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Reader M may want to review our post on what not to wear to black tie events if she still doesn't know what to wear after the first tip (talking to people/looking for pictures), I would get a very modest maxi dress and plan to wear that

The Gigi Ponte Dress features a sultry bodycon fit featuring a front cutout detail with gold hardware, and an elegant square neckline

Whether you're attending a garden party, a day at the beach, or a casual outdoor event, this 2-piece set is ideal for a range of occasions, and both daytime outings and evening gatherings.

If you are planning on celebrating Derby Day, you'll need a fancy hat to wear