diff --git a/PortfolioJournal/Models/CoreData/Account+CoreDataClass.swift b/PortfolioJournal/Models/CoreData/Account+CoreDataClass.swift
index 4d30d43..200c95f 100644
--- a/PortfolioJournal/Models/CoreData/Account+CoreDataClass.swift
+++ b/PortfolioJournal/Models/CoreData/Account+CoreDataClass.swift
@@ -15,7 +15,13 @@ public class Account: NSManagedObject, Identifiable {
         get { safeValue(forKey: "name", fallback: "") }
         set { setManagedValue(newValue, forKey: "name") }
     }
-    @NSManaged public var createdAt: Date
+    // createdAt is optional in the model; a non-optional @NSManaged Date crashes the
+    // CloudKit merge when an imported record materialises with a transient nil.
+    // Same nil-tolerant accessor pattern already applied to Snapshot.
+    @objc public var createdAt: Date {
+        get { safeValue(forKey: "createdAt", fallback: .distantPast) }
+        set { setManagedValue(newValue, forKey: "createdAt") }
+    }
     @NSManaged public var currency: String?
     @NSManaged public var inputMode: String
     @NSManaged public var notificationFrequency: String
diff --git a/PortfolioJournal/Models/CoreData/Goal+CoreDataClass.swift b/PortfolioJournal/Models/CoreData/Goal+CoreDataClass.swift
index e8adad3..9a0dcc7 100644
--- a/PortfolioJournal/Models/CoreData/Goal+CoreDataClass.swift
+++ b/PortfolioJournal/Models/CoreData/Goal+CoreDataClass.swift
@@ -18,7 +18,13 @@ public class Goal: NSManagedObject, Identifiable {
     @NSManaged public var targetAmount: NSDecimalNumber?
     @NSManaged public var targetDate: Date?
     @NSManaged public var isActive: Bool
-    @NSManaged public var createdAt: Date
+    // createdAt is optional in the model; a non-optional @NSManaged Date crashes the
+    // CloudKit merge when an imported record materialises with a transient nil.
+    // Same nil-tolerant accessor pattern already applied to Snapshot.
+    @objc public var createdAt: Date {
+        get { safeValue(forKey: "createdAt", fallback: .distantPast) }
+        set { setManagedValue(newValue, forKey: "createdAt") }
+    }
     @NSManaged public var account: Account?
 
     public override func awakeFromInsert() {
diff --git a/PortfolioJournal/Models/CoreData/InvestmentSource+CoreDataClass.swift b/PortfolioJournal/Models/CoreData/InvestmentSource+CoreDataClass.swift
index c36f2e4..cfab644 100644
--- a/PortfolioJournal/Models/CoreData/InvestmentSource+CoreDataClass.swift
+++ b/PortfolioJournal/Models/CoreData/InvestmentSource+CoreDataClass.swift
@@ -19,7 +19,13 @@ public class InvestmentSource: NSManagedObject, Identifiable {
     @NSManaged public var customFrequencyMonths: Int16
     @NSManaged public var isActive: Bool
     @NSManaged public var monthlyContribution: NSDecimalNumber?
-    @NSManaged public var createdAt: Date
+    // createdAt is optional in the model; a non-optional @NSManaged Date crashes the
+    // CloudKit merge when an imported record materialises with a transient nil.
+    // Same nil-tolerant accessor pattern already applied to Snapshot.
+    @objc public var createdAt: Date {
+        get { safeValue(forKey: "createdAt", fallback: .distantPast) }
+        set { setManagedValue(newValue, forKey: "createdAt") }
+    }
     @NSManaged public var category: Category?
     @NSManaged public var account: Account?
     @NSManaged public var snapshots: NSSet?