Financial Advisor Patrick Ward

Patrick Ward

Financial Services For Federal Employees

Independent Financial Advisor

About Patrick



Patrick Ward is a financial advisor and licensed insurance professional with Benefit Planning, Inc. (BPI), in Cincinnati, Ohio.  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 2006. 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.


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.


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.


  • 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


When he’s away from the office, Patrick enjoys spending time with his wife Caroline and their young children Alex and Kate. The family enjoys taking vacations, relaxing in the backyard, making bonfires and going to grandpa and grandma’s house. They attend St. Columban Parish in Loveland, Ohio. Patrick is a Bengals and Reds fan.  

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Important Investing Information: Not all investments and services mentioned are available in all states. Money Concepts registered representatives are restricted to conduct business only with residents of a state and/or jurisdiction for which they are properly registered. When investing from outside of the United States, you are subject to the securities and tax regulations governing your jurisdiction. Contact us directly for detailed information about investment regulations outside of the United States. Registered Representatives State License Disclosure

Patrick Ward is an independent contractor of Money Concepts

note: Benefit Planning, Inc is an independent firm and not affiliated with Money Concepts

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