Benjamin J. Smith

GUIDANCE POINT RETIREMENT SERVICES

BANGOR, ME 04401

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CRD#: 6027765

Professional summary

Benjamin James Smith, who also goes by Smith James Benjamin, is a registered financial advisor currently at GUIDANCE POINT RETIREMENT SERVICES, LLC located in Bangor, Maine and GUIDANCE POINT ADVISORS, LLC located in Bangor, Maine.

Benjamin is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2012. Benjamin has worked at 2 firms .

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Smith James Benjamin

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Benjamin James Smith's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

April 4, 2012 - Present

GUIDANCE POINT RETIREMENT SERVICES, LLC

Office #1: 108 State Street, Bangor, ME 04401

RIA

CRD#: 161000

BANGOR, ME

Current

May 25, 2012 - Present

GUIDANCE POINT ADVISORS, LLC

Office #1: 108 State Street, Bangor, ME 04401

RIA

CRD#: 148768

BANGOR, ME

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

GUIDANCE POINT ADVISORS, LLC

CRD#: 148768 / SEC#: 801-77258

RIA

Registered Investment Advisory firm - (10/16/2012 Approved)

Maine

Registered Investment Advisory firm - (11/5/2012 Terminated)

Massachusetts

Registered Investment Advisory firm - (10/25/2012 Terminated)

New York

Registered Investment Advisory firm - (10/23/2012 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Maine
(4/4/2012)

IAR

Texas
(11/2/2016)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

Current Firm

GUIDANCE POINT ADVISORS, LLC

CRD#: 148768 / SEC#: 801-77258

RIA

Registered Investment Advisory firm - (10/16/2012 Approved)

Maine

Registered Investment Advisory firm - (11/5/2012 Terminated)

Massachusetts

Registered Investment Advisory firm - (10/25/2012 Terminated)

New York

Registered Investment Advisory firm - (10/23/2012 Terminated)

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Contact information

Main Address

Wellesley, MA

Mailing Address

Phone number

(617) 869-6653

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (8 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A (2/11/2025)

Regulatory assets under management

Total Number of Accounts	680
AUM (Assets Under Management)	$ 492,368,300

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Benjamin J. Smith

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Benjamin James Smith's CRS (Customer Relationship Summary).

Certified licenses

Experience

GUIDANCE POINT RETIREMENT SERVICES, LLC

GUIDANCE POINT ADVISORS, LLC

Primary Firm SEC Registration

GUIDANCE POINT ADVISORS, LLC

State Registrations and Notice Filings

Exams

Current Firm

GUIDANCE POINT ADVISORS, LLC

Contact information

SEC notice filing (8 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

GUIDANCE POINT ADVISORS, LLC

TRUST BUT VERIFY

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