A heart set all over with small pearl-look beads is the Valentine's piece she can wear with a blazer and a blouse. It hangs from a fine gold-tone chain with a little smooth gold-tone heart tucked beside it, so the pair shifts and catches the light as she moves.

The chain adjusts from 18 to 21 inches, so the hearts settle at an open collar or just above a crew neck. Wear this COCO + CARMEN necklace through February, then keep it for spring dinners and a favorite dress.

• Heart pendant set with pearl-look beads
• Small smooth gold-tone heart beside it
• Fine gold-tone chain with an extender
• Length: 18 to 21 inches