Okay, let’s tackle this. So John Dalton has a broad range of skills in finance, including mortgage lending, financial planning, and risk management. His experience in accounting and banking also adds value. Location is Westfield, Indiana, which is a smaller market. Considering his skills and experience, I would estimate his hourly rate to be around $125, which is slightly below the national average for finance professionals in the US. This is because he lacks a graduate degree or specific certifications like CFA or CAIA, which are commonly associated with higher rates. However, his experience in mortgage lending and financial planning is still in demand, especially in smaller markets.