Financial multimodal reasoning requires agents to coordinate numerical computation, retrieval, visual interpretation, and temporal grounding across heterogeneous evidence sources. Existing tool-augmented agents improve execution fidelity, yet remain largely stateless across episodes, repeatedly rediscovering reasoning strategies and failure patterns. In high-stakes financial settings, this leads to unreliable tool routing, noisy retrieval, and hallucination-prone reasoning. We present FinAcumen, a financial reasoning agent framework centered on selective experience memory for tool-augmented multimodal reasoning. FinAcumen accumulates financially grounded reasoning experience from prior trajectories, distilling successful strategies and failure-derived cautionary rules into a persistent memory bank. During inference, retrieved experiences condition reasoning only when semantic relevance exceeds a calibrated threshold, while irrelevant memory is explicitly suppressed through a fallback mechanism. A deterministic financial tool environment further grounds numerical computation, retrieval, visual decoding, and answer verification.Across four financial multimodal reasoning benchmarks, FinAcumen consistently improves a frozen 8B vision-language model over finance-specialized models and approaches leading proprietary general-purpose models. Further analysis shows that selective experience activation improves reasoning reliability under retrieval uncertainty. Our code is anonymously available at https://anonymous.4open.science/r/FinAcumen
We identify and formally characterize credit misassignment as a systematic failure mode of GRPO in tool-augmented multimodal search agents: its uniform broadcast of trajectory-level advantages to all tokens causes valuable tool-use steps in failing trajectories to be penalized no differently from valueless ones. We further empirically quantify the scale of this phenomenon. Over half of failing trajectories and failing tool-use actions exhibit correctable credit misassignment, demonstrating that the wasted training signal is both substantial and structurally exploitable. Building on this insight, we propose Tool-Aware Policy Optimization (TAPO), which exploits the parameter-determinism property of information-acquisition tools: similar call parameters define equivalent information-acquisition actions and should therefore share comparable action credit. TAPO constructs counterfactual witnesses within the current training batch and compensates misassigned negative credit via confidence-gated conservative advantage correction. It requires no additional annotation, models, or sampling, and introduces negligible computational overhead. Across multiple multimodal search benchmarks, TAPO delivers consistent, plug-and-play improvements over strong baselines for three mainstream RL algorithms (GRPO, GSPO, and SAPO). Our code and models will be publicly released upon acceptance.