What Moisturizers Do Not Contain Ingredients That Might Break Down Retin-a or Hydroquinone?

i currently use bio oil at night, but am thinking of switching to ultra virgin coconut oil. i wear only physical sunscreens, as i had been informed that chemical sunscreens, and combos of physical and chemical were not advised - is this true? i use the australian sunscreen clue lizard. is there another that you would recommend?