Okay, let’s tackle this. So Joyce Kory has 25+ years of experience in wealth management, which is a significant amount of time. Her experience as Chair of the Florida Advisory Board at Wescott Financial Advisory Group, LLC, and Senior Vice President and Manager of the Wealth Management Division at Gibraltar Private Bank & Trust, indicates a high level of expertise. However, her location in Miami, Florida, might put her in a slightly lower rate bracket compared to other major financial hubs. Considering her extensive experience and industry-specific skills, I would estimate her hourly rate to be around $125. This is slightly below the average for financial advisors with similar experience, but it's still a competitive rate considering her location and the fact that she's not a CFA charterholder or a portfolio manager.