Okay, let’s tackle this. So Kerri has a solid set of skills in accounting and process improvement, which are valuable in many industries. However, her location in St Cloud, Minnesota, is a smaller market compared to major cities like New York or San Francisco. This could impact her earning potential. Considering her skills, I'd look at national averages for financial analysts in the US. According to the Bureau of Labor Statistics, the median annual salary for financial analysts in the US is around $76,000. Since Kerri has a strong skillset, she might be able to command a higher rate. However, given her location, I'll estimate her hourly rate to be on the lower side of the national average, around $75 per hour.