Help?! Skincare Routine Help!

So, I don't have any major skin issues. Maybe a pimple here and there, and some redness on the cheeks. No sensitive skin issues, or dry skin, either. Only real problem, I feel, I have is darkness under the eyes - so annoying. Lol

I also have never done a skincare routine before! I NEVER wear make up, either. I am almost 28 now, and I keep reading that skincare regimens are good.... So, I did a bunch of research, and bought a bunch of stuff. And then I realized, I have a community of beautiful people I can ask right here!

I have two questions:

1- Is it ok to go from doing nothing to my face/skin to doing a whole regimen?

2- Is the routine I have come with and the products pictured alright? Any adjustments or suggestions?

Please no mean comments, I am just getting started and learning as I go!

Thank you all in advance!!

My planned routine in order, morning and night (below is the picture of the products I plan to

use):

1 - Cleansing Water

2 - Toner

3 - Niacinamide+Retinol Serum

4 - Eye Cream

5 - Oil Free Moisturizer w/ spf (maybe only in the AM)