Okay, let’s tackle this. So Ricardo Fencl has a mix of accounting, financial analysis, and management skills, which are in demand. However, his lack of formal education and limited experience in a specific industry or company might put his rate on the lower side. Considering his skills, he might be able to charge around $75 per hour, which is on the lower end of the spectrum for an accountant or financial analyst with similar skills. But since he doesn’t have a degree or significant experience, we need to be cautious not to overestimate his earning potential.