SurgeTK Release Notes - September 24, 2026

This release is about the RMD table on the Homework sheet. It follows IRS Publication 590-B for every account it should cover, including inherited accounts. It shows the arithmetic behind each figure, and your firm can change the inputs. Value Add pages also fit cleaner on an iPad and a phone.

Most of what follows is live for every firm and happens on its own. The new RMD settings start at the IRS defaults, so they change nothing until an Admin saves a change. Two items ask for a step from you. An inherited account needs a date of death for an exact figure. Saved snapshots and Surge packets keep their old figures until you build them again. Both are marked below.
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RMD table on the Homework sheet

The table now includes every account the IRS rules cover. Expect more rows, most of all if you sync from Redtail.

• Accounts already in the table keep their amount. An IRA or 401(k) that was in the table before, and is not a Roth and not inherited, shows the same figure as before.
• More retirement plans are included. 401(a), 403(b), 457(b), TSP, and profit sharing and Keogh accounts now get a row. The table used to leave them out.
• IRAs synced from Redtail are recognized. Redtail keeps two type fields for each account: the tax-qualified type, such as Traditional IRA, and the account type, which is often a product name, such as Fee-Based Account or Brokerage Account. The RMD table read the product name first, so many IRAs synced from Redtail never got a row. It now reads both fields.
• An owner who turns 73 this year is included now. The IRS counts the age an owner reaches during the year, so the first RMD is for the year the owner turns 73. The account used to appear only after the birthday.
• Accounts owned by anyone in the household are included. The table used to check only the two clients in the sheet header.
• Some rows leave the table. A Roth IRA that is not inherited no longer shows an RMD, even when your CRM labels it only as IRA. A row whose RMD rounds to $0 is hidden. A Coverdell Education IRA is no longer treated as an IRA.
• Sheets pick up the change on their own. A Homework sheet recalculates the next time someone with edit access opens it, or when you click Refresh. New Surge packets use the new figures.
• Snapshots and generated packets keep their figures. A snapshot you saved, a Surge packet already generated, and an archived household keep the figures they were built with. To use the corrected figures, save a new snapshot or generate the packet again.

Inherited accounts

Inherited accounts use the IRS Single Life table, and the account window has a place for the details that make the figure exact.

• The Single Life table replaces the owner's table. An inherited account used the Uniform Lifetime Table, the one for account owners. That understated the amount, and a beneficiary younger than 72 got no row at all. An inherited account now appears whatever the beneficiary's age.
• The factor follows the IRS method. A surviving spouse uses the factor for their own age each year. Any other beneficiary uses the factor for their age in the year after the death, less one for each year since. When the owner died in 2020 or later and the 10-year rule applies, the last year shows the full balance, and the row's card shows the year the account must be empty. An inherited Roth under the 10-year rule shows no annual amount.
• Record the date of death for an exact figure. Without a date of death, the amount is an estimate from the beneficiary's current age, and the row's card says so. The account window had no place for these details before, so every inherited account starts as an estimate.
• The account window has a new Inherited Account section. Open the account and go to the Details tab. Check "This account was inherited", then set Relationship to Deceased and Date of Death. Deceased Name is optional. The section appears when the account type is a retirement type, such as IRA or Inherited IRA. A new account typed Inherited IRA checks the box for you.

RMD settings for your firm

Admins can now change how the RMD table is calculated for every household in the firm. Every setting starts at the IRS default.

• Find it in Settings, Value Adds, Homework. Click Show Settings on the Homework card, then go to RMD Calculation. Only Admins can change these settings. Everyone else sees them read-only.
• You do not have to change anything. A firm that keeps the defaults gets the corrected calculation described above. A worked example, such as $500,000 ÷ 24.6 = $20,325, updates as you change the controls, before you save.
• Beginning age. Any whole age from 72 to 80. The default is 73. The IRS beginning age is 73 today and rises to 75 in 2033. You can set 75 sooner.
• Base value. The default uses the December 31 value and falls back to the current balance. Choose "Use the December 31 value only" to require a December 31 value. With that choice, an account with no December 31 value shows no amount.
• Account types. IRA, 401(k), 401(a), 403(b), 457(b), TSP, and Profit sharing / Keogh. All seven are on by default. Turn one off to leave that type out of the table.
• Inherited accounts and empty rows. "Always include inherited accounts" is on by default. "Show rows with no RMD amount" is off by default. Turn it on to find accounts that are missing a December 31 value.
• A custom table for account owners. The default is the IRS Uniform Lifetime Table. You can enter your own factors instead. Inherited accounts always use the IRS Single Life table.
• Saving applies to the whole firm. Saving recalculates the RMD table on every Homework sheet in your firm. Snapshots and generated Surge packets keep their figures. "Reset RMD settings to platform defaults" puts every setting back.

RMD explanations on the sheet

The Homework sheet now shows how each RMD figure was reached. Nothing new prints.

• Click the RMD heading. Its card, How this RMD is calculated, names the table, the beginning age, the base value rule and the account types your firm uses, with a worked example. An Admin can change the beginning age, the base value and the empty-row setting from this card. Saving there recalculates every Homework sheet in your firm.
• Click any row. Its card shows the base value, the factor and the result. For an inherited account it also shows the relationship, the year of death and any 10-year deadline.
• A row with no amount says why. Its card names the reason, such as a missing date of birth or a missing December 31 value. These rows show only when "Show rows with no RMD amount" is on.
• The cards belong to Annotations. They are on by default. Use the Annotations button on the Value Add page to turn them off or on. They never print.
• The figure is a planning aid, not a tax determination. It does not model the still-working exception for employer plans or the Joint Life table for a spouse more than ten years younger.

Value Adds on iPad and phone

Every Value Add page now fits the screen on an iPad, a phone or a narrow browser window.

• The report fits the screen. On a narrow screen, every Value Add page scrolled sideways and the report was cut off on the right. The report now scales down to fit and stays centered. It goes back to full size when the window gets wider or an iPad turns to landscape.
• The page buttons are within reach. On a narrow screen, Refresh, Save, Print, Download, Annotations and the snapshot list could not be reached. A new button next to the Value Add switcher opens them in a side panel. The panel is named for the Value Add you are on, such as Homework Actions.
• The Value Add switcher stays on screen. Its menu hung past the right edge of a narrow screen. It now opens inside the window.
• Desktop, printing and PDFs are unchanged. Print and Download still produce the full-size report.

Smaller fixes

• Calendly sync keeps the meeting status you set. A sync set every synced meeting back to Scheduled, including meetings you had marked Completed or Canceled. A meeting that is still booked in Calendly now keeps your status through every sync.
• Export History shows the right result. When an export failed while another export was running, the Reports page could mark the wrong one as failed. Each export now records its own result.
• Settings checkboxes keep their shape on a phone. On a phone screen, checkboxes and radio buttons on the Settings page stretched into wide ovals. They are normal size again.