1. In a knowledge based user educational guidance system accessing, storing, compiling and transferring mentor experience information directed to financial services, a user method for accessing said mentor experience information comprising: (i) providing a graphical user interface for introducing and navigating throughout said knowledge based system; (ii) providing a set of alternative learning paths which require interactive user participation in accordance with said mentor experience information; (iii) providing means for the user to interactively select a desired learning path based on user interest and demonstrated performance; (iv) providing contextual case based explication and application of said mentor knowledge and experience directed to financial services; (v) providing a set of interactive multi-tiered valid use simulations of application of said knowledge in accordance with said knowledge based system; (vi) providing interactive means for mentoring said user when, as, and if user learning guidance is required; and (vii) providing consequential feedback for the user based on user responses to said mentoring, in which said steps (ii), (iv), (v), (vi), or (vii) are accessed in a non-linear manner independent of whether or not said user has successfully completed a required task.