Today’s Guests:
On this week’s Your Money Matters Radio Show, Kurt talked about a program many homeowners may already qualify for — Streamline Refinances for those with an FHA or VA loan. A Streamline refinance is designed to make refinancing simpler, faster, and more affordable. In many cases, homeowners can refinance without an appraisal, without income documentation, and without increasing their base loan amount, as long as the new loan lowers the interest rate and payment. Depending on the loan balance and rate improvement, many homeowners may see monthly savings between $125–$300, making this a simple way to improve cash flow. We also discussed common questions about Streamlines, including how often they can be used when rates improve and the typical 7-month seasoning requirement before refinancing. Beyond Streamlines, Kurt also talked about financing strategies like reverse HELOC options for homeowners 55+, investment property opportunities in today’s buyer-friendly market, and why working with an independent mortgage broker can provide access to more lenders and loan options. If you currently have an FHA or VA loan, it may be worth exploring whether a Streamline refinance could help lower your rate and monthly payment. 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., opens the show with an important reminder: Medicare education matters—and the right guidance can make all the difference.
🎓 Educational Medicare Seminars – Now Scheduling for 2026. Jim shares details on upcoming no-cost Educational Medicare Seminars designed to help individuals and couples better understand their Medicare options and avoid costly mistakes.
✔️ Clear explanations of Medicare Parts A, B, C & D
✔️ Guidance for those turning 65 or already on Medicare
✔️ No pressure, no sales—just education
✔️ Personal questions answered in a friendly setting
👉 Registration is required
Visit www.Sherpa123.com and click on the Events tab to find a seminar location that works for you. We also have a special guest with us, Pamela Kidd – Advocating for Our Veterans, Jim is joined by Pamela Kidd, Founder of USA Benefits for Veterans, LLC. Pamela shares her personal story and what inspired her mission to serve Veterans and their surviving spouses. Pamela explains how many Veterans are not receiving the full benefits they have earned, simply because they don’t know what’s available—or how to access it. Her work focuses on education, advocacy, and helping families navigate benefits with confidence and dignity. This powerful interview highlights:
✔️ Commonly overlooked Veteran benefits
✔️ Support for surviving spouses
✔️ One-on-one guidance from someone who truly understands the system
Reach out to 📞 Pamela Kidd 303-946-2696 – 📧 Pam@usabenefitsforveterans.net
🤝 Why Clients Trust Silver Sherpa
At Silver Sherpa, Jim and Dylan work for YOU, not the insurance companies.
✔️ Jim is an independent broker — no cost to you
✔️ Same exact pricing as going directly to Aetna, Humana, UnitedHealthcare, and more
✔️ As a Baby Boomer himself, Jim understands real-life retirement challenges
✔️ Silver Sherpa, Inc. is an Accredited Member of the BBB with an A+ Rating, with over 159 FIVE STAR ratings, reflecting a strong commitment to trust, transparency, client advocacy, and doing what’s right for clients
⛰️ Don’t climb “Mt. Medicare” alone. Let Silver Sherpa guide you—every step of the way in 2026 and beyond.
Let Jim walk beside you, explain your options, and help you reach the summit with confidence.
👉 Register today: www.Sherpa123.com
📞 Call or Text Jim: 303-865-5534
We can’t wait to see you at an upcoming workshop! 😊

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Today’s Guests:
A couple of months ago, I decided to have my eyes checked for cataracts. I was referred to Colorado Eye Consultants and Dr. Robert Fish, from a very well respected Eye Surgeon who simply told me, Dr. Fish is the best. So I’m very happy to report, I have completed the surgeries, and wow, I am very pleased. So I wanted to bring to our listeners an interview with Dr. Fish, of Colorado Eye Consultants.
Dr. Fish tells us about his credentials and their philosophy about customer care at Colorado Eye Consultants. Dr. Fish also walks us through the cataract surgery process and the different options that are available today. I commented to Dr. Fish on how convenient their office is, where the medical side of the practice is connected to the Surgery Center, along with an Optical Center. If you have been considering Cataract Surgery, I highly recommend Dr. Fish and Colorado Eye Consultants.

In our final half hour it’s Your Health Matters, brought to you by Integrated Health Systems. Today Dr. Shane Steadman talks TBI Awareness. Over 53 million Americans are living with a permanent brain injury. About 3 million Americans sustain a brain injury each year. The leading cause of Traumatic Brain Injury is Motor Vehicle Accidents. 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, joins us and talks about the water problems currently in Castle Rock, CO. Many people are complaining about the chlorine smell and taste, and yes many are having health problems due to this problem. We take a call from Karen who purchased from Water Pro’s and she lays out all of her concerns she had for her water and after visiting with Paul the Waterman she knew Paul took the time to educate her and she knew the Water Pro’s system was her choice for delivering high quality water to her home for their family. Paul also talks about the importance of transparency in pricing, no gimmicks, no “smoke and mirrors” just an honest presentation and making the customer a fair deal is the Water Pro’s way. Call 303-862-5554 for you free in home water test.

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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 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.

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Today’s Guests:
On this week’s Your Money Matters Radio Show, Kurt answered a common question from his clients – from homeowners and buyers alike:
“Are there loans that can help me buy or refinance a home and pay for improvements?” The short answer is yes — rehab loans, and there are several types depending on your goals. We talked about how rehab loans can be used for both purchases and refinances, whether you’re updating a home to live in long-term, increasing value to sell, or improving cash flow. These loans are available through Conventional, FHA, VA, and USDA programs, and they can be customized to fit your situation. Kurt explained the difference between Limited Rehab loans and Full Rehab loans:
🔨 Limited Rehab loans are designed for non-structural updates like kitchens, bathrooms, flooring, appliances, windows, roofing, HVAC, plumbing, electrical, and even finishing a basement — with up to $75,000 built in.

🏗️ Full Rehab loans go further and can include structural changes, room additions, and major renovations, with loan amounts based on the future appraised value of the home.

We also discussed ADUs (Accessory Dwelling Units) — how zoning plays a role and how rehab financing can help homeowners add space for family or rental income.

Kurt explained when you can do some work yourself versus when a licensed contractor is required, how rehab funds are released, and walked through real-world examples showing how future value plays into loan approvals.

Finally, we touched on home appreciation, why condition matters more than headlines, and why short-term market noise shouldn’t distract you from long-term value and wealth building. 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., opens the show to have a meaningful conversation about the deeper meaning behind the name Medicare & More. Jim shared that a recent listener asked about the “More” in the show’s title, which led him to dedicate part of the episode to explaining what the “More” represents from a Biblical perspective. Jim shared a recent moment outside King Soopers where he helped a hungry man with a sandwich and a Dr Pepper and prayed with him. He reflected on scriptures from 1 Chronicles 16 and Psalm 105:4-5, reminding listeners to seek the Lord and remember His works. For Jim, the “More” represents opportunities to serve others and make a difference in everyday moments.

Jim also reminded listeners that Educational Medicare Seminars are back in full swing for 2026.

✔ Clear explanations of Medicare Parts A, B, C & D
✔ Designed for those turning 65 in 2026
✔ Help for those unexpectedly laid off and needing Medicare guidance
✔ No pressure, no obligation — just education

👉 Registration is required.
Visit www.Sherpa123.com
and click the Events tab to reserve your seat.

⛰️ Don’t try to navigate Mt. Medicare alone — let the Silver Sherpa team guide you. 🎧

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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, joins us to share his vast knowledge about water and the products and services he offers. Call 303-862-5554 for you free in home water test.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley discuss how criminal defense attorneys actually work with District Attorneys on charges and plea deals. Contrary to what television portrays, most criminal cases never go to trial. Instead, they are resolved through negotiation — and credibility, preparation, and strategy play a critical role. Kevin explains how charges are formally filed after an arrest, why initial charges are often more severe than the final outcome, and how early legal intervention can significantly impact a case. He outlines how defense attorneys review evidence, identify weaknesses, file motions, and negotiate for reduced charges, sentencing concessions, or deferred judgments. The discussion also highlights why a lawyer’s reputation for being trial-ready can influence negotiations and why the first plea offer is rarely the best one. Kevin explains when negotiations break down and what factors determine whether a case proceeds to trial. The key takeaway: criminal law is not about courtroom drama — it’s about strategic decision-making. If you or a loved one faces charges, acting quickly and securing experienced legal counsel can make all the difference. 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. Today Carolyn outlines the biggest estate-planning mistakes and how to avoid them. Common errors: no plan, failing to update after marriage, divorce, or births, mismatched beneficiary designations, overlooking incapacity planning, DIY documents that don’t meet Colorado law, poor asset titling, ignoring taxes, and keeping plans secret. Her fixes: create a will or trust tailored to your family, add medical powers of attorney and a living will, review beneficiaries and titles on accounts, coordinate assets with the plan, address taxes with professional guidance, tell fiduciaries where documents are kept, and review the plan every two years regularly. Carolyn offers a free 1/2 hour consultation, call 303-394-2358. Visit the website at www.duncanlegal.com.

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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. Randy share that the “Matching Rebate” is still on! It’s a $450 Rebate at the time of sale on qualifying bikes. All you have to do is test ride 3 bike brands and you get the $225 rebate match. EBike of Colorado has a great selection of brands and styles, ready for you to take ride. Remember they service all bikes, not just e-bikes and their Service Special is still on, see store for details. The EBike of Colorado Group Rides are coming back soon, follow their social media page for more details. Ask about their Club Membership! “Just Try It”, take a test ride and feel like a kid again. Located at 544 Front St. in Louisville, CO and open 10-7 Mon-Sun for your convenience! “Just Try It!” Check out the website at www.EbikeofColorado.com.

Then it’s “Listen Up” with our Audiologist, Dr. Melissa Fling, and Owner of Custom Ear Solutions. In today’s show, Dr. Fling brings her passion and knowledge for protecting your hearing. Custom Ear Solutions is your one stop shop for preventative hearing care and solutions customized just for you. 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! Stop by today 15201 E Smoky Hill Dr. and tell them Scott sent you.

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