For those of us who live in a cooler climate, a cozy, wool coat is a must-have.  I suggest a longer version because, well, the more of you that’s covered, the warmer you’ll be!   Although a coat can be a bit of an investment, it is one that will surely pay off throughout the fall and winter season.  I suggest purchasing a long, wool coat in a neutral shade that will work with most of your wardrobe.  My picks are as follows:

1. J.Crew Duffy Wool Duffle Coat – $595

2. MANGO Perfecto Effect Coat – $220

3. Topshop Burgundy Textured Parka – $196

4. Madwell Promenade Coat - $268