Forum:How to distribute skill points

I was curious what the best way is to distribute skill points and the affect they have. When guild or festival battling how should you plan for that. Does your attack counter their defense. I am currently a level 310 with 580 attack. I feel I lose to people that are lower levels and worse equipment. Is their defense so high that my attack is unless, or do I need to focus on something else. Anyone have a decent formula to share?