The whole household, in one set of books.
Multiple residences, trusts, entities, accounts, credit cards, and household employees make even basic questions hard to answer. Wolf Pine Bookkeeping keeps organized, reconciled household books and turns them into reports the family and its advisors can actually use, so you always have a reliable view of cash flow and spending.
Reconciled every monthReports for the family and its advisorsSeparate from Wolf Pine CapitalPortsmouth, NH · serving families nationwide
- Profit and loss by month
- Spending by residence
- Trust and LLC activity
- Advisor package to the CPA
Sample data.
The threshold is complexity, not net worth
Most households begin on the left. Homes, trusts, accounts, staff, and advisors accumulate one at a time, and the recordkeeping rarely keeps pace. There is no minimum to work with Wolf Pine Bookkeeping. Wherever a family sits on this path, organized books make the next step easier.
The threshold is wherever the recordkeeping stops keeping up with the life.
The monthly report, as the family receives it
A household profit and loss by month, straight from QuickBooks Online, built on a chart of accounts designed for a household rather than a business. Income and spending are grouped the way a family thinks about them: the residence, personal and family life, transportation, travel, recreation, insurance, taxes.
- How much did our family spend last year?Every account, every month, with the year to date.
- What does each residence cost to operate?The same report, run by property.
- Which activity belongs to a trust or entity?Kept separate from personal activity.
- What are we spending on staff, travel, or professional fees?By account, with the detail behind each line.
- How has spending changed over time?Month against month, year against year.
Scroll sideways for the months and the total.
| Jan 2026 | Feb 2026 | Mar 2026 | Apr 2026 | May 2026 | Jun 2026 | Total | |
|---|---|---|---|---|---|---|---|
| Income | |||||||
| 40000 Earned and Operating Income | |||||||
| 40100 Salary and Wages | 20,583.33 | 20,583.33 | 20,583.33 | 20,583.33 | 20,583.33 | 20,583.33 | 123,499.98 |
| 40200 Bonus and Incentive Compensation | – | – | 85,000.00 | – | – | – | 85,000.00 |
| 40300 Self-Employment and Consulting Income | – | 12,500.00 | – | – | 12,500.00 | – | 25,000.00 |
| 40400 Rental and Royalty Income | 9,800.00 | 9,800.00 | 9,800.00 | 9,800.00 | 9,800.00 | 9,800.00 | 58,800.00 |
| Total for 40000 Earned and Operating Income | 30,383.33 | 42,883.33 | 115,383.33 | 30,383.33 | 42,883.33 | 30,383.33 | $292,299.98 |
| 41000 Trust and Entity Distributions | |||||||
| 41100 Trust Distributions Received | – | – | 25,000.00 | – | – | 25,000.00 | 50,000.00 |
| Total for 41000 Trust and Entity Distributions | – | – | 25,000.00 | – | – | 25,000.00 | $50,000.00 |
| Total for Income | 30,383.33 | 42,883.33 | 140,383.33 | 30,383.33 | 42,883.33 | 55,383.33 | $342,299.98 |
| Expenses | |||||||
| 60000 Residence Costs | |||||||
| 60100 Utilities — Electricity and Gas | 1,955.40 | 1,812.15 | 1,412.40 | 1,188.15 | 902.60 | 1,077.25 | 8,347.95 |
| 60200 Water, Sewer, and Trash | 186.40 | 186.40 | 186.40 | 186.40 | 210.15 | 210.15 | 1,165.90 |
| 60300 Communications — Internet and Telephone | 389.00 | 389.00 | 389.00 | 389.00 | 404.00 | 404.00 | 2,364.00 |
| 60400 Repairs and Maintenance | 2,140.00 | – | 640.00 | 1,215.00 | – | 1,680.00 | 5,675.00 |
| 60500 Landscaping, Snow Removal, and Exterior Care | 850.00 | 850.00 | – | 1,250.00 | 1,450.00 | 2,850.00 | 7,250.00 |
| 60600 Security and Monitoring | 159.99 | 159.99 | 159.99 | 159.99 | 159.99 | 159.99 | 959.94 |
| 60700 Household Staff Wages and Payroll | 4,200.00 | 4,200.00 | 4,200.00 | 4,200.00 | 4,200.00 | 4,200.00 | 25,200.00 |
| Total for 60000 Residence Costs | 9,880.79 | 7,597.54 | 6,987.79 | 8,588.54 | 7,326.74 | 10,581.39 | $50,962.79 |
| 62000 Personal and Family | |||||||
| 62100 Groceries | 2,210.12 | 1,988.40 | 2,120.12 | 2,190.06 | 2,452.77 | 2,302.33 | 13,263.80 |
| 62110 Household Supplies and Consumables | 481.45 | 507.81 | 917.66 | 631.85 | 532.85 | 490.40 | 3,562.02 |
| 62200 Medical, Dental, and Pharmacy | 1,742.15 | 610.00 | 388.00 | 955.60 | 320.00 | 1,690.25 | 5,706.00 |
| 62300 Personal Care | 640.00 | 458.50 | 458.50 | 706.00 | 458.50 | 458.50 | 3,180.00 |
| 62310 Clothing and Dry Cleaning | 648.90 | 1,112.00 | 865.30 | 1,680.45 | 910.75 | 1,440.00 | 6,657.40 |
| 62600 Subscriptions and Digital Services | 312.60 | 312.60 | 329.85 | 329.85 | 329.85 | 344.10 | 1,958.85 |
| 62700 Pet Expenses | 486.20 | 1,410.40 | 512.00 | 498.75 | 1,240.10 | 486.20 | 4,633.65 |
| 62800 Gifts and Charitable Contributions | 1,000.00 | 2,500.00 | 1,000.00 | 1,000.00 | 2,500.00 | 1,000.00 | 9,000.00 |
| 62910 Shared Expense Reimbursements | -280.00 | -410.00 | – | -655.00 | -390.00 | -120.00 | -1,855.00 |
| Total for 62000 Personal and Family | 7,241.42 | 8,489.71 | 6,591.43 | 7,337.56 | 8,354.82 | 8,091.78 | $46,106.72 |
| 63000 Transportation | |||||||
| 63100 Fuel and Charging | 414.80 | 398.35 | 462.10 | 501.44 | 440.90 | 475.60 | 2,693.19 |
| 63200 Repairs and Maintenance | 646.00 | – | – | 1,290.00 | – | – | 1,936.00 |
| 63300 Vehicle Insurance and Registration | 612.00 | 612.00 | 612.00 | 612.00 | 612.00 | 612.00 | 3,672.00 |
| 63400 Parking and Tolls | 84.40 | 65.82 | 96.55 | 74.65 | 148.35 | 94.43 | 564.20 |
| Total for 63000 Transportation | 1,757.20 | 1,076.17 | 1,170.65 | 2,478.09 | 1,201.25 | 1,182.03 | $8,865.39 |
| 64000 Personal Travel | |||||||
| 64100 Commercial Travel Fares | – | 2,213.60 | – | 1,683.62 | – | 1,898.80 | 5,796.02 |
| 64200 Lodging | – | 3,240.00 | – | 2,180.00 | – | 2,680.00 | 8,100.00 |
| 64300 Travel Meals and Activities | – | 908.40 | – | 540.00 | – | 1,020.00 | 2,468.40 |
| Total for 64000 Personal Travel | – | 6,362.00 | – | 4,403.62 | – | 5,598.80 | $16,364.42 |
| 64500 Lifestyle and Recreation | |||||||
| 64510 Restaurants and Dining Out | 1,588.70 | 1,940.55 | 1,240.22 | 1,710.85 | 2,175.40 | 2,320.16 | 10,975.88 |
| 64530 Sports and Fitness | 1,485.00 | 720.00 | 720.00 | 720.00 | 720.00 | 720.00 | 5,085.00 |
| 64540 Clubs and Social Memberships | 6,845.00 | 4,650.00 | 4,980.00 | 5,210.00 | 5,390.00 | 4,725.00 | 31,800.00 |
| 64550 Hobbies and Recreation | 215.00 | – | 463.78 | – | 1,280.00 | – | 1,958.78 |
| Total for 64500 Lifestyle and Recreation | 10,133.70 | 7,310.55 | 7,404.00 | 7,640.85 | 9,565.40 | 7,765.16 | $49,819.66 |
| 65000 Professional and Administrative | |||||||
| 65100 Legal and Professional Fees | – | 1,850.00 | – | 2,500.00 | – | – | 4,350.00 |
| 65600 Bank, Custody, Card, and Security Fees | 95.00 | 45.00 | 45.00 | 45.00 | 45.00 | 45.00 | 320.00 |
| Total for 65000 Professional and Administrative | 95.00 | 1,895.00 | 45.00 | 2,545.00 | 45.00 | 45.00 | $4,670.00 |
| 66000 Insurance | |||||||
| 66100 Umbrella and Property Casualty | 3,200.00 | – | – | – | – | – | 3,200.00 |
| 66200 Life and Disability | 940.00 | 940.00 | 940.00 | 940.00 | 940.00 | 940.00 | 5,640.00 |
| Total for 66000 Insurance | 4,140.00 | 940.00 | 940.00 | 940.00 | 940.00 | 940.00 | $8,840.00 |
| 69000 Personal Taxes | |||||||
| 69100 Federal Estimated Income Tax | 18,500.00 | – | – | 18,500.00 | – | 18,500.00 | 55,500.00 |
| 69310 Real Estate Taxes | – | – | – | – | – | 21,600.00 | 21,600.00 |
| 69300 Other Personal Taxes | – | – | – | 249.00 | – | – | 249.00 |
| Total for 69000 Personal Taxes | 18,500.00 | – | – | 18,749.00 | – | 40,100.00 | $77,349.00 |
| Total for Expenses | 51,748.11 | 33,670.97 | 23,138.87 | 52,682.66 | 27,433.21 | 74,304.16 | $262,977.98 |
| Net Operating Income | -21,364.78 | 9,212.36 | 117,244.46 | -22,299.33 | 15,450.12 | -18,920.83 | $79,322.00 |
| Other Income | |||||||
| 70000 Investment and Other Income | |||||||
| 70100 Taxable Interest | 1,041.12 | 1,064.80 | 1,087.35 | 1,109.90 | 1,132.16 | 1,155.03 | 6,590.36 |
| 70200 Dividends | – | – | 2,860.40 | – | – | 2,915.75 | 5,776.15 |
| Total for 70000 Investment and Other Income | 1,041.12 | 1,064.80 | 3,947.75 | 1,109.90 | 1,132.16 | 4,070.78 | $12,366.51 |
| Total for Other Income | 1,041.12 | 1,064.80 | 3,947.75 | 1,109.90 | 1,132.16 | 4,070.78 | $12,366.51 |
| Net Income | -20,323.66 | 10,277.16 | 121,192.21 | -21,189.43 | 16,582.28 | -14,850.05 | $91,688.51 |
What the engagement can include
Every family is structured differently. The bookkeeping and reporting are designed around the accounts, properties, entities, and questions that matter to you.
The books
- Ongoing household bookkeeping
- Bank and credit-card reconciliation
- A customized chart of accounts
- Financial-record organization
- Income, expense, and cash-flow reporting
The structure
- Tracking expenses by property, trust, entity, or family member
- Trust and entity bookkeeping
- Tracking trust income, expenses, and distributions
- Customized reports for the family and its advisors
Household operations
- Household bill pay through BILL, with the family approving every payment
- Household staff payroll support
- Coordination with your CPA, attorney, trustee, or family office
Why Wolf Pine Bookkeeping
Wolf Pine Bookkeeping was founded by Peter Ankeny, who brings technical, bookkeeping, and private-wealth experience to this work. Peter began his career designing industrial engineering systems and later worked in wealth planning at UBS Private Wealth Management and Lake Street Advisors. His experience with business owners, family offices, and complex financial structures directly informed the creation of Wolf Pine Bookkeeping.
Wolf Pine Bookkeeping works alongside your existing CPA, attorney, financial advisor, trustee, or family-office personnel. It maintains the underlying books and provides organized information. Each professional remains responsible for advice and decisions within their own field.
- CERTIFIED FINANCIAL PLANNER™ professional
- QuickBooks ProAdvisor Gold
- QuickBooks Online Levels 1 and 2
- QuickBooks Workforce Certification
- Intuit Certified Bookkeeping Professional
- Intuit Client Advisory Services Foundations
- BILL Expert Certified
- Based in Portsmouth, New Hampshire
Wolf Pine Bookkeeping is separate from Wolf Pine Capital, Peter’s financial advisory firm. Family bookkeeping is provided through a distinct engagement with a clearly defined scope and responsibilities.
A clearly defined engagement
Three steps from first conversation to a monthly rhythm, with the scope written down before any work begins.
1
Understand the structure
Accounts, properties, trusts, entities, household payroll, the systems already in place, and the questions the family wants its reporting to answer.
2
Recommend the books and the reports
A chart of accounts and reporting structure built around the family’s dimensions, with the scope, responsibilities, and monthly fee set out in an engagement proposal.
3
Keep the monthly rhythm
Transactions categorized, every account reconciled, the household report delivered, and organized records shared with advisors when the family asks.
Pricing
Family bookkeeping engagements start at $500 per month. The final fee follows the structure of the household, not its net worth.
The monthly fee reflects
- Number of accounts and cards
- Transaction volume
- Properties, trusts, and entities
- Reporting requirements
- Bill-pay responsibilities
- Household payroll needs
- Condition of the existing records
Included
- Bookkeeping, recordkeeping, and reconciliation
- Financial reporting for the family and its advisors
- Tracking by property, trust, entity, or person
- Bill-pay coordination and payroll support when engaged
Not included
- Tax preparation or tax advice
- Legal advice, investment management, or financial planning
- Trust administration or fiduciary decisions
- Formal court accounting
Questions families ask
The short version: this is bookkeeping and reporting, built around your structure, working alongside the advisors you already have.
Is family bookkeeping the same as personal budgeting?
No. Wolf Pine Bookkeeping’s focus is creating accurate books and useful reporting so the family can understand actual cash flow and spending. Budgeting can be incorporated when desired, but it is not the primary objective.
Do we need a family office to use this service?
No. Some families need professional bookkeeping and reporting without building a complete family office. Wolf Pine Bookkeeping can provide the bookkeeping function independently or work alongside an existing family office.
Can you track multiple properties, trusts, or entities?
Yes. The bookkeeping can be structured to track applicable activity separately by property, trust, entity, family member, or another useful category. Trust bookkeeping does not include trust administration, fiduciary decisions, tax advice, legal advice, or formal court accounting.
Can you pay our household bills as well?
Yes, as an add-on to the bookkeeping engagement. Bills are organized and presented for approval in BILL, and only the family’s designated approver can authorize a payment. Wolf Pine Bookkeeping never takes custody of funds or signs into your banking portals. Read how household bill pay works.
Can you work with our existing advisors?
Yes. Wolf Pine Bookkeeping can provide organized bookkeeping records and reports to the family’s CPA, attorney, financial advisor, trustee, or other professionals.
Can Wolf Pine Bookkeeping work with families outside New Hampshire?
Yes. Wolf Pine Bookkeeping is based in Portsmouth, New Hampshire and works virtually with suitable clients throughout the United States.
A clearer view of your family’s finances
If your family’s financial life has become difficult to see as a whole, organized books and clearer reporting can change that. A private consultation covers your current structure, the records already in place, and the questions you want your reporting to answer.
