Your skin cell turnover slows by about 50% between your 20s and 50s—which is why that "glow" gets harder to maintain. The Dividend is a bioactive night cream that pairs 0.5% encapsulated retinol with peptides and ceramides in a rich, barrier-supporting base. Acetyl Octapeptide-3 softens expression lines, Tripeptide-29 supports collagen synthesis, and Ceramide NP reinforces your skin barrier—all while meadowfoam seed oil and shea butter lock in moisture overnight. This isn't a serum you layer under something else. It's your final step. Apply nightly to clean skin. Most people notice smoother texture within 3-4 weeks, with visible improvement in fine lines by week 8.
Here's what most retinol products get wrong: they either give you a serum that leaves your skin tight and dry, or a heavy cream that clogs pores and sits on your face all night. The Dividend does neither. We've formulated 0.5% encapsulated retinol—a clinically effective dose that's released gradually—into a moisturizing base that actually supports your skin barrier while retinol does its work.
The active complex includes two specific peptides: Acetyl Octapeptide-3 (which relaxes the micro-contractions that deepen lines) and Tripeptide-29 (which signals fibroblasts to produce more collagen). But the base matters just as much. Ceramide NP and phospholipids actively repair your skin barrier. Meadowfoam seed oil and shea butter provide deep hydration without the heavy, greasy feeling most night creams leave behind. The emulsifiers we use (cetearyl olivate and sorbitan olivate) are olive-derived and non-comedogenic—so you get rich moisture without clogged pores.
Most retinol products strip your barrier in the name of "results." This one builds it back up while you sleep.
Apply a nickel-sized amount to clean, dry skin at night as your final step. Smooth over face and neck, avoiding the immediate eye area. Wait 2-3 minutes before hitting the pillow so it fully absorbs. Start with 2-3 nights per week for the first two weeks, then increase to nightly as your skin adjusts. Always wear SPF 30+ during the day when using retinol products—this isn't optional. Store in a cool, dry place away from direct light (retinol degrades in sunlight).
Week 1-2: Your skin may feel slightly tighter or drier as it adjusts. This is normal. Some people experience light flaking—if this happens, dial back to every other night.
Week 3-4: Texture starts to smooth out. Pores look smaller. That dull, uneven tone begins to even out. Your skin feels more hydrated when you wake up.
Week 6-8: Fine lines soften. Skin looks plumper in the morning. The "before bed vs. waking up" difference becomes noticeable—you're not waking up with that tight, dehydrated feeling anymore.
Ongoing: Results compound with consistent use. This isn't instant—it's foundational. If you stop, the benefits gradually fade. Retinol is a long game.
Can I use this with other serums or treatments?
Yes, but apply them first. The Dividend is your final moisturizing step at night. If you're using other actives like vitamin C (morning only) or acids (alternating nights), let those absorb first, then seal everything in with this.
I've tried retinol before and my skin freaked out. Will this be different?
Maybe. The moisturizing base and barrier-repair ingredients make this gentler than most retinol products, but retinol is still retinol—some adjustment period is normal. Start slow (2x/week), and give your skin 4-6 weeks to adapt before deciding it's not for you. The fact that this is a cream, not a serum, means you're less likely to experience the extreme dryness people associate with retinol.
Is this too heavy for oily skin?
Probably not. It absorbs fairly quickly and doesn't leave a greasy film. That said, if your skin is genuinely oily (not just dehydrated), start with every other night and see how your skin responds. The olive-derived emulsifiers are non-comedogenic, so it shouldn't clog pores.
Ingredients: Water, Cetearyl Olivate, Sorbitan Olivate, Acetyl Octapeptide-3, Caprylyl Glycol, Caprylic/capric triglyceride, Limnanthes Alba (Meadowfoam) Seed Oil, Glycerin, Butyrospermum Parkii (Shea) Butter, Phospholipids, Retinol, Milk Lipids, Ceramide NP, d-alpha-tocopherol, Tripeptide-29, Fragrance, Phenoxyethanol, Ethyhexylglycerin, Xantham Gum.
Manufacturer Country: USA
Product Amount: 1.7 fl oz (50ml)
Suggested Use: Apply a small amount of the product to clean dry skin. Gently massage until fully absorbed. If used during the day, apply SPF before sun exposure.
Caution: If pregnant or nursing, consult your physician before use. Avoid contact with eyes. In case of irritation, discontinue use. Keep out of reach of children. Store in a cool, dry place.
