Probably too much?

I forgot to put in the Micellar water I use. I wanted to include 10% Niacinamide, Azelaic acid, Bakuchiol, and Resveratrol in there too. Thoughts?

P.S. I'm 41, with very fair skin, and some sunspots and hyperpigmentation. I live in Florida, where it's always hot and humid. My skin is generally normal, but dry around my eyes and neck. I've been using retinoids and exfoliants for many, many years and am not very sensitive to them.