Once you wander around a bit you'll start to get a feel for the layout. From the start of the fjords there is one channel (with an island at the start) leading north east to the harbour, and another south from there.
It might help to go to the harbour in human form. From the Grand Knight teleporter at the start of the fjords, clear down the mountain path, cross over to the far beach when you get to the bottom, clear that beach and then a short swim / flight keeping the mountain to your left will bring you to another path which leads past the depleted ore mine and eventually splits in two, one path up and to the left to High Hall and the other down and to the right for the harbour.
Along this path, just after it opens up you will meet a travelling merchant (only once). You will need at least 52k worth of diamonds, malachite ore and loot to sell if you want to get his malachite gem and 50k of gold; another 20 or 30k worth of stuff would help if he has any other items you wish to buy (save before the encounter if you want to try reloading a couple times). You can fly over that section of path if you want to wait until you have more loot.
Alternately, it might be less frustrating if you just start exploring, rather than trying to finish specific quests. You'll eventually get to where you need to go.
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