5w/piJ6wjonFevt3AwMSBpl5MW9hwTS8_Fw/5" target=3D"_blank" =
style=3D"box-sizing: border-box; outline: none;" tabindex=3D"-1"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1738160345/ema=
ils/2025/More_pensions_than_you_can_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;">Have you switched jobs over =
the last few years? If so, you may have a couple of pension pots =
floating around. You can combine those old pensions into your chosen =
PensionBee plan - it=E2=80=99s easy!</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;">Here=E2=80=99s three reasons why you should consider =
consolidating your pensions.<br style=3D"box-sizing: border-box;"><br =
style=3D"box-sizing: border-box;"></span></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.<strong style=3D"box-sizing: border-box;"> Greater =
visibility over your total retirement savings</strong> - with 24/7 =
access to your pension balance from your favourite device.</span><br =
style=3D"box-sizing: border-box;"><span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">2.<strong style=3D"box-sizing: =
border-box;"> No extra paperwork to store away</strong> - all of your =
digital documents are in our app or online.</span><br =
style=3D"box-sizing: border-box;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px; background-color: =
transparent;">3. <strong style=3D"box-sizing: border-box;">Simplicity of =
managing your later life savings</strong> - switch plans and make =
contributions in just a few clicks or taps.</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;">It only takes a few minutes to add your previous =
pensions.</span></p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; mso-line-height-alt: 18px;"> =
&nbsp;</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;"><!--[if mso]><v:roundrect =
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stroke=3D"false" fillcolor=3D"#f9c000"> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,0px,5px"> <center dir=3D"false" =
style=3D"color:#000000;font-family:Arial, =
sans-serif;font-size:16px"><![endif]--> <a class=3D"button" =
href=3D"https://links.pensionbee.com/s/c/-VLI8mL8CvKvgLKm9KIRlv-Xgjs6hiVF=
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QKeUtw/Yigzm-1Z1MUGgu18eQRfAWLgy1LcMMrq/5" target=3D"_blank" =
style=3D"box-sizing: border-box; background-color: #f9c000; =
border-bottom: 0px solid transparent; border-left: 0px solid =
transparent; border-radius: 12px; 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: 10px; padding-top: 5px; text-align: center; =
text-decoration: none; width: auto; word-break: keep-all;"><span =
style=3D"box-sizing: border-box; word-break: break-word; padding-left: =
20px; padding-right: 20px; font-size: 16px; display: inline-block; =
letter-spacing: normal;"><span style=3D"box-sizing: border-box; =
word-break: break-word; line-height: 32px;"><strong style=3D"box-sizing: =
border-box;">Combine your pensions today</strong></span></span></a> =
<!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></div></td></tr></tab=
le></td></tr></tbody></table></td></tr></tbody></table><table =
class=3D"row row-2" align=3D"center" width=3D"100%" border=3D"0" =
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0;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
class=3D"row-content" align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; border-radius: 0; color: #000; =
width: 600px; margin: 0 auto;" width=3D"600"><tbody style=3D"box-sizing: =
border-box;"><tr style=3D"box-sizing: border-box;"><td class=3D"column =
column-1" width=3D"25%" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; font-weight: 400; text-align: =
left; padding-bottom: 5px; padding-top: 5px; vertical-align: top; =
border-top: 0; border-right: 0; border-bottom: 0; border-left: 0;" =
align=3D"left" valign=3D"top"><table class=3D"image_block block-1" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box; padding-bottom: 15px; =
padding-left: 25px; padding-right: 25px; padding-top: 20px; width: =
100%;" width=3D"100%"><div class=3D"alignment" align=3D"right" =
style=3D"box-sizing: border-box; line-height: 10px;"><div =
style=3D"box-sizing: border-box; max-width: 100px;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1692616392/hea=
dshots/pension_confident_podcast.png" style=3D"box-sizing: border-box; =
display: block; height: auto; border: 0; width: 100%;" width=3D"100" alt =
title height=3D"auto"></div></div></td></tr></table></td><td =
class=3D"column column-2" width=3D"75%" style=3D"box-sizing: border-box; =
mso-table-lspace: 0; mso-table-rspace: 0; font-weight: 400; text-align: =
left; padding-bottom: 5px; padding-top: 5px; vertical-align: top; =
border-top: 0; border-right: 0; border-bottom: 0; border-left: 0;" =
align=3D"left" valign=3D"top"><table class=3D"text_block block-1" =
width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; word-break: break-word;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: =
border-box;"><div style=3D"box-sizing: border-box; font-family: =
sans-serif;"><div class style=3D"box-sizing: border-box; font-size: =
14px; font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; =
mso-line-height-alt: 21px; color: #3a342c; line-height: 1.5;"><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
font-size: 14px; mso-line-height-alt: 21px;"> This month on <a =
href=3D"https://links.pensionbee.com/s/c/6EKl8uSltgUAZE8kLVO_iENVMJDibKox=
CJixBY4FGb4OW428JNOP9s2wAdgK8XC8TKie16fe1ZzsNJkKr1WriQ6PDJQ1HgbcvP64nzBWO=
TWXqev_k4FJ8Jpm4Tv5aWwZkO75-zQyqgFpqGBHP7907bQKJH9uRrLf18McEcEWvAqD7FX5N0=
vBtCfw0-FaAIQlmQ7X9osroIhQL_lIKp933uNh2mhxr00Lf6OjLalm8h4prSbxBzcvJcbA01c=
b_VodJQ_6mgzetzXR6rhILOzjh4WcilpJqZmcP3GtcmcgiWBmtSkOn14ZY93q8qbyzeeO6g/J=
mPFK7qFouRJQ3O5hNhf-h1AFiA2UjXa/5" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">The Pension Confident Podcast</a> =
we=E2=80=99re discussing the cost of divorce. Join host, Philippa Lamb, =
and our expert panel as they help you build your post-divorce life on =
the best possible financial foundation. <a =
href=3D"https://links.pensionbee.com/s/c/O0W4KcN_gJuctDV6kqmDAGm6lWcQkzsE=
-ICJR3WM1SykZirHyftSuTWO3RFYcwDYj-evr1s9KJN5hMNusNu2sMMZYFv09JYKGB7HumZYy=
TIvmYm0G6e10z_5MmYCTc8i8yBeDEK3qLtC8bjqroKmVEN4u52BjIXFJdEHymJBnKIUrl_jsx=
jUOeTCIvKjqM7lBNcWlC4JFdKxEPJR-kXAbE_jaaL1XF1939NBWsSmv9JhPllKopaEV4x3T8v=
Q__f5u6X_AcuJWsfmdwzLU_FzXtKvpOmuKAIIv73AomuW9TQBKo_xgtIRarKdY2IpoHXbHmB6=
6YQQMg/kPvVYMF-2fhzqify_tITncMLDUkjuZ0D/5" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">Watch on YouTube</a>, <a =
href=3D"https://links.pensionbee.com/s/c/Fcu0-qA2RJSP4_3CrWhImxQiHRmYeIKT=
FWS4SQyIvHMoSspGKzD3U3TA3wRs_-NlqRDD_wFltbrb_zjWVRfDjbiV7XiKSiBUc95P4T3TP=
sYaDBX4jnY0KPV5Al3qRHu12HycCGhR79E4ZBJvj9MlOJCQzDB3fCw0uzUumuCZGYn5e19wyb=
e285rGBmGDQeLLIKARty7vN0O1ihWYC1XwCeOdp38ptFe7sY4q-9pGCfDZDmJ4aEEt8vq0rhK=
UFVICfY7HANvS_ZD-YOHxgytLGws1NDonHIegJ2ehID4S9CkAIwUgge-IHiopvnT9a_Doa4qc=
eG7VQw2mSKN6yadBwenR3Du03C7WqU_40-W2/g9JjmV1q0P7uEtSe5Zz3osNBzEOg-lDi/5" =
target=3D"_blank" style=3D"box-sizing: border-box; text-decoration: =
underline; color: #007db7;" rel=3D"noopener">read the transcript</a>, <a =
href=3D"https://links.pensionbee.com/s/c/oYSuA8vh41_-hK3MSASVHptBedQK9HpP=
9LHC5yefBeK31G8d4gJKSYL2oDrP7aQnZ6YEfQJIRpDI3sdyoH6OX3BQ61tFIpEAzAgJ2bNTt=
Umw9-phKNKJ69kKw6ctrHLc8NypqTzjctUvMdC7vpR__zvtI3mSMSMcvXb31H3v2TndD72vdb=
rrBT-Fvza_4qV2AK-3t2GPrZQT-bthXflv_0O-W9frGNgRE98FdaAIx8a4qS9f21uy8dbbjU8=
1IybNgKZYmWVsyjYYJm9a4b31WPd5UWpa1wXj9iZdnO8x0ukjyCQ/C6_xCN3tXSYrisUH105I=
W0nrS48Cat3J/5" target=3D"_blank" style=3D"box-sizing: border-box; =
text-decoration: underline; color: #007db7;" rel=3D"noopener">listen on =
all major podcast platforms</a> or from the PensionBee app. =
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></t=
body></table><table class=3D"row row-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"button_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div class=3D"alignment" =
align=3D"center" style=3D"box-sizing: border-box;"><!--[if =
mso]><v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://links.pensionbee.com/s/c/tJ-sd3snS-XB-JiPKfruoSSaRteQ2vs6=
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7ft4SzAuwgpR/5" style=3D"height:47px;width:123px;v-text-anchor:middle;" =
arcsize=3D"26%" stroke=3D"false" fillcolor=3D"#f9c000"> <w:anchorlock/> =
<v:textbox inset=3D"0px,0px,0px,5px"> <center dir=3D"false" =
style=3D"color:#000000;font-family:Arial, =
sans-serif;font-size:16px"><![endif]--> <a class=3D"button" =
href=3D"https://links.pensionbee.com/s/c/wt7ZOGAB_O-GafZwnYMPARPEU1fGl_oL=
p15ijieT3-FoSqtGfRjwY2FyYxEYOhTJccZOCawkFJ8fozz1jcKVOD-44YJuImr2tDyyVwWSR=
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nbxHImx5i9D3/5" target=3D"_blank" style=3D"box-sizing: border-box; =
background-color: #f9c000; border-bottom: 0px solid transparent; =
border-left: 0px solid transparent; border-radius: 12px; 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: 10px; padding-top: 5px; =
text-align: center; text-decoration: none; width: auto; word-break: =
keep-all;"><span style=3D"box-sizing: border-box; word-break: =
break-word; padding-left: 20px; padding-right: 20px; font-size: 16px; =
display: inline-block; letter-spacing: normal;"><span =
style=3D"box-sizing: border-box; word-break: break-word; line-height: =
32px;"><strong style=3D"box-sizing: border-box;">Listen =
now</strong></span></span></a> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></div></td></tr></tab=
le></td></tr></tbody></table></td></tr></tbody></table><table =
class=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
class=3D"row-content stack" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; color: #333; width: 600px; margin: 0 auto;" width=3D"600"><tbody =
style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td class=3D"column column-1" width=3D"100%" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; font-weight: 400; text-align: left; padding-bottom: 30px; =
padding-top: 15px; vertical-align: top; border-top: 0; border-right: 0; =
border-bottom: 0; border-left: 0;" align=3D"left" valign=3D"top"><table =
class=3D"text_block block-1" width=3D"100%" border=3D"0" =
cellpadding=3D"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-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: =
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width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;" =
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cellspacing=3D"0"> <tbody> <br> <tr> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/Z5GbqOgsWwv5SR7nUYwxUSdzah7zXLpK=
hNkTFdhvjhsaNg775Rwu4O3RaOHT5WXBnbu3UBYITDR_MMpHJM3G1iMESi6B-jl7_HdLp0qCQ=
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height: auto; width: 100%;" width=3D"32"></a></td> <td class=3D"em_w1" =
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valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/S2zagS0H59VICcWug1e6trj3YiUvN2Gk=
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ils/Social_icons_at_yellow.png" style=3D"display: block; max-width: =
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15px;" width=3D"30"></td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/YMf4endFoyLdp8atE6x89jFId-vlCCB5=
Fu_XW1vIAdpe0Q6-tJi8-T1pTQY9T5Dild6XB26_HY-7rCz-u4wD9rLTSpXKEAs2RHDlbZf66=
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ils/Social_icons_TikTok_yellow.png" style=3D"display: block; max-width: =
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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: =
15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/uQsHq4AawYh5zjr2OYVrcDNkJtQ4xlNO=
1Nw21hfCltNnYpek3mEQbNFZ9cGa3e_cDml9L2DHyoyGXvuqGBt4dyKmF8QLjF57TaxcadifF=
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B55T5hlGfq1CkwW1Phe3c/5" rel=3D"noopener" style=3D"text-decoration: =
none;" target=3D"_blank" title=3D"" data-linkto=3D"https://"><img =
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ils/Social_icons_X_yellow.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: =
15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/ImjnrLLowi2U368e-pLTo5Xk5qQgkki0=
HP1AUhhoMIN4hG1psMKhaxIvCTkDM5MpGZtCy3McWsTeviZNJKda3Eabsa7maciMJsPjiCSkP=
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1g/gR5kXAJUj-vyLg7GWTSbkGMW_hw9_SVx/5" rel=3D"noopener" =
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ils/Social_icons_LinkedIn_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"30"></a></td> <td class=3D"em_w1" =
style=3D"width: 15px;" width=3D"30">&nbsp;</td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/W7lDSN5zNFVYpp2hBaGoP3G98UpMR4SS=
ODxAiK4Q39Q23HDWEXlvuV9-X4fUg2NECU2C3w0ebqQZgpD0bYWTHP2yZciMFUZqFTH-m7aTv=
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title=3D"" data-linkto=3D"https://"><img alt=3D"yt" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515807/ema=
ils/Social_icons_YouTube_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"15"></a></td> <td class=3D"em_w1" style=3D"width: =
15px;" width=3D"30">&nbsp;</td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/mispKjCRvEqWnC7mWkFZ9uZ6b1N4RqkT=
0Y1t8kgJIE6zkYahSXRI5iba2Bye89p67jd7-a0rRwVTlnUMKSR6RuOBl7hB3kTHSaH4oAD1O=
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TmC3JOzT-_mESNrvPUEN4ATrMhHKMgk/5" 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/v1731515759/ema=
ils/Social_icons_Instagram_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"30"></a></td> <td class=3D"em_w1" =
style=3D"width: 15px;" width=3D"30">&nbsp;</td> <td align=3D"center" =
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