Abstract: An article of jewelry has an appearance of a cluster of gem stones instead of a piece of gold with gem stones mounted on it. First, a group of gem stones is selected according to size, color, and shape. Then the gem stones are arranged in a desired cluster or geometrical pattern. Next, the cluster arrangement is inverted and the pattern of the back of the cluster is traced. Then, a custom frame or crown of prongs is formed for each gem stone and all frames or crowns are welded together into a matrix, in the desirable geometrical arrangement. Each gem stone is set into its own frame or crown and an edge of the frame is molded as a bezel, or prongs are bent, over the sloping edge facet of the gem stone. Either way, the impact of the resulting jewelry is one of a cluster of gem stones and is not one of a piece of gold or other metal with a stone set on it.