The Tax Ladder: Why Your Channel Decides How Far You Can Go on Tax with Joe Licciardi

In this solo episode, Joe Licciardi, Managing Director at Torchpoint Advisors, explains why the channel an advisor sits in (wirehouse, independent broker-dealer, or RIA) determines the tax model they can build for clients. He shares a four-rung ladder from tax-aware planning to ownership, how each channel opens or limits it, and three options for advisors whose structure is boxing them in.