<p>I disagree that two safeties is enough. If your family will qualify for need based aid you need to apply to schools that meet 100% of need. You can find this information by doing some internet homework.
If you will not qualify for a lot of need based aid but still need financial aid, you need to apply to schools which will give you merit aid. That means selecting schools that are looking for students with your profile. For instance, a school in a different area geographically that is looking to expand its diversity in that way. California kid going to school in New England that has a lot of New England students, NOT a top tier school would be one example.
Do some searching for threads about merit aid.</p>