Comprehensive Planning
Coordinate legal, insurance, tax, retirement, and financial planning priorities into one clear strategy so your estate plan supports both current needs and long-term family wealth transfer.
Protect what you’ve built and prepare the next generation with estate planning guidance that connects your investments, taxes, insurance, retirement income, and family priorities. Barking Sands Capital helps families clarify goals, coordinate with legal and tax professionals, and create a practical wealth-transfer strategy designed around transparency, risk management, and lasting financial confidence.
Integrated planning services designed to help families preserve, grow, and transfer wealth with confidence.
Coordinate legal, insurance, tax, retirement, and financial planning priorities into one clear strategy so your estate plan supports both current needs and long-term family wealth transfer.
Align investment portfolios with legacy goals, liquidity needs, risk tolerance, and long-term growth objectives through active management and personalized asset allocation strategies.
Integrate tax considerations into retirement income, gifting, Roth conversion, business-owner, and wealth-transfer decisions with support from designated tax professionals.
Evaluate life insurance, health coverage, and protection strategies that can help provide liquidity, manage risk, and support family members during major transitions.
Plan for future care needs, Medicare-related costs, and IRMAA considerations to help protect retirement assets and reduce financial strain on family members.
Build education funding strategies for children or grandchildren using personalized, tax-aware savings approaches that fit within your broader legacy plan.
We begin by understanding your family, assets, retirement picture, business interests, education goals, insurance coverage, and wealth-transfer priorities. This discovery stage helps uncover planning gaps and creates a shared foundation for coordinated recommendations.
Barking Sands Capital is a solution-based firm that pairs sophisticated multi-generational planning with personal attention and transparent guidance across estate and wealth strategies.
Independent RIA structure supports transparent, client-first advice without commissions on managed accounts.
InteProcess™ coordinates legal, tax, insurance, retirement, and financial planning professionals around your goals.
CFP® and ChFC credentials bring advanced planning knowledge to complex family wealth decisions.
Midwest roots and long-term client relationships shape practical, family-centered planning guidance.
Experienced advisors focused on families, planning, and relationships.
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.
Estate planning for generational wealth focuses on how assets, values, and responsibilities transfer to future generations. At Barking Sands Capital, this includes coordinating investment strategy, tax planning, retirement income, insurance, long-term care considerations, and education funding. We do not replace legal counsel, but we help organize the financial picture so attorneys and tax professionals can work from a clearer plan.
Connect with our team for coordinated estate planning guidance.
Recognized financial planning expertise.
Advanced financial consulting designation.
Transparent advisory compensation structure.
Tell us about your family, assets, and long-term goals. Our team will help you understand the next steps for coordinated estate, retirement, tax, and investment planning.
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.