How to save for retirement if above MAGI for ira/roth

My wife and I are above the phaseout for IRA/Roth with out MAGI. I can only put about 5K in my 401k before I hit excessive contributions (see other post) and my wife is putting 20% in. we have asked management to change the type of 401K to a “safe harbor” (?) to allow us to put max in but so far that hasn’t gone over well, because it’s going to cost them more money.

Is there anything we can do to cut our pre-tax. We have no children. All we want to do is to be able to put more money away for retirement and lower taxes. And of course… we want this to be legal 🙂

Any ideas… thanks in advance.



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