If you live anywhere close to San Francisco, odds are you know how to layer like a pro. Fab reader Rkorkounian readies a look for those not-too-warm, yet not-quite-jacket-weather days by layering a chambray shirt under a cream-colored striped sweater. A quilted vest adds warmth, while keeping her look streamlined, and dark skinny jeans tucked into oxblood boots keep the mood of her layered look firmly in Winter. To finish it off, she gives her outfit the perfect amount of sparkle with gold accessories: a statement necklace and a classic timepiece.

Congrats, Rkorkounian!

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