What's a good moisturizing lotion or cream for a face that's no longer young?

I’ve never gone in much for lotions and creams or paid attention to brands. My skin was richly oily and smooth long past its usual time and is not very wrinkled even now. (My mother tried to comfort me through teenage outbreaks by telling me I’d be grateful later on, but I couldn’t see it.)

But now it is dry and flakes a bit in places. What’s a good treatment?