It was supposed to be a relaxing escape—her first cruise after 23 years in corporate life. But on the fourth night, as Ruby Scotland prepared for dinner, the news ticker on the ship’s TV blindsided her: her company was shutting down its U.S. stores. By the time Ruby returned home, her long-standing career was over.
“That was the moment I realized I needed to completely reinvent myself,” Ruby recalls with a smile that’s equal parts confidence and gratitude. “I decided if I was going to start over, I’d do something meaningful—something that really helped people.”
And that’s exactly what she’s done.
Today, Ruby Scotland is a Financial Representative with Primerica Financial Services, based out of Cocoa Beach, FL, but serving clients across 13 states, from California to New York. You can usually find her at her office on Atlantic Avenue, helping individuals and families make sense of their finances—or as she likes to say, “taking the puzzle pieces of their financial life and putting them together.”
Turning a Lifelong Interest Into a Purpose-Driven Career
“Money touches every part of our life, but nobody ever teaches us how to manage it,” Ruby says. “I’ve always had an interest in personal finance, so I made it my mission to help people avoid common pitfalls and build financial confidence.”
Ruby’s services are refreshingly inclusive. While many firms won’t look your way unless you’ve got six figures to invest, Ruby’s philosophy is simple: everyone deserves sound financial guidance.
“Whether it’s someone investing $25 a month or rolling over a $250,000 401(k), I give every client the same care and attention,” she explains. “I offer a comprehensive and complimentary financial review using their real numbers—not cookie-cutter advice.”
Changing Lives, One Plan at a Time
Ruby’s impact goes beyond numbers on a spreadsheet. She recalls a client burdened with crushing debt who had signed up with a debt consolidation company out of desperation. After a detailed review, Ruby realized the program wasn’t helping—and crafted a debt elimination plan tailored to the client’s unique situation.
“Not only did her credit score improve, but she finally had peace of mind. That’s why I love what I do,” Ruby shares.
She’s also proud of helping pre-retirees secure their futures. One client, just a few years away from retirement, faced significant market volatility. Ruby restructured his investments, shielding part of his savings in an annuity while keeping some in a moderate-risk IRA. “When the market dipped, his principal was protected. He stayed on track for retirement, without the sleepless nights.”
More Than Just Investments
Most people are surprised to learn Ruby’s services go beyond investments and insurance—she’s also licensed to handle mortgages in Florida, Michigan, and Colorado.
“For many families, their mortgage is their largest financial commitment. I love helping them make sure it’s working for them, not against them,” Ruby says.
Building Community, Not Just Clients
Ruby thrives on connection. Her business grows largely through referrals, and being part of networking groups like Invested Networking Group has been a game-changer. “It’s like having a second family. I work for myself, but never by myself. I have an entire corporate team and a supportive community behind me.”
Words of Wisdom
For anyone looking to follow in her footsteps, Ruby’s advice is crystal clear: “Surround yourself with people who know more than you. Tap into every resource you can. You might be in business for yourself, but you should never be by yourself.”
If you’re ready to take control of your financial future, Ruby Scotland is just a call—or cruise—away.
📍 Primerica Financial Services
320 N. Atlantic Ave, Suite 2B, Cocoa Beach, FL
📞 201-220-6606
📧 rscotland@primerica.com
🌐www.primerica.com/rubyscotland