Ready to Secure Your Financial Future?
Financial Services Families Trust
Struggling with rising costs, debt, or uncertainty about your financial future? You’re not alone. Many families face these challenges, but with the right guidance, you can eliminate debt, protect your income, and start building real, lasting wealth. Our services are designed to help you take control, one step at a time.
At Scotland Financial, we help you build a clear plan, whether you’re starting with $25 a month or rolling over a six-figure 401(k).
Our Services
Financial Strategies
You want more than just a budget. You want peace of mind. Our investment planning services build you a road map based on your actual income, expenses, and goals, so you can feel confident about your future.
Retirement Planning Services
Thinking about life after work can feel daunting. We’ll help you picture your ideal retirement, whether that’s golden years on the coast or time with grandkids, and map a path to get there without second-guessing.
Debt Elimination
Debt steals your freedom. Our step-by-step approach breaks down overwhelming balances into bite-sized goals. You’ll enjoy the relief of watching balances shrink each month and finally break free from constant payments.
Home Mortgage Assistance
Buying a home in Cocoa Beach or refinancing can feel like a maze. We guide you through options—fixed versus adjustable, term lengths, payment estimates—so you can pick what fits your life.
Life Insurance
Your family’s well-being comes first. With clear quotes and easy comparisons, you’ll know exactly what coverage suits your budget and your loved ones’ needs.
Locations We Serve
We’re proud to call Florida home, with a strong presence in Palm Bay, Cocoa Beach, Merritt Island, Melbourne, Titusville, Brevard County, and across the Space Coast. Our local roots drive our passion for serving the community and helping Floridians achieve lasting financial stability.
Beyond Florida, Ruby Scotland is licensed to serve clients in 14 states, providing personalized financial guidance tailored to your goals. Wherever you are, we’re here to help you build a brighter, more secure financial future.
Why Choose Scotland Financial
Personal Attention for Every Budget
We start with what you have right now, whether it’s $25 a month or a five-figure nest egg, and build a plan that recognizes your goals. No jargon, no one-size-fits-all advice.
Reviews Based on Your Actual Numbers
Other advisors show you fancy charts. We use your real bank statements. You’ll see exactly where you stand and how each recommendation moves you forward.