Since 1998, I have worked in the stock markets as a technologist, client service manager and corporate strategist. I have witnessed the downfall of major institutions and rode through the stock market's high and lows.


    Despite the turbulence of the past 19 years, I love my job. One thing that excites me about financial markets is that every few years the world as we know it transforms and everything we think we know just ain't so. In certain instances, some stocks may be less risky than some bonds. Surprisingly, some technology companies may be a better source of dividends than some industrial companies (however, dividends are not guaranteed).


    Companies are changing and the financial products sold to investors are changing as well. Every year, there are new investment products and strategies that could potentially help or harm the consumer if they are not fully informed. There is no way around it, investing involves risk, including loss of principal.




    At the heart of companies is innovation, but this innovation is constrained by outdated thinking. Traditionally, stock prices reflect management’s ability to create value for shareholders, but, in my view, eventually companies will likely be valued for their impact on the larger society. This is modern capital.


    Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.


    Modern Capital Concepts is a Benefit-Corporation. Its mission is to empower working families, professionals, retirees, non-profits and small businesses to build their wealth and pursue their goals through financial education and coaching. We strengthen our community by sponsoring financial clinics to low-income residents and donating a portion of profits to community organizations.


    I am a CERTIFIED FINANCIAL PLANNER™ and Certified Divorce Financial Analyst®. I solve personal problems through the lens of finances. My clients are individuals, families, and small business owners who need advice on budgeting, saving, getting out of debt, and balancing saving for retirement with saving for their children's education. I advise clients going through divorce on the short and long-term implications of financial settlements. I also enable individuals and families to make the transition to retirement and provide strategies that work to generate income for retirees. For non-profits, I provide financial education seminars and one-on-one consults for employees.



    Clients pay for financial planning and investment advisory service through an asset-based fee, but hourly fees and quarterly fees are also possible. The range of annual costs to clients is typically $775 to $20,000. For asset-based fee clients, this is paid out of the value of holdings.


    My costs are transparent to clients and I work with all clients to make sure their costs are appropriate for their current situation and long-term goals.




    Offered only once a year. Khloe will stay after each seminar to answer individuals' financial planning questions.


    Khloe is delivering three seminars in April 2017 as part of Money Smart Week. These cover the basics of investing in stocks and bonds, financial planning at every life stage and socially responsible investing. Cost is free, but you must register for each event separately at the Federal Reserve's Money Smart Week website:


    Life Planning 101 http://bit.ly/2nsvC4F

    Investing 101 http://bit.ly/2nhlVFE

    Socially Responsible Investing http://bit.ly/2mVnWUC




    For clients outside of Illinois, we meet via Skype. I travel often to the east and west coasts for conferences and client appointments.

    Check out my credentials.



    The best way to get to know me is to call me.






    Email me to schedule an appointment.







    Check out my upcoming speaking engagements and current thinking



    Read our Annual Benefit Report to learn how we make an impact.


    Do you possess top-notch analytical skills, but lead with your heart? Modern Capital Concepts is searching for talent with whom to partner, mentor and hire. You should possess at minimum an undergraduate degree from a top ten school, passed the CERTIFIED FINANCIAL PLANNER exam and have leadership experience. The job will be tailored to the individual hired.


    Benefits of working for Modern Capital Concepts are competitive salary with generous health insurance, retirement and vacation benefits.


    Khloé U. Karova holds the Series 7 with LPL Financial and 66 license with LPL and Modern Capital Concepts. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Illinois, Indiana, California, Colorado, Kentucky, Massachusetts, Nevada, North Carolina, New Jersey, New York, Oregon, Texas, and Virginia


    Financial planning offered through Modern Capital Concepts, Inc. a Registered Investment Advisor in the states of Illinois and Texas and separate entity from LPL Financial.


    Securities and advisory services are offered through LPL Financial, a Registered Investment Advisor, member FINRA /SIPC.


    Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.