Okay, let’s calculate this. So Xiaoyu has skills like Bloomberg, financial modeling, and wealth management, which are in demand. She has a degree from The Johns Hopkins University, which is a reputable institution. Location is Baltimore, Maryland, which is a hub for finance. According to Glassdoor, a financial analyst with similar skills and experience in the US can earn around $80,000–$110,000 per year. Considering her skills and education, I’d estimate her hourly rate to be around $125, which is slightly below the average for a financial analyst but still competitive for a recent graduate or someone with limited experience.