The Reserve Study

Has Changed.

Today’s board needs more than budgeting tools...
SMA Reserves helps communities understand funding strength, risk exposure, and long-term preparedness.

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Explore the ReserveScore™
Explore the ReserveScore™

THE LANDSCAPE HAS SHIFTED

Reserve studies are no longer just budgeting tools.

Boards, lenders, insurers, homeowners, and real estate professionals are paying closer attention to long-term funding strength, deferred maintenance risk, and financial preparedness. SMA Reserves helps communities navigate this new reality with clear reporting, strategic insight, and the SMA ReserveScore™.

ARE YOU PREPARED?

73%

Of HOAs carry underfunded reserves heading into major repair cycles

3x

Greater resale friction in communities with weak reserve documentation

3 in 4

HOA boards are sitting on a funding gap. When a major repair arrives and reserves aren't there, every option on the table is painful.

CA+

Post-Surfside, regulators and lenders are raising the bar nationally

‍Why Communities Choose SMA

Trusted strategic interpreters.

A gold checkmark inside a gold circle on a white background.
A gold checkmark inside a gold circle on a white background.

Clear Reporting

Reserve studies designed to be understood — not decoded. Every deliverable is structured for board-level communication, not technical filing.

Strategic Perspective

Funding insight built around
real world board decisions — balancing financial realities, homeowner expectations, and long term community health.

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Modern Tools

Technology and ReserveScore™ analysis designed to support clarity, planning, and long term stability with dashboards your board can actually use.

Icon of two stylized human figures, one larger and one smaller, representing a parent and child, with a simple, minimalist design in beige on a white background.
Icon of two stylized human figures, one larger and one smaller, representing a parent and child, with a simple, minimalist design in beige on a white background.

Human Expertise

Experienced professionals who understand buildings, funding realities, and the pressures boards face — bringing judgment, not just data.

A gauge showing a reserve score of 74, categorized as strong, with a color gradient from red to green. Below, a description explains it reads reserve strength, funding readiness, and long-term position, helping a board understand community standing.

KNOW WHAT’S COMING…

The SMA ReserveScore™ is a modern framework designed to help boards better understand reserve strength, funding preparedness, and long-term financial positioning - clearly and immediately.

  • Simple to understand: designed for board members, not accountants.

  • Built for decision-making: translates data into actionable insight.

  • Risk visibility: surfaces deferred maintenance exposure before it becomes a crisis.

  • Modern HOA realities: structured around lender, insurer and buyer scrutiny.

Act while you still have choices.

  • “I just wanted to say that I’ve been impressed by your company and well definitely be requesting bids from you for other associations starting next year. Thanks.”

    Michael Lee
    CCAM

  • “Thank you for all your hard work. You guys come through time and time again.”

    Jason R. Smith
    CMCA, AMS Community Association Manager

  • "SMA is fast, efficient, and their product is very nice (clean, easy to understand, not overly complicated). I have been using them for about ten years and I can recommend them without hesitation"

    Blake Freeman
    Affirmative Management Services, Property Manager

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