How to Value Jewelry for Probate: Understanding the Process of Probate Appraisals

When a loved one passes away, their assets and belongings are typically distributed through a process called probate. This involves assessing the value of their estate, which can include valuable items such as jewelry.

When a loved one passes away, their assets and belongings are typically distributed through a process called probate. This involves assessing the value of their estate, which can include valuable items such as jewelry. It is important to collect and document all jewellery items owned by the deceased to ensure nothing is overlooked during probate and to avoid losing valuable or sentimental possessions. In order to accurately determine the value of these assets, probate appraisals, including jewellery valuation, are necessary. Probate appraisals also help avoid penalties from tax authorities by ensuring correct asset valuations. As a leading jewelry store with over 75 years of experience, David Stern Jewelers understands the importance of probate appraisals and the role they play in the distribution of an estate. In this blog post, we will discuss what probate appraisals are, when they are needed, and how David Stern Jewelers can assist with this process.

What is Probate Appraisal?

Probate appraisal, also known as estate appraisal or jewelry appraisals for court, is the process of determining the fair market value of assets within an estate, including jewelry, for distribution purposes. Probate valuations are distinct from insurance or retail valuations, as they focus on establishing the open market value of assets at the date of death, which is essential for estate settlement. It involves assessing the worth of these assets based on their current market value rather than their sentimental value.

During probate, the court may require an expert witness to provide an objective appraisal of the estate’s assets. This is where professional appraisal services, like those offered by David Stern Jewelers, come into play. With their expertise in jewelry valuation, they can accurately determine the type of value being determined—such as fair market value—during the probate process to ensure a fair probate appraisal.

The goal of probate appraisal is to establish an unbiased and accurate valuation of the assets to ensure equitable distribution among heirs and beneficiaries. Whether you’re looking for estate appraisers near you or jewelry probate appraisals, it’s crucial to work with professionals who specialize in this field to ensure a smooth process. With David Stern Jewelers’ experience and expertise, you can trust their professional jewelry appraisal services to provide the necessary documentation for the probate process.

The Importance and Purpose of Probate Appraisals

Probate appraisals play a crucial role in the distribution of assets within an estate, including jewelry. A proper valuation is essential for fair and equitable distribution, helping to avoid disputes and ensure all beneficiaries are treated justly. The importance of these appraisals lies in their ability to determine the fair market value of these assets, ensuring that the distribution process is fair and equitable among heirs and beneficiaries. By assessing the assets based on their current market value rather than sentimental value, probate appraisals provide an objective and unbiased valuation.

The purpose of probate appraisals is to establish an accurate assessment of the estate’s assets, providing documentation that can be presented in court, such as jewelry appraisals for court. This documentation helps facilitate a smooth probate process, as it provides clear evidence of the value of the assets involved. Whether you’re searching for probate appraisals near me or estate appraisers, working with professionals like David Stern Jewelers can ensure that the probate appraisal process is handled efficiently and accurately. Obtaining professional valuations from qualified appraisers is crucial for probate purposes, as they provide detailed written reports and photographs to support the proper valuation of jewelry and other assets. With their expertise in jewelry valuation, you can trust that they will provide the necessary documentation for a fair and successful probate appraisal.

When to Consider Getting a Probate Appraisal near Boca Raton

If you find yourself in a situation where a loved one has passed away and you are involved in the probate process, it’s important to know when to consider getting a probate appraisal. Probate appraisals, including jewelry appraisals for court, are necessary when there are valuable assets involved, such as jewelry, that need to be distributed among heirs and beneficiaries.

You should consider getting a probate appraisal if the estate includes jewelry or other valuable assets that may have appreciated in value over time. This is especially important if there are multiple heirs involved, as an accurate appraisal will ensure fair distribution of the assets. If there are no specific instructions in the will regarding the jewelry, it may need to be sold as part of the estate liquidation process.

Additionally, if there are any disputes or disagreements among the heirs regarding the value of certain items, a probate appraisal can help provide an objective and unbiased assessment. This can help to resolve conflicts and ensure a smooth probate process. Gifts of jewelry given within seven years of death may also be considered during the probate process for tax purposes.

By working with professionals like David Stern Jewelers who specialize in probate appraisals, you can trust that the process will be handled efficiently and accurately. They have the expertise and experience to accurately assess the value of jewelry and provide the necessary documentation for the probate process.

The Process of Probate Appraisal in Boca Raton for Estates and Assets

The process of probate appraisal for estates and assets, including jewelry, involves several key steps to ensure an accurate and fair valuation. Estate jewelry appraisal is a specialized service often required for probate, especially when dealing with valuable or unique pieces. Once you have identified the need for a probate appraisal, you can contact professionals like David Stern Jewelers to guide you through the process.

First, a qualified appraiser will visit the estate to assess and document the jewelry and other valuable assets. They will carefully examine each item, noting its characteristics, condition, and any unique features. They may also take photographs or measurements to support their appraisal. It is important to keep jewelry items in a secure location without cleaning or repairing them prior to appraisal to preserve their original condition. The appraiser will assess different values, such as estate retail value, liquidation value, and intrinsic value, depending on the purpose of the appraisal.

Next, the appraiser will research and analyze the current market value of each item. They will consider factors such as the rarity, desirability, and condition of the jewelry to determine its worth. The price of estate jewelry can be influenced by market trends, which reflect the current demand and popularity of certain styles, periods, or materials in the jewelry industry. Factors such as maker’s mark, gold content, and the presence of diamonds can greatly impact the final valuation. Testing the purity of gold and authenticity of diamonds can significantly affect the appraised value. Rare or unique pieces often have more value due to their scarcity. Jewelry that is highly sought after by collectors and enthusiasts will generally be valued higher due to its desirability. The appraiser may consult industry databases, market trends, and their own expertise to arrive at an accurate valuation. Evaluating the quality and authenticity of diamonds is an important part of the estate jewelry appraisal process. The role of gold in determining the value of estate jewelry is significant, with gold stamps like ’14K’ indicating authenticity and worth. Identifying the maker’s mark is crucial to authenticate and value estate jewelry, especially when associated with renowned makers like Van Cleef & Arpels, which can influence desirability and value. Intricate designs and craftsmanship can enhance the uniqueness and value of jewelry. Expert appraisal of antique jewelry is necessary to determine its value based on rarity and materials. The monetary value of jewelry is determined by factors such as maker, craftsmanship, and market demand. Identifying valuable pieces is important when selling estate jewelry. Highly sought jewelry styles or makers can command higher prices. Estate jewelry appeals to collectors and enthusiasts alike. Evaluating the quality and rarity of a diamond in vintage or antique jewelry is also essential.

Once the appraisal is complete, the appraiser will provide a detailed report that includes descriptions and valuations of each item. This documentation can be presented in court as jewelry appraisals for probate, providing evidence of the assets’ value for distribution purposes. High end auction houses can provide free appraisal estimates for valuable pieces. Several industry groups set standards for appraisers, and membership in these groups is a mark of professionalism. The training required for jewelry appraisers goes beyond basic gemological knowledge. Industry groups require appraisers to meet specific qualifications and ethical standards.

Throughout the process, it’s essential to work closely with professionals like David Stern Jewelers who specialize in probate appraisals. They can ensure that the appraisal is conducted thoroughly and accurately, giving you confidence in the valuation of your loved one’s assets.

Special Consideration for Jewelry Appraisals in Probate Process

Probate appraisals for court, specifically when it comes to jewelry, require special consideration during the probate process. Jewelry holds both financial and sentimental value, making it a unique asset that needs careful assessment. When it comes to jewelry appraisals for probate, it’s essential to work with professionals who have experience in valuing these precious items. Fair market value (FMV) is the price an item would sell for on the open market between a willing buyer and seller, often lower than retail price.

One of the key considerations for jewelry appraisals in the probate process is determining the appropriate market value. Factors such as the condition, age, craftsmanship, and rarity of the jewelry must be taken into account. Additionally, any appraiser involved in the probate process should have the expertise to identify any unique or antique pieces that may require additional research or specialized knowledge.

Furthermore, it’s crucial to have accurate documentation for jewelry appraisals in probate. This includes detailed descriptions, photographs, and valuations of each piece. This documentation serves as evidence in court, ensuring that the distribution of the assets is fair and equitable among heirs and beneficiaries.

By working with professionals like David Stern Jewelers, who specialize in probate appraisals for court, you can trust that your loved one’s jewelry will be accurately assessed and documented. Their expertise and experience in valuing jewelry will ensure that the probate process proceeds smoothly and fairly, providing peace of mind during this challenging time.

Role of a Jewelry Appraiser in the Probate Process

A jewelry appraiser plays a vital role in the probate process by providing an accurate and unbiased valuation of estate jewelry and inherited jewelry. Their expertise ensures that each jewelry piece is carefully examined, taking into account factors such as precious metals, gemstones, craftsmanship, and even sentimental value. High-quality settings made with precious metals like gold or platinum often increase the value of the jewelry. High-quality stones with vibrant color, clarity, and cut will increase the value of the piece, making it essential for the appraiser to assess these attributes thoroughly. By determining the fair market value of these assets, a jewelry appraiser helps facilitate a fair distribution among heirs, which is essential for an equitable probate process.

A reputable jewelry appraiser will produce a detailed report that includes photographs, thorough descriptions, and the appraisal value of each item. This documentation is crucial for probate purposes, as it establishes the accurate value of the estate’s jewelry assets and supports the legal requirements of the probate process. Testing the metal involves verifying its purity and authenticity, which can significantly affect the overall worth of the piece. The appraiser’s impartial assessment helps prevent disputes among family members and ensures that the market value of each item is properly recognized. Ultimately, the jewelry appraiser’s valuation plays a vital role in determining the financial value of the estate and supporting a smooth and fair distribution of assets.

Probate Appraisal Cost and Billing: What to Expect

Understanding the cost and billing structure of probate appraisals is an important part of the probate process. The fees for jewelry appraisals can vary depending on the complexity of the estate, the number of assets involved, and the experience of the appraiser. Most jewelry appraisers charge by the hour, with rates typically ranging from $50 to $200 per hour. For larger estates or more extensive collections, some appraisers may offer fixed-cost packages or customized quotes. Precious metal prices for metals such as gold, silver, and platinum are highly sought after due to their durability and timeless appeal, which can also influence the overall valuation of the jewelry.

Before engaging an appraiser, it’s essential to discuss billing and payment terms to avoid any surprises. Transparency in pricing ensures that you know exactly what to expect throughout the process. In some cases, the cost of the appraisal may be deductible from the estate’s assets, helping to offset expenses during the probate process. Working with a reputable and experienced appraiser is key to obtaining accurate valuations and ensuring that the estate’s jewelry and other assets are properly assessed for probate purposes.

Jewelry Appraisals for Insurance Purposes

Jewelry appraisals for insurance purposes are designed to provide an accurate estimate of the replacement value of your jewelry, ensuring you have the right amount of coverage in case of loss, theft, or damage. Unlike probate appraisals, which focus on fair market value for estate distribution, insurance appraisals determine the cost to replace a jewelry piece with one of similar quality and characteristics. The insurance replacement value is generally higher than fair market value and should not be used for probate. The purity of these metals, often indicated by stamps like ’14k’ or ‘925,’ can also impact the value, as it reflects the quality and authenticity of the material used in the jewelry.

A reputable jeweler or appraiser will carefully assess the type of metal, gemstones, craftsmanship, and current market trends to determine the appropriate appraisal value. Because precious metal prices and market conditions can fluctuate dramatically, it’s important to have your jewelry appraised regularly to maintain adequate insurance coverage. The appraiser will provide a detailed report, complete with photographs and descriptions, to support the appraisal value and ensure you are fully protected. Keeping your jewelry appraisals up to date is essential for peace of mind and financial security.

Tips for Smooth Probate Appraisal with David Stern Jewelers

If you’re in need of a smooth and hassle-free probate appraisal, David Stern Jewelers in Boca Raton is here to help. With our years of experience in jewelry appraisal for court cases, we understand the importance of accuracy and efficiency in this process. Here are a few tips to ensure a smooth probate appraisal with us:

1. Gather all relevant documents: Before scheduling the appraisal, make sure you have all the necessary paperwork, including any wills, estate documents, or documentation of the deceased’s jewelry collection. This will help us provide a thorough and accurate assessment.

2. Communicate your needs: Let us know if there are any specific requirements or concerns you have regarding the appraisal. We are here to address your questions and ensure that the process meets your expectations.

3. Provide a secure location: Ensure that the jewelry and other assets are stored in a secure location until our appraiser arrives. This will help us conduct the appraisal safely and without any issues.

4. Be prepared for questions: During the appraisal, our expert appraiser may ask questions about the jewelry, such as its history, sentimental value, or any unique features. Providing as much information as possible will help us accurately assess its value.

5. Trust our expertise: Our team of experienced appraisers has a deep understanding of jewelry valuation and the probate process. Trust in our expertise to provide a fair and unbiased appraisal that will stand up in court.

With these tips in mind, you can expect a smooth and efficient probate appraisal with David Stern Jewelers in Boca Raton. We are committed to providing the highest level of service and accuracy to ensure a successful probate process for you and your loved ones.

Conclusion and Next Steps

In conclusion, obtaining an accurate appraisal for estate jewelry, inherited jewelry, or even costume jewelry is essential for probate purposes, insurance, or when selling inherited jewelry. Costume jewelry should also be appraised, as vintage or designer pieces can hold significant market value. Working with a reputable and experienced jewelry appraiser ensures that you receive a detailed report with photographs and descriptions, supporting the appraisal value and facilitating a fair distribution of assets among heirs. Whether you are dealing with antique pieces, high-value estate jewelry, or sentimental items, a professional appraisal provides the accurate valuation needed to make informed decisions.

The next steps include contacting a trusted jewelry appraiser, gathering all relevant documentation, and discussing billing and payment terms to ensure a smooth process. By taking these actions, you can confidently navigate the complexities of estate appraisal, insurance purposes, and selling inherited jewelry, knowing that your assets are valued accurately and fairly. If you have questions or need assistance, reach out to a reputable jewelry store or appraiser to guide you through the process and help protect the value of your estate’s jewelry.

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David is very professional. He explained the process for a jewelry appraisal and provided a detailed, quality report. He is very knowledgeable about diamonds, explaining the differences between lab grown and mined diamonds. David provided a fair price to buy a diamond as well. He repaired a ring and polished my diamond while I watched. David is reputable and I would work with him again.
Response from the owner:Thank you for your kind review. It was a pleasure to work with you Regards David Stern
My girlfriend and I went to see David to have a few sapphires appraised and were very surprised and overly happy with not only his honesty but also his knowledge. He definitely went above and beyond! Would recommend him to anyone. Mike
Response from the owner:Thank you for your acknowledgement of my services. All was a pleasure to educate and explain clients questions. I look forward to working with you again Regards David Stern
From start to finish David was professional and honest. A pleasure to work with.
Response from the owner:It was a pleasure working with you Thank you for your great review
I brought in my engagement ring for a “second opinion” because when someone at the International Diamond Exchange resized my ring, it came back with unremovable residue under the diamonds in the setting, and denied that it was a problem. David and Colleen told me they would put it in an acid bath, and they kindly removed my center stone to avoid damaging anything. They placed the stone safely in a little pack for me to take home, which was so wonderful because it is a family stone. I hope to be picking it up soon. David said it would look as good as new! Because they were so kind, I went ahead and asked them about a design for my fiancé’s wedding ring. David gave me a great estimate and set up a plan for me that I can afford (I’m about to graduate college) and told me he would make it exactly to my specifications. I am so excited! Thanks to Rob, Colleen, and David. Such amazing service, and for a walk-in no less!
Response from the owner:Thank you for you kind review Tara. Always happy to help. I see too many easily remedied jewelry issues that upset people. Jewelry is a personal and emotional item. David Stern Jewelers is always available for advise and correction. We are not only a jewelry store we are trained professional career jewelers that do all work in house and sometimes if posible while you wait.
Although writing a testimonial and supportive review is not something I often do, there are a handful of special moments in one's life when you encounter a service, product or company that thoroughly exceeds your expectations. So very much so, and in every capacity, that you feel as though you'd be remiss if you didn't share your wonderful experience with the world. THIS is one of those times! I am a REAL CUSTOMER and this is my unsolicited story. I respectfully encourage you to read on. After conducting a fair amount of Due Diligence and reading the reviews about reputable Jewelers -- just as you're probably doing right now -- I can honestly say that I couldn't be more pleased with the expert guidance, creativity and fair-priced service that I received at David Stern Jewelers. My first encounter with David Stern was by telephone, and within just a couple of minutes or so, after I had explained the nature of my multiple inquiries, I was convinced that my search efforts had paid off and that I'd truly found the right guy! I made an appointment to visit with David that afternoon and was later greeted by David at the door. His outright friendliness was candidly warm, personable and very down-to-earth. This put me at ease right away and we went into his office for a personal consultation. I explained that subsequent to my Mom's recent passing, my brother and I had inherited her fairly extensive collection of all kinds of jewelry … it included a mixture of diamond pieces, white & yellow gold bracelets, necklaces, rings, pins -- both Vintage and Current -- along with many pieces of costume jewelry. This entire collection would, at a later date, be fully evaluated, assessed and render a proposed cash offer. Among other things, I first wanted to repurpose the diamonds from two of my Mother's rings to create a one-of-a-kind Engagement Ring for my very deserving Fiancée. Like a couple of old friends working together, I described to David what I was looking for and, on very short order, David came up with a basic sketch rendering. It incorporated several sentimental stones from both of my Mom's rings ... David's creative vision for this finely crafted piece was amazing! Truthfully, ten days later when I picked up the finished ring, I was blown away by its exquisite and gleaming design … so was everyone else, especially my Fiancée … when I proposed!! It was a custom creation from the ground-up that only someone with David Stern's talent could precisely fabricate. Since the purchase of that beautiful ring, I've been back to see David several times. Each time, he insists on cleaning and polishing whatever pieces of jewelry I/we happen to have (routinely Free-of-Charge) and we're always greeted like "Family". Our most recent appointment was a three-hour Cost-Free consultation to appraise and assess our Mother's entire collection of jewelry. We selected a few pieces that we wanted to keep in the family, and then decided to accept David's generously-fair Cash-Offer for the remaining pieces. I can honestly say that when it comes to Jewelry, you won't find a nicer, more-qualified, pleasant, genuine, knowledgeable, trustworthy, considerate and fair-minded person than David Stern. You simply cannot go wrong with a guy like this and I can't think of a single reason to shop for jewelry anywhere else! David B. Boca Raton, Florida
Response from the owner:Wow what a great review This is the recognition that would make any artist /business man/designer get a big head I’ll keep mine under control and continue to do whatever it takes to make my clients feel as good as you have made me with your review Regards David Stern
David did a fabulous job making our rings. We could not have asked for better service. Very knowledgeable.
Response from the owner:Thank you for your great review. You both were a pleasure to work with. Enjoy the rings David Stern
Working with David was exceptional! He was extremely helpful and knowledgable when my boyfriend and I were picking out an engagement ring. The whole process from start to finish was professional and fun! We would highly recommend David Stern Jewelers for any and all of your jewelry needs!
Response from the owner:Thank you You were both great to work with and it was so good that Taylor bought you the best diamond and ring that you wanted You have a good man, you are a beautiful soul. (And beautiful woman)l wish you a great life together All the best David Stern
I was looking to have insurance appraisals done on a few pieces of jewelry and found David through a very lucky Google search! I wanted a private jeweler with the professional experience, but personable demeanor. David was pleasant and prompt and shared some knowledge with me while I watched him work on the evaluation. I will definitely return to him!
Response from the owner:Thank you for this great review It was a pleasure working with you regards David Stern
David, the owner of the store that bears his name is a true professional with decades of experience. His advice for valuations are spot on, but more important, he will not only design for you, he will deliver as promised.
I went to David to have an engagement ring appraised because of his excellent reviews. I was very impressed with David’s knowledge and honesty and was glad to see that the great reviews were well earned.
Response from the owner:Thank you for the great review I am always available to help you for any of your jewelry needs
Mr. Stern went above and beyond expectations for me. I highly recommend
David was incredibly professional got my ring done ahead of schedule. I had been looking for somebody to make me an engagement ring for some time and felt pretty uncomfortable dealing with many of the jewelers I had spoken with. Fortunately for me I stumbled into David's shop and he walked me through all the steps and made the process super comfortable. He listened and was receptive to what I asked for in a ring, and my god did he deliver. I would recommend David Stern 10/10 times and I look forward to doing all of my future business with him.
Response from the owner:Alex, Thank you for the review. Recognition for good service and work is the best thank you I can get. Thank you again. Please think David Stern Jewelers for any future jewelry needs. No sale or custom work or repair is too big or small
After speaking with many jewelers but being unable to schedule an appointment, David agreed to see us and appraise our ring the same day. He did a thorough and complete job explaining the process as he went. His knowledge and care were remarkable. Without prior discussion or appointment, he spontaneously and generously provided information about additional jewelry that we were unable to obtain elsewhere and he agreed to repair a bracelet we thought was unfixable - and at a reasonable price. We are grateful that we found him and Milo and we will definitely return!
Response from the owner:Thank you for your great review. It was a pleasure to work with you. So glad you enjoyed your time with me Regards. David Stern
Michelle E.
I just came from the store and David is amazing! He spent 3 hours with me to discuss designing a piece. He was so patient sans had amazing taste. We can't...
I loved my experience with David! My engagement ring had been given to my husband through a string of people so we didn’t know much about it. I came into David’s jewelry shop to get some answers about it. David sat down with me and patiently answered all of my questions, told me more about the ring, and even cleaned my ring. He didn’t even end up charging me! I really enjoyed my experience and will definitely be back for all of my future jewelry needs :)
Response from the owner:Thank you for your great review my goal is to make each and every client lieve my store with a smile on their face When you think jewelry think David Stern Jewelers. YOU CAN SEE MY WEB SITE AT DAVIDSTERNJEWELERS .COM
We went to see David about a new jewelry purchase we made. We choose David for the reviews he has received. My wife and I could not be happier. David was patient answering all our questions and his advice was spot on. This is a man of integrity and we would recommend David just based on his knowledge and demeanor. We received a new appraisal within 15 minutes and the cost was reasonable as expected.
Response from the owner:Thank you for your great review Enjoy your jewelry Regards David Stern
I highly recommend David Stern. His jewelry is of the highest quality and he has the most unusual pieces. Also being a nice trustworthy gentleman doesn’t hurt either.
Response from the owner:Thank you for the great review. Always good to receive such compliments Regards David Stern
I lost the diamond in my custom designed wedding ring when the setting prongs became loose without me realizing. I was beyond heartbroken and sad and it actually took me 4 years to look for a jeweler that I could trust to help me. My original setting was too high and I thought I would have to have the ring completely redesigned. After a diligent search , I found David Stern Jewelers. David was very welcoming and entering his store felt more like visiting an old friend than a stuffy, uptight establishment that most jewelry stores feel like (to me, anyway). David assured me that we could lower the setting and he had a beautiful pear shaped diamond that fit perfectly. And, amazingly enough, he had the new diamond in the new setting within 3 hours! I'm so happy that I walked into that little "gem" of a store and met David! He's the real deal!
Response from the owner:Thanks you for your kind review, It was have fun working with you and it was great that I had the exact diamond you were looking for at the price you wanted to spend, that it was perfect for your original ring which is sentimental to you Regards, David Stern
We had an amazing experience with David and Milo and will definitely return soon!
Response from the owner:Thank you for taking the time to write this review. You were a pleasure to work with. Regards David Stern
David, is a true designer of jewelry. He has been great understanding the design from the concept that we had in our mind and able to create it, better than we expected. He is also a very honorable person and great to work with! Gina and Paul
Response from the owner:Thank you for the outstanding review You were a pleasure to work with. Regards, David Stern
I had a wonderful experience getting some jewelry appraised. David was honest and upfront about the pieces. Gave me some good advice about buying pieces while on a cruise (will not make that mistake again!). I will be back in the future to actually purchase pieces from him as he has beautiful pieces in his store that many of them are made and designed by him directly. Very satisfied!
Response from the owner:Thank you for your great review. Best thank you anybody could give me Have a safe trip home and good luck and enjoy your sons wedding Regards David Stern
Debbie B.
My jewelry was appraised by David Stern at his Boca Raton location. David Stern is a professional who explained the jewelry appraisal process with clarity...
Great experience. Polite, professional, and resolved my issue very fast. Highly recommend.
Response from the owner:Thank you for this review. I always do my best to make the experience as pleasurable as possible
Cynthia J.
I was recommended to visit David Stern Jewelry for an appraisal on two pieces of Alexandrite jewelry. David directed me in the right direction of including...
David was able to appraise my jewelry piece while I waited at a very reasonable price! Helped me with 2 other pieces that needed repair. All in all, I had a very agreeable experience with someone who is very professional, knowledgeable, helpful and friendly. My place to go with any jewelry needs!!
Response from the owner:Thank you for this kind review. You were a pleasure to work with. Regards, David Stern