Here’s a color palette based on your specifications:

 <Elegant Earthy Tones>
1. Rich Burgundy - 
                            
                            #800020
                         - A deep, luxurious red that conveys sophistication and warmth.
2. Warm Brown - 
                            
                            #8B4513
                         - A rich, earthy brown that adds a sense of comfort and stability.
3. Olive Green - 
                            
                            #556B2F
                         - A muted green that brings a natural, calming element to the palette.
4. Light Cream - 
                            
                            #FFFDD0
                         - A soft, warm neutral that provides a gentle backdrop for the other colors.

This palette is characterized by its earthy and sophisticated tones, combining deep, rich colors with a light, inviting background. It’s perfect for creating a cozy and elegant atmosphere.

Do you have a specific project or context in mind for this palette? Additionally, would you like suggestions on how to use these colors effectively in your design?