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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: Thu, 22 Jan 2026 15:59:08 -0000
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Combine your pensions today into one easy-to-manage online plan. 
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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 
the app or online.
3. A simple way to manage 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.


Combine your pensions 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.




Have a question?

Get in touch with our friendly UK team.







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class=3D"em_side15"><img src=3D"images/spacer.gif" width=3D"1" =
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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/LFf6psOK9glDKI98TaTBUcozrpPJNl1t=
IC-DFm6ZobVbmzhpkVU3jAV8cD71tamBOp0PcIJfjQpO_rcntofLFKNGmbtUDCxq0T6FHFU6A=
GfTQH_RU5ScxPco6pYUCFVKhVqPL8_Il21J96nBwx4B8jWCpV9VCfrtNYcA8NI-JvRcVy-4p4=
XWw_khFjNRtBFebJawwMXiNulWwzBxQNid-c0qsXrtkH0JAaJebs3pL5H3UcQuziJyFbIzCD_=
L_48D4E-CsnSlpBmrp6yj5A3VX64J3ViIBDrqAJcX1tb0goX5LgrImnuNb9nq-72A3uDR4HJD=
OFzJV1IISSGunTT6S8F1z_RTHfGDtFvpjJtldMie7fQg5BmAYg7Hzxy_Fj45Nyh0CIsA2wHLI=
Y1s1B2htUYITialBkDOM9znIkUItJui8CSrlnfQj-S4ogKM6S_OnQ/Y5-STrdrp2_pRori6zh=
gALWAzgKP1uPS/17" 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/6H-7raJsFRx4js0-S1VRmpG_IefTUzTz=
xMkLjEYRp7z-A_V1aStCVq5jfKDx8AjabMbFHH_Eq3HEwuxP6pF7PuRO2vtSCeMj5sSXDl7vN=
qFymRmucNkS61fhCHm98GtzdWn8LZR9r6BX6PijNDJBt8DY-NrcLad8fdxWbwD8diXHNLYcla=
x7-Dh_pWLD6m9aPaE7FjOZ8pjKPfauoSJ9NgWddkywe6Pxy-8kbHZrrfubrIUVGW_Gp2q-BkO=
lL7GVi4hYWG8ZFxCT2LXc75ozlHQ7CejBdtoobiWR4U7evXpLpM_rkx875YUa28LnBlBQSrlg=
trrRfrVojSJR1Z6WB6XMy6eWQDwtFf9Ee3UiuBEY4mTHM9TLLXP34rVDFiBgu8ZcmlPhz28v-=
m8I0exl9sQviPluapL1y1jFj8yZh1miZV23tcwn9aZD51hRYsulwA/2bmyb8v9N4SSAH6nAq8=
jMosIyawMEvfF/17" 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/RTbFmOF_56ckm55Ufw0ZQIRGemNe8-q9=
8xUHA0O2bljhBGtj3EUfM_QoECHR-t4fdF5G6in4u2SZ9clc8XCt929Bw9cTsZOP9u0HXKLGh=
iM54mhw5b1MBs87dh4QT7nW9LSceqnjn9-bKShN8zloCCCIL8VDRWvufTE5acQL74rKXyZXRd=
7_ox4xkh61rwl4hN1x-VeUY4tAUwoKo7-ZJbrU7qtLYF0TmSSIaUrLJRl6LroisyGP1WoiyJX=
44UCglG7LNoYgArsVV9S9yn_3m6Ax6ZnkP25IDfU5dPxWsyLgotLuupxgC--yDax6bJSi71Vp=
00kgFmCKvqv2q7iSylrntmHwmYCIFpZmOWyAe4w7yE9JjLdMdKCvVmrGtYsYiOX91Ze4iQIAz=
N1Dd-x96G8fV6I9biwmdXCNlcCfF7nsPDrQWT8sOUWkETJq4KKO50B8/xnpfoBQaMIbboynIB=
PfWx8rUeiG_5dNy/17" target=3D"_blank" style=3D"box-sizing: =
border-box;"><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 the 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;">A simple way =
to manage 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></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/HBKbCfbqzuvTb0aW_tVVncEOqfr5q0YK=
qVgK94QFD9_t7e-5DrE2RkTeEYyl-0zGAw40R2TZItFw5Kif3YkHb8i1qzQ7PT0EDdAJH4e5j=
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oho0IuzaCXGasl65hxHJTuz55lLB7T8Aj_lG4SgOhcpCVAPYpW2Lsxwg_5LSRvqi25P1icJr7=
ghP8vC_BhHVkfKuB_vRWCs03gB9nPrbm3BqZzKNgEOhev65wLAVWozP/rAUxpAUCPpMKpgZwW=
wkTJbN0y7yhF0HY/17" 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" =
href=3D"https://links.pensionbee.com/s/c/4QSarT44OPGWvrLAXMKTr_TTgbgrvz5X=
37C3eUYTmTpjEwpjqNcv_foPAbfhPf6Gdd7V1QkNfqYB5MD9iHjXsEusL3eQSCEoFVo50AK2X=
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pjP0LNaQyQfOIYt/17" =
style=3D"height:44px;width:269px;v-text-anchor:middle;" arcsize=3D"28%" =
fillcolor=3D"#f9c000"> <v:stroke dashstyle=3D"Solid" weight=3D"0px" =
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;">Combine your pensions =
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></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: =
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href=3D"https://links.pensionbee.com/s/c/A59Vj6AS4LwQh9LMvnWM6gLPgBE-s5aT=
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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/_UiKMAHHl4R75a41bEl7TsVsWi7h5Q9C=
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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/0g2pLjverhMQcGsXhOjtQupT33ERfA_p=
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max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
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