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The Fiduciary Focus Blog

Benjamin Smith, CFA

Ben serves as a Principal for Guidance Point Retirement Services, LLC, focusing on bringing retirement plan and investment consulting services to clients in the region. He also serves as the firm’s Chief Investment Officer, directing the investment philosophy and retirement plan investment menu design for all the firm’s clients. Prior to working for Guidance Point Retirement Services, LLC, Ben worked for Acadia Trust, N.A., a subsidiary of Camden National Corporation, as Vice President, Portfolio Manager, based in Bangor, Maine. Ben assumed responsibility for and oversight of over $300mm in client portfolios, including individuals, families, retirement plans, endowments, foundations, businesses, and trusts. In addition, he served on the Company’s Investment Committee. He also chaired the Mutual Fund Committee and managed Retirement Plan Services for the company.
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Recent Posts

Does My Retirement Plan Menu Offer Too Many Investment Choices? (HINT: It Probably Does!)

Benjamin Smith, CFA 06 November, 2019
Retirement plan fiduciaries have the important decision to make on how to design, implement, and monitor the investment lineup offered to participants. The number and what types of investment choices ...
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2019 Financial Times 401 Top Retirement Advisors

Benjamin Smith, CFA 11 October, 2019
Guidance Point Retirement Services, LLC is pleased to announce that A.J. Walker, AIF® has been named to the 2019 edition of the Financial Times 401 Top Retirement Advisers. The list recognizes the ...
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Are Index Funds Causing a Market Bubble?

Benjamin Smith, CFA 10 September, 2019
Over the tenure of our firm, our clients have been raising the question whether index funds in their allocation of investable dollars are a positive or a negative in their impacts to capital markets, ...
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4 Lessons We Learned from Attending the 2019 Fi360 Conference

Benjamin Smith, CFA 03 May, 2019
  1) Financial Coaching is the next evolution in the Participant Experience One session we attended was titled "The Evolution of the Investment Lineup Spectrum." It was presented by Franklin ...
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3 Reasons Your Retirement Plan Should Offer Index Funds

Benjamin Smith, CFA 14 June, 2018
Investment portfolio construction is frequently debated specifically around utilizing active funds, index funds, or both. Within defined contribution employee-directed retirement plans, we believe it ...
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Capital Markets Review - First Quarter 2018

Benjamin Smith, CFA 12 April, 2018
First Quarter 2018 – We’re glad that’s over!1
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ESG Investing: Does it belong in your Retirement Plan Menu?

Benjamin Smith, CFA 03 April, 2018
A   question, or maybe even a demand, that we've been receiving more and more from our Retirement Plan Committees and their participants has been "Are there any Socially Responsible funds in our ...
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Capital Markets Review - Fourth Quarter 2017 

Benjamin Smith, CFA 19 January, 2018
2017 was the Goldilocks Year, but what about 2018? There have been two important drivers for the strong equity rebound in 2017.  First, dovish central bank policy and a weaker US dollar have resulted ...
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GPRS named to NAPA Top DC Plan Advisors Firms List for 2017

Benjamin Smith, CFA 14 December, 2017
Guidance Point Retirement Services is pleased to announce we have been included on the NAPA Top DC Plan Advisors list. The National Association of Plan Advisors Top DC Advisor Firm list highlights ...
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Capital Markets Review- Second Quarter 2017

Benjamin Smith, CFA 15 July, 2017
  The 10th Anniversary of the start of the Financial Crisis; How much longer does the Goldilocks Scenario last? June marked the 10th anniversary of the beginning of the Financial Crisis.  In June ...
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