The first thing I would say OP is that skincare can be a minefield, so it depends on how much time/ effort you want to put into it. People will list of reams of products that they use, many of which will not suit you, or you won't be interested in. Some people see it as a hobby, and love it, some don't.
It's difficult to give advice on specific products, as it depends on your skin type, formulation preferences and budget.
Also, no cream will reverse saggy jowls, so it's important to be realistic about what skincare can do. Even prescription strength retinol will only do so much.
That being said, a good skincare routine can make skin appear brighter, clearer and can help reduce the signs of fine lines etc.
For a basic skincare routine maybe something like this:
Morning:
Gentle cleanser
Vitamin C Serum - will help brighten your skin
Moisturiser
SPF - use 30+, and make sure to use enough to properly cover your face/ neck/ hands.
Evening:
Gentle cleanser
Serum (optional, there are lots out there)
Retinol product (start very slow, maybe once a week at first)
Once a week, substitute the retinol with an acid exfoliant.
If you are introducing 'actives' like vitamin c, retinol, acid exfoliants, be sure to go slowly and introduce one at a time and give your skin a chance to adapt to them.
Hope that's helpful. If you want further reading there is an excellent long running skincare thread on there with some good links in the OP.