Protection-First Retirement Planning
Life Insurance • Fixed Index Annuities • Long-Term Care Strategies
Retirement security starts with protection.
Protection-First Retirement Planning
Life Insurance • Fixed Index Annuities • Long-Term Care Strategies
Welcome to Security 1st Retirement Strategies. I’m Elizabeth Fowler, Founder and Principal, a Series 7 and Life & Annuities licensed Insurance Specialist. For more than two decades, I worked within large financial institutions — primarily Morgan Stanley and Edward Jones — helping clients understand risk, income planning, and long-term financial tradeoffs across changing markets.
After more than two decades in financial services, I’ve learned that while growth is critical, it cannot come at the expense of security. Experience — both professional and personal — reshaped how I think about risk, income, and long-term stability, and ultimately led me to a protection-first philosophy.
That evolution is what led me to step away from large firms and build an independent practice focused first on safeguarding income, health, and independence — so growth has a foundation to stand on.
The Security First approach
Security 1st Retirement Strategies helps individuals and families reduce risk, create dependable income, and plan for longevity using insurance-based strategies designed for uncertain markets and real-world events.
The strongest retirement plans are built with intention. They thoughtfully combine:
Life insurance to protect income and legacy
Fixed index annuities to preserve principal and create predictable income
Long-term care strategies to safeguard assets, dignity, and independence
Together, these tools address risks that traditional portfolios often overlook until life forces the issue.
Planning for real life — not just markets
Protection-first planning prepares for market volatility, extended longevity, and health-related care needs, so income can continue even when circumstances change.
Rather than relying solely on market timing or optimistic assumptions, these strategies emphasize stability, guarantees where appropriate, and disciplined risk management.
Independent second opinions
For those seeking clarity, I also provide independent portfolio reviews — objective, no-agenda reviews designed to help individuals better understand potential risks and tradeoffs within their existing strategy.
Whether you’re considering a change or simply want reassurance that your current strategy truly fits your life, a second opinion can be a valuable first step.
Portfolio reviews are provided for educational and informational purposes only. They do not constitute investment advice, portfolio management, or recommendations regarding the purchase or sale of securities. No investment advisory services are provided.
Contact me to schedule a Retirement Strategy Call at
Elizabeth.Fowler@security1stretirement.com
Or
Book a Portfolio Second Opinion with the Book Now button.
Elizabeth Fowler is a licensed insurance professional. Services are limited to insurance-based strategies. No investment advisory services or securities recommendations are provided.
Serving Southern California — virtually nationwide