Grimwulf
Arcane
The problem is that everything is really fucking expensive, and you lose most of your stuff on death.
Make heirlooms. You can amass up to 16 heirlooms that your captains will pass along the lineage. Each heirloom is worth roughly 1000 echoes. New captain can sell some/all of those heirlooms to get a head-start, and then slowly but surely create new heirlooms for his own heirs.