diff --git a/src/components/settings/settings-shell.tsx b/src/components/settings/settings-shell.tsx
index 2012bc718..cdef9f561 100644
--- a/src/components/settings/settings-shell.tsx
+++ b/src/components/settings/settings-shell.tsx
@@ -49,7 +49,7 @@ import { useAuth } from "@/hooks/use-auth";
 import { useMounted } from "@/hooks/use-mounted";
 import { useTranslations } from "@/lib/i18n/context";
 import type { ModuleKey } from "@/lib/modules/registry";
-import { classifySettingsDestination } from "@/lib/record-settings";
+import { isSettingsDestinationListedForRecord } from "@/lib/record-settings/classification";
 import {
   SETTINGS_SECTION_SLUGS,
   isSettingsSectionSlug,
@@ -448,31 +448,16 @@ export function SettingsShell({
   // Keep `allVisibleSections` for the active heading so a direct unavailable
   // link identifies itself before the gate explains why it cannot open.
   //
-  //   * A managed profile shows its guardian configuration AND the record
-  //     content a MANAGE holder may write — the guardian holds MANAGE, so the
-  //     second set is theirs as well.
-  //   * An ordinary shared record at MANAGE shows only the record content. A
-  //     delegate manages somebody's health record, not their account: modules,
-  //     thresholds and notification routing stay with the owner.
-  //   * Every other shared record shows nothing here, because it reaches no
-  //     Settings destination at all.
+  // Which destinations a record lists is answered by
+  // `isSettingsDestinationListedForRecord`, the same predicate the app
+  // navigation reads to decide whether to offer a Settings entry at all and
+  // where it lands. Its docblock carries the per-kind rules.
   const visibleSections =
     activeRecord === null
       ? allVisibleSections
-      : allVisibleSections.filter((section) => {
-          const kind = classifySettingsDestination(section.slug).kind;
-          // Every destination on either list needs MANAGE, so the level is
-          // checked once for both record kinds rather than only for the adult
-          // one. A guardian grant is always MANAGE today, which is exactly why
-          // the check was easy to leave out — and a managed entry that ever
-          // arrived below it would have listed destinations the section gate
-          // refuses, sending somebody to a page that explains it cannot open.
-          if (activeRecord.level !== "manage") return false;
-          if (activeRecord.recordKind === "managed") {
-            return kind === "managed-guardian" || kind === "manage-writable";
-          }
-          return kind === "manage-writable";
-        });
+      : allVisibleSections.filter((section) =>
+          isSettingsDestinationListedForRecord(section.slug, activeRecord),
+        );
   const activeSection = allVisibleSections.find(
     (section) => section.slug === activeSlug,
   );
diff --git a/src/lib/record-settings/classification.ts b/src/lib/record-settings/classification.ts
index 0e532fd16..6c606479a 100644
--- a/src/lib/record-settings/classification.ts
+++ b/src/lib/record-settings/classification.ts
@@ -1,4 +1,11 @@
-import type { SettingsSectionSlug } from "@/components/settings/section-slugs";
+import {
+  SETTINGS_SECTION_SLUGS,
+  type SettingsSectionSlug,
+} from "@/components/settings/section-slugs";
+import type {
+  AccountAccessLevel,
+  AccountRecordKind,
+} from "@/lib/sharing/account-access-view";
 
 export type SettingsDestinationKind =
   | "personal"
@@ -138,3 +145,69 @@ export function isManageDelegateSettingsDestination(
 ): boolean {
   return classifySettingsDestination(destination).kind === "manage-writable";
 }
+
+/**
+ * The record a Settings listing is drawn for: the server-resolved kind of the
+ * record on screen and the level of the grant that opened it. `level` is null
+ * in one's own record and in a context the client could not prove.
+ */
+export interface SettingsRecordContext {
+  recordKind: AccountRecordKind;
+  level: AccountAccessLevel | null;
+}
+
+/**
+ * Does the Settings shell list this destination inside a shared record.
+ *
+ * The one answer both the shell's section list and the app navigation read,
+ * so the navigation cannot offer a Settings entry the shell has nothing
+ * behind, nor withhold one the shell would list.
+ *
+ *   * A managed profile at MANAGE lists its guardian configuration and the
+ *     record content a MANAGE holder may write. The guardian holds MANAGE, so
+ *     the second set is theirs as well.
+ *   * An ordinary shared record at MANAGE lists only the record content. A
+ *     delegate manages somebody's health record, not their account: modules,
+ *     thresholds and notification routing stay with the owner.
+ *   * Every other context lists nothing.
+ *
+ * Every destination on either list needs MANAGE, so the level is checked once
+ * for both record kinds. A guardian grant is always MANAGE today, which is
+ * exactly why the check was easy to leave out, and a managed entry that ever
+ * arrived below it would have listed destinations the section gate refuses.
+ *
+ * Paint only. The section gate still refuses any direct URL on its own.
+ */
+export function isSettingsDestinationListedForRecord(
+  destination: string,
+  record: SettingsRecordContext,
+): boolean {
+  if (record.level !== "manage") return false;
+  const kind = classifySettingsDestination(destination).kind;
+  if (record.recordKind === "managed") {
+    return kind === "managed-guardian" || kind === "manage-writable";
+  }
+  if (record.recordKind === "shared") return kind === "manage-writable";
+  return false;
+}
+
+/**
+ * The Settings page a navigation entry opens inside a shared record, or null
+ * when the shell would list nothing there and no entry should be offered.
+ *
+ * `order` is the order the shell lists its sections in. The navigation passes
+ * the slug registry, whose order differs from the shell's in general; the
+ * parity test in `nav-model-shared-record.test.ts` holds the first answer
+ * equal to the first section the shell actually lists, for every record kind,
+ * so a reorder on either side fails there rather than landing somebody on a
+ * page the shell does not open with.
+ */
+export function recordSettingsLandingDestination(
+  record: SettingsRecordContext,
+  order: readonly SettingsSectionSlug[] = SETTINGS_SECTION_SLUGS,
+): SettingsSectionSlug | null {
+  return (
+    order.find((slug) => isSettingsDestinationListedForRecord(slug, record)) ??
+    null
+  );
+}