Florida is fickle when it comes to cold weather, one day it's cold(ish) and the next day starts off cool and ends up in the high 80's. Thanks to layers I wasn't completely left in the cold (or heat)... I paired a chunky knit vest with a simple chiffon dress and a brown bow belt around the waist. Finishing with gold accents, a colorful bag and pumps. I think if I were to try this look again I would go with black accessories as opposed to brown. 
Vest Old Navy, Dress H&M, Belt Nanette Lepore, Pumps GoJane, Bag Old Navy, Bangles Vintage