This is the shell-level home for the AI coach. The page keeps its own right rail for deterministic guidance, while chat opens in a separate layer so it never crushes the core content.
Once we wire the real product, this panel can hold the conversation thread, citations, and coach-specific actions without fighting the Overview layout.
What should I focus on first?
Start with the highest-confidence next action. In a failing plan that would usually be a priority action card or a key gap card. In a strong plan it may pivot to tax timing, healthcare timing, or distribution strategy.