v0.5.0

What's Changed

• feature/refine_assets by @snayff in #21
• feature/data_export_import by @snayff in #22
• fix/spa_fail_redirect by @snayff in #23
• feature/cashflow_tab by @snayff in #24
• feat(gifts): gift planner with matrix model by @snayff in #25
• fix/misc_fixes by @snayff in #26
• fix/vertical_scrollbar_on_inline_expand by @snayff in #32
• feat(audit-log): hide system fields and show before/after clearly by @snayff in #33
• fix/pence_not_shown by @snayff in #29
• fix/align_right_panel_headers by @snayff in #30
• fix/waterfall_period by @snayff in #31
• fix/rate_limit: per-user rate limiting, don't retry 429, fix pending invite state by @snayff in #34
• feat: add weekly and quarterly frequency support by @snayff in #35
• feat: enhance settings (split pages, auto-save, profile avatar nav) by @snayff in #36
• fix: remove unused achievement component by @snayff in #37
• feat: proactively refresh access token to avoid 401 storms by @snayff in #38
• feat(audit): richer audit logging by @snayff in #39
• feature/quick-add-waterfall by @snayff in #40
• feat: asset & account growth contributions by @snayff in #41
• feat: universal search (Ctrl+K command palette) by @snayff in #42
• feat(ui): context breadcrumb header by @snayff in #43
• feat(forecast): surface savings/S&S charts + retirement KPI cards by @snayff in #44
• refactor/design-token-hygiene-cleanup by @snayff in #46
• Member attribution on Waterfall items (income, committed, discretionary) by @snayff in #45
• feat: asset & account planned liquidation dates by @snayff in #47
• feature/savings-contribution-limit by @snayff in #48
• feature/committed-discretionary-shortfall-nudge by @snayff in #49
• fix(hooks): TanStack Query mutation consistency — onError sweep + optimistic updates by @snayff in #50
• feat: ISA allowance indicator — full implementation by @snayff in #51
• fix: verification cleanup — audit polling, turbo cache, env example by @snayff in #52
• v0.5.0 by @snayff in #53

Full Changelog: v0.4.1...v0.5.0