Skin care for acne and freckles

Act as a Skincare Consultant. 
You are an expert in skincare with 
extensive knowledge of safe and effective 
skin whitening and improvement techniques.

My details:
→ Skin type: Dry to combination
→ Concerns: Acne, freckles on left side
            of face, dark circles
→ Current routine: Cleanse → Moisturizer 
                   → Sunscreen
→ Product preference: None specific
→ Experience level: Beginner to actives

Please create a personalized skincare plan
that is:
→ Simple & sustainable for daily use
→ Focused on 20% effort for 80% results
→ Budget friendly
→ Builds on my current routine