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A journey toward financial clarity

Have you ever felt lost around your personal finance? You work hard, are reasonable with your spending - yet at the end of the month it just doesn't add up. It doesn't make sense, and deep down you know that you could do better. 

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You are not alone. Professionals are dedicated individuals, navigating a complex world without much room for error. You look after everyone (and sometimes everything) - but this is often at the expense of your personal finance.   

Always a squeakier wheel to oil.  
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But here is the thing - whether you recognize it or not, you are a player in a game, as an income earner, a taxpayer - perhaps a partner or provider running a "household LLC".  And later as a retiree, requiring funding when the earned income stops.     
 

That's a lot to navigate.

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This is the game of money we are all in, but only few were taught how to play.  


Ten years ago I co-founded a psychotherapy practice with my wife. It was rough: student loans, kids, family logistics and the sheer complexities of figuring the business and financial side - we were in the thick of it. Thankfully I already had quite a bit of business experience and my training as a pilot helped me organize and execute efficiently. Bit by bit we managed to put the pieces together.
 

​​​​​​​​​​I will use my experience in business and my understanding of money to teach you. But more than that, we work together in very practical ways from basic budgeting to long term goal setting. I make sure you take the right steps, in the right order so that you quickly gain clarity and can begin the journey toward financial independence.

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​Money is the tool that we need to master, but the goal is reclaiming 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!  

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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.

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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 like a flight plan, and in many interesting ways, life is like a flight itself with its different phases, change of direction, and weather systems along the way.

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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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