[WIP] Add plan generation and recommendation engine

[Copilot]

Thanks for assigning this issue to me. I'm starting to work on it and will keep this PR's description up to date as I form a plan and make progress.

Original prompt

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This section details on the original issue you should resolve

<issue_title>feat(advice): plan generation and recommendation engine</issue_title>
<issue_description>## Summary
Build packages/advice — sits above analytics, generates actionable financial recommendations.

Owns

• Plan generation: Create financial plans from current state + goals
• Recommendation ranking: Prioritize actions by impact and feasibility
• Scenario comparisons: "What if I cancel Netflix + Spotify? What if I pay extra on mortgage?"
• Plain-language summaries: Human-readable explanations of financial state

Principles

• Advice is always grounded in deterministic analytics — never hallucinated
• LLM summarization (via ai-providers) is optional — summaries work without it
• Recommendations include expected impact in dollars and timeline
• No investment advice in Phase 1 — focus on spending/debt/savings

Example Output

Recommendation: Cancel unused subscriptions
Impact: Save $47/month ($564/year)
Items: Hulu ($18), Adobe CC ($23), Audible ($6) — unused 90+ days
Confidence: High (based on zero usage transactions)

Acceptance

• Generates spending reduction recommendations from analytics
• Scenario comparison shows dollar impact
• Summaries are plain language, not financial jargon
• Works without AI provider configured (deterministic mode)</issue_description>

Comments on the Issue (you are @copilot in this section)

• Fixes feat(advice): plan generation and recommendation engine #57

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[kayodebristol]

Closing this PR to enforce the 1-PR-per-repo rule. Only one Copilot PR is allowed per repository at a time. The oldest PR (#48) will be kept active.