Layers.

(Jacket, Mango; Dress worn as Shirt, Polo Rugby; Skirt, Madewell similar here; Purse, Tory Burch; Shoes, BP; Sunnies, Ray-Ban, Necklace, courtesy of Irina Victoria Jewelry)

Irina Victoria Jewelry sent this fantastic tiered gold necklace that pairs great against a sharp black. Just in time for the holiday season, you can get 40% off all of Irina Victoria's handmade pieces through 12/22 using the code, BOP40