Caldric Capital is a Mississippi-based, fee-only registered investment advisor providing financial advisory services to Oxford professionals, faculty, and business owners through virtual advisory meetings. Oxford is an intellectually sophisticated market — Ole Miss faculty and medical school researchers are not impressed by vague promises or proprietary product names. Caldric's investment approach matches that standard. We use a systematic, regime-based framework to systematically identify the current economic regime and position portfolios accordingly, with a documented process and signal-driven rebalancing discipline. No black boxes. No emotional pivots. You can understand exactly how your money is managed. The Oxford economy is increasingly driven by a professional class attracted by the university, the healthcare system, and the city's growing reputation as a destination for remote workers and retirees. That population — faculty with academic retirement accounts, healthcare professionals with above-average incomes, and business owners — fits the Caldric client profile well. We work with investors who have $500,000 or more in investable assets and want institutional-level process from an independent advisor. Schedule a free virtual consultation to get started.
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 Oxford, MS with $500,000 or more in investable assets. Our clients tend to come from these local industries and backgrounds:
Faculty, senior administrators, and researchers at Ole Miss managing academic compensation, 403(b) plans, and supplemental investment accounts.
Physicians and administrators at the University of Mississippi Medical Center's Oxford affiliates and Baptist Memorial Hospital.
Attorneys, architects, and independent professionals drawn to Oxford's reputation as a cultural and professional hub in north Mississippi.
Property investors and developers benefiting from Oxford's sustained population growth and rising real estate values.
$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.
It means every allocation decision is driven by a systematic assessment of the current economic environment — whether growth is accelerating or slowing, whether inflation is rising or falling. The framework classifies these conditions into four regimes and maps them to appropriate portfolio positioning. When the regime changes, the portfolio adjusts. When it does not, it holds. No guessing, no reacting to headlines — a disciplined wealth management process.
University professionals at Ole Miss often hold 403(b) plans and supplemental investment accounts alongside personal portfolios. Caldric manages personal accounts directly and provides investment advisory guidance on how employer-held accounts fit within your total financial picture. The systematic, documented process appeals to academically minded investors who want to understand exactly how their money is managed.
Yes. Oxford's growing reputation as a retirement destination brings investors who need to transition from accumulation to distribution. The regime-based approach is particularly well-suited to this stage — preserving capital during defensive regimes is as important as growing it during favorable ones. Caldric helps manage that transition with the same disciplined investment management process applied throughout.
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 Oxford 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 Oxford, MS and surrounding communities.
