32M / 34F with ~$3M Net Worth, $900k household income, two young kids — what are our blind spots?

Husband - 32 Wife - 34 Two kids - ages 2.5 and 9 months We’ve been married 8 years. I’m the breadwinner. My wife now works part-time for me through our employer and doesn’t have 401k benefits. The rest of the time she’s home with the kiddos. I started my business (would like to keep industry anonymous) with my employer right out of college. I worked hard, pounded the pavement and built it little by little going around neighborhoods introducing myself. I’ve earned what I have by God’s grace. We are very thankful. We’ve had very little (if any) financial support from parents since we’ve been married. Prior to marriage they mainly only paid for our first cars, our college and our wedding. **>>> TOTAL HOUSEHOLD INCOME (most all of it is now from me…she stopped her full-time employment June 2025 and she was making about $70k)** 2025: $884,180 2024: $788,265 2023: $691,816 2022: $482,222 **>>> ASSETS** **= \~$3.5 million** \-**My 401(k): $839k** ($567k Roth, $272k Pre-Tax) *Maxing out Roth bucket annually (front loading early each year), plus my plan allows for an additional $10k after-tax contribution which I immediately convert to the Roth bucket. Employer has annual profit sharing of about 4.5% of my income; they contribute to my 401(k) up to allowable amount and pays the rest to me in cash as excess profit sharing. All equity mix.* \-**Her 401(k) from previous employer (not…