Haystack Help Radio

09/12/2025

On the 9/11/25 episode of YOUR LEGACY, YOUR WAY, Attorney Carolyn Duncan at Duncan Legal, PC, provides the answers to a text question we received about Trusts. The listener wanted to know the difference between a Revocable Trust and an Irrevocable Trust?
Carolyn explains the key differences between revocable and irrevocable trusts, and why each is used in estate planning.

Revocable trusts are flexible, allowing changes during the grantor’s lifetime, and are commonly used to avoid probate, maintain privacy, and ensure smooth management if the grantor becomes incapacitated. Irrevocable trusts, by contrast, are permanent and often used for asset protection, Medicaid planning, tax reduction, or charitable giving.

We also highlighted other specialized trusts—such as special needs, charitable, spendthrift, and life insurance trusts—that help families address unique circumstances and ensure assets are managed and passed on as intended.

Free 30-minute consultation. Carolyn says her motto is “Helping People Solves Life’s Puzzles.”

Listen to the 9/11/25 podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/09/Haystack-09-11-25-Carolyn-Duncan.mp3

Be sure to tune in - Your Legacy Your Way airs every Thursday at 12:30 PM – 1PM on 560AM KLZ.

Download the KLZ 560 APP from the App Store or Google Play.

Call Duncan Legal today 303-394-2358.

09/12/2025

On the 9/11/25 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law continue our discussion on jury trials. This discussion will give you some insights on why you need an experienced trial Attorney. There are so many “need to know” points about taking your case to trial. 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.

Listen to the 9/11/25 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/09/Haystack-09-11-25-Legal-Talk-Kevin-Flesch.mp3

Tune in to Legal Talk, every Thursday at Noon – 12:30 PM on 560AM KLZ, with Attorney Kevin Flesch. Download the KLZ 560 APP from the App Store or Google Play.

Got a legal question? You can now TEXT the Flesch Law Line with your legal question: 720-201-8585.

It’s always a free consultation at Flesch Law. Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com

09/12/2025

🌟 Medicare & More Show – 9/9/25 Episode Recap 🌟
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. 🎙️

Today we focused on the “MORE” in Medicare & More! Jim explained how Dental and Vision Insurance are an important part of your overall coverage. Too often, people overlook these benefits—but having the right plan can make a world of difference in protecting your smile, eyesight, and budget. 🦷👓

As Jim shared, one of the biggest advantages of working with Silver Sherpa, Inc. is that he can help you take care of all your insurance needs in one place—from Medicare, Dental, and Vision, to Long-Term Care and Life Insurance (coming up in next week’s show).

✨ Why Work With Silver Sherpa?
✅ Jim is an Independent Broker—there’s no fee for his services.
✅ You’ll get the same pricing you’d find directly from top carriers like Aetna, Humana, and UnitedHealthcare.
✅ As a Baby Boomer himself, Jim truly understands the real-life challenges of working longer, caring for aging parents, and supporting adult children.
✅ Silver Sherpa, Inc. is proud to be an Accredited BBB Member with an A+ Rating.

📢 Take the First Step Today:

Visit 👉 www.Sherpa123.com, click the Events tab, and sign up for a FREE educational talk at a local library near you.

🎧 Listen to the full episode now: https://www.haystackhelpradio.com/wp-content/uploads/2025/09/Haystack-09-09-26-The-Silver-Sherpa-1.mp3

📺 Catch Medicare & More every Tuesday at 12:30-1 PM on KLZ 560 AM, or download the KLZ 560 App to listen on demand.

⛰️ Don’t climb “Mt. Medicare” alone. Let The Silver Sherpa, Inc. be your guide—every step of the way!

09/07/2025

On the 9/4/25 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law talks about how passenger injury claims become more complex when the driver is at fault. While passengers typically have strong cases since they are not liable, several factors can complicate matters.

The driver’s insurance is the primary source of compensation, but policy limits must be divided among all injured passengers, often leading to disputes if injuries vary in severity.

Each passenger can file an independent claim, yet conflicting testimonies about the accident may impact credibility. Insurance companies may further complicate cases by questioning injuries, medical treatment, or even suggesting partial blame, such as failing to wear a seatbelt.

When passengers are friends or relatives, insurers may also allege bias. Because of these challenges, Kevin stresses the importance of passengers having their own attorneys to avoid conflicts of interest, maximize recovery, and explore other coverage options like umbrella policies or underinsured motorist protection.

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.

Listen to the 9/4/25 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/09/Haystack-09-04-25-Legal-Talk-Kevin-Flesch.mp3

Tune in to Legal Talk, every Thursday at Noon – 12:30 PM on 560AM KLZ, with Attorney Kevin Flesch. Download the KLZ 560 APP from the App Store or Google Play.

Got a legal question? You can now TEXT the Flesch Law Line with your legal question: 720-201-8585.

It’s always a free consultation at Flesch Law.

Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com

09/02/2025

It’s another great episode of the Medicare and More Show!
📅 Radio Episode Date: 9/2/25
🎧 Special Guest: Jim Garey, Licensed Insurance Broker & Founder of Silver Sherpa Inc.
🎙️ Hosted by Scott Whatley
📍 Broadcast on Haystack Help Radio, KLZ 560 AM

Why You Need a Guide Up “Mt. Medicare” — Featuring Jim Garey of The Silver Sherpa, Inc.

On today’s 9/2/25 episode of Medicare and More, host Scott Whatley welcomes Jim Garey, licensed insurance broker and founder of Silver Sherpa, Inc.

Jim breaks down the upcoming AEP, Annual Enrollment Period which starts Oct 15, 2025, and ends on Dec. 7, 2025.

In just a few weeks the new rates for 2026 will be published and Jim said yes, we will see rate increases. Medicare is testing out the “Pre-Authorization” requirement in several States. While Colorado is not one of the participating States, he feels it is coming soon.

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.

As a Baby Boomer himself, Jim understands the real-life complexities many of us face, working longer, caring for aging parents, managing our own health, and supporting adult children.

Listen to the 9/2/25 Podcast Now: https://www.haystackhelpradio.com/wp-content/uploads/2025/09/Haystack-09-02-25-The-Silver-Sherpa.mp3

Take the first step today:
Visit www.Sherpa123.com, click the Events tab, and sign up for a FREE educational talk at a local library near you.
Call 303-865-5534.

Be sure and tune in every Tuesday at 12:30-1:00 PM on KLZ 560 AM for the Medicare & More Show — or download the KLZ 560 App from the App Store or Google Play to catch episodes on demand.

Don’t climb Mt. Medicare alone. Let Silver Sherpa be your guide, every step of the way.

08/29/2025

If you have a Personal Injury due to someone else's negligence, consider contacting our exclusive Personal Injury Attorney Kevin Flesch at Flesch Law Denver Injury Accident Lawyers at 303-806-8886 and check out this week's show featuring the Factors that can complicate your Personal Injury case.

On the 8/28/25 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law explains the many factors that can complicate a personal injury case, often making it harder to reach a fair settlement or succeed in court.

Pre-existing medical conditions frequently give insurance companies room to argue that an injury isn’t related to the accident. Delayed or inconsistent medical treatment, along with weak or missing evidence, can undermine credibility.

Questions of shared fault further complicate liability, especially in comparative negligence states. Kevin also highlights the aggressive tactics insurers use, such as low settlement offers, surveillance, and challenges to injury severity.

Severe or catastrophic injuries, cases involving multiple parties, and a plaintiff’s prior claims history can also lengthen and intensify litigation.

Even social media posts may be used against injured parties.

Finally, Kevin stresses the importance of acting quickly, since waiting too long to file—or approaching the statute of limitations—can severely damage a 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.

Listen to the 8/28/25 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/08/Haystack-08-28-25-Legal-Talk-Kevin-Flesch.mp3

Tune in to Legal Talk, every Thursday at Noon – 12:30 PM on 560AM KLZ, with Attorney Kevin Flesch. Download the KLZ 560 APP from the App Store or Google Play.

Got a legal question? You can now TEXT the Flesch Law Line with your legal question: 720-201-8585.

It’s always a free consultation at Flesch Law.

Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com

08/27/2025

It's a BUYER'S Market! Our exclusive Mortgage Broker Kurt Rogers at Affordable Interest Mortgage - Powered By IMB shares excellent insights into why on this episode, check it out!

In this week’s 8/26/25 episode of the Your Money Matters Radio Show on KLZ 560AM, I’m diving into why it’s one of the best buyer’s markets we’ve seen in years—and what that means for you.
Here’s what you need to know:

📉 Rates Are Trending Lower
Yes, we all want them even lower, but waiting could backfire. A small drop in rates saves on monthly payments, but rising home values driven by demand and bidding wars may erase those savings. Timing matters—and right now buyers have the advantage.

📈 Homes Still Appreciate
On average, homes have appreciated 4.27% annually for the last 50 years. A $400,000 home can add over $57,000 in equity in just 5 years—plus principal reduction. Owning a home continues to be one of the smartest long-term financial moves.

👥 Who’s Buying Homes?
✅ 21% are paying over asking
✅ 31% are cash buyers
✅ 28% are first-time homebuyers 🎉
✅ 20% are investors

With homes averaging just 28 days on the market, deals are moving quickly.

💡 Rent vs. Own
Renting doesn’t build wealth. You’re paying to live somewhere—why not put that money into something that appreciates?

🏦 Refinance Opportunities
For homeowners, FHA and VA streamline programs can help lower payments with no appraisal and less paperwork. Many are consolidating high-interest debt into their mortgage, freeing up $800–$1,500 a month 🚀—money that can reduce stress and accelerate mortgage payoff.

🎙️ Catch the full 8/26/25 episode here 👉 https://www.haystackhelpradio.com/wp-content/uploads/2025/08/Haystack-08-26-25-Your-Money-Matters.mp3

With gratitude,
Kurt Rogers
Managing Broker, Affordable Interest Mortgage
(720) 895-0500

www.aimortgage.net

NMLS #217147 | IMB #2191655 | Equal Opportunity Lender | Regulated by the Division of Real Estate

08/21/2025

On the 8/21/25 episode of YOUR LEGACY, YOUR WAY, Attorney Carolyn Duncan at Duncan Legal, PC outlines the 10 most common estate planning challenges that often end up in court. Disputes frequently arise over the validity of wills and trusts, particularly when documents are outdated, improperly executed, or handwritten.

Allegations of undue influence and lack of capacity are common when heirs feel someone pressured or exploited the deceased.
Poor drafting can create ambiguous language, while disinherited heirs or unequal distributions often spark lawsuits.

Other issues include breach of fiduciary duty, improper asset titling, and creditors’ claims.

Blended family conflicts and tax or compliance errors further complicate matters.

Carolyn emphasized that clear drafting, regular updates, and professional guidance are the best ways to minimize disputes and protect family legacies.

Free 30-minute consultation. Carolyn says her motto is “Helping People Solves Life’s Puzzles.”

Listen to the 8/21/25 podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/08/Haystack-08-21-25-Carolyn-Duncan.mp3

Be sure to tune in - Your Legacy Your Way airs every Thursday at 12:30 PM – 1PM on 560AM KLZ.

Download the KLZ 560 APP from the App Store or Google Play.

Call Duncan Legal today 303-394-2358.

www.duncanlegal.com

08/21/2025

On the 8/21/25 episode of the Legal Talk Radio Show on 560AM KLZ, Attorney Kevin Flesch of Flesch Law talks about the difference between Civil trials and Criminal trials and how the processes may be the same in some ways, but also taking a look at why they are different.

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.

Listen to the 8/21/25 Podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/08/Haystack-08-21-25-Legal-Talk-Kevin-Flesch.mp3

Tune in to Legal Talk, every Thursday at Noon – 12:30 PM on 560AM KLZ, with Attorney Kevin Flesch. Download the KLZ 560 APP from the App Store or Google Play.

Got a legal question? You can now TEXT the Flesch Law Line with your legal question: 720-201-8585.

It’s always a free consultation at Flesch Law.

Call Kevin today at 303-806-8886 or visit the website at www.fleschlawfirm.com

08/21/2025

I encourage you to check out this jam packed show about Mortgage Refinancing. If you're even curious about what a refi can do for you and your family, our exclusive Mortgage Broker, Kurt Rogers at Affordable Interest Mortgage - Powered By IMB is standing by ready to be your guide!

🎧 Mortgage Insights – Why Now Might Be the Perfect Time to Refinance! 💰🏡

In this week’s 8/19/25 episode of the Your Money Matters Radio Show on KLZ 560AM, I’m diving into why refinancing could be a smart move as interest rates begin to trend downward. 📉✨

Here’s what you need to know:
💡 Know Your Goals Before Refinancing
Whether you want to lower monthly payments, consolidate debt, eliminate mortgage insurance, or fund home improvements, your goals should drive the strategy.

📊 Debt Consolidation = Big Savings
Rolling high-interest debt into a refinance can save thousands, reduce your total monthly payments, and even help pay off your home years earlier.

🏦 Streamlined FHA & VA Options
These programs allow you to refinance with minimal documentation, no appraisal, and lower rates—making the process faster and easier.

🔑 The Power of Competition
With access to 42 lenders, I can compare programs side-by-side and find the right fit, whether it’s a first-time buyer loan, cash-out refinance, or home improvement loan.

🛠️ Upgrade While Building Equity
Special home improvement loans can help you remodel or update your property while also boosting its value.

🏠 For Buyers
Know the available first-time buyer programs, understand all costs upfront, and be fully prepared before starting the home search—this makes your offer stronger and less stressful.

🎙️ Catch the full 8/19/25 episode here 👉 https://www.haystackhelpradio.com/wp-content/uploads/2025/08/Haystack-08-19-25-Your-Money-Matters-Mortgage-Insights.mp3

With gratitude,
Kurt Rogers
Managing Broker, Affordable Interest Mortgage
(720) 895-0500

www.aimortgage.net

NMLS #217147 | IMB #2191655 | Equal Opportunity Lender | Regulated by the Division of Real Estate

08/21/2025

Check out this awesome episode of the “Just Try It” Radio Show brought to you by e-Bike of Colorado! Owner of e-bike of Colorado Randy Caranci talks about a few of the surprises new e-bike owners tell his Staff.

New e-bike owners are often surprised to learn that they still pedal with pedal-assist systems, enjoy unexpectedly high speeds (20–28 mph), and discover that range varies greatly with riding style and conditions.

Charging is simple, much like plugging in a laptop, and the overall experience is often described as freeing and fun “smiles per mile.”
Common misconceptions include the belief that riders don’t get exercise, that e-bikes are just scooters, or that they’re too costly, difficult to maintain, or unsafe.

In reality, e-bikes encourage more frequent riding, are similar to regular bikes in maintenance and safety, and offer affordable commuter options. Randy says e-bikes don’t replace traditional biking, they make it more accessible, enjoyable, and sustainable for more people.

Randy invites you to come to the store and just take a look at the large selection of e-bikes and yes, so “Just Try It”.

Take a test ride on the incredible trail system, just blocks from the store.

Buy with confidence at e-Bike of Colorado. When you go in, make sure you mention you heard Randy on “Just Try It” KLZ 560AM with Host Scott Whatley.

You will not find a better selection of e-bikes, and we encourage you to visit the store located at 544 Front St. Louisville, CO and “Just Try It”.

Visit the website at www.ebikeofcolorado.com

Check out the 8/20/25 podcast: https://www.haystackhelpradio.com/wp-content/uploads/2025/08/JUST-TRY-IT-E-Bike-of-Colorado-08-20-25.mp3

Be sure to tune each week to the Just Try It Radio Show, Wednesdays at Noon - 12:30 PM on 560 AM KLZ. Download the KLZ 560 APP from the App Store or Google Play or listen at www.KLZRadio.com.

08/21/2025

Check out the 8/20/25 episode of LISTEN UP! Host Scott Whatley and Audiologist Dr. Melissa Fling of Custom Ear Solutions discuss focus on the impact of hearing loss.

Dr. Fling pleads with our listeners to get a hearing tests. You should know your baseline so as you age you can see how your hearing health is aging. At Custom Ear Solutions their focus is to protect the hearing you still have with the custom products.

Listen to the 8/20/25 podcast on this important topic: https://www.haystackhelpradio.com/wp-content/uploads/2025/08/Haystack-08-20-25-Custom-Ear-Solutions.mp3

About Custom Ear Solutions:
At Custom Ear Solutions, their focus is to protect the hearing you still have with the custom products.

On Listen Up show episodes, you’ll learn practical insights each week from Dr. Fling on topics such as:

* Protecting your hearing in everyday life and work
Hearing protection for outdoor sports & shooting (in partnership with Sportsman Of Colorado Radio Show)
* Advances in hearing aid technology
* How untreated hearing loss affects cognitive health
* Tips for communicating with loved ones experiencing hearing loss
* Understanding tinnitus and sound sensitivity
* The value of early intervention for children and adults

Tune in to Haystack Help Radio weekly for expert advice to help you preserve your hearing—and your quality of life. Listen Up airs every Wednesday at 12:30 PM on 560AM KLZ. Download the KLZ 560 APP from the App Store or Google Play.

Call Dr. Melissa Fling today: 720-839-7705
www.customearsolutions.com