diff --git a/pyproject.toml b/pyproject.toml
index ad9ebdf..1d3ba42 100644
--- a/pyproject.toml
+++ b/pyproject.toml
@@ -1,6 +1,6 @@
 [project]
 name = "schwab-mcp-custom"
-version = "0.2.0"
+version = "0.2.1"
 description = "MCP server wrapping schwab-scraper"
 readme = "README.md"
 requires-python = ">=3.12"
diff --git a/server.py b/server.py
index 4d4d558..36a38b7 100644
--- a/server.py
+++ b/server.py
@@ -265,7 +265,14 @@ async def login(
 
     mcp_logger = logging.getLogger("schwab_mcp_custom")
     mcp_logger.info("=== LOGIN TOOL CALLED ===")
-    mcp_logger.info(f"debug={debug}, username_provided={bool(username)}")
+    mcp_logger.info(f"debug={debug}, username_provided={bool(username)}, password_provided={bool(password)}")
+
+    # Diagnostic: if credentials not provided, show what config path would be used
+    if not username or not password:
+        from schwab_scraper.core.config import get_config_path
+        config_path = get_config_path()
+        config_exists = os.path.exists(config_path)
+        mcp_logger.info(f"Config fallback: path={config_path}, exists={config_exists}")
 
     with capture_logs(level=logging.DEBUG if debug else logging.INFO) as log_buf:
         mcp_logger.info("capture_logs context entered")