THE PENSION LIBRARY · 2026/27 UK TAX YEAR

Everything Gerald Knows

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.

Everything Gerald Knows — the complete library

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

Today

£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.

Before HMRC Takes 40% of Everything You Built

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

Bundle only

Before You're Gone

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

Bundle only

Before HMRC Comes For Your State Pension

The HMRC letters every UK pensioner will receive.

£175 · or in the library

Before The Taxman Comes For Your House

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

The two library-exclusive guides are the most valuable in the set — and they only work alongside the others. They're not sold separately on purpose.

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.

I retired from accountancy practice in 2022 after nearly four decades inside the UK tax system. The library is what I wish every UK pensioner had been handed at 65. It's the full version of the conversation I used to have with clients — one a week, for thirty-seven years — about what to actually do about all of this.

— Gerald

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 individually-available guides come to £800 if bought one at a time. The two library-exclusive guides — Before HMRC Takes 40% and Before You're Gone — bring the full listed value to £1,322.

The complete library is £297.

The two library-exclusive guides aren't sold separately because they only work alongside the others. Before HMRC Takes 40% assumes you understand the basics covered in the State Pension guide. Before You're Gone assumes your tax affairs are in order before you start preparing the handover. They belong with the rest, not on their own.

Everything Gerald Knows — the complete library

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

Today

£297

Get the library — £297

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

Who Gerald is

Gerald Whitlock is a retired British tax accountant who spent nearly four decades inside the UK tax system, in private practice across London and the Home Counties. He retired from full-time practice in 2022 at the age of 58. Since then, he has volunteered for Pension Wise and Citizens Advice — sitting opposite over a thousand ordinary UK pensioners trying to make sense of their own paperwork.

He has been investing his own money since 1989, through the dotcom crash, the 2008 financial crisis, the 2020 Covid crash, and the 2022 mini-budget chaos. He owns one buy-to-let in Reigate, Surrey, where he lives with his wife Margaret. He has two adult children and three grandchildren under 10. He reads the Financial Times Weekend every Saturday and has done for over thirty years.

He launched the channel and this library because he kept hearing the same stories from neighbours, family, and the pensioners he was helping through Citizens Advice — ordinary people overpaying thousands of pounds, missing allowances, leaving money with HMRC and the DWP, because nobody had ever explained the rules.

Gerald is not a regulated financial adviser, and the library is not personal financial advice. It is general educational information about UK tax, pensions, inheritance, and the procedures around them — verified against gov.uk for the 2026/27 UK tax year.

The honest bit

Some of you reading this are wondering whether £297 is a good use of money. I want to be straight about that.

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 most UK pensioners I sat across from in Citizens Advice are actually in — the library is the better purchase. The maths is straightforward.

A few other honest notes.

This isn't financial advice. I'm not your accountant, and I don't know your specific situation. Everything in the library is general information — based on what I saw across thirty-seven years working in UK tax, and verified against gov.uk for the current 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.

— Gerald

Common questions

How is the library delivered?

Six PDFs sent to your inbox within five minutes of checkout. You can read them on any device — phone, tablet, computer, e-reader. You can also print them, which a lot of people do. Each guide is between 25 and 50 pages.

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

Before HMRC Takes 40% and Before You're Gone are the two most valuable guides in the set. The first deals with serious Inheritance Tax planning. The second 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?

Every figure is verified against gov.uk for the 2026/27 UK 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. If the library doesn't deliver what's described on this page, email the refund address in any PDF and you'll get your £297 back. It's not a tactic — I'd rather not have your money than have an unhappy reader.

Is this regulated financial advice?

No. I'm a retired accountant, not a regulated financial adviser. 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 from a practitioner's perspective. 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]. I read everything, and I answer what I can — though I can't give personal advice on your specific tax situation, for the same reasons explained throughout the library.

Everything Gerald Knows

Six guides. Two only available here. £297.

Today

£297

Get the library — £297

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