Our “initial” thoughts when we saw this necklace were that we had to have it on our neck. Though wearing a letter has been popular for a while now,  the diamond details make Kara Ackerman’s GemGirls Diamond Initial Charm a bit more special. The 18kt gold disk and chain combo is the perfect holiday gift for every lady on your list and a splurge worth investing in for yourself.
Available at karaackerman.com for $400 per charm.