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 financial advisor. For more than two decades, I worked within large financial institutions — primarily Morgan Stanley and Edward Jones — helping clients grow and manage their wealth through 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 assessments designed to confirm alignment or identify overlooked risks.

Whether you’re considering a new advisor or simply want reassurance that your current strategy truly fits your life, a second opinion can be a valuable first step.

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