Strategy Dossier - IFC
Strategy Dossier — Informed Financial Consent (IFC)
Type: P3 Strategy Artefact — Strategy Dossier (Issued)
Dossier ID: SD-IFC-2026-001
Programme: Informed Financial Consent (IFC)
Sentinel authority: Andrew (Strategy pillar) | Brian (Operational authority — co-issuer)
Issued: 2026-05-10
Epoch: IFC Build-Out — from 2026-05-10 until all five component tools have been used in at least one complete NDIS planning cycle and first NDIA responses (Statements of Participant Supports) have been received
Status: Issued — active
Reference: P3 Minimum Viable Strategy, P3 Programme Guidance
Derived from: IFC Strategy Brief - Stage 3 Strategy Pass (working paper, Droppings/)
Binding key: The identifier
SD-IFC-2026-001is the spine of the IFC Programme. Every Factory Charter, Product Brief, Pattern Dossier, Saga, and Principle attribution within the IFC Programme must cite this identifier. Any artefact not carrying this identifier is not part of the IFC Programme.
Structural Finding — Programme, Not Product
This Dossier confirms that IFC is a Programme, not a Product. IFC is a strategic framework that transfers value through five component products. IFC itself does not transfer value directly — it is the directional logic that holds the component products together and ensures they serve a coherent purpose.
In P3 terms:
- IFC = this Strategy Dossier (SD-IFC-2026-001)
- PST (Participant Statement) = Component Product #4 — brief exists at Product Brief - Participant Statement Toolkit
- Components #1, #2, #3, #5 = Products requiring their own briefs (see Component Inventory below)
The P3 hierarchy: IFC Strategy Dossier → five Component Product Briefs.
Six-Part Strategy
1. Direction Statement
NAVV is moving toward participant financial sovereignty in the NDIS — from passive beneficiary to active, informed choice-maker — at a pace our current dual-credential SC/PRC practitioner model can sustain, building the informed consent tool suite and establishing the practitioner governance framework this epoch.
Slope form confirmed: The direction is clear (participant financial sovereignty), the velocity constraint is real (current capacity = one or two dual-credential practitioners), and the epoch work is named (IFC tool suite build-out).
2. Value Rationale
The NDIS's "Choice and Control" mandate is structurally undermined by participant incomprehension of their own financial architecture. The system has, in practice, defaulted to passive coordinator assignment, while profit-seeking providers drain budgets through over-servicing and cancellation fees. Participants — particularly those with psychosocial disabilities — are making consequential financial decisions without the tools or knowledge to do so genuinely.
Market void: No current NDIS service offering combines legislative compliance, financial transparency, visual accessibility, and the Registration Group R106 flexibility doctrine into a coherent, participant-facing consent suite. The R106 "Master Key" — allowing a single practitioner to move dynamically between Support Coordination (Outcome 8) and Psychosocial Recovery Coaching (Outcome 6) within Category 07 — is a unique regulatory opportunity that the market has not operationalised as a participant-empowerment mechanism.
Blue Ocean position: IFC does not compete with existing NDIS coordinators on standard coordination services. It creates a new category: the informed-consent-centred SC/PRC practitioner who acts as a financial transparency navigator rather than a default service provider. This is structurally differentiated from the market, not marginally better than it.
3. Capability Assessment (Strategy Sieve)
| Element | Sieve State | Notes |
|---|---|---|
| Legislative and compliance framework (R106, s33(2), s34(1)(a)) | Now | Golden Thread justification fully established. Compliance architecture complete. |
| Service Agreement with IFC protections and COI declarations | Now | Drafted. Structural integrity established. |
| Conflict-of-interest model (non-duplication, separate billing) | Now | Designed. Institutional principle confirmed. |
| Least-Cost-Appropriate-Provider decision rule | Now | Articulated as an operational heuristic. Embedded in PRC Plan design. |
| Visual Guide to NDIS Plan (Component #1) | Grow | Final visual assets not yet produced. Conceptual structure locked. |
| Visual Guide to Service Agreement (Component #2) | Grow | Final visual assets not yet produced. |
| Choice and Control Flexibility Educator (Component #3) | Grow | Concept defined. Tool format not yet finalised. |
| Participant Statement (Component #4 — PST) | Grow | v7 prototype in place. Save function (R-023) still pending. |
| Psychosocial Recovery Plan — Barrier-to-Implementation Matrix (Component #5) | Grow | Structure designed (CHIME-D framework, SC/PRC pivot logic). Final tool not yet built. |
| Dual-credential SC/PRC practitioners at scale | Recalibrate | Current capacity = individual practitioner level. Scaling requires more dual-credential practitioners — not achievable this epoch. |
Summary: Two "Now" elements (compliance and governance infrastructure), five "Grow" elements (all five component tools), one "Recalibrate" element (scale). This is a viable strategic configuration — the direction is executable at current capacity for the build-out epoch, with scale deferred.
Corridor width: NAVV Maturity Assessment - 2026-05-08 is the governing Maturity Epoch Assessment for this Dossier.
4. Sacrifice List
The following are explicitly out of scope and deliberately sacrificed to maintain the impartial advice model:
- Core Support provision (support workers, cleaners) — the single largest revenue category in the NDIS market, explicitly excluded to preserve independence
- Plan Management — excluded to avoid the financial incentive to maximise plan spend
- Supported Independent Living (SIL) — excluded; scale and compliance requirements incompatible with the practitioner model
- Clinical Therapy, Specialist Behaviour Support, Restrictive Practices — excluded; out-of-scope specialist services that would create scope creep and dilute the IFC focus
- Crisis response (CATT) and compliance enforcement — excluded; the IFC model is consent-based, not coercive
This sacrifice list must be enforced as a governing constraint — not a business preference. As the IFC suite matures and trust grows, there will be commercial pressure to expand into excluded service areas. The sacrifice list is part of this Dossier and applies for the full epoch.
5. Principle Activation
Governing constraints foregrounded by this Dossier — the corridor walls of the IFC Programme:
| Principle | P3 Reference | Why Foregrounded |
|---|---|---|
| NDIS Legislative Supremacy | PR-A001 | R106 flexibility, s33(2) participant statement, s34(1)(a) necessity — the entire IFC model is legally grounded |
| PAPL Currency | PR-R001 | Visual guides and service agreements must reflect current pricing — error here has direct participant financial impact |
| Participant data sovereignty (no server submission) | PR-I003 | All IFC tools are self-contained — no participant financial data leaves the practitioner's device |
| Managed Conflict of Interest | PR-I001 (Distributed Sentinel) | The non-duplication and least-cost-appropriate-provider rules require active sentinel vigilance — Brian and Andrew both |
Principles requiring active defence:
- Managed Conflict of Interest — the sacrifice list must be enforced as a principle.
- PAPL Currency — visual guides embedded with price codes and category references will need regular refresh as PAPL changes.
6. Epoch Definition
Current epoch: Build-out and first deployment of the five-component IFC tool suite in solo/small-team SC/PRC practitioner context.
Epoch start: 2026-05-10 (this Dossier's issuance date)
Epoch horizon: When all five component tools have been used in at least one complete NDIS planning cycle and first NDIA responses (Statements of Participant Supports) have been received.
Recalibration signal: Structural evidence that the core hypothesis is failing — specifically, if NDIA planners are consistently rejecting or ignoring IFC-prepared statements, or if participants report the consent tools are too complex to engage with. Either finding would warrant rethinking the intervention model, not just the tool design.
What does NOT constitute a recalibration signal: Individual tool defects (e.g., PST missing save function), early-phase confusion from practitioners unfamiliar with R106 flexibility, or single adverse NDIA responses. These are operational signals — fix the tool, refine the guidance.
Component Product Inventory
| # | Component | Description | P3 Brief Status | Next Action |
|---|---|---|---|---|
| 1 | Visual Guide to the NDIS Plan | Category 7 Choice and Control Intake Matrix — explains NDIS mechanics, Digital Locks, R106 flexibility in visual form | Not yet created | Commission brief (cite SD-IFC-2026-001) |
| 2 | Visual Guide to the Service Agreement | Contractual and educational instrument — separates NF2F/F2F costs, documents SC/PRC blend, budget monitoring triggers | Not yet created | Commission brief (cite SD-IFC-2026-001) |
| 3 | Choice and Control Flexibility Educator | Loop 4 of Component #1 — teaches SC (Outcome 8) vs. PRC (Outcome 6) pivot decision and the R106 Hybrid Choice | Merged into Component #1 (2026-05-11) | See Product Brief - Visual Guide to the NDIS Plan — Loop 4 |
| 4 | Participant Statement (PST) | Data-capture tool — Product Brief - Participant Statement Toolkit | Active (validated 2026-05-09) | Update brief to cite SD-IFC-2026-001 |
| 5 | Psychosocial Recovery Plan | Barrier-to-Implementation Matrix — CHIME-D framework, SC/PRC pivot logic, compliance shield | Not yet created | Commission brief (cite SD-IFC-2026-001) |
Dossier Closure (Derivable on Demand)
To materialise the IFC Strategic Bundle, query all P3-Governance artefacts citing SD-IFC-2026-001. The complete Programme is the derived set — not any stored container.
As of issuance (2026-05-10), the IFC Strategic Bundle comprises:
| Artefact | Reference | Status |
|---|---|---|
| Strategy Dossier | This document | Issued |
| Factory Charter | Factory Charter - IFC Build-Out | Issued 2026-05-10 |
| Saga | Saga - IFC Build-Out | Open — started 2026-05-10 |
| Component #4 — PST | Product Brief - Participant Statement Toolkit | Active (pre-citation; update pending) |
| Components #1, #2, #3, #5 | — | Not yet briefed |
Issued: 2026-05-10. Derived from working paper in Droppings/.
NbLM source: IFC notebook 07344d6e-933e-43f0-81e2-8576ff93e178.