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Free standard shipping on orders over $99
Estimated to be delivered on 6-12 Days.
At Lumaryon Universal, customer satisfaction is our priority. If you are not completely satisfied with your purchase, you may request a return within the eligible return period as outlined on our website. Items must be returned in their original condition, unused, and in original packaging to qualify for a refund.
Once your return is received and inspected, we will notify you of the approval or rejection of your refund. Approved refunds will be processed to the original method of payment within a reasonable timeframe. Shipping fees are non-refundable unless the return is due to a defective product or an error on our part.
Customers are responsible for return shipping costs unless otherwise stated. Please note that certain items may be non-returnable due to hygiene, safety, or clearance reasons, which will be clearly communicated at the time of purchase. We recommend contacting our support team before returning any item to ensure a smooth and efficient return process.
by Jamie Nemtsas (Author), Drew Meredith (Author)
We call them the ' golden years' . Retirement these days can span 30-plus years, so we need to plan retirement as carefully as we plan other phases of our life that span three decades - our career, raising and educating children, and buying and paying off our home. This book helps you make this plan. It looks at the lifestyle you want to achieve in retirement, how to keep your money working for you when you are not working and how to set your affairs in order for the later part of your life when you inevitably become less independent. Most importantly, it helps you navigate the multiple challenges that will arise, with the benefit of the experience supporting those who have been there before. Packed with case studies from a career in financial advice, as well as practical and actionable insights, this book will educate, inspire and give you peace of mind as you plan for, transition to and live your best life in retirement.
Jamie Nemtsas is a finance enthusiast driven by a passion for helping others increase their financial literacy and achieve their financial goals. He has been in the financial services industry for over 20 years. His career spans the corporate and private sector, growing and building businesses across financial services. Drew Meredith CFP(R) is a financial adviser driven by a passion to address the growing need that is retirement-focused investment and financial advice. An avid writer, Drew's focus is on educating and driving clients and readers to make informed financial decisions.
At Lumaryon Universal, we are committed to providing a smooth and reliable shipping experience for every customer. All orders are carefully processed within 1–3 business days, excluding weekends and and public holidays.
Once dispatched, orders are shipped using trusted carriers, with an estimated delivery timeframe of 6–12 business days, depending on your location and carrier conditions. Customers will receive a shipping confirmation email with tracking information as soon as their order is shipped, allowing them to monitor delivery progress.
While we strive to meet estimated delivery times, occasional delays may occur due to factors beyond our control, such as weather conditions or carrier disruptions. Our team remains available to assist with any shipping or delivery inquiries to ensure a secure and hassle-free shopping experience.
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