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.


    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




























    Thursday, September 23, 2021

    NOON – 1:00 PM CST


    Live via Zoom


    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.




    Meeting ID: 892 7756 9092

    Passcode: 60647


    Feel free to forward the webinar link to a friend. Email khloe@moderncapitalconcepts.com if you are planning on attending.














    Thursday, September 2

    12:00 PM – 1:00 PM CST


    Live via Zoom


    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




    Meeting ID: 894 1240 0547

    Passcode: 60647


    Feel free to forward the webinar link to a friend. Email khloe@moderncapitalconcepts.com if you are planning on attending.


    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.



    Meeting ID: 852 1945 5903

    Passcode: 193677


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    Download the slides here.


    Fri, February 12, 2021

    12 PM – 1 PM CST


    Live via Zoom


    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? Learn the basics of investing in stocks, setting financial goals, risk and diversification. CERTIFIED FINANCIAL PLANNER™ Khloé U. Karova will answer your questions.


    Download last year's slides here.

    Watch asset allocation 4-minute video here.


    Meeting ID: 886 2307 7133

    Passcode: 740787

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    +13126266799,,88623077133#,,,,*740787# US (Chicago)


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    Meeting ID: 886 2307 7133

    Passcode: 740787

    Find your local number:



    Thurs, Jan 7, 2021

    12 PM – 1:00 PM CST


    Live via Zoom


    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.


    Send your questions in advance to khloe@moderncapitalconcepts.com.

    Download the Budget handout here.


    Download the webinar slides here.


    Fri, Apr 5, 2019 LUNCH + LEARN

    NOON - 1:30pm CST

    WeWork National

    125 S. Clark Street, 17th Floor

    Register for lunch and learn (lunch provided).


    Sat, Apr 6, 2019

    10 AM – NOON CST

    Logan Square Chicago Public Library

    3030 West Fullerton Avenue

    Register for child-friendly seminar.


    Learn the basics of investing and how to become a better consumer of financial services.


    Financial planning topics include

    • Budgeting and saving for emergencies
    • Managing student loans and debt
    • College savings and paying for college
    • Overcoming financial obstacles
    • Planning for retirement and more

    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.

  • 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, 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.