All characters created in the inn in Valeia start with 200 gold to buy items. After you have created 6 characters and placed them in the roster to right of screen click on the top character and hit pool gold.
Once the first character has all the gold, remove all the other characters from the roster.
Now add those characters once again. They will all recieve 200 gold again. Click on the top character and hit pool again.
Do this as many times as needed to build up your gold. Buy all the top level weapons,spells and armor, before you go on your first quest.
NOTE: Do not remove the character that you are pooling the gold to or the game sets his balance to zero gold.