Most Public Safety employees have employer provided or sponsored supplemental investment programs. These supplemental investment programs include 457 Deferred Compensation, 401k and 403b/TSA programs. The PASS® program is a comprehensive asset allocation service that tailors your supplemental accounts to your particular risk tolerance, needs and retirement goals. The PASS® program also takes into account your Traditional & Roth IRA’s as well as spousal programs, if any.

The above mentioned employer based program allocations aren’t typically consolidated with the individual’s privately acquired investment accounts into an overall personalized financial plan. Additionally, the management styles, allocations and purposes of the various accounts often aren’t in alignment with the goals, desires and risk temperament of the owner. The public employee often ends up with a “collection” of disparate accounts which don’t work together in an effective manner toward reaching the owner’s investment goals. The PASS® program was developed to address these issues.

PASS® is a “fee - based” program which charges a flat fee for asset allocation advice or, in some cases, an asset management fee will be charged when utilizing 3rd party money manager services. The type of fee structure is determined by your individual investment objectives and investment program allocation parameters.

The PASS® program is holistic in nature. It is designed to review and allocate your accounts based on the most suitable investment options available in each plan and develops an investment strategy which incorporates the various employer provided or sponsored accounts as individual components of a comprehensive investment plan.


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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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