It depends on you. If you have the interest to learn to be your own financial planner and investment manager, you are certainly intelligent enough to do so. The discipline and knowledge you need to be successful as a do-it-yourselfer will come with time if you have the interest. However, there is no shame in using a financial advisor and probably 80% of doctors need or want one. Be sure you're getting good advice at a fair price. Realize that a fair price is very expensive and managing your money yourself likely provides you a higher hourly rate than anything you do as a doctor.