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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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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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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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Lynn Hunter serves as the Market Administrative Officer for the San Diego 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.

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Becky Hamilton has more than 20 years in the Financial Services industry and began her career as receptionist in 2000, working in various roles making her way to her current role as Market Service Manager for the Southern California Market.  Becky’s experience allows her to better understand the rewards and challenges that our Advisor teams encounter on a daily basis.  Becky is happy to be back at UBS where her passion for the industry began.  She loves her role and is enjoying partnering with the teams across Southern California and Hawaii.

Becky is married to Jeff Hamilton and has 3 children: Hunter, Brody and Brock.  She spends most of her free time making memories with her family and volunteering as a board member for her sons’ little league in Peoria, AZ. 

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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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As Supervisory Officer, Micaela Murphy is responsible for managing risk and compliance for UBS’s San Diego market area, which includes San Diego County, Indian Wells, Riverside, and Hawaii. In this role, she reviews the suitability of sales of financial products for clients; helps to assess patterns and potential transaction risks with the Central Supervision Team; assists with coaching and training teams and preparing for branch review audits.

A strategic, creative-thinker, Micaela most enjoys working and building relationships with experts across the UBS teams to best address client and company needs. “One of the things UBS really excels at,” she says, “is the high level of service they provide, knowledgebase of experts they hire, and connections they have, including people I work with, who have strong backgrounds and experience that we are able to leverage as resources.”

Micaela is registered in California and has her series 7, 9, 10, 63, 65, and insurance licenses. She was recently elected to the 2022 Administrative Management Advisory Council for UBS to represent the advisory population on improving processes for a two-year term.

Originally from Colorado, she has lived in California for the past nine years, including in San Francisco and Newport Beach, where she currently resides. She enjoys trying new restaurants with her husband, going to the beach, exploring hikes, and spending time with family. Though she is afraid of heights, she says she had to try skydiving once in Oceanside a few years ago. She admits, although it was nerve-wracking, “After you exit the plane it’s almost a let-down. I no longer had the feeling I was going through this big, scary experience.”

California Insurance License# 0I93647

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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.