J.B. L'Esperance, ChFC
Principal

J.B. L'Esperance is a founding member of The L'Esperance Group, LLC. Many of his clients simply refer to him as "J.B." He is a consultant and advisor in the areas of investment and retirement analysis, estate planning and small business planning. Originally, he started his practice in Michigan's Upper Peninsula right out of college and continues to provide counsel to many of his first group of clients. His utmost priority is to provide excellent service and value to all clients.

J.B. holds licenses in Michigan, Minnesota and Illinois in life insurance, health and accident, property and casualty and variable contracts. He is a Chartered Financial Consultant (ChFC).

J.B. grew up as the oldest of six siblings. He learned as he grew up to appreciate teamwork, building relationships and the importance of family values. He traveled across the country playing hockey, which inspired his competitive work ethic. Today, J.B. enjoys playing hockey and golf, plus hunting, reading and spending time with his son. He and his wife, Kelly L'Esperance, are building a practice that will eventually include satellite locations throughout the Midwest.

Kelly A. Curtis - L'Esperance
Principal

Kelly C. L'Esperance is a founding member of The L'Esperance Group, LLC. Her experience includes five years at one of the country's largest commercial banks where she was responsible for investment services. Kelly has a strong background in retirement and education planning, fixed income investing and investment portfolio management. She strives to make a positive difference in her clients' lives.

Kelly grew up in Michigan's Upper Peninsula where her family owned and operated two small resorts. Her parents were a role model and influenced her decision to become an entrepreneur. When she started The L'Esperance Group, LLC., she made a promise to put her clients' needs and objectives above all else.

During her career, Kelly earned her life insurance, accident and health insurance, property and casualty and variable contracts licenses as well as NASD series licenses 6, 7, 63 and 66. She is working towards her CFP (Certified Financial Planner).

Kelly resides in Oxford, Michigan with her husband and business partner and their son Brady. Her outside activities include downhill skiing, golfing, reading, shopping, traveling and, most importantly, spending time with family and friends.

Paul Thomas Croft
Senior Executive

Paul is a Senior Executive and a founding Member of the firm, J. Bernard Croft. J. Bernard Croft is an Asset Management, Investment Advisory, and Financial Planning Firm, located in downtown Minneapolis, MN. Paul's experience includes seven years representing the world's largest life insurance company, where he built a Comprehensive Financial Planning Practice with 500 of his own clients, primarily in the Midwest. Paul is a specialist in the areas of: risk management, survivor income, disability income insurance, retirement funding, and education funding. During Paul's career, he has earned his life insurance, accident and health insurance, variable contract licenses, as well as NASD series licenses 6 and 63.

Paul grew up in Two Harbors, MN and enjoys visiting the area. Paul's father is a Chief Executive Officer (CEO) and President of a Financial Institution, located on the North Shore of Lake Superior. Paul's Mother and Father have instilled small town values and principles in Paul, and have always encouraged him to follow his dreams and whatever you do, do it well. Paul has an older brother and a younger sister, both whom he continues to learn a great deal from

Paul resides in Minneapolis. His outside activities include: hockey, golf, water skiing, listening to music, dancing, traveling, and public speaking, impacting, and influencing the lives of other people.