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.



    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.


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


    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


    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 Zoom webinar slides here.














    Wed, Apr 22, 2020

    5 PM – 6 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 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 slides here.

    Watch asset allocation 4-minute video here.


    Tuesday, April 7, 2020

    6:00 PM – 7:30 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.


    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.


    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.


    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.