'WAGS' Bachelorette and Her Girls Go T-O-P-L-E-S-S

We know this ... "WAGS" star Nicole Williams and her hot model girlfriends won't come home with many tan lines -- her bachelorette party is tops optional.

Nicole, who's marrying ex-NFL star Larry English, is over in Hawaii with her crew (including Natalie Halcro and Olivia Pierson) and when they took to the high seas Thursday ... some bikini tops dropped.

Models Shanina Shaik, Angelica Lee and Sharina Gutierrez and many more are on hand.