FROM TOP: Hermès; Cartier; Bedat & Co.

Staying neutral can be a smart move, especially when it comes to accessorizing. Taupes, tans, browns and bronze hues offer versatility and ease when making the transition from boardroom to ballroom. Adding striking diamond settings against a cool muted band, luxury brands offer stunning yet subtle timepieces that represent all a modern woman could want in a watch—embellished elegance.

This Cape Cod Tonneau watch by Hermès ($17,200) is crafted in 18k rose gold and set with diamonds. The signature case-to-bracelet attachment is an iconic look for the brand with equestrian roots. The watch features a mother-of-pearl dial, a Havana alligator strap and color-coordinated Arabic numerals. The Shops at Fairfax Square, Tysons Corner

From Cartier, this sensual Délices de Cartier large watch ($28,900) is a newly released shape with a curvaceous design and feminine subtlety. This model is crafted in 18k pink gold and set with diamonds for ultimate allure. The shimmering strap is made of satin. The Collection at Chevy Chase

From Bedat & Co., this exquisite No. 3 tonneau-shaped watch ($18,150) is crafted in 18k rose gold and features a curved case top and bottom for a sleeker silhouette. The Swiss-made timepiece offers date indication and houses a mechanical automatic movement. The case is meticulously set with one row of 95 diamonds. The dial is opaline guilloche, and the caramel-colored strap is made of genuine handstitched alligator. Neiman Marcus, Mazza Gallerie