You can decide the number of terms they have lived beforehand, along with the rough number of levels of skills they might have based on a rough formula of
Number of levels = number of terms +/- 1d6
Roll 2d6. The first die is the number of extra skill points. The second die is to determine if these extra levels are added or subtracted. 1,3,5: subtracted. 2,4,6: added.
So, for instance, a character who is 35, has lived through 4 terms, has 4 levels of skills. Roll 2d6; they are 3, 2. 3 more levels are added to the skills tally. The character can divide them up to get 7 level-1 skills, or a single level-3 skill and four level-1 skills, etc.
Cash and benefits are determined on an ad hoc basis, especially if they're Patrons. They can't really have Contacts or Allies - that's your characters' mission - but they can have Secrets, Retainers, Rivals and Enemies - again, for your characters to deal with.