[Fern]

are you fully funding your IRA each year? You can still make a partial contribution to roth ira as a high income earner (you didn't say how high) and you can deduct the full amount on a traditional IRA if you have no 401k.

do you ever donate used clothing or other items to charity, like good will? This is tax deductible. (OH, never mind, i see you claim the standard deduction.)

have you considered a variable annuity, which offers a tax-deferred umbrella for your investment during your earning years, and is only taxable upon withdrawal upon retirement.

There are also certain tax-advantaged mutual funds offered by the well-known fund companies like T. Rowe Price.