I'm going to suggest you go to swifty's blog. She has a lot of good information there for formulating lotions.
I believe most of us here stick to basic emulsions, perhaps with a little propylene glycol, silk proteins, and ewax. However I have not seen anyone discuss using retinol. ( that doesn't mean no one does, but I haven't seen it. )
The Dish Forum also has a large amount of very knowledgeable members when it comes to lotions. More lotion geared than soapmaking. Word of advice Do Not ask for a recipe over there, but do a lot of reading and maybe ask for recommendations. Besides Susan form Swift Crafty there is another member with extreme knowledge in making lotions.
OK thanks! Yeah I got percentages from the other site so I can make my own recipes. It's good bc now I can add or substitute ingredients. My girls and I are making a bath body candle baskets for Christmas gifts. Always fun