Questions & Answers

Really. Consultations are always free, with no obligation and no pressure. We talk through what you need, and you decide if and when you want to move forward.

You don’t pay me — the products you choose pay me directly. My compensation comes from the carriers and companies whose products you enroll in, it doesn’t raise your price, and I’m not paid more for steering you toward any particular one. The single exception is notary work, which is a fee-based service.

Yes — notary is my one fee-based service, so this is the one thing you pay me for directly. Florida caps what a notary may charge per notarial act, and I’ll quote you up front before anything is signed. Travel and after-hours appointments may add to it.

Individuals, families, groups, and businesses. Whether it's just you, your household, or your whole team, we build a benefits solution around what you actually need.

Absolutely. Life changes, and coverage should keep up. I'll walk through what you have in plain language, point out gaps or overlaps, and tell you honestly if what you have is already the right fit.

Not always. Many plans offer simplified applications with no medical exam. The right option depends on your age, health, and how much coverage you want — that's exactly what a free consultation sorts out.

LegalShield connects you with a dedicated provider law firm for advice, document review, will preparation, and letters or calls on your behalf. IDShield monitors your identity and credit around the clock, and licensed private investigators restore your identity if it's ever stolen.

It's a secure, legal way to get documents notarized over video from any device, without meeting in person. Identity is verified electronically and the notarization is completed with a digital seal — perfect when you're traveling, busy, or out of state.

Ray Tide Services is proudly Florida-based. Notary services are available in person locally and online statewide, and most benefits products can be handled by phone or video wherever you are.