The investment platform built exclusively for Community Associations.
An SEC-registered1 investment adviser purpose built for managing reserve funds of Community Associations — we only serve Community Associations.
Built for Boards and Community Managers
Your reserves never leave your association’s accounts.
We’re an investment adviser, not a bank, and we never take custody of your money. Your funds stay in your association’s own accounts at federally regulated institutions. We can recommend and report; we can’t move, spend, or lose a dollar of it. The only things we ever recommend are U.S. Treasuries or FDIC-insured deposits.
We never touch your money
Funds stay in your association’s own accounts.
Government-backed or insured only
U.S. Treasuries and FDIC-insured deposits, nothing riskier.
Nothing moves without your board
Every recommendation waits for board approval.
Key Features
Reserve Study Integration
An automated sync with the reserve fund study every month, providing full visibility into the HOA’s cash flow for you and your board.
Portfolio Customization
No cookie-cutter portfolios. We customize portfolios to the HOA’s liquidity needs; allowing for the opportunity to optimize yields.
Smarter Governance
A monthly board-ready intelligence packet. The board sees a proactive, financially sophisticated management team.
Negotiated Rates
We work with financial institutions to source competitive rates on insured deposits, so your reserves aren’t stuck in low-yielding accounts.
Risk Mitigation
We invest only in FDIC insured products or US Treasuries (as per the Association’s preference).
Monthly Analysis and Tracking
Monthly data-driven reviews seek to maximize returns through monthly compounding, minimizing missed investment opportunities.
Analysis your Board can act on.
Share your reserve study
The association already commissioned it. Nothing new to produce.
Component20252026202720282029Roofing and EnvelopeMembrane Roof - Replace$0$0$0$0$0Roof Drains & Flashing - Replace$0$0$0$0$0Gutters & Downspouts - Replace$0$0$0$0$0Exterior Sealant - Replace$0$0$0$0$0Site and ParkingConcrete Walkways - Repair$0$0$0$0$0Parking Lot - Seal/Crack Fill$0$0$0$28,650$0Parking Lot - Overlay$0$0$0$0$0Site Lighting - Replace$0$0$0$0$0Retaining Walls - Repair$0$0$0$0$0Perimeter Fencing - Repair/Paint$0$22,150$0$0$0Trash Enclosure - Replace$0$0$0$0$0Landscape Irrigation - Repair/Replace$0$0$0$0$0Lobby and CorridorsCorridor Walls - Paint/Wallcovering$0$0$12,380$0$0Corridor Carpet - Replace$0$0$0$0$0Lobby Furnishings - Replace$0$0$0$0$0Access Control System - Replace$0$0$0$0$0Amenities and MechanicalFitness Equipment - Replace$0$0$0$17,620$0Pool - Resurface$0$0$0$0$0Pool Deck - Resurface$0$0$0$0$0Pool Heater - Replace$0$0$0$0$0Pool Filtration System - Replace$0$0$0$0$0Spa - Resurface$0$0$0$0$0Elevator - Modernize$0$0$0$0$0Boiler - Replace$0$0$0$0$0Domestic Water Pumps - Replace$0$0$0$0$0Fire Alarm Panel - Replace$0$0$0$0$0Illustrative example. Sample data shown for demonstration only. We build the obligation schedule
Every component, the year it comes due, its expected cost.
Obligation schedule
2026$22,150Perimeter fencing — repair/paint
2027$12,380Corridor walls — repaint
2028$28,650Parking lot — seal/crack fill
2028$17,620Fitness equipment — replace
$2.6MWe project cash flows
Year by year, so what's committed and what's available are never in doubt.
Where the balance is heading
We recommend. You decide.
We only recommend FDIC-insured deposits or U.S. Treasuries. The Association keeps full flexibility to change course.
Recommended allocation
On demand$45,000High-yield cash
2 years$15,000FDIC-insured CD
3 years$50,000U.S. Treasury
5 years$310,000FDIC-insured CD
Invest your money
The board approves; we execute. Your reserves move to insured banks or Treasuries per the Association's choice — nothing without sign-off.
Where your money is invested
FDIC-insured CDs
U.S. Treasuries
How We Are Different
Serving Community Associations isn’t part of our business. It’s the only thing we do.
Typical Advisor
Investment Portfolio
A standard template, often a 3-12 month ladder for each Community Association
Customized to your Association's cash flow needs, allowing for the opportunity to maximize investment returns
Review Cadence
Annual or quarterly reviews, with cash sitting idle in between reviews
A monthly review enabling the opportunity to maximize returns via monthly compounding
Who does the work
Boards and Community Managers are tasked with manual analysis and reconciliations
We do the analysis; Board members experience proactive, financially sophisticated Community Management
Keeping your funds safe
We’re an adviser, not a bank. We never take custody of your funds.
Where funds are held
In the association's own accounts, at federally regulated institutions (e.g. FDIC insured banks).
Risk Mitigation
We invest HOA funds only in FDIC insured banks or US Treasuries (if desired by an HOA).
Reporting
A customized report each month for the Board, highlighting financial opportunities and risks.
Decades of experience across Finance, Reserve Studies and Community Management.
Gautam Gauba
Founder
Treasurer of a Condominium Corporation. Prior experience: Lehman Brothers, Boston Consulting Group and Royal Bank of Canada.
Mark Hughes
Advisor · Risk
Board member & Risk Committee chair, UBS Group AG; former Group CRO, RBC.
Kara Foley
Advisor · Community Management
30 years in HOA property management; VP of Community Management, Seabreeze.
Scott Clements
Advisor · Reserve Studies
CEO of Reserve Studies Inc.; 25+ years in reserve planning.
David Rackus
Advisor · Technology
35+ years (Johnson & Johnson, Sun Life); former CIO, Sun Life Canada.
Request a no‑obligation review.
FAQs
Is Gallopify a bank?
No. Gallopify is not a bank and does not hold your money. We provide analysis, recommendations, and reporting; the funds stay in the association's own accounts at regulated financial institutions.
Are you a registered Investment Advisor?
Advisory services are provided by Community Capital Advisors LLC, an SEC-registered investment adviser dba as Gallopify. Our Form ADV is available here.
What will the reserve be invested in?
FDIC-insured deposit products, principally high-yield cash accounts and FDIC-insured CDs. U.S. Treasury securities are available if the association elects them.
What if our board doesn't want Treasuries?
That's a common request from Associations and totally acceptable. We can limit all your investments to FDIC-insured deposit products (e.g. CDs).
Who holds our reserve funds?
Funds are held at federally regulated institutions (banks, custodians) which are covered by the same regulatory protections and asset safeguards as institutions nationwide.
What does it cost?
There is no cost to Community Management companies. For Community Associations, the initial review is at no cost and has no tied obligation or commitment. Our goal is to optimize investment management for Community Associations such that after paying our fees, they have a net incremental benefit.
Are there minimum balances for Community Associations to become a Gallopify client?
No. We serve Community Associations of every size, and our offering is built to scale down as well as up. We’d welcome the chance to show you the value — feel free to book a review.
How do we start?
Click here to request a review.