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 private trustee and fiduciary, managed family office assets of USD$150M in real estate, securities, collectibles, and closely held businesses. Managed litigation, vetting and retaining of service providers such as CPAs, attorneys, fund managers, Registered Investment Advisors. Heather was a FINRA-licensed RIA (Registered Investment Advisor) from 1995 - 2012.

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

  • One of 17 leaders to receive Capgemini’s global operational excellence award - 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

  • 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

  • Advises HOA boards on de-risking with a focus on director, property/casualty, project, litigation.