I think there are better ways to spend your money than on a private tutor. A friend of mine hired one to help him in verbal and didn't do so well. I took Kaplan's classroom course and found it more than adequate in preparing me. Most instructors hold office hours and were quite helpful. The real value I think in these test prep companies are the libraries of materials they hold. The subject and topical tests at Kaplan, although very demoralizing, were really helpful. For verbal, I think you have to field several strategies and pick which one works best for you. Kaplan didn't help me much in that section. Point is that if you put in the work, your investment should pay off. As for a study schedule, I would hit the material hard now, take whichever test prep co's exams, and taper off with recent aamc (really gets your confidence up before the exam).
Hope this helps