Patrick Ward is a financial advisor with Money Concepts Capital Corp. and licensed insurance professional with Benefit Planning, Inc. (BPI), in Cincinnati, Ohio.  Since 2006, he has been with BPI, an organization that specializes in federal benefit planning for Civil Service Retirement System (CSRS) and Federal Employee Retirement System (FERS) employees. Since joining BPI, Patrick has committed himself to educating and training federal employees to assist them in understanding their federal benefits and retirement systems.  He has a full understanding of the various areas that affect the decisions and plans for federal employees in their working and retirement futures.

HISTORY

A Cincinnati native, Patrick graduated from Kent State University and earned his Bachelor of Business Administration degree in Business Management in 2005. Shortly thereafter, he earned his securities license and began advising clients. Over the years, Patrick has developed an in-depth understanding of the federal benefits system, including Thrift Saving Plan (TSP), Social Security Benefits, Federal Employee Group Life Insurance (FEGLI), CSRS/FERS Annuity calculations, CSRS/FERS Survivor Benefits, sick leave calculations, military buy backs, CSRS Voluntary Contributions and deposits and re-deposits.

Patrick looks at each client’s unique situation and goals when helping them determine the most appropriate course of action. He places an emphasis on educating his clients so that they fully understand all of their options despite the complexities of the federal market. In doing so, he advises them on how to get the most from their federal retirement by maximizing every possible avenue. He carefully provides guidance on matters such as when they should start collecting their pension and when to apply for Social Security.

FEDERAL MARKET

Patrick provides educational seminars and training sessions to various government agencies in multiple states across the country. These agencies include the U.S. Department of Justice, Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Internal Revenue Service (IRS), U.S. Postal Inspection Service, U.S. Department of Agriculture (USDA), Federal Bureau of Investigation (FBI), Department of Energy (DOE), Transportation Security Administration (TSA) and many other federal agencies.

LICENSES HELD

• Series 6- Investment Company Products/Variable Contracts Representative Examination
• Series 63- Uniform Securities Agent State Law Examination
• Series 65- Uniform Investment Adviser Law Examination
• Securities Licensed in OH, KY, IN, IL, FL, GA, MI, MN, OK, SC, TX
• Variable Life and Health Licensed in OH

Check the background of this investment professional on FINRA’s BrokerCheck.