A few months <a href=" http://www.academicpresseurope.nl/?short-essay-on-self-confidence#tease ">criteria for writing an essay</a> Independent financial adviser Arthur Childs, managing director of Guildford-based Arch Financial Planning, said one in 10 of the pensions he looks at have exit fees that are so high that it is not worth moving a client’s money to a lower charging scheme.