Okay, let’s calculate this. Richard has a mix of management, leadership, and nonprofit skills. His certification in CompTIA Security+ suggests some technical expertise. However, his education is limited to vocational training, which is not as valuable as a college degree. Location is Baltimore, MD, which is not a hub for tech or finance jobs. Considering his skills, experience, and education, I estimate his hourly rate to be around $75, which is below average for a professional with his background. This is because his education and certification do not match the high demand for tech or finance professionals in the US job market.