Caldric Capital is a Mississippi-based, fee-only registered investment advisor providing financial advisory services to Madison and Madison County families and executives through virtual advisory meetings. Madison is one of Mississippi's most affluent communities — a fact reflected in the density of financial services marketing directed at its residents. The challenge for Madison investors is not finding an advisor; it is finding one with a clearly defined, systematic investment process rather than a polished sales approach. Caldric's investment process is built on a systematic, regime-based framework, which identifies economic regimes and positions portfolios accordingly as regime signals evolve. There is no ambiguity in how decisions are made. Madison County is home to a concentration of corporate executives commuting to Jackson, healthcare administrators, and business owners who have built significant net worth. These investors often have multiple accounts, complex tax situations, and retirement timelines that need a comprehensive approach — not a product recommendation. Caldric serves investors with $500,000 or more in investable assets and focuses on the full picture: investment management, fee structure, and a fiduciary relationship. Schedule a free virtual consultation to discuss your situation.
Caldric Capital uses a systematic, regime-based framework informed by independent macroeconomic research. That research classifies one of four economic regimes based on the direction of growth and inflation — Goldilocks, Reflation, Stagflation, or Deflation — and Caldric determines how that evidence applies to your portfolio.
Your portfolio is positioned according to observable economic and market evidence, implemented within your documented objectives and 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.
Past regime identification does not guarantee future results.
Fee-only means Caldric Capital is compensated only through the investment advisory fee you pay as a percentage of assets under management. We do not sell insurance products, earn commissions on trades, or receive payments from mutual fund companies. There is no financial incentive to recommend anything other than what fits the investment framework.
Fiduciary means Caldric is legally obligated to act in your best interest at all times. Every investment management decision we make must prioritize your objectives over our own.
We work with individuals and families in Madison, MS with $500,000 or more in investable assets. Our clients tend to come from these local industries and backgrounds:
Senior executives and officers at companies operating in the Jackson metro who live in Madison County for quality of life and school systems.
Hospital administrators, practice owners, and healthcare executives with above-average compensation and complex financial planning needs.
Banking officers, insurance executives, and financial industry professionals who understand enough about investing to demand a better process.
Founders and owners of Madison County businesses facing liquidity events, succession planning, or retirement transition with significant investable capital.
$500,000 minimum. Caldric Capital is selective by design. A smaller client base allows us to deliver focused, personalized service and maintain research quality across every portfolio.
Every service is delivered through the same regime-based wealth management framework — systematic, documented, and aligned with your financial objectives.
Systematic portfolio construction and positioning informed by independent macroeconomic research, with Caldric implementing decisions through a disciplined, data-led process within documented client objectives and constraints.
When regime or trend signals change, Caldric reviews affected accounts and adjusts exposure — reducing risk promptly when evidence deteriorates and adding risk in stages as conditions improve.
Managing portfolio shifts across life stages within the regime framework — from accumulation to distribution, calibrated to your specific objectives and volatility capacity.
Tax-aware account-location, tax-lot, sequencing, and withdrawal-source considerations where they support portfolio risk management and coordination with the client's CPA.
Investment advisory guidance on how employer plans, TSP accounts, deferred compensation, and other held-away assets fit within your total financial picture.
Periodic regime commentary may include reviews, regime updates, and plain-language reporting on portfolio positioning.
A four-step cycle of disciplined exposure management that responds to observable economic and market evidence. No process identifies every market turn.
Caldric reviews regime evidence daily. The current environment can change as growth, inflation, trend, and volatility evidence change.
Independent macroeconomic research informs the regime assessment, and Caldric systematically implements changes to equity exposure and asset class weights within documented client objectives and constraints.
Caldric monitors regime signals daily and reviews affected accounts when signals change. Comprehensive drift reviews occur at least quarterly.
You receive a plain-language explanation of the current regime, what it means for your wealth management strategy, and the rationale behind any changes made.
One straightforward annual investment advisory fee, billed quarterly in advance — the wealth management rate decreases as your portfolio grows. Caldric does not charge transaction fees, earn trade commissions, or receive payments from fund companies.
Fee-only means Caldric Capital is compensated exclusively through the investment advisory fee you pay — a percentage of assets under management. We do not earn commissions, sell insurance products, or receive referral payments from third parties. This structure eliminates the conflicts of interest that exist at commission-based firms and ensures our wealth management advice is aligned entirely with your financial goals.
Yes. As a registered investment adviser with the State of Mississippi, Caldric Capital is held to a fiduciary standard. This means we are legally obligated to act in your best interest at all times — not merely recommend investments that are suitable. Every investment management decision we make must prioritize your objectives over our own.
Caldric uses a systematic framework, informed by independent macroeconomic research, that classifies the current economic environment into one of four regimes — Goldilocks, Reflation, Stagflation, or Deflation — based on the direction of growth and inflation. Each regime informs portfolio positioning, implemented within your documented objectives and 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. The process is data-driven and designed to reduce emotional decision-making in investment management.
No. Caldric Capital operates as a virtual-first financial advisory firm. All meetings — onboarding, quarterly reviews, portfolio updates, and direct advisor access — are conducted via video conference or phone. There is no need to visit a physical office. Virtual delivery is how Caldric operates by design, not by limitation, and clients across Mississippi receive the same level of service.
Yes. The systematic, regime-based approach is particularly well-suited to investors in or near retirement, where preserving capital during defensive regimes is as important as growing it during favorable ones. Caldric helps manage the transition from accumulation to distribution with the same disciplined investment management process applied throughout.
Madison has a high density of financial services marketing directed at affluent residents. The challenge is finding an investment advisor with a clearly defined, systematic process rather than a polished sales approach. Caldric's wealth management process is built on a publicly described macro methodology applied consistently regardless of market conditions. There are no proprietary funds, no revenue-sharing arrangements, and no ambiguity in how allocation decisions are made.
Yes. Madison County is home to corporate executives with stock options, deferred compensation plans, and investment accounts at multiple custodians. Caldric manages your personal accounts at Schwab under the regime-based framework and provides financial advisory guidance on how your complete financial picture — including accounts we do not manage directly — fits together.
Start with a conversation — not a commitment. We begin with an introductory call to understand your financial situation, investment goals, and whether our regime-based approach is a good fit. If we both agree to move forward, we handle the account setup and any asset transfers. The entire onboarding process is virtual — no office visits required.
Your assets are custodied at Charles Schwab, one of the largest custodians in the United States. Schwab holds your accounts, executes trades, and sends independent account statements directly to you. You maintain full access to your accounts at all times through Schwab's platform. Caldric Capital's role is limited to managing the investment decisions within your accounts.
The terms are often used interchangeably, but they can mean different things. A financial planner typically focuses on comprehensive financial planning — budgeting, insurance, estate planning, and goal-setting. A financial advisor or investment advisor like Caldric Capital focuses primarily on investment management — how your portfolio is constructed, positioned, and rebalanced. Caldric is a registered investment adviser providing fee-only, fiduciary investment management built on a systematic, regime-based framework.
Caldric Capital provides virtual wealth management and investment advisory services to families in Madison and these surrounding communities:
Founder, CCO & Investment Adviser Representative
Josh founded Caldric Capital with a straightforward premise: investment management should be systematic, transparent, and aligned with a fee-only fiduciary relationship.
Josh's compensation comes exclusively from the advisory fees clients pay. Caldric does not sell insurance, earn trade commissions, or receive payments from fund companies. As a fee-only fiduciary investment adviser, Caldric is legally obligated to act in each client's best interest.
Caldric's investment process is informed by independent macroeconomic research and systematic regime identification, with Caldric responsible for every portfolio decision. Caldric applies observable macroeconomic and market evidence within each client's documented objectives and constraints.
Take the Portfolio Fit Assessment to see how the systematic tactical allocation framework would apply to your situation.
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Serving Madison, MS and surrounding communities.
