Level 53 – 3 SP into Power Guard
Level 54 – 3 SP into Power Guard
Level 55 – 3 SP into Power Guard
Level 56 – 3 SP into Power Guard
Level 57 – 3 SP into Power Guard
Level 58 – 3 SP into Power Guard
Level 59 – 3 SP into Power Guard (Power Guard maxed)

The creatures you now face have relatively high damage, so it’s the perfect time to master power guard.

Level 60 – 3 SP into Threaten
Level 61 – 3 SP into Threaten
Level 62 – 3 SP into Threaten
Level 63 – 3 SP into Threaten
Level 64 – 3 SP into Threaten
Level 65 – 2 SP into Threaten, 1 on Sword or Mace Booster

According to my friends in CMS, Threaten is translated wrongly. It is not minus 20 weapon defense and attack of the creature, it is minus 20%. This makes threaten a good skill indeed.
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Level 66 – 3 SP into Sword or Mace Booster
Level 67 – 3 SP into Sword or Mace Booster
Level 68 – 3 SP into Sword or Mace Booster
Level 69 – 3 SP into Sword or Mace Booster
Level 70 – 1 SP into Sword or Mace Booster (Booster maxed), 1 SP into Sword or Mace mastery, 1 SP into Improving HP Recovery

Actually the last SP you can put anywhere you like, not important at all =D

Final SP allocation = 20 Sword or Mace Mastery, 30 Final Attack: Sword or Mace, 20 Sword or Mace Booster, 30 Power Guard, 20 Threaten, 1 SP into Improving HP Recovery to make it 12.

From level 70 to 120 - training ground

I will only give the training grounds available in Victoria and Ossyria, as these are the 2 maps available to me till I quit CMS.

70 to 75 - trees of undead, cursed sanctuary 2, icy cold field, ice valley 1
75 to 80 - trees of undead, cursed sanctuary 2, icy cold field, ice valley 1 & 2
80 to 85 – ice valley 2, cerebus, lucida, werewolf, lycanthrope
85 to 90 - ice valley 2, cerebus, lucida, werewolf, lycanthrope, dark yeti & pepe
90-120 - dark yeti & pepe, bain

From level 70 to 120 – AP build for all 3 classes

No more adding of AP to DEX, keep your dex at 50-80 depending on how good is your dex equipments. Accuracy should be capped at about 120 to 130.

From level 70 to 120 – SP build for Crusader