Write a re-engagement email

I work in marketing at a financial advice firm. Help me write an email to past clients we have not heard from.

Context: Past clients often took one piece of advice, such as a mortgage or a pension review, and then drifted. A change in their life or in tax rules is the usual reason to return.

Before you start, ask me for anything missing from this list:
- Who these people are and when we last worked with them
- A real reason to get in touch now
- What we would like them to do

Then:
1. Open with the reason for writing.
2. Offer something useful that asks nothing of them.
3. Make one small ask.
4. Make it easy to say no or to stop hearing from us.

Give me:
- Two versions with different openings
- Subject lines for each

Rules:
- Use only the facts I give you. Where something is missing, write [detail needed]. Never invent a number, a name, a quote or a source.
- Give general financial information only. Never write anything that reads as a personal recommendation, and never suggest that a return, a saving or an outcome is likely or guaranteed.
- Write in plain English, in our voice if I have given you a sample.
- Do not tell me what the rules or regulations say. If something may be restricted, flag it and I will check.

Finish with a list headed "Check before this goes out". Include these, plus anything else our compliance officer or whoever approves our financial promotions should see:
- That these people agreed to hear from us
- Any reference to their past advice, products or circumstances
- Whether the email counts as a promotion and needs approval