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Award-Winning Exam FM - Financial Mathematics Tutors

Kevin

Certified Tutor

7+ years

Kevin

Bachelor of Science
Kevin's other Tutor Subjects
AP Statistics
AP Calculus BC
AP Calculus AB
Statistics Graduate Level

I am interested in working for Varsity Tutors because I enjoy helping others learn new concepts and progress in whatever they are struggling with. I have significant experience tutoring with a variety of age levels and would be delighted to have an opportunity to work with students through this oppo...

Education

Stanford University

Bachelor of Science

Test Scores
SAT
1560
ACT
35
Noah

Certified Tutor

9+ years

Noah

Current Undergrad Student, Actuarial Science
Noah's other Tutor Subjects
AP Statistics
AP Calculus BC
AP Calculus AB
Pre-Algebra

I am Noah and I'm an actuarial science major at Illinois State University. I'm pretty good at math and science. I also have experience teaching English abroad.

Education

Illinois State University

Current Undergrad Student, Actuarial Science

Test Scores
ACT
33
Josh

Certified Tutor

6+ years

Josh

Bachelor in Business Administration, Actuarial Science
Josh's other Tutor Subjects
Pre-Algebra
Calculus
Algebra
ACT Math
Education

University of Wisconsin Madison

Bachelor in Business Administration, Actuarial Science

Test Scores
ACT
34
Kate

Certified Tutor

Kate

Masters, Environmental Engineering
Kate's other Tutor Subjects
AP Calculus BC
AP Calculus AB
College Algebra
Pre-Calculus

I'm available to tutor biology, chemistry, physics, math from Algebra up through AP Calculus, SAT test prep, and French. I've been tutoring students in science and math for 7 years. I also spent 8 months working and studying in France, and have tutored high school and adult students in French. When ...

Education

Massachusetts Institute of Technology

Masters, Environmental Engineering

Massachusetts Institute of Technology

Bachelors

Test Scores
SAT
1580
Jai

Certified Tutor

9+ years

Jai

Bachelors in Electrical Engineering and Computer Science
Jai's other Tutor Subjects
Calculus
Algebra
Electrical Engineering
ACT Writing

I'm a recent Stanford graduate (Electrical Engineering and Computer Science), and have been working at a major Management Consulting firm for a few years now. I personally scored a 2360 (out of 2400) on the SAT and 35 on the ACT and was successful in gaining admission to several top universities. I'...

Education

Stanford University

Bachelors in Electrical Engineering and Computer Science

Test Scores
SAT
1590
ACT
35
Jessica

Certified Tutor

Jessica

PHD, Medicine
Jessica's other Tutor Subjects
College Algebra
Calculus
Algebra
Honors Chemistry

I am a licensed physician from Florida who is currently changing careers. I graduated from the University of Pennsylvania in 2009 and have extensive tutoring and editing experience. While a student, I became a certified writing tutor through the Critical Writing Department. Since I completed my writ...

Education

Nova Southeastern University

PHD, Medicine

University of Pennsylvania

Bachelors, History

University of Pennsylvania

undergraduate

Test Scores
SAT
1540
Rhea

Certified Tutor

6+ years

Rhea

Bachelor of Science, Biology, General
Rhea's other Tutor Subjects
AP Statistics
AP Calculus BC
AP Calculus AB
Pre-Algebra

I am a current student at the University of Chicago. I am working towards a Bachelor of Science in Biological Sciences, and I am on the pre-medical track. I am extremely passionate about tutoring, and I have several years of experience tutoring students in my high school's learning center in various...

Education

University of Chicago

Bachelor of Science, Biology, General

Test Scores
Perfect Score
SAT
1550
ACT
36
Jeffrey

Certified Tutor

6+ years

Jeffrey

Doctor of Philosophy, Mechanical Engineering
Jeffrey's other Tutor Subjects
Pre-Calculus
Geometry
Calculus
Algebra

I am enrolled in the Mechanical Engineering PhD program at Rice University which will begin Fall 2020, and I am hoping to return to academia as a professor after earning my PhD. In the meantime, I am looking to share my passion for gaining knowledge, specifically in STEM, by educating the up and com...

Education

University of Notre Dame

Bachelor of Science

Rice University

Doctor of Philosophy, Mechanical Engineering

Test Scores
ACT
34
Erika

Certified Tutor

Erika

Master of Public Policy, Public Policy
Erika's other Tutor Subjects
Pre-Algebra
Middle School Math
Calculus
Algebra

I am available to tutor middle and high school math, history and test prep. I have tutored math and history in the past and I previously taught a test prep course at a school in Hanoi, Vietnam. I have a lot of experience teaching all the need-to-know tricks to doing great on the SATS/ACTS! When I am...

Education

Harvard University

Master of Public Policy, Public Policy

Test Scores
ACT
32
Sharon

Certified Tutor

9+ years

Sharon

Master of Science, Journalism
Sharon's other Tutor Subjects
Pre-Algebra
Middle School Math
Calculus
Algebra

I am a graduate of the University of Chicago, and I will be starting a graduate program at Columbia in August. I am about to complete a year of service with City Year, an education non-profit that places young adults into under-served schools. As a City Year member, I worked full-time in the classro...

Education

Columbia University in the City of New York

Master of Science, Journalism

University of Chicago

Bachelor in Arts

Test Scores
SAT
1550

Meet Our Expert Tutors

Connect with highly-rated educators ready to help you succeed.

Matthew

Pre-Algebra Tutor • +39 Subjects

I'm a highly creative person who works best with visual thinkers. Very recently graduated from Stanford University, I majored in Human Biology with a concentration in Bioinformatics and Stem Cell Science. Technical though my background may be, I am currently gigging as a singer/songwriter/composer in NYC and tackle even the most hard-science of problems with a top-down, big-picture, holistic approach. If you have a propensity to look at problems in a cross- or inter-disciplinary manner (or want to learn how to do so), I'm the tutor for you!

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Tiffany

Pre-Algebra Tutor • +56 Subjects

I am available to tutor a broad range of subjects, I am passionate about test preparation, Accountancy, and Algebra.

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Quinn

Calculus Tutor • +17 Subjects

I am willing to address any issue with an open mind and I try to develop strategies that play to a student's strengths. I would like to think I am very approachable and personable, and I have had very positive experiences with many students in the past using this philosophy. Outside of academics, I love playing basketball and watching sports, as well as chilling with friends, listening to music, and keeping up with politics and current affairs.

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Charles

AP Calculus AB Tutor • +25 Subjects

I am a junior Mechanical Engineering major at Yale, and I hope to become a Naval Aviator after college. I am also a varsity sailor, and enjoy playing music with friends when I can get some free time. I have been tutoring my fellow students throughout my entire academic career, and I would best describe my tutoring style as one that adapts to each students' needs. For example, I have always tried to frame questions in a different way so that the student can better understand the question. Some students need visual representations of numbers and systems to understand them, and others benefit more by understanding the concepts behind each formula. I prefer to tutor in math and physics, and especially with real world application problems. I hope to help students improve their standardized test scores and their understanding of the math and sciences so that they can achieve their academic goals! Hobbies: art, books, running, reading, music, writing

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Tony

Calculus Tutor • +28 Subjects

I am a recent graduate of Yale University and incoming first year medical student at Columbia University. Originally from the DC area, I have always had a passion for science and medicine and pursued a degree in Biology while at Yale. During the 2008-2009 academic year, I tutored science, math, English, history, and Mandarin Chinese part-time with a DC-based tutoring company. At Yale, I worked as a freshman counselor to provide academic and career advice to incoming freshmen. I have taken both SAT and MCAT test prep classes and am familiar with both tests as well as the preparation necessary to score well. My personal career goals include attending medical school to pursue either immunology/infectious diseases or psych/neurology, teaching biology at the university level, and working in public/global health with either the CDC or the WHO.

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Samuel

AP Calculus AB Tutor • +29 Subjects

I am a freshman at Caltech majoring in Applied and Computational Mathematics. My favorite subject to tutor is math because I find it very rewarding to simplify complex topics to aid in understanding. I have lots of tutoring experience. In high school, I ran and taught an SAT prep class and was vice president of my school's NHS chapter where I ran our tutoring program, and I, myself, tutored. I also was a teaching assistant in the summer of 2020 for a class in discrete mathematics through a program called PACT (Program in Algorithmic and Combinatorial Thinking). I love learning and hope to make the process enjoyable for you!

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Annie

Pre-Algebra Tutor • +28 Subjects

I am currently a second year medical student. I was a Physiological Sciences major at UCLA (class of 2015), and pursued research during my gap year between undergrad and medical school.

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Sami

Pre-Algebra Tutor • +19 Subjects

I am a Duke University graduate in Economics and Computer Science. I am currently pursuing an MBA degree at the Yale School of Management. I have worked in the financial field, both at a management consulting firm and a fortune 500 company. My hobbies include playing and coaching soccer. Hobbies: reading, writing, art, books, music

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MaryAnn

Calculus Tutor • +21 Subjects

I am a published author who has enjoyed “coaching” our daughter, as she navigated through high school, college and graduate school. I mentor college juniors who are seeking careers in financial services, and I serve as a peer resource to professionals who are transitioning from private industry to the nonprofit sector. Hobbies: reading, cooking, writing, books, music, art, travel

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Pinelopi

Pre-Algebra Tutor • +25 Subjects

I am a Duke University graduate with a Bachelors degree in Psychology. I have experience tutoring all levels of Spanish language, all sections of the SAT, as well as algebra, pre algebra, geometry, and pre-calculus! I love kids & I have a very flexible schedule and a lot of patience! Let me help you :)

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Frequently Asked Questions

Students typically struggle most with interest rate calculations and yield curve analysis, where small computational errors compound across complex formulas. Bond pricing and duration concepts also challenge many test-takers because they require both procedural fluency with present value calculations and conceptual understanding of how interest rates affect bond values. Annuities—particularly those with non-standard payment frequencies or varying rates—trip up students who haven't internalized the underlying logic of discounting cash flows. A tutor can help you move beyond memorizing formulas to understanding why these relationships work, which makes solving unfamiliar problem variations much easier.

The key is developing a systematic approach: identify what you're solving for, map out the cash flows on a timeline, and then match them to the appropriate formula. Many students jump straight to calculations without this setup step, which leads to sign errors and wrong answers. A tutor can teach you to annotate problems methodically—labeling rates, time periods, and payment amounts—so the equation becomes obvious rather than something you guess at. Working through problems this way also builds pattern recognition, so you'll spot when a problem is testing annuity concepts versus loan amortization versus bond valuation.

Many students know their calculator has a TVM (time value of money) solver but don't leverage it strategically, wasting time on manual calculations for straightforward present/future value problems. The BA II Plus and HP 12C are most common for Exam FM, and tutors familiar with these calculators can show you shortcuts like using the NPV function for complex cash flow problems and setting your calculator to the correct payment mode (BGN vs END). Learning when to use calculator functions versus manual formulas—and practicing this decision-making under timed conditions—can save you 10-15 minutes on the actual exam.

This is a common gap where students can recite that PV = FV/(1+i)^n but freeze when a problem asks them to find the rate of return or compare two investment options. A tutor helps you see the underlying relationships—that present value and future value are inverses, that higher rates mean lower present values, that time and rate changes have predictable directional effects. By working through variations of the same problem (changing what you're solving for, adjusting time periods, etc.), you develop intuition for how the pieces fit together. This conceptual foundation is what separates students who pass Exam FM from those who barely scrape by.

Amortization schedules require you to track multiple moving parts simultaneously—the declining principal balance, the changing interest portion, and the constant payment amount—while understanding that the interest each period depends on the remaining balance from the previous period. Students often make errors like calculating interest on the original loan amount instead of the remaining balance, or misunderstanding why early payments are mostly interest. A tutor can walk you through building a schedule step-by-step, then show you how to use this understanding to answer questions about total interest paid, principal remaining after n payments, and how refinancing changes the picture.

Most candidates need 100-150 hours of study time total, and working with a tutor can help you use those hours more efficiently by targeting your specific weak spots rather than reviewing material you've already mastered. If you're starting from scratch with limited financial math background, you might benefit from 8-12 weeks of consistent tutoring sessions (2-3 per week) alongside independent practice. The timeline compresses if you already have strong calculus and algebra skills; it extends if you need to rebuild foundational concepts. A tutor can assess your starting point in an initial session and give you a realistic roadmap based on your background and target exam date.

Effective practice means solving problems untimed first to focus on understanding, then gradually adding time pressure as you build confidence—not just grinding through hundreds of problems without reflection. A tutor can help you identify which problem types expose real gaps in understanding versus careless mistakes, and teach you to annotate your work so you can review your reasoning later. They can also guide you on how many practice problems you need (quality over quantity) and help you recognize when you're ready to move from textbook problems to full-length practice exams. Many students waste time re-solving problems they've already mastered instead of focusing on the 10-15% of topics that are actually giving them trouble.

Confidence on Exam FM comes from having seen enough problem variations that nothing on test day feels completely foreign, and from trusting your problem-solving process even when a question looks unfamiliar at first glance. A tutor helps you build this by working through increasingly complex problems, simulating exam conditions during practice sessions, and teaching you strategies for when you get stuck (like reframing the problem, checking your setup on a timeline, or trying a different approach). They can also help you distinguish between productive struggle—which means you're learning—and genuine confusion that needs clarification, so you don't waste time spinning on problems during the exam.

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