I have used the pd2skills.com website in order to spec out the requirements for this achievement. Payday 2 as of this writing requires you be at a minimum level 42 to get this achievement to have ten points in all 5 skill trees (previously there was only 4 trees, which meant you could get this as a lower level). However having a higher level allows you to be more sloppy in how you allocate and still get the achievement.
I highly recommend you buy and switch into a new skillset, which would up your skill requirement to level 50. This means you won't have to remember how you have previously set out your first skill set due to the lack of need of respecing your first skillset.
Each skill tree has three paths and therefore you need to split 10 points across each. One path should have one point, one path should have 6 points, and one should have three points. This point allocation has to apply to Mastermind, Enforcer, Technician, Ghost and Fugitive.
Example:
http://pd2skills.com/#/v3/mfiklpr:efiklpr:tcefklr:gfiklqr:ff...::