Spring 2022 Newsletter

Strategic Planning Group 1

C O N T E N T S 

Ryan Craner 

shares some 

great strategies 

to consider. pg. 3 - 5 

pg. 3 

Lions, Tigers, Bears, Oh My! 

Inflation, The Fed, Recession, Oh My! 

by Ryan Craner 

Ryan shares some important insights and 

reminders regarding the market concerns. 

pg. 6 

Be Greedy When Others Are Fearful 

by John Park 

John recommends some helpful strategies 

as fear of events encompasses us. 

pg. 8 

In Hindsight: 

Let History Be Your Guide 

by Tom Craner 

Tom takes us through a decade of events as 

we try to navigate towards long-term goals. 

pg. 10 

Are We Recklessly Optimistic? 

by Alex Craner 

Alex helps us recognize that downturns are 

a part of the volatility an investor must bear 

to earn stock market returns. 

pg. 13 

Banana Bread Recipe 

by Heather Cunningham 

Enjoy one of Heather's favorite recipes. 

pg. 3 



pg. 14 

Meet the Team 

Introducing the new members of the office. 




By Ryan Craner 

Taking the client advocate and consumer protection approach, Ryan has always viewed every 

client as a long-term and very important relationship. 

The fearmongers in the media 

are out in numbers and they 

want you to be afraid, very afraid! 

I will remind you that much 

of the fear being promoted 

is overstated. Just like the 

Lion’s, Tiger’s, and Bear’s 

fearful chant from the Wizard 

of Oz was overstated as well. 

Remember that Dorothy and 

company only saw a Cowardly 

Lion, no Tigers, or Bears! 

Recently, we have seen numerous 

reports that at first blush are 

worrisome and concerning 

regarding the economy and the 

markets. Of course, and as usual, 

the “chicken little” financial 

media and traditional media 

report these events in the darkest 

terms possible. Dramatizing and 

fearmongering the events that 

we knew already existed or we 

already knew they were coming. 

In the last several weeks we 

have heard that the economy 

measured by GDP had slowed 

in the first quarter of 2022. 

We also saw the inflation rate 

increase to 8.5%. Also expected. 

The first week of May we saw the 

Fed raising interest rates by .5% 

(as expected and announced). 

The media runs to the 

microphones and reports these 

facts as if it were a total shock to 

everyone! Well, no, the markets 

have had these events already 

factored in. We knew rates were 

going up. The Fed chairman 

and the board members have 

been announcing and telling 

us this for months. Inflation has 

been on the rise and predicted 

to be higher for months. 

The fearmongers 

in the media are 

out in numbers and 

they want you to be 

afraid, very afraid! 


It will very likely go higher still 

before it comes back down to 

tolerable levels. We know that 

based on history. Although, 

it has been 40 years since we 

last saw inflation like this, 1979 

through 1982. Somehow that is 

a reason to be more afraid and 

overreact to inflation because 

“this is the highest inflation rate 

we have seen in over 40 years!!!” 

Well, actually, that is normal! 

Would you care to guess when 

the inflation rate increased 

dramatically before the 1979-82 

high inflation period? Yep, you 

guessed it. It was 35-40 years 

before that in the mid-1940s, 

and before that? Yep, you’re 

right again, 35 years before that 

Recessions are 

normal and common 

place in long-term 

economic history. 

in the early 1900’s. So every 

35-40 years the economy goes 

through an inflationary period, 

historically for only 3 years or 

so, and yes, we can expect more 

inflation in the coming year or 

two and more interest rate 

increases from the Fed. These will 

not be surprises or unexpected. 

Also, something that is important 

to note, is that following these 

periods of high inflation, we 

have seen massive big bull 

market green zones. For example, 

following the early 1900’s inflation, 

we saw the roaring 20’s. After 

the mid-1940’s inflation, we 

saw the huge green zone of 

the 50’s and 60’s and following 

the inflationary period of ’79- 

’81, we saw the go-go green 

zone of the 80’s and 90’s. 

The seeds of market recovery 

are being planted this week. 

Another important factor to 

consider is that we have 73 

million millennials in the U.S. 

alone who are practically 

forced into buying stocks 

for the next several decades. 

Watching the market over the 

last year or so, we are seeing 

the typical patterns, and we 

are seeing the typical investor 

behavior. The markets are, as 

usual, assuming and factoring 

in inflation, rate increases, and 

yes, even a recession. Very 

important to remember on 

recession! Recessions are normal 

and common place in long-term 

economic history. Recessions are 

usually small and short lived. I see 

people assume that when they 

hear the word recession, that it 

means we are looking at 2008 

again! This is not historically true. 

Most recessions are small and 

short lived, and again, common 

place through years, even during 

green zones like the 80’s and 

the 90’s and the 50’s and 60’s. 

Don’t overreact to recession talk. 

Expansions 

and 

contractions 

are 

Normal! 

Historically, low 

points have never 

lasted long. V 

Shaped market 

recoveries are 

most common. 

Long-term discipline 

and behavior has 

always worked best. 

This means calm, 

rational, thoughtful 

behavior is the best 

course. 

REMINDERS 


Now, I mentioned investor 

behavior. Bad and inaccurate, 

predictable investor behavior 

is occurring as well. We see 

people, in general, tempted to 

sell low, and worse, suspend 

or delay new investments or 

buy ins to their investment and 

retirement accounts until the 

market is higher. Most all of 

our clients are wiser than that. 

However, sometimes you just 

need to be reassured. This article 

is part of that reassurance, 

and, of course, if you wish to 

talk further, myself and each 

of the advisors at Strategic 

Planning Group are available 

and more than happy to talk 

with you. That is part of our job. 

It should be noted that many 

of the economists and market 

analysts that we follow are 

still predicting a better end to 

2022 than the first half of 2022. 

There are still many positive 

economic catalysts in front of 

us, namely the lack of severe 

COVID policy and shutdowns, 

the low likelihood of any new tax 

increases, and the continued, 

very large, influx and importing 

of capital coming into the U.S. 

each year as a result of the Tax 

Cuts and Jobs act of 2017 (TTJA). 

Reminders About 

Investment Markets 

and the Economy: 

1. Expansions and contractions 

are normal! 

2. Historically, low points have 

never lasted long. V shaped 

market recoveries are most 

common. 

3. Long-term discipline and 

behavior has always worked 

best. This means calm, rational, 

thoughtful behavior is the best 

course. 

Things to Consider Now: 

If you have had money to invest 

but hesitated and watched markets 

go up substantially without you, this 

is a great time to buy. We believe that 

current conditions are presenting 

tremendous buying opportunities 

and tax opportunities. 

Strategies to Consider: 

1. If you have an annual 

withdrawal coming up soon, it 

could be wise to delay that until 

later this year if possible. 

2. If you are taking income out 

that is really not necessary at 

this time, delay or suspend it for 

a short time. 

3. If you are planning to buy in 

or contribute money to your 

investments and retirement 

accounts this year, this would 

be a great week to do that. 

4. For those of you that have 

considered converting all or a 

portion of your traditional IRA 

or 401k to a Roth, this could be 

an excellent opportunity to do 

that at a substantial tax savings 

while markets are lower. 

5. If you have friends, family, or 

co-workers that you have talked 

to about coming to see us, and 

it just hasn’t happened yet, 

this week is a perfect time for 

them to call and get the process 

started. These opportunities 

may not last. 

In Conclusion 

So, once again, the message 

from me and your advisors at 

Strategic Planning Group is that: 

We are not afraid. We are not 

worried about the long-term 

results. We are invested, ourselves, 

in the very same portfolios that 

you hold. We are very confident 

that we will soon emerge from 

this period of uncertainty. 

A reminder to you all, 

limit your media and news 

intake, you will feel better. 

Also remember, live your life, enjoy 

your family, friends, and your 

favorite activities and hobbies. 

Life is good and these are 

the good years! Keep that 

attitude because it’s true! 

We are watching. We are hard at 

work managing your investments. 

History shows that we are 

positioned for long-term success! 

Sources: 

CPI Home : U.S. Bureau of Labor Statistics (bls.gov) – All Items (inflation) 

https://www.ftportfolios.com/Blogs/EconBlog/2022/5/4/jerome-volcker 

https://www.ftportfolios.com/Blogs/EconBlog/2022/4/28/real-gdp-declined-at-a-1.4percent-annual-rate-in-q1 

https://www.benzinga.com/trading-ideas/21/03/20195933/cnbc-contributor-josh-brown-says-millennials-are-forced-investors-says-theres-no-reason-theydwant- 


Be Greedy When Others 

Are Fearful 

By John Park 

From investments to complicated retirement strategies, John works to educate and advice his 

clients on making smart financial decisions. 

Among many great quotable 

statements, one of my favorites 

from Warren Buffet is to be “fearful 

when others are greedy, and 

greedy when others are fearful.” 

The second part of that quote 

is what truly separates good 

investors from bad. 

When the markets are down and we 

face uncertainty in the economy, 

it’s easy to be fearful and pessimistic. 

Since it is so easy, being negative 

tends to come naturally. 

True optimism, on the other hand, 

requires you to act; assessing a 

situation, realizing all is not lost, 

and forging a path forward to 

prosperity. 

While we want to be positive and 

focus-forward, it is still important 

to be honest about current events. 

Let us talk about the negative 

for a moment, then we will 

talk about an action plan and 

positive strategy. 

When I wrote my last newsletter 

article, I quoted inflation as being 

5.4%. It is now 8.54%. Supply 

chain shortages continue to strain 

our economy. Russia invaded 

Ukraine. The S&P 500 is -11.48% 

YTD. The NASDAQ is down 

-19.26% YTD. COVID version “X” 

is cropping up. Need I go on? 

You get the picture. There is no 

shortage of negative news. 

Here is what I recommend 

going forward: 1) Be smart with 

your existing investments. 2) 

Take advantage of downside 

strategies. 

Be Smart with Your 

Existing Investments: 

Stocks, bonds, mutual funds, 

and exchange traded funds are 

assets. They are real, monetary 

instruments and assets. Do not 

be reckless with them. Simply 

put, do not sell them when they 

are down. I cannot emphasize 

that enough. It sounds so simple, 

but the best advice often is. 

Admittedly, simple does not always 

mean easy, and in most cases, is 

much harder to practice. 

Maybe a different perspective 

will help you not be tempted 

to dump important investment 

assets when they are down. 

When you hold a certain number 

of shares in an investment, the 

decrease of market value does 

not evaporate your shares. You 

still own the same number of 

those assets. Let’s say you own 

1,000 shares of Amazon 

(congratulations if you do) and 

the stock absolutely tanks. 

You will not be happy with the 

value of your investment, but 

you will still own 1,000 shares 

of Amazon. Why on earth would 

you dump it? You have witnessed 

firsthand what that stock can do. 

Do not panic and “sell while you 

still can.” Whether you are in 

a specific stock, or diversified 

portfolio spread across thousands 

of stocks (via funds), the concept 

is the same: you still own those 

specific shares. 

In my mind, selling stocks while 

they are down, is the same as 

selling your home because its 

value dropped. If your home 

value drops, are you going to 

sell your home, go rent a place, 

and buy again once prices go 

back up? Of course not! Yet, 

people try this all the time when 

the stock market is down. 

Some people incorrectly view 

the stock market as gambling. If 

it starts dropping, they think it 

is only a matter of time before 

they lose it all. Proper stock 

market investing is the literal, 

statistical, opposite of gambling. 

It is a fact when you gamble in 

Vegas, the longer you are in the 

casino, the more likely you will 

lose your money. This is because 

the house has the better odds 

and why, in a casino, everything 

is designed to keep you in your 

seat. 

In a properly diversified, longhold 

strategy market portfolio, 

the longer you invest, the more 


certain you are of a gain. For the 

record, I am not talking about 

a minimum of 20 or 30 years. 

The fact is, there are far more 

positive years in the markets 

than negative. For example, 

since the inception of the S&P 

500 Index in 1957, there have 

been 17 negative years in the 

market, 1 zero, and 47 positives. 

That is a positive to negative 

ratio of 2.76:1. In other words, 

for every negative year, there 

are almost three positive years! 

When you see the resilient and 

impressive nature of the stock 

market, it is easy to realize you 

should hold on to those assets 

and be greedy over them. Do 

not sell them to someone else 

for less than you paid. 

Take Advantage of 

Downside Strategies: 

Let’s talk about smart strategies 

you should be employing RIGHT 

NOW. 

BONDS 

As your advisory team, we 

automatically deploy certain 

strategies for you. One strategy 

that we use, we will have started 

years before clients even retire. 

If you are retired and utilizing 

your investments for income 

generation, we have kept you 

in a healthy amount of bonds 

or other fixed income assets to 

protect your income. The right 

kinds of bonds will help offset 

the volatility of stocks and, more 

importantly, give you a place 

to pull income from during 

negative stock periods. This is 

a perfect example of not selling 

stocks or stock funds while they 

are down. 

Starting in January this year, 

we changed our client’s income 

distributions to primarily pull 

from fixed income investments 

to do that until stocks recover. 

This is a crucial step to protect 

your stock market assets. That 

is our part. Your part is to avoid 

unnecessary large withdrawals 

or panic selling. 

In June of 2021, we felt the 

Fed was being too soft on 

inflation and not properly 

increasing interest rates. We 

figured procrastinating interest 

rate increases would mean 

they would have to get more 

aggressive later. Unfortunately, 

we were right. Fortunately, in June 

we started moving into short 

duration and other bond positions 

that are more defensive to 

inflation and rising rates. 

MARKET MOVEMENT 

Also, in January of this year, we 

moved a few aggressive stock 

funds into more conservative/ 

defensive positions. Although 

none of these were drastic steps 

like selling into cash, they have 

and will likely continue to make a 

significant difference over time. 

More often than not, making 

huge swings in and out of the 

market is more detrimental 

than market drops. You are 

not psychic, so do not try to 

be with market movements. 

Simply riding through the 

storm, holding firm to strategies, 

and exercising diligence is the 

tougher but better approach. In 

short, we do not make drastic, 

bold moves in and out of the 

market; however, we do actively 

adjust our models within certain 

reason and strategy. 

BUY 

The next smart strategy to 

employ during this time is to 

BUY, BUY, BUY. Stocks are on sale 

right now. Be greedy and gobble 

them up. We always insist you 

keep proper cash reserves and 

emergency savings. Beyond 

that, if you have excessive liquid 

funds, now would be a smart 

time to buy. If you are preor 

IRA contributions. Better yet, 

increase your contributions. Be 

greedy. 

If you are retired, not contributing, 

or can’t afford to contribute 

any more, do not worry. Your 

investments are buying on the 

dips for you. What I mean by this 

is that you have many investment 

positions still paying dividends. 

Despite their stock prices 

being down, many companies 

are still profitable and paying 

shareholders dividends. 

Take a look at your monthly 

statements so far this year. 

You will see many line-item 

transactions for varying dollar 

amounts of dividends paying into 

your account. We typically have 

these dividends set to reinvest 

automatically. This means if “X” 

mutual fund pays you a $100 

dividend, it automatically buys 

for you $100 more of that same 

fund. 

This is what we call compounding 

dividends, and it is massively 

powerful. In this scenario, not 

only do you have the same 

number of shares before the 

dip began, but you also gain 

more if you reinvest dividends. 

This will act as a compounding 

growth factor as things recover. 

Congratulations, you were 

greedy and gained more shares 

while prices were down. 

STAY INVESTED 

I urge you to stay invested. Do 

not panic when things decline. 

Market dips are temporary, they 

always have been and always 

will be, perhaps until the world 

ends. Hopefully if that ever 

happens, you and I are onto 

bigger, better things! In all 

seriousness, in the markets and life, 

those who remain optimistic, 

stay diligent, and follow a plan 

tend to fare far better than those 

who are pessimistic and panic. 

Sources on page 8 


In Hindsight: 

Let History Be Your Guide 

By Tom Craner 

Tom engages in life-long client-advisor relationships, utilizing long-tested financial strategies 

that are focused on consumer protection. 

There has been recent tumult 

in the markets, and I am 

sure you have noticed. We are 

hearing reports of “runaway 

inflation” and “a 2008 style 

recession.” Nevermind the fact that 

predictions of these events are 

more common than dandelions 

in the springtime. 

Remember all the times and 

events that caused panic and 

fear? Let’s take this opportunity 

to go over the biggest stories of 

the past 10 years and see why 

we should be confident, despite 

the similar fearmongering 

headlines we see today. We can 

ask ourselves if our collectively 

short memory is causing us 

to relive the same negative 

emotional state regarding our 

investments that we have seen 

before. 

A DECADE IN REVIEW 

2011 

We hit the debt ceiling, saw 

“Occupy Wall Street” protests 

erupt, witnessed the Greek 

economy collapse, and for the 

first time in history the S&P 

downgraded U.S. debt. 

2012 

We approached what the 

fearmongers called the “Fiscal 

Cliff.” 

2013 

The IRS overreached and was 

proven to have engaged in audit 

malpractice, Detroit declared 

bankruptcy, and there was a 

federal government shutdown. 

2014 

We lived through the Ebola 

epidemic, saw fighting in 

Ukraine, and Russia’s annexation 

of Crimea despite world-wide 

condemnation, the Israel-Hamas 

conflict began, we saw the rise 

of ISIS, and a major migrant crisis 

consisting of unaccompanied 

minors took place on the 

southern border. 

2015 

The Greek economy was bailed 

out, and the IRS was hacked by a 

Russian crime syndicate. 

2016 

We saw Great Britain finally 

leave the EU (Brexit), and the Fed 

increased rates in the U.S. 

2017 

Despite the first major tax cuts 

passed in decades, the Fed 

increased rates even further. 

2018 

We witnessed an intra-year 

market correction of over 20% 

in December, we began a trade 

war with China, unemployment 

fell to a 49-year low, the Fed 

increased rates yet again, and 

we saw many headlines about a 

“global economic slowdown.” 

2019 

The yield curve inverted, the 

Fed lowered rates, the federal 

government shutdown again, 

and COVID-19 began spreading 

in China. 

2020 

The people in Hong Kong 

protested for their independence, 

and unfortunately lost, while 

COVID-19 became pandemic, 

followed by a 34% market 

correction in March and April, 

Black Lives Matter rioted in cities 

throughtout the summer 

resulting in billions in damages 

and dozens dead, a record 

earthquake hit Utah, and to 

top it off, the murder hornets 

invaded. 

2021 

We saw the January 6th protests, 

abrupt military withdrawal from 

Afghanistan and subsequent 

Taliban takeover, more COVID-19 

variants, and inflation at its 

highest since 1990. 


Hearing all of that at once might 

cause one to think that we just 

lived through the end of the 

world. If, in 2011, I came to you 

and showed you everything I 

just mentioned using a crystal 

ball, would you decide to invest 

in the stock market? I doubt it! 

Well, here is the kicker: during 

that same period (2011-2021) 

the S&P 500 grew from 1,271 

points to 4,766 points. Almost 

quadrupling in value! 

The point is this: The headlines 

from the fearmongering news 

media will always be scary. 

International and domestic 

financial, economic, and political 

events will always feel absolutely 

important at the time they 

happen. The emotional reactions 

we have to these events will 

always feel reasonable. 

Strategic Planning Group once 

again asks our clients to 

remember their past. For all the 

market’s history, there has never 

been a market drop or recession 

that we have not recovered from 

(and subsequently broken new 

records). There has also never 

been an apocalypse or a societal 

collapse despite the constant 

predictions by various pundits 

and commentators. We can 

always find a reason to fear the 

future and stay stuck in the past. 

As always, our advice is to 

remember the basics and stick to 

the plan. Liquidity, diversification, 

and most importantly, forward 

thinking. Do not let current news 

cycles and fearmongering pull 

you away from the path that has 

prevailed successfully through 

the decades. Stay optimistic and 

with thoughts towards the longterm, 

and do not forget to enjoy 

the wild ride of life. 

https://infoplease.com/search/Year+in+review?page=1 

https://www.telegram.com/story/business/manufacturing/2011/06/17/stocks-on-track-for-first/49996614007/ 

https://www.macrotrends.net/2324/sp-500-historical-chart-data 

John’s Sources: 

https://ycharts.com/indicators/us_inflation_rate#:~:text=US%20Inflation%20Rate%20is%20at,month%20and%202.62%25%20last%20year 

https://finance.yahoo.com/ 

https://www.macrotrends.net/2526/sp-500-historical-annual-returns 


Are We Recklessly Optimistic? 

By Alex Craner 

Comprehensive counseling with achievable and time-based goal setting for retirement and 

estate planning, without secrets or short-cuts, are ingrained features of Alex’s services. 

Since the beginning of 2022, 

we have had to endure a 

significant double-digit market 

downturn. This has, unsurprisingly, 

created a lot of worry and 

doubt in many of our clients. 

It is important to us that we 

are never cavalier about the 

emotions of our clients because 

we understand that these 

market lows can feel painful 

in the moment; however, it is 

crucial to recognize that these 

downturns are part and parcel 

of the volatility an investor 

must bear to earn stock market 

returns. 

One might respond to this 

by thinking, “Of course I 

understand this, but a doubledigit 

downturn seems pretty 

extreme.” While it may seem 

extreme, downturns of this 

size are not only common, 

but historically, they are quite 

frequent. So frequent, in fact, 

that since 1980 there has been 

an average intra-year market 

downturn of -14%. Despite that 

being the case, 32 of the last 42 

calendar years were positive. 

This trend can be observed in 

the below graph. The red dots 

indicate the point during each 

calendar year since 1980 where 

the stock market was at its 

lowest point, while the gray bars 

display the ending market return 

for each year. 


This is all to say that what we 

have been experiencing so far 

in 2022 is not only normal, but 

somewhat expected. That does 

not mean that it is easy to be 

optimistic through a market 

scenario like this one. Shorterterm 

market activity tends to 

dominate the focus on news 

media and market pundits. 

Yet, such a short-term focus 

is rarely useful to our clients, 

and investors more broadly, 

who typically have long-term 

goals with timeframes that are 

measured in years, not months 

or quarters. 

Drawdowns are a natural 

component of stock market 

investing and volatility risk 

comes with reward. Tolerance 

to volatility involves proactive 

(rather than reactive) decisions 

through proper and prudent 

diversification. This is a primary 

focus of ours when developing 

portfolios that make volatility 

more easily endured. Your ability 

to prevail through volatility will 

directly impact your ability to 

compete against inflation and 

an increasing cost of living. 

In our view, no matter where 

The key to a 

successful investment 

experience is 

refraining from 

emotional reactions. 

you stand on the suitability 

spectrum, the key to a successful 

investment experience is refraining 

from emotional reactions to 

short-term noise and keeping 

your mindset in line with your 

long-term goals and objectives. 

Source: FactSet, Standard & Poor’s, J.P. Morgan Asset Management 

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With founding principles of written strategic plans going back decades, Strategic Planning Group 

brings together all the disciplines that a sophisticated client needs: 

Tax strategy/accounting, legal/estate strategy, investment management strategy, retirement strategy 


Complimentary 

Retirement 

Analysis 

RETIREMENT PLANNING SPECIALISTS 

190 South Main Street 

Bountiful, UT 84010 

801-627-2200 

Call to schedule your 

analysis today. 

www.StrategicUtah.com 

Retirement Lifestyle Planning 

Investment Management 

Consumer Education 

Advisory services are offered through Strategic Planning Group, 

Strategic Planning Group Registered 12 Investment Advisor with the SEC.

Banana Bread 

By Heather Cunningham 

Ingredients: 

3 or 4 ripe bananas, smashed 

1/3 cup melted coconut oil 

1 cup coconut sugar (can reduce to 3/4 cup) 

1 egg, beaten 

1 tsp baking soda 

Pinch of salt 

1 1/2 cup gluten free flour 

Optional: Chopped pecans or walnuts 

1 tsp vanilla 

Directions: 

Preheat oven to 350°F. 

With a spoon, mix the coconut oil with the smashed bananas in a large mixing bowl. 

Add in the sugar, egg, and vanilla. Next, add in baking soda and salt. Mix. 

Add flour last, mix. If using optional ingredients, add in the amount you desire now. 

Pour the mixture into a coconut oiled 4x8 loaf pan. Bake for 1 hour. Cool on a wire rack. 

*Can substitute butter for coconut oil, sugar for coconut sugar, and flour for gluten free flour 


MEET THE TEAM 

The people of Strategic Planning Group work closely as a team to foster an unambiguous and clear 

path forward. Our team is integral to ensuring that our principles towards investment planning and 

management of your estate are effectively implemented. You can trust that the combined decades 

of experience shared by our advisors will always be utilized by our staff to ensure success in your 

Strategic Plan. 

R Y A N C R A N E R 

President & CEO 

Ryan founded Strategic Planning Group to help consumers avoid 

piecemeal planning and simply buying products and instead 

create an all-inclusive written Strategic Plan. A Strategic Plan 

is to your financial life what a blueprint is to building a home. 

This custom approach, which began as a simple idea, has grown 

Strategic Planning Group into a trusted and established firm. 

JOHN PARK 

Wealth 

Management 

Advisor 

TOM CRANER 

Wealth 

Management 

Advisor 

ALEX CRANER 

Wealth 

Management 

Advisor 

JEFF DRAPER 

Chief 

Compliance 

Officer 


HEATHER CUNNINGHAM 

Communications Director 

KELSIE DAYTON 

Client Services Representative 

ANGELEAH JENSEN 

Operations Specialist 

MARIBEL ORTIZ 


FRAN PAXTON 


BECKY PARK 


AMY DEITSCH 


CORINNE PARK 


“Great things in 

business are never 

done by one person. 

They’re done by a 

team of people.” 

MORGAN SEPULVEDA 


ALLIE CRANER 


RISA BAKER 


-Steve Jobs 


Strategic Planning Group 16 

Retirement Planning Specialists

Spring 2022 Newsletter

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