Caldric Capital is a Mississippi-based, fee-only registered investment advisor providing financial advisory services to Southaven and DeSoto County families and professionals through virtual advisory meetings. Southaven sits just south of Memphis, which means residents have access to Tennessee-based advisors and a competitive market — but many prefer to work with an advisor based in Mississippi and registered here. Caldric offers exactly that, with an investment process that stands apart regardless of where you live. a systematic, regime-based framework drives every allocation decision: systematic regime identification, signal-driven rebalancing, and a documented process that does not change based on market mood. DeSoto County has experienced rapid growth driven by logistics and distribution infrastructure — FedEx and Amazon have major operations in the county, creating a large workforce of managers, supervisors, and operations professionals with strong income and growing investment accounts. Southaven's proximity to Memphis also draws healthcare professionals, corporate managers, and business owners who want Mississippi-registered advisory services. Caldric works with investors who have $500,000 or more in investable assets. Schedule a free virtual consultation to get started.
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 Southaven 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.
Not ready? Start with the briefing
Serving Southaven, MS and surrounding communities. Registered investment adviser, State of Mississippi.
