When to schedule a reconciliation instead of a fresh snapshot
Signs that your old ledger needs a difference list rather than a brand-new first page.
Book a fresh Offline Wallet Portfolio Snapshot when you have never written a formal sheet, or when labels have changed so much that the old page is noise.
Choose a Balance Reconciliation Review when last year’s ledger still matches your physical labels and you mainly need to know what moved. Reconciliation is faster, cheaper, and kinder to counsel who already filed the prior pages.
If you lost the only copy of the old sheet, start again with a snapshot. Guessing prior balances to “fill gaps” produces a document that looks complete and fails under scrutiny. An honest new count beats a reconstructed fantasy.