Okay, let’s tackle this. So Matthew Waldron has a mix of skills in finance, real estate, and credit. He’s got a certification from the CFPB, which is a good sign. Location is Baltimore, MD, which is not a major financial hub but still has a decent cost of living. Considering his skills and certification, I’d estimate his rate to be around $125 per hour. This is slightly lower than what you’d expect for a finance expert with similar skills in a major financial center, but still reflects his experience and certification. Some finance professionals with similar skills in major hubs might charge $150-$200 per hour, but this is a more conservative estimate for someone in a smaller market like Baltimore.