Arctic Trust, Denver

As two health-insurance agents were working with their senior clients, they discovered how few seniors had undertaken the estate-planning process—either due to lack of understanding or fear of cost. They decided to change that. And so, in 2006, they founded Arctic Trust: a firm dedicated to helping customers understand the importance of their legal documents and how to use them.

Today, Arctic Trust's fleet of legal consultants perform the full spectrum of estate-planning services—from creation of Power of Attorney to the building of Trusts to the writing of Legal and Living Wills. These services combine to determine the future allocation of a client's personal assets, as well as children and that painting in the living room that always looks like it's watching you. As a further measure, The Glacier Benefit maintains the integrity of each document, allowing the owners to make changes at regular intervals, free of charge.