SBCERA Cover Story

America’s pastime is set to begin its 117th season. For avid baseball fans, opening day for Major League Baseball is a nostalgic sign that spring is upon us. Green grass and perfectly kept fields, sunny skies, and of course, peanuts and Cracker Jack, are welcome reminders that a new season has arrived.

Among the game’s many indelible features, the seventh-inning stretch is a special and important milestone. In the middle of the seventh inning, each baseball game takes a fifteen-minute break to allow fans to stretch their legs and join in a chorus of “Take Me Out to the Ballgame.” The seventh-inning stretch gives fans the opportunity to re-energize, gather their thoughts and organize themselves for an exciting finish.

With this in mind, SBCERA encourages members in the mid-career season of life to take a seventh-inning stretch of sorts, and consider the following resources to successfully finish the game and enjoy your future retirement.

Take me out to the ballgame, take me out to the crowd
Join your colleagues and attend a Mid-Career Seminar or a Coffee Break webinar. The seminars cover a variety of SBCERA retirement topics, and often include presentations from Voya as well as the County of San Bernardino Employee Benefits & Services Division (EBSD). The webinars are short presentations on a specific SBCERA retirement topic. To view the schedule and register for a Mid-Career Seminar or Coffee Break webinar, sign-in to your MemberDirect account or visit www.SBCERA.org/Seminars.

Buy me some peanuts and Cracker Jack
You may be eligible to purchase additional service credit to enhance your future benefit and/or bring you closer to vesting and retirement eligibility. To learn about eligible service credit purchases and payment options, visit www.SBCERA.org/ServiceCreditPurchase or send an email to ServicePurchase@SBCERA.org.

I don’t care if I never get back (but you may wish to consider…)
If you were previously a member of another California-based public retirement system, or at any point in the future consider leaving your job to work for another public sector employer, you may wish to inquire about reciprocity, which is the linking together of multiple California-based public retirement systems. Through reciprocity, your service credit under one system may count towards vesting and retirement eligibility in the next, and your final average compensation may count for both systems, thus allowing you to preserve the totality of your retirement benefits as you change employers. To learn more about how reciprocity works, eligibility requirements and reciprocal systems, visit www.SBCERA.org/Reciprocity.

Let me root, root, root for the home team. If they don’t win, it’s a shame
At SBCERA, we are wholeheartedly rooting for you! We aim to successfully guide you into retirement by providing accurate and thorough retirement information, and once retired, you can count on SBCERA to provide a consistent, dependable lifetime monthly benefit. To schedule an appointment with one of our Retirement Specialists, contact us at (909) 885-7980, toll free at (877) 722-3721, or email to MemberServices@SBCERA.org.

For it’s one, two, five years you’re out at the old ball game!
As you transition out of the mid-career stage, we encourage you to begin accessing our pre-retirement resources when you are within five years of retirement. This involves more detailed planning and document gathering, among other items.

You can visit www.SBCERA.org/Checklist to view our Pre-Retirement Planning Checklist.

Taking some time to consider these mid-career resources can help you solidify your retirement plans and may even help maximize your future benefit. Play ball.