Frequently Asked Questions

Caldric Capital is accepting new clients with $500,000+ in investable assets. Take the Portfolio Fit Assessment to see if the approach aligns with what you are looking for.

Caldric Capital is registered as an investment adviser with the Mississippi Secretary of State. In addition to Mississippi, we may also serve a limited number of clients in other states where we are either registered, notice-filed, or able to rely on a de minimis exemption from registration. We monitor client locations and state rules on an ongoing basis. SEC registration typically occurs once a firm reaches $100M in assets under management.

Caldric Capital's primary market focus is the Pine Belt region of South Mississippi, with its principal office in Seminary, MS. As a state-registered investment adviser, the firm may also work with clients in other states where permitted under applicable registration, notice-filing, or exemption rules. In practice, availability in any given state depends on whether Caldric is registered or notice-filed there, or can rely on a de minimis exemption from registration. Before entering into any advisory agreement, we will confirm that we are properly registered or exempt in your state.

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You receive the monthly macro regime briefing — educational market commentary covering the current regime assessment and positioning rationale. To evaluate whether the approach is right for you, take the Portfolio Fit Assessment.

Caldric uses systematic tactical allocation to adjust portfolio positioning as market and economic evidence changes. The process starts with a client-appropriate portfolio lane, then uses regime identification, trend confirmation, volatility awareness, and documented rules to determine when exposure should be more constructive or more defensive. The goal is disciplined exposure management, not prediction.

Regime identification is the process of determining the current macroeconomic environment based on measurable indicators like inflation trends, economic growth, monetary policy, and market valuations. Different market regimes favor different asset classes. For example, a low-inflation growth regime typically rewards equity exposure, while a high-inflation regime may favor commodities and inflation-sensitive assets. Caldric uses regime identification alongside trend confirmation, volatility awareness, and client-specific risk limits. The framework draws on academic literature in regime allocation, trend-following, and volatility-aware risk management.

Your portfolio starts with a client-appropriate lane based on objectives, liquidity needs, risk capacity, taxes, account structure, and restrictions. Positioning then responds to measurable economic and market signals. When conditions favor growth, exposure may increase within that lane. When warning signs emerge, exposure can shift defensively. The goal is disciplined exposure management through rules-based regime navigation. This approach follows systematic indicators across inflation, growth, trend, volatility, and market conditions.

You work directly with the advisor managing your portfolio through a systematic, regime-based framework. Positioning responds as economic conditions change, driven by macro research and quantitative signals. Every adjustment has a rationale you can understand, and the person answering your questions is the same person making portfolio decisions. Caldric operates as a fee-only fiduciary investment adviser.

Capital preservation and volatility management describe the emphasis on disciplined exposure management within a systematic framework. In practice, this means adjusting positioning as conditions change: reducing equity exposure when risk indicators are elevated, increasing exposure to defensive assets like treasuries or cash when appropriate, and maintaining diversification across uncorrelated asset classes. The approach seeks to reduce the magnitude of portfolio declines during adverse conditions through rules-based tactical allocation. It does not aim to—and cannot—eliminate volatility or guarantee any particular outcome.

Our systematic approach draws on academic research and quantitative macroeconomic analysis focusing on regime identification, momentum, trend-following, and multi-asset portfolio construction. We use rules-based frameworks to adjust portfolio positioning based on economic cycles and market conditions. Our $500K minimum makes this approach accessible to individual investors.

No. No investment adviser can guarantee returns or promise specific performance. Our goal is to provide systematic, rules-based portfolio management through a disciplined tactical allocation process that seeks to reduce downside volatility. Past performance—whether ours, the market's, or any strategy—does not guarantee future results. All investing involves risk, including the risk of loss. What we can promise is transparency about our methodology, systematic execution based on measurable signals, and fiduciary responsibility to act in your best interests.

Positioning is reviewed as new economic and market data becomes available. Actual changes occur only when regime shifts or trend signals warrant action, not on a fixed trading calendar. When risk-reducing signals change, accounts are reviewed and repositioned promptly where operationally feasible. Risk-adding changes are implemented systematically and may be staged. Separately, accounts are reviewed at least quarterly for drift, suitability, and client changes.

Risk tolerance is what you say you are willing to accept. Risk capacity is what your balance sheet, time horizon, liquidity needs, tax situation, and withdrawal dependence can actually absorb. Caldric also considers risk composure, or how you are likely to behave under stress, and risk need, or the return profile required by your plan. Those factors can point in different directions, so they are reviewed before your portfolio positioning is selected.

You're likely a fit if you have at least $500,000 in investable assets and value a defined, repeatable investment process. You want to understand the “why” behind portfolio changes, not just the “what.” You're looking for a systematic, research-driven framework — with direct access to the advisor managing your portfolio — that addresses the behavioral biases that affect investors while adapting to changing conditions.

Our minimum is $500,000 for individual accounts. This minimum allows us to provide personalized attention while maintaining the resources needed to deliver systematic macro research and tactical portfolio management. For investors below this threshold, we may consider exceptions on a case-by-case basis or explore alternative service models in the future.

No. Our tactical allocation framework is designed for process-sensitive investors who value disciplined exposure management and systematic risk management. Whether you're building wealth, transitioning into a new phase, or managing a legacy—if you have $500K+ in investable assets and value a defined investment process with direct accountability, you may be a good fit.

Yes. Focused financial planning is included through the Portfolio Design Record at the start of the investment management relationship and periodic portfolio-fit reviews thereafter. The record focuses on the facts that affect how the portfolio should be managed: objectives, time horizon, liquidity and withdrawal needs, risk profile, account structure, and risk-first, tax-aware implementation considerations. Broader planning projects can be separately scoped. Caldric does not provide tax preparation, estate-document drafting, legal or accounting advice, or insurance product sales.

As a registered Investment Adviser, we are held to a fiduciary standard, legally obligated to act in your best interests. This means: transparent fee disclosure, no commissions or hidden incentives, and portfolio recommendations based solely on what’s best for you—not what’s best for us. Fiduciary duty is the highest standard in financial services, and it’s the only way we operate.