Okay, let’s calculate. David has a certification from The American College of Financial Services, which is well-respected. His skills in financial planning, retirement planning, and wealth management are in demand. Location is Houston, Texas, which is a major financial hub. According to the Bureau of Labor Statistics, financial planners in the Houston area typically earn around $85,000 per year. However, considering his certification and expertise, I would estimate his hourly rate to be around $125. This is slightly higher than the average rate for financial planners in the area, but reflects his advanced education and skills.