Complete respec unlocks at the hooded one after clearing mysterious shade quest around 4-5 hours in. Visit the npc in clearfell encampment, select refund passives then use gold to remove points working backward through skills.

Important stuff to keep in mind: gold costs scale up significantly as you get deeper into your build and further in the game progression, though recent changes brought late costs down by about half. Ascendancy points can be refunded too but watch out since they cost 5x more than regular passives. Base class and initial ascendancy pick are permanent so choose carefully at the start. No instant full resets available, gotta remove points one at a time which gets pretty expensive.

Tip: if youre planning major build changes, starting fresh with a new character is usually smarter than spending tons of gold on extensive respecs. Smart early planning helps avoid costly mid-game adjustments, especially for those deeper passive tree points that really drain your gold reserves when refunding.