Okay, let’s calculate Ryan’s rate. He has skills in finance, financial analysis, and accounting, which are in demand. He also has experience in the oil and gas industry, which is a niche. His location in Tulsa, Oklahoma, is considered a mid-sized city with a lower cost of living. Based on national averages, finance professionals with similar skills in the US can charge between $75 and $150 per hour. Considering his expertise and industry experience, I estimate Ryan’s rate to be around $125 per hour, which is slightly below the average but still competitive in his local market.