Behavioral Portfolio Theory and Mental Accounting

John is a high-net-worth individual who has recently received a large inheritance. He approaches his financial advisor, Sarah, seeking guidance on how to allocate this newfound wealth. Sarah explains the concept of Behavioral Portfolio Theory, which suggests that individuals tend to create mental accounts and choose investments based on different goals or objectives rather than strictly adhering to traditional risk-return optimization.

She mentions three different investment portfolios tailored to John's various mental accounts: a conservative income-generating portfolio, a balanced growth-oriented portfolio, and a high-risk speculative portfolio. As John considers these options, he is particularly focused on satisfying his desire for security while also venturing into high-return investments.

Which of the following statements is most aligned with Behavioral Portfolio Theory in this context?