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A journey toward financial clarity

People I meet often tell me they are so busy taking care of everything and everyone, that they don’t have time for their personal finance. The real challenge is often that they don’t know where to start, or whom to talk to – the topic may seem complicated, unfamiliar, or even dreaded… and there is always a squeakier wheel to oil.

Truth is - neglecting your finances is costly over time, Yet the challenge is not hard to beat, nor expensive to meet. Don't wait. 

I am here to help. Get a conversation going, and uncomplicate the subject by teaching strategies and frameworks that make personal finance easy to navigate. Together we can sort out the technicalities and create financial efficiency, and reframe your current money narrative into a story that makes sense and resonates.

I am passionate about personal finance because of the difference it can make in our lives and those around us. When coaching, I use an integrated approach because "financials" are only part of the equation. Money in the bank makes little sense without a roadmap that fits into your timeline and phase of life. 


My journey toward financial clarity began with an insight that developed during a year when I stopped working in order to care for my cancer-stricken dad. With his time running out, and I with the freedom to give him mine, I began to put the pieces together. It wasn't about money in the bank, as much as having no debts. I realized that debt mortgages our time. When we eliminate debt, we free up time. When we free up time we can spend it where it matters the most. Money is the tool that we need to master, but the goal is time. It's all we got. 

Freedom by Nielsen Financial Counseling

Meet Tom 

I am a Copenhagen, Denmark native, living in Arizona since 2002 with my awesome and patient wife, Magali. We raised a family and went through the motions of family logistics and tight household budgets. We hammered away at student loans, while trying to put in a bit for retirement. Payday couldn't come soon enough!  

I was a corporate airline guy for 14 years followed by 20 years of small business ownership, working through all the phases of start-up, management, and sale. My life would have been boring if I'd made all the right moves. Thankfully, I made plenty of mistakes, so I kept learning, and by my mid-40'ties was able to semi-retire.

My formal training is as a commercial pilot and I am also an FAA certified flight instructor. This background in aviation has influenced how I think about money and beyond. For instance, a budget is akin to a fuel calculation, and in many interesting ways, life is like a flight plan with its different phases of flight, change of direction, and weather systems along the way.

Short Bio:

Born in Copenhagen, Denmark

Scandinavian airlines 1988-2002 (operations, media, teaching) 
Co-owner, Direct Import 1989-1992 (apparel: import, distribution, sale) 
Danish College of Airline pilots 1997-2000 (CPL, MEIR)
Taxi pilot, various operations 1999-2002 
Moved to Tucson, AZ.  2002-present
Real Estate certification, 2004
Real Estate Investment / management, 3 single-family homes, 2004-present 
Owner, ServiceMaster Franchise 2003-2013
Owner, Oro Valley Carpet cleaning 2013-2020

Co-founder, Psychotherapy practice 2015-present
Owner / Flight Instructor, Arizona Sky Surfing 2016-2020

Owner Nielsen Financial Counseling, 2022-present


Financial independence
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