Gerald Whitlock
Retired UK tax accountant

THE PENSION LIBRARY · 2026/27 UK TAX YEAR

Six things every UK pensioner needs to know.

Six guides on UK tax, pensions, and inheritance — written by a retired tax accountant after nearly forty years inside the system.

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

Before HMRC Comes For Your State Pension

Before HMRC Comes For Your State Pension

Most pensioners pay tax they don't owe. For years. Nobody tells them.
Before The Taxman Comes For Your House

Before The Taxman Comes For Your House

If you need care, the council can take your house. There's a way to keep it.
Before You Lose Your Husband or Wife

Before You Lose Your Husband or Wife

When one of you dies, the other has to claim money nobody mentions. Or lose it.
Before You Help Your Kids With Money

Before You Help Your Kids With Money

Help your family the wrong way and HMRC takes 40%. Done right, nothing.
Before HMRC Takes 40% of Everything You Built

Before HMRC Takes 40% Of Everything You Built

Only in the library

Most couples have a £1 million tax shelter and have no idea. Then they lose it.
Before You're Gone

Before You're Gone

Only in the library

When you die, your family has 30 days of paperwork they've never seen.
The Pension Library — all six guides
£1,322 £297

Sort all of it. Once. For good.

Every guide above — plus the two that aren't sold anywhere else. Read them once and you're set for the rest of your life. No more wondering. No more missed allowances. No more HMRC letters you can't decode.

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Settle the lot.

Who is Gerald?

Gerald Whitlock is a retired British tax accountant. He spent nearly forty years in private practice, helping UK families with HMRC, pensions, ISAs, and inheritance tax. He retired in 2022.

Since then, he's volunteered for Pension Wise and Citizens Advice — sitting opposite ordinary UK pensioners who've been overpaying tax, missing allowances, and losing money to HMRC because nobody ever explained the rules.

He made these guides because he kept hearing the same stories. He wrote them in plain English. He verified every figure against gov.uk. And he made the two most important ones — the inheritance tax guide, and the handover pack for your family — only available together in the library.

Ready when you are.

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

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NOT READY YET?

Start with the free guide.

10 things UK pensioners are owed — that 98% never claim. Fourteen pages. Verified against gov.uk for the 2026/27 UK tax year.

Get the free guide →