feat: UX enhancements, member limits, forecast fix, and menu cleanup (v2026.3.19)

- Onboarding wizard: add Reserve Account step between Operating and Assessments,
  redirect to Budget Planning on completion
- Dashboard: health score pending state shows clickable links to set up missing items
- Projects/Vendors: rich empty-state wizard screens with real-world examples and CTAs
- Investment Planning: auto-refresh AI recommendations when empty or stale (>30 days)
- Hide Invoices and Payments menus (see PARKING-LOT.md for re-enablement)
- Send welcome email via Resend when new members are added to a tenant
- Enforce 5-member limit for Starter/Standard/Professional plans (Enterprise unlimited)
- Cash flow forecast: only mark months as "Actual" when journal entries exist,
  fixing the issue where months without data showed as actuals
- Bump version to 2026.3.19

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

frontend/src/pages/dashboard/DashboardPage.tsx

@@ -1,7 +1,7 @@
 import {
   Title, Text, SimpleGrid, Card, Group, ThemeIcon, Stack, Table,
   Badge, Loader, Center, Divider, RingProgress, Tooltip, Button,
-  Popover, List,
+  Popover, List, Anchor,
 } from '@mantine/core';
 import {
   IconCash,
@@ -18,6 +18,7 @@ import {
 } from '@tabler/icons-react';
 import { useState, useCallback } from 'react';
 import { useQuery, useQueryClient } from '@tanstack/react-query';
+import { useNavigate } from 'react-router-dom';
 import { useAuthStore, useIsReadOnly } from '../../stores/authStore';
 import api from '../../services/api';
 
@@ -58,6 +59,28 @@ function TrajectoryIcon({ trajectory }: { trajectory: string | null }) {
   return null;
 }
 
+// Map missing data items to navigation links
+const missingDataLinks: Record<string, { label: string; path: string }> = {
+  'reserve fund account': { label: 'Set up a reserve account', path: '/accounts' },
+  'reserve account': { label: 'Set up a reserve account', path: '/accounts' },
+  'reserve projects': { label: 'Add reserve projects', path: '/projects' },
+  'capital projects': { label: 'Add capital projects', path: '/projects' },
+  'projects': { label: 'Add projects', path: '/projects' },
+  'budget': { label: 'Set up a budget', path: '/board-planning/budgets' },
+  'operating budget': { label: 'Set up a budget', path: '/board-planning/budgets' },
+  'reserve budget': { label: 'Set up a budget', path: '/board-planning/budgets' },
+  'assessment groups': { label: 'Create assessment groups', path: '/assessment-groups' },
+  'accounts': { label: 'Set up accounts', path: '/accounts' },
+};
+
+function getMissingDataLink(item: string): { label: string; path: string } | null {
+  const lower = item.toLowerCase();
+  for (const [key, value] of Object.entries(missingDataLinks)) {
+    if (lower.includes(key)) return value;
+  }
+  return null;
+}
+
 function HealthScoreCard({
   score,
   title,
@@ -65,6 +88,7 @@ function HealthScoreCard({
   isRefreshing,
   onRefresh,
   lastFailed,
+  onNavigate,
 }: {
   score: HealthScore | null;
   title: string;
@@ -72,6 +96,7 @@ function HealthScoreCard({
   isRefreshing?: boolean;
   onRefresh?: () => void;
   lastFailed?: boolean;
+  onNavigate?: (path: string) => void;
 }) {
   // No score at all yet
   if (!score) {
@@ -118,9 +143,19 @@ function HealthScoreCard({
           <Stack align="center" gap="xs">
             <Badge color="gray" variant="light" size="lg">Pending</Badge>
             <Text size="xs" c="dimmed" ta="center">Missing data:</Text>
-            {missingItems.map((item: string, i: number) => (
-              <Text key={i} size="xs" c="dimmed" ta="center">{item}</Text>
-            ))}
+            {missingItems.map((item: string, i: number) => {
+              const link = getMissingDataLink(item);
+              return link ? (
+                <Anchor key={i} size="xs" href={link.path} onClick={(e: React.MouseEvent) => {
+                  e.preventDefault();
+                  onNavigate?.(link.path);
+                }}>
+                  {item} &rarr; {link.label}
+                </Anchor>
+              ) : (
+                <Text key={i} size="xs" c="dimmed" ta="center">{item}</Text>
+              );
+            })}
           </Stack>
         </Center>
       </Card>
@@ -315,6 +350,7 @@ export function DashboardPage() {
   const currentOrg = useAuthStore((s) => s.currentOrg);
   const isReadOnly = useIsReadOnly();
   const queryClient = useQueryClient();
+  const navigate = useNavigate();
 
   // Track whether a refresh is in progress (per score type) for async polling
   const [operatingRefreshing, setOperatingRefreshing] = useState(false);
@@ -429,6 +465,7 @@ export function DashboardPage() {
               isRefreshing={operatingRefreshing}
               onRefresh={!isReadOnly ? handleRefreshOperating : undefined}
               lastFailed={!!healthScores?.operating_last_failed}
+              onNavigate={navigate}
             />
             <HealthScoreCard
               score={healthScores?.reserve || null}
@@ -441,6 +478,7 @@ export function DashboardPage() {
               isRefreshing={reserveRefreshing}
               onRefresh={!isReadOnly ? handleRefreshReserve : undefined}
               lastFailed={!!healthScores?.reserve_last_failed}
+              onNavigate={navigate}
             />
           </SimpleGrid>