Caldric Capital provides wealth management and investment advisory services to Mississippi families and individuals with $500,000 or more in investable assets. Portfolio management follows a systematic, regime-based framework informed by independent macroeconomic research and market data. Caldric makes and implements portfolio decisions within documented client objectives and constraints.
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 applies regime classifications from independent macroeconomic research to portfolio decisions Caldric makes and implements. Four principles organize the approach.
Independent macroeconomic research classifies the backdrop into one of four regimes — Goldilocks, Reflation, Stagflation, or Deflation — as growth and inflation evidence changes. Caldric reviews that research alongside trend and volatility evidence daily and determines how it applies to each portfolio.
Caldric applies independent regime research and market evidence when changing portfolio weights, calibrating risk exposure through a disciplined, documented process within client constraints.
Caldric monitors regime signals daily and generally seeks to implement defensive repositioning promptly — typically on the same or next business day. Risk-adding changes are generally initiated within the same calendar week and may be staged, and comprehensive drift reviews occur 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 in advance. 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 informed by independent macroeconomic research. That research classifies the current economic environment as Goldilocks, Reflation, Stagflation, or Deflation, and Caldric determines how that evidence applies to your portfolio. Caldric monitors regime signals daily and generally seeks to implement defensive repositioning promptly — typically on the same or next business day. Risk-adding changes are generally initiated within the same calendar week and may be staged, and comprehensive drift reviews occur 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 removes product-sales conflicts of interest, though an asset-based fee carries its own conflict, which we disclose in our Form ADV Part 2A. Our advice is driven by your advisory agreement and our disclosed investment process.
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
