RetIRAprep® is a comprehensive planning service for public employees; both active and retired. The RetIRAprep® planning process employs the following modules:

  1. Your Bigger Future Mapping: This module identifies your current goals, dreams and aspirations. This is where most of the important work is done. It’s all about your life and your future. This is where the information is gathered for use in the analyses outlined in the steps below.
  2. Educational Needs Analysis: If you have children, grandchildren or other loved ones you want to help attend college, this module clarifies the costs and needs to make educational dreams and goals a reality. We identify innovative and efficient ways to cover these expenses.
  3. Capital Needs Analysis: This module identifies, reviews and quantifies your current employer provided and personal insurance benefits to determine current and future life insurance needs based on YOUR Bigger Future.
  4. Retirement Needs Analysis: This module determines whether or not you are on track to meet your Bigger Future objectives; whether or not you are on track to retire the way you want. It identifies the effective strategies available to attain your goals and dreams.
  5. Asset Allocation Analysis: This module examines your existing savings and investment accounts such as IRA’s, 401k, 457 Deferred Compensation, 403b, etc. We prepare a comprehensive asset allocation review taking into account your goals, objectives and risk tolerances. We ascertain whether or not your accounts are allocated in a manner which corresponds to your individual investment temperament.
  6. Long Term Care Analysis: Long Term Care planning is rapidly becoming an important component in any comprehensive financial plan. The identification of potential long term care needs requires a clear understanding of your current pension benefits and supplemental investment plans. In this module we review your long term care needs and then make recommendations based upon our findings.
  7. Estate Analysis: We perform a comprehensive analysis in order to provide the information necessary to begin the estate planning process for those identified as candidates. We will make referrals to qualified professionals upon request or we will work with your existing advisors.


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Contact Us

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