“McMills Duffy Consulting Group sees its mission as building trust among Boards, and solving important problems.
Our Consultants, whom possess deep industry expertise - contribute to this goal - with high-quality, industry-specific services in the areas of board effectiveness, fiscal & Operational hygiene, and Risk & mediation services.”
Meet The Founders
Heather M. McMills, Founder & Principal Consultant
HEATHER MCMILLS, born and raised in California, attended the University of San Diego and UC Berkeley - focusing her 25+ year career on wealth management, investment banking, and banking technology, as a subject matter expert. Heather advises boards and HOAs on fiscal and operational hygiene to increase reserves and property values. Heather lives with her family in Marin County, California - is a Bronze Age History buff, loves numbers, and interior design.
Relevant Experience:
Former FINRA-licensed Trustee and Portfolio Manager for $400M equities, fixed income, and real estate assets
Structured USD$1B San Francisco commercial class A real estate portfolio for Asian investors
Forensic Auditing & Due Diligence Led to Largest Private Estate Tax Settlement in California, 2010
Leadership Award for Financial Services Operational Excellence - Capgemini Global Financial Services Consulting, 2020
Capital Markets SME (subject matter expert)
Led Alternative Dispute Resolution for HOA, Resulting In $500k Cost Avoidance for HOA
Current President of HOA Board, Sausalito CA, 2025-
Jill M. Duffy, Founder & Principal Consultant
JILL DUFFY, born and raised in Washington, attended Gonzaga University and subsequently led a career structuring global property and casualty programs for global insurers, Travelers and AIG, as a global underwriting subject matter expert. Jill joined Heather McMills to form McMills Duffy Consulting Group in 2025. Jill now applies her 25+ years experience in corporate risk and liability mitigation to helping HOA Boards assess and reduce all types of risk and liabilities (legal, financial, property, director, homeowner). Jill lives with her family in Marin County, California, is an avid bocce player, and loves acquiring collectibles from East Asia.
Relevant Experience:
As Lead Global Underwriter - led and structured global risk (insurance and reinsurance) programs for multinational technology and life sciences companies at $48B publicly traded global insurer (Travelers) for 20 years (2003 - 2023)
Led and structured $5M+ global insurance program for Google (GOOG)
Global Underwriter for publicly traded global insurer (AIG) - focusing on Captives
Insurance SME (subject matter expert)- Errors & Omissions, Property & Casualty, Cyber
Led Insurance Strategy Resulting In Litigation Cost Avoidance of $900k for HOA
Forensic Auditing & Due Diligence Led To Cost Savings of $400k and 40% reduction in opex for HOA
Current HOA Board Treasurer - 1998-2000; 2025-