I had that same problem when I first started out. It's in the readme file somewhere, can't remember exactly. I gave up at the time and used the add on characters. Eventually, I did finish up to where I could put my character in there.
The mage is pretty close to where you first enter the screen.
The trader/guide will be close to the buildings in town on the right hand side. It's been awhile, so you need to forgive me if I'm a little off. Don't forget your ward stone either. It comes in handy.
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