401(k) Rollovers
Move retirement savings from an old employer plan into a coordinated strategy designed around your goals, tax situation, investment preferences, and retirement income needs.
When changing jobs, retiring, or consolidating old workplace plans, a 401k rollover should support your bigger financial picture—not just move money. Barking Sands Capital provides fee-based fiduciary guidance, integrating retirement, tax, insurance, and investment planning so your rollover strategy aligns with your goals, risk tolerance, and long-term income needs.
Integrated rollover, retirement, tax, and investment services designed to support confident long-term decisions.
Move retirement savings from an old employer plan into a coordinated strategy designed around your goals, tax situation, investment preferences, and retirement income needs.
Create a long-term retirement roadmap covering income planning, asset distribution, Roth conversion opportunities, and strategies for preserving flexibility throughout retirement.
Evaluate whether converting pre-tax retirement assets to Roth accounts may reduce future tax exposure, support tax-free growth, and improve long-term wealth transfer options.
Coordinate retirement decisions with tax planning, including timing of distributions, AMT considerations, business owner strategies, and opportunities to improve after-tax outcomes.
Use research-backed portfolio strategies, risk management, diversification, and active allocation to help rollover assets work toward your long-term financial goals.
Integrate retirement, legal, insurance, tax, investment, and estate considerations through a team-based planning approach designed to simplify complex decisions.
We begin by discussing your retirement goals, current accounts, timeline, income needs, and concerns. This helps clarify whether a rollover supports your broader financial picture or whether your current employer plan still offers meaningful advantages.
Barking Sands Capital is a solution-based firm that pairs rollover guidance with a full-picture view of your financial future.
As an independent RIA, the firm emphasizes transparent, client-first guidance for rollover decisions.
CFP® and ChFC credentials support sophisticated planning across retirement, tax, insurance, and investments.
The proprietary InteProcess™ coordinates multiple planning disciplines into one organized retirement strategy.
Founded in 2004, Barking Sands Capital brings decades of relationship-driven Midwest advisory experience.
Credentialed advisors focused on planning-first guidance.
Principal, ChFC
JB L'Esperance is a co-founder and Principal of Barking Sands Capital (The L'Esperance Group, LLC), holding the prestigious Chartered Financial Consultant (ChFC) designation. With a career that began right out of college in Michigan's Upper Peninsula, JB has built deep expertise in investment management, retirement analysis, estate planning, and small business planning. Licensed in life and health insurance in both Michigan and Minnesota, he has maintained lasting relationships with many of his earliest clients — a testament to his commitment to delivering excellent service and real value. The oldest of six siblings, JB developed strong teamwork and family values early, qualities that define his client-first advisory approach. He and his wife Kelly reside in Independence, Minnesota, where they continue growing their Midwest financial planning practice.
Principal
Kelly C. L'Esperance is a co-founder and Principal of Barking Sands Capital (The L'Esperance Group, LLC), bringing a strong background in investment services, fixed income investing, retirement and education planning, and investment portfolio management. With five years of experience at one of the nation's largest commercial banks, Kelly joined her husband and business partner JB to build an independent, fee-based advisory firm grounded in putting clients' needs above all else. Growing up in Michigan's Upper Peninsula, where her family ran small resort businesses, Kelly developed an entrepreneurial spirit and deep appreciation for personalized service. Kelly resides in Independence, Minnesota, with JB and their two children.
Advisor
Curtis Hewitt is an Advisor with Barking Sands Capital, specializing in Medicare Planning and Long Term Care. Based in Marquette in Michigan's Upper Peninsula, Curtis brings a dynamic entrepreneurial career to his advisory role, having successfully started, managed, and sold multiple businesses throughout his professional life. He is also co-founder of MSIS Agency. Curtis holds a degree in Architectural Design from Lansing Community College and a Business Management degree from Colorado Technical University, where he graduated Magna Cum Laude. He holds Life and Health insurance licenses along with Series 6 and Series 63 registrations. A dedicated community servant, Curtis has served as president of a local Women's Shelter, school board member, and co-founder of a youth mountain biking program. He resides in Marquette with his wife and four children.
Client Relationship Manager
Tara Handy is the Client Relationship Manager at Barking Sands Capital, bringing more than two decades of experience in the financial services industry. She specializes in client service, account management, and operational support, ensuring that both advisors and clients receive responsive, accurate, and professional assistance. Tara holds Series 7 and Series 63 securities registrations, Life and Health Insurance licenses, and is a commissioned Notary Public. She earned her Bachelor of Science in Business Administration from Gardner-Webb University. Known for building strong, lasting relationships, Tara is dedicated to making every client interaction seamless and reliable. She resides in western North Carolina with her husband and three children, and values hard work, strong relationships, and serving others in every aspect of her life.
CFP®
Andrea Cervena is a Certified Financial Planner (CFP®) with Barking Sands Capital, bringing over 20 years of financial industry experience spanning three continents and multiple sectors including banking, real estate, hospitality, and sports. She holds a BA in International Business and Business Administration from Minot State University and an MA in International Relations from the International University of Japan. Since 2020, Andrea has focused exclusively on personal finance, earning her CFP® designation and assisting clients with Tax Planning, Estate Planning, Retirement Planning, Education Funding, and Budgeting. Her service-oriented approach and global perspective allow her to craft creative, tailored financial solutions. Outside of work, Andrea is an active volleyball official, cycling community ambassador, and Masters Ski Racing board member.
Key retirement planning changes in 2026 include continued SECURE 2.0 implementation, especially Roth catch-up contribution rules for certain higher-earning workers, evolving employer plan features, and updated tax and contribution thresholds. These changes can affect rollover timing, Roth conversion decisions, retirement income planning, and tax coordination. A fiduciary advisor can help evaluate how new rules apply to your 401k, IRA, and broader financial plan.
Talk with our team before making your next rollover decision.
Advanced credential in comprehensive financial planning.
Specialized training in advanced financial strategies.
Fee-based advisory structure with transparent compensation.
Share your rollover questions, timeline, and current plan details. Our team will help you understand your options and next steps with clear, practical guidance.
For immediate assistance, feel free to give us a direct call at 952-500-8854. You can also send us a quick email at jb@barkingsandscapital.com.
For immediate assistance, feel free to give us a direct call at 952-500-8854. You can also send us a quick email at jb@barkingsandscapital.com.