Bold but not heavy is the idea here—unless you want to resemble a Masterpiece Theatre dowager, all jowls and jeweled chokers. "Massive necklaces can make a big statement," says Schwab. "But they can also create wrinkles by pinching the skin." Look for comfortably lightweight pieces that are large enough to cover the chest—you can even layer on several for a more intense effect. Collarbone length is ideal because it establishes decorative frame for the neck. (Tight chokers, however, are problematic: They press the flesh, causing creases when you turn your head.) Vivid earrings in unusual shapes can deflect attention from your neck (chic, eye-catching glasses do the same), but again, beware anything weighty—if the ponderous silver hoops you found in Puerto Vallarta are pulling down your lobes, everything will start to look droopy. It takes discipline to handle jewelry well. Schwab allows herself a single focal point: either an elaborate necklace or imaginative earrings, not both—or, if she wants to shift the emphasis altogether, an armful of stacked bracelets.