https://civitai.com/models/535926/jewelry-slider-pony-sdxl

Slider for adding jewelry, will change image if not prompted for hair/clothing and such.

Works for SDXL and Anime also

No specific guidance/ trigger words in original link, suggest using the types of jewellery you wish to see.

0 (or -1) for no jewellery up to 4 for bling.