Michael Lawston - Vice President

Michael Lawston - Vice President

Branch Manager

I’m proud to be the Branch Manager of the Richmond office for Foresters Financial Services, Inc., a company dedicated to providing everyday families with financial solutions, guidance and tools, to help meet their needs across all life stages. Our goal is to build solid relationships and long-term value to help clients grow, protect and enjoy what they have—by making sure their financial strategies work as hard as they do. We are part of Foresters™, an international financial service provider that gives back to the community and cares deeply about family well-being. Each year Foresters organizes thousands of community activities, providing financial contributions and hands-on volunteerism in support of charitable partners that make a meaningful and lasting impact in local communities. I am excited to be expanding my office. I am currently looking for talented, dedicated and driven individuals to join our team and have a significant impact helping others achieve their financial goals. We welcome applicants who are new to the industry, thinking of changing careers, or looking to re-enter the workforce. Please feel free to call me at (804)346-4670 ext. 301 or e-mail me at [email protected] if you’re interested in learning more about a career at Foresters Financial Services. Neither Foresters Financial Services, Inc. nor any of its affiliates, associates or representatives are affiliated with Facebook, nor endorse any of the views, representations or services offered or made by anyone else on this site. Foresters Financial™ and Foresters™ are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society) and its subsidiaries, incl¬¬uding Foresters Financial Services, Inc. Foresters Financial Services, Inc. does not provide legal, tax or estate planning services. All investing involves risk, including the risk that you may lose money.

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Common Money Mindsets That Hold You Back

According to US News, these common money mindsets may hold you back financially and hurt your wallet.

voices.cf.socialware.com US News Article

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If your kid gets a scholarship, you should get his 529 plan

Your child received a scholarship to college, so what do you do with his/her 529 plan? Read more from USA Today:

voices.cf.socialware.com USA Today News Article

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6 Months to a Better Budget

“One of the challenges with proper budgeting is that it has to become habitual in order to be effective.” Read more about creating a budget in six months from Investopedia:

voices.cf.socialware.com Investopedia Article

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10 Tips for Maximizing Financial Aid

College tuition is so expensive that even high-income families can get offers of financial aid. Your first step is to complete the federal forms, and then contact the school directly to further negotiate a financial aid package.

voices.cf.socialware.com College tuition is so expensive that even high-income families can get offers of financial aid. Your first step is to complete the federal forms, and then contact the school directly to further negotiate a financial aid package.

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How to Know If You've Been Hacked

Cyber-attacks are launched at us every day. Do you know the warning signs that your security has been compromised?

voices.cf.socialware.com Cyber-attacks are launched at us every day. Do you know the warning signs that your security has been compromised?

voices.cf.socialware.com

Last Will & Testament: Add a letter covering these 14 wishes

Having a will is necessary, but there is a great deal of information the legal document does not include.

voices.cf.socialware.com Having a will is necessary, but there is a great deal of information the legal document does not include.

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The Positive Side of Emotional Decision Making

Rational investors make better decisions or so the thinking goes. However, new studies show that rational thought and emotions are both necessary to cut through the details, focus on what’s important, and get on with the decision that needs to be made

voices.cf.socialware.com Rational investors make better decisions or so the thinking goes. However, new studies show that rational thought and emotions are both necessary to cut through the details, focus on what’s important, and get on with the decision that needs to be made

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Planning for future health care costs

The usual method for estimating spending needs in retirement is to take your post-retirement household budget and tack on an inflation rate, such as 3%.

voices.cf.socialware.com The usual method for estimating spending needs in retirement is to take your post-retirement household budget and tack on an inflation rate, such as 3%.

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How rising interest rates can affect your financial plans

Whether you are managing debt, investing assets, or developing an estate plan, changes in interest rates represent an excellent opportunity to review your financial plan and consider new strategies designed to capitalize on changing conditions.

voices.cf.socialware.com Whether you are managing debt, investing assets, or developing an estate plan, changes in interest rates represent an excellent opportunity to review your financial plan and consider new strategies designed to capitalize on changing conditions.

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Building Health Care Costs into Retirement Planning

Given rising expenses, no retirement plan is complete without some kind of provision for health care needs. Here are some guidelines and resources for estimating your needs and expenses.

voices.cf.socialware.com Given rising expenses, no retirement plan is complete without some kind of provision for health care needs. Here are some guidelines and resources for estimating your needs and expenses.

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The Importance of Asset Location in Retirement Income Planning

When it comes to the distribution of retirement assets, where those assets are located in the portfolio can have a direct bearing on how much income you receive.

voices.cf.socialware.com When it comes to the distribution of retirement assets, where those assets are located in the portfolio can have a direct bearing on how much income you receive.

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NUA tax strategy: How to roll over appreciated company stock

When you leave a job with a significant amount of appreciated company stock, you might want to explore possible tax breaks related to its “net unrealized appreciation."

voices.cf.socialware.com When you leave a job with a significant amount of appreciated company stock, you might want to explore possible tax breaks related to its “net unrealized appreciation."

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Sell or rent: Deciding what to do with your home

The decision on whether to sell or rent your home is trickier than other financial decisions because of the emotional ties you have to your home.

voices.cf.socialware.com The decision on whether to sell or rent your home is trickier than other financial decisions because of the emotional ties you have to your home.

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JFK shot: How Wall Street reacted 50 years ago

Markets panicked, then closed. A shocked nation mourned. And the reins of power transferred quickly. The world’s oldest democracy had endured - again.

voices.cf.socialware.com Markets panicked, then closed. A shocked nation mourned. And the reins of power transferred quickly. The world’s oldest democracy had endured - again.

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What's your money 'archetype?'

There are eight common money behavior patterns or "archetypes" battling it out in every investor. Being aware of your unconscious attitudes and behaviors toward money can give you an edge in managing your finances.

voices.cf.socialware.com There are eight common money behavior patterns or "archetypes" battling it out in every investor. Being aware of your unconscious attitudes and behaviors toward money can give you an edge in managing your finances.

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Closing in on Retirement? Read These Tips | Investopedia

Getting close to retirement? Check out Investopedia’s helpful tips as you start to think more about your retirement strategy.

voices.cf.socialware.com Getting close to retirement? Check out Investopedia’s helpful tips as you start to think more about your retirement strategy.

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WEP and GPO

Two big areas of confusion surrounding Social Security benefits are the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO).

voices.cf.socialware.com Two big areas of confusion surrounding Social Security benefits are the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO).

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Eight Tips For Budgeting While Struggling With Student Loan Payments

Here are eight budgeting tips from Forbes for those paying off student loans.

voices.cf.socialware.com Here are eight budgeting tips from Forbes for those paying off student loans.

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No Pension? You Can 'Pensionize' Your Savings

This New York Times article explains how you can ‘pensionize’ your retirement savings with this three step strategy.

voices.cf.socialware.com This New York Times article explains how you can ‘pensionize’ your retirement savings with this three step strategy.

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June 2018 Newsletter

Financial advice beyond the college dormitory.

voices.cf.socialware.com Financial advice beyond the college dormitory.

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Life Insurance in Retirement Planning

Life insurance is a flexible tool that can help protect your loved ones upon your death.

voices.cf.socialware.com Life insurance is a flexible tool that can help protect your loved ones upon your death.

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Women & Investing Stats: Why Women Should Plan For Retirement

Imagine what could happen if more women became financially literate and spread that knowledge to their networks of other women. Do something about your retirement and investment planning now and take a look at this article from A Secure Life.

voices.cf.socialware.com Imagine what could happen if more women became financially literate and spread that knowledge to their networks of other women. Do something about your retirement and investment planning now and take a look at this article from A Secure Life.

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11 Great Investing Tips for Women

Check out these 11 great investing tips for women from U.S. News.

voices.cf.socialware.com Check out these 11 great investing tips for women from U.S. News.

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7 ways to help you cut college costs

Parents may assume they earn too much to qualify for financial aid. However, there are a number of strategies that even wealthy families can employ to cut expenses. Here are seven steps for estimating costs and maximizing financial aid.

voices.cf.socialware.com Parents may assume they earn too much to qualify for financial aid. However, there are a number of strategies that even wealthy families can employ to cut expenses. Here are seven steps for estimating costs and maximizing financial aid.

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How parent and child assets impact financial aid packages

If you understand how assets are assessed on the FAFSA and CSS Financial Aid PROFILE, you can improve your chances for getting the best financial aid package possible.

voices.cf.socialware.com If you understand how assets are assessed on the FAFSA and CSS Financial Aid PROFILE, you can improve your chances for getting the best financial aid package possible.

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Millennials are saving for college for their own kids

Here’s CNN Money’s advice for millennial parents paying for their children’s college:

voices.cf.socialware.com CNN Money Article

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You Didn't Put Money Away for Your Kid's College Fund. Now What?

You Didn't Put Money Away for Your Kid's College Fund. Now What? – U.S. News

voices.cf.socialware.com US News

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Understanding Guardianship for Older Adults

One day you may find yourself involved in guardianship proceedings for an elderly parent or relative. Here’s an overview of what guardianship means today, how the court evaluates the adult, and what you need to know.

voices.cf.socialware.com One day you may find yourself involved in guardianship proceedings for an elderly parent or relative. Here’s an overview of what guardianship means today, how the court evaluates the adult, and what you need to know.

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15 Resources for Overwhelmed Caregivers

Studies show caregiving duties begin to take up more and more time as caregivers age. Fortunately, resources are available to help caregivers and their loved ones manage housing, budgeting, driving, and more.

voices.cf.socialware.com Studies show caregiving duties begin to take up more and more time as caregivers age. Fortunately, resources are available to help caregivers and their loved ones manage housing, budgeting, driving, and more.

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Holistic help for caregivers of aging parents

An integrative caregiving plan can help you contain costs and take advantage of the various planning and health care resources available.

voices.cf.socialware.com An integrative caregiving plan can help you contain costs and take advantage of the various planning and health care resources available.

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Checklist: Is it Time for Assisted Living

How do you know when loved ones are ready for assisted living? Use these guidelines to help spot the warning signs of aging and illness.

voices.cf.socialware.com How do you know when loved ones are ready for assisted living? Use these guidelines to help spot the warning signs of aging and illness.

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Foresters Financial

There’s no mystery to enjoying a comfortable retirement. It begins with careful planning.

voices.cf.socialware.com There’s no mystery to enjoying a comfortable retirement. It begins with careful planning. And the sooner you begin, the better.

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Planning your legacy: Where to start

As a generation, baby boomers are starting to wonder how we can leave our mark upon the world.

voices.cf.socialware.com As a generation, baby boomers are starting to wonder how we can leave our mark upon the world.

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Six tips for organizing your records

If you got hit by a bus tomorrow, would your loved ones know how to access your important records? Would they know which accounts you hold and where your money is? What about insurance policies? Real estate ownership papers?

voices.cf.socialware.com If you got hit by a bus tomorrow, would your loved ones know how to access your important records? Would they know which accounts you hold and where your money is? What about insurance policies? Real estate ownership papers?

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Winning the middle class financial battle | Deseret News National

Here are tips and pointers that may help with the middle class financial battle. Do you agree?

voices.cf.socialware.com Here are tips and pointers that may help with the middle class financial battle. Do you agree?

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9 Building Blocks that Should Be Part of Everyone’s Retirement Plan

Take a look at the nine building blocks that should be a part of everyone's retirement plan. Are you preparing yourself for retirement?

voices.cf.socialware.com Take a look at the nine building blocks that should be a part of everyone's retirement plan. Are you preparing yourself for retirement?

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3 Ways to Raise Your Social Security Benefit

Wondering how to maximize your Social Security benefits? It's not as difficult as you may believe. Here are three options almost anyone can do.

voices.cf.socialware.com Wondering how to maximize your Social Security benefits? It's not as difficult as you may believe. Here are three options almost anyone can do.

March Newsletter: Is now the time to convert your IRA into a Roth?

There are many different ways you can shelter your savings from taxes. It is a powerful incentive for us to save for retirement.

voices.cf.socialware.com There are many different ways you can shelter your savings from taxes. It is a powerful incentive for us to save for retirement.

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Essential tax tips for IRAs

Woe to the taxpayer who runs afoul of the numerous and confusing IRA rules. There are forms to file, contributions to make, distributions to take, and penalties to avoid. While corrections are possible, it’s best to avoid mistakes in the first place.

voices.cf.socialware.com Woe to the taxpayer who runs afoul of the numerous and confusing IRA rules. There are forms to file, contributions to make, distributions to take, and penalties to avoid. While corrections are possible, it’s best to avoid mistakes in the first place.

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Life Happens in a Heartbeat Video

Life happens in a heartbeat. Make sure your loved ones are protected throughout the journey. #insureyourlove

voices.cf.socialware.com Life happens in a heartbeat. Make sure your loved ones are protected throughout the journey. #insureyourlove

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9 Questions to Ask Your CPA at Tax Time

Preparing tax returns is rarely fun, but it’s important. A good discussion with your tax preparer and financial advisor can help you manage your tax bill for both this year and next.

voices.cf.socialware.com Preparing tax returns is rarely fun, but it’s important. A good discussion with your tax preparer and financial advisor can help you manage your tax bill for both this year and next.

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Market Watch: Money lessons I learned in the military

Check out this Market Watch article and learn the money lessons this one air force veteran forged in the military.

voices.cf.socialware.com Check out this Market Watch article and learn the money lessons this one air force veteran forged in the military.

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February is "Insure Your Love" Month. We insure a lot of the things in our lives: our cars, our homes, our valuables. But what about something less tangible, such as your love for your family? Can you insure that?

voices.cf.socialware.com February is "Insure Your Love" Month. We insure a lot of the things in our lives: our cars, our homes, our valuables. But what about something less tangible, such as your love for your family? Can you insure that?

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The Perfect Retirement Strategy for 50-Somethings

Get the inside scoop from The Motley Fool on retirement saving strategies for 50-somethings.

voices.cf.socialware.com Get the inside scoop from The Motley Fool on retirement saving strategies for 50-somethings.

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Foresters Financial 2018 Outlook

While 2017 can be characterized as a return to more robust U.S. economic growth, what does next year look like? We share our thoughts here.

voices.cf.socialware.com While 2017 can be characterized as a return to more robust U.S. economic growth, what does next year look like? We share our thoughts here.

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140 Eastshore Dr, Ste 105
Glen Allen, VA
23059
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