Okay, let’s tackle this. So Brad has a Series 65 certification from FINRA, which is a well-known certification in the financial industry. He also has skills in investments, banking, and wealth management, which are in demand. Location is McKinney, Texas, which is not a major financial hub. Considering his certification and skills, he might charge around $75 per hour, which is a relatively lower rate compared to other financial professionals with similar certifications and skills. This rate is also lower than the average rate for financial advisors in the United States, which is around $100-$200 per hour. So, this rate is a bit on the lower side, but still reasonable considering his location and certification.