Just remember that navy is a great neutral and can be paired with so many different colours - try green, yellow or even pink. The possibilities are endless.
If I was wearing Khakis I would be very East coast.
When layering it is always a nice touch to have the cuff of a button down shirt fold over the layering top. Just looks finished.
Back view, yeah! Saggy jeans just make your butt look bigger, why do that to your butt? I'm no JLo, now these jeans have great pocket placement and are a very slimming dark denim.
Pearls just seem to dress up this outfit, great for a casual Friday at work. Pair it with heels, great bag and you can go to lunch with the girls or even a nice dinner.
Folding the jeans makes the outfit look more casual. If I unfold the jeans add heels and a red clutch (any colour will do) I would be ready to go out. Outfit takes you from day to night.
Striped shirt - Club Monaco, Button down - Ann Taylor, Red Jeans - Joe Fresh, Blue Jeans - Adriano Goldschmied, Shoes - Cole Haan, Necklace - Le Chateau