Caldric Capital provides wealth management and investment advisory services to Mississippi families and individuals with $500,000 or more in investable assets. The approach is a systematic, regime-based framework built on macro economic research, where portfolio positioning responds to measurable economic conditions through a disciplined investment management process.
We provide investment advisory services to clients throughout Mississippi. Select your city to learn more about how we serve investors in your community.
Virtual-first practice. Caldric Capital operates as a virtual advisory firm. We serve Mississippi clients statewide — no need to drive to an office. All meetings are conducted via video conference or phone.
Our financial advisory approach is built on a systematic method for identifying economic regimes and positioning portfolios accordingly. Four principles drive everything we do.
Caldric reviews the macro environment daily, classifying the backdrop into one of four regimes — Goldilocks, Reflation, Stagflation, or Deflation — as growth, inflation, trend, and volatility evidence changes.
The investment management approach responds to the identified regime by changing portfolio weights. Risk exposure is calibrated to the underlying economic data through a disciplined, documented process.
Caldric monitors regime signals daily, implements defensive repositioning generally within one business day of a signal change, and conducts comprehensive drift reviews at least quarterly.
Under the fiduciary standard, advisers are legally obligated to act in each client’s best interest. Caldric’s compensation comes only from the advisory fee clients pay, which keeps recommendations aligned with client outcomes.
Caldric Capital is compensated only through the investment advisory fee you pay as a percentage of assets under management. As a fiduciary, we are legally obligated to act in your best interest at all times.
One straightforward annual investment advisory fee, billed quarterly. The wealth management rate decreases as your portfolio grows. Compensation comes only from this advisory fee — Caldric does not charge transaction fees, earn trade commissions, or receive payments from fund companies.
No. Caldric Capital operates as a virtual-first advisory firm. We serve clients throughout Mississippi - and beyond - via video conference, phone, and secure digital document sharing. There is no need to visit a physical office.
Our standard minimum is $500,000 in investable assets. This allows us to maintain a smaller client base and deliver focused, personalized service across every portfolio. We may waive or reduce this minimum on a case-by-case basis at our discretion.
Caldric uses a systematic, regime-based framework that identifies the current economic environment - Goldilocks, Reflation, Stagflation, or Deflation - and positions your portfolio accordingly. Caldric monitors regime signals daily, implements defensive repositioning generally within one business day of a signal change, and conducts comprehensive drift reviews at least quarterly. You work directly with a fee-only fiduciary advisor throughout.
Fee-only means our sole source of compensation is the advisory fee you pay. We do not earn commissions, sell insurance products, or receive referral payments. This eliminates conflicts of interest and ensures our advice is aligned with your goals.
Yes. As a registered investment adviser with the State of Mississippi, Caldric Capital is held to a fiduciary standard - we are legally obligated to act in your best interest at all times.
The process begins with the Portfolio Fit Assessment - a structured evaluation that shows how the systematic, regime-based framework would apply to your situation. After reviewing your assessment, we schedule a conversation to discuss the results, whether the approach is the right fit, and what becoming a client would look like. If we move forward, we handle account setup and coordinate any transfers from existing institutions. Everything is done virtually - no office visits required.
Yes. Most clients come to Caldric with existing accounts at firms like Fidelity, Vanguard, Edward Jones, or other brokerages. We coordinate the transfer of IRAs, taxable accounts, and other eligible accounts to Charles Schwab, our custodian. The process is handled electronically and typically takes 5-10 business days. Your assets remain invested throughout the transfer.
Caldric uses systematic tactical allocation to adjust portfolio positioning as market and economic evidence changes rather than maintaining a fixed, static mix at all times. The process starts with a client-appropriate portfolio lane, then uses a systematic regime-based framework, trend confirmation, volatility awareness, and documented rules to determine when exposure should be more constructive or more defensive.
Take the Portfolio Fit Assessment to see how the systematic tactical allocation framework would apply to your situation.
Not ready? Start with the briefing
Registered investment adviser, State of Mississippi.
