diff --git a/app/service/public_platform_service.py b/app/service/public_platform_service.py
index 45a23a7..496bff6 100644
--- a/app/service/public_platform_service.py
+++ b/app/service/public_platform_service.py
@@ -79,11 +79,25 @@ class PublicPlatformService:
             session_id: str | None = None
             if operation == "create":
                 get_agent_factory().authorize(payload["agent_type"], context)
+                # 这四个时间列在模型里都是 `server_default=CURRENT_TIMESTAMP(6)`。
+                # 不显式赋值的话，`flush()` 之后 SQLAlchemy 需要**回读**这些由数据库生成的
+                # 值，而在 async session 里回读是异步 IO —— 紧接着 `_session_view(row)`
+                # 以同步属性访问去读，就抛 `MissingGreenlet: greenlet_spawn has not been
+                # called`，整个 `POST /api/v1/conversations` 500，连带转人工也做不了
+                # （会话建不出来 ⇒ 后续 404 会话不存在）。显式传 `now` 与同文件
+                # `ConversationFeedback(...)` 的写法一致，也贴合本项目"应用侧赋时间"的约定。
                 row = ConversationSession(
                     session_id=str(uuid4()),
                     user_id=user_id,
                     agent_type=payload["agent_type"],
                     portal=context.portal,
+                    status="active",
+                    clarification_round=0,
+                    message_count=0,
+                    started_at=now,
+                    last_active_at=now,
+                    created_at=now,
+                    updated_at=now,
                 )
                 session.add(row)
                 await session.flush()
diff --git a/tools/grant_advisor_role.py b/tools/grant_advisor_role.py
index aa0fd13..190b3d8 100644
--- a/tools/grant_advisor_role.py
+++ b/tools/grant_advisor_role.py
@@ -80,6 +80,12 @@ ADVISOR_GRANTED_CODES: tuple[str, ...] = (
     "investment-goal:read:self",
     "investment-goal:write:self",      # 新建投资目标
     "investment-goal:confirm:self",    # 与客户确认目标
+    # 看/建/确认**客户**（而非自己）的投资目标。这三个码是 `investment_goal_service.py`
+    # 按 `customer_id == 自己` 动态拼出来的，`data_scope=own_customers`：
+    # 只有客户在投顾名下才放行 —— 投顾服务的本来就是别人的钱。
+    "investment-goal:read:customer",
+    "investment-goal:write:customer",
+    "investment-goal:confirm:customer",
     "investment-goal:review",
     "investment-goal:publish",
     "portfolio-analysis:read:self",
diff --git a/tools/portal.py b/tools/portal.py
index c15c7ae..422d689 100644
--- a/tools/portal.py
+++ b/tools/portal.py
@@ -500,8 +500,10 @@ const esc = (s) => String(s ?? "").replace(/[&<>"]/g, (c) => ({'&':'&amp;','<':'
 const pretty = (o) => { try { return JSON.stringify(o, null, 2); } catch { return String(o); } };
 
 let ME = null;
-// 客服对话的会话号（一次对话内保持，用于承接上下文）
-let SESSION = "portal-" + Math.random().toString(16).slice(2, 10);
+// 客服会话：必须用 C001 `POST /api/v1/conversations` 真实创建后再用 ——
+// `agent-runs` 的 session_id 不会替你建会话，转人工时后端会查 `conversation` 表，
+// 拿一个自己编的 id 去调就会得到 404「会话不存在」。
+let CONV = null;
 // 门户会话号：每个标签页一个，存在 sessionStorage；令牌本身始终留在服务端 ——
 // 于是可以同时开两个窗口分别用客户与管理员身份，互不干扰。
 let SID = sessionStorage.getItem('portal-sid');
@@ -622,6 +624,16 @@ function addMsg(who, text, meta) {
   return row;
 }
 
+async function ensureSession() {
+  if (CONV) return CONV;
+  const r = await jpost('/api/call', { method:'POST', path:'/api/v1/conversations',
+    body:{ agent_type:'customer_service' } });
+  const d = (r.body || {}).data || {};
+  CONV = d.session_id || d.id || null;
+  if (!CONV) { alert('创建会话失败（HTTP ' + r.status + '）：' + pretty(r.body)); }
+  return CONV;
+}
+
 async function sendChat() {
   const box = $('msg');
   const text = box.value.trim();
@@ -630,7 +642,9 @@ async function sendChat() {
   box.value = '';
   const pending = addMsg('bot', '正在查询资料…');
   $('chat-meta').textContent = '处理中…';
-  const r = await jpost('/api/chat', { message: text, session_id: SESSION });
+  const sid = await ensureSession();
+  if (!sid) { pending.remove(); $('chat-meta').textContent = ''; return; }
+  const r = await jpost('/api/chat', { message: text, session_id: sid });
   pending.remove();
   $('chat-meta').textContent = '';
   if (!r.ok) { addMsg('bot', '请求失败：' + pretty(r.body)); return; }
@@ -676,10 +690,15 @@ async function decide(id, decision) {
 }
 
 async function askHandover() {
-  const reason = prompt('转人工原因（会记录进工单）：', '需要人工协助');
-  if (reason === null) return;
+  const sid = await ensureSession();
+  if (!sid) return;
+  // 该接口只接受 `reason_code`（固定 user_requested）+ `reason_detail`（可选、≤500 字）；
+  // 传 `reason` 会被 `additionalProperties: false` 判为额外字段，直接 422。
+  const detail = prompt('转人工说明（可留空，最多 500 字）：', '需要人工协助');
+  if (detail === null) return;
   const r = await jpost('/api/call', { method:'POST',
-    path: `/api/v1/conversations/${SESSION}/handover-requests`, body: { reason } });
+    path: `/api/v1/conversations/${sid}/handover-requests`,
+    body: { reason_code: 'user_requested', reason_detail: detail.slice(0, 500) } });
   showExtra('转人工结果', r);
 }
 
@@ -1080,12 +1099,17 @@ function showAdv(title, r) {
 }
 
 async function goal() {
-  const id = $('cust')?.value.trim();
-  const path = id ? `/api/v1/advisor/customers/${id}/investment-goals/current`
-                  : '/api/v1/advisor/investment-goals/current';
+  // 投顾要看的是**客户**的目标，所以走 `customers/{id}` 变体 —— 服务层会按
+  // `customer_id == 自己` 决定拼 `:self` 还是 `:customer` 权限码，后者要求
+  // `data_scope=own_customers` 且该客户确实在这个投顾名下，否则返回 404。
+  const id = ($('cust')?.value.trim() || '9001');
+  const path = `/api/v1/advisor/customers/${id}/investment-goals/current`;
   const r = await GET(path);
+  const hint = r.status === 403
+    ? ' —— 需要 investment-goal:read:customer（scope=own_customers）'
+    : (r.status === 404 ? ' —— 该客户不在你名下，或还没有投资目标' : '');
   $('advisor-extra').innerHTML = `<h2>投资目标</h2>
-    <p class="hint">HTTP <b>${r.status}</b> · <code>${esc(path)}</code></p>
+    <p class="hint">HTTP <b>${r.status}</b>${hint} · <code>${esc(path)}</code></p>
     <pre>${esc(pretty(r.body))}</pre>`;
 }
 
diff --git a/tools/seed_test_rbac.py b/tools/seed_test_rbac.py
index 2cc727d..d683f68 100644
--- a/tools/seed_test_rbac.py
+++ b/tools/seed_test_rbac.py
@@ -123,6 +123,19 @@ PERMISSIONS: tuple[tuple[int, str, str, str, str], ...] = (
     (9055, "financial:nl2sql:read", "financial", "nl2sql", "all"),
     # 平台验证探针工具（`platform_probe.py`），只给 admin。
     (9056, "probe:read", "probe", "read", "all"),
+    # ---- 9057-9059：`investment-goal:{action}:customer` 三个变体 ----
+    # 这三个是**动态拼出来的**：`investment_goal_service.py:270-286` 的
+    # `_assert_customer_access` 按 `customer_id == 自己` 决定拼 `:self` 还是 `:customer`，
+    # 所以对账工具抓不到字面量，一直以为权限齐了 —— 实际投顾查/建/确认**客户**的目标
+    # 全部 403。action 取值来自调用点：`write`(L43) / `confirm`(L110) / `read`(L138,155)。
+    #
+    # `data_scope` 必须是 `own_customers`：那段代码在后面还会校一次
+    # `scope != "all" and (scope != "own_customers" or customer_id not in context.customer_ids)`
+    # ⇒ 只有 `own_customers` 且客户确在投顾名下才放行。这是**最小权限**的正确形态：
+    # 投顾只看自己服务的客户，而不是全量客户。
+    (9057, "investment-goal:read:customer", "investment-goal", "read", "own_customers"),
+    (9058, "investment-goal:write:customer", "investment-goal", "write", "own_customers"),
+    (9059, "investment-goal:confirm:customer", "investment-goal", "confirm", "own_customers"),
 )
 
 # 客户：业务侧自助能力（自己的会话、反馈、转人工、自己的记忆画像）。