A system and method of providing personalized information to an individual over a network includes accessing a competency profile of the individual, such profile accessible to a server on a network and comparing the individual's competency profile with an education template and behavioral scenario accessible to the server. The template defines a current desired standard for the individual's competencies, in order to identify target training or learning areas. Information content relevant to the individual's target training or learning areas is provided over the network via user-selectable items of information content that may collectively have a plurality of information product types.