This was a very meticulous job, so working under a huge zoom most of the time was very helpful.
I selected all letters using the pen tool.
I added them onto the face close up (source 1), after removing the initial pendant by using the clone stamp tool.
I made letters more shinny and silverish by changing blending mode to screen, selected a diamond from initial close up. Covered letters in diamonds, made them shinny.
Selected the little dangler on top of the initial pendant, duplicated it and added it on top of letters to make them connect to the whole necklace.
Added shadows, gradients and lens flare to the whole image.
A huge thank you to "xstockx" on deviantart for a great image which actually inspired me. You can visit an amazing stock at: http://xstockx.deviantart.com/. (3 years and 311 days ago)