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From: Tilney <tilney@updates.tilney.co.uk>
Date: Thu, 01 Feb 2018 13:01:31 +0000
Subject: Using your pension to cut your next tax bill
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How to save for retirement while paying less tax


With the deadline almost upon us, you may have recently submitted your=
 self-assessment and settled a tax bill. Remember that any pension con=
tributions you make between now and 5 April can be used to offset next=
 year=E2=80=99s tax bill =E2=80=93 so you can save for your retirement=
 while paying less tax.



Up to =C2=A3450 tax relief on a =C2=A31,000 pension contribution

Pension contributions within your annual allowance receive up to 45% t=
ax relief. Whatever you pay in gets topped up by 20% automatically. Hi=
gher and additional-rate taxpayers can then claim back another 20% or =
25% in next year=E2=80=99s tax return. This means that if you=E2=80=99=
re an additional-rate taxpayer a =C2=A31,000 contribution could end up=
 costing you just =C2=A3550.

Speak to a pensions expert ( https://updates.tilney.co.uk/378T-MR9F-54=
P2BF-CB1N6-0/c.aspx )



Pay in up to =C2=A3120,000 extra

You could potentially pay up to =C2=A3120,000 extra into your pension =
this year and still enjoy the same great tax benefits:

Using pension carry forward, you can take advantage of any unused allo=
wance from the last three tax years in the current year

Not only can this give your retirement savings a big boost, it can als=
o reduce next year=E2=80=99s tax bill significantly

But if you want to carry forward any unused allowance from 2014/15, yo=
u=E2=80=99ll need to do it before 5 April

Find out more ( https://updates.tilney.co.uk/378T-MR9F-54P2BF-CB1RC-0/=
c.aspx )



Not sure how much you can afford to contribute?

Of course, not everyone has a spare =C2=A3120,000 to pay into their pe=
nsion! And many people are unsure how much unused allowance they have =
left, or how much they could afford to pay in without affecting their =
everyday lifestyle.

Our financial planners can answer all of these questions and help you =
to make the most of your pension allowances. Book an initial telephone=
 consultation today and find out what they could do for you.

Book a consultation ( https://updates.tilney.co.uk/378T-MR9F-54P2BF-CB=
1RD-0/c.aspx )



Just need a new home for your pensions?

Through our Bestinvest brand we have a triple-award winning personal p=
ension called the Best SIPP ( https://updates.tilney.co.uk/378T-MR9F-5=
4P2BF-CB1RE-0/c.aspx ). It makes it easy to pay into your pension and =
take control of your investments. Get started today by opening an acco=
unt online or calling us on 020 7189 2400.

Open a SIPP ( https://updates.tilney.co.uk/378T-MR9F-54P2BF-CB1RF-0/c.=
aspx )



For more information on your pension allowances or to book an initial =
consultation with a financial planner, just reply to this email or cal=
l us on 020 7189 2400.



Connect with us

( https://updates.tilney.co.uk/378T-MR9F-54P2BF-CB1NB-0/c.aspx )

( https://updates.tilney.co.uk/378T-MR9F-54P2BF-CB1NC-0/c.aspx )

( https://updates.tilney.co.uk/378T-MR9F-54P2BF-CB1ND-0/c.aspx )

Important Information

The value of investments, and the income derived from them, can go dow=
n as well as up and you can get back less than you originally invested=
. This email does not constitute personal advice. If you are in doubt =
as to the suitability of an investment please contact one of our advis=
ers. Past performance is not a guide to future performance.

Prevailing tax rates and reliefs are dependent on your individual circ=
umstances and are subject to change. Please note we do not provide tax=
 advice.

SIPPs are not suitable for everyone. If you don=E2=80=99t want to inve=
st across different asset classes or don=E2=80=99t think you will make=
 use of the investment choices that SIPPs give you then a SIPP might n=
ot be right for you. Please contact us for guidance or advice if you a=
re unsure whether a SIPP is right for you.

We hope you've found this message helpful. However, if you would prefe=
r not to receive future emails from Tilney simply unsubscribe https://=
updates.tilney.co.uk/378T-MR9F-E854P2BF2B/uns.aspx

18016800

643905

Tilney is a trading name for: Tilney Investment Management Services Lt=
d (Reg. No: 2830297), Tilney Discretionary Investment Management Ltd (=
Reg. No: 02519968), Tilney Investment Management (Reg. No: 02010520), =
Tilney Asset Management Ltd (Reg. No: 03900078), Tilney Asset Manageme=
nt Services Ltd (Reg. No: 03691998), Tilney Discretionary Portfolio Ma=
nagement Ltd (Reg. No: 00793636), Thurleigh Investment Managers LLP (R=
eg. No: OC309191), Tilney Financial Planning Ltd (Reg. No: 607039), Be=
stinvest (Consultants) Ltd (Reg. No: 01550116) and HW Financial Servic=
es Ltd (Reg. No: 02030706), each of which is authorised and regulated =
by the Financial Conduct Authority and a subsidiary of Tilney Group Lt=
d (Reg. No: 08741768). All registered in England and Wales with regist=
ered office: 6 Chesterfield Gardens, Mayfair, London W1J 5BQ. Further =
details are available here ( https://www.tilney.co.uk/registered-detai=
ls ).

This email is for the information of the addressee only and should not=
 be reproduced and/or distributed to any other person. This email may =
be sent on behalf of any of the above-named companies and should be co=
nsidered a financial promotion on all occasions where the contents of =
this email could be considered to be an invitation to engage in an inv=
estment activity. Past performance is not a guide to future performanc=
e. This e-mail is subject to terms and risk warnings available here ( =
https://www.tilney.co.uk/email-terms-and-conditions ). By communicatin=
g electronically with us, you consent to these terms.

If you received this email in error, please accept our apology. We wou=
ld be obliged if you would email contact@tilney.co.uk ( contact@tilney=
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lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 0px;padding-bo=
ttom: 0px;padding-left: 0px" valign=3D"top" align=3D"left">
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ak-word;word-break: break-word;Margin: 0;margin-bottom: 0px;margin-top=
: 0px;text-align: right;font-size: 12px;color: rgb(122, 122, 122)"><a =
href=3D"https://updates.tilney.co.uk/378T-MR9F-E854P2BF2B/cr.aspx" sty=
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browser</a></p>
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                                <!-- STACK COLUMN : END -->

                                <!--[if mso]>
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                                </td>
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lass=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:660px;" width=3D"660" class=3D"mso-column-width"><![endif]--><!=
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one" style=3D"font-family: Helvetica, Arial, sans-serif;border-width: =
0;padding: 0;background-color: rgb(70, 70, 72)" align=3D"left" bgcolor=
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                                <!-- STACK COLUMN : BEGIN -->
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vertical-align: top;float: left;min-width: 50%;max-width: 50%;width: 5=
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er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
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ody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;font-si=
ze: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t=
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ageelement col-font-reset" ee-type=3D"element" data-title=3D"Image" st=
yle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout: =
auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0">
                        <tbody>
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er-width: 0;padding-top: 0px;padding-right: 10px;padding-bottom: 0px;p=
adding-left: 10px" align=3D"left">
                                    <a href=3D"https://updates.tilney.=
co.uk/378T-MR9F-54P2BF-CB1NE-1/c.aspx"><img src=3D"https://i.emlfiles4=
.com/cmpimg/7/5/3/9/4/1/files/833200_tilney_logo.png" style=3D"font-si=
ze: 14px;line-height: 22px;color: #3a3a3a;width: 117px;min-height: aut=
o;display: block;height: auto" class=3D"ee_editable ee_pnggif_image ee=
_noresponsiveresize vedpw300" width=3D"117" border=3D"0"></a>
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                                <!-- STACK COLUMN : END -->

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e=3D"width:320px;" width=3D"320" class=3D"column">
                                <![endif]-->

                                <!-- STACK COLUMN : BEGIN -->
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-column-width" ee-percent-width=3D"50" style=3D"display: inline-block;=
vertical-align: top;float: left;min-width: 50%;max-width: 50%;width: 5=
0%">
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er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
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g=3D"0" cellspacing=3D"0" width=3D"100%"><tr><td><![endif]--><div clas=
s=3D"ee-show-on-desktop" style=3D"display: none"><!--[if mso]><table c=
ellpadding=3D"0" cellspacing=3D"0" width=3D"100%"><tr><td><![endif]-->=
<table class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"elemen=
t" data-title=3D"Spacer" style=3D"font-size: 14px;text-align: left;min=
-width: 100%;table-layout: auto" width=3D"100%" cellspacing=3D"0" cell=
padding=3D"0" border=3D"0"><tbody><tr><td style=3D"font-family: Helvet=
ica, Arial, sans-serif;font-size: 1px;line-height: 1px"><img src=3D"ht=
tps://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"display: block; width: =
1px; height: 20px;" alt=3D"" class=3D"" height=3D"20" border=3D"0" wid=
th=3D"1"></td></tr></tbody></table><!--[if mso]></td></tr></table><![e=
ndif]--></div><!--[if mso]></td></tr></table><![endif]-->
                                      <!--[if mso]><table cellpadding=3D=
"0" cellspacing=3D"0" width=3D"100%"><tr><td><![endif]--><div class=3D=
"ee-show-on-desktop" style=3D"display: none"><!--[if mso]><table cellp=
adding=3D"0" cellspacing=3D"0" width=3D"100%"><tr><td><![endif]--><tab=
le class=3D"ee_element ee_textelement col-font-reset" ee-type=3D"eleme=
nt" style=3D"font-size: 14px;text-align: left;min-width: 100%;table-la=
yout: auto" data-title=3D"Text" width=3D"100%" cellspacing=3D"0" cellp=
adding=3D"0">
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lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 10px;padding-b=
ottom: 0px;padding-left: 10px" valign=3D"top" align=3D"left">
                                            <div class=3D"ee_editable"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a"><p style=3D=
"word-wrap: break-word;word-break: break-word;Margin: 0;margin-bottom:=
 0px;margin-top: 0px;text-align: right;font-size: 21px;color: #eff7ea;=
line-height: 24px">
<b>020 7189 2400</b>
</p>
<p style=3D"word-wrap: break-word;word-break: break-word;Margin: 0;mar=
gin-bottom: 0px;margin-top: 0px;text-align: right;color: #eff7ea;font-=
size: 14px;line-height: 24px">
<a href=3D"https://updates.tilney.co.uk/378T-MR9F-54P2BF-CB1NF-1/c.asp=
x" style=3D"color: rgb(239, 247, 234); text-decoration: underline;">Re=
quest a call back</a>
</p> </div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><!--[if mso]></td></tr><=
/table><![endif]--></div><!--[if mso]></td></tr></table><![endif]-->
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                </div>
                                <!-- STACK COLUMN : END -->

                                <!--[if mso]>
                                </td>
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                                </table>
                                <![endif]-->
                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_spacer=
 col-font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"fo=
nt-size: 14px;text-align: left;min-width: 100%;table-layout: auto" wid=
th=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><t=
r><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1p=
x;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif=
" style=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D=
"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table></=
td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]>=
</td></tr></table><![endif]--></td></tr></tbody></table><table class=3D=
"col-font-reset ee_element ee_imageelement" ee-type=3D"element" data-t=
itle=3D"Image" style=3D"font-size: 14px;text-align: left;min-width: 10=
0%;table-layout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D=
"0" border=3D"0">
                        <tbody>
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                                <td class=3D"element-pad element-bord"=
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er-width: 0;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;pa=
dding-left: 0px" align=3D"left">
                                    <center class=3D"ved_ctr"><img src=
=3D"https://i.emlfiles4.com/cmpimg/7/5/3/9/4/1/files/imagecache/106176=
3/w660_1248693_steppingstones.jpg" style=3D"font-size: 14px;line-heigh=
t: 22px;color: #3a3a3a;width: 100%;min-height: auto;display: inline-bl=
ock;margin: 0px;vertical-align: bottom;height: auto" class=3D"ee_edita=
ble vedpw660" width=3D"660" border=3D"0"></center>
                                </td>
                            </tr>
                        </tbody>
                    </table><table class=3D"row one-cols ee_columns ee=
_element" ee-type=3D"container" data-title=3D"1 column" style=3D"max-w=
idth: 100%;min-width: 100%;position: relative;background-color: rgb(25=
5, 255, 255);table-layout: auto" width=3D"100%" cellspacing=3D"0" cell=
padding=3D"0" border=3D"0" align=3D"center" bgcolor=3D"rgb(255, 255, 2=
55)"><tbody><tr><td class=3D"row-inner f-size-0 element-pad col-inner"=
 style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 0;borde=
r-width: 0;padding: 0;padding-top: 0px;padding-right: 20px;padding-bot=
tom: 0px;padding-left: 20px" valign=3D"top" align=3D"center"><!--[if m=
so]><table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"c=
enter" style=3D"width:620px;" width=3D"620" class=3D"mso-table-width">=
<tr><td align=3D"left" valign=3D"top" style=3D"width:620px;" width=3D"=
620" class=3D"mso-column-width"><![endif]--><!-- STACK COLUMN : BEGIN =
--><div class=3D"stack-column stack-column-width" ee-percent-width=3D"=
100" style=3D"display: inline-block;width: 100%;vertical-align: top;mi=
n-width: 100%;max-width: 620px"><table style=3D"table-layout: auto;" w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody>=
<tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" sty=
le=3D"font-family: Helvetica, Arial, sans-serif;border-width: 0;paddin=
g: 0"><table class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"=
element" data-title=3D"Spacer" style=3D"font-size: 14px;text-align: le=
ft;min-width: 100%;table-layout: auto" width=3D"100%" cellspacing=3D"0=
" cellpadding=3D"0" border=3D"0"><tbody><tr><td style=3D"font-family: =
Helvetica, Arial, sans-serif;font-size: 1px;line-height: 1px"><img src=
=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"display: block; w=
idth: 1px; height: 40px;" alt=3D"" class=3D"" height=3D"40" border=3D"=
0" width=3D"1"></td></tr></tbody></table><table class=3D"col-font-rese=
t ee_element ee_textelement" ee-type=3D"element" style=3D"font-size: 1=
4px;text-align: left;min-width: 100%;table-layout: auto" data-title=3D=
"Text" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">
                                        <tbody>
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                                            <td class=3D"element-pad e=
lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 20px;padding-b=
ottom: 0px;padding-left: 20px" valign=3D"top" align=3D"left">
                                            <div class=3D"ee_editable"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a;position: s=
tatic"><p style=3D"word-wrap: break-word;word-break: break-word;Margin=
: 0;margin-bottom: 0px;margin-top: 0px;font-size: 14px;line-height: 23=
px;color: rgb(70, 70, 72)">
With the deadline almost upon us, you may have recently submitted your=
 self-assessment and settled a tax bill. Remember that any pension con=
tributions you make between now and 5 April can be used to offset next=
 year=E2=80=99s tax bill =E2=80=93 so you can save for your retirement=
 while paying less tax.
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
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nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
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t: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;f=
ont-size: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody=
></table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!=
--[if mso]></td></tr></table><![endif]--></td></tr></tbody></table><ta=
ble class=3D"row one-cols ee_columns ee_element" ee-type=3D"container"=
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tion: relative;background-color: rgb(255, 255, 255);table-layout: auto=
" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" alig=
n=3D"center" bgcolor=3D"rgb(255, 255, 255)"><tbody><tr><td class=3D"ro=
w-inner f-size-0 element-pad col-inner" style=3D"font-family: Helvetic=
a, Arial, sans-serif;font-size: 0;border-width: 0;padding: 0;padding-t=
op: 0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px" va=
lign=3D"top" align=3D"center"><!--[if mso]><table border=3D"0" cellspa=
cing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:620px;" w=
idth=3D"620" class=3D"mso-table-width"><tr><td align=3D"left" valign=3D=
"top" style=3D"width:620px;" width=3D"620" class=3D"mso-column-width">=
<![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"stack-column st=
ack-column-width" ee-percent-width=3D"100" style=3D"display: inline-bl=
ock;width: 100%;vertical-align: top;min-width: 100%;max-width: 620px">=
<table style=3D"table-layout: auto;" width=3D"100%" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col=
-inner ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Ar=
ial, sans-serif;border-width: 0;padding: 0"><table class=3D"ee_element=
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tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
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t-size: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpi=
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"" class=3D"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody=
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"container" data-title=3D"1 column" style=3D"max-width: 100%;min-width=
: 100%;position: relative;background-color: rgb(249, 246, 242);table-l=
ayout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=
=3D"0" align=3D"center" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
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t-pad col-inner" style=3D"font-family: Helvetica, Arial, sans-serif;fo=
nt-size: 0;border-width: 0;padding: 0;padding-top: 0px;padding-right: =
0px;padding-bottom: 0px;padding-left: 0px" valign=3D"top" align=3D"cen=
ter">

                                <!--[if mso]>
                                <table border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620=
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                                <tr>
                                <td align=3D"left" valign=3D"top" styl=
e=3D"width:620px;" width=3D"620" class=3D"mso-column-width">
                                <![endif]-->

                                <!-- STACK COLUMN : BEGIN -->
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n-width" ee-percent-width=3D"100" style=3D"display: inline-block;width=
: 100%;vertical-align: top;min-width: 100%;max-width: 620px">
                                <table style=3D"table-layout: auto;" w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0">
                                  <tbody>
                                    <tr>
                                      <td dir=3D"ltr" class=3D"col-inn=
er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
 sans-serif;border-width: 0;padding: 0"><table class=3D"ee_element ee_=
spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;te=
xt-align: left;min-width: 100%;background-color: rgb(249, 246, 242);ta=
ble-layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_textel=
ement col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td clas=
s=3D"element-pad element-bord" style=3D"font-family: Helvetica, Arial,=
 sans-serif;padding: 10px;border-width: 0;padding-top: 0px;padding-rig=
ht: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" align=3D=
"left"><div class=3D"ee_editable" style=3D"font-size: 14px;line-height=
: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap: break-w=
ord;word-break: break-word;Margin: 0;margin-bottom: 0px;margin-top: 0p=
x;line-height: 32px;font-size: 28px;text-align: left;color: rgb(70, 70=
, 72)">
 <strong>Up to =C2=A3450 tax relief on a =C2=A31,000 pension contribut=
ion</strong>
</p></div></td></tr></tbody></table><table class=3D"ee_element ee_spac=
er col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;text-a=
lign: left;min-width: 100%;background-color: rgb(249, 246, 242);table-=
layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"col-font-reset ee_el=
ement ee_textelement" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">
                                        <tbody>
                                          <tr>
                                            <td class=3D"element-pad e=
lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 20px;padding-b=
ottom: 0px;padding-left: 20px" valign=3D"top" align=3D"left">
                                            <div class=3D"ee_editable"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a;position: s=
tatic"><p style=3D"word-wrap: break-word;word-break: break-word;Margin=
: 0;margin-bottom: 0px;margin-top: 0px;font-size: 14px;line-height: 23=
px;color: rgb(70, 70, 72)">
Pension contributions within your annual allowance receive up to 45% t=
ax relief. Whatever you pay in gets topped up by 20% automatically. Hi=
gher and additional-rate taxpayers can then claim back another 20% or =
25% in next year=E2=80=99s tax return. This means that if you=E2=80=99=
re an additional-rate taxpayer <b>a =C2=A31,000 contribution could end=
 up costing you just =C2=A3550</b>.
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
 style=3D"font-size: 14px;text-align: left;min-width: 100%;background-=
color: rgb(249, 246, 242);table-layout: auto" width=3D"100%" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)"=
><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;fon=
t-size: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpi=
mg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody=
></table><table class=3D"ee_element ee_button" ee-type=3D"element" dat=
a-title=3D"Button" style=3D"min-width: 100%;table-layout: auto" width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td class=3D"but=
ton-container button-v2 element-pad" style=3D"font-family: Helvetica, =
Arial, sans-serif;padding: 10px;text-align: left;padding-top: 0px;padd=
ing-right: 20px;padding-bottom: 0px;padding-left: 20px"><!--[if mso]><=
v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:s=
chemas-microsoft-com:office:word" href=3D"https://updates.tilney.co.uk=
/378T-MR9F-54P2BF-CB1NG-1/c.aspx" style=3D"height:29.25pt;v-text-ancho=
r:middle;width:172pt;" arcsize=3D"8%" stroked=3D"false" fillcolor=3D"#=
bf9a5e"><w:anchorlock></w:anchorlock><p style=3D"text-align:center;pad=
ding:0;margin:0;"><font style=3D"color:#000000; font-style:normal;font=
-variant:normal;font-weight:700;font-family:Helvetica, Arial, sans-ser=
if;font-size:11.25pt; padding:0; margin:0; line-height:inherit;">=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF<font style=3D"color: rgb(255, 255, 255);">Speak to a pension=EF=BB=
=BFs =EF=BB=BFexpert</font>=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF</font></p></v:roundrect><![endif]=
--><!--[if !mso]><!----><table class=3D"button-wrapper col-font-reset"=
 ee-template-version=3D"2.3" style=3D"font-size: 14px;text-align: cent=
er;min-width: auto;display: inline-block;float: left;table-layout: aut=
o" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td cla=
ss=3D"button-td" style=3D"font-family: Helvetica, Arial, sans-serif;bo=
rder-radius: 3px;background: #555555;text-align: center;min-width: 230=
px;background-color: rgb(191, 154, 94)" bgcolor=3D"rgb(191, 154, 94)">=
<p style=3D"font-size: 14px;line-height: 23px;color: inherit;height: 1=
00%;margin-bottom: 0;text-align: center;margin: 0" class=3D"ee_editabl=
e button-a"><a href=3D"https://updates.tilney.co.uk/378T-MR9F-54P2BF-C=
B1NG-1/c.aspx" style=3D"border: 0px solid #000000;padding: 10px 15px;c=
olor: inherit;font-family: Helvetica, Arial, sans-serif;font-size: 15p=
x;text-align: center;text-decoration: none;display: block;border-radiu=
s: 3px;font-weight: bold;line-height: inherit;padding-top: 8px;padding=
-right: 15px;padding-bottom: 8px;padding-left: 15px">=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF<font s=
tyle=3D"color: rgb(255, 255, 255);word-break: break-word;word-wrap: br=
eak-word">Speak to a pension=EF=BB=BFs =EF=BB=BFexpert</font>=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
</a></p></td></tr></tbody></table><!--<![endif]--></td></tr></tbody></=
table><table class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"=
element" data-title=3D"Spacer" style=3D"font-size: 14px;text-align: le=
ft;min-width: 100%;background-color: rgb(249, 246, 242);table-layout: =
auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" =
bgcolor=3D"rgb(249, 246, 242)"><tbody><tr><td style=3D"font-family: He=
lvetica, Arial, sans-serif;font-size: 1px;line-height: 1px"><img src=3D=
"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"display: block; widt=
h: 1px; height: 20px;" alt=3D"" class=3D"" height=3D"20" border=3D"0" =
width=3D"1"></td></tr></tbody></table>
                                     =20

                                      <!-- Spacer -->
                                     =20
                                      <!-- End spacer -->

                                     =20
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                </div>
                                <!-- STACK COLUMN : END -->

                                <!--[if mso]>
                                </td>
                                </tr>
                                </table>
                                <![endif]-->

                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_spacer=
 col-font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"fo=
nt-size: 14px;text-align: left;min-width: 100%;table-layout: auto" wid=
th=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><t=
r><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1p=
x;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif=
" style=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D=
"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table></=
td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]>=
</td></tr></table><![endif]--></td></tr></tbody></table><table class=3D=
"row one-cols ee_columns ee_element" ee-type=3D"container" data-title=3D=
"1 column" style=3D"max-width: 100%;min-width: 100%;position: relative=
;background-color: rgb(255, 255, 255);table-layout: auto" width=3D"100=
%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" b=
gcolor=3D"rgb(255, 255, 255)"><tbody><tr><td class=3D"row-inner f-size=
-0 element-pad col-inner" style=3D"font-family: Helvetica, Arial, sans=
-serif;font-size: 0;border-width: 0;padding: 0;padding-top: 0px;paddin=
g-right: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" a=
lign=3D"center"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" c=
lass=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:620px;" width=3D"620" class=3D"mso-column-width"><![endif]--><!=
-- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-wid=
th" ee-percent-width=3D"100" style=3D"display: inline-block;width: 100=
%;vertical-align: top;min-width: 100%;max-width: 620px"><table style=3D=
"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropz=
one" align=3D"left" style=3D"font-family: Helvetica, Arial, sans-serif=
;border-width: 0;padding: 0"><table class=3D"ee_element ee_spacer col-=
font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"font-si=
ze: 14px;text-align: left;min-width: 100%;table-layout: auto" width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td=
 style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;lin=
e-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" sty=
le=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D"" h=
eight=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table><table=
 class=3D"row one-cols ee_columns ee_element" ee-type=3D"container" da=
ta-title=3D"1 column" style=3D"max-width: 100%;min-width: 100%;positio=
n: relative;background-color: rgb(249, 246, 242);table-layout: auto" w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D=
"center" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td class=3D"row-inner f-size-0 elemen=
t-pad col-inner" style=3D"font-family: Helvetica, Arial, sans-serif;fo=
nt-size: 0;border-width: 0;padding: 0;padding-top: 0px;padding-right: =
0px;padding-bottom: 0px;padding-left: 0px" valign=3D"top" align=3D"cen=
ter">

                                <!--[if mso]>
                                <table border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620=
" class=3D"mso-table-width">
                                <tr>
                                <td align=3D"left" valign=3D"top" styl=
e=3D"width:620px;" width=3D"620" class=3D"mso-column-width">
                                <![endif]-->

                                <!-- STACK COLUMN : BEGIN -->
                                <div class=3D"stack-column stack-colum=
n-width" ee-percent-width=3D"100" style=3D"display: inline-block;width=
: 100%;vertical-align: top;min-width: 100%;max-width: 620px">
                                <table style=3D"table-layout: auto;" w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0">
                                  <tbody>
                                    <tr>
                                      <td dir=3D"ltr" class=3D"col-inn=
er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
 sans-serif;border-width: 0;padding: 0"><table class=3D"ee_element ee_=
spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;te=
xt-align: left;min-width: 100%;background-color: rgb(249, 246, 242);ta=
ble-layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_textel=
ement col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td clas=
s=3D"element-pad element-bord" style=3D"font-family: Helvetica, Arial,=
 sans-serif;padding: 10px;border-width: 0;padding-top: 0px;padding-rig=
ht: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" align=3D=
"left"><div class=3D"ee_editable" style=3D"font-size: 14px;line-height=
: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap: break-w=
ord;word-break: break-word;Margin: 0;margin-bottom: 0px;margin-top: 0p=
x;line-height: 32px;font-size: 28px;text-align: left;color: rgb(70, 70=
, 72)">
 <strong>Pay in up to =C2=A3120,000 extra</strong>
</p></div></td></tr></tbody></table><table class=3D"ee_element ee_spac=
er col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;text-a=
lign: left;min-width: 100%;background-color: rgb(249, 246, 242);table-=
layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"col-font-reset ee_el=
ement ee_textelement" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">
                                        <tbody>
                                          <tr>
                                            <td class=3D"element-pad e=
lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 20px;padding-b=
ottom: 0px;padding-left: 20px" valign=3D"top" align=3D"left">
                                            <div class=3D"ee_editable"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a;position: s=
tatic"><p style=3D"word-wrap: break-word;word-break: break-word;Margin=
: 0;margin-bottom: 0px;margin-top: 0px;font-size: 14px;line-height: 23=
px;color: rgb(70, 70, 72)">
You could potentially pay up to =C2=A3120,000 extra into your pension =
this year and still enjoy the same great tax benefits:
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 1=
4px;text-align: left;min-width: 100%;background-color: rgb(249, 246, 2=
42);table-layout: auto" data-title=3D"Spacer" width=3D"100%" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)"=
>
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table>
                                      <table class=3D"row two-cols ee_=
columns ee_element" ee-type=3D"container" data-title=3D"2 columns" sty=
le=3D"max-width: 100%;min-width: 100%;position: relative;table-layout:=
 auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 align=3D"center"><tbody><tr><td class=3D"row-inner f-size-0 element-p=
ad col-inner" dir=3D"ltr" valign=3D"top" align=3D"center" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;font-size: 0;border-width: 0;pa=
dding: 0"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddi=
ng=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" class=3D=
"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D"width=
:372px;" width=3D"372" class=3D"mso-column-width"><![endif]--><!-- STA=
CK COLUMN : BEGIN --><div class=3D"stack-column stack-column-width" ee=
-percent-width=3D"60" style=3D"display: inline-block;width: 60%;vertic=
al-align: top;max-width: 60%;min-width: 100%"><table style=3D"table-la=
yout: auto;" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=
=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" alig=
n=3D"left" style=3D"font-family: Helvetica, Arial, sans-serif;border-w=
idth: 0;padding: 0"><table class=3D"row two-cols ee_columns ee_nostack=
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enter"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpadding=3D=
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-table-width"><tr><td align=3D"left" valign=3D"top" style=3D"width:17.=
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                                </td>
                            </tr>
                        </tbody>
                    </table></td></tr></tbody></table></div><!-- STACK=
 COLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D"top" s=
tyle=3D"width:333.96875px;" width=3D"333.96875" class=3D"column"><![en=
dif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-s=
tack-column-width" ee-percent-width=3D"95" style=3D"display: inline-bl=
ock;vertical-align: top;float: left;min-width: 94.88%;max-width: 94.88=
%;width: 94.88%"><table style=3D"table-layout: auto;" width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"=
ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><table cl=
ass=3D"col-font-reset ee_element ee_textelement" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
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g=3D"0"><tbody><tr><td class=3D"element-pad element-bord" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;padding: 10px;border-width: 0;p=
adding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-left: =
10px" valign=3D"top" align=3D"left"><div class=3D"ee_editable" style=3D=
"font-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p=
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n-bottom: 0px;margin-top: 0px;font-size: 14px;color: rgb(70, 70, 72);t=
ext-align: left;line-height: 23px">
Using pension carry forward, you can take advantage of any unused allo=
wance from the last three tax years in the current year
</p></div></td></tr></tbody></table></td></tr></tbody></table></div><!=
-- STACK COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></=
td></tr></tbody></table><table class=3D"ee_element ee_spacer col-font-=
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ght: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D=
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=3D"10" border=3D"0" width=3D"1"></td></tr></tbody></table><table clas=
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=3D"row-inner f-size-0 element-pad col-inner" dir=3D"ltr" style=3D"fon=
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dding: 0;padding-top: 0px;padding-right: 10px;padding-bottom: 0px;padd=
ing-left: 10px" valign=3D"top" align=3D"center"><!--[if mso]><table bo=
rder=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D=
"width:352px;" width=3D"352" class=3D"mso-table-width"><tr><td align=3D=
"left" valign=3D"top" style=3D"width:17.984375px;" width=3D"17.984375"=
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out: auto;" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D=
"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D=
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: 0;padding: 0"><table class=3D"ee_element ee_spacer col-font-reset" e=
e-type=3D"element" style=3D"font-size: 14px;text-align: left;min-width=
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der=3D"0">
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                                </td>
                            </tr>
                        </tbody>
                    </table></td></tr></tbody></table></div><!-- STACK=
 COLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D"top" s=
tyle=3D"width:333.96875px;" width=3D"333.96875" class=3D"column"><![en=
dif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-s=
tack-column-width" ee-percent-width=3D"95" style=3D"display: inline-bl=
ock;vertical-align: top;float: left;min-width: 94.88%;max-width: 94.88=
%;width: 94.88%"><table style=3D"table-layout: auto;" width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"=
ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><table cl=
ass=3D"col-font-reset ee_element ee_textelement" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
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g=3D"0"><tbody><tr><td class=3D"element-pad element-bord" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;padding: 10px;border-width: 0;p=
adding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-left: =
10px" valign=3D"top" align=3D"left"><div class=3D"ee_editable" style=3D=
"font-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p=
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n-bottom: 0px;margin-top: 0px;font-size: 14px;color: rgb(70, 70, 72);t=
ext-align: left;line-height: 23px">
Not only can this give your retirement savings a big boost, it can als=
o reduce next year=E2=80=99s tax bill significantly
</p></div></td></tr></tbody></table></td></tr></tbody></table></div><!=
-- STACK COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></=
td></tr></tbody></table><table class=3D"ee_element ee_spacer col-font-=
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ght: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D=
"display: block; width: 1px; height: 10px;" alt=3D"" class=3D"" height=
=3D"10" border=3D"0" width=3D"1"></td></tr></tbody></table><table clas=
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" cellpadding=3D"0" border=3D"0" align=3D"center"><tbody><tr><td class=
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t-family: Helvetica, Arial, sans-serif;font-size: 0;border-width: 0;pa=
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ing-left: 10px" valign=3D"top" align=3D"center"><!--[if mso]><table bo=
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"width:352px;" width=3D"352" class=3D"mso-table-width"><tr><td align=3D=
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der=3D"0">
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                                <td class=3D"element-pad element-bord"=
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                                    <center class=3D"ved_ctr"><img src=
=3D"https://i.emlfiles4.com/cmpimg/7/5/3/9/4/1/files/833858_bullet.png=
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                                </td>
                            </tr>
                        </tbody>
                    </table></td></tr></tbody></table></div><!-- STACK=
 COLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D"top" s=
tyle=3D"width:333.96875px;" width=3D"333.96875" class=3D"column"><![en=
dif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-s=
tack-column-width" ee-percent-width=3D"95" style=3D"display: inline-bl=
ock;vertical-align: top;float: left;min-width: 94.88%;max-width: 94.88=
%;width: 94.88%"><table style=3D"table-layout: auto;" width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td dir=3D"=
ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Helvetica, Arial, sans-serif;border-width: 0;padding: 0"><table cl=
ass=3D"col-font-reset ee_element ee_textelement" ee-type=3D"element" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout:=
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g=3D"0"><tbody><tr><td class=3D"element-pad element-bord" style=3D"fon=
t-family: Helvetica, Arial, sans-serif;padding: 10px;border-width: 0;p=
adding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-left: =
10px" valign=3D"top" align=3D"left"><div class=3D"ee_editable" style=3D=
"font-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p=
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n-bottom: 0px;margin-top: 0px;font-size: 14px;color: rgb(70, 70, 72);t=
ext-align: left;line-height: 23px">
But if you want to carry forward any unused allowance from 2014/15, yo=
u=E2=80=99ll need to do it by 5 April
</p></div></td></tr></tbody></table></td></tr></tbody></table></div><!=
-- STACK COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></=
td></tr></tbody></table><table class=3D"ee_element ee_spacer col-font-=
reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"font-size: 1=
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H-1/c.aspx" style=3D"height:29.25pt;v-text-anchor:middle;width:98pt;" =
arcsize=3D"8%" stroked=3D"false" fillcolor=3D"#bf9a5e"><w:anchorlock><=
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=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=
=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=
=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF<font styl=
e=3D"color: rgb(255, 255, 255);">Find out m=EF=BB=BFore</font>=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
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er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
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spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;te=
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ble-layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"=
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                            <tbody>
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rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
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                          </table><table class=3D"ee_element ee_textel=
ement col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td clas=
s=3D"element-pad element-bord" style=3D"font-family: Helvetica, Arial,=
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ht: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" align=3D=
"left"><div class=3D"ee_editable" style=3D"font-size: 14px;line-height=
: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap: break-w=
ord;word-break: break-word;Margin: 0;margin-bottom: 0px;margin-top: 0p=
x;line-height: 32px;font-size: 28px;text-align: left;color: rgb(70, 70=
, 72)">
 <strong>Not sure how much you can afford to contribute?</strong>
</p></div></td></tr></tbody></table><table class=3D"ee_element ee_spac=
er col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;text-a=
lign: left;min-width: 100%;background-color: rgb(249, 246, 242);table-=
layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
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rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
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ement ee_textelement" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">
                                        <tbody>
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lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 20px;padding-b=
ottom: 0px;padding-left: 20px" valign=3D"top" align=3D"left">
                                            <div class=3D"ee_editable"=
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tatic"><p style=3D"word-wrap: break-word;word-break: break-word;Margin=
: 0;margin-bottom: 0px;margin-top: 0px;font-size: 14px;line-height: 23=
px;color: rgb(70, 70, 72)">
Of course, not everyone has a spare =C2=A3120,000 to pay into their pe=
nsion! And many people are unsure how much unused allowance they have =
left, or how much they could afford to pay in without affecting their =
everyday lifestyle.
 <br>
 <br>
Our financial planners can answer all of these questions and help you =
to make the most of your pension allowances. Book an initial telephone=
 consultation today and find out what they could do for you.
</p></div>
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style=3D"font-family: Helvetica, Arial, sans-serif;border-radius: 3px;=
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=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
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r><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1p=
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" style=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D=
"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table></=
td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]>=
</td></tr></table><![endif]--></td></tr></tbody></table><table class=3D=
"row one-cols ee_columns ee_element" ee-type=3D"container" data-title=3D=
"1 column" style=3D"max-width: 100%;min-width: 100%;position: relative=
;background-color: rgb(255, 255, 255);table-layout: auto" width=3D"100=
%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" b=
gcolor=3D"rgb(255, 255, 255)"><tbody><tr><td class=3D"row-inner f-size=
-0 element-pad col-inner" style=3D"font-family: Helvetica, Arial, sans=
-serif;font-size: 0;border-width: 0;padding: 0;padding-top: 0px;paddin=
g-right: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" a=
lign=3D"center"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" c=
lass=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:620px;" width=3D"620" class=3D"mso-column-width"><![endif]--><!=
-- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-wid=
th" ee-percent-width=3D"100" style=3D"display: inline-block;width: 100=
%;vertical-align: top;min-width: 100%;max-width: 620px"><table style=3D=
"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropz=
one" align=3D"left" style=3D"font-family: Helvetica, Arial, sans-serif=
;border-width: 0;padding: 0"><table class=3D"ee_element ee_spacer col-=
font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"font-si=
ze: 14px;text-align: left;min-width: 100%;table-layout: auto" width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td=
 style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;lin=
e-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" sty=
le=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D"" h=
eight=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table><table=
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ta-title=3D"1 column" style=3D"max-width: 100%;min-width: 100%;positio=
n: relative;background-color: rgb(249, 246, 242);table-layout: auto" w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D=
"center" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td class=3D"row-inner f-size-0 elemen=
t-pad col-inner" style=3D"font-family: Helvetica, Arial, sans-serif;fo=
nt-size: 0;border-width: 0;padding: 0;padding-top: 0px;padding-right: =
0px;padding-bottom: 0px;padding-left: 0px" valign=3D"top" align=3D"cen=
ter">

                                <!--[if mso]>
                                <table border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620=
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                                <tr>
                                <td align=3D"left" valign=3D"top" styl=
e=3D"width:620px;" width=3D"620" class=3D"mso-column-width">
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                                <!-- STACK COLUMN : BEGIN -->
                                <div class=3D"stack-column stack-colum=
n-width" ee-percent-width=3D"100" style=3D"display: inline-block;width=
: 100%;vertical-align: top;min-width: 100%;max-width: 620px">
                                <table style=3D"table-layout: auto;" w=
idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0">
                                  <tbody>
                                    <tr>
                                      <td dir=3D"ltr" class=3D"col-inn=
er ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial,=
 sans-serif;border-width: 0;padding: 0"><table class=3D"ee_element ee_=
spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;te=
xt-align: left;min-width: 100%;background-color: rgb(249, 246, 242);ta=
ble-layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
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                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_textel=
ement col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0"><tbody><tr><td clas=
s=3D"element-pad element-bord" style=3D"font-family: Helvetica, Arial,=
 sans-serif;padding: 10px;border-width: 0;padding-top: 0px;padding-rig=
ht: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" align=3D=
"left"><div class=3D"ee_editable" style=3D"font-size: 14px;line-height=
: 22px;color: #3a3a3a;position: static"><p style=3D"word-wrap: break-w=
ord;word-break: break-word;Margin: 0;margin-bottom: 0px;margin-top: 0p=
x;line-height: 32px;font-size: 28px;text-align: left;color: rgb(70, 70=
, 72)">
 <strong>Just need a new home for your pensions?</strong>
</p></div></td></tr></tbody></table><table class=3D"ee_element ee_spac=
er col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;text-a=
lign: left;min-width: 100%;background-color: rgb(249, 246, 242);table-=
layout: auto" data-title=3D"Spacer" width=3D"100%" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
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                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"col-font-reset ee_el=
ement ee_textelement" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">
                                        <tbody>
                                          <tr>
                                            <td class=3D"element-pad e=
lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 20px;padding-b=
ottom: 0px;padding-left: 20px" valign=3D"top" align=3D"left">
                                            <div class=3D"ee_editable"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a;position: s=
tatic"><p style=3D"word-wrap: break-word;word-break: break-word;Margin=
: 0;margin-bottom: 0px;margin-top: 0px;font-size: 14px;line-height: 23=
px;color: rgb(70, 70, 72)">
Through our Bestinvest brand we have a triple-award winning personal p=
ension called <font style=3D"color: rgb(191, 154, 94);"><b><a href=3D"=
https://updates.tilney.co.uk/378T-MR9F-54P2BF-CB1NK-1/c.aspx" style=3D=
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 SIPP</a></b></font>. It makes it easy to pay into your pension and ta=
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</p></div>
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                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 1=
4px;text-align: left;min-width: 100%;background-color: rgb(249, 246, 2=
42);table-layout: auto" data-title=3D"Spacer" width=3D"100%" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 246, 242)"=
>
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_button=
" ee-type=3D"element" data-title=3D"Button" style=3D"min-width: 100%;t=
able-layout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">=
<tbody><tr><td class=3D"button-container button-v2 element-pad" style=3D=
"font-family: Helvetica, Arial, sans-serif;padding: 10px;text-align: l=
eft;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding-l=
eft: 20px"><!--[if mso]><v:roundrect xmlns:v=3D"urn:schemas-microsoft-=
com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:word" href=3D"htt=
ps://updates.tilney.co.uk/378T-MR9F-54P2BF-CB1NL-1/c.aspx" style=3D"he=
ight:29.25pt;v-text-anchor:middle;width:90pt;" arcsize=3D"8%" stroked=3D=
"false" fillcolor=3D"#bf9a5e"><w:anchorlock></w:anchorlock><p style=3D=
"text-align:center;padding:0;margin:0;"><font style=3D"color:#000000; =
font-style:normal;font-variant:normal;font-weight:700;font-family:Helv=
etica, Arial, sans-serif;font-size:11.25pt; padding:0; margin:0; line-=
height:inherit;">=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF<font s=
tyle=3D"color: rgb(255, 255, 255);">Open a =EF=BB=BFSIPP</font>=EF=BB=BF=
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=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF</font></p></v:roundrect><![endif]=
--><!--[if !mso]><!----><table class=3D"button-wrapper col-font-reset"=
 ee-template-version=3D"2.3" style=3D"font-size: 14px;text-align: cent=
er;min-width: auto;display: inline-block;float: left;table-layout: aut=
o" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td cla=
ss=3D"button-td" style=3D"font-family: Helvetica, Arial, sans-serif;bo=
rder-radius: 3px;background: #555555;text-align: center;min-width: 120=
px;background-color: rgb(191, 154, 94)" bgcolor=3D"rgb(191, 154, 94)">=
<p style=3D"font-size: 14px;line-height: 23px;color: inherit;height: 1=
00%;margin-bottom: 0;text-align: center;margin: 0" class=3D"ee_editabl=
e button-a"><a href=3D"https://updates.tilney.co.uk/378T-MR9F-54P2BF-C=
B1NL-1/c.aspx" style=3D"border: 0px solid #000000;padding: 10px 15px;c=
olor: inherit;font-family: Helvetica, Arial, sans-serif;font-size: 15p=
x;text-align: center;text-decoration: none;display: block;border-radiu=
s: 3px;font-weight: bold;line-height: inherit;padding-top: 8px;padding=
-right: 15px;padding-bottom: 8px;padding-left: 15px">=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=
=EF=BB=BF=EF=BB=BF=EF=BB=BF<font style=3D"color: rgb(255, 255, 255);wo=
rd-break: break-word;word-wrap: break-word">Open a =EF=BB=BFSIPP</font=
>=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=
=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF=EF=BB=BF</a></p></td></tr></tb=
ody></table><!--<![endif]--></td></tr></tbody></table><table class=3D"=
ee_element ee_spacer col-font-reset" ee-type=3D"element" style=3D"font=
-size: 14px;text-align: left;min-width: 100%;background-color: rgb(249=
, 246, 242);table-layout: auto" data-title=3D"Spacer" width=3D"100%" c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0" bgcolor=3D"rgb(249, 24=
6, 242)">
                            <tbody>
                              <tr>
                                <td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px">
                                <img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D=
"" class=3D"" height=3D"20" border=3D"0" width=3D"1">
                                </td>
                              </tr>
                            </tbody>
                          </table>
                                     =20

                                      <!-- Spacer -->
                                     =20
                                      <!-- End spacer -->

                                     =20
                                      </td>
                                    </tr>
                                  </tbody>
                                </table>
                                </div>
                                <!-- STACK COLUMN : END -->

                                <!--[if mso]>
                                </td>
                                </tr>
                                </table>
                                <![endif]-->

                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_spacer=
 col-font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"fo=
nt-size: 14px;text-align: left;min-width: 100%;table-layout: auto" wid=
th=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><t=
r><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1p=
x;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif=
" style=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D=
"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table></=
td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]>=
</td></tr></table><![endif]--></td></tr></tbody></table><table class=3D=
"row one-cols ee_columns ee_element" ee-type=3D"container" data-title=3D=
"1 column" style=3D"max-width: 100%;min-width: 100%;position: relative=
;background-color: rgb(255, 255, 255);table-layout: auto" width=3D"100=
%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" b=
gcolor=3D"rgb(255, 255, 255)"><tbody><tr><td class=3D"row-inner f-size=
-0 col-inner element-pad" style=3D"font-family: Helvetica, Arial, sans=
-serif;font-size: 0;border-width: 0;padding: 0;padding-top: 0px;paddin=
g-right: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" a=
lign=3D"center"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cel=
lpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"620" c=
lass=3D"mso-table-width"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:620px;" width=3D"620" class=3D"mso-column-width"><![endif]--><!=
-- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-wid=
th" ee-percent-width=3D"100" style=3D"display: inline-block;width: 100=
%;vertical-align: top;min-width: 100%;max-width: 620px"><table style=3D=
"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropz=
one" align=3D"left" style=3D"font-family: Helvetica, Arial, sans-serif=
;border-width: 0;padding: 0"><table class=3D"ee_element ee_spacer col-=
font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D"font-si=
ze: 14px;text-align: left;min-width: 100%;table-layout: auto" width=3D=
"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td=
 style=3D"font-family: Helvetica, Arial, sans-serif;font-size: 1px;lin=
e-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" sty=
le=3D"display: block; width: 1px; height: 20px;" alt=3D"" class=3D"" h=
eight=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></table><table=
 class=3D"ee_element ee_textelement col-font-reset" ee-type=3D"element=
" style=3D"font-size: 14px;text-align: left;min-width: 100%;table-layo=
ut: auto" data-title=3D"Text" width=3D"100%" cellspacing=3D"0" cellpad=
ding=3D"0">
                                        <tbody>
                                          <tr>
                                            <td class=3D"element-pad e=
lement-bord" style=3D"font-family: Helvetica, Arial, sans-serif;paddin=
g: 10px;border-width: 0;padding-top: 0px;padding-right: 20px;padding-b=
ottom: 0px;padding-left: 20px" valign=3D"top" align=3D"left">
                                            <div class=3D"ee_editable"=
 style=3D"font-size: 14px;line-height: 22px;color: #3a3a3a;position: s=
tatic"><p style=3D"word-wrap: break-word;word-break: break-word;Margin=
: 0;margin-bottom: 0px;margin-top: 0px;color: #333333;font-size: 14px;=
line-height: 23px">
For more information on your pension allowances or to book an initial =
consultation with a financial planner, just reply to this email or cal=
l us on <b>020 7189 2400</b>.
</p></div>
                                            </td>
                                          </tr>
                                        </tbody>
                                      </table><table class=3D"ee_eleme=
nt ee_spacer col-font-reset" ee-type=3D"element" data-title=3D"Spacer"=
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t: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0"><tbody><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;f=
ont-size: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cm=
pimg/t/s.gif" style=3D"display: block; width: 1px; height: 40px;" alt=3D=
"" class=3D"" height=3D"40" border=3D"0" width=3D"1"></td></tr></tbody=
></table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!=
--[if mso]></td></tr></table><![endif]--></td></tr></tbody></table><ta=
ble class=3D"row one-cols ee_columns ee_element" ee-type=3D"container"=
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tion: relative;background-color: rgb(6, 6, 8);table-layout: auto" widt=
h=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"c=
enter" bgcolor=3D"rgb(6, 6, 8)">
                              <tbody>
                                <tr>
                                  <td class=3D"row-inner f-size-0 elem=
ent-pad col-inner" style=3D"font-family: Helvetica, Arial, sans-serif;=
font-size: 0;border-width: 0;padding: 0;padding-top: 0px;padding-right=
: 20px;padding-bottom: 0px;padding-left: 20px" valign=3D"top" align=3D=
"center">

                                  <!--[if mso]>
                                  <table border=3D"0" cellspacing=3D"0=
" cellpadding=3D"0" align=3D"center" style=3D"width:620px;" width=3D"6=
20" class=3D"mso-table-width">
                                  <tr>
                                  <td align=3D"left" valign=3D"top" st=
yle=3D"width:620px;" width=3D"620" class=3D"mso-column-width">
                                  <![endif]-->

                                  <!-- STACK COLUMN : BEGIN -->
                                  <div class=3D"stack-column stack-col=
umn-width" ee-percent-width=3D"100" style=3D"display: inline-block;wid=
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nner ee_dropzone" align=3D"left" style=3D"font-family: Helvetica, Aria=
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xt-align: left;min-width: 100%;table-layout: auto" data-title=3D"Space=
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able-layout: auto" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" =
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lumn stack-column-width" ee-percent-width=3D"37" style=3D"display: inl=
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h: 100%"><table style=3D"table-layout: auto;" width=3D"100%" cellspaci=
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ss=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-family: Helv=
etica, Arial, sans-serif;border-width: 0;padding: 0"><!--[if mso]><tab=
le cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"><tr><td><![endif=
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mso]><table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"><tr><td=
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ng=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td style=3D"font-f=
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r=3D"0" width=3D"1"></td></tr></tbody></table><!--[if mso]></td></tr><=
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td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if mso]>=
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to;" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><=
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er-width: 0;padding: 0;padding-top: 0px;padding-right: 0px;padding-bot=
tom: 0px;padding-left: 0px" valign=3D"top" align=3D"center"><!--[if ms=
o]><table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"ce=
nter" style=3D"width:161px;" width=3D"161" class=3D"mso-table-width"><=
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dding-left: 5px" align=3D"left">
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 bottom; display: block;"><img src=3D"https://i.emlfiles4.com/cmpimg/7=
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height: 22px;color: #3a3a3a;width: 26.6667px;min-height: auto;display:=
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f]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-sta=
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dth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><=
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tom: 0px;padding-left: 5px;table-layout: auto" width=3D"100%" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0">
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dding-left: 5px" align=3D"left">
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eight: 22px;color: #3a3a3a;width: 25.6667px;min-height: auto;display: =
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n: bottom;max-width: 100%;height: auto" class=3D"ee_editable ee_pnggif=
_image ee_noresponsiveresize ee_smallimage  vedpw43" width=3D"25.6667"=
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 COLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D"top" s=
tyle=3D"width:53.65625px;" width=3D"53.65625" class=3D"column"><![endi=
f]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-stack-column no-sta=
ck-column-width" ee-percent-width=3D"33.333" style=3D"display: inline-=
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dth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><=
tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" styl=
e=3D"font-family: Helvetica, Arial, sans-serif;border-width: 0;padding=
: 0"><table class=3D"ee_element ee_imageelement col-font-reset" ee-typ=
e=3D"element" data-title=3D"Image" style=3D"font-size: 14px;text-align=
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tom: 0px;padding-left: 5px;table-layout: auto" width=3D"100%" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0">
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dding-left: 5px" align=3D"left">
                                    <center class=3D"ved_ctr"><a href=3D=
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"margin-left: 0px; margin-right: 0px; margin-top: 0px; vertical-align:=
 bottom; display: block;"><img src=3D"https://i.emlfiles4.com/cmpimg/7=
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height: 22px;color: #3a3a3a;width: 25.6667px;min-height: auto;display:=
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gn: bottom;max-width: 100%;height: auto" class=3D"ee_editable ee_pnggi=
f_image ee_noresponsiveresize ee_smallimage  vedpw43" width=3D"25.6667=
" border=3D"0"></a></center>
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                    </table></td></tr></tbody></table></div><!-- STACK=
 COLUMN : END --><!--[if mso]></td></tr></table><![endif]--></td></tr>=
</tbody></table></td></tr></tbody></table></div><!-- STACK COLUMN : EN=
D --><!--[if mso]></td><td align=3D"left" valign=3D"top" style=3D"widt=
h:228.953125px;" width=3D"228.953125" class=3D"column"><![endif]--><!-=
- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-widt=
h" ee-percent-width=3D"36.93" style=3D"display: inline-block;width: 36=
.93%;vertical-align: top;max-width: 36.93%;min-width: 100%"><table sty=
le=3D"table-layout: auto;" width=3D"100%" cellspacing=3D"0" cellpaddin=
g=3D"0" border=3D"0"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_=
dropzone" align=3D"left" style=3D"font-family: Helvetica, Arial, sans-=
serif;border-width: 0;padding: 0"><!--[if mso]><table cellpadding=3D"0=
" cellspacing=3D"0" width=3D"100%"><tr><td><![endif]--><div class=3D"e=
e-show-on-desktop" style=3D"display: none"><!--[if mso]><table cellpad=
ding=3D"0" cellspacing=3D"0" width=3D"100%"><tr><td><![endif]--><table=
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a-title=3D"Spacer" style=3D"font-size: 14px;text-align: left;min-width=
: 100%;table-layout: auto" width=3D"100%" cellspacing=3D"0" cellpaddin=
g=3D"0" border=3D"0"><tbody><tr><td style=3D"font-family: Helvetica, A=
rial, sans-serif;font-size: 1px;line-height: 1px"><img src=3D"https://=
i.emlfiles4.com/cmpimg/t/s.gif" style=3D"display: block; width: 1px; h=
eight: 5px;" alt=3D"" class=3D"" height=3D"5" border=3D"0" width=3D"1"=
></td></tr></tbody></table><!--[if mso]></td></tr></table><![endif]-->=
</div><!--[if mso]></td></tr></table><![endif]--></td></tr></tbody></t=
able></div><!-- STACK COLUMN : END --><!--[if mso]></td></tr></table><=
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cer col-font-reset" ee-type=3D"element" data-title=3D"Spacer" style=3D=
"font-size: 14px;text-align: left;min-width: 100%;table-layout: auto" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody=
><tr><td style=3D"font-family: Helvetica, Arial, sans-serif;font-size:=
 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.=
gif" style=3D"display: block; width: 1px; height: 20px;" alt=3D"" clas=
s=3D"" height=3D"20" border=3D"0" width=3D"1"></td></tr></tbody></tabl=
e>

                                       =20
                                       =20
                                        </td>
                                      </tr>
                                    </tbody>
                                  </table>
                                  </div>
                                  <!-- STACK COLUMN : END -->

                                  <!--[if mso]>
                                  </td>
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                                  </table>
                                  <![endif]-->

                                </td>
                              </tr>
                            </tbody>
                          </table><table class=3D"row one-cols ee_colu=
mns ee_element" ee-type=3D"container" data-title=3D"1 column" style=3D=
"max-width: 100%;min-width: 100%;position: relative;table-layout: auto=
" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" alig=
n=3D"center"><tbody><tr><td class=3D"row-inner f-size-0 element-pad co=
l-inner" valign=3D"top" align=3D"center" style=3D"font-family: Helveti=
ca, Arial, sans-serif;font-size: 0;border-width: 0;padding: 0"><!--[if=
 mso]><table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D=
"center" style=3D"width:660px;" width=3D"660" class=3D"mso-table-width=
"><tr><td align=3D"left" valign=3D"top" style=3D"width:660px;" width=3D=
"660" class=3D"mso-column-width"><![endif]--><!-- STACK COLUMN : BEGIN=
 --><div class=3D"stack-column stack-column-width" ee-percent-width=3D=
"100" style=3D"display: inline-block;width: 100%;vertical-align: top;m=
in-width: 100%;max-width: 660px"><table style=3D"table-layout: auto;" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody=
><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" st=
yle=3D"font-family: Helvetica, Arial, sans-serif;border-width: 0;paddi=
ng: 0"><table class=3D"ee_element ee_spacer col-font-reset" ee-type=3D=
"element" style=3D"font-size: 14px;text-align: left;min-width: 100%;ba=
ckground-color: rgb(245, 245, 245);table-layout: auto" data-title=3D"S=
pacer" width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 bgcolor=3D"rgb(245, 245, 245)">
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rial, sans-serif;font-size: 1px;line-height: 1px">
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pimg/t/s.gif" style=3D"display: block; width: 1px; height: 40px;" alt=3D=
"" class=3D"" height=3D"40" border=3D"0" width=3D"1">
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                              </tr>
                            </tbody>
                          </table><table class=3D"ee_element ee_textel=
ement col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;table-layout: auto" data-title=3D"Text" =
width=3D"100%" cellspacing=3D"0" cellpadding=3D"0">
                            <tbody>
                              <tr>
                                <td class=3D"element-pad element-bord"=
 style=3D"font-family: Helvetica, Arial, sans-serif;padding: 10px;bord=
er-width: 0;padding-top: 0px;padding-right: 10px;padding-bottom: 0px;p=
adding-left: 10px" valign=3D"top" align=3D"left">
                                <div class=3D"ee_editable" style=3D"fo=
nt-size: 14px;line-height: 22px;color: #3a3a3a;position: static"><p cl=
ass=3D"col-text" style=3D"word-wrap: break-word;word-break: break-word=
;Margin: 0;margin-bottom: 0px;margin-top: 0px;font-size: 14px;text-ali=
gn: left;line-height: 23px;color: rgb(74, 74, 74)">
 <b style=3D"color: rgb(74, 74, 74);">Important Information</b>
 <br>
 <br>
 <b style=3D"color: rgb(74, 74, 74);">The value of investments, and th=
e income derived from them, can go down as well as up and you can get =
back less than you originally invested.</b> This email does not consti=
tute personal advice. If you are in doubt as to the suitability of an =
investment please contact one of our advisers. Past performance is not=
 a guide to future performance.=20
 <br>
 <br>
Prevailing tax rates and reliefs are dependent on your individual circ=
umstances and are subject to change. Please note we do not provide tax=
 advice.
 <br>
 <br>
 SIPPs are not suitable for everyone. If you don=E2=80=99t want to inv=
est across different asset classes or don=E2=80=99t think you will mak=
e use of the investment choices that SIPPs give you then a SIPP might =
not be right for you. Please contact us for guidance or advice if you =
are unsure whether a SIPP is right for you.
 <br>
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