Financial Planning
A coordinated planning experience that integrates legal, insurance, tax, retirement, and investment considerations through Barking Sands Capital’s proprietary InteProcess™ approach.
Build a clearer path toward your financial goals with Barking Sands Capital. Our Wealth Management & Insurance Planning Services coordinate investments, retirement, tax strategy, Medicare, long-term care, and protection planning into a seamless, client-first plan. With independent, fee-based guidance and experienced advisors, you get thoughtful strategies designed around your values, risk tolerance, and destination.
Integrated planning services for investments, retirement, taxes, Medicare, insurance protection, and long-term wealth decisions.
A coordinated planning experience that integrates legal, insurance, tax, retirement, and investment considerations through Barking Sands Capital’s proprietary InteProcess™ approach.
Research-backed portfolio strategies designed to grow wealth while respecting your tolerance for risk, using active management and personalized advisor attention.
Retirement analysis, 401(k) rollovers, Roth IRA conversions, asset distribution strategies, and cash-balance planning for owners preparing for future income needs.
Strategic planning that coordinates tax considerations with retirement, investment, insurance, and business-owner decisions to support smarter long-term outcomes.
Protection planning that evaluates life, health, and risk-management needs as part of a broader financial strategy for every stage of life.
Guidance on Medicare timelines, coverage options, long-term care needs, and IRMAA strategies to help protect retirement assets and healthcare confidence.
Your financial life is interconnected, so your advice should be too. Barking Sands Capital brings investment management, insurance planning, retirement analysis, tax coordination, Medicare, and long-term care considerations into one clear strategy. Instead of pushing products, the team focuses on transparent, fee-based guidance that reflects your values, risk comfort, family priorities, and long-term goals.
Barking Sands Capital is a solution-based firm that pairs insurance and wealth management planning with transparency, coordination, and personalized care in every client relationship.
Fee-based RIA structure supports transparent guidance focused on client objectives, not product sales.
InteProcess™ coordinates legal, insurance, tax, retirement, and financial planning into one clear strategy.
CFP® and ChFC credentials support advanced advice for complex wealth and protection decisions.
Personal advisor attention pairs with sophisticated investment management and independent custodial relationships.
Experienced advisors focused on values-based financial 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.
A wealth planning manager helps coordinate the major areas of your financial life, including investments, retirement income, tax strategy, insurance needs, estate considerations, and long-term goals. At Barking Sands Capital, that guidance is delivered through a comprehensive, team-based planning process designed to align your assets, risks, and decisions with the destination you want to reach.
Connect with our team for thoughtful, personalized planning guidance.
Recognized standard for comprehensive financial planning.
Advanced credential for financial and insurance planning.
Licensed guidance for life and health coverage.
Tell us about your goals, questions, and current planning priorities. A Barking Sands Capital team member will help you understand the next 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.