Okay, let’s calculate Kim’s rate. So she has 8+ years of experience as a financial analyst, which is a solid amount of time to develop skills. Her Master’s degree in Finance from the University of Missouri is also a plus. Certification in Financial Planning (CFP) and Financial Analyst (CFA) adds to her credibility. Location is Lees Summit, Missouri, which is a mid-sized city. Financial analysts with similar experience and credentials in the US can charge around $75–$150 per hour. Considering her education and certifications, maybe around $90 per hour. Some financial analysts with similar experience and credentials can charge $120–$180 per hour, but that might be too high for Kim. So, I’ll estimate around $90 per hour.