Okay, let’s break this down. Javier has a broad range of skills in banking, risk management, and financial analysis, which are in demand. His experience in executive management, leadership, and accounting adds to his value. However, his location in Columbia, South Carolina, is a smaller market compared to major financial hubs. According to national averages, professionals with similar skills in the US can charge between $80-$150 per hour. Considering Javier’s experience and skill set, a rate of $125 per hour seems reasonable, which is slightly below the national average but still competitive for a smaller market.