diff --git a/plugins/session-flow/.claude-plugin/plugin.json b/plugins/session-flow/.claude-plugin/plugin.json
index 9d87847e4..c93ed842e 100644
--- a/plugins/session-flow/.claude-plugin/plugin.json
+++ b/plugins/session-flow/.claude-plugin/plugin.json
@@ -1,7 +1,7 @@
 {
   "$schema": "https://json.schemastore.org/claude-code-plugin-manifest.json",
   "name": "session-flow",
-  "version": "0.10.1",
+  "version": "0.10.2",
   "description": "Session-lifecycle toolkit of seven skills: workflow (navigate a staged dev workflow and suggest the next stage), handoff (write a save-point and resume prompt for /clear, with optional --bg background-agent launch), keep-going (recover and continue after any interruption — inventory off-thread work, inspect its real state, resume or restart it, then continue the main task), clean-stop (get to a durable, linked stopping point before the machine may go away — sweep every repo/worktree for uncommitted, unpushed, or PR-less work, push it durable, put breadcrumbs in PR/issue bodies, then give a free-and-clear verdict), retro (structured session retrospective with transcript metrics and learning codification), orchestrate (arm a session or worker with proactive-orchestration imperatives), and reanchor (verify a session's working assumptions are still true against live reality — referenced PRs/issues/branches, base-branch drift, renamed/version-drifted surfaces, stale memory-tier files — before building on them).",
   "author": {
     "name": "Melodic Software",
diff --git a/plugins/session-flow/CHANGELOG.md b/plugins/session-flow/CHANGELOG.md
index 0b902ece8..e6c4bdab8 100644
--- a/plugins/session-flow/CHANGELOG.md
+++ b/plugins/session-flow/CHANGELOG.md
@@ -1,5 +1,15 @@
 # Changelog — session-flow plugin
 
+## 0.10.2 — 2026-07-19
+
+Fixed:
+
+- retro: the Phase 1.1 multi-session snippet now derives `HANDOFF_DIR` from the
+  resolved `memory_dir` (reads the `.claude/topic-docs.yaml` concern file, falls
+  back to `.work`) instead of hard-coding the bare default `.work/handoffs`. A
+  copy-as-is run of the snippet previously bypassed the memory_dir seam, missing
+  the handoff chain in any repo that relocates its memory tier.
+
 ## 0.10.1 — 2026-07-19
 
 Changed:
diff --git a/plugins/session-flow/skills/retro/context/session.md b/plugins/session-flow/skills/retro/context/session.md
index 29d162bf3..a3baa84e7 100644
--- a/plugins/session-flow/skills/retro/context/session.md
+++ b/plugins/session-flow/skills/retro/context/session.md
@@ -43,11 +43,18 @@ done
 # Single-session form:
 "$PY" "$PARSER" --sessions "${CLAUDE_CODE_SESSION_ID}" --base "$SESSION_DATA_DIR"
 
-# Multi-session form (handoff chain exists). Set HANDOFF_DIR to the resolved
-# <memory_dir>/handoffs — the concern file's memory_dir first, else the consuming
-# repo's documented save-point location (see the handoff skill's "Where handoffs
-# live"); the plugin default is .work/handoffs/.
-HANDOFF_DIR=.work/handoffs
+# Multi-session form (handoff chain exists). Derive HANDOFF_DIR from the resolved
+# memory_dir — the concern file's memory_dir key, else the plugin default .work.
+# For the full resolution order (documented save-point locations, no-project-root
+# fallback) see the handoff skill's "Where handoffs live".
+MEMORY_DIR=.work
+if [[ -f .claude/topic-docs.yaml ]]; then
+  VAL=$(sed -n 's/^memory_dir:[[:space:]]*//p' .claude/topic-docs.yaml | head -1)
+  VAL="${VAL%%#*}"; VAL="${VAL%"${VAL##*[![:space:]]}"}"; VAL="${VAL%/}"
+  VAL="${VAL#\"}"; VAL="${VAL%\"}"; VAL="${VAL#\'}"; VAL="${VAL%\'}"
+  [[ -n "$VAL" ]] && MEMORY_DIR="$VAL"
+fi
+HANDOFF_DIR="$MEMORY_DIR/handoffs"
 NEWEST=$(ls -1 "$HANDOFF_DIR"/*-handoff-*.md 2>/dev/null | sort | tail -1)
 "$PY" "$PARSER" --chain-from "$NEWEST" --current-session "${CLAUDE_CODE_SESSION_ID}" --base "$SESSION_DATA_DIR"
 ```