Today’s Guests:
On this week’s Your Money Matters Radio Show, Host Scott Whatley sat down with Kurt Rogers, Owner of Affordable Interest Mortgage, to break down the key factors every current or future homeowner should understand before choosing a mortgage. Kurt explained the differences between conventional, government-backed, and non-QM loan programs, including FHA, VA, USDA, DSCR, reverse mortgages, bridge loans, and rehab financing. He emphasized that selecting the right loan is not always about chasing the lowest rate, but matching the loan to your long-term goals, expected time in the home, monthly payment comfort, and overall costs. The conversation also covered how mortgage rates are determined, including the impact of FICO scores, loan-to-value ratios, loan type, and loan terms. Kurt discussed why maintaining strong credit and understanding debt-to-income ratios can significantly affect borrowing options. The show also highlighted the long-term benefits of homeownership, from building equity and financial return to creating stability and personal memories. Listeners also learned about buydowns and the “All In One Loan” concept as tools to potentially improve cash flow and financial flexibility. 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:
Allen Stack, Owner of Stack Optical says now is the time to call Stack Optical and get your Eye Exam scheduled for only $69.00. Allen shares some insights on tint colors and with his onsite lab, you can usually get your new glasses in just 2-3 days. Stack Optical handles Repairs and difficult Prescriptions. Allen also says be very careful when ordering glasses online, there is so much that goes into a pair of glasses fitting you perfectly. For over 58 years Stack Optical has been serving Coloradans. At Stack Optical you will see the difference, call 303-321-1578. www.stackoptical.com.

In our final half-hour it’s Your Health Matters, brought to you by Integrated Health Systems. Then it’s Your Health Matters, brought to you by Integrated Health Systems. Today, Functional Nutritionist, Elizabeth Mahnke is with us to discuss a variety of popular diets and Elizabeth addresses some of the pros and cons of each. It’s always a free initial consult call 303-781-5617or visit their website at www.IntegratedHealthDenver.com.

In our final half hour, It’s Your Health Matters brought to you by Integrated Health Systems. Most people understand the importance of heart health, but few realize how critical healthy blood flow is to every organ and tissue in the body. On this edition of Your Health Matters, Dr. Perry Maynard of Integrated Health Systems joins us to discuss blood flow, circulation, and how reduced blood flow may impact energy, memory, balance, healing, and overall health. We’ll also learn about a new Doppler testing system now available at Integrated Health Systems that allows clinicians to evaluate blood flow in a safe, non-invasive manner. 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 the latest edition of Water Talk, Paul “The Waterman” Dowding of Water Pro’s⁠ focused on growing concerns surrounding contaminants that may be present in our drinking water and what consumers should know to better protect their families. The discussion highlighted substances such as PFAS “forever chemicals,” microplastics, pharmaceuticals, hormones, and other emerging contaminants that may still be found in water supplies despite not being fully regulated under current federal standards.

The program examined research showing how trace amounts of medications can enter source water through wastewater systems. Although these contaminants are often measured in extremely small amounts, scientists continue to study the potential effects of long-term exposure and the process of bioaccumulation, where certain chemicals may gradually build up in the body over time.

Paul emphasized that consumers should not live in fear, but rather become educated about the quality of their water and understand the limitations of traditional treatment methods. The show also explored practical solutions available to homeowners, including reverse osmosis systems, activated carbon filtration, and whole-home water treatment technologies designed to reduce a broad range of contaminants.

As always, the mission of Water Talk is education—not fear—empowering listeners to make informed decisions about the water they use every day. To learn more about your own water quality, call Water Pro’s and take advantage of their free in-home water test, helping you discover what may be in your water and what options are available for cleaner, healthier water for your family. Call 303-862-5554, tell them Scott sent you.

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Today’s Guests:
On this episode of Legal Talk, host Scott Whatley sat down with Kevin Flesch of Flesch Law to talk about “Personal Injury”, law and while many people immediately think of car accidents, personal injury claims can arise from numerous circumstances, including truck and motorcycle crashes, slip-and-fall accidents, dog bites, unsafe property conditions, defective products, nursing home negligence, and even wrongful death cases. Personal injury law covers a wide range of situations where someone suffers harm because of another person’s negligence, recklessness, or wrongful conduct. A personal injury case is not limited to visible injuries such as broken bones. Victims may also experience traumatic brain injuries, neck and back injuries, chronic pain, emotional distress, lost wages, reduced earning capacity, and ongoing medical expenses. The impact of an injury often extends far beyond the initial accident and can affect a person’s health, finances, and quality of life for years. The purpose of a personal injury claim is to help an injured person recover compensation for losses caused by someone else’s actions. This may include payment for medical treatment, future care needs, lost income, pain and suffering, and other damages. Understanding what qualifies as a personal injury claim is important, as many people may have legal rights they are unaware of following an accident or injury.

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 when someone passes away with a will, many people assume their assets automatically transfer to their family. However, Carolyn explains that a will does not avoid probate. Instead, a will provides instructions to the court about how a person’s assets should be handled and who should be responsible for managing the estate. The probate process typically begins when the will is filed with the probate court. The court then formally recognizes the person named in the will as the personal representative, sometimes called the executor. This individual is responsible for managing the estate’s affairs. Their duties include identifying and gathering assets, notifying creditors, paying outstanding debts and taxes, and eventually distributing the remaining assets according to the instructions in the will. Even when everything goes smoothly, probate can take several months and sometimes longer depending on the complexity of the estate or if disputes arise among heirs. Carolyn emphasizes that while having a will is far better than having no plan at all, it may not be the most efficient option for every family. Many people choose to incorporate trusts into their estate plans to help avoid probate and simplify the transfer of assets. The most important step, she says, is creating a clear plan so loved ones are protected and unnecessary stress is avoided. 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 and host Scott Whatley talk about e-biking responsibly. Scott mentioned a News story this morning where the Reporter stated the problem is not “regular e-bikes”, the problem is modified and e-bikes and motorized bikes. Scott also shared how a listener ask about Randy’s secret for finding great employees. Almost every show Randy mentions the great Staff at EBike of Colorado so Randy shares a few thoughts about his philosophy on hiring employees. Randy encourages our listeners to take advantage of the matching Rebate, a total of $450 off of your purchase right at the counter. If your bike needs service call EBike of Colorado. 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. Call them at 720-739-0299.

Then it “Listen Up” with Dr. Melissa Fling our exclusive audiologist for Haystack Help Radio and Sportsman of Colorado Radio. Today we focused on “Custom fit” and how this what Custom Ear Solutions is all about. Then Dr. Fling once again encourages our listeners to get a comprehensive hearing exam. You must get a baseline of where your hearing is at, you can measure your hearing loss year by year if you don’t have a baseline. Invest in your hearing health today, schedule your hearing test now call 720-839-7705 and check out the website at www.CustomEarSolutions.com.

In our final segment we stopped by our friends at D Hand Full Service Car Wash & Detail Center – Smoky Hill location. Are you ready for your vehicle to look brand new again? Does your interior need the professional cleaning? Today, owner Aldrick Carrasco joins us and talks about their different Packages and if your vehicle needs a complete detail, the folks at D Hand are ready to help. I have been having our vehicles cleaned at D Hand for 2 years and they are amazing! We also have a great testimonial who has been using D Hand for a very long time, you will why we love the team at D Hand! Stop by today 15201 E Smoky Hill Dr. and tell them Scott sent you.

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Today’s Guests:
On this week’s Your Money Matters Radio Show, Kurt focused on Reverse Mortgages with guest Mike Genova. 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:
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.

In our final half hour, It’s Your Health Matters brought to you by Integrated Health Systems. Most people understand the importance of heart health, but few realize how critical healthy blood flow is to every organ and tissue in the body. On this edition of Your Health Matters, Dr. Perry Maynard of Integrated Health Systems joins us to discuss blood flow, circulation, and how reduced blood flow may impact energy, memory, balance, healing, and overall health. We’ll also learn about a new Doppler testing system now available at Integrated Health Systems that allows clinicians to evaluate blood flow in a safe, non-invasive manner.

Dr. Maynard will explain how Doppler technology works, who may benefit from testing, and why identifying circulation issues early can be an important step toward preventing more serious health concerns. Whether you have risk factors such as high blood pressure, diabetes, elevated cholesterol, or simply want a better understanding of your vascular health, this conversation offers valuable insight. Join us as we explore how healthy circulation supports healthy living and how advanced testing may help uncover problems before they become symptoms. 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 talks about what type of Water Filtration Systems does Water Pro’s offer? Today Paul the Waterman walks us thru some of the products Water Pros offers and yes they are made in the USA!
First we break the news that Water Pros is now offering a great R/O system for those who may be living in Apartments, Townhomes and even RV/Camper owners. It’s the Fresh Stream Tankless R/O System from Kenai, brought to you by Water Pro’s. This compact, tankless system is designed perfectly for renters and anyone who wants fresh, clean drinking water without bulky equipment or hassle. And right now, it’s a great deal… normally $2,400, now just $1,800 installed. Paul also talks about the more traditional systems, call now for your free in home water test 303-862-5554.Call Water Pro’s today and ask about the Fresh Stream Tankless R/O System from Kenai. Water Pro’s—Your Home… Your Health… Your Water.

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Today’s Guests:
On this episode of Legal Talk, host Scott Whatley sat down with Kevin Flesch of Flesch Law to discuss what people should know and do after an accident. The conversation made it clear that what happens in the first hours and days after an injury can significantly impact a claim.
Kevin emphasized that insurance companies are businesses focused on minimizing payouts, not ensuring fairness. One of the biggest mistakes people make is giving recorded statements too quickly or assuming the insurer will “take care of everything.” He explained that insurers evaluate risk especially whether an attorney is willing to file a lawsuit and go to court if necessary. The interview also covered what makes a case strong, how contingency fees work, and when it’s critical to hire legal representation. Kevin advised listeners to prioritize medical care, document everything, and seek experienced legal guidance early. The key takeaway: protect your health first, don’t navigate the insurance process alone, and understand that having an attorney who is prepared to litigate can make a meaningful difference in the outcome of your case. 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 crucial Estate Planning is and it ensures your assets are distributed as you wish, protects your loved ones by appointing Guardians and Caregivers. It can also minimize taxes and legal fees, and avoids the Probate process. It’s a roadmap for your legacy, ensuring your final wishes are honored and not dictated by the State. 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 and host Scott Whatley talk about some select models where you can save several thousand dollars and EBike of Colorado is still matching the State of Colorado Rebate of $225 at the time of sale. Randy can’t do a show without mentioning his phenomenal Staff. If you bike needs service call EBike of Colorado. 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. Call them at 720-739-0299.

Then it’s “Listen Up” with Dr. Melissa Fling, Owner of Custom Ear Solutions. Dr. Fling saw a huge lack of awareness surrounding hearing protection and custom-fitted options. She is passionate about prevention, as loud sound-induced hearing loss and tinnitus are still among the top health conditions in this country, and they are completely preventable in most cases. Not only has loud sound-induced hearing loss affected adults for decades, but with the advent of gaming headphones and Bluetooth capable earbuds, it is beginning to affect our children as well. As an audiologist, Dr. Fling has seen firsthand how hearing loss and tinnitus can challenge communication, social connections, mental health and livelihood. In this endeavor, she has become dedicated to educating and helping to preserve your hearing health, so that you can continue to enjoy your life and your activities. It all starts with a hearing exam to get a true baseline of your hearing health. www.CustomEarSolutions.com.

In our final segment Austin Parr, Owner of Discount Fishing Tackle joins us to encourage our listeners to stop by Discount Fishing Tackle and sign Initiative 302. Colorado Initiative 302 is a proposed constitutional amendment that would enshrine the right to hunt, fish, and harvest wildlife as a fundamental right for all state residents. Backed by the T. Roosevelt Conservation Alliance, the measure seeks to establish hunting and fishing as the preferred methods for responsibly managing wildlife populations. Discount Fishing Tackle 2645 S. Santa Fe in Denver.

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