Monogram jewelry is soaring in popularity. There is something visually so striking with intricate initials in fancy scripts.

It is hard to even discern what the initials are, they become a design element unto themselves. These are studded with pale, angel coral, natural half seed pearls and Persian turquoise cabochons.

The letters represented are H L & J in some order and that are intertwined and highly decorative. These rest atop an oval puffy photograph locket of 18k gold.

It opens to reveal two compartments with frames, one with glass and one with a clear plastic replacement.

Original to the locket is the gemstone studded bale to match.