Ever wonder where your monthly HOA dues actually go? If it seems like nothing major has changed, why do assessments sometimes increase? Join us for an informative webinar featuring an HOA attorney, a community management executive, and a reserve study analyst as they break down the often-overlooked costs of operating a homeowners association. We'll discuss: -Where every assessment dollar goes -Hidden expenses many homeowners never see -Why reserve funding matters -How California and Washington laws influence HOA budgets -What drives assessment increases—even when there isn't a major project underway Whether you're a homeowner, board member, or simply curious about how your community operates, this session will provide practical insight into one of the most common questions in HOA living. Knowledge leads to understanding. Join us and discover where your dues really go. MEET YOUR PRESENTERS California Webinar Timothy Mahar Jr., Esq. Senior Attorney | Tinnelly Law Group Timothy Mahar Jr., Esq. is a Senior Attorney with Tinnelly Law Group whose practice focuses on representing community associations in a wide range of legal matters. With extensive litigation experience spanning HOA law, real estate, contract disputes, and business litigation, Tim brings a practical legal perspective to the challenges associations face and the laws that shape HOA finances and operations. Sean Kargari, RS President – Los Angeles County, Hawaii, Nevada & National | Association Reserves Sean Kargari has been preparing Reserve Studies since 2003 and has completed more than 4,000 Reserve Studies for community associations and other properties throughout the United States and internationally. As President of Association Reserves' Los Angeles office, Sean oversees operations across Los Angeles County, Hawaii, and Nevada, bringing decades of reserve planning expertise to help communities understand the importance of long-term financial planning. Shauna Gatlin, CMCA Vice President of Organizational Advancement | HOA Organizers With more than 15 years of community association management experience, Shauna Gatlin serves as Vice President of Organizational Advancement at HOA Organizers, where she leads innovation, operational improvements, and professional development for the management team. An active leader within Community Associations Institute (CAI), Shauna is passionate about educating homeowners and boards on the financial and operational realities of successful community associations. Washington Webinar Alexis Ducich, Esq. HOA Attorney | VF Law Alexis Ducich has represented condominium and homeowners associations since 2008, focusing her practice on community association law and creditors' rights. In addition to assisting associations with collections, Alexis has extensive experience advising boards on governing documents, covenant enforcement, and legal issues affecting community associations throughout Washington. Jim Talaga, RS President – Washington & Pacific Northwest | Association Reserves Jim Talaga has more than 30 years of Reserve Study experience and has helped lead Association Reserves' Washington office to over 10,000 completed Reserve Studies throughout the Pacific Northwest. A nationally recognized Reserve Specialist, educator, and former CAI Legislative Action Committee leader, Jim has played a significant role in shaping legislation that impacts community associations in Washington. Coralyn Pelley, CMCA, AMS Vice President | HOA Organizers With over a decade of experience in community association management, Coralyn Pelley specializes in leadership development, operational excellence, and supporting management teams across a diverse portfolio of communities. As Vice President of HOA Organizers and an active CAI California North Chapter Board Member, Coralyn is passionate about helping communities thrive through education, continuous improvement, and exceptional service.