Misinformation spreading over the Internet poses a significant threat to both societies and individuals, necessitating robust and scalable fact-checking that relies on retrieving accurate and trustworthy evidence. Previous methods rely on semantic and social-contextual patterns learned from training data, which limits their generalization to new data distributions. Recently, Retrieval Augmented Generation (RAG) based methods have been proposed to utilize the reasoning capability of LLMs with retrieved grounding evidence documents. However, these methods largely rely on textual similarity for evidence retrieval and struggle to retrieve evidence that captures multi-hop semantic relations within rich document contents. These limitations lead to overlooking subtle factual correlations between the evidence and the claims to be fact-checked during evidence retrieval, thus causing inaccurate veracity predictions.

Most recommendation benchmarks evaluate how well a model imitates user behavior. In financial advisory, however, observed actions can be noisy or short-sighted under market volatility and may conflict with a user's long-term goals. Treating what users chose as the sole ground truth, therefore, conflates behavioral imitation with decision quality. We introduce Conv-FinRe, a conversational and longitudinal benchmark for stock recommendation that evaluates LLMs beyond behavior matching. Given an onboarding interview, step-wise market context, and advisory dialogues, models must generate rankings over a fixed investment horizon. Crucially, Conv-FinRe provides multi-view references that distinguish descriptive behavior from normative utility grounded in investor-specific risk preferences, enabling diagnosis of whether an LLM follows rational analysis, mimics user noise, or is driven by market momentum. We build the benchmark from real market data and human decision trajectories, instantiate controlled advisory conversations, and evaluate a suite of state-of-the-art LLMs. Results reveal a persistent tension between rational decision quality and behavioral alignment: models that perform well on utility-based ranking often fail to match user choices, whereas behaviorally aligned models can overfit short-term noise. The dataset is publicly released on Hugging Face. https://huggingface.co/collections/TheFinAI/conv-finre, and the codebase is available on GitHub. https://github.com/The-FinAI/Conv-FinRe.