Trace an outline of the picture frame onto the back of the glitter paper and cut it out.
Put the glitter page into the picture frame and put the backing back on
Determine the size of the letters you want by measuring the space available on your frame. Print out letters in that size and cut them out.
Glue the printed letters in the center of glitter paper. This will be your guide for putting the pearls in the right spots.
Glue your pearls to the letters, starting from the top of each letter and working your way down. Align them in such a way that you don't see any gaps between them.
Pearl Valentine's Day Tree
Cut the stick for the foam heart pick in half and insert into the top of the foam cone until the stick is no longer visible.
Glue the pearls around the foam cone, starting all the way at the top and work your way downward until the pearls are covering the whole cone. This step will take approximately an hour.
Notes
If you have some faux pearl necklaces, you could probably use these for the Valentine's Day tree and it would make the process much faster. I believe Dollar Tree sells these around halloween, but not all year around.