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Estate planning from Murrieta, California
Protect the people and property you love.
Pacific Security Financial helps families create revocable living trusts, wills, and supporting documents through personal appointments, practical guidance, and attorney review tailored to each engagement.
Start here
Tell us what you need.
Complete this short questionnaire and Jonah will follow up using your preferred contact method.
Please do not include Social Security numbers, account details, medical information, or documents in this form.
A clear process
Five clear steps from first conversation to follow-through.
We explain what happens next, keep the paperwork manageable, and meet with you personally.
Confirm the plan
Review the service, fee, attorney, and information needed.
Prepare documents
We prepare and review the right documents with you.
Sign and notarize
We coordinate signing, witnesses, and notarization.
Fund and maintain
We explain funding and when to review your plan again.
Revocable living trusts
What it is, why you need one, and how PSF is different.
A revocable living trust is not just a binder of papers. It is a plan for who can manage your assets, how property transfers to your beneficiaries, and how your family avoids unnecessary court delays.
What is a revocable living trust?
A trust you create and control during your lifetime.
A revocable living trust is an estate-planning tool that can hold title to your property and assets while you are alive. Because it is revocable, you can change or revoke it during your lifetime.
You remain in control while you are able. If you pass away or become incapacitated, your named successor trustee can step in under the terms of the trust.
01
Why you need one
Assets owned by the trust may pass to named beneficiaries without the delay, cost, and public process of probate.
02
What it protects
Your plan can name who handles financial decisions, healthcare choices, property transfers, and trust assets if you cannot act.
03
Why a will alone is not enough
A will can still require probate. A properly funded trust is designed to keep more of the process private, organized, and easier for your family.
How PSF differs
More protection, less running around.
Meet with us at our Murrieta office for personal guidance as we help you build, use, and maintain your estate plan.
Trusts in all 50 states
We write trusts nationwide and stay with you when you move, with state-specific attorney review when required.
We write your trust
We prepare your trust around your family, property, and goals instead of selling you a generic state form.
Medicaid estate recovery planning
We help structure your plan to protect qualifying property from Medicaid estate recovery, subject to state law and eligibility rules.
Keep property out of probate
A properly funded trust is designed to transfer covered property without the delay, cost, and public process of probate.
Trusted benefit connections
We connect families with help for veteran benefits and prepaid funeral planning when those services are needed.
Emergency trusts
For urgent situations, we offer quick-turnaround trust preparation and help coordinate attorney review and signing. Call our office to discuss your deadline and confirm availability.
Team
A team built around clear guidance.
Head Attorney
Ed Pernal, Jr.
California Bar No. 172005
Leads legal review and trust-document guidance for PSF clients.
Background
Ed has focused on trusts and estates since earning his law degree from the University of San Diego in 1994. A San Clemente resident for more than 30 years, he spent nearly two decades with Estes & Estes before opening his own local office serving San Clemente, Dana Point, and Capistrano Beach. He also holds degrees from The Ohio State University and Webster University and served as Executive Editor of the San Diego Law Review.
A former Marine aviator and retired lieutenant colonel in the Marine Corps Reserve, Ed was also a commercial airline pilot. He has created thousands of estate plans, administered hundreds of trusts, and handled probate and conservatorship matters. Ed is an active member of the California and Orange County Bar Associations and a State Bar-designated continuing legal education provider in Trusts and Estates.
Tracy Smith
Helps prepare client information and trust appointment details. Call 951-956-4131.
Lesly DeAngelo
Washington office. Call Lesly at 360-775-7144.
Client Services
Jonah Breipohl
Helps clients stay organized before, during, and after their trust appointment. Contact PSF at 951-535-9525.
Curt
Helps clients explore veteran benefits and organize related information for their planning conversations.
Tom and Robin Bloom
Pre-Need Professionals is a separate business that PSF works alongside and may recommend for funeral, cremation, and veteran burial planning. It is not part of Pacific Security Financial. Call 951-757-7076.
View Pre-Need pageScope of support
Underwriters cannot provide legal advice.
Please direct all legal questions to Pacific Security Financial's Head Attorney, Ed Pernal, Jr.
Everything included
Your trust package is grouped by purpose.
Each document has a job. The trust controls titled assets, the will catches anything left outside the trust, funding documents help move property into the trust, and powers of attorney name who can act if you cannot.
Core trust documents
The documents that create the plan and explain who has authority.
- Revocable Living Trust
- Certification of Revocable Living Trust
- Last Will and Testament / Pour-Over Will
- State-appropriate marital or community-property documents, where applicable
Funding instructions
Tools that help transfer property into the trust so the plan can work as intended.
- Comprehensive Transfer Agreement
- Real property deed guidance
- Deed and real-property coordination where appropriate
- Notary coordination
Decision-making documents
Authority documents for financial, medical, and privacy decisions if you are unable to act.
- Financial Durable Power of Attorney
- Health care power of attorney or proxy, as applicable
- Advance health care directive, where applicable
- Health-information authorization
Care planning
Supporting documents and reviews that keep the plan useful when health, family, or property changes.
- Intent to Return / Catastrophic Illness planning
- Healthcare agent instructions
- Beneficiary and successor trustee review
- Revision review when your plan needs updates
After signing
Your trust still needs a few practical steps.
Signing the documents is a major milestone. Funding, recording, storage, and periodic review help the plan work the way it was designed to work.
Post-signing priority
Make sure the trust can actually control the right assets.
A trust generally controls assets that are titled in the name of the trust, transferred to the trust, or coordinated with the trust through beneficiary designations. PSF helps clients understand the follow-through so signed documents become a usable plan.
Fund the trust
Review real estate, bank accounts, brokerage accounts, non-qualified annuities, and business interests. Retitle or transfer assets when appropriate, and open or update trust accounts with your financial institution when needed.
Record real-property deeds
If a deed is part of your funding plan, record the signed and notarized deed with the proper county recorder. Confirm current fees, document requirements, and office hours before visiting, then keep the recorded copy with your estate-planning records.
Coordinate beneficiaries
Assets such as life insurance, retirement accounts, annuities, and transfer-on-death or payable-on-death accounts may pass by beneficiary designation. Review them so they support the trust plan instead of working against it.
Store documents where they can be found
Keep original signed documents in a secure, accessible place. Tell your successor trustee where the documents are located and how to contact PSF, your attorney, or your advisor if help is needed.
Maintain an asset list
Keep a current list of bank accounts, investments, real estate, insurance policies, debts, and other significant assets. Store account access information separately and securely.
Review the plan as life changes
Revisit your plan after marriage, divorce, birth, adoption, death of a beneficiary or trustee, major asset changes, moves to another state, law changes, or changes to healthcare and organ-donation wishes.
After recording a deed
Do not assume every payment notice is a required county bill.
You may receive the recorded deed and a separate solicitation for a property-transfer or deed-copy service. Before sending payment for any unfamiliar notice, confirm it with PSF or the recorder's office.
Murrieta, California
Local service with serious follow-through.
Based in Murrieta, PSF meets clients by appointment and stays focused on what happens after the documents are signed—not just the paperwork on signing day.
29970 Technology Dr., Suite #213Murrieta, CA 92563