Believe it or not, many reputable jewelers offer one-of-a-kind rings without charging exorbitant fees. Some companies require a minimum purchase or bill clients a small amount for preliminary work, such as drawings.

At Tacori a custom style begins with sketches, from which a plastic mold (top) is made; this allows for adjustments. The end result (bottom): a 2-carat brilliant-cut round diamond with cadillac side stones and pavé accents in platinum (from $2,500 (including the design but not a center stone); tacori.com).