Here is how we do a chart of accts. on QB.

The numbering system will allow lots of room for sub accts.

1000 - Asset

2000 - Liabilities

3000 - Equity

4000 - Income

6000 - Expense

8000 - Other Expense (personal)

This method will allow business and personal acct. numbers

as when paying a credit card, and then you split.

The personal items are at the very bottom of the ledger, so

are not needed for income tax returns.

As mentioned above, ask your acct. for his ideas.  This is not

complicated.  Also post your entire checking account on QB,

so you balance to the penny each month.  This will force you

into double entry bookkeeping, the most accurate way.  You will

need to know your debits and credits.