Here's the builds that I have planned for my chars (with 100 levels, and all bonus points added in, for an estimated total of 127 points per char):
Serai - Combat Mage (Lightning)
Brilliance 19 (+1 point from Elf race)
Devastation 20
Debilitation 20
Amplified Lightning 20
Quickened Casting 14
Arcane Fury 14
Arcing 20
Lothar - Fighter (Sword & Shield)
Fortitude 18 (+2 points from Half-Giant race)
Critical Strike 20
Barricade 20
Toughness 20
Reinforced Armor 20
Rebuke 9
Deadly Strike 20
Deru - Ranger (Bows & Crossbows)
Critical Shot 20
Dodge 19 (+1 point from Dryad race)
Biting Arrow 20
Survival 20
Far Shot 8
Shockwave 15
Penetrate 5
Mortal Wound 20
Taar - Nature Mage (Ice, Buffing, & Healing)
Natural Bond 19 (+1 point from Dryad race)
Aquatic Affinity 20
Enveloping Embrace 14
Arctic Mastery 20
Feral Wrath 14
Nurturing Gift 20
Freezing 20
When I get access to Ressa and Yoren (I'm playing with Broken World), I will probably add them to my party so that I can have a Fist of Stone and a Blood Assassin as well.
So far, I'm level 36 and my party is kicking serious tail.
Stormcaller