Hi theduzzi813,
First off, a 720/Q44 is an outstanding score (it's above the 90th percentile overall), so you should apply to any Business Schools that interest you. Finance Programs tend to place a greater emphasis on an applicant's Quant Scaled Score; your Q44 is not going to impress anyone though. While it won't get you rejected, it's not going to 'help' your applications. Since the Schools that you named are all so competitive, you have to make sure that your OVERALL application is as strong as possible AND that you present yourself correctly.
This is all meant to say that you would likely benefit a great deal from working with an Admissions Expert. There is a Forum full of them here:
ask-admission-consultants-124/I would go with whatever advice you receive from those Experts. Academically, retaking the GMAT is probably NOT necessary, but if you could make a significant improvement to your Quant Scaled Score, while maintaining your scores in other areas, then that could only help your overall chances at getting accepted to any (or all) of these Schools. If you do decide to retest, then you should post back here and we can talk through some study options.
GMAT assassins aren't born, they're made,
Rich