All spells from all sources are available to me. Feats can be taken from other sources as long as I clear it with the DM. I get very little magic items, but an ass ton of money. There are no magic marts. I have nothing to spend excess cash on. Classes and PrC are limited to the core.
Gorgeous starting point, and tells me that even if it's a cohort wizard (as in if he won't allow cohorts to be classes other than core) it'll give you a chance to still adventure while the factory gears up. If you can get it automated with constructs (easier given the mass sum of money available, and if he allows location feats you can buy up a ton of them), even better. Also, is he allowing ACF's? Wizard 5 with Spontaneous Divination on an Elven Generalist (though I wanna say you mentioned he won't let the Elven Hummingbird fly) sounds sexy, given the circumstances, and given the lack of extra nice stuff for specialists, loses the least. Also, is UA allowed? Domain Wizard I consider to be far superior to Specializing if there isn't a lot available. Does he know about the DMM errata? If so, crap. If not, build some nightsticks and persistify til you're blue in the face. Got Ocular? Get it if you can
Since you're crafting, might as well think of (CL #) nasty things you'd rather not happen to you, and craft a contingent spell for each one. Maybe (CL #-1) to allow for a contingency on the contingencies, with the actual spell for something else. How does he feel about researching new spells? Ever wanted a
Tenser's Transformation that's actually worth a shit? See if you can research one based on ToB mechanics (i.e. you unlock the "magic' of blade wizardry). Maybe three scaling ones (3/6/9) that grant progressively better stuff, and the capstone basically making you a non-race bound valkyrie. Just a few suggestions/ideas. Gold makes everything easier, and so long as you're not at risk of dying from old age (which no wizard worth his spellbook should be) you can layer it on thicker than a Tarrasque hide.