Help me with a regime

I am 29 and so far my whole morning and night time routine is just face wash and moisturizer. I have pretty good skin with that regime, with weekly clean ups. (Cleanse, scrub, face mask, massage cream)

Now I want to keep away aging and start with a regime. I've heard about retinol and niacinamide. What should I start with?

Currently I'm using an anti-aging night cream, but want to build a solid routine.