What is the secret to matching skin tone and pearl color ?

there are various schools of thought on this topic but as far as we are concerned it really comes down to an individuals personal taste, pick the color that you are most drawn to as you are the one who will be wearing the piece.

White pearls with silver overtones, similar to the Mikimoto pearls are often very complimentary to people who have darker or olive colored skin.  Pearls with rose overtones, and other colored pearls such as pink and peach are quite nice and very flattering with people who have fair skin. 

Of course the color of the pearls that are best suited to you is all a matter of personal preference. 

If you have olive or darker skin, a white necklace would be very flattering as well as anything with any color, your options are wide open.

What matters most is how you feel in your pearls as very few people will notice the overtone on your pearls other than you.  What you are initially drawn to is probably something that you would get a lot of wear out of.