Educational Videos 

Estate Planning:

Safety Pensions:

Community Property

  • The Importance of a Living Trust
  • What Is in Your BCN Trust Portfolio
  • How and When to Update Your Trust
  • Successor Trustee Duties After Death of Settlors
  • Community Property Vs. Separate Property
  • The Difference Between an A & AB Trust
  • Types of Distributions
  • Special Needs Provision

Main Trust Document

Certification of Trust

Schedule of Assets

Power of Attorney for Health

Advanced Healthcare Directive

Power of Attorney for Finance

PERS Special Power of Attorney

Last Will & Testament / Pour-Over Will

Schedule of Assets

Specific Gifts

Grantors / Settlors

Trustees

Successor Trustees

Beneficiaries

Excluded Beneficiaries

Healthcare Agents

Guardians Ad Litem

  • Industrial Disability Retirement (IDR)

  • Non-Industrial Disability Retirement

  • Job-Related Death – Special Death Benefit

  • Job-Related Death – Option 2W Benefit

  • Job-Related Death – Group Term Life Insurance

  • Non-Job-Related Death – Option 2W Benefit

  • Non-Job-Related Death – Return of Contributions + Interest

  • $5,000 Lump-Sum Death Benefit

  • 1959 Survivor Monthly Benefit (if not covered by Social Security)

  • Spouse/Domestic Partner, Minor Children, Dependent Parents

  • Redeposit of Withdrawn Contributions

  • Military Service Credit

  • Service Credit Purchase for Prior Public Agency Work

  • Conversion of Prior Local/State Misc Service to Safety

  • Service Credit for Leave Without Pay (LWOP)

  • Vesting Service (5 Years Rule)

  • Public agency-to-Public agency reciprocity

  • CalPERS ↔ ‘37 Act county systems

  • CalPERS ↔ CalSTRS / JRS / UCRP

  • Lock-in of highest final comp across reciprocal systems

  • What is community property?

  • How it applies to CalPERS Safety members

  • What is and isn’t divided

  • The impact of marriage timing and service dates

  • What triggers a community property hold

  • Why you can’t retire, refund, or change options during a divorce

  • How to remove a hold

  • What CalPERS needs to release benefits

  • What a DRO/QDRO does

  • How to get one approved

  • What happens if you die before it’s finalized

  • CalPERS model language vs. custom legal drafting

  • Time Rule Formula explained with simple math

  • Segregated accounts: what they are, and when they apply

  • Key differences in future COLAs, retirement timing, and flexibility

  • Which one might be better for each party

  • When you need your ex’s consent

  • Restrictions on Option 1, 2, 3, or 4

  • Impact on survivor benefits and monthly income

  • How payments to each spouse are taxed

  • Who can name a new beneficiary?

  • Long-term effects of a split account

BCN Financial Inc.

Registered Investment Advisor in California

Office: 510-876-1088
Fax: 510-769-8980
Email: [email protected]

Business Address
3215 Encinal Ave, Suite L,
Alameda CA 94501

Mailing Address
909 Marina Village Pkwy, PMB 245,
Alameda, CA, 94501

Securities provided through:

LPL Financial, LLC.

4707 Executive Drive
San Diego, CA 92121

San Diego: 800-558-7567

Get in Touch