I’ll focus my comment about things often overlooked:
Insurance. Medical, home, car, and umbrella insurance. KEEP GOOD MEDICAL INSURANCE.
Work hard on your privacy. People with deep pockets are juicy targets for lawsuits. Start an LLC (with a name not associated with you) and transfer things like real estate to it.
Investments: there are tax-free investments such as muni bonds. Invest in rental properties (under your llc). There’s no shame in sticking a bunch of money into an S&P 500 index fund. Capital gains are wonderful.
When you speak with an accountant, tell them specifically you’re interested in tax deferment and protection strategies.
For your children’s education: look into front-loading their 529 plans.
If your accountant doesn’t mention this type of stuff then find another.