How ReserveX Analytics Works With HOA Boards

Clear, Disciplined Support for Long‑Term Financial Decisions

ReserveX Analytics works with HOA boards and management companies to bring structure, clarity, and continuity to long‑term reserve planning and financial decision‑making. Our role is to help boards understand their financial position, future obligations, and available options so decisions can be made deliberately rather than reactively.

We focus on analysis, context, and planning — not selling products or replacing existing professionals.

What ReserveX Analytics Does

ReserveX provides ongoing reserve and financial analysis that helps boards:

  • Understand long‑term capital obligations and timing

  • Connect reserve studies, budgets, and cash flow into a single planning framework

  • Evaluate funding paths and trade‑offs over short‑, medium‑, and long‑term horizons

  • Model future reserve balances and potential funding gaps

  • Maintain continuity as board membership changes

Our work is designed to support informed discussion and better decisions, especially as communities grow, age, or face increasing capital complexity.

What ReserveX Analytics Does Not Do

ReserveX is intentionally narrow in scope. We do not:

  • Replace professional reserve studies

  • Act as the board’s fiduciary or decision‑maker

  • Promise or guarantee investment returns

  • Sell financial products to associations

  • Provide one‑time reports without ongoing context

All final decisions remain with the board of directors.

How ReserveX Works Alongside Reserve Studies

Reserve studies are a critical foundation for long‑term planning. ReserveX does not replace them — we help boards use them more effectively.

We work with existing reserve study data to:

  • Translate study assumptions into forward‑looking financial models

  • Stress‑test funding scenarios

  • Align reserve assumptions with annual budgets

  • Identify where assumptions may need future review

This allows boards to move from static reports to dynamic planning.

How Boards Typically Engage ReserveX

ReserveX engagements are structured as annual subscriptions, allowing for ongoing analysis and updates rather than one‑time snapshots.

A typical engagement includes:

  • Initial data review and normalization

  • Development of a clear reserve and funding baseline

  • Periodic updates as budgets, spending, or assumptions change

  • Board‑level review and discussion support

This approach supports continuity, especially during board transitions or periods of significant capital activity.

Governance, Fiduciary Context, and Planning

ReserveX’s role is analytical and advisory in nature. We help boards:

  • Identify liquidity needs across multiple time horizons

  • Understand constraints and trade‑offs

  • Frame risk considerations and return assumptions

  • Model potential outcomes under different planning scenarios

We do not replace the board’s fiduciary responsibility. Instead, we provide structure and context so fiduciary decisions are made with greater confidence and transparency.

About the Founder

ReserveX Analytics was founded by Thomas Muldoon, who brings a planning‑first approach to HOA financial analysis. His work focuses on helping boards move from reactive decision‑making toward disciplined, long‑term financial stewardship.

Next Step

If you are a board member or management company seeking greater clarity around reserves, budgeting, and long‑term financial planning, ReserveX offers a structured starting point.

Contact us to schedule an introductory conversation.