Today’s Guests:
On this week’s Your Money Matters Radio Show, Kurt focused on First Time Home Buyers. Kurt Rogers is our exclusive Mortgage Broker. Call Kurt at (720) 895-0500 and explore your mortgage refinance options if you have high interest debt! Kurt is saving real clients, real money! Check out the website at www.aimortgage.net. Affordable Interest Mortgage – Powered by IMB #2191655. NMLS 217147. Equal Opportunity Lender. MLO #100020228.

Then it’s Medicare & More with Jim Garey, Owner of Silver Sherpa Inc. On this week’s Medicare & More Show, Jim Garey, Founder of Silver Sherpa, Inc. encourages our listeners to attend one of their upcoming “Educational Workshops”, visit www.Sherpa123.com click on Events find a location and time that fits you. Jim talks about Part D of Medicare. There are only 5 companies that offer a Part D program. You must sign up for Part D when sign up for Medicare, or you will pay a penalty, and Jim explains all you need to know on this segment. We also breakdown Medicare Advantage Plans and what you need to know. Looking ahead to Open Enrollment October 7th-December 15th.

Medicare open enrollment also known as the annual election period (AEP) or annual coordinated election period refers to an enrollment window that takes place each fall, during which Medicare plan enrollees can reevaluate their existing Medicare coverage whether it’s Original Medicare with supplemental drug coverage, or Medicare Advantage and make changes if they want to do so. This is where the Silver Sherpa team will evaluate your current plan, and advise you accordingly.

Visit www.Sherpa123.com and click on the Events tab to reserve your seat at an upcoming Educational Seminar. If you’re turning 65 in 2026, it’s never too early to learn your options. Many people today are facing unexpected layoffs and weren’t planning on making Medicare decisions yet. Jim addresses these real-life situations during the free workshops so you can make informed, confident choices.

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Today’s Guests:
After my very successful cataract surgery at Colorado Eye Consultants with Dr. Robert Fish, I decided we would introduce all of the Doctors at CEC, and let you know all of their specialties in eye care. Today we introduce Dr. Ameay Naravane who is a board-certified ophthalmologist and fellowship-trained glaucoma specialist. He specializes in medical and surgical management of glaucoma, minimally invasive glaucoma surgery (MIGS), routine and complex cataract surgery, and advanced anterior segment procedures, including intraocular lens exchange or repositioning, secondary intraocular lens implantation, and iris repair. Dr. Naravane completed his undergraduate studies at Georgetown University, where he focused on Science, Technology, and International Affairs. He earned his medical degree from the University of Minnesota and completed his internship at Hennepin Healthcare. He then returned to the Chief Resident. Following residency, Dr. Naravane completed a fellowship in Glaucoma and Advanced Anterior Segment Surgery at Washington University in St. Louis. During his fellowship, he gained extensive experience in advanced glaucoma procedures (including trabeculectomy, glaucoma drainage devices, and diode cyclophotocoagulation), MIGS techniques (such as goniotomy, GATT, Hydrus, iStent, and XEN Gel Stent), and complex anterior segment and cataract surgeries. Dr. Naravane is known for his compassionate, individualized approach to care. He partners with each patient to develop tailored treatment plans that integrate both time-tested methods and the latest innovations in ophthalmology. A committed educator, he takes the time to ensure his patients understand their diagnosis and options for care. Dr. Naravane is thrilled to call Colorado home and is passionate about delivering exceptional eye care to the Denver community.

Then it’s Jim Garey, Owner of Silver Sherpa, and our Medicare specialist. Jim says as Independent Brokers we offer you TRUE unbiased variety, options, and choice. As your Independent Medicare Insurance Brokerage Agency, you can rest easy knowing that we are appointed with more than 30 insurance companies. When we work together you will “shop” a wide variety of companies, without the hassles of having to call each one individually. With the freedom to select from a wide variety of companies, you’ll gain a peace of mind knowing that, working together, we did our due diligence in locating the most suitable policy for you. And suitability leads to satisfaction. CLIENT SATISFACTION: NOT JUST A SLOGAN! Something we hope to earn from you, as well. Sign up for an upcoming free educational workshop by going to www.Sherpa123.com.

On this edition of Your Health Matters, brought to you by Integrated Health Systems, Functional Nutritionist Elizabeth Mahnke discussed how nutrition plays a vital role in maintaining energy levels and why diet is often an overlooked cause of chronic fatigue. She explained that the foods we eat directly affect blood sugar stability, brain function, hormone production, and the body’s ability to create energy. Diets high in sugar and refined carbohydrates can cause rapid spikes and crashes in blood sugar, leading to brain fog, cravings, and afternoon fatigue. Elizabeth emphasized the importance of eating balanced meals that include quality protein, healthy fats, and fiber to provide steady, lasting energy throughout the day.

The conversation also highlighted several key nutrient deficiencies that commonly contribute to fatigue, including low iron, vitamin B12, folate, vitamin D, and magnesium. Staying well-hydrated and limiting ultra-processed foods can also improve energy while helping reduce inflammation throughout the body. Elizabeth encouraged listeners to focus on lean proteins, healthy fats, colorful fruits and vegetables, high-fiber carbohydrates, and adequate water intake as the foundation for better health. She also reminded listeners that persistent fatigue isn’t always caused by diet alone and may signal underlying medical conditions such as thyroid disorders, diabetes, sleep apnea, anemia, or other health concerns. When fatigue continues despite healthy lifestyle changes, a comprehensive medical evaluation and appropriate laboratory testing can help identify the root cause and guide effective treatment. It’s always a free initial consult call 303-781-5617 or visit their website at www.IntegratedHealthDenver.com.

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Today’s Guests:
On this edition of Water Talk, brought to you by Water Pro’s, host Scott Whatley and Paul “The Waterman” Dowding discussed the importance of understanding what’s really in our drinking water. The conversation focused on disinfection byproducts (DBPs)—chemicals that can form when chlorine or other disinfectants react with naturally occurring organic matter in water. While disinfection is essential for protecting public health, long-term exposure to elevated levels of certain DBPs has been associated with potential health concerns. The program also addressed PFAS, often referred to as “forever chemicals,” which have become a growing concern because they do not easily break down in the environment or the human body. PFAS have been linked to a variety of potential health risks and have been detected in water supplies across the country. Paul explained that although municipal water meets regulatory standards, many homeowners choose additional treatment for greater peace of mind. Technologies such as activated carbon filtration and reverse osmosis can help reduce PFAS, disinfection byproducts, and other contaminants. As always, Water Pro’s encourages homeowners to begin with a free, no-obligation in-home water test to better understand their water quality and determine the best solution for their family’s needs. Call 303-862-5554 for your free in home water test, tell them Scott sent you.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley talk about choosing the right personal injury attorney and how it can make a significant difference in the outcome of your case. On this edition of Legal Talk, host Scott Whatley visits with Kevin Flesch of Flesch Law to break down what every listener should know before hiring legal representation. Not all attorneys are the same—some firms focus on quick settlements, while others prepare every case as if it’s going to trial. That distinction alone can impact how insurance companies respond and how much compensation you may ultimately receive. The conversation highlights key questions to ask during a consultation, including who will actually handle your case, how communication will be managed, and what strategy will be used. Kevin explains the importance of understanding contingency fees, as well as the difference between attorney fees and case costs. He also stresses the value of hiring someone with local Colorado experience who understands the courts, judges, and legal process. Listeners are encouraged to watch for red flags such as poor communication, unrealistic promises, or pressure to settle too quickly. The bottom line: take your time, ask the right questions, and choose an attorney who will truly advocate for you every step of the way. Kevin Flesch and their attorneys represent personal injury victims and people accused of criminal acts throughout the Denver area. It’s always a free consultation at Flesch Law. Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com. Got a legal question? You can now TEXT the Flesch Law Line 24/7 with your legal question: 720-201-8585.

Then it’s Your Legacy Your Way, with Estate Planning Attorney Carolyn Duncan of Duncan Legal. Today we discuss a common misconception—that estate planning is only for older or wealthy individuals. The truth is, planning early is one of the smartest financial and personal decisions young adults can make. Carolyn explains that estate planning isn’t just about distributing wealth—it’s about control and protection. Even in your 20s or 30s, having key documents like a will, powers of attorney, and healthcare directives ensures your wishes are honored if something unexpected happens. Without these in place, families can face unnecessary stress, legal complications, and court involvement during already difficult times. The conversation also highlights real-life scenarios where young adults benefit from planning—whether it’s protecting minor children, outlining medical decisions, or managing digital and financial assets. Life changes such as marriage, homeownership, or starting a family make having a plan even more critical. The key takeaway: estate planning isn’t about age—it’s about being prepared. Starting early provides peace of mind and builds a strong foundation that can grow and adapt with you over time. Carolyn says her motto is “Helping People Solves Life’s Puzzles.” Visit www.DuncanLegal.com and get your free Guide Estate Planning Basics”. Free half-hour consult call 303-394-2358.

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Today’s Guests:
It’s the “Just Try It” Radio Show brought to you by e-Bike of Colorado! Randy Caranci, Owner of e-Bike Of Colorado joins us as the largest retailer in Colorado of E-bikes. On today’s episode, we are live from the World Headquarters of eBike of Colorado, Host Scott Whatley sits down with Owner Randy Caranci and Special Guest AJ Milam, current customer of eBike of Colorado. AJ shares his “eBike of Colorado experience” from the sales to the purchase. AJ also talks about the trail system for the test rides and how that is “priceless”! The Colorado State Rebate is $225 and most manufacturers, Randy matches the $225, see store for details. So many benefits when you buy at eBike of Colorado, Randy explains the Club Membership and Tire Protection Program. Come and see for yourself why EBike of Colorado is the largest eBike dealer in Colorado. At e-bike Of Colorado their goal is to find you the right bike, not sell you a bike. Check out the website at www.EbikeofColorado.com.

Then it’s Listen Up, with Dr. Melissa Fling, Owner of Custom Ear Solutions. Dr. Fling encourages everyone to get a hearing exam. She offers a comprehensive test for only $200.00. Hearing loss is serious and you must get a baseline, and then you can evaluate your hearing every year. The mission of Custom Ear Solutions is to Protect the hearing you have, invest in your hearing health. Book your hearing exam today with Custom Ear Solutions. Whether you need hearing protection for shooting, loud machinery or you just want to block out noise for a better nights sleep, call Custom Ear Solutions at 720-839-7705 and check out the website at www.CustomEarSolutions.com.

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Today’s Guests:
On this 8/4/26 edition of Your Money Matters, brought to you by Affordable Interest Mortgage, Host Scott Whatley talks with owner Kurt Rogers, about one of the biggest questions facing today’s homebuyers: Should you buy now or wait? Kurt explained that the answer depends on several factors, including where interest rates may go over the next year, whether home values will continue to appreciate, and the possibility that mortgage rates could actually increase. Using real-world examples, he demonstrated how even modest home appreciation can offset potential savings from waiting for lower interest rates. The program also explored how buyers can position themselves for the best financing opportunities by understanding their budget, down payment options, credit scores, and available loan programs, including first-time homebuyer programs, FHA, VA, and buydown options. Kurt highlighted the advantages of working with a mortgage broker versus a traditional bank, emphasizing access to multiple lenders, competitive pricing, specialized loan programs, and personalized service. The show concluded with an explanation of how seller concessions can significantly reduce upfront costs and reviewed the key steps prospective buyers can take to improve their credit scores before purchasing a home. Whether buying or refinancing, being prepared financially and informed about your options can save thousands and lead to a much more confident decision. Kurt Rogers is our exclusive Mortgage Broker. Call Kurt at (720) 895-0500 and explore your mortgage refinance options if you have high interest debt! Kurt is saving real clients, real money! Check out the website at www.aimortgage.net. Affordable Interest Mortgage – Powered by IMB #2191655. NMLS 217147. Equal Opportunity Lender. MLO #100020228.

Then it’s Medicare & More brought to you by Silver Sherpa Inc. On this week’s show Owner Jim Garey invites our listeners to sign up for an upcoming Educational Workshops if you are turning 65 in the next 6 months, and even the 1st Quarter of 2027, don’t delay, get signed up! For a complete list of dates and times visit www.Sherpa123.com click on Events and sign up. There are various times available including Saturdays. Jim warns against using AI to get Medicare advice, you need honest knowledgeable answers, Jim is an Independent Broker, his allegiance is to you, not the Insurance companies! Truly everything about Medicare, Supplement Plans, every letter in the Medicare process is covered in depth. There is no charge for the Workshops, for more information visit www.Sherpa123.com Jim points out these are “Workshops” not “Seminars”, very interactive allowing your questions and concerns. Jim also discusses some of the main stream media hype about Medicare going bankrupt and he sheds some light on Medicare Funding. Jim Garey, your Sherpa is ready to guide you up Mt. Medicare. Jim is an Independent Broker/Agent licensed in 30 States. Call Silver Sherpa Inc today at 303-865-5534.

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Today’s Guests:
Scott visited with Kyle Willi, Owner of LoTech Sales, along with Marketing Manager Brandon Anderson, to discuss how their company has become a leader in personalized kitchen products and promotional items. Since 1983, LoTech Sales has specialized in creating customized cooking utensils, cutting boards, drinkware, serving trays, baking accessories, and other kitchen essentials for businesses, event planners, promotional distributors, and retailers. Kyle and Brandon explained how laser engraving and custom printing allow companies, organizations, and individuals to transform everyday kitchen items into memorable gifts, promotional products, and branded marketing pieces. They highlighted the wide variety of materials, colors, and sizes available, along with flexible ordering options that make personalization accessible for both large and small projects. The conversation also expanded to Kyle’s second business, Vivid Visuals, which specializes in professional vehicle wraps and graphics. While many people think only of cars and trucks, Kyle explained that Vivid Visuals wraps everything from golf carts and trailers to construction equipment such as Bobcats, helping businesses create eye-catching mobile advertising. Together, both companies demonstrate how creative branding and personalization can help businesses leave a lasting impression while providing practical, high-quality products customers use every day.

Then it’s Your Health Matters, brought to you by Integrated Health Systems. Today Dr. Perry Maynard continues the topic of punch biopsy. Dr. Maynard shares a few recent patient stories where this testing was vital in finding out the root cause for the patients symptoms. Dr. Maynard explains one of the most effective ways to diagnose small fiber neuropathy is through a skin punch biopsy, a quick, minimally invasive procedure performed right in the doctor’s office. This specialized test uses a tiny 3-millimeter instrument—about the size of a pencil eraser—to remove a small sample of skin that can be analyzed for the density of the small nerve fibers responsible for sensing pain and temperature. Before the sample is taken, the area is numbed with a small injection of local anesthetic, so while patients may feel a brief sting from the numbing medicine, the procedure itself is typically well tolerated. No stitches are usually required, and the small biopsy site is simply covered with a bandage and allowed to heal naturally. The skin sample is then sent to a specialized laboratory where it is stained and examined under a microscope to count the tiny nerve endings. If the nerve fiber density is lower than normal, it provides strong evidence of small fiber neuropathy. This test is especially valuable for patients experiencing burning pain, tingling, numbness, or unusual sensations in their feet or legs when traditional nerve conduction studies and EMGs appear normal. A skin punch biopsy can provide the answers many patients have been searching for, allowing physicians to make a more accurate diagnosis and develop an appropriate treatment plan. It’s always a free initial consult call 303-781-5617 or visit their website at www.IntegratedHealthDenver.com.

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Today’s Guests:
On this edition of Water Talk, brought to you by Water Pro’s, Paul “The Waterman” Dowding, Owner of Water Pros and Host Scott Whatley,
bring another informative conversation about something every family depends on—clean, healthy water. First we discuss Colorado’s Mobile Home Park Water Quality Act requires state-administered drinking water testing and remediation enforcement for mobile home parks. Key provisions mandate that the Colorado Department of Public Health and Environment (CDPHE) test all park water supplies by 2028, enforce non-compliance penalties up to $10,000 per month, and prohibit passing remediation costs onto residents.

Then we highlight why the water coming into your home may not be as clean as you think. While municipal water meets required treatment standards, it can still contain contaminants such as chlorine, disinfection byproducts, PFAS (“forever chemicals”), pharmaceuticals, microplastics, and other emerging pollutants.

Paul also explains the important differences between water softeners, reverse osmosis systems, and whole-house filtration, helping homeowners understand which solutions address specific water quality concerns. Because every home’s water is different, proper testing is the key to finding the right treatment system instead of relying on guesswork.

Better water benefits your drinking, cooking, bathing, plumbing, appliances—and most importantly, your family’s health.
📞 Call Water Pro’s today at 303-862-5554 to schedule your FREE in-home water test, and be sure to tell them Scott sent you!

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Today’s Guests:
On this episode of the Legal Talk Radio Show on KLZ560AM, host Scott Whatley sat down with Attorney Kevin Flesch of Flesch Law Denver Injury Accident Lawyers, to break down one of the most misunderstood parts of a DUI case — what actually happens after an arrest and the critical timelines that can dramatically impact your future. Many people believe the process simply starts with a court date, but in Colorado, important deadlines begin immediately, including the often-overlooked 7-day window to request a DMV Express Consent Hearing. Missing that deadline can lead to an automatic driver’s license suspension, regardless of what happens in criminal court.

Kevin explains the difference between blood and breath tests, what happens if someone refuses testing, and why DUI cases often involve two separate battles — one with the DMV and another in criminal court. Listeners will also learn what to expect during arraignments, pre-trial conferences, motions hearings, and possible trial timelines, which can stretch several months or longer.

The discussion also highlights how an experienced DUI defense attorney evaluates the details of an arrest, including whether the traffic stop was lawful, if field sobriety tests were administered correctly, and whether breath or blood testing procedures were properly followed. Kevin emphasizes why taking immediate action after a DUI arrest is so important, especially since evidence can disappear quickly and witness memories fade.

This informative episode gives listeners a practical roadmap of the DUI process and explains why early legal guidance can make a significant difference in protecting both driving privileges and legal rights.

Attorney Kevin Flesch of Flesch Law has over 30 years of experience in Denver and throughout the State of Colorado. Kevin Flesch and their attorneys represent personal injury victims and people accused of criminal acts throughout the Denver area. It’s always a free consultation at Flesch Law. Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com. Got a legal question? You can now TEXT the Flesch Law Line 24/7 with your legal question: 720-201-8585.

On this edition of Your Legacy, Your Way, Attorney Carolyn Duncan of Duncan Legal continued answering some of the most frequently asked questions about estate planning, helping listeners understand the tools available to protect their families and their future. Carolyn explained the difference between a will and a trust, noting that while a will is an essential estate planning document, it generally goes through probate after death. A trust, on the other hand, can often help avoid probate, provide greater privacy, and simplify the administration of an estate. She also emphasized that there is no one-size-fits-all solution, and the right plan depends on each individual’s unique goals and circumstances.

The discussion also focused on probate, the court-supervised process of settling an estate. Carolyn explained that probate can be time-consuming, become part of the public record, and involve additional expenses, making proper planning an important way to reduce unnecessary burdens on loved ones.

Listeners also learned about the five essential estate planning documents every adult should have in place: a Last Will and Testament, Financial Power of Attorney, Medical Power of Attorney, Living Will (Advance Directive), and HIPAA Authorization. Finally, Carolyn stressed the importance of reviewing an estate plan every three to five years or whenever major life events occur, such as marriage, divorce, the birth of children or grandchildren, significant financial changes, or relocating to another state. Regular updates help ensure your estate plan continues to reflect your wishes and protect those you love.

For a free half-hour consult, call 303-394-2358. Carolyn says her motto is “Helping People Solves Life’s Puzzles.” Visit www.DuncanLegal.com and get your free Guide Estate Planning Basics”. Be sure and get your free Guide Estate Planning Basics.

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Today’s Guests:
It’s the “Just Try It” Radio Show brought to you by e-Bike of Colorado! Randy Caranci, Owner of e-Bike Of Colorado joins us as the largest retailer in Colorado of E-bikes. On today’s episode, Randy interviews Victoria Whatley, Scott’s wife and a recent happy customer of e-bike Of Colorado on her buying experience from beginning to end at the Louisville location. This is a fun half hour conversation with Randy and Victoria. At e-bike Of Colorado their goal is to find you the right bike, not sell you a bike, they found Victoria the “right” e-bike for her riding level. Check out the website at www.EbikeofColorado.com.

Then it’s “Listen Up” with our Audiologist, Dr. Melissa Fling of Custom Ear Solutions. Today Dr. Fling shares some Provocative Hearing Truths and covers a lot of ground and protecting the hearing you have is so crucial, it determines how you will age later. Dr. Fling says hearing loss is the only chronic health condition most people wait a decade to treat. Listen you your spouse, if they say please get a hearing test, you probably should. A few other talking points, “Ringing in the ears is not normal”, get it checked. If you are saying I can hear you, I just can’t understand you, that’s hearing loss. Book your hearing exam today with Custom Ear Solutions. Whether you need hearing protection for shooting, loud machinery or you just want to block out noise for a better nights sleep, call Custom Ear Solutions at 720-839-7705 and check out the website at www.CustomEarSolutions.com.

In our final segment, Anthony Pace, Founder of Freedom Hunters tells us about the upcoming Freedom Hunters Classic Golf Tournament at Arrowhead Gold Club. For more on Freedom Hunters check out www.FreedomHunters.org.

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