WCI #449: Unions, ACATS Fraud, Vesting, HSAs, and ETFs: What Doctors Need to Know
Release Date: 12/11/2025
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info_outlineToday’s episode tackles a wide mix of practical questions. We explore the pros and cons of unions for doctors, how to protect yourself from ACATS fraud, and what you need to know about vesting rules. We also dig into an asset allocation question, upcoming changes to HSA plans in 2026, and whether it makes sense to exchange a mutual fund for its ETF counterpart. It’s a packed episode with insights you can put to use right away.
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The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!
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00:00 WCI Podcast #449
01:19 Unions in Healthcare
05:43 ACATS Fraud: What You Need to Know
16:43 Vesting in Employer's Retirement Accounts
19:42 Rebalancing vs. Paying Capital Gains
27:33 HSA Eligible Healthcare Plans
34:34 Swapping Mutual Funds for ETFs