ABOUT THIS EPISODE
Commercial real estate investors spend a lot of time thinking about cash flow, depreciation, and the next deal.
But what happens when the real goal shifts from simply building wealth to keeping it, protecting it, and making it work harder?
In Episode 53 of The Value Builder Podcast, Saul Zenkevicius sits down with Josh Manier and CPA Stewart Cariveau to unpack the financial side of wealth that many operators overlook.
They challenge the idea that cash flow should always be the North Star, explain why liquidity creates both protection and opportunity, and discuss how tax planning changes when you start thinking in decades instead of April 15th.
The conversation gets into cost segregation, real estate professional status, 1031 exchanges, investment accounts, personal balance sheets, tax documentation, and why aggressive strategies still need to survive scrutiny.
And then Stewart takes things to Cabo, where lifestyle, real estate, networking, and financial strategy all start intersecting.
From “write off your life” to the “1031 slaughterhouse” to Stewart’s closing philosophy of “Let’s print some money,” this one has plenty of ideas worth challenging.
Chapters00:15 Building Wealth Is Only Half the Job
01:28 What Josh & Stewart Do for Private Families
05:10 Is Liquidity More Important Than Cash Flow?
08:31 Do You Actually Need That Much Life Insurance?
10:05 Where Should Your Money Be Working?
14:25 Cost Segregation, Taxes & CRE
15:06 The Real Estate Professional Rules Investors Miss
21:32 The Tax Strategy Social Media Oversimplified
25:02 1031 Exchange or Cost Segregation?
29:03 The Personal Residence Tax Opportunity
31:09 The Augusta Rule Most Investors Ignore
31:30 Using New Purchases to Offset Property Sales
35:00 How Their CFO & Tax Advisory Model Works
38:15 The Cabo Wealth & Lifestyle Strategy
44:04 How Real Estate Financing Works in Cabo
48:19 Connect With Josh & Stewart
48:58 “Let’s Print Some Money”
Josh Manier
Phone: (952) 345-3445
Email: joshmanier@gmail.com
Josh and Stewart describe their practice as private and referral-based rather than publicly marketed. They advise high-net-worth families and closely held businesses across tax strategy, liquidity, investments, cash flow, and personal/business balance-sheet planning.
Subscribe to The Value Builder Podcast for practical conversations with commercial real estate operators, investors, advisors, and entrepreneurs focused on creating and protecting value.
This conversation is for educational purposes and should not be treated as individualized tax, legal, or investment advice.
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