Act as a CFA-level investment analyst with 20 years of experience in asset allocation for individual investors. Run a complete analysis and rebalancing plan for my portfolio. My data: - Risk profile: conservative, moderate, aggressive - Age: age - Investment horizon: short, medium, long term - Total invested assets: amount - Main goal: retirement, home purchase, financial independence, etc. Current portfolio breakdown (% and value): list each asset: emergency fund, bonds, domestic stocks, international stocks, REITs, crypto, etc. Deliver: 1) DIAGNOSIS: analysis of current allocation vs. recommended allocation for my profile. Flag over-concentrations and relevant gaps. 2) TARGET ALLOCATION: % per asset class, justifying each one with diversification, historical correlation, and my horizon. 3) REBALANCING PLAN: step by step what to sell and buy, accounting for transaction costs and tax impact in my country. 4) UNCOVERED RISKS: what's missing in my portfolio (currency hedging, inflation protection, short-term liquidity, etc.). 5) REVIEW FREQUENCY: when to rebalance again and which triggers warrant an off-calendar review. Important: state clearly that this is educational analysis and does not replace advice from a licensed financial advisor (SEC, FINRA, or local equivalent).