Skin Care Regimen

Hi there, I was wondering what is the best skin care regimen that I can follow? I am a 22 year old male,  have combination skin, mainly oily in my T-zone and i have many black heads.Occasionally i will get pimples in that region.

Specifically I was wondering if you could make any recommendations as to what products I should use, and being that I am a male, i would expect i should be looking for different things in products. I am currently using a neutrogena moisturizer with spf 15--it is a cream, but i also heard that the gel-based creams should be used instead, is there a big difference between the two. I was wondering what could be done about blackheads(these are my biggest problem) and also had a question about using Retin-a Creams? Is this something that should be included in a skincare regimen or only used under certain circumstances?

Any feedback from you would be greatly appreciated,

Thank you.