Meet Our Coaches



In 1992 Tim Braheem at the age of 25 unassumingly entered the mortgage industry as a part time loan originator while also working as an assistant manager in the super market industry.  Mr. Braheem achieved immediate success in his first six months in the business earning over thirty thousand dollars in personal commissions.  In January of 1993, Mr. Braheem left his managerial position to become a full time loan originator.  In his first full year he earned over one hundred thousand dollars at the age of 26. His early success was based upon his commitment to creating systems of world-class customer service, evolving his sales and presentation skills, marketing and database management. Soon it became clear that starting his own company was the appropriate next step - and First Rate Financial was formed in 1995 when Tim was only 28 years of age. "There was so much opportunity to do something great. My goal was to create a unique boutique mortgage company that would become the standard in Ventura County."

And indeed by 1998 First Rate Financial was the top mortgage company in Ventura County and per capita one of the highest producing mortgage companies in the United States, lead by Braheem as their top producer.  From 1997 to 2004 Mr. Braheem was recognized each year as one of the top fifty producing loan originators in the United States reaching a peak in personal production in 2004 when he personally closed a staggering 676 loans for a total of $236,000,000 in loan volume, ranking him 26th in the United States out of over 400,000 loan originators.  In 2004 Mortgage Originator Magazine inducted Tim along with only seven other originators into its Hall of Fame, recognizing his career achievements

Braheem’s career as an educator and public speaker began in 1999 when major banking institutions such as Bank of America, Suntrust and Wells Fargo hired him to train their staff on sales, marketing, systems of customer service, database management and time management.

In 2001 Braheem, along with his founding partner Richard Katz, founded, an online educational website for the mortgage industry.  As founder, CEO and Head of Faculty, Braheem quickly became one of the top educators in the mortgage industry and by 2006 Loantoolbox had over 11,000 paying members who looked to Tim as their coach. Loantoolbox became the standard for education within the mortgage space. That year, Tim was one of three finalists for CEO of the year as recognized by the Technology Counsel of Southern California.  Also in 2006 Loantoolbox was recognized by Inc. 500 Magazine as one of the 500 fastest growing companies in the United States.

In 2007 at the age of 40, Braheem retired and moved with his family to Italy to enjoy a year abroad.  Upon his return Tim enrolled at the University of Santa Monica as a full time student seeking a Masters of the Arts Degree in Spiritual Psychology, which he completed in 2011.  "I’ve always been passionate about understanding what inhibits people from fulfilling their dreams in business and their personal life.  My education at USM has been invaluable in helping me understand on a deeper level how to help people remove the barriers that prevent them from having what they want in their life.  I’m so excited about the skills that I now possess as a coach and teacher that will allow me to make a meaningful impact on people in transforming the results in their life.  The coaching system that I have designed with Performance Experts is applicable to all business professionals as the objective of our model is very simply to ensure that people address the areas in their life, both business and personal, that they feel they are underperforming.  The bottom line is that performance is inhibited in ones life due to limiting beliefs that they have about themselves.  My commitment is to engage on a deep level, with my clients to uncover the barriers that they have placed in the way of them having the success that they want in both their business and personal life.  When I work with a client, we have one directed objective, to remove barriers to enhance performance, resulting in more income and a more vibrant quality of life," explains Braheem.

Currently Tim is the founder, CEO and head coach at Performance Experts, as well as lead facilitator of the L360 Signature Program and L360 Masters Program and currently coaches in excess of 30 of the nation's top producing Loan Officers.

Download Tim's Resume




As an Executive Coach with Performance Experts, Julie coaches and supports our Leadership 360 clients in achieving extraordinary results in their businesses and lives. As co-facilitator of the L360 Signature Program and L360 Masters Program, she leads our clients in deepening their self-awareness and business skillsets to effectively produce results and achieve goals.  She coaches 30+ of the Nation's top producing Loan Originators.

With a business degree and 15 years experience working for a Fortune 100 company, Julie brings extensive experience in leadership, team management, communication and problem-solving skills to clients and their teams.  She is passionate about helping people bring their best selves to work and drawing upon team members skillsets to produce excellent results.  Her experience in corporate change management, where she redefined and rolled out business process change to large teams, enables her to easily understand complex business situations, provide clarity, and create a successful path forward for her clients.

She earned a Masters of Arts degree in Spiritual Psychology in 2014 and received a concentration in Consciousness, Health and Healing in 2016 from the University of Santa Monica.  She is a Certified Coach through the Newfield Network International Coaching School, located in Boulder, Colorado.  Her coaching experience combined with her ability to ask thought-provoking questions enables her to uncover challenges and resistance to support clients in finding success in both their businesses and interpersonal lives.

Working for Performance Experts since 2013 has provided her with extensive knowledge of the mortgage industry, which she applies to support clients in achieving success.  The integration of her corporate leadership experience, along with her education, enables Julie to help clients achieve powerful results in areas that are important to them, creating lives they love.

Julie lives in Los Angeles, California and enjoys playing tennis, hiking and yoga.  She loves to travel and explore new cultures.  Spending time in Costa Rica and speaking Spanish with locals brings a huge smile to her face.




Scott Bertone has weaved a path of successes by being willing to persevere in spite of fear, as he lives by the principle that fear is the gateway to greatness.  In addition to his coaching career, he has started a mortgage and real estate business, an online portal, and even a motorcycle superstore.  He has also worked with the Clinton White House and the Department of Defense, and he has served on the boards of companies in the worlds of technology, finance, and personal development.

While he's had some extraordinary successes among his many ventures, he credits much of his coaching insight to what he calls the “outrageous failures.”  He is able to bring into each of his client interactions a diversity of experience in technology, business, politics, real estate, and finance as well as coaching and personal growth.

As a young man, Scott worked his way through college as a Network Operator maintaining computer systems for hotel reservation systems, rental car companies, and travel agents.   This experience gave him the opportunity to explore networking, programming, computers, and the Internet several years before the dot com revolution.  It also led him into the world of politics.

After acquiring his Bachelor's in Business Management in 1995, he parlayed his technological experience to work on President Clinton's National re-election campaign as a member of the “President's Advance Team,” traveling across the country creating events with audiences, some in excess of 20,000 people, often done on very short deadlines.  He was responsible for coordinating, planning, and executing logistics for the President's visits, all in coordination with Secret Service, the White House Communications Agency, and local as well as foreign government leaders. 

From there, he became one of just ten people selected by the President as a White House Defense Fellow assigned to the Pentagon, where he further enriched his professional life from 1997 to 2000, working for the Department of Defense, first as Special Assistant to the Deputy Under Secretary for Industrial Affairs and Installations, and then as Country Director for Bulgaria in the Office of European and NATO Policy, and finally as Special Assistant to the Director of Global Affairs.

Driven to return to his business and technology roots, he co-founded his first Internet business in 1999 ― Motorcycle USA & Motorcycle Superstore ― and for the next several years dedicated his life to growing that business.  

By 2003, ready to take on a new challenge, he co-founded First Equity Direct in Del Mar, CA.  Serving as its Chief Operating Officer for the next 8 years, he focused on creating a national presence to become a full- service national residential mortgage lender, successfully growing its operations and developing a hard-working team of real estate/mortgage professionals closing transactions in 32 states.

Scott believes that everyone is capable of BOLDLY LIVING their dreams, but living BOLDLY was something that did not always come easy for him.  "I was filled with fear, self doubt, and a negative voice that many times stopped me from reaching for what I truly wanted.  After a life-altering accident no longer allowed me to ignore these feelings, a whole a new chapter of my life began as I shifted my focus away from trying to prove my worthiness to the world, opened up about my fear and doubts, and began seeking guidance and counsel to help me find happiness and life’s purpose."

Graduating from a life-changing Masters Program in Spiritual Psychology and earning his Certification in Soul Centered Professional Coaching, Scott found and embraced his passion for teaching and began coaching others by sharing his experience.

Before joining Tim Braheem and the Performance Experts Team, Scott established Bold Action Coaching, and he worked with John Assaraf at his company NeuroGym, serving as the Director of Programs and learning the business of coaching as well as the latest techniques in Internet marketing, sales and digital content delivery.  

Scott has coached a wide variety of extraordinary people from the ages of 22 to 73, including CEO’s, Doctors, Corporate Executives, Housewives, Actors, Writers, Filmmakers, and College Students.  "It is my passion to help those that are COMMITTED to breakthrough and take their lives to another level in areas of business, self-acceptance, intimate relationships, families, careers, and health.  I thrive on finding solutions to challenges and feel great pleasure when I can help others break free of limiting beliefs, identify their passion, and take massive action on a personal internal commitment."




Nicola guides achievers, executives, athletes and organizations to redefine succcess, create results and actualize their full potential.  With experience as a businessman and an athlete, combined with an artistic approach to work and life, Nicola brings a seasoned yet unique perspective to personal growth, as well as, leadership and performance development.

After spending most of his life in Italy, where Nicola earned a law degree, served as a former president of the Young Entrepreneur's Association, and co-owns an international business (Freight Fordwarding), he moved to the United States where he was mentored by preeminent coaches.

Nicola's credentials include an M.A. in Spiritual Psychology from the University of Santa Monica, Advanced Professional Coaching certification with Steve Chandler and Robert Holden, extensive NLP and enneagram training, and Conscious Leadership Group affiliation.

Nicola currently serves on the board of Raincatcher, a non-profit organization committed to providing clean drinking water to impoverished regions around the world.  When he's not coaching executives, leaders or elite athletes, he's writing articles on success, performance and personal growth for the Huffington Post, or planning for his next V.I.P. coaching retreat.