Important Information About this Web site

Comments/Questions about this website: 
Comments or questions may be directed to:, or by contacting us in writing at:
The Nathan Agencies, attn: Webmaster, P.O. Box 48, Amherst, MA 01004-004

Your use of this website is subject to the conditions and qualifications described below.

By using this website, you agree to accept such conditions and qualifications:

No Warranties; Limitation of Liability: 
This website includes information, documents, and materials (collectively, the “contents”) that are subject to change without notice. The advisor expressly disclaims any obligation to keep contents up to date or free of errors or viruses, or to maintain uninterrupted access to this website. This website (including all contents) is provided “AS IS.” Users of this website should understand that all contents have been electronically converted from the media from which originals were produced. The advisor has not tested or verified the accuracy or completeness of the conversion process. The advisor assumes no responsibility for errors or omissions in any contents, including contents that are referenced by or linked (by hypertext links) to third party websites. The advisor makes no representations or warranties of any kind whatsoever for the contents or third party websites or for any products or services mentioned or offered in the Contents or in third party websites. The advisor disclaims any express or implied warranties related to the use of this website (including all contents and third party Websites), including, without limitation, merchantability, suitability, non-infringement, or fitness for any particular purpose. The advisor shall not be liable for any errors contained herein or for any damages whatsoever arising out of or related to the use of this website (including all contents), including, without limitation, direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if the advisor is aware of the possibility of such errors or damages.

Any information sent to this firm via e-mail or through the website is not secure and is done so on a non-confidential basis. Viewing or transmission of information from this website does not create an advisory relationship between you and this firm, nor is it intended to do so. The transmission of the website, in part or in whole, and/or any communication with us via Internet this site does not constitute or create an advisory relationship between us and any recipients.

At certain places on this website, live “links” to other internet addresses can be accessed. Such external internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of this organization. We do not endorse, approve, certify, or control these external internet addresses and do not guarantee the accuracy, completeness, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should be undertaken after an independent review of its accuracy, completeness, and timeliness. Reference therein to any specific commercial product, process or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement or recommendation by this organization

The only personal information we will obtain from you when you visit our site is the information you voluntarily provide. Example may include a request for a quote, or providing an e-mail address when contacting us. We do not sell or disclose any non-public information for marketing purposes outside our agency.

You can visit us on the World Wide Web without telling us who you are or revealing any information about yourself, including your e-mail address. In this case, our web servers collect the name of the domain you used to access the Internet, such as or, and the web site you came from. Should you search our site, we gather the responses to help us organize and provide you with access to requested information.

This information is used by us to measure how our web site is viewed (average number of visits, time of day site accessed, referring domain, how long an average visit is, and other statistics about visitors to our web site in general. We may use this data to monitor site performance and to make the site easier and more convenient to our users. We also may aggregate statistics that we gather about our customers regarding any online sales or activity related to affiliated third parties. Again, these statistics will not include any personal information that identifies individuals, unless you have agreed to receive personally tailored information. The Nathan Agencies reserves the right to change the internet privacy policy at any time by posting changes to this page.

Email Communications 
As is available, you may request that we send you periodic email communications with information that may be useful to you, including information about our products and services. You will be given the option of not receiving any such email messages if you choose.

IRS Circular 230:
The information contained herein does not constitute investment, financial, tax or legal advice. Further, this information is general in nature and is not intended to be reflective of any specific plan. Please contact your personal investment, financial, tax or legal advisor regarding your specific needs and situation. In compliance with IRS Circular 230, we inform you that any U.S. federal tax advice contained in this document is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing, or recommending to another party any transaction or matter that is contained in this document

This website is not a solicitation for services: 
The materials in this website should not be considered an offer or solicitation to buy or sell securities, nor shall any such security be offered or sold to any person in any jurisdiction in which such an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. Products and services mentioned on this site may not be available in all states and are subject to change without notice. This advisor will only conduct insurance, securities or financial advisory business where properly licensed and registered. Please understand that, for the most part, The Nathan Agencies provides services for Massachusetts residents. If you are viewing this site from a location outside Massachusetts, please be aware that products may include different language based on the state in which they are offered. Regulations in Massachusetts may differ from those in your state.

Amherst Insurance Agency, Inc. is currently licensed in the following states: MA, VT, CT, NJ.

The Nathan Agencies, i.e. Amherst Financial Services, is currently licensed and operate under the name of Ronald J. Nathan for insurance products in the following states: MA, VT, CT, RI, NH, NY, NJ, NC, VA, FL, OH, and MI.

Amherst Real Estate Agency, Inc. is currently licensed in the following states: MA. Properties are primarily located in the local Pioneer Valley (Hampshire/Franklin counties).

Copyright disclosure:
Copyright 2007(C), Reproduction, distribution, republication, and/or retransmission of material contained within (website, presentation, newsletter, etc) is prohibited unless the prior written permission of our firm and CAI has been obtained. You may contact our organization to get permission by calling the phone number provided on the page.

Important information about professional credentials: 
Because of systematic limitation of the internet, this website may communicate information about credentials that are not approved in all states or jurisdictions. Thus, we remind clients that although a credential may represent the evidence of an ethics certification and ongoing educational efforts by a representative, no credential can guarantee that a representative is the best advisor for you. Before doing business with any investment professional, all investors should check with their state securities and insurance regulators to determine whether the individual is properly licensed and if there have been any complaints or disciplinary problems involving them or their firm. All potential investors can check the status and disciplinary history of any registered representative with FINRA. Investors can also request a copy of an Investment Advisor’s Form ADV, contact the Better Business Bureau, and any other professional organizations associated with the credential that is displayed. Also, an investor can contact FINRA to access the qualifications for the credential and consider the applicability of the education to your personal issues. An investor is encouraged to request all applicable reports from an advisor, with the expectation of full disclosure, before services are engaged and any personal information is provided.

Important Information about insurance services:
Any information provided to our agency in the form of a request for information or a quote will be kept confidential and not shared with other sources. Bear in mind that a quote does not constitute a binding confirmation of new or altered insurance coverage. Verbal or written confirmation must be obtained from The Nathan Agencies to confirm binding or altering coverage.

Important Information about financial services:
Amherst Financial Services Agency is the arm of The Nathan Agencies that provides life, health, disability, travel insurance, long-term care and financial products. We represent several life and health insurance companies while also brokering with many of the leading companies in the industry. Under the guidance of Ronald J. Nathan, our agency provides staff specialists in many areas including health, dental, travel insurance and long-term care insurance, as well as financial, retirement and estate planning. Insurance, investment, and financial plans are tailored to meet the individual needs of our clients with our primary goal being to provide exceptional service.

Important reminder about investing in any security: 
The investor is advised to carefully read the prospectus and consider the investment objectives, risks, charges and expenses of the investment company before investing. The prospectus contains this and other important information about the investment company. An investor may obtain a prospectus by contacting their advisor or the specific investment company. For the fund’s most recent performance data, please contact the fund firm or your advisor. Information presented represents past performance. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS. Investment return and principal value of an investment will fluctuate; so that an investor’s shares, when redeemed, may be worth more or less than their original cost; current performance may be lower or higher that the performance data quoted. All funds are subject to market risk. No investment strategy or allocation can guarantee a profit or protect against a loss in a declining market.

If you have any question regarding these notices:
Please contact us at: The Nathan Agencies, P.O. Box 48, Amherst, MA 01004, 413-253-5555, 1-800-228-8351, 413-256-8354 (fax), (e-mail), or visit our Web site, for additional information.

This site has been prepared solely for information purposes is not intended to be a solicitation, offer or sale of securities products or investment advisory services to anyone who resides outside of the United States.

Lincoln Investment and Capital Analysts are registered as investment advisers with the U.S. Securities and Exchange Commission and Lincoln Investment is registered as a broker/dealer in all 50 states.

Lincoln Investment, Capital Analysts and its Financial Representatives may only transact business in a particular state if first registered and only after complying with registration requirements.

Advisory services offered through Lincoln Investment or Capital Analysts Registered Investment Advisers. Securities offered through Lincoln Investment Investment, Broker Dealer, Member FINRA/SIPC. Nathan Agencies, Amherst Insurance and Amherst Financial Services and the above companies are independent, and non-affiliated. When you link to any of these websites provided here, you are leaving this site. We make no representation as to the completeness or accuracy of information provided at these sites. Nor are we liable for any direct or indirect technical or system issues or consequences arising out of your access to or use of these third-party sites. When you access one of these sites, you are leaving and assume total responsibility for your use of the sites you are visiting.

Calculators are provided only as general self-help planning tools. Results depend on many factors, including the assumptions you provide and may vary with each use and over time. We do not guarantee their accuracy, or applicability to your circumstances. Insurance, tax, legal, or Social Security claiming advice is not offered through, nor supervised by Lincoln Investment or Capital Analysts.