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10 Year Financial Planning for HOAs

Proactive financial strategies to eliminate budget surprises, stabilize assessments, and preserve your community's property values.

Why a Proactive 10-Year Plan Matters

Strategic financial planning transforms how your HOA manages budgets, assessments, and capital projects.

Eliminate Budget Surprises

Anticipate upcoming expenses—roofs, paving, pool renovations—and build them into your long-term budget so you never scramble for special assessments or emergency funds.

Stabilize Assessments

By predicting when and how much fees must increase, you smooth out rate adjustments over time, protecting homeowners from sudden spikes and bolstering community satisfaction.

Maximize Reserve Fund Health

Ensure reserves grow appropriately to cover planned projects and unexpected repairs, minimizing reliance on high-cost short-term borrowing

Preserve Property Values

Well-maintained common areas and facilities translate directly into stronger home values and more marketable communities.

Our Comprehensive Process

Our Process

A Methodical approach to creating your customized financial roadmap.

1

Data Gathering & Analysis

We start by reviewing your current reserve studies, historical financials, insurance requirements, and vendor contracts to build a holistic picture

Reserve Studies

Financial Statements

Vendor Contracts

2

Stress-Testing Scenarios

Through multiple "what-if" simulations—ranging from accelerated deterioration to economic downturns—we validate that your plan holds up under real-world pressures.

Market Downturns

Cost Overruns

Emergency Repairs

3

Customized Funding Roadmap

We start by reviewing your current reserve studies, historical financials, insurance requirements, and vendor contracts to build a holistic picture

Reserve Contributions

Capital Projects

Fee Adjustments

4

Ongoing Monitoring & Adjustments

Annual and Semi Annual check-ins and quarterly performance reviews keep your plan on track.  We flag shifting market conditions or project delays early, so you can pivot with confidence.  

Annual Reviews

Quarterly Updates

Strategic Adjustments

What You'll Get

Comprehensive tools and resources to implement and communicate your financial plan.

10-Year Forecast Report

Visualize cash flow, reserve balances, and fee impacts at a glance with our easy-to-use digital dashboard.

Project Priority Matrix

Rank repairs and replacements by urgency, cost, and impact on property value for optimal decision-making.

Board-Ready Presentation

Professionally designed reports and slide decks to secure member buy-in and clearly communicate the financial strategy.

Dedicated Advisor Access

Direct access to your advisor for questions, updates, and strategic advice throughout your planning horizon.

Get Started Today

Let's safeguard your community's financial future with stress-tested, decade-long planning.

(801) 810-7225

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Specialized financial solutions for homeowners associations and community living.

Services

Contact Us

11650 S State St. Suite 200

Draper, UT

(801) 810 - 7225

Check the background of your financial professional on FINRA's BrokerCheck.

 

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Investment Advisory services offered through Lone Peak Advisers, LLC, an SEC Registered Investment Adviser. Securities offered through Transitional Broker, LLC an SEC registered Broker Dealer and Member FINRA/SIPC

 

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.  The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Investing involves risk which includes potential loss of principal. Guarantees are subject to the claims paying ability of the issuing insurance company.

Not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services, or any other governmental agency

© 2025 by HOA Wealth Advisors Inc. 

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