The DROP Plan Advantage®

The DROP Plan Advantage® process goes a step beyond the RetIRAprep® planning process (see RetIRAprep® tab), taking into account the additional planning requirements associated with DROP Plans. DROP Plan participants often retire with much larger supplemental dollar lump sums than does the average public employee. Invested wisely, this DROP Plan lump sum can provide lifestyle opportunities beyond the expectation of most public employees, and as such, requires enhanced planning attention, prior to and at retirement, coupled with continued focus on managing those sums subsequent to retirement. As specialists in DROP Plan retirement planning and account management, we design a plan around the specific needs of each individual participant. Similar to the RetIRAprep® planning process, DROP Plan Advantage® participants enjoy the benefits of a personalized, comprehensive financial plan designed to help meet the BIGGER FUTURE needs of the retiree.


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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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The BL Project