If you are working in a vector/illustration program (Adobe Illustrator, Corel Draw) or a raster/photo editing program (Such as Adobe Photoshop or Corel Photo-Paint), we recommend that you create your document at the full bleed size. Creating the document at full bleed size will prevent any white edges from showing at the borders after the final product is trimmed.
If you are working in a layout program (QuarkXPress or Adobe InDesign) we recommend that you create your document at the trim size and include the specified amount of bleed for your product (.125”). When exporting the finished file as a Press Ready .PDF be sure to include bleed in your output settings.