Off the top of my head, there is alot there to unpack which doesnt make sense.
1.) How did she accrue 350K in a Roth vehicle? She is far beyond the income limits, she is too young to have second careered into medicine and the amount is too large to be attributable to normal market gains at only 41. This is bullsht OR an inherited financial instrument.
2.) Her monthly doesnt make sense. Her income is 1.3m annually which is SKY HIGH, even for an gas dr. with partial ownership in a surgical center. At that level she is probably making 2-3x what the actual surgeons are bringing home. Yes there are gas folks that pull that weight but they are RARE and typically not 41 yo women...LOL
3.) The thing that really starts setting off the alarm bells is her monthly number....1,300,000 annually in income in New Jersey only brings home 60K a month, not 76+.
4.) Assuming she starting working at a normal point after a normal educational period, she could not have accumulated 1M in a 401K given the max contribution limits unless she had every single year posting double digit or even 25%+ gains for years on end...near impossible.
The whole thing is B.S.
She gets a MASSIVE share of income from LT investments, hence why her marginal tax rate is appearing so low. This is INHERITED money. Her medical income is a small fraction of that 1.3 and you could easily do the math to figure out what she is making at her practice.
If I had to guess she inherited a large RE trust from a dead relative and therefore this has essentially ZERO applicability to medicine. She is could be a stripper at Cheetah's and her numbers would look similar....nothing to see her folks, move along.