With a $200,000/year household income (presumably before taxes) your family is not likely to be able to afford to spend something around about $90,000 per year to send one student to school unless someone has a LOT of savings to cover this. Also, for a business / econ / finance major a master’s degree is a real possibility and could add additional expense.
You need to figure out what your budget is, and what your budget is without taking on debt. Then you need to be very cautious about taking on debt, particularly any debt beyond the federally subsidized limit. You are likely to want to run some NPCs and see what various schools are likely to cost.
Regarding Cornell versus U.Penn, there are two things to think about: Which school do you like and where would you be more comfortable? Have you or your parents run the NPC and are you all okay with the result? They are both excellent universities with excellent business programs. Cornell of course will have colder winters and more snow, but the location is IMHO beautiful (and someone else will mostly shovel the snow at least while you are a student). If you get into either ED, then are you okay with not having a chance to see if you get into Harvard or Stanford?
Applying to NYU and BU in the RD round means that you can see what sort of offers you receive before you decide whether to go to either.
Personally I would mention the piano. This shows that you did make a commitment for a long time and did very well with significant accomplishments. It is entirely common for people to love music, play for a while, and then take time off from it (music is a very tough way to make a living). I did. Got back to it after years, and then stopped again when my fingers complained. I know someone else who similarly quit music part way through high school and a number of years later earned her DVM. Both doing well at music and earning a university degree or two or three takes a lot of time and ability and concentrated effort.
Given your excellent stats, excellent ECs, and being in-state, I would expect U.Mass to be a safety and a very good one. I do not know Fordham much but from what little I know it looks very likely (perhaps a safety) and merit aid is possible. With both of these in the EA round at least to me it looks like you are quite likely to have an acceptance or two to a very good affordable university early in the process. Then you get to wait and see what other offers you will get and then figure out where you will actually attend.
Let’s suppose that you get into U.Mass, Fordham, and one of your reach schools, let’s say Stanford or Harvard. You do not need to attend a famous university just because you get into it. Highly ranked schools such as Stanford and Harvard are great schools for some academically strong students who want to work very hard, but they are not a great fit for all academically strong students. You can get a very good education at any of these schools. Look for a school that is a good fit for you and that is affordable.
I think that you are doing very well. Make sure that any ED school is likely to be affordable, or just don’t apply ED anywhere, and you should be fine.
Edited to add: You are a very competitive applicant at any university. To me you look to be fully academically qualified to attend Stanford, Harvard, U.Penn, Cornell, or anywhere else. The vast majority of applicants to these highly ranked schools are similarly very academically well qualified. I do not think that we can chance you at these highly ranked schools other than to say that you too are well qualified. If you do get into particularly one of these four schools, expect that they will be full of students who are just as strong as you are. This is both a good thing and a challenge. Classes will get tough the day that you show up on campus. Make sure that this is what you want before you commit to any of them.