I have the exact same problem, and I'm 20! Here's my regimine:
+First, a good eye cream. Use 2x daily. I just started using
Origin's Eye Doctor, ($19.50), we'll see how it goes. Your Keihl's cream sounds really great. Just always use a light tapping motion and never pull or tug.
+Next, get a primer to help smooth out those fine lines underneath your makeup and lock in your eye cream's moisturizing properties. I put on
Smashbox Photo Finish ($36.00) first, then
Smashbox Photo Op Under Eye Brightener, ($18.00 ). (Photo Op contains pure vitamin c, and red wine extract to let loose the blood collecting under the eye (what makes them look dark), light-reflective properties to deflect darkness, and marine bio-collagen to help plump the under eye area to get rid of those pesky lines.)
+Lastly, good concealer. I use
Smashbox Camera Ready Full-Coverage Concealer, ($18). This bad boy contains soft-focus powder which doesn't let the concealer sit in fine lines, (and there's no chance of it even THINKING about doing so because of the Photo Finish is in there anyway!) Contains vitamin C, too, to battle harsh environmental factors (like smoke, pollution, etc.) which can cause fine lines by themselves. This concealer will never look cakey or make your undereyes look like crepe paper. And missy, I have been there, done that!
Try it, you'll like it!