This book shows parents how to use participating dividend paying whole life insurance as a family banking system to fund education, first homes, businesses, and retirement without surrendering wealth to banks. This is where financial freedom begins: with your children. About The Author Ramon Toroba Ramos, financial educator and Vice-President for Administration of Arkeo Financial Services, Inc., specializes in family-centered wealth strategies and the Infinite Banking Concept. With advanced training in Agricultural Economics, Public Administration, Rural Development, and Business Administration, he has dedicated his life to helping families build strong financial legacies. Ramon lives in Canada with his wife, Leila, and enjoys being a proud father and grandfather.