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Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: Why draw down with PensionBee.
Date: Mon, 19 May 2025 14:00:56 +0100
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  <http://sp.pensionbee.com/q/SeLUTPXXV6qJftjUp9FIow~~/AABRIhA~/xbE9jtVakWCfK9O6zeGpXx1EaTwc6zxiArjFQgxwMybXBBBJ4UokjbPADkD7mO0k3kw5ovOyVVItm7SyzP0pDw~~>
Take control of your retirement savings today. 
<https://links.pensionbee.com/s/eo/7-aWbIxlxd7FLo21qJ5j_Li3N7HyGDtz0EZAXh-uC3SNQeICbb5qFnAgwhZOfkOSrbynhmpicRhe3G7Tau7bJV-VZcg2FWEjSLLIMVHg-arxLNtYfseSDBDym17F-89cM4LFnxiJLwdBEjnNpVOlE_LYOlZO8SuYW87UwexgoA_S48IQXpiMpen37DAGZFHeTEkrLQ4lEMTjaJvwb7K2U_93wMcgQzLQsQ/7ymBZsAF_0j_jYoFxtCgJlqaQVocB_Xu/9>







View in browser 
<https://links.pensionbee.com/s/vb/NYdxqVDXEmKSkkoYYz6nFxdx1CZ7YgqYiXGTdWCMHzqQXZyKaqSNcgnQkee4juLkRy2yOD3NzFvdsiG23Y-4AhwarR2UTkoxYc-FS8RTlhlD9V60b4B1bML-hVCeA-QT1PfAIis7t_34w9YXZ2ZCfJX4AAGbnBeFS3k/eJvb7NwYdFzOq0hQglG6mM2V34ZIa_vb/9>



 <https://links.pensionbee.com/s/c/UnMw0qzhv9NTwm88IsLX_o-c9_mgH-UCRSd54tcW936hvdEuEUbKYYHz2GDj8Hau3gXRUASVxkBuvpTRsXD7UoaJh2xN8FG9b_dYVKfIgyH_CUs4nf8SlPP7BXa3x4Dm79hahaMuDaTvn64Jj6EQ9Dadk9X8Sf-2u_umV76-327md8qkbJTZE3R6QdNTF7BoeF6rQQ8Jekg83b1ZmusIyXAO_FfdHEKMqs1UhlzqUx8y-aJ1b1n6rhKQvhOV5XSTEzgPKzv8eygMCGkpBy77pSgSZqk3W-yQvPK1G0oY2yrpWAC7tc8KEfKkjjm7a9IFFtO_i4dqVA/SLI9DFlgKy40y43eb62Y5iHjwoHrMdY9/9>
Log in 
<https://links.pensionbee.com/s/c/R4X1tUtDbCpziQudi7om5y9C71UGGMl3-P2xm-uTwX2EuXI40LS8_Vc7TzAmcuF4OF69rXxdgGYekjCrY_wXfXht2UifsJ_FBXXVgkcv606538X9x_tchxkyUQ1Jv_HyBT2_eP5jYxfSzJcAenKuU-yMYRgmDpAqD_-3Rjyyn7jM9XV09OemYVweQaU164mWiCFv9FzCGkLVslhYhhId2batRFRnkeP-bfW1S5uEBUdHPuAInXEdQKjLND23oTIGZudpKNug6Mc7RVNJHzR-KMJhiDdet4cX58YcnFE2Pkw1VEw3u3pV_zwlNqnaR3qmM_WxcD5FjA/JQt23UnLA5lNdCPd08Uxr81AlF6R__IN/9>

 <https://links.pensionbee.com/s/c/8DB55KVqh0GqYBszuGHFYbfffJp3L6wozX5quWF9Mn_4Ce5RvjQYXfChqPLK6ELu5uBJbn5Bder-LpAqjHJPc4LvxiJjnDCyMfomdnTqvfdjXaZ7g6Lyj3ZkOG_RPPGsoWLSSQOLqYIfxa1RpOtxvnbz_yETg_485cz6b8nnZggaEpXNG1dZhVzuHBC6M4SMyAejDrmcFkO37SLL0JbcNFpiBdCoRZXuqECRsSIfvsTyEMWZYhMlMNfX8qjOM_ifPom9hwKDQOnPQJY9qSqqyT3bW_c8ttqUHTaRtTAn5vOAcZhd328rsjCLi2Edj_JYKAfpN_8Gaw/0Lz6leTkLZBasTZ91ja4BTYJd29M7KQq/9>


Hi Robert,




You're just a few steps away from combining your old pensions together into 
one easy-to-manage online plan. This could make managing and accessing your 
retirement savings a whole lot easier. So, why PensionBee? Here’s four 
reasons to complete your sign up today:



1. Straightforward process for accessing your pension - you can withdraw 
with ease from our website or via our award-winning app.



2. UK-based support - your personal account manager, known as your 
BeeKeeper, is on hand to help whenever you need them.



3. Free withdrawals - we won’t charge you to access your pension*. You can 
currently access your pension from age 55 (rising to 57 from 2028).



4. Flexible withdrawals - you can take up to 25% of your pension tax-free, 
as a lump sum or in portions. The remaining 75% is subject to Income Tax.




Hear from one of our customers, Moira 
<https://links.pensionbee.com/s/c/mRIdjPRuC71zsHTxxpQw1dmHBCiUy72Tc649iREzy7HrYbCJfqxvtLrxe5DBkt2nVX97ENMYrg5lKFGDAmwWT_B6tgDzMxuVPKIVb8ho9KiETFZAZv3E8DbBqJLCB3Q5-XCs68RZ_MUbVwDrCebwAEytmAR_GVE1ePKU9uY0sJQ3BPmokV_NxuSx2tuzP1TIKSSeKHwd3NJ4H23n0QluFSoQpQZWxSW7xLXYFiTXw54CeU9vj6NU-f1Px1LiK2duEAB1rscqfIWXW7ql0Cg1cFd4FKfPGkhZINVreFJV3IvkcGghxAURWGq5AtyLFo7Gzl0_-SumRA/WdNpwVZSpBifwpN8AqmuQgbE9XnNcTTb/9> 
, about how her PensionBee plan helps her feel in control of her retirement.




 <https://links.pensionbee.com/s/c/aAd0Bq2hQaumBNXhxMPyj7eDuOiAJW0bTpyvBvsTBKweqExDymuBBtLCYar1--DytvmQHfEeeSxwxHyMFW9CGWrIJtxo8kug8eRT1T_vKDErsE8Z4Qxu84SgGFg8dC66tKsROtO65RtwQ6_e3nGxW9NHQ56n2tkV6jos4n0pnlpB5vQ9uYVDYfiUVHDxOLc_smPpYkhPg1rZ3h5wk8UFgpQyEKOSfNA59K0B4T4ERbiBaQisVlH4fpD7HeJ1ZI5SFQD6it8S0U4bWjh6sBwfGwMOpY62tjoNaesk_ytNGBUlL51z0CvnJKjA_j22xGA-0Opgbg5zzg/895aWKpUa6-BEucv2VEh1FcljRe3_g0m/9>



 <https://links.pensionbee.com/s/c/mjWrbUP4iKPm0S0zN1Ieto24GGe1x2Mw7wYn2BmUR0Q00XUoXXVmyVWjJc3P_aQED8hNmfUzWgishW3qiGEb9Auo5lqxZqHroVXVy_NVI0LjXrrTkO17R34Cz3KFTjTyvCn6kaqH2sKnBmoERwEyR0XiUbD8TA3D_SMHf5xytondnHHxMuJDH-B9WyWR6GwBKfj4AMDHYjF2umut0s5CS78JwNoqQZD_Vvay8Cdeohk3CvhaaJ3nyAxUoRw7ScGuDUoRNMUREr5bMwA4WyawnTzWtycrWPfPcwBBWjWhKAjWeNjwzAnCy1KDUkMCrUrmp1DxPLyA1g/CKhre0pqZn2OvCFH4qAlDCSnpSn5bLRJ/9> 
Complete your sign up today




*If your pot has been with PensionBee for under a year and you choose to 
withdraw the full amount, a £150 withdrawal fee applies. This fee also 
applies if your account balance is lower than £150 at the time of 
withdrawal.



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.







  <https://res.cloudinary.com/pensionbee/image/upload/v1731507652/emails/Call_us.png>
020 3457 8444
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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/NYdxqVDXEmKSkkoYYz6nFxdx1CZ7Ygq=
YiXGTdWCMHzqQXZyKaqSNcgnQkee4juLkRy2yOD3NzFvdsiG23Y-4AhwarR2UTkoxYc-FS8RT=
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0hQglG6mM2V34ZIa_vb/9">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:#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/UnMw0qzhv9NTwm88IsLX_o-c9_mgH-UC=
RSd54tcW936hvdEuEUbKYYHz2GDj8Hau3gXRUASVxkBuvpTRsXD7UoaJh2xN8FG9b_dYVKfIg=
yH_CUs4nf8SlPP7BXa3x4Dm79hahaMuDaTvn64Jj6EQ9Dadk9X8Sf-2u_umV76-327md8qkbJ=
TZE3R6QdNTF7BoeF6rQQ8Jekg83b1ZmusIyXAO_FfdHEKMqs1UhlzqUx8y-aJ1b1n6rhKQvhO=
V5XSTEzgPKzv8eygMCGkpBy77pSgSZqk3W-yQvPK1G0oY2yrpWAC7tc8KEfKkjjm7a9IFFtO_=
i4dqVA/SLI9DFlgKy40y43eb62Y5iHjwoHrMdY9/9" =
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/R4X1tUtDbCpziQudi7om5y9C71UGGMl3=
-P2xm-uTwX2EuXI40LS8_Vc7TzAmcuF4OF69rXxdgGYekjCrY_wXfXht2UifsJ_FBXXVgkcv6=
06538X9x_tchxkyUQ1Jv_HyBT2_eP5jYxfSzJcAenKuU-yMYRgmDpAqD_-3Rjyyn7jM9XV09O=
emYVweQaU164mWiCFv9FzCGkLVslhYhhId2batRFRnkeP-bfW1S5uEBUdHPuAInXEdQKjLND2=
3oTIGZudpKNug6Mc7RVNJHzR-KMJhiDdet4cX58YcnFE2Pkw1VEw3u3pV_zwlNqnaR3qmM_Wx=
cD5FjA/JQt23UnLA5lNdCPd08Uxr81AlF6R__IN/9" =
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/8DB55KVqh0GqYBszuGHFYbfffJp3L6wo=
zX5quWF9Mn_4Ce5RvjQYXfChqPLK6ELu5uBJbn5Bder-LpAqjHJPc4LvxiJjnDCyMfomdnTqv=
fdjXaZ7g6Lyj3ZkOG_RPPGsoWLSSQOLqYIfxa1RpOtxvnbz_yETg_485cz6b8nnZggaEpXNG1=
dZhVzuHBC6M4SMyAejDrmcFkO37SLL0JbcNFpiBdCoRZXuqECRsSIfvsTyEMWZYhMlMNfX8qj=
OM_ifPom9hwKDQOnPQJY9qSqqyT3bW_c8ttqUHTaRtTAn5vOAcZhd328rsjCLi2Edj_JYKAfp=
N_8Gaw/0Lz6leTkLZBasTZ91ja4BTYJd29M7KQq/9" target=3D"_blank" =
style=3D"box-sizing: border-box; outline: none;" tabindex=3D"-1"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1746112254/ema=
ils/2025/Over%2050s%20Flow/Why_draw_down_with_PensionBee_.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><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,<br style=3D"box-sizing: =
border-box;"></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;">You're just a few steps away from combining your old pensions =
together into one easy-to-manage online plan. This could make managing =
and accessing your retirement savings a whole lot easier. So, why =
PensionBee? Here=E2=80=99s four reasons to complete your sign up =
today:</span></p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
18px;">&nbsp;</p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; font-size: 16px; mso-line-height-alt: 24px;"><span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;"><strong style=3D"box-sizing: border-box;">1. Straightforward =
process for accessing your pension </strong>- you can withdraw with ease =
from our website or via our award-winning app.&nbsp;<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; font-size: 16px; mso-line-height-alt: 24px;"> <span =
style=3D"box-sizing: border-box; word-break: break-word; font-size: =
16px;"><strong style=3D"box-sizing: border-box;">2. UK-based support =
</strong>- your personal account manager, known as your BeeKeeper, is on =
hand to help whenever you need them.<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; =
font-size: 16px; mso-line-height-alt: 24px;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px;"><strong =
style=3D"box-sizing: border-box;">3. Free withdrawals </strong>-<strong =
style=3D"box-sizing: border-box;"> </strong>we won=E2=80=99t charge you =
to access your pension*. You can currently access your pension from age =
55 (rising to 57 from 2028).<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; font-size: 16px; =
mso-line-height-alt: 24px;"> <span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;"><strong style=3D"box-sizing: =
border-box;">4. Flexible withdrawals</strong> - you can take up to 25% =
of your pension tax-free, as a lump sum or in portions. The remaining =
75% is subject to Income Tax.<br style=3D"box-sizing: =
border-box;"></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;"><a =
href=3D"https://links.pensionbee.com/s/c/mRIdjPRuC71zsHTxxpQw1dmHBCiUy72T=
c649iREzy7HrYbCJfqxvtLrxe5DBkt2nVX97ENMYrg5lKFGDAmwWT_B6tgDzMxuVPKIVb8ho9=
KiETFZAZv3E8DbBqJLCB3Q5-XCs68RZ_MUbVwDrCebwAEytmAR_GVE1ePKU9uY0sJQ3BPmokV=
_NxuSx2tuzP1TIKSSeKHwd3NJ4H23n0QluFSoQpQZWxSW7xLXYFiTXw54CeU9vj6NU-f1Px1L=
iK2duEAB1rscqfIWXW7ql0Cg1cFd4FKfPGkhZINVreFJV3IvkcGghxAURWGq5AtyLFo7Gzl0_=
-SumRA/WdNpwVZSpBifwpN8AqmuQgbE9XnNcTTb/9" style=3D"box-sizing: =
border-box; text-decoration: underline; color: #007db7;">Hear from one =
of our customers, Moira</a>, about how her PensionBee plan helps her =
feel in control of her =
retirement.&nbsp;</span></p></div></div></td></tr></table></td></tr></tbo=
dy></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; 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"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; 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/aAd0Bq2hQaumBNXhxMPyj7eDuOiAJW0b=
TpyvBvsTBKweqExDymuBBtLCYar1--DytvmQHfEeeSxwxHyMFW9CGWrIJtxo8kug8eRT1T_vK=
DErsE8Z4Qxu84SgGFg8dC66tKsROtO65RtwQ6_e3nGxW9NHQ56n2tkV6jos4n0pnlpB5vQ9uY=
VDYfiUVHDxOLc_smPpYkhPg1rZ3h5wk8UFgpQyEKOSfNA59K0B4T4ERbiBaQisVlH4fpD7HeJ=
1ZI5SFQD6it8S0U4bWjh6sBwfGwMOpY62tjoNaesk_ytNGBUlL51z0CvnJKjA_j22xGA-0Opg=
bg5zzg/895aWKpUa6-BEucv2VEh1FcljRe3_g0m/9" target=3D"_blank" =
style=3D"box-sizing: border-box; outline: none;" tabindex=3D"-1"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1746182653/ema=
ils/2025/Over%2050s%20Flow/image.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></td></tr></tbody></tab=
le></td></tr></tbody></table><table class=3D"row row-3" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"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/mjWrbUP4iKPm0S0zN1Ieto24GGe1x2Mw=
7wYn2BmUR0Q00XUoXXVmyVWjJc3P_aQED8hNmfUzWgishW3qiGEb9Auo5lqxZqHroVXVy_NVI=
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7ScGuDUoRNMUREr5bMwA4WyawnTzWtycrWPfPcwBBWjWhKAjWeNjwzAnCy1KDUkMCrUrmp1Dx=
PLyA1g/CKhre0pqZn2OvCFH4qAlDCSnpSn5bLRJ/9" 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/kyWaDe8t1zQRbA3sxTxMEZYXT5f6vG9_=
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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; 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: 5px; 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;">Complete your sign up =
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-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; 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: 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;">*If =
your pot has been with PensionBee for under a year and you choose to =
withdraw the full amount, a =C2=A3150 withdrawal fee applies. This fee =
also applies if your account balance is lower than =C2=A3150 at the time =
of withdrawal.</em></p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 21px;">&nbsp;</p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 14px; =
text-align: center; mso-line-height-alt: 21px;"><em style=3D"box-sizing: =
border-box;">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></td></tr></tbody></table><=
/td></tr></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; 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"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;"> <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-6" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"html_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; text-align: =
center;" align=3D"center"><table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" class=3D"em_p3" =
style=3D"padding: 15px 70px;" valign=3D"top"> <table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td valign=3D"top"> <table align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
290px;" width=3D"290"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 130px;" width=3D"130"> <tbody> <tr> =
<td align=3D"center" class=3D"em_h0" height=3D"31" style=3D"height: =
31px;" valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Call_us.png" style=3D"display: block; max-width: 30px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; text-align: center; height: auto; width: 100%;" =
width=3D"30"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top">020 3457 8444&nbsp;</td> =
</tr> <tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Monday - =
Friday: 9:30am-5pm</td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"123" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Email_us.png" style=3D"display: block; max-width: 34px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; height: auto; width: 100%; text-align: center;" =
width=3D"30"></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 9px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 12px; line-height: 22px; color: rgb(0, 0, 0); font-weight: =
750; text-align: center;" valign=3D"top"><span style=3D"color: rgb(0, 0, =
0);"><a href=3D"mailto:contact@pensionbee.com?subject=3D" =
style=3D"text-decoration: none; color: rgb(0, 0, 0);" =
title=3D"contact@pensionbee.com" =
data-linkto=3D"mailto:">contact@pensionbee.com</a></span></td> </tr> =
<tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Send us an =
email and we'll get back to you as soon as possible</td> </tr> </tbody> =
</table> </td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507653/ema=
ils/Live_chat.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"28"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 7px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/g2eZvVjgIVyORRkrMe9cFRGsmpXm5BEO=
wNLGsBmekZXeDhNP2Kg4exjXMvFA-sI_n_Cu2it6vM1C7PDmFFnE1bnAFkb2fphGH-El-wP6M=
5BXFQbQ9FGkM-POMszvq7xAAzQQXjNosxWsZLvCbAlIBqfA4Q-t23I34PXZ_aSKSq_rKDam-L=
ZbdUTKQzIR1J7ADzanyyhS1rjdfzq92EOG30kj57XgQ8FE9W8oMuZHqXdPs3FCSVG6RziNblV=
iDk-qYWvTYnNYjsWY0ltweA0Lj1Gc39wkR_0UO0M5llCeXjgEzUp_Yt5gTZ0/4fe4C-yDHjWQ=
0LhbnUZQ3mDsY24Wyl47/9" style=3D"text-decoration: none;" title=3D"Launch =
live chat" data-linkto=3D"https://"><span style=3D"color: rgb(0, 0, =
0);">Launch live chat</span></a></td> </tr> <tr> <td =
class=3D"em_defaultlink" style=3D"padding-top: 12px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 11px; line-height: 16px; color: =
rgb(0, 0, 0); font-weight: 400; letter-spacing: 0.3px; text-align: =
center;" valign=3D"top">Speak to a member of our friendly team now</td> =
</tr> </tbody> </table> </td> </tr> <tr> <td =
valign=3D"top"><br>&nbsp;</td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> <table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: 600px;" =
width=3D"600"> <tbody> <tr> <td align=3D"center" valign=3D"top"> <table =
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