In a large stockpot, heat up olive oil and butter on medium heat.Add onion and garlic and cook for 3 minutes.Add carrots and potatoes. Stir together.Add stock and ham. Cook for 10 minutes on medium heat.In a large measuring cup or medium mixing bowl, whisk together milk and flour.Add to veggies and stir in well.Add seasoning, stir together.Cook until potatoes are cooked and chowder thickens, about 10 more minutes.Refrigerate leftovers for up to 3 days.