Best plan of action for lower face/neck lift?

A neck lift only improves the area below the jawline, while a lower facelift usually includes some of the neck and jowls. When there is an issue higher up in the cheeks as you appear to have a bit of, then a full lift can give a more balanced result.

I would recommend a facelift for you and this would tighten the area of your neck and your lower face.  The results of a facelift could last several years but sometimes a second procedure may be needed after this time to maintain the appearance.