All castles in Heroes 3.

Where are the skill experts? Mages specialize in minor things... Only two of them have skills related to money!

I don't know, they all have pretty good starting skills. And as for specializations, it's a matter of personal preference... it depends on how you play... for my playstyle, it's perfect! You won't believe it - I even liked a girl with a specialization in the wall of fire spell!!! although I usually never use that spell...