i have a tinted moisturizer that has SPF 15 in it already but i don't think that's enough for florida. there are moisturizers that have SPF in them as well. most of the moisturizers that have sun protection have SPF 15 which probably isn't enough for florida. i would be safe and use an oil free sun screen under make up. they don't look as shiny as other sunscreens and they feel more like moisturizers. coppertone has one that is SPF 45 and i'm sure skin-care companies like neutrogena have a good oil free sunscreen that you can use under make up.