As large language model (LLM) agents evolve into personalized companions, memory has emerged as a core capability. However, LLMs face a knowledge utilization problem: they may fail to act on relevant user preferences even when they are fully present in context. When an agent fails to tailor its response in a context where previously shared user preferences should matter, it is unclear whether the model failed to remember that information or remembered it but failed to use it. To isolate this breakdown, we introduce a decoupled evaluation paradigm that administers paired Know and Act tests to the same user preference. We conduct large-scale experiments across 16 systems and five memory architectures, evaluating 1,000 preferences embedded at three levels of expression strength. Our results show a large gap between Know and Act outcomes: agents often pass the recall test for a user preference but fail to reflect that same preference in the paired behavioral scenario. While memory architectures reduce this gap, utilization remains especially weak for health and therapy-related preferences, where failures to act carry the greatest real-world stakes.
A long-lived LLM agent, such as OpenClaw, earns its value by acting on a user's preferences and constraints across sessions, not just the current request. Yet today's agents keep what a user volunteers but rarely ask for what stays unspoken, leaving a proactivity gap in long-lived LLM agents: an agent cannot act on a preference it never obtained. As users delegate more of their affairs to agents, the impact of this gap grows. We isolate one concrete, controllable slice of this gap as Ask-to-Remember (ATR): the agent decides whether to ask now for a reusable user preference that the current task does not need but a later session with the same user will. ATR is hard even to evaluate: the right question is underdetermined and its payoff deferred to tasks that may never arise. ATRBench, to the best of our knowledge the first ATR benchmark, makes it measurable by fixing each user's preferences as hidden ground truth, so success demands asking, not recall. Across eight frontier LLM agents, defaults fall at least 62 points below an oracle handed the relevant preference, and prompting closes little of it. Diagnostics identify acquisition as the bottleneck. ATRBench surfaces this proactivity gap in current agents and offers a diagnostic testbed for closing it.
Long-term memory enables language model agents to support personalized interactions, but it remains unclear when available memories warrant integration into responses. Existing memory evaluations emphasize retrieval accuracy and downstream task utility, while overlooking whether retrieved sensitive memory content is warranted in the current turn. We introduce RBI-Eval, a controlled measurement study built around a probe set that compares model behavior with and without access to sensitive memory under identical benign prompts. We evaluate four base LLMs against a matched no-memory reference across four memory-access settings: full-context exposure and three retrieval systems. Our results reveal substantial behavioral divergence. With memory available, the separation score for sensitive-memory integration decreases by 8.9%--26.6% relative to the matched no-memory reference for GPT-5.4-mini, but by 51.1%--82.9% for Claude-Sonnet-4.6, DeepSeek-V4-Flash, and Qwen3.5-9B. Control experiments on DeepSeek and GPT-5.4-mini show this effect is specific to sensitive content, rather than general personalization. Retrieval systems reduce exposure but do not eliminate integration once sensitive memory reaches the generator. These findings suggest safe personalization requires memory-aware decisions at both retrieval and generation time.
Large language model (LLM) agents are increasingly used as personalized assistants in high-stakes domains such as financial advising, yet it remains unclear whether they can maintain and update an individualized user model over long horizons. Existing personalized-memory benchmarks primarily test factual retention or rely on weakly constrained model-generated trajectories, leaving event-driven preference adaptation underexplored. We introduce FinPerMA, an event-grounded benchmark that evaluates personalized memory against frozen longitudinal investor trajectories. Its generation pipeline combines deterministic, theory-informed impact rules, controlled LLM narration, and automated quality screening; a Post-Shock checkpoint isolates whether an agent has integrated a material event into its persistent user model. On 2,994 questions from 276 personas, seven frontier LLMs and up to seven memory configurations remain far from saturated: no full-context configuration exceeds approximately 0.47 overall accuracy or approximately 39% on multiple-choice questions. Attribution analysis shows that summary-based memory often preserves factual details while losing the preference signals needed for personalization; simple retrieval can therefore outperform purpose-built memory systems, with the gap widening after shocks.