Document:

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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.<PAGE>   1
                                                                    EXHIBIT 10.3

              AGREEMENT FOR FINANCIAL PUBLIC SUPPORT/RETAIL SUPPORT
      (This contract has remained in force through out 2000 and they have
        functioned as our inbound and outbound public relations agency.)

This INVESTOR RELATION SERVICES Agreement (this "Agreement") is made effective
as of January 6, 2000, by and between "AMERICA'S SENIOR FINANCIAL SERVICES,
INC." ET AL, and THE CHARTERBRIDGE FINANCIAL GROUP, INC. In this Agreement, the
party who is contracting to receive the services shall be referred to as "AMSE"
or "CLIENT", and the party who will be providing the services shall be referred
to as "CFG". CFG and "AMSE shall cumulatively referred to as "the parties"
hereinafter.

1.   DESCRIPTION OF SERVICES. Beginning on January 6, 2000, CFG will provide the
     following services (collectively, the "Services") to enhance AMSE
     visibility and market value:

     A.   Produce (Concept, Research, Writing, Printing) a CLIENT Shareholder
          Communications/Investor Relations piece which shall be distributed
          Bi-monthly (Every other Month). This Investor Relations (hereinafter
          referred to as "IR") piece includes relevant milestone updates,
          contract news, earnings,/revenue growth updates, and financing news
          about CLIENT;

     B.   Distributes to selective CFG shareholders via e-mail CLIENT news and
          information;

     C.   Monitor OTC Internet Message Boards regarding CLIENT;

     D.   Add CLIENT information to Interactive CFG portfolio page website;

     E.   Participate in CLIENT due diligence presentation to market makers;

     F.   Schedule live monthly radio interview featuring CLIENT ( to be
          scheduled pursuant to availability);

     G.   Assist in drafting press releases as is appropriate and in concert
          with CLIENT'S milestones and newsworthy events;

     H.   Distribute press releases to CLIENT shareholders;

     I.   * Distribute CLIENT news and relevant information to market makers,
          financial media, selected internet stock pages/threads and OTC analyst
          community;

     J.   Present CLIENT'S to various media, periodical sources;

     K.   Provide general financial public relations support to CLIENT; and

     L.   **Feature Company in Monthly "Live-Chat" Internet Broadcasts.

         * CLIENT agrees to complete and return signed PR Newswire membership
         application for distribution of press releases or provide PR Newswire
         account number to CFG.

          ** Addition charge of $1,800 per live chat plus production and
          internet/broadcast fees.

2.   PAYMENT FOR "IR" PRODUCTION SERVICES. AMSE will pay annually for services
     described herein. The fees shall be payable as follows:

3.   A) Initial Payment Due Upon Execution of Agreement = 70,700 AMSE RESTRICTED
        SHARES WITH DEMAND REGISTRATION RIGHTS PURSUANT TO SECTION 4.

     B) Due on April 1, 2000 = 23,600 AMSE RESTRICTED SHARES WITH DEMAND
        REGISTRATION RIGHTS PURSUANT TO SECTION 4

     C) Due on July 1, 2000 = 23,600 AMSE RESTRICTED SHARES WITH DEMAND
        REGISTRATION RIGHTS PURSUANT TO SECTION 4

     D) Due on October 1, 2000 = 23,600 AAMSE RESTRICTED SHARES WITH DEMAND
        REGISTRATION RIGHTS PURSUANT TO SECTION 4.

4.   REGISTRATION OF SHARES. CFG shall have "DEMAND" registration rights for all
     shares issued in accordance with this agreement. Proof of registration
     application shall be delivered to CFG within 3 days of AMSE'S filing of
     same with the SEC.

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     A) CLIENT agrees to file a Registration Statement (SB-2 or similar) for the
        registration of the initial shares and all subsequent quarterly shares
        with the US Securities and Exchange Commission (SEC) within 30 calendar
        days of the execution of the Agreement.

     B) Failure to file Registration Statement within 30 days will result in the
        immediately issuance of an additional 20% of the original number of
        shares due CFG at execution.

     C) If the Registration Statement has not been declared effective within 90
        days after initial filing then CLIENT will issue an additional 20% of
        the total number of shares submitted for Registration on behalf of CFG.

     D) B and C are commutative and not individually exclusive.

5.   TERM/TERMINATION. This Agreement is a quarterly agreement for the term of
     one (1) year and shall terminate automatically on January 5, 2000. However,
     the CLIENT of CFG shall have the right to terminate the balance of this
     agreement at any time after the 75th day following the mutual execution of
     this Agreement by the parties, providing written notice is given to the
     other party at least fifteen (15) days prior to the expiration of the
     current quarter of the Agreement. Quarterly payment referred to above means
     payment earned for services rendered up to time of termination. Quarterly
     payments of cash and/or stock shall become immediately due and payable upon
     termination. Work in progress (WIP) compensation would only be due and
     payable upon successful completion and funding of the WIP.

6.   NON CIRCUMVENTION. In and for valuable consideration, CLIENT hereby agrees
     that CFG may introduce it (whether written, oral, data, or otherwise made
     by CFG) to Opportunities, including, without limitation, existing or
     potential investors, lenders, borrowers, trust, corporations,
     unincorporated business entities. CLIENT further acknowledges and agrees
     that the identity of the subject Opportunities, and all other information
     concerning the Opportunity (including without limitation, all mailing
     information, phone number, email addresses, and other contact information)
     introduced hereunder are the property of CFG, and shall be treated as
     confidential information. CLIENT shall not use such information except in
     the context of any joint venture with CFG, and never without CFG'S prior
     written approval. CLIENT further agrees that they, nor their company,
     employees, affiliates or assigns, shall not enter into, or any of its
     affiliates, or accept any compensation or advantage in relation to the
     opportunity except as directly through CFG, without the prior written
     approval of CFG. CFG is relying on CLIENT assent to these terms and their
     intent to be bound by the terms be evidence of their signature. Without
     CLIENT signed assent to these terms, CFG would not introduce any
     Opportunity or disclose any confidential information to Second Party as
     herein described.

7.   CONFIDENTIALITY. CFG will not at any time or in any manner, either directly
     or indirectly, use for the personal benefit of CFG, or divulge, disclose,
     or communicate in any manner any information that is proprietary to AMSE
     without AMSE'S express written consent. CFG will protect such information
     and treat is as strictly confidential. This provision shall continue to be
     effective after the termination of this Agreement. Upon termination of this
     Agreement, CFG will return to AMSE all records, notes, documentation and
     other items that were used, created, or controlled by CFG during the term
     of this Agreement.

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.

9.   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 count 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 so limited.

10.  COUNTERPARTS. If any provision of this Agreement shall be held to be valid
     of unenforceable for any reason, the remaining provisions shall continue to
     be valid and enforceable. If a court finds that any provision of the
     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 so limited.

11.  CHOICE OF LAW. This Agreement shall be governed by, and shall be construed
     in accordance with, the laws of the State of California.

12.  ARBITRATION. Any controversy or claim arising out of or relating to this
     Agreement, or the breach thereof, shall be settled by arbitration
     administered by the American Arbitration Association in accordance with its
     applicable rules, and judgment upon an award by the arbitrator may be
     entered in any court having jurisdiction thereof.

13.  ASSIGNABILITY. This agreement is not assignable without the express written
     advance consent of AMSE, at the sole discretion of its Board of Directors.

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Party contracting services:

AMERICA'S SENIOR FINANCIAL SERVICES, INC

By:                            NELSON A. LOCKE, not personally
   ---------------------------
     President/CEO

Date:
     --------------------------------

Address:
     --------------------------------

     --------------------------------

Services Provider:

THE CHARTERBRIDGE FINANCIAL GROUP, INC.

By:
     --------------------------------

Date:
     --------------------------------

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