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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

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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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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Guidance Point Retirement Services: Bad Fits

Benjamin Smith, CFA 25 May, 2017
  Who should we not work with at Guidance Point Retirement Services? What types of clients would we describe as "bad fits"?  This is a question that we receive from time to time from our prospects.  ...
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Who Pays the Retirement Plan Fees? 4 Tips to Help You Decide

Benjamin Smith, CFA 19 May, 2017
Who pays the retirement plan fees? Should the plan sponsor pay? What about the participant? Maybe a mix of both?  These questions are core to how our consultants help retirement plan committees ...
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Capital Markets Review- First Quarter 2017

Benjamin Smith, CFA 14 April, 2017
  A Trump Bump and Growing International Economic Confidence: The first quarter of 2017 was dominated by political headlines and firming economic data globally. Risk assets continued to outperform ...
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My Funds are on the Retirement Plan Watch List. Now What?

Benjamin Smith, CFA 24 March, 2017
  A main source of concern for plan sponsors we work with and talk to is the quality of their investments within their retirement plan.  Retirement plan fiduciaries frequently express their lack of ...
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