Lyons likes to layer her company's crystal necklaces, but she says that they must be pulled off with at least a soupcon of cool indifference: "If you're going to pile on the jewels, pair them with a utility jacket and jeans," she advises, "or a chambray shirt. It's one thing to borrow from Grandma's closet, but you don't want to end up looking like Grandma."
J. Crew Infinity Necklace, Crystal, $125, at jcrew.com.
J. Crew Crystal-and-Pearl Libretto Necklace, $118, at jcrew.com.
And if over-the-top glitz isn't quite your thing, don't fear: "Pick a style that speaks to you," FetchingBoston.com's Epstein says, "and keep the rest of your outfit simple. Avoid bold prints, high necklines, anything that might detract."
Siman Tu, Turquoise Cabochon Earrings, $300, at vivre.com.
Lisa Salzer, the designer behind Lulu Frost, loves this piece's unlikely versatility. "This can be worn with a t-shirt and jeans for a chic daytime look, or paired with evening wear for a night out," she says. "It's a great piece that transitions from day to night."
Lulu Frost Double Fringe Necklace, $240, at Blue Tree, 212-369-2583.
"This would look great with a fitted white t-shirt, dark-wash jeans, and stilettos," Epstein notes.
Juicy Couture Sequin Drama Bib Necklace, $228, at shopbop.com.
Lots of dangling seed beads are "a bohemian look." Epstein recommends pairing this style with a drape-y cardigan, a hobo bag, and skinny jeans tucked into suede boots."
Lee Angel Multicolored Beaded Necklace, $370, at netaporter.com.
Fialkoff says, "It's important that the piece reflect a woman's personality. If you're splurging, you want something that can be worn day and night so that you can really make the most of it." But at just $50, this panda can afford to be playful.
Topshop Panda Ring, $50, at Topshop.com.