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First Vacation!

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My boyfriend and I will be planning our first big vacation together for our 4 year anniversary! I would greatly appreciate any information and tips. We live in the US and we are in our early 20s. We like to have lots of fun, but still have time to relax and enjoy the beach!

We are planning on going sometime in June 2016. I am looking for recommendations for resorts in places like Punta Cana and Cabo. Also, it has to be an all inclusive resort.

Could someone also explain to me how surcharges work? I would like to stay away from huge charges.

Here are some things I would like the resort to have:
-multiple restaurants
-swim-up pool bar
-nightlife
-variety of alcohol
-adults-only
-excursions (like snorkeling or beginners scuba diving)

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