Lloyd says anyone can create a sophisticated look with the next three basics. The first essential is a trench coat, which is always a solid investment. "Spend the most you can. Get a bright color. Get white. Make it pop," he says. "When you travel, it's light to pack. And you can layer under it."
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Not sure what to wear underneath your trench? Try a black or white turtleneck. "If you're concerned about your neck, gone are those lines," he says.
Basic black trousers are a slimming way to show off your shape. "If you're petite, [get] more of a tapered leg, slightly tapered," he says. "If you've got hips, [get a] fuller leg. It will balance out the hips."