Be global. Feel local.

La Jolla Cove

Where are you today and where do you want to be tomorrow? We recognize that a lasting relationship starts by listening and understanding your priorities and concerns. We'll work together to look at the big picture, discuss your vision for the future and help you confidently pursue your life goals.

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Pursuing your goals together

Our mission is to provide quality strategies customized to your needs. Our goal is to be your primary source of financial advice. To this end, we concentrate our efforts on developing long-term relationships through a commitment to quality client service.

  • market exec

    Justin Frame

    Market Executive

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    • AR
    • AZ
    • CA
    • CO
    • HI
    • NV

    Justin Frame is a Managing Director who serves as the Market Executive for the Pacific Desert Market. The business consists of 13 branches, including Newport Beach, Irvine, Carmel Valley, San Diego, La Jolla, Rancho Bernardo, Riverside, Redlands, Indian Wells, Honolulu, Scottsdale, Phoenix and Tucson..  He oversees more than 260 Financial Advisors who manage more than $50 billion in client assets and is focused on maintaining our position as one of the most productive markets in Southern California. Our local roots allow us to always stand in service to our Financial Advisors and their clients.  Justin is active in his community serving on several local boards including Advisors in Philanthropy and Working Wardrobes.

    Before taking on his current role with UBS Global Wealth Management he spent the previous 25 years with Morgan Stanley.  He held several roles there including Branch & Complex Manager, Regional COO and Family Wealth Advisor.  As a former successful Financial Advisor for 14 years, he understands the unique relationship between Advisors and their clients. He supports that relationship by providing an open architecture of products and services, which allows our Advisors freedom of choice.

    Today’s markets and sophisticated client needs require leader’s adept at leading transformational change. Justin has a philosophy that wealth management is about helping clients achieve their financial goals so they can live their dreams. To accomplish this, we have assembled a great team of first-class support professionals and Financial Advisors that are first and foremost good people, working tirelessly to understand their clients' deepest concerns and priorities and ensure that every client relationship is built on unshakeable trust.

    California Insurance License# OK16751

          515 South Flower Street
          Suite 5000
          Los Angeles, CA 90071
          Justin.frame@ubs.com
          Justin Frame
          515 South Flower Street,Los Angeles,CA,90071
        • Lynn Hunter crop

          Lynn Hunter

          Director

          Market Administrative Officer

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          • AZ
          • CA
          • HI

          Lynn Hunter serves as the Market Administrative Officer for the Pacific Desert Market. Lynn has served in a variety of roles in the financial services industry, including Regional Business Initiatives Manager, Regional Operational Risk Manager, and Operations/Project Manager with Wells Fargo Private Bank,  Business Service Manager, Complex Administrator, and Financial Advisor with Morgan Stanley, Commodity Trading Advisor and Commodity Pool Operator for La Jolla Trading/West Coast Options Fund and chartist and research analyst for Dow Theory Letters.

          Lynn focuses on developing collaboration within teams. She enjoys helping Wealth Management Teams to meet service excellence standards by focusing on the importance of enhanced client-centric service, and by staying well-informed on the industry as it changes. A relationship-driven manager, she believes strongly in coaching people to find their strengths, identifying challenges and opportunities to grow, and ongoing mentoring. Very comfortable in the digital world, Lynn enjoys helping others move forward with new technologies, recognizing their value and how to manage interpersonal relationships using them, while at the same time respecting the roots and traditions of the service business. She works closely with team members to bring them up to the next level while running their businesses efficiently, effectively, and confidently.

          Lynn was raised in La Jolla, California, and is a graduate of La Jolla High School. She has a Bachelor of Arts degree in Political Science from the University of California, San Diego and holds FINRA Series licenses 7, 9, 10, 66; NFA Series 3; and California Insurance License #0D05717.  Lynn lives in La Jolla with her husband Jim, and enjoys the coastal lifestyle, kayaking, hiking, gardening and the practice of yoga and meditation.

                1200 Prospect Street
                Suite 100
                La Jolla, CA 92037
                lynn.hunter@ubs.com
                Lynn Hunter
                1200 Prospect Street,La Jolla,CA,92037
              • George Towers crop

                George Towers III

                Associate Director

                Associate Market Executive

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                • AZ
                • CA
                • CO
                • FL
                • GA
                • IL
                • MI
                • NC
                • NV
                • NY
                • OK
                • OR
                • TX
                • WA
                • WY

                George Towers believes that wealth goes far beyond the amount of dollars and cents one has in any account; finances are simply one component of our overall wealth as human beings. He recognizes that wealth is a powerful tool that we can use to not only improve our own lives, but the lives of others, to leave the world a better place than we found it. It is this philosophy that informed his decision to move into financial planning to use his degree from the University of Denver in finance and economics, after spending several years in ministry. George sees both professions as similar in some ways: in both cases he is working in the “people business,” helping others get from point A to point B to help them succeed, putting the person front and center, and providing encouragement. His passion for doing good in the community and the world led him to working with UBS.

                George started at UBS in 2021 as a Wealth Planning Associate where he had the responsibility to work with financial advisors across the San Diego market in developing comprehensive financial plans for their clients.  George was quickly promoted to his new role of Associate Market Executive for the Pacific Desert Market, helping oversee 13 branches and more than 260 Financial Advisors who manage more than $50 billion in client assets.

                George is not the only member of his family who feels it’s important to leave the world a better place. His wife Christie is a cancer researcher who was recruited to the Salk Institute in La Jolla to start her own research lab. George and Christie have two young sons, Noah and Levi. In his spare time, George loves spending time with his family at the beach, traveling, hiking and playing sports. If you get the chance, ask him about his family’s experience on the television game show, Family Feud!

                      1200 Prospect Street
                      Suite 100
                      La Jolla, CA 92037
                      george.towers@ubs.com
                      George Towers III
                      1200 Prospect Street,La Jolla,CA,92037
                    • Carla Ozog updated

                      Carla Ozog

                      Director

                      Market Supervisory Officer

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                      • AZ

                      Carla began her career in the financial services industry in 2000 with Smith Barney as a client service associate in the Detroit Metro area.  In 2003 she moved to UBS Financial Services in Birmingham, MI and has held various roles within the Firm. In 2007, she moved to Scottsdale, Arizona to become the Operations Manager for the Scottsdale AZ branch and then moved into a Supervisory position in the Phoenix AZ branch in 2009. 

                      Prior to joining the Pacific Desert Market, Carla was the Market Supervisory Officer for Desert Mountain Market.  Carla believes one of the most important parts of her role is establishing strong relationships with Financial Advisors, Team Associates, Market Directors and Senior management, as well as mitigating risk within her Market and Firm.  

                      Carla received her Bachelor’s degree in Finance from Walsh College Business and Accountancy in Troy, MI.  She also holds her Series 7, 63, 66, 9, 10 and insurance licenses.

                      She resides in Scottsdale Arizona with her dog Ruger, who she adopted from the Westside German Shepherd Rescue in Los Angeles in 2019.  Carla is passionate about animal welfare and military veterans.

                      When time prevails, Carla enjoys walking, hiking, reading and visiting family.

                            14624 N Scottsdale Road
                            Suite 150
                            Scottsdale, AZ 85254
                            carla.ozog@ubs.com
                            Carla Ozog
                            14624 N Scottsdale Road,Scottsdale,AZ,85254

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