HOA Budget & Reserve Fund Management for Long-Term Financial Health

At Clear View HOA Financial, we understand that a successful community starts with a strong financial foundation. Our approach goes beyond basic budgeting to offer full-spectrum HOA budget and reserve fund management services. Each year, we begin with a detailed analysis of the prior year’s actuals and incorporate known changes—such as insurance increases, contract updates, and inflation adjustments.

We create a draft budget tailored to your community’s needs, refine it with board input, and finalize it in time for presentation and approval at your annual meeting. Throughout the year, we track performance, monitor expenses, and provide alerts to help your HOA stay aligned with its financial goals.

In tandem with operating budgets, we develop custom tools to track reserve and special assessment funds, ensuring that your community stays compliant and prepared for long-term repairs or replacements.

Reserve Fund Accounting & Cash Flow Optimization

Clear View partners with trusted reserve study providers to assess your community’s future needs. Once the reserve study is complete, we’ll integrate its findings into your ongoing financial management—aligning budgets with projections and providing ongoing tracking and reporting.

To support long-term planning, we can help identify opportunities where short- and long-term investment strategies may benefit your HOA. While we don’t act as investment advisors, we understand the tools available and will connect your board with trusted partners in the wealth management industry who specialize in HOA reserve fund solutions. Our role is to facilitate smart decision-making by ensuring that your community has access to secure, compliant options for protecting and growing its reserves.

Secure Banking Solutions for HOAs

Clear View sets up and manages HOA banking solutions that are secure, compliant, and tailored to your association. These include:

  • Operating Accounts. Associations are free to bank with any institution of their choosing. For clients who prefer local banking, we support account setup and integration for day-to-day financial needs.
  • Reserve Accounts. For HOAs seeking specialized reserve fund solutions, we offer access to First Citizens Bank—the largest HOA-focused bank in the U.S. These accounts provide exclusive, HOA-compliant banking and investment options not available to the general public.
  • Financial Safeguards. We help establish and maintain proper account separation, provide guidance on FDIC coverage, and ensure transparent, compliant reporting across all financial activity.

Our team helps prevent fund commingling and supports your board with monthly financial meetings to review reports and answer questions, ongoing board education (including access to informative articles and webinars), and a clear financial roadmap—so you always know where your funds stand and how to use them wisely.