I change my home page and set up my Tool Bar with only the buttons I need.
However, next time I start my MAC or start Safari, the settings revert back to before with Apple as home page.
I have McAfee AV installed, could this be the cause?
Im on Mac OS 10.8.3 and Safari 6.0.4
Yes it could be
I'd remove it completely, then test.
This is a known issue with McAfee and at least one other, equally worthless, commercial "anti-virus" product: they corrupt the permissions of files in the user's home folder, including the Safari preference file.
Retrieving data ...