Rate my skincare routine! (Or really, just give me advice how to do better)

Hiya - when my son was applying to college last yer there were all these "rate my chances" sites he looked at. I kept thinking I want that for my skincare routine! So I'm finally asking. :).

I am a 54yo white woman. My skin doesn't have any real problems and I've always been super grateful for that! My "issues" are just normal aging -- lack of firmness (hate that), some fine lines that I don't mind too much (yet, lol) and some marionette lines (also hate). I am interested in doing all I can to maintain my skin's health and youthfulness as well as I can for as long as I can (without any botox, needles, fillers or surgery). Here's what I currently do:

Morning:

• Wash with Kate Somerville Exfolikate Cleanser or sometimes lately Tatcha Rice Wash Skin Cleanser
• Sometimes - not every day, but about idk, about 2 times a week - i use Dennis Gross Alpha Beta Universal Daily Peel pads
• Apply 1 squirt of Sunday Riley Good Genes Lactic Acid Serum
• Apply a dab of moisturizer - either good ol' Cerave or, more often, Clarins Multi-Active Jour Niacinamide + Sea Holly Extract
• Sunscreen up! ROC Hydration+ Moisuturizer with Hyaluronic Accid (spf30)

Evening:

• Wash with Kate Somerville Exfolikate Cleanser
• Apply pea-sized amount Tretinoin 0.025% one my face, another same size amount on my neck and upper chest area
• Moisturize with Dr. Dennis Gross Advanced Retinol and Ferulic Intense Wrinkle Cream
• Every once in a while (approx 1-2 times per week): instead of the trent and Dennis Gross moisturizer, I do this combo: Kate Somerville Exfolikate Intensive Exfoliating Treatment followed by a healthy squirt of Biossance Squalane+ Vitamin C Rose Oil

I don't know much about what ingredients I need. I've read articles but it just never sticks in my brain. So what I'd really like to know from you is:

1. Anything I am missing from my routine?
2. Anything I can cut out? I feel like I fell into some of these products. Sure, I like how they feel on my skin -- but are they working for me? (Or duplicated by something else?)
3. Any thing I'm wasting my money on? (Probably a lot, lol) I'd love to know some cheaper swaps that will do the job just as well or better.
4. In short: what can I do better??

I included links here not as advertisements but so you can look at the ingredients if you're not familiar with the product.

Thank you!!