I fully support having the apprentice get those early.
The Familiar can even be a mundane animal. Cats have their own society and a new "awakened/bond" member will be welcomed into the ranks. See RoP:M p.70 The Magical Lineages of Cats
On the other spectrum, you could inherit a legacy familiar and have a Merinita Magi establish the temporary Bond. You could even explore non-hermetic bonds to add some exotic flavors.
As for the Talisman, starting early is harder but not impossible. The Magi can always spend a season and increase the vis capacity at a later time. Maybe the master spent a season helping the young magi to invest his 1st effect into the Talisman.
I can see apprentices having these especially when their master is seeking to form a reputation of some sort.
W