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PATS Tools for Smarter Community Association Oversight

The PATS framework provides boards and owners with a transparent, data-driven approach to association oversight. By standardizing how financial and governance health is measured, these tools transform complex data into a clear roadmap for long-term stability.

PATS Reference

This guide defines your legal right to a clear and full financial picture of your community. It provides a working list of key documents—from Board Meeting Minutes to Related Party Transactions—designed to help owners challenge management control and protect shared assets.

Download PATS Reference

PATS Runbook

This playbook provides a systematic process for identifying fraud, poor spending, or illegal actions. By following these phases, you will learn how to verify your legal rights, audit monthly reports, check for insider self-dealing, and build the evidence needed to take formal action.

Download PATS Runbook

PATS in the News

PATS has been featured in Inside Publications, where financial forensics expert Michael J. Novak addresses the critical question: "What to do to find the facts?" His answer: Ask PATS. The article highlights how the PATS framework empowers homeowners and associations to uncover the truth about their finances, providing the tools needed to verify legal rights, audit monthly reports, detect mismanagement, and protect their investments through transparency and accountability.

Novak, Michael J. "What to do to find the facts?: Ask PATS" Inside Publications, 4-10 February 2026, Commentary section.

Download PATS
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🎓 New CAM Course — Spot These Red Flags Before They Explode

Everything above is a preview of what I teach in Beyond the Budget: Financial Clarity & Decision-Making for Community Associations — an 8-hour CE course delivered in four 2-hour sessions, classroom or webinar, offered monthly from May through November. Topics include:

  • âś… HOA financial statement analysis
  • âś… Detecting structural budget imbalance
  • âś… Reserve funding misconceptions
  • âś… Operating surplus erosion
  • âś… Vendor and management compensation analysis
  • âś… Internal control weaknesses
  • âś… Governance failures
  • âś… The financial red flags boards routinely miss
  • âś… How long-term financial instability develops slowly over time

📊 Every participant also receives my 5-Year Budget Stress Testing Model (Excel) and a complete course workbook.

📚 Built for CAMs, board members, accountants, HOA professionals, and concerned owners.

đź’µ $299 per person, or $995 for unlimited attendees from a single association.

đź“© To reserve a spot, email me at mnovak@cia.mba.


🏢 Prefer we prepare it for you?

CIA prepares your association’s annual budget. One-time fee: $30,000. Guarantee: we will identify at least $30,000 in operating savings every year for at least ten years, or we waive our fee.

To discuss, email mnovak@cia.mba.

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Clients Review

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In the under-regulated world of homeowner associations—where owners are too often left in the dark and vulnerable to exploitation—Common Interest Advisors, LLC stands out as an essential safeguard. Led by Michael J. Novak, CPA (Illinois), CMA, CFA, the firm brings unmatched independence and expertise to HOA accounting, governance, and reserve studies. Michael’s deep command of the arcane rules and accounting practices that govern HOAs equips him to uncover waste, fraud, and abuse that ordinary owners or even conventional auditors routinely miss.

What sets Common Interest Advisors apart is its commitment to empowering owners and boards with clarity and accountability. Michael’s record of expert testimony in high-stakes legal disputes and his relentless forensic analysis have delivered real-world impact—strengthening communities, holding management companies to account, and ensuring transparency where it is often absent. By choosing Common Interest Advisors, communities gain not only an expert in the complexities of HOA finance and regulation but also a trusted ally who transforms obscure rules and opaque practices into protection and empowerment for homeowners.

Norman Kabir, owner @ 175 East Delaware Place HOA
Chicago,Illinois
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