Hi Rick.
I asked this same question. Owen, (a knowledgeable & frequent poster) suggested to me a mix of coconut oil, sesame, almond oils. I was trying to find the post he replied to me. Anyway, I made it and used it when I went to Florida. It worked great. My English/Irish, Michigan skin was fine. I believe he mention that the coconut oil is a natural sunscreen. I hope he sees this post and answers. In the meantime I will try to find my original post.