# FinPerMA: A Theory-Informed, Event-Grounded Personalized-Memory Benchmark for LLM Agents

arXiv: https://arxiv.org/abs/2608.04095 · HTML: https://mlsanity.com/paper/2608.04095/

## Key facts

- Cited by 1 papers in the map (data through 14 Oct 2026).
- Placed in Agent memory systems, one of 16 directions in LLM agents and tool use.
- Builds on 9 of its 22 references that are in the map.
- First posted on arXiv 4 Aug 2026.

## Placed in

- LLM agents and tool use / [Agent memory systems](https://mlsanity.com/agents/agent-memory-systems/)

## Builds on (most cited first, 9 of 9)

- [Language Models are Few-Shot Learners](https://mlsanity.com/paper/2005.14165/) (2020)
- [Judging LLM-as-a-Judge with MT-Bench and Chatbot Arena](https://mlsanity.com/paper/2306.05685/) (2023)
- [Generative Agents: Interactive Simulacra of Human Behavior](https://mlsanity.com/paper/2304.03442/) (2023)
- [MemGPT: Towards LLMs as Operating Systems](https://mlsanity.com/paper/2310.08560/) (2023)
- [A-MEM: Agentic Memory for LLM Agents](https://mlsanity.com/paper/2502.12110/) (2025)
- [Evaluating Very Long-Term Conversational Memory of LLM Agents](https://mlsanity.com/paper/2402.17753/) (2024)
- [LongMemEval: Benchmarking Chat Assistants on Long-Term Interactive Memory](https://mlsanity.com/paper/2410.10813/) (2024)
- [Know Me, Respond to Me: Benchmarking LLMs for Dynamic User Profiling and Personalized Responses at Scale](https://mlsanity.com/paper/2504.14225/) (2025)
- [MemOS: A Memory OS for AI System](https://mlsanity.com/paper/2507.03724/) (2025)

## Built on by (most cited first, 1 of 1)

- [MemFold: Learning Compact Soft Memory for Long-Context Personalization via On-Policy Optimization](https://mlsanity.com/paper/2609.36435/) (2026)

## Abstract (arXiv)

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.