People tend to think navy and black don't mix. In truth, combining neutrals—navy and black; black and brown; different shades of white, cream, and tan—shows a real sense of style. Black-and-navy combinations were big on the fall runways; the subtle contrast is smart for work or evening.

A navy dress looks especially sophisticated with black accessories. The multicolored necklace ties it all together.

Dress, $109;

Belt, 213 Industry, $62;

Necklace, GB Couture by Emily & Ashley, $565, Bergdorf Goodman, NYC; 212-753-7300

Bag, Coach, $358; 866-262-2440 for stores.

Shoes, $420;

Next: Adam recommends 4 pairs of body-shaping jeans


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