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Update without Site Visit

Update with Site Visit

Step 1 of 2


Wind Mitigation

Step 1 of 3


Full Reserve Study

Step 1 of 3


Full Reserve Study

Step 1 of 3


Full Reserve Study

Step 1 of 3


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  1. Step 1 – On-site meeting where your Reserve Study provider collaborates with Management and/or the Board of Directors to review the financials, identify community responsibility and document historical information.
  2. Step 2 – Site inspection that includes a component inventory and a condition assessment of the common components with photography evidence.
  3. Step 3 – Creating the Report A detailed explanation of the component inventory with the rationale behind the recommendations is included for categories such as Exterior Building, Clubhouse, Pool and Property Site.

Finally, client support continues after delivery of the report in the form of requested report changes.  A Long term relationship is the Goal of Custom Reserves with periodic Updates to the Reserve Study.

What Customers & Professionals Are Saying About Us


Bernie Mapili Jr.

Certified Public Accountant (CPA)

As a CPA, I suggest having a professional reserve study to all my Association clients. Custom Reserves offers funding plans tailored to any community. Working with Paul in Brevard county has been a pleasure and I am sure he can meet your reserve study needs.


Louis Biron

Insurance Advisor at Sihle Insurance Group

Custom Reserves offers knowledgeable and responsive services to its clientele and its staff has a clear understanding of Community Association needs for reserve studies and insurance replacement cost valuations. I highly recommend Custom Reserves for their expertise and sound counsel.


Cherlene Adewunmi CMCA, AMS

CEO at Premium Solutions Group, LLC

When it comes to the detail and knowledge of Reserve Studies, I highly recommend Mr. Paul Grifoni. Community Leaders rely on many different professionals in the industry and Mr. Grifoni is the professional I go to on any matters concerning the complexity of Reserve Studies.


Cynthia Paul (Montsinger) Morales, LCAM, CMCA, AMS

Orlando Community Association Management Specialist

I have worked with Paul many times in my field of community association management. Specifically, I have called upon him for preparation of reserve studies to help me to determine the value of the assets for each of my communities. Also included in the reserve study is the estimated useful life, estimated replacement cost and current condition of these assets. With this information I am able to determine what to budget for future capital improvments for my customers. Paul’s expertise can’t be beat!


Rebecca Macone

Sales Associate at Homeward Real Estate

I have worked with Paul to provide Reserve studies to multiple Associations. His product is excellent, including easy to understand spreadsheets for the Board. Paul’s willingness to attend multiple Board meetings and his ability to expertly answer questions make him stand out in the industry. I highly recommend Custom Reserves and Paul Grifoni.

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Common Mistake in Reserve Plans

A common mistake in Reserve Plans are leaving out long lived components and not accounting for them in newer communities such as subsurface utilities or windows. Technically everything should be considered in a Reserve Plan to be fair to current and future owners.

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Transfer Fees

Using transfer fees for reserve funding can be a risky method of reserving. You can not bank on the actual amounts collected and are dependent on the housing market.

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FHA Reserve Study Requirements

A Condominium association needs to be on an approved list for an individual to obtain a Federal Housing Administration FHA-insured loan. A requirement that Reserve contributions represent at least 10% of the total budget. Associations claiming an exception will need to show lower recommended contributions with a professional Reserve Study less than a year old. […]

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