Caldric Capital is a Mississippi-based, fee-only registered investment advisor providing financial advisory services to Meridian professionals, business owners, and retirees through virtual advisory meetings. Meridian serves as the commercial and medical hub for east Mississippi — a role that has produced a meaningful base of healthcare professionals, military families, and business owners with significant accumulated wealth and limited access to independent, fee-only advisors. Caldric fills that gap. Our investment process is driven by a systematic, regime-based framework: a systematic method for identifying whether economic conditions favor risk-on or defensive positioning. Portfolios are rebalanced at minimum monthly — and more frequently when regime signals shift, not market predictions. Anderson Regional Medical Center is one of the city's largest employers, creating a significant concentration of physicians and healthcare executives. Naval Air Station Meridian brings an active-duty and veteran professional community to east Mississippi. Local manufacturers and independent business owners round out the investor profile. Caldric works with investors who have $500,000 or more in investable assets and want an advisor without conflicts of interest or commission incentives. Schedule a free virtual consultation to discuss your financial situation.
Caldric Capital uses a systematic, regime-based framework built on macro economic research. We identify one of four economic regimes based on the direction of growth and inflation: Goldilocks, Reflation, Stagflation, or Deflation.
Your portfolio is positioned accordingly — not based on gut feelings or market predictions, but on where the economy actually is right now. 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.
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 high-net-worth individuals and families with $500,000 or more in investable assets who are seeking a systematic, data-driven approach to investment management. Compensation comes only from the advisory fee clients pay, which keeps recommendations aligned with each client's best interest.
$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 driven by macro economic regime identification through a disciplined, data-led 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.
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 driven by regime signals — no emotion, no prediction, just a disciplined response to where the economy actually is.
Caldric reviews regime evidence daily. The current environment can change as growth, inflation, trend, and volatility evidence change.
The investment management process responds to the identified regime by systematically changing equity exposure and asset class weights, driven entirely by the regime framework.
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 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 — the wealth management rate decreases as your portfolio grows. Caldric does not charge transaction fees, earn trade commissions, or receive payments from fund companies.
Caldric Capital provides virtual wealth management and investment advisory services to families in Meridian and these surrounding communities:
Founder, CCO & Investment Adviser Representative
Josh founded Caldric Capital with a straightforward premise: investment management should be systematic, transparent, and free from conflicts of interest.
Josh's compensation comes exclusively from the advisory fee 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 built on macro economic research and systematic regime identification — a disciplined wealth management framework that positions portfolios based on the current state of the economy as reflected in measurable macro data.
Take the Portfolio Fit Assessment to see how the systematic tactical allocation framework would apply to your situation.
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Serving Meridian, MS and surrounding communities. Registered investment adviser, State of Mississippi.
