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After 13 years as a fashion influencer — recently reaching coveted FOC status (that’s Friend of Chanel) — Charlotte Groeneveld has realized she’s a minimalist with a quality-over-quantity mindfulness. Except when it comes to jewelry.

“In that case, I am definitely a maximalist,” the Fashion Guitar creative director, 39, admits. On any given day, the Netherlands-born, New York City-dwelling style maven is most likely to be wearing three rings per hand, including her Art Deco-style Asscher-cut diamond engagement ring flanked by baguettes, and her favorite Chanel Coco Crush gold bands.

“I love them in combination with my finger tattoos,” explains Groeneveld, who has the initials of her three kids permanently etched across the middle knuckles of her right hand (“S” for Stella, 10, “J” for James, 12, and “T” for Teddy, 2). “It is unexpected when you look at that gorgeous fine jewelry, to see that contrast. It’s so me.”

Read on for more clues as to how Groeneveld achieves her never-ending chicness.

“This has the best fit — slightly oversized — just how I like it. Whenever I wear it, I get so many compliments.”

“My very first piece of fine jewelry from Chanel! I own it in beige gold and white gold and wear them on my middle and pointer fingers of my right hand. I love mixing metals when it comes to jewelry.”

“For the premiere of ‘The New Look’ on Apple TV+, the brand launched this new fragrance, and it is absolutely amazing. I don’t switch often from my favorite scents, but this one came in first place the moment I smelled it.”

“I love my jeans baggy. I have many other brands in my wardrobe, too, but my forever go-to — when my bank account allows — is Balenciaga.”

“This is the latest in my Chanel jewelry collection. We shot this for the opening of the Chanel jewelry boutique on Madison Avenue in September 2023, and I haven’t taken it off since.”

“I buy them two sizes up for the perfect aesthetic and feel of a tee stolen from your dad in the ’80s. I use them layered and peeking out of my wool sweaters.”

“This Dior bag accompanies me everywhere. Medium is the best size; big enough to fit in a lot, not too big to carry around. More of a day bag than evening, but since evenings are preferably spent at home, I don’t mind.”

“It is truly the lightest makeup. You don’t feel it! Whenever I wear this, people say my skin is glowing.”

“I love the bow detail and the way it is on one finger but covers both.”

“This is the second layer of my daily makeup, which gives blush and a slight contour. I use ‘Petal – Dusty Nude Rose.’ It’s so warm and goes with my skin tone perfectly.”

“Ever since I lost my most-favorite-of-all-time sunglasses, a cat-eye from Celine’s Phoebe [Philo] era, I tried to find a replacement. This oval pair is so far the best.”

“I love playing around with warm deep tones, but I always come back to the one on the top right. It is the perfect beige to give definition and shape, subtle but there.”

“I wanted this watch since college, so it was a dream to finally own one. I like my watch to be a little big in size, so I wear the 33 millimeter.”

“Elegant, understated, and cute under jeans or a summer dress.”

“Fresh and perfect for daytime scents in the house. They burn really, really long.”