Okay, let’s tackle this. So Richard Kowalsky has 36 years of experience as an insurance owner, which is a significant amount of time. His skills include insurance, customer service, marketing, and strategic planning, which are all in demand. However, his experience is more in the agency side rather than direct sales or consulting. Location is Saugus, MA, which is a suburban area with a lower cost of living compared to major cities like Boston. Insurance professionals with his level of experience and skills might average $100-$200 per hour. Considering his agency ownership role, I'll estimate around $150 per hour, which is on the higher end for an insurance professional with similar experience and skills.