Jeff - there's a few ways you can approach this:
If you're short on time but long on cash you can go with a professional who will give you turn-key results.
The next step down is you can purchase a ready-made template and tweak it to your preferences.
I have three web sites and did them all through Yahoo. Yahoo hosts my sites for $11.95 a month each with 24/7 phone support, which I have never had to use.
Yahoo has free downloadable design software which was all I needed to design my sites. I have one site for my rentals, one site for buying houses, and one site for my writing business. I keep my sites relatively simple because, personally, I hate twirly, buzzy, flashy, noisy sites. Of course, you can always spend some long green on professional design software if that pulls your trigger.
What you might want to do first off is determine the purpose of your web presence. I use my sites to establish credibility, answer questions, screen out people, generate leads, and get folks to call me so I can try and close.
However, if your purpose is to sell a million widgets a month that's beyond my experience.
TheREIbrain.com has some useful info on website content.