Wills & Trusts
Coordinate attorney-led wills and trusts with your investment, retirement, insurance, and tax picture so documents reflect real financial priorities and family goals.
Plan your legacy with coordinated guidance for wills, trusts, beneficiary decisions, tax strategies, retirement assets, and family protection. Barking Sands Capital helps clients align estate planning with broader financial goals, working through an integrated, fee-based process that brings legal, tax, insurance, retirement, and investment considerations together so your values can guide your next steps.

Coordinated estate, tax, retirement, insurance, and business planning guidance for families and owners.
Coordinate attorney-led wills and trusts with your investment, retirement, insurance, and tax picture so documents reflect real financial priorities and family goals.
Integrate AMT planning, business-owner tax strategies, Roth conversions, and retirement coordination to help reduce tax friction across your legacy plan.
Align 401(k) rollovers, asset distribution strategies, Roth IRA conversions, and beneficiary choices with estate objectives and long-term income needs.
Evaluate Roth conversion opportunities that may create tax-free growth, improve retirement flexibility, and support more efficient wealth transfer planning.
Plan for long-term care needs, Medicare considerations, and IRMAA strategies to help protect retirement assets and reduce avoidable healthcare-related costs.
Support small business owners with tax strategies, cash-balance planning considerations, succession discussions, and coordination between business and personal wealth goals.

We begin by learning your values, family dynamics, assets, retirement accounts, business interests, insurance coverage, and tax concerns. This creates a complete planning picture before recommendations are made.
Barking Sands Capital is a solution-based firm that pairs tax-efficient estate planning expertise with transparent, coordinated planning for complex family wealth decisions.
Fee-based RIA structure supports transparent advice without commissions on managed accounts.
InteProcess™ connects legal, tax, insurance, retirement, and investment planning into one strategy.
CFP® and ChFC credentials support informed estate, tax, and retirement planning conversations.
Long-term relationships and personalized service keep client objectives above product recommendations.
Experienced planners coordinating your family’s financial legacy with care.

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.
The best guidance usually comes from a coordinated team: an estate planning attorney for legal documents, a CPA or tax professional for tax filings and projections, and a CFP® or ChFC advisor for integrating inheritance tax concerns with investments, retirement accounts, insurance, and cash flow. Barking Sands Capital helps coordinate those moving parts so tax decisions support your broader financial plan.
Get coordinated answers from a credentialed planning team.
Recognized comprehensive planning expertise.
Advanced financial consulting designation.
Registered securities and insurance licensing.
Tell us about your estate planning priorities, tax concerns, and family goals. Our team will help you understand the next coordinated steps.
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.