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    Two-thirds of Americans are financially illiterate which can lead to poor decisions around debt, savings and when to retire. Modern Capital Concepts is passionate about financial literacy and offers free programs held at Chicago Public Library branches - some can be attended remotely and some are child-friendly.


    Join our email list to get invited to our free seminars open to the public.

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    Contact us to schedule a financial wellness seminar and one-on-one mini-financial planning sessions for your employees. Examples of seminars presented at corporations and associations:

    • Investing 101
    • Women and Money
    • Estate Planning and Asset Protection
    • Essential Money Skills for Young Professionals
    • Planning for Retirement
    • Paying for College



























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    Friday, April 28, 2023

    NOON – 1:00 PM CST


    Live via Zoom



    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!













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    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.

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    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.

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    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

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    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?

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    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



    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.


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    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.


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    "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.

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    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.

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    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.

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    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.

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    Online investing dictionary

    Reliable source for looking up investment terms and concepts.

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    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.






















    The Business Brain Trust is a monthly mastermind for experienced professionals that meets in the Chicago Loop and is accessible via Zoom for clients everywhere. Past topics included elevator pitches, pricing, social media, sales strategies. There is no cost to Modern Capital Concepts asset management and quarterly fee clients.


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    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.

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    Discussion about cultural beliefs about money, strategies to save and reduce financial stress.


    Download slides here.

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    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.

    Extra stuff:

    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.

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    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.

  • 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.


    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, Wisconsin, Alaska, California, Colorado, Delaware, Florida, Kentucky, Massachusetts, Missouri, Nevada, North Carolina, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, Virginia, and Washington.


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