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File: D:/hMailServer/Data/sarahharvey.com/bob/1C/{1CF344E1-A418-46E8-8075-A97B7727E010}.eml
Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: Want to try before you buy?
Date: Mon, 3 Nov 2025 18:00:18 -0000
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  <http://sp.pensionbee.com/q/rgcaXZXyFnPhXThYE0DoLA~~/AABRIhA~/ozYKHCfD2-f0Jk29h9fh9cz78nSf0q9ToQpi89vJ7rVujq-DdoPME_adrYSNa-rp1fyOuIggRJzgUpmN1PmlbQ~~>
No need to transfer a pension - complete your sign up. 
<https://links.pensionbee.com/s/eo/51xU2FJFmwtXT3lMMkWIUd06NXQcUP25x0JYIzsRIjmlzcllhIEWKJfcT4S2nTLOD-bJ_9kaQSKdLYQid8UJFcooHhHrMD2hXTFdGVlq-KWeQyyL2na6MDMvYx3d0mgZvirc42Q_pClYn104FMIzWRJd8gFqdtKSL_jjGnQZc1SUKfPy72b0sm5ZK-MOUm9Q4VzK0r28D5d1p6rZmYoYq-8g1ejYdFDrjA/q98H5XJ4bOAWOI4zHo62st2UNHnyWM9M/14>







View in browser 
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Log in






Hi Robert,



Fancy trying us out? You can complete your sign up without transferring a 
pension over.



If you’re not sure whether PensionBee is the right fit for you, here’s a 
reminder of some of the benefits:

*	manage your pension online or from the app, no need for paperwork;
*	check your balance in seconds;
*	combine and contribute with ease from the palm of your hand;
*	use our ‘Retirement Planner’ to plan for your financial future; and
*	speak to your UK-based account manager (your ‘BeeKeeper’), who’s on hand 
every step of the way via phone, email or live chat.

You won’t know until you try!


Try us out






This month on The Pension Confident Podcast, we ask the £1 million 
question - who wants to be a pension millionaire? Our expert guests discuss 
the monthly contributions needed, the role that compound interest can play 
plus how much retirement income £1 million can generate. Read the 
transcript, listen on all major podcast platforms 
<https://links.pensionbee.com/s/c/yPJIbv10YYtlj1VN5ee4mSFYDutpQKJKrKG1oGFJolf0KbZw_bNYTG-LcWCd_YG-w0v4qeo-XLcxC--odEgLRL5I2mGfq_kusraNkuKzHuqIfuNQjKfdq-ZLYro8C7y6AjAlk9PxgM7wRsuFp72tiQDejCk5lvc9NauyPwudf7sILylZAMoaB02DpOdtBzQ60xNWAf433NtXigUog--NL312nCB2bmqnf-72rsn188f9xIh9VSHIS_u5IpaR_hicnkkgzO4ttz9FHGTV6LiMpeU5lGEAbVphedOI_eRB0SSF-dUcUyUCKXSiUewTdgwtgV7VbAeg_GPMhCxlz4f8oB-uX0Md31_nspjEy8Chk0rZxa768-nzX42T2ZIJppb7rsxN293_mrok/ssK7u5H8JmWfrH9S_epzmLHhvIQV9AKm/14> 
or from the PensionBee app.




 <https://links.pensionbee.com/s/c/YXlV5ydplSWgQVJpVm8eRdoScbszLmD3tzXiNGfOXo5BBMDlISOOa8h05Yjm9vrnW2LeDWiErrWN1Sd7UU2FOTrmGuMbAu4G2mEE3gRdbVF4Jun2lGWrupwentrmdHG-Xueq-aOyfY32qkEYY3jGtUfmd7EO81joKq5KlIjTPwQykAb5w8bBQwLHAh5KP7TF2iKAiKtKlQhSteSpTZkBoRo4Qj6imoajXtNYq_n3YqpCEQnXEuQBOn6ZICDETsDAEdERIQB82G2QWx5JBRSYqxrZgDVT44c3dwxqARg_-zNpSMmDza11ZSTEANAcw2Z9tkQH8106hRjFrbC110nOuy0rXNzGfgK-Zw0ZPaRWJAY5Cbh-7L7P5REtWJ99-xHvo_bO09itWT2T/cmmZoCXsgE0xXX6flEhCs2aeNdW0v9Bm/14> 
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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top!important;background-repeat:no-repeat!important}.em_font22{font-size:=
22px!important;line-height:26px!important}.em_w87 =
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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/s/vb/vHwmbx_CsxWnr-MueqHMY1RebiDveQK=
gF5ZCZ9Far7P9wRu6k5NNcGx0uHLgBffNo9_Mpgzj_w93UjuP3I9JenQKlx-2vAycz60QcYpn=
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S8vQjCOIqc3D3Juzlkn/14">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/s/c/9oq-RCmB79w0ztoHtu6enXVNpcetCz3M=
3PP7g6iPWYAHaSmHSdfMCRUCg17bX13d_RlOFmmLD35I7gptROOEl8NazO2_0SoY_gWAS35wI=
qfOXKv-TMRshWbDty7zw199EGnsUvzYen2IwEnpcB_i8ZRtyT_KWShRE6d3oyok9tHUtq6II9=
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ujZRRSN9AC9dma0dHn-S65v35292i3ZTFS5pkXKr_XGvRZG58OM3bREHWEnS-9-Mvs6A3GBkj=
aY9qgJkT5msh27Po8rXqXtLt0Lx8kmMldOgPu1VyasGSA/Penaz_K00MYmx6ZXhL1LKg9IoaW=
WRWJ_/14" 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/s/c/Myu7D7jU0um5XYeHZeCKmmPlydJDtcq-=
5AVQPw396y1KNFCxpb766TEY1s-kExe1ba-iF9pR5eLvWnXabhey8XZ1qJLPZ3oE30y9ChFqz=
RkaYsChL2koRtA82m2XJh-z-_89Xlaoe4a5l1r1cXVToFhCyXO8TadRNkMIaFvq90nGyqFspz=
6Yd_zM9R-yYdkylR-bvIPMMt0KUbDYigF3R0TDTRkgM1RhaYl-tIeED5JqcbYBZBm1ad0GEXH=
ck-uVinx4CKh5vVnb0zdbB1xir4piFgPz3c_LKDAYKb6bswEKFlu0AUhFifRks7sDOr9skb05=
Hm55Thn0TYkfZDeNzF05rWpYNiKVmA_cIJdLbcAyVygBLtLySDCyxXM0YSmTRl9EoxVeob2cN=
UmryhkaoTSNp1PXMFTrE64hkW6xesbLMPW62L-qTizvSA/WCdTQFmPc8K5ZdrDAr-Tnzx80i4=
ScKSu/14" 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;"><div style=3D"box-sizing: border-box; =
max-width: 600px;"><a =
href=3D"https://links.pensionbee.com/s/c/z6gdrR6LXsswXwq9juQIwv2fFmtCImTE=
8wOB0pQcucf6lD8kqs86LjCZsz3xyWcC7y2kPQoaT0H4BhNaHP6WNK1NcDWaBr5mMEt5n3ic5=
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XW9K1dSN9xcjVySRFOT-mfXKdHGO2VgugI7nPsGsmogUly7/HS-IxIXX5dwcuwSRpgYUHEirG=
BXkeDfA/14" target=3D"_blank" style=3D"box-sizing: border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1747835682/ema=
ils/2025/Try%20Us%20Out%2025/Try_Us_Out_-_everyone_1_2.png" =
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;" 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 dir=3D"ltr" 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 =
dir=3D"ltr" 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;">Fancy trying us =
out? You can complete your sign up <strong style=3D"box-sizing: =
border-box;">without transferring a pension over</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;">If you=E2=80=99re =
not sure whether PensionBee is the right fit for you, here=E2=80=99s a =
reminder of some of the benefits:</span></p><ul style=3D"box-sizing: =
border-box; line-height: 1.5; mso-line-height-alt: 24px; font-size: =
16px;"><li style=3D"box-sizing: border-box;"><span style=3D"box-sizing: =
border-box; word-break: break-word; background-color: =
transparent;">manage your pension online or from the app, no need for =
paperwork;</span></li><li style=3D"box-sizing: border-box;"><span =
style=3D"box-sizing: border-box; word-break: break-word; =
background-color: transparent;">check your balance in =
seconds;</span></li><li style=3D"box-sizing: border-box;"><span =
style=3D"box-sizing: border-box; word-break: break-word; =
background-color: transparent;">combine and contribute with ease from =
the palm of your hand;</span></li><li style=3D"box-sizing: border-box;"> =
<span style=3D"box-sizing: border-box; word-break: break-word; =
background-color: transparent;">use our =E2=80=98Retirement =
Planner=E2=80=99 to plan for your financial future; and</span></li><li =
style=3D"box-sizing: border-box;"><span style=3D"box-sizing: border-box; =
word-break: break-word; background-color: transparent;">speak to your =
UK-based account manager (your =E2=80=98BeeKeeper=E2=80=99), =
who=E2=80=99s on hand every step of the way via phone, email or live =
chat.</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;">You won=E2=80=99t know until you =
try!</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;"><a =
href=3D"https://links.pensionbee.com/s/c/SglhaaleyMGMSRbINuRaA4i3_6MGM6pO=
g7weHPH0e3ZHeLKCR86feRkBkRO1LmbomaCvtP8SPFbNVw9FS3skpONNJqsNUABok8CecrSDY=
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R784T58/14" 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" =
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;">Try us =
out</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 =
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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;" =
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;"><div style=3D"box-sizing: border-box; =
max-width: 100px;"><a =
href=3D"https://links.pensionbee.com/s/c/ZWmC40s5Hbuh6jfFXtKO5ihbgZR07rc2=
xsWQRHeWIekTUN1tnoMPThk3oR9594Fv1w6pl2ngD-iSOSyXN9vYXhqLLuEqEKwpEVnUrngqZ=
vn-uJ6RVoolnN2hnzpcrOJ7UKUpApHsGX6CxdBGpLgqofFmx6TWpivQmlGNPIqPr3RKpw4Ztv=
CjBQZQtAxNWY-su8p8spLZcUNJkDsaVmIolWtJ6pvng5x5iWYjvX1gC26JkJdlpnV8sPSqrnU=
oAhW0Pkn2d_xlDn7BWoSMMWnYWiBjR9mxw3-k2WezgSHjU0NSlxwYhn7MvkGmr0InwGv-GEmy=
0t3N43v0t3ZyrlMswbVY0o2h6ZA8KwMuyBxoExhf4g95qVDOHm0qHNTKASxo6hHTOTfbM_wcv=
9gzI31mhyoQMzGgvqrO0Js3I6M9SOVXxJQpARahmN_hXNELnq7y2IJItZo/Hh01W5FeC781zv=
CGHqQkrE7LQ70FFgeF/14" 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: 20px;"><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: #3a342c; =
line-height: 1.2;"><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; mso-line-height-alt: 16.8px;"> This month on <strong =
style=3D"box-sizing: border-box;">The Pension Confident =
Podcast</strong>, we ask the =C2=A31 million question - who wants to be =
a pension millionaire? Our expert guests discuss the monthly =
contributions needed, the role that compound interest can play plus how =
much retirement income =C2=A31 million can generate. <a =
href=3D"https://links.pensionbee.com/s/c/js9ACEaRYQ4iTK5L3395DhQ7B5IgMUYU=
_yyBv_DtSIxiRpJB26H-HvOKMqOuNa7NVhOJQxHsaidGhg1VftrM0XilupRqrwllDpK79o1KI=
KHIzs-HemEHad1N9zBdRyMkSHwEi7GCnhXCA3XNXQxVg4Ec1U7KR6IjwxYaITdfUGlIDRuCgW=
ruqLbAkV0oC9813wfQN0L942jgp8ZHQEyav1ysZdwG5vQnOhWqM__UGRe0w8Vj66AC-nbls8R=
oefPB0JknzugKDEg7S5doGSaTwW_iq0dFT2iuMJT7aOjU0PBeo6B_Bj-QCPOMIg2Iu8yNpLk7=
rzY_DzU7PvW4ZU3c3yQZiXDGhMiEKF6bx4lrpS2mkiPdNk5Tpgo_xIL6TpPVJgrrjMVDoPAaN=
LlIXIPlCze5G41gmOUbmwN0kHzTo4rYHzNMpQpIjIg_0XKZ9A7Ez0bjkmQAm-anGUKzpn24fg=
yGK9eXvuIlGG04h0zfLZ7ef3ulcuvQ6T9_8f3EOpBYRw/eCZ8l-R5ubv-USMTi_0d3YDr-Tfg=
R9dO/14" style=3D"box-sizing: border-box; text-decoration: underline; =
color: #007db7;">Read the transcript</a>, <a =
href=3D"https://links.pensionbee.com/s/c/yPJIbv10YYtlj1VN5ee4mSFYDutpQKJK=
rKG1oGFJolf0KbZw_bNYTG-LcWCd_YG-w0v4qeo-XLcxC--odEgLRL5I2mGfq_kusraNkuKzH=
uqIfuNQjKfdq-ZLYro8C7y6AjAlk9PxgM7wRsuFp72tiQDejCk5lvc9NauyPwudf7sILylZAM=
oaB02DpOdtBzQ60xNWAf433NtXigUog--NL312nCB2bmqnf-72rsn188f9xIh9VSHIS_u5Ipa=
R_hicnkkgzO4ttz9FHGTV6LiMpeU5lGEAbVphedOI_eRB0SSF-dUcUyUCKXSiUewTdgwtgV7V=
bAeg_GPMhCxlz4f8oB-uX0Md31_nspjEy8Chk0rZxa768-nzX42T2ZIJppb7rsxN293_mrok/=
ssK7u5H8JmWfrH9S_epzmLHhvIQV9AKm/14" style=3D"box-sizing: border-box; =
text-decoration: underline; color: #007db7;">listen on all major podcast =
platforms</a> or <a =
href=3D"https://links.pensionbee.com/s/c/VWhXahr1NDB_1fqPy8H8YWsrZg1s-R8B=
ZzG24nz44hGtto_GcDXWzS1UldLUUEzIwQKSGkWnC9t_XCeHlo0bsi4R_-ifYmlphcUtfaB9h=
gxia8WcdmJqZsuX7l3DaNikgKCDEOzkdKzEjJ0VdzQPsKM7bHjsUKixFhA8lhg0p2xSHnm9ph=
O4ooqBlq5yIhsEVaIwIruzZenFTtc0yTfGoDeWkbz6k-22yAsvxoO35XdZHYsc8jsn-RPEJpa=
jj2j-kyBkBf55NcvRxV6vsWQFIZTMgfyGhb_umpInHcSdYhT7U16T7r8O61aY7dA0yf9VIL85=
XszIn2br1uquykIZ6FwPd2nVKMa_K6XXyLUYhlp2oYOGyraaUPtqNnbskCZmCDwv9UpSnihPh=
3V0DzjN2gJAG86D8566PO1qlkk0Hc5KNYdikzt1Ky-JfsOfRViUf2x942g/kZk1vXXBTmedsm=
9ecsHQSHXIZQgvk_m7/14" style=3D"box-sizing: border-box; text-decoration: =
underline; color: #007db7;">from the PensionBee app</a>. =
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></t=
body></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;" 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;"> <a =
href=3D"https://links.pensionbee.com/s/c/YXlV5ydplSWgQVJpVm8eRdoScbszLmD3=
tzXiNGfOXo5BBMDlISOOa8h05Yjm9vrnW2LeDWiErrWN1Sd7UU2FOTrmGuMbAu4G2mEE3gRdb=
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ETsDAEdERIQB82G2QWx5JBRSYqxrZgDVT44c3dwxqARg_-zNpSMmDza11ZSTEANAcw2Z9tkQH=
8106hRjFrbC110nOuy0rXNzGfgK-Zw0ZPaRWJAY5Cbh-7L7P5REtWJ99-xHvo_bO09itWT2T/=
cmmZoCXsgE0xXX6flEhCs2aeNdW0v9Bm/14" 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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weight=3D"0px" 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 =
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'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;">Listen =
now</strong></span></span> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></a></div></td></tr><=
/table><table class=3D"text_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; 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-3" 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" =
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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: =
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