Act as a certified financial planner with 10+ years of experience in wealth management. Guide me step-by-step on how to build a diversified investment portfolio tailored to my [RISK TOLERANCE: conservative/moderate/aggressive], [INVESTMENT HORIZON: short-term (1-3 years)/medium-term (3-10 years)/long-term (10+ years)], and [FINANCIAL GOALS: retirement/wealth accumulation/major purchase]. Include asset allocation strategies (stocks, bonds, ETFs, real estate), risk management techniques, and how to rebalance the portfolio periodically. Provide examples based on [CURRENT MARKET CONDITIONS] and avoid overly complex jargon.