To RCR, you will need to have one character with XP
Then take a second character that is at level 1 with 1000 GP, and talk to the same "RCR Treant" to pick it all up!
Simple as that.
If you have concerns about gear or gold, you can ask someone to help you mule it across.
Also, anything in your storage or on a packhorse will carry across to a replacement character with an identical name.
[Edit] I had apparently misinterpreted previopus posts all called "100% RCR" (Of which there are, apparently a few), which commented on "everything transferring across". It is apparent due to the reactions of those posters below me that clearly only gold and XP transfers across.
I'm sure someone with more experience with the system can add more, but hopefully that gets you going!