diff --git a/PortfolioJournal/Models/CoreDataStack.swift b/PortfolioJournal/Models/CoreDataStack.swift
index cc77ffe..a9749c9 100644
--- a/PortfolioJournal/Models/CoreDataStack.swift
+++ b/PortfolioJournal/Models/CoreDataStack.swift
@@ -192,6 +192,24 @@ class CoreDataStack: ObservableObject {
                 print("Core Data failed to load: \(error), \(error.userInfo)")
             } else {
                 print("Core Data loaded successfully at: \(description.url?.path ?? "unknown")")
+                #if DEBUG
+                // Dev-only, opt-in: push the FULL model schema to the Development CloudKit
+                // environment so optional fields that were never exported by a Debug run
+                // (e.g. monthlyContribution on InvestmentSource, allocationTarget on Category)
+                // get materialised — otherwise they can't be deployed to Production and every
+                // Production export rejects those records (bare CKErrorPartialFailure).
+                // Run ONCE from Xcode with launch arg -InitializeCloudKitSchema, watch for the
+                // ✅ log, then deploy to Production in the CloudKit Console and remove the arg.
+                if ProcessInfo.processInfo.arguments.contains("-InitializeCloudKitSchema"),
+                   let ckContainer = container as? NSPersistentCloudKitContainer {
+                    do {
+                        try ckContainer.initializeCloudKitSchema(options: [])
+                        print("✅ CloudKit schema initialized in Development. Now open the CloudKit Console → Deploy Schema Changes → Production.")
+                    } catch {
+                        print("❌ initializeCloudKitSchema failed: \(error)")
+                    }
+                }
+                #endif
             }
             DispatchQueue.main.async {
                 self?.isLoaded = true