so characters of level 15 ... using this phps ? (link another if u prefer others use another)<br/><br/>http://www.dandwiki.com/wiki/SRD:System_Reference_Document (http://www.dandwiki.com/wiki/SRD:System_Reference_Document)<br/><br/>most also permit a "point buy option" like " role or just point buy with 32 (or whatever ) points .. using<br/><br/>http://www.hackslash.net/?p=73 (http://www.hackslash.net/?p=73)  (much prefer this method)<br/><br/>(after which you do your racial modifiers etc)<br/><br/>btw all characters get 1 feat every 3 levels starting at level 1 (fighters get more feats in addiction to those) .. so base feat accumulation for all is at level<br/>1,3,6,9,12,15 etc ... (some feats only some classes can take so check them)<br/>so characters have at least 6 feats.<br/><br/>characters get a stat increment of the players choice every 4 levels starting at level 4 so level 4,8,12 etc ... so after roling or point allocation, racial modifiers you should be able to add 3 points how you see fit.<br/><br/>and starting cash is ... ???<br/>