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


    Friday, May 7, 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.


    Download slides here.




    Meeting ID: 899 5586 7350

    Passcode: 710158



    "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.


    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.






















    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.















    Friday, April 9

    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


    Download pdf


    Add your name to the email list to receive event updates.


    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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    +19294362866,,85219455903#,,,,*193677# US (New York)


    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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    Meeting ID: 886 2307 7133

    Passcode: 740787

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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.


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


    Download 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, Oregon, Pennsylvania, Texas, Virginia, and Washington.


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