2026/27 Edition · United Kingdom
There could be £4,000–£6,000 a year in allowances, benefits and tax breaks you're legally entitled to claim right now — and were never told about. This book shows you exactly what to take, and how, in plain English.
Why this exists
Three quiet shifts are costing careful savers thousands of pounds a year — not through any headline tax rise, but through rules that are never explained in one place.
The tax-free Personal Allowance is frozen at £12,570 while the State Pension keeps rising. More pensioners are pulled into paying tax every year — many for the first time in their lives.
Pension Credit alone is worth around £3,900 a year, and hundreds of thousands of households never claim it — or the free TV licence, Council Tax cut and other help it unlocks.
Sign it over to the children the wrong way and you can lose control, the capital gains break, and often the tax saving too. Almost no one is warned before it's too late.
A taste of what's inside
Every one is a legitimate right or strategy under current rules. They're "secrets" only because no one hands them to you together.
Attendance Allowance can open the door to Pension Credit — even if you thought you earned too much. It isn't means-tested, and claiming it can unlock benefits you were previously refused.
The starting rate for savings can give you up to £5,000 of interest tax-free, on top of your other allowances — taking the tax-free total towards £18,570 for those with modest pensions.
Gifts from your spare income are free of inheritance tax straight away — with no seven-year wait — provided they're regular and properly recorded. Almost nobody uses it.
Never simply gift your home to your children. There's a safer route that keeps you in control and protects an allowance worth up to £175,000 per person.
The full book has dozens more, each with the exact 2026/27 figures and a clear explanation of how to act on it.
Inside the book · 12 chapters
Two parts: first, everything you're owed and everything HMRC can now see. Then, the strategies that quietly keep more of it in your pocket.
Plus a full introduction, Chapter 12's costliest-mistakes rundown, and a printable action checklist.
Who it's for
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Get a free three-step checklist to see what you might be owed, and a taste of the book.
From George Williams
George Williams helps people across the UK make sense of pensions, tax and inheritance — in plain English, without the jargon and without a sales pitch. This book brings the channel's most important guidance together in one place, checked and updated for the 2026/27 tax year, so you have it to hand whenever you need it.
Questions
Almost certainly. It's written for people over 60 across the UK — whether you're about to retire or have been retired for years. If you receive (or soon will) the State Pension and have any savings, a private pension, or a home to pass on, this book is written for your situation.
No. Everything is explained in plain English, step by step, with the actual figures. Where a term needs explaining, it's explained. You don't need any background — that's the whole point of the book.
Every figure is real and current: Pension Credit averages around £3,900 a year, Attendance Allowance is worth up to roughly £5,960 a year, and Marriage Allowance can be backdated by about £1,000 — before you count Council Tax reductions, tax saved and more. What you personally can claim depends on your circumstances, and the book shows you how to check.
Yes. Every allowance, threshold and rate is set to the 2026/27 tax year, and the edition is clearly marked so you always know it's current.
It's written for the whole UK and flags where England, Scotland, Wales and Northern Ireland differ. Where a single figure is given, it generally reflects the position in England.
You get instant access the moment you pay: open it and read on any phone, tablet or computer. It's yours to keep, and there's nothing to wait for.
The rules reward the people who understand them. This guide puts you on that side of the line.
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