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Discipline Equals Freedom

My Story 


About J.D. Frost

The Strategy Expert

J.D. Frost is the founder and C.E.O of CROFT & FROST, a firm that transcends traditional accounting and wealth creation. With both a CPA and his MBA, J.D. advises businesses on more than just their financials; he utilizes four foundations of wealth creation to help his clients, partners, and employees build courage and create wealth.

J.D. coaches individuals on how to generate more income, protect their income, identify tax savings, and invest in themselves and others. As an entrepreneur, he knows what it takes to start — and scale— businesses, and has used his years of experience in accounting to build a solid foundation for each and every one of his clients and partners.

J.D. takes a wholistic approach to finances, accounting, and wealth creation by understanding the person behind the decision. He believes that in order to achieve one's personal, professional, and financial goals, one must change the way they think.






"To accomplish anything you must write something down."


Day 1

Integrator, Author, Speaker, Connector, Decision Maker

To know J.D. is to know his past. As a recovering alcoholic, J.D. believes in the power of Day 1. Treating every day as Day 1 has helped J.D. overcome massive obstacles in his personal life and his business. J.D. contributes his sobriety and his successes to living his life according to this motto. 

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J.D. believes that to change any aspect of life, one must change their daily routine.  He helps others overcome aspects in their life where doubt, fear, and isolation are preventing them from living a life of true freedom. Day 1 consists of implementing daily action, accountability, and discipline into one's life to help remain present and have the courage to keep moving onward during challenging times.  J.D. uses The Daily Ledger to write down his goals, affirmations, targets, powerbase, gratitude, and more, daily. 


Personal Life

Father & Husband 

J.D. is married to his beautiful wife, Lindsey Frost. Lindsey is an entrepreneur herself and owns Frost Designs, an Interior Design company based out of Chattanooga. God has blessed J.D. and Lindsey with three daughters: Laney, Sally, and Molly. J.D. was born and raised in Signal Mountain, Tennessee, outside Chattanooga.

J.D. grew up in a family full of entrepreneurship and high standards of success. He is the Executive Vice President 

& C.F.O. of the family business, Tufcto Corp, located in Chattanooga. J.D. primarily resides with his family in Chattanooga, Soddy Daisy, and Chicago, with plans to have a home in South Florida. In his free time J.D. loves to play golf, smoke a cigar ,read, and spend time at the lake with his family.

God grant me the serenity to accept the things I cannot change; courage to change the things I can; and wisdom to know the difference. Living one day at a time; Enjoying one moment at a time; Accepting hardships as the pathway to peace; Taking as He did, this sinful world, as it is, not as I would have it; Trusting that He will make all things right if  I surrender to His Will; That I may be reasonably happy in this life and supremely happy with Him forever in the next. Amen. 

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