Okay, let’s tackle this. So David Harwood has 18 years of experience as a consultant, which is a significant amount of time. His skills in strategic financial planning, leadership, and management are in demand. He also has experience in investments, retirement planning, and risk management, which are valuable skills. Location is Tyler, Texas, which is a smaller market. Considering his experience and skills, I would estimate his hourly rate to be around $150. This is a reasonable estimate, considering the average hourly rate for consultants with similar experience and skills in the United States. Some top consultants can charge higher rates, but $150 seems like a fair estimate for Harwood's level of expertise and experience.