diff --git a/src/monarch_mcp_custom/auth.py b/src/monarch_mcp_custom/auth.py
index 87814ec..0b82ff0 100644
--- a/src/monarch_mcp_custom/auth.py
+++ b/src/monarch_mcp_custom/auth.py
@@ -55,7 +55,8 @@ async def get_authenticated_client() -> MonarchMoney:
     token = load_token()
     if token:
         try:
-            _client_instance = MonarchMoney(token=token)
+            _client_instance = MonarchMoney()
+            _client_instance.set_token(token)
             return _client_instance
         except Exception as e:
             logger.error(f"Failed to initialize MonarchMoney with token: {e}")