Modern Capital Concepts
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
189
15% high-net worth
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
189
Very HighAverage account size
$0
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
Financial planning
Educational seminars or workshops
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Divorce financial planning
Demographic focus
Young Professionals
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 location
Modern Capital Concepts
Chicago IL, United States
Number of offices
1
Most active in
Modern Capital Concepts has reported serving >5 clients in these states in the last 12 months.
Illinois · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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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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