Be global. Feel local.

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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

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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!

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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.

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Since January 2025, Laura Fetterman is the Administrative Officer for the Private Wealth offices within the UBS Pacific Desert Market.  Previously, Laura worked as the Executive Team Assistant where she supported UBS executive teams since 2005, interacting with managers and employees from all branches within the Market.

Her resourcefulness, organizational skills, attention to detail, and multitasking capabilities often make Laura the first go-to source for help or guidance to employees in the marketplace. Laura’s dependability, intellectual curiosity and ability to inject humor into any situation enhance her approachability and make her fun to work with.

She is FINRA-registered, holding Series 7, 66, 9, and 10 licenses. Laura holds a Bachelor of Arts degree from DeSales University in Pennsylvania. In her spare time, Laura loves traveling, attending concerts and sampling delicious foods and wines with family and friends.