Pearl Capital Management

Pearl Capital Management Pearl Capital Management is a fee-only registered investment advisory firm. At PCM, we are passionat

Pearl Capital Management (“Pearl Capital”) is a registered investment adviser located in Phoenix, AZ. Pearl Capital may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Pearl Capital’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access

to additional investment-related information, publications, and links. Accordingly, the publication of Pearl Capital’s web site on the Internet should not be construed by any consumer and/or prospective client as Pearl Capital’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Pearl Capital with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Pearl Capital, please contact the state securities regulators for those states in which Pearl Capital maintains a registration filing. A copy of Pearl Capital’s current written disclosure statement discussing Pearl Capital’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from Pearl Capital upon written request. Pearl Capital does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Pearl Capital’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice. Insurance products and services are offered and sold through individually licensed and appointed insurance agents. Mortgage and commercial lending products and services are offered through Geneva Financial, and sold through individually licensed mortgage loan originators.

For the past 10 years, we’ve had the privilege of supporting our clients through important financial decisions. Whether ...
05/06/2026

For the past 10 years, we’ve had the privilege of supporting our clients through important financial decisions. Whether providing guidance or helping them navigate complex choices, we’ve always believed our role goes beyond finances; it’s about building long-term relationships along the way.

Thank you to our incredible team for their dedication, expertise, and commitment every single day!

A decade in the making—10 years of dedication, partnerships, and progress. Here’s to the milestones behind us and the fu...
04/24/2026

A decade in the making—10 years of dedication, partnerships, and progress. Here’s to the milestones behind us and the future ahead! 🥂

10 years in, and just getting started.A decade of delivering professional excellence, advocating for what matters, and c...
03/21/2026

10 years in, and just getting started.

A decade of delivering professional excellence, advocating for what matters, and creating a truly elevated, high-touch experience for every client.

Here’s to the trust, the growth, and the impact ahead.

Client reflections like this remind us why professional excellence is at the core of everything we do. Financial plannin...
09/25/2025

Client reflections like this remind us why professional excellence is at the core of everything we do. Financial planning is not only about numbers, it is about creating a sense of calm and confidence even in life’s most stressful moments.

At Pearl Capital Management, we are fiduciary first, female led, and committed to educating with compassion.

DISCLAIMER: This testimonial was written by a current client of Pearl Capital Management. No cash or other compensation was provided.

🍂 As the seasons change, so do your financial needs. A strong retirement strategy should be built to grow with you, cove...
09/23/2025

🍂 As the seasons change, so do your financial needs. A strong retirement strategy should be built to grow with you, covering your living expenses not just at the start of retirement, but through every stage of it.

At a 3% annual inflation rate, $50,000 in today’s expenses will feel more like $90,000 in 20 years and $120,000 in 30 years if you want to maintain the same lifestyle.

The cost of living will rise year after year, so your retirement plan should be designed to support your future financial needs.

Is your strategy ready for tomorrow’s expenses?

Source: FactSet, as of 3/15/2023

Disclaimer: The information provided by Pearl Capital Management is for informational purposes only and should not be interpreted as financial, legal, or investment advice. Always consult a licensed financial professional before making any financial decisions.

95% of Advisors can earn commissions. Only 5% of Advisors are Fee-Only Fiduciaries. We are proud to be in the minority. ...
09/10/2025

95% of Advisors can earn commissions. Only 5% of Advisors are Fee-Only Fiduciaries. We are proud to be in the minority.

09/04/2025

Teresa Milner, Senior Wealth Advisor at Pearl Capital Management, is passionate about guiding women through major life transitions with clarity and compassion. Whether navigating divorce, the loss of a partner, or a new career path, Teresa offers thoughtful, personalized strategies that support long-term financial stability.

At Pearl Capital Management, we help women move forward with confidence by turning complex financial decisions into manageable, meaningful steps.

Retirement expenses usually fall into two groups. There are the things you need to cover, and the things that make life ...
08/12/2025

Retirement expenses usually fall into two groups. There are the things you need to cover, and the things that make life more enjoyable.

That might mean planning for taxes and insurance, but also leaving room for hobbies, travel, or supporting the people you love.

Your retirement plan should reflect both, and that's where a clear financial plan can help.

Have you thought about what would make an enjoyable retirement?

07/31/2025

Shyla Bassey, Wealth Advisor at Pearl Capital Management, specializes in working with individuals at pivotal points in their personal or professional lives. Whether transitioning into a new career, planning for retirement, or preparing to sell a business, she provides steady, thoughtful guidance at every step.

With a clear focus on long-term priorities, Shyla helps clients navigate uncertainty and move forward with purpose.

As a fiduciary, female-led team of compassionate educators, we are committed to helping clients make informed decisions that reflect their values and goals.

Entering your 50s or 60s without a formal investment or financial plan does not mean the opportunity has passed. In fact...
07/16/2025

Entering your 50s or 60s without a formal investment or financial plan does not mean the opportunity has passed. In fact, this stage of life often brings greater clarity, experience, and the resources to make meaningful decisions.

Whether you are planning to successfully not run out of money in retirement, strategize on how to not overpay in taxes to the IRS, or looking for a multi-generational plan to leave a legacy, thoughtful planning can make a significant impact on the financial resources available to achieve your goals.

Buying a home is one of the most significant financial decisions many individuals and families will make.This chart prov...
07/01/2025

Buying a home is one of the most significant financial decisions many individuals and families will make.

This chart provides a starting point to understand how your income might translate into home affordability, based on allocating 28% of gross income toward housing, with a 6.75% mortgage rate and a 20% down payment.

While these figures provide a useful frame of reference, the best decision comes from a clear understanding of your full financial picture, including your assets, commitments, and long-term priorities.

Have you considered what your version of affordability looks like within the context of your broader financial goals?

Address

4417 N. 40th Street, Suite 300
Phoenix, AZ
85018

Opening Hours

Monday 7am - 6pm
Tuesday 7am - 6pm
Wednesday 7am - 6pm
Thursday 7am - 6pm
Friday 7am - 6pm

Telephone

+16027181177

Website

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