A newbie question on portfolio creation

It is known that retail investors have multiple goals with multiple time horizons. In pratice how do the financial advisor or AM companies handle this matter while creating portfolio for the client?

For example: I have 200k USD, with the following personal goals:

goal no.1 - have 50,000 by year 3 to buy a car 192.168.0.1 routerlogin 192.168.l.l

goal no.2 - have 100,000 by year 4 for down payment of the mortgage

goal no.3 - accumulating capital for my pension with a time horizon of 20 years + with as many as initial capital as possible

Thanks for the clarification, if anyone knows.

Reference to practical instruction, software and best practice are welcome.