What is Modern Capital Concepts?
Modern Capital Concepts, Inc. is a boutique financialplanning and investment management firm. Modern Capital Concepts was founded in
2013 by Khloé U. Karova and is one of the first BenefitCorporations (B-Corps) in Illinois. We serve individual investors and small
businesses.
What services does Modern Capital Concepts provide?
We provide financial planning and investment management toindividuals and small businesses. We also offer financial education and
consulting.
Who does Modern Capital Concepts work with?
We work with people at different life stages. We work withearly-career professionals, mid-career individuals, established investors,
retirees and small-business owners. Our clients are everywhere.
Do you work with first-time investors?
Yes. We work with investors who are just getting started. Wehelp clients build knowledge and make informed financial decisions.
What makes your firm different?
We are holistic and take time to understand each client’sgoals, risk preferences, time horizon, and context under which there are making
financial decisions. We do our own research and activeportfolio management. We also consider client values when building portfolios.
Is Modern Capital Concepts a fiduciary?
Modern Capital Concepts follows a fiduciary standard whenproviding advisory services, including asset management. This means the firm is
legally obligated to act in the client’s best interest for those services.
What can financial planning help me with?
Financial planning services include saving and investing forretirement, retirement income planning, investment education, managing
inheritances, stock option planning, college planning,financial planning for new couples, divorce financial analysis, estate and
income tax planning, and consulting around starting and exiting a businesses.
Can I get financial planning without moving my accounts overto you?
Yes. We offer hourly consulting for clients who wantplanning advice and prefer to manage their own assets.
How does hourly financial planning work?
Hourly consulting is billed at $500 per hour or 15-minuteincrements. There is no ongoing commitment.
Can you advise me on my 401(k)?
Yes. We can provide asset-allocation and savings guidancefor workplace retirement accounts that cannot be transferred.
Investment Management
How do you build an investment portfolio?
We begin by learning about your goals, risk preferences, andinvestment timeline. We then design a portfolio that reflects your financial
needs and values.
Do you actively manage investments?
Yes. We use active management. We review economic conditions,company earnings, research, and portfolio positioning on an ongoing
basis.
What is your investment process?
Our process combines macroeconomic research, companyanalysis, sector research, and global market analysis. We use this research to
evaluate portfolio rebalancing and buy, hold, or selldecisions.
Do you offer ESG or socially responsible investing?
Yes. We have designed ESG portfolios since 2013. ESG factorsare part of our fundamental research process.
Can my portfolio reflect my personal values?
Yes. We can build portfolios around client preferences suchas ESG. For example, a client may choose to avoid certain industries.
Do you invest internationally?
We evaluate opportunities and risks across the UnitedStates, Europe, Asia, and emerging markets. International investing decisions
depend on portfolio needs and market conditions.
Do you use AI in your research process?
Yes. We use technology and AI tools to improve researchefficiency and help visualize investment theses. Our advisors make the
investment decisions based on client goals, time horizon andrisk tolerance among other factors.
How do I pay for your services?
We offer two primary fee structures: hourly consulting andasset-based investment management. The right option depends on the services and
level of implementation support you want.
What is an asset-based fee?
An asset-based fee is charged as a percentage of assetsunder management. It includes customized financial planning and investment
management under the firm’s wrap program.
What is the minimum account size for investment management?
The 2026 minimums are:
Client stage
Minimum assets undermanagement
Early-career professional $25,000
Mid-career individual $100,000
Established investor $500,000
These minimums are based on assets transferred formanagement.
What does investment management cost?
The asset-based advisory fee starts at 1.5% annually. Thefee decreases as account balances grow.
How are advisory fees paid?
Asset-based fees are deducted directly from the investmentaccount. Clients do not receive a separate bill for these fees.
Are there other forms of compensation?
In some cases, the firm may receive commissions from 401(k)plans or insurance products, as well as fees from other consulting services.
The firm states that it will disclose potential conflicts ofinterest.
Where are managed assets held?
Managed assets are held by LPL Financial, which providescustody and investment-account infrastructure. Modern Capital Concepts operates
independently in providing its advisory recommendations.
Can you guarantee investment results?
No. Investing involves risk, including possible loss ofprincipal. Asset allocation does not guarantee a profit or protect against
loss. Past performance does not guarantee future results.
Is this FAQ personalized investment advice?
No. This FAQ provides general information only. Financial andinvestment decisions should be based on an individual review of your
situation, goals, risk tolerance, and time horizon.
Are your services available in every state?
Financial professionals may discuss or transact businessonly with residents of states where they are properly registered or licensed.
