diff --git a/plugins/agent/facts/src/cells.rs b/plugins/agent/facts/src/cells.rs
index 1a301883c7..fca57222b7 100644
--- a/plugins/agent/facts/src/cells.rs
+++ b/plugins/agent/facts/src/cells.rs
@@ -18,7 +18,9 @@
  */
 
 //! Durable Cell evidence; no value here represents interpreter or Host custody.
-use crate::durable::{AgentStepLink, ApprovalId, ContentRef, FactId, ResourceRecovery, StepId};
+use crate::durable::{
+    AgentStepLink, ApprovalId, ContentRef, FactId, ResourceRecovery, StepId, Terminal,
+};
 use crate::operation::{
     RecordedOperationReply, RecordedOperationResult, result_reference, same_outcome,
 };
@@ -511,19 +513,17 @@ impl CellView {
             || self.children.values().any(|child| !child.known())
             || self.blocks_effect_admission()
     }
-    pub fn blocks_session_retirement(&self, terminal: Option<&crate::durable::Terminal>) -> bool {
-        if self.owner.run().is_some()
-            && matches!(
-                terminal,
-                Some(crate::durable::Terminal::Cancelled | crate::durable::Terminal::Failed)
-            )
-        {
-            self.has_unsettled_effects()
-        } else {
-            self.pending()
+    pub fn blocks_session_retirement(&self, terminal: Option<&Terminal>) -> bool {
+        if self.owner.run().is_none() {
+            return self.pending();
+        }
+        match terminal {
+            Some(Terminal::Completed) => self.settlement_pending(),
+            Some(Terminal::Cancelled | Terminal::Failed) => self.has_unsettled_effects(),
+            None => self.pending(),
         }
     }
-    pub fn pending(&self) -> bool {
+    pub fn settlement_pending(&self) -> bool {
         matches!(
             self.status,
             CellStatus::Running
@@ -533,6 +533,9 @@ impl CellView {
                 }
         ) || self.children.values().any(|child| !child.known())
             || self.blocks_effect_admission()
+    }
+    pub fn pending(&self) -> bool {
+        self.settlement_pending()
             || (matches!(self.owner, CellOwner::Agent { .. })
                 && (!self.notifications.is_empty()
                     || (matches!(self.status, CellStatus::Interrupted { .. })
diff --git a/plugins/agent/state/src/fold.rs b/plugins/agent/state/src/fold.rs
index dd5c4759a8..f26b9b47f6 100644
--- a/plugins/agent/state/src/fold.rs
+++ b/plugins/agent/state/src/fold.rs
@@ -2126,8 +2126,15 @@ impl RunView {
                         }),
                         "successful completion requires actual model cleanup acknowledgements",
                     )?;
+                    // FinishTurn closes model admission, so there is no step to receive Cell notifications.
                     require(
-                        self.cells.values().all(|cell| !cell.pending()),
+                        self.cells.values().all(|cell| {
+                            if self.finish_requested() {
+                                !cell.settlement_pending()
+                            } else {
+                                !cell.pending()
+                            }
+                        }),
                         "run has pending Cell obligations",
                     )?;
                     require(
diff --git a/plugins/agent/state/src/fold/tests.rs b/plugins/agent/state/src/fold/tests.rs
index 7d706db305..974e0cafdb 100644
--- a/plugins/agent/state/src/fold/tests.rs
+++ b/plugins/agent/state/src/fold/tests.rs
@@ -85,6 +85,84 @@ fn spec(backend: BackendSpec, reference: &ContentRef) -> RunSpec {
     }
 }
 
+#[test]
+fn finish_turn_settles_after_cell_cleanup_with_an_undelivered_notification() {
+    use maka_agent_facts::cells::{CellEvent, CellId, CellOwner, CellView};
+
+    let source = ContentBlob::new(vec![]).reference().clone();
+    let spec = spec(
+        BackendSpec::Model {
+            binding: ModelBinding {
+                connection_id: "policy".into(),
+                connection_slug: "policy".into(),
+                model: "policy".into(),
+            },
+            descriptor: source.clone(),
+        },
+        &source,
+    );
+    let spec_ref = ContentBlob::json(&spec).unwrap().reference().clone();
+    let mut view = RunView::admitted(RunId::new(), spec).unwrap();
+    apply(&mut view, Fact::RunAdmitted { spec: spec_ref });
+    let link = AgentStepLink {
+        run: view.run,
+        step: StepId::new(),
+        attempt: ModelAttemptId::new(),
+    };
+    let cell = CellId::for_agent(link, "background");
+    let background = CellView::started(&CellEvent::Started {
+        cell,
+        owner: CellOwner::Agent {
+            link,
+            call: "background".into(),
+        },
+        source: source.clone(),
+    })
+    .unwrap();
+    view.cells.insert(cell, background);
+    let complete = |view: &mut RunView| {
+        let fact = record(
+            view,
+            Fact::RunTerminated {
+                terminal: Terminal::Completed,
+                diagnostic: None,
+            },
+        );
+        view.apply(&fact)
+    };
+    view.finish_requested = true;
+    assert!(complete(&mut view).is_err());
+
+    apply(
+        &mut view,
+        Fact::Cell {
+            event: CellEvent::Interrupted {
+                cell,
+                report: source.clone(),
+            },
+        },
+    );
+    let notification = FactId::new();
+    apply(
+        &mut view,
+        Fact::Cell {
+            event: CellEvent::FinalNotificationQueued {
+                cell,
+                notification,
+                content: source,
+            },
+        },
+    );
+    let mut continuing = view.clone();
+    continuing.finish_requested = false;
+    assert!(complete(&mut continuing).is_err());
+
+    complete(&mut view).unwrap();
+    assert_eq!(view.terminal, Some(Terminal::Completed));
+    assert!(view.cells[&cell].notifications.contains(&notification));
+    assert!(!view.cells[&cell].blocks_session_retirement(view.terminal.as_ref()));
+}
+
 #[test]
 fn unknown_local_return_keeps_risk_until_new_known_evidence_and_never_rewrites_known_result() {
     // Pure fold data: content loading, physical cleanup, and Native custody are not exercised.