Therapists who work with trans people are a good starting point to getting what you need, because they may be able refer you to physician’s for HRT; and they also may know which electrologists in your area to go to that may even offer discounts to trans women, since most of us need so much work done. and they may also know about local trans support groups, which can be helpful. And therapists do charge; however, some therapists offer sessions on a sliding scale, which can make it more affordable, especially if you don’t have insurance to cover therapist visits.

tldr; A good therapist can be a networking treasure trove for trans people.