Customized personal financial planning, face to face service, a strong work ethic, responsibility, accountability: These are the principles and precepts by which Curt guides his business.

Innovative and creative, Curt’s passion is assisting individuals and families in developing unique financial plans tailored to work toward their goals. Curt and his team use his signature planning processes within the public employee marketplace such as the Los Angeles Firefighters Association and other public employee agencies. His planning processes include the following:

  • RetIRAprep®. A specialized planning process for the pre-retirement stage public employee.
  • The DROP PLAN Advantage®. A specialization of the RetIRAprep® process for DROP Plan participants.
  • PASS® Portfolio Allocation Strategy Service. A fee based program assisting participants in the personalized asset allocation of 457, 401k and 403b programs.
  • Association Investment AdvantEDGE®. A customized, balanced and compliant investment planning strategy specifically tailored to pooled association and union investment accounts.

Curt Howard

Curt, a long time specialist in financial planning and value creation within association groups and niche markets, has a Bachelor of Science in Finance and Banking and keeps up to date through extensive research, consulting with industry leaders and attending workshops, classes and seminars. He holds security license Series 6, 7, 63 (through LPL Financial) and 65 (through Integrity Wealth Advisors, life and disability variable insurance licenses. He is the owner and founder of Public Employees Retirement Centers of America (PERC).

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Curtis Howard

856 Richland Road
Suite C
Yuba City, CA 95991

Phone: 800.806.7959
Direct: 916.273.4640
Fax: 888.816.6408


CA Insurance License #0755623

Curtis W. Howard is a Registered Representative with, and securities offered through, LPL Financial, Member FINRA, SIPC. Investment Advice offered through Integrity Wealth Advisors, a registered investment advisor. Integrity Wealth Advisors and Public Employee Retirement Centers of America are separate entities from LPL Financial. The Registered Representative associated with this site may only discuss or transact securities business with residents of the following states: Investments products and services available only to residents of: • Alaska (AK) • Arkansas (AR) • Arizona (AZ) • California (CA) • Colorado (CO) • Idaho (ID) • Kansas (KS) • Michigan (MI) • Nevada (NV) • New Mexico (NM) • North Carolina (NC) • Ohio (OH) • Oregon (OR) • Washington (WA). We are licensed to sell insurance products in the following states of: • Arkansas (AK) • Arizona (AZ) • California (CA) • Colorado (CO) • Idaho (ID) • Kansas (KS) • Montana (MT) • Nevada (NV) • New Mexico (NM) • North Carolina (NC) • Ohio (OH) • Oregon (OR) • South Dakota (SD) • Utah (UT) • Virginia (VA) • Washington (WA). CA Insurance License #0755623

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