I am a graduate of Miami University in Oxford, Ohio. I received both my undergraduate and graduate degrees in Accountancy. After graduation, I worked as an auditor for a Big Four accounting firm, primarily working with public clients. During that time, I took and passed all CPA exams. Currently, I work as an accounting supervisor for a Fortune 25 company in Atlanta, GA. While I tutor a broad range of subjects, I am most passionate about accounting and math. While a grad student, I was a TA. All students that visited me in office hours received a higher score on their second exam than on their first exam. I have always said accounting is like a foreign language, and once you have a solid foundation, you can apply it everywhere. I have a passion for teaching, and I look forward to bringing my energic and positive energy to all my sessions.

I received my undergraduate degree in Interdisciplinary Studies through Tennessee State University. I received a Masters in Instructional Leadership through Union University and am a licensed principal.The subjects I am most passionate about are reading, writing, spelling, vocabulary, and phonics and elementary math. I also have experience teaching students how to be more organized and strategies in test taking.I am a big believer of building relationships. I want my students to have confidence in me and the two of us work together to set goals and map out steps to reach them. I believe students will be more successful in reaching their goals if they play an active role in setting them.

I have been an educator for almost 30 years and have worked with children of all ages from kindergarten all the way to college and beyond. As a classroom teacher, I taught both elementary and high school. I am currently a high school counselor and the combination of all of my experience gives me a unique window into the world of education and college entrance. My experience, combined with my doctoral degree with a focus on learning disabilities, allows me a varied perspective while working with children. I work with the whole child and pride myself ion being able to meet each of my students where they are while pushing them to achieve more than they ever thought possible. As a mother of two children with dyslexia, I have seen first hand, the frustration and struggles that accompany learning challenges and I am here to help. In addition to my experience in education, I have also been writing for over 30 years and have had articles and poems published in multiple magazines and journals and have co-authored several medical journal articles related to food allergy and bullying and have also published two books about counseling and learning disabilities through Routledge Press.

I am a Licensed Master Social Worker. I obtain my Masters Degree at Touro College Graduate School of Social Work. I also obtained my Bachelors of Arts in Sociology with a Minor in English from SUNY Binghamton University. I am also a certified school Social Worker. I always knew, if I did not become a Social Worker, I would become an English teacher. Either way, I wanted to help children. That has always been my passion and goal in life. Throughout my career, I have always worked with children assisting them academically, especially assisting them to improve and excel in reading and writing. I love reading and I always try to get my students to realize that reading and writing is necessary. I want them to see that it is fun and entertaining and can be just as entertaining as their tablets. My teaching style is to meet my students where they are and move forward as a team in order for them to reach their goal. It takes time and patience and I am willing to help them to reach their full potential. I am experienced in working with students with an IEP and also those with Processing Disorders.

I am a recent college graduate from the University of Pittsburgh and I graduated with a Summa Cum Laude B.Sc in Neuroscience. Right from Sophomore year, I began serving as a Teacher's Assistant for science classes like college level Biology and Physics and expanded from there to tutoring high school students in preparation for college and standardized tests. I have had a lot of great experiences from working one-on-one with students especially because private tutoring usually enables students to stay more focused and feel more comfortable addressing their concerns. I believe every student is fully capable of being successful and reaching their goals but with the right mindset, approach, and attitude towards learning. My only role is to serve as a guide to get you there and I'm always more than happy to assist.

Learning is a lifelong journey!

I am currently an undergraduate at the University of Southern California. I am majoring in Health and Human Sciences and minoring in Spanish, and am also on the pre-medical track. Growing up, I had difficulty in school understanding concepts in science, which originally dissuaded me from pursuing career in science. However, when I eventually found the right tutors, everything began to make sense to me and I realized how much I enjoyed learning when I could understand the material. It was empowering and I felt proud and confident in myself when the concepts started clicking. Because of my experiences, I decided to start tutoring to help others experience that feeling of finally understanding a tough concept. While I tutor a variety of different subjects, I've always been most passionate about concepts concering the NREMT, English, Spanish, and basic level mathematics. For the last four years, I've been tutoring a wide range of students, from elementary school kids to college students, and I absolutely love watching their level of understanding grow as they discover new concepts. I know firsthand how difficult it can be to seek tutoring, and I try to be as approachable as possible while continuing to emphasize the power of learning and the confidence that accompanies it. I also firmly believe that learning should not only be educational, but fun as well!In my free time, I love watching movies, hiking, playing ping pong, creating the occasional Spotify playlist, and baking.

Retha Stewart, PhD is a graduate of Walden University of Minnesota in Forensic Psychology in 2021 with additional credentials from Trinity College of Natural Health with a Doctor of Naturopathy in 2001, as well as a certified Life Coach and an ordained minister. Dr Retha as often referred, has a wide variety of experience working with students she's taught over thirty years. I also work to promote positive mental health with individuals, families and groups.

I have been an institutional trader my whole career starting from the commodities trading pits on the floor to moving upstairs running execution trading desks at inter dealer brokers. What I can help you with obtain a better understanding are the following subjects; equities types, options, futures, swaps, energy trading both paper and physical, OTC (over the counter) derivative products, technical analysis, order types and usage, terms such as MOC,MOO, not held, held, stop, best effort etc. and PFOF it's effect on trading and it's use by companies like Robinhood, dark pools, equity and options trading OMS (Order management systems) algorithms types and usage, options trading strategies, futures trading strategies, portfolio strategies, quantitative portfolio theory and strategies, hedging strategies in equities, options, compliance questions, proper order handling, Multi asset class trading strategies, futures and OTC swaps types and usage. It is most important to understand what your goal is and what best strategy can be used to accomplish it, knowing the risks associated with each strategy and best option to hedge it, understanding a traders mentality which is partially based on behavioral science, experience to draw upon and a deep understanding of the interconnections between economic number both domestically and abroad, government statistics, drivers of the market and the connection all asset classes have on each other. I have the following licenses; 3,4,7,55,63 and SIE. Having run 4 trading desks, I can also help with compliance questions regarding order handling, proper investment fit, confidentiality rules. Equally as important is the able to see what is coming and to be flexible in your career choice, I have had to switch my focus, client base, trading style, learn new techniques and strategies due to technological advancements, change on Wall Street is a constant as they are always on the look out for the fastest, least expensive way to operate this usually applies to head count reductions. So, with a better of understanding of where we are now and where we had come from you maybe able to guess where it is we are going and where the jobs will be.If you care to read on exactly how I gained this knowledge you can read my bio below I just wanted to be clear above of exactly what I can help with, below is where and how I gained my knowledge. All of what I know has been actually gained doing various jobs while I may of started with book knowledge practical applications are different in terms of how things work to some degree.I started my career on the Coffee, Sugar and Cocoa exchange's trading floor at a young age, then moved upstairs to run Bear Stearns's energy futures desk using my options knowledge and learning the energy complex. So wearing the sales/trader/strategist hat I built a team to assist oil companies hedge using futures and options. We designing customized hedging strategies for the largest oil refiners, oil transportation and exploration, airlines and trucking companies. These strategies used futures, options and OTC swaps. During my time at two firms was involved in building electronic trading platforms over 20 years ago. While marketing an equity derivative trading platform I was offered a position on an equity derivatives brokerage desk as a sales/trader for an inter-dealer broker. Here I acted like an extension of my clients trading desks executing delta neutral trades, risk reversals and many other strategies either on a held or not held basis. Held means I am given the price by the client to fill and not held means the order is at my discretion to pick the price. Here we traded large institutional size orders of every strategy for the banks client who are sophisticated hedge funds, asset managers and clients were desks in a bank who used me instead of their in-house trading desks. I have been involved in quantitative portfolio management recently designing customized passive investment strategies for state pension funds using quantitative data to help them generate alpha with little tracking error risk. I have a Masters degree from Baruch in Finance. What I could help a Varsity Tutors client understand is futures, equities and options, commodities especially energy both paper and physical usage, pricing and use in a strategy either for profit or hedging. Also, technical and quantitative analysis such as understanding graphing and more advanced tools such as moving averages, stochastic and market profile. Also, I can impart a trader's mentality outlook, having been a trader in several asset classes. My areas of expertise are the energy complex, crude and heating oil, RBOB gasoline, natural gas in both physical and futures and options. My energy knowledge includes OTC natural gas basis swaps and futures crack, heat and spark spreads. Equities and equity options pricing and quantitative portfolio overlay strategies theory and construction.

I am a native Spanish speaker who enjoys sharing my language and culture with others who are interested and motivated to learn it.I hold a K-12 professional teaching certificate with 20+ years of teaching experience with all the High School Spanish levels including AP Spanish Language and AP Spanish Literature.

I am a graduate of Miami University in Oxford, Ohio. I received both my undergraduate and graduate degrees in Accountancy. After graduation, I worked as an auditor for a Big Four accounting firm, primarily working with public clients. During that time, I took and passed all CPA exams. Currently, I work as an accounting supervisor for a Fortune 25 company in Atlanta, GA. While I tutor a broad range of subjects, I am most passionate about accounting and math. While a grad student, I was a TA. All students that visited me in office hours received a higher score on their second exam than on their first exam. I have always said accounting is like a foreign language, and once you have a solid foundation, you can apply it everywhere. I have a passion for teaching, and I look forward to bringing my energic and positive energy to all my sessions.

I received my undergraduate degree in Interdisciplinary Studies through Tennessee State University. I received a Masters in Instructional Leadership through Union University and am a licensed principal.The subjects I am most passionate about are reading, writing, spelling, vocabulary, and phonics and elementary math. I also have experience teaching students how to be more organized and strategies in test taking.I am a big believer of building relationships. I want my students to have confidence in me and the two of us work together to set goals and map out steps to reach them. I believe students will be more successful in reaching their goals if they play an active role in setting them.

I have been an educator for almost 30 years and have worked with children of all ages from kindergarten all the way to college and beyond. As a classroom teacher, I taught both elementary and high school. I am currently a high school counselor and the combination of all of my experience gives me a unique window into the world of education and college entrance. My experience, combined with my doctoral degree with a focus on learning disabilities, allows me a varied perspective while working with children. I work with the whole child and pride myself ion being able to meet each of my students where they are while pushing them to achieve more than they ever thought possible. As a mother of two children with dyslexia, I have seen first hand, the frustration and struggles that accompany learning challenges and I am here to help. In addition to my experience in education, I have also been writing for over 30 years and have had articles and poems published in multiple magazines and journals and have co-authored several medical journal articles related to food allergy and bullying and have also published two books about counseling and learning disabilities through Routledge Press.

I am a Licensed Master Social Worker. I obtain my Masters Degree at Touro College Graduate School of Social Work. I also obtained my Bachelors of Arts in Sociology with a Minor in English from SUNY Binghamton University. I am also a certified school Social Worker. I always knew, if I did not become a Social Worker, I would become an English teacher. Either way, I wanted to help children. That has always been my passion and goal in life. Throughout my career, I have always worked with children assisting them academically, especially assisting them to improve and excel in reading and writing. I love reading and I always try to get my students to realize that reading and writing is necessary. I want them to see that it is fun and entertaining and can be just as entertaining as their tablets. My teaching style is to meet my students where they are and move forward as a team in order for them to reach their goal. It takes time and patience and I am willing to help them to reach their full potential. I am experienced in working with students with an IEP and also those with Processing Disorders.

I am a recent college graduate from the University of Pittsburgh and I graduated with a Summa Cum Laude B.Sc in Neuroscience. Right from Sophomore year, I began serving as a Teacher's Assistant for science classes like college level Biology and Physics and expanded from there to tutoring high school students in preparation for college and standardized tests. I have had a lot of great experiences from working one-on-one with students especially because private tutoring usually enables students to stay more focused and feel more comfortable addressing their concerns. I believe every student is fully capable of being successful and reaching their goals but with the right mindset, approach, and attitude towards learning. My only role is to serve as a guide to get you there and I'm always more than happy to assist.

Learning is a lifelong journey!

I am currently an undergraduate at the University of Southern California. I am majoring in Health and Human Sciences and minoring in Spanish, and am also on the pre-medical track. Growing up, I had difficulty in school understanding concepts in science, which originally dissuaded me from pursuing career in science. However, when I eventually found the right tutors, everything began to make sense to me and I realized how much I enjoyed learning when I could understand the material. It was empowering and I felt proud and confident in myself when the concepts started clicking. Because of my experiences, I decided to start tutoring to help others experience that feeling of finally understanding a tough concept. While I tutor a variety of different subjects, I've always been most passionate about concepts concering the NREMT, English, Spanish, and basic level mathematics. For the last four years, I've been tutoring a wide range of students, from elementary school kids to college students, and I absolutely love watching their level of understanding grow as they discover new concepts. I know firsthand how difficult it can be to seek tutoring, and I try to be as approachable as possible while continuing to emphasize the power of learning and the confidence that accompanies it. I also firmly believe that learning should not only be educational, but fun as well!In my free time, I love watching movies, hiking, playing ping pong, creating the occasional Spotify playlist, and baking.

Retha Stewart, PhD is a graduate of Walden University of Minnesota in Forensic Psychology in 2021 with additional credentials from Trinity College of Natural Health with a Doctor of Naturopathy in 2001, as well as a certified Life Coach and an ordained minister. Dr Retha as often referred, has a wide variety of experience working with students she's taught over thirty years. I also work to promote positive mental health with individuals, families and groups.

I have been an institutional trader my whole career starting from the commodities trading pits on the floor to moving upstairs running execution trading desks at inter dealer brokers. What I can help you with obtain a better understanding are the following subjects; equities types, options, futures, swaps, energy trading both paper and physical, OTC (over the counter) derivative products, technical analysis, order types and usage, terms such as MOC,MOO, not held, held, stop, best effort etc. and PFOF it's effect on trading and it's use by companies like Robinhood, dark pools, equity and options trading OMS (Order management systems) algorithms types and usage, options trading strategies, futures trading strategies, portfolio strategies, quantitative portfolio theory and strategies, hedging strategies in equities, options, compliance questions, proper order handling, Multi asset class trading strategies, futures and OTC swaps types and usage. It is most important to understand what your goal is and what best strategy can be used to accomplish it, knowing the risks associated with each strategy and best option to hedge it, understanding a traders mentality which is partially based on behavioral science, experience to draw upon and a deep understanding of the interconnections between economic number both domestically and abroad, government statistics, drivers of the market and the connection all asset classes have on each other. I have the following licenses; 3,4,7,55,63 and SIE. Having run 4 trading desks, I can also help with compliance questions regarding order handling, proper investment fit, confidentiality rules. Equally as important is the able to see what is coming and to be flexible in your career choice, I have had to switch my focus, client base, trading style, learn new techniques and strategies due to technological advancements, change on Wall Street is a constant as they are always on the look out for the fastest, least expensive way to operate this usually applies to head count reductions. So, with a better of understanding of where we are now and where we had come from you maybe able to guess where it is we are going and where the jobs will be.If you care to read on exactly how I gained this knowledge you can read my bio below I just wanted to be clear above of exactly what I can help with, below is where and how I gained my knowledge. All of what I know has been actually gained doing various jobs while I may of started with book knowledge practical applications are different in terms of how things work to some degree.I started my career on the Coffee, Sugar and Cocoa exchange's trading floor at a young age, then moved upstairs to run Bear Stearns's energy futures desk using my options knowledge and learning the energy complex. So wearing the sales/trader/strategist hat I built a team to assist oil companies hedge using futures and options. We designing customized hedging strategies for the largest oil refiners, oil transportation and exploration, airlines and trucking companies. These strategies used futures, options and OTC swaps. During my time at two firms was involved in building electronic trading platforms over 20 years ago. While marketing an equity derivative trading platform I was offered a position on an equity derivatives brokerage desk as a sales/trader for an inter-dealer broker. Here I acted like an extension of my clients trading desks executing delta neutral trades, risk reversals and many other strategies either on a held or not held basis. Held means I am given the price by the client to fill and not held means the order is at my discretion to pick the price. Here we traded large institutional size orders of every strategy for the banks client who are sophisticated hedge funds, asset managers and clients were desks in a bank who used me instead of their in-house trading desks. I have been involved in quantitative portfolio management recently designing customized passive investment strategies for state pension funds using quantitative data to help them generate alpha with little tracking error risk. I have a Masters degree from Baruch in Finance. What I could help a Varsity Tutors client understand is futures, equities and options, commodities especially energy both paper and physical usage, pricing and use in a strategy either for profit or hedging. Also, technical and quantitative analysis such as understanding graphing and more advanced tools such as moving averages, stochastic and market profile. Also, I can impart a trader's mentality outlook, having been a trader in several asset classes. My areas of expertise are the energy complex, crude and heating oil, RBOB gasoline, natural gas in both physical and futures and options. My energy knowledge includes OTC natural gas basis swaps and futures crack, heat and spark spreads. Equities and equity options pricing and quantitative portfolio overlay strategies theory and construction.

I am a native Spanish speaker who enjoys sharing my language and culture with others who are interested and motivated to learn it.I hold a K-12 professional teaching certificate with 20+ years of teaching experience with all the High School Spanish levels including AP Spanish Language and AP Spanish Literature.