Skip to content

Quality Advice Quality Service

Show / hide the search form Menu

Taxing and opting out of Winter Fuel Payments –

In the UK, Winter Fuel Payments (WFP) are typically made to pensioners to help with heating costs. However, starting from winter 2025/26, there are new rules and guidance on how Winter Fuel Payments will be recovered from wealthier pensioners.

Tax clawback for Higher Incomes

  • If your taxable income exceeds £35,000, HMRC will claw back the WFP through the tax system.
  • This applies even if your income exceeds the threshold by just £1.
  • Recovery is done via:
    • PAYE tax code adjustment for non–self-assessment taxpayers.
    • Self-assessment tax return inclusion for those who file one.

Opting Out of the Payment

  • You can opt out of receiving the WFP to avoid the clawback process.
  • The deadline to opt out for winter 2025/26 is 15 September 2025.
  • You must live in England, Wales, or Northern Ireland to opt out online.

You can find out more information, and opt out on the following link:

Winter Fuel Payment: Report a change or opt out – GOV.UK

Back to News and Events

News and Events

Market Commentary – 5 December 2025

Stocks had a small dip in November, before recovering back towards their previous highs. The longest US government shutdown in history had a negative effect, before coming to an abrupt end and allowing stocks to rally.

Staff News

We welcome new colleagues, congratulate long service and achievements, and wish good luck to a retiring colleague.

Christmas and New Year Office Hours

Our Office opening hours during the festive period are as follows:

Planning for Care in Later Life

Many of us take steps to prepare for retirement – setting aside savings, managing our Inheritance Tax position, or making Wills. Yet one crucial area often gets overlooked: planning for future care needs.