Biography

I received my BBA in accounting from Texas Tech University. I worked for the Bank of New York in New York City as a mutual fund accountant for a year before moving back to Texas. Once in Texas, I completed my MBA with an emphasis in Management & Leadership in 2008.

In my last semester of my MBA coursework, I took a personal finance class, and it changed my life and career! I decided I wanted to help people reach their financial goals. The best way to have the impact I wanted was to work on a PhD so I could teach others how to help families and clients. I began the PhD in Personal Financial Planning at Texas Tech University and graduated before moving to Utah.

I have several years of teaching experience, both online and face-to-face. I enjoy UVU's engaged learning mission and try to bring as much to the classroom as possible. I love being a part of UVU's nationally recognized Personal Financial Planning program. A part of the program that I enjoy is to mentor and coach students who are getting ready for the CFP® Exam. In my free time, I enjoy spending time with my family (especially glamping in our RV), hand embroidering, and reading.

Education

PhD, Texas Tech University, 2015

Major: Personal Financial Planning

MBA, Texas Tech University, 2008

Major: Management and Leadership Skills

BBA, Texas Tech University, 2004

Major: Accounting

Teaching

FIN 2210

Life Love and Money, Summer 2026

FIN 3220

Risk Management and Insurance, Summer 2026

FIN 6060

Financial Planning for Professionals, Spring 2026

FIN 2210

Life Love and Money, Spring 2026

FIN 2210

Life Love and Money, Spring 2026

FIN 3220

Risk Management and Insurance, Spring 2026

Presentations

Ricaldi, Laura , UVU Symposium on Teaching and Learning 2026, "Grading with Fresh Eyes_ Specifications Grading in a Large GE Course", OTL. (March 26, 2026)
Ricaldi, Laura , UVU Office Hours YouTube, "Office Hours_ Financial Literacy ", UVU Marketing. (November, 2022)
Ricaldi, Laura , Roots of Knowledge, "Managing Risk_ Then and Now", UVU Library, Roots of Knowledge, Orem Utah. (February 10, 2022)
Farnworth, Xanthe , Seeley, Eugene , Ricaldi, Laura , Ortega, Xiaoli , International Teaching Forum, "The Effects of Peer and Lab Reviews on Business Student Writing", Office of Teaching and Learning, Utah Valley University. (December 10, 2021)
Ricaldi, Laura , International Teaching Forum, "Engaging Student Learning with Real Case Study Clients", Office of Teaching and Learning, Utah Valley University. (November 9, 2018)
Huston, Sandra (Presenter & Author), Ricaldi, Laura (Author Only), 2017 AFCPE® Annual Research & Training Symposium Program, "Credit Card Myopia", Association for Financial Counseling and Planning Education, San Diego, CA. (November, 2017)

Scholarly/Creative Works

Ricaldi, Laura , (2026) "A Comparison of Risk Willingness Between Same-Sex and Different-Sex Couples_ A Quasi-Experimental Approach" (Issue: 3, vol. 14). Risks. https://www.mdpi.com/2227-9091/14/3/64
Ricaldi, Laura , Jaramillo, Matthew , "Credit Card Use and Time Management" .
Ricaldi, Laura , Martin, Terrance , Huston, Sandra J, (2022) "Financial Literacy and its Impact on the Credit Card Debt Puzzle" . Financial Services Review.
Farnworth, Xanthe , Seeley, Eugene , Ricaldi, Laura , Ortega, Xiaoli , Miller, Ronald , Seshadri, Sri , (2021) "The Effect of Peer and Lab Reviews on Business Student Writing" (Issue: 1, vol. 22). Mountain Plains Journal of Business and Technology. https://openspaces.unk.edu/mpjbt/vol22/iss1/5/
Mattia, Laura , Ricaldi, Laura , "Female Financial Confidence, Knowledge, and Anxiety" . Journal of Personal Finance.
Martin, Terrance K, Augustin, Lua AV, Ricaldi, Laura , Nunez, Jose , (2020) "The Effect of Student Loans on Parental Views of Education Financing" . Journal of Financial Planning.

Awards

Provost’s Student Success Award

UVU Provost - April 2, 2026

The Provost’s Distinguished Award—an exceptional achievement that recognizes her remarkable dedication and impact within our university community. The Provost's Student Success Award is one of the highest honors given by Academic Affairs, to exceptional UVU employees, acknowledged by your peers to be outstanding in your profession and embody the exemplary character traits and work ethics. Academic Affairs is honored to recognize the excellent work you do for UVU.
You were nominated for this award by Benjamin Cummings, and your nomination was judged based on your demonstration of excellence in furthering the mission of the University through innovation, creativity, service, dedication, leadership, efficiency, exceptional performance, contribution to the University, effectiveness, or inclusion within Utah Valley University.

UVU Sighting

March, 2026

Sighted by Tairsa Mathews for mentoring her from her graduate studies to being colleagues at UVU.

UVU Sighting

August, 2025

Sighted by Luke Dean for mentoring FIN 3060 students and for developing the FIN 2210 class to help students succeed.

UVU Sighting

August, 2025

Sighted by Richelle Andersen for helping with UVU College Day.

Spot Award

Utah Valley University - April, 2024

The Woodbury School of Business Finance & Economics Department would like to recognize your exceptional contributions and dedication to our department's success on behalf of our students, faculty, and staff by awarding you with a $500 Spot Award.

Your outstanding dedication as the leading instructor for the CFP exam prep course has been instrumental in preparing our students for success, significantly increasing their pass rates. Your expertise, commitment, and innovative teaching methods have not only enhanced our students' learning experience but have also contributed to their professional readiness and confidence in taking the CFP exam. Your efforts have set a high standard of excellence and have had a profound impact on the future careers of our students.

Congratulations! Your dedication has made a significant impact on the future of our students, and I'm thrilled to have you on our team!

Rick Kahler Trailblazer Award

Personal Financial Planning Program - March, 2024

Rick Kahler Trailblazer Award_ Motivates their students to grow, expand, and become better professionals, helps students excel in their coursework, goals, and career exploration, shows they are continuing to become a better professor and mentor, and seeks opportunities for self-growth and self-improvement as a professor.