HOA Investment Advisors
Fiduciary-grade tools to maximize HOA reserve yield safely.
The Holdings module empowers fiduciary-licensed investment advisors and wealth managers to build compliant, high-yield investment strategies for HOA and community association reserves.
This path is built to simplify HOA investment management. It connects precise reserve expenditure forecasting with your investment policy, ensuring you can maximize yield, via FDIC-insured CDs or Treasuries, while maintaining the strict safety and liquidity required by state regulations like the Davis-Stirling Act.
Holdings and liquidity reports are available as an add-on module for the Enterprise software subscription.
Step 1 . Build the Laddered Portfolio
Capture every reserve asset in one ledger
Replicate your custodial holdings inside the platform. The example below shows a $2.45M reserve portfolio laddered across Money Market, T-Bills, FDIC-insured Brokered CDs, Treasury Notes, and Agency Bonds with maturities staggered through 2033.
Holdings ledger
All 8 positions with custodian, account number, maturity, current balance, liquidity %, and per-year interest rate.
Per-year rate entry
Capture variable yield-curves for multi-year instruments (shown: 7-year Agency Bond at 4.65% per year).
Step 2 . Govern Your Investment Policy
Lock in compliance with custom holding types
Centralize the asset classes your investment policy permits, set capitalization frequency, and define default rates so every advisor enters holdings consistently.
Investment policy controls
Approved asset classes, capitalization frequency (daily / monthly / annually), and default interest rates per type.
One-glance investment dashboard
Current holdings allocation alongside the 30-year liquidity curve, contributions, expenditures, and rolling two-year need.
Simulate Investment Adjustments in Real Time
Adjust any holding (maturity date, yield, allocation, or account type) and instantly see the projected impact on reserve liquidity, cash flow, and funding adequacy.
Model what-if scenarios: What if a CD matures early? What if a Treasury Note rolls over at a lower rate? What if a capital project is deferred by two years?
Step 3 . Slice the Portfolio Four Ways
Top Holdings analytics for boards and advisors
The Top Holdings panel re-groups instantly so you can answer any board question, by asset class, by individual instrument, by maturity bucket, or by expiration year, without leaving the dashboard.
By Type
Shows asset-class concentration: 40.8% CDs, 18.4% Treasury Bills, 16.3% Money Market, 12.2% Treasury Notes, 12.2% Agency Bonds.
By Name & Account
Drills down to each instrument with custodian, account number, and exact expiration date.
By Expiration Year
Visualizes the maturity ladder: $850K rolling in 2026, then $300K-$400K stepping through 2027-2033.
Step 4 . Deliver Board-Ready Reports
Export the full reserve study with Holdings + Liquidity sections
Every dashboard view rolls into a polished PDF deliverable. Boards see the Holdings inventory, the asset-class distribution chart, the maturity ladder, and a 7-year liquidity projection across all three funding plans.
PDF: Holdings inventory
Page 13 of the generated reserve study. Every position with start date, end date, balance, and liquidity %.
PDF: Holdings Distribution
Allocation pie chart and Top Active Holdings table grouped by name, exported into the board packet.
PDF: Maturity ladder
Top Active Holdings grouped by Expiration Year, ready for an investment committee discussion.
PDF: 7-year Liquidity Report
Reserve Contribution, Special Assessments, Total Expenditures, Interest Earned, Reserve Debt/Surplus, Rolling 2-Year Need, Cash Balance, and Liquidity for all three funding plans.
What the HOA investment package includes
Liquidity & Safety First
Track reserve contributions, total expenditures, and rolling two-year liquidity needs. Ensure funds are perfectly timed for emergencies without sacrificing capital preservation.
Eliminate Idle Cash
Monitor top holdings by type, custodian, and maturity. Get clear visibility into maturing assets so you can provide timely reinvestment recommendations to boards.
Maximize Yield Safely
Model custom investment ladders. Earn higher returns on long-term reserves by safely deploying funds into CDs or Treasury securities based on accurate 30-year cash-flow data.
Regulatory Confidence
Design investment policies that align with state mandates (e.g., Davis-Stirling transfer limits) and ensure board approvals are backed by rock-solid financial forecasting.
Allocation Detail
Category-level and component-level allocation to precisely understand which specific upcoming projects are driving the community’s liquidity needs.
Fiduciary Reporting
Generate transparent, professional tables and charts for board packets, ensuring informed decision-making and demonstrating your fiduciary value.
Platform features for HOA Investment Advisor
Maximize reserve yield while protecting liquidity.
Add the Holdings & Liquidity module to a Multi-Client subscription and turn the platform into a fiduciary-grade investment cockpit for every community you advise.
