Today’s Guests:
Dan Johnson, GM of Len Lyall Chevrolet joins us and Dan says come on out and check out the deals available now at Len Lyall. Dan says they have 0% Financing on several models WAC. If you have a car that you are not using anymore, call Dan as he is in the market for clean pre-owned vehicles. The Service Department at Len Lyall does a great job and now is the time for new tires, Buy 3, get 1 free at Len Lyall Chevrolet. Winter is on its way, don’t forget the Body Shop works on all makes and models. Drive East and pay the least at Len Lyall Chevrolet. How would you like your vehicle to look brand new again? After, those summer road trips, does your interior need the professional cleaning by D Hand-Full Service Car Wash & Detail Center? Today, owner Aldrick Carrasco joins us in studio 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.

Then it’s Your Health Matters, brought to you by Integrated Health Systems. This interview with Dr. Perry Maynard sheds light on a misunderstood issue: many symptoms people attribute to concussions may actually come from the neck. Scott opens by explaining how whiplash injuries—common in sports, car accidents, and everyday falls—can mimic or even prolong concussion symptoms such as headaches, dizziness, fatigue, brain fog, and visual disturbances. Dr. Maynard explains that the upper cervical spine plays a major role in balance, vision, and neurological input, so even when patients never hit their head, rapid whiplash forces can strain ligaments, irritate nerves, and destabilize the neck in ways that feel identical to a brain injury. The conversation highlights why some patients remain symptomatic for months: undiagnosed cervical restrictions, blood-flow changes, and muscle guarding often go untreated. Dr. Maynard outlines his detailed evaluation process and shares that with proper neck-focused treatment—gentle adjustments, soft-tissue therapy, and stability training—many patients recover far faster than expected. It’s always a free initial consultation call 303-781-5617. Visit their website at www.IntegratedHealthDenver.com.

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Today’s Guest
Dr. Grant Bailey, Cardiologist with South Denver Cardiology joins us today to talk about Heart Disease which is the leading cause of death in the United States. Dr. Bailey talks about prevention, some tests and scans that are available at SDC. With heart disease, family history can dictate when you should see a cardiologist. This is a great interview with important facts about Heart Health.

Then it’s Water Talk brought to you by Water Pro’s. Dr. Bailey spent a few minutes with us as microplastics in our water are showing up in patients arteries. Dr. Bailey highly recommends a R/O system,( Reverse Osmosis) for your home. Dr. Bailey says our food and water is contaminated, take control of your Water Quality, call Water Pro’s today 303-862-5554.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley discuss the different types of trials in both criminal and civil cases and why those differences matter. Kevin breaks down the structure and purpose of each system, highlighting how criminal trials focus on guilt or innocence while civil trials determine liability and compensation. He explains the distinctions between jury trials and bench trials, including when an attorney might choose one over the other. Kevin also outlines the burden of proof, the phases of a criminal trial, and how constitutional rights and plea bargains affect outcomes. On the civil side, he discusses evidence standards, damages, and why many cases settle before trial. Kevin closes by emphasizing the importance of sound legal strategy and understanding how the trial process impacts your rights and results. Take a listen to this show, then you will be well informed. 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.

Then it’s Your Legacy Your Way, with Estate Planning Attorney Carolyn Duncan of Duncan Legal. Today we discuss the common myth that estate planning is only for the wealthy. She explains that everyone—regardless of age or income—can benefit from having a plan. The interview highlights essential documents like wills, powers of attorney, and medical directives, and how they protect loved ones and simplify probate. Carolyn shares real-life examples of families impacted by lack of planning and emphasizes how affordable, simple steps now can prevent major problems later. Planning ahead brings peace of mind. 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 and Scott Whatley talk about the rebate. Randy says don’t wait, take advantage of the Colorado Resident Rebate of $450.00, which expires on Dec. 31, 2025. Effective January 1, 2026 the Rebate will be reduced by 50% to 225.00. Randy says there are some huge markdowns and combined with the $450 rebate there are some fantastic savings available now. We visit about the sales process, finding the client the right EBike that’s fits them and their needs is the #1 goal at EBike of Colorado. Randy also shares some winter care tips for your batteries. “Just Try It”, take a test ride and feel like a kid again. EBike of Colorado has an outstanding service record and will absolutely take care of their customers! Located at 544 Front St.in Louisville and open 10-7 Mon-Sun for your convenience! “Just Try It!” At e-bike Of Colorado their goal is to 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 Dr. Melissa Fling, Owner of Custom Ear Solutions. Dr. Flings sole purpose is to help you protect your hearing. In this interview, Dr. Melissa Fling, Owner of Custom Ear Solutions, explains seven important reasons to get your hearing checked regularly. Like vision or dental exams, hearing tests catch problems early and help protect brain health, since untreated hearing loss is linked to memory issues and even dementia. Regular testing keeps you connected in conversations, supports safety and job performance, and tracks gradual changes over time. Early detection leads to better treatment outcomes, while healthy hearing also reduces stress, fatigue, and isolation—improving overall quality of life. Invest in your hearing health today, schedule your hearing test now call 720-839-7705. Check out the website at www.CustomEarSolutions.com.

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Today’s Guests:
On this episode of The Your Money Matters Radio Show, Kurt Rogers, Managing Broker at Affordable Interest Mortgage talks about how the real-estate market has shifted over the past year and why now is the time to prepare if you’re considering buying within the next 12-months. Kurt explains that we’re in a true buyer’s market, inventory is meeting demand, sellers are more negotiable, and rates are trending down. Homeowners with rates under 4% have slowed the market, but pent-up demand is building as affordability improves. Kurt details why getting pre-approved—verified income, assets, employment, and credit—gives buyers stronger negotiating power than a simple pre-qualification. Kurt also highlights seller concessions that can lower closing costs or buy down interest rates, saving buyers $600–$900 a month. For investors – there’s special loan programs like DSCR loans that allow rental income to offset mortgage payments, offering solid cash flow, tax advantages, and long-term appreciation. Finally, Kurt emphasizes the value of working with a local mortgage broker who shops multiple lenders, offers flexible options, personal service, and competitive pricing—helping Colorado buyers and investors make smarter, more profitable real-estate decisions. Call Kurt today at 720-895-0500 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 another great episode of the Medicare & More Show with host Scott Whatley and special guest Jim Garey, Licensed Insurance Broker & Founder of Silver Sherpa, Inc. AEP is in full swing, (Annual Election Period) for Medicare. Today, Jim Garey, Owner of Silver Sherpa Inc, focuses on folks who are just turning 65 and starting the climb up Mt. Medicare. Jim recommends attending one of the Silver Sherpa’s Educational Workshops. The workshops provide a ton of great information and they are absolutely free to attend! Jim says even if you are planning on working and keeping benefits, Jim says you should attend a workshop, to explore all your options. Agent, Dylan Nava, of Silver Sherpa, Inc. join is the conversation to describe the process of getting signed up for Medicare. We also discuss some misconceptions on supplement plans. Visit www.Sherpa123.com click on Events and sign up for a free talk at a local library where you will be given true factual information which is the first step to making the right steps in choosing your plan. Call 303-865-5534.

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Today’s Guests:
Lone Tree Veterinary Medical Center has been our personal care center for our pets for over 20 years. It’s wonderful to have the Veterinary care, Grooming, Training and Boarding all under one roof. Today Pet Behavioral Specialist, Will Bruner joins us to talk about the Training that is available at Lone Tree Veterinary Medical Center. Will says that this time of years “puppies” are a popular gift, but there are some careful considerations everyone should think about before making this decision. Will offers group training as well as private training for your dog. For more information visit www.LoneTreeVet.com.

Then it’s Your Health Matters, brought to you by Integrated Health Systems. Today Dr. Shane Steadman discusses Migraine headaches and with Thanksgiving and the holidays just around the corner, he’ll share some healthy eating tips. 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 Dowding, Owner of Water Pro’s and Host Scott Whatley discuss a recent news story out of Aurora, CO. In the first year of the state’s new Mobile Home Water Quality Act, 27 parks, more than 10% of those tested had drinking water quality issues, according to the Colorado Department of Public Health and Environment. “We’re concerned about any kind of contamination that represents a health issue from drinking water,” said Ron Falco, safe drinking water program manager at CDPHE. The contaminants documented range from harmful bacteria to arsenic over the federal maximum contaminant level, high manganese levels that state officials say can be dangerous for bottle-fed infants and disinfection byproducts linked to cancer risk over time. Paul reminds our “Well Water Listeners” that Water from private wells is not regulated and is not tested as regularly, so private well owners are responsible for their own testing. Take control of the quality of your water today, call 303-862-5554 and ask for your free in home water test, check out the website at www.WaterPros.net.

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Today’s Guests:
Attorney Kevin Flesch of Flesch Law and Host Scott Whatley finish up our 2 part series on DUI’s. As we clearly stated these last 2 shows, do not drink and drive! Always have a plan. A first time DUI Conviction will cost you approximately $10,000.00 with Legal Fees, Insurance, Classes and Interlock Device. Kevin will share more facts about what you can expect if you are charged with a DUI. Kevin says future conviction will be more costly and include jail time. Contact Flesch Law immediately if you are arrested for a DUI. We lay it all out on what you can expect plug you get a DUI. What do you say and do when you are pulled over by the Police? Should you take Roadside test? 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.

Then it’s Your Legacy Your Way, with Estate Planning Attorney Carolyn Duncan. Host Scott Whatley speaks with Attorney Carolyn Duncan of Duncan Legal about some critical steps to building a solid estate plan that protects your family and your legacy. It begins with taking an inventory of your assets, from property and investments to digital accounts. Next, clearly define your goals and beneficiaries to ensure your wishes are honored. Creating or updating your will is essential to direct asset distribution and appoint an executor. Establishing a trust can help avoid probate, minimize taxes, and safeguard loved ones. Designating powers of attorney for financial and medical decisions ensures someone you trust can act on your behalf if needed. Advance healthcare directives, such as a living will, guide end-of-life choices with compassion and clarity. Finally, review your plan regularly—especially after major life changes—to keep it current and effective. Together, these steps provide peace of mind and a lasting framework for protecting what matters most. The episode closes with an invitation to contact Duncan Legal for compassionate guidance in protecting family and legacy. 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”.

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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 joins us from the great State of Wyoming along with a couple of his friends “AJ” and Brian. We discussed last week the recent visit Randy and the Staff has at the Segway factory and tells about another recent visit with Segway. AJ and Brian give us their reviews on the Segway Xafari Electric Bike. They have been giving this ebike quite a workout tune in for their opinions. Remember the Rebate of $450 ends December 31st. EBike of Colorado will be closed Thanksgiving and Black Friday. Gift cards are available! EBike of Colorado will help you find the right bike! “Just Try It”, take a test ride and feel like a kid again. EBike of Colorado has an outstanding service record and will absolutely take care of their customers! Located at 544 Front St. in Louisville, CO and open 10-7 Mon-Sun for your convenience! “Just Try It!” At e-bike Of Colorado their goal is to 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 Dr. Fling of Custom Ear Solutions explains the causes and health impacts of hearing loss, including its links to dementia and isolation. She emphasizes prevention through proper hearing protection, especially in noisy environments. Dr. Fling also highlights the value of custom-fitted solutions and regular hearing tests. 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 Allen Stack, Owner of Stack Optical. Allen is celebrating 57 years in business. Stack Optical is your one stop shop for all of your Optical needs. Eye Exam for only $69, Eyeglass Repairs, Prescription Sunglasses, Contacts, Eyeglasses. With their onsite lab your glasses will be ready in 2-3 days (in most cases). Check out the website at www.stackoptical.com.

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Today’s Guests:
On this episode of The Your Money Matters Radio Show, Kurt Rogers, Managing Broker at Affordable Interest Mortgage is with us to discuss
what truly determines your mortgage interest rate and why credit score plays the biggest role. While factors like income, equity, loan-to-value (LTV), and loan amount matter, the most influential is your credit score, which ranges from 300 (high risk) to 850 (low risk). Major lenders like Fannie Mae, Freddie Mac, and Ginnie Mae handle about 90% of all mortgages, and each loan must include Loan Level Pricing Adjustments (LLPAs) fees that reflect borrower risk. Kurt breaks down how credit scores directly impact costs: a 680 vs. 720 FICO can mean thousands in added fees or higher rates. Other risk factors include property type, loan purpose, and cash-out refinances. He also reviews what affects credit scores payment history (35%), credit utilization (30%), and credit age, mix, and new credit (35% combined). 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.

It’s another great episode of the Medicare & More Show with host Scott Whatley and special guest Jim Garey, Licensed Insurance Broker & Founder of Silver Sherpa, Inc., joined by Agent Dylan Nava. On today’s show we talk more about about the Annual Election Period (AEP) opens October 15–December 7, 2025! Jim walks us through the process of what all Silver Sherpa Inc does to make sure you have the right plan.
Dylan explains the “Plan Optimizer Profile”, which is what every perspective client fills out so they can analyze your Doctors, Medications etc. Jim also says hey even if you think you have the right plan, give Silver Sherpa Inc a call 303-862-5554, the services are free for you to have your current plan checked out.

🎓 Attend a FREE Medicare Simplified Workshop to learn:
✅ Parts A, B, C & D made simple
✅ “Part B Giveback” & marketing gimmicks explained
✅ How to avoid penalties & coverage gaps
✅ Open Q&A + free Medicare Workbook!
📍 Upcoming Workshops:
📅 11/13 – Arvada Library, 3:30 PM
📅 11/15 – Castle Rock Library, 11 AM
📅 11/17 – Koelbel Library, 6 PM
📅 11/19 – Columbine Library, 4 PM
🖥️ Virtual Webinar Options, too!
AEP is open now – take action today! Visit www.Sherpa123.com to find an educational class that are free to attend. As an Independent Broker there is no fee for Jim to be your “Sherpa”, your Guide up Mt. Medicare. As a Broker, Jim offers the same exact pricing as Aetna, Humana, United Health Care, etc. the Silver Sherpa’s guidance up Mt. Medicare does not cost you a penny. All commissions are paid by the insurance companies. Call 303-865-5534. ⛰️ Don’t climb “Mt. Medicare” alone — let Silver Sherpa be your guide every step of the way!

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