Plumb
Plumb is a privately held firm that provides outsourced bill pay and family office accounting services to high-net-worth individuals and families, using a proprietary mobile app, Sage Intacct ERP integration, and SOC 2-certified cloud infrastructure to serve most clients with $50MM+ in assets.
- Company typePrivate
- Founded1996
- HeadquartersLa Jolla, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Plumb does
Plumb (legally Think Plumb LLC, DBA Plumb Bill Pay) is a privately held financial services firm headquartered in La Jolla, California with a second office in New York City. Founded in 1996 as an outsourced accounting firm providing fractional Controller-level services to small and medium-sized companies, Plumb established a dedicated bill pay and family office division in 2008 after observing that CEOs who sold or retired their businesses lost access to corporate accounting support for personal financial management. The company rebranded to Plumb Bill Pay in 2021 to sharpen its focus on serving high-net-worth individuals and families, with most clients holding $50MM or more in assets. The firm is founder/owner-operated, has between 51 and 100 employees, and reports no external funding or parent ownership.
Plumb's core products consist of Outsourced Bill Pay Services and Family Office Accounting Services, supported by a proprietary Plumb Bill Pay mobile and web application. The platform provides real-time bill approval, expense tracking, cash flow forecasting (including a 6-month projection), vendor management, and secure communication with the Plumb team. The application is built on customized cloud infrastructure with SOC 2 Type II, PCI 3.0, HIPAA, and SSAE-16 Type II compliance, and integrates with Sage Intacct (as an official partner for Family Offices) and QuickBooks Online. A documented 7-step process workflow enforces segregation of duties and multiple review levels. The 2026 leadership appointment of a CTO and the existing Engineering Manager's mandate over applied AI initiatives indicate ongoing platform investment.
Plumb generates revenue through two primary streams: transaction-based fees for bill pay services and entity-based subscription fees for family office accounting, both billed annually over 12-month periods with one-time setup fees. The go-to-market is enterprise-focused B2B field sales targeting HNWI/UHNWI individuals, family offices, and their trusted advisors including RIAs, wealth managers, CPAs, and trust companies. Distribution relies on white-glove consultation requests, direct sales, and an RIA/advisor referral channel. Pricing is not publicly disclosed and varies by transaction volume and entity/account complexity.
Plumb firmographics
Firmographics- Name
- Plumb
- Legal name
- Think Plumb LLC
- Website
- https://plumbbillpay.com
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Plumb is a privately held firm that provides outsourced bill pay and family office accounting services to high-net-worth individuals and families, using a proprietary mobile app, Sage Intacct ERP integration, and SOC 2-certified cloud infrastructure to serve most clients with $50MM+ in assets.
- Ownership category
- akta.pro rank
Plumb industry classification
Industry- Product category
- Family Office Accounting Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Bill Aggregators & Consolidators (FSAMAJAB)
- akta.pro secondary industries
- Corporate Treasury & Supplier Payments (AP, Mass Payments) (FSAMAKAL), Intercompany & Consolidation Support (Eliminations, Group Reporting Support) (BPAAAGAG)
Keywords
Where Plumb is headquartered
LocationHeadquarters
- HQ city
- La Jolla
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Plumb business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Bill Pay Services: Transaction-based billing model where fees depend on the number of transactions performed monthly. Includes one-time setup fee for establishing processes and schedules. Billed annually over a 12-month period.
- Family Office Accounting Services: Fees based on number of entities, accounts, properties, and other accounting services required. Includes one-time setup fee. Billed annually over 12-month period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Annual | Transaction-based pricing for bill pay services |
| Subscription | Annual | Entity-based pricing for family office accounting |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Plumb product offering
Product offeringCore offering
Plumb provides outsourced bill pay services for high-net-worth individuals and families, managing bill payment, expense tracking, vendor management, and reconciliation through a dedicated accounting team and a proprietary mobile/web application. It also delivers family office accounting services covering investment reconciliation, private equity tracking, consolidated multi-entity financial reporting, entity bookkeeping, cash flow management, trust and foundation accounting, and annual tax organizer preparation. A strategic Sage Intacct integration enables multi-entity consolidation and GAAP-compliant reporting for clients requiring enterprise-grade accounting.
Product overview
Plumb offers a unified suite of financial management services for high-net-worth individuals and family offices, combining high-touch outsourced bill pay services with comprehensive family office accounting. The core offering consists of Outsourced Bill Pay Services and Family Office Accounting Services, supported by the proprietary Plumb Bill Pay App for mobile access and approvals. As a Sage Intacct partner, Plumb also implements and manages Sage Intacct integration for clients requiring advanced multi-entity accounting, real-time consolidation, and enterprise-grade financial reporting. Together, these products deliver end-to-end financial oversight from daily bill payment through complex investment and entity accounting.
Differentiator
Problem solved
Functional benefit
Brands
- Plumb Bill Pay App: Proprietary mobile application providing bill payment access, bill approvals, expense tracking, and financial reporting for clients.
Products and services
- Outsourced Bill Pay Services Full-service outsourced personal and household bill management for high-net-worth individuals and families, including bill payment and recordkeeping, expense tracking, vendor management, and reconciliation, with 24/7 access via the proprietary Plumb Bill Pay App.
- Family Office Accounting Services Comprehensive family office accounting for high-net-worth individuals and family offices, including investment accounting reconciliation, private equity tracking, consolidated financial reporting, multi-entity bookkeeping, cash flow management, budgeting and cash flow projections, foundation accounting, trust accounting, insurance coordination and oversight, and annual tax organizer preparation.
- Plumb Bill Pay App Proprietary mobile and web application for Plumb clients providing real-time bill approvals, bill upload, expense tracking, cash outflow visibility, 6-month cash flow forecasting, balance alerts, a Hot List for priority bills, and secure communication with the Plumb team.
Quantifiable outcome
- 50% reduction in reconciliation time for multi-entity clients
- +3 more outcomes
Companies that use Plumb
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Plumb technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability1 record
Feature4 records
Plumb partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Sage IntacctcoreStrategic technology partnership where Sage Intacct provides the core ERP platform for Plumb's family office accounting services. Sage Intacct enables multi-entity management, real-time consolidation, automated workflows, and customizable dashboards across multiple entities for HNWI and family office clients.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Plumb competitors and assessment
Company assessmentDirect peers
- Aspiriant: Independent, fee-only wealth management and family office firm providing investment management, tax, and family office services to UHNW clients. Comparable boutique scale, service model, and target client profile.
- Cresset: Multi-family office providing wealth management, family office services, and bill pay to UHNW families. Comparable boutique positioning with white-glove service model similar to Plumb's.
- Glenmede: Independent wealth manager and multi-family office offering investment management, trust services, and family office administration. Comparable boutique scale with multi-entity HNWI accounting and bill pay capabilities.
- Crestbridge (TMF Group): Provides outsourced family office services including bill pay, accounting, and multi-entity administration for high-net-worth and ultra-high-net-worth clients. Direct overlap with Plumb's core bill pay and family office accounting offering.
Emerging players
- Empower (Personal Capital): Wealth management platform with bill pay, cash flow tracking, and consolidated reporting for high-net-worth investors. Represents the technology-enabled threat to Plumb's bill pay service line.
- Addepar: Wealth management technology platform offering consolidated reporting, analytics, and increasingly operational tools for family offices. Competes for the technology layer that Plumb partially addresses via Sage Intacct and the Plumb Bill Pay App.
Broad incumbents
- Bill.com: Cloud-based bill pay, AP automation, and spend management platform. While primarily SMB-focused, it represents the broader bill pay infrastructure category that could move upmarket into HNWI/family office use cases.
- Brown Brothers Harriman (Wealth Management): Large private bank and wealth manager with dedicated family office services including bill pay, consolidated reporting, and trust accounting. Competes with Plumb for multi-entity family office mandates at the UHNW end of the market.
- BNY Mellon Wealth Management: Major custodian-affiliated wealth manager with family office and private wealth services including bill pay, trust, and consolidated reporting. Competes with Plumb via bundled custody + family office offering.
- SEI Family Office Services: Provides outsourced investment accounting, consolidated reporting, and back-office services to family offices. Highly comparable on the multi-entity family office accounting and reporting side of Plumb's offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Plumb social profiles
Digital presencePlumb compliance and trust
Trust signalCompliance4 records
Plumb financial estimates
Financial estimateRevenue estimate
Valuation estimate
Plumb leadership team
Management profileNumber of profiles
Profiles5 records
Plumb funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Plumb M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Plumb
What does Plumb do?
Plumb provides outsourced bill pay services for high-net-worth individuals and families, managing bill payment, expense tracking, vendor management, and reconciliation through a dedicated accounting team and a proprietary mobile/web application. It also delivers family office accounting services covering investment reconciliation, private equity tracking, consolidated multi-entity financial reporting, entity bookkeeping, cash flow management, trust and foundation accounting, and annual tax organizer preparation. A strategic Sage Intacct integration enables multi-entity consolidation and GAAP-compliant reporting for clients requiring enterprise-grade accounting.
Is Plumb a public or private company?
Plumb is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Plumb founded?
Plumb was founded in 1996. It employs 51 to 100 people.
Where is Plumb based?
Plumb is headquartered in La Jolla, United States, in the North America region.
How does Plumb make money?
Two revenue lines are on record. Bill Pay Services are the primary driver. The others are family Office Accounting Services.
Who are Plumb's main competitors?
Direct peers on record are Aspiriant, Cresset, Glenmede and Crestbridge (TMF Group). Emerging players are Empower (Personal Capital) and Addepar. Broad incumbents are Bill.com, Brown Brothers Harriman (Wealth Management), BNY Mellon Wealth Management and SEI Family Office Services.
Does Plumb have an API?
No public API is recorded for Plumb.
What industry is Plumb in?
Plumb's product category is Family Office Accounting Services. Its primary akta.pro industry code is FSAMAJAB, Bill Aggregators & Consolidators, with a secondary code of FSAMAKAL, Corporate Treasury & Supplier Payments (AP, Mass Payments). Its NAICS code is 52232.