Caldric Capital is a Mississippi-based, fee-only registered investment advisor providing financial advisory services to Tupelo business owners, executives, and professionals entirely through virtual meetings. Tupelo has a long history of building wealth through manufacturing and entrepreneurship — the furniture industry alone has created multi-generational business families across Lee County. That kind of capital deserves an investment process built on more than optimism and rebalancing once a year. Caldric uses a systematic, regime-based framework to position portfolios based on the current economic regime: risk-on when conditions support it, defensive when they do not. No guessing, no reactive trading — a defined process applied consistently. The Tupelo economy is anchored by furniture and manufacturing executives, regional banking professionals at Cadence Bank and others, and a growing healthcare sector. Business owners navigating liquidity events, executive compensation plans, and retirement timelines make up a significant portion of the clients Caldric serves best. Minimum: $500,000 in investable assets. Schedule a free virtual consultation to see what a systematic approach looks like in practice.
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.
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 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 maps to a specific portfolio positioning. We monitor regime signals daily and rebalance at minimum monthly, and more frequently when the data shifts. The process is data-driven and removes emotional decision-making from 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. Tupelo has created multi-generational wealth through furniture manufacturing and entrepreneurship. Business owners navigating liquidity events, concentrated stock positions, or retirement transitions benefit from a systematic investment management approach that does not depend on one advisor's intuition. Caldric provides a documented, repeatable process for managing significant capital through changing economic conditions.
Traditional advisory models often compete on personality, firm brand, or product selection. Caldric's differentiation is the investment process itself: every allocation decision is driven by a systematic method for identifying economic regimes and positioning portfolios accordingly. There is no guesswork, no stock-picking, and no emotional adjustments when markets move. You get a repeatable, data-driven wealth management process and a fee-only structure with no commission incentives.
Yes. Tupelo investors often have investment accounts spread across multiple custodians, employer retirement plans, and bank relationships. Caldric manages your personal investment accounts at Schwab and provides financial advisory guidance on how your full financial picture fits together — including accounts we do not manage directly.
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 Tupelo 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 Tupelo, MS and surrounding communities. Registered investment adviser, State of Mississippi.
