Build a Stronger Financial Future with a Local Expert You Can Count On

Financial Education | Life Insurance |
Home Mortgage | Debt Elimination

Take control of your money and your future. As a financial professional serving Brevard County, I help hardworking families eliminate debt, protect their income, and grow wealth — starting with the basics of financial education and proven financial tools. Serving Brevard County Families Since 2018 Let’s build your future — one smart step at a time.

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Feeling Overwhelmed by Debt, Savings, and Insurance?

When interest rates, insurance policies, and retirement goals all demand your attention, it’s easy to feel stuck and risk missing out on opportunities to grow your wealth. That’s where Ruby Scotland steps in.
Take control of your finances with a plan that aligns with your goals and lifestyle.
Use our Budget Worksheet to map out your income, expenses, and savings in one clear place.

Get Your Budget Worksheet

Our Solution

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Life Insurance Protection

Choose the right coverage for your family’s needs—term or whole life—without confusing industry jargon.

Review life insurance plans

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Customized Retirement Plan

Build a clear path toward retirement, college savings, or major life milestones—starting at just $25/month.

See our financial strategies services

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Residential Mortgages

Compare mortgage options, refinance to lower your rate, or navigate a first-time purchase with confidence.

Explore home mortgage solutions

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Debt Elimination Strategies

Get out of high-interest debt fast through personalized payoff plans and lender negotiations.

Learn how our debt elimination works

Benefits You Won’t Find Anywhere Else

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Personal Attention for Every Budget

Because your needs matter—whether you’re investing $25/month or rolling over six figures. You’ll have direct access to Ruby for questions, updates, and strategy tweaks.

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Reviews Based on Your Actual Numbers

Every recommendation starts with a complimentary analysis of your budget, debts, and savings. You won’t get one-size-fits-all advice—only actionable steps that work for your wallet.

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Ongoing Support and Check-Ins

Life changes. Your plan shouldn’t stay static. Regular follow-ups keep your strategy on track, whether you’re refinancing, expanding investments, or updating insurance coverage.

Service Features You’ll Appreciate

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Registered Representative, PFS Investments Inc. (FINRA BrokerCheck)

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No minimum portfolio size—start investing with as little as $25/month

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Flexible meeting options: in person (Cocoa Beach) or via video call

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Transparent fee structure—no hidden charges

Frequently Asked Questions

Are you licensed to advise me in Florida?

Yes—licensed for life insurance, investments, and mortgages in Florida, plus investment licenses in 12 other states.

Can you help me if I’m already deep in debt?

Absolutely. My debt-elimination strategies focus on negotiating lower rates, creating payoff plans, and teaching healthy spending habits. Many clients see progress within weeks.

What makes Ruby Scotland different from other financial planners?

Many firms ignore smaller portfolios. Whether you’re investing $25 a month or rolling over a six-figure 401(k), you receive the same personalized attention from a financial planner Cocoa Beach families vouch for.

Partner with Primerica for Your Financial Future

Take the next step toward financial independence with a team that puts your goals first.
Through our partnership with Primerica, you can access proven tools and
strategies for building wealth, protecting your family, and planning for retirement.

Ready to start your journey?

Learn More with Primerica

Ready to Take the Next Step?

Whether you need debt relief, mortgage guidance, or a secure life insurance policy, you don’t have to navigate this alone.
Start today with a free, no-obligation consultation.

Get My Free Consultation