Okay, let’s tackle this. So Lee Owens has skills like Fixed Annuities, Retirement, Financial Services, and Sales Management. He also has working proficiency in languages like Arabic, Maltese, and Spanish. Location is Buffalo-Niagara Falls Area, which is a mid-sized market. Financial professionals with similar skills in this region might charge around $75–$100 per hour. Considering his education from Christopher Newport University, maybe slightly lower. Some financial advisors in this area might average $60–$80 per hour. So I’ll estimate around $75.