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                                                                    EXHIBIT 10.2

                              CONSULTING AGREEMENT


This Agreement is made effective as of January 1st, 2000, by and between
America's Senior Financial Services of 15544 N.W. 77th Court, Miami Lakes, FL
33016, and Brickell Equity Group, Inc., 1717 North Bayshore Drive - #3154;
Miami, Florida 33132.

In this Agreement, the party who is contracting to receive services shall be
referred to as "AMSE", and the party who will be providing the services shall be
referred to as "Brickell".

Brickell has a background in Financial Services Industry, with an emphasis on
public companies and their unique financial needs regarding the raising of
working capital; and is willing to provide services to AMSE based on this
background.

AMSE desires to have services provided by Brickell.

Therefore, the parties agree as follows:

1.   DESCRIPTION OF SERVICES. Beginning on January 1, 2000, Brickell will
     provide the following services, (collectively the "Services"): consult and
     advise the corporate controller and president about financing the company's
     working capital requirements, and assist the president with certain
     shareholder relations regarding publicly available information only. This
     consulting contract shall be for a period of one year, renewable by mutual
     consent.

2.   PAYMENT. AMSE will pay a fee to Brickell of $300,000 per year for the
     Services. This fee shall be payable by issuance of 150,000 restricted
     shares of AMSE common stock, which will then be registered using best
     efforts on an upcoming SB2. Upon termination of this Agreement, payments
     under this paragraph shall cease; provided, however, that Brickell shall be
     entitled to payments for periods or partial periods that occurred prior to
     the date of termination and for which Brickell has not yet been paid.

3.   EXPENSE REIMBURSEMENT. Brickell shall be entitled to reimbursement from
     AMSE for the following "out-of-pocket" expenses:

     -    travel expenses

     -    meals, excluding alcoholic beverages

4.   TERM/TERMINATION. This Agreement may be terminated by either party upon 30
     days written notice to the other party.

5.   RELATIONSHIP OF PARTIES. It is understood by the parties that Brickell is
     an independent contractor with respect to AMSE, and not an employee of
     AMSE. AMSE will not provide fringe benefits, including health insurance
     benefits, paid vacation, or any other employee benefit, for the benefit of
     Brickell.

6.   ASSIGNMENT. Brickell's obligation under this Agreement may not be assigned
     or transferred to any other person, firm, or corporation without the prior
     written consent of AMSE.

7.   NOTICES. All notices required or permitted under this Agreement shall be in
     writing and shall be deemed delivered when delivered in person or deposited
     in the United States mail, postage prepaid, addresses as follows:

     Company:
                  America's Senior Financial Services
                  Nelson Locke
                  President
                  15544 NW 77th Court
                  Miami Lakes, FL 33016

     Consultant:
                  Brickell Equity Group, Inc.
                  Consultant
                  1717 North Bayshore Drive, #3154
                  Miami, Florida

     Such address may be changed from time to time by either party by providing
     written notice to the other in the manner set forth above.

8.   ENTIRE AGREEMENT. This Agreement contains the entire agreement of the
     parties and there are no other promises or conditions in any other
     agreement whether oral or written. This Agreement supercedes any prior
     written or oral agreements between the parties.




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9.   AMENDMENT. This Agreement may be modified or amended if the amendment is
     made in writing and is signed by both parties.

10.  SEVERABILITY. If any provision of this Agreement shall be held to be
     invalid or unenforceable for any reason, the remaining provisions shall
     continue to be valid and enforceable. If a court finds that any provision
     of this Agreement is invalid or unenforceable, but that by limiting such
     provision it would become valid and enforceable, then such provision shall
     be deemed to be written, construed, and enforced as to limited.

11.  WAIVER OF CONTRACTUAL RIGHT. The failure of either party to enforce any
     provision of this Agreement shall not be construed as a waiver or
     limitation of that party's right to subsequently enforce and compel strict
     compliance with every provision of this Agreement.

12.  APPLICABLE LAW. This Agreement shall be governed by the laws of the State
     of Florida.


America's Senior Financial Services

By:
   -----------------------------------------------
America's Senior Financial Services
President


Brickell Equity Group, Inc.


By:
   -----------------------------------------------
Brickell Equity Group, Inc.
Consultant


This Summary is not an official part of your document. It contains highlights of
the important information that has been entered into the document.

                                     SUMMARY
                                     of the
                              CONSULTING AGREEMENT


DATE PREPARED
         January 1, 2000

COMPANY
         America's Senior Financial Services

CONSULTANT
         Brickell Equity Group, Inc.

EXPENSE REIMBUSEMENT section included.

ASSIGNMENT section included.

Amended: On March 17, 2000 the CEO adjusted the number of shares to be issued
and registered to reflect market conditions and insure that the consultant
received full dollar value for services that were covered by the agreement.