Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley talk about the different categories of criminal charges: infractions, misdemeanors, and felonies. He details how these levels are determined based on the severity of the offense and the potential penalties involved. Kevin also talks about the role of prior offenses and how they work. Repeat offenses can escalate a misdemeanor to a felony or increase sentencing severity. Kevin also gives some insights on how plea bargains work, what you should do if you are charged with a crime.
Kevin also outlines what to look for in a defense attorney: trial experience, reputation, communication skills, and a clear strategy for defense. He emphasizes the importance of trust and attorney responsiveness. 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 why having an Estate Plan is so crucial. Carolyn says Estate Planning ensures your wishes are honored, protects your loved ones, and avoids costly legal issues. It provides clarity on asset distribution, guardianship for minor children, and healthcare decisions. Without a plan, state laws decide your affairs. Planning ahead brings peace of mind and control over your future. 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, Randy Caranci, Owner of e-Bike Of Colorado and host Scott Whatley talk about what it truly means to “E-Bike Responsibly.” E-bikes are one of the most exciting ways to get outdoors, stay active, and simply enjoy life—but with that freedom comes responsibility. Randy emphasizes that safety starts with adults. Parents and experienced riders need to lead by example educating kids on proper riding habits, trail etiquette, speed awareness, and respecting others on paths and roadways. Too often, accidents and negative headlines stem from misuse—not the bikes themselves. Scott and Randy also address a growing issue—misrepresentation in the media. Many reports fail to distinguish between the different classes of e-bikes, leading to confusion and unfair perceptions. Not all e-bikes are the same, and understanding those differences is key to safe and responsible riding. The bottom line? E-bikes are safe, fun, and life-enhancing when used the right way. Ride smart. Ride respectful. And most importantly… just try it! Located at 544 Front St. in Louisville, Colorado. Open 10–7 Mon–Sun for your convenience. Their goal? Find you the RIGHT bike—not just sell you a bike. Check out the website at www.ebikeofcolorado.com.

Then it’s “Listen Up” with our Audiologist, Dr. Melissa Fling of Custom Ear Solutions. On today’s show we cover a lot in today’s show but Dr. Fling is really urging our listeners to come in for her comprehensive hearing exam. When you have a baseline on any health marker, it really help you track your progress, of either getting better, or in this case possibly seeing your hearing decline. The mission of Custom Ear Solutions is to protect the hearing you have left. Dr. Fling offers many solutions. 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 week’s Your Money Matters Radio Show, Host Scott Whatley visits with Kurt Rogers to break down a powerful strategy many homeowners overlook—debt consolidation using their mortgage. Kurt explains that while today’s mortgage rates may be higher than existing first mortgages, the real focus should be on total interest paid and overall household debt, not just rate alone. By calculating a “blended rate”—the combined interest across mortgage, auto loans, and high-interest credit cards—many homeowners are effectively paying far more than they realize. Consolidating that debt into one loan can significantly lower monthly payments, often by hundreds of dollars, while reducing total interest and accelerating payoff timelines. Kurt also highlights how this approach can improve cash flow, boost credit scores, and reduce financial stress—even for those planning to move in a few years. The conversation also covers the advantages of working with an independent mortgage broker, closing cost transparency, and unique tools like reverse HELOC options for homeowners 55+. Call Kurt for your Pre-Approval. 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. is joined by LTC specialist Alex Fekete, tackling one of retirement’s most overlooked risks—Long-Term Care. We had Alex on with us last week, but we had a few more topics to review with him. They emphasize a critical point: Medicare does NOT cover long-term care, including nursing homes, assisted living, memory care, or extended in-home care. Yet, while only about 7% of people over 65 have coverage, more than 70% will need some form of care—creating a major financial gap. In Colorado, nursing home costs average around $128,000 per year and continue to rise. Listeners called in with real concerns—using IRA/401(k) funds for LTC planning, qualifying later in life with health issues, and navigating confusing claims. The message was clear: planning early creates more options and less stress.
Bottom line—LTC planning isn’t just for retirees. It’s for anyone 40+ who wants to protect their savings and family. Silver Sherpa offers independent, personalized guidance to help you plan with confidence. Jim Garey, Silver Sherpa Inc is standing by to answer all your questions.

⛰️ Don’t climb Mt. Medicare alone.
Visit www.Sherpa123.com and click on the Events tab to reserve your seat at an upcoming Educational Seminar.

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Today’s Guests:
In this interview, Dr. Carl Rebhun, a board-certified ophthalmologist specializing in Oculofacial Plastic Surgery, explains the unique blend of precision, artistry, and medical expertise required to care for the delicate structures around the eyes and face. He clarifies that oculofacial plastic surgery differs from general plastic surgery because of its intense focus on the eyelids, brows, tear ducts, and surrounding facial structures areas that directly impact both vision and appearance. Dr. Rebhun discusses how procedures such as eyelid surgery are often more than cosmetic. Drooping eyelids and brow descent can significantly impair vision, cause eye strain, and diminish quality of life. He also highlights his work in reconstructive surgery following Mohs procedures for skin cancer, helping patients restore both function and natural appearance after tumor removal. A key theme throughout the conversation is achieving “natural results.” Dr. Rebhun emphasizes subtle enhancements that refresh a patient’s look without creating an overdone appearance. He also addresses common misconceptions about Botox® and fillers, noting that when performed properly, non-surgical treatments can be safe, effective, and conservative. Drawing from elite training at Vanderbilt University, Tufts School of Medicine, NYU, and a prestigious ASOPRS fellowship, Dr. Rebhun underscores the importance of patient safety, individualized treatment plans, and compassionate care in helping patients look and feel their best. Call Colorado Eye Consultants and schedule your appointment with Dr. Rebhun 303-730-0404.

Then it’s Your Health Matters, brought to you by Integrated Health Systems. In this interview, Functional Nutritionist Elizabeth Mahnke explains why blood sugar regulation is vital—even for non-diabetics. She highlights how spikes and crashes can lead to fatigue, cravings, inflammation, and long-term health risks. Elizabeth introduces Continuous Glucose Monitors (CGMs) as powerful tools for real-time insight into how food, stress, and sleep impact glucose. Ideal for prediabetics, athletes, and anyone curious about metabolic health, CGMs reveal surprising trends and empower smarter dietary and lifestyle choices. Always a free consultation 303-781-5617. It’s always a free initial consultation call 303-781-5617. Visit their website at www.IntegratedHealthDenver.com.

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Today’s Guests:
On this episode of Water Talk, Paul “The Waterman” Dowding, Owner of Water Pros reports that our HHS Secretary RFK Jr made a major announcement for “Make America Healthy Again”, about Microplastics. Microplastics are found in our Food, Water and even the Air we breathe. The study will receive an investment of $144 Million dollars. Also a new recent Colorado Bill HB26-1145, passed in April 2026, strengthens protections for mobile home park water quality by enforcing stricter testing, increasing landlord fines for violations, and ensuring mandatory, accurate billing for water usage. The bill allows the state to force repairs for unsafe water, including poor smell or contaminants. Paul the Waterman offers a 3 Stage R/O System for $1100 installed. Call Water Pro’s today for your free in home water test, call 303-862-5554.

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Today’s Guests:
On this episode of Legal Talk, host Scott Whatley sat down with Kevin Flesch of Flesch Law explains why having a personal injury attorney who is willing to sue the insurance company and go to court can make a critical difference in the outcome of a case. Kevin begins by addressing a common misconception that insurance companies will fairly settle injury claims on their own. In reality, insurance companies are for-profit businesses focused on minimizing payouts, and they closely track which attorneys are willing to file lawsuits and take cases to trial. Kevin explains that insurance companies evaluate claims based on risk, not fairness. One of their first questions is whether the injured person’s attorney is truly prepared to go to court. If the answer is no, settlement offers are often significantly lower. Once a lawsuit is filed, the dynamic changes dramatically. Court deadlines apply, evidence must be disclosed, depositions occur, and defense attorneys replace adjusters introducing real financial risk for the insurer. The discussion also highlights why some attorneys avoid trials and how that reluctance can hurt clients by undervaluing medical care, lost income, and long-term impacts. Kevin closes by encouraging listeners to ask direct questions before hiring an attorney, emphasizing that trial readiness protects an injured person’s present needs and future security. 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 episode of Your Legacy Your Way, Attorney Carolyn Duncan of Duncan Legal talks about how adult children can encourage their parents to create an estate plan. Many parents avoid the conversation because it forces them to think about aging, illness, and death, or they believe estate planning is only necessary for wealthy families. Duncan explains that estate planning is really about making things easier for loved ones, not just about passing along assets. She encourages adult children to approach the topic with care and concern rather than pressure, focusing on honoring their parents’ wishes and protecting the family from future complications. Without a plan in place, the state may determine how assets are distributed, medical decisions can become complicated, and families may face costly probate proceedings. Duncan emphasizes that having a will, powers of attorney, and possibly a trust can prevent confusion and conflict, making estate planning one of the greatest gifts parents can leave their children. 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 Caranci, Owner of e-Bike Of Colorado joins us and Perry the Sales Manager for EBike of Colorado. Perry gives us a look to their sales process, and he quickly points out, it really a gathering information process. Perry says it equates to more of an interview with each and every customer to ensure they make a great buying decision. Randy once again brings up Segway, “a lot of bike for really a “budget friendly” price point. EBike of Colorado is still offering to match the State rebate so take advantage of the $450 Rebate at time of purchase. Whether you’re cruising snowy paths or prepping for spring trails, e-bike of Colorado delivers top-notch service and truly takes care of their customers. Located at 544 Front St. in Louisville, Colorado. Open 10–7 Mon–Sun for your convenience. Their goal? Find you the RIGHT bike—not just sell you a bike. Check out the website at www.ebikeofcolorado.com.

Then it’s “Listen Up” with our Audiologist, Dr. Melissa Fling of Custom Ear Solutions. On today’s show we give you a brief overview of the products available at Custom Ear Solutions. Book your hearing exam today! 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.

Then it’s Chris Nelson, President of Freedom Service Dogs. Freedom Service Dogs transforms lives by partnering people with custom trained dogs. Chris shares all about the Program and how you can help. Chris also invites you to join us at Faces of Freedom Clay Shoot June 26, 2026. Tune in for details.

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Today’s Guests:
On this week’s Your Money Matters Radio Show, Kurt focused on three strategies buyers should understand in today’s market, Seller Concessions, Bridge Loan Options, and Loan Programs. Smart strategy makes all the difference in 2026. Call Kurt for your Pre-Approval. 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. is joined by LTC expert Alex Fekete to break down one of the most overlooked risks in retirement—Long-Term Care.

💡 Medicare does NOT cover Long-Term Care, including:
✔️ Nursing homes
✔️ Assisted living
✔️ Memory care
✔️ In-home care

📊 The reality:
Only ~7% of people over 65 have coverage… yet over 70% will need care. That gap can be costly.

💰 In Colorado, nursing home care already averages $128K/year—and rising fast.

📞 Real callers joined the show:
➡️ Can IRA/401(k) funds be used for LTC? Yes—there may be smart strategies
➡️ Is it too late to qualify at 64 with health issues? Not always—but waiting reduces options
➡️ Families often face confusion during claims—planning ahead makes all the difference

🔑 Key takeaway: LTC planning isn’t just for retirees—it’s for anyone 40+ who wants to protect their future and their family.

🤝 Why Silver Sherpa?
✔️ Independent guidance (no cost to you)
✔️ Personalized plans for YOUR situation
✔️ Help beyond Medicare—including LTC planning

⛰️ Don’t climb Mt. Medicare alone.
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:
Allen Stack, Owner of Stack Optical. How long has it been since you have had an Eye Exam? Allen has kept his price $69 for your complete exam. A “contact exam” is $99.00. If you own glasses probably they have needed repaired at one time or the other. Stack Optical can handle all of your needed repairs. The ne thing Allen warns against using is super-glue, DO NOT use it, just some tape. Tints, Allen explains some different tints and what works best in different settings, like for golf, hunting, skiing, shooting etc. Stack Optical specializes in hard Prescriptions, with their onsite lab, you will have your glasses in most cases 3-4 days. Sunglasses, Contacts, Eyeglasses. Check out the great Google reviews at www.StackOptical.com.

Then it’s Your Health Matters brought to you by Integrated Health Systems. Today, Dr. Shane Steadman talks about Auto Immune Diseases. Dr. Steadman explains this proper diagnosis takes time. Dr. Steadman dives in to explain Auto Immune conditions, what triggers it, common symptoms, treatments and testing at Integrated Health Systems. While Auto Immune conditions can’t be cured, with proper treatment they can be managed. 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 episode of Water Talk, Paul “The Waterman” Dowding, Owner of Water Pros explains that Colorado is the “headwaters” state for much of the western and central United States. That means that most of its rivers begin in the Rocky Mountains and flow across state lines. Four of the nation’s major rivers originate in Colorado: the Arkansas, Colorado, Platte, and the Rio Grande. Only the Green River, the Little Snake River, and Costilla Creek flow into the state, and then only for short stretches.

Rivers are the predominant water source for Coloradans. This water is highly prized because it starts as pristine high-quality snowmelt, not yet used and reused by others. Colorado has nine major river basins, which include the Arkansas, Colorado, Gunnison, North Platte, Republican, Rio Grande, South Platte, Dolores/San Juan/San Miguel, and the Yampa/White/Green. Each basin relies on a mixture of rain, snow and groundwater to fill its rivers and creeks. Likewise, each basin hosts a distinct range of water uses that help shape Colorado’s overall identity. Paul explains if drought and climate change continue to sap the river’s flows, and a legal crisis erupts with downstream states, six of the state’s eight major river basins could be forced to give up water. The Front Range and Eastern Plains are most vulnerable if shortages hit the river downstream and could lose as much as 97 percent of their Colorado River supplies.

Also, Well Water customers already have experienced running low on water, effecting their water quality. Call Water Pro’s today for your free in home water test, call 303-862-5554.

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