Do I ovulate too late?

Anna
I've been TTC well over a year now. I've opk's in the past, but quit them mid cycle because I thought I was using them wrong bc I didn't see a positive surge, and I ran out of test sticks. (I also temped my bbt but got discouraged mid cycle bc I never saw a surge during the window glow gave me) I've been using opks now again for the last 2 months and they show that I ovulate on cd 20 of a 28-29 day cycle. I've been using glow to track my fertile window, so now I'm thinking, I was bd-ing on the wrong days, actually 1 whole week before I ovulate. So now I'm thinking I was missing my fertile window this whole time.
I want to add that both me and my bunny have been checked for blood, sperm, ultrasound and we are healthy, but my dr thought it was too early to see a fertility specialist  
My questions are: 
If my period is usually regular in the number of cycle days is it possible I've been trying during the wrong week this whole time?
If I ovulate on cd 20 of a 28-29 day cycle is it too late to ovulate? 
Is there a problem associated with ovulating later? 
If so, Can someone shed some light for me?