I'm Micki Childers Ericksen, a financial educator who helps families understand the money concepts school never covered. My focus is education, planning, and legacy.
I'm Micki Childers Ericksen, a WealthWave Financial Services educator and consultant based in Utah and serving families in St. George, Salt Lake City, and clients nationwide. I believe the most powerful thing I can do for families is teach them what the financial system never bothered to explain.
Whether you're building wealth for the first time, protecting what you've earned, or planning a legacy for the people you love, I'm here to help with clarity, honesty, and a real plan.
"When you think money, think Micki!"
"Financial literacy isn't a luxury. It's the foundation every family deserves."
I use proven resources from HowMoneyWorks.com alongside personalized consulting to give you both the knowledge and the roadmap.
Schedule a consultationThese tools from HowMoneyWorks.com are a great first step. Explore them, then let's talk about how they apply to your life.
5 questions to test your financial literacy. 76% of people can't answer all 4 correctly. Are you ready?
Take the challengeA simple, powerful formula for estimating how fast your money will double at any interest rate.
Learn the ruleThe guide to financial security they should have given you in school. Finally, a clear path.
Explore the milestonesRethink how parents leave a legacy, and why starting early makes all the difference for your children.
Take a closer lookAn investment in knowledge pays the best interest., Benjamin Franklin
Marriage changes everything on paper. Beneficiary designations, powers of attorney, account ownership, and your will all need to reflect your new life together. Most couples never think to check any of it, and that gap can cost your family dearly.
Read moreA new baby is one of the most meaningful financial turning points a family faces. Life insurance, emergency savings, beneficiary designations, and a will all move from "someday" to "right now." Here's where to start.
Read moreRetirement isn't just the end of a paycheck. It's a full restructuring of your financial life. Income, healthcare, taxes, and legacy planning all shift the moment you stop working. The families that navigate it well start thinking about all of it before they leave.
Read moreA 2026 Trust & Will report found that 56% of U.S. adults have no will, no trust, and no power of attorney. That number hasn't moved in years, despite more awareness than ever. The gap isn't knowledge anymore. It's action.
Read moreMost people, when they think about estate planning, think about a will. But a will only handles one part of the picture. There are three other documents your family may need just as urgently, and most people don't have any of them.
Read moreMost families have a plan for the house and the bank accounts. Almost none have a plan for the digital life that runs alongside them. In 2026, digital assets are an official estate planning concern, and most people are completely unprepared.
Read moreA record 55% of Americans say their financial situation is getting worse. Prices for housing, healthcare, and energy have climbed faster than most people's incomes. The squeeze is real, and feeling it doesn't mean you've done something wrong. But there are moves that help.
Read moreA new Fidelity analysis found that someone retiring at 65 in 2026 can expect to spend an average of $185,500 on healthcare during retirement. That number jumped 7.5% from last year. And more than half of pre-retirees believe Medicare will cover all of it. It won't.
Read moreThe Social Security Administration has projected the trust fund could be depleted by 2032. If that happens, benefits could be cut by roughly 24% across the board. Whether or not it gets there, relying on Social Security alone was never a solid retirement plan.
Read moreMost people think of life insurance as something you buy, put in a drawer, and hope your family never needs. Indexed Universal Life insurance works differently. It builds cash value tied to a market index, with a floor so you don't lose ground in a bad year.
Read moreThe moment you own real property, you have an estate. If something happens without a plan in place, that home goes through probate, a public court-supervised process that can take a year or more and costs your family time and money at the worst possible moment.
Read moreMoney is one of the leading sources of stress in relationships and one of the least talked about topics before couples commit to a life together. Most people spend more time planning a wedding than planning their financial future as a team.
Read moreThere's a reason your bank sends you a glossy brochure about savings accounts but never explains compound interest. Depending on which side of it you're on, it can either build your wealth quietly for decades, or quietly drain it.
Read moreI've had this conversation more times than I can count: a family discovers after losing a loved one that there's no trust, no clear plan. Everything is tied up in probate court for months. It doesn't have to be that way.
Read moreMost people know they should be saving for retirement. But very few have actually asked: how much will I actually need? That's not a reason to avoid the conversation. It's the reason to have it sooner.
Read moreNo pressure, no jargon. Just an honest conversation about where you are financially and where you want to go. I offer a free consultation to get started and serve clients nationwide, based in Utah with roots in St. George and Salt Lake City.