The first thing you need to sort is a decent stand alone (i.e. not in moisturiser or makeup) broad spectrum sunscreen, preferably SPF 50. Eucerin, Avene, Bioderma, La Roche Posay are brands that are fairly easy to get. You need to wear it everyday, summer and winter, indoors and out, and it takes at least 2.5ml to cover your face and neck adequately. Some leave an undesirable white or shiny face so do read reviews or ask on here. Boots often have discounts as do the online beauty sites like look fantastic. Broad spectrum means it protects against ageing and cancer causing UVA as well as UVB (the burning rays).
If your sunscreen is heavy or sticky it might take a bit more effort to clean it off, though I'd imagine coconut oil would do a bit of dissolving. I'd think it would be best to clean off the coconut oil and any residue with a cleanser. I like a gentle one myself but my skin is sensitive. CeraVe do very reasonably priced cleansers. And moisturisers for that matter. The CeraVe Cream to Foam for normal to dry might suit you. I use the big bottle of moisturising lotion.
When you're happy with your sunscreen - as in wearing it daily, doesn't sting your eyes, cause breakouts or dry your skin, you can add a retinoid at night. This is Vitamin A basically, and helps decrease the signs of aging but makes skin more sensitive to sunlight.
Comes in many forms. Tretinoin is the prescription form. Retinol is the most common and best researched of over the counter forms. Both can irritate a lot, and dry out your skin. Retinal is a less researched possibly less irritating form. Indeed Labs do a cream called retinol resurface or something similar that is a good product to start with. Usually on offer somewhere too. It also contains peptides, another anti-aging ingredient, with less research behind (they cause my peach fuzz to become more noticeable so I don't use). Boots no7 have a retinol, la Roche Posay have Redermic, Avene do retinal and Medik8 do a range of different types.
You could add vitamin C in the morning before starting on retinol but both together have the potential to irritate and I'd start the retinol first. Same with exfoliating acids. You can always start using them at a later date.
Morning
Clean or rinse with water.
Moisturiser.
SPF
Cleanse
Retinoid
Moisturiser
Slow and steady is the way to go.