Okay, let’s tackle this. So Jeff Richards has a mix of finance and business skills, which is valuable. He has a degree from Western Michigan University, which is a solid educational foundation. However, his skills don’t seem to be in high-demand areas like investment banking or finance for large corporations. He has skills like forecasting, financial analysis, and negotiation, which are useful but not extremely rare. Considering his location in Byron Center, Michigan, which is a smaller city, his rate might be lower than in a major city like New York or San Francisco. Average rates for finance professionals with similar skills in the US might range from $50 to $100 per hour. Given his skills and location, I estimate his rate to be around $75 per hour.