A navy-and-white striped button-down with white pants is a reliable warm-weather combination with a clear coastal character. The vertical stripes give the shirt a longer line, while the white denim keeps the outfit bright and uncomplicated. Wearing the shirt open at the neckline or with the sleeves relaxed preserves the easy mood and prevents the pattern from feeling too formal.

A tan crossbody bag and woven block-heel sandals introduce natural texture and soften the crisp navy-and-white contrast. Tortoiseshell sunglasses add warmth near the face, while small gold hoops supply a quiet amount of shine. These accessories share a warm neutral family, which makes the outfit feel coordinated without requiring every piece to match exactly.

This formula works for a seaside lunch, travel day, resort shopping, or casual summer plans. Start with a striped shirt in navy, black, or green, add white or cream pants, and finish with one woven accessory plus a warm-toned shoe. The same proportions can be layered under a sweater or denim jacket when the temperature drops.