diff --git a/src/components/settings/__tests__/coach-entry-follows-capability.test.tsx b/src/components/settings/__tests__/coach-entry-follows-capability.test.tsx
index c30b49e8c..79d0eef04 100644
--- a/src/components/settings/__tests__/coach-entry-follows-capability.test.tsx
+++ b/src/components/settings/__tests__/coach-entry-follows-capability.test.tsx
@@ -15,7 +15,10 @@
 import { beforeEach, describe, expect, it, vi } from "vitest";
 import { renderToStaticMarkup } from "react-dom/server";
 
-const h = vi.hoisted(() => ({ coachAvailable: true }));
+const h = vi.hoisted(() => ({
+  coachAvailable: true,
+  active: null as Record<string, unknown> | null,
+}));
 
 vi.mock("next/navigation", () => ({
   usePathname: () => "/settings/ai",
@@ -24,7 +27,12 @@ vi.mock("next/navigation", () => ({
 vi.mock("@/hooks/use-mounted", () => ({ useMounted: () => true }));
 vi.mock("@/hooks/use-auth", () => ({
   useAuth: () => ({
-    user: { id: "u1", role: "USER", modules: { coach: true } },
+    user: {
+      id: "u1",
+      role: "USER",
+      modules: { coach: true },
+      accountAccess: { active: h.active },
+    },
     isAuthenticated: true,
     isLoading: false,
     refetch: vi.fn(),
@@ -68,6 +76,7 @@ function render(node: React.ReactNode) {
 describe("the Coach entry in Settings", () => {
   beforeEach(() => {
     h.coachAvailable = true;
+    h.active = null;
   });
 
   it("is listed while the Coach can answer, and the memory lives there", () => {
@@ -86,4 +95,18 @@ describe("the Coach entry in Settings", () => {
     ).not.toContain('href="/settings/coach"');
     expect(render(<AiSection />)).toContain('data-slot="stored-coach-memory"');
   });
+
+  it("stays for a managed record whose Coach cannot answer yet", () => {
+    // A record has no Settings, AI: the guardian reaches the record's Coach
+    // data scope and switch through this entry only.
+    h.coachAvailable = false;
+    h.active = {
+      recordKind: "managed",
+      level: "manage",
+      manageableDomains: [],
+    };
+    expect(
+      render(<SettingsShell active="coach">body</SettingsShell>),
+    ).toContain('href="/settings/coach"');
+  });
 });
diff --git a/src/components/settings/settings-shell.tsx b/src/components/settings/settings-shell.tsx
index a2bcb5185..8d6924f5c 100644
--- a/src/components/settings/settings-shell.tsx
+++ b/src/components/settings/settings-shell.tsx
@@ -356,6 +356,20 @@ function deriveActiveSlug(
   return isSettingsSectionSlug(candidate) ? candidate : "account";
 }
 
+/**
+ * The module map the section list reads, the sidebar's. A managed record has
+ * no Settings, AI to list its Coach settings (its data scope, its switch), so
+ * there the Coach entry follows the module switch alone, not whether the
+ * record's Coach can answer yet.
+ */
+function useSectionModules() {
+  const { user } = useAuth();
+  const navModules = useNavModules();
+  return user?.accountAccess?.active?.recordKind === "managed"
+    ? user.modules
+    : navModules;
+}
+
 export function SettingsShell({
   active,
   heading,
@@ -391,7 +405,7 @@ export function SettingsShell({
   // effect (which the lint rule flags as a cascading render), and no risk of
   // the two passes disagreeing.
   const hydrated = useMounted();
-  const modules = useNavModules();
+  const modules = useSectionModules();
   const activeRecord = user?.accountAccess?.active ?? null;
   const allVisibleSections = SETTINGS_SECTIONS.filter(
     (section) =>