Okay, let’s break this down. Justin has a Master’s in Health Finance & Management from Johns Hopkins University, which is a reputable institution. He has 3+ years of experience in finance, including 2 years at KPMG Advisory, a professional services firm. His skills in analysis, financial modeling, and strategic planning are in demand. However, considering his location in Baltimore, MD, and his experience in a specific industry (health finance), I'll estimate his rate lower than what a finance expert in a major city like New York or San Francisco might charge. Averages for finance professionals with similar experience and skills in the Baltimore area are around $100-$150 per hour. So, I'll estimate Justin’s rate at $125 per hour.