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Charm Necklaces

Your Story, Not Ours. Our Charm Necklaces are designed to empower and inspire you through their meanings. Behind all the collections are grand themes and universal ideas made modern. Because jewelry should not just be beautiful.

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  • Charm Necklaces

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

  • Charm Necklaces

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

  • Charm Necklaces

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

  • Charm Necklaces

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

  • Charm Necklaces

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

  • Charm Necklaces

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

  • Charm Necklaces

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

  • Charm Necklaces

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

  • Charm Necklaces

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

Our charm necklaces are foundation pieces for our brand and can become one of those every day building blocks for your wardrobe as well as making ideal jewelry gifts for someone special. Whether you decide to wear them short or long, an 18k gold charm necklace or a sterling silver charm necklace is the perfect style for all your everyday looks. %expanded-mobile%

They can be worn on their own as “hero” styles or layered with so many of the jewelry pieces you already own to create a fun, but contemporary “layered” look. With our "design your own" charm chains you can also create the perfect custom charm necklace that is uniquely yours. The design your own charm necklace doubles as a beautiful and meaningful gift for your mom, sister, best friend or anyone in your life.%expanded-desktop%

The chains come with enhancer stations that allow you to easily add the charms of your choice and change them out for a different look whenever you would like. The result – the ultimate custom charm necklace. And you can always add a locket from our collection to create a customized charm locket necklace as well. Each of our charm necklaces also captures grand themes and emotions like carpe diem, empowerment for our Dorothy medallion, dream for our moons, adventure for our hot air balloon and so many others. With that in mind, we know that you will enjoy browsing the collection to find the unique style that captures both your own personal spirit and story. Feel free to also reach out to one of our stylists at concierge@monicarichkosann.com for help finding or creating a charm necklace style that is uniquely you.

Charm Necklaces FAQs

How do you make a charm necklace?

Creating a charm necklace is an act of personal storytelling. Start with a chain that feels like the right foundation. From there you can add meaningful charms: symbols, birthstones, or empowering mantras. Choose the meanings that speak to your life and your unique journey. Choose from our curated charm necklace collection, or you can build your own with our interactive Design Your Own experience.

How do I care for my charm necklace to prevent tarnishing or damage?

Depending on the metal, sterling silver, gold vermeil, or 18K gold, care instructions may vary, so follow guidance specific to your piece. All of our sterling silver styles are finished with rhodium, a valuable precious metal, to help resist tarnishing.

 

In general, it’s always a good idea after wearing to gently store your necklace in a lined box or soft pouch to protect it. Your Monica Rich Kosann piece is designed to be your daily companion. Consistent and thoughtful care ensures it can be for years to come.

How do I choose the right chain length and style for my charm necklace?

Consider how you want the necklace to sit. Shorter lengths (16–18”) are great for wearing solo, whereas longer chains (20”+) offer room for layering and more dramatic styling. Fine links and cable chains are classic and simple, while paperclip styles give a more modern look. Choose what complements your story—and your everyday wardrobe.

Are charm necklaces still in style, and how can I style them?

A meaningful charm necklace never goes out of style. Monica Rich Kosann’s pieces are designed for a lifetime and can be layered, personalized, and are deeply individual. Mix metals, wear varying chain lengths, and combine different types of charms to style your piece.