Let's move forward. Together.

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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.

As a Wealth Planning Associate, George has the responsibility to work with financial advisors across the market in developing comprehensive financial plans for their clients. He participates in client discovery conversations, helps craft financial plans focusing on helping clients achieve their goals, and supports branch leadership team members with detailed key business initiatives and projects. In addition, George is interested in impact investing and sustainability for the long term, using resources as a tool to do good while doing well.

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!

California Insurance License# 4183899

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Ryan is the Assistant Market Head for UBS Financial Services’ Southern California Market, covering 10 offices including Newport Beach, Irvine, La Jolla, Carmel Valley, Downtown San Diego, Rancho Bernardo, Hawaii, Riverside, Redlands and Indian Wells. He is charged with helping to develop business strategy, coordinating Market events and working with internal and external partners to give advisors access to the tools and intellectual capital they need to better serve their clients.

He began his career in financial services in UBS' Beverly Hills office in 2008 and has held various roles in the firm before being promoted to Assistant Market Head in September of 2019. Prior to his current role, he was the Market Supervisory Officer for UBS' West LA and Los Angeles Markets, where he worked with large advisor teams to manage risk and find solutions to complex issues for some of the firm's wealthiest clients.

Ryan graduated from the University of Southern California with a degree in Business Administration. He was born in New Jersey and currently resides in Irvine, CA.. Ryan holds his 3, 7, 66, 9, and 10 securities licenses and is registered in all 50 states.

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Michael Giuntini is a Supervisory Officer for the Los Angeles/Orange County Market.  Prior to this role, Michael spent the previous 4 years at Wells Fargo Advisors working for their Los Angeles market.  At Wells Fargo, Michael was responsible for coordinating branch operations and client service in the Westwood branch. Serving as a liaison between Financial Advisors teams and various home office contacts, Michael problem solves and manages a number of time sensitive requests to help service high net worth client's financial needs.  

Michael received his Bachelor's in Business Administration from Loyola Marymount University and is currently pursuing his Master's in Business Administration at the University of Southern California. 

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Toma Kay, who is one of our Administrative Manager primarily covering the Irvine branch.

Toma comes to us from Wells Fargo and has over 30 years of industry experience.  She started her career with Dean Witter as a Client Service Associate and has since held numerous management positions in Risk Management and Operations.  Toma has built her reputation on fostering strong partnerships with advisors and team associates. She prides herself on being an attentive listener who draws on her experience to find solutions that support both the advisors and the firm.  

A resident of Irvine, Toma enjoys cooking, gardening and DIY projects in her free time. 

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Betty Hamada, as Administrative Manager for the Honolulu office of UBS, supports the branch manager and financial advisor teams in the office by handling many tasks, including overseeing staff, filling in for the CSA (client service assistant) role as needed, and ensuring smooth branch operations. A veteran of the financial industry, Betty holds Series 7 and 9/10 securities licenses. After several years in the investment divisions of banks and insurance companies, Betty joined UBS in 2007, originally as Operations Manager, becoming Admin Manager in 2010.

Because she is experienced and detail-oriented, with high standards and a focus on addressing client objectives, Betty is able to anticipate challenges and find quick resolutions to whatever needs arise. She is dependable and resilient, with great follow-through.

A native of Hawaii, Betty spends her spare time with her three sons, grandson, and her Golden Retriever.

Betty’s philosophy of life? “Life is like a camera: focus on what’s important, capture the good times, develop from the negatives, and if things don’t work out, take another shot."

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Laura Fetterman, Executive Team Assistant for the San Diego Market, has supported UBS executive teams since 2005, interacting with managers and employees from all branches within the Market. In this role, Laura acts as the gatekeeper to the leadership team for the San Diego Market, exercising informed judgment in triaging requests, priorities and focused engagements.  Laura handles a myriad of tasks every day, from administrative such as managing calendars, planning conference calls and arranging client meetings or travel, to operational tasks including onboarding new employees, managing facilities, or handling accounts payable. She also plans a great many events – including managing internal culture-building events and client events or philanthropic endeavors and sponsorships. 

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.

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Dan Shiu believes people should spend less than they make, so they can have the opportunity to invest consistently and often, while always minding the long term. It is with this philosophy that Dan leads the culture of the Honolulu branch to create an environment where the financial advisors help to solve complex problems for clients. Dan advises the FAs to put themselves in the shoes of the clients, much as he does, and to keep things clear, so as to help clients define and reach their goals.

Dan focuses on working with business owners and retirees on their retirement plans, providing personalized, proactive, and customized advice to individuals and retirement plan sponsors for 401(k) programs, defined contribution plans, and qualified retirement plans. He has continued to expand his knowledge base with rigorous educational programs in the areas of retirement planning, income and estate taxes, investments, and insurance, gaining certifications as a Certified Financial Planner (CFP), Chartered Financial Consultant (ChFC), Chartered Retirement Plans Specialist (CRPS), and Certified Exit Planning Advisor (CEPA). Dan is registered as an investment advisor in six states and also holds Insurance licenses in California and Hawaii.

Born and raised in Honolulu, Dan attended the Iolani School locally. Shortly after graduating cum laude from Claremont McKenna College with a double major in Economics and Government, he began a career with Booz Allen & Hamilton and Ernst & Young. He started with UBS as a financial advisor in Honolulu in 1994 and became branch manager in 2016. In 2021, Dan was recognized by Forbes magazine as a “Best-in-State” advisor for Hawaii.

A family man with two sons, Dan and his wife Sandee have been married for 28 years. For more than 15 of those years, Dan has enjoyed coaching youth soccer.

• Barron's Top 1,200 Financial Advisors, 2025
  The Barron's rating is awarded annually in March and is based on information from the prior year Q3. 
• Forbes Best-in-State Wealth Advisors, 2020, 2021, 2022, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.
• Forbes Best-in-State Wealth Management Teams, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
• UBS Wealth Management Director’s Council, 2024UBS Financial Services Inc. Councils are a distinction held by UBS Financial Advisors based on criteria including evaluation of compliance with firm rules, standards & policies and revenue. Council membership is not representative of any one client's experience and is not indicative of the advisor’s future performance.

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As a member of Aligned Wealth Partners at UBS, Pat Lizza draws on extensive financial and service industry experience to provide comprehensive wealth management advice to business owners, retirees, multi-generational families, and other select clients. As branch manager of the Indian Wells office, he also oversees new initiatives, expanded opportunities for financial advisors, connecting financial advisors and clients with the advanced subject matter expertise of the global firm’s specialists.

Pat has been with UBS since 2011 and has worked with his team to develop a comprehensive, client-focused wealth management approach, which begins with connecting with clients to truly understand, plan, and align with their particular circumstances. Pat prides himself and his team’s ability to look beyond the financial data to each client’s unique values, goals, relationships, and aspirations. From investments, to retirement, to estate planning, his firm’s complete approach to wealth management enables them to develop customized strategies, specific to each client's needs, with the aim of maximizing the ability for objectives to be achieved. As a Certified Exit Planning Advisor, Pat works with business owners on planning exit strategies and transitions. He is a Certified Endowment and Foundation Consultant and works with non-profits to sharpen investment strategies, while also helping clients to establish charitable giving programs.

Pat has a background in the resort and hospitality industry and is actively involved with the local community. 

He and his family have volunteered with the Boys and Girls Club of Coachella Valley. He is a board member of the World Affairs Council of the Desert, and Xavier College Preparatory High School. 

A native of the Palm Springs area, Pat and his wife have 3 grown children and reside in La Quinta. In his spare time you’ll find Pat enjoying golf, reading, cooking for family and friends and traveling. 

• Forbes Best-in-State Wealth Management Teams, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

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