For a fail-safe smart option, you can't go wrong with this combo of a camel coat and a white and black pencil skirt. If not sure as to the footwear, go with heeled sandals.
White and Black Pencil Skirt with Heeled Sandals Smart Casual Chill Weather Outfits In Their 30s
For a casual outfit with a modern spin, marry a black leather biker jacket with a white and black pencil skirt. A pair of heeled sandals instantly kicks up the wow factor of any look.