Our Team

Capital Region Financial Group, LLC serves the Sacramento region as a comprehensive wealth management firm. CRFG takes a supportive approach for our client’s finances by providing them a unique combination of capital preservation and wealth creation strategies.

We work with a select group of individuals and businesses and thoroughly attend to each of our clients' specific needs. With our carefully orchestrated Wealth Management Process, we will solve and/or enhance your financial situation so that the outcome is more consistent with your goals.



Melissa M. Yano, CFP®

President and Senior Wealth Advisor

916-985-6000

melissa@crfg-llc.com

Melissa is the firm’s primary, full-service Wealth Advisor.  Her areas of expertise include investment management, financial analysis, cash flow planning and retirement income forecasting. She collaborates with clients’ key advisors to support and coordinate client estate, tax and business planning.  Additionally, Melissa manages all 401(k) plan relationships for the firm. She strategizes with and supports the employer plan sponsors to meet their company retirement plan goals through detailed plan design, customized investment management and comprehensive employee education. 

 Melissa has been in the financial planning industry for fourteen years.  Before joining Capital Region Financial Group in 2011, Melissa was a highly respected Client Manager for St. Louis Trust Company servicing multi-generational high-net-worth families in all aspects of wealth planning. Her depth of experience also includes Moneta Group, where she was a client support member, prepping review materials and managing stock and bond trades.  Melissa graduated magna cum laude with a BSBA in Finance from the University of Missouri – St. Louis, through the CFP® board-registered program in Financial Planning and has held her CFP® designation since 2011.

Melissa lives with her family and two dogs outside of Sacramento.  She enjoys reading, yoga and desserts of all types.

Ester W. Heichman

Office Manager

916-985-6000

ester@crfg-llc.com

Ester is the firm’s Office Manager. For many years, she has provided overall administrative support for the firm and its Senior Officers. She is responsible for the smooth & steady daily operations of the firm by providing a wide range of office management and support to the company including:  office technology, telecommunication, appointments/calendar, client data management, meeting arrangements, organizing firm marketing functions and general accounting & bookkeeping. Ester additionally provides back office support for clients and vendors of the firm. In her spare-time she enjoys camping with her husband and golden doodle, playing the ukulele & wine tasting.

Ellwood L. Jones

Founder

916-985-6000

ellwood@crfg-llc.com

CA Insurance License #0740197

Ellwood L. Jones has over 25 years of experience in the Sacramento region financial services industry. He founded Capital Region Financial Group, LLC specializing in comprehensive wealth solutions for owners of privately held businesses and affluent individuals. Ellwood addresses the unique wealth planning needs with strategies specific to business owners such as investment, retirement, advanced ESOP, exit planning, business succession, and insurance. He also co-founded “The Private Business Group”, a national group of financial firms that also share his focus on business owner-related issues. Ellwood supports multiple community service organizations and previously served on the board of directors for the Leukemia & Lymphoma Society of Sacramento and KVIE public television. He also enjoys golf and fly-fishing.