The office and financial markets are closed today to observe Good Friday.

We will be back in the office on Monday April 1st.

Enjoy time this weekend with friends and family.

Throughout our lifetime we set many financial goals, but what happens when we encounter an unexpected life event or financial emergency that prevents us from achieving these goals?

A premature death, accident or unexpected illness could significantly reduce your income while dramatically increasing your expenses at the same time.

Most new clients coming into our practice hold two very common assumptions about retirement income.

The first is that any time you can defer paying tax, you should, and that means holding off on converting your RRSP into a RRIF until the statutory deadline – the end of the year you turn 71. If this is not possible, you should minimize your RRIF payments to the greatest possible extent by relying on other sources of income.

The second is that as soon as you qualify for Canada Pension Plan (CPP) payments – age 60 – you should start taking them.

We are in the process of setting up some client events for later this year and would love to get your input on the topics.

It doesn't always need to be about finances-- we just want everyone to live their best life.



Please take a few minutes to fill out the survey and select all the topics that interest you or suggest a new one.

Hopefully, your experience with the Frost Team has been a positive one. We work hard to ensure that our client's needs are met with efficiency, courtesy and in a timely manner.

If, for any reason, we have not met your expectations, please let a team member know so that we can make it right.

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