Any ideas: Accounts contact is also an account with contacts

Any ideas: Accounts contact is also an account with contacts

Help Please:

Just rediscovered Zohocrm and imported contact list and leads into Zoho CRM as leads so that I hopefully won't have to repeat this.   This is a real situation.  I need help setting up accounts, contacts, accounts, contacts... you'll understand in a minute. Here's my Financial Planning Business Scenario:

  •       Company 401K plan where the company is the account and participants are contacts.. .( ie. President)
    • Non participating employees are leads.
  •       President of the Company has personal accounts beside the 401K at work
    • President and wife have a Brokerage account
    • President and wife established College savings plans for Grandkids
      • (account contacts include Pres/Wife, their 3 kids and spouses, and 5 grandchildren)
  • President's kids liked the College savings plans so 2 of them and husbands established life insurance policies, and ROTH IRAs
    • (account contacts are both Parents and grandchildren)
  • Separated President's daughter-in-law's parent's established their own 529 plan for their granddaughter
    • (account contacts are Grandparents, separated daughter and granddaughter so this granddaughter should show up as a contact on both sets of Grandparent's accounts) 
Hey I'm happy to have all the referral business!  Just don't know where to put it all in Zohocrm!  Identifying investment accounts and placements will be linked since I do individual stocks, bonds, limited partnerships and royalty trusts through Folio Institutional and it's all web based.

Thanks for any helpful suggestions
Dave