Men should skip white jackets, unless they are attending a daytime summer event or the invitation specifies white. For women, casual flats or informal sandals are a definite don't.
Formal can encompass white and black tie, creative black tie and black-tie optional attire. White tie is the most formal dress of all and may only be expected at state dinners or, if specified, at evening galas and weddings.
Men should be in tuxedo pants with a double braid, a dress coat, a stiff white pique wing-collared shirt, braces, cuffs and studs, a white vest and tie, black patent shoes and dress socks and gloves. Women should wear long, floor-length gowns and -- optionally -- gloves, which are removed before dining.
Black tie is a step down in formality from white tie, but is still dressy. Men wear a tuxedo jacket and a black tie, but braces and vests are optional. Women may still wear floor-length gowns but could also opt for dressy cocktail-length dresses. Even a fancy little black dress or dressy separates will do. If the host specifies "creative black tie," a man can break away from the classic white shirt and black accessories to wear colors and patterns.
Women may accessorize with whimsical, colorful bags, shoes and jewelry. A short cocktail dress in a glittery gold or silver, a dressy sweater with a ball gown skirt or tuxedo pants and a silk blouse are also appropriate. The more vague distinction "formal" means you need to consider the time of year, your hosts, the occasion and the venue when choosing your clothing.
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