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The Ready.Set.Retire! Blog

Benjamin Smith, CFA

Recent Posts

The Top 5 Things to know about your Frozen PTO Deferral Opportunity with Northern Light Health

Benjamin Smith, CFA

Did you get a letter from the Northern Light Health Retirement Team regarding your Frozen Personal Time Off (PTO)? Well, quite a few of our clients did, too. We’ve been working with them over the...

Estate planning for your digital assets

Benjamin Smith, CFA

 What will happen to your Facebook account when you die? What about all your photos shared on social media, your texts with loved ones, or documents on cloud-storage systems? In just the two-year...

Getting to the Bottom of Inherited IRAs

Benjamin Smith, CFA

Naming a beneficiary for your traditional Individual Retirement Account (IRA) need not be a difficult task. Most people choose their spouse, if married, or another loved one. However, the rules...

Choosing Your Pension Payout Option

Benjamin Smith, CFA

Many couples may find themselves confronted with a dilemma as retirement nears. If you plan to receive your pension payout on a monthly basis (rather than in a lump sum), you must decide whether...

Top 4 Reasons Why You  Should Accept a Company Buyout Offer

Benjamin Smith, CFA

Many companies offer employees a buyout package to encourage them to leave the company. This is generally done to encourage voluntary departures when the organization is looking to reduce...

Why Trying To Time The Market Is Dumb

Benjamin Smith, CFA

Market timing is a “strategy” of deciding when to buy and sell stocks by attempting to predict which way and when stocks will move. Let’s look at an example and the data to determine why market...

Our Favorite Estate Planners in Bangor Maine (Reviews/Ratings)

Benjamin Smith, CFA

 

Estate planning is not something to which most people look forward because it’s associated with mortality, but it’s important to think of the next generation. As Financial Advisors at Guidance...

The Best Accountants in Bangor, Maine (In Our Opinion)*

Benjamin Smith, CFA

 

Tax planning and getting sound tax advice is not usually a high priority for many of us, especially when there is an H&R Block around every corner or software solution easily available.  As...

How To Find a Financial Planner in Bangor Maine

Benjamin Smith, CFA

 

Are you considering hiring a financial advisor in Bangor, but you don’t know how to get started?  There are so many things to consider when hiring a financial advisor, but let’s start with the...

Who Are The Best Financial Advisors in Bangor, Maine? (In Our Opinion)*

Benjamin Smith, CFA

Each year, we at Guidance Point Advisors meet with well over 100 households in the  Bangor, Maine area with respect to their Financial Planning and Investment needs.  Because so many folks know...