My 14 month old lower teeth is in front of her upper teeth. i find it odd. does it mean she needs retainers in the future?

No: She will be fine, don't worry about alignment at this tender age.

Some Orthodontic tx: It is hard to get a 14 mo old to bite in their normal bite. Let's say it is her bite, this is called anterior crossbite. This will usually occur in the permanent front teeth. It should be corrected as a lower incisor will mark the front surface of the upper incisor. Do family members with a "strong" lower jaw? Growth spurt time will tell if it is a jaw issue. Check with an orthodontist.