It is an internal worksheet for the advisor. It is not a client-facing report.

It prints no disclaimer and no firm footer. Settings has a Homework Disclaimer field, but the sheet does not print it.

In Settings and on the household page it is called Homework. The title printed on the sheet comes from Homework Title and defaults to "Homework Sheet".

When it is turned on, the sheet is included in Surge packets like the other Value Adds.

Title. The Homework Title from Settings.

Logo. Your firm logo from Settings › Firm Info.

"*Reported as of {date}". The most recent as-of date found across all accounts in the household. If no account carries a date, today's date. The format is M/D/YYYY, for example "9/24/2026". It cannot be edited.

Client name line. "Last, First" with the age as a small superscript. Two clients with the same last name print as "Last, First & First". Different last names print as "Last, First & Last, First". Three or more clients print as "Last, First +2 more". A client with no date of birth shows "--" in place of the age. Deceased clients are left out when at least one living client exists.

The meeting type defaults to "Meeting".

When no date and time are set, the line prints "No meeting time yet defined".

The location is left out when it is blank.

The time zone is never printed. See "Meeting date and time" below.

Meeting Notes: a free-text box ("Add meeting notes…").

"{Firm name} Action Items": a Department / Task table with five rows ("Dept…" and "Add task…").

"{First & First} Homework": a free-text box for the clients' tasks ("Add homework…"). The heading uses the clients' first names joined with "&". With no first names on file it says "Clients Homework".

The meeting type, the meeting date and time (a date and time picker), and the location ("Add location…").

The six Agenda cells.

The five Action Items rows, both Department and Task.

Homework, Meeting Notes, and Client Questions (page 2).

Income, only while Income is manual. Spending.

Meeting details: the fields Meeting type, Meeting date & time, and Location, with a Save meeting button.

Outside investments: + Add row and Save rows. Auto rows are read-only here. To remove an auto row, change the account on its Exclusions tab.

The tax cells (AGI, Taxable Income, Total Taxes, Tax Bracket): Edit tax year or Add tax year. Both open the Tax Year modal, the same one the Taxes tab uses. You need permission to edit households.

The client columns: Edit client.

Income (from client records): click a client to edit their Monthly Income. Income (manual): edit the figure in the card or on the sheet.

Monthly spending (manual): edit the figure in the card or on the sheet.

Primary residence: lists the matched asset and loans so you can open and edit them.

How this RMD is calculated: see the RMD section below.

SurgeTK stores every Homework meeting time with a default time zone of America/Los_Angeles (Pacific Time). This default is the same for every firm. You cannot pick a different zone, and the zone is not printed on the sheet.

Known issue. When you type a meeting time on the sheet or in the Meeting details card, the printed time can differ from the time you typed. An early-morning time can even print on the previous day. This is being fixed. Until then, check the meeting line on the sheet before you print or download it. If it is wrong, adjust the typed time until the sheet shows the time you want.

When a Surge packet is built, SurgeTK writes the meeting type, the date and time, and the time zone from the scheduled Surge meeting. Those times print correctly.

The four tax figures come from the household's Taxes tab. The sheet uses the latest tax year on file, and the row label shows that year. With no tax year on file, the label shows last calendar year and the cells show "- -".

AGI = Adjusted Gross Income. Taxable Income = Taxable Income. Total Taxes = Income Tax After Credits. Tax Bracket = the ordinary-income bracket SurgeTK derives from that year's Filing Status and Taxable Income, using the federal bracket table for that year. Tax Bracket needs both figures and a bracket table for that year. Otherwise it shows "- -".

"- -" means the figure was not entered. "$0" means it was entered as zero. The Tax Year modal says: "Leave a figure blank if it is not available — blank and $0 are stored differently."

To change a figure, use the Taxes tab (Add Tax Year, or open a year) or the tax cell cards on the sheet. After you save, click Refresh on the Homework page to rebuild the sheet.

One row for every account except cash accounts. Cash means a type or name that contains checking, savings, money market, CD, or cash. A row appears even when every month is $0.

The source is the one-time withdrawal transactions recorded on the account (the account's Transactions tab). Systematic withdrawals are not in this grid. They feed the Distributions figure on page 1.

Cells show the net amount: the withdrawal minus withholding. Each account has a Taxes row with the withholding. There is a Total column and a Total row.

Withholding for a month comes from, in this order: estimated tax payment transactions recorded for that month; otherwise the federal and state dollar amounts recorded on the withdrawal; otherwise the account's Federal Tax Withholding (%) and State Tax Withholding (%).

If your firm syncs a Zoho distribution history module into SurgeTK, the grid ends with the last completed month instead of the current month, cells show the gross amount, and the Taxes row is the withholding recorded on each ledger row.

The account type is one of the checked types. IRA includes SEP, SIMPLE, rollover, inherited or beneficiary IRA, and QCD IRA. 403(b) includes TSA. 457(b) qualifies, 457(f) does not. Profit sharing includes Keogh and money purchase plans. Coverdell and Education IRAs never qualify. SurgeTK reads every type field on the account, including the raw type from your CRM.

A pension, or an account whose type names no plan (for example "Retirement Plan" or "Variable Annuity"), is not recognized. Set a precise account type to bring it in.

Roth accounts are excluded unless they are inherited.

An owner's age counts as the age reached in the calendar year (this year minus the birth year). An owner who turns the beginning age later this year already qualifies. Any owner at or above the beginning age qualifies the account. The factor uses the oldest owner. An account whose owner has no date of birth is excluded unless the account is inherited.

Accounts owned by any member of the household count, not only the two clients shown in the header.

An account closed during the current year is still listed. An account closed before this year is not.

An account counts as inherited when its type text says inherited, beneficiary, decedent, stretch, or BDA, or when the Inherited Account section on the account (Details tab, checkbox "This account was inherited") has a deceased name, a date of death, or a relationship filled in.

It appears whatever the beneficiary's age, and it is divided by the IRS Single Life table.

Spouse: the spouse's own age each year.

Anyone else: the beneficiary's age in the year after the death, less one for every year since.

Death in 2020 or later, and the beneficiary is not a spouse, a minor child, a disabled child, or a chronically ill individual: the 10-year rule applies. Annual amounts are shown until the final year. The final year shows the full balance. An inherited Roth under the 10-year rule shows no annual amount.

No date of death on file: SurgeTK estimates from the beneficiary's current age.

For an exact figure, record the relationship and the date of death in the Inherited Account section.

The still-working exception for an employer plan.

The Joint Life and Last Survivor table for a spouse more than ten years younger. Every owner uses the Uniform Lifetime table (or your custom table).

The rise of the beginning age to 75 for people born in 1960 or later. The beginning age is one number for everyone. A firm can set it to 75 sooner.

Ages above 120. Such an age usually comes from a placeholder date of birth, so no factor is used and no amount is shown.

SurgeTK keeps one Homework settings record per household. It holds the meeting type, date and time, and location, the agenda, meeting notes, action items, homework, client questions, the manual Income and Spending figures, and the manual outside investment rows.

What you enter stays on the sheet until you change it. Refresh rebuilds the figures but keeps your text.

To freeze a copy of the sheet for one meeting, click Save. The snapshot keeps its figures and text after the live sheet changes.

When a Surge packet is built, SurgeTK overwrites the meeting type, the date and time, and the time zone with the scheduled Surge meeting. Meeting types are written as labels such as "Review Meeting", "Intro Meeting", "Check-In Meeting", "In-Person Meeting", or "VIRTUAL | ZOOM".

An open account that holds exactly $0 is left out of the sheet.

A closed account is left out of Net Worth, Invest Assets, Checking, and Savings. It stays in Distributions and in the RMD table when it was closed during the current year. It stays in the Withdrawals and Deposits tables when it was closed on or after the first month of the grid. A closed account with no close date is left out everywhere.

A manual Include or Exclude choice for Homework on the account's Exclusions tab wins over these rules.

More account types qualify than IRA and 401(k): 401(a), 403(b), 457(b), TSP, and profit sharing or Keogh accounts.

Age is counted by calendar year. An owner who turns the beginning age any time this year appears now.

Accounts owned by any member of the household appear.

Inherited accounts appear whatever the beneficiary's age.

Its RMD rounds to $0, so the row is hidden. Turn on Show rows with no RMD amount to see it. A $0 often means the account has no 12/31 Value and a current balance of $0, or your firm uses "Use the December 31 value only" and the account has no 12/31 Value.

The owner has no date of birth on the client record.

The account is a Roth that is not inherited.

Its type is not one of the checked account types, or the type text is not recognized.

Understanding Value Adds in SurgeTK

Tax Strategy Review (Roth Conversion Letter): How Your Letter Is Built

Where Monthly Income Comes From in Guardrails and Buckets

Why a Client or Account Is Missing From a Report

Rotating & Recycling Value Adds

When to Use Value Adds With Clients

Creating Surge with SurgeTK

Archiving households and closing accounts

Setting Up Your Firm & Team Settings

Plans, billing, and cancellation