Phase 7: Add user onboarding tour and tenant setup wizard

Feature 1 - How-To Intro Tour (react-joyride):
- 8-step guided walkthrough highlighting Dashboard, Accounts, Assessments,
  Transactions, Budgets, Reports, and AI Investment Planning
- Runs automatically on first login, tracked via has_seen_intro flag on user
- Centralized step config in config/tourSteps.ts for easy text editing
- data-tour attributes on Sidebar nav items and Dashboard for targeting

Feature 2 - Tenant Onboarding Wizard:
- 3-step modal wizard: create operating account, assessment group + units,
  import budget CSV
- Runs after tour completes, tracked via onboardingComplete in org settings JSONB
- Reuses existing API endpoints (POST /accounts, /assessment-groups, /units,
  /budgets/:year/import)

Backend changes:
- Add has_seen_intro column to shared.users + migration
- Add PATCH /auth/intro-seen endpoint to mark tour complete
- Add PATCH /organizations/settings endpoint for org settings updates
- Include hasSeenIntro in login response, settings in switch-org response

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

backend/src/modules/auth/auth.controller.ts

@@ -1,6 +1,7 @@
 import {
   Controller,
   Post,
+  Patch,
   Body,
   UseGuards,
   Request,
@@ -42,6 +43,15 @@ export class AuthController {
     return this.authService.getProfile(req.user.sub);
   }
 
+  @Patch('intro-seen')
+  @ApiOperation({ summary: 'Mark the how-to intro as seen for the current user' })
+  @ApiBearerAuth()
+  @UseGuards(JwtAuthGuard)
+  async markIntroSeen(@Request() req: any) {
+    await this.authService.markIntroSeen(req.user.sub);
+    return { success: true };
+  }
+
   @Post('switch-org')
   @ApiOperation({ summary: 'Switch active organization' })
   @ApiBearerAuth()

backend/src/modules/auth/auth.service.ts

@@ -131,10 +131,15 @@ export class AuthService {
         id: membership.organization.id,
         name: membership.organization.name,
         role: membership.role,
+        settings: membership.organization.settings || {},
       },
     };
   }
 
+  async markIntroSeen(userId: string): Promise<void> {
+    await this.usersService.markIntroSeen(userId);
+  }
+
   private async recordLoginHistory(
     userId: string,
     organizationId: string | null,
@@ -185,6 +190,7 @@ export class AuthService {
         lastName: user.lastName,
         isSuperadmin: user.isSuperadmin || false,
         isPlatformOwner: user.isPlatformOwner || false,
+        hasSeenIntro: user.hasSeenIntro || false,
       },
       organizations: orgs.map((uo) => ({
         id: uo.organizationId,

backend/src/modules/organizations/organizations.controller.ts

@@ -1,4 +1,4 @@
-import { Controller, Post, Get, Put, Delete, Body, Param, UseGuards, Request, ForbiddenException } from '@nestjs/common';
+import { Controller, Post, Get, Put, Patch, Delete, Body, Param, UseGuards, Request, ForbiddenException } from '@nestjs/common';
 import { ApiTags, ApiOperation, ApiBearerAuth } from '@nestjs/swagger';
 import { OrganizationsService } from './organizations.service';
 import { CreateOrganizationDto } from './dto/create-organization.dto';
@@ -23,6 +23,13 @@ export class OrganizationsController {
     return this.orgService.findByUser(req.user.sub);
   }
 
+  @Patch('settings')
+  @ApiOperation({ summary: 'Update settings for the current organization' })
+  async updateSettings(@Request() req: any, @Body() body: Record<string, any>) {
+    this.requireTenantAdmin(req);
+    return this.orgService.updateSettings(req.user.orgId, body);
+  }
+
   // ── Org Member Management ──
 
   private requireTenantAdmin(req: any) {

backend/src/modules/organizations/organizations.service.ts

@@ -78,6 +78,13 @@ export class OrganizationsService {
     return this.orgRepository.save(org);
   }
 
+  async updateSettings(id: string, settings: Record<string, any>) {
+    const org = await this.orgRepository.findOne({ where: { id } });
+    if (!org) throw new NotFoundException('Organization not found');
+    org.settings = { ...(org.settings || {}), ...settings };
+    return this.orgRepository.save(org);
+  }
+
   async findByUser(userId: string) {
     const memberships = await this.userOrgRepository.find({
       where: { userId, isActive: true },

backend/src/modules/users/entities/user.entity.ts

@@ -49,6 +49,9 @@ export class User {
   @Column({ name: 'is_platform_owner', default: false })
   isPlatformOwner: boolean;
 
+  @Column({ name: 'has_seen_intro', default: false })
+  hasSeenIntro: boolean;
+
   @Column({ name: 'last_login_at', type: 'timestamptz', nullable: true })
   lastLoginAt: Date;
 

backend/src/modules/users/users.service.ts

@@ -57,6 +57,10 @@ export class UsersService {
     `);
   }
 
+  async markIntroSeen(id: string): Promise<void> {
+    await this.usersRepository.update(id, { hasSeenIntro: true });
+  }
+
   async setSuperadmin(userId: string, isSuperadmin: boolean): Promise<void> {
     // Protect platform owner from having superadmin removed
     const user = await this.usersRepository.findOne({ where: { id: userId } });

db/migrations/009-onboarding-flags.sql

@@ -0,0 +1,9 @@
+-- Migration: Add onboarding tracking flag to users table
+-- Phase 7: Onboarding Features
+
+BEGIN;
+
+ALTER TABLE shared.users
+  ADD COLUMN IF NOT EXISTS has_seen_intro BOOLEAN DEFAULT FALSE;
+
+COMMIT;

frontend/src/components/layout/AppLayout.tsx

@@ -1,3 +1,4 @@
+import { useState, useEffect } from 'react';
 import { AppShell, Burger, Group, Text, Menu, UnstyledButton, Avatar, Alert, Button } from '@mantine/core';
 import { useDisclosure } from '@mantine/hooks';
 import {
@@ -9,17 +10,51 @@ import {
   IconUsersGroup,
   IconEyeOff,
 } from '@tabler/icons-react';
-import { Outlet, useNavigate } from 'react-router-dom';
+import { Outlet, useNavigate, useLocation } from 'react-router-dom';
 import { useAuthStore } from '../../stores/authStore';
 import { Sidebar } from './Sidebar';
+import { AppTour } from '../onboarding/AppTour';
+import { OnboardingWizard } from '../onboarding/OnboardingWizard';
 import logoSrc from '../../assets/logo.svg';
 
 export function AppLayout() {
   const [opened, { toggle, close }] = useDisclosure();
   const { user, currentOrg, logout, impersonationOriginal, stopImpersonation } = useAuthStore();
   const navigate = useNavigate();
+  const location = useLocation();
   const isImpersonating = !!impersonationOriginal;
 
+  // ── Onboarding State ──
+  const [showTour, setShowTour] = useState(false);
+  const [showWizard, setShowWizard] = useState(false);
+
+  useEffect(() => {
+    // Only run for non-impersonating users with an org selected, on dashboard
+    if (isImpersonating || !currentOrg || !user) return;
+    if (!location.pathname.startsWith('/dashboard')) return;
+
+    if (user.hasSeenIntro === false || user.hasSeenIntro === undefined) {
+      // Delay to ensure DOM elements are rendered for tour targeting
+      const timer = setTimeout(() => setShowTour(true), 800);
+      return () => clearTimeout(timer);
+    } else if (currentOrg.settings?.onboardingComplete !== true) {
+      setShowWizard(true);
+    }
+  }, [user?.hasSeenIntro, currentOrg?.id, currentOrg?.settings?.onboardingComplete, isImpersonating, location.pathname]);
+
+  const handleTourComplete = () => {
+    setShowTour(false);
+    // After tour, check if onboarding wizard should run
+    if (currentOrg && currentOrg.settings?.onboardingComplete !== true) {
+      // Small delay before showing wizard
+      setTimeout(() => setShowWizard(true), 500);
+    }
+  };
+
+  const handleWizardComplete = () => {
+    setShowWizard(false);
+  };
+
   const handleLogout = () => {
     logout();
     navigate('/login');
@@ -145,6 +180,10 @@ export function AppLayout() {
       <AppShell.Main>
         <Outlet />
       </AppShell.Main>
+
+      {/* ── Onboarding Components ── */}
+      <AppTour run={showTour} onComplete={handleTourComplete} />
+      <OnboardingWizard opened={showWizard} onComplete={handleWizardComplete} />
     </AppShell>
   );
 }

frontend/src/components/layout/Sidebar.tsx

@@ -30,23 +30,23 @@ const navSections = [
   {
     label: 'Financials',
     items: [
-      { label: 'Accounts', icon: IconListDetails, path: '/accounts' },
+      { label: 'Accounts', icon: IconListDetails, path: '/accounts', tourId: 'nav-accounts' },
       { label: 'Cash Flow', icon: IconChartAreaLine, path: '/cash-flow' },
       { label: 'Monthly Actuals', icon: IconClipboardCheck, path: '/monthly-actuals' },
-      { label: 'Budgets', icon: IconReportAnalytics, path: '/budgets/2026' },
+      { label: 'Budgets', icon: IconReportAnalytics, path: '/budgets/2026', tourId: 'nav-budgets' },
     ],
   },
   {
     label: 'Assessments',
     items: [
       { label: 'Units / Homeowners', icon: IconHome, path: '/units' },
-      { label: 'Assessment Groups', icon: IconCategory, path: '/assessment-groups' },
+      { label: 'Assessment Groups', icon: IconCategory, path: '/assessment-groups', tourId: 'nav-assessment-groups' },
     ],
   },
   {
     label: 'Transactions',
     items: [
-      { label: 'Transactions', icon: IconReceipt, path: '/transactions' },
+      { label: 'Transactions', icon: IconReceipt, path: '/transactions', tourId: 'nav-transactions' },
       { label: 'Invoices', icon: IconFileInvoice, path: '/invoices' },
       { label: 'Payments', icon: IconCash, path: '/payments' },
     ],
@@ -56,7 +56,7 @@ const navSections = [
     items: [
       { label: 'Projects', icon: IconShieldCheck, path: '/projects' },
       { label: 'Capital Planning', icon: IconBuildingBank, path: '/capital-projects' },
-      { label: 'Investment Planning', icon: IconSparkles, path: '/investment-planning' },
+      { label: 'Investment Planning', icon: IconSparkles, path: '/investment-planning', tourId: 'nav-investment-planning' },
       { label: 'Vendors', icon: IconUsers, path: '/vendors' },
     ],
   },
@@ -66,6 +66,7 @@ const navSections = [
       {
         label: 'Reports',
         icon: IconChartSankey,
+        tourId: 'nav-reports',
         children: [
           { label: 'Balance Sheet', path: '/reports/balance-sheet' },
           { label: 'Income Statement', path: '/reports/income-statement' },
@@ -128,7 +129,7 @@ export function Sidebar({ onNavigate }: SidebarProps) {
   }
 
   return (
-    <ScrollArea p="sm">
+    <ScrollArea p="sm" data-tour="sidebar-nav">
       {navSections.map((section, sIdx) => (
         <div key={sIdx}>
           {section.label && (
@@ -148,6 +149,7 @@ export function Sidebar({ onNavigate }: SidebarProps) {
                 defaultOpened={item.children.some((c: any) =>
                   location.pathname.startsWith(c.path),
                 )}
+                data-tour={item.tourId || undefined}
               >
                 {item.children.map((child: any) => (
                   <NavLink
@@ -165,6 +167,7 @@ export function Sidebar({ onNavigate }: SidebarProps) {
                 leftSection={<item.icon size={18} />}
                 active={location.pathname === item.path}
                 onClick={() => go(item.path!)}
+                data-tour={item.tourId || undefined}
               />
             ),
           )}

frontend/src/components/onboarding/AppTour.tsx

@@ -0,0 +1,93 @@
+import { useState, useCallback } from 'react';
+import Joyride, { type CallBackProps, STATUS, ACTIONS, EVENTS } from 'react-joyride';
+import { TOUR_STEPS } from '../../config/tourSteps';
+import { useAuthStore } from '../../stores/authStore';
+import api from '../../services/api';
+
+interface AppTourProps {
+  run: boolean;
+  onComplete: () => void;
+}
+
+export function AppTour({ run, onComplete }: AppTourProps) {
+  const [stepIndex, setStepIndex] = useState(0);
+  const setUserIntroSeen = useAuthStore((s) => s.setUserIntroSeen);
+
+  const handleCallback = useCallback(
+    async (data: CallBackProps) => {
+      const { status, action, type } = data;
+      const finishedStatuses: string[] = [STATUS.FINISHED, STATUS.SKIPPED];
+
+      if (finishedStatuses.includes(status)) {
+        // Mark intro as seen on backend (fire-and-forget)
+        api.patch('/auth/intro-seen').catch(() => {});
+        setUserIntroSeen();
+        onComplete();
+        return;
+      }
+
+      // Handle step navigation
+      if (type === EVENTS.STEP_AFTER) {
+        setStepIndex((prev) =>
+          action === ACTIONS.PREV ? prev - 1 : prev + 1,
+        );
+      }
+    },
+    [onComplete, setUserIntroSeen],
+  );
+
+  if (!run) return null;
+
+  return (
+    <Joyride
+      steps={TOUR_STEPS}
+      run={run}
+      stepIndex={stepIndex}
+      continuous
+      showProgress
+      showSkipButton
+      scrollToFirstStep
+      disableOverlayClose
+      callback={handleCallback}
+      styles={{
+        options: {
+          primaryColor: '#228be6',
+          zIndex: 10000,
+          arrowColor: '#fff',
+          backgroundColor: '#fff',
+          textColor: '#333',
+          overlayColor: 'rgba(0, 0, 0, 0.5)',
+        },
+        tooltip: {
+          borderRadius: 8,
+          fontSize: 14,
+          padding: 20,
+        },
+        tooltipTitle: {
+          fontSize: 16,
+          fontWeight: 600,
+        },
+        buttonNext: {
+          borderRadius: 6,
+          fontSize: 14,
+          padding: '8px 16px',
+        },
+        buttonBack: {
+          borderRadius: 6,
+          fontSize: 14,
+          marginRight: 8,
+        },
+        buttonSkip: {
+          fontSize: 13,
+        },
+      }}
+      locale={{
+        back: 'Previous',
+        close: 'Close',
+        last: 'Finish Tour',
+        next: 'Next',
+        skip: 'Skip Tour',
+      }}
+    />
+  );
+}

frontend/src/components/onboarding/OnboardingWizard.tsx

@@ -0,0 +1,646 @@
+import { useState } from 'react';
+import {
+  Modal, Stepper, Button, Group, TextInput, NumberInput, Textarea,
+  Select, Stack, Text, Title, Alert, ActionIcon, Table, FileInput,
+  Card, ThemeIcon, Divider, Loader, Badge, SimpleGrid, Box,
+} from '@mantine/core';
+import { notifications } from '@mantine/notifications';
+import {
+  IconBuildingBank, IconUsers, IconFileSpreadsheet,
+  IconPlus, IconTrash, IconDownload, IconCheck, IconRocket,
+  IconAlertCircle,
+} from '@tabler/icons-react';
+import api from '../../services/api';
+import { useAuthStore } from '../../stores/authStore';
+
+interface OnboardingWizardProps {
+  opened: boolean;
+  onComplete: () => void;
+}
+
+interface UnitRow {
+  unitNumber: string;
+  ownerName: string;
+  ownerEmail: string;
+}
+
+// ── CSV Parsing (reused from BudgetsPage pattern) ──
+function parseCSV(text: string): Record<string, string>[] {
+  const lines = text.split('\n').filter((l) => l.trim());
+  if (lines.length < 2) return [];
+  const headers = lines[0].split(',').map((h) => h.trim().replace(/^"|"$/g, ''));
+  return lines.slice(1).map((line) => {
+    const values: string[] = [];
+    let current = '';
+    let inQuotes = false;
+    for (const char of line) {
+      if (char === '"') { inQuotes = !inQuotes; }
+      else if (char === ',' && !inQuotes) { values.push(current.trim()); current = ''; }
+      else { current += char; }
+    }
+    values.push(current.trim());
+    const row: Record<string, string> = {};
+    headers.forEach((h, i) => { row[h] = values[i] || ''; });
+    return row;
+  });
+}
+
+export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps) {
+  const [active, setActive] = useState(0);
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+  const setOrgSettings = useAuthStore((s) => s.setOrgSettings);
+
+  // ── Step 1: Account State ──
+  const [accountCreated, setAccountCreated] = useState(false);
+  const [accountName, setAccountName] = useState('Operating Checking');
+  const [accountNumber, setAccountNumber] = useState('1000');
+  const [accountDescription, setAccountDescription] = useState('');
+  const [initialBalance, setInitialBalance] = useState<number | string>(0);
+
+  // ── Step 2: Assessment Group State ──
+  const [groupCreated, setGroupCreated] = useState(false);
+  const [groupName, setGroupName] = useState('Standard Assessment');
+  const [regularAssessment, setRegularAssessment] = useState<number | string>(0);
+  const [frequency, setFrequency] = useState('monthly');
+  const [units, setUnits] = useState<UnitRow[]>([]);
+  const [unitsCreated, setUnitsCreated] = useState(false);
+
+  // ── Step 3: Budget State ──
+  const [budgetFile, setBudgetFile] = useState<File | null>(null);
+  const [budgetUploaded, setBudgetUploaded] = useState(false);
+  const [budgetImportResult, setBudgetImportResult] = useState<any>(null);
+
+  const currentYear = new Date().getFullYear();
+
+  // ── Step 1: Create Account ──
+  const handleCreateAccount = async () => {
+    if (!accountName.trim()) {
+      setError('Account name is required');
+      return;
+    }
+    if (!accountNumber.trim()) {
+      setError('Account number is required');
+      return;
+    }
+    const balance = typeof initialBalance === 'string' ? parseFloat(initialBalance) : initialBalance;
+    if (isNaN(balance)) {
+      setError('Initial balance must be a valid number');
+      return;
+    }
+
+    setLoading(true);
+    setError(null);
+    try {
+      await api.post('/accounts', {
+        accountNumber: accountNumber.trim(),
+        name: accountName.trim(),
+        description: accountDescription.trim(),
+        accountType: 'asset',
+        fundType: 'operating',
+        initialBalance: balance,
+      });
+      setAccountCreated(true);
+      notifications.show({
+        title: 'Account Created',
+        message: `${accountName} has been created with an initial balance of $${balance.toLocaleString()}`,
+        color: 'green',
+      });
+    } catch (err: any) {
+      const msg = err.response?.data?.message || 'Failed to create account';
+      setError(typeof msg === 'string' ? msg : JSON.stringify(msg));
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  // ── Step 2: Create Assessment Group ──
+  const handleCreateGroup = async () => {
+    if (!groupName.trim()) {
+      setError('Group name is required');
+      return;
+    }
+    const assessment = typeof regularAssessment === 'string' ? parseFloat(regularAssessment) : regularAssessment;
+    if (isNaN(assessment) || assessment <= 0) {
+      setError('Assessment amount must be greater than zero');
+      return;
+    }
+
+    setLoading(true);
+    setError(null);
+    try {
+      const { data: group } = await api.post('/assessment-groups', {
+        name: groupName.trim(),
+        regularAssessment: assessment,
+        frequency,
+        isDefault: true,
+      });
+      setGroupCreated(true);
+
+      // Create units if any were added
+      if (units.length > 0) {
+        let created = 0;
+        for (const unit of units) {
+          if (!unit.unitNumber.trim()) continue;
+          try {
+            await api.post('/units', {
+              unitNumber: unit.unitNumber.trim(),
+              ownerName: unit.ownerName.trim() || null,
+              ownerEmail: unit.ownerEmail.trim() || null,
+              assessmentGroupId: group.id,
+            });
+            created++;
+          } catch {
+            // Continue even if a unit fails
+          }
+        }
+        setUnitsCreated(true);
+        notifications.show({
+          title: 'Assessment Group Created',
+          message: `${groupName} created with ${created} unit(s)`,
+          color: 'green',
+        });
+      } else {
+        notifications.show({
+          title: 'Assessment Group Created',
+          message: `${groupName} created successfully`,
+          color: 'green',
+        });
+      }
+    } catch (err: any) {
+      const msg = err.response?.data?.message || 'Failed to create assessment group';
+      setError(typeof msg === 'string' ? msg : JSON.stringify(msg));
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  // ── Step 3: Budget Import ──
+  const handleDownloadTemplate = async () => {
+    try {
+      const response = await api.get(`/budgets/${currentYear}/template`, {
+        responseType: 'blob',
+      });
+      const url = window.URL.createObjectURL(new Blob([response.data]));
+      const link = document.createElement('a');
+      link.href = url;
+      link.setAttribute('download', `budget_template_${currentYear}.csv`);
+      document.body.appendChild(link);
+      link.click();
+      link.remove();
+      window.URL.revokeObjectURL(url);
+    } catch {
+      notifications.show({
+        title: 'Error',
+        message: 'Failed to download template',
+        color: 'red',
+      });
+    }
+  };
+
+  const handleUploadBudget = async () => {
+    if (!budgetFile) {
+      setError('Please select a CSV file');
+      return;
+    }
+
+    setLoading(true);
+    setError(null);
+    try {
+      const text = await budgetFile.text();
+      const rows = parseCSV(text);
+      if (rows.length === 0) {
+        setError('CSV file appears to be empty or invalid');
+        setLoading(false);
+        return;
+      }
+
+      const { data } = await api.post(`/budgets/${currentYear}/import`, { rows });
+      setBudgetUploaded(true);
+      setBudgetImportResult(data);
+      notifications.show({
+        title: 'Budget Imported',
+        message: `Imported ${data.imported || rows.length} budget line(s) for ${currentYear}`,
+        color: 'green',
+      });
+    } catch (err: any) {
+      const msg = err.response?.data?.message || 'Failed to import budget';
+      setError(typeof msg === 'string' ? msg : JSON.stringify(msg));
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  // ── Finish Wizard ──
+  const handleFinish = async () => {
+    setLoading(true);
+    try {
+      await api.patch('/organizations/settings', { onboardingComplete: true });
+      setOrgSettings({ onboardingComplete: true });
+      onComplete();
+    } catch {
+      // Even if API fails, close the wizard — onboarding data is already created
+      onComplete();
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  // ── Unit Rows ──
+  const addUnit = () => {
+    setUnits([...units, { unitNumber: '', ownerName: '', ownerEmail: '' }]);
+  };
+
+  const updateUnit = (index: number, field: keyof UnitRow, value: string) => {
+    const updated = [...units];
+    updated[index] = { ...updated[index], [field]: value };
+    setUnits(updated);
+  };
+
+  const removeUnit = (index: number) => {
+    setUnits(units.filter((_, i) => i !== index));
+  };
+
+  // ── Navigation ──
+  const canGoNext = () => {
+    if (active === 0) return accountCreated;
+    if (active === 1) return groupCreated;
+    if (active === 2) return true; // Budget is optional
+    return false;
+  };
+
+  const nextStep = () => {
+    setError(null);
+    if (active < 3) setActive(active + 1);
+  };
+
+  return (
+    <Modal
+      opened={opened}
+      onClose={() => {}} // Prevent closing without completing
+      withCloseButton={false}
+      size="xl"
+      centered
+      overlayProps={{ opacity: 0.6, blur: 3 }}
+      styles={{
+        body: { padding: 0 },
+      }}
+    >
+      {/* Header */}
+      <Box px="xl" pt="xl" pb="md" style={{ borderBottom: '1px solid var(--mantine-color-gray-2)' }}>
+        <Group>
+          <ThemeIcon size={44} radius="md" variant="gradient" gradient={{ from: 'blue', to: 'cyan' }}>
+            <IconRocket size={24} />
+          </ThemeIcon>
+          <div>
+            <Title order={3}>Set Up Your Organization</Title>
+            <Text c="dimmed" size="sm">
+              Let&apos;s get the essentials configured so you can start managing your HOA finances.
+            </Text>
+          </div>
+        </Group>
+      </Box>
+
+      <Box px="xl" py="lg">
+        <Stepper active={active} size="sm" mb="xl">
+          <Stepper.Step
+            label="Operating Account"
+            description="Set up your primary bank account"
+            icon={<IconBuildingBank size={18} />}
+            completedIcon={<IconCheck size={18} />}
+          />
+          <Stepper.Step
+            label="Assessment Group"
+            description="Define homeowner assessments"
+            icon={<IconUsers size={18} />}
+            completedIcon={<IconCheck size={18} />}
+          />
+          <Stepper.Step
+            label="Budget"
+            description="Import your annual budget"
+            icon={<IconFileSpreadsheet size={18} />}
+            completedIcon={<IconCheck size={18} />}
+          />
+        </Stepper>
+
+        {error && (
+          <Alert icon={<IconAlertCircle size={16} />} color="red" mb="md" withCloseButton onClose={() => setError(null)}>
+            {error}
+          </Alert>
+        )}
+
+        {/* ── Step 1: Create Operating Account ── */}
+        {active === 0 && (
+          <Stack gap="md">
+            <Card withBorder p="lg">
+              <Text fw={600} mb="xs">Create Your Primary Operating Account</Text>
+              <Text size="sm" c="dimmed" mb="md">
+                This is your HOA&apos;s main bank account for day-to-day operations. You can add more accounts later.
+              </Text>
+
+              {accountCreated ? (
+                <Alert icon={<IconCheck size={16} />} color="green" variant="light">
+                  <Text fw={500}>{accountName} created successfully!</Text>
+                  <Text size="sm" c="dimmed">
+                    Initial balance: ${(typeof initialBalance === 'number' ? initialBalance : parseFloat(initialBalance as string) || 0).toLocaleString()}
+                  </Text>
+                </Alert>
+              ) : (
+                <>
+                  <SimpleGrid cols={2} mb="md">
+                    <TextInput
+                      label="Account Name"
+                      placeholder="e.g. Operating Checking"
+                      value={accountName}
+                      onChange={(e) => setAccountName(e.currentTarget.value)}
+                      required
+                    />
+                    <TextInput
+                      label="Account Number"
+                      placeholder="e.g. 1000"
+                      value={accountNumber}
+                      onChange={(e) => setAccountNumber(e.currentTarget.value)}
+                      required
+                    />
+                  </SimpleGrid>
+                  <Textarea
+                    label="Description"
+                    placeholder="Optional description"
+                    value={accountDescription}
+                    onChange={(e) => setAccountDescription(e.currentTarget.value)}
+                    mb="md"
+                    autosize
+                    minRows={2}
+                  />
+                  <NumberInput
+                    label="Current Balance"
+                    description="Enter the current balance of this bank account"
+                    placeholder="0.00"
+                    value={initialBalance}
+                    onChange={setInitialBalance}
+                    thousandSeparator=","
+                    prefix="$"
+                    decimalScale={2}
+                    mb="md"
+                  />
+                  <Button
+                    onClick={handleCreateAccount}
+                    loading={loading}
+                    leftSection={<IconBuildingBank size={16} />}
+                  >
+                    Create Account
+                  </Button>
+                </>
+              )}
+            </Card>
+          </Stack>
+        )}
+
+        {/* ── Step 2: Assessment Group + Units ── */}
+        {active === 1 && (
+          <Stack gap="md">
+            <Card withBorder p="lg">
+              <Text fw={600} mb="xs">Create an Assessment Group</Text>
+              <Text size="sm" c="dimmed" mb="md">
+                Assessment groups define how much each homeowner pays and how often. You can create additional groups later for different unit types.
+              </Text>
+
+              {groupCreated ? (
+                <Alert icon={<IconCheck size={16} />} color="green" variant="light">
+                  <Text fw={500}>{groupName} created successfully!</Text>
+                  <Text size="sm" c="dimmed">
+                    ${(typeof regularAssessment === 'number' ? regularAssessment : parseFloat(regularAssessment as string) || 0).toLocaleString()} {frequency}
+                    {unitsCreated && ` with ${units.length} unit(s)`}
+                  </Text>
+                </Alert>
+              ) : (
+                <>
+                  <SimpleGrid cols={3} mb="md">
+                    <TextInput
+                      label="Group Name"
+                      placeholder="e.g. Standard Assessment"
+                      value={groupName}
+                      onChange={(e) => setGroupName(e.currentTarget.value)}
+                      required
+                    />
+                    <NumberInput
+                      label="Assessment Amount"
+                      placeholder="0.00"
+                      value={regularAssessment}
+                      onChange={setRegularAssessment}
+                      thousandSeparator=","
+                      prefix="$"
+                      decimalScale={2}
+                      required
+                    />
+                    <Select
+                      label="Frequency"
+                      value={frequency}
+                      onChange={(v) => setFrequency(v || 'monthly')}
+                      data={[
+                        { value: 'monthly', label: 'Monthly' },
+                        { value: 'quarterly', label: 'Quarterly' },
+                        { value: 'annual', label: 'Annual' },
+                      ]}
+                    />
+                  </SimpleGrid>
+
+                  <Divider my="md" label="Add Homeowner Units (Optional)" labelPosition="center" />
+
+                  {units.length > 0 && (
+                    <Table mb="md" striped withTableBorder>
+                      <Table.Thead>
+                        <Table.Tr>
+                          <Table.Th>Unit Number</Table.Th>
+                          <Table.Th>Owner Name</Table.Th>
+                          <Table.Th>Owner Email</Table.Th>
+                          <Table.Th w={40}></Table.Th>
+                        </Table.Tr>
+                      </Table.Thead>
+                      <Table.Tbody>
+                        {units.map((unit, idx) => (
+                          <Table.Tr key={idx}>
+                            <Table.Td>
+                              <TextInput
+                                size="xs"
+                                placeholder="e.g. 101"
+                                value={unit.unitNumber}
+                                onChange={(e) => updateUnit(idx, 'unitNumber', e.currentTarget.value)}
+                              />
+                            </Table.Td>
+                            <Table.Td>
+                              <TextInput
+                                size="xs"
+                                placeholder="John Smith"
+                                value={unit.ownerName}
+                                onChange={(e) => updateUnit(idx, 'ownerName', e.currentTarget.value)}
+                              />
+                            </Table.Td>
+                            <Table.Td>
+                              <TextInput
+                                size="xs"
+                                placeholder="john@example.com"
+                                value={unit.ownerEmail}
+                                onChange={(e) => updateUnit(idx, 'ownerEmail', e.currentTarget.value)}
+                              />
+                            </Table.Td>
+                            <Table.Td>
+                              <ActionIcon color="red" variant="subtle" size="sm" onClick={() => removeUnit(idx)}>
+                                <IconTrash size={14} />
+                              </ActionIcon>
+                            </Table.Td>
+                          </Table.Tr>
+                        ))}
+                      </Table.Tbody>
+                    </Table>
+                  )}
+
+                  <Group mb="md">
+                    <Button
+                      variant="light"
+                      size="xs"
+                      leftSection={<IconPlus size={14} />}
+                      onClick={addUnit}
+                    >
+                      Add Unit
+                    </Button>
+                    <Text size="xs" c="dimmed">You can also import units in bulk later from the Units page.</Text>
+                  </Group>
+
+                  <Button
+                    onClick={handleCreateGroup}
+                    loading={loading}
+                    leftSection={<IconUsers size={16} />}
+                  >
+                    Create Assessment Group
+                  </Button>
+                </>
+              )}
+            </Card>
+          </Stack>
+        )}
+
+        {/* ── Step 3: Budget Upload ── */}
+        {active === 2 && (
+          <Stack gap="md">
+            <Card withBorder p="lg">
+              <Text fw={600} mb="xs">Import Your {currentYear} Budget</Text>
+              <Text size="sm" c="dimmed" mb="md">
+                Upload a CSV file with your annual budget. If you don&apos;t have one ready, you can download a template
+                or skip this step and set it up later from the Budgets page.
+              </Text>
+
+              {budgetUploaded ? (
+                <Alert icon={<IconCheck size={16} />} color="green" variant="light">
+                  <Text fw={500}>Budget imported successfully!</Text>
+                  {budgetImportResult && (
+                    <Text size="sm" c="dimmed">
+                      {budgetImportResult.created || 0} new lines created, {budgetImportResult.updated || 0} updated
+                    </Text>
+                  )}
+                </Alert>
+              ) : (
+                <>
+                  <Group mb="md">
+                    <Button
+                      variant="light"
+                      leftSection={<IconDownload size={16} />}
+                      onClick={handleDownloadTemplate}
+                    >
+                      Download CSV Template
+                    </Button>
+                  </Group>
+
+                  <FileInput
+                    label="Upload Budget CSV"
+                    placeholder="Click to select a .csv file"
+                    accept=".csv"
+                    value={budgetFile}
+                    onChange={setBudgetFile}
+                    mb="md"
+                    leftSection={<IconFileSpreadsheet size={16} />}
+                  />
+
+                  <Button
+                    onClick={handleUploadBudget}
+                    loading={loading}
+                    leftSection={<IconFileSpreadsheet size={16} />}
+                    disabled={!budgetFile}
+                  >
+                    Import Budget
+                  </Button>
+                </>
+              )}
+            </Card>
+          </Stack>
+        )}
+
+        {/* ── Completion Screen ── */}
+        {active === 3 && (
+          <Card withBorder p="xl" style={{ textAlign: 'center' }}>
+            <ThemeIcon size={60} radius="xl" variant="gradient" gradient={{ from: 'green', to: 'teal' }} mx="auto" mb="md">
+              <IconCheck size={32} />
+            </ThemeIcon>
+            <Title order={3} mb="xs">You&apos;re All Set!</Title>
+            <Text c="dimmed" mb="lg" maw={400} mx="auto">
+              Your organization is configured and ready to go. You can always update your accounts,
+              assessment groups, and budgets from the sidebar navigation.
+            </Text>
+            <SimpleGrid cols={3} mb="xl" maw={500} mx="auto">
+              <Card withBorder p="sm" style={{ textAlign: 'center' }}>
+                <ThemeIcon size={32} color="blue" variant="light" radius="xl" mx="auto" mb={4}>
+                  <IconBuildingBank size={16} />
+                </ThemeIcon>
+                <Badge color="green" size="sm">Done</Badge>
+                <Text size="xs" mt={4}>Account</Text>
+              </Card>
+              <Card withBorder p="sm" style={{ textAlign: 'center' }}>
+                <ThemeIcon size={32} color="blue" variant="light" radius="xl" mx="auto" mb={4}>
+                  <IconUsers size={16} />
+                </ThemeIcon>
+                <Badge color="green" size="sm">Done</Badge>
+                <Text size="xs" mt={4}>Assessments</Text>
+              </Card>
+              <Card withBorder p="sm" style={{ textAlign: 'center' }}>
+                <ThemeIcon size={32} color="blue" variant="light" radius="xl" mx="auto" mb={4}>
+                  <IconFileSpreadsheet size={16} />
+                </ThemeIcon>
+                <Badge color={budgetUploaded ? 'green' : 'yellow'} size="sm">
+                  {budgetUploaded ? 'Done' : 'Skipped'}
+                </Badge>
+                <Text size="xs" mt={4}>Budget</Text>
+              </Card>
+            </SimpleGrid>
+            <Button
+              size="lg"
+              onClick={handleFinish}
+              loading={loading}
+              leftSection={<IconRocket size={18} />}
+              variant="gradient"
+              gradient={{ from: 'blue', to: 'cyan' }}
+            >
+              Start Using LedgerIQ
+            </Button>
+          </Card>
+        )}
+
+        {/* ── Navigation Buttons ── */}
+        {active < 3 && (
+          <Group justify="flex-end" mt="xl">
+            {active === 2 && !budgetUploaded && (
+              <Button variant="subtle" onClick={nextStep}>
+                Skip for now
+              </Button>
+            )}
+            <Button
+              onClick={nextStep}
+              disabled={!canGoNext()}
+            >
+              {active === 2 ? (budgetUploaded ? 'Continue' : '') : 'Next Step'}
+            </Button>
+          </Group>
+        )}
+      </Box>
+    </Modal>
+  );
+}

frontend/src/config/tourSteps.ts

@@ -0,0 +1,68 @@
+/**
+ * How-To Intro Tour Steps
+ *
+ * Centralized configuration for the react-joyride walkthrough.
+ * Edit the title and content fields below to change tour text.
+ * Steps are ordered to mirror the natural workflow of the platform.
+ */
+import type { Step } from 'react-joyride';
+
+export const TOUR_STEPS: Step[] = [
+  {
+    target: '[data-tour="dashboard-content"]',
+    title: 'Your Financial Dashboard',
+    content:
+      'Welcome to LedgerIQ! This dashboard gives you an at-a-glance view of your HOA\'s financial health — operating funds, reserve funds, receivables, delinquencies, and recent transactions. It updates automatically as you record activity.',
+    placement: 'center',
+    disableBeacon: true,
+  },
+  {
+    target: '[data-tour="sidebar-nav"]',
+    title: 'Navigation',
+    content:
+      'The sidebar organizes all your tools into five sections: Financials, Assessments, Transactions, Planning, and Reports. Click any item to navigate directly to that module.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-accounts"]',
+    title: 'Chart of Accounts',
+    content:
+      'Manage your Chart of Accounts here. Set up operating and reserve fund bank accounts, track balances, record opening balances, and manage your investment accounts — all separated by fund type.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-assessment-groups"]',
+    title: 'Assessments & Homeowners',
+    content:
+      'Create assessment groups to define your monthly, quarterly, or annual HOA dues. Add homeowner units, assign them to groups, and generate invoices automatically based on your assessment schedule.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-transactions"]',
+    title: 'Transactions & Journal Entries',
+    content:
+      'Record all financial activity here through double-entry journal entries. The system also automatically creates entries when you record payments, generate invoices, or set opening balances.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-budgets"]',
+    title: 'Budget Management',
+    content:
+      'Create and manage annual budgets for every income and expense account. You can enter amounts manually by month or import your budget from a CSV file for quick setup.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-reports"]',
+    title: 'Financial Reports',
+    content:
+      'Generate comprehensive reports including Balance Sheet, Income Statement, Cash Flow Statement, Budget vs Actual, Aging Report, and more. All reports are generated in real-time from your journal data.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-investment-planning"]',
+    title: 'AI Investment Planning',
+    content:
+      'Use AI-powered recommendations to optimize your reserve fund investments. The system analyzes current market rates for CDs, money market accounts, and high-yield savings to suggest the best allocation strategy.',
+    placement: 'right',
+  },
+];

frontend/src/pages/dashboard/DashboardPage.tsx

@@ -52,7 +52,7 @@ export function DashboardPage() {
   };
 
   return (
-    <Stack>
+    <Stack data-tour="dashboard-content">
       <div>
         <Title order={2}>Dashboard</Title>
         <Text c="dimmed" size="sm">

frontend/src/stores/authStore.ts

@@ -7,6 +7,7 @@ interface Organization {
   role: string;
   schemaName?: string;
   status?: string;
+  settings?: Record<string, any>;
 }
 
 interface User {
@@ -16,6 +17,7 @@ interface User {
   lastName: string;
   isSuperadmin?: boolean;
   isPlatformOwner?: boolean;
+  hasSeenIntro?: boolean;
 }
 
 interface ImpersonationOriginal {
@@ -33,6 +35,8 @@ interface AuthState {
   impersonationOriginal: ImpersonationOriginal | null;
   setAuth: (token: string, user: User, organizations: Organization[]) => void;
   setCurrentOrg: (org: Organization, token?: string) => void;
+  setUserIntroSeen: () => void;
+  setOrgSettings: (settings: Record<string, any>) => void;
   startImpersonation: (token: string, user: User, organizations: Organization[]) => void;
   stopImpersonation: () => void;
   logout: () => void;
@@ -59,6 +63,16 @@ export const useAuthStore = create<AuthState>()(
           currentOrg: org,
           token: token || state.token,
         })),
+      setUserIntroSeen: () =>
+        set((state) => ({
+          user: state.user ? { ...state.user, hasSeenIntro: true } : null,
+        })),
+      setOrgSettings: (settings) =>
+        set((state) => ({
+          currentOrg: state.currentOrg
+            ? { ...state.currentOrg, settings: { ...(state.currentOrg.settings || {}), ...settings } }
+            : null,
+        })),
       startImpersonation: (token, user, organizations) => {
         const state = get();
         set({
@@ -97,7 +111,7 @@ export const useAuthStore = create<AuthState>()(
     }),
     {
       name: 'ledgeriq-auth',
-      version: 4,
+      version: 5,
       migrate: () => ({
         token: null,
         user: null,