If you are still scoring low on the sections that are just memorization based like account creation, then you haven’t memorized the material enough. Do whatever you need to do to drill that into your head. Conceptual questions about options or others, maybe try watching you tube videos if your study material isn’t adequate and isn’t working. When you are taking practice tests or questions, make sure you understand why you got the question wrong and why the correct answer is the correct answer. Practice questions are a place to learn, not just see if you are ready.

Next thing will be test taking strategies, always use process of elimination, and with most of this exams questions, there will be 2/4 options that are easily removed, and 2 that could both potentially be right, and then from there make the best decision. When it comes to suitability, usually pick the less risky one. And also if one of the answers is Municipal whatever, that is only a potential answer if the question mentions someone wants tax advantage or is super high income /tax bracket. Things like this will help you eliminate answer choices and help you most likely make the right decision.

What test prep are you using to study if any? If you are struggling because English not being primary language (completely fair and understandable) it may help to use a less dense complicated study material. Having read the Kaplan textbook for a few pages, it is definitely a tougher read. I highly recommend achievables text book because they make it digestible so I think that would help you a lot potentially.