Okay, let’s calculate this. Albert has a broad range of skills in finance, banking, and risk management. His certification as a Certified Public Accountant from New York State adds credibility. Location in Greater Philadelphia might affect his rate compared to other major cities. Considering his skill set and certification, I'd estimate his rate to be around $125 per hour, which is slightly below the national average for finance professionals with similar credentials. This rate is also in line with what I'd expect for a Certified Public Accountant in the Mid-Atlantic region.