Business Funding & Credit Improvement "Procrastination is not a Strategy"

About Us

Michael Smith


Michael Smith is President of AMS Consulting Group, LLC, a company he founded in order to help people improve their lives and the lives of their families. He and his wife Aimee live in San Diego, California.

Ric DaOro


Ric DaOro is Regional Director of AMS Consulting, LLC. Born and raised in Northern California, he currently lives in Sacramento with his dog, Bosley.



Best friends for over a decade, with over 45 years experience in real estate, finance, and mortgage lending between them, Michael and Ric are excited to have the opportunity to help people in all 50 states reach their business and personal goals.