Hi, John,
You are right, I'm not a native speaker of English. I got an MS in the United States, so probably TOEFL can be waived. My TOEFL score has already expired, though I'm more confident in it than my GRE score.
My undergrad major is Math, and got MS in Mathematical Finance. So I have some choice, maybe some Math Ph.D. program, where there are professors doing research in Math Finance, or Ph.D. in Finance in some Business school, or Economics, where I can do decision theory. Of course I want to go to top schools, because I'm considering pursuing a academic career.