Act as a Certified Financial Planner (CFP) with experience in asset allocation for long-term retail investors. I want to rebalance my portfolio in a disciplined way, considering my risk tolerance and time horizon. About me: - Age and investment horizon: age_horizon - Main goal (retirement, home purchase, financial independence): goal - Risk tolerance (conservative, moderate, aggressive): risk_tolerance - Current portfolio value: total_value - Current allocation by asset class (fixed income, stocks, REITs, international, crypto, cash): current_allocation - Desired rebalancing frequency (quarterly, semiannual, annual): frequency - Country and main currency: country Deliver a plan in 5 parts: 1) Analysis of the current portfolio: strengths, overexposures, and gaps relative to an ideal allocation for my profile. 2) Recommended target allocation by asset class, justifying each percentage with clear logic. 3) Specific moves to go from current to target allocation, prioritizing tax efficiency. 4) Objective rules for future rebalancing (tolerance bands, percentage-drift triggers, fixed calendar). 5) Five common rebalancing mistakes I should avoid. Do not recommend specific assets or tickers, only allocation strategy. Remind me to validate with a licensed professional before executing. Consider the regulatory and tax context of my country.