PLANNING FOR RETIREMENT
Friday, April 28, 2023
NOON – 1:00 PM CST
Live via Zoom
https://us02web.zoom.us/j/83858375616?pwd=WEs5cktleW1GbXdaVWw1VU5sNTZnQT09
Meeting ID: 838 5837 5616
Passcode: 682337
When people embark on adulthood there are rites of passage and milestones that guide young people: buying a house, starting a family, graduate school, getting a promotion to the corner office, etc. Planning for retirement can be more challenging because there is no set script. It is up to each person to design a life that is meaningful and financially sustainable.
Planning for retirement involves complex decisions around saving and paying off debt while balancing lifestyle, supporting adult children, taking care of aging parents, working in retirement, managing taxes and health care costs, estate planning and charitable giving, Social Security and Medicare, among others.
There is workbook that accompanies this seminar. Email to register and receive the pdf in advance.
This seminar will be recorded.
Send your questions via email to khloe@moderncapitalconcepts.com - DO NOT USE THE CHAT. I WILL NOT LOOK AT THE CHAT. I ONLY HAVE TWO HANDS, PEOPLE!
INVESTING 101
Wednesday, February 15
12 PM – 1 PM CST
When is a good time to invest? When is it better to pay off debt than invest? How do I get started investing? What is socially responsible ESG investing? Does the 60/40 portfolio still work?
Learn the basics of investing in stocks, setting financial goals, risk and diversification. CERTIFIED FINANCIAL PLANNER™ Khloé U. Karova will answer your questions.
This seminar will be recorded.
Email emi@moderncapitalconcepts.com to receive a link to the recording.
ESSENTIAL MONEY SKILLS FOR YOUNG PROFESSIONALS
Friday, January 27
12 PM – 1 PM CST
This seminar answers FAQs from professionals in their 20s and 30s. Topics include saving for emergencies, managing student loan debt, and planning for long-term goals of retirement and more.
Access the recording here.
PAYING FOR COLLEGE
Tuesday, January 24
Hosted by Melissa Stanley: Realtor with 20+ years of experience. Helping buyers, sellers, and renters. Residential and Commercial Real Estate.When applying for financial aid don’t be surprised when the amount the college thinks you can pay is considerably higher than the amount you can afford. The Federal aid formulas have consistently overestimated what middle-class families can afford. Have a plan to manage the gap!
We will cover myths versus realities in paying for college and explore funding scenarios through case studies:
1. High Earner / High Savings
2. High Earner / Low Savings
3. Paying From Rental Income / Dividends
4. Divorced Parents
5. Leaving A Legacy: Making Savings Last Longer
6. Grad School
RADICAL BUDGETING
Thursday, January 5
12 PM – 1 PM CST
Budgeting is foundational to financial planning at every phase. Like yoga, it requires practice. When financial resources are strained due to inflation, gentrification, or life changes, allocating resources intentionally and sustainably is key.
Radical Budgeting will discuss the following:
• How to make a budget
• What to do when your spending habits are not in sync with your partner's?
• What are signs that your habits sabotage your financial goals?
• What is a sustainable level of spending?
WOMEN AND MONEY
Thursday, October 28, 2021
NOON – 1:00 PM CST
Live via Zoom
Learn the basics of investing and how to become a better consumer of financial services.
Financial planning topics include
- Financial planning at each life stage: 20s, 30s, 40s, 50s and beyond.
- Budgeting and saving for emergencies
- Managing student loans and debt
- College savings and paying for college
- Overcoming financial obstacles
- Planning for retirement and more
Join Zoom Meeting
https://us02web.zoom.us/j/83863662661?pwd=a1pHOEZ2aEhyQnNRUGt0aWNXRVVkZz09
Meeting ID: 838 6366 2661
Passcode: 147056
Feel free to forward the webinar link to a friend. Email khloe@moderncapitalconcepts.com if you are planning on attending.
SUSTAINABLE ESG INVESTING
Friday, March 12, 2021
12:00 PM – 1:00 PM CST
Live via Zoom
Learn about socially responsible investing (SRI) and the differences between socially responsible and environmental social governance (ESG) themes. This seminar is designed to help participants understand how SRI or ESG investments further social goals by rewarding “good” companies or advocating certain causes. CERTIFIED FINANCIAL PLANNER™ Khloé U. Karova will answer your questions.
READING FOR SERIOUS INVESTORS
Foundations
"Do simple better" Joe Maddon, Manager, Chicago Cubs
Making better investment decisions is more probably when one has mastered the basics of microeconomics and macroeconomics. Sign up for an MOOC on Coursera or audit a class at a local college. Here is an example of what might be covered in a Microeconomics course at the University of Chicago Booth School of Business.
Financial Markets
The financial landscape is more than stocks.
Is now a good time to buy stocks? To answer this question, it is important to understand the relative attractiveness of stocks to other asset classes. Bonds, futures and options are some of the instruments used by investors. Take a look at this free MOOC to learn more. Financial Markets taught by Robert Shiller at Yale.
Racial Wealth Gap
Why is there a racial wealth gap?
The gap between rich and poor is widening in the US with the most egregious effects experienced by Black people. What are some of the causes and what history should non-Blacks be aware of so solutions can be put forth that are sensitive to past injustices. Download the audible book or purchase online or at your local bookstore.
Investments Text Book
The seminal text on investing.
Bodie Kane Marcus was the textbook I used in Investing 101 at the University of Chicago Booth School of Business. Borrow a recent edition or buy online.
Investopedia
Online investing dictionary
Reliable source for looking up investment terms and concepts.
Bloomberg TV
Online investing dictionary
Bloomberg markets is the premier source for market news. First 30 minutes are free for non-subscribers. Monthly subscriptions are comparable to other news sources.
SALARY NEGOTIATIONS
Thurs, Feb 28, 2020
NOON – 1:00 PM CST
WeWork National, 125 S. Clark Street, 17th Floor
$20 for general public
Free for Modern Capital Concepts clients
- How to ask for a raise.
- What strategies are suitable for your industry and your career stage
- What are techniques to become a good negotiator
Laura Balson is a partner at the Chicago law firm of Golan Christie Taglia LLP where she practices in the areas of employment law and commercial litigation. Laura represents both employers and individual executives and entrepreneurs and has tried cases in state and federal courts.
Laura graduated from Northwestern University School of Law in 2005 and received her undergraduate degree in Political Science from Bates College in 2001, magna cum laude.
MONEY AND EMOTIONS LUNCH + LEARN
Discussion about cultural beliefs about money, strategies to save and reduce financial stress.
Download slides here.
NON-PROFIT FUNDRAISING
Mon, Sep 9, 2019
6:00pm – 7:30 PM CST
WeWork National
125 S. Clark Street, 17th Floor check in with ID
Are you new to a non-profit board and want to learn how to raise money? Khloé Karova of Modern Capital Concepts will share techniques based on research from University of Chicago Booth School of Business as well as original approaches to raising money for time-constrained professionals. Each participant will come away with two or three ideas they can implement immediately.
Before the workshop, download the reading.
- “Four Fundraising Ideas” eBook from University of Chicago Booth School of Business Rustandy Center
- George Wu, University of Chicago Booth School of Business “Flipping the Switch on Volunteerism”
Extra stuff:- Financial Policy example from University of Chicago Women's Business Group (UCWBG)
- Income Statement example from UCWBG
- Balance Sheet example from UCWBG
Khloé U. Karova is a CERTIFIED FINANCIAL PLANNER™ and an independent financial advisor. She has an MBA from University of Chicago and BA from Northwestern.
Securities offered through LPL Financial, member FINRA/SIPC. Financial planning offered through Modern Capital Concepts, a Registered Investment Advisor and separate entity from LPL Financial. Investing involves risk including loss of principal.
THE ART OF THE ELEVATOR PITCH
April 16, 2019 at Lake Forest College, Chicago, IL
How does an art history major get into finance? I had to convince employers to look at my potential not just what was on my degree.
View slides.
JANUARY 26, 2019 AT THE ACE HOTEL CHICAGO
GET YOUR STORY DOWNPERSONAL BRANDING AND STORYTELLING BOOTCAMPWITH BEN TANZER AND SAVERIO TRUGLIA
