Okay, let’s calculate this. David has skills in financial analysis, fixed income, and asset management, which are in demand. He also has experience in management and public speaking. Location is St Louis, Missouri, which is not a major financial hub like New York or San Francisco, so rates might be lower. However, considering his skills, I’d estimate around $125 per hour, which is below average for finance professionals in major cities but still competitive for St Louis. This rate is also influenced by the fact that he doesn’t have any specific certifications or a high-level title, which typically command higher rates.