Gerald Whitlock
UK tax & pensions — plain English

THE PENSION LIBRARY · 2026/27 UK TAX YEAR

Six things every UK pensioner needs to know.

Six guides on UK tax, pensions and inheritance — in plain English, with the figures from GOV.UK.

Each guide solves one thing. Two are only available in the library.

Your State Pension And Tax: The Checks That Matter

Your State Pension And Tax: The Checks That Matter

Many pensioners overpay tax without realising. Here's how to check yours.
Your Home And Care Fees: How The Rules Work

Your Home And Care Fees: How The Rules Work

How your home is treated if you need care — and the options that can protect it.
Before You Lose Your Husband or Wife

Before You Lose Your Husband or Wife

When one of you dies, there are payments and allowances the other has to claim.
Before You Help Your Kids With Money

Before You Help Your Kids With Money

How to help your family with money without creating an Inheritance Tax bill later.
Inheritance Tax For Couples: Using Both Allowances

Inheritance Tax For Couples: Using Both Allowances

Only in the library

A married couple can pass on up to £1 million free of Inheritance Tax — if the paperwork is in order.
The Handover File: What Your Family Will Need

The Handover File: What Your Family Will Need

Only in the library

The paperwork your family will need when you die, in one place.
The Pension Library — all six guides
£297

The four guides sold separately cost £800 together.

Sort all of it. Once. For good.

Every guide above — plus the two that aren't sold anywhere else. Updated for each new tax year. Plain English, with the forms and phone numbers you need.

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Settle the lot.

Who is Gerald?

Gerald Whitlock is an AI-generated presenter, not a real person. There is no professional title behind these guides: we are not accountants, tax advisers or financial advisers, and nothing here is personal advice.

We made Gerald and these guides because the rules that decide how much tax a pensioner pays, which benefits they can claim and what happens to the family home are all public, but they are spread across GOV.UK, HMRC manuals and DWP guidance, and they are rarely explained in plain English. The guides bring those rules together in one place, with the figures for the 2026/27 tax year.

It matters because much of the system pays out only what you claim. Allowances such as Marriage Allowance and benefits such as Pension Credit have to be applied for, a tax code can be wrong without you noticing, and some time limits can't be put right once they have passed. The guides explain UK rules from public sources — GOV.UK, HMRC and the DWP — and tell you which professional or free service to contact for your own situation. Two of the six guides are only available in the library.

Ready when you are.

All six guides — for £297. Delivered as PDFs. Read on any device.

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Start with the free guide.

10 things UK pensioners can claim, and many don't. A short free guide with the 2026/27 figures from GOV.UK.

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