THE PENSION LIBRARY · 2026/27 UK TAX YEAR

The Pension Library

Presented by Gerald Whitlock, an AI-generated presenter. The rules and figures are real and come from GOV.UK, HMRC and the DWP.

Six guides on UK tax, pensions, inheritance, and the things HMRC never explains. Two of the six are only available in the library — including the handover pack your spouse will need when you're gone.

The Pension Library

All six guides, delivered instantly
Two guides exclusive to the library
Lifetime access · 14-day refund

£297

Get the library — £297

Instant PDF delivery. Secure checkout via Payhip. All major UK cards accepted.

The six guides

Four available individually. Two only available as part of the library.

Inheritance Tax For Couples: Using Both Allowances

Inheritance Tax planning beyond the £1,000,000 shelter.

Bundle only

The Handover File: What Your Family Will Need

The handover pack your spouse, children, and executor will actually need.

Bundle only

Your State Pension And Tax: The Checks That Matter

The HMRC letters every UK pensioner will receive.

£175 · or in the library

Your Home And Care Fees: How The Rules Work

CGT, care fees, and the rules around the family home.

£175 · or in the library

Before You Lose Your Husband or Wife

The eight reclaims a widow has to make in the first year.

£225 · or in the library

Before You Help Your Kids With Money

Lifetime gifts without HMRC taking 40%.

£225 · or in the library

Two of the six guides are only available in the library.

If you've read the free guide and watched the video, you already know what kind of book this is.

The free guide named ten things the UK system owes ordinary pensioners and almost never pays out. Marriage Allowance. Inherited State Pension. The £6,000 of savings interest a low-income pensioner can earn tax-free. The £1,000,000 Inheritance Tax shelter most couples don't know they have.

Those ten items are the surface. Anyone qualifying can claim them on a single afternoon of phone calls.

The library underneath is six guides covering the rest.

The HMRC letters most pensioners pay without challenging. The family home and what happens to it when you downsize, or pay for care, or pass it on. The Inheritance Tax planning that shelters hundreds of thousands of pounds — not the £1,000,000 most couples have automatically, but the further hundreds of thousands lifetime gifts can put on top. The handover pack your spouse will need in the first thirty days after you're gone. The financial reclaims a widow has to make in the first year of widowhood, that nobody at the bank or the funeral home or the solicitor's office will tell her about. And the rules around helping adult children with money — how to give them what you want them to have, without HMRC taking forty percent of it in the end.

The library brings together what every UK pensioner household should know about tax, the family home, bereavement, gifts and Inheritance Tax — with the figures for the 2026/27 tax year.

Why the library exists

Most pensioners reading this don't have just one of the six worries. They have three or four. Buying them separately makes no sense at that point.

The four guides sold separately cost £800 together. The library is £297 and includes two guides that aren't sold on their own.

The two library-exclusive guides aren't sold separately because they only work alongside the others. Inheritance Tax For Couples assumes you understand the basics covered in the State Pension guide. The Handover File assumes your tax affairs are in order before you start preparing the handover. They belong with the rest, not on their own.

The Pension Library

All six guides, delivered instantly
Two guides exclusive to the library
Lifetime access · 14-day refund

£297

Get the library — £297

Instant PDF delivery. Secure checkout via Payhip. All major UK cards accepted.

Who Gerald is

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.

The honest bit

Some of you reading this are wondering whether £297 is a good use of money. Here's the straight answer.

If none of the six worries above apply to your situation — you don't have a family home, you don't have a spouse, you don't have adult children, you've never received an HMRC letter, you don't have any savings outside an ISA — the library isn't for you. Save your £297.

If one of the six worries applies, the individual guide for that worry is probably the better purchase. £175 or £225 instead of £297.

If three or four of them apply — which is the situation many pensioner households are in — the library is the better purchase. The maths is straightforward.

A few other honest notes.

This isn't financial advice. We don't know your specific situation. Everything in the library is general information — based on the published rules, with figures from GOV.UK for the 2026/27 tax year. For your specific decisions, the right next step is a conversation with a qualified accountant, an IFA regulated by the FCA, Pension Wise (free), Citizens Advice (free), or HMRC directly.

The library doesn't make those calls for you. It tells you which calls to make, what to ask when you're on them, and what to look out for in the answers.

The figures in the library are correct for the 2026/27 UK tax year.

That's what £297 buys.

Common questions

How is the library delivered?

Six PDFs sent to your inbox within a few minutes. You can read them on any device — phone, tablet, computer, e-reader — or print them. Each guide is between 34 and 48 pages.

Why are two of the guides only available in the library?

Two of the six guides are only available in the library. Inheritance Tax For Couples deals with serious Inheritance Tax planning. The Handover File is the handover pack your family will need when you die. Both of them depend on the other guides — IHT planning is most useful for couples who've understood the basics first, and the handover pack assumes you've put your tax affairs in order. They wouldn't work well as standalone purchases. They belong with the rest.

What if I don't understand something in one of the guides?

Each guide is written in plain English, with worked examples and step-by-step procedures. If something isn't clear, every guide ends with the same closing line: for your specific situation, talk to a qualified accountant, an IFA regulated by the FCA, or HMRC directly. The library tells you which professional to talk to about what — that's most of the value.

Is the library current?

Figures are taken from GOV.UK for the 2026/27 tax year. The version date is shown on the front of each PDF. Tax rules change — most figures update every 6 April when the new UK tax year begins. The structural rules (the seven-year rule, Section 21, the transferable Nil-Rate Band, and so on) don't change; the amounts attached to them often do.

What's the refund policy?

14 days, no questions asked. Email the refund address in any PDF and you'll get your £297 back.

Is this regulated financial advice?

No. We're not regulated financial advisers. The library is general educational information about UK tax, pensions, allowances, and procedures — the same category of information you'd find in a Which? guide or on the MoneyHelper website, but pulled together in one place and written in plain English. For decisions about your specific situation, the library directs you to the right regulated professional.

What if I have a question that isn't here?

Email [email protected]. We read every message, but we can't give advice on your own situation.

The Pension Library

Six guides. Two only available here. £297.

£297

Get the library — £297

Instant PDF delivery. Lifetime access. 14-day refund.