Financial Planning
Integrate retirement, tax, legal, insurance, and investment decisions into one clear plan using Barking Sands Capital’s team-based InteProcess™ approach.
Build a clearer financial path for every generation with Barking Sands Capital’s family-focused advisory guidance. From retirement income and education funding to tax planning, insurance protection, Medicare decisions, and investment management, our independent, fee-based team helps align your money with your values—so parents, children, and business owners can make confident, coordinated choices together for the future.
Coordinated planning solutions for families balancing retirement, investments, taxes, education, insurance, Medicare, and business priorities.
Integrate retirement, tax, legal, insurance, and investment decisions into one clear plan using Barking Sands Capital’s team-based InteProcess™ approach.
Plan retirement income, rollovers, Roth IRA conversions, asset distribution, and business owner retirement strategies with a focus on long-term confidence.
Create tax-aware strategies that coordinate business owner planning, AMT considerations, retirement decisions, and investment choices across the family’s financial picture.
Build personalized, tax-advantaged education funding strategies to help families prepare for college and future learning costs with greater clarity.
Navigate Medicare coverage options, enrollment timelines, long-term care concerns, and IRMAA strategies to protect retirement assets and healthcare confidence.
Use active, research-backed portfolio management, diversification strategies, and risk analysis to align investments with family goals and market realities.
Family finances are rarely one-dimensional. Barking Sands Capital helps connect the moving parts—retirement income, investments, taxes, insurance, education costs, Medicare, and legacy planning—through a transparent, fee-based process. With the proprietary InteProcess™, your advisory team can coordinate designated professionals and build strategies that reflect your family’s values, risk comfort, and long-term destination.
Barking Sands Capital is a solution-based firm that pairs professional credentials and independence with personal attention for coordinated family financial planning.
Fee-based RIA model supports transparent guidance without commissions on managed accounts.
InteProcess™ coordinates legal, tax, insurance, retirement, and financial planning professionals.
CFP® and ChFC credentials support disciplined, comprehensive advice for complex family decisions.
Family values, relationship building, and personalized service guide every planning conversation.
Experienced advisors guiding families with coordinated, values-led planning.
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.
Yes. A financial advisor can advise multiple family members when everyone understands the relationship, privacy boundaries, and any potential conflicts of interest. Barking Sands Capital’s family-focused approach helps coordinate goals across generations while still respecting each person’s individual needs, risk tolerance, time horizon, and decision-making authority. Clear communication is especially important for estate, retirement, education, and business succession conversations.
Talk with our team about your family’s financial priorities.
Recognized comprehensive financial planning expertise
Advanced advisory training in financial consulting
Licensed guidance across insurance and securities
Tell us about your goals, concerns, and family priorities. A Barking Sands Capital advisor will help you understand the next best step.
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.