Fall is dictating that flats are more essential than ever (especially with pencil skirts). These pointy-toe black shoes exude French girl-chic and yet can stand up to this New Yorker's pounding the pavement.

1. Michael Kors cashmere sweater,

2. Joomi Lim earrings,

3. Lulu Guinness pouch,

4. Madewell flats,

5. Topshop pencil skirt,