I'm wearing a cashmere cardigan over a cute little top with a fun collar here. I just folded down the very top of the cardigan so it would fit under the collar. A little bling and I'm good to go. (The darker color in the sweater is the same brown as the skirt, not the black it appears to be.
Floral Cashmere Cardigan in Light Aqua, Talbots; Collared Satin Blouse in Light Aqua, Talbots; Wool Flannel Skirt in Dark Brown, Talbots; Jewelry, Talbots.