Tim P. Cooper, CFP®, AIF®


Tim has been an independent financial planner and Investment Advisor Representative since 1988, primarily for owners of small businesses and self-employed professionals. Tim's emphasis is to provide clients with the information they need to make the highest decisions and empower them as they work towards financial independence. Tim provides additional focus in the area of asset protection from taxation and inflation.

Outside the office, Tim's passion is participating in century cycling events in California and playing the piano. In 2014, Tim made his UK debut at the Oxford Piano Festival where he performed The Lyric Suite by E. Grieg



Operation Manager

Michelle leads the compliance and brokerage operation efforts of Pearl Wealth Advisors. She ensures that all parties working with Pearl are fully compliant and held to every necessary industry standard. In addition to compliance, Michelle keeps us up to date on industry changes, rules and regulations, and ensures smooth functionality of our daily business tasks.


Paula Croskey

Long Term Care & Insurance Specialist

Paula has extensive knowledge in the complex fields of life insurance, health care facilities, Medicare, medical costs, and Long Term Care Insurance. Assisting clients in the area of protection planning from catastrophic events or long term care costs helps keep the family’s goals and legacy in tact. 

Paula’s goal is to help her clients have confidence and comfort knowing that they have a prepared plan for unexpected life events. 



Credit & Lending Specialist

Licensed loan officer and real estate agent Sully K. Madain believes that trust, integrity, and experience is how he helps families achieve the American Dream.  He prides himself on exceeding client's expectations in finding the best rates, service, and options for their credit needs. Whether it's the lowest rate possible, guidance, or complex financing, he realizes you are unique and will work with you to form a loan exclusive to your needs as his team originates loans for multiple lenders.

Visit Sully's website at www.sully4loans.com