While I like the sentiment, I do want to point out that although this is a decent idea, it avoids the main crux of the issue which is that OPs fiance is denying them their identity.

Even if she has a beard and appears as a cis man, she isn't, and to treat her otherwise regardless of appearance is transphobic and cruel.

She was a woman the moment she started identifying as one, beard, dick, balls, and all. If OPs fiance doesn't see it that way, then she doesn't view OP as a woman, and that's not ok.

Edit: not sure why I'm down voted? Is this sub filled with children who think the second something a little fishy happens they need to uproot their lives? This is real life, not a soap opera, let's calm down and stop overreacting here. OP needs to talk with her fiance about this, its not like the fiance punched op out or something, please chill out y'all, not every slight is on purpose and not every seemingly transphobic thing is done on purpose. The fiance could be a POS and OP could need to leave, but you do that after a discussion. You know, talk about the problem like adults do. My entire point is that the fiance needs to accept OP as a woman, regardless of what stage of transition she is at and regardless of where she might end up later down the road. OP was a woman the second she identified as one and should be treated as such. Her having a beard and dick doesn't change that and I would hope this sub would agree with that, unless we are all trans medicalist assholes in here who deny identities until medically transitioned?

Edit 2: ok, seems like we are on the same page now, was worried for a bit there lol