diff --git a/packages/squad-cli/src/cli-entry.ts b/packages/squad-cli/src/cli-entry.ts
index a123b745a..bb1403867 100644
--- a/packages/squad-cli/src/cli-entry.ts
+++ b/packages/squad-cli/src/cli-entry.ts
@@ -108,6 +108,15 @@ const VERSION = getPackageVersion();
 
 async function main(): Promise<void> {
   const args = process.argv.slice(2);
+  
+  // --team-root flag: override team root for resolution
+  const teamRootIdx = args.indexOf('--team-root');
+  if (teamRootIdx !== -1 && args[teamRootIdx + 1]) {
+    process.env['SQUAD_TEAM_ROOT'] = args[teamRootIdx + 1]!;
+    // Remove --team-root and its value from args
+    args.splice(teamRootIdx, 2);
+  }
+  
   const hasGlobal = args.includes('--global');
   // --economy activates economy mode for this session (sets env var for spawner)
   const hasEconomy = args.includes('--economy');
@@ -193,6 +202,9 @@ async function main(): Promise<void> {
     console.log(`             Flags: --docker (force Docker), --port <n> (dashboard port)`);
     console.log(`  ${BOLD}schedule${RESET}   Manage scheduled tasks`);
     console.log(`             Usage: schedule list | run <id> | init | status`);
+    console.log(`  ${BOLD}personal${RESET}   Manage your personal squad (ambient agents)`);
+    console.log(`             Usage: personal init | list | add <name> --role <role> | remove <name>`);
+    console.log(`  ${BOLD}cast${RESET}       Show current session cast (project + personal agents)`);
     console.log(`  ${BOLD}rc${RESET}         Start Remote Control bridge (phone/browser → Copilot)`);
     console.log(`             Usage: rc [--tunnel] [--port <n>] [--path <dir>]`);
     console.log(`  ${BOLD}copilot-bridge${RESET}  Check Copilot ACP stdio compatibility`);
@@ -216,6 +228,7 @@ async function main(): Promise<void> {
     console.log(`  ${BOLD}--help, -h${RESET}     Show help`);
     console.log(`  ${BOLD}--global${RESET}       Use personal (global) squad path (for init, upgrade)`);
     console.log(`  ${BOLD}--economy${RESET}      Activate economy mode for this session (cheaper models)`);
+    console.log(`  ${BOLD}--team-root${RESET}    Override team root path for resolution`);
     console.log(`\nInstallation:`);
     console.log(`  npm install --save-dev @bradygaster/squad-cli`);
     console.log(`\nInsider channel:`);
@@ -571,6 +584,19 @@ async function main(): Promise<void> {
     return;
   }
 
+  if (cmd === 'personal') {
+    const { runPersonal } = await import('./cli/commands/personal.js');
+    const subcommand = args[1] || 'list';
+    await runPersonal(process.cwd(), subcommand, args.slice(2));
+    return;
+  }
+
+  if (cmd === 'cast') {
+    const { runCast } = await import('./cli/commands/cast.js');
+    await runCast(process.cwd());
+    return;
+  }
+
   if (cmd === 'upstream') {
     const { upstreamCommand } = await import('./cli/commands/upstream.js');
     await upstreamCommand(args.slice(1));
diff --git a/packages/squad-cli/src/cli/commands/cast.ts b/packages/squad-cli/src/cli/commands/cast.ts
new file mode 100644
index 000000000..34cd4c134
--- /dev/null
+++ b/packages/squad-cli/src/cli/commands/cast.ts
@@ -0,0 +1,101 @@
+/**
+ * squad cast — show current session cast (project + personal agents merged)
+ *
+ * Displays the merged session cast with project agents and personal agents,
+ * highlighting which agents come from the personal squad.
+ *
+ * @module cli/commands/cast
+ */
+
+import { LocalAgentSource } from '@bradygaster/squad-sdk/config/agent-source';
+import { resolvePersonalAgents, mergeSessionCast } from '@bradygaster/squad-sdk/agents/personal';
+import { resolveSquadPaths } from '@bradygaster/squad-sdk/resolution';
+import { BOLD, RESET, DIM, GREEN, YELLOW } from '../core/output.js';
+import { fatal } from '../core/errors.js';
+
+/**
+ * Run the cast command — show merged session cast.
+ */
+export async function runCast(cwd: string): Promise<void> {
+  // Resolve squad paths
+  const paths = resolveSquadPaths(cwd);
+  if (!paths) {
+    fatal('No squad found. Run "squad init" first.');
+  }
+  
+  // Discover project agents
+  const projectSource = new LocalAgentSource(paths.teamDir);
+  const projectAgents = await projectSource.listAgents();
+  
+  // Discover personal agents
+  const personalAgents = await resolvePersonalAgents();
+  
+  // Merge session cast
+  const cast = mergeSessionCast(projectAgents, personalAgents);
+  
+  if (cast.length === 0) {
+    console.log('\nNo agents found in current session cast.\n');
+    return;
+  }
+  
+  // Count project vs personal
+  const projectCount = projectAgents.length;
+  const personalCount = personalAgents.filter(
+    pa => !projectAgents.some(pra => pra.name.toLowerCase() === pa.name.toLowerCase())
+  ).length;
+  
+  console.log(`\n${BOLD}Session Cast${RESET} (${cast.length} agents):\n`);
+  
+  if (projectCount > 0) {
+    console.log(`  Project agents:  ${projectCount}`);
+  }
+  if (personalCount > 0) {
+    console.log(`  Personal agents: ${personalCount} ${YELLOW}(ambient)${RESET}`);
+  }
+  console.log();
+  
+  // Calculate column widths
+  const maxNameLen = Math.max(...cast.map(a => a.name.length), 4);
+  const maxRoleLen = Math.max(...cast.map(a => a.role.length), 4);
+  
+  // Header
+  console.log(
+    `  ${'Name'.padEnd(maxNameLen)}  ` +
+    `${'Role'.padEnd(maxRoleLen)}  ` +
+    `Origin        Ghost Protocol`
+  );
+  console.log(
+    `  ${'─'.repeat(maxNameLen)}  ` +
+    `${'─'.repeat(maxRoleLen)}  ` +
+    `${'─'.repeat(13)} ${'─'.repeat(14)}`
+  );
+  
+  // Rows
+  for (const agent of cast) {
+    const isPersonal = 'personal' in agent;
+    const nameDisplay = isPersonal
+      ? `👤 ${agent.name}`.padEnd(maxNameLen + 3) // +3 for emoji width
+      : agent.name.padEnd(maxNameLen);
+    
+    const origin = isPersonal ? `${YELLOW}personal${RESET}` : 'project';
+    const originPadded = isPersonal ? origin + ' '.repeat(6) : origin.padEnd(13);
+    
+    const ghostProtocol = isPersonal && agent.personal.ghostProtocol
+      ? `${GREEN}✓ enforced${RESET}`
+      : '–';
+    
+    console.log(
+      `  ${nameDisplay}  ` +
+      `${agent.role.padEnd(maxRoleLen)}  ` +
+      `${originPadded} ${ghostProtocol}`
+    );
+  }
+  
+  console.log();
+  
+  // Legend
+  if (personalCount > 0) {
+    console.log(`${DIM}👤 = Personal agent (ambient, Ghost Protocol enforced in projects)${RESET}`);
+    console.log();
+  }
+}
diff --git a/packages/squad-cli/src/cli/commands/personal.ts b/packages/squad-cli/src/cli/commands/personal.ts
new file mode 100644
index 000000000..d597eca54
--- /dev/null
+++ b/packages/squad-cli/src/cli/commands/personal.ts
@@ -0,0 +1,255 @@
+/**
+ * squad personal — manage personal squad agents (ambient team)
+ *
+ * Subcommands:
+ *   squad personal init          — bootstrap personal squad directory
+ *   squad personal list          — list personal agents
+ *   squad personal add <name>    — add a personal agent
+ *   squad personal remove <name> — remove a personal agent
+ *
+ * @module cli/commands/personal
+ */
+
+import fs from 'node:fs';
+import path from 'node:path';
+import { resolveGlobalSquadPath, resolvePersonalSquadDir } from '@bradygaster/squad-sdk/resolution';
+import { resolvePersonalAgents } from '@bradygaster/squad-sdk/agents/personal';
+import { success, warn, info, BOLD, RESET, DIM } from '../core/output.js';
+import { fatal } from '../core/errors.js';
+
+/**
+ * Entry point for `squad personal` subcommands.
+ */
+export async function runPersonal(cwd: string, subcommand: string, args: string[]): Promise<void> {
+  switch (subcommand) {
+    case 'init':
+      await personalInit();
+      break;
+    case 'list':
+      await personalList();
+      break;
+    case 'add': {
+      const name = args[0];
+      if (!name) {
+        fatal('Usage: squad personal add <name> --role <role>');
+      }
+      const roleIdx = args.indexOf('--role');
+      const role = (roleIdx !== -1 && args[roleIdx + 1]) ? args[roleIdx + 1] : 'agent';
+      await personalAdd(name, role);
+      break;
+    }
+    case 'remove': {
+      const name = args[0];
+      if (!name) {
+        fatal('Usage: squad personal remove <name>');
+      }
+      await personalRemove(name);
+      break;
+    }
+    default:
+      fatal(
+        `Unknown personal subcommand: ${subcommand}\n` +
+        `       Available: init, list, add <name> --role <role>, remove <name>`,
+      );
+  }
+}
+
+// ============================================================================
+// Subcommand: init
+// ============================================================================
+
+async function personalInit(): Promise<void> {
+  const globalDir = resolveGlobalSquadPath();
+  const personalDir = path.join(globalDir, 'personal-squad');
+  
+  if (fs.existsSync(personalDir)) {
+    warn(`Personal squad already initialized at ${personalDir}`);
+    return;
+  }
+  
+  // Create directory structure
+  const agentsDir = path.join(personalDir, 'agents');
+  fs.mkdirSync(agentsDir, { recursive: true });
+  
+  // Create config.json
+  const config = {
+    defaultModel: 'auto',
+    ghostProtocol: true,
+  };
+  const configPath = path.join(personalDir, 'config.json');
+  fs.writeFileSync(configPath, JSON.stringify(config, null, 2) + '\n', 'utf-8');
+  
+  success('Personal squad initialized');
+  info(`  Path: ${personalDir}`);
+  info(`  Add agents with: squad personal add <name> --role <role>`);
+}
+
+// ============================================================================
+// Subcommand: list
+// ============================================================================
+
+async function personalList(): Promise<void> {
+  const personalDir = resolvePersonalSquadDir();
+  
+  if (!personalDir) {
+    info('No personal squad found.');
+    info('  Run `squad personal init` to create your personal squad.');
+    return;
+  }
+  
+  const agents = await resolvePersonalAgents();
+  
+  if (agents.length === 0) {
+    info('No personal agents found.');
+    info(`  Add agents with: squad personal add <name> --role <role>`);
+    return;
+  }
+  
+  console.log(`\n${BOLD}Personal Squad Agents${RESET} (${agents.length}):\n`);
+  
+  // Calculate column widths
+  const maxNameLen = Math.max(...agents.map(a => a.name.length), 4);
+  const maxRoleLen = Math.max(...agents.map(a => a.role.length), 4);
+  
+  // Header
+  console.log(
+    `  ${'Name'.padEnd(maxNameLen)}  ` +
+    `${'Role'.padEnd(maxRoleLen)}  ` +
+    `Charter Path`
+  );
+  console.log(
+    `  ${'─'.repeat(maxNameLen)}  ` +
+    `${'─'.repeat(maxRoleLen)}  ` +
+    `${'─'.repeat(40)}`
+  );
+  
+  // Rows
+  for (const agent of agents) {
+    const charterPath = path.join(agent.personal.sourceDir, 'charter.md');
+    const relativePath = path.relative(process.cwd(), charterPath);
+    console.log(
+      `  ${agent.name.padEnd(maxNameLen)}  ` +
+      `${agent.role.padEnd(maxRoleLen)}  ` +
+      `${DIM}${relativePath}${RESET}`
+    );
+  }
+  
+  console.log();
+}
+
+// ============================================================================
+// Subcommand: add
+// ============================================================================
+
+async function personalAdd(name: string, role: string): Promise<void> {
+  const personalDir = resolvePersonalSquadDir();
+  
+  if (!personalDir) {
+    fatal('Personal squad not initialized. Run `squad personal init` first.');
+  }
+  
+  const agentDir = path.join(personalDir, 'agents', name);
+  
+  if (fs.existsSync(agentDir)) {
+    warn(`Agent '${name}' already exists at ${agentDir}`);
+    return;
+  }
+  
+  // Create agent directory
+  fs.mkdirSync(agentDir, { recursive: true });
+  
+  // Create charter.md
+  const charterContent = generatePersonalCharterTemplate(name, role);
+  const charterPath = path.join(agentDir, 'charter.md');
+  fs.writeFileSync(charterPath, charterContent, 'utf-8');
+  
+  // Create empty history.md
+  const historyPath = path.join(agentDir, 'history.md');
+  fs.writeFileSync(historyPath, '# History\n\n<!-- Agent activity log -->\n', 'utf-8');
+  
+  success(`Added personal agent: ${name}`);
+  info(`  Role: ${role}`);
+  info(`  Charter: ${charterPath}`);
+  info(`  Edit the charter to customize this agent's behavior.`);
+}
+
+// ============================================================================
+// Subcommand: remove
+// ============================================================================
+
+async function personalRemove(name: string): Promise<void> {
+  const personalDir = resolvePersonalSquadDir();
+  
+  if (!personalDir) {
+    fatal('Personal squad not initialized. Run `squad personal init` first.');
+  }
+  
+  const agentDir = path.join(personalDir, 'agents', name);
+  
+  if (!fs.existsSync(agentDir)) {
+    fatal(`Agent '${name}' not found in personal squad`);
+  }
+  
+  // Remove agent directory recursively
+  fs.rmSync(agentDir, { recursive: true, force: true });
+  
+  success(`Removed personal agent: ${name}`);
+}
+
+// ============================================================================
+// Helpers
+// ============================================================================
+
+/**
+ * Generate a personal agent charter template.
+ * Note: PR #3 will add a proper personal-charter.md template to templates/.
+ * For now, we use a simplified inline template.
+ */
+function generatePersonalCharterTemplate(name: string, role: string): string {
+  return `# ${name} — ${role}
+
+> Your one-line personality statement — what makes you tick
+
+## Identity
+
+- **Name:** ${name}
+- **Role:** ${role}
+- **Expertise:** [Your 2-3 specific skills]
+- **Style:** [How you communicate — direct? thorough? opinionated?]
+
+## What I Own
+
+- [Area of responsibility 1]
+- [Area of responsibility 2]
+- [Area of responsibility 3]
+
+## How I Work
+
+- [Key approach or principle 1]
+- [Key approach or principle 2]
+- [Pattern or convention I follow]
+
+## Boundaries
+
+**I handle:** [types of work this agent does]
+
+**I don't handle:** [types of work that belong to other team members]
+
+**When I'm unsure:** I say so and suggest who might know.
+
+## Model
+
+- **Preferred:** auto
+- **Rationale:** Coordinator selects the best model based on task type
+
+## Collaboration
+
+This is a personal agent — you're ambient across all projects.
+Ghost protocol is enforced in project contexts (observe, suggest, never modify).
+
+## Voice
+
+[1-2 sentences describing personality. Be specific — you have opinions,
+preferences, and a style that's distinctly yours.]
+`;
+}
diff --git a/packages/squad-sdk/package.json b/packages/squad-sdk/package.json
index 5fc8902e3..87f8b5318 100644
--- a/packages/squad-sdk/package.json
+++ b/packages/squad-sdk/package.json
@@ -30,6 +30,10 @@
       "types": "./dist/agents/index.d.ts",
       "import": "./dist/agents/index.js"
     },
+    "./agents/personal": {
+      "types": "./dist/agents/personal.d.ts",
+      "import": "./dist/agents/personal.js"
+    },
     "./adapter": {
       "types": "./dist/adapter/types.d.ts",
       "import": "./dist/adapter/types.js"
diff --git a/packages/squad-sdk/src/agents/index.ts b/packages/squad-sdk/src/agents/index.ts
index e6f8f3e5f..ff14e4e09 100644
--- a/packages/squad-sdk/src/agents/index.ts
+++ b/packages/squad-sdk/src/agents/index.ts
@@ -71,6 +71,14 @@ export {
   type OnboardResult,
 } from './onboarding.js';
 
+// --- Personal Squad Agents ---
+export {
+  resolvePersonalAgents,
+  mergeSessionCast,
+  type PersonalAgentMeta,
+  type PersonalAgentManifest,
+} from './personal.js';
+
 // --- Charter Types ---
 
 export interface AgentCharter {
diff --git a/packages/squad-sdk/src/agents/personal.ts b/packages/squad-sdk/src/agents/personal.ts
new file mode 100644
index 000000000..e200f4974
--- /dev/null
+++ b/packages/squad-sdk/src/agents/personal.ts
@@ -0,0 +1,96 @@
+/**
+ * Personal Squad Agent Resolution
+ * 
+ * Discovers and merges personal agents from the user's personal squad directory
+ * into project session casts. Personal agents are ambient — they're automatically
+ * available in all project contexts with ghost protocol enforced.
+ * 
+ * @module agents/personal
+ */
+
+import fs from 'node:fs';
+import path from 'node:path';
+import { resolvePersonalSquadDir } from '../resolution.js';
+import { AgentManifest } from '../config/agent-source.js';
+
+/** Metadata tag for personal agents in a session cast */
+export interface PersonalAgentMeta {
+  /** Always 'personal' for personal squad agents */
+  origin: 'personal';
+  /** Absolute path to the personal agent's directory */
+  sourceDir: string;
+  /** Whether ghost protocol is enforced (always true in project context) */
+  ghostProtocol: boolean;
+}
+
+/** A project agent manifest augmented with personal origin info */
+export type PersonalAgentManifest = AgentManifest & {
+  personal: PersonalAgentMeta;
+};
+
+/**
+ * Discover personal agents from the user's personal squad directory.
+ * Returns empty array if personal squad is disabled or doesn't exist.
+ */
+export async function resolvePersonalAgents(): Promise<PersonalAgentManifest[]> {
+  const personalDir = resolvePersonalSquadDir();
+  if (!personalDir) return [];
+  
+  const agentsDir = path.join(personalDir, 'agents');
+  if (!fs.existsSync(agentsDir)) return [];
+  
+  const entries = await fs.promises.readdir(agentsDir, { withFileTypes: true });
+  const agents: PersonalAgentManifest[] = [];
+  
+  for (const entry of entries) {
+    if (!entry.isDirectory()) continue;
+    
+    const charterPath = path.join(agentsDir, entry.name, 'charter.md');
+    if (!fs.existsSync(charterPath)) continue;
+    
+    const charterContent = await fs.promises.readFile(charterPath, 'utf-8');
+    const meta = parseCharterMetadataBasic(charterContent);
+    
+    agents.push({
+      name: entry.name,
+      role: meta.role || 'personal',
+      source: 'personal',
+      personal: {
+        origin: 'personal',
+        sourceDir: path.join(agentsDir, entry.name),
+        ghostProtocol: true,
+      },
+    });
+  }
+  
+  return agents;
+}
+
+/** Basic charter metadata parser for personal agents */
+function parseCharterMetadataBasic(content: string): { role?: string; name?: string } {
+  const roleMatch = content.match(/\*\*Role:\*\*\s*(.+)/);
+  const nameMatch = content.match(/\*\*Name:\*\*\s*(.+)/);
+  return {
+    role: roleMatch?.[1]?.trim(),
+    name: nameMatch?.[1]?.trim(),
+  };
+}
+
+/**
+ * Merge personal agents into a project session cast.
+ * Personal agents are tagged with origin: 'personal' and ghost protocol is enforced.
+ * Duplicate names: project agents take precedence over personal agents.
+ */
+export function mergeSessionCast(
+  projectAgents: AgentManifest[],
+  personalAgents: PersonalAgentManifest[]
+): (AgentManifest | PersonalAgentManifest)[] {
+  const projectNames = new Set(projectAgents.map(a => a.name.toLowerCase()));
+  
+  // Filter out personal agents that conflict with project agent names
+  const uniquePersonal = personalAgents.filter(
+    a => !projectNames.has(a.name.toLowerCase())
+  );
+  
+  return [...projectAgents, ...uniquePersonal];
+}
diff --git a/packages/squad-sdk/src/index.ts b/packages/squad-sdk/src/index.ts
index 903c56885..dfac014fb 100644
--- a/packages/squad-sdk/src/index.ts
+++ b/packages/squad-sdk/src/index.ts
@@ -10,10 +10,12 @@ const pkg = require('../package.json');
 export const VERSION: string = pkg.version;
 
 // Export public API
-export { resolveSquad, resolveGlobalSquadPath, ensureSquadPath, loadDirConfig, isConsultMode } from './resolution.js';
+export { resolveSquad, resolveGlobalSquadPath, resolvePersonalSquadDir, ensureSquadPath, ensureSquadPathTriple, loadDirConfig, isConsultMode } from './resolution.js';
 export type { SquadDirConfig, ResolvedSquadPaths } from './resolution.js';
 export * from './config/index.js';
 export * from './agents/onboarding.js';
+export { resolvePersonalAgents, mergeSessionCast } from './agents/personal.js';
+export type { PersonalAgentMeta, PersonalAgentManifest } from './agents/personal.js';
 export * from './casting/index.js';
 export * from './skills/index.js';
 export { selectResponseTier, getTier } from './coordinator/response-tiers.js';
diff --git a/packages/squad-sdk/src/resolution.ts b/packages/squad-sdk/src/resolution.ts
index cbc3acefe..fe45a8bfd 100644
--- a/packages/squad-sdk/src/resolution.ts
+++ b/packages/squad-sdk/src/resolution.ts
@@ -47,6 +47,8 @@ export interface ResolvedSquadPaths {
   projectDir: string;
   /** Team identity root (agents, casting, skills) */
   teamDir: string;
+  /** User's personal squad dir, null if not found or disabled */
+  personalDir: string | null;
   config: SquadDirConfig | null;
   name: '.squad' | '.ai-team';
   isLegacy: boolean;
@@ -199,6 +201,7 @@ export function resolveSquadPaths(startDir?: string): ResolvedSquadPaths | null
       mode: 'remote',
       projectDir,
       teamDir,
+      personalDir: resolvePersonalSquadDir(),
       config,
       name,
       isLegacy,
@@ -210,6 +213,7 @@ export function resolveSquadPaths(startDir?: string): ResolvedSquadPaths | null
     mode: 'local',
     projectDir,
     teamDir: projectDir,
+    personalDir: resolvePersonalSquadDir(),
     config,
     name,
     isLegacy,
@@ -254,6 +258,25 @@ export function resolveGlobalSquadPath(): string {
   return globalDir;
 }
 
+/**
+ * Resolves the user's personal squad directory.
+ * Returns null if SQUAD_NO_PERSONAL is set or directory doesn't exist.
+ * 
+ * Platform paths:
+ * - Windows: %APPDATA%/squad/personal-squad
+ * - macOS: ~/Library/Application Support/squad/personal-squad
+ * - Linux: $XDG_CONFIG_HOME/squad/personal-squad or ~/.config/squad/personal-squad
+ */
+export function resolvePersonalSquadDir(): string | null {
+  if (process.env['SQUAD_NO_PERSONAL']) return null;
+  
+  const globalDir = resolveGlobalSquadPath();
+  const personalDir = path.join(globalDir, 'personal-squad');
+  
+  if (!fs.existsSync(personalDir)) return null;
+  return personalDir;
+}
+
 /**
  * Validate that a file path is within `.squad/` or the system temp directory.
  *
@@ -323,6 +346,33 @@ export function ensureSquadPathDual(filePath: string, projectDir: string, teamDi
   );
 }
 
+/**
+ * Validates a file path is inside one of three allowed directories:
+ * projectDir, teamDir, personalDir, or system temp.
+ * Extends ensureSquadPathDual() for triple-root (project + team + personal).
+ */
+export function ensureSquadPathTriple(
+  filePath: string,
+  projectDir: string,
+  teamDir: string,
+  personalDir: string | null
+): string {
+  const resolved = path.resolve(filePath);
+  const tmpDir = os.tmpdir();
+  
+  const allowed = [projectDir, teamDir, personalDir, tmpDir].filter(Boolean) as string[];
+  
+  for (const dir of allowed) {
+    if (resolved.startsWith(path.resolve(dir) + path.sep) || resolved === path.resolve(dir)) {
+      return resolved;
+    }
+  }
+  
+  throw new Error(
+    `Path "${resolved}" is outside all allowed directories: ${allowed.join(', ')}`
+  );
+}
+
 /**
  * ensureSquadPath that works with resolved dual-root paths.
  * Convenience wrapper around ensureSquadPathDual.