不训练即可个性化理解用户概念，靠检索与推理实现精准识别。

Vision Language Models (VLMs) have lead to major improvements in multimodal reasoning, yet they still struggle to understand user-specific concepts. Existing personalization methods address this limitation but heavily rely on training procedures, that can be either costly or unpleasant to individual users. We depart from existing work, and for the first time explore the training-free setting in the context of personalization. We propose a novel method, Retrieval and Reasoning for Personalization (R2P), leveraging internal knowledge of VLMs. First, we leverage VLMs to extract the concept fingerprint, i.e., key attributes uniquely defining the concept within its semantic class. When a query arrives, the most similar fingerprints are retrieved and scored via chain-of-thought-reasoning. To reduce the risk of hallucinations, the scores are validated through cross-modal verification at the attribute level: in case of a discrepancy between the scores, R2P refines the concept association via pairwise multimodal matching, where the retrieved fingerprints and their images are directly compared with the query. We validate R2P on two publicly available benchmarks and a newly introduced dataset, Personal Concepts with Visual Ambiguity (PerVA), for concept identification highlighting challenges in visual ambiguity. R2P consistently outperforms state-of-the-art approaches on various downstream tasks across all benchmarks. Code will be available upon acceptance.