Note: this is all information I gathered from pestering higher levels who are more experienced and knowledgeable. I may not understand the nuances, so I welcome input and criticism.
You seem to be set up for farming High Orcs, which is nice, so you can farm them for zenny and XP. HO's can be fairly profitable, especially if you upgrade your NPC equipment to Helm and Boots. You can also spend money upgrading your armor, helm, boots, etc. to +4 -- it'll cost about 500,000z total, if you buy the elunium.
You should also focus on equipping yourself for the 85+ grind. For example, you'll probably want a Pasana Card so you can efficiently farm Magma. You already have an ice weapon, so that will help a lot, but you may consider upgrading that as well.
Also consider working on getting your Raydric Card. It's a solid armor card, and you already have a shield that will help you farm it.