Modern Capital Concepts
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About
Modern Capital Concepts provides financial planning and consulting primarily to individual and high-net-worth clients, and also offers services to employers through workplace wellness programs. Services include comprehensive written financial plans, one-time and as-needed consulting, employer lunch-and-learns, public seminars and workshops (marketed under the WealthEquity name), and recurring programs such as a Business Brain Trust and a monthly planning plan for younger clients.
The firm’s advisory work focuses on tailored planning across investment, retirement, tax, insurance and estate topics, using quantitative tools (including efficient-frontier analysis), fundamental and technical research, and coordination with third‑party tax or accounting advisors. Modern Capital Concepts’ engagement model is advisory rather than discretionary: it does not monitor or manage client accounts on an ongoing basis and clients are responsible for implementing recommendations.
What is distinctive for a supported firm is the combination of educational and employer-facing programming with broker‑dealer and insurance activities: the firm’s representatives are registered with LPL Financial and hold insurance licenses, and Modern Capital Concepts offers seminars, workshops and workplace counseling as part of its practice. The firm also reports no assets under management and does not employ percentage-of-AUM charging or individual portfolio management services, a fee and service mix that differs from most peers and that the firm discloses could create conflicts of interest when commissionable products are recommended.
Client services
Expertise
Demographic focus
Fee options
Fixed quarterly fee of $2,000 for Personalized Financial Strategy; $2,000 flat rate per day for General Consulting; fixed fee $3,000 for Financial Wellness Lunch and Learn seminars
Commissions may be earned if implementing insurance or securities products through investment adviser representatives acting as insurance agents or registered representatives; commissions can offset fees up to 100%
Standard hourly fee is $450/hour; Financial Check-Up option $900 for first 2 hours, then $500/hour thereafter
Minimum fee: Minimum hourly fee of $450 for financial planning services Fee-only: Hourly fees ($450/hour standard; Financial Check-Up first 2 hours $900 total, then $500/hour; fixed quarterly fee $2,000 for Personalized Financial Strategy; $250/month for Business Brain Trust with 6-month minimum; $125/month for Personal Financial Planning with 12-month minimum; $2,000 flat rate per day for General Consulting)
Main office
Chicago IL
Advisors at this office
1
Most active in
Illinois · Texas
Also doing business as
Karova, Khloe Uma Cean · Modern Capital Concepts · Modern Capital Concepts, Inc. · Wealthequity
Disclosures
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Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
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Is not active or affiliated with:
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Bank
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Trust company
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Fund sponsor
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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