Your wife is beautiful and so refined.
It's a matter of how you put it, so you should have just told her that she is beautiful instead of being foolishly honest.
He says he never needs advice from anyone, but as soon as a beautiful woman offers him some, he’s all ears.
A person who is beautiful is a beautiful woman. Wait, why isn't this a beautiful person? Because of course only women can be beautiful - men tend to be handsome, or just generally not as good looking. So, while both "beautiful woman" and "beautiful person" are technically correct, you're generally only going to hear it as beautiful woman, so remember that meaning.
This is a jukugo word, which usually means on'yomi readings from the kanji. If you know the readings of your kanji you'll know how to read this as well.