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.


    Our approach combines

    • Adult learning techniques honed through Khloé's Organizational Behavior background;
    • Over twenty years experience in equity trading and stock markets; and
    • Discussion of classic investment books along with new research covering investor psychology

    Khloé has given over 100 seminars on trading and financial planning over the past twenty years. Contact us to attend an upcoming seminar.


    Contact us to schedule a financial wellness seminar and individual one-on-one session for your employees. Example seminars presented at corporations and associations:

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

  • The Business Brain Trust is a monthly mastermind for experienced professionals and meets in Chicago. There are two sections: B2B and B2C. Members bring up topics for discussion. Past topics included elevator pitches, pricing, social media, sales strategies. There is no cost to Modern Capital Concepts asset management clients. Financial planning clients must be on the quarterly retainer to benefit. Contact us to learn more or attend a meeting as a guest.


  • Investing Book Discussion

    9:30 AM – 11:30 AM
    Bucktown Wicker Park Chicago Public Library
    1701 N Milwaukee Ave, Chicago



    NOON – 1:30 PM 

    Logan Square Chicago Public Library

    3030 West Fullerton Avenue


    This is the first of a series of discussions based on the book “A Random Walk Down Wall Street.” No prior knowledge of investing is required, but I strongly encourage you to read "Part One - Stocks and Their Value" before the first meeting.

    "A Random Walk Down Wall Street" by Burton Malkiel can be found at most Chicago Public Libraries and ordered from your local book store. I will be referencing the 2015 version in our discussion.

    Bring the book and your laptop to put research ideas in action during the meeting.


    This is a free Meetup, but you must RSVP. Email khloe@moderncapitalconcepts.com if you are not a Meetup member.


  • Personal Branding and Storytelling with Ben Tanzer




    Are you a career-changer, business owner, re-entering the workforce or just want to be a better writer? Come to this hands-on workshop.


    Elevate your social media posts from the crowd. Tell your and your company's story in a way that affects people's emotions. Learn how to control your message and build your brand through impactful storytelling. Get feedback on your writing and a framework for executing on social media strategy. Led by writer and educator, Ben Tanzer.


    Sponsored by Modern Capital Concepts, Inc.


    Cost is $80 (waived for Modern Capital Concepts clients) for this four hour session which includes breakfast and snacks. Clients should register by emailing khloe@moderncapitalconcepts.com.


    Download Agenda:

    https://uploads.strikinglycdn.com/files/8c0c8993-d024-4e40-a66e-7b283b3ff3cd/Personal Branding and Storytelling 5-18-2018.pdf?id=113185

  • Strategies for Investment Success at Every Life Stage

    Monday, April 23, 2018

    12:00 PM - 1:30 PM


    Harold Washington Chicago Public Library

    400 S State St, Chicago, IL 60605

    Cindy Pritzker Auditorium (Lower Level)


    Join Christine Benz, Director of Personal Finance with Morningstar, as she discusses some strategies for financial and investment success at any age. After Christine’s presentation, Khloe U. Karova and other CERTIFIED FINANCIAL PLANNER™ professionals will be available to provide free financial planning consultations to attendees, courtesy of the Financial Planning Association of Illinois.

  • Socially Responsible Investing

    Sat, April 21, 2018

    12 PM – 1:30 PM CST


    Logan Square Chicago Public Library

    3030 West Fullerton Avenue

    Chicago, IL 60647


    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.

  • The Art of the Elevator Pitch

    March 22, 2018 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.

  • Salary Negotiations

    Fri, February 23, 2018

    11:30 AM – 1:00 PM CST

    • 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.

  • 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.