diff --git a/src/tools/finance/api.ts b/src/tools/finance/api.ts
index b992e3d2..131da445 100644
--- a/src/tools/finance/api.ts
+++ b/src/tools/finance/api.ts
@@ -11,7 +11,7 @@ export interface ApiResponse {
 export async function callApi(
   endpoint: string,
   params: Record<string, string | number | string[] | undefined>,
-  options?: { cacheable?: boolean }
+  options?: { cacheable?: boolean; cacheTtlMs?: number }
 ): Promise<ApiResponse> {
   const label = describeRequest(endpoint, params);
 
@@ -70,7 +70,7 @@ export async function callApi(
 
   // Persist for future requests when the caller marked the response as cacheable
   if (options?.cacheable) {
-    writeCache(endpoint, params, data, url.toString());
+    writeCache(endpoint, params, data, url.toString(), options.cacheTtlMs);
   }
 
   return { data, url: url.toString() };
diff --git a/src/tools/finance/company_facts.ts b/src/tools/finance/company_facts.ts
index d807ca5c..8b077158 100644
--- a/src/tools/finance/company_facts.ts
+++ b/src/tools/finance/company_facts.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_MONTHLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const CompanyFactsInputSchema = z.object({
@@ -14,7 +15,7 @@ export const getCompanyFacts = new DynamicStructuredTool({
   description: `Retrieves company facts and metadata for a given ticker, including sector, industry, market cap, number of employees, listing date, exchange, location, weighted average shares,  website. Useful for getting an overview of a company's profile and basic information.`,
   schema: CompanyFactsInputSchema,
   func: async (input) => {
-    const { data, url } = await callApi('/company/facts', { ticker: input.ticker });
+    const { data, url } = await callApi('/company/facts', { ticker: input.ticker }, { cacheable: true, cacheTtlMs: CACHE_TTL_MONTHLY });
     return formatToolResult(data.company_facts || {}, [url]);
   },
 });
diff --git a/src/tools/finance/crypto.ts b/src/tools/finance/crypto.ts
index 3bc3d8be..ec87c822 100644
--- a/src/tools/finance/crypto.ts
+++ b/src/tools/finance/crypto.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_WEEKLY, CACHE_TTL_QUARTERLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const CryptoPriceSnapshotInputSchema = z.object({
@@ -17,7 +18,7 @@ export const getCryptoPriceSnapshot = new DynamicStructuredTool({
   schema: CryptoPriceSnapshotInputSchema,
   func: async (input) => {
     const params = { ticker: input.ticker };
-    const { data, url } = await callApi('/crypto/prices/snapshot/', params);
+    const { data, url } = await callApi('/crypto/prices/snapshot/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_WEEKLY });
     return formatToolResult(data.snapshot || {}, [url]);
   },
 });
@@ -56,7 +57,7 @@ export const getCryptoPrices = new DynamicStructuredTool({
     const endDate = new Date(input.end_date + 'T00:00:00');
     const today = new Date();
     today.setHours(0, 0, 0, 0);
-    const { data, url } = await callApi('/crypto/prices/', params, { cacheable: endDate < today });
+    const { data, url } = await callApi('/crypto/prices/', params, { cacheable: endDate < today, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.prices || [], [url]);
   },
 });
diff --git a/src/tools/finance/estimates.ts b/src/tools/finance/estimates.ts
index 780355ba..fe171493 100644
--- a/src/tools/finance/estimates.ts
+++ b/src/tools/finance/estimates.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_MONTHLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const AnalystEstimatesInputSchema = z.object({
@@ -24,7 +25,7 @@ export const getAnalystEstimates = new DynamicStructuredTool({
       ticker: input.ticker,
       period: input.period,
     };
-    const { data, url } = await callApi('/analyst-estimates/', params);
+    const { data, url } = await callApi('/analyst-estimates/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_MONTHLY });
     return formatToolResult(data.analyst_estimates || [], [url]);
   },
 });
diff --git a/src/tools/finance/filings.ts b/src/tools/finance/filings.ts
index 29493b1a..a6401390 100644
--- a/src/tools/finance/filings.ts
+++ b/src/tools/finance/filings.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_QUARTERLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 // Types for filing item metadata
@@ -63,7 +64,7 @@ export const getFilings = new DynamicStructuredTool({
       limit: input.limit,
       filing_type: input.filing_type,
     };
-    const { data, url } = await callApi('/filings/', params);
+    const { data, url } = await callApi('/filings/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.filings || [], [url]);
   },
 });
@@ -95,7 +96,7 @@ export const get10KFilingItems = new DynamicStructuredTool({
       item: input.items, // API expects 'item' not 'items'
     };
     // SEC filings are legally immutable once filed
-    const { data, url } = await callApi('/filings/items/', params, { cacheable: true });
+    const { data, url } = await callApi('/filings/items/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data, [url]);
   },
 });
@@ -127,7 +128,7 @@ export const get10QFilingItems = new DynamicStructuredTool({
       item: input.items, // API expects 'item' not 'items'
     };
     // SEC filings are legally immutable once filed
-    const { data, url } = await callApi('/filings/items/', params, { cacheable: true });
+    const { data, url } = await callApi('/filings/items/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data, [url]);
   },
 });
@@ -152,7 +153,7 @@ export const get8KFilingItems = new DynamicStructuredTool({
       accession_number: input.accession_number,
     };
     // SEC filings are legally immutable once filed
-    const { data, url } = await callApi('/filings/items/', params, { cacheable: true });
+    const { data, url } = await callApi('/filings/items/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data, [url]);
   },
 });
diff --git a/src/tools/finance/fundamentals.ts b/src/tools/finance/fundamentals.ts
index f698433a..e6918422 100644
--- a/src/tools/finance/fundamentals.ts
+++ b/src/tools/finance/fundamentals.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_QUARTERLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const FinancialStatementsInputSchema = z.object({
@@ -60,7 +61,7 @@ export const getIncomeStatements = new DynamicStructuredTool({
   schema: FinancialStatementsInputSchema,
   func: async (input) => {
     const params = createParams(input);
-    const { data, url } = await callApi('/financials/income-statements/', params);
+    const { data, url } = await callApi('/financials/income-statements/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.income_statements || {}, [url]);
   },
 });
@@ -71,7 +72,7 @@ export const getBalanceSheets = new DynamicStructuredTool({
   schema: FinancialStatementsInputSchema,
   func: async (input) => {
     const params = createParams(input);
-    const { data, url } = await callApi('/financials/balance-sheets/', params);
+    const { data, url } = await callApi('/financials/balance-sheets/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.balance_sheets || {}, [url]);
   },
 });
@@ -82,7 +83,7 @@ export const getCashFlowStatements = new DynamicStructuredTool({
   schema: FinancialStatementsInputSchema,
   func: async (input) => {
     const params = createParams(input);
-    const { data, url } = await callApi('/financials/cash-flow-statements/', params);
+    const { data, url } = await callApi('/financials/cash-flow-statements/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.cash_flow_statements || {}, [url]);
   },
 });
@@ -93,7 +94,7 @@ export const getAllFinancialStatements = new DynamicStructuredTool({
   schema: FinancialStatementsInputSchema,
   func: async (input) => {
     const params = createParams(input);
-    const { data, url } = await callApi('/financials/', params);
+    const { data, url } = await callApi('/financials/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.financials || {}, [url]);
   },
 });
diff --git a/src/tools/finance/insider_trades.ts b/src/tools/finance/insider_trades.ts
index 9f1ae13d..6b5c7727 100644
--- a/src/tools/finance/insider_trades.ts
+++ b/src/tools/finance/insider_trades.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_QUARTERLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const InsiderTradesInputSchema = z.object({
@@ -47,7 +48,7 @@ export const getInsiderTrades = new DynamicStructuredTool({
       filing_date_gt: input.filing_date_gt,
       filing_date_lt: input.filing_date_lt,
     };
-    const { data, url } = await callApi('/insider-trades/', params);
+    const { data, url } = await callApi('/insider-trades/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.insider_trades || [], [url]);
   },
 });
diff --git a/src/tools/finance/key-ratios.ts b/src/tools/finance/key-ratios.ts
index 0cbeae4a..f22184e7 100644
--- a/src/tools/finance/key-ratios.ts
+++ b/src/tools/finance/key-ratios.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_WEEKLY, CACHE_TTL_QUARTERLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const KeyRatiosSnapshotInputSchema = z.object({
@@ -17,7 +18,7 @@ export const getKeyRatiosSnapshot = new DynamicStructuredTool({
   schema: KeyRatiosSnapshotInputSchema,
   func: async (input) => {
     const params = { ticker: input.ticker };
-    const { data, url } = await callApi('/financial-metrics/snapshot/', params);
+    const { data, url } = await callApi('/financial-metrics/snapshot/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_WEEKLY });
     return formatToolResult(data.snapshot || {}, [url]);
   },
 });
@@ -79,7 +80,7 @@ export const getKeyRatios = new DynamicStructuredTool({
       report_period_lt: input.report_period_lt,
       report_period_lte: input.report_period_lte,
     };
-    const { data, url } = await callApi('/financial-metrics/', params);
+    const { data, url } = await callApi('/financial-metrics/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.financial_metrics || [], [url]);
   },
 });
diff --git a/src/tools/finance/news.ts b/src/tools/finance/news.ts
index a3acfae6..1ef3fd69 100644
--- a/src/tools/finance/news.ts
+++ b/src/tools/finance/news.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_WEEKLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const NewsInputSchema = z.object({
@@ -29,7 +30,7 @@ export const getNews = new DynamicStructuredTool({
       start_date: input.start_date,
       end_date: input.end_date,
     };
-    const { data, url } = await callApi('/news/', params);
+    const { data, url } = await callApi('/news/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_WEEKLY });
     return formatToolResult(data.news || [], [url]);
   },
 });
diff --git a/src/tools/finance/prices.ts b/src/tools/finance/prices.ts
index 07cda6c2..4be809f7 100644
--- a/src/tools/finance/prices.ts
+++ b/src/tools/finance/prices.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_WEEKLY, CACHE_TTL_QUARTERLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const PriceSnapshotInputSchema = z.object({
@@ -17,7 +18,7 @@ export const getPriceSnapshot = new DynamicStructuredTool({
   schema: PriceSnapshotInputSchema,
   func: async (input) => {
     const params = { ticker: input.ticker };
-    const { data, url } = await callApi('/prices/snapshot/', params);
+    const { data, url } = await callApi('/prices/snapshot/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_WEEKLY });
     return formatToolResult(data.snapshot || {}, [url]);
   },
 });
@@ -56,7 +57,7 @@ export const getPrices = new DynamicStructuredTool({
     const endDate = new Date(input.end_date + 'T00:00:00');
     const today = new Date();
     today.setHours(0, 0, 0, 0);
-    const { data, url } = await callApi('/prices/', params, { cacheable: endDate < today });
+    const { data, url } = await callApi('/prices/', params, { cacheable: endDate < today, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.prices || [], [url]);
   },
 });
diff --git a/src/tools/finance/segments.ts b/src/tools/finance/segments.ts
index d9c3d437..8405fc6d 100644
--- a/src/tools/finance/segments.ts
+++ b/src/tools/finance/segments.ts
@@ -1,6 +1,7 @@
 import { DynamicStructuredTool } from '@langchain/core/tools';
 import { z } from 'zod';
 import { callApi } from './api.js';
+import { CACHE_TTL_QUARTERLY } from '../../utils/cache.js';
 import { formatToolResult } from '../types.js';
 
 const SegmentedRevenuesInputSchema = z.object({
@@ -27,7 +28,7 @@ export const getSegmentedRevenues = new DynamicStructuredTool({
       period: input.period,
       limit: input.limit,
     };
-    const { data, url } = await callApi('/financials/segmented-revenues/', params);
+    const { data, url } = await callApi('/financials/segmented-revenues/', params, { cacheable: true, cacheTtlMs: CACHE_TTL_QUARTERLY });
     return formatToolResult(data.segmented_revenues || {}, [url]);
   },
 });
diff --git a/src/utils/cache.test.ts b/src/utils/cache.test.ts
index 3177d391..16a1ba30 100644
--- a/src/utils/cache.test.ts
+++ b/src/utils/cache.test.ts
@@ -1,7 +1,7 @@
 import { describe, test, expect, beforeEach, afterEach } from 'bun:test';
-import { existsSync, mkdirSync, writeFileSync, rmSync } from 'fs';
+import { existsSync, mkdirSync, readFileSync, writeFileSync, rmSync } from 'fs';
 import { join } from 'path';
-import { buildCacheKey, readCache, writeCache } from './cache.js';
+import { buildCacheKey, readCache, writeCache, CACHE_TTL_WEEKLY, CACHE_TTL_MONTHLY, CACHE_TTL_QUARTERLY } from './cache.js';
 
 const TEST_CACHE_DIR = '.dexter/cache';
 
@@ -107,4 +107,84 @@ describe('readCache / writeCache', () => {
     expect(cached).toBeNull();
     expect(existsSync(filepath)).toBe(false);
   });
+
+  test('respects per-entry quarterly TTL — fresh entry is returned', () => {
+    const endpoint = '/financials/income-statements/';
+    const params = { ticker: 'AAPL', period: 'annual', limit: 5 };
+    const data = { income_statements: [{ revenue: 400_000_000_000 }] };
+    const url = 'https://api.financialdatasets.ai/financials/income-statements/?ticker=AAPL';
+
+    writeCache(endpoint, params, data, url, CACHE_TTL_QUARTERLY);
+    const cached = readCache(endpoint, params);
+
+    expect(cached).not.toBeNull();
+    expect(cached!.data).toEqual(data);
+  });
+
+  test('quarterly TTL entry survives past the default weekly window', () => {
+    const endpoint = '/institutional-ownership/';
+    const params = { ticker: 'AAPL', limit: 10 };
+    const data = { 'institutional-ownership': [{ investor: 'Vanguard', shares: 1_000_000 }] };
+    const url = 'https://api.financialdatasets.ai/institutional-ownership/?ticker=AAPL';
+
+    // Write the entry, then manually backdate it to 30 days ago
+    writeCache(endpoint, params, data, url, CACHE_TTL_QUARTERLY);
+
+    const key = buildCacheKey(endpoint, params);
+    const filepath = join(TEST_CACHE_DIR, key);
+    const raw = JSON.parse(readFileSync(filepath, 'utf-8'));
+    raw.cachedAt = new Date(Date.now() - 30 * 24 * 60 * 60 * 1000).toISOString();
+    writeFileSync(filepath, JSON.stringify(raw, null, 2));
+
+    // Should still be valid — 30 days < 90 day TTL
+    const cached = readCache(endpoint, params);
+    expect(cached).not.toBeNull();
+    expect(cached!.data).toEqual(data);
+  });
+
+  test('quarterly TTL entry expires after 90 days', () => {
+    const endpoint = '/institutional-ownership/';
+    const params = { ticker: 'MSFT', limit: 10 };
+    const data = { 'institutional-ownership': [{ investor: 'BlackRock', shares: 500_000 }] };
+    const url = 'https://api.financialdatasets.ai/institutional-ownership/?ticker=MSFT';
+
+    writeCache(endpoint, params, data, url, CACHE_TTL_QUARTERLY);
+
+    const key = buildCacheKey(endpoint, params);
+    const filepath = join(TEST_CACHE_DIR, key);
+    const raw = JSON.parse(readFileSync(filepath, 'utf-8'));
+    raw.cachedAt = new Date(Date.now() - 91 * 24 * 60 * 60 * 1000).toISOString();
+    writeFileSync(filepath, JSON.stringify(raw, null, 2));
+
+    // Should be expired — 91 days > 90 day TTL
+    const cached = readCache(endpoint, params);
+    expect(cached).toBeNull();
+    expect(existsSync(filepath)).toBe(false);
+  });
+
+  test('entry without ttlMs falls back to default weekly TTL', () => {
+    const endpoint = '/prices/snapshot/';
+    const params = { ticker: 'AAPL' };
+    const data = { snapshot: { price: 195.5 } };
+    const url = 'https://api.financialdatasets.ai/prices/snapshot/?ticker=AAPL';
+
+    // Write without ttlMs (legacy behavior)
+    writeCache(endpoint, params, data, url);
+
+    const key = buildCacheKey(endpoint, params);
+    const filepath = join(TEST_CACHE_DIR, key);
+    const raw = JSON.parse(readFileSync(filepath, 'utf-8'));
+    // Backdate to 8 days ago — past the weekly default
+    raw.cachedAt = new Date(Date.now() - 8 * 24 * 60 * 60 * 1000).toISOString();
+    writeFileSync(filepath, JSON.stringify(raw, null, 2));
+
+    const cached = readCache(endpoint, params);
+    expect(cached).toBeNull();
+  });
+
+  test('TTL constants have correct values', () => {
+    expect(CACHE_TTL_WEEKLY).toBe(7 * 24 * 60 * 60 * 1000);
+    expect(CACHE_TTL_MONTHLY).toBe(30 * 24 * 60 * 60 * 1000);
+    expect(CACHE_TTL_QUARTERLY).toBe(90 * 24 * 60 * 60 * 1000);
+  });
 });
diff --git a/src/utils/cache.ts b/src/utils/cache.ts
index 1b104689..8e1132ea 100644
--- a/src/utils/cache.ts
+++ b/src/utils/cache.ts
@@ -26,10 +26,27 @@ interface CacheEntry {
   data: Record<string, unknown>;
   url: string;
   cachedAt: string;
+  ttlMs?: number;
 }
 
 const CACHE_DIR = '.dexter/cache';
 
+// ============================================================================
+// TTL constants — aligned to data release cadence
+// ============================================================================
+
+/** 7 days — real-time-ish data: price snapshots, news, crypto snapshots */
+export const CACHE_TTL_WEEKLY = 7 * 24 * 60 * 60 * 1000;
+
+/** 30 days — periodically updated: analyst estimates, company facts */
+export const CACHE_TTL_MONTHLY = 30 * 24 * 60 * 60 * 1000;
+
+/** 90 days — quarterly/immutable: financial statements, SEC filings, insider trades, historical prices */
+export const CACHE_TTL_QUARTERLY = 90 * 24 * 60 * 60 * 1000;
+
+/** Default TTL for entries that don't specify one (backward compat) */
+const CACHE_TTL_DEFAULT = CACHE_TTL_WEEKLY;
+
 // ============================================================================
 // Helpers
 // ============================================================================
@@ -148,6 +165,15 @@ export function readCache(
       return null;
     }
 
+    // Check TTL — use per-entry TTL if stored, otherwise fall back to default
+    const ttl = parsed.ttlMs ?? CACHE_TTL_DEFAULT;
+    const age = Date.now() - new Date(parsed.cachedAt).getTime();
+    if (age > ttl) {
+      logger.warn(`Cache expired (${Math.round(age / 86400000)}d old, ttl ${Math.round(ttl / 86400000)}d): ${label}`, { filepath });
+      removeCacheFile(filepath);
+      return null;
+    }
+
     return { data: parsed.data, url: parsed.url };
   } catch (error) {
     const message = error instanceof Error ? error.message : String(error);
@@ -167,7 +193,8 @@ export function writeCache(
   endpoint: string,
   params: Record<string, string | number | string[] | undefined>,
   data: Record<string, unknown>,
-  url: string
+  url: string,
+  ttlMs?: number
 ): void {
   const cacheKey = buildCacheKey(endpoint, params);
   const filepath = join(CACHE_DIR, cacheKey);
@@ -179,6 +206,7 @@ export function writeCache(
     data,
     url,
     cachedAt: new Date().toISOString(),
+    ...(ttlMs !== undefined ? { ttlMs } : {}),
   };
 
   try {