Okay, let’s tackle this. So Charles has 42 years of experience in the financial industry, which is a long time. His skills include insurance, investments, financial analysis, sales, customer service, management, and portfolio management. These are all in-demand skills, especially in the financial services industry. However, his experience is not in a specific role, like a C-suite position or a high-level investment banking role. His location is Fargo, North Dakota, which is not a major financial hub. Considering these factors, I estimate his hourly rate to be around $75, which is on the lower end of the spectrum for financial professionals with similar skills and experience. Some financial analysts and planners can charge upwards of $150-$200 per hour, but Charles’s role and location put him at the lower end of the scale.