diff --git a/src/monarch_mcp_custom/auth.py b/src/monarch_mcp_custom/auth.py
index edf1a3b..b88b7bb 100644
--- a/src/monarch_mcp_custom/auth.py
+++ b/src/monarch_mcp_custom/auth.py
@@ -55,8 +55,7 @@ async def get_authenticated_client() -> MonarchMoney:
     token = load_token()
     if token:
         try:
-            _client_instance = MonarchMoney()
-            _client_instance.set_token(token)
+            _client_instance = MonarchMoney(token=token)
             return _client_instance
         except Exception as e:
             logger.error(f"Failed to initialize MonarchMoney with token: {e}")
diff --git a/src/monarch_mcp_custom/server.py b/src/monarch_mcp_custom/server.py
index 55400d2..499796b 100644
--- a/src/monarch_mcp_custom/server.py
+++ b/src/monarch_mcp_custom/server.py
@@ -303,6 +303,11 @@ async def api_call(method: str, params: str = "{}") -> str:
         parsed_params = json.loads(params) if params else {}
     except json.JSONDecodeError as e:
         return serialize_json({"error": f"Invalid JSON in params: {e}"})
+
+    # Debug: log what URL the client will use
+    from monarchmoney import MonarchMoneyEndpoints
+    logger.info(f"api_call: method={method}, GraphQL URL={MonarchMoneyEndpoints.getGraphQL()}")
+
     try:
         result = await method_func(**parsed_params)
         return serialize_json(result)