So to start off with, here's my build as of right now.

http://www.worldofwarcraft.com/info/classes/paladin/talents.html?1100000000000000000005300000000000000000000523005102033100100000

keep in mind that I am only lvl45 and this is my first character. I'm looking for any suggestions for a respec if I need one. I have the gold no problem there. I would like to stay Ret, I just find it more fun to play. I may go Holy somewhere between 60-70.

Any constructive assistance anyone can offer would be appreciated.

Your build is not to bad but it can use some improvements... Try this..

45 ret build

This will help maximise your DPS for your level.

45 Prot build

45 holy build

I like imp BoM over Benediction once you have Sanc. Judgement.  But that is up to you... at 50 you'll want something like this:
http://www.worldofwarcraft.com/info/classes/paladin/talents.html?0000000000000000000000000000000000000000005023035100033125331001
Then pick up fanaticism and divine str.  Then you'll be 60! yay!

I love improved improved BoM at later levels. But reducing mana costs for your judgements = less mana used = less down time. But it is all up to whom you are talking to.