• MODERN CAPITAL CONCEPTS

    FINANCIAL PLANNING AND INVESTMENT MANAGEMENT

  • MANIFESTO

    WE ARE IN THE MIDST OF A WOMEN'S REVOLUTION.

    WE SEEK TO EMPOWER WOMEN TO PURSUE SUCCESS HOWEVER THEY DEFINE IT.

    Our mission is to empower working women, professionals, academics and small business owners to establish positive financial behaviors, grow their wealth and pursue their life goals through an interdisciplinary approach combining financial education and personalized counseling.

     

    Our investment management style is growth with an emphasis on socially responsible investing and environmental, social, governance (ESG) themes. Our clients typically have a long-term investment time horizon.

     

    Modern Capital Concepts, Inc. is a benefit corporation financial services firm. We endeavor to maximize profits while seeking to fulfill our mission for the benefit of the communities in which we operate. We are committed to our community by sponsoring clinics for low-income residents and donating a portion of profits to community organizations.

     

    Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

  • ABOUT KHLOE U. KAROVA, FOUNDER

    University of Chicago Booth School of Business, MBA with Honors

    Northwestern University, BA

    CERTIFIED FINANCIAL PLANNER™

     

    Since 1998, I have worked in the stock markets. Despite the turbulence of the past 20 years, I love my job. One thing that excites me about financial markets is that every few years the world we know transforms and everything we think we know just ain't so. In certain instances, some stocks may be less risky than some bonds. Surprisingly, some technology companies may be a better source of dividends than some industrial companies (however, dividends are not guaranteed).

     

    Companies are changing and the financial products sold to investors are changing as well. Every year, there are new investment products and strategies that could potentially help or harm the consumer if they are not fully informed. There is no way around it, investing involves risk, including loss of principal.

     

    At the heart of companies is innovation, but this innovation is constrained by outdated thinking. Traditionally, stock prices reflect management’s ability to create value for shareholders, but, in my view, eventually companies will likely be valued for their impact on the larger society. This is modern capital.

  • HOW TO GET STARTED

    2

    Schedule

    a call or Skype to discuss the service plan appropriate for you.

    3

    Prep

    for your first meeting by downloading and completing the cash flow balance sheet risk worksheets and email to us in advance. Review the Goals Worksheet.

     

    4

    Bring

    your financial statements (investments, insurance policies, tax returns, etc.) electronically (preferred) or in print. Use secure email or password protected zip file if transferring electronically.

     

  • LOGAN SQUARE IS HOME.

    CHICAGO IS THE CITY WE LOVE.

    OUR CLIENTS ARE EVERYWHERE.

    For clients outside of Illinois, we meet primarily via Skype or offices all over the world.

    Check out Khloe's credentials.

    Find upcoming events and learn about socially responsible investing.

    Let's talk face to face.

    Listen to our podcast on investing and personal finances.

  • CONTACT US

  • MAKE AN IMPACT - WORK FOR US

    Do you possess top-notch analytical skills, but lead with your heart? Modern Capital Concepts is searching for talent with whom to partner, mentor and hire. You should possess at minimum an undergraduate degree from a top school, passed the CERTIFIED FINANCIAL PLANNER™ exam and have leadership experience. The job will be tailored to the individual hired. Contact us.

  • ANNUAL BENEFIT REPORT

    Read our Annual Benefit Report to learn how we make an impact.

  • 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, California, Colorado, Florida, Kentucky, Massachusetts, Missouri, Nevada, North Carolina, New Jersey, New York, Oregon, Texas, and Virginia.

     

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