Opportunity. Worldwide.

Our global insight matters

Energy, talent and commitment. We believe this separates our Financial Advisors within the industry. That’s why we support them in promoting their truly individual approach and experience so they can further distinguish themselves among clients and prospects. Our Financial Advisors can be confident they have the right tools and resources to differentiate their brand and their value as they grow their practices.

We understand that your investment needs are unlike anybody else’s. When you begin a relationship with one of our Financial Advisors, he or she will take the time to listen and find out about your goals. As part of our Client Experience, your Financial Advisor makes a commitment to:

Gain an understanding of your situation, goals and tolerance for risk
Recommend customized strategies designed to help pursue your wealth management needs
Work closely with you to implement these recommendations
Help you to adjust these strategies to meet your changing needs or adapt to economic conditions
Act with integrity and respect for your concerns and privacy

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How UBS empowers our financial advisors

UBS Advisors are among the top in the industry. They’re backed by a wealth management leader with insights into key global markets and 160 years’ experience providing best-in-class advice and solutions to some of the world’s wealthiest individuals and families.

Explore if UBS is the right fit for you

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.

George Towers III

Director

Market Director
View bio
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OK
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- 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.

As a Market Director for the San Diego and La Jolla branches in San Diego County, George supports financial advisors as they focus on helping clients achieve their goals, and he works with market leadership on 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
1200 Prospect Street
Suite 100
La Jolla, CA 92037

george.towers@ubs.com

George Towers III

1200 Prospect Street,La Jolla,CA,92037
Mica Lam

Director

Admin Manager
View bio
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- PR
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VI
- VT
- WA
- WI
- WY
Mica Lam is the Administrative Officer in our San Diego and Carmel Valley offices. Most recently she held this role covering the Los Angeles market offices of UBS in Pasadena, Sherman Oaks, and Manhattan Beach as well as Las Vegas, NV. In her role she is responsible for branch administration, providing support to team associate, and partnering with advisors and teams to assist and promote optimal client service. Mica has over 25 years of industry experience, previously holding leadership roles at Morgan Stanley, Merrill Lynch, and First Republic Bank.

She received her degree from the University of California San Diego with a dual major in Quantitative Economics Decision Science and General Literature. Outside of work she enjoys spending time with family, friends, and her English Labrador, Casper, traveling and discovering new places, local cultures, and eats, with he husband Paul.
12220 El Camino Real
Suite 400
San Diego, CA 92130

mica.lam@ubs.com

Mica Lam

12220 El Camino Real,San Diego,CA,92130

George Towers III

Director

Market Director
View bio
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OK
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- 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.

As a Market Director for the San Diego and La Jolla branches in San Diego County, George supports financial advisors as they focus on helping clients achieve their goals, and he works with market leadership on 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
1200 Prospect Street
Suite 100
La Jolla, CA 92037

george.towers@ubs.com

George Towers III

1200 Prospect Street,La Jolla,CA,92037
Mica Lam

Director

Admin Manager
View bio
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- PR
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VI
- VT
- WA
- WI
- WY
Mica Lam is the Administrative Officer in our San Diego and Carmel Valley offices. Most recently she held this role covering the Los Angeles market offices of UBS in Pasadena, Sherman Oaks, and Manhattan Beach as well as Las Vegas, NV. In her role she is responsible for branch administration, providing support to team associate, and partnering with advisors and teams to assist and promote optimal client service. Mica has over 25 years of industry experience, previously holding leadership roles at Morgan Stanley, Merrill Lynch, and First Republic Bank.

She received her degree from the University of California San Diego with a dual major in Quantitative Economics Decision Science and General Literature. Outside of work she enjoys spending time with family, friends, and her English Labrador, Casper, traveling and discovering new places, local cultures, and eats, with he husband Paul.
12220 El Camino Real
Suite 400
San Diego, CA 92130

mica.lam@ubs.com

Mica Lam

12220 El Camino Real,San Diego,CA,92130

A focus on personalized access and service

Working with diverse clients with specific needs, our team sees it as our top responsibility to understand each aspect of your unique and often complicated financial life.

Turn possibilities into a plan

What’s really important to you—today and for the long term? UBS Wealth Way starts with questions and discussions that can help you organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

^{UBS Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies that UBS Financial Services Inc. and our Financial Advisors can use to assist clients in exploring and pursuing their wealth management needs and goals over different time frames. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment. Time frames may vary. Strategies are subject to individual client goals, objectives and suitability.}

House View Monthly

A leading global wealth manager

Donor-advised funds

Year-end charitable giving

As we approach the end of the year, you may be thinking about the charitable contributions you’d like to make. Learn how a donor-advised fund (DAF), can support your favorite charities in a flexible, tax-efficient and cost-effective manner.

For personalized service and more information on how a DAF can fit into your charitable giving plans, contact our team today.

A leader in wealth management

Backed by the strength of our parent company, UBS AG

^$6.9 trn

UBS Group invested assets
As of 10/29/2025

51 countries

Our global footprint

Global leader

UBS is a leading and truly global wealth manager

Opportunity. Worldwide.

How UBS empowers our financial advisors

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