If you're creating a character higher than 1st level for a specific campaign (either a RPGA program or a home game), simply follow the rules in the Dungeon Master's Guide page 143, in addition to those in this guide. Remember to adjust the number of RPGA Rewards Cards in your stack appropriately.

Pay particular attention to Step 7 of the process in the Dungeon Master's Guide. You get one magic item of your level + 1, one of your level, and one of your level - 1. You also get gold equal to a magic item of your level - 1. Keep in mind that you still must adhere to the access rules for the campaign.