Between managing a packed clinic and a chaotic home life, the last thing any physician needs is a financial statement that looks as cluttered as a playroom floor. Nate and Kyle tackle a question from a Washington dermatologist who is tired of seeing dozens of confusing tickers when their only goal is to grow wealth. We pull back the curtain on why advisors often overcomplicate portfolios, from the statistical "vanity project" of trying to beat the market to the logistical mess created by tax-loss harvesting. We also break down why 90% of active managers fail to outperform a simple index net of fees and explain why a "busy" portfolio might actually be a red flag. We also answer your colleagues' questions. A Urologist in Utah asks, “How should I decide how much US vs. international stocks to buy?” An Emergency Medicine Doc in New Jersey wonders, “We want to have a third child, but saving for college is expensive. Can we afford having another baby?” Another Emergency Medicine Doc in Texas says, “I just discovered my advisor is double-dipping: charging 1% AUM plus $1,100 a month. When I tried to leave, he claimed I’d owe $100k in taxes to move my money. Is he telling the truth, or is he holding my portfolio hostage?” Are you ready to turn worries about taxes and investing into a plan for college and retirement? If you’re evaluating your options and want to learn more, visit physicianfamily.com and click 'Get Started' or you can ask a question of your own by emailing [email protected]. See marketing disclosures at physicianfamily.com/disclosures