Principle Consultants

Heather McMills

HEATHER MCMILLS, born and raised in California, attended the University of California San Diego and subsequently led a career in banking with a focus on the technology, healthcare verticals from 1995 - 2023. She co-founded McMills Duffy Consulting Group with Jill Duffy to assist HOA Boards in reducing financial waste and increasing property values.

Heather lives with her family in Marin County, California, is a Roman/Greek antiquities nerd and loves standard poodles. Reach out to Heather here to schedule a no-cost 30 minute discovery call.

Relevant Experience

  • As trustee/fiduciary, and FINRA-licensed RIA, Heather managed USD$400M AUM in real estate and securities assets - 1995 - 2012.

  • As Managing Partner of a cross-border M & A advisory firm, Heather led the structuring of a USD$1B commercial real estate class A office portfolio (San Francisco) for Chinese VC and strategic investors - 2013-2015.

  • in 2020, Heather was one of 17 leaders globally to receive Capgemini’s global operational award of excellence - 2020.

  • HOA Board President - 2025, $2.5M operating budget

  • Advises HOA Boards on operational and financial hygiene; and utilization of technology to increase efficiencies and reserves.

Jill Duffy

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. Jill joined Heather McMills to form McMills Duffy Consulting Group in 2023. Jill now applies her 20+ 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

  • Jill structured global risk (insurance and reinsurance) programs for multi national companies for publicly traded global insurer (Travelers) 2003 - 2023.

  • Global Underwriter for publicly traded global insurer (AIG) 1998-2001.

  • HOA Board Director / Treasurer - 1998-2000, 2025

  • Jill advises HOA boards on property/casualty insurance program creation and strategy; and de-risking for board directors - focusing on litigation avoidance.