About Us

Serving on the board of a community association is often uncompensated, high-pressure, and thankless. Even the most experienced and accomplished professionals — former CEOs, CFOs, CPAs, engineers, attorneys, and operations managers — quickly discover that association governance is uniquely complex and challenging.

Before mandatory board education requirements existed, most board members learned through trial by fire. With the best intentions, they volunteered to support their communities, only to find themselves managing multi-million dollar properties with little or no background in property management. In many cases, one or two board members end up carrying the bulk of the workload — turning what was meant to be a community service role into an unpaid, high-stakes second job.

Compounding the challenge, Florida’s regulatory environment changes every year, adding new responsibilities, deadlines, and compliance requirements. Keeping up isn’t optional — it’s essential for your association’s survival.

Associations Are Businesses — Whether You Think of Them That Way or Not

Many residents and even board members still view community associations as simply neighborhoods or residential communities. But in the eyes of city, county, state, and federal regulators, associations are legal business entities — most often organized as not-for-profit corporations. That designation may mean they’re mission-driven rather than profit-seeking, but it doesn’t excuse poor financial management.

Just like any business, associations must be strategically managed, properly funded, and operationally sound to remain viable.

A financially healthy association is one that operates with foresight, discipline, and compliance. Specifically, it is an association that:

✅  Avoids reliance on special assessments by funding capital projects through well-maintained reserves. Special assessments are not a strategy — they are often a red flag of poor financial planning.

✅  Maintains a balanced operating budget with minimal surplus or deficit at year-end

A healthy association budgets realistically and spends responsibly.

✅  Manages assessments and collections effectively, keeping delinquencies and foreclosures low. High delinquency rates threaten financial stability and insurance eligibility.

✅  Holds proper and full insurance coverage to mitigate risk and avoid catastrophic financial exposure. Inadequate coverage — or overlooked policy gaps — can devastate associations during a crisis.

✅  Implements operational systems and procedures that promote consistency, accountability, and efficiency. Organized operations save time, reduce errors, and strengthen performance.

✅  Maintains clean, transparent, and accessible financial records. Associations should be audit-ready at all times — and always prepared for a resident records request.

✅  Proactively stays in compliance with all applicable Florida statutes and corporate governance rules. Healthy associations don't react — they plan ahead.

✅  Sustains property and financial practices that are lender-friendly

Florida community associations are now operating in a fragile, high-stakes regulatory environment. The post-Surfside legislative reforms have ushered in an era of increased scrutiny, mandatory reserves, and stricter reporting requirements. Associations that ignore financial health or operational compliance risk failure — legally, financially, or structurally.

Board members deserve better tools, better training, and better support. And associations need long-range financial planning to survive — and thrive — in this new landscape.

At AAG, we believe that long-term financial planning isn't just a best practice — it's the foundation of a successful, sustainable community association. While many firms focus solely on the day-to-day financial transactions, we take a strategic, forward-looking approach that ensures your association’s financial health not only today, but for years to come.

We understand that your association is more than a collection of properties — it’s a complex, living organization with responsibilities that mirror those of a business. That’s why we align our services with comprehensive financial planning principles that prioritize:

✅  Stability

We help you forecast and prepare for large capital expenses, reserve obligations, and market shifts. This avoids last-minute special assessments or financial strain.

✅  Compliance

Our team ensures your association adheres to all applicable Florida statutes (Chapters 718/720), reserve funding requirements, financial disclosures, and audit thresholds. We stay ahead of evolving legislation so you stay protected.

✅  Transparency

We promote clear and consistent financial reporting. Your board and residents will always have access to understandable, timely financial data and strategic insight — not just numbers.

✅  Efficiency

We evaluate and improve the financial and operational processes of your association. From assessment collection and budgeting to vendor management and insurance procurement, we implement systems that streamline workflows and reduce administrative burden.

✅  Resilience

Through proactive risk management and scenario planning, we help your community weather economic uncertainty, rising costs, and unforeseen challenges like insurance crises or infrastructure repairs.