This smart combo of a beige polo neck sweater and a white crew-neck t-shirt is capable of taking on different nuances according to the way it's styled. Balance out this ensemble with a more elegant kind of shoes, such as this pair of dark brown leather derby shoes. As you can see, it's very easy to look amazing and stay cozy when cooler weather hits, thanks to this ensemble. An exciting option for a 40-year-old gent!