The necklace is probably imitation pearls.
The bracelet could be cultured freshwaters if she bought them in the past 12 years or so. (Old people shop for new things too!) They seem a bit egg shaped, which would be typical of freshwaters. If so, they were probably bought when gold prices were lower.
Unless the eggy shape is just distortion of the image from photographing them flat. If the pearls in the bracelet are really round, they are likely cultured akoyas.