She received a Ph.D. in Personal Financial Planning and a MBA in Management from Texas Tech University. Dr. Ricaldi currently teaches several financial planning courses including introduction to the PFP profession, risk management and insurance, and the financial planning capstone course. Her research interests include credit card use, debit card use, financial literacy, gender issues and generational cohorts. She enjoys working on financial planning research that directly impacts financial planning practitioners as well as extending the applications to the community in Utah.