SurgeTK News Center

This release is about the reports your clients hold in their hands. The Beneficiary report now says Missing Beneficiaries instead of leaving a blank, keeps a client's name on the same page as their accounts, and prints middle initials correctly. Accounts holding a zero balance leave your planning reports, closed insurance policies leave them too, and spreadsheet imports read dollar amounts the way people actually type them.
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Everything below is live for every firm, and most of it is automatic. Items that need you to turn something on are marked Optional.
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Beneficiary report

The report your clients read to check their estate plan now says more and breaks less.

• Missing beneficiaries are named, not blank. An account with no primary beneficiaries now prints Missing Beneficiaries in the primary slot, and an account with primaries but no contingents prints it in the contingent slot, with the tier named in the Type column so it is clear which designation is absent. An account with no beneficiaries at all carries a single Missing Beneficiaries line. A blank cell could mean nothing was designated or the data had not come over; the report now says which, and the gap becomes the conversation the report exists to start.
• A client's name stays with their accounts. A page break can no longer leave a client's name and the column headers stranded at the bottom of one page while every account row starts on the next. It is fine for a name, the headers, and an account or two to appear and then continue; a heading with nothing under it is not, and no longer happens. When a long table does continue onto the next page, the column headers repeat there.
• The report clears its footer. On reports longer than one page, content now reserves room for your firm's footer on every page instead of running into it on later pages.
• Middle initials print correctly. A middle initial recorded in lowercase, such as Mary a Smith, now prints as Mary A Smith. Single letter initials are no longer treated like the word "a".
• One person, one summary row. A beneficiary recorded with a middle initial on one account and without it on another, such as John Smith and John A Smith, no longer splits their total across two summary rows. The fold is deliberate and cautious: names only combine when the rest of the name matches exactly, so two different people are never merged.
• Already saved copies keep their old layout. These changes apply to reports the moment you open or generate them. A snapshot or surge packet saved before this release keeps what it was saved with until you regenerate it.

Zero balance accounts

An account holding nothing no longer pads the reports.

• Accounts at exactly zero leave your Value Add reports. An open account whose balance is exactly zero no longer appears on Buckets, Guardrails, Net Worth, Beneficiary, or Homework. Rows of empty accounts made reports longer without telling the client anything.
• The 1099 Letter keeps them on purpose. The letter reports a tax year, and an account holding nothing today can still owe forms for that year's activity, so it stays.
• The account modal explains it. The Exclusions tab shows the zero balance as the reason an account left each report, and a manual include on that tab wins, exactly as it does for closed accounts.
• A blank balance is no longer stored as zero. When your CRM sends an account without a readable balance, SurgeTK now stores no value instead of writing zero. An unknown balance is not the same thing as an empty account, and accounts with no stored balance stay on your reports. A spreadsheet cell containing only a currency symbol now warns instead of quietly storing zero.

Closed insurance policies

Your CRM's policy status can now reach SurgeTK. Optional. Map the field in Settings, then run a sync.

• Zoho syncs can carry policy status. A new Policy Status row on the insurance card of the Zoho mapping lets you pick the field your firm uses. The sync understands the common vocabulary: In Force, Lapsed, Expired, Surrendered, Terminated, Cancelled, Closed, Paid Up, Pending, and Matured. A value the sync does not recognize leaves the stored status alone rather than guessing.
• Policies whose coverage ended leave the reports. A policy marked Closed, Lapsed, Expired, Surrendered, or Terminated no longer appears on the Beneficiary or Net Worth reports. Paid Up, Pending, and Matured policies remain, because that coverage still exists.
• Existing policies pick up their status on the next full sync. After mapping the field, run a sync so policies already in SurgeTK read their status from Zoho. Until then they keep the status they have.

Accounts without a type

An untyped account is now explained instead of silently dropped.

• A type recorded in a secondary CRM field now counts. A Redtail account whose registration lives only in its tax qualified type field was treated as having no type at all, which silently dropped it from Guardrails, Buckets, Beneficiary, and Net Worth. It now classifies by that field, so a real IRA with an empty account type field lands in the right place on every report.
• A genuinely untyped account says so on the report. An account excluded only because nobody set its type is now named in a note printed on the report itself, above the disclaimer, and flagged on the Guardrails and Buckets pages in the app. Setting the type clears the note. An include on the account's Exclusions tab puts the account back regardless.

Imports

The account import reads money correctly and finishes what it starts.

• Dollar formatting imports correctly. An account value typed as $1,234.56 now imports as one thousand two hundred thirty four dollars and fifty six cents. It used to import as 1.
• One bad row no longer stops the run. An account that fails to import is recorded in the report with its reason and the import moves on to the next row. The report is also saved as the run proceeds instead of only at the end, so an import interrupted partway still leaves a complete record of what landed, with undo covering all of it.

This release includes a brand new Value Add! It also adds a lifecycle to your book. Households you no longer serve can be archived instead of deleted, accounts can be closed and reopened, and your CRM syncs can mark records closed instead of removing them. Alongside that, the Welcome page now carries product update videos, household totals agree everywhere they appear, and spreadsheet imports and CRM syncs can no longer run over each other.

Everything below is live for every firm. Nothing changes on its own: archiving, closing, and the new CRM behaviors are all actions you take or settings you choose. Items that need you to turn something on are marked Optional.

Roth Conversion Letter

A new one page client letter that turns a filed tax return into a conversion conversation. Optional. Turn it on in Settings, Value Adds.

• What it is. A client facing tax strategy letter built from the household's filed tax year. It recaps the client's taxable income, tax bill, marginal rate, and long term capital gains rate, then states in plain dollars how much more taxable income they could take next year before crossing into a new bracket. It follows the Tax Strategy Review letter advisors have mailed for years, with the math and the mail merge done for you.
• The figures come from the Taxes tab. Filing status, adjusted gross income, taxable income, tax after credits, and the recorded Roth conversion all come from the household's stored tax year, so nothing is typed twice. Editing tax data marks the letter stale, and it regenerates with the corrected figures.
• The bracket math backs the conversion out. Next year's headroom is worked out from taxable income with the one off conversion removed, so a client who converted last year is not told they have less room than they really have. The letter reports the room left inside the current bracket, and separately the full width of the bracket above it for firms that want to show the aggressive option. Rates come from the IRS tables for the relevant year.
• Every word is yours. Settings, Value Adds, Roth Conversion Letter holds the title, salutation, opening paragraph, education bullets, the consider callout, closing paragraph, sign off, and disclaimer. Edit any of them once and every household's letter follows.
• Seventeen data points drop into any sentence. Household name, firm name, advisor name, tax year, letter year, filing status, AGI, taxable income, tax bill, both conversion amounts, marginal rate, that rate written in cents, long term capital gains rate, bracket headroom, next bracket rate, and next bracket room. Place any of them anywhere in your wording and they resolve per household.
• A sentence that cannot be true is never printed. A bullet whose figures do not resolve for a household hides itself. A client already in the top bracket never sees the next bracket line. The conversion sub bullet appears only when that household actually recorded a conversion that year. The salutation hides entirely rather than open the letter with a stray comma.
• The conversion suggestions can be switched off. One toggle removes the whole consider callout, which leaves a clean tax recap with no conversion recommendations. On by default.
• You can review any year. The letter opens on the household's most recent stored tax year, which is what surge packets and saved copies always use. A dropdown on the letter page lets you look at an earlier year, with a banner saying which year you are viewing. Those views are ad hoc and never save over the household's copy.
• A household with no tax data says so. Instead of a letter full of blanks, the page renders a clear "Tax data needed" state and flags the value add.
• Edit it from the letter itself. Annotation cards on the letter open the salutation, intro, and closing for firm wide editing, and the tax data card opens that household's Tax Year modal so you can correct a figure without leaving the page.
• It joins surge packets only when you say so. Unlike older value adds, a missing setting is never treated as on. The letter is in a packet only after your firm turns it on.

Archiving Households

• Archiving keeps everything. Accounts, value adds, saved reports, surge packets, tax years, and history all stay reachable. The household simply stops counting: it leaves the household list's default view, the banner statistics, and new surges skip it unless an admin includes it deliberately. Restoring takes one click and puts everything back exactly as it was.
• Archive from the row menu or in bulk. Pick a reason, add an optional note, and choose whether to capture final value add snapshots. Every archive and restore offers an immediate Undo in its toast.
• The household list understands Archived. A new Active, Archived, All view sits above the list. Archived households show a muted row and an Archived chip carrying the reason and date in its tooltip.
• The household page says so plainly. An archived household's page carries a banner naming when and why it was archived, with a Restore button in it. Edit and add actions are visibly disabled with an explanation instead of failing silently.
• Archived households are read only. Every write path is blocked on the server across 61 routes: editing members, adding accounts, changing advisors, generating value adds. The block answers with a clear message telling you to restore the household first.
• Value adds freeze at the moment you archive. Archiving saves a final dated copy of every value add your firm has enabled, including ones nobody had opened for that household yet. Opening a value add on an archived household shows the values captured at archive time, clearly labeled, instead of recomputing numbers that drift as rates and settings change. This is the compliance record of what the client was shown. If one value add fails to render during capture, the archive still completes and says so, for example "Household archived, 6 of 7 value adds captured", and the affected tile reads "Not captured" with the explanation in its tooltip.
• Archived households stay findable. Global search still returns them, marked with a chip, so a compliance lookup never comes up empty. The surge composer gains a Household Status filter so admins can include archived households deliberately, and any that are skipped are reported in the run detail as Skipped rather than disappearing.
• Deleting a household with saved reports warns first. Deleting is permanent and always was. If a household still holds saved value add snapshots or surge packets, the delete now stops, tells you how many records would become unreachable, and offers archiving instead. You can still delete deliberately.
• Exports and reports say what they include. Exports gain a Household Status column and an Exclude archived households toggle that remembers your choice.
• Peripheral surfaces respect it. Surge meetings can no longer be scheduled on an archived household, and bulk advisor assignment skips archived households instead of silently editing them. Undoing an accidental restore keeps the household's original archive date.

Closing and reopening accounts

An account that has closed stays on the household as a record instead of disappearing.

• Close with a reason and an optional backdated date, and reopen at any time. Closing keeps the account's last known value and full history: that record is the compliance answer to "what did this account hold when it closed". A closed account immediately leaves the household's total investable assets, and reopening puts it back. The household total in the header updates the moment you close or reopen, with no page reload.
• The Accounts tab shows the state. Closed accounts appear muted with a Closed, Transferred, or Inactive chip and the close date in the tooltip. The row menu offers Close account, with a required reason and optional date, and Reopen.
• The account modal edits it. The Details tab shows status, close date, and close reason, with a Closed chip in the title bar. You can close, reopen, or correct the date and reason of an account that is already closed. Corrections are audited the same way as the original close.
• Every transition is traceable. Each close and reopen writes exactly one audit row and one account history row, so the change is always attributable to a person and a moment.
• Closed accounts can be hidden without being deleted. Optional. A Hide closed accounts preference keeps closed accounts off the household account list by default. The list says how many are hidden, and one click shows them again, so a closed account is always reachable if you need to reopen it or check its history.
• Closed accounts can be exported. The accounts export gained optional Account Status, Date Closed, Close Reason, and CRM Status columns, so you can pull everything that closed in a quarter with dates and reasons. Existing exports are unchanged unless you add the new columns.

Value adds and closed accounts

A closed account is treated by period, not by blanket.

• Balance sheet reports drop closed accounts outright. Net Worth and investable totals leave them out, because money that left is not on the balance sheet.
• Homework and the 1099 Letter ask a better question. Both report a period, so they ask whether the account was closed before the period began. An account closed during the tax year still counts for that year's distributions, RMD, and 1099, because the client still receives a 1099 for it. An account closed before the year began is out.
• Every figure on the Homework sheet follows the same rule. The RMD table, the Cash Flow tiles, the prior year AGI, and the Net Worth line now agree with each other and with what the account's Exclusions tab says.
• The exclusion report explains the year rule. A closed account excluded from Homework or the 1099 Letter now says why in period terms, for example "Closed before the 2026 tax year began", instead of a bare "Closed account". An account with no recorded close date is excluded and the report says exactly that, rather than guessing a year. A manual include override on the Exclusions tab still beats the closed rule.

Household totals

One rule, so the same household shows the same number everywhere.

• The details header, the households list, and the export now agree. All three previously worked the total out differently: two recomputed it fresh and left out closed and cash accounts, while the stored figure behind the export was a running total that included everything and was updated by eight different parts of the app in eight slightly different ways.
• The rule. Closed accounts and cash equivalent accounts (checking, savings, money market, CDs) are left out, and anything you have set by hand on an account's Exclusions tab wins either way.
• Totals that had drifted are corrected in one pass. Because the stored figure only refreshed when someone touched an account, households nobody had edited kept an old number indefinitely. A one time correction runs with this release. On a book of 1,563 households, 475 had a stored figure that was wrong, most of them showing nothing at all against a real balance.
• Closed accounts no longer count as net worth. A closed account holds nothing, so it no longer counts toward a household's monthly net worth snapshot. Cash accounts still do: a checking balance is net worth even though it is not money under management.
• A household whose accounts are all closed no longer shows a distribution. The details header worked out investable assets one way and monthly distribution another, so a household holding only a closed account could show no assets and a monthly distribution at the same time. Both figures now come from the same accounts.
• One export column renamed. "Total Account Value (all accounts)" is now "Total Account Value", because it is no longer a different number from the one on screen.

CRM syncs

Your decisions outrank the CRM, and a sync can now mark records closed instead of deleting them.

• A sync no longer overwrites an account status you set. When you close or reopen an account by hand, or through a previewed import, that decision outranks Redtail and Zoho. Previously a sync could write its own status straight back over yours. The rest of the account, its value, holdings, and owners, keeps syncing as before. Nothing changes for accounts whose status comes from the CRM.
• The account row tells you when the CRM disagrees. An account whose CRM record disagrees with the status you set carries a "CRM: Closed" or "CRM: Active" chip, and the tooltip shows the CRM's own wording. You find out on the row instead of finding out from a report that dropped the account.
• Sync history reports what a sync left alone. The drawer counts the accounts whose status the sync declined to overwrite, next to the existing count of accounts it declined to delete, and gains a Household lifecycle card showing what each run evaluated, archived, and restored.

Redtail

• The Closed Account Filter can mark instead of delete. Optional. Instead of removing an account the moment Redtail marks it Closed, Transferred, or Inactive, the sync can keep it and mark it closed. A closed account leaves your total investable assets and every value add, but its balance history, transactions, and beneficiaries stay on the household as a permanent record. Firms using the delete behavior today keep it until they choose the new mode in the Sync Filters modal.
• The sync now finds real close dates. Redtail reports that an account is closed but its main account record carries no close date, so closed Redtail accounts had no date on file and date based value add rules had to leave them out. The sync now asks Redtail's account detail endpoint for the close date whenever it sees a closed account without one, so Homework and the 1099 Letter can place the account in the right year.
• Reopening an account in Redtail clears its close date. A sync could add a close date but never remove one, so an account reopened in Redtail kept its old date and stayed out of totals and value adds while the account list showed it as active. A sync that reports the account as Active now clears the date. Only Active clears it: a label the sync cannot recognize, such as your own "Liquidated" or "Under Review", leaves the date alone.
• Contact statuses can drive household lifecycle. Optional. A new section in the Sync Filters modal maps each of your Redtail contact statuses to what it means: still a client, no longer a client, or deceased. On top of the map, you choose what the sync does when every member of a household is deceased or no longer a client: nothing, suggest archiving, or archive automatically. Suggestions appear on the Households page with the reason, and applying one opens the normal archive dialog with the reason filled in. Dismissing a suggestion is remembered. Automatic mode captures final value add snapshots as it archives, never touches a household you archived or restored by hand, and restores a household it archived if the contacts become active again in Redtail.
• Contacts you already imported keep updating even when filtered. Contact filters now gate new imports only. Previously, a contact whose Redtail status changed to one your filter excludes stopped updating entirely, which meant the exact changes worth knowing about, such as a client passing away or leaving the firm, were the ones that never arrived. An already imported contact keeps receiving updates, including the date of death and termination date Redtail carries, which SurgeTK now stores on the client.
• Every contact's accounts refresh on every sync. Account balances and holdings now refresh for every contact on each sync, not only for contacts changed since the last sync. Custodian feeds update accounts without touching the contact record, so the previous incremental pass missed those updates. The contacts stage stays incremental.
• Closing and reopening from Redtail is on the record. The account records that Redtail made the change and when, and the activity log gets one entry per change plus one summary per sync. Steady states write nothing: an account that stays closed sync after sync does not fill your log. Sync history shows how many accounts each run marked closed, reopened, and found close dates for.

Zoho

• A sync no longer clears fields you did not map. Every sync used to blank an account, asset, or liability field that had no Zoho column mapped, so a custodian, 1099 form, or close date typed by hand was wiped on the next run. Unmapped fields are now left alone. A mapped column that is blank in Zoho still clears the SurgeTK value.
• A client you marked Deceased stays Deceased. When no Zoho life status field is mapped, the sync no longer resets a client you marked Deceased back to Living on every run.
• Excluded households can be archived instead of deleted. Optional. The Household Sync Filtering card has a new choice. Instead of removing a household, with all its accounts and history, when its client type matches one of your excluded values, the sync can archive it. Final value add snapshots are captured as it archives. Households you archived or restored by hand always win over the sync.
• A Zoho status field can drive household lifecycle. Optional. A new Household Status Mapping section lets you pick any Zoho picklist field on your households module and map each value to Active or Archived. Values you leave unmapped change nothing.
• Closed accounts can be kept instead of deleted. Optional. Close out Filtering has a new Closed Accounts choice, on both Investable Assets and, for the first time, Bank Accounts. The sync can keep every closed account, marked closed with its close date, rather than skipping and deleting accounts closed before the cutoff year. In this mode the cutoff year controls display: accounts closed before it are hidden on the household account list, with a one click reveal. The mapping modal states in plain words which behavior is currently active.
• The closed account cleanup only deletes what is provably Zoho's. For firms that keep the delete behavior, the cleanup now requires the SurgeTK account to actually be linked to Zoho before deleting it. Previously it matched by account number alone, so a hand entered account that happened to share a number with a closed Zoho account could be deleted. Accounts spared by this check are counted in sync history. The cleanup also removes the deleted accounts' one time transactions, which previously stayed behind pointing at nothing.
• Accounts that vanish from Zoho are flagged on the household. When the stale record check confirms an account is no longer in your feed, its row carries a "No longer in Zoho" chip with the date. If the account was closed in Zoho, the row menu's Close action is one click away, and the chip retires once the account is closed.
• Closing and reopening from Zoho is on the record. The account records that Zoho made the change and when, and the activity log gets one entry per change. Steady states write nothing.

Imports

Imports and syncs take turns, and an import can now set account and household status.

• A spreadsheet import and a CRM sync can no longer run at the same time. Both write the same account and household records, so running them together could silently drop one side's changes. Whichever starts first holds the firm's slot, and the other is turned away with a clear message naming what is currently running.
• Imports can close and reopen accounts. The account import gains three optional columns: Account Status, Date Closed, and Close Reason. A row saying Closed, Transferred, or Inactive closes the account with the date and reason from the file; a row saying Active reopens a closed account and clears its close date. A blank cell always preserves what is stored, an unrecognized value warns and writes nothing, and an account missing from the file is never touched. Nothing is inferred, and a close set by hand or by import outranks CRM syncs.
• Imports can archive and restore households. The contact import gains a Household Status column with a reason and date. An import row that touches an archived household still applies, because backfilling records is legitimate, but the run warns you and counts those rows in the report.
• The import warns before money lands on a closed account. A row that gives a closed account a new value, and a one time transaction import that targets a closed account, warn in the report and in the preview. The value still applies, because backfilling history is legitimate, and the account is never reopened by accident.
• Imports tell you what they closed. The live progress panel says "3 accounts closed", and the count stays visible after a refresh while the undo window is open. Each closed or reopened account gets a proper activity log entry, the same way a manual close does, and the activity log gained Close and Reopen filters.
• Insurance imports understand Policy Status. The insurance import gains a Policy Status column. Recognized values, now including Paid Up, Pending, Matured, and Terminated, are stored; an unrecognized value warns instead of being silently dropped.
• Contact imports accept more spellings of Living and Deceased. A cell such as "deceased", "Yes", "D", or "dead" used to fail the whole row with a validation error. The import now normalizes it. A blank or unrecognized cell leaves the client's existing value unchanged and never fails the row.
• Templates include the new columns. The downloadable account, insurance, and contact templates carry the new status columns, plus a second sheet listing the accepted values.

Welcome page

Product updates now live in the app.

• The Welcome page leads with what is new. Once your firm has finished its setup tasks, the latest update video is featured with its title, date, and a short description, and every earlier update sits in a library below it. Selecting any update plays it in place. Firms still setting up keep the setup tasks at the top, with the updates underneath.
• New updates are flagged until you have seen them. An update published since your last visit carries a New chip, and the Welcome item in the sidebar shows a small dot until you open the page. Updates older than 30 days are never flagged, so a new user does not see a wall of New chips.
• Setup tutorials stay one click away. For firms that have completed setup, the task list and the intro video move behind a Tutorials button in the page header. Replayable workflows and tours work exactly as before.

Surge packets

A packet run survives a dropped connection, and a broken page never reaches the client.

• Progress survives a closed laptop. Surge and sync progress are now saved as the run proceeds and replayed when your browser reconnects, so a network gap or a sleeping laptop no longer leaves the progress overlay stuck or skips the download at the end.
• A broken value add page no longer ships as a PDF. If a value add fails to render during a surge, it is now recorded as failed and the run continues. Previously the error page itself was converted to PDF and packed into the client's packet.
• Surge warns when every account is closed. A household whose accounts are all closed carries an "All accounts closed" warning in the composer, so an empty looking packet is explained before it is sent. Warnings no longer count closed accounts, so a missing withdrawals warning cannot be masked by a closed account's leftovers.

Households and billing

• Households show an effective rate beside Annual Billing. The household details page now shows what your annual billing works out to as a percentage of the household's billable assets, with the calculation explained in the tooltip and written out as a receipt row in the billing breakdown modal. Billable assets are the accounts that count toward AUM, less employer sponsored plan types (401(k), 403(b), 457(b), Pension, Profit Sharing, Keogh, TSP, Deferred Comp), because those are typically not billed. The dollar figure beside it is unchanged and still matches recorded billing exactly. The rate does not render when billing is not recorded or billable assets are zero.

Value add settings

• The Guardrails and Buckets distribution rate cells can be shown again. Optional. Settings, Value Adds gains a checkbox for each of the two reports that restores the Upper and Lower Guardrail distribution rate cells, which have been blank since they were removed. When turned on, both cells show your firm's available rate to one decimal, and the cells regain their borders. A small preview in the settings panel shows exactly what each state looks like. Off by default, so nothing changes unless you turn it on. The manual value add creator honors the same setting.

Smaller corrections

• Select all across pages follows your current filters. On the Households page, ticking "Select all N households" and then deleting or assigning advisors used to act on every household in the firm. It now acts only on the households matching the search text and advisor filter you are looking at, which is what the count in the toolbar already promised.
• The household import walkthrough covers the whole wizard. The guided tour never learned about the Choose Your Client Import Type screen, so it ran one screen ahead, and picking Household Taxes mid tour left you stranded. Both paths are now covered, and the final step says Import instead of Done, matching the button.
• Dialog and toast polish. Confirmation dialogs drop the decorative icon, single line notifications no longer render with an empty body, and a delete dialog dismissed quickly can no longer leave the page locked behind an invisible backdrop.

This release corrects RMD and withdrawal figures on the Homework sheet, adds a review step and safer month scoping to transaction imports, merges import and sync history into one view, and restores PDF generation.

No action is required. All items below are live for every firm.

Homework sheet

Corrected RMD figures and account coverage.

• RMD figures use the current IRS Uniform Lifetime Table. Factors are selected by the age reached during the distribution year, matching IRS methodology. Previously displayed RMDs were overstated by roughly 7 percent at common ages. Figures correct themselves the next time the value add is generated.
• QCD accounts appear in the withdrawal tables. Accounts with "QCD" in the name or type were previously classified as cash and excluded from the Homework grids. They and their withdrawals now show. Plural "CDs" still classifies as cash.

Transaction imports

Monthly files replace only their own months, and nothing is written before you approve it.

• Replacement is scoped to the months in your file. For each account and transaction type, only the calendar months present in the file are replaced. Monthly backfills work one file at a time in any order, and re importing a corrected file cleanly replaces that month.
• A review step runs before anything is written. After mapping columns, a Review and confirm step shows a dry run: transactions to be added, existing transactions to be replaced, a month by month breakdown, rows protected because they came from your CRM, and any rows needing attention. Nothing is written until you confirm.
• Replaced transactions are reported. The progress panel gains a Replaced section, and the downloadable report lists every replaced transaction.
• Transactions synced from your CRM are protected. A file import never deletes a transaction that came from a CRM sync. Matching rows are skipped and reported.
• Dates are correct in every time zone. The day in your file is the day shown in the transactions table, the edit form, and every value add. The add transaction form defaults to your local date.
• Value adds refresh after transaction changes. Imports, undos, and manual add, edit, or delete all mark value adds stale.
• Picker tiles advance on selection. Choosing a data type, account type, or client sub type moves to the next step directly.

Import and sync history

One history for everything that changed your data.

• File imports and CRM syncs share one history. The Imports page lists both together, sorted by date. Search covers file name, import type, and sync provider.
• Sync rows summarize themselves. Each row shows provider, Deep or Incremental, status, and a created, updated, and removed rollup.
• "What changed" opens the full detail. A drawer shows change counts, a per entity table of what was created, updated, removed, and skipped, and a data hygiene section covering stale rows removed, households refreshed, systematic entries cleared, and value adds flagged. Skipped rows state their reason and list the parent records you can fix. Truncated feeds and failures are called out at the top.

CRM sync reliability

Syncs are more resilient and withdrawal totals are more accurate.

• Deleted CRM records no longer count toward withdrawal totals. Records removed in your CRM are now cleared from SurgeTK, so displayed withdrawals reflect current data. Manually entered transactions are never touched, and affected households regenerate with corrected figures.
• Identical systematic withdrawals stay separate. Two systematic entries of the same amount no longer collapse into one.
• Syncs run on a dedicated background worker. A deploy or restart no longer interrupts a sync in progress. Progress still streams to the page.
• Support for high record volumes. Verified well beyond our largest firm's data set.

Zoho

New Distribution History sync for firms using Zoho.

• A new "Distribution History" card on the Investable Assets tab of the field mapping modal imports monthly distribution records, populating both the Homework withdrawal and deposit tables. Withdrawals display gross, before withholding, with taxes taken from each record. The 12 month window ends on the last completed month. Turning the section on removes overlapping one time transactions so nothing double counts, and unmapping it reverses cleanly. Nothing changes for firms that do not map the section.

Documents and packets

• Surge packet and value add PDF generation is restored. Downloads affected between August 12 and this release now generate correctly. The rendering environment is pinned so the issue cannot recur.

This release covers tax data flowing into the Homework sheet, a new Zoho Taxes sync, clearer sync results and controls for both Redtail and Zoho, a per-security holdings view, and accuracy improvements to AUM totals and imports.

No action is required. All items below are live for every firm.

Homework Sheet

Tax figures come from the Taxes tab, and the sheet is edited in place.

• Tax figures read from the Taxes tab. AGI, taxable income, and total taxes come from the household's most recent recorded tax year, and the year label shows the actual year. The marginal bracket is derived from taxable income and filing status. Figures previously entered on the sheet keep showing for households with no recorded tax year, so nothing goes blank.
• Tax edits open the tax year form. Clicking a tax figure opens the same Add or Edit Tax Year form the Taxes tab uses, so both places always agree.
• Everything else is edited directly on the sheet. Meeting type, date, and a new location field, agenda items, action items, the homework column, meeting notes, client questions, and cash flow figures are all edited in place. The Edit Fields modal is retired, and everything it covered is still editable.
• Header fields explain themselves. Every header figure carries an annotation card stating where it comes from, including blank fields, which explain where they fill in from. The Primary Residence card lists the matched home and its loans and opens each record. The Income card lists the household members whose income contributes.
• Client details open the client form. Job, employer, and retirement date cells open the Edit Client modal directly.
• The household summary shows the derived bracket. The Marginal Tax Bracket box on household details derives from the same tax data and opens the Taxes tab. A manually entered bracket remains the fallback.
• Blank figures render cleanly. An unrecorded mortgage payment no longer prints $0, and a missing interest rate no longer leaves a stray "@".

Zoho Sync

Tax years sync from Zoho, and sync results state exactly what happened.

• Taxes now sync. Map the new Taxes section in the field mapping modal and tax years flow from Zoho into each household's Taxes tab — the same tax data that powers the Homework sheet. Blank Zoho fields never overwrite figures already on file.
• Renamed records stay matched. Renaming an account, asset, liability, or insurance record in Zoho updates the matching SurgeTK record in place rather than creating a second one.
• Records removed from Zoho are flagged, never auto-deleted. A record that leaves Zoho is marked "No longer in Zoho" with the date on the unlinked lists, and removal stays in your hands. Flagging is deliberate: a record must be absent across full syncs at least a day apart before it is marked.
• A running sync can be cancelled. Cancel stops the sync at the next safe point, and a cancelled run is labeled as cancelled rather than completed.
• Deep sync on demand. An Advanced option on the sync confirmation runs a full sweep of every record rather than only recent changes.
• Mapping dropdowns are searchable. Type in any dropdown in the field mapping modal to filter by field name, matching anywhere in the name.
• Mapping guidance is easier to find. Info tooltips throughout the mapping modal appear on hover and keyboard focus, and the External Household ID tooltip explains how records link to households.
• Configuration problems are reported plainly. A sync that cannot run because of a mapping issue reports the specific problem instead of finishing with nothing to show.

Redtail Sync

Results you can act on.

• Completion messages show real counts. A finished sync reports how many records were added or updated, and a run with no changes says "no changes found".
• Completed, cancelled, and failed runs are distinguished. Each outcome shows its own message, so a run that did not finish cleanly is never presented as a normal completion.
• Credential problems are called out. If Redtail sign-in stops working, the sync says so, the integration card shows an "Action needed" notice, and a Reconnect Redtail button appears in place of Retry.
• Admins are notified. Firm admins receive an in-app notification when a sync needs attention, cleared automatically once a healthy sync completes.
• No window is skipped. If a run has a problem partway through, the next sync picks up from the last fully clean run, so changes made in between are never missed.
• Timestamps read "Last successful sync". Hover labels on the sync buttons reflect the most recent clean run.
• Reconnecting keeps your settings. Reconnecting Redtail preserves your contact and account filter settings.

Securities

See who holds a security, position by position.

• Click any security for its account exposure. The Securities page in Settings opens a full detail view listing every position holding that security: owner, household, custodian, account type, units, value, and the custodian's price date, with summary tiles at the top.
• Search, filter, and export. Positions can be searched and filtered by status, and the filtered set exports to CSV.
• Out-of-date valuations stand out. A position whose price date lags the rest of that security's feed is flagged as stale, so one account left behind by a custodian feed is easy to spot.
• The page appears where it applies. The Securities page shows for firms with a Redtail connection.

Accounts and Totals

AUM reflects open accounts.

• Closed accounts no longer count toward AUM. Accounts with a close date are excluded from the household banner, the household header, member cards, and Buckets and Guardrails generation, so totals reflect the accounts actually under management.
• Exports say what they include. The CSV export columns that sum every account, open or closed, are labeled "(all accounts)".
• Select all means every page. On the unlinked record lists, "Select all" applies bulk actions to every matching record across all pages, and confirmation dialogs state the full count.

Imports

Allocation columns import at face value.

• All mapped allocation columns are applied. Cash, income, annuities, and growth mappings carry through every mapped column, and additional columns can be added on both the account step and the buckets step.
• Excel percentages import as displayed. A cell formatted as 25% imports as 25, matching what the spreadsheet shows on screen.

Also in This Release

• Letters open with the household's name. The 1099 letter begins with a salutation built from the household's name, and householdName is available as a data point in any 1099 text block.
• Value add tiles wrap. Firms with many value adds see tiles wrap to a new row instead of compressing onto one line.
• Interrupted syncs recover on their own. If a sync is interrupted mid-run, its status resets automatically within a couple of minutes and the page updates in place.

This release covers billing accuracy and imports, Redtail sync coverage, a new holdings layer that drives Buckets allocation, and name handling across beneficiary reports.

No action is required. All items below are live for every firm.
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Billing

Annual Billing totals now reflect imported account billing. Household billing rolls up account level billing alongside household fees.

• Prior year billing stays visible: when the current calendar year has no billing recorded, the most recent year with data is shown instead, labeled with the year it came from
• Breakdown opens from the billing box: click anywhere on the Annual Billing box to see the breakdown. The box is keyboard accessible
• Breakdown reads as a receipt: period and total appear at the top, followed by account billing, household fees, and total. Estimated figures carry an "Includes projection" badge, and coverage is explained in one sentence
• Household fees moved into Edit Household: the Edit Household modal now has Details and Billing tabs, with fee entry on the Billing tab. The standalone Household Fees modal is retired

Billing imports

Custodian files match your accounts more reliably.

• Account numbers match regardless of formatting: dashes, spaces, and letter case are ignored, so a custodian file listing 38064644 matches an account stored as 3806-4644. Accounts that could match more than one record are reported rather than guessed
• Negative amounts are accepted: fee adjustments and refunds import as written
• Re-running a file is safe: rows for the same account and period sum within a file, and re-importing replaces the stored value for that period rather than adding to it
• Import results state what happened: the completion toast reports imported and failed counts with the most common reason, and each failure explains how to correct it
• A billing import guide is included: it covers matching rules, negative adjustments, multi row summing, one period per file, and where imported billing appears afterward
• Upload step is easier to read: Billing Type, Billing Cycle, and Period sit in a single row in a centered column, with the drop zone aligned to it
• Period labels are shown in UTC: a calendar year 2025 file reads as 2025 rather than shifting a day by timezone

Redtail sync

Broader coverage and faster incremental syncs.

• Addresses now sync: contact addresses come across with the rest of the contact record
• Incremental syncs only pull what changed: syncs after the first one complete substantially faster
• A single problem record no longer stops a sync: each contact is handled independently, so the rest of the page continues
• Systematic withdrawals are protected: existing withdrawal data is never replaced with an empty result, and inferred withdrawals that exceed the account value are discarded
• Custodian names fill in more often: when the primary field is empty, the feed aggregator is used
• Account pages are fully paginated: households with many accounts sync completely

Holdings and allocation

Position level data from Redtail, and Buckets allocation calculated from it.

• Holdings sync with each account: positions are refreshed on every sync, with the as of date reflecting the actual feed price date
• Allocation is calculated from positions: when every holding in an account is classified, the cash, income, annuities, and growth split is derived from the positions themselves. Manually entered splits always take precedence
• Positions appear in the Allocation tab: each account modal shows the holdings under the split they produced, with the relationship stated on screen
• Systematic Withdrawals has its own tab: withdrawals moved out of Transactions into a dedicated third tab
• Securities page for administrators: Settings has a Securities page listing every held security by value, with a bucket dropdown, source labels, search, and reset to automatic. Changes re-roll the affected accounts

Beneficiary reports

One person appears as one row.

• Names match without regard to capitalization: a beneficiary entered as "JOHN SMITH" by a sync and "John Smith" in the account modal is treated as the same person and receives a single line with a single share
• Existing reports correct themselves: reports saved before this release apply the new matching the next time they are viewed. Nothing needs to be regenerated
• Duplicate beneficiary records are no longer created: account entry, Redtail sync, and Zoho sync all match existing beneficiaries consistently

Name display

Names in all caps or all lowercase are standardized.

• Organizations are title cased: entities read "Kitsap Humane Society", "Smith Family Trust", and "Estate of William Thompson"
• Acronyms are preserved: ASPCA stays ASPCA
• Deliberate capitalization is left alone: a name already written with mixed case, such as "Marguerite O'Brien", "Jan van der Berg", or "ABC Charity, Inc.", is treated as intentional and is not rewritten
• Organization word order is preserved: "ABC Charity, Inc." is not reordered

Sync status and value adds

• The sync button stays visible while a sync runs, reading "Syncing" for the duration
• Last sync time on hover: hovering the Redtail or Zoho button shows when the last sync completed, updated in place when a sync finishes
• Value add annotations are on by default. If you have previously turned annotations off, your setting is kept
• Breakdown accounts are grouped by owner: Buckets and Guardrails breakdowns group accounts under the household member who owns them, individuals first, then joint, then unowned. Single owner households keep the flat list
• Value add reports refresh when underlying data changes: cached report data is rebuilt when accounts, holdings, or security classifications change

Also in this release

• Integrations moved to the Imports page: the entry point is now a button in the Imports page header rather than a sidebar item
• Client member cards show the edit control on hover: the edit pencil appears on hover or keyboard focus

This release includes a new sign-in system, a new prospecting value add in beta, a Homework calculation fix, on-demand report refresh, and UI and infrastructure updates.
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SSO with Google and Microsoft, plus email magic link sign-in

A faster, simpler way to sign in.

• Google and Microsoft SSO. Sign in with your existing Google Workspace or Microsoft 365 account.
• Email magic link. Receive a secure sign-in link by email, with a one-time code for signing in on another device.
• Unified sign-in page. Sign-in and sign-up are handled on one page.
• Password setup. Accounts created via SSO or magic link can add a password later from account settings.

Existing password sign-in is unchanged, and two-factor authentication still applies to password-based sign-ins. Live for all users, no configuration required.
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One Page Plan value add (beta)

A single-page plan summary built for prospecting meetings: a household's checklist items, action steps, and planning priorities on one branded page.

• Inline editing. All sections are editable directly on the page. This is the first SurgeTK report with full inline editing.
• Firm-level template. Define a default once. Every household inherits it and can be customized individually.
• New location. Appears in a new Prospecting Tools section, separate from client-facing Value Adds.

Beta, enabled per firm. Contact your SurgeTK representative for access.
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Homework: withdrawal fix and option to hide historical data

• Corrected withdrawal figures. Withdrawals are now built exclusively from recorded one-time transactions, so reports match recorded account activity. Existing reports pick up corrected figures on next refresh.
• Hide page 2. New firm setting to hide Homework page 2 (historical account data) across all reports, including printed and emailed packets.

Refresh button on all value add pages

Buckets, Guardrails, Beneficiary, Net Worth, Homework, and 1099 now have a Refresh action that recalculates the report on demand with current data. Regenerate immediately after updating balances, transactions, or household details.
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UI improvements and infrastructure

• Buttons now keep their label visible during loading, with a spinner shown next to it.
• Corrected dialog icons, collapsible Prospecting Tools section, and layout fixes on value add pages.
• Upgraded core dependencies and monitoring, improved request handling on high-traffic endpoints, and added automated end-to-end test coverage.

A faster way to work with accounts, richer Value Add pages, and a more polished experience everywhere

This release is one of our biggest yet, focused on making everyday workflows faster and giving you more context and control over your household data.

All-new account details experience

We've completely redesigned how you view and edit accounts. Click any account row to open a new unified panel with everything in one place:

• Seven organized tabs: details, billing, one-time transactions, beneficiaries, history, and more, all in a single view
• View and edit in one place: see account information at a glance, then switch to editing without losing your spot
• A cleaner history: account changes now display as an easy-to-read timeline, so you can see what changed and when
• Assets, liabilities, and insurance too: those records now share the same streamlined panel design, so everything works the same way across the platform

Annotate your Value Adds

You can now click directly on items in your Value Add reports to add notes and context:

• Annotate individual accounts, assets, liabilities, and insurance policies right on the page
• Edit report-level details inline, including titles, household display names, disclaimers, and rates
• See exactly how RMD figures are calculated with a new calculation breakdown
• Switch between Value Adds with a redesigned, faster switcher

Account exclusions

A new Exclusions tab lets you control which accounts are included in Value Add calculations, so your reports reflect exactly the picture you want to present to clients.

Know where your data came from

Accounts, assets, liabilities, and insurance records now show a source indicator, so you can see at a glance whether a record came from a CRM sync, a file import, or was entered manually.

Household page improvements

• Advisor assignments now live in their own dedicated, easy-to-use dialog
• Client member cards have a clearer edit option
• A refreshed client info dialog with live photo preview and support for photo links
• Manage unlinked clients more easily, including the ability to remove them in bulk

Polish throughout

• Smoother, more consistent menus and dropdowns across the entire platform
• A redesigned advisor filter that's cleaner and easier to scan
• More compact buttons and toolbars so more of your data fits on screen
• Fixed an issue where the account history tab displayed allocation percentages as dollar amounts

The Import History table now shows all imports made by anyone on your team, not just your own. Each row displays who ran the import so your team has full visibility into data changes. Import reports and original file downloads remain restricted to the person who ran the import and firm admins — broad visibility without unexpected access to sensitive artifacts.

We’ve released a refreshed SurgeTK app experience with cleaner, more consistent screens across key workflows.
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You’ll notice smoother loading states, more consistent buttons and forms, improved spacing, cleaner tables and modals, and better responsiveness across areas like Households, Imports, Reports, Billing, Settings, Integrations, Onboarding, Surge, and Value Add workflows.

We also improved how Value Add reports reflect active household and account information after updates, helping reports stay clearer and easier to review.

This release focuses on speed, polish, and behind-the-scenes reliability work.
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Highlights

Surge generation is significantly faster. We parallelized how value-add reports render inside a surge run, delivering up to a 4x improvement in throughput on larger batches. Surge previews also load more reliably across environments.
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Improvements

The Settings page now loads faster — we removed redundant lookups that were running on every page open.
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We refined the slider input behavior in settings so changes are tracked correctly when typing values directly into the field.
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Fixes

Resolved a small inconsistency in the surge preview loader.
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Under the hood

We reduced the number of background connections SurgeTK opens to its job queue, which improves stability under load and lowers the chance of throttling during peak surge runs.

Added a lightweight uptime endpoint so our monitoring can detect and alert on availability issues faster.
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Platform and security updates

Routine upgrades to core libraries that power our API, database driver, PDF generation, real-time updates, and background jobs. These include several security patches and keep SurgeTK on currently supported versions.