This is such an easy fall layering formula: a utility jacket over a soft cream cardigan with brown barrel jeans and suede loafers. The olive, cream, and rich brown combination feels polished without being fussy—perfect for a park stroll, errands, or a casual lunch. LTKootd LTKOver40 LTKSeasonal

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Women's Utility Fashion Jacket - Universal Thread\u2122 Green XS | Target
Women's Short Sleeve Heirloom V-Neck Cardigan Sweater - Universal Thread\u2122 Cream L | Target
Women's High-Rise Easy Barrel Jeans - Universal Thread\u2122 Brown 6 | Target
100% Suede Driver Loafer | Quince
Berkeley small shoulder bag in suede | J. Crew US
Electric Hoops | Electric Picks Jewelry