Usually when we wear black, or B&W, we use a bright or light color for an accent. Using navy blue as an accent gives you a sophisticated look, even when you are layering on the patterns.
Here I've used black leggings and a lovely navy tiered top. Over that I've put a B&W plaid shirt. Over that I've layered a B&W large polka dot cotton jacket. Keep the shirt collar inside the jacket and fold back both cuffs together. Now, slide into these wonderful B&W striped and bowed flats. Pop in the substantial silver hoops. And grab the all black handbag. You're ready to take on the world!