Okay, let’s break it down. Richard has a mix of skills that are in demand, but his location in the New York City Metropolitan Area might limit his earning potential compared to other parts of the country. His skills like Sdlc and Financial Services are valuable, but the rate for these skills can vary widely depending on the industry and company. A more conservative estimate would be around $100–$150 per hour for a Business Analyst or Consultant in this area. Considering his experience and skills, I’d estimate his rate to be around $120 per hour.