Who We Are

With over 30 years of experience in the retirement services industry, A.J. founded Guidance Point Retirement Services, LLC to provide truly unbiased retirement plan and investment consulting services.  A.J. has worked in nearly all aspects of the retirement services industry and has consulted on a wide range of retirement plan and investment topics across a number of different industry sectors.  His primary focus is business development and client consulting to provide comprehensive and integrated trustee, investment, actuarial, defined benefit, defined contribution, and non-qualified retirement plan solutions.

Experience

Guidance Point Retirement Services, LLC.
Acacia Associates, Inc.
Retirement System Group, Inc.
Invesmart
Walker Associates, Inc.

Education & Designations

University of Maine, B.S. ‘83
Accredited Investment Fiduciary® designation
FINRA Series 65 License

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.

Experience

Guidance Point Retirement Services & Guidance Point Advisors
Acadia Trust, N.A. / Camden National Corporation
Merrill Merchants Bank

Memberships

CFA Society of Maine

Education & Designations

University of Maine, B.S. ‘03
University of Maine, M.B.A. ‘04
Chartered Financial Analyst Designation

With over 25 years of experience in the retirement services industry, Debra has provided plan consulting and participant education services to tax-exempt, for-profit and government entities. She specializes in providing fiduciary and compliance support to plan sponsors through plan document and operational reviews. Debra’s goal is to provide clients with meaningful recommendations which result in significant improvements to a plan’s policies and procedures.

Memberships

American Society of Pension Professionals & Actuaries (ASPPA)
National Association of Plan Advisors (NAPA)
National Tax-deferred Savings Association (NTSA)

Experience

Guidance Point Retirement Services, LLC
DAL Pension, LLC
Pioneer Investments
Fidelity Investments
National Retirement Plan Services, Inc.
Colorado National Bank of Denver
Oppenheimer Shareholder Services, Inc.

Education & Designations

The American College, MSFS
Washington University in St. Louis, BSBA
Certified Pension Consultant (CPC), ASPPA
Qualified Pension Administrator (QPA), ASPPA
Chartered Retirement Planning Counselor (CRPC), College for Financial Planning
FINRA Series 65 License
 

Curtis serves as an Investment Consultant for Guidance Point Retirement Services, LLC. He focuses on individual investment advice, retirement plan support services, and participant education. Curtis has spent his career devoted to serving individual clients and institutions through the highest level of client service. He has extensive expertise in solving a wide array of client requests including investment guidance.

Additional responsibilities include providing redundancy to Chief Investment Officer and Investment consultants for client services, performing fee benchmarks on vendor contracts for retirement plans, interacting and advocating with plan custodians & recordkeepers, and assisting with trading for GPRS discretionary managed clients.

Experience

Guidance Point Retirement Services, LLC.
The Advertising Specialists of Maine

Northern Light Health

Education & Designations
Husson University, B.S.
Series 65 License