Okay, so Nicole Wheeler has a solid skill set in finance, but her experience and location are somewhat limited. She's in Baltimore, MD, which is not a major hub for finance. Her skills are in demand, but the market rate for financial analysts in this area is relatively low. According to the Bureau of Labor Statistics, the median annual salary for accountants and auditors in the Baltimore-Columbia-Towson, MD metropolitan area is around $63,000. Considering her skills and experience, I'd estimate her hourly rate to be around $75, which is slightly below the market average. However, this is just a rough estimate and may vary depending on the specific industry, company, and job requirements.