Award-Winning Exam FM - Financial Mathematics
Tutors
Award-Winning
Exam FM - Financial Mathematics
Tutors
Private 1-on-1 tutoring, weekly live classes for academic support, test prep & enrichment, practice tests and diagnostics, and more to elevate grades and test scores.
Based on 3.4M Learner Ratings
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Exam FM demands precision with time value of money, annuities, bonds, and interest rate models — topics where one misapplied formula can cascade through an entire problem. As an actuarial science graduate who sat for the exam himself, Josh knows which derivations are worth memorizing and which are faster to rebuild from first principles under time pressure. He walks through each problem type with an emphasis on recognizing the setup quickly and choosing the right approach before calculating.

Time value of money, annuity structures, and yield curve applications are daily territory for Noah as an actuarial science student preparing for the same professional exams. He walks through Exam FM problems by building intuition around how interest accumulation functions and amortization schedules actually work, which makes formula-heavy sections far more manageable.
I'm not tutoring or buried in my textbooks, you will either find me rock climbing at the Triangle Rock Club, playing Ultimate Frisbee, working on my car, or enjoying the great outdoors (beaches, mountains, forests--you name it, I love it). On rainy weekends I enjoy tinkering with computers and old electronics, playing Pokemon, or picking at my guitar.
I am an interdisciplinary educator with an Ed.M. from the Harvard Graduate School of Education and a B.A. from Dartmouth College. My background is primarily in integrated arts learning and museum education and I specialize in visual arts, history and art history, and object-based learning. In all subjects, I take a creative, inquiry-based and learner-centered approach, designing opportunities for each unique individual to meet their learning goals.
I am a recent graduate from a masters program in biostatistics at Columbia University. I received my Bachelor of Arts in biological sciences, with a focus in neurobiology at Northwestern University. In August, I will be starting a doctoral program in biostatistics at NYU. I was a teaching assistant at Columbia University in my department and also have tutored graduate students and undergraduates privately as well. My primary areas of tutoring are math and statistics coursework in addition to math sections on standardized tests such as the GRE and GMAT. I am very passionate about helping students feel more confident and excited about math. In my spare time, I enjoy running, playing piano, and spending time with friends and family.
I am a graduate of Wesleyan University, where I received my Bachelor of Arts in Sociology with High Honors. With eight years of experience working in education, I've tutored students in math, science, history, and English, as well as helped students prepare for standardized tests. I've guided adults towards passing the US Citizenship Exam and taught English in India, where I lived for six months. Whenever I work with a student I personalize the lessons to fit their particular learning style, since I know every student is unique and having the right fit can make all the difference in making learning fun and effective. My strengths are tutoring the social sciences and humanities, as well as making math and standardized tests approachable to students that normally don't like those subjects. In my spare time I like traveling, spending time in the outdoors (climbing & backpacking), meditation, and playing soccer. Next fall I will be beginning my PhD in Education at Harvard University.
I am proud to be a part of Varsity Tutors! I am originally from San Antonio, TX; I completed my undergraduate education at Rice University in Houston where I received a bachelor's degree in Biochemistry and Cell Biology. Currently, I am in my second year of medical school at Baylor College of Medicine.
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!
I am a graduate of Washington University in St Louis, where I received my Bachelor of Arts in History with minors in Humanities and Anthropology. Since graduation, I have worked as a tutor, teacher, and director of tutors at a charter public middle school in Boston. During this time I also received my Masters in Mild to Moderate Disabilities from Simmons College. I have worked extensively with students with a range of abilities, including students with specific learning disabilities, emotional impairments, dyslexia, and ADHD. My teaching experience has given me a deep understanding of the knowledge and habits essential to academic success and has given me the opportunity to hone a variety of strategies that ensure students at each level can achieve their academic goals. While I tutor a broad range of subjects, my favorite ones are Reading, Elementary/Middle School Math, History, and Test Prep. In my experience, tutoring is the most rewarding when a student has that "aha!" moment and achieves a new level of understanding and confidence in his/her abilities. I am a firm believer in the transformative power of education, and I see my role to be that of a facilitator and coach who is there to help the student reach his/her goals through individualized support and rigorous practice. In my free time, I enjoy reading, running, practicing my Spanish, and discovering new music. I am also an avid traveler and just got back from a 3 month trip to South America. I look forward to the opportunity to work with you!
I am a rising sophomore at Harvard College and am about to declare as a Mechanical Engineering concentrator, working towards a Bachelor of Science degree. I've always enjoyed sharing my knowledge with my peers and those around me and have done so in both formal and informal settings. I've been a tutor for both Math and Spanish programs in high school and enjoyed the strides I made with students. I am willing to tutor any subject I have a background in, but am strong in mathematics, the sciences, Spanish, history, writing, and ACT prep. I enjoy teaching mathematics most due to the joy I can see in children once they master a topic and can answer even pointed questions meant to stump them, and maybe even put their knowledge to real world use. As a tutor, I like to give a strong foundation to orient my student, and then gradually grant them more freedom and independence until they can feel themselves grasp the concept, pointing out pitfalls or common errors along the way; teachers who used these methods on me always left the most lasting impressions. Outside of my studies, I really enjoy listening to music, both old favorites and new interests, reading classics, and gaming/playing basketball with my friends.
I'm Solange - a recent graduate from Harvard where I studied Sociology & Women's Studies. I've been tutoring for eight years now, and have worked with a wide range of ages and in a wide range of subjects. Some of my specialties are college prep/test taking II worked in the admissions office on campus); social sciences; and literature/writing.
I am an aspiring applied mathematician, with particular interest in image processing and climate science. I graduated in May 2017 from Washington University in St. Louis with a bachelor's in physics and mathematics, and am beginning a PhD program in September 2017 at the University of Chicago in Computational and Applied Mathematics. I've tutored introductory physics students for three years and enjoyed it thoroughly, as a chance to help other students while revisiting fundamental concepts to enhance my own knowledge. I'm eager to continue reaching out and helping students of math and physics to succeed and, furthermore, to appreciate the beauty and power of these subjects.
I am a graduate of the University of Chicago where I received my undergraduate degree in political science. Right after graduation, I worked as an academic and test prep tutor as well as admissions consultant in Hong Kong. For the past two years, I worked with a number of students to help prepare them for college in the United States.
I am comfortable tutoring math subjects up to multivariable calculus and differential equations, as well as college physics.
I am a graduate of the University of Chicago where I received my Bachelor of Arts in Philosophy. Currently, I am in the master's program at the University of New Mexico where I am continuing my education in philosophy. Ultimately, I hope to go on to earn a PhD in Philosophy so that I can continue engaging in my passions for learning and teaching. While in school, I have spent countless hours coaching high school speech and debate both in person and working online with students across the country. My focus in coaching has been to emphasize philosophy and critical thought to prepare students to think through novel arguments on their own. I am passionate about teaching and tutoring because I love seeing students learn to be intellectually independent and think through problems on their own terms by developing their critical thinking skills. I have devoted my life to education because I am passionate about it, and I try to share some of my passion for learning with the students I work with. I tutor all sorts of Standardized Tests, and I particularly enjoy working on logic-based problems like analogies and math sections. When I am not tutoring or reading for school, I enjoy strategy games (both board games and video games), listening to music, hiking, playing basketball, and just relaxing with friends.
I am currently attending Johns Hopkins University, pursuing a dual degree in Computer Science and Applied Math and Statistics. I love helping students and I love the feeling I get knowing that I was able to use my knowledge to make someone else happier. My favorite subject to teach is math because there are so many ways to learn it and if one way does not help I can use another. I used to teach taekwondo and interacted with all kinds of students, and I'm excited to help out more!
I'm eager to help you in your education. I'm a recent graduate of Harvard College looking to apply to law school. My senior thesis was written on John Dewey's ideas of education, which I deeply believe has incredible power to transform individuals and society.
I am exploring my creativity by pursuing a double major in Asian Languages and Cultures with a focus in Korean, studying abroad in South Korea as a Benjamin A. Gilman Scholar, leading workshops that teach 3D printing and CAD for undergraduate students as the president of 3D4E, advocating for the first-generation and low-income student community as the Outreach Chair of the Quest+ Scholars Network, and getting involved with the Society of Women Engineers' outreach committee. I currently hold a work-study position as an administrative clerical aide in the Institute of Sustainability and Energy at Northwestern and was an undergraduate researcher in the John Rogers Lab. As I look forward with aspirations of applying to graduate school, areas of research in biomedical engineering and biotechnology that I am particularly interested in include biomaterials, pharmaceuticals, and drug delivery systems. Outside of the classroom, I enjoy learning on my own and sharing my experience and knowledge with my peers and other students. I hope to make use of my experiences with academics and learning in high school and so far in my undergraduate career in order to effectively tutor students who may be experiencing the same struggles in learning that I also experienced.
I am excited to be home and help fellow straphangers on their educational paths! My largest wealth of tutoring experience is in foreign languages--particularly French--but I also feel very comfortable editing essays of any kind and working through standardized test concepts. My availability is extremely flexible, and anywhere in New York City works for me. I look forward to working with you.
I am a graduate of McGill University (BA First Class Honors) and the University of Edinburgh (MSc First Class Honors with Distinction) with over eight years of tutoring experience. I am currently a curriculum developer for a company which creates relatable and culturally-literate courses for middle and high-schools, and am particularly adept at communicating and explaining concepts in a quirky, engaging, and intelligent manner. I was named Scotland International Young Thinker of the Year 2014 for exactly that sort of work. Much of my tutoring background is in test-prep and essay coaching, which I enjoy because it allows the tutor and student to think strategically together, and work as a team to achieve concrete results. I have worked with students ranging in age from 6-32, and believe that, in an educational context, a few jokes never hurt anybody. I love reading and learning, and my educational approach is centered around making the material just as engaging to students as it is to me. I think J.K. Rowlings, the writer of Harry Potter, is just as brilliant as Stephen Hawking, and in my free time, I manage my (terrible) fantasy baseball team, write songs for my comedy band, and crack jokes about terrible science-fiction movies with my friends.
I am a graduate of MIT. I received my Bachelor of Science in Mathematics with minors in Management Science and Ancient and Medieval Studies. Since graduation, I have started my PhD at Georgia Tech in Operations Research. Throughout my career I have TA'd several math and computer science courses at the college level. I have also taught at summer programs for gifted middle school and high school students. I am passionate about tutoring kids in math and science because I think that a strong foundation in STEM at an early age can set the tone for their future. In my spare time I like to engage in athletics, and was a Division 1 rower in college.
I am currently a senior at Harvard College where I study chemistry, and I'll be attending Columbia Medical School next year. I have years of experience tutoring college students in math (mostly calculus) and chemistry including both general and organic chemistry. In addition, I am very familiar with all sections of the SAT and ACT having prepared several high school students for these tests. I believe that every student is capable of boosting his or her baseline score on these tests, so long as he or she works hard to get to know the format of the tests and the most popular types of questions. I tutor because I love seeing students develop a genuine passion for the subjects they once disliked (such as math and science), once they understand the power of these subjects and their applications to the real world.
I am a graduate of the University of Chicago, with a bachelor's degree in psychology and linguistics. Currently, I am pursuing a master's degree in speech-language pathology at Teachers College, Columbia University. In the past, I have worked as a teacher's aide in a public school classroom, a mentor to middle school girls, an instructor and tutor at the literacy education organization 826, and a summer camp counselor. I tutor a diverse range of subjects, and I find that I especially enjoy tutoring language arts, reading, and writing at all levels, from elementary school all the way up to college/grad school test prep. As a tutor, I am committed to helping students reach their full potential as learners. Throughout my years as an educator, I have seen firsthand the remarkable academic growth that can occur when tutors provide students with the individualized support that they need. In my spare time, I enjoy reading, journaling, and learning about other languages and cultures.
I'm a graduate of Princeton University (2009), with a degree in Comparative Literature. I'll be receiving my masters degree in English from Grand Valley State University this fall and I'm looking forward to working with students like you! I've been teaching and tutoring students since 2008 and I specialize in English, Reading, Writing, Essays, and College Entrance Test Prep.
I am specializing in the ACT. My tutoring approach, while covering test-taking techniques, will also emphasize the wisdom and skills needed to understand the root of the test questions. I hope that I can come alongside you to help and encourage you in your life pursuits.
I am an undergraduate student at the University of Pennsylvania. I have been tutoring for over 6 years now, and I have found it to be an extremely rewarding and enjoyable experience. I specialize in mathematics, particularly at the high school level, and I also have experience tutoring other subjects. I also have done SAT prep for the mathematics section of the New SAT and am very familiar with the recent changes to the exam. My belief is that everyone is capable of learning with enough time, explanation, and practice, and I hope to pass this on to all the students I work with. For this reason, I believe in teaching students how to think and problem solve, rather than just having them memorize patterns or facts.
I am passionate about education, learning, teaching, and specifically literatures and languages. I have experience as an ESL teacher for young children and teens, as well as experience working as a Writing Consultant at my undergraduate institution. I also spent all four years of my undergraduate career volunteering as an SAT tutor for local high schoolers. Beyond this, I have experience both as a private and public Spanish tutor. I love to help students reach their educational and personal goals in any way that I can.
I am a recent graduate of Williams College, where I studied political science with sidelines in history and English. Next fall, I am headed to Ithaca to study at Cornell Law School. I have experience tutoring in all subjects for high school standardized tests and in writing and history at higher levels, and am excited to pass on the benefits of my study as a tutor for the LSAT. I look forward to working with you!
I'm a pre-health student at the University of Pennsylvania, and have an extensive background in the sciences. I can also rock the SATs and MCAT, so I've got that going for me. I love learning with students and trying to make the tedious work of learning as fun as possible. I think and teach in examples and make abstract concepts easily understandable. I also love sports, adventures, travelling!
I am a very motivated individual that will ensure all my students succeed in their studies. I have a great teaching style that is unique to each student that I work with, and I work hard to make sure my students not only master the material they need to learn, but also understand how to study and prepare on their own.
I am a doctoral candidate in Clinical Psychology at Duke University. My job requires excellent mathematics, analytic, and writing skills, which are also my favorite subjects to teach. I have experience teaching kids in elementary, middle, and high school, as well as college-aged students. My particular expertise is in managing attention and assisting with executive functioning (e.g., time management and planning).
I am flexible and adaptive to different learning styles. I welcome students and/or parents to set their own goals/expectations, and I tailor the curriculum to suit those goals.
I am a Yale graduate with over 8 years experience tutoring students from a variety of backgrounds. I recently graduated from the Yale School of Public Health with a MPH concentrating in Epidemiology and Global Health. I also received my B.S. from Yale with a double major in Molecular, Cellular, and Developmental Biology and French. I have experience both leading group classes and working with students one on one. I will respond to a student's strengths, weaknesses, and learning style in order to help them succeed and make the most of our time together. I earned a perfect score of 36 on the ACT, 2280 on the SAT, and qualified as a National Merit Scholar on the PSAT. I look forward to working with you!
I'm glad you've come to my page. I'm here as an experienced tutor and mentor who likes to listen to your specific needs and create an environment and plan ideal for your learning level and experience. Whether it's immediate assistance with an exam or long-term goals and improvement, I'm here to help!
I am an experienced and well-qualified essay coach, and a tutor in language arts and German. I also tutor students who are preparing for the SAT. I earned my B.A. in Comparative Literature from Columbia University and an M.A. in German from UC Berkeley, where I taught college German and received training in foreign language pedagogy. I love to learn, I am drawn to travel, and the experiences I have had enrich my work as a tutor. For me, tutoring is about more than making the grade or getting the right score; I always strive to foster insights and new skills that will help my students take charge of their own education.
I am a second year law student at the University of Chicago who hails from the San Francisco Bay Area! I tutor the SAT, ESL, and Spanish. I was an AVID tutor in high school, and after college I taught an ESL class and tutored a high school student in Spanish. In law school, I am involved with the Lawyers in the Classroom program. My tutoring philosophy is based on listening to students work through problems and helping them to spot their confusions or incorrect assumptions. I believe students learn much better when they aren't simply told the right answer or right reasoning; they need to get there on their own.
I am a graduate of Stanford University, where I received a BS in Cognitive Science and an MS in Computer Science. After graduation, I spent a summer in Palestine, where I taught web development, app development, and entrepreneurship to a cohort of overenthusiastic high school students; now, I've moved halfway across the country from the Bay Area to the Twin Cities. From volunteering with organizations like Twin Cities Rise and The Mid-Continent Oceanographic Institute to checking out art institutions like the Walker and Mia, it's been such a wonderful time settling into this new place that I call home.
I am a life-long proponent of education and learning. I graduated from Princeton University with a B.A. in philosophy. After working for a few years, including in book publishing, I returned to school and completed my M.A. in history at the University of California, Berkeley. While there, I taught history and philosophy classes to undergraduates. I also taught Standardized Test Prep (SAT and GRE) for Summit Tutors and Kaplan.
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'm looking forward to helping you improve your scores towards improving your chances at getting in to your dream school.
I am an undergraduate student at the University of Chicago majoring in Classics and Theatre. However, my college uses the core curriculum and as a result, I've had a well-rounded, eclectic education covering everything from math to fine arts. I've won awards in community service, dance, and film, but most notably, 20 writing prizes before I reached eighteen. I was a National Merit Semi-Finalist in high school and I've had a passion for education and the art of learning since I was a child. I hope to instill in my students the love of amassing knowledge, excelling in your studies, and walking out of a test feeling like you rocked it. I especially had a passion for the Critical Reading and the Writing portions of the SAT's and the SAT 2 in Literature. I have teaching experience with everything from stand-up comedy to Emergency Medical Services to tap dancing, and I've been told that I am unmatched in my enthusiasm. In my free time, I like to perform sketch and improv comedy, dance, play the banjo, and volunteer in my local hospital.
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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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