Serving the Bay Area, Northern California, Central Valley, and Sacramento

Association Reserves is committed to preparing high-quality, accurate, and understandable Reserve Studies in Northern California and Central California (CA). We have been serving the San Francisco Bay Area for over twenty years and our dedication to customer service and specialist training has established us as leaders in the Community Association industry. We pride ourselves in making sure our reports meet or exceed National Reserve Study Standards (NRSS).

To help Managers, Board Members, and Homeowners get a greater grasp on reserve funding, each study comes with a workable Excel file, a great tool for plugging in “what-if” scenarios, as well as a personalized web video outlining each report’s key factors.

Association Reserves serves the Bay Area, Northern California, Central Valley, and Sacramento from regional locations in San Francisco, Fresno, Lake Tahoe, Monterey, Sacramento, San Jose, and Walnut Creek. We look forward to client interaction and ensuring that each association has the proper funds necessary to maintain their community for today and for the future!

Association Reserves Northern California and Central California Reserve Study team office location serving HOAs, condos, managers, and board members
San Francisco (Primary Mailing Address)
Fresno
Lake Tahoe
Monterey
Sacramento
San Jose
Walnut Creek

Our Team

Derek Eckert, RS, PRA, President of Association Reserves Bay Area, Northern California, Central Valley, and Sacramento

Derek Eckert, RS, PRA

President
Charles Martin, RS, Territory Manager for East Bay and San Francisco at Association Reserves Northern California

Charles Martin, RS

Territory Manager - East Bay/San Francisco
Jackie McGarry, RS, Territory Manager for Silicon Valley and Monterey Bay at Association Reserves Northern California

Jackie McGarry, RS

Territory Manager - Silicon Valley/Monterey Bay
Kevin Fink, RS, Territory Manager for San Francisco at Association Reserves Northern California

Kevin Fink, RS

Territory Manager - San Francisco
Lorena Valladares, Client Relations Manager for Association Reserves Bay Area and Northern California

Lorena Valladares

Client Relations Manager
Carlos Flores, RS, Project Manager for Association Reserves Bay Area and Northern California

Carlos Flores, RS

Project Manager

"Having worked with Association Reserves for more than 10 years, I can confidently recommend the entire team as professional, knowledgeable, and a pleasure to work with. The concise and understandable studies Association Reserves provides gives HOA boards and managers the information they need to build budgets for the long term health of their property. The U-Plan-It software is a great tool for scenario planning!"

HOA Manager

"Working with Association Reserves was great. They had a quick turnaround time and made all modifications needed in a timely manner. Will definitely use AR for all future reserve studies."

Sonia Garcia

"We have used Association Reserves for a number of years for our HOA Reserve Study and they have been easy to work with and good communicators. They have consistently delivered the report in a timely manner."

Dan Dodd

"The team was very responsive and thorough. Kevin was wonderful to work with and explained the assessment very clearly. Definitely recommend this team!"

Tiffany Myers

"They were quick and great communicators."

Kasia Hayes

Need a Reserve Study Proposal?

Our Services

We offer a wide range of high-quality reserve study services tailored to fit every budget and need. Everyone at Association Reserves aims to exceed expectations by delivering reliable Full Reserve Studies, With-Site-Visit Updates, No-Site-Visit Updates, and more.

Association Reserves service level comparison for Full Reserve Study, With-Site-Visit Update, No-Site-Visit Update, and DIY Reserve Study options
Which Level of Service is Right for My Property?
Association Reserves Reserve Study process showing what happens after requesting a Reserve Study proposal
What Happens Next?
Level of Service Site Visit Measurements Component List Condition Assessment Photographs Price
Reserve Study- Full
Yes
Yes
Created from Scratch
Yes
Yes
$$$
Reserve Study Update- With Site Visit
Yes
No
Updated from Prior Report
Yes
Yes
$$
Reserve Study Update- No Site Visit
No
No
Updated from Prior Report
Yes
No
$
Do-it-Yourself Reserve Study Kit
No
No
Provided by Client
No
No
$499

We work with all types of properties

Image icon supporting Reserve Studies for association-governed communities including condos, co-ops, HOAs, POAs, PUDs, and townhomes
Association Governed Communities

Association Governed Communities

Condos, Co-ops, HOAs, POAs, PUDs, Townhomes, etal.

Image icon supporting Reserve Studies for vacation ownership resorts, timeshares, fractionals, travel clubs, and vacation clubs
Vacation Ownership Resorts

Vacation Ownership Resorts

Timeshares, Fractionals, Travel Clubs, & Vacation Clubs

Image icon Reserve Studies for municipalities, government facilities, commercial properties, and mixed-use developments
Municipalities & Commercial Properties

Municipalities & Commercial Properties

Governments buildings & facilities at the federal, state, county and city levels as well as commercial or mixed use developments

Image icon supporting Reserve Studies for worship facilities and properties owned by faith communities
Worship Facilities

Worship Facilities

Properties owned by any faith community

Image icon representing Reserve Studies for private schools, public schools, school districts, colleges, and universities
Schools, Colleges, & Univesities

Schools

Private and public schools, school districts, colleges and universities

Image icon representing Reserve Studies for camps, retreat centers, and charitable organization properties
Camps, Retreats & Charitable Organizations

Camps, Retreats & Charitable Organizations

Day camps, overnight camps, retreat centers, and properties owned and maintained by any charitable organization

Image icon representing Reserve Studies for private clubs, recreation centers, and organizations that own and maintain property
Private Clubs & Recreation Centers

Private Clubs & Recreation Centers

Club or organization that owns and maintains property as well as private or public recreation centers

Image icon representing Reserve Studies for other property types with long-term repair and replacement planning needs
Other Types of Properties

Other Types of Properties

Our Reserve Studies Clearly Spell Out What Needs to be Reserved for, Evaluate the Strength of the Current Reserve Fund, and Recommend a Funding Plan

Every Reserve Study includes Three Key Results

COMPONENT LIST detailing the scope and schedule of all Reserve Projects

CALCULATION OF RESERVE FUND STRENGTH (%-Funded)

CUSTOM FUNDING PLAN going forward that allows for timely repairs & replacements with an emphasis on avoiding supplemental funding sources

Landscape image showing properties needing three key Reserve Study results: component list, Percent Funded reserve fund strength, and custom funding plan

Derek Eckert, RS, PRA

President

Derek joined Association Reserves in 2004 with a degree in Business Management from California State University, Northridge. During his tenure with our firm, Derek has traveled extensively to serve residential, resort, and business clients throughout the United States. For his expertise, Derek earned the Community Association Institute’s (CAI) Reserve Specialist (RS) designation and has the distinction of being RS #114. Derek is also a certified Professional Reserve Analyst (PRA). In 2007, Derek took on full responsibility for overseeing our San Francisco regional office, which has quickly expanded to meet the needs of all Bay Area clients. A combination of physical, financial, and staffing expertise has honed Derek’s ability to work with teams of decision-makers, within budget limitations, to accomplish significant repair & replacement projects.


deckert@reservestudy.com | (415) 694-8931

Charles Martin, RS

Territory Manager - East Bay/San Francisco

Charles joined the Association Reserves – San Francisco team in 2015 as an intern in his last semester before graduating from San Francisco State University with a bachelor’s degree in Economics. While in school, his primary academic focus was on econometric modeling and thus developed a predilection for extracting meaningful and practical information from large data sets. As a Project Manager for Association Reserves, he brings his strengths of data evaluation and financial analysis to the team. In his free time, Charles enjoys reading, playing music, and hiking.


cmartin@reservestudy.com | (925) 437-1177

Jackie McGarry, RS

Territory Manager - Silicon Valley/Monterey Bay

Jackie joined Association Reserves in 2019 after 9 years in Homeowner Association management. She is a California Certified Community Association Manager (CCAM) and brings a community minded approach to create relatable and prudent Reserve Studies. Her extensive customer service background makes her approachable to our clients and effective in providing reports that serve the Association well. A graduate of San Jose State University, she enjoys playing and watching sports, movies and spending time with family and friends in her free time.


JMcGarry@ReserveStudy.com | (408) 893-9939

Kevin Fink, RS

Territory Manager - San Francisco

Kevin Fink first joined Association Reserves in 2008 and has completed thousands of Reserve Studies. Kevin is a San Francisco State University graduate, Kevin holds a degree in Business Administration with a concentration in Accounting. His budgeting, customer service, and business administration experience are instrumental in creating comprehensive and accessible Reserve Studies. He strives to translate complex financial data into understandable insights and actionable plans. Outside of the office, Kevin enjoys exploring the arts and culture of San Francisco, especially live music and comedy.

KFink@ReserveStudy.com | (510) 361-1444

Lorena Valladares

Client Relations Manager
Lorena joined the San Francisco team in 2017, but she is no stranger to Reserve Studies. She worked at our corporate office in Los Angeles for 7 years before transitioning into Community Association Management. Her prior work experience in Property Management further developed her customer service skill set and is essential in developing strategic recommendations while keeping the clients’ needs a number one priority. Lorena is able to assist current and prospective clients in making well-informed decisions. She serves as the initial contact for our office and focuses on creating ongoing relationships with our clientele to ensure a successful experience throughout the Reserve Study/Capital Planning process.

LValladares@reservestudy.com | (415) 694-8931

Carlos Flores, RS

Project Manager

Carlos graduated with an Economics degree from De La Salle University and is currently pursuing a Master’s in Business Administration. He has work experience in banking, accounting, data diagnostics, financial analytics and project management. His academic involvement, together with employment experience, has allowed him to gain skills needed to proficiently complete Reserve Studies and support any client requirements. During his free time, Carlos enjoys watching NBA, collecting action figures and traveling.


cflores@reservestudy.com | (415) 694-8931