risky

Update: I took the GRE and scored a 321 (158 Verbal and 163 Quant). I've also been doing some research and will continue to do so for the next year before I apply to PhD programs. Anything else I could do to improve?

Hi all, I am planning on applying to Finance PhD programs next fall (entry fall 2019) and I hope to use the next year to improve my resume and boost my application. I would highly appreciate any comments/tips/concerns. Here are my stats: Undergrad: BS in Math and Finance at a public state university in the South GPA: about 3.7 (includes classes from math/finance major, spanish minor, and electives) Work Experience: a few internships including one summer at a bulge bracket bank GMAT: 640 At this point I know that the GMAT score is going to hurt me, so I am planning on taking the GRE to see if I perform better. Additionally, I will be working as an RA over the next year (no undergrad research experience) alongside a full-time job (Finance related). I also do some math tutoring, not sure if that's worth mentioning. I hope to learn some coding too (i.e. R, Python) Any thoughts? I'll take any and all positive/negative comments.