If you don't know what you are doing
To make this solid advice more useful, I'll add... How do you know when you don't know what you're doing? If you think you know what you're doing thats a strong indicator that you don't.
I always have someone in my team that knows what he is doing. Anyway, the main question was about a bitcoin implementation that can handle multiple accounts.
I wonder why nobody suggested Copay, BitcoinJS-Lib, or a fork of BTCWallet handling multiple accounts.