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Benjamin Smith Host, Retirement Success in Maine Podcast & Financial Advisor

Ben's focus with our clients is to direct the investments of their investable portfolios. In teaming with Curtis Worcester and Austin Minor, Ben combines his investment expertise from attaining the CFA Charter with Curtis & Austin's financial planning expertise to provide clients with the tools, confidence, and education to make informed decisions about their Retirement. As Ben, Curtis, and Austin have a number of clients that are Northern Light Health employees, they've developed a specialty in serving clients in the healthcare field. You can read their "Employee Guide to the Northern Light Health Retirement Plans" here.

He has spent his entire career devoted to serving individual clients and institutions by developing and implementing investment strategies, setting portfolio structure, and providing the highest level of client service. He's passionate about helping clients maximize their savings and Retirement income using the many financial planning and portfolio management tools available to Guidance Point consultants. Prior to working for Guidance Point Advisors, 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 $300 million in client portfolios, including individuals, families, Retirement plans, endowments, foundations, businesses, and trusts; and he served on the Company’s Investment Committee.

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Using Disney Vacation Club To Live In Florida In The Winter Months In Retirement With Derek Deboer &Raquo; Retirement Success In Maine Podbean Image
Using Disney Vacation Club to Live in Florida in the Winter Months in Retirement with Derek DeBoer

Ep 097: When working with retirees, we often face the question - “Where do I want to live in Retirement?” This is something that we’ve discussed in previous episodes, but in this episode, we are…

Ep 097: When working…

Ep 097: When working with retirees, we often face the question - “Where do I want to live in Retirement?” This is something that we’ve discussed in previous episodes, but in this episode, we are taking a different angle. What if you could live in arguably the Happiest Place on Earth while in Retirement? Of course, we are talking about Disney! Is that even possible? On today’s episode, we discuss utilizing Disney Vacation Club (DVC) to accomplish just that!  We are joined by a Disney Vacation Club Expert who has spent more than 20 years working in the world of Disney and Disney Vacatio…

Listen · 1:18:33
The Guidance Point Advisors Culture Code &Raquo; Retirement Success In Maine Podbean Image
The Guidance Point Advisors Culture Code

Ep 096: We are back! After taking a little bit of a break here in 2024 we are excited to have a new episode to share. Our firm has been growing and as businesses grow, you resource up, and we've been …

Ep 096: We are back!…

Ep 096: We are back! After taking a little bit of a break here in 2024 we are excited to have a new episode to share. Our firm has been growing and as businesses grow, you resource up, and we've been just working on that a lot. Thank you to those who have just stayed with us and are tuning in again today after our little hiatus. We promise we're back. We’ve got some really great guests that we're lining up here. For today’s show, seeing as it's been a bit, one of the things that we want to talk about is that as we've been hiring people and as people hire us, we've been getting these questi…

Listen · 27:37
Can I Predict If I’ll Need Long-Term Care Insurance? With Lily Vittayarukskul &Raquo; Retirement Success In Maine Podbean Image
Can I Predict If I’ll Need Long-Term Care Insurance? with Lily Vittayarukskul

Ep 095: When we sit down with our clients, one of the greatest fears in Retirement is needing Long-Term Care services as we age. But our long-term care needs are often undefined. We don’t know how w…

Ep 095: When we sit …

Ep 095: When we sit down with our clients, one of the greatest fears in Retirement is needing Long-Term Care services as we age. But our long-term care needs are often undefined. We don’t know how we’ll age. Some of us do know a bit about how our immediate family has aged and what their experience with long-term care has been, but is that relevant for us? With our clients, we can roughly game plan whether our current Retirement assets and savings might be enough to support one or two people’s long-term care needs. But it’s certainly a guess and it only discusses the financial component…

Listen · 53:33
What To Do When Things Really Don’t Go As Planned With Michael Allison &Raquo; Retirement Success In Maine Podbean Image
What to Do When Things REALLY Don’t Go as Planned with Michael Allison

Ep 094: On today’s episode, we venture into a topic that all of us know one way or another, adversity. Throughout our lives, we spend countless hours planning for monumental life goals. We take time…

Ep 094: On today’s…

Ep 094: On today’s episode, we venture into a topic that all of us know one way or another, adversity. Throughout our lives, we spend countless hours planning for monumental life goals. We take time planning to carefully map out how we want our lives to play out. But, what happens when the things we strive towards for years, don’t happen at all? This emotional rollercoaster can be especially amplified when it comes to Retirement. We spend decades planning our Retirement and accumulating expectations, but then life throws us a curveball. Maybe we don’t have the money to carry out our plan…

Listen · 1:01:56
What’s The Future Of Real Estate In Maine And Nationally With Tom Miller, Cfa &Raquo; Retirement Success In Maine Podbean Image
What’s the Future of Real Estate in Maine and Nationally with Tom Miller, CFA

Ep 093: Maine offers a lot of unique opportunities for those looking to acquire real estate. Whether you're interested in growing your real estate portfolio, purchasing a rental property, or finding a…

Ep 093: Maine offers…

Ep 093: Maine offers a lot of unique opportunities for those looking to acquire real estate. Whether you're interested in growing your real estate portfolio, purchasing a rental property, or finding a second home to escape to, you've come to the right place. With more people working remotely, and Maine experiencing an influx of new residents, how is this trend effecting our real estate? For those who already own real estate in Maine, there can be questions regarding when to sell or how national trends will impact our region. On today's episode, we're going to unravel the strategies, challenges…

Listen · 49:20
Preserving Our Memories For Generations With Jim Gebhardt &Raquo; Retirement Success In Maine Podbean Image
Preserving Our Memories for Generations with Jim Gebhardt

Ep 092: We often hear that our clients are sifting through old pictures, VHS tapes, DVDs, YouTube videos, etc., and are looking for a way to keep their memories alive over time, but it all seems unorg…

Ep 092: We often hea…

Ep 092: We often hear that our clients are sifting through old pictures, VHS tapes, DVDs, YouTube videos, etc., and are looking for a way to keep their memories alive over time, but it all seems unorganized and not coordinated to the people we ultimately want to give these memories and their context to! Enter MyArkit, an online digital archival company preserving the legacy of loved ones and friends. As we live our lives digitally, we save memories to devices, clouds, or social media sites that may get lost due to faulty equipment or careless handling. We all have thousands of pictures and vid…

Listen · 32:15
Using Functional Fitness To Successfully Age In Our Homes With Doctor Lynn Anderson &Raquo; Retirement Success In Maine Podbean Image
Using Functional Fitness to Successfully Age in our Homes with Doctor Lynn Anderson

Ep 091: When we sit down with many of our clients, one of their greatest fears is not being able to stay in their homes for the duration of their Retirement. So, if that’s one of the biggest fears, …

Ep 091: When we sit …

Ep 091: When we sit down with many of our clients, one of their greatest fears is not being able to stay in their homes for the duration of their Retirement. So, if that’s one of the biggest fears, what are we doing about that to ensure we stay in our homes as long as possible? We can use our Retirement savings to make our homes more age-friendly, but are we investing in ourselves through diet and fitness to do activities to keep us Moving appropriately in our homes? That is exactly what this show is about, Using Functional Fitness to Successfully Age in our Homes! Our next guest, a Naturopa…

Listen · 43:13
Bringing Your Lifelong Invention Idea To Market With Stephen Key &Raquo; Retirement Success In Maine Podbean Image
Bringing Your Lifelong Invention Idea to Market with Stephen Key

Ep 090: One thing we know about retirees is that while they’ve left the workforce, they have many useful skills and want to find something to do that gives purpose and hopefully adds a few dollars t…

Ep 090: One thing we…

Ep 090: One thing we know about retirees is that while they’ve left the workforce, they have many useful skills and want to find something to do that gives purpose and hopefully adds a few dollars to their pocketbook. Almost everyone at one time or another comes up with a good idea or improvement for a consumer product. The problem is most people don't have a clue what to do with those ideas, or that they even can do something with them! So, how do we do this? That is exactly what this show is about, Bringing Your Lifelong Invention Idea to Market! Our next guest is an award-winning inventor…

Listen · 47:36
Reinventing Yourself In Your Retirement Years With Lee Gale Gruen &Raquo; Retirement Success In Maine Podbean Image
Reinventing Yourself in Your Retirement Years with Lee Gale Gruen

Ep 089: In our meetings with retirees, they sometimes express to us that they feel lost. What previously gave them purpose in their career was no longer there and they sometimes lack motivation to get…

Ep 089: In our meeti…

Ep 089: In our meetings with retirees, they sometimes express to us that they feel lost. What previously gave them purpose in their career was no longer there and they sometimes lack motivation to get up, get out of the house, and embrace life. Questions such as “who am I?”, “What should I do with my time?” and “What next?” occupy their thoughts. So how do we go about answering these questions and finding ourselves in this next chapter? How do we reinvent ourselves now that we have time to do so? That’s what this episode helps answer! Our next guest had a 37-year career as a prob…

Listen · 48:14
Focusing On Emotional Wellness To Fully Enjoy Our Lives With Benjy Sherer &Raquo; Retirement Success In Maine Podbean Image
Focusing on Emotional Wellness to Fully Enjoy Our Lives with Benjy Sherer

Ep 088: For this episode and we want you to think about the following. I’m nearing Retirement and I’ve been working a job or career for my ENTIRE LIFE that doesn’t allow me to be an expression o…

Ep 088: For this epi…

Ep 088: For this episode and we want you to think about the following. I’m nearing Retirement and I’ve been working a job or career for my ENTIRE LIFE that doesn’t allow me to be an expression of my true self. We all have family priorities and bills that need to be paid. There are many of us out there that might be in this situation. As a result of working a job that doesn’t provide our purpose and align with our true selves, we’ve had to stuff our emotions deep inside of us to match who our job or career needs us to present ourselves as. So, that is exactly what this show is about. …

Listen · 1:17:25
Organize Your Space To Unlock Your Life With C. Lee Cawley &Raquo; Retirement Success In Maine Podbean Image
Organize Your Space to Unlock Your Life with C. Lee Cawley

Retirement is a significant milestone in one's life, a time to embrace newfound freedom and embark on new adventures. However, along with this exciting phase comes the challenge of managing possession…

Retirement is a sign…

Retirement is a significant milestone in one's life, a time to embrace newfound freedom and embark on new adventures. However, along with this exciting phase comes the challenge of managing possessions accumulated over a lifetime, navigating smaller living spaces, and finding balance amidst a sea of sentimental items. On this podcast, we'll explore practical strategies, expert advice, and inspiring stories that will empower retirees, their families, and anyone interested in creating organized, peaceful living spaces. We'll discuss the unique needs and considerations of retirees when it comes t…

Listen · 55:30
How Overeating Was Cured By Climbing The Pleasure Ladder With Bracha Goetz &Raquo; Retirement Success In Maine Podbean Image
How Overeating was Cured by Climbing the Pleasure Ladder with Bracha Goetz

Ep 086: Retirement is a time for rediscovery and new patterns. But as we age, there may be times that we lead ourselves astray. Perhaps we’re more sedentary or find ourselves searching for purpose a…

Ep 086: Retirement i…

Ep 086: Retirement is a time for rediscovery and new patterns. But as we age, there may be times that we lead ourselves astray. Perhaps we’re more sedentary or find ourselves searching for purpose and meaning in our next chapter and turn to food for comfort. This might be especially true as we have more time to boredom eat. Thus, on various levels, we can begin to have an unhealthy relationship with food in Retirement. So, if you find yourself, a loved one, or a friend in a situation that brings you concern, we wanted to have a conversation about our relationship with food and defining what…

Listen · 53:53
Turning “Ok, Boomer” Into “Thank You, Boomer” With Marc Joseph &Raquo; Retirement Success In Maine Podbean Image
Turning “OK, Boomer” into “Thank you, Boomer” with Marc Joseph

Ep 085: We often deep dive into many Retirement topics including the opportunities and challenges that many of us face, but what about the people themselves that are retiring? If you zoom out and look…

Ep 085: We often dee…

Ep 085: We often deep dive into many Retirement topics including the opportunities and challenges that many of us face, but what about the people themselves that are retiring? If you zoom out and look at themes and shared experiences that shape their worldviews, what differs one generation from another? What about the Baby Boomer generation and what makes them unique from the previous generations that have gone through Retirement? Why do flippant statements such as “Ok, Boomer” come about and how do we turn that around? Why don’t we turn “OK, Boomer” into “Thank you, Boomer”?…

Listen · 42:44
An Interview With Artificial Intelligence - Can It Pass Our Retirement Test? &Raquo; Retirement Success In Maine Podbean Image
An Interview with Artificial Intelligence – Can it Pass Our Retirement Test?

Ep 084: It feels like in today’s news, all we hear about is artificial intelligence. It drives stock market returns for companies that are utilizing it in their services, it is helping functions suc…

Ep 084: It feels lik…

Ep 084: It feels like in today’s news, all we hear about is artificial intelligence. It drives stock market returns for companies that are utilizing it in their services, it is helping functions such as copywriting and various other workflow items. It can answer almost anything you ask of it by compiling information on the internet in a more direct and conversational answer. If we can ask things of an AI construct, we were thinking that maybe it would make for a fun episode of our podcast to ask Retirement questions and see what the responses are. With that, our episode today is, how can AI …

Listen · 1:03:35
9 Financial Tips For May 2023 From Financial Planners And Advisors &Raquo; Retirement Success In Maine Podbean Image
9 Financial Tips for May 2023 from Financial Planners and Advisors

Ep 083: Lately with our show, we've been going into a lot of purpose driven topics and naturally, our goal is to be tying money and purpose as part of our Practice, but also as a podcast theme here on…

Ep 083: Lately with …

Ep 083: Lately with our show, we've been going into a lot of purpose driven topics and naturally, our goal is to be tying money and purpose as part of our Practice, but also as a podcast theme here on The Retirement Success in Maine Podcast. Sometimes, we think that we need to lean back into the financial end on this show, and that's exactly what we are going to do on this episode! In this episode, you’ll hear from Austin, Ben, and Curtis, from Guidance Point Advisors, directly as they are going to share with you some of the top financial tips that they are providing in their financial plann…

Listen · 42:05
How Brain Cancer Taught Me To Not Live A Life Of Comfortable Complacency With Chris Gathers &Raquo; Retirement Success In Maine Podbean Image
How Brain Cancer Taught Me to NOT Live a Life of Comfortable Complacency with Chris Gathers

Ep 082: We all know that life can change in an instant. Picture yourself sitting through an MRI for 30-45 minutes, and as you’re being wheeled out, you catch a glimpse of the screen and you see a ma…

Ep 082: We all know …

Ep 082: We all know that life can change in an instant. Picture yourself sitting through an MRI for 30-45 minutes, and as you’re being wheeled out, you catch a glimpse of the screen and you see a mass, a white mass, and the doctor comes in and says, “We’re really glad you came in today.” Your heart sinks. The radiologist has confirmed that you have a tumor on your brain and it’s a 4-centimeter tumor. The sound of that diagnosis doesn’t come lightly to anyone’s ears. You start thinking about how would this news change how you spend your days. What would you say to your spouse, kid…

Listen · 1:03:31
Overcoming Limiting Beliefs In Retirement With Danielle Abbott &Raquo; Retirement Success In Maine Podbean Image
Overcoming Limiting Beliefs in Retirement with Danielle Abbott

Ep 081: We all have stories we have about ourselves as we age. Stories that tell us we’re too old for this or it’s too late for that. Our team of financial advisors hears this ALL the time. One th…

Ep 081: We all have …

Ep 081: We all have stories we have about ourselves as we age. Stories that tell us we’re too old for this or it’s too late for that. Our team of financial advisors hears this ALL the time. One thing we heard from Michelle Dickinson in a previous episode was her idea of a happiness scale. She talked with us about on a scale from 0 to 100, where 100 is the happiest you’ve ever been, how happy are you now? What sort of things would you like to do that would make you happier? We have asked these questions a few of them said “I’m too old to do that thing I’ve always wanted, it’s too …

Listen · 52:16
Managing Anxiety As We Age With David Prescott, Phd &Raquo; Retirement Success In Maine Podbean Image
Managing Anxiety As We Age with David Prescott, PhD

Ep 080: In our practice with our financial planning clients, we see signs of anxiety and untreated anxiety start to shrink our clients’ worlds. They start getting more anxious about traveling to oth…

Ep 080: In our pract…

Ep 080: In our practice with our financial planning clients, we see signs of anxiety and untreated anxiety start to shrink our clients’ worlds. They start getting more anxious about traveling to other parts of the world, they get anxious about social situations, or they stop going to the doctor because they might be anxious about hearing possible bad news. There are things that we can do to address our anxiety and help us manage our fears, whether logical or illogical. Today, we wanted to have a discussion about managing anxiety as we age. Our next guest attended Bowdoin College in Brunswick…

Listen · 57:54
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